FORECLOSED ASSETS (Details) (Foreclosed Assets [Member], USD $)	9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
Foreclosed Assets [Member]
Beginning of year	$ 2,806,781	$ 3,276,838
Additions	614,485	1,243,347
Reductions from sales	(593,498)	(1,249,206)
Direct write-downs	(141,531)	(277,448)
End of period	2,686,237	2,993,531
Expenses related to foreclosed assets include:
Operating expenses, net of rental income	$ 189,268	$ 199,278