DEPOSITS (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
Non-interest-bearing DDA	$ 31,700,054	$ 40,271,190
Interest-bearing DDA	25,738,324	22,865,704
Money market	21,524,818us-gaap_DepositsMoneyMarketDeposits	18,602,302us-gaap_DepositsMoneyMarketDeposits
Savings	8,157,419us-gaap_DepositsSavingsDeposits	9,018,387us-gaap_DepositsSavingsDeposits
Time, under $100,000	66,976,766us-gaap_TimeDepositsLessThan100000	83,416,175us-gaap_TimeDepositsLessThan100000
Time, over $100,000	9,471,078us-gaap_TimeDeposits100000OrMore	10,002,735us-gaap_TimeDeposits100000OrMore
Total Deposits	$ 163,568,459us-gaap_Deposits	$ 184,176,493us-gaap_Deposits

The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 210

-Section S99

-Paragraph 1

-Subparagraph (SX 210.9-03.12)

-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 03

-Paragraph 12

-Article 9

+ Details

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- Definition

Amount of deposits in accounts that offer many of the same services as checking accounts although transactions may be somewhat more limited, share some of the characteristics of a money market fund and are insured by the Federal government, also known as money market accounts.

+ References

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- Definition

Amount of interest bearing deposits with no stated maturity, which may include passbook and statement savings accounts and money-market deposit accounts (MMDAs).

+ References

+ Details

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- Definition

Amount of money in interest-bearing domestic accounts that entitle the depositor to withdraw funds at any time without prior notice, also known as demand deposits.

+ References

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- Definition

Amount of money in noninterest-bearing domestic accounts that entitle the depositor to withdraw funds at any time without prior notice, also known as demand deposits.

+ References

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- Definition

The aggregate amount of domestic and foreign time deposit liabilities (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $100,000 or more.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 405

-Section 50

-Paragraph 1

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=6479006&loc=d3e64164-112818

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Industry Guide

-Number 3

-Section V

-Paragraph A

-Subparagraph 4

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- Definition

The aggregate amount of domestic or foreign time deposits (including certificates of deposits, individual retirement accounts and open accounts) that total to less than $100,000.

+ References

No definition available.

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