COMMITMENTS AND OFF-BALANCE SHEET RISK (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
Unused lines of credit and letters of credit [Member]
Fair Value Disclosure, Off-balance Sheet Risks, Amount, Liability	$ 25,064,561	$ 22,817,615
Commitments to make loans [Member]
Fair Value Disclosure, Off-balance Sheet Risks, Amount, Liability	$ 453,935	$ 253,000

The fair value of financial liabilities, which are not recognized in the financial statements (off-balance sheet) because they fail to meet some other criterion for recognition.

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 825

-SubTopic 10

-Section 50

-Paragraph 10

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13433-108611

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Namespace Prefix:	us-gaap_
Data Type:	xbrli:monetaryItemType
Balance Type:	credit
Period Type:	instant