FAIR VALUE MEASUREMENTS (Details 3) (USD $)	Sep. 30, 2013	Dec. 31, 2012	Sep. 30, 2012	Dec. 31, 2011
Financial assets (Carrying Amount)
Cash and cash equivalents	$ 10,140,425	$ 20,297,115	$ 27,435,526	$ 8,919,568
Loans held for sale	0us-gaap_LoansReceivableHeldForSaleNet	6,041,000us-gaap_LoansReceivableHeldForSaleNet
Loans, net (including impaired)	125,677,217	122,447,273
FHLB stock	450,800us-gaap_FederalHomeLoanBankStock	450,800us-gaap_FederalHomeLoanBankStock
Accrued interest receivable	485,441us-gaap_InterestReceivable	592,043us-gaap_InterestReceivable
Financial liabilities (Carrying Amount)
Deposits	163,568,459us-gaap_Deposits	184,176,493us-gaap_Deposits
Federal funds purchased and repurchase agreements	8,972,374	10,190,059
Subordinated debentures	4,500,000us-gaap_SubordinatedDebt	4,500,000us-gaap_SubordinatedDebt
Notes payable	1,280,000us-gaap_NotesPayable	5,000,000us-gaap_NotesPayable
Accrued interest payable	475,000	1,156,000
Financial assets (Fair Value Amount)
Cash and cash equivalents	10,140,000	20,297,000
Loans held for sale	0	6,183,000
Loans, net (including impaired)	125,272,000	116,004,000
Accrued interest receivable	485,000	592,000
Financial liabilities (Fair Value Amount)
Deposits	157,617,000us-gaap_DepositsFairValueDisclosure	183,144,000us-gaap_DepositsFairValueDisclosure
Federal funds purchased and repurchase agreements	8,972,000	10,190,000
Subordinated debentures	1,125,000	1,125,000
Notes payable	1,280,000us-gaap_NotesPayableFairValueDisclosure	500,000us-gaap_NotesPayableFairValueDisclosure
Accrued interest payable	164,000us-gaap_LoansPayableFairValueDisclosure	149,000us-gaap_LoansPayableFairValueDisclosure
Fair Value, Inputs, Level 1 [Member]
Financial assets (Fair Value Amount)
Cash and cash equivalents	10,140,000	20,297,000
Loans held for sale	0	0
Loans, net (including impaired)	0	0
Accrued interest receivable	15,000	12,000
Financial liabilities (Fair Value Amount)
Deposits	80,770,000	88,959,000
Federal funds purchased and repurchase agreements	0	0
Subordinated debentures	0	0
Notes payable	0	0
Accrued interest payable	3,000	4,000
Fair Value, Inputs, Level 2 [Member]
Financial assets (Fair Value Amount)
Cash and cash equivalents	0	0
Loans held for sale	0	6,183,000
Loans, net (including impaired)	0	0
Accrued interest receivable	136,000	163,000
Financial liabilities (Fair Value Amount)
Deposits	76,847,000	94,185,000
Federal funds purchased and repurchase agreements	8,972,000	10,190,000
Subordinated debentures	0	0
Notes payable	0	0
Accrued interest payable	31,000	64,000
Fair Value, Inputs, Level 3 [Member]
Financial assets (Fair Value Amount)
Cash and cash equivalents	0	0
Loans held for sale	0	0
Loans, net (including impaired)	125,272,000	116,004,000
Accrued interest receivable	334,000	417,000
Financial liabilities (Fair Value Amount)
Deposits	0	0
Federal funds purchased and repurchase agreements	0	0
Subordinated debentures	1,125,000	1,125,000
Notes payable	1,280,000	500,000
Accrued interest payable	$ 130,000	$ 81,000

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Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.

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Fair value portion of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates.

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Fair value portion of deposit liabilities held by the entity, including, but not limited to, foreign and domestic, interest and noninterest bearing, demand deposits, saving deposits, negotiable orders of withdrawal (NOW) and time deposits.

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Fair value of subordinated debt obligations including, but not limited to, subordinated loan, subordinated bond, subordinated debenture or junior debt.

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Fair value portion of short term borrowing where a bank borrows, at the federal funds rate, from another bank and securities that an entity sells and agrees to repurchase at a specified date for a specified price.

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Amount after offset of short term borrowing where a bank borrows, at the federal funds rate, from another bank and securities that an entity sells and agrees to repurchase at a specified date for a specified price.

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Federal Home Loan Bank (FHLB) stock represents an equity interest in a FHLB. It does not have a readily determinable fair value because its ownership is restricted and it lacks a market (liquidity).

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Amount of interest payable on debt, including, but not limited to, trade payables.

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Carrying amount as of the balance sheet date of interest earned but not received. Also called accrued interest or accrued interest receivable.

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Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements and loans held for sale.

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Fair value portion of contractual obligation to pay money on demand or on fixed or determinable dates.

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Fair value portion of loan receivable, including, but not limited to, mortgage loans held for investment, finance receivables held for investment, policy loans on insurance contracts.

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Amount classified as loans attributable to disposal group held for sale or disposed of. Excludes loans and leases covered under loss sharing agreements and loans classified as debt securities.

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Fair value portion of interest continued to be held by a transferor after transferring financial assets to a third party.

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