ALLOWANCE FOR LOAN LOSSES AND IMPAIRED LOANS (Details) (USD $)	3 Months Ended	6 Months Ended
Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Allowance for loan losses:
Beginning balance	$ 3,042,209	$ 3,302,297	$ 2,809,642	$ 3,382,977
Charge-offs	(316,416)	(35,620)	(348,891)	(158,474)
Recoveries	15,767	20,597	280,809	62,771
Provision for loan losses	0us-gaap_ProvisionForLoanAndLeaseLosses	0us-gaap_ProvisionForLoanAndLeaseLosses	0us-gaap_ProvisionForLoanAndLeaseLosses	0us-gaap_ProvisionForLoanAndLeaseLosses
Ending balance	2,741,560	3,287,274	2,741,560	3,287,274
Commercial Portfolio Segment [Member]
Allowance for loan losses:
Beginning balance	426,072	524,383	339,048	582,198
Charge-offs	(20,890)	0	(20,890)	(40,253)
Recoveries	5,150	16,616	258,950	56,200
Provision for loan losses	17,915	(101,006)	(148,861)	(158,152)
Ending balance	428,247	439,993	428,247	439,993
Commercial Real Estate Portfolio Segment [Member]
Allowance for loan losses:
Beginning balance	1,686,614	2,072,756	1,713,193	2,266,302
Charge-offs	(163,692)	(15,314)	(163,692)	(25,025)
Recoveries	2,557	0	2,557	0
Provision for loan losses	(57,097)	(136,855)	(83,676)	(320,690)
Ending balance	1,468,382	1,920,587	1,468,382	1,920,587
Consumer Portfolio Segment [Member]
Allowance for loan losses:
Beginning balance	396,967	330,028	424,824	331,459
Charge-offs	(48,450)	(20,306)	(48,724)	(38,597)
Recoveries	8,060	3,981	19,302	6,571
Provision for loan losses	33,423	105,808	(5,402)	120,078
Ending balance	390,000	419,511	390,000	419,511
Residential Portfolio Segment [Member]
Allowance for loan losses:
Beginning balance	198,683	169,549	227,767	203,018
Charge-offs	(83,384)	0	(115,585)	(54,599)
Recoveries	0	0	0	0
Provision for loan losses	114,480	(12,143)	117,597	8,987
Ending balance	229,779	157,406	229,779	157,406
Unallocated Financing Receivables [Member]
Allowance for loan losses:
Beginning balance	333,873	205,581	104,810	0
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision for loan losses	(108,721)	144,196	120,342	349,777
Ending balance	$ 225,152	$ 349,777	$ 225,152	$ 349,777

A valuation allowance for financing receivables that are expected to be uncollectible.

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

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Amount of direct write-downs of financing receivables charged against the allowance.

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Amount of expense related to estimated loss from loan and lease transactions.

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