COMMERCIAL LOANS (Tables)

6 Months Ended

Jun. 30, 2013

Commercial Loans [Abstract]

Schedule of Debt [Table Text Block]

Credit risk profile based on loan activity as of June 30, 2013 and 2012:

Performing loans	Developers- Residential		Developers- Commercial		Developers Mixed Used		Total outstanding loans
June 30, 2013	$	12,043,000	$	1,510,000	$	630,000	$	14,183,000
June 30, 2012	$	9,822,366	$	23,344	$	1,220,000	$	11,065,710