5. LOANS (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
Loans held for investment	$ 478,453,008	$ 465,819,073
Construction/Land Development [Member]
Loans held for investment	68,512,341	71,251,440
Farmland [Member]
Loans held for investment	13,197,398	12,258,884
Real Estate [Member]
Loans held for investment	154,628,068	144,066,274
Multi-Family [Member]
Loans held for investment	11,797,010	9,356,823
Commercial Real Estate [Member]
Loans held for investment	113,415,234	123,819,228
Home Equity - Closed End [Member]
Loans held for investment	10,228,264	10,983,902
Home Equity - Open End [Member]
Loans held for investment	47,357,787	49,761,711
Commercial and Industrial Non-Real Estate [Member]
Loans held for investment	25,903,011	25,109,925
Consumer [Member]
Loans held for investment	10,162,457	12,697,877
Credit Cards [Member]
Loans held for investment	2,679,718	2,787,915
Dealer Finance [Member]
Loans held for investment	$ 20,571,720	$ 3,725,094