NOTES PAYABLE (Details) (USD $)			12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2013 Notes Payable [Member]
Note Payable [Abstract]
Long-term Federal Home Loan Bank advances	$ 26,703,000	$ 27,128,000
Notes payable First National Bankers Bank	1,000,000	2,000,000	1,000,000
Notes payable	27,703,000	29,128,000
FHLB advances [Abstract]
2014	426,000
2015	426,000
2016	427,000
2017	15,403,000
2019	10,021,000
Long-term Federal Home Loan Bank advances	26,703,000	27,128,000
Weighted Average Rate [Abstract]
2014	5.057%
2015	5.057%
2016	5.057%
2017	3.412%
2019	1.985%
Notes payable, annual payments			250,000
Notes payable, description of variable rate basis			New York Prime
Maturities of notes payable [Abstract]
2014			250,000
2015			250,000
2016			250,000
2017			250,000
Notes payable	$ 1,000,000	$ 2,000,000	$ 1,000,000