DEPOSITS (Details) (USD $)	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Deposits, by Type [Abstract]
Non-interest-bearing demand deposits	$ 300,610,463	$ 258,835,961
Interest-bearing demand deposits	90,729,870	74,348,490
Insured money market accounts	243,114,771	178,030,028
Savings Deposits	173,588,856	210,287,906
Time Deposits	236,690,054	276,990,454
Total deposits	1,044,734,014	998,492,839
Maturities of Time Deposits [Abstract]
2013	157,500,406
2014	54,060,209
2015	13,873,147
2016	4,384,507
2017	6,767,361
2018 and thereafter	104,424
Time Deposits	236,690,054	276,990,454
Maturities of time deposits in denominations of $100,000 or more [Abstract]
3 months or less	21,549,118
Over 3 through 6 months	16,383,196
Over 6 through 12 months	19,036,827
Over 12 months	30,736,370
Time Deposits, $100,000 or More	87,705,511	105,466,950
Interest expense on time deposits	$ 1,202,345	$ 1,799,472	$ 1,698,576