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REGULATORY CAPITAL REQUIREMENTS (Details) (USD $)
12 Months Ended
Dec. 31, 2012
Dec. 31, 2012
Consolidated [Member]
Dec. 31, 2011
Consolidated [Member]
Dec. 31, 2012
Bank [Member]
Dec. 31, 2011
Bank [Member]
REGULATORY CAPITAL REQUIREMENTS [Abstract]          
Net profits period to accessing dividends declarable 2 years        
Declarable dividends without prior approval for next fiscal year $ 11,000,000        
Total Capital (to Risk Weighted Assets) [Abstract]          
Total Capital   119,894,319 111,192,989 115,391,331 106,812,516
Capital Required for Capital Adequacy   73,208,463 66,991,368 73,044,522 66,770,561
Capital Required to be Well Capitalized       91,305,653 83,463,201
Tier 1 Capital (to Risk Weighted Assets) [Abstract]          
Tier One Risk Based Capital   106,924,553 99,174,854 102,459,917 94,834,026
Tier One Risk Based Capital Required for Capital Adequacy   36,604,232 33,495,684 36,522,261 33,385,280
Tier One Risk Based Capital Required to be Well Capitalized       54,783,392 50,077,921
Tier 1 Capital (to Average Assets) [Abstract]          
Tier One Leverage Capital   106,924,553 99,174,854 102,459,917 94,834,026
Tier One Leverage Capital Required for Capital Adequacy   36,701,105 35,997,486 36,630,566 35,910,987
Tier One Leverage Capital Required to be Well Capitalized       $ 61,050,944 $ 59,851,645
Risk Based Ratios [Abstract]          
Capital to Risk Weighted Assets (in hundredths)   13.10% 13.28% 12.64% 12.80%
Capital Required for Capital Adequacy to Risk Weighted Assets (in hundredths)   8.00% 8.00% 8.00% 8.00%
Capital Required to be Well Capitalized to Risk Weighted Assets (in hundredths)       10.00% 10.00%
Tier One Risk Based Capital to Risk Weighted Assets (in hundredths)   11.68% 11.84% 11.22% 11.36%
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets (in hundredths)   4.00% 4.00% 4.00% 4.00%
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets (in hundredths)       6.00% 6.00%
Leverage Ratios [Abstract]          
Tier One Leverage Capital to Average Assets (in hundredths)   8.74% 8.27% 8.39% 7.92%
Tier One Leverage Capital Required for Capital Adequacy to Average Assets (in hundredths)   3.00% 3.00% 3.00% 3.00%
Tier One Leverage Capital Required to be Well Capitalized to Average Assets (in hundredths)       5.00% 5.00%