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LOANS AND ALLOWANCE FOR LOAN LOSSES, TROUBLED DEBT RESTRUCTURING (Details) (USD $)
3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2013
Loan
Jun. 30, 2012
Jun. 30, 2013
Loan
Jun. 30, 2012
Loan
Dec. 31, 2012
Trouble debt restructurings [Abstract]          
Recorded investment in troubled debt restructurings $ 7,566,209   $ 7,566,209   $ 5,728,610
Troubled debt restructuring reserve     242,692   0
Troubled debt restructuring loan amount modified 6,245,177   6,245,177   5,363,712
Loans committed to customers with loans classified as TDR 56,000   56,000   130,000
Troubled debt restructurings increased allowance for loan losses   112,040 97,629    
Troubled debt restructuring, charge offs 0        
Period after troubled debt restructuring modification where no default payments made     12 months    
Number of days past due after which loan considered as payment default     90 days    
Loans by class modified as troubled debt restructurings [Abstract]          
Number of Loans 1   7 1  
Pre-Modification Outstanding Recorded Investment 542,869   1,077,749 58,823  
Post-Modification Outstanding Recorded Investment 542,869   1,077,749 58,823  
Other [Member]
         
Trouble debt restructurings [Abstract]          
Troubled debt restructuring loan amount modified 1,321,032   1,321,032   364,898
Commercial mortgages [Member] | Other [Member]
         
Loans by class modified as troubled debt restructurings [Abstract]          
Number of Loans 1   1    
Pre-Modification Outstanding Recorded Investment 133,000   133,000    
Post-Modification Outstanding Recorded Investment 133,000   133,000    
Commercial and agricultural [Member] | Commercial and industrial [Member]
         
Loans by class modified as troubled debt restructurings [Abstract]          
Number of Loans 2   4    
Pre-Modification Outstanding Recorded Investment 409,869   841,162    
Post-Modification Outstanding Recorded Investment 409,869   841,162    
Consumer Loans [Member] | Home Equity Lines & Loans [Member]
         
Loans by class modified as troubled debt restructurings [Abstract]          
Number of Loans     2 1  
Pre-Modification Outstanding Recorded Investment     103,587 58,823  
Post-Modification Outstanding Recorded Investment     $ 103,587 $ 58,823