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LOANS AND ALLOWANCE FOR LOAN LOSSES, TROUBLED DEBT RESTRUCTURING (Details) (USD $)
3 Months Ended 9 Months Ended 12 Months Ended
Sep. 30, 2013
Loan
Sep. 30, 2012
Loan
Sep. 30, 2013
Loan
Sep. 30, 2012
Loan
Dec. 31, 2012
Trouble debt restructurings [Abstract]          
Recorded investment in troubled debt restructurings $ 7,245,570   $ 7,245,570   $ 5,728,610
Troubled debt restructuring reserve     241,973   0
Troubled debt restructuring loan amount modified 6,152,581   6,152,581   5,363,712
Loans committed to customers with loans classified as TDR 100,000   100,000   130,000
Troubled debt restructurings increased allowance for loan losses   40,445 96,910    
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 1 8 2  
Pre-Modification Outstanding Recorded Investment 30,638 74,838 1,108,387 133,661  
Post-Modification Outstanding Recorded Investment 30,638 74,838 1,108,387 133,661  
Other [Member]
         
Trouble debt restructurings [Abstract]          
Troubled debt restructuring loan amount modified 1,092,989   1,092,989   364,898
Commercial mortgages [Member]
         
Loans by class modified as troubled debt restructurings [Abstract]          
Number of Loans     1    
Pre-Modification Outstanding Recorded Investment     133,000    
Post-Modification Outstanding Recorded Investment     133,000    
Commercial and agricultural [Member] | Commercial and industrial [Member]
         
Loans by class modified as troubled debt restructurings [Abstract]          
Number of Loans   1 4 1  
Pre-Modification Outstanding Recorded Investment   74,838 841,162 74,838  
Post-Modification Outstanding Recorded Investment   74,838 841,162 74,838  
Consumer Loans [Member] | Home Equity Lines & Loans [Member]
         
Loans by class modified as troubled debt restructurings [Abstract]          
Number of Loans 1   3 1  
Pre-Modification Outstanding Recorded Investment 30,638   134,225 58,823  
Post-Modification Outstanding Recorded Investment $ 30,638   $ 134,225 $ 58,823