DEPOSITS (Details) (USD $)	12 Months Ended
Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Deposits, by Type [Abstract]
Non-interest-bearing demand deposits	$ 351,222,057	$ 300,610,463
Interest-bearing demand deposits	114,679,334	90,729,870
Insured money market accounts	361,094,929	243,114,771
Savings Deposits	191,881,855	173,588,856
Time Deposits	244,491,486	236,690,054
Total deposits	1,263,369,661	1,044,734,014
Maturities of Time Deposits [Abstract]
2013	178,903,280
2014	45,616,228
2015	7,498,340
2016	6,494,486
2017	4,245,277
2018 and thereafter	1,733,875
Time Deposits	244,491,486	236,690,054
Maturities of time deposits in denominations of $100,000 or more [Abstract]
3 months or less	24,370,627
Over 3 through 6 months	17,683,778
Over 6 through 12 months	24,521,432
Over 12 months	22,236,294
Time Deposits, $100,000 or More	88,812,131	87,705,511
Interest expense on time deposits	$ 777,614	$ 1,202,345	$ 1,799,472

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The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.

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Amount of deposits in accounts that offer many of the same services as checking accounts although transactions may be somewhat more limited, share some of the characteristics of a money market fund and are insured by the Federal government, also known as money market accounts.

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Amount of deposits in interest-bearing transaction accounts at banks or savings and loans, that are restricted in regard to ownership and can usually only be held by individuals, nonprofit entities and governments. Negotiable order of withdrawal accounts differ from money market demand accounts as they typically have higher reserve requirements and no limit on the number of checks that can be written.

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Amount of interest bearing deposits with no stated maturity, which may include passbook and statement savings accounts and money-market deposit accounts (MMDAs).

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The aggregate interest expense incurred on time deposits, including certificates of deposits, in domestic offices.

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The aggregate amount of all domestic and foreign noninterest-bearing deposits liabilities held by the entity.

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Amount of time deposits maturing after the fifth fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits, individual retirement accounts and open accounts.

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