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DEPOSITS (Details) (USD $)
Dec. 31, 2012
Dec. 31, 2011
DEPOSITS [Abstract]    
Demand $ 52,433,000 $ 43,910,000
NOW 76,370,000 65,677,000
Money market 153,827,000 155,010,000
Passbook savings 106,268,000 105,617,000
Total demand, transaction and passbook deposits 388,898,000 370,214,000
Certificates of deposit 171,417,000 181,074,000
Deposits 560,315,000 551,288,000
Certificates of deposit with a minimum of $100,000 50,700,000 45,300,000
Scheduled maturities of certificates of deposit [Abstract]    
2013 114,386,000  
2014 32,593,000  
2015 12,868,000  
2016 7,964,000  
2017 3,441,000  
Thereafter 165,000  
Certificates of deposit 171,417,000 181,074,000
Related party deposits $ 5,000,000 $ 4,200,000