OFF-BALANCE SHEET ACTIVITIES AND COMMITMENTS (Tables)

12 Months Ended

Dec. 31, 2014

OFF-BALANCE SHEET ACTIVITIES AND COMMITMENTS

Schedule of financial instruments with off-balance sheet risk

	2014		2013
Unused lines of credit	$	88,740,793	$	85,654,871
Commitments to make loans	6,177,898		3,481,833
Letters of credit	441,376		554,000