FEDERAL HOME LOAN BANK ADVANCES (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
FEDERAL HOME LOAN BANK ADVANCES
Maturities range from August 2015 through March 2030, fixed rates from 1.00% to 7.23%, averaging 1.87% in 2014 and 2.22% in 2013	$ 83,784,615	$ 57,846,833
One advance which matures in January 2015 and has a fixed rate of 0.14%	10,000,000
Fixed rate, low end of range (as a percent)	1.00%
Fixed rate, high end of range (as a percent)	7.23%
Average fixed rate (as a percent)	1.87%	2.22%
Fixed rate (as a percent)	0.14%
Scheduled principal payments due on advances
2015	20,955,803
2016	8,566,968
2017	12,700,223
2018	15,451,953
2019	10,329,413
Thereafter	25,780,255
Long-term Federal Home Loan Bank Advances, Total	$ 93,784,615

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The current portion of Federal Home Loan Bank borrowings initially due beyond one year or beyond the normal operating cycle if longer.

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States the interest rate applicable to Federal Home Loan Bank advances outstanding as of the Balance Sheet date.

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States the lowest interest rate applicable to any of the advances from the Federal Home Loan Bank as of the Balance Sheet date.

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States the highest interest rate applicable to any of the advances from the Federal Home Loan Bank as of the Balance Sheet date.

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States the weighted average interest rate applicable to the advances from the Federal Home Loan Bank outstanding as of the Balance Sheet date.

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Including both current and noncurrent portions, Federal Home Loan Bank borrowings initially due beyond one year or beyond the normal operating cycle if longer.

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Amount of advances from Federal Home Loan Bank (FHLBank) maturing after the fifth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.

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Amount of advances from Federal Home Loan Bank (FHLBank) maturing in the fifth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.

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Amount of advances from Federal Home Loan Bank (FHLBank) maturing in the second fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.

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Amount of advances from Federal Home Loan Bank (FHLBank) maturing in the fourth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.

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Amount of advances from Federal Home Loan Bank (FHLBank) maturing in the third fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.

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Amount of advances from Federal Home Loan Bank (FHLBank) maturing in the next fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.

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The noncurrent portion of Federal Home Loan Bank borrowings initially due beyond one year or beyond the normal operating cycle if longer.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

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