LOANS (Details Narrative) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Receivables [Abstract]
Deferred fees	$ 89,441	$ 66,289
Impaired loans	7,051,127	7,136,907
Loans receivable on non-accrual	882,413	1,575,440
Troubled debt restructurings	466,541	1,196,341
Loan previously on non-accrual placed on accrual status	48,959	61,959
Loan placed on non-accrual status	204,414
Loan removed from troubled debt restructuring	494,933	596,125
Troubled debt restructurings subsequently repaid	$ 106,194