LOANS (Details 6) (USD $)	12 Months Ended
Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Activity in the allowance for loan losses by portfolio segment
Beginning Balance	$ 3,292,277	$ 3,432,844
Charge-offs	(113,030)	(391,401)	(172,288)
Recoveries	73,101	43,334	148,248
Provisions	82,500	207,500	350,000
Ending Balance	3,334,848	3,292,277	3,432,844
Individually evaluated for impairment	1,283,887	2,177,626
Collectively evaluated for impairment	2,050,961	1,114,651
Individually evaluated for impairment	7,051,127	7,136,907
Collectively evaluated for impairment	227,066,665	211,183,397
Commercial [Member]
Activity in the allowance for loan losses by portfolio segment
Beginning Balance	1,448,804	1,576,002
Charge-offs	(83,042)	(245,599)
Recoveries		23,004
Provisions	(154,632)	95,397
Ending Balance	1,211,130	1,448,804
Individually evaluated for impairment	784,561	1,175,329
Collectively evaluated for impairment	426,569	273,145
Individually evaluated for impairment	1,792,425	1,646,409
Collectively evaluated for impairment	48,107,152	51,657,160
Commercial Real Estate [Member]
Activity in the allowance for loan losses by portfolio segment
Beginning Balance	1,064,363	767,170
Charge-offs	(15,834)
Recoveries	46,000	15,348
Provisions	17,858	281,845
Ending Balance	1,112,387	1,064,363
Individually evaluated for impairment	209,189	535,766
Collectively evaluated for impairment	903,198	528,597
Individually evaluated for impairment	4,195,852	4,405,146
Collectively evaluated for impairment	113,055,532	101,851,977
Consumer Real Estate [Member]
Activity in the allowance for loan losses by portfolio segment
Beginning Balance	694,950	977,859
Charge-offs
Recoveries
Provisions	211,305	(282,909)
Ending Balance	906,255	694,950
Individually evaluated for impairment	250,590	423,705
Collectively evaluated for impairment	655,665	271,245
Individually evaluated for impairment	1,023,303	1,042,526
Collectively evaluated for impairment	61,031,680	53,626,833
Consumer Other [Member]
Activity in the allowance for loan losses by portfolio segment
Beginning Balance	84,160	111,813
Charge-offs	(14,154)	(145,802)
Recoveries	27,101	4,982
Provisions	7,969	113,167
Ending Balance	105,076	84,160
Individually evaluated for impairment	39,547	42,826
Collectively evaluated for impairment	65,529	41,344
Individually evaluated for impairment	39,547	42,826
Collectively evaluated for impairment	$ 4,872,301	$ 4,047,427

A valuation allowance for financing receivables that are expected to be uncollectible.

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

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-Name Accounting Standards Codification

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