INCOME TAXES (Details 3) (USD $)	Dec. 31, 2014	Dec. 31, 2013
Deferred Tax assets:
State Net Operating Loss Carryforward	$ 34,924	$ 35,673
Allowance for loan losses	997,054	1,050,623
Other	20,997us-gaap_DeferredTaxAssetsOther	66,588us-gaap_DeferredTaxAssetsOther
Total gross deferred tax assets	1,052,975us-gaap_DeferredTaxAssetsGross	1,152,884us-gaap_DeferredTaxAssetsGross
Less valuation allowance	(34,924)	(35,673)
Net deferred tax assets	1,018,051us-gaap_DeferredTaxAssetsNet	1,117,211us-gaap_DeferredTaxAssetsNet
Deferred tax liabilities:
Prepaid expenses	(7,018)	(15,780)
Unrealized gain on securities available for sale	(730,029)	(561,402)
Deferred loan fees	(30,410)	(22,538)
Fixed assets, principally due to differences in depreciation	(14,810)	(36,726)
Other Bond Accretion	(48,030)	(30,324)
Total gross deferred tax liabilities	(830,297)	(666,770)
Net deferred tax liability	$ 187,754us-gaap_DeferredTaxLiabilities	$ 450,441us-gaap_DeferredTaxLiabilities

Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences and carryforwards.

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