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COMMITMENTS AND CONTINGENCIES (Details Narrative) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Rental Expense	$ 572,395us-gaap_LeaseAndRentalExpense	$ 555,646us-gaap_LeaseAndRentalExpense	$ 531,094us-gaap_LeaseAndRentalExpense
Commitments
Loans Held-for-sale [Member]
Commitments	7,300,000
Standby letters of credit [Member]
Commitments	577,943	557,593
Commitments to extend credit [Member]
Commitments	$ 62,597,548	$ 64,830,461

Represents the caption on the face of the balance sheet to indicate that the entity has entered into (1) purchase or supply arrangements that will require expending a portion of its resources to meet the terms thereof, and (2) is exposed to potential losses or, less frequently, gains, arising from (a) possible claims against a company's resources due to future performance under contract terms, and (b) possible losses or likely gains from uncertainties that will ultimately be resolved when one or more future events that are deemed likely to occur do occur or fail to occur.

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