DISCLOSURES REGARDING FAIR VALUE OF FINANCIAL INSTRUMENTS (Details 3) (USD $)	Dec. 31, 2014	Dec. 31, 2013
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Financial Instruments-Assets
Loans
Financial Instruments-Liabilities
Deposits
Significant Other Observable Inputs (Level 2) [Member]
Financial Instruments-Assets
Loans
Financial Instruments-Liabilities
Deposits	322,435,308	305,269,155
Significant Unobservable Inputs (Level 3) [Member]
Financial Instruments-Assets
Loans	234,204,303	218,406,792
Financial Instruments-Liabilities
Deposits
Carrying Amount [Member]
Financial Instruments-Assets
Loans	234,117,792	218,320,304
Financial Instruments-Liabilities
Deposits	322,419,027	305,242,655
Fair Value [Member]
Financial Instruments-Assets
Loans	234,204,303	218,406,792
Financial Instruments-Liabilities
Deposits	$ 322,435,308	$ 305,269,155