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LOANS AND ALLOWANCE FOR LOAN LOSSES (Details Narrative) - USD ($)
Dec. 31, 2015
Dec. 31, 2014
Receivables [Abstract]    
Restructured loans $ 458,268 $ 466,541
Deferred loan fees 118,188 89,441
Loans pledged as collateral to secure funding with the Federal Reserve Bank $ 102,100,000 $ 95,800,000