INCOME TAXES (Details 3) - USD ($)	Dec. 31, 2015	Dec. 31, 2014
Deferred Tax assets:
State net operating loss carryforward	$ 45,987	$ 34,924
Allowance for loan losses	1,064,916	997,054
Other	23,749	20,997
Total gross deferred tax assets	1,134,652	1,052,975
Less valuation allowance	(45,987)	(34,924)
Deferred tax liabilities:
Prepaid expenses	(1,363)	(7,018)
Unrealized gain on securities available for sale	(582,926)	(730,029)
Deferred loan fees	(40,184)	(30,410)
Fixed assets, principally due to differences in depreciation	(24,611)	(14,810)
Other Bond Accretion	(65,735)	(48,030)
Total gross deferred tax liabilities	(714,819)	(830,297)
Net deferred tax asset	$ 373,846	$ 187,754