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COMMITMENTS AND CONTINGENCIES (Details Narrative) - USD ($)
Dec. 31, 2018
Dec. 31, 2017
Standby letters of credit [Member]    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Undiscounted future payments related to standby letters of credit $ 1,169,644 $ 1,219,644
Commitments to extend credit [Member]    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Commitments to extend credit $ 96,115,504 $ 92,869,285