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COMMITMENTS AND CONTINGENCIES (Details Narrative) - USD ($)
Dec. 31, 2020
Dec. 31, 2019
Standby Letters of Credit [Member]    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Undiscounted future payments related to standby letters of credit $ 845,811 $ 1,042,966
Commitments to Extend Credit [Member]    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Commitments to extend credit $ 122,755,761 $ 105,481,545