COMMITMENTS AND CONTINGENCIES (Details Narrative) - USD ($)	Dec. 31, 2021	Dec. 31, 2020
Commitments to Extend Credit [Member]
Other Commitments [Line Items]
Commitments to extend credit	$ 117,450,893	$ 122,755,761
Standby Letters of Credit [Member]
Other Commitments [Line Items]
Undiscounted future payments related to standby letters of credit	$ 648,717	$ 845,811