FAIR VALUES OF FINANCIAL INSTRUMENTS (Details 1) - USD ($)	Mar. 31, 2016	Dec. 31, 2015
Financial assets:
Cash and due from banks, Carrying Amount	$ 3,772,798	$ 5,959,864
Interest-bearing deposits with banks, Carrying Amount	12,145,000	13,865,000
Available-for-sale securities, Carrying Amount	29,481,319	28,630,551
Loans held for sale, Carrying Amount	17,597,841	11,380,627
Loans held for investment, net, Carrying amount	194,904,000	192,137,000
Stock in financial institutions, Carrying Amount	1,553,000	1,547,000
Cash and due from banks, Fair Value	3,773,000	5,960,000
Interest-bearing deposits with banks, Fair Value	12,145,000	13,865,000
Available-for-sale securities, Fair Value	29,481,000	28,631,000
Loans held for sale, Fair Value	17,598,000	11,381,000
Loans held for investment, net, Fair value	194,934	195,631,000
Stock in financial institutions, Fair Value	1,552,961	1,546,847
Financial liabilities:
Demand deposits and savings and NOW deposits, Carrying Amount	162,873,000	151,593,000
Time deposits, Carrying Amount	71,756,018	74,106,894
Federal Home Loan Bank Advances, Carrying Amount	11,000,000	13,000,000
Demand deposits and savings and NOW deposits, Fair Value	160,198	147,947,000
Time deposits, Fair Value	71,791	74,149,000
Federal Home Loan Bank Advances, Fair value	10,998	13,004,000
Quoted Prices in Active Markets for Identical Assets Level 1
Financial assets:
Cash and due from banks, Fair Value	3,773,000	5,960,000
Interest-bearing deposits with banks, Fair Value	$ 12,145,000	$ 13,865,000
Available-for-sale securities, Fair Value
Loans held for sale, Fair Value
Loans held for investment, net, Fair value
Stock in financial institutions, Fair Value
Financial liabilities:
Demand deposits and savings and NOW deposits, Fair Value	$ 160,198	$ 147,947,000
Time deposits, Fair Value
Federal Home Loan Bank Advances, Fair value
Significant Other Observable Inputs Level 2
Financial assets:
Cash and due from banks, Fair Value
Interest-bearing deposits with banks, Fair Value
Available-for-sale securities, Fair Value	$ 29,481,000	$ 28,631,000
Loans held for sale, Fair Value	$ 17,598,000	$ 11,381,000
Loans held for investment, net, Fair value
Stock in financial institutions, Fair Value	$ 1,553,000	$ 1,547,000
Financial liabilities:
Demand deposits and savings and NOW deposits, Fair Value
Time deposits, Fair Value	$ 71,791,000	$ 74,149,000
Federal Home Loan Bank Advances, Fair value	$ 10,998,000	$ 13,004,000
Significant Unobservable Inputs Level 3
Financial assets:
Cash and due from banks, Fair Value
Interest-bearing deposits with banks, Fair Value
Available-for-sale securities, Fair Value
Loans held for sale, Fair Value
Loans held for investment, net, Fair value	$ 194,934,000	$ 195,631,000
Stock in financial institutions, Fair Value
Financial liabilities:
Demand deposits and savings and NOW deposits, Fair Value
Time deposits, Fair Value
Federal Home Loan Bank Advances, Fair value

This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents Available-for-sale Securities which consist of all investments in certain debt and equity securities neither classified as trading or held-to-maturity securities. A debt security represents a creditor relationship with an enterprise. Debt securities include, among other items, US Treasury securities, US government securities, municipal securities, corporate bonds, convertible debt, commercial paper, and all securitized debt instruments. An equity security represents an ownership interest in an enterprise or the right to acquire or dispose of an ownership interest in an enterprise at fixed or determinable prices. Equity securities include, among other things, common stock, certain preferred stock, warrant rights, call options, and put options, but do not include convertible debt. An entity may opt to provide the reader with additional narrative text to better understand the nature of investments in debt and equity securities which are categorized as Available-for-sale.

No definition available.