LOANS (Details 4) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Changes in allowance for loan losses
Beginning Balance			$ 5,590,668
Provision	(250,000)	35,000	(250,000)	485,000
Ending Balance	5,790,519		5,790,519
Loans Receivable
Changes in allowance for loan losses
Beginning Balance	5,567,909	5,478,698	5,590,668	5,944,585
Charge-offs		(258,857)	(264,558)	(1,357,190)
Recoveries	472,610	283,762	714,409	466,208
Provision	(250,000)	35,000	(250,000)	485,000
Ending Balance	5,790,519	5,538,603	5,790,519	5,538,603
Loans Receivable | Real estate loans
Changes in allowance for loan losses
Beginning Balance	4,385,414	4,157,142	4,208,561	4,486,671
Charge-offs		(248,529)	(221,039)	(1,201,493)
Recoveries	465,270	261,509	696,287	435,985
Provision	(175,229)	166,244	(8,354)	615,203
Ending Balance	4,675,455	4,336,366	4,675,455	4,336,366
Loans Receivable | Real estate loans: One-to-four family
Changes in allowance for loan losses
Beginning Balance	1,225,852	1,011,386	1,424,663	847,285
Charge-offs		(199,030)	(219,163)	(502,265)
Recoveries	465,270	418	466,287	17,036
Provision	(593,575)	122,716	(574,240)	573,434
Ending Balance	1,097,547	935,490	1,097,547	935,490
Loans Receivable | Real estate loans: Multi-family
Changes in allowance for loan losses
Beginning Balance	438,431	559,998	661,358	958,303
Charge-offs				(482,478)
Recoveries
Provision	(31,035)	92,785	(253,962)	176,958
Ending Balance	407,396	652,783	407,396	652,783
Loans Receivable | Real estate loans: Commercial
Changes in allowance for loan losses
Beginning Balance	1,709,815	1,073,664	1,454,455	1,268,081
Charge-offs		(49,499)	(1,876)	(216,750)
Recoveries		204,091		204,681
Provision	133,384	210,213	390,620	182,457
Ending Balance	1,843,199	1,438,469	1,843,199	1,438,469
Loans Receivable | Real estate loans: Construction and land
Changes in allowance for loan losses
Beginning Balance	1,011,316	1,512,094	668,085	1,413,002
Charge-offs
Recoveries		57,000	230,000	214,268
Provision	315,997	(259,470)	429,228	(317,646)
Ending Balance	1,327,313	1,309,624	1,327,313	1,309,624
Loans Receivable | Commercial business
Changes in allowance for loan losses
Beginning Balance	997,689	1,195,622	1,219,080	1,296,114
Charge-offs		(10,328)		(135,114)
Recoveries	(600)	15,997	8,116	23,967
Provision	(64,303)	(116,554)	(294,410)	(100,230)
Ending Balance	932,786	1,084,737	932,786	1,084,737
Loans Receivable | Consumer
Changes in allowance for loan losses
Beginning Balance	184,806	125,934	163,027	161,800
Charge-offs			(43,519)	(20,583)
Recoveries	7,940	6,256	10,006	6,256
Provision	(10,468)	(14,690)	52,764	(29,973)
Ending Balance	182,278	117,500	182,278	117,500
Loans Receivable | Consumer: Home equity
Changes in allowance for loan losses
Beginning Balance	172,037	120,776	116,478	151,625
Charge-offs			(43,519)	(13,009)
Recoveries	7,465	233	9,381	233
Provision	(5,168)	(7,720)	91,994	(25,560)
Ending Balance	174,334	113,289	174,334	113,289
Loans Receivable | Consumer: Automobile and other
Changes in allowance for loan losses
Beginning Balance	12,769	5,158	46,549	10,175
Charge-offs				(7,574)
Recoveries	475	6,023	625	6,023
Provision	(5,300)	(6,970)	(39,230)	(4,413)
Ending Balance	$ 7,944	$ 4,211	$ 7,944	$ 4,211