LOANS (Details 8) (Loans Receivable, USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Average Recorded Investment
With no related allowance recorded	$ 5,053,601	$ 5,806,039	$ 4,396,625	$ 6,068,543
With an allowance recorded	2,223,370	3,236,753	2,791,400	3,952,373
Total	7,276,971	9,042,792	7,188,025	10,020,916
Interest Income Recognized
With no related allowance recorded	1,057	10,966	10,303	10,966
With an allowance recorded	15,321	2,318	23,232	2,548
Total	16,378	13,284	33,535	13,514
Cash Basis Interest Recognized
Real estate loans
Average Recorded Investment
With no related allowance recorded	4,260,952	5,650,473	3,931,814	5,911,336
With an allowance recorded	2,101,458	2,856,826	2,658,021	3,604,963
Interest Income Recognized
With no related allowance recorded	793	10,651	9,465	10,651
With an allowance recorded	12,856		16,042
Cash Basis Interest Recognized
Real estate loans: One-to-four family
Average Recorded Investment
With no related allowance recorded	508,560	1,146,644	742,155	1,040,242
With an allowance recorded	677,011	1,197,003	673,152	1,104,666
Interest Income Recognized
With no related allowance recorded	763	517	1,726	517
With an allowance recorded	5,945		5,945
Cash Basis Interest Recognized
Real estate loans: Multi-family
Average Recorded Investment
With no related allowance recorded	1,842,099	1,322,609	1,499,240	773,675
With an allowance recorded		1,106,998	414,444	1,930,451
Interest Income Recognized
With no related allowance recorded	30		30
With an allowance recorded
Cash Basis Interest Recognized
Real estate loans: Commercial
Average Recorded Investment
With no related allowance recorded	909,202	1,730,282	863,767	2,329,088
With an allowance recorded	1,318,324	552,825	1,285,412	569,846
Interest Income Recognized
With no related allowance recorded		10,134	7,709	10,134
With an allowance recorded	4,481		7,667
Cash Basis Interest Recognized
Real estate loans: Construction and land
Average Recorded Investment
With no related allowance recorded	1,001,091	1,450,938	826,652	1,768,331
With an allowance recorded	106,123		285,013
Interest Income Recognized
With no related allowance recorded
With an allowance recorded	2,430		2,430
Cash Basis Interest Recognized
Commercial business
Average Recorded Investment
With no related allowance recorded	677,727	28,911	338,864	15,096
With an allowance recorded	121,912	342,867	125,867	311,683
Interest Income Recognized
With no related allowance recorded
With an allowance recorded	2,465	2,318	7,190	2,548
Cash Basis Interest Recognized
Consumer
Average Recorded Investment
With no related allowance recorded	114,922	126,655	125,947	142,111
With an allowance recorded		37,060	7,512	35,727
Interest Income Recognized
With no related allowance recorded	264	315	838	315
With an allowance recorded
Cash Basis Interest Recognized
Consumer: Home equity
Average Recorded Investment
With no related allowance recorded	114,922	126,655	125,947	140,974
With an allowance recorded		37,060	7,512	32,347
Interest Income Recognized
With no related allowance recorded	264	315	838	315
With an allowance recorded
Cash Basis Interest Recognized
Consumer: Automobile and other
Average Recorded Investment
With no related allowance recorded				1,137
With an allowance recorded				3,380
Interest Income Recognized
With no related allowance recorded
With an allowance recorded
Cash Basis Interest Recognized