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LOANS (Details 9) (Loans Receivable, USD $)
3 Months Ended 9 Months Ended
Sep. 30, 2014
Contract
Sep. 30, 2013
Contract
Sep. 30, 2014
Contract
Sep. 30, 2013
Contract
Dec. 31, 2013
Troubled Debt Restructurings:          
Number of loan terms modified in troubled debt restructurings 3 6 3 11  
Amount of allocations of specific reserves $ 354,958   $ 354,958   $ 354,822
Amount of loans to customers whose loan terms have been modified 6,152,048   6,152,048   6,215,918
Commitments to lend additional amounts         0
Number of Contracts 3 6 3 11  
Pre-Modification Outstanding Recorded Investment 1,410,854 1,019,972 1,410,854 1,243,886  
Post-Modification Outstanding Recorded Investment   1,018,238   1,237,444  
Net increase in subsequently defaulted allowance for loan losses     (2,340)    
Charge offs     5,327    
Net increase (decrease) in the allowance for loan losses 43,720   76,797    
Real estate loans
         
Troubled Debt Restructurings:          
Number of Contracts 3 4 3 8  
Pre-Modification Outstanding Recorded Investment 1,410,854 859,082 1,410,854 944,994  
Post-Modification Outstanding Recorded Investment 1,405,371 858,404 1,405,371 943,681  
Number of Contracts 4 1 4 1  
Troubled debt restructurings which has default payment 95,804 53,152 95,804 53,152  
Real estate loans: One-to-four family
         
Troubled Debt Restructurings:          
Number of Contracts 2 1 2 5  
Pre-Modification Outstanding Recorded Investment 517,725 49,678 517,725 135,590  
Post-Modification Outstanding Recorded Investment 512,242 49,000 512,242 134,277  
Number of Contracts 4 1 4 1  
Troubled debt restructurings which has default payment 95,804 53,152 95,804 53,152  
Real estate loans: Commercial
         
Troubled Debt Restructurings:          
Number of Contracts   3   3  
Pre-Modification Outstanding Recorded Investment   809,404   809,404  
Post-Modification Outstanding Recorded Investment   809,404   809,404  
Real estate loans: Construction and land
         
Troubled Debt Restructurings:          
Number of Contracts 1   1    
Pre-Modification Outstanding Recorded Investment 893,129   893,129    
Post-Modification Outstanding Recorded Investment 893,129   893,129    
Commercial business
         
Troubled Debt Restructurings:          
Number of Contracts   1   2  
Pre-Modification Outstanding Recorded Investment   142,112   280,114  
Post-Modification Outstanding Recorded Investment   142,112   276,041  
Consumer: Home equity
         
Troubled Debt Restructurings:          
Number of Contracts   1   1  
Pre-Modification Outstanding Recorded Investment   18,778   18,778  
Post-Modification Outstanding Recorded Investment   $ 17,722   $ 17,722