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MORTGAGE SERVICING RIGHTS (Details) - USD ($)
12 Months Ended
Dec. 31, 2015
Dec. 31, 2014
Servicing Asset at Fair Value, Amount [Roll Forward]    
Balance, beginning $ 961,823  
Balance, ending 1,109,720 $ 961,823
Mortgage servicing rights    
Servicing Asset at Fair Value, Amount [Roll Forward]    
Balance, beginning 961,823 918,247
Mortgage servicing rights capitalized 230,826 150,546
Mortgage servicing rights amortized (144,607) $ (106,970)
Decrease in provision for loss in fair value 61,678
Balance, ending 1,109,720 $ 961,823
Valuation allowances:    
Balance, beginning 178,896 $ 178,896
Decrease (61,678)
Balance, ending $ 117,218 $ 178,896