INCOME TAXES (Tables)

6 Months Ended

Jun. 30, 2013

Income Tax Disclosure [Abstract]

Schedule of reconciliation of income tax expense at statutory rate to actual income tax expense

	June 30, 2013			June 30, 2012
Computed at the statutory rate (34%)	$	843,829		$	825,321
Increase (decrease) resulting from
Tax exempt interest		(249,632	)		(268,978	)
State income taxes, net		146,828			141,573
Increase in cash surrender value		(32,555	)		(32,054	)
Other, net		856			(261	)
Actual tax expense	$	709,326		$	665,601