INCOME TAXES (Tables)

9 Months Ended

Sep. 30, 2013

Income Tax Disclosure [Abstract]

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

	September 30, 2013			September 30, 2012
Computed at the statutory rate (34%)	$	1,203,347		$	1,317,546
Increase (decrease) resulting from
Tax exempt interest		(381,054	)		(409,508	)
State income taxes, net		208,141			227,151
Increase in cash surrender value		(49,753	)		(50,999	)
Other, net		384			(719	)
Actual tax expense	$	981,065		$	1,083,471