INCOME TAXES (Tables)

3 Months Ended

Mar. 31, 2014

Income Tax Disclosure [Abstract]

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

	March 31, 2014			March 31, 2013
Computed at the statutory rate (34%)	$	392,122		$	493,420
Increase (decrease) resulting from
Tax exempt interest		(133,698	)		(124,448	)
State income taxes, net		67,567			86,512
Increase in cash surrender value		(16,388	)		(16,244	)
Other, net		3,906			(453	)
Actual tax expense	$	313,509		$	438,787