INVESTMENTS - Amortized Cost and Approximate Fair Value of Available-for-Sale Securities (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale securities, Amortized Cost	$ 110,040,977	$ 111,086,058
Available-for-sale securities, Gross Unrealized Gains	1,564,652	1,387,292
Available-for-sale securities, Gross Unrealized Losses	(2,401,310)	(3,488,753)
Available-for-sale securities, Fair Value	109,204,319	108,984,597
U.S. Government and agencies
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale securities, Amortized Cost	10,665,828	10,710,675
Available-for-sale securities, Gross Unrealized Gains	103,698	114,936
Available-for-sale securities, Gross Unrealized Losses	(304,689)	(405,535)
Available-for-sale securities, Fair Value	10,464,837	10,420,076
Mortgage-backed securities (government-sponsored enterprises - residential)
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale securities, Amortized Cost	49,644,442	49,486,337
Available-for-sale securities, Gross Unrealized Gains	258,131	219,222
Available-for-sale securities, Gross Unrealized Losses	(892,958)	(1,359,904)
Available-for-sale securities, Fair Value	49,009,615	48,345,655
Municipal bonds
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale securities, Amortized Cost	49,730,707	50,889,046
Available-for-sale securities, Gross Unrealized Gains	1,202,823	1,053,134
Available-for-sale securities, Gross Unrealized Losses	(1,203,663)	(1,723,314)
Available-for-sale securities, Fair Value	$ 49,729,867	$ 50,218,866