INVESTMENTS - Gross Unrealized Losses and Fair Value in Continuous Loss Position (Details 2) (USD $)	Mar. 31, 2014	Dec. 31, 2013
Investments, Unrealized Loss Position [Line Items]
Less Than Twelve Months, Gross Unrealized Losses	$ (1,650,040)	$ (2,895,280)
Less Than Twelve Months, Fair Value	50,831,542	61,880,678
Twelve Months or More, Gross Unrealized Losses	(751,270)	(593,473)
Twelve Months or More, Fair Value	12,999,217	9,317,373
Gross Unrealized Losses	(2,401,310)	(3,488,753)
Fair Value	63,830,759	71,198,051
Municipal bonds | Unsecured Debt
Investments, Unrealized Loss Position [Line Items]
Less Than Twelve Months, Gross Unrealized Losses	(789,168)	(1,462,733)
Less Than Twelve Months, Fair Value	16,895,964	22,534,325
Twelve Months or More, Gross Unrealized Losses	(414,495)	(260,581)
Twelve Months or More, Fair Value	5,513,523	2,759,523
Gross Unrealized Losses	(1,203,663)	(1,723,314)
Fair Value	22,409,487	25,293,848
U.S. Government and agencies | Unsecured Debt
Investments, Unrealized Loss Position [Line Items]
Less Than Twelve Months, Gross Unrealized Losses	(221,116)	(367,005)
Less Than Twelve Months, Fair Value	5,221,925	5,824,808
Twelve Months or More, Gross Unrealized Losses	(83,573)	(38,530)
Twelve Months or More, Fair Value	1,136,555	470,324
Gross Unrealized Losses	(304,689)	(405,535)
Fair Value	6,358,480	6,295,132
Mortgage-backed securities (government-sponsored enterprises - residential)
Investments, Unrealized Loss Position [Line Items]
Less Than Twelve Months, Gross Unrealized Losses	(639,756)	(1,065,542)
Less Than Twelve Months, Fair Value	28,713,653	33,521,545
Twelve Months or More, Gross Unrealized Losses	(253,202)	(294,362)
Twelve Months or More, Fair Value	6,349,139	6,087,526
Gross Unrealized Losses	(892,958)	(1,359,904)
Fair Value	$ 35,062,792	$ 39,609,071