EARNINGS PER SHARE (Tables)

6 Months Ended

Jun. 30, 2014

Earnings Per Share [Abstract]

Schedule of earnings per share calculations for basic and diluted methods

	Three Months Ended				Six Months Ended
	June 30,				June 30,
	2014		2013		2014		2013
Net income available to common shareholders	$	624,977	$	760,075	$	1,464,767	$	1,772,523
Basic average shares outstanding		1,795,133		1,869,499		1,794,883		1,873,692
Diluted potential common shares:
Stock option equivalents		11,347		299		8,156		284
Diluted average shares outstanding		1,806,480		1,869,798		1,803,039		1,873,976
Basic earnings per share	$	0.35	$	0.41	$	0.82	$	0.95
Diluted earnings per share	$	0.35	$	0.41	$	0.81	$	0.95