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INCOME TAXES - Reconciliation of Income Tax Expense at Statutory Rate to Actual Income Tax Expense (Details) (USD $)
3 Months Ended 6 Months Ended
Jun. 30, 2014
Jun. 30, 2013
Jun. 30, 2014
Jun. 30, 2013
Income Tax Disclosure [Abstract]        
Computed at the statutory rate (34%)     $ 664,548 $ 843,829
Increase (decrease) resulting from        
Tax exempt interest     (257,009) (249,632)
State income taxes, net     113,509 146,828
Increase in cash surrender value     (31,821) (32,555)
Other, net     559 856
Actual tax expense $ 176,277 $ 270,539 $ 489,786 $ 709,326