EARNINGS PER SHARE (Tables)

9 Months Ended

Sep. 30, 2014

Earnings Per Share [Abstract]

Schedule of earnings per share calculations for basic and diluted methods

	Three Months Ended				Nine Months Ended
	September 30,				September 30,
	2014		2013		2014		2013
Net income available to common shareholders	$	856,016	$	785,669	$	2,320,782	$	2,558,192
Basic average shares outstanding		1,795,252		1,847,069		1,795,007		1,864,701
Diluted potential common shares:
Stock option equivalents		14,126		2,168		9,136		292
Diluted average shares outstanding		1,809,378		1,849,237		1,804,143		1,864,993
Basic earnings per share	$	0.48	$	0.43	$	1.29	$	1.37
Diluted earnings per share	$	0.47	$	0.42	$	1.29	$	1.37