INCOME TAXES (Tables)

6 Months Ended

Jun. 30, 2015

Income Tax Disclosure [Abstract]

Schedule of reconciliation of income tax expense at statutory rate to actual income tax expense

		June 30, 2015			June 30, 2014
Computed at the statutory rate (34%)	$	761,822		$	664,548
Increase (decrease) resulting from
Tax exempt interest		(214,944	)		(257,009	)
State income taxes, net		99,455			113,509
Increase in cash surrender value		(29,640	)		(31,821	)
Other, net		1,300			559
Actual tax expense	$	617,993		$	489,786