EARNINGS PER SHARE (Tables)

9 Months Ended

Sep. 30, 2015

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,
	2015		2014		2015		2014
Net income available to common shareholders	$	699,398	$	856,016	$	2,322,058	$	2,320,782
Basic average shares outstanding		1,765,873		1,795,252		1,771,810		1,795,007
Diluted potential common shares:
Stock option equivalents		16,960		14,126		14,760		9,136
Diluted average shares outstanding		1,782,833		1,809,378		1,786,570		1,804,143
Basic earnings per share	$	0.40	$	0.48	$	1.31	$	1.29
Diluted earnings per share	$	0.39	$	0.47	$	1.30	$	1.29