MORTGAGE SERVICING RIGHTS (Tables)

9 Months Ended

Sep. 30, 2015

Transfers and Servicing [Abstract]

Schedule of activity in balance of mortgage servicing rights measured using amortization method

	September 30, 2015			December 31, 2014
Balance, beginning of period	$	632,634		$	673,576
Servicing rights capitalized		57,431			53,859
Amortization of servicing rights		(96,897	)		(111,224	)
Change in valuation allowance		5,977			16,423
Balance, end of period	$	599,145		$	632,634

Schedule of activity in valuation allowance for mortgage servicing rights

	September 30, 2015			December 31, 2014
Balance, beginning of period	$	56,969		$	73,392
Additions		-			-
Reductions		(5,977	)		(16,423	)
Balance, end of period	$	50,992		$	56,969