INCOME TAXES - Reconciliation of Income Tax Expense at Statutory Rate to Actual Income Tax Expense (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Income Tax Disclosure [Abstract]
Computed at the statutory rate (34%)			$ 1,077,901	$ 1,044,204
Increase (decrease) resulting from
Tax exempt interest			(332,888)	(382,400)
State income taxes, net			147,443	137,370
Increase in cash surrender value			(45,055)	(47,904)
Other, net			839	(864)
Actual tax expense	$ 230,247	$ 260,619	$ 848,240	$ 750,406