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, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Income Tax Disclosure [Abstract]
Computed at the statutory rate (34%)			$ 1,089,710	$ 1,077,901
Increase (decrease) resulting from
Tax exempt interest			(333,465)	(332,888)
State income taxes, net			142,722	147,443
Increase in cash surrender value			(44,530)	(45,055)
Other, net			(57)	839
Actual tax expense	$ 267,287	$ 230,247	$ 854,380	$ 848,240