AVAILABLE-FOR-SALE SECURITIES (Details 3) - USD ($)	9 Months Ended	12 Months Ended
Sep. 30, 2016	Dec. 31, 2015
Schedule of Available-for-sale Securities [Line Items]
Available-for sale Securities, Less than 12 Months, Fair Value	$ 8,976,218	$ 14,280,754
Available-for-sale Securities, Less than 12 Months, Gross Unrealized Loss	(59,862)	(141,177)
Available-for-sale Securities, 12 Months or More, Fair Value	6,687,786	7,311,228
Available-for-sale Securities, 12 Months or More, Gross Unrealized Loss	(94,740)	(141,114)
Available-for-sale Securities, Total, Fair Value	15,664,004	21,591,982
Available-for-sale Securities, Total, Gross Unrealized Losses	(154,602)	(282,291)
Mortgage Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for sale Securities, Less than 12 Months, Fair Value	7,726,061	13,002,963
Available-for-sale Securities, Less than 12 Months, Gross Unrealized Loss	(54,471)	(133,816)
Available-for-sale Securities, 12 Months or More, Fair Value	6,687,786	5,833,352
Available-for-sale Securities, 12 Months or More, Gross Unrealized Loss	(94,740)	(97,744)
Available-for-sale Securities, Total, Fair Value	14,413,847	18,836,315
Available-for-sale Securities, Total, Gross Unrealized Losses	(149,211)	(231,560)
US Government Agencies Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for sale Securities, Less than 12 Months, Fair Value	1,230,105	1,242,250
Available-for-sale Securities, Less than 12 Months, Gross Unrealized Loss	(5,123)	(6,715)
Available-for-sale Securities, 12 Months or More, Fair Value	0	1,477,876
Available-for-sale Securities, 12 Months or More, Gross Unrealized Loss	0	(43,370)
Available-for-sale Securities, Total, Fair Value	1,230,105	2,720,126
Available-for-sale Securities, Total, Gross Unrealized Losses	(5,123)	(50,085)
Municipal Obligations [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for sale Securities, Less than 12 Months, Fair Value	20,052	35,541
Available-for-sale Securities, Less than 12 Months, Gross Unrealized Loss	(268)	(646)
Available-for-sale Securities, 12 Months or More, Fair Value	0	0
Available-for-sale Securities, 12 Months or More, Gross Unrealized Loss	0	0
Available-for-sale Securities, Total, Fair Value	20,052	35,541
Available-for-sale Securities, Total, Gross Unrealized Losses	$ (268)	$ (646)

Amount of unrealized loss on securities classified as available-for-sale that have been in a loss position for twelve months or longer.

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Amount of unrealized loss on investments in available-for-sale securities that have been in a loss position for less than twelve months.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 6
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Amount of unrealized loss before deducting unrealized gain on investments in available-for-sale securities.

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