BORROWINGS (Tables)

12 Months Ended

Dec. 31, 2015

Federal Home Loan Banks [Abstract]

Schedule of maturities of outstanding FHLB advances

	At December 31,
Maturity	2015		2014
Year one	$	13,000,000	$	12,500,000
Year two		-		-
Year three		-		-
Year four		-		-
Year five		-		-
Thereafter		-		-
	$	13,000,000	$	12,500,000