COMMITMENTS AND CONTINGENCIES (Tables)

12 Months Ended

Dec. 31, 2014

Commitments and Contingencies Disclosure [Abstract]

Schedule of financial instruments whose contract amounts represent credit risk

	Approximate
	Contractual Amount
	2014		2013
Financial instruments whose contract amounts represent credit risk:
Commitments to extend credit	$	26,833,000	$	26,313,000
Commercial letters of credit		2,027,000		2,125,000

Schedule of future minimum lease payments under all noncancelable lease agreements inclusive of sales tax and maintenance costs

As of December 31, 2014, future minimum lease payments under all noncancelable lease agreements inclusive of sales tax and maintenance costs for the next five years and thereafter are as follows:

2015	$	551,831
2016		440,869
2017		78,908
2018		81,270
2019 and Thereafter		81,270
	$	1,234,148