QUARTERLY FINANCIAL DATA (UNAUDITED) (Details) (USD $)	3 Months Ended								12 Months Ended
	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Quarterly Financial Data Details
Interest Income	$ 3,266,000	$ 3,333,000	$ 3,387,000	$ 3,376,000	$ 3,582,000	$ 3,482,000	$ 3,429,000	$ 3,273,000	$ 13,362,443	$ 13,765,959	$ 15,529,672
Interest expense	199,000	211,000	211,000	212,000	212,000	224,000	232,000	235,000	833,389	903,267	1,051,530
Net interest income	3,067,000	3,122,000	3,176,000	3,164,000	3,370,000	3,258,000	3,197,000	3,038,000	12,529,054	12,862,692	14,478,142
Provision for loan losses	75,000				(25,000)	175,000	50,000	225,000	75,000	425,000	2,400,000
Non-interest income	1,454,000	990,000	1,017,000	979,000	986,000	1,059,000	1,199,000	1,237,000	4,440,411	4,481,119	5,948,861
Non-interest expense	3,927,000	3,758,000	3,623,000	3,644,000	4,006,000	3,801,000	4,101,000	3,813,000	14,952,144	15,720,844	18,159,250
Income (loss) before income taxes	519,000	354,000	570,000	499,000	375,000	341,000	245,000	237,000	1,942,321	1,197,967	(132,247)
Income tax expense (benefit)	(24,000)	(22,000)	97,000	83,000	(101,000)	11,000	(26,000)	(35,000)	(133,663)	150,806	901,070
Net income	543,000	376,000	473,000	416,000	476,000	330,000	271,000	272,000	1,808,658	1,348,773	768,823
Preferred dividends	59,000	59,000	59,000	59,000	60,000	59,000	59,000	59,000	236,820	236,820	236,820
Net income (loss) available to common stockholders	$ 484,000	$ 317,000	$ 414,000	$ 357,000	$ 416,000	$ 271,000	$ 212,000	$ 213,000	$ 1,571,838	$ 1,111,953	$ 532,003
Net income per common share - basic	$ 0.22	$ 0.15	$ 0.19	$ 0.17	$ 0.19	$ 0.13	$ 0.1	$ 0.1	$ 0.73	$ 0.52	$ 0.25
Net income per common share - diluted	$ 0.22	$ 0.15	$ 0.19	$ 0.16	$ 0.18	$ 0.13	$ 0.1	$ 0.1	$ 0.72	$ 0.51	$ 0.25