ALLOWANCE FOR LOAN LOSSES AND IMPAIRED LOANS (Details) (USD $)	3 Months Ended
Mar. 31, 2015	Mar. 31, 2014
Allowance for loan losses:
Beginning balance	$ 1,978,172	$ 2,809,642
Charge-offs	(392,874)	(32,475)
Recoveries	22,444	265,042
Provision for loan losses	0us-gaap_ProvisionForLoanAndLeaseLosses	0us-gaap_ProvisionForLoanAndLeaseLosses
Ending balance	1,607,742	3,042,209
Commercial Portfolio Segment [Member]
Allowance for loan losses:
Beginning balance	500,776	339,048
Charge-offs	0	0
Recoveries	17,100	253,800
Provision for loan losses	(4,902)	(166,776)
Ending balance	512,974	426,072
Commercial Real Estate Portfolio Segment [Member]
Allowance for loan losses:
Beginning balance	848,589	1,713,193
Charge-offs	(392,397)	0
Recoveries	0	0
Provision for loan losses	(46,353)	(26,579)
Ending balance	409,839	1,686,614
Consumer Portfolio Segment [Member]
Allowance for loan losses:
Beginning balance	294,039	424,824
Charge-offs	(477)	(274)
Recoveries	5,344	11,242
Provision for loan losses	(3,977)	(38,825)
Ending balance	294,929	396,967
Residential Portfolio Segment [Member]
Allowance for loan losses:
Beginning balance	204,485	227,767
Charge-offs	0	(32,201)
Recoveries	0	0
Provision for loan losses	2,222	3,117
Ending balance	206,707	198,683
Unallocated Financing Receivables [Member]
Allowance for loan losses:
Beginning balance	130,283	104,810
Charge-offs	0	0
Recoveries	0	0
Provision for loan losses	53,010	229,063
Ending balance	$ 183,293	$ 333,873

A valuation allowance for financing receivables that are expected to be uncollectible.

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (c)(1)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

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Amount of recovery of financing receivables doubtful of collection that were previously charged off.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (c)(4)

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Amount of direct write-downs of financing receivables charged against the allowance.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

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-Paragraph 11B

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- Definition

Amount of expense related to estimated loss from loan and lease transactions.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 11

-Article 9

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

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