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PREMISES AND EQUIPMENT (Tables)
 12 Months Ended
Dec. 31, 2013
Property, Plant and Equipment [Abstract]  
Property, Plant and Equipment [Table Text Block]
Period end premises and equipment were as follows at December 31:
 
 
 
2013
 
2012
 
Land & land improvements
 
$
4,700,464
 
$
4,700,464
 
Buildings & building improvements
 
 
6,201,507
 
 
6,132,163
 
Furniture, fixtures and equipment
 
 
3,864,940
 
 
3,800,460
 
 
 
 
14,766,911
 
 
14,633,087
 
Less:  accumulated depreciation
 
 
5,621,444
 
 
5,212,201
 
 
 
$
9,145,467
 
$
9,420,886