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PREMISES AND EQUIPMENT (Tables)
9 Months Ended
Sep. 30, 2014
Property, Plant and Equipment [Abstract]  
Property, Plant and Equipment [Table Text Block]
Period end premises and equipment were as follows at September 30, 2014 and December 31, 2013:
 
 
 
September 30,
 
December 31,
 
 
 
2014
 
2013
 
Land & land improvements
 
$
4,701,611
 
$
4,700,464
 
Buildings & building improvements
 
 
6,214,970
 
 
6,201,507
 
Furniture, fixtures and equipment
 
 
3,576,335
 
 
3,864,940
 
 
 
 
14,492,916
 
 
14,766,911
 
Less:  accumulated depreciation
 
 
5,353,056
 
 
5,621,444
 
 
 
$
9,139,860
 
$
9,145,467