PREMISES AND EQUIPMENT (Tables)

12 Months Ended

Dec. 31, 2014

Property, Plant and Equipment [Abstract]

Property, Plant and Equipment [Table Text Block]

Period end premises and equipment were as follows at December 31:

	2014		2013
Land & land improvements	$	4,701,611	$	4,700,464
Buildings & building improvements		6,214,971		6,201,507
Furniture, fixtures and equipment		3,604,543		3,864,940
		14,521,125		14,766,911
Less:  accumulated depreciation		5,440,344		5,621,444
	$	9,080,781	$	9,145,467