OFF-BALANCE SHEET ACTIVITIES (Tables)

12 Months Ended

Dec. 31, 2014

Fair Value Disclosures [Abstract]

Schedule of Fair Value, Off-balance Sheet Risks [Table Text Block]

The contractual amount of unfunded financial instruments with off-balance sheet risk was as follows at December 31, 2014 and 2013:

	2014				2013
	Fixed		Variable		Fixed		Variable
	Rate		Rate		Rate		Rate
Unused lines of credit	$	1,036,126	$	22,457,369	$	1,711,768	$	19,602,468
Unused standby letters of credit		0		1,362,000		0		1,262,000
Commitments to make loans		0		49,713		243,721		0