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PREMISES AND EQUIPMENT (Details) (USD $)
Dec. 31, 2014
Dec. 31, 2013
Land & land improvements $ 4,701,611us-gaap_LandAndLandImprovements $ 4,700,464us-gaap_LandAndLandImprovements
Buildings & building improvements 6,214,971us-gaap_BuildingsAndImprovementsGross 6,201,507us-gaap_BuildingsAndImprovementsGross
Furniture, fixtures and equipment 3,604,543us-gaap_FurnitureAndFixturesGross 3,864,940us-gaap_FurnitureAndFixturesGross
Property, Plant and Equipment, Gross 14,521,125us-gaap_PropertyPlantAndEquipmentGross 14,766,911us-gaap_PropertyPlantAndEquipmentGross
Less: accumulated depreciation 5,440,344us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment 5,621,444us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
Property, Plant and Equipment, Net $ 9,080,781us-gaap_PropertyPlantAndEquipmentNet $ 9,145,467us-gaap_PropertyPlantAndEquipmentNet