ALLOWANCE FOR LOAN LOSSES (Assessment of Credit Quality) (Details) (USD $)
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Dec. 31, 2012
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Mar. 31, 2012
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Dec. 31, 2011
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Financing Receivable, Recorded Investment [Line Items] | |||
Gross loan balance | $ 1,183,705,736 | $ 972,722,764 | $ 1,066,077,904 |
New borrower [Member]
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Financing Receivable, Recorded Investment [Line Items] | |||
Gross loan balance | 163,114,221 | 110,362,853 | 145,258,224 |
Former borrower [Member]
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Financing Receivable, Recorded Investment [Line Items] | |||
Gross loan balance | 105,679,007 | 79,712,646 | 91,050,042 |
Refinance [Member]
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Financing Receivable, Recorded Investment [Line Items] | |||
Gross loan balance | 893,210,701 | 761,633,523 | 807,415,289 |
Delinquent refinance [Member]
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Financing Receivable, Recorded Investment [Line Items] | |||
Gross loan balance | 21,701,807 | 21,013,742 | 22,354,349 |
Performing [Member]
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Financing Receivable, Recorded Investment [Line Items] | |||
Gross loan balance | 1,132,401,488 | 934,095,598 | 1,019,834,095 |
Contractual non-performing [Member]
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Financing Receivable, Recorded Investment [Line Items] | |||
Gross loan balance | 51,304,248 | 38,627,166 | 46,243,809 |
Consumer loans- non-bankrupt accounts [Member]
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Financing Receivable, Recorded Investment [Line Items] | |||
Gross loan balance | 1,177,660,433 | 967,075,808 | 1,060,227,563 |
Consumer loans- bankrupt accounts [Member]
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Financing Receivable, Recorded Investment [Line Items] | |||
Gross loan balance | $ 6,045,303 | $ 5,646,956 | $ 5,850,341 |