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