ALLOWANCE FOR LOAN LOSSES (Assessment of Credit Quality) (Details) (USD $)	Sep. 30, 2013	Mar. 31, 2013	Sep. 30, 2012
Financing Receivable, Recorded Investment [Line Items]
Gross loan balance	$ 1,163,237,688	$ 1,067,051,763	$ 1,087,901,711
New borrower [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loan balance	143,398,274	130,897,466	120,930,075
Former borrower [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loan balance	113,787,457	90,281,773	100,446,957
Refinance [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loan balance	882,881,124	826,073,460	844,735,145
Delinquent refinance [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loan balance	23,170,833	19,799,064	21,789,534
Performing [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loan balance	1,101,669,295	1,020,337,490	1,041,729,308
Contractual non-performing [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loan balance	61,568,393	46,714,273	46,172,403
Consumer loans- non-bankrupt accounts [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loan balance	1,156,800,429	1,061,141,557	1,081,212,719
Consumer loans- bankrupt accounts [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loan balance	$ 6,437,259	$ 5,910,206	$ 6,688,992