ALLOWANCE FOR LOAN LOSSES (Assessment of Credit Quality) (Details) (USD $)	Dec. 31, 2013	Mar. 31, 2013	Dec. 31, 2012
Financing Receivable, Recorded Investment [Line Items]
Gross loan balance	$ 1,264,058,311	$ 1,067,051,763	$ 1,183,705,736
Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest	63,788,486	46,714,273	51,304,248
New borrower [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loan balance	187,601,560	130,897,466	163,114,221
Former borrower [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loan balance	119,609,101	90,281,773	105,679,007
Refinance [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loan balance	931,298,081	826,073,460	893,210,701
Delinquent refinance [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loan balance	25,549,569	19,799,064	21,701,807
Consumer loans- non-bankrupt accounts [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loan balance	1,258,306,938	1,061,141,557	1,177,660,433
Consumer loans- bankrupt accounts [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loan balance	$ 5,751,373	$ 5,910,206	$ 6,045,303