ALLOWANCE FOR LOAN LOSSES (Assessment of Credit Quality) (Details) (USD $)	Jun. 30, 2014	Mar. 31, 2014	Jun. 30, 2013
Financing Receivable, Recorded Investment [Line Items]
Gross loan balance	$ 1,164,367,908	$ 1,112,307,335	$ 1,125,261,356
Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest	65,218,641	59,270,262	46,970,762
New borrower [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loan balance	152,914,153	151,025,603	130,749,464
Former borrower [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loan balance	122,171,469	102,514,264	107,984,804
Refinance [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loan balance	865,424,587	835,859,734	865,455,031
Delinquent refinance [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loan balance	23,857,699	22,907,734	21,072,057
Consumer loans- non-bankrupt accounts [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loan balance	1,158,372,205	1,106,428,510	1,119,189,271
Consumer loans- bankrupt accounts [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loan balance	$ 5,995,703	$ 5,878,825	$ 6,072,085