ALLOWANCE FOR LOAN LOSSES (Assessment of Credit Quality) (Details) - USD ($)	Dec. 31, 2015	Mar. 31, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Gross loan balance	$ 1,219,209,366	$ 1,110,145,082	$ 1,262,617,971
Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest	87,860,582	77,160,536	84,692,811
New borrower [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loan balance	173,506,380	146,376,318	189,297,996
Former borrower [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loan balance	137,261,707	110,149,558	131,854,445
Refinance [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loan balance	884,046,393	829,661,427	914,438,177
Delinquent refinance [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loan balance	24,394,886	23,957,779	27,027,353
Consumer loans- non-bankrupt accounts [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loan balance	1,213,286,140	1,104,179,016	1,256,348,256
Consumer loans- bankrupt accounts [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loan balance	5,923,226	5,966,066	6,269,715
Performing Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loan balance	$ 1,131,348,784	$ 1,032,984,546	$ 1,177,925,160