5. LOANS (Details) - USD ($)	Dec. 31, 2016	Dec. 31, 2015
Loans held for investment	$ 591,636,497	$ 544,053,477
Construction/Land Development [Member]
Loans held for investment	76,171,890	69,759,401
Farmland [Member]
Loans held for investment	12,901,023	13,377,740
Real Estate [Member]
Loans held for investment	172,758,171	166,586,877
Multi-Family [Member]
Loans held for investment	7,604,876	7,558,460
Commercial Real Estate [Member]
Loans held for investment	150,060,810	128,031,686
Home Equity - Closed End [Member]
Loans held for investment	11,452,712	9,135,433
Home Equity - Open End [Member]
Loans held for investment	54,419,961	56,599,337
Commercial and Industrial Non-Real Estate [Member]
Loans held for investment	31,306,361	27,954,171
Consumer [Member]
Loans held for investment	6,643,868	8,219,391
Dealer Finance [Member]
Loans held for investment	65,494,924	54,085,791
Credit Cards [Member]
Loans held for investment	$ 2,821,901	$ 2,745,190