8. BANK PREMISES AND EQUIPMENT (Details) - USD ($)	Dec. 31, 2016	Dec. 31, 2015
Notes to Financial Statements
Land	$ 3,090,632	$ 1,868,709
Buildings and improvements	9,404,429	7,209,427
Furniture and equipment	6,560,956	7,397,173
Gross	19,056,017	16,475,309
Less - accumulated depreciation	(8,788,082)	(8,933,231)
Net	$ 10,267,935	$ 7,542,078