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RELATED PARTY TRANSACTIONS (Tables)
 12 Months Ended
Dec. 31, 2013
RELATED PARTY TRANSACTIONS [Abstract]  
Related Party Loans
These loans are summarized as follows for the years ended December 31, 2013 and 2012:

 
 
2013
  
2012
 
Balance at beginning of year
 
$
25,389,555
  
$
20,884,273
 
New loans or additional advances
  
30,055,816
   
37,544,459
 
Repayments
  
(29,037,523
)
  
(33,039,177
)
Balance at end of year
 
$
26,407,848
  
$
25,389,555