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REGULATORY CAPITAL REQUIREMENTS (Details) (USD $)
12 Months Ended
Dec. 31, 2013
Dec. 31, 2013
Consolidated [Member]
Dec. 31, 2012
Consolidated [Member]
Dec. 31, 2013
Bank [Member]
Dec. 31, 2012
Bank [Member]
REGULATORY CAPITAL REQUIREMENTS [Abstract]          
Net profits period to accessing dividends declarable 2 years        
Declarable dividends without prior approval for next fiscal year $ 8,500,000        
Total Capital (to Risk Weighted Assets) [Abstract]          
Total Capital   126,298,617 119,894,319 121,221,937 115,391,331
Capital Required for Capital Adequacy   83,483,686 73,208,463 83,368,967 73,044,522
Capital Required to be Well Capitalized       104,211,209 91,305,653
Tier 1 Capital (to Risk Weighted Assets) [Abstract]          
Tier One Risk Based Capital   110,260,258 106,924,553 105,239,348 102,459,917
Tier One Risk Based Capital Required for Capital Adequacy   41,741,843 36,604,232 41,684,484 36,522,261
Tier One Risk Based Capital Required to be Well Capitalized       62,526,725 54,783,392
Tier 1 Capital (to Average Assets) [Abstract]          
Tier One Leverage Capital   110,260,258 106,924,553 105,239,348 102,459,917
Tier One Leverage Capital Required for Capital Adequacy   40,940,320 36,701,105 40,900,388 36,630,566
Tier One Leverage Capital Required to be Well Capitalized       $ 68,167,313 $ 61,050,944
Risk Based Ratios [Abstract]          
Capital to Risk Weighted Assets (in hundredths)   12.10% 13.10% 11.63% 12.64%
Capital Required for Capital Adequacy to Risk Weighted Assets (in hundredths)   8.00% 8.00% 8.00% 8.00%
Capital Required to be Well Capitalized to Risk Weighted Assets (in hundredths)       10.00% 10.00%
Tier One Risk Based Capital to Risk Weighted Assets (in hundredths)   10.57% 11.68% 10.10% 11.22%
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets (in hundredths)   4.00% 4.00% 4.00% 4.00%
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets (in hundredths)       6.00% 6.00%
Leverage Ratios [Abstract]          
Tier One Leverage Capital to Average Assets (in hundredths)   8.08% 8.74% 7.72% 8.39%
Tier One Leverage Capital Required for Capital Adequacy to Average Assets (in hundredths)   3.00% 3.00% 3.00% 3.00%
Tier One Leverage Capital Required to be Well Capitalized to Average Assets (in hundredths)       5.00% 5.00%