Consolidated Statements of Operation (unaudited) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010	Sep. 30, 2011	Sep. 30, 2010
Interest income:
Interest and fees on loans	$ 654,573	$ 723,383	$ 1,974,564	$ 2,105,123
Interest on investment securities	157,717	151,636	467,805	423,794
Interest on federal funds sold	6,164	3,380	13,479	8,369
Interest on time deposits with other banks	175	179	521	1,081
Total interest income	818,629	878,578	2,456,369	2,538,367
Interest expense:
Interest on time deposits	37,208	53,102	115,751	158,740
Interest on demand deposits	20,184	17,673	57,641	57,178
Interest on savings deposits	2,680	3,595	9,571	10,914
Total interest expense	60,072	74,370	182,963	226,832
Net interest income	758,557	804,208	2,273,406	2,311,535
Provision for loan losses	30,000	377,000	100,000	477,000
Net interest income less provision for
Net interest income less provision for loan losses	728,557	734,208	2,173,406	1,834,535
Noninterest income:
Customer service fees	93,319	107,859	286,654	326,025
ATM activity fees	88,535	92,767	265,314	278,440
Loan syndication fees	0	0	80,000	80,000
Net gain on sale of other real estate	0	0	111,291	0
Grant income	0	394,400	0	394,400
Other income	16,930	19,808	68,556	104,517
Total noninterest income	198,784	614,834	811,815	1,183,382
Non-interest expense
Salaries, wages, and employee benefits	417,229	428,273	1,262,393	1,298,635
Occupancy and equipment	273,563	249,502	821,232	758,742
Office operations and supplies	76,585	76,496	229,167	218,432
Marketing and public relations	14,323	6,059	72,748	18,808
Professional services	56,405	70,312	199,187	237,365
Data processing	117,934	119,912	368,394	352,805
Deposit insurance assessments	40,892	36,186	125,122	107,339
Loan and collection expense	34,642	141,610	141,364	235,340
Other noninterest expense	176,792	174,667	523,421	496,270
Total non-interest expense	1,208,395	1,303,027	3,743,028	3,723,736
Net (loss) income	$ (281,054)	$ 46,015	$ (757,807)	$ (705,819)
(Loss) income per share-basic	$ (0.26)	$ 0.04	$ (0.71)	$ (0.66)
(Loss) income per share-diluted	$ (0.26)	$ 0.04	$ (0.71)	$ (0.66)
Weighted average number of shares	1,065,588	1,065,588	1,065,588	1,065,588