Consolidated Statements of Cash Flows (unaudited) (USD $)	9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010
Cash flows from operating activities
Net loss	$ (757,807)	$ (705,820)
Adjustments to reconcile net loss to net cash (used in) provided by operating activities:
Provision for loan losses	100,000	477,000
Gain on sale of other real estate	111,291	0
Depreciation expense	188,113	204,971
Amortization expense	176,809	168,706
Decrease (increase) in accrued interest receivable and other assets	146,762	(199,181)
Decrease in accrued interest payable and other liabilites	(94,262)	(59,298)
Net cash used in operating activities	(129,094)	(113,622)
Cash flows from investing activities
Purchase of investments-Held-to-Maturity	(9,912,036)	(14,596,763)
Purchase of investments-Available-for-Sale	(262.041)	0
Proceeds from maturity & principal reductions of investments-Available-for-Sale	251,656	437,726
Proceeds from maturity & principal reductions of investments-Held-to-Maturity	7,662,121	9,809,082
Net decrease (increase) in loans	3,742,454	(457,889)
Purchase of premises and equipment	(88,161)	(57,927)
Net cash provided by (used in) investing activities	1,393,993	(4,865,771)
Cash flows from financing activities
Net increase in deposits	4,907,474	8,170,625
Net cash provided by financing activities	4,907,474	8,170,625
Increase in cash and cash equivalents	6,172,373	3,191,232
Cash and cash equivalents at beginning of period	8,696,111	6,289,844
Cash and cash equivalents at end of period	14,868,484	9,481,076
Supplemental disclosures of cash flow information
Cash paid during the period for interest	193,266	218,391
Noncash transfer of loans to other real estate owned	$ 602,100	$ 1,633,947