CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($)	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Cash flows from operating activities:
Net loss	$ (202,621)	$ (198,981)
Adjustments to reconcile net loss to net cash (used in) provided by operating activities:
Credit to provision for loan losses	(30,000)	(35,000)
Amortization of premiums on investments,net	2,623	3,384
Loss on disposition of other real estate	0	2,495
Amortization of servicing asset	8,063	4,562
Depreciation on fixed assets	46,526	45,964
Net change in fair value of financial instruments	(25,659)	72,062
Gain on sale of loans	(60,458)	(212,559)
Proceeds from the sale of loans held-for-sale	583,392	2,109,215
Loans originated for sale	(444,949)	(1,571,097)
Increase in accrued interest receivable and other assets	(86,050)	(103,754)
(Decrease) increase in accrued interest payable and other liabilities	(13,312)	32,479
Net cash (used in) provided by operating activities	(222,446)	148,769
Cash flows from investing activities:
Proceeds from maturity and principal reductions of available-for-sale investment securities	127,767	824,696
Purchase of securities available-for-sale	(328)	(500,099)
Net decrease in loans	1,191,137	1,803,063
Proceeds from sale of other real estate	0	14,155
Purchase of bank premises and equipment	(6,938)	(24,432)
Net cash provided by investing activities	1,311,638	2,117,383
Cash flows from financing activities:
Proceeds from the sale of preferred stock	675,000	0
Net decrease in deposits	227,694	(4,379,574)
Net cash provided by (used in) financing activities	902,694	(4,379,574)
Net increase (decrease) in cash and cash equivalents	1,991,887	(2,113,422)
Cash and cash equivalents at beginning of period	7,802,831	10,782,098
Cash and cash equivalents at end of period	9,794,718	8,668,676
Supplemental disclosure of cash flow information:
Cash paid during the period for interest	$ 16,908	$ 13,759