CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE (LOSS) INCOME (Unaudited) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2017	Jun. 30, 2016	Jun. 30, 2017	Jun. 30, 2016
Interest income:
Interest and fees on loans	$ 528,207	$ 689,160	$ 1,116,983	$ 1,228,940
Interest on investment securities	30,808	40,699	62,565	84,952
Interest on federal funds sold	24,130	7,585	36,789	17,227
Interest on time deposits with other banks	191	171	372	290
Total interest income	583,336	737,615	1,216,709	1,331,409
Interest expense:
Interest on time deposits	8,586	8,852	17,754	17,356
Interest on demand deposits	6,260	5,987	12,438	12,099
Interest on savings deposits	1,478	1,398	2,929	2,816
Total interest expense	16,324	16,237	33,121	32,271
Net interest income	567,012	721,378	1,183,588	1,299,138
(Credit) provision for loan losses	(46,000)	30,000	(76,000)	(5,000)
Net interest income after provision (credit) for loan losses	613,012	691,378	1,259,588	1,304,138
Noninterest income:
Customer service fees	101,571	90,412	197,310	176,267
ATM fee income	32,045	29,294	63,147	56,014
Gain on sale of loans	91,402	99,414	151,860	311,973
Loss on sale of other real estate	0	(744)	0	(3,239)
Net change in fair value of financial instruments	47,858	360,342	73,517	288,280
Other income	34,284	125,076	61,878	162,750
Total noninterest income	307,160	703,794	547,712	992,045
Noninterest expense:
Salaries, wages and employee benefits	379,428	372,676	779,248	764,616
Occupancy and equipment	247,007	240,481	501,134	478,637
Office operations and supplies	82,463	83,114	162,719	166,414
Marketing and public relations	4,309	11,325	8,809	27,720
Professional services	51,700	75,973	101,440	149,131
Data processing	96,469	100,547	195,352	209,295
Other real estate expense	9,292	22,800	29,886	37,561
Loan and collection costs	34,034	23,929	80,624	58,576
Deposit insurance assessments	23,000	30,174	45,000	57,000
Other operating	107,767	119,612	221,006	231,198
Total noninterest expense	1,035,469	1,080,631	2,125,218	2,180,148
Net(loss) income before income taxes	(115,297)	315,016	(317,918)	116,035
Provision for income taxes	0	0	0	0
Net (loss) income	$ (115,297)	$ 315,016	$ (317,918)	$ 116,035
Net (loss) income per common share - basic and diluted	$ (0.14)	$ 0.38	$ (0.38)	$ 0.14
Weighted average number of common shares	826,921	826,921	826,921	826,921
Comprehensive (loss) income:
Net (loss) income	$ (115,297)	$ 315,016	$ (317,918)	$ 116,035
Unrealized gains on available for sale securities, net of taxes	25,198	26,639	34,965	90,586
Total comprehensive income (loss)	$ (90,099)	$ 341,655	$ (282,953)	$ 206,621