CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016
Cash flows from operating activities:
Net (loss) income	$ (319,426)	$ 24,537
Adjustments to reconcile net (loss) income to net cash used in operating activities:
Credit to provision for loan losses	(82,000)	(69,000)
Net loss on sale of other real estate	0	3,239
Gain on sale of loans	(387,177)	(732,411)
Amortization of premiums on investments	9,594	13,839
Depreciation on fixed assets	185,882	190,334
Write-down of other real estate owned	4,972	0
Loans originated for sale	(4,763,580)	(13,162,229)
Proceeds from sale of loans held-for-sale	2,741,378	7,979,932
Amortization of servicing asset	50,154	46,693
Net change in fair value of financial instruments	(337,567)	(365,900)
Increase in accrued interest receivable and other assets	(159,465)	(55,608)
Decrease in accrued interest payable and other liabilities	(37,199)	(31,782)
Net cash used in operating activities	(3,094,434)	(6,158,356)
Cash flows from investing activities:
Purchase of available-for-sale investment securities	0	(4,099,785)
Proceeds from maturities, calls and principal reductions of available-for-sale investment securities	446,293	6,013,572
Net decrease in loans	887,184	6,634,598
Proceeds from sale of other real estate owned	0	29,017
Purchase of bank premises and equipment	(108,709)	(78,075)
Net cash provided by investing activities	1,224,768	8,499,327
Cash flows from financing activities:
Net increase (decrease) in deposits	4,813,088	(5,320,238)
Proceeds from sale of preferred stock	925,000	0
Net cash provided by (used in) financing activities	5,738,088	(5,320,238)
Net increase (decrease) in cash and cash equivalents	3,868,422	(2,979,267)
Cash and cash equivalents at beginning of year	7,802,831	10,782,098
Cash and cash equivalents at end of year	11,671,253	7,802,831
Supplemental disclosure of cash flow information:
Cash paid during the year for interest	68,739	64,133
Noncash transfer of loans to other real estate owned	$ 183,672	$ 0