CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	6 Months Ended
	Jun. 30, 2018	Jun. 30, 2017
Cash flows from operating activities:
Net loss	$ (350,072)	$ (317,918)
Adjustments to reconcile net loss to net cash provided by (used in) operating activities:
Provision (credit) for loan losses	25,000	(76,000)
Amortization of premiums on investments	3,792	4,989
Net (loss) gain on sale of other real estate	11,604	0
Write-down of other real estate	5,000	0
Amortization of servicing asset	55,141	11,454
Depreciation on fixed assets	96,845	93,626
Net change in fair value of financial instruments	(20,516)	(73,517)
Gain on sale of loans	(223,818)	(151,860)
Proceeds from the sale of loans held-for-sale	2,412,827	1,439,815
Loans originated for sale	(3,328,794)	(1,726,190)
Increase in accrued interest receivable and other assets	(123,798)	(12,910)
Decrease in accrued interest payable and other liabilities	(45,345)	(65,981)
Net cash used in operating activities	(1,482,134)	(874,493)
Cash flows from investing activities:
Proceeds from maturity and principal reductions of available-for-sale investment securities	360,821	215,314
Purchase of securities available-for-sale	(1,083)	(656)
Net decrease in loans	2,417,898	1,265,779
Proceeds from sale of other real estate	207,096	0
Purchase of bank premises and equipment	(8,033)	(10,771)
Net cash provided by investing activities	2,976,599	1,469,667
Cash flows from financing activities:
Stock Issued During Period, Value, New Issues	0	675,000
Net decrease in deposits	(3,080,718)	1,693,277
Net cash (used in) provided by financing activities	(3,080,718)	1,469,667
Net (decrease) increase in cash and cash equivalents	(1,586,253)	2,963,451
Cash and cash equivalents at beginning of period	11,671,253	7,802,831
Cash and cash equivalents at end of period	10,085,000	10,766,282
Supplemental disclosure of cash flow information:
Cash paid during the period for interest	30,315	30,136
Transfer of investments to other cash equivalents	132,614	0
Transfer of loans from held-for sale to held at fair value	$ 538,309	$ 279,237