CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Cash flows from operating activities:
Net loss	$ (1,485,637)	$ (319,426)
Adjustments to reconcile net loss to net cash used in operating activities:
Provision (credit) for loan losses	317,000	(82,000)
Net loss on sale of other real estate	11,588	0
Gain on sale of loans	(365,723)	(387,177)
Amortization of premiums on investments	6,843	9,594
Depreciation on fixed assets	160,261	185,882
Write-down of other real estate owned	5,000	4,972
Loans originated for sale	(4,868,111)	(4,763,580)
Proceeds from sale of loans held-for-sale	3,852,177	2,741,378
Amortization of servicing asset	91,336	50,154
Net change in fair value of financial instruments	636,945	(337,567)
Increase (decrease) in accrued interest receivable and other assets	14,656	(159,465)
Decrease in accrued interest payable and other liabilities	(110,407)	(37,199)
Net cash used in operating activities	(1,734,072)	(3,094,434)
Cash flows from investing activities:
Purchase of available-for-sale investment securities	(2,489)	0
Proceeds from maturities, calls and principal reductions of available-for-sale investment securities	524,604	446,293
Net decrease in loans	4,963,983	887,184
Proceeds from sale of other real estate owned	217,912	0
Purchase of bank premises and equipment	(20,087)	(108,709)
Net cash provided by investing activities	5,683,923	1,224,768
Cash flows from financing activities:
Net (decrease) increase in deposits	(7,183,061)	4,813,088
Proceeds from sale of preferred stock	0	925,000
Net cash (used in) provided by financing activities	(7,183,061)	5,738,088
Net (decrease) increase in cash and cash equivalents	(3,233,210)	3,868,422
Cash and cash equivalents at beginning of year	11,671,253	7,802,831
Cash and cash equivalents at end of year	8,438,043	11,671,253
Supplemental disclosure of cash flow information:
Cash paid during the year for interest	74,391	68,739
Noncash transfer of loans to other real estate owned	$ 0	$ 183,672