CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE LOSS (Unaudited) - USD ($)	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Interest income:
Interest and fees on loans	$ 486,091	$ 546,462
Interest on investment securities	28,760	29,534
Interest on federal funds sold	27,592	41,310
Interest on interest bearing deposits with other banks	26,748	456
Total interest income	569,191	617,762
Interest expense:
Interest on time deposits	10,867	11,921
Interest on demand deposits	5,850	6,502
Interest on savings deposits	1,294	1,412
Total interest expense	18,011	19,835
Net interest income	551,180	597,927
(Credit) provision for loan losses	(52,000)	20,000
Net interest income after (credit) provision for loan losses	603,180	577,927
Noninterest income:
Customer service fees	93,074	100,089
ATM fee income	23,772	24,722
Gain on sale of loans	81,475	156,547
Net change in fair value of financial instruments	(52,909)	9,093
Loss on sale of other real estate	(20,211)	(2,082)
Servicing fees on loans	32,159	15,495
Other income	12,151	9,801
Total noninterest income	169,511	313,665
Noninterest expense:
Salaries, wages and employee benefits	328,822	400,054
Occupancy and equipment	216,476	255,042
Office operations and supplies	50,619	76,910
Marketing and public relations	2,332	18,562
Professional services	76,168	36,979
Data processing	106,781	101,435
Other real estate expense	9,830	13,835
Loan and collection costs	75,576	28,580
Deposit insurance assessments	9,353	25,000
Other operating	124,242	133,221
Total noninterest expense	1,000,199	1,089,618
Net loss before income taxes	(227,508)	(198,026)
Provision for income taxes	0	0
Net loss	$ (227,508)	$ (198,026)
Net loss per common share-basic and diluted	$ (0.28)	$ (0.24)
Weighted average number of common shares outstanding	826,921	826,921
Comprehensive loss:
Net loss	$ (227,508)	$ (198,026)
Unrealized gains (losses) on available for sale securities, net of taxes	57,890	(53,879)
Total comprehensive loss	$ (169,618)	$ (251,905)