CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($)	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Cash flows from operating activities:
Net loss	$ (227,508)	$ (198,026)
Adjustments to reconcile net loss to net cash provided by (used in) operating activities:
(Credit) provision for loan losses	(52,000)	20,000
Amortization of premiums on investments	1,462	2,021
Loss on sale of other real estate	20,211	2,082
Amortization of servicing asset	24,198	34,083
Depreciation on fixed assets	21,598	49,033
Net change in fair value of financial instruments	52,909	(9,093)
Gain on sale of loans	(81,475)	(156,547)
Proceeds from the sale of loans held-for-sale	1,144,073	1,747,544
Loans originated for sale (net of payments)	(390,675)	(1,638,729)
Increase in accrued interest receivable and other assets	(68,044)	(5,842)
Increase in accrued interest payable and other liabilities	35,763	17,281
Net cash provided by (used in) operating activities	1,261,862	(136,193)
Cash flows from investing activities:
Proceeds from maturity and principal reductions of available-for-sale investment securities	71,708	257,894
Purchase of securities available-for-sale	0	(450)
Net decrease in loans	1,091,603	1,119,761
Proceeds from sale of other real estate	(135,789)	(54,618)
Purchase of bank premises and equipment	(3,281)	0
Net cash provided by investing activities	1,295,819	1,431,823
Cash flows from financing activities:
Net (decrease) increase in deposits	(666,413)	335,254
Net cash (used in) provided by financing activities	(666,413)	335,254
Net increase in cash and cash equivalents	1,891,268	1,630,884
Cash and cash equivalents at beginning of period	8,438,043	11,671,253
Cash and cash equivalents at end of period	10,329,311	13,302,137
Supplemental disclosure of cash flow information:
Cash paid during the period for interest	9,796	11,472
Investments transferred to other cash equivalents	0	131,981
Loans transferred from held for sale to held at fair value	107,514	398,138
Non-cash addition of operating lease right of use asset	(1,824,729)	0
Non-cash addition of operating lease liability	$ 1,931,240	$ 0