CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($)	6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018
Cash flows from operating activities:
Net income (loss)	$ 1,359,941	$ (350,072)
Adjustments to reconcile net income (loss) to net cash
(Credit) provision for loan losses	(22,000)	25,000
Amortization of premiums on investments	2,858	3,792
Loss on disposition of other real estate	18,723	11,604
Write-down of other real estate	0	5,000
Amortization of servicing asset	24,198	55,141
Depreciation on fixed assets	41,557	96,845
Net change in fair value of financial instruments	709,425	(20,516)
Gain on sale of loans	(81,475)	(223,818)
Proceeds from the sale of loans held-for-sale	1,144,073	2,412,827
Loans originated for sale, net of payments	92,938	(3,328,794)
Increase in accrued interest receivable and other assets	(30,952)	(123,798)
Decrease in accrued interest payable and other liabilities	(4,747)	(45,345)
Net cash provided by (used in) operating activities	3,254,539	(1,482,134)
Cash flows from investing activities:
Available-for-sale investment securities	159,994	360,821
Purchase of securities available-for-sale	0	(1,083)
Net decrease in loans	2,128,819	2,417,898
Proceeds from sale of other real estate	137,277	207,096
Purchase of bank premises and equipment	(3,281)	(8,033)
Net cash provided by investing activities	2,422,809	2,976,599
Cash flows from financing activities:
Net decrease in deposits	(4,697,890)	(3,080,718)
Net cash used in financing activities	(4,697,890)	(3,080,718)
Net increase (decrease) in cash and cash equivalents	979,458	(1,586,253)
Cash and cash equivalents at beginning of period	8,438,043	11,671,253
Cash and cash equivalents at end of period	9,417,501	10,085,000
Supplemental disclosure of cash flow information:
Cash paid during the period for interest	42,040	30,315
Transfer of investments to other cash equivalents	0	132,614
Transfer of loans from held for sale to held at fair value	1,475,873	538,309
Non-cash addition of operating lease right of use asset	(1,735,163)	0
Non-cash addition of operating lease liability	$ 1,841,199	$ 0