CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($)	9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018
Cash flows from operating activities:
Net income (loss)	$ 1,135,869	$ (406,951)
Adjustments to reconcile net income (loss) to net cash provided by (used in) operating activities:
(Credit) provision for loan losses	(32,000)	45,000
Amortization of premiums on investments, net	4,203	5,360
Loss on disposition of other real estate	18,723	11,588
Write-down of other real estate	0	5,000
Amortization of servicing asset	24,198	91,919
Depreciation on fixed assets	60,233	137,032
Net change in fair value of financial instruments	715,621	(103,794)
Gain on sale of loans	(81,475)	(265,022)
Proceeds from the sale of loans held-for-sale	1,144,073	3,098,258
Loans originated for sale	(598,785)	(5,747,443)
Increase in accrued interest receivable and other assets	(30,074)	(115,552)
Increase (decrease) in accrued interest payable and other liabilities	28,937	(100,436)
Net cash provided by (used in) operating activities	2,389,523	(3,345,041)
Cash flows from investing activities:
Proceeds from maturity and principal reductions of available-for-sale investment securities	256,903	457,629
Purchase of securities available-for-sale	0	(1,765)
Net decrease in loans	3,150,558	3,627,344
Proceeds from sale of other real estate	137,277	217,911
Purchase of bank premises and equipment	(3,281)	(20,086)
Net cash provided by investing activities	3,541,457	4,281,031
Cash flows from financing activities:
Net decrease in deposits	(1,880,989)	(4,385,667)
Net cash used in financing activities	(1,880,990)	(4,385,667)
Net increase (decrease) in cash and cash equivalents	4,049,992	(3,449,677)
Cash and cash equivalents at beginning of period	8,438,043	11,671,253
Cash and cash equivalents at end of period	12,488,035	8,221,576
Supplemental disclosure of cash flow information:
Cash paid during the period for interest	53,903	61,390
Transfer of investment to other cash equivalents	0	133,296
Transfer of loans from held-for-sale to held at fair value	1,580,482	731,625
Non-cash addition of operating lease right of use asset	(1,644,806)	0
Non-cash addition of operating lease liability	$ 1,750,369	$ 0