CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE LOSS (Unaudited) (USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2012	Jun. 30, 2011	Jun. 30, 2012	Jun. 30, 2011
Interest income:
Interest and fees on loans	$ 660,151	$ 651,709	$ 1,319,842	$ 1,319,991
Interest on investment securities	115,283	156,857	252,472	310,088
Interest on federal funds sold	3,338	4,071	8,930	7,315
Interest on time deposits with other banks	174	172	348	346
Total interest income	778,946	812,809	1,581,592	1,637,740
Interest expense:
Interest on time deposits	19,899	38,750	48,131	78,543
Interest on demand deposits	12,074	19,747	25,127	37,457
Interest on savings deposits	1,755	3,471	3,557	6,891
Total interest expense	33,728	61,968	76,816	122,891
Net interest income	745,218	750,841	1,504,776	1,514,849
Provision for loan losses	30,000	40,000	60,000	70,000
Net interest income after provision for loan losses	715,218	710,841	1,444,776	1,444,849
Noninterest income:
Customer service fees	95,745	96,050	192,891	193,335
ATM fee income	80,992	90,605	160,771	176,779
Loan syndication fees	80,000	80,000	80,000	80,000
Gain on sale of other real estate		111,291		111,291
Other income	22,243	21,408	39,557	51,626
Total noninterest income	278,890	399,354	473,219	613,031
Noninterest expense:
Salaries, wages and employee benefits	392,971	415,426	806,508	845,164
Occupancy and equipment	265,820	277,524	540,597	547,669
Office operations and supplies	75,718	75,226	150,123	152,582
Marketing and public relations	18,840	35,633	23,489	58,425
Professional services	78,294	72,051	151,532	142,782
Data processing	111,196	124,413	238,002	250,430
Loan and collection costs	99,961	59,200	119,227	106,772
Deposit insurance assessments	26,209	42,092	27,424	84,230
Other operating	162,085	177,414	335,798	346,577
Total noninterest expense	1,231,094	1,278,979	2,392,700	2,534,631
Net loss before income taxes	(237,465)	(168,784)	(474,705)	(476,751)
Provision for income taxes
Net loss	(236,896)	(168,784)	(474,705)	(476,751)
Net loss per common share - basic and diluted (in dollars per share)	$ (0.22)	$ (0.16)	$ (0.45)	$ (0.45)
Weighted average number of common shares (in shares)	1,065,588	1,065,588	1,065,588	1,065,588
Comprehensive Loss
Net loss	(236,896)	(168,784)	(474,705)	(476,751)
Unrealized (losses) gains on available for sale securities	(723)	812	(364)	(1,478)
Total comprehensive loss	$ (237,619)	$ (169,596)	$ (475,069)	$ (478,229)