CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE LOSS (Unaudited) (USD $)	3 Months Ended
	Mar. 31, 2012	Mar. 31, 2011
Interest income:
Interest and fees on loans	$ 659,691	$ 668,281
Interest on investment securities	137,189	153,231
Interest on federal funds sold	5,592	3,244
Interest on time deposits with other banks	174	174
Total interest income	802,646	824,930
Interest expense:
Interest on time deposits	28,233	39,793
Interest on demand deposits	13,053	17,710
Interest on savings deposits	1,802	3,420
Total interest expense	43,088	60,923
Net interest income	759,558	764,007
Provision for loan losses	30,000	30,000
Net interest income after provision for loan losses	729,558	734,007
Noninterest income:
Customer service fees	97,146	97,285
ATM fee income	79,779	86,174
Other income	17,314	30,218
Total noninterest income	194,239	213,677
Noninterest expense:
Salaries, wages and employee benefits	413,537	429,738
Occupancy and equipment	274,777	270,145
Office operations and supplies	74,405	77,356
Marketing and public relations	4,649	22,792
Professional services	73,238	70,731
Data processing	126,806	126,017
Loan and collection cost	19,266	47,572
Deposit insurance assessments	1,215	42,138
Other operating	173,713	168,153
Total noninterest expense	1,161,606	1,254,642
Net loss before income taxes	(237,809)	(306,958)
Net loss	(237,809)	(306,958)
Net loss per common share-basic and diluted	$ (0.22)	$ (0.29)
Weighted average number of common shares	1,068,588	1,068,588
Comprehensive Loss
Net loss	(237,809)	(306,958)
Unrealized gains (losses) on available for sale securities	359	(2,290)
Total comprehensive loss	$ (237,450)	$ (309,248)