CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE LOSS (Unaudited) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
Interest income:
Interest and fees on loans	$ 666,685	$ 654,573	$ 1,986,527	$ 1,974,564
Interest on investment securities	97,097	157,717	349,568	467,805
Interest on federal funds sold	3,847	6,164	12,777	13,479
Interest on time deposits with other banks	176	175	524	521
Total interest income	767,805	818,629	2,349,396	2,456,369
Interest expense:
Interest on time deposits	18,110	37,208	66,242	115,751
Interest on demand deposits	11,612	20,184	36,738	57,641
Interest on savings deposits	1,760	2,680	5,317	9,571
Total interest expense	31,482	60,072	108,297	182,963
Net interest income	736,323	758,557	2,241,099	2,273,406
Provision for loan losses	61,000	30,000	121,000	100,000
Net interest income after provision for loan losses	675,323	728,557	2,120,099	2,173,406
Noninterest income:
Customer service fees	103,435	93,319	296,326	286,654
ATM fee income	77,545	88,535	238,316	265,314
Loan syndication fees			80,000	80,000
Gain (loss) on sale of other real estate	(5,968)		(5,968)	111,291
Gain on sale of loans	69,163		69,163
Other income	15,610	16,930	55,167	68,556
Total noninterest income	259,785	198,784	733,004	811,815
Noninterest expense:
Salaries, wages and employee benefits	385,971	417,229	1,192,480	1,262,393
Occupancy and equipment	261,700	273,563	802,297	821,232
Office operations and supplies	81,453	76,585	231,576	229,167
Marketing and public relations	5,186	14,323	28,675	72,748
Professional services	104,666	56,405	256,198	199,187
Data processing	114,602	117,964	352,603	368,394
Other real estate valuation allowance	127,050		153,298	3,879
Loan and collection costs	49,451	34,642	142,429	137,485
Deposit insurance assessments	43,085	40,892	70,509	125,122
Other operating	169,180	176,792	504,979	523,421
Total noninterest expense	1,342,344	1,208,395	3,735,044	3,743,028
Net loss before income taxes	(407,236)	(281,054)	(881,941)	(757,807)
Provision for income taxes
Net loss	(407,236)	(281,054)	(881,941)	(757,807)
Net loss per common share - basic and diluted (in dollars per share)	$ (0.38)	$ (0.26)	$ (0.83)	$ (0.71)
Weighted average number of common shares (in shares)	1,065,588	1,065,588	1,065,588	1,065,588
Comprehensive Loss
Net loss	(407,236)	(281,054)	(881,941)	(757,807)
Unrealized losses on available for sale securities	(884)	(4,050)	(1,248)	(5,529)
Total comprehensive loss	$ (408,120)	$ (285,104)	$ (883,189)	$ (763,336)