CONSOLIDATED BALANCE SHEETS (USD $)	Dec. 31, 2013	Dec. 31, 2012
Assets:
Cash and due from banks	$ 2,340,002	$ 2,363,166
Interest-bearing deposits with banks	306,776	306,033
Federal funds sold	3,143,000	7,567,000
Cash and cash equivalents	5,789,778	10,236,199
Investment securities:
Available-for-sale, at fair value	9,579,979	1,027,293
Held-to-maturity, at amortized cost (fair value of $12,485,687 at December 31, 2012)		11,895,037
Loans held for sale, at fair value	1,645,832
Loans, net of unearned discounts and deferred fees ($446,523 at fair value at December 31, 2013)	42,710,625	41,501,555
Less allowance for loan losses	(839,133)	(1,203,942)
Net loans	41,871,492	40,297,613
Bank premises and equipment, net	649,159	562,729
Accrued interest receivable	256,262	309,971
Other real estate owned	433,087	775,407
Intangible assets	0	135,733
Prepaid expenses and other assets	525,466	375,524
Total assets	60,751,055	65,615,506
Liabilities:
Demand deposits, noninterest-bearing	14,526,988	14,324,970
Demand deposits, interest-bearing	14,131,452	15,526,344
Savings deposits	12,988,388	14,239,216
Time deposits, under $100,000	6,683,499	7,243,593
Time deposits, $100,000 and over	8,779,518	9,642,620
Total deposits	57,109,845	60,976,743
Accrued interest payable	12,722	30,500
Accrued expenses and other liabilities	418,604	368,278
Total liabilities	57,541,171	61,375,521
Commitments and Contingencies (Notes 5, 10, and 14)
Shareholders' equity:
Series A preferred stock, noncumulative, 6%, $0.01 par value, 500,000 shares authorized; 136,842 issued and outstanding	1,368	1,368
Common stock, $0.01 par value; 2,000,000 shares authorized; 876,921 issued and outstanding	8,769	8,769
Class B Non-voting common stock; 250,000 shares authorized; $0.01 par value; 191,667 issued and outstanding	1,917	1,917
Additional paid-in-capital	14,749,852	14,749,852
Accumulated deficit	(11,224,976)	(10,556,078)
Accumulated other comprehensive (loss) income (net unrealized (loss) gain on available-for-sale securities)	(327,046)	34,157
Total shareholders' equity	3,209,884	4,239,985
Total liabilities and shareholders' equity	$ 60,751,055	$ 65,615,506