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CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)
12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Cash flows from operating activities:    
Net loss $ (668,898) $ (1,016,247)
Adjustments to reconcile net loss to net cash used in operating activities:    
Provision for loan losses 75,137 453,000
Net loss on sale of other real estate 7,528 8,273
Gain on sale of loans   (69,163)
Gain on sale of securities (378,248)  
Gain on sale of bank premises   (526,990)
Amortization of premiums on investments 58,418 117,544
Amortization of core deposit intangible 135,733 178,078
Depreciation on fixed assets 152,659 220,281
Write-down of other real estate owned 157,406 232,298
SBA loans originated for sale (1,491,873)  
Net change in fair value of financial instruments (153,959)  
Decrease in accrued interest receivable and other assets 81,671 122,372
(Decrease) increase in accrued interest payable and other liabilities 32,548 (56,769)
Net cash used in operating activities (1,991,878) (337,323)
Cash flows from investing activities:    
Purchase of available-for-sale investment securities (7,699,811)  
Purchase of held-to-maturity investment securities   (5,110,337)
Proceeds from maturity and principal reductions of available-for-sale investment securities 3,091,040 244,186
Proceeds from maturity and principal reductions of held-to-maturity investment securities   10,311,762
Proceeds from sale of available-for sale investment securities 7,731,846  
Proceeds from sale of other real estate owned 177,386 425,528
Net increase in loans (1,649,017) (841,001)
Proceeds from sale of loans   637,621
Proceeds from sale of bank premises   874,943
Purchase of bank premises and equipment (239,089) (142,793)
Net cash provided by investing activities 1,412,355 6,399,909
Cash flows from financing activities:    
Net decrease in deposits (3,866,898) (10,323,715)
Net cash used in financing activities (3,866,898) (10,323,715)
Net decrease in cash and cash equivalents (4,446,421) (4,261,130)
Cash and cash equivalents at beginning of year 10,236,199 14,497,329
Cash and cash equivalents at end of year 5,789,778 10,236,199
Supplemental disclosure of cash flow information:    
Cash paid during the year for interest 101,380 166,726
Noncash transfer of loans to other real estate owned   157,116
Noncash transfer of investment securities from held-to-maturity to available-for-sale $ 11,895,037