CONSOLIDATED BALANCE SHEETS (Unaudited) - USD ($)		Sep. 30, 2014	Dec. 31, 2013
Assets:
Cash and due from banks		$ 1,928,494	$ 2,340,002
Interest-bearing deposits with banks		309,924	306,776
Federal funds sold		3,285,000	3,143,000
Cash and cash equivalents		5,523,418	5,789,778
Investment securities available-for-sale, at fair value		9,481,374	9,579,979
Loans held for sale		638,437	1,645,832
Loans held at fair value		613,682	446,523
Loans, net of unearned discounts and deferred fees		42,975,712	42,264,102
Less allowance for loan losses		(701,925)	(839,133)
Net loans		42,273,787	41,424,969
Bank premises and equipment, net		588,329	649,159
Accrued interest receivable		284,074	256,262
Other real estate owned		631,043	433,087
Prepaid expenses and other assets		497,702	525,466
Total assets		60,531,846	60,751,055
Liabilities:
Demand deposits, noninterest-bearing		14,842,818	14,526,988
Demand deposits, interest-bearing		15,083,108	14,131,452
Savings deposits		12,075,342	12,988,388
Time deposits, under $100,000		6,655,220	6,683,499
Time deposits, $100,000 and over		8,672,905	8,779,518
Total deposits		57,329,393	57,109,845
Accrued interest payable		15,294	12,722
Accrued expenses and other liabilities		343,572	418,604
Total liabilities		57,688,259	57,541,171
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		10,686	10,686
Additional paid-in-capital		14,749,852	14,749,852
Accumulated deficit		(11,832,171)	(11,224,976)
Accumulated other comprehensive loss		(86,148)	(327,046)
Total shareholders' equity		2,843,587	3,209,884
Total liabilities and shareholders' equity		60,531,846	60,751,055
Common Stock
Shareholders' equity:
Common stock	[1]	8,769	8,769
Class B Non-voting common stock
Shareholders' equity:
Common stock	[2]	$ 1,917	$ 1,917

[1] Common stock, $0.01 par value; 2,000,000 shares authorized; 876,921 issued and outstanding

[2] Class B Non-voting common stock; 250,000 shares authorized; $0.01 par value; 191,667 issued and outstanding