CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE LOSS (Unaudited) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Interest income:
Interest and fees on loans	$ 677,703	$ 673,937	$ 1,963,866	$ 1,932,350
Interest on investment securities	57,763	59,822	177,555	213,161
Interest on federal funds sold	2,004	3,621	6,577	11,228
Interest on time deposits with other banks	166	174	3,153	578
Total interest income	737,636	737,554	2,151,151	2,157,317
Interest expense:
Interest on time deposits	10,194	10,478	29,697	38,012
Interest on demand deposits	6,806	6,507	20,157	21,396
Interest on savings deposits	1,521	1,651	4,667	5,063
Total interest expense	18,521	18,636	54,521	64,471
Net interest income	719,115	718,918	2,096,630	2,092,846
Provision for loan losses	62,000	30,000	132,000	45,137
Net interest income after provision for loan losses	657,115	688,918	1,964,630	2,047,709
Noninterest income:
Customer service fees	92,654	98,658	290,629	303,281
ATM fee income	36,002	56,144	123,249	216,301
Gain on sale of investment securities				378,248
Loan syndication fees			87,550	88,300
Gain (loss) on sale of other real estate owned	1,348	2,712	1,348	(11,168)
Gain on sale of loans	10,618		10,618
Net change in fair value of financial instruments	71,695		69,116
Other income	18,194	18,281	71,080	50,375
Total noninterest income	230,511	175,795	653,590	1,025,337
Noninterest expense:
Salaries, wages and employee benefits	394,190	395,598	1,208,180	1,144,594
Occupancy and equipment	247,361	242,853	743,864	750,897
Office operations and supplies	72,216	69,673	206,193	224,481
Marketing and public relations	10,477	22,281	47,747	56,983
Professional services	89,296	115,528	235,436	263,708
Data processing	103,327	114,664	323,198	339,243
Other real estate expense	(30,328)	17,210	6,828	184,754
Loan and collection costs	43,218	20,083	82,146	78,891
Deposit insurance assessments	34,200	32,000	106,200	106,652
Other operating	106,665	168,182	265,623	499,048
Total noninterest expense	1,070,622	1,198,072	3,225,415	3,649,251
Net loss before income taxes	$ (182,996)	$ (333,359)	$ (607,195)	$ (576,205)
Provision for income taxes
Net loss	$ (182,996)	$ (333,359)	$ (607,195)	$ (576,205)
Net loss per common share-basic and diluted	$ (0.17)	$ (0.31)	$ (0.57)	$ (0.54)
Weighted average number of common shares	1,068,588	1,068,588	1,068,588	1,068,588
Comprehensive loss:
Net loss	$ (182,996)	$ (333,359)	$ (607,195)	$ (576,205)
Unrealized gains (losses) on available for sale securities	109,208	(37,549)	240,898	(253,634)
Total comprehensive loss	$ (73,788)	$ (370,908)	$ (366,297)	$ (829,839)