CONSOLIDATED BALANCE SHEETS - USD ($)		Dec. 31, 2014	Dec. 31, 2013
Assets:
Cash and due from banks		$ 1,919,494	$ 2,340,002
Interest-bearing deposits with banks		310,088	306,776
Federal funds sold		1,007,000	3,143,000
Cash and cash equivalents		3,236,582	5,789,778
Investment securities:
Available-for-sale, at fair value		8,539,892	9,579,979
Loans held for sale, at fair value		6,160,183	1,645,832
Loans held at fair value		628,750	446,523
Loans, net of unearned discounts and deferred fees		40,861,890	42,264,102
Less allowance for loan losses		(734,567)	(839,133)
Net loans		40,109,323	41,424,969
Bank premises and equipment, net		549,466	649,159
Accrued interest receivable		249,571	256,262
Other real estate owned		563,543	433,087
Prepaid expenses and other assets		408,956	525,466
Total assets		60,464,266	60,751,055
Liabilities:
Demand deposits, noninterest-bearing		14,984,387	14,526,988
Demand deposits, interest-bearing		13,738,476	14,131,452
Savings deposits		12,091,282	12,988,388
Time deposits, under $100,000		6,533,300	6,683,499
Time deposits, $100,000 and over		9,614,868	8,779,518
Total deposits		56,962,313	57,109,845
Accrued interest payable		16,253	12,722
Accrued expenses and other liabilities		305,060	418,604
Total liabilities		$ 57,283,626	$ 57,541,171
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		10,686	10,686
Additional paid-in-capital		14,749,852	14,749,852
Accumulated deficit		(11,568,043)	(11,224,976)
Accumulated other comprehensive loss(net unrealized loss gain on available-for-sale securities)		(13,223)	(327,046)
Total shareholders' equity		3,180,640	3,209,884
Total liabilities and shareholders' equity		60,464,266	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