CONSOLIDATED BALANCE SHEETS - USD ($)		Mar. 31, 2015	Dec. 31, 2014
Cash and cash equivalents
Cash and due from banks		$ 1,799,574	$ 1,919,494
Interest-bearing deposits with banks		310,248	310,088
Federal funds sold		3,987,000	1,007,000
Cash and cash equivalents		6,096,822	3,236,582
Available-for-sale, at fair value		7,989,693	8,539,892
Loans held for sale		2,415,969	6,160,183
Loans held at fair value		1,792,488	628,750
Loans, net of unearned discounts and deferred fees		39,189,291	40,861,890
Less allowance for loan losses		(680,263)	(734,567)
Net loans		38,509,028	40,127,323
Bank premises and equipment, net		521,627	549,466
Accrued interest receivable		249,102	249,571
Other real estate owned		707,544	563,543
Prepaid expenses and other assets		589,813	408,956
Total assets		58,872,086	60,464,266
Liabilities:
Demand deposits, noninterest-bearing		14,439,308	14,984,387
Demand deposits, interest-bearing		13,351,954	13,738,476
Savings deposits		12,143,144	12,091,282
Time deposits, under $100,000		6,061,777	6,533,300
Time deposits, $100,000 and over		9,264,817	9,614,868
Total deposits		55,261,000	56,962,313
Accrued interest payable		21,068	16,253
Accrued expenses and other liabilities		337,556	305,060
Total liabilities		55,619,624	57,283,626
Shareholders' equity:
Series A preferred stock, noncumulative, 6%, $0.01 par value, 500,000 shares authorized; 124,342 issued and outstanding at March 31, 2015 and 136,842 issued and outstanding at December 31, 2014		1,243	1,368
Common Stock		8,269	10,686
Additional paid-in-capital		14,752,394	14,749,852
Accumulated deficit		(11,553,409)	(11,568,043)
Accumulated other comprehensive income (loss)		43,965	(13,223)
Total shareholders' equity		3,252,462	3,180,640
Total liabilities and shareholders' equity		58,872,086	60,464,266
Common Stock
Shareholders' equity:
Common Stock	[1]	$ 8,269	8,769
Class B Non-voting Common Stock
Shareholders' equity:
Common Stock	[2]		$ 1,917

[1] Common stock, $0.01 par value; 2,000,000 shares authorized; 826,921 issued and outstanding at March 31, 2015 and 876,921 issued and outstanding at December 31, 2014

[2] Class B Non-voting common stock; 250,000 shares authorized; $0.01 par value; 191,667 issued and outstanding at December 31, 2014