CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE LOSS - USD ($)	3 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Interest income:
Interest and fees on loans	$ 662,678	$ 647,286
Interest on investment securities	47,748	60,935
Interest on federal funds sold	1,291	2,337
Interest on time deposits with other banks	162	2,823
Total interest income	711,879	713,381
Interest expense:
Interest on time deposits	9,955	9,775
Interest on demand deposits	6,117	6,601
Interest on savings deposits	1,472	1,575
Total interest expense	17,544	17,951
Net interest income	694,335	695,430
(Credit) provision for loan losses	(60,000)	40,000
Net interest income after provision for loan losses	754,335	655,430
Noninterest income:
Customer service fees	96,278	95,812
ATM fee income	31,404	41,955
Gain on sale of loans	473,706
Net change in fair value of financial instruments	(270,574)
Other income	4,977	33,242
Total noninterest income	335,791	171,009
Noninterest expense:
Salaries, wages and employee benefits	399,013	417,089
Occupancy and equipment	252,504	254,525
Office operations and supplies	68,460	64,123
Marketing and public relations	17,852	18,424
Professional services	90,451	71,606
Data processing	97,472	112,842
Other real estate expense	(40,032)	12,583
Loan and collection costs	57,281	18,656
Deposit insurance assessments	32,200	34,000
Other operating	100,291	43,844
Total noninterest expense	1,075,492	1,047,692
Net income (loss) before income taxes	$ 14,634	$ (221,253)
Provision for income taxes
Net income ( loss)	$ 14,634	$ (221,253)
Net income (loss) per common share-basic and diluted	$ 0.01	$ (0.21)
Weighted average number of common shares	1,046,679	1,068,588
Comprehensive income (loss):
Net income (loss)	$ 14,634	$ (221,253)
Unrealized gains on available for sale securities	57,188	123,373
Total comprehensive income (loss)	$ 71,822	$ (97,879)