CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	3 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Cash flows from operating activities:
Net income (loss)	$ 14,634	$ (221,253)
Adjustments to reconcile net loss to net cash provided by (used in) operating activities
(Credit) provision for loan losses	(60,000)	40,000
Amortization of premiums on investments	4,410	5,614
Depreciation on fixed assets	44,075	43,910
Net change in fair value of financial instruments	270,574	604
Gain on sale of loans	(473,706)
(Write-up) Write-down of other real estate owned	(52,392)	396
Proceeds from the sale of loans held-for-sale	4,407,339
Loans originated for sale	(1,623,731)
Increase in accrued interest receivable and other assets	(123,200)	(83,953)
Increase (decrease) in accrued interest payable and other liabilities	37,311	(101,065)
Net cash provided by (used in) operating activities	2,445,314	(315,747)
Cash flows from investing activities:
Proceeds from maturity and principal reductions of available-for-sale investment securities	545,813	126,125
Purchase of securities available-for-sale	(24)
Proceeds from sale of loans		1,645,832
Net decrease (increase) in loans	1,586,686	(582,152)
Purchase of bank premises and equipment	(16,236)	(21,752)
Net cash provided by investing activities	2,116,239	1,168,054
Cash flows from financing activities:
Net decrease in deposits	(1,701,313)	(1,595,130)
Net cash used in financing activities	(1,701,313)	(1,595,130)
Net increase (decrease) in cash and cash equivalents	2,860,240	(742,824)
Cash and cash equivalents at beginning of period	3,236,582	5,789,778
Cash and cash equivalents at end of period	6,096,822	5,046,954
Supplemental disclosure of cash flow information:
Cash paid during the period for interest	12,729	$ 14,123
Noncash transfer of loans to other real estate owned	$ 91,609