CONSOLIDATED BALANCE SHEETS - USD ($)		Jun. 30, 2015	Dec. 31, 2014
Cash and cash equivalents
Cash and due from banks		$ 2,704,816	$ 1,919,494
Interest-bearing deposits with banks		310,411	310,088
Federal funds sold		5,307,000	1,007,000
Cash and cash equivalents		8,322,227	3,236,582
Investment securities available-for-sale, at fair value		7,466,244	8,539,892
Loans held for sale		2,924,173	6,160,183
Loans held at fair value		1,489,535	628,750
Net loans
Loans, net of unearned discounts and deferred fees		36,686,522	40,861,890
Less allowance for loan losses		(595,718)	(734,567)
Net loans		36,090,804	40,127,323
Bank premises and equipment, net		509,252	549,466
Accrued interest receivable		231,180	249,571
Other real estate owned		757,043	563,543
Prepaid expenses and other assets		586,802	408,956
Total assets		58,377,260	60,464,266
Liabilities:
Demand deposits, noninterest-bearing		15,404,464	14,984,387
Demand deposits, interest-bearing		12,993,626	13,738,476
Savings deposits		11,678,718	12,091,282
Time deposits, under $100,000		5,660,950	6,533,300
Time deposits, $100,000 and over		9,267,036	9,614,868
Total deposits		55,004,794	56,962,313
Accrued interest payable		14,154	16,253
Accrued expenses and other liabilities		302,224	305,060
Total liabilities		55,321,172	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 June 30, 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		(11,671,362)	(11,568,043)
Accumulated other comprehensive loss		(34,456)	(13,223)
Total shareholders' equity		3,056,088	3,180,640
Total liabilities and shareholders' equity		58,377,260	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 June 30, 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