CONSOLIDATED BALANCE SHEETS - USD ($)		Sep. 30, 2015	Dec. 31, 2014
Assets
Cash and due from banks		$ 2,406,637	$ 1,919,494
Interest-bearing deposits with banks		310,575	310,088
Federal funds sold		10,118,000	1,007,000
Cash and cash equivalents		12,835,212	3,236,582
Investment securities available-for-sale, at fair value		7,164,289	8,539,892
Loans held for sale		535,344	6,160,183
Loans held at fair value		2,473,475	628,750
Loans, net of unearned discounts and deferred fees		34,554,640	40,861,890
Less allowance for loan losses		(469,259)	(734,567)
Net loans		34,085,381	40,127,323
Bank premises and equipment, net		516,218	549,466
Accrued interest receivable		189,129	249,571
Other real estate owned		718,793	563,543
Prepaid expenses and other assets		627,249	408,956
Total assets		59,145,090	60,464,266
Liabilities:
Demand deposits, noninterest-bearing		14,953,410	14,984,387
Demand deposits, interest-bearing		14,738,172	13,738,476
Savings deposits		11,596,740	12,091,282
Time deposits, under $250,000		8,085,606	9,393,551
Time deposits, $250,000 and over		6,501,126	6,754,617
Total deposits		55,875,054	56,962,313
Accrued interest payable		13,228	16,253
Accrued expenses and other liabilities		345,916	305,060
Total liabilities		56,234,198	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 September 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		(11,881,049)	(11,568,043)
Accumulated other comprehensive income (loss)		30,035	(13,223)
Total shareholders' equity		2,910,892	3,180,640
Total liabilities and shareholders' equity		59,145,090	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 September 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