CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE LOSS - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Interest income:
Interest and fees on loans	$ 588,991	$ 677,703	$ 1,833,681	$ 1,963,866
Interest on investment securities	42,561	57,763	135,152	177,555
Interest on federal funds sold	4,739	2,004	8,998	6,577
Interest on time deposits with other banks	166	166	492	3,153
Total interest income	636,457	737,636	1,978,323	2,151,151
Interest expense:
Interest on time deposits	9,472	10,194	29,264	29,697
Interest on demand deposits	6,426	6,806	18,705	20,157
Interest on savings deposits	1,493	1,521	4,430	4,667
Total interest expense	17,391	18,521	52,399	54,521
Net interest income	619,066	719,115	1,925,924	2,096,630
Provision (credit) for loan losses	83,000	62,000	(17,000)	132,000
Net interest income after provision for loan losses	536,066	657,115	1,942,924	1,964,630
Noninterest income:
Customer service fees	89,368	92,654	324,920	290,629
ATM fee income	27,661	36,002	90,810	123,249
Gain on sale of loans	176,229	10,618	380,625	10,618
Gain on sale of other real estate	4,048	1,348	1,759	1,348
Net change in fair value of financial instruments	19,225	71,695	50,104	69,116
Loan syndication fees			85,000	87,550
Other income	17,245	18,194	43,854	71,080
Total noninterest income	333,776	230,511	977,072	653,590
Noninterest expense:
Salaries, wages and employee benefits	377,504	394,190	1,180,883	1,208,180
Occupancy and equipment	240,517	247,361	742,761	743,864
Office operations and supplies	76,253	72,216	226,635	206,193
Marketing and public relations	7,935	10,477	34,124	47,747
Professional services	76,977	89,296	242,392	235,436
Data processing	94,218	103,327	281,305	323,198
Other real estate expense (income)	9,999	(30,328)	(53,215)	6,828
Loan and collection costs	42,345	43,218	146,116	82,146
Deposit insurance assessments	34,200	34,200	100,600	106,200
Other operating	119,803	106,665	331,401	265,623
Total noninterest expense	1,079,751	1,070,622	3,233,002	3,225,415
Net loss before income taxes	$ (209,909)	$ (182,996)	$ (313,006)	$ (607,195)
Provision for income taxes
Net loss	$ (209,909)	$ (182,996)	$ (313,006)	$ (607,195)
Net loss per common share-basic and diluted	$ (0.25)	$ (0.17)	$ (0.32)	$ (0.57)
Weighted average number of common shares	826,921	1,068,588	986,487	1,068,588
Comprehensive loss:
Net loss	$ (209,909)	$ (182,996)	$ (313,006)	$ (607,195)
Unrealized gains on available for sale securities	64,491	109,208	43,258	240,898
Total comprehensive loss	$ (145,418)	$ (73,788)	$ (269,748)	$ (366,297)