CONSOLIDATED BALANCE SHEETS - USD ($)	Dec. 31, 2015	Dec. 31, 2014
Assets:
Cash and due from banks	$ 2,107,359	$ 1,919,494
Interest-bearing deposits with banks	310,739	310,088
Federal funds sold	8,364,000	1,007,000
Cash and cash equivalents	10,782,098	3,236,582
Investment securities:
Available-for-sale, at fair value	7,572,029	8,539,892
Loans held for sale, at fair value	3,260,761	6,160,183
Loans held at fair value	2,458,930	628,750
Loans and Leases Receivable, Net of Deferred Income	33,519,042	40,861,890
Less allowance for loan losses	(418,013)	(734,567)
Net loans	33,101,029	40,127,323
Bank premises and equipment, net	492,730	549,466
Accrued interest receivable	175,416	249,571
Other real estate owned	479,627	563,543
Prepaid expenses and other assets	661,618	408,956
Total assets	58,984,238	60,464,266
Liabilities:
Demand deposits, noninterest-bearing	16,417,150	14,984,387
Demand deposits, interest-bearing	13,605,888	13,738,476
Savings deposits	11,680,878	12,091,282
Time deposits, under $250,000	7,505,729	8,642,512
Time deposits, $250,000 and over	6,752,759	7,505,656
Total deposits	55,962,404	56,962,313
Accrued interest payable	9,157	16,253
Accrued expenses and other liabilities	332,915	305,060
Total liabilities	56,304,476	57,283,626
Shareholders' equity:
Series A preferred stock, noncumulative, 6%, $0.01 par value, 500,000 shares authorized; 99,342 and 136,842 issued and outstanding at December 31, 2015 and 2014, respectively	993	1,368
Common stock, $0.01 par value; 2,000,000 shares authorized;826,921 and 1,068,588 issued and outstanding at December 31, 2015 and 2014, respectively	8,269	8,769
Class B Non-voting common stock; 250,000 shares authorized; $0.01 par value;0 and 191,667 issued and outstanding at December 31, 2015 and 2014, respectively	0	1,917
Additional paid-in-capital	14,752,644	14,749,852
Accumulated deficit	(12,062,818)	(11,568,043)
Accumulated other comprehensive loss	(19,326)	(13,223)
Total shareholders' equity	2,679,762	3,180,640
Total liabilities and shareholders' equity	$ 58,984,238	$ 60,464,266