CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Interest income:
Interest and fees on loans	$ 2,392,183	$ 2,685,241
Interest on investment securities	179,065	233,486
Interest on federal funds sold	15,418	8,345
Interest on time deposits with other banks	659	3,319
Total interest income	2,587,325	2,930,391
Interest expense:
Interest on time deposits	38,070	39,847
Interest on demand deposits	25,125	26,893
Interest on savings deposits	5,882	6,176
Total interest expense	69,077	72,916
Net interest income	2,518,248	2,857,475
(Credit) provision for loan losses	(68,000)	162,000
Net interest income after provision for loan losses	2,586,248	2,695,475
Noninterest income:
Customer service fees	416,480	385,633
ATM fee income	118,550	154,788
Loan syndication fee income	150,000	152,550
Net (loss) gain on sale of other real estate	(16,848)	11,321
Gain on sale of investment securities	0	6,216
Net change in fair value of financial instruments	232,797	353,035
Gain on sale of loans	410,040	228,239
Other income	85,894	85,196
Total noninterest income	1,396,913	1,376,978
Noninterest expense:
Salaries, wages and employee benefits	1,572,595	1,623,194
Occupancy and equipment	972,561	1,000,007
Office operations and supplies	308,070	282,372
Marketing and public relations	73,590	89,765
Professional services	318,774	312,954
Data processing	389,008	418,040
Loan and collection costs	255,809	147,553
Other real estate owned, net	11,303	20,600
Deposit insurance assessments	134,800	140,400
Other operating	441,426	380,635
Total noninterest expense	4,477,936	4,415,520
Net loss before income taxes	(494,775)	(343,067)
Provision for income taxes	0	0
Net loss	$ (494,775)	$ (343,067)
Net loss per common share-basic and diluted	$ (0.57)	$ (0.32)
Weighted average number of common shares	863,999	1,068,588
Comprehensive Loss
Net loss	$ (494,775)	$ (343,067)
Unrealized (losses) gains on available for sale securities	(6,103)	313,823
Total comprehensive loss	$ (500,878)	$ (29,244)