CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE (LOSS) INCOME - USD ($)	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Interest income:
Interest and fees on loans	$ 539,305	$ 662,678
Interest on investment securities	44,253	47,748
Interest on federal funds sold	9,642	1,291
Interest on time deposits with other banks	119	162
Total interest income	593,319	711,879
Interest expense:
Interest on time deposits	8,504	9,955
Interest on demand deposits	6,112	6,117
Interest on savings deposits	1,418	1,472
Total interest expense	16,034	17,544
Net interest income	577,285	694,335
Credit to provision for loan losses	(35,000)	(60,000)
Net interest income after provision for loan losses	612,285	754,335
Noninterest income:
Customer service fees	85,855	96,278
ATM fee income	26,720	31,404
Gain on sale of loans	212,559	473,706
Net change in fair value of financial instruments	(72,062)	(270,574)
Loss on sale of other real estate	(2,495)	0
Other income	37,674	4,977
Total noninterest income	288,251	335,791
Noninterest expense:
Salaries, wages and employee benefits	391,940	399,013
Occupancy and equipment	238,156	252,504
Office operations and supplies	83,300	68,460
Marketing and public relations	16,395	17,852
Professional services	73,158	90,451
Data processing	108,748	97,472
Other real estate expense	13,632	(40,032)
Loan and collection costs	28,402	57,281
Deposit insurance assessments	34,200	32,200
Other operating	111,586	100,291
Total noninterest expense	1,099,517	1,075,492
Net (loss) income before income taxes	(198,981)	14,634
Provision for income taxes	0	0
Net (loss) income	$ (198,981)	$ 14,634
Net loss (income) per common share-basic and diluted	$ (0.24)	$ 0.01
Weighted average number of common shares outstanding	826,921	1,046,679
Comprehensive (loss) income:
Net (loss) income	$ (198,981)	$ 14,634
Unrealized gains on available for sale securities	63,947	57,188
Total comprehensive (loss) income	$ (135,034)	$ 71,822