CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Cash flows from operating activities:
Net (loss) income	$ (198,981)	$ 14,634
Adjustments to reconcile net (loss) income to net cash provided by operating activities:
Credit to provision for loan losses	(35,000)	(60,000)
Amortization of premiums on investments	3,384	4,410
Loss on disposition of other real estate	2,495	0
Amortization of servicing asset	4,562	0
Depreciation on fixed assets	45,964	44,075
Net change in fair value of financial instruments	72,062	270,574
Gain on sale of loans	(212,559)	(473,706)
Write-up of other real estate owned	0	(52,392)
Proceeds from the sale of loans held-for-sale	2,109,215	4,407,339
Loans originated for sale	(1,571,097)	(1,623,731)
Increase in accrued interest receivable and other assets	(103,754)	(123,200)
Increase in accrued interest payable and other liabilities	32,479	37,311
Net cash provided by operating activities	148,769	2,445,314
Cash flows from investing activities:
Proceeds from maturity and principal reductions of available-for-sale investment securities	824,696	545,813
Purchase of securities available-for-sale	(500,099)	(24)
Net decrease in loans	1,803,063	1,586,686
Proceeds from sale of other real estate	14,155	0
Purchase of bank premises and equipment	(24,432)	(16,236)
Net cash provided by investing activities	2,117,383	2,116,239
Cash flows from financing activities:
Net decrease in deposits	(4,379,574)	(1,701,313)
Net cash used in financing activities	(4,379,574)	(1,701,313)
Net (decrease) increase in cash and cash equivalents	(2,113,422)	2,860,240
Cash and cash equivalents at beginning of period	10,782,098	3,236,582
Cash and cash equivalents at end of period	8,668,676	6,096,822
Supplemental disclosure of cash flow information:
Cash paid during the period for interest	13,759	12,729
Noncash transfer of loans to other real estate owned	$ 0	$ 91,609