CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE (LOSS) INCOME - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Jun. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Interest income:
Interest and fees on loans	$ 601,002	$ 588,991	$ 1,829,942	$ 1,833,681
Interest on investment securities	35,236	42,561	120,188	135,152
Interest on federal funds sold	6,059	4,739	23,286	8,998
Interest on time deposits with other banks	173	166	463	492
Total interest income	642,470	636,457	1,973,879	1,978,323
Interest expense:
Interest on time deposits	9,173	9,472	26,529	29,264
Interest on demand deposits	6,175	6,426	18,274	18,705
Interest on savings deposits	1,475	1,493	4,291	4,430
Total interest expense	16,823	17,391	49,094	52,399
Net interest income	625,647	619,066	1,924,785	1,925,924
Provision (Credit) for loan losses	(45,000)	83,000	(50,000)	(17,000)
Net interest income after provision (credit) for loan losses	670,647	536,066	1,974,785	1,942,924
Noninterest income:
Customer service fees	86,376	89,368	262,643	324,920
ATM fee income	28,141	27,661	84,155	90,810
Gain on sale of loans	188,385	176,229	500,358	380,625
Gain (loss) on sale of other real estate	0	4,048	(3,239)	1,759
Net change in fair value of financial instruments	(36,194)	19,225	252,086	50,104
Loan syndication fees	85,000	0	85,000	85,000
Other income	22,325	17,245	185,075	43,854
Total noninterest income	374,033	333,776	1,366,078	977,072
Noninterest expense:
Salaries, wages and employee benefits	391,000	377,504	1,155,616	1,180,883
Occupancy and equipment	241,950	240,517	720,587	742,761
Office operations and supplies	86,700	76,253	253,114	226,635
Marketing and public relations	9,016	7,935	36,736	34,124
Professional services	74,723	76,977	223,854	242,392
Data processing	93,025	94,218	302,320	281,305
Other real estate expense (income)	65,955	9,999	103,516	(53,215)
Loan and collection costs	39,816	42,345	98,392	146,116
Deposit insurance assessments	30,000	34,200	87,000	100,600
Other operating	130,372	119,803	361,570	331,401
Total noninterest expense	1,162,557	1,079,751	3,342,705	3,233,002
Net loss before income taxes	(117,877)	(209,909)	(1,842)	(313,006)
Provision for income taxes	0	0	0	0
Net loss	$ (117,877)	$ (209,909)	$ (1,842)	$ (313,006)
Net loss per common share - basic and diluted	$ (0.14)	$ (0.25)	$ 0.00	$ (0.32)
Weighted average number of common shares outstanding	826,921	826,921	826,921	986,487
Comprehensive loss:
Net loss	$ (117,877)	$ (209,909)	$ (1,842)	$ (313,006)
Unrealized gains on available for sale securities	59,202	64,491	85,841	43,258
Total comprehensive loss	$ (58,675)	$ (145,418)	$ 83,999	$ (269,748)