CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015
Cash flows from operating activities:
Net loss	$ (1,842)	$ (313,006)
Adjustments to reconcile net income (loss) to net cash provided by (used in) operating activities:
Credit to provision for loan losses	(50,000)	(17,000)
Amortization of premiums on investments,net	10,689	13,397
Depreciation on fixed assets	141,771	132,713
Net change in fair value of financial instruments	(252,086)	(50,104)
Gain on sale of loans	(500,358)	(380,625)
Write-up of other real estate owned	0	(88,460)
Loss (gain) on sale of other real estate owned	3,239	(1,759)
Proceeds from the sale of loans held-for-sale	5,070,979	6,433,243
Amortization of servicing asset	25,892	0
Loans originated for sale	(8,926,882)	(377,675)
Increase in accrued interest receivable and other assets	(65,147)	(157,850)
Increase in accrued interest payable and other liabilities	17,447	37,831
Net cash (used in) provided by operating activities	(4,526,301)	5,230,705
Cash flows from investing activities:
Proceeds from maturity and principal reductions of available-for-sale investment securities	5,213,099	1,405,542
Purchase of securities available-for-sale	(3,849,600)	(79)
Net decrease in loans	5,162,874	4,065,976
Purchase of bank premises and equipment	(76,584)	(99,465)
Proceeds from sale of other real estate	29,017	83,209
Net cash provided by investing activities	6,478,806	5,455,183
Cash flows from financing activities:
Net decrease in deposits	(3,134,799)	(1,087,258)
Net cash used in financing activities	(3,134,799)	(1,087,258)
Net (decrease) increase in cash and cash equivalents	(1,182,294)	9,598,630
Cash and cash equivalents at beginning of period	10,782,098	3,236,582
Cash and cash equivalents at end of period	9,599,804	12,835,212
Supplemental disclosure of cash flow information:
Cash paid during the period for interest	47,763	55,424
Noncash transfer of loans to other real estate	0	148,241
Transfer of loans from held-for-sale to held as fair value	$ 1,285,309	$ 1,844,725