Consolidated Statements of Cash Flows (USD $)	12 Months Ended
	Dec. 31, 2011	Dec. 31, 2010
Operating activities
Net loss	$ (1,278,164)	$ (2,015,145)
Adjustments to reconcile net loss to net cash used by operating activities:
Provision for loan losses	659,127	485,702
Increase in deferred loan fees, net	58,459	43,257
Gains on sale of loans held for sale	(17,364)	(27,525)
Origination of loans held for sale, net	(1,576,778)	(2,248,841)
Proceeds from sale of loans held for sale	1,045,393	1,936,366
Premium amortization and discount accretion on securities, net	352,755	170,668
Securities gains, net	(340,203)	(364,278)
Depreciation and amortization expense	117,539	167,662
Stock-based compensation expense	106,603	89,285
Increase in accrued interest receivable	(62,037)	(96,785)
Decrease in accrued interest payable	(4,481)	(226)
Decrease in other assets	36,117	38,306
Increase in other liabilities	47,481	194,910
Net cash used in operating activities	(855,553)	(1,626,644)
Investing activities
Net increase in loans	(29,338,709)	(12,886,052)
Purchases of securities available for sale	(30,029,347)	(42,604,632)
Proceeds from paydowns of securities available for sale	3,705,617	2,336,434
Proceeds from sales of securities available for sale	26,306,134	28,381,870
Redemption of Federal Reserve Bank stock	62,250	68,950
Purchase of Federal Home Loan Bank stock	(183,800)
Purchases of premises and equipment	(30,431)	(37,039)
Net cash used in investing activities	(29,508,286)	(24,740,469)
Financing activities
Net increase in demand deposits, interest-bearing transaction accounts and savings accounts	13,349,269	8,267,793
Net increase in certificates of deposit	9,741,024	4,435,459
Net cash provided by financing activities	23,090,293	12,703,252
Net decrease in cash and cash equivalents	(7,273,546)	(13,663,861)
Cash and cash equivalents, beginning of period	18,593,850	32,257,711
Cash and cash equivalents, end of period	11,320,304	18,593,850
Cash paid for:
Interest on deposits and borrowings	837,498	883,486
Non-cash items:
Unrealized gains (losses) on securities available for sale (net of tax expense of $310,783 for 2011 and tax benefit of $160,485 for 2010)	$ 486,097	$ (244,006)