CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($)	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 827,378	$ 786,257
Depreciation, amortization and accretion:
Premises and equipment	96,152	97,750
Amortization of investment and loan premiums and discounts, net	102,572	169,629
Net realized gains on sales of available-for-sale securities	(101,561)	(133,216)
Provision for loan losses	30,000	30,000
Mortgage banking operations, net	(25,272)	(42,940)
Shares held by ESOP committed to be released	15,040	13,047
Stock-based compensation expense	22,232	22,232
Changes in income taxes payable	(21,290)	41,641
Changes in assets and liabilities	60,922	(170,838)
Net cash provided by operations before loan sales	1,006,173	813,562
Origination of loans for sale to secondary market	(2,239,822)	(4,300,964)
Proceeds from sales of loans to secondary market	2,697,768	3,701,856
Net cash provided by operating activities	1,464,119	214,454
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchases of investment and mortgage-backed securities	(10,323,462)	(9,188,892)
Purchases of interest-earning time deposits in banks		(1,233,000)
Maturity or call of investment securities available-for-sale	500,000	1,000,000
Sale of investment securities available-for-sale	13,864,755	14,482,743
Principal payments on mortgage-backed and investment securities	1,398,367	1,531,221
Proceeds from sales of real estate owned	29,633	47,085
Net change in loans	4,356,573	(83,890)
Additions to premises and equipment	(13,939)	(25,935)
Net cash provided by investing activities	9,811,927	6,529,332
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase (decrease) in deposits	4,627,040	(1,984,414)
Net decrease in other borrowings	(11,184,764)	(4,993,607)
Increase in advance payments by borrowers for taxes and insurance	520,588	393,868
Exercise of stock options	7,825	31,300
Stock repurchase		(31,280)
Dividends paid - common stock	(1,907,844)	(141,709)
Net cash used in financing activities	(7,937,155)	(6,725,842)
NET INCREASE IN CASH AND CASH EQUIVALENTS	3,338,891	17,944
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD	4,103,432	9,611,638
CASH AND CASH EQUIVALENTS, END OF PERIOD	7,442,323	9,629,582
Cash paid during the period for:
Interest on deposits	251,948	321,722
Interest on other borrowings	8,549	5,140
Income taxes paid	375,000	$ 250,000
NONCASH INVESTING AND FINANCING ACTIVITIES:
Real estate acquired in settlement of loans	42,400
Loans to facilitate sales of real estate owned	$ 80,000