Edgewater Bancorp (EGDW) 10-Q 14 Aug 14 2014 Q2 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information	6 Months Ended
	Jun. 30, 2014	Aug. 08, 2014
Document and Entity Information	'	'
Entity Registrant Name	'Edgewater Bancorp, Inc.	'
Entity Central Index Key	'0001584770	'
Document Type	'10-Q	'
Document Period End Date	30-Jun-14	'
Amendment Flag	'false	'
Current Fiscal Year End Date	'--12-31	'
Entity Current Reporting Status	'Yes	'
Entity Filer Category	'Smaller Reporting Company	'
Entity Common Stock, Shares Outstanding	'	667,898
Document Fiscal Year Focus	'2014	'
Document Fiscal Period Focus	'Q2	'

Condensed_Consolidated_Balance

Condensed Consolidated Balance Sheets (USD $)	Jun. 30, 2014	Dec. 31, 2013
Assets	'	'
Cash and due from banks	$777,917	$683,930
Interest-bearing demand deposits in banks	8,841,626	9,638,146
Cash and cash equivalents	9,619,543	10,322,076
Available-for-sale securities	13,415,013	15,593,540
Federal Home Loan Bank (FHLB) stock	1,408,200	1,408,200
Loans held for sale	761,491	'
Loans receivable, net of allowance for losses of $1,082,405 and $1,061,141, respectively	86,411,637	86,092,038
Premises and equipment, net	4,053,437	4,473,690
Other real estate, net	1,028,000	1,168,796
Interest receivable	301,539	312,615
Mortgage servicing rights (includes $136,280 and $148,171, respectively, carried at fair value)	464,104	513,170
Other assets	367,418	1,242,327
Total assets	117,830,382	121,126,452
Deposits	'	'
Noninterest bearing	10,250,247	12,188,446
Interest-bearing	82,921,273	95,882,580
Total deposits	93,171,520	108,071,026
Federal Home Loan Bank advances	10,000,000	'
Stock conversion proceeds in escrow	'	3,076,038
Accrued and other liabilities	999,092	690,457
Total liabilities	104,170,612	111,837,521
Commitments and contingencies	'	'
Temporary Equity	'	'
ESOP shares subject to mandatory redemption	11,151	'
Stockholders' Equity	'	'
Common Stock-shares authorized 7,000,000: shares issued and outstanding 667,898 at $.01 par value	6,679	'
Paid-in-capital	4,683,430	'
Retained earnings	9,002,293	9,424,187
Accumulated other comprehensive loss	-43,783	-135,256
Total equity	13,648,619	9,288,931
Total liabilities and stockholders' equity	$117,830,382	$121,126,452

Condensed_Consolidated_Balance1

Condensed Consolidated Balance Sheets (Parenthetical) (USD $)	Jun. 30, 2014
Condensed Consolidated Balance Sheets	'
Loans receivable, allowance for losses	$1,082,405
Mortgage servicing rights, carried at fair value	$136,280
Common stock, shares authorized	7,000,000
Common stock, shares issued	667,898
Common stock, shares outstanding	667,898
Common stock, par value (in dollars per share)	$0.01

Condensed_Consolidated_Stateme

Condensed Consolidated Statements of Operations (USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Interest Income	'	'	'	'
Loans, including fees	$970,729	$992,286	$1,936,628	$2,002,608
Debt securities	'	'	'	'
Taxable	38,035	44,968	80,258	87,227
Tax-exempt	12,171	9,880	24,351	18,312
Federal Home Loan Bank stock	13,021	12,653	32,543	25,042
Other	4,498	17,194	8,533	22,903
Total interest income	1,038,454	1,076,981	2,082,313	2,156,092
Interest Expense	'	'	'	'
Deposits	92,265	139,451	204,199	283,446
Federal Home Loan Bank advances	27,774	2,317	48,768	7,702
Total interest expense	120,039	141,768	252,967	291,148
Net interest income	918,415	935,213	1,829,346	1,864,944
Provision for loan losses	'	225,000	'	240,000
Net Interest Income After Provision for Loan Losses	918,415	710,213	1,829,346	1,624,944
Noninterest Income	'	'	'	'
Service charges, deposits	95,921	126,191	185,265	243,915
Mortgage banking activities	38,482	109,664	81,658	248,144
Other	17,480	45,815	72,592	75,544
Total noninterest income	151,883	281,670	339,515	567,603
Noninterest expense	'	'	'	'
Salaries and employee benefits	616,043	575,572	1,256,633	1,150,886
Occupancy and equipment	202,390	211,921	431,579	436,311
Data processing	135,364	154,514	274,954	315,707
Gain (loss) on sale of other real estate, net	-22,039	4,999	-14,995	8,542
Interchange	18,681	16,003	34,275	40,903
Advertising	18,851	18,516	43,388	43,175
FDIC insurance premiums	34,344	43,000	75,744	85,456
Other real estate	18,277	68,290	27,129	117,632
Professional fees	148,587	142,433	281,761	246,557
Insurance	18,354	20,574	41,902	40,876
Other	56,914	107,479	138,385	204,206
Total noninterest expense	1,245,766	1,363,301	2,590,755	2,690,251
Net Loss Before Income Taxes	-175,468	-371,418	-421,894	-497,704
Net Loss	($175,468)	($371,418)	($421,894)	($497,704)
Basic and Diluted Earnings (Loss) Per Share (in dollars per share)	($0.29)	'	($0.75)	'

Condensed_Consolidated_Stateme1

Condensed Consolidated Statements of Comprehensive Income Loss (USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Condensed Consolidated Statements of Comprehensive Income Loss	'	'	'	'
Net Loss	($175,468)	($371,418)	($421,894)	($497,704)
Other Comprehensive Income (Loss)	'	'	'	'
Net change in unrealized gains (losses) on investment securities available-for-sale	35,066	193,779	91,473	-263,089
Other comprehensive income (loss) before income tax	35,066	193,779	91,473	-263,089
Comprehensive Loss	($140,402)	($177,639)	($330,421)	($760,793)

Condensed_Consolidated_Stateme2

Condensed Consolidated Statements of Comprehensive Income Loss (Parenthetical) (USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Condensed Consolidated Statements of Comprehensive Income Loss	'	'	'	'
Tax expense (benefit),deferred tax asset valuation impact	$11,922	$65,885	$31,101	($89,450)

Condensed_Consolidated_Stateme3

Condensed Consolidated Statement of Changes in Stockholders' Equity (USD $)	Common Stock [Member]	Additional Paid In Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income [Member]	Total
Balance at Dec. 31, 2013	'	'	$9,424,187	($135,256)	$9,288,931
Balance (in shares) at Dec. 31, 2013	'	'	'	'	667,898
Increase (Decrease) in Equity	'	'	'	'	'
Issuance of common stock, net of offering costs	6,679	4,683,430	'	'	4,690,109
Issuance of common stock, net of offering costs (in shares)	667,898	'	'	'	'
Net Loss	'	'	-421,894	'	-421,894
Other comprehensive income (loss)	'	'	'	91,473	91,473
Balance at Jun. 30, 2014	$6,679	$4,683,430	$9,002,293	($43,783)	$13,648,619
Balance (in shares) at Jun. 30, 2014	667,898	'	'	'	667,898

Condensed_Consolidated_Stateme4

Condensed Consolidated Statements of Cash Flows (USD $)	6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013
Operating activities:	'	'
Net Loss	($421,894)	($497,704)
Items not requiring cash:	'	'
Depreciation	237,123	256,472
Provision for loan losses	'	240,000
Amortization of premiums on securities	62,541	83,024
Change in fair value of mortgage servicing rights	11,892	55,082
Loss (gain) on sale of other real estate	-14,995	8,542
ESOP shares earned	11,151	'
Amortization of mortgage servicing rights	52,116	42,547
Loans originated for sale	-2,515,531	-9,778,520
Proceeds from loan sold	1,771,362	10,624,637
Gain on sale of loans	-32,264	-249,664
Loss (gain) on sale of premises and equipment	1,215	-1,000
Net change in:	'	'
Interest receivable and other assets	132,022	52,735
Interest payable and other liabilities	308,635	256,916
Net cash provided by (used in) operating activities	-396,627	1,093,067
Investing activities:	'	'
Purchases of available-for-sale securities	'	-4,894,274
Proceeds from calls and maturities of available-for-sale securities	2,207,459	1,372,078
Net change in loans	-526,599	3,911,785
Proceeds from sale of other real estate	362,792	2,185,573
Payment for sale of branch, net	-13,112,513	'
Proceeds from sale of premises and equipment	6,538	211,000
Purchases of premises and equipment	-39,623	-132,812
Net cash provided by (used in) investing activities	-11,101,946	2,653,350
Financing activities:	'	'
Proceeds from stock conversion	2,368,033	'
Net change in deposits	-1,571,993	1,370,856
Proceeds from Federal Home Loan Bank advances	10,000,000	'
Repayment of Federal Home Loan Bank advances	'	-4,000,000
Net cash provided by (used in) financing activities	10,796,040	-2,629,144
Net Change in Cash and Cash Equivalents	-702,533	1,117,273
Cash and Cash Equivalents, Beginning of Period	10,322,076	9,022,796
Cash and Cash Equivalents, End of Period	9,619,543	10,140,069
Additional Cash Flows Information:	'	'
Interest paid	217,341	231,030
Loans transferred to other real estate	207,000	365,296
Capitalization of mortgage serving rights	$14,942	$86,547

Nature_of_Operations_and_Conve

Nature of Operations and Conversion	6 Months Ended
	Jun. 30, 2014
Nature of Operations and Conversion	'
Nature of Operations and Conversion	'
	Note 1:  Nature of Operation and Conversion
	Edgewater Bank, a federally chartered mutual savings association (the “Bank”) is primarily engaged in providing a full range of banking and financial services to individual and corporate customers in the Berrien, Van Buren and to a lesser extent Cass Counties, Michigan.  The Bank is subject to competition from other financial institutions.  The Bank is subject to the regulation of the certain federal and state agencies and undergoes periodic examinations by those regulatory authorities.
	The Banks’s wholly-owned subsidiaries, Explorer Financial Service Corporation (EFSC) and Edgewater Insurance Agency, Inc. (EIA) are included in the consolidated financial statements.  EFSC is primarily engaged in providing title insurance services and EIA is used to collect premiums and receive commissions for insurance related benefits the Bank offers its employees.
	On January 16, 2014, in accordance with a Plan of Conversion and Reorganization, the Bank completed a mutual—to-stock conversion pursuant to which the Bank became the wholly owned subsidiary of Edgewater Bancorp, Inc. (the “Conversion”), a Maryland stock holding corporation.  In connection with the Conversion, the Company sold 667,898 shares of common stock, at an offering price of $10 per share.  The Company’s stock began being quoted on the OTC Bulletin Board on January 17, 2014 under the symbol “EGDW,” and is currently quoted on the OTCQB operated by OTC Markets Group, Inc. under the symbol “EGDW.”
	The net proceeds from the stock offering, net of offering costs of $1,451,000, amounted to $4,694,000.
	Also, in connection with the Conversion, the Bank established an employee stock ownership plan (the “ESOP”), which purchased 53,431 shares of the Company’s common stock at a price of $10 per share.
	In accordance with the OCC regulations, at the time of the Conversion of the mutual bank to a stock holding company, the Company was required to substantially restrict retained earnings by establishing a liquidation account and the Bank established a parallel liquidation account.  The liquidation account will be maintained for the benefit of eligible holders who continue to maintain their accounts at the Bank after conversion.  The liquidation account will be reduced annually to the extent that eligible account holders have reduced their qualifying deposits.  Subsequent increases will not restore an eligible account holders’ interest in the liquidation account.  In the event of a complete liquidation of the Bank, and only in such event, each account holder will be entitled to receive a distribution from the liquidation account in an amount proportionate to the adjusted qualifying account balances then held.  The Bank may not pay dividends if those dividends would reduce equity capital below the required liquidation account amount.  All information as of and for the period ended June 30, 2013 is Bank only pre-conversion data.

Basis_of_Presentation

Basis of Presentation	6 Months Ended
	Jun. 30, 2014
Basis of Presentation	'
Basis of Presentation	'
	Note 2:  Basis of Presentation
	The accompanying condensed consolidated financial statements were prepared in accordance with instructions for Form 10-Q and Rule 10-01 of Regulation S-X and, therefore, certain information or footnotes necessary for a complete presentation of financial position, results of operations, and cash flows in conformity with U.S. generally accepted accounting principles (GAAP) for interim financial information have been condensed or omitted pursuant to such rules and regulations.  The preparation of financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the financial statements and the reported amounts of revenues and expenses during the reporting period.  Estimates used in the preparation of the financial statements are based on various factors including the current interest rate environment and the general strength of the local economy.  Changes in the overall interest rate environment can significantly affect the Company’s net interest income and the value of its recorded assets and liabilities.  Actual results could differ from those estimates used in the preparation of the financial statements.  However, in the opinion of management, all adjustments (consisting of only normal recurring accruals) which are necessary for a fair presentation of the financial statements have been included.  The results of operations for the six-month period ended June 30, 2014, are not necessarily indicative of the results which may be expected for the entire year.  Accordingly, these financial statements should be read in conjunction with the audited consolidated financial statements and notes thereto of the Company as of December 31, 2013 included in Edgewater Bancorp, Inc.’s Annual Report on Form 10-K for the year ended December 31, 2013.

Principles_of_Consolidation

Principles of Consolidation	6 Months Ended
	Jun. 30, 2014
Principles of Consolidation	'
Principles of Consolidation	'
	Note 3:  Principles of Consolidation
	The consolidated financial statements include the accounts of the Edgewater Bancorp, Inc. and its wholly owned subsidiary, Edgewater Bank.  All significant intercompany accounts and transactions have been eliminated in consolidation.

Investment_Securities

Investment Securities	6 Months Ended
	Jun. 30, 2014
Investment Securities	'
Investment Securities	'
	Note 4:  Investment Securities
	The amortized cost and approximate fair values of investment securities are as follows:
		June 30, 2014
				Gross		Gross
		Amortized		Unrealized		Unrealized		Fair
		Cost		Gains		Losses		Value
		(Unaudited)
	Available-for-sale securities:
	U.S. Government and federal agency	$	5,027,080	$	3,674	$	93,849	$	4,936,905
	State and political subdivisions	3,356,935		21,154		16,063		3,362,026
	Mortgage-backed -GSE residential	3,792,196		28,539		6,879		3,813,856
	Collateralized mortgage obligations-GSE	1,282,586		19,640		—		1,302,226
	Total available-for-sale securities	$	13,458,797	$	73,007	$	116,791	$	13,415,013
		December 31, 2013
				Gross		Gross
		Amortized		Unrealized		Unrealized		Fair
		Cost		Gains		Losses		Value
	Available-for-sale securities:
	U.S. Government and federal agency	$	6,557,658	$	9,682	$	126,202	$	6,441,138
	State and political subdivisions	3,359,021		18,008		39,304		3,337,725
	Mortgage-backed -GSE residential	4,224,511		36,873		30,254		4,231,130
	Collateralized mortgage obligations-GSE	1,587,606		9,908		13,967		1,583,547
	Total available-for-sale securities	$	15,728,796	$	74,471	$	209,727	$	15,593,540
	The amortized cost and fair value of investment securities at June 30, 2014, by contractual maturity, are shown below.  Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties.
		June 30, 2014				December 31, 2013
		Amortized		Fair		Amortized		Fair
		Cost		Value		Cost		Value
		(Unaudited)
	Within one year	$	295,000	$	295,421	$	1,506,265	$	1,513,109
	After one through five years	8,089,015		8,003,510		8,410,414		8,265,754
	After five through ten years	—		—		—		—
	After ten years	—		—		—		—
		8,384,015		8,298,931		9,916,679		9,778,863
	Mortgage-backed - GSE residential	3,792,196		3,813,856		4,224,511		4,231,130
	Collateralized debt obligations	1,282,586		1,302,226		1,587,606		1,583,547
		$	13,458,797	$	13,415,013	$	15,728,796	$	15,593,540
	The carrying value of investment securities pledged as collateral, to secure public deposits and for other purposes was $400,779 at June 30, 2014 (unaudited) and $459,263 at December 31, 2013.
	For the period ended June 30, 2014 and June 30, 2013, there were no sales of securities available-for-sale.
	Certain investments in debt securities have fair values at an amount less than their historical cost.  Total fair value of these investments at June 30, 2014 (unaudited) and December 31, 2013 was $6,977,473 and $10,024,662, which is approximately 46% and 64%, respectively, of the Company’s investment portfolio.  These declines primarily resulted from increases in market interest rates since the securities were purchased.
	Based on evaluation of available evidence, including recent changes in market interest rates, credit rating information and information obtained from regulatory filings, management believes the declines in fair value for these investment securities are temporary.
	Should the impairment of any of these investment securities become other than temporary, the cost basis of the investment will be reduced and the resulting loss recognized in net income in the period the other-than-temporary impairment is identified.
	Investment securities with unrealized losses were as follows:
		June 30, 2014
		Less than 12 Months				12 Months or Longer				Total
				Gross				Gross				Gross
		Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
		Value		Losses		Value		Losses		Value		Losses
		(Unaudited)
	Available-for-sale securities:
	U.S. Government and federal agency	$	959,555	$	1,114	$	3,472,604	$	92,735	$	4,432,159	$	93,849
	State and political subdivisions			—		883,937		16,063		883,937		16,063
	Mortgage-backed -GSE residential	1,661,377		6,879		—		—		1,661,377		6,879
		$	2,620,932	$	7,993	$	4,356,541	$	108,798	$	6,977,473	$	116,791
		December 31, 2013
		Less than 12 Months				12 Months or Longer				Total
				Gross				Gross				Gross
		Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
		Value		Losses		Value		Losses		Value		Losses
	Available-for-sale securities:
	U.S. Government and federal agency	$	4,423,805	$	126,202	$	—	$	—	$	4,423,805	$	126,202
	State and political subdivisions	2,015,891		39,304		—		—		2,015,891		39,304
	Mortgage-backed -GSE residential	2,948,777		30,254		—		—		2,948,777		30,254
	Collateralized mortgage obligations-GSE	636,189		13,967		—		—		636,189		13,967
	$	10,024,662	$	209,727	$	—	$	—	$	10,024,662	$	209,727
The unrealized losses on the Company’s investments in direct obligations of U.S. Government and federal agencies, state and political subdivisions and mortgage-backed GSE residential securities were caused by market interest rate increases.  The contractual terms of those investments do not permit the issuer to settle the securities at a price less than the amortized cost bases of the investments.  Because the Company does not intend to sell the investments and it is not more likely than not the Company will be required to sell the investments before recovery of their amortized cost bases, which may be maturity, the Company does not consider those investments to be other-than-temporarily impaired at June 30, 2014, and December 31, 2013.

Loans_and_Allowance

Loans and Allowance	6 Months Ended
	Jun. 30, 2014
Loans and Allowance	'
Loans and Allowance	'
	Note 5:  Loans and Allowance
	The Company’s loan and allowance policies are as follows:
	Loans Receivable
	Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoffs are reported at their outstanding principal balances adjusted for unearned income, charge-offs, the allowance for loan losses, any unamortized deferred fees or costs on originated loans and unamortized premiums or discounts on purchased loans.
	For loans amortized at cost, interest income is accrued based on the unpaid principal balance.  Loan origination fees, net of certain direct origination costs, as well as premiums and discounts, are deferred and amortized as a level yield adjustment over the respective term of the loan.
	The accrual of interest on loans is discontinued at the time the loan is 90 days past due unless the credit is well-secured and in process of collection.  Past-due status is based on contractual terms of the loan.  In all cases, loans are placed on nonaccrual or charged off at an earlier date if collection of principal or interest is considered doubtful.  There were no changes in the Company’s nonaccrual policy during the three and six month-end periods ended June 30, 2014 (unaudited) and June 30, 2013 (unaudited).
	All interest accrued but not collected for loans that are placed on nonaccrual or charged off are reversed against interest income.  The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual.  Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.
	For all loan portfolio segments, the Company promptly charges off loans, or portions thereof, when available information confirms that specific loans are uncollectible based on information that includes, but is not limited to, (1) the deteriorating financial condition of the borrower, (2) declining collateral values, and/or (3) legal action, including bankruptcy, that impairs the borrower’s ability to adequately meet its obligations.  For impaired loans that are considered to be solely collateral dependent, a partial charge-off is recorded when a loss has been confirmed by an updated appraisal or other appropriate valuation of the collateral.
	When cash payments are received on impaired loans in each loan class, the Company records the payment as interest income unless collection of the remaining recorded principal amount is doubtful, at which time payments are used to reduce the principal balance of the loan.  Troubled debt restructured loans recognize interest income on an accrual basis at the renegotiated rate if the loan is in compliance with the modified terms.
	Allowance for Loan Losses
	The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to income.  Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed.  Subsequent recoveries, if any, are credited to the allowance.
	The allowance for loan losses is evaluated on a regular basis by management and is based upon management’s periodic review of the collectibility of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions.  This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.
	The allowance consists of allocated and general components.  The allocated component relates to loans that are classified as impaired.  For those loans that are classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan.  The general component covers nonclassified loans and is based on historical charge-off experience and expected loss given default derived from the Company’s internal risk rating process.  Other adjustments may be made to the allowance for pools of loans after an assessment of internal or external influences on credit quality that are not fully reflected in the historical loss or risk rating data.
	A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement.  Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due.  Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired.  Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed.  Impairment is measured on a loan-by-loan basis for commercial and construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price or the fair value of the collateral if the loan is collateral dependent.
	Groups of loans with similar risk characteristics are collectively evaluated for impairment based on the group’s historical loss experience adjusted for changes in trends, conditions and other relevant factors that affect repayment of the loans.  Accordingly, the Company does not separately identify individual consumer and residential loans for impairment measurements, unless such loans are the subject of a restructuring agreement due to financial difficulties of the borrower.
	Categories of loans receivable include:
		June 30			December 31,
		2014			2013
		(Unaudited)
	Real estate loans:
	Residential 1-4 family	$	44,744,724		$	43,612,578
	Commercial	25,687,500			24,705,387
	Construction and land	907,987			1,618,445
	Total real estate	71,340,211			69,936,410
	Commercial and industrial	4,871,938			5,524,011
	Consumer loans:
	Home equity loans and lines of credit	10,444,882			10,984,782
	Other consumer loans	818,610			672,560
	Total consumer	11,263,492			11,657,342
	Gross loans	87,475,641			87,117,763
	Less
	Net deferred loan costs	(18,401		)	(35,416		)
	Allowance for loan losses	1,082,405			1,061,141
	Net loans	$	86,411,637		$	86,092,038
	The risk characteristics of each loan portfolio segment are as follows:
	Residential 1-4 Family, Home Equity Loans and Lines of Credit and Other Consumer:  The residential 1-4 family real estate loans are generally secured by owner-occupied 1-4 family residences. Home equity loans and lines of credit are typically secured by a subordinate interest in 1-4 family residences and consumer loans are secured by consumer assets such as automobiles and other personal property.   Repayment of these loans is primarily dependent on the personal income and credit rating of the borrowers.  Credit risk in these loans can be impacted by economic conditions within the Bank’s market areas that might impact either property values or a borrower’s personal income.  Risk is mitigated by the fact that the loans are of smaller individual amounts and spread over a large number of borrowers.
	Commercial Real Estate including Construction and Land:  Commercial real estate loans typically involve larger principal amounts, and repayment of these loans is generally dependent on the successful operations of the property securing the loan or the business conducted on the property securing the loan.  These loans are viewed primarily as cash flow loans and secondarily as loans secured by real estate.  Construction and land real estate loans are usually based upon estimates of costs and estimated value of the completed project and include independent appraisal reviews and a financial analysis of the developers and property owners.  Sources of repayment of these loans may include permanent loans, sales of developed property or an interim loan commitment from the Bank until permanent financing is obtained.  These loans are considered to be higher risk than other real estate loans due to their ultimate repayment being sensitive to interest rate changes, general economic conditions and the availability of long-term financing.  Credit risk in these loans may be impacted by the creditworthiness of a borrower, property values and the local economies in the Company’s market areas.
	Commercial and Industrial:  The commercial and industrial portfolio includes loans to commercial customers for use in financing working capital needs, equipment purchases and expansions.  The loans in this category are repaid primarily from the cash flow of a borrower’s principal business operation.  Credit risk in these loans is driven by creditworthiness of a borrower and the economic conditions that impact the cash flow stability from business operations.
	The following presents by portfolio segment, the activity in the allowance for loan losses:
		Residential			Commercial			Commercial
		1-4 Family			Real Estate			and Industrial			Consumer			Total
		(Unaudited)
	Three Months Ended June 30, 2014:
	Balance, beginning of period	$	221,963		$	578,929		$	157,510		$	173,209		$	1,131,611
	Provision (credit) for loan losses	9,981			(23,566		)	(26,291		)	39,876			—
	Loans charged to the allowance	—			—			—			(50,116		)	(50,116		)
	Recoveries of loans previously charged off	310			600			—			—			910
	Balance, end of period	$	232,254		$	555,963		$	131,219		$	162,969		$	1,082,405
	Six Months Ended June 30, 2014:
	Balance, beginning of period	$	188,325		$	587,331		$	138,268		$	147,217		$	1,061,141
	Provision (credit) for loan losses	62,303			(120,722		)	(7,049		)	65,468			—
	Loans charged to the allowance	(20,984		)	—			—			(50,116		)	(71,100		)
	Recoveries of loans previously charged off	2,610			89,354			—			400			92,364
	Balance, end of period	$	232,254		$	555,963		$	131,219		$	162,969		$	1,082,405
		Residential			Commercial			Commercial
		1-4 Family			Real Estate			and Industrial			Consumer			Total
		(Unaudited)
	Three Months Ended June 30, 2013:
	Balance, beginning of period	$	202,813		$	1,119,815		$	29,298		$	147,696		$	1,499,622
	Provision (credit) for loan losses	47,216			(43,850		)	188,314			33,320			225,000
	Loans charged to the allowance	(123,377		)	(244,763		)	—			(64,611		)	(432,751		)
	Recoveries of loans previously charged off	300			—			—			275			575
	Balance, end of period	$	126,952		$	831,202		$	217,612		$	116,680		$	1,292,446
Six Months Ended June 30, 2013:
Balance, beginning of period	$	243,867		$	1,089,654		$	32,663		$	137,985		$	1,504,169
Provision (credit) for loan losses	5,862			(13,689		)	184,949			62,878			240,000
Loans charged to the allowance	(123,377		)	(244,763		)	—			(84,758		)	(452,898		)
Recoveries of loans previously charged off	600			—			—			575			1,175
Balance, end of period	$	126,952		$	831,202		$	217,612		$	116,680		$	1,292,446
The following presents the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method as of June 30, 2014 and December 31, 2013:
	Residential			Commercial			Commercial
	1-4 Family			Real Estate			and Industrial			Consumer			Total
	(Unaudited)
At June 30, 2014:
Allowance:
Balance, end of period	$	232,254		$	555,963		$	131,219		$	162,969		$	1,082,405
Ending balance: individually evaluated for impairment	$	8,860		$	464		$	—		$	1,623		$	10,947
Ending balance: collectively evaluated for impairment	$	223,394		$	555,499		$	131,219		$	161,346		$	1,071,458
Loans:
Ending balance	$	44,744,724		$	26,595,487		$	4,871,938		$	11,263,492		$	87,475,641
Ending balance individually evaluated for impairment	$	2,372,630		$	1,491,408		$	164,021		$	242,874		$	4,270,933
Ending balance collectively evaluated for impairment	$	42,372,094		$	25,104,079		$	4,707,917		$	11,020,618		$	83,209,708
	Residential			Commercial			Commercial
	1-4 Family			Real Estate			and Industrial			Consumer			Total
At December 31, 2013:
Allowance:
Balance, end of period	$	188,325		$	587,331		$	138,268		$	147,217		$	1,061,141
Ending balance: individually evaluated for impairment	$	16,704		$	3,447		$	—		$	2,328		$	22,479
Ending balance: collectively evaluated for impairment	$	171,621		$	583,884		$	138,268		$	144,889		$	1,038,662
Loans:
Ending balance	$	43,612,578		$	26,323,832		$	5,524,011		$	11,657,342		$	87,117,763
Ending balance individually evaluated for impairment	$	3,245,415		$	1,777,437		$	—		$	237,558		$	5,260,410
Ending balance collectively evaluated for impairment	$	40,367,163		$	24,546,395		$	5,524,011		$	11,419,784		$	81,857,353
Internal Risk Categories
In adherence with policy, the Bank uses the following internal risk grading categories and definitions for loans:
RISK RATING 1 — EXCELLENT
General:  The highest quality asset rating reflects superior, in-depth management, and superior financial flexibility.  Conservative balance sheets are both strong and liquid, and historic cash flows (last five years) have provided exceptionally large and stable margins of protection.
Specific:  Financial statements are current, audited, of superior quality and in complete detail.  Financial condition is superior and compares favorably to the industry average.  Cash flow is outstanding relative to historical and projected debt service requirements.  The borrower adheres to all loan covenants.  Management (or individual) integrity and ability are outstanding.
RISK RATING 2 — STRONG
General:  The borrower is fully responsible for the credit.  Asset quality and liquidity are very good, and debt capacity and coverage are strong.  The company has strong management in all positions, and is highly regarded with excellent financial flexibility including access to other sources of financing.
Specific:  Financial statements are current, of excellent quality and in adequate detail.  Financial condition is very good and compares favorably to the industry average.  Statements reflect a stable record of earnings over time and consistent profitability.  Cash flow is strong relative to historical and projected debt service requirements.  The borrower consistently adheres to the repayment schedules for both principal and interest.  The borrower adheres to all loan covenants.  Management (or individual) integrity and ability are outstanding.
RISK RATING 3 — ACCEPTABLE
General:  Asset quality and liquidity are strong, and debt capacity and coverage are good to above average.  General financial trends are stable to favorable and financial and profitability ratios are consistent with industry peers.  Management strength is apparent but may be limited to key positions.  The industry is average.  Some elements of uncertainty may be present due to liquidity, margin and cash flow stability, asset of customer concentrations, dependence on one business type, or cyclical trends that may affect the borrower.  Adverse economic conditions may lead to declining trends.
Specific:  The financial statements are generally current, of adequate detail, and of average quality.  Publication of statements is at least once annually.  Financial condition is average relative to the industry.  The earnings record is satisfactory, although year-to-year earnings patterns may fluctuate more than for borrowers rated Excellent (1) or Strong (2).  Cash flow may vary during the repayment of the loan but does not fall below debt service requirements.  Historical profitability may be inconsistent and may have losses in recent years.  Liquidity and leverage may be below the industry average, and the borrower may be highly leveraged.  The borrower consistently adheres to repayment schedules for both principal and interest, and adheres to all loan covenants.  Any waivers are immaterial, and do not negatively impact the strength of the credit.  Management (or individual) integrity and ability are sound.  Depth and breadth of management is also sound.
RISK RATING 4 — WATCH
General:  Loans in this category are considered to be acceptable credit quality, but contain greater credit risk than Risk Rating 3 loans due to weak balance sheets, marginal earnings or cash flow, lack of financial information, weakening markets, insufficient or questionable collateral coverage, or other uncertainties.  These loans warrant a higher than average level of monitoring to ensure that potential weaknesses do not emerge.  The level of risk in a Watch loan is within acceptable underwriting guidelines so long as the loan is given the proper level of management supervision.
Specific:  The financial statements may be missing, outdated, of poor quality, or lacking in important details.  Financial condition is below the industry average.  The borrower may be experiencing negative trends and/or erratic or unstable financial performance.  The borrower may have suffered a loss in a recent period; however, losses have not been of the magnitude to have adversely affected the balance sheet.  The borrower generally adheres to repayment schedules for principal and consistently for interest.  Cash flow from primary sources has generally been adequate but, if existing trends continue may not be adequate to meet projected debt service requirements in the future.  The borrower may have violated one or more financial or other covenants, but such has not materially impacted financial condition or performance.  Industry outlook may be unfavorable.  The integrity and quality of management remains good; however, management depth may be limited.
RISK RATING 5 — SPECIAL MENTION
General:  Assets in this category have potential weaknesses that deserve the Bank’s close attention.  If potential weaknesses are left unchecked or uncorrected, they may result in deterioration of the repayment prospects for the asset or inadequately protect the Bank’s credit position at some future date.  These assets pose elevated risk, but their weakness does not expose the Bank to sufficient risk to warrant adverse classification.
Specific:  Borrowers may be experiencing adverse operating trends (declining revenues or margins) or an ill-proportioned balance sheet (increasing inventory without an increase in sales, high leverage, tight liquidity).  Adverse economic or market conditions, such as interest rate increases or the entry of a new competitor, may also support a Special Mention (5) rating.  Nonfinancial reasons for rating a credit Special Mention (5) include management problems, pending litigation, an ineffective loan agreement or other material structural weaknesses, and any other significant deviation from prudent lending practices.
RISK RATING 6 — SUBSTANDARD
General:  Assets in this category are inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any.  These assets have a well-defined weakness or weaknesses that jeopardize the timely liquidation of the debt.  They are characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected.
Specific:  Substandard assets have a high probability of payment default, or they have other well-defined weaknesses.  The financial statements may be missing, seriously outdated, of poor quality, or lacking in important details.  Financial condition is less than satisfactory.  The borrower is experiencing negative trends and material losses.  The primary source of cash flow is inadequate to meet current debt service requirements, and unless present conditions improve is potentially inadequate to meet projected debt service requirements.  The borrower may have reached the point of employing its secondary source of cash flow.  The borrower inconsistently adheres to repayment schedules for either principal or interest.  The borrower may have violated one or more financial or other covenants, reflecting unsatisfactory liquidity and/or capitalization.  Either the integrity or the ability of management may be in question.  For some Substandard (6) assets, the likelihood of full collection of interest and principal may be in doubt; such assets should be placed on nonaccrual.
RISK RATING 7 — DOUBTFUL
General:  Assets in this category have all the weaknesses inherent in one classified substandard with the added characteristic that the weaknesses make collection or liquidation in full on the basis of currently existing facts, conditions, and values, highly questionable and improbable.
Specific:  An asset in this category has a high probability of total or substantial loss, but because of specific pending events that may strengthen the asset, its classification as loss is deferred.  Doubtful borrowers are usually in default, lack adequate liquidity and capital, and lack the resources necessary to remain an operating entity.  Pending events can include mergers, acquisitions, liquidations, capital injections, the perfection of liens on additional collateral, the valuation of collateral and refinancing.  Generally, pending events should be resolved within a relatively short period and the ratings will be adjusted based on new information.  Because of high probability of loss, nonaccrual accounting treatment is required for Doubtful (7) assets.
RISK RATING 8 — LOSS
General:  Assets in this category are considered uncollectible and of such little value that their continuance as bankable assets is not warranted.  This classification does not mean that the asset has absolutely no recovery or salvage value, but rather that it is not practical or desirable to defer writing off this basically worthless asset even though partial recovery may be obtained in the future.
Specific:  With Loss (8) assets, the underlying borrowers are often in bankruptcy, have formally suspended debt repayments, or have otherwise ceased normal business operations.  Once an asset is classified Loss (8), there is little prospect of collecting either its principal or interest.  Losses are to be recorded in the period an obligation becomes uncollectable.
The following tables present the credit risk profile of the Company’s loan portfolio based on rating category and payment activity at June 30, 2014:
	Residential			Commercial			Construction			Commercial
	1-4 Family			Real Estate			and Land			and Industrial			Home Equity			Consumer		Total
	(Unaudited)
Pass (1-4)	$	44,354,966		$	23,602,334		$	720,303		$	4,871,938		$	10,354,522		$	818,610	$	84,722,673
Special Mention (5)	—			47,738			—			—			—			—		47,738
Substandard (6)	389,758			2,037,428			187,684			—			90,360			—		2,705,230
Doubtful (7)	—			—			—			—			—			—		—
Loss (8)	—			—			—			—			—			—		—
Total	$	44,744,724		$	25,687,500		$	907,987		$	4,871,938		$	10,444,882		$	818,610	$	87,475,641
The following tables present the credit risk profile of the Company’s loan portfolio based on rating category and payment activity at December 31, 2013:
	Residential			Commercial			Construction			Commercial
	1-4 Family			Real Estate			and Land			and Industrial			Home Equity			Consumer		Total
Pass (1-4)	$	42,899,910		$	21,414,636		$	1,341,806		$	5,059,361		$	10,828,478		$	672,560	$	82,216,751
Special Mention (5)	—			798,627			250,000			—			—			—		1,048,627
Substandard (6)	712,668			2,492,124			26,639			464,650			156,304			—		3,852,385
Doubtful (7)	—			—			—			—			—			—		—
Loss (8)	—			—			—			—			—			—		—
Total	$	43,612,578		$	24,705,387		$	1,618,445		$	5,524,011		$	10,984,782		$	672,560	$	87,117,763
The following tables present the Company’s loan portfolio aging analysis at June 30, 2014:
																		Total Loans >
	30-59 Days			60-89 Days			Greater Than			Total						Total		90 Days &
	Past Due			Past Due			90 Days			Past Due			Current			Loans		Accruimg
	(Unaudited)
Residential 1-4 family	$	918,318		$	527,996		$	389,758		$	1,836,072		$	42,908,652		$	44,744,724	$	—
Commercial real estate	—			148,544			—			148,544			25,538,956			25,687,500		—
Construction and land	—			30,775			23,663			54,438			853,549			907,987		—
Commercial and industrial	—			—			—			—			4,871,938			4,871,938		—
Home equity	139,283			—			90,360			229,643			10,215,239			10,444,882		—
Other consumer	7,941			—			—			7,941			810,669			818,610		—
	$	1,065,542		$	707,315		$	503,781		$	2,276,638		$	85,199,003		$	87,475,641	$	—
The following tables present the Company’s loan portfolio aging analysis at December 31, 2013:
																		Total Loans >
	30-59 Days			60-89 Days			Greater Than			Total						Total		90 Days &
	Past Due			Past Due			90 Days			Past Due			Current			Loans		Accruimg
Residential 1-4 family	$	1,583,953		$	537,596		$	529,097		$	2,650,646		$	40,961,932		$	43,612,578	$	—
Commercial real estate	—			—			16,862			16,862			24,688,525			24,705,387		—
Construction and land	32,418			—			26,639			59,057			1,559,388			1,618,445		—
Commercial and industrial	—			—			—			—			5,524,011			5,524,011		—
Home equity	54,136			51,663			156,304			262,103			10,722,679			10,984,782		—
Other consumer	1,565			9,144			—			10,709			661,851			672,560		—
	$	1,672,072		$	598,403		$	728,902		$	2,999,377		$	84,118,386		$	87,117,763	$	—
The following table presents the Company’s nonaccrual loans at June 30, 2014 and December 31, 2013.  This table excludes performing troubled debt restructurings.
	June 30,			December 31,
	2014			2013
	(Unaudited)
Residential 1-4 family	$	1,304,353		$	1,237,062
Commercial real estate	764,750			841,612
Construction and land	187,684			26,639
Commercial and industrial	—			—
Home equity	215,500			207,967
Other consumer	—			—
	$	2,472,287		$	2,313,280
A loan is considered impaired, in accordance with the impairment accounting guidance (ASC 310-10-35-16), when based on current information and events, it is probable the Company will be unable to collect all amounts due from the borrower in accordance with the contractual terms of the loan.  Impaired loans include nonperforming commercial loans but also include loans modified in troubled debt restructurings.
The following table presents impaired loans and specific valuation allowance based on class level at June 30, 2014:
	Residential			Commercial			Construction			Commercial						Other
	1-4 Family			Real Estate			and Land			and Industrial			Home Equity			Consumer		Total
	(Unaudited)
Impaired loans without a specific allowance:
Recorded investment	$	1,119,017		$	1,459,307		$	164,021		$	—		$	85,111		$	—	$	2,827,456
Unpaid principal balance	1,242,279			1,554,716			171,072			—			89,753			—		3,057,820
Impaired loans with a specific allowance:
Recorded investment	1,253,613			32,101						—			157,763			—		1,443,477
Unpaid principal balance	1,295,290			32,101						—			159,835			—		1,487,226
Specific allowance	8,860			464						—			1,623			—		10,947
Total impaired loans:
Recorded investment	2,372,630			1,491,408			164,021			—			242,874			—		4,270,933
Unpaid principal balance	2,537,569			1,586,817			171,072			—			249,588			—		4,545,046
Specific allowance	8,860			464			—			—			1,623			—		10,947
The following table presents average impaired loans based on class level for the three months ended June 30, 2014 and 2013:
	Residential			Commercial			Construction			Commercial
	1-4 Family			Real Estate			and Land			and Industrial			Home Equity			Consumer		Total
	(Unaudited)
Average recorded investment in impaired loans for the three months ended June 30, 2014	$	2,304,116		$	1,281,992		$	165,551		$	—		$	239,047		$	—	$	3,990,706
Average recorded investment in impaired loans for the three months ended June 30, 2013	2,251,561			2,390,975			382,525			637,630			187,123			—		5,849,814
	Residential			Commercial			Construction			Commercial
	1-4 Family			Real Estate			and Land			and Industrial			Home Equity			Consumer		Total
	(Unaudited)
Average recorded investment in impaired loans for the six months ended June 30, 2014	$	2,326,988		$	1,300,422		$	167,047		$	—		$	237,581		$	—	$	4,032,038
Average recorded investment in impaired loans for the six months ended June 30, 2013	2,542,282			2,828,422			526,533			322,261			133,415			—		6,352,913
The following table presents impaired loans and specific valuation allowance based on class level at December 31, 2013:
	Residential			Commercial			Construction			Commercial						Other
	1-4 Family			Real Estate			and Land			and Industrial			Home Equity			Consumer		Total
Impaired loans without a specific allowance:
Recorded investment	$	1,904,315		$	1,063,947		$	170,071		$	—		$	—		$	—	$	3,138,333
Unpaid principal balance	2,008,561			1,222,080			171,073			—			—			—		3,401,714
Impaired loans with a specific allowance:
Recorded investment	1,341,100			543,419			—			—			237,558			—		2,122,077
Unpaid principal balance	1,376,123			680,219			—			—			240,295			—		2,296,637
Specific allowance	16,704			3,447			—			—			2,328			—		22,479
Total impaired loans:
Recorded investment	3,245,415			1,607,366			170,071			—			237,558			—		5,260,410
Unpaid principal balance	3,384,684			1,902,299			171,073			—			240,295			—		5,698,351
Specific allowance	16,704			3,447			—			—			2,328			—		22,479
Interest income of $20,815, $38,212, $40,626, $62,076 and $130,035 was recognized on impaired loans for the three and six months ended June 30, 2014 (unaudited) and June 30, 2013 (unaudited) and for yearend December 31, 2013, respectively.
At June 30, 2014, the Company had loans that were modified in troubled debt restructurings and impaired.  The modification of terms of such loans included one or a combination of the following:  an extension of maturity, a reduction of the stated interest rate or a permanent reduction of the recorded investment in the loan.
The following table presents information regarding troubled debt restructurings by class for the three and six months ended June 30, 2014 and 2013.
Newly classified troubled debt restructurings:
	Three Months Ended June 30, 2014								Three Months Ended June 30, 2013
			Pre-			Post					Pre-			Post
			Modification			Modification					Modification			Modification
	Number		Recorded			Recorded			Number		Recorded			Recorded
	of Loans		Balance			Balance			of Loans		Balance			Balance
	(Unaudited)
Residential 1-4 family	—		$	—		$	—		—		$	—		$	—
Commercial real estate	—		—			—			1		502,764			308,000
Construction and land	—		—			—			—		—			—
Commercial and industrial	—		—			—			—		—			—
Home equity	—		—			—			—		—			—
Other consumer	—		—			—			—		—			—
	—		$	—		$	—		1		$	502,764		$	308,000
	Six Months Ended June 30, 2014								Six Months Ended June 30, 2013
			Pre-			Post					Pre-			Post
			Modification			Modification					Modification			Modification
	Number		Recorded			Recorded			Number		Recorded			Recorded
	of Loans		Balance			Balance			of Loans		Balance			Balance
	(Unaudited)
Residential 1-4 family	1		$	61,000		$	61,000		—		$	—		$	—
Commercial real estate	—		—			—			1		502,764			308,000
Construction and land	—		—			—			—		—			—
Commercial and industrial	—		—			—			—		—			—
Home equity	—		—			—			—		—			—
Other consumer	—		—			—			—		—			—
	1		$	61,000		$	61,000		1		$	502,764		$	308,000
The troubled debt restructurings described above increased the allowance for loan losses by $178 and $0 for the three months ended June 30, 2014 and 2013, respectively and resulted in charge offs of $19,937 and $0 for the three and six months ended June 30, 2014 and 2013, respectively.
Newly restructured loans by type of modification:
	Interest									Total
	Only			Term			Combination			Modification
	(Unaudited)
Six Months Ended June 30, 2014:
Residential 1-4 family	$	—		$	61,000		$	—		$	61,000
Commercial real estate	—			—			—			—
Construction and land	—			—			—			—
Commercial and industrial	—			—			—			—
Home equity	—			—			—			—
Other consumer	—			—			—			—
	$	—		$	61,000		$	—		$	61,000
	Interest									Total
	Only			Term			Combination			Modification
	(Unaudited)
Six Months Ended June 30, 2013:
Residential 1-4 family	$	—		$	308,000		$	—		$	308,000
Commercial real estate	—			—			—			—
Construction and land	—			—			—			—
Commercial and industrial	—			—			—			—
Home equity	—			—			—			—
Other consumer	—			—			—			—
	$	—		$	308,000		$	—		$	308,000
Troubled debt restructurings modified in the past 12 months that subsequently defaulted:
	June 30, 2014					June 30, 2013
	Number of		Recorded			Number of		Recorded
	Loans		Balance			Loans		Balance
	(Unaudited)
Residential 1-4 family	—		$	—		—		$	—
Commercial real estate	—		—			2		782,739
Construction and land	—		—			—		—
Commercial and industrial	—		—			—		—
Home equity	—		—			—		—
Other consumer	—		—			—		—
	—		$	—		2		$	782,739

Disclosures_about_Fair_Value_o

Disclosures about Fair Value of Assets and Liabilities	6 Months Ended
	Jun. 30, 2014
Disclosures about Fair Value of Assets and Liabilities	'
Disclosures about Fair Value of Assets and Liabilities	'
	Note 6:  Disclosures about Fair Value of Assets and Liabilities
	Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date.  Fair value measurements must maximize the use of observable inputs and minimize the use of unobservable inputs.  There is a hierarchy of three levels of inputs that may be used to measure fair value:
		Level 1		Quoted prices in active markets for identical assets or liabilities.
		Level 2		Observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities.
		Level 3		Unobservable inputs supported by little or no market activity and are significant to the fair value of the assets or liabilities.
	Recurring Measurements
	The following table presents the fair value measurements of assets recognized in the accompanying balance sheets measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fall at June 30, 2014 (unaudited) and at December 31, 2013:
			June 30, 2014
			Fair Value Measurements Using
						Quoted Prices in					Significant
						Active Markets					Other				Significant
						for Identical					Observable				Unobservable
			Fair			Assets					Inputs				Inputs
	Assets		Value			(Level 1)					(Level 2)				(Level 3)
			(Unaudited)
	Available-for-sale securities:
	U.S. Government and federal agency		$	4,936,905			$	—				$	4,936,905			$	—
	State and political subdivisions		3,362,026				—						3,362,026			—
	Mortgage-backed - GSE residential		3,813,856										3,813,856
	Collateralized mortgage obligations-GSE		1,302,226				—						1,302,226			—
	Mortgage servicing rights		136,280				—					—				136,280
			December 31, 2013
			Fair Value Measurements Using
						Quoted Prices in			Significant
						Active Markets			Other			Significant
						for Identical			Observable			Unobservable
			Fair			Assets			Inputs			Inputs
	Assets		Value			(Level 1)			(Level 2)			(Level 3)
	Available-for-sale securities:
	U.S. Government and federal agency		$	6,441,138		$	—		$	6,441,138		$	—
	State and political subdivisions		3,337,725			—			3,337,725			—
	Mortgage-backed - GSE residential		4,231,130						4,231,130
	Collateralized mortgage obligations-GSE		1,583,547			—			1,583,547			—
	Mortgage servicing rights		148,171			—			—			148,171
	Following is a description of the valuation methodologies and inputs used for assets measured at fair value on a recurring basis and recognized in the accompanying consolidated balance sheets, as well as the general classification of such assets pursuant to the valuation hierarchy.  There have been no significant changes in the valuation techniques during the three months ended June 30, 2014 (unaudited) and the year ended December 31, 2013.  For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported fair value is described below.
	Available-for-Sale Securities
	Where quoted market prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy.  If quoted market prices are not available, then fair values are estimated by using quoted prices of securities with similar characteristics or independent asset pricing services and pricing models, the inputs of which are market-based or independently sourced market parameters, including, but not limited to, yield curves, interest rates, volatilities, prepayments, defaults, cumulative loss projections and cash flows.  Such securities are classified in Level 2 of the valuation hierarchy including U.S. Government and federal agency, state and political subdivisions, mortgage-backed securities, and collateralized mortgage debt obligations.  In certain cases where Level 1 or Level 2 inputs are not available, securities are classified within Level 3 of the hierarchy.
	Mortgage Servicing Rights
	Mortgage servicing rights do not trade in an active, open market with readily observable prices.  Accordingly, fair value is estimated using discounted cash flow models having significant inputs of discount rate, prepayment speed and default rate.  Due to the nature of the valuation inputs, mortgage servicing rights are classified within Level 3 of the hierarchy.
	Mortgage servicing rights are tested for impairment on a quarterly basis.  The Chief Financial Officer’s (CFO) office contracts with a pricing specialist to generate fair value estimates on an annual basis.  The CFO’s office challenges the reasonableness of the assumptions used and reviews the methodology to ensure the estimated fair value complies with accounting standards generally accepted in the United States.
	Level 3 Reconciliation
	The following is a reconciliation of the beginning and ending balances of recurring fair value measurements recognized in the accompanying balance sheets using significant unobservable (Level 3) inputs:
			Three Months Ended June 30,						Six Months Ended June 30,
			2014			2013			2014			2013
			(Unaudited)
	Balance, beginning of period		$	138,288		$	203,114		$	148,171		$	230,655
	Total changes in fair value included in earnings		(2,006		)	(27,541		)	(11,889		)	(55,082		)
	Balance, end of period		$	136,282		$	175,573		$	136,282		$	175,573
	Nonrecurring Measurements
	The following table presents the fair value measurement of assets measured at fair value on a nonrecurring basis and the level within the fair value hierarchy in which the fair value measurements fall at June 30, 2014 (unaudited) and December 31, 2013:
			Fair Value Measurements Using
						Quoted Prices in			Significant
						Active Markets			Other			Significant
						for Identical			Observable			Unobservable
			Fair			Assets			Inputs			Inputs
	Assets		Value			(Level 1)			(Level 2)			(Level 3)
	June 30, 2014 (Unaudited)
	Collateral-dependent impaired loans		1,432,530			—			—			1,432,530
	December 31, 2013
	Other real estate owned		$	234,000		$	—		$	—		$	234,000
	Collateral-dependent impaired loans		2,099,598			—			—			2,099,598
	Following is a description of the valuation methodologies and inputs used for assets measured at fair value on a nonrecurring basis and recognized in the accompanying consolidated balance sheets, as well as the general classification of such assets pursuant to the valuation hierarchy.  For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported fair value is described below.
	Other Real Estate Owned
Other real estate owned (OREO) is carried at the lower of fair value at acquisition date or current estimated fair value, less estimated cost to sell when the real estate is acquired.  Estimated fair value of OREO is based on appraisals or evaluations.  OREO is classified within Level 3 of the fair value hierarchy.
Appraisals of OREO are obtained when the real estate is acquired and subsequently as deemed necessary by the CFO’s office.  Appraisals are reviewed for accuracy and consistency by the CFO’s office.  Appraisers are selected from the list of approved appraisers maintained by management.
Collateral-dependent Impaired Loans, Net of ALLL
The estimated fair value of collateral-dependent impaired loans is based on the appraised fair value of the collateral, less estimated cost to sell.  Collateral-dependent impaired loans are classified within Level 3 of the fair value hierarchy.
The Company considers the appraisal or evaluation as the starting point for determining fair value and then considers other factors and events in the environment that may affect the fair value.  Appraisals of the collateral underlying collateral-dependent loans are obtained when the loan is determined to be collateral-dependent and subsequently as deemed necessary by the CFO’s office.  Appraisals are reviewed for accuracy and consistency by the CFO’s office.  Appraisers are selected from the list of approved appraisers maintained by management.  The appraised values are reduced by discounts to consider lack of marketability and estimated cost to sell if repayment or satisfaction of the loan is dependent on the sale of the collateral.  These discounts and estimates are developed by the CFO’s office by comparison to historical results.
Unobservable (Level 3) Inputs
The following table presents quantitative information about unobservable inputs used in recurring and nonrecurring Level 3 fair value measurements:
					Valuation				Weighted
		Fair Value			Technique		Unobservable Inputs		Average
At June 30, 2014 (Unaudited):
Collateral-dependent impaired loans		1,432,530			Market comparable properties		Marketability discount		10% - 15% (12%)
Mortgage servicing rights		136,280			Discounted cash flow		Constant prepayment rate		14% - 24% (19.2%)
							Probability of default		1% - 8% (3.2%)
							Discount rate		5.8% - 12.9% (8.4%)
At December 31, 2013:
Other real estate owned		$	234,000		Market comparable properties		Comparability adjustment (%)		Not available
Collateral-dependent impaired loans		2,099,598			Market comparable properties		Marketability discount		10% - 15% (12%)
Mortgage servicing rights		148,171			Discounted cash flow		Constant prepayment rate		14% - 24% (19.2%)
							Probability of default		1% - 8% (5.8%)
							Discount rate		5.8% - 12.9% (8.4%)
Sensitivity of Significant Unobservable Inputs
The following is a discussion of the sensitivity of significant unobservable inputs, the interrelationships between those inputs and other unobservable inputs used in recurring fair value measurement and of how those inputs might magnify or mitigate the effect of changes in the unobservable inputs on the fair value measurement.
Mortgage Servicing Rights
The significant unobservable inputs used in the fair value measurement of the Company’s mortgage servicing rights are discount rates, conditional prepayment rates and probability of default.  Significant increases or decreases in any of those inputs in isolation would result in a significantly different fair value measurement.
Fair Value of Financial Instruments
The following tables present estimated fair values of the Company’s financial instruments and the level within the fair value hierarchy in which the fair value measurements fall at June 30, 2014 and December 31, 2013.
		Fair Value Measurements Using
					Quoted Prices in			Significant
					Active Markets			Other			Significant
					for Identical			Observable			Unobservable
		Carrying			Assets			Inputs			Inputs
		Amount			(Level 1)			(Level 2)			(Level 3)
		(Unaudited)
At June 30, 2014:
Financial assets:
Cash and cash equivalents		$	9,619,543		$	9,619,543		$	—		$	—
FHLB Stock		1,408,200			—			1,408,200			—
Loans held for sale		761,491			—			761,491
Loans		86,411,637			—			—			86,873,000
Accrued interest receivable		301,539			—			301,539			—
Mortgage servicing rights		327,824			—			—			529,817
Financial liabilities:
Deposits		93,171,520			10,250,247			83,051,273			—
FHLB advances		10,000,000			—			10,104,000			—
Accrued interest payable		36,658			—			36,658			—
		Fair Value Measurements Using
					Quoted Prices in			Significant
					Active Markets			Other			Significant
					for Identical			Observable			Unobservable
		Carrying			Assets			Inputs			Inputs
		Amount			(Level 1)			(Level 2)			(Level 3)
At December 31, 2013:
Financial assets:
Cash and cash equivalents		$	10,322,076		$	10,322,076		$	—		$	—
FHLB Stock		1,408,200			—			1,408,200			—
Loans held for sale		—			—			—			—
Loans		86,092,038			—			—			86,442,000
Accrued interest receivable		312,615			—			312,615			—
Mortgage servicing rights		364,999			—			—			543,975
Financial liabilities:
Deposits		108,071,026			12,188,447			96,083,579			—
Accrued interest payable		1,032			—			1,032			—
The following methods were used to estimate the fair value of all other financial instruments recognized in the accompanying balance sheets at amounts other than fair value.
Cash and Cash Equivalents and Federal Home Loan Bank Stock
The carrying amount approximates fair value.
Loan Held for Sale
The carrying amount approximates fair value due to the insignificant time between origination and date of sale.  The carrying amount is the amount funded and accrued interest.
Loans
Fair value is estimated by discounting the future cash flows using the market rates at which similar notes would be made to borrowers with similar credit ratings and for the same remaining maturities.  The market rates used are based on current rates the Bank would impose for similar loans and reflect a market participant assumption about risks associated with nonperformance, illiquidity, and the structure and term of the loans along with local economic and market conditions.
Accrued Interest Receivable and Payable
The carrying amount approximates fair value.  The carrying amount is determined using the interest rate, balance and last payment date.
Deposits
Fair value of term deposits is estimated by discounting the future cash flows using rates of similar deposits with similar maturities.  The market rates used were obtained from a knowledgeable independent third party and reviewed by the Bank.  The rates were the average of current rates offered by local competitors of the Bank.
The estimated fair value of demand, savings and money market deposits is the book value since rates are regularly adjusted to market rates and amounts are payable on demand at the reporting date.
Federal Home Loan Bank Advances
Fair value is estimated by discounting the future cash flows using rates of similar advances with similar maturities.  These rates were obtained from current rates offered by the FHLB.

Accounting_Developments

Accounting Developments	6 Months Ended
	Jun. 30, 2014
Accounting Developments	'
Accounting Developments	'
	Note 7:  Accounting Developments
	Financial Accounting Standards Board (“FASB”)
	In January 2014, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) 2014-04 “Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure,” to reduce diversity by clarifying when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan receivable should be derecognized and the real estate property recognized.  The ASU is effective for fiscal years, and interim periods within those years, beginning after December 15, 2014.  Adoption of the ASU is not expected to have a significant effect on the Company’s consolidated financial statements.
	In January 2014, the FASB issued ASU2014-01, “Accounting for Investments in Qualified Affordable Housing Projects,” to permit entities to make an accounting policy election to account for their investment in qualified affordable housing projects using the proportional amortization methods if certain conditions are met.  The ASU modifies the conditions that an entity must meet to be eligible to use a method other than the equity or cost methods to account for qualified affordable housing project investments.  The ASU is effective for fiscal years, and interim periods within those years, beginning after December 15, 2014.  Adoption of the ASU is not expected to have a significant effect on the Company’s consolidated financial statement.

Earnings_Loss_Per_Share

Earnings (Loss) Per Share	6 Months Ended
	Jun. 30, 2014
Earnings (Loss) Per Share	'
Earnings (Loss) Per Share	'
	Note 8:  Earnings (Loss) Per Share
		Three Months Ended June 30,			Six Months Ended June 30,
		2014			2014
		(Unaudited)			(Unaudited)
	Net Loss	$	(175,468	)	$	(421,894	)
	Shares outstanding for basic EPS:
	Average shares outstanding	667,898			612,547
	Less: Average unearned ESOP shares	52,713			48,550
		615,185			563,997
	Additional dilutive shares	—			—
	Shares outstanding for basic and diluted EPS	615,185			563,997
	Basic and diluted loss per share	$	(.29	)	$	(.75	)

Investment_Securities_Tables

Investment Securities (Tables)	6 Months Ended
	Jun. 30, 2014
Investment Securities	'
Schedule of the amortized cost and approximate fair values of investment securities	'
		June 30, 2014
				Gross		Gross
		Amortized		Unrealized		Unrealized		Fair
		Cost		Gains		Losses		Value
		(Unaudited)
	Available-for-sale securities:
	U.S. Government and federal agency	$	5,027,080	$	3,674	$	93,849	$	4,936,905
	State and political subdivisions	3,356,935		21,154		16,063		3,362,026
	Mortgage-backed -GSE residential	3,792,196		28,539		6,879		3,813,856
	Collateralized mortgage obligations-GSE	1,282,586		19,640		—		1,302,226
	Total available-for-sale securities	$	13,458,797	$	73,007	$	116,791	$	13,415,013
		December 31, 2013
				Gross		Gross
		Amortized		Unrealized		Unrealized		Fair
		Cost		Gains		Losses		Value
	Available-for-sale securities:
	U.S. Government and federal agency	$	6,557,658	$	9,682	$	126,202	$	6,441,138
	State and political subdivisions	3,359,021		18,008		39,304		3,337,725
	Mortgage-backed -GSE residential	4,224,511		36,873		30,254		4,231,130
	Collateralized mortgage obligations-GSE	1,587,606		9,908		13,967		1,583,547
	Total available-for-sale securities	$	15,728,796	$	74,471	$	209,727	$	15,593,540
Schedule of the amortized cost and fair value of investment securities by contractual maturity	'
		June 30, 2014				December 31, 2013
		Amortized		Fair		Amortized		Fair
		Cost		Value		Cost		Value
		(Unaudited)
	Within one year	$	295,000	$	295,421	$	1,506,265	$	1,513,109
	After one through five years	8,089,015		8,003,510		8,410,414		8,265,754
	After five through ten years	—		—		—		—
	After ten years	—		—		—		—
		8,384,015		8,298,931		9,916,679		9,778,863
	Mortgage-backed - GSE residential	3,792,196		3,813,856		4,224,511		4,231,130
	Collateralized debt obligations	1,282,586		1,302,226		1,587,606		1,583,547
		$	13,458,797	$	13,415,013	$	15,728,796	$	15,593,540
Schedule of investment securities with unrealized losses	'
		June 30, 2014
		Less than 12 Months				12 Months or Longer				Total
				Gross				Gross				Gross
		Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
		Value		Losses		Value		Losses		Value		Losses
		(Unaudited)
	Available-for-sale securities:
	U.S. Government and federal agency	$	959,555	$	1,114	$	3,472,604	$	92,735	$	4,432,159	$	93,849
	State and political subdivisions			—		883,937		16,063		883,937		16,063
	Mortgage-backed -GSE residential	1,661,377		6,879		—		—		1,661,377		6,879
		$	2,620,932	$	7,993	$	4,356,541	$	108,798	$	6,977,473	$	116,791
		December 31, 2013
		Less than 12 Months				12 Months or Longer				Total
				Gross				Gross				Gross
		Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
		Value		Losses		Value		Losses		Value		Losses
	Available-for-sale securities:
	U.S. Government and federal agency	$	4,423,805	$	126,202	$	—	$	—	$	4,423,805	$	126,202
	State and political subdivisions	2,015,891		39,304		—		—		2,015,891		39,304
	Mortgage-backed -GSE residential	2,948,777		30,254		—		—		2,948,777		30,254
	Collateralized mortgage obligations-GSE	636,189		13,967		—		—		636,189		13,967
		$	10,024,662	$	209,727	$	—	$	—	$	10,024,662	$	209,727

Loans_and_Allowance_Tables

Loans and Allowance (Tables)	6 Months Ended
	Jun. 30, 2014
Loans and Allowance	'
Schedule of categories of loans receivable	'
		June 30			December 31,
		2014			2013
		(Unaudited)
	Real estate loans:
	Residential 1-4 family	$	44,744,724		$	43,612,578
	Commercial	25,687,500			24,705,387
	Construction and land	907,987			1,618,445
	Total real estate	71,340,211			69,936,410
	Commercial and industrial	4,871,938			5,524,011
	Consumer loans:
	Home equity loans and lines of credit	10,444,882			10,984,782
	Other consumer loans	818,610			672,560
	Total consumer	11,263,492			11,657,342
	Gross loans	87,475,641			87,117,763
	Less
	Net deferred loan costs	(18,401		)	(35,416		)
	Allowance for loan losses	1,082,405			1,061,141
	Net loans	$	86,411,637		$	86,092,038
Schedule of activity in the allowance for loan losses by portfolio segment	'
		Residential			Commercial			Commercial
		1-4 Family			Real Estate			and Industrial			Consumer			Total
		(Unaudited)
	Three Months Ended June 30, 2014:
	Balance, beginning of period	$	221,963		$	578,929		$	157,510		$	173,209		$	1,131,611
	Provision (credit) for loan losses	9,981			(23,566		)	(26,291		)	39,876			—
	Loans charged to the allowance	—			—			—			(50,116		)	(50,116		)
	Recoveries of loans previously charged off	310			600			—			—			910
	Balance, end of period	$	232,254		$	555,963		$	131,219		$	162,969		$	1,082,405
	Six Months Ended June 30, 2014:
	Balance, beginning of period	$	188,325		$	587,331		$	138,268		$	147,217		$	1,061,141
	Provision (credit) for loan losses	62,303			(120,722		)	(7,049		)	65,468			—
	Loans charged to the allowance	(20,984		)	—			—			(50,116		)	(71,100		)
	Recoveries of loans previously charged off	2,610			89,354			—			400			92,364
	Balance, end of period	$	232,254		$	555,963		$	131,219		$	162,969		$	1,082,405
		Residential			Commercial			Commercial
		1-4 Family			Real Estate			and Industrial			Consumer			Total
		(Unaudited)
	Three Months Ended June 30, 2013:
	Balance, beginning of period	$	202,813		$	1,119,815		$	29,298		$	147,696		$	1,499,622
	Provision (credit) for loan losses	47,216			(43,850		)	188,314			33,320			225,000
	Loans charged to the allowance	(123,377		)	(244,763		)	—			(64,611		)	(432,751		)
	Recoveries of loans previously charged off	300			—			—			275			575
	Balance, end of period	$	126,952		$	831,202		$	217,612		$	116,680		$	1,292,446
	Six Months Ended June 30, 2013:
	Balance, beginning of period	$	243,867		$	1,089,654		$	32,663		$	137,985		$	1,504,169
	Provision (credit) for loan losses	5,862			(13,689		)	184,949			62,878			240,000
	Loans charged to the allowance	(123,377		)	(244,763		)	—			(84,758		)	(452,898		)
	Recoveries of loans previously charged off	600			—			—			575			1,175
	Balance, end of period	$	126,952		$	831,202		$	217,612		$	116,680		$	1,292,446
Schedule of activity in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method	'
		Residential			Commercial			Commercial
		1-4 Family			Real Estate			and Industrial			Consumer			Total
		(Unaudited)
	At June 30, 2014:
	Allowance:
	Balance, end of period	$	232,254		$	555,963		$	131,219		$	162,969		$	1,082,405
	Ending balance: individually evaluated for impairment	$	8,860		$	464		$	—		$	1,623		$	10,947
	Ending balance: collectively evaluated for impairment	$	223,394		$	555,499		$	131,219		$	161,346		$	1,071,458
	Loans:
	Ending balance	$	44,744,724		$	26,595,487		$	4,871,938		$	11,263,492		$	87,475,641
	Ending balance individually evaluated for impairment	$	2,372,630		$	1,491,408		$	164,021		$	242,874		$	4,270,933
	Ending balance collectively evaluated for impairment	$	42,372,094		$	25,104,079		$	4,707,917		$	11,020,618		$	83,209,708
		Residential			Commercial			Commercial
		1-4 Family			Real Estate			and Industrial			Consumer			Total
	At December 31, 2013:
	Allowance:
	Balance, end of period	$	188,325		$	587,331		$	138,268		$	147,217		$	1,061,141
	Ending balance: individually evaluated for impairment	$	16,704		$	3,447		$	—		$	2,328		$	22,479
	Ending balance: collectively evaluated for impairment	$	171,621		$	583,884		$	138,268		$	144,889		$	1,038,662
	Loans:
	Ending balance	$	43,612,578		$	26,323,832		$	5,524,011		$	11,657,342		$	87,117,763
	Ending balance individually evaluated for impairment	$	3,245,415		$	1,777,437		$	—		$	237,558		$	5,260,410
	Ending balance collectively evaluated for impairment	$	40,367,163		$	24,546,395		$	5,524,011		$	11,419,784		$	81,857,353
Schedule of credit risk profile of the Company's loan portfolio based on rating category and payment activity	'
	The following tables present the credit risk profile of the Company’s loan portfolio based on rating category and payment activity at June 30, 2014:
		Residential			Commercial			Construction			Commercial
		1-4 Family			Real Estate			and Land			and Industrial			Home Equity			Consumer		Total
		(Unaudited)
	Pass (1-4)	$	44,354,966		$	23,602,334		$	720,303		$	4,871,938		$	10,354,522		$	818,610	$	84,722,673
	Special Mention (5)	—			47,738			—			—			—			—		47,738
	Substandard (6)	389,758			2,037,428			187,684			—			90,360			—		2,705,230
	Doubtful (7)	—			—			—			—			—			—		—
	Loss (8)	—			—			—			—			—			—		—
	Total	$	44,744,724		$	25,687,500		$	907,987		$	4,871,938		$	10,444,882		$	818,610	$	87,475,641
	The following tables present the credit risk profile of the Company’s loan portfolio based on rating category and payment activity at December 31, 2013:
		Residential			Commercial			Construction			Commercial
		1-4 Family			Real Estate			and Land			and Industrial			Home Equity			Consumer		Total
	Pass (1-4)	$	42,899,910		$	21,414,636		$	1,341,806		$	5,059,361		$	10,828,478		$	672,560	$	82,216,751
	Special Mention (5)	—			798,627			250,000			—			—			—		1,048,627
	Substandard (6)	712,668			2,492,124			26,639			464,650			156,304			—		3,852,385
	Doubtful (7)	—			—			—			—			—			—		—
	Loss (8)	—			—			—			—			—			—		—
	Total	$	43,612,578		$	24,705,387		$	1,618,445		$	5,524,011		$	10,984,782		$	672,560	$	87,117,763
Schedule of Company's loan portfolio aging analysis	'
	The following tables present the Company’s loan portfolio aging analysis at June 30, 2014:
																			Total Loans >
		30-59 Days			60-89 Days			Greater Than			Total						Total		90 Days &
		Past Due			Past Due			90 Days			Past Due			Current			Loans		Accruimg
		(Unaudited)
	Residential 1-4 family	$	918,318		$	527,996		$	389,758		$	1,836,072		$	42,908,652		$	44,744,724	$	—
	Commercial real estate	—			148,544			—			148,544			25,538,956			25,687,500		—
	Construction and land	—			30,775			23,663			54,438			853,549			907,987		—
	Commercial and industrial	—			—			—			—			4,871,938			4,871,938		—
	Home equity	139,283			—			90,360			229,643			10,215,239			10,444,882		—
	Other consumer	7,941			—			—			7,941			810,669			818,610		—
		$	1,065,542		$	707,315		$	503,781		$	2,276,638		$	85,199,003		$	87,475,641	$	—
	The following tables present the Company’s loan portfolio aging analysis at December 31, 2013:
																			Total Loans >
		30-59 Days			60-89 Days			Greater Than			Total						Total		90 Days &
		Past Due			Past Due			90 Days			Past Due			Current			Loans		Accruimg
	Residential 1-4 family	$	1,583,953		$	537,596		$	529,097		$	2,650,646		$	40,961,932		$	43,612,578	$	—
	Commercial real estate	—			—			16,862			16,862			24,688,525			24,705,387		—
	Construction and land	32,418			—			26,639			59,057			1,559,388			1,618,445		—
	Commercial and industrial	—			—			—			—			5,524,011			5,524,011		—
	Home equity	54,136			51,663			156,304			262,103			10,722,679			10,984,782		—
	Other consumer	1,565			9,144			—			10,709			661,851			672,560		—
		$	1,672,072		$	598,403		$	728,902		$	2,999,377		$	84,118,386		$	87,117,763	$	—
Schedule of Company's nonaccrual loans	'
		June 30,			December 31,
		2014			2013
		(Unaudited)
	Residential 1-4 family	$	1,304,353		$	1,237,062
	Commercial real estate	764,750			841,612
	Construction and land	187,684			26,639
	Commercial and industrial	—			—
	Home equity	215,500			207,967
	Other consumer	—			—
		$	2,472,287		$	2,313,280
Schedule of impaired loans and specific valuation allowance based on class level	'
	The following table presents impaired loans and specific valuation allowance based on class level at June 30, 2014:
		Residential			Commercial			Construction			Commercial						Other
		1-4 Family			Real Estate			and Land			and Industrial			Home Equity			Consumer		Total
		(Unaudited)
	Impaired loans without a specific allowance:
	Recorded investment	$	1,119,017		$	1,459,307		$	164,021		$	—		$	85,111		$	—	$	2,827,456
	Unpaid principal balance	1,242,279			1,554,716			171,072			—			89,753			—		3,057,820
	Impaired loans with a specific allowance:
	Recorded investment	1,253,613			32,101						—			157,763			—		1,443,477
	Unpaid principal balance	1,295,290			32,101						—			159,835			—		1,487,226
	Specific allowance	8,860			464						—			1,623			—		10,947
	Total impaired loans:
	Recorded investment	2,372,630			1,491,408			164,021			—			242,874			—		4,270,933
	Unpaid principal balance	2,537,569			1,586,817			171,072			—			249,588			—		4,545,046
	Specific allowance	8,860			464			—			—			1,623			—		10,947
	The following table presents impaired loans and specific valuation allowance based on class level at December 31, 2013:
		Residential			Commercial			Construction			Commercial						Other
		1-4 Family			Real Estate			and Land			and Industrial			Home Equity			Consumer		Total
	Impaired loans without a specific allowance:
	Recorded investment	$	1,904,315		$	1,063,947		$	170,071		$	—		$	—		$	—	$	3,138,333
	Unpaid principal balance	2,008,561			1,222,080			171,073			—			—			—		3,401,714
	Impaired loans with a specific allowance:
	Recorded investment	1,341,100			543,419			—			—			237,558			—		2,122,077
	Unpaid principal balance	1,376,123			680,219			—			—			240,295			—		2,296,637
	Specific allowance	16,704			3,447			—			—			2,328			—		22,479
	Total impaired loans:
	Recorded investment	3,245,415			1,607,366			170,071			—			237,558			—		5,260,410
	Unpaid principal balance	3,384,684			1,902,299			171,073			—			240,295			—		5,698,351
	Specific allowance	16,704			3,447			—			—			2,328			—		22,479
Schedule of average impaired loans based on class level	'
		Residential			Commercial			Construction			Commercial
		1-4 Family			Real Estate			and Land			and Industrial			Home Equity			Consumer		Total
		(Unaudited)
	Average recorded investment in impaired loans for the three months ended June 30, 2014	$	2,304,116		$	1,281,992		$	165,551		$	—		$	239,047		$	—	$	3,990,706
	Average recorded investment in impaired loans for the three months ended June 30, 2013	2,251,561			2,390,975			382,525			637,630			187,123			—		5,849,814
		Residential			Commercial			Construction			Commercial
		1-4 Family			Real Estate			and Land			and Industrial			Home Equity			Consumer		Total
		(Unaudited)
	Average recorded investment in impaired loans for the six months ended June 30, 2014	$	2,326,988		$	1,300,422		$	167,047		$	—		$	237,581		$	—	$	4,032,038
	Average recorded investment in impaired loans for the six months ended June 30, 2013	2,542,282			2,828,422			526,533			322,261			133,415			—		6,352,913
Schedule of newly classified troubled debt restructurings	'
		Three Months Ended June 30, 2014								Three Months Ended June 30, 2013
				Pre-			Post					Pre-			Post
				Modification			Modification					Modification			Modification
		Number		Recorded			Recorded			Number		Recorded			Recorded
		of Loans		Balance			Balance			of Loans		Balance			Balance
		(Unaudited)
	Residential 1-4 family	—		$	—		$	—		—		$	—		$	—
	Commercial real estate	—		—			—			1		502,764			308,000
	Construction and land	—		—			—			—		—			—
	Commercial and industrial	—		—			—			—		—			—
	Home equity	—		—			—			—		—			—
	Other consumer	—		—			—			—		—			—
		—		$	—		$	—		1		$	502,764		$	308,000
		Six Months Ended June 30, 2014								Six Months Ended June 30, 2013
				Pre-			Post					Pre-			Post
				Modification			Modification					Modification			Modification
		Number		Recorded			Recorded			Number		Recorded			Recorded
		of Loans		Balance			Balance			of Loans		Balance			Balance
		(Unaudited)
	Residential 1-4 family	1		$	61,000		$	61,000		—		$	—		$	—
	Commercial real estate	—		—			—			1		502,764			308,000
	Construction and land	—		—			—			—		—			—
	Commercial and industrial	—		—			—			—		—			—
	Home equity	—		—			—			—		—			—
	Other consumer	—		—			—			—		—			—
		1		$	61,000		$	61,000		1		$	502,764		$	308,000
Schedule of newly restructured loans by type of modification	'
		Interest									Total
		Only			Term			Combination			Modification
		(Unaudited)
	Six Months Ended June 30, 2014:
	Residential 1-4 family	$	—		$	61,000		$	—		$	61,000
	Commercial real estate	—			—			—			—
	Construction and land	—			—			—			—
	Commercial and industrial	—			—			—			—
	Home equity	—			—			—			—
	Other consumer	—			—			—			—
		$	—		$	61,000		$	—		$	61,000
		Interest									Total
		Only			Term			Combination			Modification
		(Unaudited)
	Six Months Ended June 30, 2013:
	Residential 1-4 family	$	—		$	308,000		$	—		$	308,000
	Commercial real estate	—			—			—			—
	Construction and land	—			—			—			—
	Commercial and industrial	—			—			—			—
	Home equity	—			—			—			—
	Other consumer	—			—			—			—
		$	—		$	308,000		$	—		$	308,000
Schedule of troubled debt restructurings modified in the past 12 months that subsequently defaulted	'
		June 30, 2014					June 30, 2013
		Number of		Recorded			Number of		Recorded
		Loans		Balance			Loans		Balance
		(Unaudited)
	Residential 1-4 family	—		$	—		—		$	—
	Commercial real estate	—		—			2		782,739
	Construction and land	—		—			—		—
	Commercial and industrial	—		—			—		—
	Home equity	—		—			—		—
	Other consumer	—		—			—		—
		—		$	—		2		$	782,739

Disclosures_about_Fair_Value_o1

Disclosures about Fair Value of Assets and Liabilities (Tables)	6 Months Ended
	Jun. 30, 2014
Disclosures about Fair Value of Assets and Liabilities	'
Schedule of fair value measurements of assets measured at fair value on a recurring basis	'
		June 30, 2014
		Fair Value Measurements Using
					Quoted Prices in			Significant
					Active Markets			Other			Significant
					for Identical			Observable			Unobservable
		Fair			Assets			Inputs			Inputs
	Assets	Value			(Level 1)			(Level 2)			(Level 3)
		(Unaudited)
	Available-for-sale securities:
	U.S. Government and federal agency	$	4,936,905		$	—		$	4,936,905		$	—
	State and political subdivisions	3,362,026			—				3,362,026		—
	Mortgage-backed - GSE residential	3,813,856							3,813,856
	Collateralized mortgage obligations-GSE	1,302,226			—				1,302,226		—
	Mortgage servicing rights	136,280			—			—			136,280
		December 31, 2013
		Fair Value Measurements Using
					Quoted Prices in			Significant
					Active Markets			Other			Significant
					for Identical			Observable			Unobservable
		Fair			Assets			Inputs			Inputs
	Assets	Value			(Level 1)			(Level 2)			(Level 3)
	Available-for-sale securities:
	U.S. Government and federal agency	$	6,441,138		$	—		$	6,441,138		$	—
	State and political subdivisions	3,337,725			—			3,337,725			—
	Mortgage-backed - GSE residential	4,231,130						4,231,130
	Collateralized mortgage obligations-GSE	1,583,547			—			1,583,547			—
	Mortgage servicing rights	148,171			—			—			148,171
Schedule of reconciliation of the beginning and ending balances of recurring fair value measurements recognized using significant unobservable (Level 3) inputs	'
		Three Months Ended June 30,						Six Months Ended June 30,
		2014			2013			2014			2013
		(Unaudited)
	Balance, beginning of period	$	138,288		$	203,114		$	148,171		$	230,655
	Total changes in fair value included in earnings	(2,006		)	(27,541		)	(11,889		)	(55,082		)
	Balance, end of period	$	136,282		$	175,573		$	136,282		$	175,573
Schedule of fair value measurement of assets and liabilities measured at fair value on a nonrecurring basis	'
		Fair Value Measurements Using
					Quoted Prices in			Significant
					Active Markets			Other			Significant
					for Identical			Observable			Unobservable
		Fair			Assets			Inputs			Inputs
	Assets	Value			(Level 1)			(Level 2)			(Level 3)
	June 30, 2014 (Unaudited)
	Collateral-dependent impaired loans	1,432,530			—			—			1,432,530
	December 31, 2013
	Other real estate owned	$	234,000		$	—		$	—		$	234,000
	Collateral-dependent impaired loans	2,099,598			—			—			2,099,598
Schedule of quantitative information about unobservable inputs used in recurring and nonrecurring Level 3 fair value measurements	'
					Valuation				Weighted
		Fair Value			Technique		Unobservable Inputs		Average
	At June 30, 2014 (Unaudited):
	Collateral-dependent impaired loans	1,432,530			Market comparable properties		Marketability discount		10% - 15% (12%)
	Mortgage servicing rights	136,280			Discounted cash flow		Constant prepayment rate		14% - 24% (19.2%)
							Probability of default		1% - 8% (3.2%)
							Discount rate		5.8% - 12.9% (8.4%)
	At December 31, 2013:
	Other real estate owned	$	234,000		Market comparable properties		Comparability adjustment (%)		Not available
	Collateral-dependent impaired loans	2,099,598			Market comparable properties		Marketability discount		10% - 15% (12%)
	Mortgage servicing rights	148,171			Discounted cash flow		Constant prepayment rate		14% - 24% (19.2%)
							Probability of default		1% - 8% (5.8%)
							Discount rate		5.8% - 12.9% (8.4%)
Schedule of estimated fair values of the Company's financial instruments	'
		Fair Value Measurements Using
					Quoted Prices in			Significant
					Active Markets			Other			Significant
					for Identical			Observable			Unobservable
		Carrying			Assets			Inputs			Inputs
		Amount			(Level 1)			(Level 2)			(Level 3)
		(Unaudited)
	At June 30, 2014:
	Financial assets:
	Cash and cash equivalents	$	9,619,543		$	9,619,543		$	—		$	—
	FHLB Stock	1,408,200			—			1,408,200			—
	Loans held for sale	761,491			—			761,491
	Loans	86,411,637			—			—			86,873,000
	Accrued interest receivable	301,539			—			301,539			—
	Mortgage servicing rights	327,824			—			—			529,817
	Financial liabilities:
	Deposits	93,171,520			10,250,247			83,051,273			—
	FHLB advances	10,000,000			—			10,104,000			—
	Accrued interest payable	36,658			—			36,658			—
		Fair Value Measurements Using
					Quoted Prices in			Significant
					Active Markets			Other			Significant
					for Identical			Observable			Unobservable
		Carrying			Assets			Inputs			Inputs
		Amount			(Level 1)			(Level 2)			(Level 3)
	At December 31, 2013:
	Financial assets:
	Cash and cash equivalents	$	10,322,076		$	10,322,076		$	—		$	—
	FHLB Stock	1,408,200			—			1,408,200			—
	Loans held for sale	—			—			—			—
	Loans	86,092,038			—			—			86,442,000
	Accrued interest receivable	312,615			—			312,615			—
	Mortgage servicing rights	364,999			—			—			543,975
	Financial liabilities:
	Deposits	108,071,026			12,188,447			96,083,579			—
	Accrued interest payable	1,032			—			1,032			—

Earnings_Loss_Per_Share_Tables

Earnings (Loss) Per Share (Tables)	6 Months Ended
	Jun. 30, 2014
Earnings (Loss) Per Share	'
Schedule of earnings (loss) per share	'
		Three Months Ended June 30,			Six Months Ended June 30,
		2014			2014
		(Unaudited)			(Unaudited)
	Net Loss	$	(175,468	)	$	(421,894	)
	Shares outstanding for basic EPS:
	Average shares outstanding	667,898			612,547
	Less: Average unearned ESOP shares	52,713			48,550
		615,185			563,997
	Additional dilutive shares	—			—
	Shares outstanding for basic and diluted EPS	615,185			563,997
	Basic and diluted loss per share	$	(.29	)	$	(.75	)

Nature_of_Operations_and_Conve1

Nature of Operations and Conversion (Details) (USD $)	0 Months Ended
	Jan. 16, 2014
Nature of Operations and Conversion	'
Shares issued to new company	667,898
Issue price of common stock (in dollars per share)	$10
Offering costs	$1,451,000
Net proceeds from the stock offering	$4,694,000
Shares of common stock purchased under employee stock ownership plan (in shares)	53,431
Purchase price (in dollars per share)	$10

Investment_Securities_Details

Investment Securities (Details) (USD $)	Jun. 30, 2014	Dec. 31, 2013
Amortized cost and approximate fair values of investment securities	'	'
Amortized Cost	$13,458,797	$15,728,796
Gross Unrealized Gains	73,007	74,471
Gross Unrealized Losses	116,791	209,727
Fair Value	13,415,013	15,593,540
U S Government Agencies Debt Securities [Member]	'	'
Amortized cost and approximate fair values of investment securities	'	'
Amortized Cost	5,027,080	6,557,658
Gross Unrealized Gains	3,674	9,682
Gross Unrealized Losses	93,849	126,202
Fair Value	4,936,905	6,441,138
U S States And Political Subdivisions [Member]	'	'
Amortized cost and approximate fair values of investment securities	'	'
Amortized Cost	3,356,935	3,359,021
Gross Unrealized Gains	21,154	18,008
Gross Unrealized Losses	16,063	39,304
Fair Value	3,362,026	3,337,725
Mortgage Backed Securities Issued By U S Government Sponsored Enterprises [Member]	'	'
Amortized cost and approximate fair values of investment securities	'	'
Amortized Cost	3,792,196	4,224,511
Gross Unrealized Gains	28,539	36,873
Gross Unrealized Losses	6,879	30,254
Fair Value	3,813,856	4,231,130
Collateralized Debt Obligations Issued By U S Government Sponsored Enterprises [Member]	'	'
Amortized cost and approximate fair values of investment securities	'	'
Amortized Cost	1,282,586	1,587,606
Gross Unrealized Gains	19,640	9,908
Gross Unrealized Losses	'	13,967
Fair Value	$1,302,226	$1,583,547

Investment_Securities_Details_

Investment Securities (Details 2) (USD $)	6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013	Dec. 31, 2013
Amortized Cost	'	'	'
Within one year	$295,000	'	$1,506,265
After one through five years	8,089,015	'	8,410,414
Total	8,384,015	'	9,916,679
Totals	13,458,797	'	15,728,796
Fair Value	'	'	'
Within one year	295,421	'	1,513,109
After one through five years	8,003,510	'	8,265,754
Total	8,298,931	'	9,778,863
Totals	13,415,013	'	15,593,540
Additional disclosures	'	'	'
Carrying value of securities pledged as collateral to secure public deposits and for other purposes	400,779	'	459,263
Sales of securities available-for-sale	0	0	'
Debt securities reported at an amount less than their historical cost	6,977,473	'	10,024,662
Debt securities reported at an amount less than their historical cost as a percentage of the company's investment portfolio	46.00%	'	64.00%
Mortgage Backed Securities Issued By U S Government Sponsored Enterprises [Member]	'	'	'
Amortized Cost	'	'	'
Totals	3,792,196	'	4,224,511
Fair Value	'	'	'
Totals	3,813,856	'	4,231,130
Collateralized Debt Obligations Issued By U S Government Sponsored Enterprises [Member]	'	'	'
Amortized Cost	'	'	'
Totals	1,282,586	'	1,587,606
Fair Value	'	'	'
Totals	$1,302,226	'	$1,583,547

Investment_Securities_Details_1

Investment Securities (Details 3) (USD $)	Jun. 30, 2014	Dec. 31, 2013
Fair Value	'	'
Less than 12 Months	$2,620,932	$10,024,662
12 Months or Longer	4,356,541	'
Total	6,977,473	10,024,662
Gross Unrealized Losses	'	'
Less than 12 Months	7,993	209,727
12 Months or Longer	108,798	'
Total	116,791	209,727
U S Government Agencies Debt Securities [Member]	'	'
Fair Value	'	'
Less than 12 Months	959,555	4,423,805
12 Months or Longer	3,472,604	'
Total	4,432,159	4,423,805
Gross Unrealized Losses	'	'
Less than 12 Months	1,114	126,202
12 Months or Longer	92,735	'
Total	93,849	126,202
U S States And Political Subdivisions [Member]	'	'
Fair Value	'	'
Less than 12 Months	'	2,015,891
12 Months or Longer	883,937	'
Total	883,937	2,015,891
Gross Unrealized Losses	'	'
Less than 12 Months	'	39,304
12 Months or Longer	16,063	'
Total	16,063	39,304
Mortgage Backed Securities Issued By U S Government Sponsored Enterprises [Member]	'	'
Fair Value	'	'
Less than 12 Months	1,661,377	2,948,777
Total	1,661,377	2,948,777
Gross Unrealized Losses	'	'
Less than 12 Months	6,879	30,254
Total	6,879	30,254
Collateralized Debt Obligations Issued By U S Government Sponsored Enterprises [Member]	'	'
Fair Value	'	'
Less than 12 Months	'	636,189
Total	'	636,189
Gross Unrealized Losses	'	'
Less than 12 Months	'	13,967
Total	'	$13,967

Loans_and_Allowance_Details

Loans and Allowance (Details) (USD $)	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012
Loans and allowance for loan losses	'	'	'	'	'	'
Gross loans	$87,475,641	'	$87,117,763	'	'	'
Less	'	'	'	'	'	'
Net deferred loan costs	-18,401	'	-35,416	'	'	'
Allowance for loan losses	1,082,405	1,131,611	1,061,141	1,292,446	1,499,622	1,504,169
Net loans	86,411,637	'	86,092,038	'	'	'
Real Estate [Member]	'	'	'	'	'	'
Loans and allowance for loan losses	'	'	'	'	'	'
Gross loans	71,340,211	'	69,936,410	'	'	'
Consumer Portfolio Segment [Member]	'	'	'	'	'	'
Loans and allowance for loan losses	'	'	'	'	'	'
Gross loans	11,263,492	'	11,657,342	'	'	'
Residential Portfolio Segment [Member]	'	'	'	'	'	'
Loans and allowance for loan losses	'	'	'	'	'	'
Gross loans	44,744,724	'	43,612,578	'	'	'
Less	'	'	'	'	'	'
Allowance for loan losses	232,254	221,963	188,325	126,952	202,813	243,867
Residential Portfolio Segment [Member] | Real Estate [Member]	'	'	'	'	'	'
Loans and allowance for loan losses	'	'	'	'	'	'
Gross loans	44,744,724	'	43,612,578	'	'	'
Commercial Real Estate [Member]	'	'	'	'	'	'
Loans and allowance for loan losses	'	'	'	'	'	'
Gross loans	25,687,500	'	24,705,387	'	'	'
Commercial Real Estate [Member] | Real Estate [Member]	'	'	'	'	'	'
Loans and allowance for loan losses	'	'	'	'	'	'
Gross loans	25,687,500	'	24,705,387	'	'	'
Construction And Land [Member]	'	'	'	'	'	'
Loans and allowance for loan losses	'	'	'	'	'	'
Gross loans	907,987	'	1,618,445	'	'	'
Commercial And Industrial Portfolio Segment [Member]	'	'	'	'	'	'
Loans and allowance for loan losses	'	'	'	'	'	'
Gross loans	4,871,938	'	5,524,011	'	'	'
Less	'	'	'	'	'	'
Allowance for loan losses	131,219	157,510	138,268	217,612	29,298	32,663
Home Equity [Member]	'	'	'	'	'	'
Loans and allowance for loan losses	'	'	'	'	'	'
Gross loans	10,444,882	'	10,984,782	'	'	'
Home Equity [Member] | Consumer Portfolio Segment [Member]	'	'	'	'	'	'
Loans and allowance for loan losses	'	'	'	'	'	'
Gross loans	10,444,882	'	10,984,782	'	'	'
Consumer Other Financing Receivable [Member]	'	'	'	'	'	'
Loans and allowance for loan losses	'	'	'	'	'	'
Gross loans	818,610	'	672,560	'	'	'
Consumer Other Financing Receivable [Member] | Consumer Portfolio Segment [Member]	'	'	'	'	'	'
Loans and allowance for loan losses	'	'	'	'	'	'
Gross loans	818,610	'	672,560	'	'	'
Construction And Land Development [Member] | Real Estate [Member]	'	'	'	'	'	'
Loans and allowance for loan losses	'	'	'	'	'	'
Gross loans	$907,987	'	$1,618,445	'	'	'

Loans_and_Allowance_Details_2

Loans and Allowance (Details 2) (USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Dec. 31, 2013
Allowance for loan losses	'	'	'	'	'
Balance, beginning of period	$1,131,611	$1,499,622	$1,061,141	$1,504,169	'
Provision (credit) for loan losses	'	225,000	'	240,000	'
Loans charged to the allowance	-50,116	-432,751	-71,100	-452,898	'
Recoveries of loans previously charged off	910	575	92,364	1,175	'
Balance, end of period	1,082,405	1,292,446	1,082,405	1,292,446	'
Ending balance: individually evaluated for impairment	10,947	'	10,947	'	22,479
Ending balance: collectively evaluated for impairment	1,071,458	'	1,071,458	'	1,038,662
Loans:	'	'	'	'	'
Ending balance	87,475,641	'	87,475,641	'	87,117,763
Ending balance: individually evaluated for impairment	4,270,933	'	4,270,933	'	5,260,410
Ending balance: collectively evaluated for impairment	83,204,708	'	83,204,708	'	81,857,353
Residential Portfolio Segment [Member]	'	'	'	'	'
Allowance for loan losses	'	'	'	'	'
Balance, beginning of period	221,963	202,813	188,325	243,867	'
Provision (credit) for loan losses	9,981	47,216	62,303	5,862	'
Loans charged to the allowance	'	-123,377	-20,984	-123,377	'
Recoveries of loans previously charged off	310	300	2,610	600	'
Balance, end of period	232,254	126,952	232,254	126,952	'
Ending balance: individually evaluated for impairment	8,860	'	8,860	'	16,704
Ending balance: collectively evaluated for impairment	223,394	'	223,394	'	171,621
Loans:	'	'	'	'	'
Ending balance	44,744,724	'	44,744,724	'	43,612,578
Ending balance: individually evaluated for impairment	2,372,630	'	2,372,630	'	3,245,415
Ending balance: collectively evaluated for impairment	42,372,094	'	42,372,094	'	40,367,163
Commercial Real Estate Portfolio Segment [Member]	'	'	'	'	'
Allowance for loan losses	'	'	'	'	'
Balance, beginning of period	578,929	1,119,815	587,331	1,089,654	'
Provision (credit) for loan losses	-23,566	-43,850	-120,722	-13,689	'
Loans charged to the allowance	'	-244,763	'	-244,763	'
Recoveries of loans previously charged off	600	'	89,354	'	'
Balance, end of period	555,963	831,202	555,963	831,202	'
Ending balance: individually evaluated for impairment	464	'	464	'	3,447
Ending balance: collectively evaluated for impairment	555,499	'	555,499	'	583,884
Loans:	'	'	'	'	'
Ending balance	26,595,487	'	26,595,487	'	26,323,832
Ending balance: individually evaluated for impairment	1,491,408	'	1,491,408	'	1,777,437
Ending balance: collectively evaluated for impairment	25,104,079	'	25,104,079	'	24,546,395
Commercial And Industrial Portfolio Segment [Member]	'	'	'	'	'
Allowance for loan losses	'	'	'	'	'
Balance, beginning of period	157,510	29,298	138,268	32,663	'
Provision (credit) for loan losses	-26,291	188,314	-7,049	184,949	'
Balance, end of period	131,219	217,612	131,219	217,612	'
Ending balance: collectively evaluated for impairment	131,219	'	131,219	'	138,268
Loans:	'	'	'	'	'
Ending balance	4,871,938	'	4,871,938	'	5,524,011
Ending balance: individually evaluated for impairment	164,021	'	164,021	'	'
Ending balance: collectively evaluated for impairment	4,707,917	'	4,707,917	'	5,524,011
Consumer Portfolio Segment [Member]	'	'	'	'	'
Allowance for loan losses	'	'	'	'	'
Balance, beginning of period	173,209	147,696	147,217	137,985	'
Provision (credit) for loan losses	39,876	33,320	65,468	62,878	'
Loans charged to the allowance	-50,116	-64,611	-50,116	-84,758	'
Recoveries of loans previously charged off	'	275	400	575	'
Balance, end of period	162,969	116,680	162,969	116,680	'
Ending balance: individually evaluated for impairment	1,623	'	1,623	'	2,328
Ending balance: collectively evaluated for impairment	161,346	'	161,346	'	144,889
Loans:	'	'	'	'	'
Ending balance	11,263,492	'	11,263,492	'	11,657,342
Ending balance: individually evaluated for impairment	242,874	'	242,874	'	237,558
Ending balance: collectively evaluated for impairment	$11,020,618	'	$11,020,618	'	$11,419,784

Loans_and_Allowance_Details_3

Loans and Allowance (Details 3) (USD $)	6 Months Ended
	Jun. 30, 2014	Dec. 31, 2013
	item
Loans and Allowance	'	'
Period of historic cash flows	'5 years	'
Minimum number of financial or other covenants violated by loans categorized in RISK RATING 4 - WATCH	1	'
Minimum number of financial or other covenants violated by loans categorized in RISK RATING 6 - SUBSTANDARD	1	'
Credit risk profile of loan portfolio	'	'
Total	$87,475,641	$87,117,763
Pass [Member]	'	'
Credit risk profile of loan portfolio	'	'
Total	84,722,673	82,216,751
Special Mention [Member]	'	'
Credit risk profile of loan portfolio	'	'
Total	47,738	1,048,627
Substandard [Member]	'	'
Credit risk profile of loan portfolio	'	'
Total	2,705,230	3,852,385
Residential Portfolio Segment [Member]	'	'
Credit risk profile of loan portfolio	'	'
Total	44,744,724	43,612,578
Residential Portfolio Segment [Member] | Pass [Member]	'	'
Credit risk profile of loan portfolio	'	'
Total	44,354,966	42,899,910
Residential Portfolio Segment [Member] | Substandard [Member]	'	'
Credit risk profile of loan portfolio	'	'
Total	389,758	712,668
Commercial Real Estate [Member]	'	'
Credit risk profile of loan portfolio	'	'
Total	25,687,500	24,705,387
Commercial Real Estate [Member] | Pass [Member]	'	'
Credit risk profile of loan portfolio	'	'
Total	23,602,334	21,414,636
Commercial Real Estate [Member] | Special Mention [Member]	'	'
Credit risk profile of loan portfolio	'	'
Total	47,738	798,627
Commercial Real Estate [Member] | Substandard [Member]	'	'
Credit risk profile of loan portfolio	'	'
Total	2,037,428	2,492,124
Construction And Land [Member]	'	'
Credit risk profile of loan portfolio	'	'
Total	907,987	1,618,445
Construction And Land [Member] | Pass [Member]	'	'
Credit risk profile of loan portfolio	'	'
Total	720,303	1,341,806
Construction And Land [Member] | Special Mention [Member]	'	'
Credit risk profile of loan portfolio	'	'
Total	'	250,000
Construction And Land [Member] | Substandard [Member]	'	'
Credit risk profile of loan portfolio	'	'
Total	187,684	26,639
Commercial And Industrial Portfolio Segment [Member]	'	'
Credit risk profile of loan portfolio	'	'
Total	4,871,938	5,524,011
Commercial And Industrial Portfolio Segment [Member] | Pass [Member]	'	'
Credit risk profile of loan portfolio	'	'
Total	4,871,938	5,059,361
Commercial And Industrial Portfolio Segment [Member] | Substandard [Member]	'	'
Credit risk profile of loan portfolio	'	'
Total	'	464,650
Home Equity [Member]	'	'
Credit risk profile of loan portfolio	'	'
Total	10,444,882	10,984,782
Home Equity [Member] | Pass [Member]	'	'
Credit risk profile of loan portfolio	'	'
Total	10,354,522	10,828,478
Home Equity [Member] | Substandard [Member]	'	'
Credit risk profile of loan portfolio	'	'
Total	90,360	156,304
Consumer Other Financing Receivable [Member]	'	'
Credit risk profile of loan portfolio	'	'
Total	818,610	672,560
Consumer Other Financing Receivable [Member] | Pass [Member]	'	'
Credit risk profile of loan portfolio	'	'
Total	$818,610	$672,560

Loans_and_Allowance_Details_4

Loans and Allowance (Details 4) (USD $)	Jun. 30, 2014	Dec. 31, 2013
Aging analysis of the recorded investment in loans	'	'
30-59 Days Past Due	$1,065,542	$1,672,072
60-89 Days Past Due	707,315	598,403
Greater Than 90 Days	503,781	728,902
Total Past Due	2,276,638	2,999,377
Current	85,199,003	84,118,386
Total Loans	87,475,641	87,117,763
Residential Portfolio Segment [Member]	'	'
Aging analysis of the recorded investment in loans	'	'
30-59 Days Past Due	918,318	1,583,953
60-89 Days Past Due	527,996	537,596
Greater Than 90 Days	389,758	529,097
Total Past Due	1,836,072	2,650,646
Current	42,908,652	40,961,932
Total Loans	44,744,724	43,612,578
Commercial Real Estate [Member]	'	'
Aging analysis of the recorded investment in loans	'	'
60-89 Days Past Due	148,544	'
Greater Than 90 Days	'	16,862
Total Past Due	148,544	16,862
Current	25,538,956	24,688,525
Total Loans	25,687,500	24,705,387
Construction And Land [Member]	'	'
Aging analysis of the recorded investment in loans	'	'
30-59 Days Past Due	'	32,418
60-89 Days Past Due	30,775	'
Greater Than 90 Days	23,663	26,639
Total Past Due	54,438	59,057
Current	853,549	1,559,388
Total Loans	907,987	1,618,445
Commercial And Industrial Portfolio Segment [Member]	'	'
Aging analysis of the recorded investment in loans	'	'
Current	4,871,938	5,524,011
Total Loans	4,871,938	5,524,011
Home Equity [Member]	'	'
Aging analysis of the recorded investment in loans	'	'
30-59 Days Past Due	139,283	54,136
60-89 Days Past Due	'	51,663
Greater Than 90 Days	90,360	156,304
Total Past Due	229,643	262,103
Current	10,215,239	10,722,679
Total Loans	10,444,882	10,984,782
Consumer Other Financing Receivable [Member]	'	'
Aging analysis of the recorded investment in loans	'	'
30-59 Days Past Due	7,941	1,565
60-89 Days Past Due	'	9,144
Total Past Due	7,941	10,709
Current	810,669	661,851
Total Loans	$818,610	$672,560

Loans_and_Allowance_Details_5

Loans and Allowance (Details 5) (USD $)	Jun. 30, 2014	Dec. 31, 2013
Nonaccrual loans	'	'
Total	$2,472,287	$2,313,280
Residential Portfolio Segment [Member]	'	'
Nonaccrual loans	'	'
Total	1,304,353	1,237,062
Commercial Real Estate [Member]	'	'
Nonaccrual loans	'	'
Total	764,750	841,612
Construction And Land [Member]	'	'
Nonaccrual loans	'	'
Total	187,684	26,639
Home Equity [Member]	'	'
Nonaccrual loans	'	'
Total	$215,500	$207,967

Loans_and_Allowance_Details_6

Loans and Allowance (Details 6) (USD $)	Jun. 30, 2014	Dec. 31, 2013
Impaired loans without a specific allowance:	'	'
Recorded investment	$2,827,456	$3,138,333
Unpaid principal balance	3,057,820	3,401,714
Impaired loans with a specific allowance:	'	'
Recorded investment	1,443,477	2,122,077
Unpaid principal balance	1,487,226	2,296,637
Specific allowance	10,947	22,479
Total impaired loans:	'	'
Recorded investment	4,270,933	5,260,410
Unpaid principal balance	4,545,046	5,698,351
Specific allowance	10,947	22,479
Residential Portfolio Segment [Member]	'	'
Impaired loans without a specific allowance:	'	'
Recorded investment	1,119,017	1,904,315
Unpaid principal balance	1,242,279	2,008,561
Impaired loans with a specific allowance:	'	'
Recorded investment	1,253,613	1,341,100
Unpaid principal balance	1,295,290	1,376,123
Specific allowance	8,860	16,704
Total impaired loans:	'	'
Recorded investment	2,372,630	3,245,415
Unpaid principal balance	2,537,569	3,384,684
Specific allowance	8,860	16,704
Commercial Real Estate [Member]	'	'
Impaired loans without a specific allowance:	'	'
Recorded investment	1,459,307	1,063,947
Unpaid principal balance	1,554,716	1,222,080
Impaired loans with a specific allowance:	'	'
Recorded investment	32,101	543,419
Unpaid principal balance	32,101	680,219
Specific allowance	464	3,447
Total impaired loans:	'	'
Recorded investment	1,491,408	1,607,366
Unpaid principal balance	1,586,817	1,902,299
Specific allowance	464	3,447
Construction And Land [Member]	'	'
Impaired loans without a specific allowance:	'	'
Recorded investment	164,021	170,071
Unpaid principal balance	171,072	171,073
Total impaired loans:	'	'
Recorded investment	164,021	170,071
Unpaid principal balance	171,072	171,073
Home Equity [Member]	'	'
Impaired loans without a specific allowance:	'	'
Recorded investment	85,111	'
Unpaid principal balance	89,753	'
Impaired loans with a specific allowance:	'	'
Recorded investment	157,763	237,558
Unpaid principal balance	159,835	240,295
Specific allowance	1,623	2,328
Total impaired loans:	'	'
Recorded investment	242,874	237,558
Unpaid principal balance	249,588	240,295
Specific allowance	$1,623	$2,328

Loans_and_Allowance_Details_7

Loans and Allowance (Details 7) (USD $)	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Dec. 31, 2013
Average recorded investment and interest income recognized	'	'	'	'	'
Average recorded investment in impaired loans	$3,990,706	$5,849,814	$4,032,038	$6,352,913	'
Interest income recognized	20,815	40,626	38,212	62,076	130,035
Residential Portfolio Segment [Member]	'	'	'	'	'
Average recorded investment and interest income recognized	'	'	'	'	'
Average recorded investment in impaired loans	2,304,116	2,251,561	2,326,988	2,542,282	'
Commercial Real Estate [Member]	'	'	'	'	'
Average recorded investment and interest income recognized	'	'	'	'	'
Average recorded investment in impaired loans	1,281,992	2,390,975	1,300,422	2,828,422	'
Construction And Land [Member]	'	'	'	'	'
Average recorded investment and interest income recognized	'	'	'	'	'
Average recorded investment in impaired loans	165,551	382,525	167,047	526,533	'
Commercial And Industrial Portfolio Segment [Member]	'	'	'	'	'
Average recorded investment and interest income recognized	'	'	'	'	'
Average recorded investment in impaired loans	'	637,630	'	322,261	'
Home Equity [Member]	'	'	'	'	'
Average recorded investment and interest income recognized	'	'	'	'	'
Average recorded investment in impaired loans	$239,047	$187,123	$237,581	$133,415	'

Loans_and_Allowance_Details_8

Loans and Allowance (Details 8) (USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
		item	item	item
Troubled debt restructurings	'	'	'	'
Number of Loans	'	1	1	1
Pre-Modification Recorded Balance	'	$502,764	$61,000	$502,764
Post-Modification Recorded Balance	'	308,000	61,000	308,000
Increase in the allowance for loan losses	178	0	'	'
Charge offs in the troubled debt restructurings	19,937	0	19,937	0
Recorded Balance	'	'	'	782,739
Troubled debt restructuring	61,000	308,000	61,000	308,000
Term Modification [Member]	'	'	'	'
Troubled debt restructurings	'	'	'	'
Post-Modification Recorded Balance	'	'	61,000	308,000
Combination Modification [Member]	'	'	'	'
Troubled debt restructurings	'	'	'	'
Number of Loans	'	'	'	2
Residential Portfolio Segment [Member]	'	'	'	'
Troubled debt restructurings	'	'	'	'
Number of Loans	'	'	1	'
Pre-Modification Recorded Balance	'	'	61,000	'
Post-Modification Recorded Balance	'	'	61,000	'
Troubled debt restructuring	61,000	308,000	61,000	308,000
Residential Portfolio Segment [Member] | Term Modification [Member]	'	'	'	'
Troubled debt restructurings	'	'	'	'
Post-Modification Recorded Balance	'	'	61,000	308,000
Commercial Real Estate [Member]	'	'	'	'
Troubled debt restructurings	'	'	'	'
Number of Loans	'	1	'	1
Pre-Modification Recorded Balance	'	502,764	'	502,764
Post-Modification Recorded Balance	'	308,000	'	308,000
Recorded Balance	'	'	'	$782,739
Commercial Real Estate [Member] | Combination Modification [Member]	'	'	'	'
Troubled debt restructurings	'	'	'	'
Number of Loans	'	'	'	2

Disclosures_about_Fair_Value_o2

Disclosures about Fair Value of Assets and Liabilities (Details) (USD $)	Jun. 30, 2014	Dec. 31, 2013
Recurring Measurements	'	'
Available-for-sale securities	$13,415,013	$15,593,540
Mortgage servicing rights	136,280	148,171
U S Government Agencies Debt Securities [Member]	'	'
Recurring Measurements	'	'
Available-for-sale securities	4,936,905	6,441,138
U S States And Political Subdivisions [Member]	'	'
Recurring Measurements	'	'
Available-for-sale securities	3,362,026	3,337,725
Mortgage Backed Securities Issued By U S Government Sponsored Enterprises [Member]	'	'
Recurring Measurements	'	'
Available-for-sale securities	3,813,856	4,231,130
Collateralized Debt Obligations Issued By U S Government Sponsored Enterprises [Member]	'	'
Recurring Measurements	'	'
Available-for-sale securities	1,302,226	1,583,547
Fair Value Inputs Level3 [Member]	'	'
Recurring Measurements	'	'
Mortgage servicing rights	529,817	543,975
Fair Value Measurements Recurring [Member] | Estimate Of Fair Value Fair Value Disclosure [Member]	'	'
Recurring Measurements	'	'
Mortgage servicing rights	136,280	148,171
Fair Value Measurements Recurring [Member] | Estimate Of Fair Value Fair Value Disclosure [Member] | U S Government Agencies Debt Securities [Member]	'	'
Recurring Measurements	'	'
Available-for-sale securities	4,936,905	6,441,138
Fair Value Measurements Recurring [Member] | Estimate Of Fair Value Fair Value Disclosure [Member] | U S States And Political Subdivisions [Member]	'	'
Recurring Measurements	'	'
Available-for-sale securities	3,362,026	3,337,725
Fair Value Measurements Recurring [Member] | Estimate Of Fair Value Fair Value Disclosure [Member] | Mortgage Backed Securities Issued By U S Government Sponsored Enterprises [Member]	'	'
Recurring Measurements	'	'
Available-for-sale securities	3,813,856	4,231,130
Fair Value Measurements Recurring [Member] | Estimate Of Fair Value Fair Value Disclosure [Member] | Collateralized Debt Obligations Issued By U S Government Sponsored Enterprises [Member]	'	'
Recurring Measurements	'	'
Available-for-sale securities	1,302,226	1,583,547
Fair Value Measurements Recurring [Member] | Fair Value Inputs Level2 [Member] | U S Government Agencies Debt Securities [Member]	'	'
Recurring Measurements	'	'
Available-for-sale securities	4,936,905	6,441,138
Fair Value Measurements Recurring [Member] | Fair Value Inputs Level2 [Member] | U S States And Political Subdivisions [Member]	'	'
Recurring Measurements	'	'
Available-for-sale securities	3,362,026	3,337,725
Fair Value Measurements Recurring [Member] | Fair Value Inputs Level2 [Member] | Mortgage Backed Securities Issued By U S Government Sponsored Enterprises [Member]	'	'
Recurring Measurements	'	'
Available-for-sale securities	3,813,856	4,231,130
Fair Value Measurements Recurring [Member] | Fair Value Inputs Level2 [Member] | Collateralized Debt Obligations Issued By U S Government Sponsored Enterprises [Member]	'	'
Recurring Measurements	'	'
Available-for-sale securities	1,302,226	1,583,547
Fair Value Measurements Recurring [Member] | Fair Value Inputs Level3 [Member]	'	'
Recurring Measurements	'	'
Mortgage servicing rights	$136,280	$148,171

Disclosures_about_Fair_Value_o3

Disclosures about Fair Value of Assets and Liabilities (Details 2) (Mortgage Servicing Rights [Member], USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Mortgage Servicing Rights [Member]	'	'	'	'
Reconciliation of the beginning and ending balances of recurring fair value measurements recognized using significant unobservable (Level 3) inputs	'	'	'	'
Balance at the beginning of period	$138,288	$203,114	$148,171	$230,655
Total changes in fair value included in earnings	-2,006	-27,541	-11,889	-55,082
Balance at the end of period	$136,282	$175,573	$136,282	$175,573

Disclosures_about_Fair_Value_o4

Disclosures about Fair Value of Assets and Liabilities (Details 3) (Fair Value Measurements Nonrecurring [Member], USD $)	Jun. 30, 2014	Dec. 31, 2013
Estimate Of Fair Value Fair Value Disclosure [Member] | Other Real Estate Owned [Member]	'	'
Nonrecurring Measurements	'	'
Assets measured at fair value	'	$234,000
Estimate Of Fair Value Fair Value Disclosure [Member] | Collateral Dependent Impaired Loans [Member]	'	'
Nonrecurring Measurements	'	'
Assets measured at fair value	1,432,530	2,099,598
Fair Value Inputs Level3 [Member] | Other Real Estate Owned [Member]	'	'
Nonrecurring Measurements	'	'
Assets measured at fair value	'	234,000
Fair Value Inputs Level3 [Member] | Collateral Dependent Impaired Loans [Member]	'	'
Nonrecurring Measurements	'	'
Assets measured at fair value	$1,432,530	$2,099,598

Disclosures_about_Fair_Value_o5

Disclosures about Fair Value of Assets and Liabilities (Details 4) (Fair Value Inputs Level3 [Member], USD $)	6 Months Ended	12 Months Ended
	Jun. 30, 2014	Dec. 31, 2013
Other Real Estate Owned [Member] | Market Approach Valuation Technique [Member]	'	'
Quantitative information about unobservable inputs	'	'
Fair Value	'	234,000
Collateral Dependent Impaired Loans [Member] | Market Approach Valuation Technique [Member]	'	'
Quantitative information about unobservable inputs	'	'
Fair Value	1,432,530	2,099,598
Collateral Dependent Impaired Loans [Member] | Market Approach Valuation Technique [Member] | Minimum [Member]	'	'
Quantitative information about unobservable inputs	'	'
Marketability discount (as a percent)	10.00%	10.00%
Collateral Dependent Impaired Loans [Member] | Market Approach Valuation Technique [Member] | Maximum [Member]	'	'
Quantitative information about unobservable inputs	'	'
Marketability discount (as a percent)	15.00%	15.00%
Collateral Dependent Impaired Loans [Member] | Market Approach Valuation Technique [Member] | Weighted Average [Member]	'	'
Quantitative information about unobservable inputs	'	'
Marketability discount (as a percent)	12.00%	12.00%
Mortgage Servicing Rights [Member] | Discounted Cash Flow Valuation Technique [Member]	'	'
Quantitative information about unobservable inputs	'	'
Fair Value	136,280	148,171
Mortgage Servicing Rights [Member] | Discounted Cash Flow Valuation Technique [Member] | Minimum [Member]	'	'
Quantitative information about unobservable inputs	'	'
Constant prepayment rate (as a percent)	14.00%	14.00%
Probability of default (as a percent)	1.00%	1.00%
Discount rate (as a percent)	5.80%	5.80%
Mortgage Servicing Rights [Member] | Discounted Cash Flow Valuation Technique [Member] | Maximum [Member]	'	'
Quantitative information about unobservable inputs	'	'
Constant prepayment rate (as a percent)	24.00%	24.00%
Probability of default (as a percent)	8.00%	8.00%
Discount rate (as a percent)	12.90%	12.90%
Mortgage Servicing Rights [Member] | Discounted Cash Flow Valuation Technique [Member] | Weighted Average [Member]	'	'
Quantitative information about unobservable inputs	'	'
Constant prepayment rate (as a percent)	19.20%	19.20%
Probability of default (as a percent)	3.20%	5.80%
Discount rate (as a percent)	8.40%	8.40%

Disclosures_about_Fair_Value_o6

Disclosures about Fair Value of Assets and Liabilities (Details 5) (USD $)	Jun. 30, 2014	Dec. 31, 2013
Financial assets	'	'
Accrued interest receivable	$301,539	$312,615
Mortgage servicing rights	136,280	148,171
Fair Value Inputs Level1 [Member]	'	'
Financial assets	'	'
Cash and cash equivalents	9,619,543	10,322,076
Financial liabilities	'	'
Deposits	10,250,247	12,188,447
Fair Value Inputs Level2 [Member]	'	'
Financial assets	'	'
FHLB Stock	1,408,200	1,408,200
Loans held for sale	761,491	'
Accrued interest receivable	301,539	312,615
Financial liabilities	'	'
Deposits	83,051,273	96,083,579
FHLB advances	10,104,000	'
Accrued interest payable	36,658	1,032
Fair Value Inputs Level3 [Member]	'	'
Financial assets	'	'
Loans	86,873,000	86,442,000
Mortgage servicing rights	529,817	543,975
Carrying Reported Amount Fair Value Disclosure [Member]	'	'
Financial assets	'	'
Cash and cash equivalents	9,619,543	10,322,076
FHLB Stock	1,408,200	1,408,200
Loans held for sale	761,491	'
Loans	86,411,637	86,092,038
Accrued interest receivable	301,539	312,615
Mortgage servicing rights	327,824	364,999
Financial liabilities	'	'
Deposits	93,171,520	108,071,026
FHLB advances	10,000,000	'
Accrued interest payable	$36,658	$1,032

Earnings_Loss_Per_Share_Detail

Earnings (Loss) Per Share (Details) (USD $)	3 Months Ended			6 Months Ended
	Jun. 30, 2014	Mar. 31, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Earnings (Loss) Per Share	'	'	'	'	'
Net Loss	($175,468)	($175,468)	($371,418)	($421,894)	($497,704)
Shares outstanding for basic EPS:	'	'	'	'	'
Average shares outstanding	'	667,898	'	612,547	'
Less: Average unearned ESOP shares	'	52,713	'	48,550	'
Average shares outstanding	'	615,185	'	563,997	'
Shares outstanding for basic and diluted EPS	'	615,185	'	563,997	'
Basic and diluted loss per share (in dollars per share)	($0.29)	($0.29)	'	($0.75)	'