Consolidated Balance Sheets - USD ($)	Dec. 31, 2018	Dec. 31, 2017
ASSETS
Cash and due from banks	$ 5,818,955	$ 4,094,694
Interest-bearing demand deposits in other financial institutions	28,302,687	33,312,236
Cash and cash equivalents	34,121,642	37,406,930
Interest-bearing time deposits in other financial institutions	250,000
Available-for-sale securities	86,266,197	81,478,673
Held-to-maturity securities	11,794	16,457
Stock in Federal Home Loan Bank, at cost	5,387,200	4,597,500
Mortgage loans held for sale	1,516,849	1,921,819
Loans receivable, net of allowance for loan losses at December 31, 2018 and 2017 - $7,995,569 and $7,107,418, respectively	778,298,606	629,605,009
Accrued interest receivable	3,390,944	2,449,847
Prepaid expenses and other assets	6,249,365	3,846,686
Goodwill	1,434,982
Core deposit intangible	2,980,910
Foreclosed assets held for sale	1,126,963	282,785
Premises and equipment, net	20,095,161	10,607,094
Bank owned life insurance	20,198,074	19,740,623
Deferred and receivable income taxes	3,809,183	2,506,097
	965,137,870	794,459,520
LIABILITIES
Deposits	749,618,822	607,364,350
Federal Home Loan Bank advances	105,300,000	94,300,000
Subordinated debentures	21,760,829	15,465,000
Note payable to bank	5,000,000
Advances from borrowers for taxes and insurance	289,808	180,269
Accrued expenses and other liabilities	1,868,008	1,962,865
Accrued interest payable	821,811	295,543
	884,659,278	719,568,027
COMMITMENTS AND CONTINGENCIES
STOCKHOLDERS' EQUITY
Common stock, $0.10 par value; authorized 10,000,000 shares; issued December 31, 2018 and 2017 - 6,902,003 and 6,878,503 shares, respectively	690,200	687,850
Additional paid-in capital	51,382,585	50,856,069
Retained earnings, substantially restricted	65,829,687	60,679,308
Accumulated other comprehensive loss	(452,756)	(206,193)
	117,449,716	112,017,034
Treasury stock, at cost; December 31, 2018 and 2017 - 2,443,522 and 2,453,728 shares, respectively	(36,971,124)	(37,125,541)
	80,478,592	74,891,493
	$ 965,137,870	$ 794,459,520