Consolidated Balance Sheets - USD ($)	Dec. 31, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks	$ 6,366,370	$ 5,114,067
Interest-bearing demand deposits in other financial institutions	142,056,538	87,557,842
Cash and cash equivalents	148,422,908	92,671,909
Interest-bearing time deposits at other financial institutions	4,760,089	250,000
Available-for-sale securities	164,120,869	118,245,314
Stock in Federal Home Loan Bank, at cost	3,896,900	3,757,500
Mortgage loans held for sale	11,359,174	2,786,564
Loans receivable, net of allowance for loan losses of December 31, 2020 and 2019 - $9,617,024 and $7,607,587, respectively	742,149,271	720,732,402
Accrued interest receivable	4,060,795	3,511,875
Prepaid expenses and other assets	7,741,903	8,862,954
Goodwill	1,434,982	1,434,982
Core deposit intangible	2,026,910	2,503,910
Foreclosed assets held for sale	546,450	991,885
Premises and equipment, net	17,898,409	19,164,496
Operating lease right-of-use asset	8,469,661	9,052,941
Bank owned life insurance	25,294,780	24,698,438
Deferred and receivable income taxes	4,069,838	3,359,455
Assets, Total	1,146,252,939	1,012,024,625
LIABILITIES
Deposits	938,672,541	821,406,532
Federal Home Loan Bank advances	66,000,000	65,000,000
Note payable to bank	0	11,200,000
Advances from borrowers for taxes and insurance	218,846	268,200
Accrued expenses and other liabilities	7,870,991	4,153,762
Operating lease liabilities	8,560,892	9,105,503
Accrued interest payable	932,172	793,746
Liabilities, Total	1,057,284,573	927,392,743
COMMITMENTS AND CONTINGENCIES
STOCKHOLDERS' EQUITY
Common stock, $0.10 par value; authorized 10,000,000 shares; issued December 31, 2020 and 2019 - 6,919,503 and 6,919,503 shares; respectively	691,950	691,950
Additional paid-in capital	51,337,219	51,908,867
Retained earnings, substantially restricted	77,073,707	72,860,750
Accumulated other comprehensive loss	(53,378)	(431,035)
Stockholders' Equity before Treasury Stock	129,049,498	125,030,532
Treasury stock, at cost; December 31, 2020 and 2019 - 2,553,851 and 2,582,041 shares, respectively	(40,081,132)	(40,398,650)
Stockholders' Equity Attributable to Parent, Ending Balance	88,968,366	84,631,882
Liabilities and Equity, Total	1,146,252,939	1,012,024,625
Subordinated Debentures Issued to Capital Trusts [Member]
LIABILITIES
Subordinated Debt, Ending Balance	15,465,000	15,465,000
Subordinated Notes, Net [Member]
LIABILITIES
Subordinated Debt, Ending Balance	$ 19,564,131	$ 0