Consolidated Balance Sheets - USD ($)	Dec. 31, 2021	Dec. 31, 2020
ASSETS
Cash and due from banks	$ 8,181,964	$ 6,366,370
Interest-bearing demand deposits in other financial institutions	122,464,075	142,056,538
Cash and cash equivalents	130,646,039	148,422,908
Interest-bearing time deposits at other financial institutions	250,000	4,760,089
Available-for-sale securities	151,402,498	164,120,869
Stock in Federal Home Loan Bank, at cost	2,088,100	3,896,900
Mortgage loans held for sale	3,245,034	11,359,174
Loans receivable, net of allowance for loan losses of December 31, 2021 and 2020 - $10,588,562 and $9,617,024, respectively	811,512,612	742,149,271
Accrued interest receivable	3,581,835	4,060,795
Prepaid expenses and other assets	7,586,407	7,741,903
Goodwill	1,434,982	1,434,982
Core deposit intangible	1,549,910	2,026,910
Foreclosed assets held for sale	100,000	546,450
Premises and equipment, net	16,785,390	17,898,409
Operating lease right-of-use asset	8,034,417	8,469,661
Bank owned life insurance	31,924,624	25,294,780
Deferred and receivable income taxes	2,768,456	4,069,838
Assets, Total	1,172,910,304	1,146,252,939
LIABILITIES
Deposits	1,016,318,755	938,672,541
Federal Home Loan Bank advances	16,000,000	66,000,000
Advances from borrowers for taxes and insurance	218,905	218,846
Accrued expenses and other liabilities	4,355,661	7,870,991
Operating lease liabilities	8,164,317	8,560,892
Accrued interest payable	468,959	932,172
Liabilities, Total	1,075,446,173	1,057,284,573
COMMITMENTS AND CONTINGENCIES	0	0
STOCKHOLDERS' EQUITY
Common stock, $0.10 par value; authorized 10,000,000 shares; issued December 31, 2021 and 2020 - 6,919,503 and 6,919,503 shares; respectively	691,950	691,950
Additional paid-in capital	51,536,205	51,337,219
Retained earnings, substantially restricted	85,081,199	77,073,707
Accumulated other comprehensive loss	(50,427)	(53,378)
Stockholders' Equity before Treasury Stock	137,258,927	129,049,498
Treasury stock, at cost; December 31, 2021 and 2020 - 2,535,619 and 2,553,851 shares, respectively	(39,794,796)	(40,081,132)
Stockholders' Equity Attributable to Parent, Ending Balance	97,464,131	88,968,366
Liabilities and Equity, Total	1,172,910,304	1,146,252,939
Subordinated Debentures Issued to Capital Trusts [Member]
LIABILITIES
Subordinated Debt, Ending Balance	10,310,000	15,465,000
Subordinated Notes, Net [Member]
LIABILITIES
Subordinated Debt, Ending Balance	$ 19,609,576	$ 19,564,131