Consolidated Statements of Cash Flows (Unaudited) - USD ($)	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Cash Flows from Operating Activities:
Net income	$ (3,338,761)	$ (2,405,542)
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization, bank premises and equipment	276,656	285,202
Provision for credit losses	286,526	862,500
Deferred income tax	(68,835)	47,344
Gain on sale of loans	(29,331)	(102,945)
Income from CFS Partners	(252,051)	(225,870)
Amortization of bond premium, net	66,815	186,967
Proceeds from sales of loans held for sale	1,637,381	4,725,711
Originations of loans held for sale	(1,608,050)	(4,529,766)
Increase in taxes payable	778,860	408,593
Decrease (increase) in interest receivable	103,159	(318,578)
Decrease (increase) in mortgage servicing rights	23,370	(2,374)
Decrease in right-of-use assets	50,321	49,669
Decrease in operating lease liabilities	(53,751)	(51,283)
Increase in other assets	(72,609)	(173,852)
Increase in cash surrender value of BOLI	19,615	20,060
Amortization of limited partnerships	67,128	67,092
Change in net deferred loan fees and costs	(16,336)	(312,318)
Decrease in interest payable	(2,485)	(1,332)
Decrease in accrued expenses	(1,040,367)	(567,062)
Increase (decrease) in other liabilities	73,186	(24,896)
Net cash provided by operating activities	3,538,733	2,708,284
Investments - AFS
Maturities, calls, pay downs and sales	3,555,278	4,434,388
Purchases	0	(19,103,623)
Proceeds from redemption of restricted equity securities	67,800	43,500
Purchases of restricted equity securitie	(92,600)	0
Increase in loans, net	(10,074,935)	(6,998,537)
Capital expenditures net of proceeds from sales of bank
Premises and equipment	158,971	70,686
Recoveries of loans charged off	132,860	11,780
Net cash used in investing activities	(6,571,568)	(21,683,178)
Cash Flows from Financing Activities:
Net decrease in demand and interest-bearing transaction accounts	29,855,106	12,916,068
Net (decrease) increase in money market and savings accounts	(8,183,145)	10,606,091
Net increase in time deposits	3,611,070	210,469
Net increase (decrease) in repurchase agreements	4,980,207	(3,865,864)
Decrease in finance lease obligations	(54,493)	(52,807)
Dividends paid on preferred stock	(28,125)	(12,188)
Dividends paid on common stock	(932,901)	(900,893)
Net cash used in financing activities	(30,462,493)	(6,931,260)
Net decrease in cash and cash equivalents	(33,495,328)	(25,906,154)
Cash and cash equivalents:
Beginning	71,140,328	110,358,926
Ending	37,645,000	84,452,772
Supplemental Schedule of Cash Paid During the Period:
Interest	2,249,345	694,648
Supplemental Schedule of Noncash Investing and Financing Activities:
Change in unrealized gain (loss) on securities AFS	3,383,314	(11,069,161)
Common Shares Dividends Paid:
Dividends declared	1,250,794	1,236,880
Decrease (increase) in dividends payable attributable to dividends declared	1,984	(63,304)
Dividends reinvested	(319,877)	(272,683)
Total dividends paid	$ 932,901	$ 900,893