Consolidated Statements of Cash Flows (Unaudited) - USD ($)	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
CASH FLOWS FROM OPERATING ACTIVITIES:
Net Income	$ 2,088,873	$ 1,730,117
Adjustments To Reconcile Net Income To Net Cash Provided By Operating Activities:
Depreciation Expense	390,743	358,865
Discount Accretion and Premium Amortization	1,292,404	1,466,178
Provision for Loan Losses	100,000	0
Earnings on BOLI	(135,000)	(135,000)
Gain on Sales of Loans	(174,283)	(286,003)
Gain on Sales of Mortgage-Backed Securities (MBS)	0	(181,034)
Gain on Sales of Investment Securities	(290,768)	(255,270)
Gain on Sales of OREO	(110,302)	(11,846)
Write Down on OREO	0	10,000
Amortization of Deferred Loan Costs	41,739	16,384
Proceeds From Sale of Loans Held For Sale	7,131,184	10,210,795
Origination of Loans Held For Sale	(7,611,361)	(9,280,320)
(Increase) Decrease in Accrued Interest Receivable:
Loans	(71,426)	(153,927)
MBS	(12,411)	44,673
Investment Securities	(2,704)	108,442
Increase in Advance Payments By Borrowers	154,037	157,842
Decrease in Other, Net	736,821	438,231
Net Cash Provided By Operating Activities	3,625,687	4,238,127
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchase of MBS AFS	(13,971,139)	(10,238,188)
Proceeds from Payments and Maturities of MBS AFS	7,665,227	9,160,773
Proceeds from Payments and Maturities of MBS Held To Maturity (HTM)	0
Proceeds from Maturities, Prepayments and Calls of Long-term Investments		2,000,000
Proceeds from (Payments for) in Interest-bearing Deposits in Banks	250,000	0
Proceeds from Maturities, Prepayments and Calls of Mortgage Backed Securities (MBS)	149,162	724,785
Purchase of Investment Securities AFS	(21,531,244)	(14,115,856)
Proceeds from Sale, Maturity and Collection of Investments	7,989,484	7,736,448
Proceeds From Sale of Investment Securities Available For Sale	6,555,400	11,563,456
Proceeds From Sale Of Mortgage-Backed Securities Available For Sale	0	17,007,024
Purchase of FHLB Stock	(1,698,100)	(2,186,200)
Redemption of FHLB Stock	1,975,700	2,585,300
Increase (Decrease) In Loans Receivable	812,445	(26,711,520)
Proceeds From Sale of OREO	463,603	122,261
Purchase and Improvement of Premises and Equipment	(1,435,353)	(401,741)
Net Cash Used By Investing Activities	(12,774,815)	(2,753,458)
CASH FLOWS FROM FINANCING ACTIVITIES:
Increase in Deposit Accounts	21,351,459	14,559,833
Proceeds from FHLB Advances	54,180,000	80,660,000
Repayment of FHLB Advances	(62,210,000)	(91,340,000)
Proceeds from (Repayments of) Other Debt	3,345,823	2,472,293
Repayments of Notes Payable	(850,000)	(2,300,000)
Proceeds from Stock Options Exercised	0	8,019
Proceeds from Stock Plans	12,009	0
Dividends to Common Stock Shareholders	(265,982)	(265,889)
Net Cash Provided By Financing Activities	15,563,309	3,794,256
Net Increase in Cash and Cash Equivalents	6,414,181	5,278,925
Cash and Cash Equivalents at Beginning of Period	12,705,910	10,319,624
Cash and Cash Equivalents at End of Period	19,120,091	15,598,549
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Cash Paid for Interest	1,401,916	1,033,699
Non-Cash Transactions:
Transfers From Loans Receivable to OREO	$ 440,200	$ 78,600