Consolidated Statements of Cash Flows (Unaudited) - USD ($)	6 Months Ended
	Jun. 30, 2019	Jun. 30, 2018
CASH FLOWS FROM OPERATING ACTIVITIES:
Net Income	$ 3,972,904	$ 3,550,071
Adjustments To Reconcile Net Income To Net Cash Provided By Operating Activities:
Depreciation Expense	781,982	704,130
Discount Accretion and Premium Amortization	2,636,812	2,917,979
Provision for Loan Losses	100,000	0
Earnings on BOLI	(270,000)	(270,000)
Gain on Sales of Loans	(546,331)	(653,649)
Gain on Sales of Mortgage-Backed Securities (MBS)	(2,459)	(181,034)
Gain on Sales of Investment Securities	(958,443)	(255,270)
Gain on Sales of OREO	(137,274)	(307,316)
Write Down on OREO	14,000	50,000
Amortization of Operating Lease ROU Asset	188,759
Amortization of Deferred Loan Costs	89,585	39,554
Proceeds From Sale of Loans Held For Sale	19,548,315	24,602,224
Origination of Loans Held For Sale	(20,970,814)	(23,426,657)
Decrease (Increase) in Accrued Interest Receivable:
Loans	48,723	13,235
MBS	(16,278)	44,299
Investment Securities	109,588	(11,590)
Increase in Advance Payments By Borrowers	271,370	294,178
Decrease in Other, Net	(2,678)	(340,203)
Net Cash Provided By Operating Activities	4,857,761	6,769,951
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchase of MBS AFS	(71,340,833)	(21,859,860)
Proceeds from Payments and Maturities of MBS AFS	16,427,795	18,844,610
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	250,005	0
Proceeds from Maturities, Prepayments and Calls of Mortgage Backed Securities (MBS)	1,020,431	1,564,802
Purchase of Investment Securities AFS	(67,023,891)	(27,418,272)
Proceeds from Sale, Maturity and Collection of Investments	17,308,244	16,336,240
Proceeds From Sale of Investment Securities Available For Sale	35,174,873	11,563,456
Proceeds From Sale Of Mortgage-Backed Securities Available For Sale	26,770,329	17,007,024
Purchase of FHLB Stock	(4,517,900)	(4,080,600)
Redemption of FHLB Stock	3,320,700	4,512,200
Payment to Acquire Life Insurance Policy, Investing Activities	0	(1,900,000)
Increase (Decrease) In Loans Receivable	(10,545,706)	(40,310,177)
Proceeds From Sale of OREO	914,376	599,434
Purchase and Improvement of Premises and Equipment	(2,112,625)	(884,239)
Net Cash Used By Investing Activities	(54,354,202)	(24,025,382)
CASH FLOWS FROM FINANCING ACTIVITIES:
Increase in Deposit Accounts	18,952,122	36,399,604
Proceeds from FHLB Advances	143,080,000	150,778,000
Repayment of FHLB Advances	(116,410,000)	(162,023,000)
Proceeds from (Repayments of) Other Debt	5,055,157	2,829,389
Repayments of Notes Payable	(2,362,500)	(3,400,000)
Proceeds from Stock Options Exercised	0	10,310
Proceeds from Stock Plans	26,795	0
Dividends to Common Stock Shareholders	(532,016)	(531,787)
Net Cash Provided By Financing Activities	47,809,558	24,062,516
Net (Decrease) Increase in Cash and Cash Equivalents	(1,686,883)	6,807,085
Cash and Cash Equivalents at Beginning of Period	12,705,910	10,319,624
Cash and Cash Equivalents at End of Period	11,019,027	17,126,709
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Cash Paid for Interest	3,531,407	2,450,522
Cash Paid for Income Taxes	746,541	422,273
Non-Cash Transactions:
Transfers From Loans Receivable to OREO	$ 802,800	$ 315,550