Consolidated Statements of Cash Flows (Unaudited) - USD ($)	9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018
CASH FLOWS FROM OPERATING ACTIVITIES:
Net Income	$ 6,192,371	$ 5,657,763
Adjustments To Reconcile Net Income To Net Cash Provided By Operating Activities:
Depreciation Expense	1,167,945	1,062,542
Discount Accretion and Premium Amortization	3,925,218	4,271,865
Provision for Loan Losses	175,000	150,000
Earnings on BOLI	(405,000)	(405,000)
Proceeds from Insurance Settlement, Operating Activities	(138,609)
Payments for (Proceeds from) Life Insurance Policies		0
Gain on Sales of Loans	(1,126,551)	(999,045)
Gain on Sales of Mortgage-Backed Securities (MBS)	(98,515)	(181,034)
Gain on Sales of Investment Securities	(958,443)	(255,270)
Gain on Sales of OREO	(181,552)	(547,685)
Write Down on OREO	22,000	56,000
Amortization of Operating Lease ROU Asset	279,355
Amortization of Deferred Loan Costs	138,045	73,163
Proceeds From Sale of Loans Held For Sale	39,321,961	38,316,435
Origination of Loans Held For Sale	(40,096,301)	(35,002,538)
Decrease (Increase) in Accrued Interest Receivable:
Loans	107,831	(129,675)
MBS	(10,135)	11,356
Investment Securities	149,756	(50,354)
Increase in Advance Payments By Borrowers	340,603	363,864
Decrease in Other, Net	(394,763)	(134,725)
Net Cash Provided By Operating Activities	8,410,216	12,257,662
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchase of MBS AFS	(97,828,479)	(41,314,618)
Proceeds from Payments and Maturities of MBS AFS	60,486,276	45,040,636
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)	2,057,157	2,536,945
Purchase of Investment Securities AFS	(70,741,583)	(38,965,898)
Proceeds from Sale, Maturity and Collection of Investments	61,847,936	35,120,779
Purchase of FHLB Stock	(7,365,500)	(4,194,300)
Redemption of FHLB Stock	6,716,600	4,640,500
Payment to Acquire Life Insurance Policy, Investing Activities	0	(1,900,000)
Proceeds from Insurance Settlement, Investing Activities	414,855	0
Increase (Decrease) In Loans Receivable	(22,802,932)	(36,340,156)
Proceeds From Sale of OREO	981,254	1,064,664
Purchase and Improvement of Premises and Equipment	(3,371,158)	(2,325,360)
Net Cash Used By Investing Activities	(69,355,569)	(34,636,808)
CASH FLOWS FROM FINANCING ACTIVITIES:
Increase in Deposit Accounts	47,123,659	48,891,690
Proceeds from FHLB Advances	228,708,000	160,083,000
Repayment of FHLB Advances	(214,938,000)	(172,763,000)
Proceeds from (Repayments of) Other Debt	4,290,095	1,345,109
Repayments of Notes Payable	(2,362,500)	(4,600,000)
Proceeds from Stock Options Exercised	0	10,310
Proceeds from Stock Plans	39,116	0
Dividends to Common Stock Shareholders	(827,533)	(797,686)
Net Cash Provided By Financing Activities	62,032,837	32,169,423
Net (Decrease) Increase in Cash and Cash Equivalents	1,087,484	9,790,277
Cash and Cash Equivalents at Beginning of Period	12,705,910	10,319,624
Cash and Cash Equivalents at End of Period	13,793,394	20,109,901
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Cash Paid for Interest	5,654,177	3,719,123
Cash Paid for Income Taxes	1,199,541	992,273
Non-Cash Transactions:
Transfers From Loans Receivable to OREO	$ 802,800	$ 315,550