Consolidated Statements of Income (Unaudited) - USD ($)	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Interest Income:
Loans	$ 6,121,871	$ 6,003,502
Mortgage-Backed Securities	1,650,086	1,549,122
Investment Securities	1,280,142	1,413,993
Other	43,028	64,205
Total Interest Income	9,095,127	9,030,822
Interest Expense:
NOW and Money Market Accounts	449,275	485,473
Savings Accounts	20,616	16,326
Certificate Accounts	974,038	912,660
FHLB Advances and Other Borrowed Money	255,675	157,110
Interest Expense, Other	0	23,777
Senior Convertible Debentures	81,796	120,880
Junior Subordinated Debentures	44,186	57,410
Total Interest Expense	2,219,336	1,773,636
Net Interest Income	6,875,791	7,257,186
Provision For Loan Losses	700,000	100,000
Net Interest Income After Provision For Loan Losses	6,175,791	7,157,186
Non-Interest Income:
Gain on Sale of Investment Securities	706,743	290,768
Gain on Sale of Loans	502,851	174,283
Service Fees on Deposit Accounts	285,075	252,017
Commissions From Insurance Agency	148,031	151,300
Trust Income	299,325	258,600
BOLI Income	135,000	135,000
Grant Revenue	58,340	259,615
Check card revenue	354,099	342,334
Other	306,426	331,915
Total Non-Interest Income	2,795,890	2,195,832
Non-Interest Expense:
Compensation and Employee Benefits	4,674,047	4,179,034
Occupancy	591,609	552,233
Advertising	263,003	172,684
Depreciation and Maintenance of Equipment	690,930	610,357
Federal Deposit Insurance Corporation (FDIC) Insurance Premiums	16,080	73,176
Net (Recovery) Cost of Operation of OREO	12,740	(92,114)
Other	1,395,177	1,249,145
Total Non-Interest Expense	7,643,586	6,744,515
Income Before Income Taxes	1,328,095	2,608,503
Provision For Income Taxes	263,908	519,630
Net Income	1,064,187	2,088,873
Net Income	$ 1,064,187	$ 2,088,873
Net Income Per Common Share (Basic)	$ 0.34	$ 0.71
Net Income Per Common Share (Diluted)	0.34	0.67
Cash Dividend Per Share on Common Stock	$ 0.10	$ 0.09
Weighted Average Shares Outstanding (Basic)	3,092,455	2,954,515
Weighted Average Shares Outstanding (Diluted)	3,092,455	3,256,715