Consolidated Statements of Cash Flows (Unaudited) - USD ($)	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
CASH FLOWS FROM OPERATING ACTIVITIES:
Net Income	$ 1,064,187	$ 2,088,873
Adjustments To Reconcile Net Income To Net Cash Provided By Operating Activities:
Depreciation Expense	464,387	390,743
Discount Accretion and Premium Amortization	1,185,119	1,292,404
Provision for Loan Losses	700,000	100,000
Earnings on BOLI	(135,000)	(135,000)
Gain on Sales of Loans	(502,851)	(174,283)
Gain on Sales of Mortgage-Backed Securities (MBS)	0	0
Gain on Sales of Investment Securities	(706,843)	(290,768)
Gain on Sales of OREO	(3,291)	(110,302)
Write Down on OREO	0	0
Amortization of Deferred Loan Costs	69,236	41,739
Proceeds From Sale of Loans Held For Sale	16,882,646	7,131,184
Origination of Loans Held For Sale	(17,797,759)	(7,611,361)
(Increase) Decrease in Accrued Interest Receivable:
Loans	(120,228)	(71,426)
MBS	(68,490)	(12,411)
Investment Securities	51,548	(2,704)
Increase in Advance Payments By Borrowers	171,594	154,037
Decrease in Other, Net	(195,838)	736,821
Net Cash Provided By Operating Activities	1,151,563	3,625,687
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchase of MBS AFS	(42,508,264)	(13,971,139)
Proceeds from Payments and Maturities of MBS AFS	5,698,171	7,665,227
Proceeds from Payments and Maturities of MBS Held To Maturity (HTM)	0
Proceeds from Maturities, Prepayments and Calls of Long-term Investments		0
Proceeds from (Payments for) in Interest-bearing Deposits in Banks	0	250,000
Proceeds from Maturities, Prepayments and Calls of Mortgage Backed Securities (MBS)	901,954	149,162
Purchase of Investment Securities AFS	(41,965,408)	(21,531,244)
Proceeds from Sale, Maturity and Collection of Investments	9,655,542	7,989,484
Proceeds From Sale of Investment Securities Available For Sale	11,148,752	6,555,400
Proceeds From Sale Of Mortgage-Backed Securities Available For Sale	0	0
Purchase of FHLB Stock	(5,069,100)	(1,698,100)
Redemption of FHLB Stock	3,519,400	1,975,700
Increase (Decrease) In Loans Receivable	(6,459,047)	812,445
Proceeds From Sale of OREO	33,291	463,603
Purchase and Improvement of Premises and Equipment	(286,445)	(1,435,353)
Net Cash Used By Investing Activities	(65,331,154)	(12,774,815)
CASH FLOWS FROM FINANCING ACTIVITIES:
Increase in Deposit Accounts	4,592,464	21,351,459
Proceeds from FHLB Advances	163,155,000	54,180,000
Repayment of FHLB Advances	(125,524,000)	(62,210,000)
Proceeds from (Repayments of) Other Debt	5,426,592	3,345,823
Repayments of Notes Payable	0	(850,000)
Proceeds from Stock Options Exercised	0	0
Proceeds from Stock Plans	12,968	12,009
Dividends to Common Stock Shareholders	(325,408)	(265,982)
Net Cash Provided By Financing Activities	67,105,616	15,563,309
Net Increase in Cash and Cash Equivalents	2,926,025	6,414,181
Cash and Cash Equivalents at Beginning of Period	12,536,311	12,705,910
Cash and Cash Equivalents at End of Period	15,462,336	19,120,091
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Cash Paid for Interest	1,902,816	1,401,916
Non-Cash Transactions:
Transfers From Loans Receivable to OREO	$ 0	$ 440,200