Consolidated Statements of Cash Flows (Unaudited) - USD ($)	6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019
CASH FLOWS FROM OPERATING ACTIVITIES:
Net Income	$ 3,080,518	$ 3,972,904
Adjustments To Reconcile Net Income To Net Cash Provided By Operating Activities:
Depreciation Expense	936,139	781,982
Discount Accretion and Premium Amortization	2,255,935	2,636,812
Provision for Loan Losses	1,400,000	100,000
Earnings on BOLI	(270,000)	(270,000)
Gain on Sales of Loans	(1,309,266)	(546,331)
Gain on Sales of MBS	(486,577)	(2,459)
Gain on Sales of Investment Securities	(706,743)	(958,443)
Gain on Sales of OREO	(23,007)	(137,274)
Write Down on OREO	0	14,000
Amortization of Deferred Loan Costs	371,886	89,585
Proceeds From Sale of Loans Held For Sale	41,597,366	19,548,315
Origination of Loans Held For Sale	(42,453,324)	(20,970,814)
(Increase) Decrease in Accrued Interest Receivable:
Loans	(1,245,887)	48,723
MBS	(24,016)	(16,278)
Investment Securities	275,557	109,588
Increase in Advance Payments By Borrowers	293,911	271,370
Decrease (Increase) in Other, Net	795,549	(2,678)
Net Cash Provided By Operating Activities	4,675,043	4,857,761
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchase of MBS AFS	(50,610,348)	(71,340,833)
Proceeds from Payments and Maturities of MBS AFS	12,284,007	16,427,795
Proceeds from (Payments for) in Interest-bearing Deposits in Banks	0	250,005
Proceeds from Maturities, Prepayments and Calls of Mortgage Backed Securities (MBS)	2,271,470	1,020,431
Purchase of Investment Securities AFS	(46,571,411)	(67,023,891)
Proceeds from Sale, Maturity and Collection of Investments	15,483,066	17,308,244
Proceeds From Sale of Investment Securities Available For Sale	11,148,752	35,174,873
Proceeds From Sale Of Mortgage-Backed Securities Available For Sale	9,262,188	26,770,329
Purchase of FHLB Stock	(6,031,400)	(4,517,900)
Redemption of FHLB Stock	5,895,100	3,320,700
Increase (Decrease) In Loans Receivable	(81,214,022)	(10,545,706)
Proceeds From Sale of OREO	536,047	914,376
Purchase and Improvement of Premises and Equipment	(767,610)	(2,112,625)
Net Cash Used By Investing Activities	(128,314,161)	(54,354,202)
CASH FLOWS FROM FINANCING ACTIVITIES:
Increase in Deposit Accounts	103,778,075	18,952,122
Proceeds from FHLB Advances	226,285,000	143,080,000
Repayment of FHLB Advances	(221,923,000)	(116,410,000)
Proceeds from (Repayments of) Other Debt	9,373,253	5,055,157
Repayments of Notes Payable	0	(2,362,500)
Proceeds from Stock Plans	12,968	26,795
Dividends to Common Stock Shareholders	(650,697)	(532,016)
Net Cash Provided By Financing Activities	126,443,599	47,809,558
Net Increase (Decrease) in Cash and Cash Equivalents	2,804,481	(1,686,883)
Cash and Cash Equivalents at Beginning of Period	12,536,311	12,705,910
Cash and Cash Equivalents at End of Period	15,340,792	11,019,027
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Cash Paid for Interest	4,184,818	3,531,407
Non-Cash Transactions:
Transfers From Loans Receivable to OREO	$ 19,600	$ 802,800