Consolidated Statements of Cash Flows (Unaudited) - USD ($)	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
CASH FLOWS FROM OPERATING ACTIVITIES:
Net Income	$ 3,985,229	$ 6,192,371
Adjustments To Reconcile Net Income To Net Cash Provided By Operating Activities:
Depreciation Expense	1,401,863	1,167,945
Discount Accretion and Premium Amortization	3,246,360	3,925,218
Provision for Loan Losses	3,600,000	175,000
Earnings on BOLI	(408,250)	(405,000)
Gain on Sales of Loans	(2,494,084)	(1,126,551)
Gain on Sales of Investment Securities and MBS	(1,332,666)	(1,056,958)
Gain on Sales of OREO	(46,354)	(181,552)
Write Down on OREO	0	22,000
Amortization of Deferred Loan Costs	805,925	138,045
Proceeds From Sale of Loans Held For Sale	79,231,518	39,321,961
Origination of Loans Held For Sale	(80,242,011)	(40,096,301)
(Increase) Decrease in Accrued Interest Receivable:
Loans	(614,618)	107,831
MBS	(30,775)	(10,135)
Investment Securities	251,762	149,756
Increase in Advance Payments By Borrowers	353,843	340,603
Increase in Other, Net	(648,115)	(394,763)
Net Cash Provided By Operating Activities	7,336,291	8,410,216
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchase of MBS AFS	(68,855,028)	(97,828,479)
Proceeds from Paydowns, Maturities and Sales of MBS AFS	35,555,734	60,486,276
Proceeds from (Payments for) in Interest-bearing Deposits in Banks	0	250,005
Proceeds from Maturities, Prepayments and Calls of Mortgage Backed Securities (MBS)	3,246,065	2,057,157
Purchase of Investment Securities AFS	(79,072,088)	(70,741,583)
Proceeds from Sale, Maturity and Collection of Investments	31,547,522	61,847,936
Purchase of FHLB Stock	(6,759,500)	(7,365,500)
Redemption of FHLB Stock	6,942,000	6,716,600
Increase (Decrease) In Loans Receivable	(75,932,370)	(22,802,932)
Proceeds From Sale of OREO	578,994	981,254
Purchase and Improvement of Premises and Equipment	(882,197)	(3,371,158)
Net Cash Used By Investing Activities	(157,630,868)	(69,355,569)
CASH FLOWS FROM FINANCING ACTIVITIES:
Increase in Deposit Accounts	133,384,506	47,123,659
Proceeds from FHLB Advances	226,285,000	228,708,000
Repayment of FHLB Advances	(229,423,000)	(214,938,000)
Proceeds from (Repayments of) Other Debt	8,188,288	4,290,095
Repayments of Notes Payable	0	(2,362,500)
Proceeds from Stock Plans	12,968	39,116
Dividends to Common Stock Shareholders	(975,966)	(827,533)
Net Cash Provided By Financing Activities	153,364,796	62,032,837
Net Increase in Cash and Cash Equivalents	3,070,219	1,087,484
Cash and Cash Equivalents at Beginning of Period	12,536,311	12,705,910
Cash and Cash Equivalents at End of Period	15,606,530	13,793,394
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Cash Paid for Interest	5,231,953	5,654,177
Non-Cash Transactions:
Transfers From Loans Receivable to OREO	$ 19,600	$ 802,800