Consolidated Statements of Cash Flows (Unaudited) - USD ($)	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
CASH FLOWS FROM OPERATING ACTIVITIES:
Net Income	$ 3,178,792	$ 1,064,187
Adjustments To Reconcile Net Income To Net Cash Provided By Operating Activities:
Depreciation Expense	491,501	464,387
Discount Accretion and Premium Amortization, net	1,493,219	1,185,119
Provision for Loan Losses	(870,000)	700,000
Earnings on BOLI	(165,000)	(135,000)
Gain on Sales of Loans	(1,071,481)	(502,851)
Gain on Sales of Investment Securities and MBS	0	(706,843)
Gain on Sales of OREO	(105,422)	(3,291)
Amortization of Deferred Loan Costs	1,072,688	69,236
Proceeds From Sale of Loans Held For Sale	31,523,356	16,882,646
Origination of Loans Held For Sale	(31,230,874)	(17,797,759)
(Increase) Decrease in Accrued Interest Receivable:
Loans	(253,807)	(120,228)
MBS	24,067	(68,490)
Investment Securities	(54,055)	51,548
Increase in Advance Payments By Borrowers	107,148	171,594
Increase in Other, Net	(288,925)	(195,838)
Net Cash Provided By Operating Activities	3,942,251	1,151,563
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchase of MBS AFS	(4,247,260)	(42,508,264)
Proceeds from Paydowns, Maturities and Sales of MBS AFS	14,662,451	5,698,171
Proceeds from (Payments for) in Interest-bearing Deposits in Banks	250,000	0
Proceeds from Maturities, Prepayments and Calls of Mortgage Backed Securities (MBS)	926,540	901,954
Purchase of Investment Securities AFS	(5,638,332)	(41,965,408)
Proceeds from Sale, Maturity and Collection of Investments	7,073,469	9,655,542
Proceeds From Sale of Investment Securities Available For Sale	0	11,148,752
Purchase of FHLB Stock	0	(5,069,100)
Redemption of FHLB Stock	455,800	3,519,400
Increase (Decrease) In Loans Receivable	(26,507,836)	(6,459,047)
Proceeds From Sale of OREO	454,332	33,291
Purchase and Improvement of Premises and Equipment	(320,100)	(286,445)
Net Cash Used By Investing Activities	(12,890,936)	(65,331,154)
CASH FLOWS FROM FINANCING ACTIVITIES:
Increase in Deposit Accounts	51,705,946	4,592,464
Proceeds from FHLB Advances	0	163,155,000
Repayment of FHLB Advances	0	(125,524,000)
Proceeds from (Repayments of) Other Debt	7,379,944	5,426,592
Proceeds from Stock Plans	0	12,968
Dividends to Common Stock Shareholders	(357,817)	(325,408)
Net Cash Provided By Financing Activities	10,028,073	67,105,616
Net Increase in Cash and Cash Equivalents	1,079,388	2,926,025
Cash and Cash Equivalents at Beginning of Period	18,025,409	12,536,311
Cash and Cash Equivalents at End of Period	19,104,797	15,462,336
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Cash Paid for Interest	$ 701,955	$ 1,902,816