Consolidated Statements of Cash Flows (Unaudited) - USD ($)	9 Months Ended
	Sep. 30, 2021	Sep. 30, 2020
Payment to Acquire Life Insurance Policy, Investing Activities		$ (4,000,000)
Interest Paid, Excluding Capitalized Interest, Operating Activities	$ 2,569,016	5,231,953
Cash Paid for Income Taxes	2,995,442	864,401
CASH FLOWS FROM OPERATING ACTIVITIES:
Net Income	10,745,404	3,985,229
Adjustments To Reconcile Net Income To Net Cash Provided By Operating Activities:
Depreciation Expense	1,471,810	1,401,863
Discount Accretion and Premium Amortization, net	5,016,096	3,246,360
Provision for Loan Losses	(2,270,000)	3,600,000
Earnings on BOLI	(485,000)	(408,250)
Gain on Sales of Loans	(3,022,755)	(2,494,084)
Gain on Sales of Investment Securities and MBS	0	(1,332,666)
Gain on Sales of OREO	(105,422)	(46,354)
Write Down on OREO	20,000	0
Operating Lease, Right-of-Use Asset, Amortization Expense	247,947	276,664
Amortization of Deferred Loan Costs, net	3,643,268	805,925
Proceeds From Sale of Loans Held For Sale	91,709,578	79,231,518
Origination of Loans Held For Sale	(86,582,554)	(80,242,011)
(Increase) Decrease in Accrued Interest Receivable:
Loans	(22,083)	(614,618)
MBS	(40,942)	(30,775)
Investment Securities	(77,245)	251,762
Increase in Advance Payments By Borrowers	241,026	353,843
Other, Net	560,159	(648,115)
Net Cash Provided By Operating Activities	21,049,287	7,336,291
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchase of MBS AFS	(85,337,142)	(68,855,028)
Proceeds from Paydowns, Maturities and Sales of MBS AFS	42,244,294	35,555,734
Proceeds from (Payments for) in Interest-bearing Deposits in Banks	250,000	0
Payments to Acquire Mortgage Backed Securities (MBS) categorized as Held-to-maturity	8,261,528
Proceeds from Maturities, Prepayments and Calls of Mortgage Backed Securities (MBS)	3,985,667	3,246,065
Purchase of Investment Securities AFS	(36,733,200)	(79,072,088)
Proceeds from Sale, Maturity and Collection of Investments	29,925,665	31,547,522
Purchase of FHLB Stock	(1,900)	(6,759,500)
Redemption of FHLB Stock	1,393,300	6,942,000
Payment to Acquire Life Insurance Policy, Investing Activities		4,000,000
Increase (Decrease) In Loans Receivable	(24,910,690)	(75,932,370)
Proceeds From Sale of OREO	454,332	578,994
Purchase and Improvement of Premises and Equipment	(1,091,300)	(882,197)
Net Cash Used By Investing Activities	(78,082,502)	(157,630,868)
CASH FLOWS FROM FINANCING ACTIVITIES:
Increase in Deposit Accounts	98,470,851	133,384,506
Proceeds from FHLB Advances	0	226,285,000
Repayment of FHLB Advances	(25,000,000)	(229,423,000)
Proceeds from (Repayments of) Other Debt	13,490,672	8,188,288
Repayments of Convertible Debt		(132,000)
Proceeds from Bank Debt	232,140,000	85,950,000
Repayments of Short-term Debt	(265,465,000)	(69,925,000)
Proceeds from Stock Plans	0	12,968
Dividends to Common Stock Shareholders	(1,073,452)	(975,966)
Net Cash Provided By Financing Activities	52,563,071	153,364,796
Net (Decrease) Increase in Cash and Cash Equivalents	(4,470,144)	3,070,219
Cash and Cash Equivalents at Beginning of Period	18,025,409	12,536,311
Cash and Cash Equivalents at End of Period	13,555,265	15,606,530
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Cash Paid for Income Taxes	2,995,442	864,401
Non-Cash Transactions:
Transfers From Loans Receivable to OREO	$ 0	19,600
Debt Conversion, Converted Instrument, Amount		$ 5,912,000