CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Unaudited) - USD ($)	Sep. 30, 2020	Dec. 31, 2019
ASSETS
Cash	$ 91,098	$ 99,299
Interest-bearing deposits in other financial institutions	247,168	120,856
Cash and cash equivalents	338,266	220,155
Available-for-sale securities	445,940	374,175
Mortgage loans held for sale	23,973	9,242
Loans receivable, net of allowance for loan losses of $54,238 - September 2020; $40,294 - December 2019	4,413,764	4,153,982
Interest receivable	14,139	13,530
Prepaid expenses and other assets	44,671	74,984
Other real estate owned and repossessions, net	3,007	5,525
Premises and equipment, net	140,502	141,908
Goodwill and other intangible assets	7,232	8,098
Federal Home Loan Bank stock and other interest-earning assets	11,036	13,473
Total Assets	5,443,010	5,015,072
Current and deferred income taxes	480	0
Liabilities:
Deposits	4,443,757	3,960,106
Securities sold under reverse repurchase agreements with customers	155,042	84,167
Short-term borrowings and other interest-bearing liabilities	1,218	228,157
Subordinated debentures issued to capital trust	25,774	25,774
Subordinated notes	148,217	74,276
Accrued interest payable	2,859	4,250
Advances from borrowers for taxes and insurance	11,841	7,484
Accrued expenses and other liabilities	29,659	24,904
Current and deferred income taxes	0	2,888
Total Liabilities	4,818,367	4,412,006
Capital stock
Serial preferred stock - $.01 par value; authorized 1,000,000 shares; issued and outstanding September 2020 and December 2019 - - 0- shares	0	0
Common stock, $.01 par value; authorized 20,000,000 shares; issued and outstanding September 2020 - 13,880,570 shares; December 2019 - 14,261,052 shares	139	143
Additional paid-in capital	34,539	33,510
Retained earnings	534,331	537,167
Accumulated other comprehensive income	55,634	32,246
Total Stockholders' Equity	624,643	603,066
Total Liabilities and Stockholders' Equity	5,443,010	5,015,072
Commitments and Contingencies	$ 0	$ 0