CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($)	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Cash flows from operating activities:
Net income	$ 1,464,106	$ 1,810,075
Adjustments to reconcile net income net cash provided by operating activities:
Depreciation expense	97,694	106,414
Gain on sale of investment securities	(61,780)
Provision for loan losses	(75,000)	120,000
Stock-based compensation expense	27,989	22,997
Deferred income taxes and other assets	(344,938)	(813,220)
Net amortization of unearned discounts on investment securities available for sale	214,931	96,917
Origination of mortgage loans held for sale	(17,582,370)	(48,008,560)
Proceeds from sale of mortgage loans held for sale	17,729,759	47,744,276
(Increase) decrease in accrued interest receivable	(68,881)	220,448
Increase in accrued interest payable and other liabilities	302,580	699,515
Net cash provided by operating activities	1,704,090	1,998,862
Cash flows from investing activities:
Proceeds from calls and maturities of investment securities available for sale	2,718,000	4,817,000
Proceeds from sale of investment securities available for sale	15,120,000
Purchase of investment securities available for sale	(75,764,462)	(15,728,575)
Net increase in loans	(8,271,231)	(1,490,085)
Purchase of premises, equipment, and leasehold improvements, net	(31,563)	(29,223)
Net cash used in investing activities	(66,229,256)	(12,430,883)
Cash flows from financing activities:
Net (decrease) increase in deposit accounts	(5,420,096)	22,448,381
Dividends paid	(942,015)	(938,480)
Stock options exercised, net of surrenders	141,618	31,245
Net cash (used in) provided by financing activities	(6,220,493)	21,541,146
Net (decrease) increase in cash and cash equivalents	(70,745,659)	11,109,125
Cash and cash equivalents at the beginning of the period	140,111,988	48,325,981
Cash and cash equivalents at the end of the period	69,366,329	59,435,106
Cash paid during the period for:
Interest	37,340	75,231
Income taxes, net		$ 231,375