Consolidated Balance Sheets - USD ($)	Dec. 31, 2017	Dec. 31, 2016
ASSETS
Cash and due from banks	$ 4,094,694	$ 3,769,478
Interest-bearing deposits in other financial institutions	33,312,236	5,318,963
Cash and cash equivalents	37,406,930	9,088,441
Available-for-sale securities	81,478,673	92,399,235
Held-to-maturity securities	16,457	27,528
Stock in Federal Home Loan Bank, at cost	4,597,500	4,611,000
Mortgage loans held for sale	1,921,819	2,183,633
Loans receivable, net of allowance for loan losses at December 31, 2017 and 2016 - $7,107,418 and $5,742,449, respectively	629,605,009	538,273,640
Accrued interest receivable	2,449,847	1,947,063
Prepaid expenses and other assets	3,846,686	2,961,336
Foreclosed assets held for sale	282,785	2,682,353
Premises and equipment, net	10,607,094	10,871,039
Bank owned life insurance	19,740,623	19,272,893
Deferred and receivable income taxes	2,506,097	3,661,658
	794,459,520	687,979,819
LIABILITIES AND STOCKHOLDERS' EQUITY
Deposits	607,364,350	505,362,750
Federal Home Loan Bank advances	94,300,000	95,700,000
Subordinated debentures	15,465,000	15,465,000
Advances from borrowers for taxes and insurance	180,269	192,460
Accrued expenses and other liabilities	1,962,865	1,077,396
Accrued interest payable	295,543	207,833
	719,568,027	618,005,439
COMMITMENTS AND CONTINGENCIES
STOCKHOLDERS' EQUITY
Common stock, $0.10 par value; authorized 10,000,000 shares; issued December 31, 2017 and 2016 - 6,878,503 and 6,875,503 shares, respectively	687,850	687,550
Additional paid-in capital	50,856,069	50,552,077
Retained earnings, substantially restricted	60,679,308	57,347,282
Accumulated other comprehensive loss	(206,193)	(1,309,241)
	112,017,034	107,277,668
Treasury stock, at cost; December 31, 2017 and 2016 - 2,453,728 and 2,465,476 shares, respectively	(37,125,541)	(37,303,288)
	74,891,493	69,974,380
	$ 794,459,520	$ 687,979,819