Consolidated Statements of Cash Flows (Unaudited) - USD ($)	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 2,104,845	$ 2,120,364
Items not requiring (providing) cash:
Deferred income taxes	(122,539)	116,506
Depreciation and amortization	507,396	493,238
Provision for Loan Losses	500,000
Gain on sale of Small Business Administration loans		(250,119)
Gain on sale of mortgage loans held for sale and investment securities	(571,310)	(395,350)
Loss (gain) on sale of foreclosed assets	84,106	(6,043)
Gain on sale of premises, equipment and other assets		(6,069)
Amortization of deferred income, premiums and discounts, net	213,234	63,406
Amortization of intangible assets	119,250	119,250
Stock award plan expense	57,349	169,100
Accretion of purchase accounting adjustments	(209,557)	(426,142)
Origination of loans held for sale	(18,621,836)	(15,877,396)
Proceeds from sale of loans held for sale	19,970,915	14,972,988
Increase in cash surrender value of bank owned life insurance	(150,754)	(111,186)
Changes in:
Accrued interest receivable	(21,981)	(382,266)
Prepaid expenses and other assets	166,840	(1,262,913)
Accounts payable and accrued expenses	(454,273)	(113,096)
Income taxes receivable/payable	295,870	(79,260)
Net cash provided by (used in) operating activities	3,867,555	(854,988)
CASH FLOWS FROM INVESTING ACTIVITIES
Net change in loans	(857,319)	18,198,692
Principal payments on available-for-sale securities	4,050,674	1,433,177
Principal payments on held-to-maturity securities	22	736
Proceeds from maturities of available-for-sale securities	1,450,000
Purchase of premises and equipment	(131,773)	(153,664)
Purchase of available-for-sale securities	(35,896,426)	(17,536,729)
Proceeds from sale of available-for-sale securities	6,263,367	5,057,584
Redemption of FHLB stock	545,400	2,145,700
Purchase of tax credit investments		(3,168,435)
Proceeds from sale of foreclosed assets held for sale	162,793	158,230
Net cash provided by (used in) investing activities	(24,413,262)	6,135,291
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in demand deposits, NOW accounts and savings accounts	38,327,551	48,453,425
Net increase (decrease) in certificates of deposit	(10,198,142)	8,790,226
Proceeds from FHLB advances	10,000,000	35,045,000
Repayments of FHLB advances	(25,000,000)	(88,245,000)
Proceeds from issuance of notes payable	1,000,000
Repayments of notes payable	(1,000,000)
Advances from borrowers for taxes and insurance	129,206	132,018
Stock options exercised		51,900
Cash dividends paid	(650,619)	(580,253)
Treasury stock purchased	(390,268)
Net cash provided by financing activities	12,217,728	3,647,316
INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	(8,327,979)	8,927,619
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD	92,671,909	34,121,642
CASH AND CASH EQUIVALENTS, END OF PERIOD	$ 84,343,930	$ 43,049,261