Condensed Consolidated Balance Sheets (Unaudited) - USD ($)	Sep. 30, 2020	Dec. 31, 2019
Cash and due from banks	$ 5,485,504	$ 5,114,067
Interest-bearing demand deposits in other financial institutions	116,518,226	87,557,842
Cash and cash equivalents	122,003,730	92,671,909
Interest-bearing time deposits at other financial institutions	6,230,414	250,000
Available-for-sale securities	152,236,508	118,245,314
Stock in Federal Home Loan Bank, at cost	3,852,100	3,757,500
Mortgage loans held for sale	5,259,413	2,786,564
Loans receivable, net of allowance for loan losses of September 30, 2020 - $9,680,688 and December 31, 2019 - $7,607,587, respectively	771,447,520	720,732,402
Accrued interest receivable	4,801,074	3,511,875
Prepaid expenses and other assets	8,235,182	8,862,954
Goodwill	1,434,982	1,434,982
Core deposit intangible	2,146,160	2,503,910
Foreclosed assets held for sale	646,450	991,885
Premises and equipment, net	18,247,400	19,164,496
Operating lease right-of-use asset	8,617,737	9,052,941
Bank owned life insurance	25,151,911	24,698,438
Deferred and receivable income taxes	4,488,254	3,359,455
Assets, Total	1,134,798,835	1,012,024,625
LIABILITIES
Deposits	926,919,606	821,406,532
Federal Home Loan Bank advances	66,000,000	65,000,000
Note payable to bank	0	11,200,000
Advances from borrowers for taxes and insurance	641,602	268,200
Accrued expenses and other liabilities	8,989,643	4,153,762
Operating lease liabilities	8,699,301	9,105,503
Accrued interest payable	724,200	793,746
Liabilities, Total	1,046,992,122	927,392,743
COMMITMENTS AND CONTINGENCIES	0	0
STOCKHOLDERS' EQUITY
Common stock, $0.10 par value; authorized 10,000,000 shares; issued September 30, 2020 and December 31, 2019 - 6,919,503 shares	691,950	691,950
Additional paid-in capital	51,305,837	51,908,867
Retained earnings, substantially restricted	76,782,345	72,860,750
Accumulated other comprehensive loss	(868,752)	(431,035)
Stockholders' Equity before Treasury Stock	127,911,380	125,030,532
Treasury stock, at cost; September 30, 2020 and December 31, 2019 - 2,555,351 and 2,582,041 shares, respectively	(40,104,667)	(40,398,650)
Stockholders' Equity Attributable to Parent, Ending Balance	87,806,713	84,631,882
Liabilities and Equity, Total	1,134,798,835	1,012,024,625
Subordinated Debentures Issued to Capital Trusts [Member]
LIABILITIES
Subordinated Debt, Ending Balance	15,465,000	15,465,000
Subordinated Notes, Net [Member]
LIABILITIES
Subordinated Debt, Ending Balance	$ 19,552,770	$ 0