Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 5,886,004	$ 7,099,405
Items not requiring (providing) cash:
Deferred income taxes	(1,990,466)	(64,536)
Depreciation and amortization	1,504,337	1,469,751
Provision for loan losses	2,200,000	200,000
Gain on sale of Small Business Administration loans	(498,737)	(798,763)
Gain on sale of mortgage loans held for sale and investment securities	(3,083,274)	(1,790,595)
Loss on sale of foreclosed assets	22,880	44,159
Gain on sale of premises, equipment and other assets	0	(6,069)
Amortization of deferred income, premiums and discounts	1,862,301	313,686
Amortization of intangible assets	357,750	357,750
Amortization of subordinated notes issuance cost	7,215	0
Stock award plan expense	81,221	521,323
Accretion of purchase accounting adjustments	(335,640)	(1,281,313)
Origination of loans held for sale	(100,689,835)	(24,039,578)
Proceeds from sale of loans held for sale	100,838,910	26,322,296
Increase in cash surrender value of bank owned life insurance	(453,473)	(345,651)
Changes in:
Accrued interest receivable	(1,289,199)	(84,805)
Prepaid expenses and other assets	1,740,752	(1,675,553)
Accounts payable and accrued expenses	930,947	1,850,394
Net cash provided by operating activities	7,091,693	8,091,901
CASH FLOWS FROM INVESTING ACTIVITIES
Net change in loans	(57,706,948)	28,608,984
Proceeds from sale of loans	4,365,535	6,445,267
Principal payments on available-for-sale securities	17,327,023	4,959,143
Proceeds from maturities of available-for-sale securities	6,647,890	0
Purchase of premises and equipment	(558,239)	(887,490)
Purchase of available-for-sale securities	(88,059,879)	(56,910,103)
Proceeds from sale of available-for-sale securities	27,430,799	35,035,814
Purchase of bank owned life insurance	0	(4,000,000)
Redemption (purchase) of FHLB stock	(94,600)	2,229,700
Purchase of tax credit investments	0	(3,168,435)
Proceeds from sale of foreclosed assets held for sale	7,189	507,969
Net cash provided by (used in) investing activities	(90,641,230)	12,820,849
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in demand deposits, NOW accounts and savings accounts	125,046,823	104,780,937
Net decrease in certificates of deposit	(19,533,749)	(14,380,120)
Proceeds from FHLB advances	26,000,000	93,965,000
Repayments of FHLB advances	(25,000,000)	(149,265,000)
Proceeds from issuance of notes payable	1,800,000	7,200,000
Repayments of notes payable	(13,000,000)	(1,000,000)
Repayment of subordinated debentures	0	(6,186,000)
Issuance of subordinated notes, net of issuance costs	19,545,555	0
Advances from borrowers for taxes and insurance	373,402	408,630
Stock options exercised	0	72,220
Cash dividends paid	(1,960,405)	(1,744,091)
Treasury stock purchased	(390,268)	(2,464,588)
Net cash provided by financing activities	112,881,358	31,386,988
INCREASE IN CASH AND CASH EQUIVALENTS	29,331,821	52,299,738
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD	92,671,909	34,121,642
CASH AND CASH EQUIVALENTS, END OF PERIOD	$ 122,003,730	$ 86,421,380