Consolidated Statements of Financial Condition - USD ($)	Mar. 31, 2018	Mar. 31, 2017
Assets
Cash and due from banks	$ 15,488,396	$ 24,436,793
Federal funds sold	7,880,019	4,917,128
Cash and cash equivalents	23,368,415	29,353,921
Certificates of deposit held as investment	499,189	499,280
Investment securities, fair value	75,404,136	102,429,128
Federal Home Loan Bank stock, at cost	3,122,400	2,020,200
Loans	390,420,885	338,933,198
Allowance for loan losses	(2,821,903)	(2,194,815)
Net loans and leases	387,598,982	336,738,383
Premises and equipment, net	3,945,825	3,674,280
Premises and equipment held for sale		547,884
Foreclosed real estate	457,778	503,094
Accrued interest receivable	1,468,382	1,310,080
Bank-owned life insurance	17,455,850	18,253,348
Deferred income taxes		7,976,850
Income taxes refundable	40,000
Goodwill and other intangible assets	9,176,764	9,302,828
Other assets	2,995,741	1,920,740
Total Assets	525,533,462	514,530,016
Liabilities
Noninterest-bearing deposits	29,557,943	30,401,454
Interest-bearing deposits	375,585,032	382,454,320
Total deposits	405,142,975	412,855,774
Total borrowings	60,672,140	36,124,899
Advances by borrowers for taxes and insurance	1,962,665	1,868,110
Other liabilities	3,679,550	3,890,003
Total liabilities	471,457,330	454,738,786
Commitments and contingencies
Shareholders' Equity
Common stock, $.01 par value, 100,000,000 shares authorized. Issued and outstanding: 3,407,613 shares at March 31, 2018 and 3,411,075 shares at March 31, 2017	34,076	34,111
Additional paid in capital	32,113,534	31,656,235
Retained earnings	25,920,490	31,730,673
Unearned ESOP shares	(2,073,680)	(2,221,800)
Accumulated other comprehensive loss	(1,918,288)	(1,407,989)
Total shareholders' equity	54,076,132	59,791,230
Total Liabilities and Shareholders' Equity	$ 525,533,462	$ 514,530,016