Consolidated Statements of Financial Condition (Current Period Unaudited) - USD ($)	Sep. 30, 2018	Mar. 31, 2018
Assets
Cash and due from banks	$ 14,536,572	$ 15,488,396
Federal funds sold	7,489,263	7,880,019
Cash and cash equivalents	22,025,835	23,368,415
Certificates of deposit held as investment	499,144	499,189
Securities available for sale, at fair value	68,862,989	75,404,136
Federal Home Loan Bank stock, at cost	2,782,400	3,122,400
Loans	375,939,704	390,420,885
Allowance for loan losses	(3,030,929)	(2,821,903)
Net loans and leases	372,908,775	387,598,982
Premises and equipment, net	3,842,489	3,945,825
Foreclosed real estate	587,978	457,778
Accrued interest receivable	1,506,290	1,468,382
Bank-owned life insurance	17,684,501	17,455,850
Income taxes refundable	40,000	40,000
Goodwill and other intangible assets	9,113,731	9,176,764
Other assets	2,333,117	2,995,741
Total Assets	502,187,249	525,533,462
Liabilities
Noninterest-bearing deposits	28,816,887	29,557,943
Interest-bearing deposits	359,653,728	375,585,032
Total deposits	388,470,615	405,142,975
Borrowings	53,551,896	60,672,140
Advances by borrowers for taxes and insurance	1,216,584	1,962,665
Other liabilities	3,488,645	3,679,550
Total liabilities	446,727,740	471,457,330
Commitments and contingencies
Shareholders' Equity
Common stock, $.01 par value, 100,000,000 shares authorized. Issued and outstanding: 3,416,414 shares at September 30, 2018 and 3,407,613 shares at March 31, 2018	34,164	34,076
Additional paid in capital	32,364,652	32,113,534
Retained earnings	27,464,461	25,920,490
Unearned ESOP shares	(2,073,680)	(2,073,680)
Accumulated other comprehensive loss	(2,330,088)	(1,918,288)
Total shareholders' equity	55,459,509	54,076,132
Total Liabilities and Shareholders' Equity	$ 502,187,249	$ 525,533,462