Consolidated Statements of Financial Condition (Current Period Unaudited) - USD ($)	Dec. 31, 2018	Mar. 31, 2018
Assets
Cash and due from banks	$ 15,175,250	$ 15,488,396
Federal funds sold	11,372,590	7,880,019
Cash and cash equivalents	26,547,840	23,368,415
Certificates of deposit held as investment	499,121	499,189
Securities available for sale, at fair value	65,577,855	75,404,136
Federal Home Loan Bank stock, at cost	2,676,200	3,122,400
Loans	369,456,616	390,420,885
Allowance for loan losses	(3,031,106)	(2,821,903)
Net loans and leases	366,425,510	387,598,982
Premises and equipment, net	3,759,246	3,945,825
Foreclosed real estate	457,778	457,778
Accrued interest receivable	1,448,581	1,468,382
Bank-owned life insurance	17,799,920	17,455,850
Income taxes refundable	40,000	40,000
Goodwill and other intangible assets	9,082,215	9,176,764
Other assets	1,940,161	2,995,741
Total Assets	496,254,427	525,533,462
Liabilities
Noninterest-bearing deposits	27,545,786	29,557,943
Interest-bearing deposits	356,625,156	375,585,032
Total deposits	384,170,942	405,142,975
Borrowings	51,050,000	60,672,140
Advances by borrowers for taxes and insurance	1,059,677	1,962,665
Other liabilities	3,483,868	3,679,550
Total liabilities	439,764,487	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 December 31, 2018 and 3,407,613 shares at March 31, 2018	34,164	34,076
Additional paid in capital	32,548,023	32,113,534
Retained earnings	27,339,778	25,920,490
Unearned ESOP shares	(1,925,560)	(2,073,680)
Accumulated other comprehensive loss	(1,506,465)	(1,918,288)
Total shareholders' equity	56,489,940	54,076,132
Total Liabilities and Shareholders' Equity	$ 496,254,427	$ 525,533,462