Consolidated Statements of Cash Flows - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Cash flows from operating activities:
Net loss	$ (235,628)	$ (338,156)
Adjustments to reconcile net income (loss) to net cash provided by operating activities:
Depreciation expense	112,929	108,664
Amortization of premiums and accretion of discounts, net	270,398	175,470
Gain on call of bank certificate of deposit	(703)
Gain on sale of securities available for sale	(124,351)
Amortization of deferred loan fees and costs, net	(51,611)	88,101
Provision for loan losses	122,227	93,998
(Increase) decrease in accrued interest receivable	(22,488)	13,477
Increase in cash surrender value of life insurance	(57,022)	(61,752)
Deferred income taxes	(76,823)	(110,999)
Net decrease (increase) in other assets	16,424	(65,618)
Net decrease in other liabilities	(83,989)	(4,907)
Amortization of stock compensation plans	35,482	53,561
Net cash used in operating activities	(95,155)	(48,161)
Cash flows from investing activities:
Purchases of certificates of deposit		(999,250)
Purchases of securities available for sale	(109,390,110)	(18,222,745)
Maturities of certificates of deposit	500,000
Repayments and maturities of securities held to maturity	3,718	203,285
Repayments and maturities of securities available for sale	91,394,206	10,298,342
Proceeds from sale of securities available for sale	6,357,348
Redemption of Federal Home Loan Bank and other stock	9,900	95,000
Loans purchased		(1,916,072)
Loan originations, net of principal repayments	502,794	4,995,616
Purchases of bank premises and equipment	(49,201)	(52,303)
Net cash used in investing activities	(10,671,345)	(5,598,127)
Cash flows from financing activities:
Net increase in deposits	6,351,362	8,241,002
Net increase (decrease) in short term borrowings	5,118,395	(3,750,000)
Proceeds from long term borrowings		1,900,000
Repayment of long term borrowings	(366,826)	(150,480)
Net (decrease) increase in advances from borrowers for taxes and insurance	(9,742)	11,909
Purchase of stock for ESOP	(480)	(3,282)
Net cash provided by financing activities	11,092,709	6,249,149
Net increase in cash and cash equivalents	326,209	602,861
Cash and cash equivalents at beginning of year	1,820,482	1,217,621
Cash and cash equivalents at end of year	2,146,691	1,820,482
Supplemental Information:
Interest	660,868	620,550
Income taxes, net	$ 9,800	$ 3,369