Consolidated Balance Sheets (Current Period Unaudited) - USD ($)	Mar. 31, 2018	Dec. 31, 2017
ASSETS
Cash and due from banks	$ 4,762,315	$ 4,988,178
Interest-bearing deposits with banks	7,580,000	4,885,000
Total cash and cash equivalents	12,342,315	9,873,178
Available-for-sale securities, at fair value	26,095,660	24,399,881
Loans held for sale	15,260,895	15,423,670
Loans held for investment	261,478,730	261,012,786
Allowance for loan losses	(3,122,170)	(3,117,190)
Loans held for investment, net	258,356,560	257,895,596
Premises and equipment, net	10,094,892	10,120,904
Stock in financial institutions, restricted, at cost	3,842,861	3,825,861
Accrued interest receivable	819,784	838,960
Deferred income taxes, net	2,193,360	2,191,526
Bank owned life insurance	10,204,220	10,135,672
Core deposit intangible, net	207,563	220,664
Prepaid and other assets	1,774,252	1,294,606
TOTAL ASSETS	341,192,362	336,220,518
Liabilities
Demand deposits	42,295,037	37,502,593
Savings and NOW deposits	132,285,122	135,009,406
Time deposits	67,228,989	63,049,334
Total deposits	241,809,148	235,561,333
Federal Home Loan Bank advances	45,000,000	45,000,000
Escrows	422,543	296,847
Accrued interest and other liabilities	4,342,357	4,391,649
Total liabilities	291,574,048	285,249,829
Commitments and contingencies (note 4)
Stockholders’ equity
Preferred stock, $0.01 par value, 50,000,000 authorized, 0 issued and outstanding
Common stock, $0.01 par value, 100,000,000 authorized, 3,388,601 and 3,490,672 issued and outstanding.	33,886	34,907
Additional paid-in capital	25,372,465	26,849,822
Retained earnings	26,431,225	26,060,598
Accumulated other comprehensive loss, net of tax	(532,854)	(274,266)
Unearned employee stock ownership plan (ESOP) shares	(1,686,408)	(1,700,372)
Total stockholders’ equity	49,618,314	50,970,689
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$ 341,192,362	$ 336,220,518