Consolidated Balance Sheets (Current Period Unaudited) - USD ($)	Sep. 30, 2018	Dec. 31, 2017
ASSETS
Cash and due from banks	$ 6,194,715	$ 4,988,178
Interest-bearing deposits with banks	9,205,000	4,885,000
Total cash and cash equivalents	15,399,715	9,873,178
Available-for-sale securities, at fair value	27,930,267	24,399,881
Loans held for sale	20,219,237	15,423,670
Loans held for investment	283,463,733	261,012,786
Allowance for loan losses	(3,233,813)	(3,117,190)
Loans held for investment, net	280,229,920	257,895,596
Premises and equipment, net	9,776,173	10,120,904
Stock in financial institutions, restricted, at cost	3,884,461	3,825,861
Accrued interest receivable	919,952	838,960
Deferred income taxes, net	2,421,790	2,191,526
Bank owned life insurance	10,502,550	10,135,672
Core deposit intangible, net	182,323	220,664
Prepaid and other assets	1,800,280	1,294,606
TOTAL ASSETS	373,266,668	336,220,518
Liabilities
Demand deposits	46,109,707	37,502,593
Savings and NOW deposits	131,536,102	135,009,406
Time deposits	73,867,604	63,049,334
Total deposits	251,513,413	235,561,333
Federal Home Loan Bank advances	70,000,000	45,000,000
Escrows	442,200	296,847
Accrued interest and other liabilities	5,148,046	4,391,649
Total liabilities	327,103,659	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, 3,404,065 and 3,490,672 issued and outstanding.	34,041	34,907
Additional paid-in capital	25,772,013	26,849,822
Retained earnings	22,791,914	26,060,598
Accumulated other comprehensive loss, net of tax	(776,480)	(274,266)
Unearned employee stock ownership plan (ESOP) shares	(1,658,479)	(1,700,372)
Total stockholders’ equity	46,163,009	50,970,689
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$ 373,266,668	$ 336,220,518