Consolidated Balance Sheets (Current Period Unaudited) - USD ($)	Mar. 31, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 4,718,880	$ 6,374,457
Interest-bearing deposits with banks	6,855,000	5,400,000
Total cash and cash equivalents	11,573,880	11,774,457
Available-for-sale securities, at fair value	32,570,879	33,428,658
Loans held for sale, at fair value	14,614,579	26,884,014
Loans held for investment	289,856,142	285,691,372
Allowance for loan losses	(2,981,412)	(2,901,091)
Loans held for investment, net	286,874,730	282,790,281
Premises and equipment, net	9,464,710	9,615,626
Stock in financial institutions, restricted, at cost	3,937,361	3,910,361
Accrued interest receivable	963,269	875,040
Deferred income taxes, net	2,103,654	2,196,928
Bank owned life insurance	10,641,381	10,573,069
Core deposit intangible, net	161,893	172,108
Prepaid and other assets	1,088,406	1,057,365
TOTAL ASSETS	373,994,742	383,277,907
Liabilities
Demand deposits	43,655,695	45,350,477
Savings and NOW deposits	146,259,640	142,349,920
Time deposits	77,969,777	77,538,576
Total deposits	267,885,112	265,238,973
Federal Home Loan Bank advances	50,000,000	67,000,000
Escrows	424,049	378,592
Accrued interest and other liabilities	9,131,724	4,237,608
Total liabilities	327,440,885	336,855,173
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, 3,356,155 and 3,374,565 issued and outstanding.	33,561	33,746
Additional paid-in capital	25,309,067	25,500,873
Retained earnings	22,969,985	22,928,777
Accumulated other comprehensive loss, net of tax	(132,301)	(396,148)
Unearned employee stock ownership plan (ESOP) shares	(1,626,455)	(1,644,514)
Total stockholders’ equity	46,553,857	46,422,734
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$ 373,994,742	$ 383,277,907