Consolidated Balance Sheets (Current Period Unaudited) - USD ($)	Sep. 30, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 6,829,878	$ 6,374,457
Interest-bearing deposits with banks	8,835,000	5,400,000
Total cash and cash equivalents	15,664,878	11,774,457
Available-for-sale securities, at fair value	40,572,382	33,428,658
Loans held for sale, at fair value	1,607,168
Loans held for sale - discontinued operations	190,675	26,884,014
Loans held for investment	302,305,425	285,691,372
Allowance for loan losses	(3,071,322)	(2,901,091)
Loans held for investment, net	299,234,103	282,790,281
Premises and equipment, net	9,134,011	9,558,943
Premises and equipment, net - discontinued operations		56,683
Stock in financial institutions, restricted, at cost	3,992,960	3,910,361
Accrued interest receivable	969,247	863,513
Accrued interest receivable - discontinued operations	894	11,527
Deferred income taxes, net	1,892,171	2,196,928
Bank owned life insurance	10,781,728	10,573,069
Core deposit intangible, net	141,914	172,108
Prepaid and other assets	1,091,830	815,950
Prepaid and other assets - discontinued operations		241,415
TOTAL ASSETS	385,273,961	383,277,907
Liabilities
Demand deposits	52,070,216	45,350,477
Savings and NOW deposits	163,372,460	142,349,920
Time deposits	80,093,824	77,538,576
Total deposits	295,536,500	265,238,973
Federal Home Loan Bank advances	40,000,000	67,000,000
Escrows	397,455	228,816
Escrows - discontinued operations	665	149,776
Accrued interest and other liabilities	4,081,205	3,520,201
Accrued interest and other liabilities - discontinued operations	452,424	717,407
Total liabilities	340,468,249	336,855,173
Commitments and contingencies (note 5)
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, 3,205,218 and 3,374,565 issued and outstanding.	32,052	33,746
Additional paid-in capital	23,085,254	25,500,873
Retained earnings	22,759,198	22,928,777
Accumulated other comprehensive income (loss), net of tax	525,634	(396,148)
Unearned employee stock ownership plan (ESOP) shares	(1,596,426)	(1,644,514)
Total stockholders’ equity	44,805,712	46,422,734
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$ 385,273,961	$ 383,277,907