CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
ASSETS
Cash and Due from Banks	$ 806	$ 529
Interest Earning Deposits in Banks	5,351	3,886
Total Cash and Cash Equivalents	6,157	4,415
Interest Earning Time Deposits in Banks	6,076	3,586
Securities Available for Sale, at Fair Value	6,210	4,221
Securities Held to Maturity	389	518
Mortgage Loans Held for Sale	284	580
Loans Receivable, Net of Unearned Income	102,954	97,721
Allowance for Loan Losses	(769)	(768)
Total Loans, Net	102,469	97,533
Premises and Equipment	5,857	5,137
Federal Home Loan Bank Stock	827	802
Bank Owned Life Insurance	2,153	2,102
Foreclosed Real Estate
Prepaid Expenses and Other Assets	1,294	1,107
Total Assets	131,432	119,421
LIABILITIES AND EQUITY
Interest Bearing Deposits	83,734	72,953
Noninterest Bearing Deposits	5,205	4,344
Total Deposits	88,939	77,297
Borrowed Funds	18,041	16,822
Advances from Borrowers for Taxes and Insurance	302	282
Accrued Expenses and Other Liabilities	966	903
Total Liabilities	108,248	95,304
Shareholders’ Equity
Preferred Stock, $0.01 Par Value, 1,000,000 Shares Authorized, None Issued
Common Stock, $0.01 Par Value, 9,000,000 Shares Authorized, 1,543,309 and 1,674,036 Shares Issued and Outstanding on December 31, 2019 and December 31, 2018	15	17
Additional Paid-in Capital	13,561	14,953
Unallocated common stock held by:
Employee Stock Ownership Plan (ESOP)	(1,164)	(1,217)
Retained Earnings	10,750	10,395
Accumulated Other Comprehensive Income (Loss)	22	(31)
Total Shareholders’ Equity	23,184	24,117
Total Liabilities and Shareholders’ Equity	$ 131,432	$ 119,421