Commitments and Contingencies	12 Months Ended
Dec. 31, 2019
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Note B – Commitments and Contingencies - The Bank is a party to financial instruments with off-balance-sheet risk to meet the financing needs of its customers. These financial instruments are commitments to extend credit. The instruments contain various elements of credit and interest rate risk in excess of the amount recognized in the balance sheets. The Bank’s exposure to credit loss, if the other party to the financial instrument for commitments to extend credit does not perform, is the contractual amount of those instruments. The Bank uses the same credit policies in making commitments that it does for on-balance-sheet financial instruments. The Bank had new loan commitments at December 31, 2019 of $235,000, The Bank had construction loans in process commitments of $2,161,000, unfunded home equity lines of credit of $3,713,000 and unfunded various other lines of credit of $2,213,000. The Bank maintained cash accounts at various financial institutions during 2019 and 2018. The Federal Deposit Insurance Corporation (FDIC) provides insurance coverage under defined limits. At various times in 2019 and 2018, the Bank may have had funds on deposit at these institutions which were in excess of the insured amount. Deposits at the FHLB are not subject to insurance coverage. Commitments to extend credit are agreements to lend to a customer if there is no violation of any contract conditions. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since some of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. Management evaluates each customer’s credit request separately and determines and obtains the amount of collateral needed when credit is extended. Collateral includes primarily real estate. The Bank has established a federal funds line of credit agreement with First National Bankers Bank (FNBB) that renews annually. In April, 2019 the line was renewed at $6,400,000 until 2020. The interest rate would be set by FNBB on the day any borrowing occurs. There were no borrowings under this agreement in either 2019 or 2018.

Note B – Commitments and Contingencies -

The Bank is a party to financial instruments with off-balance-sheet risk to meet the financing needs of its customers. These financial instruments are commitments to extend credit. The instruments contain various elements of credit and interest rate risk in excess of the amount recognized in the balance sheets. The Bank’s exposure to credit loss, if the other party to the financial instrument for commitments to extend credit does not perform, is the contractual amount of those instruments. The Bank uses the same credit policies in making commitments that it does for on-balance-sheet financial instruments. The Bank had new loan commitments at December 31, 2019 of $235,000, The Bank had construction loans in process commitments of $2,161,000, unfunded home equity lines of credit of $3,713,000 and unfunded various other lines of credit of $2,213,000. The Bank maintained cash accounts at various financial institutions during 2019 and 2018. The Federal Deposit Insurance Corporation (FDIC) provides insurance coverage under defined limits. At various times in 2019 and 2018, the Bank may have had funds on deposit at these institutions which were in excess of the insured amount. Deposits at the FHLB are not subject to insurance coverage.

Commitments to extend credit are agreements to lend to a customer if there is no violation of any contract conditions. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since some of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. Management evaluates each customer’s credit request separately and determines and obtains the amount of collateral needed when credit is extended. Collateral includes primarily real estate.

The Bank has established a federal funds line of credit agreement with First National Bankers Bank (FNBB) that renews annually. In April, 2019 the line was renewed at $6,400,000 until 2020. The interest rate would be set by FNBB on the day any borrowing occurs. There were no borrowings under this agreement in either 2019 or 2018.