CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($)	6 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
CASH FLOWS FROM OPERATING ACTIVITIES
Net (loss) income	$ (187,299)	$ 261,318
Adjustments to reconcile net (loss) income to net cash flows from operating activities
Provision for loan losses	0	0
Depreciation	278,919	256,619
Amortization and accretion	41,593	35,361
Origination of mortgage loans held for sale	(45,532,436)	(64,148,641)
Proceeds from sales of mortgage loans held for sale	49,815,774	65,564,519
Gain on sale of mortgage loans held for sale	(621,782)	(808,518)
Gain (loss) on sale of other real estate owned, net	(27)	(5,918)
Changes in assets and liabilities:
Accrued interest payable and other liabilities	454,274	1,891,700
Accrued interest receivable and other assets	(1,042,560)	992,115
Net cash flows from operating activities	3,206,456	4,038,555
CASH FLOWS FROM INVESTING ACTIVITIES
Proceeds from maturities or calls of securities available for sale	295,322	11,438
Purchase of securities available for sale	(650,000)	(980,000)
Change in loans	516,245	7,107,499
Purchase of FHLB stock	(274,500)	(155,000)
Change in interest bearing deposits in banks	(51,124)	(90,390)
Proceeds from sale of other real estate owned	251,025	703,602
Purchase of premises and equipment, net	(156,279)	(109,225)
Net cash flows from investing activities	(69,311)	6,487,924
CASH FLOWS FROM FINANCING ACTIVITIES
Net decrease in deposits	(6,658,959)	(25,474,907)
FHLB advance proceeds	318,550,000	167,250,000
FHLB advance repayments	(312,450,000)	(149,650,000)
Change in advance payments by borrowers for property taxes and insurance	(3,250,840)	(3,211,869)
Net cash flows from financing activities	(3,809,799)	(11,086,776)
Net Change in Cash and Cash Equivalents	(672,654)	(560,297)
CASH AND CASH EQUIVALENTS - BEGINNING OF PERIOD	6,134,146	6,550,622
CASH AND CASH EQUIVALENTS - END OF PERIOD	5,461,492	5,990,325
SUPPLEMENTAL CASH FLOW DISCLOSURES
Cash paid for interest	712,263	573,416
Loans transferred to other real estate owned	$ 418,849	$ 265,097