CONSOLIDATED BALANCE SHEETS - USD ($)	Jun. 30, 2019	Jun. 30, 2018
ASSETS
Cash and due from banks	$ 4,617,976	$ 4,698,851
Federal funds sold	1,012,794	1,435,295
Cash and cash equivalents	5,630,770	6,134,146
Interest bearing deposits in banks	3,674,015	157,459
Available for sale securities - stated at fair value	20,542,118	20,906,087
Loans, less allowance for loan losses of $1,293,965 and $1,324,159 at June 30, 2019 and 2018 respectively	259,873,403	263,998,800
Loans held for sale	7,079,548	6,416,385
Other real estate owned, net	4,080,401	3,957,133
Premises and equipment, net	8,165,274	8,252,426
Federal Home Loan Bank stock	2,061,000	2,070,000
Accrued interest receivable and other assets	1,141,686	1,531,606
TOTAL ASSETS	312,248,215	313,424,042
Deposits
Demand	77,414,345	64,528,259
Savings and NOW	70,385,843	81,998,195
Certificates of Deposit	86,761,271	97,937,026
Total Deposits	234,561,459	244,463,480
Federal Home Loan Bank advances	44,200,000	46,000,000
Advance payments by borrowers for property taxes and insurance	3,197,095	3,677,434
Accrued interest payable and other liabilities	5,882,086	5,180,996
Total Liabilities	287,840,640	299,321,910
STOCKHOLDERS' EQUITY
Preferred stock ($0.01 par value, 5,000,000 authorized, no shares issued or outstanding as of June 30, 2019 and 2018, respectively)
Common stock ($0.01 par value, 20,000,000 authorized, 2,624,343 issued and outstanding as of June 30, 2019, no shares issued or outstanding as of June 30, 2018)	26,243	0
Additional paid in capital	11,319,328
Retained earnings, substantially restricted	15,910,369	16,309,708
Accumulated other comprehensive loss	(2,848,365)	(2,207,576)
Total Stockholders' Equity	24,407,575	14,102,132
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 312,248,215	$ 313,424,042