CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)	3 Months Ended		6 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2019	Dec. 31, 2018
INTEREST AND DIVIDEND INCOME
Interest and fees on loans	$ 2,837,250	$ 2,928,655	$ 5,761,686	$ 5,860,134
Interest and dividends on investment securities	167,581	177,130	331,080	345,883
Interest on federal funds sold	11,903	6,988	33,616	12,094
Interest on deposits in banks	1,978	515	7,502	1,261
Total Interest Income	3,018,712	3,113,288	6,133,884	6,219,372
INTEREST EXPENSE
Interest on deposits	473,716	371,289	933,952	723,324
Interest on Federal Home Loan Bank borrowings	89,357	266,514	293,298	507,932
Interest on federal funds purchased	19	79	57	100
Total Interest Expense	563,092	637,882	1,227,307	1,231,356
Net interest income before provision for loan losses	2,455,620	2,475,406	4,906,577	4,988,016
Provision for loan losses	0	0	0	0
Net interest income after provision for loan losses	2,455,620	2,475,406	4,906,577	4,988,016
NON-INTEREST INCOME
Service fees on deposits	116,943	124,095	239,548	244,500
Service fees on loans	60,959	94,135	104,333	156,199
Gain on sales of mortgage loans	936,979	287,496	2,187,722	621,782
Income on sale of uninsured products	77,445	65,970	170,512	141,910
Gain on sale of other real estate owned	104,890	0	109,708	0
Other income	5,225	8,837	12,598	16,507
Total Non-Interest Income	1,302,441	580,533	2,824,421	1,180,898
NON-INTEREST EXPENSES
Compensation and benefits	2,041,970	1,821,496	4,191,127	3,641,360
Occupancy	492,766	487,174	982,917	964,114
Advertising	53,422	53,309	134,198	163,579
Data processing services	266,395	298,507	571,814	600,532
FDIC assessment	51,285	118,278	23,826	236,720
Cost of operations for other real estate owned	11,782	19,272	23,096	89,884
Insurance expense	41,600	41,701	81,155	83,816
Professional fees	168,417	70,297	287,487	188,650
Other expenses	268,541	192,506	505,599	387,558
Total Non-Interest Expenses	3,396,178	3,102,540	6,801,219	6,356,213
Income (loss) before income taxes	361,883	(46,601)	929,779	(187,299)
Income tax expense	0	0	0	0
NET INCOME (LOSS)	$ 361,883	$ (46,601)	$ 929,779	$ (187,299)
Basic income per share	$ 0.14		$ 0.35
Diluted income per share	$ 0.14		$ 0.35