CONSOLIDATED BALANCE SHEETS - USD ($)	Jun. 30, 2020	Jun. 30, 2019
ASSETS
Cash and due from banks	$ 2,763,126	$ 4,617,976
Federal funds sold	10,342,915	1,012,794
Cash and cash equivalents	13,106,041	5,630,770
Interest bearing deposits in banks	2,713,164	3,674,015
Available for sale securities - stated at fair value	20,297,595	20,542,118
Loans, less allowance for loan losses of $1,353,427 and $1,293,965 at June 30, 2020 and June 30, 2019, respectively	237,300,478	259,873,403
Loans held for sale	18,690,027	7,079,548
Other real estate owned, net	2,288,255	4,080,401
Premises and equipment, net	7,960,041	8,165,274
Federal Home Loan Bank stock	1,345,500	2,061,000
Accrued interest receivable and other assets	1,773,486	1,141,686
TOTAL ASSETS	305,474,587	312,248,215
Deposits.
Demand	93,627,648	77,414,345
Savings and NOW	75,397,948	70,385,843
Certificates of deposit	87,045,935	86,761,271
Total Deposits	256,071,531	234,561,459
Federal Home Loan Bank borrowings	9,000,000	44,200,000
Advance payments by borrowers for property taxes and insurance	2,882,067	3,197,095
Accrued interest payable and other liabilities	14,008,786	5,882,086
Total Liabilities	281,962,384	287,840,640
STOCKHOLDERS’ EQUITY
Preferred stock ($0.01 par value, 5,000,000 authorized, no shares issued or outstanding as of June 30, 2020 and June 30, 2019, respectively)
Common stock ($0.01 par value, 20,000,000 authorized, 2,624,343 issued and outstanding as of June 30, 2020 and June 30, 2019)	26,243	26,243
Additional paid in capital	11,319,328	11,319,328
Retained earnings	17,002,468	15,910,369
Accumulated other comprehensive loss	(4,835,836)	(2,848,365)
Total Stockholders’ Equity	23,512,203	24,407,575
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$ 305,474,587	$ 312,248,215