CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)	3 Months Ended		6 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2021	Dec. 31, 2020
INTEREST AND DIVIDEND INCOME
Interest and fees on loans	$ 2,303,453	$ 2,599,766	$ 4,559,599	$ 5,199,363
Interest and dividends on investment securities	194,662	149,355	375,945	301,345
Interest on federal funds sold	8,518	190	15,699	407
Interest on deposits in banks	60	222	67	564
Total Interest and Dividend Income	2,506,693	2,749,533	4,951,310	5,501,679
INTEREST EXPENSE
Interest on deposits	259,487	318,653	534,661	681,152
Interest on Federal Home Loan Bank borrowings	0	664	0	6,806
Total Interest Expense	259,487	319,317	534,661	687,958
Net interest income before provision for loan losses	2,247,206	2,430,216	4,416,649	4,813,721
Provision for loan losses	25,000	50,000	75,000	50,000
Net interest income after provision for loan losses	2,222,206	2,380,216	4,341,649	4,763,721
NON-INTEREST INCOME
Service fees on deposits	93,207	105,779	195,325	211,085
Service fees on loans	40,252	46,232	90,944	88,537
Gain on sales of mortgage loans	1,338,788	3,619,405	2,978,749	6,622,505
Income on sale of uninsured products	124,844	102,849	267,409	216,634
Net gain on sale of other real estate owned	0	(11,573)	0	(11,573)
Other income	6,699	5,253	12,849	13,841
Total Non-Interest Income	1,603,790	3,867,945	3,545,276	7,141,029
NON-INTEREST EXPENSES
Compensation and benefits	2,049,868	2,649,604	4,184,522	5,087,380
Occupancy	526,426	537,707	1,042,020	1,061,295
Advertising	49,995	37,545	77,990	77,590
Data processing services	250,842	291,498	535,006	560,316
FDIC assessment	20,990	26,570	40,981	66,810
Cost of operations for other real estate owned	4,620	159,564	6,530	176,675
Insurance expense	28,084	29,141	57,505	59,185
Professional fees	82,627	135,506	202,780	259,483
Other expenses	276,941	423,489	579,937	819,631
Total Non-Interest Expenses	3,290,393	4,290,624	6,727,271	8,168,365
Income before income taxes	535,603	1,957,537	1,159,654	3,736,385
Income tax expense	0	0	0	0
NET INCOME	$ 535,603	$ 1,957,537	$ 1,159,654	$ 3,736,385
Basic income per share	$ 0.20	$ 0.75	$ 0.44	$ 1.42
Diluted income per share	$ 0.20	$ 0.75	$ 0.44	$ 1.42