CONSOLIDATED BALANCE SHEETS - USD ($)	Dec. 31, 2019	Dec. 31, 2018
ASSETS
Cash and Cash Equivalents	$ 11,875,000	$ 3,090,000
Interest-Bearing Deposits	1,740,000	750,000
Investment Securities	5,320,000	5,781,000
Loans Receivable, Net	78,785,000	81,072,000
Loans Held-for-Sale	1,637,000	533,000
Accrued Interest Receivable	321,000	337,000
Federal Home Loan Bank Stock	1,418,000	1,376,000
Premises and Equipment, Net	704,000	767,000
Cash Surrender Value of Life Insurance	4,044,000	3,950,000
Deferred Tax Asset	5,000	280,000
Prepaid Expenses and Other Assets	155,000	134,000
Total Assets	106,004,000	98,070,000
Liabilities:
Deposits	58,045,000	56,183,000
Advances from Federal Home Loan Bank	21,581,000	26,030,000
Advance Payments by Borrowers for Taxes and Insurance	1,425,000	1,447,000
Accrued Expenses and Other Liabilities	669,000	2,171,000
Total Liabilities	81,720,000	85,831,000
Commitments and Contingencies (Note 15)
Shareholders' Equity:
Preferred Stock, $0.01 par value, 1,000,000 shares authorized, no shares issued
Common Stock, $0.01 par value, 9,000,000 shares authorized, 1,429,676 shares issued and outstanding on December 31, 2019	14,000
Additional Paid-in Capital	13,112,000
Unallocated Common Stock Held by: Employee Stock Ownership Plan (ESOP)	(1,098,000)
Retained Earnings	12,274,000	12,335,000
Accumulated Other Comprehensive Loss	(18,000)	(96,000)
Total Shareholders' Equity	24,284,000	12,239,000
Total Liabilities and Shareholders' Equity	$ 106,004,000	$ 98,070,000