CONSOLIDATED STATEMENTS OF (LOSS) INCOME - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Interest Income:
Loans Receivable	$ 3,484,000	$ 3,555,000
Investment Securities	155,000	119,000
Interest-Bearing Deposits	161,000	69,000
Total Interest Income	3,800,000	3,743,000
Interest Expense:
Deposits	1,261,000	928,000
Advances from Federal Home Loan Bank	682,000	726,000
Total Interest Expense	1,943,000	1,654,000
Net Interest Income	1,857,000	2,089,000
Provision (Credit) for Loan Losses	(9,000)	(11,000)
Net Interest Income After Provision (Credit) for Loan Losses	1,866,000	2,100,000
Non-Interest Income:
Service Charges and Other Income	100,000	124,000
Fees on Loans Sold	541,000	307,000
Gain (Loss) on Sales of Investment Securities	6,000	(55,000)
Gain on Sales of Other Real Estate		23,000
Income from Life Insurance	94,000	106,000
Total Non-Interest Income	741,000	505,000
Non-Interest Expenses:
Salaries and Employee Benefits	1,507,000	1,412,000
Occupancy Expense	256,000	196,000
FDIC Deposit Insurance Premium and Examination Fees	54,000	80,000
Data Processing	120,000	112,000
Accounting and Consulting	158,000	132,000
Other Real Estate Expense		1,000
Insurance	78,000	71,000
Legal fees	20,000	7,000
Other	221,000	245,000
Total Non-Interest Expenses	2,414,000	2,256,000
Income Before Income Tax Expense	193,000	349,000
Income Tax Expense	254,000	54,000
Net (Loss) Income	$ (61,000)	$ 295,000