CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
ASSETS
Cash and Cash Equivalents	$ 13,950	$ 11,875
Interest-Bearing Deposits	4,735	1,740
Investment Securities	5,120	5,320
Loans Receivable, Net	74,262	78,785
Loans Held-for-Sale	2,349	1,637
Accrued Interest Receivable	331	321
Federal Home Loan Bank Stock	1,426	1,418
Premises and Equipment, Net	690	704
Cash Surrender Value of Life Insurance	4,067	4,044
Deferred Tax Asset		5
Prepaid Expenses and Other Assets	183	155
Total Assets	107,113	106,004
Liabilities:
Deposits	57,752	58,045
Advances from Federal Home Loan Bank	23,597	21,581
Advance Payments by Borrowers for Taxes and Insurance	768	1,425
Deferred Tax Liability	8
Accrued Expenses and Other Liabilities	643	669
Total Liabilities	82,768	81,720
Commitments and Contingencies (Note 7)
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 March 31, 2020 and December 31, 2019	14	14
Additional Paid-in Capital	13,133	13,112
Unallocated Common Stock Held by: Employee Stock Ownership Plan (ESOP)	(1,098)	(1,098)
Retained Earnings	12,267	12,274
Accumulated Other Comprehensive Income (Loss)	29	(18)
Total Shareholders' Equity	24,345	24,284
Total Liabilities and Shareholders' Equity	$ 107,113	$ 106,004