CONSOLIDATED BALANCE SHEETS - USD ($)	Dec. 31, 2021	Dec. 31, 2020
ASSETS
Cash and Cash Equivalents	$ 7,316,000	$ 3,952,000
Interest-Bearing Deposits in Banks	7,742,000	9,488,000
Investment Securities	5,329,000	6,050,000
Loans Receivable, Net	75,943,000	69,892,000
Loans Held-for-Sale	401,000	3,610,000
Accrued Interest Receivable	421,000	436,000
Federal Home Loan Bank Stock	1,448,000	1,440,000
Premises and Equipment, Net	626,000	661,000
Cash Surrender Value of Life Insurance	4,225,000	4,137,000
Prepaid Expenses and Other Assets	144,000	230,000
Total Assets	103,595,000	99,896,000
Liabilities:
Deposits	60,963,000	56,428,000
Advances from Federal Home Loan Bank	18,218,000	19,443,000
Advance Payments by Borrowers for Taxes and Insurance	1,902,000	1,309,000
Deferred Tax Liability	7,000	12,000
Accrued Expenses and Other Liabilities	659,000	764,000
Total Liabilities	81,749,000	77,956,000
Commitments and Contingencies (Note 7)
Stockholders' 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, 1,191,627 and 1,210,902 Shares Issued and Outstanding on December 31, 2021 and December 31, 2020, Respectively	12,000	12,000
Additional Paid-in Capital	10,498,000	10,765,000
Unallocated Common Stock Held by: Employee Stock Ownership Plan (ESOP)	(1,006,000)	(1,052,000)
Retained Earnings	12,317,000	12,171,000
Accumulated Other Comprehensive Income	25,000	44,000
Total Stockholders' Equity	21,846,000	21,940,000
Total Liabilities and Stockholders' Equity	$ 103,595,000	$ 99,896,000