Consolidated Statements of Income - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Interest and Dividend Income
Loans, including fees	$ 8,171,041	$ 6,733,291
Securities	28,492	19,574
Dividends on Federal Home Loan Bank stock and other	334,948	241,690
Total interest and dividend income	8,534,481	6,994,555
Interest Expense
Deposits	1,948,595	1,429,302
Federal Home Loan Bank advances	954,999	653,968
Total interest expense	2,903,594	2,083,270
Net Interest Income	5,630,887	4,911,285
Provision for Loan Losses	25,000	45,000
Net Interest Income After Provision for Loan Losses	5,605,887	4,866,285
Noninterest Income
Gain on sales of loans	2,121,166	1,669,731
Mortgage servicing fees (costs)	(33,579)	255,855
Gain on merger with Kentucky Federal	0	2,192,340
Other	860,132	757,177
Total noninterest income	2,947,719	4,875,103
Noninterest Expense
Salaries and employee benefits	4,334,338	3,580,817
Occupancy and equipment	597,741	504,010
Directors compensation	194,083	177,250
Data processing	640,747	621,774
Professional fees	349,252	299,992
Franchise tax	207,584	156,528
Deposit insurance premiums	37,391	53,152
Advertising	95,920	174,574
Software licenses	118,388	91,607
Loan costs	336,428	397,674
Net gains on sales of foreclosed assets	(104,814)	(1,262)
Merger-related expenses	18,000	576,960
Other	842,380	615,712
Total noninterest expense	7,667,438	7,248,788
Income Before Income Taxes	886,168	2,492,600
Provision for Income Taxes	87,694	191,278
Net Income	$ 798,474	$ 2,301,322
Earnings per common share - basic	$ 0.45	$ 1.34
Earnings per common share - diluted	$ 0.44	$ 1.34
Weighted-average shares outstanding - basic	1,752,431	1,691,434
Weighted-average shares outstanding - diluted	1,778,369	1,695,259