Consolidated Statements of Cash Flows - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Operating Activities
Net income	$ 798,474	$ 2,301,322
Items not requiring (providing) cash:
Depreciation and amortization	195,327	146,190
Provision for loan losses	25,000	45,000
Amortization of premiums and discounts on securities, net	10,430	10,122
Amortization of deferred prepayment penalty on Federal Home Loan Bank advances	4,628	4,628
Change in deferred income taxes	18,829	145,046
Gain on sale of loans	(2,121,166)	(1,669,731)
Proceeds from the sale of loans held for sale	94,080,210	57,038,358
Origination of loans held for sale	(93,791,125)	(54,429,543)
Earnings on cash surrender value of bank-owned life insurance	(89,403)	(77,173)
Stock based compensation expense	103,152	103,152
ESOP shares earned	63,789	53,951
Gain on sale of foreclosed assets	(104,814)	(1,262)
Gain on merger with Kentucky Federal	0	(2,192,340)
Changes in:
Interest receivable	(54,674)	(25,822)
Mortgage servicing rights	38,925	(342,919)
Federal Home Loan Bank lender risk account receivable	(9,964)	5,317
Other assets	(724,915)	(27,831)
Interest payable	37,691	15,319
Other liabilities	56,033	(214,820)
Net cash (used in) provided by operating activities	(1,463,573)	886,964
Investing Activities
Proceeds from maturities of available-for-sale securities	278,470	269,760
Proceeds from the sale of available-for-sale securities	0	4,999,893
Purchase of available for sale securities	(6,399,903)	0
Purchase of Federal Home Loan Bank stock	(74,300)	(18,700)
Net change in loans	(9,040,122)	(7,094,115)
Proceeds from the sale of interest-bearing time deposits	0	3,180,000
Proceeds from the maturities of interest-bearing time deposits	200,000	200,000
Purchase of premises and equipment	(142,589)	(59,146)
Cash received in merger with Kentucky Federal	0	2,224,645
Proceeds from sale of foreclosed assets	255,039	26,651
Net cash (used in) provided by investing activities	(14,923,405)	3,728,988
Financing Activities
Net increase in deposits	1,018,951	1,965,012
Proceeds from Federal Home Loan Bank advances	106,486,000	115,119,682
Repayment of Federal Home Loan Bank advances	(87,899,000)	(121,196,924)
Proceeds from stock subscriptions held in escrow	23,407,011	0
Proceeds from stock options exercised	12,874	0
Net increase in advances from borrowers for taxes and insurance	7,219	318,643
Net cash provided by (used in) financing activities	43,033,055	(3,793,587)
Increase in Cash and Cash Equivalents	26,646,077	822,365
Cash and Cash Equivalents, Beginning of Period	11,089,189	10,266,824
Cash and Cash Equivalents, End of Period	37,735,266	11,089,189
Supplemental Cash Flows Information
Interest paid	2,865,903	2,067,951
Income taxes paid	0	257,229
Real estate acquired in settlement of loans	48,127	27,869
Fair value of assets acquired		30,818,444
Less common stock issued		1,240,001
Less gain on merger recognized	$ 0	2,192,340
Liabilities assumed		$ 27,386,103