Condensed Consolidated Statements of Income - USD ($)		3 Months Ended		9 Months Ended
		Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Interest and Dividend Income
Loans, including fees		$ 1,917,455	$ 2,090,641	$ 5,943,370	$ 6,113,727
Securities		8,140	5,812	55,354	12,227
Dividends on Federal Home Loan Bank stock and other		22,796	73,123	133,968	236,381
Total interest and dividend income		1,948,391	2,169,576	6,132,692	6,362,335
Interest Expense
Deposits		385,543	488,044	1,317,389	1,420,147
Federal Home Loan Bank advances		228,812	274,770	716,956	673,009
Total interest expense		614,355	762,814	2,034,345	2,093,156
Net Interest Income		1,334,036	1,406,762	4,098,347	4,269,179
Provision for Loan Losses		0	25,000	65,000	25,000
Net Interest Income After Provision for Loan Losses		1,334,036	1,381,762	4,033,347	4,244,179
Noninterest Income
Gain on sales of loans		3,202,816	544,208	5,917,147	1,260,415
Mortgage servicing fees (costs)		(144,748)	(88,342)	(364,031)	79,583
Other		209,215	225,185	650,464	638,582
Total noninterest income		3,267,283	681,051	6,203,580	1,978,580
Noninterest Expense
Salaries and employee benefits		2,271,612	1,079,464	5,510,319	3,136,506
Occupancy and equipment		184,583	146,143	513,196	435,840
Directors compensation		42,251	43,773	132,583	148,333
Data processing		182,821	136,330	433,203	518,469
Professional fees		100,444	86,104	246,505	231,101
Franchise tax		55,202	54,081	166,062	154,379
Deposit insurance premiums		14,875	8,985	17,894	37,391
Advertising		79,575	14,936	190,809	75,759
Software licenses		38,483	31,885	108,023	88,842
Loan costs		194,191	117,376	412,896	277,237
Net gains on sales of foreclosed assets		0	(35,944)	0	(90,418)
Merger-related expenses		0		0	18,000
Other		244,360	216,321	707,391	673,026
Total noninterest expense		3,408,397	1,899,454	8,438,881	5,704,465
Income Before for Income Taxes		1,192,922	163,359	1,798,046	518,294
Provision for Income Taxes		254,389	17,217	361,568	60,097
Net Income		$ 938,533	$ 146,142	$ 1,436,478	$ 458,197
Earnings per common share - basic		$ 0.32	$ 0.05	$ 0.50	$ 0.16
Earnings per common share - diluted		$ 0.32	$ 0.05	$ 0.49	$ 0.16
Weighted-average shares outstanding - basic	[1]	2,891,567	2,859,981	2,882,861	2,858,016
Weighted-average shares outstanding - diluted	[1]	2,921,391	2,907,087	2,914,519	2,897,342

[1] Share amounts related to periods prior to the January 22, 2020 closing of the conversion offering have been restated to give retroactive recognition to the 1.6351 exchange ratio applied in the conversion offering. (see Note 1).