Consolidated Statements of Cash Flows (Unaudited) - USD ($)	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Cash Flows from Operating Activities
Net income	$ 695,893	$ 764,933
Adjustments to reconcile net income to net cash provided by operating activities
Depreciation, amortization and accretion	125,625	103,684
Provision for allowance for loan losses	0	0
Increase in cash surrender value of bank owned life insurance	(67,947)	(71,221)
Gain on mortgage loans sold, net	(353,930)	(540,053)
Proceeds from the sale of mortgage loans held for sale	19,680,093	27,581,298
Originations of mortgage loans held for sale	(19,020,878)	(26,679,176)
Change in:
Accrued interest receivable and other assets	(92,289)	400,594
Accrued interest payable and other liabilities	70,208	104,573
Net cash provided by operating activities	1,036,775	1,664,632
Cash Flows from Investing Activities
Net change in interest-bearing deposits in other banks	245,000	965,000
Purchase of investment securities available-for -sale	(5,010,156)	(5,145,391)
Proceeds from calls, paydowns and maturities of investment securities available-for-sale	740,998	1,428,101
Purchase of other investments	(732,500)	0
Proceeds from sales of other investments	0	114,600
Net change in loans	(2,199,249)	10,220,739
Purchase of premises and equipment	(70,611)	(69,065)
Net cash (used in) provided by investing activities	(7,026,518)	7,513,984
Cash Flows from Financing Activities:
Net change in deposits	17,518,540	13,414,660
Repayments of Federal Home Loan Bank advances	0	(470,238)
Net cash provided by financing activities	17,518,540	12,944,422
Net Change in Cash and Cash Equivalents	11,528,797	22,123,038
Cash and Cash Equivalents, Beginning of Period	41,890,831	41,876,399
Cash and Cash Equivalents, End of Period	53,419,628	63,999,437
Supplement Disclosures of Cash Flow Information:
Cash paid during the period for interest	160,125	331,981
Non-Cash Investing and Financing Activities:
Change in unrealized losses on securities-for-sale, net of tax	$ (1,318,938)	$ (116,965)