Consolidated Statements of Cash Flows (Unaudited) - USD ($)	6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021
Cash Flows from Operating Activities
Net income	$ 1,290,389	$ 1,335,136
Adjustments to reconcile net income to net cash provided by operating activities
Depreciation, amortization and accretion	260,348	215,095
Provision for loan losses	60,688	16,347
Increase in cash surrender value of bank owned life insurance	(135,960)	(141,707)
Gain on mortgage loans sold, net	(695,011)	(1,101,497)
Proceeds from the sale of mortgage loans held for sale	29,571,546	53,531,244
Originations of mortgage loans held for sale	(27,566,223)	(53,444,486)
Change in:
Accrued interest receivable and other assets	171,494	447,588
Accrued interest payable and other liabilities	427,544	408,135
Net cash provided by operating activities	3,384,815	1,265,855
Cash Flows from Investing Activities
Net change in interest-bearing deposits in other banks	965,000	2,201,000
Purchase of investment securities available-for -sale	(5,760,156)	(12,689,845)
Proceeds from calls, paydowns and maturities of investment securities available-for-sale	1,885,092	2,229,458
Purchase of other investments	(735,000)	0
Proceeds from sales of other investments	0	217,200
Net change in loans	(34,097,977)	(308,457)
Purchase of premises and equipment	(99,179)	(98,843)
Net cash used in investing activities	(37,842,220)	(8,449,487)
Cash Flows from Financing Activities:
Net change in deposits	51,022,422	18,571,342
Proceeds from stock subscriptions		36,999,679
Repayments of Federal Home Loan Bank advances	0	(940,476)
Net cash provided by financing activities	51,022,422	54,630,545
Net Change in Cash and Cash Equivalents	16,565,017	47,446,913
Cash and Cash Equivalents, Beginning of Period	41,890,831	41,876,399
Cash and Cash Equivalents, End of Period	58,455,848	89,323,312
Supplement Disclosures of Cash Flow Information:
Cash paid during the period for interest	332,709	611,532
Non-Cash Investing and Financing Activities:
Change in unrealized losses on securities-for-sale, net of tax	$ (2,327,799)	$ (88,999)