Consolidated Balance Sheets - USD ($)	Dec. 31, 2024	Dec. 31, 2023
Assets
Cash and Due from Banks	$ 5,850,000	$ 4,587,000
Interest-Bearing Deposits at Other Financial Institutions	32,066,000	14,719,000
Total Cash and Cash Equivalents	37,916,000	19,306,000
Investment Securities Available-for-Sale, at Fair Value	92,987,000	67,901,000
Restricted Stock	910,000	881,000
Loans Receivable, Net of Unearned Income	369,032,000	367,840,000
Allowance for Credit Losses	(1,699,000)	(2,802,000)
Loans Receivable, Net	367,333,000	365,038,000
Bank Owned Life Insurance	10,685,000	10,332,000
Premises and Equipment, Net	11,923,000	12,475,000
Accrued Interest Receivable	1,967,000	1,757,000
Real Estate Owned	42,000	42,000
Deferred Tax Asset, Net	2,447,000	2,063,000
Other Assets	1,097,000	1,002,000
Total Assets	527,307,000	480,797,000
Deposits
Interest-Bearing	389,860,000	389,207,000
Noninterest-Bearing	1,616,000	796,000
Advances from Borrowers for Taxes, Insurance, and Repairs	5,280,000	4,352,000
Short-Term Federal Home Loan Bank Advances	0	4,000,000
Other Liabilities	4,776,000	4,644,000
Total Liabilities	401,532,000	402,999,000
Stockholders' Equity
Preferred Stock - $0.01 Par Value; 1,000,000 Shares Authorized, None issued and Outstanding at December 31, 2024 and 2023
Common Stock - $0.01 Par Value; 20,000,000 Shares Authorized: 5,559,473 and -0- Shares Issued and Outstanding at December 31, 2024 and December 31, 2023, Respectively	56,000
Additional Paid-In Capital	53,163,000
Unearned ESOP Stock	(4,226,000)
Retained Earnings	83,693,000	84,771,000
Accumulated Other Comprehensive Loss	(6,911,000)	(6,973,000)
Total Stockholders' Equity	125,775,000	77,798,000
Total Liabilities and Stockholders' Equity	$ 527,307,000	$ 480,797,000