Consolidated Statements of Cash Flows - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Cash Flows from Operating Activities
Net Income (Loss)	$ (1,078,000)	$ 797,000
Adjustments to Reconcile Net Income (Loss) to Net
Recovery of Credit Losses	(1,210,000)	(325,000)
Gain on Sale of Asset	(141,000)
Depreciation	694,000	548,000
Net Amortization of Deferred Loan Costs	(11,000)	41,000
Net Amortization on Investment Securities	248,000	268,000
Loss on Sale of Investment Securities	1,144,000
Federal Home Loan Bank Stock Dividend	(29,000)	(23,000)
Deferred Tax Expense	(400,000)	135,000
Increase in Cash Surrender Value on Bank Owned Life Insurance	(353,000)	(312,000)
ESOP Compensation Expense	246,000
Changes in Operating Assets and Liabilities
Accrued Interest Receivable	(210,000)	12,000
Other Assets	(95,000)	(744,000)
Other Liabilities	141,000	399,000
Net Cash Provided by (Used in) Operating Activities	(1,054,000)	796,000
Proceeds from Sale or Maturities of Investment Securities
Available-for-Sale	28,051,000	10,704,000
Purchases of Investment Securities Available-for-Sale	(54,350,000)	(1,000,000)
Other Financial Institutions		249,000
Purchase of Federal Home Loan Bank Stock		(18,000)
Increase in Loans Receivable, Net	(1,184,000)	(14,666,000)
Proceeds from Sale of Premises and Equipment	509,000
Purchases of Premises and Equipment	(510,000)	(1,908,000)
Net Cash Used in Investing Activities	(27,484,000)	(6,639,000)
Cash Flows from Financing Activities
Increase in Deposits, Net	1,473,000	1,060,000
Federal Home Loan Bank Advances	(4,000,000)	4,000,000
Advances by Borrowers for Taxes, Insurance, and Repairs	928,000	54,000
Net proceeds from Issuance of Common Stock	48,747,000
Net Cash Provided by Financing Activities	47,148,000	5,114,000
Net Increase (Decrease) in Cash and Cash Equivalents	18,610,000	(729,000)
Cash and Cash Equivalents, Beginning of Year	19,306,000	20,035,000
Cash and Cash Equivalents, End of Year	37,916,000	19,306,000
Supplemental Disclosures of Cash Flow Information
Cash Paid During the Period for Interest	8,975,000	5,790,000
Cash Paid During the Period for Taxes		125,000
Investment Securities Available-for-Sale	$ 179,000	1,181,000
Non-Cash Investing and Financing Activities
Real Estate Owned Acquired Through Foreclosure		$ 42,000