Consolidated Statements of Cash Flows (Unaudited) - USD ($)	6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020
CASH FLOWS FROM OPERATING ACTIVITIES:
Net Income	$ 6,102,934	$ 3,080,518
Adjustments To Reconcile Net Income To Net Cash Provided By Operating Activities:
Depreciation Expense	981,263	936,139
Discount Accretion and Premium Amortization, net	3,267,954	2,255,935
Provision for Loan Losses	(1,605,000)	1,400,000
Earnings on BOLI	(330,000)	(270,000)
Gain on Sales of Loans	(2,090,415)	(1,309,266)
Gain on Sales of Investment Securities and MBS	0	(1,193,320)
Gain on Sales of OREO	(105,422)	(23,007)
Operating Lease, Right-of-Use Asset, Amortization Expense	182,788	187,002
Amortization of Deferred Loan Costs, net	1,894,199	371,886
Proceeds From Sale of Loans Held For Sale	64,892,907	41,597,366
Origination of Loans Held For Sale	(61,887,199)	(42,453,324)
(Increase) Decrease in Accrued Interest Receivable:
Loans	(101,614)	(1,245,887)
MBS	(16,536)	(24,016)
Investment Securities	(109,108)	275,557
Increase in Advance Payments By Borrowers	214,123	293,911
Increase in Other, Net	1,111,430	795,549
Net Cash Provided By Operating Activities	12,402,304	4,675,043
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchase of MBS AFS	(38,774,193)	(50,610,348)
Proceeds from Paydowns, Maturities and Sales of MBS AFS	28,080,269	21,546,195
Proceeds from (Payments for) in Interest-bearing Deposits in Banks	250,000	0
Payments to Acquire Mortgage Backed Securities (MBS) categorized as Held-to-maturity	1,941,482
Proceeds from Maturities, Prepayments and Calls of Mortgage Backed Securities (MBS)	2,023,047	2,271,470
Purchase of Investment Securities AFS	(25,120,248)	(46,571,411)
Proceeds from Sale, Maturity and Collection of Investments	18,664,432	26,631,818
Purchase of FHLB Stock	0	(6,031,400)
Redemption of FHLB Stock	1,393,300	5,895,100
Increase (Decrease) In Loans Receivable	(25,323,771)	(81,214,022)
Proceeds From Sale of OREO	454,332	536,047
Purchase and Improvement of Premises and Equipment	(590,224)	(767,610)
Net Cash Used By Investing Activities	(40,884,538)	(128,314,161)
CASH FLOWS FROM FINANCING ACTIVITIES:
Increase in Deposit Accounts	76,259,023	103,778,075
Proceeds from FHLB Advances	0	226,285,000
Repayment of FHLB Advances	(25,000,000)	(221,923,000)
Proceeds from (Repayments of) Other Debt	11,110,440	9,373,253
Repayments of Convertible Debt		(132,000)
Proceeds from Bank Debt	171,515,000	19,900,000
Repayments of Short-term Debt	(209,565,000)	(10,200,000)
Proceeds from Stock Plans	0	12,968
Dividends to Common Stock Shareholders	(715,635)	(650,697)
Net Cash Provided By Financing Activities	23,603,828	126,443,599
Net (Decrease) Increase in Cash and Cash Equivalents	(4,878,406)	2,804,481
Cash and Cash Equivalents at Beginning of Period	18,025,409	12,536,311
Cash and Cash Equivalents at End of Period	13,147,003	15,340,792
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Cash Paid for Interest	1,323,087	4,184,818
Cash Paid for Income Taxes	1,705,442
Non-Cash Transactions:
Transfers From Loans Receivable to OREO	$ 0	19,600
Debt Conversion, Converted Instrument, Amount		$ 5,912,000