NOTE F - DEPOSITS

Deposits consist of the following major classifications at June 30:

(in thousands)	2017		2016

Non-interest bearing checking accounts	$	5,280	$	3,989
Checking accounts		13,461		14,456
Savings accounts		45,911		50,159
Money market demand deposits		13,909		13,200
Total demand, transaction and passbook deposits		78,561		81,814
Certificates of deposit:
Original maturities of:
Less than 12 months		67,649		75,007
12 months to 36 months		30,140		20,083
More than 36 months		6,495		11,668
Total certificates of deposit		104,284		106,758
Total deposits	$	182,845	$	188,572

At June 30, 2017 and 2016, the Banks had certificate of deposit accounts with balances equal to or in excess of $250,000 totaling approximately $4.7 million and $5.2 million, respectively.

Maturities of outstanding certificates of deposit at June 30 are summarized as follows:

(in thousands)	2017

2018	$	67,649
2019		25,099
2020		5,041
2021		3,759
2022 and thereafter		2,736
	$	104,284