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Condensed Consolidated Balance Sheets (USD $)
In Thousands, unless otherwise specified
Sep. 30, 2012
Dec. 31, 2011
ASSETS    
Cash and due from banks $ 8,242 $ 6,877
Interest-bearing deposits in other financial institutions 4,578 2,423
Federal funds sold 306 654
Cash and cash equivalents 13,126 9,954
Investment securities available for sale, at fair value 95,461 102,867
Federal Home Loan Bank stock, at cost 1,448 1,520
Maryland Financial Bank stock 30 30
Loans, less allowance for credit losses (September 30: $3,944; December 31: $3,931) 251,628 232,734
Premises and equipment, at cost, less accumulated depreciation 3,942 4,108
Other real estate owned 865 1,111
Cash value of life insurance 8,618 8,433
Other assets 4,174 4,503
Total assets 379,292 365,260
Liabilities:    
Deposits 324,181 311,945
Short-term borrowings   255
Long-term borrowings 20,000 20,000
Other liabilities 1,818 1,849
Total liabilities 345,999 334,049
Commitments and contingencies      
Stockholders' equity:    
Common stock, par value $1, authorized 15,000,000 shares; issued and outstanding: September 30: 2,730,212 shares; December 31: 2,717,909 shares 2,730 2,718
Surplus 9,536 9,438
Retained earnings 18,448 17,209
Accumulated other comprehensive gain, net of taxes 2,579 1,846
Total stockholders' equity 33,293 31,211
Total liabilities and stockholders' equity $ 379,292 $ 365,260