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CONDENSED CONSOLIDATED BALANCE SHEETS (USD $)
In Thousands, unless otherwise specified
Mar. 31, 2013
Dec. 31, 2012
ASSETS    
Cash and due from banks $ 7,530 $ 9,332
Interest-bearing deposits in other financial institutions 6,663 6,627
Federal funds sold 444 2,669
Cash and cash equivalents 14,637 18,628
Investment securities available for sale, at fair value 103,298 100,490
Federal Home Loan Bank stock, at cost 1,363 1,448
Maryland Financial Bank stock 30 30
Loans, less allowance for credit losses (March 31: $3,291; December 31: $3,308) 252,070 249,632
Premises and equipment, at cost, less accumulated depreciation 3,874 3,873
Other real estate owned 412 478
Cash value of life insurance 8,739 8,681
Other assets 4,444 4,178
Total assets 388,867 387,438
Liabilities:    
Deposits 334,141 332,289
Long-term borrowings 20,000 20,000
Other liabilities 1,292 1,561
Total liabilities 355,433 353,850
Commitments and contingencies      
Stockholders' equity:    
Common stock, par value $1, authorized 15,000,000 shares; issued and outstanding: March 31: 2,736,978 shares; December 31: 2,736,978 shares 2,737 2,737
Surplus 9,605 9,605
Retained earnings 19,038 18,783
Accumulated other comprehensive gain, net of taxes 2,054 2,463
Total stockholders' equity 33,434 33,588
Total liabilities and stockholders' equity $ 388,867 $ 387,438