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CONDENSED CONSOLIDATED BALANCE SHEETS (USD $)
In Thousands, unless otherwise specified
Mar. 31, 2014
Dec. 31, 2013
ASSETS    
Cash and due from banks $ 8,237 $ 9,214
Interest-bearing deposits in other financial institutions 6,948 1,636
Federal funds sold 4,194 103
Cash and cash equivalents 19,379 10,953
Investment securities available for sale (AFS) 73,464 74,314
Federal Home Loan Bank stock, at cost 1,328 1,453
Maryland Financial Bank stock 30 30
Loans, less allowance for credit losses (March 31: $2,976; December 31: $2,972) 278,548 270,684
Premises and equipment, at cost, less accumulated depreciation 3,723 3,697
Other real estate owned 863 1,171
Cash value of life insurance 8,970 8,915
Other assets 5,080 5,977
Total assets 391,385 377,194
Liabilities:    
Deposits 336,923 323,803
Long-term borrowings 20,000 20,000
Other liabilities 1,466 1,807
Total liabilities 358,389 345,610
Commitments and contingencies      
Stockholders' equity:    
Common stock, par value $1, authorized 15,000,000 shares; issued and outstanding: March 31: 2,750,876 shares; December 31: 2,747,370 shares 2,751 2,747
Surplus 9,750 9,714
Retained earnings 20,498 20,301
Accumulated other comprehensive loss, net of taxes (3) (1,178)
Total stockholders' equity 32,996 31,584
Total liabilities and stockholders' equity $ 391,385 $ 377,194