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CONDENSED CONSOLIDATED BALANCE SHEETS (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2014
Dec. 31, 2013
ASSETS    
Cash and due from banks $ 9,499 $ 9,214
Interest-bearing deposits in other financial institutions 4,651 1,636
Federal funds sold 2,415 103
Cash and cash equivalents 16,565 10,953
Investment securities available for sale, at fair value 83,760 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 (June 30: $2,663; December 31: $2,972) 281,282 270,684
Premises and equipment, at cost, less accumulated depreciation 3,736 3,697
Other real estate owned 163 1,171
Cash value of life insurance 9,026 8,915
Other assets 4,672 5,977
Total assets 400,562 377,194
Liabilities:    
Deposits 345,087 323,803
Long-term borrowings 20,000 20,000
Other liabilities 1,626 1,807
Total liabilities 366,713 345,610
Commitments and contingencies      
Stockholders' equity:    
Common stock, par value $1, authorized 15,000,000 shares; issued and outstanding: June 30: 2,754,305 shares; December 31: 2,747,370 shares 2,754 2,747
Surplus 9,786 9,714
Retained earnings 20,658 20,301
Accumulated other comprehensive gain (loss), net of taxes 651 (1,178)
Total stockholders' equity 33,849 31,584
Total liabilities and stockholders' equity $ 400,562 $ 377,194