CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended
	Sep. 30, 2015	Sep. 30, 2014
Interest income
Loans, including fees	$ 2,795	$ 2,704
Securities, taxable	457	463
Securities, tax-exempt	344	352
Federal funds sold and other interest bearing deposits	24	14
Total interest income	3,620	3,533
Interest expense
Deposits	176	190
Short-term borrowings	8	7
Federal Home Loan Bank advances	43	48
Total interest expense	227	245
Net interest income	3,393	3,288
Provision for loan losses	92	67
Net interest income after provision for loan losses	3,301	3,221
Non-interest income
Service charges on deposit accounts	314	320
Debit card interchange income	234	229
Bank owned life insurance income	46	44
Securities gains, net	35	37
Gain on disposition of other real estate owned	0	22
Other	106	139
Total non-interest income	735	791
Non-interest expenses
Salaries and employee benefits	1,732	1,717
Occupancy and equipment	342	368
Data processing expenses	144	142
Professional and director fees	97	97
FDIC assessments	58	60
Franchise taxes	82	77
Marketing and advertising	93	66
Telephone and network communications	75	72
Debit card processing expenses	116	114
Other	398	359
Total non-interest expenses	3,137	3,072
Income before income taxes	899	940
Income tax expense	172	184
Net income	$ 727	$ 756
Basic and diluted earnings per share	$ 0.27	$ 0.28