Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Sep. 30, 2018	Jun. 30, 2018
ASSETS
Cash on hand and noninterest-bearing deposits in financial institutions	$ 8,579	$ 7,615
Federal funds sold and interest-bearing deposits in financial institutions	2,206	157
Total cash and cash equivalents	10,785	7,772
Certificates of deposit in other financial institutions	2,973	2,973
Securities, available-for-sale	137,668	144,028
Securities, held-to-maturity (fair value of $3,965 at September 30, 2018 and $4,048 at June 30, 2018)	3,929	4,024
Federal bank and other restricted stocks, at cost	1,459	1,459
Loans held for sale	2,663	1,448
Total loans	328,682	318,509
Less allowance for loan losses	(3,538)	(3,422)
Net loans	325,144	315,087
Cash surrender value of life insurance	9,404	9,335
Premises and equipment, net	13,474	13,315
Accrued interest receivable and other assets	3,290	3,178
Total assets	510,789	502,619
LIABILITIES
Noninterest-bearing demand	113,123	107,919
Interest bearing demand	85,618	81,299
Savings	162,749	162,204
Time	79,049	78,541
Total deposits	440,539	429,963
Short-term borrowings	2,902	13,367
Federal Home Loan Bank advances	19,739	11,756
Accrued interest and other liabilities	3,639	3,772
Total liabilities	466,819	458,858
Commitments and contingent liabilities
SHAREHOLDERS’ EQUITY
Preferred stock (no par value, 350,000 shares authorized, none outstanding)	0	0
Common stock (no par value, 3,500,000 shares authorized; 2,854,133 shares issued as of September 30, 2018 and June 30, 2018)	14,628	14,630
Retained earnings	33,660	32,342
Treasury stock, at cost (120,288 and 124,489 common shares as of September 30, 2018 and June 30, 2018, respectively)	(1,515)	(1,576)
Accumulated other comprehensive loss	(2,803)	(1,635)
Total shareholders’ equity	43,970	43,761
Total liabilities and shareholders’ equity	$ 510,789	$ 502,619