Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Sep. 30, 2019	Jun. 30, 2019
ASSETS
Cash on hand and noninterest-bearing deposits in financial institutions	$ 11,642	$ 9,322
Federal funds sold and interest-bearing deposits in financial institutions	860	139
Total cash and cash equivalents	12,502	9,461
Certificates of deposit in other financial institutions	1,493	1,983
Securities, available-for-sale	137,603	144,010
Securities, held-to-maturity (fair value of $3,764 at September 30, 2019 and $3,821 at June 30, 2019)	3,686	3,786
Federal bank and other restricted stocks, at cost	1,723	1,723
Loans held for sale	2,436	1,657
Total loans	383,820	369,175
Less allowance for loan losses	(3,909)	(3,788)
Net loans	379,911	365,387
Cash surrender value of life insurance	9,245	9,606
Premises and equipment, net	14,539	14,155
Accrued interest receivable and other assets	2,049	2,168
Total assets	565,187	553,936
LIABILITIES
Noninterest-bearing demand	122,196	116,239
Interest bearing demand	86,887	81,469
Savings	166,937	162,261
Time	111,414	112,205
Total deposits	487,434	472,174
Short-term borrowings	3,754	3,686
Federal Home Loan Bank advances	16,300	22,700
Accrued interest and other liabilities	4,706	4,210
Total liabilities	512,194	502,770
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, 2019 and June 30, 2019)	14,697	14,656
Retained earnings	37,621	36,487
Treasury stock, at cost (108,475 and 120,288 common shares as of September 30, 2019 and June 30, 2019, respectively)	(1,454)	(1,543)
Accumulated other comprehensive income	2,129	1,566
Total shareholders’ equity	52,993	51,166
Total liabilities and shareholders’ equity	$ 565,187	$ 553,936