Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Sep. 30, 2020	Jun. 30, 2020
ASSETS
Cash on hand and noninterest-bearing deposits in financial institutions	$ 8,239	$ 8,429
Federal funds sold and interest-bearing deposits in financial institutions	269	1,230
Total cash and cash equivalents	8,508	9,659
Certificates of deposit in other financial institutions	8,872	11,635
Securities, available-for-sale	136,903	143,918
Securities, held-to-maturity (fair value of $3,734 at September 30, 2020 and $3,868 at June 30, 2020)	3,441	3,541
Federal bank and other restricted stocks, at cost	2,472	2,472
Loans held for sale	5,729	3,507
Total loans	562,138	542,861
Less allowance for loan losses	(5,767)	(5,678)
Net loans	556,371	537,183
Cash surrender value of life insurance	9,508	9,442
Premises and equipment, net	15,151	14,901
Goodwill	836	836
Core deposit intangible, net	250	256
Accrued interest receivable and other assets	3,229	3,470
Total assets	751,270	740,820
LIABILITIES
Noninterest-bearing demand	188,130	190,233
Interest bearing demand	105,262	99,173
Savings	231,440	228,567
Time	115,266	115,382
Total deposits	640,098	633,355
Short-term borrowings	8,414	6,943
Federal Home Loan Bank advances	30,899	31,161
Accrued interest and other liabilities	6,432	6,121
Total liabilities	685,843	677,580
Commitments and contingent liabilities
SHAREHOLDERS’ EQUITY
Preferred stock (no par value, 350,000 shares authorized, none outstanding)	0	0
Common stock (no par value, 8,500,000 shares authorized; 3,124,053 shares issued as of September 30, 2020 and June 30, 2020)	20,011	19,974
Retained earnings	42,424	40,460
Treasury stock, at cost (95,953 and 108,475 common shares as of September 30, 2020 and June 30, 2020, respectively)	(1,324)	(1,454)
Accumulated other comprehensive income	4,316	4,260
Total shareholders’ equity	65,427	63,240
Total liabilities and shareholders’ equity	$ 751,270	$ 740,820