UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015
ASSETS
Cash and amounts due from depository institutions	$ 10,001	$ 7,496
Interest-earning bank balances	76,204	80,214
Cash and cash equivalents	86,205	87,710
Investment securities held to maturity (estimated fair value—$896 at June 30, 2016; $1,137 at December 31, 2015)	842	1,084
Investment securities available for sale (amortized cost—$107,763 at June 30, 2016; $113,944 at December 31, 2015)	106,789	111,908
Loans—net of allowance for loan losses of $3,245 at June 30, 2016 and $3,190 at December 31, 2015	791,219	783,948
Accrued interest receivable:
Loans	2,412	2,330
Investment securities	12	21
Federal Home Loan Bank stock—at cost	5,875	5,864
Office properties and equipment—net	12,059	12,359
Prepaid expenses and other assets	1,831	2,242
Real estate owned	1,662	1,814
Cash surrender value of life insurance	24,768	24,457
Net deferred tax asset	4,140	4,572
Goodwill	4,630	4,630
Other intangible assets	391	440
TOTAL ASSETS	1,042,835	1,043,379
LIABILITIES:
Non-interest bearing deposits	199,379	190,614
Interest bearing deposits	607,322	621,419
Advances from Federal Home Loan Bank	105,000	105,000
Advances from borrowers for taxes and insurance	5,184	4,591
Accrued interest payable	492	589
Other liabilities	9,807	9,377
Total liabilities	927,184	931,590
COMMITMENTS AND CONTINGENCIES
STOCKHOLDERS' EQUITY:
Preferred stock, $.01 par value, 5,000,000 shares authorized, none issued	0	0
Common stock, $.01 par value, 25,000,000 shares authorized, 7,307,590 shares issued; 6,412,678 shares outstanding at June 30, 2016; 6,403,058 shares outstanding at December 31, 2015	73	73
Additional paid-in capital	66,650	66,397
Retained earnings - partially restricted	65,243	62,480
Treasury stock—at cost: 894,912 shares at June 30, 2016; 904,532 shares at December 31, 2015	(12,559)	(12,694)
Common stock acquired by employee benefits plans	(2,126)	(2,297)
Deferred compensation plans trust	(878)	(783)
Accumulated other comprehensive loss	(752)	(1,387)
Total stockholders’ equity	115,651	111,789
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$ 1,042,835	$ 1,043,379