CONSOLIDATED STATEMENTS OF CASH FLOWS $ in Thousands	12 Months Ended
	Dec. 31, 2015 USD ($)	Dec. 31, 2014 USD ($)
Cash flows from operating activities:
Net income	$ 1,518	$ 1,479
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	200	98
Amortization of securities, net	128	128
Net change in deferred loan fees and costs	2	61
Depreciation and amortization expense	385	343
(Increase) decrease in accrued interest receivable	(47)	(23)
Income from bank-owned life insurance	(102)	(101)
Stock-based compensation expense	431	293
Excess tax benefit on share-based compensation	(25)	(22)
Gain on sales of loans	(153)	(210)
Loans originated for sale	(2,964)	(20,629)
Proceeds from sales of loans, net of repurchases	4,107	20,850
Gain on sale of securities available for sale	(21)
Gain on sale of securities held to maturity	(39)
Gain on sale of other real estate owned		(8)
Net change in other assets and liabilities	1,382	(778)
Net cash provided by operating activities	4,802	1,481
Cash flows from investing activities:
Maturities, prepayments and calls	2,580	2,013
Purchases	(2,544)	(2,558)
Proceeds on sale of securities	204	0
Maturities, prepayments and calls	181	214
Purchases	(573)
Proceeds on sale of securities	663
Purchase of Federal Home Loan Bank stock	(26)
Purchase of Bankers Bank Northeast stock	(60)
Loan originations, net	(10,542)	(7,166)
Principal balance of loans purchased	(12,350)	(374)
Proceeds from sale of other real estate owned		8
Purchase of premises and equipment	(480)	(493)
Proceeds from sale of premises and equipment	77
Net cash used in investing activities	(22,870)	(8,356)
Cash flows from financing activities:
Net change in deposits	25,372	6,393
Net change in Federal Home Loan Bank advances with maturities of three months or less	(6,500)	(2,825)
Proceeds from Federal Home Loan Bank advances with maturities greater than three months	5,000	5,500
Repayments of Federal Home Loan Bank advances with maturities greater than three months	(2,500)	(3,000)
Net change in mortgagors' escrow accounts	192	(36)
Repurchase of common stock	(369)	(288)
Cash dividends paid on common stock	(323)	(274)
Exercise of stock options	11	6
Excess tax benefit on share-based compensation	25	22
Net cash provided by financing activities	20,908	5,498
Net change in cash and cash equivalents	2,840	(1,377)
Cash and cash equivalents at beginning of period	4,918	6,295
Cash and cash equivalents at end of period	7,758	4,918
Supplementary information:
Interest paid on deposit accounts	1,076	836
Interest paid on advances	643	606
Income taxes paid	1,266	$ 838
Due to broker for investment purchase	$ 2,505