CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
ASSETS
Cash and due from banks	$ 2,545	$ 1,927
Short-term investments	6,493	5,831
Total cash and cash equivalents	9,038	7,758
Securities available for sale, at fair value	18,660	19,028
Securities held to maturity, at amortized cost (fair value of $3,110 at March 31, 2016 and $3,128 at December 31, 2015)	3,051	3,112
Federal Home Loan Bank stock, at cost	2,422	2,933
Bankers Bank Northeast stock, at cost	60	60
Loans, net of allowance for loan losses of $2,483 at March 31, 2016 and $2,408 at December 31, 2015	262,501	253,983
Premises and equipment, net	4,097	3,837
Accrued interest receivable	770	799
Bank-owned life insurance	3,127	3,101
Other assets	2,487	1,891
Total assets	306,213	296,502
LIABILITIES AND STOCKHOLDERS' EQUITY
Deposits	235,815	207,726
Short-term Federal Home Loan Bank advances	8,250	23,500
Long-term Federal Home Loan Bank advances	26,100	27,100
Mortgagors' escrow accounts	1,776	1,386
Due to broker for investment purchase		2,505
Accrued expenses and other liabilities	2,166	2,377
Total liabilities	$ 274,107	$ 264,594
Stockholders' equity:
Preferred stock, $0.01 par value per share: 50,000,000 shares authorized at March 31, 2016 and December 31, 2015; none outstanding
Common stock, $0.01 par value per share: 100,000,000 shares authorized, 1,840,920 shares issued at March 31, 2016 and 1,828,238 shares issued at December 31, 2015	$ 18	$ 18
Additional paid-in capital	19,690	19,402
Retained earnings	13,785	13,788
Accumulated other comprehensive income (loss)	200	46
Unearned compensation - ESOP (77,835 shares unallocated at March 31, 2016 and 79,645 shares unallocated at December 31, 2015)	(815)	(835)
Unearned compensation - Restricted stock (46,449 shares non-vested at March 31, 2016 and 44,866 shares non-vested at December 31, 2015)	(772)	(511)
Total stockholders' equity	32,106	31,908
Total liabilities and stockholders' equity	$ 306,213	$ 296,502