CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
ASSETS
Cash and due from banks	$ 2,452	$ 2,945
Short-term investments	5,701	3,184
Total cash and cash equivalents	8,153	6,129
Securities available for sale, at fair value	18,847	19,772
Securities held to maturity, at amortized cost (fair value of $2,453 at March 31, 2017 and $2,490 at December 31, 2016)	2,462	2,503
Federal Home Loan Bank stock, at cost	2,751	2,341
Bankers Bank Northeast stock, at cost	60	60
Loans held for sale		271
Loans, net of allowance for loan losses of $2,642 at March 31, 2017 and $2,605 at December 31, 2016	279,567	277,371
Premises and equipment, net	4,035	4,133
Accrued interest receivable	826	816
Bank-owned life insurance	3,231	3,206
Other assets	1,930	2,030
Total assets	321,862	318,632
LIABILITIES AND STOCKHOLDERS' EQUITY
Deposits	240,530	240,508
Short-term Federal Home Loan Bank advances	21,000	17,250
Long-term Federal Home Loan Bank advances	23,600	24,600
Mortgagors' escrow accounts	1,973	1,633
Accrued expenses and other liabilities	2,356	2,485
Total liabilities	289,459	286,476
Stockholders' equity:
Preferred stock, $0.01 par value per share: 50,000,000 shares authorized at March 31, 2017 and December 31, 2016; none outstanding
Common stock, $0.01 par value per share: 100,000,000 shares authorized, 1,836,250 shares issued at March 31, 2017 and 1,840,920 shares issued at December 31, 2016	18	18
Additional paid-in capital	19,809	19,871
Retained earnings	13,825	13,635
Accumulated other comprehensive loss	(5)	(41)
Unearned compensation - ESOP (70,595 shares unallocated at March 31, 2017 and 72,405 shares unallocated at December 31, 2016)	(733)	(753)
Unearned compensation - Restricted stock (30,076 shares non-vested at March 31, 2017 and 46,449 shares non-vested at December 31, 2016)	(511)	(574)
Total stockholders' equity	32,403	32,156
Total liabilities and stockholders' equity	$ 321,862	$ 318,632