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CONDENSED CONSOLIDATED BALANCE SHEETS (USD $)
In Thousands, unless otherwise specified
Sep. 30, 2013
Dec. 31, 2012
ASSETS    
Cash and due from banks $ 8,568 $ 9,332
Interest-bearing deposits in other financial institutions 42 6,627
Federal funds sold 65 2,669
Cash and cash equivalents 8,675 18,628
Investment securities available for sale, at fair value 88,282 100,490
Federal Home Loan Bank stock, at cost 1,502 1,448
Maryland Financial Bank stock 30 30
Loans, less allowance for credit losses (September 30: $2,975; December 31: $3,308) 261,492 249,632
Premises and equipment, at cost, less accumulated depreciation 3,739 3,873
Other real estate owned 1,013 478
Cash value of life insurance 8,856 8,681
Other assets 5,819 4,178
Total assets 379,408 387,438
Liabilities:    
Deposits 323,025 332,289
Short-term borrowings 3,100  
Long-term borrowings 20,000 20,000
Other liabilities 1,914 1,561
Total liabilities 348,039 353,850
Commitments and contingencies      
Stockholders' equity:    
Common stock, par value $1, authorized 15,000,000 shares; issued and outstanding: September 30: 2,743,835 shares; December 31: 2,736,978 shares 2,744 2,737
Surplus 9,677 9,605
Retained earnings 19,925 18,783
Accumulated other comprehensive (loss) gain, net of taxes (977) 2,463
Total stockholders' equity 31,369 33,588
Total liabilities and stockholders' equity $ 379,408 $ 387,438