CONDENSED CONSOLIDATED BALANCE SHEETS (USD $) In Thousands, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2013
ASSETS
Cash and due from banks	$ 7,112	$ 9,214
Interest-bearing deposits in other financial institutions	5,702	1,636
Federal funds sold	6,512	103
Cash and cash equivalents	19,326	10,953
Investment securities available for sale, at fair value	86,678	74,314
Federal Home Loan Bank stock, at cost	1,328	1,453
Maryland Financial Bank stock	30	30
Loans, less allowance for credit losses (September 30: $2,511; December 31: $2,972)	280,235	270,684
Premises and equipment, at cost, less accumulated depreciation	3,753	3,697
Other real estate owned	163	1,171
Cash value of life insurance	9,082	8,915
Other assets	4,649	5,977
Total assets	405,244	377,194
Liabilities:
Deposits	349,449	323,803
Long-term borrowings	20,000	20,000
Other liabilities	1,793	1,807
Total liabilities	371,242	345,610
Commitments and contingencies
Stockholders' equity:
Common stock, par value $1, authorized 15,000,000 shares; issued and outstanding: September 30: 2,757,490 shares; December 31: 2,747,370 shares	2,757	2,747
Surplus	9,820	9,714
Retained earnings	20,908	20,301
Accumulated other comprehensive gain (loss), net of taxes	517	(1,178)
Total stockholders' equity	34,002	31,584
Total liabilities and stockholders' equity	$ 405,244	$ 377,194