CONDENSED CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015
ASSETS
Cash and due from banks	$ 6,481	$ 7,493
Interest-bearing deposits in other financial institutions	2,671	2,308
Federal funds sold	11,352	2,570
Cash and cash equivalents	20,504	12,371
Investment securities available for sale, at fair value	102,681	98,790
Federal Home Loan Bank stock, at cost	1,200	1,203
Maryland Financial Bank stock	30	30
Loans, less allowance for credit losses (June 30: $2,291; December 31: $3,150)	253,490	259,637
Premises and equipment, at cost, less accumulated depreciation	3,292	3,369
Other real estate owned	201	74
Cash value of life insurance	9,465	9,358
Other assets	4,931	5,748
Total assets	395,794	390,580
Liabilities:
Deposits	339,295	335,191
Long-term borrowings	20,000	20,000
Other liabilities	1,103	1,213
Total liabilities	360,398	356,404
Commitments and contingencies
Stockholders' equity:
Common stock, par value $1, authorized 15,000,000 shares; issued and outstanding: June 30: 2,780,025 shares; December 31: 2,773,361 shares	2,780	2,773
Surplus	10,069	9,986
Retained earnings	21,754	21,718
Accumulated other comprehensive income (loss), net of taxes	793	(301)
Total stockholders' equity	35,396	34,176
Total liabilities and stockholders' equity	$ 395,794	$ 390,580