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CONSOLIDATED BALANCE SHEETS (USD $)
In Thousands, unless otherwise specified
Sep. 30, 2012
Jun. 30, 2012
ASSETS    
Cash on hand and noninterest-bearing deposits in financial institutions $ 8,248 $ 6,663
Federal funds sold and interest-bearing deposits in financial institutions 2,385 7,082
Total cash and cash equivalents 10,633 13,745
Certificates of deposit in other financial institutions 5,645 5,645
Securities, available-for-sale 105,662 105,335
Federal bank and other restricted stocks, at cost 1,186 1,186
Loans held for sale 408 377
Total loans 202,118 197,430
Less allowance for loan losses (2,338) (2,335)
Net loans 199,780 195,095
Cash surrender value of life insurance 5,652 5,605
Premises and equipment, net 5,849 5,752
Accrued interest receivable and other assets 2,150 2,021
Total assets 336,965 334,761
LIABILITIES    
Non-interest bearing demand 66,131 65,915
Interest bearing demand 35,453 35,055
Savings 98,116 99,041
Time 84,757 84,470
Total deposits 284,457 284,481
Short-term borrowings 15,005 13,722
Federal Home Loan Bank advances 6,427 6,446
Accrued interest and other liabilities 2,316 2,222
Total liabilities 308,205 306,871
Commitments and contingent liabilities 0 0
SHAREHOLDERS' EQUITY    
Preferred stock (no par value, 350,000 shares authorized, none outstanding) 0 0
Common stock (no par value, 3,500,000 shares authorized; 2,190,488 and 2,186,791 shares issued as of September 30, 2012 and June 30, 2012, respectively) 5,258 5,205
Retained earnings 23,108 22,740
Treasury stock, at cost (129,745 and 130,442 common shares as of September 30, 2012 and June 30, 2012, respectively) (1,650) (1,659)
Accumulated other comprehensive income 2,044 1,604
Total shareholders' equity 28,760 27,890
Total liabilities and shareholders' equity $ 336,965 $ 334,761