Consolidated Balance Sheets - USD ($)	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Assets
Cash and due from banks	$ 6,946,065	$ 7,493,524	$ 7,101,352
Interest-bearing deposits in other financial institutions	479,178	2,308,117	2,154,817
Federal funds sold	3,196,919	2,569,767	4,024,065
Cash and cash equivalents	10,622,162	12,371,408	13,280,234
Investment securities available for sale, at fair value	94,606,576	98,790,010	87,993,145
Federal Home Loan Bank stock, at cost	1,200,100	1,203,100	1,327,800
Maryland Financial Bank stock	30,000	30,000	30,000
Ground rents, at cost	163,634	163,638	169,200
Loans, less allowance for credit losses 2016 $2,483,865; 2015 $3,150,251; 2014 $3,117,870;	262,573,603	259,636,706	273,986,237
Premises and equipment, at cost, less accumulated depreciation	3,322,867	3,368,865	3,671,295
Accrued interest receivable on loans and investment securities	1,134,557	1,121,405	1,274,137
Deferred income tax benefits	3,159,917	2,684,611	3,045,235
Other real estate owned	113,893	74,400	45,175
Cash value of life insurance	9,327,878	9,357,712	9,138,658
Other assets	2,176,808	1,778,336	668,392
Total assets	388,431,995	390,580,191	394,629,508
Deposits:
Noninterest-bearing	100,089,967	93,584,864	88,562,924
Interest-bearing	233,147,361	241,606,666	250,314,368
Total deposits	333,237,328	335,191,530	338,877,292
Long-term borrowings	20,000,000	20,000,000	20,000,000
Dividends payable			276,096
Accrued interest payable on deposits	34,123	39,855	39,823
Other liabilities	1,346,355	1,172,993	1,605,770
Total liabilities	354,617,806	356,404,378	360,798,981
Commitments and contingencies
Stockholders' equity:
Common stock, par value $1, authorized 15,000,000 shares; issued and outstanding 2016 2,786,855 shares; 2015 2,773,361; 2014 2,760,964 shares;	2,786,855	2,773,361	2,760,964
Surplus	10,129,856	9,986,064	9,854,119
Retained earnings	21,707,535	21,718,122	21,112,714
Accumulated other comprehensive (loss) income, net of tax	(810,057)	(301,734)	102,730
Total stockholders' equity	33,814,189	34,175,813	33,830,527
Total liabilities and stockholders' equity	$ 388,431,995	$ 390,580,191	$ 394,629,508