CONSOLIDATED BALANCE SHEETS (USD $)	Mar. 31, 2013	Sep. 30, 2012
ASSETS
Cash and amounts due from depository institutions	$ 16,274,156	$ 15,834,193
Federal funds sold and overnight interest-bearing deposits	53,833,320	46,500,729
Total cash and cash equivalents	70,107,476	62,334,922
Debt and mortgage-backed securities available for sale, at fair value	34,287,192	21,921,417
Mortgage-backed securities held to maturity, at amortized cost (fair value of $5,650,508 and $6,096,227 at March 31, 2013 and September 30, 2012, respectively)	5,277,629	5,656,963
Capital stock of Federal Home Loan Bank, at cost	4,535,100	5,558,600
Mortgage loans held for sale, at lower of cost or market	144,031,014	180,574,694
Loans receivable (net of allowance for loan losses of $18,607,768 and $17,116,595 at March 31, 2013 and September 30, 2012, respectively)	1,003,362,753	975,727,642
Real estate acquired in settlement of loans (net of allowance for losses of $1,328,300 and $4,706,775 at March 31, 2013 and September 30, 2012, respectively)	8,818,133	13,952,168
Premises and equipment, net	17,955,572	18,415,977
Goodwill	3,938,524	3,938,524
Accrued interest receivable	3,595,979	3,888,611
Bank-owned life insurance	32,297,378	31,844,074
Deferred tax assets	10,467,964	11,638,492
Prepaid expenses, accounts receivable and other assets	11,960,594	12,065,342
Total assets	1,350,635,308	1,347,517,426
Liabilities:
Deposits	1,094,251,455	1,081,698,318
Borrowed money	97,942,729	109,981,455
Subordinated debentures	19,589,000	19,589,000
Advance payments by borrowers for taxes and insurance	2,698,626	5,589,385
Accrued interest payable	606,194	695,111
Other liabilities	12,646,371	11,796,985
Total liabilities	1,227,734,375	1,229,350,254
Stockholders' Equity:
Preferred stock - $.01 par value per share, 1,000,000 shares authorized; 25,418 shares issued at March 31, 2013 and September 30, 2012: $1,000 per share liquidation value, net of discount	25,152,015	24,976,239
Common stock - $.01 par value per share, 18,000,000 shares authorized; 13,068,618 shares issued at March 31, 2013 and September 30, 2012	130,687	130,687
Treasury stock at cost; 2,078,929 and 2,114,246 shares at March 31, 2013 and September 30, 2012, respectively	(15,960,354)	(15,939,378)
Additional paid-in capital	57,639,834	56,849,475
Accumulated other comprehensive income, net	2,386	21,475
Retained earnings	55,936,365	52,128,674
Total stockholders' equity	122,900,933	118,167,172
Total liabilities and stockholders' equity	$ 1,350,635,308	$ 1,347,517,426