LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES (Details 7) (USD $)	6 Months Ended
	Mar. 31, 2013	Sep. 30, 2012
Delinquent and Non-Accrual Loans
Delinquent borrowers' classification, period past due	30 days
Period of repayment performance for non-accrual loans to return to an accrual status	6 months
Recorded investment in loans receivable by class that were 30 days or more past due
30 to 59 Days Past Due	$ 7,656,121	$ 5,202,946
60 to 89 Days Due	2,560,826	4,479,828
90 Days or More Past Due	8,479,154	16,450,827
Total Past Due	18,696,101	26,133,601
Current	1,003,274,420	966,710,635
Total Loans Receivable	1,021,970,521	992,844,236
Nonaccrual	36,186,648	47,643,101
Commercial loans
Delinquent and Non-Accrual Loans
Loans that have passed their contractual maturity dates and are in process of renewal	5,900,000	351,000
Recorded investment in loans receivable by class that were 30 days or more past due
Total Loans Receivable	633,271,136	591,431,264
Residential real estate
Recorded investment in loans receivable by class that were 30 days or more past due
30 to 59 Days Past Due	4,725,543	4,772,974
60 to 89 Days Due	2,526,111	4,405,920
90 Days or More Past Due	5,838,590	7,408,077
Total Past Due	13,090,244	16,586,971
Current	373,207,912	382,145,936
Total Loans Receivable	386,298,156	398,732,907
Nonaccrual	19,303,129	27,313,139
Residential real estate first mortgage
Recorded investment in loans receivable by class that were 30 days or more past due
30 to 59 Days Past Due	2,616,964	2,567,694
60 to 89 Days Due	1,667,333	3,229,337
90 Days or More Past Due	3,461,526	5,792,387
Total Past Due	7,745,823	11,589,418
Current	206,774,988	200,183,277
Total Loans Receivable	214,520,811	211,772,695
Nonaccrual	14,693,085	21,635,255
Residential real estate second mortgage
Recorded investment in loans receivable by class that were 30 days or more past due
30 to 59 Days Past Due	134,167	264,540
60 to 89 Days Due	215,600	273,642
90 Days or More Past Due	580,249	433,195
Total Past Due	930,016	971,377
Current	40,555,127	41,277,730
Total Loans Receivable	41,485,143	42,249,107
Nonaccrual	1,199,496	2,257,475
Home equity lines of credit
Recorded investment in loans receivable by class that were 30 days or more past due
30 to 59 Days Past Due	1,974,412	1,940,740
60 to 89 Days Due	643,178	902,941
90 Days or More Past Due	1,796,815	1,182,495
Total Past Due	4,414,405	4,026,176
Current	125,877,797	140,684,929
Total Loans Receivable	130,292,202	144,711,105
Nonaccrual	3,410,548	3,420,409
Commercial real estate
Recorded investment in loans receivable by class that were 30 days or more past due
30 to 59 Days Past Due	2,930,578	424,505
60 to 89 Days Due		69,756
90 Days or More Past Due	2,637,161	8,892,889
Total Past Due	5,567,739	9,387,150
Current	627,703,397	582,044,114
Total Loans Receivable	633,271,136	591,431,264
Nonaccrual	16,810,046	20,185,027
Land acquisition and development
Recorded investment in loans receivable by class that were 30 days or more past due
30 to 59 Days Past Due		110,308
90 Days or More Past Due	27,000	39,009
Total Past Due	27,000	149,317
Current	46,430,982	47,186,229
Total Loans Receivable	46,457,982	47,335,546
Nonaccrual	73,256	39,009
Real estate construction and development
Recorded investment in loans receivable by class that were 30 days or more past due
90 Days or More Past Due	33,100	357,643
Total Past Due	33,100	357,643
Current	18,552,380	21,535,974
Total Loans Receivable	18,585,480	21,893,617
Nonaccrual	29,448	388,767
Commercial & multi-family real estate
Recorded investment in loans receivable by class that were 30 days or more past due
30 to 59 Days Past Due	1,727,786	290,776
60 to 89 Days Due		69,756
90 Days or More Past Due	2,577,061	8,230,195
Total Past Due	4,304,847	8,590,727
Current	343,175,448	315,502,338
Total Loans Receivable	347,480,295	324,093,065
Nonaccrual	11,616,029	14,155,739
Commercial & industrial
Recorded investment in loans receivable by class that were 30 days or more past due
30 to 59 Days Past Due	1,202,792	23,421
90 Days or More Past Due		266,042
Total Past Due	1,202,792	289,463
Current	219,544,587	197,819,573
Total Loans Receivable	220,747,379	198,109,036
Nonaccrual	5,091,313	5,601,512
Consumer and other
Recorded investment in loans receivable by class that were 30 days or more past due
30 to 59 Days Past Due		5,467
60 to 89 Days Due	34,715	4,152
90 Days or More Past Due	3,403	149,861
Total Past Due	38,118	159,480
Current	2,363,111	2,520,585
Total Loans Receivable	2,401,229	2,680,065
Nonaccrual	$ 73,473	$ 144,935