Consolidated Statements of Financial Condition (USD $)	Jun. 30, 2011	Mar. 31, 2011
Cash and cash equivalents
Cash and amounts due from banks	$ 644,940	$ 658,449
Interest-bearing deposits	4,388,669	5,004,180
Total cash and cash equivalents	5,033,609	5,662,629
Investment securities:
Securities held-to-maturity (fair value $15,452,730 and $15,680,809 at June 30, 2011 and March 31,2011, respectively)	15,265,702	15,696,063
Securities available-for-sale (amortized cost of $247,494 and $249,295 at June 30, 2011 and March 31, 2011, respectively)	250,726	248,062
Total investment securities	15,516,428	15,944,125
Loans, net of allowance for loan losses of $1,366,262 at June 30, 2011 (unaudited), $1,286,301 at March 31, 2011	105,510,844	103,867,330
Accrued interest receivable	484,580	458,524
Premises and equipment, net	7,315,632	7,398,015
Federal Home Loan Bank, at cost	264,100	274,700
Deferred income taxes	737,010	747,900
Bank-owned life insurance	147,508	141,703
Real estate owned	369,300	770,639
Other assets	757,176	906,834
Total assets	136,136,187	136,172,399
Deposits
Non-interest bearing deposits	4,854,098	4,161,255
Interest bearing deposits	116,825,464	116,681,155
Total deposits	121,679,562	120,842,410
Line of credit from Atlantic Central Bankers Bank		1,000,000
Advances from Federal Home Loan Bank	1,000,000	1,100,000
Accrued interest payable	23,106	22,658
Advance payments by borrowers for taxes and insurance	424,464	394,864
Other liabilities	677,378	599,146
Total liabilities	123,804,510	123,959,078
STOCKHOLDERS’ EQUITY
Common stock, $.01 par value, 7,000,000 shares authorized; 1,634,725 shares issued and outstanding	16,347	16,347
Additional paid-in capital	6,606,577	6,606,577
Retained earnings, substantially restricted	6,261,999	6,150,811
Unearned common stock held by employee stock ownership plan	(512,648)	(512,648)
Accumulated other comprehensive (Loss)	(40,598)	(47,766)
Total stockholder’s equity	12,331,677	12,213,321
Total liabilities and stockholders’ equity	$ 136,136,187	$ 136,172,399