Consolidated Statements of Operations (Unaudited) (USD $)	3 Months Ended
	Jun. 30, 2011	Jun. 30, 2010
INTEREST INCOME
Loans	$ 1,408,375	$ 1,518,180
Investment securities	137,177	178,316
Total interest income	1,545,552	1,696,496
INTEREST EXPENSE
Interest-bearing checking accounts	14,861	23,330
Passbook and money market accounts	70,319	102,533
Certificates of deposits	290,670	424,106
Federal Home Loan Bank Advances	77
Total interest expense	375,927	549,969
Net interest income	1,169,625	1,146,527
Provision for loan losses	75,000	150,000
Net interest income after provision for loan losses	1,094,625	996,527
NONINTEREST INCOME
Income from bank-owned life insurance	5,805	5,699
Gain (loss) on sale of real estate owned	(56,018)
Service charges	39,069	35,429
Rental income	2,850
Other	4,143	2,945
Total noninterest income	(4,151)	44,073
NONINTEREST EXPENSE
Salaries and employee benefits	400,871	409,610
Advertising	5,008	4,852
Office supplies, telephone and postage	21,920	18,989
Loan expense	5,382	289
Net occupancy expense	168,478	165,749
Federal insurance premiums	98,924	72,684
Data processing expenses	52,651	32,119
ATM expenses	5,230	4,153
Bank charges and fees	17,778	24,746
Insurance and surety bond premium	20,928	14,112
Dues and subscriptions	6,623	7,596
Professional fees	59,227	62,167
Real estate owned expense…	8,982	4,453
Other	28,292	35,569
Total noninterest expense	900,294	857,088
INCOME (LOSS) BEFORE INCOME TAX EXPENSE (BENEFIT)	190,180	183,512
Income taxes	78,992	51,736
NET INCOME (LOSS)	$ 111,188	$ 131,776
INCOME (LOSS) PER COMMON SHARE (in Dollars per share)	$ 0.07	$ 0.08