Consolidated Statements of Financial Condition (USD $)	Sep. 30, 2011	Mar. 31, 2011
Cash and cash equivalents
Cash and amounts due from banks	$ 558,560	$ 658,449
Interest-bearing deposits	5,127,095	5,004,180
Total cash and cash equivalents	5,685,655	5,662,629
Investment securities:
Securities held-to-maturity (fair value $18,510,455 and $15,680,809 at September 30, 2011 and March 31, 2011, respectively)	18,199,983	15,696,063
Securities available-for-sale (amortized cost of $244,836 and $249,295 at September 30, 2011 and March 31, 2011, respectively)	250,250	248,062
Total investment securities	18,450,233	15,944,125
Loans, net of allowance for loan losses of $1,343,767 at September 30, 2011 (unaudited), $1,286,301 at March 31, 2011	102,770,858	103,867,330
Accrued interest receivable	456,128	458,524
Premises and equipment, net	7,232,116	7,398,015
Federal Home Loan Bank, at cost	331,600	274,700
Deferred income taxes	722,592	747,900
Bank-owned life insurance	147,508	141,703
Real estate owned	409,300	770,639
Other assets	671,737	906,834
Total assets	136,877,727	136,172,399
Deposits
Non-interest bearing deposits	4,345,516	4,161,255
Interest bearing deposits	116,504,953	116,681,155
Total deposits	120,850,469	120,842,410
Line of credit from Atlantic Central Bankers Bank		1,000,000
Advances from Federal Home Loan Bank	2,500,000	1,100,000
Accrued interest payable	23,768	22,658
Advance payments by borrowers for taxes and insurance	350,842	394,864
Other liabilities	709,498	599,146
Total liabilities	124,434,577	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	6,372,163	6,150,811
Unearned common stock held by employee stock ownership plan	(512,648)	(512,648)
Accumulated other comprehensive (Loss)	(39,289)	(47,766)
Total stockholder’s equity	12,443,150	12,213,321
Total liabilities and stockholders’ equity	$ 136,877,727	$ 136,172,399