Consolidated Statements of Income (Unaudited) (USD $)	3 Months Ended		6 Months Ended
	Sep. 30, 2011	Sep. 30, 2010	Sep. 30, 2011	Sep. 30, 2010
INTEREST INCOME
Loans	$ 1,362,744	$ 1,521,144	$ 2,771,119	$ 3,039,324
Investment securities	144,670	155,981	281,847	334,297
Total interest income	1,507,414	1,677,125	3,052,966	3,373,621
INTEREST EXPENSE
Interest-bearing checking accounts	14,048	22,568	28,909	45,898
Passbook and money market accounts	72,226	96,163	142,545	198,696
Certificates of deposits	283,538	376,357	574,208	800,463
Federal Home Loan Bank Advances	72		149
Total interest expense	369,884	495,088	745,811	1,045,057
Net interest income	1,137,530	1,182,037	2,307,155	2,328,564
Provision for loan losses	80,000	123,000	155,000	273,000
Net interest income after provision for loan losses	1,057,530	1,059,037	2,152,155	2,055,564
NON-INTEREST INCOME
Income from bank-owned life insurance			5,805	5,699
Gain (loss) on sale of real estate owned			(56,018)
Service charges	36,429	29,065	75,498	64,494
Rental income	2,850	3,617	5,700	3,617
Other	2,896	3,102	7,039	6,047
Total non-interest income	42,175	35,784	38,024	79,857
NON-INTEREST EXPENSE
Salaries and employee benefits	394,492	381,441	795,363	791,051
Advertising	7,339	5,687	12,347	10,539
Office supplies, telephone and postage	32,416	30,598	54,336	49,587
Loan expenses	38,311	(3,878)	43,693	(5,035)
Net occupancy expense	163,516	173,564	331,994	339,313
Federal insurance premiums	75,504	103,166	174,428	175,850
Data processing expenses	53,867	52,463	106,518	84,582
ATM expenses	5,105	5,349	10,335	9,502
Bank charges and fees	19,180	23,574	36,958	48,320
Insurance and surety bond premiums	20,140	19,261	41,068	33,373
Dues and subscriptions	9,170	4,587	15,793	12,183
Professional fees	65,843	63,220	125,070	125,387
Real Estate Owned expense	2,633	29,026	11,615	33,479
Other	28,645	37,586	56,937	74,601
Total non-interest expense	916,161	925,644	1,816,455	1,782,732
INCOME BEFORE INCOME TAX EXPENSE	183,544	169,177	373,724	352,689
Income taxes	73,380	66,994	152,372	118,730
NET INCOME	$ 110,164	$ 102,183	$ 221,352	$ 233,959
INCOME PER COMMON SHARE (in Dollars per share)	$ 0.07	$ 0.06	$ 0.14	$ 0.15