Consolidated Statements of Financial Condition (USD $)	Mar. 31, 2012	Mar. 31, 2011
Cash and amount due from depository institutions	$ 569,884	$ 658,449
Interest-bearing deposits in other banks	6,079,801	5,004,180
Total cash and cash equivalents	6,649,685	5,662,629
Investment securities
Securities held-to-maturity (fair value of $17,606,748 and $15,680,809 at March 31, 2012 and 2011, respectively)	17,457,498	15,696,063
Securities available-for-sale (amortized cost of $237,096 and $249,295 at March 31, 2012 and 2011, respectively)	241,826	248,062
Total investment securities	17,699,324	15,944,125
Loans, net of allowance for loan losses of $1,160,535 and $1,286,301 at March 31, 2012 and 2011, respectively	99,431,618	103,867,330
Accrued interest receivable	417,102	458,524
Premises and equipment, net	7,131,980	7,398,015
Federal Home Loan Bank stock, at cost	219,100	274,700
Deferred income taxes	991,000	747,900
Bank-owned life insurance	147,508	141,703
Prepaid and refundable income taxes	160,250
Real estate owned	845,669	770,639
Other assets	615,383	906,834
Total Assets	134,308,619	136,172,399
Deposits
Non-interest bearing deposits	4,673,349	4,161,255
Interest-bearing deposits	116,915,542	116,681,155
Total deposits	121,588,891	120,842,410
Line of credit from Atlantic Central Bankers Bank		1,000,000
Advances from Federal Home Loan Bank		1,100,000
Accrued interest payable	15,912	22,658
Advance payments by borrowers for taxes and insurance	399,920	394,864
Other liabilities	560,432	599,146
Total liabilities	122,565,155	123,959,078
Stockholders’ Equity
Preferred stock, $.01 par value, 3,000,000 shares authorized; None issued	0	0
Common stock, $.01 par value, 7,000,000 shares authorized; 1,634,725 shares issued and outstanding as of March 31, 2012 and 2011	16,347	16,347
Additional paid-in capital	6,590,557	6,606,577
Retained earnings, substantially restricted	5,656,867	6,150,811
Unearned common stock held by employee stock ownership plan	(480,608)	(512,648)
Accumulated other comprehensive loss	(39,699)	(47,766)
Total stockholders’ equity	11,743,464	12,213,321
Total Liabilities and Stockholders’ Equity	$ 134,308,619	$ 136,172,399