Consolidated Statements of Cash Flows (USD $)	12 Months Ended
	Mar. 31, 2012	Mar. 31, 2011
Net income (loss)	$ (493,944)	$ 467,847
Adjustments to reconcile net income (loss) to net cash provided by operating activities:
Amortization of ESOP	16,020	12,816
Deferred income tax (benefit)	(240,996)	282,610
Depreciation	325,603	343,936
Amortization of premiums and discounts, net	(2,859)	(43,447)
Income from bank owned life insurance	(5,805)	(5,699)
Provision for loan losses	1,601,892	440,100
Changes in operating assets and liabilities (Increase) decrease in:
Accrued interest receivable	41,422	34,158
Other assets	291,451	296,842
Prepaid and refundable income taxes	(160,250)	11,822
Real estate owned	(75,030)	221,295
Increase (decrease) in:
Accrued interest payable	(6,746)	(22,922)
Other liabilities	(38,714)	45,152
Net cash provided by operating activities	1,252,044	2,084,510
Cash Flows from Investing Activities
Proceeds from sale of securities available-for-sale	12,199	6,404
Purchases of securities held-to-maturity	(19,000,000)	(12,894,320)
Proceeds from maturities and principal repayments of securities held-to-maturity	17,241,424	13,601,302
Redemption of Federal Home Loan Bank stock	55,600	(68,000)
Net decrease in loans	2,833,820	2,317,646
Purchases of premises and equipment	(59,568)	(17,983)
Net cash provided by investing activities	1,083,475	2,945,049
Cash Flows from Financing Activities
Net increase (decrease) in deposits	746,481	(6,321,172)
Net increase (decrease) in advance payments by borrowers for taxes and insurance	5,056	(29,427)
(Payments) borrowing on line of credit from Atlantic Central Bankers Bank	(1,000,000)	1,000,000
(Payments on) advances from Federal Home Loan Bank	(1,100,000)	1,100,000
Net cash used in financing activities	(1,348,463)	(4,250,599)
Net Increase in Cash and Cash Equivalents	987,056	778,960
Cash and Cash Equivalents, Beginning of Year	5,662,629	4,883,669
Cash and Cash Equivalents, End of Year	6,649,685	5,662,629
Supplemental Disclosures of Cash Flow Information
Cash paid during the year for interest	1,438,264	1,912,576
Cash paid during the year for income taxes	161,920	3,540
Loans transferred to real estate owned	620,685	578,966
Total increase (decrease) in unrealized gain on securities available-for-sale, net of tax	$ 3,578	$ (2,218)