Consolidated Statements of Financial Condition (USD $)	Jun. 30, 2012	Mar. 31, 2012
Cash and cash equivalents
Cash and amounts due from banks	$ 597,040	$ 569,884
Interest-bearing deposits	7,007,601	6,079,801
Total cash and cash equivalents	7,604,641	6,649,685
Investment securities:
Securities held-to-maturity (fair value $22,131,230 and $17,606,748 at June 30, 2012 and March 31, 2012, respectively)	21,813,258	17,457,498
Securities available-for-sale (amortized cost of $232,356 and $237,096 at June 30, 2012 and March 31, 2012, respectively)	240,863	241,826
Total investment securities	22,054,121	17,699,324
Loans, net of allowance for loan losses of $1,239,784 at June 30, 2012 (unaudited), $1,160,535 at March 31, 2012	94,327,835	99,431,618
Accrued interest receivable	459,575	417,102
Premises and equipment, net	7,078,165	7,131,980
Federal Home Loan Bank, at cost	202,500	219,100
Deferred income taxes	1,013,850	991,000
Bank-owned life insurance	153,588	147,508
Prepaid and refundable income taxes		160,250
Real estate owned	881,214	845,669
Other assets	528,594	615,383
Total assets	134,304,083	134,308,619
Deposits
Non-interest bearing deposits	4,741,913	4,673,349
Interest bearing deposits	116,855,948	116,915,542
Total deposits	121,597,861	121,588,891
Accrued interest payable	12,153	15,912
Advance payments by borrowers for taxes and insurance	387,116	399,920
Other liabilities	539,906	560,432
Total liabilities	122,537,036	122,565,155
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	6,590,557	6,590,557
Retained earnings, substantially restricted	5,706,406	5,656,867
Unearned common stock held by employee stock ownership plan	(480,608)	(480,608)
Accumulated other comprehensive (Loss)	(65,655)	(39,699)
Total stockholder’s equity	11,767,047	11,743,464
Total liabilities and stockholders’ equity	$ 134,304,083	$ 134,308,619