Consolidated Statements of Financial Condition (USD $)	Sep. 30, 2012	Mar. 31, 2012
Cash and cash equivalents
Cash and amounts due from banks	$ 638,530	$ 569,884
Interest-bearing deposits	6,151,631	6,079,801
Total cash and cash equivalents	6,790,161	6,649,685
Investment securities:
Securities held-to-maturity (fair value $21,786,178 and $17,606,748 at September 30, 2012 and March 31, 2012, respectively)	21,451,335	17,457,498
Securities available-for-sale (amortized cost of $228,427 and $237,096 at September 30, 2012 and March 31, 2012, respectively)	239,523	241,826
Total investment securities	21,690,858	17,699,324
Loans, net of allowance for loan losses of $1,038,078 at September 30, 2012 (unaudited), $1,160,535 at March 31, 2012	92,694,794	99,431,618
Accrued interest receivable	465,092	417,102
Premises and equipment, net	7,002,286	7,131,980
Federal Home Loan Bank, at cost	202,500	219,100
Deferred income taxes	1,051,900	991,000
Bank-owned life insurance	153,588	147,508
Prepaid and refundable income taxes		160,250
Real estate owned	2,357,738	845,669
Other assets	500,416	615,383
Total assets	132,909,333	134,308,619
Deposits
Non-interest bearing deposits	4,720,272	4,673,349
Interest bearing deposits	115,297,381	116,915,542
Total deposits	120,017,653	121,588,891
Accrued interest payable	11,467	15,912
Advance payments by borrowers for taxes and insurance	362,370	399,920
Other liabilities	805,649	560,432
Total liabilities	121,197,139	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	5,649,999	5,656,867
Unearned common stock held by employee stock ownership plan	(480,608)	(480,608)
Accumulated other comprehensive (Loss)	(64,101)	(39,699)
Total stockholder’s equity	11,712,194	11,743,464
Total liabilities and stockholders’ equity	$ 132,909,333	$ 134,308,619