Consolidated Statements of Income (Unaudited) (USD $)	3 Months Ended		6 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
INTEREST INCOME
Loans	$ 1,145,982	$ 1,362,744	$ 2,339,694	$ 2,771,119
Investment securities	159,259	144,670	309,097	281,847
Total interest income	1,305,241	1,507,414	2,648,791	3,052,966
INTEREST EXPENSE
Interest-bearing checking accounts	8,826	14,048	17,872	28,909
Passbook and money market accounts	49,865	72,226	102,433	142,545
Certificates of deposits	222,725	283,538	464,239	574,208
Federal Home Loan Bank Advances		72		149
Total interest expense	281,416	369,884	584,544	745,811
Net interest income	1,023,825	1,137,530	2,064,247	2,307,155
Provision for loan losses	108,000	80,000	188,000	155,000
Net interest income after provision for loan losses	915,825	1,057,530	1,876,247	2,152,155
NON-INTEREST INCOME
Income from bank-owned life insurance			6,080	5,805
Gain (loss) on sale of real estate owned			869	(56,018)
Service charges	33,379	36,429	64,067	75,498
Rental income	53,187	2,850	77,613	5,700
Other	3,832	2,896	8,763	7,039
Total non-interest income	90,398	42,175	157,392	38,024
NON-INTEREST EXPENSE
Salaries and employee benefits	386,740	394,492	801,434	795,363
Advertising	6,449	7,339	12,325	12,347
Office supplies, telephone and postage	31,268	32,416	53,800	54,336
Loan expenses	201,874	38,311	273,949	43,693
Net occupancy expense	160,664	163,516	333,831	331,994
Federal insurance premiums	54,125	75,504	108,045	174,428
Real estate owned loss reserve			25,000
Data processing expenses	52,637	53,867	106,268	106,518
ATM expenses	7,157	5,105	13,565	10,335
Bank charges and fees	16,997	19,180	34,670	36,958
Insurance and surety bond premiums	19,241	20,140	38,777	41,068
Dues and subscriptions	4,917	9,170	9,210	15,793
Professional fees	58,486	65,843	124,823	125,070
Real Estate Owned expense	71,522	2,633	86,862	11,615
Other	28,888	28,645	61,079	56,937
Total non-interest expense	1,100,965	916,161	2,083,638	1,816,455
INCOME (LOSS) BEFORE INCOME TAX EXPENSE	(94,742)	183,544	(49,999)	373,724
Income tax expense (benefit)	(38,335)	73,380	(43,131)	152,372
NET INCOME (LOSS)	$ (56,407)	$ 110,164	$ (6,868)	$ 221,352
INCOME (LOSS) PER COMMON SHARE (in Dollars per share)	$ (0.04)	$ 0.07	$ 0.00	$ 0.14