Consolidated Statements of Financial Condition (Current Period Unaudited) (USD $)	Jun. 30, 2013	Mar. 31, 2013
ASSETS
Cash and amounts due from banks	$ 503,847	$ 506,921
Interest-bearing deposits	4,150,012	6,215,845
Total cash and cash equivalents	4,653,859	6,722,766
Investment securities:
Securities held-to-maturity (fair value $24,784,858 and $20,285,670 at June 30, 2013 and March 31, 2013, respectively)	25,930,239	20,137,886
Securities available-for-sale (amortized cost of $2,209,613 and $2,217,032 at June 30, 2013 and March 31, 2013, respectively)	2,079,362	2,207,018
Total investment securities	28,009,601	22,344,904
Loans, net of allowance for loan losses of $1,023,614 at June 30, 2013 (unaudited), $1,032,818 at March 31, 2013	86,084,478	88,419,084
Accrued interest receivable	447,360	427,736
Premises and equipment, net	6,786,771	6,855,000
Federal Home Loan Bank, at cost	181,300	202,500
Deferred income taxes	1,290,100	1,228,400
Bank-owned life insurance	159,398	153,588
Prepaid and refundable income taxes	500
Real estate owned	2,155,566	2,469,800
Other assets	299,199	590,804
Total assets	130,068,132	129,414,582
LIABILITIES
Non-interest bearing deposits	6,955,949	6,872,713
Interest bearing deposits	110,962,425	110,161,401
Total deposits	117,918,374	117,034,114
Accrued interest payable	7,446	9,025
Advance payments by borrowers for taxes and insurance	373,818	366,604
Other liabilities	417,207	610,259
Total liabilities	118,716,845	118,020,002
COMMITMENTS AND CONTINGENCIES
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	6,570,852	6,570,852
Retained earnings, substantially restricted	5,366,426	5,332,716
Unearned common stock held by employee stock ownership plan	(448,567)	(448,567)
Accumulated other comprehensive (Loss)	(153,771)	(76,768)
Total stockholder’s equity	11,351,287	11,394,580
Total liabilities and stockholders’ equity	$ 130,068,132	$ 129,414,582