CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2016	Sep. 30, 2015
ASSETS
Cash and due from banks	$ 11,449	$ 9,884
Interest-bearing deposits with banks	17,893	15,110
Total cash and cash equivalents	29,342	24,994
Interest-bearing time deposits	3,100	3,100
Trading account securities, at fair value	9,255	9,044
Securities available for sale, at fair value	174,493	178,328
Securities held to maturity (fair value of $3,654 in 2016 and $5,191 in 2015)	3,166	4,620
Loans held for sale ($5,835 at fair value in 2015)	5,471	6,803
Loans, net of allowance for loan losses of $7,122 in 2016 and $6,624 in 2015	518,611	457,112
Federal Reserve Bank and Federal Home Loan Bank stock, at cost	6,936	6,720
Real estate development and construction	0	7,079
Premises and equipment	11,674	13,838
Other real estate owned, held for sale	519	618
Accrued interest receivable:
Loans	1,451	1,259
Securities	1,355	1,396
Cash surrender value of life insurance	18,214	17,766
Goodwill	7,936	7,936
Core deposit intangibles	1,037	1,381
Other assets	3,956	7,952
Total Assets	796,516	749,946
Deposits:
Noninterest-bearing	79,859	71,184
Interest-bearing	499,608	462,113
Total deposits	579,467	533,297
Repurchase agreements	1,345	1,342
Borrowings from Federal Home Loan Bank	121,633	104,867
Other long-term debt	0	4,632
Accrued interest payable	195	186
Advance payments by borrowers for taxes and insurance	1,014	883
Accrued expenses and other liabilities	6,282	10,382
Total Liabilities	709,936	655,589
STOCKHOLDERS' EQUITY
Preferred stock	0	0
Common stock of $.01 par value per share Authorized 20,000,000 shares; issued 2,542,042 shares; outstanding 2,204,787 shares (2,183,510 shares at September 30, 2015)	25	25
Retained earnings - substantially restricted	59,499	52,760
Accumulated other comprehensive income	5,944	4,210
Unearned ESOP shares	0	(197)
Less treasury stock, at cost - 337,255 shares (358,532 shares at September 30, 2015)	(6,070)	(6,357)
Total Stockholders' Equity	86,580	94,357
Total Liabilities and Stockholders' Equity	796,516	749,946
Preferred Stock
STOCKHOLDERS' EQUITY
Additional paid-in capital	0	17,120
Senior Non-Cumulative Perpetual Preferred Stock, Series A
STOCKHOLDERS' EQUITY
Preferred stock	0	0
Common Stock
STOCKHOLDERS' EQUITY
Additional paid-in capital	$ 27,182	$ 26,796