LOANS (Details 4) (USD $)	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012	Dec. 31, 2012
Impaired loans by loan segment
Nonaccrual Loans	$ 12,680,000		$ 17,124,000
Accruing TDRs	7,561,000		7,388,000
Total Impaired Loans	20,241,000		24,512,000
Impaired Loans with Allowance	20,241,000		22,269,000
Impaired Loans without Allowance			2,243,000
Average recorded investment in impaired loans	20,600,000	27,000,000
Interest income recognized on impaired loans	100,000	85,000
One- to four-family
Impaired loans by loan segment
Nonaccrual Loans	2,928,000		3,355,000
Accruing TDRs	707,000		507,000
Total Impaired Loans	3,635,000		3,862,000
Impaired Loans with Allowance	3,635,000		3,862,000
Multi-family and commercial
Impaired loans by loan segment
Nonaccrual Loans	4,194,000		5,284,000
Accruing TDRs	6,840,000		6,867,000
Total Impaired Loans	11,034,000		12,151,000
Impaired Loans with Allowance	11,034,000		11,770,000
Impaired Loans without Allowance			381,000
Construction
Impaired loans by loan segment
Nonaccrual Loans	5,411,000		6,434,000
Total Impaired Loans	5,411,000		6,434,000
Impaired Loans with Allowance	5,411,000		6,434,000
Consumer loans
Impaired loans by loan segment
Nonaccrual Loans	147,000		2,051,000
Accruing TDRs	14,000		14,000
Total Impaired Loans	161,000		2,065,000
Impaired Loans with Allowance	161,000		203,000
Impaired Loans without Allowance			$ 1,862,000