DEPOSITS (Tables)

12 Months Ended

Jun. 30, 2015

Deposits [Abstract]

Schedule of Cash and Cash Equivalents Deposits [Table Text Block]

Deposits at June 30, 2015 and 2014 consist of the following:

	June 30, 2015					June 30, 2014
	(Dollars in thousands)
	Weighted					Weighted
	Average					Average
	Rate			Balance		Rate			Balance
Demand deposit accounts		0.07	%	$	144,752		0.08	%	$	135,344
Savings		0.27	%		113,368		0.23	%		98,927
Money market deposit accounts		0.14	%		20,648		0.12	%		31,102
Total demand and passbook deposits					278,768					265,373
Certificates of deposit:
Less than 12 months		0.61	%		72,640		0.81	%		90,082
12 months to 24 months		1.18	%		26,175		0.81	%		26,807
24 months to 36 months		1.42	%		6,851		2.07	%		9,644
More than 36 months		1.63	%		10,495		1.57	%		7,640
Individual retirement accounts		1.23	%		37,608		1.40	%		40,090
Total certificates of deposit					153,769					174,263
Total deposit accounts				$	432,537				$	439,636

Interest Expense [Table Text Block]

Interest expense on deposits is as follows:

	For the years ended June 30
	2015		2014
	(In thousands)
NOW and money market accounts	$	260	$	308
Savings		236		208
Certificates of deposit		1,634		1,916
	$	2,130	$	2,432

Schedule of Maturities of Time Deposits [Table Text Block]

Maturities of certificate accounts are as follows:

	June 30,		June 30,
	2015		2014
	(In thousands)
One year or less	$	88,753	$	106,584
1 – 2 years		35,151		36,365
2 – 3 years		14,554		19,675
3 – 4 years		7,396		8,119
4 – 5 years		7,718		3,226
Over 5 years		197		294
Totals	$	153,769	$	174,263