Consolidated Statements of Changes of Cash Flows - USD ($)	3 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Cash flows from operating activities
Net income (loss)	$ 645,000	$ 472,000
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	0	15,000
Gain on sales of securities available for sale, net	0	(48,000)
Amortization of securities, net	116,000	134,000
Increase in cash surrender value of bank-owned life insurance	(64,000)	(60,000)
Depreciation and amortization, net	64,000	65,000
Deferred income tax expense	(60,000)	(69,000)
ESOP expense	23,000	0
Net change in:
Accrued interest receivable	(41,000)	66,000
Other, net	47,000	(168,000)
Net cash (used in) provided by operating activities	730,000	407,000
Activity in securities available for sale:
Maturities, prepayments and calls	14,000	23,000
Sales	0	2,031,000
Activity in securities held to maturity:
Maturities, prepayments and calls	2,700,000	5,061,000
Purchases	(9,718,000)	(10,259,000)
Loan originations and payments, net	(2,652,000)	3,306,000
Additions to premises and equipment	(40,000)	(6,000)
Purchase of bank-owned life insurance	0	(635,000)
Net cash (used in) provided by investing activities	(9,696,000)	(479,000)
Cash flows from financing activities:
Net increase in deposits	(7,023,000)	(2,452,000)
Net decrease in short-term borrowings	0	(459,000)
Net decrease in mortgagors' escrow accounts	63,000	12,000
Net cash provided by financing activities	(6,960,000)	(2,899,000)
Net change in cash and cash equivalents	(15,926,000)	(2,971,000)
Cash and cash equivalents at beginning of year	31,667,000	40,678,000
Cash and cash equivalents at end of year	15,741,000	37,707,000
Supplemental information:
Interest paid on deposits, short term borrowings and long-term debt	242,000	278,000
Income taxes paid	$ 435,000	$ 83,000