INVESTMENT SECURITIES (Details) (USD $)	Jan. 31, 2012	Jul. 31, 2011
Schedule of Available-for-sale Securities [Line Items]
Equity Securities Amortized Cost Basis	$ 1,011,000	$ 2,381,000
Cost/Amortized Cost Basis
Securities	73,906,000	77,448,000
Fair Value
Securities	78,720,000	91,056,000
Gross Unrealized Holding Gains
Securities	4,878,000	13,671,000
Gross Unrealized Holding Losses
Securities	(64,000)	(63,000)
Net Unrealized Holding Gains
Securities	4,814,000	13,608,000
Corporate Debt Securities [Member]
Cost/Amortized Cost Basis
Securities	29,799,000	30,239,000
Fair Value
Securities	31,710,000	32,020,000
Gross Unrealized Holding Gains
Securities	1,945,000	1,814,000
Gross Unrealized Holding Losses
Securities	(34,000)	(33,000)
Net Unrealized Holding Gains
Securities	1,911,000	1,781,000
U.S. Treasury [Member]
Cost/Amortized Cost Basis
Securities	8,821,000	9,544,000
Fair Value
Securities	9,694,000	10,210,000
Gross Unrealized Holding Gains
Securities	873,000	666,000
Gross Unrealized Holding Losses
Securities	0	0
Net Unrealized Holding Gains
Securities	873,000	666,000
Federal agency [Member]
Cost/Amortized Cost Basis
Securities	27,120,000	28,042,000
Fair Value
Securities	28,962,000	29,404,000
Gross Unrealized Holding Gains
Securities	1,842,000	1,362,000
Gross Unrealized Holding Losses
Securities	0	0
Net Unrealized Holding Gains
Securities	1,842,000	1,362,000
Mortgage-backed [Member]
Cost/Amortized Cost Basis
Securities	6,155,000	6,242,000
Fair Value
Securities	6,340,000	6,356,000
Gross Unrealized Holding Gains
Securities	215,000	144,000
Gross Unrealized Holding Losses
Securities	(30,000)	(30,000)
Net Unrealized Holding Gains
Securities	185,000	114,000
Municipal government [Member]
Cost/Amortized Cost Basis
Securities	1,000,000	1,000,000
Fair Value
Securities	1,000,000	1,002,000
Gross Unrealized Holding Gains
Securities	0	2,000
Gross Unrealized Holding Losses
Securities	0	0
Net Unrealized Holding Gains
Securities	0	2,000
Equity Securities [Member]
Fair Value
Securities	1,014,000	12,064,000
Gross Unrealized Holding Gains
Securities	3,000	9,683,000
Gross Unrealized Holding Losses
Securities	0	0
Net Unrealized Holding Gains
Securities	$ 3,000	$ 9,683,000

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This item represents the cost of debt securities, which are categorized neither as held-to-maturity nor trading, net of adjustments including accretion, amortization, collection of cash, previous other-than-temporary impairments recognized in earnings (less any cumulative-effect adjustments recognized, as defined), and fair value hedge accounting adjustments, if any.

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This item represents the cost of equity securities, which are categorized neither as held-to-maturity nor trading, net of adjustments for other-than-temporary impairments recognized in earnings (less any cumulative-effect adjustments recognized, as defined), and fair value hedge accounting adjustments, if any.

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This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents Available-for-sale Securities which consist of all investments in certain debt and equity securities neither classified as trading or held-to-maturity securities. A debt security represents a creditor relationship with an enterprise. Debt securities include, among other items, US Treasury securities, US government securities, municipal securities, corporate bonds, convertible debt, commercial paper, and all securitized debt instruments. An equity security represents an ownership interest in an enterprise or the right to acquire or dispose of an ownership interest in an enterprise at fixed or determinable prices. Equity securities include, among other things, common stock, certain preferred stock, warrant rights, call options, and put options, but do not include convertible debt. An entity may opt to provide the reader with additional narrative text to better understand the nature of investments in debt and equity securities which are categorized as Available-for-sale.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

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The net amount of gross unrealized gains (losses) for securities, at a point in time, which are categorized neither as held-to-maturity nor trading securities.

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