10-K
2012-03-31
false
Security Federal Corporation
0000818677
--03-31
Smaller Reporting Company
Yes
No
No
2012
FY
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<!--egx--><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">(1)</font></b></p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><u><font style="text-decoration:underline; font-weight:700">Significant Accounting Policies</font></u></b></p></td></tr></table></div><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The following is a description of the more significant accounting and reporting policies used in the preparation and presentation of the accompanying consolidated financial statements.  All significant intercompany transactions have been eliminated in consolidation.</p><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"></td><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">(a)</p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><u><font style="text-decoration:underline">Basis of Consolidation and Nature of Operations</font></u></p></td></tr></table></div><p style="text-align:justify; padding:0; margin:0">The accompanying consolidated financial statements include the accounts of Security Federal Corporation (the “Company”) and its wholly owned subsidiary, Security Federal Bank (the “Bank”) and the Bank’s wholly owned subsidiaries, Security Federal Insurance, Inc. (“SFINS”) and Security Financial Services Corporation (“SFSC”).  Security Federal Corporation has a wholly owned subsidiary, Security Federal Statutory Trust (the “Trust”), which issued and sold fixed and floating rate capital securities of the Trust.  However, under current accounting guidance, the Trust is not consolidated in the financial statements.  The Bank is primarily engaged in the business of accepting savings and demand deposits and originating mortgage loans and other loans to individuals and small businesses for various personal and commercial purposes.  SFINS was formed during fiscal 2002 and began operating during the December 2001 quarter.  SFINS is an insurance agency offering auto, business, health, and home insurance.  SFINS has a wholly owned subsidiary, Collier Jennings Financial Corporation which has as subsidiaries Collier Jennings Inc., The Auto Insurance Store Inc., and Security Federal Premium Pay Plans Inc. Security Federal Premium Pay Plans Inc. has one wholly owned premium finance subsidiary and also has an ownership interest in four other premium finance subsidiaries.</p><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"></td><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">(b)</p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><u><font style="text-decoration:underline">Cash and Cash Equivalents</font></u></p></td></tr></table></div><p style="text-align:justify; padding:0; margin:0">For purposes of reporting cash flows, cash and cash equivalents include cash and due from banks, interest-bearing balances in other banks, and federal funds sold.  Cash equivalents have original maturities of three months or less.</p><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"></td><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">(c)</p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><u><font style="text-decoration:underline">Investment and Mortgage-Backed Securities</font></u></p></td></tr></table></div><p style="text-align:justify; padding:0; margin:0">Investment securities, including mortgage-backed securities, are classified in one of three categories: held to maturity, available for sale, or trading.  Management determines the appropriate classification of debt securities at the time of purchase. Investment securities are classified as held to maturity when the Company has the positive intent and ability to hold the securities to maturity.  These securities are recorded at cost and adjusted for amortization of premiums and accretion of discounts over the estimated life of the security using a method that approximates a level yield.  Prepayment assumptions on mortgage-backed securities are anticipated.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Management classifies investment securities that are not considered to be held to maturity as available for sale.  This type of investment is stated at fair value with unrealized gains and losses, net of tax, reported in a separate component of shareholders' equity (“accumulated other comprehensive income (loss)”).  Gains and losses from sales of investment and mortgage-backed securities available for sale are determined using the specific identification method.  The Company has no trading securities.</p><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"></td><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">(d)</p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><u><font style="text-decoration:underline">Loans Receivable Held for Investment</font></u></p></td></tr></table></div><p style="text-align:justify; padding:0; margin:0">Loans receivable that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off are reported at their outstanding principal balance adjusted for any charge-offs, the allowance for loan losses, and any deferred fees or costs on originated loans. Interest is recognized over the term of the loan based on the outstanding loan balance. Fees charged for originating loans, if any, are deferred and offset by the deferral of certain direct expenses associated with loans originated. The net deferred fees are recognized as yield adjustments by applying the interest method.</p><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"></td><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">(e)</p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><u><font style="text-decoration:underline">Allowance for Loan Losses</font></u></p></td></tr></table></div><p style="text-align:justify; padding:0; margin:0">The Company provides for loan losses using the allowance method.  Accordingly, all loan losses are charged to the related allowance and all recoveries are credited to the allowance for loan losses.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Additions to the allowance for loan losses are provided by charges to operations based on various factors, which, in management’s judgment, deserve current recognition in estimating possible losses.  Such factors considered by management include the fair value of the underlying collateral, stated guarantees by the borrower (if applicable), the borrower’s ability to repay from other economic resources, growth and composition of the loan portfolio, the relationship of the allowance for loan losses to the outstanding loans, loss experience, delinquency trends, and general economic conditions.  Management evaluates the carrying value of the loans periodically and the allowance is adjusted accordingly.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">While management uses the best information available to make evaluations, future adjustments may be necessary if economic conditions differ substantially from the assumptions used in making these evaluations.  The allowance for loan losses is subject to periodic evaluations by bank regulatory agencies that may require adjustments to be made to the allowance based upon the information that is available at the time of their examination.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The Company values impaired loans at the loan’s fair value if it is probable that the Company will be unable to collect all amounts due according to the terms of the loan agreement at the present value of expected cash flows, the market price of the loan, if available, or the value of the underlying collateral.  Expected cash flows are required to be discounted at the loan’s effective interest rate.  When the ultimate collectibility of an impaired loan’s principal is in doubt, wholly or partially, all cash receipts are applied to principal.  When this doubt does not exist, cash receipts are applied under the contractual terms of the loan agreement first to interest and then to principal.  Once the recorded principal balance has been reduced to zero, future cash receipts are applied to interest income to the extent that any interest has been foregone.  Further cash receipts are recorded as recoveries of any amounts previously charged off.</p><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"></td><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">(f)</p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><u><font style="text-decoration:underline">Loans Receivable Held for Sale</font></u></p></td></tr></table></div><p style="text-align:justify; padding:0; margin:0">Loans originated and intended for sale in the secondary market are carried at the lower of cost or estimated fair value in the aggregate.  Net unrealized losses are provided for in a valuation allowance by charges to operations.</p><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"></td><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">(g)</p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><u><font style="text-decoration:underline">Repossessed Assets Acquired in Settlement of Loans</font></u></p></td></tr></table></div><p style="text-align:justify; padding:0; margin:0">Repossessed assets represent real estate and other assets acquired through foreclosure or repossession and are initially recorded at the lower of cost (principal balance of the former mortgage loan less any specific valuation allowances) or estimated fair value less costs to sell.  Subsequent improvements are capitalized.  Costs of holding real estate, such as property taxes, insurance, general maintenance and interest expense, are expensed as a period cost.  Fair values are reviewed regularly and allowances for possible losses are established when the carrying value of the asset owned exceeds the fair value less estimated costs to sell.  Fair values are generally determined by reference to an outside appraisal.</p><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"></td><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">(h)</p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><u><font style="text-decoration:underline">Premises and Equipment</font></u></p></td></tr></table></div><p style="text-align:justify; padding:0; margin:0">Premises and equipment are carried at cost, net of accumulated depreciation.  Depreciation of premises and equipment is amortized on a straight-line method over the estimated useful life of the related asset.  Estimated lives are seven to 40 years for buildings and improvements and generally three to 10 years for furniture, fixtures and equipment.  Maintenance and repairs are charged to current expense.  The cost of major renewals and improvements are capitalized.</p><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"></td><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">(i)</p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0"><u><font style="text-decoration:underline">Intangible Assets and Goodwill</font></u></p></td></tr></table></div><p style="text-align:justify; padding:0; margin:0">Intangible Assets consist of the customer list and employment contracts resulting from the Company’s acquisition of Collier Jennings Financial Corporation in July 2006.  The goodwill also is a result of the excess of the cost over the fair value of net assets resulting from the Collier Jennings acquisition.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Intangible assets are amortized over their estimated economic lives using methods that reflect the pattern in which the economic benefits are utilized.  Goodwill is reviewed for impairment annually or whenever events or changes in circumstances indicate the carrying amount of an asset may not be recoverable.</p><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"></td><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">(j)</p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><u><font style="text-decoration:underline">Income Taxes</font></u></p></td></tr></table></div><p style="text-align:justify; padding:0; margin:0">Income tax expense or benefit is recognized for the net change during the year in the deferred tax liability or asset.  That amount together with income taxes currently payable is the total amount of income tax expense or benefit for the year.  Deferred taxes are provided for by the differences in financial reporting bases for assets and liabilities compared with their tax bases.  Generally, a current tax liability or asset is established for taxes presently payable or refundable and a deferred tax liability or asset is established for future tax items.  A valuation allowance, if applicable, is established for deferred tax assets that may not be realized.  Tax bad debt reserves in excess of the base year amount (established as taxable years ending March 31, 1988 or later) would create a deferred tax liability.  Deferred income taxes are provided for in differences between the provision for loan losses for financial statement purposes and those allowed for income tax purposes.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">On April 1, 2007, the Company adopted accounting guidance which prescribes a threshold and measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return and also provides guidance on derecognition, classification, interest and penalties, accounting in interim periods and disclosures. There was no cumulative effect adjustment upon adoption.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">There have been no gross amounts of unrecognized tax benefits or interest or penalties related to uncertain tax positions since adoption. There are no unrecognized tax benefits that would, if recognized, affect the effective tax rate. There are no positions for which it is reasonably possible that the total amounts of unrecognized tax benefits will significantly increase or decrease within the next 12 months. Years prior to March 31, 2009 are closed for federal, state and local income tax matters.</p><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"></td><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">(k)</p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><u><font style="text-decoration:underline">Loan Fees and Costs Associated with Originating Loans</font></u></p></td></tr></table></div><p style="text-align:justify; padding:0; margin:0">Loan fees received, net of direct incremental costs of originating loans, are deferred and amortized over the contractual life of the related loan.  The net fees are recognized as yield adjustments by applying the interest method.  Prepayments are not anticipated.</p><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"></td><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">(l)</p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><u><font style="text-decoration:underline">Interest Income</font></u></p></td></tr></table></div><p style="text-align:justify; padding:0; margin:0">Interest on loans is accrued and credited to income monthly based on the principal balance outstanding and the contractual rate on the loan.  The Company places loans on non-accrual status when they become greater than 90 days delinquent or when, in the opinion of management, full collection of principal or interest is unlikely.  When interest accrual is discontinued, all unpaid accrued interest is reversed. Interest income is subsequently recognized only to the extent cash payments are received first to principal and then to interest income. The loans are returned to an accrual status when full collection of principal and interest appears likely.</p><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"></td><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">(m)</p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><u><font style="text-decoration:underline">Advertising Expense</font></u></p></td></tr></table></div><p style="text-align:justify; padding:0; margin:0">Advertising and public relations costs are generally expensed as incurred.  External costs relating to direct mailing costs are expensed in the period in which the direct mailings are sent.  Advertising and public relations costs of $387,000, $393,000, and $404,000 were included in the Company’s results of operations for the years ended March 31, 2012, 2011, and 2010, respectively.</p><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"></td><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">(n)</p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><u><font style="text-decoration:underline">Stock-Based Compensation</font></u></p></td></tr></table></div><p style="text-align:justify; padding:0; margin:0">The Company accounts for compensation costs under its stock option plans using the fair value method. This method requires the measurement of the cost of employee services received in exchange for an award of equity instruments based upon the fair value of the award on the grant date. The cost of the award is recognized in the income statement over the vesting period of the award.</p><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"></td><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">(o)</p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><u><font style="text-decoration:underline">Earnings Per Share</font></u></p></td></tr></table></div><p style="text-align:justify; padding:0; margin:0">Accounting guidance specifies computation and presentation requirements for both basic EPS and, for entities with complex capital structures, diluted EPS.  Basic EPS is computed by dividing net income available to common shareholders by the weighted average number of common shares outstanding.  Diluted EPS is similar to the computation of basic EPS except that the denominator is increased to include the number of additional common shares that would have been outstanding if the dilutive potential common shares had been issued.  The dilutive effect of options and warrants outstanding is reflected in diluted earnings per share by application of the treasury stock method. The reverse treasury stock method is used to determine the dilutive effect of the mandatorily redeemable shares outstanding, which were issued by the Company in connection with the acquisition of the Collier-Jennings Companies.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Net income available to common shareholders represents consolidated net income adjusted for preferred dividends declared, accretion of discounts and amortization of premiums on preferred stock issuances and cumulative dividends related to the current dividend period that have not been declared as of period end.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The following tables provide a reconciliation of net income to net income available to common shareholders for the periods presented:</p><p style="text-align:left; padding:0; margin:0"> </p><table width="90%" style="text-align:left; width:90%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="37%" style="text-align:left; width:37%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="37%" colspan="6" style="text-align:left; width:37%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">For the Years Ended March 31,</p></td></tr><tr style="text-align:left"><td width="37%" style="text-align:left; width:37%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2012</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2011</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2010</p></td></tr><tr style="text-align:left"><td width="37%" style="text-align:left; background-color:#cceeff; width:37%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Earnings Available To Common Shareholders</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="37%" style="text-align:left; width:37%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">    Net Income</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">      1,795,375</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">      1,842,913</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="12%" style="text-align:left; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> 1,604,801</p></td></tr><tr style="text-align:left"><td width="37%" style="text-align:left; background-color:#cceeff; width:37%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Preferred Stock Dividends</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">         440,000</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">         666,453</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">900,000</p></td></tr><tr style="text-align:left"><td width="37%" style="text-align:left; width:37%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">Deemed Dividends On Preferred Stock From Net</p><p style="text-align:left; padding:0; margin:0">   Accretion Of Preferred Stock</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">                    -</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">          18,816</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">72,544</p></td></tr><tr style="text-align:left"><td width="37%" style="text-align:left; background-color:#cceeff; width:37%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Net Income Available To Common Shareholders</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">        1,355,375</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">       1,157,644</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">632,257</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">There were no dilutive securities or options for the year ended March 31, 2012, therefore no reconciliation is provided. The following tables show the effects of dilutive options and warrants on the Company’s earnings per share for the periods indicated:</p><p style="text-align:left; padding:0; margin:0"> </p><table width="90%" style="text-align:left; width:90%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="34%" colspan="5" style="text-align:left; width:34%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">For the Year Ended</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="34%" colspan="5" style="text-align:left; width:34%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">March 31, 2011</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Income</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Shares</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Per Share </p><p style="text-align:center; padding:0; margin:0" align="center">Amounts</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; background-color:#cceeff; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Basic EPS</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> $           1,157,644</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,684,130</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">0.43</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Effect of Diluted Securities:</p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; background-color:#cceeff; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">    Mandatorily Redeemable</p><p style="text-align:left; padding:0; margin:0">       Shares</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">78,694</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">(0.01)</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">    Senior Convertible Debentures</p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; background-color:#cceeff; width:27%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">Stock Options And Warrants</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Diluted EPS</p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$            1,157,644</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,762,824</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">0.42</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><table width="90%" style="text-align:left; width:90%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="34%" colspan="5" style="text-align:left; width:34%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">For the Year Ended</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="34%" colspan="5" style="text-align:left; width:34%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">March 31, 2010</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Income</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Shares</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Per Share </p><p style="text-align:center; padding:0; margin:0" align="center">Amounts</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; background-color:#cceeff; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Basic EPS</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"> $              632,257</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,460,855</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">0.26</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Effect of Diluted Securities:</p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; background-color:#cceeff; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">    Mandatorily Redeemable</p><p style="text-align:left; padding:0; margin:0">       Shares</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">66,729</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">(0.01)</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">    Senior Convertible Debentures</p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; background-color:#cceeff; width:27%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">Stock Options And Warrants</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Diluted EPS</p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:left; padding:0; margin:0">$               632,257</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,527,584</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">0.25</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The average market price used in calculating the assumed number of dilutive shares issued for the years ended March 31, 2012, 2011, and 2010 was $9.53, $10.64, and $11.69, respectively. As a result of the average stock price being less than the exercise price of all options and warrants in the years ended March 31, 2012, 2011 and 2010, the options are not dilutive in calculating diluted earnings per share for those years.</p><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"></td><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">(p)</p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><u><font style="text-decoration:underline">Use of Estimates</font></u></p></td></tr></table></div><p style="text-align:justify; padding:0; margin:0">The preparation of financial statements in conformity with Generally Accepted Accounting Principles (“GAAP”) requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and the disclosure of contingent assets and liabilities at the dates of the financial statements and the reported amounts of income and expenses during the reporting periods.  Actual results could differ from those estimates.</p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="72" colspan="2" style="text-align:left; width:0.75in; padding:0" valign="top"></td><td style="text-align:left; padding:0" valign="top"></td></tr><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"></td><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">(q)</p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><u><font style="text-decoration:underline">Recently Issued Accounting Standards</font></u></p></td></tr><tr style="text-align:left"><td width="36" style="text-align:left; width:36px; padding:0"></td><td width="36" style="text-align:left; width:36px; padding:0"></td><td width="676" style="text-align:left; width:676px; padding:0"></td></tr></table></div><p style="text-align:justify; padding:0; margin:0">The following is a summary of recent authoritative pronouncements that could affect accounting, reporting, and disclosure of financial information by the Company:</p><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">In July 2010, the Receivables topic of the Accounting Standards Codification (“ASC”) was amended by Accounting Standards Update (“ASU”) 2010-20 to require expanded disclosures related to a company’s allowance for credit losses and the credit quality of its financing receivables. The amendments require the allowance disclosures to be provided on a disaggregated basis. The Company is required to include these disclosures in its interim and annual financial statements. See Note 4 of the Notes to Consolidated Fianncial Statements.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Disclosures about Troubled Debt Restructurings (“TDRs”) required by ASU 2010-20 were deferred by the Financial Accounting Standards Board (“FASB”) in ASU 2011-01 issued in January 2011. In April 2011 the FASB issued ASU 2011-02 to assist creditors with their determination of when a restructuring is a TDR. The determination is based on whether the restructuring constitutes a concession and whether the debtor is experiencing financial difficulties as both events must be present.  Disclosures related to TDRs under ASU 2010-20 have been presented in Note 4.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">In December 2010, the Intangibles topic of the ASC was amended to modify Step 1 of the goodwill impairment test for reporting units with zero or negative carrying amounts. For those reporting units, an entity is required to perform Step 2 of the goodwill impairment test if it is more likely than not that a goodwill impairment exists. Any resulting goodwill impairment should be recorded as a cumulative effect adjustment to beginning retained earnings upon adoption. Impairments occurring subsequent to adoption should be included in earnings. The amendment was effective for the Company on April 1, 2011.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">In September 2011, the Intangibles topic was again amended to permit an entity to consider qualitative factors to determine whether it is more likely than not that the fair value of a reporting unit is less than its carrying amount as a basis for determining whether it is necessary to perform the two-step goodwill impairment test. This amendment will be effective for the Company on April 1, 2012.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">In April 2011, the criteria used to determine effective control of transferred assets in the Transfers and Servicing topic of the ASC was amended by ASU 2011-03. The requirement for the transferor to have the ability to repurchase or redeem the financial assets on substantially the agreed terms and the collateral maintenance implementation guidance related to that criterion were removed from the assessment of effective control. The other criteria to assess effective control were not changed. The amendments are effective for the Company beginning April 1, 2012 but are not expected to have a material effect on the consolidated financial statements.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">ASU 2011-04 was issued in May 2011 to amend the Fair Value Measurement topic of the ASC by clarifying the application of existing fair value measurement and disclosure requirements and by changing particular principles or requirements for measuring fair value or for disclosing information about fair value measurements. The amendments were effective for the Company beginning April 1, 2012 but are not expected to have a material effect on the consolidated financial statements.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The Comprehensive Income topic of the ASC was amended in June 2011. The amendment eliminates the option to present other comprehensive income as a part of the statement of changes in stockholders’ equity and requires consecutive presentation of the statement of net income and other comprehensive income. The amendments will be applicable to the Company on April 1, 2012 and will be applied retrospectively. In December 2011, the topic was further amended to defer the effective date of presenting reclassification adjustments from other comprehensive income to net income on the face of the financial statements. Companies should continue to report reclassifications out of accumulated other comprehensive income consistent with the presentation requirements in effect prior to the amendments while FASB redeliberates future requirements.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Other accounting standards that have been issued or proposed by the FASB or other standards-setting authorities are not expected to have a material impact on the Company’s financial position, results of operations or cash flows.</p><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"></td><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">(r)</p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><u><font style="text-decoration:underline">Risks and Uncertanties</font></u></p></td></tr></table></div><p style="text-align:justify; padding:0; margin:0">In the normal course of its business, the Company encounters two significant types of risk: economic and regulatory.  There are three main components of economic risk: interest rate risk, credit risk, and market risk.  The Company is subject to interest rate risk to the degree that its interest-bearing liabilities mature or reprice at different speeds, or on different bases, than its interest-earning assets.  Credit risk is the risk of default on the Company’s loan portfolio that results from borrowers’ inability or unwillingness to make contractually required payments.  Market risk reflects changes in the value of collateral underlying loans receivable, the valuation of real estate held by the Company, and the valuation of loans held for sale and mortgage-backed securities available for sale.  The Company is subject to the regulations of various government agencies.  These regulations can and do change significantly from period to period.  The Company also undergoes periodic examinations by the bank regulatory agencies, which may subject it to further changes with respect to asset valuations, amounts of required loss allowances, and operating restrictions, resulting from the regulators’ judgments based on information available to them at the time of their examination.</p><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"></td><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">(s)</p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><u><font style="text-decoration:underline">Reclassifications</font></u></p></td></tr></table></div><p style="text-align:justify; padding:0; margin:0">Certain amounts in prior years’ consolidated financial statements have been reclassified to conform to current year classifications.</p><p style="text-align:left; padding:0; margin:0"> </p>
<!--egx--><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">(2)</font></b></p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><u><font style="text-decoration:underline; font-weight:700">Investment and Mortgage-Backed Securities, Available for Sale </font></u></b></p></td></tr></table></div><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The amortized cost, gross unrealized gains, gross unrealized losses, and fair values of investment and mortgage-backed securities available for sale are as follows:</p><p style="text-align:left; padding:0; margin:0"> </p><table width="95%" style="text-align:left; width:95%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="26%" style="text-align:left; width:26%; padding:0" valign="top"></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="43%" colspan="7" style="text-align:left; width:43%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">March 31, 2012</p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; width:26%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center"> </p><p style="text-align:center; padding:0; margin:0" align="center"> </p><p style="text-align:center; padding:0; margin:0" align="center">Amortized Cost</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center"> </p><p style="text-align:center; padding:0; margin:0" align="center">Gross</p><p style="text-align:center; padding:0; margin:0" align="center">Unrealized</p><p style="text-align:center; padding:0; margin:0" align="center">Gains</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center"> </p><p style="text-align:center; padding:0; margin:0" align="center">Gross</p><p style="text-align:center; padding:0; margin:0" align="center">Unrealized</p><p style="text-align:center; padding:0; margin:0" align="center">Losses</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Fair value</p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; width:26%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; background-color:#cceeff; width:26%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">FHLB Securities</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,634,234</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">64,660</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">                -</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,698,894</p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; width:26%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">    Federal National Mortgage</p><p style="text-align:left; padding:0; margin:0">      Association (“FNMA”) and</p><p style="text-align:left; padding:0; margin:0">      Federal Home Loan Mortgage</p><p style="text-align:left; padding:0; margin:0">      Corporation (“FHLMC”) Bonds</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">2,926,566</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">560</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">5,275</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">2,921,851</p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; background-color:#cceeff; width:26%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Small Business Administration</p><p style="text-align:left; padding:0; margin:0">   (“SBA”) Bonds</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">85,064,224</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">1,357,490</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">142,912</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">86,278,802</p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; width:26%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Tax Exempt Municipal Bonds</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">23,231,375</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">971,739</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">77,389</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">24,125,725</p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; background-color:#cceeff; width:26%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Mortgage-Backed Securities</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">229,462,521</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">8,486,387</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">95,073</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">237,853,835</p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; width:26%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Equity Securities</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">102,938</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">27,188</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">75,750</p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; background-color:#cceeff; width:26%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">343,421,858</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">10,880,836</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">347,837</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">353,954,857</p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; width:26%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="43%" colspan="7" style="text-align:left; width:43%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">March 31, 2011</p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; width:26%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Amortized Cost</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Gross </p><p style="text-align:center; padding:0; margin:0" align="center">Unrealized </p><p style="text-align:center; padding:0; margin:0" align="center">Gains</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Gross </p><p style="text-align:center; padding:0; margin:0" align="center">Unrealized </p><p style="text-align:center; padding:0; margin:0" align="center">Losses</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Fair value</p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; width:26%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; background-color:#cceeff; width:26%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">FHLB Securities</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">14,428,778</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">125,259</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">344,705</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">14,209,332</p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; width:26%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Federal Farm Credit (“FFCB”) Securities</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,997,097</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">9,503</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2,006,600</p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; background-color:#cceeff; width:26%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">FNMA and FHLMC Bonds</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">11,959,119</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">298,129</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">11,660,990</p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; width:26%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">SBA Bonds</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">64,382,588</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">599,679</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">272,435</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">64,709,832</p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; background-color:#cceeff; width:26%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Taxable Municipal Bond</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">4,556,812</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">12,039</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">97,201</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">4,471,650</p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; width:26%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Tax Exempt Municipal Bonds</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,027,172</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">7,771</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,034,943</p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; background-color:#cceeff; width:26%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Mortgage-Backed Securities</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">233,933,275</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">6,681,694</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">534,276</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">240,080,693</p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; width:26%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Equity Securities</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">102,938</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">24,188</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">78,750</p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; background-color:#cceeff; width:26%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">333,387,779</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">7,435,945</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,570,934</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">339,252,790</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">FHLB securities, FFCB securities, FNMA and FHLMC bonds, and FNMA and FHLMC mortgage-backed securities are issued by government-sponsored enterprises (“GSEs”).  GSEs are not backed by the full faith and credit of the United States government.  SBA bonds are backed by the full faith and credit of the United States government. Included in the tables above and below in mortgage-backed securities are GNMA mortgage-backed securities, which are also backed by the full faith and credit of the United States government.  At March 31, 2012 and 2011, the Bank held an amortized cost and fair value of $143.8 million and $149.3 million, respectively, and $145.1 million and $148.5 million, respectively, in GNMA mortgage-backed securities included in mortgage-backed securities listed above. All mortgage-backed securities above are either GSEs or GNMA mortgage-backed securities. The balance does not include any private label mortgage-backed securities.</p><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The amortized cost and fair value of investment and mortgage-backed securities available for sale at March 31, 2012 are shown below by contractual maturity.  Expected maturities will differ from contractual maturities because borrowers have the right to prepay obligations with or without call or prepayment penalties.</p><p style="text-align:left; padding:0; margin:0"> </p><table width="75%" style="text-align:left; width:75%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; width:13%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Amortized Cost</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; width:13%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Fair Value</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Less Than One Year</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">One – Five Years</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">7,626,608</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">7,676,812</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Five – Ten Years</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">51,416,058</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">52,193,297</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">After Ten Years</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">54,916,671</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">56,230,913</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">Mortgage-Backed Securities</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">229,462,521</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">237,853,835</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="13%" style="text-align:left; width:13%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">343,421,858</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="13%" style="text-align:left; width:13%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">353,954,857</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">At March 31, 2012 and 2011, the amortized cost and fair value of investment and mortgage-backed securities available for sale pledged as collateral for certain deposit accounts, FHLB advances and other borrowings were $130.6 million and $137.1 million, respectively, and $131.4 million and $138.0 million, respectively.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The Bank received approximately $78.3 million, $65.0 million and $58.2 million, respectively, in proceeds from sales of available for sale securities during the years ended March 31, 2012, 2011, and 2010. As a result, the Bank recognized $2.3 million in gross gains and no gross losses for the year ended March 31, 2012, $1.5 million in gross gains and no gross losses for the year ended March 31, 2011, and $1.2 million in gross gains and no gross losses for the year ended March 31, 2010.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The following tables show gross unrealized losses and fair value, aggregated by investment category, and length of time that individual available for sale securities have been in a continuous unrealized loss position for the periods indicated.</p><p style="text-align:left; padding:0; margin:0"> </p><table width="95%" style="text-align:left; width:95%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="20%" style="text-align:left; width:20%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="54%" colspan="11" style="text-align:left; width:54%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">March 31, 2012</p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; width:20%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="18%" colspan="3" style="text-align:left; width:18%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Less than 12 Months</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" colspan="3" style="text-align:left; width:15%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">12 Months or More</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="19%" colspan="3" style="text-align:left; width:19%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Total</p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; width:20%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Fair</p><p style="text-align:center; padding:0; margin:0" align="center">Value</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Unrealized</p><p style="text-align:center; padding:0; margin:0" align="center">Losses</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Fair</p><p style="text-align:center; padding:0; margin:0" align="center">Value</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Unrealized </p><p style="text-align:center; padding:0; margin:0" align="center">Losses</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Fair</p><p style="text-align:center; padding:0; margin:0" align="center">Value</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Unrealized </p><p style="text-align:center; padding:0; margin:0" align="center">Losses</p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; background-color:#cceeff; width:20%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">FNMA And FHLMC Bonds</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,921,291</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">5,275</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,921,291</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">5,275</p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; width:20%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">SBA Bonds</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">12,508,821</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">142,912</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">12,508,821</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">142,912</p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; background-color:#cceeff; width:20%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Tax Exempt Municipal Bond</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">3,390,580</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">77,389</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">3,390,580</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">77,389</p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; width:20%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Mortgage-Backed Securities</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">23,053,784</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">95,073</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">23,053,784</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">95,073</p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; background-color:#cceeff; width:20%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Equity Securities</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">75,750</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">27,188</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">75,750</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">27,188</p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; width:20%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">40,874,476</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">320,649</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">75,750</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">27,188</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">40,950,226</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">347,837</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:left; padding:0; margin:0"> </p><table width="95%" style="text-align:left; width:95%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="19%" style="text-align:left; width:19%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="54%" colspan="11" style="text-align:left; width:54%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">March 31, 2011</p></td></tr><tr style="text-align:left"><td width="19%" style="text-align:left; width:19%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="19%" colspan="3" style="text-align:left; width:19%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0">Less than 12 Months</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" colspan="3" style="text-align:left; width:15%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0">12 Months or More</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="18%" colspan="3" style="text-align:left; width:18%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0">Total</p></td></tr><tr style="text-align:left"><td width="19%" style="text-align:left; width:19%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Fair</p><p style="text-align:center; padding:0; margin:0" align="center">Value</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Unrealized</p><p style="text-align:center; padding:0; margin:0" align="center">Losses</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Fair</p><p style="text-align:center; padding:0; margin:0" align="center">Value</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Unrealized </p><p style="text-align:center; padding:0; margin:0" align="center">Losses</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Fair</p><p style="text-align:center; padding:0; margin:0" align="center">Value</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Unrealized </p><p style="text-align:center; padding:0; margin:0" align="center">Losses</p></td></tr><tr style="text-align:left"><td width="19%" style="text-align:left; background-color:#cceeff; width:19%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">FHLB Securities</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">11,316,397</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">344,705</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">11,316,397</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">344,705</p></td></tr><tr style="text-align:left"><td width="19%" style="text-align:left; width:19%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">FNMA And FHLMC Bonds</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">11,660,990</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">298,129</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">11,660,990</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">298,129</p></td></tr><tr style="text-align:left"><td width="19%" style="text-align:left; background-color:#cceeff; width:19%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">SBA Bonds</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">22,878,098</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">272,435</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">22,878,098</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">272,435</p></td></tr><tr style="text-align:left"><td width="19%" style="text-align:left; width:19%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Taxable Municipal Bond</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,452,620</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">97,201</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,452,620</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">97,201</p></td></tr><tr style="text-align:left"><td width="19%" style="text-align:left; background-color:#cceeff; width:19%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Mortgage-Backed Securities</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">49,991,656</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:left; padding:0; margin:0"> </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">534,276</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:left; padding:0; margin:0"> </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">49,991,656</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">534,276</p></td></tr><tr style="text-align:left"><td width="19%" style="text-align:left; width:19%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Equity Securities</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">78,750</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">24,188</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">78,750</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">24,188</p></td></tr><tr style="text-align:left"><td width="19%" style="text-align:left; background-color:#cceeff; width:19%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">98,299,761</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,546,746</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">78,750</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">24,188</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">98,378,511</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,570,934</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Securities classified as available-for-sale are recorded at fair market value.  At March 31, 2012, 7.8% of the unrealized losses, or one individual security, consisted of securities in a continuous loss position for 12 months or more.  At March 31, 2011, 1.5% of the unrealized losses, or one individual security, consisted of securities in a continuous loss position for 12 months or more. The Company has the ability and intent to hold these securities until such time as the value recovers or the securities mature.  The Company believes, based on industry analyst reports and credit ratings, that the deterioration in value is attributable to changes in market interest rates and is not in the credit quality of the issuer and therefore, these losses are not considered other-than-temporary. The Company reviews its investment securities portfolio at least quarterly and more frequently when economic conditions warrant, assessing whether there is any indication of other-than-temporary impairment (“OTTI”). Factors considered in the review include estimated future cash flows, length of time and extent to which market value has been less than cost, the financial condition and near term prospects of the issuer, and our intent and ability to retain the security to allow for an anticipated recovery in market value.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">If the review determines that there is OTTI, then an impairment loss is recognized in earnings equal to the entire difference between the investment’s cost and its fair value at the balance sheet date of the reporting period for which the assessment is made, or may recognize a portion in other comprehensive income. The fair value of investments on which OTTI is recognized then becomes the new cost basis of the investment.</p><p style="text-align:left; padding:0; margin:0"> </p>
<!--egx--><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">(3)</font></b></p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><u><font style="text-decoration:underline; font-weight:700">Investment and Mortgage-Backed Securities, Held to Maturity</font></u></b></p></td></tr></table></div><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The amortized cost, gross unrealized gains, gross unrealized losses, and fair values of investment and mortgage-backed securities held to maturity are as follows:</p><p style="text-align:left; padding:0; margin:0"> </p><table width="95%" style="text-align:left; width:95%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="43%" colspan="7" style="text-align:left; width:43%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">March 31, 2012</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Amortized Cost</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Gross </p><p style="text-align:center; padding:0; margin:0" align="center">Unrealized </p><p style="text-align:center; padding:0; margin:0" align="center">Gains</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Gross </p><p style="text-align:center; padding:0; margin:0" align="center">Unrealized </p><p style="text-align:center; padding:0; margin:0" align="center">Losses</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Fair Value</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"> </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">FHLB Securities</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">11,554,627</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">221,726</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">13,517</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">11,762,836</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">FFCB Securities</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,999,516</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">6,534</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">23,410</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,982,640</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">FNMA and FHLMC Bonds</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">6,983,004</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">19,863</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">49,147</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">6,953,720</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">SBA Bonds</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">3,251,151</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">305,430</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">3,556,581</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Mortgage-Backed Securities</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">43,732,912</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,822,180</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">45,555,092</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Equity Securities</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">155,000</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">155,000</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">67,676,210</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,375,733</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">86,074</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">69,965,869</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><table width="95%" style="text-align:left; width:95%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="43%" colspan="7" style="text-align:left; width:43%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">March 31, 2011</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Amortized Cost</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Gross </p><p style="text-align:center; padding:0; margin:0" align="center">Unrealized </p><p style="text-align:center; padding:0; margin:0" align="center">Gains</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Gross </p><p style="text-align:center; padding:0; margin:0" align="center">Unrealized </p><p style="text-align:center; padding:0; margin:0" align="center">Losses</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Fair Value</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"> </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">FHLB Securities</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">10,040,055</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">297,670</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">694</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">10,337,031</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">SBA Bonds</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">3,856,483</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">242,167</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">4,098,650</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Mortgage-Backed Securities</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">19,113,587</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">418,657</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">19,532,244</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Equity Securities</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">155,000</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">155,000</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">33,165,125</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">958,494</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">694</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">34,122,925</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">FHLB securities, FFCB securities, and FNMA and FHLMC are issued by GSEs.  Included in the tables above and below in mortgage-backed securities are GNMA mortgage-backed securities, which are also backed by the full faith and credit of the United States government.  At March 31, 2012 and 2011, the Bank held an amortized cost and fair value of $42.2 million and $43.9 million, respectively, and $16.5 million and $16.8 million, respectively, in GNMA mortgage-backed securities included in mortgage-backed securities listed above. All mortgage-backed securities above are either GSEs or GNMA mortgage-backed securities. The balance does not include any private label mortgage-backed securities.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The amortized cost and fair value of investment and mortgage-backed securities held to maturity at March 31, 2012, by contractual maturity, are shown below.  Expected maturities will differ from contractual maturities resulting from call features on certain investments.</p><p style="text-align:left; padding:0; margin:0"> </p><table width="70%" style="text-align:left; width:70%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Amortized Cost</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Fair Value</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Less Than One Year</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">One – Five Years</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">6,367,247</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">6,582,629</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Over Five – Ten Years</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">8,996,597</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">9,000,770</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">More Than Ten Years</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">8,579,454</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">8,827,378</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Mortgage-Backed Securities</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">43,732,912</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">45,555,092</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">67,676,210</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">69,965,869</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">At March 31, 2012 and 2011, the amortized cost and fair value of investment and mortgage-backed securities held to maturity pledged as collateral for certain deposit accounts, FHLB advances and other borrowings were $11.6 million and $12.1 million, respectively, and $9.4 million and $9.9 million, respectively.</p><p style="text-align:left; padding:0; margin:0"> </p><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="19%" style="text-align:left; width:19%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="60%" colspan="12" style="text-align:left; width:60%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">March 31, 2012</p></td></tr><tr style="text-align:left"><td width="19%" style="text-align:left; width:19%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="19%" colspan="3" style="text-align:left; width:19%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Less than 12 Months</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="18%" colspan="3" style="text-align:left; width:18%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">12 Months or More</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="19%" colspan="3" style="text-align:left; width:19%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Total</p></td></tr><tr style="text-align:left"><td width="19%" style="text-align:left; width:19%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Fair</p><p style="text-align:center; padding:0; margin:0" align="center">Value</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Unrealized</p><p style="text-align:center; padding:0; margin:0" align="center">Losses</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Fair</p><p style="text-align:center; padding:0; margin:0" align="center">Value</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Unrealized </p><p style="text-align:center; padding:0; margin:0" align="center">Losses</p></td><td width="2%" style="text-align:left; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Fair</p><p style="text-align:center; padding:0; margin:0" align="center">Value</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Unrealized </p><p style="text-align:center; padding:0; margin:0" align="center">Losses</p></td></tr><tr style="text-align:left"><td width="19%" style="text-align:left; background-color:#cceeff; width:19%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">FHLB Securities</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">4,532,636</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">13,517</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">4,532,636</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">13,517</p></td></tr><tr style="text-align:left"><td width="19%" style="text-align:left; width:19%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">FFCB Securities</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">    976,590</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">23,410</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">976,590</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">23,410</p></td></tr><tr style="text-align:left"><td width="19%" style="text-align:left; background-color:#cceeff; width:19%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">FNMA And FHLMC Bonds</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">4,939,150</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">49,147</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">4,939,150</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">49,147</p></td></tr><tr style="text-align:left"><td width="19%" style="text-align:left; width:19%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">10,448,376</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">86,074</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">10,448,376</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">86,074</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The Company had only one held to maturity security that was in an unrealized loss position at March 31, 2011.The fair value of this FHLB security was $1.0 million and the unrealized loss was $694. The security had been in an unrealized loss position for less than 12 months.  The Company’s held-to-maturity portfolio is recorded at amortized cost.  The Company has the ability and intends to hold these securities to maturity. There were no sales of securities held to maturity during the years ended March 31, 2012, 2011 and 2010.</p><p style="text-align:left; padding:0; margin:0"> </p>
<!--egx--><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">(4)</font></b></p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><u><font style="text-decoration:underline; font-weight:700">Loans Receivable, Net </font></u></b></p></td></tr></table></div><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Loans receivable, net, at March 31 consisted of the following:</p><table width="70%" style="text-align:left; width:70%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="29%" style="text-align:left; width:29%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2012</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2011</p></td></tr><tr style="text-align:left"><td width="29%" style="text-align:left; width:29%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="29%" style="text-align:left; background-color:#cceeff; width:29%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Residential Real Estate Loans</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">97,807,917</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">111,028,021</p></td></tr><tr style="text-align:left"><td width="29%" style="text-align:left; width:29%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">    Consumer Loans</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">58,685,000</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">64,862,668</p></td></tr><tr style="text-align:left"><td width="29%" style="text-align:left; background-color:#cceeff; width:29%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Commercial Business</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">9,552,575</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">13,529,957</p></td></tr><tr style="text-align:left"><td width="29%" style="text-align:left; width:29%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Commercial Real Estate</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">276,317,897</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">306,955,623</p></td></tr><tr style="text-align:left"><td width="29%" style="text-align:left; background-color:#cceeff; width:29%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Total Loans Held For Investment</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">442,363,389</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">496,376,269</p></td></tr><tr style="text-align:left"><td width="29%" style="text-align:left; width:29%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="29%" style="text-align:left; background-color:#cceeff; width:29%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">Loans Held For Sale</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,671,771</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">5,166,234</p></td></tr><tr style="text-align:left"><td width="29%" style="text-align:left; width:29%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Total Loans Receivable, Gross</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">445,035,160</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">501,542,503</p></td></tr><tr style="text-align:left"><td width="29%" style="text-align:left; background-color:#cceeff; width:29%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Less:</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="29%" style="text-align:left; width:29%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">        Allowance For Loan Losses</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">14,615,198</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">12,501,800</p></td></tr><tr style="text-align:left"><td width="29%" style="text-align:left; background-color:#cceeff; width:29%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Loans In Process</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,886,652</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">4,580,059</p></td></tr><tr style="text-align:left"><td width="29%" style="text-align:left; width:29%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">        Deferred Loan Fees</p></td><td width="2%" style="text-align:left; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">22,704</p></td><td width="2%" style="text-align:left; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(9,972)</p></td></tr><tr style="text-align:left"><td width="29%" style="text-align:left; background-color:#cceeff; width:29%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">16,524,554</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">17,071,887</p></td></tr><tr style="text-align:left"><td width="29%" style="text-align:left; width:29%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Total Loans Receivable, Net</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">428,510,606</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">484,470,616</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Changes in the allowance for loan losses for the years ended March 31 are summarized as follows:</p><p style="text-align:left; padding:0; margin:0"> </p><table width="80%" style="text-align:left; width:80%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2012</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2011</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2010</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Balance At Beginning Of Year</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">12,501,800</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">12,307,394</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">10,181,599</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Provision For Loan Losses</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">8,650,000</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">7,800,000</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">8,155,000</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Charge Offs</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(6,643,834)</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(8,116,667)</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(6,067,509)</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">Recoveries</p></td><td width="2%" style="text-align:left; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">107,232</p></td><td width="2%" style="text-align:left; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">511,073</p></td><td width="2%" style="text-align:left; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">38,304</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Total Allowance For Loan Losses</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">14,615,198</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">12,501,800</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">12,307,394</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The Company uses a risk based approach based on the following credit quality measures when analyzing the loan portfolio: pass, caution, special mention, and substandard. These indicators are used to rate the credit quality of loans for the purposes of determining the Company’s allowance for loan losses. Pass loans are loans that are performing and are deemed adequately protected by the net worth of the borrower or the underlying collateral value. These loans are considered the least risky in terms of determining the allowance for loan losses. Substandard loans are considered the most risky category. These loans typically have an identified weakness or weaknesses and are inadequately protected by the net worth of the borrower or collateral value. All loans 60 days or more past due are automatically classified in this category. The other two categories fall in between these two grades. The following tables list the loan grades used by the Company as credit quality indicators and the balance in each category at the dates presented, excluding loans held for sale.</p><p style="text-align:left; padding:0; margin:0"> </p><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="20%" style="text-align:left; width:20%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="66%" colspan="9" style="text-align:left; width:66%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">March 31, 2012</p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; width:20%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="66%" colspan="9" style="text-align:left; width:66%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Credit Quality Measures</p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; width:20%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Pass</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Caution</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Special </p><p style="text-align:center; padding:0; margin:0" align="center">Mention</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; width:13%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Substandard</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; width:13%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Total Loans</p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; background-color:#cceeff; width:20%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Residential Real Estate</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">88,536,685</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">573,887</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">8,697,345</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">97,807,917</p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; width:20%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Consumer</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">57,113,676</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">159,805</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">27,604</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,383,915</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">58,685,000</p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; background-color:#cceeff; width:20%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Commercial Business</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">8,608,378</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">446,815</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">497,382</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">9,552,575</p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; width:20%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Commercial Real Estate</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">190,230,745</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">21,874,264</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">19,783,230</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; width:13%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">44,429,658</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; width:13%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">276,317,897</p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; background-color:#cceeff; width:20%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Total</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">344,489,484</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">22,480,884</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">20,384,721</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">55,008,300</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">442,363,389</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:left; padding:0; margin:0"> </p><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="20%" style="text-align:left; width:20%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="66%" colspan="9" style="text-align:left; width:66%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">March 31, 2011</p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; width:20%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="66%" colspan="9" style="text-align:left; width:66%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Credit Quality Measures</p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; width:20%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Pass</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Caution</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Special </p><p style="text-align:center; padding:0; margin:0" align="center">Mention</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; width:13%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Substandard</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; width:13%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Total Loans</p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; background-color:#cceeff; width:20%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Residential Real Estate</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">104,826,411</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">433,710</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">379,036</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">5,388,864</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">111,028,021</p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; width:20%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Consumer</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">61,425,853</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">97,706</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">9,180</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">3,329,929</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">64,862,668</p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; background-color:#cceeff; width:20%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Commercial Business</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">12,059,761</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">6,285</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,463,911</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">13,529,957</p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; width:20%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Commercial Real Estate</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">230,031,130</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">10,786,846</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">30,462,062</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; width:13%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">35,675,585</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; width:13%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">306,955,623</p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; background-color:#cceeff; width:20%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Total</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">408,343,155</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">11,324,547</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">30,850,278</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">45,858,289</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">496,376,269</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The following table presents an age analysis of past due balances by category at March 31, 2012.</p><p style="text-align:left; padding:0; margin:0"> </p><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="13%" style="text-align:left; width:13%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">30-59 Days </p><p style="text-align:center; padding:0; margin:0" align="center">Past Due</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">60-89 Days </p><p style="text-align:center; padding:0; margin:0" align="center">Past Due</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">90 Days or </p><p style="text-align:center; padding:0; margin:0" align="center">More Past </p><p style="text-align:center; padding:0; margin:0" align="center">Due</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Total Past </p><p style="text-align:center; padding:0; margin:0" align="center">Due</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Current</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Total Loans </p><p style="text-align:center; padding:0; margin:0" align="center">Receivable</p></td></tr><tr style="text-align:left"><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Residential</p><p style="text-align:left; padding:0; margin:0">   Real Estate</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:left; padding:0; margin:0">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">2,778,235</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">742,345</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">3,638,929</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">7,159,509</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">90,648,408</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">97,807,917</p></td></tr><tr style="text-align:left"><td width="13%" style="text-align:left; width:13%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Consumer</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">659,028</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">352,421</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">620,358</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,631,807</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">57,053,193</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">58,685,000</p></td></tr><tr style="text-align:left"><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Commercial</p><p style="text-align:left; padding:0; margin:0">   Business</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">174,420</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">209,418</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">20,808</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">404,646</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">9,147,929</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">9,552,575</p></td></tr><tr style="text-align:left"><td width="13%" style="text-align:left; width:13%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Commercial</p><p style="text-align:left; padding:0; margin:0">   Real Estate</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">18,332,136</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">4,682,891</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">18,378,165</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">41,393,192</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">234,924,705</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">276,317,897</p></td></tr><tr style="text-align:left"><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Total</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">21,943,819</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">5,987,075</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">22,658,260</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">50,589,154</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">391,774,235</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">442,363,389</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The following table presents an age analysis of past due balances by category at March 31, 2011.</p><p style="text-align:left; padding:0; margin:0"> </p><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="13%" style="text-align:left; width:13%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">30-59 Days </p><p style="text-align:center; padding:0; margin:0" align="center">Past Due</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">60-89 Days </p><p style="text-align:center; padding:0; margin:0" align="center">Past Due</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">90 Days or </p><p style="text-align:center; padding:0; margin:0" align="center">More Past </p><p style="text-align:center; padding:0; margin:0" align="center">Due</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Total Past </p><p style="text-align:center; padding:0; margin:0" align="center">Due</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Current</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Total Loans </p><p style="text-align:center; padding:0; margin:0" align="center">Receivable</p></td></tr><tr style="text-align:left"><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Residential</p><p style="text-align:left; padding:0; margin:0">   Real Estate</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:left; padding:0; margin:0">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">1,799,800</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">1,809,881</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">3,609,681</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">107,418,340</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">111,028,021</p></td></tr><tr style="text-align:left"><td width="13%" style="text-align:left; width:13%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Consumer</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,673,973</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">196,958</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,194,171</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">4,065,102</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">60,797,566</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">64,862,668</p></td></tr><tr style="text-align:left"><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Commercial</p><p style="text-align:left; padding:0; margin:0">   Business</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">93,579</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">133,399</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">171,901</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">398,879</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">13,131,078</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">13,529,957</p></td></tr><tr style="text-align:left"><td width="13%" style="text-align:left; width:13%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Commercial</p><p style="text-align:left; padding:0; margin:0">   Real Estate</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">19,441,992</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">2,708,373</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">9,337,385</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">31,487,750</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">275,467,873</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">306,955,623</p></td></tr><tr style="text-align:left"><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Total</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">24,009,344</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">3,038,730</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">12,513,338</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">39,561,412</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">456,814,857</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">496,376,269</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">At March 31, 2012 and 2011, the Company did not have any loans that were 90 days or more past due and still accruing interest. Our strategy is to work with our borrowers to reach acceptable payment plans while protecting our interests in the existing collateral.  In the event an acceptable arrangement cannot be reached, we may have to acquire these properties through foreclosure or other means and subsequently sell, develop, or liquidate them. The following table shows non-accrual loans by category at March 31, 2012 compared to March 31, 2011.</p><p style="text-align:left; padding:0; margin:0"> </p><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="21%" colspan="3" style="text-align:left; width:21%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center">At March 31, 2012</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="19%" colspan="3" style="text-align:left; width:19%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center">At March 31, 2011</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center">%</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0 0 1pt 0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center">Amount</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center">Percent (1)</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center">Amount</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center">Percent (1)</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center">Increase (Decrease)</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center">Increase (Decrease)</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; background-color:#cceeff; width:27%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Non-accrual Loans:</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0"> </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">    Residential Real Estate</p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right"> $    3,638,929</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">0.8%</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right"> $  1,809,881</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">0.4%</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right"> $  1,829,048</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">101.1%</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; background-color:#cceeff; width:27%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">    Commercial Business</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">20,808</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; text-indent:-27pt; padding:0; margin:0" align="right">171,901</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(151,093)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right"> (87.9)</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">    Commercial Real Estate</p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">18,378,165</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">4.2</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">9,337,385</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1.9</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">9,040,780</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">96.8</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; background-color:#cceeff; width:27%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">    Consumer</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">620,358</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">0.1</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:right; text-indent:-27pt; padding:0; margin:0" align="right">1,194,171</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">0.2</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(573,813)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(48.1)</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0 0 2pt 0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Total Non-accural Loans</p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right"> $  22,658,260</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 2pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0 0 2pt 0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">5.1%</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 2pt 0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">  12,513,338</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 2pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0 0 2pt 0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2.5%</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 2pt 0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$  10,144,922</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 2pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0 0 2pt 0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">81.1%</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; background-color:#cceeff; width:27%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td></tr></table><p style="text-align:left; padding:0; margin:0">(1) PERCENT OF GROSS LOANS RECEIVABLE, NET OF DEFERRED FEES AND LOANS IN PROCESS AND LOANS HELD FOR SALE.</p><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The following tables show the activity in the allowance for loan losses by category for the periods indicated.</p><p style="text-align:left; padding:0; margin:0"> </p><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="17%" style="text-align:left; width:17%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="70%" colspan="9" style="text-align:left; width:70%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">For the Year Ended March 31, 2012</p></td></tr><tr style="text-align:left"><td width="17%" style="text-align:left; width:17%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Residential </p><p style="text-align:center; padding:0; margin:0" align="center">Real Estate</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Consumer</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Commercial </p><p style="text-align:center; padding:0; margin:0" align="center">Business</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Commercial </p><p style="text-align:center; padding:0; margin:0" align="center">Real Estate</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="14%" style="text-align:left; width:14%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Total</p></td></tr><tr style="text-align:left"><td width="17%" style="text-align:left; background-color:#cceeff; width:17%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Beginning Balance</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,702,864</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,122,055</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">924,149</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">8,752,732</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="14%" style="text-align:left; background-color:#cceeff; width:14%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">12,501,800</p></td></tr><tr style="text-align:left"><td width="17%" style="text-align:left; width:17%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Provision</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">789,365</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,570,350</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">114,169</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">6,176,116</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="14%" style="text-align:left; width:14%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">8,650,000</p></td></tr><tr style="text-align:left"><td width="17%" style="text-align:left; background-color:#cceeff; width:17%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Charge-Offs</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(563,604)</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(1,250,573)</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(408,138)</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(4,421,519)</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="14%" style="text-align:left; background-color:#cceeff; width:14%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(6,643,834)</p></td></tr><tr style="text-align:left"><td width="17%" style="text-align:left; width:17%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Recoveries</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">56,279</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">14,675</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">36,278</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="14%" style="text-align:left; width:14%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">107,232</p></td></tr><tr style="text-align:left"><td width="17%" style="text-align:left; background-color:#cceeff; width:17%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Ending Balance</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,928,625</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,498,111</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">644,855</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">10,543,607</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="14%" style="text-align:left; background-color:#cceeff; width:14%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">14,615,198</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="17%" style="text-align:left; width:17%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="70%" colspan="9" style="text-align:left; width:70%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">For the Year Ended March 31, 2011</p></td></tr><tr style="text-align:left"><td width="17%" style="text-align:left; width:17%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Residential </p><p style="text-align:center; padding:0; margin:0" align="center">Real Estate</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Consumer</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Commercial </p><p style="text-align:center; padding:0; margin:0" align="center">Business</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Commercial</p><p style="text-align:center; padding:0; margin:0" align="center">Real Estate</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="14%" style="text-align:left; width:14%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Total</p></td></tr><tr style="text-align:left"><td width="17%" style="text-align:left; background-color:#cceeff; width:17%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Beginning Balance</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,944,257</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">988,634</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">678,728</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">8,695,775</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="14%" style="text-align:left; background-color:#cceeff; width:14%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">12,307,394</p></td></tr><tr style="text-align:left"><td width="17%" style="text-align:left; width:17%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Provision</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">644,032</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">649,542</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">539,264</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">5,967,162</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="14%" style="text-align:left; width:14%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">7,800,000</p></td></tr><tr style="text-align:left"><td width="17%" style="text-align:left; background-color:#cceeff; width:17%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Charge-Offs</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(1,009,937)</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(584,600)</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(320,960)</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(6,201,170)</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="14%" style="text-align:left; background-color:#cceeff; width:14%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(8,116,667)</p></td></tr><tr style="text-align:left"><td width="17%" style="text-align:left; width:17%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Recoveries</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">124,512</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">68,479</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">27,117</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">290,965</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="14%" style="text-align:left; width:14%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">511,073</p></td></tr><tr style="text-align:left"><td width="17%" style="text-align:left; background-color:#cceeff; width:17%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Ending Balance</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,702,864</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,122,055</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">924,149</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">8,752,732</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="14%" style="text-align:left; background-color:#cceeff; width:14%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">12,501,800</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The following tables present information related to impaired loans evaluated individually for impairment and collectively evaluated for impairment in the allowance for loan losses.</p><p style="text-align:left; padding:0; margin:0"> </p><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="38%" colspan="5" style="text-align:left; width:38%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Allowance For Loan Losses</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:left; padding:0; margin:0">March 31, 2012</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Individually Evaluated For </p><p style="text-align:center; padding:0; margin:0" align="center">Impairment</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Collectively Evaluated For </p><p style="text-align:center; padding:0; margin:0" align="center">Impairment</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"> </p><p style="text-align:center; padding:0; margin:0" align="center">Total</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Residential Real Estate</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">155,000</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,773,625</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,928,625</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Consumer</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">19,568</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,478,543</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,498,111</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Commercial Business</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">148,610</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">496,245</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">644,855</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Commercial Real Estate</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,313,670</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">9,229,937</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">10,543,607</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Total</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,636,848</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">12,978,350</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">14,615,198</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="38%" colspan="5" style="text-align:left; width:38%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Allowance For Loan Losses</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:left; padding:0; margin:0">March 31, 2011</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Individually Evaluated For </p><p style="text-align:center; padding:0; margin:0" align="center">Impairment</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Collectively Evaluated For </p><p style="text-align:center; padding:0; margin:0" align="center">Impairment</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"> </p><p style="text-align:center; padding:0; margin:0" align="center">Total</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Residential Real Estate</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,702,864</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,702,864</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Consumer</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">41,100</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,080,955</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,122,055</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Commercial Business</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">240,648</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">683,501</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">924,149</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Commercial Real Estate</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">490,728</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">8,262,004</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">8,752,732</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Total</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">772,476</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">11,729,324</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">12,501,800</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The following tables present information related to impaired loans evaluated individually for impairment and collectively evaluated for impairment in loans receivable for the periods indicated.</p><p style="text-align:left; padding:0; margin:0"> </p><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="38%" colspan="5" style="text-align:left; width:38%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Loans Receivable</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:left; padding:0; margin:0">March 31, 2012</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Individually Evaluated For </p><p style="text-align:center; padding:0; margin:0" align="center">Impairment</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Collectively Evaluated For </p><p style="text-align:center; padding:0; margin:0" align="center">Impairment</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"> </p><p style="text-align:center; padding:0; margin:0" align="center">Total</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Residential Real Estate</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">3,544,061</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">94,263,856</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">97,807,917</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Consumer</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,849,046</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">56,835,954</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">58,685,000</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Commercial Business</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">172,362</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">9,380,213</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">9,552,575</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Commercial Real Estate</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">35,231,717</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">241,086,180</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">276,317,897</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Total</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">40,797,186</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">401,566,203</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">442,363,389</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="38%" colspan="5" style="text-align:left; width:38%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Loans Receivable</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:left; padding:0; margin:0">March 31, 2011</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Individually Evaluated For </p><p style="text-align:center; padding:0; margin:0" align="center">Impairment</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Collectively Evaluated For </p><p style="text-align:center; padding:0; margin:0" align="center">Impairment</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"> </p><p style="text-align:center; padding:0; margin:0" align="center">Total</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Residential Real Estate</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,278,966</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">108,749,055</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">111,028,021</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Consumer</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,436,829</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">63,425,839</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">64,862,668</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Commercial Business</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">770,011</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">12,759,946</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">13,529,957</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Commercial Real Estate</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">28,811,862</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">278,143,761</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">306,955,623</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Total</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">33,297,668</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">463,078,601</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">496,376,269</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement are considered impaired. Once a loan is identified as individually impaired management measures impairment and records the loan at fair value. Fair value is estimated using one of the following methods: fair value of the collateral less estimated costs to sale, discounted cash flows, or market value of the loan based on similar debt. The fair value of the collateral less estimated costs to sell is the most frequently used method. Typically, the Company reviews the most recent appraisal and if it is over 24 months old will request a new third party appraisal. Depending on the particular circumstances surrounding the loan, including the location of the collateral, the date of the most recent appraisal and the value of the collateral relative to the recorded investment in the loan, management may order an independent appraisal immediately or, in some instances, may elect to perform an internal analysis.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The average balance of impaired loans was $34.3 million for year ended March 31, 2012 compared to $37.2 million in the prior year. The following tables are a summary of information related to impaired loans as of March 31, 2012 and 2011.</p><p style="text-align:left; padding:0; margin:0"> </p><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="23%" style="text-align:left; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="60%" colspan="9" style="text-align:left; width:60%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center">March 31, 2012</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; width:23%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">Impaired Loans</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center">Recorded </p><p style="text-align:center; padding:0; margin:0" align="center">Investment</p></td><td width="2%" style="text-align:left; width:2%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center">Unpaid </p><p style="text-align:center; padding:0; margin:0" align="center">Principal </p><p style="text-align:center; padding:0; margin:0" align="center">Balance</p></td><td width="2%" style="text-align:left; width:2%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Related</p><p style="text-align:center; padding:0; margin:0" align="center">Allowance</p></td><td width="2%" style="text-align:left; width:2%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Average </p><p style="text-align:center; padding:0; margin:0" align="center">Recorded </p><p style="text-align:center; padding:0; margin:0" align="center">Investment</p></td><td width="2%" style="text-align:left; width:2%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center">Interest </p><p style="text-align:center; padding:0; margin:0" align="center">Income </p><p style="text-align:center; padding:0; margin:0" align="center">Recognized</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; background-color:#cceeff; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">With No Related Allowance</p><p style="text-align:left; padding:0; margin:0">   Recorded:</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Residential Real Estate</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">   2,201,560</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">   2,456,960</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">              -</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,066,066</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">65,818</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; background-color:#cceeff; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Consumer Loans</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,829,478</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,879,478</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">              -</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,398,298</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">86,180</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Commercial Business</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">      23,752</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">      47,752</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">              -</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">294,894</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,677</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; background-color:#cceeff; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Commercial Real Estate</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">27,425,873</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">29,175,328</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">              -</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">24,020,047</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,186,679</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right"> </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; background-color:#cceeff; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">With An Allowance Recorded:</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Residential Real Estate</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,342,501</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,954,501</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">155,000</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">586,109</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">6,137</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; background-color:#cceeff; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Consumer Loans</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">19,568</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">      60,668</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">     19,568</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">28,181</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Commercial Business</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">     148,610</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">148,610</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">     148,610</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">207,135</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">5,608</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; background-color:#cceeff; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Commercial Real Estate</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">   7,805,844</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">9,945,912</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">  1,313,670</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">4,687,210</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">228,483</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; background-color:#cceeff; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Total</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Residential Real Estate</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">   3,544,061</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">   4,411,461</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">155,000</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,652,175</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">71,955</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; background-color:#cceeff; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Consumer Loans</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,849,046</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">   1,940,146</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">19,568</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,426,479</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">86,180</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Commercial Business</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">      172,362</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">      196,362</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">148,610</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">502,029</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">7,285</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; background-color:#cceeff; width:23%; padding:0 0 1pt 0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Commercial Real Estate</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0 0 1pt 0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right"> 35,231,717</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right"> 39,121,240</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,313,670</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">28,707,257</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,415,162</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">   Total</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">40,797,186</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">45,669,209</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,636,848</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">34,287,940</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,580,582</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:left; padding:0; margin:0"> </p><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="23%" style="text-align:left; width:23%; padding:0" valign="bottom"></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="60%" colspan="9" style="text-align:left; width:60%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center">March 31, 2011</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; width:23%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">Impaired Loans</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center">Recorded </p><p style="text-align:center; padding:0; margin:0" align="center">Investment</p></td><td width="2%" style="text-align:left; width:2%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center">Unpaid </p><p style="text-align:center; padding:0; margin:0" align="center">Principal </p><p style="text-align:center; padding:0; margin:0" align="center">Balance</p></td><td width="2%" style="text-align:left; width:2%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Related</p><p style="text-align:center; padding:0; margin:0" align="center">Allowance</p></td><td width="2%" style="text-align:left; width:2%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Average </p><p style="text-align:center; padding:0; margin:0" align="center">Recorded </p><p style="text-align:center; padding:0; margin:0" align="center">Investment</p></td><td width="2%" style="text-align:left; width:2%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center">Interest </p><p style="text-align:center; padding:0; margin:0" align="center">Income </p><p style="text-align:center; padding:0; margin:0" align="center">Recognized</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; background-color:#cceeff; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">With No Related Allowance</p><p style="text-align:left; padding:0; margin:0">   Recorded:</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Residential Real Estate</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">   2,278,966</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">   2,683,966</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">              -</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,458,882</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">51,267</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; background-color:#cceeff; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Consumer Loans</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,376,161</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,583,160</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">              -</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">729,889</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">56,764</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Commercial Business</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">      499,481</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">      499,481</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">              -</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">327,785</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">14,790</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; background-color:#cceeff; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Commercial Real Estate</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right"> 26,387,167</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right"> 27,948,568</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">              -</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">30,244,873</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,361,177</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right"> </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; background-color:#cceeff; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">With An Allowance Recorded:</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Residential Real Estate</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">              -</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">              -</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">              -</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">41,879</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; background-color:#cceeff; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Consumer Loans</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">      60,668</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">      60,668</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">     41,100</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">124,089</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Commercial Business</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">      270,530</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">      270,530</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">     240,648</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">207,073</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">4,833</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; background-color:#cceeff; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Commercial Real Estate</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">   2,424,695</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">   2,614,695</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">     490,728</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">4,018,967</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">44,337</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; background-color:#cceeff; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Total</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Residential Real Estate</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">   2,278,966</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">   2,683,966</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">              -</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,500,761</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">51,267</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; background-color:#cceeff; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Consumer Loans</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">   1,436,829</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">   1,643,828</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">     41,100</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">853,978</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">56,764</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Commercial Business</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">      770,011</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">      770,011</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">     240,648</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">534,858</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">19,623</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; background-color:#cceeff; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Commercial Real Estate</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right"> 28,811,862</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right"> 30,563,263</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">     490,728</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">34,263,840</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,405,514</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; width:23%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">   Total</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">33,297,668</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">35,661,068</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">772,476</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">37,153,437</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,533,168</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">A TDR is a restructuring in which the Bank, for economic or legal reasons related to a borrower’s financial difficulties, grant a concession to a borrower that it would not otherwise consider.  The Bank grants such concessions to reassess the borrower’s financial status and develop a plan for repayment.  TDRs included in impaired loans at March 31, 2012 and 2011 amounted to $18.0 million and $12.2 milion, respectively.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">As a result of adopting the amendments in ASU 2011-02, management reassessed all restructurings that occurred on or after the beginning of the fiscal year of adoption (April 1, 2011) to determine whether they are considered TDRs under the amended guidance.  Management identified as TDRs certain loans for which the allowance for loan losses had previously been measured under a general allowance methodology. Upon identifying those loans as TDRs, management identified them as impaired under the guidance in ASC 310-10-35. The amendments in ASU 2011-02 require prospective application of the impairment measurement guidance in ASC 310-10-35 for those loans newly identified as impaired. At the end of the first interim period of adoption (September 30, 2011), the recorded investment in loans for which the allowance was previously measured under a general allowance methodology and are now impaired under ASC 310-10-35 was $11.8 million, and the allowance for loan losses associated with those loans, on the basis of a current evaluation of loss was $215,000.</p><p style="text-align:left; padding:0; margin:0"> </p><table width="70%" style="text-align:left; width:70%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="18%" style="text-align:left; width:18%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="38%" colspan="5" style="text-align:left; width:38%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">For the Year Ended</p><p style="text-align:center; padding:0; margin:0" align="center">March 31, 2012</p></td></tr><tr style="text-align:left"><td width="18%" style="text-align:left; width:18%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Troubled Debt</p><p style="text-align:center; padding:0; margin:0" align="center">Restructurings</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Number of </p><p style="text-align:center; padding:0; margin:0" align="center">Contracts</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Pre-</p><p style="text-align:center; padding:0; margin:0" align="center">Modification </p><p style="text-align:center; padding:0; margin:0" align="center">Outstanding </p><p style="text-align:center; padding:0; margin:0" align="center">Recorded </p><p style="text-align:center; padding:0; margin:0" align="center">Investment</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Post- </p><p style="text-align:center; padding:0; margin:0" align="center">Modification </p><p style="text-align:center; padding:0; margin:0" align="center">Outstanding </p><p style="text-align:center; padding:0; margin:0" align="center">Recorded </p><p style="text-align:center; padding:0; margin:0" align="center">Investment</p></td></tr><tr style="text-align:left"><td width="18%" style="text-align:left; background-color:#cceeff; width:18%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Residential Real Estate</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td></tr><tr style="text-align:left"><td width="18%" style="text-align:left; width:18%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Consumer Loans</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">15,358</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">15,358</p></td></tr><tr style="text-align:left"><td width="18%" style="text-align:left; background-color:#cceeff; width:18%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Commercial Business</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td></tr><tr style="text-align:left"><td width="18%" style="text-align:left; width:18%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Commercial Real Estate</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">14</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">11,988,576</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">11,988,576</p></td></tr><tr style="text-align:left"><td width="18%" style="text-align:left; background-color:#cceeff; width:18%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Total</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">15</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">12,003,934</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">12,003,934</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">During the year ended March 31, 2012, the Bank modified 15 loans that were considered to be TDRs. The modification for these loans consisted of lowering the interest rate.</p><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">During the year ended March 31, 2012, six loans that had been previously restructured were in default. However, there were no loans restructured during the previous twelve months that subsequently defaulted during the year ended March 31, 2012. The Bank considers any loan 30 days or more past due to be in default.</p><p style="text-align:left; padding:0; margin:0"> </p>
<!--egx--><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">(5)</font></b></p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><u><font style="text-decoration:underline; font-weight:700">Premises and Equipment, Net </font></u></b></p></td></tr></table></div><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Premises and equipment, net, at March 31 are summarized as follows:</p><p style="text-align:left; padding:0; margin:0"> </p><table width="70%" style="text-align:left; width:70%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="28%" style="text-align:left; width:28%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2012</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2011</p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; width:28%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; background-color:#cceeff; width:28%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Land</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$     </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">5,471,503</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">5,471,503</p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; width:28%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Buildings And Improvements</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">17,570,577</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">17,592,015</p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; background-color:#cceeff; width:28%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Furniture And Equipment</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">11,180,104</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">10,756,795</p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; width:28%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Construction In Progress</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">83,749</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">97,463</p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; background-color:#cceeff; width:28%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">34,305,933</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">33,917,776</p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; width:28%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Less Accumulated Depreciation</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(15,579,634)</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(14,117,160)</p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; background-color:#cceeff; width:28%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; width:28%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Total Premises And Equipment, Net</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$     </p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">18,726,299</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">19,800,616</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Depreciation expense for the years ended March 31, 2012, 2011, and 2010 was $1.5 million, $1.5 million, and $1.6 million, respectively. The Bank has entered into non-cancelable operating leases related to buildings and land.  At March 31, 2012, future minimum payments under non-cancelable operating leases with initial or remaining terms of one year or more are as follows (by fiscal year):</p><p style="text-align:left; padding:0; margin:0"> </p><table width="70%" style="text-align:left; width:70%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="28%" style="text-align:left; background-color:#cceeff; width:28%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">2013</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">406,798</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; width:28%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">    2014</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">413,811</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; background-color:#cceeff; width:28%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">    2015</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">413,811</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; width:28%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">    2016</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">326,835</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; background-color:#cceeff; width:28%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">    2017</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">242,288</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; width:28%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">    Thereafter</p></td><td width="2%" style="text-align:left; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,322,167</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; background-color:#cceeff; width:28%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">3,125,710</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Total rental expense amounted to $401,000, $434,000, and $434,000 for the years ended March 31, 2012, 2011 and 2010, respectively.  Four lease agreements with monthly expenses of $6,179, $800, $7,792, and $9,075 have multiple renewal options totaling 30, 10, 40, and 10 years, respectively.</p><p style="text-align:left; padding:0; margin:0"> </p>
<!--egx--><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">(6)</font></b></p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><u><font style="text-decoration:underline; font-weight:700">Intangible Assets and Goodwill </font></u></b></p></td></tr></table></div><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Intangible assets and goodwill are the result of the Collier Jennings acquisition in July 2006.  Changes in intangible assets and goodwill for the years ended March 31 consisted of the following:</p><p style="text-align:left; padding:0; margin:0"> </p><table width="70%" style="text-align:left; width:70%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2012</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2011</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Customer List</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; text-indent:0.25in; padding:0; margin:0">Balance At Beginning Of Year</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">149,481</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">178,246</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; text-indent:0.25in; padding:0; margin:0">Amortization</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">50,004</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">28,765</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; text-indent:0.25in; padding:0; margin:0">Balance At End Of Year</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">99,477</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">149,481</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Employment Contracts</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; text-indent:0.25in; padding:0; margin:0">Balance At Beginning Of Year</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">10,019</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">71,254</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; text-indent:0.25in; padding:0; margin:0">Amortization</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">10,019</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">61,235</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; text-indent:0.25in; padding:0; margin:0">Balance At End Of Year</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">10,019</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Total Intangibles</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">99,477</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">159,500</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; width:24%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">Goodwill</p></td><td width="2%" style="text-align:left; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,199,754</p></td><td width="2%" style="text-align:left; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,199,754</p></td></tr><tr style="text-align:left"><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; text-indent:27pt; padding:0; margin:0">Total</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,299,231</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,359,254</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">In accordance with accounting guidance, the Company evaluates its goodwill on an annual basis. The evaluations were performed as of September 30, 2011 and September 30, 2010 for fiscal years ended March 31, 2012 and March 31, 2011, respectively. At the time of the evaluations the Company determined that no impairment existed. Therefore, there was no amortization of goodwill for the years ended March 31, 2012 and 2011. Amortization of the intangibles is scheduled to be as follows for each fiscal year as indicated:</p><p style="text-align:left; padding:0; margin:0"> </p><table width="70%" style="text-align:left; width:70%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="28%" style="text-align:left; background-color:#cceeff; width:28%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">2013</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">50,000</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; width:28%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">    2014</p></td><td width="2%" style="text-align:left; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">49,477</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; background-color:#cceeff; width:28%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">99,477</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p>
<!--egx--><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">(7)</font></b></p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><u><font style="text-decoration:underline; font-weight:700">FHLB Stock </font></u></b></p></td></tr></table></div><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The Bank, as a member of the FHLB of Atlanta, is required to acquire and hold shares of capital stock in the FHLB of Atlanta in an amount equal to a membership component, which is 0.15% of total assets at December 31, 2011 and 2010 plus a transaction component which equals 4.5% of outstanding advances (borrowings) from the FHLB of Atlanta.  The Bank is in compliance with this requirement with an investment in FHLB of Atlanta stock of $8.5 million and $11.3 million as of March 31, 2012 and 2011, respectively. No readily available market exists for this stock and it has no quoted fair value.  However, because redemption of this stock has historically been at par, it is carried at cost.</p><p style="text-align:left; padding:0; margin:0"> </p>
<!--egx--><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">(8)</font></b></p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><u><font style="text-decoration:underline; font-weight:700">Repossessed Assets Acquired In Settlement Of Loans </font></u></b></p></td></tr></table></div><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The Bank owned $14.2 million and $14.4 million in repossessed assets acquired in settlement of loans at March 31, 2012 and 2011, respectively. Transactions in repossessed assets for the years ended March 31, 2012, 2011 and 2010 are summarized below:</p><p style="text-align:left; padding:0; margin:0"> </p><table width="80%" style="text-align:left; width:80%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="18%" style="text-align:left; width:18%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="33%" colspan="6" style="text-align:left; width:33%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">March 31,</p></td></tr><tr style="text-align:left"><td width="18%" style="text-align:left; width:18%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2012</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2011</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2010</p></td></tr><tr style="text-align:left"><td width="18%" style="text-align:left; background-color:#cceeff; width:18%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Balance, Beginning Of Year</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">14,433,853</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">10,773,050</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,985,172</p></td></tr><tr style="text-align:left"><td width="18%" style="text-align:left; width:18%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Additions</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">4,276,679</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">15,581,977</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">10,573,654</p></td></tr><tr style="text-align:left"><td width="18%" style="text-align:left; background-color:#cceeff; width:18%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Capital Improvements</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">36,877</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">549,458</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td></tr><tr style="text-align:left"><td width="18%" style="text-align:left; width:18%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Sales</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(3,978,390)</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(11,061,070)</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(1,281,196)</p></td></tr><tr style="text-align:left"><td width="18%" style="text-align:left; background-color:#cceeff; width:18%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Write Downs</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(608,920)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(1,409,562)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(504,580)</p></td></tr><tr style="text-align:left"><td width="18%" style="text-align:left; width:18%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Balance, End Of Year</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">14,160,099</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">14,433,853</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">10,773,050</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p>
<!--egx--><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">(9)</font></b></p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><u><font style="text-decoration:underline; font-weight:700">Deposits<font style="text-decoration:underline; font-weight:700">  </font></font></u></b></p></td></tr></table></div><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Deposits outstanding by type of account are summarized as follows:</p><p style="text-align:left; padding:0; margin:0"> </p><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="16%" style="text-align:left; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="31%" colspan="5" style="text-align:left; width:31%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">At March 31, 2012</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="31%" colspan="5" style="text-align:left; width:31%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">At March 31, 2011</p></td></tr><tr style="text-align:left"><td width="16%" style="text-align:left; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center">Amount</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Weighted </p><p style="text-align:center; padding:0; margin:0" align="center">Rate</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Interest Rate </p><p style="text-align:center; padding:0; margin:0" align="center">Range</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Amount</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Weighted </p><p style="text-align:center; padding:0; margin:0" align="center">Rate</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Interest Rate </p><p style="text-align:center; padding:0; margin:0" align="center">Range</p></td></tr><tr style="text-align:left"><td width="16%" style="text-align:left; background-color:#cceeff; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Checking Accounts</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">124,750,127</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">0.11%</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">0.00-0.30%</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">117,077,343</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">0.09%</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">0.00-0.60%</p></td></tr><tr style="text-align:left"><td width="16%" style="text-align:left; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Money Market Accounts</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">224,195,659</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">0.55%</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">0.25-0.60%</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">194,560,099</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">0.85%</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">0.30-0.90%</p></td></tr><tr style="text-align:left"><td width="16%" style="text-align:left; background-color:#cceeff; width:16%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">Statement Savings</p><p style="text-align:left; padding:0; margin:0">Accounts</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">22,348,787</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">0.20%</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">0.00-0.25%</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">20,582,505</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">0.24%</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">0.00-0.30%</p></td></tr><tr style="text-align:left"><td width="16%" style="text-align:left; width:16%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Total</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">371,294,573</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">0.38%</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">0.00-0.60%</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">332,219,947</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">0.54%</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">0.00-0.60%</p></td></tr><tr style="text-align:left"><td width="16%" style="text-align:left; background-color:#cceeff; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="16%" style="text-align:left; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Certificate Accounts:</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="16%" style="text-align:left; background-color:#cceeff; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">0.00 – 1.99%</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">267,556,217</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">239,078,153</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="16%" style="text-align:left; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">2.00 – 2.99%</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">49,260,643</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">107,386,573</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="16%" style="text-align:left; background-color:#cceeff; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">3.00 – 3.99%</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,936,931</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">3,307,422</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="16%" style="text-align:left; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">4.00 – 4.99%</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">4,021,999</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">5,272,507</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="16%" style="text-align:left; background-color:#cceeff; width:16%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">5.00 – 5.99%</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,130,693</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">3,092,512</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="16%" style="text-align:left; width:16%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Total</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">324,906,483</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1.36%</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">0.20-5.50%</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">358,137,167</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1.71%</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">0.15-5.50%</p></td></tr><tr style="text-align:left"><td width="16%" style="text-align:left; background-color:#cceeff; width:16%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Total Deposits</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">696,201,056</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">0.84%</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">0.00-5.50%</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">690,357,114</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1.15%</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">0.00-5.50%</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Included in the certificate accounts above at March 31, 2012 and 2011 were $34.4 million and $39.7 million, respectively, in brokered deposits with a weighted average interest rate of 1.71% and 2.18%, respectively. Of the brokered deposits at March 31, 2012, $12.5 million mature within one year.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The aggregate amount of certificates of deposit with a minimum denomination of $100,000 was $156.0 million and $172.2 million at March 31, 2012 and 2011, respectively.</p><p style="text-align:justify; padding:0; margin:0">The amounts and scheduled maturities of all certificates of deposit at March 31 are as follows:</p><p style="text-align:left; padding:0; margin:0"> </p><table width="70%" style="text-align:left; width:70%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="28%" style="text-align:left; width:28%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="22%" colspan="3" style="text-align:left; width:22%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">March 31,</p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; width:28%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2012</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2011</p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; width:28%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; background-color:#cceeff; width:28%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Within 1 Year</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">215,738,167</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">243,178,999</p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; width:28%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">After 1 Year, Within 2 Years</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">53,231,294</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">70,524,910</p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; background-color:#cceeff; width:28%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">After 2 Years, Within 3 Years</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">14,494,174</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">10,601,023</p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; width:28%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">After 3 Years, Within 4 Years</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">24,155,416</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">15,014,756</p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; background-color:#cceeff; width:28%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">After 4 Years, Within 5 Years</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">17,287,432</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">18,817,479</p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; width:28%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">Thereafter</p></td><td width="2%" style="text-align:left; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; background-color:#cceeff; width:28%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">324,906,483</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">358,137,167</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">At March 31, 2012 and 2011, the Bank has $67,000 and $34,000, respectively, in overdrafts that were reclassified to loans.</p><p style="text-align:left; padding:0; margin:0"> </p>
<!--egx--><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">(10)</font></b></p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><u><font style="text-decoration:underline; font-weight:700">Advances From Federal Home Loan Bank (FHLB) And Other Borrowings </font></u></b></p></td></tr></table></div><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Advances from the FHLB at March 31 are summarized by year of maturity and weighted average interest rate below:</p><p style="text-align:left; padding:0; margin:0"> </p><table width="80%" style="text-align:left; width:80%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="18%" style="text-align:left; width:18%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="21%" colspan="3" style="text-align:left; width:21%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2012</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="21%" colspan="3" style="text-align:left; width:21%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2011</p></td></tr><tr style="text-align:left"><td width="18%" style="text-align:left; width:18%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Year Ending March 31</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Amount</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Weighted Rate</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Amount</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Weighted Rate</p></td></tr><tr style="text-align:left"><td width="18%" style="text-align:left; background-color:#cceeff; width:18%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">2012</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-%</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">24,950,000</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2.22%</p></td></tr><tr style="text-align:left"><td width="18%" style="text-align:left; width:18%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">2013</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">18,900,000</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2.70%</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">10,000,000</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">4.76%</p></td></tr><tr style="text-align:left"><td width="18%" style="text-align:left; background-color:#cceeff; width:18%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">2014</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">30,000,000</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">3.45%</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">30,000,000</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">3.45%</p></td></tr><tr style="text-align:left"><td width="18%" style="text-align:left; width:18%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">2015</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">20,269,802</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">3.01%</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">20,286,338</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">3.01%</p></td></tr><tr style="text-align:left"><td width="18%" style="text-align:left; background-color:#cceeff; width:18%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">2016</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">20,000,000</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">4.12%</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">20,000,000</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">4.12%</p></td></tr><tr style="text-align:left"><td width="18%" style="text-align:left; width:18%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">2017</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">15,000,000</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">4.66%</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">15,000,000</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">4.66%</p></td></tr><tr style="text-align:left"><td width="18%" style="text-align:left; background-color:#cceeff; width:18%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">Thereafter</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">17,900,000</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">4.10%</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">17,900,000</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">4.10%</p></td></tr><tr style="text-align:left"><td width="18%" style="text-align:left; width:18%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">122,069,802</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">3.62%</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">138,136,338</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">3.57%</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">These advances are secured by a blanket collateral agreement with the FHLB by pledging the Bank’s portfolio of residential first mortgage loans and investment securities with an amortized cost and fair value of $152.8 million and $162.1 million, respectively, at March 31, 2012 and $168.2 million and $172.9 million, respectively, at March 31, 2011. Advances are subject to prepayment penalties.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The following tables show callable FHLB advances as of the dates indicated.  These advances are also included in the above table.  All callable advances are callable at the option of the FHLB.  If an advance is called, the Bank has the option to pay off the advance without penalty, re-borrow funds on different terms, or convert the advance to a three-month floating rate advance tied to LIBOR.</p><p style="text-align:left; padding:0; margin:0"> </p><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="79%" colspan="11" style="text-align:left; width:79%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">As of March 31, 2012</p></td></tr><tr style="text-align:left"><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0">Borrow Date</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0">Maturity Date</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0">Amount</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0">Int. Rate</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0">Type</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="24%" style="text-align:left; width:24%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0">Call Dates</p></td></tr><tr style="text-align:left"><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">11/23/05</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">11/23/15</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  5,000,000</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">3.933%</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Multi-Call</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">05/23/08 and quarterly thereafter</p></td></tr><tr style="text-align:left"><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">07/11/06</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">07/11/16</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  5,000,000</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">4.800%</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Multi-Call</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">07/11/08 and quarterly thereafter</p></td></tr><tr style="text-align:left"><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">11/29/06</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">11/29/16</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  5,000,000</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">4.025%</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Multi-Call</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">05/29/08 and quarterly thereafter</p></td></tr><tr style="text-align:left"><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">05/24/07</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">05/24/17</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  7,900,000</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">4.375%</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Multi-Call</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">05/27/08 and quarterly thereafter</p></td></tr><tr style="text-align:left"><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">07/25/07</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">07/25/17</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  5,000,000</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">4.396%</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Multi-Call</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">07/25/08 and quarterly thereafter</p></td></tr><tr style="text-align:left"><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">08/28/08</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">08/28/13</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  5,000,000</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">3.113%</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Multi-Call</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">08/30/10 and quarterly thereafter</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="79%" colspan="11" style="text-align:left; width:79%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">As of March 31, 2011</p></td></tr><tr style="text-align:left"><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0">Borrow Date</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0">Maturity Date</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0">Amount</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0">Int. Rate</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0">Type</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="24%" style="text-align:left; width:24%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0">Call Dates</p></td></tr><tr style="text-align:left"><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">11/23/05</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">11/23/15</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  5,000,000</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">3.933%</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Multi-Call</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">05/23/08 and quarterly thereafter</p></td></tr><tr style="text-align:left"><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">07/11/06</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">07/11/16</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  5,000,000</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">4.800%</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Multi-Call</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">07/11/08 and quarterly thereafter</p></td></tr><tr style="text-align:left"><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">11/29/06</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">11/29/16</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  5,000,000</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">4.025%</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Multi-Call</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">05/29/08 and quarterly thereafter</p></td></tr><tr style="text-align:left"><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">03/09/07</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">03/09/12</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  4,700,000</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">4.286%</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Multi-Call</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">06/09/10 and quarterly thereafter</p></td></tr><tr style="text-align:left"><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">05/24/07</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">05/24/17</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  7,900,000</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">4.375%</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Multi-Call</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">05/27/08 and quarterly thereafter</p></td></tr><tr style="text-align:left"><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">07/25/07</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">07/25/17</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  5,000,000</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">4.396%</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Multi-Call</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">07/25/08 and quarterly thereafter</p></td></tr><tr style="text-align:left"><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">11/16/07</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">11/16/11</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  5,000,000</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">3.745%</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Multi-Call</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="24%" style="text-align:left; background-color:#cceeff; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">11/17/08 and quarterly thereafter</p></td></tr><tr style="text-align:left"><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">08/28/08</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">08/28/13</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  5,000,000</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">3.113%</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Multi-Call</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="24%" style="text-align:left; width:24%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">08/30/10 and quarterly thereafter</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">At March 31, 2012 and 2011, the Bank had $152.8 million and $140.9 million in additional borrowing capacity, respectively, at the FHLB.</p><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The Bank had $9.8 million and $11.2 million in other borrowings at March 31, 2012 and 2011, respectively.  These borrowings consist of short-term repurchase agreements with certain commercial demand deposit customers for sweep accounts. The repurchase agreements typically mature within one to three days and the interest rate paid on these borrowings floats monthly with money market type rates. At March 31, 2012 and 2011, the interest rate paid on the repurchase agreements was 0.25% and 0.40%, respectively. The maximum amount outstanding at any one month end during the year ended March 31, 2012 was $11.7 million compared to $12.3 million in 2011. The Bank had pledged as collateral for these repurchase agreements investment and mortgage-backed securities with amortized costs and fair values of $17.8 million and $19.0 million, respectively, at March 31, 2012 and $22.7 million and $23.7 million, respectively, at March 31, 2011.</p><p style="text-align:left; padding:0; margin:0"> </p>
<!--egx--><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">(11)</font></b></p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><u><font style="text-decoration:underline; font-weight:700">Junior Subordinated Debentures </font></u></b></p></td></tr></table></div><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">On September 21, 2006, Security Federal Statutory Trust (the “Trust”), a wholly-owned subsidiary of the Company, issued and sold fixed and floating rate capital securities of the Trust (the “Capital Securities”), which are reported on the consolidated balance sheet as junior subordinated debentures, generating proceeds of $5.2 million. The Trust loaned these proceeds to the Company to use for general corporate purposes, primarily to provide capital to the Bank.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The Capital Securities accrue and pay distributions annually at a rate per annum equal to 2.174% at March 31, 2012.  Prior to September 2011, one-half of the Capital Securities issued in the transaction had a fixed rate of 6.88% and the remaining half had a floating rate of three-month LIBOR plus 170 basis points. After September 2011, the rate is a floating rate of three month LIBOR plus 170 basis points as the fixed rate portion was converted to the floating rate. The distribution rate payable on the Capital Securities is cumulative and payable quarterly in arrears.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The Company has the right, subject to events of default, to defer payments of interest on the Capital Securities for a period not to exceed 20 consecutive quarterly periods, provided that no extension period may extend beyond the maturity date of December 15, 2036. The Company has no current intention to exercise its right to defer payments of interest on the Capital Securities.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The Capital Securities mature or are mandatorily redeemable upon maturity on December 15, 2036, and or upon earlier optional redemption as provided in the indenture. The Company has the right to redeem the Capital Securities in whole or in part, on or after September 15, 2011.</p><p style="text-align:left; padding:0; margin:0"> </p>
<!--egx--><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">(12)</font></b></p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><u><font style="text-decoration:underline; font-weight:700">Mandatorily Redeemable Financial Instrument </font></u></b></p></td></tr></table></div><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">On June 30, 2006, the Company recorded a $1.4 million mandatorily redeemable financial instrument as a result of the acquisition of the Collier-Jennings Companies. The shareholder of Collier-Jennings Companies received cash and was issued stock in the Company to settle the acquisition.  The shares were released to the shareholder of Collier-Jennings Companies over a three-year period.  The stock had a mandatorily redeemable rate at the option of the shareholder of Collier-Jennings Companies in cumulative increments of 20% per year for a five-year period at the greater of $26 per share or one and one-half times the book value per common share of the Company’s stock.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The mandatorily redeemable financial instrument was carried at fair value based on the Company’s book value per common share. The Company recorded a valuation gain of $50,000 during the year ended March 31, 2012 compared to $196,000 during the year ended March 31, 2011 to properly reflect the fair value of the instrument.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">On April 11, 2011, the Company eliminated the mandatorily redeemable shares of the Company’s common stock as a result of an investor’s purchase of these shares in a private transaction.  In connection with the purchase of these shares, the redemption feature was eliminated.  As a result, the Company no longer has the liability related to these shares on its balance sheet and the Company’s capital increased by $1.5 million.</p><p style="text-align:left; padding:0; margin:0"> </p>
<!--egx--><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">(13)</font></b></p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><u><font style="text-decoration:underline; font-weight:700">Senior Convertible Debentures </font></u></b></p></td></tr></table></div><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Effective December 1, 2009, the Company issued $6.1 million in convertible senior debentures. The debentures will mature on December 1, 2029 and accrue interest at the rate of 8.0% per annum until maturity or earlier redemption or repayment. Interest on the debentures is payable on June 1 and December 1 of each year, and commenced June 1, 2010. The debentures are convertible into the Company’s common stock at a conversion price of $20 per share at the option of the holder at any time prior to maturity.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The debentures are redeemable, in whole or in part, at the option of the Company at any time on or after December 1, 2019, at a price equal to 100% of the principal amount of the debentures to be purchased plus any accrued and unpaid interest to, but excluding, the date of redemption. The debentures are unsecured general obligations of the Company ranking equal in right of payment to all of our present and future unsecured indebtedness that is not expressly subordinated.</p><p style="text-align:left; padding:0; margin:0"> </p>
<!--egx--><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">(14)</font></b></p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><u><font style="text-decoration:underline; font-weight:700">Income Taxes<font style="text-decoration:underline; font-weight:700">  </font></font></u></b></p></td></tr></table></div><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Income tax expense is comprised of the following:</p><p style="text-align:left; padding:0; margin:0"> </p><table width="80%" style="text-align:left; width:80%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="23%" style="text-align:left; width:23%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="32%" colspan="5" style="text-align:left; width:32%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">For the Years Ended March 31,</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; width:23%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2012</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2011</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2010</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; background-color:#cceeff; width:23%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Current:</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; width:23%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Federal</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,814,394</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,755,393</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,879,069</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; background-color:#cceeff; width:23%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">State</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">226,970</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">336,011</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">320,729</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; width:23%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Total Current Tax Expense</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,041,364</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,091,404</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,199,798</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; background-color:#cceeff; width:23%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Deferred:</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; width:23%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Federal</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(706,857)</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(1,025,678)</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(1,030,802)</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; background-color:#cceeff; width:23%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">State</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">576,774</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(107,593)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(108,791)</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; width:23%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">Total Deferred Tax Expense</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(130,083)</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(1,133,271)</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(1,139,593)</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; background-color:#cceeff; width:23%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Total Income Tax Expense</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,911,281</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">958,133</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,060,205</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; width:23%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The Company's income taxes differ from those computed at the statutory federal income tax rate, as follows:</p><p style="text-align:left; padding:0; margin:0"> </p><table width="80%" style="text-align:left; width:80%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="23%" style="text-align:left; width:23%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="32%" colspan="5" style="text-align:left; width:32%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">For the Years Ended March 31,</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; width:23%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2012</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2011</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2010</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; background-color:#cceeff; width:23%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">Tax At Statutory Income Tax Rate</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,260,263</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">952,356</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">906,102</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; width:23%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">State Tax And Other</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">10,480</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(23,555)</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">124,896</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; background-color:#cceeff; width:23%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Write-down Of State Deferred Tax</p><p style="text-align:left; padding:0; margin:0">   Asset</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">625,000</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">-</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; width:23%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Valuation Allowance</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">15,538</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">29,332</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">29,207</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; background-color:#cceeff; width:23%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Total Income Tax Expense</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,911,281</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">958,133</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,060,205</p></td></tr><tr style="text-align:left"><td width="23%" style="text-align:left; width:23%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr></table><p style="text-align:justify; padding:0; margin:0">The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities are presented below.</p><p style="text-align:left; padding:0; margin:0"> </p><table width="80%" style="text-align:left; width:80%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="61%" style="text-align:left; width:61%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="37%" colspan="3" style="text-align:left; width:37%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">At March 31,</p></td></tr><tr style="text-align:left"><td width="61%" style="text-align:left; width:61%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; width:17%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2012</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="18%" style="text-align:left; width:18%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2011</p></td></tr><tr style="text-align:left"><td width="61%" style="text-align:left; background-color:#cceeff; width:61%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Deferred Tax Assets:</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; background-color:#cceeff; width:17%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="18%" style="text-align:left; background-color:#cceeff; width:18%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="61%" style="text-align:left; width:61%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Deferred Compensation</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="17%" style="text-align:left; width:17%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">491,872</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="18%" style="text-align:left; width:18%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">479,864</p></td></tr><tr style="text-align:left"><td width="61%" style="text-align:left; background-color:#cceeff; width:61%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Provision For Loan Losses</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; background-color:#cceeff; width:17%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">5,023,701</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="18%" style="text-align:left; background-color:#cceeff; width:18%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">4,730,250</p></td></tr><tr style="text-align:left"><td width="61%" style="text-align:left; width:61%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Other Real Estate Owned</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; width:17%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">763,796</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="18%" style="text-align:left; width:18%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">915,742</p></td></tr><tr style="text-align:left"><td width="61%" style="text-align:left; background-color:#cceeff; width:61%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Net Fees Deferred For Financial Reporting</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; background-color:#cceeff; width:17%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">126,811</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="18%" style="text-align:left; background-color:#cceeff; width:18%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">149,942</p></td></tr><tr style="text-align:left"><td width="61%" style="text-align:left; width:61%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Non-accrual Interest</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; width:17%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">412,775</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="18%" style="text-align:left; width:18%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">573,071</p></td></tr><tr style="text-align:left"><td width="61%" style="text-align:left; background-color:#cceeff; width:61%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Net Operating Losses</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; background-color:#cceeff; width:17%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">220,730</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="18%" style="text-align:left; background-color:#cceeff; width:18%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">205,192</p></td></tr><tr style="text-align:left"><td width="61%" style="text-align:left; width:61%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">Other</p></td><td width="2%" style="text-align:left; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; width:17%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">58,467</p></td><td width="2%" style="text-align:left; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="18%" style="text-align:left; width:18%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">94,494</p></td></tr><tr style="text-align:left"><td width="61%" style="text-align:left; background-color:#cceeff; width:61%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Total Gross Deferred Tax Assets</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; background-color:#cceeff; width:17%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">7,098,152</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="18%" style="text-align:left; background-color:#cceeff; width:18%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">7,148,555</p></td></tr><tr style="text-align:left"><td width="61%" style="text-align:left; width:61%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Less: Valuation Allowance</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; width:17%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">220,730</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="18%" style="text-align:left; width:18%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">205,192</p></td></tr><tr style="text-align:left"><td width="61%" style="text-align:left; background-color:#cceeff; width:61%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Net Deferred Tax Assets</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; background-color:#cceeff; width:17%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">6,877,422</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="18%" style="text-align:left; background-color:#cceeff; width:18%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">6,943,363</p></td></tr><tr style="text-align:left"><td width="61%" style="text-align:left; width:61%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Deferred Tax Liabilities:</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; width:17%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="18%" style="text-align:left; width:18%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="61%" style="text-align:left; background-color:#cceeff; width:61%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">FHLB Stock Basis Over Tax Basis</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; background-color:#cceeff; width:17%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">114,568</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="18%" style="text-align:left; background-color:#cceeff; width:18%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">126,565</p></td></tr><tr style="text-align:left"><td width="61%" style="text-align:left; width:61%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Depreciation</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; width:17%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">480,812</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="18%" style="text-align:left; width:18%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">612,383</p></td></tr><tr style="text-align:left"><td width="61%" style="text-align:left; background-color:#cceeff; width:61%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">    Other</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; background-color:#cceeff; width:17%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">73,547</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="18%" style="text-align:left; background-color:#cceeff; width:18%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">103,614</p></td></tr><tr style="text-align:left"><td width="61%" style="text-align:left; width:61%; padding:0" valign="top"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">Intangibles</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; width:17%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">37,105</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="18%" style="text-align:left; width:18%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">59,494</p></td></tr><tr style="text-align:left"><td width="61%" style="text-align:left; background-color:#cceeff; width:61%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Unrealized Gain on Securities Available for Sale</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; background-color:#cceeff; width:17%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">3,999,426</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="18%" style="text-align:left; background-color:#cceeff; width:18%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,235,538</p></td></tr><tr style="text-align:left"><td width="61%" style="text-align:left; width:61%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Total Gross Deferred Tax Liability</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; width:17%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">4,705,458</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="18%" style="text-align:left; width:18%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">3,137,594</p></td></tr><tr style="text-align:left"><td width="61%" style="text-align:left; background-color:#cceeff; width:61%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Net Deferred Tax Asset</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="17%" style="text-align:left; background-color:#cceeff; width:17%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,171,964</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="18%" style="text-align:left; background-color:#cceeff; width:18%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">3,805,769</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Deferred tax assets represent the future tax benefit of deductible differences and, if it is more likely than not that a tax asset will not be realized, a valuation allowance is required to reduce the recorded deferred tax assets to net realizable value. As of March 31, 2012, management has determined that it is more likely than not that the total deferred tax asset will be realized except for the deferred tax asset associated with State net operating loss carryforwards, and, accordingly, has established a valuation allowance only for this item. The change in the valuation allowance was $15,538. Net deferred tax assets are included in other assets at March 31, 2012 and 2011. The Company has state net operating losses of $6.7 million and $6.2 million for the years ended March 31, 2012 and 2011, respectively.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">During the year ended March 31, 2012, the Company wrote down the state deferred tax asset by $625,000 as a result of the Bank’s conversion from a thrift to a state-chartered commercial bank. This is the result of a difference in South Carolina income tax laws for banks versus thrifts. As a result of the conversion, the basis for calculating taxes for South Carolina changed from pre-tax income (which incorporated permanent tax differences) at a rate of 6% to book net income (after applicable federal taxes) at a rate of 4.5%.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Retained earnings at March 31, 2012 included tax bad debt reserves of approximately $2.2 million, for which no provision for federal income tax has been made. If, in the future, these amounts are used for any purpose other than to absorb bad debt losses, including dividends, stock redemptions, or distributions in liquidation, or the Company ceases to be qualified as a bank, they may be subject to federal income tax at the prevailing corporate tax rate. Tax returns for 2008 and subsequent years are subject to examination by taxing authorities.</p><p style="text-align:left; padding:0; margin:0"> </p>
<!--egx--><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">(15)</font></b></p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><u><font style="text-decoration:underline; font-weight:700">Regulatory Matters </font></u></b></p></td></tr></table></div><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The Federal Reserve and bank regulatory agencies require bank holding companies and financial institutions to maintain capital at adequate levels based on a percentage of assets and off-balance sheet exposures, adjusted for risk weights ranging from 0% to 100%. Under the capital adequacy guidelines, regulatory capital is classified into two tiers. These guidelines require an institution to maintain a certain level of Tier 1 and Tier 2 capital to risk-weighted assets. Tier 1 capital consists of common shareholders' equity, excluding the unrealized gain or loss on securities available for sale, minus certain intangible assets. In determining the amount of risk-weighted assets, all assets, including certain off-balance sheet assets, are multiplied by a risk-weight factor of 0% to 100% based on the risks believed to be inherent in the type of asset. Tier 2 capital consists of Tier 1 capital plus the general reserve for loan losses, subject to certain limitations. The Bank is required to maintain capital at a minimum level based on total average assets, which is known as the Tier 1 leverage ratio.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Failure to meet minimum capital requirements can initiate certain mandatory and discretionary actions by regulators that could have a material adverse effect on the Company.  As of March 31, 2012 and 2011, the Bank was categorized as “well capitalized” under the regulatory framework for prompt corrective action.  There are no conditions or events that management believes have changed that classification as of the date of this Annual Report.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The Company and the Bank’s regulatory capital amounts and ratios are as follows as of the dates indicated:</p><p style="text-align:left; padding:0; margin:0"> </p><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="26%" style="text-align:left; width:26%; padding:0" valign="top"></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" colspan="3" style="text-align:left; width:15%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"> </p><p style="text-align:center; padding:0; margin:0" align="center"> </p><p style="text-align:center; padding:0; margin:0" align="center">Actual</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" colspan="3" style="text-align:left; width:15%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"> </p><p style="text-align:center; padding:0; margin:0" align="center"> </p><p style="text-align:center; padding:0; margin:0" align="center">For Capital Adequacy</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" colspan="3" style="text-align:left; width:15%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">To Be Well Capitalized </p><p style="text-align:center; padding:0; margin:0" align="center">Under Prompt Corrective </p><p style="text-align:center; padding:0; margin:0" align="center">Action Provisions</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; width:26%; padding:0" valign="top"></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Amount</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" style="text-align:left; width:6%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Ratio</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Amount</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" style="text-align:left; width:6%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Ratio</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Amount</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" colspan="2" style="text-align:left; width:6%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Ratio</p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; width:26%; padding:0" valign="top"></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="50%" colspan="11" style="text-align:left; width:50%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">(Dollars in Thousands)</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; background-color:#cceeff; width:26%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">March 31, 2012</font></b></p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" colspan="2" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; width:26%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0"><b><font style="font-weight:700"><font style="font-weight:700">        </font>SECURITY FEDERAL CORP.</font></b></p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" colspan="2" style="text-align:left; width:6%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; background-color:#cceeff; width:26%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Tier 1 Risk-Based Core Capital</p><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        (To Risk Weighted Assets)</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">67,360</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">14.9%</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">18,031</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">4.0%</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">N/A</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" colspan="2" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">N/A</p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; width:26%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Total Risk-Based Capital</p><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        (To Risk Weighted Assets)</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">83,666</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">18.6%</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">36,314</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">8.0%</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">N/A</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" colspan="2" style="text-align:left; width:6%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">N/A</p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; background-color:#cceeff; width:26%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Tier 1 Leverage (Core) Capital</p><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        (To Adjusted Tangible Assets)</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">67,360</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">7.4%</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">36,314</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">4.0%</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">N/A</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" colspan="2" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">N/A</p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; width:26%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" colspan="2" style="text-align:left; width:6%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; background-color:#cceeff; width:26%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0"><b><font style="font-weight:700"><font style="font-weight:700">        </font>SECURITY FEDERAL BANK</font></b></p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" colspan="2" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; width:26%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Tier 1 Risk-Based Core Capital</p><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        (To Risk Weighted Assets)</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">78,555</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">17.4%</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">18,022</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">4.0%</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">27,033</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" colspan="2" style="text-align:left; width:6%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">6.0%</p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; background-color:#cceeff; width:26%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Total Risk-Based Capital</p><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        (To Risk Weighted Assets)</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">84,298</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">18.7%</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">36,043</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">8.0%</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">45,054</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" colspan="2" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">10.0%</p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; width:26%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Tier 1 Leverage (Core) Capital</p><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        (To Adjusted Tangible Assets)</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">78,555</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">8.7%</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">36,303</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">4.0%</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">45,379</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" colspan="2" style="text-align:left; width:6%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">5.0%</p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; background-color:#cceeff; width:26%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" colspan="2" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; width:26%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">March 31, 2011</font></b></p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" colspan="2" style="text-align:left; width:6%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; background-color:#cceeff; width:26%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0"><b><font style="font-weight:700"><font style="font-weight:700">        </font>SECURITY FEDERAL BANK</font></b></p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" colspan="2" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; width:26%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Tier 1 Risk-Based Core Capital</p><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        (To Risk Weighted Assets)</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">76,399</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">15.4%</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">19,900</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">4.0%</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">29,850</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" colspan="2" style="text-align:left; width:6%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">6.0%</p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; background-color:#cceeff; width:26%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Total Risk-Based Capital</p><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        (To Risk Weighted Assets)</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">82,618</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">16.6%</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">39,801</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">8.0%</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">49,751</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" colspan="2" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">10.0%</p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; width:26%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Tier 1 Leverage (Core) Capital</p><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        (To Adjusted Tangible Assets)</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">76,399</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">8.3%</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">37,060</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">4.0%</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">46,325</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" colspan="2" style="text-align:left; width:6%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">5.0%</p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; background-color:#cceeff; width:26%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Tangible Capital</p><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        (To Tangible Assets)</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">76,399</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">8.3%</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">18,530</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">2.0%</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">46,325</p><p style="text-align:right; padding:0; margin:0" align="right"> </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="6%" colspan="2" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">5.0%</p></td></tr><tr style="text-align:left"><td width="246" style="text-align:left; width:246px; padding:0"></td><td width="19" style="text-align:left; width:19px; padding:0"></td><td width="66" style="text-align:left; width:66px; padding:0"></td><td width="19" style="text-align:left; width:19px; padding:0"></td><td width="57" style="text-align:left; width:57px; padding:0"></td><td width="19" style="text-align:left; width:19px; padding:0"></td><td width="66" style="text-align:left; width:66px; padding:0"></td><td width="19" style="text-align:left; width:19px; padding:0"></td><td width="57" style="text-align:left; width:57px; padding:0"></td><td width="19" style="text-align:left; width:19px; padding:0"></td><td width="66" style="text-align:left; width:66px; padding:0"></td><td width="19" style="text-align:left; width:19px; padding:0"></td><td width="66" style="text-align:left; width:66px; padding:0"></td><td width="9" style="text-align:left; width:9px; padding:0"></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Prior to the Company’s conversion on December 28, 2011 to a bank holding company, it was required to only calculate regulatory capital ratios on the bank level and not the holding company.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The payment of dividends by the Company depends primarily on the ability of the Bank to pay dividends to the Company.  The Bank is subject to various general regulatory policies and requirements relating to the payment of dividends. Any restrictions on the ability of the Bank to pay dividends will indirectly restrict the ability of the Company to pay dividends.</p><p style="text-align:left; padding:0; margin:0"> </p>
<!--egx--><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">(16)</font></b></p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><u><font style="text-decoration:underline; font-weight:700">Employee Benefit Plans </font></u></b></p></td></tr></table></div><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The Company is participating in a multiple employer defined contribution employee benefit plan covering substantially all employees with six months or more of service.  The Company matches a portion of the employees’ contributions and the plan has a discretionary profit sharing provision.  The total employer contributions were $188,000, $221,000, and $217,000 for the years ended March 31, 2012, 2011, and 2010, respectively.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The Company has an Employee Stock Purchase Plan (“ESPP”).  The ESPP allows employees of the Company to purchase stock quarterly through a payroll deduction at a discount calculated as 15% of the market value with a floor equal to the Company’s book value.  The ESPP, which was approved by stockholders in July 2005, became effective in January 2007.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Participation in the ESPP is voluntary.  Employees are limited to investing $25,000 or 5% of their annual salary, whichever is lower, during the year.  During the year ended March 31, 2012, there were no employee stock purchases within the plan.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Certain officers of the Company participate in a supplemental retirement plan.  These benefits are not qualified under the Internal Revenue Code and they are not funded.  During the years ended March 31, 2012, 2011 and 2010, the Company incurred expenses of $180,000, $282,000 and $304,000, respectively, for this plan.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Certain officers and directors of the Company participate in incentive and non-qualified stock option plans. Prior to fiscal 2010, the Company had three stock option plans that together authorized the Company to grant 150,000 options. In 2008, the 2008 Equity Incentive Plan was approved by stockholders and implemented by the Company with the intention of replacing the previous three option plans. No additional options are to be granted under the old plans and forfeitures under the old plans are not added to the new plan as available options, however, all existing options outstanding under these plans remain in effect. The 2008 Equity Incentive Plan provides for the grant of non-qualified and incentive stock options, stock appreciation rights (“SARS”), and restricted stock awards. Under the 2008 Equity Incentive Plan, 50,000 shares of common stock are reserved for the issuance of stock options and SARS in addition to 50,000 shares subject to restricted stock awards. The plan is administered by a committee appointed by the Board of Directors. The committee determines the specific employees, amount and type of any awards granted. At March 31, 2012 and 2011, there were 50,000 shares available for issuance under this plan.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Options under all plans are granted at exercise prices not less than the fair value of the Company’s common stock on the date of the grant.  The following is a summary of the activity under the Company’s incentive and non-qualified stock option plans for the years ended March 31, 2012, 2011, and 2010:</p><p style="text-align:left; padding:0; margin:0"> </p><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="18%" colspan="2" style="text-align:left; width:18%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">2012</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="19%" colspan="2" style="text-align:left; width:19%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">2011</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="18%" colspan="2" style="text-align:left; width:18%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">2010</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"> </p><p style="text-align:center; padding:0; margin:0" align="center">Shares</p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center">Weighted Avg.</p><p style="text-align:center; padding:0; margin:0" align="center">Exercise Price</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"> </p><p style="text-align:center; padding:0; margin:0" align="center">Shares</p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center">Weighted Avg.</p><p style="text-align:center; padding:0; margin:0" align="center">Exercise Price</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"> </p><p style="text-align:center; padding:0; margin:0" align="center">Shares</p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center">Weighted Avg.</p><p style="text-align:center; padding:0; margin:0" align="center">Exercise Price</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; background-color:#cceeff; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Balance, Beginning of Year</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">81,400</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$22.51</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">90,900</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$22.57</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">100,500</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$22.01</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0" valign="top"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">Options Granted</p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; background-color:#cceeff; width:27%; padding:0" valign="top"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">Options Exercised</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">Options Forfeited</p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">8,500</p></td><td width="10%" style="text-align:left; width:10%; padding:0 0 1pt 0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">21.72</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">8,500</p></td><td width="10%" style="text-align:left; width:10%; padding:0 0 1pt 0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">23.09</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">9,600</p></td><td width="10%" style="text-align:left; width:10%; padding:0 0 1pt 0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">16.67</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; background-color:#cceeff; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Balance, March 31</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">72,900</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$22.62</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">81,400</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$22.51</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">90,900</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$22.57</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; background-color:#cceeff; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Total Intrinsic Value Of Options</p><p style="text-align:left; padding:0; margin:0">   Exercised During The Year</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Weighted-Average Fair Value Of</p><p style="text-align:left; padding:0; margin:0">   Options Granted During The Year</p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; background-color:#cceeff; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Options Exercisable</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">43,600</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$22.05</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">49,900</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$21.91</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">50,400</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$21.93</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Weighted-Average Remaining Life Of Exercisable Options</p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">2.5 years</p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">3.4 years</p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">4.4 years</p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; background-color:#cceeff; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Options Available For Grant</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">50,000</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">50,000</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">50,000</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">During the year ended March 31, 2012, 1,200 stock options with an exercise price of $23.03 vested. No options vested during the years ended March 31, 2011, and 2010. The aggregate intrinsic value of the stock options outstanding and exercisable at March 31, 2012, 2011 and 2010 amounted to $0 for all periods. Total compensation expense related to stock options was $33,000, $34,000, and $33,000 for the periods ended March 31, 2012, 2011 and 2010, respectively.  As of March 31, 2012, there was $145,000 of total unrecognized compensation cost related to non-vested stock options.  The cost is expected to be recognized over a weighted average period of four years.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">There were no stock-based awards granted by the Company, during the years ended March 31, 2012, 2011 or 2010.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">At March 31, 2012, the Company had the following options outstanding:</p><p style="text-align:left; padding:0; margin:0"> </p><table width="80%" style="text-align:left; width:80%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="15%" style="text-align:left; width:15%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Grant Date</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Outstanding </p><p style="text-align:center; padding:0; margin:0" align="center">Options</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Option Price</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="16%" style="text-align:left; width:16%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Expiration Date</p></td></tr><tr style="text-align:left"><td width="15%" style="text-align:left; width:15%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="16%" style="text-align:left; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="15%" style="text-align:left; background-color:#cceeff; width:15%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">09/01/03</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">2,400</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$24.00</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="16%" style="text-align:left; background-color:#cceeff; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">08/31/13</p></td></tr><tr style="text-align:left"><td width="15%" style="text-align:left; width:15%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="16%" style="text-align:left; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="15%" style="text-align:left; background-color:#cceeff; width:15%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">12/01/03</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">3,000</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$23.65</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="16%" style="text-align:left; background-color:#cceeff; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">11/30/13</p></td></tr><tr style="text-align:left"><td width="15%" style="text-align:left; width:15%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="16%" style="text-align:left; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="15%" style="text-align:left; background-color:#cceeff; width:15%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">01/01/04</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">5,000</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$24.22</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="16%" style="text-align:left; background-color:#cceeff; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">12/31/13</p></td></tr><tr style="text-align:left"><td width="15%" style="text-align:left; width:15%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="16%" style="text-align:left; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="15%" style="text-align:left; background-color:#cceeff; width:15%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">03/08/04</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">7,000</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$21.43</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="16%" style="text-align:left; background-color:#cceeff; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">03/08/14</p></td></tr><tr style="text-align:left"><td width="15%" style="text-align:left; width:15%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="16%" style="text-align:left; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="15%" style="text-align:left; background-color:#cceeff; width:15%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">06/07/04</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">2,000</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$24.00</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="16%" style="text-align:left; background-color:#cceeff; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">06/07/14</p></td></tr><tr style="text-align:left"><td width="15%" style="text-align:left; width:15%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="16%" style="text-align:left; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="15%" style="text-align:left; background-color:#cceeff; width:15%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">01/01/05</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">19,000</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$20.55</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="16%" style="text-align:left; background-color:#cceeff; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">12/31/14</p></td></tr><tr style="text-align:left"><td width="15%" style="text-align:left; width:15%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="16%" style="text-align:left; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="15%" style="text-align:left; background-color:#cceeff; width:15%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">01/01/06</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">4,000</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$23.91</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="16%" style="text-align:left; background-color:#cceeff; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">01/01/16</p></td></tr><tr style="text-align:left"><td width="15%" style="text-align:left; width:15%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="16%" style="text-align:left; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="15%" style="text-align:left; background-color:#cceeff; width:15%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">08/24/06</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">6,000</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$23.03</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="16%" style="text-align:left; background-color:#cceeff; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">08/24/16</p></td></tr><tr style="text-align:left"><td width="15%" style="text-align:left; width:15%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="16%" style="text-align:left; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="15%" style="text-align:left; background-color:#cceeff; width:15%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">05/24/07</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">2,000</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$24.34</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="16%" style="text-align:left; background-color:#cceeff; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">05/24/17</p></td></tr><tr style="text-align:left"><td width="15%" style="text-align:left; width:15%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="16%" style="text-align:left; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="15%" style="text-align:left; background-color:#cceeff; width:15%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">07/09/07</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">1,000</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$24.61</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="16%" style="text-align:left; background-color:#cceeff; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">07/09/17</p></td></tr><tr style="text-align:left"><td width="15%" style="text-align:left; width:15%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="16%" style="text-align:left; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="15%" style="text-align:left; background-color:#cceeff; width:15%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">10/01/07</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">2,000</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$24.28</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="16%" style="text-align:left; background-color:#cceeff; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">10/01/17</p></td></tr><tr style="text-align:left"><td width="15%" style="text-align:left; width:15%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="16%" style="text-align:left; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="15%" style="text-align:left; background-color:#cceeff; width:15%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">01/01/08</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">15,000</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$23.49</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="16%" style="text-align:left; background-color:#cceeff; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">01/01/18</p></td></tr><tr style="text-align:left"><td width="15%" style="text-align:left; width:15%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="16%" style="text-align:left; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="15%" style="text-align:left; background-color:#cceeff; width:15%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">05/19/08</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">2,500</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$22.91</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="16%" style="text-align:left; background-color:#cceeff; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">05/19/18</p></td></tr><tr style="text-align:left"><td width="15%" style="text-align:left; width:15%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="16%" style="text-align:left; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="15%" style="text-align:left; background-color:#cceeff; width:15%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">07/01/08</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">2,000</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$22.91</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="16%" style="text-align:left; background-color:#cceeff; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">07/01/18</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">All options granted prior to March 31, 2006 are 100% vested. Options granted after March 31, 2006 generally vest 20% per year every year beginning in the sixth year after the grant date.  Those options granted after March 31, 2006 may be exercised as they vest in years six through ten, or until the end of year ten after the grant date.</p><p style="text-align:left; padding:0; margin:0"> </p>
<!--egx--><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">(17)</font></b></p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><u><font style="text-decoration:underline; font-weight:700">Stock Warrants </font></u></b></p></td></tr></table></div><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">In conjunction with its participation in the U.S. Department of Treasury’s (“Treasury”) Capital Purchase Program (“CPP”) in 2008, the Company sold a warrant to the Treasury to purchase 137,966 shares of the Company’s common stock. The warrant has a 10-year term and was immediately exercisable upon issuance. At March 31, 2012, the warrant was anti-dilutive. There were no changes in the Company’s stock warrants during the years ended March 31, 2012 and 2011.</p><p style="text-align:left; padding:0; margin:0"> </p>
<!--egx--><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">(18)</font></b></p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><u><font style="text-decoration:underline; font-weight:700">Bank Owned Life Insurance </font></u></b></p></td></tr></table></div><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The cash value of the life insurance policies are recorded as a separate line item in the accompanying balance sheets at $10.8 million, $10.4 million and $10.0 million at March 31, 2012, 2011 and 2010, respectively.  The insurance provides key person life insurance on certain officers of the Company.  The earnings-portion of the insurance policies grows tax deferred and helps offset the cost of the Company’s benefits programs.  The Company recorded earnings of $420,000, $415,000 and $360,000 for the growth in the cash value of life insurance during the years ended March 31, 2012, 2011 and 2010, respectively.</p><p style="text-align:left; padding:0; margin:0"> </p>
<!--egx--><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">(19)</font></b></p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><u><font style="text-decoration:underline; font-weight:700">Commitments and Contingencies </font></u></b></p></td></tr></table></div><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">In the ordinary course of business, the Company has various outstanding commitments and contingent liabilities that are not reflected in the accompanying consolidated financial statements.  In addition, the Company is a defendant in certain claims and legal actions arising in the ordinary course of business.  In the opinion of management, after consultation with legal counsel, the ultimate disposition of these matters is not expected to have a material adverse effect on the consolidated financial condition of the Company.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">In conjunction with its lending activities, the Bank enters into various commitments to extend credit and issue letters of credit.  Loan commitments (unfunded loans and unused lines of credit) and letters of credit are issued to accommodate the financing needs of the Bank's customers.  Loan commitments are agreements by the Bank to lend at a future date, so long as there are no violations of any conditions established in the agreement.  Letters of credit commit the Bank to make payments on behalf of customers when certain specified events occur.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Financial instruments where the contract amount represents the Bank's credit risk include commitments under pre-approved but unused lines of credit of $24.1 million and $33.1 million, undisbursed loans in process of $1.9 million and $4.6 million, and letters of credit of $1.7 million and $1.5 million at March 31, 2012 and 2011, respectively.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">These loan and letter of credit commitments are subject to the same credit policies and reviews as loans on the balance sheet.  Collateral, both the amount and nature, is obtained based upon management's assessment of the credit risk.  Since many of the extensions of credit are expected to expire without being drawn, the total commitment amounts do not necessarily represent future cash requirements.  In addition to these loan commitments noted above, the Bank had unused credit card loan commitments of $4.5 million and $4.4 million at March 31, 2012 and 2011, respectively.  There were no outstanding commitments on mortgage loans not yet closed at March 31, 2012. Outstanding commitments on mortgage loans not yet closed amounted to $431,000 at March 31, 2011.  These commitments, which are funded subject to certain limitations, extend over varying periods of time with the majority being funded within 45 days.  At March 31, 2012 and 2011, the Bank had outstanding commitments to sell approximately $2.7 million and $5.2 million of loans, respectively, which encompassed the Bank’s held for sale loans.  The Bank also has commitments to sell mortgage loans not yet closed, on a best efforts basis.  Best efforts means the Bank suffers no penalty if they are unable to deliver the loans to the potential buyers.  The fair value of the Bank’s commitment to originate mortgage loans at committed interest rates and to sell such loans to permanent investors is insignificant.</p><p style="text-align:left; padding:0; margin:0"> </p>
<!--egx--><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">(20)</font></b></p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><u><font style="text-decoration:underline; font-weight:700">Related Party Transactions </font></u></b></p></td></tr></table></div><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Certain directors, executive officers and companies with which they are affiliated are customers of, and have banking transactions with, the Bank in the ordinary course of business. These loans were made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable arms-length transactions.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">A summary of loan transactions with directors, including their affiliates, and executive officers follows:</p><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:left; padding:0; margin:0"> </p><table width="90%" style="text-align:left; width:90%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36%" style="text-align:left; width:36%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="32%" colspan="8" style="text-align:left; width:32%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">For the Years Ended March 31,</p></td></tr><tr style="text-align:left"><td width="36%" style="text-align:left; width:36%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2012</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2011</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2010</p></td></tr><tr style="text-align:left"><td width="36%" style="text-align:left; background-color:#cceeff; width:36%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Balance, Beginning of Year</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">356,345</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">460,115</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,274,769</p></td></tr><tr style="text-align:left"><td width="36%" style="text-align:left; width:36%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">New Loans</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">9,270</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">43,620</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">65,933</p></td></tr><tr style="text-align:left"><td width="36%" style="text-align:left; background-color:#cceeff; width:36%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Less Loan Payments</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">48,805</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">147,390</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">880,587</p></td></tr><tr style="text-align:left"><td width="36%" style="text-align:left; width:36%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Balance, End of Year</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">316,810</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">356,345</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">460,115</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Loans to all employees, officers, and directors of the Company, in the aggregate constituted approximately 4.9% and 5.1% of the Company’s total shareholders' equity at March 31, 2012 and 2011, respectively.  At March 31, 2012 and 2011, deposits from executive officers and directors of the Bank and Company and their related interests in the aggregate approximated $6.3 million and $4.5 million, respectively.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The Company leased office space from two related parties during the year ended March 31, 2012. The first lease is with a company in which a director and an officer of the Company and the Bank have an ownership interest.  The Company incurred expenses of $76,000, $74,000, and $73,000 for rent for the years ended March 31, 2012, 2011, and 2010, respectively, related to this lease.  The Company also leased office space from another officer during the year.  On this lease, the Company incurred rent expense of $6,900 during the year ended March 31, 2012 and $41,400 per year during each of the years ended March 31, 2011 and 2010, respectively. This lease was terminated during the 2012 fiscal year.  Management is of the opinion that the transactions with respect to office rent are made on terms that are comparable to those which would be made with unaffiliated persons.</p><p style="text-align:left; padding:0; margin:0"> </p>
<!--egx--><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">(21)</font></b></p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><u><font style="text-decoration:underline; font-weight:700">Stock Issuance and Exchange </font></u></b></p></td></tr></table></div><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The Company was approved to participate in the Treasury’s Community Development Capital Initiative (“CDCI”).  The CDCI was established by the Treasury under the Troubled Asset Relief Program to invest lower cost capital in Community Development Financial Institutions (“CDFI”), supporting their efforts to provide credit to small businesses and other qualified customers in connection with the downturn in the economy.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">In connection with its participation in the CDCI, on September 29, 2010, the Company (i) exchanged all $18.0 million (aggregate liquidation preference amount) of its Fixed Rate Cumulative Perpetual Preferred Stock, Series A (“Series A Preferred Stock”), previously sold to the Treasury pursuant to the Troubled Asset Relief Program CPP, for $18.0 million (aggregate liquidation preference amount) of the Company’s newly designated Fixed Rate Cumulative Perpetual Preferred Stock, Series B (the “Series B Preferred Stock”), (ii) sold 400,000 shares of its common stock at $10.00 per share in a private offering to board members of the Company for aggregate gross proceeds of $4.0 million; and (iii) received an additional $4.0 million investment from the Treasury through the sale of an additional $4.0 million (aggregate liquidation preference amount) of its Series B Preferred Stock to the Treasury.  The additional $4.0 million investment from the Treasury was contingent upon the Company’s completion of the $4.0 million separate stock offering for the same amount, as required by the Company’s primary regulator at the time, the Office of Thrift Supervision.  The warrant sold by the Company to the Treasury in connection with the Company’s participation in Treasury’s Troubled Asset Relief Program CPP in 2008 remains outstanding.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Participation in the CDCI provided the Company with $8.0 million in additional capital and lowered the cost of the capital received from the Treasury.  The annual dividend rate on the Series A Preferred Stock was 5% and was to have increased to 9% on February 15, 2014.  The annual dividend rate on the Series B Preferred Stock is 2% for the first eight years from the date of issuance, or until September 19, 2018, and 9% thereafter if still then outstanding.  The Company and the Bank must maintain eligibility as a CDFI under Treasury regulations, otherwise, the annual dividend rate on the Series B Preferred Stock will increase to 5% if such eligibility is not corrected within 180 days and will further increase to 9% if not corrected after 270 days.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">In addition, on December 22, 2010, the Company sold 82,906 shares of its common stock, $0.01 par value per share, through a private placement. The purchase price was $10.00 per share and the net proceeds received from the sale of these shares was $829,060. This was the final phase in the Company’s current plan to raise additional capital.</p><p style="text-align:left; padding:0; margin:0"> </p>
<!--egx--><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">(22)</font></b></p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><u><font style="text-decoration:underline; font-weight:700">Security Federal Corporation Condensed Financial Statements (Parent Company Only) </font></u></b></p></td></tr></table></div><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The following is condensed financial information of Security Federal Corporation (Parent Company only).  The primary asset is its investment in the Bank subsidiary and the principal source of income for the Company is equity in undistributed earnings from the Bank.</p><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Condensed Balance Sheet Data</p><p style="text-align:left; padding:0; margin:0"> </p><table width="90%" style="text-align:left; width:90%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="41%" style="text-align:left; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="23%" colspan="3" style="text-align:left; width:23%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">At March 31,</p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2012</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2011</p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; background-color:#cceeff; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Assets:</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Cash</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">5,471,308</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">5,422,037</p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; background-color:#cceeff; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Investment Securities, Available For Sale</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">75,750</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">78,750</p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Investment in Security Federal Statutory Trust</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">155,000</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">155,000</p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; background-color:#cceeff; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Loans Receivable, Net</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,786,294</p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Investment In Security Federal Bank</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">86,405,275</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">81,411,687</p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; background-color:#cceeff; width:41%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">Accounts Receivable And Other Assets</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">69,787</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">36,616</p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Total Assets</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">92,177,120</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">88,890,384</p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; background-color:#cceeff; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Liabilities And Shareholders’ Equity:</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; background-color:#cceeff; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Accounts Payable And Other Liabilities</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">167,534</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">173,167</p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Other Borrowings</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; background-color:#cceeff; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Junior Subordinated Debentures</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">5,155,000</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">5,155,000</p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Senior Convertible Debentures</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">6,084,000</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">6,084,000</p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; background-color:#cceeff; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Mandatorily Redeemable Financial Instrument</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,467,312</p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; width:41%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">Shareholders’ Equity</p></td><td width="2%" style="text-align:left; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">80,770,586</p></td><td width="2%" style="text-align:left; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">76,010,905</p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; background-color:#cceeff; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Total Liabilities And Shareholders’ Equity</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">92,177,120</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">88,890,384</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Condensed Statements of Income Data</p><p style="text-align:left; padding:0; margin:0"> </p><table width="90%" style="text-align:left; width:90%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="47%" style="text-align:left; width:47%; padding:0" valign="top"></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="51%" colspan="5" style="text-align:left; width:51%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">For the Years Ended March 31,</p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; width:47%; padding:0" valign="top"></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; width:13%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2012</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; width:17%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2011</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; width:15%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2010</p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; background-color:#cceeff; width:47%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Income:</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; background-color:#cceeff; width:17%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; background-color:#cceeff; width:15%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; width:47%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Equity In Earnings Of Security Federal Bank</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="13%" style="text-align:left; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,095,707</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="17%" style="text-align:left; width:17%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,029,275</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="15%" style="text-align:left; width:15%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,004,759</p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; background-color:#cceeff; width:47%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Interest Income</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">78,667</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; background-color:#cceeff; width:17%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">91,806</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; background-color:#cceeff; width:15%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">10,163</p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; width:47%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Miscellaneous Income</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; width:13%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">34,338</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; width:17%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">24,803</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; width:15%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">7,199</p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; background-color:#cceeff; width:47%; padding:0" valign="top"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">Total Income</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,208,712</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; background-color:#cceeff; width:17%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,145,884</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; background-color:#cceeff; width:15%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,022,121</p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; width:47%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Expenses:</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; width:13%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; width:17%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; width:15%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; background-color:#cceeff; width:47%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Interest Expense</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">653,727</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; background-color:#cceeff; width:17%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">720,081</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; background-color:#cceeff; width:15%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">474,133</p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; width:47%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Mandatorily Redeemable Financial Instrument</p><p style="text-align:left; padding:0; margin:0"> Valuation (Income) Expense</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">(50,000)</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; width:17%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">(196,000)</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; width:15%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">63,000</p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; background-color:#cceeff; width:47%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Other Expenses</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">24,329</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; background-color:#cceeff; width:17%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">37,757</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; background-color:#cceeff; width:15%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">38,982</p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; width:47%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Total Expenses</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; width:13%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">628,056</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; width:17%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">561,838</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; width:15%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">576,115</p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; background-color:#cceeff; width:47%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Income Before Income Taxes</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,580,656</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; background-color:#cceeff; width:17%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,584,046</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; background-color:#cceeff; width:15%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,446,006</p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; width:47%; padding:0" valign="top"><p style="text-align:left; text-indent:-9pt; padding:0; margin:0">    Income Tax Benefit</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; width:13%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(214,719)</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; width:17%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(258,867)</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; width:15%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(158,795)</p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; background-color:#cceeff; width:47%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Net Income</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,795,375</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; background-color:#cceeff; width:17%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,842,913</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; background-color:#cceeff; width:15%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,604,801</p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; width:47%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Preferred Stock Dividends</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">440,000</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; width:17%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">666,453</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; width:15%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">900,000</p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; background-color:#cceeff; width:47%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Accretion of Preferred Stock to Redemption </p><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">         Value</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; background-color:#cceeff; width:17%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">18,816</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; background-color:#cceeff; width:15%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">72,544  </p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; width:47%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">            Net Income Available to Common Shareholders</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="13%" style="text-align:left; width:13%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,355,375</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="17%" style="text-align:left; width:17%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,157,644</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="15%" style="text-align:left; width:15%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">632,257</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Condensed Statements of Cash Flow Data</p><p style="text-align:left; padding:0; margin:0"> </p><table width="90%" style="text-align:left; width:90%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="47%" style="text-align:left; width:47%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="51%" colspan="5" style="text-align:left; width:51%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">For the Years Ended March 31,</p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; width:47%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="14%" style="text-align:left; width:14%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2012</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; width:17%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2011</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; width:15%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">2010</p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; background-color:#cceeff; width:47%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Operating Activities:</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="14%" style="text-align:left; background-color:#cceeff; width:14%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; background-color:#cceeff; width:17%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; background-color:#cceeff; width:15%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; width:47%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Net Income</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="14%" style="text-align:left; width:14%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,795,375</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="17%" style="text-align:left; width:17%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,842,913</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="15%" style="text-align:left; width:15%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,604,801</p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; background-color:#cceeff; width:47%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Adjustments To Reconcile Net Income To Net Cash Provided By (Used In) Operating Activities:</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="14%" style="text-align:left; background-color:#cceeff; width:14%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; background-color:#cceeff; width:17%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; background-color:#cceeff; width:15%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; width:47%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Equity In Earnings Of Security Federal Bank</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="14%" style="text-align:left; width:14%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(2,095,707)</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; width:17%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(2,029,275)</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; width:15%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(2,004,759)</p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; background-color:#cceeff; width:47%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">            Stock Compensation Expense</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="14%" style="text-align:left; background-color:#cceeff; width:14%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">33,123</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; background-color:#cceeff; width:17%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">34,424</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; background-color:#cceeff; width:15%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">33,124</p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; width:47%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Mandatorily Redeemable Financial Instrument Valuation (Income) Expense</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="14%" style="text-align:left; width:14%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">(50,000)</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; width:17%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">(196,000)</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; width:15%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">63,000</p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; background-color:#cceeff; width:47%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        (Increase) Decrease In Accounts Receivable And Other Assets</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="14%" style="text-align:left; background-color:#cceeff; width:14%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(32,154)</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; background-color:#cceeff; width:17%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">214</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; background-color:#cceeff; width:15%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">194,933</p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; width:47%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Increase (Decrease) In Accounts Payable</p></td><td width="2%" style="text-align:left; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="14%" style="text-align:left; width:14%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(5,633)</p></td><td width="2%" style="text-align:left; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; width:17%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(1,236)</p></td><td width="3%" style="text-align:left; width:3%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; width:15%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">143,154</p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; background-color:#cceeff; width:47%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Net Cash Provided By (Used In) Operating Activities</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="14%" style="text-align:left; background-color:#cceeff; width:14%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(354,996)</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; background-color:#cceeff; width:17%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(348,960)</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; background-color:#cceeff; width:15%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">34,253</p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; width:47%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Investing Activities:</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="14%" style="text-align:left; width:14%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; width:17%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; width:15%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; background-color:#cceeff; width:47%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Decrease (Increase) In Loans Receivable</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="14%" style="text-align:left; background-color:#cceeff; width:14%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,786,294</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; background-color:#cceeff; width:17%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(1,786,294)</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; background-color:#cceeff; width:15%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; width:47%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Additional Investment in Security Federal Bank</p></td><td width="2%" style="text-align:left; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="14%" style="text-align:left; width:14%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; width:17%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(4,000,000)</p></td><td width="3%" style="text-align:left; width:3%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; width:15%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; background-color:#cceeff; width:47%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Net Cash Provided By (Used In) Investing Activities</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="14%" style="text-align:left; background-color:#cceeff; width:14%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,786,294</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; background-color:#cceeff; width:17%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(5,786,294)</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; background-color:#cceeff; width:15%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; width:47%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Financing Activities:</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="14%" style="text-align:left; width:14%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; width:17%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; width:15%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; background-color:#cceeff; width:47%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Employee Stock Purchase Plan Purchases</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="14%" style="text-align:left; background-color:#cceeff; width:14%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; background-color:#cceeff; width:17%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; background-color:#cceeff; width:15%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">19,800</p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; width:47%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Proceeds From Issuance Of Senior Convertible Debentures</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="14%" style="text-align:left; width:14%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; width:17%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; width:15%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">6,084,000</p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; background-color:#cceeff; width:47%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Proceeds From Issuance Of Common Stock</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="14%" style="text-align:left; background-color:#cceeff; width:14%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; background-color:#cceeff; width:17%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">4,829,060</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; background-color:#cceeff; width:15%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; width:47%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Proceeds From Issuance Of Preferred Stock</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="14%" style="text-align:left; width:14%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; width:17%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">22,000,000</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; width:15%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; background-color:#cceeff; width:47%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Redemption Of Preferred Stock</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="14%" style="text-align:left; background-color:#cceeff; width:14%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; background-color:#cceeff; width:17%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(18,000,000)</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; background-color:#cceeff; width:15%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; width:47%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Repayments On Line of Credit</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="14%" style="text-align:left; width:14%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; width:17%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; width:15%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(4,787,330)</p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; background-color:#cceeff; width:47%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Dividends Paid To Shareholders-Preferred Stock</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="14%" style="text-align:left; background-color:#cceeff; width:14%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(440,000)</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; background-color:#cceeff; width:17%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(726,222)</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; background-color:#cceeff; width:15%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(900,000)</p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; width:47%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Dividends Paid To Shareholders-Common Stock</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="14%" style="text-align:left; width:14%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(942,027)</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; width:17%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(858,184)</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; width:15%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(787,550)</p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; background-color:#cceeff; width:47%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Net Cash Provided By (Used In) Financing Activities</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="14%" style="text-align:left; background-color:#cceeff; width:14%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(1,382,027)</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; background-color:#cceeff; width:17%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">7,244,654</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; background-color:#cceeff; width:15%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(371,080)</p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; width:47%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Net Increase (Decrease) In Cash</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="14%" style="text-align:left; width:14%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">49,271</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; width:17%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,109,400</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; width:15%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(336,827)</p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; background-color:#cceeff; width:47%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Cash At Beginning Of Year</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="14%" style="text-align:left; background-color:#cceeff; width:14%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">5,422,037</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="17%" style="text-align:left; background-color:#cceeff; width:17%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">4,312,637</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="15%" style="text-align:left; background-color:#cceeff; width:15%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">4,649,464</p></td></tr><tr style="text-align:left"><td width="47%" style="text-align:left; width:47%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">        Cash At End Of Year</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="14%" style="text-align:left; width:14%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">5,471,308</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="17%" style="text-align:left; width:17%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">5,422,037</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="15%" style="text-align:left; width:15%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">4,312,637</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p>
<!--egx--><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">(23)</font></b></p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><u><font style="text-decoration:underline; font-weight:700">Carrying Amounts and Fair Value of Financial Instruments </font></u></b></p></td></tr></table></div><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Effective April 1, 2008, the Company adopted accounting guidance which defines fair value, establishes a framework for measuring fair value and expands disclosures about fair value under generally accepted accounting principles. This guidance applies to reported balances that are required or permitted to be measured at fair value under existing accounting pronouncements; accordingly, the standard does not require any new fair value measurements of reported balances.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Accounting guidance emphasizes that fair value is a market-based measurement, not an entity-specific measurement. Therefore, a fair value measurement should be determined based on the assumptions that market participants would use in pricing the asset or liability. As a basis for considering market participant assumptions in fair value measurements, the guidance establishes a fair value hierarchy that distinguishes between market participant assumptions based on market data obtained from sources independent of the reporting entity (observable inputs that are classified within Levels 1 and 2 of the hierarchy) and the reporting entity’s own assumptions about market participant assumptions (unobservable inputs classified within Level 3 of the hierarchy).</p><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="95%" style="text-align:left; width:95%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="8%" style="text-align:left; width:8%; padding:0; border-top:solid 1pt black; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">Level 1</font></b></p></td><td width="69%" style="text-align:left; width:69%; padding:0; border-top:solid 1pt black; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0">Valuation is based upon quoted prices (unadjusted) in active markets for identical assets or liabilities that the Company has the ability to access. Level 1 assets and liabilities include debt and equity securities and derivative contracts that are traded in an active exchange market, as well as U.S. Treasuries and money market funds.</p></td></tr><tr style="text-align:left"><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">Level 2</font></b></p></td><td width="69%" style="text-align:left; width:69%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0">Valuation is based upon quoted prices for similar assets and liabilities in active markets, as well as inputs that are observable for the asset or liability (other than quoted prices), such as interest rates, foreign exchange rates, and yield curves that are observable at commonly quoted intervals. Level 2 assets and liabilities include debt securities with quoted prices that are traded less frequently than exchange-traded instruments, mortgage-backed securities, municipal bonds, corporate debt securities and derivative contracts whose value is determined using a pricing model with inputs that are observable in the market or can be derived principally from or corroborated by observable market data. This category generally includes certain derivative contracts and impaired loans.</p></td></tr><tr style="text-align:left"><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">Level 3</font></b></p></td><td width="69%" style="text-align:left; width:69%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0">Valuation is generated from model-based techniques that use at least one significant assumption based on unobservable inputs for the asset or liability, which are typically based on an entity’s own assumptions, as there is little, if any, related market activity. In instances where the determination of the fair value measurement is based on inputs from different levels of the fair value hierarchy, the level in the fair value hierarchy within which the entire fair value measurement falls is based on the lowest level input that is significant to the fair value measurement in its entirety. The assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment, and considers factors specific to the asset or liability.</p></td></tr></table></div><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The following is a description of the valuation methodologies used for assets and liabilities recorded at fair value.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0"><u><font style="text-decoration:underline">Investment Securities Available for Sale</font></u></p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Investment securities available for sale are recorded at fair value on a recurring basis. At March 31, 2012, the Company’s investment portfolio was comprised of government and agency bonds, mortgage-backed securities issued by government agencies or government sponsored enterprises, municipal securities, and one equity investment. The portfolio did not contain any private label mortgage-backed securities. Fair value measurement is based upon prices obtained from third party pricing services who use independent pricing models which rely on a variety of factors including reported trades, broker/dealer quotes, benchmark yields, economic and industry events and other relevant market information. As such, these securities are classified as Level 2.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0"><u><font style="text-decoration:underline">Mortgage Loans Held for Sale</font></u></p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The Company originates fixed rate residential loans on a servicing released basis in the secondary market. Loans closed but not yet settled with Freddie Mac or other investors, are carried in the Company’s loans held for sale portfolio.  These loans are fixed rate residential loans that have been originated in the Company’s name and have closed.  Virtually all of these loans have commitments to be purchased by investors and the majority of these loans were locked in by price with the investors on the same day or shortly thereafter that the loan was locked in with the Company’s customers.  Therefore, these loans present very little market risk for the Company.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The Company usually delivers to, and receives funding from, the investor within 30 days.  Commitments to sell these loans to the investor are considered derivative contracts and are sold to investors on a “best efforts" basis. The Company is not obligated to deliver a loan or pay a penalty if a loan is not delivered to the investor. As a result of the short-term nature of these derivative contracts, the fair value of the mortgage loans held for sale in most cases is the same as the value of the loan amount at its origination<i>. </i>These loans are classified as Level 2.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0"><u><font style="text-decoration:underline">Impaired Loans</font></u></p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The Company does not record loans held for investment at fair value on a recurring basis. However, from time to time, a loan is considered impaired and an allowance for loan losses is established as necessary. Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement are considered impaired. Once a loan is identified as individually impaired, management measures impairment.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Fair value is estimated using one of the following methods: fair value of the collateral less estimated costs to sell, discounted cash flows, or market value of the loan based on similar debt. The fair value of the collateral less estimated costs to sell is the most frequently used method. Typically, the Company reviews the most recent appraisal and if it is over 24 months old will request a new third party appraisal. Depending on the particular circumstances surrounding the loan, including the location of the collateral, the date of the most recent appraisal and the value of the collateral relative to the recorded investment in the loan, management may order an independent appraisal immediately or, in some instances, may elect to perform an internal analysis. Specifically as an example, in situations where the collateral on a nonperforming commercial real estate loan is out of the Company’s primary market area, management would typically order an independent appraisal immediately, at the earlier of the date the loan becomes nonperforming or immediately following the determination that the loan is impaired. However, as a second example, on a nonperforming commercial real estate loan where management is familiar with the property and surrounding areas and where the original appraisal value far exceeds the recorded investment in the loan, management may perform an internal analysis whereby the previous appraisal value would be reviewed and adjusted for current conditions including recent sales of similar properties in the area and any other relevant economic trends. These valuations are reviewed at a minimum on a quarterly basis.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Those impaired loans not requiring an allowance represent loans for which the fair value of the expected repayments or collateral exceed the recorded investments in such loans. At March 31, 2012, substantially all of the total impaired loans were evaluated based on the fair value of the collateral. Impaired loans where an allowance is established based on the fair value of collateral require classification in the fair value hierarchy. The Company records impaired loans as nonrecurring Level 3.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">As of March 31, 2012 and 2011, the recorded investment in impaired loans was $40.8 million and $33.3 million, respectively. The average recorded investment in impaired loans was $34.3 million for year ended March 31, 2012 and $37.2 million for the year ended March 31, 2011.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0"><u><font style="text-decoration:underline">Foreclosed Assets</font></u></p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Foreclosed assets are adjusted to fair value upon transfer of the loans to foreclosed assets. Subsequently, foreclosed assets are carried at the lower of carrying value or fair value. Fair value is based upon independent market prices, appraised values of the collateral or management’s estimation of the value of the collateral. When the fair value of the collateral is based on an observable market price or a current appraised value, the Company records the foreclosed asset as nonrecurring Level 3. When an appraised value is not available or management determines the fair value of the collateral is further impaired below the appraised value and there is no observable market price, the Company records the asset as nonrecurring Level 3.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0"><u><font style="text-decoration:underline">Goodwill and Other Intangible Assets</font></u></p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Goodwill and identified intangible assets are subject to impairment testing. The Company’s approach to testing for impairment is to compare the business unit’s carrying value to the implied fair value based on a multiple of revenue approach. Impairment testing is performed annually as of September 30th or when events or circumstances occur indicating that goodwill of the reporting unit might be impaired.  In the event the fair value is determined to be less than the carrying value, the asset is recorded at fair value as determined by the valuation model. As such, goodwill and other intangible assets subjected to nonrecurring fair value adjustments are classified as Level 3.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0"><u><font style="text-decoration:underline">Mandatorily Redeemable Financial Instrument</font></u></p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The fair value is determined, in accordance with the underlying agreement at the instrument’s redemption value, as the number of shares issuable pursuant to the agreement at a price per share determined as the greater of a) $26 per share or b) 1.5 times the book value per share of the Company. This instrument is classified as Level 2. The mandatorily redeemable financial instrument was redeemed during the quarter ended June 30, 2011.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Assets and liabilities measured at fair value on a recurring basis are as follows as of March 31, 2012:</p><p style="text-align:left; padding:0; margin:0"> </p><table width="90%" style="text-align:left; width:90%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">Assets:</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700"> </font></b></p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center">Quoted Market Price</p><p style="text-align:center; padding:0; margin:0" align="center">In Active Markets</p><p style="text-align:center; padding:0; margin:0" align="center">(Level 1)</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center">Significant Other</p><p style="text-align:center; padding:0; margin:0" align="center">Observable Inputs</p><p style="text-align:center; padding:0; margin:0" align="center">(Level 2)</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center">Significant</p><p style="text-align:center; padding:0; margin:0" align="center">Unobservable Inputs</p><p style="text-align:center; padding:0; margin:0" align="center">(Level 3)</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; background-color:#cceeff; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">FHLB Securities</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"> </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$<b>  </b>-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$                 2,698,894</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$                                -</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">FNMA and FHLMC Bonds</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"> </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">  -</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,921,851</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">  -</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; background-color:#cceeff; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">SBA Bonds</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"> </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">  -</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">86,278,802</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">   -</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Tax Exempt Municipal Bonds</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"> </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">24,125,725</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; background-color:#cceeff; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Mortgage-Backed Securities</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"> </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">    -</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">237,853,835</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">    -</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">Equity Securities</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0"> </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">    -</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">75,750</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">    -</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; background-color:#cceeff; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Total</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"> </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$  -</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$             353,954,857</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$                                -</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">There were no liabilities measured at fair value on a recurring basis as of March 31, 2012. Assets and liabilities measured at fair value on a recurring basis are as follows as of March 31, 2011:</p><p style="text-align:left; padding:0; margin:0"> </p><table width="90%" style="text-align:left; width:90%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:left; padding:0; margin:0">Assets:</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center">Quoted Market Price</p><p style="text-align:center; padding:0; margin:0" align="center">In Active Markets</p><p style="text-align:center; padding:0; margin:0" align="center">(Level 1)</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"> </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"> </p><p style="text-align:center; padding:0; margin:0" align="center">Significant Other</p><p style="text-align:center; padding:0; margin:0" align="center">Observable Inputs</p><p style="text-align:center; padding:0; margin:0" align="center">(Level 2)</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center">Significant</p><p style="text-align:center; padding:0; margin:0" align="center">Unobservable</p><p style="text-align:center; padding:0; margin:0" align="center">Inputs</p><p style="text-align:center; padding:0; margin:0" align="center">(Level 3)</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; background-color:#cceeff; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">FHLB Securities</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">14,209,332</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Federal Farm Credit Securities</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">    -</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,006,600</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">    -</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; background-color:#cceeff; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">FNMA And FHLMC Bonds</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">11,660,990</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">SBA Bonds</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">64,709,832</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> -</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; background-color:#cceeff; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Taxable Municipal Securities</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">4,471,650</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Tax Exempt Municipal Securities</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,034,943</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; background-color:#cceeff; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Mortgage-Backed Securities</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">    -</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">240,080,693</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">    -</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">Equity Securities</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">    -</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">78,750</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">    -</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; background-color:#cceeff; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Total</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">339,252,790</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Liabilities:</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; background-color:#cceeff; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Mandatorily Redeemable Financial</p><p style="text-align:left; padding:0; margin:0">   Instrument</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">1,467,312</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">-</p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Total</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> -</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,467,312</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The Company may be required, from time to time, to measure certain assets at fair value on a nonrecurring basis. These include assets that are measured at the lower of cost or market that were recognized at fair value below cost at the end of the period. The table below presents assets and liabilities measured at fair value on a nonrecurring basis as of March 31, 2012 and 2011, aggregated by the level in the fair value hierarchy within which those measurements fall. Other intangible assets are measured on a non-recurring basis at least annually.  Specifically, the valuation of goodwill is performed each year at September 30.</p><p style="text-align:left; padding:0; margin:0"> </p><table width="95%" style="text-align:left; width:95%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="22%" style="text-align:left; width:22%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">Assets:</font></b></p></td><td width="13%" style="text-align:left; width:13%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Level 1</p></td><td width="13%" style="text-align:left; width:13%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Level 2</p></td><td width="13%" style="text-align:left; width:13%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Level 3</p></td><td width="16%" style="text-align:left; width:16%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Balance At</p><p style="text-align:center; padding:0; margin:0" align="center">March 31, 2012</p></td></tr><tr style="text-align:left"><td width="22%" style="text-align:left; background-color:#cceeff; width:22%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Goodwill</p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0" valign="top"><p style="text-align:right; text-indent:-27pt; padding:0; margin:0" align="right">$                      -</p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$                      -</p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$         1,199,754</p></td><td width="16%" style="text-align:left; background-color:#cceeff; width:16%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$               1,199,754</p></td></tr><tr style="text-align:left"><td width="22%" style="text-align:left; width:22%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Mortgage Loans Held For Sale</p></td><td width="13%" style="text-align:left; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="13%" style="text-align:left; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,671,771</p></td><td width="13%" style="text-align:left; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="16%" style="text-align:left; width:16%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,671,771</p></td></tr><tr style="text-align:left"><td width="22%" style="text-align:left; background-color:#cceeff; width:22%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Impaired Loans (1)</p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">39,160,338</p></td><td width="16%" style="text-align:left; background-color:#cceeff; width:16%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">39,160,338</p></td></tr><tr style="text-align:left"><td width="22%" style="text-align:left; width:22%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Foreclosed Assets</p></td><td width="13%" style="text-align:left; width:13%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="13%" style="text-align:left; width:13%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="13%" style="text-align:left; width:13%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">14,160,099</p></td><td width="16%" style="text-align:left; width:16%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">14,160,099</p></td></tr><tr style="text-align:left"><td width="22%" style="text-align:left; background-color:#cceeff; width:22%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Total</p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$                      -</p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$        2,671,771</p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$     54,520,191</p></td><td width="16%" style="text-align:left; background-color:#cceeff; width:16%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$            57,191,962</p></td></tr><tr style="text-align:left"><td width="22%" style="text-align:left; width:22%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; width:13%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; width:13%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; width:13%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="16%" style="text-align:left; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr></table><p style="text-align:left; padding:0; margin:0">    (1) IMPAIRED LOANS ARE REPORTED NET OF SPECIFIC RESERVES OF $1,636,848.</p><p style="text-align:left; padding:0; margin:0"> </p><table width="95%" style="text-align:left; width:95%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="22%" style="text-align:left; width:22%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">Assets:</font></b></p></td><td width="13%" style="text-align:left; width:13%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Level 1</p></td><td width="13%" style="text-align:left; width:13%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Level 2</p></td><td width="13%" style="text-align:left; width:13%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Level 3</p></td><td width="16%" style="text-align:left; width:16%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Balance At</p><p style="text-align:center; padding:0; margin:0" align="center">March 31, 2011</p></td></tr><tr style="text-align:left"><td width="22%" style="text-align:left; background-color:#cceeff; width:22%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Goodwill</p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0" valign="top"><p style="text-align:right; text-indent:-27pt; padding:0; margin:0" align="right">$                      -</p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$                      -</p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$         1,199,754</p></td><td width="16%" style="text-align:left; background-color:#cceeff; width:16%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$               1,199,754</p></td></tr><tr style="text-align:left"><td width="22%" style="text-align:left; width:22%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Mortgage Loans Held For Sale</p></td><td width="13%" style="text-align:left; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="13%" style="text-align:left; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">5,166,234</p></td><td width="13%" style="text-align:left; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="16%" style="text-align:left; width:16%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">5,166,234</p></td></tr><tr style="text-align:left"><td width="22%" style="text-align:left; background-color:#cceeff; width:22%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Impaired Loans (1)</p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">32,525,192</p></td><td width="16%" style="text-align:left; background-color:#cceeff; width:16%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">32,525,192</p></td></tr><tr style="text-align:left"><td width="22%" style="text-align:left; width:22%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Foreclosed Assets</p></td><td width="13%" style="text-align:left; width:13%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="13%" style="text-align:left; width:13%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="13%" style="text-align:left; width:13%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">14,433,853</p></td><td width="16%" style="text-align:left; width:16%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">14,433,853</p></td></tr><tr style="text-align:left"><td width="22%" style="text-align:left; background-color:#cceeff; width:22%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Total</p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$                      -</p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$        5,166,234</p></td><td width="13%" style="text-align:left; background-color:#cceeff; width:13%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$       48,158,799</p></td><td width="16%" style="text-align:left; background-color:#cceeff; width:16%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">$            53,325,033</p></td></tr><tr style="text-align:left"><td width="22%" style="text-align:left; width:22%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; width:13%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; width:13%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="13%" style="text-align:left; width:13%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="16%" style="text-align:left; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr></table><p style="text-align:left; padding:0; margin:0">     (1) IMPAIRED LOANS ARE REPORTED NET OF SPECIFIC RESERVES OF $772,476.</p><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">For assets and liabilities that are not presented on the balance sheet at fair value, the following methods are used to determine the fair value:</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Cash and cash equivalents—The carrying amount of these financial instruments approximates fair value. All mature within 90 days and do not present unanticipated credit concerns.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Certificates of deposits with other banks—Fair value is based on market prices for similar assets.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Investment securities held to maturity—Securities held to maturity are valued at quoted market prices or dealer quotes.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Loans—The fair value of loans are estimated by discounting the future cash flows using the current rates at which similar loans would be made to borrowers with similar credit ratings and for the same remaining maturities. As discount rates are based on current loan rates as well as management estimates, the fair values presented may not be indicative of the value negotiated in an actual sale.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">FHLB Stock—The fair value approximates the carrying value.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Deposits—The fair value of demand deposits, savings accounts, and money market accounts is the amount payable on demand at the reporting date. The fair value of fixed-maturity certificates of deposits is estimated by discounting the future cash flows using rates currently offered for deposits of similar remaining maturities.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Federal Home Loan Bank Advances—Fair value is estimated based on discounted cash flows using current market rates for borrowings with similar terms.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Other Borrowed Money—The carrying value of these short term borrowings approximates fair value.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Senior Convertible Debentures— The fair value is estimated by discounting the future cash flows using the current rates at which similar debenture offerings with similar terms and maturities would be issued by similar institutions. As discount rates are based on current debenture rates as well as management estimates, the fair values presented may not be indicative of the value negotiated in an actual sale.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Junior Subordinated Debentures—The carrying value of junior subordinated debentures approximates fair value.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">The following table is a summary of the carrying value and estimated fair value of the Company’s financial instruments as of March 31, 2012 and 2011 presented in accordance with the applicable accounting guidance.</p><p style="text-align:left; padding:0; margin:0"> </p><table width="95%" style="text-align:left; width:95%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="41%" style="text-align:left; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="38%" colspan="7" style="text-align:left; width:38%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="18%" colspan="3" style="text-align:left; width:18%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">March 31, 2012</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="18%" colspan="3" style="text-align:left; width:18%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">March 31, 2011</p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Carrying </p><p style="text-align:center; padding:0; margin:0" align="center">Amount</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Estimated </p><p style="text-align:center; padding:0; margin:0" align="center">Fair Value</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Carrying </p><p style="text-align:center; padding:0; margin:0" align="center">Amount</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Estimated </p><p style="text-align:center; padding:0; margin:0" align="center">Fair Value</p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="38%" colspan="7" style="text-align:left; width:38%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">(In Thousands)</p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; background-color:#cceeff; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Financial Assets:</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Cash And Cash Equivalents</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">9,331</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">9,331</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">7,836</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">7,836</p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; background-color:#cceeff; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Certificates of Deposits With Other Banks</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,727</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,727</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">100</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">101</p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Investment And Mortgage-Backed Securities</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">421,631</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">423,921</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">372,418</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">373,376</p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; background-color:#cceeff; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Loans Receivable, Net</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">428,511</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"> </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">427,212</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">484,471</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">482,834</p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"> </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"> </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"> </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"> </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"> </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; background-color:#cceeff; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">FHLB Stock</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">8,471</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">8,471</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">11,267</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">11,267</p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; background-color:#cceeff; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Financial Liabilities:</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Deposits:</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; background-color:#cceeff; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">   Checking, Savings, And Money Market Accounts</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">371,295</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">371,295</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">332,220</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">332,220</p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">   Certificate Accounts</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">324,906</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">327,117</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">358,137</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">361,110</p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; background-color:#cceeff; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Advances From FHLB</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">122,070</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">131,679</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">138,136</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">147,207</p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Other Borrowed Money</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">9,801</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">9,801</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">11,195</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">11,195</p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; background-color:#cceeff; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Senior Convertible Debentures</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">6,084</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">6,084</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">6,084</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">6,084</p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Junior Subordinated Debentures</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">5,155</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">5,155</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">5,155</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">5,155</p></td></tr><tr style="text-align:left"><td width="41%" style="text-align:left; background-color:#cceeff; width:41%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">At March 31, 2012, the Bank had $33.8 million of off-balance sheet financial commitments.  These commitments are to originate loans and unused consumer lines of credit and credit card lines.  Because these obligations are based on current market rates, if funded, the original principal is considered to be a reasonable estimate of fair value.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Fair value estimates are made on a specific date, based on relevant market data and information about the financial instrument.  These estimates do not reflect any premium or discount that could result from offering for sale the Bank’s entire holdings of a particular financial instrument.  Because no active market exists for a significant portion of the Bank’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, current interest rates and prepayment trends, risk characteristics of various financial instruments, and other factors.  These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision.  Changes in any of these assumptions used in calculating fair value would also significantly affect the estimates. Fair value estimates are based on existing on- and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments.  For example, the Bank has significant assets and liabilities that are not considered financial assets or liabilities including deposit franchise values, loan servicing portfolios, deferred tax liabilities, and premises and equipment.</p><p style="text-align:justify; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in any of these estimates. The Company has used management’s best estimate of fair value on the above assumptions.  Thus, the fair values presented may not be the amounts, which could be realized, in an immediate sale or settlement of the instrument.  In addition, any income taxes or other expenses that would be incurred in an actual sale or settlement are not taken into consideration in the fair value presented.</p><p style="text-align:left; padding:0; margin:0"> </p>
<!--egx--><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">(24)</font></b></p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><u><font style="text-decoration:underline; font-weight:700">Quarterly Financial Data (Unaudited) </font></u></b></p></td></tr></table></div><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Unaudited condensed financial data by quarter for fiscal years 2012 and 2011 is as follows (dollars, except per share data, in thousands):</p><p style="text-align:left; padding:0; margin:0"> </p><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="31%" style="text-align:left; width:31%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="50%" colspan="7" style="text-align:left; width:50%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Quarter ended</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; width:31%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">2011-2012</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">June 30, 2011</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Sept. 30, 2011</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Dec. 31, 2011</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Mar. 31, 2012</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; width:31%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; background-color:#cceeff; width:31%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Interest Income</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">10,230</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">9,880</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">9,467</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">8,952</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; width:31%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Interest Expense</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">3,349</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">3,260</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,974</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,814</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; background-color:#cceeff; width:31%; padding:0" valign="top"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">Net Interest Income</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">6,881</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">6,620</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">6,493</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">6,138</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; width:31%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">Provision For Loan Losses</p></td><td width="2%" style="text-align:left; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,300</p></td><td width="2%" style="text-align:left; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,300</p></td><td width="2%" style="text-align:left; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,100</p></td><td width="2%" style="text-align:left; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,950</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; background-color:#cceeff; width:31%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Net Interest Income After Provision For Loan Losses</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">4,581</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">4,320</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">4,393</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">4,188</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; width:31%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Non-interest Income</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,271</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,492</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,563</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,614</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; background-color:#cceeff; width:31%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Non-interest Expense</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">5,160</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">5,197</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">5,235</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">5,125</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; width:31%; padding:0" valign="top"><p style="text-align:left; text-indent:0.25in; padding:0; margin:0">Income Before Income Tax</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">692</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">615</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,721</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">677</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; background-color:#cceeff; width:31%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Provision For Income taxes</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">231</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">197</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,235</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">247</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; width:31%; padding:0" valign="top"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">Net Income</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">461</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">418</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">486</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">430</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; background-color:#cceeff; width:31%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">Preferred Stock Dividends</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">110</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">110</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">110</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">110</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; width:31%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Net Income Available To Common Shareholders</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">351</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">308</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">376</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">320</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; background-color:#cceeff; width:31%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Basic Net Income Per Common Share</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">0.12</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">0.10</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">0.13</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">0.11</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; width:31%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Diluted Net Income Per Common Share</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">0.12</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">0.10</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">0.13</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">0.11</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; background-color:#cceeff; width:31%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Basic Weighted Average Shares Outstanding</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2,944,001</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2,944,001</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2,944,001</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2,944,001</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; width:31%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Diluted Weighted Average Shares Outstanding</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2,944,001</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2,944,001</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2,944,001</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2,944,001</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="31%" style="text-align:left; width:31%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="50%" colspan="7" style="text-align:left; width:50%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:center; padding:0; margin:0" align="center">Quarter ended</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; width:31%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">2010-2011</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">June 30, 2010</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Sept. 30, 2010</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Dec. 31, 2010</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center">Mar. 31, 2011</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; width:31%; padding:0" valign="top"></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; background-color:#cceeff; width:31%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Interest Income</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">11,351</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">11,031</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">10,559</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">10,801</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; width:31%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Interest Expense</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">4,427</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">4,322</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">3,881</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">3,465</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; background-color:#cceeff; width:31%; padding:0" valign="top"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">Net Interest Income</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">6,924</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">6,709</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">6,678</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">7,336</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; width:31%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">Provision For Loan Losses</p></td><td width="2%" style="text-align:left; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,900</p></td><td width="2%" style="text-align:left; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,150</p></td><td width="2%" style="text-align:left; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,900</p></td><td width="2%" style="text-align:left; width:2%; padding:0 0 1pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,850</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; background-color:#cceeff; width:31%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Net Interest Income After Provision For Loan Losses</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">5,024</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">4,559</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">4,778</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">5,486</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; width:31%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Non-interest Income</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,378</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,953</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,744</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">1,576</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; background-color:#cceeff; width:31%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Non-interest Expense</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">5,539</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">5,758</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">5,838</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">6,563</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; width:31%; padding:0" valign="top"><p style="text-align:left; text-indent:0.25in; padding:0; margin:0">Income Before Income Tax</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">863</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">755</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">684</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">499</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; background-color:#cceeff; width:31%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Provision For Income taxes</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">322</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">298</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">230</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">108</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; width:31%; padding:0" valign="top"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">Net Income</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">541</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">457</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">454</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">391</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; background-color:#cceeff; width:31%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Preferred Stock Dividends</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">225</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">221</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">110</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">110</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; width:31%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Accretion Of Preferred Stock To Redemption Value</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">19</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:solid 1pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right"> </p><p style="text-align:right; padding:0; margin:0" align="right">-</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; background-color:#cceeff; width:31%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Net Income Available To Common Shareholders</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">297</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">236</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">344</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">281</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; width:31%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Basic Net Income Per Common Share</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">0.12</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">0.10</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">0.12</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">0.10</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; background-color:#cceeff; width:31%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Diluted Net Income Per Common Share</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">0.12</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">0.09</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">0.12</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">0.09</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; width:31%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Basic Weighted Average Shares Outstanding</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; width:12%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,461,095</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,469,791</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,869,205</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,944,001</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; background-color:#cceeff; width:31%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Diluted Weighted Average Shares Outstanding</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,559,475</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,550,097</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2,931,633</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">  </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">3,017,521</p></td></tr></table><p style="text-align:left; padding:0; margin:0"> </p>
<!--egx--><p style="text-align:left; padding:0; margin:0"> </p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:27pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">(25)</font></b></p></td><td style="text-align:left; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><u><font style="text-decoration:underline; font-weight:700">Subsequent Events </font></u></b></p></td></tr></table></div><p style="text-align:left; padding:0; margin:0"> </p><p style="text-align:justify; padding:0; margin:0">Subsequent events are events or transactions that occur after the balance sheet date but before financial statements are issued. Recognized subsequent events are events or transactions that provide additional evidence about conditions that existed at the date of the balance sheet, including estimates inherent in the process of preparing financial statements. Nonrecognized subsequent events are events that provide evidence about conditions that did not exist at the date of the balance sheet but arose after that date. Management has reviewed all events occurring through the date the financial statements were available to be issued and no subsequent events occurred requiring accrual or disclosure.</p><p style="text-align:left; padding:0; margin:0"> </p>
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See Notes 5 and 19.