CONSOLIDATED BALANCE SHEET (USD $) In Thousands	Sep. 30, 2011	Jun. 30, 2011
Assets
Cash and due from banks	$ 4,594	$ 662
Interest-earning demand deposits	1,845	1,298
Total cash and cash equivalents	6,439	1,960
Certificates of deposit	3,331	3,668
Investment securities available-for-sale (amortized cost of $22,519 and $1,067)	22,387	1,064
Investment securities held-to-maturity (fair value of $58,466 and $90,974)	56,179	88,374
Mortgage-backed securities held-to-maturity (fair value of $73,077 and $71,169)	72,862	70,568
Net loans receivable (allowance for loan losses of $471 and $630)	48,026	49,952
Accrued interest receivable	1,177	1,189
Federal Home Loan Bank stock, at cost	8,858	9,324
Real estate owned	417	235
Premises and equipment	582	588
Prepaid FDIC insurance premium	402	456
Deferred tax assets (net)	1,263	1,298
Other assets	294	212
TOTAL ASSETS	222,217	228,888
Deposits:
Non-interest-bearing accounts	23,209	13,324
NOW accounts	18,263	19,818
Savings accounts	38,073	37,922
Money market accounts	23,640	23,824
Certificates of deposit	43,286	48,226
Advance payments by borrowers for taxes and insurance	224	652
Total savings deposits	146,695	143,766
Federal Home Loan Bank advances: long-term	17,500	22,500
Federal Home Loan Bank advances: short-term	27,890	32,059
Accrued interest payable	300	322
Other liabilities	749	1,363
TOTAL LIABILITIES	193,134	200,010
Stockholders' equity:
Preferred stock: 5,000,000 shares, no par value per share, authorized; none Issued
Common stock: 10,000,000 shares, $.01 par value per share, authorized; 3,805,636 and 3,805,636 shares issued	38	38
Additional paid-in capital	21,443	21,437
Treasury stock: 1,747,706 and 1,747,706 shares at cost, respectively	(26,690)	(26,690)
Retained earnings, substantially restricted	36,248	35,920
Accumulated other comprehensive loss	(1,956)	(1,827)
TOTAL STOCKHOLDERS' EQUITY	29,083	28,878
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 222,217	$ 228,888