CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Jun. 30, 2015	Sep. 30, 2014
ASSETS
Cash and due from banks	$ 7,963	$ 8,853
Interest-bearing deposits with banks	13,428	11,477
Total cash and cash equivalents	21,391	20,330
Interest-bearing time deposits	2,235	1,500
Trading account securities, at fair value	8,770	5,319
Securities available for sale, at fair value	180,087	184,697
Securities held to maturity	4,941	5,419
Loans held for sale	306	281
Loans, net	447,665	433,876
Federal Reserve Bank and Federal Home Loan Bank stock, at cost	6,647	6,517
Real estate development and construction	7,129	7,202
Premises and equipment	13,948	14,275
Other real estate owned, held for sale	558	953
Accrued interest receivable:
Loans	1,263	1,276
Securities	1,561	1,235
Cash surrender value of life insurance	17,652	18,021
Goodwill	7,936	7,936
Core deposit intangibles	1,467	1,725
Other assets	7,369	2,567
Total Assets	730,925	713,129
Deposits:
Noninterest-bearing	67,479	56,092
Interest-bearing	461,476	477,102
Total deposits	528,955	533,194
Repurchase agreements	1,341	1,338
Borrowings from Federal Home Loan Bank	94,626	79,548
Other long-term debt	4,678	4,812
Accrued interest payable	179	175
Advance payments by borrowers for taxes and insurance	641	748
Accrued expenses and other liabilities	8,551	6,234
Total Liabilities	638,971	626,049
STOCKHOLDERS' EQUITY
Common stock of $.01 par value per share Authorized 20,000,000 shares; issued 2,542,042 shares; outstanding 2,183,510 shares (2,171,812 shares at September 30, 2014)	25	25
Retained earnings - substantially restricted	51,235	47,175
Accumulated other comprehensive income	3,460	3,853
Unearned ESOP shares	(239)	(537)
Unearned stock compensation	0	(162)
Less treasury stock, at cost - 358,532 shares (370,230 shares at September 30, 2014)	(6,357)	(6,473)
Total Stockholders' Equity	91,954	87,080
Total Liabilities and Stockholders' Equity	730,925	713,129
Preferred Stock
STOCKHOLDERS' EQUITY
Preferred stock	0	0
Additional paid-in capital	17,120	17,120
Senior Non-Cumulative Perpetual Preferred Stock, Series A
STOCKHOLDERS' EQUITY
Preferred stock	0	0
Common Stock
STOCKHOLDERS' EQUITY
Additional paid-in capital	$ 26,710	$ 26,079