Consolidated Statements Of Operations (USD $)	3 Months Ended
	Sep. 30, 2011	Sep. 30, 2010
Interest and dividends income
Loans	$ 7,104,267	$ 8,132,310
Mortgage-backed securities	49,721	461,328
Federal Home Loan Bank stock dividends	127,760	143,730
Securities	24,217	95,403
Fed funds sold and interest-bearing deposits	92,498	20,326
Total interest and dividends income	7,398,463	8,853,097
Interest expense
Deposits	1,949,047	2,666,458
Long-term borrowings	272,440	911,069
Total interest expense	2,221,487	3,577,527
Net interest income	5,176,976	5,275,570
Provision for loan losses	1,500,000	2,800,000
Net interest income after provision for loan losses	3,676,976	2,475,570
Non-interest income
Service charges and other fees	178,818	172,466
Gain on sale of mortgage loans	1,827,435	3,747,992
Income (loss) from mortgage servicing fees	(817,270)	(1,333,697)
Gain on sale of SBA loans	221,218
Increase in cash surrender value of bank-owned life insurance	62,699	75,367
Gain (loss) on real estate owned	140,112	(165,576)
Provision for real estate owned losses	(69,400)	(246,000)
Other, net	127,507	238,203
Total non-interest income	1,671,119	2,488,755
Non-interest expense
Compensation and benefits	2,894,698	2,435,991
Office occupancy and equipment	598,910	706,973
FDIC Insurance	428,699	606,277
Professional and legal	115,000	119,903
Outside services	495,667	417,283
Maintenance contracts	196,334	133,542
Franchise tax	225,428	181,524
Real estate owned and collection expense	613,859	736,565
Other	625,275	589,873
Total non-interest expense	6,193,870	5,927,931
Income (loss) before federal income taxes	(845,775)	(963,606)
Federal income tax provision (benefit)	(25,178)	(345,192)
Net income (loss)	$ (820,597)	$ (618,414)
Basic earnings (loss) per share	$ (0.03)	$ (0.02)
Diluted earnings (loss) per share	$ (0.03)	$ (0.02)
Dividend declared per common share