Consolidated Statements Of Financial Condition (USD $)	Dec. 31, 2011	Jun. 30, 2011
ASSETS
Cash and amounts due from depository institutions	$ 21,695,112	$ 19,138,325
Interest-bearing deposits	124,154,861	130,153,080
Federal funds sold	6,000,000
Total cash and cash equivalents	151,849,973	149,291,405
Securities available for sale	5,017,200	8,946,674
Mortgage-backed securities available for sale	17,578,398	4,972,121
Loans receivable held for sale, net	8,221,445	9,392,389
Loans receivable, net of allowance of $17,515,155 and $29,996,893, respectively	546,520,657	547,282,037
Office properties and equipment, net	7,386,232	7,556,764
Other real estate owned, net	9,994,583	7,972,753
Federal Home Loan Bank stock	12,811,100	12,811,100
Bank-owned life insurance	23,539,076	23,420,089
Prepaid expenses and other assets	11,904,765	15,409,502
Total assets	794,823,429	787,054,834
LIABILITIES AND STOCKHOLDERS' EQUITY
Non-interest bearing deposits	34,574,197	28,947,373
Interest-bearing deposits	624,057,320	623,624,462
Total deposits	658,631,517	652,571,835
Note payable	1,099,445	1,152,778
Long-term advances from the Federal Home Loan Bank	35,000,000	35,000,000
Advances from borrowers for taxes and insurance	13,986,017	11,212,923
Accrued expenses and other liabilities	17,157,021	15,835,317
Total liabilities	725,874,000	715,772,853
Stockholders' equity
Serial preferred stock, none issued
Common stock, $.01 par value, 65,000,000 shares authorized; 26,142,443 shares issued	261,424	261,424
Additional paid-in capital	100,664,015	100,543,717
Accumulated deficit	(27,366,533)	(24,788,778)
Accumulated other comprehensive loss	(772,330)	(897,235)
Treasury stock at cost, 472,725 shares	(3,837,147)	(3,837,147)
Total stockholders' equity	68,949,429	71,281,981
Total liabilities and stockholders' equity	$ 794,823,429	$ 787,054,834