Consolidated Statements Of Operations (USD $)	3 Months Ended		6 Months Ended
	Dec. 31, 2011	Dec. 31, 2010	Dec. 31, 2011	Dec. 31, 2010
Interest and dividends income
Loans	$ 7,183,747	$ 7,656,063	$ 14,288,014	$ 15,788,373
Mortgage-backed securities	65,918	466,463	115,639	927,791
Federal Home Loan Bank stock dividends	129,164	129,164	256,924	272,894
Securities	14,125	45,519	38,342	140,922
Federal funds sold and interest-bearing deposits	88,388	60,790	180,886	81,116
Total interest and dividends income	7,481,342	8,357,999	14,879,805	17,211,096
Interest expense
Deposits	1,783,133	2,346,834	3,732,180	5,013,292
Long-term borrowings	272,180	903,883	544,620	1,814,952
Total interest expense	2,055,313	3,250,717	4,276,800	6,828,244
Net interest income	5,426,029	5,107,282	10,603,005	10,382,852
Provision for loan losses	1,966,000	4,500,000	3,466,000	7,300,000
Net interest income after provision for loan losses	3,460,029	607,282	7,137,005	3,082,852
Non-interest income
Service charges and other fees	205,860	188,229	384,678	360,695
Gain on sale of mortgage loans	2,129,177	2,517,991	3,956,613	6,265,984
Income (loss) from mortgage servicing fees	(322,155)	42,219	(1,139,426)	(1,291,478)
Gain on sale of SBA loans			221,218
Increase in cash surrender value of bank-owned life insurance	56,288	68,255	118,987	143,622
Gain (loss) on real estate owned	(384,069)	(57,554)	(243,957)	(223,130)
Provision for real estate owned losses	(805,423)	(479,310)	(874,823)	(725,310)
Other, net	246,463	329,525	373,970	567,728
Total non-interest income	1,126,141	2,609,355	2,797,260	5,098,111
Non-interest expense
Compensation and benefits	2,732,389	2,450,454	5,627,087	4,886,445
Office occupancy and equipment	564,384	653,673	1,163,294	1,360,646
FDIC Insurance	426,732	621,407	855,431	1,227,684
Professional and legal	130,000	128,579	245,000	248,482
Outside services	617,404	508,741	1,113,071	926,024
Maintenance contracts	222,523	201,968	418,857	335,510
Franchise tax	225,427	181,524	450,855	363,048
Real estate owned and collection expense	783,512	622,744	1,397,371	1,359,309
Other	640,958	604,650	1,266,233	1,194,523
Total non-interest expense	6,343,329	5,973,740	12,537,199	11,901,671
Income (loss) before federal income taxes	(1,757,159)	(2,757,103)	(2,602,934)	(3,720,708)
Federal income tax provision (benefit)		952,825	(25,178)	607,633
Net income (loss)	$ (1,757,159)	$ (3,709,928)	$ (2,577,756)	$ (4,328,341)
Basic earnings (loss) per share	$ (0.07)	$ (0.14)	$ (0.10)	$ (0.17)
Diluted earnings (loss) per share	$ (0.07)	$ (0.14)	$ (0.10)	$ (0.17)
Dividend declared per common share