CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (USD $)	Jun. 30, 2012	Jun. 30, 2011
ASSETS
Cash and amounts due from financial institutions	$ 5,840,608	$ 19,138,325
Interest-bearing deposits	114,269,532	130,153,080
Total cash and cash equivalents	120,110,140	149,291,405
Securities available for sale	23,271,082	8,946,674
Mortgage-backed securities available for sale	15,386,962	4,972,121
Loans receivable held for sale, net	25,062,786	9,392,389
Loans receivable, net of allowance of $16,052,865 and $29,996,893	541,627,515	547,282,037
Office properties and equipment, net	7,237,165	7,556,764
Real estate owned, net	7,733,578	7,972,753
Federal Home Loan Bank stock	12,811,100	12,811,100
Bank-owned life insurance	23,648,663	23,420,089
Prepaid expenses and other assets	14,560,882	15,409,502
Total assets	791,449,873	787,054,834
Liabilities
Non-interest bearing deposits	51,786,588	32,133,869
Interest bearing deposits	604,192,552	620,437,966
Total deposits	655,979,140	652,571,835
Note payable	1,046,111	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	4,469,292	11,212,923
Accrued expenses and other liabilities	24,224,709	15,835,317
Total liabilities	720,719,252	715,772,853
Commitments and contingent liabilities (Note 12)
Stockholders' equity
Serial preferred stock, none issued
Common stock, $.01 par value, 65,000,000 shares authorized; 26,217,796 and 26,142,443 shares issued, respectively	262,178	261,424
Additional paid-in capital	100,897,561	100,543,717
Retained earnings (accumulated deficit)	(26,119,855)	(24,788,778)
Accumulated other comprehensive income (loss)	(472,116)	(897,235)
Treasury stock at cost, 472,725 shares	(3,837,147)	(3,837,147)
Total stockholders' equity	70,730,621	71,281,981
Total liabilities and stockholders' equity	$ 791,449,873	$ 787,054,834