DEPOSITS (Tables)

12 Months Ended

Jun. 30, 2012

Maturities of Time Deposits

Scheduled maturities of time deposits were as follows:

	2012					2011
	Amount		%			Amount		%
12 months or less	$	293,579,515		76.3	%	$	387,751,183		92.3	%
13 to 24 months		53,750,152		14.0			22,973,538		5.4
25 to 36 months		14,845,083		3.9			4,433,641		1.1
Over 36 months months		22,392,207		5.8			4,876,668		1.2
	$	384,566,957		100.0	%	$	420,035,030		100.0	%
Weighted average rate on certificate of deposits				1.24	%				1.68	%