LOAN COMMITMENTS AND OTHER RELATED ACTIVITIES (Tables)

12 Months Ended

Jun. 30, 2012

Commitments to Originate Loans Intended to be Held in Portfolio

At June 30, 2012 and 2011, the Bank had the following commitments to originate loans intended to be held in the portfolio:

	2012		2011
Commitments to fund variable-rate mortgage loans	$	743,250	$	1,975,000
Commitments to fund equity lines of credit		51,691,583		66,125,716
Undisbursed portion of loan proceeds		849,345		6,045,499
Standby letters of credit		762,700		1,011,000