REGULATORY MATTERS (Tables)

3 Months Ended

Sep. 30, 2012

Schedule of Compliance with Regulatory Capital Requirements Under Banking Regulations

At September 30, 2012, the Bank was in compliance with regulatory capital requirements as set forth below (dollars in thousands):

											To Be Well
						Required					Capitalized Under					Required Under
						For Capital					Prompt Corrective					Regulatory
	Actual					Adequacy Purposes					Action Regulations					Bank Order
	Amount		Ratio			Amount		Ratio			Amount		Ratio			Amount		Ratio
September 30, 2012
Total Capital to risk weighted assets	$	79,587		13.34	%	$	47,765		8.00	%	$	59,706		10.00	%		N/A		N/A
Tier 1 (Core) Capital to risk weighted assets		72,017		12.06	%		23,882		4.00	%		35,824		6.00	%		N/A		N/A
Tier 1 (Core) Capital to adjusted total assets		72,017		9.16	%		31,454		4.00	%		39,318		5.00	%		N/A		N/A
Tangible Capital to adjusted total assets		72,017		9.16	%		11,795		1.50	%		N/A		N/A			N/A		N/A

At June 30, 2012, the Bank was in compliance with regulatory capital requirements as set forth below (dollars in thousands):

											To Be Well
						Required					Capitalized Under					Required Under
						For Capital					Prompt Corrective					Regulatory
	Actual					Adequacy Purposes					Action Regulations					Bank Order
	Amount		Ratio			Amount		Ratio			Amount		Ratio			Amount		Ratio
June 30, 2012
Total Capital to risk weighted assets	$	77,932		13.10	%	$	47,605		8.00	%	$	59,506		10.00	%	$	71,407		12.00	%
Tier 1 (Core) Capital to risk weighted assets		70,387		11.83	%		23,802		4.00	%		35,704		6.00	%		N/A		N/A
Tier 1 (Core) Capital to adjusted total assets		70,387		8.74	%		32,224		4.00	%		40,280		5.00	%		64,448		8.00	%
Tangible Capital to adjusted total assets		70,387		8.74	%		12,084		1.50	%		N/A		N/A			N/A		N/A