Consolidated Statements of Financial Condition (USD $)	Jun. 30, 2013	Jun. 30, 2012
ASSETS
Cash and amounts due from financial institutions	$ 22,759,665	$ 5,840,608
Interest-bearing deposits	77,825,249	114,269,532
Total cash and cash equivalents	100,584,914	120,110,140
Securities available for sale	49,150,539	38,658,044
Loans receivable held for sale, net	28,835,018	25,062,786
Loans receivable, net of allowance of $13,926,341 and $16,052,865	535,818,400	541,627,515
Office properties and equipment, net	6,951,229	7,237,165
Real estate owned, net	6,920,247	7,733,578
Federal Home Loan Bank stock	12,811,100	12,811,100
Bank-owned life insurance	23,803,877	23,648,663
Prepaid expenses and other assets	13,056,776	14,560,882
Total assets	777,932,100	791,449,873
Liabilities
Non-interest bearing deposits	69,086,714	51,786,588
Interest bearing deposits	561,527,690	604,192,552
Total deposits	630,614,404	655,979,140
Note payable	939,445	1,046,111
Long-term advances from the Federal Home Loan Bank	35,000,000	35,000,000
Advances from borrowers for taxes and insurance	12,893,144	4,469,292
Accrued expenses and other liabilities	17,453,821	24,824,454
Total liabilities	696,900,814	721,318,997
Commitments and contingent liabilities (Note 14)
Stockholders' equity
Serial preferred stock $.01 par value, 1,000,000 shares authorized none issued
Common stock, $.01 par value, 65,000,000 shares authorized; 26,554,185 and 26,217,796 shares issued, respectively	265,542	262,178
Additional paid-in capital	101,801,499	100,897,561
Retained earnings (accumulated deficit)	(17,661,510)	(26,719,600)
Accumulated other comprehensive income (loss)	462,902	(472,116)
Treasury stock at cost, 472,725 shares	(3,837,147)	(3,837,147)
Total stockholders' equity	81,031,286	70,130,876
Total liabilities and stockholders' equity	$ 777,932,100	$ 791,449,873