v2.4.0.6

CONSOLIDATED BALANCE SHEETS (USD $)	Jun. 30, 2012	Jun. 30, 2011
ASSETS
Cash and cash equivalents due from financial institutions	$ 2,241,915	$ 2,371,401
Overnight deposits	2,700,000	1,700,000
Total cash and cash equivalents	4,941,915	4,071,401
Interest-bearing time deposits in other financial institutions	833,000	292,000
Securities, available-for-sale	697,042	699,297
Securities held to maturity (fair value of $576,957 at June 30, 2012 and $729,604 at June 30, 2011)	544,025	693,918
Federal Home Loan Bank stock	397,500	397,500
Loans, net of allowance of $255,432 and $220,817	35,489,351	37,514,804
Premises and equipment, net	1,548,882	259,116
Accrued interest receivable	92,679	122,997
Other assets	715,517	454,526
Total assets	45,259,911	44,505,559
LIABILITIES
Savings and checking accounts	10,225,442	8,970,233
Certificates of deposit	17,600,303	17,505,499
Total deposits	27,825,745	26,475,732
Federal Home Loan Bank advances	5,000,000	6,000,000
Other liabilities	1,482,269	1,039,362
Common stock in ESOP subject to repurchase obligation	41,313	22,230
SHAREHOLDERS' EQUITY
Preferred stock, $.01 par value, 1,000,000 shares authorized, none issued and outstanding
Common stock, $.01 par value, 10,000,000 shares authorized, 427,504 shares issued	4,275	4,275
Additional paid-in capital	3,778,470	3,794,894
Retained earnings	8,321,153	8,165,438
Treasury stock, 35,460 shares, at cost	(354,600)	(354,600)
Unearned employee stock ownership plan shares	(299,250)	(316,350)
Accumulated other comprehensive loss	(539,464)	(325,422)
Total shareholders' equity	10,910,584	10,968,235
Total liabilities and shareholders' equity	$ 45,259,911	$ 44,505,559

Accumulated change in equity from transactions and other events and circumstances from non-owner sources, net of tax effect, at period end. Excludes Net Income (Loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners. Includes foreign currency translation items, certain pension adjustments, unrealized gains and losses on certain investments in debt and equity securities, other than temporary impairment (OTTI) losses related to factors other than credit losses on available-for-sale and held-to-maturity debt securities that an entity does not intend to sell and it is not more likely than not that the entity will be required to sell before recovery of the amortized cost basis, as well as changes in the fair value of derivatives related to the effective portion of a designated cash flow hedge.

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Amount of deposits that cannot be withdrawn before a set date without penalty or for which notice of withdrawal is required. Time deposits include, but are not limited to, certificates of deposits, individual retirement accounts and open accounts.

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The amount allocated to treasury stock. Treasury stock is common and preferred shares of an entity that were issued, repurchased by the entity, and are held in its treasury.

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