Magyar Bancorp (MGYR) 10-Q12 Feb 142014 Q1 Quarterly reportFinancial data

Company Profile

Document_and_Entity_Informatio

Document and Entity Information	3 Months Ended
Document and Entity Information	Dec. 31, 2013	Feb. 01, 2014
Document And Entity Information	'	'
Entity Registrant Name	'Magyar Bancorp, Inc.	'
Entity Central Index Key	'0001337068	'
Document Type	'10-Q	'
Document Period End Date	31-Dec-13	'
Amendment Flag	'false	'
Current Fiscal Year End Date	'--09-30	'
Is Entity a Well-known Seasoned Issuer?	'No	'
Is Entity a Voluntary Filer?	'No	'
Is Entity's Reporting Status Current?	'Yes	'
Entity Filer Category	'Smaller Reporting Company	'
Entity Common Stock, Shares Outstanding	'	5,811,394
Document Fiscal Period Focus	'Q1	'
Document Fiscal Year Focus	'2014	'

Consolidated_Balance_Sheets_Un

Consolidated Balance Sheets (Unaudited) (USD $)	Dec. 31, 2013	Sep. 30, 2013
In Thousands, unless otherwise specified	Dec. 31, 2013	Sep. 30, 2013
Assets	'	'
Cash	$1,356	$1,129
Interest earning deposits with banks	7,348	16,663
Total cash and cash equivalents	8,704	17,792
Investment securities - available for sale, at fair value	15,215	15,774
Investment securities - held to maturity, at amortized cost (fair value of $50,854 and $51,802 at Decmeber 31, 2013 and September 30, 2013, respectively)	52,178	52,558
Federal Home Loan Bank of New York stock, at cost	2,594	1,982
Loans receivable, net of allowance for loan losses of $3,200 and $3,013 at December 31, 2013 and September 30, 2013, respectively	405,108	396,800
Bank owned life insurance	10,425	10,342
Accrued interest receivable	1,751	1,752
Premises and equipment, net	20,655	20,880
Other real estate owned ("OREO")	15,057	14,756
Other assets	4,888	5,092
Total assets	536,575	537,728
Liabilities	'	'
Deposits	440,664	453,328
Escrowed funds	971	1,018
Federal Home Loan Bank of New York advances	40,700	27,100
Securities sold under agreements to repurchase	5,000	5,000
Accrued interest payable	140	141
Accounts payable and other liabilities	3,670	5,821
Total liabilities	491,145	492,408
Stockholders' equity	'	'
Preferred stock: $.01 Par Value, 1,000,000 shares authorized; none issued	'	'
Common stock: $.01 Par Value, 8,000,000 shares authorized; 5,923,742 issued; 5,811,394 and 5,807,344 shares outstanding at December 31, 2013 and September 30, 2013	59	59
Additional paid-in capital	26,317	26,322
Treasury stock: 112,348 at December 31, 2013 and September 30, 2013, at cost	-1,256	-1,256
Unearned Employee Stock Ownership Plan shares	-969	-1,002
Retained earnings	21,968	21,835
Accumulated other comprehensive loss	-689	-638
Total stockholders' equity	45,430	45,320
Total liabilities and stockholders' equity	$536,575	$537,728

Consolidated_Balance_Sheets_Un1

Consolidated Balance Sheets (Unaudited) (Parenthetical) (USD $)	Dec. 31, 2013	Sep. 30, 2013
In Thousands, except Share data, unless otherwise specified	Dec. 31, 2013	Sep. 30, 2013
Statement of Financial Position [Abstract]	'	'
Fair value of investment securities - held to maturity	$50,854	$51,802
Allowance for loan losses	$3,200	$3,013
Preferred stock; par value	$0.01	$0.01
Preferred stock; shares authorized	1,000,000	1,000,000
Preferred stock; shares issued	'	'
Common stock; par value	$0.01	$0.01
Common stock; shares authorized	8,000,000	8,000,000
Common stock; shares issued	5,923,742	5,923,742
Common stock, shares outstanding	5,811,394	5,811,394
Treasury stock, shares	112,348	112,348

Consolidated_Statements_of_Ope

Consolidated Statements of Operations (Unaudited) (USD $)	3 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Interest and dividend income	'	'
Loans, including fees	$4,539	$4,546
Investment securities	'	'
Taxable	413	379
Tax-exempt	'	1
Federal Home Loan Bank of New York stock	21	28
Total interest and dividend income	4,973	4,954
Interest expense	'	'
Deposits	644	816
Borrowings	281	358
Total interest expense	925	1,174
Net interest and dividend income	4,048	3,780
Provision for loan losses	359	441
Net interest and dividend income after provision for loan losses	3,689	3,339
Other income	'	'
Service charges	207	231
Income on bank owned life insurance	83	84
Other operating income	14	17
Gains on sales of loans	30	265
Gains on sales of investment securities	36	64
Total other income	370	661
Other expenses	'	'
Compensation and employee benefits	1,933	1,798
Occupancy expenses	718	698
Professional fees	267	225
Data processing expenses	143	140
OREO expenses	186	141
FDIC deposit insurance premiums	181	174
Loan servicing expenses	135	52
Insurance expense	57	56
Other expenses	265	302
Total other expenses	3,885	3,586
Income before income tax expense	174	414
Income tax expense	41	132
Net income	$133	$282
Net income per share-basic and diluted	$0.02	$0.05

Consolidated_Statements_of_Com

Consolidated Statements of Comprehensive Income (Unaudited) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013		Dec. 31, 2012
Statement of Comprehensive Income [Abstract]	'		'
Net income	$133		$282
Other comprehensive loss:	'		'
Net unrealized (loss) gain on securities available for sale	-81		-129
Realized gains on sales of securities available for sale	'	[1],[2]	-64	[1],[2]
Unrealized loss on derivatives	'		-20
Other comprehensive loss, before tax	-81		-213
Deferred income tax effect	30		78
Total other comprehensive loss	-51		-135
Total comprehensive income	$82		$147

[1]	Realized gains on securities transactions included in gains on sales of investment securities in the accompanying Consolidated Statements of Operations
[2]	Tax effect included in income tax expense in the accompanying Consolidated Statements of Operations

Consolidated_Statement_of_Chan

Consolidated Statement of Changes in Stockholders' Equity (Unaudited) (USD $)	Common Stock	Additional Paid-In Capital	Treasury Stock	Unearned ESOP Shares	Retained Earnings	Accumulated Other Comprehensive Loss	Total
In Thousands, except Share data	Common Stock	Additional Paid-In Capital	Treasury Stock	Unearned ESOP Shares	Retained Earnings	Accumulated Other Comprehensive Loss	Total
Balance, beginning at Sep. 30, 2012	$59	$26,367	($1,301)	($1,116)	$21,600	($604)	$45,005
Balance, beginning, shares at Sep. 30, 2012	5,807,344	'	'	'	'	'	'
Net income	'	'	'	'	282	'	282
Other comprehensive loss	'	'	'	'	'	-135	-135
ESOP shares allocated	'	-14	'	29	'	'	15
Stock-based compensation expense	'	4	'	'	'	'	4
Balance, ending at Dec. 31, 2012	59	26,357	-1,301	-1,087	21,882	-739	45,171
Balance, ending, shares at Dec. 31, 2012	5,807,344	'	'	'	'	'	5,807,344
Balance, beginning at Sep. 30, 2013	59	26,322	-1,256	-1,002	21,835	-638	45,320
Balance, beginning, shares at Sep. 30, 2013	5,811,394	'	'	'	'	'	5,811,394
Net income	'	'	'	'	133	'	133
Other comprehensive loss	'	'	'	'	'	-51	-51
ESOP shares allocated	'	-10	'	33	'	'	23
Stock-based compensation expense	'	5	'	'	'	'	5
Balance, ending at Dec. 31, 2013	$59	$26,317	($1,256)	($969)	$21,968	($689)	$45,430
Balance, ending, shares at Dec. 31, 2013	5,811,394	'	'	'	'	'	5,811,394

Consolidated_Statements_of_Cas

Consolidated Statements of Cash Flows (Unaudited) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Operating activities	'	'
Net income	$133	$282
Adjustment to reconcile net income to net cash provided by operating activities	'	'
Depreciation expense	234	228
Premium amortization on investment securities, net	76	46
Provision for loan losses	359	441
Provision for loss on other real estate owned	26	'
Proceeds from the sales of loans	219	2,936
Gains on sale of loans	-30	-265
Gains on sales of investment securities	-36	-64
Losses on the sales of other real estate owned	'	8
ESOP compensation expense	23	15
Stock-based compensation expense	5	4
Deferred income tax expense	'	132
Decrease in accrued interest receivable	1	61
Increase in surrender value bank owned life insurance	-83	-84
Decrease (increase) in other assets	233	-90
Decrease (increase) in accrued interest payable	-1	20
Decrease in accounts payable and other liabilities	-2,151	-981
Net cash (used) provided by operating activities	-992	2,689
Investing activities	'	'
Net increase in loans receivable	-3,867	-9,564
Purchases of loans receivable	-5,514	'
Purchases of investment securities held to maturity	-4,419	-4,069
Proceeds from sales of investment securities held to maturity	3,036	'
Proceeds from sales of investment securities available for sale	'	1,064
Principal repayments on investment securities held to maturity	1,748	3,894
Principal repayments on investment securities available for sale	453	837
Purchases of premises and equipment	-9	-77
Investment in other real estate owned	'	-160
Proceeds from the sale of other real estate owned	199	553
(Purchase) redemption of Federal Home Loan Bank stock	-612	63
Net cash used by investing activities	-8,985	-7,459
Financing activities	'	'
Net (decrease) increase in deposits	-12,664	7,859
Net (decrease) increase in escrowed funds	-47	94
Proceeds from long-term advances	2,000	'
Repayments of long-term advances	-4,000	'
Net change in short-term advances	15,600	-1,400
Net cash provided by financing activities	889	6,553
Net (decrease) increase in cash and cash equivalents	-9,088	1,783
Cash and cash equivalents, beginning of period	17,792	10,044
Cash and cash equivalents, end of period	8,704	11,827
Cash paid for	'	'
Interest	925	1,154
Income taxes	9	50
Non-cash investing activities	'	'
Real estate acquired in full satisfaction of loans in foreclosure	$525	'

BASIS_OF_PRESENTATION

BASIS OF PRESENTATION	3 Months Ended
BASIS OF PRESENTATION	Dec. 31, 2013
Basis Of Presentation	'
BASIS OF PRESENTATION	'
	NOTE A – BASIS OF PRESENTATION

	The consolidated financial statements include the accounts of Magyar Bancorp, Inc. (the “Company”), its wholly owned subsidiary, Magyar Bank (the “Bank”), and the Bank’s wholly owned subsidiaries Magyar Service Corporation, Hungaria Urban Renewal, LLC, and MagBank Investment Company. All material intercompany transactions and balances have been eliminated. The Company prepares its financial statements on the accrual basis and in conformity with accounting principles generally accepted in the United States of America ("US GAAP"). The unaudited information furnished herein reflects all adjustments (consisting of normal recurring accruals) that are, in the opinion of management, necessary to a fair statement of the results for the interim periods presented.

	Operating results for the three months ended December 31, 2013 are not necessarily indicative of the results that may be expected for the year ending September 30, 2014. The September 30, 2013 information has been derived from the audited consolidated financial statements at that date but does not include all of the information and footnotes required by US GAAP for complete financial statements.

	The preparation of financial statements in conformity with US GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of income and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, the valuation of other real estate owned, and the assessment of realizability of deferred income tax assets.

	The Company has evaluated events and transactions occurring subsequent to the balance sheet date of December 31, 2013 for items that should potentially be recognized or disclosed in these financial statements. The evaluation was conducted through the date these financial statements were issued.

RECENT_ACCOUNTING_PRONOUNCEMEN

RECENT ACCOUNTING PRONOUNCEMENTS	3 Months Ended
RECENT ACCOUNTING PRONOUNCEMENTS	Dec. 31, 2013
Recent Accounting Pronouncements	'
RECENT ACCOUNTING PRONOUNCEMENTS	'
	NOTE B- RECENT ACCOUNTING PRONOUNCEMENTS

	In connection with the preparation of quarterly and annual reports in accordance with the Securities and Exchange Commission’s (SEC) Securities Exchange Act of 1934, SEC Staff Accounting Bulletin Topic 11.M requires the disclosure of the impact that recently issued accounting standards will have on financial statements when they are adopted in the future.

	Accounting Standards Update 2014-04: Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40) - Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure. The objective of this ASU is to reduce the diversity in practice of when a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan and when the related loan receivable should be derecognized and the real estate owned recognized.

	This amendment clarifies that an in substance repossession or foreclosure occurs with either a) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure, or b) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. Upon completion of either of these two events the creditor is considered to have received physical possession of residential real estate property and therefore should derecognize the loan receivable and recognize the real estate owned.

	Additionally, this amendment requires interim and annual disclosure of both a) the amount of foreclosed residential real estate property held by the creditor and b) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction.

	The provisions of this ASU are effective for public business entities for annual periods and interim periods within those annual periods beginning after December 15, 2014. For entities other than public business entities, this ASU is effective for annual periods beginning after December 15, 2014, and interim periods within annual periods beginning after December 15, 2015. This ASU can be adopted using either a modified retrospective transition method or a prospective transition method. Early adoption is permitted. The Company is currently in the process of evaluating the effect this pronouncement this ASU will have on its consolidated financial statements.

CONTINGENCIES

CONTINGENCIES	3 Months Ended
CONTINGENCIES	Dec. 31, 2013
Contingencies	'
CONTINGENCIES	'
	NOTE C - CONTINGENCIES

	The Company, from time to time, is a party to routine litigation that arises in the normal course of business. In the opinion of management, the resolution of this litigation, if any, would not have a material adverse effect on the Company’s consolidated financial position or results of operations.

EARNINGS_PER_SHARE

EARNINGS PER SHARE	3 Months Ended
EARNINGS PER SHARE	Dec. 31, 2013
Earnings Per Share [Abstract]	'
EARNINGS PER SHARE	'
	NOTE D - EARNINGS PER SHARE

	Basic and diluted earnings per share for the three months ended December 31, 2013 and 2012 were calculated by dividing net income by the weighted-average number of shares outstanding for the period. All stock options and restricted stock awards were anti-dilutive for the three months ended December 31, 2013 and the three months ended December 31, 2012. The following table shows the Company’s earnings per share for the periods presented:

		For the Three Months Ended December 31,
		2013						2012
				Weighted		Per				Weighted		Per
				average		share				average		share
		Income		shares		Amount		Income		shares		Amount
		(In thousands, except per share data)
	Basic EPS
	Net income available to common shareholders	$	133		5,813	$	0.02	$	282		5,809	$	0.05

	Effect of dilutive securities
	Options and grants		—		2		—		—		—		—

	Diluted EPS
	Net income available to common shareholders plus assumed conversion	$	133		5,815	$	0.02	$	282		5,809	$	0.05

	Options to purchase 188,276 shares of common stock at a weighted average price of $14.61 were outstanding and not included in the computation of diluted earnings per share for the three months ended December 31, 2013 because the grant (or option strike) price was greater than the average market price of the common shares during the periods. Options to purchase 188,276 shares of common stock at a weighted average price of $14.61 and 10,364 shares of restricted shares at a weighted average price of $4.43 were outstanding and not included in the computation of diluted earnings per share for the three months ended December 31, 2012 because the grant (or option strike) price was greater than the average market price of the common shares during the periods.

STOCKBASED_COMPENSATION_AND_ST

STOCK-BASED COMPENSATION AND STOCK REPURCHASE PROGRAM

3 Months Ended

Dec. 31, 2013

Stock-Based Compensation And Stock Repurchase Program

STOCK-BASED COMPENSATION AND STOCK REPURCHASE PROGRAM

NOTE E – STOCK-BASED COMPENSATION AND STOCK REPURCHASE PROGRAM

The Company follows FASB Accounting Standards Codification (“ASC”) Section 718, Compensation-Stock Compensation, which covers a wide range of share-based compensation arrangements including share options, restricted share plans, performance-based awards, share appreciation rights, and employee share purchase plans. ASC 718 requires that compensation cost relating to share-based payment transactions be recognized in financial statements. The cost is measured based on the fair value of the equity or liability instruments issued.

ASC 718 also requires the Company to realize as a financing cash flow rather than an operating cash flow, as previously required, the benefits of realized tax deductions in excess of previously recognized tax benefits on compensation expense. In accordance with SEC Staff Accounting Bulletin (“SAB”) No. 107, the Company classified share-based compensation for employees and outside directors within “compensation and employee benefits” in the consolidated statement of operations to correspond with the same line item as the cash compensation paid.

Stock options generally vest over a five-year service period and expire ten years from issuance. Management recognizes compensation expense for all option grants over the awards’ respective requisite service periods. The fair values of all option grants were estimated using the Black-Scholes option-pricing model. Since there was limited historical information on the volatility of the Company’s stock, management also considered the average volatilities of similar entities for an appropriate period in determining the assumed volatility rate used in the estimation of fair value. Management estimated the expected life of the options using the simplified method allowed under SAB No. 107. The 7-year Treasury yield in effect at the time of the grant provided the risk-free rate for periods within the contractual life of the option. Management recognizes compensation expense for the fair values of these awards, which have graded vesting, on a straight-line basis over the requisite service period of the awards. Once vested, these awards are irrevocable. Shares will be obtained from either the open market or treasury stock upon share option exercise.

Restricted shares generally vest over a five-year service period on the anniversary of the grant date. Once vested, these awards are irrevocable. The product of the number of shares granted and the grant date market price of the Company’s common stock determine the fair value of restricted shares under the Company’s restricted stock plans. Management recognizes compensation expense for the fair value of restricted shares on a straight-line basis over the requisite service period.

The following is a summary of the status of the Company’s stock option activity and related information for its option plan for the three months ended December 31, 2013:

Weighted

Average

Aggregate

Number of

Average

Remaining

Intrinsic

Stock Options

Exercise Price

Contractual Life

Value

Balance at September 30, 2013

188,276

14.61

Granted

—

Exercised

—

Forfeited

—

Balance at December 31, 2013

188,276

14.61

3.2 years

—

Exercisable at December 31, 2013

188,276

14.61

3.2 years

—

The following is a summary of the Company’s non-vested stock awards as of December 31, 2013 and changes during the three months ended December 31, 2013:

Weighted

Average

Number of

Grant Date

Stock Awards

Fair Value

Balance at September 30, 2013

9,352

4.42

Granted

—

Vested

—

Forfeited

—

Balance at December 31, 2013

9,352

4.42

Stock option and stock award expenses included with compensation expense were $0 and $4,000, respectively, for the three months ended December 31, 2013, and $0 and $4,000, respectively, for the three months ended December 31, 2012.

The Company announced in November 2007 its second stock repurchase program of up to 5% of its publicly-held outstanding shares of common stock, or 129,924 shares. Through December 31, 2013, the Company had repurchased a total of 81,000 shares of its common stock at an average cost of $8.33 per share under this program. No shares were repurchased during the three months ended December 31, 2013. Under the stock repurchase program, 48,924 shares of the 129,924 shares authorized remained available for repurchase as of December 31, 2013. The Company’s intended use of the repurchased shares is for general corporate purposes, including the funding of awards granted under the 2006 Equity Incentive Plan.

The Company has an Employee Stock Ownership Plan ("ESOP") for the benefit of employees of the Company and the Bank who meets the eligibility requirements as defined in the plan. The ESOP trust purchased 217,863 shares of common stock in the open market using proceeds of a loan from the Company. The total cost of shares purchased by the ESOP trust was $2.3 million, reflecting an average cost per share of $10.58. The Bank will make cash contributions to the ESOP on an annual basis sufficient to enable the ESOP to make the required loan payments to the Company. The loan bears a variable interest rate that adjusts annually every January 1^st to the then published Prime Rate (3.25% at January 1, 2013) with principal and interest payable annually in equal installments over thirty years. The loan is secured by shares of the Company’s stock.

As the debt is repaid, shares are released as collateral and allocated to qualified employees. Accordingly, the shares pledged as collateral are reported as unearned ESOP shares in the Consolidated Balance Sheet. As shares are released from collateral, the Company reports compensation expense equal to the then current market price of the shares, and the shares become outstanding for earnings per share computations.

At December 31, 2013, shares allocated to participants totaled 115,990. Unallocated ESOP shares held in suspense totaled 101,873 at December 31, 2013 and had a fair market value of $759,973. The Company's expense for the ESOP was $23,000 and $15,000 for the three months ended December 31, 2013 and 2012, respectively.

OTHER_COMPREHENSIVE_LOSS

OTHER COMPREHENSIVE LOSS	3 Months Ended
OTHER COMPREHENSIVE LOSS	Dec. 31, 2013
Other Comprehensive Loss	'
OTHER COMPREHENSIVE LOSS	'
	NOTE F – OTHER COMPREHENSIVE LOSS

	The components of other comprehensive loss and the related income tax effects are as follows:

			Three Months Ended December 31,
			2013								2012
						Tax		Net of						Tax		Net of
			Before Tax			Benefit		Tax			Before Tax			Benefit		Tax
			Amount			(Expense)		Amount			Amount			(Expense)		Amount
			(Dollars in thousands)
	Unrealized holding gain (loss) arising
	during period on:

	Available-for-sale investments		$	(81	)	$	30	$	(51	)	$	(129	)	$	44	$	(85	)
	Less reclassification adjustment for net gains
	realized on available-for-sale investments (a) (b)			—			—		—			(64	)		26		(38	)
	Interest rate derivatives			—			—		—			(20	)		8		(12	)

	Other comprehensive income (loss), net		$	(81	)	$	30	$	(51	)	$	(213	)	$	78	$	(135	)
	(a)	Realized gains on securities transactions included in gains on sales of investment securities in the accompanying Consolidated Statements of Operations
	(b)	Tax effect included in income tax expense in the accompanying Consolidated Statements of Operations

FAIR_VALUE_DISCLOSURES

FAIR VALUE DISCLOSURES	3 Months Ended
FAIR VALUE DISCLOSURES	Dec. 31, 2013
Fair Value Disclosures [Abstract]	'
FAIR VALUE DISCLOSURES	'
	NOTE G – FAIR VALUE DISCLOSURES

	We use fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. Our securities available-for-sale are recorded at fair value on a recurring basis. Additionally, from time to time, we may be required to record at fair value other assets or liabilities on a non-recurring basis, such as held-to-maturity securities, mortgage servicing rights, loans receivable and other real estate owned, or OREO. These non-recurring fair value adjustments involve the application of lower-of-cost-or-market accounting or write-downs of individual assets.

	In accordance with ASC 820, we group our assets and liabilities at fair value in three levels, based on the markets in which the assets are traded and the reliability of the assumptions used to determine fair value. These levels are:

		Level 1 -	Valuation is based upon quoted prices for identical instruments traded in active markets.

		Level 2 -	Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active and model-based valuation techniques for which all significant assumptions are observable in the market.

		Level 3 -	Valuation is generated from model-based techniques that use significant assumptions not observable in the market. These unobservable assumptions reflect our own estimates of assumptions that market participants would use in pricing the asset or liability. Valuation techniques include the use of option pricing models, discounted cash flow models and similar techniques. The results cannot be determined with precision and may not be realized in an actual sale or immediate settlement of the asset or liability.

	We base our fair values on the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. ASC 820 requires us to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value.

	The following is a description of valuation methodologies used for assets measured at fair value on a recurring basis.

	Securities available for sale
	Our available for sale portfolio is carried at estimated fair value on a recurring basis, with any unrealized gains and losses, net of taxes, reported as accumulated other comprehensive income/loss in stockholders’ equity. Our securities available for sale portfolio consists of U.S government and government-sponsored enterprise obligations, municipal bonds, and mortgage-backed securities. The fair values of these securities are obtained from an independent nationally recognized pricing service. Our independent pricing service provides us with prices which are categorized as Level 2, as quoted prices in active markets for identical assets are generally not available for the securities in our portfolio. Various modeling techniques are used to determine pricing for our mortgage-backed securities, including option pricing and discounted cash flow models. The inputs to these models include benchmark yields, reported trades, broker/dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers and reference data.

	The following table provides the level of valuation assumptions used to determine the carrying value of our assets measured at fair value on a recurring basis.

			Fair Value at December 31, 2013
			Total			Level 1			Level 2			Level 3
			(Dollars in thousands)
	Securities available for sale:
	Obligations of U.S. government agencies:
	Mortgage-backed securities - residential		$	1,460		$	—		$	1,460		$	—
	Obligations of U.S. government-sponsored enterprises:
	Mortgage-backed securities-residential			9,090			—			9,090			—
	Mortgage-backed securities-commercial			3,938			—			3,938			—
	Private label mortgage-backed securities-residential			727			—			727			—
	Total securities available for sale		$	15,215		$	—		$	15,215		$	—

			Fair Value at September 30, 2013
			Total			Level 1			Level 2			Level 3
			(Dollars in thousands)
	Securities available for sale:
	Obligations of U.S. government agencies:
	Mortgage-backed securities - residential		$	1,556		$	—		$	1,556		$	—
	Obligations of U.S. government-sponsored enterprises:
	Mortgage-backed securities-residential			9,401			—			9,401			—
	Mortgage-backed securities-commercial			4,002			—			4,002			—
	Private label mortgage-backed securities-residential			815			—			815			—
	Total securities available for sale		$	15,774		$	—		$	15,774		$	—

	The following is a description of valuation methodologies used for assets measured at fair value on a non-recurring basis.

	Impaired Loans
	Loans which meet certain criteria are evaluated individually for impairment. A loan is impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. All amounts due according to the contractual terms means that both the contractual interest and principal payments of a loan will be collected as scheduled in the loan agreement. Three impairment measurement methods are used, depending upon the collateral securing the asset: 1) the present value of expected future cash flows discounted at the loan’s effective interest rate (the rate of return implicit in the loan); 2) the asset’s observable market price; or 3) the fair value of the collateral, less anticipated selling and disposition costs, if the asset is collateral dependent. The regulatory agencies require this method for loans from which repayment is expected to be provided solely by the underlying collateral. Our impaired loans are generally collateral dependent and, as such, are carried at the estimated fair value of the collateral less estimated selling costs. Fair value is estimated through current appraisals, and adjusted as necessary, by management, to reflect current market conditions and, as such, are generally classified as Level 3.

	Appraisals of collateral securing impaired loans are conducted by approved, qualified, and independent third-party appraisers. Such appraisals are ordered via the Bank’s credit administration department, independent from the lender who originated the loan, once the loan is deemed impaired, as described in the previous paragraph. Impaired loans are generally re-evaluated with an updated appraisal within one year of the last appraisal. However, the Company also obtains updated appraisals on performing construction loans that are approaching their maturity date to determine whether or not the fair value of the collateral securing the loan remains sufficient to cover the loan amount prior to considering an extension. The Company discounts the appraised “as is” value of the collateral for estimated selling and disposition costs and compares the resulting fair value of collateral to the outstanding loan amount. If the outstanding loan amount is greater than the discounted fair value, the Company requires a reduction in the outstanding loan balance or additional collateral before considering an extension to the loan. If the borrower is unwilling or unable to reduce the loan balance or increase the collateral securing the loan, it is deemed impaired and the difference between the loan amount and the fair value of collateral, net of estimated selling and disposition costs, is charged off through a reduction of the allowance for loan loss.

	Other Real Estate Owned
	The fair value of other real estate owned is determined through current appraisals, and adjusted as necessary, by management, to reflect current market conditions. As such, other real estate owned is generally classified as Level 3.

	The following table provides the level of valuation assumptions used to determine the carrying value of our assets measured at fair value on a non-recurring basis at December 31, 2013 and September 30, 2013.

			Fair Value at December 31, 2013
			Total			Level 1			Level 2			Level 3
			(Dollars in thousands)

	Impaired loans		$	351		$	—		$	—		$	351
	Other real estate owned			735			—			—			735
		$	1,086		$	—		$	—		$	1,086

		Fair Value at September 30, 2013
		Total			Level 1			Level 2			Level 3
		(Dollars in thousands)

Impaired loans		$	8,534		$	—		$	—		$	8,534
Other real estate owned			230			—			—			230
		$	8,764		$	—		$	—		$	8,764

The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis and for which Company has utilized Level 3 inputs to determine fair value:
Quantitative Information about Level 3 Fair Value Measurements
(Dollars in thousands)

		Fair Value			Valuation
31-Dec-13		Estimate			Techniques		Unobservable Input	Range (Weighted Average)

Impaired loans		$	351		Appraisal of		Liquidation expenses (2)		0% to -8.0% (-7.8%)
Impaired loans		$	351		collateral (1)		Liquidation expenses (2)		0% to -8.0% (-7.8%)
Other real estate owned		$	735		Appraisal of		Appraisal adjustments (2)		-8.0% to -18.0% (-12.8%)
Other real estate owned		$	735		collateral (1), (3)		Appraisal adjustments (2)		-8.0% to -18.0% (-12.8%)
	(1)	Fair value is generally determined through independent appraisals for the underlying collateral, which generally include various level 3 inputs which are not identifiable.
	-2	Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal.
	-3	Includes qualitative adjustments by management and estimated liquidation expenses.

The following methods and assumptions were used to estimate the fair value of each class of financial instruments not already disclosed above for which it is practicable to estimate fair value:

Cash and interest earning deposits with banks: The carrying amounts are a reasonable estimate of fair value.

Held to maturity securities: The fair values of our held to maturity securities are obtained from an independent nationally recognized pricing service. Our independent pricing service provides us with prices which are categorized as Level 2, as quoted prices in active markets for identical assets are generally not available for the securities in our portfolio.

Loans: Fair value for the loan portfolio, excluding impaired loans with specific loss allowances, is estimated based on discounted cash flow analysis using interest rates currently offered for loans with similar terms to borrowers of similar credit quality.

Federal Home Loan Bank of New York (“FHLB”) stock: The carrying amount of FHLB stock approximates fair value and considers the limited marketability of the investment.

Bank-owned life insurance: The carrying amounts are based on the cash surrender values of the individual policies, which is a reasonable estimate of fair value.

Deposits: The fair value of deposits with no stated maturity, such as money market deposit accounts, interest-bearing checking accounts and savings accounts, is equal to the amount payable on demand. The fair value of certificates of deposit is based on the discounted value of contractual cash flows. The discount rate is equivalent to current market rates for deposits of similar size, type and maturity.

Accrued interest receivable and payable: For these short-term instruments, the carrying amount is a reasonable estimate of fair value.

Federal Home Loan Bank of New York advances and securities sold under reverse repurchase agreements: The fair value of borrowings is based on the discounted value of contractual cash flows. The discount rate is equivalent to the rate currently offered by the Federal Home Loan Bank of New York for borrowings of similar maturity and terms.

The fair value of commitments to extend credit is estimated based on the amount of unamortized deferred loan commitment fees. The fair value of letters of credit is based on the amount of unearned fees plus the estimated cost to terminate the letters of credit. Fair values of unrecognized financial instruments including commitments to extend credit and the fair value of letters of credit are considered immaterial.

The following presents the carrying amount, fair value, and placement in the fair value hierarchy of the Company’s financial instruments carried at cost or amortized cost as of December 31, 2013 and September 30, 2013. This table excludes financial instruments for which the carrying amount approximates level 1 fair value. For short-term financial assets such as cash and cash equivalents, the carrying amount is a reasonable estimate of fair value due to the relatively short time between the origination of the instrument and its expected realization. For financial liabilities such as interest-bearing demand, NOW, and money market savings deposits, the carrying amount is a reasonable estimate of fair value due to these products having no stated maturity.
		Carrying			Fair			Fair Value Measurement Placement
		Value			Value			(Level 1)			(Level 2)			(Level 3)
		(Dollars in thousands)
31-Dec-13
Financial instruments - assets
Investment securities held to maturity		$	52,178		$	50,854		$	—		$	50,854		$	—
Loans			405,108			407,393			—			—			407,393

Financial instruments - liabilities
Certificate of deposit			155,396			157,260			—			157,260			—
Borrowings			45,700			46,872			—			46,872			—

30-Sep-13
Financial instruments - assets
Investment securities held to maturity		$	52,558		$	51,802			—		$	51,802		$	—
Loans			396,800			401,064			—			—			401,064

Financial instruments - liabilities
Certificate of deposit			153,841			155,306			—			155,306			—
Borrowings			32,100			33,430			—			33,430			—

There were no transfers between fair value measurement placements for the three months ended December 31, 2013.

INVESTMENT_SECURITIES

INVESTMENT SECURITIES	3 Months Ended
INVESTMENT SECURITIES	Dec. 31, 2013
InvestmentSecuritiesAbstract	'
INVESTMENT SECURITIES	'
	NOTE H - INVESTMENT SECURITIES

	The following tables summarize the amortized cost and fair values of securities available for sale at December 31, 2013 and September 30, 2013:

			31-Dec-13
						Gross			Gross
			Amortized			Unrealized			Unrealized				Fair
			Cost			Gains			Losses				Value
			(Dollars in thousands)
	Securities available for sale:
	Obligations of U.S. government agencies:
	Mortgage-backed securities - residential		$	1,460		$	—		$	—			$	1,460
	Obligations of U.S. government-sponsored enterprises:
	Mortgage-backed securities-residential			9,357			21			(288	)			9,090
	Mortgage-backed securities-commercial			3,939			—			(1	)			3,938
	Private label mortgage-backed securities-residential			721			7			(1	)			727
	Total securities available for sale			15,477			28			(290	)			15,215

			30-Sep-13
						Gross			Gross
			Amortized			Unrealized			Unrealized				Fair
			Cost			Gains			Losses				Value
			(Dollars in thousands)
	Securities available for sale:
	Obligations of U.S. government agencies:
	Mortgage-backed securities - residential		$	1,551		$	5		$	—			$	1,556
	Obligations of U.S. government-sponsored enterprises:
	Mortgage-backed securities-residential			9,633			9			(241	)			9,401
	Mortgage backed-securities-commercial			3,963			39			—				4,002
	Private label mortgage-backed securities-residential			808			9			(2	)			815
	Total securities available for sale		$	15,955		$	62		$	(243	)		$	15,774

	The maturities of the debt securities and mortgage-backed securities available for sale at December 31, 2013 are summarized in the following table:

			31-Dec-13
			Amortized			Fair
			Cost			Value
			(Dollars in thousands)
	Due within 1 year		$	—		$	—
	Due after 1 but within 5 years			—			—
	Due after 5 but within 10 years			—			—
	Due after 10 years			—			—
	Total debt securities			—			—

	Mortgage-backed securities:
	Residential			11,538			11,277
	Commercial			3,939			3,938
	Total		$	15,477		$	15,215

	The following tables summarize the amortized cost and fair values of securities held to maturity at December 31, 2013 and September 30, 2013:

			31-Dec-13
						Gross			Gross
			Amortized			Unrealized			Unrealized				Fair
			Cost			Gains			Losses				Value
			(Dollars in thousands)
	Securities held to maturity:
	Obligations of U.S. government agencies:
	Mortgage-backed securities - residential		$	8,952		$	196		$	(198	)		$	8,950
	Mortgage-backed securities - commercial			1,216			—			(3	)			1,213
	Obligations of U.S. government-sponsored enterprises:
	Mortgage-backed-securities - residential			37,309			327			(1,300	)			36,336
	Debt securities			4,000			—			(372	)			3,628
Private label mortgage-backed securities - residential			690			33			(7	)			716
Obligations of state and political subdivisions			11			—			—				11
Total securities held to maturity		$	52,178		$	556		$	(1,880	)		$	50,854

		30-Sep-13
					Gross			Gross
		Amortized			Unrealized			Unrealized				Fair
		Cost			Gains			Losses				Value
		(Dollars in thousands)
Securities held to maturity:
Obligations of U.S. government agencies:
Mortgage-backed securities - residential		$	9,455		$	231		$	(121	)		$	9,565
Mortgage-backed securities - commercial			1,433			—			(3	)			1,430
Obligations of U.S. government-sponsored enterprises:
Mortgage-backed securities - residential			33,758			363			(975	)			33,146
Debt securities			4,000			—			(267	)			3,733
Private label mortgage-backed securities - residential			901			27			(11	)			917
Obligations of state and political subdivisions			11			—			—				11
Corporate securities			3,000			—			—				3,000
Total securities held to maturity		$	52,558		$	621		$	(1,377	)		$	51,802

During the quarter ended December 31, 2013, the Company sold its only corporate security from the held to maturity portfolio. The issuer of the $3.0 million bond was recently downgraded by a rating agency, which was considered evidence of a significant deterioration in the issuer’s creditworthiness. The bond was sold for a gain of $36,000. Management does not believe the sale of the bond affects its intent or ability to hold the remaining investment securities in the held to maturity portfolio until their maturity.

The maturities of the debt securities and the mortgage-backed securities held to maturity at December 31, 2013 are summarized in the following table:

		31-Dec-13
		Amortized			Fair
		Cost			Value
		(Dollars in thousands)
Due within 1 year		$	11		$	11
Due after 1 but within 5 years			—			—
Due after 5 but within 10 years			1,000			899
Due after 10 years			3,000			2,729
Total debt securities			4,011			3,639

Mortgage-backed securities:
Residential			46,951			46,002
Commercial			1,216			1,213
Total		$	52,178		$	50,854

IMPAIRMENT_OF_INVESTMENT_SECUR

IMPAIRMENT OF INVESTMENT SECURITIES	3 Months Ended
IMPAIRMENT OF INVESTMENT SECURITIES	Dec. 31, 2013
Impairment Of Investment Securities	'
IMPAIRMENT OF INVESTMENT SECURITIES	'
	NOTE I – IMPAIRMENT OF INVESTMENT SECURITIES

	The Company recognizes credit-related other-than-temporary impairment on debt securities in earnings while noncredit-related other-than-temporary impairment on debt securities not expected to be sold are recognized in other comprehensive income (“OCI”).

	We review our investment portfolio on a quarterly basis for indications of impairment. This review includes analyzing the length of time and the extent to which the fair value has been lower than the cost, the financial condition and near-term prospects of the issuer, including any specific events which may influence the operations of the issuer and the intent and ability to hold the investment for a period of time sufficient to allow for any anticipated recovery in the market. We evaluate our intent and ability to hold debt securities based upon our investment strategy for the particular type of security and our cash flow needs, liquidity position, capital adequacy and interest rate risk position. In addition, the risk of future other-than-temporary impairment may be influenced by prolonged recession in the U.S. economy, changes in real estate values and interest deferrals.

	Investment securities with fair values less than their amortized cost contain unrealized losses. The following tables present the gross unrealized losses and fair value at December 31, 2013 and September 30, 2013 for both available for sale and held to maturity securities by investment category and time frame for which the loss has been outstanding:

				31-Dec-13
				Less Than 12 Months					12 Months Or Greater					Total
		Number of		Fair		Unrealized			Fair		Unrealized			Fair		Unrealized
		Securities		Value		Losses			Value		Losses			Value		Losses
				(Dollars in thousands)
	Obligations of U.S. government agencies:
	Mortgage-backed securities - residential		3	$	2,679	$	(89	)	$	962	$	(109	)	$	3,641	$	(198	)
	Mortgage-backed securities - commercial		1		1,214		(3	)		—		—			1,214		(3	)
	Obligations of U.S. government-sponsored enterprises
	Mortgage-backed securities - residential		26		31,334		(1,505	)		3,337		(83	)		34,671		(1,588	)
	Mortgage-backed securities - commercial		1		3,938		(1	)		—		—			3,938		(1	)
	Debt securities		4		1,860		(140	)		1,768		(232	)		3,628		(372	)
	Private label mortgage-backed securities residential		2		363		(7	)		21		(1	)		384		(8	)
	Total		37	$	41,388	$	(1,745	)	$	6,088	$	(425	)	$	47,476	$	(2,170	)

				30-Sep-13
				Less Than 12 Months					12 Months Or Greater					Total
		Number of		Fair		Unrealized			Fair		Unrealized			Fair		Unrealized
		Securities		Value		Losses			Value		Losses			Value		Losses
				(Dollars in thousands)
	Obligations of U.S. government agencies:
	Mortgage-backed securities - residential		3	$	1,887	$	(57	)	$	1,099	$	(64	)	$	2,986	$	(121	)
	Mortgage-backed securities - commercial		1		1,430		(3	)		—		—			1,430		(3	)
	Obligations of U.S. government-sponsored enterprises
	Mortgage-backed securities - residential		22		30,638		(1,202	)		626		(14	)		31,264		(1,216	)
	Debt securities		4		3,732		(267	)		—		—			3,732		(267	)
	Private label mortgage-backed securities residential		2		396		(11	)		21		(2	)		417		(13	)
	Corporate securities		1		3,000		—			—		—			3,000		—
	Total		33	$	41,083	$	(1,540	)	$	1,746	$	(80	)	$	42,829	$	(1,620	)

	The investment securities listed above currently have fair values less than amortized cost and therefore contain unrealized losses. The Company evaluated these securities and determined that the decline in value was primarily related to fluctuations in the interest rate environment and were not related to any company or industry specific event. At December 31, 2013 and September 30, 2013, there were thirty seven and thirty three, respectively, investment securities with unrealized losses.

	The Company anticipates full recovery of amortized costs with respect to these securities. The Company does not intend to sell these securities and has determined that it is not more likely than not that the Company would be required to sell these securities prior to maturity or market price recovery. Management has considered factors regarding other than temporarily impaired securities and determined that there are no securities with impairment that is other than temporary as of December 31, 2013 and September 30, 2013.

LOANS_RECEIVABLE_NET_AND_RELAT

LOANS RECEIVABLE, NET AND RELATED ALLOWANCE FOR LOAN LOSSES	3 Months Ended
LOANS RECEIVABLE, NET AND RELATED ALLOWANCE FOR LOAN LOSSES	Dec. 31, 2013
Loans Receivable Net And Related Allowance For Loan Losses	'
LOANS RECEIVABLE, NET AND RELATED ALLOWANCE FOR LOAN LOSSES	'
	NOTE J – LOANS RECEIVABLE, NET AND RELATED ALLOWANCE FOR LOAN LOSSES

	Loans receivable, net were comprised of the following:

			December 31,				September 30,
			2013				2013
			(Dollars in thousands)

	One-to four-family residential		$	162,434			$	152,977
	Commercial real estate			164,140				163,368
	Construction			15,290				16,749
	Home equity lines of credit			20,301				20,349
	Commercial business			34,338				34,492
	Other			11,559				11,631

	Total loans receivable			408,062				399,566
	Net deferred loan costs			246				247
	Allowance for loan losses			(3,200	)			(3,013	)

	Total loans receivable, net		$	405,108			$	396,800

	The segments of the Bank’s loan portfolio are disaggregated to a level that allows management to monitor risk and performance. The residential mortgage loan segment is further disaggregated into two classes: amortizing term loans, which are primarily first liens, and home equity lines of credit, which are generally second liens. The commercial real estate loan segment is further disaggregated into three classes. Commercial real estate loans include loans secured by multifamily structures, owner-occupied commercial structures, and non-owner occupied nonresidential properties. The construction loan segment consists primarily of loans to developers or investors for the purpose of acquiring, developing and constructing residential or commercial structures and to a lesser extent one-to-four family residential construction loans made to individuals for the acquisition of and/or construction on a lot or lots on which a residential dwelling is to be built. Construction loans to developers and investors have a higher risk profile because the ultimate buyer, once development is completed, is generally not known at the time of the loan. The commercial business loan segment consists of loans made for the purpose of financing the activities of commercial customers and consists primarily of revolving lines of credit. The consumer loan segment consists primarily of stock-secured installment loans, but also includes unsecured personal loans and overdraft lines of credit connected with customer deposit accounts.

	Management evaluates individual loans in all segments for possible impairment if the loan either is in nonaccrual status, or is risk rated Substandard and is greater than 90 days past due. Loans are considered to be impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in evaluating impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed.

	Once the determination has been made that a loan is impaired, the recorded investment in the loan is compared to the fair value of the loan using one of three methods: (a) the present value of expected future cash flows discounted at the loan’s effective interest rate; (b) the loan’s observable market price; or (c) the fair value of the collateral securing the loan, less anticipated selling and disposition costs. The method is selected on a loan-by loan basis, with management primarily utilizing the fair value of collateral method. If there is a shortfall between the fair value of the loan and the recorded investment in the loan, the Company charges the difference to the allowance for loan loss as a charge-off and carries the impaired loan on its books at fair value. It is the Company’s policy to evaluate impaired loans on an annual basis to ensure the recorded investment in a loan does not exceed its fair value.

	The following table presents impaired loans by class, segregated by those for which a specific allowance was required and charged-off and those for which a specific allowance was not necessary at the dates presented:
											Impaired
											Loans with
			Impaired Loans with								No Specific
			Specific Allowance								Allowance			Total Impaired Loans
																	Unpaid
			Recorded				Related				Recorded			Recorded			Principal
	At December 31, 2013		Investment				Allowance				Investment			Investment			Balance
			(Dollars in thousands)

	One-to four-family residential		$	6,588			$	573			$	7,255		$	13,843		$	14,431
	Commercial real estate			418				4				4,681			5,099			6,257
	Construction			—				—				2,896			2,896			4,353
	Home equity lines of credit			152				23				874			1,026			1,267
	Commercial business			11				11				69			80			80
	Other			—				—				—			—			—
	Total impaired loans		$	7,169			$	611			$	15,775		$	22,944		$	26,388

											Impaired
											Loans with
			Impaired Loans with								No Specific
			Specific Allowance								Allowance			Total Impaired Loans
																	Unpaid
			Recorded				Related				Recorded			Recorded			Principal
	At September 30, 2013		Investment				Allowance				Investment			Investment			Balance
			(Dollars in thousands)

	One-to four-family residential		$	6,192			$	513			$	8,478		$	14,670		$	15,631
	Commercial real estate			421				7				5,599			6,020			7,179
	Construction			600				11				2,896			3,496			4,953
	Home equity lines of credit			—				—				1,027			1,027			1,268
	Commercial business			11				11				84			95			116
	Other			—				—				—			—			—
	Total impaired loans		$	7,224			$	542			$	18,084		$	25,308		$	29,147

	The following table presents the average recorded investment in impaired loans for the periods indicated. There was no interest income recognized on impaired loans during the periods presented.

		Three Months
		Ended December 31, 2013
		(Dollars in thousands)

One-to four-family residential		$	14,257
Commercial real estate			5,560
Construction			3,196
Home equity lines of credit			1,027
Commercial business			88
Other			—
Average investment in impaired loans		$	24,126

		Three Months
		Ended December 31, 2012
		(Dollars in thousands)

One-to four-family residential		$	7,142
Commercial real estate			6,342
Construction			5,141
Home equity lines of credit			2,316
Commercial business			390
Other			6
Average investment in impaired loans		$	21,336

Management uses a ten point internal risk rating system to monitor the credit quality of the overall loan portfolio. The first six categories are considered not criticized, and are aggregated as “Pass” rated. The criticized rating categories utilized by management generally follow bank regulatory definitions. The Special Mention category includes assets that are currently protected but are potentially weak, resulting in an undue and unwarranted credit risk, but not to the point of justifying a Substandard classification. Loans in the Substandard category have well-defined weaknesses that jeopardize the liquidation of the debt, and have a distinct possibility that some loss will be sustained if the weaknesses are not corrected. All loans greater than three months past due are considered Substandard. Loans classified as Doubtful have all the weaknesses as those classified Substandard, with the added characteristic that the weaknesses present make “collection or liquidation in full” on the basis of currently existing facts, conditions and values highly questionable and improbable. Any portion of a loan that has been charged off is placed in the Loss category.

To help ensure that risk ratings are accurate and reflect the present and future capacity of borrowers to repay a loan as agreed, the Bank has a structured loan rating process with several layers of internal and external oversight. Generally, consumer and residential mortgage loans are included in the Pass categories unless a specific action, such as severe delinquency, bankruptcy, repossession, or death occurs to raise awareness of a possible credit event. The Bank’s Commercial Loan Officers are responsible for the timely and accurate risk rating of the loans in their portfolios at origination and on an ongoing basis. The Asset Review Committee performs monthly reviews of all commercial relationships internally rated 6 (“Watch”) or worse. Confirmation of the appropriate risk grade is performed by an external Loan Review Company that semi-annually reviews and assesses loans within the portfolio. Generally, the external consultant reviews commercial relationships greater than $500,000 and/or criticized relationships greater than $250,000. Detailed reviews, including plans for resolution, are performed on loans classified as Substandard on a monthly basis.

The following table presents the classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the Bank’s internal risk rating system at the dates presented:

						Special
		Pass				Mention				Substandard			Doubtful			Total
		(Dollars in thousands)
31-Dec-13
One-to four-family residential		$	151,505			$	577			$	10,352		$	—		$	162,434
Commercial real estate			158,214				1,113				4,813			—			164,140
Construction			7,846				—				7,444			—			15,290
Home equity lines of credit			17,930				13				2,358			—			20,301
Commercial business			32,599				451				1,288			—			34,338
Other			11,559				—				—			—			11,559
Total		$	379,653			$	2,154			$	26,255		$	—		$	408,062
						Special
		Pass				Mention				Substandard			Doubtful			Total
		(Dollars in thousands)
30-Sep-13
One-to four-family residential		$	141,881			$	346			$	10,750		$	—		$	152,977
Commercial real estate			156,511				1,128				5,729			—			163,368
Construction			8,839				—				7,910			—			16,749
Home equity lines of credit			17,988				—				2,361			—			20,349
Commercial business			32,905				466				1,121			—			34,492
Other			11,631				—				—			—			11,631
Total		$	369,755			$	1,940			$	27,871		$	—		$	399,566

Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past due. The following table presents the classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans at the dates presented:

						30-59				60-89
						Days				Days			90 Days +			Total			Non-			Total
		Current				Past Due				Past Due			Past Due			Past Due			Accrual			Loans
		(Dollars in thousands)
31-Dec-13
One-to four-family residential		$	153,446			$	—			$	22		$	8,966		$	8,988		$	8,966		$	162,434
Commercial real estate			160,879				—				835			2,426			3,261			2,426			164,140
Construction			12,394				—				—			2,896			2,896			2,896			15,290
Home equity lines of credit			19,010				446				—			845			1,291			845			20,301
Commercial business			33,273				1,054				—			11			1,065			11			34,338
Other			11,559				—				—			—			—			—			11,559
Total		$	390,561			$	1,500			$	857		$	15,144		$	17,501		$	15,144		$	408,062

						30-59				60-89
						Days				Days			90 Days +			Total			Non-			Total
		Current				Past Due				Past Due			Past Due			Past Due			Accrual			Loans
		(Dollars in thousands)
30-Sep-13
One-to four-family residential		$	144,084			$	—			$	378		$	8,515		$	8,893		$	8,515		$	152,977
Commercial real estate			160,624				—				—			2,744			2,744			2,744			163,368
Construction			13,223				—				—			3,526			3,526			3,526			16,749
Home equity lines of credit			19,253				250				—			846			1,096			846			20,349
Commercial business			34,467				—				—			25			25			25			34,492
Other			11,631				—				—			—			—			—			11,631
Total		$	383,282			$	250			$	378		$	15,656		$	16,284		$	15,656		$	399,566

An allowance for loan losses (“ALL”) is maintained to absorb losses from the loan portfolio. The ALL is based on management’s continuing evaluation of the risk characteristics and credit quality of the loan portfolio, assessment of current economic conditions, diversification and size of the portfolio, adequacy of collateral, past and anticipated loss experience, and the amount of NPLs.

The Bank’s methodology for determining the ALL is based on the requirements of ASC Section 310-10-35 for loans individually evaluated for impairment (discussed above) and ASC Subtopic 450-20 for loans collectively evaluated for impairment, as well as the Interagency Policy Statements on the Allowance for Loan and Lease Losses and other bank regulatory guidance.

Loans that are collectively evaluated for impairment are analyzed with general allowances being made as appropriate. For general allowances, historical loss trends are used in the estimation of losses in the current portfolio. These historical loss amounts are modified by other qualitative and economic factors.

The loans are segmented into classes based on their inherent varying degrees of risk, as described above. Management tracks the historical net charge-off activity by segment and utilizes this figure, as a percentage of the segment, as the general reserve percentage for pooled, homogenous loans that have not been deemed impaired. Typically, an average of losses incurred over a defined number of consecutive historical years is used. A 5 year history is currently utilized for all loan segments except for construction loans, where the highest single year loss percentage of the most recent five years is used in place of a 5 year average.

Non-impaired credits are segregated for the application of qualitative factors. Management has identified a number of additional qualitative factors which it uses to supplement the historical charge-off factor because these factors are likely to cause estimated credit losses associated with the existing loan pools to differ from historical loss experience. The additional factors that are evaluated quarterly and updated using information obtained from internal, regulatory, and governmental sources include: national and local economic trends and conditions; levels of and trends in delinquency rates and non-accrual loans; trends in volumes and terms of loans; effects of changes in lending policies; experience, ability, and depth of lending staff; value of underlying collateral; and concentrations of credit from a loan type, industry and/or geographic standpoint.

Management reviews the loan portfolio on a quarterly basis using a defined, consistently applied process in order to make appropriate and timely adjustments to the ALL. When information confirms all or part of specific loans to be uncollectible, these amounts are promptly charged off against the ALL. Since loans individually evaluated for impairment are promptly written down to their fair value, typically there is no portion of the ALL for loans individually evaluated for impairment.

The following table summarizes the ALL by loan category and related activity for the three months ended December 31, 2013 and 2012:

		One-to Four-											Home Equity
		Family				Commercial							Lines of			Commercial
		Residential				Real Estate				Construction			Credit			Business			Other			Unallocated		Total
		(Dollars in thousands)

Balance-September 30, 2013		$	844			$	852			$	604		$	125		$	452		$	9		$	127	$	3,013
Charge-offs			(108	)			—				(75	)		—			—			—			—		(183	)
Recoveries			9				—				—			—			2			—			—		11
Provision			254				(7	)			29			12			72			(9	)		8		359
Balance-December 31, 2013		$	999			$	845			$	558		$	137		$	526		$	—		$	135	$	3,200

		One-to Four-											Home Equity
		Family				Commercial							Lines of			Commercial
		Residential				Real Estate				Construction			Credit			Business			Other			Unallocated		Total
		(Dollars in thousands)

Balance-September 30, 2012		$	610			$	1,929			$	640		$	232		$	383		$	23		$	41	$	3,858
Charge-offs			(192	)			—				—			—			—			(13	)		—		(205	)
Recoveries			—				—				—			—			—			—			—		—
Provision			251				(85	)			(169	)		1			406			8			29		441
Balance-December 31, 2012		$	668			$	1,844			$	471		$	233		$	789		$	18		$	70	$	4,094

The following tables summarize the ALL by loan category, segregated into the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment as of December 31, 2013 and September 30, 2013:
		One-to Four-											Home Equity
		Family				Commercial							Lines of			Commercial
		Residential				Real Estate				Construction			Credit			Business			Other			Unallocated		Total
		(Dollars in thousands)
Allowance for Loan Losses:
Balance - December 31, 2013		$	999			$	845			$	558		$	137		$	526		$	—		$	135	$	3,200
Individually evaluated
for impairment			573				4				—			23			11			—			—		611
Collectively evaluated
for impairment			426				841				558			114			515			—			135		2,589

Loans receivable:
Balance - December 31, 2013		$	162,434			$	164,140			$	15,290		$	20,301		$	34,338		$	11,559				$	408,062
Individually evaluated
for impairment			13,843				5,099				2,896			1,026			80			—					22,944
Collectively evaluated
for impairment			148,591				159,041				12,394			19,275			34,258			11,559					385,118

		One-to Four-											Home Equity
		Family				Commercial							Lines of			Commercial
		Residential				Real Estate				Construction			Credit			Business			Other			Unallocated		Total
		(Dollars in thousands)
Allowance for Loan Losses:
Balance - September 30, 2013		$	844			$	852			$	604		$	125		$	452		$	9		$	127	$	3,013
Individually evaluated
for impairment			513				7				11			—			11			—			—		542
Collectively evaluated
for impairment			331				845				593			125			441			9			127		2,471

Loans receivable:
Balance - September 30, 2013		$	152,977			$	163,368			$	16,749		$	20,349		$	34,492		$	11,631				$	399,566
Individually evaluated
for impairment			14,670				6,020				3,496			1,027			95			—					25,308
Collectively evaluated
for impairment			138,307				157,348				13,253			19,322			34,397			11,631					374,258

The allowance for loan losses is based on estimates, and actual losses will vary from current estimates. Management believes that the segmentation of the loan portfolio into homogeneous pools and the related historical loss ratios and other qualitative factors, as well as the consistency in the application of assumptions, result in an ALL that is representative of the risk found in the components of the portfolio at any given date.

The Bank has adopted FASB issue ASU No. 2011-02 on the determination of whether a loan restructuring is considered to be a Troubled Debt Restructuring (“TDR”). A TDR is a loan that has been modified whereby the Bank has agreed to make certain concessions to a borrower to meet the needs of both the borrower and the Bank to maximize the ultimate recovery of a loan. TDR occurs when a borrower is experiencing, or is expected to experience, financial difficulties and the loan is modified using a modification that would otherwise not be granted to the borrower. The types of concessions granted generally include, but are not limited to interest rate reductions, limitations on the accrued interest charged, term extensions, and deferment of principal.

There were no TDRs for the three months ended December 31, 2013. The following table summarizes the TDR activity for the three months ended December 31, 2012. The TDR listed involved a lower than market interest rate with a borrower having financial difficulties.

		Three Months Ended December 31, 2012
		Number of				Investment Before				Investment After
		Loans				TDR Modification				TDR Modification
		(Dollars in thousands)
Construction			1				67				67

Total			1			$	67			$	67

A default on a troubled debt restructured loan for purposes of this disclosure occurs when a borrower is 90 days past due or a foreclosure or repossession of the applicable collateral has occurred. During the three months ended December 31, 2013 and 2012, no defaults occurred on troubled debt restructured loans that were modified as a TDR within the previous 12 months.

DEPOSITS

DEPOSITS	3 Months Ended
DEPOSITS	Dec. 31, 2013
Deposits [Abstract]	'
DEPOSITS	'
	NOTE K - DEPOSITS

	A summary of deposits by type of account are summarized as follows:

		2013
		31-Dec		30-Sep
		(Dollars in thousands)

	Demand accounts	$	84,137	$	98,345
	Savings accounts		50,713		53,291
	NOW accounts		45,632		40,500
	Money market accounts		104,786		107,351
	Certificates of deposit		128,702		125,696
	Retirement certificates		26,694		28,145

		$	440,664	$	453,328

INCOME_TAXES

INCOME TAXES	3 Months Ended
INCOME TAXES	Dec. 31, 2013
Income Taxes	'
INCOME TAXES	'
	NOTE L – INCOME TAXES

	The Company records income taxes using the asset and liability method. Accordingly, deferred tax assets and liabilities: (i) are recognized for the expected future tax consequences of events that have been recognized in the financial statements or tax returns; (ii) are attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases; and (iii) are measured using enacted tax rates expected to apply in the years when those temporary differences are expected to be recovered or settled.

	Where applicable, deferred tax assets are reduced by a valuation allowance for any portions determined not likely to be realized. The valuation allowance is assessed by management on a quarterly basis and adjusted, by a charge or credit to income tax expense, as changes in facts and circumstances warrant. In assessing whether it is more likely than not that some portion or all of the deferred tax assets will not be realized, management considers projections of future taxable income, the projected periods in which current temporary differences will be deductible, the availability of carry forwards, feasible and permissible tax planning strategies and existing tax laws and regulations. Due to the uncertainty of the Company's ability to realize the benefit of certain deferred tax assets within statutory time limits, the net deferred tax assets are partially offset by a valuation allowance at December 31, 2013, the amount of which has not materially changed from that in place at September 30, 2013.

	A reconciliation of income tax between the amounts calculated based upon pre-tax income at the Company’s federal statutory rate and the amounts reflected in the consolidated statements of operations are as follows:

		For the Three Months
		Ended December 31,
		2013			2012
		(in thousands)

	Income tax expense at 34%
	statutory federal tax rate	$	59		$	141
	State tax expense		11			24
	Other		(29	)		(33	)

	Income tax expense	$	41		$	132

FINANCIAL_INSTRUMENTS_WITH_OFF

FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK	3 Months Ended
FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK	Dec. 31, 2013
Financial Instruments With Off-Balance Sheet Risk	'
FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK	'
	NOTE M - FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK

	The Company uses derivative financial instruments, such as interest rate floors and collars, as part of its interest rate risk management. Interest rate caps and floors are agreements whereby one party agrees to pay or receive a floating rate of interest on a notional principal amount for a predetermined period of time if certain market interest rate thresholds are met. The Company considers the credit risk inherent in these contracts to be negligible.

	As of December 31, 2013 and September 30, 2013, the Company did not hold any interest rate floors or collars.

	The Bank is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments are commitments to extend credit. Those instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amounts recognized in the balance sheets.

		2013
		31-Dec		30-Sep
		(Dollars in thousands)
	Financial instruments whose contract amounts
	represent credit risk
	Letters of credit	$	884	$	1,450
	Unused lines of credit		45,840		38,823
	Fixed rate loan commitments		1,381		2,546
	Variable rate loan commitments		10,938		6,985

		$	59,043	$	49,804

EARNINGS_PER_SHARE_Tables

EARNINGS PER SHARE (Tables)	3 Months Ended
EARNINGS PER SHARE (Tables)	Dec. 31, 2013
Earnings Per Share Tables	'
Schedule of earnings per share	'
	The following table shows the Company’s earnings per share for the periods presented:

		For the Three Months Ended December 31,
		2013						2012
				Weighted		Per				Weighted		Per
				average		share				average		share
		Income		shares		Amount		Income		shares		Amount
		(In thousands, except per share data)
	Basic EPS
	Net income available to common shareholders	$	133		5,813	$	0.02	$	282		5,809	$	0.05

	Effect of dilutive securities
	Options and grants		—		2		—		—		—		—

	Diluted EPS
	Net income available to common shareholders plus assumed conversion	$	133		5,815	$	0.02	$	282		5,809	$	0.05

STOCKBASED_COMPENSATION_AND_ST1

STOCK-BASED COMPENSATION AND STOCK REPURCHASE PROGRAM (Tables)	3 Months Ended
	Dec. 31, 2013
Stock-Based Compensation And Stock Repurchase Program Tables	'
Schedule of entity's stock option activity and related information	'
	The following is a summary of the status of the Company’s stock option activity and related information for its option plan for the three months ended December 31, 2013:

						Weighted
				Weighted		Average		Aggregate
		Number of		Average		Remaining		Intrinsic
		Stock Options		Exercise Price		Contractual Life		Value

	Balance at September 30, 2013		188,276	$	14.61
	Granted		—		—
	Exercised		—		—
	Forfeited		—		—
	Balance at December 31, 2013		188,276	$	14.61		3.2 years	$	—

	Exercisable at December 31, 2013		188,276	$	14.61		3.2 years	$	—
Summary of non-vested restricted stock awards	'
	The following is a summary of the Company’s non-vested stock awards as of December 31, 2013 and changes during the three months ended December 31, 2013:

				Weighted
				Average
		Number of		Grant Date
		Stock Awards		Fair Value
	Balance at September 30, 2013		9,352	$	4.42
	Granted		—		—
	Vested		—		—
	Forfeited		—		—
	Balance at December 31, 2013		9,352	$	4.42

OTHER_COMPREHENSIVE_LOSS_Table

OTHER COMPREHENSIVE LOSS (Tables)	3 Months Ended
OTHER COMPREHENSIVE LOSS (Tables)	Dec. 31, 2013
Other Comprehensive Loss Tables	'
Schedule of other comprehensive loss	'
	The components of other comprehensive loss and the related income tax effects are as follows:

			Three Months Ended December 31,
			2013								2012
						Tax		Net of						Tax		Net of
			Before Tax			Benefit		Tax			Before Tax			Benefit		Tax
			Amount			(Expense)		Amount			Amount			(Expense)		Amount
			(Dollars in thousands)
	Unrealized holding gain (loss) arising
	during period on:

	Available-for-sale investments		$	(81	)	$	30	$	(51	)	$	(129	)	$	44	$	(85	)
	Less reclassification adjustment for net gains
	realized on available-for-sale investments (a) (b)			—			—		—			(64	)		26		(38	)
	Interest rate derivatives			—			—		—			(20	)		8		(12	)

	Other comprehensive income (loss), net		$	(81	)	$	30	$	(51	)	$	(213	)	$	78	$	(135	)
	(a)	Realized gains on securities transactions included in gains on sales of investment securities in the accompanying Consolidated Statements of Operations
	(b)	Tax effect included in income tax expense in the accompanying Consolidated Statements of Operations

FAIR_VALUE_DISCLOSURES_Tables

FAIR VALUE DISCLOSURES (Tables)	3 Months Ended
FAIR VALUE DISCLOSURES (Tables)	Dec. 31, 2013
Fair Value Disclosures Tables	'
Schedule of assets measured at fair value on a recurring basis	'
	The following table provides the level of valuation assumptions used to determine the carrying value of our assets measured at fair value on a recurring basis.

			Fair Value at December 31, 2013
			Total		Level 1			Level 2		Level 3
			(Dollars in thousands)
	Securities available for sale:
	Obligations of U.S. government agencies:
	Mortgage-backed securities - residential		$	1,460	$	—		$	1,460	$	—
	Obligations of U.S. government-sponsored enterprises:
	Mortgage-backed securities-residential			9,090		—			9,090		—
	Mortgage-backed securities-commercial			3,938		—			3,938		—
	Private label mortgage-backed securities-residential			727		—			727		—
	Total securities available for sale		$	15,215	$	—		$	15,215	$	—

			Fair Value at September 30, 2013
			Total		Level 1			Level 2		Level 3
			(Dollars in thousands)
	Securities available for sale:
	Obligations of U.S. government agencies:
	Mortgage-backed securities - residential		$	1,556	$	—		$	1,556	$	—
	Obligations of U.S. government-sponsored enterprises:
	Mortgage-backed securities-residential			9,401		—			9,401		—
	Mortgage-backed securities-commercial			4,002		—			4,002		—
	Private label mortgage-backed securities-residential			815		—			815		—
	Total securities available for sale		$	15,774	$	—		$	15,774	$	—

Schedule of assets measured at fair value on a non-recurring basis	'
	The following table provides the level of valuation assumptions used to determine the carrying value of our assets measured at fair value on a non-recurring basis at December 31, 2013 and September 30, 2013.

			Fair Value at December 31, 2013
			Total		Level 1			Level 2		Level 3
			(Dollars in thousands)

	Impaired loans		$	351	$	—		$	—	$	351
	Other real estate owned			735		—			—		735
			$	1,086	$	—		$	—	$	1,086

			Fair Value at September 30, 2013
			Total		Level 1			Level 2		Level 3
			(Dollars in thousands)

	Impaired loans		$	8,534	$	—		$	—	$	8,534
	Other real estate owned			230		—			—		230
			$	8,764	$	—		$	—	$	8,764
Schedule of quantitative information about assets measured at fair value on a nonrecurring bassis for which Level 3 inputs were used to determine fair value	'
	The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis and for which Company has utilized Level 3 inputs to determine fair value:
	Quantitative Information about Level 3 Fair Value Measurements
	(Dollars in thousands)

			Fair Value		Valuation
	31-Dec-13		Estimate		Techniques		Unobservable Input	Range (Weighted Average)

	Impaired loans		$	351	Appraisal of		Liquidation expenses (2)		0% to -8.0% (-7.8%)
	Impaired loans		$	351	collateral (1)		Liquidation expenses (2)		0% to -8.0% (-7.8%)
	Other real estate owned		$	735	Appraisal of		Appraisal adjustments (2)		-8.0% to -18.0% (-12.8%)
	Other real estate owned		$	735	collateral (1), (3)		Appraisal adjustments (2)		-8.0% to -18.0% (-12.8%)
		(1)	Fair value is generally determined through independent appraisals for the underlying collateral, which generally include various level 3 inputs which are not identifiable.
		-2	Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal.
		-3	Includes qualitative adjustments by management and estimated liquidation expenses.
Schedule of the carrying amount, fair value, and placement in the fair value hierarchy of financial instruments carried at cost or amortized cost	'
	The following presents the carrying amount, fair value, and placement in the fair value hierarchy of the Company’s financial instruments carried at cost or amortized cost as of December 31, 2013 and September 30, 2013.
			Carrying		Fair			Fair Value Measurement Placement
			Value		Value			(Level 1)		(Level 2)		(Level 3)
			(Dollars in thousands)
	31-Dec-13
	Financial instruments - assets
	Investment securities held to maturity		$	52,178	$	50,854		$	—	$	50,854	$	—
	Loans			405,108		407,393			—		—		407,393

	Financial instruments - liabilities
	Certificate of deposit			155,396		157,260			—		157,260		—
	Borrowings			45,700		46,872			—		46,872		—

	30-Sep-13
	Financial instruments - assets
	Investment securities held to maturity		$	52,558	$	51,802			—	$	51,802	$	—
	Loans			396,800		401,064			—		—		401,064

	Financial instruments - liabilities
	Certificate of deposit			153,841		155,306			—		155,306		—
	Borrowings			32,100		33,430			—		33,430		—

INVESTMENT_SECURITIES_Tables

INVESTMENT SECURITIES (Tables)	3 Months Ended
INVESTMENT SECURITIES (Tables)	Dec. 31, 2013
Investment Securities Tables	'
Schedule of amortized cost and fair values of investment securities available for sale	'
	The following tables summarize the amortized cost and fair values of securities available for sale at December 31, 2013 and September 30, 2013:

		31-Dec-13
				Gross		Gross
		Amortized		Unrealized		Unrealized			Fair
		Cost		Gains		Losses			Value
		(Dollars in thousands)
	Securities available for sale:
	Obligations of U.S. government agencies:
	Mortgage-backed securities - residential	$	1,460	$	—	$	—		$	1,460
	Obligations of U.S. government-sponsored enterprises:
	Mortgage-backed securities-residential		9,357		21		(288	)		9,090
	Mortgage-backed securities-commercial		3,939		—		(1	)		3,938
	Private label mortgage-backed securities-residential		721		7		(1	)		727
	Total securities available for sale		15,477		28		(290	)		15,215

		30-Sep-13
				Gross		Gross
		Amortized		Unrealized		Unrealized			Fair
		Cost		Gains		Losses			Value
		(Dollars in thousands)
	Securities available for sale:
	Obligations of U.S. government agencies:
	Mortgage-backed securities - residential	$	1,551	$	5	$	—		$	1,556
	Obligations of U.S. government-sponsored enterprises:
	Mortgage-backed securities-residential		9,633		9		(241	)		9,401
	Mortgage backed-securities-commercial		3,963		39		—			4,002
	Private label mortgage-backed securities-residential		808		9		(2	)		815
	Total securities available for sale	$	15,955	$	62	$	(243	)	$	15,774

Schedule of amortized cost and fair values of securities held to maturity	'
	The following tables summarize the amortized cost and fair values of securities held to maturity at December 31, 2013 and September 30, 2013:

		31-Dec-13
				Gross		Gross
		Amortized		Unrealized		Unrealized			Fair
		Cost		Gains		Losses			Value
		(Dollars in thousands)
	Securities held to maturity:
	Obligations of U.S. government agencies:
	Mortgage-backed securities - residential	$	8,952	$	196	$	(198	)	$	8,950
	Mortgage-backed securities - commercial		1,216		—		(3	)		1,213
	Obligations of U.S. government-sponsored enterprises:
	Mortgage-backed-securities - residential		37,309		327		(1,300	)		36,336
	Debt securities		4,000		—		(372	)		3,628
	Private label mortgage-backed securities - residential		690		33		(7	)		716
	Obligations of state and political subdivisions		11		—		—			11
	Total securities held to maturity	$	52,178	$	556	$	(1,880	)	$	50,854

		30-Sep-13
				Gross		Gross
		Amortized		Unrealized		Unrealized			Fair
		Cost		Gains		Losses			Value
		(Dollars in thousands)
	Securities held to maturity:
	Obligations of U.S. government agencies:
	Mortgage-backed securities - residential	$	9,455	$	231	$	(121	)	$	9,565
	Mortgage-backed securities - commercial		1,433		—		(3	)		1,430
	Obligations of U.S. government-sponsored enterprises:
	Mortgage-backed securities - residential		33,758		363		(975	)		33,146
	Debt securities		4,000		—		(267	)		3,733
	Private label mortgage-backed securities - residential		901		27		(11	)		917
	Obligations of state and political subdivisions		11		—		—			11
	Corporate securities		3,000		—		—			3,000
	Total securities held to maturity	$	52,558	$	621	$	(1,377	)	$	51,802
Schedule of maturities of debt securities and mortgage-backed securities available for sale and held to maturity	'
	The maturities of the debt securities and mortgage-backed securities available for sale at December 31, 2013 are summarized in the following table:

		31-Dec-13
		Amortized		Fair
		Cost		Value
		(Dollars in thousands)
	Due within 1 year	$	—	$	—
	Due after 1 but within 5 years		—		—
	Due after 5 but within 10 years		—		—
	Due after 10 years		—		—
	Total debt securities		—		—

	Mortgage-backed securities:
	Residential		11,538		11,277
	Commercial		3,939		3,938
	Total	$	15,477	$	15,215

	The maturities of the debt securities and the mortgage-backed securities held to maturity at December 31, 2013 are summarized in the following table:

		31-Dec-13
		Amortized		Fair
		Cost		Value
		(Dollars in thousands)
	Due within 1 year	$	11	$	11
	Due after 1 but within 5 years		—		—
	Due after 5 but within 10 years		1,000		899
	Due after 10 years		3,000		2,729
	Total debt securities		4,011		3,639

	Mortgage-backed securities:
	Residential		46,951		46,002
	Commercial		1,216		1,213
	Total	$	52,178	$	50,854

IMPAIRMENT_OF_INVESTMENT_SECUR1

IMPAIRMENT OF INVESTMENT SECURITIES (Tables)	3 Months Ended
IMPAIRMENT OF INVESTMENT SECURITIES (Tables)	Dec. 31, 2013
Impairment Of Investment Securities Tables	'
Schedule of securities with unrealized losses	'
	The following tables present the gross unrealized losses and fair value at December 31, 2013 and September 30, 2013 for both available for sale and held to maturity securities by investment category and time frame for which the loss has been outstanding:

				31-Dec-13
				Less Than 12 Months					12 Months Or Greater					Total
		Number of		Fair		Unrealized			Fair		Unrealized			Fair		Unrealized
		Securities		Value		Losses			Value		Losses			Value		Losses
				(Dollars in thousands)
	Obligations of U.S. government agencies:
	Mortgage-backed securities - residential		3	$	2,679	$	(89	)	$	962	$	(109	)	$	3,641	$	(198	)
	Mortgage-backed securities - commercial		1		1,214		(3	)		—		—			1,214		(3	)
	Obligations of U.S. government-sponsored enterprises
	Mortgage-backed securities - residential		26		31,334		(1,505	)		3,337		(83	)		34,671		(1,588	)
	Mortgage-backed securities - commercial		1		3,938		(1	)		—		—			3,938		(1	)
	Debt securities		4		1,860		(140	)		1,768		(232	)		3,628		(372	)
	Private label mortgage-backed securities residential		2		363		(7	)		21		(1	)		384		(8	)
	Total		37	$	41,388	$	(1,745	)	$	6,088	$	(425	)	$	47,476	$	(2,170	)

				30-Sep-13
				Less Than 12 Months					12 Months Or Greater					Total
		Number of		Fair		Unrealized			Fair		Unrealized			Fair		Unrealized
		Securities		Value		Losses			Value		Losses			Value		Losses
				(Dollars in thousands)
	Obligations of U.S. government agencies:
	Mortgage-backed securities - residential		3	$	1,887	$	(57	)	$	1,099	$	(64	)	$	2,986	$	(121	)
	Mortgage-backed securities - commercial		1		1,430		(3	)		—		—			1,430		(3	)
	Obligations of U.S. government-sponsored enterprises
	Mortgage-backed securities - residential		22		30,638		(1,202	)		626		(14	)		31,264		(1,216	)
	Debt securities		4		3,732		(267	)		—		—			3,732		(267	)
	Private label mortgage-backed securities residential		2		396		(11	)		21		(2	)		417		(13	)
	Corporate securities		1		3,000		—			—		—			3,000		—
	Total		33	$	41,083	$	(1,540	)	$	1,746	$	(80	)	$	42,829	$	(1,620	)

LOANS_RECEIVABLE_NET_AND_RELAT1

LOANS RECEIVABLE, NET AND RELATED ALLOWANCE FOR LOAN LOSSES (Tables)	3 Months Ended
	Dec. 31, 2013
Loans Receivable Net And Related Allowance For Loan Losses Tables	'
Schedule of net loans receivable	'
	Loans receivable, net were comprised of the following:

		December 31,			September 30,
		2013			2013
		(Dollars in thousands)

	One-to four-family residential	$	162,434		$	152,977
	Commercial real estate		164,140			163,368
	Construction		15,290			16,749
	Home equity lines of credit		20,301			20,349
	Commercial business		34,338			34,492
	Other		11,559			11,631

	Total loans receivable		408,062			399,566
	Net deferred loan costs		246			247
	Allowance for loan losses		(3,200	)		(3,013	)

	Total loans receivable, net	$	405,108		$	396,800
Schedule of impaired loans	'
	The following table presents impaired loans by class, segregated by those for which a specific allowance was required and charged-off and those for which a specific allowance was not necessary at the dates presented:
								Impaired
								Loans with
		Impaired Loans with						No Specific
		Specific Allowance						Allowance			Total Impaired Loans
													Unpaid
		Recorded			Related			Recorded			Recorded		Principal
	At December 31, 2013	Investment			Allowance			Investment			Investment		Balance
		(Dollars in thousands)

	One-to four-family residential	$	6,588		$	573		$	7,255		$	13,843	$	14,431
	Commercial real estate		418			4			4,681			5,099		6,257
	Construction		—			—			2,896			2,896		4,353
	Home equity lines of credit		152			23			874			1,026		1,267
	Commercial business		11			11			69			80		80
	Other		—			—			—			—		—
	Total impaired loans	$	7,169		$	611		$	15,775		$	22,944	$	26,388

								Impaired
								Loans with
		Impaired Loans with						No Specific
		Specific Allowance						Allowance			Total Impaired Loans
													Unpaid
		Recorded			Related			Recorded			Recorded		Principal
	At September 30, 2013	Investment			Allowance			Investment			Investment		Balance
		(Dollars in thousands)

	One-to four-family residential	$	6,192		$	513		$	8,478		$	14,670	$	15,631
	Commercial real estate		421			7			5,599			6,020		7,179
	Construction		600			11			2,896			3,496		4,953
	Home equity lines of credit		—			—			1,027			1,027		1,268
	Commercial business		11			11			84			95		116
	Other		—			—			—			—		—
	Total impaired loans	$	7,224		$	542		$	18,084		$	25,308	$	29,147

	The following table presents the average recorded investment in impaired loans for the periods indicated. There was no interest income recognized on impaired loans during the periods presented.

		Three Months
		Ended December 31, 2013
		(Dollars in thousands)

	One-to four-family residential	$	14,257
	Commercial real estate		5,560
	Construction		3,196
	Home equity lines of credit		1,027
	Commercial business		88
	Other		—
	Average investment in impaired loans	$	24,126

		Three Months
		Ended December 31, 2012
		(Dollars in thousands)

	One-to four-family residential	$	7,142
	Commercial real estate		6,342
	Construction		5,141
	Home equity lines of credit		2,316
	Commercial business		390
	Other		6
	Average investment in impaired loans	$	21,336
Schedule of loan portfolio summarized by risk	'
	The following table presents the classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the Bank’s internal risk rating system at the dates presented:

					Special
		Pass			Mention			Substandard			Doubtful		Total
		(Dollars in thousands)
	31-Dec-13
	One-to four-family residential	$	151,505		$	577		$	10,352		$	—	$	162,434
	Commercial real estate		158,214			1,113			4,813			—		164,140
	Construction		7,846			—			7,444			—		15,290
	Home equity lines of credit		17,930			13			2,358			—		20,301
	Commercial business		32,599			451			1,288			—		34,338
	Other		11,559			—			—			—		11,559
	Total	$	379,653		$	2,154		$	26,255		$	—	$	408,062
					Special
		Pass			Mention			Substandard			Doubtful		Total
		(Dollars in thousands)
	30-Sep-13
	One-to four-family residential	$	141,881		$	346		$	10,750		$	—	$	152,977
	Commercial real estate		156,511			1,128			5,729			—		163,368
	Construction		8,839			—			7,910			—		16,749
	Home equity lines of credit		17,988			—			2,361			—		20,349
	Commercial business		32,905			466			1,121			—		34,492
	Other		11,631			—			—			—		11,631
	Total	$	369,755		$	1,940		$	27,871		$	—	$	399,566
Schedule of aging analysis of past due loans	'
	The following table presents the classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans at the dates presented:

					30-59			60-89
					Days			Days			90 Days +		Total		Non-			Total
		Current			Past Due			Past Due			Past Due		Past Due		Accrual			Loans
		(Dollars in thousands)
	31-Dec-13
	One-to four-family residential	$	153,446		$	—		$	22		$	8,966	$	8,988	$	8,966		$	162,434
	Commercial real estate		160,879			—			835			2,426		3,261		2,426			164,140
	Construction		12,394			—			—			2,896		2,896		2,896			15,290
	Home equity lines of credit		19,010			446			—			845		1,291		845			20,301
	Commercial business		33,273			1,054			—			11		1,065		11			34,338
	Other		11,559			—			—			—		—		—			11,559
	Total	$	390,561		$	1,500		$	857		$	15,144	$	17,501	$	15,144		$	408,062

					30-59			60-89
					Days			Days			90 Days +		Total		Non-			Total
		Current			Past Due			Past Due			Past Due		Past Due		Accrual			Loans
		(Dollars in thousands)
	30-Sep-13
	One-to four-family residential	$	144,084		$	—		$	378		$	8,515	$	8,893	$	8,515		$	152,977
	Commercial real estate		160,624			—			—			2,744		2,744		2,744			163,368
	Construction		13,223			—			—			3,526		3,526		3,526			16,749
	Home equity lines of credit		19,253			250			—			846		1,096		846			20,349
	Commercial business		34,467			—			—			25		25		25			34,492
	Other		11,631			—			—			—		—		—			11,631
	Total	$	383,282		$	250		$	378		$	15,656	$	16,284	$	15,656		$	399,566

Schedule of activity in the allowance for loan losses	'
	The following table summarizes the ALL by loan category and related activity for the three months ended December 31, 2013 and 2012:

		One-to Four-									Home Equity
		Family			Commercial						Lines of		Commercial
		Residential			Real Estate			Construction			Credit		Business		Other			Unallocated		Total
		(Dollars in thousands)

	Balance-September 30, 2013	$	844		$	852		$	604		$	125	$	452	$	9		$	127	$	3,013
	Charge-offs		(108	)		—			(75	)		—		—		—			—		(183	)
	Recoveries		9			—			—			—		2		—			—		11
	Provision		254			(7	)		29			12		72		(9	)		8		359
	Balance-December 31, 2013	$	999		$	845		$	558		$	137	$	526	$	—		$	135	$	3,200

		One-to Four-									Home Equity
		Family			Commercial						Lines of		Commercial
		Residential			Real Estate			Construction			Credit		Business		Other			Unallocated		Total
		(Dollars in thousands)

	Balance-September 30, 2012	$	610		$	1,929		$	640		$	232	$	383	$	23		$	41	$	3,858
	Charge-offs		(192	)		—			—			—		—		(13	)		—		(205	)
	Recoveries		—			—			—			—		—		—			—		—
	Provision		251			(85	)		(169	)		1		406		8			29		441
	Balance-December 31, 2012	$	668		$	1,844		$	471		$	233	$	789	$	18		$	70	$	4,094

	The following tables summarize the ALL by loan category, segregated into the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment as of December 31, 2013 and September 30, 2013:
		One-to Four-									Home Equity
		Family			Commercial						Lines of		Commercial
		Residential			Real Estate			Construction			Credit		Business		Other			Unallocated		Total
		(Dollars in thousands)
	Allowance for Loan Losses:
	Balance - December 31, 2013	$	999		$	845		$	558		$	137	$	526	$	—		$	135	$	3,200
	Individually evaluated
	for impairment		573			4			—			23		11		—			—		611
	Collectively evaluated
	for impairment		426			841			558			114		515		—			135		2,589

	Loans receivable:
	Balance - December 31, 2013	$	162,434		$	164,140		$	15,290		$	20,301	$	34,338	$	11,559				$	408,062
	Individually evaluated
	for impairment		13,843			5,099			2,896			1,026		80		—					22,944
	Collectively evaluated
	for impairment		148,591			159,041			12,394			19,275		34,258		11,559					385,118

		One-to Four-									Home Equity
		Family			Commercial						Lines of		Commercial
		Residential			Real Estate			Construction			Credit		Business		Other			Unallocated		Total
		(Dollars in thousands)
	Allowance for Loan Losses:
	Balance - September 30, 2013	$	844		$	852		$	604		$	125	$	452	$	9		$	127	$	3,013
	Individually evaluated
	for impairment		513			7			11			—		11		—			—		542
	Collectively evaluated
	for impairment		331			845			593			125		441		9			127		2,471

	Loans receivable:
	Balance - September 30, 2013	$	152,977		$	163,368		$	16,749		$	20,349	$	34,492	$	11,631				$	399,566
	Individually evaluated
	for impairment		14,670			6,020			3,496			1,027		95		—					25,308
	Collectively evaluated
	for impairment		138,307			157,348			13,253			19,322		34,397		11,631					374,258

Schedule of troubled debt restructurings	'

		Three Months Ended December 31, 2012
		Number of			Investment Before			Investment After
		Loans			TDR Modification			TDR Modification
		(Dollars in thousands)
	Construction		1			67			67

	Total		1		$	67		$	67

DEPOSITS_Tables

DEPOSITS (Tables)	3 Months Ended
DEPOSITS (Tables)	Dec. 31, 2013
Deposits Tables	'
Schedule of deposits by type of account	'
	A summary of deposits by type of account are summarized as follows:

		2013
		31-Dec		30-Sep
		(Dollars in thousands)

	Demand accounts	$	84,137	$	98,345
	Savings accounts		50,713		53,291
	NOW accounts		45,632		40,500
	Money market accounts		104,786		107,351
	Certificates of deposit		128,702		125,696
	Retirement certificates		26,694		28,145

		$	440,664	$	453,328

INCOME_TAXES_Tables

INCOME TAXES (Tables)	3 Months Ended
INCOME TAXES (Tables)	Dec. 31, 2013
Income Taxes Tables	'
Schedule of components of income tax expense	'
	A reconciliation of income tax between the amounts calculated based upon pre-tax income at the Company’s federal statutory rate and the amounts reflected in the consolidated statements of operations are as follows:

		For the Three Months
		Ended December 31,
		2013			2012
		(in thousands)

	Income tax expense at 34%
	statutory federal tax rate	$	59		$	141
	State tax expense		11			24
	Other		(29	)		(33	)

	Income tax expense	$	41		$	132

FINANCIAL_INSTRUMENTS_WITH_OFF1

FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK (Tables)	3 Months Ended
FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK (Tables)	Dec. 31, 2013
Financial Instruments With Off-Balance-Sheet Risk Tables	'
Schedule of fair value, off-balance sheet financial instruments	'

		2013
		31-Dec		30-Sep
		(Dollars in thousands)
	Financial instruments whose contract amounts
	represent credit risk
	Letters of credit	$	884	$	1,450
	Unused lines of credit		45,840		38,823
	Fixed rate loan commitments		1,381		2,546
	Variable rate loan commitments		10,938		6,985

		$	59,043	$	49,804

EARNINGS_PER_SHARE_Details_Nar

EARNINGS PER SHARE (Details Narrative) (USD $)	Dec. 31, 2013	Sep. 30, 2013	Dec. 31, 2012
Options Outstanding	'	'	'
Balance at the end of period	188,276	188,276	188,276
Weighted average price at the end of period	$14.61	$14.61	$14.61
Non Vested Stock Awards Outstanding	'	'	'
Balance at the end of period (in shares)	9,352	9,352	10,364
Non Vested Stock Awards, Weighted Average Grant Date Fair Value	'	'	'
Balance at the end of period (in dollars per share)	$4.42	$4.42	$4.43

EARNINGS_PER_SHARE_Details

EARNINGS PER SHARE (Details) (USD $)	3 Months Ended
In Thousands, except Share data, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Basic EPS	'	'
Net income available to common shareholders	$133	$282
Weighted average number of common shares outstanding - basic	5,813,000	5,809,000
Basic earnings (loss) per share	$0.02	$0.05
Effect of dilutive securities	'	'
Options and grants	2,000	'
Diluted EPS	'	'
Net income available to common shareholders plus assumed conversion	$133	$282
Weighted average number of common shares and common share equivalents - diluted	5,815,000	5,809,000
Diluted earnings (loss) per share	$0.02	$0.05

STOCKBASED_COMPENSATION_AND_ST2

STOCK-BASED COMPENSATION AND STOCK REPURCHASE PROGRAM (Details Narrative) (USD $)	3 Months Ended		7 Months Ended	74 Months Ended
In Thousands, except Share data, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012	Nov. 30, 2007	Dec. 31, 2013
	Dec. 31, 2013	Dec. 31, 2012	First Repurchase Program	Second Repurchase Program
Stock option expenses	$0	$0	'	'
Stock award expenses	4	4	'	'
Maximum stock repurchase authorization (as a percent)	'	'	5.00%	5.00%
Stock authorized to be repurchased (in shares)	'	'	129,924	'
Stock repurchased during period (in shares)	'	'	'	81,000
Common stock average cost (in dollars per share)	'	'	'	$8.33
Cost of shares repurchased by ESOP trust	2,300	'	'	'
Average cost of shares repurchased (per share)	$10.58	'	'	'
Description of loan with respect to employee stock ownership plan	'The ESOP trust purchased 217,863 shares of common stock in the open market using proceeds of a loan from the Company. The Bank will make cash contributions to the ESOP on an annual basis sufficient to enable the ESOP to make the required loan payments to the Company. The loan bears a variable interest rate that adjusts annually to Prime (3.25% at January 1, 2013) with principal and interest payable annually in equal installments over thirty years. The loan is secured by shares of the Company's stock.	'	'	'
Interest rate of loan with respect to employee stock ownership plan	3.25%	'	'	'
Total shares in ESOP	217,863	'	'	'
Fair value of suspense shares	760	'	'	'
Shares allocated	115,990	'	'	'
Suspense shares	101,873	'	'	'
ESOP compensation expense	$23	$15	'	'

STOCKBASED_COMPENSATION_AND_ST3

STOCK-BASED COMPENSATION AND STOCK REPURCHASE PROGRAM (Details) (USD $)	3 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Options Outstanding	'	'
Balance at the beginning of period	188,276	188,276
Balance at the end of period	188,276	188,276
Exercisable at the end of period	188,276	'
Options, Weighted-Average Exercise Price	'	'
Weighted average price at the beginning of period	$14.61	$14.61
Weighted average price at the end of period	$14.61	$14.61
Exercisable at the end of period	$14.61	'
Weighted- Average Remaining Contractual Life of Stock options outstanding	'3 years 2 months 12 days	'

STOCKBASED_COMPENSATION_AND_ST4

STOCK-BASED COMPENSATION AND STOCK REPURCHASE PROGRAM (Details 1) (USD $)	Dec. 31, 2013	Sep. 30, 2013	Dec. 31, 2012
Non Vested Stock Awards Outstanding	'	'	'
Balance at the beginning of period (in shares)	9,352	9,352	10,364
Balance at the end of period (in shares)	9,352	9,352	10,364
Non Vested Stock Awards, Weighted Average Grant Date Fair Value	'	'	'
Balance at the beginning of period (in dollars per share)	$4.42	$4.42	$4.43
Balance at the end of period (in dollars per share)	$4.42	$4.42	$4.43

OTHER_COMPREHENSIVE_LOSS_Detai

OTHER COMPREHENSIVE LOSS (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013		Dec. 31, 2012
Unrealized holding gains (losses) arising during period on:	'		'
Available-for-sale investments before tax	($81)		($129)
Tax benefit (expense)	30		44
Available-for-sale investments after tax	-51		-85
Reclassification adjustment for net gains realized on available-for-sale investments before tax	'	[1],[2]	-64	[1],[2]
Tax benefit (expense)	'	[1],[2]	26	[1],[2]
Reclassification adjustment for net gains realized on available-for-sale investments after tax	'	[1],[2]	-38	[1],[2]
Interest rate derivatives before tax	'		-20
Tax benefit (expense)	'		8
Interest rate derivatives after tax	'		-12
Other comprehensive gain (loss), net before tax	-81		-213
Tax benefit (expense), Total	30		78
Other comprehensive gain (loss), net	($51)		($135)

[1]	Realized gains on securities transactions included in gains on sales of investment securities in the accompanying Consolidated Statements of Operations
[2]	Tax effect included in income tax expense in the accompanying Consolidated Statements of Operations

FAIR_VALUE_DISCLOSURES_Details

FAIR VALUE DISCLOSURES (Details) (USD $)	Dec. 31, 2013	Sep. 30, 2013
In Thousands, unless otherwise specified	Dec. 31, 2013	Sep. 30, 2013
Fair value measured on recurring basis:	'	'
Securities available for sale	$15,215	$15,774
Obligations of U.S. government agencies Mortgage backed securities - residential	'	'
Fair value measured on recurring basis:	'	'
Securities available for sale	1,460	1,556
Obligations of U.S. government-sponsored enterprises Mortgage backed securities - residential	'	'
Fair value measured on recurring basis:	'	'
Securities available for sale	9,090	9,401
Obligations of U.S. government-sponsored enterprises Mortgage backed securities -commercial	'	'
Fair value measured on recurring basis:	'	'
Securities available for sale	3,938	4,002
Private label mortgage-backed securities-residential	'	'
Fair value measured on recurring basis:	'	'
Securities available for sale	727	815
Fair Value, Measurements, Recurring \| Level 2	'	'
Fair value measured on recurring basis:	'	'
Securities available for sale	15,215	15,774
Fair Value, Measurements, Recurring \| Level 2 \| Obligations of U.S. government agencies Mortgage backed securities - residential	'	'
Fair value measured on recurring basis:	'	'
Securities available for sale	1,460	1,556
Fair Value, Measurements, Recurring \| Level 2 \| Obligations of U.S. government-sponsored enterprises Mortgage backed securities - residential	'	'
Fair value measured on recurring basis:	'	'
Securities available for sale	9,090	9,401
Fair Value, Measurements, Recurring \| Level 2 \| Obligations of U.S. government-sponsored enterprises Mortgage backed securities -commercial	'	'
Fair value measured on recurring basis:	'	'
Securities available for sale	3,938	4,002
Fair Value, Measurements, Recurring \| Level 2 \| Private label mortgage-backed securities-residential	'	'
Fair value measured on recurring basis:	'	'
Securities available for sale	$727	$815

FAIR_VALUE_DISCLOSURES_Details1

FAIR VALUE DISCLOSURES (Details 1) (Fair Value Measured on a Nonrecurring Basis, USD $)	Dec. 31, 2013	Sep. 30, 2013
In Thousands, unless otherwise specified	Dec. 31, 2013	Sep. 30, 2013
Fair Value	'	'
Impaired loans	$351	$8,534
Other real estate owned	735	230
Assets measured at fair value on a non-recurring basis	1,086	8,764
Level 3	'	'
Impaired loans	351	8,534
Other real estate owned	735	230
Assets measured at fair value on a non-recurring basis	$1,086	$8,764

FAIR_VALUE_DISCLOSURES_Details2

FAIR VALUE DISCLOSURES (Details 2) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013
Impaired Loans \| Weighted Average	'
Fair value input- appraisal of collateral	-7.80%
Impaired Loans \| Minimum	'
Fair value input- appraisal of collateral	0.00%
Impaired Loans \| Maximum	'
Fair value input- appraisal of collateral	-8.00%
Impaired Loans \| Fair Value Measured on a Nonrecurring Basis	'
Fair value estimate	351
Valuation techniques and Unobservable Input	'Appraisal of collateral; Liquidation expenses	[1],[2]
Other Real Estate Owned \| Weighted Average	'
Fair value input- appraisal of collateral	-12.80%
Other Real Estate Owned \| Minimum	'
Fair value input- appraisal of collateral	-8.00%
Other Real Estate Owned \| Maximum	'
Fair value input- appraisal of collateral	-18.00%
Other Real Estate Owned \| Fair Value Measured on a Nonrecurring Basis	'
Fair value estimate	735
Valuation techniques and Unobservable Input	'Appraisal of collateral; Appraisal adjustments	[1],[2],[3]

[1]	Fair value is generally determined through independent appraisals for the underlying collateral, which generally include various level 3 inputes which are not identifiable.
[2]	Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal.
[3]	Includes qualitative adjustments by management and estimated liquidation expenses.

FAIR_VALUE_DISCLOSURES_Details3

FAIR VALUE DISCLOSURES (Details 3) (USD $)	Dec. 31, 2013	Sep. 30, 2013
In Thousands, unless otherwise specified	Dec. 31, 2013	Sep. 30, 2013
Financial instruments - assets	'	'
Fair value of investment securities - held to maturity	$50,854	$51,802
Carrying Amount	'	'
Financial instruments - assets	'	'
Fair value of investment securities - held to maturity	52,178	52,558
Loans	405,108	396,800
Financial instruments - liabilities	'	'
Certificate of deposit	155,396	153,841
Borrowings	45,700	32,100
Fair Value	'	'
Financial instruments - assets	'	'
Fair value of investment securities - held to maturity	50,854	51,802
Loans	407,393	401,064
Financial instruments - liabilities	'	'
Certificate of deposit	157,260	155,306
Borrowings	46,872	33,430
Level 2	'	'
Financial instruments - assets	'	'
Fair value of investment securities - held to maturity	50,854	51,802
Financial instruments - liabilities	'	'
Certificate of deposit	157,260	155,306
Borrowings	46,872	33,430
Level 3	'	'
Financial instruments - assets	'	'
Loans	$407,393	$401,064

INVESTMENT_SECURITIES_Details_

INVESTMENT SECURITIES (Details Narrative) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Investment Securities Details Narrative	'	'
Proceeds from sales of investment securities held to maturity	$3,036	'
Realized gains on sales of securities held to maturity	$36	'

INVESTMENT_SECURITIES_Details

INVESTMENT SECURITIES (Details) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Sep. 30, 2013
Available for sale securities	'	'
Amortized Cost	$15,477	$15,955
Gross Unrealized Gains	28	62
Gross Unrealized Losses	-290	-243
Fair Value	15,215	15,774
Obligations of U.S. government agencies Mortgage backed securities - residential	'	'
Available for sale securities	'	'
Amortized Cost	1,460	1,551
Gross Unrealized Gains	'	5
Fair Value	1,460	1,556
Obligations of U.S. government-sponsored enterprises Mortgage backed securities - residential	'	'
Available for sale securities	'	'
Amortized Cost	9,357	9,633
Gross Unrealized Gains	21	9
Gross Unrealized Losses	-288	-241
Fair Value	9,090	9,401
Obligations of U.S. government-sponsored enterprises Mortgage backed securities -commercial	'	'
Available for sale securities	'	'
Amortized Cost	3,939	3,963
Gross Unrealized Gains	'	39
Gross Unrealized Losses	-1	'
Fair Value	3,938	4,002
Private label mortgage-backed securities-residential	'	'
Available for sale securities	'	'
Amortized Cost	721	808
Gross Unrealized Gains	7	9
Gross Unrealized Losses	-1	-2
Fair Value	$727	$815

INVESTMENT_SECURITIES_Details_1

INVESTMENT SECURITIES (Details 1) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Sep. 30, 2013
Held to maturity securities	'	'
Amortized Cost	$52,178	$52,558
Gross Unrealized Gains	556	621
Gross Unrealized Losses	-1,880	-1,377
Fair Value	50,854	51,802
Obligations of U.S. government agencies Mortgage backed securities - residential	'	'
Held to maturity securities	'	'
Amortized Cost	8,952	9,455
Gross Unrealized Gains	196	231
Gross Unrealized Losses	-198	-121
Fair Value	8,950	9,565
Obligations of U.S. government agencies Mortgage backed securities -commercial	'	'
Held to maturity securities	'	'
Amortized Cost	1,216	1,433
Gross Unrealized Gains	'	'
Gross Unrealized Losses	-3	-3
Fair Value	1,213	1,430
Obligations of U.S. government-sponsored enterprises Mortgage backed securities - residential	'	'
Held to maturity securities	'	'
Amortized Cost	37,309	33,758
Gross Unrealized Gains	327	363
Gross Unrealized Losses	-1,300	-975
Fair Value	36,336	33,146
Obligations of U.S. government-sponsored enterprises Debt securities	'	'
Held to maturity securities	'	'
Amortized Cost	4,000	4,000
Gross Unrealized Gains	'	'
Gross Unrealized Losses	-372	-267
Fair Value	3,628	3,733
Private label mortgage-backed securities-residential	'	'
Held to maturity securities	'	'
Amortized Cost	690	901
Gross Unrealized Gains	33	27
Gross Unrealized Losses	-7	-11
Fair Value	716	917
Obligations of state and political subdivisions	'	'
Held to maturity securities	'	'
Amortized Cost	11	11
Fair Value	11	11
Corporate securities	'	'
Held to maturity securities	'	'
Amortized Cost	'	3,000
Fair Value	'	$3,000

INVESTMENT_SECURITIES_Details_2

INVESTMENT SECURITIES (Details 2) (USD $)	Dec. 31, 2013	Sep. 30, 2013
In Thousands, unless otherwise specified	Dec. 31, 2013	Sep. 30, 2013
Available for Sale Securities, Amortized Cost	'	'
Amortized Cost	$15,477	$15,955
Available for Sale Securities, Fair Value	'	'
Fair Value	15,215	15,774
Residential Mortgage Backed Securities	'	'
Available for Sale Securities, Amortized Cost	'	'
Amortized Cost	11,538	'
Available for Sale Securities, Fair Value	'	'
Fair Value	11,277	'
Commercial Mortgage Backed Securities	'	'
Available for Sale Securities, Amortized Cost	'	'
Amortized Cost	3,939	'
Available for Sale Securities, Fair Value	'	'
Fair Value	$3,938	'

INVESTMENT_SECURITIES_Details_3

INVESTMENT SECURITIES (Details 3) (USD $)	Dec. 31, 2013	Sep. 30, 2013
In Thousands, unless otherwise specified	Dec. 31, 2013	Sep. 30, 2013
Held to Maturity Securities, Amortized Cost	'	'
Total Amortized Cost	$52,178	$52,558
Held to Maturity Securities, Fair Value	'	'
Fair value	50,854	51,802
Total Debt Securities	'	'
Held to Maturity Securities, Amortized Cost	'	'
Due within 1 year	11	'
Due after 5 but within 10 years	1,000	'
Due after 10 years	3,000	'
Total Amortized Cost	4,011	'
Held to Maturity Securities, Fair Value	'	'
Due within 1 year	11	'
Due after 5 but within 10 years	899	'
Due after 10 years	2,729	'
Fair value	3,639	'
Residential Mortgage Backed Securities	'	'
Held to Maturity Securities, Amortized Cost	'	'
Total Amortized Cost	46,951	'
Held to Maturity Securities, Fair Value	'	'
Fair value	46,002	'
Commercial Mortgage Backed Securities	'	'
Held to Maturity Securities, Amortized Cost	'	'
Total Amortized Cost	1,216	'
Held to Maturity Securities, Fair Value	'	'
Fair value	$1,213	'

IMPAIRMENT_OF_INVESTMENT_SECUR2

IMPAIRMENT OF INVESTMENT SECURITIES (Details) (USD $)	Dec. 31, 2013	Sep. 30, 2013
In Thousands, unless otherwise specified	N	N
Available For Sale and Held To Maturity Securities	'	'
Number of Securities	37	33
Less than 12 Months, Fair Value	$41,388	$41,083
Less than 12 Months, Unrealized Losses	-1,745	-1,540
12 Months or Longer, Fair Value	6,088	1,746
12 Months or Longer, Unrealized Losses	-425	-80
Total, Fair Value	47,476	42,829
Total, Unrealized Losses	-2,170	-1,620
Obligations of U.S. government agencies Mortgage backed securities - residential	'	'
Available For Sale and Held To Maturity Securities	'	'
Number of Securities	3	3
Less than 12 Months, Fair Value	2,679	1,887
Less than 12 Months, Unrealized Losses	-89	-57
12 Months or Longer, Fair Value	962	1,099
12 Months or Longer, Unrealized Losses	-109	-64
Total, Fair Value	3,641	2,986
Total, Unrealized Losses	-198	-121
Obligations of U.S. government agencies Mortgage backed securities -commercial	'	'
Available For Sale and Held To Maturity Securities	'	'
Number of Securities	1	1
Less than 12 Months, Fair Value	1,214	1,430
Less than 12 Months, Unrealized Losses	-3	-3
Total, Fair Value	1,214	1,430
Total, Unrealized Losses	-3	-3
Obligations of U.S. government-sponsored enterprises Mortgage backed securities - residential	'	'
Available For Sale and Held To Maturity Securities	'	'
Number of Securities	26	22
Less than 12 Months, Fair Value	31,334	30,638
Less than 12 Months, Unrealized Losses	-1,505	-1,202
12 Months or Longer, Fair Value	3,337	626
12 Months or Longer, Unrealized Losses	-83	-14
Total, Fair Value	34,671	31,264
Total, Unrealized Losses	-1,588	-1,216
Obligations of U.S. government-sponsored enterprises Mortgage backed securities -commercial	'	'
Available For Sale and Held To Maturity Securities	'	'
Number of Securities	1	'
Less than 12 Months, Fair Value	3,938	'
Less than 12 Months, Unrealized Losses	-1	'
Total, Fair Value	3,938	'
Total, Unrealized Losses	-1	'
Obligations of U.S. government-sponsored enterprises Debt securities	'	'
Available For Sale and Held To Maturity Securities	'	'
Number of Securities	4	4
Less than 12 Months, Fair Value	1,860	3,732
Less than 12 Months, Unrealized Losses	-140	-267
12 Months or Longer, Fair Value	1,768	'
12 Months or Longer, Unrealized Losses	-232	'
Total, Fair Value	3,628	3,732
Total, Unrealized Losses	-372	-267
Private label mortgage-backed securities-residential	'	'
Available For Sale and Held To Maturity Securities	'	'
Number of Securities	2	2
Less than 12 Months, Fair Value	363	396
Less than 12 Months, Unrealized Losses	-7	-11
12 Months or Longer, Fair Value	21	21
12 Months or Longer, Unrealized Losses	-1	-2
Total, Fair Value	384	417
Total, Unrealized Losses	-8	-13
Corporate securities	'	'
Available For Sale and Held To Maturity Securities	'	'
Number of Securities	'	1
Less than 12 Months, Fair Value	'	3,000
Total, Fair Value	'	$3,000

LOANS_RECEIVABLE_NET_Details

LOANS RECEIVABLE, NET (Details) (USD $)	Dec. 31, 2013	Sep. 30, 2013
In Thousands, unless otherwise specified	Dec. 31, 2013	Sep. 30, 2013
Total loans receivable	$408,062	$399,566
Net deferred loan costs	246	247
Allowance for loan losses	-3,200	-3,013
Total loans receivable, net	405,108	396,800
One-to four-family residential	'	'
Total loans receivable	162,434	152,977
Commercial real estate	'	'
Total loans receivable	164,140	163,368
Construction	'	'
Total loans receivable	15,290	16,749
Home equity lines of credit	'	'
Total loans receivable	20,301	20,349
Commercial business	'	'
Total loans receivable	34,338	34,492
Other	'	'
Total loans receivable	$11,559	$11,631

LOANS_RECEIVABLE_NET_Details_1

LOANS RECEIVABLE, NET (Details 1) (USD $)	Dec. 31, 2013	Sep. 30, 2013
In Thousands, unless otherwise specified	Dec. 31, 2013	Sep. 30, 2013
Recorded Investment With Specific Allowance	$7,169	$7,224
Related Allowance	611	542
Recorded Investment With No Specific Allowance	15,775	18,084
Total Recorded Investment	22,944	25,308
Total Unpaid Contractual Principal Balance	26,388	29,147
One-to four-family residential	'	'
Recorded Investment With Specific Allowance	6,588	6,192
Related Allowance	573	513
Recorded Investment With No Specific Allowance	7,255	8,478
Total Recorded Investment	13,843	14,670
Total Unpaid Contractual Principal Balance	14,431	15,631
Commercial real estate	'	'
Recorded Investment With Specific Allowance	418	421
Related Allowance	4	7
Recorded Investment With No Specific Allowance	4,681	5,599
Total Recorded Investment	5,099	6,020
Total Unpaid Contractual Principal Balance	6,257	7,179
Construction	'	'
Recorded Investment With Specific Allowance	'	600
Related Allowance	'	11
Recorded Investment With No Specific Allowance	2,896	2,896
Total Recorded Investment	2,896	3,496
Total Unpaid Contractual Principal Balance	4,353	4,953
Home equity lines of credit	'	'
Recorded Investment With Specific Allowance	152	'
Related Allowance	23	'
Recorded Investment With No Specific Allowance	874	1,027
Total Recorded Investment	1,026	1,027
Total Unpaid Contractual Principal Balance	1,267	1,268
Commercial business	'	'
Recorded Investment With Specific Allowance	11	11
Related Allowance	11	11
Recorded Investment With No Specific Allowance	69	84
Total Recorded Investment	80	95
Total Unpaid Contractual Principal Balance	$80	$116

LOANS_RECEIVABLE_NET_Details_2

LOANS RECEIVABLE, NET (Details 2) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Average investment in impaired loans	$24,126	$21,336
One-to four-family residential	'	'
Average investment in impaired loans	14,257	7,142
Commercial real estate	'	'
Average investment in impaired loans	5,560	6,342
Construction	'	'
Average investment in impaired loans	3,196	5,141
Home equity lines of credit	'	'
Average investment in impaired loans	1,027	2,316
Commercial business	'	'
Average investment in impaired loans	88	390
Other	'	'
Average investment in impaired loans	'	$6

LOANS_RECEIVABLE_NET_Details_3

LOANS RECEIVABLE, NET (Details 3) (USD $)	Dec. 31, 2013	Sep. 30, 2013
In Thousands, unless otherwise specified	Dec. 31, 2013	Sep. 30, 2013
Total loans receivable	$408,062	$399,566
Pass	'	'
Total loans receivable	379,653	369,755
Special Mention	'	'
Total loans receivable	2,154	1,940
Substandard	'	'
Total loans receivable	26,255	27,871
One-to four-family residential	'	'
Total loans receivable	162,434	152,977
One-to four-family residential \| Pass	'	'
Total loans receivable	151,505	141,881
One-to four-family residential \| Special Mention	'	'
Total loans receivable	577	346
One-to four-family residential \| Substandard	'	'
Total loans receivable	10,352	10,750
Commercial real estate	'	'
Total loans receivable	164,140	163,368
Commercial real estate \| Pass	'	'
Total loans receivable	158,214	156,511
Commercial real estate \| Special Mention	'	'
Total loans receivable	1,113	1,128
Commercial real estate \| Substandard	'	'
Total loans receivable	4,813	5,729
Construction	'	'
Total loans receivable	15,290	16,749
Construction \| Pass	'	'
Total loans receivable	7,846	8,839
Construction \| Substandard	'	'
Total loans receivable	7,444	7,910
Home equity lines of credit	'	'
Total loans receivable	20,301	20,349
Home equity lines of credit \| Pass	'	'
Total loans receivable	17,930	17,988
Home equity lines of credit \| Special Mention	'	'
Total loans receivable	13	'
Home equity lines of credit \| Substandard	'	'
Total loans receivable	2,358	2,361
Commercial business	'	'
Total loans receivable	34,338	34,492
Commercial business \| Pass	'	'
Total loans receivable	32,599	32,905
Commercial business \| Special Mention	'	'
Total loans receivable	451	466
Commercial business \| Substandard	'	'
Total loans receivable	1,288	1,121
Other	'	'
Total loans receivable	11,559	11,631
Other \| Pass	'	'
Total loans receivable	$11,559	$11,631

LOANS_RECEIVABLE_NET_Details_4

LOANS RECEIVABLE, NET (Details 4) (USD $)	Dec. 31, 2013	Sep. 30, 2013
In Thousands, unless otherwise specified	Dec. 31, 2013	Sep. 30, 2013
Aging analysis of past due loans	'	'
Current	$390,561	$383,282
30-59 Days Past Due	1,500	250
60-89 Days Past Due	857	378
90 Days + Past Due	15,144	15,656
Total Past Due	17,501	16,284
Non - Accrual	15,144	15,656
Total loans receivable	408,062	399,566
One-to four-family residential	'	'
Aging analysis of past due loans	'	'
Current	153,446	144,084
60-89 Days Past Due	22	378
90 Days + Past Due	8,966	8,515
Total Past Due	8,988	8,893
Non - Accrual	8,966	8,515
Total loans receivable	162,434	152,977
Commercial real estate	'	'
Aging analysis of past due loans	'	'
Current	160,879	160,624
60-89 Days Past Due	835	'
90 Days + Past Due	2,426	2,744
Total Past Due	3,261	2,744
Non - Accrual	2,426	2,744
Total loans receivable	164,140	163,368
Construction	'	'
Aging analysis of past due loans	'	'
Current	12,394	13,223
90 Days + Past Due	2,896	3,526
Total Past Due	2,896	3,526
Non - Accrual	2,896	3,526
Total loans receivable	15,290	16,749
Home equity lines of credit	'	'
Aging analysis of past due loans	'	'
Current	19,010	19,253
30-59 Days Past Due	446	250
90 Days + Past Due	845	846
Total Past Due	1,291	1,096
Non - Accrual	845	846
Total loans receivable	20,301	20,349
Commercial business	'	'
Aging analysis of past due loans	'	'
Current	33,273	34,467
30-59 Days Past Due	1,054	'
90 Days + Past Due	11	25
Total Past Due	1,065	25
Non - Accrual	11	25
Total loans receivable	34,338	34,492
Other	'	'
Aging analysis of past due loans	'	'
Current	11,559	11,631
Total loans receivable	$11,559	$11,631

LOANS_RECEIVABLE_NET_Details_5

LOANS RECEIVABLE, NET (Details 5) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Activity in the allowance for loan losses by loan category:	'	'
Balance at beginning of period	$3,013	$3,858
Charge-offs	-183	205
Recoveries	11	'
Provision	359	441
Balance at the end of period	3,200	4,094
One-to four-family residential	'	'
Activity in the allowance for loan losses by loan category:	'	'
Balance at beginning of period	844	610
Charge-offs	-108	-192
Recoveries	9	'
Provision	254	251
Balance at the end of period	999	668
Commercial real estate	'	'
Activity in the allowance for loan losses by loan category:	'	'
Balance at beginning of period	852	1,929
Provision	-7	-85
Balance at the end of period	845	1,844
Construction	'	'
Activity in the allowance for loan losses by loan category:	'	'
Balance at beginning of period	604	640
Charge-offs	-75	'
Provision	29	-169
Balance at the end of period	558	471
Home equity lines of credit	'	'
Activity in the allowance for loan losses by loan category:	'	'
Balance at beginning of period	125	232
Provision	12	1
Balance at the end of period	137	233
Commercial business	'	'
Activity in the allowance for loan losses by loan category:	'	'
Balance at beginning of period	452	383
Recoveries	2	'
Provision	72	406
Balance at the end of period	526	789
Other	'	'
Activity in the allowance for loan losses by loan category:	'	'
Balance at beginning of period	9	23
Charge-offs	'	-13
Provision	-9	8
Balance at the end of period	'	18
Unallocated	'	'
Activity in the allowance for loan losses by loan category:	'	'
Balance at beginning of period	127	41
Provision	8	29
Balance at the end of period	$135	$70

LOANS_RECEIVABLE_NET_Details_6

LOANS RECEIVABLE, NET (Details 6) (USD $)	Dec. 31, 2013	Sep. 30, 2013
In Thousands, unless otherwise specified	Dec. 31, 2013	Sep. 30, 2013
Allowance for Loan Losses:	'	'
Balance - Allowance for loans losses	$3,200	$3,013
Individually evaluated for impairment	611	542
Collectively evaluated for impairment	2,589	2,471
Balance - Loans receivable	408,062	399,566
Loan balance individually evaluated for impairment	22,944	25,308
Loan balance collectively evaluated for impairment	358,118	374,258
One-to four-family residential	'	'
Allowance for Loan Losses:	'	'
Individually evaluated for impairment	573	513
Collectively evaluated for impairment	426	331
Balance - Loans receivable	162,434	152,977
Loan balance individually evaluated for impairment	13,843	14,670
Loan balance collectively evaluated for impairment	148,591	138,307
Commercial real estate	'	'
Allowance for Loan Losses:	'	'
Individually evaluated for impairment	4	7
Collectively evaluated for impairment	841	845
Balance - Loans receivable	164,140	163,368
Loan balance individually evaluated for impairment	5,099	6,020
Loan balance collectively evaluated for impairment	159,041	157,348
Construction	'	'
Allowance for Loan Losses:	'	'
Individually evaluated for impairment	'	11
Collectively evaluated for impairment	558	593
Balance - Loans receivable	15,290	16,749
Loan balance individually evaluated for impairment	2,896	3,496
Loan balance collectively evaluated for impairment	12,394	13,253
Home equity lines of credit	'	'
Allowance for Loan Losses:	'	'
Individually evaluated for impairment	23	'
Collectively evaluated for impairment	114	125
Balance - Loans receivable	20,301	20,349
Loan balance individually evaluated for impairment	1,026	1,027
Loan balance collectively evaluated for impairment	19,275	19,322
Commercial business	'	'
Allowance for Loan Losses:	'	'
Individually evaluated for impairment	11	11
Collectively evaluated for impairment	515	441
Balance - Loans receivable	34,338	34,492
Loan balance individually evaluated for impairment	80	95
Loan balance collectively evaluated for impairment	34,258	34,397
Other	'	'
Allowance for Loan Losses:	'	'
Collectively evaluated for impairment	'	9
Balance - Loans receivable	11,559	11,631
Loan balance collectively evaluated for impairment	11,559	11,631
Unallocated	'	'
Allowance for Loan Losses:	'	'
Balance - Allowance for loans losses	135	127
Collectively evaluated for impairment	$135	$127

LOANS_RECEIVABLE_NET_Details_7

LOANS RECEIVABLE, NET (Details 7) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013
	N
Number of Loans	1
Investment Before TDR Modification	$67
Investment After TDR Modification	67
Construction	'
Number of Loans	1
Investment Before TDR Modification	67
Investment After TDR Modification	$67

DEPOSITS_Details

DEPOSITS (Details) (USD $)	Dec. 31, 2013	Sep. 30, 2013
In Thousands, unless otherwise specified	Dec. 31, 2013	Sep. 30, 2013
Deposits Details	'	'
Demand accounts	$84,137	$98,345
Savings accounts	50,713	53,291
NOW accounts	45,632	40,500
Money market accounts	104,786	107,351
Certificates of deposit	128,702	125,696
Retirement accounts	26,694	28,145
Deposits, Total	$440,664	$453,328

INCOME_TAXES_Details_Narrative

INCOME TAXES (Details Narrative)	3 Months Ended
INCOME TAXES (Details Narrative)	Dec. 31, 2013
Income Taxes Details Narrative	'
Federal statutory tax rate	34.00%

INCOME_TAXES_Details

INCOME TAXES (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
Income Taxes Details	'	'
Income tax expense at statutory tax rate	$59	$141
State income taxes	11	24
Other	-29	-33
Income tax expense	$41	$132

FINANCIAL_INSTRUMENTS_WITH_OFF2

FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Details) (USD $)	Dec. 31, 2013	Sep. 30, 2013
In Thousands, unless otherwise specified	Dec. 31, 2013	Sep. 30, 2013
Financial instruments - contract amounts	$59,043	$49,804
Letters of credit	'	'
Financial instruments - contract amounts	884	1,450
Unused lines of credit	'	'
Financial instruments - contract amounts	45,840	38,823
Fixed rate loan commitments	'	'
Financial instruments - contract amounts	1,381	2,546
Variable rate loan commitments	'	'
Financial instruments - contract amounts	$10,938	$6,985