Magyar Bancorp (MGYR) 10-Q 13 May 15 2015 Q2 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information	6 Months Ended
	Mar. 31, 2015	1-May-15
Document and Entity Information [Abstract]
Entity Registrant Name	Magyar Bancorp, Inc.
Entity Central Index Key	1337068
Amendment Flag	FALSE
Document Type	10-Q
Document Fiscal Period Focus	Q2
Document Fiscal Year Focus	2015
Document Period End Date	31-Mar-15
Current Fiscal Year End Date	-21
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Filer Category	Smaller Reporting Company
Entity Common Stock, Shares Outstanding		5,815,444

Consolidated_Balance_Sheets

Consolidated Balance Sheets (USD $)	Mar. 31, 2015	Sep. 30, 2014
In Thousands, unless otherwise specified
Assets
Cash	$1,183	$1,205
Interest earning deposits with banks	20,845	9,053
Total cash and cash equivalents	22,028	10,258
Investment securities - available for sale, at fair value	6,310	12,070
Investment securities - held to maturity, at amortized cost (fair value of $51,317 and $48,822 at March 31, 2015 and September 30, 2014, respectively)	50,545	48,963
Federal Home Loan Bank of New York stock, at cost	1,793	1,761
Loans receivable, net of allowance for loan losses of $2,814 and $2,835 at March 31, 2015 and September 30, 2014, respectively	408,696	404,195
Bank owned life insurance	10,811	10,658
Accrued interest receivable	1,698	1,672
Premises and equipment, net	18,199	18,580
Other real estate owned ("OREO")	15,531	17,342
Other assets	4,767	4,931
Total assets	540,378	530,430
Liabilities
Deposits	462,908	448,451
Escrowed funds	1,263	1,157
Federal Home Loan Bank of New York advances	26,201	25,500
Securities sold under agreements to repurchase		5,000
Accrued interest payable	83	119
Accounts payable and other liabilities	3,514	4,271
Total liabilities	493,969	484,498
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; 5,815,444 shares outstanding at March 31, 2015 and September 30, 2014	59	59
Additional paid-in capital	26,295	26,295
Treasury stock: 108,298 shares at March 31, 2015 and September 30, 2014, at cost	-1,211	-1,211
Unearned Employee Stock Ownership Plan shares	-815	-877
Retained earnings	22,711	22,382
Accumulated other comprehensive loss	-630	-716
Total stockholders' equity	46,409	45,932
Total liabilities and stockholders' equity	$540,378	$530,430

Consolidated_Balance_Sheets_Pa

Consolidated Balance Sheets (Parenthetical) (USD $)	Mar. 31, 2015	Sep. 30, 2014
In Thousands, except Share data, unless otherwise specified
Consolidated Balance Sheets [Abstract]
Fair value of investment securities - held to maturity	$51,317	$48,822
Allowance for loan losses	$2,814	$2,835
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	5,815,444	5,815,444
Treasury stock, shares	108,298	108,298

Consolidated_Statements_of_Ope

Consolidated Statements of Operations (USD $)	3 Months Ended		6 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2015	Mar. 31, 2014
Interest and dividend income
Loans, including fees	$4,432	$4,438	$8,883	$8,977
Investment securities
Taxable	331	343	661	756
Federal Home Loan Bank of New York stock	20	28	44	49
Total interest and dividend income	4,783	4,809	9,588	9,782
Interest expense
Deposits	596	615	1,198	1,260
Borrowings	170	248	381	529
Total interest expense	766	863	1,579	1,789
Net interest and dividend income	4,017	3,946	8,009	7,993
Provision for loan losses	170	381	590	740
Net interest and dividend income after provision for loan losses	3,847	3,565	7,419	7,253
Other income
Service charges	240	182	440	387
Income on bank owned life insurance	76	83	153	165
Other operating income	32	32	55	47
Gains on sales of loans	93	73	326	102
Gains on sales of investment securities	12		42	36
Total other income	453	370	1,016	737
Other expenses
Compensation and employee benefits	2,057	1,940	4,060	3,874
Occupancy expenses	733	732	1,436	1,451
Professional fees	260	233	553	500
Data processing expenses	148	144	293	287
OREO expenses	130	174	241	360
FDIC deposit insurance premiums	178	181	358	362
Loan servicing expenses	79	118	157	253
Insurance expense	56	56	114	114
Other expenses	460	304	770	567
Total other expenses	4,101	3,882	7,982	7,768
Income before income tax expense (benefit)	199	53	453	222
Income tax expense (benefit)	52	-10	124	29
Net income	$147	$63	$329	$193
Net income per share-basic and diluted	$0.03	$0.01	$0.06	$0.03

Consolidated_Statements_of_Com

Consolidated Statements of Comprehensive Income (USD $)	3 Months Ended				6 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015		Mar. 31, 2014		Mar. 31, 2015		Mar. 31, 2014
Consolidated Statements of Comprehensive Income [Abstract]
Net income	$147		$63		$329		$193
Other comprehensive income
Net unrealized gain on securities available for sale	87		103		178		59
Realized gains on sales of securities available for sale	-12	[1],[2]		[1],[2]	-42	[1],[2]	-36	[1],[2]
Other comprehensive income, before tax	75		103		136		23
Deferred income tax effect	-28		-38		-50		-9
Total other comprehensive income	47		65		86		14
Total comprehensive income	$194		$128		$415		$207
[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 (USD $)	Common Stock	Additional Paid-In Capital	Treasury Stock	Unearned ESOP Shares	Retained Earnings	Accumulated Other Comprehensive Loss	Total
In Thousands, except Share data
Balance, at Sep. 30, 2013	$59	$26,322	($1,256)	($1,002)	$21,835	($638)	$45,320
Balance, shares at Sep. 30, 2013	5,811,394
Net income					193		193
Other comprehensive income (loss)						14	14
ESOP shares allocated		-15		63			48
Stock-based compensation expense		9					9
Balance, at Mar. 31, 2014	59	26,316	-1,256	-939	22,028	-624	45,584
Balance, shares at Mar. 31, 2014	5,811,394
Balance, at Sep. 30, 2014	59	26,295	-1,211	-877	22,382	-716	45,932
Balance, shares at Sep. 30, 2014	5,815,444
Net income					329		329
Other comprehensive income (loss)						86	86
ESOP shares allocated		-9		62			53
Stock-based compensation expense		9					9
Balance, at Mar. 31, 2015	$59	$26,295	($1,211)	($815)	$22,711	($630)	$46,409
Balance, shares at Mar. 31, 2015	5,815,444

Consolidated_Statements_of_Cas

Consolidated Statements of Cash Flows (USD $)	6 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Operating activities
Net income	$329	$193
Adjustment to reconcile net income to net cash provided by operating activities
Depreciation expense	446	464
Premium amortization on investment securities, net	146	153
Provision for loan losses	590	740
Provision for loss on other real estate owned	25	167
Proceeds from the sales of loans	4,441	2,509
Gains on sale of loans	-326	-102
Gains on sales of investment securities	-42	-36
(Gains) losses on the sales of other real estate owned	-43	11
ESOP compensation expense	53	48
Stock-based compensation expense	9	9
Deferred income tax expense (benefit)	195	-34
(Increase) decrease in accrued interest receivable	-26	15
Increase in surrender value bank owned life insurance	-153	-165
Increase in other assets	-80	-334
Decrease in accrued interest payable	-36	-9
Decrease in accounts payable and other liabilities	-757	-2,210
Net cash provided by operating activities	4,771	1,419
Investing activities
Net increase in loans receivable	-11,198	-7,365
Purchases of loans receivable	-674	-5,514
Purchases of investment securities held to maturity	-4,132	-4,419
Sales of investment securities held to maturity		3,036
Sales of investment securities available for sale	5,421
Principal repayments on investment securities held to maturity	2,467	2,864
Principal repayments on investment securities available for sale	453	4,625
Purchases of premises and equipment	-65	-25
Investment in other real estate owned	-283	-4
Proceeds from the sale of other real estate owned	4,778	312
Purchase of Federal Home Loan Bank stock	-32	-85
Net cash used by investing activities	-3,265	-6,575
Financing activities
Net increase (decrease) in deposits	14,457	-1,181
Net increase in escrowed funds	106	114
Proceeds from long-term advances	5,701	7,100
Repayments of long-term advances	-5,000	-5,200
Repayments of securities sold under agreements to repurchase	-5,000
Net cash provided by financing activities	10,264	833
Net increase (decrease) in cash and cash equivalents	11,770	-4,323
Cash and cash equivalents, beginning of period	10,258	17,792
Cash and cash equivalents, end of period	22,028	13,469
Cash paid for
Interest	1,615	1,798
Income taxes	14	9
Non-cash investing activities
Real estate acquired in full satisfaction of loans in foreclosure	$2,666	$1,325

BASIS_OF_PRESENTATION

BASIS OF PRESENTATION	6 Months Ended
	Mar. 31, 2015
BASIS OF PRESENTATION [Abstract]
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 and six months ended March 31, 2015 are not necessarily indicative of the results that may be expected for the year ending September 30, 2015. The September 30, 2014 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 March 31, 2015 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	6 Months Ended
	Mar. 31, 2015
RECENT ACCOUNTING PRONOUNCEMENTS [Abstract]
RECENT ACCOUNTING PRONOUNCEMENTS	NOTE B- RECENT ACCOUNTING PRONOUNCEMENTS
	In January 2014, the Financial Accounting Standards Board (FASB) issued an accounting standard update (ASU 2014-04) related to; Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40) Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure.  The update applies to all creditors who obtain physical possession of residential real estate property collateralizing a consumer mortgage loan in satisfaction of a receivable.  The amendments in this update clarify when an in-substance repossession or foreclosure occurs and requires disclosure of both (1) the amount of foreclosed residential real estate property held by a creditor and (2) 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 amendments in the update are effective for public business entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2014.  The Company foreclosed $6.7 million of residential real estate loans, and $3.8 million of consumer mortgage loans collateralized by residential real estate property are in the process of foreclosure at March 31, 2015.
	In May 2014, FASB issued ASU 2014-09 Revenue from Contracts with Customers (Topic 606). ASU 2014-09 affects any entity using U.S. GAAP that either enters into contracts with customers to transfer goods or services or enters into contracts for the transfer of nonfinancial assets unless those contracts are within the scope of other standards (e.g., insurance contracts or lease contracts). This ASU will supersede the revenue recognition requirements in Topic 605, Revenue Recognition, and most industry-specific guidance. This ASU also supersedes some cost guidance included in Subtopic 605-35, Revenue Recognition—Construction-Type and Production-Type Contracts. In addition, the existing requirements for the recognition of a gain or loss on the transfer of nonfinancial assets that are not in a contract with a customer (e.g., assets within the scope of Topic 360, Property, Plant, and Equipment, and intangible assets within the scope of Topic 350, Intangibles—Goodwill and Other) are amended to be consistent with the guidance on recognition and measurement (including the constraint on revenue) in this ASU.
	The core principle of the guidance is that an entity should recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. To achieve that core principle, an entity should apply the following steps:
	Step 1: Identify the contract(s) with a customer.
	Step 2: Identify the performance obligations in the contract.
	Step 3: Determine the transaction price.
	Step 4: Allocate the transaction price to the performance obligations in the contract.
	Step 5: Recognize revenue when (or as) the entity satisfies a performance obligation.
	For a public business entity, the amendments in this ASU are effective for annual reporting periods beginning after December 15, 2016, including interim periods within that reporting period. Early application is not permitted. The FASB has proposed a one year delay in the effective date of this amendment. The Company is currently analyzing the impact of the guidance on its financial statements.
	An entity should apply the amendments in this ASU using one of the following two methods:
	Retrospectively to each prior reporting period presented and the entity may elect any of the following practical expedients:
		•	For completed contracts, an entity need not restate contracts that begin and end within the same annual reporting period.
		•	For completed contracts that have variable consideration, an entity may use the transaction price at the date the contract was completed rather than estimating variable consideration amounts in the comparative reporting periods.
		•	For all reporting periods presented before the date of initial application, an entity need not disclose the amount of the transaction price allocated to remaining performance obligations and an explanation of when the entity expects to recognize that amount as revenue.
	Retrospectively with the cumulative effect of initially applying this ASU recognized at the date of initial application. If an entity elects this transition method it also should provide the additional disclosures in reporting periods that include the date of initial application of:
		•	The amount by which each financial statement line item is affected in the current reporting period by the application of this ASU as compared to the guidance that was in effect before the change.
		•	An explanation of the reasons for significant changes.

CONTINGENCIES

CONTINGENCIES	6 Months Ended
	Mar. 31, 2015
CONTINGENCIES [Abstract]
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	6 Months Ended
	Mar. 31, 2015
EARNINGS PER SHARE [Abstract]
EARNINGS PER SHARE	NOTE D - EARNINGS PER SHARE
	Basic and diluted earnings per share for the three and six months ended March 31, 2015 and 2014 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 and six months ended March 31, 2015 and the three and six months ended March 31, 2014. The following table shows the Company's earnings per share for the periods presented:
		For the Three Months				For the Six Months
		Ended March 31,				Ended March 31,
		2015		2014		2015		2014
		(In thousands except for per share data)
	Income applicable to common shares	$	147	$	63	$	329	$	193
	Weighted average number of common shares
	outstanding - basic		5,819		5,814		5,818		5,814
	Weighted average number of common shares
	and common share equivalents - diluted		5,819		5,814		5,818		5,814
	Basic earnings per share	$	0.03	$	0.01	$	0.06	$	0.03
	Diluted earnings per share	$	0.03	$	0.01	$	0.06	$	0.03
	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 and six months ended March 31, 2015 because the grant (or option strike) price was greater than the average market price of the common shares during the period. 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 and six months ended March 31, 2014 because the grant (or option strike) price was greater than the average market price of the common shares during the period.

STOCKBASED_COMPENSATION_AND_ST

STOCK-BASED COMPENSATION AND STOCK REPURCHASE PROGRAM	6 Months Ended
	Mar. 31, 2015
STOCK-BASED COMPENSATION AND STOCK REPURCHASE PROGRAM [Abstract]
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 six months ended March 31, 2015:
						Weighted
				Weighted		Average		Aggregate
		Number of		Average		Remaining		Intrinsic
		Stock Options		Exercise Price		Contractual Life		Value
	Balance at September 30, 2014		188,276	$	14.61
	Granted		—		—
	Exercised		—		—
	Forfeited		—		—
	Balance at March 31, 2015		188,276	$	14.61		1.9 years	$	—
	Exercisable at March 31, 2015		188,276	$	14.61		1.9 years	$	—
	The following is a summary of the Company's non-vested stock awards as of March 31, 2015 and changes during the six months ended March 31, 2015:
				Weighted
				Average
		Number of		Grant Date
		Stock Awards		Fair Value
	Balance at September 30, 2014		5,302	$	4.41
	Granted		—		—
	Vested		—		—
	Forfeited		—		—
	Balance at March 31, 2015		5,302	$	4.41
	Stock option and stock award expenses included with compensation expense were $0 and $9,000, respectively, for the six months ended March 31, 2015 and $0 and $9,000, respectively, for the six months ended March 31, 2014.
	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 March 31, 2015, 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 six months ended March 31, 2015. Under the stock repurchase program, 48,924 shares of the 129,924 shares authorized remained available for repurchase as of March 31, 2015. 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 1st to the then published Prime Rate (3.25% at January 1, 2015) 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 March 31, 2015, shares allocated to participants totaled 128,436. Unallocated ESOP shares held in suspense totaled 89,426 at March 31, 2015 and had a fair market value of $752,967. The Company's contribution expense for the ESOP was $53,000 and $48,000 for the six months ended March 31, 2015 and 2014, respectively.

OTHER_COMPREHENSIVE_INCOME_LOS

OTHER COMPREHENSIVE INCOME (LOSS)	6 Months Ended
	Mar. 31, 2015
OTHER COMPREHENSIVE INCOME (LOSS) [Abstract]
OTHER COMPREHENSIVE INCOME (LOSS)	NOTE F – OTHER COMPREHENSIVE INCOME (LOSS)
	The components of other comprehensive income (loss) and the related income tax effects are as follows:
			Three Months Ended March 31,
			2015									2014
						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
	arising during period on:
	Available-for-sale investments		$	87		$	(33	)	$	54		$	103		$	(38	)	$	65
	Less reclassification adjustment for net
	realized on available-for-sale investments (a) (b)			(12	)		5			(7	)		—			—			—
	Other comprehensive income, net		$	75		$	(28	)	$	47		$	103		$	(38	)	$	65
			Six Months Ended March 31,
			2015									2014
						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
	arising during period on:
	Available-for-sale investments		$	178		$	(67	)	$	111		$	59		$	(23	)	$	36
	Less reclassification adjustment for net
	realized on available-for-sale investments (a) (b)			(42	)		17			(25	)		(36	)		14			(22	)
	Other comprehensive income, net		$	136		$	(50	)	$	86		$	23		$	(9	)	$	14
	(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	6 Months Ended
	Mar. 31, 2015
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 March 31, 2015
			Total		Level 1			Level 2		Level 3
			(Dollars in thousands)
	Securities available for sale:
	Obligations of U.S. government-sponsored enterprises:
	Mortgage-backed securities-residential			6,088		—			6,088		—
	Private label mortgage-backed securities-residential			222		—			222		—
	Total securities available for sale		$	6,310	$	—		$	6,310	$	—
			Fair Value at September 30, 2014
			Total		Level 1			Level 2		Level 3
			(Dollars in thousands)
	Securities available for sale:
	Obligations of U.S. government agencies:
	Mortgage-backed securities - residential		$	1,295	$	—		$	1,295	$	—
	Obligations of U.S. government-sponsored enterprises:
	Mortgage-backed securities-residential			10,369		—			10,369		—
	Private label mortgage-backed securities-residential			406		—			406		—
	Total securities available for sale		$	12,070	$	—		$	12,070	$	—
	The following is a description of valuation methodologies used for assets measured at fair value on a non-recurring basis.
	Mortgage Servicing Rights, net
	Mortgage Servicing Rights (MSRs) are carried at the lower of cost or estimated fair value. The estimated fair value of MSR is determined through a calculation of future cash flows, incorporating estimates of assumptions market participants would use in determining fair value including market discount rates, prepayment speeds, servicing income, servicing costs, default rates and other market driven data, including the market's perception of future interest rate movements and, as such, are classified as Level 3.
	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 the lost 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 March 31, 2015 and September 30, 2014
			Fair Value at March 31, 2015
			Total		Level 1			Level 2		Level 3
			(Dollars in thousands)
	Impaired loans		$	2,475	$	—		$	—	$	2,475
	Other real estate owned			2,998		—			—		2,998
			$	5,473	$	—		$	—	$	5,473
			Fair Value at September 30, 2014
			Total		Level 1			Level 2		Level 3
			(Dollars in thousands)
	Impaired loans		$	3,101	$	—		$	—	$	3,101
	Other real estate owned			5,850		—			—		5,850
			$	8,951	$	—		$	—	$	8,951
	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-Mar-15		Estimate		Techniques		Unobservable Input	Range (Weighted Average)
	Impaired loans		$	2,475	Appraisal of collateral (1)		Liquidation expenses (2)	-16.0% to -18.0% (-16.6%)
	Other real estate owned		$	2,998	Appraisal of collateral (1), (3)		Appraisal adjustments (2)	-8.0% to -29.5% (-19.1%)
		(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 March 31, 2015 and September 30, 2014.  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 being payable on demand and having no stated maturity.
		Carrying		Fair			Fair Value Measurement Placement
		Value		Value			(Level 1)		(Level 2)		(Level 3)
		(Dollars in thousands)
31-Mar-15
Financial instruments - assets
Investment securities held-to-maturity		$	50,545	$	51,317		$	—	$	51,317	$	—
Loans			408,696		415,113			—		—		415,113
Financial instruments - liabilities
Certificates of deposit			132,646		134,002			—		134,002		—
Borrowings			26,201		26,901			—		26,901		—
30-Sep-14
Financial instruments - assets
Investment securities held to maturity		$	48,963	$	48,822			—	$	48,822	$	—
Loans			404,195		407,947			—		—		407,947
Financial instruments - liabilities
Certificate of deposit			149,875		151,652			—		151,652		—
Borrowings			30,500		31,045			—		31,045		—
There were no transfers between fair value measurement placements for the three and six months ended March 31, 2015.

INVESTMENT_SECURITIES

INVESTMENT SECURITIES	6 Months Ended
	Mar. 31, 2015
INVESTMENT SECURITIES [Abstract]
INVESTMENT SECURITIES	NOTE H - INVESTMENT SECURITIES
	The following tables summarize the amortized cost and fair values of securities available for sale at March 31, 2015 and September 30, 2014:
		31-Mar-15
				Gross		Gross
		Amortized		Unrealized		Unrealized			Fair
		Cost		Gains		Losses			Value
		(Dollars in thousands)
	Securities available for sale:
	Obligations of U.S. government-sponsored enterprises:
	Mortgage-backed securities-residential		6,065		53		(30	)		6,088
	Private label mortgage-backed securities-residential		222		1		(1	)		222
	Total securities available for sale		6,287		54		(31	)		6,310
		30-Sep-14
				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	$	1,294	$	1	$	—		$	1,295
	Obligations of U.S. government-sponsored enterprises:
	Mortgage-backed securities-residential		10,485		39		(155	)		10,369
	Private label mortgage-backed securities-residential		404		3		(1	)		406
	Total securities available for sale	$	12,183	$	43	$	(156	)	$	12,070
	The maturities of the debt securities and mortgage-backed securities available for sale at March 31, 2015 are summarized in the following table:
		31-Mar-15
		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		6,287		6,310
	Commercial		—		—
	Total	$	6,287	$	6,310
	The following tables summarize the amortized cost and fair values of securities held to maturity at March 31, 2015 and September 30, 2014:
		31-Mar-15
				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	$	6,472	$	220	$	(86	)	$	6,606
	Mortgage-backed securities - commercial		1,135		—		(2	)		1,133
	Obligations of U.S. government-sponsored enterprises:
	Mortgage-backed-securities - residential		37,370		756		(85	)		38,041
	Debt securities		5,000		—		(36	)		4,964
	Private label mortgage-backed securities - residential		568		10		(5	)		573
	Total securities held to maturity	$	50,545	$	986	$	(214	)	$	51,317
		30-Sep-14
				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	$	7,308	$	223	$	(139	)	$	7,392
	Mortgage-backed securities - commercial		1,168		—		—			1,168
	Obligations of U.S. government-sponsored enterprises:
	Mortgage-backed securities - residential		36,894		413		(507	)		36,800
Debt securities		3,000		—		(152	)		2,848
Private label mortgage-backed securities - residential		593		25		(4	)		614
Total securities held to maturity	$	48,963	$	661	$	(802	)	$	48,822
The maturities of the debt securities and the mortgage backed securities held to maturity at March 31, 2015 are summarized in the following table:
	31-Mar-15
	Amortized		Fair
	Cost		Value
	(Dollars in thousands)
Due within 1 year	$	—	$	—
Due after 1 but within 5 years		2,000		1,992
Due after 5 but within 10 years		2,000		1,973
Due after 10 years		1,000		999
Total debt securities		5,000		4,964
Mortgage-backed securities:
Residential		44,410		45,220
Commercial		1,135		1,133
Total	$	50,545	$	51,317

IMPAIRMENT_OF_INVESTMENT_SECUR

IMPAIRMENT OF INVESTMENT SECURITIES	6 Months Ended
	Mar. 31, 2015
IMPAIRMENT OF INVESTMENT SECURITIES [Abstract]
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 March 31, 2015 and September 30, 2014 for both available for sale and held to maturity securities by investment category and time frame for which the loss has been outstanding:
				31-Mar-15
				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	$	—	$	—		$	2,629	$	(86	)	$	2,629	$	(86	)
	Mortgage-backed securities - commercial		1		—		—			1,133		(2	)		1,133		(2	)
	Obligations of U.S. government-sponsored enterprises
	Mortgage-backed securities - residential		9		2,077		(30	)		12,232		(85	)		14,309		(115	)
	Debt securities		4		1,992		(8	)		2,972		(28	)		4,964		(36	)
	Private label mortgage-backed securities residential		2		19		(1	)		242		(5	)		261		(6	)
	Total		19	$	4,088	$	(39	)	$	19,208	$	(206	)	$	23,296	$	(245	)
				30-Sep-14
				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	$	—	$	—		$	2,918	$	(139	)	$	2,918	$	(139	)
	Mortgage-backed securities - commercial		1		—		—			1,168		—			1,168		—
	Obligations of U.S. government-sponsored enterprises
	Mortgage-backed securities - residential		20		12,114		(80	)		19,960		(582	)		32,074		(662	)
	Debt securities		3		—		—			2,848		(152	)		2,848		(152	)
	Private label mortgage-backed securities residential		2		20		(1	)		273		(4	)		293		(5	)
	Total		29	$	12,134	$	(81	)	$	27,167	$	(877	)	$	39,301	$	(958	)
	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 March 31, 2015 and September 30, 2014, there were nineteen and twenty nine, 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 March 31, 2015 and September 30, 2014.

LOANS_RECEIVABLE_NET_AND_RELAT

LOANS RECEIVABLE, NET AND RELATED ALLOWANCE FOR LOAN LOSSES	6 Months Ended
	Mar. 31, 2015
LOANS RECEIVABLE, NET AND RELATED ALLOWANCE FOR LOAN LOSSES [Abstract]
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:
		March 31,			September 30,
		2015			2014
		(Dollars in thousands)
	One-to four-family residential	$	157,950		$	160,335
	Commercial real estate		172,890			169,449
	Construction		13,011			12,232
	Home equity lines of credit		20,487			19,366
	Commercial business		36,674			35,035
	Other		10,325			10,396
	Total loans receivable		411,337			406,813
	Net deferred loan costs		173			217
	Allowance for loan losses		(2,814	)		(2,835	)
	Total loans receivable, net	$	408,696		$	404,195
	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 March 31, 2015	Investment			Allowance			Investment			Investment			Balance
		(Dollars in thousands)
	One-to four-family residential	$	—		$	—		$	5,795		$	5,795		$	6,310
	Commercial real estate		—			—			5,517			5,517			6,549
	Construction		—			—			1,701			1,701			2,477
	Home equity lines of credit		—			—			838			838			1,125
	Commercial business		1,610			120			157			1,767			1,767
	Total impaired loans	$	1,610		$	120		$	14,008		$	15,618		$	18,228
								Impaired Loans
		Impaired Loans with						with No Specific
		Specific Allowance						Allowance			Total Impaired Loans
														Unpaid
		Recorded			Related			Recorded			Recorded			Principal
	At September 30, 2014	Investment			Allowance			Investment			Investment			Balance
		(Dollars in thousands)
	One-to four-family residential	$	1,733		$	42		$	6,990		$	8,723		$	10,830
	Commercial real estate		—			—			5,046			5,046			6,205
	Construction		442			332			1,836			2,278			3,160
	Home equity lines of credit		—			—			829			829			987
	Commercial business		11			11			331			342			1,133
	Total impaired loans	$	2,186		$	385		$	15,032		$	17,218		$	22,315
	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			Six Months
		Ended March 31, 2015			Ended March 31, 2015
		(Dollars in thousands)
	One-to four-family residential	$	6,937		$	7,532
	Commercial real estate		5,215			5,159
	Construction		1,942			2,054
	Home equity lines of credit		484			599
	Commercial business		1,899			1,380
	Average investment in impaired loans	$	16,477		$	16,724
		Three Months			Six Months
		Ended March 31, 2014			Ended March 31, 2014
		(Dollars in thousands)
	One-to four-family residential	$	13,610		$	13,963
	Commercial real estate		5,206			5,477
	Construction		2,736			2,989
	Home equity lines of credit		1,135			1,099
	Commercial business		607			436
Average investment in impaired loans	$	23,293		$	23,964
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. Loans classified Doubtful have all the weaknesses inherent in loans classified Substandard with the added characteristic that collection or liquidation in full, on the basis of current conditions and facts, is highly improbable. All loans greater than three months past due are considered Substandard. 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-Mar-15
One-to four-family residential	$	154,617		$	—		$	3,333		$	—		$	157,950
Commercial real estate		167,696			233			3,855			1,106			172,890
Construction		7,203			—			5,808			—			13,011
Home equity lines of credit		18,325			—			2,162			—			20,487
Commercial business		34,940			—			1,734			—			36,674
Other		10,325			—			—			—			10,325
Total	$	393,106		$	233		$	16,892		$	1,106		$	411,337
				Special
	Pass			Mention			Substandard				Doubtful		Total
	(Dollars in thousands)
30-Sep-14
One-to four-family residential	$	153,878		$	—		$	6,457		$	—		$	160,335
Commercial real estate		158,501			6,179			3,663			1,106			169,449
Construction		6,110			—			6,122			—			12,232
Home equity lines of credit		17,209			—			2,157			—			19,366
Commercial business		34,725			—			310			—			35,035
Other		10,396			—			—			—			10,396
Total	$	380,819		$	6,179		$	18,709		$	1,106		$	406,813
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-Mar-15
One-to four-family residential	$	154,875		$	774		$	180		$	2,121		$	3,075		$	2,121		$	157,950
Commercial real estate		170,321			639			—			1,930			2,569			1,930			172,890
Construction		11,325			—			—			1,686			1,686			1,686			13,011
Home equity lines of credit		19,779			—			—			708			708			708			20,487
Commercial business		34,974			—			—			1,700			1,700			1,700			36,674
Other		10,325			—			—			—			—			—			10,325
Total	$	401,599		$	1,413		$	180		$	8,145		$	9,738		$	8,145		$	411,337
					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-14
One-to four-family residential	$	155,825		$	75		$	256		$	4,179		$	4,510		$	4,179		$	160,335
Commercial real estate		166,360			—			918			2,171			3,089			2,171			169,449
Construction		9,954			—			—			2,278			2,278			2,278			12,232
Home equity lines of credit		18,483			—			—			883			883			883			19,366
Commercial business		33,105			1,600			56			274			1,930			274			35,035
Other		10,396			—			—			—			—			—			10,396
Total	$	394,123		$	1,675		$	1,230		$	9,785		$	12,690		$	9,785		$	406,813
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.
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 the related activity for the six months ended March 31, 2015:
	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, 2014	$	402		$	826		$	784		$	62		$	643		$	9		$	109		$	2,835
Charge-offs		(12	)		(193	)		—			(147	)		—			(1	)		—			(353	)
Recoveries		—			—			37			—			—			—			—			37
Provision		84			199			(73	)		151			90			(2	)		(29	)		420
Balance-December 31, 2014	$	474		$	832		$	748		$	66		$	733		$	6		$	80		$	2,939
Charge-offs		(90	)		—			(342	)		—			(263	)		—			—			(695	)
Recoveries		400			—			—			—			—			—			—			400
Provision		(415	)		10			114			(11	)		434			—			38			170
Balance-March 31, 2015	$	369		$	842		$	520		$	55		$	904		$	6		$	118		$	2,814
The following table summarizes the ALL by loan category and the related activity for the six months ended March 31, 2014:
	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
Charge-offs		(83	)		—			(93	)		(5	)		—			—			—			(181	)
Recoveries		—			—			75			—			—			—			—			75
Provision		(347	)		(53	)		(38	)		(34	)		922			13			(82	)	$	381
Balance- March 31, 2014	$	569		$	792		$	502		$	98		$	1,448		$	13		$	53		$	3,475
The following table summarizes 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 March 31, 2015 and September 30, 2014:
	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 - March 31, 2015	$	369		$	842		$	520		$	55		$	904		$	6		$	118		$	2,814
Individually evaluated
for impairment		—			—			—			—			120			—			—			120
Collectively evaluated
for impairment		369			842			520			55			784			6			118			2,694
Loans receivable:
Balance - March 31, 2015	$	157,950		$	172,890		$	13,011		$	20,487		$	36,674		$	10,325					$	411,337
Individually evaluated
for impairment		5,795			5,517			1,701			838			1,767			—						15,618
Collectively evaluated
for impairment		152,155			167,373			11,310			19,649			34,907			10,325						395,719
	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, 2014	$	402		$	826		$	784		$	62		$	643		$	9		$	109		$	2,835
Individually evaluated
for impairment		42			—			332			—			11			—			—			385
Collectively evaluated
for impairment		360			826			452			62			632			9			109			2,450
Loans receivable:
Balance - September 30, 2014	$	160,335		$	169,449		$	12,232		$	19,366		$	35,035		$	10,396					$	406,813
Individually evaluated
for impairment		8,723			5,046			2,278			829			342			—						17,218
Collectively evaluated
for impairment		151,612			164,403			9,954			18,537			34,693			10,396						389,595
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 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 during the three and six months ended March 31, 2015 and 2014.
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 and six months ended March 31, 2015, no defaults occurred on troubled debt restructured loans that were modified as a TDR within the previous 12 months.

DEPOSITS

DEPOSITS	6 Months Ended
	Mar. 31, 2015
DEPOSITS [Abstract]
DEPOSITS	NOTE K - DEPOSITS
	A summary of deposits by type of account are summarized as follows:
		2015		2014
		31-Mar		30-Sep
		(Dollars in thousands)
	Demand accounts	$	90,606	$	84,306
	Savings accounts		82,742		65,123
	NOW accounts		49,637		47,029
	Money market accounts		107,277		102,118
	Certificates of deposit		111,565		126,661
	Retirement certificates		21,081		23,214
		$	462,908	$	448,451

INCOME_TAXES

INCOME TAXES	6 Months Ended
	Mar. 31, 2015
INCOME TAXES [Abstract]
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 March 31, 2015, the amount of which has not materially changed from that in place at September 30, 2014.
	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						For the Six Months
		Ended March 31,						Ended March 31,
		2015			2014			2015			2014
		(in thousands)
	Income tax expense at 34%
	statutory federal tax rate	$	68		$	18		$	154		$	75
	State tax expense		12			1			23			12
	Other		(28	)		(29	)		(53	)		(58	)
	Income tax expense (benefit)	$	52		$	(10	)	$	124		$	29

FINANCIAL_INSTRUMENTS_WITH_OFF

FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK	6 Months Ended
	Mar. 31, 2015
FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK [Abstract]
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 March 31, 2015 and September 30, 2014, 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.
		March 31,		September 30 ,
		2015		2014
		(Dollars in thousands)
	Financial instruments whose contract amounts
	represent credit risk
	Letters of credit	$	1,120	$	884
	Unused lines of credit		41,991		43,644
	Fixed rate loan commitments		3,381		1,900
	Variable rate loan commitments		11,877		8,500
		$	58,369	$	54,928

EARNINGS_PER_SHARE_Tables

EARNINGS PER SHARE (Tables)	6 Months Ended
	Mar. 31, 2015
EARNINGS PER SHARE [Abstract]
Schedule of earnings per share		For the Three Months				For the Six Months
		Ended March 31,				Ended March 31,
		2015		2014		2015		2014
		(In thousands except for per share data)
	Income applicable to common shares	$	147	$	63	$	329	$	193
	Weighted average number of common shares
	outstanding - basic		5,819		5,814		5,818		5,814
	Weighted average number of common shares
	and common share equivalents - diluted		5,819		5,814		5,818		5,814
	Basic earnings per share	$	0.03	$	0.01	$	0.06	$	0.03
	Diluted earnings per share	$	0.03	$	0.01	$	0.06	$	0.03

STOCKBASED_COMPENSATION_AND_ST1

STOCK-BASED COMPENSATION AND STOCK REPURCHASE PROGRAM (Tables)	6 Months Ended
	Mar. 31, 2015
STOCK-BASED COMPENSATION AND STOCK REPURCHASE PROGRAM [Abstract]
Schedule of entity's stock option activity and related information						Weighted
				Weighted		Average		Aggregate
		Number of		Average		Remaining		Intrinsic
		Stock Options		Exercise Price		Contractual Life		Value
	Balance at September 30, 2014		188,276	$	14.61
	Granted		—		—
	Exercised		—		—
	Forfeited		—		—
	Balance at March 31, 2015		188,276	$	14.61		1.9 years	$	—
	Exercisable at March 31, 2015		188,276	$	14.61		1.9 years	$	—
Summary of non-vested stock awards				Weighted
				Average
		Number of		Grant Date
		Stock Awards		Fair Value
	Balance at September 30, 2014		5,302	$	4.41
	Granted		—		—
	Vested		—		—
	Forfeited		—		—
	Balance at March 31, 2015		5,302	$	4.41

OTHER_COMPREHENSIVE_INCOME_LOS1

OTHER COMPREHENSIVE INCOME (LOSS) (Tables)	6 Months Ended
	Mar. 31, 2015
OTHER COMPREHENSIVE INCOME (LOSS) [Abstract]
Schedule of components of other comprehensive income (loss) and the related income tax effects			Three Months Ended March 31,
			2015									2014
						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
	arising during period on:
	Available-for-sale investments		$	87		$	(33	)	$	54		$	103		$	(38	)	$	65
	Less reclassification adjustment for net
	realized on available-for-sale investments (a) (b)			(12	)		5			(7	)		—			—			—
	Other comprehensive income, net		$	75		$	(28	)	$	47		$	103		$	(38	)	$	65
			Six Months Ended March 31,
			2015									2014
						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
	arising during period on:
	Available-for-sale investments		$	178		$	(67	)	$	111		$	59		$	(23	)	$	36
	Less reclassification adjustment for net
	realized on available-for-sale investments (a) (b)			(42	)		17			(25	)		(36	)		14			(22	)
	Other comprehensive income, net		$	136		$	(50	)	$	86		$	23		$	(9	)	$	14
	(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)	6 Months Ended
	Mar. 31, 2015
FAIR VALUE DISCLOSURES [Abstract]
Schedule of assets measured at fair value on a recurring basis			Fair Value at March 31, 2015
			Total		Level 1			Level 2		Level 3
			(Dollars in thousands)
	Securities available for sale:
	Obligations of U.S. government-sponsored enterprises:
	Mortgage-backed securities-residential			6,088		—			6,088		—
	Private label mortgage-backed securities-residential			222		—			222		—
	Total securities available for sale		$	6,310	$	—		$	6,310	$	—
			Fair Value at September 30, 2014
			Total		Level 1			Level 2		Level 3
			(Dollars in thousands)
	Securities available for sale:
	Obligations of U.S. government agencies:
	Mortgage-backed securities - residential		$	1,295	$	—		$	1,295	$	—
	Obligations of U.S. government-sponsored enterprises:
	Mortgage-backed securities-residential			10,369		—			10,369		—
	Private label mortgage-backed securities-residential			406		—			406		—
	Total securities available for sale		$	12,070	$	—		$	12,070	$	—
Schedule of assets measured at fair value on a non-recurring basis			Fair Value at March 31, 2015
			Total		Level 1			Level 2		Level 3
			(Dollars in thousands)
	Impaired loans		$	2,475	$	—		$	—	$	2,475
	Other real estate owned			2,998		—			—		2,998
			$	5,473	$	—		$	—	$	5,473
			Fair Value at September 30, 2014
			Total		Level 1			Level 2		Level 3
			(Dollars in thousands)
	Impaired loans		$	3,101	$	—		$	—	$	3,101
	Other real estate owned			5,850		—			—		5,850
			$	8,951	$	—		$	—	$	8,951
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	Quantitative Information about Level 3 Fair Value Measurements
	(Dollars in thousands)
			Fair Value		Valuation
	31-Mar-15		Estimate		Techniques		Unobservable Input	Range (Weighted Average)
	Impaired loans		$	2,475	Appraisal of collateral (1)		Liquidation expenses (2)	-16.0% to -18.0% (-16.6%)
	Other real estate owned		$	2,998	Appraisal of collateral (1), (3)		Appraisal adjustments (2)	-8.0% to -29.5% (-19.1%)
		(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			Carrying		Fair			Fair Value Measurement Placement
			Value		Value			(Level 1)		(Level 2)		(Level 3)
			(Dollars in thousands)
	31-Mar-15
	Financial instruments - assets
	Investment securities held-to-maturity		$	50,545	$	51,317		$	—	$	51,317	$	—
	Loans			408,696		415,113			—		—		415,113
	Financial instruments - liabilities
	Certificates of deposit			132,646		134,002			—		134,002		—
	Borrowings			26,201		26,901			—		26,901		—
	30-Sep-14
	Financial instruments - assets
	Investment securities held to maturity		$	48,963	$	48,822			—	$	48,822	$	—
	Loans			404,195		407,947			—		—		407,947
	Financial instruments - liabilities
	Certificate of deposit			149,875		151,652			—		151,652		—
	Borrowings			30,500		31,045			—		31,045		—

INVESTMENT_SECURITIES_Tables

INVESTMENT SECURITIES (Tables)	6 Months Ended
	Mar. 31, 2015
INVESTMENT SECURITIES [Abstract]
Summary of the amortized cost and fair values of securities available for sale		31-Mar-15
				Gross		Gross
		Amortized		Unrealized		Unrealized			Fair
		Cost		Gains		Losses			Value
		(Dollars in thousands)
	Securities available for sale:
	Obligations of U.S. government-sponsored enterprises:
	Mortgage-backed securities-residential		6,065		53		(30	)		6,088
	Private label mortgage-backed securities-residential		222		1		(1	)		222
	Total securities available for sale		6,287		54		(31	)		6,310
		30-Sep-14
				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	$	1,294	$	1	$	—		$	1,295
	Obligations of U.S. government-sponsored enterprises:
	Mortgage-backed securities-residential		10,485		39		(155	)		10,369
	Private label mortgage-backed securities-residential		404		3		(1	)		406
	Total securities available for sale	$	12,183	$	43	$	(156	)	$	12,070
Summary of maturities of the debt securities and mortgage-backed securities available for sale		31-Mar-15
		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		6,287		6,310
	Commercial		—		—
	Total	$	6,287	$	6,310
Summary of the amortized cost and fair values of securities held to maturity		31-Mar-15
				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	$	6,472	$	220	$	(86	)	$	6,606
	Mortgage-backed securities - commercial		1,135		—		(2	)		1,133
	Obligations of U.S. government-sponsored enterprises:
	Mortgage-backed-securities - residential		37,370		756		(85	)		38,041
	Debt securities		5,000		—		(36	)		4,964
	Private label mortgage-backed securities - residential		568		10		(5	)		573
	Total securities held to maturity	$	50,545	$	986	$	(214	)	$	51,317
		30-Sep-14
				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	$	7,308	$	223	$	(139	)	$	7,392
	Mortgage-backed securities - commercial		1,168		—		—			1,168
	Obligations of U.S. government-sponsored enterprises:
	Mortgage-backed securities - residential		36,894		413		(507	)		36,800
	Debt securities		3,000		—		(152	)		2,848
	Private label mortgage-backed securities - residential		593		25		(4	)		614
	Total securities held to maturity	$	48,963	$	661	$	(802	)	$	48,822
Summary of maturities of the debt securities and mortgage-backed securities securities held to maturity		31-Mar-15
		Amortized		Fair
		Cost		Value
		(Dollars in thousands)
	Due within 1 year	$	—	$	—
	Due after 1 but within 5 years		2,000		1,992
	Due after 5 but within 10 years		2,000		1,973
	Due after 10 years		1,000		999
	Total debt securities		5,000		4,964
	Mortgage-backed securities:
	Residential		44,410		45,220
	Commercial		1,135		1,133
	Total	$	50,545	$	51,317

IMPAIRMENT_OF_INVESTMENT_SECUR1

IMPAIRMENT OF INVESTMENT SECURITIES (Tables)	6 Months Ended
	Mar. 31, 2015
IMPAIRMENT OF INVESTMENT SECURITIES [Abstract]
Schedule of gross unrealized losses and fair value for both available for sale and held to maturity securities by investment category and time frame for which the loss has been outstanding				31-Mar-15
				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	$	—	$	—		$	2,629	$	(86	)	$	2,629	$	(86	)
	Mortgage-backed securities - commercial		1		—		—			1,133		(2	)		1,133		(2	)
	Obligations of U.S. government-sponsored enterprises
	Mortgage-backed securities - residential		9		2,077		(30	)		12,232		(85	)		14,309		(115	)
	Debt securities		4		1,992		(8	)		2,972		(28	)		4,964		(36	)
	Private label mortgage-backed securities residential		2		19		(1	)		242		(5	)		261		(6	)
	Total		19	$	4,088	$	(39	)	$	19,208	$	(206	)	$	23,296	$	(245	)
				30-Sep-14
				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	$	—	$	—		$	2,918	$	(139	)	$	2,918	$	(139	)
	Mortgage-backed securities - commercial		1		—		—			1,168		—			1,168		—
	Obligations of U.S. government-sponsored enterprises
	Mortgage-backed securities - residential		20		12,114		(80	)		19,960		(582	)		32,074		(662	)
	Debt securities		3		—		—			2,848		(152	)		2,848		(152	)
	Private label mortgage-backed securities residential		2		20		(1	)		273		(4	)		293		(5	)
	Total		29	$	12,134	$	(81	)	$	27,167	$	(877	)	$	39,301	$	(958	)

LOANS_RECEIVABLE_NET_AND_RELAT1

LOANS RECEIVABLE, NET AND RELATED ALLOWANCE FOR LOAN LOSSES (Tables)	6 Months Ended
	Mar. 31, 2015
LOANS RECEIVABLE, NET AND RELATED ALLOWANCE FOR LOAN LOSSES [Abstract]
Schedule of loans receivable, net		March 31,			September 30,
		2015			2014
		(Dollars in thousands)
	One-to four-family residential	$	157,950		$	160,335
	Commercial real estate		172,890			169,449
	Construction		13,011			12,232
	Home equity lines of credit		20,487			19,366
	Commercial business		36,674			35,035
	Other		10,325			10,396
	Total loans receivable		411,337			406,813
	Net deferred loan costs		173			217
	Allowance for loan losses		(2,814	)		(2,835	)
	Total loans receivable, net	$	408,696		$	404,195
Schedule of impaired loans								Impaired
								Loans with
		Impaired Loans with						No Specific
		Specific Allowance						Allowance			Total Impaired Loans
														Unpaid
		Recorded			Related			Recorded			Recorded			Principal
	At March 31, 2015	Investment			Allowance			Investment			Investment			Balance
		(Dollars in thousands)
	One-to four-family residential	$	—		$	—		$	5,795		$	5,795		$	6,310
	Commercial real estate		—			—			5,517			5,517			6,549
	Construction		—			—			1,701			1,701			2,477
	Home equity lines of credit		—			—			838			838			1,125
	Commercial business		1,610			120			157			1,767			1,767
	Total impaired loans	$	1,610		$	120		$	14,008		$	15,618		$	18,228
								Impaired Loans
		Impaired Loans with						with No Specific
		Specific Allowance						Allowance			Total Impaired Loans
														Unpaid
		Recorded			Related			Recorded			Recorded			Principal
	At September 30, 2014	Investment			Allowance			Investment			Investment			Balance
		(Dollars in thousands)
	One-to four-family residential	$	1,733		$	42		$	6,990		$	8,723		$	10,830
	Commercial real estate		—			—			5,046			5,046			6,205
	Construction		442			332			1,836			2,278			3,160
	Home equity lines of credit		—			—			829			829			987
	Commercial business		11			11			331			342			1,133
	Total impaired loans	$	2,186		$	385		$	15,032		$	17,218		$	22,315
Schedule of average recorded investment in impaired loans		Three Months			Six Months
		Ended March 31, 2015			Ended March 31, 2015
		(Dollars in thousands)
	One-to four-family residential	$	6,937		$	7,532
	Commercial real estate		5,215			5,159
	Construction		1,942			2,054
	Home equity lines of credit		484			599
	Commercial business		1,899			1,380
	Average investment in impaired loans	$	16,477		$	16,724
		Three Months			Six Months
		Ended March 31, 2014			Ended March 31, 2014
		(Dollars in thousands)
	One-to four-family residential	$	13,610		$	13,963
	Commercial real estate		5,206			5,477
	Construction		2,736			2,989
	Home equity lines of credit		1,135			1,099
	Commercial business		607			436
	Average investment in impaired loans	$	23,293		$	23,964
Schedule of loan portfolio summarized by Bank's internal risk rating system					Special
		Pass			Mention			Substandard				Doubtful		Total
		(Dollars in thousands)
	31-Mar-15
	One-to four-family residential	$	154,617		$	—		$	3,333		$	—		$	157,950
	Commercial real estate		167,696			233			3,855			1,106			172,890
	Construction		7,203			—			5,808			—			13,011
	Home equity lines of credit		18,325			—			2,162			—			20,487
	Commercial business		34,940			—			1,734			—			36,674
	Other		10,325			—			—			—			10,325
	Total	$	393,106		$	233		$	16,892		$	1,106		$	411,337
					Special
		Pass			Mention			Substandard				Doubtful		Total
		(Dollars in thousands)
	30-Sep-14
	One-to four-family residential	$	153,878		$	—		$	6,457		$	—		$	160,335
	Commercial real estate		158,501			6,179			3,663			1,106			169,449
	Construction		6,110			—			6,122			—			12,232
	Home equity lines of credit		17,209			—			2,157			—			19,366
	Commercial business		34,725			—			310			—			35,035
	Other		10,396			—			—			—			10,396
	Total	$	380,819		$	6,179		$	18,709		$	1,106		$	406,813
Schedule of aging analysis of past due loans, segregated by class of loans						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-Mar-15
	One-to four-family residential	$	154,875		$	774		$	180		$	2,121		$	3,075		$	2,121		$	157,950
	Commercial real estate		170,321			639			—			1,930			2,569			1,930			172,890
	Construction		11,325			—			—			1,686			1,686			1,686			13,011
	Home equity lines of credit		19,779			—			—			708			708			708			20,487
	Commercial business		34,974			—			—			1,700			1,700			1,700			36,674
	Other		10,325			—			—			—			—			—			10,325
	Total	$	401,599		$	1,413		$	180		$	8,145		$	9,738		$	8,145		$	411,337
						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-14
	One-to four-family residential	$	155,825		$	75		$	256		$	4,179		$	4,510		$	4,179		$	160,335
	Commercial real estate		166,360			—			918			2,171			3,089			2,171			169,449
	Construction		9,954			—			—			2,278			2,278			2,278			12,232
	Home equity lines of credit		18,483			—			—			883			883			883			19,366
	Commercial business		33,105			1,600			56			274			1,930			274			35,035
	Other		10,396			—			—			—			—			—			10,396
	Total	$	394,123		$	1,675		$	1,230		$	9,785		$	12,690		$	9,785		$	406,813
Schedule of activity in the allowance for loan losses by portfolio segment		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, 2014	$	402		$	826		$	784		$	62		$	643		$	9		$	109		$	2,835
	Charge-offs		(12	)		(193	)		—			(147	)		—			(1	)		—			(353	)
	Recoveries		—			—			37			—			—			—			—			37
	Provision		84			199			(73	)		151			90			(2	)		(29	)		420
	Balance-December 31, 2014	$	474		$	832		$	748		$	66		$	733		$	6		$	80		$	2,939
	Charge-offs		(90	)		—			(342	)		—			(263	)		—			—			(695	)
	Recoveries		400			—			—			—			—			—			—			400
	Provision		(415	)		10			114			(11	)		434			—			38			170
	Balance-March 31, 2015	$	369		$	842		$	520		$	55		$	904		$	6		$	118		$	2,814
		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
	Charge-offs		(83	)		—			(93	)		(5	)		—			—			—			(181	)
	Recoveries		—			—			75			—			—			—			—			75
	Provision		(347	)		(53	)		(38	)		(34	)		922			13			(82	)	$	381
	Balance- March 31, 2014	$	569		$	792		$	502		$	98		$	1,448		$	13		$	53		$	3,475
		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 - March 31, 2015	$	369		$	842		$	520		$	55		$	904		$	6		$	118		$	2,814
	Individually evaluated
	for impairment		—			—			—			—			120			—			—			120
	Collectively evaluated
	for impairment		369			842			520			55			784			6			118			2,694
	Loans receivable:
	Balance - March 31, 2015	$	157,950		$	172,890		$	13,011		$	20,487		$	36,674		$	10,325					$	411,337
	Individually evaluated
	for impairment		5,795			5,517			1,701			838			1,767			—						15,618
	Collectively evaluated
	for impairment		152,155			167,373			11,310			19,649			34,907			10,325						395,719
		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, 2014	$	402		$	826		$	784		$	62		$	643		$	9		$	109		$	2,835
	Individually evaluated
	for impairment		42			—			332			—			11			—			—			385
	Collectively evaluated
	for impairment		360			826			452			62			632			9			109			2,450
	Loans receivable:
	Balance - September 30, 2014	$	160,335		$	169,449		$	12,232		$	19,366		$	35,035		$	10,396					$	406,813
	Individually evaluated
	for impairment		8,723			5,046			2,278			829			342			—						17,218
	Collectively evaluated
	for impairment		151,612			164,403			9,954			18,537			34,693			10,396						389,595

DEPOSITS_Tables

DEPOSITS (Tables)	6 Months Ended
	Mar. 31, 2015
DEPOSITS [Abstract]
Schedule of deposits by type of account		2015		2014
		31-Mar		30-Sep
		(Dollars in thousands)
	Demand accounts	$	90,606	$	84,306
	Savings accounts		82,742		65,123
	NOW accounts		49,637		47,029
	Money market accounts		107,277		102,118
	Certificates of deposit		111,565		126,661
	Retirement certificates		21,081		23,214
		$	462,908	$	448,451

INCOME_TAXES_Tables

INCOME TAXES (Tables)	6 Months Ended
	Mar. 31, 2015
INCOME TAXES [Abstract]
Schedule of 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		For the Three Months						For the Six Months
		Ended March 31,						Ended March 31,
		2015			2014			2015			2014
		(in thousands)
	Income tax expense at 34%
	statutory federal tax rate	$	68		$	18		$	154		$	75
	State tax expense		12			1			23			12
	Other		(28	)		(29	)		(53	)		(58	)
	Income tax expense (benefit)	$	52		$	(10	)	$	124		$	29

FINANCIAL_INSTRUMENTS_WITH_OFF1

FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK (Tables)	6 Months Ended
	Mar. 31, 2015
FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK [Abstract]
Schedule of fair value, off-balance sheet financial instruments		March 31,		September 30 ,
		2015		2014
		(Dollars in thousands)
	Financial instruments whose contract amounts
	represent credit risk
	Letters of credit	$	1,120	$	884
	Unused lines of credit		41,991		43,644
	Fixed rate loan commitments		3,381		1,900
	Variable rate loan commitments		11,877		8,500
		$	58,369	$	54,928

RECENT_ACCOUNTING_PRONOUNCEMEN1

RECENT ACCOUNTING PRONOUNCEMENTS (Details) (USD $)	Mar. 31, 2015
In Millions, unless otherwise specified
RECENT ACCOUNTING PRONOUNCEMENTS [Abstract]
Amount of residential real estate loans foreclosed	$6.70
Amount of consumer mortgage loans collateralized by residential real estate property in the process of foreclosure	$3.80

EARNINGS_PER_SHARE_Schedule_of

EARNINGS PER SHARE (Schedule of Earnings Per Share) (Details) (USD $)	3 Months Ended		6 Months Ended
In Thousands, except Share data, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2015	Mar. 31, 2014
EARNINGS PER SHARE [Abstract]
Income applicable to common shares	$147	$63	$329	$193
Weighted average number of common shares outstanding - basic	5,819	5,814	5,818	5,814
Weighted average number of common shares and common share equivalents - diluted	5,819	5,814	5,818	5,814
Basic earnings per share	$0.03	$0.01	$0.06	$0.03
Diluted earnings per share	$0.03	$0.01	$0.06	$0.03

EARNINGS_PER_SHARE_Narrative_D

EARNINGS PER SHARE (Narrative) (Details) (USD $)	Mar. 31, 2015	Sep. 30, 2014	Mar. 31, 2014
EARNINGS PER SHARE [Abstract]
Outstanding options to purchase shares of common stock which are not included in the computation of diluted earnings per share	188,276	188,276	188,276
Weighted average price outstanding options to purchase shares of common stock which are not included in the computation of diluted earnings per share (in dollars per share)	$14.61	$14.61	$14.61

STOCKBASED_COMPENSATION_AND_ST2

STOCK-BASED COMPENSATION AND STOCK REPURCHASE PROGRAM (Narrative) (Details) (USD $)	6 Months Ended		89 Months Ended
	Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2015
Stock option expenses	$0	$0
Stock award expenses	9,000	9,000
Cost of shares repurchased by ESOP trust	2,300,000
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 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 1st to the then published Prime Rate (3.25% at January 1, 2015) 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%		3.25%
Shares allocated	128,436		128,436
Suspense shares	89,426		89,426
Fair value of unallocated shares	752,967		752,967
ESOP compensation expense	$53,000	$48,000
Total ESOP shares	217,863		217,863
Stock Options [Member]
Vesting period	5 years
Expiration period	10 years
Term of treasury security	7 years
Restricted shares [Member]
Vesting period	5 years
Second Repurchase Program
Maximum stock repurchase authorization (as a percent)			5.00%
Stock authorized to be repurchased (in shares)	129,924		129,924
Stock repurchased during period (in shares)			81,000
Remaining shares available to be repurchased	48,924		48,924
Common stock average cost (in dollars per share)			$8.33

STOCKBASED_COMPENSATION_AND_ST3

STOCK-BASED COMPENSATION AND STOCK REPURCHASE PROGRAM (Schedule of Stock Option Activity And Related Information For Its Option Plan) (Details) (USD $)	6 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]
Balance at the beginning of period	188,276	188,276
Options granted
Options exercised
Options forfeited
Balance at the end of period	188,276	188,276
Exercisable at the end of period	188,276
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price [Abstract]
Weighted average price at the beginning of period	$14.61	$14.61
Options granted
Options exercised
Options forfeited
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, Outstanding at March 31, 2015	1 year 10 months 24 days
Weighted Average Remaining Contractual Life, Exercisable at March 31, 2015	1 year 10 months 24 days
Aggregate Intrinsic Value, Oustanding at March 31, 2015
Aggregate Intrinsic Value, Exercisable at March 31, 2015

STOCKBASED_COMPENSATION_AND_ST4

STOCK-BASED COMPENSATION AND STOCK REPURCHASE PROGRAM (Schedule of Non-Vested Restricted Shares) (Details) (USD $)	6 Months Ended
	Mar. 31, 2015
Non Vested Stock Awards Outstanding
Balance at the beginning of period (in shares)	5,302
Stock Awards granted (in shares)
Stock Awards vested (in shares)
Stock Awards fortified (in shares)
Balance at the end of period (in shares)	5,302
Non Vested Stock Awards, Weighted Average Grant Date Fair Value
Balance at the beginning of period (in dollars per share)	$4.41
Stock Awards granted (in dollars per share)
Stock Awards vested (in dollars per share)
Stock Awards fortified (in dollars per share)
Balance at the end of period (in dollars per share)	$4.41

OTHER_COMPREHENSIVE_INCOME_LOS2

OTHER COMPREHENSIVE INCOME (LOSS) (Schedule of Components of Other Comprehensive Income (Loss) and the Related Income Tax Effects) (Details) (USD $)	3 Months Ended				6 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015		Mar. 31, 2014		Mar. 31, 2015		Mar. 31, 2014
OTHER COMPREHENSIVE INCOME (LOSS) [Abstract]
Available-for-sale investments before tax	$87		$103		$178		$59
Tax benefit (expense)	-33		-38		-67		-23
Available-for-sale investments after tax	54		65		111		36
Reclassification adjustment for net gains realized on available-for-sale investments before tax	-12	[1],[2]		[1],[2]	-42	[1],[2]	-36	[1],[2]
Tax benefit (expense)	5	[1],[2]		[1],[2]	17	[1],[2]	14	[1],[2]
Reclassification adjustment for net gains realized on available-for-sale investments after tax	-7	[1],[2]		[1],[2]	-25	[1],[2]	-22	[1],[2]
Other comprehensive loss, net before tax	75		103		136		23
Tax benefit (expense), Total	-28		-38		-50		-9
Other comprehensive gain (loss), net	$47		$65		$86		$14
[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_Schedul

FAIR VALUE DISCLOSURES (Schedule of Assets Measured at Fair Value on a Recurring Basis) (Details) (USD $)	Mar. 31, 2015	Sep. 30, 2014
In Thousands, unless otherwise specified
Fair value measured on recurring basis:
Securities available for sale	$6,310	$12,070
Obligations of U.S. government agencies Mortgage backed securities - residential [Member]
Fair value measured on recurring basis:
Securities available for sale		1,295
Obligations of U.S. government-sponsored enterprises Mortgage backed securities - residential [Member]
Fair value measured on recurring basis:
Securities available for sale	6,088	10,369
Private label mortgage-backed securities-residential [Member]
Fair value measured on recurring basis:
Securities available for sale	222	406
Fair Value, Measurements, Recurring [Member]
Fair value measured on recurring basis:
Securities available for sale	6,310	12,070
Fair Value, Measurements, Recurring [Member] | Obligations of U.S. government agencies Mortgage backed securities - residential [Member]
Fair value measured on recurring basis:
Securities available for sale		1,295
Fair Value, Measurements, Recurring [Member] | Obligations of U.S. government-sponsored enterprises Mortgage backed securities - residential [Member]
Fair value measured on recurring basis:
Securities available for sale	6,088	10,369
Fair Value, Measurements, Recurring [Member] | Private label mortgage-backed securities-residential [Member]
Fair value measured on recurring basis:
Securities available for sale	222	406
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Fair value measured on recurring basis:
Securities available for sale	6,310	12,070
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Obligations of U.S. government agencies Mortgage backed securities - residential [Member]
Fair value measured on recurring basis:
Securities available for sale		1,295
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Obligations of U.S. government-sponsored enterprises Mortgage backed securities - residential [Member]
Fair value measured on recurring basis:
Securities available for sale	6,088	10,369
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Private label mortgage-backed securities-residential [Member]
Fair value measured on recurring basis:
Securities available for sale	$222	$406

FAIR_VALUE_DISCLOSURES_Schedul1

FAIR VALUE DISCLOSURES (Schedule of Assets Measured at Fair Value on a Non-Recurring Basis) (Details) (Fair Value Measured on a Nonrecurring Basis [Member], USD $)	Mar. 31, 2015	Sep. 30, 2014
In Thousands, unless otherwise specified
Estimate of Fair Value Measurement [Member]
Impaired loans	$2,475	$3,101
Other real estate owned	2,998	5,850
Assets measured at fair value on a non-recurring basis	5,473	8,951
Fair Value, Inputs, Level 3 [Member]
Impaired loans	2,475	3,101
Other real estate owned	2,998	5,850
Assets measured at fair value on a non-recurring basis	$5,473	$8,951

FAIR_VALUE_DISCLOSURES_Schedul2

FAIR VALUE DISCLOSURES (Schedule of Additional Quantitative Information About Assets Measured at Fair Value) (Details) (Fair Value Measured on a Nonrecurring Basis [Member], USD $)	6 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015
Impaired Loans
Fair value estimate	$2,475
Valuation techniques and Unobservable Input	Appraisal of collateral; Liquidation expenses
Impaired Loans | Weighted Average [Member]
Fair value input- appraisal of collateral	-16.60%
Impaired Loans | Minimum [Member]
Fair value input- appraisal of collateral	-16.00%
Impaired Loans | Maximum [Member]
Fair value input- appraisal of collateral	-18.00%
Other Real Estate Owned
Fair value estimate	$2,998
Valuation techniques and Unobservable Input	Appraisal of collateral; Appraisal adjustments
Other Real Estate Owned | Weighted Average [Member]
Fair value input- appraisal of collateral	-19.10%
Other Real Estate Owned | Minimum [Member]
Fair value input- appraisal of collateral	-8.00%
Other Real Estate Owned | Maximum [Member]
Fair value input- appraisal of collateral	-29.50%

FAIR_VALUE_DISCLOSURES_Schedul3

FAIR VALUE DISCLOSURES (Schedule of the Carrying Amount, Fair Value, and Placement in the Fair Value Hierarchy of Financial Instruments) (Details) (USD $)	Mar. 31, 2015	Sep. 30, 2014
In Thousands, unless otherwise specified
Financial instruments - assets
Fair value of investment securities - held to maturity	$51,317	$48,822
Reported Value
Financial instruments - assets
Fair value of investment securities - held to maturity	50,545	48,963
Loans	408,696	404,195
Financial instruments - liabilities
Certificate of deposit	132,646	149,875
Borrowings	26,201	30,500
Fair Value
Financial instruments - assets
Fair value of investment securities - held to maturity	51,317	48,822
Loans	415,113	407,947
Financial instruments - liabilities
Certificate of deposit	134,002	151,652
Borrowings	26,901	31,045
Fair Value, Inputs, Level 2 [Member]
Financial instruments - assets
Fair value of investment securities - held to maturity	51,317	48,822
Loans
Financial instruments - liabilities
Certificate of deposit	134,002	151,652
Borrowings	26,901	31,045
Fair Value, Inputs, Level 3 [Member]
Financial instruments - assets
Fair value of investment securities - held to maturity
Loans	415,113	407,947
Financial instruments - liabilities
Certificate of deposit
Borrowings

INVESTMENT_SECURITIES_Summary_

INVESTMENT SECURITIES (Summary of Amortized Cost and Fair Values of Securities Available For Sale) (Details) (USD $)	6 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Sep. 30, 2014
Available for sale securities
Amortized Cost	$6,287	$12,183
Gross Unrealized Gains	54	43
Gross Unrealized Losses	-31	-156
Fair Value	6,310	12,070
Obligations of U.S. government agencies Mortgage backed securities - residential
Available for sale securities
Amortized Cost		1,294
Gross Unrealized Gains		1
Gross Unrealized Losses
Fair Value		1,295
Obligations of U.S. government-sponsored enterprises Mortgage backed securities - residential
Available for sale securities
Amortized Cost	6,065	10,485
Gross Unrealized Gains	53	39
Gross Unrealized Losses	-30	-155
Fair Value	6,088	10,369
Private label mortgage-backed securities-residential
Available for sale securities
Amortized Cost	222	404
Gross Unrealized Gains	1	3
Gross Unrealized Losses	-1	-1
Fair Value	$222	$406

INVESTMENT_SECURITIES_Summary_1

INVESTMENT SECURITIES (Summary of Maturities of Debt Securities and Mortgage-backed Securities Available For Sale) (Details) (USD $)	Mar. 31, 2015	Sep. 30, 2014
In Thousands, unless otherwise specified
Available for Sale Securities, Amortized Cost
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	6,287
Mortgage Backed Securities, Commercial
Amortized Cost	6,287	12,183
Available for Sale Securities, Fair Value
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	6,310
Mortgage Backed Securities, Commercial
Fair Value	$6,310	$12,070

INVESTMENT_SECURITIES_Summary_2

INVESTMENT SECURITIES (Summary of Maturities of Debt Securities and Mortgage-backed Securities Held to Maturity) (Details) (USD $)	6 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Sep. 30, 2014
Held to maturity securities
Amortized Cost	$50,545	$48,963
Gross Unrealized Gains	986	661
Gross Unrealized Losses	-214	-802
Fair Value	51,317	48,822
Obligations of U.S. government agencies Mortgage backed securities - residential
Held to maturity securities
Amortized Cost	6,472	7,308
Gross Unrealized Gains	220	223
Gross Unrealized Losses	-86	-139
Fair Value	6,606	7,392
Obligations of U.S. government agencies Mortgage backed securities -commercial
Held to maturity securities
Amortized Cost	1,135	1,168
Gross Unrealized Gains
Gross Unrealized Losses	-2
Fair Value	1,133	1,168
Obligations of U.S. government-sponsored enterprises Mortgage backed securities - residential
Held to maturity securities
Amortized Cost	37,370	36,894
Gross Unrealized Gains	756	413
Gross Unrealized Losses	-85	-507
Fair Value	38,041	36,800
Obligations of U.S. government-sponsored enterprises Debt securities
Held to maturity securities
Amortized Cost	5,000	3,000
Gross Unrealized Gains
Gross Unrealized Losses	-36	-152
Fair Value	4,964	2,848
Private label mortgage-backed securities-residential
Held to maturity securities
Amortized Cost	568	593
Gross Unrealized Gains	10	25
Gross Unrealized Losses	-5	-4
Fair Value	$573	$614

INVESTMENT_SECURITIES_Summary_3

INVESTMENT SECURITIES (Summary of Amortized Cost and Fair Values of Securities Held to Maturity) (Details) (USD $)	Mar. 31, 2015	Sep. 30, 2014
In Thousands, unless otherwise specified
Held to Maturity Securities, Amortized Cost
Due within 1 year
Due after 1 but within 5 years	2,000
Due after 5 but within 10 years	2,000
Due after 10 years	1,000
Total debt securities	5,000
Mortgage Backed Securities, Residential	44,410
Mortgage Backed Securities, Commercial	1,135
Amortized cost	50,545	48,963
Held to Maturity Securities, Fair Value
Due within 1 year
Due after 1 but within 5 years	1,992
Due after 5 but within 10 years	1,973
Due after 10 years	999
Total debt securities	4,964
Mortgage Backed Securities, Residential	45,220
Mortgage Backed Securities, Commercial	1,133
Fair value	$51,317	$48,822

IMPAIRMENT_OF_INVESTMENT_SECUR2

IMPAIRMENT OF INVESTMENT SECURITIES (Schedule of Gross Unrealized Losses and Fair Value for Both Available For Sale and Held To Maturity Securities) (Details) (USD $)	6 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Sep. 30, 2014
	N	N
Available For Sale and Held To Maturity Securities
Number of Securities	19	29
Less Than 12 Months, Fair Value	$4,088	$12,134
Less Than 12 Months, Unrealized Losses	-39	-81
12 Months or Longer, Fair Value	19,208	27,167
12 Months or Longer, Unrealized Losses	-206	-877
Total, Fair Value	23,296	39,301
Total, Unrealized Losses	-245	-958
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
Less Than 12 Months, Unrealized Losses
12 Months or Longer, Fair Value	2,629	2,918
12 Months or Longer, Unrealized Losses	-86	-139
Total, Fair Value	2,629	2,918
Total, Unrealized Losses	-86	-139
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
Less Than 12 Months, Unrealized Losses
12 Months or Longer, Fair Value	1,133	1,168
12 Months or Longer, Unrealized Losses	-2
Total, Fair Value	1,133	1,168
Total, Unrealized Losses	-2
Obligations of U.S. government-sponsored enterprises Mortgage backed securities - residential
Available For Sale and Held To Maturity Securities
Number of Securities	9	20
Less Than 12 Months, Fair Value	2,077	12,114
Less Than 12 Months, Unrealized Losses	-30	-80
12 Months or Longer, Fair Value	12,232	19,960
12 Months or Longer, Unrealized Losses	-85	-582
Total, Fair Value	14,309	32,074
Total, Unrealized Losses	-115	-662
Obligations of U.S. government-sponsored enterprises Debt securities
Available For Sale and Held To Maturity Securities
Number of Securities	4	3
Less Than 12 Months, Fair Value	1,992
Less Than 12 Months, Unrealized Losses	-8
12 Months or Longer, Fair Value	2,972	2,848
12 Months or Longer, Unrealized Losses	-28	-152
Total, Fair Value	4,964	2,848
Total, Unrealized Losses	-36	-152
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	19	20
Less Than 12 Months, Unrealized Losses	-1	-1
12 Months or Longer, Fair Value	242	273
12 Months or Longer, Unrealized Losses	-5	-4
Total, Fair Value	261	293
Total, Unrealized Losses	($6)	($5)

LOANS_RECEIVABLE_NET_AND_RELAT2

LOANS RECEIVABLE, NET AND RELATED ALLOWANCE FOR LOAN LOSSES (Schedule of Loans Receivable, Net) (Details) (USD $)	Mar. 31, 2015	Sep. 30, 2014
In Thousands, unless otherwise specified
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross	$411,337	$406,813
Net deferred loan costs	173	217
Allowance for loan losses	-2,814	-2,835
Total loans receivable, net	408,696	404,195
One-to four-family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross	157,950	160,335
Allowance for loan losses	-369	-402
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross	172,890	169,449
Allowance for loan losses	-842	-826
Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross	13,011	12,232
Allowance for loan losses	-520	-784
Home equity lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross	20,487	19,366
Allowance for loan losses	-55	-62
Commercial business
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross	36,674	35,035
Allowance for loan losses	-904	-643
Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross	10,325	10,396
Allowance for loan losses	($6)	($9)

LOANS_RECEIVABLE_NET_AND_RELAT3

LOANS RECEIVABLE, NET AND RELATED ALLOWANCE FOR LOAN LOSSES (Schedule of Impaired Loans by Class) (Details) (USD $)	Mar. 31, 2015	Sep. 30, 2014
In Thousands, unless otherwise specified
Financing Receivable, Impaired [Line Items]
Recorded Investment With Specific Allowance	$1,610	$2,186
Related Allowance	120	385
Recorded Investment With No Specific Allowance	14,008	15,032
Total Recorded Investment	15,618	17,218
Total Unpaid Contractual Principal Balance	18,228	22,315
One-to four-family residential [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment With Specific Allowance		1,733
Related Allowance		42
Recorded Investment With No Specific Allowance	5,795	6,990
Total Recorded Investment	5,795	8,723
Total Unpaid Contractual Principal Balance	6,310	10,830
Commercial real estate
Financing Receivable, Impaired [Line Items]
Recorded Investment With Specific Allowance
Related Allowance
Recorded Investment With No Specific Allowance	5,517	5,046
Total Recorded Investment	5,517	5,046
Total Unpaid Contractual Principal Balance	6,549	6,205
Construction
Financing Receivable, Impaired [Line Items]
Recorded Investment With Specific Allowance		442
Related Allowance		332
Recorded Investment With No Specific Allowance	1,701	1,836
Total Recorded Investment	1,701	2,278
Total Unpaid Contractual Principal Balance	2,477	3,160
Home equity lines of credit
Financing Receivable, Impaired [Line Items]
Recorded Investment With Specific Allowance
Related Allowance
Recorded Investment With No Specific Allowance	838	829
Total Recorded Investment	838	829
Total Unpaid Contractual Principal Balance	1,125	987
Commercial business
Financing Receivable, Impaired [Line Items]
Recorded Investment With Specific Allowance	1,610	11
Related Allowance	120	11
Recorded Investment With No Specific Allowance	157	331
Total Recorded Investment	1,767	342
Total Unpaid Contractual Principal Balance	$1,767	$1,133

LOANS_RECEIVABLE_NET_AND_RELAT4

LOANS RECEIVABLE, NET AND RELATED ALLOWANCE FOR LOAN LOSSES (Schedule of Average Recorded Investment in Impaired Loans) (Details) (USD $)	3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2015	Mar. 31, 2014
Financing Receivable, Impaired [Line Items]
Average investment in impaired loans	$16,477	$23,293	$16,724	$23,964
One-to four-family residential [Member]
Financing Receivable, Impaired [Line Items]
Average investment in impaired loans	6,937	13,610	7,532	13,963
Commercial real estate
Financing Receivable, Impaired [Line Items]
Average investment in impaired loans	5,215	5,206	5,159	5,477
Construction
Financing Receivable, Impaired [Line Items]
Average investment in impaired loans	1,942	2,736	2,054	2,989
Home equity lines of credit
Financing Receivable, Impaired [Line Items]
Average investment in impaired loans	484	1,135	599	1,099
Commercial business
Financing Receivable, Impaired [Line Items]
Average investment in impaired loans	$1,899	$607	$1,380	$436

LOANS_RECEIVABLE_NET_AND_RELAT5

LOANS RECEIVABLE, NET AND RELATED ALLOWANCE FOR LOAN LOSSES (Schedule of Classes of the Loan Portfolio Summarized by Bank's Internal Risk Rating System) (Details) (USD $)	Mar. 31, 2015	Sep. 30, 2014
In Thousands, unless otherwise specified
Loans and Leases Receivable, Gross	$411,337	$406,813
Pass
Loans and Leases Receivable, Gross	393,106	380,819
Special Mention
Loans and Leases Receivable, Gross	233	6,179
Substandard
Loans and Leases Receivable, Gross	16,892	18,709
Doubtful
Loans and Leases Receivable, Gross	1,106	1,106
One-to four-family residential
Loans and Leases Receivable, Gross	157,950	160,335
One-to four-family residential | Pass
Loans and Leases Receivable, Gross	154,617	153,878
One-to four-family residential | Special Mention
Loans and Leases Receivable, Gross
One-to four-family residential | Substandard
Loans and Leases Receivable, Gross	3,333	6,457
One-to four-family residential | Doubtful
Loans and Leases Receivable, Gross
Commercial real estate
Loans and Leases Receivable, Gross	172,890	169,449
Commercial real estate | Pass
Loans and Leases Receivable, Gross	167,696	158,501
Commercial real estate | Special Mention
Loans and Leases Receivable, Gross	233	6,179
Commercial real estate | Substandard
Loans and Leases Receivable, Gross	3,855	3,663
Commercial real estate | Doubtful
Loans and Leases Receivable, Gross	1,106	1,106
Construction
Loans and Leases Receivable, Gross	13,011	12,232
Construction | Pass
Loans and Leases Receivable, Gross	7,203	6,110
Construction | Special Mention
Loans and Leases Receivable, Gross
Construction | Substandard
Loans and Leases Receivable, Gross	5,808	6,122
Construction | Doubtful
Loans and Leases Receivable, Gross
Home equity lines of credit
Loans and Leases Receivable, Gross	20,487	19,366
Home equity lines of credit | Pass
Loans and Leases Receivable, Gross	18,325	17,209
Home equity lines of credit | Special Mention
Loans and Leases Receivable, Gross
Home equity lines of credit | Substandard
Loans and Leases Receivable, Gross	2,162	2,157
Home equity lines of credit | Doubtful
Loans and Leases Receivable, Gross
Commercial business
Loans and Leases Receivable, Gross	36,674	35,035
Commercial business | Pass
Loans and Leases Receivable, Gross	34,940	34,725
Commercial business | Special Mention
Loans and Leases Receivable, Gross
Commercial business | Substandard
Loans and Leases Receivable, Gross	1,734	310
Commercial business | Doubtful
Loans and Leases Receivable, Gross
Other
Loans and Leases Receivable, Gross	10,325	10,396
Other | Pass
Loans and Leases Receivable, Gross	10,325	10,396
Other | Special Mention
Loans and Leases Receivable, Gross
Other | Substandard
Loans and Leases Receivable, Gross
Other | Doubtful
Loans and Leases Receivable, Gross

LOANS_RECEIVABLE_NET_AND_RELAT6

LOANS RECEIVABLE, NET AND RELATED ALLOWANCE FOR LOAN LOSSES (Schedule of Classes of the Loan Portfolio Summarized by Aging Categories) (Details) (USD $)	Mar. 31, 2015	Sep. 30, 2014
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment, Aging [Abstract]
Current	$401,599	$394,123
30-59 Days Past Due	1,413	1,675
60-89 Days Past Due	180	1,230
90 Days Past Due	8,145	9,785
Total Past Due	9,738	12,690
Non - Accrual	8,145	9,785
Total loans receivable	411,337	406,813
One-to four-family residential
Financing Receivable, Recorded Investment, Aging [Abstract]
Current	154,875	155,825
30-59 Days Past Due	774	75
60-89 Days Past Due	180	256
90 Days Past Due	2,121	4,179
Total Past Due	3,075	4,510
Non - Accrual	2,121	4,179
Total loans receivable	157,950	160,335
Commercial real estate
Financing Receivable, Recorded Investment, Aging [Abstract]
Current	170,321	166,360
30-59 Days Past Due	639
60-89 Days Past Due		918
90 Days Past Due	1,930	2,171
Total Past Due	2,569	3,089
Non - Accrual	1,930	2,171
Total loans receivable	172,890	169,449
Construction
Financing Receivable, Recorded Investment, Aging [Abstract]
Current	11,325	9,954
30-59 Days Past Due
60-89 Days Past Due
90 Days Past Due	1,686	2,278
Total Past Due	1,686	2,278
Non - Accrual	1,686	2,278
Total loans receivable	13,011	12,232
Home equity lines of credit
Financing Receivable, Recorded Investment, Aging [Abstract]
Current	19,779	18,483
30-59 Days Past Due
60-89 Days Past Due
90 Days Past Due	708	883
Total Past Due	708	883
Non - Accrual	708	883
Total loans receivable	20,487	19,366
Commercial business
Financing Receivable, Recorded Investment, Aging [Abstract]
Current	34,974	33,105
30-59 Days Past Due		1,600
60-89 Days Past Due		56
90 Days Past Due	1,700	274
Total Past Due	1,700	1,930
Non - Accrual	1,700	274
Total loans receivable	36,674	35,035
Other
Financing Receivable, Recorded Investment, Aging [Abstract]
Current	10,325	10,396
30-59 Days Past Due
60-89 Days Past Due
90 Days Past Due
Total Past Due
Non - Accrual
Total loans receivable	$10,325	$10,396

LOANS_RECEIVABLE_NET_AND_RELAT7

LOANS RECEIVABLE, NET AND RELATED ALLOWANCE FOR LOAN LOSSES (Schedule of Activity in the Allowance for Loan Losses by Loan Category) (Details) (USD $)	3 Months Ended				6 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Dec. 31, 2014	Mar. 31, 2014	Dec. 31, 2013	Mar. 31, 2015	Mar. 31, 2014
Activity in the allowance for loan losses by loan category:
Balance at beginning of period	$2,939	$2,835	$3,200	$3,013	$2,835	$3,013
Charge-offs	-695	-353	-181	-183
Recoveries	400	37	75	11
Provision	170	420	381	359	590	740
Balance at the end of period	2,814	2,939	3,475	3,200	2,814	3,475
One-to four-family residential [Member]
Activity in the allowance for loan losses by loan category:
Balance at beginning of period	474	402	999	844	402	844
Charge-offs	-90	-12	-83	-108
Recoveries	400			9
Provision	-415	84	-347	254
Balance at the end of period	369	474	569	999	369	569
Commercial real estate [Member]
Activity in the allowance for loan losses by loan category:
Balance at beginning of period	832	826	845	852	826	852
Charge-offs		-193
Recoveries
Provision	10	199	-53	-7
Balance at the end of period	842	832	792	845	842	792
Construction [Member]
Activity in the allowance for loan losses by loan category:
Balance at beginning of period	748	784	558	604	784	604
Charge-offs	-342		-93	-75
Recoveries		37	75
Provision	114	-73	-38	29
Balance at the end of period	520	748	502	558	520	502
Home equity lines of credit [Member]
Activity in the allowance for loan losses by loan category:
Balance at beginning of period	66	62	137	125	62	125
Charge-offs		-147	-5
Recoveries
Provision	-11	151	-34	12
Balance at the end of period	55	66	98	137	55	98
Commercial business [Member]
Activity in the allowance for loan losses by loan category:
Balance at beginning of period	733	643	526	452	643	452
Charge-offs	-263
Recoveries				2
Provision	434	90	922	72
Balance at the end of period	904	733	1,448	526	904	1,448
Other [Member]
Activity in the allowance for loan losses by loan category:
Balance at beginning of period	6	9		9	9	9
Charge-offs		-1
Recoveries
Provision		-2	13	-9
Balance at the end of period	6	6	13		6	13
Unallocated [Member]
Activity in the allowance for loan losses by loan category:
Balance at beginning of period	80	109	135	127	109	127
Charge-offs
Recoveries
Provision	38	-29	-82	8
Balance at the end of period	$118	$80	$53	$135	$118	$53

LOANS_RECEIVABLE_NET_AND_RELAT8

LOANS RECEIVABLE, NET AND RELATED ALLOWANCE FOR LOAN LOSSES (Schedule of ALL by Loan Category) (Details) (USD $)	Mar. 31, 2015	Sep. 30, 2014
In Thousands, unless otherwise specified
Allowance for Loan Losses:
Balance - Allowance for loans losses	$2,814	$2,835
Individually evaluated for impairment	120	385
Collectively evaluated for impairment	2,694	2,450
Balance - Loans receivable	411,337	406,813
Loan balance individually evaluated for impairment	15,618	17,218
Loan balance collectively evaluated for impairment	395,719	389,595
One-to four-family residential
Allowance for Loan Losses:
Balance - Allowance for loans losses	369	402
Individually evaluated for impairment		42
Collectively evaluated for impairment	369	360
Balance - Loans receivable	157,950	160,335
Loan balance individually evaluated for impairment	5,795	8,723
Loan balance collectively evaluated for impairment	152,155	151,612
Commercial real estate
Allowance for Loan Losses:
Balance - Allowance for loans losses	842	826
Individually evaluated for impairment
Collectively evaluated for impairment	842	826
Balance - Loans receivable	172,890	169,449
Loan balance individually evaluated for impairment	5,517	5,046
Loan balance collectively evaluated for impairment	167,373	164,403
Construction
Allowance for Loan Losses:
Balance - Allowance for loans losses	520	784
Individually evaluated for impairment		332
Collectively evaluated for impairment	520	452
Balance - Loans receivable	13,011	12,232
Loan balance individually evaluated for impairment	1,701	2,278
Loan balance collectively evaluated for impairment	11,310	9,954
Home equity lines of credit
Allowance for Loan Losses:
Balance - Allowance for loans losses	55	62
Individually evaluated for impairment
Collectively evaluated for impairment	55	62
Balance - Loans receivable	20,487	19,366
Loan balance individually evaluated for impairment	838	829
Loan balance collectively evaluated for impairment	19,649	18,537
Commercial business
Allowance for Loan Losses:
Balance - Allowance for loans losses	904	643
Individually evaluated for impairment	120	11
Collectively evaluated for impairment	784	632
Balance - Loans receivable	36,674	35,035
Loan balance individually evaluated for impairment	1,767	342
Loan balance collectively evaluated for impairment	34,907	34,693
Other
Allowance for Loan Losses:
Balance - Allowance for loans losses	6	9
Individually evaluated for impairment
Collectively evaluated for impairment	6	9
Balance - Loans receivable	10,325	10,396
Loan balance individually evaluated for impairment
Loan balance collectively evaluated for impairment	10,325	10,396
Unallocated
Allowance for Loan Losses:
Balance - Allowance for loans losses	118	109
Individually evaluated for impairment
Collectively evaluated for impairment	$118	$109

DEPOSITS_Schedule_of_Deposits_

DEPOSITS (Schedule of Deposits by Type of Account) (Details) (USD $)	Mar. 31, 2015	Sep. 30, 2014
In Thousands, unless otherwise specified
DEPOSITS [Abstract]
Demand accounts	$90,606	$84,306
Savings accounts	82,742	65,123
NOW accounts	49,637	47,029
Money market accounts	107,277	102,118
Certificates of deposit	111,565	126,661
Retirement accounts	21,081	23,214
Deposits, Total	$462,908	$448,451

INCOME_TAXES_Schedule_of_Recon

INCOME TAXES (Schedule of Reconciliation of Income Tax) (Details) (USD $)	3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2015	Mar. 31, 2014
INCOME TAXES [Abstract]
Statutory federal tax rate (as a percent)			34.00%
Income tax expense at 34% statutory federal tax rate	$68	$18	$154	$75
State tax expense	12	1	23	12
Other	-28	-29	-53	-58
Income tax expense (benefit)	$52	($10)	$124	$29

FINANCIAL_INSTRUMENTS_WITH_OFF2

FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Schedule of Financial Instruments Whose Contract Amounts Representing Credit Risk) (Details) (USD $)	Mar. 31, 2015	Sep. 30, 2014
In Thousands, unless otherwise specified
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Financial instruments - contract amounts	$58,369	$54,928
Letters of credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Financial instruments - contract amounts	1,120	884
Unused lines of credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Financial instruments - contract amounts	41,991	43,644
Fixed rate loan commitments
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Financial instruments - contract amounts	3,381	1,900
Variable rate loan commitments
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Financial instruments - contract amounts	$11,877	$8,500