Prudential Bancorp (PBIP) 10-Q 10 May 18 2018 Q2 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	6 Months Ended
	Mar. 31, 2018	Apr. 30, 2018
Document and Entity Information [Abstract]
Entity Registrant Name	PRUDENTIAL BANCORP, INC.
Entity Central Index Key	1,578,776
Trading Symbol	phip
Current Fiscal Year End Date	--09-30
Entity Filer Category	Accelerated Filer
Entity Common Stock Shares Outstanding		8,992,535
Document Type	10-Q
Document Period End Date	Mar. 31, 2018
Amendment Flag	false
Document Fiscal Year Focus	2,018
Document Fiscal Period Focus	Q2

UNAUDITED CONSOLIDATED STATEMEN

UNAUDITED CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Mar. 31, 2018	Sep. 30, 2017
ASSETS
Cash and amounts due from depository institutions	$ 2,720	$ 2,274
Interest-bearing deposits	15,388	25,629
Total cash and cash equivalents	18,108	27,903
Certificates of deposit	1,604	1,604
Investment and mortgage-backed securities available for sale (amortized cost- March 31, 2018, $225,480; September 30, 2017, $180,087)	219,103	178,402
Investment and mortgage-backed securities held to maturity (fair value- March 31, 2018, $60,137; September 30, 2017, $60,179)	63,026	61,284
Loans receivable-net of allowance for loan losses (March 31, 2018, $4,841; September 30, 2017, $4,466)	584,380	571,343
Accrued interest receivable	3,439	2,825
Real estate owned	85	192
Federal Home Loan Bank stock-at cost	6,759	6,002
Office properties and equipment-net	7,671	7,804
Bank owned life insurance	28,370	28,048
Prepaid expenses and other assets	1,534	3,231
Goodwill	6,102	6,102
Intangible assets	639	709
Deferred tax assets-net	3,555	4,091
TOTAL ASSETS	944,375	899,540
Deposits:
Noninterest-bearing	11,904	9,375
Interest-bearing	662,798	626,607
Total deposits	674,702	635,982
Advances from Federal Home Loan Bank (short-term)	20,000	20,000
Advances from Federal Home Loan Bank (long-term)	106,355	94,318
Accrued interest payable	1,328	1,933
Advances from borrowers for taxes and insurance	2,490	2,207
Accounts payable and accrued expenses	7,440	8,921
Total liabilities	812,315	763,361
STOCKHOLDERS' EQUITY:
Preferred stock, $.01 par value, 10,000,000 shares authorized, none issued
Common stock, $.01 par value, 40,000,000 shares authorized; 10,819,006 issued and 8,998,235 outstanding at March 31, 2018; 10,819,006 issued and 9,008,125 outstanding at September 30, 2017	108	108
Additional paid-in capital	118,549	118,751
Treasury stock, at cost: 1,820,771 shares at March 31, 2018 and 1,810,881 shares at September 30, 2017	(27,177)	(26,707)
Retained earnings	45,035	44,787
Accumulated other comprehensive loss	(4,455)	(760)
Total stockholders' equity	132,060	136,179
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 944,375	$ 899,540

UNAUDITED CONSOLIDATED STATEME3

UNAUDITED CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Parentheticals) - USD ($) $ in Thousands	Mar. 31, 2018	Sep. 30, 2017
Statement Of Financial Position [Abstract]
Investment and mortgage-backed securities available for sale, amortized cost (in dollars)	$ 225,480	$ 180,087
Investment and mortgage-backed securities held to maturity, fair value (in dollars)	60,137	60,179
Allowance for loan losses on loans receivable (in dollars)	$ 4,841	$ 4,466
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized	10,000,000	10,000,000
Preferred stock, shares issued	0	0
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized	40,000,000	40,000,000
Common stock, shares issued	10,819,006	10,819,006
Common stock, shares outstanding	8,998,235	9,008,125
Number of treasury share purchased	1,820,771	1,810,881

UNAUDITED CONSOLIDATED STATEME4

UNAUDITED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2018	Mar. 31, 2017	Mar. 31, 2018	Mar. 31, 2017
INTEREST INCOME:
Interest on loans	$ 6,261	$ 5,090	$ 12,368	$ 8,415
Interest on mortgage-backed securities	851	806	1,693	1,377
Interest and dividends on investments	1,060	731	2,009	1,337
Interest on interest-bearing assets	183	44	321	47
Total interest income	8,355	6,671	16,391	11,176
INTEREST EXPENSE:
Interest on deposits	1,571	996	2,983	1,687
Interest on advances from Federal Home Loan Bank (short-term)	59		141
Interest on advances from Federal Home Loan Bank (long-term)	497	376	903	542
Total interest expense	2,127	1,372	4,027	2,229
NET INTEREST INCOME	6,228	5,299	12,364	8,947
PROVISION FOR LOAN LOSSES	150	2,365	360	2,550
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	6,078	2,934	12,004	6,397
NON-INTEREST INCOME:
Fees and other service charges	161	169	328	293
Gain on sale of loans, net		5		44
Income from bank owned life insurance	156	171	320	277
Other	250	173	334	197
Total non-interest income	567	518	982	876
NON-INTEREST EXPENSE:
Salaries and employee benefits	2,037	2,140	4,011	3,709
Data processing	189	194	365	306
Professional services	402	469	1,194	788
Office occupancy	308	257	579	427
Depreciation	156	159	312	241
Director compensation	61	93	120	161
Deposit insurance premium	80	71	141	41
Advertising	52	29	112	66
Merger related costs		2,663		2,663
Core deposit amortization	34	37	71	37
Other	550	651	1,007	1,044
Total non-interest expense	3,869	6,763	7,912	9,483
INCOME (LOSS) BEFORE INCOME TAXES	2,776	(3,311)	5,074	(2,210)
INCOME TAXES:
Current expense (benefit)	622	(642)	1,270	(172)
Deferred (benefit) expense	(3)	(529)	1,613	(629)
Total income tax expense (benefit)	619	(1,171)	2,883	(801)
NET INCOME (LOSS)	$ 2,157	$ (2,140)	$ 2,191	$ (1,409)
BASIC EARNINGS (LOSS) PER SHARE (in dollars per share)	$ 0.24	$ (0.27)	$ 0.25	$ (0.18)
DILUTED EARNINGS (LOSS) PER SHARE (in dollars per share)	0.24	(0.27)	0.24	(0.18)
DIVIDENDS PER SHARE (in dollars per share)	$ 0.05	$ 0.03	$ 0.25	$ 0.06

UNAUDITED CONSOLIDATED STATEME5

UNAUDITED CONSOLIDATED STATEMENTS OF COMPREHENSIVE LOSS - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2018	Mar. 31, 2017	Mar. 31, 2018	Mar. 31, 2017
Statement Of Other Comprehensive Income [Abstract]
Net income (loss)	$ 2,157	$ (2,140)	$ 2,191	$ (1,409)
Unrealized holding losses on available-for-sale securities	(3,596)	(548)	(4,703)	(4,000)
Tax effect	756	186	1,132	1,360
Unrealized holding gain on interest rate swaps	190	59	234	784
Tax effect	(40)	(20)	(55)	(262)
Total other comprehensive loss	(2,690)	(323)	(3,392)	(2,118)
Comprehensive loss	$ (533)	$ (2,463)	$ (1,201)	$ (3,527)

UNAUDITED CONSOLIDATED STATEME6

UNAUDITED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Common Stock	Additional Paid-In Capital	Unearned ESOP Shares	Treasury Stock	Retained Earnings	Accumulated Other Comprehensive Income (Loss)	Total
BALANCE at Sep. 30, 2016	$ 95	$ 95,713	$ (4,550)	$ (21,098)	$ 43,044	$ 798	$ 114,002
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)					(1,409)		(1,409)
Other comprehensive loss						(2,118)	(2,118)
Dividends paid ($0.06, $0.25 per share for September 30, 2017 and March 2018, respectively)					(495)		(495)
Issuance of common stock (1,274,197 shares)	13	21,814					21,827
Purchase of Treasury Stock (99,430 shares and 43,435 shares for September 2017 and march 2018 respectively)				(995)			(995)
Terminate ESOP Plan (303,115 shares)			4,456	(5,189)			(733)
Treasury Stock used for employee benefit plans (89,540 shares and 34,805 shares for September 2017 and for march 2018 respectively)		(653)		653
Stock option expense		280					280
Restricted shares expense		268					268
Reclassification due to change in federal income tax rate							0
ESOP shares committed to be released (8,879 shares)		45	$ 94				139
BALANCE at Mar. 31, 2017	108	117,467		(26,629)	41,140	(1,320)	130,766
BALANCE at Sep. 30, 2017	108	118,751		(26,707)	44,787	(760)	136,179
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)					2,191		2,191
Other comprehensive loss						(3,392)	(3,392)
Dividends paid ($0.06, $0.25 per share for September 30, 2017 and March 2018, respectively)					(2,246)		(2,246)
Purchase of Treasury Stock (99,430 shares and 43,435 shares for September 2017 and march 2018 respectively)				(1,804)			(1,804)
Treasury Stock used for employee benefit plans (89,540 shares and 34,805 shares for September 2017 and for march 2018 respectively)		(691)		1,334			643
Stock option expense		239					239
Restricted shares expense		250					250
Reclassification due to change in federal income tax rate					303	(303)	(303)
BALANCE at Mar. 31, 2018	$ 108	$ 118,549		$ (27,177)	$ 45,035	$ (4,455)	$ 132,060

UNAUDITED CONSOLIDATED STATEME7

UNAUDITED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parentheticals) - $ / shares	6 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Statement Of Stockholders Equity [Abstract]
Dividends paid (in dollars per share)	$ 0.25	$ 0.06
Purchase of treasury stock	99,430	43,435
Treasury stock used for Recognition and Retention Plan	89,540	34,805
Terminate Esop Plan Shares		303,115
Issuance of common stock		1,274,197
Number of ESOP shares committed to be released		8,879

UNAUDITED CONSOLIDATED STATEME8

UNAUDITED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	6 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
OPERATING ACTIVITIES:
Net income (loss)	$ 2,191	$ (1,409)
Adjustments to reconcile net income (loss) to net cash used in operating activities:
Depreciation	312	241
Net amortization of premiums/discounts	234	510
Provision for loan losses	360	2,550
Net amortization of deferred loan fees and costs	165	165
Share-based compensation expense for stock options and awards	489	266
Income from bank owned life insurance	(320)	(277)
Gain from sale of loans held for sale		(44)
Gain on sale of other real estate owned	(60)	(60)
Originations of loans held for sale		(2,434)
Proceeds from sale of loans held for sale		2,478
Compensation expense of ESOP		421
Deferred income tax expense (benefit)	1,613	(629)
Changes in assets and liabilities which used cash:
Accrued interest receivable	(614)	(698)
Accrued interest payable	(605)	(613)
Other, net	(149)	1,594
Net cash provided by operating activities	3,616	2,061
INVESTING ACTIVITIES:
Purchase of investment and mortgage-backed securities available for sale	(52,747)	(67,387)
Purchase of investment and mortgage-backed securities held to maturity	(2,458)	(18,847)
Loans originated	(54,131)	(104,878)
Principal collected on loans	40,860	85,384
Principal payments received on investment and mortgage-backed securities:
Held-to-maturity	681	578
Available-for-sale	7,140	11,504
Proceeds from the sale of Polonia Bancorp's investment portfolio acquired		42,164
Redemption of FHLB Stock	1,596	163
Purchase of FHLB stock	(2,353)
Proceeds from sale of real estate owned	278	449
Acquisition of Polonia Bancorp, Inc., net of cash		28,956
Purchase of BOLI		(10,000)
Purchases of equipment	(179)	(214)
Net cash used in investing activities	(61,313)	(32,128)
FINANCING ACTIVITIES:
Net decrease in demand deposits, NOW accounts, and savings accounts	(10,064)	(4,009)
Net increase in certificates of deposit	48,784	37,675
Proceeds from FHLB advances - long term	39,500
Repayment of FHLB advances - long term	(27,194)	(1,813)
Increase in advances from borrowers for taxes and insurance	283	1,041
Cash dividends paid	(2,246)	(495)
Release unallocated shares from ESOP Plan		4,550
Repayment of remaining principal balance of ESOP Loan		(733)
Treasury stock used for employee benefit plans	643
Purchase of treasury stock	(1,804)	(5,531)
Net cash provided by financing activities	47,902	30,685
NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS	(9,795)	618
CASH AND CASH EQUIVALENTS-Beginning of period	27,903	12,440
CASH AND CASH EQUIVALENTS-End of period	18,108	13,058
Cash paid during the period for:
Interest on deposits and advances from Federal Home Loan Bank	4,632	2,842
Income taxes	1,400	980
Loans transferred to real estate owned	$ 111
Assets acquired:
Investment securities		42,164
Loans		160,157
Premises		6,902
Core deposit intangible		822
Other assets		14,039
Total assets		224,084
Liabilities assumed:
Deposits		172,243
Advances		57,232
Other liabilities		8,914
Total liabilities assumed		238,389
Net non-cash assets (liabilities) acquired		(14,305)
Cash acquired		$ 47,901

SIGNIFICANT ACCOUNTING POLICIES

SIGNIFICANT ACCOUNTING POLICIES	6 Months Ended
	Mar. 31, 2018
Accounting Policies [Abstract]
SIGNIFICANT ACCOUNTING POLICIES	1. SIGNIFICANT ACCOUNTING POLICIES Prudential Bancorp, Inc. (the “Company”) is a Pennsylvania corporation and the parent holding company for Prudential Bank (the “Bank”), a Pennsylvania chartered savings bank. The Company is a registered bank holding company. The Bank is a community-oriented Pennsylvania-chartered savings bank headquartered in South Philadelphia. The banking office network currently consists of the headquarters and main office (which includes a branch office), administrative office, and nine full-service branch offices. Eight of the branch offices are located in Philadelphia (Philadelphia County), one is in Drexel Hill, Delaware County, and one is in Huntingdon Valley, Montgomery County (both Pennsylvania counties). The Bank maintains ATMs at all 10 of the banking offices. The Bank also provides on-line and mobile banking services. The Bank is subject to regulation by the Pennsylvania Department of Banking and Securities (the “Department”), as its chartering authority and primary regulator, and by the Federal Deposit Insurance Corporation (the “FDIC”), which insures the Bank’s deposits up to applicable limits. As a bank holding company, the Company is subject to the regulation of the Board of Governors of the Federal Reserve System. On January 1, 2017, the Company completed its acquisition of Polonia Bancorp, Inc. (“Polonia Bancorp”) and Polonia Bank, Polonia’s wholly owned subsidiary. Polonia Bancorp and Polonia Bank were merged with and into the Company and the Bank, respectively. Basis of presentation – Use of Estimates in the Preparation of Financial Statements — Recent Accounting Pronouncements In May 2014, the FASB issued ASU 2014-09, Revenue from Contracts with Customers Revenue from Contracts with Customers Topic 606 . In January 2016, the FASB issued ASU 2016-01, Financial Instruments – Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842) . In June 2016, the FASB issued ASU 2016-13, Financial Instruments - Credit Losses: Measurement of Credit Losses on Financial Instruments In August 2016, the FASB issued ASU 2016-15, Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payments In January 2017, the FASB issued ASU 2017-01, Business Combinations (Topic 805), Clarifying the Definition of a Business In January 2017, the FASB issued ASU 2017-04, Simplifying the Test for Goodwill Impairment This Update is not expected to have a significant impact on the Company’s financial statements. In February 2017, the FASB issued ASU 2017-05, Other Income—Gains and Losses from the Derecognition of Nonfinancial Assets (Subtopic 610-20). . The Company is currently evaluating the impact the adoption of the standard will have on the Company’s financial position or results of operations. In March 2017, the FASB issued ASU 2017-08, Receivables – Nonrefundable Fees and Other Costs (Subtopic 310-20). The amendments in this Update shorten the amortization period for certain callable debt securities held at a premium. Specifically, the amendments require the premium to be amortized to the earliest call date. The amendments do not require an accounting change for securities held at a discount; the discount continues to be amortized to maturity. For public business entities, the amendments in this Update are effective for fiscal years, and interim periods within those fiscal years, beg For all other entities, the amendments are effective for fiscal years beginning after December 15, 2019, and interim periods within fiscal years beginning after December 15, 2020. Early adoption is permitted, including adoption in an interim period. If an entity early adopts the amendments in an interim period, any adjustments should be reflected as of the beginning of the fiscal year that includes that interim period. An entity should apply the amendments in this Update on a modified retrospective basis through a cumulative-effect adjustment directly to retained earnings as of the beginning of the period of adoption. Additionally, in the period of adoption, an entity should provide disclosures about a change in accounting principle. The Company is currently evaluating the impact the adoption of the standard will have on the Company’s financial position and results of operations. In May 2017, the FASB issued ASU 2017-09, Compensation – Stock Compensation (Topic 718) This Update is not expected to have a significant impact on the Company’s financial statements. In August 2017, the FASB issued ASU 2017-12, Derivatives and Hedging (Topic 850) . The Company is currently evaluating the impact the adoption of the standard will have on the Company’s financial position or results of operations. In January 2018, the FASB issued ASU 2018-01, Leases (Topic 842) The Company is currently evaluating the impact the adoption of the standard will have on the Company’s financial position and results of operations. In February 2018, the FASB issued ASU 2018-02, Income Statement – Reporting Comprehensive Income (Topic 220) In February 2018, the FASB issued ASU 2018-03, Technical Corrections and Improvements to Financial Instruments—Overall (Subtopic 825-10) Fair Value Measurement Derivatives and Hedging—Embedded Derivatives Financial Instruments—Overall

EARNINGS PER SHARE

EARNINGS PER SHARE	6 Months Ended
	Mar. 31, 2018
Earnings Per Share [Abstract]
EARNINGS PER SHARE	2. EARNINGS PER SHARE Basic earnings per common share is computed by dividing net income available to common stockholders by the weighted average number of shares of common stock issued, net of any treasury shares and unearned restricted stock shares, during the period. Diluted earnings per share is calculated by dividing net income available to common stockholders by the weighted average number of shares of common stock outstanding, net of any treasury shares, after consideration of the potential dilutive effect of common stock equivalents, based upon the treasury stock method using an average market price for the period. The calculated basic and diluted earnings per share are as follows: Three Months Ended March 31, 2018 2017 Basic Diluted Basic Diluted (Dollars in Thousands Except Share and Per Share Data) Net income (loss) $ 2,157 $ 2,157 $ (2,140 ) $ (2,140 ) Weighted average shares outstanding 8,851,805 8,851,805 8,639,908 8,639,908 Effect of common stock equivalents - 326,295 - - Adjusted weighted average shares used in earnings per share computation 8,851,805 9,178,100 8,639,908 8,639,908 Earnings (loss) per share - basic and diluted $ 0.24 $ 0.24 $ (0.27 ) $ (0.27 ) Six Months Ended March 31, 2018 2017 Basic Diluted Basic Diluted (Dollars in Thousands Except Share and Per Share Data) Net income (loss) $ 2,191 $ 2,191 $ (1,409 ) $ (1,409 ) Weighted average shares outstanding 8,853,479 8,853,479 7,979,541 7,979,541 Effect of common stock equivalents - 351,436 - - Adjusted weighted average shares used in earnings per share computation 8,853,479 9,204,915 7,979,541 7,979,541 Earnings (loss) per share - basic and diluted $ 0.25 $ 0.24 $ (0.18 ) $ (0.18 ) All exercisable stock options outstanding as of March 31, 2018 and 2017 had exercise prices below the then current per share market price for the Company’s common stock and were considered dilutive for the earnings per share calculation.

ACCUMULATED OTHER COMPREHENSIVE

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)	6 Months Ended
	Mar. 31, 2018
Accumulated Other Comprehensive Income [Abstract]
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)	3. ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) The following table presents the changes in accumulated other comprehensive (loss) income by component net of tax: Three Months Ended March 31, Three Months Ended March 31, 2018 2018 2018 2017 2017 2017 Unrealized gain (loss) Unrealized gain (loss) on Total accumulated Unrealized gain (loss) Unrealized gain (loss) on Total accumulated Beginning balance, January 1 $ (2,125 ) $ 360 $ (1,765 ) $ (1,348 ) $ 351 $ (997 ) Other comprehensive (loss) income before reclassification (2,840 ) 150 (2,690 ) (362 ) 39 (323 ) Total (4,965 ) 510 (4,455 ) (1,710 ) 390 (1,320 ) Reclassification due to change in federal income tax rate - - - - - - Ending Balance, March 31 $ (4,965 ) $ 510 $ (4,455 ) $ (1,710 ) $ 390 $ (1,320 ) (a) All amounts are net of tax. Amounts in parentheses indicate debits. The following table presents the changes in accumulated other comprehensive (loss) income by component net of tax: Six Months Ended March 31, Six Months Ended March 31, 2018 2018 2018 2017 2017 2017 Unrealized gain (loss) Unrealized gain (loss) on Total accumulated Unrealized gain (loss) Unrealized gain (loss) on Total accumulated Beginning balance, October 1 $ (1,091 ) $ 331 $ (760 ) $ 931 $ (133 ) $ 798 Other comprehensive (loss) income before reclassification (3,571 ) 179 (3,392 ) (2,641 ) 523 (2,118 ) Total (4,662 ) 510 (4,152 ) (1,710 ) 390 (1,320 ) Reclassification due to change in federal income tax rate (303 ) - (303 ) - - - Ending Balance, March 31 $ (4,965 ) $ 510 $ (4,455 ) $ (1,710 ) $ 390 $ (1,320 ) (a) All amounts are net of tax. Amounts in parentheses indicate debits. There was no reclassification adjustment to accumulated comprehensive income for the periods presented.

INVESTMENT AND MORTGAGE-BACKED

INVESTMENT AND MORTGAGE-BACKED SECURITIES	6 Months Ended
	Mar. 31, 2018
Investments, Debt and Equity Securities [Abstract]
INVESTMENT AND MORTGAGE-BACKED SECURITIES	4. INVESTMENT AND MORTGAGE-BACKED SECURITIES The amortized cost and fair value of investment and mortgage-backed securities, with gross unrealized gains and losses, are as follows: March 31, 2018 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (Dollars in Thousands) Securities Available for Sale: U.S. government and agency obligations $ 25,641 $ - $ (876 ) $ 24,765 Mortgage-backed securities - U.S. government agencies 136,236 95 (4,216 ) 132,115 Corporate bonds 63,597 104 (1,514 ) 62,187 Total debt securities available for sale 225,474 199 (6,606 ) 219,067 FHLMC preferred stock 6 30 - 36 Total securities available for sale $ 225,480 $ 229 $ (6,606 ) $ 219,103 Securities Held to Maturity: U.S. government and agency obligations $ 33,500 $ 149 $ (2,561 ) $ 31,088 Mortgage-backed securities - U.S. government agencies 6,338 188 (108 ) 6,418 State and political subdivisions 23,188 21 (578 ) 22,631 Total securities held to maturity $ 63,026 $ 358 $ (3,247 ) $ 60,137 September 30, 2017 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (Dollars in Thousands) Securities Available for Sale: U.S. government and agency obligations $ 26,125 $ 9 $ (335 ) $ 25,799 Mortgage-backed securities - U.S. government agencies 119,456 146 (1,475 ) 118,127 Corporate debt securities 34,500 185 (285 ) 34,400 Total debt securities available for sale 180,081 340 (2,095 ) 178,326 FHLMC preferred stock 6 70 - 76 Total securities available for sale $ 180,087 $ 410 $ (2,095 ) $ 178,402 Securities Held to Maturity: U.S. government and agency obligations $ 33,500 $ 229 $ (1,688 ) $ 32,041 State and political subdivisions 20,781 165 (104 ) 20,842 Mortgage-backed securities - U.S. government agencies 7,003 304 (11 ) 7,296 Total securities held to maturity $ 61,284 $ 698 $ (1,803 ) $ 60,179 As of March 31, 2018, the Bank maintained $101.7 million in a safekeeping account at the FHLB of Pittsburgh used for collateral as a convenience. The Bank is not required to maintain any specific collateral for its borrowings; therefore these securities are not restricted and could be sold or transferred if needed. The following table shows the gross unrealized losses and related fair values of the Company’s investment and mortgage-backed securities, aggregated by investment category and length of time that individual securities had been in a continuous loss position at March 31, 2018: Less than 12 months More than 12 months Total Gross Gross Gross Unrealized Fair Unrealized Fair Unrealized Fair Losses Value Losses Value Losses Value (Dollars in Thousands) Securities Available for Sale: U.S. government and agency obligations $ (876 ) $ 24,765 $ - $ - $ (876 ) $ 24,765 Mortgage-backed securities - agency (2,684 ) 85,474 (1,532 ) 37,089 (4,216 ) 122,563 Corporate debt securities (1,514 ) 52,233 - - (1,514 ) 52,233 Total securities available for sale $ (5,074 ) $ 162,472 $ (1,532 ) $ 37,089 $ (6,606 ) $ 199,561 Securities Held to Maturity: U.S. government and agency obligations $ (2,561 ) $ 27,939 $ - $ - $ (2,561 ) $ 27,939 Mortgage-backed securities - agency (72 ) 2,947 (36 ) 1,042 (108 ) 3,989 State and political subdivisions (578 ) 18,341 - - (578 ) 18,341 Total securities held to maturity $ (3,211 ) $ 49,227 $ (36 ) $ 1,042 $ (3,247 ) $ 50,269 Total $ (8,285 ) $ 211,699 $ (1,568 ) $ 38,131 $ (9,853 ) $ 249,830 The following table shows the gross unrealized losses and related fair values of the Company’s investment securities, aggregated by investment category and length of time that individual securities had been in a continuous loss position at September 30, 2017: Less than 12 months More than 12 months Total Gross Gross Gross Unrealized Fair Unrealized Fair Unrealized Fair Losses Value Losses Value Losses Value (Dollars in Thousands) Securities Available for Sale: U.S. government and agency obligations $ (335 ) $ 20,655 $ - $ - $ (335 ) $ 20,655 Mortgage-backed securities - U.S. government agencies (1,135 ) 77,176 (340 ) 11,684 (1,475 ) 88,860 Corporate debt securities (285 ) 22,511 - - (285 ) 22,511 Total securities available for sale $ (1,755 ) $ 120,342 $ (340 ) $ 11,684 $ (2,095 ) $ 132,026 Securities Held to Maturity: U.S. government and agency obligations $ (1,688 ) $ 28,813 $ - $ - $ (1,688 ) $ 28,813 Mortgage-backed securities - U.S. government agencies (11 ) 1,176 (11 ) 1,176 State and political subdivisions (104 ) 7,854 - - (104 ) 7,854 Total securities held to maturity $ (1,803 ) $ 37,843 $ - $ - $ (1,803 ) $ 37,843 Total $ (3,558 ) $ 158,185 $ (340 ) $ 11,684 $ (3,898 ) $ 169,869 Management evaluates securities for other-than-temporary impairment (“OTTI”) at least once each quarter, and more frequently when economic or market concerns warrant such evaluation. The evaluation is based upon factors such as the creditworthiness of the issuers/guarantors, the underlying collateral, if applicable, and the continuing performance of the securities. Management also evaluates other facts and circumstances that may be indicative of an OTTI condition. This includes, but is not limited to, an evaluation of the type of security, the length of time and extent to which the fair value of the security has been less than cost, and the near-term prospects of the issuer. The Company assesses whether a credit loss exists with respect to a security by considering whether (1) the Company has the intent to sell the security, (2) it is more likely than not that it will be required to sell the security before recovery has occurred, or (3) it does not expect to recover the entire amortized cost basis of the security. The Company bifurcates the OTTI impact on impaired securities where impairment in value was deemed to be other than temporary between the component representing credit loss and the component representing loss related to other factors. The portion of the fair value decline attributable to credit loss must be recognized through a charge to earnings. The credit component is determined by comparing the present value of the cash flows expected to be collected, discounted at the rate in effect before recognizing any OTTI, with the amortized cost basis of the debt security. The Company uses the cash flows expected to be realized from the security, which includes assumptions about interest rates, timing and severity of defaults, estimates of potential recoveries, the cash flow distribution from the security and other factors, then applies a discount rate equal to the effective yield of the security. The difference between the present value of the expected cash flows and the amortized book value is considered a credit loss. The fair value of the security is determined using the same expected cash flows; the discount rate is a rate the Company determines from open market and other sources as appropriate for the particular security. The difference between the fair value and the security’s remaining amortized cost is recognized in other comprehensive income (loss). For both the three and six months ended March 31, 2018 and 2017, the Company did not record any credit losses on investment securities through earnings. U.S. Government and Agency Obligations - Mortgage-Backed Securities – Corporate Debt Securities Municipal Bonds The amortized cost and fair value of debt securities, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. The maturity table below excludes mortgage-backed securities because the contractual maturities of such securities are not indicative of actual maturities due to significant prepayments. March 31, 2018 Held to Maturity Available for Sale Amortized Fair Amortized Fair Cost Value Cost Value (Dollars in Thousands) Due after one through five years $ 4,357 $ 4,355 $ 7,076 $ 7,026 Due after five through ten years 25,525 24,641 56,521 55,161 Due after ten years 26,806 24,723 25,641 24,765 Total $ 56,688 $ 53,719 $ 89,238 $ 86,952 During the both three and six month periods ended March 31, 2018 and 2017, the Company did not sell any securities. During the both three and six month periods ended March 31, 2018 and 2017, the Company did not use investment securities as collateral for any of its FHLB advances.

LOANS RECEIVABLE

LOANS RECEIVABLE	6 Months Ended
	Mar. 31, 2018
Receivables [Abstract]
LOANS RECEIVABLE	5. LOANS RECEIVABLE Loans receivable consist of the following: March 31, September 30, 2018 2017 (Dollars in Thousands) One-to-four family residential $ 346,486 $ 351,298 Multi-family residential 21,345 21,508 Commercial real estate 116,777 127,644 Construction and land development 140,829 145,486 Loans to financial institutions 6,000 - Commercial business 10,270 488 Leases 2,767 4,240 Consumer 1,824 1,943 Total loans 646,298 652,607 Undisbursed portion of loans-in-process (54,308 ) (73,858 ) Deferred loan fees (net) (2,769 ) (2,940 ) Allowance for loan losses (4,841 ) (4,466 ) Net loans $ 584,380 $ 571,343 The following table summarizes by loan segment the balance in the allowance for loan losses and the loans individually and collectively evaluated for impairment by loan segment at March 31, 2018: One- to-four Multi-family Commercial real Construction and Loans to financial Commercial Leases Consumer Unallocated Total (Dollars in Thousands) Allowance for loan losses: Individually evaluated for impairment $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Collectively evaluated for impairment 1,308 205 1,083 1,465 62 106 29 97 486 4,841 Total ending allowance balance $ 1,308 $ 205 $ 1,083 $ 1,465 $ 62 $ 106 $ 29 $ 97 $ 486 $ 4,841 Loans: Individually evaluated for impairment $ 9,864 $ 307 $ 3,581 $ 8,744 $ - $ - $ - $ 10 $ 22,506 Collectively evaluated for impairment 336,622 21,038 113,196 132,085 6,000 10,270 2,767 1,814 623,792 Total loans $ 346,486 $ 21,345 $ 116,777 $ 140,829 $ 6,000 $ 10,270 $ 2,767 $ 1,824 $ 646,298 The following table summarizes by loan segment the balance in the allowance for loan losses and the loans individually and collectively evaluated for impairment by loan segment at September 30, 2017: One- to-four Multi-family Commercial real Construction and Commercial Leases Consumer Unallocated Total (Dollars in Thousands) Allowance for loan losses: Individually evaluated for impairment $ - $ - $ - $ - $ - $ - $ - $ - $ - Collectively evaluated for impairment 1,241 205 1,201 1,358 4 23 24 410 4,466 Total ending allowance balance $ 1,241 $ 205 $ 1,201 $ 1,358 $ 4 $ 23 $ 24 $ 410 $ 4,466 Loans: Individually evaluated for impairment $ 8,277 $ 317 $ 2,337 $ 8,724 $ - $ - $ 10 $ 19,665 Collectively evaluated for impairment 343,021 21,191 125,307 136,762 488 4,240 1,933 632,942 Total loans $ 351,298 $ 21,508 $ 127,644 $ 145,486 $ 488 $ 4,240 $ 1,943 $ 652,607 The loan portfolio is segmented at a level that allows management to monitor both risk and performance. Management evaluates for potential impairment all construction, multi-family, commercial real estate, commercial business loans, loans to financial institutions and leases and all loans and leases more than 90 days delinquent as to principal and/or interest. Loans are considered to be impaired when, based on current information and events, it is probable that the Company will be unable to collect in full the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Once the determination is made that a loan is impaired, the determination of whether a specific allocation of the allowance is necessary is generally measured by comparing the recorded investment in the loan to the fair value of the loan using one of the following three methods: (a) the present value of the 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 less selling costs. Management primarily utilizes the fair value of collateral method as a practically expedient alternative. On collateral method evaluations, any portion of the loan deemed uncollectible is charged-off against the loan loss allowance. The following table presents impaired loans by class as of March 31, 2018, segregated by those for which a specific allowance was required and those for which a specific allowance was not required. Impaired Loans with Impaired Loans with No Specific Specific Allowance Allowance Total Impaired Loans (Dollars in Thousands) Unpaid Recorded Related Recorded Recorded Principal Investment Allowance Investment Investment Balance One-to-four family residential $ - $ - $ 9,864 $ 9,864 $ 10,197 Multi-family residential - - 307 307 307 Commercial real estate - - 3,581 3,581 3,627 Construction and land development - - 8,744 8,744 11,125 Consumer Loans - - 10 10 10 Total loans $ - $ - $ 22,506 $ 22,506 $ 25,266 The following table presents impaired loans by class as of September 30, 2017, segregated by those for which a specific allowance was required and those for which a specific allowance was not required. Impaired Loans with Impaired Loans with No Specific Specific Allowance Allowance Total Impaired Loans (Dollars in Thousands) Unpaid Recorded Related Recorded Recorded Principal Investment Allowance Investment Investment Balance One-to-four family residential $ - $ - $ 8,277 $ 8,277 $ 9,245 Multi-family - - 317 317 317 Commercial real estate - - 2,337 2,337 2,449 Construction and land development - - 8,724 8,724 11,105 Consumer loans - - 10 10 10 Total loans $ - $ - $ 19,665 $ 19,665 $ 23,126 The following tables present the average recorded investment in impaired loans and related interest income recognized for the periods indicated: Three Months Ended March 31, 2018 Average Income Recognized Income (Dollars in Thousands) One-to-four family residential $ 9,777 $ 43 $ - Multi-family residential 311 5 - Commercial real estate 3,316 29 - Construction and land development 8,744 - - Consumer 10 - - Total loans $ 22,158 $ 77 $ - Three Months Ended March 31, 2017 Average Income Recognized Income (Dollars in Thousands) One-to-four family residential $ 6,086 $ 32 $ 33 Multi-family residential 330 6 - Commercial real estate 2,801 17 - Construction and land development 9,607 - - Total loans $ 18,824 $ 55 $ 33 Six Months Ended March 31, 2018 Average Income Recognized Income (Dollars in Thousands) One-to-four family residential $ 8,521 $ 77 $ 4 Multi-family residential 316 11 - Commercial real estate 2,942 58 - Construction and land development 8,879 - - Consumer 10 - - Total loans $ 20,668 $ 146 $ 4 Six Months Ended March 31, 2017 Average Income Recognized Income (Dollars in Thousands) One-to-four family residential $ 5,909 $ 49 $ 59 Multi-family residential 332 12 - Commercial real estate 2,919 35 12 Construction and land development 9,834 - - Total loans $ 18,994 $ 96 $ 71 Federal regulations and our loan policy require that the Company utilize an internal asset classification system as a means of reporting problem and potential problem assets. The Company has incorporated an internal asset classification system, consistent with Federal banking regulations, as a part of its credit monitoring system. Management currently classifies problem and potential problem assets as “special mention”, “substandard,” “doubtful” or “loss” assets. An asset is considered “substandard” if it is inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. “Substandard” assets include those characterized by the “distinct possibility” that the insured institution will sustain “some loss” if the deficiencies are not corrected. Assets classified as “doubtful” have all of the weaknesses inherent in those classified “substandard” with the added characteristic that the weaknesses present make “collection or liquidation in full,” on the basis of currently existing facts, conditions, and values, “highly questionable and improbable.” Assets classified as “loss” are those considered “uncollectible” and of such little value that their continuance as assets without the establishment of a specific loss reserve is not warranted. Assets which do not currently expose the insured institution to sufficient risk to warrant classification in one of the three aforementioned categories but possess weaknesses are required to be designated “special mention.” The following tables present the classes of the loan portfolio in which a formal risk weighting system is utilized summarized by the aggregate “Pass” and the criticized category of “special mention”, and the classified categories of “substandard”, “doubtful” and “loss” within the Company’s risk rating system as applied to the loan portfolio. The Company had no loans classified as “doubtful” or “loss” at either of the dates presented. March 31, 2018 Special Total Pass Mention Substandard Loans (Dollars in Thousands) One-to-four family residential $ - $ 3,322 $ 3,596 $ 6,918 Multi-family residential 21,038 - 307 21,345 Commercial real estate 113,196 1,952 1,629 116,777 Construction and land development 132,085 - 8,744 140,829 Loans to financial institutions 6,000 - - 6,000 Commercial business 10,270 - - 10,270 Total loans $ 282,589 $ 5,274 $ 14,276 $ 302,139 September 30, 2017 Special Total Pass Mention Substandard Loans (Dollars in Thousands) One-to-four family residential $ - $ 1,635 $ 3,878 $ 5,513 Multi-family residential 21,191 - 317 21,508 Commercial real estate 125,307 1,449 888 127,644 Construction and land development 136,763 - 8,723 145,486 Commercial business 488 - - 488 Total loans $ 283,749 $ 3,084 $ 13,806 $ 300,639 The Company evaluates the classification of one-to-four family residential and consumer loans primarily on a pooled basis. If the Company becomes aware that adverse or distressed conditions exist that may affect a particular single-family residential loan, the loan is downgraded following the above definitions of special mention, substandard, doubtful and loss. The following tables represent loans in which a formal risk rating system is not utilized, but loans are segregated between performing and non-performing based primarily on delinquency status. Non-performing loans that would be included in the table are those loans greater than 90 days past due as to principal and/or interest that do not have a designated risk rating. March 31, 2018 Non- Total Performing Performing Loans (Dollars in Thousands) One-to-four family residential $ 336,622 $ 2,946 $ 339,568 Leases 2,767 - 2,767 Consumer 1,824 - 1,824 Total loans $ 341,213 $ 2,946 $ 344,159 September 30, 2017 Non- Total Performing Performing Loans (Dollars in Thousands) One-to-four family residential $ 343,021 $ 2,764 $ 345,785 Leases 4,240 - 4,240 Consumer 1,943 - 1,943 Total loans $ 349,204 $ 2,764 $ 351,968 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 due or overdue, as the case may be. The following table presents the loan categories of the loan portfolio summarized by the aging categories of performing loans, delinquent loans and nonaccrual loans March 31, 2018 90 Days+ 30-89 Days 90 Days + Total Total Non- Past Due Current Past Due Past Due Past Due Loans Accrual and Accruing (Dollars in Thousands) One-to-four family residential $ 342,040 $ 1,646 $ 2,800 $ 4,446 $ 346,486 $ 3,882 $ - Multi-family residential 21,345 - - - 21,345 - - Commercial real estate 115,382 - 1,395 1,395 116,777 1,395 - Construction and land development 132,085 - 8,744 8,744 140,829 8,744 - Financial institutions 6,000 - - - 6,000 - - Commercial business 10,164 106 - 106 10,270 - - Leases 2,767 - - - 2,767 - - Consumer 1,814 10 - 10 1,824 - - Total loans $ 631,597 $ 1,762 $ 12,939 $ 14,701 $ 646,298 $ 14,021 $ - September 30, 2017 90 Days+ 30-89 Days 90 Days + Total Total Non- Past Due Current Past Due Past Due Past Due Loans Accrual and Accruing (Dollars in Thousands) One-to-four family residential $ 346,877 $ 1,746 $ 2,675 $ 4,421 $ 351,298 $ 5,107 $ - Multi-family residential 21,508 - - - 21,508 - - Commercial real estate 125,157 1,000 1,487 2,487 127,644 1,566 - Construction and land development 136,762 - 8,724 8,724 145,486 8,724 - Commercial business 488 - - - 488 - - Leases 4,240 - - - 4,240 - - Consumer 1,874 69 - 69 1,943 - - Total loans $ 636,906 $ 2,815 $ 12,886 $ 15,701 $ 652,607 $ 15,397 $ - The allowance for loan losses is established through a provision for loan losses charged to expense. The Company maintains the allowance at a level believed to cover all known and inherent losses in the portfolio that are both probable and reasonable to estimate at each reporting date. Management reviews the allowance for loan losses no less than quarterly in order to identify these inherent losses and to assess the overall collection probability for the loan portfolio in view of these inherent losses. For each primary type of loan, a loss factor is established reflecting an estimate of the known and inherent losses in such loan type contained in the portfolio using both a quantitative analysis as well as consideration of qualitative factors. The evaluation process includes, among other things, an analysis of delinquency trends, non-performing loan trends, the level of charge-offs and recoveries, prior loss experience, total loans outstanding, the volume of loan originations, the type, size and geographic concentration of the Company’s loans, the value of collateral securing the loans, the borrowers’ ability to repay and repayment performance, the number of loans requiring heightened management oversight, local economic conditions and industry experience. Commercial real estate loans entail significant additional credit risks compared to owner-occupied one-to-four family residential mortgage loans, as they generally involve large loan balances concentrated with a single borrower or groups of related borrowers. In addition, the payment experience on loans secured by income-producing properties typically depends on the successful operation of the related real estate project and/or business operation of the borrower who is, in some cases, also the primary occupant, and thus may be subject to a greater extent to the effects of adverse conditions in the real estate market and in the economy in general. Commercial business loans typically involve a higher risk of default than residential loans of like duration since their repayment is generally dependent on the successful operation of the borrower’s business and the sufficiency of collateral, if any. Land acquisition, development and construction lending exposes the Company to greater credit risk than permanent mortgage financing. The repayment of land acquisition, development and construction loans depends upon the sale of the property to third parties or the availability of permanent financing upon completion of all improvements. These events may adversely affect the sale of the properties, potentially reducing both the borrowers’ ability to make required payments as well as reducing the value of the collateral property. Such lending is additionally subject to the risk that if the estimate of construction cost proves to be inaccurate, the Company potentially will be compelled to advance additional funds to allow completion of the project. In addition, if the estimate of value proves to be inaccurate, the Company may be confronted with a project, when completed, having less value than the loan amount. If the Company is forced to foreclose on a project prior to completion, there is no assurance that the Company would be able to recover the entire unpaid portion of the loan. The following tables summarize the primary segments of the allowance for loan losses. Activity in the allowance is presented for the both three and six month periods ended March 31, 2018 and 2017: Three Months Ended March 31, 2018 One- to Multi- Commercial Construction Financial Commercial Leases Consumer Unallocated Total (Dollars in Thousands) ALLL balance at December 31, 2017 $ 1,270 $ 158 $ 1,064 $ 1,621 $ - $ 26 $ 20 $ 24 $ 493 $ 4,676 Charge-offs - - - (12 ) - - - - - (12 ) Recoveries 27 - - - - - - - - 27 Provision 11 47 19 (144 ) 62 80 9 73 (7 ) 150 ALLL balance at March 31, 2018 $ 1,308 $ 205 $ 1,083 $ 1,465 $ 62 $ 106 $ 29 $ 97 $ 486 $ 4,841 Six Months Ended March 31, 2018 One- to Multi- Commercial Construction Financial Commercial Leases Consumer Unallocated Total (Dollars in Thousands) ALLL balance at September 30, 2017 $ 1,241 $ 205 $ 1,201 $ 1,358 $ - $ 4 $ 23 $ 24 $ 410 $ 4,466 Charge-offs - - - (12 ) - - - - - (12 ) Recoveries 27 - - - - - - - - 27 Provision 40 - (118 ) 119 62 102 6 73 76 360 ALLL balance at March 31, 2018 $ 1,308 $ 205 $ 1,083 $ 1,465 $ 62 $ 106 $ 29 $ 97 $ 486 $ 4,841 Three Months Ended March 31, 2017 One- to Multi- Commercial Construction Commercial Leases Consumer Unallocated Total (Dollars in Thousands) ALLL balance at December 31, 2016 $ 1,564 $ 135 $ 963 $ 415 $ - $ 28 $ 35 $ 314 $ 3,454 Charge-offs (113 ) - - (1,819 ) - - (16 ) - (1,948 ) Recoveries 25 - - - - - - - 25 Provision (126 ) (13 ) (101 ) 2,439 - - 116 50 2,365 ALLL balance at March 31, 2017 $ 1,350 $ 122 $ 862 $ 1,035 $ - $ 28 $ 135 $ 364 $ 3,896 Six Months Ended March 31, 2017 One- to Multi- Commercial Construction Commercial Leases Consumer Unallocated Total (Dollars in Thousands) ALLL balance at September 30, 2016 $ 1,627 $ 137 $ 859 $ 316 $ 1 $ 21 $ 10 $ 298 $ 3,269 Charge-offs (113 ) - - (1,819 ) - - (16 ) - (1,948 ) Recoveries 25 - - - - - - - 25 Provision (189 ) (15 ) 3 2,538 (1 ) 7 141 66 2,550 ALLL balance at March 31, 2017 $ 1,350 $ 122 $ 862 $ 1,035 $ - $ 28 $ 135 $ 364 $ 3,896 The Company recorded a provision for loan losses in the amount of $150,000 and $360,000 for the three and six months period ended March 31, 2018, respectively, compared to $2.4 million and $2.6 million for the comparable three and six months periods in 2017. During the quarter ended March 31, 2018, the Company recorded a charge off of $12,000 and recoveries of $27,000. During the quarter ended March 31, 2017, the Company recorded a $1.9 million charge off related to Company’s then second largest borrowing relationship; the remainder of the increase in the provision was due to increased balances of construction and development and consumer loans. At March 31, 2018, the Company had 10 loans aggregating $6.2 million that were classified as troubled debt restructurings (“TDRs”). Six of such loans aggregating $1.1 million were performing in accordance with the restructured terms as of March 31, 2018 and accruing interest. Three of the TDRs which are classified as non-accrual totaling $4.9 million are a part of a troubled lending relationship totaling $10.7 million (after taking into account the previously disclosed $1.9 million write-down recognized during the quarter ending March 31, 2017 related to this borrowing relationship referenced above). The remaining TDR is also on non-accrual and consists of a $156,000 loan secured by various commercial and residential properties. The Company did not restructure any debt during the three month period ended March 31, 2018; there was one loan restructured during the six month period ending March 31, 2018. The restructure of the loan entailed extending the maturity date of the loan from December 2017 to April 2018. The Company did not restructure any debt during the three and six month periods ended March 31, 2017. As of and for the Six months Ended March 31, 2018 (Dollars in Thousands) Number of Pre- Modification Post- One-to-four family residential 1 $ 77 $ 77 Total 1 $ 77 $ 77 No TDRs defaulted during the period ending March 31, 2018.

DEPOSITS

DEPOSITS	6 Months Ended
	Mar. 31, 2018
Deposits [Abstract]
DEPOSITS	6. DEPOSITS Deposits consist of the following major classifications: March 31, September 30, 2018 2017 Amount Percent Amount Percent (Dollars in Thousands) Money market deposit accounts $ 65,645 9.7 % $ 76,272 12.0 % Interest-bearing checking accounts 53,017 7.9 54,267 8.5 Non interest-bearing checking accounts 11,904 1.8 9,375 1.5 Passbook, club and statement savings 101,027 15.0 101,743 16.0 Certificates maturing in six months or less 119,626 17.7 154,750 24.3 Certificates maturing in more than six months 323,483 47.9 239,575 37.7 Total $ 674,702 100.0 % $ 635,982 100.0 % Certificates of $250,000 and over totaled $36.6 million as of March 31, 2018 and $28.9 million as of September 30, 2017.

ADVANCES FROM FEDERAL HOME LOAN

ADVANCES FROM FEDERAL HOME LOAN BANK - SHORT TERM	6 Months Ended
	Mar. 31, 2018
Debt Disclosure [Abstract]
ADVANCES FROM FEDERAL HOME LOAN BANK - SHORT TERM	7. ADVANCES FROM FEDERAL HOME LOAN BANK – SHORT TERM As of March 31, 2018 and September 30, 2017 outstanding balances and related information of short-term borrowings from the FHLB are summarized follows: March 31, September 30, 2018 2017 Type Maturity Date Coupon Call Date Amount Amount (Dollars in Thousands) Fixed Rate - Advances 6-Oct-17 1.30 % Not Applicable $ 10,000 Fixed Rate - Advances 13-Oct-17 1.31 % Not Applicable 10,000 Weighted average rate 1.31 % Fixed Rate - Advances 6-Apr-18 1.80 % Not Applicable $ 10,000 Fixed Rate - Advances 13-Apr-18 1.99 % Not Applicable 10,000 Weighted average rate 1.90 % $ 20,000 $ 20,000 As of March 31, 2018 and September 30, 2017, $20.0 million consists of two $10.0 million 30 day FHLB advances associated with an interest rate swap contract with a weighted average effective cost of 125 basis points and 117 basis points respectively.

ADVANCES FROM FEDERAL HOME LO16

ADVANCES FROM FEDERAL HOME LOAN BANK - LONG TERM	6 Months Ended
	Mar. 31, 2018
Advances from Federal Home Loan Banks [Abstract]
ADVANCES FROM FEDERAL HOME LOAN BANK - LONG TERM	8. ADVANCES FROM FEDERAL HOME LOAN BANK – LONG TERM Pursuant to collateral agreements with the FHLB of Pittsburgh, advances are secured by a blanket collateral of loans held by the Company and qualifying fixed-income securities and FHLB stock. The long-term advances outstanding as of March 31, 2018 and September 30, 2017 are as follows: March 31, September 30, 2018 2017 Type Maturity Date Coupon Call Date Amount Amount (Dollars in Thousands) Fixed Rate - Amortizing 1-Dec-17 1.16 % Not Applicable $ - $ 505 Fixed Rate - Amortizing 18-Nov-19 1.53 % Not Applicable 2,333 3,044 Fixed Rate - Amortizing 26-Oct-20 1.94 % Not Applicable 3,458 - Fixed Rate - Amortizing 16-Mar-21 2.64 % Not Applicable 2,500 - Fixed Rate - Amortizing 12-Oct-21 1.99 % Not Applicable 2,698 - Fixed Rate - Amortizing 15-Aug-23 1.94 % Not Applicable 1,816 1,974 2.01 % (a) 12,805 5,523 Fixed Rate - Advances 17-Nov-17 1.20 % Not Applicable - 10,000 Fixed Rate - Advances 4-Dec-17 1.15 % Not Applicable - 2,000 Fixed Rate - Advances 19-Mar-18 2.53 % Not Applicable - 5,029 Fixed Rate - Advances 19-Mar-18 2.13 % Not Applicable - 5,041 Fixed Rate - Advances 20-Jun-18 1.86 % Not Applicable 3,004 3,011 Fixed Rate - Advances 25-Jun-18 2.09 % Not Applicable 3,005 3,016 Fixed Rate - Advances 27-Aug-18 4.15 % Not Applicable 7,078 7,174 Fixed Rate - Advances 15-Nov-18 1.89 % Not Applicable 3,008 3,014 Fixed Rate - Advances 16-Nov-18 1.40 % Not Applicable 7,500 7,500 Fixed Rate - Advances 26-Nov-18 1.81 % Not Applicable 2,004 2,008 Fixed Rate - Advances 3-Dec-18 1.54 % Not Applicable 3,000 3,000 Fixed Rate - Advances 16-Aug-19 2.66 % Not Applicable 3,041 3,056 Fixed Rate - Advances 9-Oct-19 2.54 % Not Applicable 2,025 2,034 Fixed Rate - Advances 26-Nov-19 2.35 % Not Applicable 3,037 3,062 Fixed Rate - Advances 22-Jun-20 2.60 % Not Applicable 3,051 3,000 Fixed Rate - Advances 24-Jun-20 2.85 % Not Applicable 2,044 2,054 Fixed Rate - Advances 27-Jul-20 1.38 % Not Applicable 249 249 Fixed Rate - Advances 17-Aug-20 3.06 % Not Applicable 2,056 2,068 Fixed Rate - Advances 9-Oct-20 2.92 % Not Applicable 2,051 2,061 Fixed Rate - Advances 27-Jul-21 1.52 % Not Applicable 249 249 Fixed Rate - Advances 28-Jul-21 1.48 % Not Applicable 249 249 Fixed Rate - Advances 29-Jul-21 1.42 % Not Applicable 249 249 Fixed Rate - Advances 19-Aug-21 1.55 % Not Applicable 249 249 Fixed Rate - Advances 7-Oct-21 3.19 % Not Applicable 2,078 2,089 Fixed Rate - Advances 12-Oct-21 3.23 % Not Applicable 2,074 2,084 Fixed Rate - Advances 20-Oct-21 2.12 % Not Applicable 4,000 - Fixed Rate - Advances 6-Jun-22 2.05 % Not Applicable 10,000 10,000 Fixed Rate - Advances 6-Sep-22 1.94 % Not Applicable 249 249 Fixed Rate - Advances 22-Sep-22 2.11 % Not Applicable 5,000 5,000 Fixed Rate - Advances 12-Oct-22 2.22 % Not Applicable 3,000 - Fixed Rate - Advances 17-Oct-22 2.18 % Not Applicable 3,000 - Fixed Rate - Advances 26-Oct-22 2.29 % Not Applicable 3,000 - Fixed Rate - Advances 31-Oct-22 2.30 % Not Applicable 2,000 - Fixed Rate - Advances 13-Dec-22 2.44 % Not Applicable 4,000 - Fixed Rate - Advances 17-Jan-23 2.58 % Not Applicable 4,000 - Fixed Rate - Advances 27-Mar-23 2.93 % Not Applicable 4,000 - 2.39 % (a) 93,550 88,795 (a) Weighted average coupon rate Total $ 106,355 $ 94,318

DERIVATIVES

DERIVATIVES	6 Months Ended
	Mar. 31, 2018
Derivative Instruments and Hedging Activities Disclosure [Abstract]
DERIVATIVES	9. DERIVATIVES The Company has contracted with a third party to participate in interest rate swap contracts. Two of the swaps are cash flow hedges associated with $20.0 million of FHLB advances at March 31, 2018 and September 30, 2017. These interest rate swaps involve the receipt of variable rate amounts from a counterparty in exchange for the Company making fixed payments. During the quarter ended March 31, 2018, $6,000 of income was recognized as ineffectiveness through earnings, while $-0- was recognized as ineffectiveness through earnings during the comparable period in 2017. During the six month period ended March 31, 2018, $48,000 of income was recognized as ineffectiveness through earnings, while $-0- was recognized as ineffectiveness through earnings during the comparable period in 2017. There was one interest rate swap designated as a fair value hedge involving the receipt of variable-rate payments from a counterparty in exchange for the Company making fixed-rate payments over the life of the agreements applicable to a $1.1 million commercial loan as of March 31, 2018 and September 30, 2017. For derivatives that are designated and qualify as fair value hedges, the gain or loss on the derivative as well as the loss or gain on the hedged item attributable to the hedged risk are recognized in earnings. During the quarter ended March 31, 2018, $2,000 of income was recognized through earnings, while $-0- was recognized through earnings during the comparable period in 2017. During the six month period ended March 31, 2018, $15,000 of income was recognized through earnings, while $-0- was recognized through earnings during the comparable period in 2017. Below is a summary of the interest rate swap agreements and the terms as of March 31, 2018. Notional Pay Receive Maturity Unrealized Amount Rate Rate Date Gain (Dollars in Thousands) Interest rate swap contract $ 10,000 1.15 % 1 Month Libor 6-Apr-21 $ 360 Interest rate swap contract 10,000 1.18 % 1 Month Libor 13-Jun-21 378 Interest rate swap contract 1,100 4.10 % 1 Month Libor +276 bp 1-Aug-26 - $ 738 Below is a summary of the interest rate swap agreements and the terms as of September 30, 2017. Notinal Pay Receive Maturity Unrealized Amount Rate Rate Date Gain (Dollar in thousands) Interest rate swap contract $ 10,000 1.15 % 1 Mth Libor 6-Apr-21 $ 217 Interest rate swap contract 10,000 1.18 % 1 Mth Libor 13-Jun-21 223 Interest rate swap contract 1,100 4.10 % 1 Mth Libor +276 bp 1-Aug-26 62 $ 502 All three interest swaps are carried at fair value in accordance with FASB ASC 815 “Derivatives and Hedging.”

INCOME TAXES

INCOME TAXES	6 Months Ended
	Mar. 31, 2018
Income Tax Disclosure [Abstract]
INCOME TAXES	10. INCOME TAXES Items that gave rise to significant portions of deferred income taxes are as follows: March 31, September 30, 2018 2017 (Dollars in Thousands) Deferred tax assets: Allowance for loan losses $ 1,354 $ 1,675 Nonaccrual interest 276 349 Accrued vacation 7 12 Capital loss carryforward 300 476 Split dollar life insurance 10 15 Post-retirement benefits 59 98 Unrealized losses on available for sale securities 1,339 569 Deferred compensation 886 1,439 Goodwill 86 148 Purchse accounting adjustments 198 731 Other 50 254 Employee benefit plans 25 90 Total deferred tax assets 4,590 5,856 Valuation allowance (239 ) (378 ) Total deferred tax assets, net of valuation allowance 4,351 5,478 Deferred tax liabilities: Property 166 332 Unrealized gains on interest rate swaps 155 171 Deferred loan fees 475 884 Total deferred tax liabilities 796 1,387 Net deferred tax assets $ 3,555 $ 4,091 The Company establishes a valuation allowance for deferred tax assets when management believes that the use of the deferred tax assets is not likely to be fully realized through future reversals of existing taxable temporary differences, and/or to a lesser extent, future taxable income. The tax deduction generated by the redemption of the shares of a mutual fund held by the Bank and the subsequent impairment charge on the assets acquired through the redemption in kind are considered capital losses and can only be utilized to the extent of capital gains recognized over a five year period, resulting in the establishment of a valuation allowance for the carryforward period. The valuation allowance totaled $239,000 and $378,000 at March 31, 2018, and September 30, 2017, respectively. For the six-month period ended March 31, 2018, the Company recorded income tax expense of $2.9 million, which included a $1.8 million one-time non-cash charge related to a re-evaluation of the Company’s deferred tax assets as a result of the enactment of the Tax Cuts and Jobs Act in December 2017, compared to income tax benefit of $801,000 for the same period in 2017. The reevaluation reflected the effect of the significant decline in the federal corporate income tax rate applicable to the Company. During fiscal 2018, commencing with the quarter ended December 31, 2017, the Company’s statutory income tax rate will be 24.25% as compared to companies which are calendar year tax reporting companies whose statutory rate will decrease to 21% starting January 1, 2018. Effective October 1, 2018, the Company’s statutory tax rate will be reduced to 21%. The income tax expense differs from that computed at the statutory federal corporate tax rate as follows: For The Six Months Ended March 31, 2018 2017 Percentage Percentage of Pretax of Pretax Amount Income Amount Income (Dollars in Thousands) Tax expense (benefit) at statutory rate $ 1,230 24.25 % $ (751 ) (34.00 )% Adjustments resulting from: Write-down of deferred tax asset 1,756 34.61 - - Non deductible merger expenses - - 45 2.64 Tax exempt income (67 ) (1.32 ) (28 ) (1.26 ) Income from bank owned life insurance (78 ) (1.54 ) (115 ) (5.19 ) Employee benefit plans 32 0.63 46 2.08 Other 10 0.19 2 0.09 Income tax expense (benefit) $ 2,883 56.82 % $ (801 ) (36.24 )% There is currently no liability for uncertain tax positions and no known unrecognized tax benefits. The Company recognizes, when applicable, interest and penalties related to unrecognized tax benefits in the provision for income taxes in the Consolidated Statements of Operations as a component of income tax expense. During fiscal 2017, the Internal Revenue Service conducted an audit of the Company’s tax return for the year ended September 30, 2014, and no adverse findings were reported. The Company’s federal and state income tax returns for taxable years through September 30, 2014 have been closed for purposes of examination by the Internal Revenue Service and the Pennsylvania Department of Revenue.

STOCK COMPENSATION PLANS

STOCK COMPENSATION PLANS	6 Months Ended
	Mar. 31, 2018
Disclosure Of Compensation Related Costs, Share-Based Payments [Abstract]
STOCK COMPENSATION PLANS	11. STOCK COMPENSATION PLANS The Company maintains the 2008 RRP which is administered by a committee of the Board of Directors of the Company. The RRP provides for the grant of shares of common stock of the Company to officers, employees and directors of the Company. In order to fund the grant of shares under the RRP, the 2008 RRP purchased 213,528 shares (on a converted basis) of the Company’s common stock in the open market for an aggregating cost of approximately $2.5 million, at an average purchase price per share of $11.49. The Company made sufficient contributions to the 2008 RRP to fund these purchases. Shares subject to awards under the 2008 RRP generally vest at the rate of 20% per year over five years. During February 2015, shareholders approved the 2014 Stock Incentive Plan (the “2014 SIP”). As part of the 2014 SIP, a maximum of 285,655 shares of common stock can be awarded as restricted stock awards or units, of which 233,500 shares were awarded during February 2015. In August 2016, the Company granted 7,473 shares under the 2008 RRP and 3,027 shares under the 2014 SIP. In March 2017, the Company granted 17,128 shares under the 2014 SIP. In March 2018, the Company granted 8,209 shares under the 2008 RRP and 18,291 shares under the 2014 SIP. Compensation expense related to the shares subject to restricted stock awards granted is recognized ratably over the five-year vesting period in an amount which totals the grant date fair value multiplied by the number of shares subject to the grant. During the three and six months ended March 31, 2018, an aggregate of $99,000 and $250,000, respectively, was recognized in compensation expense for the grants pursuant to the 2008 RRP and the grants pursuant to the 2014 SIP. During the three and six months ended March 31, 2017, $145,000 and $280,000, respectively, was recognized in compensation expense for the grants pursuant to the 2008 RRP and the grants pursuant to the 2014 SIP. At March 31, 2018, approximately $1.7 million in additional compensation expense for shares awarded related to the 2008 RRP and 2014 SIP remained unrecognized. A summary of the Company’s non-vested stock award activity for the six months ended March 31, 2018 and 2017 is presented in the following tables: Six Months Ended Number of Weighted Average Nonvested stock awards at October 1, 2017 142,594 $ 12.79 Granted 26,500 18.46 Forfeited 4,636 11.91 Vested (44,647 ) 12.06 Nonvested stock awards at the March 31, 2018 129,083 $ 14.17 Six Months Ended Number of Shares Weighted Nonvested stock awards at October 1, 2016 172,788 $ 12.03 Granted 17,128 17.43 Forfeited - - Vested (43,018 ) 11.61 Nonvested stock awards at the March 31, 2017 146,898 $ 12.78 The Company maintains the 2008 Stock Option Plan (the “2008 Option Plan”) which authorizes the grant of stock options to officers, employees and directors of the Company to acquire shares of common stock with an exercise price at least equal to the fair market value of the common stock on the grant date. Options generally become vested and exercisable at the rate of 20% per year over five years and are generally exercisable for a period of ten years after the grant date. A total of 533,808 shares of common stock were approved for future issuance pursuant to the 2008 Option Plan. As of March 31, 2018, all of the options had been awarded under the 2008 Option Plan. The 2014 SIP reserved up to 714,145 shares for issuance pursuant to options. Options to purchase 605,000 shares were awarded during February 2015. During August 2016, the Company granted 18,867 shares under the 2008 Option Plan and 8,633 shares under the 2014 SIP. In March 2017, the Company granted 22,828 shares under the 2014 SIP. In May 2017, the Company granted 24,717 shares under the 2014 SIP and 283 shares under the 2008 Option Plan. In March 2018, the Company granted 159,265 shares under the 2014 SIP and 18,235 shares under the 2008 Option Plan. A summary of the status of the Company’s stock options under the 2008 Option Plan and the 2014 SIP as of March 31, 2018 and 2017 are presented below: Six Months Ended March 31, 2018 Number of Weighted Average Outstanding at October 1, 2017 922,564 $ 12.04 Granted 177,500 18.46 Exercised (37,171 ) 11.50 Forfeited (12,234 ) 11.90 Outstanding at March 31, 2018 1,050,659 $ 13.15 Exercisable at March 31, 2018 595,385 $ 11.53 Six Months Ended March 31, 2017 Number of Weighted Average Outstanding at October 1, 2016 921,909 $ 11.70 Granted 22,828 11.43 Exercised (32,224 ) 11.50 Forfeited - - Outstanding at March 31, 2017 912,513 $ 11.85 Exercisable at March 31, 2017 579,078 $ 11.43 The weighted average remaining contractual term was approximately 4.0 years for options outstanding as of March 31, 2018. The estimated fair value of options granted during fiscal 2009 was $2.98 per share, $2.92 for options granted during fiscal 2010, $3.34 for options granted during fiscal 2013, $4.67 for the options granted during fiscal 2014, $4.58 for options granted during fiscal 2015, $2.13 for options granted during fiscal 2016, $3.18 for options granted during fiscal 2017 and $3.63 for options granted in fiscal 2018. The fair value for grants made in fiscal 2017 was estimated on the date of grant using the Black-Scholes pricing model with the following assumptions: an exercise price range from $17.43 to $18.39, expected term of seven years, volatility of 14.37%, interest rate of 2.22% and a yield of 0.69%. The fair value for grants made in March 2018 was estimated on the date of grant using the Black-Scholes pricing model with the following assumptions: an exercise price of $18.46, expected term of seven years, volatility of 15.9%, interest rate of 2.82% and a yield of 1.08%. During the three and six months ended March 31, 2018, $102,000 and $239,000, respectively, was recognized in compensation expense for options granted pursuant to the 2008 Option Plan and the 2014 SIP. During the three and six months ended March 31, 2017, $138,000 and $268,000, respectively, was recognized in compensation expense for options granted pursuant to the 2008 Option Plan and the 2014 SIP. At March 31, 2018, there was approximately $1.7 million in additional compensation expense to be recognized for awarded options which remained outstanding and unvested at such date. The weighted average period over which this expense will be recognized is approximately 2.5 years.

COMMITMENTS AND CONTINGENT LIAB

COMMITMENTS AND CONTINGENT LIABILITIES	6 Months Ended
	Mar. 31, 2018
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS AND CONTINGENT LIABILITIES	12. COMMITMENTS AND CONTINGENT LIABILITIES At March 31, 2018, the Company had $74.4 million in outstanding commitments to originate fixed-rate loans with market interest rates ranging from 4.00% to 5.75%. At September 30, 2017, the Company had $45.9 million in outstanding commitments to originate fixed-rate loans with market interest rates ranging from 3.75% to 5.25%. The aggregate undisbursed portion of loans-in-process amounted to $54.3 million at March 31, 2018 and $73.9 million at September 30, 2017. The Company also had commitments under unused lines of credit of $57.3 million as of March 31, 2018 and $7.4 million as of September 30, 2017 and letters of credit outstanding of $1.7 million as of March 31, 2018 and $1.4 million as of September 30, 2017. The increase in unused commitments as of March 31, 2018 was primarily the result of five loans with unused commitments totaling $46.3 million, as of March 31, 2018. Among the Company’s contingent liabilities are exposures to limited recourse arrangements with respect to the Company’s sales of whole loans and participation interests. At March 31, 2018, the exposure, which represents a portion of credit risk associated with the interests sold, amounted to $1.7 million related to loans sold to the FHLB. This exposure is for the life of the related loans and payables, on our proportionate share, as actual losses are incurred. These loans are seasoned loans and remain performing. The Company is involved in various legal proceedings occurring in the ordinary course of business. Management of the Company, based on discussions with litigation counsel, believes that such proceedings will not have a material adverse effect on the financial condition, operations or cash flows of the Company. However, there can be no assurance that any of the outstanding legal proceedings to which the Company is a party will not be decided adversely to the Company's interests and not have a material adverse effect on the financial condition and operations of the Company.

FAIR VALUE MEASUREMENT

FAIR VALUE MEASUREMENT	6 Months Ended
	Mar. 31, 2018
Fair Value Disclosures [Abstract]
FAIR VALUE MEASUREMENT	13. FAIR VALUE MEASUREMENT The fair value estimates presented herein are based on pertinent information available to management as of March 31, 2018 and September 30, 2017, respectively. Although management is not aware of any factors that would significantly affect the fair value amounts, such amounts have not been comprehensively revalued for purposes of these financial statements since that date and, therefore, current estimates of fair value may differ significantly from the amounts presented herein. Generally accepted accounting principles used in the United States establish a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimizes the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value. The three broad levels of hierarchy are as follows: Level 1 Quoted prices in active markets for identical assets or liabilities. Level 2 Observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities. Level 3 Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation. Those assets as of March 31, 2018 which are to be measured at fair value on a recurring basis are as follows: Category Used for Fair Value Measurement Level 1 Level 2 Level 3 Total (Dollars in Thousands) Assets: Securities available for sale: U.S. Government and agency obligations $ - $ 24,765 $ - $ 24,765 Mortgage-backed securities - U.S. Government agencies - 132,115 - 132,115 Corporate bonds - 62,187 - 62,187 FHLMC preferred stock 36 - - 36 Interest rate swap contracts - 800 - 800 Total $ 36 $ 219,867 $ - $ 219,903 Those assets as of September 30, 2017 which are measured at fair value on a recurring basis are as follows: Category Used for Fair Value Measurement Level 1 Level 2 Level 3 Total (Dollars in Thousands) Assets: Securities available for sale: U.S. Government and agency obligations $ - $ 25,799 $ - $ 25,799 Mortgage-backed securities - U.S. Government agencies - 118,127 - 118,127 Corporate bonds - 34,400 - 34,400 FHLMC preferred stock 76 - - 76 Interest rate swap contracts - 502 - 502 Total $ 76 $ 178,828 $ - $ 178,904 Certain assets are measured at fair value on a nonrecurring basis; that is, the instruments are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances (for example, when there is evidence of impairment). The Company measures impaired loans and real estate owned at fair value on a non-recurring basis. Impaired Loans The Company considers loans to be impaired when it becomes more likely than not that the Company will be unable to collect all amounts due (principle and interest) in accordance with the contractual terms of the loan agreements. Collateral dependent impaired loans are based on the fair value of the collateral which is based on appraisals and would be categorized as Level 2 measurement. In some cases, adjustments are made to the appraised values for various factors including the age of the appraisal, age of the comparables included in the appraisal, and known changes in the market and in the collateral. These adjustments are based upon unobservable inputs, and therefore, the fair value measurement has been categorized as a Level 3 measurement. These loans are reviewed for impairment and written down to their net realizable value by charges against the allowance for loan losses. The collateral underlying these loans had a fair value in excess of $22.5 million as of March 31, 2018. Real Estate Owned Once an asset is determined to be uncollectible, the underlying collateral is generally repossessed and reclassified to foreclosed real estate and repossessed assets. These repossessed assets are carried at the lower of cost or fair value of the collateral, based on independent appraisals, less cost to sell and would be categorized as Level 2 measurement. In some cases, adjustments are made to the appraised values for various factors including age of the appraisal, age of the comparable included in the appraisal, and known changes in the market and in the collateral. As a result, the evaluations are based upon unobservable inputs, and therefore, the fair value measurement has been categorized as a Level 3 measurement. Summary of Non-Recurring Fair Value Measurements At March 31, 2018 (Dollars in Thousands) Level 1 Level 2 Level 3 Total Impaired loans $ - $ - $ 22,506 $ 22,506 Real estate owned - - 85 85 Total $ - $ - $ 22,591 $ 22,591 At September 30, 2017 (Dollars in Thousands) Level 1 Level 2 Level 3 Total Impaired loans $ - $ - $ 19,665 $ 19,665 Real estate owned - - 192 192 Total $ - $ - $ 19,857 $ 19,857 The following table provides information describing the valuation processes used to determine nonrecurring fair value measurements categorized within Level 3 of the fair value hierarchy: At March 31, 2018 (Dollars in Thousands) Valuation Range/ Fair Value Technique Unobservable Input Weighted Ave. Impaired loans $ 22,506 Property appraisals (1) (3) Management discount for selling costs, property type and market volatility (2) 6% to 48% discount/ 10% Real estate owned $ 85 Property appraisals (1)(3) Management discount for selling costs, property type and market volatility (2) 10% discount At September 30, 2017 (Dollars in Thousands) Valuation Range/ Fair Value Technique Unobservable Input Weighted Ave. Impaired loans $ 19,665 Property appraisals (1) (3) Management discount for selling costs, property type and market volatility (2) 6% to 57% discount/ 7% Real estate owned $ 192 Property appraisals (1)(3) Management discount for selling costs, property type and market volatility (2) 10% discount (1) Fair value is generally determined through independent appraisals of the underlying collateral, which generally includes 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 fair value of financial instruments has been determined by the Company using available market information and appropriate valuation methodologies. However, considerable judgment is necessarily required to interpret market data to develop the estimates of fair value. Accordingly, the estimates presented herein are not necessarily indicative of the amounts the Company could realize in a current market exchange. The use of different market assumptions and/or estimation methodologies may have a material effect on the estimated fair value amounts. Fair Value Measurements at March 31, 2018 Carrying Fair Amount Value (Level 1) (Level 2) (Level 3) (Dollars in Thousands) Assets: Cash and cash equivalents $ 18,108 $ 18,108 $ 18,108 $ - $ - Certificates of deposit 1,604 1,604 1,604 - - Investment and mortgage-backed securities available for sale 219,103 219,103 36 219,067 - Investment and mortgage-backed securities held to maturity 63,026 60,137 - 60,137 - Loans receivable, net 584,380 581,704 - - 581,704 Accrued interest receivable 3,439 3,439 3,439 - - Federal Home Loan Bank stock 6,759 6,759 6,759 - - Bank owned life insurance 28,370 28,370 28,370 - - Interest rate swap contracts 800 800 - 800 - Liabilities: Checking accounts 64,921 64,921 64,921 - - Money market deposit accounts 65,645 65,645 65,645 - - Passbook, club and statement savings accounts 101,027 101,027 101,027 - - Certificates of deposit 443,109 447,383 - - 447,383 Advances from FHLB short-term 20,000 20,000 20,000 - Advances from FHLB long-term 106,355 104,757 - - 104,757 Accrued interest payable 1,328 1,328 1,328 - - Advances from borrowers for taxes and insurance 2,490 2,490 2,490 - - Fair Value Measurements at September 30, 2017 Carrying Fair Amount Value (Level 1) (Level 2) (Level 3) (Dollars in Thousands) Assets: Cash and cash equivalents $ 27,903 $ 27,903 $ 27,903 $ - $ - Certificates of deposit 1,604 1,604 1,604 - - Investment and mortgage-backed securities available for sale 178,402 178,402 76 178,326 - Investment and mortgage-backed securities held to maturity 61,284 60,179 - 60,179 - Loans receivable, net 571,343 575,876 - - 575,876 Accrued interest receivable 2,825 2,825 2,825 - - Federal Home Loan Bank stock 6,002 6,002 6,002 - - Interest rate swap contracts 502 502 - 502 - Bank owned life insurance 28,048 28,048 28,048 - - Liabilities: Checking accounts 63,642 63,642 63,642 - - Money market deposit accounts 76,272 76,272 76,272 - - Passbook, club and statement savings accounts 101,743 101,743 101,743 - - Certificates of deposit 394,325 398,078 - - 398,078 Advances from FHLB -short-term 20,000 20,000 20,000 - - Advances from FHLB -long-term 94,318 93,579 - - 93,579 Accrued interest payable 1,933 1,933 1,933 - - Advances from borrowers for taxes and insurance 2,207 2,207 2,207 - - Cash and Cash Equivalents Investments and Mortgage-Backed Securities — Loans Receivable — Accrued Interest Receivable – Federal Home Loan Bank (FHLB) Stock — Interest Rate Swaps – Bank Owned Life Insurance — Checking Accounts, Money Market Deposit Accounts, Passbook Accounts, Club Accounts, Statement Savings Accounts, and Certificates of Deposit — Short-term advances from Federal Home Loan Bank — Long-term advances from Federal Home Loan Bank — Accrued Interest Payable – Advances from Borrowers for Taxes and Insurance – Commitments to Extend Credit and Letters of Credit —

GOODWILL AND OTHER INTANGIBLE A

GOODWILL AND OTHER INTANGIBLE ASSETS	6 Months Ended
	Mar. 31, 2018
Goodwill and Intangible Assets Disclosure [Abstract]
GOODWILL AND OTHER INTANGIBLE ASSETS	14. GOODWILL AND OTHER INTANGIBLE ASSETS The Company’s goodwill and intangible assets are related to the acquisition of Polonia Bancorp on January 1, 2017. Balance Balance October 1, Additions/ March 31, Amortization 2017 Adjustments Amortization 2018 Period Goodwill $ 6,102 $ - $ - $ 6,102 Core deposit intangible 710 - (71 ) 639 10 years $ 6,812 $ - $ (71 ) $ 6,741 As of March 31, 2018, the current fiscal year and the future fiscal periods amortization expense for the core deposit intangible is: (In Thousands) 2018 $ 67 2019 123 2020 108 2021 93 2022 78 Thereafter 170 Total $ 639

SIGNIFICANT ACCOUNTING POLICI23

SIGNIFICANT ACCOUNTING POLICIES (Policies)	6 Months Ended
	Mar. 31, 2018
Accounting Policies [Abstract]
Basis of presentation	Basis of presentation –
Use of Estimates in the Preparation of Financial Statements	Use of Estimates in the Preparation of Financial Statements —
Recent Accounting Pronouncements	Recent Accounting Pronouncements In May 2014, the FASB issued ASU 2014-09, Revenue from Contracts with Customers Revenue from Contracts with Customers Topic 606 . In January 2016, the FASB issued ASU 2016-01, Financial Instruments – Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842) . In June 2016, the FASB issued ASU 2016-13, Financial Instruments - Credit Losses: Measurement of Credit Losses on Financial Instruments In August 2016, the FASB issued ASU 2016-15, Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payments In January 2017, the FASB issued ASU 2017-01, Business Combinations (Topic 805), Clarifying the Definition of a Business In January 2017, the FASB issued ASU 2017-04, Simplifying the Test for Goodwill Impairment This Update is not expected to have a significant impact on the Company’s financial statements. In February 2017, the FASB issued ASU 2017-05, Other Income—Gains and Losses from the Derecognition of Nonfinancial Assets (Subtopic 610-20). . The Company is currently evaluating the impact the adoption of the standard will have on the Company’s financial position or results of operations. In March 2017, the FASB issued ASU 2017-08, Receivables – Nonrefundable Fees and Other Costs (Subtopic 310-20). The amendments in this Update shorten the amortization period for certain callable debt securities held at a premium. Specifically, the amendments require the premium to be amortized to the earliest call date. The amendments do not require an accounting change for securities held at a discount; the discount continues to be amortized to maturity. For public business entities, the amendments in this Update are effective for fiscal years, and interim periods within those fiscal years, beg For all other entities, the amendments are effective for fiscal years beginning after December 15, 2019, and interim periods within fiscal years beginning after December 15, 2020. Early adoption is permitted, including adoption in an interim period. If an entity early adopts the amendments in an interim period, any adjustments should be reflected as of the beginning of the fiscal year that includes that interim period. An entity should apply the amendments in this Update on a modified retrospective basis through a cumulative-effect adjustment directly to retained earnings as of the beginning of the period of adoption. Additionally, in the period of adoption, an entity should provide disclosures about a change in accounting principle. The Company is currently evaluating the impact the adoption of the standard will have on the Company’s financial position and results of operations. In May 2017, the FASB issued ASU 2017-09, Compensation – Stock Compensation (Topic 718) This Update is not expected to have a significant impact on the Company’s financial statements. In August 2017, the FASB issued ASU 2017-12, Derivatives and Hedging (Topic 850) . The Company is currently evaluating the impact the adoption of the standard will have on the Company’s financial position or results of operations. In January 2018, the FASB issued ASU 2018-01, Leases (Topic 842) The Company is currently evaluating the impact the adoption of the standard will have on the Company’s financial position and results of operations. In February 2018, the FASB issued ASU 2018-02, Income Statement – Reporting Comprehensive Income (Topic 220) In February 2018, the FASB issued ASU 2018-03, Technical Corrections and Improvements to Financial Instruments—Overall (Subtopic 825-10) Fair Value Measurement Derivatives and Hedging—Embedded Derivatives Financial Instruments—Overall

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	6 Months Ended
	Mar. 31, 2018
Earnings Per Share [Abstract]
Schedule of basic and diluted earnings per share	Three Months Ended March 31, 2018 2017 Basic Diluted Basic Diluted (Dollars in Thousands Except Share and Per Share Data) Net income (loss) $ 2,157 $ 2,157 $ (2,140 ) $ (2,140 ) Weighted average shares outstanding 8,851,805 8,851,805 8,639,908 8,639,908 Effect of common stock equivalents - 326,295 - - Adjusted weighted average shares used in earnings per share computation 8,851,805 9,178,100 8,639,908 8,639,908 Earnings (loss) per share - basic and diluted $ 0.24 $ 0.24 $ (0.27 ) $ (0.27 ) Six Months Ended March 31, 2018 2017 Basic Diluted Basic Diluted (Dollars in Thousands Except Share and Per Share Data) Net income (loss) $ 2,191 $ 2,191 $ (1,409 ) $ (1,409 ) Weighted average shares outstanding 8,853,479 8,853,479 7,979,541 7,979,541 Effect of common stock equivalents - 351,436 - - Adjusted weighted average shares used in earnings per share computation 8,853,479 9,204,915 7,979,541 7,979,541 Earnings (loss) per share - basic and diluted $ 0.25 $ 0.24 $ (0.18 ) $ (0.18 )

ACCUMULATED OTHER COMPREHENSI25

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Tables)	6 Months Ended
	Mar. 31, 2018
Accumulated Other Comprehensive Income [Abstract]
Schedule of changes in accumulated other comprehensive income	Three Months Ended March 31, Three Months Ended March 31, 2018 2018 2018 2017 2017 2017 Unrealized gain (loss) Unrealized gain (loss) on Total accumulated Unrealized gain (loss) Unrealized gain (loss) on Total accumulated Beginning balance, January 1 $ (2,125 ) $ 360 $ (1,765 ) $ (1,348 ) $ 351 $ (997 ) Other comprehensive (loss) income before reclassification (2,840 ) 150 (2,690 ) (362 ) 39 (323 ) Total (4,965 ) 510 (4,455 ) (1,710 ) 390 (1,320 ) Reclassification due to change in federal income tax rate - - - - - - Ending Balance, March 31 $ (4,965 ) $ 510 $ (4,455 ) $ (1,710 ) $ 390 $ (1,320 ) (a) All amounts are net of tax. Amounts in parentheses indicate debits. Six Months Ended March 31, Six Months Ended March 31, 2018 2018 2018 2017 2017 2017 Unrealized gain (loss) Unrealized gain (loss) on Total accumulated Unrealized gain (loss) Unrealized gain (loss) on Total accumulated Beginning balance, October 1 $ (1,091 ) $ 331 $ (760 ) $ 931 $ (133 ) $ 798 Other comprehensive (loss) income before reclassification (3,571 ) 179 (3,392 ) (2,641 ) 523 (2,118 ) Total (4,662 ) 510 (4,152 ) (1,710 ) 390 (1,320 ) Reclassification due to change in federal income tax rate (303 ) - (303 ) - - - Ending Balance, March 31 $ (4,965 ) $ 510 $ (4,455 ) $ (1,710 ) $ 390 $ (1,320 ) (a) All amounts are net of tax. Amounts in parentheses indicate debits.

INVESTMENT AND MORTGAGE-BACKE26

INVESTMENT AND MORTGAGE-BACKED SECURITIES (Tables)	6 Months Ended
	Mar. 31, 2018
Investments, Debt and Equity Securities [Abstract]
Schedule of amortized cost and fair value of securities, with gross unrealized gains and losses	March 31, 2018 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (Dollars in Thousands) Securities Available for Sale: U.S. government and agency obligations $ 25,641 $ - $ (876 ) $ 24,765 Mortgage-backed securities - U.S. government agencies 136,236 95 (4,216 ) 132,115 Corporate bonds 63,597 104 (1,514 ) 62,187 Total debt securities available for sale 225,474 199 (6,606 ) 219,067 FHLMC preferred stock 6 30 - 36 Total securities available for sale $ 225,480 $ 229 $ (6,606 ) $ 219,103 Securities Held to Maturity: U.S. government and agency obligations $ 33,500 $ 149 $ (2,561 ) $ 31,088 Mortgage-backed securities - U.S. government agencies 6,338 188 (108 ) 6,418 State and political subdivisions 23,188 21 (578 ) 22,631 Total securities held to maturity $ 63,026 $ 358 $ (3,247 ) $ 60,137 September 30, 2017 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (Dollars in Thousands) Securities Available for Sale: U.S. government and agency obligations $ 26,125 $ 9 $ (335 ) $ 25,799 Mortgage-backed securities - U.S. government agencies 119,456 146 (1,475 ) 118,127 Corporate debt securities 34,500 185 (285 ) 34,400 Total debt securities available for sale 180,081 340 (2,095 ) 178,326 FHLMC preferred stock 6 70 - 76 Total securities available for sale $ 180,087 $ 410 $ (2,095 ) $ 178,402 Securities Held to Maturity: U.S. government and agency obligations $ 33,500 $ 229 $ (1,688 ) $ 32,041 State and political subdivisions 20,781 165 (104 ) 20,842 Mortgage-backed securities - U.S. government agencies 7,003 304 (11 ) 7,296 Total securities held to maturity $ 61,284 $ 698 $ (1,803 ) $ 60,179
Schedule of gross unrealized losses and related fair values of investment securities	Less than 12 months More than 12 months Total Gross Gross Gross Unrealized Fair Unrealized Fair Unrealized Fair Losses Value Losses Value Losses Value (Dollars in Thousands) Securities Available for Sale: U.S. government and agency obligations $ (876 ) $ 24,765 $ - $ - $ (876 ) $ 24,765 Mortgage-backed securities - agency (2,684 ) 85,474 (1,532 ) 37,089 (4,216 ) 122,563 Corporate debt securities (1,514 ) 52,233 - - (1,514 ) 52,233 Total securities available for sale $ (5,074 ) $ 162,472 $ (1,532 ) $ 37,089 $ (6,606 ) $ 199,561 Securities Held to Maturity: U.S. government and agency obligations $ (2,561 ) $ 27,939 $ - $ - $ (2,561 ) $ 27,939 Mortgage-backed securities - agency (72 ) 2,947 (36 ) 1,042 (108 ) 3,989 State and political subdivisions (578 ) 18,341 - - (578 ) 18,341 Total securities held to maturity $ (3,211 ) $ 49,227 $ (36 ) $ 1,042 $ (3,247 ) $ 50,269 Total $ (8,285 ) $ 211,699 $ (1,568 ) $ 38,131 $ (9,853 ) $ 249,830 Less than 12 months More than 12 months Total Gross Gross Gross Unrealized Fair Unrealized Fair Unrealized Fair Losses Value Losses Value Losses Value (Dollars in Thousands) Securities Available for Sale: U.S. government and agency obligations $ (335 ) $ 20,655 $ - $ - $ (335 ) $ 20,655 Mortgage-backed securities - U.S. government agencies (1,135 ) 77,176 (340 ) 11,684 (1,475 ) 88,860 Corporate debt securities (285 ) 22,511 - - (285 ) 22,511 Total securities available for sale $ (1,755 ) $ 120,342 $ (340 ) $ 11,684 $ (2,095 ) $ 132,026 Securities Held to Maturity: U.S. government and agency obligations $ (1,688 ) $ 28,813 $ - $ - $ (1,688 ) $ 28,813 Mortgage-backed securities - U.S. government agencies (11 ) 1,176 (11 ) 1,176 State and political subdivisions (104 ) 7,854 - - (104 ) 7,854 Total securities held to maturity $ (1,803 ) $ 37,843 $ - $ - $ (1,803 ) $ 37,843 Total $ (3,558 ) $ 158,185 $ (340 ) $ 11,684 $ (3,898 ) $ 169,869
Schedule of amortized cost and fair value of debt securities by contractual maturity	March 31, 2018 Held to Maturity Available for Sale Amortized Fair Amortized Fair Cost Value Cost Value (Dollars in Thousands) Due after one through five years $ 4,357 $ 4,355 $ 7,076 $ 7,026 Due after five through ten years 25,525 24,641 56,521 55,161 Due after ten years 26,806 24,723 25,641 24,765 Total $ 56,688 $ 53,719 $ 89,238 $ 86,952

LOANS RECEIVABLE (Tables)

LOANS RECEIVABLE (Tables)	6 Months Ended
	Mar. 31, 2018
Receivables [Abstract]
Schedule of loans receivable	March 31, September 30, 2018 2017 (Dollars in Thousands) One-to-four family residential $ 346,486 $ 351,298 Multi-family residential 21,345 21,508 Commercial real estate 116,777 127,644 Construction and land development 140,829 145,486 Loans to financial institutions 6,000 - Commercial business 10,270 488 Leases 2,767 4,240 Consumer 1,824 1,943 Total loans 646,298 652,607 Undisbursed portion of loans-in-process (54,308 ) (73,858 ) Deferred loan fees (net) (2,769 ) (2,940 ) Allowance for loan losses (4,841 ) (4,466 ) Net loans $ 584,380 $ 571,343
Schedule of loans individually and collectively evaluated for impairment by loan segment	One- to-four Multi-family Commercial real Construction and Loans to financial Commercial Leases Consumer Unallocated Total (Dollars in Thousands) Allowance for loan losses: Individually evaluated for impairment $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Collectively evaluated for impairment 1,308 205 1,083 1,465 62 106 29 97 486 4,841 Total ending allowance balance $ 1,308 $ 205 $ 1,083 $ 1,465 $ 62 $ 106 $ 29 $ 97 $ 486 $ 4,841 Loans: Individually evaluated for impairment $ 9,864 $ 307 $ 3,581 $ 8,744 $ - $ - $ - $ 10 $ 22,506 Collectively evaluated for impairment 336,622 21,038 113,196 132,085 6,000 10,270 2,767 1,814 623,792 Total loans $ 346,486 $ 21,345 $ 116,777 $ 140,829 $ 6,000 $ 10,270 $ 2,767 $ 1,824 $ 646,298 One- to-four Multi-family Commercial real Construction and Commercial Leases Consumer Unallocated Total (Dollars in Thousands) Allowance for loan losses: Individually evaluated for impairment $ - $ - $ - $ - $ - $ - $ - $ - $ - Collectively evaluated for impairment 1,241 205 1,201 1,358 4 23 24 410 4,466 Total ending allowance balance $ 1,241 $ 205 $ 1,201 $ 1,358 $ 4 $ 23 $ 24 $ 410 $ 4,466 Loans: Individually evaluated for impairment $ 8,277 $ 317 $ 2,337 $ 8,724 $ - $ - $ 10 $ 19,665 Collectively evaluated for impairment 343,021 21,191 125,307 136,762 488 4,240 1,933 632,942 Total loans $ 351,298 $ 21,508 $ 127,644 $ 145,486 $ 488 $ 4,240 $ 1,943 $ 652,607
Schedule of impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not required	Impaired Loans with Impaired Loans with No Specific Specific Allowance Allowance Total Impaired Loans (Dollars in Thousands) Unpaid Recorded Related Recorded Recorded Principal Investment Allowance Investment Investment Balance One-to-four family residential $ - $ - $ 9,864 $ 9,864 $ 10,197 Multi-family residential - - 307 307 307 Commercial real estate - - 3,581 3,581 3,627 Construction and land development - - 8,744 8,744 11,125 Consumer Loans - - 10 10 10 Total loans $ - $ - $ 22,506 $ 22,506 $ 25,266 Impaired Loans with Impaired Loans with No Specific Specific Allowance Allowance Total Impaired Loans (Dollars in Thousands) Unpaid Recorded Related Recorded Recorded Principal Investment Allowance Investment Investment Balance One-to-four family residential $ - $ - $ 8,277 $ 8,277 $ 9,245 Multi-family - - 317 317 317 Commercial real estate - - 2,337 2,337 2,449 Construction and land development - - 8,724 8,724 11,105 Consumer loans - - 10 10 10 Total loans $ - $ - $ 19,665 $ 19,665 $ 23,126
Schedule of average investment in impaired loans and related interest income recognized	Three Months Ended March 31, 2018 Average Income Recognized Income (Dollars in Thousands) One-to-four family residential $ 9,777 $ 43 $ - Multi-family residential 311 5 - Commercial real estate 3,316 29 - Construction and land development 8,744 - - Consumer 10 - - Total loans $ 22,158 $ 77 $ - Three Months Ended March 31, 2017 Average Income Recognized Income (Dollars in Thousands) One-to-four family residential $ 6,086 $ 32 $ 33 Multi-family residential 330 6 - Commercial real estate 2,801 17 - Construction and land development 9,607 - - Total loans $ 18,824 $ 55 $ 33 Six Months Ended March 31, 2018 Average Income Recognized Income (Dollars in Thousands) One-to-four family residential $ 8,521 $ 77 $ 4 Multi-family residential 316 11 - Commercial real estate 2,942 58 - Construction and land development 8,879 - - Consumer 10 - - Total loans $ 20,668 $ 146 $ 4 Six Months Ended March 31, 2017 Average Income Recognized Income (Dollars in Thousands) One-to-four family residential $ 5,909 $ 49 $ 59 Multi-family residential 332 12 - Commercial real estate 2,919 35 12 Construction and land development 9,834 - - Total loans $ 18,994 $ 96 $ 71
Schedule of classes of the loan portfolio in which a formal risk weighting system is utilized	March 31, 2018 Special Total Pass Mention Substandard Loans (Dollars in Thousands) One-to-four family residential $ - $ 3,322 $ 3,596 $ 6,918 Multi-family residential 21,038 - 307 21,345 Commercial real estate 113,196 1,952 1,629 116,777 Construction and land development 132,085 - 8,744 140,829 Loans to financial institutions 6,000 - - 6,000 Commercial business 10,270 - - 10,270 Total loans $ 282,589 $ 5,274 $ 14,276 $ 302,139 September 30, 2017 Special Total Pass Mention Substandard Loans (Dollars in Thousands) One-to-four family residential $ - $ 1,635 $ 3,878 $ 5,513 Multi-family residential 21,191 - 317 21,508 Commercial real estate 125,307 1,449 888 127,644 Construction and land development 136,763 - 8,723 145,486 Commercial business 488 - - 488 Total loans $ 283,749 $ 3,084 $ 13,806 $ 300,639
Schedule of loans in which a formal risk rating system is not utilized, but loans are segregated between performing and non-performing	March 31, 2018 Non- Total Performing Performing Loans (Dollars in Thousands) One-to-four family residential $ 336,622 $ 2,946 $ 339,568 Leases 2,767 - 2,767 Consumer 1,824 - 1,824 Total loans $ 341,213 $ 2,946 $ 344,159 September 30, 2017 Non- Total Performing Performing Loans (Dollars in Thousands) One-to-four family residential $ 343,021 $ 2,764 $ 345,785 Leases 4,240 - 4,240 Consumer 1,943 - 1,943 Total loans $ 349,204 $ 2,764 $ 351,968
Schedule of loan categories of the loan portfolio summarized by the aging categories of performing and delinquent loans and nonaccrual loans	March 31, 2018 90 Days+ 30-89 Days 90 Days + Total Total Non- Past Due Current Past Due Past Due Past Due Loans Accrual and Accruing (Dollars in Thousands) One-to-four family residential $ 342,040 $ 1,646 $ 2,800 $ 4,446 $ 346,486 $ 3,882 $ - Multi-family residential 21,345 - - - 21,345 - - Commercial real estate 115,382 - 1,395 1,395 116,777 1,395 - Construction and land development 132,085 - 8,744 8,744 140,829 8,744 - Financial institutions 6,000 - - - 6,000 - - Commercial business 10,164 106 - 106 10,270 - - Leases 2,767 - - - 2,767 - - Consumer 1,814 10 - 10 1,824 - - Total loans $ 631,597 $ 1,762 $ 12,939 $ 14,701 $ 646,298 $ 14,021 $ - September 30, 2017 90 Days+ 30-89 Days 90 Days + Total Total Non- Past Due Current Past Due Past Due Past Due Loans Accrual and Accruing (Dollars in Thousands) One-to-four family residential $ 346,877 $ 1,746 $ 2,675 $ 4,421 $ 351,298 $ 5,107 $ - Multi-family residential 21,508 - - - 21,508 - - Commercial real estate 125,157 1,000 1,487 2,487 127,644 1,566 - Construction and land development 136,762 - 8,724 8,724 145,486 8,724 - Commercial business 488 - - - 488 - - Leases 4,240 - - - 4,240 - - Consumer 1,874 69 - 69 1,943 - - Total loans $ 636,906 $ 2,815 $ 12,886 $ 15,701 $ 652,607 $ 15,397 $ -
Schedule of primary segments of the allowance for loan losses, segmented into the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment.	Three Months Ended March 31, 2018 One- to Multi- Commercial Construction Financial Commercial Leases Consumer Unallocated Total (Dollars in Thousands) ALLL balance at December 31, 2017 $ 1,270 $ 158 $ 1,064 $ 1,621 $ - $ 26 $ 20 $ 24 $ 493 $ 4,676 Charge-offs - - - (12 ) - - - - - (12 ) Recoveries 27 - - - - - - - - 27 Provision 11 47 19 (144 ) 62 80 9 73 (7 ) 150 ALLL balance at March 31, 2018 $ 1,308 $ 205 $ 1,083 $ 1,465 $ 62 $ 106 $ 29 $ 97 $ 486 $ 4,841 Six Months Ended March 31, 2018 One- to Multi- Commercial Construction Financial Commercial Leases Consumer Unallocated Total (Dollars in Thousands) ALLL balance at September 30, 2017 $ 1,241 $ 205 $ 1,201 $ 1,358 $ - $ 4 $ 23 $ 24 $ 410 $ 4,466 Charge-offs - - - (12 ) - - - - - (12 ) Recoveries 27 - - - - - - - - 27 Provision 40 - (118 ) 119 62 102 6 73 76 360 ALLL balance at March 31, 2018 $ 1,308 $ 205 $ 1,083 $ 1,465 $ 62 $ 106 $ 29 $ 97 $ 486 $ 4,841 Three Months Ended March 31, 2017 One- to Multi- Commercial Construction Commercial Leases Consumer Unallocated Total (Dollars in Thousands) ALLL balance at December 31, 2016 $ 1,564 $ 135 $ 963 $ 415 $ - $ 28 $ 35 $ 314 $ 3,454 Charge-offs (113 ) - - (1,819 ) - - (16 ) - (1,948 ) Recoveries 25 - - - - - - - 25 Provision (126 ) (13 ) (101 ) 2,439 - - 116 50 2,365 ALLL balance at March 31, 2017 $ 1,350 $ 122 $ 862 $ 1,035 $ - $ 28 $ 135 $ 364 $ 3,896 Six Months Ended March 31, 2017 One- to Multi- Commercial Construction Commercial Leases Consumer Unallocated Total (Dollars in Thousands) ALLL balance at September 30, 2016 $ 1,627 $ 137 $ 859 $ 316 $ 1 $ 21 $ 10 $ 298 $ 3,269 Charge-offs (113 ) - - (1,819 ) - - (16 ) - (1,948 ) Recoveries 25 - - - - - - - 25 Provision (189 ) (15 ) 3 2,538 (1 ) 7 141 66 2,550 ALLL balance at March 31, 2017 $ 1,350 $ 122 $ 862 $ 1,035 $ - $ 28 $ 135 $ 364 $ 3,896
Schedule of troubled debt restructurings	As of and for the Six months Ended March 31, 2018 (Dollars in Thousands) Number of Pre- Modification Post- One-to-four family residential 1 $ 77 $ 77 Total 1 $ 77 $ 77

DEPOSITS (Tables)

DEPOSITS (Tables)	6 Months Ended
	Mar. 31, 2018
Deposits [Abstract]
Schedule of major classifications of deposits	March 31, September 30, 2018 2017 Amount Percent Amount Percent (Dollars in Thousands) Money market deposit accounts $ 65,645 9.7 % $ 76,272 12.0 % Interest-bearing checking accounts 53,017 7.9 54,267 8.5 Non interest-bearing checking accounts 11,904 1.8 9,375 1.5 Passbook, club and statement savings 101,027 15.0 101,743 16.0 Certificates maturing in six months or less 119,626 17.7 154,750 24.3 Certificates maturing in more than six months 323,483 47.9 239,575 37.7 Total $ 674,702 100.0 % $ 635,982 100.0 %

ADVANCES FROM FEDERAL HOME LO29

ADVANCES FROM FEDERAL HOME LOAN BANK - SHORT TERM (Tables)	6 Months Ended
	Mar. 31, 2018
Debt Disclosure [Abstract]
Schedule of short-term borrowings from the FHLB	March 31, September 30, 2018 2017 Type Maturity Date Coupon Call Date Amount Amount (Dollars in Thousands) Fixed Rate - Advances 6-Oct-17 1.30 % Not Applicable $ 10,000 Fixed Rate - Advances 13-Oct-17 1.31 % Not Applicable 10,000 Weighted average rate 1.31 % Fixed Rate - Advances 6-Apr-18 1.80 % Not Applicable $ 10,000 Fixed Rate - Advances 13-Apr-18 1.99 % Not Applicable 10,000 Weighted average rate 1.90 % $ 20,000 $ 20,000

ADVANCES FROM FEDERAL HOME LO30

ADVANCES FROM FEDERAL HOME LOAN BANK - LONG TERM (Tables)	6 Months Ended
	Mar. 31, 2018
Advances from Federal Home Loan Banks [Abstract]
Schedule of collateral agreement with the FHLB	March 31, September 30, 2018 2017 Type Maturity Date Coupon Call Date Amount Amount (Dollars in Thousands) Fixed Rate - Amortizing 1-Dec-17 1.16 % Not Applicable $ - $ 505 Fixed Rate - Amortizing 18-Nov-19 1.53 % Not Applicable 2,333 3,044 Fixed Rate - Amortizing 26-Oct-20 1.94 % Not Applicable 3,458 - Fixed Rate - Amortizing 16-Mar-21 2.64 % Not Applicable 2,500 - Fixed Rate - Amortizing 12-Oct-21 1.99 % Not Applicable 2,698 - Fixed Rate - Amortizing 15-Aug-23 1.94 % Not Applicable 1,816 1,974 2.01 % (a) 12,805 5,523 Fixed Rate - Advances 17-Nov-17 1.20 % Not Applicable - 10,000 Fixed Rate - Advances 4-Dec-17 1.15 % Not Applicable - 2,000 Fixed Rate - Advances 19-Mar-18 2.53 % Not Applicable - 5,029 Fixed Rate - Advances 19-Mar-18 2.13 % Not Applicable - 5,041 Fixed Rate - Advances 20-Jun-18 1.86 % Not Applicable 3,004 3,011 Fixed Rate - Advances 25-Jun-18 2.09 % Not Applicable 3,005 3,016 Fixed Rate - Advances 27-Aug-18 4.15 % Not Applicable 7,078 7,174 Fixed Rate - Advances 15-Nov-18 1.89 % Not Applicable 3,008 3,014 Fixed Rate - Advances 16-Nov-18 1.40 % Not Applicable 7,500 7,500 Fixed Rate - Advances 26-Nov-18 1.81 % Not Applicable 2,004 2,008 Fixed Rate - Advances 3-Dec-18 1.54 % Not Applicable 3,000 3,000 Fixed Rate - Advances 16-Aug-19 2.66 % Not Applicable 3,041 3,056 Fixed Rate - Advances 9-Oct-19 2.54 % Not Applicable 2,025 2,034 Fixed Rate - Advances 26-Nov-19 2.35 % Not Applicable 3,037 3,062 Fixed Rate - Advances 22-Jun-20 2.60 % Not Applicable 3,051 3,000 Fixed Rate - Advances 24-Jun-20 2.85 % Not Applicable 2,044 2,054 Fixed Rate - Advances 27-Jul-20 1.38 % Not Applicable 249 249 Fixed Rate - Advances 17-Aug-20 3.06 % Not Applicable 2,056 2,068 Fixed Rate - Advances 9-Oct-20 2.92 % Not Applicable 2,051 2,061 Fixed Rate - Advances 27-Jul-21 1.52 % Not Applicable 249 249 Fixed Rate - Advances 28-Jul-21 1.48 % Not Applicable 249 249 Fixed Rate - Advances 29-Jul-21 1.42 % Not Applicable 249 249 Fixed Rate - Advances 19-Aug-21 1.55 % Not Applicable 249 249 Fixed Rate - Advances 7-Oct-21 3.19 % Not Applicable 2,078 2,089 Fixed Rate - Advances 12-Oct-21 3.23 % Not Applicable 2,074 2,084 Fixed Rate - Advances 20-Oct-21 2.12 % Not Applicable 4,000 - Fixed Rate - Advances 6-Jun-22 2.05 % Not Applicable 10,000 10,000 Fixed Rate - Advances 6-Sep-22 1.94 % Not Applicable 249 249 Fixed Rate - Advances 22-Sep-22 2.11 % Not Applicable 5,000 5,000 Fixed Rate - Advances 12-Oct-22 2.22 % Not Applicable 3,000 - Fixed Rate - Advances 17-Oct-22 2.18 % Not Applicable 3,000 - Fixed Rate - Advances 26-Oct-22 2.29 % Not Applicable 3,000 - Fixed Rate - Advances 31-Oct-22 2.30 % Not Applicable 2,000 - Fixed Rate - Advances 13-Dec-22 2.44 % Not Applicable 4,000 - Fixed Rate - Advances 17-Jan-23 2.58 % Not Applicable 4,000 - Fixed Rate - Advances 27-Mar-23 2.93 % Not Applicable 4,000 - 2.39 % (a) 93,550 88,795 (a) Weighted average coupon rate Total $ 106,355 $ 94,318

DERIVATIVES (Tables)

DERIVATIVES (Tables)	6 Months Ended
	Mar. 31, 2018
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of interest rate swap agreements and the terms	Below is a summary of the interest rate swap agreements and the terms as of March 31, 2018. Notional Pay Receive Maturity Unrealized Amount Rate Rate Date Gain (Dollars in Thousands) Interest rate swap contract $ 10,000 1.15 % 1 Month Libor 6-Apr-21 $ 360 Interest rate swap contract 10,000 1.18 % 1 Month Libor 13-Jun-21 378 Interest rate swap contract 1,100 4.10 % 1 Month Libor +276 bp 1-Aug-26 - $ 738 Below is a summary of the interest rate swap agreements and the terms as of September 30, 2017. Notinal Pay Receive Maturity Unrealized Amount Rate Rate Date Gain (Dollar in thousands) Interest rate swap contract $ 10,000 1.15 % 1 Mth Libor 6-Apr-21 $ 217 Interest rate swap contract 10,000 1.18 % 1 Mth Libor 13-Jun-21 223 Interest rate swap contract 1,100 4.10 % 1 Mth Libor +276 bp 1-Aug-26 62 $ 502

INCOME TAXES (Tables)

INCOME TAXES (Tables)	6 Months Ended
	Mar. 31, 2018
Income Tax Disclosure [Abstract]
Schedule of deferred income taxes	March 31, September 30, 2018 2017 (Dollars in Thousands) Deferred tax assets: Allowance for loan losses $ 1,354 $ 1,675 Nonaccrual interest 276 349 Accrued vacation 7 12 Capital loss carryforward 300 476 Split dollar life insurance 10 15 Post-retirement benefits 59 98 Unrealized losses on available for sale securities 1,339 569 Deferred compensation 886 1,439 Goodwill 86 148 Purchse accounting adjustments 198 731 Other 50 254 Employee benefit plans 25 90 Total deferred tax assets 4,590 5,856 Valuation allowance (239 ) (378 ) Total deferred tax assets, net of valuation allowance 4,351 5,478 Deferred tax liabilities: Property 166 332 Unrealized gains on interest rate swaps 155 171 Deferred loan fees 475 884 Total deferred tax liabilities 796 1,387 Net deferred tax assets $ 3,555 $ 4,091
Schedule of income tax expense computed at the statutory federal corporate tax rate	For The Six Months Ended March 31, 2018 2017 Percentage Percentage of Pretax of Pretax Amount Income Amount Income (Dollars in Thousands) Tax expense (benefit) at statutory rate $ 1,230 24.25 % $ (751 ) (34.00 )% Adjustments resulting from: Write-down of deferred tax asset 1,756 34.61 - - Non deductible merger expenses - - 45 2.64 Tax exempt income (67 ) (1.32 ) (28 ) (1.26 ) Income from bank owned life insurance (78 ) (1.54 ) (115 ) (5.19 ) Employee benefit plans 32 0.63 46 2.08 Other 10 0.19 2 0.09 Income tax expense (benefit) $ 2,883 56.82 % $ (801 ) (36.24 )%

STOCK COMPENSATION PLANS (Table

STOCK COMPENSATION PLANS (Tables)	6 Months Ended
	Mar. 31, 2018
Disclosure Of Compensation Related Costs, Share-Based Payments [Abstract]
Schedule of summary of the non-vested stock award activity	Six Months Ended Number of Weighted Average Nonvested stock awards at October 1, 2017 142,594 $ 12.79 Granted 26,500 18.46 Forfeited 4,636 11.91 Vested (44,647 ) 12.06 Nonvested stock awards at the March 31, 2018 129,083 $ 14.17 Six Months Ended Number of Shares Weighted Nonvested stock awards at October 1, 2016 172,788 $ 12.03 Granted 17,128 17.43 Forfeited - - Vested (43,018 ) 11.61 Nonvested stock awards at the March 31, 2017 146,898 $ 12.78
Schedule of summary of the status of the company' stock options under the stock option plan	Six Months Ended March 31, 2018 Number of Weighted Average Outstanding at October 1, 2017 922,564 $ 12.04 Granted 177,500 18.46 Exercised (37,171 ) 11.50 Forfeited (12,234 ) 11.90 Outstanding at March 31, 2018 1,050,659 $ 13.15 Exercisable at March 31, 2018 595,385 $ 11.53 Six Months Ended March 31, 2017 Number of Weighted Average Outstanding at October 1, 2016 921,909 $ 11.70 Granted 22,828 11.43 Exercised (32,224 ) 11.50 Forfeited - - Outstanding at March 31, 2017 912,513 $ 11.85 Exercisable at March 31, 2017 579,078 $ 11.43

FAIR VALUE MEASUREMENT (Tables)

FAIR VALUE MEASUREMENT (Tables)	6 Months Ended
	Mar. 31, 2018
Fair Value Disclosures [Abstract]
Schedule of assets measured at fair value on recurring basis	Those assets as of March 31, 2018 which are to be measured at fair value on a recurring basis are as follows: Category Used for Fair Value Measurement Level 1 Level 2 Level 3 Total (Dollars in Thousands) Assets: Securities available for sale: U.S. Government and agency obligations $ - $ 24,765 $ - $ 24,765 Mortgage-backed securities - U.S. Government agencies - 132,115 - 132,115 Corporate bonds - 62,187 - 62,187 FHLMC preferred stock 36 - - 36 Interest rate swap contracts - 800 - 800 Total $ 36 $ 219,867 $ - $ 219,903 Those assets as of September 30, 2017 which are measured at fair value on a recurring basis are as follows: Category Used for Fair Value Measurement Level 1 Level 2 Level 3 Total (Dollars in Thousands) Assets: Securities available for sale: U.S. Government and agency obligations $ - $ 25,799 $ - $ 25,799 Mortgage-backed securities - U.S. Government agencies - 118,127 - 118,127 Corporate bonds - 34,400 - 34,400 FHLMC preferred stock 76 - - 76 Interest rate swap contracts - 502 - 502 Total $ 76 $ 178,828 $ - $ 178,904
Schedule of summary of non-recurring fair value measurements	At March 31, 2018 (Dollars in Thousands) Level 1 Level 2 Level 3 Total Impaired loans $ - $ - $ 22,506 $ 22,506 Real estate owned - - 85 85 Total $ - $ - $ 22,591 $ 22,591 At September 30, 2017 (Dollars in Thousands) Level 1 Level 2 Level 3 Total Impaired loans $ - $ - $ 19,665 $ 19,665 Real estate owned - - 192 192 Total $ - $ - $ 19,857 $ 19,857
Schedule of nonrecurring fair value measurements categorized within level 3 of the fair value hierarchy	At March 31, 2018 (Dollars in Thousands) Valuation Range/ Fair Value Technique Unobservable Input Weighted Ave. Impaired loans $ 22,506 Property appraisals (1) (3) Management discount for selling costs, property type and market volatility (2) 6% to 48% discount/ 10% Real estate owned $ 85 Property appraisals (1)(3) Management discount for selling costs, property type and market volatility (2) 10% discount At September 30, 2017 (Dollars in Thousands) Valuation Range/ Fair Value Technique Unobservable Input Weighted Ave. Impaired loans $ 19,665 Property appraisals (1) (3) Management discount for selling costs, property type and market volatility (2) 6% to 57% discount/ 7% Real estate owned $ 192 Property appraisals (1)(3) Management discount for selling costs, property type and market volatility (2) 10% discount (1) Fair value is generally determined through independent appraisals of the underlying collateral, which generally includes 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 estimated fair value amounts	Fair Value Measurements at March 31, 2018 Carrying Fair Amount Value (Level 1) (Level 2) (Level 3) (Dollars in Thousands) Assets: Cash and cash equivalents $ 18,108 $ 18,108 $ 18,108 $ - $ - Certificates of deposit 1,604 1,604 1,604 - - Investment and mortgage-backed securities available for sale 219,103 219,103 36 219,067 - Investment and mortgage-backed securities held to maturity 63,026 60,137 - 60,137 - Loans receivable, net 584,380 581,704 - - 581,704 Accrued interest receivable 3,439 3,439 3,439 - - Federal Home Loan Bank stock 6,759 6,759 6,759 - - Bank owned life insurance 28,370 28,370 28,370 - - Interest rate swap contracts 800 800 - 800 - Liabilities: Checking accounts 64,921 64,921 64,921 - - Money market deposit accounts 65,645 65,645 65,645 - - Passbook, club and statement savings accounts 101,027 101,027 101,027 - - Certificates of deposit 443,109 447,383 - - 447,383 Advances from FHLB short-term 20,000 20,000 20,000 - Advances from FHLB long-term 106,355 104,757 - - 104,757 Accrued interest payable 1,328 1,328 1,328 - - Advances from borrowers for taxes and insurance 2,490 2,490 2,490 - - Fair Value Measurements at September 30, 2017 Carrying Fair Amount Value (Level 1) (Level 2) (Level 3) (Dollars in Thousands) Assets: Cash and cash equivalents $ 27,903 $ 27,903 $ 27,903 $ - $ - Certificates of deposit 1,604 1,604 1,604 - - Investment and mortgage-backed securities available for sale 178,402 178,402 76 178,326 - Investment and mortgage-backed securities held to maturity 61,284 60,179 - 60,179 - Loans receivable, net 571,343 575,876 - - 575,876 Accrued interest receivable 2,825 2,825 2,825 - - Federal Home Loan Bank stock 6,002 6,002 6,002 - - Interest rate swap contracts 502 502 - 502 - Bank owned life insurance 28,048 28,048 28,048 - - Liabilities: Checking accounts 63,642 63,642 63,642 - - Money market deposit accounts 76,272 76,272 76,272 - - Passbook, club and statement savings accounts 101,743 101,743 101,743 - - Certificates of deposit 394,325 398,078 - - 398,078 Advances from FHLB -short-term 20,000 20,000 20,000 - - Advances from FHLB -long-term 94,318 93,579 - - 93,579 Accrued interest payable 1,933 1,933 1,933 - - Advances from borrowers for taxes and insurance 2,207 2,207 2,207 - -

GOODWILL AND OTHER INTANGIBLE35

GOODWILL AND OTHER INTANGIBLE ASSETS (Tables)	6 Months Ended
	Mar. 31, 2018
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of goodwill and intangible assets are related to the acquisition of Polonia	Balance Balance October 1, Additions/ March 31, Amortization 2017 Adjustments Amortization 2018 Period Goodwill $ 6,102 $ - $ - $ 6,102 Core deposit intangible 710 - (71 ) 639 10 years $ 6,812 $ - $ (71 ) $ 6,741
Schedule of future fiscal periods amortization expense for core deposit intangible	(In Thousands) 2018 $ 67 2019 123 2020 108 2021 93 2022 78 Thereafter 170 Total $ 639

SIGNIFICANT ACCOUNTING POLICI36

SIGNIFICANT ACCOUNTING POLICIES (Detail Textuals)	6 Months Ended
	Mar. 31, 2018USD ($)Branch
Significant Accounting Policies [Line Items]
Number of full service branch offices	9
Number of banking offices	10
ASU 2016-02, Leases (Topic 842)
Significant Accounting Policies [Line Items]
Description of increase in assets and liabilities due to change in new accounting principle	less than a 1 percent
ASU 2018-02
Significant Accounting Policies [Line Items]
Reclassification of between accumulated other comprehensive income and retained earnings due to new tax add | $	$ 303,000
Philadelphia (Philadelphia County)
Significant Accounting Policies [Line Items]
Number of banking offices	8
Drexel Hill, Delaware County, Pennsylvania
Significant Accounting Policies [Line Items]
Number of banking offices	1
Huntingdon Valley, Montgomery County
Significant Accounting Policies [Line Items]
Number of banking offices	1

EARNINGS PER SHARE - Calculated

EARNINGS PER SHARE - Calculated basic and diluted earnings per share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2018	Mar. 31, 2017	Mar. 31, 2018	Mar. 31, 2017
Earnings per share - basic
Net income (loss)	$ 2,157	$ (2,140)	$ 2,191	$ (1,409)
Weighted average shares outstanding - basic	8,851,805	8,639,908	8,853,479	7,979,541
Effect of common stock equivalents - basic	0	0	0	0
Adjusted weighted average shares used in earnings per share computation - basic	8,851,805	8,639,908	8,853,479	7,979,541
Earnings per share - basic (in dollars per share)	$ 0.24	$ (0.27)	$ 0.25	$ (0.18)
Earnings per share - diluted
Net income (loss)	$ 2,157	$ (2,140)	$ 2,191	$ (1,409)
Weighted average shares outstanding - diluted	8,851,805	8,639,908	8,853,479	7,979,541
Effect of common stock equivalents - diluted	326,295	0	351,436	0
Adjusted weighted average shares used in earnings per share computation - diluted	9,178,100	8,639,908	9,204,915	7,979,541
Earnings per share - diluted (in dollars per share)	$ 0.24	$ (0.27)	$ 0.24	$ (0.18)

ACCUMULATED OTHER COMPREHENSI38

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) - Changes in accumulated other comprehensive income (loss) by component net of tax (Details) - USD ($) $ in Thousands		3 Months Ended		6 Months Ended
		Mar. 31, 2018	Mar. 31, 2017	Mar. 31, 2018	Mar. 31, 2017
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance, January 1		$ (1,765)	$ (997)	$ (760)	$ 798
Other comprehensive (loss) income before reclassification		(2,690)	(323)	(3,392)	(2,118)
Total		(2,690)	(323)	(3,392)	(2,118)
Reclassification due to change in federal income tax rate		0	0	(303)	0
Ending Balance, March 31		(4,455)	(1,320)	(4,455)	(1,320)
Unrealized gain (loss) on AFS securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance, January 1	[1]	(2,125)	(1,348)	(1,091)	931
Other comprehensive (loss) income before reclassification	[1]	(2,840)	(362)	(3,571)	(2,641)
Total	[1]	(4,965)	(1,710)	(4,662)	(1,710)
Reclassification due to change in federal income tax rate	[1]	0	0	(303)	0
Ending Balance, March 31	[1]	(4,965)	(1,710)	(4,965)	(1,710)
Unrealized gain (loss) on interest rate swaps
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Beginning balance, January 1	[1]	360	351	331	(133)
Other comprehensive (loss) income before reclassification	[1]	150	39	179	523
Total	[1]	510	390	510	390
Reclassification due to change in federal income tax rate	[1]	0	0	0	0
Ending Balance, March 31	[1]	$ 510	$ 390	$ 510	$ 390
[1]	All amounts are net of tax. Amounts in parentheses indicate debits.

INVESTMENT AND MORTGAGE-BACKE39

INVESTMENT AND MORTGAGE-BACKED SECURITIES - Amortized cost and fair value of investment and mortgage-backed securities, with gross unrealized gains and losses (Details) - USD ($) $ in Thousands	Mar. 31, 2018	Sep. 30, 2017
Securities Available for Sale:
Amortized Cost	$ 225,480	$ 180,087
Gross Unrealized Gains	229	410
Gross Unrealized Losses	(6,606)	(2,095)
Fair Value	219,103	178,402
Securities Held to Maturity:
Amortized Cost	63,026	61,284
Gross Unrealized Gains	358	698
Gross unrealized losses	(3,247)	(1,803)
Fair value	60,137	60,179
U.S. government and agency obligations
Securities Available for Sale:
Amortized Cost	25,641	26,125
Gross Unrealized Gains	0	9
Gross Unrealized Losses	(876)	(335)
Fair Value	24,765	25,799
Securities Held to Maturity:
Amortized Cost	33,500	33,500
Gross Unrealized Gains	149	229
Gross unrealized losses	(2,561)	(1,688)
Fair value	31,088	32,041
Mortgage-backed securities - U.S. government agencies
Securities Available for Sale:
Amortized Cost	136,236	119,456
Gross Unrealized Gains	95	146
Gross Unrealized Losses	(4,216)	(1,475)
Fair Value	132,115	118,127
Securities Held to Maturity:
Amortized Cost	6,338	7,003
Gross Unrealized Gains	188	304
Gross unrealized losses	(108)	(11)
Fair value	6,418	7,296
Corporate bonds
Securities Available for Sale:
Amortized Cost	63,597	34,500
Gross Unrealized Gains	104	185
Gross Unrealized Losses	(1,514)	(285)
Fair Value	62,187	34,400
Total debt securities available for sale
Securities Available for Sale:
Amortized Cost	225,474	180,081
Gross Unrealized Gains	199	340
Gross Unrealized Losses	(6,606)	(2,095)
Fair Value	219,067	178,326
FHLMC preferred stock
Securities Available for Sale:
Amortized Cost	6	6
Gross Unrealized Gains	30	70
Gross Unrealized Losses	0	0
Fair Value	$ 36	$ 76

INVESTMENT AND MORTGAGE-BACKE40

INVESTMENT AND MORTGAGE-BACKED SECURITIES - Gross unrealized losses and related fair values of investment securities, aggregated by investment category and length of time (Details 1) - USD ($) $ in Thousands	Mar. 31, 2018	Sep. 30, 2017
Securities Available for Sale:
Less than 12 months - Gross Unrealized Losses	$ (5,074)	$ (1,755)
Less than 12 months - Fair value	162,472	120,342
More than 12 months - Gross Unrealized Losses	(1,532)	(340)
More than 12 months - Fair value	37,089	11,684
Gross Unrealized Losses - Total	(6,606)	(2,095)
Fair Value - Total	199,561	132,026
Securities Held to Maturity:
Less than 12 months - Gross Unrealized Losses	(3,211)	(1,803)
Less than 12 months - Fair value	49,227	37,843
More than 12 months - Gross Unrealized Losses	(36)	0
More than 12 months - Fair value	1,042	0
Gross Unrealized Losses -Total	(3,247)	(1,803)
Fair Value - Total	50,269	37,843
Less than 12 months - Gross Unrealized Losses	(8,285)	(3,558)
Less than 12 months - Fair Value	211,699	158,185
More than 12 months - Gross Unrealized Losses	(1,568)	(340)
More than 12 months - Fair Value	38,131	11,684
Gross Unrealized Losses -Total	(9,853)	(3,898)
Fair Value - Total	249,830	169,869
U.S. government and agency obligations
Securities Available for Sale:
Less than 12 months - Gross Unrealized Losses	(876)	(335)
Less than 12 months - Fair value	24,765	20,655
More than 12 months - Gross Unrealized Losses	0	0
More than 12 months - Fair value	0	0
Gross Unrealized Losses - Total	(876)	(335)
Fair Value - Total	24,765	20,655
Securities Held to Maturity:
Less than 12 months - Gross Unrealized Losses	(2,561)	(1,688)
Less than 12 months - Fair value	27,939	28,813
More than 12 months - Gross Unrealized Losses	0	0
More than 12 months - Fair value	0	0
Gross Unrealized Losses -Total	(2,561)	(1,688)
Fair Value - Total	27,939	28,813
Mortgage-backed securities - U.S. government agencies
Securities Available for Sale:
Less than 12 months - Gross Unrealized Losses	(2,684)	(1,135)
Less than 12 months - Fair value	85,474	77,176
More than 12 months - Gross Unrealized Losses	(1,532)	(340)
More than 12 months - Fair value	37,089	11,684
Gross Unrealized Losses - Total	(4,216)	(1,475)
Fair Value - Total	122,563	88,860
Securities Held to Maturity:
Less than 12 months - Gross Unrealized Losses	(72)	(11)
Less than 12 months - Fair value	2,947	1,176
More than 12 months - Gross Unrealized Losses	(36)	0
More than 12 months - Fair value	1,042	0
Gross Unrealized Losses -Total	(108)	(11)
Fair Value - Total	3,989	1,176
Corporate debt securities
Securities Available for Sale:
Less than 12 months - Gross Unrealized Losses	(1,514)	(285)
Less than 12 months - Fair value	52,233	22,511
More than 12 months - Gross Unrealized Losses	0	0
More than 12 months - Fair value	0	0
Gross Unrealized Losses - Total	(1,514)	(285)
Fair Value - Total	52,233	22,511
State and political subdivisions
Securities Held to Maturity:
Less than 12 months - Gross Unrealized Losses	(578)	(104)
Less than 12 months - Fair value	18,341	7,854
More than 12 months - Gross Unrealized Losses	0	0
More than 12 months - Fair value	0	0
Gross Unrealized Losses -Total	(578)	(104)
Fair Value - Total	$ 18,341	$ 7,854

INVESTMENT AND MORTGAGE-BACKE41

INVESTMENT AND MORTGAGE-BACKED SECURITIES - Amortized cost and fair value of debt securities, by contractual maturity (Details 2) $ in Thousands	Mar. 31, 2018USD ($)
Held to Maturity, Amortized Cost
Due after one through five years	$ 4,357
Due after five through ten years	25,525
Due after ten years	26,806
Total	56,688
Held to Maturity, Fair Value
Due after one through five years	4,355
Due after five through ten years	24,641
Due after ten years	24,723
Total	53,719
Available for Sale, Amortized Cost
Due after one through five years	7,076
Due after five through ten years	56,521
Due after ten years	25,641
Total	89,238
Available for Sale, Fair Value
Due after one through five years	7,026
Due after five through ten years	55,161
Due after ten years	24,765
Total	$ 86,952

INVESTMENT AND MORTGAGE-BACKE42

INVESTMENT AND MORTGAGE-BACKED SECURITIES (Detail Textuals) $ in Millions	Mar. 31, 2018USD ($)Security
Marketable Securities [Line Items]
Safekeeping account at the FHLB | $	$ 101.7
U.S. Government and agency obligations
Marketable Securities [Line Items]
Number of investment securities in debt obligations in the category of loss position less than 12 months held by company	15
Mortgage-backed securities - U.S. government agencies
Marketable Securities [Line Items]
Number of investment securities in debt obligations in the category of loss position less than 12 months held by company	31
Number of investment securities in debt obligations in the category of loss position more than 12 months held by company	31
Corporate debt securities
Marketable Securities [Line Items]
Number of investment securities in debt obligations in the category of loss position less than 12 months held by company	32
Municipal Bonds
Marketable Securities [Line Items]
Number of investment securities in debt obligations in the category of loss position less than 12 months held by company	11

LOANS RECEIVABLE - Summary of L

LOANS RECEIVABLE - Summary of Loans receivable (Details) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2016
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 646,298		$ 652,607
Undisbursed portion of loans-in-process	(54,308)		(73,858)
Deferred loan fees (net)	(2,769)		(2,940)
Allowance for loan losses	(4,841)	$ (4,676)	(4,466)	$ (3,896)	$ (3,454)	$ (3,269)
Net loans	584,380		571,343
One-to-four family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	346,486		351,298
Allowance for loan losses	(1,308)	(1,270)	(1,241)	(1,350)	(1,564)	(1,627)
Multi-family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	21,345		21,508
Allowance for loan losses	(205)	(158)	(205)	(122)	(135)	(137)
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	116,777		127,644
Allowance for loan losses	(1,083)	(1,064)	(1,201)	(862)	(963)	(859)
Construction and land development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	140,829		145,486
Allowance for loan losses	(1,465)	(1,621)	(1,358)	(1,035)	(415)	(316)
Loans to financial institutions
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	6,000
Allowance for loan losses	(62)	0	0
Commercial business
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	10,270		488
Allowance for loan losses	(106)	(26)	(4)	0	0	(1)
Leases
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	2,767		4,240
Allowance for loan losses	(29)	(20)	(23)	(28)	(28)	(21)
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	1,824		1,943
Allowance for loan losses	$ (97)	$ (24)	$ (24)	$ (135)	$ (35)	$ (10)

LOANS RECEIVABLE - Summary of44

LOANS RECEIVABLE - Summary of loans individually evaluated for impairment by loan segment (Details 1) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2016
Allowance for Loan Losses:
Individually evaluated for impairment	$ 0		$ 0
Collectively evaluated for impairment	4,841		4,466
Total ending allowance balance	4,841	$ 4,676	4,466	$ 3,896	$ 3,454	$ 3,269
Loans:
Individually evaluated for impairment	22,506		19,665
Collectively evaluated for impairment	623,792		632,942
Total loans	646,298		652,607
One-to-four family residential
Allowance for Loan Losses:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	1,308		1,241
Total ending allowance balance	1,308	1,270	1,241	1,350	1,564	1,627
Loans:
Individually evaluated for impairment	9,864		8,277
Collectively evaluated for impairment	336,622		343,021
Total loans	346,486		351,298
Multi-family residential
Allowance for Loan Losses:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	205		205
Total ending allowance balance	205	158	205	122	135	137
Loans:
Individually evaluated for impairment	307		317
Collectively evaluated for impairment	21,038		21,191
Total loans	21,345		21,508
Commercial real estate
Allowance for Loan Losses:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	1,083		1,201
Total ending allowance balance	1,083	1,064	1,201	862	963	859
Loans:
Individually evaluated for impairment	3,581		2,337
Collectively evaluated for impairment	113,196		125,307
Total loans	116,777		127,644
Construction and land development
Allowance for Loan Losses:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	1,465		1,358
Total ending allowance balance	1,465	1,621	1,358	1,035	415	316
Loans:
Individually evaluated for impairment	8,744		8,724
Collectively evaluated for impairment	132,085		136,762
Total loans	140,829		145,486
Loans to financial institutions
Allowance for Loan Losses:
Individually evaluated for impairment	0
Collectively evaluated for impairment	62
Total ending allowance balance	62	0	0
Loans:
Individually evaluated for impairment	0
Collectively evaluated for impairment	6,000
Total loans	6,000
Commercial business
Allowance for Loan Losses:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	106		4
Total ending allowance balance	106	26	4	0	0	1
Loans:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	10,270		488
Total loans	10,270		488
Leases
Allowance for Loan Losses:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	29		23
Total ending allowance balance	29	20	23	28	28	21
Loans:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	2,767		4,240
Total loans	2,767		4,240
Consumer
Allowance for Loan Losses:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	97		24
Total ending allowance balance	97	24	24	135	35	10
Loans:
Individually evaluated for impairment	10		10
Collectively evaluated for impairment	1,814		1,933
Total loans	1,824		1,943
Unallocated
Allowance for Loan Losses:
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	486		410
Total ending allowance balance	$ 486	$ 493	$ 410	$ 364	$ 314	$ 298

LOANS RECEIVABLE - Impaired loa

LOANS RECEIVABLE - Impaired loans by class, segregated by those for which specific allowance was required and those for which specific allowance was not required (Details 2) - USD ($) $ in Thousands	Mar. 31, 2018	Sep. 30, 2017
Financing Receivable, Impaired [Line Items]
Impaired Loans with Specific Allowance - Recorded Investment	$ 0	$ 0
Impaired Loans with Specific Allowance - Related Allowance	0	0
Impaired Loans with No Specific Allowance - Recorded Investment	22,506	19,665
Total Impaired Loans - Recorded Investment	22,506	19,665
Total impaired loans - Unpaid Principal Balance	25,266	23,126
One-to-four family residential
Financing Receivable, Impaired [Line Items]
Impaired Loans with Specific Allowance - Recorded Investment	0	0
Impaired Loans with Specific Allowance - Related Allowance	0	0
Impaired Loans with No Specific Allowance - Recorded Investment	9,864	8,277
Total Impaired Loans - Recorded Investment	9,864	8,277
Total impaired loans - Unpaid Principal Balance	10,197	9,245
Multi-family residential
Financing Receivable, Impaired [Line Items]
Impaired Loans with Specific Allowance - Recorded Investment	0	0
Impaired Loans with Specific Allowance - Related Allowance	0	0
Impaired Loans with No Specific Allowance - Recorded Investment	307	317
Total Impaired Loans - Recorded Investment	307	317
Total impaired loans - Unpaid Principal Balance	307	317
Commercial real estate
Financing Receivable, Impaired [Line Items]
Impaired Loans with Specific Allowance - Recorded Investment	0	0
Impaired Loans with Specific Allowance - Related Allowance	0	0
Impaired Loans with No Specific Allowance - Recorded Investment	3,581	2,337
Total Impaired Loans - Recorded Investment	3,581	2,337
Total impaired loans - Unpaid Principal Balance	3,627	2,449
Construction and land development
Financing Receivable, Impaired [Line Items]
Impaired Loans with Specific Allowance - Recorded Investment	0	0
Impaired Loans with Specific Allowance - Related Allowance	0	0
Impaired Loans with No Specific Allowance - Recorded Investment	8,744	8,724
Total Impaired Loans - Recorded Investment	8,744	8,724
Total impaired loans - Unpaid Principal Balance	11,125	11,105
Consumer Loans
Financing Receivable, Impaired [Line Items]
Impaired Loans with Specific Allowance - Recorded Investment	0	0
Impaired Loans with Specific Allowance - Related Allowance	0	0
Impaired Loans with No Specific Allowance - Recorded Investment	10	10
Total Impaired Loans - Recorded Investment	10	10
Total impaired loans - Unpaid Principal Balance	$ 10	$ 10

LOANS RECEIVABLE - Average reco

LOANS RECEIVABLE - Average recorded investment in impaired loans and related interest income recognized (Details 3) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2018	Mar. 31, 2017	Mar. 31, 2018	Mar. 31, 2017
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	$ 22,158	$ 18,824	$ 20,668	$ 18,994
Income Recognized on Accrual Basis	77	55	146	96
Income Recognized on Cash Basis	0	33	4	71
One-to-four family residential
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	9,777	6,086	8,521	5,909
Income Recognized on Accrual Basis	43	32	77	49
Income Recognized on Cash Basis	0	33	4	59
Multi-family residential
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	311	330	316	332
Income Recognized on Accrual Basis	5	6	11	12
Income Recognized on Cash Basis	0	0	0	0
Commercial real estate
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	3,316	2,801	2,942	2,919
Income Recognized on Accrual Basis	29	17	58	35
Income Recognized on Cash Basis	0	0	0	12
Construction and land development
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	8,744	9,607	8,879	9,834
Income Recognized on Accrual Basis	0	0	0	0
Income Recognized on Cash Basis	0	$ 0	0	$ 0
Consumer
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	10		10
Income Recognized on Accrual Basis	0		0
Income Recognized on Cash Basis	$ 0		$ 0

LOANS RECEIVABLE - Summary of c

LOANS RECEIVABLE - Summary of classes of loan portfolio in which formal risk weighting system is used (Details 4) - USD ($) $ in Thousands	Mar. 31, 2018	Sep. 30, 2017
Financing Receivable, Recorded Investment [Line Items]
Total Loans	$ 646,298	$ 652,607
One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	346,486	351,298
Multi-family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	21,345	21,508
Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total Loans	116,777	127,644
Construction and land development
Financing Receivable, Recorded Investment [Line Items]
Total Loans	140,829	145,486
Loans to financial institutions
Financing Receivable, Recorded Investment [Line Items]
Total Loans	6,000
Commercial business
Financing Receivable, Recorded Investment [Line Items]
Total Loans	10,270	488
Consumer
Financing Receivable, Recorded Investment [Line Items]
Total Loans	1,824	1,943
Risk Rating System
Financing Receivable, Recorded Investment [Line Items]
Total Loans	302,139	300,639
Risk Rating System | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	6,918	5,513
Risk Rating System | Multi-family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	21,345	21,508
Risk Rating System | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total Loans	116,777	127,644
Risk Rating System | Construction and land development
Financing Receivable, Recorded Investment [Line Items]
Total Loans	140,829	145,486
Risk Rating System | Loans to financial institutions
Financing Receivable, Recorded Investment [Line Items]
Total Loans	6,000
Risk Rating System | Commercial business
Financing Receivable, Recorded Investment [Line Items]
Total Loans	10,270	488
Risk Rating System | Pass
Financing Receivable, Recorded Investment [Line Items]
Total Loans	282,589	283,749
Risk Rating System | Pass | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Risk Rating System | Pass | Multi-family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	21,038	21,191
Risk Rating System | Pass | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total Loans	113,196	125,307
Risk Rating System | Pass | Construction and land development
Financing Receivable, Recorded Investment [Line Items]
Total Loans	132,085	136,763
Risk Rating System | Pass | Loans to financial institutions
Financing Receivable, Recorded Investment [Line Items]
Total Loans	6,000
Risk Rating System | Pass | Commercial business
Financing Receivable, Recorded Investment [Line Items]
Total Loans	10,270	488
Risk Rating System | Special Mention
Financing Receivable, Recorded Investment [Line Items]
Total Loans	5,274	3,084
Risk Rating System | Special Mention | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	3,322	1,635
Risk Rating System | Special Mention | Multi-family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Risk Rating System | Special Mention | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total Loans	1,952	1,449
Risk Rating System | Special Mention | Construction and land development
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Risk Rating System | Special Mention | Loans to financial institutions
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0
Risk Rating System | Special Mention | Commercial business
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Risk Rating System | Substandard
Financing Receivable, Recorded Investment [Line Items]
Total Loans	14,276	13,806
Risk Rating System | Substandard | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	3,596	3,878
Risk Rating System | Substandard | Multi-family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	307	317
Risk Rating System | Substandard | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total Loans	1,629	888
Risk Rating System | Substandard | Construction and land development
Financing Receivable, Recorded Investment [Line Items]
Total Loans	8,744	8,723
Risk Rating System | Substandard | Loans to financial institutions
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0
Risk Rating System | Substandard | Commercial business
Financing Receivable, Recorded Investment [Line Items]
Total Loans	$ 0	$ 0

LOANS RECEIVABLE - Loans in whi

LOANS RECEIVABLE - Loans in which formal risk rating system is not utilized, but loans are segregated between performing and non-performing based primarily on delinquency status (Details 5) - USD ($) $ in Thousands	Mar. 31, 2018	Sep. 30, 2017
Financing Receivable, Recorded Investment [Line Items]
Total Loans	$ 646,298	$ 652,607
One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	346,486	351,298
Leases
Financing Receivable, Recorded Investment [Line Items]
Total Loans	2,767	4,240
Consumer
Financing Receivable, Recorded Investment [Line Items]
Total Loans	1,824	1,943
Non Risk Rating System
Financing Receivable, Recorded Investment [Line Items]
Total Loans	344,159	351,968
Non Risk Rating System | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	345,785	339,568
Non Risk Rating System | Leases
Financing Receivable, Recorded Investment [Line Items]
Total Loans	2,767	4,240
Non Risk Rating System | Consumer
Financing Receivable, Recorded Investment [Line Items]
Total Loans	1,824	1,943
Non Risk Rating System | Performing
Financing Receivable, Recorded Investment [Line Items]
Total Loans	341,213	349,204
Non Risk Rating System | Performing | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	336,622	343,021
Non Risk Rating System | Performing | Leases
Financing Receivable, Recorded Investment [Line Items]
Total Loans	2,767	4,240
Non Risk Rating System | Performing | Consumer
Financing Receivable, Recorded Investment [Line Items]
Total Loans	1,824	1,943
Non Risk Rating System | Nonperforming
Financing Receivable, Recorded Investment [Line Items]
Total Loans	2,946	2,764
Non Risk Rating System | Nonperforming | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total Loans	2,946	2,764
Non Risk Rating System | Nonperforming | Leases
Financing Receivable, Recorded Investment [Line Items]
Total Loans	0	0
Non Risk Rating System | Nonperforming | Consumer
Financing Receivable, Recorded Investment [Line Items]
Total Loans	$ 0	$ 0

LOANS RECEIVABLE - Loan categor

LOANS RECEIVABLE - Loan categories of loan portfolio summarized by aging categories of performing loans and nonaccrual loans (Details 6) - USD ($) $ in Thousands	Mar. 31, 2018	Sep. 30, 2017
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	$ 631,597	$ 636,906
Past Due	14,701	15,701
Total Loans	646,298	652,607
Non- Accrual	14,021	15,397
90 Days+ Past Due and Accruing	0	0
30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	1,762	2,815
90 Days + Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	12,939	12,886
One-to-four family residential
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	342,040	346,877
Past Due	4,446	4,421
Total Loans	346,486	351,298
Non- Accrual	3,882	5,107
90 Days+ Past Due and Accruing	0	0
One-to-four family residential | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	1,646	1,746
One-to-four family residential | 90 Days + Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	2,800	2,675
Multi-family residential
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	21,345	21,508
Past Due	0	0
Total Loans	21,345	21,508
Non- Accrual	0	0
90 Days+ Past Due and Accruing	0	0
Multi-family residential | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Multi-family residential | 90 Days + Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Commercial real estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	115,382	125,157
Past Due	1,395	2,487
Total Loans	116,777	127,644
Non- Accrual	1,395	1,566
90 Days+ Past Due and Accruing	0	0
Commercial real estate | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	1,000
Commercial real estate | 90 Days + Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	1,395	1,487
Construction and land development
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	132,085	136,762
Past Due	8,744	8,724
Total Loans	140,829	145,486
Non- Accrual	8,744	8,724
90 Days+ Past Due and Accruing	0	0
Construction and land development | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Construction and land development | 90 Days + Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	8,744	8,724
Loans to financial institutions
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	6,000
Past Due	0
Total Loans	6,000
Non- Accrual	0
90 Days+ Past Due and Accruing	0
Loans to financial institutions | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0
Loans to financial institutions | 90 Days + Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0
Commercial business
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	10,164	488
Past Due	106	0
Total Loans	10,270	488
Non- Accrual	0	0
90 Days+ Past Due and Accruing	0	0
Commercial business | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	106	0
Commercial business | 90 Days + Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Leases
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	2,767	4,240
Past Due	0	0
Total Loans	2,767	4,240
Non- Accrual	0	0
90 Days+ Past Due and Accruing	0	0
Leases | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Leases | 90 Days + Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	0	0
Consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	1,814	1,874
Past Due	10	69
Total Loans	1,824	1,943
Non- Accrual	0	0
90 Days+ Past Due and Accruing	0	0
Consumer | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	10	69
Consumer | 90 Days + Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due	$ 0	$ 0

LOANS RECEIVABLE - Activity in

LOANS RECEIVABLE - Activity in allowance (Details 7) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2018	Mar. 31, 2017	Mar. 31, 2018	Mar. 31, 2017
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	$ 4,676	$ 3,454	$ 4,466	$ 3,269
Charge-offs	(12)	(1,948)	12	(1,948)
Recoveries	27	25	27	25
Provision	150	2,365	360	2,550
ALLL balance	4,841	3,896	4,841	3,896
One- to four-family residential
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	1,270	1,564	1,241	1,627
Charge-offs	0	(113)	0	(113)
Recoveries	27	25	27	25
Provision	11	(126)	40	(189)
ALLL balance	1,308	1,350	1,308	1,350
Multi-family residential
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	158	135	205	137
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	47	(13)	0	(15)
ALLL balance	205	122	205	122
Commercial real estate
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	1,064	963	1,201	859
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	19	(101)	(118)	3
ALLL balance	1,083	862	1,083	862
Construction and land development
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	1,621	415	1,358	316
Charge-offs	(12)	(1,819)	(12)	(1,819)
Recoveries	0	0	0	0
Provision	(144)	2,439	119	2,538
ALLL balance	1,465	1,035	1,465	1,035
Financial institutions
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	0		0
Charge-offs	0		0
Recoveries	0		0
Provision	62		62
ALLL balance	62		62
Commercial business
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	26	0	4	1
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	80	0	102	(1)
ALLL balance	106	0	106	0
Leases
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	20	28	23	21
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	9	0	6	7
ALLL balance	29	28	29	28
Consumer
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	24	35	24	10
Charge-offs	0	(16)	0	(16)
Recoveries	0	0	0	0
Provision	73	116	73	141
ALLL balance	97	135	97	135
Unallocated
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	493	314	410	298
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	(7)	50	76	66
ALLL balance	$ 486	$ 364	$ 486	$ 364

LOANS RECEIVABLE - Troubled deb

LOANS RECEIVABLE - Troubled debt restructurings (Details 8) $ in Thousands	6 Months Ended
	Mar. 31, 2018USD ($)Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans | Loan	0
Pre-Modification Outstanding Recorded Investment	$ 77
Post-Modification Outstanding Recorded Investment	$ 77
One-to-four family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans | Loan	0
Pre-Modification Outstanding Recorded Investment	$ 77
Post-Modification Outstanding Recorded Investment	$ 77

LOANS RECEIVABLE (Detail Textua

LOANS RECEIVABLE (Detail Textuals)	3 Months Ended		6 Months Ended
	Mar. 31, 2018USD ($)	Mar. 31, 2017USD ($)	Mar. 31, 2018USD ($)Loan	Mar. 31, 2017USD ($)Advance
Accounts, Notes, Loans and Financing Receivable [Line Items]
Provision for loan losses	$ 150,000	$ 2,365,000	$ 360,000	$ 2,550,000
Allowance for Loan and Lease Losses, Write-offs	12,000	1,948,000	(12,000)	1,948,000
Allowance for Loan and Lease Loss, Recovery of Bad Debts	27,000	$ 25,000	27,000	25,000
Loans classified as troubled debt restructurings ("TDRs"), Recorded investment	6,200		$ 6,200
Number of loans default | Loan			10
Amount of TDR loans, default			$ 1,900,000	10,700,000
Write-down amount of TDR loans			156,000	$ 1,900,000
Nonperforming
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans classified as troubled debt restructurings ("TDRs"), Recorded investment	4,900,000		4,900,000
Number of loans default | Advance				3
Performing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans classified as troubled debt restructurings ("TDRs"), Recorded investment	$ 1,100		$ 1,100
Number of loans default | Loan			6

DEPOSITS - Major classification

DEPOSITS - Major classifications of deposits (Details) - USD ($) $ in Thousands	Mar. 31, 2018	Sep. 30, 2017
Amount
Money market deposit accounts	$ 65,645	$ 76,272
Interest-bearing checking accounts	53,017	54,267
Non interest-bearing checking accounts	11,904	9,375
Passbook, club and statement savings	101,027	101,743
Certificates maturing in six months or less	119,626	154,750
Certificates maturing in more than six months	323,483	239,575
Total deposits	$ 674,702	$ 635,982
Percent
Money market deposit accounts	9.70%	12.00%
Interest-bearing checking accounts	7.90%	8.50%
Non interest-bearing checking accounts	1.80%	1.50%
Passbook, club and statement savings	15.00%	16.00%
Certificates maturing in six months or less	17.70%	24.30%
Certificates maturing in more than six months	47.90%	37.70%
Total	100.00%	100.00%

DEPOSITS (Detail Textuals)

DEPOSITS (Detail Textuals) - USD ($) $ in Millions	Mar. 31, 2018	Sep. 30, 2017
Deposits [Abstract]
Certificates of $250,000 and over	$ 36.6	$ 28.9

ADVANCES FROM FEDERAL HOME LO55

ADVANCES FROM FEDERAL HOME LOAN BANK - SHORT TERM (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Mar. 31, 2018	Sep. 30, 2017
Federal Home Loan Bank, Advances [Line Items]
Balance at period-end	$ 20,000	$ 20,000
Weighted average rate | Short-term
Federal Home Loan Bank, Advances [Line Items]
Coupon	1.90%	1.31%
Fixed Rate - Advances Maturity Date 6 Oct 17 | Short-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Oct. 6, 2017
Coupon		1.30%
Call Date		Not Applicable
Balance at period-end		$ 10,000
Fixed Rate - Advances Maturity Date 13 Oct 17 | Short-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Oct. 13, 2017
Coupon		1.31%
Call Date		Not Applicable
Balance at period-end		$ 10,000
Fixed Rate - Advances Maturity Date 6 Apr 18 | Short-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date	Apr. 6, 2018
Coupon	1.80%
Call Date	Not Applicable
Balance at period-end	$ 10,000
Fixed Rate - Advances Maturity Date 13 Apr 18 | Short-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date	Apr. 13, 2018
Coupon	1.99%
Call Date	Not Applicable
Balance at period-end	$ 10,000
Fixed Rate - Advances | Short-term
Federal Home Loan Bank, Advances [Line Items]
Balance at period-end	$ 20,000	$ 20,000

ADVANCES FROM FEDERAL HOME LO56

ADVANCES FROM FEDERAL HOME LOAN BANK - SHORT TERM (Detail Textual) $ in Thousands	6 Months Ended
	Mar. 31, 2018USD ($)Advance	Sep. 30, 2017USD ($)
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Average balance outstanding	$ 20,000
Number of federal home loan bank advances | Advance	2
Short-term borrowings from the FHLB	$ 20,000	$ 20,000
Interest rate swap contract one
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Short-term borrowings from the FHLB	$ 10,000
Weighted average effective cost	1.25%
Interest rate swap contract two
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Short-term borrowings from the FHLB		$ 10,000
Weighted average effective cost		1.17%

ADVANCES FROM FEDERAL HOME LO57

ADVANCES FROM FEDERAL HOME LOAN BANK - LONG TERM (Details) - USD ($) $ in Thousands		6 Months Ended	12 Months Ended
		Mar. 31, 2018	Sep. 30, 2017
Federal Home Loan Bank, Advances [Line Items]
Amount		$ 106,355	$ 94,318
Long-term
Federal Home Loan Bank, Advances [Line Items]
Amount		$ 106,355	$ 94,318
Fixed Rate - Amortizing Maturity Date 1-Dec-17 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date			Dec. 1, 2017
Coupon			1.16%
Call Date			Not Applicable
Amount			$ 505
Fixed Rate - Amortizing Maturity Date 18-Nov-19 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Nov. 18, 2019	Nov. 18, 2019
Coupon		1.53%	1.53%
Call Date		Not Applicable	Not Applicable
Amount		$ 2,333	$ 3,044
Fixed Rate - Amortizing 26-Oct-20 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Oct. 26, 2020
Coupon		1.94%
Call Date		Not Applicable
Amount		$ 3,458
Fixed Rate - Amortizing 16-Mar-21 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Mar. 16, 2021
Coupon		2.64%
Amount		$ 2,500
Fixed Rate - Amortizing 12-Oct-21 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Oct. 12, 2021
Coupon		1.99%
Call Date		Not Applicable
Amount		$ 2,698
Fixed Rate - Amortizing 15-Aug-23 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Aug. 15, 2023	Aug. 15, 2023
Coupon		1.94%	1.94%
Call Date		Not Applicable	Not Applicable
Amount		$ 1,816	$ 1,974
Fixed Rate - Amortizing | Long-term
Federal Home Loan Bank, Advances [Line Items]
Amount	[1]	$ 12,805	$ 5,523
Fixed Rate - Amortizing | Weighted average rate | Long-term
Federal Home Loan Bank, Advances [Line Items]
Coupon	[1]	2.01%	2.01%
Fixed Rate - Advance Maturity Date 17-Nov-17 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date			Nov. 17, 2017
Coupon			1.20%
Call Date			Not Applicable
Amount			$ 10,000
Fixed Rate - Advance Maturity Date 4-Dec-17 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date			Dec. 4, 2017
Coupon			1.15%
Call Date			Not Applicable
Amount			$ 2,000
Fixed Rate - Advance Maturity Date 19-Mar-18 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date			Mar. 19, 2018
Coupon			2.53%
Call Date			Not Applicable
Amount			$ 5,029
Fixed Rate - Advance Maturity Date 19-Mar-18 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date			Mar. 19, 2018
Coupon			2.13%
Call Date			Not Applicable
Amount			$ 5,041
Fixed Rate - Advance Maturity Date 20-Jun-18 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Jun. 20, 2018	Jun. 20, 2018
Coupon		1.86%	1.86%
Call Date		Not Applicable	Not Applicable
Amount		$ 3,004	$ 3,011
Fixed Rate - Advance Maturity Date 25-Jun-18 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Jun. 25, 2018	Jun. 25, 2018
Coupon		2.09%	2.09%
Call Date		Not Applicable	Not Applicable
Amount		$ 3,005	$ 3,016
Fixed Rate - Advance Maturity Date 27-Aug-18 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Aug. 27, 2018	Aug. 27, 2018
Coupon		4.15%	4.15%
Call Date		Not Applicable	Not Applicable
Amount		$ 7,078	$ 7,174
Fixed Rate - Advance Maturity Date 15-Nov-18 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Nov. 15, 2018	Nov. 15, 2018
Coupon		1.89%	1.89%
Call Date		Not Applicable	Not Applicable
Amount		$ 3,008	$ 3,014
Fixed Rate - Advance Maturity Date 16-Nov-18 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Nov. 16, 2018	Nov. 16, 2018
Coupon		1.40%	1.40%
Call Date		Not Applicable	Not Applicable
Amount		$ 7,500	$ 7,500
Fixed Rate - Advance Maturity Date 26-Nov-18 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Nov. 26, 2018	Nov. 26, 2018
Coupon		1.81%	1.81%
Call Date		Not Applicable	Not Applicable
Amount		$ 2,004	$ 2,008
Fixed Rate - Advance Maturity Date 3-Dec-18 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Dec. 3, 2018	Dec. 3, 2018
Coupon		1.54%	1.54%
Call Date		Not Applicable	Not Applicable
Amount		$ 3,000	$ 3,000
Fixed Rate - Advance Maturity Date 16-Aug-19 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Aug. 16, 2019	Aug. 16, 2019
Coupon		2.66%	2.66%
Call Date		Not Applicable	Not Applicable
Amount		$ 3,041	$ 3,056
Fixed Rate - Advance Maturity Date 9-Oct-19 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Oct. 9, 2019	Oct. 9, 2019
Coupon		2.54%	2.54%
Call Date		Not Applicable	Not Applicable
Amount		$ 2,025	$ 2,034
Fixed Rate - Advance Maturity 26-Nov-19 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Nov. 26, 2019	Nov. 26, 2019
Coupon		2.35%	2.35%
Call Date		Not Applicable	Not Applicable
Amount		$ 3,037	$ 3,062
Fixed Rate - Advance Maturity 22-Jun-20 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Jun. 22, 2020	Jun. 22, 2020
Coupon		2.60%	2.60%
Call Date		Not Applicable	Not Applicable
Amount		$ 3,051	$ 3,000
Fixed Rate - Advance Maturity 24-Jun-20 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Jun. 24, 2020	Jun. 24, 2020
Coupon		2.85%	2.85%
Call Date		Not Applicable	Not Applicable
Amount		$ 2,044	$ 2,054
Fixed Rate -Advance Maturity Date 27-Jul-20 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Jul. 27, 2020	Jul. 27, 2020
Coupon		1.38%	1.38%
Call Date		Not Applicable	Not Applicable
Amount		$ 249	$ 249
Fixed Rate - Advance Maturity 17-Aug-20 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Aug. 17, 2020	Aug. 17, 2020
Coupon		3.06%	3.06%
Call Date		Not Applicable	Not Applicable
Amount		$ 2,056	$ 2,068
Fixed Rate - Advance Maturity 9-Oct-20 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Oct. 9, 2020	Oct. 9, 2020
Coupon		2.92%	2.92%
Call Date		Not Applicable	Not Applicable
Amount		$ 2,051	$ 2,061
Fixed Rate - Advance Maturity Date 27-Jul-21 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Jul. 27, 2021	Jul. 27, 2021
Coupon		1.52%	1.52%
Call Date		Not Applicable	Not Applicable
Amount		$ 249	$ 249
Fixed Rate - Advance Maturity Date 28-Jul-21 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Jul. 28, 2021	Jul. 28, 2021
Coupon		1.48%	1.48%
Call Date		Not Applicable	Not Applicable
Amount		$ 249	$ 249
Fixed Rate - Advance Maturity Date 29-Jul-21 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Jul. 29, 2021	Jul. 29, 2021
Coupon		1.42%	1.42%
Call Date		Not Applicable	Not Applicable
Amount		$ 249	$ 249
Fixed Rate -Advance Maturity Date 19-Aug-21 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Aug. 19, 2021	Aug. 19, 2021
Coupon		1.55%	1.55%
Call Date		Not Applicable	Not Applicable
Amount		$ 249	$ 249
Fixed Rate - Advance Maturity Date 7-Oct-21 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Oct. 7, 2021	Oct. 7, 2021
Coupon		3.19%	3.19%
Call Date		Not Applicable	Not Applicable
Amount		$ 2,078	$ 2,089
Fixed Rate - Advance Maturity Date 12-Oct-21 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Oct. 12, 2021	Oct. 12, 2021
Coupon		3.23%	3.23%
Call Date		Not Applicable	Not Applicable
Amount		$ 2,074	$ 2,084
Fixed Rate - Advance Maturity Date 20-Oct-21 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Oct. 20, 2021
Coupon		2.12%
Call Date		Not Applicable
Amount		$ 4,000
Fixed Rate - Advance Maturity Date 6 Jun 22 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Jun. 6, 2022	Jun. 6, 2022
Coupon		2.05%	2.05%
Call Date		Not Applicable	Not Applicable
Amount		$ 10,000	$ 10,000
Fixed Rate - Advance Maturity Date 6-Sep-22 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Sep. 6, 2022	Sep. 6, 2022
Coupon		1.94%	1.94%
Call Date		Not Applicable	Not Applicable
Amount		$ 249	$ 249
Fixed Rate - Advance Maturity Date 22-Sep-22 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Sep. 22, 2022	Sep. 22, 2022
Coupon		2.11%	2.11%
Call Date		Not Applicable	Not Applicable
Amount		$ 5,000	$ 5,000
Fixed Rate - Advance Maturity Date 12-Oct-22 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Oct. 12, 2022
Coupon		2.22%
Call Date		Not Applicable
Amount		$ 3,000
Fixed Rate - Advance Maturity Date 17-Oct-22 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Oct. 17, 2022
Coupon		2.18%
Call Date		Not Applicable
Amount		$ 3,000
Fixed Rate - Advance Maturity Date 26-Oct-22 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Oct. 26, 2022
Coupon		2.29%
Call Date		Not Applicable
Amount		$ 3,000
Fixed Rate - Advance Maturity Date 31-Oct-22 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Oct. 31, 2022
Coupon		2.30%
Call Date		Not Applicable
Amount		$ 2,000
Fixed Rate - Advance Maturity Date 13-Dec-22 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Dec. 13, 2022
Coupon		2.44%
Call Date		Not Applicable
Amount		$ 4,000
Fixed Rate - Advance Maturity Date 17-Jan-23 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Jan. 27, 2024
Coupon		2.58%
Call Date		Not Applicable
Amount		$ 4,000
Fixed Rate - Advance Maturity Date 27-Mar-23 | Long-term
Federal Home Loan Bank, Advances [Line Items]
Maturity Date		Mar. 27, 2023
Coupon		2.93%
Call Date		Not Applicable
Amount		$ 4,000
Fixed Rate Advances | Long-term
Federal Home Loan Bank, Advances [Line Items]
Amount	[1]	$ 93,550	$ 88,795
Fixed Rate Advances | Weighted average rate | Long-term
Federal Home Loan Bank, Advances [Line Items]
Coupon	[1]	2.39%	2.39%
[1]	Weighted average coupon rate

DERIVATIVES (Details)

DERIVATIVES (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Mar. 31, 2018	Sep. 30, 2017
Derivative [Line Items]
Unrealized Gain	$ 738	$ 502
Interest rate swap contract
Derivative [Line Items]
Notional Amount	$ 10,000	$ 10,000
Pay Rate	1.15%	1.15%
Receive Rate	1 Month Libor	1 Mth Libor
Maturity Date	Apr. 6, 2021	Apr. 6, 2021
Unrealized Gain	$ 360	$ 217
Interest rate swap contract
Derivative [Line Items]
Notional Amount	$ 10,000	$ 10,000
Pay Rate	1.18%	1.18%
Receive Rate	1 Month Libor	1 Mth Libor
Maturity Date	Jun. 13, 2021	Jun. 13, 2021
Unrealized Gain	$ 378	$ 223
Interest rate swap contract
Derivative [Line Items]
Notional Amount	$ 1,100	$ 1,100
Pay Rate	4.10%	4.10%
Receive Rate	1 Month Libor +276 bp	1 Mth Libor +276 bp
Maturity Date	Aug. 1, 2026	Aug. 1, 2026
Unrealized Gain	$ 0	$ 62

DERIVATIVES (Detail Textuals)

DERIVATIVES (Detail Textuals) - USD ($)	3 Months Ended		6 Months Ended
	Mar. 31, 2018	Mar. 31, 2017	Mar. 31, 2018	Mar. 31, 2017	Sep. 30, 2017
Financing Receivable, Allowance For Credit Losses [Line Items]
Interest rate swap agreements outstanding amount	$ 20,000,000		$ 20,000,000		$ 20,000,000
Income recognized as ineffectiveness through earnings	6,000	$ 0	48,000	$ 0
Interest rate swap designated as a fair value hedge	1,100,000		1,100,000		$ 1,100,000
Income recognized through earnings	$ 2,000	$ 0	$ 15,000	$ 0

INCOME TAXES - Items that gave

INCOME TAXES - Items that gave rise to significant portions of deferred income taxes (Details) - USD ($) $ in Thousands	Mar. 31, 2018	Sep. 30, 2017
Deferred tax assets:
Allowance for loan losses	$ 1,354	$ 1,675
Nonaccrual interest	276	349
Accrued vacation	7	12
Capital loss carryforward	300	476
Split dollar life insurance	10	15
Post-retirement benefits	59	98
Unrealized losses on available for sale securities	1,339	569
Deferred compensation	886	1,439
Goodwill	86	148
Purchase accounting adjustments	198	731
Other	50	254
Employee benefit plans	25	90
Total deferred tax assets	4,590	5,856
Valuation allowance	(239)	(378)
Total deferred tax assets, net of valuation allowance	4,351	5,478
Deferred tax liabilities:
Property	166	332
Unrealized gains on interest rate swaps	155	171
Deferred loan fees	475	884
Total deferred tax liabilities	796	1,387
Net deferred tax assets	$ 3,555	$ 4,091

INCOME TAXES - The income tax e

INCOME TAXES - The income tax expense differs from that computed at the statutory federal corporate tax rate (Details 1) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2018	Mar. 31, 2017	Mar. 31, 2018	Mar. 31, 2017
Income Tax Disclosure [Abstract]
Tax expense (benefit) at statutory rate			$ 1,230	$ (751)
Adjustments resulting from:
Write-down of deferred tax asset, amount			1,756	0
Non deductible merger expenses, amount			0	45
Tax exempt income, amount			(67)	(28)
Income from bank owned life insurance, amount			(78)	(115)
Employee benefit plans, amount			32	46
Other, amount			10	2
Income tax expense (benefit)	$ 619	$ (1,171)	$ 2,883	$ (801)
Tax at statutory rate, percentage of pretax income	24.25%		24.25%	(34.00%)
Adjustments resulting from:
Write-down of deferred tax asset, percentage of pretax income			34.61%	(0.00%)
Non deductible merger expenses, percentage of pretax income			0.00%	2.64%
Tax exempt income, percentage of pretax income			(1.32%)	(1.26%)
Income from bank owned life insurance, percentage of pretax income			(1.54%)	(5.19%)
Employee benefit plans, percentage of pretax income			0.63%	2.08%
Other, percentage of pretax income			0.19%	0.09%
Income tax expense, percentage of pretax income			56.82%	(36.24%)

INCOME TAXES (Detail Textuals)

INCOME TAXES (Detail Textuals) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2018	Mar. 31, 2017	Mar. 31, 2018	Mar. 31, 2017	Sep. 30, 2017
Income Taxes [Line Items]
Valuation allowance	$ 239		$ 239		$ 378
Income tax expense	$ 619	$ (1,171)	2,883	$ (801)
TCJA remeasurement of deferred tax assets			$ 1,800
Effective income tax rate			56.82%	(36.24%)
Tax at statutory rate	24.25%		24.25%	(34.00%)
January 1, 2018
Income Taxes [Line Items]
Tax at statutory rate			21.00%
October 1, 2018
Income Taxes [Line Items]
Tax at statutory rate			21.00%

STOCK COMPENSATION PLANS - Summ

STOCK COMPENSATION PLANS - Summary of non-vested stock award activity (Details) - $ / shares	6 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Number of Shares
Nonvested stock awards	142,594	172,788
Granted	26,500	17,128
Forfeited	4,636	0
Vested	(44,647)	(43,018)
Nonvested stock awards	129,083	146,898
Weighted Average Grant Date Fair Value
Nonvested stock awards	$ 12.79	$ 12.03
Granted	18.46	17.43
Forfeited	11.91	0
Vested	12.06	11.61
Nonvested stock awards	$ 14.17	$ 12.78

STOCK COMPENSATION PLANS - Su64

STOCK COMPENSATION PLANS - Summary of status of stock options under Stock Option Plan (Details 1) - 2008 Option Plan and 2014 SIP - Stock Options - $ / shares	6 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Number of Shares
Outstanding at October 1	922,564	921,909
Granted	177,500	22,828
Exercised	(37,171)	(32,224)
Forfeited	(12,234)	0
Outstanding at March 31	1,050,659	912,513
Exercisable at March 31	595,385	579,078
Weighted Average Exercise Price
Outstanding at October 1	$ 12.04	$ 11.70
Granted	18.46	11.43
Exercised	11.50	11.50
Forfeited	11.90	0
Outstanding at March 31	13.15	11.85
Exercisable at March 31	$ 11.53	$ 11.43

STOCK COMPENSATION PLANS (Detai

STOCK COMPENSATION PLANS (Detail Textuals) - USD ($) $ / shares in Units, $ in Millions	1 Months Ended	6 Months Ended
	Aug. 31, 2016	Mar. 31, 2018	Mar. 31, 2017
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares granted		26,500	17,128
2008 Recognition and Retention Plan ("2008 RRP")
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares purchased by RRP trust		213,528
Value of shares purchased in open market by RRP trust		$ 2.5
Average price per share of common stock purchased in the open market		$ 11.49
Percentage of vesting per year		20.00%
Vesting period of awards granted		5 years
Number of shares granted	7,473	8,209

STOCK COMPENSATION PLANS (Det66

STOCK COMPENSATION PLANS (Detail Textuals 1) - USD ($)	1 Months Ended			3 Months Ended		6 Months Ended
	May 31, 2017	Aug. 31, 2016	Feb. 28, 2015	Mar. 31, 2018	Mar. 31, 2017	Mar. 31, 2018	Mar. 31, 2017
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares granted						26,500	17,128
2008 Stock Option Plan (the "2008 Option Plan") | Stock Options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Percentage of vesting and exercisable per year						20.00%
Vesting period of options						5 years
Exercisable period of options after grant date						10 years
Number of common stock available for issuance				533,808		533,808
Number of shares granted		18,867				18,235
2014 Stock Incentive Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares granted	24,717	3,027				18,291
2014 Stock Incentive Plan | Stock Options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares for issuance pursuant to options				714,145		714,145
Number of shares granted	283	8,633				159,265	22,828
2014 Stock Incentive Plan | Restricted stock awards or units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of common stock available for issuance			285,655
Number of shares granted			233,500			17,128
Weighted average period for recognition of nonvested awards			5 years
2008 RRP and 2014 SIP
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares purchased for award			605,000
2008 RRP and 2014 SIP | Restricted stock awards or units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Recognized compensation expense				$ 99,000	$ 145,000	$ 250,000	$ 280,000
Additional compensation expense for shares awarded remained unrecognized				1,700,000		1,700,000
2008 Option Plan and 2014 SIP | Stock Options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Recognized compensation expense				102,000	$ 138,000	239,000	$ 268,000
Additional compensation expense for options awarded remained unrecognized				$ 1,700,000		$ 1,700,000
Weighted average period for recognition of nonvested awards						2 years 6 months

STOCK COMPENSATION PLANS (Det67

STOCK COMPENSATION PLANS (Detail Textuals 2)	6 Months Ended
	Mar. 31, 2018$ / shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted average remaining contractual term for options outstanding	4 years
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2009
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Estimated fair value of options granted per share	$ 2.98
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2010
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Estimated fair value of options granted per share	2.92
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Estimated fair value of options granted per share	3.34
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2014
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Estimated fair value of options granted per share	4.67
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Estimated fair value of options granted per share	4.58
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2016
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Estimated fair value of options granted per share	2.13
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2017
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Estimated fair value of options granted per share	$ 3.18
Fair value, valuation method	Black-Scholes pricing model
Exercise price and fair value	$ 18.46
Expected term	7 years
Volatility rate	14.37%
Expected interest rate	2.22%
Expected yield	0.69%
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2017 | Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Exercise price and fair value	$ 18.39
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2017 | Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Exercise price and fair value	17.43
2008 Option Plan and 2014 SIP | Stock Options | Granted in fiscal 2018
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Estimated fair value of options granted per share	$ 3.63
Fair value, valuation method	Black-Scholes pricing model
Exercise price and fair value	$ 18.46
Expected term	7 years
Volatility rate	15.90%
Expected interest rate	2.82%
Expected yield	1.08%

COMMITMENTS AND CONTINGENT LI68

COMMITMENTS AND CONTINGENT LIABILITIES (Detail Textuals) $ in Thousands	6 Months Ended	12 Months Ended
	Mar. 31, 2018USD ($)Loan	Sep. 30, 2017USD ($)
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Exposure related to loans sold to FHLB	$ 1,700
Aggregate undisbursed portion of loans-in-process	54,308	$ 73,858
Loans with unused commitments	$ 46,300
Number of loans with unused commitments | Loan	5
Loan Origination Commitments
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Exposure related to loans sold to FHLB	$ 74,400	45,900
Aggregate undisbursed portion of loans-in-process	$ 54,300	$ 73,900
Loan Origination Commitments | Minimum
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Market interest rate on fixed and variable rate loans	4.00%	3.75%
Loan Origination Commitments | Maximum
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Market interest rate on fixed and variable rate loans	5.75%	5.25%
Unused lines of Credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Exposure related to loans sold to FHLB	$ 57,300	$ 7,400
Letters of Credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Exposure related to loans sold to FHLB	$ 1,700	$ 1,400

FAIR VALUE MEASUREMENT - Assets

FAIR VALUE MEASUREMENT - Assets measured at fair value on recurring basis (Details) - Fair Value, Measurements, Recurring - Fair Value - USD ($) $ in Thousands	Mar. 31, 2018	Sep. 30, 2017
Assets:
Assets, total	$ 219,903	$ 178,904
Level 1
Assets:
Assets, total	36	76
Level 2
Assets:
Assets, total	219,867	178,828
Level 3
Assets:
Assets, total	0	0
U.S. Government and agency obligations
Assets:
Assets, total	24,765	25,799
U.S. Government and agency obligations | Level 1
Assets:
Assets, total	0	0
U.S. Government and agency obligations | Level 2
Assets:
Assets, total	24,765	25,799
U.S. Government and agency obligations | Level 3
Assets:
Assets, total	0	0
Mortgage-backed securities - US Government agencies
Assets:
Assets, total	132,115	118,127
Mortgage-backed securities - US Government agencies | Level 1
Assets:
Assets, total	0	0
Mortgage-backed securities - US Government agencies | Level 2
Assets:
Assets, total	132,115	118,127
Mortgage-backed securities - US Government agencies | Level 3
Assets:
Assets, total	0	0
Corporate bonds
Assets:
Assets, total	62,187	34,400
Corporate bonds | Level 1
Assets:
Assets, total	0	0
Corporate bonds | Level 2
Assets:
Assets, total	62,187	34,400
Corporate bonds | Level 3
Assets:
Assets, total	0	0
FHLMC preferred stock
Assets:
Assets, total	36	76
FHLMC preferred stock | Level 1
Assets:
Assets, total	36	76
FHLMC preferred stock | Level 2
Assets:
Assets, total	0	0
FHLMC preferred stock | Level 3
Assets:
Assets, total	0	0
Interest rate swap contracts
Assets:
Assets, total	800	502
Interest rate swap contracts | Level 1
Assets:
Assets, total	0	0
Interest rate swap contracts | Level 2
Assets:
Assets, total	800	502
Interest rate swap contracts | Level 3
Assets:
Assets, total	$ 0	$ 0

FAIR VALUE MEASUREMENT - Change

FAIR VALUE MEASUREMENT - Changes in level 3 assets measured at fair value (Details 1) - Fair Value, Measurements, Nonrecurring - Fair Value - USD ($) $ in Thousands	Mar. 31, 2018	Sep. 30, 2017
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	$ 22,506	$ 19,665
Real estate owned	85	192
Total	22,591	19,857
Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	0	0
Real estate owned	0	0
Total	0	0
Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	0	0
Real estate owned	0	0
Total	0	0
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	22,506	19,665
Real estate owned	85	192
Total	$ 22,591	$ 19,857

FAIR VALUE MEASUREMENT - Valuat

FAIR VALUE MEASUREMENT - Valuation processes used to determine nonrecurring fair value measurements categorized within level 3 (Details 2) - Fair Value, Measurements, Nonrecurring - Fair Value - USD ($) $ in Thousands		6 Months Ended	12 Months Ended
		Mar. 31, 2018	Sep. 30, 2017
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value		$ 22,591	$ 19,857
Level 3
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value		22,591	19,857
Level 3 | Impaired loan | Property Appraisals Valuation Technique
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value		$ 22,506	$ 19,665
Valuation Technique	[1],[2]	Property appraisals	Property appraisals
Unobservable Input	[3]	Management discount for selling costs, property type and market volatility	Management discount for selling costs, property type and market volatility
Level 3 | Impaired loan | Property Appraisals Valuation Technique | Minimum
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Management discount rate		6.00%	6.00%
Level 3 | Impaired loan | Property Appraisals Valuation Technique | Maximum
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Management discount rate		48.00%	57.00%
Level 3 | Impaired loan | Property Appraisals Valuation Technique | Weighted Average
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Management discount rate		10.00%	7.00%
Level 3 | Real estate owned | Property Appraisals Valuation Technique
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value		$ 85	$ 192
Valuation Technique	[1],[2]	Property appraisals	Property appraisals
Unobservable Input	[3]	Management discount for selling costs, property type and market volatility	Management discount for selling costs, property type and market volatility
Management discount rate		10.00%	10.00%
[1]	Fair value is generally determined through independent appraisals of the underlying collateral, which generally includes various Level 3 inputs, which are not identifiable.
[2]	Includes qualitative adjustments by management and estimated liquidation expenses.
[3]	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.

FAIR VALUE MEASUREMENT - Asse72

FAIR VALUE MEASUREMENT - Assets measured at fair value on a non-recurring basis and the adjustments to the carrying value (Details 3) - USD ($) $ in Thousands	Mar. 31, 2018	Sep. 30, 2017	Mar. 31, 2017	Sep. 30, 2016
Assets:
Cash and cash equivalents	$ 18,108	$ 27,903	$ 13,058	$ 12,440
Certificates of deposit	1,604	1,604
Investment and mortgage-backed securities available for sale	219,103	178,402
Investment and mortgage-backed securities held to maturity	63,026	61,284
Loans receivable, net	584,380	571,343
Accrued interest receivable	3,439	2,825
Federal Home Loan Bank stock	6,759	6,002
Bank owned life insurance	28,370	28,048
Interest rate swap contracts	800	502
Liabilities:
Checking accounts	64,921	63,642
Money market deposit accounts	65,645	76,272
Passbook, club and statement savings accounts	101,027	101,743
Certificates of deposit	443,109	394,325
Advances from FHLB short-term	20,000	20,000
Advances from FHLB long-term	106,355	94,318
Accrued interest payable	1,328	1,933
Advances from borrowers for taxes and insurance	2,490	2,207
Fair Value
Assets:
Cash and cash equivalents	18,108	27,903
Certificates of deposit	1,604	1,604
Investment and mortgage-backed securities available for sale	219,103	178,402
Investment and mortgage-backed securities held to maturity	60,137	60,179
Loans receivable, net	581,704	575,876
Accrued interest receivable	3,439	2,825
Federal Home Loan Bank stock	6,759	6,002
Bank owned life insurance	28,370	28,048
Interest rate swap contracts	800	502
Liabilities:
Checking accounts	64,921	63,642
Money market deposit accounts	65,645	76,272
Passbook, club and statement savings accounts	101,027	101,743
Certificates of deposit	447,383	398,078
Advances from FHLB short-term	20,000	20,000
Advances from FHLB long-term	104,757	93,579
Accrued interest payable	1,328	1,933
Advances from borrowers for taxes and insurance	2,490	2,207
Level 1 | Fair Value
Assets:
Cash and cash equivalents	18,108	27,903
Certificates of deposit	1,604	1,604
Investment and mortgage-backed securities available for sale	36	76
Investment and mortgage-backed securities held to maturity	0	0
Loans receivable, net	0	0
Accrued interest receivable	3,439	2,825
Federal Home Loan Bank stock	6,759	6,002
Bank owned life insurance	28,370	28,048
Interest rate swap contracts	0	0
Liabilities:
Checking accounts	64,921	63,642
Money market deposit accounts	65,645	76,272
Passbook, club and statement savings accounts	101,027	101,743
Certificates of deposit	0	0
Advances from FHLB short-term	20,000	20,000
Advances from FHLB long-term	0	0
Accrued interest payable	1,328	1,933
Advances from borrowers for taxes and insurance	2,490	2,207
Level 2 | Fair Value
Assets:
Cash and cash equivalents	0	0
Certificates of deposit	0	0
Investment and mortgage-backed securities available for sale	219,067	178,326
Investment and mortgage-backed securities held to maturity	60,137	60,179
Loans receivable, net	0	0
Accrued interest receivable	0	0
Federal Home Loan Bank stock	0	0
Bank owned life insurance	0	0
Interest rate swap contracts	800	502
Liabilities:
Checking accounts	0	0
Money market deposit accounts	0	0
Passbook, club and statement savings accounts	0	0
Certificates of deposit	0	0
Advances from FHLB short-term	0	0
Advances from FHLB long-term	0	0
Accrued interest payable	0	0
Advances from borrowers for taxes and insurance	0	0
Level 3 | Fair Value
Assets:
Cash and cash equivalents	0	0
Certificates of deposit	0	0
Investment and mortgage-backed securities available for sale	0	0
Investment and mortgage-backed securities held to maturity	0	0
Loans receivable, net	581,704	575,876
Accrued interest receivable	0	0
Federal Home Loan Bank stock	0	0
Bank owned life insurance	0	0
Interest rate swap contracts	0	0
Liabilities:
Checking accounts	0	0
Money market deposit accounts	0	0
Passbook, club and statement savings accounts	0	0
Certificates of deposit	447,383	398,078
Advances from FHLB short-term		0
Advances from FHLB long-term	104,757	93,579
Accrued interest payable	0	0
Advances from borrowers for taxes and insurance	$ 0	$ 0

FAIR VALUE MEASUREMENT (Detail

FAIR VALUE MEASUREMENT (Detail Textuals) $ in Millions	Mar. 31, 2018USD ($)
Financing Receivable, Impaired [Line Items]
Collateral dependent impaired loans, fair value	$ 22.5

GOODWILL AND OTHER INTANGIBLE74

GOODWILL AND OTHER INTANGIBLE ASSETS - Related to acquisition of Polonia Bancorp (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2018	Mar. 31, 2017	Mar. 31, 2018	Mar. 31, 2017
Goodwill [Roll Forward]
Balance, Goodwill			$ 6,102
Additions/Adjustments			0
Balance, Goodwill	$ 6,102		6,102
Finite-lived Intangible Assets [Roll Forward]
Balance	639		639
Intangible Assets Net Including Goodwill [Roll Forward]
Balance, Total			6,812
Additions/Adjustments			0
Amortization	(34)	$ (37)	(71)	$ (37)
Balance, Total	6,741		6,741
Core deposit intangible
Finite-lived Intangible Assets [Roll Forward]
Balance			710
Additions/Adjustments			0
Amortization			(71)
Balance	$ 639		$ 639
Amortization Period			10 years

GOODWILL AND OTHER INTANGIBLE75

GOODWILL AND OTHER INTANGIBLE ASSETS - Future fiscal periods amortization expense (Details 1) $ in Thousands	Mar. 31, 2018USD ($)
Goodwill and Intangible Assets Disclosure [Abstract]
2,018	$ 67
2,019	123
2,020	108
2,021	93
2,022	78
Thereafter	170
Total	$ 639