Prudential Bancorp (PBIP) 10-Q 11 May 15 2015 Q2 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information	6 Months Ended
	Mar. 31, 2015	Apr. 30, 2015
Document and Entity Information [Abstract]
Entity Registrant Name	PRUDENTIAL BANCORP, INC.
Entity Central Index Key	1578776
Trading Symbol	pbip
Current Fiscal Year End Date	-21
Entity Filer Category	Accelerated Filer
Entity Common Stock Shares Outstanding		9,230,195
Document Type	10-Q
Document Period End Date	31-Mar-15
Amendment Flag	FALSE
Document Fiscal Year Focus	2015
Document Fiscal Period Focus	Q2

UNAUDITED_CONSOLIDATED_STATEME

UNAUDITED CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (USD $)	Mar. 31, 2015	Sep. 30, 2014
In Thousands, unless otherwise specified
ASSETS
Cash and amounts due from depository institutions	$1,815	$2,025
Interest-bearing deposits	25,607	43,357
Total cash and cash equivalents	27,422	45,382
Investment and mortgage-backed securities available for sale (amortized cost-March 31, 2015, $70,919; September 30, 2014, $59,262)	71,072	57,817
Investment and mortgage-backed securities held to maturity (fair value-March 31, 2015, $74,289; September 30, 2014, $79,092)	73,603	80,840
Loans receivable-net of allowance for loan losses (March 31, 2015, $2,588; September 30, 2014, $2,425)	327,855	321,063
Accrued interest receivable	1,779	1,748
Real estate owned		360
Federal Home Loan Bank stock-at cost	350	1,221
Office properties and equipment-net	1,349	1,331
Bank owned life insurance	12,554	12,377
Prepaid expenses and other assets	1,501	2,213
Deferred tax asset-net	786	1,131
TOTAL ASSETS	518,271	525,483
Deposits:
Noninterest-bearing	2,465	2,327
Interest-bearing	383,010	388,698
Total deposits	385,475	391,025
Advances from Federal Home Loan Bank	130	340
Accrued interest payable	507	1,486
Advances from borrowers for taxes and insurance	1,625	1,240
Accounts payable and accrued expenses	1,738	1,967
Total liabilities	389,475	396,058
STOCKHOLDERS' EQUITY:
Preferred stock, $.01 par value, 10,000,000 shares authorized, none issued
Common stock, $.01 par value, 40,000,000 shares authorized; 9,544,809 issued and 9,235,195 outstanding at March 31, 2015 and 9,544,809 issued and outstanding at September 30, 2014	95	95
Additional paid-in capital	94,663	94,397
Unearned Employee Stock Ownership Plan shares	-5,114	-5,302
Treasury stock, at cost: 309,614 shares at March 31, 2015	-3,790
Retained earnings	42,841	41,188
Accumulated other comprehensive income (loss)	101	-953
Total stockholders' equity	128,796	129,425
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$518,271	$525,483

UNAUDITED_CONSOLIDATED_STATEME1

UNAUDITED CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Parentheticals) (USD $)	Mar. 31, 2015	Sep. 30, 2014
In Thousands, except Share data, unless otherwise specified
Statement Of Financial Position [Abstract]
Investment and mortgage-backed securities available for sale, amortized cost (in dollars)	$70,919	$59,262
Investment and mortgage-backed securities held to maturity, fair value (in dollars)	74,289	79,092
Allowance for loan losses on loans receivable (in dollars)	$2,588	$2,425
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
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	9,544,809	9,544,809
Common stock, shares outstanding	9,235,195	9,544,809
Treasury stock, shares	309,614

UNAUDITED_CONSOLIDATED_STATEME2

UNAUDITED CONSOLIDATED STATEMENTS OF OPERATIONS (USD $)	3 Months Ended		6 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2015	Mar. 31, 2014
INTEREST INCOME:
Interest on loans	$3,287	$3,166	$6,544	$6,305
Interest on mortgage-backed securities	450	347	866	676
Interest and dividends on investments	552	539	1,100	1,086
Interest on interest-bearing assets	15	33	34	87
Total interest income	4,304	4,085	8,544	8,154
INTEREST EXPENSE:
Interest on deposits	871	852	1,772	1,757
Total interest expense	871	852	1,772	1,757
NET INTEREST INCOME	3,433	3,233	6,772	6,397
PROVISION FOR LOAN LOSSES	300		375
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	3,133	3,233	6,397	6,397
NON-INTEREST INCOME:
Fees and other service charges	95	86	196	186
Gain on sale of loans, net			138
Gain on sale of real estate, net	1,793		1,793
Gain on sale of securities available for sale, net		274		274
Total other-than-temporary impairment losses		-8		-15
Portion of loss recognized in other comprehensive income, before taxes
Net impairment losses recognized in earnings		-8		-15
Income from bank owned life insurance	87	46	177	94
Other	13	15	34	35
Total non-interest income	1,988	413	2,338	574
NON-INTEREST EXPENSE:
Salaries and employee benefits	1,960	1,619	3,625	3,169
Data processing	106	113	212	220
Professional services	344	286	620	523
Office occupancy	188	150	335	243
Depreciation	79	81	155	163
Payroll taxes	131	131	215	208
Director compensation	82	86	168	171
Deposit insurance	68	49	136	148
Real estate owned expense	4	29	29	64
Advertising	73	59	103	144
Other	476	351	839	704
Total non-interest expense	3,511	2,954	6,437	5,757
INCOME BEFORE INCOME TAXES	1,610	692	2,298	1,214
INCOME TAXES:
Current expense	113	23	325	175
Deferred (benefit) expense	-204	134	-199	166
Total income tax (benefit) expense	-91	157	126	341
NET INCOME	$1,701	$535	$2,172	$873
BASIC EARNINGS PER SHARE (in dollars per share)	$0.20	$0.06	$0.25	$0.10
DILUTED EARNINGS PER SHARE (in dollars per share)	$0.18	$0.06	$0.22	$0.09
DIVIDENDS PER SHARE (in dollars per share)	$0.03	$0	$0.06	$0

UNAUDITED_CONSOLIDATED_STATEME3

UNAUDITED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (USD $)	3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2015	Mar. 31, 2014
Statement Of Other Comprehensive Income [Abstract]
Net income	$1,701	$535	$2,172	$873
Unrealized holding gains on available-for-sale securities	861	836	1,597	300
Tax effect	-293	-284	-543	-102
Reclassification adjustment for net gains realized in net income		-274		-274
Tax effect		93		93
Reclassification adjustment for other-than-temporary impairment losses on debt securities		8		15
Tax effect		-3		-5
Total other comprehensive income	568	376	1,054	27
Comprehensive Income	$2,269	$911	$3,226	$900

UNAUDITED_CONSOLIDATED_STATEME4

UNAUDITED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (USD $)	Common Stock	Additional Paid-In Capital	Unearned ESOP Shares	Treasury Stock	Retained Earnings	Accumulated Other Comprehensive Income (loss)	Total
In Thousands, unless otherwise specified
BALANCE at Sep. 30, 2013	$118	$55,297	($2,565)	($31,625)	$39,979	($1,292)	$59,912
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income					873		873
Other comprehensive income						27	27
Second-step conversion offering	-23	38,725		31,625			70,327
Excess tax benefit from stock compensation plans		59					59
Stock option expense		95					95
Restricted stock expense		93					93
Purchase of ESOP shares (285,664 shares)			-3,089				-3,089
ESOP shares committed to be released (17,756 shares at March 31, 2015 and 2014, respectively)		2	163				165
BALANCE at Mar. 31, 2014	95	94,271	-5,491		40,852	-1,265	128,462
BALANCE at Sep. 30, 2014	95	94,397	-5,302		41,188	-953	129,425
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income					2,172		2,172
Other comprehensive income						1,054	1,054
Dividends paid ($0.06 per share)					-519		-519
Excess tax benefit from stock compensation plans		48					48
Purchase of treasury stock (309,614 shares)				-3,790			-3,790
Stock option expense		99					99
Restricted stock expense		69					69
ESOP shares committed to be released (17,756 shares at March 31, 2015 and 2014, respectively)		50	188				238
BALANCE at Mar. 31, 2015	$95	$94,663	($5,114)	($3,790)	$42,841	$101	$128,796

UNAUDITED_CONSOLIDATED_STATEME5

UNAUDITED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parentheticals) (USD $)	6 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Statement Of Stockholders Equity [Abstract]
Dividends Paid (in dollars per share)	$0.06
Purchase of treasury stock, shares	309,614
Purchase of ESOP shares		285,664
ESOP shares committed to be released	17,756	17,756

UNAUDITED_CONSOLIDATED_STATEME6

UNAUDITED CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	6 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
OPERATING ACTIVITIES:
Net income	$2,172	$873
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	155	163
Net accretion of premiums/discounts	-129	-144
Provision for loan losses	375
Net amortization of deferred loan fees and costs	129	109
Impairment charge on investment and mortgage-backed securities		15
Share-based compensation expense	168	188
Gain from sale of investment and mortgage-backed securities		-274
Income from bank owned life insurance	-177	-94
Gain from sale of loans	-138
Originations of loans held for sale	-2,400
Proceeds from sale of loans held for sale	2,538
Gain from sale of real estate	-1,793
Compensation expense of ESOP	238	165
Deferred income tax (benefit) expense	-199	166
Changes in assets and liabilities which used cash:
Accrued interest receivable	-31	19
Prepaid expenses and other assets	712	960
Accrued interest payable	-979	-1,104
Accounts payable and accrued expenses	-229	-656
Net cash provided by operating activities	412	383
INVESTING ACTIVITIES:
Purchase of investment and mortgage-backed securities held to maturity		-7,000
Purchase of investment and mortgage-backed securities available for sale	-13,751	-8,410
Loans originated or acquired	-45,444	-35,654
Principal collected on loans	38,148	23,417
Principal payments received on investment and mortgage-backed securities:
Held-to-maturity	7,265	8,452
Available-for-sale	2,195	1,923
Proceeds from redemption of FHLB stock	871
Proceeds from sale of investments and mortgage-backed securities		1,321
Proceeds from sale of real estate owned	360
Proceeds from sale of real estate	1,849
Purchases of equipment	-229	-63
Net cash used in investing activities	-8,736	-16,014
FINANCING ACTIVITIES:
Net decrease in demand deposits, NOW accounts, and savings accounts	-2,457	-1,762
Redemption of funds held in escrow relating to second-step conversion		-145,675
Net decrease in certificates of deposit	-3,093	-11,841
Increase (decrease) in advances from borrowers for taxes and insurance	385	-20
Repayment of advance from the FHLB	-210
Cash dividends paid	-519
Issuance of common stock relating to second-step conversion		38,702
Cancelation of treasury stock		31,625
Purchase of stock for ESOP		-3,089
Purchase of treasury stock	-3,790
Excess tax benefit related to stock compensation plans	48	59
Net cash used in financing activities	-9,636	-92,001
NET DECREASE IN CASH AND CASH EQUIVALENTS	-17,960	-107,632
CASH AND CASH EQUIVALENTS-Beginning of period	45,382	158,984
CASH AND CASH EQUIVALENTS-End of period	27,422	51,352
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:
Interest paid on deposits and advances from Federal Home Loan Bank	2,751	2,861
Income taxes paid	475
SUPPLEMENTAL DISCLOSURES OF NONCASH ITEMS:
Real estate acquired in settlement of loans		$83

SIGNIFICANT_ACCOUNTING_POLICIE

SIGNIFICANT ACCOUNTING POLICIES	6 Months Ended
	Mar. 31, 2015
Accounting Policies [Abstract]
SIGNIFICANT ACCOUNTING POLICIES	1	SIGNIFICANT ACCOUNTING POLICIES
	Organization –On October 9, 2013, Prudential Mutual Holding Company (“MHC”) and Prudential Bancorp of Pennsylvania, Inc. (“Old Prudential”), the Pennsylvania-chartered mid-tier holding company for Prudential Savings Bank (the “Bank”), completed a reorganization and conversion (the  “second-step conversion”), pursuant to which Prudential Bancorp, Inc., a new Pennsylvania corporation (“Prudential” or the “Company”), became the holding company for the Bank and the MHC and Old Prudential ceased to exist. In connection with the second-step conversion, 7,141,602 shares of common stock, par value $0.01 per share, of Prudential were sold in a subscription offering to certain depositors of the Bank for $10 per share or $71.4 million in the aggregate (the “Offering”), and 2,403,207 shares of common stock were issued in exchange for the outstanding shares of common stock of Old Prudential, which were held by the “public” shareholders of Old Prudential.  Each share of common stock of Old Prudential was converted into right to receive 0.9442 shares of common stock of the Company in the second-step conversion.  As a result of the second-step conversion, the former MHC and Old Prudential were merged into the Company and 2,540,255 (pre-conversion) treasury shares were cancelled.
	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 and six full-service branch offices.  Five of the banking offices are located in Philadelphia (Philadelphia County), and one is in Drexel Hill, Delaware County, Pennsylvania and the remaining branch is located in Chalfont, Bucks County, Pennsylvania.  The Bank maintains ATMs at all seven 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, Prudential is subject to the regulation of the Board of Governors of the Federal Reserve System.
	Basis of presentation –The accompanying unaudited consolidated financial statements were prepared pursuant to the rules and regulations of the U. S. Securities and Exchange Commission (“SEC”) for interim information and therefore do not include all the information or footnotes necessary for a complete presentation of financial condition, results of operations, comprehensive income, changes in equity and cash flows in conformity with accounting principles generally accepted in the United States of America (“GAAP”).  However, all normal recurring adjustments that, in the opinion of management, are necessary for a fair presentation of the financial statements have been included.  The results for the three and six months ended March 31, 2015 are not necessarily indicative of the results that may be expected for the fiscal year ending September 30, 2015, or any other period. These financial statements should be read in conjunction with the audited consolidated financial statements of Prudential Bancorp, Inc. and the accompanying notes thereto included in the Company’s Annual Report on Form 10-K/A for the fiscal year ended September 30, 2014.
	Use of Estimates in the Preparation of Financial Statements—The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and the disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of income and expenses during the reporting period. The most significant estimates and assumptions in the Company’s consolidated financial statements are recorded in the allowance for loan losses, deferred income taxes, other-than-temporary impairment, and the fair value measurement for financial instruments. Actual results could differ from those estimates.
	Share-Based Compensation – The Company accounts for stock-based compensation issued to employees, and where appropriate, non-employees, at fair value.  Under fair value provisions, stock-based compensation cost is measured at the grant date based on the fair value of the award and is recognized as expense over the appropriate vesting period using the straight-line method.  The amount of stock-based compensation recognized at any date must at least equal the portion of the grant date fair value of the award that is vested at that date and as a result it may be necessary to recognize the expense using a ratable method.  Determining the fair value of stock-based awards at the date of grant requires judgment, including estimating the expected term of the stock options and the expected volatility of the Company’s stock. In addition, judgment is required in estimating the amount of stock-based awards that are expected to be forfeited. If actual results differ significantly from these estimates or different key assumptions were used, it could have a material effect on the Company’s consolidated financial statements.
	Dividends with respect to non-vested share awards granted pursuant to the Company’s 2008 Recognition and Retention Plan (“Plan”) and held in the Trust (the “Trust”) are held for the benefit of the recipients and are paid out proportionately by the Trust to the recipients of stock awards granted pursuant to the Plan as soon as practicable after the stock awards are earned.  A recipient of a share award granted under the 2014 Stock Incentive Plan will  not be entitled to receive any dividends declared on the common stock subject to the award until earned.
	Treasury Stock – Stock held in treasury by the Company is accounted for using the cost method, which treats stock held in treasury as a reduction to total stockholders’ equity. During the six month period ended March 31, 2015, the Company repurchased 309,614 shares at an approximate total cost of $3.8 million.
	FHLB Stock – FHLB stock is classified as a restricted equity security because ownership is restricted and there is not an established market for its resale.  FHLB stock is carried at cost and is evaluated for impairment when certain conditions warrant further consideration. Management concluded that the FHLB stock was not impaired at March 31, 2015.
	Recent Accounting Pronouncements
	In January 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU” or “Update”) 2014-01, Investments – Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Qualified Affordable Housing Projects.  The amendments in this Update permit reporting entities to make an accounting policy election to account for their investments in qualified affordable housing projects using the proportional amortization method if certain conditions are met. Under the proportional amortization method, an entity amortizes the initial cost of the investment in proportion to the tax credits and other tax benefits received and recognizes the net investment performance in the income statement as a component of income tax expense (benefit).  The amendments in this Update should be applied retrospectively to all periods presented. A reporting entity that uses the effective yield method to account for its investments in qualified affordable housing projects before the date of adoption may continue to apply the effective yield method for those preexisting investments. The amendments in this Update are effective for public business entities for annual periods and interim reporting periods within those annual periods, beginning after December 15, 2014.  Early adoption is permitted. This ASU did not have a significant impact on the Company’s financial statements.
	In January 2014, the FASB issued ASU 2014-04, Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40): Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure. The amendments in this Update clarify that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to requirements of the applicable jurisdiction. The amendments in this Update are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. An entity can elect to adopt the amendments in this Update using either a modified retrospective transition method or a prospective transition method. This ASU did not have a significant impact on the Company’s financial statements.
	In May 2014, the FASB issued ASU 2014-09, Revenue from Contracts with Customers (a new revenue recognition standard). The Update’s core principle is that a company will recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. In addition, this update specifies the accounting for certain costs to obtain or fulfill a contract with a customer and expands disclosure requirements for revenue recognition. This Update is effective for annual reporting periods beginning after December 15, 2016, including interim periods within that reporting period. This ASU is not expected to have a significant impact on the Company’s financial statements.
	In June 2014, the FASB issued ASU 2014-11, Transfers and Servicing (Topic 860): Repurchase-to-Maturity Transactions, Repurchase Financings, and Disclosures.  The amendments in this Update change the accounting for repurchase-to-maturity transactions to secured borrowing accounting.  For repurchase financing arrangements, the amendments require separate accounting for a transfer of a financial asset executed contemporaneously with a repurchase agreement with the same counterparty, which will result in secured borrowing accounting for the repurchase agreement.  The amendments also require enhanced disclosures.  The accounting changes in this Update are effective for the first interim or annual period beginning after December 15, 2014.  An entity is required to present changes in accounting for transactions outstanding on the effective date as a cumulative-effect adjustment to retained earnings as of the beginning of the period of adoption. Earlier application is prohibited.  The disclosure for certain transactions accounted for as a sale is required to be presented for interim and annual periods beginning after December 15, 2014, and the disclosure for repurchase agreements, securities lending transactions, and repurchase-to-maturity transactions accounted for as secured borrowings is required to be presented for annual periods beginning after December 15, 2014, and for interim periods beginning after March 15, 2015. The disclosures are not required to be presented for comparative periods before the effective date.  This ASU did not have a significant impact on the Company’s financial statements.
	In June 2014, the FASB issued ASU 2014-12, Compensation-Stock Compensation (Topic 718): Accounting for Share-Based Payments when the Terms of an Award Provide that a Performance Target Could Be Achieved After the Requisite Service Period.  The amendments require that a performance target that affects vesting and that could be achieved after the requisite service period be treated as a performance condition. The amendments in this Update are effective for annual periods and interim periods within those annual periods beginning after December 15, 2015. Earlier adoption is permitted. Entities may apply the amendments in this Update either (a) prospectively to all awards granted or modified after the effective date or (b) retrospectively to all awards with performance targets that are outstanding as of the beginning of the earliest annual period presented in the financial statements and to all new or modified awards thereafter. If retrospective transition is adopted, the cumulative effect of applying this Update as of the beginning of the earliest annual period presented in the financial statements should be recognized as an adjustment to the opening retained earnings balance at that date. Additionally, if retrospective transition is adopted, an entity may use hindsight in measuring and recognizing the compensation cost.  This ASU is not expected to have a significant impact on the Company’s financial statements.
	In August 2014, the FASB issued ASU 2014-14, Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40).  The amendments in this Update require that a mortgage loan be derecognized and that a separate other receivable be recognized upon foreclosure if the following conditions are met:  (1) the loan has a government guarantee that is not separable from the loan before foreclosure, (2) at the time of foreclosure, the creditor has the intent to convey the real estate property to the guarantor and make a claim on the guarantee, and the creditor has the ability to recover under that claim, and (3) at the time of foreclosure, any amount of the claim that is determined on the basis of the fair value of the real estate is fixed.  Upon foreclosure, the separate other receivable should be measured based on the amount of the loan balance (principal and interest) expected to be recovered from the guarantor.  The amendments in this Update are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014.  This ASU did not have a significant impact on the Company’s financial statements.
	In August 2014, the FASB issued ASU 2014-15, Presentation of Financial Statements -Going Concern (Subtopic 205-40).  The amendments in this Update provide guidance in accounting principles generally accepted in the United States of America about management’s responsibility to evaluate whether there is substantial doubt about an entity’s ability to continue as a going concern and to provide related footnote disclosures.  The amendments in this Update are first effective for the annual period ending after December 15, 2016, and for annual periods and interim periods within such annual periods thereafter. Early application is permitted.  This ASU is not expected to have a significant impact on the Company’s financial statements.
	In November 2014, the FASB issued ASU 2014-17, Business Combinations (Topic 805): Pushdown Accounting. The amendments in this Update apply to the separate financial statements of an acquired entity and its subsidiaries that are a business or nonprofit activity (either public or nonpublic) upon the occurrence of an event in which an acquirer (an individual or an entity) obtains control of the acquired entity.  An acquired entity may elect the option to apply pushdown accounting in the reporting period in which the change-in-control event occurs. If pushdown accounting is not applied in the reporting period in which the change-in-control event occurs, an acquired entity will have the option to elect to apply pushdown accounting in a subsequent reporting period to the acquired entity’s most recent change-in-control event. The amendments in this Update are effective on November 18, 2014. After the effective date, an acquired entity can make an election to apply the guidance to future change-in-control events or to its most recent change-in-control event. This ASU is not expected to have a significant impact on the Company’s financial statements.
	In January 2015, the FASB issued ASU 2015-01, Income Statement –Extraordinary and Unusual Items, as part of its initiative to reduce complexity in accounting standards.  This Update eliminates from GAAP the concept of extraordinary items.  The amendments in this Update are effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2015. A reporting entity may apply the amendments prospectively. A reporting entity also may apply the amendments retrospectively to all prior periods presented in the financial statements. Early adoption is permitted provided that the guidance is applied from the beginning of the fiscal year of adoption.  This ASU is not expected to have a significant impact on the Company’s financial statements.
	In February 2015, the FASB issued ASU 2015-02, Consolidation (Topic 810). The amendments in this Update affect reporting entities that are required to evaluate whether they should consolidate certain legal entities. All legal entities are subject to reevaluation under the revised consolidation model. Specifically, the amendments (1) modify the evaluation of whether limited partnerships and similar legal entities are variable interest entities (“VIEs”) or voting interest entities; (2) eliminate the presumption that a general partner should consolidate a limited partnership; (3) affect the consolidation analysis of reporting entities that are involved with VIEs, particularly those that have fee arrangements and related party relationships; and (4) provide a scope exception from consolidation guidance for reporting entities with interests in legal entities that are required to comply with or operate in accordance with requirements that are similar to those in Rule 2a-7 of the Investment Company Act of 1940 for registered money market funds.  The amendments in this Update are effective for public business entities for fiscal years, and for interim periods within those fiscal years, beginning after December 15, 2015.  For all other entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2016, and for interim periods within fiscal years beginning after December 15, 2017.  This ASU is not expected to have a significant impact on the Company’s financial statements.
	In April 2015, the FASB issued ASU 2015-03, Interest-Imputation of Interest (Subtopic 835-30), as part of its initiative to reduce complexity in accounting standards.  To simplify presentation of debt issuance costs, the amendments in this Update require that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. The recognition and measurement guidance for debt issuance costs are not affected by the amendments in this Update.  For public business entities, the amendments in this Update are effective for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within those fiscal years.  For all other entities, the amendments in this Update are effective for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within fiscal years beginning after December 15, 2016.  An entity should apply the new guidance on a retrospective basis, wherein the balance sheet of each individual period presented should be adjusted to reflect the period-specific effects of applying the new guidance. This ASU is not expected to have a significant impact on the Company’s financial statements.
	In April 2015, the FASB issued ASU 2015-04, Compensation-Retirement Benefits (Topic 715), as part of its initiative to reduce complexity in accounting standards.  For an entity with a fiscal year-end that does not coincide with a month-end, the amendments in this Update provide a practical expedient that permits the entity to measure defined benefit plan assets and obligations using the month-end that is closest to the entity’s fiscal year-end and apply that practical expedient consistently from year to year. The practical expedient should be applied consistently to all plans if an entity has more than one plan. The amendments in this Update are effective for public business entities for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within those fiscal years. For all other entities, the amendments in this Update are effective for financial statements issued for fiscal years beginning after December 15, 2016, and interim periods within fiscal years beginning after December 15, 2017. Earlier application is permitted. This ASU is not expected to have a significant impact on the Company’s financial statements.
	In April 2015, the FASB issued ASU 2015-05, Intangible – Goodwill and Other Internal Use Software (Topic 350-40), as part of its initiative to reduce complexity in accounting standards. This guidance  will help entities evaluate the accounting for fees paid by a customer in a cloud computing arrangement. The amendments in this Update provide guidance to customers about whether a cloud computing arrangement includes a software license. If a cloud computing arrangement includes a software license, then the customer should account for the software license element of the arrangement consistent with the acquisition of other software licenses. If a cloud computing arrangement does not include a software license, the customer should account for the arrangement as a service contract.  For public business entities, the FASB decided that the amendments will be effective for annual periods, including interim periods within those annual periods, beginning after December 15, 2015. For all other entities, the amendments will be effective for annual periods beginning after December 15, 2015, and interim periods in annual periods beginning after December 15, 2016. Early adoption is permitted for all entities.  This ASU is not expected to have a significant impact on the Company’s financial statements.

EARNINGS_PER_SHARE

EARNINGS PER SHARE	6 Months Ended
	Mar. 31, 2015
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 shareholders by the weighted average number of shares of common stock outstanding, net of any treasury shares, during the period.  Diluted earnings per share is calculated by dividing net income available to common shareholders 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,
			2015				2014
			Basic		Diluted		Basic		Diluted
			(Dollars in Thousands, Except Per Share Data)
	Net income		$	1,701	$	1,701	$	535	$	535
	Weighted average shares outstanding			8,571,846		8,571,846		9,066,150		9,066,150
	Effect of dilutive common stock equivalents			-		1,103,728		-		206,655
	Adjusted weighted average shares used in earnings per share computation			8,571,846		9,675,574		9,066,150		9,272,805
	Earnings per share - basic and diluted		$	0.2	$	0.18	$	0.06	$	0.06
			Six Months Ended March 31,
			2015				2014
			Basic		Diluted		Basic		Diluted
			(Dollars in Thousands, Except Per Share Data)
	Net income		$	2,172	$	2,172	$	873	$	873
	Weighted average shares outstanding			8,712,938		8,712,938		9,146,193		9,146,193
	Effect of dilutive common stock equivalents			-		1,163,172		-		204,776
	Adjusted weighted average shares used in earnings per share computation			8,712,938		9,876,110		9,146,193		9,350,969
	Earnings per share - basic and diluted		$	0.25	$	0.22	$	0.1	$	0.09
	All options outstanding as of March 31, 2015 had exercise prices below or at the then current market price and were considered dilutive for the earnings per share calculation. As of March 31, 2014 there were 396,361 shares of common stock subject to options with an exercise price greater than the then current market and which were not included in the computation of diluted earnings per share because to do so would have been antidilutive. The exercise price for the stock options representing the anti-dilutive shares ranged from $10.71 to $11.83 at March 31, 2014.

ACCUMULATED_OTHER_COMPREHENSIV

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)	6 Months Ended
	Mar. 31, 2015
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 income (loss) by component, net of tax:
			Three Months Ended March 31,
			2015			2014
			(Dollars in Thousands)
			Unrealized gains (losses)			Unrealized gains (losses)
			on available for sale			on available for sale
			securities (a)			securities (a)
	Beginning Balance		$	(467	)	$	(1,641	)
	Other comprehensive income before reclassification			568			552
	Amount reclassified from accumulated other comprehensive income (loss)			-			(176	)
	Total other comprehensive income			568			376
	Ending Balance		$	101		$	(1,265	)
	(a) All amounts are net of tax.  Amounts in parentheses indicate debits.
			Six Months Ended March 31,
				2015			2014
			(Dollars in Thousands)
			Unrealized gains (losses)			Unrealized gains (losses)
			on available for sale			on available for sale
			securities (a)			securities (a)
	Beginning Balance		$	(953	)	$	(1,292	)
	Other comprehensive income before reclassification			1,054			198
	Amount reclassified from accumulated other comprehensive income (loss)			-			(171	)
	Total other comprehensive income			1,054			27
	Ending Balance		$	101		$	(1,265	)
	(a) All amounts are net of tax.  Amounts in parentheses indicate debits.
	The following table presents significant amounts reclassified out of each component of accumulated other comprehensive income:
			Three Months Ended March 31,
			2015			2014
			Amount Reclassified			Amount Reclassified
			from Accumulated			from Accumulated			Affected Line Item in
			Other			Other			the Statement Where
			Comprehensive			Comprehensive			Net Income is
	Details about other comprehensive income		Income (a)			Income (a)			Presented
			(Dollars in Thousands)
	Unrealized gains on available for sale securities		$	-		$	274		Gain on sale of securities available for sale
				-			(93	)	Income taxes
				-			(8	)	Net impairment losses recognized in earnings
				-			3		Income taxes
			$	-		$	176		Net of tax
	(a) Amounts in parentheses indicate debits to net income.
			Six Months Ended March 31,
				2015			2014
			Amount Reclassified			Amount Reclassified
			from Accumulated			from Accumulated			Affected Line Item in
			Other			Other			the Statement Where
			Comprehensive			Comprehensive			Net Income is
	Details about other comprehensive income		Income (a)			Income (a)			Presented
			(Dollars in Thousands)
	Unrealized gains on available for sale securities		$	-		$	274		Gain on sale of securities available for sale
				-			(93	)	Income taxes
				-			(15	)	Net impairment losses recognized in earnings
				-			5		Income taxes
			$	-		$	171		Net of tax
	(a) Amounts in parentheses indicate debits to net income.

INVESTMENT_AND_MORTGAGEBACKED_

INVESTMENT AND MORTGAGE-BACKED SECURITIES	6 Months Ended
	Mar. 31, 2015
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:
			31-Mar-15
						Gross		Gross
			Amortized			Unrealized		Unrealized			Fair
			Cost			Gains		Losses			Value
			(Dollars in Thousands)
	Securities Available for Sale:
	U.S. government and agency obligations		$	18,987		$	-	$	(262	)	$	18,725
	Mortgage-backed securities - U.S. government agencies			51,926			498		(138	)		52,286
	Total debt securities available for sale			70,913			498		(400	)		71,011
	FHLMC preferred stock			6			55		-			61
	Total securities available for sale		$	70,919		$	553	$	(400	)	$	71,072
	Securities Held to Maturity:
	U.S. government and agency obligations		$	60,924		$	559	$	(949	)	$	60,534
	Mortgage-backed securities - U.S. government agencies			12,679			1,079		(3	)		13,755
	Total securities held to maturity		$	73,603		$	1,638	$	(952	)	$	74,289
			30-Sep-14
						Gross		Gross
			Amortized			Unrealized		Unrealized			Fair
			Cost			Gains		Losses			Value
			(Dollars in Thousands)
	Securities Available for Sale:
	U.S. government and agency obligations		$	18,987		$	-	$	(1,143	)	$	17,844
	Mortgage-backed securities - U.S. government agencies			40,269			188		(554	)		39,903
	Total debt securities available for sale			59,256			188		(1,697	)		57,747
	FHLMC preferred stock			6			64		-			70
	Total securities available for sale		$	59,262		$	252	$	(1,697	)	$	57,817
	Securities Held to Maturity:
	U.S. government and agency obligations		$	66,919		$	502	$	(3,270	)	$	64,151
	Mortgage-backed securities - U.S. government agencies			13,921			1,130		(110	)		14,941
	Total securities held to maturity		$	80,840		$	1,632	$	(3,380	)	$	79,092
	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 March 31, 2015:
			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		$	(57	)	$	4,939	$	(205	)	$	13,786	$	(262	)	$	18,725
	Mortgage-backed securities - U.S. government agencies			(82	)		10,885		(56	)		5,943		(138	)		16,828
	Total securities available for sale			(139	)		15,824		(261	)		19,729		(400	)		35,553
	Securities Held to Maturity:
	U.S. government and agency obligations			(4	)		2,496		(945	)		45,507		(949	)		48,003
	Mortgage-backed securities - U.S. government agencies			-			-		(3	)		2,503		(3	)		2,503
	Total securities held to maturity			(4	)		2,496		(948	)		48,010		(952	)		50,506
	Total		$	(143	)	$	18,320	$	(1,209	)	$	67,739	$	(1,352	)	$	86,059
	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, 2014:
			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		$	-		$	-	$	(1,143	)	$	17,843	$	(1,143	)	$	17,843
	Mortgage-backed securities - U.S. government agency			(184	)		16,437		(370	)		13,303		(554	)		29,740
	Total securities available for sale			(184	)		16,437		(1,513	)		31,146		(1,697	)		47,583
	Securities Held to Maturity:
	U.S. government and agency obligations			(73	)		6,408		(3,197	)		49,243		(3,270	)		55,651
	Mortgage-backed securities - U.S. government agency			-			-		(110	)		4,542		(110	)		4,542
	Total securities held to maturity			(73	)		6,408		(3,307	)		53,785		(3,380	)		60,193
	Total		$	(257	)	$	22,845	$	(4,820	)	$	84,931	$	(5,077	)	$	107,776
	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 market 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).
During the three and six months ended March 31, 2015, the Company did not record any credit losses on investment securities through either earnings or in comprehensive income.
The following is a rollforward for the three and six months ended March 31, 2014 of the amounts recognized in earnings related to credit losses on securities on which the Company has recorded OTTI charges through earnings and comprehensive income (loss).
		Three Months Ended
		31-Mar-14
		(Dollars in Thousands)
Credit component of OTTI as of January 1, 2014		$	1,606
Additions for credit-related OTTI charges on previously unimpaired securities			-
Additional increase as a result of impairment charges recognized on investments for which an OTTI charge was previously recognized			8
Credit component of OTTI as of March 31, 2014		$	1,614
		Six Months Ended
		31-Mar-14
		(Dollars in Thousands)
Credit component of OTTI as of October 1, 2013		$	1,599
Additions for credit-related OTTI charges on previously unimpaired securities			-
Additional increase as a result of impairment charges recognized on investments for which an OTTI charge was previously recognized			15
Credit component of OTTI as of March 31, 2014		$	1,614
U.S. Government Agency Obligations - The Company’s investments reflected in the tables above in U.S. Government agency notes consist of debt obligations of the FHLB and Federal Farm Credit System (“FFCS”).  These securities are typically rated AAA by one of the internationally recognized credit rating services.  At March 31, 2015, U.S. Government and agency obligations in a gross unrealized loss for less than 12 months consisted of six securities.   There were 24 securities in a gross unrealized loss for more than 12 months at such date.   The unrealized losses on these debt securities relate principally to the changes in market interest rates and a lack of liquidity currently in the financial markets and are not a result of a projected shortfall of cash flows.   The Company anticipates it will recover the entire amortized cost basis of the securities.  As a result, the Company does not consider these investments to be other-than-temporarily impaired at March 31, 2015.
U.S. Agency Issued Mortgage-Backed Securities - At March 31, 2015, there were 11 securities in a gross unrealized loss for less than 12 months while there were 19 securities in a gross unrealized loss for more than 12 months at such date.   These securities represent asset-backed issues that are issued or guaranteed by a U.S. Government sponsored agency or carry the full faith and credit of the United States through a government agency and are currently rated AAA by at least one bond credit rating agency.
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.
		31-Mar-15
		Held to Maturity					Available for Sale
		Amortized			Fair		Amortized			Fair
		Cost			Value		Cost			Value
		(Dollars in Thousands)
Due within one year		$	-		$	-	$	-		$	-
Due after one through five years			2,982			3,296		-			-
Due after five through ten years			7,500			7,430		4,051			3,999
Due after ten years			63,121			63,563		66,868			67,073
Total		$	73,603		$	74,289	$	70,919		$	71,072
During both the three and six month periods ended March 31, 2015, no securities were sold. During both three and six month periods ended March 31, 2014, the Company sold $1.3 million in investment securities and recorded a gross gain of approximately of $274,000. No securities were sold at a loss.

LOANS_RECEIVABLE

LOANS RECEIVABLE	6 Months Ended
	Mar. 31, 2015
Receivables [Abstract]
LOANS RECEIVABLE	5.	LOANS RECEIVABLE
	Loans receivable consist of the following:
			March 31,				September 30,
			2015				2014
			(Dollars in Thousands)
	One-to-four family residential		$	276,319			$	282,637
	Multi-family residential			5,684				7,174
	Commercial real estate			25,411				16,113
	Construction and land development			43,598				22,397
	Commercial business			-				1,976
	Consumer			371				399
	Total loans			351,383				330,696
	Undisbursed portion of loans-in-process			(23,178	)			(9,657	)
	Deferred loan costs			2,238				2,449
	Allowance for loan losses			(2,588	)			(2,425	)
	Net loans		$	327,855			$	321,063
	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, 2015:
			One- to-four				Multi-family				Commercial real			Construction			Commercial			Consumer		Unallocated			Total
			family				residential				estate			and land			business
			residential											development
			(Dollars in Thousands)
	Allowance for Loan Losses:
	Individually evaluated for impairment		$	-			$	-			$	-		$	-		$	-		$	-	$	-		$	-
	Collectively evaluated for impairment			1,545				51				207			545			-			4		236			2,588
	Total ending allowance balance		$	1,545			$	51			$	207		$	545		$	-		$	4	$	236		$	2,588
	Loans:
	Individually evaluated for impairment		$	9,438			$	359			$	3,752		$	7,926		$	-		$	-				$	21,475
	Collectively evaluated for impairment			266,881				5,325				21,659			35,672			-			371					329,908
	Total loans		$	276,319			$	5,684			$	25,411		$	43,598		$	-		$	371				$	351,383
	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, 2014:
			One- to-four				Multi-family				Commercial real			Construction			Commercial			Consumer		Unallocated			Total
			family				residential				estate			and land			business
			residential											development
			(Dollars in Thousands)
	Allowance for Loan Losses:
	Individually evaluated for impairment		$	-			$	-			$	-		$	-		$	-		$	-	$	-		$	-
	Collectively evaluated for impairment			1,663				67				122			323			15			4		231			2,425
	Total loans		$	1,663			$	67			$	122		$	323		$	15		$	4	$	231		$	2,425
	Loans:
	Individually evaluated for impairment		$	10,436			$	368			$	3,777		$	7,399		$	-		$	-	$	-		$	21,980
	Collectively evaluated for impairment			272,201				6,806				12,336			14,998			1,976			399		-			308,716
	Total loans		$	282,637			$	7,174			$	16,113		$	22,397		$	1,976		$	399	$	-		$	330,696
	The loan portfolio is segmented at a level that allows management to monitor both risk and performance.  Management evaluates for potential impairment all construction loans, commercial real estate and commercial business loans and all loans 90 plus 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 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, segregated by those for which a specific allowance was required and those for which a specific allowance was not required as of March 31, 2015:
											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		$	-			$	-			$	9,438		$	9,438		$	10,136
	Multi-family residential			-				-				359			359			359
	Commercial real estate			-				-				3,752			3,752			3,752
	Construction and land development			-				-				7,926			7,926			7,926
	Total Loans		$	-			$	-			$	21,475		$	21,475		$	22,173
	The following table presents impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not required as of September 30, 2014:
											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		$	-			$	-			$	10,436		$	10,436		$	11,135
Multi-family residential			-				-				368			368			368
Commercial real estate			-				-				3,777			3,777			3,777
Construction and land development			-				-				7,399			7,399			7,399
Total Loans		$	-			$	-			$	21,980		$	21,980		$	22,679
The following table presents the average recorded investment in impaired loans and related interest income recognized for the periods indicated:
		Three Months Ended March 31, 2015
		Average			Income Recognized				Income
		Recorded			on Accrual Basis				Recognized on
		Investment							Cash Basis
		(Dollars in Thousands)
One-to-four family residential		$	10,068			$	124			$	42
Multi-family residential			361				6			-
Commercial real estate			3,758				51				24
Construction and land development			7,743				106				64
Total Loans		$	21,930			$	287			$	130
		Six Months Ended March 31, 2015
		Average				Income Recognized				Income
		Recorded				on Accrual Basis				Recognized on
		Investment								Cash Basis
		(Dollars in Thousands)
One-to-four family residential		$	10,179			$	263			$	77
Multi-family residential			363				13			-
Commercial real estate			3,764				102				35
Construction and land development			7,628				210				64
Total Loans		$	21,934			$	588			$	176
		Three Months Ended March 31, 2014
		Average				Income Recognized				Income
		Recorded				on Accrual Basis				Recognized on
		Investment								Cash Basis
		(Dollars in Thousands)
One-to-four family residential		$	10,926			$	96			$	30
Multi-family residential			378				6			-
Commercial real estate			1,538			-					7
Construction and land development			947			-				-
Total Loans		$	13,789			$	102			$	37
		Six Months Ended March 31, 2014
		Average				Income Recognized				Income
		Recorded				on Accrual Basis				Recognized on
		Investment								Cash Basis
		(Dollars in Thousands)
One-to-four family residential		$	10,869			$	167			$	51
Multi-family residential			380				13			-
Commercial real estate			1,932				10				14
Construction and land development			1,033				36			-
Total Loans		$	14,214			$	226			$	65
Federal regulations and our 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 aforementioned categories but possess weaknesses are required to be designated “special mention.”
The following table presents 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, 2015
							Special						Total
		Pass					Mention			Substandard			Loans
		(Dollars in Thousands)
One-to-four family residential		$	2,770			$	-			$	6,668		$	9,438
Multi-family residential			5,325				-				359			5,684
Commercial real estate			22,543				-				2,868			25,411
Construction and land development			35,673				-				7,925			43,598
Total Loans		$	66,311			$	-			$	17,820		$	84,131
		30-Sep-14
							Special						Total
		Pass					Mention			Substandard			Loans
		(Dollars in Thousands)
One-to-four family residential		$	-			$	1,509			$	10,436		$	11,945
Multi-family residential			6,806				-				368			7,174
Commercial real estate			11,347				989				3,777			16,113
Construction and land development			14,998				-				7,399			22,397
Commercial business			1,976				-			-				1,976
Consumer			-				119			-				119
Total Loans			35,127			$	2,617			$	21,980		$	59,724
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 table represents 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, that do not have a designated risk rating.
		31-Mar-15
						Non-				Total
		Performing				Performing				Loans
		(Dollars in Thousands)
One-to-four family residential		$	266,881			$	-			$	266,881
Consumer			371				-				371
Total Loans		$	267,252			$	-			$	267,252
		30-Sep-14
						Non-				Total
		Performing				Performing				Loans
		(Dollars in Thousands)
One-to-four family residential		$	270,692			$	-			$	270,692
Consumer			280				-				280
Total Loans		$	270,972			$	-			$	270,972
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 and delinquent loans and nonaccrual loans:
		31-Mar-15
													90 Days+			Total
						30-89 Days				90 Days +			Past Due			Past Due			Total		Non-
		Current				Past Due				Past Due			and Accruing			and Accruing			Loans		Accrual
		(Dollars in Thousands)
One-to-four family residential		$	271,755			$	733			$	3,831		$	-		$	733		$	276,319	$	5,362
Multi-family residential			5,684				-				-			-			-			5,684		-
Commercial real estate			25,342				69				-			-			69			25,411		2,299
Construction and land development			43,598				-				-			-			-			43,598		7,926
Consumer			371				-				-			-			-			371		-
Total Loans		$	346,750			$	802			$	3,831		$	-		$	802		$	351,383	$	15,587
		30-Sep-14
													90 Days+			Total
						30-89 Days				90 Days +			Past Due			Past Due			Total		Non-
		Current				Past Due				Past Due			and Accruing			and Accruing			Loans		Accrual
		(Dollars in Thousands)
One-to-four family residential		$	278,716			$	475			$	3,446		$	-		$	475		$	282,637	$	5,002
Multi-family residential			7,174				-				-			-			-			7,174		-
Commercial real estate			16,113				-				-			-			-			16,113		877
Construction and land development			22,397				-				-			-			-			22,397		-
Commercial business			1,976				-				-			-			-			1,976		-
Consumer			399				-				-			-			-			399		-
Total Loans		$	326,775			$	475			$	3,446		$	-		$	475		$	330,696	$	5,879
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 one-to-four family residential mortgage loans, as they generally involve large loan balances concentrated with single borrowers 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 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 both the borrowers as well as the value of the collateral property.
The following table summarizes the primary segments of the allowance for loan losses.   Activity in the allowance is presented for the three and six month periods ended March 31, 2015 and 2014:
		Three Months Ended March 31, 2015
		One- to				Multi-				Commercial			Construction			Commercial			Consumer		Unallocated			Total
		four-family				family				real estate			and land			business
		residential				residential							development
		(Dollars in Thousands)
ALLL balance at December 31, 2014		$	1,492			$	51			$	216		$	493		$	5		$	4	$	239		$	2,500
Charge-offs			(212	)			-				-			-			-			-		-			(212	)
Recoveries			-				-				-			-			-			-		-			-
Provision			265				-				(9	)		52			(5	)		-		(3	)		300
ALLL balance at March 31, 2015		$	1,545			$	51			$	207		$	545		$	-		$	4	$	236		$	2,588
		Six Months Ended March 31, 2015
		One- to				Multi-				Commercial			Construction			Commercial			Consumer		Unallocated			Total
		four-family				family				real estate			and land			business
		residential				residential							development
		(Dollars in Thousands)
ALLL balance at September 30, 2014		$	1,663			$	67			$	122		$	323		$	15		$	4	$	231		$	2,425
Charge-offs			(212	)			-				-			-			-			-		-			(212	)
Recoveries			-				-				-			-			-			-		-			-
Provision			94				(16	)			85			222			(15	)		-		5			375
ALLL balance at March 31, 2015		$	1,545			$	51			$	207		$	545		$	-		$	4	$	236		$	2,588
The increase in the provision for the fiscal 2015 periods was a result of replenishing the allowance related to one-to-four family loans that were charged-off during the period based upon the balance of such loans at March 31, 2015.  In addition, the allowance associated with construction and land development loans was impacted by the increase in the outstanding balance of such loans triggering the need to increase the Company’s allowance.
		Three Months Ended March 31, 2014
		One- to				Multi-				Commercial			Construction			Commercial			Consumer		Unallocated			Total
		four-family				family				real estate			and land			business
		residential				residential							development
		(Dollars in Thousands)
ALLL balance at December 31, 2013		$	1,302			$	26			$	51		$	757		$	4		$	1	$	212		$	2,353
Charge-offs			-				-				-			-			-			-		-			-
Recoveries			37				-				-			-			-			-		-			37
Provision			86				38				90			(234	)		-			2		18			-
ALLL balance at March 31, 2014		$	1,425			$	64			$	141		$	523		$	4		$	3	$	230		$	2,390
		Six Months Ended March 31, 2014
		One- to				Multi-				Commercial			Construction			Commercial			Consumer		Unallocated			Total
		four-family				family				real estate			and land			business
		residential				residential							development
		(Dollars in Thousands)
ALLL balance at September 30, 2013		$	1,384			$	22			$	70		$	653		$	4		$	2	$	218		$	2,353
Charge-offs			(10	)			-				-			-			-			-		-			(10	)
Recoveries			47				-				-			-			-			-		-			47
Provision			4				42				71			(130	)		-			1		12			-
ALLL balance at March 31, 2014		$	1,425			$	64			$	141		$	523		$	4		$	3	$	230		$	2,390
The decrease in the provision for the fiscal 2014 periods related to the construction and land development loan category was due mainly to a decrease in the historical loss factor.  This decrease was a direct result of prior period charge-offs that fell beyond the three year period utilized for this component of the allowance for loan losses.
The following table summarizes information regarding troubled debt restructurings occurring in the periods presented for both three and six months ended March 31, 2015 and 2014:
		Three Months Ended March 31, 2015
(Dollars in Thousands)		Number of				Pre- Modification				Post-
		Loans				Outstanding				Modification
						Recorded				Outstanding
						Investment				Recorded
										Investment
Commercial real estate			1			$	750			$	750
Construction and land development			1				3,665				3,665
			2			$	4,415			$	4,415
		Six Months Ended March 31, 2015
(Dollars in Thousands)		Number of				Pre- Modification				Post-
		Loans				Outstanding				Modification
						Recorded				Outstanding
						Investment				Recorded
										Investment
Commercial real estate			1			$	750			$	750
Construction and land development			1				3,665				3,665
			2			$	4,415			$	4,415
		Three Months Ended March 31, 2014
(Dollars in Thousands)		Number of				Pre- Modification				Post-
		Loans				Outstanding				Modification
						Recorded				Outstanding
						Investment				Recorded
										Investment
One-to-four family			1			$	1,468			$	1,468
			1			$	1,468			$	1,468
		Six Months Ended March 31, 2014
(Dollars in Thousands)		Number of				Pre- Modification				Post-
		Loans				Outstanding				Modification
						Recorded				Outstanding
						Investment				Recorded
										Investment
One-to-four family			1			$	1,468			$	1,468
			1			$	1,468			$	1,468
At March 31, 2015, the Company had ten loans classified as TDRs aggregating $8.2 million, consisting two single-family real estate loans which amounted to $1.6 million, one construction and land development loan totaling $3.7 million and seven commercial real estate loans which amounted to $3.0 million.  Of these loans, one single-family real estate loan totaling $1.4 million, two commercial real estate loans totaling $4.5 million and one construction and land development loan totaling $3.1 million were determined to be non-performing since they have not yet performed under the new terms for six consecutive months.  All TDRs with the exception of one commercial real estate loan totaling $884,000 were classified as “substandard” as of March 31, 2015.
No TDRs defaulted during the three and six month periods ended March 31, 2015 or 2014 that were restructured in the twelve months preceding the periods presented.

DEPOSITS

DEPOSITS	6 Months Ended
	Mar. 31, 2015
Deposits [Abstract]
DEPOSITS	6.        DEPOSITS
	Deposits consist of the following major classifications:
		March 31,					September 30,
		2015					2014
		Amount		Percent			Amount		Percent
				(Dollars in Thousands)
	Money market deposit accounts	$	64,304		16.7	%	$	64,665		16.5	%
	Interest-bearing checking accounts		36,504		9.5			38,119		9.8
	Non interest-bearing checking accounts		2,465		0.6			2,327		0.6
	Passbook, club and statement savings		72,655		18.8			73,275		18.8
	Certificates maturing in six months or less		53,190		13.8			48,359		12.4
	Certificates maturing in more than six months		156,357		40.6			164,280		41.9
	Total	$	385,475		100	%	$	391,025		100	%
	Certificates of $250,000 and over totaled $35.5 million as of March 31, 2015 and $33.1 million as of September 30, 2014.

INCOME_TAXES

INCOME TAXES	6 Months Ended
	Mar. 31, 2015
Income Tax Disclosure [Abstract]
INCOME TAXES	7	INCOME TAXES
	Items that gave rise to significant portions of deferred income taxes are as follows:
			March 31,			September 30,
			2015			2014
	Deferred tax assets:		(Dollars in Thousands)
	Allowance for loan losses		$	1,205		$	1,123
	Nonaccrual interest			131			125
	Accrued vacation			111			108
	Capital loss carryforward			606			1,211
	Real estate owned expense			10			-
	Split dollar life insurance			20			20
	Post-retirement benefits			135			137
	Unrealized loss on available for sale securities			-			491
	Employee benefit plans			406			382
	Total deferred tax assets			2,624			3,597
	Valuation allowance			(606	)		(1,211	)
	Total deferred tax assets, net of valuation allowance			2,018			2,386
	Deferred tax liabilities:
	Property			418			422
	Unrealized gain on available for sale securities			53			-
	Deferred loan fees			761			833
	Total deferred tax liabilities			1,232			1,255
	Net deferred tax asset		$	786		$	1,131
	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 realized through a carry back to taxable income in prior years or 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 over a five year period, resulting in the establishment of a valuation allowance for the carryforward period. The valuation allowance totaled $606,000 at March 31, 2015.
	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. As of March 31, 2015, the Internal Revenue Service had conducted an audit of the Company’s federal tax return for the year ended September 30, 2010, and no adverse findings were reported. The Company’s federal and state income tax returns for taxable years through September 30, 2010 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, 2015
Disclosure Of Compensation Related Costs, Share-Based Payments [Abstract]
STOCK COMPENSATION PLANS	8.             STOCK COMPENSATION PLANS
	The Company maintains an employee stock ownership plan (“ESOP”) for substantially all of its full-time employees. The ESOP purchased 427,057 shares of the Company’s common stock for an aggregate cost of approximately $4.5 million in fiscal 2005. The ESOP purchased an additional 255,564 shares during December 2013 and an additional 30,100 shares at the beginning January 2014, of the Company’s stock for an aggregate cost of approximately $3.1 million. Shares of the Company’s common stock purchased by the ESOP are held in a suspense account until released for allocation to participants. Shares are allocated to each eligible participant based on the ratio of each such participant’s compensation, as defined in the ESOP, to the total compensation of all eligible plan participants. As the unearned shares are released from the suspense account, the Company recognizes compensation expense equal to the fair value of the ESOP shares during the periods in which they become committed to be released. To the extent that the fair value of the ESOP shares released differs from the cost of such shares, the difference is charged or credited to equity as additional paid-in capital. As of March 31, 2015, the ESOP held 697,301 shares and the Company had allocated a total of 222,801 shares from the suspense account to participants and committed to release an additional  8,878 shares. For the six months ended March 31, 2015, the Company recognized $238,000 in compensation expense related to the ESOP.
	The Company maintains the 2008 Recognition and Retention Plan (“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 RRP Trust purchased 213,528 shares (on a converted basis) of the Company’s common stock in the open market for approximately $2.5 million, at an average purchase price per share of $11.49 as part of the 2008 RRP. The Company made sufficient contributions to the RRP Trust to fund these purchases. As of March 31, 2015, all the shares had been awarded as part of the 2008 RRP. Shares subject to awards under the 2008 RRP generally vest at the rate of 20% per year over five years. As of March 31, 2015, 185,052 (on a converted basis) of the awarded shares of the 2008 Plan had become fully vested. 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 can be awarded as restricted stock awards or units, of which 235,500 shares were awarded during February 2015.
	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, 2015, $84,000 and $105,000, respectively, was recognized in compensation expense for the 2008 RRP and the grants pursuant to the 2014 SIP. Income tax benefits of $29,000 and $36,000 were recognized for the three and six months ended March 31, 2015. During the three and six months ended March 31, 2014, $25,000 and $141,000, respectively, was recognized in compensation expense for the 2008 RRP. An income tax benefit of $1,000 was recognized for the three months ended March 31, 2014 while an income tax benefit of $39,000 was recognized for the six months ended March 31, 2014. At March 31, 2015, approximately $3.0 million in additional compensation expense for the shares awarded related to the 2008 RRP and the 2014 SIP remained unrecognized.
	A summary of the Company’s non-vested stock award activity for the six months ended March 31, 2015 and 2014 are presented in the following tables:
		Six Months Ended
		31-Mar-15
					Weighted Average
		Number of			Grant Date Fair
		Shares (1)			Value
	Nonvested stock awards at October 1, 2014		38,055			$	8.07
	Issued		235,500				12.23
	Forfeited		-				-
	Vested		(9,578	)			8.07
	Nonvested stock awards at the March 31, 2015		263,977			$	12.07
		Six Months Ended
		31-Mar-14
					Weighted Average
		Number of			Grant Date Fair
		Shares			Value
	Nonvested stock awards at October 1, 2013		79,477			$	9.56
	Issued		-				-
	Forfeited		-				-
	Vested		(40,686	)			10.95
	Nonvested stock awards at the March 31, 2014		38,791			$	8.11
	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 (on a converted basis) of common stock were approved for future issuance pursuant to the 2008 Stock Option Plan. As of March 31, 2015, all of the options had been awarded under the 2008 Option Plan. As of March 31, 2015, 417,767 options (on a converted basis) were vested under the 2008 Option Plan. The 2014 SIP reserved up to 714,145 shares for issuance pursuant to options. Options to purchase 608,737 shares were awarded during February 2015, 605,000 shares pursuant to the 2014 SIP and the remainder pursuant to the 2008 Option Plan.
	A summary of the status of the Company’ stock options under the Stock Option Plan as of March 31, 2015 and 2014 and changes during the six month periods ended March 31, 2015 and 2014 are presented below:
		Six Months Ended
		31-Mar-15
		Number of				Weighted Average
		Shares				Exercise Price
	Outstanding at October 1, 2014		530,084			$	10.86
	Granted		608,737				12.23
	Exercised		-				-
	Forfeited		-				-
	Outstanding at March 31, 2015		1,138,821			$	11.59
	Exercisable at March 31, 2015		445,147			$	11.37
		Six Months Ended
		31-Mar-14
		Number of				Weighted Average
		Shares (1)				Exercise Price
	Outstanding at October 1, 2013		516,739			$	10.86
	Granted		13,545				10.68
	Exercised		-				-
	Forfeited		-				-
	Outstanding at March 31, 2014		530,284			$	10.86
	Exercisable at March 31, 2014		415,733			$	11.57
	The weighted average remaining contractual term was approximately 7.5 years for options outstanding as of March 31, 2015.
	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 and $4.58 for options granted during 2015. The fair value was estimated on the date of grant using the Black-Scholes pricing model with the following assumptions; an exercise price and fair value of $12.23, term of seven years, volatility rate of 38.16%, interest rate 1.62% and a yield rate 0.98%.
	During the three and six months ended March 31, 2015, $86,000 and $111,000, respectively, was recognized in compensation expense for options granted pursuant to the 2008 Option Plan and the 2014 SIP. Tax benefits of $9,000 and $12,000, respectively, were recognized for the three and six months ended March 31, 2015. During the three and six months ended March 31, 2014, $27,000 and $106,000, respectively, was recognized in compensation expense for the 2008 Option Plan. Tax benefits of $3,000 and $11,000, respectively, were recognized for the three and six months ended March 31, 2014. At March 31, 2015, approximately $3.0 million in additional compensation expense for awarded options remained unrecognized. The weighted average period over which this expense will be recognized is approximately 4.7 years.

COMMITMENTS_AND_CONTINGENT_LIA

COMMITMENTS AND CONTINGENT LIABILITIES	6 Months Ended
	Mar. 31, 2015
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS AND CONTINGENT LIABILITIES	9	COMMITMENTS AND CONTINGENT LIABILITIES
	At March 31, 2015, the Company had $4.8 million in outstanding commitments to originate fixed and variable-rate loans with market interest rates ranging from 3.25% to 8.00%. At September 30, 2014, the Company had $25.3 million in outstanding commitments to originate fixed and variable-rate loans with market interest rates ranging from 3.25% to 6.00%. The aggregate undisbursed portion of loans-in-process amounted to $23.2 million at March 31, 2015 and $9.7 million at September 30, 2014.
	The Company also had commitments under unused lines of credit of $4.3 million as of March 31, 2015 and September 30, 2014 and letters of credit outstanding of $609,000 as of both March 31, 2015 and September 30, 2014.
	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, 2015, the exposure, which represents a portion of credit risk associated with the interests sold, amounted to $60,000. This exposure is for the life of the related loans and payables, on our proportionate share, as actual losses are incurred.
	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, 2015
Fair Value Disclosures [Abstract]
FAIR VALUE MEASUREMENT	10	FAIR VALUE MEASUREMENT
	The fair value estimates presented herein are based on pertinent information available to management as of March 31, 2015 and September 30, 2014, 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, 2015 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		$	-		$	18,725		$	-	$	18,725
	Mortgage-backed securities - U.S. Government agencies			-			52,286			-		52,286
	FHLMC preferred stock			61			-			-		61
	Total		$	61		$	71,011		$	-	$	71,072
	Those assets as of September 30, 2014 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		$	-		$	17,844		$	-	$	17,844
	Mortgage-backed securities - U.S. Government agencies			-			39,903			-		39,903
	FHLMC preferred stock			70			-			-		70
	Total		$	70		$	57,747		$	-	$	57,817
	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 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 $21.5 million as of March 31, 2015.
	Summary of Non-Recurring Fair Value Measurements
			At March 31, 2015
			(Dollars in Thousands)
			Level 1			Level 2			Level 3		Total
	Impaired loans		$	-		$	-		$	21,475	$	21,475
	Total		$	-		$	-		$	21,475	$	21,475
			At September 30, 2014
			(Dollars in Thousands)
			Level 1			Level 2			Level 3		Total
	Impaired loans		$	-		$	-		$	21,980	$	21,980
	Total		$	-		$	-		$	21,980	$	21,980
	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 December 31, 2014
			(Dollars in Thousands)
			Fair Value		Valuation		Unobservable Input	Range/
					Technique			Weighted Ave.
	Impaired loans		$	21,475	Property appraisals (1) (3)		Management discount for selling costs, property type and market volatility (2)	10% discount
			At September 30, 2014
			(Dollars in Thousands)
			Fair Value		Valuation		Unobservable Input	Range /
					Technique			Weighted Ave.
	Impaired loans		$	21,980	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 have 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
									31-Mar-15
			Carrying			Fair			(Level 1)		(Level 2)		(Level 3)
			Amount			Value
			(Dollars in Thousands)
	Assets:
	Cash and cash equivalents		$	27,422		$	27,422		$	27,422	$	-	$	-
	Investment and mortgage-backed securities available for sale			71,072			71,072			61		71,011		-
Investment and mortgage-backed securities held to maturity			73,603			74,289			-		74,289		-
Loans receivable, net			327,855			329,477			-		-		329,477
Accrued interest receivable			1,779			1,779			1,779		-		-
Federal Home Loan Bank stock			350			350			350		-		-
Bank owned life insurance			12,554			12,554			12,554		-		-
Liabilities:
Checking accounts			38,969			38,969			38,969		-		-
Money market deposit accounts			64,304			64,304			64,304		-		-
Passbook, club and statement savings accounts			72,655			72,655			72,655		-		-
Certificates of deposit			209,547			214,749			-		-		214,749
Advances from Federal Home Loan Bank			130			130			130		-		-
Accrued interest payable			507			507			507		-		-
Advances from borrowers for taxes and insurance			1,625			1,625			1,625		-		-
								Fair Value Measurements at
								30-Sep-14
		Carrying Amount			Fair			(Level 1)		(Level 2)		(Level 3)
					Value
		(Dollars in Thousands)
Assets:
Cash and cash equivalents		$	45,382		$	45,382		$	45,382	$	-	$	-
Investment and mortgage-backed securities available for sale			57,817			57,817			70		57,747		-
Investment and mortgage-backed securities held to maturity			80,840			79,092			-		79,092		-
Loans receivable, net			321,063			321,247			-		-		321,247
Accrued interest receivable			1,748			1,748			1,748		-		-
Federal Home Loan Bank stock			1,221			1,221			1,221		-		-
Bank owned life insurance			12,377			12,377			12,377		-		-
Liabilities:
Checking accounts			40,446			40,446			40,446		-		-
Money market deposit accounts			64,665			64,665			64,665		-		-
Passbook, club and statement savings accounts			73,275			73,275			73,275		-		-
Certificates of deposit			212,639			217,273			-		217,273		-
Advances from Federal Home Loan Bank			340			340			340		-		-
Accrued interest payable			1,486			1,486			1,486		-		-
Advances from borrowers for taxes and insurance			1,240			1,240			1,240		-		-
Cash and Cash Equivalents—For cash and cash equivalents, the carrying amount is a reasonable estimate of fair value.
Investments and Mortgage-Backed Securities—The fair value of investment securities and mortgage-backed securities is based on quoted market prices, dealer quotes, and prices obtained from independent pricing services.
Loans Receivable—The fair value of loans is estimated based on present value using the current market rates at which similar loans would be made to borrowers with similar credit ratings and for the same remaining maturities. The carrying value that fair value is compared to is net of the allowance for loan losses and other associated premiums and discounts. Due to the significant judgment involved in evaluating credit quality, loans are classified within Level 3 of the fair value hierarchy.
Accrued Interest Receivable – For accrued interest receivable, the carrying amount is a reasonable estimate of fair value.
Federal Home Loan Bank (FHLB) Stock—Although FHLB stock is an equity interest in an FHLB, it is carried at cost because it does not have a readily determinable fair value as its ownership is restricted and it lacks a market. The estimated fair value approximates the carrying amount.
Bank Owned Life Insurance—The fair value of bank owned life insurance is based on the cash surrender value obtained from an independent advisor that is derivable from observable market inputs.
Checking Accounts, Money Market Deposit Accounts, Passbook Accounts, Club Accounts, Statement Savings Accounts, and Certificates of Deposit—The fair value of passbook accounts, club accounts, statement savings accounts, checking accounts, and money market deposit accounts is the amount reported in the financial statements. The fair value of certificates of deposit is based on market rates currently offered for deposits of similar remaining maturity.
Advances from Federal Home Loan Bank—The fair value of advances from FHLB is the amount payable on demand at the reporting date.
Accrued Interest Payable – For accrued interest payable, the carrying amount is a reasonable estimate of fair value.
Advances from borrowers for taxes and insurance – For advances from borrowers for taxes and insurance, the carrying amount is a reasonable estimate of fair value.
Commitments to Extend Credit and Letters of Credit—The majority of the Bank’s commitments to extend credit and letters of credit carry current market interest rates if converted to loans. Because commitments to extend credit and letters of credit are generally unassignable by either the Bank or the borrower, they only have value to the Bank and the borrower. The estimated fair value approximates the recorded deferred fee amounts, which are not significant.

SIGNIFICANT_ACCOUNTING_POLICIE1

SIGNIFICANT ACCOUNTING POLICIES (Policies)	6 Months Ended
	Mar. 31, 2015
Accounting Policies [Abstract]
Use of Estimates in the Preparation of Financial Statements	Use of Estimates in the Preparation of Financial Statements—The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and the disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of income and expenses during the reporting period. The most significant estimates and assumptions in the Company’s consolidated financial statements are recorded in the allowance for loan losses, deferred income taxes, other-than-temporary impairment, and the fair value measurement for financial instruments. Actual results could differ from those estimates.
Share-Based Compensation	Share-Based Compensation – The Company accounts for stock-based compensation issued to employees, and where appropriate, non-employees, at fair value.  Under fair value provisions, stock-based compensation cost is measured at the grant date based on the fair value of the award and is recognized as expense over the appropriate vesting period using the straight-line method.  The amount of stock-based compensation recognized at any date must at least equal the portion of the grant date fair value of the award that is vested at that date and as a result it may be necessary to recognize the expense using a ratable method.  Determining the fair value of stock-based awards at the date of grant requires judgment, including estimating the expected term of the stock options and the expected volatility of the Company’s stock. In addition, judgment is required in estimating the amount of stock-based awards that are expected to be forfeited. If actual results differ significantly from these estimates or different key assumptions were used, it could have a material effect on the Company’s consolidated financial statements.
	Dividends with respect to non-vested share awards granted pursuant to the Company’s 2008 Recognition and Retention Plan (“Plan”) and held in the Trust (the “Trust”) are held for the benefit of the recipients and are paid out proportionately by the Trust to the recipients of stock awards granted pursuant to the Plan as soon as practicable after the stock awards are earned.  A recipient of a share award granted under the 2014 Stock Incentive Plan will  not be entitled to receive any dividends declared on the common stock subject to the award until earned.
Treasury Stock	Treasury Stock – Stock held in treasury by the Company is accounted for using the cost method, which treats stock held in treasury as a reduction to total stockholders’ equity. During the six month period ended March 31, 2015, the Company repurchased 309,614 shares at an approximate total cost of $3.8 million.
FHLB Stock	FHLB Stock – FHLB stock is classified as a restricted equity security because ownership is restricted and there is not an established market for its resale.  FHLB stock is carried at cost and is evaluated for impairment when certain conditions warrant further consideration. Management concluded that the FHLB stock was not impaired at March 31, 2015.
Recent Accounting Pronouncements	Recent Accounting Pronouncements
	In January 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU” or “Update”) 2014-01, Investments – Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Qualified Affordable Housing Projects.  The amendments in this Update permit reporting entities to make an accounting policy election to account for their investments in qualified affordable housing projects using the proportional amortization method if certain conditions are met. Under the proportional amortization method, an entity amortizes the initial cost of the investment in proportion to the tax credits and other tax benefits received and recognizes the net investment performance in the income statement as a component of income tax expense (benefit).  The amendments in this Update should be applied retrospectively to all periods presented. A reporting entity that uses the effective yield method to account for its investments in qualified affordable housing projects before the date of adoption may continue to apply the effective yield method for those preexisting investments. The amendments in this Update are effective for public business entities for annual periods and interim reporting periods within those annual periods, beginning after December 15, 2014.  Early adoption is permitted. This ASU did not have a significant impact on the Company’s financial statements.
	In January 2014, the FASB issued ASU 2014-04, Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40): Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure. The amendments in this Update clarify that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to requirements of the applicable jurisdiction. The amendments in this Update are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. An entity can elect to adopt the amendments in this Update using either a modified retrospective transition method or a prospective transition method. This ASU did not have a significant impact on the Company’s financial statements.
	In May 2014, the FASB issued ASU 2014-09, Revenue from Contracts with Customers (a new revenue recognition standard). The Update’s core principle is that a company will recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. In addition, this update specifies the accounting for certain costs to obtain or fulfill a contract with a customer and expands disclosure requirements for revenue recognition. This Update is effective for annual reporting periods beginning after December 15, 2016, including interim periods within that reporting period. This ASU is not expected to have a significant impact on the Company’s financial statements.
	In June 2014, the FASB issued ASU 2014-11, Transfers and Servicing (Topic 860): Repurchase-to-Maturity Transactions, Repurchase Financings, and Disclosures.  The amendments in this Update change the accounting for repurchase-to-maturity transactions to secured borrowing accounting.  For repurchase financing arrangements, the amendments require separate accounting for a transfer of a financial asset executed contemporaneously with a repurchase agreement with the same counterparty, which will result in secured borrowing accounting for the repurchase agreement.  The amendments also require enhanced disclosures.  The accounting changes in this Update are effective for the first interim or annual period beginning after December 15, 2014.  An entity is required to present changes in accounting for transactions outstanding on the effective date as a cumulative-effect adjustment to retained earnings as of the beginning of the period of adoption. Earlier application is prohibited.  The disclosure for certain transactions accounted for as a sale is required to be presented for interim and annual periods beginning after December 15, 2014, and the disclosure for repurchase agreements, securities lending transactions, and repurchase-to-maturity transactions accounted for as secured borrowings is required to be presented for annual periods beginning after December 15, 2014, and for interim periods beginning after March 15, 2015. The disclosures are not required to be presented for comparative periods before the effective date.  This ASU did not have a significant impact on the Company’s financial statements.
	In June 2014, the FASB issued ASU 2014-12, Compensation-Stock Compensation (Topic 718): Accounting for Share-Based Payments when the Terms of an Award Provide that a Performance Target Could Be Achieved After the Requisite Service Period.  The amendments require that a performance target that affects vesting and that could be achieved after the requisite service period be treated as a performance condition. The amendments in this Update are effective for annual periods and interim periods within those annual periods beginning after December 15, 2015. Earlier adoption is permitted. Entities may apply the amendments in this Update either (a) prospectively to all awards granted or modified after the effective date or (b) retrospectively to all awards with performance targets that are outstanding as of the beginning of the earliest annual period presented in the financial statements and to all new or modified awards thereafter. If retrospective transition is adopted, the cumulative effect of applying this Update as of the beginning of the earliest annual period presented in the financial statements should be recognized as an adjustment to the opening retained earnings balance at that date. Additionally, if retrospective transition is adopted, an entity may use hindsight in measuring and recognizing the compensation cost.  This ASU is not expected to have a significant impact on the Company’s financial statements.
	In August 2014, the FASB issued ASU 2014-14, Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40).  The amendments in this Update require that a mortgage loan be derecognized and that a separate other receivable be recognized upon foreclosure if the following conditions are met:  (1) the loan has a government guarantee that is not separable from the loan before foreclosure, (2) at the time of foreclosure, the creditor has the intent to convey the real estate property to the guarantor and make a claim on the guarantee, and the creditor has the ability to recover under that claim, and (3) at the time of foreclosure, any amount of the claim that is determined on the basis of the fair value of the real estate is fixed.  Upon foreclosure, the separate other receivable should be measured based on the amount of the loan balance (principal and interest) expected to be recovered from the guarantor.  The amendments in this Update are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014.  This ASU did not have a significant impact on the Company’s financial statements.
	In August 2014, the FASB issued ASU 2014-15, Presentation of Financial Statements -Going Concern (Subtopic 205-40).  The amendments in this Update provide guidance in accounting principles generally accepted in the United States of America about management’s responsibility to evaluate whether there is substantial doubt about an entity’s ability to continue as a going concern and to provide related footnote disclosures.  The amendments in this Update are first effective for the annual period ending after December 15, 2016, and for annual periods and interim periods within such annual periods thereafter. Early application is permitted.  This ASU is not expected to have a significant impact on the Company’s financial statements.
	In November 2014, the FASB issued ASU 2014-17, Business Combinations (Topic 805): Pushdown Accounting. The amendments in this Update apply to the separate financial statements of an acquired entity and its subsidiaries that are a business or nonprofit activity (either public or nonpublic) upon the occurrence of an event in which an acquirer (an individual or an entity) obtains control of the acquired entity.  An acquired entity may elect the option to apply pushdown accounting in the reporting period in which the change-in-control event occurs. If pushdown accounting is not applied in the reporting period in which the change-in-control event occurs, an acquired entity will have the option to elect to apply pushdown accounting in a subsequent reporting period to the acquired entity’s most recent change-in-control event. The amendments in this Update are effective on November 18, 2014. After the effective date, an acquired entity can make an election to apply the guidance to future change-in-control events or to its most recent change-in-control event. This ASU is not expected to have a significant impact on the Company’s financial statements.
	In January 2015, the FASB issued ASU 2015-01, Income Statement –Extraordinary and Unusual Items, as part of its initiative to reduce complexity in accounting standards.  This Update eliminates from GAAP the concept of extraordinary items.  The amendments in this Update are effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2015. A reporting entity may apply the amendments prospectively. A reporting entity also may apply the amendments retrospectively to all prior periods presented in the financial statements. Early adoption is permitted provided that the guidance is applied from the beginning of the fiscal year of adoption.  This ASU is not expected to have a significant impact on the Company’s financial statements.
	In February 2015, the FASB issued ASU 2015-02, Consolidation (Topic 810). The amendments in this Update affect reporting entities that are required to evaluate whether they should consolidate certain legal entities. All legal entities are subject to reevaluation under the revised consolidation model. Specifically, the amendments (1) modify the evaluation of whether limited partnerships and similar legal entities are variable interest entities (“VIEs”) or voting interest entities; (2) eliminate the presumption that a general partner should consolidate a limited partnership; (3) affect the consolidation analysis of reporting entities that are involved with VIEs, particularly those that have fee arrangements and related party relationships; and (4) provide a scope exception from consolidation guidance for reporting entities with interests in legal entities that are required to comply with or operate in accordance with requirements that are similar to those in Rule 2a-7 of the Investment Company Act of 1940 for registered money market funds.  The amendments in this Update are effective for public business entities for fiscal years, and for interim periods within those fiscal years, beginning after December 15, 2015.  For all other entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2016, and for interim periods within fiscal years beginning after December 15, 2017.  This ASU is not expected to have a significant impact on the Company’s financial statements.
	In April 2015, the FASB issued ASU 2015-03, Interest-Imputation of Interest (Subtopic 835-30), as part of its initiative to reduce complexity in accounting standards.  To simplify presentation of debt issuance costs, the amendments in this Update require that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. The recognition and measurement guidance for debt issuance costs are not affected by the amendments in this Update.  For public business entities, the amendments in this Update are effective for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within those fiscal years.  For all other entities, the amendments in this Update are effective for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within fiscal years beginning after December 15, 2016.  An entity should apply the new guidance on a retrospective basis, wherein the balance sheet of each individual period presented should be adjusted to reflect the period-specific effects of applying the new guidance. This ASU is not expected to have a significant impact on the Company’s financial statements.
	In April 2015, the FASB issued ASU 2015-04, Compensation-Retirement Benefits (Topic 715), as part of its initiative to reduce complexity in accounting standards.  For an entity with a fiscal year-end that does not coincide with a month-end, the amendments in this Update provide a practical expedient that permits the entity to measure defined benefit plan assets and obligations using the month-end that is closest to the entity’s fiscal year-end and apply that practical expedient consistently from year to year. The practical expedient should be applied consistently to all plans if an entity has more than one plan. The amendments in this Update are effective for public business entities for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within those fiscal years. For all other entities, the amendments in this Update are effective for financial statements issued for fiscal years beginning after December 15, 2016, and interim periods within fiscal years beginning after December 15, 2017. Earlier application is permitted. This ASU is not expected to have a significant impact on the Company’s financial statements.
	In April 2015, the FASB issued ASU 2015-05, Intangible – Goodwill and Other Internal Use Software (Topic 350-40), as part of its initiative to reduce complexity in accounting standards. This guidance  will help entities evaluate the accounting for fees paid by a customer in a cloud computing arrangement. The amendments in this Update provide guidance to customers about whether a cloud computing arrangement includes a software license. If a cloud computing arrangement includes a software license, then the customer should account for the software license element of the arrangement consistent with the acquisition of other software licenses. If a cloud computing arrangement does not include a software license, the customer should account for the arrangement as a service contract.  For public business entities, the FASB decided that the amendments will be effective for annual periods, including interim periods within those annual periods, beginning after December 15, 2015. For all other entities, the amendments will be effective for annual periods beginning after December 15, 2015, and interim periods in annual periods beginning after December 15, 2016. Early adoption is permitted for all entities.  This ASU is not expected to have a significant impact on the Company’s financial statements.

EARNINGS_PER_SHARE_Tables

EARNINGS PER SHARE (Tables)	6 Months Ended
	Mar. 31, 2015
Earnings Per Share [Abstract]
Schedule of basic and diluted earnings per share		Three Months Ended March 31,
		2015				2014
		Basic		Diluted		Basic		Diluted
		(Dollars in Thousands, Except Per Share Data)
	Net income	$	1,701	$	1,701	$	535	$	535
	Weighted average shares outstanding		8,571,846		8,571,846		9,066,150		9,066,150
	Effect of dilutive common stock equivalents		-		1,103,728		-		206,655
	Adjusted weighted average shares used in earnings per share computation		8,571,846		9,675,574		9,066,150		9,272,805
	Earnings per share - basic and diluted	$	0.2	$	0.18	$	0.06	$	0.06
		Six Months Ended March 31,
		2015				2014
		Basic		Diluted		Basic		Diluted
		(Dollars in Thousands, Except Per Share Data)
	Net income	$	2,172	$	2,172	$	873	$	873
	Weighted average shares outstanding		8,712,938		8,712,938		9,146,193		9,146,193
	Effect of dilutive common stock equivalents		-		1,163,172		-		204,776
	Adjusted weighted average shares used in earnings per share computation		8,712,938		9,876,110		9,146,193		9,350,969
	Earnings per share - basic and diluted	$	0.25	$	0.22	$	0.1	$	0.09

ACCUMULATED_OTHER_COMPREHENSIV1

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Tables)	6 Months Ended
	Mar. 31, 2015
Accumulated Other Comprehensive Income [Abstract]
Schedule of changes in accumulated other comprehensive income		Three Months Ended March 31,
		2015			2014
		(Dollars in Thousands)
		Unrealized gains (losses)			Unrealized gains (losses)
		on available for sale			on available for sale
		securities (a)			securities (a)
	Beginning Balance	$	(467	)	$	(1,641	)
	Other comprehensive income before reclassification		568			552
	Amount reclassified from accumulated other comprehensive income (loss)		-			(176	)
	Total other comprehensive income		568			376
	Ending Balance	$	101		$	(1,265	)
	(a) All amounts are net of tax.  Amounts in parentheses indicate debits.
		Six Months Ended March 31,
			2015			2014
		(Dollars in Thousands)
		Unrealized gains (losses)			Unrealized gains (losses)
		on available for sale			on available for sale
		securities (a)			securities (a)
	Beginning Balance	$	(953	)	$	(1,292	)
	Other comprehensive income before reclassification		1,054			198
	Amount reclassified from accumulated other comprehensive income (loss)		-			(171	)
	Total other comprehensive income		1,054			27
	Ending Balance	$	101		$	(1,265	)
	(a) All amounts are net of tax.  Amounts in parentheses indicate debits.
Schedule of amounts reclassified out of each component of accumulated other comprehensive income (loss)		Three Months Ended March 31,
		2015			2014
		Amount Reclassified			Amount Reclassified
		from Accumulated			from Accumulated			Affected Line Item in
		Other			Other			the Statement Where
		Comprehensive			Comprehensive			Net Income is
	Details about other comprehensive income	Income (a)			Income (a)			Presented
		(Dollars in Thousands)
	Unrealized gains on available for sale securities	$	-		$	274		Gain on sale of securities available for sale
			-			(93	)	Income taxes
			-			(8	)	Net impairment losses recognized in earnings
			-			3		Income taxes
		$	-		$	176		Net of tax
	(a) Amounts in parentheses indicate debits to net income.
		Six Months Ended March 31,
			2015			2014
		Amount Reclassified			Amount Reclassified
		from Accumulated			from Accumulated			Affected Line Item in
		Other			Other			the Statement Where
		Comprehensive			Comprehensive			Net Income is
	Details about other comprehensive income	Income (a)			Income (a)			Presented
		(Dollars in Thousands)
	Unrealized gains on available for sale securities	$	-		$	274		Gain on sale of securities available for sale
			-			(93	)	Income taxes
			-			(15	)	Net impairment losses recognized in earnings
			-			5		Income taxes
		$	-		$	171		Net of tax
	(a) Amounts in parentheses indicate debits to net income.

INVESTMENT_AND_MORTGAGEBACKED_1

INVESTMENT AND MORTGAGE-BACKED SECURITIES (Tables)	6 Months Ended
	Mar. 31, 2015
Investments, Debt and Equity Securities [Abstract]
Schedule of amortized cost and fair value of securities, with gross unrealized gains and losses		31-Mar-15
					Gross		Gross
		Amortized			Unrealized		Unrealized			Fair
		Cost			Gains		Losses			Value
		(Dollars in Thousands)
	Securities Available for Sale:
	U.S. government and agency obligations	$	18,987		$	-	$	(262	)	$	18,725
	Mortgage-backed securities - U.S. government agencies		51,926			498		(138	)		52,286
	Total debt securities available for sale		70,913			498		(400	)		71,011
	FHLMC preferred stock		6			55		-			61
	Total securities available for sale	$	70,919		$	553	$	(400	)	$	71,072
	Securities Held to Maturity:
	U.S. government and agency obligations	$	60,924		$	559	$	(949	)	$	60,534
	Mortgage-backed securities - U.S. government agencies		12,679			1,079		(3	)		13,755
	Total securities held to maturity	$	73,603		$	1,638	$	(952	)	$	74,289
		30-Sep-14
					Gross		Gross
		Amortized			Unrealized		Unrealized			Fair
		Cost			Gains		Losses			Value
		(Dollars in Thousands)
	Securities Available for Sale:
	U.S. government and agency obligations	$	18,987		$	-	$	(1,143	)	$	17,844
	Mortgage-backed securities - U.S. government agencies		40,269			188		(554	)		39,903
	Total debt securities available for sale		59,256			188		(1,697	)		57,747
	FHLMC preferred stock		6			64		-			70
	Total securities available for sale	$	59,262		$	252	$	(1,697	)	$	57,817
	Securities Held to Maturity:
	U.S. government and agency obligations	$	66,919		$	502	$	(3,270	)	$	64,151
	Mortgage-backed securities - U.S. government agencies		13,921			1,130		(110	)		14,941
	Total securities held to maturity	$	80,840		$	1,632	$	(3,380	)	$	79,092
Schedule of gross unrealized losses and related fair values of investment securities	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 March 31, 2015:
		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	$	(57	)	$	4,939	$	(205	)	$	13,786	$	(262	)	$	18,725
	Mortgage-backed securities - U.S. government agencies		(82	)		10,885		(56	)		5,943		(138	)		16,828
	Total securities available for sale		(139	)		15,824		(261	)		19,729		(400	)		35,553
	Securities Held to Maturity:
	U.S. government and agency obligations		(4	)		2,496		(945	)		45,507		(949	)		48,003
	Mortgage-backed securities - U.S. government agencies		-			-		(3	)		2,503		(3	)		2,503
	Total securities held to maturity		(4	)		2,496		(948	)		48,010		(952	)		50,506
	Total	$	(143	)	$	18,320	$	(1,209	)	$	67,739	$	(1,352	)	$	86,059
	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, 2014:
		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	$	-		$	-	$	(1,143	)	$	17,843	$	(1,143	)	$	17,843
	Mortgage-backed securities - U.S. government agency		(184	)		16,437		(370	)		13,303		(554	)		29,740
	Total securities available for sale		(184	)		16,437		(1,513	)		31,146		(1,697	)		47,583
	Securities Held to Maturity:
	U.S. government and agency obligations		(73	)		6,408		(3,197	)		49,243		(3,270	)		55,651
	Mortgage-backed securities - U.S. government agency		-			-		(110	)		4,542		(110	)		4,542
	Total securities held to maturity		(73	)		6,408		(3,307	)		53,785		(3,380	)		60,193
	Total	$	(257	)	$	22,845	$	(4,820	)	$	84,931	$	(5,077	)	$	107,776
Schedule of roll forward of the amounts recognized in earnings related to credit losses on securities		Three Months Ended
		31-Mar-14
		(Dollars in Thousands)
	Credit component of OTTI as of January 1, 2014	$	1,606
	Additions for credit-related OTTI charges on previously unimpaired securities		-
	Additional increase as a result of impairment charges recognized on investments for which an OTTI charge was previously recognized		8
	Credit component of OTTI as of March 31, 2014	$	1,614
		Six Months Ended
		31-Mar-14
		(Dollars in Thousands)
	Credit component of OTTI as of October 1, 2013	$	1,599
	Additions for credit-related OTTI charges on previously unimpaired securities		-
	Additional increase as a result of impairment charges recognized on investments for which an OTTI charge was previously recognized		15
	Credit component of OTTI as of March 31, 2014	$	1,614
Schedule of amortized cost and fair value of debt securities by contractual maturity		31-Mar-15
		Held to Maturity					Available for Sale
		Amortized			Fair		Amortized			Fair
		Cost			Value		Cost			Value
		(Dollars in Thousands)
	Due within one year	$	-		$	-	$	-		$	-
	Due after one through five years		2,982			3,296		-			-
	Due after five through ten years		7,500			7,430		4,051			3,999
	Due after ten years		63,121			63,563		66,868			67,073
	Total	$	73,603		$	74,289	$	70,919		$	71,072

LOANS_RECEIVABLE_Tables

LOANS RECEIVABLE (Tables)	6 Months Ended
	Mar. 31, 2015
Receivables [Abstract]
Schedule of summary of loans receivable		March 31,				September 30,
		2015				2014
		(Dollars in Thousands)
	One-to-four family residential	$	276,319			$	282,637
	Multi-family residential		5,684				7,174
	Commercial real estate		25,411				16,113
	Construction and land development		43,598				22,397
	Commercial business		-				1,976
	Consumer		371				399
	Total loans		351,383				330,696
	Undisbursed portion of loans-in-process		(23,178	)			(9,657	)
	Deferred loan costs		2,238				2,449
	Allowance for loan losses		(2,588	)			(2,425	)
	Net loans	$	327,855			$	321,063
Schedule of loans individually and collectively evaluated for impairment by loan segment	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, 2015:
		One- to-four				Multi-family				Commercial real			Construction			Commercial			Consumer		Unallocated			Total
		family				residential				estate			and land			business
		residential											development
		(Dollars in Thousands)
	Allowance for Loan Losses:
	Individually evaluated for impairment	$	-			$	-			$	-		$	-		$	-		$	-	$	-		$	-
	Collectively evaluated for impairment		1,545				51				207			545			-			4		236			2,588
	Total ending allowance balance	$	1,545			$	51			$	207		$	545		$	-		$	4	$	236		$	2,588
	Loans:
	Individually evaluated for impairment	$	9,438			$	359			$	3,752		$	7,926		$	-		$	-				$	21,475
	Collectively evaluated for impairment		266,881				5,325				21,659			35,672			-			371					329,908
	Total loans	$	276,319			$	5,684			$	25,411		$	43,598		$	-		$	371				$	351,383
	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, 2014:
		One- to-four				Multi-family				Commercial real			Construction			Commercial			Consumer		Unallocated			Total
		family				residential				estate			and land			business
		residential											development
		(Dollars in Thousands)
	Allowance for Loan Losses:
	Individually evaluated for impairment	$	-			$	-			$	-		$	-		$	-		$	-	$	-		$	-
	Collectively evaluated for impairment		1,663				67				122			323			15			4		231			2,425
	Total loans	$	1,663			$	67			$	122		$	323		$	15		$	4	$	231		$	2,425
	Loans:
	Individually evaluated for impairment	$	10,436			$	368			$	3,777		$	7,399		$	-		$	-	$	-		$	21,980
	Collectively evaluated for impairment		272,201				6,806				12,336			14,998			1,976			399		-			308,716
	Total loans	$	282,637			$	7,174			$	16,113		$	22,397		$	1,976		$	399	$	-		$	330,696
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	The following table presents impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not required as of March 31, 2015:
										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	$	-			$	-			$	9,438		$	9,438		$	10,136
	Multi-family residential		-				-				359			359			359
	Commercial real estate		-				-				3,752			3,752			3,752
	Construction and land development		-				-				7,926			7,926			7,926
	Total Loans	$	-			$	-			$	21,475		$	21,475		$	22,173
	The following table presents impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not required as of September 30, 2014:
										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	$	-			$	-			$	10,436		$	10,436		$	11,135
	Multi-family residential		-				-				368			368			368
	Commercial real estate		-				-				3,777			3,777			3,777
	Construction and land development		-				-				7,399			7,399			7,399
	Total Loans	$	-			$	-			$	21,980		$	21,980		$	22,679
Schedule of average investment in impaired loans and related interest income recognized		Three Months Ended March 31, 2015
		Average			Income Recognized				Income
		Recorded			on Accrual Basis				Recognized on
		Investment							Cash Basis
		(Dollars in Thousands)
	One-to-four family residential	$	10,068			$	124			$	42
	Multi-family residential		361				6			-
	Commercial real estate		3,758				51				24
	Construction and land development		7,743				106				64
	Total Loans	$	21,930			$	287			$	130
		Six Months Ended March 31, 2015
		Average				Income Recognized				Income
		Recorded				on Accrual Basis				Recognized on
		Investment								Cash Basis
		(Dollars in Thousands)
	One-to-four family residential	$	10,179			$	263			$	77
	Multi-family residential		363				13			-
	Commercial real estate		3,764				102				35
	Construction and land development		7,628				210				64
	Total Loans	$	21,934			$	588			$	176
		Three Months Ended March 31, 2014
		Average				Income Recognized				Income
		Recorded				on Accrual Basis				Recognized on
		Investment								Cash Basis
		(Dollars in Thousands)
	One-to-four family residential	$	10,926			$	96			$	30
	Multi-family residential		378				6			-
	Commercial real estate		1,538			-					7
	Construction and land development		947			-				-
	Total Loans	$	13,789			$	102			$	37
		Six Months Ended March 31, 2014
		Average				Income Recognized				Income
		Recorded				on Accrual Basis				Recognized on
		Investment								Cash Basis
		(Dollars in Thousands)
	One-to-four family residential	$	10,869			$	167			$	51
	Multi-family residential		380				13			-
	Commercial real estate		1,932				10				14
	Construction and land development		1,033				36			-
	Total Loans	$	14,214			$	226			$	65
Schedule of classes of the loan portfolio in which a formal risk weighting system is utilized		March 31, 2015
							Special						Total
		Pass					Mention			Substandard			Loans
		(Dollars in Thousands)
	One-to-four family residential	$	2,770			$	-			$	6,668		$	9,438
	Multi-family residential		5,325				-				359			5,684
	Commercial real estate		22,543				-				2,868			25,411
	Construction and land development		35,673				-				7,925			43,598
	Total Loans	$	66,311			$	-			$	17,820		$	84,131
		30-Sep-14
							Special						Total
		Pass					Mention			Substandard			Loans
		(Dollars in Thousands)
	One-to-four family residential	$	-			$	1,509			$	10,436		$	11,945
	Multi-family residential		6,806				-				368			7,174
	Commercial real estate		11,347				989				3,777			16,113
	Construction and land development		14,998				-				7,399			22,397
	Commercial business		1,976				-			-				1,976
	Consumer		-				119			-				119
	Total Loans		35,127			$	2,617			$	21,980		$	59,724
Schedule of loans in which a formal risk rating system is not utilized, but loans are segregated between performing and non-performing		31-Mar-15
						Non-				Total
		Performing				Performing				Loans
		(Dollars in Thousands)
	One-to-four family residential	$	266,881			$	-			$	266,881
	Consumer		371				-				371
	Total Loans	$	267,252			$	-			$	267,252
		30-Sep-14
						Non-				Total
		Performing				Performing				Loans
		(Dollars in Thousands)
	One-to-four family residential	$	270,692			$	-			$	270,692
	Consumer		280				-				280
	Total Loans	$	270,972			$	-			$	270,972
Schedule of loan categories of the loan portfolio summarized by the aging categories of performing and delinquent loans and nonaccrual loans		31-Mar-15
													90 Days+			Total
						30-89 Days				90 Days +			Past Due			Past Due			Total		Non-
		Current				Past Due				Past Due			and Accruing			and Accruing			Loans		Accrual
		(Dollars in Thousands)
	One-to-four family residential	$	271,755			$	733			$	3,831		$	-		$	733		$	276,319	$	5,362
	Multi-family residential		5,684				-				-			-			-			5,684		-
	Commercial real estate		25,342				69				-			-			69			25,411		2,299
	Construction and land development		43,598				-				-			-			-			43,598		7,926
	Consumer		371				-				-			-			-			371		-
	Total Loans	$	346,750			$	802			$	3,831		$	-		$	802		$	351,383	$	15,587
		30-Sep-14
													90 Days+			Total
						30-89 Days				90 Days +			Past Due			Past Due			Total		Non-
		Current				Past Due				Past Due			and Accruing			and Accruing			Loans		Accrual
		(Dollars in Thousands)
	One-to-four family residential	$	278,716			$	475			$	3,446		$	-		$	475		$	282,637	$	5,002
	Multi-family residential		7,174				-				-			-			-			7,174		-
	Commercial real estate		16,113				-				-			-			-			16,113		877
	Construction and land development		22,397				-				-			-			-			22,397		-
	Commercial business		1,976				-				-			-			-			1,976		-
	Consumer		399				-				-			-			-			399		-
	Total Loans	$	326,775			$	475			$	3,446		$	-		$	475		$	330,696	$	5,879
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, 2015
		One- to				Multi-				Commercial			Construction			Commercial			Consumer		Unallocated			Total
		four-family				family				real estate			and land			business
		residential				residential							development
		(Dollars in Thousands)
	ALLL balance at December 31, 2014	$	1,492			$	51			$	216		$	493		$	5		$	4	$	239		$	2,500
	Charge-offs		(212	)			-				-			-			-			-		-			(212	)
	Recoveries		-				-				-			-			-			-		-			-
	Provision		265				-				(9	)		52			(5	)		-		(3	)		300
	ALLL balance at March 31, 2015	$	1,545			$	51			$	207		$	545		$	-		$	4	$	236		$	2,588
		Six Months Ended March 31, 2015
		One- to				Multi-				Commercial			Construction			Commercial			Consumer		Unallocated			Total
		four-family				family				real estate			and land			business
		residential				residential							development
		(Dollars in Thousands)
	ALLL balance at September 30, 2014	$	1,663			$	67			$	122		$	323		$	15		$	4	$	231		$	2,425
	Charge-offs		(212	)			-				-			-			-			-		-			(212	)
	Recoveries		-				-				-			-			-			-		-			-
	Provision		94				(16	)			85			222			(15	)		-		5			375
	ALLL balance at March 31, 2015	$	1,545			$	51			$	207		$	545		$	-		$	4	$	236		$	2,588
		Three Months Ended March 31, 2014
		One- to				Multi-				Commercial			Construction			Commercial			Consumer		Unallocated			Total
		four-family				family				real estate			and land			business
		residential				residential							development
		(Dollars in Thousands)
	ALLL balance at December 31, 2013	$	1,302			$	26			$	51		$	757		$	4		$	1	$	212		$	2,353
	Charge-offs		-				-				-			-			-			-		-			-
	Recoveries		37				-				-			-			-			-		-			37
	Provision		86				38				90			(234	)		-			2		18			-
	ALLL balance at March 31, 2014	$	1,425			$	64			$	141		$	523		$	4		$	3	$	230		$	2,390
		Six Months Ended March 31, 2014
		One- to				Multi-				Commercial			Construction			Commercial			Consumer		Unallocated			Total
		four-family				family				real estate			and land			business
		residential				residential							development
		(Dollars in Thousands)
	ALLL balance at September 30, 2013	$	1,384			$	22			$	70		$	653		$	4		$	2	$	218		$	2,353
	Charge-offs		(10	)			-				-			-			-			-		-			(10	)
	Recoveries		47				-				-			-			-			-		-			47
	Provision		4				42				71			(130	)		-			1		12			-
	ALLL balance at March 31, 2014	$	1,425			$	64			$	141		$	523		$	4		$	3	$	230		$	2,390
Schedule of troubled debt restructurings
		Three Months Ended March 31, 2015
	(Dollars in Thousands)	Number of				Pre- Modification				Post-
		Loans				Outstanding				Modification
						Recorded				Outstanding
						Investment				Recorded
										Investment
	Commercial real estate		1			$	750			$	750
	Construction and land development		1				3,665				3,665
			2			$	4,415			$	4,415
		Six Months Ended March 31, 2015
	(Dollars in Thousands)	Number of				Pre- Modification				Post-
		Loans				Outstanding				Modification
						Recorded				Outstanding
						Investment				Recorded
										Investment
	Commercial real estate		1			$	750			$	750
	Construction and land development		1				3,665				3,665
			2			$	4,415			$	4,415
		Three Months Ended March 31, 2014
	(Dollars in Thousands)	Number of				Pre- Modification				Post-
		Loans				Outstanding				Modification
						Recorded				Outstanding
						Investment				Recorded
										Investment
	One-to-four family		1			$	1,468			$	1,468
			1			$	1,468			$	1,468
		Six Months Ended March 31, 2014
	(Dollars in Thousands)	Number of				Pre- Modification				Post-
		Loans				Outstanding				Modification
						Recorded				Outstanding
						Investment				Recorded
										Investment
	One-to-four family		1			$	1,468			$	1,468
			1			$	1,468			$	1,468

DEPOSITS_Tables

DEPOSITS (Tables)	6 Months Ended
	Mar. 31, 2015
Deposits [Abstract]
Schedule of major classifications of deposits		March 31,					September 30,
		2015					2014
		Amount		Percent			Amount		Percent
				(Dollars in Thousands)
	Money market deposit accounts	$	64,304		16.7	%	$	64,665		16.5	%
	Interest-bearing checking accounts		36,504		9.5			38,119		9.8
	Non interest-bearing checking accounts		2,465		0.6			2,327		0.6
	Passbook, club and statement savings		72,655		18.8			73,275		18.8
	Certificates maturing in six months or less		53,190		13.8			48,359		12.4
	Certificates maturing in more than six months		156,357		40.6			164,280		41.9
	Total	$	385,475		100	%	$	391,025		100	%

INCOME_TAXES_Tables

INCOME TAXES (Tables)	6 Months Ended
	Mar. 31, 2015
Income Tax Disclosure [Abstract]
Schedule of deferred income taxes		March 31,			September 30,
		2015			2014
	Deferred tax assets:	(Dollars in Thousands)
	Allowance for loan losses	$	1,205		$	1,123
	Nonaccrual interest		131			125
	Accrued vacation		111			108
	Capital loss carryforward		606			1,211
	Real estate owned expense		10			-
	Split dollar life insurance		20			20
	Post-retirement benefits		135			137
	Unrealized loss on available for sale securities		-			491
	Employee benefit plans		406			382
	Total deferred tax assets		2,624			3,597
	Valuation allowance		(606	)		(1,211	)
	Total deferred tax assets, net of valuation allowance		2,018			2,386
	Deferred tax liabilities:
	Property		418			422
	Unrealized gain on available for sale securities		53			-
	Deferred loan fees		761			833
	Total deferred tax liabilities		1,232			1,255
	Net deferred tax asset	$	786		$	1,131

STOCK_COMPENSATION_PLANS_Table

STOCK COMPENSATION PLANS (Tables)	6 Months Ended
	Mar. 31, 2015
Disclosure Of Compensation Related Costs, Share-Based Payments [Abstract]
Schedule of summary of the non-vested stock award activity		Six Months Ended
		31-Mar-15
					Weighted Average
		Number of			Grant Date Fair
		Shares (1)			Value
	Nonvested stock awards at October 1, 2014		38,055			$	8.07
	Issued		235,500				12.23
	Forfeited		-				-
	Vested		(9,578	)			8.07
	Nonvested stock awards at the March 31, 2015		263,977			$	12.07
		Six Months Ended
		31-Mar-14
					Weighted Average
		Number of			Grant Date Fair
		Shares			Value
	Nonvested stock awards at October 1, 2013		79,477			$	9.56
	Issued		-				-
	Forfeited		-				-
	Vested		(40,686	)			10.95
	Nonvested stock awards at the March 31, 2014		38,791			$	8.11
Schedule of summary of the status of the company' stock options under the stock option plan		Six Months Ended
		31-Mar-15
		Number of				Weighted Average
		Shares				Exercise Price
	Outstanding at October 1, 2014		530,084			$	10.86
	Granted		608,737				12.23
	Exercised		-				-
	Forfeited		-				-
	Outstanding at March 31, 2015		1,138,821			$	11.59
	Exercisable at March 31, 2015		445,147			$	11.37
		Six Months Ended
		31-Mar-14
		Number of				Weighted Average
		Shares (1)				Exercise Price
	Outstanding at October 1, 2013		516,739			$	10.86
	Granted		13,545				10.68
	Exercised		-				-
	Forfeited		-				-
	Outstanding at March 31, 2014		530,284			$	10.86
	Exercisable at March 31, 2014		415,733			$	11.57

FAIR_VALUE_MEASUREMENT_Tables

FAIR VALUE MEASUREMENT (Tables)	6 Months Ended
	Mar. 31, 2015
Fair Value Disclosures [Abstract]
Schedule of assets measured at fair value on recurring basis	Those assets as of March 31, 2015 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		$	-		$	18,725		$	-	$	18,725
	Mortgage-backed securities - U.S. Government agencies			-		52,286			-		52,286
	FHLMC preferred stock			61			-			-		61
	Total		$	61		$	71,011		$	-	$	71,072
	Those assets as of September 30, 2014 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		$	-		$	17,844		$	-	$	17,844
	Mortgage-backed securities - U.S. Government agencies			-			39,903			-		39,903
	FHLMC preferred stock			70			-			-		70
	Total		$	70		$	57,747		$	-	$	57,817
Schedule of summary of non-recurring fair value measurements			At March 31, 2015
			(Dollars in Thousands)
			Level 1			Level 2			Level 3		Total
	Impaired loans		$	-		$	-		$	21,475	$	21,475
	Total		$	-		$	-		$	21,475	$	21,475
			At September 30, 2014
			(Dollars in Thousands)
			Level 1			Level 2			Level 3		Total
	Impaired loans		$	-		$	-		$	21,980	$	21,980
	Total		$	-		$	-		$	21,980	$	21,980
Schedule of nonrecurring fair value measurements categorized within level 3 of the fair value hierarchy			At December 31, 2014
			(Dollars in Thousands)
			Fair Value		Valuation		Unobservable Input	Range/
					Technique			Weighted Ave.
	Impaired loans		$	21,475	Property appraisals (1) (3)		Management discount for selling costs, property type and market volatility (2)	10% discount
			At September 30, 2014
			(Dollars in Thousands)
			Fair Value		Valuation		Unobservable Input	Range /
					Technique			Weighted Ave.
	Impaired loans		$	21,980	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
									31-Mar-15
			Carrying			Fair			(Level 1)		(Level 2)		(Level 3)
			Amount			Value
			(Dollars in Thousands)
	Assets:
	Cash and cash equivalents		$	27,422		$	27,422		$	27,422	$	-	$	-
	Investment and mortgage-backed securities available for sale			71,072			71,072			61		71,011		-
	Investment and mortgage-backed securities held to maturity			73,603			74,289			-		74,289		-
	Loans receivable, net			327,855			329,477			-		-		329,477
	Accrued interest receivable			1,779			1,779			1,779		-		-
	Federal Home Loan Bank stock			350			350			350		-		-
	Bank owned life insurance			12,554			12,554			12,554		-		-
	Liabilities:
	Checking accounts			38,969			38,969			38,969		-		-
	Money market deposit accounts			64,304			64,304			64,304		-		-
	Passbook, club and statement savings accounts			72,655			72,655			72,655		-		-
	Certificates of deposit			209,547			214,749			-		-		214,749
	Advances from Federal Home Loan Bank			130			130			130		-		-
	Accrued interest payable			507			507			507		-		-
	Advances from borrowers for taxes and insurance			1,625			1,625			1,625		-		-
									Fair Value Measurements at
									30-Sep-14
			Carrying Amount			Fair			(Level 1)		(Level 2)		(Level 3)
						Value
			(Dollars in Thousands)
	Assets:
	Cash and cash equivalents		$	45,382		$	45,382		$	45,382	$	-	$	-
	Investment and mortgage-backed securities available for sale			57,817			57,817			70		57,747		-
	Investment and mortgage-backed securities held to maturity			80,840			79,092			-		79,092		-
	Loans receivable, net			321,063			321,247			-		-		321,247
	Accrued interest receivable			1,748			1,748			1,748		-		-
	Federal Home Loan Bank stock			1,221			1,221			1,221		-		-
	Bank owned life insurance			12,377			12,377			12,377		-		-
	Liabilities:
	Checking accounts			40,446			40,446			40,446		-		-
	Money market deposit accounts			64,665			64,665			64,665		-		-
	Passbook, club and statement savings accounts			73,275			73,275			73,275		-		-
	Certificates of deposit			212,639			217,273			-		217,273		-
	Advances from Federal Home Loan Bank			340			340			340		-		-
	Accrued interest payable			1,486			1,486			1,486		-		-
	Advances from borrowers for taxes and insurance			1,240			1,240			1,240		-		-

SIGNIFICANT_ACCOUNTING_POLICIE2

SIGNIFICANT ACCOUNTING POLICIES (Detail Textuals) (USD $)	6 Months Ended		0 Months Ended
	Mar. 31, 2015	Mar. 31, 2014	Oct. 09, 2013	Sep. 30, 2014
	Branch
Significant Accounting Policies [Line Items]
Common stock, par value	$0.01			$0.01
Number of full service branch offices	6
Purchase of treasury stock	-309,614
Purchase of treasury stock (309,614 shares)	$3,790,000
Philadelphia
Significant Accounting Policies [Line Items]
Number of full service branch offices	5
Pennsylvania
Significant Accounting Policies [Line Items]
Number of full service branch offices	1
Second Step Conversion
Significant Accounting Policies [Line Items]
Number of new shares sold			7,141,602
Common stock, par value			$0.01
Per share of new shares sold			$10
Value of new shares sold			$71,400,000
Additional outstanding shares of common stock			2,403,207
Number of shares for which the common stock exchanged			0.9442
Treasury stock cancelled			2,540,255

EARNINGS_PER_SHARE_Calculated_

EARNINGS PER SHARE - Calculated basic and diluted earnings per share (Details) (USD $)	3 Months Ended		6 Months Ended
In Thousands, except Share data, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2015	Mar. 31, 2014
Earnings per share - basic
Net income	$1,701	$535	$2,172	$873
Weighted average shares outstanding - basic	8,571,846	9,066,150	8,712,938	9,146,193
Effect of common stock equivalents - basic
Adjusted weighted average shares used in earnings per share computation - basic	8,571,846	9,066,150	8,712,938	9,146,193
Earnings per share - basic (in dollars per share)	$0.20	$0.06	$0.25	$0.10
Earnings per share - diluted
Net income	$1,701	$535	$2,172	$873
Weighted average shares outstanding - diluted	8,571,846	9,066,150	8,712,938	9,146,193
Effect of common stock equivalents - diluted	1,103,728	206,655	1,163,172	204,776
Adjusted weighted average shares used in earnings per share computation - diluted	9,675,574	9,272,805	9,876,110	9,350,969
Earnings per share - diluted (in dollars per share)	$0.18	$0.06	$0.22	$0.09

EARNINGS_PER_SHARE_Detail_Text

EARNINGS PER SHARE (Detail Textuals) (Stock Options, USD $)	6 Months Ended
	Mar. 31, 2014
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities excluded from computation of earnings per share	396,361
Minimum
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Exercise price for the stock options (in dollars per share)	10.71
Maximum
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Exercise price for the stock options (in dollars per share)	11.83

ACCUMULATED_OTHER_COMPREHENSIV2

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) - Changes in accumulated other comprehensive income (loss) by component net of tax (Details) (USD $)	3 Months Ended				6 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015		Mar. 31, 2014		Mar. 31, 2015		Mar. 31, 2014
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance					($953)
Total other comprehensive income	568		376		1,054		27
Ending Balance	101				101
Unrealized gains (losses) on available for sale securities
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance	-467	[1]	-1,641	[1]	-953	[1]	-1,292	[1]
Other comprehensive income before reclassification	568	[1]	552	[1]	1,054	[1]	198	[1]
Amount reclassified from accumulated other comprehensive income (loss)		[1]	-176	[1]		[1]		[1]
Total other comprehensive income	568	[1]	376	[1]	1,054	[1]	27	[1]
Ending Balance	$101	[1]	($1,265)	[1]	$101	[1]	($1,265)	[1]
[1]	All amounts are net of tax. Amounts in parentheses indicate debits.

ACCUMULATED_OTHER_COMPREHENSIV3

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) - Significant amounts reclassified out of each component of accumulated other comprehensive income (loss) (Details 1) (USD $)	3 Months Ended				6 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015		Mar. 31, 2014		Mar. 31, 2015		Mar. 31, 2014
Unrealized gains on available for sale securities
Gain on sale of securities available for sale	$861		$836		$1,597		$300
Income taxes	-293		-284		-543		-102
Unrealized gains on available for sale securities | Amount Reclassified from Accumulated Other Comprehensive Loss
Unrealized gains on available for sale securities
Gain on sale of securities available for sale		[1]	274	[1]		[1]	274	[1]
Income taxes		[1]	-93	[1]		[1]	-93	[1]
Net impairment losses recognized in earnings		[1]	-8	[1]		[1]	-15	[1]
Income taxes		[1]	3	[1]		[1]	5	[1]
Net of tax		[1]	$176	[1]		[1]	$171	[1]
[1]	Amounts in parentheses indicate debits to net income.

INVESTMENT_AND_MORTGAGEBACKED_2

INVESTMENT AND MORTGAGE-BACKED SECURITIES - Amortized cost and fair value of investment and mortgage-backed securities, with gross unrealized gains and losses (Details) (USD $)	Mar. 31, 2015	Sep. 30, 2014
In Thousands, unless otherwise specified
Securities Available for Sale:
Amortized Cost	$70,919	$59,262
Gross Unrealized Gains	553	252
Gross Unrealized Losses	-400	-1,697
Fair Value	71,072	57,817
Securities Held to Maturity:
Amortized Cost	73,603	80,840
Gross Unrealized Gains	1,638	1,632
Gross Unrealized Losses	-952	-3,380
Fair Value	74,289	79,092
Debt securities available for sale
Securities Available for Sale:
Amortized Cost	70,913	59,256
Gross Unrealized Gains	498	188
Gross Unrealized Losses	-400	-1,697
Fair Value	71,011	57,747
U.S. government and agency obligations
Securities Available for Sale:
Amortized Cost	18,987	18,987
Gross Unrealized Gains
Gross Unrealized Losses	-262	-1,143
Fair Value	18,725	17,844
Securities Held to Maturity:
Amortized Cost	60,924	66,919
Gross Unrealized Gains	559	502
Gross Unrealized Losses	-949	-3,270
Fair Value	60,534	64,151
Mortgage-backed securities - US government agencies
Securities Available for Sale:
Amortized Cost	51,926	40,269
Gross Unrealized Gains	498	188
Gross Unrealized Losses	-138	-554
Fair Value	52,286	39,903
Securities Held to Maturity:
Amortized Cost	12,679	13,921
Gross Unrealized Gains	1,079	1,130
Gross Unrealized Losses	-3	-110
Fair Value	13,755	14,941
FHLMC preferred stock
Securities Available for Sale:
Amortized Cost	6	6
Gross Unrealized Gains	55	64
Gross Unrealized Losses
Fair Value	$61	$70

INVESTMENT_AND_MORTGAGEBACKED_3

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 $)	Mar. 31, 2015	Sep. 30, 2014
In Thousands, unless otherwise specified
Securities Available for Sale:
Less than 12 months - Gross Unrealized Losses	($139)	($184)
Less than 12 months - Fair value	15,824	16,437
More than 12 months - Gross Unrealized Losses	-261	-1,513
More than 12 months - Fair value	19,729	31,146
Gross Unrealized Losses - Total	-400	-1,697
Fair Value - Total	35,553	47,583
Securities Held to Maturity:
Less than 12 months - Gross Unrealized Losses	-4	-73
Less than 12 months - Fair value	2,496	6,408
More than 12 months - Gross Unrealized Losses	-948	-3,307
More than 12 months - Fair value	48,010	53,785
Gross Unrealized Losses -Total	-952	-3,380
Fair Value - Total	50,506	60,193
Less than 12 months - Gross Unrealized Losses	-143	-257
Less than 12 months - Fair Value	18,320	22,845
More than 12 months - Gross Unrealized Losses	-1,209	-4,820
More than 12 months - Fair Value	67,739	84,931
Gross Unrealized Losses - Total	-1,352	-5,077
Fair Value - Total	86,059	107,776
U.S. government and agency obligations
Securities Available for Sale:
Less than 12 months - Gross Unrealized Losses	-57
Less than 12 months - Fair value	4,939
More than 12 months - Gross Unrealized Losses	-205	-1,143
More than 12 months - Fair value	13,786	17,843
Gross Unrealized Losses - Total	-262	-1,143
Fair Value - Total	18,725	17,843
Securities Held to Maturity:
Less than 12 months - Gross Unrealized Losses	-4	-73
Less than 12 months - Fair value	2,496	6,408
More than 12 months - Gross Unrealized Losses	-945	-3,197
More than 12 months - Fair value	45,507	49,243
Gross Unrealized Losses -Total	-949	-3,270
Fair Value - Total	48,003	55,651
Mortgage-backed securities - US government agencies
Securities Available for Sale:
Less than 12 months - Gross Unrealized Losses	-82	-184
Less than 12 months - Fair value	10,885	16,437
More than 12 months - Gross Unrealized Losses	-56	-370
More than 12 months - Fair value	5,943	13,303
Gross Unrealized Losses - Total	-138	-554
Fair Value - Total	16,828	29,740
Securities Held to Maturity:
Less than 12 months - Gross Unrealized Losses
Less than 12 months - Fair value
More than 12 months - Gross Unrealized Losses	-3	-110
More than 12 months - Fair value	2,503	4,542
Gross Unrealized Losses -Total	-3	-110
Fair Value - Total	$2,503	$4,542

INVESTMENT_AND_MORTGAGEBACKED_4

INVESTMENT AND MORTGAGE-BACKED SECURITIES - Rollforward of amounts recognized in earnings related to credit losses on securities (Details 2) (USD $)	6 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Roll Forward]
Credit component of OTTI, Beginning Balance	$1,606	$1,599
Additions for credit-related OTTI charges on previously unimpaired securities
Additional increase as a result of impairment charges recognized on investments for which an OTTI charge was previously recognized	8	15
Credit component of OTTI, Ending Balance	$1,614	$1,614

INVESTMENT_AND_MORTGAGEBACKED_5

INVESTMENT AND MORTGAGE-BACKED SECURITIES - Amortized cost and fair value of debt securities, by contractual maturity (Details 3) (USD $)	Mar. 31, 2015
In Thousands, unless otherwise specified
Held to Maturity, Amortized Cost
Due within one year
Due after one through five years	2,982
Due after five through ten years	7,500
Due after ten years	63,121
Total	73,603
Held to Maturity, Fair Value
Due within one year
Due after one through five years	3,296
Due after five through ten years	7,430
Due after ten years	63,563
Total	74,289
Available for Sale, Amortized Cost
Due within one year
Due after one through five years
Due after five through ten years	4,051
Due after ten years	66,868
Total	70,919
Available for Sale, Fair Value
Due within one year
Due after one through five years
Due after five through ten years	3,999
Due after ten years	67,073
Total	$71,072

INVESTMENT_AND_MORTGAGEBACKED_6

INVESTMENT AND MORTGAGE-BACKED SECURITIES (Detail Textuals) (USD $)	3 Months Ended	6 Months Ended
	Mar. 31, 2014	Mar. 31, 2014	Mar. 31, 2015
			Security
Marketable Securities [Line Items]
Investment securities sold	$1,300,000	$1,300,000
Recorded gross gain	$274,000	$274,000
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			6
Number of investment securities in debt obligations in the category of loss position more than 12 months held by company			24
U.S. Agency Issued Mortgage-Backed 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			11
Number of investment securities in debt obligations in the category of loss position more than 12 months held by company			19

LOANS_RECEIVABLE_Summary_of_Lo

LOANS RECEIVABLE - Summary of Loans receivable (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013
In Thousands, unless otherwise specified
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for loan losses	($2,588)		($2,425)
Net loans	327,855		321,063
Loans Receivable
Accounts, Notes, Loans and Financing Receivable [Line Items]
One-to-four family residential	276,319		282,637
Multi-family residential	5,684		7,174
Commercial real estate	25,411		16,113
Construction and land development	43,598		22,397
Commercial business			1,976
Consumer	371		399
Total loans	351,383		330,696
Undisbursed portion of loans-in-process	-23,178		-9,657
Deferred loan costs	2,238		2,449
Allowance for loan losses	-2,588	-2,500	-2,425	-2,390	-2,353	-2,353
Net loans	$327,855		$321,063

Recovered_Sheet1

LOANS RECEIVABLE - Summary of loans individually evaluated for impairment by loan segment (Details 1) (USD $)	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013
In Thousands, unless otherwise specified
Allowance for Loan Losses:
Total ending allowance balance	$2,588		$2,425
Loans Receivable
Allowance for Loan Losses:
Individually evaluated for impairment
Collectively evaluated for impairment	2,588		2,425
Total ending allowance balance	2,588	2,500	2,425	2,390	2,353	2,353
Loans
Individually evaluated for impairment	21,475		21,980
Collectively evaluated for impairment	329,908		308,716
Total loans	351,383		330,696
Loans Receivable | One-to-four family residential
Allowance for Loan Losses:
Individually evaluated for impairment
Collectively evaluated for impairment	1,545		1,663
Total ending allowance balance	1,545	1,492	1,663	1,425	1,302	1,384
Loans
Individually evaluated for impairment	9,438		10,436
Collectively evaluated for impairment	266,881		272,201
Total loans	276,319		282,637
Loans Receivable | Multi-family residential
Allowance for Loan Losses:
Individually evaluated for impairment
Collectively evaluated for impairment	51		67
Total ending allowance balance	51	51	67	64	26	22
Loans
Individually evaluated for impairment	359		368
Collectively evaluated for impairment	5,325		6,806
Total loans	5,684		7,174
Loans Receivable | Commercial real estate
Allowance for Loan Losses:
Individually evaluated for impairment
Collectively evaluated for impairment	207		122
Total ending allowance balance	207	216	122	141	51	70
Loans
Individually evaluated for impairment	3,752		3,777
Collectively evaluated for impairment	21,659		12,336
Total loans	25,411		16,113
Loans Receivable | Construction and land development
Allowance for Loan Losses:
Individually evaluated for impairment
Collectively evaluated for impairment	545		323
Total ending allowance balance	545	493	323	523	757	653
Loans
Individually evaluated for impairment	7,926		7,399
Collectively evaluated for impairment	35,672		14,998
Total loans	43,598		22,397
Loans Receivable | Commercial business
Allowance for Loan Losses:
Individually evaluated for impairment
Collectively evaluated for impairment			15
Total ending allowance balance		5	15	4	4	4
Loans
Individually evaluated for impairment
Collectively evaluated for impairment			1,976
Total loans			1,976
Loans Receivable | Consumer
Allowance for Loan Losses:
Individually evaluated for impairment
Collectively evaluated for impairment	4		4
Total ending allowance balance	4	4	4	3	1	2
Loans
Individually evaluated for impairment
Collectively evaluated for impairment	371		399
Total loans	371		399
Loans Receivable | Unallocated
Allowance for Loan Losses:
Individually evaluated for impairment
Collectively evaluated for impairment	236		231
Total ending allowance balance	236	239	231	230	212	218
Loans
Individually evaluated for impairment
Collectively evaluated for impairment
Total loans

LOANS_RECEIVABLE_Impaired_loan

LOANS RECEIVABLE - Impaired loans by class, segregated by those for which specific allowance was required and those for which specific allowance was not necessary (Details 2) (Loans Receivable, USD $)	Mar. 31, 2015	Sep. 30, 2014
In Thousands, unless otherwise specified
Financing Receivable, Impaired [Line Items]
Impaired Loans with Specific Allowance - Recorded Investment
Impaired Loans with Specific Allowance - Related Allowance
Impaired Loans with No Specific Allowance - Recorded Investment	21,475	21,980
Total Impaired Loans - Recorded Investment	21,475	21,980
Total impaired loans - Unpaid Principal Balance	22,173	22,679
One-to-four family residential
Financing Receivable, Impaired [Line Items]
Impaired Loans with Specific Allowance - Recorded Investment
Impaired Loans with Specific Allowance - Related Allowance
Impaired Loans with No Specific Allowance - Recorded Investment	9,438	10,436
Total Impaired Loans - Recorded Investment	9,438	10,436
Total impaired loans - Unpaid Principal Balance	10,136	11,135
Multi-family residential
Financing Receivable, Impaired [Line Items]
Impaired Loans with Specific Allowance - Recorded Investment
Impaired Loans with Specific Allowance - Related Allowance
Impaired Loans with No Specific Allowance - Recorded Investment	359	368
Total Impaired Loans - Recorded Investment	359	368
Total impaired loans - Unpaid Principal Balance	359	368
Commercial real estate
Financing Receivable, Impaired [Line Items]
Impaired Loans with Specific Allowance - Recorded Investment
Impaired Loans with Specific Allowance - Related Allowance
Impaired Loans with No Specific Allowance - Recorded Investment	3,752	3,777
Total Impaired Loans - Recorded Investment	3,752	3,777
Total impaired loans - Unpaid Principal Balance	3,752	3,777
Construction and land development
Financing Receivable, Impaired [Line Items]
Impaired Loans with Specific Allowance - Recorded Investment
Impaired Loans with Specific Allowance - Related Allowance
Impaired Loans with No Specific Allowance - Recorded Investment	7,926	7,399
Total Impaired Loans - Recorded Investment	7,926	7,399
Total impaired loans - Unpaid Principal Balance	$7,926	$7,399

LOANS_RECEIVABLE_Average_recor

LOANS RECEIVABLE - Average recorded investment in impaired loans and related interest income recognized (Details 3) (Loans Receivable, USD $)	3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2015	Mar. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Average Recorded Investment	$21,930	$13,789	$21,934	$14,214
Income Recognized on Accrual Basis	287	102	588	226
Income Recognized on Cash Basis	130	37	176	65
One-to-four family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Average Recorded Investment	10,068	10,926	10,179	10,869
Income Recognized on Accrual Basis	124	96	263	167
Income Recognized on Cash Basis	42	30	77	51
Multi-family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Average Recorded Investment	361	378	363	380
Income Recognized on Accrual Basis	6	6	13	13
Income Recognized on Cash Basis
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Average Recorded Investment	3,758	1,538	3,764	1,932
Income Recognized on Accrual Basis	51		102	10
Income Recognized on Cash Basis	24	7	35	14
Construction and land development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Average Recorded Investment	7,743	947	7,628	1,033
Income Recognized on Accrual Basis	106		210	36
Income Recognized on Cash Basis	$64		$64

LOANS_RECEIVABLE_Summary_of_cl

LOANS RECEIVABLE - Summary of classes of loan portfolio in which formal risk weighting system is used (Details 4) (Loans Receivable, USD $)	Mar. 31, 2015	Sep. 30, 2014
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment [Line Items]
Total loans	$351,383	$330,696
One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total loans	276,319	282,637
Multi-family residential
Financing Receivable, Recorded Investment [Line Items]
Total loans	5,684	7,174
Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total loans	25,411	16,113
Construction and land development
Financing Receivable, Recorded Investment [Line Items]
Total loans	43,598	22,397
Commercial business
Financing Receivable, Recorded Investment [Line Items]
Total loans		1,976
Consumer Loans
Financing Receivable, Recorded Investment [Line Items]
Total loans	371	399
Risk Rating System
Financing Receivable, Recorded Investment [Line Items]
Total loans	84,131	59,724
Risk Rating System | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total loans	9,438	11,945
Risk Rating System | Multi-family residential
Financing Receivable, Recorded Investment [Line Items]
Total loans	5,684	7,174
Risk Rating System | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total loans	25,411	16,113
Risk Rating System | Construction and land development
Financing Receivable, Recorded Investment [Line Items]
Total loans	43,598	22,397
Risk Rating System | Commercial business
Financing Receivable, Recorded Investment [Line Items]
Total loans		1,976
Risk Rating System | Consumer Loans
Financing Receivable, Recorded Investment [Line Items]
Total loans		119
Risk Rating System | Pass
Financing Receivable, Recorded Investment [Line Items]
Total loans	66,311	35,127
Risk Rating System | Pass | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total loans	2,770
Risk Rating System | Pass | Multi-family residential
Financing Receivable, Recorded Investment [Line Items]
Total loans	5,325	6,806
Risk Rating System | Pass | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total loans	22,543	11,347
Risk Rating System | Pass | Construction and land development
Financing Receivable, Recorded Investment [Line Items]
Total loans	35,673	14,998
Risk Rating System | Pass | Commercial business
Financing Receivable, Recorded Investment [Line Items]
Total loans		1,976
Risk Rating System | Pass | Consumer Loans
Financing Receivable, Recorded Investment [Line Items]
Total loans
Risk Rating System | Special Mention
Financing Receivable, Recorded Investment [Line Items]
Total loans		2,617
Risk Rating System | Special Mention | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total loans		1,509
Risk Rating System | Special Mention | Multi-family residential
Financing Receivable, Recorded Investment [Line Items]
Total loans
Risk Rating System | Special Mention | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total loans		989
Risk Rating System | Special Mention | Construction and land development
Financing Receivable, Recorded Investment [Line Items]
Total loans
Risk Rating System | Special Mention | Commercial business
Financing Receivable, Recorded Investment [Line Items]
Total loans
Risk Rating System | Special Mention | Consumer Loans
Financing Receivable, Recorded Investment [Line Items]
Total loans		119
Risk Rating System | Substandard
Financing Receivable, Recorded Investment [Line Items]
Total loans	17,820	21,980
Risk Rating System | Substandard | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total loans	6,668	10,436
Risk Rating System | Substandard | Multi-family residential
Financing Receivable, Recorded Investment [Line Items]
Total loans	359	368
Risk Rating System | Substandard | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total loans	2,868	3,777
Risk Rating System | Substandard | Construction and land development
Financing Receivable, Recorded Investment [Line Items]
Total loans	7,925	7,399
Risk Rating System | Substandard | Commercial business
Financing Receivable, Recorded Investment [Line Items]
Total loans
Risk Rating System | Substandard | Consumer Loans
Financing Receivable, Recorded Investment [Line Items]
Total loans

LOANS_RECEIVABLE_Loans_in_whic

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) (Loans Receivable, USD $)	Mar. 31, 2015	Sep. 30, 2014
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment [Line Items]
Total loans	$351,383	$330,696
One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total loans	276,319	282,637
Consumer
Financing Receivable, Recorded Investment [Line Items]
Total loans	371	399
Non Risk Rating System
Financing Receivable, Recorded Investment [Line Items]
Total loans	267,252	270,972
Non Risk Rating System | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total loans	266,881	270,692
Non Risk Rating System | Consumer
Financing Receivable, Recorded Investment [Line Items]
Total loans	371	280
Non Risk Rating System | Performing
Financing Receivable, Recorded Investment [Line Items]
Total loans	267,252	270,972
Non Risk Rating System | Performing | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total loans	266,881	270,692
Non Risk Rating System | Performing | Consumer
Financing Receivable, Recorded Investment [Line Items]
Total loans	371	280
Non Risk Rating System | Nonperforming
Financing Receivable, Recorded Investment [Line Items]
Total loans
Non Risk Rating System | Nonperforming | One-to-four family residential
Financing Receivable, Recorded Investment [Line Items]
Total loans
Non Risk Rating System | Nonperforming | Consumer
Financing Receivable, Recorded Investment [Line Items]
Total loans

LOANS_RECEIVABLE_Loan_categori

LOANS RECEIVABLE - Loan categories of loan portfolio summarized by aging categories of performing loans and nonaccrual loans (Details 6) (Loans Receivable, USD $)	Mar. 31, 2015	Sep. 30, 2014
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	$346,750	$326,775
30-89 Days Past Due	802	475
90 Days + Past Due	3,831	3,446
90 Days+ Past Due and Accruing
Total Past Due and Accruing	802	475
Total Loans	351,383	330,696
Non- Accrual	15,587	5,879
One-to-four family residential
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	271,755	278,716
30-89 Days Past Due	733	475
90 Days + Past Due	3,831	3,446
90 Days+ Past Due and Accruing
Total Past Due and Accruing	733	475
Total Loans	276,319	282,637
Non- Accrual	5,362	5,002
Multi-family residential
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	5,684	7,174
30-89 Days Past Due
90 Days + Past Due
90 Days+ Past Due and Accruing
Total Past Due and Accruing
Total Loans	5,684	7,174
Non- Accrual
Commercial real estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	25,342	16,113
30-89 Days Past Due	69
90 Days + Past Due
90 Days+ Past Due and Accruing
Total Past Due and Accruing	69
Total Loans	25,411	16,113
Non- Accrual	2,299	877
Construction and land development
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	43,598	22,397
30-89 Days Past Due
90 Days + Past Due
90 Days+ Past Due and Accruing
Total Past Due and Accruing
Total Loans	43,598	22,397
Non- Accrual	7,926
Commercial business
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current		1,976
30-89 Days Past Due
90 Days + Past Due
90 Days+ Past Due and Accruing
Total Past Due and Accruing
Total Loans		1,976
Non- Accrual
Consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	371	399
30-89 Days Past Due
90 Days + Past Due
90 Days+ Past Due and Accruing
Total Past Due and Accruing
Total Loans	371	399
Non- Accrual

LOANS_RECEIVABLE_Activity_in_a

LOANS RECEIVABLE - Activity in allowance (Details 7) (USD $)	3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2015	Mar. 31, 2014
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance			$2,425
Provision	300		375
ALLL balance	2,588		2,588
Loans Receivable
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	2,500	2,353	2,425	2,353
Charge-offs	-212		-212	-10
Recoveries		37		47
Provision	300		375
ALLL balance	2,588	2,390	2,588	2,390
Loans Receivable | One- to four-family residential
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	1,492	1,302	1,663	1,384
Charge-offs	-212		-212	-10
Recoveries		37		47
Provision	265	86	94	4
ALLL balance	1,545	1,425	1,545	1,425
Loans Receivable | Multi-family residential
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	51	26	67	22
Charge-offs
Recoveries
Provision		38	-16	42
ALLL balance	51	64	51	64
Loans Receivable | Commercial real estate
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	216	51	122	70
Charge-offs
Recoveries
Provision	-9	90	85	71
ALLL balance	207	141	207	141
Loans Receivable | Construction and land development
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	493	757	323	653
Charge-offs
Recoveries
Provision	52	-234	222	-130
ALLL balance	545	523	545	523
Loans Receivable | Commercial business
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	5	4	15	4
Charge-offs
Recoveries
Provision	-5		-15
ALLL balance		4		4
Loans Receivable | Consumer
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	4	1	4	2
Charge-offs
Recoveries
Provision		2		1
ALLL balance	4	3	4	3
Loans Receivable | Unallocated
Allowance for Loan and Lease Losses [Roll Forward]
ALLL balance	239	212	231	218
Charge-offs
Recoveries
Provision	-3	18	5	12
ALLL balance	$236	$230	$236	$230

LOANS_RECEIVABLE_Troubled_debt

LOANS RECEIVABLE - Troubled debt restructurings (Details 8) (Loans Receivable, USD $)	3 Months Ended		6 Months Ended
	Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2015	Mar. 31, 2014
	Contract	Contract	Contract	Contract
Financing Receivable, Allowance For Credit Losses [Line Items]
Number of Loans	2	1	2	1
Pre- Modification Outstanding Recorded Investment	$4,415,000	$1,468,000	$4,415,000	$1,468,000
Post-Modification Outstanding Recorded Investment	4,415,000	1,468,000	4,415,000	1,468,000
One-to-four family
Financing Receivable, Allowance For Credit Losses [Line Items]
Number of Loans		1		1
Pre- Modification Outstanding Recorded Investment		1,468,000		1,468,000
Post-Modification Outstanding Recorded Investment		1,468,000		1,468,000
Commercial real estate
Financing Receivable, Allowance For Credit Losses [Line Items]
Number of Loans	1		1
Pre- Modification Outstanding Recorded Investment	750,000		750,000
Post-Modification Outstanding Recorded Investment	750,000		750,000
Construction and land development
Financing Receivable, Allowance For Credit Losses [Line Items]
Number of Loans	1		1
Pre- Modification Outstanding Recorded Investment	3,665,000		3,665,000
Post-Modification Outstanding Recorded Investment	$3,665,000		$3,665,000

LOANS_RECEIVABLE_Detail_Textua

LOANS RECEIVABLE (Detail Textuals) (Loans Receivable, USD $)	3 Months Ended		6 Months Ended
	Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2015	Mar. 31, 2014
	Contract	Contract	Contract	Contract
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans			10
Pre-Modification Outstanding Recorded Investment			$8,200,000
Number of Loans	2	1	2	1
Pre-Modification Outstanding Recorded Investment	4,415,000	1,468,000	4,415,000	1,468,000
One- to four-family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans		1		1
Pre-Modification Outstanding Recorded Investment		1,468,000		1,468,000
Single family real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans			2
Pre-Modification Outstanding Recorded Investment			1,600,000
Single family real estate | Nonperforming
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans			1
Pre-Modification Outstanding Recorded Investment			1,400,000
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans			7
Pre-Modification Outstanding Recorded Investment			3,000,000
Number of Loans	1		1
Pre-Modification Outstanding Recorded Investment	750,000		750,000
Commercial real estate | Nonperforming
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans			2
Pre-Modification Outstanding Recorded Investment			4,500,000
Commercial real estate | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans			1
Pre-Modification Outstanding Recorded Investment			884,000
Construction and land development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans	1		1
Pre-Modification Outstanding Recorded Investment	3,665,000		3,665,000
Construction and land development | Nonperforming
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of Loans			1
Pre-Modification Outstanding Recorded Investment			$3,100,000

DEPOSITS_Major_classifications

DEPOSITS - Major classifications of deposits (Details) (USD $)	Mar. 31, 2015	Sep. 30, 2014
In Thousands, unless otherwise specified
Amount
Money market deposit accounts	$64,304	$64,665
Interest-bearing checking accounts	36,504	38,119
Non-interest bearing checking accounts	2,465	2,327
Passbook, club and statement savings	72,655	73,275
Certificates maturing in six months or less	53,190	48,359
Certificates maturing in more than six months	156,357	164,280
Total deposits	$385,475	$391,025
Percent
Money market deposit accounts	16.70%	16.50%
Interest-bearing checking accounts	9.50%	9.80%
Non-interest bearing checking accounts	0.60%	0.60%
Passbook, club and statement savings	18.80%	18.80%
Certificates maturing in six months or less	13.80%	12.40%
Certificates maturing in more than six months	40.60%	41.90%
Total	100.00%	100.00%

DEPOSITS_Detail_Textuals

DEPOSITS (Detail Textuals) (USD $)	Mar. 31, 2015	Sep. 30, 2014
In Millions, unless otherwise specified
Deposits [Abstract]
Certificates of $250,000 and over	$35.50	$33.10

INCOME_TAXES_Items_that_gave_r

INCOME TAXES - Items that gave rise to significant portions of deferred income taxes (Details) (USD $)	Mar. 31, 2015	Sep. 30, 2014
In Thousands, unless otherwise specified
Deferred tax assets:
Allowance for loan losses	$1,205	$1,123
Nonaccrual interest	131	125
Accrued vacation	111	108
Capital loss carryforward	606	1,211
Real estate owned expense	10
Split dollar life insurance	20	20
Post-retirement benefits	135	137
Unrealized loss on available for sale securities		491
Employee benefit plans	406	382
Total deferred tax assets	2,624	3,597
Valuation allowance	-606	-1,211
Total deferred tax assets, net of valuation allowance	2,018	2,386
Deferred tax liabilities:
Property	418	422
Unrealized gain on available for sale securities	53
Deferred loan fees	761	833
Total deferred tax liabilities	1,232	1,255
Net deferred tax asset	$786	$1,131

INCOME_TAXES_Detail_Textuals

INCOME TAXES (Detail Textuals) (USD $)	Mar. 31, 2015	Sep. 30, 2014
In Thousands, unless otherwise specified
Income Tax Disclosure [Abstract]
Valuation allowance	$606	$1,211

STOCK_COMPENSATION_PLANS_Summa

STOCK COMPENSATION PLANS - Summary of non-vested stock award activity (Details) (Recognition and Retention Plan (RRP), USD $)	6 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Number of Shares
Vested	185,052
Nonvested Stock Awards
Number of Shares
Nonvested stock awards, Beginning Balance	38,055	79,477
Issued	235,500
Forfeited
Vested	-9,578	-40,686
Nonvested stock awards, Ending Balance	263,977	38,791
Weighted Average Grant Date Fair Value
Nonvested stock awards, Beginning Balance	$8.07	$9.56
Issued	$12.23
Forfeited
Vested	$8.07	$10.95
Nonvested stock awards, Ending Balance	$12.07	$8.11

STOCK_COMPENSATION_PLANS_Summa1

STOCK COMPENSATION PLANS - Summary of status of stock options under Stock Option Plan (Details 1) (Stock Options Plan, Stock Options, USD $)	6 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Stock Options Plan | Stock Options
Number of Shares
Stock Option Outstanding, Beginning Balance	530,084	516,739
Granted	608,737	13,545
Exercised
Forfeited
Stock Option Outstanding, Ending Balance	1,138,821	530,284
Exercisable	445,147	415,733
Weighted Average Exercise Price
Weighted Average Shares Exercise Price Outstanding, Beginning Balance	$10.86	$10.86
Granted	$12.23	$10.68
Exercised
Forfeited
Weighted Average Exercise Price Outstanding, Ending Balance	$11.59	$10.86
Exercisable	$11.37	$11.57

STOCK_COMPENSATION_PLANS_Detai

STOCK COMPENSATION PLANS (Detail Textuals) (USD $)	6 Months Ended		1 Months Ended		12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014	Jan. 31, 2014	Dec. 31, 2013	Sep. 30, 2005
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]
ESOP shares committed to be released, shares	17,756	17,756
Compensation expense of ESOP	$238,000	$165,000
Employee Stock Ownership Plan ESOP Plan
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]
Number of common shares purchased under employee stock ownership plan (ESOP)	697,301		30,100	255,564	427,057
Aggregate cost of common stock purchased under employee stock ownership plan (ESOP)			$3,100,000		$4,500,000
Number of shares allocated from suspense account to participants	222,801
ESOP shares committed to be released, shares	8,878

STOCK_COMPENSATION_PLANS_Detai1

STOCK COMPENSATION PLANS (Detail Textuals 1) (USD $)	3 Months Ended	6 Months Ended	1 Months Ended
	Mar. 31, 2015	Mar. 31, 2015	Feb. 28, 2015
Recognition and Retention Plan (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		$2,500,000
Average price per share of common stock purchased in the open market	$11.49	$11.49
Percentage of vesting per year		20.00%
Vesting period of awards granted		5 years
Number of fully vested shares		185,052
Recognized compensation expense	25,000	141,000
Tax benefit (expense) from stock-based compensation	1,000	39,000
2014 Stock Incentive Plan | Restricted stock awards or units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Maximum number of shares awarded under the plan			285,655
Number of shares granted			235,500
2008 RRP and 2014 SIP
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Recognized compensation expense	84,000	105,000
Tax benefit (expense) from stock-based compensation	29,000	36,000
Unrecognized compensation expense for shares awarded	$3,000,000	$3,000,000

STOCK_COMPENSATION_PLANS_Detai2

STOCK COMPENSATION PLANS (Detail Textuals 2) (Stock Options, USD $)	3 Months Ended		6 Months Ended		12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014	Mar. 31, 2015	Mar. 31, 2014	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2010	Sep. 30, 2009
2008 Stock Option Plan
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 vested options			417,767
Number of options awarded			608,737	13,545
Weighted average remaining contractual term for options outstanding			7 years 6 months
Estimated fair value of options granted per share			$4.58		$4.67	$3.34	$2.92	$2.98
Fair value, valuation method			Black-Scholes pricing model
Exercise price and fair value	$12.23		$12.23
Expected term			7 years
Volatility rate			38.16%
Expected interest rate			1.62%
Expected yield			0.98%
Recognized compensation expense	$86,000	$27,000	$111,000	$106,000
Tax benefit from stock-based compensation	9,000	3,000	12,000	11,000
Unrecognized compensation expense for options	$3,000,000		$3,000,000
Weighted average period for expense recognize			4 years 8 months 12 days
2014 Stock Incentive Plan
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 options awarded			605,000

COMMITMENTS_AND_CONTINGENT_LIA1

COMMITMENTS AND CONTINGENT LIABILITIES (Detail Textuals) (USD $)	6 Months Ended	12 Months Ended
	Mar. 31, 2015	Sep. 30, 2014
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Outstanding commitments	60,000
Loans Receivable
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Aggregate undisbursed portion of loans-in-process	23,178,000	9,657,000
Loan Origination Commitments
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Outstanding commitments	4,800,000	25,300,000
Loan Origination Commitments | Minimum
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Market interest rate on fixed and variable rate loans	3.25%	3.25%
Loan Origination Commitments | Maximum
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Market interest rate on fixed and variable rate loans	8.00%	6.00%
Unused lines of Credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Outstanding commitments	4,300,000	4,300,000
Letters of Credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Outstanding commitments	609,000	609,000

FAIR_VALUE_MEASUREMENT_Assets_

FAIR VALUE MEASUREMENT - Assets measured at fair value on recurring basis (Details) (USD $)	Mar. 31, 2015	Sep. 30, 2014
In Thousands, unless otherwise specified
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment and mortgage-backed securities available for sale	$71,072	$57,817
U.S. Government and agency obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment and mortgage-backed securities available for sale	18,725	17,844
Mortgage-backed securities - U.S. Government agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment and mortgage-backed securities available for sale	52,286	39,903
FHLMC preferred stock
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment and mortgage-backed securities available for sale	61	70
Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment and mortgage-backed securities available for sale	71,072	57,817
Fair Value, Measurements, Recurring | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment and mortgage-backed securities available for sale	61	70
Fair Value, Measurements, Recurring | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment and mortgage-backed securities available for sale	71,011	57,747
Fair Value, Measurements, Recurring | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment and mortgage-backed securities available for sale
Fair Value, Measurements, Recurring | U.S. Government and agency obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment and mortgage-backed securities available for sale	18,725	17,844
Fair Value, Measurements, Recurring | U.S. Government and agency obligations | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment and mortgage-backed securities available for sale
Fair Value, Measurements, Recurring | U.S. Government and agency obligations | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment and mortgage-backed securities available for sale	18,725	17,844
Fair Value, Measurements, Recurring | U.S. Government and agency obligations | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment and mortgage-backed securities available for sale
Fair Value, Measurements, Recurring | Mortgage-backed securities - U.S. Government agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment and mortgage-backed securities available for sale	52,286	39,903
Fair Value, Measurements, Recurring | Mortgage-backed securities - U.S. Government agencies | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment and mortgage-backed securities available for sale
Fair Value, Measurements, Recurring | Mortgage-backed securities - U.S. Government agencies | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment and mortgage-backed securities available for sale	52,286	39,903
Fair Value, Measurements, Recurring | Mortgage-backed securities - U.S. Government agencies | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment and mortgage-backed securities available for sale
Fair Value, Measurements, Recurring | FHLMC preferred stock
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment and mortgage-backed securities available for sale	61	70
Fair Value, Measurements, Recurring | FHLMC preferred stock | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment and mortgage-backed securities available for sale	61	70
Fair Value, Measurements, Recurring | FHLMC preferred stock | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment and mortgage-backed securities available for sale
Fair Value, Measurements, Recurring | FHLMC preferred stock | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment and mortgage-backed securities available for sale

FAIR_VALUE_MEASUREMENT_Changes

FAIR VALUE MEASUREMENT - Changes in level 3 assets measured at fair value (Details 1) (Fair Value, Measurements, Nonrecurring, USD $)	Mar. 31, 2015	Sep. 30, 2014
In Thousands, unless otherwise specified
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	$21,475	$21,980
Total	21,475	21,980
Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans
Total
Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans
Total
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	21,475	21,980
Total	$21,475	$21,980

FAIR_VALUE_MEASUREMENT_Valuati

FAIR VALUE MEASUREMENT - Valuation processes used to determine nonrecurring fair value measurements categorized within level 3 (Details 2) (Fair Value, Measurements, Nonrecurring, USD $)	6 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015		Sep. 30, 2014
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value	21,475		21,980
Level 3
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value	21,475		21,980
Level 3 | Impaired loan
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value	21,475		21,980
Level 3 | Impaired loan | Property Appraisals Valuation Technique
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Valuation Technique	Property appraisals	[1],[2]	Property appraisals	[1],[2]
Unobservable Input	Management discount for selling costs, property type and market volatility	[3]	Management discount for selling costs, property type and market volatility	[3]
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_Assets_1

FAIR VALUE MEASUREMENT - Assets measured at fair value on a non-recurring basis and the adjustments to the carrying value (Details 3) (USD $)	Mar. 31, 2015	Sep. 30, 2014	Mar. 31, 2014	Sep. 30, 2013
In Thousands, unless otherwise specified
Assets:
Cash and cash equivalents	$27,422	$45,382	$51,352	$158,984
Investment and mortgage-backed securities available for sale	71,072	57,817
Investment and mortgage-backed securities held to maturity	73,603	80,840
Loans receivable, net	327,855	321,063
Accrued interest receivable	1,779	1,748
Federal Home Loan Bank stock	350	1,221
Bank owned life insurance	12,554	12,377
Liabilities:
Checking accounts	38,969	40,446
Money market deposit accounts	64,304	64,665
Passbook, club and statement savings accounts	72,655	73,275
Certificates of deposit	209,547	212,639
Advances from Federal Home Loan Bank	130	340
Accrued interest payable	507	1,486
Advances from borrowers for taxes and insurance	1,625	1,240
Fair Value
Assets:
Cash and cash equivalents	27,422	45,382
Investment and mortgage-backed securities available for sale	71,072	57,817
Investment and mortgage-backed securities held to maturity	74,289	79,092
Loans receivable, net	329,477	321,247
Accrued interest receivable	1,779	1,748
Federal Home Loan Bank stock	350	1,221
Bank owned life insurance	12,554	12,377
Liabilities:
Checking accounts	38,969	40,446
Money market deposit accounts	64,304	64,665
Passbook, club and statement savings accounts	72,655	73,275
Certificates of deposit	214,749	217,273
Advances from Federal Home Loan Bank	130	340
Accrued interest payable	507	1,486
Advances from borrowers for taxes and insurance	1,625	1,240
Level 1
Assets:
Cash and cash equivalents	27,422	45,382
Investment and mortgage-backed securities available for sale	61	70
Investment and mortgage-backed securities held to maturity
Loans receivable, net
Accrued interest receivable	1,779	1,748
Federal Home Loan Bank stock	350	1,221
Bank owned life insurance	12,554	12,377
Liabilities:
Checking accounts	38,969	40,446
Money market deposit accounts	64,304	64,665
Passbook, club and statement savings accounts	72,655	73,275
Certificates of deposit
Advances from Federal Home Loan Bank	130	340
Accrued interest payable	507	1,486
Advances from borrowers for taxes and insurance	1,625	1,240
Level 2
Assets:
Cash and cash equivalents
Investment and mortgage-backed securities available for sale	71,011	57,747
Investment and mortgage-backed securities held to maturity	74,289	79,092
Loans receivable, net
Accrued interest receivable
Federal Home Loan Bank stock
Bank owned life insurance
Liabilities:
Checking accounts
Money market deposit accounts
Passbook, club and statement savings accounts
Certificates of deposit		217,273
Advances from Federal Home Loan Bank
Accrued interest payable
Advances from borrowers for taxes and insurance
Level 3
Assets:
Cash and cash equivalents
Investment and mortgage-backed securities available for sale
Investment and mortgage-backed securities held to maturity
Loans receivable, net	329,477	321,247
Accrued interest receivable
Federal Home Loan Bank stock
Bank owned life insurance
Liabilities:
Checking accounts
Money market deposit accounts
Passbook, club and statement savings accounts
Certificates of deposit	214,749
Advances from Federal Home Loan Bank
Accrued interest payable
Advances from borrowers for taxes and insurance

FAIR_VALUE_MEASUREMENT_Detail_

FAIR VALUE MEASUREMENT (Detail Textuals) (Level 2, USD $)	Mar. 31, 2015
In Millions, unless otherwise specified
Level 2
Financing Receivable, Impaired [Line Items]
Collateral dependent impaired loans, fair value	$21.50