WVS Financial (WVFC) 10-Q 14 Nov 13 2014 Q1 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information	3 Months Ended
	Sep. 30, 2013	Nov. 14, 2013
Document and Entity Information [Abstract]	'	'
Document Type	'10-Q	'
Amendment Flag	'false	'
Document Period End Date	30-Sep-13	'
Entity Registrant Name	'WVS FINANCIAL CORP	'
Entity Central Index Key	'0000910679	'
Current Fiscal Year End Date	'--06-30	'
Document Fiscal Period Focus	'Q1	'
Document Fiscal Year Focus	'2014	'
Entity Filer Category	'Smaller Reporting Company	'
Entity Common Stock, Shares Outstanding	'	2,057,930

CONSOLIDATED_BALANCE_SHEET

CONSOLIDATED BALANCE SHEET (USD $)	Sep. 30, 2013	Jun. 30, 2013
In Thousands, unless otherwise specified
ASSETS	'	'
Cash and due from banks	$1,570	$1,603
Interest-earning demand deposits	897	324
Total cash and cash equivalents	2,467	1,927
Certificates of deposit	598	598
Investment securities available-for-sale (amortized cost of $0 and $57,636)	63,716	77,186
Investment securities held-to-maturity (fair value of $0 and $84,059)	22,172	26,420
Mortgage-backed securities held-to-maturity (fair value of $0 and $79,813)	160,532	139,268
Net loans receivable (allowance for loan losses of $0 and $385)	34,296	31,531
Accrued interest receivable	1,464	1,371
Federal Home Loan Bank stock, at cost	5,211	5,682
Premises and equipment, net	620	614
Bank owned life insurance	4,026	2,000
Deferred tax assets (net)	696	748
Other assets	160	231
TOTAL ASSETS	295,958	287,576
Deposits	'	'
Non-interest-bearing accounts	17,940	14,911
NOW accounts	20,930	20,654
Savings accounts	41,808	41,808
Money market accounts	24,431	23,772
Certificates of deposit	38,092	38,829
Advance payments by borrowers for taxes and insurance	251	550
Total deposits	143,452	140,524
Federal Home Loan Bank advances: long-term	17,500	17,500
Federal Home Loan Bank advances: short-term	102,070	96,712
Accrued interest payable	212	210
Other liabilities	655	802
TOTAL LIABILITIES	263,889	255,748
STOCKHOLDERS' EQUITY	'	'
Preferred stock, no par value; 5,000,000 shares authorized; none issued	'	'
Common stock: 10,000,000 shares, $.01 par value per share, authorized; 3,805,636 and 3,805,636 shares issued	38	38
Additional paid-in capital	21,483	21,478
Treasury stock: 1,747,706 and 1,747,706 shares at cost, respectively	-26,690	-26,690
Retained earnings - substantially restricted	37,872	37,744
Accumulated other comprehensive loss	-634	-742
TOTAL STOCKHOLDERS' EQUITY	32,069	31,828
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$295,958	$287,576

CONSOLIDATED_BALANCE_SHEET_Par

CONSOLIDATED BALANCE SHEET (Parenthetical) (USD $)	Sep. 30, 2013	Jun. 30, 2013
In Thousands, except Share data, unless otherwise specified
ASSETS	'	'
Investment securities available-for-sale, amortized cost	$63,578	$77,067
Investment securities held-to-maturity, fair value	22,515	26,956
Mortgage-backed securities held-to-maturity, fair value	160,983	139,998
Net loans receivable, allowance for loan losses	$319	$307
STOCKHOLDERS' EQUITY	'	'
Preferred stock, shares authorized	5,000,000	5,000,000
Preferred stock, no par value per share	$0	$0
Preferred stock, shares outstanding	0	0
Common stock, shares authorized	10,000,000	10,000,000
Common stock, par value per share	$0.01	$0.01
Common stock, shares issued	3,805,636	3,805,636
Treasury stock, shares at cost	1,747,706	1,747,706

CONSOLIDATED_STATEMENT_OF_INCO

CONSOLIDATED STATEMENT OF INCOME (USD $)	3 Months Ended
In Thousands, except Share data, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
INTEREST INCOME:	'	'
Loans, including fees	$414	$586
Investment securities - taxable	498	780
Mortgage-backed securities	474	247
Certificates of deposit	3	2
FHLB stock	13	2
Total interest and dividend income	1,402	1,617
INTEREST EXPENSE	'	'
Deposits	79	108
Federal Home Loan Bank advances - long-term	211	211
Federal Home Loan Bank advances - short-term	54	53
Total interest expense	344	372
NET INTEREST INCOME	1,058	1,245
PROVISION FOR LOAN LOSSES	12	-24
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	1,046	1,269
NON-INTEREST INCOME	'	'
Service charges on deposits	52	51
Earnings on Bank Owned Life Insurance	26	'
Investment securities gains	'	8
Other	59	71
Total non-interest income	137	130
NON-INTEREST EXPENSE	'	'
Salaries and employee benefits	511	493
Occupancy and equipment	73	75
Data processing	60	61
Correspondent bank service charges	11	14
Federal deposit insurance premium	47	36
Other	157	254
Total non-interest expense	859	933
INCOME BEFORE INCOME TAXES	324	466
INCOME TAX EXPENSE	114	81
NET INCOME	$210	$385
EARNINGS PER SHARE:	'	'
Basic	$0.10	$0.19
Diluted	$0.10	$0.19
AVERAGE SHARES OUTSTANDING:	'	'
Basic	2,057,930	2,057,930
Diluted	2,057,930	2,057,930

CONSOLIDATED_STATEMENT_OF_COMP

CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME [Abstract]	'	'
NET INCOME	$210	$385
Investment securities available for sale not other-than-temporarily impaired:	'	'
Gains arising during the year	19	356
Income tax effect	-6	-121
Gains arising during the year, net of tax	13	235
Gains recognized in earnings	'	8
Income tax effect	'	-3
Gains recognized in earnings, net of tax	'	5
Unrealized holdings gains on securities available for sale not other-than-temporarily impaired, net of tax	13	240
Investment securities held to maturity other-than-temporarily impaired:	'	'
Accretion of other comprehensive loss on other-than-temporarily impaired securities held to maturity	145	221
Income tax effect	-50	-75
Accretion of other comprehensive loss on other-than-temporarily impaired securities held to maturity, net of tax	95	146
Unrealized holding gains on other-than-temporarily impaired securities held to maturity, net of tax	95	146
Unrealized holding gains on securities, net	108	386
Other comprehensive income	108	386
NET COMPREHENSIVE INCOME	$318	$771

CONSOLIDATED_STATEMENT_OF_STOC

CONSOLIDATED STATEMENT OF STOCKHOLDERS' EQUITY (USD $)	Total	Common Stock [Member]	Additional Paid-In Capital [Member]	Treasury Stock [Member]	Retained Earnings Substantially Restricted [Member]	Accumulated Other Comprehensive Income (loss) [Member]
In Thousands
Balance at Jun. 30, 2013	$31,828	$38	$21,478	($26,690)	$37,744	($742)
Net income	210	'	'	'	210	'
Other comprehensive income	108	'	'	'	'	108
Expense of stock options awarded	5	'	5	'	'	'
Cash dividends declared ($0.04 per share)	-82	'	'	'	-82	'
Balance at Sep. 30, 2013	$32,069	$38	$21,483	($26,690)	$37,872	($634)

CONSOLIDATED_STATEMENT_OF_STOC1

CONSOLIDATED STATEMENT OF STOCKHOLDERS' EQUITY (Parenthetical) (USD $)	3 Months Ended
	Sep. 30, 2013
CONSOLIDATED STATEMENT OF CHANGES IN STOCKHOLDERS' EQUITY [Abstract]	'
Cash dividends declared, per share	$0.04

CONSOLIDATED_STATEMENT_OF_CASH

CONSOLIDATED STATEMENT OF CASH FLOWS (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
OPERATING ACTIVITIES	'	'
Net income	$210	$385
Adjustments to reconcile net income to cash provided by operating activities:	'	'
Provision for loan losses	12	-24
Depreciation	21	23
Gain on sale of investments	'	-8
Accretion of discounts, premiums and deferred loan fees	570	668
Deferred income taxes	52	208
Increase in prepaid accrued income taxes	3	6
Earnings on bank owned life insurance	-26	'
Increase decrease in accrued interest receivable	-93	-255
Increase in accrued interest payable	2	1
Decrease in deferred director compensation payable	-8	-8
Decrease of prepaid federal deposit insurance premium	'	32
Other, net	-121	-297
Net cash provided by operating activities	622	731
Available-for-sale:	'	'
Purchase of investment securities	'	-31,511
Proceeds from repayments of investments	12,936	2,803
Proceeds from sales of investments	'	1,891
Held-to-maturity:	'	'
Purchases of investment securities	-1,955	'
Purchases of mortgage-backed securities	-29,158	-23,529
Proceeds from repayments of investments	6,182	4,511
Proceeds from repayments of mortgage-backed securities	8,043	18,145
Purchase of bank owned life insurance	-2,000	'
Net (increase) decrease in net loans receivable	-2,778	752
Redemption of FHLB stock	471	727
Capital improvements to other real estate owned	'	-4
Acquisition of premises and equipment	-27	-48
Net cash used for investing activities	-8,286	-26,263
FINANCING ACTIVITIES	'	'
Net increase in transaction and savings accounts	3,964	738
Net decrease in certificates of deposit	-737	-1,066
Net decrease in advance payments by borrowers for taxes and insurance	-299	-369
Net increase in CDARS one-way buy CDs	'	198
Net increase in FHLB short-term advances	5,358	26,168
Cash dividends paid	-82	-81
Net cash provided by financing activities	8,204	25,588
Increase in cash and cash equivalents	540	56
CASH AND CASH EQUIVALENTS AT BEGINNING OF THE PERIOD	1,927	2,506
CASH AND CASH EQUIVALENTS AT END OF THE PERIOD	2,467	2,562
Cash paid during the year for:	'	'
Interest on deposits, escrows and borrowings	342	371
Income taxes	115	141
Non-cash items:	'	'
Educational Improvement Tax Credit	$9	$86

BASIS_OF_PRESENTATION

BASIS OF PRESENTATION	3 Months Ended
	Sep. 30, 2013
BASIS OF PRESENTATION [Abstract]	'
BASIS OF PRESENTATION	'
	1	BASIS OF PRESENTATION
	The accompanying unaudited consolidated financial statements have been prepared in accordance with the instructions for Form 10-Q and therefore do not include information or footnotes necessary for a complete presentation of financial condition, results of operations, and cash flows in conformity with U.S. generally accepted accounting principles. However, all adjustments (consisting only of normal recurring adjustments) which, in the opinion of management, are necessary for a fair presentation have been included. The results of operations for the three months ended September 30, 2013, are not necessarily indicative of the results which may be expected for the entire fiscal year.

RECENT_ACCOUNTING_PRONOUNCEMEN

RECENT ACCOUNTING PRONOUNCEMENTS	3 Months Ended
	Sep. 30, 2013
RECENT ACCOUNTING PRONOUNCEMENTS [Abstract]	'
RECENT ACCOUNTING PRONOUNCEMENTS	'
	2	RECENT ACCOUNTING PRONOUNCEMENTS
	In February 2013, the FASB issued ASU 2013-04, Obligations Resulting from Joint and Several Liability Arrangements for Which the Total Amount of the Obligation is Fixed at the Reporting Date. The ASU requires the measurement of obligations resulting from joint and several liability arrangements for which the total amount of the obligation is fixed at the reporting date as the sum of the amount the reporting entity agreed to pay on the basis of its arrangement with its co-obligors as well as any additional amount that the entity expects to pay on behalf of its co-obligors. The new standard is effective retrospectively for fiscal years and interim periods within those years, beginning after December 15, 2013, and early adoption is permitted. This ASU is not expected to have a significant impact on the Company's financial statements.
	In April 2013, the Financial Accounting Standards Board FASB issued ASU 2013-07, Presentation of Financial Statements (Topic 205): Liquidation Basis of Accounting. The amendments in this Update are being issued to clarify when an entity should apply the liquidation basis of accounting. In addition, the guidance provides principles for the recognition and measurement of assets and liabilities and requirements for financial statements prepared using the liquidation basis of accounting. The amendments require an entity to prepare its financial statements using the liquidation basis of accounting when liquidation is imminent. Liquidation is imminent when the likelihood is remote that the entity will return from liquidation and either (a) a plan for liquidation is approved by the person or persons with the authority to make such a plan effective and the likelihood is remote that the execution of the plan will be blocked by other parties or (b) a plan for liquidation is being imposed by other forces (for example, involuntary bankruptcy). If a plan for liquidation was specified in the entity's governing documents from the entity's inception (for example, limited-life entities), the entity should apply the liquidation basis of accounting only if the approved plan for liquidation differs from the plan for liquidation that was specified at the entity's inception. The amendments are effective for entities that determine liquidation is imminent during annual reporting periods beginning after December 15, 2013, and interim reporting periods therein. Entities should apply the requirements prospectively from the day that liquidation becomes imminent. Early adoption is permitted. Entities that use the liquidation basis of accounting as of the effective date in accordance with other Topics (for example, terminating employee benefit plans) are not required to apply the amendments. Instead, those entities should continue to apply the guidance in those other Topics until they have completed liquidation. This ASU is not expected to have a significant impact on the Company's financial statements.
	In July 2013, the FASB issued ASU 2013-11, Income Taxes (Topic 740): Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists. This Update applies to all entities that have unrecognized tax benefits when a net operating loss carryforward, a similar tax loss, or a tax credit carryforward exists at the reporting date. An unrecognized tax benefit, or a portion of an unrecognized tax benefit, should be presented in the financial statements as a reduction to a deferred tax asset for a net operating loss carryforward, a similar tax loss, or a tax credit carryforward, except as follows. To the extent a net operating loss carryforward, a similar tax loss, or a tax credit carryforward is not available at the reporting date under the tax law of the applicable jurisdiction to settle any additional income taxes that would result from the disallowance of a tax position or the tax law of the applicable jurisdiction does not require the entity to use, and the entity does not intend to use, the deferred tax asset for such purpose, the unrecognized tax benefit should be presented in the financial statements as a liability and should not be combined with deferred tax assets. The assessment of whether a deferred tax asset is available is based on the unrecognized tax benefit and deferred tax asset that exist at the reporting date and should be made presuming disallowance of the tax position at the reporting date. The amendments in this Update are effective for fiscal years, and interim periods within those years, beginning after December 15, 2013. For nonpublic entities, the amendments are effective for fiscal years, and interim periods within those years, beginning after December 15, 2014. Early adoption is permitted. The amendments should be applied prospectively to all unrecognized tax benefits that exist at the effective date. Retrospective application is permitted. The Company is currently evaluating the impact the adoption of the standard will have on the Company's financial position or results of operations.

EARNINGS_PER_SHARE

EARNINGS PER SHARE	3 Months Ended
	Sep. 30, 2013
EARNINGS PER SHARE [Abstract]	'
EARNINGS PER SHARE	'
	3	EARNINGS PER SHARE
	The following table sets forth the computation of the weighted-average common shares used to calculate basic and diluted earnings per share.
			Three Months Ended
			September 30,
			2013		2012
	Weighted average common shares issued			3,805,636		3,805,636
	Average treasury stock shares			(1,747,706)		(1,747,706)
	Weighted average common shares and common stock equivalents used to calculate basic earnings per share			2,057,930		2,057,930
	Additional common stock equivalents (stock options) used to calculate diluted earnings per share			-		-
	Weighted average common shares and common stock equivalents used to calculate diluted earnings per share			2,057,930		2,057,930
	There are no convertible securities that would affect the numerator in calculating basic and diluted earnings per share; therefore, net income as presented on the Consolidated Statement of Income is used.
	At September 30, 2013, there were 114,519 options outstanding with an exercise price of $16.20 which were anti-dilutive for the three month period. At September 30, 2012 there were 124,519 options outstanding with an exercise price of $16.20 which were anti-dilutive for the three month period.

STOCK_BASED_COMPENSATION_DISCL

STOCK BASED COMPENSATION DISCLOSURE	3 Months Ended
	Sep. 30, 2013
STOCK BASED COMPENSATION DISCLOSURE [Abstract]	'
STOCK BASED COMPENSATION DISCLOSURE	'
	4	STOCK BASED COMPENSATION DISCLOSURE
	The Company's 2008 Stock Incentive Plan (the "Plan"), which was approved by shareholders in October 2008, permits the grant of stock options or restricted shares to its directors and employees for up to 152,000 shares (up to 38,000 restricted shares may be issued). Option awards are generally granted with an exercise price equal to the market price of the Company's stock at the date of grant; those option awards generally vest over five years of continuous service and have ten-year contractual terms.
	During the three month periods ended September 30, 2013 and 2012, the Company recorded $5 thousand and $6 thousand, respectively, in compensation expense related to our share-based compensation awards. As of September 30, 2013, there was approximately $2 thousand of unrecognized compensation cost related to unvested share-based compensation awards granted in fiscal 2009. That cost is expected to be recognized over the next four months.
	For purposes of computing results, the Company estimated the fair values of stock options using the Black-Scholes option-pricing model. The model requires the use of subjective assumptions that can materially affect fair value estimates. The fair value of each option is amortized into compensation expense on a straight line basis between the grant date for the option and each vesting date. The fair value of each stock option granted was estimated using the following weighted-average assumptions:
	Assumptions
	Volatility		7.49	%	to	11.63	%
	Interest Rates		2.59	%	to	3.89	%
	Dividend Yields		3.94	%	to	4.02	%
	Weighted Average Life (in years)		10
	The Company had 19,729 non-vested stock options outstanding at September 30, 2013, and 43,552 unvested stock options outstanding at September 30, 2012. There were no stock options exercised or issued during the three months ended September 30, 2013 and 2012.

INVESTMENT_SECURITIES

INVESTMENT SECURITIES	3 Months Ended
	Sep. 30, 2013
INVESTMENT SECURITIES [Abstract]	'
INVESTMENT SECURITIES	'
	5	INVESTMENT SECURITIES
	The amortized cost and fair values of investments are as follows:
				Amortized			Gross			Gross			Fair
				Cost			Unrealized			Unrealized			Value
							Gains			Losses
	September 30, 2013		(Dollars in Thousands)
	AVAILABLE FOR SALE
	Corporate debt securities		$		60,444	$		204	$		(77)	$		60,571
	Foreign debt securities 1				3,134			12			(1)			3,145
	Total		$		63,578	$		216	$		(78)	$		63,716
				Amortized			Gross			Gross			Fair
				Cost			Unrealized			Unrealized			Value
							Gains			Losses
	September 30, 2013		(Dollars in Thousands)
	HELD TO MATURITY
	U.S. government agency securities		$		11,954	$		4	$		(344)	$		11,614
	Corporate debt securities				10,218			683			-			10,901
	Total		$		22,172	$		687	$		(344)	$		22,515
	1	U.S. dollar-denominated investment-grade corporate bonds of large foreign issuers.
				Amortized			Gross			Gross			Fair
				Cost			Unrealized			Unrealized			Value
							Gains			Losses
	June 30, 2013			(Dollars in Thousands)
	AVAILABLE FOR SALE
	Corporate debt securities		$		73,349	$		223	$		(107)	$		73,465
	Foreign debt securities 1				3,718			8			(5)			3,721
	Total		$		77,067	$		231	$		(112)	$		77,186
				Amortized			Gross			Gross			Fair
				Cost			Unrealized			Unrealized			Value
							Gains			Losses
	June 30, 2013			(Dollars in Thousands)
	HELD TO MATURITY
	U.S. government agency securities		$		9,995	$		-	$		(328)	$		9,667
	Corporate debt securities				14,425			853			-			15,278
	Foreign debt securities 1				2,000			11			-			2,011
	Total		$		26,420	$		864	$		(328)	$		26,956
	During the three months ended September 30, 2013, and 2012, the Company recorded gross realized investment security gains of $0 thousand, and $8 thousand, respectively. Proceeds from sales of investment securities during the three months ended September 30, 2013 and 2012, were $0 and $1.9 million, respectively.
	The amortized cost and fair values of debt securities at September 30, 2013, by contractual maturity, are shown below. Expected maturities may differ from the contractual maturities because issuers may have the right to call securities prior to their final maturities.
				Due in			Due after			Due after			Due after			Due after			Due after			Total
				one year			one through			two through			three through			five through			ten years
				or less			two years			three years			five years			ten years
				(Dollars in Thousands)
	AVAILABLE FOR SALE
	Amortized cost		$		35,846	$		13,908	$		11,829	$		1,004	$		991	$		-	$		63,578
	Fair value				35,929			14,015			11,813			983			976			-			63,716
	HELD TO MATURITY
	Amortized cost		$		5,012	$		999	$		522	$		2,551	$		1,133	$		11,955	$		22,172
	Fair value				5,072			1,075			594			2,834			1,326			11,614			22,515
	At both September 30, 2013 and June 30, 2013, no investment securities were pledged to secure public deposits, repurchase agreements, or borrowings with the Federal Home Loan Bank. Excess collateral is maintained to support future borrowings and may be withdrawn by the Company at any time.
	1	U.S. dollar-denominated investment-grade corporate bonds of large foreign issuers.

MORTGAGEBACKED_SECURITIES

MORTGAGE-BACKED SECURITIES	3 Months Ended
	Sep. 30, 2013
MORTGAGE-BACKED SECURITIES [Abstract]	'
MORTGAGE-BACKED SECURITIES	'
	6	MORTGAGE-BACKED SECURITIES
	Mortgage-backed securities ("MBS") include mortgage pass-through certificates ("PCs") and collateralized mortgage obligations ("CMOs"). With a pass-through security, investors own an undivided interest in the pool of mortgages that collateralize the PCs. Principal and interest is passed through to the investor as it is generated by the mortgages underlying the pool. PCs and CMOs may be insured or guaranteed by Freddie Mac ("FHLMC"), Fannie Mae ("FNMA") and the Government National Mortgage Association ("GNMA"). CMOs may also be privately issued with varying degrees of credit enhancements. A CMO reallocates mortgage pool cash flow to a series of bonds (called traunches) with varying stated maturities, estimated average lives, coupon rates and prepayment characteristics.
	The Company's CMO portfolio is comprised of two segments: CMO's backed by U.S. Government Agencies ("Agency CMO's") and CMO's backed by single-family whole loans not guaranteed by a U.S. Government Agency ("Private-Label CMO's").
	At September 30, 2013, the Company's Agency CMO's totaled $157.4 million as compared to $135.6 million at June 30, 2013. The Company's private-label CMO's totaled $3.1 million at September 30, 2013 as compared to $3.6 million at June 30, 2013. The $21.3 million increase in the CMO segment of our MBS portfolio was primarily due to purchases of U.S. Government Agency CMO's totaling $29.2 million which more than offset repayments on our Agency CMO's totaling $7.5 million and $688 thousand in repayments on our private-label CMO's. During the three months ended September 30, 2013, the Company received principal payments totaling $688 thousand on its private-label CMO's. At September 30, 2013, approximately $160.5 million or 100.0% (book value) of the Company's MBS portfolio, including CMO's, were comprised of adjustable or floating rate investments, as compared to $139.3 million or 100.0% at June 30, 2013. Substantially all of the Company's floating rate MBS adjust monthly based upon changes in the one month LIBOR. The Company has no investment in multi-family or commercial real estate based MBS.
	Due to prepayments of the underlying loans, and the prepayment characteristics of the CMO traunches, the actual maturities of the Company's MBS are expected to be substantially less than the scheduled maturities.
	The Company retains an independent third party to assist it in the determination of a fair value for its three private-label CMO's. This valuation is meant to be a "Level Three" valuation as defined by ASC Topic 820, Fair Value Measurements and Disclosures. The valuation does not represent the actual terms or prices at which any party could purchase the securities. There is currently no active secondary market for private-label CMO's and there can be no assurance that any secondary market for private-label CMO's will develop. The private-label CMO portfolio had three previously recorded other-than-temporary impairments at September 30, 2013. During the three months ending September 30, 2013, the Company reversed $145 thousand of non-credit unrealized holding losses on its three private-label CMO's with OTTI due to principal repayments. During the three months ended September 30, 2013, the Company recorded no additional credit impairment charges on its private-label CMO portfolio.
	The Company believes that the data and assumptions used to determine the fair values are reasonable. The fair value calculations reflect relevant facts and market conditions. Events and conditions occurring after the valuation date could have a material effect on the private-label CMO segment's fair value.
	The following table sets forth information with respect to the Company's private-label CMO portfolio as of September 30, 2013. At the time of purchase, all of our private-label CMO's were rated in the highest investment category by at least two ratings agencies.
				At September 30, 2013
				Rating				Book		Fair				Life to Date
								Value		Value2				Impairment
														Recorded in
														Earnings
	Cusip #		Security Description	S&P		Moody's	Fitch	(in thousands)
	126694CP1		CWHL SER 21 A11	N/A		Caa2	C	$	1,805	$	2,199			$	201
	126694KF4		CWHL SER 24 A15	D		N/A	D		312		348				33
	126694KF4		CWHL SER 24 A15	D		N/A	D		622		697				66
	126694MP0		CWHL SER 26 1A5	CC		N/A	C		365		381				36
								$	3,104	$	3,625			$	336
	The amortized cost and fair values of mortgage-backed securities are as follows:
								Gross				Gross
				Amortized				Unrealized				Unrealized					Fair
				Cost				Gains				Losses					Value
				(Dollars in Thousands)
	September 30, 2013
	HELD TO MATURITY
	Collateralized mortgage obligations:
	Agency		$		157,428		$		1,053	$			(1,123)			$		157,358
	Private-label				3,104				521				-					3,625
	Total		$		160,532		$		1,574	$			(1,123)			$		160,983
								Gross				Gross
				Amortized				Unrealized				Unrealized					Fair
				Cost				Gains				Losses					Value
	June 30, 2013				(Dollars in Thousands)
	HELD TO MATURITY
	Collateralized mortgage obligations:
	Agency		$		135,621		$		368	$			(256)			$		135,733
	Private-label				3,647				621				(3)					4,265
	Total		$		139,268		$		989	$			(259)			$		139,998
	2 Fair value estimate provided by the Company's independent third party valuation consultant.
	The amortized cost and fair value of mortgage-backed securities at September 30, 2013, by contractual maturity, are shown below. Expected maturities may differ from the contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.
				Due in				Due after				Due after					Due after			Total
				one year				one through				five through					ten years
				or less				five years				ten years
			(Dollars in Thousands)
	HELD TO MATURITY
	Amortized cost		$		-		$		-	$			308			$		160,224	$		160,532
	Fair value		$		-		$		-	$			314			$		160,669	$		160,983
	At September 30, 2013 mortgage-backed securities with amortized costs of $134.1 million and fair values of $133.7 million were pledged to secure borrowings with the Federal Home Loan Bank. Of the securities pledged, $25.6 million of fair value was excess collateral. At June 30, 2013 mortgage-backed securities with an amortized cost of $123.7 million and fair values of $123.8 million, were pledged to secured borrowings with the Federal Home Loan Bank. Of the securities pledged, $20.9 million of fair value was excess collateral. Excess collateral is maintained to support future borrowings and may be withdrawn by the Company at any time.

ACCUMULATED_OTHER_COMPREHENSIV

ACCUMULATED OTHER COMPREHENSIVE INCOME	3 Months Ended
	Sep. 30, 2013
ACCUMULATED OTHER COMPREHENSIVE INCOME DISCLOSURE [Abstract]	'
ACCUMULATED OTHER COMPREHENSIVE INCOME	'
	7	ACCUMULATED OTHER COMPREHENSIVE INCOME
	The following tables present the changes in accumulated other comprehensive income by component, for the three months ended September 30, 2013.
			Three Months Ended September 30, 2013
			(Dollars in Thousands - net of tax)
			Unrealized Gains		Unrealized Gains		Total
			and Losses on		and Losses on
			Available-for-sale		Held-to-maturity
			Securities		Securities
	Beginning Balance - June 30, 2013		$	78	$	(820)	$	(742)
	Other comprehensive income before reclassifications			13		95		108
	Net current-period other comprehensive income			13		95		108
	Ending Balance - September 30, 2013		$	91	$	(725)	$	(634)

UNREALIZED_LOSSES_ON_SECURITIE

UNREALIZED LOSSES ON SECURITIES	3 Months Ended
	Sep. 30, 2013
UNREALIZED LOSSES ON SECURITIES [Abstract]	'
UNREALIZED LOSSES ON SECURITIES	'
	8	UNREALIZED LOSSES ON SECURITIES
	The following table shows the Company's gross unrealized losses and fair value, aggregated by category and length of time that the individual securities have been in a continuous unrealized loss position, at September 30, 2013 and June 30, 2013.
			30-Sep-13
			Less Than Six Months									Six through Twelve Months						Twelve Months or Greater						Total
					Fair					Gross			Fair			Gross			Fair			Gross			Fair			Gross
					Value					Unrealized			Value			Unrealized			Value			Unrealized			Value			Unrealized
										Losses						Losses						Losses						Losses
			(Dollars in Thousands)
	U.S. government agencies securities		$			9,654			$		(344)	$		-	$		-	$		-	$		-	$		9,654	$		(344)
	Corporate debt securities					4,537					(6)			5,341			(71)			-			-			9,878			(77)
	Foreign debt securities1					-					-			520			(1)			-			-			520			(1)
	Collateralized mortgage obligations:
	Agency					66,174					(794)			23,945			(286)			3,945			(43)			94,064			(1,123)
	Total		$			80,365			$		(1,144)	$		29,806	$		(358)	$		3,945	$		(43)	$		114,116	$		(1,545)
			June 30, 2013
			Less Than Six Months									Six through Twelve Months						Twelve Months or Greater						Total
					Fair					Gross			Fair			Gross			Fair			Gross			Fair			Gross
					Value					Unrealized			Value			Unrealized			Value			Unrealized			Value			Unrealized
										Losses						Losses						Losses						Losses
			(Dollars in Thousands)
	U.S. government agencies securities		$			9,667			$		(328)	$		-	$		-	$		-	$		-	$		9,667	$		(328)
	Corporate debt securities					15,042					(78)			2,322			(29)			-			-			17,364			(107)
	Foreign debt securities1					-					-			518			(5)			-			-			518			(5)
	Collateralized mortgage obligations:
	Agency					49,176					(235)			782			(13)			4,900			(8)			54,858			(256)
	Private-label					-					-			-			-			109			(3)			109			(3)
	Total		$			73,885			$		(641)	$		3,622	$		(47)	$		5,009	$		(11)	$		82,516	$		(699)
	1	U.S. dollar-dominated investment-grade corporate bonds of large foreign issuers.
	For debt securities, impairment is considered to be other than temporary if an entity (1) intends to sell the security, (2) more likely than not will be required to sell the security before recovering its amortized cost basis, or (3) does not expect to recover the security's entire amortized cost basis (even if the entity does not intend to sell the security). In addition, impairment is considered to be other than temporary if the present value of cash flows expected to be collected from the debt security is less than the amortized cost basis of the security (any such shortfall is referred to as a credit loss).
	The Company evaluates outstanding available-for-sale and held-to-maturity securities in an unrealized loss position (i.e., impaired securities) for OTTI on a quarterly basis. In doing so, the Company considers many factors including, but not limited to: the credit ratings assigned to the securities by the Nationally Recognized Statistical Rating Organizations (NRSROs); other indicators of the credit quality of the issuer; the strength of the provider of any guarantees; the length of time and extent that fair value has been less than amortized cost; and whether the Company has the intent to sell the security or more likely than not will be required to sell the security before its anticipated recovery. In the case of its private label residential MBS, the Company also considers prepayment speeds, the historical and projected performance of the underlying loans and the credit support provided by the subordinate securities. These evaluations are inherently subjective and consider a number of quantitative and qualitative factors.
	The following table presents a roll-forward of the credit loss component of the amortized cost of mortgage-backed securities that we have written down for OTTI and the credit component of the loss that is recognized in earnings. OTTI recognized in earnings for credit impaired mortgage-backed securities is presented as additions in two components based upon whether the current period is the first time the mortgage-backed security was credit-impaired (initial credit impairment) or is not the first time the mortgage-backed security was credit impaired (subsequent credit impairments). The credit loss component is reduced if we sell, intend to sell or believe that we will be required to sell previously credit-impaired mortgage-backed securities. Additionally, the credit loss component is reduced if we receive cash flows in excess of what we expected to receive over the remaining life of the credit impaired mortgage-backed securities, the security matures or is fully written down.
			Three Months Ended
			September 30,
			2013				2012
			(Dollars in Thousands)
	Beginning balance			$  316				$  324
	Initial credit impairment			-				-
	Subsequent credit impairment			-				-
	Reductions for amounts recognized in earnings due to intent or requirement to sell			-				-
	Reductions for securities sold			-				-
	Reduction for actual realized losses			(7)				-
	Reduction for increase in cash flows expected to be collected			-				-
	Ending Balance			$  309				$  324
	During the three months ended September 30, 2013, the Company recorded no credit impairment charge, and no non-credit unrealized holding loss to accumulated other comprehensive income. The Company accreted back into other comprehensive income $95 thousand (net of income tax effect of $50 thousand), based on principal repayments on private-label CMO's previously identified with OTTI.
	In the case of its private-label residential CMO's that exhibit adverse risk characteristics, the Company employs models to determine the cash flows that it is likely to collect from the securities. These models consider borrower characteristics and the particular attributes of the loans underlying the securities, in conjunction with assumptions about future changes in home prices and interest rates, to predict the likelihood a loan will default and the impact on default frequency, loss severity and remaining credit enhancement. A significant input to these models is the forecast of future housing price changes for the relevant states and metropolitan statistical areas, which are based upon an assessment of the various housing markets. In general, since the ultimate receipt of contractual payments on these securities will depend upon the credit and prepayment performance of the underlying loans and, if needed, the credit enhancements for the senior securities owned by the Company, the Company uses these models to assess whether the credit enhancement associated with each security is sufficient to protect against likely losses of principal and interest on the underlying mortgage loans. The development of the modeling assumptions requires significant judgment.
	In conjunction with our adoption of ASC Topic 820 effective June 30, 2009, the Company retained an independent third party to assist it with assessing its investments within the private-label CMO portfolio. The independent third party utilized certain assumptions for producing the cash flow analyses used in the OTTI assessment. Key assumptions would include interest rates, expected market participant spreads and discount rates, housing prices, projected future delinquency levels and assumed loss rates on any liquidated collateral.
	The Company reviewed the independent third party's assumptions used in the September 30, 2013 OTTI process. Based on the results of this review, the Company deemed the independent third party's assumptions to be reasonable and adopted them. However, different assumptions could produce materially different results, which could impact the Company's conclusions as to whether an impairment is considered other-than-temporary and the magnitude of the credit loss. Management believes that no additional private-label CMO's in the portfolio had an other-than-temporary impairment at September 30, 2013, keeping the total at three private-label CMO's with OTTI at September 30, 2013.
	If the Company intends to sell an impaired debt security, or more likely than not will be required to sell the security before recovery of its amortized cost basis, the impairment is other-than-temporary and is recognized currently in earnings in an amount equal to the entire difference between fair value and amortized cost. The Company does not anticipate selling its private-label CMO portfolio, nor does Management believe that the Company will be required to sell these securities before recovery of this amortized cost basis.
	In instances in which the Company determines that a credit loss exists but the Company does not intend to sell the security and it is not more likely than not that the Company will be required to sell the security before the anticipated recovery of its remaining amortized cost basis, the OTTI is separated into (1) the amount of the total impairment related to the credit loss and (2) the amount of the total impairment related to all other factors (i.e., the noncredit portion). The amount of the total OTTI related to the credit loss is recognized in earnings and the amount of the total OTTI related to all other factors is recognized in accumulated other comprehensive loss. The total OTTI is presented in the Consolidated Statement of Income with an offset for the amount of the total OTTI that is recognized in accumulated other comprehensive loss. Absent the intent or requirement to sell a security, if a credit loss does not exist, any impairment is considered to be temporary.
	Regardless of whether an OTTI is recognized in its entirety in earnings or if the credit portion is recognized in earnings and the noncredit portion is recognized in other comprehensive income (loss), the estimation of fair values has a significant impact on the amount(s) of any impairment that is recorded.
	The noncredit portion of any OTTI losses on securities classified as available-for-sale is adjusted to fair value with an offsetting adjustment to the carrying value of the security. The fair value adjustment could increase or decrease the carrying value of the security. All of the Company's private-label CMOs were originally, and continue to be classified, as held to maturity.
	In periods subsequent to the recognition of an OTTI loss, the other-than-temporarily impaired debt security is accounted for as if it had been purchased on the measurement date of the OTTI at an amount equal to the previous amortized cost basis less the credit-related OTTI recognized in earnings. For debt securities for which credit-related OTTI is recognized in earnings, the difference between the new cost basis and the cash flows expected to be collected is accreted into interest income over the remaining life of the security in a prospective manner based on the amount and timing of future estimated cash flows.
	The Company had investments in 32 positions that were impaired at September 30, 2013. Based on its analysis, management has concluded that three private-label CMO's are other-than-temporarily impaired, while the remaining securities portfolio has experienced unrealized losses and a decrease in fair value due to interest rate volatility, illiquidity in the marketplace, or credit deterioration in the U.S. mortgage markets.

LOANS_AND_RELATED_ALLOWANCE_FO

LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES	3 Months Ended
	Sep. 30, 2013
LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES [Abstract]	'
LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES	'
	9	LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES
	The following table summarizes the primary segments of the loan portfolio as of September 30, 2013 and June 30, 2013.
				September 30, 2013									June 30, 2013
				Total				Individually			Collectively			Total			Individually			Collectively
				Loans				evaluated			evaluated			Loans			evaluated			evaluated
								for			for						for			for
								impairment			impairment						impairment			impairment
				(Dollars in Thousands)
	First mortgage loans:
	1 - 4 family dwellings		$		16,238	$			-	$		16,238	$		13,611	$		-	$		13,611
	Construction				3,792				701			3,091			2,546			701			1,845
	Land acquisition & development				1,084				-			1,084			1,407			280			1,127
	Multi-family dwellings				2,703				-			2,703			2,780			-			2,780
	Commercial				5,174				-			5,174			5,787			-			5,787
	Consumer Loans
	Home equity				987				-			987			1,085			-			1,085
	Home equity lines of credit				2,068				150			1,918			2,056			150			1,906
	Other				243				-			243			180			-			180
	Commercial Loans				1,849				-			1,849			1,890			-			1,890
	Obligations (other than securities and leases) of states and political subdivisons				500				-			500			500			-			500
			$		34,638	$			851	$		33,787	$		31,842	$		1,131	$		30,711
	Less: Deferred loan fees				(23)										(4)
	Allowance for loan losses				(319)										(307)
	Total		$		34,296								$		31,531
	Impaired loans are loans for which it is probable the Company will not be able to collect all amounts due according to the contractual terms of the loan agreement. The following loan categories are collectively evaluated for impairment. First mortgage loans: 1 - 4 family dwellings and all consumer loan categories (home equity, home equity lines of credit, and other). The following loan categories are individually evaluated for impairment. First mortgage loans: construction, land acquisition and development, multi-family dwellings, and commercial. The Company evaluates commercial loans not secured by real property individually for impairment.
	The definition of "impaired loans" is not the same as the definition of "nonaccrual loans," although the two categories overlap. The Company may choose to place a loan on nonaccrual status due to payment delinquency or uncertain collectability, while not classifying the loan as impaired if the loan is not a commercial or commercial real estate loan. Factors considered by management in determining impairment include payment status and collateral value. The amount of impairment for these types of impaired loans is determined by the difference between the present value of the expected cash flows related to the loan, using the original interest rate, and its recorded value, or as a practical expedient in the case of collateralized loans, the difference between the fair value of the collateral and the recorded amount of the loans. When foreclosure is probable, impairment is measured based on the fair value of the collateral.
	Loans that experience insignificant payment delays, which are defined as 90 days or less, generally are not classified as impaired. Management determines the significance of payment delays on a case-by-case basis taking into consideration all circumstances surrounding the loan and the borrower, including the length of the delay, the borrower's prior payment record, and the amount of shortfall in relation to the principal and interest owed.
	The following tables summarize of the loans considered to be impaired as of September 30, 2013 and June 30, 2013, and the related interest income recognized for the three months ended September 30, 2013 and September 30, 2012:
				September 30,				June 30,
				2013				2013
				(Dollars in Thousands)
	Impaired loans with an allocated allowance:
	Construction loans		$		701	$			701
	Impaired loans without an allocated allowance:
	Construction loans				-				-
	Land acquisition & development loans				-				280
	Home equity lines of credit				150				150
	Total impaired loans		$		851	$			1,131
	Allocated allowance on impaired loans:
	Construction loans		$		109	$			107
				Three Months Ended
				September 30,				September 30,
				2013				2012
				(Dollars in Thousands)
	Average impaired loans:
	Construction loans		$		701	$			701
	Land acquisition & development loans				57				-
	Home equity lines of credit				150				150
	Total		$		908	$			851
	Income recognized on impaired loans:
	Construction loans		$		-	$			-
	Land acquisition & development loans				-				-
	Home equity lines of credit				1				2
	Total		$		1	$			2
	Total nonaccrual loans as of September 30, 2013 and June 30, 2013 and the related interest income recognized for the three months ended September 30, 2013 and September 30, 2012 are as follows:
				September 30,				June 30,
				2013				2013
				(Dollars in Thousands)
	Principal outstanding
	1 - 4 family dwellings		$		476	$			477
	Construction				701				701
	Land acquisition & development				-				280
	Home equity lines of credit				150				150
Total		$		1,327	$			1,608
Three Months Ended
			September 30,				September 30,
			2013				2012
			(Dollars in Thousands)
Average nonaccrual loans
1 - 4 family dwellings		$		477	$			282
Construction				701				1,051
Land acquisition & development				57				290
Home equity lines of credit				150				150
Total		$		1,385	$			1,773
Income that would have been recognized		$		22	$			27
Interest income recognized				2				41
Interest income foregone		$		20	$			18
The Company's loan portfolio also includes troubled debt restructurings (TDR's), where economic concessions have been granted to borrowers who have experienced or are expected to experience financial difficulties. These concessions typically result from the Company's loss mitigation activities and could include reductions in the interest rate, payment extensions, forgiveness of principal, forbearance or other actions. Certain TDR's are classified as nonperforming at the time of restructure and may only be returned to performing status after considering the borrower's sustained repayment performance for a reasonable period, generally six months.
The following tables include the recorded investment and number of modifications for modified loans, as of September 30, 2013 and 2012. The Company reports the recorded investment in the loans prior to a modification and also the recorded investment in the loans after the loans were restructured.
		For the Three Months Ended
		30-Sep-13
		Number	Pre-Modification		Post-Modification
		of	Outstanding		Outstanding
		Contracts	Recorded		Recorded
			Investment		Investment
		(Dollars in Thousands)
Troubled debt restructurings:
Home equity lines of credit		-	$	-	$	-
Troubled debt restructurings that subsequently defaulted:
Home equity lines of credit		1	$	150	$	150
		For the Three Months Ended
		30-Sep-12
		Number	Pre-Modification		Post-Modification
		of	Outstanding		Outstanding
		Contracts	Recorded		Recorded
			Investment		Investment
		(Dollars in Thousands)
Troubled debt restructurings:
Home equity lines of credit		-	$	-	$	-
Troubled debt restructurings that subsequently defaulted:
Home equity lines of credit		-	$	-	$	-
There is one previously modified TDR in default as of September 30, 2013.
When the Company modifies a loan, management evaluates any possible impairment based on the present value of expected future cash flows, discounted at the contractual interest rate of the original loan agreement, except when the sole (remaining) source of repayment for the loan is the operation or liquidation of the collateral. In these cases, management uses the current fair value of the collateral, less selling costs, instead of discounted cash flows. If management determines that the value of the modified loan is less than the recorded investment in the loan (net of previous charge-offs, deferred loan fees or costs and unamortized premium or discount), impairment is recognized by segment or class of loan, as applicable, through an allowance estimate or a charge-off to the allowance. Segment and class status is determined by the loan's classification at origination.
The allowance for loan losses is established through provisions for loan losses charged against income. Loans deemed to be uncollectible are charged against the allowance account. Subsequent recoveries, if any, are credited to the allowance. The allowance is maintained at a level believed adequate by management to absorb estimated potential loan losses. Management's determination of the adequacy of the allowance is based on periodic evaluations of the loan portfolio considering past experience, current economic conditions, composition of the loan portfolio and other relevant factors. This evaluation is inherently subjective, as it requires material estimates that may be susceptible to significant change.
Effective December 13, 2006, the FDIC, in conjunction with the other federal banking agencies adopted a Revised Interagency Policy Statement on the Allowance for Loan and Lease Losses ("ALLL"). The revised policy statement revised and replaced the banking agencies' 1993 policy statement on the ALLL. The revised policy statement provides that an institution must maintain an ALLL at a level that is appropriate to cover estimated credit losses on individually evaluated loans determined to be impaired, as well as estimated credit losses inherent in the remainder of the loan and lease portfolio. The banking agencies also revised the policy to ensure consistency with generally accepted accounting principles ("GAAP"). The revised policy statement updates the previous guidance that describes the responsibilities of the board of directors, management, and bank examiners regarding the ALLL, factors to be considered in the estimation of the ALLL, and the objectives and elements of an effective loan review system.
Federal regulations require that each insured savings institution classify its assets on a regular basis. In addition, in connection with examinations of insured institutions, federal examiners have authority to identify problem assets and, if appropriate, classify them. There are three classifications for problem assets: "substandard", "doubtful" and "loss". Substandard assets have one or more defined weaknesses and are characterized by the distinct possibility that the insured institution will sustain some loss if the deficiencies are not corrected. Doubtful assets have the weaknesses of those classified as substandard with the added characteristic that the weaknesses make collection or liquidation in full on the basis of currently existing facts, conditions and values questionable, and there is a high possibility of loss. An asset classified as loss is considered uncollectible and of such little value that continuance as an asset of the institution is not warranted. Another category designated "asset watch" is also utilized by the Bank for assets which do not currently expose an insured institution to a sufficient degree of risk to warrant classification as substandard, doubtful or loss. Assets classified as substandard or doubtful require the institution to establish general allowances for loan losses. If an asset or portion thereof is classified as loss, the insured institution must either establish specific allowances for loan losses in the amount of 100% of the portion of the asset classified loss, or charge-off such amount. General loss allowances established to cover possible losses related to assets classified substandard or doubtful may be included in determining an institution's regulatory capital, while specific valuation allowances for loan losses do not qualify as regulatory capital.
The Company's general policy is to internally classify its assets on a regular basis and establish prudent general valuation allowances that are adequate to absorb losses that have not been identified but that are inherent in the loan portfolio. The Company maintains general valuation allowances that it believes are adequate to absorb losses in its loan portfolio that are not clearly attributable to specific loans. The Company's general valuation allowances are within the following general ranges: (1) 0% to 5% of assets subject to special mention; (2) 5.00% to 100% of assets classified substandard; and (3) 50% to 100% of assets classified doubtful. Any loan classified as loss is charged-off. To further monitor and assess the risk characteristics of the loan portfolio, loan delinquencies are reviewed to consider any developing problem loans. Based upon the procedures in place, considering the Company's past charge-offs and recoveries and assessing the current risk elements in the portfolio, management believes the allowance for loan losses at September 30, 2013, is adequate.
The following tables present the classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans as of September 30, 2013 and June 30, 2013:
			Current				30 - 59			60 - 89			90 Days +			90 Days +			Total			Total
							Days Past			Days Past			Past Due			Past Due			Past			Loans
							Due			Due			Accruing			Non-accrual			Due
			(Dollars in Thousands)
September 30, 2013
First mortgage loans:
1 - 4 family dwellings		$		15,762	$			-	$		-	$		-	$		476	$		476	$		16,238
Construction				3,091				-			-			-			701			701			3,792
Land acquisition & development				1,084				-			-			-			-			-			1,084
Multi-family dwellings				2,703				-			-			-			-			-			2,703
Commercial				5,174				-			-			-			-			-			5,174
Consumer Loans:
Home equity				987				-			-			-			-			-			987
Home equity lines of credit				1,918				-			-			-			150			150			2,068
Other				243				-			-			-			-			-			243
Commercial Loans				1,849				-			-			-			-			-			1,849
Obligations (other than securities and leases) of states and political subdivisions				500				-			-			-			-			-			500
		$		33,311	$			-	$		-	$		-	$		1,327	$		1,327			34,638
Less: Deferred loan fees																							(23)
Allowance for loan loss																							(319)
Net Loans Receivable																					$		34,296
			Current				30 - 59			60 - 89			90 Days +			90 Days +			Total			Total
							Days Past			Days Past			Past Due			Past Due			Past			Loans
							Due			Due			Accruing			Non-accrual			Due
			(Dollars in Thousands)
June 30, 2013
First mortgage loans:
1 - 4 family dwellings		$		13,089	$			45	$		-	$		-	$		477	$		522	$		13,611
Construction				1,845				-			-			-			701			701			2,546
Land acquisition & development				1,127				-			-			-			280			280			1,407
Multi-family dwellings				2,780				-			-			-			-			-			2,780
Commercial				5,787				-			-			-			-			-			5,787
Consumer Loans:
Home equity				1,085				-			-			-			-			-			1,085
Home equity lines of credit				1,906				-			-			-			150			150			2,056
Other				180				-			-			-			-			-			180
Commercial Loans				1,884				6			-			-			-			6			1,890
Obligations (other than securities and leases) of states and political subdivisions				500				-			-			-			-			-			500
		$		30,183	$			51	$		-	$		-	$		1,608	$		1,659			31,842
Less: Deferred loan fees																							(4)
Allowance for loan																							(307)
loss
Net Loans Receivable																					$		31,531
Credit quality information
The following tables represent credit exposure by internally assigned grades for the period ended September 30, 2013. The grading system analysis estimates the capability of the borrower to repay the contractual obligations of the loan agreements as scheduled or not at all. The Company's internal credit risk grading system is based on experiences with similarly graded loans.
The Company's internally assigned grades are as follows:
Pass - loans which are protected by the current net worth and paying capacity of the obligor or by the value of the underlying collateral.
Special Mention - loans where a potential weakness or risk exists, which could cause a more serious problem if not corrected.
Substandard - loans that have a well-defined weakness based on objective evidence and can be characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected.
Doubtful - loans classified as doubtful have all the weaknesses inherent in a substandard loan. In addition, these weaknesses make collection or liquidation in full highly questionable and improbable, based on existing circumstances.
Loss - loans classified as loss are considered uncollectible, or of such value that continuance as a loan is not warranted.
The primary credit quality indicator used by management in the 1 - 4 family and consumer loan portfolios is the performance status of the loans. Payment activity is reviewed by Management on a monthly basis to determine how loans are performing. Loans are considered to be non-performing when they become 90 days delinquent, have a history of delinquency, or have other inherent characteristics which Management deems to be weaknesses.
The following tables presents the Company's internally classified construction, land acquisition and development, multi-family residential, commercial real estate and commercial (not secured by real estate) loans at September 30, 2013 and June 30, 2013.
		September 30, 2013
			Construction				Land			Multi-family			Commercial			Commercial			Obligations
							Acquisition			Residential			Real						(other than
							&						Estate						securities
							Development												and leases) of
							Loans												States
																			and Political
																			Subdivisions
		(Dollars in Thousands)
Pass		$		3,091	$			1,084	$		2,703	$		5,174	$		1,848	$		500
Special Mention				-				-			-			-			-			-
Substandard				701				-			-			-			1			-
Doubtful				-				-			-			-			-			-
Ending Balance		$		3,792	$			1,084	$		2,703	$		5,174	$		1,849	$		500
		June 30, 2013
			Construction				Land			Multi-family			Commercial			Commercial			Obligations
							Acquisition			Residential			Real						(other than
							&						Estate						securities
							Development												and leases) of
							Loans												States
																			and Political
																			Subdivisions
		(Dollars in Thousands)
Pass		$		1,845	$			1,127	$		2,780	$		5,787	$		1,889	$		500
Special Mention				-				-			-			-			-			-
Substandard				701				280			-			-			1			-
Doubtful				-				-			-			-			-			-
Ending Balance		$		2,546	$			1,407	$		2,780	$		5,787	$		1,890	$		500
The following table presents performing and non-performing 1 - 4 family residential and consumer loans based on payment activity for the periods ended September 30, 2013 and June 30, 2013.
		September 30, 2013
			1 - 4 Family				Consumer
		(Dollars in Thousands)
Performing		$		15,762	$			3,148
Non-performing				476				150
Total		$		16,238	$			3,298
		June 30, 2013
			1 - 4 Family				Consumer
		(Dollars in Thousands)
Performing		$		13,134	$			3,171
Non-performing				477				150
Total		$		13,611	$			3,321
The Company determines its allowance for loan losses in accordance with generally accepted accounting principles. The Company uses a systematic methodology as required by Financial Reporting Release No. 28 and the various Federal Financial Institutions Examination Council guidelines. The Company also endeavors to adhere to SEC Staff Accounting Bulletin No. 102 in connection with loan loss allowance methodology and documentation issues.
Our methodology used to determine the allocated portion of the allowance is as follows. For groups of homogenous loans, we apply a loss rate to the groups' aggregate balance. Our group loss rate reflects our historical loss experience. We may adjust these group rates to compensate for changes in environmental factors; but our adjustments have not been frequent due to a relatively stable charge-off experience. The Company also monitors industry loss experience on similar loan portfolio segments. We then identify loans for individual evaluation under ASC Topic 310. If the individually identified loans are performing, we apply a segment specific loss rate adjusted for relevant environmental factors, if necessary, for those loans reviewed individually and considered individually impaired, we use one of the three methods for measuring impairment mandated by ASC Topic 310. Generally the fair value of collateral is used since our impaired loans are generally real estate based. In connection with the fair value of collateral measurement, the Company generally uses an independent appraisal and determines costs to sell. The Company's appraisals for commercial income based loans, such as multi-family and commercial real estate loans, assess value based upon the operating cash flows of the business as opposed to merely "as built" values. The Company then validates the reasonableness of our calculated allowances by: (1) reviewing trends in loan volume, delinquencies, restructurings and concentrations; (2) reviewing prior period (historical) charge-offs and recoveries; and (3) presenting the results of this process, quarterly, to the Asset Classification Committee and the Savings Bank's Board of Directors. We then tabulate, format and summarize the current loan loss allowance balance for financial and regulatory reporting purposes.
The Company had no unallocated loss allowance balance at September 30, 2013.
The allowance for loan losses represents the amount which management estimates is adequate to provide for probable losses inherent in its loan portfolio. The allowance method is used in providing for loan losses. Accordingly, all loan losses are charged to the allowance, and all recoveries are credited to it. The allowance for loan losses is established through a provision for loan losses charged to operations. The provision for loan losses is based on management's periodic evaluation of individual loans, economic factors, past loan loss experience, changes in the composition and volume of the portfolio, and other relevant factors. The estimates used in determining the adequacy of the allowance for loan losses, including the amounts and timing of future cash flows expected on impaired loans, are particularly susceptible to changes in the near term.
The following tables present the activity in the allowance for loan losses for the three month periods ended September 30, 2013 and 2012.
			As of September 30, 2013
			First Mortgage Loans
			4-Jan				Construction			Land			Multi-			Commercial			Consumer			Commercial			Total
			Family							Acquisition &			family						Loans			Loans
										Development
		(Dollars in Thousands)
Beginning ALLL Balance at June 30, 2013		$		47	$			117	$		8	$		14	$		57	$		53	$		11	$		307
Charge-offs				-				-			-			-			-			-			-			-
Recoveries				-				-			-			-			-			-			-			-
Provisions				3				13			-			-			(2)			(1)			(1)			12
Ending ALLL Balance at September 30, 2013		$		50	$			130	$		8	$		14	$		55	$		52	$		10	$		319
			As of September 30, 2012
			First Mortgage Loans
			4-Jan				Construction			Land			Multi-			Commercial			Consumer			Commercial			Total
			Family							Acquisition &			family						Loans			Loans
										Development
			(Dollars in Thousands)
Beginning ALLL Balance at June 30, 2012		$		73	$			122	$		21	$		26	$		76	$		53	$		14	$		385
Charge-offs				-				-			-			-			-			-			-			-
Recoveries				-				-			-			-			-			-			-			-
Provisions				(46)				20			(5)			(1)			4			4			-			(24)
Ending ALLL Balance at September 30, 2012		$		27	$			142	$		16	$		25	$		80	$		57	$		14	$		361
The following tables summarize the primary segments of the ALLL, segregated into the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment as of September 30, 2013 and June 30, 2013.
			As of September 30, 2013
			First Mortgage Loans
			4-Jan				Construction			Land			Multi-			Commercial			Consumer			Commercial			Total
			Family							Acquisition &			family						Loans			Loans
										Development
			(Dollars in Thousands)
Individually evaluated for impairment		$		-	$			109	$		-	$		-	$		-	$		-	$		-	$		109
Collectively evaluated for impairment				50				21			8			14			55			52			10			210
		$		50	$			130	$		8	$		14	$		55	$		52	$		10	$		319
			As of June 30, 2013
			First Mortgage Loans
			4-Jan				Construction			Land			Multi-			Commercial			Consumer			Commercial			Total
			Family							Acquisition &			family						Loans			Loans
										Development
			(Dollars in Thousands)
Individually evaluated for impairment		$		-	$			107	$		-	$		-	$		-	$		-	$		-	$		107
Collectively evaluated for impairment				47				10			8			14			57			53			11			200
		$		47	$			117	$		8	$		14	$		57	$		53	$		11	$		307

FAIR_VALUE_MEASUREMENTS

FAIR VALUE MEASUREMENTS	3 Months Ended
	Sep. 30, 2013
FAIR VALUE MEASUREMENTS [Abstract]	'
FAIR VALUE MEASUREMENTS	'
	10	FAIR VALUE MEASUREMENTS
	Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in the principal or most advantageous market for an asset or liability in an orderly transaction between market participants at the measurement date. GAAP established a fair value hierarchy that prioritizes the use of inputs used in valuation methodologies into the following three levels:
	Level I:	Quoted prices are available in active markets for identical assets or liabilities as of the reported date.
	Level II:	Pricing inputs are other than the quoted prices in active markets, which are either directly or indirectly observable as of the reported date. The nature of these assets and liabilities includes items for which quoted prices are available but traded less frequently and items that are fair-valued using other financial instruments, the parameters of which can be directly observed.
	Level III:	Assets and liabilities that have little to no pricing observability as of the reported date. These items do not have two-way markets and are measured using management's best estimate of fair value, where the inputs into the determination of fair value require significant management judgment or estimation.
	Assets Measured at Fair Value on a Recurring Basis
	Investment Securities Available-for-Sale
	Fair values for securities available for sale are determined by obtaining quoted prices on nationally recognized securities exchanges or matrix pricing, which is a mathematical technique widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities, but rather by relying on the securities' relationship to other benchmark quoted securities. The Company has no Level I or Level III investment securities. Level II investment securities were primarily comprised of investment-grade corporate bonds and U.S. dollar-denominated investment-grade corporate bonds of large foreign issuers.
	The following tables present the assets reported on a recurring basis on the Consolidated Balance Sheet at their fair value as of September 30, 2013 and June 30, 2013, by level within the fair value hierarchy. As required by GAAP, financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement.
				September 30, 2013
				Level I				Level II			Level III				Total
				(Dollars in Thousands)
	Assets measured on a recurring basis:
	Investment securities - available for sale:
	Corporate securities		$		-	$			60,571	$		-		$		60,571
	Foreign debt securities (1)				-				3,145			-				3,145
			$		-	$			63,716	$		-		$		63,716
				June 30, 2013
				Level I				Level II			Level III				Total
				(Dollars in Thousands)
	Assets measured on a recurring basis:
	Investment securities - available for sale:
	Corporate securities		$		-	$			73,465	$		-		$		73,465
	Foreign debt securities (1)				-				3,721			-				3,721
			$		-	$			77,186	$		-		$		77,186
		-1	U.S. dollar-denominated investment-grade corporate bonds of large foreign issuers
	Assets Measured at Fair Value on a Nonrecurring Basis
	The Company may be required, from time to time, to measure certain financial assets and financial liabilities at fair value on a nonrecurring basis in accordance with U.S. generally accepted accounting principles. These include assets that are measured at the lower of cost or market value that were recognized at fair value below cost at the end of the period.
	Impaired Loans
	Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement are considered impaired. Once a loan is identified as individually impaired, management measures impairment in accordance with ASC Topic 310. The fair value of impaired loans is estimated using one of several methods, including collateral value, liquidation value and discounted cash flows. Those impaired loans not requiring an allowance represent loans for which the fair value of the expected repayments or collateral exceed the recorded investments in such loans. Collateral values are estimated using Level II inputs based on observable market data or Level III inputs based on customized discounting criteria. For a majority of impaired real estate related loans, the Company obtains a current external appraisal. Other valuation techniques are used as well, including internal valuations, comparable property analysis and contractual sales information. The Company has no Level I or Level II impaired loans. Level III impaired loans were primarily comprised of one single-family residential construction loan, one land loan, and one home equity line of credit.
	The following tables present the assets reported on a non-recurring basis on the consolidated balance sheet at their fair values as of September 30, 2013 and June 30, 2013, by level within the fair value hierarchy. As required by GAAP, financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement.
				September 30, 2013
				Level I				Level II			Level III				Total
				(Dollars in Thousands)
	Assets measured on a non-recurring basis:
	Impaired loans		$		-	$			-	$		742		$		742
	Total		$		-	$			-	$		742		$		742
				June 30, 2013
				Level I				Level II			Level III				Total
				(Dollars in Thousands)
	Assets measured on a non-recurring basis:
	Impaired loans		$		-	$			-	$		1,024		$		1,024
	Total		$		-	$			-	$		1,024		$		1,024
	For Level III assets measured at fair value on a recurring and non-recurring basis as of September 30, 2013 and June 30, 2013, the significant observable inputs used in the fair value measurements were as follows:
				Fair Value at
				September 30,		June 30,				Valuation			Significant		Significant Unobservable
				2013		2013				Technique			Unobservable		Input Range (Weighted
													Inputs		Average)
				(Dollars in Thousands)
	Impaired loans		$		742	$	1,024			Appraisal of			Discounted		0% to 9.8% / 7.7%
										collateral(1)			appraisal(2)
		(1)	Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various level III inputs which are not identifiable.
		(2)	Appraisals may be adjusted by management for qualitative factors such as economic conditions. The range and weighted average of appraisal adjustments are presented as a percentage of the appraisals.
	When evaluating the value of the collateral on impaired loans, the Company will consider the age of the most current appraisal, and discount the appraised value from 1.0% to 15.0%.
	The Company classifies financial instruments in Level III of the fair value hierarchy when there is reliance on at least one significant unobservable input to the valuation model. In addition to these unobservable inputs, the valuation model for Level III financial instruments typically also rely on a number of inputs that are readily observable, either directly or indirectly.

FAIR_VALUE_OF_FINANCIAL_INSTRU

FAIR VALUE OF FINANCIAL INSTRUMENTS	3 Months Ended
	Sep. 30, 2013
FAIR VALUE OF FINANCIAL INSTRUMENTS [Abstract]	'
FAIR VALUE OF FINANCIAL INSTRUMENTS	'
	11	FAIR VALUE OF FINANCIAL INSTRUMENTS
	The carrying amounts and estimated fair values are as follows:
				September 30, 2013
				Carrying			Fair
				Amount			Value			Level I			Level II			Level III
				(Dollars in Thousands)
	FINANCIAL ASSETS
	Cash and cash equivalents		$		2,467	$		2,467	$		2,467	$		-	$		-
	Certificates of deposit				598			598			598			-			-
	Investment securities - available for sale				63,716			63,716			-			63,716			-
	Investment securities - held to maturity				22,172			22,515			-			22,515			-
	Mortgage-backed securities - held to maturity:
	Agency				157,428			157,358			-			157,358			-
	Private-label				3,104			3,625			-			-			3,625
	Net loans receivable				34,296			35,801			-			-			35,801
	Accrued interest receivable				1,464			1,464			1,464			-			-
	FHLB stock				5,211			5,211			5,211			-			-
	Bank owned life insurance				2,000			2,000			2,000			-			-
	FINANCIAL LIABILITIES
	Deposits:
	Non-interest bearing deposits		$		17,940	$		17,940	$		17,940	$		-	$		-
	NOW accounts				20,930			20,930			20,930			-			-
	Savings accounts				41,808			41,808			41,808			-			-
	Money market accounts				24,431			24,431			24,431			-			-
	Certificates of deposit				38,092			38,131			-			-			38,131
	Advance payments by borrowers for taxes and insurance				251			251			251			-			-
	FHLB long-term advances				17,500			18,057			-			-			18,057
	FHLB short-term advances				102,070			102,070			102,070			-			-
	Accrued interest payable				212			212			212			-			-
				June 30, 2013
				Carrying			Fair
				Amount			Value			Level I			Level II			Level III
				(Dollars in Thousands)
	FINANCIAL ASSETS
	Cash and cash equivalents		$		1,927	$		1,927	$		1,927	$		-	$		-
	Certificates of deposit				598			598			598			-			-
	Investment securities - available for sale				77,186			77,186			-			77,186			-
	Investment securities - held to maturity				26,420			26,956			-			26,956			-
	Mortgage-backed securities - held to maturity:
	Agency				135,621			135,733			-			135,733			-
	Private-label				3,647			4,265			-			109			4,156
	Net loans receivable				31,531			33,194			-			-			33,194
	Accrued interest receivable				1,371			1,371			1,371			-			-
	FHLB stock				5,682			5,682			5,682			-			-
	Bank owned life insurance				4,026			4,026			4,026			-			-
	FINANCIAL LIABILITIES
	Deposits:
	Non-interest bearing deposits		$		14,911	$		14,911	$		14,911	$		-	$		-
	NOW accounts				20,654			20,654			20,654			-			-
	Savings accounts				41,808			41,808			41,808			-			-
	Money market accounts				23,772			23,772			23,772			-			-
	Certificates of deposit				38,829			38,885			-			-			38,885
	Advance payments by borrowers for taxes and insurance				550			550			550			-			-
	FHLB long-term advances				17,500			18,525			-			-			18,525
	FHLB short-term advances				96,712			96,712			96,712			-			-
	Accrued interest payable				210			210			210			-			-
	Financial instruments are defined as cash, evidence of an ownership interest in an entity, or a contract which creates an obligation or right to receive or deliver cash or another financial instrument from or to a second entity on potentially favorable or unfavorable terms.
	Fair value is defined as the amount at which a financial instrument could be exchanged in a current transaction between willing parties, other than in a forced or liquidation sale. If a quoted market price is available for a financial instrument, the estimated fair value would be calculated based upon the market price per trading unit of the instrument.
	If no readily available market exists, the fair value estimates for financial instruments should be based upon management's judgment regarding current economic conditions, interest rate risk, expected cash flows, future estimated losses, and other factors, as determined through various option pricing formulas or simulation modeling. As many of these assumptions result from judgments made by management based upon estimates, which are inherently uncertain, the resulting estimated values may not be indicative of the amount realizable in the sale of a particular financial instrument. In addition, changes in the assumptions on which the estimated values are based may have a significant impact on the resulting estimated values.
	As certain assets and liabilities, such as deferred tax assets, premises and equipment, and many other operational elements of the Company, are not considered financial instruments, but have value, this estimated fair value of financial instruments would not represent the full market value of the Company.
	Estimated fair values have been determined by the Company using the best available data, as generally provided in internal Savings Bank regulatory, or third party valuation reports, using an estimation methodology suitable for each category of financial instruments. The estimation methodologies used are as follows:
	Cash and Cash Equivalents, Certificates of Deposit, Accrued Interest Receivable and Payable, and FHLB Short-term Advances
	The fair value approximates the current carrying value.
Investment Securities, Mortgage-Backed Securities, and FHLB Stock
The fair value of investment and mortgage-backed securities is equal to the available quoted market price. If no quoted market price is available, fair value is estimated using the quoted market price for similar securities. For discussion of valuation of private-label CMOs, see Note 8 "Unrealized Losses on Securities". Since the FHLB stock is not actively traded on a secondary market and held exclusively by member financial institutions, the estimated fair market value approximates the carrying amount.
Bank Owned Life Insurance ("BOLI")
The fair value of BOLI at September 30, 2013 and June 30, 2013 approximated the cash surrender value of the policies at these dates.
Net Loans Receivable and Deposits
Fair value for consumer mortgage loans is estimated using market quotes or discounting contractual cash flows for prepayment estimates. Discount rates were obtained from secondary market sources, adjusted to reflect differences in servicing, credit, and other characteristics.
The estimated fair values for consumer, fixed-rate commercial, and multi-family real estate loans are estimated by discounting contractual cash flows for prepayment estimates. Discount rates are based upon rates generally charged for such loans with similar credit characteristics.
The estimated fair value for nonperforming loans is the appraised value of the underlying collateral adjusted for estimated credit risk.
Demand, savings, and money market deposit accounts are reported at book value. The fair value of certificates of deposit is based upon the discounted value of the contractual cash flows. The discount rate is estimated using average market rates for deposits with similar average terms.
FHLB Long-term Advances
The fair values of fixed-rate advances are estimated using discounted cash flows, based on current incremental borrowing rates for similar types of borrowing arrangements. The carrying amount on variable rate advances approximates their fair value.
Commitments to Extend Credit
These financial instruments are generally not subject to sale, and estimated fair values are not readily available. The carrying value, represented by the net deferred fee arising from the unrecognized commitment, and the fair value, determined by discounting the remaining contractual fee over the term of the commitment using fees currently charged to enter into similar agreements with similar credit risk, is not considered material for disclosure.

EARNINGS_PER_SHARE_Tables

EARNINGS PER SHARE (Tables)	3 Months Ended
	Sep. 30, 2013
EARNINGS PER SHARE [Abstract]	'
Schedule of Basic and Diluted Earnings Per Share	'
		Three Months Ended
		September 30,
		2013		2012
	Weighted average common shares issued		3,805,636		3,805,636
	Average treasury stock shares		(1,747,706)		(1,747,706)
	Weighted average common shares and common stock equivalents used to calculate basic earnings per share		2,057,930		2,057,930
	Additional common stock equivalents (stock options) used to calculate diluted earnings per share		-		-
	Weighted average common shares and common stock equivalents used to calculate diluted earnings per share		2,057,930		2,057,930

STOCK_BASED_COMPENSATION_DISCL1

STOCK BASED COMPENSATION DISCLOSURE (Tables)	3 Months Ended
	Sep. 30, 2013
STOCK BASED COMPENSATION DISCLOSURE [Abstract]	'
Schedule of Fair Value of Stock Options Granted, Assumptions	'
	Assumptions
	Volatility	7.49	%	to	11.63	%
	Interest Rates	2.59	%	to	3.89	%
	Dividend Yields	3.94	%	to	4.02	%
	Weighted Average Life (in years)	10

INVESTMENT_SECURITIES_Tables

INVESTMENT SECURITIES (Tables)	3 Months Ended
	Sep. 30, 2013
INVESTMENT SECURITIES [Abstract]	'
Schedule of Amortized Cost and Fair Values of Investments	'
				Amortized			Gross			Gross			Fair
				Cost			Unrealized			Unrealized			Value
							Gains			Losses
	September 30, 2013		(Dollars in Thousands)
	AVAILABLE FOR SALE
	Corporate debt securities		$		60,444	$		204	$		(77)	$		60,571
	Foreign debt securities 1				3,134			12			(1)			3,145
	Total		$		63,578	$		216	$		(78)	$		63,716
				Amortized			Gross			Gross			Fair
				Cost			Unrealized			Unrealized			Value
							Gains			Losses
	September 30, 2013		(Dollars in Thousands)
	HELD TO MATURITY
	U.S. government agency securities		$		11,954	$		4	$		(344)	$		11,614
	Corporate debt securities				10,218			683			-			10,901
	Total		$		22,172	$		687	$		(344)	$		22,515
	1	U.S. dollar-denominated investment-grade corporate bonds of large foreign issuers.
				Amortized			Gross			Gross			Fair
				Cost			Unrealized			Unrealized			Value
							Gains			Losses
	June 30, 2013			(Dollars in Thousands)
	AVAILABLE FOR SALE
	Corporate debt securities		$		73,349	$		223	$		(107)	$		73,465
	Foreign debt securities 1				3,718			8			(5)			3,721
	Total		$		77,067	$		231	$		(112)	$		77,186
				Amortized			Gross			Gross			Fair
				Cost			Unrealized			Unrealized			Value
							Gains			Losses
	June 30, 2013			(Dollars in Thousands)
	HELD TO MATURITY
	U.S. government agency securities		$		9,995	$		-	$		(328)	$		9,667
	Corporate debt securities				14,425			853			-			15,278
	Foreign debt securities 1				2,000			11			-			2,011
	Total		$		26,420	$		864	$		(328)	$		26,956
Schedule of Investments by Contractual Maturity	'
				Due in			Due after			Due after			Due after			Due after			Due after			Total
				one year			one through			two through			three through			five through			ten years
				or less			two years			three years			five years			ten years
				(Dollars in Thousands)
	AVAILABLE FOR SALE
	Amortized cost		$		35,846	$		13,908	$		11,829	$		1,004	$		991	$		-	$		63,578
	Fair value				35,929			14,015			11,813			983			976			-			63,716
	HELD TO MATURITY
	Amortized cost		$		5,012	$		999	$		522	$		2,551	$		1,133	$		11,955	$		22,172
	Fair value				5,072			1,075			594			2,834			1,326			11,614			22,515

MORTGAGEBACKED_SECURITIES_Tabl

MORTGAGE-BACKED SECURITIES (Tables)	3 Months Ended
	Sep. 30, 2013
MORTGAGE-BACKED SECURITIES [Abstract]	'
Schedule of Information Relating To Private Label CMO Portfolio	'
			At September 30, 2013
			Rating				Book		Fair				Life to Date
							Value		Value2				Impairment
													Recorded in
													Earnings
	Cusip #	Security Description	S&P		Moody's	Fitch	(in thousands)
	126694CP1	CWHL SER 21 A11	N/A		Caa2	C	$	1,805	$	2,199			$	201
	126694KF4	CWHL SER 24 A15	D		N/A	D		312		348				33
	126694KF4	CWHL SER 24 A15	D		N/A	D		622		697				66
	126694MP0	CWHL SER 26 1A5	CC		N/A	C		365		381				36
							$	3,104	$	3,625			$	336
Schedule of Amortized Cost and Fair Values of Mortgage-Backed Securities	'
							Gross				Gross
			Amortized				Unrealized				Unrealized					Fair
			Cost				Gains				Losses					Value
			(Dollars in Thousands)
	September 30, 2013
	HELD TO MATURITY
	Collateralized mortgage obligations:
	Agency	$		157,428		$		1,053	$			(1,123)			$		157,358
	Private-label			3,104				521				-					3,625
	Total	$		160,532		$		1,574	$			(1,123)			$		160,983
							Gross				Gross
			Amortized				Unrealized				Unrealized					Fair
			Cost				Gains				Losses					Value
	June 30, 2013			(Dollars in Thousands)
	HELD TO MATURITY
	Collateralized mortgage obligations:
	Agency	$		135,621		$		368	$			(256)			$		135,733
	Private-label			3,647				621				(3)					4,265
	Total	$		139,268		$		989	$			(259)			$		139,998
	2 Fair value estimate provided by the Company's independent third party valuation consultant.
Schedule of Mortgage-Backed Securities by Contractual Maturity	'
			Due in				Due after				Due after					Due after			Total
			one year				one through				five through					ten years
			or less				five years				ten years
		(Dollars in Thousands)
	HELD TO MATURITY
	Amortized cost	$		-		$		-	$			308			$		160,224	$		160,532
	Fair value	$		-		$		-	$			314			$		160,669	$		160,983

ACCUMULATED_OTHER_COMPREHENSIV1

ACCUMULATED OTHER COMPREHENSIVE INCOME (Tables)	3 Months Ended
	Sep. 30, 2013
ACCUMULATED OTHER COMPREHENSIVE INCOME DISCLOSURE [Abstract]	'
Schedule of Changes in Accumulated Other Comprehensive Income	'
		Three Months Ended September 30, 2013
		(Dollars in Thousands - net of tax)
		Unrealized Gains		Unrealized Gains		Total
		and Losses on		and Losses on
		Available-for-sale		Held-to-maturity
		Securities		Securities
	Beginning Balance - June 30, 2013	$	78	$	(820)	$	(742)
	Other comprehensive income before reclassifications		13		95		108
	Net current-period other comprehensive income		13		95		108
	Ending Balance - September 30, 2013	$	91	$	(725)	$	(634)

UNREALIZED_LOSSES_ON_SECURITIE1

UNREALIZED LOSSES ON SECURITIES (Tables)	3 Months Ended
	Sep. 30, 2013
UNREALIZED LOSSES ON SECURITIES [Abstract]	'
Schedule of Gross Unrealized Losses and Fair Value	'
			30-Sep-13
			Less Than Six Months									Six through Twelve Months						Twelve Months or Greater						Total
					Fair					Gross			Fair			Gross			Fair			Gross			Fair			Gross
					Value					Unrealized			Value			Unrealized			Value			Unrealized			Value			Unrealized
										Losses						Losses						Losses						Losses
			(Dollars in Thousands)
	U.S. government agencies securities		$			9,654			$		(344)	$		-	$		-	$		-	$		-	$		9,654	$		(344)
	Corporate debt securities					4,537					(6)			5,341			(71)			-			-			9,878			(77)
	Foreign debt securities1					-					-			520			(1)			-			-			520			(1)
	Collateralized mortgage obligations:
	Agency					66,174					(794)			23,945			(286)			3,945			(43)			94,064			(1,123)
	Total		$			80,365			$		(1,144)	$		29,806	$		(358)	$		3,945	$		(43)	$		114,116	$		(1,545)
			June 30, 2013
			Less Than Six Months									Six through Twelve Months						Twelve Months or Greater						Total
					Fair					Gross			Fair			Gross			Fair			Gross			Fair			Gross
					Value					Unrealized			Value			Unrealized			Value			Unrealized			Value			Unrealized
										Losses						Losses						Losses						Losses
			(Dollars in Thousands)
	U.S. government agencies securities		$			9,667			$		(328)	$		-	$		-	$		-	$		-	$		9,667	$		(328)
	Corporate debt securities					15,042					(78)			2,322			(29)			-			-			17,364			(107)
	Foreign debt securities1					-					-			518			(5)			-			-			518			(5)
	Collateralized mortgage obligations:
	Agency					49,176					(235)			782			(13)			4,900			(8)			54,858			(256)
	Private-label					-					-			-			-			109			(3)			109			(3)
	Total		$			73,885			$		(641)	$		3,622	$		(47)	$		5,009	$		(11)	$		82,516	$		(699)
	1	U.S. dollar-dominated investment-grade corporate bonds of large foreign issuers.
Schedule of Changes in the Credit Loss	'
			Three Months Ended
			September 30,
			2013				2012
			(Dollars in Thousands)
	Beginning balance			$  316				$  324
	Initial credit impairment			-				-
	Subsequent credit impairment			-				-
	Reductions for amounts recognized in earnings due to intent or requirement to sell			-				-
	Reductions for securities sold			-				-
	Reduction for actual realized losses			(7)				-
	Reduction for increase in cash flows expected to be collected			-				-
	Ending Balance			$  309				$  324

LOANS_AND_RELATED_ALLOWANCE_FO1

LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES (Tables)	3 Months Ended
	Sep. 30, 2013
LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES [Abstract]	'
Schedule of Primary Segments of Loan Portfolio	'
			September 30, 2013									June 30, 2013
			Total				Individually			Collectively			Total			Individually			Collectively
			Loans				evaluated			evaluated			Loans			evaluated			evaluated
							for			for						for			for
							impairment			impairment						impairment			impairment
			(Dollars in Thousands)
	First mortgage loans:
	1 - 4 family dwellings	$		16,238	$			-	$		16,238	$		13,611	$		-	$		13,611
	Construction			3,792				701			3,091			2,546			701			1,845
	Land acquisition & development			1,084				-			1,084			1,407			280			1,127
	Multi-family dwellings			2,703				-			2,703			2,780			-			2,780
	Commercial			5,174				-			5,174			5,787			-			5,787
	Consumer Loans
	Home equity			987				-			987			1,085			-			1,085
	Home equity lines of credit			2,068				150			1,918			2,056			150			1,906
	Other			243				-			243			180			-			180
	Commercial Loans			1,849				-			1,849			1,890			-			1,890
	Obligations (other than securities and leases) of states and political subdivisons			500				-			500			500			-			500
		$		34,638	$			851	$		33,787	$		31,842	$		1,131	$		30,711
	Less: Deferred loan fees			(23)										(4)
	Allowance for loan losses			(319)										(307)
	Total	$		34,296								$		31,531
Schedule of Impaired Loans	'
			September 30,				June 30,
			2013				2013
			(Dollars in Thousands)
	Impaired loans with an allocated allowance:
	Construction loans	$		701	$			701
	Impaired loans without an allocated allowance:
	Construction loans			-				-
	Land acquisition & development loans			-				280
	Home equity lines of credit			150				150
	Total impaired loans	$		851	$			1,131
	Allocated allowance on impaired loans:
	Construction loans	$		109	$			107
			Three Months Ended
			September 30,				September 30,
			2013				2012
			(Dollars in Thousands)
	Average impaired loans:
	Construction loans	$		701	$			701
	Land acquisition & development loans			57				-
	Home equity lines of credit			150				150
	Total	$		908	$			851
	Income recognized on impaired loans:
	Construction loans	$		-	$			-
	Land acquisition & development loans			-				-
	Home equity lines of credit			1				2
	Total	$		1	$			2
Schedule of Nonaccrual Loans	'
			September 30,				June 30,
			2013				2013
			(Dollars in Thousands)
	Principal outstanding
	1 - 4 family dwellings	$		476	$			477
	Construction			701				701
	Land acquisition & development			-				280
	Home equity lines of credit			150				150
	Total	$		1,327	$			1,608
	Three Months Ended
			September 30,				September 30,
			2013				2012
			(Dollars in Thousands)
	Average nonaccrual loans
	1 - 4 family dwellings	$		477	$			282
	Construction			701				1,051
	Land acquisition & development			57				290
	Home equity lines of credit			150				150
	Total	$		1,385	$			1,773
	Income that would have been recognized	$		22	$			27
	Interest income recognized			2				41
	Interest income foregone	$		20	$			18
Schedule of Recorded Investment	'
		For the Three Months Ended
		30-Sep-13
		Number	Pre-Modification		Post-Modification
		of	Outstanding		Outstanding
		Contracts	Recorded		Recorded
			Investment		Investment
		(Dollars in Thousands)
	Troubled debt restructurings:
	Home equity lines of credit	-	$	-	$	-
	Troubled debt restructurings that subsequently defaulted:
	Home equity lines of credit	1	$	150	$	150
		For the Three Months Ended
		30-Sep-12
		Number	Pre-Modification		Post-Modification
		of	Outstanding		Outstanding
		Contracts	Recorded		Recorded
			Investment		Investment
		(Dollars in Thousands)
	Troubled debt restructurings:
	Home equity lines of credit	-	$	-	$	-
	Troubled debt restructurings that subsequently defaulted:
	Home equity lines of credit	-	$	-	$	-
Schedule of Loan Portfolio by Aging Categories	'
			Current				30 - 59			60 - 89			90 Days +			90 Days +			Total			Total
							Days Past			Days Past			Past Due			Past Due			Past			Loans
							Due			Due			Accruing			Non-accrual			Due
			(Dollars in Thousands)
	September 30, 2013
	First mortgage loans:
	1 - 4 family dwellings	$		15,762	$			-	$		-	$		-	$		476	$		476	$		16,238
	Construction			3,091				-			-			-			701			701			3,792
	Land acquisition & development			1,084				-			-			-			-			-			1,084
	Multi-family dwellings			2,703				-			-			-			-			-			2,703
	Commercial			5,174				-			-			-			-			-			5,174
	Consumer Loans:
	Home equity			987				-			-			-			-			-			987
	Home equity lines of credit			1,918				-			-			-			150			150			2,068
	Other			243				-			-			-			-			-			243
	Commercial Loans			1,849				-			-			-			-			-			1,849
	Obligations (other than securities and leases) of states and political subdivisions			500				-			-			-			-			-			500
		$		33,311	$			-	$		-	$		-	$		1,327	$		1,327			34,638
	Less: Deferred loan fees																						(23)
	Allowance for loan loss																						(319)
	Net Loans Receivable																				$		34,296
			Current				30 - 59			60 - 89			90 Days +			90 Days +			Total			Total
							Days Past			Days Past			Past Due			Past Due			Past			Loans
							Due			Due			Accruing			Non-accrual			Due
			(Dollars in Thousands)
	June 30, 2013
	First mortgage loans:
	1 - 4 family dwellings	$		13,089	$			45	$		-	$		-	$		477	$		522	$		13,611
	Construction			1,845				-			-			-			701			701			2,546
	Land acquisition & development			1,127				-			-			-			280			280			1,407
	Multi-family dwellings			2,780				-			-			-			-			-			2,780
	Commercial			5,787				-			-			-			-			-			5,787
	Consumer Loans:
	Home equity			1,085				-			-			-			-			-			1,085
	Home equity lines of credit			1,906				-			-			-			150			150			2,056
	Other			180				-			-			-			-			-			180
	Commercial Loans			1,884				6			-			-			-			6			1,890
	Obligations (other than securities and leases) of states and political subdivisions			500				-			-			-			-			-			500
		$		30,183	$			51	$		-	$		-	$		1,608	$		1,659			31,842
	Less: Deferred loan fees																						(4)
	Allowance for loan																						(307)
	loss
	Net Loans Receivable																				$		31,531
Schedule of Loans by Internal Classification	'
		September 30, 2013
			Construction				Land			Multi-family			Commercial			Commercial			Obligations
							Acquisition			Residential			Real						(other than
							&						Estate						securities
							Development												and leases) of
							Loans												States
																			and Political
																			Subdivisions
		(Dollars in Thousands)
	Pass	$		3,091	$			1,084	$		2,703	$		5,174	$		1,848	$		500
	Special Mention			-				-			-			-			-			-
	Substandard			701				-			-			-			1			-
	Doubtful			-				-			-			-			-			-
	Ending Balance	$		3,792	$			1,084	$		2,703	$		5,174	$		1,849	$		500
		June 30, 2013
			Construction				Land			Multi-family			Commercial			Commercial			Obligations
							Acquisition			Residential			Real						(other than
							&						Estate						securities
							Development												and leases) of
							Loans												States
																			and Political
																			Subdivisions
		(Dollars in Thousands)
	Pass	$		1,845	$			1,127	$		2,780	$		5,787	$		1,889	$		500
	Special Mention			-				-			-			-			-			-
	Substandard			701				280			-			-			1			-
	Doubtful			-				-			-			-			-			-
	Ending Balance	$		2,546	$			1,407	$		2,780	$		5,787	$		1,890	$		500
Schedule of Performing and Non-Performing Loans	'
		September 30, 2013
			1 - 4 Family				Consumer
		(Dollars in Thousands)
	Performing	$		15,762	$			3,148
	Non-performing			476				150
	Total	$		16,238	$			3,298
		June 30, 2013
			1 - 4 Family				Consumer
		(Dollars in Thousands)
	Performing	$		13,134	$			3,171
	Non-performing			477				150
	Total	$		13,611	$			3,321
Schedule of Primary Segments of Allowance for Loan Losses	'
			As of September 30, 2013
			First Mortgage Loans
			4-Jan				Construction			Land			Multi-			Commercial			Consumer			Commercial			Total
			Family							Acquisition &			family						Loans			Loans
										Development
		(Dollars in Thousands)
	Beginning ALLL Balance at June 30, 2013	$		47	$			117	$		8	$		14	$		57	$		53	$		11	$		307
	Charge-offs			-				-			-			-			-			-			-			-
	Recoveries			-				-			-			-			-			-			-			-
	Provisions			3				13			-			-			(2)			(1)			(1)			12
	Ending ALLL Balance at September 30, 2013	$		50	$			130	$		8	$		14	$		55	$		52	$		10	$		319
			As of September 30, 2012
			First Mortgage Loans
			4-Jan				Construction			Land			Multi-			Commercial			Consumer			Commercial			Total
			Family							Acquisition &			family						Loans			Loans
										Development
			(Dollars in Thousands)
	Beginning ALLL Balance at June 30, 2012	$		73	$			122	$		21	$		26	$		76	$		53	$		14	$		385
	Charge-offs			-				-			-			-			-			-			-			-
	Recoveries			-				-			-			-			-			-			-			-
	Provisions			(46)				20			(5)			(1)			4			4			-			(24)
	Ending ALLL Balance at September 30, 2012	$		27	$			142	$		16	$		25	$		80	$		57	$		14	$		361
Schedule of Loans Individually Evaluated For Impairment and the Amount Required For Loans Collectively Evaluated For Impairment	'
			As of September 30, 2013
			First Mortgage Loans
			4-Jan				Construction			Land			Multi-			Commercial			Consumer			Commercial			Total
			Family							Acquisition &			family						Loans			Loans
										Development
			(Dollars in Thousands)
	Individually evaluated for impairment	$		-	$			109	$		-	$		-	$		-	$		-	$		-	$		109
	Collectively evaluated for impairment			50				21			8			14			55			52			10			210
		$		50	$			130	$		8	$		14	$		55	$		52	$		10	$		319
			As of June 30, 2013
			First Mortgage Loans
			4-Jan				Construction			Land			Multi-			Commercial			Consumer			Commercial			Total
			Family							Acquisition &			family						Loans			Loans
										Development
			(Dollars in Thousands)
	Individually evaluated for impairment	$		-	$			107	$		-	$		-	$		-	$		-	$		-	$		107
	Collectively evaluated for impairment			47				10			8			14			57			53			11			200
		$		47	$			117	$		8	$		14	$		57	$		53	$		11	$		307

FAIR_VALUE_MEASUREMENTS_Tables

FAIR VALUE MEASUREMENTS (Tables)	3 Months Ended
	Sep. 30, 2013
FAIR VALUE MEASUREMENTS [Abstract]	'
Assets Measured at Fair Value on a Recurring Basis	'
				September 30, 2013
				Level I				Level II			Level III				Total
				(Dollars in Thousands)
	Assets measured on a recurring basis:
	Investment securities - available for sale:
	Corporate securities		$		-	$			60,571	$		-		$		60,571
	Foreign debt securities (1)				-				3,145			-				3,145
			$		-	$			63,716	$		-		$		63,716
				June 30, 2013
				Level I				Level II			Level III				Total
				(Dollars in Thousands)
	Assets measured on a recurring basis:
	Investment securities - available for sale:
	Corporate securities		$		-	$			73,465	$		-		$		73,465
	Foreign debt securities (1)				-				3,721			-				3,721
			$		-	$			77,186	$		-		$		77,186
		-1	U.S. dollar-denominated investment-grade corporate bonds of large foreign issuers
Assets Measured at Fair Value on a Nonrecurring Basis	'
				September 30, 2013
				Level I				Level II			Level III				Total
				(Dollars in Thousands)
	Assets measured on a non-recurring basis:
	Impaired loans		$		-	$			-	$		742		$		742
	Total		$		-	$			-	$		742		$		742
				June 30, 2013
				Level I				Level II			Level III				Total
				(Dollars in Thousands)
	Assets measured on a non-recurring basis:
	Impaired loans		$		-	$			-	$		1,024		$		1,024
	Total		$		-	$			-	$		1,024		$		1,024
Schedule of Significant Observable Inputs	'
				Fair Value at
				September 30,		June 30,				Valuation			Significant		Significant Unobservable
				2013		2013				Technique			Unobservable		Input Range (Weighted
													Inputs		Average)
				(Dollars in Thousands)
	Impaired loans		$		742	$	1,024			Appraisal of			Discounted		0% to 9.8% / 7.7%
										collateral(1)			appraisal(2)
		(1)	Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various level III inputs which are not identifiable.
		(2)	Appraisals may be adjusted by management for qualitative factors such as economic conditions. The range and weighted average of appraisal adjustments are presented as a percentage of the appraisals.

FAIR_VALUE_OF_FINANCIAL_INSTRU1

FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)	3 Months Ended
	Sep. 30, 2013
FAIR VALUE OF FINANCIAL INSTRUMENTS [Abstract]	'
Schedule of Carrying Amounts and Fair Values of Financial Instruments	'
			September 30, 2013
			Carrying			Fair
			Amount			Value			Level I			Level II			Level III
			(Dollars in Thousands)
	FINANCIAL ASSETS
	Cash and cash equivalents	$		2,467	$		2,467	$		2,467	$		-	$		-
	Certificates of deposit			598			598			598			-			-
	Investment securities - available for sale			63,716			63,716			-			63,716			-
	Investment securities - held to maturity			22,172			22,515			-			22,515			-
	Mortgage-backed securities - held to maturity:
	Agency			157,428			157,358			-			157,358			-
	Private-label			3,104			3,625			-			-			3,625
	Net loans receivable			34,296			35,801			-			-			35,801
	Accrued interest receivable			1,464			1,464			1,464			-			-
	FHLB stock			5,211			5,211			5,211			-			-
	Bank owned life insurance			2,000			2,000			2,000			-			-
	FINANCIAL LIABILITIES
	Deposits:
	Non-interest bearing deposits	$		17,940	$		17,940	$		17,940	$		-	$		-
	NOW accounts			20,930			20,930			20,930			-			-
	Savings accounts			41,808			41,808			41,808			-			-
	Money market accounts			24,431			24,431			24,431			-			-
	Certificates of deposit			38,092			38,131			-			-			38,131
	Advance payments by borrowers for taxes and insurance			251			251			251			-			-
	FHLB long-term advances			17,500			18,057			-			-			18,057
	FHLB short-term advances			102,070			102,070			102,070			-			-
	Accrued interest payable			212			212			212			-			-
			June 30, 2013
			Carrying			Fair
			Amount			Value			Level I			Level II			Level III
			(Dollars in Thousands)
	FINANCIAL ASSETS
	Cash and cash equivalents	$		1,927	$		1,927	$		1,927	$		-	$		-
	Certificates of deposit			598			598			598			-			-
	Investment securities - available for sale			77,186			77,186			-			77,186			-
	Investment securities - held to maturity			26,420			26,956			-			26,956			-
	Mortgage-backed securities - held to maturity:
	Agency			135,621			135,733			-			135,733			-
	Private-label			3,647			4,265			-			109			4,156
	Net loans receivable			31,531			33,194			-			-			33,194
	Accrued interest receivable			1,371			1,371			1,371			-			-
	FHLB stock			5,682			5,682			5,682			-			-
	Bank owned life insurance			4,026			4,026			4,026			-			-
	FINANCIAL LIABILITIES
	Deposits:
	Non-interest bearing deposits	$		14,911	$		14,911	$		14,911	$		-	$		-
	NOW accounts			20,654			20,654			20,654			-			-
	Savings accounts			41,808			41,808			41,808			-			-
	Money market accounts			23,772			23,772			23,772			-			-
	Certificates of deposit			38,829			38,885			-			-			38,885
	Advance payments by borrowers for taxes and insurance			550			550			550			-			-
	FHLB long-term advances			17,500			18,525			-			-			18,525
	FHLB short-term advances			96,712			96,712			96,712			-			-
	Accrued interest payable			210			210			210			-			-

EARNINGS_PER_SHARE_Details

EARNINGS PER SHARE (Details) (USD $)	3 Months Ended
	Sep. 30, 2013	Sep. 30, 2012
EARNINGS PER SHARE [Abstract]	'	'
Weighted-average common shares issued	3,805,636	3,805,636
Average treasury stock shares	-1,747,706	-1,747,706
Weighted-average common shares and common stock equivalents used to calculate basic earnings per share	2,057,930	2,057,930
Additional common stock equivalents (stock options) used to calculate diluted earnings per share	'	'
Weighted-average common shares and common stock equivalents used to calculate diluted earnings per share	2,057,930	2,057,930
Employee Stock Option [Member]	'	'
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]	'	'
Anti-dilutive securities	114,519	124,519
Exercise price	16.2	16.2

STOCK_BASED_COMPENSATION_DISCL2

STOCK BASED COMPENSATION DISCLOSURE (Details) (USD $)	3 Months Ended
In Thousands, except Share data, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
STOCK BASED COMPENSATION DISCLOSURE [Abstract]	'	'
Number of options and restricted shares authorized for issuance under the 2008 Stock Incentive Plan	152,000	'
Number of restricted shares authorized for issuance under the 2008 Incentive Plan	38,000	'
Vesting period for plan	'5 years	'
Stock-based compensation expense	$5	$6
Unrecognized compensation cost related to unvested share-based compensation	$2	'
Period over which unrecognized compensation cost will be recognized	'4 months	'
Volatility, minimum	7.49%	'
Volatility, maximum	11.63%	'
Interest Rates, Minimum	2.59%	'
Interest Rates, Maximum	3.89%	'
Dividend Yields, Minimum	3.94%	'
Dividend Yields, Maximum	4.02%	'
Weighted Average Life (in years)	'10 years	'
Total nonvested options outstanding	19,729	43,552

INVESTMENT_SECURITIES_Narrativ

INVESTMENT SECURITIES (Narrative) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
INVESTMENT SECURITIES [Abstract]	'	'
Realized investment security gains	'	$8
Proceeds from sales of investments	'	$1,891

INVESTMENT_SECURITIES_Schedule

INVESTMENT SECURITIES (Schedule of Amortized Cost and Fair Values of Investments) (Details) (USD $)	3 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013		Jun. 30, 2013
AVAILABLE FOR SALE	'		'
Amortized Cost	$63,578		$77,067
Gross Unrealized Gains	216		231
Gross Unrealized Losses	-78		-112
Fair Value	63,716		77,186
HELD TO MATURITY	'		'
Amortized Cost	22,172		26,420
Gross Unrealized Gains	687		864
Gross Unrealized Losses	-344		-328
Total	22,515		26,956
U.S. Government Agency Securities [Member]	'		'
HELD TO MATURITY	'		'
Amortized Cost	11,954		9,995
Gross Unrealized Gains	4		'
Gross Unrealized Losses	-344		-328
Total	11,614		9,667
Corporate Debt Securities [Member]	'		'
AVAILABLE FOR SALE	'		'
Amortized Cost	60,444		73,349
Gross Unrealized Gains	204		223
Gross Unrealized Losses	-77		-107
Fair Value	60,571		73,465
HELD TO MATURITY	'		'
Amortized Cost	10,218		14,425
Gross Unrealized Gains	683		853
Gross Unrealized Losses	'		'
Total	10,901		15,278
Foreign Debt Securities [Member]	'		'
AVAILABLE FOR SALE	'		'
Amortized Cost	3,134	[1]	3,718	[1]
Gross Unrealized Gains	12	[1]	8	[1]
Gross Unrealized Losses	-1	[1]	-5	[1]
Fair Value	3,145	[1]	3,721	[1]
HELD TO MATURITY	'		'
Amortized Cost	'		2,000	[1]
Gross Unrealized Gains	'		11	[1]
Gross Unrealized Losses	'		'	[1]
Total	'		$2,011	[1]
[1]	U.S. dollar-denominated investment-grade corporate bonds of large foreign issuers.

INVESTMENT_SECURITIES_Schedule1

INVESTMENT SECURITIES (Schedule of Investments by Contractual Maturity) (Details) (USD $)	Sep. 30, 2013	Jun. 30, 2013
In Thousands, unless otherwise specified
AVAILABLE FOR SALE, Amortized cost	'	'
Due in one year or less	$35,846	'
Due after one through two years	13,908	'
Due after two through three years	11,829	'
Due after three through five years	1,004	'
Due after five through ten years	991	'
Due after ten years	'	'
Total	63,578	'
AVAILABLE FOR SALE, Fair value	'	'
Due in one year or less	35,929	'
Due after one through two years	14,015	'
Due after two through three years	11,813	'
Due after three through five years	983	'
Due after five through ten years	976	'
Due after ten years	'	'
Total	63,716	'
HELD TO MATURITY, Amortized cost	'	'
Due in one year or less	5,012	'
Due after one through two years	999	'
Due after two through three years	522	'
Due after three through five years	2,551	'
Due after five through ten years	1,133	'
Due after ten years	11,955	'
Total	22,172	26,420
HELD TO MATURITY, Fair value	'	'
Due in one year or less	5,072	'
Due after one through two years	1,075	'
Due after two through three years	594	'
Due after three through five years	2,834	'
Due after five through ten years	1,326	'
Due after ten years	11,614	'
Total	$22,515	$26,956

MORTGAGEBACKED_SECURITIES_Narr

MORTGAGE-BACKED SECURITIES (Narrative) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Jun. 30, 2013
Schedule of Held-to-maturity Securities [Line Items]	'	'	'
Investment securities - held to maturity	$22,172	'	$26,420
Purchases of mortgage-backed securities	29,158	23,529	'
OTTI recognized in other comprehensive income	145	221	'
Collateralized Mortgage Obligations [Member]	'	'	'
Schedule of Held-to-maturity Securities [Line Items]	'	'	'
Investment securities - held to maturity	160,532	'	139,268
Increase in mortgage-backed securities	21,300	'	'
MBS comprised of adjustable or floating rate investments	160,500	'	139,300
Percent of MBS comprised of adjustable or floating rate investments	100.00%	'	100.00%
Mortgage-backed securities pledged as collateral	134,100	'	123,700
Mortgage-backed securities pledged as collateral, fair value	133,700	'	123,800
Mortgage-backed securities pledged as collateral, excess collateral	25,600	'	20,900
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]	'	'	'
Schedule of Held-to-maturity Securities [Line Items]	'	'	'
Investment securities - held to maturity	157,428	'	135,621
Proceeds from repayments mortgage-backed securities	7,500	'	'
Mortgage-backed Securities, Issued by Private Enterprises [Member]	'	'	'
Schedule of Held-to-maturity Securities [Line Items]	'	'	'
Investment securities - held to maturity	3,104	'	3,647
Proceeds from repayments mortgage-backed securities	688	'	'
OTTI recognized in other comprehensive income	$145	'	'

MORTGAGEBACKED_SECURITIES_Sche

MORTGAGE-BACKED SECURITIES (Schedule of Information Relating To Private Label CMO Portfolio) (Details) (USD $)	Sep. 30, 2013	Jun. 30, 2013	Sep. 30, 2013	Jun. 30, 2013	Sep. 30, 2013	Sep. 30, 2013	Sep. 30, 2013	Sep. 30, 2013
In Thousands, unless otherwise specified			Mortgage-backed Securities, Issued by Private Enterprises [Member]	Mortgage-backed Securities, Issued by Private Enterprises [Member]	Mortgage-backed Securities, Issued by Private Enterprises [Member]	Mortgage-backed Securities, Issued by Private Enterprises [Member]	Mortgage-backed Securities, Issued by Private Enterprises [Member]	Mortgage-backed Securities, Issued by Private Enterprises [Member]
					Cusip No. 126694CP1 [Member]	Cusip No. 126694KF4 [Member]	Cusip No. 126694KF4 [Member]	Cusip No. 126694MP0 [Member]
Schedule of Held-to-maturity Securities [Line Items]	'	'	'	'	'	'	'	'
Standard & Poor's Rating	'	'	'	'	'N/A	'D	'D	'CC
Moodys Rating	'	'	'	'	'Caa2	'N/A	'N/A	'N/A
Fitch Rating	'	'	'	'	'C	'D	'D	'C
Investment securities - held to maturity	$22,172	$26,420	$3,104	$3,647	$1,805	$312	$622	$365
Investment securities held-to-maturity, fair value	22,515	26,956	3,625	4,265	2,199	348	697	381
Life to date impairment recorded in earnings	'	'	$336	'	$201	$33	$66	$36

MORTGAGEBACKED_SECURITIES_Sche1

MORTGAGE-BACKED SECURITIES (Schedule of Amortized Cost and Fair Values of Mortgage-Backed Securities) (Details) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Jun. 30, 2013
HELD TO MATURITY	'	'
Amortized Cost	$22,172	$26,420
Gross Unrealized Gains	687	864
Gross Unrealized Losses	-344	-328
Total	22,515	26,956
Collateralized Mortgage Obligations [Member]	'	'
HELD TO MATURITY	'	'
Amortized Cost	160,532	139,268
Gross Unrealized Gains	1,574	989
Gross Unrealized Losses	-1,123	-259
Total	160,983	139,998
Agency [Member]	'	'
HELD TO MATURITY	'	'
Amortized Cost	157,428	135,621
Gross Unrealized Gains	1,053	368
Gross Unrealized Losses	-1,123	-256
Total	157,358	135,733
Private-label [Member]	'	'
HELD TO MATURITY	'	'
Amortized Cost	3,104	3,647
Gross Unrealized Gains	521	621
Gross Unrealized Losses	'	-3
Total	$3,625	$4,265

MORTGAGEBACKED_SECURITIES_Sche2

MORTGAGE-BACKED SECURITIES (Schedule of Mortgage-Backed Securities by Contractual Maturity) (Details) (USD $)	Sep. 30, 2013	Jun. 30, 2013
In Thousands, unless otherwise specified
Amortized cost	'	'
Due in one year or less	$5,012	'
Due after five through ten years	1,133	'
Due after ten years	11,955	'
Total	22,172	26,420
Fair value	'	'
Due in one year or less	5,072	'
Due after five through ten years	1,326	'
Due after ten years	11,614	'
Total	22,515	26,956
Collateralized Mortgage Obligations [Member]	'	'
Amortized cost	'	'
Due in one year or less	'	'
Due after one through five years	'	'
Due after five through ten years	308	'
Due after ten years	160,224	'
Total	160,532	139,268
Fair value	'	'
Due in one year or less	'	'
Due after one through five years	'	'
Due after five through ten years	314	'
Due after ten years	160,669	'
Total	$160,983	$139,998

ACCUMULATED_OTHER_COMPREHENSIV2

ACCUMULATED OTHER COMPREHENSIVE INCOME (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Accumulated Other Comprehensive Income [Line Items]	'	'
Beginning Balance	($742)	'
Other comprehensive income before reclassifications	108	'
Other comprehensive income (loss)	108	386
Ending Balance	-634	'
Available-for-sale Securities [Member]	'	'
Accumulated Other Comprehensive Income [Line Items]	'	'
Beginning Balance	78	'
Other comprehensive income before reclassifications	13	'
Other comprehensive income (loss)	13	'
Ending Balance	91	'
Held-to-maturity Securities [Member]	'	'
Accumulated Other Comprehensive Income [Line Items]	'	'
Beginning Balance	-820	'
Other comprehensive income before reclassifications	95	'
Other comprehensive income (loss)	95	'
Ending Balance	($725)	'

UNREALIZED_LOSSES_ON_SECURITIE2

UNREALIZED LOSSES ON SECURITIES (Schedule of Gross Unrealized Losses and Fair Value) (Details) (USD $)	Sep. 30, 2013	Jun. 30, 2013
In Thousands, unless otherwise specified
Less Than Six Months	'	'
Fair Value	$80,365	$73,885
Gross Unrealized Losses	-1,144	-641
Six through Twelve Months	'	'
Fair Value	29,806	3,622
Gross Unrealized Losses	-358	-47
Twelve Months or Greater	'	'
Fair Value	3,945	5,009
Gross Unrealized Losses	-43	-11
Total	'	'
Fair Value	114,116	82,516
Gross Unrealized Losses	-1,545	-699
U.S. Government Agency Securities [Member]	'	'
Less Than Six Months	'	'
Fair Value	9,654	9,667
Gross Unrealized Losses	-344	-328
Six through Twelve Months	'	'
Fair Value	'	'
Gross Unrealized Losses	'	'
Twelve Months or Greater	'	'
Fair Value	'	'
Gross Unrealized Losses	'	'
Total	'	'
Fair Value	9,654	9,667
Gross Unrealized Losses	-344	-328
Corporate Debt Securities [Member]	'	'
Less Than Six Months	'	'
Fair Value	4,537	15,042
Gross Unrealized Losses	-6	-78
Six through Twelve Months	'	'
Fair Value	5,341	2,322
Gross Unrealized Losses	-71	-29
Twelve Months or Greater	'	'
Fair Value	'	'
Gross Unrealized Losses	'	'
Total	'	'
Fair Value	9,878	17,364
Gross Unrealized Losses	-77	-107
Foreign Debt Securities [Member]	'	'
Less Than Six Months	'	'
Fair Value	'	'
Gross Unrealized Losses	'	'
Six through Twelve Months	'	'
Fair Value	520	518
Gross Unrealized Losses	-1	-5
Twelve Months or Greater	'	'
Fair Value	'	'
Gross Unrealized Losses	'	'
Total	'	'
Fair Value	520	518
Gross Unrealized Losses	-1	-5
Agency [Member]	'	'
Less Than Six Months	'	'
Fair Value	66,174	49,176
Gross Unrealized Losses	-794	-235
Six through Twelve Months	'	'
Fair Value	23,945	782
Gross Unrealized Losses	-286	-13
Twelve Months or Greater	'	'
Fair Value	3,945	4,900
Gross Unrealized Losses	-43	-8
Total	'	'
Fair Value	94,064	54,858
Gross Unrealized Losses	-1,123	-256
Private-label [Member]	'	'
Less Than Six Months	'	'
Fair Value	'	'
Gross Unrealized Losses	'	'
Six through Twelve Months	'	'
Fair Value	'	'
Gross Unrealized Losses	'	'
Twelve Months or Greater	'	'
Fair Value	'	109
Gross Unrealized Losses	'	-3
Total	'	'
Fair Value	'	109
Gross Unrealized Losses	'	($3)

UNREALIZED_LOSSES_ON_SECURITIE3

UNREALIZED LOSSES ON SECURITIES (Schedule of Changes in the Credit Loss) (Details) (Collateralized Mortgage Obligations [Member], USD $)	3 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Collateralized Mortgage Obligations [Member]	'	'
Changes in the credit loss component of credit impaired mortgage-backed securities:	'	'
Beginning balance	$316	$324
Initial credit impairment	'	'
Subsequent credit impairment	'	'
Reductions for amounts recognized in earnings due to intent or requirement to sell	'	'
Reductions for securities sold	'	'
Reduction for actual realized losses	-7	'
Reduction for increase in cash flows expected to be collected	'	'
Ending Balance	$309	$324

UNREALIZED_LOSSES_ON_SECURITIE4

UNREALIZED LOSSES ON SECURITIES (Narrative) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Schedule of Investment Securities [Line Items]	'	'
Unrealized holding gains on other-than-temporarily impaired securities held to maturity, net of tax	$95	$146
Income tax effect	$50	'
Number of positions that are impaired	32	'

LOANS_AND_RELATED_ALLOWANCE_FO2

LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES (Schedule of Primary Segments of Loan Portfolio) (Details) (USD $)	Sep. 30, 2013	Jun. 30, 2013
In Thousands, unless otherwise specified
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Total Loans	$34,638	$31,842
Individually evaluated for impairment	851	1,131
Collectively evaluated for impairment	33,787	30,711
Deferred loan fees	-23	-4
Allowance for loan losses	-319	-307
Net Loans Receivable	34,296	31,531
First Mortgage Loans - 1 - 4 Family Dwellings [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Total Loans	16,238	13,611
Individually evaluated for impairment	'	'
Collectively evaluated for impairment	16,238	13,611
First Mortgage Loans - Construction [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Total Loans	3,792	2,546
Individually evaluated for impairment	701	701
Collectively evaluated for impairment	3,091	1,845
First Mortgage Loans - Land Acquisition and Development [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Total Loans	1,084	1,407
Individually evaluated for impairment	'	280
Collectively evaluated for impairment	1,084	1,127
First Mortgage Loans - Multi-family Dwellings [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Total Loans	2,703	2,780
Individually evaluated for impairment	'	'
Collectively evaluated for impairment	2,703	2,780
First Mortgage Loans - Commercial [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Total Loans	5,174	5,787
Individually evaluated for impairment	'	'
Collectively evaluated for impairment	5,174	5,787
Consumer Loans - Home Equity [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Total Loans	987	1,085
Individually evaluated for impairment	'	'
Collectively evaluated for impairment	987	1,085
Consumer Loans - Home Equity Lines of Credit [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Total Loans	2,068	2,056
Individually evaluated for impairment	150	150
Collectively evaluated for impairment	1,918	1,906
Consumer Loans - Other [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Total Loans	243	180
Individually evaluated for impairment	'	'
Collectively evaluated for impairment	243	180
Commercial Loan [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Total Loans	1,849	1,890
Individually evaluated for impairment	'	'
Collectively evaluated for impairment	1,849	1,890
Obligations (Other Than Securities and Leases) of States and Political Subdivisions [Member]	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Total Loans	500	500
Individually evaluated for impairment	'	'
Collectively evaluated for impairment	$500	$500

LOANS_AND_RELATED_ALLOWANCE_FO3

LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES (Schedule of Impaired Loans) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Jun. 30, 2013
Financing Receivable, Impaired [Line Items]	'	'	'
Total impaired loans	$851	'	$1,131
Average impaired loans	908	851	'
Income recognized on impaired loans	1	2	'
First Mortgage Loans - Construction [Member]	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'
Impaired loans with an allocated allowance	701	'	701
Impaired loans without an allocated allowance	'	'	'
Allocated allowance on impaired loans	109	'	107
Average impaired loans	701	701	'
Income recognized on impaired loans	'	'	'
First Mortgage Loans - Land Acquisition and Development [Member]	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'
Impaired loans without an allocated allowance	'	'	280
Average impaired loans	57	'	'
Income recognized on impaired loans	'	'	'
Consumer Loans - Home Equity Lines of Credit [Member]	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'
Impaired loans without an allocated allowance	150	'	150
Average impaired loans	150	150	'
Income recognized on impaired loans	$1	$2	'

LOANS_AND_RELATED_ALLOWANCE_FO4

LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES (Schedule of Nonaccrual Loans) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Jun. 30, 2013
Financing Receivable, Impaired [Line Items]	'	'	'
Principal outstanding on nonaccrual loans	$1,327	'	$1,608
Average nonaccrual loans	1,385	1,773	'
Interest income that would have been recognized	22	27	'
Interest income recognized	2	41	'
Interest income foregone	20	18	'
First Mortgage Loans - 1 - 4 Family Dwellings [Member]	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'
Principal outstanding on nonaccrual loans	476	'	477
Average nonaccrual loans	477	282	'
First Mortgage Loans - Construction [Member]	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'
Principal outstanding on nonaccrual loans	701	'	701
Average nonaccrual loans	701	1,051	'
First Mortgage Loans - Land Acquisition and Development [Member]	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'
Principal outstanding on nonaccrual loans	'	'	280
Average nonaccrual loans	57	290	'
Consumer Loans - Home Equity Lines of Credit [Member]	'	'	'
Financing Receivable, Impaired [Line Items]	'	'	'
Principal outstanding on nonaccrual loans	150	'	150
Average nonaccrual loans	$150	$150	'

LOANS_AND_RELATED_ALLOWANCE_FO5

LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES (Schedule of Recorded Investment) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Troubled Debt Restructurings Home Equity Lines Of Credit [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of contracts	'	'
Pre-Modification Outstanding Recorded Investment	'	'
Post-Modification Outstanding Recorded Investment	'	'
Troubled Debt Restructurings That Subsequently Defaulted Home Equity Lines Of Credit [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of contracts	1	'
Pre-Modification Outstanding Recorded Investment	150	'
Post-Modification Outstanding Recorded Investment	$150	'

LOANS_AND_RELATED_ALLOWANCE_FO6

LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES (Schedule of Loan Portfolio by Aging Categories) (Details) (USD $)	Sep. 30, 2013	Jun. 30, 2013
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Current	$33,311	$30,183
30-59 Days Past Due	'	51
60-89 Days Past Due	'	'
90 Days + Past Due Accruing	'	'
90 Days + Past Due Non-accrual	1,327	1,608
Total Past Due	1,327	1,659
Total Loans	34,638	31,842
Deferred loan fees	-23	-4
Allowance for loan losses	-319	-307
Net Loans Receivable	34,296	31,531
First Mortgage Loans - 1 - 4 Family Dwellings [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Current	15,762	13,089
30-59 Days Past Due	'	45
60-89 Days Past Due	'	'
90 Days + Past Due Accruing	'	'
90 Days + Past Due Non-accrual	476	477
Total Past Due	476	522
Total Loans	16,238	13,611
First Mortgage Loans - Construction [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Current	3,091	1,845
30-59 Days Past Due	'	'
60-89 Days Past Due	'	'
90 Days + Past Due Accruing	'	'
90 Days + Past Due Non-accrual	701	701
Total Past Due	701	701
Total Loans	3,792	2,546
First Mortgage Loans - Land Acquisition and Development [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Current	1,084	1,127
30-59 Days Past Due	'	'
60-89 Days Past Due	'	'
90 Days + Past Due Accruing	'	'
90 Days + Past Due Non-accrual	'	280
Total Past Due	'	280
Total Loans	1,084	1,407
First Mortgage Loans - Multi-family Dwellings [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Current	2,703	2,780
30-59 Days Past Due	'	'
60-89 Days Past Due	'	'
90 Days + Past Due Accruing	'	'
90 Days + Past Due Non-accrual	'	'
Total Past Due	'	'
Total Loans	2,703	2,780
First Mortgage Loans - Commercial [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Current	5,174	5,787
30-59 Days Past Due	'	'
60-89 Days Past Due	'	'
90 Days + Past Due Accruing	'	'
90 Days + Past Due Non-accrual	'	'
Total Past Due	'	'
Total Loans	5,174	5,787
Consumer Loans - Home Equity [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Current	987	1,085
30-59 Days Past Due	'	'
60-89 Days Past Due	'	'
90 Days + Past Due Accruing	'	'
90 Days + Past Due Non-accrual	'	'
Total Past Due	'	'
Total Loans	987	1,085
Consumer Loans - Home Equity Lines of Credit [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Current	1,918	1,906
30-59 Days Past Due	'	'
60-89 Days Past Due	'	'
90 Days + Past Due Accruing	'	'
90 Days + Past Due Non-accrual	150	150
Total Past Due	150	150
Total Loans	2,068	2,056
Consumer Loans - Other [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Current	243	180
30-59 Days Past Due	'	'
60-89 Days Past Due	'	'
90 Days + Past Due Accruing	'	'
90 Days + Past Due Non-accrual	'	'
Total Past Due	'	'
Total Loans	243	180
Commercial Loan [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Current	1,849	1,884
30-59 Days Past Due	'	6
60-89 Days Past Due	'	'
90 Days + Past Due Accruing	'	'
90 Days + Past Due Non-accrual	'	'
Total Past Due	'	6
Total Loans	1,849	1,890
Obligations (Other Than Securities and Leases) of States and Political Subdivisions [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Current	500	500
30-59 Days Past Due	'	'
60-89 Days Past Due	'	'
90 Days + Past Due Accruing	'	'
90 Days + Past Due Non-accrual	'	'
Total Past Due	'	'
Total Loans	$500	$500

LOANS_AND_RELATED_ALLOWANCE_FO7

LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES (Schedule of Loans by Internal Classification) (Details) (USD $)	Sep. 30, 2013	Jun. 30, 2013
In Thousands, unless otherwise specified
First Mortgage Loans - Construction [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans receivable	$3,792	$2,546
First Mortgage Loans - Land Acquisition and Development [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans receivable	1,084	1,407
First Mortgage Loans - Multi-family Dwellings [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans receivable	2,703	2,780
First Mortgage Loans - Commercial [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans receivable	5,174	5,787
Commercial Loan [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans receivable	1,849	1,890
Obligations (Other Than Securities and Leases) of States and Political Subdivisions [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans receivable	500	500
Pass [Member] | First Mortgage Loans - Construction [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans receivable	3,091	1,845
Pass [Member] | First Mortgage Loans - Land Acquisition and Development [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans receivable	1,084	1,127
Pass [Member] | First Mortgage Loans - Multi-family Dwellings [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans receivable	2,703	2,780
Pass [Member] | First Mortgage Loans - Commercial [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans receivable	5,174	5,787
Pass [Member] | Commercial Loan [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans receivable	1,848	1,889
Pass [Member] | Obligations (Other Than Securities and Leases) of States and Political Subdivisions [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans receivable	500	500
Special Mention [Member] | First Mortgage Loans - Construction [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans receivable	'	'
Special Mention [Member] | First Mortgage Loans - Land Acquisition and Development [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans receivable	'	'
Special Mention [Member] | First Mortgage Loans - Multi-family Dwellings [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans receivable	'	'
Special Mention [Member] | First Mortgage Loans - Commercial [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans receivable	'	'
Special Mention [Member] | Commercial Loan [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans receivable	'	'
Special Mention [Member] | Obligations (Other Than Securities and Leases) of States and Political Subdivisions [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans receivable	'	'
Substandard [Member] | First Mortgage Loans - Construction [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans receivable	701	701
Substandard [Member] | First Mortgage Loans - Land Acquisition and Development [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans receivable	'	280
Substandard [Member] | First Mortgage Loans - Multi-family Dwellings [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans receivable	'	'
Substandard [Member] | First Mortgage Loans - Commercial [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans receivable	'	'
Substandard [Member] | Commercial Loan [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans receivable	1	1
Substandard [Member] | Obligations (Other Than Securities and Leases) of States and Political Subdivisions [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans receivable	'	'
Doubtful [Member] | First Mortgage Loans - Construction [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans receivable	'	'
Doubtful [Member] | First Mortgage Loans - Land Acquisition and Development [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans receivable	'	'
Doubtful [Member] | First Mortgage Loans - Multi-family Dwellings [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans receivable	'	'
Doubtful [Member] | First Mortgage Loans - Commercial [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans receivable	'	'
Doubtful [Member] | Commercial Loan [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans receivable	'	'
Doubtful [Member] | Obligations (Other Than Securities and Leases) of States and Political Subdivisions [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans receivable	'	'

LOANS_AND_RELATED_ALLOWANCE_FO8

LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES (Schedule of Performing and Non-Performing Loans) (Details) (USD $)	Sep. 30, 2013	Jun. 30, 2013
In Thousands, unless otherwise specified
First Mortgage Loans - 1 - 4 Family Dwellings [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans receivable	$16,238	$13,611
Consumer Loan [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans receivable	3,298	3,321
Performing Financing Receivable [Member] | First Mortgage Loans - 1 - 4 Family Dwellings [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans receivable	15,762	13,134
Performing Financing Receivable [Member] | Consumer Loan [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans receivable	3,148	3,171
Nonperforming Financing Receivable [Member] | First Mortgage Loans - 1 - 4 Family Dwellings [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans receivable	476	477
Nonperforming Financing Receivable [Member] | Consumer Loan [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans receivable	$150	$150

LOANS_AND_RELATED_ALLOWANCE_FO9

LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES (Schedule of Primary Segments of Allowance for Loan Losses) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Summary of the changes in the allowance for loan losses:	'	'
ALLL balance at June 30	$307	$385
Charge-offs	'	'
Recoveries	'	'
Provisions	12	-24
ALLL balance at Sept 30	319	361
1 - 4 Family [Member]	'	'
Summary of the changes in the allowance for loan losses:	'	'
ALLL balance at June 30	47	73
Charge-offs	'	'
Recoveries	'	'
Provisions	3	-46
ALLL balance at Sept 30	50	27
Construction [Member]	'	'
Summary of the changes in the allowance for loan losses:	'	'
ALLL balance at June 30	117	122
Charge-offs	'	'
Recoveries	'	'
Provisions	13	20
ALLL balance at Sept 30	130	142
Land Acquisition & Development [Member]	'	'
Summary of the changes in the allowance for loan losses:	'	'
ALLL balance at June 30	8	21
Charge-offs	'	'
Recoveries	'	'
Provisions	'	-5
ALLL balance at Sept 30	8	16
Multi-family [Member]	'	'
Summary of the changes in the allowance for loan losses:	'	'
ALLL balance at June 30	14	26
Charge-offs	'	'
Recoveries	'	'
Provisions	'	-1
ALLL balance at Sept 30	14	25
Commercial [Member]	'	'
Summary of the changes in the allowance for loan losses:	'	'
ALLL balance at June 30	57	76
Charge-offs	'	'
Recoveries	'	'
Provisions	-2	4
ALLL balance at Sept 30	55	80
Consumer Loans [Member]	'	'
Summary of the changes in the allowance for loan losses:	'	'
ALLL balance at June 30	53	53
Charge-offs	'	'
Recoveries	'	'
Provisions	-1	4
ALLL balance at Sept 30	52	57
Commercial Loans [Member]	'	'
Summary of the changes in the allowance for loan losses:	'	'
ALLL balance at June 30	11	14
Charge-offs	'	'
Recoveries	'	'
Provisions	-1	'
ALLL balance at Sept 30	$10	$14

Recovered_Sheet1

LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES (Schedule of Loans Individually Evaluated For Impairment and the Amount Required For Loans Collectively Evaluated For Impairment ) (Details) (USD $)	Sep. 30, 2013	Jun. 30, 2013	Sep. 30, 2012	Jun. 30, 2012
In Thousands, unless otherwise specified
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'	'
Individually evaluated for impairment	$109	$107	'	'
Collectively evaluated for impairment	210	200	'	'
Total ALLL balance	319	307	361	385
1 - 4 Family [Member]	'	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'	'
Individually evaluated for impairment	'	'	'	'
Collectively evaluated for impairment	50	47	'	'
Total ALLL balance	50	47	27	73
Construction [Member]	'	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'	'
Individually evaluated for impairment	109	107	'	'
Collectively evaluated for impairment	21	10	'	'
Total ALLL balance	130	117	142	122
Land Acquisition & Development [Member]	'	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'	'
Individually evaluated for impairment	'	'	'	'
Collectively evaluated for impairment	8	8	'	'
Total ALLL balance	8	8	16	21
Multi-family [Member]	'	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'	'
Individually evaluated for impairment	'	'	'	'
Collectively evaluated for impairment	14	14	'	'
Total ALLL balance	14	14	25	26
Commercial [Member]	'	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'	'
Individually evaluated for impairment	'	'	'	'
Collectively evaluated for impairment	55	57	'	'
Total ALLL balance	55	57	80	76
Consumer Loans [Member]	'	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'	'
Individually evaluated for impairment	'	'	'	'
Collectively evaluated for impairment	52	53	'	'
Total ALLL balance	52	53	57	53
Commercial Loans [Member]	'	'	'	'
Financing Receivable, Allowance for Credit Losses [Line Items]	'	'	'	'
Individually evaluated for impairment	'	'	'	'
Collectively evaluated for impairment	10	11	'	'
Total ALLL balance	$10	$11	$14	$14

FAIR_VALUE_MEASUREMENTS_Assets

FAIR VALUE MEASUREMENTS (Assets Measured at Fair Value on a Recurring and Nonrecurring Basis) (Details) (USD $)	Sep. 30, 2013		Jun. 30, 2013
In Thousands, unless otherwise specified
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'		'
Assets measured on a recurring basis	$63,716		$77,186
Assets measured on non-recurring basis	742		1,024
Impaired Loans [Member]	'		'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'		'
Assets measured on non-recurring basis	742		1,024
Corporate Debt Securities [Member]	'		'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'		'
Assets measured on a recurring basis	60,571		73,465
Foreign Debt Securities [Member]	'		'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'		'
Assets measured on a recurring basis	3,145	[1]	3,721	[1]
Fair Value, Inputs, Level 1 [Member]	'		'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'		'
Assets measured on a recurring basis	'		'
Assets measured on non-recurring basis	'		'
Fair Value, Inputs, Level 1 [Member] | Impaired Loans [Member]	'		'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'		'
Assets measured on non-recurring basis	'		'
Fair Value, Inputs, Level 1 [Member] | Corporate Debt Securities [Member]	'		'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'		'
Assets measured on a recurring basis	'		'
Fair Value, Inputs, Level 1 [Member] | Foreign Debt Securities [Member]	'		'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'		'
Assets measured on a recurring basis	'	[1]	'	[1]
Fair Value, Inputs, Level 2 [Member]	'		'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'		'
Assets measured on a recurring basis	63,716		77,186
Assets measured on non-recurring basis	'		'
Fair Value, Inputs, Level 2 [Member] | Impaired Loans [Member]	'		'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'		'
Assets measured on non-recurring basis	'		'
Fair Value, Inputs, Level 2 [Member] | Corporate Debt Securities [Member]	'		'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'		'
Assets measured on a recurring basis	60,571		73,465
Fair Value, Inputs, Level 2 [Member] | Foreign Debt Securities [Member]	'		'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'		'
Assets measured on a recurring basis	3,145	[1]	3,721	[1]
Fair Value, Inputs, Level 3 [Member]	'		'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'		'
Assets measured on a recurring basis	'		'
Assets measured on non-recurring basis	742		1,024
Fair Value, Inputs, Level 3 [Member] | Impaired Loans [Member]	'		'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'		'
Assets measured on non-recurring basis	742		1,024
Fair Value, Inputs, Level 3 [Member] | Corporate Debt Securities [Member]	'		'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'		'
Assets measured on a recurring basis	'		'
Fair Value, Inputs, Level 3 [Member] | Foreign Debt Securities [Member]	'		'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'		'
Assets measured on a recurring basis	'	[1]	'	[1]
[1]	U.S. dollar-denominated investment-grade corporate bonds of large foreign issuers.

FAIR_VALUE_MEASUREMENTS_Schedu

FAIR VALUE MEASUREMENTS (Schedule of Significant Observable Inputs) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Jun. 30, 2013
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Assets measured on non-recurring basis	$742	$1,024
Minimum [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Appraised value discount	1.00%	'
Maximum [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Appraised value discount	15.00%	'
Fair Value, Inputs, Level 3 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Assets measured on non-recurring basis	742	1,024
Impaired Loans [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Assets measured on non-recurring basis	742	1,024
Impaired Loans [Member] | Fair Value, Inputs, Level 3 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Assets measured on non-recurring basis	$742	$1,024
Weighted Average Significant Unobservable Input Value	7.70%	'
Impaired Loans [Member] | Fair Value, Inputs, Level 3 [Member] | Minimum [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Significant Unobservable Input Value	0.00%	'
Impaired Loans [Member] | Fair Value, Inputs, Level 3 [Member] | Maximum [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Significant Unobservable Input Value	9.80%	'

FAIR_VALUE_OF_FINANCIAL_INSTRU2

FAIR VALUE OF FINANCIAL INSTRUMENTS (Details) (USD $)	Sep. 30, 2013	Jun. 30, 2013	Sep. 30, 2012	Jun. 30, 2012
In Thousands, unless otherwise specified
FINANCIAL ASSETS	'	'	'	'
Cash and cash equivalents	$2,467	$1,927	$2,562	$2,506
Certificates of deposit	598	598	'	'
Investment securities - available-for-sale	63,716	77,186	'	'
Investment securities - held to maturity	22,172	26,420	'	'
Mortgage-backed securities - held to maturity	160,532	139,268	'	'
Net loans receivable	34,296	31,531	'	'
Accrued interest receivable	1,464	1,371	'	'
FHLB stock	5,211	5,682	'	'
Bank owned life insurance	4,026	2,000	'	'
Deposits	'	'	'	'
Non-interest-bearing accounts	17,940	14,911	'	'
NOW accounts	20,930	20,654	'	'
Savings accounts	41,808	41,808	'	'
Money market accounts	24,431	23,772	'	'
Deposits	143,452	140,524	'	'
Long-term Federal Home Loan Bank Advances	17,500	17,500	'	'
Ending balance	102,070	96,712	'	'
Accrued interest on loans	212	210	'	'
Agency [Member]	'	'	'	'
FINANCIAL ASSETS	'	'	'	'
Investment securities - held to maturity	157,428	135,621	'	'
Private-label [Member]	'	'	'	'
FINANCIAL ASSETS	'	'	'	'
Investment securities - held to maturity	3,104	3,647	'	'
Level 1 [Member]	'	'	'	'
FINANCIAL ASSETS	'	'	'	'
Cash and cash equivalents	2,467	1,927	'	'
Certificates of deposit	598	598	'	'
Investment securities - available-for-sale	'	'	'	'
Investment securities - held to maturity	'	'	'	'
Net loans receivable	'	'	'	'
Accrued interest receivable	1,464	1,371	'	'
FHLB stock	5,211	5,682	'	'
Bank owned life insurance	2,000	4,026	'	'
Deposits	'	'	'	'
Non-interest-bearing accounts	17,940	14,911	'	'
NOW accounts	20,930	20,654	'	'
Savings accounts	41,808	41,808	'	'
Money market accounts	24,431	23,772	'	'
Certificates of deposit	'	'	'	'
Advance payments by borrowers for taxes and insurance	251	550	'	'
Long-term Federal Home Loan Bank Advances	'	'	'	'
Ending balance	102,070	96,712	'	'
Accrued interest on loans	212	210	'	'
Level 1 [Member] | Agency [Member]	'	'	'	'
FINANCIAL ASSETS	'	'	'	'
Mortgage-backed securities - held to maturity	'	'	'	'
Level 1 [Member] | Private-label [Member]	'	'	'	'
FINANCIAL ASSETS	'	'	'	'
Mortgage-backed securities - held to maturity	'	'	'	'
Level 2 [Member]	'	'	'	'
FINANCIAL ASSETS	'	'	'	'
Cash and cash equivalents	'	'	'	'
Certificates of deposit	'	'	'	'
Investment securities - available-for-sale	63,716	77,186	'	'
Investment securities - held to maturity	22,515	26,956	'	'
Net loans receivable	'	'	'	'
Accrued interest receivable	'	'	'	'
FHLB stock	'	'	'	'
Bank owned life insurance	'	'	'	'
Deposits	'	'	'	'
Non-interest-bearing accounts	'	'	'	'
NOW accounts	'	'	'	'
Savings accounts	'	'	'	'
Money market accounts	'	'	'	'
Certificates of deposit	'	'	'	'
Advance payments by borrowers for taxes and insurance	'	'	'	'
Long-term Federal Home Loan Bank Advances	'	'	'	'
Ending balance	'	'	'	'
Accrued interest on loans	'	'	'	'
Level 2 [Member] | Agency [Member]	'	'	'	'
FINANCIAL ASSETS	'	'	'	'
Mortgage-backed securities - held to maturity	157,358	135,733	'	'
Level 2 [Member] | Private-label [Member]	'	'	'	'
FINANCIAL ASSETS	'	'	'	'
Mortgage-backed securities - held to maturity	'	109	'	'
Level 3 [Member]	'	'	'	'
FINANCIAL ASSETS	'	'	'	'
Cash and cash equivalents	'	'	'	'
Certificates of deposit	'	'	'	'
Investment securities - available-for-sale	'	'	'	'
Investment securities - held to maturity	'	'	'	'
Net loans receivable	35,801	33,194	'	'
Accrued interest receivable	'	'	'	'
FHLB stock	'	'	'	'
Bank owned life insurance	'	'	'	'
Deposits	'	'	'	'
Non-interest-bearing accounts	'	'	'	'
NOW accounts	'	'	'	'
Savings accounts	'	'	'	'
Money market accounts	'	'	'	'
Certificates of deposit	38,131	38,885	'	'
Advance payments by borrowers for taxes and insurance	'	'	'	'
Long-term Federal Home Loan Bank Advances	18,057	18,525	'	'
Ending balance	'	'	'	'
Accrued interest on loans	'	'	'	'
Level 3 [Member] | Agency [Member]	'	'	'	'
FINANCIAL ASSETS	'	'	'	'
Mortgage-backed securities - held to maturity	'	'	'	'
Level 3 [Member] | Private-label [Member]	'	'	'	'
FINANCIAL ASSETS	'	'	'	'
Mortgage-backed securities - held to maturity	3,625	4,156	'	'
Carrying Amount [Member]	'	'	'	'
FINANCIAL ASSETS	'	'	'	'
Cash and cash equivalents	2,467	1,927	'	'
Certificates of deposit	598	598	'	'
Investment securities - available-for-sale	63,716	77,186	'	'
Investment securities - held to maturity	22,172	26,420	'	'
Net loans receivable	34,296	31,531	'	'
Accrued interest receivable	1,464	1,371	'	'
FHLB stock	5,211	5,682	'	'
Bank owned life insurance	2,000	4,026	'	'
Deposits	'	'	'	'
Non-interest-bearing accounts	17,940	14,911	'	'
NOW accounts	20,930	20,654	'	'
Savings accounts	41,808	41,808	'	'
Money market accounts	24,431	23,772	'	'
Certificates of deposit	38,092	38,829	'	'
Advance payments by borrowers for taxes and insurance	251	550	'	'
Long-term Federal Home Loan Bank Advances	17,500	17,500	'	'
Ending balance	102,070	96,712	'	'
Accrued interest on loans	212	210	'	'
Carrying Amount [Member] | Agency [Member]	'	'	'	'
FINANCIAL ASSETS	'	'	'	'
Mortgage-backed securities - held to maturity	157,428	135,621	'	'
Carrying Amount [Member] | Private-label [Member]	'	'	'	'
FINANCIAL ASSETS	'	'	'	'
Mortgage-backed securities - held to maturity	3,104	3,647	'	'
Fair Value [Member]	'	'	'	'
FINANCIAL ASSETS	'	'	'	'
Cash and cash equivalents	2,467	1,927	'	'
Certificates of deposit	598	598	'	'
Investment securities - available-for-sale	63,716	77,186	'	'
Investment securities - held to maturity	22,515	26,956	'	'
Net loans receivable	35,801	33,194	'	'
Accrued interest receivable	1,464	1,371	'	'
FHLB stock	5,211	5,682	'	'
Bank owned life insurance	2,000	4,026	'	'
Deposits	'	'	'	'
Non-interest-bearing accounts	17,940	14,911	'	'
NOW accounts	20,930	20,654	'	'
Savings accounts	41,808	41,808	'	'
Money market accounts	24,431	23,772	'	'
Certificates of deposit	38,131	38,885	'	'
Advance payments by borrowers for taxes and insurance	251	550	'	'
Long-term Federal Home Loan Bank Advances	18,057	18,525	'	'
Ending balance	102,070	96,712	'	'
Accrued interest on loans	212	210	'	'
Fair Value [Member] | Agency [Member]	'	'	'	'
FINANCIAL ASSETS	'	'	'	'
Mortgage-backed securities - held to maturity	157,358	135,733	'	'
Fair Value [Member] | Private-label [Member]	'	'	'	'
FINANCIAL ASSETS	'	'	'	'
Mortgage-backed securities - held to maturity	$3,625	$4,265	'	'