| Delaware                                             | 31-1557791             |
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|------------------------|
| (State or other jurisdiction of                                                                                                                                                                                                                                                  | (I.R.S. Employer       |
| incorporation or organization)                                                                                                                                                                                                                                                   | Identification Number) |
|                                                                                                                                                                                                                                                                             |                   |
| 151 North Market Street                                                                                                                                                                                                                                                          |                   |
| Wooster, Ohio                                                                                          | 44691                  |
| (Address of principal                                                                                                                                                                                                                                                            | (Zip Code)             |
| executive office)                                                                                                                                                                                                                                                                |                   |

----

e

|                                                                                                          | Page   |
|---------------------------------------------------------------------------------------------------------------|--------|
|                                                                                                          |   |
| PART I - FINANCIAL INFORMATION                                                                                |   |
|                                                                                                          |   |
| Item 1  Condensed Consolidated Balance Sheets                                                       | 2      |
|                                                                                                          |   |
|  Condensed Consolidated Statements of Income                                                             | 3      |
|                                                                                                          |   |
|  Condensed Consolidated Statements of Comprehensive Income                                               | 4      |
|                                                                                                          |   |
|  Condensed Consolidated Statements of Cash Flows                                                         | 5      |
|                                                                                                          |   |
|  Notes to Condensed Consolidated Financial Statements                                                    | 7      |
|                                                                                                          |   |
| Item 2  Management’s Discussion and Analysis of Financial Condition and Results of Operations | 26     |
|                                                                                                          |   |
| Item 3  Quantitative and Qualitative Disclosures About Market Risk                                  | 34     |
|                                                                                                          |   |
| Item 4T  Controls and Procedures                                                                    | 34     |
|                                                                                                          |   |
|                                                                                                          |   |
| PART II - OTHER INFORMATION                                                                                   |   |
|                                                                                                          |   |
| Item 1  Legal Proceedings                                                                           | 35     |
|                                                                                                          |   |
| Item 1A  Risk Factors                                                                               | 35     |
|                                                                                                          |   |
| Item 2  Unregistered Sales of Equity Securities and Use of Proceeds                                 | 35     |
|                                                                                                          |   |
| Item 3  Defaults Upon Senior Securities                                                             | 35     |
|                                                                                                          |   |
| Item 4  Reserved                                                                                    | 35     |
|                                                                                                          |   |
| Item 5  Other Information                                                                           | 35     |
|                                                                                                          |   |
| Item 6  Exhibits                                                                                    | 36     |
|                                                                                                          |   |
| SIGNATURES                                                                                                    | 37     |

----

Index

|                                                                                                                             |   | June 30, 2011 |                |   | March 31, 2011 |   |
|----------------------------------------------------------------------------------------------------------------------------------|--------|---------------|---------------------|--------|----------------|--------|
|                                                                                                                             |   | (Unaudited)   |                |   |           |   |
| ASSETS                                                                                                                           |   |          |                |   |           |   |
| Cash and due from banks                                                                                                          |   | $             | 11,236              |   |           | $      | 4,833 |   |
| Interest-bearing demand deposits                                                                                                 |   |          | 2,485               |   |           |   | 3,438 |   |
|      Cash and cash equivalents                                                                          |   |          | 13,721              |   |           |   | 8,271 |   |
|                                                                                                                             |   |          |                |   |           |   |   |   |
| Available-for-sale securities                                                                                                    |   |          | 135,652             |   |           |   | 131,956 |   |
| Held-to-maturity securities                                                                                                      |   |          | 573                 |   |           |   | 591 |   |
| Loans receivable – net of allowance for loan losses of $3,221 and $3,203 at June 30, 2011 and March 31, 2011, respectively |   |          | 235,126             |   |           |   | 239,993 |   |
| Premises and equipment                                                                                                           |   |          | 7,065               |   |           |   | 6,892 |   |
| Federal Home Loan Bank stock                                                                                                     |   |          | 5,025               |   |           |   | 5,025 |   |
| Foreclosed assets held for sale  -  net                                                                      |   |          | 2,234               |   |           |   | 2,214 |   |
| Accrued interest receivable                                                                                                      |   |          | 1,369               |   |           |   | 1,647 |   |
| Bank-owned life insurance                                                                                                        |   |          | 7,064               |   |           |   | 7,003 |   |
| Goodwill                                                                                                                         |   |          | 1,719               |   |           |   | 1,719 |   |
| Other intangible assets                                                                                                          |   |          | 264                 |   |           |   | 287 |   |
| Prepaid Federal Deposit Insurance Corporation premiums                                                                           |   |          | 1,010               |   |           |   | 1,087 |   |
| Other assets                                                                                                                     |   |          | 882                 |   |           |   | 1,045 |   |
| Prepaid federal income taxes                                                                                                     |   |          | —             |   |           |   | 8 |   |
| Total assets                                                                                                                     |   | $             | 411,704             |   |           | $      | 407,738 |   |
|                                                                                                                             |   |          |                |   |           |   |   |   |
| LIABILITIES AND STOCKHOLDERS’ EQUITY                                                                                       |   |          |                |   |           |   |   |   |
|     Liabilities                                                                                              |   |          |                |   |           |   |   |   |
|       Deposits                                                                                     |   |          |                |   |           |   |   |   |
|   Demand                                                                                                               |   | $             | 69,129              |   |           | $      | 63,208 |   |
|   Savings and money market                                                                                             |   |          | 105,685             |   |           |   | 105,086 |   |
|   Time                                                                                                                 |   |          | 152,999             |   |           |   | 151,778 |   |
|             Total deposits                                           |   |          | 327,813             |   |           |   | 320,072 |   |
|                                                                                                                             |   |          |                |   |           |   |   |   |
|           Other short-term borrowings                                          |   |          | 5,959               |   |           |   | 6,373 |   |
|           Federal Home Loan Bank advances                                      |   |          | 35,037              |   |           |   | 39,507 |   |
|           Accrued interest payable and other liabilities                       |   |          | 1,960               |   |           |   | 2,646 |   |
|           Accrued federal income taxes                                         |   |          | 152                 |   |           |   | — |   |
|           Deferred federal income taxes                                        |   |          | 1,283               |   |           |   | 861 |   |
|              Total liabilities                                  |   |          | 372,204             |   |           |   | 369,459 |   |
|                                                                                                                             |   |          |                |   |           |   |   |   |
| Commitments and Contingencies                                                                                                    |   |          | ––      |   |           |   | –– |   |
|                                                                                                                             |   |          |                |   |           |   |   |   |
| Stockholders’ Equity                                                                                                       |   |          |                |   |           |   |   |   |
| Preferred stock, 500,000 shares of $.10 par value authorized; no shares issued                                                   |   |          | ––      |   |           |   | –– |   |
| Common stock, $.10 par value; authorized 9,000,000 shares;     3,978,731 shares issued                  |   |          | 398                 |   |           |   | 398 |   |
| Additional paid-in capital                                                                                                       |   |          | 35,993              |   |           |   | 35,997 |   |
| Retained earnings                                                                                                                |   |          | 16,167              |   |           |   | 15,828 |   |
| Shares acquired by ESOP                                                                                                          |   |          | (697                | )      |           |   | (719 | ) |
| Accumulated other comprehensive income, net of tax effects                                                                       |   |          | 2,169               |   |           |   | 1,305 |   |
| Treasury stock, at cost – 974,618 common shares                                                                            |   |          |   (14,530 | )      |           |   | (14,530 | ) |
| Total stockholders’ equity                                                                                                 |   |          | 39,500              |   |           |   | 38,279 |   |
| Total liabilities and stockholders’ equity                                                                                 |   | $             | 411,704             |   |           | $      | 407,738 |   |

----

Index

|                                                                                           |   | Three months |    |
|------------------------------------------------------------------------------------------------|--------|--------------|---------|
|                                                                                           |   | ended        |    |
|                                                                                           |   | June 30,     |    |
|                                                                                           |   | 2011         |    |   | 2010 |   |
| Interest and Dividend Income                                                                   |   |         |    |   |   |   |
|      Loans                                                            |   | $            | 3,137   |   |   | $ | 3,434 |   |
|      Securities                                                       |   |         | 1,177   |   |   |   | 1,216 |   |
|      Dividends on Federal Home Loan Bank stock and other              |   |         | 58      |   |   |   | 57 |   |
|           Total interest and dividend income |   |         | 4,372   |   |   |   | 4,707 |   |
|                                                                                           |   |         |    |   |   |   |   |   |
| Interest Expense                                                                               |   |         |    |   |   |   |   |   |
|      Deposits                                                         |   |         | 792     |   |   |   | 1,012 |   |
|      Other short-term borrowings                                      |   |         | 5       |   |   |   | 7 |   |
|      Federal Home Loan Bank advances                                  |   |         | 293     |   |   |   | 416 |   |
|           Total interest expense             |   |         | 1,090   |   |   |   | 1,435 |   |
|                                                                                           |   |         |    |   |   |   |   |   |
| Net Interest Income                                                                            |   |         | 3,282   |   |   |   | 3,272 |   |
|                                                                                           |   |         |    |   |   |   |   |   |
| Provision for Loan Losses                                                                      |   |         | 70      |   |   |   | 190 |   |
|                                                                                           |   |         |    |   |   |   |   |   |
| Net Interest Income After Provision for Loan Losses                                            |   |         | 3,212   |   |   |   | 3,082 |   |
|                                                                                           |   |         |    |   |   |   |   |   |
| Noninterest Income                                                                             |   |         |    |   |   |   |   |   |
|      Gain on loan sales                                               |   |         | 18      |   |   |   | 67 |   |
|      Gain on sale of foreclosed assets held for sale                  |   |         | — |   |   |   | 14 |   |
|      Trust income                                                     |   |         | 72      |   |   |   | 48 |   |
|      Earnings on bank-owned life insurance                            |   |         | 57      |   |   |   | 58 |   |
|      Service fees, charges and other operating                        |   |         | 294     |   |   |   | 305 |   |
|           Total noninterest income           |   |         | 441     |   |   |   | 492 |   |
|                                                                                           |   |         |    |   |   |   |   |   |
| Noninterest Expense                                                                            |   |         |    |   |   |   |   |   |
|      Salaries and employee benefits                                   |   |         | 1,569   |   |   |   | 1,524 |   |
|      Net occupancy and equipment expense                              |   |         | 452     |   |   |   | 452 |   |
|      Federal deposit insurance premiums                               |   |         | 85      |   |   |   | 122 |   |
|      Franchise taxes                                                  |   |         | 94      |   |   |   | 87 |   |
|      Provision for impairment on foreclosed assets held for sale      |   |         | 287     |   |   |   | 46 |   |
|      Amortization of intangible assets                                |   |         | 23      |   |   |   | 23 |   |
|      Other                                                            |   |         | 492     |   |   |   | 487 |   |
|           Total noninterest expense          |   |         | 3,002   |   |   |   | 2,741 |   |
|                                                                                           |   |         |    |   |   |   |   |   |
| Income Before Federal Income Taxes                                                             |   |         | 651     |   |   |   | 833 |   |
|                                                                                           |   |         |    |   |   |   |   |   |
| Provision for Federal Income Taxes                                                             |   |         | 136     |   |   |   | 190 |   |
|                                                                                           |   |         |    |   |   |   |   |   |
| Net Income                                                                                     |   | $            | 515     |   |   | $ | 643 |   |
|                                                                                           |   |         |    |   |   |   |   |   |
| Basic Earnings Per Share                                                                       |   | $            | 0.18    |   |   | $ | 0.22 |   |
|                                                                                           |   |         |    |   |   |   |   |   |
| Diluted Earnings Per Share                                                                     |   | $            | 0.18    |   |   | $ | 0.22 |   |
|                                                                                           |   |         |    |   |   |   |   |   |
| Dividends Per Share                                                                            |   | $            | 0.06    |   |   | $ | 0.06 |   |

----

Index

|                                                                                                                                                                |   | Three months |   |
|---------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|--------------|--------|
|                                                                                                                                                                |   | ended        |   |
|                                                                                                                                                                |   | June 30,     |   |
|                                                                                                                                                                |   | 2011         |   |   | 2010 |   |
| Net Income                                                                                                                                                          |   | $            | 515    |   |   | $ | 643 |   |
| Other comprehensive income:     Unrealized holding gains on securities, net of relatedtaxes of $445 and $256 during the respective periods |   |         | 864    |   |   |   | 497 |   |
| Comprehensive income                                                                                                                                                |   | $            | 1,379  |   |   | $ | 1,140 |   |
| Accumulated other comprehensive income                                                                                                                              |   | $            | 2,169  |   |   | $ | 2,087 |   |

----

Index

|                                                             |   | 2011   |    |   | 2010   |   |
|------------------------------------------------------------------|--------|--------|---------|--------|--------|--------|
|                                                             |   |   |    |   |   |   |
| Operating Activities                                             |   |   |    |   |   |   |
| Net income                                                       |   | $      | 515     |   |   | $      | 643 |   |
| Items not requiring (providing) cash                             |   |   |    |   |   |   |   |   |
| Depreciation and amortization                                    |   |   | 130     |   |   |   | 138 |   |
| Provision for loan losses                                        |   |   | 70      |   |   |   | 190 |   |
| Amortization of premiums and discounts on securities – net |   |   | 278     |   |   |   | 178 |   |
| Amortization of mortgage servicing rights                        |   |   | 7       |   |   |   | 5 |   |
| Amortization of deferred loan origination fees                   |   |   | (18     | )      |   |   | (16 | ) |
| Amortization of intangible assets                                |   |   | 23      |   |   |   | 23 |   |
| Increase in value of bank owned life insurance                   |   |   | (61     | )      |   |   | (61 | ) |
| Amortization expense of stock benefit plan                       |   |   | 18      |   |   |   | 23 |   |
| Provision for impairment on foreclosed assets held for sale      |   |   | 287     |   |   |   | 46 |   |
| Gain on sale of foreclosed assets held for sale                  |   |   | — |   |   |   | (14 | ) |
| Net gain on sale of loans                                        |   |   | (18     | )      |   |   | (67 | ) |
| Proceeds from sale of loans in secondary market                  |   |   | 513     |   |   |   | 1,703 |   |
| Origination of loans for sale in the secondary market            |   |   | (495    | )      |   |   | (1,636 | ) |
| Deferred income taxes                                            |   |   | (23     | )      |   |   | (49 | ) |
| Changes in                                                       |   |   |    |   |   |   |   |   |
| Accrued interest receivable                                      |   |   | 278     |   |   |   | 225 |   |
| Other assets                                                     |   |   | 164     |   |   |   | 199 |   |
| Prepaid federal deposit insurance premiums                       |   |   | 77      |   |   |   | 114 |   |
| Interest payable and other liabilities                           |   |   | (87     | )      |   |   | (132 | ) |
| Net cash provided by operating activities                        |   |   | 1,658   |   |   |   | 1,512 |   |
|                                                             |   |   |    |   |   |   |   |   |
| Investing Activities                                             |   |   |    |   |   |   |   |   |
| Purchase of  available-for-sale securities             |   |   | (11,663 | )      |   |   | (17,594 | ) |
| Proceeds from maturities of available-for-sale securities        |   |   | 9,000   |   |   |   | 10,402 |   |
| Proceeds from maturities of held-to-maturity securities          |   |   | 16      |   |   |   | 46 |   |
| Net change in loans                                              |   |   | 4,410   |   |   |   | 2,981 |   |
| Purchase of premises and equipment                               |   |   | (303    | )      |   |   | (53 | ) |
| Proceeds from the sale of foreclosed assets                      |   |   | 98      |   |   |   | 633 |   |
| Net cash provided by (used in) investing activities              |   |   | 1,558   |   |   |   | (3,585 | ) |
|                                                             |   |   |    |   |   |   |   |   |

----

Index

|                                                                                  |   | 2011   |    |   | 2010   |   |
|---------------------------------------------------------------------------------------|--------|--------|---------|--------|--------|--------|
|                                                                                  |   |   |    |   |   |   |
|                                                                                  |   |   |    |   |   |   |
| Financing Activities                                                                  |   |   |    |   |   |   |
| Net change in deposits                                                                |   | $      | 7,741   |   |   | $      | 1,885 |   |
| Net change in other short-term borrowings                                             |   |   | (414    | )      |   |   | 908 |   |
| Proceeds from Federal Home Loan Bank advances                                         |   |   | — |   |   |   | 4,500 |   |
| Repayments of Federal Home Loan Bank advances                                         |   |   | (4,470  | )      |   |   | (6,500 | ) |
| Advances by borrowers for taxes and insurance                                         |   |   | (447    | )      |   |   | (419 | ) |
| Cash dividends paid                                                                   |   |   | (176    | )      |   |   | (175 | ) |
| Net cash provided by financing activities                                             |   |   | 2,234   |   |   |   | 199 |   |
|                                                                                  |   |   |    |   |   |   |   |   |
| Increase (Decrease) in Cash and Cash Equivalents                                      |   |   | 5,450   |   |   |   | (1,874 | ) |
|                                                                                  |   |   |    |   |   |   |   |   |
| Cash and Cash equivalents, Beginning of period                                        |   |   | 8,271   |   |   |   | 9,875 |   |
|                                                                                  |   |   |    |   |   |   |   |   |
| Cash and Cash equivalents, End of period                                              |   | $      | 13,721  |   |   | $      | 8,001 |   |
|                                                                                  |   |   |    |   |   |   |   |   |
| Supplemental Cash Flows Information      Cash Paid For: |   |   |    |   |   |   |   |   |
| Interest on deposits and borrowings                                                   |   | $      | 1,102   |   |   | $      | 1,469 |   |
|                                                                                  |   |   |    |   |   |   |   |   |
| Supplemental Disclosure of Non-Cash Investing and Financing Activities                |   |   |    |   |   |   |   |   |
| Transfers from loans to foreclosed assets held for sale                               |   | $      | 341     |   |   | $      | 169 |   |
|                                                                                  |   |   |    |   |   |   |   |   |
| Unrealized gains on securities designated as available-for-sale,                      |   |   |    |   |   |   |   |   |
|     net of related tax effects                                    |   | $      | 864     |   |   | $      | 497 |   |
|                                                                                  |   |   |    |   |   |   |   |   |
| Dividends payable                                                                     |   | $      | 180     |   |   | $      | 180 |   |

----

Index

| Note 1: | Basis of Presentation |
|---------|-----------------------|

----

Index

| Note 2: | Principles of Consolidation |
|---------|-----------------------------|

| Note 3: | Earnings Per Share |
|---------|--------------------|

|                                                 |   | For the three months endedJune 30, |                 |
|------------------------------------------------------|--------|------------------------------------|----------------------|
|                                                 |   | 2011                               |                 |   | 2010 |   |
| Weighted-average common shares outstanding (basic)   |   |                               | 2,930,075            |   |   |   | 2,921,174 |   |
| Dilutive effect of assumed exercise of stock options |   |                               |  –– |   |   |   |  –– |   |
| Weighted-average common shares outstanding (diluted) |   |                               | 2,930,075            |   |   |   | 2,921,174 |   |

| Note 4: | Stock Option Plan |
|---------|-------------------|

----

Index

|                               |   | Three months endedJune 30, |           |   | Year ended March 31,    |   |
|------------------------------------|--------|----------------------------|----------------|--------|------------------------------|--------|
|                               |   | 2011                       |           |   | 2011                         |   |   | 2010 |   |
|                               |   |   Shares         |           |   | WeightedAverageexerciseprice |   |   |   Shares |   |   | WeightedAverageexerciseprice |   |   |   Shares |   |   | WeightedAverageexerciseprice |   |
| Outstanding at beginning of period |   |                       |  83,816   |   |                         | $      | 13.95 |   |   |   |  94,020 |   |   | $ | 13.95 |   |   |   | 94,020 |   |   | $ | 13.95 |   |
| Granted                            |   |                       | –– |   |                         |   | –– |   |   |   | –– |   |   |   | –– |   |   |   | –– |   |   |   | –– |   |
| Exercised                          |   |                       | –– |   |                         |   | –– |   |   |   | –– |   |   |   | –– |   |   |   | –– |   |   |   | –– |   |
| Forfeited                          |   |                       | (20,408        | )      |                         |   | 13,.95 |   |   |   | (10,204 | ) |   |   | 13.95 |   |   |   | — |   |   |   | — |   |
|                               |   |                       |           |   |                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Outstanding at end of period       |   |                       |  63,408   |   |                         | $      | 13.95 |   |   |   |  83,816 |   |   | $ | 13.95 |   |   |   |  94,020 |   |   | $ | 13.95 |   |
|                               |   |                       |           |   |                         |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Options exercisable at period-end  |   |                       |  63,408   |   |                         | $      | 13.95 |   |   |   |  83,816 |   |   | $ | 13.95 |   |   |   |  94,020 |   |   | $ | 13.95 |   |

| Number outstanding                                  |   | 63,408     |
|-----------------------------------------------------|--------|------------|
| Exercise price on all remaining options outstanding |   | $13.95     |
| Weighted-average remaining contractual life         |   | 2.75 years |

| Note 5: | Regulatory Matters |
|---------|--------------------|

----

Index

|                 |   | Actual                 |   |   | For Capital AdequacyPurposes |   |   | To Be Well CapitalizedUnder Prompt CorrectiveAction Provisions |   |
|----------------------|--------|------------------------|--------|--------|------------------------------|--------|--------|----------------------------------------------------------------|--------|
|                 |   | Amount                 |   |   | Ratio                        |   |   | Amount                                                         |   |   | Ratio |   |   | Amount |   |   | Ratio |   |
|                 |   | (Dollars in thousands) |   |
| As of June 30, 2011  |   |                   |   |   |                         |   |   |                                                           |   |   |   |   |   |   |   |   |   |   |
| Tangible capital     |   | $                      | 34,464 |   |                         |   | 8.5    | %                                                              |   | $ | 6,097 |   |   |   | 1.5 | % |   | $ | 20,323 |   |   |   | 5.0 | % |
| Core capital         |   |                   | 34,464 |   |                         |   | 8.5    |                                                           |   |   | 16,258 |   |   |   | 4.0 |   |   |   | 24,387 |   |   |   | 6.0 |   |
| Risk-based capital   |   |                   | 36,275 |   |                         |   | 15.4   |                                                           |   |   | 18,845 |   |   |   | 8.0 |   |   |   | 23,556 |   |   |   | 10.0 |   |
|                 |   |                   |   |   |                         |   |   |                                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| As of March 31, 2011 |   |                   |   |   |                         |   |   |                                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Tangible capital     |   | $                      | 34,051 |   |                         |   | 8.4    | %                                                              |   | $ | 6,053 |   |   |   | 1.5 | % |   | $ | 20,176 |   |   |   | 5.0 | % |
| Core capital         |   |                   | 34,051 |   |                         |   | 8.4    |                                                           |   |   | 16,141 |   |   |   | 4.0 |   |   |   | 24,212 |   |   |   | 6.0 |   |
| Risk-based capital   |   |                   | 35,888 |   |                         |   | 15.1   |                                                           |   |   | 19,023 |   |   |   | 8.0 |   |   |   | 23,779 |   |   |   | 10.0 |   |
|                 |   |                   |   |   |                         |   |   |                                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |

| Note 6: | Recent Accounting Developments |
|---------|--------------------------------|

----

Index

----

Index

| Note 7: | Securities |
|---------|------------|

|                                                        |   | AmortizedCost  |    |   | GrossUnrealizedGains |   |   | GrossUnrealizedLosses |   |   | ApproximateFair Value |   |
|-------------------------------------------------------------|--------|----------------|---------|--------|----------------------|--------|--------|-----------------------|--------|--------|-----------------------|--------|
|                                                        |   | (In thousands) |    |
| Available-for-sale Securities:                              |   |           |    |   |                 |   |   |                  |   |   |                  |   |
| June 30, 2011:                                              |   |           |    |   |                 |   |   |                  |   |   |                  |   |
| U.S. government agencies                                    |   | $              | 1,818   |   |                 | $      | 82     |                  |   | $      | 1                     |   |   | $ | 1,899 |   |
| Mortgage-backed securities of government sponsored entities |   |           | 104,174 |   |                 |   | 3,216  |                  |   |   | 15                    |   |   |   | 107,375 |   |
| Private-label collateralized mortgage obligations           |   |           | 2,122   |   |                 |   | 67     |                  |   |   | -                     |   |   |   | 2,189 |   |
| State and political subdivisions                            |   |           | 23,600  |   |                 |   | 675    |                  |   |   | 86                    |   |   |   | 24,189 |   |
|                                                        |   |           |    |   |                 |   |   |                  |   |   |                  |   |   |   |   |   |
| Totals                                                      |   | $              | 131,714 |   |                 | $      | 4,040  |                  |   | $      | 102                   |   |   | $ | 135,652 |   |
|                                                        |   |           |    |   |                 |   |   |                  |   |   |                  |   |   |   |   |   |
| March 31, 2011:                                             |   |           |    |   |                 |   |   |                  |   |   |                  |   |   |   |   |   |
| U.S. government agencies                                    |   | $              | 1,938   |   |                 | $      | 71     |                  |   | $      | 1                     |   |   | $ | 2,008 |   |
| Mortgage-backed securities of government sponsored entities |   |           | 99,779  |   |                 |   | 2,597  |                  |   |   | 118                   |   |   |   | 102,258 |   |
| Private-label collateralized mortgage obligations           |   |           | 2,282   |   |                 |   | 56     |                  |   |   | —               |   |   |   | 2,338 |   |
| State and political subdivisions                            |   |           | 25,330  |   |                 |   | 350    |                  |   |   | 328                   |   |   |   | 25,352 |   |
|                                                        |   |           |    |   |                 |   |   |                  |   |   |                  |   |   |   |   |   |
| Totals                                                      |   | $              | 129,329 |   |                 | $      | 3,074  |                  |   | $      | 447                   |   |   | $ | 131,956 |   |
|                                                        |   |           |    |   |                 |   |   |                  |   |   |                  |   |   |   |   |   |

----

Index

|                                                        |   | AmortizedCost  |   |   | GrossUnrealizedGains |   |           | GrossUnrealizedLosses |   |   | ApproximateFair Value |   |
|-------------------------------------------------------------|--------|----------------|--------|--------|----------------------|--------|----------------|-----------------------|--------|--------|-----------------------|--------|
|                                                        |   | (In thousands) |   |
| Held-to-maturity Securities:                                |   |           |   |   |                 |   |           |                  |   |   |                  |   |
| June 30, 2011:                                              |   |           |   |   |                 |   |           |                  |   |   |                  |   |
| U.S. government agencies                                    |   | $              | 150    |   |                 | $      | –– |                  |   | $      | 1                     |   |   | $ | 149 |   |
| Mortgage-backed securities of government sponsored entities |   |           | 409    |   |                 |   | 15             |                  |   |   | ––        |   |   |   | 424 |   |
| State and political subdivisions                            |   |           | 14     |   |                 |   | 1              |                  |   |   | ––        |   |   |   | 15 |   |
|                                                        |   |           |   |   |                 |   |           |                  |   |   |                  |   |   |   |   |   |
|                                                        |   | $              | 573    |   |                 | $      | 16             |                  |   | $      | 1                     |   |   | $ | 588 |   |
|                                                        |   |           |   |   |                 |   |           |                  |   |   |                  |   |   |   |   |   |
| March 31, 2011:                                             |   |           |   |   |                 |   |           |                  |   |   |                  |   |   |   |   |   |
| U.S. government agencies                                    |   | $              | 153    |   |                 | $      | –– |                  |   | $      | 1                     |   |   | $ | 152 |   |
| Mortgage-backed securities of government sponsored entities |   |           | 417    |   |                 |   | 12             |                  |   |   | ––        |   |   |   | 429 |   |
| State and political subdivisions                            |   |           | 21     |   |                 |   | 1              |                  |   |   | ––        |   |   |   | 22 |   |
|                                                        |   |           |   |   |                 |   |           |                  |   |   |                  |   |   |   |   |   |
|                                                        |   | $              | 591    |   |                 | $      | 13             |                  |   | $      | 1                     |   |   | $ | 603 |   |

----

Index

|                                                        |   | Available-for-sale |    |   | Held-to-maturity |   |
|-------------------------------------------------------------|--------|--------------------|---------|--------|------------------|--------|
|                                                        |   | AmortizedCost      |    |   | FairValue        |   |   | AmortizedCost |   |   | FairValue |   |
|                                                        |   | (In thousands)     |    |
|                                                        |   |               |    |   |             |   |   |   |   |   |   |   |
| Within one year                                             |   | $                  | 764     |   |             | $      | 791 |   |   | $ | 14 |   |   | $ | 15 |   |
| One to five years                                           |   |               | 2,125   |   |             |   | 2,192 |   |   |   | — |   |   |   | — |   |
| Five to ten years                                           |   |               | 7,479   |   |             |   | 7,775 |   |   |   | –– |   |   |   | –– |   |
| After ten years                                             |   |               | 15,050  |   |             |   | 15,330 |   |   |   | 150 |   |   |   | 149 |   |
|                                                        |   |               |    |   |             |   |   |   |   |   |   |   |   |   |   |   |
|                                                        |   |               | 25,418  |   |             |   | 26,088 |   |   |   | 164 |   |   |   | 164 |   |
|                                                        |   |               |    |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Mortgage-backed securities of government sponsored entities |   |               | 104,174 |   |             |   | 107,375 |   |   |   | 409 |   |   |   | 424 |   |
| Private-label collateralized mortgage obligations           |   |               | 2,122   |   |             |   | 2,189 |   |   |   | — |   |   |   | — |   |
|                                                        |   |               |    |   |             |   |   |   |   |   |   |   |   |   |   |   |
|      Totals                        |   | $                  | 131,714 |   |             | $      | 135,652 |   |   | $ | 573 |   |   | $ | 588 |   |

----

Index

| June 30, 2011                                               |   |
|-------------------------------------------------------------|--------|
|                                                        |   |
|                                                        |   | Less than 12 Months |   |   | 12 Months or More |   |   | Total |   |
| Description ofSecurities                                    |   | Fair Value |   |   | UnrealizedLosses |   |   | Fair Value |   |   | UnrealizedLosses |   |   | Fair Value |   |   | UnrealizedLosses |   |
| (In thousands)                                              |   |
|                                                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| U.S. government agencies                                    |   | $ | — |   |   | $ | — |   |   | $ | 324 |   |   | $ | 2 |   |   | $ | 324 |   |   | $ | 2 |   |
| Mortgage-backed securities of government sponsored entities |   |   | 3,716 |   |   |   | 15 |   |   |   | — |   |   |   | — |   |   |   | 3,716 |   |   |   | 15 |   |
| State and political subdivisions                            |   |   | 4,426 |   |   |   |  64 |   |   |   | 762 |   |   |   | 22 |   |   |   | 5,188 |   |   |   |  86 |   |
| Total temporarily impaired securities                       |   | $ | 8,142 |   |   | $ | 79 |   |   | $ | 1,086 |   |   | $ | 24 |   |   | $ | 9,228 |   |   | $ | 103 |   |

| March 31, 2011                                              |   |
|-------------------------------------------------------------|--------|
|                                                        |   |
|                                                        |   | Less than 12 Months |   |   | 12 Months or More |   |   | Total |   |
| Description ofSecurities                                    |   | Fair Value |   |   | UnrealizedLosses |   |   | Fair Value |   |   | UnrealizedLosses |   |   | Fair Value |   |   | UnrealizedLosses |   |
| (In thousands)                                              |   |
|                                                        |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| U.S. government agencies                                    |   | $ | — |   |   | $ | — |   |   | $ | 329 |   |   | $ | 2 |   |   | $ | 329 |   |   | $ | 2 |   |
| Mortgage-backed securities of government sponsored entities |   |   | 17,150 |   |   |   | 118 |   |   |   | — |   |   |   | — |   |   |   | 17,150 |   |   |   | 118 |   |
| State and political subdivisions                            |   |   | 10,403 |   |   |   |  304 |   |   |   | 761 |   |   |   | 24 |   |   |   | 11,164 |   |   |   |  328 |   |
| Total temporarily impaired securities                       |   | $ | 27,553 |   |   | $ | 422 |   |   | $ | 1,090 |   |   | $ | 26 |   |   | $ | 28,643 |   |   | $ | 448 |   |

----

Index

| Note 8: | Fair Value Measurements |
|---------|-------------------------|

|   | Level 1 | Quoted prices in active markets for identical assets or liabilities |
|--------|---------|---------------------------------------------------------------------|

|   | Level 2 | Observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities |
|--------|---------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | Level 3 | Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities |
|--------|---------|------------------------------------------------------------------------------------------------------------------------------------------------|

----

Index

|                                                        |   |           |    |   | Fair Value Measurements Using                             |   |
|-------------------------------------------------------------|--------|----------------|---------|--------|-----------------------------------------------------------|--------|
|                                                        |   | Fair Value     |    |   | Quoted Pricesin ActiveMarkets forIdenticalAssets(Level 1) |   |   | SignificantOtherObservableInputs(Level 2) |   |   | SignificantUnobservableInputs(Level 3) |   |
|                                                        |   | (In thousands) |    |
|      June 30, 2011                 |   |           |    |   |                                                      |   |   |   |   |   |   |   |
| U.S. government agencies                                    |   | $              | 1,899   |   |                                                      | $      | –– |   |   | $ | 1,899 |   |   | $ | –– |   |
| Mortgage-backed securities of government sponsored entities |   |           | 107,375 |   |                                                      |   | –– |   |   |   | 107,375 |   |   |   | –– |   |
| Private-label collateralized mortgage obligations           |   |           | 2,189   |   |                                                      |   | — |   |   |   | 2,189 |   |   |   | — |   |
| State and political subdivisions                            |   |           | 24,189  |   |                                                      |   | –– |   |   |   | 24,189 |   |   |   | –– |   |
|                                                        |   |           |    |   |                                                      |   |   |   |   |   |   |   |   |   |   |   |
|                                                        |   |           |    |   |                                                      |   |   |   |   |   |   |   |   |   |   |   |
|       March 31, 2011          |   |           |    |   |                                                      |   |   |   |   |   |   |   |   |   |   |   |
| U.S. government agencies                                    |   | $              | 2,008   |   |                                                      | $      | –– |   |   | $ | 2,008 |   |   | $ | –– |   |
| Mortgage-backed securities of government sponsored entities |   |           | 102,258 |   |                                                      |   | –– |   |   |   | 102,258 |   |   |   | –– |   |
| Private-label collateralized mortgage obligations           |   |           | 2,338   |   |                                                      |   | — |   |   |   | 2,338 |   |   |   | — |   |
| State and political subdivisions                            |   |           | 25,352  |   |                                                      |   | –– |   |   |   | 25,352 |   |   |   | –– |   |

----

Index

|                                      |   |           |   |   | Fair Value Measurements Using                             |   |
|-------------------------------------------|--------|----------------|--------|--------|-----------------------------------------------------------|--------|
|                                      |   | Fair Value     |   |   | Quoted Pricesin ActiveMarkets forIdenticalAssets(Level 1) |   |   | SignificantOtherObservableInputs(Level 2) |   |   | SignificantUnobservableInputs(Level 3) |   |
|                                      |   | (In thousands) |   |
|                                      |   |           |   |   |                                                      |   |   |   |   |   |   |   |
|  June 30, 2011                       |   |           |   |   |                                                      |   |   |   |   |   |   |   |   |   |   |   |
| Impaired loans                            |   | $              | 1,166  |   |                                                      | $      | –– |   |   | $ | –– |   |   | $ | 1,166 |   |
|     Foreclosed assets |   |           | 1,832  |   |                                                      |   | –– |   |   |   | –– |   |   |   | 1,832 |   |
|  March 31, 2011                      |   |           |   |   |                                                      |   |   |   |   |   |   |   |   |   |   |   |
| Impaired loans                            |   | $              | 4,766  |   |                                                      | $      | –– |   |   | $ | –– |   |   | $ | 4,766 |   |
|     Foreclosed assets |   |           | 1,710  |   |                                                      |   | –– |   |   |   | –– |   |   |   | 1,710 |   |

----

Index

|                                            |                 | June 30, 2011   |    |   | March 31, 2011 |   |
|-------------------------------------------------|----------------------|-----------------|---------|--------|----------------|--------|
|                                            |                 | Carrying Amount |    |   | Fair Value     |   |   | Carrying Amount |   |   | Fair Value |   |
|                                            |                 |            |    |   |           |   |   |   |   |   |   |   |
|                                            |  (In thousands) |            |
| Financial assets                                |                 |            |    |   |           |   |   |   |   |   |   |   |
| Cash and cash equivalents                       |                 | $               | 13,721  |   |           | $      | 13,721 |   |   | $ | 8,271 |   |   | $ | 8,271 |   |
| Available-for-sale securities                   |                 |            | 135,652 |   |           |   | 135,652 |   |   |   | 131,956 |   |   |   | 131,956 |   |
| Held-to-maturity securities                     |                 |            | 573     |   |           |   | 588 |   |   |   | 591 |   |   |   | 603 |   |
| Loans, net of allowance for loan losses         |                 |            | 235,126 |   |           |   | 240,350 |   |   |   | 239,993 |   |   |   | 244,500 |   |
| Federal Home Loan Bank stock                    |                 |            | 5,025   |   |           |   | 5,025 |   |   |   | 5,025 |   |   |   | 5,025 |   |
| Interest receivable                             |                 |            | 1,369   |   |           |   | 1,369 |   |   |   | 1,647 |   |   |   | 1,647 |   |
|                                            |                 |            |    |   |           |   |   |   |   |   |   |   |   |   |   |   |
| Financial liabilities                           |                 |            |    |   |           |   |   |   |   |   |   |   |   |   |   |   |
| Deposits                                        |                 |            | 327,813 |   |           |   | 323,751 |   |   |   | 320,072 |   |   |   | 313,888 |   |
| Other short-term borrowings                     |                 |            | 5,959   |   |           |   | 5,959 |   |   |   | 6,373 |   |   |   | 6,373 |   |
| Federal Home Loan Bank advances                 |                 |            | 35,037  |   |           |   | 36,057 |   |   |   | 39,507 |   |   |   | 40,215 |   |
| Advances from borrowers for taxes and insurance |                 |            | 112     |   |           |   | 112 |   |   |   | 559 |   |   |   | 559 |   |
| Interest payable                                |                 |            | 111     |   |           |   | 111 |   |   |   | 123 |   |   |   | 123 |   |
|                                            |                 |            |    |   |           |   |   |   |   |   |   |   |   |   |   |   |

----

Index

----

Index

| Note 9: | Credit Quality of Loans and the Allowance for Loan Losses |
|---------|-----------------------------------------------------------|

| June 30, 2011                                                    |   | One-to-four family residential |    |   | All other mortgage loans |   |    | Commercial business loans |   |   | Consumer loans |   |   | Unallocated |    |   | Total  |   |
|------------------------------------------------------------------|--------|--------------------------------|---------|--------|--------------------------|--------|---------|---------------------------|--------|--------|---------------------|--------|--------|-------------|---------|--------|--------|--------|
|                                                             |   |  (In thousands)           |    |
| Allowance for loan losses:                                       |   |                           |    |   |                     |   |    |                      |   |   |                |   |   |        |    |   |   |   |
| Balance, beginning of year                                       |   | $                              | 1,073   |   |                     | $      | 1,967   |                      |   | $      | 158                 |   |   | $           | 5       |   |   | $      | — |   |   | $ | 3,203 |   |
| Provision charged to expense                                     |   |                           | 55      |   |                     |   | (127    | )                         |   |   | 137                 |   |   |        | 5       |   |   |   | — |   |   |   | 70 |   |
| Losses charged off                                               |   |                           | (53     | )      |                     |   | — |                      |   |   | —             |   |   |        | — |   |   |   | — |   |   |   | (53 | ) |
| Recoveries                                                       |   |                           | 1       |   |                     |   | — |                      |   |   | —             |   |   |        | — |   |   |   | — |   |   |   | 1 |   |
| Balance, end of year                                             |   | $                              | 1,076   |   |                     | $      | 1,840   |                      |   | $      | 295                 |   |   | $           | 10      |   |   | $      |   |   |   | $ | 3,221 |   |
| Ending balance:  individually evaluated for impairment |   | $                              | 134     |   |                     | $      | 1,114   |                      |   | $      | 162                 |   |   | $           | — |   |   | $      | — |   |   | $ | 1,410 |   |
| Ending balance:  collectively evaluated for impairment |   | $                              | 942     |   |                     | $      | 726     |                      |   | $      | 133                 |   |   | $           | 10      |   |   | $      | — |   |   | $ | 1,811 |   |
|                                                             |   |                           |    |   |                     |   |    |                      |   |   |                |   |   |        |    |   |   |   |   |   |   |   |   |   |
| Loans:                                                           |   |                           |    |   |                     |   |    |                      |   |   |                |   |   |        |    |   |   |   |   |   |   |   |   |   |
| Ending balance                                                   |   | $                              | 157,952 |   |                     | $      | 68,947  |                      |   | $      | 9,659               |   |   | $           | 2,456   |   |   |   |   |   |   | $ | 239,014 |   |
| Ending balance:  individually evaluated for impairment |   | $                              | 3,156   |   |                     | $      | 7,077   |                      |   | $      | 203                 |   |   | $           | — |   |   |   |   |   |   | $ | 10,436 |   |
| Ending balance:  collectively evaluated for impairment |   | $                              | 154,796 |   |                     | $      | 61,870  |                      |   | $      | 9,456               |   |   | $           | 2,456   |   |   |   |   |   |   | $ | 228,578 |   |

| March 31, 2011                                                   |   | One-to-four family residential |    |   | All other mortgage loans |   |   | Commercial business loans |   |   | Consumer loans |   |   | Unallocated |    |   | Total  |   |
|------------------------------------------------------------------|--------|--------------------------------|---------|--------|--------------------------|--------|--------|---------------------------|--------|--------|----------------|--------|--------|-------------|---------|--------|--------|--------|
|                                                             |   |   (In thousands)     |    |
| Allowance for loan losses:                                       |   |                           |    |   |                     |   |   |                      |   |   |           |   |   |        |    |   |   |   |
| Balance, beginning of year                                       |   | $                              | 1,140   |   |                     | $      | 1,469  |                      |   | $      | 209            |   |   | $           | 8       |   |   | $      | — |   |   | $ | 2,826 |   |
| Provision charged to expense                                     |   |                           | 37      |   |                     |   | 488    |                      |   |   | 30             |   |   |        | (3      | )      |   |   | — |   |   |   | 552 |   |
| Losses charged off                                               |   |                           | (112    | )      |                     |   | (5     | )                         |   |   | (81            | )      |   |        | (1      | )      |   |   |   |   |   |   | (199 | ) |
| Recoveries                                                       |   |                           | 8       |   |                     |   | 15     |                      |   |   | —        |   |   |        | 1       |   |   |   | — |   |   |   | 24 |   |
| Balance, end of year                                             |   | $                              | 1,073   |   |                     | $      | 1,967  |                      |   | $      | 158            |   |   | $           | 5       |   |   | $      | — |   |   | $ | 3,203 |   |
| Ending balance:  individually evaluated for impairment |   | $                              | 149     |   |                     | $      | 1,158  |                      |   | $      | 59             |   |   | $           | — |   |   | $      | — |   |   | $ | 1,366 |   |
| Ending balance:  collectively evaluated for impairment |   | $                              | 924     |   |                     | $      | 809    |                      |   | $      | 99             |   |   | $           | 5       |   |   | $      | — |   |   | $ | 1,837 |   |
|                                                             |   |                           |    |   |                     |   |   |                      |   |   |           |   |   |        |    |   |   |   |   |   |   |   |   |   |
| Loans:                                                           |   |                           |    |   |                     |   |   |                      |   |   |           |   |   |        |    |   |   |   |   |   |   |   |   |   |
| Ending balance                                                   |   | $                              | 162,435 |   |                     | $      | 70,976 |                      |   | $      | 8,204          |   |   | $           | 2,414   |   |   |   |   |   |   | $ | 244,029 |   |
| Ending balance:  individually evaluated for impairment |   | $                              | 3,183   |   |                     | $      | 6,017  |                      |   | $      | 123            |   |   | $           | — |   |   |   |   |   |   | $ | 9,323 |   |
| Ending balance:  collectively evaluated for impairment |   | $                              | 159,252 |   |                     | $      | 64,959 |                      |   | $      | 8,081          |   |   | $           | 2,414   |   |   |   |   |   |   | $ | 234,706 |   |

----

Index

| June 30, 2011                                                                  |   | One-to-four family residential |    |   | All other mortgage loans |   |   | Commercial business loans |   |   | Consumer loans |   |
|--------------------------------------------------------------------------------|--------|-------------------------------------|---------|--------|--------------------------|--------|--------|---------------------------|--------|--------|----------------|--------|
|                                                                           |   |  (In thousands)                |    |   |                     |   |
|        Rating *                             |   |                                |    |   |                     |   |   |                      |   |   |           |   |
|          Pass (Risk 1-4)          |   | $                                   | 152,848 |   |                     | $      | 59,273 |                      |   | $      | 9,326          |   |   | $ | 2,452 |   |
|          Special Mention (Risk 5) |   |                                | 125     |   |                     |   | 2,597  |                      |   |   | 130            |   |   |   | — |   |
|          Substandard (Risk 6)     |   |                                | 4,979   |   |                     |   | 7,077  |                      |   |   | 203            |   |   |   | 4 |   |
|                                                                           |   |                                |    |   |                     |   |   |                      |   |   |           |   |   |   |   |   |
| Total                                                                          |   | $                                   | 157,952 |   |                     | $      | 68,947 |                      |   | $      | 9,659          |   |   | $ | 2,456 |   |

| March 31, 2011                                                                 |   | One-to-four family residential |        |   | All other mortgage loans |   |   | Commercial business loans |   |   | Consumer loans |   |
|--------------------------------------------------------------------------------|--------|-------------------------------------|-------------|--------|--------------------------|--------|--------|--------------------------------|--------|--------|----------------|--------|
|                                                                           |   |  (In thousands)                |        |   |                     |   |
|        Rating *                             |   |                                |        |   |                     |   |   |                           |   |   |           |   |
|          Pass (Risk 1-4)          |   | $                                   | 156,866     |   |                     | $      | 58,341 |                           |   | $      | 7,917          |   |   | $ | 2,391 |   |
|          Special Mention (Risk 5) |   |                                | 834         |   |                     |   | 6,601  |                           |   |   | 164            |   |   |   | — |   |
|          Substandard (Risk 6)     |   |                                |  4,735 |   |                     |   | 6,034  |                           |   |   | 123            |   |   |   | 23 |   |
|                                                                           |   |                                |        |   |                     |   |   |                           |   |   |           |   |   |   |   |   |
| Total                                                                          |   | $                                   | 162,435     |   |                     | $      | 70,976 |                           |   | $      |  8,204    |   |   | $ | 2,414 |   |

----

Index

| June 30, 2011                          |   | 30-59 Days Past Due  |   |   | 60-89 DaysPast Due |   |    | Greater Than 90 Days |   |   | Total PastDue |   |   | Current |     |   | Total Loans Receivable |   |    | Total Loans > 90 Days & Accruing |   |
|----------------------------------------|--------|----------------------|--------|--------|--------------------|--------|---------|----------------------|--------|--------|---------------|--------|--------|---------|----------|--------|------------------------|--------|---------|-----------------------------------------|--------|
|                                   |   |  (In thousands) |   |
|                                   |   |                 |   |   |               |   |    |                 |   |   |          |   |   |    |     |   |                   |   |    |                                    |   |
| One-to-four family residential loans   |   | $                    | 288    |   |               | $      | 157     |                 |   | $      | 814           |   |   | $       | 1,259    |   |                   | $      | 156,693 |                                    |   | $ | 157,952 |   |   | $ | — |   |
| All other mortgage loans               |   |                 | 637    |   |               |   | 342     |                 |   |   | 1,384         |   |   |    | 2,363    |   |                   |   | 66,584  |                                    |   |   | 68,947 |   |   |   | — |   |
| Commercial business loans              |   |                 | 64     |   |               |   | — |                 |   |   | —       |   |   |    | 64       |   |                   |   | 9,595   |                                    |   |   | 9,659 |   |   |   | — |   |
|     Consumer loans |   |                 | 11     |   |               |   | — |                 |   |   | 16            |   |   |    |  27 |   |                   |   | 2,429   |                                    |   |   |  2,456 |   |   |   | — |   |
|                                   |   |                 |   |   |               |   |    |                 |   |   |          |   |   |    |     |   |                   |   |    |                                    |   |   |   |   |   |   |   |   |
| Total                                  |   | $                    | 1,000  |   |               | $      | 499     |                 |   | $      | 2,214         |   |   | $       | 3,713    |   |                   | $      | 235,301 |                                    |   | $ | 239,014 |   |   | $ | — |   |
|                                   |   |                 |   |   |               |   |    |                 |   |   |          |   |   |    |     |   |                   |   |    |                                    |   |   |   |   |   |   |   |   |

| March 31, 2011                         |   | 30-59 Days Past Due  |    |   | 60-89 DaysPast Due |   |    | Greater Than90Days |   |   | Total PastDue |   |   | Current |   |   | Total Loans Receivable |   |    | Total Loans > 90 Days & Accruing |   |
|----------------------------------------|--------|----------------------|---------|--------|--------------------|--------|---------|--------------------|--------|--------|---------------|--------|--------|---------|--------|--------|------------------------|--------|---------|-----------------------------------------|--------|
|                                   |   |  (In thousands) |    |
|                                   |   |                 |    |   |               |   |    |               |   |   |          |   |   |    |   |   |                   |   |    |                                    |   |
| One-to-four family residential loans   |   | $                    | 1,306   |   |               | $      | 113     |               |   | $      | 1,782         |   |   | $       | 3,201  |   |                   | $      | 159,234 |                                    |   | $ | 162,435 |   |   | $ | — |   |
| All other mortgage loans               |   |                 | 888     |   |               |   | — |               |   |   | 1,386         |   |   |    | 2,274  |   |                   |   | 68,702  |                                    |   |   | 70,976 |   |   |   | — |   |
| Commercial business loans              |   |                 | — |   |               |   | 90      |               |   |   | —       |   |   |    | 90     |   |                   |   | 8,114   |                                    |   |   | 8,204 |   |   |   | — |   |
|     Consumer loans |   |                 | — |   |               |   | — |               |   |   | 20            |   |   |    | 20     |   |                   |   | 2,394   |                                    |   |   |  2,414 |   |   |   | — |   |
|                                   |   |                 |    |   |               |   |    |               |   |   |          |   |   |    |   |   |                   |   |    |                                    |   |   |   |   |   |   |   |   |
| Total                                  |   | $                    | 2,194   |   |               | $      | 203     |               |   | $      | 3,188         |   |   | $       | 5,585  |   |                   | $      | 238,444 |                                    |   | $ | 244,029 |   |   | $ | — |   |

|                                   |   | June 30, 2011  |        |   | March 31, 2011 |   |
|----------------------------------------|--------|----------------|-------------|--------|----------------|--------|
|                                   |   | Nonaccrual     |        |   | Nonaccrual     |   |
|                                   |   | (In thousands) |        |   | (In thousands) |   |
|                                   |   |           |        |   |           |   |
| One-to-four family residential loans   |   | $              | 1,829       |   |           | $      | 2,739 |   |
| All other mortgage loans               |   |           | 2,672       |   |           |   | 2,362 |   |
| Commercial business loans              |   |           | 203         |   |           |   | 33 |   |
|     Consumer loans |   |           | —     |   |           |   | 23 |   |
|                                   |   |           |        |   |           |   |   |   |
| Total                                  |   | $              |  4,704 |   |           | $      |  5,157 |   |

----

Index

| June 30, 2011                                |   | RecordedBalance |   |   | UnpaidPrincipalBalance |   |   | SpecificAllowance |   |   | AverageInvestmentin ImpairedLoans |   |   | InterestIncomeRecognized |   |
|----------------------------------------------|--------|-----------------|--------|--------|------------------------|--------|--------|-------------------|--------|--------|-----------------------------------|--------|--------|--------------------------|--------|
|                                         |   |            |   |   |                   |   |   |              |   |   |                              |   |   |                     |   |
| Loans without a specific valuation allowance |   |            |   |   |                   |   |   |              |   |   |                              |   |   |                     |   |
| One-to-four family residential loans         |   | $               | 2,886  |   |                   | $      | 2,886  |              |   | $      | —                           |   |   | $                        | 2,603  |   |   | $ | 28 |   |
| All other mortgage loans                     |   |            | 2,066  |   |                   |   | 2,066  |              |   |   | —                           |   |   |                     | 1,493  |   |   |   | 5 |   |
|                                         |   |            |   |   |                   |   |   |              |   |   |                              |   |   |                     |   |   |   |   |   |   |
| Loans with a specific valuation allowance    |   |            |   |   |                   |   |   |              |   |   |                              |   |   |                     |   |   |   |   |   |   |
| One-to-four family residential loans         |   |            | 270    |   |                   |   | 270    |              |   |   | 134                               |   |   |                     | 567    |   |   |   | 5 |   |
| All other mortgage loans                     |   |            | 5,011  |   |                   |   | 5,011  |              |   |   | 1,114                             |   |   |                     | 5,055  |   |   |   | 49 |   |
| Commercial business loans                    |   |            | 203    |   |                   |   | 203    |              |   |   | 161                               |   |   |                     | 163    |   |   |   | — |   |
|                                         |   |            |   |   |                   |   |   |              |   |   |                              |   |   |                     |   |   |   |   |   |   |
| Total:                                       |   |            |   |   |                   |   |   |              |   |   |                              |   |   |                     |   |   |   |   |   |   |
| One-to-four family residential loans         |   | $               | 3,156  |   |                   | $      | 3,156  |              |   | $      | 134                               |   |   | $                        | 3,170  |   |   | $ | 33 |   |
| All other mortgage loans                     |   |            | 7,077  |   |                   |   | 7,077  |              |   |   | 1,114                             |   |   |                     | 6,548  |   |   |   | 54 |   |
| Commercial business loans                    |   |            | 203    |   |                   |   | 203    |              |   |   | 161                               |   |   |                     | 163    |   |   |   | — |   |
|                                         |   | $               | 10,436 |   |                   | $      | 10,436 |              |   | $      | 1,409                             |   |   | $                        | 9,085  |   |   | $ | 87 |   |

----

Index

| March 31, 2011                               |   | RecordedBalance |   |   | UnpaidPrincipalBalance |   |   | SpecificAllowance |   |   | AverageInvestmentin ImpairedLoans |   |   | InterestIncomeRecognized |   |
|----------------------------------------------|--------|-----------------|--------|--------|------------------------|--------|--------|-------------------|--------|--------|-----------------------------------|--------|--------|--------------------------|--------|
|                                         |   |            |   |   |                   |   |   |              |   |   |                              |   |   |                     |   |
| Loans without a specific valuation allowance |   |            |   |   |                   |   |   |              |   |   |                              |   |   |                     |   |
| One-to-four family residential loans         |   | $               | 2,319  |   |                   | $      | 2,319  |              |   | $      | —                           |   |   | $                        | 1,781  |   |   | $ | 91 |   |
| All other mortgage loans                     |   |            | 919    |   |                   |   | 919    |              |   |   | —                           |   |   |                     | 839    |   |   |   | 38 |   |
|                                         |   |            |   |   |                   |   |   |              |   |   |                              |   |   |                     |   |   |   |   |   |   |
| Loans with a specific valuation allowance    |   |            |   |   |                   |   |   |              |   |   |                              |   |   |                     |   |   |   |   |   |   |
| One-to-four family residential loans         |   |            | 863    |   |                   |   | 863    |              |   |   | 149                               |   |   |                     | 505    |   |   |   | 7 |   |
| All other mortgage loans                     |   |            | 5,099  |   |                   |   | 5,099  |              |   |   | 1,158                             |   |   |                     | 3,503  |   |   |   | 128 |   |
| Commercial business loans                    |   |            | 123    |   |                   |   | 123    |              |   |   | 59                                |   |   |                     | 131    |   |   |   | 6 |   |
|                                         |   |            |   |   |                   |   |   |              |   |   |                              |   |   |                     |   |   |   |   |   |   |
| Total:                                       |   |            |   |   |                   |   |   |              |   |   |                              |   |   |                     |   |   |   |   |   |   |
| One-to-four family residential loans         |   | $               | 3,182  |   |                   | $      | 3,182  |              |   | $      | 149                               |   |   | $                        | 2,286  |   |   | $ | 98 |   |
| All other mortgage loans                     |   |            | 6,018  |   |                   |   | 6,018  |              |   |   | 1,158                             |   |   |                     | 4,342  |   |   |   | 166 |   |
| Commercial business loans                    |   |            | 123    |   |                   |   | 123    |              |   |   | 59                                |   |   |                     | 131    |   |   |   | 6 |   |
|                                         |   | $               | 9,323  |   |                   | $      | 9,323  |              |   | $      | 1,366                             |   |   | $                        | 6,759  |   |   | $ | 270 |   |

----

Index

F

----

Index

|                                |   | June 30, 2011          |    |   | March 31, 2011 |   |
|-------------------------------------|--------|------------------------|---------|--------|----------------|--------|
|                                |   | (Dollars in thousands) |    |
| Mortgage loans:                     |   |                   |    |   |           |   |   |   |   |   |   |   |
| One-to-four family residential(1)   |   | $                      | 157,902 |   |           |   | 66.06 | % |   | $ | 162,435 |   |   |   | 66.57 | % |
| Residential construction loans      |   |                   | 50      |   |           |   | 0.02 |   |   |   | 160 |   |   |   | 0.07 |   |
| Multi-family residential            |   |                   | 8,744   |   |           |   | 3.66 |   |   |   | 8,308 |   |   |   | 3.40 |   |
| Non-residential real estate/land(2) |   |                   | 60,203  |   |           |   | 25.19 |   |   |   | 62,508 |   |   |   | 25.61 |   |
| Total mortgage loans                |   |                   | 226,899 |   |           |   | 94.93 |   |   |   | 233,411 |   |   |   | 95.65 |   |
| Other loans:                        |   |                   |    |   |           |   |   |   |   |   |   |   |   |   |   |   |
| Consumer loans(3)                   |   |                   | 2,456   |   |           |   | 1.03 |   |   |   | 2,414 |   |   |   | 0.99 |   |
| Commercial business loans           |   |                   | 9,659   |   |           |   | 4.04 |   |   |   | 8,204 |   |   |   | 3.36 |   |
| Total other loans                   |   |                   | 12,115  |   |           |   | 5.07 |   |   |   | 10,618 |   |   |   | 4.35 |   |
| Total loans before net items        |   |                   | 239,014 |   |           |   | 100.00 | % |   |   | 244,029 |   |   |   | 100.00 | % |
| Less:                               |   |                   |    |   |           |   |   |   |   |   |   |   |   |   |   |   |
| Loans in process                    |   |                   | 265     |   |           |   |   |   |   |   | 413 |   |   |   |   |   |
| Deferred loan origination fees      |   |                   | 402     |   |           |   |   |   |   |   | 420 |   |   |   |   |   |
| Allowance for loan losses           |   |                   | 3,221   |   |           |   |   |   |   |   | 3,203 |   |   |   |   |   |
| Total loans receivable, net         |   | $                      | 235,126 |   |           |   |   |   |   | $ | 239,993 |   |   |   |   |   |

| (1) | Includes loans collateralized by second mortgages in the aggregate amount of $15.9 million at June 30, 2011, and $15.8 million at March 31, 2011.  Such loans have been underwritten on substantially the same basis as the Company’s first mortgage loans. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (2) | Includes land loans of $2.8 million for both June 30, 2011 and  March 31, 2011. |
|-----|-------------------------------------------------------------------------------------------|

| (3) | Includes second mortgage loans of $1.1 million and $988,000 for June 30, 2011 and  March 31, 2011, respectively. |
|-----|----------------------------------------------------------------------------------------------------------------------------|

----

Index

----

Index

|                                                                                        |   | For the three months ended June 30, |    |
|---------------------------------------------------------------------------------------------|--------|-------------------------------------|---------|
|                                                                                        |   | 2011                                |    |   | 2010 |   |
|                                                                                        |   | AverageBalance                      |    |   | Interest |   |   | AverageRate |   |   | AverageBalance |   |   | Interest |   |   | AverageRate |   |
|                                                                                        |   | (Dollars in thousands)              |    |
| Interest-earning assets:                                                                    |   |                                |    |
| Loans receivable, net(1)                                                                    |   | $                                   | 238,152 |   |   | $ | 3,137 |   |   |   | 5.27 | % |   | $ | 245,542 |   |   | $ | 3,434 |   |   |   | 5.59 | % |
| Investment securities(2)                                                                    |   |                                | 133,338 |   |   |   | 1,177 |   |   |   | 3.53 |   |   |   | 123,996 |   |   |   | 1,216 |   |   |   | 3.92 |   |
| Interest-earning deposits(3)                                                                |   |                                | 14,150  |   |   |   | 58 |   |   |   | 1.64 |   |   |   | 13,346 |   |   |   | 57 |   |   |   | 1.71 |   |
| Total interest-earning assets                                                               |   |                                | 385,640 |   |   |   | 4,372 |   |   |   | 4.53 |   |   |   | 382,884 |   |   |   | 4,707 |   |   |   | 4.92 |   |
| Noninterest-earning assets                                                                  |   |                                | 24,232  |   |   |   |   |   |   |   |   |   |   |   | 25,297 |   |   |   |   |   |   |   |   |   |
|                                                                                        |   |                                |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|    Total assets                                                              |   | $                                   | 409,872 |   |   |   |   |   |   |   |   |   |   | $ | 408,181 |   |   |   |   |   |   |   |   |   |
|                                                                                        |   |                                |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing liabilities:                                                               |   |                                |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Deposits                                                                                    |   | $                                   | 324,192 |   |   | $ | 792 |   |   |   | 0.98 | % |   | $ | 314,571 |   |   | $ | 1,012 |   |   |   | 1.29 | % |
| Other short-term borrowings                                                                 |   |                                | 5,993   |   |   |   | 5 |   |   |   | 0.33 |   |   |   | 7,266 |   |   |   | 7 |   |   |   | 0.39 |   |
| Borrowings                                                                                  |   |                                | 36,860  |   |   |   | 293 |   |   |   | 3.18 |   |   |   | 44,588 |   |   |   | 416 |   |   |   | 3.73 |   |
|    Total interest-bearing liabilities                                        |   |                                | 367,045 |   |   |   | 1,090 |   |   |   | 1.19 |   |   |   | 366,425 |   |   |   | 1,435 |   |   |   | 1.57 |   |
|                                                                                        |   |                                |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Noninterest bearing  liabilities                                                  |   |                                | 3,588   |   |   |   |   |   |   |   |   |   |   |   | 4,156 |   |   |   |   |   |   |   |   |   |
|   Total liabilities                                                               |   |                                | 370,633 |   |   |   |   |   |   |   |   |   |   |   | 370,581 |   |   |   |   |   |   |   |   |   |
|   Stockholders’ equity                                                      |   |                                | 39,239  |   |   |   |   |   |   |   |   |   |   |   | 37,600 |   |   |   |   |   |   |   |   |   |
|       Total liabilities and stockholders’ equity             |   | $                                   | 409,872 |   |   |   |   |   |   |   |   |   |   | $ | 408,181 |   |   |   |   |   |   |   |   |   |
|   Net interest income                                                                  |   |                                |    |   |   | $ | 3,282 |   |   |   |   |   |   |   |   |   |   | $ | 3,272 |   |   |   |   |   |
| Interest rate spread(4)                                                                     |   |                                |    |   |   |   |   |   |   |   | 3.34 | % |   |   |   |   |   |   |   |   |   |   | 3.35 | % |
| Net yield on interest-earning assets(5)                                                     |   |                                |    |   |   |   |   |   |   |   | 3.40 | % |   |   |   |   |   |   |   |   |   |   | 3.42 | % |
| Ratio of average interest-earning assets to average  interest-bearing liabilities |   |                                |    |   |   |   |   |   |   |   | 105.07 | % |   |   |   |   |   |   |   |   |   |   | 104.49 | % |

----

Index

----

Index

----

Index

----

Index

----

Index

E

T

----

Index

| ITEM 1.  | Legal Proceedings                                                                                                                                                         |
|----------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|     |                                                                                                                                                                      |
|     | Not applicable.                                                                                                                                                           |
|     |                                                                                                                                                                      |   |
| ITEM 1A. | Risk Factors                                                                                                                                                              |
|     |                                                                                                                                                                      |
|     | There have been no material changes in the risk factors set forth in Part I, Item 1A of the Company’s Annual Report on Form 10-K for the year ended March 31, 2011. |
|     |                                                                                                                                                                      |   |
| ITEM 2.  | Unregistered Sales of Equity Securities and Use of Proceeds                                                                                                               |
|     |                                                                                                                                                                      |   |
|     | (a)                                                                                                                                                                       | Not applicable. |
|     | (b)                                                                                                                                                                       | Not applicable. |
|     | (c)                                                                                                                                                                       | Not applicable. |
|     |                                                                                                                                                                      |   |
| ITEM 3.  | Defaults Upon Senior Securities                                                                                                                                           |
|     |                                                                                                                                                                      |
|     | Not applicable.                                                                                                                                                           |
|     |                                                                                                                                                                      |   |
| ITEM 4.  | Reserved                                                                                                                                                                  |
|     |                                                                                                                                                                      |   |
|     | Not applicable.                                                                                                                                                           |
|     |                                                                                                                                                                      |   |
| ITEM 5.  | Other Information                                                                                                                                                         |
|     |                                                                                                                                                                      |
|     | Not applicable.                                                                                                                                                           |

----

Index

E

|   | EX-31.1 | Certification of Chief Executive Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002, 18 U.S.C. Section 1350                                           |
|--------|---------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   |    |                                                                                                                                                                 |
|   | EX-31.2 | Certification of Chief Financial Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002, 18 U.S.C. Section 1350                                           |
|   |    |                                                                                                                                                                 |
|   | EX-32   | Written Statement of Chief Executive Officer and Chief Financial Officer furnished pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, 18 U.S.C. Section 1350 |

----

Index

R

| Date:  | August 8, 2011 |   | By:    | /s/Rod C. Steiger                     |
|--------|----------------|--------|--------|---------------------------------------|
|   |           |   |   | Rod C. Steiger                        |
|   |           |   |   | President and Chief Executive Officer |
|   |           |   |   |                                  |
|   |           |   |   |                                  |
|   |           |   |   |                                  |
| Date:  | August 8, 2011 |   | By:    | /s/Myron Swartzentruber               |
|   |           |   |   | Myron Swartzentruber                  |
|   |           |   |   | Senior Vice President and             |
|   |           |   |   | Chief Financial Officer               |