----

----

| Delaware                                                       | 31-1557791                              |
|----------------------------------------------------------------|-----------------------------------------|
| (State or other jurisdiction of incorporation or organization) | (I.R.S. Employer Identification Number) |
|                                                           |                                    |

| 151 North Market StreetWooster, Ohio         | 44691      |
|----------------------------------------------|------------|
| (Address of principal executive office) | (Zip Code) |

----

----

----

Index

|                           |                                                                                              | 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 | 21     |
|                           |                                                                                              |   |
| Item 3                         |  Quantitative and Qualitative Disclosures About Market Risk                                  | 35     |
|                           |                                                                                              |   |
| Item 4T                        |  Controls and Procedures                                                                     | 35     |
|                           |                                                                                              |   |
|                           |                                                                                              |   |
| PART II - OTHER INFORMATION    |                                                                                              |
|                           |                                                                                              |   |
| Item 1                         | Legal Proceedings                                                                                 | 36     |
|                           |                                                                                              |   |
| Item 1A                        | Risk Factors                                                                                      | 36     |
|                           |                                                                                              |   |
| Item 2                         | Unregistered Sales of Equity Securities and Use of Proceeds                                       | 36     |
|                           |                                                                                              |   |
| Item 3                         | Defaults Upon Senior Securities                                                                   | 36     |
|                           |                                                                                              |   |
| Item 4                         | Reserved                                                                                          | 36     |
|                           |                                                                                              |   |
| Item 5                         | Other Information                                                                                 | 36     |
|                           |                                                                                              |   |
| Item 6                         | Exhibits                                                                                          | 37     |
|                           |                                                                                              |   |
| SIGNATURES                     | 38                                                                                                |

----

Index

Wayne 

|                                                                                                                                  |   | September 30, 2010 |           |   | March 31, 2010 |   |
|---------------------------------------------------------------------------------------------------------------------------------------|--------|--------------------|----------------|--------|----------------|--------|
|                                                                                                                                  |   | (Unaudited)        |           |   |           |   |
| ASSETS                                                                                                                                |   |               |           |   |           |   |
| Cash and due from banks                                                                                                               |   | $                  | 7,703          |   |           | $      | 5,853 |   |
| Interest-bearing demand deposits                                                                                                      |   |               | 2,961          |   |           |   | 4,022 |   |
| Cash and cash equivalents                                                                                                             |   |               | 10,664         |   |           |   | 9,875 |   |
|                                                                                                                                  |   |               |           |   |           |   |   |   |
| Available-for-sale securities                                                                                                         |   |               | 131,250        |   |           |   | 119,863 |   |
| Held-to-maturity securities                                                                                                           |   |               | 622            |   |           |   | 698 |   |
| Loans receivable – net of allowance for loan losses of $3,054 and $2,826 at September 30, 2010 and March 31, 2010, respectively |   |               | 239,787        |   |           |   | 247,006 |   |
| Premises and equipment                                                                                                                |   |               | 7,080          |   |           |   | 7,291 |   |
| Federal Home Loan Bank stock                                                                                                          |   |               | 5,025          |   |           |   | 5,025 |   |
| Foreclosed assets held for sale  -  net                                                                           |   |               | 2,538          |   |           |   | 2,888 |   |
| Accrued interest receivable                                                                                                           |   |               | 1,527          |   |           |   | 1,602 |   |
| Bank-owned life insurance                                                                                                             |   |               | 6,878          |   |           |   | 6,754 |   |
| Goodwill                                                                                                                              |   |               | 1,719          |   |           |   | 1,719 |   |
| Other intangible assets                                                                                                               |   |               | 332            |   |           |   | 378 |   |
| Prepaid Federal Deposit Insurance Corporation premiums                                                                                |   |               | 1,315          |   |           |   | 1,541 |   |
| Other assets                                                                                                                          |   |               | 1,877          |   |           |   | 1,222 |   |
| Prepaid federal income taxes                                                                                                          |   |               | 13             |   |           |   | 170 |   |
| Total assets                                                                                                                          |   | $                  | 410,627        |   |           | $      | 406,032 |   |
|                                                                                                                                  |   |               |           |   |           |   |   |   |
| LIABILITIES AND STOCKHOLDERS’ EQUITY                                                                                            |   |               |           |   |           |   |   |   |
| Liabilities                                                                                                                           |   |               |           |   |           |   |   |   |
| Deposits                                                                                                                              |   |               |           |   |           |   |   |   |
| Demand                                                                                                                                |   | $                  | 57,766         |   |           | $      | 57,106 |   |
| Savings and money market                                                                                                              |   |               | 98,103         |   |           |   | 94,589 |   |
| Time                                                                                                                                  |   |               | 159,104        |   |           |   | 160,239 |   |
| Total deposits                                                                                                                        |   |               | 314,973        |   |           |   | 311,934 |   |
|                                                                                                                                  |   |               |           |   |           |   |   |   |
| Other short-term borrowings                                                                                                           |   |               | 7,021          |   |           |   | 7,454 |   |
| Federal Home Loan Bank advances                                                                                                       |   |               | 45,500         |   |           |   | 45,500 |   |
| Accrued interest payable and other liabilities                                                                                        |   |               | 2,827          |   |           |   | 2,818 |   |
| Deferred federal income taxes                                                                                                         |   |               | 1,598          |   |           |   | 1,331 |   |
| Total liabilities                                                                                                                     |   |               | 371,919        |   |           |   | 369,037 |   |
|                                                                                                                                  |   |               |           |   |           |   |   |   |
| 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                                                                                                            |   |               | 36,003         |   |           |   | 36,012 |   |
| Retained earnings                                                                                                                     |   |               | 15,298         |   |           |   | 14,332 |   |
| Shares acquired by ESOP                                                                                                               |   |               | (762           | )      |           |   | (807 | ) |
| Accumulated other comprehensive income, net of tax effects                                                                            |   |               | 2,301          |   |           |   | 1,590 |   |
| Treasury stock, at cost – 974,618 common shares                                                                                 |   |               | (14,530        | )      |           |   | (14,530 | ) |
| Total stockholders’ equity                                                                                                      |   |               | 38,708         |   |           |   | 36,995 |   |
| Total liabilities and stockholders’ equity                                                                                      |   | $                  | 410,627        |   |           | $      | 406,032 |   |

----

Index

Wayne 

|                                                        |   | Six monthsendedSeptember 30, |    |   | Three monthsendedSeptember 30, |   |
|-------------------------------------------------------------|--------|------------------------------|---------|--------|--------------------------------|--------|
|                                                        |   | 2010                         |    |   | 2009                           |   |   | 2010 |   |   | 2009 |   |
| Interest and Dividend Income                                |   |                         |    |   |                           |   |   |   |   |   |   |   |
| Loans                                                       |   | $                            | 6,763   |   |                           | $      | 7,314 |   |   | $ | 3,329 |   |   | $ | 3,632 |   |
| Securities                                                  |   |                         | 2,430   |   |                           |   | 2,781 |   |   |   | 1,214 |   |   |   | 1,378 |   |
| Dividends on Federal Home Loan Bank stock and other         |   |                         | 115     |   |                           |   | 122 |   |   |   | 58 |   |   |   | 65 |   |
| Total interest and dividend income                          |   |                         | 9,308   |   |                           |   | 10,217 |   |   |   | 4,601 |   |   |   | 5,075 |   |
|                                                        |   |                         |    |   |                           |   |   |   |   |   |   |   |   |   |   |   |
| Interest Expense                                            |   |                         |    |   |                           |   |   |   |   |   |   |   |   |   |   |   |
| Deposits                                                    |   |                         | 1,970   |   |                           |   | 2,621 |   |   |   | 958 |   |   |   | 1,239 |   |
| Other short-term borrowings                                 |   |                         | 15      |   |                           |   | 19 |   |   |   | 8 |   |   |   | 9 |   |
| Federal Home Loan Bank advances                             |   |                         | 817     |   |                           |   | 995 |   |   |   | 401 |   |   |   | 493 |   |
| Total interest expense                                      |   |                         | 2,802   |   |                           |   | 3,635 |   |   |   | 1,367 |   |   |   | 1,741 |   |
|                                                        |   |                         |    |   |                           |   |   |   |   |   |   |   |   |   |   |   |
| Net Interest Income                                         |   |                         | 6,506   |   |                           |   | 6,582 |   |   |   | 3,234 |   |   |   | 3,334 |   |
|                                                        |   |                         |    |   |                           |   |   |   |   |   |   |   |   |   |   |   |
| Provision for Loan Losses                                   |   |                         | 310     |   |                           |   | 545 |   |   |   | 120 |   |   |   | 380 |   |
|                                                        |   |                         |    |   |                           |   |   |   |   |   |   |   |   |   |   |   |
| Net Interest Income After Provision for Loan Losses         |   |                         | 6,196   |   |                           |   | 6,037 |   |   |   | 3,114 |   |   |   | 2,954 |   |
|                                                        |   |                         |    |   |                           |   |   |   |   |   |   |   |   |   |   |   |
| Noninterest Income                                          |   |                         |    |   |                           |   |   |   |   |   |   |   |   |   |   |   |
| Gain on loan sales                                          |   |                         | 123     |   |                           |   | 113 |   |   |   | 56 |   |   |   | 50 |   |
| Gain (loss) on sale of foreclosed assets held for sale      |   |                         | 14      |   |                           |   | (11 | ) |   |   | — |   |   |   | — |   |
| Trust income                                                |   |                         | 96      |   |                           |   | 89 |   |   |   | 48 |   |   |   | 52 |   |
| Earnings on bank-owned life insurance                       |   |                         | 116     |   |                           |   | 115 |   |   |   | 58 |   |   |   | 58 |   |
| Service fees, charges and other operating                   |   |                         | 630     |   |                           |   | 696 |   |   |   | 325 |   |   |   | 352 |   |
| Total noninterest income                                    |   |                         | 979     |   |                           |   | 1,002 |   |   |   | 487 |   |   |   | 512 |   |
|                                                        |   |                         |    |   |                           |   |   |   |   |   |   |   |   |   |   |   |
| Noninterest Expense                                         |   |                         |    |   |                           |   |   |   |   |   |   |   |   |   |   |   |
| Salaries and employee benefits                              |   |                         | 3,012   |   |                           |   | 2,872 |   |   |   | 1,488 |   |   |   | 1,443 |   |
| Net occupancy and equipment expense                         |   |                         | 885     |   |                           |   | 938 |   |   |   | 433 |   |   |   | 473 |   |
| Federal deposit insurance premiums                          |   |                         | 245     |   |                           |   | 457 |   |   |   | 123 |   |   |   | 118 |   |
| Franchise taxes                                             |   |                         | 173     |   |                           |   | 176 |   |   |   | 86 |   |   |   | 88 |   |
| Provision for impairment on foreclosed assets held for sale |   |                         | 76      |   |                           |   | 50 |   |   |   | 30 |   |   |   | 50 |   |
| Loss on disposal of office premises and equipment           |   |                         | — |   |                           |   | 4 |   |   |   | — |   |   |   | 4 |   |
| Amortization of intangible assets                           |   |                         | 46      |   |                           |   | 48 |   |   |   | 22 |   |   |   | 23 |   |
| Other                                                       |   |                         | 1,018   |   |                           |   | 953 |   |   |   | 532 |   |   |   | 405 |   |
| Total noninterest expense                                   |   |                         | 5,455   |   |                           |   | 5,498 |   |   |   | 2,714 |   |   |   | 2,604 |   |
|                                                        |   |                         |    |   |                           |   |   |   |   |   |   |   |   |   |   |   |
| Income Before Federal Income Taxes                          |   |                         | 1,720   |   |                           |   | 1,541 |   |   |   | 887 |   |   |   | 862 |   |
|                                                        |   |                         |    |   |                           |   |   |   |   |   |   |   |   |   |   |   |
| Provision for Federal Income Taxes                          |   |                         | 403     |   |                           |   | 357 |   |   |   | 213 |   |   |   | 210 |   |
|                                                        |   |                         |    |   |                           |   |   |   |   |   |   |   |   |   |   |   |
| Net Income                                                  |   | $                            | 1,317   |   |                           | $      | 1,184 |   |   | $ | 674 |   |   | $ | 652 |   |
|                                                        |   |                         |    |   |                           |   |   |   |   |   |   |   |   |   |   |   |
| Basic Earnings Per Share                                    |   | $                            | 0.45    |   |                           | $      | 0.41 |   |   | $ | 0.23 |   |   | $ | 0.23 |   |
|                                                        |   |                         |    |   |                           |   |   |   |   |   |   |   |   |   |   |   |
| Diluted Earnings Per Share                                  |   | $                            | 0.45    |   |                           | $      | 0.41 |   |   | $ | 0.23 |   |   | $ | 0.23 |   |
|                                                        |   |                         |    |   |                           |   |   |   |   |   |   |   |   |   |   |   |
| Dividends Per Share                                         |   | $                            | 0.12    |   |                           | $      | 0.10 |   |   | $ | 0.06 |   |   | $ | 0.05 |   |

----

Index

Wayne 

|                                                                                                                    |   | Six monthsEndedSeptember 30, |   |   | Three months endedSeptember 30, |   |
|-------------------------------------------------------------------------------------------------------------------------|--------|------------------------------|--------|--------|--------------------------------------|--------|
|                                                                                                                    |   | 2010                         |   |   | 2009                                 |   |   | 2010 |   |   | 2009 |   |
| Net Income                                                                                                              |   | $                            | 1,317  |   |                                 | $      | 1,184 |   |   | $ | 674 |   |   | $ | 652 |   |
| Other comprehensive income:                                                                                             |   |                         |   |   |                                 |   |   |   |   |   |   |   |   |   |   |   |
| Unrealized holding gains on securities, net of related taxes of $366, $615, $110 and $537 during the respective periods |   |                         | 711    |   |                                 |   | 1,193 |   |   |   | 214 |   |   |   | 1,043 |   |
| Comprehensive income                                                                                                    |   | $                            | 2,028  |   |                                 | $      | 2,377 |   |   | $ | 888 |   |   | $ | 1,695 |   |
| Accumulated other comprehensive income                                                                                  |   | $                            | 2,301  |   |                                 | $      | 1,883 |   |   | $ | 2,301 |   |   | $ | 1,883 |   |

----

Index

Wayne 

|                                                       |   | 2010   |    |   | 2009   |   |
|------------------------------------------------------------|--------|--------|---------|--------|--------|--------|
|                                                       |   |   |    |   |   |   |
| Operating Activities                                       |   |   |    |   |   |   |
| Net income                                                 |   | $      | 1,317   |   |   | $      | 1,184 |   |
| Items not requiring (providing) cash                       |   |   |    |   |   |   |   |   |
| Depreciation and amortization                              |   |   | 271     |   |   |   | 293 |   |
| Provision for loan losses                                  |   |   | 310     |   |   |   | 545 |   |
| Amortization of premiums and discounts on securities - net |   |   | 399     |   |   |   | (34 | ) |
| Amortization of mortgage servicing rights                  |   |   | 19      |   |   |   | 21 |   |
| Amortization of deferred loan origination fees             |   |   | (36     | )      |   |   | (56 | ) |
| Amortization of intangible assets                     |   |   | 46      |   |   |   | 48 |   |
| Increase in value of bank owned life insurance             |   |   | (124    | )      |   |   | (124 | ) |
| Amortization expense of stock benefit plan                 |   |   | 36      |   |   |   | 26 |   |
| Loss on real estate acquired through foreclosure           |   |   | 62      |   |   |   | 61 |   |
| Net gain on sale of loans                                  |   |   | (123    | )      |   |   | (113 | ) |
| Proceeds from sale of loans in secondary market            |   |   | 2,972   |   |   |   | 4,310 |   |
| Origination of loans for sale in the secondary market      |   |   | (2,849  | )      |   |   | (4,263 | ) |
| Deferred income taxes                                      |   |   | (99     | )      |   |   | (48 | ) |
| Changes in                                                 |   |   |    |   |   |   |   |   |
| Accrued interest receivable                                |   |   | 75      |   |   |   | 14 |   |
| Other assets                                               |   |   | (291    | )      |   |   | (65 | ) |
| Interest payable and other liabilities                     |   |   | 20      |   |   |   | (395 | ) |
| Net cash provided by operating activities                  |   |   | 2,005   |   |   |   | 1,404 |   |
|                                                       |   |   |    |   |   |   |   |   |
| Investing Activities                                       |   |   |    |   |   |   |   |   |
| Purchase of  available-for-sale securities       |   |   | (30,569 | )      |   |   | (14,817 | ) |
| Proceeds from maturities of available-for-sale securities  |   |   | 19,859  |   |   |   | 20,859 |   |
| Proceeds from maturities of held-to-maturity securities    |   |   | 76      |   |   |   | 143 |   |
| Net change in loans                                        |   |   | 6,600   |   |   |   | (1,677 | ) |
| Purchase of premises and equipment                         |   |   | (60     | )      |   |   | (249 | ) |
| Proceeds from the sale of foreclosed assets                |   |   | 633     |   |   |   | 255 |   |
| Net cash provided by (used in) investing activities        |   |   | (3,461  | )      |   |   | 4,514 |   |

----

Index

|                                                                   |   | 2010   |    |   | 2009   |   |
|------------------------------------------------------------------------|--------|--------|---------|--------|--------|--------|
|                                                                   |   |   |    |   |   |   |
|                                                                   |   |   |    |   |   |   |
| Financing Activities                                                   |   |   |    |   |   |   |
| Net change in deposits                                                 |   | $      | 3,039   |   |   | $      | (8,723 | ) |
| Net change in other short-term borrowings                              |   |   | (433    | )      |   |   | (2,624 | ) |
| Proceeds from Federal Home Loan Bank advances                          |   |   | 10,250  |   |   |   | 17,300 |   |
| Repayments of Federal Home Loan Bank advances                          |   |   | (10,250 | )      |   |   | (12,300 | ) |
| Advances by borrowers for taxes and insurance                          |   |   | (10     | )      |   |   | (40 | ) |
| Cash dividends paid                                                    |   |   | (351    | )      |   |   | (291 | ) |
| Net cash provided by (used in) financing activities                    |   |   | 2,245   |   |   |   | (6,678 | ) |
|                                                                   |   |   |    |   |   |   |   |   |
| Increase (Decrease) in Cash and Cash Equivalents                       |   |   | 789     |   |   |   | (760 | ) |
|                                                                   |   |   |    |   |   |   |   |   |
| Cash and Cash equivalents, Beginning of period                         |   |   | 9,875   |   |   |   | 6,790 |   |
|                                                                   |   |   |    |   |   |   |   |   |
| Cash and Cash equivalents, End of period                               |   | $      | 10,664  |   |   | $      | 6,030 |   |
|                                                                   |   |   |    |   |   |   |   |   |
| Supplemental Cash Flows Information Cash Paid For:                     |   |   |    |   |   |   |   |   |
| Interest on deposits and borrowings                                    |   | $      | 2,847   |   |   | $      | 3,716 |   |
|                                                                   |   |   |    |   |   |   |   |   |
| Federal Income Taxes                                                   |   | $      | 345     |   |   | $      | 375 |   |
|                                                                   |   |   |    |   |   |   |   |   |
| Supplemental Disclosure of Non-Cash Investing and Financing Activities |   |   |    |   |   |   |   |   |
| Transfers from loans to foreclosed assets held for sale                |   | $      | 345     |   |   | $      | 653 |   |
|                                                                   |   |   |    |   |   |   |   |   |
| Unrealized gains on securities designated as available-for-sale,       |   |   |    |   |   |   |   |   |
| net of related tax effects                                             |   | $      | 711     |   |   | $      | 1,193 |   |
|                                                                   |   |   |    |   |   |   |   |   |
| Dividends payable                                                      |   | $      | 180     |   |   | $      | 150 |   |

----

Index

Wayne 

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

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

----

Index

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

|                                                 | For the six months endedSeptember 30, |   | For the three months endedSeptember 30, |
|------------------------------------------------------|---------------------------------------|--------|-----------------------------------------|
|                                                 | 2010                                  |   | 2009                                    |   | 2010 |   | 2009 |
| Weighted-average common shares outstanding (basic)   | 2,921,174                             |   | 2,911,956                               |   | 2,921,174 |   | 2,911,956 |
| Dilutive effect of assumed exercise of stock options | —                               |   | —                                 |   | — |   | — |
| Weighted-average common shares outstanding (diluted) | 2,921,174                             |   | 2,911,956                               |   | 2,921,174 |   | 2,911,956 |

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

----

Index

|                               |   | Six months ended September 30, |           |   | Year ended March 31,      |   |
|------------------------------------|--------|--------------------------------|----------------|--------|--------------------------------|--------|
|                               |   | 2010                           |           |   | 2010                           |   |   | 2009 |   |
|                               |   |   Shares             |           |   | Weighted Average exerciseprice |   |   |   Shares |   |   | Weighted Average exercise price |   |   |   Shares |   |   | Weighted Average exercise price |   |
| Outstanding at beginning of period |   |                           |  94,020   |   |                           | $      |  13.95 |   |   |   |  94,020 |   |   | $ |  13.95 |   |   |   |  104,224 |   |   | $ |  13.95 |   |
| Granted                            |   |                           | –– |   |                           |   | –– |   |   |   | –– |   |   |   | –– |   |   |   | –– |   |   |   | –– |   |
| Exercised                          |   |                           | –– |   |                           |   | –– |   |   |   | –– |   |   |   | –– |   |   |   | –– |   |   |   | –– |   |
| Forfeited                          |   |                           | –– |   |                           |   | –– |   |   |   | — |   |   |   | — |   |   |   | (10,204 | ) |   |   | 13.95 |   |
|                               |   |                           |           |   |                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Outstanding at end of period       |   |                           |  94,020   |   |                           | $      |  13.95 |   |   |   |  94,020 |   |   | $ |  13.95 |   |   |   |  94,020 |   |   | $ |  13.95 |   |
|                               |   |                           |           |   |                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Options exercisable at period-end  |   |                           |  94,020   |   |                           | $      |  13.95 |   |   |   |  94,020 |   |   | $ |  13.95 |   |   |   |  94,020 |   |   | $ |  13.95 |   |

| Number outstanding                                  |   |       | 94,020 |   |
|-----------------------------------------------------|--------|------------|--------|--------|
| Exercise price on all remaining options outstanding |   | $          | 13.95  |   |
| Weighted-average remaining contractual life         |   | 3.50 years |   |

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

----

Index

|                     |   | Actual                 |   |   | For Capital Adequacy Purposes |   |   | To Be Well Capitalized Under Prompt CorrectiveAction Provisions |   |
|--------------------------|--------|------------------------|--------|--------|-------------------------------|--------|--------|-----------------------------------------------------------------|--------|
|                     |   | Amount                 |   |   | Ratio                         |   |   | Amount                                                          |   |   | Ratio |   |   | Amount |   |   | Ratio |   |
|                     |   | (Dollars in thousands) |   |
| As of September 30, 2010 |   |                   |   |   |                          |   |   |                                                            |   |   |   |   |   |   |   |   |   |   |
| Tangible capital         |   | $                      | 33,471 |   |                          |   | 8.3    | %                                                               |   | $ | 6,072 |   |   |   | 1.5 | % |   | $ | 20,240 |   |   |   | 5.0 | % |
| Core capital             |   |                   | 33,471 |   |                          |   | 8.3    |                                                            |   |   | 16,192 |   |   |   | 4.0 |   |   |   | 24,288 |   |   |   | 6.0 |   |
| Risk-based capital       |   |                   | 35,865 |   |                          |   | 14.8   |                                                            |   |   | 19,384 |   |   |   | 8.0 |   |   |   | 24,230 |   |   |   | 10.0 |   |
|                     |   |                   |   |   |                          |   |   |                                                            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| As of March 31, 2010     |   |                   |   |   |                          |   |   |                                                            |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Tangible capital         |   | $                      | 32,397 |   |                          |   | 8.1    | %                                                               |   | $ | 6,019 |   |   |   | 1.5 | % |   | $ | 20,062 |   |   |   | 5.0 | % |
| Core capital             |   |                   | 32,397 |   |                          |   | 8.1    |                                                            |   |   | 16,050 |   |   |   | 4.0 |   |   |   | 24,075 |   |   |   | 6.0 |   |
| Risk-based capital       |   |                   | 34,685 |   |                          |   | 14.2   |                                                            |   |   | 19,517 |   |   |   | 8.0 |   |   |   | 24,396 |   |   |   | 10.0 |   |

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

----

Index

----

Index

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

|                                                        |   | Amortized Cost |    |   | Gross Unrealized Gains |   |   | Gross Unrealized Losses |   |   | Approximate Fair Value |   |
|-------------------------------------------------------------|--------|----------------|---------|--------|------------------------|--------|--------|-------------------------|--------|--------|------------------------|--------|
|                                                        |   | (In thousands) |    |
| Available-for-sale Securities:                              |   |           |    |   |                   |   |   |                    |   |   |                   |   |
| September 30, 2010:                                         |   |           |    |   |                   |   |   |                    |   |   |                   |   |
| U.S. government agencies                                    |   | $              | 2,213   |   |                   | $      | 116    |                    |   | $      | 1                      |   |   | $ | 2,328 |   |
| Mortgage-backed securities of government sponsored entities |   |           | 98,990  |   |                   |   | 3,083  |                    |   |   | 31                     |   |   |   | 102,042 |   |
| Private-label collateralized mortgage obligations           |   |           | 2,893   |   |                   |   | 45     |                    |   |   | 36                     |   |   |   | 2,902 |   |
| State and political subdivisions                            |   |           | 23,003  |   |                   |   | 991    |                    |   |   | 16                     |   |   |   | 23,978 |   |
|                                                        |   |           |    |   |                   |   |   |                    |   |   |                   |   |   |   |   |   |
| Totals                                                      |   | $              | 127,099 |   |                   | $      | 4,235  |                    |   | $      | 84                     |   |   | $ | 131,250 |   |
|                                                        |   |           |    |   |                   |   |   |                    |   |   |                   |   |   |   |   |   |
| March 31, 2010:                                             |   |           |    |   |                   |   |   |                    |   |   |                   |   |   |   |   |   |
| U.S. government agencies                                    |   | $              | 2,489   |   |                   | $      | 122    |                    |   | $      | 1                      |   |   | $ | 2,610 |   |
| Mortgage-backed securities of government sponsored entities |   |           | 90,146  |   |                   |   | 2,938  |                    |   |   | 134                    |   |   |   | 92,950 |   |
| Private-label collateralized mortgage obligations           |   |           | 3,659   |   |                   |   | 8      |                    |   |   | 216                    |   |   |   | 3,451 |   |
| State and political subdivisions                            |   |           | 20,495  |   |                   |   | 464    |                    |   |   | 107                    |   |   |   | 20,852 |   |
|                                                        |   |           |    |   |                   |   |   |                    |   |   |                   |   |   |   |   |   |
| Totals                                                      |   | $              | 116,789 |   |                   | $      | 3,532  |                    |   | $      | 458                    |   |   | $ | 119,863 |   |

----

Index

|                                                        |   | Amortized Cost |   |   | Gross Unrealized Gains |   |           | Gross Unrealized Losses |   |   | Approximate Fair Value |   |
|-------------------------------------------------------------|--------|----------------|--------|--------|------------------------|--------|----------------|-------------------------|--------|--------|------------------------|--------|
|                                                        |   | (In thousands) |   |
| Held-to-maturity Securities:                                |   |           |   |   |                   |   |           |                    |   |   |                   |   |
| September 30, 2010:                                         |   |           |   |   |                   |   |           |                    |   |   |                   |   |
| U.S. government agencies                                    |   | $              | 158    |   |                   | $      | –– |                    |   | $      | 1                      |   |   | $ | 157 |   |
| Mortgage-backed securities of government sponsored entities |   |           | 436    |   |                   |   | 14             |                    |   |   | ––         |   |   |   | 450 |   |
| State and political subdivisions                            |   |           | 28     |   |                   |   | 2              |                    |   |   | ––         |   |   |   | 30 |   |
|                                                        |   |           |   |   |                   |   |           |                    |   |   |                   |   |   |   |   |   |
|                                                        |   | $              | 622    |   |                   | $      | 16             |                    |   | $      | 1                      |   |   | $ | 637 |   |
| March 31, 2010:                                             |   |           |   |   |                   |   |           |                    |   |   |                   |   |   |   |   |   |
| U.S. government agencies                                    |   | $              | 162    |   |                   | $      | –– |                    |   | $      | 1                      |   |   | $ | 161 |   |
| Mortgage-backed securities of government sponsored entities |   |           | 500    |   |                   |   | 11             |                    |   |   | ––         |   |   |   | 511 |   |
| State and political subdivisions                            |   |           | 36     |   |                   |   | 3              |                    |   |   | ––         |   |   |   | 39 |   |
|                                                        |   |           |   |   |                   |   |           |                    |   |   |                   |   |   |   |   |   |
|                                                        |   | $              | 698    |   |                   | $      | 14             |                    |   | $      | 1                      |   |   | $ | 711 |   |

----

Index

|                                                        |   | Available-for-sale |    |   | Held-to-maturity |   |
|-------------------------------------------------------------|--------|--------------------|---------|--------|------------------|--------|
|                                                        |   | AmortizedCost      |    |   | FairValue        |   |   | AmortizedCost |   |   | FairValue |   |
|                                                        |   | (In thousands)     |    |
|                                                        |   |               |    |   |             |   |   |   |   |   |   |   |
| One to five years                                           |   | $                  | 2,844   |   |             | $      | 2,963 |   |   | $ | 28 |   |   | $ | 30 |   |
| Five to ten years                                           |   |               | 5,530   |   |             |   | 5,914 |   |   |   | –– |   |   |   | –– |   |
| After ten years                                             |   |               | 16,842  |   |             |   | 17,429 |   |   |   | 158 |   |   |   | 157 |   |
|                                                        |   |               |    |   |             |   |   |   |   |   |   |   |   |   |   |   |
|                                                        |   |               | 25,216  |   |             |   | 26,306 |   |   |   | 186 |   |   |   | 187 |   |
|                                                        |   |               |    |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Mortgage-backed securities of government sponsored entities |   |               | 98,990  |   |             |   | 102,042 |   |   |   | 436 |   |   |   | 450 |   |
| Private-label collateralized mortgage obligations           |   |               | 2,893   |   |             |   | 2,902 |   |   |   | — |   |   |   | — |   |
|                                                        |   |               |    |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Totals                                                      |   | $                  | 127,099 |   |             | $      | 131,250 |   |   | $ | 622 |   |   | $ | 637 |   |

----

Index

| September 30, 2010                                          |   |
|-------------------------------------------------------------|--------|
|                                                        |   |
|                                                        |   | 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                                    |   | $ | — |   |   | $ | — |   |   | $ | 339 |   |   | $ | 2 |   |   | $ | 339 |   |   | $ | 2 |   |
| Mortgage-backed securities of government sponsored entities |   |   | 8,648 |   |   |   | 31 |   |   |   | — |   |   |   | — |   |   |   | 8,648 |   |   |   | 31 |   |
| Private-label collateralized mortgage obligations           |   |   | 753 |   |   |   | 36 |   |   |   | — |   |   |   | — |   |   |   | 753 |   |   |   | 36 |   |
| State and political subdivisions                            |   |   | — |   |   |   |  — |   |   |   | 771 |   |   |   | 16 |   |   |   | 771 |   |   |   |  16 |   |
| Total temporarily impaired securities                       |   | $ | 9,401 |   |   | $ | 67 |   |   | $ | 1,110 |   |   | $ | 18 |   |   | $ | 10,511 |   |   | $ | 85 |   |

| March 31, 2010                                              |   |
|-------------------------------------------------------------|--------|
|                                                        |   |
|                                                        |   | 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                                    |   | $ | — |   |   | $ | — |   |   | $ | 349 |   |   | $ | 2 |   |   | $ | 349 |   |   | $ | 2 |   |
| Mortgage-backed securities of government sponsored entities |   |   | 21,282 |   |   |   | 134 |   |   |   | — |   |   |   | — |   |   |   | 21,282 |   |   |   | 134 |   |
| Private-label collateralized mortgage obligations           |   |   | 3,129 |   |   |   | 216 |   |   |   | — |   |   |   | — |   |   |   | 3,129 |   |   |   | 216 |   |
| State and political subdivisions                            |   |   | 6,628 |   |   |   |  95 |   |   |   | 433 |   |   |   | 12 |   |   |   | 7,061 |   |   |   |  107 |   |
| Total temporarily impaired securities                       |   | $ | 31,039 |   |   | $ | 445 |   |   | $ | 782 |   |   | $ | 14 |   |   | $ | 31,821 |   |   | $ | 459 |   |

----

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 Prices in Active Markets for Identical Assets(Level 1) |   |   | Significant Other Observable Inputs(Level 2) |   |   | Significant Unobservable Inputs(Level 3) |   |
|                                                        |   | (In thousands) |    |
| September 30, 2010                                          |   |           |    |   |                                                          |   |   |   |   |   |   |   |
| U.S. government agencies                                    |   | $              | 2,328   |   |                                                          | $      | –– |   |   | $ | 2,328 |   |   | $ | –– |   |
| Mortgage-backed securities of government sponsored entities |   |           | 102,042 |   |                                                          |   | –– |   |   |   | 102,042 |   |   |   | –– |   |
| Private-label collateralized mortgage obligations           |   |           | 2,902   |   |                                                          |   | — |   |   |   | 2,902 |   |   |   | — |   |
| State and political subdivisions                            |   | $              | 23,978  |   |                                                          | $      | –– |   |   | $ | 23,978 |   |   | $ | –– |   |
|                                                        |   |           |    |   |                                                          |   |   |   |   |   |   |   |   |   |   |   |
|                                                        |   |           |    |   |                                                          |   |   |   |   |   |   |   |   |   |   |   |
| March 31, 2010                                              |   |           |    |   |                                                          |   |   |   |   |   |   |   |   |   |   |   |
| U.S. government agencies                                    |   | $              | 2,610   |   |                                                          | $      | –– |   |   | $ | 2,610 |   |   | $ | –– |   |
| Mortgage-backed securities of government sponsored entities |   |           | 92,950  |   |                                                          |   | –– |   |   |   | 92,950 |   |   |   | –– |   |
| Private-label collateralized mortgage obligations           |   |           | 3,451   |   |                                                          |   | — |   |   |   | 3,451 |   |   |   | — |   |
| State and political subdivisions                            |   | $              | 20,852  |   |                                                          | $      | –– |   |   | $ | 20,852 |   |   | $ | –– |   |

----

Index

|               |   |           |   |   | Fair Value Measurements Using                                 |   |
|--------------------|--------|----------------|--------|--------|---------------------------------------------------------------|--------|
|               |   | Fair Value     |   |   | Quoted Prices in Active Markets for Identical Assets(Level 1) |   |   | Significant Other Observable Inputs(Level 2) |   |   | Significant Unobservable Inputs(Level 3) |   |
|               |   | (In thousands) |   |
| September 30, 2010 |   |           |   |   |                                                          |   |   |   |   |   |   |   |
| Impaired loans     |   | $              | 190    |   |                                                          | $      | –– |   |   | $ | –– |   |   | $ | 190 |   |
| Foreclosed assets  |   |           | 137    |   |                                                          |   | –– |   |   |   | –– |   |   |   | 137 |   |
| March 31, 2010     |   |           |   |   |                                                          |   |   |   |   |   |   |   |   |   |   |   |
| Impaired loans     |   | $              | 3,738  |   |                                                          | $      | –– |   |   | $ | –– |   |   | $ | 3,738 |   |
| Foreclosed assets  |   |           | 2,888  |   |                                                          |   | –– |   |   |   | –– |   |   |   | 2,888 |   |

----

Index

|                                            |   | September 30, 2010 |    |   | March 31, 2010 |   |
|-------------------------------------------------|--------|--------------------|---------|--------|----------------|--------|
|                                            |   | Carrying Amount    |    |   | Fair Value     |   |   | Carrying Amount |   |   | Fair Value |   |
|                                            |   |               |    |   |           |   |   |   |   |   |   |   |
| Financial assets                                |   |               |    |   |           |   |   |   |   |   |   |   |
| Cash and cash equivalents                       |   | $                  | 10,664  |   |           | $      | 10,664 |   |   | $ | 9,875 |   |   | $ | 9,875 |   |
| Available-for-sale securities                   |   |               | 131,250 |   |           |   | 131,250 |   |   |   |  119,863 |   |   |   |  119,863 |   |
| Held-to-maturity securities                     |   |               | 622     |   |           |   | 637 |   |   |   |  698 |   |   |   |  711 |   |
| Loans, net of allowance for loan losses         |   |               | 239,787 |   |           |   | 248,263 |   |   |   | 247,006 |   |   |   | 252,806 |   |
| Federal Home Loan Bank stock                    |   |               | 5,025   |   |           |   | 5,025 |   |   |   | 5,025 |   |   |   | 5,025 |   |
| Interest receivable                             |   |               | 1,527   |   |           |   | 1,527 |   |   |   | 1,602 |   |   |   | 1,602 |   |
|                                            |   |               |    |   |           |   |   |   |   |   |   |   |   |   |   |   |
| Financial liabilities                           |   |               |    |   |           |   |   |   |   |   |   |   |   |   |   |   |
| Deposits                                        |   |               | 314,973 |   |           |   | 315,316 |   |   |   | 311,934 |   |   |   | 306,778 |   |
| Other short-term borrowings                     |   |               | 7,021   |   |           |   | 7,021 |   |   |   | 7,454 |   |   |   | 7,454 |   |
| Federal Home Loan Bank advances                 |   |               | 45,500  |   |           |   | 46,865 |   |   |   | 45,500 |   |   |   | 46,419 |   |
| Advances from borrowers for taxes and insurance |   |               | 528     |   |           |   | 528 |   |   |   | 539 |   |   |   | 539 |   |
| Interest payable                                |   |               | 168     |   |           |   | 168 |   |   |   | 213 |   |   |   | 213 |   |
|                                            |   |               |    |   |           |   |   |   |   |   |   |   |   |   |   |   |

----

Index

----

Index

Wayne 

----

Index

|                                |   | September 30, 2010     |    |   | March 31, 2010 |   |
|-------------------------------------|--------|------------------------|---------|--------|----------------|--------|
|                                |   | (Dollars in thousands) |    |
| Mortgage loans:                     |   |                   |    |   |           |   |   |   |   |   |   |   |
| One-to-four family residential(1)   |   | $                      | 159,513 |   |           |   | 65.27 | % |   | $ | 159,140 |   |   |   | 62.96 | % |
| Residential construction loans      |   |                   | 552     |   |           |   | 0.23 |   |   |   | 2,097 |   |   |   | 0.83 |   |
| Multi-family residential            |   |                   | 8,807   |   |           |   | 3.60 |   |   |   | 9,010 |   |   |   | 3.56 |   |
| Non-residential real estate/land(2) |   |                   | 64,831  |   |           |   | 26.53 |   |   |   | 70,167 |   |   |   | 27.76 |   |
| Total mortgage loans                |   |                   | 233,703 |   |           |   | 95.63 |   |   |   | 240,415 |   |   |   | 95.11 |   |
| Other loans:                        |   |                   |    |   |           |   |   |   |   |   |   |   |   |   |   |   |
| Consumer loans(3)                   |   |                   | 2,804   |   |           |   | 1.15 |   |   |   | 3,402 |   |   |   | 1.35 |   |
| Commercial business loans           |   |                   | 7,875   |   |           |   | 3.22 |   |   |   | 8,943 |   |   |   | 3.54 |   |
| Total other loans                   |   |                   | 10,679  |   |           |   | 4.37 |   |   |   | 12,345 |   |   |   | 4.89 |   |
| Total loans before net items        |   |                   | 244,382 |   |           |   | 100.00 | % |   |   | 252,760 |   |   |   | 100.00 | % |
| Less:                               |   |                   |    |   |           |   |   |   |   |   |   |   |   |   |   |   |
| Loans in process                    |   |                   | 1,127   |   |           |   |   |   |   |   | 2,507 |   |   |   |   |   |
| Deferred loan origination fees      |   |                   | 414     |   |           |   |   |   |   |   | 421 |   |   |   |   |   |
| Allowance for loan losses           |   |                   | 3,054   |   |           |   |   |   |   |   | 2,826 |   |   |   |   |   |
| Total loans receivable, net         |   | $                      | 239,787 |   |           |   |   |   |   | $ | 247,006 |   |   |   |   |   |
| Mortgage-backed securities, net(4)  |   | $                      | 105,380 |   |           |   |   |   |   | $ | 96,901 |   |   |   |   |   |

| (1) | Includes equity loans collateralized by second mortgages in the aggregate amount of $16.6 million at September 30, 2010, and $16.5 million at March 31, 2010.  Such loans have been underwritten on substantially the same basis as the Company’s first mortgage loans. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (2) | Includes land loans of $2.2 million and $2.7 million at September 30, 2010 and  March 31, 2010, respectively. |
|-----|-------------------------------------------------------------------------------------------------------------------------|

| (3) | Includes second mortgage loans of $1.0 million and $1.1 million as of September 30, 2010 and  March 31, 2010, respectively. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------|

| (4) | Includes mortgage-backed securities and collateralized mortgage obligations designated as available-for-sale. |
|-----|---------------------------------------------------------------------------------------------------------------|

----

Index

|                                                            |   | September 30,2010      |    |   | March 31,2010 |   |
|-----------------------------------------------------------------|--------|------------------------|---------|--------|---------------|--------|
|                                                            |   | (Dollars in thousands) |    |
| Past due loans 30-89 days:                                      |   |                   |    |   |          |   |
| Mortgage loans:                                                 |   |                   |    |   |          |   |
| One-to-four family residential                                  |   | $                      | 568     |   |          | $      | 260 |   |
| All other mortgage loans                                        |   |                   | 661     |   |          |   | 3,255 |   |
| Non-mortgage loans:                                             |   |                   |    |   |          |   |   |   |
| Commercial business loans                                       |   |                   | 102     |   |          |   | — |   |
| Consumer loans                                                  |   |                   | — |   |          |   | — |   |
|                                                            |   | $                      | 1,331   |   |          | $      | 3,515 |   |
|                                                            |   |                   |    |   |          |   |   |   |
| Non-performing loans:                                           |   |                   |    |   |          |   |   |   |
| Mortgage loans:                                                 |   |                   |    |   |          |   |   |   |
| One-to-four family residential                                  |   | $                      | 3,344   |   |          | $      | 2,805 |   |
| All other mortgage loans                                        |   |                   | 1,511   |   |          |   | 1,511 |   |
| Non-mortgage loans:                                             |   |                   |    |   |          |   |   |   |
| Commercial business loans                                       |   |                   | — |   |          |   | — |   |
| Consumer                                                        |   |                   | 6       |   |          |   | 3 |   |
| Total non-performing loans(1)                                   |   |                   | 4,861   |   |          |   | 4,319 |   |
| Loans deemed impaired(2)                                        |   |                   | 2,569   |   |          |   | 2,185 |   |
| Total non-performing and impaired loans                         |   |                   | 7,430   |   |          |   | 6,504 |   |
| Total foreclosed assets held for sale                           |   |                   | 2,538   |   |          |   | 2,888 |   |
| Total non-performing and impaired assets                        |   | $                      | 9,968   |   |          | $      | 9,392 |   |
|                                                            |   |                   |    |   |          |   |   |   |
| Total non-performing and impaired loans to net loans receivable |   |                   | 3.10    | %      |          |   | 2.63 | % |
| Total non-performing and impaired loans to total assets         |   |                   | 1.81    | %      |          |   | 1.60 | % |
| Total non-performing and impaired assets to total assets        |   |                   | 2.43    | %      |          |   | 2.31 | % |

|   | (1) | Nonperforming loans include $3.1 million and $1.4 million which are deemed impaired at September 30, 2010 and March 31, 2010, respectively. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Includes loans deemed impaired of $980,000 at September 30, 2010, and $778,000 at March 31, 2010, that are currently performing. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------|

----

Index

|                                                                               |   | For the sixmonths endedSeptember 30, 2010 |    |   | For theyear endedMarch 31,2010 |   |
|------------------------------------------------------------------------------------|--------|-------------------------------------------|---------|--------|--------------------------------|--------|
|                                                                               |   |                                      |    |   |                           |   |
|                                                                               |   | (Dollars in thousands)                    |    |
|                                                                               |   |                                      |    |   |                           |   |
| Loans receivable, gross                                                            |   | $                                         | 242,841 |   |                           | $      | 249,832 |   |
| Average loans receivable, net                                                      |   | $                                         | 246,620 |   |                           | $      | 252,020 |   |
| Allowance balance (at beginning of period)                                         |   | $                                         | 2,826   |   |                           | $      | 2,484 |   |
| Provision for losses                                                               |   |                                      | 310     |   |                           |   | 1,643 |   |
| Charge-offs:                                                                       |   |                                      |    |   |                           |   |   |   |
| Mortgage loans:                                                                    |   |                                      |    |   |                           |   |   |   |
| One-to-four family                                                                 |   |                                      | (78     | )      |                           |   | (452 | ) |
| Non-residential real estate and land                                               |   |                                      | (5      | )      |                           |   | (830 | ) |
| Other loans:                                                                       |   |                                      |    |   |                           |   |   |   |
| Consumer                                                                           |   |                                      | — |   |                           |   | — |   |
| Commercial                                                                         |   |                                      | — |   |                           |   | (148 | ) |
| Gross charge-offs                                                                  |   |                                      | (83     | )      |                           |   | (1,330 | ) |
| Recoveries:                                                                        |   |                                      |    |   |                           |   |   |   |
| Mortgage                                                                           |   |                                      | — |   |                           |   | 28 |   |
| Consumer                                                                           |   |                                      | 1       |   |                           |   | 1 |   |
| Gross recoveries                                                                   |   |                                      | 1       |   |                           |   | 29 |   |
| Net charge-offs                                                                    |   |                                      | (82     | )      |                           |   | (1,301 | ) |
|                                                                               |   |                                      |    |   |                           |   |   |   |
| Allowance for loan losses balance (at end of period)                               |   | $                                         | 3,054   |   |                           | $      | 2,826 |   |
| Allowance for loan losses as a percent of loans receivable, gross at end of period |   |                                      | 1.26    | %      |                           |   | 1.13 | % |
| Net loans charged off as a percent of average loans receivable, net                |   |                                      | 0.03    | %      |                           |   | 0.52 | % |
| Ratio of allowance for loan losses to non-performing loans at end of period        |   |                                      | 62.83   | %      |                           |   | 65.43 | % |

----

Index

----

Index

|                                                                                        |   | For the three months ended September 30, |    |
|---------------------------------------------------------------------------------------------|--------|------------------------------------------|---------|
|                                                                                        |   | 2010                                     |    |   | 2009 |   |
|                                                                                        |   | Average Balance                          |    |   | Interest |   |   | AverageRate |   |   | Average Balance |   | Interest |   | Average Rate |   |
|                                                                                        |   | (Dollars in thousands)                   |    |
| Interest-earning assets:                                                                    |   |                                     |    |
| Loans receivable, net(1)                                                                    |   | $                                        | 241,765 |   |   | $ | 3,329 |   |   |   | 5.51 | % |   | $ | 253,295 |   |   | $ | 3,632 |   |   |   | 5.74 | % |
| Investment securities(2)                                                                    |   |                                     | 129,805 |   |   |   | 1,214 |   |   |   | 3.74 |   |   |   | 114,532 |   |   |   | 1,378 |   |   |   | 4.81 |   |
| Interest-earning deposits(3)                                                                |   |                                     | 13,543  |   |   |   | 58 |   |   |   | 1.71 |   |   |   | 10,966 |   |   |   | 65 |   |   |   | 2.37 |   |
| Total interest-earning assets                                                               |   |                                     | 385,113 |   |   |   | 4,601 |   |   |   | 4.78 |   |   |   | 378,793 |   |   |   | 5,075 |   |   |   | 5.36 |   |
| Noninterest-earning assets                                                                  |   |                                     | 25,208  |   |   |   |   |   |   |   |   |   |   |   | 23,254 |   |   |   |   |   |   |   |   |   |
|                                                                                        |   |                                     |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total assets                                                                                |   | $                                        | 410,321 |   |   |   |   |   |   |   |   |   |   | $ | 402,047 |   |   |   |   |   |   |   |   |   |
|                                                                                        |   |                                     |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing liabilities:                                                               |   |                                     |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Deposits                                                                                    |   | $                                        | 315,966 |   |   | $ | 958 |   |   |   | 1.21 | % |   | $ | 305,283 |   |   | $ | 1,239 |   |   |   | 1.62 | % |
| Other short-term borrowings                                                                 |   |                                     | 7,485   |   |   |   | 8 |   |   |   | 0.43 |   |   |   | 8,884 |   |   |   | 9 |   |   |   | 0.41 |   |
| Borrowings                                                                                  |   |                                     | 44,075  |   |   |   | 401 |   |   |   | 3.64 |   |   |   | 47,791 |   |   |   | 493 |   |   |   | 4.13 |   |
| Total interest-bearing liabilities                                                          |   |                                     | 367,526 |   |   |   | 1,367 |   |   |   | 1.49 |   |   |   | 361,958 |   |   |   | 1,741 |   |   |   | 1.92 |   |
|                                                                                        |   |                                     |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Noninterest bearing  liabilities                                                  |   |                                     | 4,145   |   |   |   |   |   |   |   |   |   |   |   | 4,046 |   |   |   |   |   |   |   |   |   |
| Total liabilities                                                                           |   |                                     | 371,671 |   |   |   |   |   |   |   |   |   |   |   | 366,004 |   |   |   |   |   |   |   |   |   |
| Stockholders’ equity                                                                  |   |                                     | 38,650  |   |   |   |   |   |   |   |   |   |   |   | 36,043 |   |   |   |   |   |   |   |   |   |
| Total liabilities and stockholders’ equity                                            |   | $                                        | 410,321 |   |   |   |   |   |   |   |   |   |   | $ | 402,047 |   |   |   |   |   |   |   |   |   |
| Net interest income                                                                         |   |                                     |    |   |   | $ | 3,234 |   |   |   |   |   |   |   |   |   |   | $ | 3,334 |   |   |   |   |   |
| Interest rate spread(4)                                                                     |   |                                     |    |   |   |   |   |   |   |   | 3.29 | % |   |   |   |   |   |   |   |   |   |   | 3.44 | % |
| Net yield on interest-earning assets(5)                                                     |   |                                     |    |   |   |   |   |   |   |   | 3.36 | % |   |   |   |   |   |   |   |   |   |   | 3.52 | % |
| Ratio of average interest-earning assets to average  interest-bearing liabilities |   |                                     |    |   |   |   |   |   |   |   | 104.79 | % |   |   |   |   |   |   |   |   |   |   | 104.65 | % |

| (1) | Includes non-accrual loan balances. |
|-----|-------------------------------------|

| (2) | Includes mortgage-backed securities both designated as available-for-sale and held-to-maturity. |
|-----|-------------------------------------------------------------------------------------------------|

| (3)  | Includes  interest-bearing deposits in other financial institutions. |
|-----------|--------------------------------------------------------------------------------|

| (4)  | Interest rate spread represents the difference between the average yield on interest-earning assets and the average cost of interest-bearing liabilities. |
|-----------|-----------------------------------------------------------------------------------------------------------------------------------------------------------|

| (5)  | Net yield on interest-earning assets represents net interest income as a percentage of average interest-earning assets. |
|-----------|-------------------------------------------------------------------------------------------------------------------------|

----

Index

----

Index

----

Index

----

Index

|                                                                                        |   | For the six months ended September 30, |    |
|---------------------------------------------------------------------------------------------|--------|----------------------------------------|---------|
|                                                                                        |   | 2010                                   |    |   | 2009 |   |
|                                                                                        |   | Average Balance                        |    |   | Interest |   |   | AverageRate |   |   | Average Balance |   | Interest |   | Average Rate |   |
|                                                                                        |   | (Dollars in thousands)                 |    |
| Interest-earning assets:                                                                    |   |                                   |    |
| Loans receivable, net(1)                                                                    |   | $                                      | 246,620 |   |   | $ | 6,763 |   |   |   | 5.48 | % |   | $ | 252,720 |   |   | $ | 7,314 |   |   |   | 5.79 | % |
| Investment securities(2)                                                                    |   |                                   | 126,915 |   |   |   | 2,430 |   |   |   | 3.83 |   |   |   | 115,109 |   |   |   | 2,781 |   |   |   | 4.83 |   |
| Interest-earning deposits(3)                                                                |   |                                   | 13,447  |   |   |   | 115 |   |   |   | 1.71 |   |   |   | 13,052 |   |   |   | 122 |   |   |   | 1.87 |   |
| Total interest-earning assets                                                               |   |                                   | 386,982 |   |   |   | 9,308 |   |   |   | 4.81 |   |   |   | 380,881 |   |   |   | 10,217 |   |   |   | 5.36 |   |
| Noninterest-earning assets                                                                  |   |                                   | 22,275  |   |   |   |   |   |   |   |   |   |   |   | 23,206 |   |   |   |   |   |   |   |   |   |
|                                                                                        |   |                                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total assets                                                                                |   | $                                      | 409,257 |   |   |   |   |   |   |   |   |   |   | $ | 404,087 |   |   |   |   |   |   |   |   |   |
|                                                                                        |   |                                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing liabilities:                                                               |   |                                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Deposits                                                                                    |   | $                                      | 315,272 |   |   | $ | 1,970 |   |   |   | 1.25 | % |   | $ | 307,149 |   |   | $ | 2,621 |   |   |   | 1.71 | % |
| Other short-term borrowings                                                                 |   |                                   | 7,377   |   |   |   | 15 |   |   |   | 0.41 |   |   |   | 9,361 |   |   |   | 19 |   |   |   | 0.41 |   |
| Borrowings                                                                                  |   |                                   | 44,330  |   |   |   | 817 |   |   |   | 3.69 |   |   |   | 47,599 |   |   |   | 995 |   |   |   | 4.18 |   |
| Total interest-bearing liabilities                                                          |   |                                   | 366,979 |   |   |   | 2,802 |   |   |   | 1.53 |   |   |   | 364,109 |   |   |   | 3,635 |   |   |   | 2.00 |   |
|                                                                                        |   |                                   |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Noninterest bearing  liabilities                                                  |   |                                   | 4,153   |   |   |   |   |   |   |   |   |   |   |   | 4,298 |   |   |   |   |   |   |   |   |   |
| Total liabilities                                                                           |   |                                   | 371,132 |   |   |   |   |   |   |   |   |   |   |   | 368,407 |   |   |   |   |   |   |   |   |   |
| Stockholders’ equity                                                                  |   |                                   | 38,125  |   |   |   |   |   |   |   |   |   |   |   | 35,680 |   |   |   |   |   |   |   |   |   |
| Total liabilities and stockholders’ equity                                            |   | $                                      | 409,257 |   |   |   |   |   |   |   |   |   |   | $ | 404,087 |   |   |   |   |   |   |   |   |   |
| Net interest income                                                                         |   |                                   |    |   |   | $ | 6,506 |   |   |   |   |   |   |   |   |   |   | $ | 6,582 |   |   |   |   |   |
| Interest rate spread(4)                                                                     |   |                                   |    |   |   |   |   |   |   |   | 3.28 | % |   |   |   |   |   |   |   |   |   |   | 3.36 | % |
| Net yield on interest-earning assets(5)                                                     |   |                                   |    |   |   |   |   |   |   |   | 3.36 | % |   |   |   |   |   |   |   |   |   |   | 3.46 | % |
| Ratio of average interest-earning assets to average  interest-bearing liabilities |   |                                   |    |   |   |   |   |   |   |   | 105.45 | % |   |   |   |   |   |   |   |   |   |   | 104.61 | % |

| (1) | Includes non-accrual loan balances. |
|-----|-------------------------------------|

| (2) | Includes mortgage-backed securities both designated as available-for-sale and held to maturity. |
|-----|-------------------------------------------------------------------------------------------------|

| (3) | Includes  interest-bearing deposits in other financial institutions. |
|-----|--------------------------------------------------------------------------------|

| (4)  | Interest rate spread represents the difference between the average yield on interest-earning assets and the average cost of interest-bearing liabilities. |
|-----------|-----------------------------------------------------------------------------------------------------------------------------------------------------------|

| (5)  | Net yield on interest-earning assets represents net interest income as a percentage of average interest-earning assets. |
|-----------|-------------------------------------------------------------------------------------------------------------------------|

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Index

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Index

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Index

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Index

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Index

ITEM 

ITEM 

----

Index

| ITEM 1. | Legal Proceedings |
|---------|-------------------|

| ITEM 1A. | Risk Factors |
|----------|--------------|

| ITEM 2. | Unregistered Sales of Equity Securities and Use of Proceeds |
|---------|-------------------------------------------------------------|

| ITEM 3. | Defaults Upon Senior Securities |
|---------|---------------------------------|

| ITEM 4. | Reserved |
|---------|----------|

| ITEM 5. | Other Information |
|---------|-------------------|

----

Index

ITEM 6.

|   |   | 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

SIGNATURES

| Date:  November 8, 2010 | By:    |   | /s/Phillip E. Becker                                                          |
|-----------------------------------|--------|--------|-------------------------------------------------------------------------------|
|                              |   |   | Phillip E. BeckerPresident and Chief Executive Officer                        |
|                              |   |   |                                                                          |
|                              |   |   |                                                                          |
| Date:  November 8, 2010 | By:    |   | /s/H. Stewart Fitz Gibbon III                                                 |
|                              |   |   | H. Stewart Fitz Gibbon IIIExecutive Vice President andChief Financial Officer |

----