| 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)                           |   |                   |

----

n

|                           |                                                                                        | Page   |
|--------------------------------|---------------------------------------------------------------------------------------------|--------|
|                           |                                                                                        |   |
| PART I - FINANCIAL INFORMATION |                                                                                        |
|                           |                                                                                        |   |
| Item 1                         | Condensed Consolidated Balance Sheets                                                       | 2      |
|                           | Condensed Consolidated Statements of Income                                                 | 3      |
|                           | Condensed Consolidated Statements of Comprehensive Income (Loss)                            | 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 | 24     |
|                           |                                                                                        |   |
| Item 3                         | Quantitative and Qualitative Disclosures About Market Risk                                  | 33     |
|                           |                                                                                        |   |
| Item 4T                        | Controls and Procedures                                                                     | 33     |
|                           |                                                                                        |   |
|                           |                                                                                        |   |
| PART II - OTHER INFORMATION    |                                                                                        |
|                           |                                                                                        |   |
| Item 1                         | Legal Proceedings                                                                           | 34     |
|                           |                                                                                        |   |
| Item 1A                        | Risk Factors                                                                                | 34     |
|                           |                                                                                        |   |
| Item 2                         | Unregistered Sales of Equity Securities and Use of Proceeds                                 | 34     |
|                           |                                                                                        |   |
| Item 3                         | Defaults Upon Senior Securities                                                             | 34     |
|                           |                                                                                        |   |
| Item 4                         | Submission of Matters to a Vote of Security Holders                                         | 34     |
|                           |                                                                                        |   |
| Item 5                         | Other Information                                                                           | 34     |
|                           |                                                                                        |   |
| Item 6                         | Exhibits                                                                                    | 35     |
|                           |                                                                                        |   |
| SIGNATURES                     | 36                                                                                          |

----

Index

|                                                                                                                            |   | June 30, 2009 |    | March 31, 2009 |   |
|---------------------------------------------------------------------------------------------------------------------------------|--------|---------------|---------|----------------|--------|
|                                                                                                                            |   | (Unaudited)   |    |           |   |   |
| ASSETS                                                                                                                          |   |          |    |           |   |   |
| Cash and due from banks                                                                                                         |   | $             | 7,885   |           |   | $ | 2,935 |   |
| Interest-bearing demand deposits                                                                                                |   |          | 3,640   |           |   |   | 3,855 |   |
| Cash and cash equivalents                                                                                                       |   |          | 11,525  |           |   |   | 6,790 |   |
| Available-for-sale securities                                                                                                   |   |          | 114,201 |           |   |   | 117,733 |   |
| Held-to-maturity securities                                                                                                     |   |          | 836     |           |   |   | 952 |   |
| Loans receivable – net of allowance for loan losses of $2,437 and $2,484 atJune 30, 2009 and March 31, 2009, respectively |   |          | 251,562 |           |   |   | 254,326 |   |
| Premises and equipment                                                                                                          |   |          | 7,649   |           |   |   | 7,553 |   |
| Federal Home Loan Bank stock                                                                                                    |   |          | 5,025   |           |   |   | 5,025 |   |
| Foreclosed assets held for sale  -  net                                                                     |   |          | 926     |           |   |   | 594 |   |
| Accrued interest receivable                                                                                                     |   |          | 1,422   |           |   |   | 1,675 |   |
| Bank-owned life insurance                                                                                                       |   |          | 6,570   |           |   |   | 6,508 |   |
| Goodwill                                                                                                                        |   |          | 1,719   |           |   |   | 1,719 |   |
| Other intangible assets                                                                                                         |   |          | 445     |           |   |   | 471 |   |
| Other assets                                                                                                                    |   |          | 2,199   |           |   |   | 1,048 |   |
| Prepaid federal income taxes                                                                                                    |   |          | – |           |   |   | 27 |   |
| Total assets                                                                                                                    |   | $             | 404,079 |           |   | $ | 404,421 |   |
|                                                                                                                            |   |          |    |           |   |   |   |   |
|                                                                                                                            |   |          |    |           |   |   |   |   |
| LIABILITIES AND STOCKHOLDERS’ EQUITY                                                                                      |   |          |    |           |   |   |   |   |
|     Liabilities                                                                                             |   |          |    |           |   |   |   |   |
|       Deposits                                                                                    |   |          |    |           |   |   |   |   |
|   Demand                                                                                                              |   | $             | 56,957  |           |   | $ | 53,085 |   |
|   Savings and money market                                                                                            |   |          | 85,237  |           |   |   | 83,759 |   |
|   Time                                                                                                                |   |          | 165,819 |           |   |   | 172,690 |   |
| Total deposits                                                                                                                  |   |          | 308,013 |           |   |   | 309,534 |   |
| Other short term borrowings                                                                                                     |   |          | 10,229  |           |   |   | 10,154 |   |
| Federal Home Loan Bank advances                                                                                                 |   |          | 47,000  |           |   |   | 46,000 |   |
| Accrued interest payable and other liabilities                                                                                  |   |          | 2,593   |           |   |   | 3,237 |   |
| Accrued federal income taxes                                                                                                    |   |          | 58      |           |   |   | – |   |
| Deferred federal income taxes                                                                                                   |   |          | 1,223   |           |   |   | 1,083 |   |
| Total liabilities                                                                                                               |   |          | 369,116 |           |   |   | 370,008 |   |
|                                                                                                                            |   |          |    |           |   |   |   |   |
| 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                                                                                                      |   |          | 36,023  |           |   |   | 36,028 |   |
| Retained earnings                                                                                                               |   |          | 13,107  |           |   |   | 12,726 |   |
| Shares acquired by ESOP                                                                                                         |   |          | (875    | )              |   |   | (899 | ) |
| Accumulated other comprehensive income, net of tax effects                                                                      |   |          | 840     |           |   |   | 690 |   |
| Treasury stock, at cost - 974,618 common shares                                                                                 |   |          | (14,530 | )              |   |   | (14,530 | ) |
| Total stockholders’ equity                                                                                                |   |          | 34,963  |           |   |   | 34,413 |   |
| Total liabilities and stockholders’ equity                                                                                |   | $             | 404,079 |           |   | $ | 404,421 |   |
|                                                                                                                            |   |          |    |           |   |   |   |   |

----

Index

|                                                                                             |   | 2009   |   | 2008   |   |
|--------------------------------------------------------------------------------------------------|--------|--------|--------|--------|--------|
| Interest and Dividend Income                                                                     |   |   |   |   |   |   |
| Loans                                                                                            |   | $      | 3,682  |   |   | $ | 3,814 |   |
| Securities                                                                                       |   |   | 1,403  |   |   |   | 1,519 |   |
| Dividends on Federal Home Loan Bank stock and other                                              |   |   | 57     |   |   |   | 99 |   |
| Total interest and dividend income                                                               |   |   | 5,142  |   |   |   | 5,432 |   |
|                                                                                             |   |   |   |   |   |   |   |   |
| Interest Expense                                                                                 |   |   |   |   |   |   |   |   |
| Deposits                                                                                         |   |   | 1,382  |   |   |   | 2,096 |   |
| Other short term borrowings                                                                      |   |   | 10     |   |   |   | 21 |   |
| Federal Home Loan Bank advances                                                                  |   |   | 502    |   |   |   | 470 |   |
| Total interest expense                                                                           |   |   | 1,894  |   |   |   | 2,587 |   |
|                                                                                             |   |   |   |   |   |   |   |   |
| Net Interest Income                                                                              |   |   | 3,248  |   |   |   | 2,845 |   |
|                                                                                             |   |   |   |   |   |   |   |   |
| Provision for Loan Losses                                                                        |   |   | 165    |   |   |   | 61 |   |
|                                                                                             |   |   |   |   |   |   |   |   |
| Net Interest Income After Provision for Loan Losses                                              |   |   | 3,083  |   |   |   | 2,784 |   |
|                                                                                             |   |   |   |   |   |   |   |   |
| Noninterest Income                                                                               |   |   |   |   |   |   |   |   |
| Net gains on loan sales                                                                          |   |   | 63     |   |   |   | - |   |
| Trust income                                                                                     |   |   | 37     |   |   |   | 46 |   |
| Earnings on bank-owned life insurance                                                            |   |   | 57     |   |   |   | 55 |   |
| Service fees, charges and other operating                                                        |   |   | 344    |   |   |   | 328 |   |
| Total noninterest income                                                                         |   |   | 501    |   |   |   | 429 |   |
|                                                                                             |   |   |   |   |   |   |   |   |
| Noninterest Expense                                                                              |   |   |   |   |   |   |   |   |
| Salaries and employee benefits                                                                   |   |   | 1,429  |   |   |   | 1,382 |   |
| Occupancy and equipment                                                                          |   |   | 465    |   |   |   | 501 |   |
| Federal deposit insurance premiums                                                               |   |   | 339    |   |   |   | 9 |   |
| Franchise taxes                                                                                  |   |   | 88     |   |   |   | 102 |   |
| Loss on disposal and impairment provision of  real estate acquired through foreclosure |   |   | 11     |   |   |   | - |   |
| Amortization of intangible assets                                                                |   |   | 25     |   |   |   | 27 |   |
| Other                                                                                            |   |   | 548    |   |   |   | 494 |   |
| Total noninterest expense                                                                        |   |   | 2,905  |   |   |   | 2,515 |   |
| Income Before Income Taxes                                                                       |   |   | 679    |   |   |   | 698 |   |
|                                                                                             |   |   |   |   |   |   |   |   |
| Provision for Federal Income Taxes                                                               |   |   | 147    |   |   |   | 167 |   |
|                                                                                             |   |   |   |   |   |   |   |   |
| Net Income                                                                                       |   | $      | 532    |   |   | $ | 531 |   |
|                                                                                             |   |   |   |   |   |   |   |   |
| Basic Earnings Per Share                                                                         |   | $      | .18    |   |   | $ | .18 |   |
|                                                                                             |   |   |   |   |   |   |   |   |
| Diluted Earnings Per Share                                                                       |   | $      | .18    |   |   | $ | .18 |   |
|                                                                                             |   |   |   |   |   |   |   |   |
| Dividends Per Share                                                                              |   | $      | .05    |   |   | $ | .12 |   |

----

Index

|                                                             |   | 2009   |   | 2008   |   |
|------------------------------------------------------------------|--------|--------|--------|--------|--------|
|                                                             |   |   |   |   |   |   |
| Net income                                                       |   | $      | 532    |   |   | $ | 531 |   |
|                                                             |   |   |   |   |   |   |   |   |
| Other comprehensive income (loss):                               |   |   |   |   |   |   |   |   |
| Unrealized holding gains (losses) on securities, net of related  |   |   |   |   |   |   |   |   |
| taxes (benefits) of $77 and $(667) during the respective periods |   |   | 150    |   |   |   | (1,294 | ) |
|                                                             |   |   |   |   |   |   |   |   |
| Comprehensive income (loss)                                      |   | $      | 682    |   |   | $ | (763 | ) |
|                                                             |   |   |   |   |   |   |   |   |
| Accumulated other comprehensive income (loss)                    |   | $      | 840    |   |   | $ | (587 | ) |

----

Index

|                                                                                  |   | 2009   |           | 2008   |   |
|---------------------------------------------------------------------------------------|--------|--------|----------------|--------|--------|
|                                                                                  |   |   |           |   |   |   |
| Operating Activities                                                                  |   |   |           |   |   |   |
| Net income                                                                            |   | $      | 532            |   |   | $ | 531 |   |
| Items not requiring (providing) cash                                                  |   |   |           |   |   |   |   |   |
| Depreciation and amortization                                                         |   |   | 145            |   |   |   | 167 |   |
| Provision for loan losses                                                             |   |   | 165            |   |   |   | 61 |   |
| Amortization of premiums and discounts on securities                                  |   |   | (17            | )      |   |   | (28 | ) |
| Amortization of mortgage servicing rights                                             |   |   | 11             |   |   |   | 9 |   |
| Amortization of deferred loan origination fees                                        |   |   | (37            | )      |   |   | (14 | ) |
| Amortization of  intangible assets                                          |   |   | 25             |   |   |   | 27 |   |
| Deferred income taxes                                                                 |   |   | 63             |   |   |   | (35 | ) |
| Net gains on sales of loans                                                           |   |   | (63            | )      |   |   | –– |   |
| Proceeds from sale of loans in the secondary market                                   |   |   | 2,484          |   |   |   | –– |   |
| Origination of loans for sale in the secondary market                                 |   |   | (2,468         | )      |   |   | –– |   |
| Amortization expense of stock benefit plan                                            |   |   | 13             |   |   |   | 32 |   |
| Loss on disposal and impairment provision of real estate acquired through foreclosure |   |   | 11             |   |   |   | –– |   |
| Federal Home Loan Bank stock dividends                                                |   |   | –– |   |   |   | (66 | ) |
| Increase in value of bank owned life insurance                                        |   |   | (62            | )      |   |   | (59 | ) |
| Changes in                                                                            |   |   |           |   |   |   |   |   |
| Accrued interest receivable                                                           |   |   | 253            |   |   |   | 105 |   |
| Other assets                                                                          |   |   | (1,135         | )      |   |   | 472 |   |
| Interest payable and other liabilities                                                |   |   | (168           | )      |   |   | (9 | ) |
| Net cash provided by (used in) operating activities                                   |   |   | (248           | )      |   |   | 1,129 |   |
|                                                                                  |   |   |           |   |   |   |   |   |
| Investing Activities                                                                  |   |   |           |   |   |   |   |   |
| Purchase of  available-for-sale securities                                  |   |   | (9,122         | )      |   |   | (10,235 | ) |
| Proceeds from maturities of available-for-sale securities                             |   |   | 12,900         |   |   |   | 5,186 |   |
| Proceeds from maturities of held-to-maturity securities                               |   |   | 115            |   |   |   | 56 |   |
| Net change in loans                                                                   |   |   | 1,812          |   |   |   | (2,520 | ) |
| Purchase of premises and equipment                                                    |   |   | (241           | )      |   |   | (97 | ) |
| Proceeds from the sale of foreclosed assets                                           |   |   | 528            |   |   |   | 41 |   |
| Net cash provided by (used in) investing activities                                   |   |   | 5,992          |   |   |   | (7,569 | ) |
|                                                                                  |   |   |           |   |   |   |   |   |

----

Index

|                                                                                  |   | 2009   |    | 2008   |   |
|---------------------------------------------------------------------------------------|--------|--------|---------|--------|--------|
|                                                                                  |   |   |    |
|                                                                                  |   |   |    |   |   |   |
| Financing Activities                                                                  |   |   |    |   |   |   |
| Net change in deposits                                                                |   | $      | (1,521  | )      |   | $ | (2,280 | ) |
| Net change in other short-term borrowings                                             |   |   | 75      |   |   |   | 1,106 |   |
| Proceeds from Federal Home Loan Bank advances                                         |   |   | 9,200   |   |   |   | 9,500 |   |
| Repayments of Federal Home Loan Bank advances                                         |   |   | (8,200  | )      |   |   | (7,850 | ) |
| Advances by borrowers for taxes and insurance                                         |   |   | (418    | )      |   |   | (488 | ) |
| Cash dividends paid                                                                   |   |   | (145    | )      |   |   | (352 | ) |
| Treasury stock purchases                                                              |   |   | – |   |   |   | (48 | ) |
| Net cash used in financing activities                                                 |   |   | (1,009  | )      |   |   | (412 | ) |
|                                                                                  |   |   |    |   |   |   |   |   |
| Increase (decrease) in Cash and Cash Equivalents                                      |   |   | 4,735   |   |   |   | (6,852 | ) |
|                                                                                  |   |   |    |   |   |   |   |   |
| Cash and Cash equivalents, Beginning of period                                        |   |   | 6,790   |   |   |   | 13,063 |   |
|                                                                                  |   |   |    |   |   |   |   |   |
| Cash and Cash equivalents, End of period                                              |   | $      | 11,525  |   |   | $ | 6,211 |   |
|                                                                                  |   |   |    |   |   |   |   |   |
| Supplemental Cash Flows Information      Cash Paid For: |   |   |    |   |   |   |   |   |
| Interest on deposits and borrowings                                                   |   | $      | 1,988   |   |   | $ | 2,582 |   |
|                                                                                  |   |   |    |   |   |   |   |   |
|                                                                                  |   |   |    |   |   |   |   |   |
|                                                                                  |   |   |    |   |   |   |   |   |
|                                                                                  |   |   |    |   |   |   |   |   |
| Supplemental Disclosure of Non-Cash Investing and Financing Activities                |   |   |    |   |   |   |   |   |
| Transfers from loans to foreclosed assets held for sale                               |   | $      | 871     |   |   | $ | 69 |   |
|                                                                                  |   |   |    |   |   |   |   |   |
| Unrealized gains (losses) on securities designated as available for sale,             |   |   |    |   |   |   |   |   |
|     net of related tax effects                                    |   | $      | 150     |   |   | $ | (1,294 | ) |
|                                                                                  |   |   |    |   |   |   |   |   |
| Dividends payable                                                                     |   | $      | 150     |   |   | $ | 360 |   |

----

Index

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

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

----

Index

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

|                                |   | For the three months ended |      |
|-------------------------------------|--------|----------------------------|-----------|
|                                |   | June 30,                   |      |
|                                |   | 2009                       |      | 2008 |   |
|                                |   |                       |      |   |   |   |
| Weighted-average common shares      |   |                       |      |   |   |   |
| outstanding (basic)                 |   |                       | 2,911,956 |   |   |   | 2,905,931 |   |
|                                |   |                       |      |   |   |   |   |   |
| Dilutive effect of assumed exercise |   |                       |      |   |   |   |   |   |
| of stock options                    |   |                       | –   |   |   |   | – |   |
|                                |   |                       |      |   |   |   |   |   |
| Weighted-average common shares      |   |                       |      |   |   |   |   |   |
| outstanding (diluted)               |   |                       | 2,911,956 |   |   |   | 2,905,931 |   |

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

----

Index

|                               |               | Three months endedJune 30, |               |                         | Year endedMarch 31, |   |
|------------------------------------|--------------------|----------------------------|--------------------|------------------------------|---------------------|--------|
|                               |               | 2009                       |               |                         | 2009                |   |   | 2008 |   |
|                               |   Shares |                       |               | WeightedAverageexerciseprice |                |   |   Shares |   |   | WeightedAverageexerciseprice |   |   |   Shares |   |   | WeightedAverageexerciseprice |   |
| Outstanding at beginning of period |               |                       | 94,020             |                         |                | $      | 13.95 |   |   |   | 104,224 |   |   | $ | 13.95 |   |   |   | 114,224 |   |   | $ | 13.95 |   |
| Granted                            |               |                       | –            |                         |                |   | – |   |   |   | – |   |   |   | – |   |   |   | – |   |   |   | – |   |
| Exercised                          |               |                       | –            |                         |                |   | – |   |   |   | – |   |   |   | – |   |   |   | – |   |   |   | – |   |
| Forfeited                          |               |                       | –            |                         |                |   |  – |   |   |   | (10,204 | ) |   |   | 13.95 |   |   |   | (10,000 | ) |   |   | 13.95 |   |
|                               |               |                       |               |                         |                |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Outstanding at end of period       |               |                       |   94,020 |                         |                | $      | 13.95 |   |   |   |  94,020 |   |   | $ | 13.95 |   |   |   |  104,224 |   |   | $ | 13.95 |   |
|                               |               |                       |               |                         |                |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Options exercisable at period-end  |               |                       |  94,020       |                         |                | $      | 13.95 |   |   |   |   94,020 |   |   | $ | 13.95 |   |   |   |  104,224 |   |   | $ | 13.95 |   |

| Number outstanding                                  |   | 94,020     |
|-----------------------------------------------------|--------|------------|
| Exercise price on all remaining options outstanding |   | $13.95     |
| Weighted-average remaining contractual life         |   | 4.75 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, 2009  |   |                   |   |   |                         |   |   |                                                           |   |   |   |   |   |   |   |   |   |   |
| Tangible capital     |   | $                      | 30,973 |   |                         |   | 7.7    | %                                                              |   | $ | 6,006 |   |   |   | 1.5 | % |   | $ | 20,021 |   |   |   | 5.0 | % |
| Core capital         |   |                   | 30,973 |   |                         |   | 7.7    |                                                           |   |   | 16,017 |   |   |   | 4.0 |   |   |   | 24,026 |   |   |   | 6.0 |   |
| Risk-based capital   |   |                   | 32,686 |   |                         |   | 12.4   |                                                           |   |   | 20,060 |   |   |   | 8.0 |   |   |   | 25,075 |   |   |   | 10.0 |   |
|                 |   |                   |   |   |                         |   |   |                                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
|                 |   |                   |   |   |                         |   |   |                                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| As of March 31, 2009 |   |                   |   |   |                         |   |   |                                                           |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Tangible capital     |   | $                      | 30,525 |   |                         |   | 7.6    | %                                                              |   | $ | 6,018 |   |   |   | 1.5 | % |   | $ | 20,060 |   |   |   | 5.0 | % |
| Core capital         |   |                   | 30,525 |   |                         |   | 7.6    |                                                           |   |   | 16,048 |   |   |   | 4.0 |   |   |   | 24,072 |   |   |   | 6.0 |   |
| Risk-based capital   |   |                   | 32,341 |   |                         |   | 12.8   |                                                           |   |   | 20,212 |   |   |   | 8.0 |   |   |   | 25,265 |   |   |   | 10.0 |   |

----

Index

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

|   | · | Transaction costs and restructuring charges will now be expensed. |
|--------|--------|-------------------------------------------------------------------|

|   | · | The accounting for certain assets acquired and liabilities assumed will change significantly.  The most significant to the Company being that allowance for loan losses at acquisition date will be eliminated. |
|--------|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | Contingent consideration will be measured at fair value until settled. |
|--------|--------|------------------------------------------------------------------------|

|   | · | Equity issued in an acquisition will be valued at the closing date, as opposed to the announcement date. |
|--------|--------|----------------------------------------------------------------------------------------------------------|

|   | · | Material adjustments made to the initial acquisition will be recorded back to the acquisition date. |
|--------|--------|-----------------------------------------------------------------------------------------------------|

----

Index

----

Index

----

Index

| Note 7: | Subsequent Events |
|---------|-------------------|

----

Index

|                             |   | AmortizedCost  |    |   | GrossUnrealizedGains |   |   | GrossUnrealizedLosses |   |   | ApproximateFair Value |   |
|----------------------------------|--------|----------------|---------|--------|----------------------|--------|--------|-----------------------|--------|--------|-----------------------|--------|
|                             |   | (In thousands) |    |
| Available-for-sale Securities:   |   |           |    |   |                 |   |   |                  |   |   |                  |   |
| June 30, 2009:                   |   |           |    |   |                 |   |   |                  |   |   |                  |   |
| U.S. government agencies         |   | $              | 4,902   |   |                 | $      | 126    |                  |   | $      | 4                     |   |   | $ | 5,024 |   |
| Mortgage-backed securities       |   |           | 86,715  |   |                 |   | 2,239  |                  |   |   | 393                   |   |   |   | 88,561 |   |
| State and political subdivisions |   |           | 20,618  |   |                 |   | 377    |                  |   |   | 379                   |   |   |   | 20,616 |   |
|                             |   |           |    |   |                 |   |   |                  |   |   |                  |   |   |   |   |   |
|                             |   | $              | 112,235 |   |                 | $      | 2,742  |                  |   | $      | 776                   |   |   | $ | 114,201 |   |
|                             |   |           |    |   |                 |   |   |                  |   |   |                  |   |   |   |   |   |
| June 30, 2008:                   |   |           |    |   |                 |   |   |                  |   |   |                  |   |   |   |   |   |
| U.S. government agencies         |   | $              | 17,101  |   |                 | $      | 42     |                  |   | $      | 7                     |   |   | $ | 17,136 |   |
| Mortgage-backed securities       |   |           | 88,666  |   |                 |   | 380    |                  |   |   | 760                   |   |   |   | 88,286 |   |
| State and political subdivisions |   |           | 17,913  |   |                 |   | 199    |                  |   |   | 248                   |   |   |   | 17,864 |   |
|                             |   |           |    |   |                 |   |   |                  |   |   |                  |   |   |   |   |   |
|                             |   | $              | 123,680 |   |                 | $      | 621    |                  |   | $      | 1,015                 |   |   | $ | 123,286 |   |
|                             |   |           |    |   |                 |   |   |                  |   |   |                  |   |   |   |   |   |
|                             |   |           |    |   |                 |   |   |                  |   |   |                  |   |   |   |   |   |

|                             |   | AmortizedCost  |   |   | GrossUnrealizedGains |   |    | GrossUnrealizedLosses |   |   | ApproximateFair Value |   |
|----------------------------------|--------|----------------|--------|--------|----------------------|--------|---------|-----------------------|--------|--------|-----------------------|--------|
|                             |   | (In thousands) |   |
| Held-to-maturity Securities:     |   |           |   |   |                 |   |    |                  |   |   |                  |   |
| June 30, 2009:                   |   |           |   |   |                 |   |    |                  |   |   |                  |   |
| U.S. government agencies         |   | $              | 186    |   |                 | $      | – |                  |   | $      | 4                     |   |   | $ | 182 |   |
| State and political subdivisions |   |           | 82     |   |                 |   | 7       |                  |   |   | –               |   |   |   | 89 |   |
| Mortgage-backed securities       |   |           | 568    |   |                 |   | 6       |                  |   |   | 1                     |   |   |   | 573 |   |
|                             |   |           |   |   |                 |   |    |                  |   |   |                  |   |   |   |   |   |
|                             |   | $              | 836    |   |                 | $      | 13      |                  |   | $      | 5                     |   |   | $ | 844 |   |
|                             |   |           |   |   |                 |   |    |                  |   |   |                  |   |   |   |   |   |
| June 30, 2008:                   |   |           |   |   |                 |   |    |                  |   |   |                  |   |   |   |   |   |
| U.S. government agencies         |   | $              | 297    |   |                 | $      | – |                  |   | $      | 1                     |   |   | $ | 296 |   |
| State and political subdivisions |   |           | 110    |   |                 |   | 6       |                  |   |   | –               |   |   |   | 116 |   |
| Mortgage-backed securities       |   |           | 777    |   |                 |   | 2       |                  |   |   | 3                     |   |   |   | 776 |   |
|                             |   |           |   |   |                 |   |    |                  |   |   |                  |   |   |   |   |   |
|                             |   | $              | 1,184  |   |                 | $      | 8       |                  |   | $      | 4                     |   |   | $ | 1,188 |   |

----

Index

| June 30, 2009              |   | Available-for-sale |    |   | Held-to-maturity |   |
|----------------------------|--------|--------------------|---------|--------|------------------|--------|
|                       |   | AmortizedCost      |    |   | FairValue        |   |   | AmortizedCost |   |   | FairValue |   |
|                       |   | (In thousands)     |    |
|                       |   |               |    |   |             |   |   |   |   |   |   |   |
| One to five years          |   | $                  | 3,514   |   |             | $      | 3,628 |   |   | $ | 82 |   |   | $ | 89 |   |
| Five to ten years          |   |               | 2,521   |   |             |   | 2,538 |   |   |   | – |   |   |   | – |   |
| After ten years            |   |               | 19,485  |   |             |   | 19,474 |   |   |   | 186 |   |   |   | 182 |   |
|                       |   |               |    |   |             |   |   |   |   |   |   |   |   |   |   |   |
|                       |   |               | 25,520  |   |             |   | 25,640 |   |   |   | 268 |   |   |   | 271 |   |
|                       |   |               |    |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Mortgage-backed securities |   |               | 86,715  |   |             |   | 88,561 |   |   |   | 568 |   |   |   | 573 |   |
|                       |   |               |    |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Totals                     |   | $                  | 112,235 |   |             | $      | 114,201 |   |   | $ | 836 |   |   | $ | 844 |   |

| June 30, 2008              |   | Available-for-sale |    |   | Held-to-maturity |   |
|----------------------------|--------|--------------------|---------|--------|------------------|--------|
|                       |   | AmortizedCost      |    |   | FairValue        |   |   | AmortizedCost |   |   | FairValue |   |
|                       |   | (In thousands)     |    |
|                       |   |               |    |   |             |   |   |   |   |   |   |   |
| Within one year            |   | $                  | 11,847  |   |             | $      | 11,876 |   |   | $ | – |   |   | $ | – |   |
| One to five years          |   |               | 3,906   |   |             |   | 3,897 |   |   |   | 110 |   |   |   | 116 |   |
| Five to ten years          |   |               | 3,741   |   |             |   | 3,720 |   |   |   | – |   |   |   | – |   |
| After ten years            |   |               | 15,520  |   |             |   | 15,507 |   |   |   | 297 |   |   |   | 296 |   |
|                       |   |               |    |   |             |   |   |   |   |   |   |   |   |   |   |   |
|                       |   |               | 35,014  |   |             |   | 35,000 |   |   |   | 407 |   |   |   | 412 |   |
|                       |   |               |    |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Mortgage-backed securities |   |               | 88,666  |   |             |   | 88,286 |   |   |   | 777 |   |   |   | 776 |   |
|                       |   |               |    |   |             |   |   |   |   |   |   |   |   |   |   |   |
| Totals                     |   | $                  | 123,680 |   |             | $      | 123,286 |   |   | $ | 1,184 |   |   | $ | 1,188 |   |

----

Index

----

Index

| June 30, 2009                         |   |
|---------------------------------------|--------|
|                                  |   | 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              |   | $ | – |   |   | $ | – |   |   | $ | 390 |   |   | $ | 8 |   |   | $ | 390 |   |   | $ | 8 |   |
| Mortgage-backed securities            |   |   | 10,956 |   |   |   | 172 |   |   |   | 6,464 |   |   |   | 222 |   |   |   | 17,420 |   |   |   | 394 |   |
| State and political subdivisions      |   |   | 7,230 |   |   |   | 154 |   |   |   | 3,455 |   |   |   | 225 |   |   |   | 10,685 |   |   |   | 379 |   |
| Total temporarily impaired securities |   | $ | 18,186 |   |   | $ | 326 |   |   | $ | 10,309 |   |   | $ | 455 |   |   | $ | 28,495 |   |   | $ | 781 |   |

|  June 30, 2008                   |   |
|---------------------------------------|--------|
|                                  |   | 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              |   | $ | 1,940 |   |   | $ | 8 |   |   | $ | – |   |   | $ | – |   |   | $ | 1,940 |   |   | $ | 8 |   |
| Mortgage-backed securities            |   |   | 43,405 |   |   |   | 710 |   |   |   | 1,946 |   |   |   | 54 |   |   |   | 45,351 |   |   |   | 763 |   |
| State and political subdivisions      |   |   | 9,599 |   |   |   | 248 |   |   |   | – |   |   |   | – |   |   |   | 9,599 |   |   |   | 248 |   |
| Total temporarily impaired securities |   | $ | 54,944 |   |   | $ | 966 |   |   | $ | 1,946 |   |   | $ | 54 |   |   | $ | 56,890 |   |   | $ | 1,019 |   |

----

Index

| Note 9: | 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, 2009 |   |       |    |   |                                                      |   |   |   |   |   |   |   |
| U.S. government agencies                                                                    |   | $          | 5,024   |   |                                                      | $      | – |   |   | $ | 5,024 |   |   | $ | – |   |
| State and political subdivisions                                                            |   | $          | 88,561  |   |                                                      | $      | – |   |   | $ | 88,561 |   |   | $ | – |   |
| Mortgage-backed securities                                                                  |   | $          | 20,616  |   |                                                      | $      | – |   |   | $ | 20,616 |   |   | $ | – |   |
|                                                                                        |   | $          | 114,201 |   |                                                      | $      | – |   |   | $ | 114,201 |   |   | $ | – |   |

|              June 30, 2008 |   |   |    |   |   |   |    |   |   |   |    |   |
|---------------------------------------------------------------------------------------------|--------|--------|---------|--------|--------|--------|---------|--------|--------|--------|---------|--------|
| U.S. government agencies                                                                    |   | $      | 17,136  |   |   | $      | – |   |   | $      | 17,136  |   |   | $ | – |   |
| State and political subdivisions                                                            |   | $      | 88,286  |   |   | $      | – |   |   | $      | 88,286  |   |   | $ | – |   |
| Mortgage-backed securities                                                                  |   | $      | 17,864  |   |   | $      | – |   |   | $      | 17,864  |   |   | $ | – |   |
|                                                                                        |   | $      | 123,286 |   |   | $      | – |   |   | $      | 123,286 |   |   | $ | – |   |

----

Index

|                                      |   |       |   |   | Fair Value Measurements Using                             |   |
|-------------------------------------------|--------|------------|--------|--------|-----------------------------------------------------------|--------|
|                                      |   | Fair Value |   |   | Quoted Pricesin ActiveMarkets forIdenticalAssets(Level 1) |   |   | SignificantOtherObservableInputs(Level 2) |   |   | SignificantUnobservableInputs(Level 3) |   |
|                                      |   |       |   |   |                                                      |   |   | (in thousands) |   |   |   |   |
|                                      |   |       |   |   |                                                      |   |   |   |   |   |   |   |
|  June 30, 2009 Impaired loans        |   | $          | 3,085  |   |                                                      | $      | – |   |   | $ | – |   |   | $ | 3,085 |   |
|     Foreclosed assets |   |       | 926    |   |                                                      |   | – |   |   |   | – |   |   |   | 926 |   |
|  June 30, 2008 Impaired loans        |   | $          | 795    |   |                                                      | $      | – |   |   | $ | – |   |   | $ | 795 |   |
|     Foreclosed assets |   |       | 121    |   |                                                      |   | – |   |   |   | – |   |   |   | 121 |   |

----

Index

|                                            |   | June 30, 2009  |    |   | June 30, 2008 |   |
|-------------------------------------------------|--------|----------------|---------|--------|---------------|--------|
|                                            |   | CarryingAmount |    |   | Fair Value    |   |   | CarryingAmount |   |   | Fair Value |   |
|                                            |   | (In thousands) |    |
|                                            |   |           |    |   |          |   |   |   |   |   |   |   |
| Financial assets                                |   |           |    |   |          |   |   |   |   |   |   |   |
| Cash and cash equivalents                       |   | $              | 11,525  |   |          | $      | 11,525 |   |   | $ | 6,211 |   |   | $ | 6,211 |   |
| Available-for-sale securities                   |   |           | 114,201 |   |          |   | 114,201 |   |   |   | 123,286 |   |   |   | 123,286 |   |
| Held-to-maturity securities                     |   |           | 836     |   |          |   | 844 |   |   |   | 1,184 |   |   |   | 1,188 |   |
| Loans, net of allowance for loan losses         |   |           | 251,562 |   |          |   | 257,650 |   |   |   | 244,651 |   |   |   | 249,189 |   |
| Federal Home Loan Bank stock                    |   |           | 5,025   |   |          |   | 5,025 |   |   |   | 4,958 |   |   |   | 4,958 |   |
| Interest receivable                             |   |           | 1,422   |   |          |   | 1,422 |   |   |   | 1,648 |   |   |   | 1,648 |   |
|                                            |   |           |    |   |          |   |   |   |   |   |   |   |   |   |   |   |
| Financial liabilities                           |   |           |    |   |          |   |   |   |   |   |   |   |   |   |   |   |
| Deposits                                        |   |           | 308,013 |   |          |   | 301,945 |   |   |   | 315,451 |   |   |   | 308,776 |   |
| Other short-term borrowings                     |   |           | 10,229  |   |          |   | 10,229 |   |   |   | 8,393 |   |   |   | 8,393 |   |
| Federal Home Loan Bank advances                 |   |           | 47,000  |   |          |   | 48,119 |   |   |   | 40,150 |   |   |   | 40,668 |   |
| Advances from borrowers for taxes and insurance |   |           | 133     |   |          |   | 133 |   |   |   | 188 |   |   |   | 188 |   |
| Interest payable                                |   |           | 257     |   |          |   | 257 |   |   |   | 425 |   |   |   | 425 |   |
|                                            |   |           |    |   |          |   |   |   |   |   |   |   |   |   |   |   |

----

Index

----

Index

i

----

Index

|                                |   | June 30, 2009          |    | March 31, 2009 |   |
|-------------------------------------|--------|------------------------|---------|----------------|--------|
|                                |   | (Dollars in thousands) |    |
| Mortgage loans:                     |   |                   |    |           |   |   |   |   |   |   |   |   |
| One- to four-family residential(1)  |   | $                      | 138,980 |           |   |   | 53.94 | % |   | $ | 141,285 |   |   |   | 54.40 | % |
| Residential construction loans      |   |                   | 2,082   |           |   |   | 0.81 |   |   |   | 1,587 |   |   |   | 0.61 |   |
| Multi-family residential            |   |                   | 8,541   |           |   |   | 3.31 |   |   |   | 8,604 |   |   |   | 3.31 |   |
| Non-residential real estate/land(2) |   |                   | 67,296  |           |   |   | 26.12 |   |   |   | 70,725 |   |   |   | 27.23 |   |
| Total mortgage loans                |   |                   | 216,899 |           |   |   | 84.18 |   |   |   | 222,201 |   |   |   | 85.55 |   |
| Other loans:                        |   |                   |    |           |   |   |   |   |   |   |   |   |   |   |   |   |
| Consumer loans(3)                   |   |                   | 4,366   |           |   |   | 1.69 |   |   |   | 4,923 |   |   |   | 1.90 |   |
| Commercial business loans           |   |                   | 36,386  |           |   |   | 14.13 |   |   |   | 32,592 |   |   |   | 12.55 |   |
| Total other loans                   |   |                   | 40,752  |           |   |   | 15.82 |   |   |   | 37,515 |   |   |   | 14.45 |   |
| Total loans before net items        |   |                   | 257,651 |           |   |   | 100.00 | % |   |   | 259,716 |   |   |   | 100.00 | % |
| Less:                               |   |                   |    |           |   |   |   |   |   |   |   |   |   |   |   |   |
| Loans in process                    |   |                   | 3,266   |           |   |   |   |   |   |   | 2,506 |   |   |   |   |   |
| Deferred loan origination fees      |   |                   | 386     |           |   |   |   |   |   |   | 400 |   |   |   |   |   |
| Allowance for loan losses           |   |                   | 2,437   |           |   |   |   |   |   |   | 2,484 |   |   |   |   |   |
| Total loans receivable, net         |   | $                      | 251,562 |           |   |   |   |   |   | $ | 254,326 |   |   |   |   |   |
| Mortgage-backed securities, net(4)  |   | $                      | 89,129  |           |   |   |   |   |   | $ | 88,788 |   |   |   |   |   |

| (1) | Includes equity loans collateralized by second mortgages in the aggregate amount of $16.5 million and $16.9 million as of  June 30, 2009 and March 31, 2009, respectively.  Such loans have been underwritten on substantially the same basis as the Company’s first mortgage loans. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (2) | Includes land loans of $215,000 for both June 30, 2009 and March 31, 2009. |
|-----|----------------------------------------------------------------------------|

| (3) | Includes second mortgage loans of $1.2 million and $1.3 million as of June 30, 2009 and March 31, 2009, respectively. |
|-----|-----------------------------------------------------------------------------------------------------------------------|

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

----

Index

|                                               |   | June 30,2009           |   | March 31,2009 |   |
|----------------------------------------------------|--------|------------------------|--------|---------------|--------|
|                                               |   | (Dollars in thousands) |   |
| Past due loans 30-89 days:                         |   |                   |   |          |   |   |
| Mortgage loans:                                    |   |                   |   |          |   |   |
| One- to four-family residential                    |   | $                      | 609    |          |   | $ | 491 |   |
| Nonresidential                                     |   |                   | 510    |          |   |   | 77 |   |
| Non-mortgage loans:                                |   |                   |   |          |   |   |   |   |
| Commercial business loans                          |   |                   | 90     |          |   |   | – |   |
| Consumer loans                                     |   |                   | 12     |          |   |   | 18 |   |
|                                               |   | $                      | 1,221  |          |   | $ | 586 |   |
|                                               |   |                   |   |          |   |   |   |   |
| Non-performing loans:                              |   |                   |   |          |   |   |   |   |
| Mortgage loans:                                    |   |                   |   |          |   |   |   |   |
| One- to four-family residential                    |   | $                      | 1,017  |          |   | $ | 1,409 |   |
| All other mortgage loans                           |   |                   | 2,759  |          |   |   | 3,027 |   |
| Non-mortgage loans:                                |   |                   |   |          |   |   |   |   |
| Commercial business loans                          |   |                   | 577    |          |   |   | 558 |   |
| Consumer                                           |   |                   | 12     |          |   |   | 4 |   |
| Total non-performing loans                         |   |                   | 4,365  |          |   |   | 4,998 |   |
| Total foreclosed assets held for sale              |   |                   | 926    |          |   |   | 594 |   |
| Total non-performing assets                        |   | $                      | 5,291  |          |   | $ | 5,592 |   |
|                                               |   |                   |   |          |   |   |   |   |
|                                               |   |                   |   |          |   |   |   |   |
| Total non-performing loans to net loans receivable |   |                   | 1.74   | %             |   |   | 1.97 | % |
| Total non-performing loans to total assets         |   |                   | 1.08   | %             |   |   | 1.24 | % |
| Total non-performing assets to total assets        |   |                   | 1.31   | %             |   |   | 1.38 | % |

----

Index

|                                                                             |   | For the threemonths endedJune 30, 2009 |    | For theyear endedMarch 31, 2009 |   |
|----------------------------------------------------------------------------------|--------|----------------------------------------|---------|---------------------------------|--------|
|                                                                             |   | (Dollars in thousands)                 |    |
|                                                                             |   |                                   |    |                            |   |   |
| Loans receivable, net                                                            |   | $                                      | 251,562 |                            |   | $ | 254,326 |   |
| Average loans receivable, net                                                    |   | $                                      | 252,138 |                            |   | $ | 250,220 |   |
| Allowance balance (at beginning of period)                                       |   | $                                      | 2,484   |                            |   | $ | 1,777 |   |
| Provision for losses                                                             |   |                                   | 165     |                            |   |   | 1,068 |   |
| Charge-offs:                                                                     |   |                                   |    |                            |   |   |   |   |
| Mortgage loans:                                                                  |   |                                   |    |                            |   |   |   |   |
| One- to four-family                                                              |   |                                   | (63     | )                               |   |   | (49 | ) |
| Non-residential real estate and land                                             |   |                                   | (104    | )                               |   |   | (245 | ) |
| Other loans:                                                                     |   |                                   |    |                            |   |   |   |   |
| Consumer                                                                         |   |                                   | – |                            |   |   | (3 | ) |
| Commercial                                                                       |   |                                   | (46     | )                               |   |   | (74 | ) |
| Gross charge-offs                                                                |   |                                   | (213    | )                               |   |   | (371 | ) |
| Recoveries:                                                                      |   |                                   |    |                            |   |   |   |   |
| Other loans:                                                                     |   |                                   |    |                            |   |   |   |   |
| Consumer                                                                         |   |                                   | 1       |                            |   |   | 10 |   |
| Gross recoveries                                                                 |   |                                   | 1       |                            |   |   | 10 |   |
| Net charge-offs                                                                  |   |                                   | (212    | )                               |   |   | (361 | ) |
|                                                                             |   |                                   |    |                            |   |   |   |   |
| Allowance for loan losses balance (at end of period)                             |   | $                                      | 2,437   |                            |   | $ | 2,484 |   |
| Allowance for loan losses as a percent of loans receivable, net at end of period |   |                                   | 0.97    | %                               |   |   | 0.97 | % |
| Net loans charged off as a percent of average loans receivable, net              |   |                                   | 0.08    | %                               |   |   | 0.14 | % |
| Ratio of allowance for loan losses to non-                                       |   |                                   |    |                            |   |   |   |   |
|   performing loans at end of period                                    |   |                                   | 55.83   | %                               |   |   | 49.70 | % |

----

Index

----

Index

|                                                                                         |   | For the three months ended June 30, |    |
|----------------------------------------------------------------------------------------------|--------|-------------------------------------|---------|
|                                                                                         |   | 2009                                |    |   | 2008 |   |
|                                                                                         |   | AverageBalance                      |    |   | Interest |   |   | AverageRate |   |   | AverageBalance |   |   | Interest |   |   | AverageRate |   |
|                                                                                         |   | (Dollars in thousands)              |    |
| Interest-earning assets:                                                                     |   |                                |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Loans receivable, net(1)                                                                     |   | $                                   | 252,138 |   |   | $ | 3,682 |   |   |   | 5.84 | % |   | $ | 242,870 |   |   | $ | 3,814 |   |   |   | 6.28 | % |
| Investment securities(2)                                                                     |   |                                | 115,692 |   |   |   | 1,403 |   |   |   | 4.85 |   |   |   | 123,869 |   |   |   | 1,519 |   |   |   | 4.91 |   |
| Interest-earning deposits(3)                                                                 |   |                                | 8,608   |   |   |   | 57 |   |   |   | 2.65 |   |   |   | 11,851 |   |   |   | 99 |   |   |   | 3.34 |   |
| Total interest-earning assets                                                                |   |                                | 376,438 |   |   |   | 5,142 |   |   |   | 5.46 |   |   |   | 378,590 |   |   |   | 5,432 |   |   |   | 5.74 |   |
| Non-interest-earning assets                                                                  |   |                                | 29,711  |   |   |   |   |   |   |   |   |   |   |   | 24,524 |   |   |   |   |   |   |   |   |   |
|                                                                                         |   |                                |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total assets                                                                                 |   | $                                   | 406,149 |   |   |   |   |   |   |   |   |   |   | $ | 403,114 |   |   |   |   |   |   |   |   |   |
|                                                                                         |   |                                |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing liabilities:                                                                |   |                                |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Deposits                                                                                     |   | $                                   | 309,036 |   |   |   | 1,382 |   |   |   | 1.79 |   |   | $ | 316,777 |   |   |   | 2,096 |   |   |   | 2.65 |   |
| Other short-term borrowings                                                                  |   |                                | 9,843   |   |   |   | 10 |   |   |   | 0.41 |   |   |   | 8,049 |   |   |   | 21 |   |   |   | 1.04 |   |
| Borrowings                                                                                   |   |                                | 48,421  |   |   |   | 502 |   |   |   | 4.15 |   |   |   | 40,002 |   |   |   | 470 |   |   |   | 4.70 |   |
| Total interest-bearing liabilities                                                           |   |                                | 367,300 |   |   |   | 1,894 |   |   |   | 2.06 |   |   |   | 364,828 |   |   |   | 2,587 |   |   |   | 2.84 |   |
|                                                                                         |   |                                |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Non-interest bearing  liabilities                                                  |   |                                | 3,531   |   |   |   |   |   |   |   |   |   |   |   | 4,845 |   |   |   |   |   |   |   |   |   |
| Total liabilities                                                                            |   |                                | 370,831 |   |   |   |   |   |   |   |   |   |   |   | 369,673 |   |   |   |   |   |   |   |   |   |
| Stockholders’ equity                                                                   |   |                                | 35,318  |   |   |   |   |   |   |   |   |   |   |   | 33,441 |   |   |   |   |   |   |   |   |   |
| Total liabilities and stockholders’ equity                                             |   | $                                   | 406,149 |   |   |   |   |   |   |   |   |   |   | $ | 403,114 |   |   |   |   |   |   |   |   |   |
| Net interest income                                                                          |   |                                |    |   |   | $ | 3,248 |   |   |   |   |   |   |   |   |   |   | $ | 2,845 |   |   |   |   |   |
| Interest rate spread(4)                                                                      |   |                                |    |   |   |   |   |   |   |   | 3.40 | % |   |   |   |   |   |   |   |   |   |   | 2.90 | % |
| Net yield on interest-earning assets(5)                                                      |   |                                |    |   |   |   |   |   |   |   | 3.45 | % |   |   |   |   |   |   |   |   |   |   | 3.01 | % |
| Ratio of average interest- earning assets to average  interest-bearing liabilities |   |                                |    |   |   |   |   |   |   |   | 102.49 | % |   |   |   |   |   |   |   |   |   |   | 103.77 | % |

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

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

| (3) | Includes federal funds sold and 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

E

E

----

Index

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

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

| 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 |
|---------|---------------------------------|

| ITEM 4. | Submission of Matters to a Vote of Security Holders |
|---------|-----------------------------------------------------|

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

----

Index

| ITEM 6. | Exhibits |
|---------|----------|

|   | 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

A

| Date:  | August 10, 2009 |   | By:    | /s/Phillip E. Becker                  |
|--------|-----------------|--------|--------|---------------------------------------|
|   |            |   |   | Phillip E. Becker                     |
|   |            |   |   | President and Chief Executive Officer |
|   |            |   |   |                                  |
|   |            |   |   |                                  |
|   |            |   |   |                                  |
| Date:  | August 10, 2009 |   | By:    | /s/H. Stewart Fitz Gibbon III         |
|   |            |   |   | H. Stewart Fitz Gibbon III            |
|   |            |   |   | Executive Vice President and          |
|   |            |   |   | Chief Financial Officer               |