| [X] | QUARTERLY      REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF      1934 |
|-----|---------------------------------------------------------------------------------------------------|

| For      the quarterly period ended | September      30, 2008 |   |
|-------------------------------------|-------------------------|--------|

| [   ] | TRANSITION      REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF      1934 |
|----------------------|----------------------------------------------------------------------------------------------------|

| 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)               |                        |

----

d

|                           |                                                                                             | 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 | 13     |
|                           |                                                                                             |   |
| Item 3                         | Quantitative and Qualitative Disclosures About Market      Risk                                  | 25     |
|                           |                                                                                             |   |
| Item 4T                        | Controls and Procedures                                                                          | 25     |
|                           |                                                                                             |   |
|                           |                                                                                             |   |
| PART II - OTHER INFORMATION    |                                                                                             |
|                           |                                                                                             |   |
| Item 1                         | Legal Proceedings                                                                                | 26     |
|                           |                                                                                             |   |
| Item 1A                        | Risk Factors                                                                                     | 26     |
|                           |                                                                                             |   |
| Item 2                         | Unregistered Sales of Equity Securities and Use of      Proceeds                                 | 26     |
|                           |                                                                                             |   |
| Item 3                         | Defaults Upon Senior Securities                                                                  | 26     |
|                           |                                                                                             |   |
| Item 4                         | Submission of Matters to a Vote of Security      Holders                                         | 26     |
|                           |                                                                                             |   |
| Item 5                         | Other Information                                                                                | 27     |
|                           |                                                                                             |   |
| Item 6                         | Exhibits                                                                                         | 27     |
|                           |                                                                                             |   |
| SIGNATURES                     | 28                                                                                               |

----

Index

n

o

|                                                                                                                                                |   | September      30, 2008 |    |   | March      31, 2008 |   |
|-----------------------------------------------------------------------------------------------------------------------------------------------------|--------|-------------------------|---------|--------|---------------------|--------|
|                                                                                                                                                |   | (Unaudited)             |    |   |                |   |
| ASSETS                                                                                                                                              |   |                    |    |   |                |   |
| Cash      and due from banks                                                                                                                        |   | $                       | 1,621   |   |                | $      | 1,901 |   |
| Federal      funds sold                                                                                                                             |   |                    | – |   |                |   | 6,000 |   |
| Interest-bearing      demand deposits                                                                                                               |   |                    | 5,705   |   |                |   | 5,162 |   |
| Cash      and cash equivalents                                                                                                                      |   |                    | 7,326   |   |                |   | 13,063 |   |
| Available-for-sale      securities                                                                                                                  |   |                    | 112,164 |   |                |   | 120,170 |   |
| Held-to-maturity      securities                                                                                                                    |   |                    | 1,065   |   |                |   | 1,240 |   |
| Loans      receivable – net of allowance for loan losses of $1,937 and $1,777      atSeptember      30, 2008 and March 31, 2008, respectively |   |                    | 251,349 |   |                |   | 242,255 |   |
| Premises      and equipment                                                                                                                         |   |                    | 7,782   |   |                |   | 8,012 |   |
| Federal      Home Loan Bank stock                                                                                                                   |   |                    | 5,025   |   |                |   | 4,892 |   |
| Foreclosed      assets held for sale  -  net                                                                                    |   |                    | 125     |   |                |   | 93 |   |
| Accrued      interest receivable                                                                                                                    |   |                    | 1,719   |   |                |   | 1,753 |   |
| Bank-owned      life insurance                                                                                                                      |   |                    | 6,388   |   |                |   | 6,268 |   |
| Goodwill                                                                                                                                            |   |                    | 1,719   |   |                |   | 1,719 |   |
| Other      intangible assets                                                                                                                        |   |                    | 523     |   |                |   | 577 |   |
| Other      assets                                                                                                                                   |   |                    | 1,125   |   |                |   | 1,360 |   |
| Prepaid      federal income taxes                                                                                                                   |   |                    | – |   |                |   | 182 |   |
| Total      assets                                                                                                                                   |   | $                       | 396,310 |   |                | $      | 401,584 |   |
|                                                                                                                                                |   |                    |    |   |                |   |   |   |
|                                                                                                                                                |   |                    |    |   |                |   |   |   |
| LIABILITIES      AND STOCKHOLDERS’ EQUITY                                                                                                     |   |                    |    |   |                |   |   |   |
|     Liabilities                                                                                                                 |   |                    |    |   |                |   |   |   |
|       Deposits                                                                                                        |   |                    |    |   |                |   |   |   |
|   Demand                                                                                                                                  |   | $                       | 52,416  |   |                | $      | 50,884 |   |
|   Savings      and money market                                                                                                           |   |                    | 81,664  |   |                |   | 83,811 |   |
|   Time                                                                                                                                    |   |                    | 175,631 |   |                |   | 183,036 |   |
| Total      deposits                                                                                                                                 |   |                    | 309,711 |   |                |   | 317,731 |   |
| Other      short term borrowings                                                                                                                    |   |                    | 9,535   |   |                |   | 7,287 |   |
| Federal      Home Loan Bank advances                                                                                                                |   |                    | 41,000  |   |                |   | 38,500 |   |
| Accrued      interest payable and other liabilities                                                                                                 |   |                    | 2,753   |   |                |   | 2,511 |   |
| Accrued      federal income taxes                                                                                                                   |   |                    | 72      |   |                |   | – |   |
| Deferred      federal income taxes                                                                                                                  |   |                    | 611     |   |                |   | 1,451 |   |
| Total      liabilities                                                                                                                              |   |                    | 363,682 |   |                |   | 367,480 |   |
|                                                                                                                                                |   |                    |    |   |                |   |   |   |
| 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                                                                                                                     |   |                    | 36,148  |   |                |   | 36,127 |   |
| Retained      earnings                                                                                                                              |   |                    | 12,413  |   |                |   | 12,450 |   |
| Shares      acquired by ESOP                                                                                                                        |   |                    | (1,097  | )      |                |   | (1,097 | ) |
| Accumulated      other comprehensive income (loss), net of tax effects                                                                              |   |                    | (704    | )      |                |   | 707 |   |
| Treasury      stock, at cost                                                                                                                        |   |                    |    |   |                |   |   |   |
|       Common: September 30, 2008 -      974,618 shares, March 31, 2008 – 969,627 shares                              |   |                    | (14,530 | )      |                |   | (14,481 | ) |
| Total      stockholders’ equity                                                                                                               |   |                    | 32,628  |   |                |   | 34,104 |   |
| Total      liabilities and stockholders’ equity                                                                                               |   | $                       | 396,310 |   |                | $      | 401,584 |   |

----

Index

|                                                              |   | Six      months    |   |   | Three      months  |   |
|-------------------------------------------------------------------|--------|--------------------|--------|--------|--------------------|--------|
|                                                              |   | ended              |   |   | ended              |   |
|                                                              |   | September      30, |   |   | September      30, |   |
|                                                              |   | 2008               |   |   | 2007               |   |   | 2008 |   |   | 2007 |   |
| Interest      and Dividend Income                                 |   |               |   |   |               |   |   |   |   |   |   |   |
| Loans                                                             |   | $                  | 7,681  |   |               | $      | 8,314 |   |   | $ | 3,867 |   |   | $ | 4,224 |   |
| Securities                                                        |   |               | 3,012  |   |               |   | 2,912 |   |   |   | 1,493 |   |   |   | 1,458 |   |
| Dividends      on Federal Home Loan Bank stock and other          |   |               | 171    |   |               |   | 266 |   |   |   | 72 |   |   |   | 111 |   |
| Total      interest and dividend income                           |   |               | 10,864 |   |               |   | 11,492 |   |   |   | 5,432 |   |   |   | 5,793 |   |
| Interest      Expense                                             |   |               |   |   |               |   |   |   |   |   |   |   |   |   |   |   |
| Deposits                                                          |   |               | 3,990  |   |               |   | 4,952 |   |   |   | 1,894 |   |   |   | 2,479 |   |
| Other      short term borrowings                                  |   |               | 44     |   |               |   | 117 |   |   |   | 23 |   |   |   | 59 |   |
| Federal      Home Loan Bank advances                              |   |               | 935    |   |               |   | 823 |   |   |   | 465 |   |   |   | 437 |   |
| Total      interest expense                                       |   |               | 4,969  |   |               |   | 5,892 |   |   |   | 2,382 |   |   |   | 2,975 |   |
|                                                              |   |               |   |   |               |   |   |   |   |   |   |   |   |   |   |   |
| Net      Interest Income                                          |   |               | 5,895  |   |               |   | 5,600 |   |   |   | 3,050 |   |   |   | 2,818 |   |
|                                                              |   |               |   |   |               |   |   |   |   |   |   |   |   |   |   |   |
| Provision      for Loan Losses                                    |   |               | 161    |   |               |   | 55 |   |   |   | 100 |   |   |   | 25 |   |
|                                                              |   |               |   |   |               |   |   |   |   |   |   |   |   |   |   |   |
| Net      Interest Income After Provision for Loan Losses          |   |               | 5,734  |   |               |   | 5,545 |   |   |   | 2,950 |   |   |   | 2,793 |   |
|                                                              |   |               |   |   |               |   |   |   |   |   |   |   |   |   |   |   |
| Noninterest      Income                                           |   |               |   |   |               |   |   |   |   |   |   |   |   |   |   |   |
| Gain      on disposal of real estate acquired through foreclosure |   |               | 10     |   |               |   | 31 |   |   |   | 10 |   |   |   | 31 |   |
| Trust      income                                                 |   |               | 91     |   |               |   | 96 |   |   |   | 45 |   |   |   | 40 |   |
| Earnings      on bank-owned life insurance                        |   |               | 112    |   |               |   | 116 |   |   |   | 57 |   |   |   | 58 |   |
| Service      fees, charges and other operating                    |   |               | 676    |   |               |   | 674 |   |   |   | 348 |   |   |   | 340 |   |
| Total      noninterest income                                     |   |               | 889    |   |               |   | 917 |   |   |   | 460 |   |   |   | 469 |   |
|                                                              |   |               |   |   |               |   |   |   |   |   |   |   |   |   |   |   |
| Noninterest  Expense                                    |   |               |   |   |               |   |   |   |   |   |   |   |   |   |   |   |
| Salary      and employee benefits                                 |   |               | 2,778  |   |               |   | 2,783 |   |   |   | 1,396 |   |   |   | 1,400 |   |
| Net      occupancy and equipment expense                          |   |               | 1,023  |   |               |   | 983 |   |   |   | 522 |   |   |   | 497 |   |
| Federal      deposit insurance premiums                           |   |               | 22     |   |               |   | 19 |   |   |   | 13 |   |   |   | 9 |   |
| Franchise      taxes                                              |   |               | 221    |   |               |   | 194 |   |   |   | 119 |   |   |   | 98 |   |
| Amortization      of intangible assets                            |   |               | 53     |   |               |   | 53 |   |   |   | 26 |   |   |   | 26 |   |
| Other                                                             |   |               | 1,003  |   |               |   | 992 |   |   |   | 509 |   |   |   | 500 |   |
| Total      noninterest expense                                    |   |               | 5,100  |   |               |   | 5,024 |   |   |   | 2,585 |   |   |   | 2,530 |   |
|                                                              |   |               |   |   |               |   |   |   |   |   |   |   |   |   |   |   |
| Income      Before Federal Income Taxes                           |   |               | 1,523  |   |               |   | 1,438 |   |   |   | 825 |   |   |   | 732 |   |
|                                                              |   |               |   |   |               |   |   |   |   |   |   |   |   |   |   |   |
| Provision      for Federal Income Taxes                           |   |               | 391    |   |               |   | 368 |   |   |   | 224 |   |   |   | 185 |   |
|                                                              |   |               |   |   |               |   |   |   |   |   |   |   |   |   |   |   |
| Net      Income                                                   |   | $                  | 1,132  |   |               | $      | 1,070 |   |   | $ | 601 |   |   | $ | 547 |   |
|                                                              |   |               |   |   |               |   |   |   |   |   |   |   |   |   |   |   |
| Basic      Earnings Per Share                                     |   | $                  | .39    |   |               | $      | .35 |   |   | $ | .21 |   |   | $ | .18 |   |
| Diluted      Earnings Per Share                                   |   | $                  | .39    |   |               | $      | .35 |   |   | $ | .21 |   |   | $ | .18 |   |
| Dividends      Per Share                                          |   | $                  | .24    |   |               | $      | .24 |   |   | $ | .12 |   |   | $ | .12 |   |

----

Index

e

|                                                                                                  |   | Six      months    |   |   | Three      months  |   |
|-------------------------------------------------------------------------------------------------------|--------|--------------------|--------|--------|--------------------|--------|
|                                                                                                  |   | ended              |   |   | ended              |   |
|                                                                                                  |   | September      30, |   |   | September      30, |   |
|                                                                                                  |   | 2008               |   |   | 2007               |   |   | 2008 |   |   | 2007 |   |
|                                                                                                  |   |               |   |   |               |   |   |   |   |   |   |   |
| Net      income                                                                                       |   | $                  | 1,132  |   |               | $      | 1,070 |   |   | $ | 601 |   |   | $ | 547 |   |
|                                                                                                  |   |               |   |   |               |   |   |   |   |   |   |   |   |   |   |   |
| Other      comprehensive Income (loss):                                                               |   |               |   |   |               |   |   |   |   |   |   |   |   |   |   |   |
|   Unrealized      holding gains (losses) on securities,  net of      related      |   |               |   |   |               |   |   |   |   |   |   |   |   |   |   |   |
|       taxes      (benefits) of $(727), $(16), $(60) and $416 during the |   |               |   |   |               |   |   |   |   |   |   |   |   |   |   |   |
|       respective      periods                                           |   |               | (1,411 | )      |               |   | (32 | ) |   |   | (117 | ) |   |   | 807 |   |
|                                                                                                  |   |               |   |   |               |   |   |   |   |   |   |   |   |   |   |   |
| Comprehensive      income (loss)                                                                      |   | $                  | (279   | )      |               | $      | 1,038 |   |   | $ | 484 |   |   | $ | 1,354 |   |
|                                                                                                  |   |               |   |   |               |   |   |   |   |   |   |   |   |   |   |   |
| Accumulated      comprehensive loss                                                                   |   | $                  | (704   | )      |               | $      | (508 | ) |   | $ | (704 | ) |   | $ | (508 | ) |

----

Index

|                                                           |   | 2008   |    |   | 2007   |   |
|----------------------------------------------------------------|--------|--------|---------|--------|--------|--------|
|                                                           |   |   |    |   |   |   |
| Operating      Activities                                      |   |   |    |   |   |   |
| Net      Income                                                |   | $      | 1,132   |   |   | $      | 1,070 |   |
| Items      not requiring (providing) cash                      |   |   |    |   |   |   |   |   |
| Depreciation      and amortization                             |   |   | 334     |   |   |   | 321 |   |
| Provision      for loan losses                                 |   |   | 161     |   |   |   | 55 |   |
| Amortization      of premiums and discounts on securities      |   |   | (54     | )      |   |   | (33 | ) |
| Amortization      of mortgage servicing rights                 |   |   | 15      |   |   |   | 16 |   |
| Amortization      of deferred loan origination fees            |   |   | (22     | )      |   |   | (26 | ) |
| Amortization      of intangible assets                         |   |   | 53      |   |   |   | 53 |   |
| Federal      Home Loan Bank stock dividends                    |   |   | (133    | )      |   |   | – |   |
| Increase      in value of bank owned life insurance            |   |   | (112    | )      |   |   | (116 | ) |
| Changes      in                                                |   |   |    |   |   |   |   |   |
| Accrued      interest receivable                               |   |   | 34      |   |   |   | 151 |   |
| Other      assets                                              |   |   | 402     |   |   |   | 19 |   |
| Interest      payable and other liabilities                    |   |   | (60     | )      |   |   | 56 |   |
| Deferred      income taxes                                     |   |   | (113    | )      |   |   | (91 | ) |
| Net      cash provided by operating activities                 |   |   | 1,637   |   |   |   | 1,475 |   |
|                                                           |   |   |    |   |   |   |   |   |
| Investing      Activities                                      |   |   |    |   |   |   |   |   |
| Purchase      of  available-for-sale securities      |   |   | (13,309 | )      |   |   | (23,020 | ) |
| Proceeds      from maturities of available-for-sale securities |   |   | 19,232  |   |   |   | 27,411 |   |
| Proceeds      from maturities of held-to-maturity securities   |   |   | 174     |   |   |   | 305 |   |
| Net      change in loans                                       |   |   | (9,427  | )      |   |   | (5,446 | ) |
| Purchase      of premises and equipment                        |   |   | (104    | )      |   |   | (255 | ) |
| Proceeds      from the sale of foreclosed assets               |   |   | 154     |   |   |   | – |   |
| Net      cash used in investing activities                     |   |   | (3,280  | )      |   |   | (1,005 | ) |
|                                                           |   |   |    |   |   |   |   |   |

----

Index

|                                                                                            |   | 2008   |    |   | 2007   |   |
|-------------------------------------------------------------------------------------------------|--------|--------|---------|--------|--------|--------|
|                                                                                            |   |   |    |
|                                                                                            |   |   |    |   |   |   |
| Financing      Activities                                                                       |   |   |    |   |   |   |
| Net      change in deposits                                                                     |   | $      | (8,020  | )      |   | $      | (11,360 | ) |
| Net      change in other short-term borrowings                                                  |   |   | 2,248   |   |   |   | 451 |   |
| Proceeds      from Federal Home Loan Bank advances                                              |   |   | 33,035  |   |   |   | 27,000 |   |
| Repayments      of Federal Home Loan Bank advances                                              |   |   | (30,535 | )      |   |   | (22,500 | ) |
| Advances      by borrowers for taxes and insurance                                              |   |   | (74     | )      |   |   | 40 |   |
| Cash      dividends paid                                                                        |   |   | (699    | )      |   |   | (760 | ) |
| Treasury      stock purchases                                                                   |   |   | (49     | )      |   |   | (643 | ) |
| Net      cash used in financing activities                                                      |   |   | (4,094  | )      |   |   | (7,772 | ) |
|                                                                                            |   |   |    |   |   |   |   |   |
| Decrease      in Cash and Cash Equivalents                                                      |   |   | (5,737  | )      |   |   | (7,302 | ) |
|                                                                                            |   |   |    |   |   |   |   |   |
| Cash      and Cash equivalents, Beginning of period                                             |   |   | 13,063  |   |   |   | 17,215 |   |
|                                                                                            |   |   |    |   |   |   |   |   |
| Cash      and Cash equivalents, End of period                                                   |   | $      | 7,326   |   |   | $      | 9,913 |   |
|                                                                                            |   |   |    |   |   |   |   |   |
| Supplemental      Cash Flows Information      Cash      Paid For: |   |   |    |   |   |   |   |   |
| Interest      on deposits and borrowings                                                        |   | $      | 5,003   |   |   | $      | 5,804 |   |
|                                                                                            |   |   |    |   |   |   |   |   |
| Federal      income taxes                                                                       |   | $      | 250     |   |   | $      | 535 |   |
|                                                                                            |   |   |    |   |   |   |   |   |
|                                                                                            |   |   |    |   |   |   |   |   |
| Supplemental      Disclosure of Non-Cash Investing and Financing Activities                     |   |   |    |   |   |   |   |   |
| Transfers      from loans to foreclosed assets held for sale                                    |   | $      | 187     |   |   | $      | 113 |   |
|                                                                                            |   |   |    |   |   |   |   |   |
| Unrealized      losses on securities designated as available for sale,                          |   |   |    |   |   |   |   |   |
|     net      of related tax effects                                         |   | $      | (1,411  | )      |   | $      | (32 | ) |
|                                                                                            |   |   |    |   |   |   |   |   |
| Dividends      payable                                                                          |   | $      | 360     |   |   | $      | 377 |   |

----

Index

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

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

----

Index

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

|                                     |   | For      the six months ended |      |   | For      the three months ended |   |
|------------------------------------------|--------|-------------------------------|-----------|--------|---------------------------------|--------|
|                                     |   | September      30,            |      |   | September      30,              |   |
|                                     |   | 2008                          |      |   | 2007                            |   |   | 2008 |   |   | 2007 |   |
|                                     |   |                          |      |   |                            |   |   |   |   |   |   |   |
| Weighted-average      common shares      |   |                          |      |   |                            |   |   |   |   |   |   |   |
|   outstanding      (basic)     |   |                          | 2,904,166 |   |                            |   | 3,078,585 |   |   |   | 2,902,421 |   |   |   | 3,071,966 |   |
| Dilutive      effect of assumed exercise |   |                          |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
|   of      stock options        |   |                          | -         |   |                            |   | 82 |   |   |   | - |   |   |   | - |   |
| Weighted-average      common shares      |   |                          |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
|   outstanding      (diluted)   |   |                          | 2,904,166 |   |                            |   | 3,078,667 |   |   |   | 2,902,421 |   |   |   | 3,071,966 |   |

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

----

Index

|                                    |   | Six      months endedSeptember      30, |                 |   | Year      endedMarch      31, |                                                     |
|-----------------------------------------|--------|-----------------------------------------|----------------------|--------|-------------------------------|----------------------------------------------------------|
|                                    |   | 2008                                    |                 |   | 2008                          |                                                     |   | 2007 |   |
|                                    |   |   Shares                      |                 |   | WeightedAverageexerciseprice  |                                                     |   |   Shares |   |   | WeightedAverageexerciseprice |   |   |   Shares |   |   | WeightedAverageexerciseprice |   |
| Outstanding      at beginning of period |   |                                    | 104,224              |   |                          | $                                                        | 13.95 |   |   |   | 114,224 |   |   | $ | 13.95 |   |   |   | 179,148 |   |   | $ | 13.92 |   |
| Granted                                 |   |                                    | ––       |   |                          |                                                     | –– |   |   |   | –– |   |   |   | –– |   |   |   | –– |   |   |   | –– |   |
| Exercised                               |   |                                    | ––       |   |                          |                                                     | –– |   |   |   | –– |   |   |   | –– |   |   |   | (60,924 | ) |   |   | 13.86 |   |
| Forfeited                               |   |                                    |  –– |   |                          | ­­­­­­ –– |   |   |   | 10,000 |   |   |   | 13.95 |   |   |   | (4,000 | ) |   |   | 13.95 |   |
|                                    |   |                                    |                 |   |                          |                                                     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Outstanding      at end of period       |   |                                    |  104,224        |   |                          | $                                                        | 13.95 |   |   |   |  104,224 |   |   | $ | 13.95 |   |   |   |  114,224 |   |   | $ | 13.95 |   |
|                                    |   |                                    |                 |   |                          |                                                     |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Options      exercisable at period-end  |   |                                    |   104,224  |   |                          | $                                                        | 13.95 |   |   |   | 104,224 |   |   | $ | 13.95 |   |   |   | 114,224 |   |   | $ | 13.95 |   |

| Number      outstanding                                  |   |           | 104,224 |   |
|----------------------------------------------------------|--------|----------------|---------|--------|
| Exercise      price on all remaining options outstanding |   | $              | 13.95   |   |
| Weighted-average      remaining contractual life         |   | 5.5      years |    |

| Note      5:   | Recent      Accounting Developments |
|--------------------------|-------------------------------------|

----

Index

| Note      6:   | 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(in      thousands)                         |   |
|------------------------------------|--------|-----------------|---------|--------|-------------------------------------------------------------------------------|--------|
|                               |   | Fair      Value |    |   | Quoted      Pricesin      ActiveMarkets      forIdenticalAssets(Level      1) |   |   | SignificantOtherObservableInputs(Level      2) |   |   | SignificantUnobservableInputs(Level      3) |   |
|                               |   |            |    |   |                                                                          |   |   |   |   |   |   |   |
| Available-for-sale      securities |   | $               | 112,164 |   |                                                                          | $      | –– |   |   | $ | 110,621 |   |   | $ | 1,543 |   |

| Available-for-sale      securities-Fair Value       |   |
|-----------------------------------------------------|--------|
| Beginning      balance                              |   | $ | - |   |
|                                                |   |   |   |   |
| Total      realized and unrealized gains and losses |   |   |   |   |
| Included      in net income                         |   |   | - |   |
| Included      in other comprehensive income         |   |   | 3 |   |
| Purchases,      issuances and settlements           |   |   | - |   |
| Transfers      into Level 3                         |   |   | 1,540 |   |
|                                                |   |   |   |   |
| Ending      balance                                 |   | $ | 1,543 |   |

----

Index

|                |   |            |   |   | Fair      Value Measurements Using(in      thousands)                         |   |
|---------------------|--------|-----------------|--------|--------|-------------------------------------------------------------------------------|--------|
|                |   | Fair      Value |   |   | Quoted      Pricesin      ActiveMarkets      forIdenticalAssets(Level      1) |   |   | SignificantOtherObservableInputs(Level      2) |   |   | SignificantUnobservableInputs(Level      3) |   |
|                |   |            |   |   |                                                                          |   |   |   |   |   |   |   |
| Impaired      loans |   | $               | 953    |   |                                                                          | $      | –– |   |   | $ | –– |   |   | $ | 953 |   |

----

Index

a

|                                     |   | September      30, 2008     |          |   | March      31, 2008 |   |
|------------------------------------------|--------|-----------------------------|---------------|--------|---------------------|--------|
|                                     |   | (Dollars      in thousands) |          |
| Mortgage      loans:                     |   |                        |          |   |                |   |   |   |   |   |   |   |
| One-      to four-family residential(1)  |   | $                           | 141,347       |   |                |   | 54.99 | % |   | $ | 142,010 |   |   |   | 57.49 | % |
| Residential      construction loans      |   |                        | 2,219         |   |                |   | .86 |   |   |   | 1,636 |   |   |   | .66 |   |
| Multi-family      residential            |   |                        | 9,079         |   |                |   | 3.53 |   |   |   | 8,929 |   |   |   | 3.61 |   |
| Non-residential      real estate/land(2) |   |                        | 71,359        |   |                |   | 27.76 |   |   |   | 61,407 |   |   |   | 24.86 |   |
| Total      mortgage loans                |   |                        | 224,004       |   |                |   | 87.14 |   |   |   | 213,982 |   |   |   | 86.62 |   |
| Other      loans:                        |   |                        |          |   |                |   |   |   |   |   |   |   |   |   |   |   |
| Consumer      loans(3)                   |   |                        | 5,402         |   |                |   | 2.10 |   |   |   | 6,183 |   |   |   | 2.50 |   |
| Commercial      business loans           |   |                        | 27,665        |   |                |   | 10.76 |   |   |   | 26,873 |   |   |   | 10.88 |   |
| Total      other loans                   |   |                        | 33,067        |   |                |   | 12.86 |   |   |   | 33,056 |   |   |   | 13.38 |   |
| Total      loans before net items        |   |                        | 257,071       |   |                |   | 100.00 | % |   |   | 247,038 |   |   |   | 100.00 | % |
| Less:                                    |   |                        |          |   |                |   |   |   |   |   |   |   |   |   |   |   |
| Loans      in process                    |   |                        | 3,388         |   |                |   |   |   |   |   | 2,616 |   |   |   |   |   |
| Deferred      loan origination fees      |   |                        | 397           |   |                |   |   |   |   |   | 390 |   |   |   |   |   |
| Allowance      for loan losses           |   |                        | 1,937         |   |                |   |   |   |   |   | 1,777 |   |   |   |   |   |
| Total      loans receivable, net         |   | $                           |  251,349 |   |                |   |   |   |   | $ | 242,255 |   |   |   |   |   |
| Mortgage-backed      securities, net(4)  |   | $                           |  86,511  |   |                |   |   |   |   | $ |  85,879 |   |   |   |   |   |

| (1) | Includes      equity loans collateralized by second mortgages in the aggregate amount of      $16.8 million and $17.0 million as of  September 30, 2008 and      March 31, 2008, respectively.  Such loans have been underwritten      on substantially the same basis as the Company’s first mortgage      loans. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (2) | Includes      land loans of $204,000 and $175,000 as of September 30, 2008 and March 31,      2008, respectively. |
|-----|-------------------------------------------------------------------------------------------------------------------|

| (3) | Includes      second mortgage loans of $1.4 million and $1.7 million as of September 30,      2008 and March 31, 2008,respectively. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------|

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

----

Index

|                                                    |   | September      30,2008      |          |   | March      31,2008 |   |
|---------------------------------------------------------|--------|-----------------------------|---------------|--------|--------------------|--------|
|                                                    |   | (Dollars      in thousands) |          |
| Past      due loans 30-89 days:                         |   |                        |          |   |               |   |
| Mortgage      loans:                                    |   |                        |          |   |               |   |
| One-      to four-family residential                    |   | $                           | 1,166         |   |               | $      | 812 |   |
| Nonresidential                                          |   |                        | 38            |   |               |   | – |   |
| Land                                                    |   |                        | –       |   |               |   | – |   |
| Non-mortgage      loans:                                |   |                        |          |   |               |   |   |   |
| Commercial      business loans                          |   |                        | –       |   |               |   | – |   |
| Consumer      loans                                     |   |                        | 28            |   |               |   | 7 |   |
|                                                    |   | $                           | 1,232         |   |               | $      | 819 |   |
|                                                    |   |                        |          |   |               |   |   |   |
| Non-performing      loans:                              |   |                        |          |   |               |   |   |   |
| Mortgage      loans:                                    |   |                        |          |   |               |   |   |   |
| One-      to four-family residential                    |   | $                           | 1,427         |   |               | $      | 790 |   |
| All      other mortgage loans                           |   |                        | 1,051         |   |               |   | 1,038 |   |
| Non-mortgage      loans:                                |   |                        |          |   |               |   |   |   |
| Commercial      business loans                          |   |                        | 120           |   |               |   | 42 |   |
| Consumer                                                |   |                        |   1 |   |               |   | 1 |   |
| Total      non-performing loans                         |   |                        | 2,599         |   |               |   | 1,871 |   |
| Total      real estate acquired through foreclosure     |   |                        | 125           |   |               |   | 93 |   |
| Total      non-performing assets                        |   | $                           | 2,724         |   |               | $      | 1,964 |   |
|                                                    |   |                        |          |   |               |   |   |   |
|                                                    |   |                        |          |   |               |   |   |   |
| Total      non-performing loans to net loans receivable |   |                        | 1.03          | %      |               |   | 0.77 | % |
| Total      non-performing loans to total assets         |   |                        | 0.66          | %      |               |   | 0.47 | % |
| Total      non-performing assets to total assets        |   |                        | 0.69          | %      |               |   | 0.49 | % |

----

Index

|                                                                                       |   |                                                     |           |
|--------------------------------------------------------------------------------------------|--------|----------------------------------------------------------|----------------|
|                                                                                       |   | For      the sixmonths      endedSeptember      30, 2008 |           |   | For      theyear      endedMarch      31, 2008 |   |
|                                                                                       |   | (Dollars      in thousands)                              |           |
|                                                                                       |   |                                                     |           |   |   |   |
| Loans      receivable, net                                                                 |   | $                                                        | 251,349        |   |   | $ | 242,255 |   |
| Average      loans receivable, net                                                         |   | $                                                        | 245,039        |   |   | $ | 244,800 |   |
| Allowance      balance (at beginning of period)                                            |   | $                                                        | 1,777          |   |   | $ | 1,523 |   |
| Provision      for losses                                                                  |   |                                                     | 161            |   |   |   | 234 |   |
| Charge-offs:                                                                               |   |                                                     |           |   |   |   |   |   |
| Mortgage      loans:                                                                       |   |                                                     |           |   |   |   |   |   |
| One-      to four-family                                                                   |   |                                                     | (2             | ) |   |   | (15 | ) |
| Residential      construction                                                              |   |                                                     | –– |   |   |   | –– |   |
| Multi-family      residential                                                              |   |                                                     | –– |   |   |   | –– |   |
| Non-residential      real estate and land                                                  |   |                                                     | –– |   |   |   | –– |   |
| Other      loans:                                                                          |   |                                                     |           |   |   |   |   |   |
| Consumer                                                                                   |   |                                                     | (3             | ) |   |   | (1 | ) |
| Commercial                                                                                 |   |                                                     | –– |   |   |   | –– |   |
| Gross      charge-offs                                                                     |   |                                                     | (5             | ) |   |   | (16 | ) |
| Recoveries:                                                                                |   |                                                     |           |   |   |   |   |   |
| Mortgage      loans:                                                                       |   |                                                     |           |   |   |   |   |   |
| One-      to four-family                                                                   |   |                                                     | –– |   |   |   | 13 |   |
| Residential      construction                                                              |   |                                                     | –– |   |   |   | –– |   |
| Multi-family      residential                                                              |   |                                                     | –– |   |   |   | –– |   |
| Non-residential      real estate and land                                                  |   |                                                     | –– |   |   |   | –– |   |
| Other      loans:                                                                          |   |                                                     |           |   |   |   |   |   |
| Consumer                                                                                   |   |                                                     | 4              |   |   |   | 23 |   |
| Commercial                                                                                 |   |                                                     | –– |   |   |   | –– |   |
| Gross      recoveries                                                                      |   |                                                     | 4              |   |   |   | 36 |   |
| Net      (charge-offs) recoveries                                                          |   |                                                     | (1             | ) |   |   | 20 |   |
|                                                                                       |   |                                                     |           |   |   |   |   |   |
| Allowance      for loan losses balance (at end of period)                                  |   | $                                                        | 1,937          |   |   | $ | 1,777 |   |
| Allowance      for loan losses as a percent of loans receivable, net at end of      period |   |                                                     | 0.77           | % |   |   | 0.73 | % |
| Net      loans charged off as a percent of average loans receivable,      net              |   |                                                     | 0.00           | % |   |   | (0.01 | )% |
| Ratio      of allowance for loan losses to non-                                            |   |                                                     |           |   |   |   |   |   |
|   performing      loans at end of period                                         |   |                                                     | 74.53          | % |   |   | 94.98 | % |

----

Index

----

Index

|                                                                                                   |   | For      the six months ended September 30, |    |
|--------------------------------------------------------------------------------------------------------|--------|---------------------------------------------|---------|
|                                                                                                   |   | 2008                                        |    |   | 2007 |   |
|                                                                                                   |   | AverageBalance                              |    |   | Interest |   |   | AverageRate |   |   | AverageBalance |   |   | Interest |   |   | AverageRate |   |
|                                                                                                   |   | (Dollars      in thousands)                 |    |
| Interest-earning      assets:                                                                          |   |                                        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Loans      receivable, net1                                                                            |   | $                                           | 245,039 |   |   | $ | 7,681 |   |   |   | 6.27 | % |   | $ | 242,817 |   |   | $ | 8,314 |   |   |   | 6.85 | % |
| Investment      securities2                                                                            |   |                                        | 121,449 |   |   |   | 3,012 |   |   |   | 4.96 |   |   |   | 119,414 |   |   |   | 2,912 |   |   |   | 4.88 |   |
| Interest-earning      deposits3                                                                        |   |                                        | 11,952  |   |   |   | 171 |   |   |   | 2.86 |   |   |   | 11,759 |   |   |   | 266 |   |   |   | 4.52 |   |
| Total      interest-earning assets                                                                     |   |                                        | 378,440 |   |   |   | 10,864 |   |   |   | 5.74 |   |   |   | 373,990 |   |   |   | 11,492 |   |   |   | 6.15 |   |
| Non-interest-earning      assets                                                                       |   |                                        | 21,545  |   |   |   |   |   |   |   |   |   |   |   | 21,827 |   |   |   |   |   |   |   |   |   |
|                                                                                                   |   |                                        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total      assets                                                                                      |   | $                                           | 399,985 |   |   |   |   |   |   |   |   |   |   | $ | 395,817 |   |   |   |   |   |   |   |   |   |
|                                                                                                   |   |                                        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing      liabilities:                                                                     |   |                                        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Deposits                                                                                               |   | $                                           | 313,920 |   |   |   | 3,990 |   |   |   | 2.54 |   |   | $ | 318,448 |   |   |   | 4,952 |   |   |   | 3.11 |   |
| Other      short-term borrowings                                                                       |   |                                        | 8,577   |   |   |   | 44 |   |   |   | 1.03 |   |   |   | 5,616 |   |   |   | 117 |   |   |   | 4.17 |   |
| Borrowings                                                                                             |   |                                        | 40,365  |   |   |   | 935 |   |   |   | 4.63 |   |   |   | 34,074 |   |   |   | 823 |   |   |   | 4.83 |   |
| Total      interest-bearing liabilities                                                                |   |                                        | 362,862 |   |   |   | 4,969 |   |   |   | 2.74 |   |   |   | 358,138 |   |   |   | 5,892 |   |   |   | 3.29 |   |
|                                                                                                   |   |                                        |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Non-interest      bearing  liabilities                                                       |   |                                        | 4,173   |   |   |   |   |   |   |   |   |   |   |   | 3,544 |   |   |   |   |   |   |   |   |   |
| Total      liabilities                                                                                 |   |                                        | 367,035 |   |   |   |   |   |   |   |   |   |   |   | 361,682 |   |   |   |   |   |   |   |   |   |
| Stockholders’      equity                                                                        |   |                                        | 32,950  |   |   |   |   |   |   |   |   |   |   |   | 34,135 |   |   |   |   |   |   |   |   |   |
| Total      liabilities and stockholders’ equity                                                  |   | $                                           | 399,985 |   |   |   |   |   |   |   |   |   |   | $ | 395,817 |   |   |   |   |   |   |   |   |   |
| Net      interest income                                                                               |   |                                        |    |   |   | $ | 5,895 |   |   |   |   |   |   |   |   |   |   | $ | 5,600 |   |   |   |   |   |
| Interest      rate spread4                                                                             |   |                                        |    |   |   |   |   |   |   |   | 3.00 | % |   |   |   |   |   |   |   |   |   |   | 2.86 | % |
| Net      yield on interest-earning      assets5                                                        |   |                                        |    |   |   |   |   |   |   |   | 3.12 | % |   |   |   |   |   |   |   |   |   |   | 2.99 | % |
| Ratio      of average interest- earning assets to average  interest-bearing      liabilities |   |                                        |    |   |   |   |   |   |   |   | 104.29 | % |   |   |   |   |   |   |   |   |   |   | 104.43 | % |

----

Index

----

Index

----

Index

----

Index

|                                                                                                   |   | For      the three months ended September 30, |    |
|--------------------------------------------------------------------------------------------------------|--------|-----------------------------------------------|---------|
|                                                                                                   |   | 2008                                          |    |   | 2007 |   |
|                                                                                                   |   | AverageBalance                                |    |   | Interest |   |   | AverageRate |   |   | AverageBalance |   |   | Interest |   |   | AverageRate |   |
|                                                                                                   |   | (Dollars      in thousands)                   |    |
| Interest-earning      assets:                                                                          |   |                                          |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Loans      receivable, net1                                                                            |   | $                                             | 247,184 |   |   | $ | 3,867 |   |   |   | 6.26 | % |   | $ | 245,545 |   |   | $ | 4,224 |   |   |   | 6.88 | % |
| Investment      securities2                                                                            |   |                                          | 119,054 |   |   |   | 1,493 |   |   |   | 5.02 |   |   |   | 117,292 |   |   |   | 1,458 |   |   |   | 4.97 |   |
| Interest-earning      deposits3                                                                        |   |                                          | 9,227   |   |   |   | 72 |   |   |   | 3.12 |   |   |   | 10,090 |   |   |   | 111 |   |   |   | 4.40 |   |
| Total      interest-earning assets                                                                     |   |                                          | 375,465 |   |   |   | 5,432 |   |   |   | 5.79 |   |   |   | 372,927 |   |   |   | 5,793 |   |   |   | 6.21 |   |
| Non-interest-earning      assets                                                                       |   |                                          | 21,424  |   |   |   |   |   |   |   |   |   |   |   | 21,727 |   |   |   |   |   |   |   |   |   |
|                                                                                                   |   |                                          |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Total      assets                                                                                      |   | $                                             | 396,889 |   |   |   |   |   |   |   |   |   |   | $ | 394,654 |   |   |   |   |   |   |   |   |   |
|                                                                                                   |   |                                          |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing      liabilities:                                                                     |   |                                          |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Deposits                                                                                               |   | $                                             | 310,999 |   |   |   | 1,894 |   |   |   | 2.44 |   |   | $ | 315,983 |   |   |   | 2,479 |   |   |   | 3.14 |   |
| Other      short-term borrowings                                                                       |   |                                          | 9,195   |   |   |   | 23 |   |   |   | 1.00 |   |   |   | 5,703 |   |   |   | 59 |   |   |   | 4.14 |   |
| Borrowings                                                                                             |   |                                          | 40,724  |   |   |   | 465 |   |   |   | 4.57 |   |   |   | 35,914 |   |   |   | 437 |   |   |   | 4.87 |   |
| Total      interest-bearing liabilities                                                                |   |                                          | 360,918 |   |   |   | 2,382 |   |   |   | 2.64 |   |   |   | 357,600 |   |   |   | 2,975 |   |   |   | 3.33 |   |
|                                                                                                   |   |                                          |    |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Non-interest      bearing  liabilities                                                       |   |                                          | 3,392   |   |   |   |   |   |   |   |   |   |   |   | 3,065 |   |   |   |   |   |   |   |   |   |
| Total      liabilities                                                                                 |   |                                          | 364,310 |   |   |   |   |   |   |   |   |   |   |   | 360,665 |   |   |   |   |   |   |   |   |   |
| Stockholders’      equity                                                                        |   |                                          | 32,579  |   |   |   |   |   |   |   |   |   |   |   | 33,989 |   |   |   |   |   |   |   |   |   |
| Total      liabilities and stockholders’ equity                                                  |   | $                                             | 396,889 |   |   |   |   |   |   |   |   |   |   | $ | 394,654 |   |   |   |   |   |   |   |   |   |
| Net      interest income                                                                               |   |                                          |    |   |   | $ | 3,050 |   |   |   |   |   |   |   |   |   |   | $ | 2,818 |   |   |   |   |   |
| Interest      rate spread4                                                                             |   |                                          |    |   |   |   |   |   |   |   | 3.15 | % |   |   |   |   |   |   |   |   |   |   | 2.88 | % |
| Net      yield on interest-earning      assets5                                                        |   |                                          |    |   |   |   |   |   |   |   | 3.25 | % |   |   |   |   |   |   |   |   |   |   | 3.02 | % |
| Ratio      of average interest- earning assets to average  interest-bearing      liabilities |   |                                          |    |   |   |   |   |   |   |   | 104.03 | % |   |   |   |   |   |   |   |   |   |   | 104.29 | % |

----

Index

----

Index

----

Index

----

Index

| ITEM3 | Quantitative      and Qualitative Disclosures About MarketRisk |
|-------|----------------------------------------------------------------|

| ITEM 4T | Controls      and Procedures |
|---------|------------------------------|

|   | (a) | Evaluation      of disclosure controls andprocedures. |
|--------|-----|-------------------------------------------------------|

|   | (b) | Changes      in internal controls. |
|--------|-----|------------------------------------|

----

Index

R

| ITEM      1.  | Legal      Proceedings                                                                                                                                                                                                                                                                                              |
|---------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|          |                                                                                                                                                                                                                                                                                                                |
|          | Not      applicable                                                                                                                                                                                                                                                                                                 |
|          |                                                                                                                                                                                                                                                                                                                |   |
| ITEM      1A. | Risk      Factors                                                                                                                                                                                                                                                                                                   |
|          |                                                                                                                                                                                                                                                                                                                |
|          | There      have been no material changes in the risk factors set forth in Part I,      Item 1A of the Company’s Annual Report on Form 10-K for the year ended      March 31, 2008.                                                                                                                            |
|          |                                                                                                                                                                                                                                                                                                                |   |
| ITEM2.        | Unregistered      Sales of Equity Securities and Use of Proceeds                                                                                                                                                                                                                                                    |
|          |                                                                                                                                                                                                                                                                                                                |
|          | (a)                                                                                                                                                                                                                                                                                                                 | Not      applicable |
|          |                                                                                                                                                                                                                                                                                                                |   |
|          | (b)                                                                                                                                                                                                                                                                                                                 | Not      applicable |
|          |                                                                                                                                                                                                                                                                                                                |   |
|          | (c)                                                                                                                                                                                                                                                                                                                 | Not      applicable |
|          |                                                                                                                                                                                                                                                                                                                |   |
| ITEM 3.       | Defaults      Upon Senior Securities                                                                                                                                                                                                                                                                                |
|          |                                                                                                                                                                                                                                                                                                                |
|          | Not      applicable                                                                                                                                                                                                                                                                                                 |
|          |                                                                                                                                                                                                                                                                                                                |   |
| ITEM 4.       | Submission      of Matters to a Vote of Security Holders                                                                                                                                                                                                                                                            |
|          |                                                                                                                                                                                                                                                                                                                |
|          | On      July 24, 2008, the Annual Meeting of the Company’s Stockholders was      held.  Two directors were elected to terms expiring in fiscal      2011 by the following votes:                                                                                                                    |
|          |                                                                                                                                                                                                                                                                                                                |   |
|          | Daniel      R.      Buehler                        For:  2,081,731                    Withheld:   31,069                   |
|          | Phillip      E.      Becker                     For:  2,066,907                     Withheld:   45,893 |
|          |                                                                                                                                                                                                                                                                                                                |   |
|          | One      other matter was submitted to the stockholders for ratification, for which      the following votes were cast:                                                                                                                                                                                             |
|          |                                                                                                                                                                                                                                                                                                                |   |
|          | Ratification      of the appointment of  BKD LLP as independent auditors of the      Company for the fiscal year ended March 31, 2009.                                                                                                                                                                    |
|          |                                                                                                                                                                                                                                                                                                                |   |
|          | For:  2,092,812                             Against:      13,513              Abstain:      6,475                |

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Index

| ITEM 5. | Other      Information                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |                                                                                                                                                                                |
|---------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|    |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                                                                                                                                                                                |
|    | The      Troubled Asset Relief Program (TARP) was approved by the United States      Congress in October 2008 and is being implemented by the Department of the      Treasury (Treasury) in the form of a Capital Purchase Program (CPP) with      an application deadline of November 14, 2008.   Management      of the Company has conducted an analysis of the potential uses of capital      offered by the Treasury through the CPP and has determined that the      Company’s current capital levels are adequate given the Company’s      financial condition and current conditions in the Company’s market      area.  In addition, management considered the dilution of      existing shareholders of the Company and the potential for unforeseen      negative effects associated with the TARP in its analysis.  As a      result of the foregoing factors, the Company has determined not to      participate in the TARP at this time. |
|    |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                                                                                                                                                                                |
| 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 |

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Index

A

| Date:  | November 10, 2008 |   | By:    | /s/Phillip E. Becker                       |
|--------|-------------------|--------|--------|--------------------------------------------|
|   |              |   |   | Phillip      E. Becker                     |
|   |              |   |   | President      and Chief Executive Officer |
|   |              |   |   |                                       |
|   |              |   |   |                                       |
|   |              |   |   |                                       |
| Date:  | November 10, 2008 |   | By:    | /s/H. Stewart Fitz Gibbon    III           |
|   |              |   |   | H.      Stewart Fitz Gibbon III            |
|   |              |   |   | Executive      Vice President and          |
|   |              |   |   | Chief      Financial Officer               |