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INCOME TAXES (Details) (USD $)
 12 Months Ended
Sep. 30, 2014
Sep. 30, 2013
Sep. 30, 2012
Sep. 30, 1987
Federal [Abstract]        
Current $ 3,787,000 $ 2,847,000 $ 7,734,000  
Deferred (1,765,000) (536,000) 858,000  
Federal income tax expense 2,022,000 2,311,000 8,592,000  
State [Abstract]        
Current 874,000 1,252,000 960,000  
Deferred 10,000 141,000 130,000  
State tax expense 884,000 1,393,000 1,090,000  
Income tax expense 2,906,000 3,704,000 9,682,000  
Income tax expense (benefit) to statutory federal income tax rate reconciliation [Abstract]        
Income tax expense at federal tax rate 6,517,000 5,993,000 9,378,000  
Increase (decrease) resulting from [Abstract]        
State income taxes net of federal benefit 575,000 1,092,000 708,000  
Nontaxable buildup in cash surrender value (399,000) (349,000) (179,000)  
Incentive stock option expense (187,000) (97,000) 10,000  
Tax exempt income (3,594,000) (2,815,000) (244,000)  
Nondeductible expenses 120,000 41,000 37,000  
Other, net (126,000) (161,000) (28,000)  
Income tax expense 2,906,000 3,704,000 9,682,000  
Deferred tax assets [Abstract]        
Bad debts 1,955,000 1,426,000   6,700,000
Deferred compensation 708,000 446,000    
Stock based compensation 271,000 293,000    
Operational reserve 464,000 494,000    
AMT Credit 2,239,000 1,113,000    
Net unrealized losses on securities available for sale 2,969,000 12,776,000    
Indirect tax benefits of unrecognized tax positions 376,000 0    
Other assets 759,000 1,157,000    
Gross deferred tax assets 9,741,000 17,705,000    
Deferred tax liabilities [Abstract]        
FHLB stock dividend (410,000) (411,000)    
Premises and equipment (1,060,000) (1,366,000)    
Patents (937,000) (849,000)    
Prepaid expenses (743,000) (782,000)    
Gross deferred tax liabilities (3,150,000) (3,408,000)    
Net deferred tax assets (liabilities) 6,591,000 14,297,000    
Gross deferred tax on state net operating loss carryforwards 780,000 704,000    
Additional bad debt deductions provided by federal income tax laws 1,955,000 1,426,000   6,700,000
Deferred tax liability, bad debt deductions 2,300,000 2,300,000    
Reconciliation for liabilities [Abstract]        
Balance at beginning of year 931,000 164,000    
Additions for tax positions related to the current year 118,000 114,000    
Additions for tax positions related to the prior years 0 653,000    
Reductions for tax positions due to settlement with taxing authorities (16,000) 0    
Reductions for tax positions related to prior years (50,000) 0    
Balance at end of year 983,000 931,000 164,000  
Unrecognized tax benefits that, if recognized, would impact the effective rate 649,000      
Accrued interest related to unrecognized tax benefits $ 124,000