ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)

9 Months Ended

Sep. 30, 2013

Equity [Abstract]

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)

7. ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)

The components of accumulated other comprehensive income, included in stockholders’ equity, are as follows:

	September 30, 2013			December 31, 2012
Net unrealized gain(loss) on securities available-for-sale	$	(913,207	)	$	4,388,778
Tax effect		310,489			(1,492,185	)
Net-of-tax amount	$	(602,718	)	$	2,896,593