ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)

6 Months Ended

Jun. 30, 2014

Equity [Abstract]

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)

7. ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)

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

	June 30, 2014			December 31, 2013
Net unrealized gains (losses) on securities available-for-sale	$	816,161		$	(2,101,461	)
Tax effect		(277,495	)		714,497
Net-of-tax amount	$	538,666		$	(1,386,964	)