ACCUMULATED OTHER COMPREHENSIVE INCOME

6 Months Ended

Jun. 30, 2015

Equity [Abstract]

ACCUMULATED OTHER COMPREHENSIVE INCOME

7. ACCUMULATED OTHER COMPREHENSIVE INCOME

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

	June 30, 2015				December 31, 2014
Net unrealized gains on securities available-for-sale	$	371,280		$	1,078,004
Tax effect		(126,235	)		(366,521	)
Net-of-tax amount	$	245,045		$	711,483