ACCUMULATED OTHER COMPREHENSIVE INCOME

9 Months Ended

Sep. 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:

	September 30, 2015			December 31, 2014
Net unrealized gains on securities available-for-sale	$	1,150,903		$	1,078,004
Tax effect		(391,307	)		(366,521	)
Net-of-tax amount	$	759,596		$	711,483