The changes in accumulated other comprehensive income balances as of September 30, 2013 and 2012 were as follows (in thousands):


	Minimum		Accumulated Other
	Pension	Unrealized	Comprehensive
	Liability	Gains (Loss)	Income

Balance at December 31, 2011	$ (2,978)	$ 9,424	$ 6,446
Other comprehensive income (loss):
Change in net actuarial loss (see Note 15)	362	-	362
Tax effect on change in net actuarial loss	(127)	-	(127)
Net unrealized holding gains arising during the period	-	4,560	4,560
Tax effect on unrealized gains arising during the period	-	(1,596)	(1,596)
Reclassification adjustment for gains included in net realized gains	-	(2,044)	(2,044)
Tax effect on reclassification adjustment for gains included
in income tax expense	-	715	715
Other comprehensive income , net of tax	235	1,635	1,870
Balance at September 30, 2012	$ (2,743)	$ 11,059	$ 8,316

Balance at December 31, 2012	$ (2,954)	$ 10,853	$ 7,899

Other comprehensive income (loss):
Change in net actuarial loss (see Note 15)	371	-	371
Tax effect on change in net actuarial loss	(130)	-	(130)
Net unrealized holding gains arising during the period	-	16,243	16,243
Tax effect on unrealized gains arising during the period	-	(5,685)	(5,685)
Reclassification adjustment for gains included in net realized gains	-	(9,723)	(9,723)
Tax effect on reclassification adjustment for gains included in income
tax expense	-	3,403	3,403
Other comprehensive income, net of tax	241	4,238	4,479
Balance at September 30, 2013	$ (2,713)	$ 15,091	$ 12,378