Other comprehensive income, which is comprised solely of the change in unrealized gains and losses on available-for-sale securities, is as follows:


	Three Months Ended								Nine Months Ended
	September 30, 2013								September 30, 2013
	Before Tax					Net of Tax			Before Tax						Net of Tax
	Amount			Tax Effect		Amount			Amount			Tax Effect			Amount
Unrealized holding losses arising during the period	$	(264,122	)	$	—	$	(264,122	)	$	(838,567	)	$	—		$	(838,567	)
Reclassification adjustment for losses recognized in income		—			—		—			—			—			—

Unrealized holding losses on available for sale securities, net of taxes	$	(264,122	)	$	—	$	(264,122	)	$	(838,567	)	$	—		$	(838,567	)


	Three Months Ended								Nine Months Ended
	September 30, 2012								September 30, 2012
	Before Tax					Net of Tax			Before Tax						Net of Tax
	Amount			Tax Effect		Amount			Amount			Tax Effect			Amount
Unrealized holding (losses) gains arising during the period	$	(281,316	)	$	106,901	$	(174,415	)	$	9,443		$	(3,590	)	$	5,853
Reclassification adjustment for net gains recognized in income		(924,317	)		351,240		(573,077	)		(916,275	)		348,185			(568,090	)

Unrealized holding gains on available for sale securities, net of taxes	$	(1,205,633	)	$	458,141	$	(747,492	)	$	(906,832	)	$	344,595		$	(562,237	)