10) Derivative Investments: Schedule of Gains and Losses on Derivatives (Tables)

3 Months Ended

Mar. 31, 2014

Tables/Schedules

Schedule of Gains and Losses on Derivatives

	Net Amount Gain (Loss) Recognized in OCI
	Three Months Ended March 31
Derivative - Cash Flow Hedging Relationships:	2014	2013
Interest Rate Lock Commitments	$           449,263	$           (715,724)
Interest Rate Swaps	6,852	9,117
Sub Total	456,115	(706,607)
Tax Effect	177,885	(127,960)
Total	$           278,230	$           (578,647)