Ok guys, I figured it out, it was a timzezone issue.

You see, up in my header file, I have this:

date_default_timezone_set("US/New_York");


Because my server is located in Utah which is 2 hours behind.

Anyways, the LOGIN page doesn't call the header file just yet, so it was using the Utah server timestamp. Once I called the timezone_set function above in the login page itself, it is now correct.