No, you don't have a gain on your loss. You just carry over the loss until when you sell (and don't rebuy within the 61 day window--30 before and 30 after.) A lot of the other things people are mentioning apply to wash sales in different circumstances, but not necessarily to your situation.
It sounds like you still have questions though about the taxes on your investments. The best way to get those answered might be to print out your 1099-B (or 1099 combined) and also your statements for the year and go over them with someone who "gets it."
Alternatively, you could call up customer service or your representative (if you have one) at your financial services company and they might answer your questions. Sometimes, though, they say something along the lines of, "ask your tax adviser."
