It's probably because size of a frame includes the size of the border.
A Frame is a top-level window with a title and a border. The size of the frame includes any area designated for the border. The dimensions of the border area may be obtained using the getInsets method. Since the border area is included in the overall size of the frame, the border effectively obscures a portion of the frame, constraining the area available for rendering and/or displaying subcomponents to the rectangle which has an upper-left corner location of (insets.left, insets.top), and has a size of width - (insets.left + insets.right) by height - (insets.top + insets.bottom).
Source: http://download.oracle.com/javase/tutorial/uiswing/components/frame.html