Norwood Financial (NWFL) 10-Q 8 May 15 2015 Q1 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information	3 Months Ended
	Mar. 31, 2015	1-May-15
Document And Entity Information [Abstract]
Document Type	10-Q
Amendment Flag	FALSE
Document Period End Date	31-Mar-15
Entity Registrant Name	NORWOOD FINANCIAL CORP
Entity Central Index Key	1013272
Current Fiscal Year End Date	-19
Entity Filer Category	Accelerated Filer
Entity Common Stock, Shares Outstanding		3,679,046
Document Fiscal Year Focus	2015
Document Fiscal Period Focus	Q1

Consolidated_Balance_Sheets

Consolidated Balance Sheets (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
ASSETS
Cash and due from banks	$7,658	$8,081
Interest bearing deposits with banks	11,969	4,295
Cash and cash equivalents	19,627	12,376
Securities available for sale, at fair value	155,674	156,395
Loans receivable	518,961	501,135
Less: Allowance for loan losses	6,007	5,875
Net loans receivable	512,954	495,260
Regulatory stock, at cost	1,838	1,714
Bank premises and equipment, net	6,632	6,734
Bank owned life insurance	18,417	18,284
Accrued interest receivable	2,329	2,339
Foreclosed real estate owned	1,698	3,726
Goodwill	9,715	9,715
Other intangibles	361	389
Deferred tax asset	3,308	3,285
Other assets	1,806	1,418
Total Assets	734,359	711,635
LIABILITIES
Deposits: Non-interest bearing demand	101,423	98,064
Deposits: Interest-bearing	468,783	461,880
Total deposits	570,206	559,944
Short-term borrowings	30,581	25,695
Other borrowings	27,807	22,200
Accrued interest payable	955	966
Other liabilities	4,359	3,789
Total Liabilities	633,908	612,594
STOCKHOLDERS' EQUITY
Common stock, $.10 par value per share, authorized 10,000,000 shares; issued 3,718,018 shares	372	372
Surplus	35,239	35,206
Retained earnings	64,975	64,078
Treasury stock at cost: 2015: 38,972 shares, 2014: 40,576 shares	-1,046	-1,077
Accumulated other comprehensive income (loss)	911	462
Total Stockholders' Equity	100,451	99,041
Total Liabilities and Stockholders' Equity	$734,359	$711,635

Consolidated_Balance_Sheets_pa

Consolidated Balance Sheets (parenthetical) (USD $)	Mar. 31, 2015	Dec. 31, 2014
Consolidated Balance Sheets [Abstract]
Common Stock, Par or Stated Value Per Share	$0.10	$0.10
Common Stock, Shares Authorized	10,000,000	10,000,000
Common Stock, Shares, Issued	3,718,018	3,718,018
Treasury Stock, Shares	38,972	40,576

Consolidated_Statements_of_Inc

Consolidated Statements of Income (USD $)	3 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
INTEREST INCOME
Loans receivable, including fees	$6,061	$5,980
Securities	1,023	987
Other	4	1
Total interest income	7,088	6,968
INTEREST EXPENSE
Deposits	604	635
Short-term borrowings	12	22
Other borrowings	165	166
Total interest expense	781	823
Net Interest Income	6,307	6,145
Provision for loan losses	620	420
Net interest income after provision for loan losses	5,687	5,725
OTHER INCOME
Service charges and fees	572	576
Income from fiduciary activities	105	104
Net realized gains on sales of securities	311	95
(Losses) gains on sale of loans and servicing rights, net	18	39
Earnings and proceeds on bank owned life insurance	165	168
Other	108	71
Total other income	1,279	1,053
OTHER EXPENSES
Salaries and employee benefits	2,137	2,165
Occupancy, furniture & equipment, net	556	578
Data processing related	234	212
Taxes, other than income	175	165
Professional fees	183	165
Federal Deposit Insurance Corporation insurance assessment	95	114
Foreclosed real estate owned	158	65
Other	649	668
Total other expenses	4,187	4,132
Income before Income Taxes	2,779	2,646
Income tax expense	738	682
Net Income	$2,041	$1,964
EARNINGS PER SHARE
BASIC EARNINGS PER SHARE	$0.55	$0.54
DILUTED EARNINGS PER SHARE	$0.55	$0.54

Consolidated_Statement_of_Comp

Consolidated Statement of Comprehensive Income (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Consolidated Statement of Comprehensive Income [Abstract]
Net income	$2,041	$1,964
Other comprehensive income (loss):
Investment securities available for sale: Unrealized holding gains (losses)	989	2,525
Investment securities available for sale: Tax effect	-335	-860
Reclassification of gains recognized in net income	-311	-95
Reclassification of gains recognized in net income: Tax effect	106	32
Total other comprehensive income	449	1,602
Comprehensive Income (Loss)	$2,490	$3,566

Consolidated_Statements_of_Cha

Consolidated Statements of Changes in Stockholders' Equity (USD $)	Common Stock [Member]	Surplus [Member]	Retained Earnings [Member]	Treasury Stock [Member]	Accumulated Other Comprehensive Income [Member]	Total
In Thousands, except Share data
Beginning balance at Dec. 31, 2014	$372	$35,206	$64,078	($1,077)	$462	$99,041
Common Stock, Beginning Balance at Dec. 31, 2014	3,718,018			40,576
Net Income			2,041			2,041
Other comprehensive income					449	449
Cash dividends declared ($.31 per share)			-1,144			-1,144
Compensation expense related to restricted stock		14				14
Acquisition of treasury stock				-127		-127
Acquisition of treasury stock, shares				4,374
Stock options exercised		-4		158		154
Stock options exercised, shares				-5,978		-5,978
Tax benefit on stock options		6				6
Compensation expense related to stock options		17				17
Ending balance at Mar. 31, 2015	$372	$35,239	$64,975	($1,046)	$911	$100,451
Common Stock, Ending Balance at Mar. 31, 2015	3,718,018			38,972

Consolidated_Statements_of_Cha1

Consolidated Statements of Changes in Stockholders' Equity (parenthetical) (USD $)	3 Months Ended
	Mar. 31, 2015
Consolidated Statements of Changes in Stockholders' Equity [Abstract]
Common Stock, Dividends, Per Share, Declared	($0.31)

Consolidated_Statements_of_Cas

Consolidated Statements of Cash Flows (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
CASH FLOWS FROM OPERATING ACTIVITIES
Net Income	$2,041	$1,964
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	620	420
Depreciation	139	147
Amortization of intangible assets	28	33
Deferred income taxes	-252	-303
Net amortization of securities premiums and discounts	233	211
Net realized gain on sales of securities	-311	-95
Net increase in cash surrender value of life insurance	-165	-168
Loss on foreclosed real estate	65	19
Gain on sale of mortgage loans	-24	-41
Mortgage loans originated for sale	-780	-1,110
Proceeds from sale of mortgage loans originated for sale	804	1,151
Compensation expense related to stock options	17	40
Compensation expense related to restricted stock	14	0
Increase in accrued interest receivable and other assets	-341	-445
Increase in accrued interest payable and other liabilities	518	701
Net cash provided by operating activities	2,606	2,524
CASH FLOWS FROM INVESTING ACTIVITIES
Securities available for sale: Proceeds from sales	13,976	12,080
Securities available for sale: Proceeds from maturities and principal reductions on mortgage-backed securities	2,876	3,150
Securities available for sale: Purchases	-15,375	-10,950
Purchase of regulatory stock	-327	-504
Redemption of regulatory stock	203	640
Net (increase) decrease in loans	-18,387	6,297
Purchase of premises and equipment	-37	-53
Proceeds from sale of foreclosed real estate	2,031	9
Net cash (used in) provided by investing activities	-15,040	10,669
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase (decrease) in deposits	10,262	-1,106
Net increase (decrease) in short-term borrowings	4,886	-9,541
Repayments of other borrowings	-393	-388
Proceeds from other borrowings	6,000	0
Stock options exercised	154	0
Tax benefit of stock options exercised	6	0
Purchase of treasury stock	-127	-179
Cash dividends paid	-1,103	-1,093
Net cash provided by (used in) financing activities	19,685	-12,307
Increase in cash and cash equivalents	7,251	886
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD	12,376	7,863
CASH AND CASH EQUIVALENTS, END OF PERIOD	19,627	8,749
Supplemental Disclosure of Cash Flow Information
Cash payments for: Interest on deposits and borrowings	792	872
Cash payments for: Income taxes paid, net of refunds	201	204
Supplemental Schedule of Noncash Investing Activities
Transfers of loans to foreclosed real estate and repossession of other assets	$68	$383

Basis_of_Presentation

Basis of Presentation	3 Months Ended
	Mar. 31, 2015
Basis of Presentation [Abstract]
Basis of Presentation	1.         Basis of Presentation
	The unaudited consolidated financial statements include the accounts of Norwood Financial Corp. (Company) and its wholly-owned subsidiary, Wayne Bank (Bank) and the Bank’s wholly-owned subsidiaries, WCB Realty Corp., Norwood Investment Corp., Norwood Settlement Services, LLC,  and WTRO Properties, Inc.   All significant intercompany transactions have been eliminated in consolidation.
	The accompanying unaudited consolidated  financial statements have been prepared in conformity with generally accepted accounting principles for interim financial statements and with instructions to Form 10-Q. Accordingly, they do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. In preparing the financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and revenues and expenses for the period.  Actual results could differ from those estimates.  The financial statements reflect, in the opinion of management, all normal, recurring adjustments necessary to present fairly the financial position and results of operations of the Company.  The operating results for the three month period ended March 31, 2015 are not necessarily indicative of the results that may be expected for the year ending December 31, 2015 or any other future interim period.
	These statements should be read in conjunction with the consolidated financial statements and related notes which are incorporated by reference in the Company’s Annual Report on Form 10-K for the year-ended December 31, 2014.

Earnings_Per_Share

Earnings Per Share	3 Months Ended
	Mar. 31, 2015
Earnings Per Share [Abstract]
EARNINGS PER SHARE	2.         Earnings Per Share
	Basic earnings per share represents income available to common stockholders divided by the weighted average number of common shares outstanding during the period.  Diluted earnings per share reflect additional common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance.  Potential common shares that may be issued by the Company relate solely to outstanding stock options and are determined using the treasury stock method.
	The following table sets forth the weighted average shares outstanding used in the computations of basic and diluted earnings per share.
	(in thousands)
		Three Months Ended
		March 31,
		2015	2014
	Basic EPS weighted average shares outstanding	3,680	3,643
	Dilutive effect of stock options	6	10
	Diluted EPS weighted average shares outstanding	3,686	3,653
	Stock options which had no intrinsic value, because their effect would be anti-dilutive and therefore would not be included in the diluted EPS calculation were 49,700 as of March 31, 2015 based upon the closing price of Norwood common stock of $27.69 per share on March 31, 2015.  As of March 31, 2014 there were 20,700 stock options which were anti-dilutive based on the closing price of Norwood stock of $28.60 on March 31, 2014.

StockBased_Compensation

Stock-Based Compensation	3 Months Ended
	Mar. 31, 2015
Stock-Based Compensation [Abstract]
Stock-Based Compensation	3.         Stock-Based Compensation
	No awards were granted during the three month period ending March 31, 2015. As of March 31, 2015, there was $50,000 of total unrecognized compensation cost related to non-vested options granted in 2014 under the 2014 Stock Option Plan, which will be fully amortized by December 31, 2015.
	A summary of stock options from all plans, adjusted for stock dividends declared, is shown below.
			Weighted
			Average Exercise		Weighted Average		Aggregate
			Price		Remaining		Intrinsic Value
		Options	Per Share		Contractual Term		$0
	Outstanding at January 1, 2015	206,463	$	26.74	5.7	Yrs.	$	478
	Granted	-		-	-			-
	Exercised	-5,978		25.87	5.1			-
	Forfeited	-		-	-			-
	Outstanding at March 31, 2015	200,485	$	26.76	5.5		$	235
	Exercisable at March 31, 2015	187,985	$	26.61	5.2	Yrs.	$	235
	Intrinsic value represents the amount by which the market price of the stock on the measurement date exceeded the exercise price of the option.  The stock price was $27.69 as of March 31, 2015 and $29.05 as of December 31, 2014.
	A summary of the Company’s restricted stock activity and related information for the three month period ended March 31, 2015 is as follows:
				Weighted-Average
		Number of		Grant Date
		Restricted Stock		Fair Value
	Outstanding, January 1, 2015	9,300	$	29.08
	Granted	-		-
	Vested	-		-
	Forfeited	-		-
	Non-vested at March 31, 2015	9,300	$	29.08
	The expected future compensation expense relating to the 9,300 shares of non-vested restricted stock outstanding as of March 31, 2015 is $257,000.

Accumulated_Other_Comprehensiv

Accumulated Other Comprehensive Income (Loss)	3 Months Ended
	Mar. 31, 2015
Accumulated Other Comprehensive Income [Abstract]
Accumulated Other Comprehensive Income	4.         Accumulated Other Comprehensive Income
	The following table presents the changes in accumulated other comprehensive income (in thousands) by component net of tax for the three months ended March 31, 2015 and 2014:
		Unrealized gains (losses) on
		available for sale
		securities (a)
	Balance as of December 31, 2014	$	462
	Other comprehensive income before reclassification		654
	Amount reclassified from accumulated other comprehensive income		-205
	Total other comprehensive income		449
	Balance as of March 31, 2015	$	911
		Unrealized gains (losses) on
		available for sale
		securities (a)
	Balance as of  December 31, 2013	$	-2,602
	Other comprehensive income before reclassification		1,665
	Amount reclassified from accumulated other comprehensive income		-63
	Total other comprehensive income		1,602
	Balance as of March 31, 2014	$	-1,000
	(a)  All amounts are net of tax.  Amounts in parentheses indicate debits.
	The following table presents significant amounts reclassified out of each component of accumulated other comprehensive income (loss) (in thousands) for the three months ended March 31,  2015 and 2014:
			Amount Reclassified
			From Accumulated				Affected Line Item in
			Other				the Statement Where
			Comprehensive				Net Income is
	Details about other comprehensive income		Income (a)				Presented
				Three months ended
				March 31,
				2015		2014
	Unrealized gains on available for sale securities		$	311	$	95	Net realized gains on sales of securities
				-106		-32	Income tax expense
			$	205	$	63	Net of tax
	(a)  Amounts in parentheses indicate debits to net income

OffBalance_Sheet_Financial_Ins

Off-Balance Sheet Financial Instruments and Guarantees	3 Months Ended
	Mar. 31, 2015
Off-Balance Sheet Financial Instruments and Guarantees [Abstract]
Off-Balance Sheet Financial Instruments and Guarantees	5.         Off-Balance Sheet Financial Instruments and Guarantees
	The Bank is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers.  These financial instruments include commitments to extend credit and letters of credit.  Those instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the balance sheets.
	The Bank’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and letters of credit is represented by the contractual amount of those instruments.  The Bank uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments.
	A summary of the Bank’s financial instrument commitments is as follows:
	(in thousands)	March 31,
		2015		2014
	Unfunded availability under loan commitments	$	25,951	$	24,728
	Unfunded commitments under lines of credit		48,873		46,360
	Standby letters of credit		5,776		5,700
		$	80,600	$	76,788
	Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract.  Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee.  Since some of the commitments are expected to expire without being drawn upon, the total commitment amount does not necessarily represent future cash requirements.  The Bank evaluates each customer’s credit worthiness on a case-by-case basis.  The amount of collateral obtained, if deemed necessary by the Bank upon extension of credit, is based on management’s credit evaluation of the customer and generally consists of real estate.
	The Bank does not issue any guarantees that would require liability recognition or disclosure, other than its standby letters of credit.  Standby letters of credit written are conditional commitments issued by the Bank to guarantee the performance of a customer to a third party.  Generally, all letters of credit, when issued, have expiration dates within one year.  The credit risk involved in issuing letters of credit is essentially the same as those that are involved in extending loan facilities to customers.  The Bank, generally, holds collateral and/or personal guarantees supporting these commitments.  Management believes that the proceeds obtained through a liquidation of collateral and the enforcement of guarantees would be sufficient to cover the potential amount of future payments required under the corresponding guarantees.  The current amount of the liability as of March 31, 2015 for guarantees under standby letters of credit issued is not material.

Securities

Securities	3 Months Ended
	Mar. 31, 2015
Securities [Abstract]
Securities	6.         Securities
	The amortized cost and fair value of securities were as follows:
			31-Mar-15
						Gross			Gross
			Amortized			Unrealized			Unrealized			Fair
			Cost			Gains			Losses			Value
			(In Thousands)
	Available for Sale:
	U.S. Government agencies		$	27,100		$	129		$	-97		$	27,132
	States and political subdivisions			57,831			1,522			-295			59,058
	Corporate obligations			6,351			180			-			6,531
	Mortgage-backed securities-
	government sponsored entities			62,713			364			-500			62,577
	Total debt securities			153,995			2,195			-892			155,298
	Equity securities-financial services			292			84			-			376
			$	154,287		$	2,279		$	-892		$	155,674
			31-Dec-14
						Gross			Gross
			Amortized			Unrealized			Unrealized			Fair
			Cost			Gains			Losses			Value
			(In Thousands)
	Available for Sale:
	U.S. Government agencies		$	29,289		$	42		$	-356		$	28,975
	States and political subdivisions			52,685			1,750			-103			54,332
	Corporate obligations			6,387			110			-11			6,486
	Mortgage-backed securities-government
	sponsored entities			67,032			109			-937			66,204
	Total debt securities			155,393			2,011			-1,407			155,997
	Equity securities-financial services			292			106			-			398
			$	155,685		$	2,117		$	-1,407		$	156,395
	The following tables show the Company’s investments’ gross unrealized losses and fair value aggregated by length of time that individual securities have been in a continuous unrealized loss position (in thousands):
		31-Mar-15
		Less than 12 Months						12 Months or More						Total
		Fair Value			Unrealized Losses			Fair Value			Unrealized Losses			Fair Value		Unrealized Losses
	U.S. government agencies	$	3,010		$	-12		$	9,111		$	-85		$	12,121	$	-97
	States and political subdivisions		12,141			-238			2,477			-57			14,618		-295
	Mortgage-backed securities-government sponsored agencies		13,040			-118			20,029			-382			33,069		-500
		$	28,191		$	-368		$	31,617		$	-524		$	59,808	$	-892
		31-Dec-14
		Less than 12 Months						12 Months or More						Total
		Fair Value			Unrealized Losses			Fair Value			Unrealized Losses			Fair Value		Unrealized Losses
	U.S. government agencies	$	4,965		$	-17		$	15,051		$	-339		$	20,016	$	-356
	States and political subdivisions		3,195			-20			4,633			-83			7,828		-103
	Corporate obligations		-			-			1,144			-11			1,144		-11
	Mortgage-backed securities-government sponsored agencies		22,090			-189			26,050			-748			48,140		-937
		$	30,250		$	-226		$	46,878		$	-1,181		$	77,128	$	-1,407
	At March 31, 2015, the Company has 33 debt securities in an unrealized loss position in the less than twelve months category and 33 debt securities in the twelve months or more category. In Management’s opinion the unrealized losses reflect changes in interest rates subsequent to the acquisition of specific securities.  No other-than-temporary-impairment charges were recorded in 2015.  Management believes that all unrealized losses represent temporary impairment of the securities as the Company does not have the intent to sell the securities and it is more likely than not that it will not have to sell the securities before recovery of its cost basis.
	The amortized cost and fair value of debt securities as of March 31, 2015 by contractual maturity are shown below.  Expected maturities may differ from contractual maturities because borrowers may have the right to prepay obligations with or without call or prepayment penalties.
			Available for Sale
	(In Thousands)		Amortized Cost			Fair Value
	Due in one year or less		$	1,250		$	1,265
	Due after one year through five years			25,192			25,391
	Due after five years through ten years			17,737			17,827
	Due after ten years			47,103			48,238
	Mortgage-backed securities-government sponsored agencies			62,713			62,577
			$	153,995		$	155,298
	Gross realized gains and gross realized losses on sales of securities available for sale were as follows (in thousands):
			Three Months
			Ended March 31,
			2015			2014
	Gross realized gains		$	311		$	95
	Gross realized losses			-			-
	Net realized gain		$	311		$	95
	Proceeds from sales of securities		$	13,976		$	12,080

Loans_Receivable_and_Allowance

Loans Receivable and Allowance for Loan Losses	3 Months Ended
	Mar. 31, 2015
Loans Receivable and Allowance for Loan Losses [Abstract]
Loans Receivable and Allowance for Loan Losses	7.        Loans Receivable and Allowance for Loan Losses
	Set forth below is selected data relating to the composition of the loan portfolio at the dates indicated:
		Types of loans
		(dollars in thousands)
		31-Mar-15				31-Dec-14
	Real Estate-Residential	$	157,707	30.4	%	$	158,139	31.5	%
	Commercial		265,635	51.1			261,956	52.2
	Construction		20,180	3.9			19,221	3.9
	Commercial, financial and agricultural		55,353	10.7			42,514	8.5
	Consumer loans to individuals		20,474	3.9			19,704	3.9
	Total loans		519,349	100.0	%		501,534	100.0	%
	Deferred fees, net		-388				-399
	Total loans receivable		518,961				501,135
	Allowance for loan losses		-6,007				-5,875
	Net loans receivable	$	512,954			$	495,260
	Changes in the accretable yield for purchased credit-impaired loans were as follows for the three months ended March 31 (in thousands):
		2015		2014
	Balance at beginning of period	$	8	$	20
	Accretion		-		-7
	Reclassification and other		-		-
	Balance at end of period	$	8	$	13
	The following table presents additional information regarding loans acquired and accounted for in accordance with ASC 310-30 (in thousands):
		31-Mar-15		31-Dec-14
	Outstanding Balance	$	1,045	$	1,057
	Carrying Amount	$	1,038	$	1,049
	There were no material increases or decreases in the expected cash flows of these loans since the acquisition date.  As of December 31, 2014, for loans that were acquired with or without specific evidence of deterioration in credit quality, adjustments to the allowance for loan losses have been accounted for through the allowance for loan loss adequacy calculation.
	The Company maintains a loan review system, which allows for a periodic review of our loan portfolio and the early identification of potential impaired loans.  Such system takes into consideration, among other things, delinquency status, size of loans, type and market value of collateral and financial condition of the borrowers.  Specific loan loss allowances are established for identified losses based on a review of such information.  A loan evaluated for impairment is considered to be impaired when, based on current information and events, it is probably that we will be unable to collect all amounts due according to the contractual terms of the loan agreement.  All loans identified as impaired are evaluated independently.  We do not aggregate such loans for evaluation purposes.  Impairment is measured on a loan-by-loan basis for commercial and construction loans by the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral-dependent.
	Large groups of smaller balance homogeneous loans are collectively evaluated for impairment.  Accordingly, the Company does not separately identify individual consumer and residential mortgage loans for impairment disclosures, unless such loans are part of a larger relationship that is impaired, or are classified as a troubled debt restructuring.
	A loan is considered to be a troubled debt restructuring (“TDR”) loan when the Company grants a concession to the borrower because of the borrower’s financial condition that it would not otherwise consider.  Such concessions include the reduction of interest rates, forgiveness of principal or interest, or other modifications of interest rates that are less than the current market rate for new obligations with similar risk.
	Foreclosed assets acquired in settlement of loans are carried at fair value less estimated costs to sell and are included in foreclosed real estate owned on the Consolidated Balance Sheets.  As of March 31, 2015 and December 31, 2014, foreclosed real estate owned totaled $1,698,000 and $3,726,000, respectively.  As of March 31, 2015, included within foreclosed real estate owned is $225,000 of consumer residential mortgages that were foreclosed on or received via a deed in lieu transaction prior to the period end.  As of March 31, 2015, the Company has initiated formal foreclosure proceedings on $1,055,000 of consumer residential mortgages.
	The following table shows the amount of loans in each category that were individually and collectively evaluated for impairment at the dates indicated:
		Real Estate Loans
								Commercial		Consumer
		Residential		Commercial		Construction		Loans		Loans		Total
	31-Mar-15	(In thousands)
	Individually evaluated for impairment	$	-	$	10,370	$	-	$	-	$	-	$	10,370
	Loans acquired with deteriorated credit quality		221		817		-		-		-		1,038
	Collectively evaluated for impairment		157,486		254,448		20,180		55,353		20,474		507,941
	Total Loans	$	157,707	$	265,635	$	20,180	$	55,353	$	20,474	$	519,349
		Real Estate Loans
								Commercial		Consumer
		Residential		Commercial		Construction		Loans		Loans		Total
		(In thousands)
	31-Dec-14
	Individually evaluated for impairment	$	-	$	10,556	$	-	$	-	$	-	$	10,556
	Loans acquired with deteriorated credit quality		225		824		-		-		-		1,049
	Collectively evaluated for impairment		157,914		250,576		19,221		42,514		19,704		489,929
	Total Loans	$	158,139	$	261,956	$	19,221	$	42,514	$	19,704	$	501,534
	The following table includes the recorded investment and unpaid principal balances for impaired loans with the associated allowance amount, if applicable.  Also presented are the average recorded investments in the impaired loans and the related amount of interest recognized during the time within the period that the impaired loans were impaired.
				Unpaid
		Recorded		Principal		Associated
		Investment		Balance		Allowance
	31-Mar-15				(in thousands)
	With no related allowance recorded:
	Real Estate Loans
	Residential	$	221	$	228	$	-
	Commercial		10,531		11,063		-
	Subtotal		10,752		11,291		-
	With an allowance recorded:
	Real Estate Loans
	Commercial		656		1,520		284
	Subtotal		656		1,520		284
	Total:
	Real Estate Loans
Residential		221		228		-
Commercial		11,187		12,583		284
Total Impaired Loans	$	11,408	$	12,811	$	284
			Unpaid
	Recorded		Principal		Associated
	Investment		Balance		Allowance
31-Dec-14				(in thousands)
With no related allowance recorded:
Real Estate Loans
Residential	$	225	$	233	$	-
Commercial		8,407		8,566		-
Subtotal		8,632		8,799		-
With an allowance recorded:
Real Estate Loans
Commercial		2,973		3,837		293
Subtotal		2,973		3,837		293
Total:
Real Estate Loans
Residential		225		233		-
Commercial		11,380		12,403		293
Total Impaired Loans	$	11,605	$	12,636	$	293
The following information for impaired loans is presented (in thousands) for the three months ended March 31, 2015 and 2014:
	Average Recorded				Interest Income
	Investment				Recognized
	2015		2014		2015		2014
Total:
Real Estate Loans
Residential	$	223	$	240	$	1	$	1
Commercial		11,210		11,754		396		57
Total Loans	$	11,433	$	11,994	$	397	$	58
Troubled debt restructured loans are those loans whose terms have been renegotiated to provide a reduction or deferral of principal or interest as a result of financial difficulties experienced by the borrower, who could not obtain comparable terms from alternate financing sources.  As of March 31, 2015, troubled debt restructured loans totaled $8.6 million and resulted in specific reserves of  $33,000.  As of December 31, 2014, troubled debt restructured loans totaled $8.8 million and resulted in specific reserves of $293,000.  For the period ended March 31, 2015, there were no new loans identified as troubled debt restructurings.  During 2015, the Company recognized write-downs in the amount of $373,000 on two loans previously identified as troubled debt restructurings with a carrying value of $2.4 million as of March 31, 2015.
For the period ended March 31, 2014, there were no new loans identified as troubled debt restructures, nor were there any loan modifications classified as troubled debt restructures that subsequently defaulted during the period.
Management uses an eight point internal risk rating system to monitor the credit quality of the overall loan portfolio.  The first four categories are considered not criticized, and are aggregated as “Pass” rated.  The criticized rating categories utilized by management generally follow bank regulatory definitions.  The Special Mention category includes assets that are currently protected but are potentially weak, resulting in an undue and unwarranted credit risk, but not to the point of justifying a Substandard classification.  Loans in the Substandard category have well-defined weaknesses that jeopardize the liquidation of the debt, and have a distinct possibility that some loss will be sustained if the weaknesses are not corrected.  All loans greater than 90 days past due are considered Substandard.  Any portion of a loan that has been charged off is placed in the Loss category.
To help ensure that risk ratings are accurate and reflect the present and future capacity of borrowers to repay a loan as agreed, the Bank has a structured loan rating process with several layers of internal and external oversight.  Generally, consumer and residential mortgage loans are included in the Pass categories unless a specific action, such as non performance, repossession, or death occurs to raise awareness of a possible credit event.  The Company’s Loan Review Department is responsible for the timely and accurate risk rating of the loans on an ongoing basis.  Every credit which must be approved by Loan Committee or the Board of Directors is assigned a risk rating at time of consideration.  Loan Review also annually reviews relationships of $1,000,000 and over to assign or re-affirm risk ratings.  Loans in the Substandard categories that are collectively evaluated for impairment are given separate consideration in the determination of the allowance.
The following table presents the classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard, Doubtful and Loss within the internal risk rating system as of  March 31, 2015 and December 31, 2014 (in thousands):
			Special					Doubtful
	Pass		Mention		Substandard		and Loss		Total
31-Mar-15
Commercial real estate loans	$	250,536	$	1,957	$	13,142	$	-	$	265,635
Commercial loans		55,353		-		-		-		55,353
Total	$	305,889	$	1,957	$	13,142	$	-	$	320,988
			Special					Doubtful
	Pass		Mention		Substandard		and Loss		Total
31-Dec-14
Commercial real estate loans	$	246,629	$	1,983	$	13,344	$	-	$	261,956
Commercial loans		42,514		-		-		-		42,514
Total	$	289,143	$	1,983	$	13,344	$	-	$	304,470
For residential real estate loans, construction loans and consumer loans, the Company evaluates credit quality based on the performance of the individual credits.  The following table presents the recorded investment in the loan classes based on payment activity as of March 31, 2015 and December 31, 2014 (in thousands):
	Performing		Nonperforming		Total
31-Mar-15
Residential real estate loans	$	156,248	$	1,459	$	157,707
Construction		20,180		-		20,180
Consumer loans		20,472		2		20,474
Total	$	196,900	$	1,461	$	198,361
	Performing		Nonperforming		Total
31-Dec-14
Residential real estate loans	$	156,464	$	1,675	$	158,139
Construction		19,221		-		19,221
Consumer loans		19,700		4		19,704
Total	$	195,385	$	1,679	$	197,064
Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past due.  The following table presents the classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans as of March 31, 2015 and December 31, 2014 (in thousands):
	Current		31-60 Days Past Due		61-90 Days Past Due		Greater than 90 Days Past Due and still accruing		Non-Accrual		Total Past Due and Non-Accrual		Total Loans
31-Mar-15
Real Estate loans
Residential	$	156,071	$	177	$	-	$	-	$	1,459	$	1,636	$	157,707
Commercial		261,211		147		-		-		4,277		4,424		265,635
Construction		20,180		-		-		-		-		-		20,180
Commercial  loans		55,329		24		-		-		-		24		55,353
Consumer  loans		20,403		57		12		-		2		71		20,474
Total	$	513,194	$	405	$	12	$	-	$	5,738	$	6,155	$	519,349
	Current		31-60 Days Past Due		61-90 Days Past Due		Greater than 90 Days Past Due and still accruing		Non-Accrual		Total Past Due and Non-Accrual		Total Loans
31-Dec-14
Real Estate loans
Residential	$	156,242	$	222	$	-	$	-	$	1,675	$	1,897	$	158,139
Commercial		252,495		5,100		440		-		3,921		9,461		261,956
Construction		19,221		-		-		-		-		-		19,221
Commercial  loans		42,500		14		-		-		-		14		42,514
Consumer  loans		19,606		94		-		-		4		98		19,704
Total	$	490,064	$	5,430	$	440	$	-	$	5,600	$	11,470	$	501,534
The following table presents the allowance for loan losses by the classes of the loan portfolio:
(In thousands)	Residential Real Estate		Commercial Real Estate		Construction		Commercial		Consumer		Total
Beginning balance, December 31, 2014	$	1,323	$	3,890	$	222	$	256	$	184	$	5,875
Charge Offs		-87		-393		-		-		-15		-495
Recoveries		2		-		-		-		5		7
Provision for loan losses		115		497		-107		97		18		620
Ending balance, March 31, 2015	$	1,353	$	3,994	$	115	$	353	$	192	$	6,007
Ending balance individually evaluated	$	-	$	284	$	-	$	-	$	-	$	284
for impairment
Ending balance collectively evaluated	$	1,353	$	3,710	$	115	$	353	$	192	$	5,723
for impairment
(In thousands)	Residential Real Estate		Commercial Real Estate		Construction		Commercial		Consumer		Total
Beginning balance, December 31, 2013	$	1,441	$	3,025	$	898	$	184	$	160	$	5,708
Charge Offs		-75		-329		-		-		-11		-415
Recoveries		-		-		-		-		14		14
Provision for loan losses		-34		1,146		-667		-		-25		420
Ending balance, March 31, 2014	$	1,332	$	3,842	$	231	$	184	$	138	$	5,727
Ending balance individually evaluated	$	-	$	203	$	-	$	-	$	-	$	203
for impairment
Ending balance collectively evaluated	$	1,332	$	3,639	$	231	$	184	$	138	$	5,524
for impairment
The Company’s primary business activity as of March 31, 2015 and December 31, 2014 is with customers located in northeastern Pennsylvania. Accordingly, the Company has extended credit primarily to commercial entities and individuals in this area whose ability to honor their contracts is influenced by the region’s economy.
As of March 31, 2015, the Company considered its concentration of credit risk to be acceptable.  The highest concentrations are in the hospitality lodging industry, automobile dealers, property owners associations and resorts with loans outstanding of $34.1 million, or 37.5% of capital, to the hospitality lodging industry, $15.1 million, or 16.6% of capital to automobile dealers, $13.2 million, or 14.5% of capital, to property owners associations and $9.6 million, or 10.6 % of capital, to the resort industry.  During the three-month period ended March 31, 2015, there were no write downs in the named concentrations.
Gross realized gains and gross realized losses on sales of residential mortgage loans were $24,000 and $0, respectively, in the first three months of 2015 compared to $42,000 and $0, respectively, in the same period in 2014.  The proceeds from the sales of residential mortgage loans totaled $804,000 and $1.2 million for the three months ended March 31, 2015 and 2014, respectively.

Fair_Values_Measurements

Fair Values Measurements	3 Months Ended
	Mar. 31, 2015
Fair Value Measurements [Abstract]
Fair Value Measurements	8.         Fair Value Measurements
	Fair value estimates are based on quoted market prices, if available, quoted market prices of similar assets or liabilities, or the present value of expected future cash flows and other valuation techniques.  These valuations are significantly affected by discount rates, cash flow assumptions and risk assumptions used.  Therefore, fair value estimates may not be substantiated by comparison to independent markets and are not intended to reflect the proceeds that may be realizable in an immediate settlement of the instruments.
	Fair value is determined at one point in time and is not representative of future value.  These amounts do not reflect the total value of a going concern organization.  Management does not have the intention to dispose of a significant portion of its assets and liabilities and therefore, the unrealized gains or losses should not be interpreted as a forecast of future earnings and cash flows.
	The following is a discussion of assets and liabilities measured at fair value on a recurring basis and valuation techniques applied:
	Securities:
	The fair value of securities available for sale (carried at fair value) and held to maturity (carried at amortized cost) are determined by obtaining quoted market prices on nationally recognized securities exchanges (Level 1), or matrix pricing (Level 2), which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted market prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted prices. For certain securities which are not traded in active markets or are subject to transfer restrictions, valuations are adjusted to reflect illiquidity and/or non-transferability, and such adjustments are generally based on available market evidence (Level 3). In the absence of such evidence, management’s best estimate is used. Management’s best estimate consists of both internal and external support on certain Level 3 investments. Internal cash flow models using a present value formula that includes assumptions market participants would use along with indicative exit pricing obtained from broker/dealers (where available) are used to support fair values of certain Level 3 investments, if applicable.
	Impaired loans (generally carried at fair value):
	The Company measures impairment generally based on the fair value of the loan’s collateral.  Fair value is generally determined based upon independent third-party appraisals of the properties, or discounted cash flows based upon the lowest level of input that is significant to the fair value measurements.
	Foreclosed real estate owned (carried at fair value):
	Real estate properties acquired through, or in lieu of loan foreclosure are to be sold and are carried at fair value less estimated cost to sell.  Fair value is based upon independent market prices, appraised value of the collateral or management’s estimation of the value of the collateral.  These assets are included in Level 3 fair value based upon the lowest level of input that is significant to the fair value measurement.
	For financial assets measured at fair value on a recurring basis, the fair value measurements by level within the fair value hierarchy used at March 31, 2015 and December 31, 2014 are as follows:
			Fair Value Measurement Using
			Reporting Date
	Description		Total			Level 1			Level 2			Level 3
			(In thousands)
	31-Mar-15
	Available for Sale:
	U.S. Government agencies		$	27,132		$	-		$	27,132		$	-
	States and political subdivisions			59,058			-			59,058			-
	Corporate obligations			6,531			-			6,531			-
	Mortgage-backed securities-government
	sponsored agencies			62,577			-			62,577			-
	Equity securities-financial services			376			376			-			-
	Total		$	155,674		$	376		$	155,298		$	-
	31-Dec-14
	Available for Sale:
	U.S. Government agencies		$	28,975		$	-		$	28,975		$	-
	States and political subdivisions			54,332			-			54,332			-
	Corporate obligations			6,486			-			6,486			-
	Mortgage-backed securities-government
	sponsored agencies			66,204			-			66,204			-
	Equity securities-financial services			398			398			-			-
	Total		$	156,395		$	398		$	155,997		$	-
	For financial assets measured at fair value on a nonrecurring basis, the fair value measurements by level within the fair value hierarchy used at March 31, 2015 and December 31, 2014 are as follows:
						Fair Value Measurement Reporting Date using
	(In thousands)
	Description		Total			Level 1			Level 2			Level 3
	31-Mar-15
	Impaired Loans		$	11,124		$	-		$	-		$	11,124
	Foreclosed Real Estate Owned			1,698			-			-			1,698
	31-Dec-14
	Impaired Loans		$	11,312		$	-		$	-		$	11,312
	Foreclosed Real Estate Owned			3,726			-			-			3,726
	The following tables present additional quantitative information about assets measured at fair value on a nonrecurring basis and for which the Company has utilized Level 3 inputs to determine fair value:
			Quantitative Information about Level 3 Fair Value Measurements
	(In thousands)	Fair Value Estimate			Valuation Techniques	Unobservable Input		Range (Weighted Average)
	31-Mar-15
	Impaired loans	$	10,682		Appraisal of collateral(1)	Appraisal adjustments(2)		10.00-32.50% (21.62%)
	Impaired loans	$	442		Present value of future cash flows	Loan discount rate		6.25-7.00% (6.71%)
	Foreclosed real estate owned	$	1,698		Appraisal of collateral(1)	Liquidation Expenses(2)		10%
		Quantitative Information about Level 3 Fair Value Measurements
	(In thousands)	Fair Value Estimate			Valuation Techniques	Unobservable Input		Range (Weighted Average)
	31-Dec-14
	Impaired loans	$	11,312		Appraisal of collateral(1)	Appraisal adjustments(2)		6-33% (23.35%)
	Foreclosed real estate owned	$	3,726		Appraisal of collateral(1)	Liquidation Expenses(2)		10%
		-1		Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various Level 3 inputs which are not identifiable, less any associated allowance.
		-2		Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses.  The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal.
	The following information should not be interpreted as an estimate of the fair value of the entire Company since a fair value calculation is only provided for a limited portion of the Company’s assets and liabilities.  Due to a wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparisons between the Company’s disclosures and those of other companies may not be meaningful.  The following methods and assumptions were used to estimate the fair values of the Company’s financial instruments at March 31, 2015 and December 31, 2014.
	Cash and cash equivalents (carried at cost):
	The carrying amounts reported in the consolidated balance sheet for cash and short-term instruments approximate those assets’ fair values.
	Securities:
	The fair value of securities available for sale (carried at fair value) and held to maturity (carried at amortized cost) are determined by obtaining quoted market prices on nationally recognized securities exchanges (Level 1), or matrix pricing (Level 2), which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted market prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted prices. For certain securities which are not traded in active markets or are subject to transfer restrictions, valuations are adjusted to reflect illiquidity and/or non-transferability, and such adjustments are generally based on available market evidence (Level 3). In the absence of such evidence, management’s best estimate is used. Management’s best estimate consists of both internal and external support on certain Level 3 investments. Internal cash flow models using a present value formula that includes assumptions market participants would use along with indicative exit pricing obtained from broker/dealers (where available) are used to support fair values of certain Level 3 investments, if applicable.
	Loans receivable (carried at cost):
	The fair values of loans are estimated using discounted cash flow analyses, using market rates at the balance sheet date that reflect the credit and interest rate-risk inherent in the loans. Projected future cash flows are calculated based upon contractual maturity or call dates, projected repayments and prepayments of principal. Generally, for variable rate loans that reprice frequently and with no significant change in credit risk, fair values are based on carrying values.
Impaired loans (generally carried at fair value):
The Company measures impairment generally based on the fair value of the loan’s collateral.  Fair value is generally determined based upon independent third-party appraisals of the properties, or discounted cash flows based upon the lowest level of input that is significant to the fair value measurements.
As of March 31, 2015, the fair value investment in impaired loans totaled $11,124,000 which included two loans for $656,000 for which a valuation allowance of $284,000 had been provided based on the estimated value of the collateral or the present value of estimated cash flows, and fifteen loans for $10,752,000 which did not require a valuation allowance since the estimated realizable value of the collateral exceeded the recorded investment in the loan.  As of March 31, 2015, the Company has recognized charge-offs against the allowance for loan losses on these impaired loans in the amount of $1,395,000 over the life of the loans.
As of December 31, 2014, the fair value investment in impaired loans totaled $11,312,000 which included three loans for $2,973,000 for which a valuation allowance of $293,000 had been provided based on the estimated value of the collateral or the present value of estimated cash flows, and fourteen loans for $8,632,000 which did not require a valuation allowance since the estimated realizable value of the collateral exceeded the recorded investment in the loan.  As of December 31, 2014, the Company had recognized charge-offs against the allowance for loan losses on these impaired loans in the amount of $1,022,000 over the life of the loans.
Mortgage servicing rights (generally carried at cost)
The Company utilizes a third party provider to estimate the fair value of certain loan servicing rights.  Fair value for the purpose of this measurement is defined as the amount at which the asset could be exchanged in a current transaction between willing parties, other than in a forced liquidation.
Foreclosed real estate owned (carried at fair value):
Real estate properties acquired through, or in lieu of loan foreclosure are to be sold and are carried at fair value less estimated cost to sell. Fair value is based upon independent market prices, appraised value of the collateral or management’s estimation of the value of the collateral. These assets are included in Level 3 fair value based upon the lowest level of input that is significant to the fair value measurement.
Restricted investment in Federal Home Loan Bank stock (carried at cost):
The Company, as a member of the Federal Home Loan Bank (FHLB) system is required to maintain an investment in capital stock of its district FHLB according to a predetermined formula. This regulatory stock has no quoted market value and is carried at cost.
Bank owned life insurance (carried at cost):
The fair value is equal to the cash surrender value of the Bank owned life insurance.
Accrued interest receivable and payable (carried at cost):
The carrying amount of accrued interest receivable and accrued interest payable approximates its fair value.
Deposit liabilities (carried at cost):
The fair values disclosed for demand deposits (e.g., interest and noninterest checking, passbook savings and money market accounts) are, by definition, equal to the amount payable on demand at the reporting date (i.e., their carrying amounts). Fair values for fixed-rate certificates of deposit are estimated using a discounted cash flow calculation that applies interest rates currently being offered in the market on certificates to a schedule of aggregated expected monthly maturities on time deposits.
Short-term borrowings (carried at cost):
The carrying amounts of short-term borrowings approximate their fair values.
Other borrowings (carried at cost):
Fair values of FHLB advances are estimated using discounted cash flow analysis, based on quoted prices for new FHLB advances with similar credit risk characteristics, terms and remaining maturity. These prices obtained from this active market represent a market value that is deemed to represent the transfer price if the liability were assumed by a third party.
Off-balance sheet financial instruments (disclosed at cost):
Fair values for the Company’s off-balance sheet financial instruments (lending commitments and letters of credit) are based on fees currently charged in the market to enter into similar agreements, taking into account, the remaining terms of the agreements and the counterparties’ credit standing.
The estimated fair values of the Bank’s financial instruments were as follows at March 31, 2015 and December 31, 2014. (In thousands)
	Fair Value Measurements at March 31, 2015
	Carrying Amount			Fair Value			Level 1			Level 2			Level 3
Financial assets:
Cash and cash equivalents	$	19,627		$	19,627		$	19,627		$	-		$	-
Securities		155,674			155,674			376			155,298			-
Loans receivable, net		512,954			524,641			-			-			524,641
Mortgage servicing rights		265			265			265			-			-
Regulatory Stock		1,838			1,838			1,838			-			-
Bank owned life insurance		18,417			18,417			18,417			-			-
Accrued interest receivable		2,329			2,329			2,329			-			-
Financial liabilities:
Deposits		570,206			570,470			348,655			-			221,815
Short-term borrowings		30,581			30,581			30,581			-			-
Other borrowings		27,807			28,885			-			-			28,885
Accrued interest payable		955			955			955			-			-
Off-balance sheet financial instruments:
Commitments to extend credit and		-			-			-			-			-
outstanding letters of credit
	Fair Value Measurements at December 31, 2014
	Carrying Amount			Fair Value			Level 1			Level 2			Level 3
Financial assets:
Cash and cash equivalents	$	12,376		$	12,376		$	12,376		$	-		$	-
Securities		156,395			156,395			398			155,997			-
Loans receivable, net		495,260			507,833			-			-			507,833
Mortgage servicing rights		271			277			-			277			-
Regulatory stock		1,714			1,714			1,714			-			-
Bank owned life insurance		18,284			18,284			18,284			-			-
Accrued interest receivable		2,339			2,339			2,339			-			-
Financial liabilities:
Deposits		559,944			560,243			338,112			-			222,131
Short-term borrowings		25,695			25,695			25,695			-			-
Other borrowings		22,200			23,228			-			-			23,228
Accrued interest payable		966			966			966			-			-
Off-balance sheet financial instruments:
Commitments to extend credit and		-			-			-			-			-
outstanding letters of  credit

New_and_Recently_Adopted_Accou

New and Recently Adopted Accounting Pronouncements	3 Months Ended
	Mar. 31, 2015
New and Recently Adopted Accounting Pronouncements [Abstract]
New and Recently Adopted Accounting Pronouncements	9. New and Recently Adopted Accounting Pronouncements
	In January 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2014-01, Investments – Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Qualified Affordable Housing Projects. The amendments in this Update permit reporting entities to make an accounting policy election to account for their investments in qualified affordable housing projects using the proportional amortization method if certain conditions are met. Under the proportional amortization method, an entity amortizes the initial cost of the investment in proportion to the tax credits and other tax benefits received and recognizes the net investment performance in the income statement as a component of income tax expense (benefit).  The amendments in this Update should be applied retrospectively to all periods presented. A reporting entity that uses the effective yield method to account for its investments in qualified affordable housing projects before the date of adoption may continue to apply the effective yield method for those preexisting investments. The amendments in this Update are effective for public business entities for annual periods and interim reporting periods within those annual periods, beginning after December 15, 2014.  Early adoption is permitted. This Update did not have a significant impact on the Company’s financial statements.
	In January 2014, the FASB issued ASU 2014-04, Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40): Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure. The amendments in this Update clarify that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. The amendments in this Update are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. An entity can elect to adopt the amendments in this Update using either a modified retrospective transition method or a prospective transition method.  The Company has included the disclosures related to this Update in Note 7.
	In May 2014, the FASB issued ASU 2014-09, Revenue from Contracts with Customers (a new revenue recognition standard). The Update’s core principle is that a company will recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. In addition, this update specifies the accounting for certain costs to obtain or fulfill a contract with a customer and expands disclosure requirements for revenue recognition. This Update is effective for annual reporting periods beginning after December 15, 2016, including interim periods within that reporting period. The Company is evaluating the effect of adopting this new accounting Update.
	In June 2014, the FASB issued ASU 2014-10, Transfers and Servicing (Topic 860): Repurchase-to-Maturity Transactions, Repurchase Financings, and Disclosures.  The amendments in this Update change the accounting for repurchase-to-maturity transactions to secured borrowing accounting.  For repurchase financing arrangements, the amendments require separate accounting for a transfer of a financial asset executed contemporaneously with a repurchase agreement with the same counterparty, which will result in secured borrowing accounting for the repurchase agreement.  The amendments also require enhanced disclosures.  The accounting changes in this Update are effective for the first interim or annual period beginning after December 15, 2014.  An entity is required to present changes in accounting for transactions outstanding on the effective date as a cumulative-effect adjustment to retained earnings as of the beginning of the period of adoption. Earlier application is prohibited.  The disclosure for certain transactions accounted for as a sale is required to be presented for interim and annual periods beginning after December 15, 2014, and the disclosure for repurchase agreements, securities lending transactions, and repurchase-to-maturity transactions accounted for as secured borrowings is required to be presented for annual periods beginning after December 15, 2014, and for interim periods beginning after March 15, 2015. The disclosures are not required to be presented for comparative periods before the effective date.  This Update did not have a significant impact on the Company’s financial statements.
	In June 2014, the FASB issued ASU 2014-12, Compensation-Stock Compensation (Topic 718): Accounting for Share-Based Payments when the Terms of an Award Provide that a Performance Target Could Be Achieved After the Requisite Service Period.  The amendments require that a performance target that affects vesting and that could be achieved after the requisite service period be treated as a performance condition. The amendments in this Update are effective for annual periods and interim periods within those annual periods beginning after December 15, 2015. Earlier adoption is permitted. Entities may apply the amendments in this Update either (a) prospectively to all awards granted or modified after the effective date or (b) retrospectively to all awards with performance targets that are outstanding as of the beginning of the earliest annual period presented in the financial statements and to all new or modified awards thereafter. If retrospective transition is adopted, the cumulative effect of applying this Update as of the beginning of the earliest annual period presented in the financial statements should be recognized as an adjustment to the opening retained earnings balance at that date. Additionally, if retrospective transition is adopted, an entity may use hindsight in measuring and recognizing the compensation cost.  This Update is not expected to have a significant impact on the Company’s financial statements.
	In August 2014, the FASB issued ASU 2014-14, Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40).  The amendments in this Update require that a mortgage loan be derecognized and that a separate other receivable be recognized upon foreclosure if the following conditions are met:  (1) the loan has a government guarantee that is not separable from the loan before foreclosure, (2) at the time of foreclosure, the creditor has the intent to convey the real estate property to the guarantor and make a claim on the guarantee, and the creditor has the ability to recover under that claim, and (3) at the time of foreclosure, any amount of the claim that is determined on the basis of the fair value of the real estate is fixed.  Upon foreclosure, the separate other receivable should be measured based on the amount of the loan balance (principal and interest) expected to be recovered from the guarantor.  The amendments in this Update are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014.  This Update did not have a significant impact on the Company’s financial statements.
	In August 2014, the FASB issued ASU 2014-15, Presentation of Financial Statements -Going Concern (Subtopic 205-40).  The amendments in this Update provide guidance in accounting principles generally accepted in the United States of America about management's responsibility to evaluate whether there is substantial doubt about an entity's ability to continue as a going concern and to provide related footnote disclosures.  The amendments in this Update are effective for the annual period ending after December 15, 2016, and for annual periods and interim periods thereafter. Early application is permitted.    This Update is not expected to have a significant impact on the Company’s financial statements.
	In November 2014, the FASB issued ASU 2014-16, Derivatives and Hedging (Topic 815): Determining Whether the Host Contract in a Hybrid Financial Instrument Issued in the Form of a Share Is More Akin to Debt or to Equity (a consensus of the FASB Emerging Issues Task Force).  This ASU clarifies how current U.S. GAAP should be interpreted in subjectively evaluating the economic characteristics and risks of a host contract in a hybrid financial instrument that is issued in the form of a share. Public business entities are required to implement the new requirements in fiscal years and interim periods within those fiscal years beginning after December 15, 2015. This Update is not expected to have a significant impact on the Company’s financial statements.
	In November 2014, the FASB issued ASU 2014-17, Business Combinations (Topic 805): Pushdown Accounting. The amendments in this Update apply to the separate financial statements of an acquired entity and its subsidiaries that are a business or nonprofit activity (either public or nonpublic) upon the occurrence of an event in which an acquirer (an individual or an entity) obtains control of the acquired entity.  An acquired entity may elect the option to apply pushdown accounting in the reporting period in which the change-in-control event occurs. If pushdown accounting is not applied in the reporting period in which the change-in-control event occurs, an acquired entity will have the option to elect to apply pushdown accounting in a subsequent reporting period to the acquired entity's most recent change-in-control event. The amendments in this Update are effective on November 18, 2014. After the effective date, an acquired entity can make an election to apply the guidance to future change-in-control events or to its most recent change-in-control event. This Update is not expected to have a significant impact on the Company’s financial statements.
	In January 2015, the FASB issued ASU 2015-01, Income Statement –Extraordinary and Unusual Items, as part of its initiative to reduce complexity in accounting standards.  This Update eliminates from GAAP the concept of extraordinary items.  The amendments in this Update are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. A reporting entity may apply the amendments prospectively. A reporting entity also may apply the amendments retrospectively to all prior periods presented in the financial statements. Early adoption is permitted provided that the guidance is applied from the beginning of the fiscal year of adoption.  This Update is not expected to have a significant impact on the Company’s financial statements.
	In February 2015, the FASB issued ASU 2015-02, Consolidation (Topic 810). The amendments in this Update affect reporting entities that are required to evaluate whether they should consolidate certain legal entities. All legal entities are subject to reevaluation under the revised consolidation model. Specifically, the amendments (1) Modify the evaluation of whether limited partnerships and similar legal entities are variable interest entities (VIEs) or voting interest entities; (2) Eliminate the presumption that a general partner should consolidate a limited partnership; (3) Affect the consolidation analysis of reporting entities that are involved with VIEs, particularly those that have fee arrangements and related party relationships; (4) Provide a scope exception from consolidation guidance for reporting entities with interests in legal entities that are required to comply with or operate in accordance with requirements that are similar to those in Rule 2a-7 of the Investment Company Act of 1940 for registered money market funds.  The amendments in this Update are effective for public business entities for fiscal years, and for interim periods within those fiscal years, beginning after December 15, 2015.  For all other entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2016, and for interim periods within fiscal years beginning after December 15, 2017.  This Update is not expected to have a significant impact on the Company’s financial statements.
	In April 2015, the FASB issued ASU 2015-03, Interest-Imputation of Interest (Subtopic 835-30), as part of its initiative to reduce complexity in accounting standards.  To simplify presentation of debt issuance costs, the amendments in this Update require that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. The recognition and measurement guidance for debt issuance costs are not affected by the amendments in this Update.  For public business entities, the amendments in this Update are effective for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within those fiscal years.  For all other entities, the amendments in this Update are effective for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within fiscal years beginning after December 15, 2016.  An entity should apply the new guidance on a retrospective basis, wherein the balance sheet of each individual period presented should be adjusted to reflect the period-specific effects of applying the new guidance. This Update is not expected to have a significant impact on the Company’s financial statements.
	In April 2015, the FASB issued ASU 2015-04, Compensation-Retirement Benefits (Topic 715), as part of its initiative to reduce complexity in accounting standards.  For an entity with a fiscal year-end that does not coincide with a month-end, the amendments in this Update provide a practical expedient that permits the entity to measure defined benefit plan assets and obligations using the month-end that is closest to the entity's fiscal year-end and apply that practical expedient consistently from year to year. The practical expedient should be applied consistently to all plans if an entity has more than one plan. The amendments in this Update are effective for public business entities for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within those fiscal years. For all other entities, the amendments in this Update are effective for financial statements issued for fiscal years beginning after December 15, 2016, and interim periods within fiscal years beginning after December 15, 2017. Earlier application is permitted. This Update is not expected to have a significant impact on the Company’s financial statements.
	In April 2015, the FASB issued ASU 2015-05, Intangible – Goodwill and Other Internal Use Software (Topic 350-40), as part of its initiative to reduce complexity in accounting standards. This guidance  will help entities evaluate the accounting for fees paid by a customer in a cloud computing arrangement. The amendments in this Update provide guidance to customers about whether a cloud computing arrangement includes a software license. If a cloud computing arrangement includes a software license, then the customer should account for the software license element of the arrangement consistent with the acquisition of other software licenses. If a cloud computing arrangement does not include a software license, the customer should account for the arrangement as a service contract.  For public business entities, the Board decided that the amendments will be effective for annual periods, including interim periods within those annual periods, beginning after December 15, 2015. For all other entities, the amendments will be effective for annual periods beginning after December 15, 2015, and interim periods in annual periods beginning after December 15, 2016. Early adoption is permitted for all entities.  This Update is not expected to have a significant impact on the Company’s financial statements.

Basis_of_Presentation_Policy

Basis of Presentation (Policy)	3 Months Ended
	Mar. 31, 2015
Basis of Presentation [Abstract]
Basis of Accounting, Policy [Policy Text Block]	The accompanying unaudited consolidated  financial statements have been prepared in conformity with generally accepted accounting principles for interim financial statements and with instructions to Form 10-Q. Accordingly, they do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. In preparing the financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and revenues and expenses for the period.  Actual results could differ from those estimates.  The financial statements reflect, in the opinion of management, all normal, recurring adjustments necessary to present fairly the financial position and results of operations of the Company.  The operating results for the three month period ended March 31, 2015 are not necessarily indicative of the results that may be expected for the year ending December 31, 2015 or any other future interim period.

Earnings_Per_Share_Policy

Earnings Per Share (Policy)	3 Months Ended
	Mar. 31, 2015
Earnings Per Share [Abstract]
Earnings Per Share, Policy [Policy Text Block]	Basic earnings per share represents income available to common stockholders divided by the weighted average number of common shares outstanding during the period.  Diluted earnings per share reflect additional common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance.  Potential common shares that may be issued by the Company relate solely to outstanding stock options and are determined using the treasury stock method.

Loans_Receivable_and_Allowance1

Loans Receivable and Allowance for Loan Losses (Policy)	3 Months Ended
	Mar. 31, 2015
Loans Receivable and Allowance for Loan Losses [Abstract]
Finance, Loans and Leases Receivable, Policy [Policy Text Block]	The Company maintains a loan review system, which allows for a periodic review of our loan portfolio and the early identification of potential impaired loans.  Such system takes into consideration, among other things, delinquency status, size of loans, type and market value of collateral and financial condition of the borrowers.  Specific loan loss allowances are established for identified losses based on a review of such information.  A loan evaluated for impairment is considered to be impaired when, based on current information and events, it is probably that we will be unable to collect all amounts due according to the contractual terms of the loan agreement.  All loans identified as impaired are evaluated independently.  We do not aggregate such loans for evaluation purposes.  Impairment is measured on a loan-by-loan basis for commercial and construction loans by the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral-dependent.
	Large groups of smaller balance homogeneous loans are collectively evaluated for impairment.  Accordingly, the Company does not separately identify individual consumer and residential mortgage loans for impairment disclosures, unless such loans are part of a larger relationship that is impaired, or are classified as a troubled debt restructuring.
	A loan is considered to be a troubled debt restructuring (“TDR”) loan when the Company grants a concession to the borrower because of the borrower’s financial condition that it would not otherwise consider.  Such concessions include the reduction of interest rates, forgiveness of principal or interest, or other modifications of interest rates that are less than the current market rate for new obligations with similar risk.

New_and_Recently_Adopted_Accou1

New and Recently Adopted Accounting Pronouncements (Policy)	3 Months Ended
	Mar. 31, 2015
New and Recently Adopted Accounting Pronouncements [Abstract]
New Accounting Pronouncements, Policy [Policy Text Block]	In January 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2014-01, Investments – Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Qualified Affordable Housing Projects. The amendments in this Update permit reporting entities to make an accounting policy election to account for their investments in qualified affordable housing projects using the proportional amortization method if certain conditions are met. Under the proportional amortization method, an entity amortizes the initial cost of the investment in proportion to the tax credits and other tax benefits received and recognizes the net investment performance in the income statement as a component of income tax expense (benefit).  The amendments in this Update should be applied retrospectively to all periods presented. A reporting entity that uses the effective yield method to account for its investments in qualified affordable housing projects before the date of adoption may continue to apply the effective yield method for those preexisting investments. The amendments in this Update are effective for public business entities for annual periods and interim reporting periods within those annual periods, beginning after December 15, 2014.  Early adoption is permitted. This Update did not have a significant impact on the Company’s financial statements.
	In January 2014, the FASB issued ASU 2014-04, Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40): Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure. The amendments in this Update clarify that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. The amendments in this Update are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. An entity can elect to adopt the amendments in this Update using either a modified retrospective transition method or a prospective transition method.  The Company has included the disclosures related to this Update in Note 7.
	In May 2014, the FASB issued ASU 2014-09, Revenue from Contracts with Customers (a new revenue recognition standard). The Update’s core principle is that a company will recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. In addition, this update specifies the accounting for certain costs to obtain or fulfill a contract with a customer and expands disclosure requirements for revenue recognition. This Update is effective for annual reporting periods beginning after December 15, 2016, including interim periods within that reporting period. The Company is evaluating the effect of adopting this new accounting Update.
	In June 2014, the FASB issued ASU 2014-10, Transfers and Servicing (Topic 860): Repurchase-to-Maturity Transactions, Repurchase Financings, and Disclosures.  The amendments in this Update change the accounting for repurchase-to-maturity transactions to secured borrowing accounting.  For repurchase financing arrangements, the amendments require separate accounting for a transfer of a financial asset executed contemporaneously with a repurchase agreement with the same counterparty, which will result in secured borrowing accounting for the repurchase agreement.  The amendments also require enhanced disclosures.  The accounting changes in this Update are effective for the first interim or annual period beginning after December 15, 2014.  An entity is required to present changes in accounting for transactions outstanding on the effective date as a cumulative-effect adjustment to retained earnings as of the beginning of the period of adoption. Earlier application is prohibited.  The disclosure for certain transactions accounted for as a sale is required to be presented for interim and annual periods beginning after December 15, 2014, and the disclosure for repurchase agreements, securities lending transactions, and repurchase-to-maturity transactions accounted for as secured borrowings is required to be presented for annual periods beginning after December 15, 2014, and for interim periods beginning after March 15, 2015. The disclosures are not required to be presented for comparative periods before the effective date.  This Update did not have a significant impact on the Company’s financial statements.
	In June 2014, the FASB issued ASU 2014-12, Compensation-Stock Compensation (Topic 718): Accounting for Share-Based Payments when the Terms of an Award Provide that a Performance Target Could Be Achieved After the Requisite Service Period.  The amendments require that a performance target that affects vesting and that could be achieved after the requisite service period be treated as a performance condition. The amendments in this Update are effective for annual periods and interim periods within those annual periods beginning after December 15, 2015. Earlier adoption is permitted. Entities may apply the amendments in this Update either (a) prospectively to all awards granted or modified after the effective date or (b) retrospectively to all awards with performance targets that are outstanding as of the beginning of the earliest annual period presented in the financial statements and to all new or modified awards thereafter. If retrospective transition is adopted, the cumulative effect of applying this Update as of the beginning of the earliest annual period presented in the financial statements should be recognized as an adjustment to the opening retained earnings balance at that date. Additionally, if retrospective transition is adopted, an entity may use hindsight in measuring and recognizing the compensation cost.  This Update is not expected to have a significant impact on the Company’s financial statements.
	In August 2014, the FASB issued ASU 2014-14, Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40).  The amendments in this Update require that a mortgage loan be derecognized and that a separate other receivable be recognized upon foreclosure if the following conditions are met:  (1) the loan has a government guarantee that is not separable from the loan before foreclosure, (2) at the time of foreclosure, the creditor has the intent to convey the real estate property to the guarantor and make a claim on the guarantee, and the creditor has the ability to recover under that claim, and (3) at the time of foreclosure, any amount of the claim that is determined on the basis of the fair value of the real estate is fixed.  Upon foreclosure, the separate other receivable should be measured based on the amount of the loan balance (principal and interest) expected to be recovered from the guarantor.  The amendments in this Update are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014.  This Update did not have a significant impact on the Company’s financial statements.
	In August 2014, the FASB issued ASU 2014-15, Presentation of Financial Statements -Going Concern (Subtopic 205-40).  The amendments in this Update provide guidance in accounting principles generally accepted in the United States of America about management's responsibility to evaluate whether there is substantial doubt about an entity's ability to continue as a going concern and to provide related footnote disclosures.  The amendments in this Update are effective for the annual period ending after December 15, 2016, and for annual periods and interim periods thereafter. Early application is permitted.    This Update is not expected to have a significant impact on the Company’s financial statements.
	In November 2014, the FASB issued ASU 2014-16, Derivatives and Hedging (Topic 815): Determining Whether the Host Contract in a Hybrid Financial Instrument Issued in the Form of a Share Is More Akin to Debt or to Equity (a consensus of the FASB Emerging Issues Task Force).  This ASU clarifies how current U.S. GAAP should be interpreted in subjectively evaluating the economic characteristics and risks of a host contract in a hybrid financial instrument that is issued in the form of a share. Public business entities are required to implement the new requirements in fiscal years and interim periods within those fiscal years beginning after December 15, 2015. This Update is not expected to have a significant impact on the Company’s financial statements.
	In November 2014, the FASB issued ASU 2014-17, Business Combinations (Topic 805): Pushdown Accounting. The amendments in this Update apply to the separate financial statements of an acquired entity and its subsidiaries that are a business or nonprofit activity (either public or nonpublic) upon the occurrence of an event in which an acquirer (an individual or an entity) obtains control of the acquired entity.  An acquired entity may elect the option to apply pushdown accounting in the reporting period in which the change-in-control event occurs. If pushdown accounting is not applied in the reporting period in which the change-in-control event occurs, an acquired entity will have the option to elect to apply pushdown accounting in a subsequent reporting period to the acquired entity's most recent change-in-control event. The amendments in this Update are effective on November 18, 2014. After the effective date, an acquired entity can make an election to apply the guidance to future change-in-control events or to its most recent change-in-control event. This Update is not expected to have a significant impact on the Company’s financial statements.
	In January 2015, the FASB issued ASU 2015-01, Income Statement –Extraordinary and Unusual Items, as part of its initiative to reduce complexity in accounting standards.  This Update eliminates from GAAP the concept of extraordinary items.  The amendments in this Update are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. A reporting entity may apply the amendments prospectively. A reporting entity also may apply the amendments retrospectively to all prior periods presented in the financial statements. Early adoption is permitted provided that the guidance is applied from the beginning of the fiscal year of adoption.  This Update is not expected to have a significant impact on the Company’s financial statements.
	In February 2015, the FASB issued ASU 2015-02, Consolidation (Topic 810). The amendments in this Update affect reporting entities that are required to evaluate whether they should consolidate certain legal entities. All legal entities are subject to reevaluation under the revised consolidation model. Specifically, the amendments (1) Modify the evaluation of whether limited partnerships and similar legal entities are variable interest entities (VIEs) or voting interest entities; (2) Eliminate the presumption that a general partner should consolidate a limited partnership; (3) Affect the consolidation analysis of reporting entities that are involved with VIEs, particularly those that have fee arrangements and related party relationships; (4) Provide a scope exception from consolidation guidance for reporting entities with interests in legal entities that are required to comply with or operate in accordance with requirements that are similar to those in Rule 2a-7 of the Investment Company Act of 1940 for registered money market funds.  The amendments in this Update are effective for public business entities for fiscal years, and for interim periods within those fiscal years, beginning after December 15, 2015.  For all other entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2016, and for interim periods within fiscal years beginning after December 15, 2017.  This Update is not expected to have a significant impact on the Company’s financial statements.
	In April 2015, the FASB issued ASU 2015-03, Interest-Imputation of Interest (Subtopic 835-30), as part of its initiative to reduce complexity in accounting standards.  To simplify presentation of debt issuance costs, the amendments in this Update require that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. The recognition and measurement guidance for debt issuance costs are not affected by the amendments in this Update.  For public business entities, the amendments in this Update are effective for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within those fiscal years.  For all other entities, the amendments in this Update are effective for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within fiscal years beginning after December 15, 2016.  An entity should apply the new guidance on a retrospective basis, wherein the balance sheet of each individual period presented should be adjusted to reflect the period-specific effects of applying the new guidance. This Update is not expected to have a significant impact on the Company’s financial statements.
	In April 2015, the FASB issued ASU 2015-04, Compensation-Retirement Benefits (Topic 715), as part of its initiative to reduce complexity in accounting standards.  For an entity with a fiscal year-end that does not coincide with a month-end, the amendments in this Update provide a practical expedient that permits the entity to measure defined benefit plan assets and obligations using the month-end that is closest to the entity's fiscal year-end and apply that practical expedient consistently from year to year. The practical expedient should be applied consistently to all plans if an entity has more than one plan. The amendments in this Update are effective for public business entities for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within those fiscal years. For all other entities, the amendments in this Update are effective for financial statements issued for fiscal years beginning after December 15, 2016, and interim periods within fiscal years beginning after December 15, 2017. Earlier application is permitted. This Update is not expected to have a significant impact on the Company’s financial statements.
	In April 2015, the FASB issued ASU 2015-05, Intangible – Goodwill and Other Internal Use Software (Topic 350-40), as part of its initiative to reduce complexity in accounting standards. This guidance  will help entities evaluate the accounting for fees paid by a customer in a cloud computing arrangement. The amendments in this Update provide guidance to customers about whether a cloud computing arrangement includes a software license. If a cloud computing arrangement includes a software license, then the customer should account for the software license element of the arrangement consistent with the acquisition of other software licenses. If a cloud computing arrangement does not include a software license, the customer should account for the arrangement as a service contract.  For public business entities, the Board decided that the amendments will be effective for annual periods, including interim periods within those annual periods, beginning after December 15, 2015. For all other entities, the amendments will be effective for annual periods beginning after December 15, 2015, and interim periods in annual periods beginning after December 15, 2016. Early adoption is permitted for all entities.  This Update is not expected to have a significant impact on the Company’s financial statements.

Earnings_Per_Share_Tables

Earnings Per Share (Tables)	3 Months Ended
	Mar. 31, 2015
Earnings Per Share [Abstract]
Earnings Per Share [Table Text Block]
		Three Months Ended
		March 31,
		2015	2014
	Basic EPS weighted average shares outstanding	3,680	3,643
	Dilutive effect of stock options	6	10
	Diluted EPS weighted average shares outstanding	3,686	3,653

Stock_Based_Compensation_Table

Stock Based Compensation (Tables)	3 Months Ended
	Mar. 31, 2015
Stock-Based Compensation [Abstract]
Summary of Stock Option Activity [Table Text Block]
			Weighted
			Average Exercise		Weighted Average		Aggregate
			Price		Remaining		Intrinsic Value
		Options	Per Share		Contractual Term		$0
	Outstanding at January 1, 2015	206,463	$	26.74	5.7	Yrs.	$	478
	Granted	-		-	-			-
	Exercised	-5,978		25.87	5.1			-
	Forfeited	-		-	-			-
	Outstanding at March 31, 2015	200,485	$	26.76	5.5		$	235
	Exercisable at March 31, 2015	187,985	$	26.61	5.2	Yrs.	$	235
Schedule of Share-based Compensation, Restricted Stock Units Award Activity [Table Text Block]
				Weighted-Average
		Number of		Grant Date
		Restricted Stock		Fair Value
	Outstanding, January 1, 2015	9,300	$	29.08
	Granted	-		-
	Vested	-		-
	Forfeited	-		-
	Non-vested at March 31, 2015	9,300	$	29.08

Accumulated_Other_Comprehensiv1

Accumulated Other Comprehensive Income (Tables)	3 Months Ended
	Mar. 31, 2015
Accumulated Other Comprehensive Income [Abstract]
Components of Accumulated Other Comprehensive Income [Table Text Block]
		Unrealized gains (losses) on
		available for sale
		securities (a)
	Balance as of December 31, 2014	$	462
	Other comprehensive income before reclassification		654
	Amount reclassified from accumulated other comprehensive income		-205
	Total other comprehensive income		449
	Balance as of March 31, 2015	$	911
		Unrealized gains (losses) on
		available for sale
		securities (a)
	Balance as of  December 31, 2013	$	-2,602
	Other comprehensive income before reclassification		1,665
	Amount reclassified from accumulated other comprehensive income		-63
	Total other comprehensive income		1,602
	Balance as of March 31, 2014	$	-1,000
Items Reclassified Out of Each Component of OCI [Table Text Block]
			Amount Reclassified
			From Accumulated				Affected Line Item in
			Other				the Statement Where
			Comprehensive				Net Income is
	Details about other comprehensive income		Income (a)				Presented
				Three months ended
				March 31,
				2015		2014
	Unrealized gains on available for sale securities		$	311	$	95	Net realized gains on sales of securities
				-106		-32	Income tax expense
			$	205	$	63	Net of tax

OffBalance_Sheet_Financial_Ins1

Off-Balance Sheet Financial Instruments and Guarantees (Tables)	3 Months Ended
	Mar. 31, 2015
Off-Balance Sheet Financial Instruments and Guarantees [Abstract]
Schedule of Fair Value, Off-balance Sheet Risks [Table Text Block]	A summary of the Bank’s financial instrument commitments is as follows:
	(in thousands)	March 31,
		2015		2014
	Unfunded availability under loan commitments	$	25,951	$	24,728
	Unfunded commitments under lines of credit		48,873		46,360
	Standby letters of credit		5,776		5,700
		$	80,600	$	76,788

Securities_Tables

Securities (Tables)	3 Months Ended
	Mar. 31, 2015
Securities [Abstract]
Amortized Cost and Fair Values of Securities [Table Text Block]
			31-Mar-15
						Gross			Gross
			Amortized			Unrealized			Unrealized			Fair
			Cost			Gains			Losses			Value
			(In Thousands)
	Available for Sale:
	U.S. Government agencies		$	27,100		$	129		$	-97		$	27,132
	States and political subdivisions			57,831			1,522			-295			59,058
	Corporate obligations			6,351			180			-			6,531
	Mortgage-backed securities-
	government sponsored entities			62,713			364			-500			62,577
	Total debt securities			153,995			2,195			-892			155,298
	Equity securities-financial services			292			84			-			376
			$	154,287		$	2,279		$	-892		$	155,674
			31-Dec-14
						Gross			Gross
			Amortized			Unrealized			Unrealized			Fair
			Cost			Gains			Losses			Value
			(In Thousands)
	Available for Sale:
	U.S. Government agencies		$	29,289		$	42		$	-356		$	28,975
	States and political subdivisions			52,685			1,750			-103			54,332
	Corporate obligations			6,387			110			-11			6,486
	Mortgage-backed securities-government
	sponsored entities			67,032			109			-937			66,204
	Total debt securities			155,393			2,011			-1,407			155,997
	Equity securities-financial services			292			106			-			398
			$	155,685		$	2,117		$	-1,407		$	156,395
Investments' Gross Unrealized Losses and Fair Value [Table Text Block]
		31-Mar-15
		Less than 12 Months						12 Months or More						Total
		Fair Value			Unrealized Losses			Fair Value			Unrealized Losses			Fair Value		Unrealized Losses
	U.S. government agencies	$	3,010		$	-12		$	9,111		$	-85		$	12,121	$	-97
	States and political subdivisions		12,141			-238			2,477			-57			14,618		-295
	Mortgage-backed securities-government sponsored agencies		13,040			-118			20,029			-382			33,069		-500
		$	28,191		$	-368		$	31,617		$	-524		$	59,808	$	-892
		31-Dec-14
		Less than 12 Months						12 Months or More						Total
		Fair Value			Unrealized Losses			Fair Value			Unrealized Losses			Fair Value		Unrealized Losses
	U.S. government agencies	$	4,965		$	-17		$	15,051		$	-339		$	20,016	$	-356
	States and political subdivisions		3,195			-20			4,633			-83			7,828		-103
	Corporate obligations		-			-			1,144			-11			1,144		-11
	Mortgage-backed securities-government sponsored agencies		22,090			-189			26,050			-748			48,140		-937
		$	30,250		$	-226		$	46,878		$	-1,181		$	77,128	$	-1,407
Securities by Contractual Maturity [Table Text Block]
			Available for Sale
	(In Thousands)		Amortized Cost			Fair Value
	Due in one year or less		$	1,250		$	1,265
	Due after one year through five years			25,192			25,391
	Due after five years through ten years			17,737			17,827
	Due after ten years			47,103			48,238
	Mortgage-backed securities-government sponsored agencies			62,713			62,577
			$	153,995		$	155,298
Gross Realized Gains and Losses on Sales of Securities Available-for-Sale [Table Text Block]
			Three Months
			Ended March 31,
			2015			2014
	Gross realized gains		$	311		$	95
	Gross realized losses			-			-
	Net realized gain		$	311		$	95
	Proceeds from sales of securities		$	13,976		$	12,080

Loans_Receivable_and_Allowance2

Loans Receivable and Allowance for Loan Losses (Tables)	3 Months Ended
	Mar. 31, 2015
Loans Receivable and Allowance for Loan Losses [Abstract]
Composition of Loans Receivable [Table Text Block]
		Types of loans
		(dollars in thousands)
		31-Mar-15				31-Dec-14
	Real Estate-Residential	$	157,707	30.4	%	$	158,139	31.5	%
	Commercial		265,635	51.1			261,956	52.2
	Construction		20,180	3.9			19,221	3.9
	Commercial, financial and agricultural		55,353	10.7			42,514	8.5
	Consumer loans to individuals		20,474	3.9			19,704	3.9
	Total loans		519,349	100.0	%		501,534	100.0	%
	Deferred fees, net		-388				-399
	Total loans receivable		518,961				501,135
	Allowance for loan losses		-6,007				-5,875
	Net loans receivable	$	512,954			$	495,260
Changes In The Accretable Yield For Purchased Credit Impaired Loans [Table Text Block]
		2015		2014
	Balance at beginning of period	$	8	$	20
	Accretion		-		-7
	Reclassification and other		-		-
	Balance at end of period	$	8	$	13
Loans Acquired And Accounted For in Accordance With ASC 310-30 [Table Text Block]
		31-Mar-15		31-Dec-14
	Outstanding Balance	$	1,045	$	1,057
	Carrying Amount	$	1,038	$	1,049
Impaired Loans and Related Interest Income by Loan Portfolio Class [Table Text Block]	The following table shows the amount of loans in each category that were individually and collectively evaluated for impairment at the dates indicated:
		Real Estate Loans
								Commercial		Consumer
		Residential		Commercial		Construction		Loans		Loans		Total
	31-Mar-15	(In thousands)
	Individually evaluated for impairment	$	-	$	10,370	$	-	$	-	$	-	$	10,370
	Loans acquired with deteriorated credit quality		221		817		-		-		-		1,038
	Collectively evaluated for impairment		157,486		254,448		20,180		55,353		20,474		507,941
	Total Loans	$	157,707	$	265,635	$	20,180	$	55,353	$	20,474	$	519,349
		Real Estate Loans
								Commercial		Consumer
		Residential		Commercial		Construction		Loans		Loans		Total
		(In thousands)
	31-Dec-14
	Individually evaluated for impairment	$	-	$	10,556	$	-	$	-	$	-	$	10,556
	Loans acquired with deteriorated credit quality		225		824		-		-		-		1,049
	Collectively evaluated for impairment		157,914		250,576		19,221		42,514		19,704		489,929
	Total Loans	$	158,139	$	261,956	$	19,221	$	42,514	$	19,704	$	501,534
	The following table includes the recorded investment and unpaid principal balances for impaired loans with the associated allowance amount, if applicable.  Also presented are the average recorded investments in the impaired loans and the related amount of interest recognized during the time within the period that the impaired loans were impaired.
				Unpaid
		Recorded		Principal		Associated
		Investment		Balance		Allowance
	31-Mar-15				(in thousands)
	With no related allowance recorded:
	Real Estate Loans
	Residential	$	221	$	228	$	-
	Commercial		10,531		11,063		-
	Subtotal		10,752		11,291		-
	With an allowance recorded:
	Real Estate Loans
	Commercial		656		1,520		284
	Subtotal		656		1,520		284
	Total:
	Real Estate Loans
	Residential		221		228		-
	Commercial		11,187		12,583		284
	Total Impaired Loans	$	11,408	$	12,811	$	284
				Unpaid
		Recorded		Principal		Associated
		Investment		Balance		Allowance
	31-Dec-14				(in thousands)
	With no related allowance recorded:
	Real Estate Loans
	Residential	$	225	$	233	$	-
	Commercial		8,407		8,566		-
	Subtotal		8,632		8,799		-
	With an allowance recorded:
	Real Estate Loans
	Commercial		2,973		3,837		293
	Subtotal		2,973		3,837		293
	Total:
	Real Estate Loans
	Residential		225		233		-
	Commercial		11,380		12,403		293
	Total Impaired Loans	$	11,605	$	12,636	$	293
	The following information for impaired loans is presented (in thousands) for the three months ended March 31, 2015 and 2014:
		Average Recorded				Interest Income
		Investment				Recognized
		2015		2014		2015		2014
	Total:
	Real Estate Loans
	Residential	$	223	$	240	$	1	$	1
	Commercial		11,210		11,754		396		57
	Total Loans	$	11,433	$	11,994	$	397	$	58
Classes of the Loan Portfolio Summarized by the Aggregate Risk Rating [Table Text Block]
				Special					Doubtful
		Pass		Mention		Substandard		and Loss		Total
	31-Mar-15
	Commercial real estate loans	$	250,536	$	1,957	$	13,142	$	-	$	265,635
	Commercial loans		55,353		-		-		-		55,353
	Total	$	305,889	$	1,957	$	13,142	$	-	$	320,988
				Special					Doubtful
		Pass		Mention		Substandard		and Loss		Total
	31-Dec-14
	Commercial real estate loans	$	246,629	$	1,983	$	13,344	$	-	$	261,956
	Commercial loans		42,514		-		-		-		42,514
	Total	$	289,143	$	1,983	$	13,344	$	-	$	304,470
	For residential real estate loans, construction loans and consumer loans, the Company evaluates credit quality based on the performance of the individual credits.  The following table presents the recorded investment in the loan classes based on payment activity as of March 31, 2015 and December 31, 2014 (in thousands):
		Performing		Nonperforming		Total
	31-Mar-15
	Residential real estate loans	$	156,248	$	1,459	$	157,707
	Construction		20,180		-		20,180
	Consumer loans		20,472		2		20,474
	Total	$	196,900	$	1,461	$	198,361
		Performing		Nonperforming		Total
	31-Dec-14
	Residential real estate loans	$	156,464	$	1,675	$	158,139
	Construction		19,221		-		19,221
	Consumer loans		19,700		4		19,704
	Total	$	195,385	$	1,679	$	197,064
Loan Portfolio Summarized by the Past Due Status [Table Text Block]
		Current		31-60 Days Past Due		61-90 Days Past Due		Greater than 90 Days Past Due and still accruing		Non-Accrual		Total Past Due and Non-Accrual		Total Loans
	31-Mar-15
	Real Estate loans
	Residential	$	156,071	$	177	$	-	$	-	$	1,459	$	1,636	$	157,707
	Commercial		261,211		147		-		-		4,277		4,424		265,635
	Construction		20,180		-		-		-		-		-		20,180
	Commercial  loans		55,329		24		-		-		-		24		55,353
	Consumer  loans		20,403		57		12		-		2		71		20,474
	Total	$	513,194	$	405	$	12	$	-	$	5,738	$	6,155	$	519,349
		Current		31-60 Days Past Due		61-90 Days Past Due		Greater than 90 Days Past Due and still accruing		Non-Accrual		Total Past Due and Non-Accrual		Total Loans
	31-Dec-14
	Real Estate loans
	Residential	$	156,242	$	222	$	-	$	-	$	1,675	$	1,897	$	158,139
	Commercial		252,495		5,100		440		-		3,921		9,461		261,956
	Construction		19,221		-		-		-		-		-		19,221
	Commercial  loans		42,500		14		-		-		-		14		42,514
	Consumer  loans		19,606		94		-		-		4		98		19,704
	Total	$	490,064	$	5,430	$	440	$	-	$	5,600	$	11,470	$	501,534
Allowance for Loan Losses and Recorded Investment in Financing Receivables [Table Text Block]	The following table presents the allowance for loan losses by the classes of the loan portfolio:
	(In thousands)	Residential Real Estate		Commercial Real Estate		Construction		Commercial		Consumer		Total
	Beginning balance, December 31, 2014	$	1,323	$	3,890	$	222	$	256	$	184	$	5,875
	Charge Offs		-87		-393		-		-		-15		-495
	Recoveries		2		-		-		-		5		7
	Provision for loan losses		115		497		-107		97		18		620
	Ending balance, March 31, 2015	$	1,353	$	3,994	$	115	$	353	$	192	$	6,007
	Ending balance individually evaluated	$	-	$	284	$	-	$	-	$	-	$	284
	for impairment
	Ending balance collectively evaluated	$	1,353	$	3,710	$	115	$	353	$	192	$	5,723
	for impairment
	(In thousands)	Residential Real Estate		Commercial Real Estate		Construction		Commercial		Consumer		Total
	Beginning balance, December 31, 2013	$	1,441	$	3,025	$	898	$	184	$	160	$	5,708
	Charge Offs		-75		-329		-		-		-11		-415
	Recoveries		-		-		-		-		14		14
	Provision for loan losses		-34		1,146		-667		-		-25		420
	Ending balance, March 31, 2014	$	1,332	$	3,842	$	231	$	184	$	138	$	5,727
	Ending balance individually evaluated	$	-	$	203	$	-	$	-	$	-	$	203
	for impairment
	Ending balance collectively evaluated	$	1,332	$	3,639	$	231	$	184	$	138	$	5,524
	for impairment

Fair_Value_Measurements_Tables

Fair Value Measurements (Tables)	3 Months Ended
	Mar. 31, 2015
Fair Value Measurements [Abstract]
Fair Value, Assets Measured on Recurring Basis [Table Text Block]
			Fair Value Measurement Using
			Reporting Date
	Description		Total			Level 1			Level 2			Level 3
			(In thousands)
	31-Mar-15
	Available for Sale:
	U.S. Government agencies		$	27,132		$	-		$	27,132		$	-
	States and political subdivisions			59,058			-			59,058			-
	Corporate obligations			6,531			-			6,531			-
	Mortgage-backed securities-government
	sponsored agencies			62,577			-			62,577			-
	Equity securities-financial services			376			376			-			-
	Total		$	155,674		$	376		$	155,298		$	-
	31-Dec-14
	Available for Sale:
	U.S. Government agencies		$	28,975		$	-		$	28,975		$	-
	States and political subdivisions			54,332			-			54,332			-
	Corporate obligations			6,486			-			6,486			-
	Mortgage-backed securities-government
	sponsored agencies			66,204			-			66,204			-
	Equity securities-financial services			398			398			-			-
	Total		$	156,395		$	398		$	155,997		$	-
Fair Value, Assets Measured on Nonrecurring Basis [Table Text Block]
						Fair Value Measurement Reporting Date using
	(In thousands)
	Description		Total			Level 1			Level 2			Level 3
	31-Mar-15
	Impaired Loans		$	11,124		$	-		$	-		$	11,124
	Foreclosed Real Estate Owned			1,698			-			-			1,698
	31-Dec-14
	Impaired Loans		$	11,312		$	-		$	-		$	11,312
	Foreclosed Real Estate Owned			3,726			-			-			3,726
Fair Value, Assets and Liabilities Measured on Nonrecurring Basis, Valuation Techniques [Table Text Block]
			Quantitative Information about Level 3 Fair Value Measurements
	(In thousands)	Fair Value Estimate			Valuation Techniques	Unobservable Input		Range (Weighted Average)
	31-Mar-15
	Impaired loans	$	10,682		Appraisal of collateral(1)	Appraisal adjustments(2)		10.00-32.50% (21.62%)
	Impaired loans	$	442		Present value of future cash flows	Loan discount rate		6.25-7.00% (6.71%)
	Foreclosed real estate owned	$	1,698		Appraisal of collateral(1)	Liquidation Expenses(2)		10%
		Quantitative Information about Level 3 Fair Value Measurements
	(In thousands)	Fair Value Estimate			Valuation Techniques	Unobservable Input		Range (Weighted Average)
	31-Dec-14
	Impaired loans	$	11,312		Appraisal of collateral(1)	Appraisal adjustments(2)		6-33% (23.35%)
	Foreclosed real estate owned	$	3,726		Appraisal of collateral(1)	Liquidation Expenses(2)		10%
		-1		Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various Level 3 inputs which are not identifiable, less any associated allowance.
		-2		Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses.  The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal.
Fair Value, by Balance Sheet Grouping [Table Text Block]
		Fair Value Measurements at March 31, 2015
		Carrying Amount			Fair Value			Level 1			Level 2			Level 3
	Financial assets:
	Cash and cash equivalents	$	19,627		$	19,627		$	19,627		$	-		$	-
	Securities		155,674			155,674			376			155,298			-
	Loans receivable, net		512,954			524,641			-			-			524,641
	Mortgage servicing rights		265			265			265			-			-
	Regulatory Stock		1,838			1,838			1,838			-			-
	Bank owned life insurance		18,417			18,417			18,417			-			-
	Accrued interest receivable		2,329			2,329			2,329			-			-
	Financial liabilities:
	Deposits		570,206			570,470			348,655			-			221,815
	Short-term borrowings		30,581			30,581			30,581			-			-
	Other borrowings		27,807			28,885			-			-			28,885
	Accrued interest payable		955			955			955			-			-
	Off-balance sheet financial instruments:
	Commitments to extend credit and		-			-			-			-			-
	outstanding letters of credit
		Fair Value Measurements at December 31, 2014
		Carrying Amount			Fair Value			Level 1			Level 2			Level 3
	Financial assets:
	Cash and cash equivalents	$	12,376		$	12,376		$	12,376		$	-		$	-
	Securities		156,395			156,395			398			155,997			-
	Loans receivable, net		495,260			507,833			-			-			507,833
	Mortgage servicing rights		271			277			-			277			-
	Regulatory stock		1,714			1,714			1,714			-			-
	Bank owned life insurance		18,284			18,284			18,284			-			-
	Accrued interest receivable		2,339			2,339			2,339			-			-
	Financial liabilities:
	Deposits		559,944			560,243			338,112			-			222,131
	Short-term borrowings		25,695			25,695			25,695			-			-
	Other borrowings		22,200			23,228			-			-			23,228
	Accrued interest payable		966			966			966			-			-
	Off-balance sheet financial instruments:
	Commitments to extend credit and		-			-			-			-			-
	outstanding letters of  credit

Earnings_Per_Share_Narrative_D

Earnings Per Share (Narrative) (Details) (USD $)	3 Months Ended
	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2014
Earnings Per Share [Abstract]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	49,700	20,700
Share Price	$27.69	$28.60	$29.05

Earnings_Per_Share_Basic_and_D

Earnings Per Share (Basic and Diluted Earnings Per Share) (Details)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Earnings Per Share [Abstract]
Basic EPS weighted average shares outstanding	3,680	3,643
Dilutive effect of stock options	6	10
Diluted EPS weighted average shares outstanding	3,686	3,653

Stock_Based_Compensation_Summa

Stock Based Compensation (Summary of Stock Option Activity) (Details) (USD $)	3 Months Ended	12 Months Ended
In Thousands, except Share data, unless otherwise specified	Mar. 31, 2015	Dec. 31, 2014	Mar. 31, 2014
Stock-Based Compensation [Abstract]
Options, Outstanding, beginning of period	206,463
Options, Granted	0
Options, Exercised	-5,978
Options, Forfeited	0
Options, Outstanding, end of period	200,485	206,463
Options, Exercisable, end of period	187,985
Weighted Average Exercise Price Per Share, Outstanding, beginning of period	$26.74
Weighted Average Exercise Price Per Share, Granted
Weighted Average Exercise Price Per Share, Exercised	$25.87
Weighted Average Exercise Price Per Share, Forfeited
Weighted Average Exercise Price Per Share, Outstanding, end of period	$26.76	$26.74
Weighted Average Exercise Price Per Share, Exercisable, end of period	$26.61
Weighted Average Remaining Contractual Term, Outstanding, beginning of period	5 years 6 months	5 years 8 months 12 days
Weighted Average Remaining Contractual Term, Exercised During Period	5 years 1 month 6 days
Weighted Average Remaining Contractual Term, Outstanding, end of period	5 years 6 months	5 years 8 months 12 days
Weighted Average Remaining Contractual Term, Exercisable at End of Period	5 years 2 months 12 days
Aggregate Intrinsic Value, Outstanding, beginning of period	$478
Aggregate Intrinsic Value, Granted in Period	0
Aggregate Intrinsic Value, Exercised in Period	0
Aggregate Intrinsic Value, Forfeited in Period	0
Aggregate Intrinsic Value, Outstanding, end of period	235	478
Aggregate Intrinsic Value, Exercisable at end of period	235
Unrecognized compensation cost related to non-vested options granted	$50
Share Price	$27.69	$29.05	$28.60

Stock_Based_Compensation_Restr

Stock Based Compensation (Restricted Stock Rollforward) (Details) (USD $)	3 Months Ended
In Thousands, except Share data, unless otherwise specified	Mar. 31, 2015
Stock-Based Compensation [Abstract]
Restricted stock outstanding, beginning balance	9,300
Restricted stock, granted	0
Restricted stock, vested	0
Restricted stock, forfeited	0
Restricted stock outstanding, ending balance	9,300
Restricted stock outstanding, weighted-average grant date fair value, beginning balance	$29.08
Restricted stock, granted, weighted-average grant date fair value
Restricted stock, vested, weighted-average grant date fair value
Restricted stock, forfeited, weighted-average grant date fair value
Restricted stock outstanding, weighted-average grant date fair value, ending balance	$29.08
Future compensation expense of non-vested restricted stock outstanding	$257

Accumulated_Other_Comprehensiv2

Accumulated Other Comprehensive Income (Components of Accumulated Other Comprehensive Income and Accumulated Other Comprehensive Income) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015		Mar. 31, 2014
Beginning balance	$462
Total other comprehensive income	449		1,602
Ending balance	911
Unrealized gains on available for sale securities [Member]
Beginning balance	462	[1]	-2,602	[1]
Other comprehensive income (loss) before reclassification	654	[1]	1,665	[1]
Amount reclassified from accumulated other comprehensive income	-205	[1]	-63	[1]
Total other comprehensive income	449	[1]	1,602	[1]
Ending balance	$911	[1]	($1,000)	[1]
[1]	All amounts are net of tax. Amounts in parentheses indicate debits.

Accumulated_Other_Comprehensiv3

Accumulated Other Comprehensive Income (Items Reclassified Out of Each Component of OCI) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015		Mar. 31, 2014
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net realized gains on sales of securities	$311		$95
Income tax expense	-738		-682
Net Income	2,041		1,964
Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Income tax expense	-106	[1]	-32	[1]
Net Income	205	[1]	63	[1]
Reclassification out of Accumulated Other Comprehensive Income [Member] | Unrealized gains on available for sale securities [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net realized gains on sales of securities	$311	[1]	$95	[1]
[1]	Amounts in parentheses indicate debits to net income

OffBalance_Sheet_Financial_Ins2

Off-Balance Sheet Financial Instruments and Guarantees (Table) (Details) (USD $)	Mar. 31, 2015	Mar. 31, 2014
In Thousands, unless otherwise specified
Loss Contingencies [Line Items]
Financial Instrument Commitments	$80,600	$76,788
Unfunded availability under loan commitments [Member]
Loss Contingencies [Line Items]
Financial Instrument Commitments	25,951	24,728
Unfunded commitments under lines of credit [Member]
Loss Contingencies [Line Items]
Financial Instrument Commitments	48,873	46,360
Standby letters of credit [Member]
Loss Contingencies [Line Items]
Financial Instrument Commitments	$5,776	$5,700

Securities_Amortized_Cost_and_

Securities (Amortized Cost and Fair Values of Securities) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Schedule of Investments [Line Items]
Available for Sale, Amortized Cost	$154,287	$155,685
Available-for-sale Securities, Gross Unrealized Gains	2,279	2,117
Available for Sale, Gross Unrealized Losses	-892	-1,407
Available for Sale, Fair Value	155,674	156,395
Total Debt Securities [Member]
Schedule of Investments [Line Items]
Available for Sale, Amortized Cost	153,995	155,393
Available-for-sale Securities, Gross Unrealized Gains	2,195	2,011
Available for Sale, Gross Unrealized Losses	-892	-1,407
Available for Sale, Fair Value	155,298	155,997
U.S. Government Agencies [Member]
Schedule of Investments [Line Items]
Available for Sale, Amortized Cost	27,100	29,289
Available-for-sale Securities, Gross Unrealized Gains	129	42
Available for Sale, Gross Unrealized Losses	-97	-356
Available for Sale, Fair Value	27,132	28,975
States and political subdivisions [Member]
Schedule of Investments [Line Items]
Available for Sale, Amortized Cost	57,831	52,685
Available-for-sale Securities, Gross Unrealized Gains	1,522	1,750
Available for Sale, Gross Unrealized Losses	-295	-103
Available for Sale, Fair Value	59,058	54,332
Corporate obligations [Member]
Schedule of Investments [Line Items]
Available for Sale, Amortized Cost	6,351	6,387
Available-for-sale Securities, Gross Unrealized Gains	180	110
Available for Sale, Gross Unrealized Losses	0	-11
Available for Sale, Fair Value	6,531	6,486
Mortgage-backed securities-government sponsored entities [Member]
Schedule of Investments [Line Items]
Available for Sale, Amortized Cost	62,713	67,032
Available-for-sale Securities, Gross Unrealized Gains	364	109
Available for Sale, Gross Unrealized Losses	-500	-937
Available for Sale, Fair Value	62,577	66,204
Equity securities-financial services [Member]
Schedule of Investments [Line Items]
Available for Sale, Amortized Cost	292	292
Available-for-sale Securities, Gross Unrealized Gains	84	106
Available for Sale, Gross Unrealized Losses	0	0
Available for Sale, Fair Value	$376	$398

Securities_Investments_Gross_U

Securities (Investments' Gross Unrealized Losses and Fair Value) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Dec. 31, 2014
	security
Schedule of Investments [Line Items]
Less than 12 Months, Fair Value	$28,191	$30,250
Less than 12 Months, Unrealized Losses	-368	-226
12 Months or More, Fair Value	31,617	46,878
12 Months or More, Unrealized Losses	-524	-1,181
Total, Fair Value	59,808	77,128
Total, Unrealized Losses	-892	-1,407
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions, Less than One Year	33
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions, Greater than or Equal to One Year	33
Impairment of Investments	0
U.S. Government Agencies [Member]
Schedule of Investments [Line Items]
Less than 12 Months, Fair Value	3,010	4,965
Less than 12 Months, Unrealized Losses	-12	-17
12 Months or More, Fair Value	9,111	15,051
12 Months or More, Unrealized Losses	-85	-339
Total, Fair Value	12,121	20,016
Total, Unrealized Losses	-97	-356
States and political subdivisions [Member]
Schedule of Investments [Line Items]
Less than 12 Months, Fair Value	12,141	3,195
Less than 12 Months, Unrealized Losses	-238	-20
12 Months or More, Fair Value	2,477	4,633
12 Months or More, Unrealized Losses	-57	-83
Total, Fair Value	14,618	7,828
Total, Unrealized Losses	-295	-103
Corporate obligations [Member]
Schedule of Investments [Line Items]
Less than 12 Months, Fair Value		0
Less than 12 Months, Unrealized Losses		0
12 Months or More, Fair Value		1,144
12 Months or More, Unrealized Losses		-11
Total, Fair Value		1,144
Total, Unrealized Losses		-11
Mortgage-backed securities-government sponsored entities [Member]
Schedule of Investments [Line Items]
Less than 12 Months, Fair Value	13,040	22,090
Less than 12 Months, Unrealized Losses	-118	-189
12 Months or More, Fair Value	20,029	26,050
12 Months or More, Unrealized Losses	-382	-748
Total, Fair Value	33,069	48,140
Total, Unrealized Losses	($500)	($937)

Securities_Securities_by_Contr

Securities (Securities by Contractual Maturity) (Details) (USD $)	Mar. 31, 2015
In Thousands, unless otherwise specified
Securities [Abstract]
Available for Sale, Amortized Cost, Due in one year or less	$1,250
Available for Sale, Amortized Cost, Due after one year through five years	25,192
Available for Sale, Amortized Cost, Due after five years through ten years	17,737
Available for Sale, Amortized Cost, Due after ten years	47,103
Available for Sale, Amortized Cost, Mortgage-backed securities- government sponsored agencies	62,713
Available for Sale, Amortized Cost, Total	153,995
Available for Sale, Fair Value, Due in one year or less	1,265
Available for Sale, Fair Value, Due after one year through five years	25,391
Available for Sale, Fair Value, Due after five years through ten years	17,827
Available for Sale, Fair Value, Due after ten years	48,238
Available for Sale, Fair Value, Mortgage-backed securities- government sponsored agencies	62,577
Available for Sale, Fair Value, Total	$155,298

Securities_Gross_Realized_Gain

Securities (Gross Realized Gains and Losses on Sales of Securities Available-for-Sale) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Securities [Abstract]
Gross realized gains	$311	$95
Gross realized losses	0	0
Net realized gain	311	95
Proceeds from sale of securities	$13,976	$12,080

Loans_Receivable_and_Allowance3

Loans Receivable and Allowance for Loan Losses (Composition of Loans Receivable) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross	$519,349	$501,534
Deferred fees (net)	-388	-399
Total loans receivable	518,961	501,135
Allowance for loan losses	-6,007	-5,875	-5,727	-5,708
Net loans receivable	512,954	495,260
Percent of Loans	100.00%	100.00%
Residential Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross	157,707	158,139
Allowance for loan losses	-1,353	-1,323	-1,332	-1,441
Percent of Loans	30.40%	31.50%
Commercial Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross	265,635	261,956
Allowance for loan losses	-3,994	-3,890	-3,842	-3,025
Percent of Loans	51.10%	52.20%
Construction Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross	20,180	19,221
Allowance for loan losses	-115	-222	-231	-898
Percent of Loans	3.90%	3.90%
Commercial, financial and agricultural [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross	55,353	42,514
Allowance for loan losses	-353	-256	-184	-184
Percent of Loans	10.70%	8.50%
Consumer loans to individuals [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross	20,474	19,704
Allowance for loan losses	($192)	($184)	($138)	($160)
Percent of Loans	3.90%	3.90%

Loans_Receivable_and_Allowance4

Loans Receivable and Allowance for Loan Losses (Changes in the Accretable Yield for Purchased Credit Impaired Loans) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Loans Receivable and Allowance for Loan Losses [Abstract]
Balance at beginning of period	$8	$20
Accretion	0	-7
Reclassification and other	0	0
Balance at end of period	$8	$13

Loans_Receivable_and_Allowance5

Loans Receivable and Allowance for Loan Losses (Loans Acquired and Accounted for in Accordance with ASC 310-30) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Loans Receivable and Allowance for Loan Losses [Abstract]
Acquired Loans with Specific Evidence of Deterioration in Credit Quality, Outstanding Balance	$1,045	$1,057
Acquired Loans with Specific Evidence of Deterioration in Credit Quality, Carrying Amount	$1,038	$1,049

Loans_Receivable_and_Allowance6

Loans Receivable and Allowance for Loan Losses (Loans Individually and Collectively Evaluated for Impairment) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	$10,370	$10,556
Loans acquired with deteriorated credit quality	1,038	1,049
Collectively evaluated for impairment	507,941	489,929
Total Loans	519,349	501,534
Residential Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	0	0
Loans acquired with deteriorated credit quality	221	225
Collectively evaluated for impairment	157,486	157,914
Total Loans	157,707	158,139
Commercial Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	10,370	10,556
Loans acquired with deteriorated credit quality	817	824
Collectively evaluated for impairment	254,448	250,576
Total Loans	265,635	261,956
Construction Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	0	0
Loans acquired with deteriorated credit quality	0	0
Collectively evaluated for impairment	20,180	19,221
Total Loans	20,180	19,221
Commercial, financial and agricultural [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	0	0
Loans acquired with deteriorated credit quality	0	0
Collectively evaluated for impairment	55,353	42,514
Total Loans	55,353	42,514
Consumer loans to individuals [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	0	0
Loans acquired with deteriorated credit quality	0	0
Collectively evaluated for impairment	20,474	19,704
Total Loans	$20,474	$19,704

Loans_Receivable_and_Allowance7

Loans Receivable and Allowance for Loan Losses (Impaired Loans and Related Interest Income by Loan Portfolio Class) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2014
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, Related Allowance	$284		$293
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	10,752		8,632
Impaired Financing Receivable, with Related Allowance, Recorded Investment	656		2,973
Impaired Financing Receivable, Recorded Investment	11,408		11,605
Unpaid Principal Balance, With no related allowance recorded	11,291		8,799
Unpaid Principal Balance, With an allowance recorded	1,520		3,837
Unpaid Principal Balance, Total	12,811		12,636
Associated Allowance	284		293
Average Recorded Investment, Total	11,433	11,994
Interest Income Recognized, Total	397	58
Residential Real Estate Loans [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, Related Allowance	0		0
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	221		225
Impaired Financing Receivable, Recorded Investment	221		225
Unpaid Principal Balance, With no related allowance recorded	228		233
Unpaid Principal Balance, Total	228		233
Associated Allowance	0		0
Average Recorded Investment, Total	223	240
Interest Income Recognized, Total	1	1
Commercial Real Estate Loans [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, Related Allowance	284		293
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	10,531		8,407
Impaired Financing Receivable, with Related Allowance, Recorded Investment	656		2,973
Impaired Financing Receivable, Recorded Investment	11,187		11,380
Unpaid Principal Balance, With no related allowance recorded	11,063		8,566
Unpaid Principal Balance, With an allowance recorded	1,520		3,837
Unpaid Principal Balance, Total	12,583		12,403
Associated Allowance	284		293
Average Recorded Investment, Total	11,210	11,754
Interest Income Recognized, Total	$396	$57

Loans_Receivable_and_Allowance8

Loans Receivable and Allowance for Loan Losses (Troubled Debt Restructurings) (Details) (USD $)	3 Months Ended
	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2014
Troubled Debt Restructuring, Debtor, Subsequent Periods [Line Items]
Impaired Financing Receivable, Related Allowance	$284,000		$293,000
Financing Receivable, Allowance for Credit Losses, Write-downs	495,000	415,000
Troubled Debt Restructured Loans [Member]
Troubled Debt Restructuring, Debtor, Subsequent Periods [Line Items]
Financing Receivable, Modifications, Subsequent Default, Number of Contracts	2	0
Financing Receivable, Modifications, Subsequent Default, Recorded Investment	2,400,000
New Loans Identified as Troubled Debt Restructurings, Number of Loans	0	0
Financing Receivables, Impaired, Troubled Debt Restructuring, Write-down	373,000
Financing Receivable, Modifications, Recorded Investment	8,600,000		8,800,000
Impaired Financing Receivable, Related Allowance	$33,000		$293,000

Loans_Receivable_and_Allowance9

Loans Receivable and Allowance for Loan Losses (Classes of the Loan Portfolio Summarized by the Aggregate Risk Rating) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Pass [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Net	$305,889	$289,143
Special Mention [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Net	1,957	1,983
Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Net	13,142	13,344
Doubtful and Loss [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Net	0	0
Performing Financing Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Net	196,900	195,385
Nonperforming Financing Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Net	1,461	1,679
Total Summarized by Aggregate Risk Rating [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Net	320,988	304,470
Total Summarized by Performance of Individual Credits [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Net	198,361	197,064
Commercial Real Estate Loans [Member] | Pass [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Net	250,536	246,629
Commercial Real Estate Loans [Member] | Special Mention [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Net	1,957	1,983
Commercial Real Estate Loans [Member] | Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Net	13,142	13,344
Commercial Real Estate Loans [Member] | Doubtful and Loss [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Net	0	0
Commercial Real Estate Loans [Member] | Total Summarized by Aggregate Risk Rating [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Net	265,635	261,956
Commercial, financial and agricultural [Member] | Pass [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Net	55,353	42,514
Commercial, financial and agricultural [Member] | Special Mention [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Net	0	0
Commercial, financial and agricultural [Member] | Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Net	0	0
Commercial, financial and agricultural [Member] | Doubtful and Loss [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Net	0	0
Commercial, financial and agricultural [Member] | Total Summarized by Aggregate Risk Rating [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Net	55,353	42,514
Residential Real Estate Loans [Member] | Performing Financing Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Net	156,248	156,464
Residential Real Estate Loans [Member] | Nonperforming Financing Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Net	1,459	1,675
Residential Real Estate Loans [Member] | Total Summarized by Performance of Individual Credits [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Net	157,707	158,139
Construction Real Estate Loans [Member] | Performing Financing Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Net	20,180	19,221
Construction Real Estate Loans [Member] | Nonperforming Financing Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Net	0	0
Construction Real Estate Loans [Member] | Total Summarized by Performance of Individual Credits [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Net	20,180	19,221
Consumer loans to individuals [Member] | Performing Financing Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Net	20,472	19,700
Consumer loans to individuals [Member] | Nonperforming Financing Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Net	2	4
Consumer loans to individuals [Member] | Total Summarized by Performance of Individual Credits [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Net	$20,474	$19,704

Recovered_Sheet1

Loans Receivable and Allowance for Loan Losses (Loan Portfolio Summarized by the Past Due Status) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	$513,194	$490,064
31-60 Days Past Due	405	5,430
61-90 Days Past Due	12	440
Greater than 90 Days Past Due and still accruing	0	0
Non-Accrual	5,738	5,600
Total Past Due and Non-Accrual	6,155	11,470
Total Loans	519,349	501,534
Residential Real Estate Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	156,071	156,242
31-60 Days Past Due	177	222
61-90 Days Past Due	0	0
Greater than 90 Days Past Due and still accruing	0	0
Non-Accrual	1,459	1,675
Total Past Due and Non-Accrual	1,636	1,897
Total Loans	157,707	158,139
Commercial Real Estate Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	261,211	252,495
31-60 Days Past Due	147	5,100
61-90 Days Past Due	0	440
Greater than 90 Days Past Due and still accruing	0	0
Non-Accrual	4,277	3,921
Total Past Due and Non-Accrual	4,424	9,461
Total Loans	265,635	261,956
Construction Real Estate Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	20,180	19,221
31-60 Days Past Due	0	0
61-90 Days Past Due	0	0
Greater than 90 Days Past Due and still accruing	0	0
Non-Accrual	0	0
Total Past Due and Non-Accrual	0	0
Total Loans	20,180	19,221
Commercial, financial and agricultural [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	55,329	42,500
31-60 Days Past Due	24	14
61-90 Days Past Due	0	0
Greater than 90 Days Past Due and still accruing	0	0
Non-Accrual	0	0
Total Past Due and Non-Accrual	24	14
Total Loans	55,353	42,514
Consumer loans to individuals [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	20,403	19,606
31-60 Days Past Due	57	94
61-90 Days Past Due	12	0
Greater than 90 Days Past Due and still accruing	0	0
Non-Accrual	2	4
Total Past Due and Non-Accrual	71	98
Total Loans	$20,474	$19,704

Recovered_Sheet2

Loans Receivable and Allowance for Loan Losses (Allowance for Loan Losses and Recorded Investment in Financing Receivables) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance,	$5,875	$5,708
Charge Offs	-495	-415
Recoveries	7	14
Provision for loan losses	620	420
Ending balance,	6,007	5,727
Ending balance individually evaluated for impairment	284	203
Ending balance collectively evaluated for impairment	5,723	5,524
Residential Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance,	1,323	1,441
Charge Offs	-87	-75
Recoveries	2	0
Provision for loan losses	115	-34
Ending balance,	1,353	1,332
Ending balance individually evaluated for impairment	0	0
Ending balance collectively evaluated for impairment	1,353	1,332
Commercial Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance,	3,890	3,025
Charge Offs	-393	-329
Recoveries	0	0
Provision for loan losses	497	1,146
Ending balance,	3,994	3,842
Ending balance individually evaluated for impairment	284	203
Ending balance collectively evaluated for impairment	3,710	3,639
Construction Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance,	222	898
Charge Offs	0	0
Recoveries	0	0
Provision for loan losses	-107	-667
Ending balance,	115	231
Ending balance individually evaluated for impairment	0	0
Ending balance collectively evaluated for impairment	115	231
Commercial, financial and agricultural [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance,	256	184
Charge Offs	0	0
Recoveries	0	0
Provision for loan losses	97	0
Ending balance,	353	184
Ending balance individually evaluated for impairment	0	0
Ending balance collectively evaluated for impairment	353	184
Consumer loans to individuals [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance,	184	160
Charge Offs	-15	-11
Recoveries	5	14
Provision for loan losses	18	-25
Ending balance,	192	138
Ending balance individually evaluated for impairment	0	0
Ending balance collectively evaluated for impairment	$192	$138

Recovered_Sheet3

Loans Receivable and Allowance for Loan Losses (Narrative) (Details) (USD $)	3 Months Ended
	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Real Estate Acquired Through Foreclosure	$1,698,000		$3,726,000
Certain Loans Acquired in Transfer Accounted for as Debt Securities, Accretable Yield, Period Increase (Decrease)	0
Loans and Leases Receivable, Gross	519,349,000		501,534,000
Financing Receivable, Allowance for Credit Losses, Write-downs	495,000	415,000
Gross Realized Losses on Loans	0
Proceeds from Sale of Mortgage Loans Held-for-sale	804,000	1,151,000
Hospitality Lodging Industry [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross	34,100,000
Hospitality Lodging Industry [Member] | Loans Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Concentration Risk, Percentage	37.50%
Property Owners' Associations [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross	13,200,000
Property Owners' Associations [Member] | Loans Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Concentration Risk, Percentage	14.50%
Automobile Dealers [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross	15,100,000
Automobile Dealers [Member] | Loans Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Concentration Risk, Percentage	16.60%
Resorts [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Gross	9,600,000
Resorts [Member] | Loans Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Concentration Risk, Percentage	10.60%
Troubled Debt Restructured Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivables, Impaired, Troubled Debt Restructuring, Write-down	373,000
Residential Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Real Estate Acquired Through Foreclosure	225,000
Mortgage Loans in Process of Foreclosure, Amount	1,055,000
Loans and Leases Receivable, Gross	157,707,000		158,139,000
Financing Receivable, Allowance for Credit Losses, Write-downs	87,000	75,000
Gross Realized Gains on Loans	24,000	42,000
Gross Realized Losses on Loans	0	0
Proceeds from Sale of Mortgage Loans Held-for-sale	$804,000	$1,200,000

Fair_Value_Measurements_Fair_V

Fair Value Measurements (Fair Value, Assets and Liabilities Measured on Recurring Basis) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	$155,674	$156,395
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	376	398
Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	155,298	155,997
Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	0	0
U.S. Government Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	27,132	28,975
U.S. Government Agencies [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	0	0
U.S. Government Agencies [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	27,132	28,975
U.S. Government Agencies [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	0	0
States and political subdivisions [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	59,058	54,332
States and political subdivisions [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	0	0
States and political subdivisions [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	59,058	54,332
States and political subdivisions [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	0	0
Corporate obligations [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	6,531	6,486
Corporate obligations [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	0	0
Corporate obligations [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	6,531	6,486
Corporate obligations [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	0	0
Mortgage-backed securities-government sponsored entities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	62,577	66,204
Mortgage-backed securities-government sponsored entities [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	0	0
Mortgage-backed securities-government sponsored entities [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	62,577	66,204
Mortgage-backed securities-government sponsored entities [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	0	0
Equity securities-financial services [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	376	398
Equity securities-financial services [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	376	398
Equity securities-financial services [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	0	0
Equity securities-financial services [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities	$0	$0

Fair_Value_Measurements_Fair_V1

Fair Value Measurements (Fair Value, Assets and Liabilities Measured on Nonrecurring Basis) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring	$11,124	$11,312
Impaired Loans [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring	0	0
Impaired Loans [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring	0	0
Impaired Loans [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring	11,124	11,312
Foreclosed Real Estate Owned [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring	1,698	3,726
Foreclosed Real Estate Owned [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring	0	0
Foreclosed Real Estate Owned [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring	0	0
Foreclosed Real Estate Owned [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring	$1,698	$3,726

Fair_Value_Measurements_and_Fa

Fair Value Measurements and Fair Value of Financial Instruments (Additional Qualitative Information about Level 3 Assets) (Details) (USD $)	3 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015		Dec. 31, 2014
	loan		loan
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired Financing Receivable, Recorded Investment	$11,408		$11,605
Number of impaired loans requiring a valuation allowance	2		3
Impaired Financing Receivable, with Related Allowance, Recorded Investment	656		2,973
Impaired Financing Receivable, Related Allowance	284		293
Number of impaired loans not requiring a valuation allowance	15		14
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	10,752		8,632
Impaired Loans, Cumulative Charge-Offs	1,395		1,022
Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring	11,124		11,312
Impaired Loans [Member] | Appraisal of collateral [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring	10,682		11,312
Fair Value Measurements, Valuation Techniques	Appraisal of collateral(1)	[1]	Appraisal of collateral(1)	[1]
Fair Value Disclosure, Unobservable Input Range	Appraisal adjustments(2)	[2]	Appraisal adjustments(2)	[2]
Impaired Loans [Member] | Present value of future cash flows [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring	442
Fair Value Measurements, Valuation Techniques	Present value of future cash flows	[1]
Fair Value Disclosure, Unobservable Input Range	Loan discount rate	[2]
Impaired Loans [Member] | Minimum [Member] | Appraisal of collateral [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value Inputs, Discount Rate	10.00%		6.00%
Impaired Loans [Member] | Minimum [Member] | Present value of future cash flows [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value Inputs, Discount Rate	6.25%
Impaired Loans [Member] | Maximum [Member] | Appraisal of collateral [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value Inputs, Discount Rate	32.50%		33.00%
Impaired Loans [Member] | Maximum [Member] | Present value of future cash flows [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value Inputs, Discount Rate	7.00%
Impaired Loans [Member] | Weighted Average [Member] | Appraisal of collateral [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value Inputs, Discount Rate	21.62%		23.35%
Impaired Loans [Member] | Weighted Average [Member] | Present value of future cash flows [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value Inputs, Discount Rate	6.71%
Foreclosed Real Estate Owned [Member] | Appraisal of collateral [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure, Nonrecurring	$1,698		$3,726
Fair Value Measurements, Valuation Techniques	Appraisal of collateral(1)	[1]	Appraisal of collateral(1)	[1]
Fair Value Disclosure, Unobservable Input Range	Liquidation Expenses(2)	[2]	Liquidation Expenses(2)	[2]
Foreclosed Real Estate Owned [Member] | Weighted Average [Member] | Appraisal of collateral [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value Inputs, Discount Rate	10.00%		10.00%
[1]	Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various Level 3 inputs which are not identifiable, less any associated allowance.
[2]	Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal.

Fair_Value_Measurements_Fair_V2

Fair Value Measurements (Fair Value, by Balance Sheet Grouping) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets: Cash and due from banks, interest-bearing deposits with banks and federal funds sold, Fair Value Disclosure	$19,627	$12,376
Financial assets: Securities, Fair Value Disclosure	155,674	156,395
Financial assets: Loans receivable, net, Fair Value Disclosure	524,641	507,833
Financial assets: Mortgage servicing rights, Fair Value Disclosure	265	277
Financial assets: Regulatory stock, Fair Value Disclosure	1,838	1,714
Financial assets: Bank owned life insurance, Fair Value Disclosure	18,417	18,284
Financial assets: Accrued interest receivable, Fair Value Disclosure	2,329	2,339
Financial liabilities: Deposits, Fair Value Disclosure	570,470	560,243
Financial liabilities: Short-term borrowings, Fair Value Disclosure	30,581	25,695
Financial liabilities: Other borrowings, Fair Value Disclosure	28,885	23,228
Financial liabilities: Accrued interest payable, Fair Value Disclosure	955	966
Off-balance sheet financial instruments: Commitments to extend credit and outstanding letters of credit, Fair Value Disclosure	0	0
Financial assets: Cash and due from banks, interest-bearing deposits with banks and federal funds sold	19,627	12,376	8,749	7,863
Financial assets: Securities	155,674	156,395
Financial assets: Loans receivable, net	512,954	495,260
Financial assets: Mortgage servicing rights	265	271
Financial assets: Investment in FHLB stock	1,838	1,714
Financial assets: Bank owned life insurance	18,417	18,284
Financial assets: Accrued interest receivable	2,329	2,339
Financial liabilities: Deposits	570,206	559,944
Financial liabilities: Short-term borrowings	30,581	25,695
Financial liabilities: Other borrowings	27,807	22,200
Financial liabilities: Accrued interest payable	955	966
Off-balance sheet financial instruments: Commitments to extend credit and outstanding letters of credit	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets: Cash and due from banks, interest-bearing deposits with banks and federal funds sold, Fair Value Disclosure	19,627	12,376
Financial assets: Securities, Fair Value Disclosure	376	398
Financial assets: Loans receivable, net, Fair Value Disclosure	0	0
Financial assets: Mortgage servicing rights, Fair Value Disclosure	265	0
Financial assets: Regulatory stock, Fair Value Disclosure	1,838	1,714
Financial assets: Bank owned life insurance, Fair Value Disclosure	18,417	18,284
Financial assets: Accrued interest receivable, Fair Value Disclosure	2,329	2,339
Financial liabilities: Deposits, Fair Value Disclosure	348,655	338,112
Financial liabilities: Short-term borrowings, Fair Value Disclosure	30,581	25,695
Financial liabilities: Other borrowings, Fair Value Disclosure	0	0
Financial liabilities: Accrued interest payable, Fair Value Disclosure	955	966
Off-balance sheet financial instruments: Commitments to extend credit and outstanding letters of credit, Fair Value Disclosure	0	0
Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets: Cash and due from banks, interest-bearing deposits with banks and federal funds sold, Fair Value Disclosure	0	0
Financial assets: Securities, Fair Value Disclosure	155,298	155,997
Financial assets: Loans receivable, net, Fair Value Disclosure	0	0
Financial assets: Mortgage servicing rights, Fair Value Disclosure	0	277
Financial assets: Regulatory stock, Fair Value Disclosure	0	0
Financial assets: Bank owned life insurance, Fair Value Disclosure	0	0
Financial assets: Accrued interest receivable, Fair Value Disclosure	0	0
Financial liabilities: Deposits, Fair Value Disclosure	0	0
Financial liabilities: Short-term borrowings, Fair Value Disclosure	0	0
Financial liabilities: Other borrowings, Fair Value Disclosure	0	0
Financial liabilities: Accrued interest payable, Fair Value Disclosure	0	0
Off-balance sheet financial instruments: Commitments to extend credit and outstanding letters of credit, Fair Value Disclosure	0	0
Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial assets: Cash and due from banks, interest-bearing deposits with banks and federal funds sold, Fair Value Disclosure	0	0
Financial assets: Securities, Fair Value Disclosure	0	0
Financial assets: Loans receivable, net, Fair Value Disclosure	524,641	507,833
Financial assets: Mortgage servicing rights, Fair Value Disclosure	0	0
Financial assets: Regulatory stock, Fair Value Disclosure	0	0
Financial assets: Bank owned life insurance, Fair Value Disclosure	0	0
Financial assets: Accrued interest receivable, Fair Value Disclosure	0	0
Financial liabilities: Deposits, Fair Value Disclosure	221,815	222,131
Financial liabilities: Short-term borrowings, Fair Value Disclosure	0	0
Financial liabilities: Other borrowings, Fair Value Disclosure	28,885	23,228
Financial liabilities: Accrued interest payable, Fair Value Disclosure	0	0
Off-balance sheet financial instruments: Commitments to extend credit and outstanding letters of credit, Fair Value Disclosure	$0	$0