FNCB Bancorp (FNCB) 10-Q 10 Nov 14 2014 Q3 Quarterly report Financial data

Document_And_Entity_Informatio

Document And Entity Information	9 Months Ended
	Sep. 30, 2014	Nov. 10, 2014
Document Information [Line Items]	'	'
Entity Registrant Name	'FIRST NATIONAL COMMUNITY BANCORP INC	'
Entity Central Index Key	'0001035976	'
Current Fiscal Year End Date	'--12-31	'
Entity Filer Category	'Non-accelerated Filer	'
Entity Common Stock, Shares Outstanding	'	16,471,569
Trading Symbol	'FNCB	'
Document Type	'10-Q	'
Amendment Flag	'false	'
Document Period End Date	30-Sep-14	'
Document Fiscal Period Focus	'Q3	'
Document Fiscal Year Focus	'2014	'

CONSOLIDATED_STATEMENTS_OF_FIN

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Cash and cash equivalents:	'	'
Cash and due from banks	$21,532	$19,295
Interest-bearing deposits in other banks	18,461	84,261
Total cash and cash equivalents	39,993	103,556
Securities available for sale, at fair value	217,412	203,867
Securities held to maturity, at amortized cost (fair value $0 and $2,424)	0	2,308
Stock in Federal Home Loan Bank of Pittsburgh, at cost	4,356	2,146
Loans held for sale	171	820
Loans, net of allowance for loan and lease losses of $11,898 and $14,017	666,262	629,880
Bank premises and equipment, net	11,094	15,363
Accrued interest receivable	2,158	2,191
Intangible assets	344	467
Bank-owned life insurance	28,663	28,167
Other real estate owned	2,617	4,246
Other assets	9,063	10,797
Total assets	982,133	1,003,808
Deposits:	'	'
Demand (non-interest-bearing)	148,430	157,550
Interest-bearing	654,766	727,148
Total deposits	803,196	884,698
Borrowed funds	'	'
Federal Home Loan Bank of Pittsburgh advances	68,786	27,123
Subordinated debentures	25,000	25,000
Junior subordinated debentures	10,310	10,310
Total borrowed funds	104,096	62,433
Accrued interest payable	10,515	8,732
Other liabilities	14,005	14,367
Total liabilities	931,812	970,230
Shareholders' equity	'	'
Preferred shares ($1.25 par) Authorized: 20,000,000 shares at September 30, 2014 and December 31, 2013 Issued and outstanding: 0 shares at September 30, 2014 and December 31, 2013	0	0
Common shares ($1.25 par) Authorized: 50,000,000 shares at September 30, 2014 and December 31, 2013 Issued and outstanding: 16,471,569 shares at September 30, 2014 and December 31, 2013	20,589	20,589
Additional paid-in capital	61,692	61,627
Accumulated deficit	-32,095	-45,546
Accumulated other comprehensive income (loss)	135	-3,092
Total shareholders' equity	50,321	33,578
Total liabilities and shareholders' equity	$982,133	$1,003,808

CONSOLIDATED_STATEMENTS_OF_FIN1

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION [Parenthetical] (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, except Share data, unless otherwise specified
Securities held-to-maturity at amortized cost, fair value (in dollars)	$0	$2,424
Loans, allowance for loan and lease losses (in dollars)	$11,898	$14,017
Preferred stock, par value (in dollars per share)	$1.25	$1.25
Preferred stock, shares authorized	20,000,000	20,000,000
Preferred stock, shares issued	0	0
Preferred stock, shares outstanding	0	0
Common stock, par value (in dollars per share)	$1.25	$1.25
Common stock, shares authorized	50,000,000	50,000,000
Common stock, shares issued	16,471,569	16,471,569
Common Stock, shares outstanding	16,471,569	16,471,569

CONSOLIDATED_STATEMENTS_OF_OPE

CONSOLIDATED STATEMENTS OF OPERATIONS (USD $)	3 Months Ended		9 Months Ended
In Thousands, except Share data, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Interest income	'	'	'	'
Interest and fees on loans	$6,852	$6,833	$19,958	$20,158
Interest and dividends on securities	'	'	'	'
U.S. government agencies	893	429	2,496	1,331
State and political subdivisions, tax-free	409	761	1,679	2,592
State and political subdivisions, taxable	76	98	271	295
Other securities	74	51	206	120
Total interest and dividends on securities	1,452	1,339	4,652	4,338
Interest on interest-bearing deposits and federal funds sold	8	17	44	70
Total interest income	8,312	8,189	24,654	24,566
Interest expense	'	'	'	'
Interest on deposits	751	1,037	2,435	3,225
Interest on borrowed funds	'	'	'	'
Interest on Federal Home Loan Bank of Pittsburgh advances	125	149	334	403
Interest on subordinated debentures	575	575	1,706	1,706
Interest on junior subordinated debentures	50	51	149	153
Total interest on borrowed funds	750	775	2,189	2,262
Total interest expense	1,501	1,812	4,624	5,487
Net interest income before credit for loan and lease losses	6,811	6,377	20,030	19,079
Credit for loan and lease losses	-54	-1,159	-5,629	-2,385
Net interest income after credit for loan and lease losses	6,865	7,536	25,659	21,464
Non-interest income	'	'	'	'
Deposit service charges	781	758	2,217	2,159
Net gain on the sale of securities	2,958	817	6,006	2,558
Net gain on the sale of mortgage loans held for sale	57	81	223	241
Net loss on the sale of education loans	0	0	-13	0
Net gain on the sale of other real estate owned	35	5	103	94
Gain on branch divestitures	0	0	607	0
Loan-related fees	101	87	292	284
Income from bank-owned life insurance	165	176	496	531
Legal settlements	0	0	2,127	288
Other	345	491	799	1,000
Total non-interest income	4,442	2,415	12,857	7,155
Non-interest expense	'	'	'	'
Salaries and employee benefits	3,316	3,223	9,809	9,786
Occupancy expense	438	529	1,554	1,663
Equipment expense	355	369	1,068	1,125
Advertising expense	109	146	353	402
Data processing expense	508	499	1,556	1,567
Regulatory assessments	266	603	1,389	1,863
Bank shares tax	21	241	372	723
Expense of other real estate owned	514	318	2,495	768
Provision (credit) for off-balance sheet commitments	3	-56	-201	-232
Legal expense	268	657	1,428	1,838
Professional fees	306	351	1,240	1,228
Insurance expenses	196	279	757	898
Loan collection expense	35	58	72	305
Other operating expenses	1,448	847	2,847	2,347
Total non-interest expense	7,783	8,064	24,739	24,281
Income before income taxes	3,524	1,887	13,777	4,338
Provision for income taxes	166	0	326	0
Net income	$3,358	$1,887	$13,451	$4,338
Earnings per share	'	'	'	'
Basic (in dollars per share)	$0.20	$0.11	$0.82	$0.26
Diluted (in dollars per share)	$0.20	$0.11	$0.82	$0.26
Cash dividends declared per common share	$0	$0	$0	$0
WEIGHTED AVERAGE NUMBER OF SHARES OUTSTANDING:	'	'	'	'
Basic (in shares)	16,471,569	16,457,169	16,471,569	16,457,169
Diluted (in shares)	16,471,569	16,457,169	16,471,851	16,457,169

CONSOLIDATED_STATEMENTS_OF_COM

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Net income	$3,358	$1,887	$13,451	$4,338
Other comprehensive (loss) income:	'	'	'	'
Unrealized (losses) gains on securities available for sale	-482	-132	10,528	-10,270
Taxes	163	45	-3,580	3,492
Net of tax amount	-319	-87	6,948	-6,778
Reclassification adjustment for gains included in net income	-2,958	-817	-5,638	-2,558
Taxes	1,006	278	1,917	870
Net of tax amount	-1,952	-539	-3,721	-1,688
Total other comprehensive (loss) income	-2,271	-626	3,227	-8,466
Total comprehensive income (loss)	$1,087	$1,261	$16,678	($4,128)

CONSOLIDATED_STATEMENTS_OF_CHA

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (USD $)	Total	Common Stock	Additional Paid-in Capital	Accumulated Deficit	Accumulated Comprehensive Income (Loss)
In Thousands, except Share data
Balances at Dec. 31, 2012	$36,925	$20,571	$61,584	($51,928)	$6,698
Balances (in shares) at Dec. 31, 2012	'	16,457,169	'	'	'
Net income for the period	4,338	0	0	4,338	0
Other comprehensive income (loss), net of tax	-8,466	0	0	0	-8,466
Balances at Sep. 30, 2013	32,797	20,571	61,584	-47,590	-1,768
Balances (in shares) at Sep. 30, 2013	'	16,457,169	'	'	'
Balances at Dec. 31, 2013	33,578	20,589	61,627	-45,546	-3,092
Balances (in shares) at Dec. 31, 2013	'	16,471,569	'	'	'
Net income for the period	13,451	0	0	13,451	0
Restricted stock awards	65	0	65	0	0
Other comprehensive income (loss), net of tax	3,227	0	0	0	3,227
Balances at Sep. 30, 2014	$50,321	$20,589	$61,692	($32,095)	$135
Balances (in shares) at Sep. 30, 2014	'	16,471,569	'	'	'

CONSOLIDATED_STATEMENTS_OF_CHA1

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY [Parenthetical] (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY	'	'
Other comprehensive income (loss), net of tax	$1,663	$4,362

CONSOLIDATED_STATEMENTS_OF_CAS

CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013
Operating activities:	'	'
Net income	$13,451	$4,338
Adjustments to reconcile net income to net cash provided by operating activities:	'	'
Investment securities amortization (accretion), net	953	240
Equity in trust	-4	-5
Depreciation and amortization	1,068	924
Stock-based compensation	65	0
Credit for loan and lease losses	-5,629	-2,385
Credit for off balance sheet commitments	-201	-232
Gain on the sale of available-for-sale securities	-5,638	-2,558
Gain on the sale of held-to-maturity securities	-368	0
Gain on the sale of loans held for sale	-223	-241
Loss on the sale of education loans	13	0
Gain on branch divestitures	-607	0
Loss on abandonment of fixed assets	352	0
Gain on the sale of other real estate owned	-103	-94
Valuation adjustment of other real estate owned	2,199	257
Income from bank-owned life insurance	-496	-531
Proceeds from the sale of loans held for sale	6,806	9,238
Funds used to originate loans held for sale	-5,934	-8,266
Decrease (increase) in accrued interest receivable	33	-121
Decrease in refundable federal income taxes	0	11,582
(Increase) decrease in other assets	-64	4,418
Increase in accrued interest payable	1,783	1,807
Increase (decrease) in other liabilities	-333	-1,562
Total adjustments	-6,328	12,471
Net cash provided by operating activities	7,123	16,809
Cash flows from investing activities:	'	'
Maturities, calls and principal payments of available-for-sale securities	5,965	12,086
Proceeds from the sale of available-for-sale securities	78,582	51,066
Proceeds from the sale of held-to-maturity securities	2,686	0
Purchases of available-for-sale securities	-88,528	-73,997
Net (purchase) redemption of Federal Home Loan Bank of Pittsburgh stock	-2,210	3,407
Proceeds from the sale of education loans	2,537	0
Net increase in loans to customers	-33,095	-56,979
Proceeds from the sale of other real estate owned	1,268	1,489
Proceeds from the sale of bank premises and equipment through branch divestitures	2,504	0
Purchases of property and equipment	-982	-583
Net cash used in investing activities	-31,273	-63,511
Cash flows from financing activities:	'	'
Net decrease in deposits	-81,076	-803
Proceeds from Federal Home Loan Bank of Pittsburgh advances	194,235	32,250
Repayment of Federal Home Loan Bank of Pittsburgh advances	-152,572	-13,630
Net cash (used in) provided by financing activities	-39,413	17,817
Net decrease in cash and cash equivalents	-63,563	-28,885
Cash and cash equivalents at beginning of period	103,556	115,271
Cash and cash equivalents at end of period	39,993	86,386
Cash paid (received) during the period for:	'	'
Interest	2,841	3,680
Income taxes	238	-11,582
Other transactions:	'	'
Principal balance of loans transferred to other real estate owned	13	255
Bank premises transferred to other real estate owned	1,749	1,819
Change in deferred gain on sale of other real estate owned	$27	$0

Basis_of_Presentation

Basis of Presentation	9 Months Ended
	Sep. 30, 2014
Organization, Consolidation and Presentation of Financial Statements [Abstract]	'
Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block]	'
	Note 1.   Basis of Presentation
	The consolidated financial statements are comprised of the accounts of First National Community Bancorp, Inc., and its wholly owned subsidiary, First National Community Bank (the “Bank”), as well as the Bank’s wholly owned subsidiaries (collectively, the “Company”). The accounting and reporting policies of the Company conform to accounting principles generally accepted in the United States of America (“GAAP”) and general practices within the banking industry. In the opinion of management, all adjustments necessary for a fair presentation of the results for the three and nine month periods ended September 30, 2014 have been included in the consolidated financial statements. All intercompany balances and transactions have been eliminated in consolidation. Prior period amounts have been reclassified when necessary to conform to the current period’s presentation. These reclassifications did not have an impact on the operating results or financial position of the Company. The operating results and financial position of the Company for the three and nine months ended September 30, 2014, may not be indicative of its future results of operations and financial position.
	The preparation of financial statements in accordance with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ significantly from those estimates. Material estimates that are particularly susceptible to change in the near term are the allowance for loan and lease losses (“ALLL”), investment security valuations, the evaluation of investment securities and other real estate owned (“OREO”) for impairment, and the evaluation of deferred income taxes.
	These financial statements should be read in conjunction with the consolidated financial statements and notes thereto included in the Company’s audited financial statements, included in its Annual Report filed on Form 10-K as of and for the year ended December 31, 2013 and the Company’s Quarterly Reports filed on Form 10-Q for the periods ended March 31, 2014 and June 30, 2014.

New_Authoritative_Accounting_G

New Authoritative Accounting Guidance	9 Months Ended
	Sep. 30, 2014
New Accounting Pronouncements and Changes in Accounting Principles [Abstract]	'
New Accounting Pronouncements and Changes in Accounting Principles [Text Block]	'
	Note 2.   New Authoritative Accounting Guidance
	ASU 2013-11, Income Taxes (Topic 740): “Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists,” requires an unrecognized tax benefit, or a portion of an unrecognized tax benefit, be presented in the financial statements as a reduction to a deferred tax asset for a net operating loss carryforward, a similar tax loss, or a tax credit carryforward. If a net operating loss carryforward, a similar tax loss, or a tax credit carryforward is not available at the reporting date, the unrecognized tax benefit should be presented in the financial statements as a liability and not combined with deferred tax assets. The Company adopted ASU 2013-11 on January 1, 2014. The adoption of this new guidance did not have an effect on the operating results or financial position of the Company.
	Accounting Guidance to be Adopted in Future Periods
	ASU 2014-04, Receivables-Troubled Debt Restructurings by Creditors (Subtopic 310-40): “Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure,” clarifies 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 (a) the creditor obtaining legal title to residential real estate property upon completion of a foreclosure or (b) 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 the amount of foreclosed residential real estate property held by the creditor and 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. This guidance is effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2014, with early adoption permitted. The adoption of this guidance on January 1, 2015 is not expected to have a material effect on the operating results or financial position of the Company.
	ASU 2014-08, Presentation of Financial Statements (Topic 205) and Property, Plant and Equipment (Topic 360): “Reporting Discontinued Operations and Disclosures of Disposals of Components of an Entity,” changes the criteria for reporting a discontinued operation. Under the new guidance, a disposal of a component of an entity or group of components of an entity is required to be reported in discontinued operations if the disposal represents a strategic shift that has (or will have) a major effect on the entity’s operations and financial results. This new guidance reduces complexity by removing the complex and extensive implementation guidance and illustrations that are necessary to apply the current definition of a discontinued operation. The new guidance also requires expanded disclosures about discontinued operations that will provide users with more information about the assets, liabilities, revenues and expenses of a discontinued operation and will require pre-tax income attributable to a disposal of a significant part of an organization that does not qualify for discontinued operations reporting, which will provide users with information about the ongoing trends in a reporting organization’s results from continuing operations. A public company or not-for-profit organization that has issued or is a conduit bond obligor for securities that are traded, listed, or quoted on an exchange or an over-the-counter market is required to apply the new guidance prospectively to all disposals (or classifications as held for sale) of components of an organization and all business or nonprofit activities that, on acquisition, are classified as held for sale that occur within annual periods beginning on or after December 15, 2014, and interim periods within those years. The adoption of this guidance on January 1, 2015 is not expected to have a material effect on the operating results or financial position of the Company.
	ASU 2014-09, Revenue from Contracts with Customers (Topic 606): Section A, “Summary and Amendments That Create Revenue from Contracts with Customers (Topic 606) and Other Assets and Deferred Costs-Contract with Customers (Subtopic 340-40);” Section B, “Conforming Amendments to Other Topics and Subtopics in the Codification and Status Tables;” and Section C, “Background Information and Basis for Conclusions,” provides a robust framework for addressing revenue recognition issues, upon its effective date, replaces almost all existing revenue recognition guidance, including industry specific guidance, in current GAAP. The core principle of ASU 2014-09 is for companies to recognize revenue to depict the transfer of goods or services to customers in amounts that reflect the consideration to which the company expects to be entitled in exchange for those goods or services. ASU 2014-09 will also result in enhanced interim and annual disclosures, both qualitative and quantitative, about revenue in order to help financial statement users understand the nature, amount, timing and uncertainty of revenue and related cash flows. ASU 2014-09 is effective in annual reporting periods beginning after December 15, 2016 and the interim periods within that year for public business entities, not-for-profit entities that have issued, or are conduit bond obligors for, securities that are traded, listed or quoted on an exchange or over-the-counter market and employee benefit plans that file or furnish financial statements to the SEC. Accordingly, the Company will adopt this guidance on January 1, 2017 and is currently evaluating the effect this guidance may have on its operating results or financial position.
	ASU 2014-11, Transfers and Servicing (Topic 860): “Repurchase-to-Maturity Transactions, Repurchase Financings, and Disclosures,” changes the accounting for repurchase-to-maturity transactions and repurchase financing arrangements by aligning the accounting for these transactions with the accounting for other typical repurchase agreements. Going forward, these transactions would all be accounted for as secured borrowings. The new guidance eliminates sale accounting for repurchase-to-maturity transactions and supersedes the guidance under which a transfer of a financial assets and a contemporaneous repurchase financing could be accounted for on a combined basis as a forward arrangement, which has resulted in outcomes referred to as off-balance sheet accounting. ASU 2014-11 also requires a new disclosure for transactions economically similar to repurchase agreements in which the transferor retains substantially all of the exposure to the economic return on the transferred financial assets throughout the term of the transaction, and requires expanded disclosure about the nature of the collateral pledged in repurchase agreements and similar transactions accounted for as secured borrowings. Accounting changes in ASU 2014-11 are effective for public companies for interim and annual periods beginning after December 15, 2014. In addition, the disclosure for certain transactions accounted for as a sale is effective for the first interim or annual period beginning on or after December 15, 2014, and the disclosure for transactions accounted for as secured borrowings is required to be presented for annual periods beginning after December 15, 2014, and interim periods beginning after March 15, 2015. The adoption of this guidance on the appropriate effective dates is not expected to have a material effect on the operating results or financial position of the Company.
	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,” requires a performance target that affects vesting and that can be achieved after the requisite service period to be treated as a performance condition. To account for such awards, an entity should apply existing guidance as it relates to awards with performance conditions that affect vesting. As such, the performance target should not be reflected in estimating the grant-date fair value of the award. Compensation cost should be recognized in the period in which it becomes probable that the performance target will be achieved and should represent compensation cost attributable to the period(s) for which the requisite service already has been rendered. If the performance target becomes probable of being achieved before the end of the requisite service period, the remaining unrecognized compensation cost should be recognized prospectively over the remaining requisite service periods. The total amount of compensation cost should reflect the number of awards that are expected to vest and should be adjusted to reflect those awards that ultimately vest. ASU 2014-12 is effective for annual periods and interim periods within those annual periods beginning after December 15, 2015. The adoption of this guidance on January 1, 2016 is not expected to have a material effect on the operating results or financial position of the Company.
	ASU 2014-14, Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40): “Classification of Certain Government-Guaranteed Mortgage Loans Upon Foreclosure,” requires 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. ASU 2014-14 is effective for public companies for interim and annual periods beginning after December 15, 2014. For all other entities, the new standard is effective for annual periods ending after December 15, 2015 and interim periods beginning after December 15, 2015. The adoption of this guidance on January 1, 2015 is not expected to have a material effect on the operating results or financial position of the Company.
	ASU 2014-15, Presentation of Financial Statements – Going Concern (Subtopic 205-40): “Disclosure of Uncertainties about an Entity’s Ability to Continue as a Going Concern,” defines management’s responsibility to evaluate whether there is substantial doubt about an entity’s ability to continue as a going concern and provide guidance for related footnote disclosures. ASU 2014-15 requires an entity’s management to assess the entity’s ability to continue as a going concern by incorporating and expanding upon certain principles that are currently in U.S. auditing standards. Specifically ASU 2014-15: (1) provides a definition of the term substantial doubt; (2) requires an evaluation as to whether there are conditions or events, considered in the aggregate, that raise substantial doubt about the entity’s ability to continue as a going concern within one year after the date the financial statements are issued (or within one year after the date that the financial statements are available to be issued when applicable); (3) provides principles for considering the mitigating effect of management’s plans; (4) requires certain disclosures when substantial doubt is alleviated; and (5) require an express statement and other disclosures when substantial doubt is not alleviated. ASU 2014-15 is effective for annual periods ending after December 15, 2016, and for annual periods and interim periods thereafter. Early application is permitted. The adoption of this guidance on December 31, 2016 is not expected to have a material effect on the operating results or financial position of the Company.

Regulatory_Matters

Regulatory Matters

9 Months Ended

Sep. 30, 2014

REGULATORY MATTERS

'

Regulatory Capital Requirements under Banking Regulations [Text Block]

'

Note 3.   Regulatory Matters

The Bank is under a Consent Order (the “Order”) from the Office of the Comptroller of the Currency (“OCC”) dated September 1, 2010. The Company is also subject to a Written Agreement (the “Agreement”) with the Federal Reserve Bank of Philadelphia (the “Reserve Bank”) dated November 24, 2010.

OCC Consent Order. The Bank, pursuant to a Stipulation and Consent to the Issuance of a Consent Order dated September 1, 2010, without admitting or denying any wrongdoing, consented and agreed to the issuance of the Order by the OCC, the Bank’s primary regulator. The Order requires the Bank to undertake certain actions within designated timeframes, and to operate in compliance with the provisions thereof during its term. The Order is based on the results of an examination of the Bank as of March 31, 2009. Since the examination, management has engaged in ongoing discussions with the OCC and has taken steps to improve the condition, policies and procedures of the Bank. Compliance with the Order is monitored by a committee (the “Committee”) of at least three directors, none of whom is an employee or controlling shareholder of the Bank or its affiliates or a family member of any such person. The Committee had been required to submit written progress reports to the OCC on a monthly basis. Effective April 10, 2014, the written progress report requirement was changed from monthly to quarterly as of quarter-end March 31, 2014. The Committee has submitted each of the required progress reports with the OCC. The members of the Committee are John P. Moses, William G. Bracey, Joseph Coccia, Keith W. Eckel and Thomas J. Melone. The material provisions of the Order are set forth below with a description of the status of the Bank’s effort to comply with such provisions:

(i) By October 31, 2010, the Board of Directors of the Bank (the “Board”) was required to adopt and implement a three-year strategic plan (a “Strategic Plan”) which must be submitted to the OCC for review and prior determination of no supervisory objection; the Strategic Plan must establish objectives for the Bank’s overall risk profile, earnings performance, growth, balance sheet mix, off-balance sheet activities, liability structure, capital adequacy, reduction in the volume of nonperforming assets, product line development, and market segments that the Bank intends to promote or develop, and is to include strategies to achieve those objectives; if the Strategic Plan involves the sale or merger of the Bank, it must address the timeline and steps to be followed to provide for a definitive agreement within 90 days after the receipt of a determination of no supervisory objection;

The Bank has developed a Strategic Plan that it believes complies with the Order requirements. A three-year Strategic Plan for the period January 1, 2011 to December 31, 2013 was prepared and submitted to the OCC for review. On an annual basis, the Bank prepares an updated and revised Strategic Plan. Strategic Plans for the three-year periods January 1, 2012 to December 31, 2014 and January 1, 2013 to December 31, 2015 were submitted to the OCC for review. The Strategic Plan for the three-year period January 1, 2014 to December 31, 2016 was completed and submitted to the OCC for review in April 2014. The OCC issued a written determination of supervisory non-objection to the Strategic Plan in June 2014. The Strategic Plan was adopted by the Board of Directors in June 2014.

(ii) by October 31, 2010, the Board was required to adopt and implement a three year capital plan (a “Capital Plan”), which must be submitted to the OCC for review and prior determination of no supervisory objection;

The Bank has developed a Capital Plan that it believes complies with the Order requirements to ensure that the Bank’s leverage ratio equals or exceeds 9% and the Bank’s total risk-based capital ratio equals or exceeds 13%. This Capital Plan for the period January 1, 2011 through December 31, 2013 and its annual update and revisions for 2012 and 2013 were submitted to the OCC for review. The annual update and revision to the Capital Plan for the three-year period January 1, 2014 to December 31, 2016 was completed and forwarded to the OCC for review in April 2014. The OCC issued a written determination of supervisory non-objection to the Capital Plan in June 2014. The Capital Plan was adopted by the Board of Directors in June 2014.

(iii) by November 30, 2010, the Bank was required to achieve and thereafter maintain a total risk-based capital equal to at least 13% of risk-weighted assets and a Tier 1 capital equal to at least 9% of adjusted total assets;

The Bank’s total risk-based capital ratio was 15.28% at September 30, 2014, which was above the 13.00% required by the Order. The Bank’s leverage capital ratio was 10.05% at September 30, 2014, which was above the 9.00% required by the Order. The Bank’s total risk-based capital increased 185 basis points, while the Bank’s leverage ratio increased 173 basis points at September 30, 2014 compared to December 31, 2013.

(iv) the Bank may not pay any dividend or capital distribution unless it is in compliance with the higher capital requirements required by the Order, the Capital Plan, applicable legal requirements and, then only after receiving a determination of no supervisory objection from the OCC;

The Board has acknowledged the prohibition on payment of dividends or any other capital distributions unless the Bank receives a determination of no supervisory objection from the OCC. The Bank has not paid any dividends or capital distributions since the effective date of the Order.

On September 8, 2014, the Company sent to the OCC a request for a determination of no supervisory objection of a $1.0 million capital distribution from the Bank to the Company to both cure the trust preferred securities interest deferral and to make regular quarterly interest payments going forward. As of the date of this filing, the Company has not received a determination of no supervisory objection from the OCC.

(v) by November 15, 2010, the Committee must have reviewed the Board and the Board’s committee structure; by November 30, 2010, the Board was required to prepare or cause to be prepared an assessment of the capabilities of the Bank’s executive officers to perform their past and current duties, including those required to respond to the most recent examination report, and to perform annual performance appraisals of each officer;

The Committee completed its review of the Board and the Board committee structure on November 10, 2010 by reviewing the Board Structure Study report completed by an independent consultant engaged by the Committee. The report was forwarded to the OCC on November 24, 2010. The Company has implemented those recommendations and believes it is in compliance with the requirements of this provision. Louis A. DeNaples re-joined the Board in December 2013, William G. Bracey was appointed to the Board in May 2014, and Keith W. Eckel was appointed to the Board in September 2014. One of the Company’s directors, Joseph J. Gentile, passed away in August 2014.

The Board completed its assessment of the capabilities of the Bank’s executive officers upon receipt of a management study, completed by an independent consultant (the “Management Study”), on October 13, 2010. The Management Study was forwarded to the OCC on October 29, 2010. The Board of Directors completed a successful search for President and Chief Executive Officer in December 2011. Since the effective date of the Order, other changes have been made to the executive management team related to the size and complexity of the organization. The Board believes that it has prepared or caused to be prepared an assessment of the capabilities of the Bank’s executive officers to perform their past and current duties, including those required to respond to the most recent examination report.

Annual performance appraisals are prepared for each officer based on established and timely management goals to confirm that each officer is performing the duties outlined in his or her job description.

(vi) by October 31, 2010, the Board was required to adopt, implement and thereafter ensure compliance with a comprehensive Conflict of Interest Policy applicable to the Bank’s and the Company’s directors, executive officers, principal shareholders and their affiliates and such person’s immediate family members and their related interests, employees, and by November 30, 2010, was required to review existing relationships with such persons to identify those, if any, not in compliance with the policy; and review all subsequent proposed transactions with such persons or modifications of transactions;

The Bank’s Conflict of Interest Policy has been revised to provide comprehensive guidance and a review was conducted of existing relationships to ensure compliance with the Conflict of Interest Policy. The revised policy was approved by the Board on September 29, 2010 and forwarded to the OCC on October 7, 2010. Additional revisions were approved by the Board on April 29, 2011, October 24, 2012, May 22, 2013 and November 14, 2013. The Board believes that is has adopted, implemented and maintained compliance with a comprehensive Conflict of Interest Policy in accordance with the requirements of the provision.

(vii) by October 31, 2010, the Board was required to develop, implement and ensure adherence to policies and procedures for Bank Secrecy Act (“BSA”) compliance; and account opening and monitoring procedures compliance;

The Board believes it has developed and implemented a written program of policies and procedures to provide for compliance with the requirements of the BSA as well as compliance with account opening and monitoring procedures.

(viii) by October 31, 2010, the Board was required to ensure the BSA audit function is supported by an adequately staffed department or third party firm; to adopt, implement and ensure compliance with an independent BSA audit; and to assess the capabilities of the BSA officer and supporting staff to perform present and anticipated duties;

The Board believes that the Bank’s BSA audit function is adequately staffed; and the BSA officer and staff have been assessed to determine their ability to implement and maintain compliance with the BSA policies and programs detailed above.

(ix) by October 31, 2010, the Board was required to adopt, implement and ensure adherence to a written credit policy (the “Loan Policy”), including specified features, to improve the Bank’s loan portfolio management;

The Bank’s written Loan Policy has been revised to improve guidance and control over the Bank’s lending functions. The revised policy was approved by the Board on October 27, 2010. Additional periodic Loan Policy revisions were approved by the Board from November 24, 2010 through October 2014 for purposes of continued compliance with this provision.

(x) the Board was required to take certain actions to resolve certain credit and collateral exceptions;

The Board believes that it has taken action to appropriately address the credit and collateral exceptions concerns detailed in the Order.

(xi) by October 31, 2010, the Board was required to establish an effective, independent and ongoing loan review system to review, at least quarterly, the Bank’s loan and lease portfolios to assure the timely identification and categorization of problem credits; by October 31, 2010, to adopt and adhere to a program for the maintenance of an adequate ALLL, and to review the adequacy of the Bank’s ALLL at least quarterly;

The Board has established an independent and ongoing loan review program on a quarterly basis that it believes provides for the timely identification and categorization of problem credits.

The ALLL policy and methodologies have been reviewed and revised to determine the appropriate level of the ALLL, including documenting the analysis in accordance with GAAP and other applicable regulatory guidelines. The revised policy was approved by the Board on October 27, 2010 and is updated on an annual basis. The Board reviews the ALLL methodology analysis on a quarterly basis as part of the financial reporting process.

(xii) by October 31, 2010, the Board was required to adopt and the Bank implement and adhere to a program to protect the Bank’s interest in criticized assets; and the Bank may only extend additional credit (including renewals) to a borrower whose loans are criticized under specified circumstances;

The Board committed to a program to reduce the Bank’s risk exposure to criticized assets by implementing a detailed monthly reporting and monitoring process. The Board believes that this program has resulted in a substantial reduction in criticized assets.

In accordance with the requirements of the Order, since the date of the Order, the Bank has not extended any additional credit to, or for the benefit of, any borrower who has a loan or other extension of credit that either has been charged off or criticized without the prior approval of the Bank’s Board, or loan committee under specified circumstances, since the date of the Order.

(xiii) by October 31, 2010, the Board was required to adopt and ensure adherence to action plans for each piece of other real estate owned;

The Board committed to action plans for each piece of other real estate owned centered around a robust reporting and monitoring process. The Board believes that this program has resulted in a substantial reduction in other real estate owned balances.

(xiv) by November 30, 2010, the Board was required to develop, implement and ensure adherence to a policy for effective monitoring and management of concentrations of credit;

The Board believes it developed and implemented a written concentration management program consistent with OCC Bulletin 2006-46 on November 24, 2010. This program was forwarded to the OCC on November 30, 2010. Loan concentration analysis reports are prepared and reviewed quarterly by the Board as part of the Bank’s loan portfolio management practices.

(xv) by October 31, 2010, the Board was required to revise and implement the Bank’s Other Than Temporary Impairment Policy;

The Board believes that the Other Than Temporary Impairment Policy has been reviewed and revised so that the quarterly other than temporary impairment (“OTTI”) analysis process identifies and measures OTTI in accordance with GAAP and supervisory guidance, including Financial Accounting Standards Board Accounting Standards Codification 320-10-35 (Recognition and Presentation of Other-than-Temporary Impairments), OCC Bulletin 2009-11 dated April 17, 2009, "Other-than-Temporary Impairment Accounting", OCC Bulletin 2013-28, “Uniform Agreement on the Classification and Appraisal of Securities Held by Depository Institutions” and OCC Call Report Instructions.

(xvi) by October 31, 2010, the Board was required to take action to maintain adequate sources of stable funding and liquidity and a contingency funding plan; by October 31, 2010, the Board was required to adopt, implement and ensure compliance with an independent, internal audit program;

The Board believes that it has taken action to maintain adequate sources of stable funding and liquidity and developed an appropriate contingency funding plan for the Bank. A liquidity funding policy that addresses liquidity needs, funding sources and contingency funding was approved by the Board on November 24, 2010 and has been implemented and is reviewed and updated annually. Additional policies related to liquidity, funding and contingency funding have since been created and are updated annually since the Order was executed.

The Board believes that it has taken appropriate steps to adopt, implement and comply with an independent, adequately-staffed internal audit program.

(xvii) take actions to correct cited violations of law; and adopt procedures to prevent future violations and address compliance management.

The Board and management believe that they have taken appropriate action to correct cited violations and adopted procedures designed to prevent future violations and address compliance management.

Federal Reserve Agreement. On November 24, 2010, the Company entered into the Agreement with the Reserve Bank. The Agreement requires the Company to undertake certain actions within designated timeframes, and to operate in compliance with the provisions thereof during its term. The material provisions of the Agreement are set forth below with a description of the status of the Company’s efforts to comply with such provisions:

(i) the Company’s Board was required to take appropriate steps to fully utilize the Company’s financial and managerial resources to serve as a source of strength to the Bank, including taking steps to ensure that the Bank complies with its Consent Order entered into with the OCC;

The Company has taken, and continues to take, steps the Board believes are appropriate to use the Company’s financial and managerial resources to serve as a source of strength to the Bank. The steps the Bank has taken to comply with the Order are discussed above.

(ii) the Company may not declare or pay any dividends without the prior written approval of the Reserve Bank and the Director of the Division of Banking Supervision and Regulation (the “Director”) of the Federal Reserve Board;

The Company has acknowledged the prohibition on payment of dividends without the prior written consent of the Reserve Bank and Director. The Company has not paid any dividends since the effective date of the Agreement.

(iii) the Company may not take dividends or other payments representing a reduction of the Bank’s capital without the prior written approval of the Reserve Bank;

The Company has acknowledged the prohibition on taking dividends or any other capital distributions from the Bank without the prior written consent of the Reserve Bank. The Bank has not paid and the Company has not received any dividends or capital distributions from the Bank since the effective date of the Agreement.

(iv) the Company and its nonbank subsidiary may not make any payment of interest, principal or other amounts on the Company’s subordinated debentures or trust preferred securities without the prior written approval of the Reserve Bank and the Director;

The Company has acknowledged the prohibition on any payment related to the Company’s subordinated debentures and trust preferred securities without the written approval of the Reserve Bank and Director. The Company has not made any payments of interest, principal or other amounts on the Company’s subordinated debentures or trust preferred securities since the effective date of the Agreement.

On September 8, 2014 the Company sent to the Reserve Bank requests for approval for the Company to receive a $1.0 million capital distribution from the Bank, and to make a distribution on the trust preferred securities to cure the interest deferral and resume regular quarterly interest payments commencing on March 15, 2015. As of the date of this filing the Company has not received approval from the Reserve Bank.

(v) the Company may not make any payment of interest, principal or other amounts on debt owed to insiders of the Company without the prior written approval of the Reserve Bank and Director;

The Company has acknowledged the prohibition on any payment related to the debt owed to insiders of the Company without the written approval of the Reserve Bank and Director. The Company has not made any payments related to debt owed to insiders since the effective date of the Agreement.

(vi) the Company and its nonbank subsidiary may not incur, increase or guarantee any debt without the prior written approval of the Reserve Bank;

The Company has acknowledged the prohibition on incurring, increasing or guaranteeing any debt without the written approval of the Reserve Bank other than permitted borrowings by the Bank from the Federal Home Loan Bank (“FHLB”). The Company has not incurred, increased or guaranteed any debt since the effective date of the Agreement.

(vii) the Company may not purchase or redeem any shares of its stock without the prior written approval of the Reserve Bank;

The Company has acknowledged the prohibition on purchasing or redeeming any shares of its stock without the written approval of the Reserve Bank. The Company has not purchased or redeemed any shares of its stock since the effective date of the Agreement.

(viii) the Company was required to submit to the Reserve Bank, by January 23, 2011, an acceptable written plan to maintain sufficient capital at the Company on a consolidated basis. Thereafter, the Company must notify the Reserve Bank within 45 days of the end of any quarter in which the Company’s capital ratios fall below the approved capital plan’s minimum ratios, and submit an acceptable written plan to increase the Company’s capital ratios above the capital plan’s minimums;

The Company has developed a Capital Plan that it believes is acceptable and maintains sufficient capital at the Company on a consolidated basis. The Capital Plan was submitted to the Reserve Bank on January 11, 2011. The Capital Plan has since been updated at least annually and forwarded to the Reserve Bank. The annual update and revision to the Capital Plan for the three-year period January 1, 2014 to December 31, 2016 was completed in conjunction with the annual budget and strategic planning initiatives and provided to the Reserve Bank in April 2014. The Company notified the Reserve Bank that the OCC issued a written determination of supervisory non-objection to the Capital Plan in June 2014, and that the Bank’s Board of Directors adopted the plan in June 2014.

The Bank’s total risk-based capital ratio was 15.28% at September 30, 2014, which was above the 13.00% minimum required by the Order. The Bank’s leverage ratio was 10.05% at September 30, 2014, which was also above the 9.00% required by the Order.

(ix) the Company was required to immediately take all actions necessary to ensure that: (1) each regulatory report accurately reflects the Company’s condition on the date for which it is filed and all material transactions between the Company and its subsidiaries; (2) each such report is prepared in accordance with its instructions; and (3) all records indicating how the report was prepared are maintained for supervisory review;

The Company believes that it has taken actions to ensure that all required regulatory reports are filed to accurately reflect its financial condition on the date filed, are prepared in accordance with instructions and that records detailing how the reports were filed are maintained and available for supervisory review.

(x) the Company was required to submit to the Reserve Bank, by January 23, 2011, acceptable written procedures to strengthen and maintain internal controls to ensure all required regulatory reports and notices filed with the Board of Governors are accurate and filed in accordance with the instructions for preparation;

The Company believes that it has designed effective written procedures and strengthened internal controls so that all required Board of Governors reports and notices filed are accurate, timely and in accordance with instructions. The written procedures were provided to the Reserve Bank on January 21, 2011.

(xi) the Company was required to submit to the Reserve Bank, by January 8, 2011, a cash flow projection for 2011, reflecting the Company’s planned sources and uses of cash, and submit a cash flow projection for each subsequent calendar year at least one month prior to the beginning of such year;

The Company created a cash flow projection for 2011 and submitted it to the Reserve Bank on January 7, 2011 in accordance with requirements of the Agreement. Similar projections for 2012, 2013, and 2014 were provided to the Reserve Bank within the time requirements prescribed in the Agreement. At the request of the Reserve Bank, the Company provided the Reserve Bank with an updated cash flow projection for 2014-2016 in August of 2013. The cash flow projection for 2015 is scheduled to be delivered to the Federal Reserve Bank in December 2014.

(xii) the Company must comply with: (1) the notice provisions of Section 32 of the FDI Act and Subpart H of Regulation Y in appointing any new director or senior executive officer or changing the duties of any senior executive officer; and (2) the restrictions on indemnification and severance payments of Section 18(k) of the FDI Act and Part 359 of the FDIC’s regulations;

The Company has acknowledged the notice requirements on the appointment of any new director or senior executive officer. The Company has filed the appropriate notice for each new director or senior executive officer since the date of the Agreement.

The Company acknowledges the restriction on indemnification and severance payments under Section 18(k) of the FDI Act and Part 359 of the FDIC’s regulations. The Company has not made any such indemnification or severance payments since the effective date of the Agreement without obtaining prior regulatory non-objection from the OCC and regulatory concurrence from the FDIC as required by Part 359.

(xiii) the Board must submit written progress reports within 30 days of the end of each calendar quarter.

The Company’s Board has filed each of the required written progress reports with the Reserve Bank since the Agreement was executed.

Banking regulations also limit the amount of dividends that may be paid without prior approval of the Bank’s regulatory agency. At September 30, 2014, the Company and the Bank are restricted from paying any dividends, without regulatory approval.

The Company is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material adverse effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, specific capital guidelines that involve quantitative measures of assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices must be met. Capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.

Current quantitative measures established by regulation to ensure capital adequacy require the Company to maintain minimum amounts and ratios (set forth in the table below) of total and Tier I capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier I capital (as defined) to average assets (as defined).

In accordance with the Order, the Bank is required to achieve and thereafter maintain a total risk-based capital ratio equal to at least 13.00% of risk-weighted assets and a Tier I capital ratio equal to at least 9.00% of adjusted total assets. As of September 30, 2014, the Bank met both the 13.00% minimum requirement for the total-risk based capital ratio and the 9.00% minimum requirement for the Tier I leverage ratio. The minimum capital requirements under the Order take precedence over the standard regulatory capital adequacy definitions described in the tables below.

The Company’s and the Bank’s actual capital positions, risk-weighted assets, and total average assets for the Tier I leverage ratio at September 30, 2014 and December 31, 2013 are presented in the following table:

Capital Analysis

September 30,

December 31,

(in thousands)

2014

2013

Company

Tier I capital:

Total tier I capital

$

59,810

$

46,165

Tier II capital:

Subordinated notes

25,000

23,085

Allowable portion of allowance for loan losses

8,703

8,462

Total tier II capital

33,703

31,547

Total risk-based capital

$

93,513

$

77,712

Total risk-weighted assets

$

692,693

$

670,894

Total average assets (for Tier I leverage ratio)

$

965,740

$

980,754

Bank

Tier I capital:

Total tier I capital

$

97,096

$

81,581

Tier II capital:

Allowable portion of allowance for loan losses

8,698

8,456

Total tier II capital

8,698

8,456

Total risk-based capital

$

105,794

$

90,037

Total risk-weighted assets

$

692,314

$

670,416

Total average assets (for Tier I leverage ratio)

$

965,709

$

980,747

The following tables present summary information regarding the Company’s and the Bank’s risk-based capital and related ratios at September 30, 2014 and December 31, 2013:

To Be Well

Capitalized

Under Prompt

For Capital

Corrective

Actual

Adequacy Purposes

Action Provision

(dollars in thousands)

Amount

Ratio

Amount

Ratio

Amount

Ratio

30-Sep-14

Total capital (to risk-weighted assets)

Company

$

93,513

13.5

%

$

>55,415

>8.00

%

N/A

N/A

Bank

$

105,794

15.28

%

$

>55,385

>8.00

%

$

>69,231

>10.00

%

Tier I capital (to risk-weighted assets)

Company

$

59,810

8.63

%

$

>27,708

>4.00

%

N/A

N/A

Bank

$

97,096

14.02

%

$

>27,693

>4.00

%

$

>41,539

>6.00

%

Tier I capital (to average assets)

Company

$

59,810

6.19

%

$

>38,630

>4.00

%

N/A

N/A

Bank

$

97,096

10.05

%

$

>38,628

>4.00

%

$

>48,285

>5.00

%

To Be Well

Capitalized

Under Prompt

For Capital

Corrective

Actual

Adequacy Purposes

Action Provision

(dollars in thousands)

Amount

Ratio

Amount

Ratio

Amount

Ratio

31-Dec-13

Total capital (to risk-weighted assets)

Company

$

77,712

11.58

%

$

>53,672

>8.00

%

N/A

N/A

Bank

$

90,037

13.43

%

$

>53,633

>8.00

%

$

>67,042

>10.00

%

Tier I capital (to risk-weighted assets)

Company

$

46,165

6.88

%

$

>26,836

>4.00

%

N/A

N/A

Bank

$

81,581

12.17

%

$

>26,817

>4.00

%

$

>40,225

>6.00

%

Tier I capital (to average assets)

Company

$

46,165

4.71

%

$

>39,230

>4.00

%

N/A

N/A

Bank

$

81,581

8.32

%

$

>39,230

>4.00

%

$

>49,038

>5.00

%

Loans

Loans	9 Months Ended
	Sep. 30, 2014
LOANS	'
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	'
	Note 4.   Loans
	The following table summarizes loans receivable, net, by category at September 30, 2014 and December 31, 2013:
			September 30,		December 31,
	(in thousands)		2014		2013
	Residential real estate		$	124,375	$	114,925
	Commercial real estate			237,437		218,524
	Construction, land acquisition and development			17,561		24,382
	Commercial and industrial			135,283		127,021
	Consumer			122,573		118,645
	State and political subdivisions			40,210		39,875
	Total loans, gross			677,439		643,372
	Unearned income			-115		-143
	Net deferred loan fees and costs			836		668
	Allowance for loan and lease losses			-11,898		-14,017
	Loans, net		$	666,262	$	629,880
	The Company has granted loans, letters of credit and lines of credit to certain executive officers and directors of the Company as well as to certain related parties of executive officers and directors. These loans, letters of credit and lines of credit were made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with unrelated persons and, when made, did not involve more than the normal risk of collectability. See Note 10 to these consolidated financial statements for more information about related party transactions.
	The Company originates one- to four-family mortgage loans primarily for sale in the secondary market. During the three and nine month periods ended September 30, 2014, the Company sold $1.7 million and $6.6 million, respectively, of one- to four-family mortgages. The Company retained servicing rights on these mortgages. The Company had $171 thousand and $820 thousand in loans held-for-sale at September 30, 2014 and December 31, 2013, respectively. All loans held for sale are one- to four-family residential mortgage loans.
	The Company sold substantially all of its education loans, which are categorized as consumer loans, to a third party during the nine months ended September 30, 2014. The education loans had a recorded investment of $2.6 million at the time of sale. The Company recognized a loss of $13 thousand upon the sale of these loans which is included in non-interest income for the nine months ended September 30, 2014.
	The Company does not have any lending programs commonly referred to as subprime lending. Subprime lending generally targets borrowers with weakened credit histories typically characterized by payment delinquencies, previous charge-offs, judgments, bankruptcies, or borrowers with questionable repayment capacity as evidenced by low credit scores or high debt-burden ratios.
	See Note 2 to the Company’s consolidated financial statements included in the 2013 Form 10-K for information about the risk characteristics related to the Company’s loan segments.
	The Company provides for loan losses based on the consistent application of its documented ALLL methodology. Loan losses are charged to the ALLL and recoveries are credited to it. Additions to the ALLL are provided by charges against income based on various factors which, in management’s judgment, deserve current recognition of estimated probable losses. Loan losses are charged-off in the period the loans, or portions thereof, are deemed uncollectible. Generally, the Company will record a loan charge-off (including a partial charge-off) to reduce a loan to the estimated recoverable amount based on its methodology detailed below. The Company regularly reviews the loan portfolio and makes adjustments for loan losses in order to maintain the ALLL in accordance with GAAP. The ALLL consists primarily of the following two components:
		-1	Specific allowances are established for impaired loans, which are defined by the Company as all loan relationships with an aggregate outstanding balance greater than $100 thousand that are rated substandard and on non-accrual status, rated doubtful or loss, and all troubled debt restructured loans (“TDRs”). The amount of impairment provided for as an allowance is represented by the deficiency, if any, between the carrying value of the loan and either (a) the present value of expected future cash flows discounted at the loan’s effective interest rate, (b) the loan’s observable market price, or (c) the fair value of the underlying collateral, less estimated costs to sell, for collateral dependent loans. Impaired loans that have no impairment losses are not considered for general valuation allowances described below. If the Company determines that collection of the impairment amount is remote, the Company will record a charge-off.
		-2	General allowances are established for loan losses on a portfolio basis for loans that do not meet the definition of impaired. The Company divides its portfolio into loan segments for loans exhibiting similar characteristics. Loans rated special mention or substandard and accruing, which are embedded in these loan segments, are then separated from these loan segments. These loans are then subject to an analysis placing increased emphasis on the credit risk associated with these specific loans. The Company applies an estimated loss rate to each loan group. The loss rates applied are based on the Company’s own historical loss experience based on the loss rate for each segment of loans with similar risk characteristics in its portfolio. In addition, management evaluates and applies certain qualitative or environmental factors that are likely to cause estimated credit losses associated with the Company’s existing portfolio to differ from historical experience, which are discussed below. This evaluation is inherently subjective, as it requires material estimates that may be susceptible to significant revisions based upon changes in economic and real estate market conditions. Actual loan losses may be significantly more than the ALLL that is established, which could have a material negative effect on the Company’s operating results or financial condition.
	Management makes adjustments for loan losses based on its evaluation of several qualitative and environmental factors, including but not limited to:
		⋅	Changes in national, local, and business economic conditions and developments, including the condition of various market segments;
		⋅	Changes in the nature and volume of the Company’s loan portfolio;
		⋅	Changes in the Company’s lending policies and procedures, including underwriting standards, collection, charge-off and recovery practices and results;
		⋅	Changes in the experience, ability and depth of the Company’s lending management and staff;
		⋅	Changes in the quality of the Company's loan review system and the degree of oversight by the Company’s Board of Directors;
		⋅	Changes in the trend of the volume and severity of past due and classified loans, including trends in the volume of non-accrual loans, troubled debt restructurings and other loan modifications;
		⋅	The existence and effect of any concentrations of credit and changes in the level of such concentrations;
		⋅	The effect of external factors such as competition and legal and regulatory requirements on the level of estimated credit losses in the Company's current loan portfolio; and
		⋅	Analysis of customers’ credit quality, including knowledge of their operating environment and financial condition.
	Management evaluates the ALLL based on the combined total of the impaired and general components. Generally, when the loan portfolio increases, absent other factors, the ALLL methodology results in a higher dollar amount of estimated probable losses. Conversely, when the loan portfolio decreases, absent other factors, the ALLL methodology results in a lower dollar amount of estimated probable losses.
	Each quarter, management evaluates the ALLL and adjusts the ALLL as appropriate through a provision for loan losses. While the Company uses the best information available to make evaluations, future adjustments to the ALLL may be necessary if conditions differ substantially from the information used in making the evaluations. In addition, as an integral part of its examination process, the OCC periodically reviews the Company’s ALLL. The OCC may require the Company to adjust the ALLL based on its analysis of information available to it at the time of its examination.
	The following table summarizes the activity in the ALLL by loan category for the three and nine months ended September 30, 2014 and 2013:
			Real Estate
							Construction,
							Land								State and
			Residential		Commercial		Acquisition and		Commercial						Political
	(in thousands)		Real Estate		Real Estate		Development		and Industrial			Consumer			Subdivisions		Total
	Three months ended September 30, 2014:
	Allowance for loan losses:
	Beginning balance, July 1, 2014		$	2,112	$	5,133	$	923	$	1,758		$	1,681		$	568	$	12,175
	Charge-offs			-67		-		-		-22			-270			-		-359
	Recoveries			9		-		-		69			58			-		136
	Provisions (credits)			-307		128		-148		-			258			15		-54
	Ending balance, September 30, 2014		$	1,747	$	5,261	$	775	$	1,805		$	1,727		$	583	$	11,898
	Three months ended September 30, 2013:
	Allowance for loan losses:
	Beginning balance, July 1, 2013		$	2,145	$	7,823	$	2,390	$	3,487		$	1,760		$	983	$	18,588
	Charge-offs			-98		-		-65		-116			-74			-		-353
	Recoveries			9		362		5		71			95			-		542
	Provisions (credits)			215		-869		-141		-225			105			-244		-1,159
	Ending balance, September 30, 2013		$	2,271	$	7,316	$	2,189	$	3,217		$	1,886		$	739	$	17,618
	Nine months ended September 30, 2014:
	Allowance for loan losses:
	Beginning balance, January 1, 2014		$	2,287	$	6,017	$	924	$	2,321		$	1,789		$	679	$	14,017
	Charge-offs			-152		-		-		-172			-637			-		-961
	Recoveries			79		355		3,539		195			303			-		4,471
	Provisions (credits)			-467		-1,111		-3,688		-539			272			-96		-5,629
	Ending balance, September 30, 2014		$	1,747	$	5,261	$	775	$	1,805		$	1,727		$	583	$	11,898
	Nine months ended September 30, 2013:
Allowance for loan losses:
Beginning balance, January 1, 2013		$	1,764	$	8,062	$	2,162	$	4,167		$	1,708		$	673	$	18,536
Charge-offs			-445		-48		-175		-244			-433			-		-1,345
Recoveries			190		471		124		1,656			371			-		2,812
Provisions (credits)			762		-1,169		78		-2,362			240			66		-2,385
Ending balance, September 30, 2013		$	2,271	$	7,316	$	2,189	$	3,217		$	1,886		$	739	$	17,618
The following table presents the allocation of the ALLL and the related loan balance disaggregated based on the impairment methodology for each loan category at September 30, 2014 and December 31, 2013:
		Real Estate
						Construction,
						Land								State and
		Residential		Commercial		Acquisition and		Commercial						Political
(in thousands)		Real Estate		Real Estate		Development		and Industrial			Consumer			Subdivisions		Total
30-Sep-14
Allowance for loan losses:
Individually evaluated for impairment		$	6	$	341	$	1	$	-		$	1		$	-	$	349
Collectively evaluated for impairment			1,741		4,920		774		1,805			1,726			583		11,549
Total		$	1,747	$	5,261	$	775	$	1,805		$	1,727		$	583	$	11,898
Loans receivable:
Individually evaluated for impairment		$	2,583	$	6,608	$	259	$	-		$	363		$	-	$	9,813
Collectively evaluated for impairment			121,792		230,829		17,302		135,283			122,210			40,210		667,626
Total		$	124,375	$	237,437	$	17,561	$	135,283		$	122,573		$	40,210	$	677,439
31-Dec-13
Allowance for loan losses:
Individually evaluated for impairment		$	12	$	296	$	1	$	-		$	1		$	-	$	310
Collectively evaluated for impairment			2,275		5,721		923		2,321			1,788			679		13,707
Total		$	2,287	$	6,017	$	924	$	2,321		$	1,789		$	679	$	14,017
Loans receivable:
Individually evaluated for impairment		$	1,985	$	6,626	$	306	$	-		$	316		$	-	$	9,233
Collectively evaluated for impairment			112,940		211,898		24,076		127,021			118,329			39,875		634,139
Total		$	114,925	$	218,524	$	24,382	$	127,021		$	118,645		$	39,875	$	643,372
Credit Quality Indicators – Commercial Loans
Management continuously monitors the credit quality of the Company’s commercial loans by regularly reviewing certain credit quality indicators. Management utilizes credit risk ratings as the key credit quality indicator for evaluating the credit quality of the Company’s loan receivables.
The Bank’s commercial loan classification and credit grading processes are part of the lending, underwriting, and credit administration functions to ensure an ongoing assessment of credit quality. Accurate and timely loan classification and credit grading is a critical component of loan portfolio management. Loan officers are required to review their loan portfolio risk ratings regularly for accuracy. The loan review function uses the same risk rating system in the loan review process. This allows an independent third party to assess the quality of the portfolio and compare the accuracy of ratings with the loan officer’s and management’s assessment.
A formal loan classification and credit grading system reflects the risk of default and credit losses. A written description of the risk ratings is maintained that includes a discussion of the factors used to assign appropriate classifications of credit grades to loans. The process identifies groups of loans that warrant the special attention of management. The risk grade groupings provide a mechanism to identify risk within the loan portfolio and provide management and the Board with periodic reports by risk category. The credit risk ratings play an important role in the establishment and evaluation of the provision for loan and lease losses and the ALLL. After determining the historical loss factor which is adjusted for qualitative and environmental factors for each portfolio segment, the portfolio segment balances that have been collectively evaluated for impairment are multiplied by the general reserve loss factor for the respective portfolio segments to determine the general reserve. Loans that have an internal credit rating of special mention or substandard follow the same process; however, the qualitative and environmental factors are further adjusted for the increased risk.
The Company utilizes a loan rating system that assigns a degree of risk to commercial loans based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information and current economic trends, among other factors. Management analyzes these non-homogeneous loans individually by grading the loans as to credit risk and probability of collection for each type of loan. Commercial loans include commercial indirect auto loans which are not individually risk rated, and construction, land acquisition and development loans include residential construction loans which are also not individually risk rated. These loans are monitored on a pool basis due to their homogeneous nature as described in “Credit Quality Indicators – Other Loans” below. The Company risk rates certain residential real estate loans and consumer loans that are part of a larger commercial relationship using its credit grading system as described in “Credit Quality Indicators – Commercial Loans.” The grading system contains the following basic risk categories:
1. Minimal Risk
2. Above Average Credit Quality
3. Average Risk
4. Acceptable Risk
5. Pass - Watch
6. Special Mention
7. Substandard - Accruing
8. Substandard - Non-Accrual
9. Doubtful
10. Loss
This analysis is performed on a quarterly basis using the following definitions for risk ratings:
Pass - Assets rated 1 through 5 are considered pass ratings. These assets show no current or potential problems and are considered fully collectible. All such loans are considered collectively for ALLL calculation purposes. However, accruing TDRs that have been performing for an extended period of time, do not represent a higher risk of loss, and have been upgraded to a pass rating are evaluated individually for impairment.
Special Mention – Assets classified as special mention do not currently expose the Company to a sufficient degree of risk to warrant an adverse classification but do possess credit deficiencies or potential weaknesses deserving close attention.  Special Mention assets have a potential weakness or pose an unwarranted financial risk which, if not corrected, could weaken the asset and increase risk in the future.
Substandard - Assets classified as substandard have well defined weaknesses based on objective evidence, and are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected.
Doubtful - Assets classified as doubtful have all of the weaknesses inherent in those classified substandard with the added characteristic that the weaknesses present make collection or liquidation in full highly questionable and improbable based on current circumstances.
Loss - Assets classified as loss are those considered uncollectible and of such little value that their continuance as assets is not warranted.
The following tables present the recorded investment in loans receivable by loan category and credit quality indicator at September 30, 2014 and December 31, 2013:
Commercial Credit Quality Indicators
September 30, 2014
		Real Estate
						Construction,
						Land								State and
		Residential		Commercial		Acquisition and		Commercial and						Political
(in thousands)		Real Estate		Real Estate		Development		Industrial			Consumer			Subdivisions		Total
Internal risk rating
Pass		$	21,865	$	207,322	$	9,053	$	125,170		$	3,302		$	38,556	$	405,268
Special mention			453		16,445		1,625		2,098			-			1,026		21,647
Substandard			1,201		13,670		5,616		2,534			127			628		23,776
Doubtful			-		-		-		-			-			-		-
Loss			-		-		-		-			-			-		-
Total		$	23,519	$	237,437	$	16,294	$	129,802		$	3,429		$	40,210	$	450,691
Commercial Credit Quality Indicators
December 31, 2013
		Real Estate
						Construction,
						Land								State and
		Residential		Commercial		Acquisition and		Commercial and						Political
(in thousands)		Real Estate		Real Estate		Development		Industrial			Consumer			Subdivisions		Total
Internal risk rating
Pass		$	19,050	$	191,601	$	13,781	$	113,048		$	2,546		$	39,151	$	379,177
Special mention			869		12,568		1,361		3,777			-			-		18,575
Substandard			1,347		14,355		6,168		4,525			157			724		27,276
Doubtful			-		-		-		-			-			-		-
Loss			-		-		-		-			-			-		-
Total		$	21,266	$	218,524	$	21,310	$	121,350		$	2,703		$	39,875	$	425,028
Credit Quality Indicators – Other Loans
Certain residential real estate loans, consumer loans, and commercial indirect auto loans are monitored on a pool basis due to their homogeneous nature. Loans that are delinquent 90 days or more are placed on non-accrual status unless collection of the loan is in process and reasonably assured. The Company utilizes accruing versus non-accruing status as the credit quality indicator for these loan pools. The following tables present the recorded investment in residential real estate loans, residential construction, land acquisition and development loans, commercial indirect auto loans, and consumer loans based on payment activity at September 30, 2014 and December 31, 2013:
		September 30, 2014
		Accruing		Non-Accruing
(in thousands)		Loans		Loans		Total
Residential real estate		$	99,912	$	944	$	100,856
Construction, land acquisition and development - residential			1,267		-		1,267
Commercial - indirect auto			5,481		-		5,481
Consumer			118,929		215		119,144
Total		$	225,589	$	1,159	$	226,748
		December 31, 2013
		Accruing		Non-Accruing
(in thousands)		Loans		Loans		Total
Residential real estate		$	92,181	$	1,478	$	93,659
Construction, land acquisition and development - residential			3,072		-		3,072
Commercial - indirect auto			5,671		-		5,671
Consumer			115,809		133		115,942
Total		$	216,733	$	1,611	$	218,344
Included in loans receivable are loans for which the accrual of interest income has been discontinued due to deterioration in the financial condition of the borrowers. The recorded investment in these non-accrual loans was $5.5 million and $6.4 million at September 30, 2014 and December 31, 2013, respectively. Generally, loans are placed on non-accruing status when they become 90 days or more delinquent, and remain on non-accrual status until they are brought current, have six months of performance under the loan terms, and factors indicating reasonable doubt about the timely collection of payments no longer exist. Therefore, loans may be current in accordance with their loan terms, or may be fewer than 90 days delinquent and still be on a non-accrual status. Loans past due 90 days or more and still accruing interest were $49 thousand and $19 thousand at September 30, 2014 and December 31, 2013, and consisted of loans that are well secured and are in the process of collection.
The following tables present the delinquency status of past due and non-accrual loans by loan category at September 30, 2014 and December 31, 2013:
		September 30, 2014
		Delinquency Status
		0-29 Days		30-59 Days		60-89 Days		>/=160;90 Days
(in thousands)		Past Due		Past Due		Past Due		Past Due			Total
Performing (accruing) loans:
Real estate:
Residential real estate		$	122,894	$	263	$	44	$	-		$	123,201
Commercial real estate			233,190		73		112		49			233,424
Construction, land acquisition and development			17,516		-		-		-			17,516
Total real estate			373,600		336		156		49			374,141
Commercial and industrial			134,857		179		155		-			135,191
Consumer			120,892		1,119		347		-			122,358
State and political subdivisions			40,210		-		-		-			40,210
Total performing (accruing) loans			669,559		1,634		658		49			671,900
Non-accrual loans:
Real estate:
Residential real estate			417		121		39		597			1,174
Commercial real estate			3,969		-		-		44			4,013
Construction, land acquisition and development			-		-		-		45			45
Total real estate			4,386		121		39		686			5,232
Commercial and industrial			32		20		-		40			92
Consumer			39		7		38		131			215
State and political subdivisions			-		-		-		-			-
Total non-accrual loans			4,457		148		77		857			5,539
Total loans receivable		$	674,016	$	1,782	$	735	$	906		$	677,439
		December 31, 2013
		Delinquency Status
		0-29 Days		30-59 Days		60-89 Days		>/=160;90 Days
(in thousands)		Past Due		Past Due		Past Due		Past Due			Total
Performing (accruing) loans:
Real estate:
Residential real estate		$	112,519	$	571	$	116	$	-		$	113,206
Commercial real estate			213,660		629		-		-			214,289
Construction, land acquisition and development			24,259		78		-		-			24,337
Total real estate			350,438		1,278		116		-			351,832
Commercial and industrial			126,441		232		125		19			126,817
Consumer			116,710		1,420		362		-			118,492
State and political subdivisions			39,875		-		-		-			39,875
Total peforming (accruing) loans			633,464		2,930		603		19			637,016
Non-accrual loans:
Real estate:
Residential real estate			570		73		51		1,025			1,719
Commercial real estate			4,183		52		-		-			4,235
Construction, land acquisition and development			-		-		45		-			45
Total real estate			4,753		125		96		1,025			5,999
Commercial and industrial			181		-		23		-			204
Consumer			14		31		16		92			153
State and political subdivisions			-		-		-		-			-
Total non-accrual loans			4,948		156		135		1,117			6,356
Total loans receivable		$	638,412	$	3,086	$	738	$	1,136		$	643,372
The following tables present a distribution of the recorded investment, unpaid principal balance and the related allowance for the Company’s impaired loans, which have been analyzed for impairment under ASC 310, at September 30, 2014 and December 31, 2013. Non-accrual loans, other than TDRs, with aggregate loan relationship balances less than the $100 thousand loan relationship threshold are not evaluated individually for impairment and are accordingly not included in the following tables. However, these loans are evaluated collectively for impairment as homogenous pools in the general allowance under ASC 450. Total non-accrual loans, other than TDRs, with balances less than the $100 thousand loan relationship threshold, that were evaluated under ASC 450 amounted to $1.1 million at both September 30, 2014 and December 31, 2013.
		September 30, 2014
				Unpaid
		Recorded		Principal		Related
(in thousands)		Investment		Balance		Allowance
With no allowance recorded:
Real estate:
Residential real estate		$	715	$	837	$	-
Commercial real estate			4,523		5,101		-
Construction, land acquisition and development			68		68		-
Total real estate			5,306		6,006		-
Commercial and industrial			-		-		-
Consumer			-		-		-
State and political subdivisions			-		-		-
Total impaired loans with no related allowance recorded			5,306		6,006		-
With a related allowance recorded:
Real estate:
Residential real estate			1,868		1,868		6
Commercial real estate			2,085		2,085		341
Construction, land acquisition and development			191		191		1
Total real estate			4,144		4,144		348
Commercial and industrial			-		-		-
Consumer			363		363		1
State and political subdivisions			-		-		-
Total impaired loans with a related allowance recorded			4,507		4,507		349
Total impaired loans:
Real estate:
Residential real estate			2,583		2,705		6
Commercial real estate			6,608		7,186		341
Construction, land acquisition and development			259		259		1
Total real estate			9,450		10,150		348
Commercial and industrial			-		-		-
Consumer			363		363		1
State and political subdivisions			-		-		-
Total impaired loans		$	9,813	$	10,513	$	349
		December 31, 2013
				Unpaid
		Recorded		Principal		Related
(in thousands)		Investment		Balance		Allowance
With no allowance recorded:
Real estate:
Residential real estate		$	1,043	$	1,125	$	-
Commercial real estate			4,060		4,435		-
Construction, land acquisition and development			-		-		-
Total real estate			5,103		5,560		-
Commercial and industrial			-		-		-
Consumer			-		-		-
State and political subdivisions			-		-		-
Total impaired loans with no related allowance recorded			5,103		5,560		-
With a related allowance recorded:
Real estate:
Residential real estate			942		946		12
Commercial real estate			2,566		2,566		296
Construction, land acquisition and development			306		306		1
Total real estate			3,814		3,818		309
Commercial and industrial			-		-		-
Consumer			316		316		1
State and political subdivisions			-		-		-
Total impaired loans with a related allowance recorded			4,130		4,134		310
Total impaired loans:
Real estate:
Residential real estate			1,985		2,071		12
Commercial real estate			6,626		7,001		296
Construction, land acquisition and development			306		306		1
Total real estate			8,917		9,378		309
Commercial and industrial			-		-		-
Consumer			316		316		1
State and political subdivisions			-		-		-
Total impaired loans		$	9,233	$	9,694	$	310
The following table presents the average balance and interest income recognized on impaired loans by loan category for the three and nine months ended September 30, 2014 and 2013:
		Three Months Ended September 30,									Nine Months Ended September 30,
		2014				2013					2014					2013
		Average		Interest		Average		Interest			Average			Interest		Average		Interest
(in thousands)		Balance		Income (1)		Balance		Income (1)			Balance			Income (1)		Balance		Income (1)
Residential real estate		$	2,490	$	25	$	2,061	$	2		$	2,144		$	62	$	2,204	$	6
Commercial real estate			6,628		30		9,767		80			6,613			91		10,503		254
Construction, land acquisition and development			273		4		739		6			293			12		894		22
Total real estate			9,391		59		12,567		88			9,050			165		13,601		282
Commercial and industrial			66		-		-		-			98			-		-		-
Consumer			363		3		-		-			337			8		-		-
State and political subdivisions			-		-		-		-			-			-		-		-
Total impaired loans		$	9,820	$	62	$	12,567	$	88		$	9,485		$	173	$	13,601	$	282
(1) Interest income represents income recognized on performing TDRs.
The additional interest income that would have been earned on non-accrual and restructured loans in accordance with their original terms approximated $100 thousand and $307 thousand for the three and nine months ended September 30, 2014, respectively, and $138 thousand and $457 thousand for the three and nine months ended September 30, 2013, respectively.
Troubled Debt Restructured Loans
TDRs at September 30, 2014 and December 31, 2013 were $9.1 million and $8.1 million, respectively. Accruing and non-accruing TDRs were $5.3 million and $3.8 million, respectively at September 30, 2014 and $4.0 million and $4.1 million, respectively at December 31, 2013. Approximately $349 thousand and $301 thousand in specific reserves have been established for these loans as of September 30, 2014 and December 31, 2013, respectively.
The modification of the terms of such loans included one or a combination of the following: a reduction of the stated interest rate of the loan, an extension of the maturity date, capitalization of real estate taxes, or a permanent reduction of the recorded investment in the loan.
The following tables present the pre- and post- modification recorded investment in loans modified as TDRs by loan category during the three and nine months ended September 30, 2014 and 2013:
			Three Months Ended September 30, 2014						Nine Months Ended September 30, 2014
				Pre-Modification		Post-Modification					Pre-Modification			Post-Modification
			Number	Outstanding		Outstanding		Number			Outstanding			Outstanding
			of	Recorded		Recorded		of			Recorded			Recorded
(in thousands)			Contracts	Investments		Investments		Contracts			Investments			Investments
Troubled debt restructurings:
Residential real estate			6	$	411	$	413		12		$	780		$	862
Commercial real estate			-		-		-		4			238			238
Construction, land acquisition and development			-		-		-		-			-			-
Commercial and industrial			-		-		-		-			-			-
Consumer			-		-		-		2			182			187
Total new troubled debt restructurings			6	$	411	$	413		18		$	1,200		$	1,287
			Three Months Ended September 30, 2013					Nine Months Ended September 30, 2013
				Pre-Modification		Post-Modification				Pre-Modification			Post-Modification
			Number	Outstanding		Outstanding		Number		Outstanding			Outstanding
			of	Recorded		Recorded		of		Recorded			Recorded
(in thousands)			Contracts	Investments		Investments		Contracts		Investments			Investments
Troubled debt restructurings:
Residential real estate			-	$	-	$	-	-		$	-		$	-
Commercial real estate			-		-		-	2			4,561			4,561
Construction, land acquisition and development			-		-		-	-			-			-
Commercial and industrial			-		-		-	-			-			-
Consumer			-		-		-	-			-			-
Total new troubled debt restructurings			-	$	-	$	-	2		$	4,561		$	4,561
The eighteen loans modified as TDRs during the nine months ended September 30, 2014 increased the ALLL by $2 thousand at September 30, 2014.
The following tables present the types of modifications made during the three and nine months ended September 30, 2014 and 2013:
		Three Months Ended September 30, 2014									Nine Months Ended September 30, 2014
		Residential		Commercial							Residential			Commercial
(in thousands)		Real Estate		Real Estate		Consumer		Total			Real Estate			Real Estate		Consumer		Total
Type of modification:
Extension of term		$	148	$	-	$	-	$	148		$	263		$	238	$	135	$	636
Extension of term and capitalization of taxes			40		-		-		40			339			-		52		391
Capitalization of taxes			-		-		-		-			35			-		-		35
Principal Forbearance			225		-		-		225			225			-		-		225
Total modifications		$	413	$	-	$	-	$	413		$	862		$	238	$	187	$	1,287
		Three Months Ended September 30, 2013									Nine Months Ended September 30, 2013
		Residential		Commercial							Residential			Commercial
(in thousands)		Real Estate		Real Estate		Consumer		Total			Real Estate			Real Estate		Consumer		Total
Type of modification:
Principal forebearance		$	-	$	-	$	-	$	-		$	-		$	4,561	$	-	$	4,561
Total modifications		$	-	$	-	$	-	$	-		$	-		$	4,561	$	-	$	4,561
There were no TDRs which re-defaulted (defined as past due 90 days) during the three months ended September 30, 2014 and 2013 and for which the payment re-default occurred within one year of the modification.

Other_Real_Estate_Owned

Other Real Estate Owned	9 Months Ended
	Sep. 30, 2014
OTHER REAL ESTATE OWNED	'
Real Estate Owned [Text Block]	'
	Note 5. Other Real Estate Owned
	The following table presents the composition of OREO at September 30, 2014 and December 31, 2013:
		September 30,		December 31,
	(in thousands)	2014		2013
	Land/lots	$	1,476	$	3,549
	Commercial real estate		1,114		647
	Residential real estate		27		50
	Total other real estate owned	$	2,617	$	4,246
	The following table presents the activity in OREO for the nine months ended September 30, 2014 and 2013:
		Three Months Ended September 30,				Nine Months Ended September 30,
	(in thousands)	2014		2013		2014		2013
	Balance, beginning of period	$	3,182	$	2,778	$	4,246	$	3,983
	Property foreclosures		-		96		13		255
	Bank premises transferred to OREO		-		1,819		1,749		1,819
	Valuation adjustments		-429		-152		-2,199		-257
	Carrying value of OREO sold		-136		-136		-1,192		-1,395
	Balance, end of period	$	2,617	$	4,405	$	2,617	$	4,405
	Due to a change in strategic purpose, the Company transferred the Stroudsburg office from bank premises and equipment to OREO for disposition during the nine months ended September 30, 2014. The deposits and loans of this branch were sold to ESSA Bank and Trust pursuant to a Branch Purchase and Deposit/Loan Assumption Agreement. The Company retained this facility and was initially planning to use it for other bank-related purposes. This property with a carrying value of $1.7 million was written down to its appraised value less cost to sell of $0.8 million at the time of transfer. A valuation adjustment of $0.9 million, included in non-interest expense, was recorded at the time of transfer.
	In the third quarter of 2013, the Company transferred three vacant lots from bank premises and equipment that were previously held for future expansion to OREO. One of the properties was subsequently sold during the nine months ended September 30, 2014. There was no gain or loss realized upon the sale. The Company had one of the properties located in Monroe County, Pennsylvania re-appraised during the third quarter of 2014 due to continued decline in real estate values, which resulted in a valuation adjustment of $0.3 million and is included in non-interest expense for the three months and nine months ended September 30, 2014.
	In addition, four properties that have been held in OREO for a significant amount of time are approaching the regulatory holding period threshold of five years. In an effort to aggressively dispose of these properties, management requested independent appraisals using a liquidation value basis for each of the properties. Accordingly, the Company incurred valuation adjustments to these four properties totaling $0.7 million for the nine months ended September 30, 2014. Valuation adjustments to the carrying value of OREO included in non-interest expense were $0.4 million and $2.2 million for the three months and nine months ended September 30, 2014.
	The following table presents the components of net expense of OREO for the three months and nine months ended September 30, 2014 and 2013:
		Three Months Ended				Nine Months Ended
		September 30,				September 30,
	(in thousands)	2014		2013		2014		2013
	Insurance	$	26	$	70	$	66	$	133
	Legal fees		14		40		38		122
	Maintenance		2		16		17		43
	Professional fees		5		21		83		44
	Real estate taxes		28		25		123		127
	Utilities		4		-		8		9
	Other		6		3		11		59
	Valuation adjustments		429		152		2,199		257
	Total expense		514		327		2,545		794
	Income from the operation of foreclosed properties		-		-9		-50		-26
	Net expense of OREO	$	514	$	318	$	2,495	$	768

Securities

Securities	9 Months Ended
	Sep. 30, 2014
SECURITIES	'
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	'
	Note 6.  Securities
	Securities have been classified as available-for-sale or held-to-maturity in the consolidated financial statements according to management’s intent. The following tables present the amortized cost, gross unrealized gains and losses, and the fair value of the Company’s securities at September 30, 2014 and December 31, 2013:
			September 30, 2014
					Gross		Gross
					Unrealized		Unrealized
			Amortized		Holding		Holding
	(in thousands)		Cost		Gains		Losses		Fair Value
	Available-for-sale:
	Obligations of U.S. government agencies		$	18,885	$	357	$	-	$	19,242
	Obligations of state and political subdivisions			23,450		1,065		10		24,505
	Government-sponsored agency:
	Collateralized mortgage obligations			85,622		304		1,044		84,882
	Residential mortgage-backed securities			87,740		407		760		87,387
	Corporate debt securities			500		-		65		435
	Equity securities			1,010		-		49		961
	Total available-for-sale securities		$	217,207	$	2,133	$	1,928	$	217,412
			December 31, 2013
					Gross		Gross
					Unrealized		Unrealized
			Amortized		Holding		Holding
	(in thousands)		Cost		Gains		Losses		Fair Value
	Available-for-sale:
	Obligations of state and political subdivisions		$	79,488	$	1,422	$	2,856	$	78,054
	Government-sponsored agency:
	Collateralized mortgage obligations			35,906		46		1,153		34,799
	Residential mortgage-backed securities			91,648		98		2,090		89,656
	Corporate debt securities			500		-		93		407
	Equity securities			1,010		-		59		951
	Total available-for-sale securities		$	208,552	$	1,566	$	6,251	$	203,867
	Held-to-maturity:
	Obligations of state and political subdivisions		$	2,308	$	116	$	-	$	2,424
	At September 30, 2014 and December 31, 2013, securities with a carrying amount of $215.9 million and $204.2 million, respectively, were pledged as collateral to secure public deposits and for other purposes.
	The following table presents the amortized cost and approximate fair value of the Company’s available-for-sale debt securities at September 30, 2014 by contractual maturities.  Expected maturities will differ from contractual maturity because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Because collateralized mortgage obligations and residential mortgage-backed securities are not due at a single maturity date, they are not included in the maturity categories in the following maturity summary.
			September 30, 2014
			Available-for-Sale
			Amortized		Fair
	(in thousands)		Cost		Value
	Amounts maturing in:
	One year or less		$	150	$	149
	After one year through five years			-		-
	After five years through ten years			25,980		26,544
	After ten years			16,705		17,489
	Collateralized mortgage obligations			85,622		84,882
	Residential mortgage-backed securities			87,740		87,387
	Total		$	216,197	$	216,451
	Gross proceeds from the sale of available-for-sale securities were $40.0 million and $78.6 million for the three and nine months ended September 30, 2014, respectively, with gross gains of $2.9 million and $5.6 million, respectively realized upon the sales. The Company sold its entire held-to-maturity portfolio consisting of four obligations of states and political subdivisions with an aggregate amortized cost of $2.3 million in January, 2014. Gross proceeds received from the sale of the held-to-maturity portfolio were $2.7 million for the nine months ended September 30, 2014, with gross gains of $0.4 million realized upon the sale. The four securities were zero-coupon bonds of California municipalities. These securities were sold as part of management’s strategy to reduce the amount of potential credit risk within the investment portfolio.
	Gross proceeds from the sale of available-for-sale securities were $10.9 million and $51.1 million for the three and nine months ended September 30, 2013, respectively. Gross realized gains were $0.8 million and $3.0 million for the three and nine months ended September 30, 2013, respectively. There were no gross realized losses for the three months ended September 30, 2013. Gross realized losses were $408 thousand for the nine months ended September 30, 2013.
	The following tables present the number of, fair value and gross unrealized losses of available-for-sale securities with unrealized losses at September 30, 2014 and December 31, 2013, aggregated by investment category and length of time the securities have been in an unrealized loss position.
				September 30, 2014
				Less than 12 Months					12 Months or Greater						Total
				Number			Gross		Number				Gross		Number				Gross
				of	Fair		Unrealized		of		Fair		Unrealized		of		Fair		Unrealized
	(dollars in thousands)			Securities	Value		Losses		Securities		Value		Losses		Securities		Value		Losses
	Obligations of U.S. government agencies			-	$	-	$	-		-	$	-	$	-		-	$	-	$	-
	Obligations of state and policitical subdivisions			-		-		-		3		736		10		3		736		10
	Government-sponsored agency:
	Collateralized mortgage obligations			10		49,973		733		3		8,544		311		13		58,517		1,044
	Residential mortgage-backed securities			2		7,061		54		8		48,689		706		10		55,750		760
	Corporate debt securities			-		-		-		1		435		65		1		435		65
	Equity securities			-		-		-		1		951		49		1		951		49
	Total			12	$	57,034	$	787		16	$	59,355	$	1,141		28	$	116,389	$	1,928
				31-Dec-13
				Less than 12 Months					12 Months or Greater						Total
			Number			Gross		Number				Gross		Number				Gross
			of	Fair		Unrealized		of		Fair		Unrealized		of		Fair		Unrealized
(dollars in thousands)			Securities	Value		Losses		Securities		Value		Losses		Securities		Value		Losses
Obligations of state and policitical subdivisions			58	$	33,835	$	1,837		18	$	4,756	$	1,019		76	$	38,591	$	2,856
Government-sponsored agency:
Collateralized mortgage obligations			11		31,683		1,139		1		833		14		12		32,516		1,153
Residential mortgage-backed securities			13		79,046		1,961		2		7,506		129		15		86,552		2,090
Corporate debt securities			-		-		-		1		407		93		1		407		93
Equity securities			-		-		-		1		941		59		1		941		59
Total			82	$	144,564	$	4,937		23	$	14,443	$	1,314		105	$	159,007	$	6,251
Substantially all of the Company’s securities portfolio is comprised of debt securities, specifically single-maturity bonds of U.S. government agencies, obligations of states and political subdivisions, and residential mortgage-backed securities, including home equity conversion mortgages, and collateralized mortgage obligations (“CMOs”) of U.S. government-sponsored agencies. The Company held 28 securities that were in an unrealized loss position at September 30, 2014, of which 26 securities, or 94.1% of the total unrealized losses, were related to these debt securities.
In determining whether unrealized losses are other-than-temporary, management considers the following factors:
	·	The causes of the decline in fair value, such as credit deterioration, interest rate fluctuations, or market volatility;
	·	The severity and duration of the decline;
	·	Whether or not the Company expects to receive all contractual cash flows;
	·	The Company’s ability and intent to hold the security to allow for recovery in fair value, as well as the likelihood of such a recovery in the near term;
	·	The Company’s intent to sell the security, or if it is more likely than not that the Company will be required to sell the security, before recovery of its amortized cost basis, less any current-period credit loss.
Management performed a review of the fair values of all securities at September 30, 2014 and determined that movements in the values of the securities were consistent with the change in market interest rates. As a result of its review and considering the attributes of these debt securities, the Company concluded that OTTI did not exist at September 30, 2014. To date, the Company has received all scheduled principal and interest payments and expects to fully collect all future contractual principal and interest payments. The Company does not intend to sell the securities nor is it more likely than not that the Company will be required to sell the securities.
Management does not believe that any individual unrealized loss at September 30, 2014 represents OTTI. The unrealized losses reported for residential mortgage-backed securities and CMOs relate entirely to securities issued by GNMA, FHLMC and FNMA that are currently rated AAA or Aaa by Moody’s Investor Services or by Standard & Poor’s, respectively, and are guaranteed by the U.S. government. The obligations of state and political subdivisions are comprised entirely of general-purpose debt obligations. The majority of these obligations have a credit quality rating of A or better and are secured by the unlimited taxing power of the issuer. In addition, the Company utilized a third party to perform an independent credit analysis of its state and political subdivision bonds that were either non-rated or had a rating below A. There was one obligation of a state and political subdivision that had a rating below A at September 30, 2014. According to the independent credit analysis, this bond was considered investment grade at September 30, 2014. In addition, this bond is scheduled to mature by December 31, 2014.
Investments in FHLB and Federal Reserve Bank (“FRB”) stock, which have limited marketability, are carried at cost and totaled $5.7 million and $3.5 million at September 30, 2014 and December 31, 2013, respectively. FRB stock of $1.3 million is included in Other Assets at September 30, 2014 and December 31, 2013. Management noted no indicators of impairment for the FHLB of Pittsburgh and FRB of Philadelphia at September 30, 2014.

Fair_Value_Measurements

Fair Value Measurements	9 Months Ended
	Sep. 30, 2014
FAIR VALUE MEASUREMENTS	'
Fair Value Disclosures [Text Block]	'
	Note 7.   Fair Value Measurements
	In determining fair value, the Company uses various valuation approaches, including market, income and cost approaches. Accounting standards establish a hierarchy for inputs used in measuring fair value that maximizes the use of observable inputs and minimizes the use of unobservable inputs by requiring that observable inputs be used when available. Observable inputs are inputs that market participants would use in pricing the asset or liability, which are developed based on market data obtained from sources independent of the Company. Unobservable inputs reflects the Company’s assumptions about the assumptions the market participants would use in pricing an asset or liability, which are developed based on the best information available in the circumstances.
	The fair value hierarchy gives the highest priority to unadjusted quoted market prices in active markets for identical assets or liabilities (Level 1 measurement) and the lowest priority to unobservable inputs (Level 3 measurement). A financial asset or liability’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. The fair value hierarchy is broken down into three levels based on the reliability of inputs as follows:
		⋅	Level 1 valuation is based upon unadjusted quoted market prices for identical instruments traded in active markets.
		⋅	Level 2 valuation is based upon quoted market prices for similar instruments traded in active markets, quoted market prices for identical or similar instruments traded in markets that are not active and model-based valuation techniques for which all significant assumptions are observable in the market or can be corroborated by market data; and
		⋅	Level 3 valuation is derived from other valuation methodologies including discounted cash flow models and similar techniques that use significant assumptions not observable in the market. These unobservable assumptions reflect estimates of assumptions that market participants would use in determining fair value.
	A description of the valuation methodologies used for assets recorded at fair value, and for estimating fair value of financial instruments not recorded at fair value, is set forth below.
	Cash, Short-term Investments, Accrued Interest Receivable and Accrued Interest Payable
	For these short-term instruments, the carrying amount is a reasonable estimate of fair value.
	Securities
	The estimated fair values of available-for-sale equity securities are determined by obtaining quoted prices on nationally recognized exchanges (Level 1 inputs). The estimated fair values for the Company’s investments in obligations of U.S. government agencies, obligations of state and political subdivisions, government-sponsored agency CMOs, government- sponsored agency residential mortgage-backed securities, and corporate debt securities are obtained by the Company from a nationally-recognized pricing service. This pricing service develops estimated fair values by analyzing like securities and applying available market information through processes such as benchmark curves, benchmarking of like securities, sector groupings and matrix pricing (Level 2 inputs), to prepare valuations. Matrix pricing is a mathematical technique widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities, but rather by relying on the securities’ relationship to other benchmark quoted securities. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things and are based on market data obtained from sources independent from the Company. The Level 2 investments in the Company’s portfolio are priced using those inputs that, based on the analysis prepared by the pricing service, reflect the assumptions that market participants would use to price the assets. The Company has determined that the Level 2 designation is appropriate for these securities because, as with most fixed-income securities, those in the Company’s portfolio are not exchange-traded, and such non-exchange-traded fixed income securities are typically priced by correlation to observed market data. The Company has reviewed the pricing service’s methodology to confirm its understanding that such methodology results in a valuation based on quoted market prices for similar instruments traded in active markets, quoted markets for identical or similar instruments traded in markets that are not active and model-based valuation techniques for which the significant assumptions can be corroborated by market data as appropriate to a Level 2 designation.
	For those securities for which the inputs used by an independent pricing service were derived from unobservable market information, the Company evaluated the appropriateness and quality of each price. The Company reviewed the volume and level of activity for all classes of securities and attempted to identify transactions which may not be orderly or reflective of a significant level of activity and volume. For securities meeting these criteria, the quoted prices received from either market participants or an independent pricing service may be adjusted, as necessary, to estimate fair value (fair values based on Level 3 inputs). If applicable, the adjustment to fair value was derived based on present value cash flow model projections prepared by the Company or obtained from third party providers utilizing assumptions similar to those incorporated by market participants.
	The Company owned one security issued by a state and political subdivision that was valued using level 3 inputs. This security had an amortized cost of $150 thousand and $595 thousand at September 30, 2014 and December 31, 2013, respectively. This security had a credit rating that was either withdrawn or downgraded by nationally recognized credit rating agencies, and as a result the market for these securities was inactive at both September 30, 2014 and December 31, 2013. This security was historically priced using Level 2 inputs. The credit ratings withdrawal and downgrade have resulted in a decline in the level of significant other observable inputs for this investment security at the measurement dates. Broker pricing and bid/ask spreads are very limited for this security. At September 30, 2014 and December 31, 2013, the Company obtained a bid indication from a third-party municipal trading desk to determine the fair value of this security.
	Loans
	Except for collateral dependent impaired loans, fair values of loans are estimated by discounting the projected future cash flows using market discount rates that reflect the credit, liquidity, and interest rate risk inherent in the loan. Projected future cash flows are calculated based upon contractual maturity or call dates, projected repayments and prepayments of principal. The estimated fair value of collateral dependent impaired loans is based on the appraised loan value or other reasonable offers less estimated costs to sell. The Company does not record loans at fair value on a recurring basis. However from time to time, a loan is considered impaired and an allowance for credit losses is established. The specific reserves for collateral dependent impaired loans are based on the fair value of the collateral less estimated costs to sell. The fair value of the collateral is generally based on appraisals. In some cases, adjustments are made to the appraised values due to various factors including age of the appraisal, age of comparables included in the appraisal, and known changes in the market and in the collateral. When significant adjustments are based on unobservable inputs, the resulting fair value measurement is categorized as a Level 3 measurement.
	Loans Held For Sale
	Fair values of mortgage loans held for sale are based on commitments on hand from investors or prevailing market prices.
	Mortgage Servicing Rights
	The fair value of mortgage servicing rights is estimated using a discounted cash flow model that applies current estimated prepayments derived from the mortgage-backed securities market and utilizes a current market discount rate for observable credit spreads. The Company does not record mortgage servicing rights at fair value on a recurring basis.
	Restricted Stock
	Ownership in equity securities of FHLB of Pittsburgh and the FRB is restricted and there is no established market for their resale. The carrying amount is a reasonable estimate of fair value.
	Deposits
	The fair value of demand deposits, savings deposits, and certain money market deposits is the amount payable on demand at the reporting date.  The fair value of fixed-maturity certificates of deposit is estimated based on discounted cash flows using FHLB advance rates currently offered for similar remaining maturities.
	Borrowed funds
	The Company uses discounted cash flows using rates currently available for debt with similar terms and remaining maturities to estimate fair value.
	Commitments to extend credit and standby letters of credit
	The fair value of commitments to extend credit and standby letters of credit are estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. For fixed-rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates. The fair value of off-balance sheet commitments is insignificant and therefore not included in the table for non-recurring assets and liabilities.
	Assets measured at fair value on a recurring basis
	The following tables present financial assets that are measured at fair value on a recurring basis at September 30, 2014 and December 31, 2013, and the fair value hierarchy of the respective valuation technique utilized by the Company to determine the fair value:
			Fair Value Measurements at September 30, 2014
						Quoted Prices			Significant			Significant
						in Active Markets			Observable			Unobservable
						for Identical  Assets			Inputs			Inputs
	(in thousands)		Fair Value			(Level 1)			(Level 2)			(Level 3)
	Available-for-sale securities:
	Obligations of U.S. government agencies		$	19,242		$	-		$	19,242		$	-
	Obligations of state and political subdivisions			24,505			-			24,356			149
	Government-sponsored agency:
	Collateralized mortgage obligations			84,882			-			84,882			-
	Residential mortgage-backed securities			87,387			-			87,387			-
	Corporate debt securities			435			-			435			-
	Equity securities			961			961			-			-
	Total available-for-sale securities		$	217,412		$	961		$	216,302		$	149
			Fair Value Measurements at December 31, 2013
						Quoted Prices			Significant			Significant
						in Active Markets			Observable			Unobservable
						for Identical  Assets			Inputs			Inputs
	(in thousands)		Fair Value			(Level 1)			(Level 2)			(Level 3)
	Available-for-sale securities:
	Obligations of state and political subdivisions		$	78,054		$	-		$	77,483		$	571
	Government-sponsored agency:
	Collateralized mortgage obligations			34,799			-			34,799			-
	Residential mortgage-backed securities			89,656			-			89,656			-
	Corporate debt securities			407			-			407			-
	Equity securities			951			951			-			-
	Total available-for-sale securities		$	203,867		$	951		$	202,345		$	571
	The following table presents a reconciliation and statement of operations classifications of gains and losses for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3), which consisted entirely of obligations of states and political subdivisions, for the three and nine month periods ended September 30, 2014 and 2013:
	Fair Value Measurements
	Using Significant Unobservable Inputs (Level 3)
			Three Months Ended						Nine Months Ended
			September 30,						September 30,
	(in thousands)		2014			2013			2014			2013
	Balance, beginning of period		$	294		$	845		$	571		$	1,739
Amortization			-			-			-			-
Accretion			-			-			-			-
Principal payments received			-150			-140			-445			-425
Sales			-			-			-			-622
Total gains or losses (realized/unrealized):
Included in earnings			-			-			-			2
Included in other comprehensive income			5			5			23			16
Balance, end of period		$	149		$	710		$	149		$	710
There were no transfers between levels within the fair value hierarchy during the three and nine months ended September 30, 2014 and 2013.
Assets measured at fair value on a non-recurring basis
The following tables present assets that are measured at fair value on a non-recurring basis at September 30, 2014 and December 31, 2013, and the fair value hierarchy of the respective valuation technique utilized by the Company to determine fair value:
		Fair Value Measurements at September 30, 2014
					Quoted Prices			Significant			Significant
					in Active Markets			Observable			Unobservable
					for Identical  Assets			Inputs			Inputs
(in thousands)		Fair Value (1)			(Level 1)			(Level 2)			(Level 3)
Collateral-dependent impaired loans		$	5,399		$	-		$	-		$	5,399
Other real estate owned		$	2,450		$	-		$	-		$	2,450
		Fair Value Measurements at December 31, 2013
					Quoted Prices			Significant			Significant
					in Active Markets			Observable			Unobservable
					for Identical  Assets			Inputs			Inputs
(in thousands)		Fair Value (1)			(Level 1)			(Level 2)			(Level 3)
Collateral-dependent impaired loans		$	5,229		$	-		$	-		$	5,229
Other real estate owned		$	3,931		$	-		$	-		$	3,931
_______________________________________
	-1	Represents carrying value and related write-downs for which adjustments are based on appraised value. Management makes adjustments to the appraised values as necessary to consider declines in real estate values since the time of the appraisal. Such adjustments are based on management’s knowledge of the local real estate markets.
Collateral-dependent impaired loans are classified as Level 3 assets and the estimated fair value of the collateral is based on the appraised value or other reasonable offers less estimated costs to sell. When the measure of the impaired loan is less than the recorded investment in the loan, the impairment is recorded through a valuation allowance or is charged off. The amount shown is the balance of impaired loans, net of any charge-offs and the related allowance for loan losses.
OREO properties are recorded at fair value less the estimated cost to sell at the date of the Company’s acquisition of the property. Subsequent to the Company’s acquisition, the balance may be written down further. It is the Company’s policy to obtain certified external appraisals of real estate collateral underlying impaired loans and OREO, and estimate fair value using those appraisals. Other valuation sources may be used, including broker price opinions, letters of intent and executed sale agreements.
The Company discloses fair value information about financial instruments, whether or not recognized in the Statement of Financial Condition, for which it is practicable to estimate that value. The following estimated fair value amounts have been determined by the Company using available market information and appropriate valuation methodologies. However, management judgment is required to interpret data and develop fair value estimates. Accordingly, the estimates below are not necessarily indicative of the amounts the Company could realize in a current market exchange. The use of different market assumptions and/or estimation methodologies may have a material effect on the estimated fair value amounts.
The following table presents the carrying values and estimated fair values of the Company’s financial instruments at September 30, 2014 and at December 31, 2013:
		Fair Value		September 30, 2014						December 31, 2013
(in thousands)		Measurement		Carrying Value			Fair Value			Carrying Value			Fair Value
Financial assets:
Cash and cash equivalents		Level 1		$	39,993		$	39,993		$	103,556		$	103,556
Securities available for sale		See previous table			217,412			217,412			203,867			203,867
Securities held to maturity		Level 2			-			-			2,308			2,424
FHLB and FRB Stock		Level 2			5,706			5,706			3,496			3,496
Loans held for sale		Level 2			171			171			820			820
Loans, net		Level 3			666,262			666,879			629,880			632,536
Accrued interest receivable		Level 2			2,158			2,158			2,191			2,191
Mortgage servicing rights		Level 3			381			961			529			990
Financial liabilities:
Deposits		Level 2			803,196			804,688			884,698			887,056
Borrowed funds		Level 2			104,096			107,476			62,433			65,642
Accrued interest payable		Level 2			10,515			10,515			8,732			8,732

Earnings_per_Share

Earnings per Share	9 Months Ended
	Sep. 30, 2014
EARNINGS PER SHARE	'
Earnings Per Share [Text Block]	'
	Note 8.  Earnings per Share
	For the Company, the numerator of both the basic and diluted earnings per common share is net income available to common shareholders (which is equal to net income less dividends on preferred stock and related discount accretion). The weighted average number of common shares outstanding used in the denominator for basic earnings per common share is increased to determine the denominator used for diluted earnings per common share by the effect of potentially dilutive common share equivalents utilizing the treasury stock method. For the Company, common share equivalents are outstanding stock options to purchase the Company’s common shares and unvested restricted stock.
	The following table presents the calculation of both basic and diluted earnings per common share for the three and nine months ended September 30, 2014 and 2013:
		Three Months Ended				Nine Months Ended
		September 30,				September 30,
	(in thousands, except share data)	2014		2013		2014		2013
	Net income	$	3,358	$	1,887	$	13,451	$	4,338
	Basic weighted-average number of common shares outstanding		16,471,569		16,457,169		16,471,569		16,457,169
	Plus: common share equivalents		-		-		282		-
	Diluted weighted-average number of common shares outstanding		16,471,569		16,457,169		16,471,851		16,457,169
	Income per common share:
	Basic	$	0.2	$	0.11	$	0.82	$	0.26
	Diluted	$	0.2	$	0.11	$	0.82	$	0.26
	For the nine months ended September 30, 2014, common share equivalents in the table above are related entirely to the incremental shares of unvested restricted stock. Stock options of 73,276 and 114,348, respectively for the nine months ended September 30, 2014 and 2013 were excluded from common share equivalents. The exercise prices of stock options exceeded the average market price of the Company’s common shares during the periods presented. Similarly, the weighted-average stock price for the Company’s common stock for the three months ended September 30, 2014 exceeded the fair market value of the restricted stock at the date of grant, therefore, inclusion of these common share equivalents would be anti-dilutive to the diluted earnings per common share calculation.

Other_Comprehensive_Income_Los

Other Comprehensive Income (Loss)	9 Months Ended
	Sep. 30, 2014
Equity [Abstract]	'
Comprehensive Income (Loss) Note [Text Block]	'
	Note 9. Other Comprehensive Income (Loss)
	The following tables summarize the reclassifications out of accumulated other comprehensive income (loss) for the three and nine months ended September 30, 2014 and 2013:
		Three Months Ended September 30, 2014				Nine Months Ended September 30, 2014
		Amount				Amount
		Reclassified from				Reclassified from
		Accumulated				Accumulated
		Other		Affected Line Item		Other			Affected Line Item
		Comprehensive		in the Consolidated		Comprehensive			in the Consolidated
	(in thousands)	Income (Loss)		Statements of Operations		Income (Loss)			Statements of Operations
	Available-for-sale securities:
	Reclassification adjustment for net gains reclassified into net income	$	-2,958	Net gain on sale of securities		$	-5,638		Net gain on sale of securities
	Taxes		1,006	Income taxes			1,917		Income taxes
	Net of tax amount	$	-1,952			$	-3,721
		Three Months Ended September 30, 2013				Nine Months Ended September 30, 2013
		Amount				Amount
		Reclassified from				Reclassified from
		Accumulated				Accumulated
		Other		Affected Line Item		Other			Affected Line Item
		Comprehensive		in the Consolidated		Comprehensive			in the Consolidated
	(in thousands)	Income (Loss)		Statements of Operations		Income (Loss)			Statements of Operations
	Available-for-sale securities:
	Reclassification adjustment for net gains reclassified into net income	$	-817	Net gain on sale of securities		$	-2,558		Net gain on sale of securities
	Taxes		278	Income taxes			870		Income taxes
	Net of tax amount	$	-539			$	-1,688
	The following table summarizes the changes in accumulated other comprehensive income (loss), net of tax for the three and nine months ended September 30, 2014 and 2013:
		Three Months Ended					Nine Months Ended
		September 30,					September 30,
	(in thousands)	2014		2013			2014			2013
	Balance, beginning of period	$	2,406	$	-1,142		$	-3,092		$	6,698
	Other comprehensive (loss) income before reclassifications		-319		-87			6,948			-6,778
	Amounts reclassified from accumulated other comprehensive income (loss)		-1,952		-539			-3,721			-1,688
	Net other comprehensive (loss) income during the period		-2,271		-626			3,227			-8,466
	Balance, end of period	$	135	$	-1,768		$	135		$	-1,768

Related_Party_Transactions

Related Party Transactions	9 Months Ended
	Sep. 30, 2014
RELATED PARTY TRANSACTIONS	'
Related Party Transactions Disclosure [Text Block]	'
	Note 10. Related Party Transactions
	The Company and the Bank have engaged in, and intend to continue to engage in, banking and financial transactions in the conduct of its business with directors and the executive officers of the Company and the Bank and their related parties.
	The Bank has granted loans, letters of credit and lines of credit to directors, executive officers and their related parties. During the nine months ended September 30, 2014, the Company appointed two additional directors to the board. The following table summarizes the changes in the gross amounts of such outstanding loans, advances under lines of credit as well as repayments during the three months and nine months ended September 30, 2014 and 2013:
		For the Three Months Ended				For the Nine Months Ended
		September 30,				September 30,
	(in thousands)	2014		2013		2014		2013
	Balance, beginning of period	$	34,152	$	35,366	$	32,506	$	33,296
	Additions, new loans and advances		30,788		11,239		62,683		38,669
	Repayments		-18,382		-13,646		-48,631		-38,750
	Other (1)		-248		-		-248		-256
	Balance, end of period	$	46,310	$	32,959	$	46,310	$	32,959
	_______________________________________________________________________
	(1)           Represents loans to related parties that ceased being related parties during the period.
	At September 30, 2014 there was one loan to a related party in the amount of $90 thousand which was not performing in accordance with the terms of the loan agreement.
	Included in related party loans is a commercial line of credit with a company owned by a director with a total aggregate balance of $9.6 million at September 30, 2014. The Company also sold a participation interest in this line to the same director in the amount of $5.2 million, of which $3.8 million was outstanding at September 30, 2014. The Bank receives a 25 basis point annual servicing fee from this director on the participation balance.
	Deposits from directors, executive officers and their related parties held by the Bank at September 30, 2014 and December 31, 2013 amounted to $78.1 million and $115.5 million, respectively. Interest paid on the deposits amounted to $69 thousand and $55 thousand for the nine months ended September 30, 2014 and 2013, respectively.
	In the course of its operations, the Company acquires goods and services from and transacts business with various companies affiliated with related parties. The Company believes these transactions were made on the same terms as those for comparable transactions with unrelated parties. The Company recorded payments to related parties for these services of $1.2 million and $2.2 million, respectively, for the three and nine months ended September 30, 2014, and $0.9 million and $2.4 million for the respective periods of 2013.
	Subordinated notes held by officers and directors and/or their related parties totaled $9.0 million at September 30, 2014 and $10.0 million at December 31, 2013. During the third quarter of 2014, one of the Company’s directors, Joseph J. Gentile, passed away and is no longer considered a related party. Mr. Gentile held $1.0 million in the Company’s subordinated notes. There was no interest paid to directors on these notes for the nine months ended September 30, 2014 and 2013. Interest expense recorded on subordinated notes to directors amounted to $0.2 million and $0.7 million for the three and nine months ended September 30, 2014, and $0.2 million and $0.7 million for the respective periods of 2013. Interest accrued and unpaid on loans to directors totaled $3.9 million at September 30, 2014.

Stock_Compensation_Plans

Stock Compensation Plans	9 Months Ended
	Sep. 30, 2014
STOCK COMPENSATION PLANS	'
Disclosure of Compensation Related Costs, Share-based Payments [Text Block]	'
	Note 11. Stock Compensation Plans
	On August 30, 2000, the Company’s Board adopted the 2000 Employee Stock Incentive Plan (the “Stock Incentive Plan”) in which options may be granted to key officers and other employees of the Company. The aggregate number of shares which may be issued upon exercise of the options under the plan cannot exceed 1,100,000 shares. Options and rights granted under the Stock Incentive Plan become exercisable six months after the date the options are awarded and expire ten years after the award date. Upon exercise, the shares are issued from the Company’s authorized but unissued stock. The Stock Incentive Plan expired on August 30, 2010. Therefore, no further grants will be made under the plan.
	The Board also adopted on August 30, 2000, the 2000 Independent Directors Stock Option Plan (the “Directors’ Stock Plan”) for directors who are not officers or employees of the Company. The aggregate number of shares issuable under the Directors’ Stock Plan cannot exceed 550,000 shares and are exercisable six months from the date the awards are granted and expire three years after the award date. Upon exercise, the shares are issued from the Company’s authorized but unissued shares. The Directors’ Stock Plan expired on August 30, 2010, therefore, no further grants will be made under the plan.
	No compensation expense related to options under either the Stock Incentive Plan or the Directors’ Stock Plan was required to be recorded in the nine months ended September 30, 2014 and 2013.
	The following table summarizes the activity related to the Company’s stock option plans for the nine months ended September 30, 2014 and 2013:
		Nine Months Ended September 30,
		2014			2013
			Weighted			Weighted
			Average			Average
			Exercise			Exercise
		Shares	Price		Shares	Price
	Outstanding at January 1,	82,598	$	15.98	129,170	$	14.26
	Granted	-		-	-		-
	Exercised	-		-	-		-
	Forfeited	-9,322		16.05	-14,822		13.81
	Outstanding at September 30,	73,276	$	15.97	114,348	$	14.32
	Options exercisable at September 30,	73,276	$	15.97	114,348	$	14.32
	Weighted average fair value of options granted during the period		$	-		$	-
	Stock-based compensation expense		$	-		$	-
	At September 30, 2014 and 2013 the exercisable options had no total intrinsic value and there was no unrecognized compensation expense.
	The following table presents information pertaining to options outstanding at September 30, 2014:
			Options Outstanding					Options Excercisable
					Weighted
					Average	Weighted			Weighted
					Remaining	Average			Average
			Number		Contractual	Exercise		Number	Exercise
	Range of Exercise Price		Outstanding		Life	Price		Exercisable	Price
		$10.81 - $23.13	73,276		2.8	$	15.97	73,276	$	15.97
	On November 28, 2012, the Board of Directors adopted the 2012 Employee Stock Grant Plan (the “2012 Stock Grant Plan”) under which shares of common stock not to exceed 16,000 were authorized to be granted to employees. On December 17, 2012, the Company granted 50 shares of the Company’s common stock to each active full and part time employee. There were 15,050 shares granted under the 2012 Stock Grant Plan at a fair value of $3.05 per share. On November 27, 2013, the Board of Directors adopted the 2013 Employee Stock Grant Plan (the “2013 Stock Grant Plan”) under which shares of common stock not to exceed 15,000 were authorized to be granted to employees. On December 2, 2013, the Company granted 50 shares of the Company’s common stock to each active full and part time employee. There were 14,400 shares granted under the 2013 Stock Grant Plan at a fair value of $4.26 per share. The total cost of these grants, which was included in salary expense in the Consolidated Statements of Operations, amounted to $61 thousand and $46 thousand for the years ended December 31, 2013 and 2012, respectively. No additional shares were granted under either plan. On October 29, 2014, the Board of Directors adopted a 2014 Employee Stock Grant Plan (the “2014 Stock Grant Plan”) under which shares of common stock not to exceed 13,500 were authorized to be granted to employees. The Company has not granted any shares under the 2014 Stock Grant Plan.
	The Board of Directors, upon the recommendation of the Compensation Committee, formally adopted a Long-Term Incentive Compensation Plan (“LTIP”) on October 23, 2013. The LTIP was ratified at the 2013 Annual Shareholders Meeting on December 23, 2013. The LTIP is designed to reward executives and key employees for their contributions to the long-term success of the Company, primarily as measured by the increase in the Company’s stock price. The LTIP authorizes up to 1,200,000 shares of common stock for issuance and provides the Board with the authority to offer several different types of long-term incentives, including stock options, stock appreciation rights, restricted stock, restricted stock units, performance units and performance shares. The Board approved initial awards under the terms of the LTIP, which were granted to executives and key employees on March 1, 2014. The initial grant was comprised solely of 45,750 shares of restricted stock. At September 30, 2014, there were 1,154,250 shares of common stock available for award under the LTIP. For the nine months ended September 30, 2014, stock-based compensation expense totaled $65 thousand and was included in salaries and employee benefits expense in the Consolidated Statements of Operations. Total unrecognized compensation expense related to unvested restricted stock awards at September 30, 2014 was $242 thousand.
	The following table summarizes the activity related to the Company’s unvested restricted stock awards during the nine months ended September 30, 2014:
		Nine Months Ended September 30,
		2014
			Weighted-
			Average
		Restricted	Grant Date
		Shares	Fair Value
	Unvested unrestricted stock awards at January 1,	-	$	-
	Awards granted	45,750		6.7
	Forfeitures	-		-
	Vestings	-		-
	Unvested unrestricted stock awards at September 30,	45,750	$	6.7

Income_taxes

Income taxes	9 Months Ended
	Sep. 30, 2014
Income Tax Disclosure [Abstract]	'
Income Tax Disclosure [Text Block]	'
	Note 12. Income taxes
	The determination of the amount of deferred income taxes which are more likely than not to be realized is primarily dependent on projections of future earnings, which are subject to uncertainty and estimates that may change in response to economic conditions and other factors. A valuation allowance related to deferred tax assets is required when it is considered more likely than not that all or part of the benefit related to such assets will not be realized. The Company’s deferred tax position has been affected by several significant transactions that occurred in prior years. These transactions included the provision for loan losses, the level of non-accrual loans, valuation of other real estate owned and other-than-temporary impairment losses incurred on certain available-for-sale securities, and resulted in the Company being in a cumulative deficit position since 2009. Accordingly, under applicable accounting guidance, the Company established a full valuation allowance for its net deferred tax assets. At September 30, 2014 and December 31, 2013, the Company had established valuations allowances related to net deferred tax assets of $30.5 million and $34.1 million, respectively.
	Management has reviewed the deferred tax positions of the Company at September 30, 2014. The valuation allowance is analyzed quarterly for changes affecting deferred tax assets. The Company reported taxable income for the third quarter of 2014, which was the seventh consecutive profitable quarter. However, based on current accounting guidance, the Company has not generated taxable income for a sufficient length of time in order to reverse the deferred tax asset valuation allowance. In the future, when the Company has generated taxable income on a more sustained basis, management’s conclusion regarding the need for a deferred tax asset valuation allowance could change, resulting in the reversal of all or a portion of the deferred tax asset valuation allowance.
	For the three months and nine months ended September 30, 2014, the Company recorded income tax expense of $166 thousand and $326 thousand, which was entirely related to alternative minimum tax.

Contingencies

Contingencies	9 Months Ended
	Sep. 30, 2014
Commitments and Contingencies Disclosure [Abstract]	'
Commitments and Contingencies Disclosure [Text Block]	'
	Note 13. Contingencies
	On August 8, 2011, the Company announced that it had received document subpoenas from the SEC.  The information requested generally relates to disclosure and financial reporting by the Company and the restatement of the Company’s financial statements for the year ended December 31, 2009, and the quarters ended March 31, 2010 and June 30, 2010. The Company is presently cooperating with the SEC in this matter. Discussions have been conducted between the Company and the SEC seeking to resolve issues related to disclosure and financial reporting and the restatements of the Company’s financial statements for the year ended December 31, 2009 and the quarters ended March 31, 2010 and June 30, 2010. There can be no assurance that these discussions will lead to the resolution of the issues in a matter acceptable to the Company.
	On May 24, 2012, a putative shareholder filed a complaint in the Court of Common Pleas for Lackawanna County (“Shareholder Derivative Suit”) against certain present and former directors and officers of the Company (the “Individual Defendants”) alleging, inter alia, breach of fiduciary duty, abuse of control, corporate waste, and unjust enrichment. The Company was named as a nominal defendant. The parties to the Shareholder Derivative Suit commenced settlement discussions and on December 18, 2013, the Court entered an Order Granting Preliminary Approval of Proposed Settlement subject to notice to shareholders. On February 4, 2014, the Court issued a Final Order and Judgment for the matter granting approval of a Stipulation of Settlement (the “Settlement”) and dismissing all claims against the Company and the Individual Defendants. As part of the Settlement, there was no admission of liability by the Individual Defendants. Pursuant to the Settlement, the Individual Defendants, without admitting any fault, wrongdoing or liability, agreed to settle the derivative litigation for $5.0 million. The $5.0 million Settlement payment was made to the Company on March 28, 2014. The Individual Defendants reserved their rights to indemnification under the Company’s Articles of Incorporation and Bylaws, resolutions adopted by the Board, the Pennsylvania Business Corporation Law and any and all rights they have against the Company’s and the Bank’s insurance carriers. In accordance, the Company had recorded a liability for this indemnification in other liabilities. In addition, in conjunction with the Settlement, the Company accrued $2.5 million related to fees and costs of the plaintiff’s attorneys, which was included in non-interest expense in the consolidated statements of operations for the year ended December 31, 2013. On April 1, 2014, the Company paid the $2.5 million related to fees and costs of the plaintiff’s attorneys and partial indemnification of the Individual Defendants in the amount of $2.5 million, and as such, as of September 30, 2014 $2.5 million remains accrued in other liabilities related to the potential indemnification of the Individual Defendants. The Company settled any and all claims it had or may have had against Demetrius & Company, LLC, John Demetrius and Robert L. Rossi & Company in connection with the Shareholder Derivative Suit.
	On September 5, 2012, Fidelity and Deposit Company of Maryland (“F&D”) filed an action against the Company and its subsidiary, First National Community Bank, as well as several current and former officers and directors of the Company, in the United States District Court for the Middle District of Pennsylvania. F&D has asserted a claim for the rescission of a directors’ and officers’ insurance policy and a bond that it had issued to the Company. On November 9, 2012, the Company and the Bank answered the claim and asserted counterclaims for the losses and expenses already incurred by the Company and the Bank. The Company and the other defendants are defending the claims and have opposed F&D’s requested relief by way of counterclaims, breaches of contract and bad faith claims against F&D for its failure to fulfill its obligations to the Company and the Bank under the insurance policy. At this time, the matter is in the discovery stage and the Company cannot reasonably determine the outcome or potential range of loss in connection with this matter.
	On August 13, 2013, Steven Antonik, individually, as Administrator of the Estate of Linda Kluska, William R. Howells, and Louise A. Howells, on behalf of themselves and others similarly situated, filed a consumer protection class action against the Company and Bank in the Lackawanna County Court of Common Pleas, seeking equitable, injunction and monetary relief to address an alleged pattern and practice of wrong doing by the Bank relating to the repossession and sale of the Plaintiffs’ and class members’ financed motor vehicles.  This matter is in the discovery stage.  At this time the Company cannot reasonably determine the outcome or potential range of loss.
	On September 17, 2013, Charles Saxe, III individually and on behalf of all others similarly situated filed a consumer class action against the Bank in the Lackawanna County Court of Common Pleas alleging violations of the Pennsylvania Uniform Commercial Code in connection with the repossession and resale of financed vehicles.  This matter is in the discovery stage.  At this time the Company cannot reasonably determine the outcome or potential range of loss.
	The Company has been subject to tax audits and is also a party to routine litigation involving various aspects of its business, such as claims to enforce liens, condemnation proceedings on properties in which the Company holds security interests, claims involving the making and servicing of real property loans and other issues incident to its business, none of which is expected to have a material adverse impact on the consolidated financial condition, results of operations or liquidity of the Company.

Regulatory_Matters_Tables

Regulatory Matters (Tables)	9 Months Ended
	Sep. 30, 2014
REGULATORY MATTERS	'
Schedule of the entity's actual capital position and ratios	'
	The Company’s and the Bank’s actual capital positions, risk-weighted assets, and total average assets for the Tier I leverage ratio at September 30, 2014 and December 31, 2013 are presented in the following table:
	Capital Analysis
		September 30,		December 31,
	(in thousands)	2014		2013
	Company
	Tier I capital:
	Total tier I capital	$	59,810	$	46,165
	Tier II capital:
	Subordinated notes		25,000		23,085
	Allowable portion of allowance for loan losses		8,703		8,462
	Total tier II capital		33,703		31,547
	Total risk-based capital	$	93,513	$	77,712
	Total risk-weighted assets	$	692,693	$	670,894
	Total average assets (for Tier I leverage ratio)	$	965,740	$	980,754
	Bank
	Tier I capital:
	Total tier I capital	$	97,096	$	81,581
	Tier II capital:
	Allowable portion of allowance for loan losses		8,698		8,456
	Total tier II capital		8,698		8,456
	Total risk-based capital	$	105,794	$	90,037
	Total risk-weighted assets	$	692,314	$	670,416
	Total average assets (for Tier I leverage ratio)	$	965,709	$	980,747
Schedule of risk-based capital and select other capital ratios	'
	The following tables present summary information regarding the Company’s and the Bank’s risk-based capital and related ratios at September 30, 2014 and December 31, 2013:
											To Be Well
											Capitalized
											Under Prompt
							For Capital				Corrective
		Actual					Adequacy Purposes				Action Provision
	(dollars in thousands)	Amount			Ratio		Amount		Ratio		Amount		Ratio
	30-Sep-14
	Total capital (to risk-weighted assets)
	Company	$	93,513		13.5	%	$	>55,415	>8.00	%		N/A	N/A
	Bank	$	105,794		15.28	%	$	>55,385	>8.00	%	$	>69,231	>10.00	%
	Tier I capital (to risk-weighted assets)
	Company	$	59,810		8.63	%	$	>27,708	>4.00	%		N/A	N/A
	Bank	$	97,096		14.02	%	$	>27,693	>4.00	%	$	>41,539	>6.00	%
	Tier I capital (to average assets)
	Company	$	59,810		6.19	%	$	>38,630	>4.00	%		N/A	N/A
	Bank	$	97,096		10.05	%	$	>38,628	>4.00	%	$	>48,285	>5.00	%
											To Be Well
											Capitalized
											Under Prompt
							For Capital				Corrective
		Actual					Adequacy Purposes				Action Provision
	(dollars in thousands)	Amount			Ratio		Amount		Ratio		Amount		Ratio
	31-Dec-13
	Total capital (to risk-weighted assets)
	Company	$	77,712		11.58	%	$	>53,672	>8.00	%		N/A	N/A
	Bank	$	90,037		13.43	%	$	>53,633	>8.00	%	$	>67,042	>10.00	%
	Tier I capital (to risk-weighted assets)
	Company	$	46,165		6.88	%	$	>26,836	>4.00	%		N/A	N/A
	Bank	$	81,581		12.17	%	$	>26,817	>4.00	%	$	>40,225	>6.00	%
	Tier I capital (to average assets)
	Company	$	46,165		4.71	%	$	>39,230	>4.00	%		N/A	N/A
	Bank	$	81,581		8.32	%	$	>39,230	>4.00	%	$	>49,038	>5.00	%

Loans_Tables

Loans (Tables)	9 Months Ended
	Sep. 30, 2014
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	'
	The following table summarizes loans receivable, net, by category at September 30, 2014 and December 31, 2013:
		September 30,		December 31,
	(in thousands)	2014		2013
	Residential real estate	$	124,375	$	114,925
	Commercial real estate		237,437		218,524
	Construction, land acquisition and development		17,561		24,382
	Commercial and industrial		135,283		127,021
	Consumer		122,573		118,645
	State and political subdivisions		40,210		39,875
	Total loans, gross		677,439		643,372
	Unearned income		-115		-143
	Net deferred loan fees and costs		836		668
	Allowance for loan and lease losses		-11,898		-14,017
	Loans, net	$	666,262	$	629,880
Allowance for Credit Losses on Financing Receivables [Table Text Block]	'
	The following table summarizes the activity in the ALLL by loan category for the three and nine months ended September 30, 2014 and 2013:
		Real Estate
						Construction,
						Land								State and
		Residential		Commercial		Acquisition and		Commercial						Political
	(in thousands)	Real Estate		Real Estate		Development		and Industrial			Consumer			Subdivisions		Total
	Three months ended September 30, 2014:
	Allowance for loan losses:
	Beginning balance, July 1, 2014	$	2,112	$	5,133	$	923	$	1,758		$	1,681		$	568	$	12,175
	Charge-offs		-67		-		-		-22			-270			-		-359
	Recoveries		9		-		-		69			58			-		136
	Provisions (credits)		-307		128		-148		-			258			15		-54
	Ending balance, September 30, 2014	$	1,747	$	5,261	$	775	$	1,805		$	1,727		$	583	$	11,898
	Three months ended September 30, 2013:
	Allowance for loan losses:
	Beginning balance, July 1, 2013	$	2,145	$	7,823	$	2,390	$	3,487		$	1,760		$	983	$	18,588
	Charge-offs		-98		-		-65		-116			-74			-		-353
	Recoveries		9		362		5		71			95			-		542
	Provisions (credits)		215		-869		-141		-225			105			-244		-1,159
	Ending balance, September 30, 2013	$	2,271	$	7,316	$	2,189	$	3,217		$	1,886		$	739	$	17,618
	Nine months ended September 30, 2014:
	Allowance for loan losses:
	Beginning balance, January 1, 2014	$	2,287	$	6,017	$	924	$	2,321		$	1,789		$	679	$	14,017
	Charge-offs		-152		-		-		-172			-637			-		-961
	Recoveries		79		355		3,539		195			303			-		4,471
	Provisions (credits)		-467		-1,111		-3,688		-539			272			-96		-5,629
	Ending balance, September 30, 2014	$	1,747	$	5,261	$	775	$	1,805		$	1,727		$	583	$	11,898
	Nine months ended September 30, 2013:
	Allowance for loan losses:
	Beginning balance, January 1, 2013	$	1,764	$	8,062	$	2,162	$	4,167		$	1,708		$	673	$	18,536
	Charge-offs		-445		-48		-175		-244			-433			-		-1,345
	Recoveries		190		471		124		1,656			371			-		2,812
	Provisions (credits)		762		-1,169		78		-2,362			240			66		-2,385
	Ending balance, September 30, 2013	$	2,271	$	7,316	$	2,189	$	3,217		$	1,886		$	739	$	17,618
Schedule Of Allowance For Credit Losses On Financing Receivables By Loan Portfolio Segment [Table Text Block]	'
	The following table presents the allocation of the ALLL and the related loan balance disaggregated based on the impairment methodology for each loan category at September 30, 2014 and December 31, 2013:
		Real Estate
						Construction,
						Land								State and
		Residential		Commercial		Acquisition and		Commercial						Political
	(in thousands)	Real Estate		Real Estate		Development		and Industrial			Consumer			Subdivisions		Total
	30-Sep-14
	Allowance for loan losses:
	Individually evaluated for impairment	$	6	$	341	$	1	$	-		$	1		$	-	$	349
	Collectively evaluated for impairment		1,741		4,920		774		1,805			1,726			583		11,549
	Total	$	1,747	$	5,261	$	775	$	1,805		$	1,727		$	583	$	11,898
	Loans receivable:
	Individually evaluated for impairment	$	2,583	$	6,608	$	259	$	-		$	363		$	-	$	9,813
	Collectively evaluated for impairment		121,792		230,829		17,302		135,283			122,210			40,210		667,626
	Total	$	124,375	$	237,437	$	17,561	$	135,283		$	122,573		$	40,210	$	677,439
	31-Dec-13
	Allowance for loan losses:
	Individually evaluated for impairment	$	12	$	296	$	1	$	-		$	1		$	-	$	310
	Collectively evaluated for impairment		2,275		5,721		923		2,321			1,788			679		13,707
	Total	$	2,287	$	6,017	$	924	$	2,321		$	1,789		$	679	$	14,017
	Loans receivable:
	Individually evaluated for impairment	$	1,985	$	6,626	$	306	$	-		$	316		$	-	$	9,233
	Collectively evaluated for impairment		112,940		211,898		24,076		127,021			118,329			39,875		634,139
	Total	$	114,925	$	218,524	$	24,382	$	127,021		$	118,645		$	39,875	$	643,372
Financing Receivable Credit Quality Indicators [Table Text Block]	'
	The following tables present the recorded investment in loans receivable by loan category and credit quality indicator at September 30, 2014 and December 31, 2013:
	Commercial Credit Quality Indicators
	September 30, 2014
		Real Estate
						Construction,
						Land								State and
		Residential		Commercial		Acquisition and		Commercial and						Political
	(in thousands)	Real Estate		Real Estate		Development		Industrial			Consumer			Subdivisions		Total
	Internal risk rating
	Pass	$	21,865	$	207,322	$	9,053	$	125,170		$	3,302		$	38,556	$	405,268
	Special mention		453		16,445		1,625		2,098			-			1,026		21,647
	Substandard		1,201		13,670		5,616		2,534			127			628		23,776
	Doubtful		-		-		-		-			-			-		-
	Loss		-		-		-		-			-			-		-
	Total	$	23,519	$	237,437	$	16,294	$	129,802		$	3,429		$	40,210	$	450,691
	Commercial Credit Quality Indicators
	December 31, 2013
		Real Estate
						Construction,
						Land								State and
		Residential		Commercial		Acquisition and		Commercial and						Political
	(in thousands)	Real Estate		Real Estate		Development		Industrial			Consumer			Subdivisions		Total
	Internal risk rating
	Pass	$	19,050	$	191,601	$	13,781	$	113,048		$	2,546		$	39,151	$	379,177
	Special mention		869		12,568		1,361		3,777			-			-		18,575
	Substandard		1,347		14,355		6,168		4,525			157			724		27,276
	Doubtful		-		-		-		-			-			-		-
	Loss		-		-		-		-			-			-		-
	Total	$	21,266	$	218,524	$	21,310	$	121,350		$	2,703		$	39,875	$	425,028
	The following tables present the recorded investment in residential real estate loans, residential construction, land acquisition and development loans, commercial indirect auto loans, and consumer loans based on payment activity at September 30, 2014 and December 31, 2013:
		September 30, 2014
		Accruing		Non-Accruing
	(in thousands)	Loans		Loans		Total
	Residential real estate	$	99,912	$	944	$	100,856
	Construction, land acquisition and development - residential		1,267		-		1,267
	Commercial - indirect auto		5,481		-		5,481
	Consumer		118,929		215		119,144
	Total	$	225,589	$	1,159	$	226,748
		December 31, 2013
		Accruing		Non-Accruing
	(in thousands)	Loans		Loans		Total
	Residential real estate	$	92,181	$	1,478	$	93,659
	Construction, land acquisition and development - residential		3,072		-		3,072
	Commercial - indirect auto		5,671		-		5,671
	Consumer		115,809		133		115,942
	Total	$	216,733	$	1,611	$	218,344
Past Due Financing Receivables [Table Text Block]	'
	The following tables present the delinquency status of past due and non-accrual loans by loan category at September 30, 2014 and December 31, 2013:
		September 30, 2014
		Delinquency Status
		0-29 Days		30-59 Days		60-89 Days		>/=160;90 Days
	(in thousands)	Past Due		Past Due		Past Due		Past Due			Total
	Performing (accruing) loans:
	Real estate:
	Residential real estate	$	122,894	$	263	$	44	$	-		$	123,201
	Commercial real estate		233,190		73		112		49			233,424
	Construction, land acquisition and development		17,516		-		-		-			17,516
	Total real estate		373,600		336		156		49			374,141
	Commercial and industrial		134,857		179		155		-			135,191
	Consumer		120,892		1,119		347		-			122,358
	State and political subdivisions		40,210		-		-		-			40,210
	Total performing (accruing) loans		669,559		1,634		658		49			671,900
	Non-accrual loans:
	Real estate:
	Residential real estate		417		121		39		597			1,174
	Commercial real estate		3,969		-		-		44			4,013
	Construction, land acquisition and development		-		-		-		45			45
	Total real estate		4,386		121		39		686			5,232
	Commercial and industrial		32		20		-		40			92
	Consumer		39		7		38		131			215
	State and political subdivisions		-		-		-		-			-
	Total non-accrual loans		4,457		148		77		857			5,539
	Total loans receivable	$	674,016	$	1,782	$	735	$	906		$	677,439
		December 31, 2013
		Delinquency Status
		0-29 Days		30-59 Days		60-89 Days		>/=160;90 Days
	(in thousands)	Past Due		Past Due		Past Due		Past Due			Total
	Performing (accruing) loans:
	Real estate:
	Residential real estate	$	112,519	$	571	$	116	$	-		$	113,206
	Commercial real estate		213,660		629		-		-			214,289
	Construction, land acquisition and development		24,259		78		-		-			24,337
	Total real estate		350,438		1,278		116		-			351,832
	Commercial and industrial		126,441		232		125		19			126,817
	Consumer		116,710		1,420		362		-			118,492
	State and political subdivisions		39,875		-		-		-			39,875
	Total peforming (accruing) loans		633,464		2,930		603		19			637,016
	Non-accrual loans:
	Real estate:
	Residential real estate		570		73		51		1,025			1,719
	Commercial real estate		4,183		52		-		-			4,235
	Construction, land acquisition and development		-		-		45		-			45
	Total real estate		4,753		125		96		1,025			5,999
	Commercial and industrial		181		-		23		-			204
	Consumer		14		31		16		92			153
	State and political subdivisions		-		-		-		-			-
	Total non-accrual loans		4,948		156		135		1,117			6,356
	Total loans receivable	$	638,412	$	3,086	$	738	$	1,136		$	643,372
Impaired Financing Receivables [Table Text Block]	'
	The following tables present a distribution of the recorded investment, unpaid principal balance and the related allowance for the Company’s impaired loans, which have been analyzed for impairment under ASC 310, at September 30, 2014 and December 31, 2013. Non-accrual loans, other than TDRs, with aggregate loan relationship balances less than the $100 thousand loan relationship threshold are not evaluated individually for impairment and are accordingly not included in the following tables. However, these loans are evaluated collectively for impairment as homogenous pools in the general allowance under ASC 450. Total non-accrual loans, other than TDRs, with balances less than the $100 thousand loan relationship threshold, that were evaluated under ASC 450 amounted to $1.1 million at both September 30, 2014 and December 31, 2013.
		September 30, 2014
				Unpaid
		Recorded		Principal		Related
	(in thousands)	Investment		Balance		Allowance
	With no allowance recorded:
	Real estate:
	Residential real estate	$	715	$	837	$	-
	Commercial real estate		4,523		5,101		-
	Construction, land acquisition and development		68		68		-
	Total real estate		5,306		6,006		-
	Commercial and industrial		-		-		-
	Consumer		-		-		-
	State and political subdivisions		-		-		-
	Total impaired loans with no related allowance recorded		5,306		6,006		-
	With a related allowance recorded:
	Real estate:
	Residential real estate		1,868		1,868		6
	Commercial real estate		2,085		2,085		341
	Construction, land acquisition and development		191		191		1
	Total real estate		4,144		4,144		348
	Commercial and industrial		-		-		-
	Consumer		363		363		1
	State and political subdivisions		-		-		-
	Total impaired loans with a related allowance recorded		4,507		4,507		349
	Total impaired loans:
	Real estate:
	Residential real estate		2,583		2,705		6
	Commercial real estate		6,608		7,186		341
	Construction, land acquisition and development		259		259		1
	Total real estate		9,450		10,150		348
	Commercial and industrial		-		-		-
	Consumer		363		363		1
	State and political subdivisions		-		-		-
	Total impaired loans	$	9,813	$	10,513	$	349
		December 31, 2013
				Unpaid
		Recorded		Principal		Related
	(in thousands)	Investment		Balance		Allowance
	With no allowance recorded:
	Real estate:
	Residential real estate	$	1,043	$	1,125	$	-
	Commercial real estate		4,060		4,435		-
	Construction, land acquisition and development		-		-		-
	Total real estate		5,103		5,560		-
	Commercial and industrial		-		-		-
	Consumer		-		-		-
	State and political subdivisions		-		-		-
	Total impaired loans with no related allowance recorded		5,103		5,560		-
	With a related allowance recorded:
	Real estate:
	Residential real estate		942		946		12
	Commercial real estate		2,566		2,566		296
	Construction, land acquisition and development		306		306		1
	Total real estate		3,814		3,818		309
	Commercial and industrial		-		-		-
	Consumer		316		316		1
	State and political subdivisions		-		-		-
	Total impaired loans with a related allowance recorded		4,130		4,134		310
	Total impaired loans:
	Real estate:
	Residential real estate		1,985		2,071		12
	Commercial real estate		6,626		7,001		296
Construction, land acquisition and development		306		306		1
Total real estate		8,917		9,378		309
Commercial and industrial		-		-		-
Consumer		316		316		1
State and political subdivisions		-		-		-
Total impaired loans	$	9,233	$	9,694	$	310
Schedule of average balance and interest income recognized on impaired loans	'
	The following table presents the average balance and interest income recognized on impaired loans by loan category for the three and nine months ended September 30, 2014 and 2013:
		Three Months Ended September 30,									Nine Months Ended September 30,
		2014				2013					2014					2013
		Average		Interest		Average		Interest			Average			Interest		Average		Interest
	(in thousands)	Balance		Income (1)		Balance		Income (1)			Balance			Income (1)		Balance		Income (1)
	Residential real estate	$	2,490	$	25	$	2,061	$	2		$	2,144		$	62	$	2,204	$	6
	Commercial real estate		6,628		30		9,767		80			6,613			91		10,503		254
	Construction, land acquisition and development		273		4		739		6			293			12		894		22
	Total real estate		9,391		59		12,567		88			9,050			165		13,601		282
	Commercial and industrial		66		-		-		-			98			-		-		-
	Consumer		363		3		-		-			337			8		-		-
	State and political subdivisions		-		-		-		-			-			-		-		-
	Total impaired loans	$	9,820	$	62	$	12,567	$	88		$	9,485		$	173	$	13,601	$	282
	(1) Interest income represents income recognized on performing TDRs.
Troubled Debt Restructurings on Financing Receivables [Table Text Block]	'
	The following tables present the pre- and post- modification recorded investment in loans modified as TDRs by loan category during the three and nine months ended September 30, 2014 and 2013:
			Three Months Ended September 30, 2014						Nine Months Ended September 30, 2014
				Pre-Modification		Post-Modification					Pre-Modification			Post-Modification
			Number	Outstanding		Outstanding		Number			Outstanding			Outstanding
			of	Recorded		Recorded		of			Recorded			Recorded
	(in thousands)		Contracts	Investments		Investments		Contracts			Investments			Investments
	Troubled debt restructurings:
	Residential real estate		6	$	411	$	413		12		$	780		$	862
	Commercial real estate		-		-		-		4			238			238
	Construction, land acquisition and development		-		-		-		-			-			-
	Commercial and industrial		-		-		-		-			-			-
	Consumer		-		-		-		2			182			187
	Total new troubled debt restructurings		6	$	411	$	413		18		$	1,200		$	1,287
			Three Months Ended September 30, 2013					Nine Months Ended September 30, 2013
				Pre-Modification		Post-Modification				Pre-Modification			Post-Modification
			Number	Outstanding		Outstanding		Number		Outstanding			Outstanding
			of	Recorded		Recorded		of		Recorded			Recorded
	(in thousands)		Contracts	Investments		Investments		Contracts		Investments			Investments
	Troubled debt restructurings:
	Residential real estate		-	$	-	$	-	-		$	-		$	-
	Commercial real estate		-		-		-	2			4,561			4,561
	Construction, land acquisition and development		-		-		-	-			-			-
	Commercial and industrial		-		-		-	-			-			-
	Consumer		-		-		-	-			-			-
	Total new troubled debt restructurings		-	$	-	$	-	2		$	4,561		$	4,561
Schedule of Types of Modifications of Troubled Debt Restructurings on Financing Receivables [Table Text Block]	'
	The following tables present the types of modifications made during the three and nine months ended September 30, 2014 and 2013:
		Three Months Ended September 30, 2014									Nine Months Ended September 30, 2014
		Residential		Commercial							Residential			Commercial
	(in thousands)	Real Estate		Real Estate		Consumer		Total			Real Estate			Real Estate		Consumer		Total
	Type of modification:
	Extension of term	$	148	$	-	$	-	$	148		$	263		$	238	$	135	$	636
	Extension of term and capitalization of taxes		40		-		-		40			339			-		52		391
	Capitalization of taxes		-		-		-		-			35			-		-		35
	Principal Forbearance		225		-		-		225			225			-		-		225
	Total modifications	$	413	$	-	$	-	$	413		$	862		$	238	$	187	$	1,287
		Three Months Ended September 30, 2013									Nine Months Ended September 30, 2013
		Residential		Commercial							Residential			Commercial
	(in thousands)	Real Estate		Real Estate		Consumer		Total			Real Estate			Real Estate		Consumer		Total
	Type of modification:
	Principal forebearance	$	-	$	-	$	-	$	-		$	-		$	4,561	$	-	$	4,561
	Total modifications	$	-	$	-	$	-	$	-		$	-		$	4,561	$	-	$	4,561

Other_Real_Estate_Owned_Tables

Other Real Estate Owned (Tables)	9 Months Ended
	Sep. 30, 2014
OTHER REAL ESTATE OWNED	'
Schedule reflecting the components of OREO [Table Text Block]	'
	The following table presents the composition of OREO at September 30, 2014 and December 31, 2013:
		September 30,		December 31,
	(in thousands)	2014		2013
	Land/lots	$	1,476	$	3,549
	Commercial real estate		1,114		647
	Residential real estate		27		50
	Total other real estate owned	$	2,617	$	4,246
Other Real Estate Owned Roll Forward [Table Text Block]	'
	The following table presents the activity in OREO for the nine months ended September 30, 2014 and 2013:
		Three Months Ended September 30,				Nine Months Ended September 30,
	(in thousands)	2014		2013		2014		2013
	Balance, beginning of period	$	3,182	$	2,778	$	4,246	$	3,983
	Property foreclosures		-		96		13		255
	Bank premises transferred to OREO		-		1,819		1,749		1,819
	Valuation adjustments		-429		-152		-2,199		-257
	Carrying value of OREO sold		-136		-136		-1,192		-1,395
	Balance, end of period	$	2,617	$	4,405	$	2,617	$	4,405
Schedule of Components of Net Expense of Other Real Estate [Table Text Block]	'
	The following table presents the components of net expense of OREO for the three months and nine months ended September 30, 2014 and 2013:
		Three Months Ended				Nine Months Ended
		September 30,				September 30,
	(in thousands)	2014		2013		2014		2013
	Insurance	$	26	$	70	$	66	$	133
	Legal fees		14		40		38		122
	Maintenance		2		16		17		43
	Professional fees		5		21		83		44
	Real estate taxes		28		25		123		127
	Utilities		4		-		8		9
	Other		6		3		11		59
	Valuation adjustments		429		152		2,199		257
	Total expense		514		327		2,545		794
	Income from the operation of foreclosed properties		-		-9		-50		-26
	Net expense of OREO	$	514	$	318	$	2,495	$	768

Securities_Tables

Securities (Tables)	9 Months Ended
	Sep. 30, 2014
SECURITIES	'
Schedule of Available-for-sale Securities Reconciliation [Table Text Block]	'
	The following tables present the amortized cost, gross unrealized gains and losses, and the fair value of the Company’s securities at September 30, 2014 and December 31, 2013:
		September 30, 2014
				Gross		Gross
				Unrealized		Unrealized
		Amortized		Holding		Holding
	(in thousands)	Cost		Gains		Losses		Fair Value
	Available-for-sale:
	Obligations of U.S. government agencies	$	18,885	$	357	$	-	$	19,242
	Obligations of state and political subdivisions		23,450		1,065		10		24,505
	Government-sponsored agency:
	Collateralized mortgage obligations		85,622		304		1,044		84,882
	Residential mortgage-backed securities		87,740		407		760		87,387
	Corporate debt securities		500		-		65		435
	Equity securities		1,010		-		49		961
	Total available-for-sale securities	$	217,207	$	2,133	$	1,928	$	217,412
		December 31, 2013
				Gross		Gross
				Unrealized		Unrealized
		Amortized		Holding		Holding
	(in thousands)	Cost		Gains		Losses		Fair Value
	Available-for-sale:
	Obligations of state and political subdivisions	$	79,488	$	1,422	$	2,856	$	78,054
	Government-sponsored agency:
	Collateralized mortgage obligations		35,906		46		1,153		34,799
	Residential mortgage-backed securities		91,648		98		2,090		89,656
	Corporate debt securities		500		-		93		407
	Equity securities		1,010		-		59		951
	Total available-for-sale securities	$	208,552	$	1,566	$	6,251	$	203,867
	Held-to-maturity:
	Obligations of state and political subdivisions	$	2,308	$	116	$	-	$	2,424
Investments Classified by Contractual Maturity Date [Table Text Block]	'
	The following table presents the amortized cost and approximate fair value of the Company’s available-for-sale debt securities at September 30, 2014 by contractual maturities.  Expected maturities will differ from contractual maturity because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Because collateralized mortgage obligations and residential mortgage-backed securities are not due at a single maturity date, they are not included in the maturity categories in the following maturity summary.
		September 30, 2014
		Available-for-Sale
		Amortized		Fair
	(in thousands)	Cost		Value
	Amounts maturing in:
	One year or less	$	150	$	149
	After one year through five years		-		-
	After five years through ten years		25,980		26,544
	After ten years		16,705		17,489
	Collateralized mortgage obligations		85,622		84,882
	Residential mortgage-backed securities		87,740		87,387
	Total	$	216,197	$	216,451
Schedule of Unrealized Loss on Investments [Table Text Block]	'
	The following tables present the number of, fair value and gross unrealized losses of available-for-sale securities with unrealized losses at September 30, 2014 and December 31, 2013, aggregated by investment category and length of time the securities have been in an unrealized loss position.
			September 30, 2014
			Less than 12 Months					12 Months or Greater						Total
			Number			Gross		Number				Gross		Number				Gross
			of	Fair		Unrealized		of		Fair		Unrealized		of		Fair		Unrealized
	(dollars in thousands)		Securities	Value		Losses		Securities		Value		Losses		Securities		Value		Losses
	Obligations of U.S. government agencies		-	$	-	$	-		-	$	-	$	-		-	$	-	$	-
	Obligations of state and policitical subdivisions		-		-		-		3		736		10		3		736		10
	Government-sponsored agency:
	Collateralized mortgage obligations		10		49,973		733		3		8,544		311		13		58,517		1,044
	Residential mortgage-backed securities		2		7,061		54		8		48,689		706		10		55,750		760
	Corporate debt securities		-		-		-		1		435		65		1		435		65
	Equity securities		-		-		-		1		951		49		1		951		49
	Total		12	$	57,034	$	787		16	$	59,355	$	1,141		28	$	116,389	$	1,928
			31-Dec-13
			Less than 12 Months					12 Months or Greater						Total
			Number			Gross		Number				Gross		Number				Gross
			of	Fair		Unrealized		of		Fair		Unrealized		of		Fair		Unrealized
	(dollars in thousands)		Securities	Value		Losses		Securities		Value		Losses		Securities		Value		Losses
	Obligations of state and policitical subdivisions		58	$	33,835	$	1,837		18	$	4,756	$	1,019		76	$	38,591	$	2,856
	Government-sponsored agency:
	Collateralized mortgage obligations		11		31,683		1,139		1		833		14		12		32,516		1,153
	Residential mortgage-backed securities		13		79,046		1,961		2		7,506		129		15		86,552		2,090
	Corporate debt securities		-		-		-		1		407		93		1		407		93
	Equity securities		-		-		-		1		941		59		1		941		59
	Total		82	$	144,564	$	4,937		23	$	14,443	$	1,314		105	$	159,007	$	6,251

Fair_Value_Measurements_Tables

Fair Value Measurements (Tables)	9 Months Ended
	Sep. 30, 2014
FAIR VALUE MEASUREMENTS	'
Fair Value, Assets Measured on Recurring Basis [Table Text Block]	'
	The following tables present financial assets that are measured at fair value on a recurring basis at September 30, 2014 and December 31, 2013, and the fair value hierarchy of the respective valuation technique utilized by the Company to determine the fair value:
			Fair Value Measurements at September 30, 2014
						Quoted Prices			Significant			Significant
						in Active Markets			Observable			Unobservable
						for Identical  Assets			Inputs			Inputs
	(in thousands)		Fair Value			(Level 1)			(Level 2)			(Level 3)
	Available-for-sale securities:
	Obligations of U.S. government agencies		$	19,242		$	-		$	19,242		$	-
	Obligations of state and political subdivisions			24,505			-			24,356			149
	Government-sponsored agency:
	Collateralized mortgage obligations			84,882			-			84,882			-
	Residential mortgage-backed securities			87,387			-			87,387			-
	Corporate debt securities			435			-			435			-
	Equity securities			961			961			-			-
	Total available-for-sale securities		$	217,412		$	961		$	216,302		$	149
			Fair Value Measurements at December 31, 2013
						Quoted Prices			Significant			Significant
						in Active Markets			Observable			Unobservable
						for Identical  Assets			Inputs			Inputs
	(in thousands)		Fair Value			(Level 1)			(Level 2)			(Level 3)
	Available-for-sale securities:
	Obligations of state and political subdivisions		$	78,054		$	-		$	77,483		$	571
	Government-sponsored agency:
	Collateralized mortgage obligations			34,799			-			34,799			-
	Residential mortgage-backed securities			89,656			-			89,656			-
	Corporate debt securities			407			-			407			-
	Equity securities			951			951			-			-
	Total available-for-sale securities		$	203,867		$	951		$	202,345		$	571
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]	'
	The following table presents a reconciliation and statement of operations classifications of gains and losses for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3), which consisted entirely of obligations of states and political subdivisions, for the three and nine month periods ended September 30, 2014 and 2013:
	Fair Value Measurements
	Using Significant Unobservable Inputs (Level 3)
			Three Months Ended						Nine Months Ended
			September 30,						September 30,
	(in thousands)		2014			2013			2014			2013
	Balance, beginning of period		$	294		$	845		$	571		$	1,739
	Amortization			-			-			-			-
	Accretion			-			-			-			-
	Principal payments received			-150			-140			-445			-425
	Sales			-			-			-			-622
	Total gains or losses (realized/unrealized):
	Included in earnings			-			-			-			2
	Included in other comprehensive income			5			5			23			16
	Balance, end of period		$	149		$	710		$	149		$	710
Fair Value Measurements, Nonrecurring [Table Text Block]	'
	The following tables present assets that are measured at fair value on a non-recurring basis at September 30, 2014 and December 31, 2013, and the fair value hierarchy of the respective valuation technique utilized by the Company to determine fair value:
			Fair Value Measurements at September 30, 2014
						Quoted Prices			Significant			Significant
						in Active Markets			Observable			Unobservable
						for Identical  Assets			Inputs			Inputs
	(in thousands)		Fair Value (1)			(Level 1)			(Level 2)			(Level 3)
	Collateral-dependent impaired loans		$	5,399		$	-		$	-		$	5,399
	Other real estate owned		$	2,450		$	-		$	-		$	2,450
			Fair Value Measurements at December 31, 2013
						Quoted Prices			Significant			Significant
						in Active Markets			Observable			Unobservable
						for Identical  Assets			Inputs			Inputs
	(in thousands)		Fair Value (1)			(Level 1)			(Level 2)			(Level 3)
	Collateral-dependent impaired loans		$	5,229		$	-		$	-		$	5,229
	Other real estate owned		$	3,931		$	-		$	-		$	3,931
	_______________________________________
		-1	Represents carrying value and related write-downs for which adjustments are based on appraised value. Management makes adjustments to the appraised values as necessary to consider declines in real estate values since the time of the appraisal. Such adjustments are based on management’s knowledge of the local real estate markets.
Fair Value, by Balance Sheet Grouping [Table Text Block]	'
	The following table presents the carrying values and estimated fair values of the Company’s financial instruments at September 30, 2014 and at December 31, 2013:
			Fair Value		September 30, 2014						December 31, 2013
	(in thousands)		Measurement		Carrying Value			Fair Value			Carrying Value			Fair Value
	Financial assets:
	Cash and cash equivalents		Level 1		$	39,993		$	39,993		$	103,556		$	103,556
	Securities available for sale		See previous table			217,412			217,412			203,867			203,867
	Securities held to maturity		Level 2			-			-			2,308			2,424
	FHLB and FRB Stock		Level 2			5,706			5,706			3,496			3,496
	Loans held for sale		Level 2			171			171			820			820
	Loans, net		Level 3			666,262			666,879			629,880			632,536
	Accrued interest receivable		Level 2			2,158			2,158			2,191			2,191
	Mortgage servicing rights		Level 3			381			961			529			990
	Financial liabilities:
	Deposits		Level 2			803,196			804,688			884,698			887,056
	Borrowed funds		Level 2			104,096			107,476			62,433			65,642
	Accrued interest payable		Level 2			10,515			10,515			8,732			8,732

Earnings_per_Share_Tables

Earnings per Share (Tables)	9 Months Ended
	Sep. 30, 2014
EARNINGS PER SHARE	'
Tabular disclosure of calculation of both basic and diluted earnings per common share [Table Text Block]	'
	The following table presents the calculation of both basic and diluted earnings per common share for the three and nine months ended September 30, 2014 and 2013:
		Three Months Ended				Nine Months Ended
		September 30,				September 30,
	(in thousands, except share data)	2014		2013		2014		2013
	Net income	$	3,358	$	1,887	$	13,451	$	4,338
	Basic weighted-average number of common shares outstanding		16,471,569		16,457,169		16,471,569		16,457,169
	Plus: common share equivalents		-		-		282		-
	Diluted weighted-average number of common shares outstanding		16,471,569		16,457,169		16,471,851		16,457,169
	Income per common share:
	Basic	$	0.2	$	0.11	$	0.82	$	0.26
	Diluted	$	0.2	$	0.11	$	0.82	$	0.26

Other_Comprehensive_Income_Los1

Other Comprehensive Income (Loss) (Tables)	9 Months Ended
	Sep. 30, 2014
Equity [Abstract]	'
Reclassification out of Accumulated Other Comprehensive Income [Table Text Block]	'
	The following tables summarize the reclassifications out of accumulated other comprehensive income (loss) for the three and nine months ended September 30, 2014 and 2013:
		Three Months Ended September 30, 2014				Nine Months Ended September 30, 2014
		Amount				Amount
		Reclassified from				Reclassified from
		Accumulated				Accumulated
		Other		Affected Line Item		Other			Affected Line Item
		Comprehensive		in the Consolidated		Comprehensive			in the Consolidated
	(in thousands)	Income (Loss)		Statements of Operations		Income (Loss)			Statements of Operations
	Available-for-sale securities:
	Reclassification adjustment for net gains reclassified into net income	$	-2,958	Net gain on sale of securities		$	-5,638		Net gain on sale of securities
	Taxes		1,006	Income taxes			1,917		Income taxes
	Net of tax amount	$	-1,952			$	-3,721
		Three Months Ended September 30, 2013				Nine Months Ended September 30, 2013
		Amount				Amount
		Reclassified from				Reclassified from
		Accumulated				Accumulated
		Other		Affected Line Item		Other			Affected Line Item
		Comprehensive		in the Consolidated		Comprehensive			in the Consolidated
	(in thousands)	Income (Loss)		Statements of Operations		Income (Loss)			Statements of Operations
	Available-for-sale securities:
	Reclassification adjustment for net gains reclassified into net income	$	-817	Net gain on sale of securities		$	-2,558		Net gain on sale of securities
	Taxes		278	Income taxes			870		Income taxes
	Net of tax amount	$	-539			$	-1,688
Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]	'
	The following table summarizes the changes in accumulated other comprehensive income (loss), net of tax for the three and nine months ended September 30, 2014 and 2013:
		Three Months Ended					Nine Months Ended
		September 30,					September 30,
	(in thousands)	2014		2013			2014			2013
	Balance, beginning of period	$	2,406	$	-1,142		$	-3,092		$	6,698
	Other comprehensive (loss) income before reclassifications		-319		-87			6,948			-6,778
	Amounts reclassified from accumulated other comprehensive income (loss)		-1,952		-539			-3,721			-1,688
	Net other comprehensive (loss) income during the period		-2,271		-626			3,227			-8,466
	Balance, end of period	$	135	$	-1,768		$	135		$	-1,768

Related_Party_Transactions_Tab

Related Party Transactions (Tables)	9 Months Ended
	Sep. 30, 2014
RELATED PARTY TRANSACTIONS	'
Summary of changes in the total amounts of outstanding loans, advances under lines of credit as well as repayments granted to directors, executive officers and their related parties	'
	The following table summarizes the changes in the gross amounts of such outstanding loans, advances under lines of credit as well as repayments during the three months and nine months ended September 30, 2014 and 2013:
		For the Three Months Ended				For the Nine Months Ended
		September 30,				September 30,
	(in thousands)	2014		2013		2014		2013
	Balance, beginning of period	$	34,152	$	35,366	$	32,506	$	33,296
	Additions, new loans and advances		30,788		11,239		62,683		38,669
	Repayments		-18,382		-13,646		-48,631		-38,750
	Other (1)		-248		-		-248		-256
	Balance, end of period	$	46,310	$	32,959	$	46,310	$	32,959
	_______________________________________________________________________
	(1)           Represents loans to related parties that ceased being related parties during the period.

Stock_Compensation_Plans_Table

Stock Compensation Plans (Tables)	9 Months Ended
	Sep. 30, 2014
STOCK COMPENSATION PLANS	'
Schedule of the status of stock option plans	'
	The following table summarizes the activity related to the Company’s stock option plans for the nine months ended September 30, 2014 and 2013:
		Nine Months Ended September 30,
		2014			2013
			Weighted			Weighted
			Average			Average
			Exercise			Exercise
		Shares	Price		Shares	Price
	Outstanding at January 1,	82,598	$	15.98	129,170	$	14.26
	Granted	-		-	-		-
	Exercised	-		-	-		-
	Forfeited	-9,322		16.05	-14,822		13.81
	Outstanding at September 30,	73,276	$	15.97	114,348	$	14.32
	Options exercisable at September 30,	73,276	$	15.97	114,348	$	14.32
	Weighted average fair value of options granted during the period		$	-		$	-
	Stock-based compensation expense		$	-		$	-
Schedule of information pertaining to options outstanding	'
	The following table presents information pertaining to options outstanding at September 30, 2014:
			Options Outstanding					Options Excercisable
					Weighted
					Average	Weighted			Weighted
					Remaining	Average			Average
			Number		Contractual	Exercise		Number	Exercise
	Range of Exercise Price		Outstanding		Life	Price		Exercisable	Price
		$10.81 - $23.13	73,276		2.8	$	15.97	73,276	$	15.97
Schedule of Share-based Compensation, Restricted Stock Units Award Activity [Table Text Block]	'
	The following table summarizes the activity related to the Company’s unvested restricted stock awards during the nine months ended September 30, 2014:
		Nine Months Ended September 30,
		2014
			Weighted-
			Average
		Restricted	Grant Date
		Shares	Fair Value
	Unvested unrestricted stock awards at January 1,	-	$	-
	Awards granted	45,750		6.7
	Forfeitures	-		-
	Vestings	-		-
	Unvested unrestricted stock awards at September 30,	45,750	$	6.7

Regulatory_Matters_Details

Regulatory Matters (Details) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Tier I capital:	'	'
Total tier I capital	$59,810	$46,165
Tier II capital:	'	'
Subordinated notes	25,000	23,085
Allowable portion of allowance for loan losses	8,703	8,462
Total tier II capital	33,703	31,547
Total risk-based capital	93,513	77,712
Total risk-weighted assets	692,693	670,894
Total average assets (for Tier I leverage ratio)	965,740	980,754
Bank	'	'
Tier I capital:	'	'
Total tier I capital	97,096	81,581
Tier II capital:	'	'
Allowable portion of allowance for loan losses	8,698	8,456
Total tier II capital	8,698	8,456
Total risk-based capital	105,794	90,037
Total risk-weighted assets	692,314	670,416
Total average assets (for Tier I leverage ratio)	$965,709	$980,747

Regulatory_Matters_Details_1

Regulatory Matters (Details 1) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Total Capital (to Risk Weighted Assets)	'	'
Actual Amount	$93,513	$77,712
For Capital Adequacy Purposes, Amount	55,415	53,672
Total capital (to Risk Weighted Assets), Ratio	'	'
Actual Ratio (as a percent)	13.50%	11.58%
For Capital Adequacy Purposes, Ratio (as a percent)	8.00%	8.00%
Tier I Capital (to Risk Weighted Assets)	'	'
Actual Amount	59,810	46,165
For Capital Adequacy Purposes, Amount	27,708	26,836
Tier I Capital (to Risk Weighted Assets), Ratio	'	'
Actual Ratio (as a percent)	8.63%	6.88%
For Capital Adequacy Purposes, Ratio (as a percent)	4.00%	4.00%
Tier I Capital (to Average Assets)	'	'
Actual Amount	59,810	46,165
For Capital Adequacy Purposes, Amount	38,630	39,230
Tier I Capital (to Average Assets), Ratio	'	'
Actual Ratio (as a percent)	6.19%	4.71%
For Capital Adequacy Purposes, Ratio (as a percent)	4.00%	4.00%
Bank	'	'
Total Capital (to Risk Weighted Assets)	'	'
Actual Amount	105,794	90,037
For Capital Adequacy Purposes, Amount	55,385	53,633
To Be Well Capitalized Under Prompt Corrective Action Provision, Amount	69,231	67,042
Total capital (to Risk Weighted Assets), Ratio	'	'
Actual Ratio (as a percent)	15.28%	13.43%
For Capital Adequacy Purposes, Ratio (as a percent)	8.00%	8.00%
To be Well Capitalized Under Prompt Corrective Action Provision, Ratio (as a percent)	10.00%	10.00%
Tier I Capital (to Risk Weighted Assets)	'	'
Actual Amount	97,096	81,581
For Capital Adequacy Purposes, Amount	27,693	26,817
To Be Well Capitalized Under Prompt Corrective Action Provision, Amount	41,539	40,225
Tier I Capital (to Risk Weighted Assets), Ratio	'	'
Actual Ratio (as a percent)	14.02%	12.17%
For Capital Adequacy Purposes, Ratio (as a percent)	4.00%	4.00%
To be Well Capitalized Under Prompt Corrective Action Provision, Ratio (as a percent)	6.00%	6.00%
Tier I Capital (to Average Assets)	'	'
Actual Amount	97,096	81,581
For Capital Adequacy Purposes, Amount	38,628	39,230
To Be Well Capitalized Under Prompt Corrective Action Provision, Amount	$48,285	$49,038
Tier I Capital (to Average Assets), Ratio	'	'
Actual Ratio (as a percent)	10.05%	8.32%
For Capital Adequacy Purposes, Ratio (as a percent)	4.00%	4.00%
To be Well Capitalized Under Prompt Corrective Action Provision, Ratio (as a percent)	5.00%	5.00%

Regulatory_Matters_Details_Tex

Regulatory Matters (Details Textual) (USD $)	9 Months Ended		9 Months Ended					9 Months Ended
In Millions, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2013	Sep. 30, 2014	Dec. 31, 2013	Sep. 30, 2014	Nov. 30, 2010	Sep. 30, 2014	Sep. 30, 2014
			Subsidiaries [Member]	Subsidiaries [Member]	Subsidiaries [Member]	Subsidiaries [Member]	OCC Consent Order	OCC Consent Order
					Minimum	Minimum		Subsidiaries [Member]
								Maximum
Regulatory Matters	'	'	'	'	'	'	'	'
Period from Receipt of Determination of No Supervisory Objection for Definitive Agreement	'	'	'	'	'	'	'	'90 days
Capital to Risk Weighted Assets	13.50%	11.58%	15.28%	13.43%	13.00%	13.00%	13.00%	'
Tier One Leverage Capital to Average Assets	6.19%	4.71%	10.05%	8.32%	9.00%	9.00%	9.00%	'
Increased Risk based Capital Points	'	'	185	'	'	'	'	'
Increased In Leverage Ratio Points	'	'	173	'	'	'	'	'
Capital Distributions Received From Bank	$1	'	'	'	'	'	'	'

Loans_Details

Loans (Details) (USD $)	Sep. 30, 2014	Jun. 30, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Loans	'	'	'	'	'	'
Residential real estate	$124,375	'	$114,925	'	'	'
Commercial real estate	237,437	'	218,524	'	'	'
Construction, land acquisition and development	17,561	'	24,382	'	'	'
Commercial and industrial	135,283	'	127,021	'	'	'
Consumer	122,573	'	118,645	'	'	'
State and political subdivisions	40,210	'	39,875	'	'	'
Total	677,439	'	643,372	'	'	'
Unearned income	-115	'	-143	'	'	'
Net deferred loan fees and costs	836	'	668	'	'	'
Allowance for loan and lease losses	-11,898	-12,175	-14,017	-17,618	-18,588	-18,536
Loans, net	$666,262	'	$629,880	'	'	'

Loans_Details_1

Loans (Details 1) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Allowance for loan losses:	'	'	'	'
Beginning balance	$12,175	$18,588	$14,017	$18,536
Charge-offs	-359	-353	-961	-1,345
Recoveries	136	542	4,471	2,812
Provisions (credits)	-54	-1,159	-5,629	-2,385
Ending balance	11,898	17,618	11,898	17,618
Consumer [Member]	'	'	'	'
Allowance for loan losses:	'	'	'	'
Beginning balance	1,681	1,760	1,789	1,708
Charge-offs	-270	-74	-637	-433
Recoveries	58	95	303	371
Provisions (credits)	258	105	272	240
Ending balance	1,727	1,886	1,727	1,886
Residential Real Estate [Member]	'	'	'	'
Allowance for loan losses:	'	'	'	'
Beginning balance	2,112	2,145	2,287	1,764
Charge-offs	-67	-98	-152	-445
Recoveries	9	9	79	190
Provisions (credits)	-307	215	-467	762
Ending balance	1,747	2,271	1,747	2,271
Commercial Real Estate [Member]	'	'	'	'
Allowance for loan losses:	'	'	'	'
Beginning balance	5,133	7,823	6,017	8,062
Charge-offs	0	0	0	-48
Recoveries	0	362	355	471
Provisions (credits)	128	-869	-1,111	-1,169
Ending balance	5,261	7,316	5,261	7,316
Construction Land Acquisition and Development [Member]	'	'	'	'
Allowance for loan losses:	'	'	'	'
Beginning balance	923	2,390	924	2,162
Charge-offs	0	-65	0	-175
Recoveries	0	5	3,539	124
Provisions (credits)	-148	-141	-3,688	78
Ending balance	775	2,189	775	2,189
Commercial and Industrial [Member]	'	'	'	'
Allowance for loan losses:	'	'	'	'
Beginning balance	1,758	3,487	2,321	4,167
Charge-offs	-22	-116	-172	-244
Recoveries	69	71	195	1,656
Provisions (credits)	0	-225	-539	-2,362
Ending balance	1,805	3,217	1,805	3,217
State and Political Subdivisions [Member]	'	'	'	'
Allowance for loan losses:	'	'	'	'
Beginning balance	568	983	679	673
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provisions (credits)	15	-244	-96	66
Ending balance	$583	$739	$583	$739

Loans_Details_2

Loans (Details 2) (USD $)	Sep. 30, 2014	Jun. 30, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Allowance for loan losses:	'	'	'	'	'	'
Individually evaluated for impairment	$349	'	$310	'	'	'
Collectively evaluated for impairment	11,549	'	13,707	'	'	'
Total	11,898	12,175	14,017	17,618	18,588	18,536
Loans receivable:	'	'	'	'	'	'
Individually evaluated for impairment	9,813	'	9,233	'	'	'
Collectively evaluated for impairment	667,626	'	634,139	'	'	'
Total	677,439	'	643,372	'	'	'
Consumer [Member]	'	'	'	'	'	'
Allowance for loan losses:	'	'	'	'	'	'
Individually evaluated for impairment	1	'	1	'	'	'
Collectively evaluated for impairment	1,726	'	1,788	'	'	'
Total	1,727	1,681	1,789	1,886	1,760	1,708
Loans receivable:	'	'	'	'	'	'
Individually evaluated for impairment	363	'	316	'	'	'
Collectively evaluated for impairment	122,210	'	118,329	'	'	'
Total	122,573	'	118,645	'	'	'
Residential Real Estate [Member]	'	'	'	'	'	'
Allowance for loan losses:	'	'	'	'	'	'
Individually evaluated for impairment	6	'	12	'	'	'
Collectively evaluated for impairment	1,741	'	2,275	'	'	'
Total	1,747	2,112	2,287	2,271	2,145	1,764
Loans receivable:	'	'	'	'	'	'
Individually evaluated for impairment	2,583	'	1,985	'	'	'
Collectively evaluated for impairment	121,792	'	112,940	'	'	'
Total	124,375	'	114,925	'	'	'
Commercial Real Estate [Member]	'	'	'	'	'	'
Allowance for loan losses:	'	'	'	'	'	'
Individually evaluated for impairment	341	'	296	'	'	'
Collectively evaluated for impairment	4,920	'	5,721	'	'	'
Total	5,261	5,133	6,017	7,316	7,823	8,062
Loans receivable:	'	'	'	'	'	'
Individually evaluated for impairment	6,608	'	6,626	'	'	'
Collectively evaluated for impairment	230,829	'	211,898	'	'	'
Total	237,437	'	218,524	'	'	'
Construction Land Acquisition and Development [Member]	'	'	'	'	'	'
Allowance for loan losses:	'	'	'	'	'	'
Individually evaluated for impairment	1	'	1	'	'	'
Collectively evaluated for impairment	774	'	923	'	'	'
Total	775	923	924	2,189	2,390	2,162
Loans receivable:	'	'	'	'	'	'
Individually evaluated for impairment	259	'	306	'	'	'
Collectively evaluated for impairment	17,302	'	24,076	'	'	'
Total	17,561	'	24,382	'	'	'
Commercial and Industrial [Member]	'	'	'	'	'	'
Allowance for loan losses:	'	'	'	'	'	'
Individually evaluated for impairment	0	'	0	'	'	'
Collectively evaluated for impairment	1,805	'	2,321	'	'	'
Total	1,805	1,758	2,321	3,217	3,487	4,167
Loans receivable:	'	'	'	'	'	'
Individually evaluated for impairment	0	'	0	'	'	'
Collectively evaluated for impairment	135,283	'	127,021	'	'	'
Total	135,283	'	127,021	'	'	'
State and Political Subdivisions [Member]	'	'	'	'	'	'
Allowance for loan losses:	'	'	'	'	'	'
Individually evaluated for impairment	0	'	0	'	'	'
Collectively evaluated for impairment	583	'	679	'	'	'
Total	583	568	679	739	983	673
Loans receivable:	'	'	'	'	'	'
Individually evaluated for impairment	0	'	0	'	'	'
Collectively evaluated for impairment	40,210	'	39,875	'	'	'
Total	$40,210	'	$39,875	'	'	'

Loans_Details_3

Loans (Details 3) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Internal risk rating	'	'
Financing Receivable Recorded Investment	$450,691	$425,028
Consumer [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	3,429	2,703
Pass [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	405,268	379,177
Pass [Member] | Consumer [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	3,302	2,546
Special Mention [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	21,647	18,575
Special Mention [Member] | Consumer [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	0	0
Substandard [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	23,776	27,276
Substandard [Member] | Consumer [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	127	157
Doubtful [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	0	0
Doubtful [Member] | Consumer [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	0	0
Loss [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	0	0
Loss [Member] | Consumer [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	0	0
Residential Real Estate [Member] | Real Estate [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	23,519	21,266
Residential Real Estate [Member] | Pass [Member] | Real Estate [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	21,865	19,050
Residential Real Estate [Member] | Special Mention [Member] | Real Estate [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	453	869
Residential Real Estate [Member] | Substandard [Member] | Real Estate [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	1,201	1,347
Residential Real Estate [Member] | Doubtful [Member] | Real Estate [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	0	0
Residential Real Estate [Member] | Loss [Member] | Real Estate [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	0	0
Commercial Real Estate [Member] | Real Estate [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	237,437	218,524
Commercial Real Estate [Member] | Pass [Member] | Real Estate [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	207,322	191,601
Commercial Real Estate [Member] | Special Mention [Member] | Real Estate [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	16,445	12,568
Commercial Real Estate [Member] | Substandard [Member] | Real Estate [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	13,670	14,355
Commercial Real Estate [Member] | Doubtful [Member] | Real Estate [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	0	0
Commercial Real Estate [Member] | Loss [Member] | Real Estate [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	0	0
Construction Land Acquisition and Development [Member] | Real Estate [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	16,294	21,310
Construction Land Acquisition and Development [Member] | Pass [Member] | Real Estate [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	9,053	13,781
Construction Land Acquisition and Development [Member] | Special Mention [Member] | Real Estate [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	1,625	1,361
Construction Land Acquisition and Development [Member] | Substandard [Member] | Real Estate [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	5,616	6,168
Construction Land Acquisition and Development [Member] | Doubtful [Member] | Real Estate [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	0	0
Construction Land Acquisition and Development [Member] | Loss [Member] | Real Estate [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	0	0
Commercial and Industrial [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	129,802	121,350
Commercial and Industrial [Member] | Pass [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	125,170	113,048
Commercial and Industrial [Member] | Special Mention [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	2,098	3,777
Commercial and Industrial [Member] | Substandard [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	2,534	4,525
Commercial and Industrial [Member] | Doubtful [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	0	0
Commercial and Industrial [Member] | Loss [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	0	0
State and Political Subdivisions [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	40,210	39,875
State and Political Subdivisions [Member] | Pass [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	38,556	39,151
State and Political Subdivisions [Member] | Special Mention [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	1,026	0
State and Political Subdivisions [Member] | Substandard [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	628	724
State and Political Subdivisions [Member] | Doubtful [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	0	0
State and Political Subdivisions [Member] | Loss [Member]	'	'
Internal risk rating	'	'
Financing Receivable Recorded Investment	$0	$0

Loans_Details_4

Loans (Details 4) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Internal Loan Rating System	'	'
Financing Receivable Credit Quality Indicators	$226,748	$218,344
Accruing Loans [Member]	'	'
Internal Loan Rating System	'	'
Financing Receivable Credit Quality Indicators	225,589	216,733
Non Accruing Loans [Member]	'	'
Internal Loan Rating System	'	'
Financing Receivable Credit Quality Indicators	1,159	1,611
Consumer [Member]	'	'
Internal Loan Rating System	'	'
Financing Receivable Credit Quality Indicators	119,144	115,942
Consumer [Member] | Accruing Loans [Member]	'	'
Internal Loan Rating System	'	'
Financing Receivable Credit Quality Indicators	118,929	115,809
Consumer [Member] | Non Accruing Loans [Member]	'	'
Internal Loan Rating System	'	'
Financing Receivable Credit Quality Indicators	215	133
Residential Real Estate [Member]	'	'
Internal Loan Rating System	'	'
Financing Receivable Credit Quality Indicators	100,856	93,659
Residential Real Estate [Member] | Accruing Loans [Member]	'	'
Internal Loan Rating System	'	'
Financing Receivable Credit Quality Indicators	99,912	92,181
Residential Real Estate [Member] | Non Accruing Loans [Member]	'	'
Internal Loan Rating System	'	'
Financing Receivable Credit Quality Indicators	944	1,478
Construction Land Acquisition and Development [Member]	'	'
Internal Loan Rating System	'	'
Financing Receivable Credit Quality Indicators	1,267	3,072
Construction Land Acquisition and Development [Member] | Accruing Loans [Member]	'	'
Internal Loan Rating System	'	'
Financing Receivable Credit Quality Indicators	1,267	3,072
Construction Land Acquisition and Development [Member] | Non Accruing Loans [Member]	'	'
Internal Loan Rating System	'	'
Financing Receivable Credit Quality Indicators	0	0
Commercial Indirect Auto Loan [Member]	'	'
Internal Loan Rating System	'	'
Financing Receivable Credit Quality Indicators	5,481	5,671
Commercial Indirect Auto Loan [Member] | Accruing Loans [Member]	'	'
Internal Loan Rating System	'	'
Financing Receivable Credit Quality Indicators	5,481	5,671
Commercial Indirect Auto Loan [Member] | Non Accruing Loans [Member]	'	'
Internal Loan Rating System	'	'
Financing Receivable Credit Quality Indicators	$0	$0

Loans_Details_5

Loans (Details 5) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Performing and non-accrual loans	'	'
0-29 Days Past Due	$674,016	$638,412
30-59 Days Past Due	1,782	3,086
60-89 Days Past Due	735	738
>/=0 Days Past Due	906	1,136
Total	677,439	643,372
Performing (accruing) loans [Member]	'	'
Performing and non-accrual loans	'	'
0-29 Days Past Due	669,559	633,464
30-59 Days Past Due	1,634	2,930
60-89 Days Past Due	658	603
>/=0 Days Past Due	49	19
Total	671,900	637,016
Performing (accruing) loans [Member] | Consumer [Member]	'	'
Performing and non-accrual loans	'	'
0-29 Days Past Due	120,892	116,710
30-59 Days Past Due	1,119	1,420
60-89 Days Past Due	347	362
>/=0 Days Past Due	0	0
Total	122,358	118,492
Non-accrual loans [Member]	'	'
Performing and non-accrual loans	'	'
0-29 Days Past Due	4,457	4,948
30-59 Days Past Due	148	156
60-89 Days Past Due	77	135
>/=0 Days Past Due	857	1,117
Total	5,539	6,356
Non-accrual loans [Member] | Consumer [Member]	'	'
Performing and non-accrual loans	'	'
0-29 Days Past Due	39	14
30-59 Days Past Due	7	31
60-89 Days Past Due	38	16
>/=0 Days Past Due	131	92
Total	215	153
Real Estate [Member] | Performing (accruing) loans [Member]	'	'
Performing and non-accrual loans	'	'
0-29 Days Past Due	373,600	350,438
30-59 Days Past Due	336	1,278
60-89 Days Past Due	156	116
>/=0 Days Past Due	49	0
Total	374,141	351,832
Real Estate [Member] | Non-accrual loans [Member]	'	'
Performing and non-accrual loans	'	'
0-29 Days Past Due	4,386	4,753
30-59 Days Past Due	121	125
60-89 Days Past Due	39	96
>/=0 Days Past Due	686	1,025
Total	5,232	5,999
Residential real estate [Member] | Real Estate [Member] | Performing (accruing) loans [Member]	'	'
Performing and non-accrual loans	'	'
0-29 Days Past Due	122,894	112,519
30-59 Days Past Due	263	571
60-89 Days Past Due	44	116
>/=0 Days Past Due	0	0
Total	123,201	113,206
Residential real estate [Member] | Real Estate [Member] | Non-accrual loans [Member]	'	'
Performing and non-accrual loans	'	'
0-29 Days Past Due	417	570
30-59 Days Past Due	121	73
60-89 Days Past Due	39	51
>/=0 Days Past Due	597	1,025
Total	1,174	1,719
Commercial real estate [Member] | Real Estate [Member] | Performing (accruing) loans [Member]	'	'
Performing and non-accrual loans	'	'
0-29 Days Past Due	233,190	213,660
30-59 Days Past Due	73	629
60-89 Days Past Due	112	0
>/=0 Days Past Due	49	0
Total	233,424	214,289
Commercial real estate [Member] | Real Estate [Member] | Non-accrual loans [Member]	'	'
Performing and non-accrual loans	'	'
0-29 Days Past Due	3,969	4,183
30-59 Days Past Due	0	52
60-89 Days Past Due	0	0
>/=0 Days Past Due	44	0
Total	4,013	4,235
Construction, land acquisition and development [Member] | Real Estate [Member] | Performing (accruing) loans [Member]	'	'
Performing and non-accrual loans	'	'
0-29 Days Past Due	17,516	24,259
30-59 Days Past Due	0	78
60-89 Days Past Due	0	0
>/=0 Days Past Due	0	0
Total	17,516	24,337
Construction, land acquisition and development [Member] | Real Estate [Member] | Non-accrual loans [Member]	'	'
Performing and non-accrual loans	'	'
0-29 Days Past Due	0	0
30-59 Days Past Due	0	0
60-89 Days Past Due	0	45
>/=0 Days Past Due	45	0
Total	45	45
Commercial and industrial [Member] | Performing (accruing) loans [Member]	'	'
Performing and non-accrual loans	'	'
0-29 Days Past Due	134,857	126,441
30-59 Days Past Due	179	232
60-89 Days Past Due	155	125
>/=0 Days Past Due	0	19
Total	135,191	126,817
Commercial and industrial [Member] | Non-accrual loans [Member]	'	'
Performing and non-accrual loans	'	'
0-29 Days Past Due	32	181
30-59 Days Past Due	20	0
60-89 Days Past Due	0	23
>/=0 Days Past Due	40	0
Total	92	204
State and Political Subdivisions [Member] | Performing (accruing) loans [Member]	'	'
Performing and non-accrual loans	'	'
0-29 Days Past Due	40,210	39,875
30-59 Days Past Due	0	0
60-89 Days Past Due	0	0
>/=0 Days Past Due	0	0
Total	40,210	39,875
State and Political Subdivisions [Member] | Non-accrual loans [Member]	'	'
Performing and non-accrual loans	'	'
0-29 Days Past Due	0	0
30-59 Days Past Due	0	0
60-89 Days Past Due	0	0
>/=0 Days Past Due	0	0
Total	$0	$0

Loans_Details_6

Loans (Details 6) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Recorded Investment	'	'
With no allowance recorded	$5,306	$5,103
With a related allowance recorded	4,507	4,130
Total of impaired loans	9,813	9,233
Unpaid Principal Balance	'	'
With no allowance recorded	6,006	5,560
With a related allowance recorded	4,507	4,134
Total of impaired loans	10,513	9,694
Related Allowance	'	'
With no allowance recorded	0	0
With a related allowance recorded	349	310
Total of impaired loans	349	310
Consumer Loan [Member]	'	'
Recorded Investment	'	'
With no allowance recorded	0	0
With a related allowance recorded	363	316
Total of impaired loans	363	316
Unpaid Principal Balance	'	'
With no allowance recorded	0	0
With a related allowance recorded	363	316
Total of impaired loans	363	316
Related Allowance	'	'
With no allowance recorded	0	0
With a related allowance recorded	1	1
Total of impaired loans	1	1
Real estate [Member]	'	'
Recorded Investment	'	'
With no allowance recorded	5,306	5,103
With a related allowance recorded	4,144	3,814
Total of impaired loans	9,450	8,917
Unpaid Principal Balance	'	'
With no allowance recorded	6,006	5,560
With a related allowance recorded	4,144	3,818
Total of impaired loans	10,150	9,378
Related Allowance	'	'
With no allowance recorded	0	0
With a related allowance recorded	348	309
Total of impaired loans	348	309
Residential real estate [Member] | Real estate [Member]	'	'
Recorded Investment	'	'
With no allowance recorded	715	1,043
With a related allowance recorded	1,868	942
Total of impaired loans	2,583	1,985
Unpaid Principal Balance	'	'
With no allowance recorded	837	1,125
With a related allowance recorded	1,868	946
Total of impaired loans	2,705	2,071
Related Allowance	'	'
With no allowance recorded	0	0
With a related allowance recorded	6	12
Total of impaired loans	6	12
Commercial real estate [Member] | Real estate [Member]	'	'
Recorded Investment	'	'
With no allowance recorded	4,523	4,060
With a related allowance recorded	2,085	2,566
Total of impaired loans	6,608	6,626
Unpaid Principal Balance	'	'
With no allowance recorded	5,101	4,435
With a related allowance recorded	2,085	2,566
Total of impaired loans	7,186	7,001
Related Allowance	'	'
With no allowance recorded	0	0
With a related allowance recorded	341	296
Total of impaired loans	341	296
Construction, land acquisition and development [Member] | Real estate [Member]	'	'
Recorded Investment	'	'
With no allowance recorded	68	0
With a related allowance recorded	191	306
Total of impaired loans	259	306
Unpaid Principal Balance	'	'
With no allowance recorded	68	0
With a related allowance recorded	191	306
Total of impaired loans	259	306
Related Allowance	'	'
With no allowance recorded	0	0
With a related allowance recorded	1	1
Total of impaired loans	1	1
Commercial and Industrial [Member]	'	'
Recorded Investment	'	'
With no allowance recorded	0	0
With a related allowance recorded	0	0
Total of impaired loans	0	0
Unpaid Principal Balance	'	'
With no allowance recorded	0	0
With a related allowance recorded	0	0
Total of impaired loans	0	0
Related Allowance	'	'
With no allowance recorded	0	0
With a related allowance recorded	0	0
Total of impaired loans	0	0
State and political subdivisions [Member]	'	'
Recorded Investment	'	'
With no allowance recorded	0	0
With a related allowance recorded	0	0
Total of impaired loans	0	0
Unpaid Principal Balance	'	'
With no allowance recorded	0	0
With a related allowance recorded	0	0
Total of impaired loans	0	0
Related Allowance	'	'
With no allowance recorded	0	0
With a related allowance recorded	0	0
Total of impaired loans	$0	$0

Loans_Details_7

Loans (Details 7) (USD $)	3 Months Ended				9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014		Sep. 30, 2013		Sep. 30, 2014		Sep. 30, 2013
Financing Receivable, Impaired [Line Items]	'		'		'		'
Average Balance	$9,820		$12,567		$9,485		$13,601
Interest Income	62	[1]	88	[1]	173	[1]	282	[1]
Real estate [Member]	'		'		'		'
Financing Receivable, Impaired [Line Items]	'		'		'		'
Average Balance	9,391		12,567		9,050		13,601
Interest Income	59	[1]	88	[1]	165	[1]	282	[1]
Residential real estate [Member] | Real estate [Member]	'		'		'		'
Financing Receivable, Impaired [Line Items]	'		'		'		'
Average Balance	2,490		2,061		2,144		2,204
Interest Income	25	[1]	2	[1]	62	[1]	6	[1]
Commercial real estate [Member] | Real estate [Member]	'		'		'		'
Financing Receivable, Impaired [Line Items]	'		'		'		'
Average Balance	6,628		9,767		6,613		10,503
Interest Income	30	[1]	80	[1]	91	[1]	254	[1]
Construction, land acquisition and development [Member] | Real estate [Member]	'		'		'		'
Financing Receivable, Impaired [Line Items]	'		'		'		'
Average Balance	273		739		293		894
Interest Income	4	[1]	6	[1]	12	[1]	22	[1]
Commercial and Industrial [Member]	'		'		'		'
Financing Receivable, Impaired [Line Items]	'		'		'		'
Average Balance	66		0		98		0
Interest Income	0	[1]	0	[1]	0	[1]	0	[1]
Consumer [Member]	'		'		'		'
Financing Receivable, Impaired [Line Items]	'		'		'		'
Average Balance	363		0		337		0
Interest Income	3	[1]	0	[1]	8	[1]	0	[1]
State and Political Subdivisions [Member]	'		'		'		'
Financing Receivable, Impaired [Line Items]	'		'		'		'
Average Balance	0		0		0		0
Interest Income	$0	[1]	$0	[1]	$0	[1]	$0	[1]
[1]	Interest income represents income recognized on performing TDRs.

Loans_Details_8

Loans (Details 8) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Troubled Debt Restructured Loans	'	'	'	'
Number of Contracts	6	0	18	2
Pre-Modification Outstanding Recorded Investments	$411	$0	$1,200	$4,561
Post-Modification Outstanding Recorded Investments	413	0	1,287	4,561
Residential real estate [Member]	'	'	'	'
Troubled Debt Restructured Loans	'	'	'	'
Number of Contracts	6	0	12	0
Pre-Modification Outstanding Recorded Investments	411	0	780	0
Post-Modification Outstanding Recorded Investments	413	0	862	0
Commercial real estate [Member]	'	'	'	'
Troubled Debt Restructured Loans	'	'	'	'
Number of Contracts	0	0	4	2
Pre-Modification Outstanding Recorded Investments	0	0	238	4,561
Post-Modification Outstanding Recorded Investments	0	0	238	4,561
Construction, land acquisition and development [Member]	'	'	'	'
Troubled Debt Restructured Loans	'	'	'	'
Number of Contracts	0	0	0	0
Pre-Modification Outstanding Recorded Investments	0	0	0	0
Post-Modification Outstanding Recorded Investments	0	0	0	0
Consumer Loan [Member]	'	'	'	'
Troubled Debt Restructured Loans	'	'	'	'
Number of Contracts	0	0	2	0
Pre-Modification Outstanding Recorded Investments	0	0	182	0
Post-Modification Outstanding Recorded Investments	0	0	187	0
Commercial and Industrial Loan [Member]	'	'	'	'
Troubled Debt Restructured Loans	'	'	'	'
Number of Contracts	0	0	0	0
Pre-Modification Outstanding Recorded Investments	0	0	0	0
Post-Modification Outstanding Recorded Investments	$0	$0	$0	$0

Loans_Details_9

Loans (Details 9) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Financing Receivable, Modifications [Line Items]	'	'	'	'
Financing Receivable Type Of Modification Extension Of Term Amount	$148	'	$636	'
Financing Receivable Type Of Modifications Extension Of Term And Capitalization Of Taxes	40	'	391	'
Financing Receivable Type Of Modifications Capitalization Of Taxes	0	'	35	'
Financing Receivable Types Of Modifications Principal Forbearance	225	0	225	4,561
Financing Receivable Type of Modifications Amount	413	0	1,287	4,561
Residential Real Estate [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Financing Receivable Type Of Modification Extension Of Term Amount	148	'	263	'
Financing Receivable Type Of Modifications Extension Of Term And Capitalization Of Taxes	40	'	339	'
Financing Receivable Type Of Modifications Capitalization Of Taxes	0	'	35	'
Financing Receivable Types Of Modifications Principal Forbearance	225	0	225	0
Financing Receivable Type of Modifications Amount	413	0	862	0
Commercial Real Estate [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Financing Receivable Type Of Modification Extension Of Term Amount	0	'	238	'
Financing Receivable Type Of Modifications Extension Of Term And Capitalization Of Taxes	0	'	0	'
Financing Receivable Type Of Modifications Capitalization Of Taxes	0	'	0	'
Financing Receivable Types Of Modifications Principal Forbearance	0	0	0	4,561
Financing Receivable Type of Modifications Amount	0	0	238	4,561
Consumer Loan [Member]	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'
Financing Receivable Type Of Modification Extension Of Term Amount	0	'	135	'
Financing Receivable Type Of Modifications Extension Of Term And Capitalization Of Taxes	0	'	52	'
Financing Receivable Type Of Modifications Capitalization Of Taxes	0	'	0	'
Financing Receivable Types Of Modifications Principal Forbearance	0	0	0	0
Financing Receivable Type of Modifications Amount	$0	$0	$187	$0

Loans_Details_Textual

Loans (Details Textual) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013	Dec. 31, 2013
Financing Receivable, Modifications [Line Items]	'	'	'	'	'
Period Past Due For Classification Of Loans To Non Accrual Status	'	'	'90 days	'	'
Financing Receivable Amount Of Loans With Amount Outstanding Balance	$9,100,000	'	$9,100,000	'	$8,100,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	49,000	'	49,000	'	19,000
Financing Receivable, Recorded Investment, Nonaccrual Status	5,500,000	'	5,500,000	'	6,400,000
Loans Receivable Held-for-sale, Net	171,000	'	171,000	'	820,000
Financing Receivable Amount Of Nonaccrual Troubled Debt Restructuring Loans With Specified Minimum Amount Of Outstanding Balance	100,000	'	100,000	'	'
Financing Receivable Specific Reserve for Troubled Debt Restructurings	349,000	'	349,000	'	301,000
Interest Income Recognized On Non Accrual Loan And Restructured Loans	100,000	138,000	307,000	457,000	'
Financing Receivable Amount Of Nonaccrual Loans With Specified Minimum Amount Of Outstanding Balance Evaluated collectively	1,100,000	'	1,100,000	'	1,100,000
Loss on Sale of Other Loans and Leases	'	'	13,000	'	'
Troubled Debt Restructuring Increase In Allowances For LoanLosses	'	'	2,000	'	'
Education Loans Recorded Investment	2,600,000	'	2,600,000	'	'
Accruing Loans [Member]	'	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'	'
Troubled Debt Restructurings Amount	5,300,000	'	5,300,000	'	4,000,000
Non Accruing Loans [Member]	'	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'	'
Troubled Debt Restructurings Amount	3,800,000	'	3,800,000	'	4,100,000
One To Four Family Mortgages [Member]	'	'	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'	'	'
Loans Receivable Held-for-sale, Net	171,000	'	171,000	'	820,000
Recorded Investment of Mortgage Loans Sold	$1,700,000	'	$6,600,000	'	'

Other_Real_Estate_Owned_Detail

Other Real Estate Owned (Details) (USD $)	Sep. 30, 2014	Jun. 30, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Other Real Estate Owned Properties [Line Items]	'	'	'	'	'	'
Other real estate owned	$2,617	$3,182	$4,246	$4,405	$2,778	$3,983
Land/lots [Member]	'	'	'	'	'	'
Other Real Estate Owned Properties [Line Items]	'	'	'	'	'	'
Other real estate owned	1,476	'	3,549	'	'	'
Commercial Real Estate [Member]	'	'	'	'	'	'
Other Real Estate Owned Properties [Line Items]	'	'	'	'	'	'
Other real estate owned	1,114	'	647	'	'	'
Residential Real Estate [Member]	'	'	'	'	'	'
Other Real Estate Owned Properties [Line Items]	'	'	'	'	'	'
Other real estate owned	$27	'	$50	'	'	'

Other_Real_Estate_Owned_Detail1

Other Real Estate Owned (Details 1) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Other Real Estate [Roll Forward]	'	'	'	'
Balance, beginning of period	$3,182	$2,778	$4,246	$3,983
Property foreclosures	0	96	13	255
Bank premises transferred to OREO	0	1,819	1,749	1,819
Valuation adjustments	-429	-152	-2,199	-257
Carrying value of OREO sold	-136	-136	-1,192	-1,395
Balance, end of period	$2,617	$4,405	$2,617	$4,405

Other_Real_Estate_Owned_Detail2

Other Real Estate Owned (Details 2) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Other Real Estate Owned Properties [Line Items]	'	'	'	'
Foreclosed Real Estate Expense	$514	$318	$2,495	$768
Real Estates Insurance [Member]	'	'	'	'
Other Real Estate Owned Properties [Line Items]	'	'	'	'
Foreclosed Real Estate Expense	26	70	66	133
Real Estates Legal Fees [Member]	'	'	'	'
Other Real Estate Owned Properties [Line Items]	'	'	'	'
Foreclosed Real Estate Expense	14	40	38	122
Real Estates Maintenance [Member]	'	'	'	'
Other Real Estate Owned Properties [Line Items]	'	'	'	'
Foreclosed Real Estate Expense	2	16	17	43
Professional Fees [Member]	'	'	'	'
Other Real Estate Owned Properties [Line Items]	'	'	'	'
Foreclosed Real Estate Expense	5	21	83	44
Real Estate Taxes [Member]	'	'	'	'
Other Real Estate Owned Properties [Line Items]	'	'	'	'
Foreclosed Real Estate Expense	28	25	123	127
Real Estates Utilities [Member]	'	'	'	'
Other Real Estate Owned Properties [Line Items]	'	'	'	'
Foreclosed Real Estate Expense	4	0	8	9
Real Estates Other [Member]	'	'	'	'
Other Real Estate Owned Properties [Line Items]	'	'	'	'
Foreclosed Real Estate Expense	6	3	11	59
Real Estates Valuation Adjustments [Member]	'	'	'	'
Other Real Estate Owned Properties [Line Items]	'	'	'	'
Foreclosed Real Estate Expense	429	152	2,199	257
Real Estates Total expense [Member]	'	'	'	'
Other Real Estate Owned Properties [Line Items]	'	'	'	'
Foreclosed Real Estate Expense	514	327	2,545	794
Real Estates Income Loss from Operation of Foreclosed Properties [Member]	'	'	'	'
Other Real Estate Owned Properties [Line Items]	'	'	'	'
Foreclosed Real Estate Expense	$0	($9)	($50)	($26)

Other_Real_Estate_Owned_Detail3

Other Real Estate Owned (Details Textual) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Other Real Estate Owned Properties [Line Items]	'	'	'	'
Other Real Estate, Valuation Adjustments	$429,000	$152,000	$2,199,000	$257,000
Former Bank Premises [Member]	'	'	'	'
Other Real Estate Owned Properties [Line Items]	'	'	'	'
Other Real Estate, Valuation Adjustments	300,000	'	'	'
Stroudsburg Office [Member]	'	'	'	'
Other Real Estate Owned Properties [Line Items]	'	'	'	'
Other Real Estate (Beginning Balance)	'	'	1,700,000	'
Other Real Estate, Valuation Adjustments	'	'	800,000	'
Other Real Estate (Ending Balance)	900,000	'	900,000	'
Valuation Allowance, Real Estate Owned [Member]	'	'	'	'
Other Real Estate Owned Properties [Line Items]	'	'	'	'
Other Real Estate, Valuation Adjustments	$400,000	'	$2,200,000	'

Securities_Details

Securities (Details) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2013
Available-for-sale Securities	'	'
Amortized cost	$217,207	$208,552
Gross unrealized holding gains	2,133	1,566
Gross unrealized holding losses	1,928	6,251
Fair value	217,412	203,867
Held-to-maturity securities:	'	'
Amortized Cost	2,300	'
Fair value	0	2,424
Obligations of U.S. government agencies	'	'
Available-for-sale Securities	'	'
Amortized cost	18,885	'
Gross unrealized holding gains	357	'
Gross unrealized holding losses	0	'
Fair value	19,242	'
Obligations of state and political subdivisions	'	'
Available-for-sale Securities	'	'
Amortized cost	23,450	79,488
Gross unrealized holding gains	1,065	1,422
Gross unrealized holding losses	10	2,856
Fair value	24,505	78,054
Held-to-maturity securities:	'	'
Amortized Cost	'	2,308
Gross unrealized holding gains	'	116
Gross unrealized holding losses	'	0
Fair value	'	2,424
Collateralized mortgage obligations, Government sponsored agency	'	'
Available-for-sale Securities	'	'
Amortized cost	85,622	35,906
Gross unrealized holding gains	304	46
Gross unrealized holding losses	1,044	1,153
Fair value	84,882	34,799
Residential mortgage-backed securities, Government sponsored agency	'	'
Available-for-sale Securities	'	'
Amortized cost	87,740	91,648
Gross unrealized holding gains	407	98
Gross unrealized holding losses	760	2,090
Fair value	87,387	89,656
Corporate debt securities	'	'
Available-for-sale Securities	'	'
Amortized cost	500	500
Gross unrealized holding gains	0	0
Gross unrealized holding losses	65	93
Fair value	435	407
Equity securities	'	'
Available-for-sale Securities	'	'
Amortized cost	1,010	1,010
Gross unrealized holding gains	0	0
Gross unrealized holding losses	49	59
Fair value	$961	$951

Securities_Details_1

Securities (Details 1) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Amortized Cost, Available-for-sale	'	'
One year or less	$150	$595
After one year through five years	0	'
After five years through ten years	25,980	'
After ten years	16,705	'
Total	216,197	'
Fair Value, Available-for-sale	'	'
One year or less	149	'
After one year through five years	0	'
After five years through ten years	26,544	'
After ten years	17,489	'
Total	216,451	'
Collateralized mortgage obligations	'	'
Amortized Cost, Available-for-sale	'	'
Single Maturity	85,622	'
Fair Value, Available-for-sale	'	'
Single maturity	84,882	'
Residential mortgage-backed securities	'	'
Amortized Cost, Available-for-sale	'	'
Single Maturity	87,740	'
Fair Value, Available-for-sale	'	'
Single maturity	$87,387	'

Securities_Details_2

Securities (Details 2) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Investment Holdings [Line Items]	'	'
Less than 12 Months, Number of Securities	12	82
Less than 12 Months, Fair Value	$57,034	$144,564
Less than 12 Months, Gross Unrealized Losses	787	4,937
12 Months or Greater, Number of Securities	16	23
12 Months or Greater, Fair Value	59,355	14,443
12 Months or Greater, Gross Unrealized Losses	1,141	1,314
Total, Number of Securities	28	105
Total, Fair Value	116,389	159,007
Total, Gross Unrealized Losses	1,928	6,251
Obligations of U.S. government agencies	'	'
Investment Holdings [Line Items]	'	'
Less than 12 Months, Number of Securities	0	'
Less than 12 Months, Fair Value	0	'
Less than 12 Months, Gross Unrealized Losses	0	'
12 Months or Greater, Number of Securities	0	'
12 Months or Greater, Fair Value	0	'
12 Months or Greater, Gross Unrealized Losses	0	'
Total, Number of Securities	0	'
Total, Fair Value	0	'
Total, Gross Unrealized Losses	0	'
Obligations of state and political subdivisions	'	'
Investment Holdings [Line Items]	'	'
Less than 12 Months, Number of Securities	0	58
Less than 12 Months, Fair Value	0	33,835
Less than 12 Months, Gross Unrealized Losses	0	1,837
12 Months or Greater, Number of Securities	3	18
12 Months or Greater, Fair Value	736	4,756
12 Months or Greater, Gross Unrealized Losses	10	1,019
Total, Number of Securities	3	76
Total, Fair Value	736	38,591
Total, Gross Unrealized Losses	10	2,856
Collateralized mortgage obligations, Government sponsored agency	'	'
Investment Holdings [Line Items]	'	'
Less than 12 Months, Number of Securities	10	11
Less than 12 Months, Fair Value	49,973	31,683
Less than 12 Months, Gross Unrealized Losses	733	1,139
12 Months or Greater, Number of Securities	3	1
12 Months or Greater, Fair Value	8,544	833
12 Months or Greater, Gross Unrealized Losses	311	14
Total, Number of Securities	13	12
Total, Fair Value	58,517	32,516
Total, Gross Unrealized Losses	1,044	1,153
Residential mortgage-backed securities, Government sponsored agency	'	'
Investment Holdings [Line Items]	'	'
Less than 12 Months, Number of Securities	2	13
Less than 12 Months, Fair Value	7,061	79,046
Less than 12 Months, Gross Unrealized Losses	54	1,961
12 Months or Greater, Number of Securities	8	2
12 Months or Greater, Fair Value	48,689	7,506
12 Months or Greater, Gross Unrealized Losses	706	129
Total, Number of Securities	10	15
Total, Fair Value	55,750	86,552
Total, Gross Unrealized Losses	760	2,090
Corporate debt securities	'	'
Investment Holdings [Line Items]	'	'
Less than 12 Months, Number of Securities	0	0
Less than 12 Months, Fair Value	0	0
Less than 12 Months, Gross Unrealized Losses	0	0
12 Months or Greater, Number of Securities	1	1
12 Months or Greater, Fair Value	435	407
12 Months or Greater, Gross Unrealized Losses	65	93
Total, Number of Securities	1	1
Total, Fair Value	435	407
Total, Gross Unrealized Losses	65	93
Equity securities	'	'
Investment Holdings [Line Items]	'	'
Less than 12 Months, Number of Securities	0	0
Less than 12 Months, Fair Value	0	0
Less than 12 Months, Gross Unrealized Losses	0	0
12 Months or Greater, Number of Securities	1	1
12 Months or Greater, Fair Value	951	941
12 Months or Greater, Gross Unrealized Losses	49	59
Total, Number of Securities	1	1
Total, Fair Value	951	941
Total, Gross Unrealized Losses	$49	$59

Securities_Details_Textual

Securities (Details Textual) (USD $)	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013	Dec. 31, 2013
Investment Holdings [Line Items]	'	'	'	'	'
Available-for-sale Securities Pledged as Collateral	$215,900,000	'	$215,900,000	'	$204,200,000
Proceeds from Sale of Available-for-sale Securities	40,000,000	10,900,000	78,582,000	51,066,000	'
Available-for-sale Securities, Gross Realized Gains	2,900,000	800,000	5,600,000	3,000,000	'
Investments In Federal Home Loan Bank And Federal Reserve Bank Stock	'	'	5,700,000	'	3,500,000
Proceeds from Sale of Held-to-maturity Securities	'	'	2,686,000	0	'
Held-to-maturity Securities, Sold Security, Realized Gain (Loss)	'	'	400,000	'	'
Held-to-maturity Securities, Amortized Cost before Other than Temporary Impairment	2,300,000	'	2,300,000	'	'
Available-for-sale Securities, Gross Realized Losses	'	'	'	408,000	'
Other Assets [Member]	'	'	'	'	'
Investment Holdings [Line Items]	'	'	'	'	'
Federal Reserve Bank Stock	$1,300,000	'	$1,300,000	'	$1,300,000

Fair_Value_Measurements_Detail

Fair Value Measurements (Details) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Assets Measured at Fair Value on a Recurring Basis	'	'
Available-for-sale Securities, Total	$217,412	$203,867
Obligations of U.S. Government Agencies	'	'
Assets Measured at Fair Value on a Recurring Basis	'	'
Available-for-sale Securities, Total	19,242	'
Obligations of state and policitical subdivisions	'	'
Assets Measured at Fair Value on a Recurring Basis	'	'
Available-for-sale Securities, Total	24,505	78,054
Government sponsored agency Collateralized mortgage obligations	'	'
Assets Measured at Fair Value on a Recurring Basis	'	'
Available-for-sale Securities, Total	84,882	34,799
Government sponsored agency Residential mortgage backed securities	'	'
Assets Measured at Fair Value on a Recurring Basis	'	'
Available-for-sale Securities, Total	87,387	89,656
Corporate debt securities	'	'
Assets Measured at Fair Value on a Recurring Basis	'	'
Available-for-sale Securities, Total	435	407
Equity securities	'	'
Assets Measured at Fair Value on a Recurring Basis	'	'
Available-for-sale Securities, Total	961	951
Residential Mortgage Backed Securities Issued by US Government Sponsored Enterprises	'	'
Assets Measured at Fair Value on a Recurring Basis	'	'
Available-for-sale Securities, Total	87,387	89,656
Quoted prices in active markets for identical assets Level 1 [Member]	'	'
Assets Measured at Fair Value on a Recurring Basis	'	'
Available-for-sale Securities, Total	961	951
Quoted prices in active markets for identical assets Level 1 [Member] | Obligations of U.S. Government Agencies	'	'
Assets Measured at Fair Value on a Recurring Basis	'	'
Available-for-sale Securities, Total	0	'
Quoted prices in active markets for identical assets Level 1 [Member] | Obligations of state and policitical subdivisions	'	'
Assets Measured at Fair Value on a Recurring Basis	'	'
Available-for-sale Securities, Total	0	0
Quoted prices in active markets for identical assets Level 1 [Member] | Government sponsored agency Collateralized mortgage obligations	'	'
Assets Measured at Fair Value on a Recurring Basis	'	'
Available-for-sale Securities, Total	0	0
Quoted prices in active markets for identical assets Level 1 [Member] | Government sponsored agency Residential mortgage backed securities	'	'
Assets Measured at Fair Value on a Recurring Basis	'	'
Available-for-sale Securities, Total	0	0
Quoted prices in active markets for identical assets Level 1 [Member] | Corporate debt securities	'	'
Assets Measured at Fair Value on a Recurring Basis	'	'
Available-for-sale Securities, Total	0	0
Quoted prices in active markets for identical assets Level 1 [Member] | Equity securities	'	'
Assets Measured at Fair Value on a Recurring Basis	'	'
Available-for-sale Securities, Total	961	951
Fair value Level 2 [Member]	'	'
Assets Measured at Fair Value on a Recurring Basis	'	'
Available-for-sale Securities, Total	216,302	202,345
Fair value Level 2 [Member] | Obligations of U.S. Government Agencies	'	'
Assets Measured at Fair Value on a Recurring Basis	'	'
Available-for-sale Securities, Total	19,242	'
Fair value Level 2 [Member] | Obligations of state and policitical subdivisions	'	'
Assets Measured at Fair Value on a Recurring Basis	'	'
Available-for-sale Securities, Total	24,356	77,483
Fair value Level 2 [Member] | Government sponsored agency Collateralized mortgage obligations	'	'
Assets Measured at Fair Value on a Recurring Basis	'	'
Available-for-sale Securities, Total	84,882	34,799
Fair value Level 2 [Member] | Government sponsored agency Residential mortgage backed securities	'	'
Assets Measured at Fair Value on a Recurring Basis	'	'
Available-for-sale Securities, Total	87,387	89,656
Fair value Level 2 [Member] | Corporate debt securities	'	'
Assets Measured at Fair Value on a Recurring Basis	'	'
Available-for-sale Securities, Total	435	407
Fair value Level 2 [Member] | Equity securities	'	'
Assets Measured at Fair Value on a Recurring Basis	'	'
Available-for-sale Securities, Total	0	0
Fair Value Inputs Level 3 [Member]	'	'
Assets Measured at Fair Value on a Recurring Basis	'	'
Available-for-sale Securities, Total	149	571
Fair Value Inputs Level 3 [Member] | Obligations of U.S. Government Agencies	'	'
Assets Measured at Fair Value on a Recurring Basis	'	'
Available-for-sale Securities, Total	0	'
Fair Value Inputs Level 3 [Member] | Obligations of state and policitical subdivisions	'	'
Assets Measured at Fair Value on a Recurring Basis	'	'
Available-for-sale Securities, Total	149	571
Fair Value Inputs Level 3 [Member] | Government sponsored agency Collateralized mortgage obligations	'	'
Assets Measured at Fair Value on a Recurring Basis	'	'
Available-for-sale Securities, Total	0	0
Fair Value Inputs Level 3 [Member] | Government sponsored agency Residential mortgage backed securities	'	'
Assets Measured at Fair Value on a Recurring Basis	'	'
Available-for-sale Securities, Total	0	0
Fair Value Inputs Level 3 [Member] | Corporate debt securities	'	'
Assets Measured at Fair Value on a Recurring Basis	'	'
Available-for-sale Securities, Total	0	0
Fair Value Inputs Level 3 [Member] | Equity securities	'	'
Assets Measured at Fair Value on a Recurring Basis	'	'
Available-for-sale Securities, Total	$0	$0

Fair_Value_Measurements_Detail1

Fair Value Measurements (Details 1) (State and Political Subdivisions [Member], USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
State and Political Subdivisions [Member]	'	'	'	'
Rollforward of assets	'	'	'	'
Balance, beginning of period	$294	$845	$571	$1,739
Amortization	0	0	0	0
Accretion	0	0	0	0
Principal payments received	-150	-140	-445	-425
Sales	0	0	0	-622
Included in earnings	0	0	0	2
Included in other comprehensive income	5	5	23	16
Balance, end of period	$149	$710	$149	$710

Fair_Value_Measurements_Detail2

Fair Value Measurements (Details 2) (USD $)	Sep. 30, 2014		Dec. 31, 2013
In Thousands, unless otherwise specified
Fair value [Member]	'		'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'		'
Collateral-dependent impaired loans, Fair Value Disclosure	$5,399	[1]	$5,229	[1]
Other real estate owned, Fair Value Disclosure	2,450	[1]	3,931	[1]
Fair Value, Inputs, Level 1 [Member]	'		'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'		'
Collateral-dependent impaired loans, Fair Value Disclosure	0		0
Other real estate owned, Fair Value Disclosure	0		0
Fair Value, Inputs, Level 2 [Member]	'		'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'		'
Collateral-dependent impaired loans, Fair Value Disclosure	0		0
Other real estate owned, Fair Value Disclosure	0		0
Fair Value, Inputs, Level 3 [Member]	'		'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'		'
Collateral-dependent impaired loans, Fair Value Disclosure	5,399		5,229
Other real estate owned, Fair Value Disclosure	$2,450		$3,931
[1]	Represents carrying value and related write-downs for which adjustments are based on appraised value. Management makes adjustments to the appraised values as necessary to consider declines in real estate values since the time of the appraisal. Such adjustments are based on managementbs knowledge of the local real estate markets.

Fair_Value_Measurements_Detail3

Fair Value Measurements (Details 3) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Financial assets	'	'
Loans held for sale	$171	$820
Accrued interest receivable	2,158	2,191
Financial liabilities	'	'
Accrued interest payable	10,515	8,732
Carrying Value [Member]	'	'
Financial assets	'	'
Securities available for sale	217,412	203,867
Carrying Value [Member] | Fair Value, Inputs, Level 1 [Member]	'	'
Financial assets	'	'
Cash and short term investments	39,993	103,556
Carrying Value [Member] | Fair Value, Inputs, Level 2 [Member]	'	'
Financial assets	'	'
Securities held to maturity	0	2,308
FHLB and FRB Stock	5,706	3,496
Loans held for sale	171	820
Accrued interest receivable	2,158	2,191
Financial liabilities	'	'
Deposits	803,196	884,698
Borrowed funds	104,096	62,433
Accrued interest payable	10,515	8,732
Carrying Value [Member] | Fair Value, Inputs, Level 3 [Member]	'	'
Financial assets	'	'
Loans, net	666,262	629,880
Mortgage servicing rights	381	529
Fair value [Member]	'	'
Financial assets	'	'
Securities available for sale	217,412	203,867
Fair value [Member] | Fair Value, Inputs, Level 1 [Member]	'	'
Financial assets	'	'
Cash and short term investments	39,993	103,556
Fair value [Member] | Fair Value, Inputs, Level 2 [Member]	'	'
Financial assets	'	'
Securities held to maturity	0	2,424
FHLB and FRB Stock	5,706	3,496
Loans held for sale	171	820
Accrued interest receivable	2,158	2,191
Financial liabilities	'	'
Deposits	804,688	887,056
Borrowed funds	107,476	65,642
Accrued interest payable	10,515	8,732
Fair value [Member] | Fair Value, Inputs, Level 3 [Member]	'	'
Financial assets	'	'
Loans, net	666,879	632,536
Mortgage servicing rights	$961	$990

Fair_Value_Measurements_Detail4

Fair Value Measurements (Details Textual) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Available-for-sale Securities, Debt Maturities, Next Twelve Months, Amortized Cost Basis	$150	$595

Earnings_per_Share_Details

Earnings per Share (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, except Share data, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
EARNINGS PER SHARE	'	'	'	'
Net income	$3,358	$1,887	$13,451	$4,338
Basic weighted-average number of common shares outstanding (in shares)	16,471,569	16,457,169	16,471,569	16,457,169
Plus: common share equivalents (in shares)	0	0	282	0
Diluted weighted-average number of common shares outstanding (in shares)	16,471,569	16,457,169	16,471,851	16,457,169
Income per common share:	'	'	'	'
Basic (in dollars per share)	$0.20	$0.11	$0.82	$0.26
Diluted (in dollars per share)	$0.20	$0.11	$0.82	$0.26

Earnings_per_Share_Details_Tex

Earnings per Share (Details Textual)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	73,276	114,348

Other_Comprehensive_Income_Los2

Other Comprehensive Income (Loss) (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Taxes	$1,006	$278	$1,917	$870
Net of tax amount	-1,952	-539	-3,721	-1,688
Net gain on sale of securities [Member]	'	'	'	'
Reclassification adjustment for net gains reclassified into net income	-2,958	-817	-5,638	-2,558
Income taxes [Member]	'	'	'	'
Taxes	$1,006	$278	$1,917	$870

Other_Comprehensive_Income_Los3

Other Comprehensive Income (Loss) (Details 1) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Balance, beginning of period	$2,406	($1,142)	($3,092)	$6,698
Other comprehensive (loss) income before reclassifications	-319	-87	6,948	-6,778
Amounts reclassified from accumulated other comprehensive income (loss)	-1,952	-539	-3,721	-1,688
Net other comprehensive (loss) income during the period	-2,271	-626	3,227	-8,466
Balance, end of period	$135	($1,768)	$135	($1,768)

Related_Party_Transactions_Det

Related Party Transactions (Details) (USD $)	3 Months Ended				9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014		Sep. 30, 2013		Sep. 30, 2014		Sep. 30, 2013
Changes in the total amounts of outstanding loans, advances under lines of credit as well as repayments	'		'		'		'
Balance, end of period	$9,600		'		$9,600		'
Directors, executive officers and their related parties	'		'		'		'
Changes in the total amounts of outstanding loans, advances under lines of credit as well as repayments	'		'		'		'
Balance, beginning of period	34,152		35,366		32,506		33,296
Additions, new loans and advances	30,788		11,239		62,683		38,669
Repayments	-18,382		-13,646		-48,631		-38,750
Other	-248	[1]	0	[1]	-248	[1]	-256	[1]
Balance, end of period	$46,310		$32,959		$46,310		$32,959
[1]	Represents loans to related parties that ceased being related parties during the period.

Related_Party_Transactions_Det1

Related Party Transactions (Details Textual) (USD $)

9 Months Ended

3 Months Ended

9 Months Ended

3 Months Ended

9 Months Ended

Sep. 30, 2014

Sep. 30, 2013

Dec. 31, 2013

Sep. 30, 2014

Jun. 30, 2014

Dec. 31, 2013

Sep. 30, 2013

Jun. 30, 2013

Dec. 31, 2012

Sep. 30, 2014

Sep. 30, 2013

Sep. 30, 2014

Sep. 30, 2013

Sep. 30, 2014

Sep. 30, 2014

Sep. 30, 2013

Sep. 30, 2014

Sep. 30, 2013

Directors, executive officers and their related parties

Directors, executive officers and their related parties

Directors, executive officers and their related parties

Directors, executive officers and their related parties

Directors, executive officers and their related parties

Directors, executive officers and their related parties

Various companies of related parties

Various companies of related parties

Various companies of related parties

Various companies of related parties

Related Party

Subordinated Debt [Member]

Subordinated Debt [Member]

Subordinated Debt [Member]

Subordinated Debt [Member]

Related Party Transaction [Line Items]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Loans and Leases Receivable Related Parties Not Performing in Accordance with Term of Agreement

$90,000

[1]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Loans and Leases Receivable, Related Parties

9,600,000

'

'

46,310,000

34,152,000

32,506,000

32,959,000

35,366,000

33,296,000

'

'

'

'

'

'

'

'

'

Related Party Transaction, Amount of Participation Interest

5,200,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Related Party Transaction Amount Of Participation Interest Outstanding

3,800,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Related Party Deposit Liabilities

78,100,000

'

115,500,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Related Party Transactions, Interest Paid on Deposits

69,000

55,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Related Party Transactions, Subordinated Debt

'

'

'

9,000,000

'

10,000,000

'

'

'

'

'

'

'

1,000,000

'

'

'

'

Related Party Transactions, Interest Accrued and Unpaid

'

'

'

3,900,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Related Party Transaction, Expenses from Transactions with Related Party

'

'

'

'

'

'

'

'

'

1,200,000

900,000

2,200,000

2,400,000

'

'

'

'

'

Interest Expense, Related Party

'

'

'

'

'

'

'

'

'

'

'

'

'

'

$200,000

$200,000

$700,000

$700,000

[1]

Represents loans to related parties that ceased being related parties during the period.

Stock_Compensation_Plans_Detai

Stock Compensation Plans (Details) (USD $)	9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013
Stock Option Plans	'	'
Shares, Outstanding at the beginning of the period (in shares)	82,598	129,170
Shares, Granted (in shares)	0	0
Shares, Exercised (in shares)	0	0
Shares, Forfeited (in shares)	-9,322	-14,822
Shares, Outstanding at the end of the year (in shares)	73,276	114,348
Shares, Options exercisable at period end (in shares)	73,276	114,348
Weighted Average Exercise Price, Outstanding at the beginning of the period (in dollars per share)	$15.98	$14.26
Weighted Average Exercise Price, Granted (in dollars per share)	$0	$0
Weighted Average Exercise Price, Exercised (in dollars per share)	$0	$0
Weighted Average Exercise Price, Forfeited (in dollars per share)	$16.05	$13.81
Weighted Average Exercise Price, Outstanding at period end (in dollars per share)	$15.97	$14.32
Weighted Average Exercise Price, Options exercisable at period end (in dollars per share)	$15.97	$14.32
Weighted average fair value of options granted during the period (in dollars per share)	$0	$0
Weighted Average Exercise Price, Stock-based compensation expense	$0	$0

Stock_Compensation_Plans_Detai1

Stock Compensation Plans (Details 1) (USD $)	9 Months Ended
	Sep. 30, 2014
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]	'
Options Outstanding , Number of Outstanding (in shares)	73,276
Options Outstanding , Weighted Average Remaining Contractual life (in year)	'2 years 9 months 18 days
Options Outstanding , Weighted Average Exercise Price (in dollars per share)	$15.97
Options Excercisable, Number Exercisable (in shares)	73,276
Options Excercisable, Weighted Average Exercise Price (in dollars per share)	$15.97
Range of Exercise Price Dollars 10.81 to Dollars 23.13 Per Share [Member]	'
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]	'
Exercise price, low end of the range (in dollars per share)	$10.81
Exercise price, high end of the range (in dollars per share)	$23.13

Stock_Compensation_Plans_Detai2

Stock Compensation Plans (Details 2) (Restricted Stock [Member], USD $)	9 Months Ended
	Sep. 30, 2014
Restricted Stock [Member]	'
Pertaining to options outstanding	'
Unvested unrestricted stock awards - Beginning	0
Awards granted	45,750
Forfeitures	0
Vestings	0
Unvested unrestricted stock awards - Ending	45,750
Weighted-Average Grant Date Fair Value - Beginning	$0
Weighted-Average Grant Date Fair Value - Award granted	$6.70
Weighted-Average Grant Date Fair Value Forfeitures	$0
Weighted-Average Grant Date Fair Value Vestings	$0
Weighted-Average Grant Date Fair Value - Ending	$6.70

Stock_Compensation_Plans_Detai3

Stock Compensation Plans (Details Textual) (USD $)

9 Months Ended

9 Months Ended

0 Months Ended

9 Months Ended

Sep. 30, 2014

Sep. 30, 2013

Dec. 31, 2013

Dec. 31, 2012

Sep. 30, 2014

Sep. 30, 2014

Sep. 30, 2014

Dec. 02, 2013

Dec. 17, 2012

Sep. 30, 2014

Sep. 30, 2014

Nov. 27, 2013

Aug. 30, 2000

Aug. 30, 2000

Nov. 28, 2012

Restricted Stock [Member]

Long-Term Incentive Compensation Plan [Member]

Long-Term Incentive Compensation Plan [Member]

Employee Stock Grant Plan 2012 [Member]

Employee Stock Grant Plan 2012 [Member]

Employee Stock Grant Plan 2012 [Member]

Employee Stock Option Plan 2013 [Member]

Employee Stock Option Plan 2013 [Member]

Employee Stock Option [Member]

Employee Stock Option [Member]

Employee Stock Option [Member]

Restricted Stock [Member]

Employee Stock Incentive Plan [Member]

Directors Stock Option Plans [Member]

Employee Stock Grant Plan 2012 [Member]

Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized

'

'

'

'

'

1,200,000

'

'

'

'

'

15,000

1,100,000

550,000

16,000

Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price

$0

$0

'

'

'

'

'

'

'

$3.05

$4.26

'

'

'

'

Share Based Compensation Arrangement By Share Based Payment Award Options Total Cost

'

'

$61,000

$46,000

'

'

'

'

'

'

'

'

'

'

'

Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross

0

0

'

'

'

'

45,750

50

50

15,050

14,400

'

'

'

'

Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant

'

'

'

'

'

1,154,250

'

'

'

'

'

'

'

'

'

Allocated Share-based Compensation Expense

0

0

'

'

'

65,000

'

'

'

'

'

'

'

'

'

Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized

'

'

'

'

$242,000

'

'

'

'

'

'

'

'

'

'

Income_taxes_Details_Textual

Income taxes (Details Textual) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013	Dec. 31, 2013
Deferred Tax Assets, Valuation Allowance	$30,500,000	'	$30,500,000	'	$34,100,000
Income Tax Expense (Benefit)	$166,000	$0	$326,000	$0	'

Contingencies_Details_Textual

Contingencies (Details Textual) (USD $)	1 Months Ended	9 Months Ended	12 Months Ended
In Millions, unless otherwise specified	Mar. 28, 2014	Sep. 30, 2014	Dec. 31, 2013	Feb. 04, 2014
Condensed Financial Statements, Captions [Line Items]	'	'	'	'
Derivative Liability	'	'	'	$5
Litigation Settlement, Amount	5	'	'	'
Litigation Settlement Fees And Costs	'	2.5	2.5	'
Partial Indemnification Individual Defendants Paid	'	2.5	'	'
Accrued Liabilities and Other Liabilities	'	$2.50	'	'