Macatawa Bank (MCBC) 10-Q 24 Jul 14 2014 Q2 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information	6 Months Ended
	Jun. 30, 2014	Jul. 24, 2014
Document and Entity Information [Abstract]	'	'
Entity Registrant Name	'MACATAWA BANK CORP	'
Entity Central Index Key	'0001053584	'
Current Fiscal Year End Date	'--12-31	'
Entity Well-known Seasoned Issuer	'No	'
Entity Voluntary Filers	'No	'
Entity Current Reporting Status	'Yes	'
Entity Filer Category	'Accelerated Filer	'
Entity Common Stock, Shares Outstanding	'	33,788,431
Document Fiscal Year Focus	'2014	'
Document Fiscal Period Focus	'Q2	'
Document Type	'10-Q	'
Amendment Flag	'false	'
Document Period End Date	30-Jun-14	'

CONSOLIDATED_BALANCE_SHEETS_un

CONSOLIDATED BALANCE SHEETS (unaudited) (USD $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
ASSETS	'	'
Cash and due from banks	$37,533	$38,714
Federal funds sold and other short -term investments	80,432	118,178
Cash and cash equivalents	117,965	156,892
Interest-bearing time deposits in other financial institutions	32,500	25,000
Securities available for sale, at fair value	152,227	139,659
Securities held to maturity (fair value 2014 - $19,184 and 2013 - $19,278)	19,123	19,248
Federal Home Loan Bank (FHLB) stock	11,236	11,236
Loans held for sale, at fair value	1,409	1,915
Total loans	1,043,529	1,042,377
Allowance for loan losses	-20,049	-20,798
Net loans	1,023,480	1,021,579
Premises and equipment - net	53,308	53,641
Accrued interest receivable	3,264	3,231
Bank-owned life insurance	27,845	27,517
Other real estate owned	31,523	36,796
Net deferred tax asset	13,053	16,200
Other assets	4,209	4,491
Total assets	1,491,142	1,517,405
Deposits	'	'
Noninterest-bearing	383,102	344,550
Interest-bearing	832,622	905,184
Total deposits	1,215,724	1,249,734
Other borrowed funds	88,774	89,991
Long-term debt	41,238	41,238
Accrued expenses and other liabilities	7,314	3,920
Total liabilities	1,353,050	1,384,883
Commitments and contingent liabilities	'	'
Shareholders' equity	'	'
Common stock, no par value, 200,000,000 shares authorized; 33,788,431 shares issued and outstanding at June 30, 2014 and 33,801,097 shares issued and outstanding at December 31, 2013	216,308	216,263
Retained deficit	-77,745	-81,786
Accumulated other comprehensive income (loss)	-471	-1,955
Total shareholders' equity	138,092	132,522
Total liabilities and shareholders' equity	$1,491,142	$1,517,405

CONSOLIDATED_BALANCE_SHEETS_un1

CONSOLIDATED BALANCE SHEETS (unaudited) (Parenthetical) (USD $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, except Share data, unless otherwise specified
ASSETS	'	'
Securities held to maturity fair value	$19,184	$19,278
Shareholders' equity	'	'
Common stock, par value (in dollars per share)	$0	$0
Common stock, shares authorized (in shares)	200,000,000	200,000,000
Common stock, shares issued (in shares)	33,788,431	33,801,097
Common stock, shares outstanding (in shares)	33,788,431	33,801,097

CONSOLIDATED_STATEMENTS_OF_INC

CONSOLIDATED STATEMENTS OF INCOME (unaudited) (USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Interest income	'	'	'	'
Loans, including fees	$10,547,000	$11,493,000	$21,491,000	$23,161,000
Securities	'	'	'	'
Taxable	499,000	448,000	998,000	877,000
Tax-exempt	264,000	155,000	519,000	296,000
FHLB Stock	104,000	97,000	260,000	196,000
Federal funds sold and other short-term investments	114,000	114,000	230,000	210,000
Total interest income	11,528,000	12,307,000	23,498,000	24,740,000
Interest expense	'	'	'	'
Deposits	620,000	982,000	1,360,000	2,067,000
Other borrowings	426,000	444,000	857,000	894,000
Subordinated and long-term debt	326,000	418,000	650,000	832,000
Total interest expense	1,372,000	1,844,000	2,867,000	3,793,000
Net interest income	10,156,000	10,463,000	20,631,000	20,947,000
Provision for loan losses	-1,000,000	-1,000,000	-2,000,000	-1,750,000
Net interest income after provision for loan losses	11,156,000	11,463,000	22,631,000	22,697,000
Noninterest income	'	'	'	'
Service charges and fees	1,065,000	1,017,000	2,056,000	1,969,000
Net gains on mortgage loans	468,000	708,000	726,000	1,533,000
Trust fees	701,000	625,000	1,332,000	1,213,000
ATM and debit card fees	1,203,000	1,132,000	2,255,000	2,109,000
Gain on sale of securities	41,000	61,000	51,000	80,000
Other	590,000	668,000	1,158,000	1,270,000
Total noninterest income	4,068,000	4,211,000	7,578,000	8,174,000
Noninterest expense	'	'	'	'
Salaries and benefits	5,544,000	5,732,000	11,367,000	11,525,000
Occupancy of premises	932,000	905,000	1,940,000	1,851,000
Furniture and equipment	751,000	845,000	1,591,000	1,595,000
Legal and professional	238,000	183,000	443,000	373,000
Marketing and promotion	238,000	246,000	477,000	492,000
Data processing	583,000	589,000	1,172,000	1,135,000
FDIC assessment	320,000	345,000	647,000	817,000
Interchange and other card expense	265,000	361,000	537,000	652,000
Bond and D&O Insurance	163,000	183,000	327,000	368,000
Net losses on repossessed and foreclosed properties	371,000	294,000	185,000	353,000
Administration and disposition of problem assets	516,000	1,005,000	1,172,000	1,908,000
Other	1,317,000	1,187,000	2,550,000	2,387,000
Total noninterest expenses	11,238,000	11,875,000	22,408,000	23,456,000
Income before income tax	3,986,000	3,799,000	7,801,000	7,415,000
Income tax expense	1,231,000	1,196,000	2,408,000	2,338,000
Net income	2,755,000	2,603,000	5,393,000	5,077,000
Dividends declared on preferred shares	0	0	0	0
Net income available to common shares	$2,755,000	$2,603,000	$5,393,000	$5,077,000
Basic earnings per common share (in dollars per share)	$0.08	$0.10	$0.16	$0.19
Diluted earnings per common share (in dollars per share)	$0.08	$0.10	$0.16	$0.19
Cash dividends per common share (in dollars per share)	$0.02	$0	$0.04	$0

CONSOLIDATED_STATEMENTS_OF_COM

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (unaudited) (USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (unaudited) [Abstract]	'	'	'	'
Net income	$2,755,000	$2,603,000	$5,393,000	$5,077,000
Unrealized gains (losses):	'	'	'	'
Net change in unrealized gains (losses) on securities available for sale	1,190,000	-3,460,000	2,334,000	-3,603,000
Tax effect	-416,000	1,211,000	-817,000	1,261,000
Net change in unrealized gains (losses) on securities available for sale, net of tax	774,000	-2,249,000	1,517,000	-2,342,000
Less: reclassification adjustments:	'	'	'	'
Reclassification for gains included in net income	41,000	61,000	51,000	80,000
Tax effect	-14,000	-21,000	-18,000	-28,000
Reclassification for gains included in net income, net of tax	27,000	40,000	33,000	52,000
Other comprehensive income (loss), net of tax	747,000	-2,289,000	1,484,000	-2,394,000
Comprehensive income	$3,502,000	$314,000	$6,877,000	$2,683,000

CONSOLIDATED_STATEMENTS_OF_CHA

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (unaudited) (USD $)	Preferred Stock [Member]	Preferred Stock [Member]	Common Stock [Member]	Retained Deficit [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Total
In Thousands	Series A Preferred Stock [Member]	Series B Preferred Stock [Member]
Balance at Dec. 31, 2012	$30,604	$2,560	$187,718	($91,335)	$960	$130,507
Net income	'	'	'	5,077	'	5,077
Conversion of 300 shares of Preferred Stock Series B to 50,000 shares of Common Stock	'	-300	300	'	'	0
Common stock issuance costs	'	'	'	'	'	0
Net change in unrealized gain (loss) on securities available for sale, net of tax	'	'	'	'	-2,394	-2,394
Stock compensation expense	'	'	62	'	'	62
Balance at Jun. 30, 2013	30,604	2,260	188,080	-86,258	-1,434	133,252
Balance at Dec. 31, 2013	0	0	216,263	-81,786	-1,955	132,522
Net income	'	'	'	5,393	'	5,393
Common stock issuance costs	'	'	-102	'	'	-102
Cash dividends at $.04 per share	'	'	'	-1,352	'	-1,352
Net change in unrealized gain (loss) on securities available for sale, net of tax	'	'	'	'	1,484	1,484
Stock compensation expense	'	'	147	'	'	147
Balance at Jun. 30, 2014	$0	$0	$216,308	($77,745)	($471)	$138,092

CONSOLIDATED_STATEMENTS_OF_CHA1

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (unaudited) (Parenthetical) (USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Cash dividend (in dollars per share)	$0.02	$0	$0.04	$0
Preferred Stock [Member] | Series B [Member]	'	'	'	'
Conversion of Preferred Stock Series B to Common Stock (in shares)	'	'	'	300
Common Stock [Member]	'	'	'	'
Conversion of Preferred Stock Series B to Common Stock (in shares)	'	'	'	50,000

CONSOLIDATED_STATEMENTS_OF_CAS

CONSOLIDATED STATEMENTS OF CASH FLOWS (unaudited) (USD $)	6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013
Cash flows from operating activities	'	'
Net income	$5,393,000	$5,077,000
Adjustments to reconcile net income to net cash from operating activities:	'	'
Depreciation and amortization	1,558,000	1,452,000
Stock compensation expense	147,000	62,000
Provision for loan losses	-2,000,000	-1,750,000
Origination of loans for sale	-26,760,000	-63,160,000
Proceeds from sales of loans originated for sale	27,992,000	68,270,000
Net gains on mortgage loans	-726,000	-1,533,000
Gain on sales of securities	-51,000	-80,000
Write-down of other real estate	661,000	967,000
Net gain on sales of other real estate	-476,000	-614,000
Decrease in net deferred tax asset	2,348,000	2,283,000
Decrease (increase) in accrued interest receivable and other assets	249,000	-964,000
Earnings in bank-owned life insurance	-328,000	-358,000
Increase in accrued expenses and other liabilities	2,841,000	2,838,000
Net cash from operating activities	10,848,000	12,490,000
Cash flows from investing activities	'	'
Loan originations and payments, net	-2,175,000	36,966,000
Change in interest-bearing deposits in other financial institutions	-7,500,000	-25,000,000
Purchases of securities available for sale	-21,210,000	-27,049,000
Purchases of securities held to maturity	0	-1,100,000
Proceeds from:	'	'
Maturities and calls of securities available for sale	4,500,000	8,319,000
Sales of securities available for sale	5,164,000	3,778,000
Principal paydowns on securities	1,675,000	3,290,000
Sales of other real estate	7,362,000	8,138,000
Additions to premises and equipment	-910,000	-889,000
Net cash from investing activities	-13,094,000	6,453,000
Cash flows from financing activities	'	'
Change in in-market deposits	-34,010,000	-86,683,000
Repayments of other borrowed funds	-1,217,000	-1,164,000
Cash dividend paid	-1,352,000	0
Common stock issuance costs	-102,000	0
Net cash from financing activities	-36,681,000	-87,847,000
Net change in cash and cash equivalents	-38,927,000	-68,904,000
Cash and cash equivalents at beginning of period	156,892,000	226,358,000
Cash and cash equivalents at end of period	117,965,000	157,454,000
Supplemental cash flow information	'	'
Interest paid	2,873,000	3,061,000
Income taxes paid	50,000	55,000
Supplemental noncash disclosures:	'	'
Transfers from loans to other real estate	2,274,000	2,754,000
Securities settlement	-553,000	-1,626,000
Conversion of 300 shares of Preferred Stock Series B to 50,000 shares of common stock	$0	$300,000

CONSOLIDATED_STATEMENTS_OF_CAS1

CONSOLIDATED STATEMENTS OF CASH FLOWS (unaudited) (Parenthetical)	6 Months Ended
	Jun. 30, 2013
Preferred Stock [Member] | Series B Preferred Stock [Member]	'
Supplemental noncash disclosures:	'
Conversion of Preferred Stock Series B to common stock (in shares)	300
Common Stock [Member]	'
Supplemental noncash disclosures:	'
Conversion of Preferred Stock Series B to common stock (in shares)	50,000

SUMMARY_OF_SIGNIFICANT_ACCOUNT

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	6 Months Ended
	Jun. 30, 2014
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]	'
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	'
	NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
	Principles of Consolidation: The accompanying consolidated financial statements include the accounts of Macatawa Bank Corporation ("the Company", "our", "we") and its wholly-owned subsidiary, Macatawa Bank ("the Bank"). All significant intercompany accounts and transactions have been eliminated in consolidation.
	Macatawa Bank is a Michigan chartered bank with depository accounts insured by the Federal Deposit Insurance Corporation. The Bank operates 26 full service branch offices providing a full range of commercial and consumer banking and trust services in Kent County, Ottawa County, and northern Allegan County, Michigan.
	The Company owns all of the common stock of Macatawa Statutory Trust I and Macatawa Statutory Trust II. These are grantor trusts that issued trust preferred securities and are not consolidated with the Company under accounting principles generally accepted in the United States of America.
	Basis of Presentation: The accompanying unaudited consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by accounting principles generally accepted in the United States of America for complete financial statements. In the opinion of management, all adjustments (consisting only of normal recurring accruals) believed necessary for a fair presentation have been included.
	Operating results for the three and six month periods ended June 30, 2014 are not necessarily indicative of the results that may be expected for the year ending December 31, 2014. For further information, refer to the consolidated financial statements and related notes included in the Company's Annual Report on Form 10-K for the year ended December 31, 2013.
	Use of Estimates:  To prepare financial statements in conformity with accounting principles generally accepted in the United States of America, management makes estimates and assumptions based on available information.  These estimates and assumptions affect the amounts reported in the financial statements and the disclosures provided, and future results could differ.  The allowance for loan losses, valuation of deferred tax assets, loss contingencies, fair value of other real estate owned and fair values of financial instruments are particularly subject to change.
	Allowance for Loan Losses: The allowance for loan losses (allowance) is a valuation allowance for probable incurred credit losses inherent in our loan portfolio, increased by the provision for loan losses and recoveries, and decreased by charge-offs of loans. Management believes the allowance for loan losses balance to be adequate based on known and inherent risks in the portfolio, past loan loss experience, information about specific borrower situations and estimated collateral values, economic conditions and other relevant factors. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management’s judgment, should be charged-off. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Management continues its collection efforts on previously charged-off balances and applies recoveries as additions to the allowance for loan losses.
	The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired. The general component covers non-classified loans and is based on historical loss experience adjusted for current qualitative factors. The Company maintains a loss migration analysis that tracks loan losses and recoveries based on loan class and the loan risk grade assignment for commercial loans. At June 30, 2014, an 18 month annualized historical loss experience was used for commercial loans and a 12 month historical loss experience period was applied to residential mortgage loans and consumer loans. These historical loss percentages are adjusted (both upwards and downwards) for certain qualitative factors, including economic trends, credit quality trends, valuation trends, concentration risk, quality of loan review, changes in personnel, external factors and other considerations.
	A loan is impaired when, based on current information and events, it is believed to be probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans for which the terms have been modified and a concession has been made, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings and classified as impaired.
	Commercial and commercial real estate loans with relationship balances exceeding $500,000 and an internal risk grading of 6 or worse are evaluated for impairment. If a loan is impaired, a portion of the allowance is allocated and the loan is reported at the present value of estimated future cash flows using the loan’s existing interest rate or at the fair value of collateral, less estimated costs to sell, if repayment is expected solely from the collateral. Large groups of smaller balance homogeneous loans, such as consumer and residential real estate loans, are collectively evaluated for impairment and they are not separately identified for impairment disclosures.
	Troubled debt restructurings are also considered impaired with impairment generally measured at the present value of estimated future cash flows using the loan’s effective rate at inception or using the fair value of collateral, less estimated costs to sell, if repayment is expected solely from the collateral.
	Foreclosed Assets: Assets acquired through or instead of loan foreclosure, primarily other real estate owned, are initially recorded at fair value less estimated costs to sell when acquired, establishing a new cost basis. If fair value declines, a valuation allowance is recorded through expense. Costs after acquisition are expensed unless they add value to the property.
	Income Taxes: Income tax expense is the sum of the current year income tax due or refundable and the change in deferred tax assets and liabilities. Deferred tax assets and liabilities are the expected future tax consequences of temporary differences between the carrying amounts and tax bases of assets and liabilities, computed using enacted tax rates. A valuation allowance, if needed, reduces deferred tax assets to the amount expected to be realized.
	We recognize a tax position as a benefit only if it is "more likely than not" that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the "more likely than not" test, no tax benefit is recorded. We recognize interest and penalties related to income tax matters in income tax expense.
	Derivatives:  Certain of our commercial loan customers have entered into interest rate swap agreements directly with the Bank.  At the same time the Bank enters into a swap agreement with its customer, the Bank enters into a corresponding interest rate swap agreement with a correspondent bank at terms mirroring the Bank’s interest rate swap with its commercial loan customer.   This is known as a back-to-back swap agreement.  Under this arrangement the Bank has two freestanding interest rate swaps, both of which are carried at fair value.  As the terms mirror each other, there is no income statement impact to the Bank.  At June 30, 2014 and December 31, 2013, the total notional amount of such agreements was $20.0 million and resulted in derivative assets with fair values of $168,000 and $94,000, respectively, which were included in other assets and derivative liabilities of $168,000 and $94,000, respectively, which were included in other liabilities.
	Reclassifications: Some items in the prior period financial statements were reclassified to conform to the current presentation.
	Newly Issued Standards:
	The Financial Accounting Standards Board (“FASB”) has issued Accounting Standards Update (ASU) No. 2014-04, Receivables - Troubled Debt Restructurings by Creditors (Subtopic 310-40) - Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure. The amendments are intended to clarify when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan should be derecognized and the real estate recognized.  These amendments clarify that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either: (a) the creditor obtaining legal title to the 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. Additional disclosures are required.  The amendments are effective for  annual periods and interim periods within those annual periods beginning after December 15, 2014. The impact of adoption of this ASU by the Company is not expected to be material.
	FASB issued 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.  The amendments in this Update change the requirements for reporting discontinued operations.  A discontinued operation may include a component of an entity or a group of components of an entity, or a business or nonprofit activity. A disposal of a component of an entity or a 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 an entity’s operations and financial results.  The amendments in this Update require an entity to present, for each comparative period, the assets and liabilities of a disposal group that includes a discontinued operation separately in the asset and liability sections, respectively, of the statement of financial position.  This Update also requires additional disclosures about discontinued operations including pretax profit or loss, and any ongoing involvement with the discontinued operation.   The amendments are effective for annual periods and interim periods within those annual periods beginning after December 15, 2014. The impact of adoption of this ASU by the Company is not expected to be material.
	FASB issued ASU 2014-09, Revenue from Contracts with Customers (Topic 606).  The amendments in this Update creates a new topic in the FASB Accounting Standards Codification® (ASC or Codification), Topic 606. In addition to superseding and replacing nearly all existing U.S. GAAP revenue recognition guidance, including industry-specific guidance, ASC 606 establishes a new control-based revenue recognition model, changes the basis for deciding when revenue is recognized over time or at a point in time, provides new and more detailed guidance on specific topics and expands and improves disclosures about revenue.  In addition, ASU 2014-09 adds a new Subtopic to the Codification, ASC 340-40, Other Assets and Deferred Costs: Contracts with Customers, to provide guidance on costs related to obtaining a contract with a customer and costs incurred in fulfilling a contract with a customer that are not in the scope of another ASC Topic.   The new guidance does not apply to certain contracts within the scope of other ASC Topics, such as lease contracts, insurance contracts, financing arrangements, financial instruments, guarantees other than product or service warranties, and nonmonetary exchanges between entities in the same line of business to facilitate sales to customers. The amendments are effective for annual periods and interim periods within those annual periods beginning after December 15, 2016.  The impact of adoption of this ASU by the Company is not expected to be material.
	FASB has also issued ASU 2013-11, Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward or Tax Credit Carryforward Exists.  This update requires an unrecognized tax benefit, or a portion of an unrecognized tax benefit, to be presented in the statement of financial position as a reduction to a deferred tax asset for a net operating loss carryforward or a tax credit carryforward.  However, to the extent that a net operating loss carryforward or tax credit carryforward at the reporting date is not available under the tax law of the applicable jurisdiction to settle any additional income taxes that would result from the disallowance of a tax position, the unrecognized tax benefit is to be presented in the statement of financial position as a liability.  No new recurring disclosures are required.  The amendments are effective for public business entities for annual periods beginning after December 15, 2013, and interim periods within those periods.  The amendments are to be applied on a prospective basis to all unrecognized tax benefits that exist at the effective date, although retrospective application is permitted.  The impact of prospective adoption of this ASU by the Company in the first quarter of 2014 was not material

SECURITIES

SECURITIES	6 Months Ended
	Jun. 30, 2014
SECURITIES [Abstract]	'
SECURITIES	'
	NOTE 2 – SECURITIES
	The amortized cost and fair value of securities at period-end were as follows (dollars in thousands):
				Gross			Gross
		Amortized		Unrealized			Unrealized			Fair
		Cost		Gains			Losses			Value
	30-Jun-14
	Available for Sale:
	U.S. Treasury and federal agency securities	$	60,051	$	68		$	(744	)	$	59,375
	U.S. Agency MBS and CMOs		18,459		42			(299	)		18,202
	Tax-exempt state and municipal bonds		34,899		235			(400	)		34,734
	Taxable state and municipal bonds		25,087		438			(112	)		25,413
	Corporate bonds and other debt securities		12,956		85			(32	)		13,009
	Other equity securities		1,500		---			(6	)		1,494
		$	152,952	$	868		$	(1,593	)	$	152,227
	Held to Maturity
	Tax-exempt state and municipal bonds	$	19,123	$	102		$	(41	)	$	19,184
	31-Dec-13
	Available for Sale:
	U.S. Treasury and federal agency securities	$	55,701	$	92		$	(1,354	)	$	54,439
	U. S. Agency MBS and CMOs		20,029		9			(673	)		19,365
	Tax-exempt state and municipal bonds		27,920		47			(1,118	)		26,849
	Taxable state and municipal bonds		26,306		307			(285	)		26,328
	Corporate bonds and other debt securities		11,211		64			(63	)		11,212
	Other equity securities		1,500		---			(34	)		1,466
		$	142,667	$	519		$	(3,527	)	$	139,659
	Held to Maturity:
	Tax-exempt state and municipal bonds	$	19,248	$	46		$	(16	)	$	19,278
	Proceeds from the sale of securities available for sale were $4.6 million in the three month period ended June 30, 2014 and $5.2 million in the six month period ended June 30, 2014 resulting in net gains on sale of $41,000 and $51,000, respectively, as reported in the Consolidated Statements of Income.  This resulted in reclassifications of $41,000 ($27,000 net of tax) and $51,000 ($33,000 net of tax) from accumulated other comprehensive income to gain on sale of securities in the Consolidated Statements of Income in the three and six month periods ended June 30, 2014.   Proceeds from the sale of securities available for sale were $3.2 million in the three month period ended June 30, 2013 and $3.8 million in the six month period ended June 30, 2013 resulting in net gains on sale of $61,000 and $80,000, respectively, as reported in the Consolidated Statements of Income.  This resulted in reclassifications of $61,000 ($40,000 net of tax) and $80,000 ($52,000 net of tax) from accumulated other comprehensive income to gain on sale of securities in the Consolidated Statements of Income in the three and six month periods ended June 30, 2013.
	Contractual maturities of debt securities at June 30, 2014 were as follows (dollars in thousands):
		Held–to-Maturity Securities					Available-for-Sale Securities
		Amortized		Fair			Amortized			Fair
		Cost		Value			Cost			Value
	Due in one year or less	$	12,700	$	12,700		$	4,028		$	4,062
	Due from one to five years		630		632			70,537			70,788
	Due from five to ten years		5,533		5,599			51,123			50,491
	Due after ten years		260		253			25,764			25,392
		$	19,123	$	19,184		$	151,452		$	150,733
	Securities with unrealized losses at June 30, 2014 and December 31, 2013, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, were as follows (dollars in thousands):
		Less than 12 Months					12 Months or More						Total
		Fair		Unrealized			Fair			Unrealized			Fair		Unrealized
	30-Jun-14	Value		Loss			Value			Loss			Value		Loss
	U.S. Treasury and federal agency securities	$	8,109	$	(31	)	$	40,374		$	(713	)	$	48,483	$	(744	)
	U.S. Agency MBS and CMOs		4,298		(34	)		10,599			(265	)		14,897		(299	)
	Tax-exempt state and municipal bonds		21,946		(103	)		13,104			(338	)		35,050		(441	)
	Taxable state and municipal bonds		1,635		(4	)		4,503			(108	)		6,138		(112	)
	Corporate bonds and other debt securities		1,613		(6	)		1,979			(26	)		3,592		(32	)
	Other equity securities		---		---			1,500			(6	)		1,500		(6	)
	Total temporarily impaired	$	37,601	$	(178	)	$	72,059		$	(1,456	)	$	109,660	$	(1,634	)
		Less than 12 Months					12 Months or More						Total
		Fair		Unrealized			Fair			Unrealized			Fair		Unrealized
	31-Dec-13	Value		Loss			Value			Loss			Value		Loss
	U.S. Treasury and federal agency securities	$	43,212	$	(1,354	)	$	---		$	---		$	43,212	$	(1,354	)
	U.S. Agency MBS and CMOs		18,494		(673	)		---			---			18,494		(673	)
	Tax-exempt state and municipal bonds		21,359		(1,066	)		831			(68	)		22,190		(1,134	)
	Taxable state and municipal bonds		9,599		(256	)		1,015			(29	)		10,614		(285	)
	Corporate bonds and other debt securities		3,928		(63	)		---			---			3,928		(63	)
	Other equity securities		1,466		(34	)		---			---			1,466		(34	)
	Total temporarily impaired	$	98,058	$	(3,446	)	$	1,846		$	(97	)	$	99,904	$	(3,543	)
	Other-Than-Temporary-Impairment
	Management evaluates securities for other-than-temporary impairment ("OTTI") on at least a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. Management determined that no OTTI charges were necessary during the six month periods ended June 30, 2014 and 2013.
	Securities with a carrying value of approximately $1.0 million were pledged as security for public deposits, letters of credit and for other purposes required or permitted by law at June 30, 2014 and December 31, 2013.

LOANS

LOANS	6 Months Ended
	Jun. 30, 2014
LOANS [Abstract]	'
LOANS	'
	NOTE 3 – LOANS
	Portfolio loans were as follows (dollars in thousands):
		June 30,			December 31,
		2014			2013
	Commercial and industrial	$	284,152		$	274,099
	Commercial real estate:
	Residential developed		15,859			18,130
	Unsecured to residential developers		7,131			7,315
	Vacant and unimproved		42,186			42,988
	Commercial development		4,468			2,434
	Residential improved		72,241			76,294
	Commercial improved		246,414			247,195
	Manufacturing and industrial		76,295			77,984
	Total commercial real estate		464,594			472,340
	Consumer
	Residential mortgage		189,052			188,648
	Unsecured		1,096			1,337
	Home equity		94,484			95,961
	Other secured		10,151			9,992
	Total consumer		294,783			295,938
	Total loans		1,043,529			1,042,377
	Allowance for loan losses		(20,049	)		(20,798	)
		$	1,023,480		$	1,021,579
	Activity in the allowance for loan losses by portfolio segment was as follows (dollars in thousands):
		Commercial			Commercial
		and
	Three months ended June 30, 2014	Industrial			Real Estate			Consumer			Unallocated		Total
	Beginning balance	$	6,087		$	10,372		$	3,875		$	49	$	20,383
	Charge-offs		---			(23	)		(69	)		---		(92	)
	Recoveries		327			363			68			---		758
	Provision for loan losses		307			(1,371	)		59			5		(1,000	)
	Ending Balance	$	6,721		$	9,341		$	3,933		$	54	$	20,049
		Commercial			Commercial
		and
	Three months ended June 30, 2013	Industrial			Real Estate			Consumer			Unallocated		Total
	Beginning balance	$	5,980		$	13,358		$	4,102		$	47	$	23,487
	Charge-offs		(87	)		(222	)		(389	)		---		(698	)
	Recoveries		71			310			78			---		459
	Provision for loan losses		(362	)		(1,122	)		464			20		(1,000	)
	Ending Balance	$	5,602		$	12,324		$	4,255		$	67	$	22,248
		Commercial			Commercial
		and
	Six months ended June 30, 2014	Industrial			Real Estate			Consumer			Unallocated		Total
	Beginning balance	$	6,174		$	10,868		$	3,703		$	53	$	20,798
	Charge-offs		(39	)		(23	)		(112	)				(174	)
	Recoveries		366			953			106					1,425
	Provision for loan losses		220			(2,457	)		236			1		(2,000	)
	Ending Balance	$	6,721		$	9,341		$	3,933		$	54	$	20,049
		Commercial			Commercial
		and
	Six months ended June 30, 2013	Industrial			Real Estate			Consumer			Unallocated		Total
	Beginning balance	$	6,459		$	13,457		$	3,787		$	36	$	23,739
	Charge-offs		(249	)		(459	)		(633	)		---		(1,341	)
	Recoveries		427			994			179			---		1,600
	Provision for loan losses		(1,035	)		(1,668	)		922			31		(1,750	)
	Ending Balance	$	5,602		$	12,324		$	4,255		$	67	$	22,248
	The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method (dollars in thousands):
		Commercial			Commercial
		and
	30-Jun-14	Industrial			Real Estate			Consumer			Unallocated		Total
	Allowance for loan losses:
	Ending allowance attributable to loans:
	Individually reviewed for impairment	$	3,006		$	839		$	884		$	---	$	4,729
Collectively evaluated for impairment		3,715			8,502			3,049			54		15,320
Total ending allowance balance	$	6,721		$	9,341		$	3,933		$	54	$	20,049
Loans:
Individually reviewed for impairment	$	10,371		$	38,946		$	14,547		$	---	$	63,864
Collectively evaluated for impairment		273,781			425,648			280,236			---		979,665
Total ending loans balance	$	284,152		$	464,594		$	294,783		$	---	$	1,043,529
	Commercial			Commercial
	and
31-Dec-13	Industrial			Real Estate			Consumer			Unallocated		Total
Allowance for loan losses:
Ending allowance attributable to loans:
Individually reviewed for impairment	$	1,981		$	1,008		$	881		$	---	$	3,870
Collectively evaluated for impairment		4,193			9,860			2,822			53		16,928
Total ending allowance balance	$	6,174		$	10,868		$	3,703		$	53	$	20,798
Loans:
Individually reviewed for impairment	$	13,155		$	41,285		$	14,483		$	---	$	68,923
Collectively evaluated for impairment		260,944			431,055			281,455			---		973,454
Total ending loans balance	$	274,099		$	472,340		$	295,938		$	---	$	1,042,377
The following table presents loans individually evaluated for impairment by class of loans as of June 30, 2014 (dollars in thousands):
	Unpaid
	Principal			Recorded			Allowance
30-Jun-14	Balance			Investment			Allocated
With no related allowance recorded:
Commercial and industrial	$	2,892		$	2,892		$	---
Commercial real estate:
Residential developed		4,358			3,425			---
Unsecured to residential developers		---			---			---
Vacant and unimproved		---			---			---
Commercial development		263			263			---
Residential improved		1,453			1,453			---
Commercial improved		473			473			---
Manufacturing and industrial		253			253			---
		6,800			5,867			---
Consumer:
Residential mortgage		---			---			---
Unsecured		---			---			---
Home equity		---			---			---
Other secured		---			---			---
		---			---			---
	$	9,692		$	8,759		$	---
With an allowance recorded:
Commercial and industrial	$	7,479		$	7,479		$	3,006
Commercial real estate:
Residential developed		596			596			34
Unsecured to residential developers		---			---			---
Vacant and unimproved		1,625			1,625			37
Commercial development		203			203			5
Residential improved		7,546			7,546			234
Commercial improved		18,102			18,102			454
Manufacturing and industrial		5,007			5,007			75
		33,079			33,079			839
Consumer:
Residential mortgage		9,577			9,577			582
Unsecured		---			---			---
Home equity		4,970			4,970			302
Other secured		---			---			---
		14,547			14,547			884
	$	55,105		$	55,105		$	4,729
Total	$	64,797		$	63,864		$	4,729
The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2013 (dollars in thousands):
	Unpaid
	Principal			Recorded			Allowance
31-Dec-13	Balance			Investment			Allocated
With no related allowance recorded:
Commercial and industrial	$	3,287		$	3,284		$	---
Commercial real estate:
Residential developed		5,273			4,340			---
Unsecured to residential developers		---			---			---
Vacant and unimproved		3			3			---
Commercial development		362			362			---
Residential improved		1,493			1,493			---
Commercial improved		2,797			2,272			---
Manufacturing and industrial		252			252			---
		10,180			8,722			---
Consumer:
Residential mortgage		---			---			---
Unsecured		---			---			---
Home equity		---			---			---
Other secured		---			---			---
		---			---			---
	$	13,467		$	12,006		$	---
With an allowance recorded:
Commercial and industrial	$	9,871		$	9,871		$	1,981
Commercial real estate:
Residential developed		618			618			33
Unsecured to residential developers		---			---			---
Vacant and unimproved		1,900			1,900			47
Commercial development		207			207			5
Residential improved		9,534			9,534			342
Commercial improved		14,450			14,450			479
Manufacturing and industrial		5,854			5,854			102
		32,563			32,563			1,008
Consumer:
Residential mortgage		9,454			9,454			575
Unsecured		---			---			---
Home equity		5,029			5,029			306
Other secured		---			---			---
		14,483			14,483			881
	$	56,917		$	56,917		$	3,870
Total	$	70,384		$	68,923		$	3,870
The following table presents information regarding average balances of impaired loans and interest recognized on impaired loans for the three and six month periods ended June 30, 2014 and 2013 (dollars in thousands):
	Three			Three			Six			Six
	Months			Months			Months			Months
	Ended			Ended			Ended			Ended
	June 30,			June 30,			June 30,			June 30,
	2014			2013			2014			2013
Average of impaired loans during the period:
Commercial and industrial	$	11,908		$	14,823		$	12,176		$	16,027
Commercial real estate:
Residential developed		4,085			6,553			4,308			6,841
Unsecured to residential developers		---			---			---			---
Vacant and unimproved		1,650			3,031			1,735			3,339
Commercial development		483			14			505			15
Residential improved		9,863			11,678			10,141			12,102
Commercial improved		18,133			21,032			18,212			21,488
Manufacturing and industrial		6,404			6,136			6,562			6,577
Consumer		14,400			15,183			14,408			14,917
Interest income recognized during impairment:
Commercial and industrial		273			784			611			1,127
Commercial real estate		454			816			907			1,434
Consumer		137			137			269			260
Cash-basis interest income recognized
Commercial and industrial		276			599			615			935
Commercial real estate		471			879			922			1,469
Consumer		137			133			271			257
Nonaccrual loans include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans.  The following tables present the recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans as of June 30, 2014 and December 31, 2013:
				Over 90
				days
30-Jun-14	Nonaccrual			Accruing
Commercial and industrial	$	3,485		$	---
Commercial real estate:
Residential developed		2,249			---
Unsecured to residential developers		---			---
Vacant and unimproved		---			---
Commercial development		29			---
Residential improved		925			---
Commercial improved		601			151
Manufacturing and industrial		---			---
		3,804			151
Consumer:
Residential mortgage		142			---
Unsecured		78			---
Home equity		326			79
Other secured		---			---
		546			79
Total	$	7,835		$	230
				Over 90
				days
31-Dec-13	Nonaccrual			Accruing
Commercial and industrial	$	5,625		$	---
Commercial real estate:
Residential developed		2,590			153
Unsecured to residential developers		---			---
Vacant and unimproved		---			---
Commercial development		23			---
Residential improved		429			---
Commercial improved		2,511			---
Manufacturing and industrial		---			---
		5,553			153
Consumer:
Residential mortgage		639			---
Unsecured		33			---
Home equity		332			---
Other secured		---			---
		1,004			---
Total	$	12,182		$	153
The following table presents the aging of the recorded investment in past due loans as of June 30, 2014 and December 31, 2013 by class of loans (dollars in thousands):
	30-90			Greater Than			Total			Loans Not
30-Jun-14	Days			90 Days			Past Due			Past Due		Total
Commercial and industrial	$	19		$	121		$	140		$	284,012	$	284,152
Commercial real estate:
Residential developed		---			1,968			1,968			13,891		15,859
Unsecured to residential developers		---			---			---			7,131		7,131
Vacant and unimproved		48			---			48			42,138		42,186
Commercial development		---			29			29			4,439		4,468
Residential improved		246			574			820			71,421		72,241
Commercial improved		381			434			815			245,599		246,414
Manufacturing and industrial		---			---			---			76,295		76,295
		675			3,005			3,680			460,914		464,594
Consumer:
Residential mortgage		664			141			805			188,247		189,052
Unsecured		66			---			66			1,030		1,096
Home equity		81			392			473			94,011		94,484
Other secured		12			---			12			10,139		10,151
		823			533			1,356			293,427		294,783
Total	$	1,517		$	3,659		$	5,176		$	1,038,353	$	1,043,529
	30-90			Greater Than			Total			Loans Not
31-Dec-13	Days			90 Days			Past Due			Past Due		Total
Commercial and industrial	$	---		$	---		$	---		$	274,099	$	274,099
Commercial real estate:
Residential developed		143			2,296			2,439			15,691		18,130
Unsecured to residential developers		---			---			---			7,315		7,315
Vacant and unimproved		---			---			---			42,988		42,988
Commercial development		---			23			23			2,411		2,434
Residential improved		98			50			148			76,146		76,294
Commercial improved		438			2,056			2,494			244,701		247,195
Manufacturing and industrial		---			---			---			77,984		77,984
		679			4,425			5,104			467,236		472,340
Consumer:
Residential mortgage		78			---			78			188,570		188,648
Unsecured		9			---			9			1,328		1,337
Home equity		317			---			317			95,644		95,961
Other secured		12			---			12			9,980		9,992
		416			---			416			295,522		295,938
Total	$	1,095		$	4,425		$	5,520		$	1,036,857	$	1,042,377
The Company had allocated $4,729,000 and $3,870,000 of specific reserves to customers whose loan terms have been modified in troubled debt restructurings (“TDRs”) as of June 30, 2014 and December 31, 2013, respectively.  These loans involved the restructuring of terms to allow customers to mitigate the risk of foreclosure by meeting a lower loan payment requirement based upon their current cash flow.  These may also include loans that renewed at existing contractual rates, but below market rates for comparable credit.  The Company has been active at utilizing these programs and working with its customers to reduce the risk of foreclosure.  For commercial loans, these modifications typically include an interest only period and, in some cases, a lowering of the interest rate on the loan.  In some cases, the modification will include separating the note into two notes with the first note structured to be supported by current cash flows and collateral, and the second note made for the remaining unsecured debt.  The second note is charged off immediately and collected only after the first note is paid in full.  This modification type is commonly referred to as an A-B note structure.  For consumer mortgage loans, the restructuring typically includes a lowering of the interest rate to provide payment and cash flow relief.  For each restructuring, a comprehensive credit underwriting analysis of the borrower’s financial condition and prospects of repayment under the revised terms is performed to assess whether the structure can be successful and that cash flows will be sufficient to support the restructured debt.  An analysis is also performed to determine whether the restructured loan should be on accrual status.  Generally, if the loan is on accrual at the time of restructure, it will remain on accrual after the restructuring.  In some cases, a nonaccrual loan may be placed on accrual at restructuring if the loan’s actual payment history demonstrates it would have cash flowed under the restructured terms.  After six consecutive payments under the restructured terms, a nonaccrual restructured loan is reviewed for possible upgrade to accruing status.
Typically, once a loan is identified as a TDR, it will retain that designation until it is paid off, since the restructured loans generally are not at market rates at the time of restructuring.  An exception to this would be a loan that is modified under an A-B note structure.  If the remaining “A” note is at a market rate at the time of restructuring (taking into account the borrower’s credit risk and prevailing market conditions), the loan can be removed from TDR designation in a subsequent calendar year after six months of performance in accordance with the new terms.  The market rate relative to the borrower’s credit risk is determined through analysis of market pricing information gathered from peers and use of a loan pricing model.  The general objective of the model is to achieve a consistent return on equity from one credit to the next, taking into consideration differences in credit risk.  In the model, credits with higher risk receive a higher potential loss allocation, and therefore require a higher interest rate to achieve the target return on equity.  In general, when a loan is removed from TDR status it would no longer be considered impaired.  As a result, allowance allocations for loans removed from TDR status would be based on the historical based allocation for the applicable loan grade and loan class.  During the three and six months ended June 30, 2014 and throughout 2013, no loans were removed from TDR status.  Given the nature of the TDRs outstanding at June 30, 2014, it is unlikely that any such loans will be removed from TDR status in 2014.
As with other impaired loans, an allowance for loan loss is estimated for each TDR based on the most likely source of repayment for each loan.  For impaired commercial real estate loans that are collateral dependent, the allowance is computed based on the fair value of the underlying collateral.  For impaired commercial loans where repayment is expected from cash flows from business operations, the allowance is computed based on a discounted cash flow computation.  Certain groups of TDRs, such as residential mortgages, have common characteristics and for them the allowance is computed based on a discounted cash flow computation on the change in weighted rate for the pool.  The allowance allocations for commercial TDRs where we have reduced the contractual interest rate are computed by measuring cash flows using the new payment terms discounted at the original contractual rate.
The following table presents information regarding troubled debt restructurings as of June 30, 2014 and December 31, 2013 (dollars in thousands):
	30-Jun-14						31-Dec-13
	Number of			Outstanding			Number of			Outstanding
	Loans			Recorded			Loans			Recorded
				Balance						Balance
Commercial and industrial		41		$	9,851			43		$	7,787
Commercial real estate		106			39,348			122			45,774
Consumer		106			14,585			106			14,531
		253		$	63,784			271		$	68,092
The following tables present information regarding troubled debt restructurings executed during the three month periods ended June 30, 2014 and 2013 (dollars in thousands):
Three Months Ended June 30, 2014	Number of Loans			Pre-Modification			Principal
				Outstanding			Writedown upon
				Recorded Balance			Modification
Commercial and industrial		---		$	---		$	---
Commercial real estate		6			1,783			---
Consumer		1			70			---
		7		$	1,853		$	---
Three Months Ended June 30, 2013	Number of Loans			Pre-Modification			Principal
				Outstanding			Writedown upon
				Recorded Balance			Modification
Commercial and industrial		2		$	237		$	---
Commercial real estate		4			1,276			---
Consumer		7			448			---
		13		$	1,961		$	---
The following tables present information regarding troubled debt restructurings executed during the six month periods ended June 30, 2014 and 2013 (dollars in thousands):
Six Months Ended June 30, 2014	Number of Loans			Pre-Modification			Principal
				Outstanding			Writedown upon
				Recorded Balance			Modification
Commercial and industrial		1		$	60		$	---
Commercial real estate		10			4,046			---
Consumer		2			74			---
		13		$	4,180		$	---
Six Months Ended June 30, 2013	Number of Loans			Pre-Modification			Principal
				Outstanding			Writedown upon
				Recorded Balance			Modification
Commercial and industrial		3		$	262		$	---
Commercial real estate		9			2,717			---
Consumer		30			5,469			1,770
		42		$	8,448		$	1,770
According to the accounting standards, not all loan modifications are TDRs.  TDRs are modifications or renewals where the Company has granted a concession to a borrower in financial distress.  The Company reviews all modifications and renewals for determination of TDR status.  In some situations a borrower may be experiencing financial distress, but the Company does not provide a concession.  These modifications are not considered TDRs.  In other cases, the Company might provide a concession, such as a reduction in interest rate, but the borrower is not experiencing financial distress.  This could be the case if the Company is matching a competitor’s interest rate.  These modifications would also not be considered TDRs.  Finally, any renewals at existing terms for borrowers not experiencing financial distress would not be considered TDRs.  The following table presents information regarding modifications and renewals executed during the three month periods ended June 30, 2014 and 2013 that are not considered TDRs (dollars in thousands):
	Three Months Ended						Three Months Ended
	30-Jun-14						30-Jun-13
	Number of			Outstanding			Number of			Outstanding
	Loans			Recorded			Loans			Recorded
				Balance						Balance
Commercial and industrial		133		$	23,840			124		$	18,526
Commercial real estate		61			17,328			103			40,047
Consumer		4			273			17			738
		198		$	41,441			244		$	59,311
The following table presents information regarding modifications and renewals executed during the six month periods ended June 30, 2014 and 2013 that are not considered TDRs (dollars in thousands):
	Six Months Ended						Six Months Ended
	30-Jun-14						30-Jun-13
	Number of			Outstanding			Number of			Outstanding
	Loans			Recorded			Loans			Recorded
				Balance						Balance
Commercial and industrial		198		$	39,824			210		$	48,453
Commercial real estate		101			24,913			197			75,636
Consumer		12			1,275			28			932
		311		$	66,012			435		$	125,021
The table below presents, by class, information regarding troubled debt restructured loans which had payment defaults during the three month periods ended June 30, 2014 and 2013 (dollars in thousands). Included are loans that became delinquent more than 90 days past due or transferred to nonaccrual within 12 months of restructuring.
	Three Months Ended						Three Months Ended
	30-Jun-14						30-Jun-13
	Number of			Outstanding			Number of			Outstanding
	Loans			Recorded			Loans			Recorded
				Balance						Balance
Commercial and industrial		---		$	---			---		$	---
Commercial real estate		---			---			---			---
Consumer		---			---			---			---
The table below presents, by class, information regarding troubled debt restructured loans which had payment defaults during the six month periods ended June 30, 2014 and 2013 (dollars in thousands). Included are loans that became delinquent more than 90 days past due or transferred to nonaccrual within 12 months of restructuring.
	Six Months Ended						Six Months Ended
	30-Jun-14						30-Jun-13
	Number of			Outstanding			Number of			Outstanding
	Loans			Recorded			Loans			Recorded
				Balance						Balance
Commercial and industrial		---		$	---			---		$	---
Commercial real estate		1			131			---			---
Consumer		---			---			---			---
Credit Quality Indicators: The Company categorizes loans into risk categories based on relevant information about the ability of the borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information and current economic trends, among other factors.  The Company analyzes commercial loans individually and classifies these relationships by credit risk grading.  The Company uses an eight point grading system, with grades 5 through 8 being considered classified, or watch, credits.  All commercial loans are assigned a grade at origination, at each renewal or any amendment.  When a credit is first downgraded to a watch credit (either through renewal, amendment, loan officer identification or the loan review process), an Administrative Loan Review (“ALR”) is generated by credit and the loan officer.  All watch credits have an ALR completed monthly which analyzes the collateral position and cash flow of the borrower and its guarantors.  The loan officer is required to complete both a short term and long term plan to rehabilitate or exit the credit and to give monthly comments on the progress to these plans.  Management meets quarterly with loan officers to discuss each of these credits in detail and to help formulate solutions where progress has stalled.  When necessary, the loan officer proposes changes to the assigned loan grade as part of the ALR.  Additionally, Loan Review reviews all loan grades upon origination, renewal or amendment and again as loans are selected though the loan review process.  The credit will stay on the ALR until either its grade has improved to a 4 or the credit relationship is at a zero balance.  The Company uses the following definitions for the risk grades:
1. Excellent - Loans supported by extremely strong financial condition or secured by the Bank’s own deposits. Minimal risk to the Bank and the probability of serious rapid financial deterioration is extremely small.
2. Above Average - Loans supported by sound financial statements that indicate the ability to repay or borrowings secured (and margined properly) with marketable securities. Nominal risk to the Bank and probability of serious financial deterioration is highly unlikely. The overall quality of these credits is very high.
3. Good Quality - Loans supported by satisfactory asset quality and liquidity, good debt capacity coverage, and good management in all critical positions. Loans are secured by acceptable collateral with adequate margins. There is a slight risk of deterioration if adverse market conditions prevail.
4. Acceptable Risk - Loans carrying an acceptable risk to the Bank, which may be slightly below average quality. The borrower has limited financial strength with considerable leverage. There is some probability of deterioration if adverse market conditions prevail. These credits should be monitored closely by the Relationship Manager.
5. Marginally Acceptable - Loans are of marginal quality with above normal risk to the Bank. The borrower shows acceptable asset quality but very little liquidity with high leverage. There is inconsistent earning performance without the ability to sustain adverse market conditions. The primary source of repayment is questionable, but the secondary source of repayment still remains an option. Very close attention by the Relationship Manager and management is needed.
6. Substandard - Loans are inadequately protected by the net worth and paying capacity of the borrower or the collateral pledged. The primary and secondary sources of repayment are questionable. Heavy debt condition may be evident and volume and earnings deterioration may be underway. It is possible that the Bank will sustain some loss if the deficiencies are not immediately addressed and corrected.
7. Doubtful - Loans supported by weak or no financial statements, as well as the ability to repay the entire loan, are questionable. Loans in this category are normally characterized less than adequate collateral, insolvent, or extremely weak financial condition. A loan classified doubtful has all the weaknesses inherent in one classified substandard with the added characteristic that the weaknesses makes collection or liquidation in full highly questionable. The possibility of loss is extremely high, however, activity may be underway to minimize the loss or maximize the recovery.
8. Loss - Loans are considered uncollectible and of little or no value as a bank asset.
As of June 30, 2014 and December 31, 2013, the risk grade category of commercial loans by class of loans were as follows (dollars in thousands):
30-Jun-14	1			2			3			4		5			6		7		8
Commercial and industrial	$	55		$	12,777		$	100,673		$	155,099	$	10,359		$	1,704	$	3,485	$	---
Commercial real estate:
Residential developed		---			---			1,686			5,033		6,015			876		2,249		---
Unsecured to residential developers		---			---			---			7,128		3			---		---		---
Vacant and unimproved		---			---			10,671			24,530		6,596			389		---		---
Commercial development		---			---			---			4,012		224			203		29		---
Residential improved		---			106			15,736			44,778		6,768			3,928		925		---
Commercial improved		---			5,901			53,061			157,701		24,318			4,832		601		---
Manufacturing and industrial		---			756			24,221			46,178		4,505			635		---		---
	$	55		$	19,540		$	206,048		$	444,459	$	58,788		$	12,567	$	7,289	$	---
31-Dec-13	1			2			3			4		5			6		7		8
Commercial and industrial	$	509		$	15,836		$	81,577		$	155,680	$	13,513		$	1,359	$	5,625	$	---
Commercial real estate:
Residential developed		---			---			2,039			5,653		5,232			2,616		2,590		---
Unsecured to residential developers		---			---			---			7,309		6			---		---		---
Vacant and unimproved		---			---			11,191			24,638		6,761			398		---		---
Commercial development		---			---			---			1,673		532			207		23		---
Residential improved		---			109			15,121			45,018		9,391			6,226		429		---
Commercial improved		---			7,382			45,391			161,897		24,937			5,075		2,511		---
Manufacturing and industrial		---			311			24,546			42,133		10,402			593		---		---
	$	509		$	23,638		$	179,865		$	444,001	$	70,774		$	16,474	$	11,178	$	---
Commercial loans rated a 6 or worse per the Company’s internal risk rating system are considered substandard, doubtful or loss. Commercial loans classified as substandard or worse were as follows at period-end (dollars in thousands):
	June 30,			December 31,
	2014			2013
Not classified as impaired	$	4,926		$	7,400
Classified as impaired		14,930			20,252
Total commercial loans classified substandard or worse	$	19,856		$	27,652
The Company considers the performance of the loan portfolio and its impact on the allowance for loan losses. For consumer loan classes, the Company also evaluates credit quality based on the aging status of the loan, which was previously presented, and by payment activity. The following table presents the recorded investment in consumer loans based on payment activity (dollars in thousands):
	Residential			Consumer			Home			Consumer
30-Jun-14	Mortgage			Unsecured			Equity			Other
Performing	$	188,911		$	1,096		$	94,092		$	10,151
Nonperforming		141			---			392			---
Total	$	189,052		$	1,096		$	94,484		$	10,151
	Residential			Consumer			Home			Consumer
31-Dec-13	Mortgage			Unsecured			Equity			Other
Performing	$	188,648		$	1,337		$	95,961		$	9,992
Nonperforming		---			---			---			---
Total	$	188,648		$	1,337		$	95,961		$	9,992

OTHER_REAL_ESTATE_OWNED

OTHER REAL ESTATE OWNED	6 Months Ended
	Jun. 30, 2014
OTHER REAL ESTATE OWNED [Abstract]	'
OTHER REAL ESTATE OWNED	'
	NOTE 4 – OTHER REAL ESTATE OWNED
	Other real estate owned was as follows (dollars in thousands):
		Six			Year			Six
		Months Ended			Ended			Months Ended
		June 30,			December 31,			June 30,
		2014			2013			2013
	Beginning balance	$	53,501		$	69,743		$	69,743
	Additions, transfers from loans		2,274			3,539			2,754
	Proceeds from sales of other real estate owned		(7,362	)		(16,501	)		(8,138	)
	Valuation allowance reversal upon sale		(2,564	)		(4,378	)		(2,308	)
	Gain on sale of other real estate owned		476			1,098			614
			46,325			53,501			62,665
	Less: valuation allowance		(14,802	)		(16,705	)		(16,820	)
	Ending balance	$	31,523		$	36,796		$	45,845
	Activity in the valuation allowance was as follows (dollars in thousands):
		Six Months			Six Months
		Ended			Ended
		June 30,			June 30,
		2014			2013
	Beginning balance	$	16,705		$	18,161
	Additions charged to expense		661			967
	Reversals upon sale		(2,564	)		(2,308	)
	Ending balance	$	14,802		$	16,820

FAIR_VALUE

FAIR VALUE	6 Months Ended
	Jun. 30, 2014
FAIR VALUE [Abstract]	'
FAIR VALUE	'
	NOTE 5 – FAIR VALUE
	ASC Topic 820, Fair Value Measurements and Disclosures, establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The three levels of inputs that may be used to measure fair value include:
		Level 1:	Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.
		Level 2:	Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data.
		Level 3:	Significant unobservable inputs that reflect a reporting entity's own assumptions about the assumptions that market participants would use in pricing an asset or liability.
	Investment Securities: The fair values of investment securities are determined by matrix pricing, which 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 (Level 2 inputs).  The fair values of certain securities held to maturity are determined by computing discounted cash flows using observable and unobservable market inputs (Level 3 inputs).
	Loans Held for Sale: The fair value of loans held for sale is based upon binding quotes from third party investors (Level 2 inputs).
	Impaired Loans: Loans identified as impaired are measured using one of three methods: the loan’s observable market price, the fair value of collateral or the present value of expected future cash flows.  For each period presented, no impaired loans were measured using the loan’s observable market price.  If an impaired loan has had a chargeoff or if the fair value of the collateral is less than the recorded investment in the loan, we establish a specific reserve and report the loan as nonrecurring Level 3.  The fair value of collateral of impaired loans is generally based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value.
	Other Real Estate Owned: Other real estate owned (OREO) properties are initially recorded at fair value, less estimated costs to sell when acquired, establishing a new cost basis.  Adjustments to OREO are measured at fair value, less estimated costs to sell. Fair values are generally based on third party appraisals or realtor evaluations of the property. These appraisals and evaluations may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach.  Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available.  Such adjustments are usually significant and typically result in a Level 3 classification.  In cases where the carrying amount exceeds the fair value, less estimated costs to sell, an impairment loss is recognized through a valuation allowance, and the property is reported as nonrecurring Level 3.
	Interest Rate Swaps:   For interest rate swap agreements, we measure fair value utilizing pricing provided by a third-party pricing source that uses market observable inputs, such as forecasted yield curves, and other unobservable inputs and accordingly, interest rate swap agreements are classified as Level 3.
	Assets measured at fair value on a recurring basis are summarized below (in thousands):
			Fair				Quoted Prices				Significant				Significant
							in Active				Other				Unobservable
							Markets for				Observable				Inputs
							Identical
							Assets
			Value				(Level 1)				Inputs (Level 2)				(Level 3)
	30-Jun-14
	U.S. Treasury and federal agency securities		$	59,375			$	---			$	59,375			$	---
	U.S. Agency MBS and CMOs			18,202				---				18,202				---
	Tax-exempt state and municipal bonds			34,734				---				34,734				---
	Taxable state and municipal bonds			25,413				---				25,413				---
	Corporate bonds and other debt securities			13,009				---				13,009				---
	Other equity securities			1,494				---				1,494				---
	Loans held for sale			1,409				---				1,409				---
	Interest rate swaps			168				---				---				168
	Interest rate swaps			(168	)			---				---				(168	)
	31-Dec-13
	U.S. Treasury and federal agency securities		$	54,439			$	---			$	54,439			$	---
	U.S. Agency MBS and CMOs			19,365				---				19,365				---
	Tax-exempt state and municipal bonds			26,849				---				26,849				---
	Taxable state and municipal bonds			26,328				---				26,328				---
	Corporate bonds and other debt securities			11,212				---				11,212				---
	Other equity securities			1,466				---				1,466				---
	Loans held for sale			1,915				---				1,915				---
	Interest rate swaps			94				---				---				94
	Interest rate swaps			(94	)			---				---				(94	)
	Assets measured at fair value on a non-recurring basis are summarized below (in thousands):
			Fair				Quoted Prices				Significant Other				Significant
							in Active				Observable				Unobservable
							Markets for								Inputs
							Identical Assets
			Value				(Level 1)				Inputs (Level 2)				(Level 3)
	30-Jun-14
	Impaired loans		$	17,492			$	---			$	---			$	17,492
	Other real estate owned			24,380				---				---				24,380
	31-Dec-13
	Impaired loans		$	22,403			$	---			$	---			$	22,403
	Other real estate owned			29,711				---				---				29,711
	The carrying amounts and estimated fair values of financial instruments, not previously presented, were as follows at June 30, 2014 and December 31, 2013 (dollars in thousands).
		Level in	30-Jun-14						31-Dec-13
		Fair Value	Carrying			Fair			Carrying			Fair
		Hierarchy	Amount			Value			Amount			Value
	Financial assets
	Cash and due from banks	Level 1	$	37,533		$	37,533		$	38,714		$	38,714
	Cash equivalents	Level 2		80,432			80,432			118,178			118,178
	Interest-bearing time deposits in other financial institutions	Level 2		32,500			32,555			25,000			25,003
	Securities held to maturity	Level 3		19,123			19,184			19,248			19,278
	FHLB stock			11,236		NA				11,236		NA
	Loans, net	Level 2		1,005,989			999,331			999,176			990,084
	Bank owned life insurance	Level 3		27,845			27,845			27,517			27,517
	Accrued interest receivable	Level 2		3,264			3,264			3,231			3,231
	Financial liabilities
Deposits	Level 2		(1,215,724	)		(1,216,410	)		(1,249,734	)		(1,250,886	)
Other borrowed funds	Level 2		(88,774	)		(89,713	)		(89,991	)		(90,321	)
Long-term debt	Level 2		(41,238	)		(35,405	)		(41,238	)		(35,098	)
Subordinated debt	Level 2		---			---			---			---
Accrued interest payable	Level 2		(303	)		(303	)		(308	)		(308	)
Off-balance sheet credit-related items
Loan commitments			---			---			---			---
The methods and assumptions used to estimate fair value are described as follows.
Carrying amount is the estimated fair value for cash and cash equivalents, bank owned life insurance, accrued interest receivable and payable, demand deposits, short-term borrowings and variable rate loans or deposits that reprice frequently and fully. Security fair values are determined by matrix pricing, which is a mathematical technique widely used in the industry to value debt securities as discussed above. For fixed rate loans, interest-bearing time deposits in other financial institutions, or deposits and for variable rate loans or deposits with infrequent repricing or repricing limits, fair value is based on discounted cash flows using current market rates applied to the estimated life and credit risk (including consideration of widening credit spreads). Fair value of debt is based on current rates for similar financing. It was not practicable to determine the fair value of FHLB stock due to restrictions placed on its transferability. The fair value of off-balance sheet credit-related items is not significant.

DEPOSITS

DEPOSITS	6 Months Ended
	Jun. 30, 2014
DEPOSITS [Abstract]	'
DEPOSITS	'
	NOTE 6 – DEPOSITS
	Deposits are summarized as follows (in thousands):
		June 30,		December 31,
		2014		2013
	Noninterest-bearing demand	$	383,102	$	344,550
	Interest bearing demand		259,449		287,417
	Savings and money market accounts		441,046		469,542
	Certificates of deposit		132,127		148,225
		$	1,215,724	$	1,249,734
	Approximately $51.2 million and $56.7 million in certificates of deposit were in denominations of $100,000 or more at June 30, 2014 and December 31, 2013, respectively.

OTHER_BORROWED_FUNDS

OTHER BORROWED FUNDS	6 Months Ended
	Jun. 30, 2014
OTHER BORROWED FUNDS [Abstract]	'
OTHER BORROWED FUNDS	'
	NOTE 7 - OTHER BORROWED FUNDS
	Other borrowed funds include advances from the Federal Home Loan Bank and borrowings from the Federal Reserve Bank.
	Federal Home Loan Bank Advances
	At period-end, advances from the Federal Home Loan Bank were as follows (dollars in thousands):
					Weighted
		Advance			Average
	Principal Terms	Amount		Range of Maturities	Interest Rate
	30-Jun-14
	Single maturity fixed rate advances	$	80,000	August 2016 to February 2019		1.69	%
	Amortizable mortgage advances		8,774	March 2018 to July 2018		3.77	%
		$	88,774
					Weighted
		Advance			Average
	Principal Terms	Amount		Range of Maturities	Interest Rate
	31-Dec-13
	Single maturity fixed rate advances	$	80,000	August 2016 to February 2019		1.69	%
	Amortizable mortgage advances		9,991	March 2018 to July 2018		3.78	%
		$	89,991
	Each advance is subject to a prepayment fee if paid prior to its maturity date.  Fixed rate advances are payable at maturity.   Amortizable mortgage advances are fixed rate advances with scheduled repayments based upon amortization to maturity.  These advances were collateralized by residential and commercial real estate loans totaling $449,977,000 and $411,715,000 under a blanket lien arrangement at June 30, 2014 and December 31, 2013, respectively.
	Scheduled repayments of FHLB advances as of June 30, 2014 were as follows (in thousands):
	2014	$	667
	2015		1,938
	2016		21,996
	2017		2,055
	2018		52,118
	Thereafter		10,000
		$	88,774
	Federal Reserve Bank borrowings
	The Company has a financing arrangement with the Federal Reserve Bank.  There were no borrowings outstanding at June 30, 2014 and December 31, 2013, and the Company had approximately $24.4 million and $22.7 million in unused borrowing capacity based on commercial and mortgage loans pledged to the Federal Reserve Bank totaling $28.3 million and $26.6 million at June 30, 2014 and December 31, 2013, respectively.

EARNINGS_PER_COMMON_SHARE

EARNINGS PER COMMON SHARE	6 Months Ended
	Jun. 30, 2014
EARNINGS PER COMMON SHARE [Abstract]	'
EARNINGS PER COMMON SHARE	'
	NOTE 8 - EARNINGS PER COMMON SHARE
	A reconciliation of the numerators and denominators of basic and diluted earnings per common share for the three and six month periods ended June 30, 2014 and 2013 are as follows (dollars in thousands, except per share data):
		Three Months		Three Months		Six Months		Six Months
		Ended		Ended		Ended		Ended
		June 30,		June 30,		June 30,		June 30,
		2014		2013		2014		2013
	Net income	$	2,755	$	2,603	$	5,393	$	5,077
	Dividends declared on preferred shares		---		---		---		---
	Net income available to common shares	$	2,755	$	2,603	$	5,393	$	5,077
	Weighted average shares outstanding, including participating stock awards - Basic		33,788,431		27,260,748		33,789,481		27,185,505
	Dilutive potential common shares:
	Stock options		---		---		---		---
	Conversion of preferred stock		---		---		---		---
	Stock warrants		---		---		---		---
	Weighted average shares outstanding - Diluted		33,788,431		27,260,748		33,789,481		27,185,505
	Basic earnings per common share	$	0.08	$	0.1	$	0.16	$	0.19
	Diluted earnings per common share	$	0.08	$	0.1	$	0.16	$	0.19
	Stock options for 355,328 shares of common stock for both the three and six month periods ended June 30, 2014 were not considered in computing diluted earnings per share because they were antidilutive. Stock options for 445,392 shares of common stock for both the three and six month periods ended June 30, 2013 were not considered in computing diluted earnings per share because they were antidilutive.  Potential common shares associated with convertible preferred stock (for the 2013 periods) and stock warrants were excluded from dilutive potential common shares as they were antidilutive.

FEDERAL_INCOME_TAXES

FEDERAL INCOME TAXES	6 Months Ended
	Jun. 30, 2014
FEDERAL INCOME TAXES [Abstract]	'
FEDERAL INCOME TAXES	'
	NOTE 9 - FEDERAL INCOME TAXES
	Income tax expense was as follows (dollars in thousands):
		Three Months			Three Months			Six Months			Six Months
		Ended			Ended			Ended			Ended
		June 30,			June 30,			June 30,			June 30,
		2014			2013			2014			2013
	Current	$	36		$	55		$	60		$	55
	Deferred		1,195			1,141			2,348			2,283
		$	1,231		$	1,196		$	2,408		$	2,338
	The difference between the financial statement tax expense and amount computed by applying the statutory federal tax rate to pretax income was reconciled as follows (dollars in thousands):
		Three Months			Three Months			Six Months			Six Months
		Ended			Ended			Ended			Ended
		June 30,			June 30,			June 30,			June 30,
		2014			2013			2014			2013
	Statutory rate		35	%		35	%		35	%		35	%
	Statutory rate applied to income before taxes	$	1,395		$	1,330		$	2,730		$	2,595
	Add (deduct)
	Tax-exempt interest income		(89	)		(50	)		(174	)		(96	)
	Bank-owned life insurance		(61	)		(65	)		(115	)		(125	)
	Other, net		(14	)		(19	)		(33	)		(36	)
		$	1,231		$	1,196		$	2,408		$	2,338
	The realization of deferred tax assets (net of a recorded valuation allowance) is largely dependent upon future taxable income, future reversals of existing taxable temporary differences and the ability to carryback losses to available tax years. In assessing the need for a valuation allowance, we consider positive and negative evidence, including taxable income in carry-back years, scheduled reversals of deferred tax liabilities, expected future taxable income and tax planning strategies.  No valuation allowance was necessary at June 30, 2014 or December 31, 2013.
	The net deferred tax asset recorded included the following amounts of deferred tax assets and liabilities (dollars in thousands):
		June 30,			December 31,
		2014			2013
	Deferred tax assets
	Allowance for loan losses	$	7,017		$	7,279
	Nonaccrual loan interest		875			782
	Valuation allowance on other real estate owned		5,181			5,847
	Net operating loss carryforward		141			1,743
	Unrealized loss on securities available for sale		254			1,053
	Other		1,826			1,808
	Gross deferred tax assets		15,294			18,512
	Valuation allowance		---			---
	Total net deferred tax assets		15,294			18,512
	Deferred tax liabilities
	Depreciation		(1,537	)		(1,620	)
	Prepaid expenses		(308	)		(308	)
	Other		(396	)		(384	)
	Gross deferred tax liabilities		(2,241	)		(2,312	)
	Net deferred tax asset	$	13,053		$	16,200
	At June 30, 2014, we had U.S. federal net operating loss carry forwards of $403,000 that expire through 2030.
	There were no unrecognized tax benefits at June 30, 2014 or December 31, 2013 and the Company does not expect the total amount of unrecognized tax benefits to significantly increase or decrease in the next twelve months. The Company is no longer subject to examination by the Internal Revenue Service for years before 2011.

COMMITMENTS_AND_OFF_BALANCESHE

COMMITMENTS AND OFF BALANCE-SHEET RISK	6 Months Ended
	Jun. 30, 2014
COMMITMENTS AND OFF BALANCE-SHEET RISK [Abstract]	'
COMMITMENTS AND OFF BALANCE-SHEET RISK	'
	NOTE 10 – COMMITMENTS AND OFF BALANCE-SHEET RISK
	Some financial instruments are used to meet customer financing needs and to reduce exposure to interest rate changes.  These financial instruments include commitments to extend credit and standby letters of credit.  These involve, to varying degrees, credit and interest rate risk in excess of the amount reported in the financial statements.
	Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the commitment, and generally have fixed expiration dates.  Standby letters of credit are conditional commitments to guarantee a customer’s performance to a third party.  Exposure to credit loss if the other party does not perform is represented by the contractual amount for commitments to extend credit and standby letters of credit.  Collateral or other security is normally not obtained for these financial instruments prior to their use and many of the commitments are expected to expire without being used.
	A summary of the contractual amounts of financial instruments with off‑balance‑sheet risk was as follows at period-end (dollars in thousands):
		June 30,		December 31,
		2014		2013
	Commitments to make loans	$	169,904		$	87,513
	Letters of credit		10,858			10,774
	Unused lines of credit		323,956			313,232
	The notional amount of commitments to fund mortgage loans to be sold into the secondary market was approximately $23.0 million and $14.7 million at June 30, 2014 and December 31, 2013, respectively.
	At June 30, 2014, approximately 33% of the Bank’s commitments to make loans were at fixed rates, offered at current market rates.  The remainder of the commitments to make loans were at variable rates tied to prime and generally expire within 30 days.  The majority of the unused lines of credit were at variable rates tied to prime.

CONTINGENCIES

CONTINGENCIES	6 Months Ended
	Jun. 30, 2014
CONTINGENCIES [Abstract]	'
CONTINGENCIES	'
	NOTE 11 – CONTINGENCIES
	We and our subsidiaries periodically become defendants in certain claims and legal actions arising in the ordinary course of business.  On January 27, 2014, our former Chairman and Chief Executive Officer, Mr. Benj. A. Smith III, commenced legal action against us claiming that we breached an alleged employment agreement pursuant to which he claims entitlement to $20,833 monthly for a period of six years from the date of his resignation in February 2009.  Mr. Smith’s complaint seeks damages in an unspecified amount in excess of $25,000.  We are vigorously contesting the action.  As of June 30, 2014, there were no other material pending legal proceedings to which we or any of our subsidiaries are a party or which any of our properties are the subject.

SHAREHOLDERS_EQUITY

SHAREHOLDERS' EQUITY	6 Months Ended
	Jun. 30, 2014
SHAREHOLDERS' EQUITY [Abstract]	'
SHAREHOLDERS' EQUITY	'
	NOTE 12 – SHAREHOLDERS' EQUITY
	Regulatory Capital
	The Company and the Bank are subject to regulatory capital requirements administered by federal banking agencies. Capital adequacy guidelines and prompt corrective action regulations involve quantitative measures of assets, liabilities, and certain off-balance-sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by regulators about components, risk weightings, and other factors, and the regulators can lower classifications in certain cases. Failure to meet various capital requirements can initiate regulatory action that could have a direct material effect on the financial statements.
	The prompt corrective action regulations provide five categories, including well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized, and critically undercapitalized, although these terms are not used to represent overall financial condition. If a bank is only adequately capitalized, regulatory approval is required to, among other things, accept, renew or roll-over brokered deposits. If a bank is undercapitalized, capital distributions and growth and expansion are limited, and plans for capital restoration are required.
	At June 30, 2014 and December 31, 2013, actual capital levels and minimum required levels were (in thousands):
												To Be Well
							Minimum Required					Capitalized Under
							For Capital					Prompt Corrective
		Actual					Adequacy Purposes					Action Regulations
		Amount		Ratio			Amount		Ratio			Amount			Ratio
	30-Jun-14
	Total capital (to risk weighted assets)
	Consolidated	$	181,711		16.3	%	$	88,998		8	%		N/	A		N/	A
	Bank		179,010		16.1			89,152		8		$	111,440			10	%
	Tier 1 capital (to risk weighted assets)
	Consolidated		167,729		15.1			44,499		4			N/	A		N/	A
	Bank		165,005		14.8			44,576		4			66,864			6
	Tier 1 capital (to average assets)
	Consolidated		167,729		11.4			58,688		4			N/	A		N/	A
	Bank		165,005		11.3			58,631		4			73,289			5
	31-Dec-13
	Total capital (to risk weighted assets)
	Consolidated	$	174,433		15.7	%	$	88,915		8	%		N/	A		N/	A
	Bank		171,811		15.4			88,968		8		$	111,210			10	%
	Tier 1 capital (to risk weighted assets)
	Consolidated		160,455		14.4			44,457		4			N/	A		N/	A
	Bank		157,825		14.2			44,484		4			66,726			6
	Tier 1 capital (to average assets)
	Consolidated		160,455		10.6			60,482		4			N/	A		N/	A
	Bank		157,825		10.5			60,407		4			75,509			5
	Approximately $40.0 million of trust preferred securities outstanding at June 30, 2014 and December 31, 2013, respectively, qualified as Tier 1 capital. Refer to our 2013 Form 10-K for more information on the trust preferred securities.
	The Bank was categorized as "well capitalized" at June 30, 2014 and December 31, 2013.
	On July 3, 2013, the FDIC Board of Directors approved the Regulatory Capital Interim Final Rule, implementing Basel III.  This rule redefines Tier 1 capital as two components (Common Equity Tier 1 and Additional Tier 1), creates a new capital ratio (Common Equity Tier 1 Risk-based Capital Ratio) and implements a capital conservation buffer.  It also revises the prompt corrective action thresholds and makes changes to risk weights for certain assets and off-balance-sheet exposures.  Banks are required to transition into the new rule beginning on January 1, 2015.  Based on our capital levels and balance sheet composition at June 30, 2014, we believe implementation of the new rule will have no material impact on our capital needs.

SUMMARY_OF_SIGNIFICANT_ACCOUNT1

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	6 Months Ended
	Jun. 30, 2014
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]	'
Principles of Consolidation	'
	Principles of Consolidation: The accompanying consolidated financial statements include the accounts of Macatawa Bank Corporation ("the Company", "our", "we") and its wholly-owned subsidiary, Macatawa Bank ("the Bank"). All significant intercompany accounts and transactions have been eliminated in consolidation.
	Macatawa Bank is a Michigan chartered bank with depository accounts insured by the Federal Deposit Insurance Corporation. The Bank operates 26 full service branch offices providing a full range of commercial and consumer banking and trust services in Kent County, Ottawa County, and northern Allegan County, Michigan.
	The Company owns all of the common stock of Macatawa Statutory Trust I and Macatawa Statutory Trust II. These are grantor trusts that issued trust preferred securities and are not consolidated with the Company under accounting principles generally accepted in the United States of America.
Basis of Presentation	'
	Basis of Presentation: The accompanying unaudited consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by accounting principles generally accepted in the United States of America for complete financial statements. In the opinion of management, all adjustments (consisting only of normal recurring accruals) believed necessary for a fair presentation have been included.
	Operating results for the three and six month periods ended June 30, 2014 are not necessarily indicative of the results that may be expected for the year ending December 31, 2014. For further information, refer to the consolidated financial statements and related notes included in the Company's Annual Report on Form 10-K for the year ended December 31, 2013.
Use of Estimates	'
	Use of Estimates:  To prepare financial statements in conformity with accounting principles generally accepted in the United States of America, management makes estimates and assumptions based on available information.  These estimates and assumptions affect the amounts reported in the financial statements and the disclosures provided, and future results could differ.  The allowance for loan losses, valuation of deferred tax assets, loss contingencies, fair value of other real estate owned and fair values of financial instruments are particularly subject to change.
Allowance for Loan Losses	'
	Allowance for Loan Losses: The allowance for loan losses (allowance) is a valuation allowance for probable incurred credit losses inherent in our loan portfolio, increased by the provision for loan losses and recoveries, and decreased by charge-offs of loans. Management believes the allowance for loan losses balance to be adequate based on known and inherent risks in the portfolio, past loan loss experience, information about specific borrower situations and estimated collateral values, economic conditions and other relevant factors. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management’s judgment, should be charged-off. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Management continues its collection efforts on previously charged-off balances and applies recoveries as additions to the allowance for loan losses.
	The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired. The general component covers non-classified loans and is based on historical loss experience adjusted for current qualitative factors. The Company maintains a loss migration analysis that tracks loan losses and recoveries based on loan class and the loan risk grade assignment for commercial loans. At June 30, 2014, an 18 month annualized historical loss experience was used for commercial loans and a 12 month historical loss experience period was applied to residential mortgage loans and consumer loans. These historical loss percentages are adjusted (both upwards and downwards) for certain qualitative factors, including economic trends, credit quality trends, valuation trends, concentration risk, quality of loan review, changes in personnel, external factors and other considerations.
	A loan is impaired when, based on current information and events, it is believed to be probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans for which the terms have been modified and a concession has been made, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings and classified as impaired.
	Commercial and commercial real estate loans with relationship balances exceeding $500,000 and an internal risk grading of 6 or worse are evaluated for impairment. If a loan is impaired, a portion of the allowance is allocated and the loan is reported at the present value of estimated future cash flows using the loan’s existing interest rate or at the fair value of collateral, less estimated costs to sell, if repayment is expected solely from the collateral. Large groups of smaller balance homogeneous loans, such as consumer and residential real estate loans, are collectively evaluated for impairment and they are not separately identified for impairment disclosures.
	Troubled debt restructurings are also considered impaired with impairment generally measured at the present value of estimated future cash flows using the loan’s effective rate at inception or using the fair value of collateral, less estimated costs to sell, if repayment is expected solely from the collateral.
Foreclosed Assets	'
	Foreclosed Assets: Assets acquired through or instead of loan foreclosure, primarily other real estate owned, are initially recorded at fair value less estimated costs to sell when acquired, establishing a new cost basis. If fair value declines, a valuation allowance is recorded through expense. Costs after acquisition are expensed unless they add value to the property.
Income Taxes	'
	Income Taxes: Income tax expense is the sum of the current year income tax due or refundable and the change in deferred tax assets and liabilities. Deferred tax assets and liabilities are the expected future tax consequences of temporary differences between the carrying amounts and tax bases of assets and liabilities, computed using enacted tax rates. A valuation allowance, if needed, reduces deferred tax assets to the amount expected to be realized.
	We recognize a tax position as a benefit only if it is "more likely than not" that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the "more likely than not" test, no tax benefit is recorded. We recognize interest and penalties related to income tax matters in income tax expense.
Derivatives	'
	Derivatives:  Certain of our commercial loan customers have entered into interest rate swap agreements directly with the Bank.  At the same time the Bank enters into a swap agreement with its customer, the Bank enters into a corresponding interest rate swap agreement with a correspondent bank at terms mirroring the Bank’s interest rate swap with its commercial loan customer.   This is known as a back-to-back swap agreement.  Under this arrangement the Bank has two freestanding interest rate swaps, both of which are carried at fair value.  As the terms mirror each other, there is no income statement impact to the Bank.  At June 30, 2014 and December 31, 2013, the total notional amount of such agreements were $20.0 million and resulted in derivative assets with fair values of $168,000 and $94,000, respectively, which were included in other assets and derivative liabilities of $168,000 and $94,000, respectively, which were included in other liabilities.
Reclassifications	'
	Reclassifications: Some items in the prior period financial statements were reclassified to conform to the current presentation.
Newly Issued Standards	'
	Newly Issued Standards:
	The Financial Accounting Standards Board (“FASB”) has issued Accounting Standards Update (ASU) No. 2014-04, Receivables - Troubled Debt Restructurings by Creditors (Subtopic 310-40) - Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure. The amendments are intended to clarify when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan should be derecognized and the real estate recognized.  These amendments clarify that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either: (a) the creditor obtaining legal title to the 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. Additional disclosures are required.  The amendments are effective for  annual periods and interim periods within those annual periods beginning after December 15, 2014. The impact of adoption of this ASU by the Company is not expected to be material.
	FASB issued 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.  The amendments in this Update change the requirements for reporting discontinued operations.  A discontinued operation may include a component of an entity or a group of components of an entity, or a business or nonprofit activity. A disposal of a component of an entity or a 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 an entity’s operations and financial results.  The amendments in this Update require an entity to present, for each comparative period, the assets and liabilities of a disposal group that includes a discontinued operation separately in the asset and liability sections, respectively, of the statement of financial position.  This Update also requires additional disclosures about discontinued operations including pretax profit or loss, and any ongoing involvement with the discontinued operation.   The amendments are effective for annual periods and interim periods within those annual periods beginning after December 15, 2014. The impact of adoption of this ASU by the Company is not expected to be material.
	FASB issued ASU 2014-09, Revenue from Contracts with Customers (Topic 606).  The amendments in this Update creates a new topic in the FASB Accounting Standards Codification® (ASC or Codification), Topic 606. In addition to superseding and replacing nearly all existing U.S. GAAP revenue recognition guidance, including industry-specific guidance, ASC 606 establishes a new control-based revenue recognition model, changes the basis for deciding when revenue is recognized over time or at a point in time, provides new and more detailed guidance on specific topics and expands and improves disclosures about revenue.  In addition, ASU 2014-09 adds a new Subtopic to the Codification, ASC 340-40, Other Assets and Deferred Costs: Contracts with Customers, to provide guidance on costs related to obtaining a contract with a customer and costs incurred in fulfilling a contract with a customer that are not in the scope of another ASC Topic.   The new guidance does not apply to certain contracts within the scope of other ASC Topics, such as lease contracts, insurance contracts, financing arrangements, financial instruments, guarantees other than product or service warranties, and nonmonetary exchanges between entities in the same line of business to facilitate sales to customers. The amendments are effective for annual periods and interim periods within those annual periods beginning after December 15, 2016.  The impact of adoption of this ASU by the Company is not expected to be material.
	FASB has also issued ASU 2013-11, Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward or Tax Credit Carryforward Exists.  This update requires an unrecognized tax benefit, or a portion of an unrecognized tax benefit, to be presented in the statement of financial position as a reduction to a deferred tax asset for a net operating loss carryforward or a tax credit carryforward.  However, to the extent that a net operating loss carryforward or tax credit carryforward at the reporting date is not available under the tax law of the applicable jurisdiction to settle any additional income taxes that would result from the disallowance of a tax position, the unrecognized tax benefit is to be presented in the statement of financial position as a liability.  No new recurring disclosures are required.  The amendments are effective for public business entities for annual periods beginning after December 15, 2013, and interim periods within those periods.  The amendments are to be applied on a prospective basis to all unrecognized tax benefits that exist at the effective date, although retrospective application is permitted.  The impact of prospective adoption of this ASU by the Company in the first quarter of 2014 was not material.

SECURITIES_Tables

SECURITIES (Tables)	6 Months Ended
	Jun. 30, 2014
SECURITIES [Abstract]	'
Amortized cost and fair value of securities	'
	The amortized cost and fair value of securities at period-end were as follows (dollars in thousands):
				Gross			Gross
		Amortized		Unrealized			Unrealized			Fair
		Cost		Gains			Losses			Value
	30-Jun-14
	Available for Sale:
	U.S. Treasury and federal agency securities	$	60,051	$	68		$	(744	)	$	59,375
	U.S. Agency MBS and CMOs		18,459		42			(299	)		18,202
	Tax-exempt state and municipal bonds		34,899		235			(400	)		34,734
	Taxable state and municipal bonds		25,087		438			(112	)		25,413
	Corporate bonds and other debt securities		12,956		85			(32	)		13,009
	Other equity securities		1,500		---			(6	)		1,494
		$	152,952	$	868		$	(1,593	)	$	152,227
	Held to Maturity
	Tax-exempt state and municipal bonds	$	19,123	$	102		$	(41	)	$	19,184
	31-Dec-13
	Available for Sale:
	U.S. Treasury and federal agency securities	$	55,701	$	92		$	(1,354	)	$	54,439
	U. S. Agency MBS and CMOs		20,029		9			(673	)		19,365
	Tax-exempt state and municipal bonds		27,920		47			(1,118	)		26,849
	Taxable state and municipal bonds		26,306		307			(285	)		26,328
	Corporate bonds and other debt securities		11,211		64			(63	)		11,212
	Other equity securities		1,500		---			(34	)		1,466
		$	142,667	$	519		$	(3,527	)	$	139,659
	Held to Maturity:
	Tax-exempt state and municipal bonds	$	19,248	$	46		$	(16	)	$	19,278
Contractual maturities of debt securities	'
	Contractual maturities of debt securities at June 30, 2014 were as follows (dollars in thousands):
		Held–to-Maturity Securities					Available-for-Sale Securities
		Amortized		Fair			Amortized			Fair
		Cost		Value			Cost			Value
	Due in one year or less	$	12,700	$	12,700		$	4,028		$	4,062
	Due from one to five years		630		632			70,537			70,788
	Due from five to ten years		5,533		5,599			51,123			50,491
	Due after ten years		260		253			25,764			25,392
		$	19,123	$	19,184		$	151,452		$	150,733
Securities in continuous unrealized loss position	'
	Securities with unrealized losses at June 30, 2014 and December 31, 2013, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, were as follows (dollars in thousands):
		Less than 12 Months					12 Months or More						Total
		Fair		Unrealized			Fair			Unrealized			Fair		Unrealized
	30-Jun-14	Value		Loss			Value			Loss			Value		Loss
	U.S. Treasury and federal agency securities	$	8,109	$	(31	)	$	40,374		$	(713	)	$	48,483	$	(744	)
	U.S. Agency MBS and CMOs		4,298		(34	)		10,599			(265	)		14,897		(299	)
	Tax-exempt state and municipal bonds		21,946		(103	)		13,104			(338	)		35,050		(441	)
	Taxable state and municipal bonds		1,635		(4	)		4,503			(108	)		6,138		(112	)
	Corporate bonds and other debt securities		1,613		(6	)		1,979			(26	)		3,592		(32	)
	Other equity securities		---		---			1,500			(6	)		1,500		(6	)
	Total temporarily impaired	$	37,601	$	(178	)	$	72,059		$	(1,456	)	$	109,660	$	(1,634	)
		Less than 12 Months					12 Months or More						Total
		Fair		Unrealized			Fair			Unrealized			Fair		Unrealized
	31-Dec-13	Value		Loss			Value			Loss			Value		Loss
	U.S. Treasury and federal agency securities	$	43,212	$	(1,354	)	$	---		$	---		$	43,212	$	(1,354	)
	U.S. Agency MBS and CMOs		18,494		(673	)		---			---			18,494		(673	)
	Tax-exempt state and municipal bonds		21,359		(1,066	)		831			(68	)		22,190		(1,134	)
	Taxable state and municipal bonds		9,599		(256	)		1,015			(29	)		10,614		(285	)
	Corporate bonds and other debt securities		3,928		(63	)		---			---			3,928		(63	)
	Other equity securities		1,466		(34	)		---			---			1,466		(34	)
	Total temporarily impaired	$	98,058	$	(3,446	)	$	1,846		$	(97	)	$	99,904	$	(3,543	)

LOANS_Tables

LOANS (Tables)	6 Months Ended
	Jun. 30, 2014
LOANS [Abstract]	'
Portfolio loans	'
	Portfolio loans were as follows (dollars in thousands):
		June 30,			December 31,
		2014			2013
	Commercial and industrial	$	284,152		$	274,099
	Commercial real estate:
	Residential developed		15,859			18,130
	Unsecured to residential developers		7,131			7,315
	Vacant and unimproved		42,186			42,988
	Commercial development		4,468			2,434
	Residential improved		72,241			76,294
	Commercial improved		246,414			247,195
	Manufacturing and industrial		76,295			77,984
	Total commercial real estate		464,594			472,340
	Consumer
	Residential mortgage		189,052			188,648
	Unsecured		1,096			1,337
	Home equity		94,484			95,961
	Other secured		10,151			9,992
	Total consumer		294,783			295,938
	Total loans		1,043,529			1,042,377
	Allowance for loan losses		(20,049	)		(20,798	)
		$	1,023,480		$	1,021,579
Activity in allowance for loan losses by portfolio segment	'
	Activity in the allowance for loan losses by portfolio segment was as follows (dollars in thousands):
		Commercial			Commercial
		and
	Three months ended June 30, 2014	Industrial			Real Estate			Consumer			Unallocated		Total
	Beginning balance	$	6,087		$	10,372		$	3,875		$	49	$	20,383
	Charge-offs		---			(23	)		(69	)		---		(92	)
	Recoveries		327			363			68			---		758
	Provision for loan losses		307			(1,371	)		59			5		(1,000	)
	Ending Balance	$	6,721		$	9,341		$	3,933		$	54	$	20,049
		Commercial			Commercial
		and
	Three months ended June 30, 2013	Industrial			Real Estate			Consumer			Unallocated		Total
	Beginning balance	$	5,980		$	13,358		$	4,102		$	47	$	23,487
	Charge-offs		(87	)		(222	)		(389	)		---		(698	)
	Recoveries		71			310			78			---		459
	Provision for loan losses		(362	)		(1,122	)		464			20		(1,000	)
	Ending Balance	$	5,602		$	12,324		$	4,255		$	67	$	22,248
		Commercial			Commercial
		and
	Six months ended June 30, 2014	Industrial			Real Estate			Consumer			Unallocated		Total
	Beginning balance	$	6,174		$	10,868		$	3,703		$	53	$	20,798
	Charge-offs		(39	)		(23	)		(112	)				(174	)
	Recoveries		366			953			106					1,425
	Provision for loan losses		220			(2,457	)		236			1		(2,000	)
	Ending Balance	$	6,721		$	9,341		$	3,933		$	54	$	20,049
		Commercial			Commercial
		and
	Six months ended June 30, 2013	Industrial			Real Estate			Consumer			Unallocated		Total
	Beginning balance	$	6,459		$	13,457		$	3,787		$	36	$	23,739
	Charge-offs		(249	)		(459	)		(633	)		---		(1,341	)
	Recoveries		427			994			179			---		1,600
	Provision for loan losses		(1,035	)		(1,668	)		922			31		(1,750	)
	Ending Balance	$	5,602		$	12,324		$	4,255		$	67	$	22,248
Allowance for loan losses and recorded investment in loans by portfolio segment based on impairment method	'
	The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method (dollars in thousands):
		Commercial			Commercial
		and
	30-Jun-14	Industrial			Real Estate			Consumer			Unallocated		Total
	Allowance for loan losses:
	Ending allowance attributable to loans:
	Individually reviewed for impairment	$	3,006		$	839		$	884		$	---	$	4,729
	Collectively evaluated for impairment		3,715			8,502			3,049			54		15,320
	Total ending allowance balance	$	6,721		$	9,341		$	3,933		$	54	$	20,049
	Loans:
	Individually reviewed for impairment	$	10,371		$	38,946		$	14,547		$	---	$	63,864
	Collectively evaluated for impairment		273,781			425,648			280,236			---		979,665
	Total ending loans balance	$	284,152		$	464,594		$	294,783		$	---	$	1,043,529
		Commercial			Commercial
		and
	31-Dec-13	Industrial			Real Estate			Consumer			Unallocated		Total
	Allowance for loan losses:
	Ending allowance attributable to loans:
	Individually reviewed for impairment	$	1,981		$	1,008		$	881		$	---	$	3,870
	Collectively evaluated for impairment		4,193			9,860			2,822			53		16,928
	Total ending allowance balance	$	6,174		$	10,868		$	3,703		$	53	$	20,798
	Loans:
	Individually reviewed for impairment	$	13,155		$	41,285		$	14,483		$	---	$	68,923
	Collectively evaluated for impairment		260,944			431,055			281,455			---		973,454
	Total ending loans balance	$	274,099		$	472,340		$	295,938		$	---	$	1,042,377
Loans individually evaluated for impairment by class of loans	'
	The following table presents loans individually evaluated for impairment by class of loans as of June 30, 2014 (dollars in thousands):
		Unpaid
		Principal			Recorded			Allowance
	30-Jun-14	Balance			Investment			Allocated
	With no related allowance recorded:
	Commercial and industrial	$	2,892		$	2,892		$	---
	Commercial real estate:
	Residential developed		4,358			3,425			---
	Unsecured to residential developers		---			---			---
	Vacant and unimproved		---			---			---
	Commercial development		263			263			---
	Residential improved		1,453			1,453			---
	Commercial improved		473			473			---
	Manufacturing and industrial		253			253			---
			6,800			5,867			---
	Consumer:
	Residential mortgage		---			---			---
	Unsecured		---			---			---
	Home equity		---			---			---
	Other secured		---			---			---
			---			---			---
		$	9,692		$	8,759		$	---
	With an allowance recorded:
	Commercial and industrial	$	7,479		$	7,479		$	3,006
	Commercial real estate:
	Residential developed		596			596			34
	Unsecured to residential developers		---			---			---
	Vacant and unimproved		1,625			1,625			37
	Commercial development		203			203			5
	Residential improved		7,546			7,546			234
	Commercial improved		18,102			18,102			454
	Manufacturing and industrial		5,007			5,007			75
			33,079			33,079			839
	Consumer:
	Residential mortgage		9,577			9,577			582
	Unsecured		---			---			---
	Home equity		4,970			4,970			302
	Other secured		---			---			---
			14,547			14,547			884
		$	55,105		$	55,105		$	4,729
	Total	$	64,797		$	63,864		$	4,729
	The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2013 (dollars in thousands):
		Unpaid
		Principal			Recorded			Allowance
	31-Dec-13	Balance			Investment			Allocated
	With no related allowance recorded:
	Commercial and industrial	$	3,287		$	3,284		$	---
	Commercial real estate:
	Residential developed		5,273			4,340			---
	Unsecured to residential developers		---			---			---
	Vacant and unimproved		3			3			---
	Commercial development		362			362			---
	Residential improved		1,493			1,493			---
	Commercial improved		2,797			2,272			---
	Manufacturing and industrial		252			252			---
			10,180			8,722			---
	Consumer:
	Residential mortgage		---			---			---
	Unsecured		---			---			---
	Home equity		---			---			---
	Other secured		---			---			---
			---			---			---
		$	13,467		$	12,006		$	---
With an allowance recorded:
Commercial and industrial	$	9,871		$	9,871		$	1,981
Commercial real estate:
Residential developed		618			618			33
Unsecured to residential developers		---			---			---
Vacant and unimproved		1,900			1,900			47
Commercial development		207			207			5
Residential improved		9,534			9,534			342
Commercial improved		14,450			14,450			479
Manufacturing and industrial		5,854			5,854			102
		32,563			32,563			1,008
Consumer:
Residential mortgage		9,454			9,454			575
Unsecured		---			---			---
Home equity		5,029			5,029			306
Other secured		---			---			---
		14,483			14,483			881
	$	56,917		$	56,917		$	3,870
Total	$	70,384		$	68,923		$	3,870
Average balances of impaired loans and interest recognized on impaired loans	'
	The following table presents information regarding average balances of impaired loans and interest recognized on impaired loans for the three and six month periods ended June 30, 2014 and 2013 (dollars in thousands):
		Three			Three			Six			Six
		Months			Months			Months			Months
		Ended			Ended			Ended			Ended
		June 30,			June 30,			June 30,			June 30,
		2014			2013			2014			2013
	Average of impaired loans during the period:
	Commercial and industrial	$	11,908		$	14,823		$	12,176		$	16,027
	Commercial real estate:
	Residential developed		4,085			6,553			4,308			6,841
	Unsecured to residential developers		---			---			---			---
	Vacant and unimproved		1,650			3,031			1,735			3,339
	Commercial development		483			14			505			15
	Residential improved		9,863			11,678			10,141			12,102
	Commercial improved		18,133			21,032			18,212			21,488
	Manufacturing and industrial		6,404			6,136			6,562			6,577
	Consumer		14,400			15,183			14,408			14,917
	Interest income recognized during impairment:
	Commercial and industrial		273			784			611			1,127
	Commercial real estate		454			816			907			1,434
	Consumer		137			137			269			260
	Cash-basis interest income recognized
	Commercial and industrial		276			599			615			935
	Commercial real estate		471			879			922			1,469
	Consumer		137			133			271			257
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans	'
	Nonaccrual loans include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans.  The following tables present the recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans as of June 30, 2014 and December 31, 2013:
					Over 90
					days
	30-Jun-14	Nonaccrual			Accruing
	Commercial and industrial	$	3,485		$	---
	Commercial real estate:
	Residential developed		2,249			---
	Unsecured to residential developers		---			---
	Vacant and unimproved		---			---
	Commercial development		29			---
	Residential improved		925			---
	Commercial improved		601			151
	Manufacturing and industrial		---			---
			3,804			151
	Consumer:
	Residential mortgage		142			---
	Unsecured		78			---
	Home equity		326			79
	Other secured		---			---
			546			79
	Total	$	7,835		$	230
					Over 90
					days
	31-Dec-13	Nonaccrual			Accruing
	Commercial and industrial	$	5,625		$	---
	Commercial real estate:
	Residential developed		2,590			153
	Unsecured to residential developers		---			---
	Vacant and unimproved		---			---
	Commercial development		23			---
	Residential improved		429			---
	Commercial improved		2,511			---
	Manufacturing and industrial		---			---
			5,553			153
	Consumer:
	Residential mortgage		639			---
	Unsecured		33			---
	Home equity		332			---
	Other secured		---			---
			1,004			---
	Total	$	12,182		$	153
Aging of recorded investment in past due loans by class of loans	'
	The following table presents the aging of the recorded investment in past due loans as of June 30, 2014 and December 31, 2013 by class of loans (dollars in thousands):
		30-90			Greater Than			Total			Loans Not
	30-Jun-14	Days			90 Days			Past Due			Past Due		Total
	Commercial and industrial	$	19		$	121		$	140		$	284,012	$	284,152
	Commercial real estate:
	Residential developed		---			1,968			1,968			13,891		15,859
	Unsecured to residential developers		---			---			---			7,131		7,131
	Vacant and unimproved		48			---			48			42,138		42,186
	Commercial development		---			29			29			4,439		4,468
	Residential improved		246			574			820			71,421		72,241
	Commercial improved		381			434			815			245,599		246,414
	Manufacturing and industrial		---			---			---			76,295		76,295
			675			3,005			3,680			460,914		464,594
	Consumer:
	Residential mortgage		664			141			805			188,247		189,052
	Unsecured		66			---			66			1,030		1,096
	Home equity		81			392			473			94,011		94,484
	Other secured		12			---			12			10,139		10,151
			823			533			1,356			293,427		294,783
	Total	$	1,517		$	3,659		$	5,176		$	1,038,353	$	1,043,529
		30-90			Greater Than			Total			Loans Not
	31-Dec-13	Days			90 Days			Past Due			Past Due		Total
	Commercial and industrial	$	---		$	---		$	---		$	274,099	$	274,099
	Commercial real estate:
	Residential developed		143			2,296			2,439			15,691		18,130
	Unsecured to residential developers		---			---			---			7,315		7,315
	Vacant and unimproved		---			---			---			42,988		42,988
	Commercial development		---			23			23			2,411		2,434
	Residential improved		98			50			148			76,146		76,294
	Commercial improved		438			2,056			2,494			244,701		247,195
	Manufacturing and industrial		---			---			---			77,984		77,984
			679			4,425			5,104			467,236		472,340
	Consumer:
	Residential mortgage		78			---			78			188,570		188,648
	Unsecured		9			---			9			1,328		1,337
	Home equity		317			---			317			95,644		95,961
	Other secured		12			---			12			9,980		9,992
			416			---			416			295,522		295,938
	Total	$	1,095		$	4,425		$	5,520		$	1,036,857	$	1,042,377
Troubled debt restructurings	'
	The following table presents information regarding troubled debt restructurings as of June 30, 2014 and December 31, 2013 (dollars in thousands):
		30-Jun-14						31-Dec-13
		Number of			Outstanding			Number of			Outstanding
		Loans			Recorded			Loans			Recorded
					Balance						Balance
	Commercial and industrial		41		$	9,851			43		$	7,787
	Commercial real estate		106			39,348			122			45,774
	Consumer		106			14,585			106			14,531
			253		$	63,784			271		$	68,092
	The following tables present information regarding troubled debt restructurings executed during the three month periods ended June 30, 2014 and 2013 (dollars in thousands):
	Three Months Ended June 30, 2014	Number of Loans			Pre-Modification			Principal
					Outstanding			Writedown upon
					Recorded Balance			Modification
	Commercial and industrial		---		$	---		$	---
	Commercial real estate		6			1,783			---
	Consumer		1			70			---
			7		$	1,853		$	---
	Three Months Ended June 30, 2013	Number of Loans			Pre-Modification			Principal
					Outstanding			Writedown upon
					Recorded Balance			Modification
	Commercial and industrial		2		$	237		$	---
	Commercial real estate		4			1,276			---
	Consumer		7			448			---
			13		$	1,961		$	---
	The following tables present information regarding troubled debt restructurings executed during the six month periods ended June 30, 2014 and 2013 (dollars in thousands):
	Six Months Ended June 30, 2014	Number of Loans			Pre-Modification			Principal
					Outstanding			Writedown upon
					Recorded Balance			Modification
	Commercial and industrial		1		$	60		$	---
	Commercial real estate		10			4,046			---
	Consumer		2			74			---
			13		$	4,180		$	---
	Six Months Ended June 30, 2013	Number of Loans			Pre-Modification			Principal
					Outstanding			Writedown upon
					Recorded Balance			Modification
	Commercial and industrial		3		$	262		$	---
	Commercial real estate		9			2,717			---
	Consumer		30			5,469			1,770
			42		$	8,448		$	1,770
Modifications and renewal during period that are not considered TDRs	'
	The following table presents information regarding modifications and renewals executed during the three month periods ended June 30, 2014 and 2013 that are not considered TDRs (dollars in thousands):
		Three Months Ended						Three Months Ended
		30-Jun-14						30-Jun-13
		Number of			Outstanding			Number of			Outstanding
		Loans			Recorded			Loans			Recorded
					Balance						Balance
	Commercial and industrial		133		$	23,840			124		$	18,526
	Commercial real estate		61			17,328			103			40,047
	Consumer		4			273			17			738
			198		$	41,441			244		$	59,311
	The following table presents information regarding modifications and renewals executed during the six month periods ended June 30, 2014 and 2013 that are not considered TDRs (dollars in thousands):
		Six Months Ended						Six Months Ended
		30-Jun-14						30-Jun-13
		Number of			Outstanding			Number of			Outstanding
		Loans			Recorded			Loans			Recorded
					Balance						Balance
	Commercial and industrial		198		$	39,824			210		$	48,453
	Commercial real estate		101			24,913			197			75,636
	Consumer		12			1,275			28			932
			311		$	66,012			435		$	125,021
Troubled debt restructured loans that defaulted during the period	'
	The table below presents, by class, information regarding troubled debt restructured loans which had payment defaults during the three month periods ended June 30, 2014 and 2013 (dollars in thousands). Included are loans that became delinquent more than 90 days past due or transferred to nonaccrual within 12 months of restructuring.
		Three Months Ended						Three Months Ended
		30-Jun-14						30-Jun-13
		Number of			Outstanding			Number of			Outstanding
		Loans			Recorded			Loans			Recorded
					Balance						Balance
	Commercial and industrial		---		$	---			---		$	---
	Commercial real estate		---			---			---			---
	Consumer		---			---			---			---
	The table below presents, by class, information regarding troubled debt restructured loans which had payment defaults during the six month periods ended June 30, 2014 and 2013 (dollars in thousands). Included are loans that became delinquent more than 90 days past due or transferred to nonaccrual within 12 months of restructuring.
		Six Months Ended						Six Months Ended
		30-Jun-14						30-Jun-13
		Number of			Outstanding			Number of			Outstanding
		Loans			Recorded			Loans			Recorded
					Balance						Balance
	Commercial and industrial		---		$	---			---		$	---
	Commercial real estate		1			131			---			---
	Consumer		---			---			---			---
Risk grade category of loans by class of loans	'
	As of June 30, 2014 and December 31, 2013, the risk grade category of commercial loans by class of loans were as follows (dollars in thousands):
	30-Jun-14	1			2			3			4		5			6		7		8
	Commercial and industrial	$	55		$	12,777		$	100,673		$	155,099	$	10,359		$	1,704	$	3,485	$	---
	Commercial real estate:
	Residential developed		---			---			1,686			5,033		6,015			876		2,249		---
	Unsecured to residential developers		---			---			---			7,128		3			---		---		---
	Vacant and unimproved		---			---			10,671			24,530		6,596			389		---		---
	Commercial development		---			---			---			4,012		224			203		29		---
	Residential improved		---			106			15,736			44,778		6,768			3,928		925		---
	Commercial improved		---			5,901			53,061			157,701		24,318			4,832		601		---
	Manufacturing and industrial		---			756			24,221			46,178		4,505			635		---		---
		$	55		$	19,540		$	206,048		$	444,459	$	58,788		$	12,567	$	7,289	$	---
	31-Dec-13	1			2			3			4		5			6		7		8
	Commercial and industrial	$	509		$	15,836		$	81,577		$	155,680	$	13,513		$	1,359	$	5,625	$	---
	Commercial real estate:
	Residential developed		---			---			2,039			5,653		5,232			2,616		2,590		---
	Unsecured to residential developers		---			---			---			7,309		6			---		---		---
	Vacant and unimproved		---			---			11,191			24,638		6,761			398		---		---
	Commercial development		---			---			---			1,673		532			207		23		---
	Residential improved		---			109			15,121			45,018		9,391			6,226		429		---
	Commercial improved		---			7,382			45,391			161,897		24,937			5,075		2,511		---
	Manufacturing and industrial		---			311			24,546			42,133		10,402			593		---		---
		$	509		$	23,638		$	179,865		$	444,001	$	70,774		$	16,474	$	11,178	$	---
Commercial loans classified as substandard or worse	'
	Commercial loans classified as substandard or worse were as follows at period-end (dollars in thousands):
		June 30,			December 31,
		2014			2013
	Not classified as impaired	$	4,926		$	7,400
	Classified as impaired		14,930			20,252
	Total commercial loans classified substandard or worse	$	19,856		$	27,652
Recorded investment in consumer loans based on payment activity	'
	The following table presents the recorded investment in consumer loans based on payment activity (dollars in thousands):
		Residential			Consumer			Home			Consumer
	30-Jun-14	Mortgage			Unsecured			Equity			Other
	Performing	$	188,911		$	1,096		$	94,092		$	10,151
	Nonperforming		141			---			392			---
	Total	$	189,052		$	1,096		$	94,484		$	10,151
		Residential			Consumer			Home			Consumer
	31-Dec-13	Mortgage			Unsecured			Equity			Other
	Performing	$	188,648		$	1,337		$	95,961		$	9,992
	Nonperforming		---			---			---			---
	Total	$	188,648		$	1,337		$	95,961		$	9,992

OTHER_REAL_ESTATE_OWNED_Tables

OTHER REAL ESTATE OWNED (Tables)	6 Months Ended
	Jun. 30, 2014
OTHER REAL ESTATE OWNED [Abstract]	'
Period-end other real estate owned	'
	Other real estate owned was as follows (dollars in thousands):
		Six			Year			Six
		Months Ended			Ended			Months Ended
		June 30,			December 31,			June 30,
		2014			2013			2013
	Beginning balance	$	53,501		$	69,743		$	69,743
	Additions, transfers from loans		2,274			3,539			2,754
	Proceeds from sales of other real estate owned		(7,362	)		(16,501	)		(8,138	)
	Valuation allowance reversal upon sale		(2,564	)		(4,378	)		(2,308	)
	Gain on sale of other real estate owned		476			1,098			614
			46,325			53,501			62,665
	Less: valuation allowance		(14,802	)		(16,705	)		(16,820	)
	Ending balance	$	31,523		$	36,796		$	45,845
Activity in valuation allowance	'
	Activity in the valuation allowance was as follows (dollars in thousands):
		Six Months			Six Months
		Ended			Ended
		June 30,			June 30,
		2014			2013
	Beginning balance	$	16,705		$	18,161
	Additions charged to expense		661			967
	Reversals upon sale		(2,564	)		(2,308	)
	Ending balance	$	14,802		$	16,820

FAIR_VALUE_Tables

FAIR VALUE (Tables)	6 Months Ended
	Jun. 30, 2014
FAIR VALUE [Abstract]	'
Assets measured at fair value on a recurring basis	'
	Assets measured at fair value on a recurring basis are summarized below (in thousands):
			Fair				Quoted Prices				Significant				Significant
							in Active				Other				Unobservable
							Markets for				Observable				Inputs
							Identical
							Assets
			Value				(Level 1)				Inputs (Level 2)				(Level 3)
	30-Jun-14
	U.S. Treasury and federal agency securities		$	59,375			$	---			$	59,375			$	---
	U.S. Agency MBS and CMOs			18,202				---				18,202				---
	Tax-exempt state and municipal bonds			34,734				---				34,734				---
	Taxable state and municipal bonds			25,413				---				25,413				---
	Corporate bonds and other debt securities			13,009				---				13,009				---
	Other equity securities			1,494				---				1,494				---
	Loans held for sale			1,409				---				1,409				---
	Interest rate swaps			168				---				---				168
	Interest rate swaps			(168	)			---				---				(168	)
	31-Dec-13
	U.S. Treasury and federal agency securities		$	54,439			$	---			$	54,439			$	---
	U.S. Agency MBS and CMOs			19,365				---				19,365				---
	Tax-exempt state and municipal bonds			26,849				---				26,849				---
	Taxable state and municipal bonds			26,328				---				26,328				---
	Corporate bonds and other debt securities			11,212				---				11,212				---
	Other equity securities			1,466				---				1,466				---
	Loans held for sale			1,915				---				1,915				---
	Interest rate swaps			94				---				---				94
	Interest rate swaps			(94	)			---				---				(94	)
Assets measured at fair value on a non-recurring basis	'
	Assets measured at fair value on a non-recurring basis are summarized below (in thousands):
			Fair				Quoted Prices				Significant Other				Significant
							in Active				Observable				Unobservable
							Markets for								Inputs
							Identical Assets
			Value				(Level 1)				Inputs (Level 2)				(Level 3)
	30-Jun-14
	Impaired loans		$	17,492			$	---			$	---			$	17,492
	Other real estate owned			24,380				---				---				24,380
	31-Dec-13
	Impaired loans		$	22,403			$	---			$	---			$	22,403
	Other real estate owned			29,711				---				---				29,711
Carrying amounts and estimated fair values of financial instruments, not previously presented	'
		Level in		30-Jun-14								31-Dec-13
		Fair Value		Carrying				Fair				Carrying				Fair
		Hierarchy		Amount				Value				Amount				Value
	Financial assets
	Cash and due from banks	Level 1		$	37,533			$	37,533			$	38,714			$	38,714
	Cash equivalents	Level 2			80,432				80,432				118,178				118,178
	Interest-bearing time deposits in other financial institutions	Level 2			32,500				32,555				25,000				25,003
	Securities held to maturity	Level 3			19,123				19,184				19,248				19,278
	FHLB stock				11,236			NA					11,236			NA
	Loans, net	Level 2			1,005,989				999,331				999,176				990,084
	Bank owned life insurance	Level 3			27,845				27,845				27,517				27,517
	Accrued interest receivable	Level 2			3,264				3,264				3,231				3,231
	Financial liabilities
	Deposits	Level 2			(1,215,724	)			(1,216,410	)			(1,249,734	)			(1,250,886	)
	Other borrowed funds	Level 2			(88,774	)			(89,713	)			(89,991	)			(90,321	)
	Long-term debt	Level 2			(41,238	)			(35,405	)			(41,238	)			(35,098	)
	Subordinated debt	Level 2			---				---				---				---
	Accrued interest payable	Level 2			(303	)			(303	)			(308	)			(308	)
	Off-balance sheet credit-related items
	Loan commitments				---				---				---				---

DEPOSITS_Tables

DEPOSITS (Tables)	6 Months Ended
	Jun. 30, 2014
DEPOSITS [Abstract]	'
Deposits at period-end	'
	Deposits are summarized as follows (in thousands):
		June 30,		December 31,
		2014		2013
	Noninterest-bearing demand	$	383,102	$	344,550
	Interest bearing demand		259,449		287,417
	Savings and money market accounts		441,046		469,542
	Certificates of deposit		132,127		148,225
		$	1,215,724	$	1,249,734

OTHER_BORROWED_FUNDS_Tables

OTHER BORROWED FUNDS (Tables)	6 Months Ended
	Jun. 30, 2014
OTHER BORROWED FUNDS [Abstract]	'
Advances from Federal Home Loan Bank	'
	At period-end, advances from the Federal Home Loan Bank were as follows (dollars in thousands):
					Weighted
		Advance			Average
	Principal Terms	Amount		Range of Maturities	Interest Rate
	30-Jun-14
	Single maturity fixed rate advances	$	80,000	August 2016 to February 2019		1.69	%
	Amortizable mortgage advances		8,774	March 2018 to July 2018		3.77	%
		$	88,774
					Weighted
		Advance			Average
	Principal Terms	Amount		Range of Maturities	Interest Rate
	31-Dec-13
	Single maturity fixed rate advances	$	80,000	August 2016 to February 2019		1.69	%
	Amortizable mortgage advances		9,991	March 2018 to July 2018		3.78	%
		$	89,991
Scheduled repayments of FHLB advances	'
	Scheduled repayments of FHLB advances as of June 30, 2014 were as follows (in thousands):
	2014	$	667
	2015		1,938
	2016		21,996
	2017		2,055
	2018		52,118
	Thereafter		10,000
		$	88,774

EARNINGS_PER_COMMON_SHARE_Tabl

EARNINGS PER COMMON SHARE (Tables)	6 Months Ended
	Jun. 30, 2014
EARNINGS PER COMMON SHARE [Abstract]	'
Reconciliation of numerators and denominators of basic and diluted earnings per common share	'
	A reconciliation of the numerators and denominators of basic and diluted earnings per common share for the three and six month periods ended June 30, 2014 and 2013 are as follows (dollars in thousands, except per share data):
		Three Months		Three Months		Six Months		Six Months
		Ended		Ended		Ended		Ended
		June 30,		June 30,		June 30,		June 30,
		2014		2013		2014		2013
	Net income	$	2,755	$	2,603	$	5,393	$	5,077
	Dividends declared on preferred shares		---		---		---		---
	Net income available to common shares	$	2,755	$	2,603	$	5,393	$	5,077
	Weighted average shares outstanding, including participating stock awards - Basic		33,788,431		27,260,748		33,789,481		27,185,505
	Dilutive potential common shares:
	Stock options		---		---		---		---
	Conversion of preferred stock		---		---		---		---
	Stock warrants		---		---		---		---
	Weighted average shares outstanding - Diluted		33,788,431		27,260,748		33,789,481		27,185,505
	Basic earnings per common share	$	0.08	$	0.1	$	0.16	$	0.19
	Diluted earnings per common share	$	0.08	$	0.1	$	0.16	$	0.19

FEDERAL_INCOME_TAXES_Tables

FEDERAL INCOME TAXES (Tables)	6 Months Ended
	Jun. 30, 2014
FEDERAL INCOME TAXES [Abstract]	'
Income tax expense (benefit)	'
	Income tax expense was as follows (dollars in thousands):
		Three Months			Three Months			Six Months			Six Months
		Ended			Ended			Ended			Ended
		June 30,			June 30,			June 30,			June 30,
		2014			2013			2014			2013
	Current	$	36		$	55		$	60		$	55
	Deferred		1,195			1,141			2,348			2,283
		$	1,231		$	1,196		$	2,408		$	2,338
Difference between financial statement tax expense (benefit) and amount computed by applying statutory federal tax rate to pretax income	'
	The difference between the financial statement tax expense and amount computed by applying the statutory federal tax rate to pretax income was reconciled as follows (dollars in thousands):
		Three Months			Three Months			Six Months			Six Months
		Ended			Ended			Ended			Ended
		June 30,			June 30,			June 30,			June 30,
		2014			2013			2014			2013
	Statutory rate		35	%		35	%		35	%		35	%
	Statutory rate applied to income before taxes	$	1,395		$	1,330		$	2,730		$	2,595
	Add (deduct)
	Tax-exempt interest income		(89	)		(50	)		(174	)		(96	)
	Bank-owned life insurance		(61	)		(65	)		(115	)		(125	)
	Other, net		(14	)		(19	)		(33	)		(36	)
		$	1,231		$	1,196		$	2,408		$	2,338
Deferred tax assets and liabilities	'
	The net deferred tax asset recorded included the following amounts of deferred tax assets and liabilities (dollars in thousands):
		June 30,			December 31,
		2014			2013
	Deferred tax assets
	Allowance for loan losses	$	7,017		$	7,279
	Nonaccrual loan interest		875			782
	Valuation allowance on other real estate owned		5,181			5,847
	Net operating loss carryforward		141			1,743
	Unrealized loss on securities available for sale		254			1,053
	Other		1,826			1,808
	Gross deferred tax assets		15,294			18,512
	Valuation allowance		---			---
	Total net deferred tax assets		15,294			18,512
	Deferred tax liabilities
	Depreciation		(1,537	)		(1,620	)
	Prepaid expenses		(308	)		(308	)
	Other		(396	)		(384	)
	Gross deferred tax liabilities		(2,241	)		(2,312	)
	Net deferred tax asset	$	13,053		$	16,200

COMMITMENTS_AND_OFF_BALANCESHE1

COMMITMENTS AND OFF BALANCE-SHEET RISK (Tables)	6 Months Ended
	Jun. 30, 2014
COMMITMENTS AND OFF BALANCE-SHEET RISK [Abstract]	'
Summary of contractual amounts of financial instruments with off-balance-sheet risk	'
	A summary of the contractual amounts of financial instruments with off‑balance‑sheet risk was as follows at period-end (dollars in thousands):
		June 30,		December 31,
		2014		2013
	Commitments to make loans	$	169,904		$	87,513
	Letters of credit		10,858			10,774
	Unused lines of credit		323,956			313,232

SHAREHOLDERS_EQUITY_Tables

SHAREHOLDERS' EQUITY (Tables)	6 Months Ended
	Jun. 30, 2014
SHAREHOLDERS' EQUITY [Abstract]	'
Actual capital levels and minimum required levels	'
	At June 30, 2014 and December 31, 2013, actual capital levels and minimum required levels were (in thousands):
												To Be Well
							Minimum Required					Capitalized Under
							For Capital					Prompt Corrective
		Actual					Adequacy Purposes					Action Regulations
		Amount		Ratio			Amount		Ratio			Amount			Ratio
	30-Jun-14
	Total capital (to risk weighted assets)
	Consolidated	$	181,711		16.3	%	$	88,998		8	%		N/	A		N/	A
	Bank		179,010		16.1			89,152		8		$	111,440			10	%
	Tier 1 capital (to risk weighted assets)
	Consolidated		167,729		15.1			44,499		4			N/	A		N/	A
	Bank		165,005		14.8			44,576		4			66,864			6
	Tier 1 capital (to average assets)
	Consolidated		167,729		11.4			58,688		4			N/	A		N/	A
	Bank		165,005		11.3			58,631		4			73,289			5
	31-Dec-13
	Total capital (to risk weighted assets)
	Consolidated	$	174,433		15.7	%	$	88,915		8	%		N/	A		N/	A
	Bank		171,811		15.4			88,968		8		$	111,210			10	%
	Tier 1 capital (to risk weighted assets)
	Consolidated		160,455		14.4			44,457		4			N/	A		N/	A
	Bank		157,825		14.2			44,484		4			66,726			6
	Tier 1 capital (to average assets)
	Consolidated		160,455		10.6			60,482		4			N/	A		N/	A
	Bank		157,825		10.5			60,407		4			75,509			5

SUMMARY_OF_SIGNIFICANT_ACCOUNT2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) (USD $)	6 Months Ended
	Jun. 30, 2014	Dec. 31, 2013
	InterestRateSwap
	Grade
	Branch
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]	'	'
Number of full service branch offices	26	'
Allowance for Loan Losses [Abstract]	'	'
Period for annualized historical loss experience used for commercial loans	'18 months	'
Period of historical loss experience applied to residential mortgage and consumer loan portfolios	'12 months	'
Threshold for commercial and commercial real estate loans evaluated for impairment	$500,000	'
Minimum internal risk grading of commercial and commercial real estate loans evaluated for impairment	6	'
Income Taxes [Abstract]	'	'
Percentage of more likely than not tax position that would be sustained in a tax examination (in hundredths)	50.00%	'
Derivatives [Abstract]	'	'
Number of freestanding interest rate swaps	2	'
Notional amount of agreements	20,000,000	20,000,000
Derivative asset fair value	168,000	94,000
Trading liability fair value	$168,000	$94,000

SECURITIES_Details

SECURITIES (Details) (USD $)	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Dec. 31, 2013
Available for Sale [Abstract]	'	'	'	'	'
Amortized Cost	$152,952,000	'	$152,952,000	'	$142,667,000
Gross Unrealized Gains	868,000	'	868,000	'	519,000
Gross Unrealized Losses	-1,593,000	'	-1,593,000	'	-3,527,000
Fair Value	152,227,000	'	152,227,000	'	139,659,000
Held to Maturity [Abstract]	'	'	'	'	'
Fair Value	19,184,000	'	19,184,000	'	19,278,000
Proceeds from sale of available-for-sale securities	4,600,000	3,200,000	5,164,000	3,778,000	'
Gain on sale of securities	41,000	61,000	51,000	80,000	'
Reclassification adjustment for securities gain recognized in earnings, net of tax	27,000	40,000	33,000	52,000	'
Held-to-Maturity Securities, Amortized Cost [Abstract]	'	'	'	'	'
Due in one year or less	12,700,000	'	12,700,000	'	'
Due from one to five years	630,000	'	630,000	'	'
Due from five to ten years	5,533,000	'	5,533,000	'	'
Due after ten years	260,000	'	260,000	'	'
Held-to-Maturity Securities, Total Amortized Cost	19,123,000	'	19,123,000	'	19,248,000
Held-to-Maturity Securities, Fair Value [Abstract]	'	'	'	'	'
Due in one year or less	12,700,000	'	12,700,000	'	'
Due from one to five years	632,000	'	632,000	'	'
Due from five to ten years	5,599,000	'	5,599,000	'	'
Due after ten years	253,000	'	253,000	'	'
Held-to-maturity securities, Total Fair Value	19,184,000	'	19,184,000	'	19,278,000
Available-for-Sale Securities, Amortized Cost [Abstract]	'	'	'	'	'
Due in one year or less	4,028,000	'	4,028,000	'	'
Due from one to five years	70,537,000	'	70,537,000	'	'
Due from five to ten years	51,123,000	'	51,123,000	'	'
Due after ten years	25,764,000	'	25,764,000	'	'
Available-for-Sale Securities, Total Amortized Cost	151,452,000	'	151,452,000	'	'
Available-for-Sale Securities, Fair Value [Abstract]	'	'	'	'	'
Due in one year or less	4,062,000	'	4,062,000	'	'
Due from one to five years	70,788,000	'	70,788,000	'	'
Due from five to ten years	50,491,000	'	50,491,000	'	'
Due after ten years	25,392,000	'	25,392,000	'	'
Available-for-Sale Securities, Total Fair Value	150,733,000	'	150,733,000	'	'
Securities in continuous unrealized losses position, Fair value [Abstract]	'	'	'	'	'
Less than 12 Months, Fair Value	37,601,000	'	37,601,000	'	98,058,000
12 Months or More, Fair Value	72,059,000	'	72,059,000	'	1,846,000
Total, Fair Value	109,660,000	'	109,660,000	'	99,904,000
Securities in continuous unrealized loss position, Aggregate losses [Abstract]	'	'	'	'	'
Less than 12 Months, Unrealized Losses	'	'	-178,000	'	-3,446,000
12 Months or More, Unrealized Losses	'	'	-1,456,000	'	-97,000
Total, Unrealized Loss	'	'	-1,634,000	'	-3,543,000
Securities pledged as security for public deposits, letters of credit and for other purposes required or permitted by law	1,000,000	'	1,000,000	'	1,000,000
U.S. Treasury and Federal Agency Securities [Member]	'	'	'	'	'
Available for Sale [Abstract]	'	'	'	'	'
Amortized Cost	60,051,000	'	60,051,000	'	55,701,000
Gross Unrealized Gains	68,000	'	68,000	'	92,000
Gross Unrealized Losses	-744,000	'	-744,000	'	-1,354,000
Fair Value	59,375,000	'	59,375,000	'	54,439,000
Securities in continuous unrealized losses position, Fair value [Abstract]	'	'	'	'	'
Less than 12 Months, Fair Value	8,109,000	'	8,109,000	'	43,212,000
12 Months or More, Fair Value	40,374,000	'	40,374,000	'	0
Total, Fair Value	48,483,000	'	48,483,000	'	43,212,000
Securities in continuous unrealized loss position, Aggregate losses [Abstract]	'	'	'	'	'
Less than 12 Months, Unrealized Losses	'	'	-31,000	'	-1,354,000
12 Months or More, Unrealized Losses	'	'	-713,000	'	0
Total, Unrealized Loss	'	'	-744,000	'	-1,354,000
U.S. Agency MBS and CMOs [Member]	'	'	'	'	'
Available for Sale [Abstract]	'	'	'	'	'
Amortized Cost	18,459,000	'	18,459,000	'	20,029,000
Gross Unrealized Gains	42,000	'	42,000	'	9,000
Gross Unrealized Losses	-299,000	'	-299,000	'	-673,000
Fair Value	18,202,000	'	18,202,000	'	19,365,000
Securities in continuous unrealized losses position, Fair value [Abstract]	'	'	'	'	'
Less than 12 Months, Fair Value	4,298,000	'	4,298,000	'	18,494,000
12 Months or More, Fair Value	10,599,000	'	10,599,000	'	0
Total, Fair Value	14,897,000	'	14,897,000	'	18,494,000
Securities in continuous unrealized loss position, Aggregate losses [Abstract]	'	'	'	'	'
Less than 12 Months, Unrealized Losses	'	'	-34,000	'	-673,000
12 Months or More, Unrealized Losses	'	'	-265,000	'	0
Total, Unrealized Loss	'	'	-299,000	'	-673,000
Tax-Exempt State and Municipal Bonds [Member]	'	'	'	'	'
Available for Sale [Abstract]	'	'	'	'	'
Amortized Cost	34,899,000	'	34,899,000	'	27,920,000
Gross Unrealized Gains	235,000	'	235,000	'	47,000
Gross Unrealized Losses	-400,000	'	-400,000	'	-1,118,000
Fair Value	34,734,000	'	34,734,000	'	26,849,000
Held to Maturity [Abstract]	'	'	'	'	'
Amortized Cost	19,123,000	'	19,123,000	'	19,248,000
Gross Unrealized Gains	102,000	'	102,000	'	46,000
Gross Unrealized Losses	-41,000	'	-41,000	'	-16,000
Fair Value	19,184,000	'	19,184,000	'	19,278,000
Held-to-Maturity Securities, Fair Value [Abstract]	'	'	'	'	'
Held-to-maturity securities, Total Fair Value	19,184,000	'	19,184,000	'	19,278,000
Securities in continuous unrealized losses position, Fair value [Abstract]	'	'	'	'	'
Less than 12 Months, Fair Value	21,946,000	'	21,946,000	'	21,359,000
12 Months or More, Fair Value	13,104,000	'	13,104,000	'	831,000
Total, Fair Value	35,050,000	'	35,050,000	'	22,190,000
Securities in continuous unrealized loss position, Aggregate losses [Abstract]	'	'	'	'	'
Less than 12 Months, Unrealized Losses	'	'	-103,000	'	-1,066,000
12 Months or More, Unrealized Losses	'	'	-338,000	'	-68,000
Total, Unrealized Loss	'	'	-441,000	'	-1,134,000
Taxable State and Municipal Bonds [Member]	'	'	'	'	'
Available for Sale [Abstract]	'	'	'	'	'
Amortized Cost	25,087,000	'	25,087,000	'	26,306,000
Gross Unrealized Gains	438,000	'	438,000	'	307,000
Gross Unrealized Losses	-112,000	'	-112,000	'	-285,000
Fair Value	25,413,000	'	25,413,000	'	26,328,000
Securities in continuous unrealized losses position, Fair value [Abstract]	'	'	'	'	'
Less than 12 Months, Fair Value	1,635,000	'	1,635,000	'	9,599,000
12 Months or More, Fair Value	4,503,000	'	4,503,000	'	1,015,000
Total, Fair Value	6,138,000	'	6,138,000	'	10,614,000
Securities in continuous unrealized loss position, Aggregate losses [Abstract]	'	'	'	'	'
Less than 12 Months, Unrealized Losses	'	'	-4,000	'	-256,000
12 Months or More, Unrealized Losses	'	'	-108,000	'	-29,000
Total, Unrealized Loss	'	'	-112,000	'	-285,000
Corporate Bonds and Other Debt Securities [Member]	'	'	'	'	'
Available for Sale [Abstract]	'	'	'	'	'
Amortized Cost	12,956,000	'	12,956,000	'	11,211,000
Gross Unrealized Gains	85,000	'	85,000	'	64,000
Gross Unrealized Losses	-32,000	'	-32,000	'	-63,000
Fair Value	13,009,000	'	13,009,000	'	11,212,000
Securities in continuous unrealized losses position, Fair value [Abstract]	'	'	'	'	'
Less than 12 Months, Fair Value	1,613,000	'	1,613,000	'	3,928,000
12 Months or More, Fair Value	1,979,000	'	1,979,000	'	0
Total, Fair Value	3,592,000	'	3,592,000	'	3,928,000
Securities in continuous unrealized loss position, Aggregate losses [Abstract]	'	'	'	'	'
Less than 12 Months, Unrealized Losses	'	'	-6,000	'	-63,000
12 Months or More, Unrealized Losses	'	'	-26,000	'	0
Total, Unrealized Loss	'	'	-32,000	'	-63,000
Other Equity Securities [Member]	'	'	'	'	'
Available for Sale [Abstract]	'	'	'	'	'
Amortized Cost	1,500,000	'	1,500,000	'	1,500,000
Gross Unrealized Gains	0	'	0	'	0
Gross Unrealized Losses	-6,000	'	-6,000	'	-34,000
Fair Value	1,494,000	'	1,494,000	'	1,466,000
Securities in continuous unrealized losses position, Fair value [Abstract]	'	'	'	'	'
Less than 12 Months, Fair Value	0	'	0	'	1,466,000
12 Months or More, Fair Value	1,500,000	'	1,500,000	'	0
Total, Fair Value	1,500,000	'	1,500,000	'	1,466,000
Securities in continuous unrealized loss position, Aggregate losses [Abstract]	'	'	'	'	'
Less than 12 Months, Unrealized Losses	'	'	0	'	-34,000
12 Months or More, Unrealized Losses	'	'	-6,000	'	0
Total, Unrealized Loss	'	'	($6,000)	'	($34,000)

LOANS_Details

LOANS (Details) (USD $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Portfolio loans [Abstract]	'	'
Total loans	$1,043,529	$1,042,377
Allowance for loan losses	-20,049	-20,798
Net loans	1,023,480	1,021,579
Commercial and Industrial [Member]	'	'
Portfolio loans [Abstract]	'	'
Total loans	284,152	274,099
Commercial Real Estate [Member]	'	'
Portfolio loans [Abstract]	'	'
Total loans	464,594	472,340
Residential Developed [Member]	'	'
Portfolio loans [Abstract]	'	'
Total loans	15,859	18,130
Unsecured to Residential Developers [Member]	'	'
Portfolio loans [Abstract]	'	'
Total loans	7,131	7,315
Vacant and Unimproved [Member]	'	'
Portfolio loans [Abstract]	'	'
Total loans	42,186	42,988
Commercial Development [Member]	'	'
Portfolio loans [Abstract]	'	'
Total loans	4,468	2,434
Residential Improved [Member]	'	'
Portfolio loans [Abstract]	'	'
Total loans	72,241	76,294
Commercial Improved [Member]	'	'
Portfolio loans [Abstract]	'	'
Total loans	246,414	247,195
Manufacturing and Industrial [Member]	'	'
Portfolio loans [Abstract]	'	'
Total loans	76,295	77,984
Consumer [Member]	'	'
Portfolio loans [Abstract]	'	'
Total loans	294,783	295,938
Residential Mortgage [Member]	'	'
Portfolio loans [Abstract]	'	'
Total loans	189,052	188,648
Unsecured [Member]	'	'
Portfolio loans [Abstract]	'	'
Total loans	1,096	1,337
Home Equity [Member]	'	'
Portfolio loans [Abstract]	'	'
Total loans	94,484	95,961
Other Secured [Member]	'	'
Portfolio loans [Abstract]	'	'
Total loans	$10,151	$9,992

LOANS_Allowance_for_Loans_Loss

LOANS, Allowance for Loans Losses by Portfolio (Details) (USD $)	3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Allowance for loan losses by portfolio [Roll Forward]	'	'	'	'
Beginning balance	$20,383	$23,487	$20,798	$23,739
Charge-offs	-92	-698	-174	-1,341
Recoveries	758	459	1,425	1,600
Provision for loan losses	-1,000	-1,000	2,000	1,750
Ending balance	20,049	22,248	20,049	22,248
Commercial and Industrial [Member]	'	'	'	'
Allowance for loan losses by portfolio [Roll Forward]	'	'	'	'
Beginning balance	6,087	5,980	6,174	6,459
Charge-offs	0	-87	-39	-249
Recoveries	327	71	366	427
Provision for loan losses	307	-362	-220	1,035
Ending balance	6,721	5,602	6,721	5,602
Commercial Real Estate [Member]	'	'	'	'
Allowance for loan losses by portfolio [Roll Forward]	'	'	'	'
Beginning balance	10,372	13,358	10,868	13,457
Charge-offs	-23	-222	-23	-459
Recoveries	363	310	953	994
Provision for loan losses	-1,371	-1,122	2,457	1,668
Ending balance	9,341	12,324	9,341	12,324
Consumer [Member]	'	'	'	'
Allowance for loan losses by portfolio [Roll Forward]	'	'	'	'
Beginning balance	3,875	4,102	3,703	3,787
Charge-offs	-69	-389	-112	-633
Recoveries	68	78	106	179
Provision for loan losses	59	464	-236	-922
Ending balance	3,933	4,255	3,933	4,255
Unallocated [Member]	'	'	'	'
Allowance for loan losses by portfolio [Roll Forward]	'	'	'	'
Beginning balance	49	47	53	36
Charge-offs	0	0	'	0
Recoveries	0	0	'	0
Provision for loan losses	5	20	-1	-31
Ending balance	$54	$67	$54	$67

LOANS_Allowance_for_Loans_Loss1

LOANS, Allowance for Loans Losses (Details) (USD $)	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Ending allowance attributable to loans [Abstract]	'	'	'	'	'	'
Individually reviewed for impairment	$4,729	'	$3,870	'	'	'
Collectively evaluated for impairment	15,320	'	16,928	'	'	'
Total ending allowance balance	20,049	20,383	20,798	22,248	23,487	23,739
Loans [Abstract]	'	'	'	'	'	'
Individually reviewed for impairment	63,864	'	68,923	'	'	'
Collectively evaluated for impairment	979,665	'	973,454	'	'	'
Total ending loans balance	1,043,529	'	1,042,377	'	'	'
Commercial and Industrial [Member]	'	'	'	'	'	'
Ending allowance attributable to loans [Abstract]	'	'	'	'	'	'
Individually reviewed for impairment	3,006	'	1,981	'	'	'
Collectively evaluated for impairment	3,715	'	4,193	'	'	'
Total ending allowance balance	6,721	6,087	6,174	5,602	5,980	6,459
Loans [Abstract]	'	'	'	'	'	'
Individually reviewed for impairment	10,371	'	13,155	'	'	'
Collectively evaluated for impairment	273,781	'	260,944	'	'	'
Total ending loans balance	284,152	'	274,099	'	'	'
Commercial Real Estate [Member]	'	'	'	'	'	'
Ending allowance attributable to loans [Abstract]	'	'	'	'	'	'
Individually reviewed for impairment	839	'	1,008	'	'	'
Collectively evaluated for impairment	8,502	'	9,860	'	'	'
Total ending allowance balance	9,341	10,372	10,868	12,324	13,358	13,457
Loans [Abstract]	'	'	'	'	'	'
Individually reviewed for impairment	38,946	'	41,285	'	'	'
Collectively evaluated for impairment	425,648	'	431,055	'	'	'
Total ending loans balance	464,594	'	472,340	'	'	'
Consumer [Member]	'	'	'	'	'	'
Ending allowance attributable to loans [Abstract]	'	'	'	'	'	'
Individually reviewed for impairment	884	'	881	'	'	'
Collectively evaluated for impairment	3,049	'	2,822	'	'	'
Total ending allowance balance	3,933	3,875	3,703	4,255	4,102	3,787
Loans [Abstract]	'	'	'	'	'	'
Individually reviewed for impairment	14,547	'	14,483	'	'	'
Collectively evaluated for impairment	280,236	'	281,455	'	'	'
Total ending loans balance	294,783	'	295,938	'	'	'
Unallocated [Member]	'	'	'	'	'	'
Ending allowance attributable to loans [Abstract]	'	'	'	'	'	'
Individually reviewed for impairment	0	'	0	'	'	'
Collectively evaluated for impairment	54	'	53	'	'	'
Total ending allowance balance	54	49	53	67	47	36
Loans [Abstract]	'	'	'	'	'	'
Individually reviewed for impairment	0	'	0	'	'	'
Collectively evaluated for impairment	0	'	0	'	'	'
Total ending loans balance	$0	'	$0	'	'	'

LOANS_Impaired_Loans_Details

LOANS, Impaired Loans (Details) (USD $)	3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Dec. 31, 2013
With no related allowance recorded [Abstract]	'	'	'	'	'
With no allowance, Unpaid Principal Balance	$9,692	'	$9,692	'	$13,467
With no allowance, Recorded Investment	8,759	'	8,759	'	12,006
With related allowance recorded [Abstract]	'	'	'	'	'
With related allowance, Unpaid Principal Balance	55,105	'	55,105	'	56,917
With related allowance, Recorded Investment	55,105	'	55,105	'	56,917
Allowance Allocated	4,729	'	4,729	'	3,870
Total impaired, Unpaid Principal Balance	64,797	'	64,797	'	70,384
Total impaired, Recorded Investment, Total	63,864	'	63,864	'	68,923
Commercial and Industrial [Member]	'	'	'	'	'
With no related allowance recorded [Abstract]	'	'	'	'	'
With no allowance, Unpaid Principal Balance	2,892	'	2,892	'	3,287
With no allowance, Recorded Investment	2,892	'	2,892	'	3,284
With related allowance recorded [Abstract]	'	'	'	'	'
With related allowance, Unpaid Principal Balance	7,479	'	7,479	'	9,871
With related allowance, Recorded Investment	7,479	'	7,479	'	9,871
Allowance Allocated	3,006	'	3,006	'	1,981
Impaired loans [Abstract]	'	'	'	'	'
Average of impaired loans	11,908	14,823	12,176	16,027	'
Interest income recognized during impairment	273	784	611	1,127	'
Cash-basis interest income recognized	276	599	615	935	'
Commercial Real Estate [Member]	'	'	'	'	'
With no related allowance recorded [Abstract]	'	'	'	'	'
With no allowance, Unpaid Principal Balance	6,800	'	6,800	'	10,180
With no allowance, Recorded Investment	5,867	'	5,867	'	8,722
With related allowance recorded [Abstract]	'	'	'	'	'
With related allowance, Unpaid Principal Balance	33,079	'	33,079	'	32,563
With related allowance, Recorded Investment	33,079	'	33,079	'	32,563
Allowance Allocated	839	'	839	'	1,008
Impaired loans [Abstract]	'	'	'	'	'
Interest income recognized during impairment	454	816	907	1,434	'
Cash-basis interest income recognized	471	879	922	1,469	'
Residential Developed [Member]	'	'	'	'	'
With no related allowance recorded [Abstract]	'	'	'	'	'
With no allowance, Unpaid Principal Balance	4,358	'	4,358	'	5,273
With no allowance, Recorded Investment	3,425	'	3,425	'	4,340
With related allowance recorded [Abstract]	'	'	'	'	'
With related allowance, Unpaid Principal Balance	596	'	596	'	618
With related allowance, Recorded Investment	596	'	596	'	618
Allowance Allocated	34	'	34	'	33
Impaired loans [Abstract]	'	'	'	'	'
Average of impaired loans	4,085	6,553	4,308	6,841	'
Unsecured to Residential Developers [Member]	'	'	'	'	'
With no related allowance recorded [Abstract]	'	'	'	'	'
With no allowance, Unpaid Principal Balance	0	'	0	'	0
With no allowance, Recorded Investment	0	'	0	'	0
With related allowance recorded [Abstract]	'	'	'	'	'
With related allowance, Unpaid Principal Balance	0	'	0	'	0
With related allowance, Recorded Investment	0	'	0	'	0
Allowance Allocated	0	'	0	'	0
Impaired loans [Abstract]	'	'	'	'	'
Average of impaired loans	0	0	0	0	'
Vacant and Unimproved [Member]	'	'	'	'	'
With no related allowance recorded [Abstract]	'	'	'	'	'
With no allowance, Unpaid Principal Balance	0	'	0	'	3
With no allowance, Recorded Investment	0	'	0	'	3
With related allowance recorded [Abstract]	'	'	'	'	'
With related allowance, Unpaid Principal Balance	1,625	'	1,625	'	1,900
With related allowance, Recorded Investment	1,625	'	1,625	'	1,900
Allowance Allocated	37	'	37	'	47
Impaired loans [Abstract]	'	'	'	'	'
Average of impaired loans	1,650	3,031	1,735	3,339	'
Commercial Development [Member]	'	'	'	'	'
With no related allowance recorded [Abstract]	'	'	'	'	'
With no allowance, Unpaid Principal Balance	263	'	263	'	362
With no allowance, Recorded Investment	263	'	263	'	362
With related allowance recorded [Abstract]	'	'	'	'	'
With related allowance, Unpaid Principal Balance	203	'	203	'	207
With related allowance, Recorded Investment	203	'	203	'	207
Allowance Allocated	5	'	5	'	5
Impaired loans [Abstract]	'	'	'	'	'
Average of impaired loans	483	14	505	15	'
Residential Improved [Member]	'	'	'	'	'
With no related allowance recorded [Abstract]	'	'	'	'	'
With no allowance, Unpaid Principal Balance	1,453	'	1,453	'	1,493
With no allowance, Recorded Investment	1,453	'	1,453	'	1,493
With related allowance recorded [Abstract]	'	'	'	'	'
With related allowance, Unpaid Principal Balance	7,546	'	7,546	'	9,534
With related allowance, Recorded Investment	7,546	'	7,546	'	9,534
Allowance Allocated	234	'	234	'	342
Impaired loans [Abstract]	'	'	'	'	'
Average of impaired loans	9,863	11,678	10,141	12,102	'
Commercial Improved [Member]	'	'	'	'	'
With no related allowance recorded [Abstract]	'	'	'	'	'
With no allowance, Unpaid Principal Balance	473	'	473	'	2,797
With no allowance, Recorded Investment	473	'	473	'	2,272
With related allowance recorded [Abstract]	'	'	'	'	'
With related allowance, Unpaid Principal Balance	18,102	'	18,102	'	14,450
With related allowance, Recorded Investment	18,102	'	18,102	'	14,450
Allowance Allocated	454	'	454	'	479
Impaired loans [Abstract]	'	'	'	'	'
Average of impaired loans	18,133	21,032	18,212	21,488	'
Manufacturing and Industrial [Member]	'	'	'	'	'
With no related allowance recorded [Abstract]	'	'	'	'	'
With no allowance, Unpaid Principal Balance	253	'	253	'	252
With no allowance, Recorded Investment	253	'	253	'	252
With related allowance recorded [Abstract]	'	'	'	'	'
With related allowance, Unpaid Principal Balance	5,007	'	5,007	'	5,854
With related allowance, Recorded Investment	5,007	'	5,007	'	5,854
Allowance Allocated	75	'	75	'	102
Impaired loans [Abstract]	'	'	'	'	'
Average of impaired loans	6,404	6,136	6,562	6,577	'
Consumer Loan [Member]	'	'	'	'	'
With no related allowance recorded [Abstract]	'	'	'	'	'
With no allowance, Unpaid Principal Balance	0	'	0	'	0
With no allowance, Recorded Investment	0	'	0	'	0
With related allowance recorded [Abstract]	'	'	'	'	'
With related allowance, Unpaid Principal Balance	14,547	'	14,547	'	14,483
With related allowance, Recorded Investment	14,547	'	14,547	'	14,483
Allowance Allocated	884	'	884	'	881
Impaired loans [Abstract]	'	'	'	'	'
Average of impaired loans	14,400	15,183	14,408	14,917	'
Interest income recognized during impairment	137	137	269	260	'
Cash-basis interest income recognized	137	133	271	257	'
Residential Mortgage [Member]	'	'	'	'	'
With no related allowance recorded [Abstract]	'	'	'	'	'
With no allowance, Unpaid Principal Balance	0	'	0	'	0
With no allowance, Recorded Investment	0	'	0	'	0
With related allowance recorded [Abstract]	'	'	'	'	'
With related allowance, Unpaid Principal Balance	9,577	'	9,577	'	9,454
With related allowance, Recorded Investment	9,577	'	9,577	'	9,454
Allowance Allocated	582	'	582	'	575
Unsecured [Member]	'	'	'	'	'
With no related allowance recorded [Abstract]	'	'	'	'	'
With no allowance, Unpaid Principal Balance	0	'	0	'	0
With no allowance, Recorded Investment	0	'	0	'	0
With related allowance recorded [Abstract]	'	'	'	'	'
With related allowance, Unpaid Principal Balance	0	'	0	'	0
With related allowance, Recorded Investment	0	'	0	'	0
Allowance Allocated	0	'	0	'	0
Home Equity [Member]	'	'	'	'	'
With no related allowance recorded [Abstract]	'	'	'	'	'
With no allowance, Unpaid Principal Balance	0	'	0	'	0
With no allowance, Recorded Investment	0	'	0	'	0
With related allowance recorded [Abstract]	'	'	'	'	'
With related allowance, Unpaid Principal Balance	4,970	'	4,970	'	5,029
With related allowance, Recorded Investment	4,970	'	4,970	'	5,029
Allowance Allocated	302	'	302	'	306
Other Secured [Member]	'	'	'	'	'
With no related allowance recorded [Abstract]	'	'	'	'	'
With no allowance, Unpaid Principal Balance	0	'	0	'	0
With no allowance, Recorded Investment	0	'	0	'	0
With related allowance recorded [Abstract]	'	'	'	'	'
With related allowance, Unpaid Principal Balance	0	'	0	'	0
With related allowance, Recorded Investment	0	'	0	'	0
Allowance Allocated	$0	'	$0	'	$0

LOANS_Past_Due_Loans_Details

LOANS, Past Due Loans (Details) (USD $)	6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Dec. 31, 2013
	Payment
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]	'	'
Nonaccrual	$7,835	$12,182
Over 90 days Accruing	230	153
Aging of recorded investment in past due loans by class of loans [Abstract]	'	'
30-90 Days	1,517	1,095
Greater Than 90 Days	3,659	4,425
Total Past Due	5,176	5,520
Loans Not Past Due	1,038,353	1,036,857
Total ending loans balance	1,043,529	1,042,377
Specific reserves allocated to customers with modified term loans in troubled debt restructurings	4,729	3,870
Number of consecutive payment before nonaccrual restructured loan is upgraded	6	'
Number of months of performance before a loan is removed from TDR	'6 months	'
Commercial and Industrial [Member]	'	'
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]	'	'
Nonaccrual	3,485	5,625
Over 90 days Accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]	'	'
30-90 Days	19	0
Greater Than 90 Days	121	0
Total Past Due	140	0
Loans Not Past Due	284,012	274,099
Total ending loans balance	284,152	274,099
Commercial Real Estate [Member]	'	'
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]	'	'
Nonaccrual	3,804	5,553
Over 90 days Accruing	151	153
Aging of recorded investment in past due loans by class of loans [Abstract]	'	'
30-90 Days	675	679
Greater Than 90 Days	3,005	4,425
Total Past Due	3,680	5,104
Loans Not Past Due	460,914	467,236
Total ending loans balance	464,594	472,340
Residential Developed [Member]	'	'
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]	'	'
Nonaccrual	2,249	2,590
Over 90 days Accruing	0	153
Aging of recorded investment in past due loans by class of loans [Abstract]	'	'
30-90 Days	0	143
Greater Than 90 Days	1,968	2,296
Total Past Due	1,968	2,439
Loans Not Past Due	13,891	15,691
Total ending loans balance	15,859	18,130
Unsecured to Residential Developers [Member]	'	'
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]	'	'
Nonaccrual	0	0
Over 90 days Accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]	'	'
30-90 Days	0	0
Greater Than 90 Days	0	0
Total Past Due	0	0
Loans Not Past Due	7,131	7,315
Total ending loans balance	7,131	7,315
Vacant and Unimproved [Member]	'	'
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]	'	'
Nonaccrual	0	0
Over 90 days Accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]	'	'
30-90 Days	48	0
Greater Than 90 Days	0	0
Total Past Due	48	0
Loans Not Past Due	42,138	42,988
Total ending loans balance	42,186	42,988
Commercial Development [Member]	'	'
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]	'	'
Nonaccrual	29	23
Over 90 days Accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]	'	'
30-90 Days	0	0
Greater Than 90 Days	29	23
Total Past Due	29	23
Loans Not Past Due	4,439	2,411
Total ending loans balance	4,468	2,434
Residential Improved [Member]	'	'
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]	'	'
Nonaccrual	925	429
Over 90 days Accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]	'	'
30-90 Days	246	98
Greater Than 90 Days	574	50
Total Past Due	820	148
Loans Not Past Due	71,421	76,146
Total ending loans balance	72,241	76,294
Commercial Improved [Member]	'	'
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]	'	'
Nonaccrual	601	2,511
Over 90 days Accruing	151	0
Aging of recorded investment in past due loans by class of loans [Abstract]	'	'
30-90 Days	381	438
Greater Than 90 Days	434	2,056
Total Past Due	815	2,494
Loans Not Past Due	245,599	244,701
Total ending loans balance	246,414	247,195
Manufacturing and Industrial [Member]	'	'
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]	'	'
Nonaccrual	0	0
Over 90 days Accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]	'	'
30-90 Days	0	0
Greater Than 90 Days	0	0
Total Past Due	0	0
Loans Not Past Due	76,295	77,984
Total ending loans balance	76,295	77,984
Consumer Loan [Member]	'	'
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]	'	'
Nonaccrual	546	1,004
Over 90 days Accruing	79	0
Aging of recorded investment in past due loans by class of loans [Abstract]	'	'
30-90 Days	823	416
Greater Than 90 Days	533	0
Total Past Due	1,356	416
Loans Not Past Due	293,427	295,522
Total ending loans balance	294,783	295,938
Residential Mortgage [Member]	'	'
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]	'	'
Nonaccrual	142	639
Over 90 days Accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]	'	'
30-90 Days	664	78
Greater Than 90 Days	141	0
Total Past Due	805	78
Loans Not Past Due	188,247	188,570
Total ending loans balance	189,052	188,648
Unsecured [Member]	'	'
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]	'	'
Nonaccrual	78	33
Over 90 days Accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]	'	'
30-90 Days	66	9
Greater Than 90 Days	0	0
Total Past Due	66	9
Loans Not Past Due	1,030	1,328
Total ending loans balance	1,096	1,337
Home Equity [Member]	'	'
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]	'	'
Nonaccrual	326	332
Over 90 days Accruing	79	0
Aging of recorded investment in past due loans by class of loans [Abstract]	'	'
30-90 Days	81	317
Greater Than 90 Days	392	0
Total Past Due	473	317
Loans Not Past Due	94,011	95,644
Total ending loans balance	94,484	95,961
Other Secured [Member]	'	'
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]	'	'
Nonaccrual	0	0
Over 90 days Accruing	0	0
Aging of recorded investment in past due loans by class of loans [Abstract]	'	'
30-90 Days	12	12
Greater Than 90 Days	0	0
Total Past Due	12	12
Loans Not Past Due	10,139	9,980
Total ending loans balance	$10,151	$9,992

LOANS_Troubled_Debt_Restructur

LOANS, Troubled Debt Restructuring (Details) (USD $)	3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Dec. 31, 2013
	Loan	Loan	Loan	Loan	Loan
Troubled debt restructurings [Abstract]	'	'	'	'	'
Number of Loans	253	'	253	'	271
Outstanding Recorded Balance	$63,784	'	$63,784	'	$68,092
Troubled debt restructurings executed during current period [Abstract]	'	'	'	'	'
Number of Loans	7	13	13	42	'
Pre-Modification Outstanding Recorded Balance	1,853	1,961	4,180	8,448	'
Principal Write-down upon Modification	0	0	0	1,770	'
Modifications and Renewals that are not Troubled debt restructurings [Abstract]	'	'	'	'	'
Number of Loans - not considered TDRs	198	244	311	435	'
Outstanding Recorded Balance - not considered TDRs	41,441	59,311	66,012	125,021	'
Commercial and Industrial [Member]	'	'	'	'	'
Troubled debt restructurings [Abstract]	'	'	'	'	'
Number of Loans	41	'	41	'	43
Outstanding Recorded Balance	9,851	'	9,851	'	7,787
Troubled debt restructurings executed during current period [Abstract]	'	'	'	'	'
Number of Loans	0	2	1	3	'
Pre-Modification Outstanding Recorded Balance	0	237	60	262	'
Principal Write-down upon Modification	0	0	0	0	'
Modifications and Renewals that are not Troubled debt restructurings [Abstract]	'	'	'	'	'
Number of Loans - not considered TDRs	133	124	198	210	'
Outstanding Recorded Balance - not considered TDRs	23,840	18,526	39,824	48,453	'
Loans that became delinquent more than 90 days past due or transferred to nonaccrual within 12 months of restructuring [Abstract]	'	'	'	'	'
Number of Loans	0	0	0	0	'
Outstanding Recorded Balance	0	0	0	0	'
Commercial Real Estate [Member]	'	'	'	'	'
Troubled debt restructurings [Abstract]	'	'	'	'	'
Number of Loans	106	'	106	'	122
Outstanding Recorded Balance	39,348	'	39,348	'	45,774
Troubled debt restructurings executed during current period [Abstract]	'	'	'	'	'
Number of Loans	6	4	10	9	'
Pre-Modification Outstanding Recorded Balance	1,783	1,276	4,046	2,717	'
Principal Write-down upon Modification	0	0	0	0	'
Modifications and Renewals that are not Troubled debt restructurings [Abstract]	'	'	'	'	'
Number of Loans - not considered TDRs	61	103	101	197	'
Outstanding Recorded Balance - not considered TDRs	17,328	40,047	24,913	75,636	'
Loans that became delinquent more than 90 days past due or transferred to nonaccrual within 12 months of restructuring [Abstract]	'	'	'	'	'
Number of Loans	0	0	1	0	'
Outstanding Recorded Balance	0	0	131	0	'
Consumer [Member]	'	'	'	'	'
Troubled debt restructurings [Abstract]	'	'	'	'	'
Number of Loans	106	'	106	'	106
Outstanding Recorded Balance	14,585	'	14,585	'	14,531
Troubled debt restructurings executed during current period [Abstract]	'	'	'	'	'
Number of Loans	1	7	2	30	'
Pre-Modification Outstanding Recorded Balance	70	448	74	5,469	'
Principal Write-down upon Modification	0	0	0	1,770	'
Modifications and Renewals that are not Troubled debt restructurings [Abstract]	'	'	'	'	'
Number of Loans - not considered TDRs	4	17	12	28	'
Outstanding Recorded Balance - not considered TDRs	273	738	1,275	932	'
Loans that became delinquent more than 90 days past due or transferred to nonaccrual within 12 months of restructuring [Abstract]	'	'	'	'	'
Number of Loans	0	0	0	0	'
Outstanding Recorded Balance	$0	$0	$0	$0	'

LOANS_Credit_Quality_Indicator

LOANS, Credit Quality Indicators (Details) (USD $)	6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Dec. 31, 2013
	Grading
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Number point grading system used for loan quality	8	'
Internal ratings of loans considered substandard, or worse	'6 or worse	'
Loans classified as substandard or worse [Abstract]	'	'
Loans classified as substandard or worse	$19,856	$27,652
Not Classified as Impaired [Member]	'	'
Loans classified as substandard or worse [Abstract]	'	'
Loans classified as substandard or worse	4,926	7,400
Classified as Impaired [Member]	'	'
Loans classified as substandard or worse [Abstract]	'	'
Loans classified as substandard or worse	14,930	20,252
Excellent [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	55	509
Above Average [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	19,540	23,638
Good Quality [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	206,048	179,865
Acceptable Risk [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	444,459	444,001
Marginally Acceptable [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	58,788	70,774
Substandard [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	12,567	16,474
Doubtful [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	7,289	11,178
Loss [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Commercial and Industrial [Member] | Excellent [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	55	509
Commercial and Industrial [Member] | Above Average [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	12,777	15,836
Commercial and Industrial [Member] | Good Quality [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	100,673	81,577
Commercial and Industrial [Member] | Acceptable Risk [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	155,099	155,680
Commercial and Industrial [Member] | Marginally Acceptable [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	10,359	13,513
Commercial and Industrial [Member] | Substandard [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	1,704	1,359
Commercial and Industrial [Member] | Doubtful [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	3,485	5,625
Commercial and Industrial [Member] | Loss [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Residential Developed [Member] | Excellent [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Residential Developed [Member] | Above Average [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Residential Developed [Member] | Good Quality [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	1,686	2,039
Residential Developed [Member] | Acceptable Risk [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	5,033	5,653
Residential Developed [Member] | Marginally Acceptable [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	6,015	5,232
Residential Developed [Member] | Substandard [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	876	2,616
Residential Developed [Member] | Doubtful [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	2,249	2,590
Residential Developed [Member] | Loss [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Unsecured to Residential Developers [Member] | Excellent [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Unsecured to Residential Developers [Member] | Above Average [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Unsecured to Residential Developers [Member] | Good Quality [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Unsecured to Residential Developers [Member] | Acceptable Risk [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	7,128	7,309
Unsecured to Residential Developers [Member] | Marginally Acceptable [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	3	6
Unsecured to Residential Developers [Member] | Substandard [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Unsecured to Residential Developers [Member] | Doubtful [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Unsecured to Residential Developers [Member] | Loss [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Vacant and Unimproved [Member] | Excellent [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Vacant and Unimproved [Member] | Above Average [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Vacant and Unimproved [Member] | Good Quality [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	10,671	11,191
Vacant and Unimproved [Member] | Acceptable Risk [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	24,530	24,638
Vacant and Unimproved [Member] | Marginally Acceptable [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	6,596	6,761
Vacant and Unimproved [Member] | Substandard [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	389	398
Vacant and Unimproved [Member] | Doubtful [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Vacant and Unimproved [Member] | Loss [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Commercial Development [Member] | Excellent [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Commercial Development [Member] | Above Average [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Commercial Development [Member] | Good Quality [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Commercial Development [Member] | Acceptable Risk [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	4,012	1,673
Commercial Development [Member] | Marginally Acceptable [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	224	532
Commercial Development [Member] | Substandard [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	203	207
Commercial Development [Member] | Doubtful [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	29	23
Commercial Development [Member] | Loss [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Residential Improved [Member] | Excellent [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Residential Improved [Member] | Above Average [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	106	109
Residential Improved [Member] | Good Quality [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	15,736	15,121
Residential Improved [Member] | Acceptable Risk [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	44,778	45,018
Residential Improved [Member] | Marginally Acceptable [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	6,768	9,391
Residential Improved [Member] | Substandard [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	3,928	6,226
Residential Improved [Member] | Doubtful [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	925	429
Residential Improved [Member] | Loss [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Commercial Improved [Member] | Excellent [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Commercial Improved [Member] | Above Average [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	5,901	7,382
Commercial Improved [Member] | Good Quality [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	53,061	45,391
Commercial Improved [Member] | Acceptable Risk [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	157,701	161,897
Commercial Improved [Member] | Marginally Acceptable [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	24,318	24,937
Commercial Improved [Member] | Substandard [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	4,832	5,075
Commercial Improved [Member] | Doubtful [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	601	2,511
Commercial Improved [Member] | Loss [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Manufacturing and Industrial [Member] | Excellent [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Manufacturing and Industrial [Member] | Above Average [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	756	311
Manufacturing and Industrial [Member] | Good Quality [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	24,221	24,546
Manufacturing and Industrial [Member] | Acceptable Risk [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	46,178	42,133
Manufacturing and Industrial [Member] | Marginally Acceptable [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	4,505	10,402
Manufacturing and Industrial [Member] | Substandard [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	635	593
Manufacturing and Industrial [Member] | Doubtful [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Manufacturing and Industrial [Member] | Loss [Member]	'	'
Risk grade category of commercial loans by class of loans [Abstract]	'	'
Total loans	0	0
Residential Mortgage [Member]	'	'
Recorded investment in consumer loans based on payment activity [Abstract]	'	'
Recorded investment in consumer loans	189,052	188,648
Residential Mortgage [Member] | Performing [Member]	'	'
Recorded investment in consumer loans based on payment activity [Abstract]	'	'
Recorded investment in consumer loans	188,911	188,648
Residential Mortgage [Member] | Nonperforming [Member]	'	'
Recorded investment in consumer loans based on payment activity [Abstract]	'	'
Recorded investment in consumer loans	141	0
Unsecured [Member]	'	'
Recorded investment in consumer loans based on payment activity [Abstract]	'	'
Recorded investment in consumer loans	1,096	1,337
Unsecured [Member] | Performing [Member]	'	'
Recorded investment in consumer loans based on payment activity [Abstract]	'	'
Recorded investment in consumer loans	1,096	1,337
Unsecured [Member] | Nonperforming [Member]	'	'
Recorded investment in consumer loans based on payment activity [Abstract]	'	'
Recorded investment in consumer loans	0	0
Home Equity [Member]	'	'
Recorded investment in consumer loans based on payment activity [Abstract]	'	'
Recorded investment in consumer loans	94,484	95,961
Home Equity [Member] | Performing [Member]	'	'
Recorded investment in consumer loans based on payment activity [Abstract]	'	'
Recorded investment in consumer loans	94,092	95,961
Home Equity [Member] | Nonperforming [Member]	'	'
Recorded investment in consumer loans based on payment activity [Abstract]	'	'
Recorded investment in consumer loans	392	0
Other Secured [Member]	'	'
Recorded investment in consumer loans based on payment activity [Abstract]	'	'
Recorded investment in consumer loans	10,151	9,992
Other Secured [Member] | Performing [Member]	'	'
Recorded investment in consumer loans based on payment activity [Abstract]	'	'
Recorded investment in consumer loans	10,151	9,992
Other Secured [Member] | Nonperforming [Member]	'	'
Recorded investment in consumer loans based on payment activity [Abstract]	'	'
Recorded investment in consumer loans	$0	$0

OTHER_REAL_ESTATE_OWNED_Detail

OTHER REAL ESTATE OWNED (Details) (USD $)	6 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Dec. 31, 2013
Period-end other real estate owned [Roll Forward]	'	'	'
Beginning balance	$53,501	$69,743	$69,743
Additions, transfers from loans	2,274	2,754	3,539
Proceeds from sales of other real estate owned	-7,362	-8,138	-16,501
Valuation allowance reversal upon sale	-2,564	-2,308	-4,378
Gain on sale of other real estate owned	476	614	1,098
Other real estate owned, gross	46,325	62,665	53,501
Less: valuation allowance	-14,802	-16,820	-16,705
Ending balance	31,523	45,845	36,796
Activity in valuation allowance [Roll Forward]	'	'	'
Beginning balance	16,705	18,161	18,161
Additions charged to expense	661	967	'
Reversals upon sale	-2,564	-2,308	'
Ending balance	$14,802	$16,820	$16,705

FAIR_VALUE_Details

FAIR VALUE (Details) (USD $)

6 Months Ended

In Thousands, unless otherwise specified

Jun. 30, 2014

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Level

Recurring Basis [Member]

Recurring Basis [Member]

Recurring Basis [Member]

Recurring Basis [Member]

Recurring Basis [Member]

Recurring Basis [Member]

Recurring Basis [Member]

Recurring Basis [Member]

Nonrecurring Basis [Member]

Nonrecurring Basis [Member]

Nonrecurring Basis [Member]

Nonrecurring Basis [Member]

Nonrecurring Basis [Member]

Nonrecurring Basis [Member]

Nonrecurring Basis [Member]

Nonrecurring Basis [Member]

Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]

Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]

Significant Other Observable Inputs (Level 2) [Member]

Significant Other Observable Inputs (Level 2) [Member]

Significant Unobservable Inputs (Level 3) [Member]

Significant Unobservable Inputs (Level 3) [Member]

Fair Value [Member]

Fair Value [Member]

Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]

Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]

Significant Other Observable Inputs (Level 2) [Member]

Significant Other Observable Inputs (Level 2) [Member]

Significant Unobservable Inputs (Level 3) [Member]

Significant Unobservable Inputs (Level 3) [Member]

Fair Value [Member]

Fair Value [Member]

FAIR VALUE [Abstract]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Number of levels of input

3

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Asset measured at fair value on recurring basis [Abstract]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

U.S. Treasury and federal agency securities

'

$0

$0

$59,375

$54,439

$0

$0

$59,375

$54,439

'

'

'

'

'

'

'

'

U.S. Agency MBS and CMOs

'

0

0

18,202

19,365

0

0

18,202

19,365

'

'

'

'

'

'

'

'

Tax-exempt state and municipal bonds

'

0

0

34,734

26,849

0

0

34,734

26,849

'

'

'

'

'

'

'

'

Taxable state and municipal bonds

'

0

0

25,413

26,328

0

0

25,413

26,328

'

'

'

'

'

'

'

'

Corporate bonds and other debt securities

'

0

0

13,009

11,212

0

0

13,009

11,212

'

'

'

'

'

'

'

'

Other equity securities

'

0

0

1,494

1,466

0

0

1,494

1,466

'

'

'

'

'

'

'

'

Loans held for sale

'

0

0

1,409

1,915

0

0

1,409

1,915

'

'

'

'

'

'

'

'

Interest rate swaps

'

0

0

0

0

168

94

168

94

'

'

'

'

'

'

'

'

Interest rate swaps

'

0

0

0

0

-168

-94

-168

-94

'

'

'

'

'

'

'

'

Asset measured at fair value on non-recurring basis [Abstract]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Impaired loans

'

'

'

'

'

'

'

'

'

0

0

0

0

17,492

22,403

17,492

22,403

Other real estate owned

'

'

'

'

'

'

'

'

'

$0

$0

$0

$0

$24,380

$29,711

$24,380

$29,711

FAIR_VALUE_Balance_Sheet_Group

FAIR VALUE, Balance Sheet Grouping (Details) (USD $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Financial assets [Abstract]	'	'
Cash and due from banks	$37,533	$38,714
Securities held to maturity	19,184	19,278
Bank-owned life insurance	27,845	27,517
Carrying Amount [Member]	'	'
Financial assets [Abstract]	'	'
FHLB stock	11,236	11,236
Carrying Amount [Member] | Commitments to Make Loans [Member]	'	'
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Off-balance sheet credit-related items	0	0
Fair Value [Member] | Commitments to Make Loans [Member]	'	'
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Off-balance sheet credit-related items	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Carrying Amount [Member]	'	'
Financial assets [Abstract]	'	'
Cash and due from banks	37,533	38,714
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Fair Value [Member]	'	'
Financial assets [Abstract]	'	'
Cash and due from banks	37,533	38,714
Significant Other Observable Inputs (Level 2) [Member] | Carrying Amount [Member]	'	'
Financial assets [Abstract]	'	'
Cash equivalents	80,432	118,178
Interest-bearing time deposits in other financial institutions	32,500	25,000
Loans, net	1,005,989	999,176
Accrued interest receivable	3,264	3,231
Financial liabilities [Abstract]	'	'
Deposits	-1,215,724	-1,249,734
Other borrowed funds	-88,774	-89,991
Long-term debt	-41,238	-41,238
Subordinated debt	0	0
Accrued interest payable	-303	-308
Significant Other Observable Inputs (Level 2) [Member] | Fair Value [Member]	'	'
Financial assets [Abstract]	'	'
Cash equivalents	80,432	118,178
Interest-bearing time deposits in other financial institutions	32,555	25,003
Loans, net	999,331	990,084
Accrued interest receivable	3,264	3,231
Financial liabilities [Abstract]	'	'
Deposits	-1,216,410	-1,250,886
Other borrowed funds	-89,713	-90,321
Long-term debt	-35,405	-35,098
Subordinated debt	0	0
Accrued interest payable	-303	-308
Significant Unobservable Inputs (Level 3) [Member] | Carrying Amount [Member]	'	'
Financial assets [Abstract]	'	'
Securities held to maturity	19,123	19,248
Bank-owned life insurance	27,845	27,517
Significant Unobservable Inputs (Level 3) [Member] | Fair Value [Member]	'	'
Financial assets [Abstract]	'	'
Securities held to maturity	19,184	19,278
Bank-owned life insurance	$27,845	$27,517

DEPOSITS_Details

DEPOSITS (Details) (USD $)	Jun. 30, 2014	Dec. 31, 2013
Summary of deposit [Abstract]	'	'
Noninterest-bearing demand	$383,102,000	$344,550,000
Interest bearing demand	259,449,000	287,417,000
Savings and money market accounts	441,046,000	469,542,000
Certificates of deposit	132,127,000	148,225,000
Total deposits	1,215,724,000	1,249,734,000
Certificate of deposits, $100,000 or more denominations	51,200,000	56,700,000
Denominations amount of certificates of deposit	$100,000	$100,000

OTHER_BORROWED_FUNDS_Details

OTHER BORROWED FUNDS (Details) (USD $)	6 Months Ended	12 Months Ended
	Jun. 30, 2014	Dec. 31, 2013
Advances from Federal Home Loan Bank [Abstract]	'	'
Advance amount	88,774,000	89,991,000
Residential and commercial real estate loans pledged as collateral for Federal Home Loan Bank advances	449,977,000	411,715,000
Scheduled repayments of FHLB advances [Abstract]	'	'
2014	667,000	'
2015	1,938,000	'
2016	21,996,000	'
2017	2,055,000	'
2018	52,118,000	'
Thereafter	10,000,000	'
Total	88,774,000	89,991,000
Federal Reserve Bank borrowings [Abstract]	'	'
Unused borrowing capacity to Federal Reserve Bank	24,400,000	22,700,000
Commercial and mortgage loans pledged to the Federal Reserve Bank	28,300,000	26,600,000
Single Maturity Fixed Rate Advances [Member]	'	'
Advances from Federal Home Loan Bank [Abstract]	'	'
Advance amount	80,000,000	80,000,000
Weighted average interest rate (in hundredths)	1.69%	1.69%
Single Maturity Fixed Rate Advances [Member] | Minimum [Member]	'	'
Advances from Federal Home Loan Bank [Abstract]	'	'
Maturity date	1-Aug-16	1-Aug-16
Single Maturity Fixed Rate Advances [Member] | Maximum [Member]	'	'
Advances from Federal Home Loan Bank [Abstract]	'	'
Maturity date	1-Feb-19	1-Feb-19
Amortizable Mortgage Advances [Member]	'	'
Advances from Federal Home Loan Bank [Abstract]	'	'
Advance amount	8,774,000	9,991,000
Weighted average interest rate (in hundredths)	3.77%	3.78%
Amortizable Mortgage Advances [Member] | Minimum [Member]	'	'
Advances from Federal Home Loan Bank [Abstract]	'	'
Maturity date	1-Mar-18	1-Mar-18
Amortizable Mortgage Advances [Member] | Maximum [Member]	'	'
Advances from Federal Home Loan Bank [Abstract]	'	'
Maturity date	1-Jul-18	1-Jul-18

EARNINGS_PER_COMMON_SHARE_Deta

EARNINGS PER COMMON SHARE (Details) (USD $)	3 Months Ended		6 Months Ended
In Thousands, except Share data, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Reconciliation of numerators and denominators of basic and diluted earnings per common share [Abstract]	'	'	'	'
Net income	$2,755	$2,603	$5,393	$5,077
Dividends declared on preferred shares	0	0	0	0
Net income available to common shares	$2,755	$2,603	$5,393	$5,077
Weighted average shares outstanding, including participating stock awards - Basic (in shares)	33,788,431	27,260,748	33,789,481	27,185,505
Dilutive potential common shares [Abstract]	'	'	'	'
Stock options (in shares)	0	0	0	0
Conversion of preferred stock (in shares)	0	0	0	0
Stock warrants (in shares)	0	0	0	0
Weighted average shares outstanding - Diluted (in shares)	33,788,431	27,260,748	33,789,481	27,185,505
Basic earnings per common share (in dollars per share)	$0.08	$0.10	$0.16	$0.19
Diluted earnings per common share (in dollars per share)	$0.08	$0.10	$0.16	$0.19
Stock Options [Member]	'	'	'	'
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]	'	'	'	'
Antidilutive securities excluded from computation of earnings per share amount (in shares)	355,328	445,392	355,328	445,392

FEDERAL_INCOME_TAXES_Details

FEDERAL INCOME TAXES (Details) (USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Dec. 31, 2013
Income tax expense (benefit) [Abstract]	'	'	'	'	'
Current	$36,000	$55,000	$60,000	$55,000	'
Deferred	1,195,000	1,141,000	2,348,000	2,283,000	'
Income tax expense (benefit)	1,231,000	1,196,000	2,408,000	2,338,000	'
Reconciliation of financial statement tax expense (benefit) and amount computed by applying statutory federal tax rate to pretax income [Abstract]	'	'	'	'	'
Statutory rate (in hundredths)	35.00%	35.00%	35.00%	35.00%	'
Statutory rate applied to income before taxes	1,395,000	1,330,000	2,730,000	2,595,000	'
Add (deduct) [Abstract]	'	'	'	'	'
Tax-exempt interest income	-89,000	-50,000	-174,000	-96,000	'
Bank-owned life insurance	-61,000	-65,000	-115,000	-125,000	'
Other, net	-14,000	-19,000	-33,000	-36,000	'
Income tax expense (benefit)	1,231,000	1,196,000	2,408,000	2,338,000	'
Deferred tax assets [Abstract]	'	'	'	'	'
Allowance for loan losses	7,017,000	'	7,017,000	'	7,279,000
Nonaccrual loan interest	875,000	'	875,000	'	782,000
Valuation allowance on other real estate owned	5,181,000	'	5,181,000	'	5,847,000
Net operating loss carryforward	141,000	'	141,000	'	1,743,000
Unrealized loss on securities available for sale	254,000	'	254,000	'	1,053,000
Other	1,826,000	'	1,826,000	'	1,808,000
Gross deferred tax assets	15,294,000	'	15,294,000	'	18,512,000
Valuation allowance	0	'	0	'	0
Total net deferred tax assets	15,294,000	'	15,294,000	'	18,512,000
Deferred tax liabilities [Abstract]	'	'	'	'	'
Depreciation	-1,537,000	'	-1,537,000	'	-1,620,000
Prepaid expenses	-308,000	'	-308,000	'	-308,000
Other	-396,000	'	-396,000	'	-384,000
Gross deferred tax liabilities	-2,241,000	'	-2,241,000	'	-2,312,000
Net deferred tax asset	13,053,000	'	13,053,000	'	16,200,000
Federal net operating loss carry forwards	403,000	'	403,000	'	'
Federal net operating loss carry forwards, expiration date	'	'	31-Dec-30	'	'
Unrecognized tax benefits	$0	'	$0	'	$0
Period when unrecognized tax benefits is not expected to significantly increase or decrease	'	'	'12 months	'	'

COMMITMENTS_AND_OFF_BALANCESHE2

COMMITMENTS AND OFF BALANCE-SHEET RISK (Details) (USD $)	6 Months Ended	12 Months Ended
	Jun. 30, 2014	Dec. 31, 2013
Summary of the contractual amounts of financial instruments with off-balance-sheet risk [Abstract]	'	'
Notional amount of commitments to fund mortgage loans to be sold into the secondary market	$23,000,000	$14,700,000
Commitments to make loans at fixed rates (in hundredths)	33.00%	'
Expiration period of commitment to make variable rate loan	'30 days	'
Commitments to make Loans [Member]	'	'
Summary of the contractual amounts of financial instruments with off-balance-sheet risk [Abstract]	'	'
Contractual amounts of financial instruments with off-balance-sheet risk	169,904,000	87,513,000
Letters of Credit [Member]	'	'
Summary of the contractual amounts of financial instruments with off-balance-sheet risk [Abstract]	'	'
Contractual amounts of financial instruments with off-balance-sheet risk	10,858,000	10,774,000
Unused lines of Credit [Member]	'	'
Summary of the contractual amounts of financial instruments with off-balance-sheet risk [Abstract]	'	'
Contractual amounts of financial instruments with off-balance-sheet risk	$323,956,000	$313,232,000

CONTINGENCIES_Details

CONTINGENCIES (Details) (Employment Agreement Litigation, Benj. A. Smith III [Member], USD $)	6 Months Ended
	Jun. 30, 2014
Employment Agreement Litigation, Benj. A. Smith III [Member]	'
Contingencies [Line Items]	'
Name of Plaintiff	'Mr. Benj. A. Smith III
Monthly entitlement claimed by plaintiff	$20,833
Period of monthly damage claims sought for employment agreement	'P6Y
Minimum damages sought in claim	$25,000

SHAREHOLDERS_EQUITY_Details

SHAREHOLDERS' EQUITY (Details) (USD $)	6 Months Ended
	Jun. 30, 2014	Dec. 31, 2013
	Category
SHAREHOLDERS' EQUITY [Abstract]	'	'
Number of classification of prompt corrective action regulations	5	'
Summary of actual capital levels and minimum required levels [Abstract]	'	'
Trust preferred securities that qualified as Tier one risk based capital	$40,000,000	$40,000,000
Consolidated [Member]	'	'
Summary of actual capital levels and minimum required levels [Abstract]	'	'
Total capital (to risk weighted assets), actual amount	181,711,000	174,433,000
Total capital (to risk weighted assets), actual ratio (in hundredths)	16.30%	15.70%
Tier 1 capital (to risk weighted assets), actual amount	167,729,000	160,455,000
Tier 1 capital (to risk weighted assets), actual ratio (in hundredths)	15.10%	14.40%
Tier 1 capital (to average assets), actual amount	167,729,000	160,455,000
Tier 1 capital (to average assets), actual ratio (in hundredths)	11.40%	10.60%
Total capital (to risk weighted assets), minimum required for capital adequacy purposes, amount	88,998,000	88,915,000
Total capital (to risk weighted assets) minimum required for capital adequacy purposes, ratio (in hundredths)	8.00%	8.00%
Tier 1 capital (to risk weighted assets), minimum required for capital adequacy purposes, amount	44,499,000	44,457,000
Tier 1 capital (to risk weighted assets), minimum required for capital adequacy purposes, ratio (in hundredths)	4.00%	4.00%
Tier 1 capital (to average assets), minimum required for capital adequacy purposes, amount	58,688,000	60,482,000
Tier 1 capital (to average assets), minimum required for capital adequacy purposes, ratio (in hundredths)	4.00%	4.00%
Bank [Member]	'	'
Summary of actual capital levels and minimum required levels [Abstract]	'	'
Total capital (to risk weighted assets), actual amount	179,010,000	171,811,000
Total capital (to risk weighted assets), actual ratio (in hundredths)	16.10%	15.40%
Tier 1 capital (to risk weighted assets), actual amount	165,005,000	157,825,000
Tier 1 capital (to risk weighted assets), actual ratio (in hundredths)	14.80%	14.20%
Tier 1 capital (to average assets), actual amount	165,005,000	157,825,000
Tier 1 capital (to average assets), actual ratio (in hundredths)	11.30%	10.50%
Total capital (to risk weighted assets), minimum required for capital adequacy purposes, amount	89,152,000	88,968,000
Total capital (to risk weighted assets) minimum required for capital adequacy purposes, ratio (in hundredths)	8.00%	8.00%
Tier 1 capital (to risk weighted assets), minimum required for capital adequacy purposes, amount	44,576,000	44,484,000
Tier 1 capital (to risk weighted assets), minimum required for capital adequacy purposes, ratio (in hundredths)	4.00%	4.00%
Tier 1 capital (to average assets), minimum required for capital adequacy purposes, amount	58,631,000	60,407,000
Tier 1 capital (to average assets), minimum required for capital adequacy purposes, ratio (in hundredths)	4.00%	4.00%
Total capital (to risk weighted assets) to be well capitalized under prompt corrective action regulations, amount	111,440,000	111,210,000
Total capital (to risk weighted assets) to be well capitalized under prompt corrective action regulations, ratio (in hundredths)	10.00%	10.00%
Tier 1 capital (to risk weighted assets) to be well capitalized under prompt corrective action regulations, amount	66,864,000	66,726,000
Tier 1 capital (to risk weighted assets) to be well capitalized under prompt corrective action regulations, ratio (in hundredths)	6.00%	6.00%
Tier 1 capital (to average assets) to be well capitalized under prompt corrective action regulations, amount	$73,289,000	$75,509,000
Tier 1 capital (to average assets) to be well capitalized under prompt corrective action regulations, ratio (in hundredths)	5.00%	5.00%