Macatawa Bank (MCBC) 10-K 19 Feb 15 2014 FY Annual report Financial data

Document_and_Entity_Informatio

Document and Entity Information (USD $)	12 Months Ended
	Dec. 31, 2014	Feb. 18, 2015	Jun. 30, 2014
Document and Entity Information [Abstract]
Entity Registrant Name	MACATAWA BANK CORP
Entity Central Index Key	1053584
Current Fiscal Year End Date	-19
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Filer Category	Accelerated Filer
Entity Public Float			$159,091,819
Entity Common Stock, Shares Outstanding		33,866,789
Document Fiscal Year Focus	2014
Document Fiscal Period Focus	FY
Document Type	10-K
Amendment Flag	FALSE
Document Period End Date	31-Dec-14

CONSOLIDATED_BALANCE_SHEETS

CONSOLIDATED BALANCE SHEETS (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
ASSETS
Cash and due from banks	$31,503	$38,714
Federal funds sold and other short -term investments	97,952	118,178
Cash and cash equivalents	129,455	156,892
Interest-bearing time deposits in other financial institutions	20,000	25,000
Securities available for sale, at fair value	161,874	139,659
Securities held to maturity (fair value 2014 - $31,428 and 2013 - $19,278)	31,585	19,248
Federal Home Loan Bank (FHLB) stock	11,238	11,236
Loans held for sale, at fair value	2,347	1,915
Total loans	1,118,483	1,042,377
Allowance for loan losses	-18,962	-20,798
Net loans	1,099,521	1,021,579
Premises and equipment - net	52,894	53,641
Accrued interest receivable	3,399	3,231
Bank-owned life insurance	28,195	27,517
Other real estate owned	28,242	36,796
Net deferred tax asset	12,265	16,200
Other assets	2,831	4,491
Total assets	1,583,846	1,517,405
Deposits
Noninterest-bearing	404,143	344,550
Interest-bearing	902,182	905,184
Total deposits	1,306,325	1,249,734
Other borrowed funds	88,107	89,991
Long-term debt	41,238	41,238
Accrued expenses and other liabilities	5,657	3,920
Total liabilities	1,441,327	1,384,883
Commitments and contingent liabilities
Shareholders' equity
Common stock, no par value, 200,000,000 shares authorized; 33,866,789 shares issued and outstanding at December 31, 2014 and 33,801,097 shares issued and outstanding at December 31, 2013	216,460	216,263
Retained deficit	-74,002	-81,786
Accumulated other comprehensive income (loss)	61	-1,955
Total shareholders' equity	142,519	132,522
Total liabilities and shareholders' equity	$1,583,846	$1,517,405

CONSOLIDATED_BALANCE_SHEETS_Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, except Share data, unless otherwise specified
ASSETS
Securities held to maturity fair value	$31,428	$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)	33,866,789	33,801,097
Common stock, shares outstanding (in shares)	33,866,789	33,801,097

CONSOLIDATED_STATEMENTS_OF_INC

CONSOLIDATED STATEMENTS OF INCOME (USD $)	12 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Interest income
Loans, including fees	$42,911	$45,201	$54,549
Securities
Taxable	2,006	1,798	1,544
Tax-exempt	1,161	742	330
FHLB Stock	471	393	351
Federal funds sold and other short-term investments	439	486	502
Total interest income	46,988	48,620	57,276
Interest expense
Deposits	2,576	3,993	5,721
Other borrowings	1,709	1,781	2,374
Subordinated and long-term debt	1,311	1,563	1,719
Total interest expense	5,596	7,337	9,814
Net interest income	41,392	41,283	47,462
Provision for loan losses	-3,350	-4,250	-7,100
Net interest income after provision for loan losses	44,742	45,533	54,562
Noninterest income
Service charges and fees	4,334	4,129	3,471
Net gains on mortgage loans	1,939	2,554	2,882
Trust fees	2,701	2,413	2,389
ATM and debit card fees	4,654	4,325	4,130
Gain on sale of securities	75	120	73
Other	2,511	2,600	2,683
Total noninterest income	16,214	16,141	15,628
Noninterest expense
Salaries and benefits	23,137	23,012	22,986
Occupancy of premises	3,840	3,756	3,815
Furniture and equipment	3,190	3,224	3,259
Legal and professional	846	680	664
Marketing and promotion	932	870	929
Data processing	2,423	2,306	2,221
FDIC assessment	1,218	1,458	2,196
Interchange and other card expense	1,109	1,300	1,222
Bond and D&O Insurance	659	740	909
FHLB Advance prepayment penalty	0	0	322
Net losses on repossessed and foreclosed properties	999	1,825	5,295
Administration and disposition of problem assets	2,072	3,699	4,665
Other	5,485	4,985	4,800
Total noninterest expenses	45,910	47,855	53,283
Income before income tax	15,046	13,819	16,907
Income tax expense (benefit)	4,573	4,270	-18,583
Net income	10,473	9,549	35,490
Effect of induced exchange of preferred stock	0	17,575	0
Net income available to common shares	$10,473	($8,026)	$35,490
Basic earnings per common share (in dollars per share)	$0.31	($0.29)	$1.31
Diluted earnings per common share (in dollars per share)	$0.31	($0.29)	$1.31
Cash dividends per common share (in dollars per share)	$0.08	$0	$0

CONSOLIDATED_STATEMENTS_OF_COM

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME [Abstract]
Net income	$10,473	$9,549	$35,490
Unrealized gains (losses):
Net change in unrealized gains (losses) on securities available for sale	3,177	-4,365	968
Tax effect	-1,112	1,528	-339
Net change in unrealized gains (losses) on securities available for sale, net of tax	2,065	-2,837	629
Less: reclassification adjustments:
Reclassification for gains included in net income	75	120	73
Tax effect	-26	-42	-26
Reclassification for gains included in net income, net of tax	49	78	47
Other comprehensive income (loss), net of tax	2,016	-2,915	582
Comprehensive income	$12,489	$6,634	$36,072

CONSOLIDATED_STATEMENTS_OF_CHA

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (USD $)	Preferred Stock [Member]	Preferred Stock [Member]	Common Stock [Member]	Retained Deficit [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Total	Series A [Member]	Series B [Member]
	Series A [Member]	Series B [Member]
Balance at Dec. 31, 2011	$30,604,000	$2,560,000	$187,709,000	($126,825,000)	$378,000	$94,426,000
Net income				35,490,000		35,490,000
Net change in unrealized gain (loss) on securities available for sale, net of tax					582,000	582,000
Preferred stock exchange [Abstract]
Common stock issuance costs						0
Stock compensation expense			9,000			9,000
Balance at Dec. 31, 2012	30,604,000	2,560,000	187,718,000	-91,335,000	960,000	130,507,000
Net income				9,549,000		9,549,000
Net change in unrealized gain (loss) on securities available for sale, net of tax					-2,915,000	-2,915,000
Conversion of 300 shares of Preferred Stock Series B to 50,000 shares of common stock		-300,000	300,000			0
Preferred stock exchange [Abstract]
Exchange of 31,290 shares of Preferred Stock Series A to 5,973,519 shares of common stock	-30,604,000		30,604,000			0
Exchange of 2,300 shares of Preferred Stock Series B to 457,159 shares of common stock		-2,260,000	2,260,000			0
Cash portion of exchange consideration, including exchange-related expenses			-4,734,000			-4,734,000
Common stock issuance costs						0
Repurchase of shares for taxes withheld on vested restricted stock			-45,000			-45,000
Stock compensation expense			160,000			160,000
Balance at Dec. 31, 2013	0	0	216,263,000	-81,786,000	-1,955,000	132,522,000
Net income				10,473,000		10,473,000
Net change in unrealized gain (loss) on securities available for sale, net of tax					2,016,000	2,016,000
Preferred stock exchange [Abstract]
Common stock issuance costs			-102,000			-102,000
Issuance of 392 shares of Common Stock on exercise of stock purchase warrants			4,000			4,000
Cash dividends at $.08 per share				-2,689,000		-2,689,000
Repurchase of shares for taxes withheld on vested restricted stock			-106,000			-106,000
Tax effect of vested stock awards			63,000			63,000
Stock compensation expense			338,000			338,000
Balance at Dec. 31, 2014	$0	$0	$216,460,000	($74,002,000)	$61,000	$142,519,000

CONSOLIDATED_STATEMENTS_OF_CHA1

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Parenthetical) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Issuance of Common Stock on exercise of stock purchase warrants (in shares)	392
Cash dividend (in dollars per share)	$0.08	$0
Series A [Member]
Number of shares converted in conversion of Preferred Stock to Common Stock (in shares)	5,973,519
Series B [Member]
Number of shares exchanged in exchange of Preferred Stock to Common Stock (in shares)	457,519
Common Stock [Member]
Number of shares repurchased for taxes withheld on vested restricted stock (in shares)	20,534	8,906
Conversion of Preferred Stock Series B to Common Stock [Member] | Common Stock [Member]
Number of shares issued in conversion of Preferred Stock to Common Stock (in shares)		50,000
Conversion of Preferred Stock Series B to Common Stock [Member] | Preferred Stock [Member] | Series B [Member]
Number of shares converted in conversion of Preferred Stock to Common Stock (in shares)		300
Exchange of Preferred Stock Series A to Common Stock [Member] | Common Stock [Member]
Number of shares issued in exchange of Preferred Stock to Common Stock (in shares)		5,973,519
Exchange of Preferred Stock Series A to Common Stock [Member] | Preferred Stock [Member] | Series A [Member]
Number of shares exchanged in exchange of Preferred Stock to Common Stock (in shares)		31,290
Exchange of Preferred Stock Series B to Common Stock [Member] | Common Stock [Member]
Number of shares issued in exchange of Preferred Stock to Common Stock (in shares)		457,159
Exchange of Preferred Stock Series B to Common Stock [Member] | Preferred Stock [Member] | Series B [Member]
Number of shares exchanged in exchange of Preferred Stock to Common Stock (in shares)		2,300

CONSOLIDATED_STATEMENTS_OF_CAS

CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Cash flows from operating activities
Net income	$10,473	$9,549	$35,490
Adjustments to reconcile net income to net cash from operating activities:
Depreciation and amortization	3,139	3,067	2,970
Stock compensation expense	338	160	9
Tax effect of vested stock awards	63	0	0
Provision for loan losses	-3,350	-4,250	-7,100
Origination of loans for sale	-73,516	-107,988	-140,151
Proceeds from sales of loans originated for sale	75,023	116,757	135,929
Net gains on mortgage loans	-1,939	-2,554	-2,882
Gain on sales of securities	-75	-120	-73
Write-down of other real estate	1,623	2,922	5,236
Net (gain) loss on sales of other real estate	-624	-1,098	59
Loss on disposal of fixed assets	0	0	89
Change in net deferred tax asset	2,849	4,150	-18,858
FHLB Advance prepayment penalty	0	0	322
Change in accrued interest receivable and other assets	1,555	124	2,149
Earnings in bank-owned life insurance	-678	-713	-847
Change in accrued expenses and other liabilities	1,737	-3,694	1,153
Net cash from operating activities	16,618	16,312	13,495
Cash flows from investing activities
Loan originations and payments, net	-79,524	7,741	8,657
Change in interest-bearing deposits in other financial institutions	5,000	-25,000	0
Purchases of securities available for sale	-43,882	-42,594	-115,248
Purchases of securities held to maturity	-25,225	-19,732	-4,000
Purchase FHLB stock	-2,519	0	0
Proceeds from:
Maturities and calls of securities available for sale	22,528	13,159	40,042
Sales of securities available for sale	10,936	5,241	4,595
Principal paydowns on securities	3,642	6,100	3,884
Sales of other real estate	12,487	16,501	18,729
Sale of FHLB stock	2,517	0	0
Additions to premises and equipment	-1,766	-2,407	-707
Net cash from investing activities	-95,806	-40,991	-44,048
Cash flows from financing activities
Change in deposits	56,591	-36,527	70,972
Repayments of other borrowed funds and subordinated debt	-1,884	-3,481	-57,103
Proceeds from issuance of common stock	4	0	0
Cash retained (paid) related to tax impact of vested stock awards	-63	0	0
Cash dividends paid	-2,689	0	0
Common stock issuance costs	-102	0	0
Repurchase shares for taxes withheld on vested restricted stock	-106	-45	0
Cash paid in preferred stock exchange	0	-4,734	0
Net cash from financing activities	51,751	-44,787	13,869
Net change in cash and cash equivalents	-27,437	-69,466	-16,684
Cash and cash equivalents at beginning of period	156,892	226,358	243,042
Cash and cash equivalents at end of period	129,455	156,892	226,358
Supplemental cash flow information
Interest paid	5,615	11,886	8,473
Income taxes paid	90	120	275
Supplemental noncash disclosures:
Transfers from loans to other real estate	4,932	3,539	9,168
Security settlement	0	1,626	1,626
Conversion of 300 shares of Preferred Series B to 50,000 shares of common stock	0	300	0
Exchange of 31,290 shares of Preferred Series A to 5,973,519 shares of common stock	0	30,604	0
Exchange of 2,300 shares of Preferred Series B to 457,159 shares of common stock	$0	$2,260	$0

CONSOLIDATED_STATEMENTS_OF_CAS1

CONSOLIDATED STATEMENTS OF CASH FLOWS (Parenthetical)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Series A Preferred Stock [Member]
Supplemental noncash disclosures:
Number of shares converted in conversion of Preferred Stock to Common Stock (in shares)	5,973,519
Series B Preferred Stock [Member]
Supplemental noncash disclosures:
Number of shares exchanged in exchange of Preferred Stock to Common Stock (in shares)	457,519
Conversion of Preferred Stock Series B to Common Stock [Member] | Common Stock [Member]
Supplemental noncash disclosures:
Number of shares issued in conversion of Preferred Stock to Common Stock (in shares)		50,000
Conversion of Preferred Stock Series B to Common Stock [Member] | Preferred Stock [Member] | Series B Preferred Stock [Member]
Supplemental noncash disclosures:
Number of shares converted in conversion of Preferred Stock to Common Stock (in shares)		300
Exchange of Preferred Stock Series A to Common Stock [Member] | Common Stock [Member]
Supplemental noncash disclosures:
Number of shares issued in exchange of Preferred Stock to Common Stock (in shares)		5,973,519
Exchange of Preferred Stock Series A to Common Stock [Member] | Preferred Stock [Member] | Series A Preferred Stock [Member]
Supplemental noncash disclosures:
Number of shares exchanged in exchange of Preferred Stock to Common Stock (in shares)		31,290
Exchange of Preferred Stock Series B to Common Stock [Member] | Common Stock [Member]
Supplemental noncash disclosures:
Number of shares issued in exchange of Preferred Stock to Common Stock (in shares)		457,159
Exchange of Preferred Stock Series B to Common Stock [Member] | Preferred Stock [Member] | Series B Preferred Stock [Member]
Supplemental noncash disclosures:
Number of shares exchanged in exchange of Preferred Stock to Common Stock (in shares)		2,300

SUMMARY_OF_SIGNIFICANT_ACCOUNT

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 2014
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	Federal Home Loan Bank (FHLB) Stock:  The Bank is a member of the FHLB system.  Members are required to own a certain amount of stock based on the level of borrowings and other factors, and may invest in additional amounts.  FHLB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment.  Because this stock is viewed as a long term investment, impairment is based on ultimate recovery of par value.  Management has determined that there is no impairment of FHLB stock.  Both cash and stock dividends are reported as income.
	Loans Held for Sale:  Mortgage loans originated and intended for sale in the secondary market are carried at fair value, as determined by outstanding commitments from investors.  As of December 31, 2014 and 2013, these loans had a net unrealized gain of $62,000 and $42,000, respectively, which are reflected in their carrying value.  Changes in fair value of loans held for sale are included in net gains on mortgage loans.  Loans are sold servicing released; therefore no mortgage servicing right assets are established.
	Loans:  Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, net of unearned interest, deferred loan fees and costs and an allowance for loan losses.
	Interest income is accrued on the unpaid principal balance.  Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income over the respective term of the loan using the level‑yield method without anticipating prepayments.
	Interest income on mortgage and commercial loans is discontinued at the time the loan is 90 days delinquent unless the loan is well-secured and in process of collection.  Consumer loans are typically charged off no later than 120 days past due.  Past due status is based on the contractual terms of the loan.  In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful.  Nonaccrual loans and loans past due 90 days still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans.
	All interest accrued but not received for loans placed on nonaccrual is reversed against interest income.  Interest received on such loans is accounted for on the cash-basis or cost‑recovery method, until qualifying for return to accrual.  Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.
	Allowance for Loan Losses:  The allowance for loan losses is a valuation allowance for probable incurred credit losses, increased by the provision for loan losses and recoveries, and decreased by charge-offs of loans.  Management believed the estimated allowance for loan losses 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 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.
	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 environmental factors.  The Company maintains a loss migration analysis that tracks loan losses and recoveries based on loan class as well as the loan risk grade assignment for commercial loans.  At December 31, 2014, an 18 month (six quarter) annualized historical loss experience was used for commercial loans and a 12 month (four quarter) historical loss experience period was applied to residential mortgage and consumer loan portfolios.  These historical loss percentages are adjusted (both upwards and downwards) for certain qualitative environmental 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 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 so that the loan is reported, net, 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, accordingly, 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.
	Transfers of Financial Assets:  Transfers of financial assets are accounted for as sales, when control over the assets has been relinquished.  Control over transferred assets is deemed to be surrendered when the assets have been isolated from the Company, the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
	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.
	Premises and Equipment:  Land is carried at cost.  Premises and equipment are stated at cost less accumulated depreciation.  Buildings and related components are depreciated using the straight‑line method with useful lives ranging from 5 to 40 years.  Furniture, fixtures and equipment are depreciated using the straight-line method with useful lives ranging from 3 to 15 years.  Maintenance, repairs and minor alterations are charged to current operations as expenditures occur and major improvements are capitalized.
	Bank-Owned Life Insurance (BOLI):  The Bank has purchased life insurance policies on certain officers. Bank-owned life insurance is recorded at its currently realizable cash surrender value.  Changes in cash surrender value are recorded in other income.
	Goodwill and Acquired Intangible Assets:  Goodwill resulting from business combinations represents the excess of the purchase price over the fair value of the net assets of businesses acquired.  Goodwill and intangible assets acquired in a purchase business combination and determined to have an indefinite useful life are not amortized, but tested for impairment at least annually.  Intangible assets with definite useful lives are amortized over their estimated useful lives to their estimated residual values.  The Company had no goodwill or acquired intangible assets at December 31, 2014 and 2013.
	Acquired intangible assets consist of core deposit and customer relationship intangible assets arising from acquisitions.  They are initially measured at fair value and then are amortized on an accelerated method over their estimated useful lives, which range from ten to sixteen years.  The Company had no acquired intangible assets at December 31, 2014 and 2013.
	Long-term Assets:  Premises and equipment and other long-term assets are reviewed for impairment when events indicate their carrying amount may not be recoverable from future undiscounted cash flows.  If impaired, the assets are recorded at fair value.
	Loan Commitments and Related Financial Instruments:  Financial instruments include off-balance sheet credit instruments, such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs.  The face amount for these items represents the exposure to loss, before considering customer collateral or ability to repay.  Such financial instruments are recorded when they are funded.
	Mortgage Banking Derivatives:  Commitments to fund mortgage loans (interest rate locks) to be sold into the secondary market and forward commitments for the future delivery of these mortgage loans are accounted for as derivatives not qualifying for hedge accounting.  Fair values of these mortgage derivatives are estimated based on changes in mortgage interest rates from the date the interest on the loan is locked.  At times, the Company enters into forward commitments for the future delivery of mortgage loans when interest rate locks are entered into, in order to hedge the change in interest rates resulting from its commitments to fund the loans.
	Changes in the fair values of these interest rate lock and forward commitment derivatives are included in net gains on mortgage loans.  The net fair value of mortgage banking derivatives was approximately $(2,000) and $51,000 at December 31, 2014 and 2013, respectively.
	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 December 31, 2014, the total notional amount of such agreements was $20.0 million and resulted in a derivative asset with a fair value of $140,000 which was included in other assets and a derivative liability of $140,000 which was included in other liabilities.  At December 31, 2013, the total notional amount of such agreements was $20.0 million and resulted in a derivative asset with a fair value of $94,000 which was included in other assets and a derivative liability of $94,000 which was included in other liabilities.
	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.
	The Company recognizes 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.
	The Company recognizes interest and/or penalties related to income tax matters in income tax expense.
	Earnings Per Common Share:  Basic earnings per common share is net income divided by the weighted average number of common shares outstanding during the period.  All outstanding unvested restricted stock awards that contain rights to nonforfeitable dividends are considered participating securities for this calculation.  Diluted earnings per common share includes the dilutive effect of additional potential common shares issuable under stock options and the conversion of the Company’s convertible preferred stock (for periods before the fourth quarter of 2013 when the convertible preferred stock was exchanged for common stock).   In the event of a net loss, our unvested restricted stock awards are excluded from both basic and diluted earnings per share.
	Comprehensive Income (Loss):  Comprehensive income (loss) consists of net income and other comprehensive income (loss).  Other comprehensive income (loss) includes unrealized gains and losses on securities available for sale.
	Loss Contingencies:  Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated.
	Restrictions on Cash:  Cash on hand or on deposit with the Federal Reserve Bank of $5,016,000 and $4,417,000 at December 31, 2014 and 2013, respectively, was required to meet regulatory reserve and clearing requirements.
	Stock Splits and Dividends:  Stock dividends in excess of 20% are reported as stock splits, resulting in no adjustment to the Company’s equity accounts.  Stock dividends for 20% or less are reported by transferring the fair value, as of the ex‑dividend date, of the stock issued from retained earnings to common stock.  Fractional share amounts are paid in cash with a reduction in retained earnings. All share and per share amounts are retroactively adjusted for stock splits and dividends.
	Dividend Restriction:  Banking regulations require maintaining certain capital levels and impose limitations on dividends paid by the Bank to the Company and by the Company to shareholders.
	Fair Values of Financial Instruments:  Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed separately.  Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments and other factors, especially in the absence of broad markets for particular items.  Changes in assumptions or in market conditions could significantly affect the estimates.  The fair value estimates of existing on-and off-balance sheet financial instruments do not include the value of anticipated future business or the values of assets and liabilities not considered financial instruments.
	Segment Reporting:  The Company, through the branch network of the Bank, provides a broad range of financial services to individuals and companies in western Michigan.  These services include demand, time and savings deposits; lending; ATM and debit card processing; cash management; and trust and brokerage services.  While the Company’s management team monitors the revenue streams of the various Company products and services, operations are managed and financial performance is evaluated on a Company-wide basis.  Accordingly, all of the Company’s banking operations are considered by management to be aggregated in one operating segment – commercial banking.
	Reclassifications:  Some items in the prior year financial statements were reclassified to conform to the current presentation.
	Adoption of New Accounting Standards:  The Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“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.
	FASB issued ASU No. 2014-17, Business Combinations (Topic 805 )—Pushdown Accounting (a consensus of the FASB Emerging Issues Task Force), which provides guidance regarding when and how an acquiree that is a business or a non-profit activity can apply pushdown accounting in its separate financial statements. In particular, ASU No. 2014-17 provides an acquired entity with an option to apply pushdown accounting in its separate financial statements upon the occurrence of an event in which an acquirer obtains control of the acquiree. An acquired entity may elect the option to apply pushdown accounting in the reporting period in which the change-in-control event occurs. If, however, pushdown accounting is not applied during that reporting period, an acquired entity will have the option to elect to apply pushdown accounting in a subsequent reporting period to the acquired entity’s most recent change-in-control event. Such an election to apply pushdown accounting in a reporting period after the one in which the change-in-control event occurred should be considered a change in accounting principle, in accordance with FASB Accounting Standards Codification (“ASC” or “Codification”) Topic 250, Accounting Changes and Error Corrections. Additionally, the ASU provides that an acquired entity should determine whether to elect to apply pushdown accounting for each individual change-in-control event in which an acquirer obtains control of the acquired entity. Notably, if pushdown accounting is applied to an individual change-in-control event, that election is irrevocable. The amendments in this ASU are effective on November 18, 2014. Following the effective date, an acquired entity can make an election to apply the guidance to future change-in-control events or to its most recent change-in-control event.  The impact of prospective adoption of this ASU by the Company was not and is not expected to be material.
	Newly Issued Not Yet Effective Standards:
	FASB has issued 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 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 issued ASU 2014-14, Classification of Certain Government-Guaranteed Mortgage Loans upon Foreclosure.  This update requires creditors to reclassify loans that are within the scope of the ASU to “other receivables” upon foreclosure, rather than reclassifying them to other real estate owned. The separate other receivable recorded upon foreclosure is to be measured based on the amount of the loan balance (principal and interest) the creditor expects to recover from the guarantor.  The new guidance is 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.

SECURITIES

SECURITIES	12 Months Ended
	Dec. 31, 2014
SECURITIES [Abstract]
SECURITIES	NOTE 2 – SECURITIES
	The amortized cost and fair value of securities were as follows (dollars in thousands):
		Amortized		Gross			Gross			Fair
		Cost		Unrealized			Unrealized			Value
				Gains			Losses
	31-Dec-14
	Available for Sale:
	U.S. Treasury and federal agency securities	$	67,612	$	53		$	(501	)	$	67,164
	U.S. Agency MBS and CMOs		16,692		67			(71	)		16,688
	Tax-exempt state and municipal bonds		37,203		419			(161	)		37,461
	Taxable state and municipal bonds		25,012		351			(70	)		25,293
	Corporate bonds and other debt securities		13,762		34			(30	)		13,766
	Other equity securities		1,500		2			---			1,502
		$	161,781	$	926		$	(833	)	$	161,874
	Held to Maturity
	Tax-exempt state and municipal bonds	$	31,585	$	64		$	(221	)	$	31,428
	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 $10.9 million, $5.2 million and $4.6 million, respectively, for the years ended December 31, 2014, 2013 and 2012, resulting in net gains on sale of $75,000, $120,000 and $73,000, respectively, as reported in the consolidated statements of income.  This resulted in reclassifications of $75,000 ($49,000 net of tax), $120,000 ($78,000 net of tax) and $73,000 ($47,000 net of tax) respectively, from accumulated other comprehensive income to gain on sale of securities in the consolidated statements of income in years ended December 31, 2014, 2013 and 2012.
	Contractual maturities of debt securities at December 31, 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	$	19,075	$	19,044		$	4,280		$	4,295
	Due from one to five years		640		638			96,108			96,112
	Due from five to ten years		11,610		11,492			37,532			37,580
	Due after ten years		260		254			22,361			22,385
		$	31,585	$	31,428		$	160,281		$	160,372
	Securities with unrealized losses at December 31, 2014 and 2013, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, are as follows (dollars in thousands):
		Less than 12 Months					12 Months or More						Total
	31-Dec-14	Fair		Unrealized			Fair			Unrealized			Fair		Unrealized
		Value		Loss			Value			Loss			Value		Loss
	U.S. Treasury and federal agency securities	$	16,426	$	(45	)	$	35,350		$	(456	)	$	51,776	$	(501	)
	U.S. Agency MBS and CMOs		---		---			9,732			(71	)		9,732		(71	)
	Tax-exempt state and municipal bonds		26,820		(264	)		4,545			(118	)		31,365		(382	)
	Taxable state and municipal bonds		3,982		(19	)		3,240			(51	)		7,222		(70	)
	Corporate bonds and other debt securities		4,187		(13	)		1,988			(17	)		6,175		(30	)
	Other equity securities		---		---			---			---			---		---
	Total temporarily impaired	$	51,415	$	(341	)	$	54,855		$	(713	)	$	106,270	$	(1,054	)
		Less than 12 Months					12 Months or More						Total
	31-Dec-13	Fair		Unrealized			Fair			Unrealized			Fair		Unrealized
		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") at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. Management determined that the unrealized losses for each period were attributable to changes in interest rates and not due to credit quality.  As such, no OTTI charges were necessary during 2014, 2013 and 2012.
	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 December 31, 2014 and 2013.

LOANS

LOANS	12 Months Ended
	Dec. 31, 2014
LOANS [Abstract]
LOANS	NOTE 3 – LOANS
	Portfolio loans were as follows (dollars in thousands):
		December 31,				December 31,
		2014				2013
	Commercial and industrial	$	327,674			$	274,099
	Commercial real estate:
	Residential developed		12,771				18,130
	Unsecured to residential developers		7,496				7,315
	Vacant and unimproved		50,372				42,988
	Commercial development		4,082				2,434
	Residential improved		69,612				76,294
	Commercial improved		269,757				247,195
	Manufacturing and industrial		76,441				77,984
	Total commercial real estate		490,531				472,340
	Consumer
	Residential mortgage		190,249				188,648
	Unsecured		948				1,337
	Home equity		98,887				95,961
	Other secured		10,194				9,992
	Total consumer		300,278				295,938
	Total loans		1,118,483				1,042,377
	Allowance for loan losses		(18,962	)			(20,798	)
		$	1,099,521			$	1,021,579
	The following tables present the activity in the allowance for loan losses by portfolio segment for the years ended December 31, 2014, 2013 and 2012 (dollars in thousands):
	2014	Commercial				Commercial			Consumer				Unallocated		Total
		and				Real Estate
		Industrial
	Beginning balance	$	6,174			$	10,868		$	3,703			$	53	$	20,798
	Charge-offs		(43	)			(134	)		(499	)			---		(676	)
	Recoveries		522				1,481			187				---		2,190
	Provision for loan losses		(480	)			(3,525	)		655				---		(3,350	)
	Ending Balance	$	6,173			$	8,690		$	4,046			$	53	$	18,962
	2013	Commercial				Commercial			Consumer				Unallocated		Total
		and				Real Estate
		Industrial
	Beginning balance	$	6,459			$	13,457		$	3,787			$	36	$	23,739
	Charge-offs		(317	)			(1,065	)		(822	)			---		(2,204	)
	Recoveries		1,134				2,141			238				---		3,513
	Provision for loan losses		(1,102	)			(3,665	)		500				17		(4,250	)
	Ending Balance	$	6,174			$	10,868		$	3,703			$	53	$	20,798
	2012	Commercial				Commercial			Consumer				Unallocated		Total
		and				Real Estate
		Industrial
	Beginning balance	$	6,313			$	20,475		$	4,821			$	32	$	31,641
	Charge-offs		(1,245	)			(3,206	)		(3,045	)			---		(7,496	)
	Recoveries		547				5,840			307				---		6,694
	Provision for loan losses		844				(9,652	)		1,704				4		(7,100	)
	Ending Balance	$	6,459			$	13,457		$	3,787			$	36	$	23,739
	The following tables present 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):
	31-Dec-14	Commercial				Commercial Real Estate			Consumer				Unallocated		Total
		and
		Industrial
	Allowance for loan losses:
	Ending allowance attributable to loans:
	Individually reviewed for impairment	$	2,429			$	743		$	893			$	---	$	4,065
	Collectively evaluated for impairment		3,744				7,947			3,153				53		14,897
	Total ending allowance balance	$	6,173			$	8,690		$	4,046			$	53	$	18,962
	Loans:
	Individually reviewed for impairment	$	9,084			$	29,818		$	14,495			$	---	$	53,397
	Collectively evaluated for impairment		318,590				460,713			285,783				---		1,065,086
	Total ending loans balance	$	327,674			$	490,531		$	300,278			$	---	$	1,118,483
	31-Dec-13	Commercial				Commercial Real Estate			Consumer				Unallocated		Total
		and
		Industrial
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 December 31, 2014 (dollars in thousands):
31-Dec-14	Unpaid Principal Balance				Recorded Investment			Allowance Allocated
With no related allowance recorded:
Commercial and industrial	$	3,019			$	3,019		$	---
Commercial real estate:
Residential developed		531				531			---
Unsecured to residential developers		---				---			---
Vacant and unimproved		---				---			---
Commercial development		---				---			---
Residential improved		547				547			---
Commercial improved		331				331			---
Manufacturing and industrial		206				206			---
		1,615				1,615			---
Consumer:
Residential mortgage		---				---			---
Unsecured		---				---			---
Home equity		---				---			---
Other secured		---				---			---
		---				---			---
	$	4,634			$	4,634		$	---
With an allowance recorded:
Commercial and industrial	$	6,065			$	6,065		$	2,429
Commercial real estate:
Residential developed		550				550			35
Unsecured to residential developers		---				---			---
Vacant and unimproved		1,499				1,499			43
Commercial development		199				199			5
Residential improved		7,323				7,323			240
Commercial improved		16,113				16,113			389
Manufacturing and industrial		2,519				2,519			31
		28,203				28,203			743
Consumer:
Residential mortgage		9,492				9,484			584
Unsecured		---				---			---
Home equity		5,182				5,011			309
Other secured		---				---			---
		14,674				14,495			893
	$	48,942			$	48,763		$	4,065
Total	$	53,576			$	53,397		$	4,065
The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2013 (dollars in thousands):
31-Dec-13	Unpaid Principal Balance				Recorded Investment			Allowance 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 years ended December 31, 2014, 2013 and 2012 (dollars in thousands):
	2014				2013			2012
Average of impaired loans during the period:
Commercial and industrial	$	11,818			$	14,333		$	14,928
Commercial real estate:
Residential developed		3,628				6,357			8,162
Unsecured to residential developers		---				---			---
Vacant and unimproved		1,646				2,804			3,851
Commercial development		451				398			216
Residential improved		9,309				11,549			13,192
Commercial improved		17,853				20,191			17,975
Manufacturing and industrial		5,630				6,305			9,125
Consumer		14,476				14,532			15,857
Interest income recognized during impairment:
Commercial and industrial		1,108				1,278			1,291
Commercial real estate		1,527				1,974			2,736
Consumer		541				537			538
Cash-basis interest income recognized
Commercial and industrial		1,107				1,273			1,295
Commercial real estate		1,547				1,971			2,740
Consumer		541				532			550
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 December 31, 2014 and 2013:
31-Dec-14	Nonaccrual				Over 90
					days
					Accruing
Commercial and industrial	$	5,605			$	---
Commercial real estate:
Residential developed		245				---
Unsecured to residential developers		---				---
Vacant and unimproved		---				---
Commercial development		29				---
Residential improved		766				---
Commercial improved		866				117
Manufacturing and industrial		---				---
		1,906				117
Consumer:
Residential mortgage		305				---
Unsecured		40				---
Home equity		436				17
Other secured		---				---
		781				17
Total	$	8,292			$	134
31-Dec-13	Nonaccrual				Over 90
					days
					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 December 31, 2014 by class of loans (dollars in thousands):
31-Dec-14	30-90				Greater Than			Total				Loans Not		Total
	Days				90 Days			Past Due				Past Due
Commercial and industrial	$	54			$	---		$	54			$	327,620	$	327,674
Commercial real estate:
Residential developed		---				---			---				12,771		12,771
Unsecured to residential developers		---				---			---				7,496		7,496
Vacant and unimproved		100				---			100				50,272		50,372
Commercial development		---				29			29				4,053		4,082
Residential improved		100				440			540				69,072		69,612
Commercial improved		---				958			958				268,799		269,757
Manufacturing and industrial		---				---			---				76,441		76,441
		200				1,427			1,627				488,904		490,531
Consumer:
Residential mortgage		338				303			641				189,608		190,249
Unsecured		---				18			18				930		948
Home equity		79				422			501				98,386		98,887
Other secured		---				---			---				10,194		10,194
		417				743			1,160				299,118		300,278
Total	$	671			$	2,170		$	2,841			$	1,115,642	$	1,118,483
The following table presents the aging of the recorded investment in past due loans as of December 31, 2013 by class of loans (dollars in thousands):
31-Dec-13	30-90				Greater Than			Total				Loans Not		Total
	Days				90 Days			Past Due				Past Due
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 $4,065,000 and $3,870,000 of specific reserves to customers whose loan terms have been modified in troubled debt restructurings (“TDRs”) as of December 31, 2014 and December 31, 2013, respectively.  These loans may have 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.
Based upon recently issued regulatory guidance, the Company has determined that in situations where there is a subsequent modification or renewal and the loan is brought to market terms, including a contractual interest rate not less than a market interest rate for new debt with similar credit risk characteristics, the TDR and impaired loan designations may be removed.  This guidance was first applied to loans outstanding at September 30, 2014 resulting in a reduction of $5.9 million in loans designated as TDR and impaired.  In addition, the TDR designation may also be removed from loans 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.
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, less estimated costs to sell.  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 December 31, 2014 and 2013 (dollars in thousands):
	2014							2013
	Number of Loans				Outstanding Recorded Balance			Number of Loans				Outstanding Recorded Balance
Commercial and industrial		36			$	9,085			43			$	7,787
Commercial real estate		84				29,817			122				45,774
Consumer		106				14,495			106				14,531
		226			$	53,397			271			$	68,092
The following table presents information related to accruing troubled debt restructurings as of December 31, 2014, 2013, 2012 and 2011. The table presents the amount of accruing troubled debt restructurings that were on nonaccrual status prior to the restructuring, accruing at the time of restructuring and those that were upgraded to accruing status after receiving six consecutive monthly payments in accordance with the restructured terms as of December 31, 2014, 2013, 2012 and 2011 (dollars in thousands):
	2014				2013			2012				2011
Accruing TDR - nonaccrual at restructuring	$	---			$	---		$	1,135			$	605
Accruing TDR - accruing at restructuring		46,197				57,790			61,545				51,532
Accruing TDR - upgraded to accruing after six consecutive payments		---				---			2,344				3,542
	$	46,197			$	57,790		$	65,024			$	55,679
The following tables present information regarding troubled debt restructurings executed during the year ended December 31, 2014, 2013 and 2012 (dollars in thousands):
2014	Number of Loans				Pre-Modification			Principal
					Outstanding			Writedown upon
					Recorded Balance			Modification
Commercial and industrial		1			$	61		$	---
Commercial real estate		11				4,345			---
Consumer		39				1,422			---
		51			$	5,828		$	---
2013	Number of Loans				Pre-Modification			Principal
					Outstanding			Writedown upon
					Recorded Balance			Modification
Commercial and industrial		5			$	1,085		$	---
Commercial real estate		13				4,298			---
Consumer		36				5,833			---
		54			$	11,216		$	---
2012	Number of Loans				Pre-Modification			Principal
					Outstanding			Writedown upon
					Recorded Balance			Modification
Commercial and industrial		16			$	1,462		$	9
Commercial real estate		52				15,413			332
Consumer		10				1,518			261
		78			$	18,393		$	602
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.  As with other loans not considered TDR or impaired, allowance allocations are based on the historical based allocation for the applicable loan grade and loan class.
The table below presents, by class, information regarding troubled debt restructurings which had payment defaults during the twelve months ended December 31, 2014, 2013 and 2012 (dollars in thousands). Included are loans that became delinquent more than 90 days past due or transferred to nonaccrual within 12 months of restructuring.
	2014							2013						2012
	Number of Loans			Outstanding Recorded Balance				Number of Loans			Outstanding Recorded Balance			Number of Loans			Outstanding Recorded Balance
Commercial and industrial		---			$	---			---			$	---		3			$	112
Commercial real estate		1				131			1				1,350		2				225
Consumer		---				---			---				---		2				184
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 the credit department 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 December 31, 2014, the risk grade category of commercial loans by class of loans was as follows (dollars in thousands):
2014		1				2			3				4		5				6		7		8
Commercial and industrial	$	343			$	11,177		$	118,382			$	182,651	$	8,448			$	1,068	$	5,605	$	---
Commercial real estate:
Residential developed		---				---			2,491				4,702		4,491				842		245		---
Unsecured to residential developers		---				---			---				7,496		---				---		---		---
Vacant and unimproved		---				---			12,105				30,997		7,241				29		---		---
Commercial development		---				---			---				3,643		211				199		29		---
Residential improved		---				103			16,291				43,928		6,428				2,096		766		---
Commercial improved		---				4,392			61,543				178,169		20,558				4,229		866		---
Manufacturing and industrial		---				1,508			27,396				42,494		4,713				330		---		---
	$	343			$	17,180		$	238,208			$	494,080	$	52,090			$	8,793	$	7,511	$	---
As of December 31, 2013, the risk grade category of commercial loans by class of loans was as follows (dollars in thousands):
2013		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 year-end (dollars in thousands):
	2014				2013
Not classified as impaired	$	4,220			$	7,400
Classified as impaired		12,084				20,252
Total commercial loans classified substandard or worse	$	16,304			$	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 tables present the recorded investment in consumer loans based on payment activity as of December 31, 2014 and 2013 (dollars in thousands):
31-Dec-14	Residential Mortgage				Consumer Unsecured			Home				Consumer Other
								Equity
Performing	$	189,946			$	930		$	98,465			$	10,194
Nonperforming		303				18			422				---
Total	$	190,249			$	948		$	98,887			$	10,194
31-Dec-13	Residential Mortgage				Consumer Unsecured			Home				Consumer Other
								Equity
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	12 Months Ended
	Dec. 31, 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):
		2014			2013			2012
	Beginning balance	$	53,501		$	69,743		$	83,663
	Additions, transfers from loans		4,932			3,539			9,168
	Proceeds from sales of other real estate owned		(12,487	)		(16,501	)		(18,729	)
	Valuation allowance reversal upon sale		(3,499	)		(4,378	)		(4,300	)
	Gain (loss) on sale of other real estate owned		624			1,098			(59	)
			43,071			53,501			69,743
	Less: valuation allowance		(14,829	)		(16,705	)		(18,161	)
	Ending balance	$	28,242		$	36,796		$	51,582
	Activity in the valuation allowance was as follows (dollars in thousands):
		2014			2013			2012
	Beginning balance	$	16,705		$	18,161		$	17,225
	Additions charged to expense		1,623			2,922			5,236
	Reversals upon sale		(3,499	)		(4,378	)		(4,300	)
	Ending balance	$	14,829		$	16,705		$	18,161

FAIR_VALUE

FAIR VALUE	12 Months Ended
	Dec. 31, 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 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 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 in				Significant Other				Significant Unobservable Inputs
			Value				Active Markets				Observable				(Level 3)
							for Identical				Inputs (Level 2)
							Assets
							(Level 1)
	31-Dec-14
	U.S. Treasury and federal agency securities		$	67,164			$	---			$	67,164			$	---
	U.S. Agency MBS and CMOs			16,688				---				16,688				---
	Tax-exempt state and municipal bonds			37,461				---				37,461				---
	Taxable state and municipal bonds			25,293				---				25,293				---
	Corporate bonds and other debt securities			13,766				---				13,766				---
	Other equity securities			1,502				---				1,502				---
	Loans held for sale			2,347				---				2,347				---
	Interest rate swaps			140				---				---				140
	Interest rate swaps			(140	)			---				---				(140	)
	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 Unobservable Inputs
			Value				in Active				Observable				(Level 3)
							Markets for				Inputs (Level 2)
							Identical Assets
							(Level 1)
	31-Dec-14
	Impaired loans		$	12,649			$	---			$	---			$	12,649
	Other real estate owned			22,472				---				---				22,472
	31-Dec-13
	Impaired loans		$	22,403			$	---			$	---			$	22,403
	Other real estate owned			29,711				---				---				29,711
	Quantitative information about Level 3 fair value measurements measured on a non-recurring basis were as follows at year end (dollars in thousands).
			Asset (Liability) Fair Value			Valuation		Unobservable		Range (%)
						Technique		Inputs
	31-Dec-14
	Impaired Loans		$	12,649		Sales comparison approach		Adjustment for differences between comparable sales		1.0 to 20.0
						Income approach		Capitalization rate		9.5 to 12.0
	Other real estate owned			22,472		Sales comparison approach		Adjustment for differences between comparable sales		3.0 to 22.7
						Income approach		Capitalization rate		9.5 to 12.0
			Asset (Liability) Fair Value			Valuation		Unobservable		Range (%)
						Technique		Inputs
	31-Dec-13
	Impaired Loans		$	22,403		Sales comparison approach		Adjustment for differences between comparable sales		2.0 to 23.0
						Income approach		Capitalization rate		9.5 to 12.0
	Other real estate owned			29,711		Sales comparison approach		Adjustment for differences between comparable sales		1.0 to 17.0
						Income approach		Capitalization rate		9.5 to 12.0
	The carrying amounts and estimated fair values of financial instruments, not previously presented, were as follows at year end (dollars in thousands).
	Level in		2014								2013
	Fair Value		Carrying Amount				Fair				Carrying Amount				Fair
	Hierarchy						Value								Value
Financial assets
Cash and due from banks	Level 1		$	31,503			$	31,503			$	38,714			$	38,714
Cash equivalents	Level 2			97,952				97,952				118,178				118,178
Interest-bearing time deposits in other financial institutions	Level 2			20,000				20,062				25,000				25,003
Securities held to maturity	Level 3			31,585				31,428				19,248				19,278
FHLB stock				11,238			NA					11,236			NA
Loans, net	Level 2			1,086,872				1,082,675				999,176				990,084
Bank owned life insurance	Level 3			28,195				28,195				27,517				27,517
Accrued interest receivable	Level 2			3,399				3,399				3,231				3,231
Financial liabilities
Deposits	Level 2			(1,306,325	)			(1,306,671	)			(1,249,734	)			(1,250,886	)
Other borrowed funds	Level 2			(88,107	)			(89,066	)			(89,991	)			(90,321	)
Long-term debt	Level 2			(41,238	)			(35,396	)			(41,238	)			(35,098	)
Accrued interest payable	Level 2			(289	)			(289	)			(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 and 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.

PREMISES_AND_EQUIPMENT_NET

PREMISES AND EQUIPMENT - NET	12 Months Ended
	Dec. 31, 2014
PREMISES AND EQUIPMENT - NET [Abstract]
PREMISES AND EQUIPMENT - NET	NOTE 6 – PREMISES AND EQUIPMENT – NET
	Year-end premises and equipment were as follows (dollars in thousands):
		2014			2013
	Land	$	18,227		$	18,236
	Building		43,426			42,530
	Leasehold improvements		779			779
	Furniture and equipment		18,368			20,344
	Construction in progress		413			1,065
			81,213			82,954
	Less accumulated depreciation		(28,319	)		(29,313	)
		$	52,894		$	53,641
	Depreciation expense was $2,513,000, $2,342,000 and $2,400,000 for 2014, 2013 and 2012, respectively.
	The Bank leases certain office and branch premises and equipment under operating lease agreements.  Total rental expense for all operating leases aggregated to $436,000, $354,000 and $460,000 for 2014, 2013 and 2012, respectively.  Future minimum rental expense under noncancelable operating leases as of December 31, 2014 is as follows (dollars in thousands):
	2015	$	240
	2016		230
	2017		230
	2018		230
	2019		230
	Thereafter		127
		$	1,287

DEPOSITS

DEPOSITS	12 Months Ended
	Dec. 31, 2014
DEPOSITS [Abstract]
DEPOSITS	NOTE 7 – DEPOSITS
	Deposits at year-end were as follows (dollars in thousands):
		2014		2013
	Noninterest-bearing demand	$	404,143	$	344,550
	Interest bearing demand		340,053		287,417
	Savings and money market accounts		442,246		469,542
	Certificates of deposit		119,883		148,225
		$	1,306,325	$	1,249,734
	The following table depicts the maturity distribution of certificates of deposit at December 31, 2014 (dollars in thousands):
	2015	$	85,486
	2016		22,023
	2017		7,016
	2018		2,736
	2019		2,622
	Thereafter		---
		$	119,883
	Approximately $50.1 million and $56.7 million in certificates of deposit were in denominations of $100,000 or more at December 31, 2014 and 2013, respectively.

OTHER_BORROWED_FUNDS

OTHER BORROWED FUNDS	12 Months Ended
	Dec. 31, 2014
OTHER BORROWED FUNDS [Abstract]
OTHER BORROWED FUNDS	NOTE 8 - 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 year-end, advances from the Federal Home Loan Bank were as follows (dollars in thousands):
	Principal Terms	Advance Amount		Range of Maturities	Weighted Average Interest Rate
	31-Dec-14
	Single maturity fixed rate advances	$	80,000	August 2016 to February 2019		1.69	%
	Amortizable mortgage advances		8,107	March 2018 to July 2018		3.78	%
		$	88,107
	Principal Terms	Advance Amount		Range of Maturities	Weighted Average 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 $441,252,000 and $411,715,000 under a blanket lien arrangement at December 31, 2014 and 2013.
	During the second quarter of 2013, the Bank modified the terms of six of its existing FHLB advances (totaling $60.0 million) having the effect of extending the weighted average maturity for all outstanding advances from 3.22 years to 4.86 years and reducing the weighted average interest rate from 1.95% to 1.94%.  As the modifications did not result in the terms being substantially different (as defined in ASC 470-50-40-10), the transaction was accounted for as a modification, not extinguishment of debt.  Accordingly, the prepayment fees incurred are amortized as an adjustment of the yield over the remaining life of each advance.
	Scheduled repayments of FHLB advances as of December 31, 2014 were as follows (in thousands):
	2015	$	1,938
	2016		21,996
	2017		2,055
	2018		52,118
	2019		10,000
	Thereafter		---
		$	88,107
	Federal Reserve Bank Borrowings
	The Company has a financing arrangement with the Federal Reserve Bank.  There were no borrowings outstanding at December 31, 2014 and 2013, and the Company had approximately $22.8 million and $22.7 million in unused borrowing capacity based on commercial and mortgage loans pledged to the Federal Reserve Bank totaling $25.9 million and $26.6 million at December 31, 2014 and 2013, respectively.

LONGTERM_DEBT

LONG-TERM DEBT	12 Months Ended
	Dec. 31, 2014
LONG-TERM DEBT [Abstract]
LONG-TERM DEBT	NOTE 9 – LONG TERM DEBT
	The Company has outstanding $40.0 million aggregate liquidation amount of pooled trust preferred securities ("TRUPs") issued through its wholly-owned subsidiary grantor trusts.  Macatawa Statutory Trust I issued $619,000 of common securities to the Company and $20.0 million aggregate liquidation amount of Preferred Securities with a floating interest rate of three-month LIBOR plus 3.05%.  Macatawa Statutory Trust II issued $619,000 of common securities and $20.0 million aggregate liquidation amount of Preferred Securities with a floating interest rate of three-month LIBOR plus 2.75%.
	The Company issued subordinated debentures (“Debentures”) to each trust in exchange for ownership of all of the common securities of each trust and the $41,238,000 in proceeds of the offerings, which Debentures represent the sole asset of each trust.  The Preferred Securities represent an interest in the Company’s Debentures, which have terms that are similar to the Preferred Securities.  The Company is not considered the primary beneficiary of each trust (variable interest entity), therefore each trust is not consolidated in the Company’s financial statements, rather the Debentures are shown as a liability.
	The Company has the option to defer interest payments on the Debentures from time to time for up to twenty consecutive quarterly payments, although interest continues to accrue on the outstanding balance.  During any deferral period, the Company may not declare or pay any dividends on the Company’s common stock or preferred stock or make any payment on any outstanding debt obligations that rank equally with or junior to the Debentures.
	In the second half of 2013, the Company discontinued the deferral and resumed regular payment of quarterly interest payments on its trust preferred securities and paid all accrued and unpaid interest that had been previously deferred and became due and payable upon the discontinuance of the deferral. For Macatawa Statutory Trust I, a total of $3.0 million, representing all of the deferred and current interest payment due was distributed on September 30, 2013. For Macatawa Statutory Trust II, a total of $2.7 million, representing all of the deferred and current interest payment due, was distributed on October 7, 2013.
	At December 31, 2014 and 2013, Debentures totaling $41,238,000 are reported in liabilities as long-term debt, and the common securities of $1,238,000 and unamortized debt issuance costs are included in other assets.  The Preferred Securities may be included in Tier 1 capital (with certain limitations applicable) under current regulatory guidelines and interpretations.  At December 31, 2014 and 2013, approximately $40.0 million of the Preferred Securities issued qualified as Tier 1 capital for regulatory capital purposes.

RELATED_PARTY_TRANSACTIONS

RELATED PARTY TRANSACTIONS	12 Months Ended
	Dec. 31, 2014
RELATED PARTY TRANSACTIONS [Abstract]
RELATED PARTY TRANSACTIONS	NOTE 10 – RELATED PARTY TRANSACTIONS
	Loans to principal officers, directors, and their affiliates were as follows (dollars in thousands).
		2014			2013
	Beginning balance	$	3,462		$	5,645
	New loans and renewals		21,594			10,704
	Repayments and renewals		(14,979	)		(12,887	)
	Effect of changes in related parties		---			---
	Less accumulated depreciation	$	10,077		$	3,462
	Deposits from principal officers, directors, and their affiliates at December 31, 2014 and 2013 were $80.3 million and $113.8 million, respectively.  The majority of the deposit balances for each year are associated with institutional accounts of affiliated organizations of one of the Company’s directors.

STOCKBASED_COMPENSATION

STOCK-BASED COMPENSATION	12 Months Ended
	Dec. 31, 2014
STOCK-BASED COMPENSATION [Abstract]
STOCK-BASED COMPENSATION	NOTE 11 – STOCK-BASED COMPENSATION
	The Company has stock-based compensation plans for its employees (the Employees’ Plans) and directors (the Directors’ Plans).  The Employees’ Plans permit the grant of stock options or the issuance of restricted stock for up to 1,917,210 shares of common stock.  The Directors’ Plans permit the grant of stock options or the issuance of restricted stock for up to 473,278 shares of common stock.  There were 247,932 shares under the Employees’ Plans and 156,375 shares under the Directors’ Plans available for future issuance as of December 31, 2014.  The Company issues new shares under its stock-based compensation plans from its authorized but unissued shares.
	Stock Options
	Option awards are granted with an exercise price equal to the market price at the date of grant.  Option awards have vesting periods ranging from one to three years and have ten year contractual terms.
	The fair value of each option award is estimated on the date of grant using a closed form option valuation (Black-Scholes) model.  Expected volatilities are based on historical volatilities of the Company’s common stock.  The Company uses historical data to estimate option exercise and post-vesting termination behavior.  The expected term of options granted is based on historical data and represents the period of time that options granted are expected to be outstanding, which takes into account that the options are not transferable.  The Company expects that all options granted will vest and become exercisable. The risk-free interest rate for the expected term of the option is based on the U.S. Treasury yield curve in effect at the time of the grant.
	There were no options granted during 2014, 2013 and 2012.  A summary of option activity in the plans is as follows (dollars in thousands, except per option data):
	Options	Number Outstanding			Weighted-Average Exercise Price		Weighted- Average Remaining Contractual Life in Years		Aggregate Intrinsic Value
	Outstanding at January 1, 2014		355,328		$	17.65		---		---
	Forfeited		(330	)		22.77		---		---
	Expired		(94,737	)		15.09		---		---
	Outstanding at December 31, 2014		260,261		$	18.57		1.54	$	---
	Exerciseable at December 31, 2014		260,261		$	18.57		1.54	$	---
	Information related to stock options during each year follows (dollars in thousands):
		2014			2013		2012
	Intrinsic value of options exercised	$	---		$	---	$	---
	Cash received from option exercises		---			---		---
	Tax benefit realized from option exercises		---			---		---
	There was no compensation cost for stock options in 2014, 2013 and 2012.
	As of December 31, 2014, there was no unrecognized cost related to nonvested stock options granted under the Company’s stock-based compensation plans.
	Restricted Stock Awards
	Restricted stock awards have vesting periods of up to three years.  A summary of changes in the Company’s nonvested restricted stock awards for the year follows:
	Nonvested Stock Awards	Shares			Weighted-		Aggregate Intrinsic
					Average		Value
					Grant-Date Fair
					Value
	Outstanding at January 1, 2014		206,171		$	4.28	$	1,121,570
	Granted		98,500			5.12		535,840
	Vested		(74,325	)		4.02		404,328
	Forfeited		(12,667	)		3.96		68,908
	Outstanding at December 31, 2014		217,679		$	4.77	$	1,184,174
	Compensation cost related to restricted stock awards totaled $338,000, $160,000, and $9,000 for 2014, 2013 and 2012, respectively.
	As of December 31, 2014, there was $945,000 of total remaining unrecognized compensation cost related to nonvested restricted stock awards granted under the Company’s stock-based compensation plans.  The cost is expected to be recognized over a weighted-average period of 1.51 years.  The total grant date fair value of restricted stock awards vested during 2014 was $299,151.  The total grant date fair value of restricted stock awards vested during 2013 was $116,954.  There were no restricted stock awards that vested during 2012.

EMPLOYEE_BENEFITS

EMPLOYEE BENEFITS	12 Months Ended
	Dec. 31, 2014
EMPLOYEE BENEFITS [Abstract]
EMPLOYEE BENEFITS	NOTE 12 – EMPLOYEE BENEFITS
	The Company sponsors a 401(k) plan which covers substantially all employees.  Employees may elect to contribute to the plan up to the maximum percentage of compensation and dollar amount subject to statutory limitations.  Effective January 1, 2010, the Company temporarily suspended its matching contribution.  Beginning January 1, 2013, the Company reinstated its contribution using a matching formula of 100% of the first 3% of employee contributions and 50% of employee contributions in excess of 3%, up to 5%.  The Company’s contributions for the year ended December 31, 2014 were approximately $630,000.  The Company’s contributions for the year ended December 31, 2013 were approximately $584,000.  There were no contributions in 2012.
	The Company sponsors an Employee Stock Purchase Plan which covers substantially all employees.  Employees are allowed to direct the Company to withhold payroll dollars and purchase Company stock at market price on a payroll by payroll basis.  The Company has reserved 210,000 shares of common stock to be issued under the plan.  The plan allows for shares to be issued directly from the Company or purchased on the open market.

EARNINGS_PER_COMMON_SHARE

EARNINGS PER COMMON SHARE	12 Months Ended
	Dec. 31, 2014
EARNINGS PER COMMON SHARE [Abstract]
EARNINGS PER COMMON SHARE	NOTE 13 - EARNINGS PER COMMON SHARE
	A reconciliation of the numerators and denominators of basic and diluted earnings per common share are as follows (dollars in thousands, except per share data):
		2014		2013			2012
	Net income	$	10,473	$	9,549		$	35,490
	Effect of induced exchange of preferred stock		---		(17,575	)		---
	Net income available to common shares	$	10,473	$	(8,026	)	$	35,490
	Weighted average shares outstanding, including participating stock awards - Basic		33,803,030		27,161,888			27,086,792
	Dilutive potential common shares:
	Stock options		---		---			---
	Conversion of preferred stock		---		---			---
	Stock warrants		---		---			---
	Weighted average shares outstanding - Diluted		33,803,030		27,161,888			27,086,792
	Basic earnings per common share	$	0.31	$	(0.29	)	$	1.31
	Diluted earnings per common share	$	0.31	$	(0.29	)	$	1.31
	The 2013 Exchange (See Note 17) by holders of convertible preferred stock for common stock and a cash premium was accounted for as an induced conversion.  Common stock was increased by the carrying (liquidation) value of the amount of convertible preferred stock exchanged.  The fair value of common stock and the cash premium issued in excess of the fair value of securities issuable pursuant to the original conversion terms was treated as a reduction to net income available to common shareholders for earnings per share purposes.
	Stock options for 260,261, 355,328 and 472,719 shares of common stock were not considered in computing diluted earnings per share for 2014, 2013 and 2012, respectively, because they were antidilutive. Unvested restricted awards of 206,167 were not considered in computing earnings per share for 2013 as they were antidilutive due to the net loss available to common shares created by the preferred stock exchange.  Potential common shares associated with convertible preferred stock (for periods prior to December 30, 2013, the completion date of the Exchange) and stock warrants were not considered in computing diluted earnings per share in each period because they were antidilutive.

FEDERAL_INCOME_TAXES

FEDERAL INCOME TAXES	12 Months Ended
	Dec. 31, 2014
FEDERAL INCOME TAXES [Abstract]
FEDERAL INCOME TAXES	NOTE 14 - FEDERAL INCOME TAXES
	Income tax expense (benefit) was as follows (dollars in thousands):
		2014			2013			2012
	Current	$	1,724		$	120		$	275
	Deferred		2,849			4,150			---
	Valuation allowance - change in estimate		---			---			(18,858	)
		$	4,573		$	4,270		$	(18,583	)
	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):
		2014			2013			2012
	Statutory rate		35	%		35	%		35	%
	Statutory rate applied to income before taxes	$	5,266		$	4,837		$	5,917
	Add (deduct)
	Change in valuation allowance		---			---			(24,026	)
	Tax-exempt interest income		(391	)		(244	)		(103	)
	Bank-owned life insurance		(237	)		(250	)		(297	)
	Other, net		(65	)		(73	)		(74	)
		$	4,573		$	4,270		$	(18,583	)
	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.  The Company’s analysis at December 31, 2012 concluded that it was “more likely than not” that the Company would continue to produce earnings and that the positive evidence outweighed the negative evidence regarding its ability to utilize our deferred tax assets.  As such, the valuation allowance that had been established on deferred tax assets in 2009 was reversed at December 31, 2012.  No valuation allowance was necessary at December 31, 2014, 2013 or 2012.
	The net deferred tax asset recorded included the following amounts of deferred tax assets and liabilities (dollars in thousands):
		2014			2013
	Deferred tax assets
	Allowance for loan losses	$	6,637		$	7,279
	Nonaccrual loan interest		935			782
	Valuation allowance on other real estate owned		5,190			5,847
	Net operating loss carryforward		---			1,743
	Unrealized loss on securities available for sale		---			1,053
	Other		1,896			1,808
	Gross deferred tax assets		14,658			18,512
	Valuation allowance		---			---
	Total net deferred tax assets		14,658			18,512
	Deferred tax liabilities
	Depreciation		(1,908	)		(1,620	)
	Prepaid expenses		(21	)		(308	)
	Unrealized gain on securities available for sale		(33	)		---
	Other		(431	)		(384	)
	Gross deferred tax liabilities		(2,393	)		(2,312	)
	Net deferred tax asset	$	12,265		$	16,200
	There were no unrecognized tax benefits at December 31, 2014 or 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	12 Months Ended
	Dec. 31, 2014
COMMITMENTS AND OFF BALANCE-SHEET RISK [Abstract]
COMMITMENTS AND OFF-BALANCE-SHEET RISK	NOTE 15 – 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 year-end (dollars in thousands):
		2014		2013
	Commitments to make loans	$	81,274	$	87,513
	Letters of credit		11,862		10,774
	Unused lines of credit		389,099		313,232
	The notional amount of commitments to fund mortgage loans to be sold into the secondary market was approximately $14.2 million and $14.7 million at December 31, 2014 and 2013, respectively.
	At year-end 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 the prime rate and generally expire within 30 days.  The majority of the unused lines of credit were at variable rates tied to the prime rate.

CONTINGENCIES

CONTINGENCIES	12 Months Ended
	Dec. 31, 2014
CONTINGENCIES [Abstract]
CONTINGENCIES	NOTE 16 – CONTINGENCIES
	The Company and its subsidiaries periodically become defendants in certain claims and legal actions arising in the ordinary course of business. On January 27, 2014, the Company’s former Chairman and Chief Executive Officer, Mr. Benj. A. Smith III, commenced legal action against the Company claiming that the Company breached an alleged employment agreement pursuant to which he claimed entitlement to $20,833 monthly for a period of six years from the date of his resignation in February 2009.  On February 10, 2015, the Company entered into a settlement agreement with Mr. Smith related to this litigation.  A liability of $516,000, net of insurance proceeds, was accrued and the related expense was included in other noninterest expense at December 31, 2014.  As of December 31, 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	12 Months Ended
	Dec. 31, 2014
SHAREHOLDERS' EQUITY [Abstract]
SHAREHOLDERS' EQUITY	NOTE 17 – SHAREHOLDERS' EQUITY
	Subordinated Notes
	In 2009, the Company received proceeds of $1,650,000 from the issuance of unsecured subordinated debt in the form of 11% subordinated notes due in 2017. On August 13, 2013, the Company prepaid and redeemed all of the subordinated notes for $1,650,000 plus interest accrued through the prepayment date.
	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.
	Actual capital levels (dollars in thousands) and minimum required levels were as follows at year-end:
		Actual					Minimum Required					To Be Well
							For Capital					Capitalized Under
							Adequacy Purposes					Prompt Corrective
												Action Regulations
		Amount		Ratio			Amount		Ratio			Amount		Ratio
	31-Dec-14
	Total capital (to risk weighted assets)
	Consolidated	$	189,353		15.6	%	$	97,420		8	%		N/A		N/A
	Bank		186,276		15.3			97,575		8		$	121,969		10	%
	Tier 1 capital (to risk weighted assets)
	Consolidated		174,084		14.3			48,706		4			N/A		N/A
	Bank		170,983		14			48,788		4			73,182		6
	Tier 1 capital (to average assets)
	Consolidated		174,084		11.6			59,998		4			N/A		N/A
	Bank		170,983		11.4			59,923		4			74,904		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 December 31, 2014 and 2013, respectively, qualified as Tier 1 capital.
	The Bank was categorized as "well capitalized" at December 31, 2014 and 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 the Company’s capital levels and balance sheet composition at December 31, 2014, the Company believes implementation of the new rule will have no material impact on its capital needs.
	Issuance of Capital
	A summary of the capital instruments issued during recent years is as follows:
	Convertible Preferred Stock
	In 2008, the Company completed a private offering of 31,290 shares of 12.0% Series A Noncumulative Convertible Perpetual Preferred Stock (Series A Preferred Stock) with a liquidation preference of $1,000 per share, resulting in an aggregate liquidation preference of $31.3 million.  Proceeds of $30.6 million from issuance were net of $686,000 of costs.
	In 2009, the Company issued 2,600 shares of 9.0% Series B Noncumulative Convertible Perpetual Preferred Stock (Series B Preferred Stock) with a liquidation preference of $1,000 per share, resulting in an aggregate liquidation preference of $2.6 million.  Proceeds of $2.6 million from issuance were net of $40,000 of costs.
	On December 30, 2013, the Company completed the cancellation and exchange (the “Exchange”) of each share of issued and outstanding Series A and Series B Preferred Stock for shares of Company stock and cash, at the election of the holder.  Pursuant to the Exchange, the Company canceled and exchanged each share of Preferred Stock for shares of Company common stock, no par value, in an amount equal to $1,000, the preferred stocks’ liquidation preference amount, divided by $5.25 plus, at the election of the holder, an amount of cash equal to $142.00, in the case of Series A Preferred Stock, or $182.00, in the case of Series B Preferred Stock, or a number of shares of Company common stock equal to this cash amount divided by $5.25.  The one-time cash payments approximated a 5.0% and 4.5% dividend rate for the Series A and Series B, respectively, after considering previous dividends paid and is considered an inducement payment.  The Exchange resulted in cash payments of $4.4 million for the Series A Preferred Stock and $319,000 for Series B Preferred Stock.  Under the accounting guidance for induced conversions of convertible preferred stock, the cash inducement payments were recorded as a reduction to common stock, rather than retained earnings, as the Company had a retained deficit at December 30, 2013.
	In addition to the cash payment discussed above, the Exchange resulted in the issuance of 5,973,519 shares of Company common stock in exchange for the Series A Preferred Stock and 457,159 shares in exchange for the Series B Preferred Stock.   The total of the fair value of the new common shares issued and the $4.7 million inducement payment exceeded the fair value of the Preferred shares issuable according to the original conversion terms by $17.6 million, which amount is reflected as a reduction of net income available to common shares in the computation of earnings per share for the year ended December 31, 2013.
	Common Stock
	In order to temporarily replenish the Company’s liquidity pending the Company’s planned public offering of common stock, on April 21, 2011, the Company issued and sold a 2% Subordinated Note due in 2018 in the aggregate principal amount of $1,000,000 to a director of the Company. On June 29, 2011, the director executed his right to convert the 2% Subordinated Note into 491,830 shares of common stock.
	On June 7, 2011, the Company closed on a rights offering to existing shareholders, issuing 4,456,186 shares of common stock for $2.30 per share. On June 29, 2011, the Company closed on its public offering, issuing 4,456,186 shares of common stock for $2.30 per share.
	The net proceeds from the offerings and subordinated note conversion were $20.3 million. The Company contributed $10.0 million to the Bank on June 30, 2011 and held the remaining proceeds at the holding company.
	Warrants
	In 2009 the Company and Macatawa Bank entered into a Settlement and Release and Stock and Warrant Issuance Agreement in connection with legal proceedings related to Trade Partners, Inc.  In connection with the Settlement, the Company issued warrants to purchase a total of 1,478,811 shares of common stock at an exercise price of $9.00 per share.  The fair value of the warrants issued was $806,000 and was recorded in Common Stock based upon $0.54 per warrant as determined using a Black-Scholes model.  The warrants expire on June 18, 2015 (five years after issuance).

CONDENSED_FINANCIAL_STATEMENTS

CONDENSED FINANCIAL STATEMENTS (PARENT COMPANY ONLY)	12 Months Ended
	Dec. 31, 2014
CONDENSED FINANCIAL STATEMENTS (PARENT COMPANY ONLY) [Abstract]
CONDENSED FINANCIAL STATEMENTS (PARENT COMPANY ONLY)	NOTE 18 – CONDENSED FINANCIAL STATEMENTS (PARENT COMPANY ONLY)
	Following are condensed parent company only financial statements (dollars in thousands):
	CONDENSED BALANCE SHEETS
		2014			2013
	ASSETS
	Cash and cash equivalents	$	2,544		$	1,910
	Investment in Bank subsidiary		177,312			167,292
	Investment in other subsidiaries		1,491			1,504
	Other assets		2,599			3,272
	Total assets	$	183,946		$	173,978
	LIABILITIES AND SHAREHOLDERS' EQUITY
	Long-term debt		41,238			41,238
	Other liabilities		189			218
	Total liabilities		41,427			41,456
	Total shareholders' equity		142,519			132,522
	Total liabilities and shareholders' equity	$	183,946		$	173,978
	CONDENSED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME
		2014			2013			2012
	INCOME
	Dividends from subsidiaries	$	4,139		$	5,179		$	---
	Other		---			---			---
	Total income		4,139			5,179			---
	EXPENSE
	Interest expense		1,311			1,563			1,719
	Other expense		611			575			555
	Total expense		1,922			2,138			2,274
	Income (loss) before income tax and equity in undistributed earnings of subsidiaries		2,217			3,041			(2,274	)
	Equity in undistributed earnings of subsidiaries		7,592			5,770			35,338
	Income before income tax		9,809			8,811			33,064
	Income tax benefit		(664	)		(738	)		(2,426	)
	Net income	$	10,473		$	9,549		$	35,490
	Net income (loss) available to common shares	$	10,473		$	(8,026	)	$	35,490
	Comprehensive income	$	12,489		$	6,634		$	36,072
	CONDENSED STATEMENTS OF CASH FLOWS
		2014			2013			2012
	Cash flows from operating activities
	Net income	$	10,473		$	9,549		$	35,490
	Adjustments to reconcile net income to net cash from operating activities:
	Equity in undistributed earnings of subsidiaries		(7,592	)		(5,770	)		(35,338	)
	Stock compensation expense		2			---			---
	Change in other assets		673			(740	)		(2,424	)
	Change in other liabilities		(29	)		(4,487	)		1,524
	Net cash from operating activities		3,527			(1,448	)		(748	)
	Cash flows from investing activities
	Investment in subsidiaries		---			---			---
	Net cash from investing activities		---			---			---
	Cash flows from investing activities
	Proceeds from issuance of common stock		4			---			---
	Cash dividends paid		(2,689	)		---			---
	Common stock issuance costs		(102	)		---			---
	Redemption of subordinated debt		---			(1,650	)		---
	Repurchases of shares		(106	)		(45	)		---
	Cash paid in preferred stock exchange		---			(4,734	)		---
	Net cash from financing activities		(2,893	)		(6,429	)		---
	Net change in cash and cash equivalents		634			(7,877	)		(748	)
	Cash and cash equivalents at beginning of year		1,910			9,787			10,535
	Cash and cash equivalents at end of year	$	2,544		$	1,910		$	9,787
	Supplemental noncash disclosures:
	Conversion of 300 shares of Preferred Series B to 50,000 shares of common stock	$	---		$	300		$	---
	Exchange of 31,290 shares of Preferred Series A to 5,973,519 shares of common stock		---			30,604			---
	Exchange of 2,300 shares of Preferred Series B to 457,159 shares of common stock		---			2,260			---

QUARTERLY_FINANCIAL_DATA_Unaud

QUARTERLY FINANCIAL DATA (Unaudited)	12 Months Ended
	Dec. 31, 2014
QUARTERLY FINANCIAL DATA (Unaudited) [Abstract]
QUARTERLY FINANCIAL DATA (Unaudited)	NOTE 19 – QUARTERLY FINANCIAL DATA (Unaudited)
	(Dollars in thousands except per share data)
											Earnings (Loss) Per Common Share
		Interest Income		Net Interest Income		Provision for Loan Losses			Net Income		Basic			Diluted
	2014
	First quarter	$	11,970	$	10,475	$	(1,000	)	$	2,639	$	0.08		$	0.08
	Second quarter		11,528		10,156		(1,000	)		2,755		0.08			0.08
	Third quarter		11,674		10,304		(750	)		2,762		0.08			0.08
	Fourth quarter		11,816		10,457		(600	)		2,317		0.07			0.07
	2013
	First quarter	$	12,433	$	10,483	$	(750	)	$	2,473	$	0.09		$	0.09
	Second quarter		12,307		10,464		(1,000	)		2,603		0.1			0.1
	Third quarter		11,919		10,124		(1,500	)		2,238		0.08			0.08
	Fourth quarter		11,961		10,212		(1,000	)		2,234		(0.56	)		(0.56	)
	Net income for the fourth quarter of 2014 includes $516,000 expense associated with a legal settlement discussed in Note 16.
	Fourth quarter 2013 loss per common share includes the impact of the induced exchange of preferred stock discussed in Note 17.

SUMMARY_OF_SIGNIFICANT_ACCOUNT1

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 2014
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Nature of Operations and Principles of Consolidation	Nature of Operations and Principles of Consolidation: The accompanying consolidated financial statements include the accounts of Macatawa Bank Corporation ("Macatawa" or the "Company") 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 securities of Macatawa Statutory Trust I and Macatawa Statutory Trust II.  These are grantor trusts that issued trust preferred securities and are discussed in a separate note.  Under generally accepted accounting principles, these trusts are not consolidated into the financial statements of the Company.
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.
Concentration of Credit Risk	Concentration of Credit Risk:  Loans are granted to, and deposits are obtained from, customers primarily in the western Michigan area as described above.  Substantially all loans are secured by specific items of collateral, including residential real estate, commercial real estate, commercial assets and consumer assets.  Commercial real estate loans are the largest concentration, comprising 44% of total loans at December 31, 2014.  Commercial and industrial loans total 29%, while residential real estate and consumer loans make up the remaining 27%.  Other financial instruments, which potentially subject the Company to concentrations of credit risk, include deposit accounts in other financial institutions.
Cash Flow Reporting	Cash Flow Reporting:  Cash and cash equivalents include cash on hand, demand deposits with other financial institutions and short-term securities (securities with maturities equal to or less than 90 days and federal funds sold).  Cash flows are reported net for customer loan and deposit transactions, interest-bearing time deposits with other financial institutions and short-term borrowings with maturities of 90 days or less.
Securities	Securities:  Securities are classified as held to maturity and carried at amortized cost when management has the positive intent and ability to hold them to maturity.  Securities available for sale consist of those securities which might be sold prior to maturity due to changes in interest rates, prepayment risks, yield and availability of alternative investments, liquidity needs or other factors.  Securities classified as available for sale are reported at their fair value and the related unrealized holding gain or loss is reported in other comprehensive income, net of tax.
	Interest income includes amortization of purchase premium or discount.  Premiums and discounts on securities are amortized on the level yield method without anticipating prepayments.  Gains and losses on sales are based on the amortized cost of the security sold.
	Management evaluates securities for other-than-temporary impairment ("OTTI") at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation.  Investment securities classified as available for sale or held-to-maturity are generally evaluated for OTTI under ASC Topic 320, Investments — Debt and Equity Instruments.
	In determining OTTI, management considers many factors, including: (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, (3) whether the market decline was affected by macroeconomic conditions, and (4) whether the entity has the intent to sell the debt security or more likely than not will be required to sell the debt security before its anticipated recovery. The assessment of whether an other-than-temporary decline exists involves a high degree of subjectivity and judgment and is based on the information available to management at a point in time. Management has determined that no OTTI charges were necessary during 2014, 2013 and 2012.
Federal Home Loan Bank (FHLB) Stock	Federal Home Loan Bank (FHLB) Stock:  The Bank is a member of the FHLB system.  Members are required to own a certain amount of stock based on the level of borrowings and other factors, and may invest in additional amounts.  FHLB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment.  Because this stock is viewed as a long term investment, impairment is based on ultimate recovery of par value.  Management has determined that there is no impairment of FHLB stock.  Both cash and stock dividends are reported as income.
Loans Held for Sale	Loans Held for Sale:  Mortgage loans originated and intended for sale in the secondary market are carried at fair value, as determined by outstanding commitments from investors.  As of December 31, 2014 and 2013, these loans had a net unrealized gain of $62,000 and $42,000, respectively, which are reflected in their carrying value.  Changes in fair value of loans held for sale are included in net gains on mortgage loans.  Loans are sold servicing released; therefore no mortgage servicing right assets are established.
Loans	Loans:  Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, net of unearned interest, deferred loan fees and costs and an allowance for loan losses.
	Interest income is accrued on the unpaid principal balance.  Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income over the respective term of the loan using the level‑yield method without anticipating prepayments.
	Interest income on mortgage and commercial loans is discontinued at the time the loan is 90 days delinquent unless the loan is well-secured and in process of collection.  Consumer loans are typically charged off no later than 120 days past due.  Past due status is based on the contractual terms of the loan.  In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful.  Nonaccrual loans and loans past due 90 days still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans.
	All interest accrued but not received for loans placed on nonaccrual is reversed against interest income.  Interest received on such loans is accounted for on the cash-basis or cost‑recovery method, until qualifying for return to accrual.  Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.
Allowance for Loan Losses	Allowance for Loan Losses:  The allowance for loan losses is a valuation allowance for probable incurred credit losses, increased by the provision for loan losses and recoveries, and decreased by charge-offs of loans.  Management believed the estimated allowance for loan losses 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 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.
	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 environmental factors.  The Company maintains a loss migration analysis that tracks loan losses and recoveries based on loan class as well as the loan risk grade assignment for commercial loans.  At December 31, 2014, an 18 month (six quarter) annualized historical loss experience was used for commercial loans and a 12 month (four quarter) historical loss experience period was applied to residential mortgage and consumer loan portfolios.  These historical loss percentages are adjusted (both upwards and downwards) for certain qualitative environmental 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 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 so that the loan is reported, net, 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, accordingly, 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.
Transfers of Financial Assets	Transfers of Financial Assets:  Transfers of financial assets are accounted for as sales, when control over the assets has been relinquished.  Control over transferred assets is deemed to be surrendered when the assets have been isolated from the Company, the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
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.
Premises and Equipment	Premises and Equipment:  Land is carried at cost.  Premises and equipment are stated at cost less accumulated depreciation.  Buildings and related components are depreciated using the straight‑line method with useful lives ranging from 5 to 40 years.  Furniture, fixtures and equipment are depreciated using the straight-line method with useful lives ranging from 3 to 15 years.  Maintenance, repairs and minor alterations are charged to current operations as expenditures occur and major improvements are capitalized.
Bank-Owned Life Insurance (BOLI)	Bank-Owned Life Insurance (BOLI):  The Bank has purchased life insurance policies on certain officers. Bank-owned life insurance is recorded at its currently realizable cash surrender value.  Changes in cash surrender value are recorded in other income.
Goodwill and Acquired Intangible Assets	Goodwill and Acquired Intangible Assets:  Goodwill resulting from business combinations represents the excess of the purchase price over the fair value of the net assets of businesses acquired.  Goodwill and intangible assets acquired in a purchase business combination and determined to have an indefinite useful life are not amortized, but tested for impairment at least annually.  Intangible assets with definite useful lives are amortized over their estimated useful lives to their estimated residual values.  The Company had no goodwill or acquired intangible assets at December 31, 2014 and 2013.
	Acquired intangible assets consist of core deposit and customer relationship intangible assets arising from acquisitions.  They are initially measured at fair value and then are amortized on an accelerated method over their estimated useful lives, which range from ten to sixteen years.  The Company had no acquired intangible assets at December 31, 2014 and 2013.
Long-term Assets	Long-term Assets:  Premises and equipment and other long-term assets are reviewed for impairment when events indicate their carrying amount may not be recoverable from future undiscounted cash flows.  If impaired, the assets are recorded at fair value.
Loan Commitments and Related Financial Instruments	Loan Commitments and Related Financial Instruments:  Financial instruments include off-balance sheet credit instruments, such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs.  The face amount for these items represents the exposure to loss, before considering customer collateral or ability to repay.  Such financial instruments are recorded when they are funded.
Mortgage Banking Derivatives	Mortgage Banking Derivatives:  Commitments to fund mortgage loans (interest rate locks) to be sold into the secondary market and forward commitments for the future delivery of these mortgage loans are accounted for as derivatives not qualifying for hedge accounting.  Fair values of these mortgage derivatives are estimated based on changes in mortgage interest rates from the date the interest on the loan is locked.  At times, the Company enters into forward commitments for the future delivery of mortgage loans when interest rate locks are entered into, in order to hedge the change in interest rates resulting from its commitments to fund the loans.
	Changes in the fair values of these interest rate lock and forward commitment derivatives are included in net gains on mortgage loans.  The net fair value of mortgage banking derivatives was approximately $(2,000) and $51,000 at December 31, 2014 and 2013, respectively.
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 December 31, 2014, the total notional amount of such agreements was $20.0 million and resulted in a derivative asset with a fair value of $140,000 which was included in other assets and a derivative liability of $140,000 which was included in other liabilities.  At December 31, 2013, the total notional amount of such agreements was $20.0 million and resulted in a derivative asset with a fair value of $94,000 which was included in other assets and a derivative liability of $94,000 which was included in other liabilities.
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.
	The Company recognizes 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.
	The Company recognizes interest and/or penalties related to income tax matters in income tax expense.
Earnings Per Common Share	Earnings Per Common Share:  Basic earnings per common share is net income divided by the weighted average number of common shares outstanding during the period.  All outstanding unvested restricted stock awards that contain rights to nonforfeitable dividends are considered participating securities for this calculation.  Diluted earnings per common share includes the dilutive effect of additional potential common shares issuable under stock options and the conversion of the Company’s convertible preferred stock (for periods before the fourth quarter of 2013 when the convertible preferred stock was exchanged for common stock).   In the event of a net loss, our unvested restricted stock awards are excluded from both basic and diluted earnings per share.
Comprehensive Income (Loss)	Comprehensive Income (Loss):  Comprehensive income (loss) consists of net income and other comprehensive income (loss).  Other comprehensive income (loss) includes unrealized gains and losses on securities available for sale.
Loss Contingencies	Loss Contingencies:  Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated.
Restrictions on Cash	Restrictions on Cash:  Cash on hand or on deposit with the Federal Reserve Bank of $5,016,000 and $4,417,000 at December 31, 2014 and 2013, respectively, was required to meet regulatory reserve and clearing requirements.
Stock Splits and Dividends	Stock Splits and Dividends:  Stock dividends in excess of 20% are reported as stock splits, resulting in no adjustment to the Company’s equity accounts.  Stock dividends for 20% or less are reported by transferring the fair value, as of the ex‑dividend date, of the stock issued from retained earnings to common stock.  Fractional share amounts are paid in cash with a reduction in retained earnings. All share and per share amounts are retroactively adjusted for stock splits and dividends.
Dividend Restriction	Dividend Restriction:  Banking regulations require maintaining certain capital levels and impose limitations on dividends paid by the Bank to the Company and by the Company to shareholders.
Fair Values of Financial Instruments	Fair Values of Financial Instruments:  Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed separately.  Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments and other factors, especially in the absence of broad markets for particular items.  Changes in assumptions or in market conditions could significantly affect the estimates.  The fair value estimates of existing on-and off-balance sheet financial instruments do not include the value of anticipated future business or the values of assets and liabilities not considered financial instruments.
Segment Reporting	Segment Reporting:  The Company, through the branch network of the Bank, provides a broad range of financial services to individuals and companies in western Michigan.  These services include demand, time and savings deposits; lending; ATM and debit card processing; cash management; and trust and brokerage services.  While the Company’s management team monitors the revenue streams of the various Company products and services, operations are managed and financial performance is evaluated on a Company-wide basis.  Accordingly, all of the Company’s banking operations are considered by management to be aggregated in one operating segment – commercial banking.
Reclassifications	Reclassifications:  Some items in the prior year financial statements were reclassified to conform to the current presentation.
New Accounting Standards	Adoption of New Accounting Standards:  The Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“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.
	FASB issued ASU No. 2014-17, Business Combinations (Topic 805 )—Pushdown Accounting (a consensus of the FASB Emerging Issues Task Force), which provides guidance regarding when and how an acquiree that is a business or a non-profit activity can apply pushdown accounting in its separate financial statements. In particular, ASU No. 2014-17 provides an acquired entity with an option to apply pushdown accounting in its separate financial statements upon the occurrence of an event in which an acquirer obtains control of the acquiree. An acquired entity may elect the option to apply pushdown accounting in the reporting period in which the change-in-control event occurs. If, however, pushdown accounting is not applied during that reporting period, an acquired entity will have the option to elect to apply pushdown accounting in a subsequent reporting period to the acquired entity’s most recent change-in-control event. Such an election to apply pushdown accounting in a reporting period after the one in which the change-in-control event occurred should be considered a change in accounting principle, in accordance with FASB Accounting Standards Codification (“ASC” or “Codification”) Topic 250, Accounting Changes and Error Corrections. Additionally, the ASU provides that an acquired entity should determine whether to elect to apply pushdown accounting for each individual change-in-control event in which an acquirer obtains control of the acquired entity. Notably, if pushdown accounting is applied to an individual change-in-control event, that election is irrevocable. The amendments in this ASU are effective on November 18, 2014. Following the effective date, an acquired entity can make an election to apply the guidance to future change-in-control events or to its most recent change-in-control event.  The impact of prospective adoption of this ASU by the Company was not and is not expected to be material.
	Newly Issued Not Yet Effective Standards:
	FASB has issued 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 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 issued ASU 2014-14, Classification of Certain Government-Guaranteed Mortgage Loans upon Foreclosure.  This update requires creditors to reclassify loans that are within the scope of the ASU to “other receivables” upon foreclosure, rather than reclassifying them to other real estate owned. The separate other receivable recorded upon foreclosure is to be measured based on the amount of the loan balance (principal and interest) the creditor expects to recover from the guarantor.  The new guidance is 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.

SECURITIES_Tables

SECURITIES (Tables)	12 Months Ended
	Dec. 31, 2014
SECURITIES [Abstract]
Amortized Cost and Fair Value of Securities	The amortized cost and fair value of securities were as follows (dollars in thousands):
		Amortized		Gross			Gross			Fair
		Cost		Unrealized			Unrealized			Value
				Gains			Losses
	31-Dec-14
	Available for Sale:
	U.S. Treasury and federal agency securities	$	67,612	$	53		$	(501	)	$	67,164
	U.S. Agency MBS and CMOs		16,692		67			(71	)		16,688
	Tax-exempt state and municipal bonds		37,203		419			(161	)		37,461
	Taxable state and municipal bonds		25,012		351			(70	)		25,293
	Corporate bonds and other debt securities		13,762		34			(30	)		13,766
	Other equity securities		1,500		2			---			1,502
		$	161,781	$	926		$	(833	)	$	161,874
	Held to Maturity
	Tax-exempt state and municipal bonds	$	31,585	$	64		$	(221	)	$	31,428
	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 December 31, 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	$	19,075	$	19,044		$	4,280		$	4,295
	Due from one to five years		640		638			96,108			96,112
	Due from five to ten years		11,610		11,492			37,532			37,580
	Due after ten years		260		254			22,361			22,385
		$	31,585	$	31,428		$	160,281		$	160,372
Securities in Continuous Unrealized Loss Position	Securities with unrealized losses at December 31, 2014 and 2013, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, are as follows (dollars in thousands):
		Less than 12 Months					12 Months or More						Total
	31-Dec-14	Fair		Unrealized			Fair			Unrealized			Fair		Unrealized
		Value		Loss			Value			Loss			Value		Loss
	U.S. Treasury and federal agency securities	$	16,426	$	(45	)	$	35,350		$	(456	)	$	51,776	$	(501	)
	U.S. Agency MBS and CMOs		---		---			9,732			(71	)		9,732		(71	)
	Tax-exempt state and municipal bonds		26,820		(264	)		4,545			(118	)		31,365		(382	)
	Taxable state and municipal bonds		3,982		(19	)		3,240			(51	)		7,222		(70	)
	Corporate bonds and other debt securities		4,187		(13	)		1,988			(17	)		6,175		(30	)
	Other equity securities		---		---			---			---			---		---
	Total temporarily impaired	$	51,415	$	(341	)	$	54,855		$	(713	)	$	106,270	$	(1,054	)
		Less than 12 Months					12 Months or More						Total
	31-Dec-13	Fair		Unrealized			Fair			Unrealized			Fair		Unrealized
		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)	12 Months Ended
	Dec. 31, 2014
LOANS [Abstract]
Portfolio Loans	Portfolio loans were as follows (dollars in thousands):
		December 31,				December 31,
		2014				2013
	Commercial and industrial	$	327,674			$	274,099
	Commercial real estate:
	Residential developed		12,771				18,130
	Unsecured to residential developers		7,496				7,315
	Vacant and unimproved		50,372				42,988
	Commercial development		4,082				2,434
	Residential improved		69,612				76,294
	Commercial improved		269,757				247,195
	Manufacturing and industrial		76,441				77,984
	Total commercial real estate		490,531				472,340
	Consumer
	Residential mortgage		190,249				188,648
	Unsecured		948				1,337
	Home equity		98,887				95,961
	Other secured		10,194				9,992
	Total consumer		300,278				295,938
	Total loans		1,118,483				1,042,377
	Allowance for loan losses		(18,962	)			(20,798	)
		$	1,099,521			$	1,021,579
Activity in Allowance for Loan Losses by Portfolio Segment	The following tables present the activity in the allowance for loan losses by portfolio segment for the years ended December 31, 2014, 2013 and 2012 (dollars in thousands):
	2014	Commercial				Commercial			Consumer				Unallocated		Total
		and				Real Estate
		Industrial
	Beginning balance	$	6,174			$	10,868		$	3,703			$	53	$	20,798
	Charge-offs		(43	)			(134	)		(499	)			---		(676	)
	Recoveries		522				1,481			187				---		2,190
	Provision for loan losses		(480	)			(3,525	)		655				---		(3,350	)
	Ending Balance	$	6,173			$	8,690		$	4,046			$	53	$	18,962
	2013	Commercial				Commercial			Consumer				Unallocated		Total
		and				Real Estate
		Industrial
	Beginning balance	$	6,459			$	13,457		$	3,787			$	36	$	23,739
	Charge-offs		(317	)			(1,065	)		(822	)			---		(2,204	)
	Recoveries		1,134				2,141			238				---		3,513
	Provision for loan losses		(1,102	)			(3,665	)		500				17		(4,250	)
	Ending Balance	$	6,174			$	10,868		$	3,703			$	53	$	20,798
	2012	Commercial				Commercial			Consumer				Unallocated		Total
		and				Real Estate
		Industrial
	Beginning balance	$	6,313			$	20,475		$	4,821			$	32	$	31,641
	Charge-offs		(1,245	)			(3,206	)		(3,045	)			---		(7,496	)
	Recoveries		547				5,840			307				---		6,694
	Provision for loan losses		844				(9,652	)		1,704				4		(7,100	)
	Ending Balance	$	6,459			$	13,457		$	3,787			$	36	$	23,739
Allowance for Loan Losses and Recorded Investment in Loans by Portfolio Segment Based on Impairment Method	The following tables present 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):
	31-Dec-14	Commercial				Commercial Real Estate			Consumer				Unallocated		Total
		and
		Industrial
	Allowance for loan losses:
	Ending allowance attributable to loans:
	Individually reviewed for impairment	$	2,429			$	743		$	893			$	---	$	4,065
	Collectively evaluated for impairment		3,744				7,947			3,153				53		14,897
	Total ending allowance balance	$	6,173			$	8,690		$	4,046			$	53	$	18,962
	Loans:
	Individually reviewed for impairment	$	9,084			$	29,818		$	14,495			$	---	$	53,397
	Collectively evaluated for impairment		318,590				460,713			285,783				---		1,065,086
	Total ending loans balance	$	327,674			$	490,531		$	300,278			$	---	$	1,118,483
	31-Dec-13	Commercial				Commercial Real Estate			Consumer				Unallocated		Total
		and
		Industrial
	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 December 31, 2014 (dollars in thousands):
	31-Dec-14	Unpaid Principal Balance				Recorded Investment			Allowance Allocated
	With no related allowance recorded:
	Commercial and industrial	$	3,019			$	3,019		$	---
	Commercial real estate:
	Residential developed		531				531			---
	Unsecured to residential developers		---				---			---
	Vacant and unimproved		---				---			---
	Commercial development		---				---			---
	Residential improved		547				547			---
	Commercial improved		331				331			---
	Manufacturing and industrial		206				206			---
			1,615				1,615			---
	Consumer:
	Residential mortgage		---				---			---
	Unsecured		---				---			---
	Home equity		---				---			---
	Other secured		---				---			---
			---				---			---
		$	4,634			$	4,634		$	---
	With an allowance recorded:
	Commercial and industrial	$	6,065			$	6,065		$	2,429
	Commercial real estate:
	Residential developed		550				550			35
	Unsecured to residential developers		---				---			---
	Vacant and unimproved		1,499				1,499			43
	Commercial development		199				199			5
	Residential improved		7,323				7,323			240
	Commercial improved		16,113				16,113			389
	Manufacturing and industrial		2,519				2,519			31
			28,203				28,203			743
	Consumer:
	Residential mortgage		9,492				9,484			584
	Unsecured		---				---			---
	Home equity		5,182				5,011			309
	Other secured		---				---			---
			14,674				14,495			893
		$	48,942			$	48,763		$	4,065
	Total	$	53,576			$	53,397		$	4,065
	The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2013 (dollars in thousands):
	31-Dec-13	Unpaid Principal Balance				Recorded Investment			Allowance 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 years ended December 31, 2014, 2013 and 2012 (dollars in thousands):
		2014				2013			2012
	Average of impaired loans during the period:
	Commercial and industrial	$	11,818			$	14,333		$	14,928
	Commercial real estate:
	Residential developed		3,628				6,357			8,162
	Unsecured to residential developers		---				---			---
	Vacant and unimproved		1,646				2,804			3,851
	Commercial development		451				398			216
	Residential improved		9,309				11,549			13,192
	Commercial improved		17,853				20,191			17,975
	Manufacturing and industrial		5,630				6,305			9,125
	Consumer		14,476				14,532			15,857
	Interest income recognized during impairment:
	Commercial and industrial		1,108				1,278			1,291
	Commercial real estate		1,527				1,974			2,736
	Consumer		541				537			538
	Cash-basis interest income recognized
	Commercial and industrial		1,107				1,273			1,295
	Commercial real estate		1,547				1,971			2,740
	Consumer		541				532			550
Recorded Investment in Nonaccrual and Loans Past Due Over 90 Days Still on Accrual by Class of 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 December 31, 2014 and 2013:
	31-Dec-14	Nonaccrual				Over 90
						days
						Accruing
	Commercial and industrial	$	5,605			$	---
	Commercial real estate:
	Residential developed		245				---
	Unsecured to residential developers		---				---
	Vacant and unimproved		---				---
	Commercial development		29				---
	Residential improved		766				---
	Commercial improved		866				117
	Manufacturing and industrial		---				---
			1,906				117
	Consumer:
	Residential mortgage		305				---
	Unsecured		40				---
	Home equity		436				17
	Other secured		---				---
			781				17
	Total	$	8,292			$	134
	31-Dec-13	Nonaccrual				Over 90
						days
						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 December 31, 2014 by class of loans (dollars in thousands):
	31-Dec-14	30-90				Greater Than			Total				Loans Not		Total
		Days				90 Days			Past Due				Past Due
	Commercial and industrial	$	54			$	---		$	54			$	327,620	$	327,674
	Commercial real estate:
	Residential developed		---				---			---				12,771		12,771
	Unsecured to residential developers		---				---			---				7,496		7,496
	Vacant and unimproved		100				---			100				50,272		50,372
	Commercial development		---				29			29				4,053		4,082
	Residential improved		100				440			540				69,072		69,612
	Commercial improved		---				958			958				268,799		269,757
	Manufacturing and industrial		---				---			---				76,441		76,441
			200				1,427			1,627				488,904		490,531
	Consumer:
	Residential mortgage		338				303			641				189,608		190,249
	Unsecured		---				18			18				930		948
	Home equity		79				422			501				98,386		98,887
	Other secured		---				---			---				10,194		10,194
			417				743			1,160				299,118		300,278
	Total	$	671			$	2,170		$	2,841			$	1,115,642	$	1,118,483
	The following table presents the aging of the recorded investment in past due loans as of December 31, 2013 by class of loans (dollars in thousands):
	31-Dec-13	30-90				Greater Than			Total				Loans Not		Total
		Days				90 Days			Past Due				Past Due
	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 December 31, 2014 and 2013 (dollars in thousands):
		2014							2013
		Number of Loans				Outstanding Recorded Balance			Number of Loans				Outstanding Recorded Balance
	Commercial and industrial		36			$	9,085			43			$	7,787
	Commercial real estate		84				29,817			122				45,774
	Consumer		106				14,495			106				14,531
			226			$	53,397			271			$	68,092
	The following table presents information related to accruing troubled debt restructurings as of December 31, 2014, 2013, 2012 and 2011. The table presents the amount of accruing troubled debt restructurings that were on nonaccrual status prior to the restructuring, accruing at the time of restructuring and those that were upgraded to accruing status after receiving six consecutive monthly payments in accordance with the restructured terms as of December 31, 2014, 2013, 2012 and 2011 (dollars in thousands):
		2014				2013			2012				2011
	Accruing TDR - nonaccrual at restructuring	$	---			$	---		$	1,135			$	605
	Accruing TDR - accruing at restructuring		46,197				57,790			61,545				51,532
	Accruing TDR - upgraded to accruing after six consecutive payments		---				---			2,344				3,542
		$	46,197			$	57,790		$	65,024			$	55,679
	The following tables present information regarding troubled debt restructurings executed during the year ended December 31, 2014, 2013 and 2012 (dollars in thousands):
	2014	Number of Loans				Pre-Modification			Principal
						Outstanding			Writedown upon
						Recorded Balance			Modification
	Commercial and industrial		1			$	61		$	---
	Commercial real estate		11				4,345			---
	Consumer		39				1,422			---
			51			$	5,828		$	---
	2013	Number of Loans				Pre-Modification			Principal
						Outstanding			Writedown upon
						Recorded Balance			Modification
	Commercial and industrial		5			$	1,085		$	---
	Commercial real estate		13				4,298			---
	Consumer		36				5,833			---
			54			$	11,216		$	---
	2012	Number of Loans				Pre-Modification			Principal
						Outstanding			Writedown upon
						Recorded Balance			Modification
	Commercial and industrial		16			$	1,462		$	9
	Commercial real estate		52				15,413			332
	Consumer		10				1,518			261
			78			$	18,393		$	602
Troubled Debt Restructured Loans That Defaulted During the Period	The table below presents, by class, information regarding troubled debt restructurings which had payment defaults during the twelve months ended December 31, 2014, 2013 and 2012 (dollars in thousands). Included are loans that became delinquent more than 90 days past due or transferred to nonaccrual within 12 months of restructuring.
		2014							2013						2012
		Number of Loans			Outstanding Recorded Balance				Number of Loans			Outstanding Recorded Balance			Number of Loans			Outstanding Recorded Balance
	Commercial and industrial		---			$	---			---			$	---		3			$	112
	Commercial real estate		1				131			1				1,350		2				225
	Consumer		---				---			---				---		2				184
Risk Grade Category of Loans by Class of Loans	As of December 31, 2014, the risk grade category of commercial loans by class of loans was as follows (dollars in thousands):
	2014		1				2			3				4		5				6		7		8
	Commercial and industrial	$	343			$	11,177		$	118,382			$	182,651	$	8,448			$	1,068	$	5,605	$	---
	Commercial real estate:
	Residential developed		---				---			2,491				4,702		4,491				842		245		---
	Unsecured to residential developers		---				---			---				7,496		---				---		---		---
	Vacant and unimproved		---				---			12,105				30,997		7,241				29		---		---
	Commercial development		---				---			---				3,643		211				199		29		---
	Residential improved		---				103			16,291				43,928		6,428				2,096		766		---
	Commercial improved		---				4,392			61,543				178,169		20,558				4,229		866		---
	Manufacturing and industrial		---				1,508			27,396				42,494		4,713				330		---		---
		$	343			$	17,180		$	238,208			$	494,080	$	52,090			$	8,793	$	7,511	$	---
	As of December 31, 2013, the risk grade category of commercial loans by class of loans was as follows (dollars in thousands):
	2013		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 year-end (dollars in thousands):
		2014				2013
	Not classified as impaired	$	4,220			$	7,400
	Classified as impaired		12,084				20,252
	Total commercial loans classified substandard or worse	$	16,304			$	27,652
Recorded Investment in Consumer Loans Based on Payment Activity	The following tables present the recorded investment in consumer loans based on payment activity as of December 31, 2014 and 2013 (dollars in thousands):
	31-Dec-14	Residential Mortgage				Consumer Unsecured			Home				Consumer Other
									Equity
	Performing	$	189,946			$	930		$	98,465			$	10,194
	Nonperforming		303				18			422				---
	Total	$	190,249			$	948		$	98,887			$	10,194
	31-Dec-13	Residential Mortgage				Consumer Unsecured			Home				Consumer Other
									Equity
	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)	12 Months Ended
	Dec. 31, 2014
OTHER REAL ESTATE OWNED [Abstract]
Period-End Other Real Estate Owned	Other real estate owned was as follows (dollars in thousands):
		2014			2013			2012
	Beginning balance	$	53,501		$	69,743		$	83,663
	Additions, transfers from loans		4,932			3,539			9,168
	Proceeds from sales of other real estate owned		(12,487	)		(16,501	)		(18,729	)
	Valuation allowance reversal upon sale		(3,499	)		(4,378	)		(4,300	)
	Gain (loss) on sale of other real estate owned		624			1,098			(59	)
			43,071			53,501			69,743
	Less: valuation allowance		(14,829	)		(16,705	)		(18,161	)
	Ending balance	$	28,242		$	36,796		$	51,582
Activity in Valuation Allowance	Activity in the valuation allowance was as follows (dollars in thousands):
		2014			2013			2012
	Beginning balance	$	16,705		$	18,161		$	17,225
	Additions charged to expense		1,623			2,922			5,236
	Reversals upon sale		(3,499	)		(4,378	)		(4,300	)
	Ending balance	$	14,829		$	16,705		$	18,161

FAIR_VALUE_Tables

FAIR VALUE (Tables)	12 Months Ended
	Dec. 31, 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 in				Significant Other				Significant Unobservable Inputs
			Value				Active Markets				Observable				(Level 3)
							for Identical				Inputs (Level 2)
							Assets
							(Level 1)
	31-Dec-14
	U.S. Treasury and federal agency securities		$	67,164			$	---			$	67,164			$	---
	U.S. Agency MBS and CMOs			16,688				---				16,688				---
	Tax-exempt state and municipal bonds			37,461				---				37,461				---
	Taxable state and municipal bonds			25,293				---				25,293				---
	Corporate bonds and other debt securities			13,766				---				13,766				---
	Other equity securities			1,502				---				1,502				---
	Loans held for sale			2,347				---				2,347				---
	Interest rate swaps			140				---				---				140
	Interest rate swaps			(140	)			---				---				(140	)
	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 Unobservable Inputs
			Value				in Active				Observable				(Level 3)
							Markets for				Inputs (Level 2)
							Identical Assets
							(Level 1)
	31-Dec-14
	Impaired loans		$	12,649			$	---			$	---			$	12,649
	Other real estate owned			22,472				---				---				22,472
	31-Dec-13
	Impaired loans		$	22,403			$	---			$	---			$	22,403
	Other real estate owned			29,711				---				---				29,711
Quantitative Information about Level 3 Fair Value Measurements Measured on a Non-Recurring Basis	Quantitative information about Level 3 fair value measurements measured on a non-recurring basis were as follows at year end (dollars in thousands).
			Asset (Liability) Fair Value			Valuation		Unobservable		Range (%)
						Technique		Inputs
	31-Dec-14
	Impaired Loans		$	12,649		Sales comparison approach		Adjustment for differences between comparable sales		1.0 to 20.0
						Income approach		Capitalization rate		9.5 to 12.0
	Other real estate owned			22,472		Sales comparison approach		Adjustment for differences between comparable sales		3.0 to 22.7
						Income approach		Capitalization rate		9.5 to 12.0
			Asset (Liability) Fair Value			Valuation		Unobservable		Range (%)
						Technique		Inputs
	31-Dec-13
	Impaired Loans		$	22,403		Sales comparison approach		Adjustment for differences between comparable sales		2.0 to 23.0
						Income approach		Capitalization rate		9.5 to 12.0
	Other real estate owned			29,711		Sales comparison approach		Adjustment for differences between comparable sales		1.0 to 17.0
						Income approach		Capitalization rate		9.5 to 12.0
Carrying Amounts and Estimated Fair Values of Financial Instruments, Not Previously Presented	The carrying amounts and estimated fair values of financial instruments, not previously presented, were as follows at year end (dollars in thousands).
		Level in		2014								2013
		Fair Value		Carrying Amount				Fair				Carrying Amount				Fair
		Hierarchy						Value								Value
	Financial assets
	Cash and due from banks	Level 1		$	31,503			$	31,503			$	38,714			$	38,714
	Cash equivalents	Level 2			97,952				97,952				118,178				118,178
	Interest-bearing time deposits in other financial institutions	Level 2			20,000				20,062				25,000				25,003
	Securities held to maturity	Level 3			31,585				31,428				19,248				19,278
	FHLB stock				11,238			NA					11,236			NA
	Loans, net	Level 2			1,086,872				1,082,675				999,176				990,084
	Bank owned life insurance	Level 3			28,195				28,195				27,517				27,517
	Accrued interest receivable	Level 2			3,399				3,399				3,231				3,231
	Financial liabilities
	Deposits	Level 2			(1,306,325	)			(1,306,671	)			(1,249,734	)			(1,250,886	)
	Other borrowed funds	Level 2			(88,107	)			(89,066	)			(89,991	)			(90,321	)
	Long-term debt	Level 2			(41,238	)			(35,396	)			(41,238	)			(35,098	)
	Accrued interest payable	Level 2			(289	)			(289	)			(308	)			(308	)
	Off-balance sheet credit-related items
	Loan commitments				---				---				---				---

PREMISES_AND_EQUIPMENT_NET_Tab

PREMISES AND EQUIPMENT - NET (Tables)	12 Months Ended
	Dec. 31, 2014
PREMISES AND EQUIPMENT - NET [Abstract]
Year-End Premises and Equipment	Year-end premises and equipment were as follows (dollars in thousands):
		2014			2013
	Land	$	18,227		$	18,236
	Building		43,426			42,530
	Leasehold improvements		779			779
	Furniture and equipment		18,368			20,344
	Construction in progress		413			1,065
			81,213			82,954
	Less accumulated depreciation		(28,319	)		(29,313	)
		$	52,894		$	53,641
Future Minimum Rental Expense under Noncancelable Operating Leases	Future minimum rental expense under noncancelable operating leases as of December 31, 2014 is as follows (dollars in thousands):
	2015	$	240
	2016		230
	2017		230
	2018		230
	2019		230
	Thereafter		127
		$	1,287

DEPOSITS_Tables

DEPOSITS (Tables)	12 Months Ended
	Dec. 31, 2014
DEPOSITS [Abstract]
Deposits at Period-End	Deposits at year-end were as follows (dollars in thousands):
		2014		2013
	Noninterest-bearing demand	$	404,143	$	344,550
	Interest bearing demand		340,053		287,417
	Savings and money market accounts		442,246		469,542
	Certificates of deposit		119,883		148,225
		$	1,306,325	$	1,249,734
Maturity Distribution of Certificates of Deposit	The following table depicts the maturity distribution of certificates of deposit at December 31, 2014 (dollars in thousands):
	2015	$	85,486
	2016		22,023
	2017		7,016
	2018		2,736
	2019		2,622
	Thereafter		---
		$	119,883

OTHER_BORROWED_FUNDS_Tables

OTHER BORROWED FUNDS (Tables)	12 Months Ended
	Dec. 31, 2014
OTHER BORROWED FUNDS [Abstract]
Advances from Federal Home Loan Bank	At year-end, advances from the Federal Home Loan Bank were as follows (dollars in thousands):
	Principal Terms	Advance Amount		Range of Maturities	Weighted Average Interest Rate
	31-Dec-14
	Single maturity fixed rate advances	$	80,000	August 2016 to February 2019		1.69	%
	Amortizable mortgage advances		8,107	March 2018 to July 2018		3.78	%
		$	88,107
	Principal Terms	Advance Amount		Range of Maturities	Weighted Average 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 December 31, 2014 were as follows (in thousands):
	2015	$	1,938
	2016		21,996
	2017		2,055
	2018		52,118
	2019		10,000
	Thereafter		---
		$	88,107

RELATED_PARTY_TRANSACTIONS_Tab

RELATED PARTY TRANSACTIONS (Tables)	12 Months Ended
	Dec. 31, 2014
RELATED PARTY TRANSACTIONS [Abstract]
Loans to Principal Officers, Directors, and Their Affiliates	Loans to principal officers, directors, and their affiliates were as follows (dollars in thousands).
		2014			2013
	Beginning balance	$	3,462		$	5,645
	New loans and renewals		21,594			10,704
	Repayments and renewals		(14,979	)		(12,887	)
	Effect of changes in related parties		---			---
	Less accumulated depreciation	$	10,077		$	3,462

STOCKBASED_COMPENSATION_Tables

STOCK-BASED COMPENSATION (Tables)	12 Months Ended
	Dec. 31, 2014
STOCK-BASED COMPENSATION [Abstract]
Summary of Option Activity in the Plans	A summary of option activity in the plans is as follows (dollars in thousands, except per option data):
	Options	Number Outstanding			Weighted-Average Exercise Price		Weighted- Average Remaining Contractual Life in Years		Aggregate Intrinsic Value
	Outstanding at January 1, 2014		355,328		$	17.65		---		---
	Forfeited		(330	)		22.77		---		---
	Expired		(94,737	)		15.09		---		---
	Outstanding at December 31, 2014		260,261		$	18.57		1.54	$	---
	Exerciseable at December 31, 2014		260,261		$	18.57		1.54	$	---
	Information related to stock options during each year follows (dollars in thousands):
		2014			2013		2012
	Intrinsic value of options exercised	$	---		$	---	$	---
	Cash received from option exercises		---			---		---
	Tax benefit realized from option exercises		---			---		---
Changes in Nonvested Stock Awards	A summary of changes in the Company’s nonvested restricted stock awards for the year follows:
	Nonvested Stock Awards	Shares			Weighted-		Aggregate Intrinsic
					Average		Value
					Grant-Date Fair
					Value
	Outstanding at January 1, 2014		206,171		$	4.28	$	1,121,570
	Granted		98,500			5.12		535,840
	Vested		(74,325	)		4.02		404,328
	Forfeited		(12,667	)		3.96		68,908
	Outstanding at December 31, 2014		217,679		$	4.77	$	1,184,174

EARNINGS_PER_COMMON_SHARE_Tabl

EARNINGS PER COMMON SHARE (Tables)	12 Months Ended
	Dec. 31, 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 are as follows (dollars in thousands, except per share data):
		2014		2013			2012
	Net income	$	10,473	$	9,549		$	35,490
	Effect of induced exchange of preferred stock		---		(17,575	)		---
	Net income available to common shares	$	10,473	$	(8,026	)	$	35,490
	Weighted average shares outstanding, including participating stock awards - Basic		33,803,030		27,161,888			27,086,792
	Dilutive potential common shares:
	Stock options		---		---			---
	Conversion of preferred stock		---		---			---
	Stock warrants		---		---			---
	Weighted average shares outstanding - Diluted		33,803,030		27,161,888			27,086,792
	Basic earnings per common share	$	0.31	$	(0.29	)	$	1.31
	Diluted earnings per common share	$	0.31	$	(0.29	)	$	1.31

FEDERAL_INCOME_TAXES_Tables

FEDERAL INCOME TAXES (Tables)	12 Months Ended
	Dec. 31, 2014
FEDERAL INCOME TAXES [Abstract]
Income Tax Expense (Benefit)	Income tax expense (benefit) was as follows (dollars in thousands):
		2014			2013			2012
	Current	$	1,724		$	120		$	275
	Deferred		2,849			4,150			---
	Valuation allowance - change in estimate		---			---			(18,858	)
		$	4,573		$	4,270		$	(18,583	)
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):
		2014			2013			2012
	Statutory rate		35	%		35	%		35	%
	Statutory rate applied to income before taxes	$	5,266		$	4,837		$	5,917
	Add (deduct)
	Change in valuation allowance		---			---			(24,026	)
	Tax-exempt interest income		(391	)		(244	)		(103	)
	Bank-owned life insurance		(237	)		(250	)		(297	)
	Other, net		(65	)		(73	)		(74	)
		$	4,573		$	4,270		$	(18,583	)
Deferred Tax Assets and Liabilities	The net deferred tax asset recorded included the following amounts of deferred tax assets and liabilities (dollars in thousands):
		2014			2013
	Deferred tax assets
	Allowance for loan losses	$	6,637		$	7,279
	Nonaccrual loan interest		935			782
	Valuation allowance on other real estate owned		5,190			5,847
	Net operating loss carryforward		---			1,743
	Unrealized loss on securities available for sale		---			1,053
	Other		1,896			1,808
	Gross deferred tax assets		14,658			18,512
	Valuation allowance		---			---
	Total net deferred tax assets		14,658			18,512
	Deferred tax liabilities
	Depreciation		(1,908	)		(1,620	)
	Prepaid expenses		(21	)		(308	)
	Unrealized gain on securities available for sale		(33	)		---
	Other		(431	)		(384	)
	Gross deferred tax liabilities		(2,393	)		(2,312	)
	Net deferred tax asset	$	12,265		$	16,200

COMMITMENTS_AND_OFF_BALANCESHE1

COMMITMENTS AND OFF BALANCE-SHEET RISK (Tables)	12 Months Ended
	Dec. 31, 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 year-end (dollars in thousands):
		2014		2013
	Commitments to make loans	$	81,274	$	87,513
	Letters of credit		11,862		10,774
	Unused lines of credit		389,099		313,232

SHAREHOLDERS_EQUITY_Tables

SHAREHOLDERS' EQUITY (Tables)	12 Months Ended
	Dec. 31, 2014
SHAREHOLDERS' EQUITY [Abstract]
Actual Capital Levels and Minimum Required Levels	Actual capital levels (dollars in thousands) and minimum required levels were as follows at year-end:
		Actual					Minimum Required					To Be Well
							For Capital					Capitalized Under
							Adequacy Purposes					Prompt Corrective
												Action Regulations
		Amount		Ratio			Amount		Ratio			Amount		Ratio
	31-Dec-14
	Total capital (to risk weighted assets)
	Consolidated	$	189,353		15.6	%	$	97,420		8	%		N/A		N/A
	Bank		186,276		15.3			97,575		8		$	121,969		10	%
	Tier 1 capital (to risk weighted assets)
	Consolidated		174,084		14.3			48,706		4			N/A		N/A
	Bank		170,983		14			48,788		4			73,182		6
	Tier 1 capital (to average assets)
	Consolidated		174,084		11.6			59,998		4			N/A		N/A
	Bank		170,983		11.4			59,923		4			74,904		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

CONDENSED_FINANCIAL_STATEMENTS1

CONDENSED FINANCIAL STATEMENTS (PARENT COMPANY ONLY) (Tables)	12 Months Ended
	Dec. 31, 2014
CONDENSED FINANCIAL STATEMENTS (PARENT COMPANY ONLY) [Abstract]
CONDENSED BALANCE SHEETS	CONDENSED BALANCE SHEETS
		2014			2013
	ASSETS
	Cash and cash equivalents	$	2,544		$	1,910
	Investment in Bank subsidiary		177,312			167,292
	Investment in other subsidiaries		1,491			1,504
	Other assets		2,599			3,272
	Total assets	$	183,946		$	173,978
	LIABILITIES AND SHAREHOLDERS' EQUITY
	Long-term debt		41,238			41,238
	Other liabilities		189			218
	Total liabilities		41,427			41,456
	Total shareholders' equity		142,519			132,522
	Total liabilities and shareholders' equity	$	183,946		$	173,978
CONDENSED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME	CONDENSED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME
		2014			2013			2012
	INCOME
	Dividends from subsidiaries	$	4,139		$	5,179		$	---
	Other		---			---			---
	Total income		4,139			5,179			---
	EXPENSE
	Interest expense		1,311			1,563			1,719
	Other expense		611			575			555
	Total expense		1,922			2,138			2,274
	Income (loss) before income tax and equity in undistributed earnings of subsidiaries		2,217			3,041			(2,274	)
	Equity in undistributed earnings of subsidiaries		7,592			5,770			35,338
	Income before income tax		9,809			8,811			33,064
	Income tax benefit		(664	)		(738	)		(2,426	)
	Net income	$	10,473		$	9,549		$	35,490
	Net income (loss) available to common shares	$	10,473		$	(8,026	)	$	35,490
	Comprehensive income	$	12,489		$	6,634		$	36,072
CONDENSED STATEMENTS OF CASH FLOWS	CONDENSED STATEMENTS OF CASH FLOWS
		2014			2013			2012
	Cash flows from operating activities
	Net income	$	10,473		$	9,549		$	35,490
	Adjustments to reconcile net income to net cash from operating activities:
	Equity in undistributed earnings of subsidiaries		(7,592	)		(5,770	)		(35,338	)
	Stock compensation expense		2			---			---
	Change in other assets		673			(740	)		(2,424	)
	Change in other liabilities		(29	)		(4,487	)		1,524
	Net cash from operating activities		3,527			(1,448	)		(748	)
	Cash flows from investing activities
	Investment in subsidiaries		---			---			---
	Net cash from investing activities		---			---			---
	Cash flows from investing activities
	Proceeds from issuance of common stock		4			---			---
	Cash dividends paid		(2,689	)		---			---
	Common stock issuance costs		(102	)		---			---
	Redemption of subordinated debt		---			(1,650	)		---
	Repurchases of shares		(106	)		(45	)		---
	Cash paid in preferred stock exchange		---			(4,734	)		---
	Net cash from financing activities		(2,893	)		(6,429	)		---
	Net change in cash and cash equivalents		634			(7,877	)		(748	)
	Cash and cash equivalents at beginning of year		1,910			9,787			10,535
	Cash and cash equivalents at end of year	$	2,544		$	1,910		$	9,787
	Supplemental noncash disclosures:
	Conversion of 300 shares of Preferred Series B to 50,000 shares of common stock	$	---		$	300		$	---
	Exchange of 31,290 shares of Preferred Series A to 5,973,519 shares of common stock		---			30,604			---
	Exchange of 2,300 shares of Preferred Series B to 457,159 shares of common stock		---			2,260			---

QUARTERLY_FINANCIAL_DATA_Unaud1

QUARTERLY FINANCIAL DATA (Unaudited) (Tables)	12 Months Ended
	Dec. 31, 2014
QUARTERLY FINANCIAL DATA (Unaudited) [Abstract]
Quarterly Financial Data	(Dollars in thousands except per share data)
											Earnings (Loss) Per Common Share
		Interest Income		Net Interest Income		Provision for Loan Losses			Net Income		Basic			Diluted
	2014
	First quarter	$	11,970	$	10,475	$	(1,000	)	$	2,639	$	0.08		$	0.08
	Second quarter		11,528		10,156		(1,000	)		2,755		0.08			0.08
	Third quarter		11,674		10,304		(750	)		2,762		0.08			0.08
	Fourth quarter		11,816		10,457		(600	)		2,317		0.07			0.07
	2013
	First quarter	$	12,433	$	10,483	$	(750	)	$	2,473	$	0.09		$	0.09
	Second quarter		12,307		10,464		(1,000	)		2,603		0.1			0.1
	Third quarter		11,919		10,124		(1,500	)		2,238		0.08			0.08
	Fourth quarter		11,961		10,212		(1,000	)		2,234		(0.56	)		(0.56	)

SUMMARY_OF_SIGNIFICANT_ACCOUNT2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
	Segment
	Branch
	InterestRateSwap
	Loan
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Number of full service branch offices	26
Cash Flow Reporting [Abstract]
Maturity days of short term securities included in cash and cash equivalent	90 days
Securities [Abstract]
OTTI charges	$0	$0	$0
Federal Home Loan Bank (FHLB) Stock [Abstract]
FHLB stock impaired	0	0	0
Loans Held-for-sale [Abstract]
Net unrealized gain on loans held for sale	62,000	42,000
Loans [Abstract]
Delinquent period after which interest income is discontinued on mortgage and commercial loans	90 days
Past due period to charge off consumer loans	120 days
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
Goodwill and Acquired Intangible Assets [Abstract]
Goodwill	0	0
Finite-Lived Intangible Assets [Line Items]
Acquired intangible	0	0
Mortgage Banking Derivatives [Abstract]
Net fair value of mortgage banking derivatives	-2,000	51,000
Derivatives [Abstract]
Number of freestanding interest rate swaps	2
Notional amount of agreements	20,000,000	20,000,000
Derivative asset fair value	140,000	94,000
Trading liability fair value	140,000	94,000
Restrictions on Cash [Abstract]
Cash on hand or on deposit with the Federal Reserve Bank	$5,016,000	$4,417,000
Stock Splits and Dividends [Abstract]
Stock dividends, excess of threshold (in hundredths)	20.00%
Stock dividend threshold or less (in hundredths)	20.00%
Segment Reporting [Abstract]
Number of operating segments	1
Minimum [Member]
Finite-Lived Intangible Assets [Line Items]
Estimated useful life of intangible assets	10 years
Maximum [Member]
Finite-Lived Intangible Assets [Line Items]
Estimated useful life of intangible assets	16 years
Building and Related Components [Member] | Minimum [Member]
Property, Plant and Equipment [Line Items]
Useful lives	5 years
Building and Related Components [Member] | Maximum [Member]
Property, Plant and Equipment [Line Items]
Useful lives	40 years
Furniture Fixture and Equipment [Member] | Minimum [Member]
Property, Plant and Equipment [Line Items]
Useful lives	3 years
Furniture Fixture and Equipment [Member] | Maximum [Member]
Property, Plant and Equipment [Line Items]
Useful lives	15 years
Commercial Real Estate [Member]
Concentration Risk [Line Items]
Concentration of credit risk (in hundredths)	44.00%
Commercial and Industrial [Member]
Concentration Risk [Line Items]
Concentration of credit risk (in hundredths)	29.00%
Residential Real Estate and Consumer Loans [Member]
Concentration Risk [Line Items]
Concentration of credit risk (in hundredths)	27.00%

SECURITIES_Details

SECURITIES (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Available for Sale [Abstract]
Amortized Cost	$161,781,000	$142,667,000
Gross Unrealized Gains	926,000	519,000
Gross Unrealized Losses	-833,000	-3,527,000
Fair Value	161,874,000	139,659,000
Securities in continuous unrealized losses position, Fair value [Abstract]
Less than 12 Months, Fair Value	51,415,000	98,058,000
12 Months or More, Fair Value	54,855,000	1,846,000
Total, Fair Value	106,270,000	99,904,000
Securities in continuous unrealized loss position, Aggregate losses [Abstract]
Less than 12 Months, Unrealized Losses	-341,000	-3,446,000
12 Months or More, Unrealized Losses	-713,000	-97,000
Total, Unrealized Loss	-1,054,000	-3,543,000
Available-for-Sale Securities, Amortized Cost [Abstract]
Due in one year or less	4,280,000
Due from one to five years	96,108,000
Due from five to ten years	37,532,000
Due after ten years	22,361,000
Total	160,281,000
Available-for-Sale Securities, Fair Value [Abstract]
Due in one year or less	4,295,000
Due from one to five years	96,112,000
Due from five to ten years	37,580,000
Due after ten years	22,385,000
Total	160,372,000
Proceeds from sale of available-for-sale securities	10,936,000	5,241,000	4,595,000
Gain on sales of securities	75,000	120,000	73,000
Reclassifications of net gains (net of tax)	49,000	78,000	47,000
Held to Maturity [Abstract]
Amortized Cost	31,585,000	19,248,000
Fair Value	31,428,000	19,278,000
Held-to-Maturity Securities, Amortized Cost [Abstract]
Due in one year or less	19,075,000
Due from one to five years	640,000
Due from five to ten years	11,610,000
Due after ten years	260,000
Amortized Cost	31,585,000	19,248,000
Held-to-Maturity Securities, Fair Value [Abstract]
Due in one year or less	19,044,000
Due from one to five years	638,000
Due from five to ten years	11,492,000
Due after ten years	254,000
Fair Value	31,428,000	19,278,000
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
Tax-Exempt State and Municipal Bonds [Member]
Held to Maturity [Abstract]
Amortized Cost	31,585,000	19,248,000
Gross Unrealized Gains	64,000	46,000
Gross Unrealized Losses	-221,000	-16,000
Fair Value	31,428,000	19,278,000
Held-to-Maturity Securities, Amortized Cost [Abstract]
Amortized Cost	31,585,000	19,248,000
Held-to-Maturity Securities, Fair Value [Abstract]
Fair Value	31,428,000	19,278,000
U.S. Treasury and Federal Agency Securities [Member]
Available for Sale [Abstract]
Amortized Cost	67,612,000	55,701,000
Gross Unrealized Gains	53,000	92,000
Gross Unrealized Losses	-501,000	-1,354,000
Fair Value	67,164,000	54,439,000
Securities in continuous unrealized losses position, Fair value [Abstract]
Less than 12 Months, Fair Value	16,426,000	43,212,000
12 Months or More, Fair Value	35,350,000	0
Total, Fair Value	51,776,000	43,212,000
Securities in continuous unrealized loss position, Aggregate losses [Abstract]
Less than 12 Months, Unrealized Losses	-45,000	-1,354,000
12 Months or More, Unrealized Losses	-456,000	0
Total, Unrealized Loss	-501,000	-1,354,000
U.S. Agency MBS and CMOs [Member]
Available for Sale [Abstract]
Amortized Cost	16,692,000	20,029,000
Gross Unrealized Gains	67,000	9,000
Gross Unrealized Losses	-71,000	-673,000
Fair Value	16,688,000	19,365,000
Securities in continuous unrealized losses position, Fair value [Abstract]
Less than 12 Months, Fair Value	0	18,494,000
12 Months or More, Fair Value	9,732,000	0
Total, Fair Value	9,732,000	18,494,000
Securities in continuous unrealized loss position, Aggregate losses [Abstract]
Less than 12 Months, Unrealized Losses	0	-673,000
12 Months or More, Unrealized Losses	-71,000	0
Total, Unrealized Loss	-71,000	-673,000
Tax-Exempt State and Municipal Bonds [Member]
Available for Sale [Abstract]
Amortized Cost	37,203,000	27,920,000
Gross Unrealized Gains	419,000	47,000
Gross Unrealized Losses	-161,000	-1,118,000
Fair Value	37,461,000	26,849,000
Securities in continuous unrealized losses position, Fair value [Abstract]
Less than 12 Months, Fair Value	26,820,000	21,359,000
12 Months or More, Fair Value	4,545,000	831,000
Total, Fair Value	31,365,000	22,190,000
Securities in continuous unrealized loss position, Aggregate losses [Abstract]
Less than 12 Months, Unrealized Losses	-264,000	-1,066,000
12 Months or More, Unrealized Losses	-118,000	-68,000
Total, Unrealized Loss	-382,000	-1,134,000
Taxable State and Municipal Bonds [Member]
Available for Sale [Abstract]
Amortized Cost	25,012,000	26,306,000
Gross Unrealized Gains	351,000	307,000
Gross Unrealized Losses	-70,000	-285,000
Fair Value	25,293,000	26,328,000
Securities in continuous unrealized losses position, Fair value [Abstract]
Less than 12 Months, Fair Value	3,982,000	9,599,000
12 Months or More, Fair Value	3,240,000	1,015,000
Total, Fair Value	7,222,000	10,614,000
Securities in continuous unrealized loss position, Aggregate losses [Abstract]
Less than 12 Months, Unrealized Losses	-19,000	-256,000
12 Months or More, Unrealized Losses	-51,000	-29,000
Total, Unrealized Loss	-70,000	-285,000
Corporate Bonds and Other Debt Securities [Member]
Available for Sale [Abstract]
Amortized Cost	13,762,000	11,211,000
Gross Unrealized Gains	34,000	64,000
Gross Unrealized Losses	-30,000	-63,000
Fair Value	13,766,000	11,212,000
Securities in continuous unrealized losses position, Fair value [Abstract]
Less than 12 Months, Fair Value	4,187,000	3,928,000
12 Months or More, Fair Value	1,988,000	0
Total, Fair Value	6,175,000	3,928,000
Securities in continuous unrealized loss position, Aggregate losses [Abstract]
Less than 12 Months, Unrealized Losses	-13,000	-63,000
12 Months or More, Unrealized Losses	-17,000	0
Total, Unrealized Loss	-30,000	-63,000
Other Equity Securities [Member]
Available for Sale [Abstract]
Amortized Cost	1,500,000	1,500,000
Gross Unrealized Gains	2,000	0
Gross Unrealized Losses	0	-34,000
Fair Value	1,502,000	1,466,000
Securities in continuous unrealized losses position, Fair value [Abstract]
Less than 12 Months, Fair Value	0	1,466,000
12 Months or More, Fair Value	0	0
Total, Fair Value	0	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	0	0
Total, Unrealized Loss	$0	($34,000)

LOANS_Details

LOANS (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Portfolio loans [Abstract]
Total loans	$1,118,483	$1,042,377
Allowance for loan losses	-18,962	-20,798
Net loans	1,099,521	1,021,579
Commercial and Industrial [Member]
Portfolio loans [Abstract]
Total loans	327,674	274,099
Commercial Real Estate [Member]
Portfolio loans [Abstract]
Total loans	490,531	472,340
Residential Developed [Member]
Portfolio loans [Abstract]
Total loans	12,771	18,130
Unsecured to Residential Developers [Member]
Portfolio loans [Abstract]
Total loans	7,496	7,315
Vacant and Unimproved [Member]
Portfolio loans [Abstract]
Total loans	50,372	42,988
Commercial Development [Member]
Portfolio loans [Abstract]
Total loans	4,082	2,434
Residential Improved [Member]
Portfolio loans [Abstract]
Total loans	69,612	76,294
Commercial Improved [Member]
Portfolio loans [Abstract]
Total loans	269,757	247,195
Manufacturing and Industrial [Member]
Portfolio loans [Abstract]
Total loans	76,441	77,984
Consumer [Member]
Portfolio loans [Abstract]
Total loans	300,278	295,938
Residential Mortgage [Member]
Portfolio loans [Abstract]
Total loans	190,249	188,648
Unsecured [Member]
Portfolio loans [Abstract]
Total loans	948	1,337
Home Equity [Member]
Portfolio loans [Abstract]
Total loans	98,887	95,961
Other Secured [Member]
Portfolio loans [Abstract]
Total loans	$10,194	$9,992

LOANS_Allowance_for_Loans_Loss

LOANS, Allowance for Loans Losses by Portfolio (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Allowance for loan losses by portfolio [Roll Forward]
Beginning balance	$20,798	$23,739	$31,641
Charge-offs	-676	-2,204	-7,496
Recoveries	2,190	3,513	6,694
Provision for loan losses	-3,350	-4,250	-7,100
Ending balance	18,962	20,798	23,739
Commercial and Industrial [Member]
Allowance for loan losses by portfolio [Roll Forward]
Beginning balance	6,174	6,459	6,313
Charge-offs	-43	-317	-1,245
Recoveries	522	1,134	547
Provision for loan losses	-480	-1,102	844
Ending balance	6,173	6,174	6,459
Commercial Real Estate [Member]
Allowance for loan losses by portfolio [Roll Forward]
Beginning balance	10,868	13,457	20,475
Charge-offs	-134	-1,065	-3,206
Recoveries	1,481	2,141	5,840
Provision for loan losses	-3,525	-3,665	-9,652
Ending balance	8,690	10,868	13,457
Consumer [Member]
Allowance for loan losses by portfolio [Roll Forward]
Beginning balance	3,703	3,787	4,821
Charge-offs	-499	-822	-3,045
Recoveries	187	238	307
Provision for loan losses	655	500	1,704
Ending balance	4,046	3,703	3,787
Unallocated [Member]
Allowance for loan losses by portfolio [Roll Forward]
Beginning balance	53	36	32
Charge-offs	0	0	0
Recoveries	0	0	0
Provision for loan losses	0	17	4
Ending balance	$53	$53	$36

LOANS_Allowance_for_Loans_Loss1

LOANS, Allowance for Loans Losses (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
In Thousands, unless otherwise specified
Ending allowance attributable to loans [Abstract]
Individually reviewed for impairment	$4,065	$3,870
Collectively evaluated for impairment	14,897	16,928
Total ending allowance balance	18,962	20,798	23,739	31,641
Loans [Abstract]
Individually reviewed for impairment	53,397	68,923
Collectively evaluated for impairment	1,065,086	973,454
Total ending loans balance	1,118,483	1,042,377
Commercial and Industrial [Member]
Ending allowance attributable to loans [Abstract]
Individually reviewed for impairment	2,429	1,981
Collectively evaluated for impairment	3,744	4,193
Total ending allowance balance	6,173	6,174	6,459	6,313
Loans [Abstract]
Individually reviewed for impairment	9,084	13,155
Collectively evaluated for impairment	318,590	260,944
Total ending loans balance	327,674	274,099
Commercial Real Estate [Member]
Ending allowance attributable to loans [Abstract]
Individually reviewed for impairment	743	1,008
Collectively evaluated for impairment	7,947	9,860
Total ending allowance balance	8,690	10,868	13,457	20,475
Loans [Abstract]
Individually reviewed for impairment	29,818	41,285
Collectively evaluated for impairment	460,713	431,055
Total ending loans balance	490,531	472,340
Consumer [Member]
Ending allowance attributable to loans [Abstract]
Individually reviewed for impairment	893	881
Collectively evaluated for impairment	3,153	2,822
Total ending allowance balance	4,046	3,703	3,787	4,821
Loans [Abstract]
Individually reviewed for impairment	14,495	14,483
Collectively evaluated for impairment	285,783	281,455
Total ending loans balance	300,278	295,938
Unallocated [Member]
Ending allowance attributable to loans [Abstract]
Individually reviewed for impairment	0	0
Collectively evaluated for impairment	53	53
Total ending allowance balance	53	53	36	32
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 $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
With no related allowance recorded [Abstract]
With no allowance, unpaid principal balance	$4,634	$13,467
With no allowance, recorded investment	4,634	12,006
With related allowance recorded [Abstract]
With related allowance, unpaid principal balance	48,942	56,917
With related allowance, recorded investment	48,763	56,917
Allowance allocated	4,065	3,870
Total impaired, unpaid principal balance	53,576	70,384
Total impaired, recorded investment, Total	53,397	68,923
Commercial and Industrial [Member]
With no related allowance recorded [Abstract]
With no allowance, unpaid principal balance	3,019	3,287
With no allowance, recorded investment	3,019	3,284
With related allowance recorded [Abstract]
With related allowance, unpaid principal balance	6,065	9,871
With related allowance, recorded investment	6,065	9,871
Allowance allocated	2,429	1,981
Impaired loans [Abstract]
Average of impaired loans	11,818	14,333	14,928
Interest income recognized during impairment	1,108	1,278	1,291
Cash-basis interest income recognized	1,107	1,273	1,295
Commercial Real Estate [Member]
With no related allowance recorded [Abstract]
With no allowance, unpaid principal balance	1,615	10,180
With no allowance, recorded investment	1,615	8,722
With related allowance recorded [Abstract]
With related allowance, unpaid principal balance	28,203	32,563
With related allowance, recorded investment	28,203	32,563
Allowance allocated	743	1,008
Impaired loans [Abstract]
Interest income recognized during impairment	1,527	1,974	2,736
Cash-basis interest income recognized	1,547	1,971	2,740
Residential Developed [Member]
With no related allowance recorded [Abstract]
With no allowance, unpaid principal balance	531	5,273
With no allowance, recorded investment	531	4,340
With related allowance recorded [Abstract]
With related allowance, unpaid principal balance	550	618
With related allowance, recorded investment	550	618
Allowance allocated	35	33
Impaired loans [Abstract]
Average of impaired loans	3,628	6,357	8,162
Unsecured to Residential Developers [Member]
With no related allowance recorded [Abstract]
With no allowance, unpaid principal balance	0	0
With no allowance, recorded investment	0	0
With related allowance recorded [Abstract]
With related allowance, unpaid principal balance	0	0
With related allowance, recorded investment	0	0
Allowance allocated	0	0
Impaired loans [Abstract]
Average of impaired loans	0	0	0
Vacant and Unimproved [Member]
With no related allowance recorded [Abstract]
With no allowance, unpaid principal balance	0	3
With no allowance, recorded investment	0	3
With related allowance recorded [Abstract]
With related allowance, unpaid principal balance	1,499	1,900
With related allowance, recorded investment	1,499	1,900
Allowance allocated	43	47
Impaired loans [Abstract]
Average of impaired loans	1,646	2,804	3,851
Commercial Development [Member]
With no related allowance recorded [Abstract]
With no allowance, unpaid principal balance	0	362
With no allowance, recorded investment	0	362
With related allowance recorded [Abstract]
With related allowance, unpaid principal balance	199	207
With related allowance, recorded investment	199	207
Allowance allocated	5	5
Impaired loans [Abstract]
Average of impaired loans	451	398	216
Residential Improved [Member]
With no related allowance recorded [Abstract]
With no allowance, unpaid principal balance	547	1,493
With no allowance, recorded investment	547	1,493
With related allowance recorded [Abstract]
With related allowance, unpaid principal balance	7,323	9,534
With related allowance, recorded investment	7,323	9,534
Allowance allocated	240	342
Impaired loans [Abstract]
Average of impaired loans	9,309	11,549	13,192
Commercial Improved [Member]
With no related allowance recorded [Abstract]
With no allowance, unpaid principal balance	331	2,797
With no allowance, recorded investment	331	2,272
With related allowance recorded [Abstract]
With related allowance, unpaid principal balance	16,113	14,450
With related allowance, recorded investment	16,113	14,450
Allowance allocated	389	479
Impaired loans [Abstract]
Average of impaired loans	17,853	20,191	17,975
Manufacturing and Industrial [Member]
With no related allowance recorded [Abstract]
With no allowance, unpaid principal balance	206	252
With no allowance, recorded investment	206	252
With related allowance recorded [Abstract]
With related allowance, unpaid principal balance	2,519	5,854
With related allowance, recorded investment	2,519	5,854
Allowance allocated	31	102
Impaired loans [Abstract]
Average of impaired loans	5,630	6,305	9,125
Consumer Loan [Member]
With no related allowance recorded [Abstract]
With no allowance, unpaid principal balance	0	0
With no allowance, recorded investment	0	0
With related allowance recorded [Abstract]
With related allowance, unpaid principal balance	14,674	14,483
With related allowance, recorded investment	14,495	14,483
Allowance allocated	893	881
Impaired loans [Abstract]
Average of impaired loans	14,476	14,532	15,857
Interest income recognized during impairment	541	537	538
Cash-basis interest income recognized	541	532	550
Residential Mortgage [Member]
With no related allowance recorded [Abstract]
With no allowance, unpaid principal balance	0	0
With no allowance, recorded investment	0	0
With related allowance recorded [Abstract]
With related allowance, unpaid principal balance	9,492	9,454
With related allowance, recorded investment	9,484	9,454
Allowance allocated	584	575
Unsecured [Member]
With no related allowance recorded [Abstract]
With no allowance, unpaid principal balance	0	0
With no allowance, recorded investment	0	0
With related allowance recorded [Abstract]
With related allowance, unpaid principal balance	0	0
With related allowance, recorded investment	0	0
Allowance allocated	0	0
Home Equity [Member]
With no related allowance recorded [Abstract]
With no allowance, unpaid principal balance	0	0
With no allowance, recorded investment	0	0
With related allowance recorded [Abstract]
With related allowance, unpaid principal balance	5,182	5,029
With related allowance, recorded investment	5,011	5,029
Allowance allocated	309	306
Other Secured [Member]
With no related allowance recorded [Abstract]
With no allowance, unpaid principal balance	0	0
With no allowance, recorded investment	0	0
With related allowance recorded [Abstract]
With related allowance, unpaid principal balance	0	0
With related allowance, recorded investment	0	0
Allowance allocated	$0	$0

LOANS_Past_Due_Loans_Details

LOANS, Past Due Loans (Details) (USD $)	9 Months Ended	12 Months Ended
	Sep. 30, 2014	Dec. 31, 2014	Dec. 31, 2013
		Payment	Payment
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual		$8,292,000	$12,182,000
Over 90 days Accruing		134,000	153,000
Aging of recorded investment in past due loans by class of loans [Abstract]
30 to 90 days past due		671,000	1,095,000
Greater than 90 days		2,170,000	4,425,000
Total past due		2,841,000	5,520,000
Loans not past due		1,115,642,000	1,036,857,000
Total ending loans balance		1,118,483,000	1,042,377,000
Specific reserves allocated to customers with modified term loans in troubled debt restructurings		4,065,000	3,870,000
Number of consecutive payment before nonaccrual restructured loan is upgraded		6	6
Number of months of performance before a loan is removed from TDR		6 months	6 months
Reduction in loans designated as TDR and impaired	5,900,000
Commercial and Industrial [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual		5,605,000	5,625,000
Over 90 days Accruing		0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
30 to 90 days past due		54,000	0
Greater than 90 days		0	0
Total past due		54,000	0
Loans not past due		327,620,000	274,099,000
Total ending loans balance		327,674,000	274,099,000
Commercial Real Estate [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual		1,906,000	5,553,000
Over 90 days Accruing		117,000	153,000
Aging of recorded investment in past due loans by class of loans [Abstract]
30 to 90 days past due		200,000	679,000
Greater than 90 days		1,427,000	4,425,000
Total past due		1,627,000	5,104,000
Loans not past due		488,904,000	467,236,000
Total ending loans balance		490,531,000	472,340,000
Residential Developed [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual		245,000	2,590,000
Over 90 days Accruing		0	153,000
Aging of recorded investment in past due loans by class of loans [Abstract]
30 to 90 days past due		0	143,000
Greater than 90 days		0	2,296,000
Total past due		0	2,439,000
Loans not past due		12,771,000	15,691,000
Total ending loans balance		12,771,000	18,130,000
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 to 90 days past due		0	0
Greater than 90 days		0	0
Total past due		0	0
Loans not past due		7,496,000	7,315,000
Total ending loans balance		7,496,000	7,315,000
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 to 90 days past due		100,000	0
Greater than 90 days		0	0
Total past due		100,000	0
Loans not past due		50,272,000	42,988,000
Total ending loans balance		50,372,000	42,988,000
Commercial Development [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual		29,000	23,000
Over 90 days Accruing		0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
30 to 90 days past due		0	0
Greater than 90 days		29,000	23,000
Total past due		29,000	23,000
Loans not past due		4,053,000	2,411,000
Total ending loans balance		4,082,000	2,434,000
Residential Improved [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual		766,000	429,000
Over 90 days Accruing		0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
30 to 90 days past due		100,000	98,000
Greater than 90 days		440,000	50,000
Total past due		540,000	148,000
Loans not past due		69,072,000	76,146,000
Total ending loans balance		69,612,000	76,294,000
Commercial Improved [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual		866,000	2,511,000
Over 90 days Accruing		117,000	0
Aging of recorded investment in past due loans by class of loans [Abstract]
30 to 90 days past due		0	438,000
Greater than 90 days		958,000	2,056,000
Total past due		958,000	2,494,000
Loans not past due		268,799,000	244,701,000
Total ending loans balance		269,757,000	247,195,000
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 to 90 days past due		0	0
Greater than 90 days		0	0
Total past due		0	0
Loans not past due		76,441,000	77,984,000
Total ending loans balance		76,441,000	77,984,000
Consumer Loan [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual		781,000	1,004,000
Over 90 days Accruing		17,000	0
Aging of recorded investment in past due loans by class of loans [Abstract]
30 to 90 days past due		417,000	416,000
Greater than 90 days		743,000	0
Total past due		1,160,000	416,000
Loans not past due		299,118,000	295,522,000
Total ending loans balance		300,278,000	295,938,000
Residential Mortgage [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual		305,000	639,000
Over 90 days Accruing		0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
30 to 90 days past due		338,000	78,000
Greater than 90 days		303,000	0
Total past due		641,000	78,000
Loans not past due		189,608,000	188,570,000
Total ending loans balance		190,249,000	188,648,000
Unsecured [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual		40,000	33,000
Over 90 days Accruing		0	0
Aging of recorded investment in past due loans by class of loans [Abstract]
30 to 90 days past due		0	9,000
Greater than 90 days		18,000	0
Total past due		18,000	9,000
Loans not past due		930,000	1,328,000
Total ending loans balance		948,000	1,337,000
Home Equity [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual		436,000	332,000
Over 90 days Accruing		17,000	0
Aging of recorded investment in past due loans by class of loans [Abstract]
30 to 90 days past due		79,000	317,000
Greater than 90 days		422,000	0
Total past due		501,000	317,000
Loans not past due		98,386,000	95,644,000
Total ending loans balance		98,887,000	95,961,000
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 to 90 days past due		0	12,000
Greater than 90 days		0	0
Total past due		0	12,000
Loans not past due		10,194,000	9,980,000
Total ending loans balance		$10,194,000	$9,992,000

LOANS_Troubled_Debt_Restructur

LOANS, Troubled Debt Restructuring (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
	Loan	Loan	Loan
Troubled debt restructurings [Abstract]
Number of Loans	226	271
Outstanding Recorded Balance	$53,397	$68,092
Accruing troubled debt restructurings [Abstract]
Accruing TDR - nonaccrual at restructuring	0	0	1,135	605
Accruing TDR - accruing at restructuring	46,197	57,790	61,545	51,532
Accruing TDR - upgraded to accruing after six consecutive payments	0	0	2,344	3,542
Total	46,197	57,790	65,024	55,679
Troubled debt restructurings executed during current period [Abstract]
Number of loans	51	54	78
Pre-Modification Outstanding Recorded Balance	5,828	11,216	18,393
Principal Write-down Upon Modification	0	0	602
Commercial and Industrial [Member]
Troubled debt restructurings [Abstract]
Number of Loans	36	43
Outstanding Recorded Balance	9,085	7,787
Troubled debt restructurings executed during current period [Abstract]
Number of loans	1	5	16
Pre-Modification Outstanding Recorded Balance	61	1,085	1,462
Principal Write-down Upon Modification	0	0	9
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	3
Outstanding Recorded Balance	0	0	112
Commercial Real Estate [Member]
Troubled debt restructurings [Abstract]
Number of Loans	84	122
Outstanding Recorded Balance	29,817	45,774
Troubled debt restructurings executed during current period [Abstract]
Number of loans	11	13	52
Pre-Modification Outstanding Recorded Balance	4,345	4,298	15,413
Principal Write-down Upon Modification	0	0	332
Loans that became delinquent more than 90 days past due or transferred to nonaccrual within 12 months of restructuring [Abstract]
Number of Loans	1	1	2
Outstanding Recorded Balance	131	1,350	225
Consumer [Member]
Troubled debt restructurings [Abstract]
Number of Loans	106	106
Outstanding Recorded Balance	14,495	14,531
Troubled debt restructurings executed during current period [Abstract]
Number of loans	39	36	10
Pre-Modification Outstanding Recorded Balance	1,422	5,833	1,518
Principal Write-down Upon Modification	0	0	261
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	2
Outstanding Recorded Balance	$0	$0	$184

LOANS_Credit_Quality_Indicator

LOANS, Credit Quality Indicators (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 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	$16,304	$27,652
Not Classified as Impaired [Member]
Loans classified as substandard or worse [Abstract]
Loans classified as substandard or worse	4,220	7,400
Classified as Impaired [Member]
Loans classified as substandard or worse [Abstract]
Loans classified as substandard or worse	12,084	20,252
Excellent [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	343	509
Above Average [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	17,180	23,638
Good Quality [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	238,208	179,865
Acceptable Risk [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	494,080	444,001
Marginally Acceptable [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	52,090	70,774
Substandard [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	8,793	16,474
Doubtful [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	7,511	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	343	509
Commercial and Industrial [Member] | Above Average [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	11,177	15,836
Commercial and Industrial [Member] | Good Quality [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	118,382	81,577
Commercial and Industrial [Member] | Acceptable Risk [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	182,651	155,680
Commercial and Industrial [Member] | Marginally Acceptable [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	8,448	13,513
Commercial and Industrial [Member] | Substandard [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	1,068	1,359
Commercial and Industrial [Member] | Doubtful [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	5,605	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	2,491	2,039
Residential Developed [Member] | Acceptable Risk [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	4,702	5,653
Residential Developed [Member] | Marginally Acceptable [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	4,491	5,232
Residential Developed [Member] | Substandard [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	842	2,616
Residential Developed [Member] | Doubtful [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	245	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	7,496	7,309
Unsecured to Residential Developers [Member] | Marginally Acceptable [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	0	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	12,105	11,191
Vacant and Unimproved [Member] | Acceptable Risk [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	30,997	24,638
Vacant and Unimproved [Member] | Marginally Acceptable [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	7,241	6,761
Vacant and Unimproved [Member] | Substandard [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	29	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	3,643	1,673
Commercial Development [Member] | Marginally Acceptable [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	211	532
Commercial Development [Member] | Substandard [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	199	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	103	109
Residential Improved [Member] | Good Quality [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	16,291	15,121
Residential Improved [Member] | Acceptable Risk [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	43,928	45,018
Residential Improved [Member] | Marginally Acceptable [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	6,428	9,391
Residential Improved [Member] | Substandard [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	2,096	6,226
Residential Improved [Member] | Doubtful [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	766	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	4,392	7,382
Commercial Improved [Member] | Good Quality [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	61,543	45,391
Commercial Improved [Member] | Acceptable Risk [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	178,169	161,897
Commercial Improved [Member] | Marginally Acceptable [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	20,558	24,937
Commercial Improved [Member] | Substandard [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	4,229	5,075
Commercial Improved [Member] | Doubtful [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	866	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	1,508	311
Manufacturing and Industrial [Member] | Good Quality [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	27,396	24,546
Manufacturing and Industrial [Member] | Acceptable Risk [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	42,494	42,133
Manufacturing and Industrial [Member] | Marginally Acceptable [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	4,713	10,402
Manufacturing and Industrial [Member] | Substandard [Member]
Risk grade category of commercial loans by class of loans [Abstract]
Total loans	330	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	190,249	188,648
Residential Mortgage [Member] | Performing [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Recorded investment in consumer loans	189,946	188,648
Residential Mortgage [Member] | Nonperforming [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Recorded investment in consumer loans	303	0
Unsecured [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Recorded investment in consumer loans	948	1,337
Unsecured [Member] | Performing [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Recorded investment in consumer loans	930	1,337
Unsecured [Member] | Nonperforming [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Recorded investment in consumer loans	18	0
Home Equity [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Recorded investment in consumer loans	98,887	95,961
Home Equity [Member] | Performing [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Recorded investment in consumer loans	98,465	95,961
Home Equity [Member] | Nonperforming [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Recorded investment in consumer loans	422	0
Other Secured [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Recorded investment in consumer loans	10,194	9,992
Other Secured [Member] | Performing [Member]
Recorded investment in consumer loans based on payment activity [Abstract]
Recorded investment in consumer loans	10,194	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 $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Period-end other real estate owned [Roll Forward]
Beginning balance	$53,501	$69,743	$83,663
Additions, transfers from loans	4,932	3,539	9,168
Proceeds from sales of other real estate owned	-12,487	-16,501	-18,729
Valuation allowance reversal upon sale	-3,499	-4,378	-4,300
Gain (loss) on sale of other real estate owned	624	1,098	-59
Other real estate owned, gross	43,071	53,501	69,743
Less: valuation allowance	-14,829	-16,705	-18,161
Ending balance	28,242	36,796	51,582
Activity in valuation allowance [Roll Forward]
Beginning balance	16,705	18,161	17,225
Additions charged to expense	1,623	2,922	5,236
Reversals upon sale	-3,499	-4,378	-4,300
Ending balance	$14,829	$16,705	$18,161

FAIR_VALUE_Details

FAIR VALUE (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Capitalization rate (in hundredths)		9.50%
Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Capitalization rate (in hundredths)		12.00%
Income Approach [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Capitalization rate (in hundredths)	9.50%	9.50%
Income Approach [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Capitalization rate (in hundredths)	12.00%	12.00%
Impaired Loans [Member] | Sales Comparison Approach [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Asset (liability) fair value	12,649	22,403
Impaired Loans [Member] | Sales Comparison Approach [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment for differences between comparable sales (in hundredths)	1.00%	2.00%
Impaired Loans [Member] | Sales Comparison Approach [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment for differences between comparable sales (in hundredths)	20.00%	23.00%
Other Real Estate Owned [Member] | Sales Comparison Approach [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Asset (liability) fair value	22,472	29,711
Other Real Estate Owned [Member] | Sales Comparison Approach [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment for differences between comparable sales (in hundredths)	3.00%	1.00%
Other Real Estate Owned [Member] | Sales Comparison Approach [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment for differences between comparable sales (in hundredths)	22.70%	17.00%
Recurring Basis [Member]
Asset measured at fair value on recurring basis [Abstract]
U.S. Treasury and federal agency securities	67,164	54,439
U.S. Agency MBS and CMOs	16,688	19,365
Tax-exempt state and municipal bonds	37,461	26,849
Taxable state and municipal bonds	25,293	26,328
Corporate bonds and other debt securities	13,766	11,212
Other equity securities	1,502	1,466
Loans held for sale	2,347	1,915
Interest rate swaps	140	94
Interest rate swaps	-140	-94
Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Asset measured at fair value on recurring basis [Abstract]
U.S. Treasury and federal agency securities	0	0
U.S. Agency MBS and CMOs	0	0
Tax-exempt state and municipal bonds	0	0
Taxable state and municipal bonds	0	0
Corporate bonds and other debt securities	0	0
Other equity securities	0	0
Loans held for sale	0	0
Interest rate swaps	0	0
Interest rate swaps	0	0
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member]
Asset measured at fair value on recurring basis [Abstract]
U.S. Treasury and federal agency securities	67,164	54,439
U.S. Agency MBS and CMOs	16,688	19,365
Tax-exempt state and municipal bonds	37,461	26,849
Taxable state and municipal bonds	25,293	26,328
Corporate bonds and other debt securities	13,766	11,212
Other equity securities	1,502	1,466
Loans held for sale	2,347	1,915
Interest rate swaps	0	0
Interest rate swaps	0	0
Recurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member]
Asset measured at fair value on recurring basis [Abstract]
U.S. Treasury and federal agency securities	0	0
U.S. Agency MBS and CMOs	0	0
Tax-exempt state and municipal bonds	0	0
Taxable state and municipal bonds	0	0
Corporate bonds and other debt securities	0	0
Other equity securities	0	0
Loans held for sale	0	0
Interest rate swaps	140	94
Interest rate swaps	-140	-94
Nonrecurring Basis [Member]
Asset measured at fair value on non-recurring basis [Abstract]
Impaired loans	12,649	22,403
Other real estate owned	22,472	29,711
Nonrecurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Asset measured at fair value on non-recurring basis [Abstract]
Impaired loans	0	0
Other real estate owned	0	0
Nonrecurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member]
Asset measured at fair value on non-recurring basis [Abstract]
Impaired loans	0	0
Other real estate owned	0	0
Nonrecurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member]
Asset measured at fair value on non-recurring basis [Abstract]
Impaired loans	12,649	22,403
Other real estate owned	22,472	29,711

FAIR_VALUE_Balance_Sheet_Group

FAIR VALUE, Balance Sheet Grouping (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Financial assets [Abstract]
Cash and due from banks	$31,503	$38,714
Securities held to maturity	31,428	19,278
Bank-owned life insurance	28,195	27,517
Carrying Amount [Member]
Financial assets [Abstract]
FHLB stock	11,238	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	31,503	38,714
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Fair Value [Member]
Financial assets [Abstract]
Cash and due from banks	31,503	38,714
Significant Other Observable Inputs (Level 2) [Member] | Carrying Amount [Member]
Financial assets [Abstract]
Cash equivalents	97,952	118,178
Interest-bearing time deposits in other financial institutions	20,000	25,000
Securities held to maturity	31,585	19,248
Loans, net	1,086,872	999,176
Accrued interest receivable	3,399	3,231
Financial liabilities [Abstract]
Deposits	-1,306,325	-1,249,734
Other borrowed funds	-88,107	-89,991
Long-term debt	-41,238	-41,238
Accrued interest payable	-289	-308
Significant Other Observable Inputs (Level 2) [Member] | Fair Value [Member]
Financial assets [Abstract]
Cash equivalents	97,952	118,178
Interest-bearing time deposits in other financial institutions	20,062	25,003
Securities held to maturity	31,428	19,278
Loans, net	1,082,675	990,084
Accrued interest receivable	3,399	3,231
Financial liabilities [Abstract]
Deposits	-1,306,671	-1,250,886
Other borrowed funds	-89,066	-90,321
Long-term debt	-35,396	-35,098
Accrued interest payable	-289	-308
Significant Unobservable Inputs (Level 3) [Member] | Carrying Amount [Member]
Financial assets [Abstract]
Bank-owned life insurance	28,195	27,517
Significant Unobservable Inputs (Level 3) [Member] | Fair Value [Member]
Financial assets [Abstract]
Bank-owned life insurance	$28,195	$27,517

PREMISES_AND_EQUIPMENT_NET_Det

PREMISES AND EQUIPMENT - NET (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Property, Plant and Equipment, Net, by Type [Abstract]
Premises and equipment, Gross	$81,213,000	$82,954,000
Less accumulated depreciation	-28,319,000	-29,313,000
Premises and equipment, net, Total	52,894,000	53,641,000
Depreciation expense	2,513,000	2,342,000	2,400,000
Total rental expense for all operating leases	436,000	354,000	460,000
Future minimum rental expense under noncancelable leases [Abstract]
2015	240,000
2016	230,000
2017	230,000
2018	230,000
2019	230,000
Thereafter	127,000
Total future payments	1,287,000
Land [Member]
Property, Plant and Equipment, Net, by Type [Abstract]
Premises and equipment, Gross	18,227,000	18,236,000
Building [Member]
Property, Plant and Equipment, Net, by Type [Abstract]
Premises and equipment, Gross	43,426,000	42,530,000
Leasehold Improvements [Member]
Property, Plant and Equipment, Net, by Type [Abstract]
Premises and equipment, Gross	779,000	779,000
Furniture and Equipment [Member]
Property, Plant and Equipment, Net, by Type [Abstract]
Premises and equipment, Gross	18,368,000	20,344,000
Construction in Progress [Member]
Property, Plant and Equipment, Net, by Type [Abstract]
Premises and equipment, Gross	$413,000	$1,065,000

DEPOSITS_Details

DEPOSITS (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
Summary of deposit [Abstract]
Noninterest-bearing demand	$404,143,000	$344,550,000
Interest bearing demand	340,053,000	287,417,000
Savings and money market accounts	442,246,000	469,542,000
Certificates of deposit	119,883,000	148,225,000
Total deposits	1,306,325,000	1,249,734,000
Maturities distribution of time deposits [Abstract]
2015	85,486,000
2016	22,023,000
2017	7,016,000
2018	2,736,000
2019	2,622,000
Thereafter	0
Total certificate of deposit	119,883,000
Certificate of deposits, $100,000 or more denominations	50,100,000	56,700,000
Denominations amount of certificates of deposit	$100,000	$100,000

OTHER_BORROWED_FUNDS_Details

OTHER BORROWED FUNDS (Details) (USD $)	3 Months Ended
	Jun. 30, 2013	Dec. 31, 2014	Dec. 31, 2013
	Loan
Advances from Federal Home Loan Bank [Abstract]
Advance amount		$88,107,000	$89,991,000
Residential and commercial real estate loans pledged as collateral for Federal Home Loan Bank advances		441,252,000	411,715,000
Number of existing FHLB advances modified	6
Amount of modified FHLB advances	60,000,000
Weighted average maturity before modification of advances	3 years 2 months 19 days
Weighted average maturity after modification of advances	4 years 10 months 10 days
Weighted average interest rate before modification (in hundredths)	1.95%
Weighted average interest rate after modification (in hundredths)	1.94%
Scheduled repayments of FHLB advances [Abstract]
2015		1,938,000
2016		21,996,000
2017		2,055,000
2018		52,118,000
2019		10,000,000
Thereafter		0
Total		88,107,000	89,991,000
Federal Reserve Bank borrowings [Abstract]
Unused borrowing capacity to Federal Reserve Bank		22,800,000	22,700,000
Commercial and mortgage loans pledged to the Federal Reserve Bank		25,900,000	26,600,000
Single Maturity Fixed Rate Advances [Member]
Advances from Federal Home Loan Bank [Abstract]
Advance amount		80,000,000	80,000,000
Range of maturities, earliest		2016	2016
Range of maturities, last		2019	2019
Weighted average interest rate (in hundredths)		1.69%	1.69%
Scheduled repayments of FHLB advances [Abstract]
Total		80,000,000	80,000,000
Amortizable Mortgage Advances [Member]
Advances from Federal Home Loan Bank [Abstract]
Advance amount		8,107,000	9,991,000
Range of maturities, earliest		2018	2018
Range of maturities, last		2018	2018
Weighted average interest rate (in hundredths)		3.78%	3.78%
Scheduled repayments of FHLB advances [Abstract]
Total		$8,107,000	$9,991,000

LONGTERM_DEBT_Details

LONG-TERM DEBT (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
	Payment
Debt Instrument [Line Items]
Aggregate liquidation amount of pooled trust preferred securities	$40,000,000
Issuance date	21-Apr-11
Proceeds from debenture issued	41,238,000
Number of interest deferrals on consecutive quarterly payments	20
Long-term debt	41,238,000	41,238,000
Other assets	2,831,000	4,491,000
Preferred Securities issued qualified as Tier 1 capital for regulatory capital purposes	97,420,000	88,915,000
Preferred Securities [Member]
Debt Instrument [Line Items]
Preferred Securities issued qualified as Tier 1 capital for regulatory capital purposes	40,000,000	40,000,000
Common Securities [Member]
Debt Instrument [Line Items]
Other assets	1,238,000	1,238,000
Macatawa Statutory Trust I [Member]
Debt Instrument [Line Items]
Basis spread on three-month LIBOR (in hundredths)	3.05%
Description of Variable Rate Basis	LIBOR
Accrued and unpaid interest included in accrued expenses and other liabilities	3,000,000
Macatawa Statutory Trust I [Member] | Preferred Securities [Member]
Debt Instrument [Line Items]
Aggregate liquidation amount of pooled trust preferred securities	20,000,000
Macatawa Statutory Trust I [Member] | Common Securities [Member]
Debt Instrument [Line Items]
Aggregate liquidation amount of pooled trust preferred securities	619,000
Macatawa Statutory Trust II [Member]
Debt Instrument [Line Items]
Basis spread on three-month LIBOR (in hundredths)	2.75%
Description of Variable Rate Basis	LIBOR
Accrued and unpaid interest included in accrued expenses and other liabilities	2,700,000
Macatawa Statutory Trust II [Member] | Preferred Securities [Member]
Debt Instrument [Line Items]
Aggregate liquidation amount of pooled trust preferred securities	20,000,000
Macatawa Statutory Trust II [Member] | Common Securities [Member]
Debt Instrument [Line Items]
Aggregate liquidation amount of pooled trust preferred securities	$619,000

RELATED_PARTY_TRANSACTIONS_Det

RELATED PARTY TRANSACTIONS (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Loans to principal officers, directors, and their affiliates [Roll Forward]
Beginning balance	$3,462,000	$5,645,000
New loans and renewals	21,594,000	10,704,000
Repayments and renewals	-14,979,000	-12,887,000
Effect of changes in related parties	0	0
Ending balance	10,077,000	3,462,000
Principal Officers, Directors, and Affiliates [Member]
Loans to principal officers, directors, and their affiliates [Roll Forward]
Deposits from principal officers, directors, and their affiliates	$80,300,000	$113,800,000

STOCKBASED_COMPENSATION_Detail

STOCK-BASED COMPENSATION (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares permitted under the plan (in shares)	210,000
Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Contractual term	10 years
Option granted (in shares)	0	0	0
Summary of option activity in the plans [Roll Forward]
Beginning Balance (in shares)	355,328
Forfeited (in shares)	-330
Expired (in shares)	-94,737
Ending Balance (in shares)	260,261	355,328
Exercisable, Number (in shares)	260,261
Weighted Average Exercise Price [Roll Forward]
Outstanding beginning balance (in dollars per share)	$17.65
Forfeited (in dollars per share)	$22.77
Expired (in dollars per share)	$15.09
Outstanding ending balance (in dollars per share)	$18.57	$17.65
Exercisable, Weighted Average Exercise Price (in dollars per share)	$18.57
Options outstanding, Weighted Average Remaining Contractual Term	1 year 6 months 14 days
Exercisable, Weighted Average Remaining Contractual Term	1 year 6 months 14 days
Options outstanding, Intrinsic Value	$0
Exercisable, Intrinsic Value	0
Information related to stock options during each year [Abstract]
Intrinsic value of options exercised	0	0	0
Cash received from option exercises	0	0	0
Tax benefit realized from option exercises	0	0	0
Share-based compensation cost	0	0	0
Aggregate Intrinsic Value [Roll Forward]
Unrecognized cost related to nonvested stock options granted	0
Stock Options [Member] | Minimum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	1 year
Stock Options [Member] | Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	3 years
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	3 years
Information related to stock options during each year [Abstract]
Share-based compensation cost	338,000	160,000	9,000
Changes in nonvested stock awards, Number of Shares [Roll Forward]
Outstanding, beginning balance (in shares)	206,171
Granted (in shares)	98,500
Vested (in shares)	-74,325
Forfeited (in shares)	-12,667
Outstanding ending balance (in shares)	217,679	206,171
Weighted-Average Grant-Date Fair Value [Roll Forward]
Outstanding beginning balance (in dollars per share)	$4.28
Granted (in dollars per share)	$5.12
Vested (in dollars per share)	$4.02
Forfeited (in dollars per share)	$3.96
Outstanding, ending balance (in dollars per share)	$4.77	$4.28
Aggregate Intrinsic Value [Roll Forward]
Outstanding beginning balance	1,121,570
Granted	535,840
Vested	404,328
Forfeited	68,908
Outstanding ending balance	1,184,174	1,121,570
Total remaining unrecognized compensation cost related to nonvested shares	945,000
Weighted-average period for recognition for unrecognized compensation cost	1 year 6 months 4 days
Total grant date fair value of shares vested	$299,151	$116,954	$0
Employees' Plans [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares permitted under the plan (in shares)	1,917,210
Shares available for issuance (in shares)	247,932
Directors' Plans [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares permitted under the plan (in shares)	473,278
Shares available for issuance (in shares)	156,375

EMPLOYEE_BENEFITS_Details

EMPLOYEE BENEFITS (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
EMPLOYEE BENEFITS [Abstract]
Employer matching contribution, first (in hundredths)	100.00%
Employee contribution, first (in hundredths)	3.00%
Employer matching contribution, second (in hundredths)	50.00%
Employee contribution, second (in hundredths)	3.00%
Maximum employer matching contribution (in hundredths)	5.00%
Number of shares permitted under the plan (in shares)	210,000
Employer contributions	$630,000	$584,000	$0

EARNINGS_PER_COMMON_SHARE_Deta

EARNINGS PER COMMON SHARE (Details) (USD $)	3 Months Ended								12 Months Ended
In Thousands, except Share data, unless otherwise specified	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Reconciliation of numerators and denominators of basic and diluted earnings per common share [Abstract]
Net Income	$2,317	$2,762	$2,755	$2,639	$2,234	$2,238	$2,603	$2,473	$10,473	$9,549	$35,490
Effect of induced exchange of preferred stock									0	-17,575	0
Net income available to common shares									$10,473	($8,026)	$35,490
Weighted average shares outstanding, including restricted stock awards - Basic (in shares)									33,803,030	27,161,888	27,086,792
Dilutive potential common shares [Abstract]
Stock options (in shares)									0	0	0
Conversion of preferred stock (in shares)									0	0	0
Stock warrants (in shares)									0	0	0
Weighted average shares outstanding - Diluted (in shares)									33,803,030	27,161,888	27,086,792
Basic earnings per common share (in dollars per share)	$0.07	$0.08	$0.08	$0.08	($0.56)	$0.08	$0.10	$0.09	$0.31	($0.29)	$1.31
Diluted earnings per common share (in dollars per share)	$0.07	$0.08	$0.08	$0.08	($0.56)	$0.08	$0.10	$0.09	$0.31	($0.29)	$1.31
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)									260,261	355,328	472,719
Restricted Stock [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities excluded from computation of earnings per share amount (in shares)									206,167

FEDERAL_INCOME_TAXES_Details

FEDERAL INCOME TAXES (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Income tax expense (benefit) [Abstract]
Current	$1,724,000	$120,000	$275,000
Deferred	2,849,000	4,150,000	0
Valuation allowance - change in estimate	0	0	-18,858,000
Income tax expense (benefit)	4,573,000	4,270,000	-18,583,000
Difference between 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%
Statutory rate applied to income before taxes	5,266,000	4,837,000	5,917,000
Add (deduct) [Abstract]
Change in valuation allowance	0	0	-24,026,000
Tax-exempt interest income	-391,000	-244,000	-103,000
Bank-owned life insurance	-237,000	-250,000	-297,000
Other, net	-65,000	-73,000	-74,000
Income tax expense (benefit)	4,573,000	4,270,000	-18,583,000
Valuation allowance on deferred tax assets	0	0	0
Deferred tax assets [Abstract]
Allowance for loan losses	6,637,000	7,279,000
Nonaccrual loan interest	935,000	782,000
Valuation allowance on other real estate owned	5,190,000	5,847,000
Net operating loss carryforward	0	1,743,000
Unrealized loss on securities available for sale	0	1,053,000
Other	1,896,000	1,808,000
Gross deferred tax assets	14,658,000	18,512,000
Valuation allowance	0	0	0
Total net deferred tax assets	14,658,000	18,512,000
Deferred tax liabilities [Abstract]
Depreciation	-1,908,000	-1,620,000
Unrealized gain on securities available for sale	-33,000	0
Prepaid expenses	-21,000	-308,000
Other	-431,000	-384,000
Gross deferred tax liabilities	-2,393,000	-2,312,000
Net deferred tax asset	12,265,000	16,200,000
Unrecognized tax benefits	$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 $)	12 Months Ended
	Dec. 31, 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	$14,200,000	$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	81,274,000	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	11,862,000	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	$389,099,000	$313,232,000

CONTINGENCIES_Details

CONTINGENCIES (Details) (Employment Agreement Litigation, Benj. A. Smith III [Member], USD $)	0 Months Ended
	Jan. 27, 2014	Dec. 31, 2014
Employment Agreement Litigation, Benj. A. Smith III [Member]
Contingencies [Line Items]
Monthly entitlement claimed by plaintiff	$20,833
Period of monthly damage claims sought for employment agreement	P6Y
Settlement liability, net of insurance proceeds		$516,000

SHAREHOLDERS_EQUITY_Details

SHAREHOLDERS' EQUITY (Details) (USD $)	0 Months Ended			12 Months Ended
	Jun. 29, 2011	Jun. 30, 2011	Jun. 07, 2011	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2009	Dec. 31, 2008
				Category
SHAREHOLDERS' EQUITY [Abstract]
Number of classification of prompt corrective action regulations				5
Summary of actual capital levels and minimum required levels [Abstract]
Total capital (to risk weighted assets), actual amount				$189,353,000	$174,433,000
Total capital (to risk weighted assets), actual ratio (in hundredths)				15.60%	15.70%
Tier 1 capital (to risk weighted assets), actual amount				174,084,000	160,455,000
Tier 1 capital (to risk weighted assets), actual ratio (in hundredths)				14.30%	14.40%
Tier 1 capital (to average assets), actual amount				174,084,000	160,455,000
Tier 1 capital (to average assets), actual ratio (in hundredths)				11.60%	10.60%
Total capital (to risk weighted assets), minimum required for capital adequacy purposes, amount				97,420,000	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				48,706,000	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				59,998,000	60,482,000
Tier 1 capital (to average assets), minimum required for capital adequacy purposes, ratio (in hundredths)				4.00%	4.00%
Trust preferred securities that qualified as Tier one risk based capital				40,000,000
Convertible Preferred Stock [Abstract]
Stock issuance costs				102,000	0	0
Inducement payment				4,700,000
Exchange of preferred stock				0	17,575,000	0
Subordinated Notes [Abstract]
Proceeds from issuance of debt				41,238,000
Issuance date				21-Apr-11
Common Stock [Abstract]
Number of shares issued from sale of stock (in shares)	4,456,186		4,456,186
Average price of common stock shares issued (in dollars per share)	$2.30		$2.30
Proceeds from issuance of common stock		20,300,000		4,000	0	0
Amount contributed to bank		10,000,000
Warrants [Member]
Warrant issued [Abstract]
Warrant issued to purchase common stock (in shares)							1,478,811
Exercise price of warrants (in dollars per share)							$9
Fair value of warrants issued							806,000
Warrants per common stock (in dollars per share)							$0.54
Warrant expiration date							18-Jun-15
Warrants issued during period, expiration period							5 years
Unsecured Subordinated Debt, Due 2017 [Member]
Subordinated Notes [Abstract]
Proceeds from issuance of debt							1,650,000
Debt instrument due date							31-Dec-17
Subordinated Note, Due 2018 [Member]
Subordinated Notes [Abstract]
Proceeds from issuance of debt				1,000,000
Debt instrument due date				31-Dec-18
Series A Preferred Stock [Member]
Convertible Preferred Stock [Abstract]
Stock issued in private offerings (in shares)								31,290
Preferred stock coupon rate (in hundredths)								12.00%
Preferred stock, liquidation value (in dollars per share)								$1,000
Aggregate liquidation preference								31,300,000
Proceeds from issuance of Convertible Preferred Stock								30,600,000
Stock issuance costs								686,000
Preferred stock, par value (in dollars per share)				$0
Amount fixed as denominator for division by liquidation preference (in dollars per share)				$5.25
Amount equivalent to cash for each series of preferred stock (in dollars per share)				$142
Dividend rate for one time cash payments (in hundredths)				5.00%
Payments from exchange of preferred stock				4,400,000
Number of shares converted in conversion of Preferred Stock to Common Stock (in shares)				5,973,519
Series B Preferred Stock [Member]
Convertible Preferred Stock [Abstract]
Stock issued in private offerings (in shares)							2,600
Preferred stock coupon rate (in hundredths)							9.00%
Preferred stock, liquidation value (in dollars per share)							$1,000
Aggregate liquidation preference							2,600,000
Proceeds from issuance of Convertible Preferred Stock							2,600,000
Stock issuance costs							40,000
Preferred stock, par value (in dollars per share)				$0
Amount fixed as denominator for division by liquidation preference (in dollars per share)				$5.25
Amount equivalent to cash for each series of preferred stock (in dollars per share)				$182
Dividend rate for one time cash payments (in hundredths)				4.50%
Payments from exchange of preferred stock				319,000
Number of shares exchanged in exchange of Preferred Stock to Common Stock (in shares)				457,519
Common Stock [Member]
Convertible Preferred Stock [Abstract]
Amount specified by which common stock of shares are divided for cancellation and exchange (in dollars per share)				$5.25
Bank [Member]
Summary of actual capital levels and minimum required levels [Abstract]
Total capital (to risk weighted assets), actual amount				186,276,000	171,811,000
Total capital (to risk weighted assets), actual ratio (in hundredths)				15.30%	15.40%
Tier 1 capital (to risk weighted assets), actual amount				170,983,000	157,825,000
Tier 1 capital (to risk weighted assets), actual ratio (in hundredths)				14.00%	14.20%
Tier 1 capital (to average assets), actual amount				170,983,000	157,825,000
Tier 1 capital (to average assets), actual ratio (in hundredths)				11.40%	10.50%
Total capital (to risk weighted assets), minimum required for capital adequacy purposes, amount				97,575,000	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				48,788,000	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				59,923,000	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				121,969,000	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				73,182,000	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				74,904,000	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%
Trust preferred securities that qualified as Tier one risk based capital					$40,000,000

CONDENSED_FINANCIAL_STATEMENTS2

CONDENSED FINANCIAL STATEMENTS (PARENT COMPANY ONLY) (Details) (USD $)	0 Months Ended	3 Months Ended								12 Months Ended
	Jun. 30, 2011	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2008	Dec. 31, 2009	Dec. 31, 2011
ASSETS
Cash and cash equivalents		$129,455,000				$156,892,000				$129,455,000	$156,892,000	$226,358,000
Other assets		2,831,000				4,491,000				2,831,000	4,491,000
Total assets		1,583,846,000				1,517,405,000				1,583,846,000	1,517,405,000
LIABILITIES AND SHAREHOLDERS' EQUITY
Long-term debt		41,238,000				41,238,000				41,238,000	41,238,000
Total liabilities		1,441,327,000				1,384,883,000				1,441,327,000	1,384,883,000
Total shareholders' equity		142,519,000				132,522,000				142,519,000	132,522,000	130,507,000			94,426,000
Total liabilities and shareholders' equity		1,583,846,000				1,517,405,000				1,583,846,000	1,517,405,000
Expense
Interest expense										5,596,000	7,337,000	9,814,000
Income tax benefit										4,573,000	4,270,000	-18,583,000
Net income		2,317,000	2,762,000	2,755,000	2,639,000	2,234,000	2,238,000	2,603,000	2,473,000	10,473,000	9,549,000	35,490,000
Net income (loss) available to common shares										10,473,000	-8,026,000	35,490,000
Comprehensive income										12,489,000	6,634,000	36,072,000
Cash flows from operating activities
Net income		2,317,000	2,762,000	2,755,000	2,639,000	2,234,000	2,238,000	2,603,000	2,473,000	10,473,000	9,549,000	35,490,000
Adjustments to reconcile net income to net cash from operating activities:
Stock compensation expense										338,000	160,000	9,000
Net cash from operating activities										16,618,000	16,312,000	13,495,000
Cash flows from investing activities
Net cash from investing activities										-95,806,000	-40,991,000	-44,048,000
Cash flows from financing activities
Proceeds from issuance of common stock	20,300,000									4,000	0	0
Cash dividends paid										-2,689,000	0	0
Common stock issuance costs										-102,000	0	0
Repurchases of shares										-106,000	-45,000	0
Cash paid in preferred stock exchange										0	-4,734,000	0
Net cash from financing activities										51,751,000	-44,787,000	13,869,000
Net change in cash and cash equivalents										-27,437,000	-69,466,000	-16,684,000
Cash and cash equivalents at beginning of period					156,892,000				226,358,000	156,892,000	226,358,000	243,042,000
Cash and cash equivalents at end of period		129,455,000				156,892,000				129,455,000	156,892,000	226,358,000
Supplemental noncash disclosures:
Exchange of 31,290 shares of Preferred Series A to 5,973,519 shares of common stock										0	30,604,000	0
Exchange of 2,300 shares of Preferred Series B to 457,159 shares of common stock										0	2,260,000	0
Series A [Member]
Cash flows from financing activities
Common stock issuance costs													-686,000
Supplemental noncash disclosures:
Number of shares converted in conversion of Preferred Stock to Common Stock (in shares)										5,973,519
Series B [Member]
Cash flows from financing activities
Common stock issuance costs														-40,000
Supplemental noncash disclosures:
Number of shares exchanged in exchange of Preferred Stock to Common Stock (in shares)										457,519
Preferred Stock [Member] | Series A [Member]
LIABILITIES AND SHAREHOLDERS' EQUITY
Total shareholders' equity		0				0				0	0	30,604,000			30,604,000
Preferred Stock [Member] | Series B [Member]
LIABILITIES AND SHAREHOLDERS' EQUITY
Total shareholders' equity		0				0				0	0	2,560,000			2,560,000
Common Stock [Member]
LIABILITIES AND SHAREHOLDERS' EQUITY
Total shareholders' equity		216,460,000				216,263,000				216,460,000	216,263,000	187,718,000			187,709,000
Cash flows from financing activities
Common stock issuance costs										-102,000
Conversion of Preferred Stock Series B to Common Stock [Member] | Preferred Stock [Member] | Series B [Member]
Supplemental noncash disclosures:
Number of shares converted in conversion of Preferred Stock to Common Stock (in shares)											300
Conversion of Preferred Stock Series B to Common Stock [Member] | Common Stock [Member]
Supplemental noncash disclosures:
Number of shares issued in conversion of Preferred Stock to Common Stock (in shares)											50,000
Exchange of Preferred Stock Series A to Common Stock [Member] | Preferred Stock [Member] | Series A [Member]
Supplemental noncash disclosures:
Number of shares exchanged in exchange of Preferred Stock to Common Stock (in shares)											31,290
Exchange of Preferred Stock Series A to Common Stock [Member] | Common Stock [Member]
Supplemental noncash disclosures:
Number of shares issued in exchange of Preferred Stock to Common Stock (in shares)											5,973,519
Exchange of Preferred Stock Series B to Common Stock [Member] | Preferred Stock [Member] | Series B [Member]
Supplemental noncash disclosures:
Number of shares exchanged in exchange of Preferred Stock to Common Stock (in shares)											2,300
Exchange of Preferred Stock Series B to Common Stock [Member] | Common Stock [Member]
Supplemental noncash disclosures:
Number of shares issued in exchange of Preferred Stock to Common Stock (in shares)											457,159
Parent Company [Member]
ASSETS
Cash and cash equivalents		2,544,000				1,910,000				2,544,000	1,910,000	9,787,000
Investments in Bank subsidiary		177,312,000				167,292,000				177,312,000	167,292,000
Investment in other subsidiaries		1,491,000				1,504,000				1,491,000	1,504,000
Other assets		2,599,000				3,272,000				2,599,000	3,272,000
Total assets		183,946,000				173,978,000				183,946,000	173,978,000
LIABILITIES AND SHAREHOLDERS' EQUITY
Long-term debt		41,238,000				41,238,000				41,238,000	41,238,000
Other liabilities		189,000				218,000				189,000	218,000
Total liabilities		41,427,000				41,456,000				41,427,000	41,456,000
Total shareholders' equity		142,519,000				132,522,000				142,519,000	132,522,000
Total liabilities and shareholders' equity		183,946,000				173,978,000				183,946,000	173,978,000
Income
Dividends from subsidiaries										4,139,000	5,179,000	0
Other										0	0	0
Total income										4,139,000	5,179,000	0
Expense
Interest expense										1,311,000	1,563,000	1,719,000
Other expense										611,000	575,000	555,000
Total expense										1,922,000	2,138,000	2,274,000
Income (loss) before income tax and equity in undistributed earnings of subsidiaries										2,217,000	3,041,000	-2,274,000
Equity in undistributed earnings of subsidiaries										7,592,000	5,770,000	35,338,000
Income before income tax										9,809,000	8,811,000	33,064,000
Income tax benefit										-664,000	-738,000	-2,426,000
Net income										10,473,000	9,549,000	35,490,000
Net income (loss) available to common shares										10,473,000	-8,026,000	35,490,000
Comprehensive income										12,489,000	6,634,000	36,072,000
Cash flows from operating activities
Net income										10,473,000	9,549,000	35,490,000
Adjustments to reconcile net income to net cash from operating activities:
Equity in undistributed earnings of subsidiaries										-7,592,000	-5,770,000	-35,338,000
Stock compensation expense										2,000	0	0
Change in other assets										673,000	-740,000	-2,424,000
Change in other liabilities										-29,000	-4,487,000	1,524,000
Net cash from operating activities										3,527,000	-1,448,000	-748,000
Cash flows from investing activities
Investment in subsidiaries										0	0	0
Net cash from investing activities										0	0	0
Cash flows from financing activities
Proceeds from issuance of common stock										4,000	0	0
Cash dividends paid										-2,689,000	0	0
Common stock issuance costs										-102,000	0	0
Redemption of subordinated debt										0	-1,650,000	0
Repurchases of shares										-106,000	-45,000	0
Cash paid in preferred stock exchange										0	-4,734,000	0
Net cash from financing activities										-2,893,000	-6,429,000	0
Net change in cash and cash equivalents										634,000	-7,877,000	-748,000
Cash and cash equivalents at beginning of period					1,910,000				9,787,000	1,910,000	9,787,000	10,535,000
Cash and cash equivalents at end of period		2,544,000				1,910,000				2,544,000	1,910,000	9,787,000
Supplemental noncash disclosures:
Conversion of 300 shares of Preferred Series B to 50,000 shares of common stock										0	300,000	0
Exchange of 31,290 shares of Preferred Series A to 5,973,519 shares of common stock										0	30,604,000	0
Exchange of 2,300 shares of Preferred Series B to 457,159 shares of common stock										$0	$2,260,000	$0
Parent Company [Member] | Conversion of Preferred Stock Series B to Common Stock [Member] | Preferred Stock [Member] | Series B [Member]
Supplemental noncash disclosures:
Number of shares converted in conversion of Preferred Stock to Common Stock (in shares)											300
Parent Company [Member] | Exchange of Preferred Stock Series A to Common Stock [Member] | Preferred Stock [Member] | Series A [Member]
Supplemental noncash disclosures:
Number of shares exchanged in exchange of Preferred Stock to Common Stock (in shares)											31,290
Parent Company [Member] | Exchange of Preferred Stock Series A to Common Stock [Member] | Common Stock [Member]
Supplemental noncash disclosures:
Number of shares issued in exchange of Preferred Stock to Common Stock (in shares)											5,973,519
Parent Company [Member] | Exchange of Preferred Stock Series B to Common Stock [Member] | Preferred Stock [Member] | Series B [Member]
Supplemental noncash disclosures:
Number of shares exchanged in exchange of Preferred Stock to Common Stock (in shares)											2,300
Parent Company [Member] | Exchange of Preferred Stock Series B to Common Stock [Member] | Common Stock [Member]
Supplemental noncash disclosures:
Number of shares issued in conversion of Preferred Stock to Common Stock (in shares)											50,000
Number of shares issued in exchange of Preferred Stock to Common Stock (in shares)											457,159

QUARTERLY_FINANCIAL_DATA_Unaud2

QUARTERLY FINANCIAL DATA (Unaudited) (Details) (USD $)	3 Months Ended								12 Months Ended
	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
QUARTERLY FINANCIAL DATA (Unaudited) [Abstract]
Interest Income	$11,816,000	$11,674,000	$11,528,000	$11,970,000	$11,961,000	$11,919,000	$12,307,000	$12,433,000	$46,988,000	$48,620,000	$57,276,000
Net Interest Income	10,457,000	10,304,000	10,156,000	10,475,000	10,212,000	10,124,000	10,464,000	10,483,000	41,392,000	41,283,000	47,462,000
Provision for Loan Losses	-600,000	-750,000	-1,000,000	-1,000,000	-1,000,000	-1,500,000	-1,000,000	-750,000	-3,350,000	-4,250,000	-7,100,000
Net Income	2,317,000	2,762,000	2,755,000	2,639,000	2,234,000	2,238,000	2,603,000	2,473,000	10,473,000	9,549,000	35,490,000
Basic (Loss) Earnings Per Common Share (in dollars per share)	$0.07	$0.08	$0.08	$0.08	($0.56)	$0.08	$0.10	$0.09	$0.31	($0.29)	$1.31
Diluted (Loss) Earnings Per Common Share (in dollars per share)	$0.07	$0.08	$0.08	$0.08	($0.56)	$0.08	$0.10	$0.09	$0.31	($0.29)	$1.31
Expense associated with legal settlement									$516,000