Macatawa Bank (MCBC) 10-Q 22 Oct 15 2015 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2015	Oct. 22, 2015
Document and Entity Information [Abstract]
Entity Registrant Name	MACATAWA BANK CORP
Entity Central Index Key	1,053,584
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Filer Category	Accelerated Filer
Entity Common Stock, Shares Outstanding		33,866,789
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	Q3
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Sep. 30, 2015

CONSOLIDATED BALANCE SHEETS (un

CONSOLIDATED BALANCE SHEETS (unaudited) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
ASSETS
Cash and due from banks	$ 23,468	$ 31,503
Federal funds sold and other short -term investments	100,285	97,952
Cash and cash equivalents	123,753	129,455
Interest-bearing time deposits in other financial institutions	20,000	20,000
Securities available for sale, at fair value	161,515	161,874
Securities held to maturity (fair value 2015 - $41,624 and 2014 - $31,428)	40,434	31,585
Federal Home Loan Bank (FHLB) stock	11,558	11,238
Loans held for sale, at fair value	2,895	2,347
Total loans	1,192,878	1,118,483
Allowance for loan losses	(18,217)	(18,962)
Net loans	1,174,661	1,099,521
Premises and equipment - net	51,725	52,894
Accrued interest receivable	3,778	3,399
Bank-owned life insurance	28,697	28,195
Other real estate owned - net	25,671	28,242
Net deferred tax asset	10,605	12,265
Other assets	4,047	2,831
Total assets	1,659,339	1,583,846
Deposits
Noninterest-bearing	442,316	404,143
Interest-bearing	924,533	902,182
Total deposits	1,366,849	1,306,325
Other borrowed funds	96,169	88,107
Long-term debt	41,238	41,238
Accrued expenses and other liabilities	5,350	5,657
Total liabilities	$ 1,509,606	$ 1,441,327
Commitments and contingent liabilities
Shareholders' equity
Common stock, no par value, 200,000,000 shares authorized; 33,866,789 shares issued and outstanding at September 30, 2015 and December 31, 2014	$ 216,544	$ 216,460
Retained deficit	(67,439)	(74,002)
Accumulated other comprehensive income	628	61
Total shareholders' equity	149,733	142,519
Total liabilities and shareholders' equity	$ 1,659,339	$ 1,583,846

CONSOLIDATED BALANCE SHEETS (u3

CONSOLIDATED BALANCE SHEETS (unaudited) (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
ASSETS
Securities held to maturity fair value	$ 41,624	$ 31,428
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	33,866,789
Common stock, shares outstanding (in shares)	33,866,789	33,866,789

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME (unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Interest income
Loans, including fees	$ 11,250	$ 10,639	$ 33,365	$ 32,129
Securities
Taxable	529	504	1,531	1,503
Tax-exempt	394	309	1,114	828
FHLB Stock	120	105	348	365
Federal funds sold and other short-term investments	134	117	318	347
Total interest income	12,427	11,674	36,676	35,172
Interest expense
Deposits	521	614	1,749	1,974
Other borrowings	449	425	1,317	1,283
Subordinated and long-term debt	336	331	992	980
Total interest expense	1,306	1,370	4,058	4,237
Net interest income	11,121	10,304	32,618	30,935
Provision for loan losses	(250)	(750)	(1,750)	(2,750)
Net interest income after provision for loan losses	11,371	11,054	34,368	33,685
Noninterest income
Service charges and fees	1,150	1,163	3,248	3,219
Net gains on mortgage loans	705	679	2,249	1,405
Trust fees	711	669	2,168	2,002
ATM and debit card fees	1,220	1,170	3,549	3,425
Gain on sales of securities	36	0	119	51
Other	662	622	1,958	1,779
Total noninterest income	4,484	4,303	13,291	11,881
Noninterest expense
Salaries and benefits	6,158	5,810	18,474	17,177
Occupancy of premises	948	897	2,823	2,837
Furniture and equipment	835	803	2,431	2,394
Legal and professional	231	196	661	639
Marketing and promotion	263	264	831	816
Data processing	619	635	1,845	1,807
FDIC assessment	283	287	854	934
Interchange and other card expense	304	288	864	825
Bond and D&O Insurance	147	166	438	493
Net (gains) losses on repossessed and foreclosed properties	(160)	449	260	634
Administration and disposition of problem assets	393	412	1,053	1,584
Other	1,233	1,182	3,804	3,657
Total noninterest expenses	11,254	11,389	34,338	33,797
Income before income tax	4,601	3,968	13,321	11,769
Income tax expense	1,400	1,206	4,065	3,614
Net income	$ 3,201	$ 2,762	$ 9,256	$ 8,155
Basic earnings per common share (in dollars per share)	$ 0.09	$ 0.08	$ 0.27	$ 0.24
Diluted earnings per common share (in dollars per share)	0.09	0.08	0.27	0.24
Cash dividends per common share (in dollars per share)	$ 0.03	$ 0.02	$ 0.08	$ 0.06

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (unaudited) [Abstract]
Net income	$ 3,201	$ 2,762	$ 9,256	$ 8,155
Unrealized gains:
Net change in unrealized gains (losses) on securities available for sale	925	316	991	2,650
Tax effect	(324)	(111)	(347)	(928)
Net change in unrealized gains (losses) on securities available for sale, net of tax	601	205	644	1,722
Less: reclassification adjustments:
Reclassification for gains included in net income	36	0	119	51
Tax effect	(13)	0	(42)	(18)
Reclassification for gains included in net income, net of tax	23	0	77	33
Other comprehensive income, net of tax	578	205	567	1,689
Comprehensive income	$ 3,779	$ 2,967	$ 9,823	$ 9,844

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (unaudited) - USD ($) $ in Thousands	Common Stock [Member]	Retained Deficit [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Total
Balance at Dec. 31, 2013	$ 216,263	$ (81,786)	$ (1,955)	$ 132,522
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	8,155	0	8,155
Common stock issuance costs	(102)	0	0	(102)
Issuance of shares of Common Stock on exercise of stock purchase warrants	4	0	0	4
Cash dividends	0	(2,028)	0	(2,028)
Net change in unrealized gain (loss) on securities available for sale, net of tax	0	0	1,689	1,689
Stock compensation expense	229	0	0	229
Balance at Sep. 30, 2014	216,394	(75,659)	(266)	140,469
Balance at Dec. 31, 2014	216,460	(74,002)	61	142,519
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	9,256	0	9,256
Common stock issuance costs				0
Cash dividends	0	(2,693)	0	(2,693)
Net change in unrealized gain (loss) on securities available for sale, net of tax	0	0	567	567
Tax effect of expired common stock warrants	(280)	0	0	(280)
Stock compensation expense	364	0	0	364
Balance at Sep. 30, 2015	$ 216,544	$ (67,439)	$ 628	$ 149,733

CONSOLIDATED STATEMENTS OF CHA7

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (unaudited) (Parenthetical)	9 Months Ended
	Sep. 30, 2014$ / sharesshares
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Issuance of Common Stock on exercise of stock purchase warrants (in shares) | shares	392
Cash dividend per share (in dollars per share)	$ 0.06

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS (unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014
Cash flows from operating activities
Net income	$ 9,256	$ 8,155
Adjustments to reconcile net income to net cash from operating activities:
Depreciation and amortization	2,167	2,438
Stock compensation expense	364	229
Tax effect of expired common stock warrants	(280)	0
Provision for loan losses	(1,750)	(2,750)
Origination of loans for sale	(76,622)	(51,504)
Proceeds from sales of loans originated for sale	78,323	53,919
Net gains on mortgage loans	(2,249)	(1,405)
Gain on sales of securities	(119)	(51)
Write-down of other real estate	496	1,109
Net gain on sales of other real estate	(237)	(475)
Change in net deferred tax asset	1,354	2,903
Change in accrued interest receivable and other assets	(1,595)	1,205
Earnings in bank-owned life insurance	(502)	(504)
Change in accrued expenses and other liabilities	(827)	(159)
Net cash from operating activities	7,779	13,110
Cash flows from investing activities
Loan originations and payments, net	(74,691)	(13,395)
Change in interest-bearing deposits in other financial institutions	0	5,000
Purchases of securities available for sale	(34,536)	(34,990)
Purchases of securities held to maturity	(24,592)	(25,225)
Purchase FHLB stock	(320)	0
Proceeds from:
Maturities and calls of securities	29,191	19,535
Sales of securities available for sale	19,848	5,164
Principal paydowns on securities	2,888	2,664
Sales of other real estate	3,613	9,964
Additions to premises and equipment	(775)	(1,525)
Net cash from investing activities	(79,374)	(32,808)
Cash flows from financing activities
Change in deposits	60,524	(33,645)
Repayments of other borrowed funds	(1,938)	(1,884)
Proceeds from other borrowed funds	10,000	0
Proceeds from issuance of common stock	0	4
Cash dividends paid	(2,693)	(2,028)
Common stock issuance costs	0	(102)
Net cash from financing activities	65,893	(37,655)
Net change in cash and cash equivalents	(5,702)	(57,353)
Cash and cash equivalents at beginning of period	129,455	156,892
Cash and cash equivalents at end of period	123,753	99,539
Supplemental cash flow information
Interest paid	4,078	4,254
Income taxes paid	4,300	90
Supplemental noncash disclosures:
Transfers from loans to other real estate	1,301	2,565
Security settlement	$ (520)	$ 0

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	9 Months Ended
	Sep. 30, 2015
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Principles of Consolidation Macatawa Bank is a Michigan chartered bank with depository accounts insured by the Federal Deposit Insurance Corporation. The Bank operates 26 full service branch offices providing a full range of commercial and consumer banking and trust services in Kent County, Ottawa County, and northern Allegan County, Michigan. The Company owns all of the common stock of Macatawa Statutory Trust I and Macatawa Statutory Trust II. These are grantor trusts that issued trust preferred securities and are not consolidated with the Company under accounting principles generally accepted in the United States of America. Basis of Presentation: Operating results for the three and nine month periods ended September 30, 2015 are not necessarily indicative of the results that may be expected for the year ending December 31, 2015. For further information, refer to the consolidated financial statements and related notes included in the Company's Annual Report on Form 10-K for the year ended December 31, 2014. Use of Estimates Allowance for Loan Losses The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired. The general component covers non-classified loans and is based on historical loss experience adjusted for current qualitative factors. The Company maintains a loss migration analysis that tracks loan losses and recoveries based on loan class and the loan risk grade assignment for commercial loans. At September 30, 2015, an 18 month annualized historical loss experience was used for commercial loans and a 12 month historical loss experience period was applied to residential mortgage loans and consumer loans. These historical loss percentages are adjusted (both upwards and downwards) for certain qualitative factors, including economic trends, credit quality trends, valuation trends, concentration risk, quality of loan review, changes in personnel, external factors and other considerations. A loan is impaired when, based on current information and events, it is believed to be probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans for which the terms have been modified and a concession has been made, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings and classified as impaired. Commercial and commercial real estate loans with relationship balances exceeding $500,000 and an internal risk grading of 6 or worse are evaluated for impairment. If a loan is impaired, a portion of the allowance is allocated and the loan is reported at the present value of estimated future cash flows using the loan’s existing interest rate or at the fair value of collateral, less estimated costs to sell, if repayment is expected solely from the collateral. Large groups of smaller balance homogeneous loans, such as consumer and residential real estate loans, are collectively evaluated for impairment and they are not separately identified for impairment disclosures. Troubled debt restructurings are also considered impaired with impairment generally measured at the present value of estimated future cash flows using the loan’s effective rate at inception or using the fair value of collateral, less estimated costs to sell, if repayment is expected solely from the collateral. Foreclosed Assets Income Taxes We recognize a tax position as a benefit only if it is "more likely than not" that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the "more likely than not" test, no tax benefit is recorded. We recognize interest and penalties related to income tax matters in income tax expense. Derivatives Reclassifications: Adoption of New Accounting Standards The Financial Accounting Standards Board (“FASB”) has issued Accounting Standards Update (ASU) No. 2014-04, Receivables - Troubled Debt Restructurings by Creditors (Subtopic 310-40) - Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure a b 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. FASB issued ASU 2014-14, Classification of Certain Government-Guaranteed Mortgage Loans upon Foreclosure. Newly Issued Not Yet Effective Standards: FASB issued ASU 2014-09, Revenue from Contracts with Customers (Topic 606). Other Assets and Deferred Costs: Contracts with Customers Revenue from Contracts with Customers (Topic 606) – Deferral of the Effective Date FASB issued ASU 2015-03, Simplifying the Presentation of Debt Issuance Costs FASB issued ASU 2015-05, Customer’s Accounting for Fees Paid in a Cloud Computing Arrangement FASB issued ASU 2015-12, Plan Accounting: Defined Benefit Pension Plans (Topic 960), Defined Contribution Pension Plans (Topic 962), Health and Welfare Benefit Plans (Topic 965)—(Part I) Fully Benefit-Responsive Investment Contracts, (Part II) Plan Investment Disclosures, (Part III) Measurement Date Practical Expedient (consensuses of the Emerging Issues Task Force)

SECURITIES

SECURITIES	9 Months Ended
	Sep. 30, 2015
SECURITIES [Abstract]
SECURITIES	NOTE 2 – SECURITIES The amortized cost and fair value of securities at period-end were as follows (dollars in thousands): Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value September 30, 2015 Available for Sale: U.S. Treasury and federal agency securities $ 71,594 231 (42 ) $ 71,783 U.S. Agency MBS and CMOs 13,874 88 (27 ) 13,935 Tax-exempt state and municipal bonds 34,698 423 (117 ) 35,004 Taxable state and municipal bonds 25,015 374 (3 ) 25,386 Corporate bonds and other debt securities 13,868 40 (12 ) 13,896 Other equity securities 1,500 11 --- 1,511 $ 160,549 $ 1,167 $ (201 ) $ 161,515 Held to Maturity Tax-exempt state and municipal bonds $ 40,434 $ 1,190 $ --- $ 41,624 December 31, 2014 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 Proceeds from the sale of securities available for sale were $7.8 million in the three month period ended September 30, 2015 and $19.8 million in the nine month period ended September 30, 2015 resulting in net gains on sale of $36,000 and $119,000, respectively, as reported in the Consolidated Statements of Income. This resulted in reclassifications of $36,000 ($23,000 net of tax) and $119,000 ($77,000 net of tax) from accumulated other comprehensive income to gain on sale of securities in the Consolidated Statements of Income in the three and nine month periods ended September 30, 2015. There were no sales of securities in the three month period ended September 30, 2014. Proceeds from the sale of securities available for sale were $5.2 million in the nine month period ended September 30, 2014 resulting in net gains on sale of $51,000, as reported in the Consolidated Statements of Income. This resulted in reclassifications of $51,000 ($33,000 net of tax) from accumulated other comprehensive income to gain on sale of securities in the Consolidated Statements of Income in the nine month period ended September 30, 2014. Contractual maturities of debt securities at September 30, 2015 were as follows (dollars in thousands): Held–to-Maturity Securities Available-for-Sale Securities Amortized Cost Fair Value Amortized Cost Fair Value Due in one year or less $ 13,156 $ 13,221 $ 7,195 $ 7,235 Due from one to five years 9,769 9,982 98,012 98,565 Due from five to ten years 15,319 16,098 38,039 38,308 Due after ten years 2,190 2,323 15,803 15,896 $ 40,434 $ 41,624 $ 159,049 $ 160,004 Securities with unrealized losses at September 30, 2015 and December 31, 2014, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, were as follows (dollars in thousands): Less than 12 Months 12 Months or More Total September 30, 2015 Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss U.S. Treasury and federal agency securities $ 12,994 $ (6 ) $ 9,795 $ (36 ) $ 22,789 $ (42 ) U.S. Agency MBS and CMOs 5,837 (27 ) --- --- 5,837 (27 ) Tax-exempt state and municipal bonds 7,271 (50 ) 1,993 (67 ) 9,264 (117 ) Taxable state and municipal bonds --- --- 648 (3 ) 648 (3 ) Corporate bonds and other debt securities 3,851 (8 ) 498 (4 ) 4,349 (12 ) Other equity securities --- --- --- --- --- --- Total temporarily impaired $ 29,953 $ (91 ) $ 12,934 $ (110 ) $ 42,887 $ (201 ) Less than 12 Months 12 Months or More Total December 31, 2014 Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized 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 ) 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 the three and nine month periods ended September 30, 2015 and 2014. Securities with a carrying value of approximately $2.0 million and $1.0 million were pledged as security for public deposits, letters of credit and for other purposes required or permitted by law at September 30, 2015 and December 31, 2014.

LOANS

LOANS	9 Months Ended
	Sep. 30, 2015
LOANS [Abstract]
LOANS	NOTE 3 – LOANS Portfolio loans were as follows (dollars in thousands): September 30, 2015 December 31, 2014 Commercial and industrial $ 376,966 $ 327,674 Commercial real estate: Residential developed 10,937 12,771 Unsecured to residential developers 7,103 7,496 Vacant and unimproved 41,436 50,372 Commercial development 1,472 4,082 Residential improved 69,073 69,612 Commercial improved 286,477 269,757 Manufacturing and industrial 88,619 76,441 Total commercial real estate 505,117 490,531 Consumer Residential mortgage 204,185 190,249 Unsecured 678 948 Home equity 96,892 98,887 Other secured 9,040 10,194 Total consumer 310,795 300,278 Total loans 1,192,878 1,118,483 Allowance for loan losses (18,217 ) (18,962 ) $ 1,174,661 $ 1,099,521 Activity in the allowance for loan losses by portfolio segment was as follows (dollars in thousands): Three months ended September 30, 2015 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Beginning balance $ 6,381 7,940 $ 3,831 $ 30 $ 18,182 Charge-offs --- --- (170 ) --- (170 ) Recoveries 238 104 113 --- 455 Provision for loan losses (725 ) 343 135 (3 ) (250 ) Ending Balance $ 5,894 $ 8,387 $ 3,909 $ 27 $ 18,217 Three months ended September 30, 2014 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Beginning balance $ 6,721 $ 9,341 $ 3,933 $ 54 $ 20,049 Charge-offs (4 ) --- (116 ) --- (120 ) Recoveries 75 336 39 --- 450 Provision for loan losses (394 ) (407 ) 60 (9 ) (750 ) Ending Balance $ 6,398 $ 9,270 $ 3,916 $ 45 $ 19,629 Nine months ended September 30, 2015 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Beginning balance $ 6,173 $ 8,690 $ 4,046 $ 53 $ 18,962 Charge-offs (172 ) --- (277 ) --- (449 ) Recoveries 365 829 260 --- 1,454 Provision for loan losses (472 ) (1,132 ) (120 ) (26 ) (1,750 ) Ending Balance $ 5,894 $ 8,387 $ 3,909 $ 27 $ 18,217 Nine months ended September 30, 2014 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Beginning balance $ 6,174 $ 10,868 $ 3,703 $ 53 $ 20,798 Charge-offs (43 ) (23 ) (228 ) --- (294 ) Recoveries 440 1,289 146 --- 1,875 Provision for loan losses (173 ) (2,864 ) 295 (8 ) (2,750 ) Ending Balance $ 6,398 $ 9,270 $ 3,916 $ 45 $ 19,629 The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method (dollars in thousands): September 30, 2015 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Allowance for loan losses: Ending allowance attributable to loans: Individually reviewed for impairment $ 1,882 $ 710 $ 887 $ --- $ 3,479 Collectively evaluated for impairment 4,012 7,677 3,022 27 14,738 Total ending allowance balance $ 5,894 $ 8,387 $ 3,909 $ 27 $ 18,217 Loans: Individually reviewed for impairment $ 5,737 $ 21,866 $ 13,818 $ --- $ 41,421 Collectively evaluated for impairment 371,229 483,251 296,977 --- 1,151,457 Total ending loans balance $ 376,966 $ 505,117 $ 310,795 $ --- $ 1,192,878 December 31, 2014 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total 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 The following table presents loans individually evaluated for impairment by class of loans as of September 30, 2015 (dollars in thousands): September 30, 2015 Unpaid Principal Balance Recorded Investment Allowance Allocated With no related allowance recorded: Commercial and industrial $ 882 $ 882 $ --- Commercial real estate: Residential developed --- --- --- Unsecured to residential developers --- --- --- Vacant and unimproved --- --- --- Commercial development --- --- --- Residential improved 5 5 --- Commercial improved 296 296 --- Manufacturing and industrial 584 584 --- 885 885 --- Consumer: Residential mortgage --- --- --- Unsecured --- --- --- Home equity --- --- --- Other secured --- --- --- --- --- --- $ 1,767 $ 1,767 $ --- With an allowance recorded: Commercial and industrial $ 4,855 $ 4,855 $ 1,882 Commercial real estate: Residential developed 463 463 32 Unsecured to residential developers --- --- --- Vacant and unimproved 331 331 8 Commercial development 193 193 5 Residential improved 5,684 5,684 169 Commercial improved 13,939 13,939 490 Manufacturing and industrial 371 371 6 20,981 20,981 710 Consumer: Residential mortgage 8,718 8,718 537 Unsecured --- --- --- Home equity 5,100 5,100 350 Other secured --- --- --- 13,818 13,818 887 $ 39,654 $ 39,654 $ 3,479 Total $ 41,421 $ 41,421 $ 3,479 The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2014 (dollars in thousands): December 31, 2014 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 information regarding average balances of impaired loans and interest recognized on impaired loans for the three and nine month periods ended September 30, 2015 and 2014 (dollars in thousands): Three Months Ended September 30, 2015 Three Months Ended September 30, 2014 Nine Months Ended September 30, 2015 Nine Months Ended September 30, 2014 Average of impaired loans during the period: Commercial and industrial $ 5,416 $ 10,469 $ 7,401 $ 12,220 Commercial real estate: Residential developed 507 3,801 709 4,139 Unsecured to residential developers --- --- --- --- Vacant and unimproved 1,028 1,593 1,311 1,688 Commercial development 193 443 195 484 Residential improved 6,241 8,771 6,974 9,685 Commercial improved 14,835 17,876 15,985 18,100 Manufacturing and industrial 2,053 5,131 2,470 6,085 Consumer 14,090 14,544 14,485 14,453 Interest income recognized during impairment: Commercial and industrial 215 359 833 970 Commercial real estate 239 401 853 1,309 Consumer 119 131 383 400 Cash-basis interest income recognized Commercial and industrial 212 353 833 968 Commercial real estate 240 406 850 1,328 Consumer 120 133 387 404 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 September 30, 2015 and December 31, 2014: September 30, 2015 Nonaccrual Over 90 days Accruing Commercial and industrial $ 3,119 $ --- Commercial real estate: Residential developed 363 --- Unsecured to residential developers --- --- Vacant and unimproved --- --- Commercial development 49 --- Residential improved 140 --- Commercial improved 370 --- Manufacturing and industrial --- --- 922 --- Consumer: Residential mortgage 42 --- Unsecured 31 --- Home equity 11 72 Other secured 14 --- 98 72 Total $ 4,139 $ 72 December 31, 2014 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 The following tables present the aging of the recorded investment in past due loans as of September 30, 2015 and December 31, 2014 by class of loans (dollars in thousands): September 30, 2015 30-90 Days Greater Than 90 Days Total Past Due Loans Not Past Due Total Commercial and industrial $ 397 $ 100 $ 497 $ 376,469 $ 376,966 Commercial real estate: Residential developed 172 --- 172 10,765 10,937 Unsecured to residential developers --- --- --- 7,103 7,103 Vacant and unimproved --- --- --- 41,436 41,436 Commercial development --- 49 49 1,423 1,472 Residential improved 296 6 302 68,771 69,073 Commercial improved 1,090 197 1,287 285,190 286,477 Manufacturing and industrial 378 --- 378 88,241 88,619 1,936 252 2,188 502,929 505,117 Consumer: Residential mortgage 115 --- 115 204,070 204,185 Unsecured 33 --- 33 645 678 Home equity 17 72 89 96,803 96,892 Other secured --- 14 14 9,026 9,040 165 86 251 310,544 310,795 Total $ 2,498 $ 438 $ 2,936 $ 1,189,942 $ 1,192,878 December 31, 2014 30-90 Days Greater Than 90 Days Total Past Due Loans Not Past Due Total 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 Company had allocated $3,479,000 and $4,065,000 of specific reserves to customers whose loan terms have been modified in troubled debt restructurings (“TDRs”) as of September 30, 2015 and December 31, 2014, 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 September 30, 2015 and December 31, 2014 (dollars in thousands): September 30, 2015 December 31, 2014 Number of Loans Outstanding Recorded Balance Number of Loans Outstanding Recorded Balance Commercial and industrial 33 $ 5,737 36 $ 9,085 Commercial real estate 63 22,064 84 29,817 Consumer 128 13,818 106 14,495 224 $ 41,619 226 $ 53,397 The following table presents information related to accruing troubled debt restructurings as of September 30, 2015 and December 31, 2014. 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 each period reported (dollars in thousands): September 30, 2015 December 31, 2014 Accruing TDR - nonaccrual at restructuring $ --- $ --- Accruing TDR - accruing at restructuring 37,986 46,197 Accruing TDR - upgraded to accruing after six consecutive payments --- --- $ 37,986 $ 46,197 The following tables present information regarding troubled debt restructurings executed during the three and nine month periods ended September 30, 2015 and 2014 (dollars in thousands): Three Months Ended September 30, 2015 Number of Loans Pre-Modification Outstanding Recorded Balance Principal Writedown upon Modification Commercial and industrial 2 $ 114 $ --- Commercial real estate --- --- --- Consumer 1 41 --- 3 $ 155 $ --- Three Months Ended September 30, 2014 Number of Loans Pre-Modification Outstanding Recorded Balance Principal Writedown upon Modification Commercial and industrial --- $ --- $ --- Commercial real estate --- --- --- Consumer 8 183 --- 8 $ 183 $ --- Nine Months Ended September 30, 2015 Number of Loans Pre-Modification Outstanding Recorded Balance Principal Writedown upon Modification Commercial and industrial 3 $ 522 $ --- Commercial real estate 1 42 --- Consumer 32 870 --- 36 $ 1,434 $ --- Nine Months Ended September 30, 2014 Number of Loans Pre-Modification Outstanding Recorded Balance Principal Writedown upon Modification Commercial and industrial 1 $ 61 $ --- Commercial real estate 10 4,046 --- Consumer 10 257 --- 21 $ 4,364 $ --- 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 tables below present, by class, information regarding troubled debt restructured loans which had payment defaults during the three and nine month periods ended September 30, 2015 and 2014 (dollars in thousands). Included are loans that became delinquent more than 90 days past due or transferred to nonaccrual within 12 months of restructuring. Three Months Ended September 30, 2015 Three Months Ended September 30, 2014 Number of Loans Outstanding Recorded Balance Number of Loans Outstanding Recorded Balance Commercial and industrial --- $ --- --- $ --- Commercial real estate --- --- --- --- Consumer 1 10 --- --- Nine Months Ended September 30, 2015 Nine Months Ended September 30, 2014 Number of Loans Outstanding Recorded Balance Number of Loans Outstanding Recorded Balance Commercial and industrial --- $ --- --- $ --- Commercial real estate --- --- 1 131 Consumer 1 10 --- --- Credit Quality Indicators: 1. Excellent 2. Above Average 3. Good Quality 4. Acceptable Risk 5. Marginally Acceptable 6. Substandard 7. Doubtful 8. Loss As of September 30, 2015 and December 31, 2014, the risk grade category of commercial loans by class of loans were as follows (dollars in thousands): September 30, 2015 1 2 3 4 5 6 7 8 Total Commercial and industrial $ 318 8,842 130,378 224,831 8,127 1,352 3,118 $ --- $ 376,966 Commercial real estate: Residential developed --- --- 2,207 5,454 2,615 291 370 --- 10,937 Unsecured to residential developers --- --- --- 7,103 --- --- --- --- 7,103 Vacant and unimproved --- --- 14,972 21,017 5,447 --- --- --- 41,436 Commercial development --- --- --- 1,230 --- 193 49 --- 1,472 Residential improved --- --- 17,858 44,587 4,701 1,787 140 --- 69,073 Commercial improved --- 3,574 60,531 200,237 18,663 3,103 369 --- 286,477 Manufacturing & industrial --- 1,309 32,887 49,884 3,844 695 --- --- 88,619 $ 318 $ 13,725 $ 258,833 $ 554,343 $ 43,397 $ 7,421 $ 4,046 $ --- $ 882,083 December 31, 2014 1 2 3 4 5 6 7 8 Total Commercial and industrial $ 343 $ 11,177 $ 118,382 $ 182,651 $ 8,448 $ 1,068 $ 5,605 $ --- $ 327,674 Commercial real estate: Residential developed --- --- 2,491 4,702 4,491 842 245 --- 12,771 Unsecured to residential developers --- --- --- 7,496 --- --- --- --- 7,496 Vacant and unimproved --- --- 12,105 30,997 7,241 29 --- --- 50,372 Commercial development --- --- --- 3,643 211 199 29 --- 4,082 Residential improved --- 103 16,291 43,928 6,428 2,096 766 --- 69,612 Commercial improved --- 4,392 61,543 178,169 20,558 4,229 866 --- 269,757 Manufacturing & industrial --- 1,508 27,396 42,494 4,713 330 --- --- 76,441 $ 343 $ 17,180 $ 238,208 $ 494,080 $ 52,090 $ 8,793 $ 7,511 $ --- $ 818,205 Commercial loans rated a 6 or worse per the Company’s internal risk rating system are considered substandard, doubtful or loss. Commercial loans classified as substandard or worse were as follows at period-end (dollars in thousands): September 30, December 31, Not classified as impaired $ 2,705 $ 4,220 Classified as impaired 8,762 12,084 Total commercial loans classified substandard or worse $ 11,467 $ 16,304 The Company considers the performance of the loan portfolio and its impact on the allowance for loan losses. For consumer loan classes, the Company also evaluates credit quality based on the aging status of the loan, which was previously presented, and by payment activity. The following table presents the recorded investment in consumer loans based on payment activity (dollars in thousands): September 30, 2015 Residential Mortgage Consumer Unsecured Home Equity Consumer Other Performing $ 204,185 $ 678 $ 96,820 $ 9,026 Nonperforming --- --- 72 14 Total $ 204,185 $ 678 $ 96,892 $ 9,040 December 31, 2014 Residential Mortgage Consumer Unsecured Home Equity Consumer Other Performing $ 189,946 $ 930 $ 98,465 $ 10,194 Nonperforming 303 18 422 --- Total $ 190,249 $ 948 $ 98,887 $ 10,194

OTHER REAL ESTATE OWNED

OTHER REAL ESTATE OWNED	9 Months Ended
	Sep. 30, 2015
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): Nine Months Ended September 30, 2015 Year Ended December 31, 2014 Nine Months Ended September 30, 2014 Beginning balance $ 43,071 $ 53,501 $ 53,501 Additions, transfers from loans 1,301 4,932 2,565 Proceeds from sales of other real estate owned (3,613 ) (12,487 ) (9,964 ) Valuation allowance reversal upon sale (427 ) (3,499 ) (3,409 ) Gain (loss) on sale of other real estate owned 237 624 475 40,569 43,071 43,168 Less: valuation allowance (14,898 ) (14,829 ) (14,405 ) Ending balance $ 25,671 $ 28,242 $ 28,763 Activity in the valuation allowance was as follows (dollars in thousands): Nine Months Ended September 30, 2015 Nine Months Ended September 30, 2014 Beginning balance $ 14,829 $ 16,705 Additions charged to expense 496 1,109 Reversals upon sale (427 ) (3,409 ) Ending balance $ 14,898 $ 14,405

FAIR VALUE

FAIR VALUE	9 Months Ended
	Sep. 30, 2015
FAIR VALUE [Abstract]
FAIR VALUE	NOTE 5 – FAIR VALUE ASC Topic 820, Fair Value Measurements and Disclosures 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: Loans Held for Sale: Impaired Loans Other Real Estate Owned 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 Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) September 30, 2015 U.S. Treasury and federal agency securities $ 71,783 $ --- $ 71,783 $ --- U.S. Agency MBS and CMOs 13,935 --- 13,935 --- Tax-exempt state and municipal bonds 35,004 --- 35,004 --- Taxable state and municipal bonds 25,386 --- 25,386 --- Corporate bonds and other debt securities 13,896 --- 13,896 --- Other equity securities 1,511 --- 1,511 --- Loans held for sale 2,895 --- 2,895 --- Interest rate swaps 592 --- --- 592 Interest rate swaps (592 ) --- --- (592 ) December 31, 2014 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 ) Assets measured at fair value on a non-recurring basis are summarized below (in thousands): Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) September 30, 2015 Impaired loans $ 8,247 $ --- $ --- $ 8,247 Other real estate owned 22,808 --- --- 22,808 December 31, 2014 Impaired loans $ 12,649 $ --- $ --- $ 12,649 Other real estate owned 22,472 --- --- 22,472 Quantitative information about Level 3 fair value measurements measured on a non-recurring basis were as follows at period end (dollars in thousands): Asset (Liability) Fair Value Valuation Technique Unobservable Inputs Range (%) September 30, 2015 Impaired Loans $ 8,247 Sales comparison approach Adjustment for differences between comparable sales 5.0 to 19.0 Income approach Capitalization rate 9.5 to 11.0 Other real estate owned 22,808 Sales comparison approach Adjustment for differences between comparable sales 7.0 to 23.0 Income approach Capitalization rate 9.5 to 11.0 Asset (Liability) Fair Value Valuation Technique Unobservable Inputs Range (%) December 31, 2014 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 The carrying amounts and estimated fair values of financial instruments, not previously presented, were as follows at September 30, 2015 and December 31, 2014 (dollars in thousands). Level in September 30, 2015 December 31, 2014 Fair Value Hierarchy Carrying Amount Fair Value Carrying Amount Fair Value Financial assets Cash and due from banks Level 1 $ 23,468 23,468 $ 31,503 $ 31,503 Cash equivalents Level 2 100,285 100,285 97,952 97,952 Interest-bearing time deposits in other financial institutions Level 2 20,000 20,034 20,000 20,062 Securities held to maturity Level 3 40,434 41,624 31,585 31,428 FHLB stock 11,558 NA 11,238 NA Loans, net Level 2 1,166,414 1,159,672 1,086,872 1,082,675 Bank owned life insurance Level 3 28,697 28,697 28,195 28,195 Accrued interest receivable Level 2 3,778 3,778 3,399 3,399 Financial liabilities Deposits Level 2 (1,366,849 ) (1,366,798 ) (1,306,325 ) (1,306,671 ) Other borrowed funds Level 2 (96,169 ) (97,632 ) (88,107 ) (89,066 ) Long-term debt Level 2 (41,238 ) (35,757 ) (41,238 ) (35,396 ) Accrued interest payable Level 2 (269 ) (269 ) (289 ) (289 ) Off-balance sheet credit-related items Loan commitments --- --- --- --- The methods and assumptions used to estimate fair value are described as follows. Carrying amount is the estimated fair value for cash and cash equivalents, bank owned life insurance, accrued interest receivable and payable, demand deposits, short-term borrowings and variable rate loans or deposits that reprice frequently and fully. Security fair values are determined by matrix pricing, which is a mathematical technique widely used in the industry to value debt securities as discussed above. For fixed rate loans, interest-bearing time deposits in other financial institutions, or deposits and for variable rate loans or deposits with infrequent repricing or repricing limits, fair value is based on discounted cash flows using current market rates applied to the estimated life and credit risk (including consideration of widening credit spreads). Fair value of debt is based on current rates for similar financing. It was not practicable to determine the fair value of FHLB stock due to restrictions placed on its transferability. The fair value of off-balance sheet credit-related items is not significant.

DEPOSITS

DEPOSITS	9 Months Ended
	Sep. 30, 2015
DEPOSITS [Abstract]
DEPOSITS	NOTE 6 – DEPOSITS Deposits are summarized as follows (in thousands): September 30, 2015 December 31, 2014 Noninterest-bearing demand $ 442,316 $ 404,143 Interest bearing demand 338,050 340,053 Savings and money market accounts 496,293 442,246 Certificates of deposit 90,190 119,883 $ 1,366,849 $ 1,306,325 Approximately $32.3 million and $50.1 million in certificates of deposit were in denominations of $100,000 or more at September 30, 2015 and December 31, 2014, respectively.

OTHER BORROWED FUNDS

OTHER BORROWED FUNDS	9 Months Ended
	Sep. 30, 2015
OTHER BORROWED FUNDS [Abstract]
OTHER BORROWED FUNDS	NOTE 7 - OTHER BORROWED FUNDS Other borrowed funds include advances from the Federal Home Loan Bank and borrowings from the Federal Reserve Bank. Federal Home Loan Bank Advances At period-end, advances from the Federal Home Loan Bank were as follows (dollars in thousands): Principal Terms Advance Amount Range of Maturities Weighted Average Interest Rate September 30, 2015 Single maturity fixed rate advances $ 90,000 August 2016 to March 2020 1.69 % Amortizable mortgage advances 6,169 March 2018 to July 2018 3.78 % $ 96,169 Principal Terms Advance Amount Range of Maturities Average Interest Rate December 31, 2014 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 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 $452,689,000 and $441,252,000 under a blanket lien arrangement at September 30, 2015 and December 31, 2014, respectively. Scheduled repayments of FHLB advances as of September 30, 2015 were as follows (in thousands): 2015 $ --- 2016 21,996 2017 2,055 2018 52,118 2019 10,000 Thereafter 10,000 $ 96,169 Federal Reserve Bank borrowings The Company has a financing arrangement with the Federal Reserve Bank. There were no borrowings outstanding at September 30, 2015 and December 31, 2014, and the Company had approximately $22.7 million and $22.8 million in unused borrowing capacity based on commercial and mortgage loans pledged to the Federal Reserve Bank totaling $25.8 million and $25.9 million at September 30, 2015 and December 31, 2014, respectively.

EARNINGS PER COMMON SHARE

EARNINGS PER COMMON SHARE	9 Months Ended
	Sep. 30, 2015
EARNINGS PER COMMON SHARE [Abstract]
EARNINGS PER COMMON SHARE	NOTE 8 - EARNINGS PER COMMON SHARE A reconciliation of the numerators and denominators of basic and diluted earnings per common share for the three and nine month periods ended September 30, 2015 and 2014 are as follows (dollars in thousands, except per share data): Three Months Ended September 30, 2015 Three Months Ended September 30, 2014 Nine Months Ended September 30, 2015 Nine Months Ended September 30, 2014 Net income available to common shares $ 3,201 $ 2,762 $ 9,256 $ 8,155 Weighted average shares outstanding, including participating stock awards - 33,866,789 33,795,384 33,866,789 33,791,470 Dilutive potential common shares: Stock options --- --- --- --- Stock warrants --- --- --- --- Weighted average shares outstanding - 33,866,789 33,795,384 33,866,789 33,791,470 Basic earnings per common share $ 0.09 $ 0.08 $ 0.27 $ 0.24 Diluted earnings per common share $ 0.09 $ 0.08 $ 0.27 $ 0.24 Stock options for 200,483 shares of common stock for both the three and nine month periods ended September 30, 2015 were not considered in computing diluted earnings per share because they were antidilutive. Stock options for 351,195 shares of common stock for both the three and nine month periods ended September 30, 2014 were not considered in computing diluted earnings per share because they were antidilutive.

FEDERAL INCOME TAXES

FEDERAL INCOME TAXES	9 Months Ended
	Sep. 30, 2015
FEDERAL INCOME TAXES [Abstract]
FEDERAL INCOME TAXES	NOTE 9 - FEDERAL INCOME TAXES Income tax expense was as follows (dollars in thousands): Three Months Ended September 30, 2015 Three Months Ended September 30, 2014 Nine Months Ended September 30, 2015 Nine Months Ended September 30, 2014 Current $ 1,381 $ 651 $ 2,710 $ 711 Deferred 19 555 1,355 2,903 $ 1,400 $ 1,206 $ 4,065 $ 3,614 The difference between the financial statement tax expense and amount computed by applying the statutory federal tax rate to pretax income was reconciled as follows (dollars in thousands): Three Months Ended September 30, 2015 Three Months Ended September 30, 2014 Nine Months Ended September 30, 2015 Nine Months Ended September 30, 2014 Statutory rate 35 % 35 % 35 % 35 % Statutory rate applied to income before taxes $ 1,611 $ 1,389 $ 4,663 $ 4,119 Add (deduct) Tax-exempt interest income (135 ) (104 ) (379 ) (278 ) Bank-owned life insurance (59 ) (62 ) (176 ) (177 ) Other, net (17 ) (17 ) (43 ) (50 ) $ 1,400 $ 1,206 $ 4,065 $ 3,614 The realization of deferred tax assets (net of a recorded valuation allowance) is largely dependent upon future taxable income, future reversals of existing taxable temporary differences and the ability to carryback losses to available tax years. In assessing the need for a valuation allowance, we consider positive and negative evidence, including taxable income in carry-back years, scheduled reversals of deferred tax liabilities, expected future taxable income and tax planning strategies. No valuation allowance was necessary at September 30, 2015 or December 31, 2014. The net deferred tax asset recorded included the following amounts of deferred tax assets and liabilities (dollars in thousands): September 30, 2015 December 31, 2014 Deferred tax assets Allowance for loan losses $ 6,376 $ 6,637 Nonaccrual loan interest 847 935 Valuation allowance on other real estate owned 5,214 5,190 Unrealized loss on securities available for sale --- --- Other 692 1,896 Gross deferred tax assets 13,129 14,658 Valuation allowance --- --- Total net deferred tax assets 13,129 14,658 Deferred tax liabilities Depreciation (1,637 ) (1,908 ) Prepaid expenses (192 ) (21 ) Unrealized gain on securities available for sale (338 ) (33 ) Other (357 ) (431 ) Gross deferred tax liabilities (2,524 ) (2,393 ) Net deferred tax asset $ 10,605 $ 12,265 There were no unrecognized tax benefits at September 30, 2015 or December 31, 2014 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 2012.

COMMITMENTS AND OFF BALANCE-SHE

COMMITMENTS AND OFF BALANCE-SHEET RISK	9 Months Ended
	Sep. 30, 2015
COMMITMENTS AND OFF BALANCE-SHEET RISK [Abstract]
COMMITMENTS AND OFF BALANCE-SHEET RISK	NOTE 10 – COMMITMENTS AND OFF BALANCE-SHEET RISK Some financial instruments are used to meet customer financing needs and to reduce exposure to interest rate changes. These financial instruments include commitments to extend credit and standby letters of credit. These involve, to varying degrees, credit and interest rate risk in excess of the amount reported in the financial statements. Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the commitment, and generally have fixed expiration dates. Standby letters of credit are conditional commitments to guarantee a customer’s performance to a third party. Exposure to credit loss if the other party does not perform is represented by the contractual amount for commitments to extend credit and standby letters of credit. Collateral or other security is normally not obtained for these financial instruments prior to their use and many of the commitments are expected to expire without being used. A summary of the contractual amounts of financial instruments with off‑balance‑sheet risk was as follows at period-end (dollars in thousands): September 30, 2015 December 31, 2014 Commitments to make loans $ 112,492 $ 81,274 Letters of credit 12,240 11,862 Unused lines of credit 420,637 389,099 The notional amount of commitments to fund mortgage loans to be sold into the secondary market was approximately $24.5 million and $14.2 million at September 30, 2015 and December 31, 2014, respectively. At September 30, 2015, approximately 53.2% of the Bank’s commitments to make loans were at fixed rates, offered at current market rates. The remainder of the commitments to make loans were at variable rates tied to prime or 1-month LIBOR and generally expire within 30 days. The majority of the unused lines of credit were at variable rates tied to prime.

CONTINGENCIES

CONTINGENCIES	9 Months Ended
	Sep. 30, 2015
CONTINGENCIES [Abstract]
CONTINGENCIES	NOTE 11 – 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. The amounts due were paid to Mr. Smith during the first quarter of 2015. As of September 30, 2015, there were no 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	9 Months Ended
	Sep. 30, 2015
SHAREHOLDERS' EQUITY [Abstract]
SHAREHOLDERS' EQUITY	NOTE 12 – SHAREHOLDERS' EQUITY Regulatory Capital The Company and the Bank are subject to regulatory capital requirements administered by federal banking agencies. Capital adequacy guidelines and prompt corrective action regulations involve quantitative measures of assets, liabilities, and certain off-balance-sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by regulators about components, risk weightings, and other factors, and the regulators can lower classifications in certain cases. Failure to meet various capital requirements can initiate regulatory action that could have a direct material effect on the financial statements. The prompt corrective action regulations provide five categories, including well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized, and critically undercapitalized, although these terms are not used to represent overall financial condition. If a bank is only adequately capitalized, regulatory approval is required to, among other things, accept, renew or roll-over brokered deposits. If a bank is undercapitalized, capital distributions and growth and expansion are limited, and plans for capital restoration are required. In July 2013, the Board of Governors of the Federal Reserve Board and the FDIC approved the final rules implementing the Basel Committee on Banking Supervision's capital guidelines for U.S. banks (commonly known as Basel III). Under the final rules, which began for the Company and the Bank on January 1, 2015 and are subject to a phase-in period through January 1, 2019, minimum requirements will increase for both the quantity and quality of capital held by the Company and the Bank. The rules include a new common equity Tier 1 capital to risk-weighted assets ratio (CET1 ratio) of 4.5% and a capital conservation buffer of 2.5% of risk-weighted assets, which when fully phased-in, effectively results in a minimum CET1 ratio of 7.0%. Basel III raises the minimum ratio of Tier 1 capital to risk-weighted assets from 4.0% to 6.0% (which, with the capital conservation buffer, effectively results in a minimum Tier 1 capital ratio of 8.5% when fully phased-in), effectively results in a minimum total capital to risk-weighted assets ratio of 10.5% (with the capital conservation buffer fully phased-in), and requires a minimum leverage ratio of 4.0%. Basel III also makes changes to risk weights for certain assets and off-balance-sheet exposures. At September 30, 2015 and December 31, 2014, actual capital levels and minimum required levels were (dollars in thousands): Actual Minimum Required For Capital Adequacy Purposes To Be Well Capitalized Under Prompt Corrective Action Regulations Amount Ratio Amount Ratio Amount Ratio September 30, 2015 CET1 capital (to risk weighted assets) Consolidated $ 149,105 10.5 % $ 63,683 4.5 % N/A N/A Bank 183,701 13.0 63,674 4.5 $ 91,973 6.5 % Tier 1 capital (to risk weighted assets) Consolidated 189,105 13.4 84,911 6.0 N/A N/A Bank 183,701 13.0 84,899 6.0 113,198 8.0 Total capital (to risk weighted assets) Consolidated 206,806 14.6 113,215 8.0 N/A N/A Bank 201,400 14.2 113,198 8.0 141,498 10.0 Tier 1 capital (to average assets) Consolidated 189,105 11.3 66,686 4.0 N/A N/A Bank 183,701 11.0 66,618 4.0 83,272 5.0 December 31, 2014 Tier 1 capital (to risk weighted assets) Consolidated $ 174,084 14.3 % $ 48,706 4.0 % N/A N/A Bank 170,983 14.0 48,788 4.0 $ 73,182 6.0 % Total capital (to risk weighted assets) Consolidated 189,353 15.6 97,420 8.0 N/A N/A Bank 186,276 15.3 97,575 8.0 121,969 10.0 Tier 1 capital (to average assets) Consolidated 174,084 11.6 59,998 4.0 N/A N/A Bank 170,983 11.4 59,923 4.0 74,904 5.0 Approximately $40.0 million of trust preferred securities outstanding at September 30, 2015 and December 31, 2014, respectively, qualified as Tier 1 capital. Refer to our 2014 Form 10-K for more information on the trust preferred securities. The Bank was categorized as "well capitalized" at September 30, 2015 and December 31, 2014. 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 were issued in two issuances. 1,361,753 warrants were issued on June 18, 2009 and these warrants expired on June 17, 2015 (five years after commencement of exercise period), with 392 warrants having been executed during the exercise period. The remaining warrants expired unused. 117,058 warrants were issued on July 28, 2009 and these warrants expired on July 27, 2015 (five years after commencement of exercise period).

SUMMARY OF SIGNIFICANT ACCOUN21

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	9 Months Ended
	Sep. 30, 2015
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Principles of Consolidation	Principles of Consolidation Macatawa Bank is a Michigan chartered bank with depository accounts insured by the Federal Deposit Insurance Corporation. The Bank operates 26 full service branch offices providing a full range of commercial and consumer banking and trust services in Kent County, Ottawa County, and northern Allegan County, Michigan. The Company owns all of the common stock of Macatawa Statutory Trust I and Macatawa Statutory Trust II. These are grantor trusts that issued trust preferred securities and are not consolidated with the Company under accounting principles generally accepted in the United States of America.
Basis of Presentation	Basis of Presentation: Operating results for the three and nine month periods ended September 30, 2015 are not necessarily indicative of the results that may be expected for the year ending December 31, 2015. For further information, refer to the consolidated financial statements and related notes included in the Company's Annual Report on Form 10-K for the year ended December 31, 2014.
Use of Estimates	Use of Estimates
Allowance for Loan Losses	Allowance for Loan Losses The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired. The general component covers non-classified loans and is based on historical loss experience adjusted for current qualitative factors. The Company maintains a loss migration analysis that tracks loan losses and recoveries based on loan class and the loan risk grade assignment for commercial loans. At September 30, 2015, an 18 month annualized historical loss experience was used for commercial loans and a 12 month historical loss experience period was applied to residential mortgage loans and consumer loans. These historical loss percentages are adjusted (both upwards and downwards) for certain qualitative factors, including economic trends, credit quality trends, valuation trends, concentration risk, quality of loan review, changes in personnel, external factors and other considerations. A loan is impaired when, based on current information and events, it is believed to be probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans for which the terms have been modified and a concession has been made, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings and classified as impaired. Commercial and commercial real estate loans with relationship balances exceeding $500,000 and an internal risk grading of 6 or worse are evaluated for impairment. If a loan is impaired, a portion of the allowance is allocated and the loan is reported at the present value of estimated future cash flows using the loan’s existing interest rate or at the fair value of collateral, less estimated costs to sell, if repayment is expected solely from the collateral. Large groups of smaller balance homogeneous loans, such as consumer and residential real estate loans, are collectively evaluated for impairment and they are not separately identified for impairment disclosures. Troubled debt restructurings are also considered impaired with impairment generally measured at the present value of estimated future cash flows using the loan’s effective rate at inception or using the fair value of collateral, less estimated costs to sell, if repayment is expected solely from the collateral.
Foreclosed Assets	Foreclosed Assets
Income Taxes	Income Taxes We recognize a tax position as a benefit only if it is "more likely than not" that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the "more likely than not" test, no tax benefit is recorded. We recognize interest and penalties related to income tax matters in income tax expense.
Derivatives	Derivatives
Reclassifications	Reclassifications:
Adoption of New Accounting Standards	Adoption of New Accounting Standards The Financial Accounting Standards Board (“FASB”) has issued Accounting Standards Update (ASU) No. 2014-04, Receivables - Troubled Debt Restructurings by Creditors (Subtopic 310-40) - Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure a b 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. FASB issued ASU 2014-14, Classification of Certain Government-Guaranteed Mortgage Loans upon Foreclosure. Newly Issued Not Yet Effective Standards: FASB issued ASU 2014-09, Revenue from Contracts with Customers (Topic 606). Other Assets and Deferred Costs: Contracts with Customers Revenue from Contracts with Customers (Topic 606) – Deferral of the Effective Date FASB issued ASU 2015-03, Simplifying the Presentation of Debt Issuance Costs FASB issued ASU 2015-05, Customer’s Accounting for Fees Paid in a Cloud Computing Arrangement FASB issued ASU 2015-12, Plan Accounting: Defined Benefit Pension Plans (Topic 960), Defined Contribution Pension Plans (Topic 962), Health and Welfare Benefit Plans (Topic 965)—(Part I) Fully Benefit-Responsive Investment Contracts, (Part II) Plan Investment Disclosures, (Part III) Measurement Date Practical Expedient (consensuses of the Emerging Issues Task Force)

SECURITIES (Tables)

SECURITIES (Tables)	9 Months Ended
	Sep. 30, 2015
SECURITIES [Abstract]
Amortized cost and fair value of securities	The amortized cost and fair value of securities at period-end were as follows (dollars in thousands): Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value September 30, 2015 Available for Sale: U.S. Treasury and federal agency securities $ 71,594 231 (42 ) $ 71,783 U.S. Agency MBS and CMOs 13,874 88 (27 ) 13,935 Tax-exempt state and municipal bonds 34,698 423 (117 ) 35,004 Taxable state and municipal bonds 25,015 374 (3 ) 25,386 Corporate bonds and other debt securities 13,868 40 (12 ) 13,896 Other equity securities 1,500 11 --- 1,511 $ 160,549 $ 1,167 $ (201 ) $ 161,515 Held to Maturity Tax-exempt state and municipal bonds $ 40,434 $ 1,190 $ --- $ 41,624 December 31, 2014 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
Contractual maturities of debt securities	Contractual maturities of debt securities at September 30, 2015 were as follows (dollars in thousands): Held–to-Maturity Securities Available-for-Sale Securities Amortized Cost Fair Value Amortized Cost Fair Value Due in one year or less $ 13,156 $ 13,221 $ 7,195 $ 7,235 Due from one to five years 9,769 9,982 98,012 98,565 Due from five to ten years 15,319 16,098 38,039 38,308 Due after ten years 2,190 2,323 15,803 15,896 $ 40,434 $ 41,624 $ 159,049 $ 160,004
Securities in continuous unrealized loss position	Securities with unrealized losses at September 30, 2015 and December 31, 2014, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, were as follows (dollars in thousands): Less than 12 Months 12 Months or More Total September 30, 2015 Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss U.S. Treasury and federal agency securities $ 12,994 $ (6 ) $ 9,795 $ (36 ) $ 22,789 $ (42 ) U.S. Agency MBS and CMOs 5,837 (27 ) --- --- 5,837 (27 ) Tax-exempt state and municipal bonds 7,271 (50 ) 1,993 (67 ) 9,264 (117 ) Taxable state and municipal bonds --- --- 648 (3 ) 648 (3 ) Corporate bonds and other debt securities 3,851 (8 ) 498 (4 ) 4,349 (12 ) Other equity securities --- --- --- --- --- --- Total temporarily impaired $ 29,953 $ (91 ) $ 12,934 $ (110 ) $ 42,887 $ (201 ) Less than 12 Months 12 Months or More Total December 31, 2014 Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized 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 )

LOANS (Tables)

LOANS (Tables)	9 Months Ended
	Sep. 30, 2015
LOANS [Abstract]
Portfolio loans	Portfolio loans were as follows (dollars in thousands): September 30, 2015 December 31, 2014 Commercial and industrial $ 376,966 $ 327,674 Commercial real estate: Residential developed 10,937 12,771 Unsecured to residential developers 7,103 7,496 Vacant and unimproved 41,436 50,372 Commercial development 1,472 4,082 Residential improved 69,073 69,612 Commercial improved 286,477 269,757 Manufacturing and industrial 88,619 76,441 Total commercial real estate 505,117 490,531 Consumer Residential mortgage 204,185 190,249 Unsecured 678 948 Home equity 96,892 98,887 Other secured 9,040 10,194 Total consumer 310,795 300,278 Total loans 1,192,878 1,118,483 Allowance for loan losses (18,217 ) (18,962 ) $ 1,174,661 $ 1,099,521
Activity in allowance for loan losses by portfolio segment	Activity in the allowance for loan losses by portfolio segment was as follows (dollars in thousands): Three months ended September 30, 2015 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Beginning balance $ 6,381 7,940 $ 3,831 $ 30 $ 18,182 Charge-offs --- --- (170 ) --- (170 ) Recoveries 238 104 113 --- 455 Provision for loan losses (725 ) 343 135 (3 ) (250 ) Ending Balance $ 5,894 $ 8,387 $ 3,909 $ 27 $ 18,217 Three months ended September 30, 2014 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Beginning balance $ 6,721 $ 9,341 $ 3,933 $ 54 $ 20,049 Charge-offs (4 ) --- (116 ) --- (120 ) Recoveries 75 336 39 --- 450 Provision for loan losses (394 ) (407 ) 60 (9 ) (750 ) Ending Balance $ 6,398 $ 9,270 $ 3,916 $ 45 $ 19,629 Nine months ended September 30, 2015 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Beginning balance $ 6,173 $ 8,690 $ 4,046 $ 53 $ 18,962 Charge-offs (172 ) --- (277 ) --- (449 ) Recoveries 365 829 260 --- 1,454 Provision for loan losses (472 ) (1,132 ) (120 ) (26 ) (1,750 ) Ending Balance $ 5,894 $ 8,387 $ 3,909 $ 27 $ 18,217 Nine months ended September 30, 2014 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Beginning balance $ 6,174 $ 10,868 $ 3,703 $ 53 $ 20,798 Charge-offs (43 ) (23 ) (228 ) --- (294 ) Recoveries 440 1,289 146 --- 1,875 Provision for loan losses (173 ) (2,864 ) 295 (8 ) (2,750 ) Ending Balance $ 6,398 $ 9,270 $ 3,916 $ 45 $ 19,629
Allowance for loan losses and recorded investment in loans by portfolio segment based on impairment method	The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method (dollars in thousands): September 30, 2015 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total Allowance for loan losses: Ending allowance attributable to loans: Individually reviewed for impairment $ 1,882 $ 710 $ 887 $ --- $ 3,479 Collectively evaluated for impairment 4,012 7,677 3,022 27 14,738 Total ending allowance balance $ 5,894 $ 8,387 $ 3,909 $ 27 $ 18,217 Loans: Individually reviewed for impairment $ 5,737 $ 21,866 $ 13,818 $ --- $ 41,421 Collectively evaluated for impairment 371,229 483,251 296,977 --- 1,151,457 Total ending loans balance $ 376,966 $ 505,117 $ 310,795 $ --- $ 1,192,878 December 31, 2014 Commercial and Industrial Commercial Real Estate Consumer Unallocated Total 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
Loans individually evaluated for impairment by class of loans	The following table presents loans individually evaluated for impairment by class of loans as of September 30, 2015 (dollars in thousands): September 30, 2015 Unpaid Principal Balance Recorded Investment Allowance Allocated With no related allowance recorded: Commercial and industrial $ 882 $ 882 $ --- Commercial real estate: Residential developed --- --- --- Unsecured to residential developers --- --- --- Vacant and unimproved --- --- --- Commercial development --- --- --- Residential improved 5 5 --- Commercial improved 296 296 --- Manufacturing and industrial 584 584 --- 885 885 --- Consumer: Residential mortgage --- --- --- Unsecured --- --- --- Home equity --- --- --- Other secured --- --- --- --- --- --- $ 1,767 $ 1,767 $ --- With an allowance recorded: Commercial and industrial $ 4,855 $ 4,855 $ 1,882 Commercial real estate: Residential developed 463 463 32 Unsecured to residential developers --- --- --- Vacant and unimproved 331 331 8 Commercial development 193 193 5 Residential improved 5,684 5,684 169 Commercial improved 13,939 13,939 490 Manufacturing and industrial 371 371 6 20,981 20,981 710 Consumer: Residential mortgage 8,718 8,718 537 Unsecured --- --- --- Home equity 5,100 5,100 350 Other secured --- --- --- 13,818 13,818 887 $ 39,654 $ 39,654 $ 3,479 Total $ 41,421 $ 41,421 $ 3,479 The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2014 (dollars in thousands): December 31, 2014 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
Average balances of impaired loans and interest recognized on impaired loans	The following table presents information regarding average balances of impaired loans and interest recognized on impaired loans for the three and nine month periods ended September 30, 2015 and 2014 (dollars in thousands): Three Months Ended September 30, 2015 Three Months Ended September 30, 2014 Nine Months Ended September 30, 2015 Nine Months Ended September 30, 2014 Average of impaired loans during the period: Commercial and industrial $ 5,416 $ 10,469 $ 7,401 $ 12,220 Commercial real estate: Residential developed 507 3,801 709 4,139 Unsecured to residential developers --- --- --- --- Vacant and unimproved 1,028 1,593 1,311 1,688 Commercial development 193 443 195 484 Residential improved 6,241 8,771 6,974 9,685 Commercial improved 14,835 17,876 15,985 18,100 Manufacturing and industrial 2,053 5,131 2,470 6,085 Consumer 14,090 14,544 14,485 14,453 Interest income recognized during impairment: Commercial and industrial 215 359 833 970 Commercial real estate 239 401 853 1,309 Consumer 119 131 383 400 Cash-basis interest income recognized Commercial and industrial 212 353 833 968 Commercial real estate 240 406 850 1,328 Consumer 120 133 387 404
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 September 30, 2015 and December 31, 2014: September 30, 2015 Nonaccrual Over 90 days Accruing Commercial and industrial $ 3,119 $ --- Commercial real estate: Residential developed 363 --- Unsecured to residential developers --- --- Vacant and unimproved --- --- Commercial development 49 --- Residential improved 140 --- Commercial improved 370 --- Manufacturing and industrial --- --- 922 --- Consumer: Residential mortgage 42 --- Unsecured 31 --- Home equity 11 72 Other secured 14 --- 98 72 Total $ 4,139 $ 72 December 31, 2014 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
Aging of recorded investment in past due loans by class of loans	The following tables present the aging of the recorded investment in past due loans as of September 30, 2015 and December 31, 2014 by class of loans (dollars in thousands): September 30, 2015 30-90 Days Greater Than 90 Days Total Past Due Loans Not Past Due Total Commercial and industrial $ 397 $ 100 $ 497 $ 376,469 $ 376,966 Commercial real estate: Residential developed 172 --- 172 10,765 10,937 Unsecured to residential developers --- --- --- 7,103 7,103 Vacant and unimproved --- --- --- 41,436 41,436 Commercial development --- 49 49 1,423 1,472 Residential improved 296 6 302 68,771 69,073 Commercial improved 1,090 197 1,287 285,190 286,477 Manufacturing and industrial 378 --- 378 88,241 88,619 1,936 252 2,188 502,929 505,117 Consumer: Residential mortgage 115 --- 115 204,070 204,185 Unsecured 33 --- 33 645 678 Home equity 17 72 89 96,803 96,892 Other secured --- 14 14 9,026 9,040 165 86 251 310,544 310,795 Total $ 2,498 $ 438 $ 2,936 $ 1,189,942 $ 1,192,878 December 31, 2014 30-90 Days Greater Than 90 Days Total Past Due Loans Not Past Due Total 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
Troubled debt restructurings	The following table presents information regarding troubled debt restructurings as of September 30, 2015 and December 31, 2014 (dollars in thousands): September 30, 2015 December 31, 2014 Number of Loans Outstanding Recorded Balance Number of Loans Outstanding Recorded Balance Commercial and industrial 33 $ 5,737 36 $ 9,085 Commercial real estate 63 22,064 84 29,817 Consumer 128 13,818 106 14,495 224 $ 41,619 226 $ 53,397 The following table presents information related to accruing troubled debt restructurings as of September 30, 2015 and December 31, 2014. 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 each period reported (dollars in thousands): September 30, 2015 December 31, 2014 Accruing TDR - nonaccrual at restructuring $ --- $ --- Accruing TDR - accruing at restructuring 37,986 46,197 Accruing TDR - upgraded to accruing after six consecutive payments --- --- $ 37,986 $ 46,197 The following tables present information regarding troubled debt restructurings executed during the three and nine month periods ended September 30, 2015 and 2014 (dollars in thousands): Three Months Ended September 30, 2015 Number of Loans Pre-Modification Outstanding Recorded Balance Principal Writedown upon Modification Commercial and industrial 2 $ 114 $ --- Commercial real estate --- --- --- Consumer 1 41 --- 3 $ 155 $ --- Three Months Ended September 30, 2014 Number of Loans Pre-Modification Outstanding Recorded Balance Principal Writedown upon Modification Commercial and industrial --- $ --- $ --- Commercial real estate --- --- --- Consumer 8 183 --- 8 $ 183 $ --- Nine Months Ended September 30, 2015 Number of Loans Pre-Modification Outstanding Recorded Balance Principal Writedown upon Modification Commercial and industrial 3 $ 522 $ --- Commercial real estate 1 42 --- Consumer 32 870 --- 36 $ 1,434 $ --- Nine Months Ended September 30, 2014 Number of Loans Pre-Modification Outstanding Recorded Balance Principal Writedown upon Modification Commercial and industrial 1 $ 61 $ --- Commercial real estate 10 4,046 --- Consumer 10 257 --- 21 $ 4,364 $ ---
Troubled debt restructured loans that defaulted during the period	The tables below present, by class, information regarding troubled debt restructured loans which had payment defaults during the three and nine month periods ended September 30, 2015 and 2014 (dollars in thousands). Included are loans that became delinquent more than 90 days past due or transferred to nonaccrual within 12 months of restructuring. Three Months Ended September 30, 2015 Three Months Ended September 30, 2014 Number of Loans Outstanding Recorded Balance Number of Loans Outstanding Recorded Balance Commercial and industrial --- $ --- --- $ --- Commercial real estate --- --- --- --- Consumer 1 10 --- --- Nine Months Ended September 30, 2015 Nine Months Ended September 30, 2014 Number of Loans Outstanding Recorded Balance Number of Loans Outstanding Recorded Balance Commercial and industrial --- $ --- --- $ --- Commercial real estate --- --- 1 131 Consumer 1 10 --- ---
Risk grade category of loans by class of loans	As of September 30, 2015 and December 31, 2014, the risk grade category of commercial loans by class of loans were as follows (dollars in thousands): September 30, 2015 1 2 3 4 5 6 7 8 Total Commercial and industrial $ 318 8,842 130,378 224,831 8,127 1,352 3,118 $ --- $ 376,966 Commercial real estate: Residential developed --- --- 2,207 5,454 2,615 291 370 --- 10,937 Unsecured to residential developers --- --- --- 7,103 --- --- --- --- 7,103 Vacant and unimproved --- --- 14,972 21,017 5,447 --- --- --- 41,436 Commercial development --- --- --- 1,230 --- 193 49 --- 1,472 Residential improved --- --- 17,858 44,587 4,701 1,787 140 --- 69,073 Commercial improved --- 3,574 60,531 200,237 18,663 3,103 369 --- 286,477 Manufacturing & industrial --- 1,309 32,887 49,884 3,844 695 --- --- 88,619 $ 318 $ 13,725 $ 258,833 $ 554,343 $ 43,397 $ 7,421 $ 4,046 $ --- $ 882,083 December 31, 2014 1 2 3 4 5 6 7 8 Total Commercial and industrial $ 343 $ 11,177 $ 118,382 $ 182,651 $ 8,448 $ 1,068 $ 5,605 $ --- $ 327,674 Commercial real estate: Residential developed --- --- 2,491 4,702 4,491 842 245 --- 12,771 Unsecured to residential developers --- --- --- 7,496 --- --- --- --- 7,496 Vacant and unimproved --- --- 12,105 30,997 7,241 29 --- --- 50,372 Commercial development --- --- --- 3,643 211 199 29 --- 4,082 Residential improved --- 103 16,291 43,928 6,428 2,096 766 --- 69,612 Commercial improved --- 4,392 61,543 178,169 20,558 4,229 866 --- 269,757 Manufacturing & industrial --- 1,508 27,396 42,494 4,713 330 --- --- 76,441 $ 343 $ 17,180 $ 238,208 $ 494,080 $ 52,090 $ 8,793 $ 7,511 $ --- $ 818,205
Commercial loans classified as substandard or worse	Commercial loans rated a 6 or worse per the Company’s internal risk rating system are considered substandard, doubtful or loss. Commercial loans classified as substandard or worse were as follows at period-end (dollars in thousands): September 30, December 31, Not classified as impaired $ 2,705 $ 4,220 Classified as impaired 8,762 12,084 Total commercial loans classified substandard or worse $ 11,467 $ 16,304
Recorded investment in consumer loans based on payment activity	The following table presents the recorded investment in consumer loans based on payment activity (dollars in thousands): September 30, 2015 Residential Mortgage Consumer Unsecured Home Equity Consumer Other Performing $ 204,185 $ 678 $ 96,820 $ 9,026 Nonperforming --- --- 72 14 Total $ 204,185 $ 678 $ 96,892 $ 9,040 December 31, 2014 Residential Mortgage Consumer Unsecured Home Equity Consumer Other Performing $ 189,946 $ 930 $ 98,465 $ 10,194 Nonperforming 303 18 422 --- Total $ 190,249 $ 948 $ 98,887 $ 10,194

OTHER REAL ESTATE OWNED (Tables

OTHER REAL ESTATE OWNED (Tables)	9 Months Ended
	Sep. 30, 2015
OTHER REAL ESTATE OWNED [Abstract]
Period-end other real estate owned	Other real estate owned was as follows (dollars in thousands): Nine Months Ended September 30, 2015 Year Ended December 31, 2014 Nine Months Ended September 30, 2014 Beginning balance $ 43,071 $ 53,501 $ 53,501 Additions, transfers from loans 1,301 4,932 2,565 Proceeds from sales of other real estate owned (3,613 ) (12,487 ) (9,964 ) Valuation allowance reversal upon sale (427 ) (3,499 ) (3,409 ) Gain (loss) on sale of other real estate owned 237 624 475 40,569 43,071 43,168 Less: valuation allowance (14,898 ) (14,829 ) (14,405 ) Ending balance $ 25,671 $ 28,242 $ 28,763
Activity in valuation allowance	Activity in the valuation allowance was as follows (dollars in thousands): Nine Months Ended September 30, 2015 Nine Months Ended September 30, 2014 Beginning balance $ 14,829 $ 16,705 Additions charged to expense 496 1,109 Reversals upon sale (427 ) (3,409 ) Ending balance $ 14,898 $ 14,405

FAIR VALUE (Tables)

FAIR VALUE (Tables)	9 Months Ended
	Sep. 30, 2015
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 Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) September 30, 2015 U.S. Treasury and federal agency securities $ 71,783 $ --- $ 71,783 $ --- U.S. Agency MBS and CMOs 13,935 --- 13,935 --- Tax-exempt state and municipal bonds 35,004 --- 35,004 --- Taxable state and municipal bonds 25,386 --- 25,386 --- Corporate bonds and other debt securities 13,896 --- 13,896 --- Other equity securities 1,511 --- 1,511 --- Loans held for sale 2,895 --- 2,895 --- Interest rate swaps 592 --- --- 592 Interest rate swaps (592 ) --- --- (592 ) December 31, 2014 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 )
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 Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) September 30, 2015 Impaired loans $ 8,247 $ --- $ --- $ 8,247 Other real estate owned 22,808 --- --- 22,808 December 31, 2014 Impaired loans $ 12,649 $ --- $ --- $ 12,649 Other real estate owned 22,472 --- --- 22,472
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 period end (dollars in thousands): Asset (Liability) Fair Value Valuation Technique Unobservable Inputs Range (%) September 30, 2015 Impaired Loans $ 8,247 Sales comparison approach Adjustment for differences between comparable sales 5.0 to 19.0 Income approach Capitalization rate 9.5 to 11.0 Other real estate owned 22,808 Sales comparison approach Adjustment for differences between comparable sales 7.0 to 23.0 Income approach Capitalization rate 9.5 to 11.0 Asset (Liability) Fair Value Valuation Technique Unobservable Inputs Range (%) December 31, 2014 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
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 September 30, 2015 and December 31, 2014 (dollars in thousands). Level in September 30, 2015 December 31, 2014 Fair Value Hierarchy Carrying Amount Fair Value Carrying Amount Fair Value Financial assets Cash and due from banks Level 1 $ 23,468 23,468 $ 31,503 $ 31,503 Cash equivalents Level 2 100,285 100,285 97,952 97,952 Interest-bearing time deposits in other financial institutions Level 2 20,000 20,034 20,000 20,062 Securities held to maturity Level 3 40,434 41,624 31,585 31,428 FHLB stock 11,558 NA 11,238 NA Loans, net Level 2 1,166,414 1,159,672 1,086,872 1,082,675 Bank owned life insurance Level 3 28,697 28,697 28,195 28,195 Accrued interest receivable Level 2 3,778 3,778 3,399 3,399 Financial liabilities Deposits Level 2 (1,366,849 ) (1,366,798 ) (1,306,325 ) (1,306,671 ) Other borrowed funds Level 2 (96,169 ) (97,632 ) (88,107 ) (89,066 ) Long-term debt Level 2 (41,238 ) (35,757 ) (41,238 ) (35,396 ) Accrued interest payable Level 2 (269 ) (269 ) (289 ) (289 ) Off-balance sheet credit-related items Loan commitments --- --- --- ---

DEPOSITS (Tables)

DEPOSITS (Tables)	9 Months Ended
	Sep. 30, 2015
DEPOSITS [Abstract]
Deposits at period-end	Deposits are summarized as follows (in thousands): September 30, 2015 December 31, 2014 Noninterest-bearing demand $ 442,316 $ 404,143 Interest bearing demand 338,050 340,053 Savings and money market accounts 496,293 442,246 Certificates of deposit 90,190 119,883 $ 1,366,849 $ 1,306,325

OTHER BORROWED FUNDS (Tables)

OTHER BORROWED FUNDS (Tables)	9 Months Ended
	Sep. 30, 2015
OTHER BORROWED FUNDS [Abstract]
Advances from Federal Home Loan Bank	At period-end, advances from the Federal Home Loan Bank were as follows (dollars in thousands): Principal Terms Advance Amount Range of Maturities Weighted Average Interest Rate September 30, 2015 Single maturity fixed rate advances $ 90,000 August 2016 to March 2020 1.69 % Amortizable mortgage advances 6,169 March 2018 to July 2018 3.78 % $ 96,169 Principal Terms Advance Amount Range of Maturities Average Interest Rate December 31, 2014 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
Scheduled repayments of FHLB advances	Scheduled repayments of FHLB advances as of September 30, 2015 were as follows (in thousands): 2015 $ --- 2016 21,996 2017 2,055 2018 52,118 2019 10,000 Thereafter 10,000 $ 96,169

EARNINGS PER COMMON SHARE (Tabl

EARNINGS PER COMMON SHARE (Tables)	9 Months Ended
	Sep. 30, 2015
EARNINGS PER COMMON SHARE [Abstract]
Reconciliation of numerators and denominators of basic and diluted earnings per common share	A reconciliation of the numerators and denominators of basic and diluted earnings per common share for the three and nine month periods ended September 30, 2015 and 2014 are as follows (dollars in thousands, except per share data): Three Months Ended September 30, 2015 Three Months Ended September 30, 2014 Nine Months Ended September 30, 2015 Nine Months Ended September 30, 2014 Net income available to common shares $ 3,201 $ 2,762 $ 9,256 $ 8,155 Weighted average shares outstanding, including participating stock awards - 33,866,789 33,795,384 33,866,789 33,791,470 Dilutive potential common shares: Stock options --- --- --- --- Stock warrants --- --- --- --- Weighted average shares outstanding - 33,866,789 33,795,384 33,866,789 33,791,470 Basic earnings per common share $ 0.09 $ 0.08 $ 0.27 $ 0.24 Diluted earnings per common share $ 0.09 $ 0.08 $ 0.27 $ 0.24

FEDERAL INCOME TAXES (Tables)

FEDERAL INCOME TAXES (Tables)	9 Months Ended
	Sep. 30, 2015
FEDERAL INCOME TAXES [Abstract]
Income tax expense	Income tax expense was as follows (dollars in thousands): Three Months Ended September 30, 2015 Three Months Ended September 30, 2014 Nine Months Ended September 30, 2015 Nine Months Ended September 30, 2014 Current $ 1,381 $ 651 $ 2,710 $ 711 Deferred 19 555 1,355 2,903 $ 1,400 $ 1,206 $ 4,065 $ 3,614
Difference between financial statement tax expense and amount computed by applying statutory federal tax rate to pretax income	The difference between the financial statement tax expense and amount computed by applying the statutory federal tax rate to pretax income was reconciled as follows (dollars in thousands): Three Months Ended September 30, 2015 Three Months Ended September 30, 2014 Nine Months Ended September 30, 2015 Nine Months Ended September 30, 2014 Statutory rate 35 % 35 % 35 % 35 % Statutory rate applied to income before taxes $ 1,611 $ 1,389 $ 4,663 $ 4,119 Add (deduct) Tax-exempt interest income (135 ) (104 ) (379 ) (278 ) Bank-owned life insurance (59 ) (62 ) (176 ) (177 ) Other, net (17 ) (17 ) (43 ) (50 ) $ 1,400 $ 1,206 $ 4,065 $ 3,614
Deferred tax assets and liabilities	The net deferred tax asset recorded included the following amounts of deferred tax assets and liabilities (dollars in thousands): September 30, 2015 December 31, 2014 Deferred tax assets Allowance for loan losses $ 6,376 $ 6,637 Nonaccrual loan interest 847 935 Valuation allowance on other real estate owned 5,214 5,190 Unrealized loss on securities available for sale --- --- Other 692 1,896 Gross deferred tax assets 13,129 14,658 Valuation allowance --- --- Total net deferred tax assets 13,129 14,658 Deferred tax liabilities Depreciation (1,637 ) (1,908 ) Prepaid expenses (192 ) (21 ) Unrealized gain on securities available for sale (338 ) (33 ) Other (357 ) (431 ) Gross deferred tax liabilities (2,524 ) (2,393 ) Net deferred tax asset $ 10,605 $ 12,265

COMMITMENTS AND OFF BALANCE-S30

COMMITMENTS AND OFF BALANCE-SHEET RISK (Tables)	9 Months Ended
	Sep. 30, 2015
COMMITMENTS AND OFF BALANCE-SHEET RISK [Abstract]
Summary of contractual amounts of financial instruments with off-balance-sheet risk	A summary of the contractual amounts of financial instruments with off‑balance‑sheet risk was as follows at period-end (dollars in thousands): September 30, 2015 December 31, 2014 Commitments to make loans $ 112,492 $ 81,274 Letters of credit 12,240 11,862 Unused lines of credit 420,637 389,099

SHAREHOLDERS' EQUITY (Tables)

SHAREHOLDERS' EQUITY (Tables)	9 Months Ended
	Sep. 30, 2015
SHAREHOLDERS' EQUITY [Abstract]
Actual capital levels and minimum required levels	At September 30, 2015 and December 31, 2014, actual capital levels and minimum required levels were (dollars in thousands): Actual Minimum Required For Capital Adequacy Purposes To Be Well Capitalized Under Prompt Corrective Action Regulations Amount Ratio Amount Ratio Amount Ratio September 30, 2015 CET1 capital (to risk weighted assets) Consolidated $ 149,105 10.5 % $ 63,683 4.5 % N/A N/A Bank 183,701 13.0 63,674 4.5 $ 91,973 6.5 % Tier 1 capital (to risk weighted assets) Consolidated 189,105 13.4 84,911 6.0 N/A N/A Bank 183,701 13.0 84,899 6.0 113,198 8.0 Total capital (to risk weighted assets) Consolidated 206,806 14.6 113,215 8.0 N/A N/A Bank 201,400 14.2 113,198 8.0 141,498 10.0 Tier 1 capital (to average assets) Consolidated 189,105 11.3 66,686 4.0 N/A N/A Bank 183,701 11.0 66,618 4.0 83,272 5.0 December 31, 2014 Tier 1 capital (to risk weighted assets) Consolidated $ 174,084 14.3 % $ 48,706 4.0 % N/A N/A Bank 170,983 14.0 48,788 4.0 $ 73,182 6.0 % Total capital (to risk weighted assets) Consolidated 189,353 15.6 97,420 8.0 N/A N/A Bank 186,276 15.3 97,575 8.0 121,969 10.0 Tier 1 capital (to average assets) Consolidated 174,084 11.6 59,998 4.0 N/A N/A Bank 170,983 11.4 59,923 4.0 74,904 5.0

SUMMARY OF SIGNIFICANT ACCOUN32

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details)	9 Months Ended		12 Months Ended
	Sep. 30, 2015USD ($)BranchGradeInterestRateSwapProperty	Sep. 30, 2014USD ($)	Dec. 31, 2014USD ($)
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Number of full service branch offices | Branch	26
Real Estate Properties [Line Items]
Real estate properties classified as other real estate owned	$ 1,301,000	$ 2,565,000	$ 4,932,000
Residential Mortgage [Member]
Allowance for Loan Losses [Abstract]
Period of historical loss experience used for estimating allowance for general component of non-classified loans	12 months
Residential Real Estate [Member]
Real Estate Properties [Line Items]
Number of real estate properties classified as other real estate owned | Property	5
Real estate properties classified as other real estate owned	$ 657,000
Commercial [Member]
Allowance for Loan Losses [Abstract]
Period of historical loss experience used for estimating allowance for general component of non-classified loans	18 months
Threshold relationship balance of loans evaluated for impairment	$ 500,000
Minimum internal risk grading of loans evaluated for impairment | Grade	6
Commercial Real Estate [Member]
Allowance for Loan Losses [Abstract]
Threshold relationship balance of loans evaluated for impairment	$ 500,000
Minimum internal risk grading of loans evaluated for impairment | Grade	6
Consumer [Member]
Allowance for Loan Losses [Abstract]
Period of historical loss experience used for estimating allowance for general component of non-classified loans	12 months
Swap [Member] | Interest Rate Swap [Member]
Derivatives [Abstract]
Number of derivative instruments held | InterestRateSwap	2
Notional amount of agreements	$ 38,000,000		20,000,000
Derivative asset fair value	592,000		140,000
Derivative liability fair value	$ 592,000		$ 140,000

SECURITIES (Details)

SECURITIES (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014
Available for Sale [Abstract]
Amortized Cost	$ 160,549		$ 160,549		$ 161,781
Gross Unrealized Gains	1,167		1,167		926
Gross Unrealized Losses	(201)		(201)		(833)
Fair Value	161,515		161,515		161,874
Proceeds from sale of available-for-sale securities	7,800	$ 0	19,848	$ 5,164
Gain on sale of securities	36	0	119	51
Reclassification adjustment for securities gain recognized in earnings, net of tax	23	$ 0	77	$ 33
Held to Maturity [Abstract]
Amortized Cost	40,434		40,434		31,585
Fair Value	41,624		41,624		31,428
U.S. Treasury and Federal Agency Securities [Member]
Available for Sale [Abstract]
Amortized Cost	71,594		71,594		67,612
Gross Unrealized Gains	231		231		53
Gross Unrealized Losses	(42)		(42)		(501)
Fair Value	71,783		71,783		67,164
U.S. Agency MBS and CMOs [Member]
Available for Sale [Abstract]
Amortized Cost	13,874		13,874		16,692
Gross Unrealized Gains	88		88		67
Gross Unrealized Losses	(27)		(27)		(71)
Fair Value	13,935		13,935		16,688
Tax-Exempt State and Municipal Bonds [Member]
Available for Sale [Abstract]
Amortized Cost	34,698		34,698		37,203
Gross Unrealized Gains	423		423		419
Gross Unrealized Losses	(117)		(117)		(161)
Fair Value	35,004		35,004		37,461
Taxable State and Municipal Bonds [Member]
Available for Sale [Abstract]
Amortized Cost	25,015		25,015		25,012
Gross Unrealized Gains	374		374		351
Gross Unrealized Losses	(3)		(3)		(70)
Fair Value	25,386		25,386		25,293
Corporate Bonds and Other Debt Securities [Member]
Available for Sale [Abstract]
Amortized Cost	13,868		13,868		13,762
Gross Unrealized Gains	40		40		34
Gross Unrealized Losses	(12)		(12)		(30)
Fair Value	13,896		13,896		13,766
Other Equity Securities [Member]
Available for Sale [Abstract]
Amortized Cost	1,500		1,500		1,500
Gross Unrealized Gains	11		11		2
Gross Unrealized Losses	0		0		0
Fair Value	1,511		1,511		1,502
Tax-Exempt State and Municipal Bonds [Member]
Held to Maturity [Abstract]
Amortized Cost	40,434		40,434		31,585
Gross Unrealized Gains	1,190		1,190		64
Gross Unrealized Losses	0		0		(221)
Fair Value	$ 41,624		$ 41,624		$ 31,428

SECURITIES, Contractual Maturit

SECURITIES, Contractual Maturities of Debt Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Held-to-Maturity Securities, Amortized Cost [Abstract]
Due in one year or less	$ 13,156
Due from one to five years	9,769
Due from five to ten years	15,319
Due after ten years	2,190
Amortized Cost	40,434	$ 31,585
Held-to-Maturity Securities, Fair Value [Abstract]
Due in one year or less	13,221
Due from one to five years	9,982
Due from five to ten years	16,098
Due after ten years	2,323
Fair Value	41,624	$ 31,428
Available-for-Sale Securities, Amortized Cost [Abstract]
Due in one year or less	7,195
Due from one to five years	98,012
Due from five to ten years	38,039
Due after ten years	15,803
Amortized Cost	159,049
Available-for-Sale Securities, Fair Value [Abstract]
Due in one year or less	7,235
Due from one to five years	98,565
Due from five to ten years	38,308
Due after ten years	15,896
Fair Value	$ 160,004

SECURITIES, Continuous Unrealiz

SECURITIES, Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Securities in continuous unrealized losses position, Fair value [Abstract]
Less than 12 Months, Fair Value	$ 29,953	$ 51,415
12 Months or More, Fair Value	12,934	54,855
Total, Fair Value	42,887	106,270
Securities in continuous unrealized loss position, Aggregate losses [Abstract]
Less than 12 Months, Unrealized Losses	(91)	(341)
12 Months or More, Unrealized Losses	(110)	(713)
Total, Unrealized Loss	(201)	(1,054)
Securities pledged as security for public deposits, letters of credit and for other purposes required or permitted by law	2,000	1,000
U.S. Treasury and Federal Agency Securities [Member]
Securities in continuous unrealized losses position, Fair value [Abstract]
Less than 12 Months, Fair Value	12,994	16,426
12 Months or More, Fair Value	9,795	35,350
Total, Fair Value	22,789	51,776
Securities in continuous unrealized loss position, Aggregate losses [Abstract]
Less than 12 Months, Unrealized Losses	(6)	(45)
12 Months or More, Unrealized Losses	(36)	(456)
Total, Unrealized Loss	(42)	(501)
U.S. Agency MBS and CMOs [Member]
Securities in continuous unrealized losses position, Fair value [Abstract]
Less than 12 Months, Fair Value	5,837	0
12 Months or More, Fair Value	0	9,732
Total, Fair Value	5,837	9,732
Securities in continuous unrealized loss position, Aggregate losses [Abstract]
Less than 12 Months, Unrealized Losses	(27)	0
12 Months or More, Unrealized Losses	0	(71)
Total, Unrealized Loss	(27)	(71)
Tax-Exempt State and Municipal Bonds [Member]
Securities in continuous unrealized losses position, Fair value [Abstract]
Less than 12 Months, Fair Value	7,271	26,820
12 Months or More, Fair Value	1,993	4,545
Total, Fair Value	9,264	31,365
Securities in continuous unrealized loss position, Aggregate losses [Abstract]
Less than 12 Months, Unrealized Losses	(50)	(264)
12 Months or More, Unrealized Losses	(67)	(118)
Total, Unrealized Loss	(117)	(382)
Taxable State and Municipal Bonds [Member]
Securities in continuous unrealized losses position, Fair value [Abstract]
Less than 12 Months, Fair Value	0	3,982
12 Months or More, Fair Value	648	3,240
Total, Fair Value	648	7,222
Securities in continuous unrealized loss position, Aggregate losses [Abstract]
Less than 12 Months, Unrealized Losses	0	(19)
12 Months or More, Unrealized Losses	(3)	(51)
Total, Unrealized Loss	(3)	(70)
Corporate Bonds and Other Debt Securities [Member]
Securities in continuous unrealized losses position, Fair value [Abstract]
Less than 12 Months, Fair Value	3,851	4,187
12 Months or More, Fair Value	498	1,988
Total, Fair Value	4,349	6,175
Securities in continuous unrealized loss position, Aggregate losses [Abstract]
Less than 12 Months, Unrealized Losses	(8)	(13)
12 Months or More, Unrealized Losses	(4)	(17)
Total, Unrealized Loss	(12)	(30)
Other Equity Securities [Member]
Securities in continuous unrealized losses position, Fair value [Abstract]
Less than 12 Months, Fair Value	0	0
12 Months or More, Fair Value	0	0
Total, Fair Value	0	0
Securities in continuous unrealized loss position, Aggregate losses [Abstract]
Less than 12 Months, Unrealized Losses	0	0
12 Months or More, Unrealized Losses	0	0
Total, Unrealized Loss	$ 0	$ 0

LOANS (Details)

LOANS (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Portfolio loans [Abstract]
Total loans	$ 1,192,878	$ 1,118,483
Allowance for loan losses	(18,217)	(18,962)
Net loans	1,174,661	1,099,521
Commercial and Industrial [Member]
Portfolio loans [Abstract]
Total loans	376,966	327,674
Commercial Real Estate [Member]
Portfolio loans [Abstract]
Total loans	505,117	490,531
Commercial Real Estate [Member] | Residential Developed [Member]
Portfolio loans [Abstract]
Total loans	10,937	12,771
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member]
Portfolio loans [Abstract]
Total loans	7,103	7,496
Commercial Real Estate [Member] | Vacant and Unimproved [Member]
Portfolio loans [Abstract]
Total loans	41,436	50,372
Commercial Real Estate [Member] | Commercial Development [Member]
Portfolio loans [Abstract]
Total loans	1,472	4,082
Commercial Real Estate [Member] | Residential Improved [Member]
Portfolio loans [Abstract]
Total loans	69,073	69,612
Commercial Real Estate [Member] | Commercial Improved [Member]
Portfolio loans [Abstract]
Total loans	286,477	269,757
Commercial Real Estate [Member] | Manufacturing and Industrial [Member]
Portfolio loans [Abstract]
Total loans	88,619	76,441
Consumer [Member]
Portfolio loans [Abstract]
Total loans	310,795	300,278
Consumer [Member] | Residential Mortgage [Member]
Portfolio loans [Abstract]
Total loans	204,185	190,249
Consumer [Member] | Unsecured [Member]
Portfolio loans [Abstract]
Total loans	678	948
Consumer [Member] | Home Equity [Member]
Portfolio loans [Abstract]
Total loans	96,892	98,887
Consumer [Member] | Other Secured [Member]
Portfolio loans [Abstract]
Total loans	$ 9,040	$ 10,194

LOANS, Allowance for Loans Loss

LOANS, Allowance for Loans Losses by Portfolio (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Allowance for loan losses by portfolio [Roll Forward]
Beginning balance	$ 18,182	$ 20,049	$ 18,962	$ 20,798
Charge-offs	(170)	(120)	(449)	(294)
Recoveries	455	450	1,454	1,875
Provision for loan losses	(250)	(750)	(1,750)	(2,750)
Ending balance	18,217	19,629	18,217	19,629
Commercial and Industrial [Member]
Allowance for loan losses by portfolio [Roll Forward]
Beginning balance	6,381	6,721	6,173	6,174
Charge-offs	0	(4)	(172)	(43)
Recoveries	238	75	365	440
Provision for loan losses	(725)	(394)	(472)	(173)
Ending balance	5,894	6,398	5,894	6,398
Commercial Real Estate [Member]
Allowance for loan losses by portfolio [Roll Forward]
Beginning balance	7,940	9,341	8,690	10,868
Charge-offs	0	0	0	(23)
Recoveries	104	336	829	1,289
Provision for loan losses	343	(407)	(1,132)	(2,864)
Ending balance	8,387	9,270	8,387	9,270
Consumer [Member]
Allowance for loan losses by portfolio [Roll Forward]
Beginning balance	3,831	3,933	4,046	3,703
Charge-offs	(170)	(116)	(277)	(228)
Recoveries	113	39	260	146
Provision for loan losses	135	60	(120)	295
Ending balance	3,909	3,916	3,909	3,916
Unallocated [Member]
Allowance for loan losses by portfolio [Roll Forward]
Beginning balance	30	54	53	53
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision for loan losses	(3)	(9)	(26)	(8)
Ending balance	$ 27	$ 45	$ 27	$ 45

LOANS, Allowance for Loans Lo38

LOANS, Allowance for Loans Losses (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Jun. 30, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Dec. 31, 2013
Ending allowance attributable to loans [Abstract]
Individually reviewed for impairment	$ 3,479		$ 4,065
Collectively evaluated for impairment	14,738		14,897
Total ending allowance balance	18,217	$ 18,182	18,962	$ 19,629	$ 20,049	$ 20,798
Loans [Abstract]
Individually reviewed for impairment	41,421		53,397
Collectively evaluated for impairment	1,151,457		1,065,086
Total ending loans balance	1,192,878		1,118,483
Commercial and Industrial [Member]
Ending allowance attributable to loans [Abstract]
Individually reviewed for impairment	1,882		2,429
Collectively evaluated for impairment	4,012		3,744
Total ending allowance balance	5,894	6,381	6,173	6,398	6,721	6,174
Loans [Abstract]
Individually reviewed for impairment	5,737		9,084
Collectively evaluated for impairment	371,229		318,590
Total ending loans balance	376,966		327,674
Commercial Real Estate [Member]
Ending allowance attributable to loans [Abstract]
Individually reviewed for impairment	710		743
Collectively evaluated for impairment	7,677		7,947
Total ending allowance balance	8,387	7,940	8,690	9,270	9,341	10,868
Loans [Abstract]
Individually reviewed for impairment	21,866		29,818
Collectively evaluated for impairment	483,251		460,713
Total ending loans balance	505,117		490,531
Consumer [Member]
Ending allowance attributable to loans [Abstract]
Individually reviewed for impairment	887		893
Collectively evaluated for impairment	3,022		3,153
Total ending allowance balance	3,909	3,831	4,046	3,916	3,933	3,703
Loans [Abstract]
Individually reviewed for impairment	13,818		14,495
Collectively evaluated for impairment	296,977		285,783
Total ending loans balance	310,795		300,278
Unallocated [Member]
Ending allowance attributable to loans [Abstract]
Individually reviewed for impairment	0		0
Collectively evaluated for impairment	27		53
Total ending allowance balance	27	$ 30	53	$ 45	$ 54	$ 53
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 ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014
With no related allowance recorded [Abstract]
With no allowance, Unpaid Principal Balance	$ 1,767		$ 1,767		$ 4,634
With no allowance, Recorded Investment	1,767		1,767		4,634
With related allowance recorded [Abstract]
With related allowance, Unpaid Principal Balance	39,654		39,654		48,942
With related allowance, Recorded Investment	39,654		39,654		48,763
Allowance Allocated	3,479		3,479		4,065
Total impaired, Unpaid Principal Balance	41,421		41,421		53,576
Total impaired, Recorded Investment, Total	41,421		41,421		53,397
Commercial and Industrial [Member]
With no related allowance recorded [Abstract]
With no allowance, Unpaid Principal Balance	882		882		3,019
With no allowance, Recorded Investment	882		882		3,019
With related allowance recorded [Abstract]
With related allowance, Unpaid Principal Balance	4,855		4,855		6,065
With related allowance, Recorded Investment	4,855		4,855		6,065
Allowance Allocated	1,882		1,882		2,429
Impaired loans [Abstract]
Average of impaired loans	5,416	$ 10,469	7,401	$ 12,220
Interest income recognized during impairment	215	359	833	970
Cash-basis interest income recognized	212	353	833	968
Commercial Real Estate [Member]
With no related allowance recorded [Abstract]
With no allowance, Unpaid Principal Balance	885		885		1,615
With no allowance, Recorded Investment	885		885		1,615
With related allowance recorded [Abstract]
With related allowance, Unpaid Principal Balance	20,981		20,981		28,203
With related allowance, Recorded Investment	20,981		20,981		28,203
Allowance Allocated	710		710		743
Impaired loans [Abstract]
Interest income recognized during impairment	239	401	853	1,309
Cash-basis interest income recognized	240	406	850	1,328
Commercial Real Estate [Member] | Residential Developed [Member]
With no related allowance recorded [Abstract]
With no allowance, Unpaid Principal Balance	0		0		531
With no allowance, Recorded Investment	0		0		531
With related allowance recorded [Abstract]
With related allowance, Unpaid Principal Balance	463		463		550
With related allowance, Recorded Investment	463		463		550
Allowance Allocated	32		32		35
Impaired loans [Abstract]
Average of impaired loans	507	3,801	709	4,139
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member]
With no related allowance recorded [Abstract]
With no allowance, Unpaid Principal Balance	0		0		0
With no allowance, Recorded Investment	0		0		0
With related allowance recorded [Abstract]
With related allowance, Unpaid Principal Balance	0		0		0
With related allowance, Recorded Investment	0		0		0
Allowance Allocated	0		0		0
Impaired loans [Abstract]
Average of impaired loans	0	0	0	0
Commercial Real Estate [Member] | Vacant and Unimproved [Member]
With no related allowance recorded [Abstract]
With no allowance, Unpaid Principal Balance	0		0		0
With no allowance, Recorded Investment	0		0		0
With related allowance recorded [Abstract]
With related allowance, Unpaid Principal Balance	331		331		1,499
With related allowance, Recorded Investment	331		331		1,499
Allowance Allocated	8		8		43
Impaired loans [Abstract]
Average of impaired loans	1,028	1,593	1,311	1,688
Commercial Real Estate [Member] | Commercial Development [Member]
With no related allowance recorded [Abstract]
With no allowance, Unpaid Principal Balance	0		0		0
With no allowance, Recorded Investment	0		0		0
With related allowance recorded [Abstract]
With related allowance, Unpaid Principal Balance	193		193		199
With related allowance, Recorded Investment	193		193		199
Allowance Allocated	5		5		5
Impaired loans [Abstract]
Average of impaired loans	193	443	195	484
Commercial Real Estate [Member] | Residential Improved [Member]
With no related allowance recorded [Abstract]
With no allowance, Unpaid Principal Balance	5		5		547
With no allowance, Recorded Investment	5		5		547
With related allowance recorded [Abstract]
With related allowance, Unpaid Principal Balance	5,684		5,684		7,323
With related allowance, Recorded Investment	5,684		5,684		7,323
Allowance Allocated	169		169		240
Impaired loans [Abstract]
Average of impaired loans	6,241	8,771	6,974	9,685
Commercial Real Estate [Member] | Commercial Improved [Member]
With no related allowance recorded [Abstract]
With no allowance, Unpaid Principal Balance	296		296		331
With no allowance, Recorded Investment	296		296		331
With related allowance recorded [Abstract]
With related allowance, Unpaid Principal Balance	13,939		13,939		16,113
With related allowance, Recorded Investment	13,939		13,939		16,113
Allowance Allocated	490		490		389
Impaired loans [Abstract]
Average of impaired loans	14,835	17,876	15,985	18,100
Commercial Real Estate [Member] | Manufacturing and Industrial [Member]
With no related allowance recorded [Abstract]
With no allowance, Unpaid Principal Balance	584		584		206
With no allowance, Recorded Investment	584		584		206
With related allowance recorded [Abstract]
With related allowance, Unpaid Principal Balance	371		371		2,519
With related allowance, Recorded Investment	371		371		2,519
Allowance Allocated	6		6		31
Impaired loans [Abstract]
Average of impaired loans	2,053	5,131	2,470	6,085
Consumer [Member]
With no related allowance recorded [Abstract]
With no allowance, Unpaid Principal Balance	0		0		0
With no allowance, Recorded Investment	0		0		0
With related allowance recorded [Abstract]
With related allowance, Unpaid Principal Balance	13,818		13,818		14,674
With related allowance, Recorded Investment	13,818		13,818		14,495
Allowance Allocated	887		887		893
Impaired loans [Abstract]
Average of impaired loans	14,090	14,544	14,485	14,453
Interest income recognized during impairment	119	131	383	400
Cash-basis interest income recognized	120	$ 133	387	$ 404
Consumer [Member] | Residential Mortgage [Member]
With no related allowance recorded [Abstract]
With no allowance, Unpaid Principal Balance	0		0		0
With no allowance, Recorded Investment	0		0		0
With related allowance recorded [Abstract]
With related allowance, Unpaid Principal Balance	8,718		8,718		9,492
With related allowance, Recorded Investment	8,718		8,718		9,484
Allowance Allocated	537		537		584
Consumer [Member] | Unsecured [Member]
With no related allowance recorded [Abstract]
With no allowance, Unpaid Principal Balance	0		0		0
With no allowance, Recorded Investment	0		0		0
With related allowance recorded [Abstract]
With related allowance, Unpaid Principal Balance	0		0		0
With related allowance, Recorded Investment	0		0		0
Allowance Allocated	0		0		0
Consumer [Member] | Home Equity [Member]
With no related allowance recorded [Abstract]
With no allowance, Unpaid Principal Balance	0		0		0
With no allowance, Recorded Investment	0		0		0
With related allowance recorded [Abstract]
With related allowance, Unpaid Principal Balance	5,100		5,100		5,182
With related allowance, Recorded Investment	5,100		5,100		5,011
Allowance Allocated	350		350		309
Consumer [Member] | Other Secured [Member]
With no related allowance recorded [Abstract]
With no allowance, Unpaid Principal Balance	0		0		0
With no allowance, Recorded Investment	0		0		0
With related allowance recorded [Abstract]
With related allowance, Unpaid Principal Balance	0		0		0
With related allowance, Recorded Investment	0		0		0
Allowance Allocated	$ 0		$ 0		$ 0

LOANS, Past Due Loans (Details)

LOANS, Past Due Loans (Details)	9 Months Ended
	Sep. 30, 2015USD ($)Payment	Sep. 30, 2014USD ($)	Dec. 31, 2014USD ($)
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	$ 4,139,000		$ 8,292,000
Over 90 days Accruing	72,000		134,000
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	2,936,000		2,841,000
Loans Not Past Due	1,189,942,000		1,115,642,000
Total ending loans balance	1,192,878,000		1,118,483,000
Specific reserves allocated to customers with modified term loans in troubled debt restructurings	$ 3,479,000		4,065,000
Number of consecutive payment before nonaccrual restructured loan is upgraded | Payment	6
Reduction of loans designated as TDR and impaired		$ 5,900,000
Number of months of performance before a loan is removed from TDR	6 months
30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	$ 2,498,000		671,000
Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	438,000		2,170,000
Commercial and Industrial [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	3,119,000		5,605,000
Over 90 days Accruing	0		0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	497,000		54,000
Loans Not Past Due	376,469,000		327,620,000
Total ending loans balance	376,966,000		327,674,000
Commercial and Industrial [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	397,000		54,000
Commercial and Industrial [Member] | Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	100,000		0
Commercial Real Estate [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	922,000		1,906,000
Over 90 days Accruing	0		117,000
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	2,188,000		1,627,000
Loans Not Past Due	502,929,000		488,904,000
Total ending loans balance	505,117,000		490,531,000
Commercial Real Estate [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	1,936,000		200,000
Commercial Real Estate [Member] | Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	252,000		1,427,000
Commercial Real Estate [Member] | Residential Developed [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	363,000		245,000
Over 90 days Accruing	0		0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	172,000		0
Loans Not Past Due	10,765,000		12,771,000
Total ending loans balance	10,937,000		12,771,000
Commercial Real Estate [Member] | Residential Developed [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	172,000		0
Commercial Real Estate [Member] | Residential Developed [Member] | Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	0		0
Commercial Real Estate [Member] | 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]
Total Past Due	0		0
Loans Not Past Due	7,103,000		7,496,000
Total ending loans balance	7,103,000		7,496,000
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	0		0
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	0		0
Commercial Real Estate [Member] | 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]
Total Past Due	0		100,000
Loans Not Past Due	41,436,000		50,272,000
Total ending loans balance	41,436,000		50,372,000
Commercial Real Estate [Member] | Vacant and Unimproved [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	0		100,000
Commercial Real Estate [Member] | Vacant and Unimproved [Member] | Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	0		0
Commercial Real Estate [Member] | Commercial Development [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	49,000		29,000
Over 90 days Accruing	0		0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	49,000		29,000
Loans Not Past Due	1,423,000		4,053,000
Total ending loans balance	1,472,000		4,082,000
Commercial Real Estate [Member] | Commercial Development [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	0		0
Commercial Real Estate [Member] | Commercial Development [Member] | Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	49,000		29,000
Commercial Real Estate [Member] | Residential Improved [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	140,000		766,000
Over 90 days Accruing	0		0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	302,000		540,000
Loans Not Past Due	68,771,000		69,072,000
Total ending loans balance	69,073,000		69,612,000
Commercial Real Estate [Member] | Residential Improved [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	296,000		100,000
Commercial Real Estate [Member] | Residential Improved [Member] | Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	6,000		440,000
Commercial Real Estate [Member] | Commercial Improved [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	370,000		866,000
Over 90 days Accruing	0		117,000
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	1,287,000		958,000
Loans Not Past Due	285,190,000		268,799,000
Total ending loans balance	286,477,000		269,757,000
Commercial Real Estate [Member] | Commercial Improved [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	1,090,000		0
Commercial Real Estate [Member] | Commercial Improved [Member] | Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	197,000		958,000
Commercial Real Estate [Member] | 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]
Total Past Due	378,000		0
Loans Not Past Due	88,241,000		76,441,000
Total ending loans balance	88,619,000		76,441,000
Commercial Real Estate [Member] | Manufacturing and Industrial [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	378,000		0
Commercial Real Estate [Member] | Manufacturing and Industrial [Member] | Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	0		0
Consumer [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	98,000		781,000
Over 90 days Accruing	72,000		17,000
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	251,000		1,160,000
Loans Not Past Due	310,544,000		299,118,000
Total ending loans balance	310,795,000		300,278,000
Consumer [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	165,000		417,000
Consumer [Member] | Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	86,000		743,000
Consumer [Member] | Residential Mortgage [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	42,000		305,000
Over 90 days Accruing	0		0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	115,000		641,000
Loans Not Past Due	204,070,000		189,608,000
Total ending loans balance	204,185,000		190,249,000
Consumer [Member] | Residential Mortgage [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	115,000		338,000
Consumer [Member] | Residential Mortgage [Member] | Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	0		303,000
Consumer [Member] | Unsecured [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	31,000		40,000
Over 90 days Accruing	0		0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	33,000		18,000
Loans Not Past Due	645,000		930,000
Total ending loans balance	678,000		948,000
Consumer [Member] | Unsecured [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	33,000		0
Consumer [Member] | Unsecured [Member] | Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	0		18,000
Consumer [Member] | Home Equity [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	11,000		436,000
Over 90 days Accruing	72,000		17,000
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	89,000		501,000
Loans Not Past Due	96,803,000		98,386,000
Total ending loans balance	96,892,000		98,887,000
Consumer [Member] | Home Equity [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	17,000		79,000
Consumer [Member] | Home Equity [Member] | Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	72,000		422,000
Consumer [Member] | Other Secured [Member]
Recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans [Abstract]
Nonaccrual	14,000		0
Over 90 days Accruing	0		0
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	14,000		0
Loans Not Past Due	9,026,000		10,194,000
Total ending loans balance	9,040,000		10,194,000
Consumer [Member] | Other Secured [Member] | 30-90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	0		0
Consumer [Member] | Other Secured [Member] | Greater Than 90 Days [Member]
Aging of recorded investment in past due loans by class of loans [Abstract]
Total Past Due	$ 14,000		$ 0

LOANS, Troubled Debt Restructur

LOANS, Troubled Debt Restructuring (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015USD ($)Loan	Sep. 30, 2014USD ($)Loan	Sep. 30, 2015USD ($)Loan	Sep. 30, 2014USD ($)Loan	Dec. 31, 2014USD ($)Loan
Troubled debt restructurings [Abstract]
Number of Loans | Loan	224		224		226
Outstanding Recorded Balance	$ 41,619		$ 41,619		$ 53,397
Accruing troubled debt restructurings [Abstract]
Accruing TDR - nonaccrual at restructuring	0		0		0
Accruing TDR - accruing at restructuring	37,986		37,986		46,197
Accruing TDR - upgraded to accruing after six consecutive payments	0		0		0
Total	$ 37,986		$ 37,986		$ 46,197
Troubled debt restructurings executed during current period [Abstract]
Number of Loans | Loan	3	8	36	21
Pre-Modification Outstanding Recorded Balance	$ 155	$ 183	$ 1,434	$ 4,364
Principal Write-down upon Modification	$ 0	$ 0	$ 0	$ 0
Commercial and Industrial [Member]
Troubled debt restructurings [Abstract]
Number of Loans | Loan	33		33		36
Outstanding Recorded Balance	$ 5,737		$ 5,737		$ 9,085
Troubled debt restructurings executed during current period [Abstract]
Number of Loans | Loan	2	0	3	1
Pre-Modification Outstanding Recorded Balance	$ 114	$ 0	$ 522	$ 61
Principal Write-down upon Modification	$ 0	$ 0	$ 0	$ 0
Loans that became delinquent more than 90 days past due or transferred to nonaccrual within 12 months of restructuring [Abstract]
Number of Loans | Loan	0	0	0	0
Outstanding Recorded Balance	$ 0	$ 0	$ 0	$ 0
Commercial Real Estate [Member]
Troubled debt restructurings [Abstract]
Number of Loans | Loan	63		63		84
Outstanding Recorded Balance	$ 22,064		$ 22,064		$ 29,817
Troubled debt restructurings executed during current period [Abstract]
Number of Loans | Loan	0	0	1	10
Pre-Modification Outstanding Recorded Balance	$ 0	$ 0	$ 42	$ 4,046
Principal Write-down upon Modification	$ 0	$ 0	$ 0	$ 0
Loans that became delinquent more than 90 days past due or transferred to nonaccrual within 12 months of restructuring [Abstract]
Number of Loans | Loan	0	0	0	1
Outstanding Recorded Balance	$ 0	$ 0	$ 0	$ 131
Consumer [Member]
Troubled debt restructurings [Abstract]
Number of Loans | Loan	128		128		106
Outstanding Recorded Balance	$ 13,818		$ 13,818		$ 14,495
Troubled debt restructurings executed during current period [Abstract]
Number of Loans | Loan	1	8	32	10
Pre-Modification Outstanding Recorded Balance	$ 41	$ 183	$ 870	$ 257
Principal Write-down upon Modification	$ 0	$ 0	$ 0	$ 0
Loans that became delinquent more than 90 days past due or transferred to nonaccrual within 12 months of restructuring [Abstract]
Number of Loans | Loan	1	0	1	0
Outstanding Recorded Balance	$ 10	$ 0	$ 10	$ 0

LOANS, Credit Quality Indicator

LOANS, Credit Quality Indicators (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2015USD ($)Grade	Dec. 31, 2014USD ($)
LOANS [Abstract]
Number point grading system used for loan quality | Grade	8
Commercial Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	$ 882,083	$ 818,205
Minimal internal risk grade category of loans considered substandard, doubtful or loss | Grade	6
Commercial Loans [Member] | Excellent [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	$ 318	343
Commercial Loans [Member] | Above Average [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	13,725	17,180
Commercial Loans [Member] | Good Quality [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	258,833	238,208
Commercial Loans [Member] | Acceptable Risk [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	554,343	494,080
Commercial Loans [Member] | Marginally Acceptable [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	43,397	52,090
Commercial Loans [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	7,421	8,793
Commercial Loans [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	4,046	7,511
Commercial Loans [Member] | Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial and Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	376,966	327,674
Commercial and Industrial [Member] | Excellent [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	318	343
Commercial and Industrial [Member] | Above Average [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	8,842	11,177
Commercial and Industrial [Member] | Good Quality [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	130,378	118,382
Commercial and Industrial [Member] | Acceptable Risk [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	224,831	182,651
Commercial and Industrial [Member] | Marginally Acceptable [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	8,127	8,448
Commercial and Industrial [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	1,352	1,068
Commercial and Industrial [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	3,118	5,605
Commercial and Industrial [Member] | Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial Real Estate [Member] | Residential Developed [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	10,937	12,771
Commercial Real Estate [Member] | Residential Developed [Member] | Excellent [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial Real Estate [Member] | Residential Developed [Member] | Above Average [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial Real Estate [Member] | Residential Developed [Member] | Good Quality [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	2,207	2,491
Commercial Real Estate [Member] | Residential Developed [Member] | Acceptable Risk [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	5,454	4,702
Commercial Real Estate [Member] | Residential Developed [Member] | Marginally Acceptable [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	2,615	4,491
Commercial Real Estate [Member] | Residential Developed [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	291	842
Commercial Real Estate [Member] | Residential Developed [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	370	245
Commercial Real Estate [Member] | Residential Developed [Member] | Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	7,103	7,496
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | Excellent [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | Above Average [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | Good Quality [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | Acceptable Risk [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	7,103	7,496
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | Marginally Acceptable [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial Real Estate [Member] | Unsecured to Residential Developers [Member] | Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial Real Estate [Member] | Vacant and Unimproved [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	41,436	50,372
Commercial Real Estate [Member] | Vacant and Unimproved [Member] | Excellent [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial Real Estate [Member] | Vacant and Unimproved [Member] | Above Average [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial Real Estate [Member] | Vacant and Unimproved [Member] | Good Quality [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	14,972	12,105
Commercial Real Estate [Member] | Vacant and Unimproved [Member] | Acceptable Risk [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	21,017	30,997
Commercial Real Estate [Member] | Vacant and Unimproved [Member] | Marginally Acceptable [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	5,447	7,241
Commercial Real Estate [Member] | Vacant and Unimproved [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	29
Commercial Real Estate [Member] | Vacant and Unimproved [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial Real Estate [Member] | Vacant and Unimproved [Member] | Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial Real Estate [Member] | Commercial Development [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	1,472	4,082
Commercial Real Estate [Member] | Commercial Development [Member] | Excellent [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial Real Estate [Member] | Commercial Development [Member] | Above Average [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial Real Estate [Member] | Commercial Development [Member] | Good Quality [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial Real Estate [Member] | Commercial Development [Member] | Acceptable Risk [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	1,230	3,643
Commercial Real Estate [Member] | Commercial Development [Member] | Marginally Acceptable [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	211
Commercial Real Estate [Member] | Commercial Development [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	193	199
Commercial Real Estate [Member] | Commercial Development [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	49	29
Commercial Real Estate [Member] | Commercial Development [Member] | Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial Real Estate [Member] | Residential Improved [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	69,073	69,612
Commercial Real Estate [Member] | Residential Improved [Member] | Excellent [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial Real Estate [Member] | Residential Improved [Member] | Above Average [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	103
Commercial Real Estate [Member] | Residential Improved [Member] | Good Quality [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	17,858	16,291
Commercial Real Estate [Member] | Residential Improved [Member] | Acceptable Risk [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	44,587	43,928
Commercial Real Estate [Member] | Residential Improved [Member] | Marginally Acceptable [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	4,701	6,428
Commercial Real Estate [Member] | Residential Improved [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	1,787	2,096
Commercial Real Estate [Member] | Residential Improved [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	140	766
Commercial Real Estate [Member] | Residential Improved [Member] | Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial Real Estate [Member] | Commercial Improved [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	286,477	269,757
Commercial Real Estate [Member] | Commercial Improved [Member] | Excellent [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial Real Estate [Member] | Commercial Improved [Member] | Above Average [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	3,574	4,392
Commercial Real Estate [Member] | Commercial Improved [Member] | Good Quality [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	60,531	61,543
Commercial Real Estate [Member] | Commercial Improved [Member] | Acceptable Risk [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	200,237	178,169
Commercial Real Estate [Member] | Commercial Improved [Member] | Marginally Acceptable [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	18,663	20,558
Commercial Real Estate [Member] | Commercial Improved [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	3,103	4,229
Commercial Real Estate [Member] | Commercial Improved [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	369	866
Commercial Real Estate [Member] | Commercial Improved [Member] | Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial Real Estate [Member] | Manufacturing & Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	88,619	76,441
Commercial Real Estate [Member] | Manufacturing & Industrial [Member] | Excellent [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial Real Estate [Member] | Manufacturing & Industrial [Member] | Above Average [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	1,309	1,508
Commercial Real Estate [Member] | Manufacturing & Industrial [Member] | Good Quality [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	32,887	27,396
Commercial Real Estate [Member] | Manufacturing & Industrial [Member] | Acceptable Risk [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	49,884	42,494
Commercial Real Estate [Member] | Manufacturing & Industrial [Member] | Marginally Acceptable [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	3,844	4,713
Commercial Real Estate [Member] | Manufacturing & Industrial [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	695	330
Commercial Real Estate [Member] | Manufacturing & Industrial [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial Real Estate [Member] | Manufacturing & Industrial [Member] | Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	$ 0	$ 0

LOANS, Commercial Loans Classif

LOANS, Commercial Loans Classified as Substandard or Worse (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Classified as impaired	$ 41,421	$ 53,397
Commercial Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	882,083	818,205
Commercial Loans [Member] | Substandard or Worse [Member]
Financing Receivable, Recorded Investment [Line Items]
Not classified as impaired	2,705	4,220
Classified as impaired	8,762	12,084
Total loans	$ 11,467	$ 16,304

LOANS, Recorded Investment in C

LOANS, Recorded Investment in Consumer Loans Based on Payment Activity (Details) - Consumer Loan [Member] - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Residential Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	$ 204,185	$ 190,249
Residential Mortgage [Member] | Performing [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	204,185	189,946
Residential Mortgage [Member] | Nonperforming [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	303
Unsecured [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	678	948
Unsecured [Member] | Performing [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	678	930
Unsecured [Member] | Nonperforming [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	18
Home Equity [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	96,892	98,887
Home Equity [Member] | Performing [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	96,820	98,465
Home Equity [Member] | Nonperforming [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	72	422
Other Secured [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	9,040	10,194
Other Secured [Member] | Performing [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	9,026	10,194
Other Secured [Member] | Nonperforming [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	$ 14	$ 0

OTHER REAL ESTATE OWNED (Detail

OTHER REAL ESTATE OWNED (Details) - USD ($) $ in Thousands	9 Months Ended		12 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014	Sep. 30, 2015	Dec. 31, 2014	Sep. 30, 2014
Period-end other real estate owned [Roll Forward]
Beginning balance	$ 43,071	$ 53,501	$ 53,501
Additions, transfers from loans	1,301	2,565	4,932
Proceeds from sales of other real estate owned	(3,613)	(9,964)	(12,487)
Valuation allowance reversal upon sale	(427)	(3,409)	(3,499)
Gain (loss) on sale of other real estate owned	237	475	624
Other real estate owned, gross	40,569	43,168	43,071
Less: valuation allowance	(14,898)	(14,405)	(14,829)	$ (14,898)	$ (14,829)	$ (14,405)
Ending balance				$ 25,671	$ 28,242	$ 28,763
Activity in valuation allowance [Roll Forward]
Beginning balance	14,829	16,705	16,705
Additions charged to expense	496	1,109
Reversals upon sale	(427)	(3,409)
Ending balance	$ 14,898	$ 14,405	$ 14,829

FAIR VALUE (Details)

FAIR VALUE (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Sep. 30, 2015	Dec. 31, 2014
Recurring Basis [Member]
Asset measured at fair value on recurring basis [Abstract]
U.S. Treasury and federal agency securities	$ 71,783	$ 67,164
U.S. Agency MBS and CMOs	13,935	16,688
Tax-exempt state and municipal bonds	35,004	37,461
Taxable state and municipal bonds	25,386	25,293
Corporate bonds and other debt securities	13,896	13,766
Other equity securities	1,511	1,502
Loans held for sale	2,895	2,347
Interest rate swaps	592	140
Interest rate swaps	(592)	(140)
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	71,783	67,164
U.S. Agency MBS and CMOs	13,935	16,688
Tax-exempt state and municipal bonds	35,004	37,461
Taxable state and municipal bonds	25,386	25,293
Corporate bonds and other debt securities	13,896	13,766
Other equity securities	1,511	1,502
Loans held for sale	2,895	2,347
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	592	140
Interest rate swaps	(592)	(140)
Nonrecurring Basis [Member]
Asset measured at fair value on non-recurring basis [Abstract]
Impaired loans	8,247	12,649
Other real estate owned	22,808	22,472
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	8,247	12,649
Other real estate owned	22,808	22,472
Impaired Loans [Member] | Sales Comparison Approach [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Asset (Liability) fair value	$ 8,247	$ 12,649
Impaired Loans [Member] | Sales Comparison Approach [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment for differences between comparable sales	5.00%	1.00%
Impaired Loans [Member] | Sales Comparison Approach [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment for differences between comparable sales	19.00%	20.00%
Impaired Loans [Member] | Income Approach [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Capitalization rate	9.50%	9.50%
Impaired Loans [Member] | Income Approach [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Capitalization rate	11.00%	12.00%
Other Real Estate Owned [Member] | Sales Comparison Approach [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Asset (Liability) fair value	$ 22,808	$ 22,472
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	7.00%	3.00%
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	23.00%	22.70%
Other Real Estate Owned [Member] | Income Approach [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Capitalization rate	9.50%	9.50%
Other Real Estate Owned [Member] | Income Approach [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Capitalization rate	11.00%	12.00%

FAIR VALUE, Balance Sheet Group

FAIR VALUE, Balance Sheet Grouping (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Financial assets [Abstract]
Cash and due from banks	$ 23,468	$ 31,503
Securities held to maturity	41,624	31,428
Bank owned life insurance	28,697	28,195
Carrying Amount [Member]
Financial assets [Abstract]
FHLB stock	11,558	11,238
Commitments to Make Loans [Member] | Carrying Amount [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance sheet credit-related items	0	0
Commitments to Make Loans [Member] | Fair Value [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	23,468	31,503
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Fair Value [Member]
Financial assets [Abstract]
Cash and due from banks	23,468	31,503
Significant Other Observable Inputs (Level 2) [Member] | Carrying Amount [Member]
Financial assets [Abstract]
Cash equivalents	100,285	97,952
Interest-bearing time deposits in other financial institutions	20,000	20,000
Loans, net	1,166,414	1,086,872
Accrued interest receivable	3,778	3,399
Financial liabilities [Abstract]
Deposits	(1,366,849)	(1,306,325)
Other borrowed funds	(96,169)	(88,107)
Long-term debt	(41,238)	(41,238)
Accrued interest payable	(269)	(289)
Significant Other Observable Inputs (Level 2) [Member] | Fair Value [Member]
Financial assets [Abstract]
Cash equivalents	100,285	97,952
Interest-bearing time deposits in other financial institutions	20,034	20,062
Loans, net	1,159,672	1,082,675
Accrued interest receivable	3,778	3,399
Financial liabilities [Abstract]
Deposits	(1,366,798)	(1,306,671)
Other borrowed funds	(97,632)	(89,066)
Long-term debt	(35,757)	(35,396)
Accrued interest payable	(269)	(289)
Significant Unobservable Inputs (Level 3) [Member] | Carrying Amount [Member]
Financial assets [Abstract]
Securities held to maturity	40,434	31,585
Bank owned life insurance	28,697	28,195
Significant Unobservable Inputs (Level 3) [Member] | Fair Value [Member]
Financial assets [Abstract]
Securities held to maturity	41,624	31,428
Bank owned life insurance	$ 28,697	$ 28,195

DEPOSITS (Details)

DEPOSITS (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Summary of deposit [Abstract]
Noninterest-bearing demand	$ 442,316	$ 404,143
Interest bearing demand	338,050	340,053
Savings and money market accounts	496,293	442,246
Certificates of deposit	90,190	119,883
Total deposits	1,366,849	1,306,325
Certificate of deposits, $100,000 or more denominations	$ 32,300	$ 50,100

OTHER BORROWED FUNDS, Federal H

OTHER BORROWED FUNDS, Federal Home Loan Bank Advances (Details) - USD ($)	Sep. 30, 2015	Dec. 31, 2014
Advances from Federal Home Loan Bank [Abstract]
Advance amount	$ 96,169,000	$ 88,107,000
Residential and commercial real estate loans pledged as collateral for Federal Home Loan Bank advances	452,689,000	441,252,000
Single Maturity Fixed Rate Advances [Member]
Advances from Federal Home Loan Bank [Abstract]
Advance amount	$ 90,000,000	$ 80,000,000
Range of maturities, earliest	2,016	2,016
Range of maturities, last	2,020	2,019
Weighted average interest rate	1.69%	1.69%
Amortizable Mortgage Advances [Member]
Advances from Federal Home Loan Bank [Abstract]
Advance amount	$ 6,169,000	$ 8,107,000
Range of maturities, earliest	2,018	2,018
Range of maturities, last	2,018	2,018
Weighted average interest rate	3.78%	3.78%

OTHER BORROWED FUNDS, Scheduled

OTHER BORROWED FUNDS, Scheduled Repayments of FHLB Advances (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Scheduled repayments of FHLB advances [Abstract]
2,015	$ 0
2,016	21,996
2,017	2,055
2,018	52,118
2,019	10,000
Thereafter	10,000
Total	$ 96,169	$ 88,107

OTHER BORROWED FUNDS, Federal R

OTHER BORROWED FUNDS, Federal Reserve Bank Borrowings (Details) - USD ($) $ in Millions	Sep. 30, 2015	Dec. 31, 2014
Federal Reserve Bank borrowings [Abstract]
Unused borrowing capacity to Federal Reserve Bank	$ 22.7	$ 22.8
Commercial and mortgage loans pledged to the Federal Reserve Bank	$ 25.8	$ 25.9

EARNINGS PER COMMON SHARE (Deta

EARNINGS PER COMMON SHARE (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Reconciliation of numerators and denominators of basic and diluted earnings per common share [Abstract]
Net income available to common shares	$ 3,201	$ 2,762	$ 9,256	$ 8,155
Weighted average shares outstanding, including participating stock awards - Basic (in shares)	33,866,789	33,795,384	33,866,789	33,791,470
Dilutive potential common shares [Abstract]
Stock options (in shares)	0	0	0	0
Stock warrants (in shares)	0	0	0	0
Weighted average shares outstanding - Diluted (in shares)	33,866,789	33,795,384	33,866,789	33,791,470
Basic earnings per common share (in dollars per share)	$ 0.09	$ 0.08	$ 0.27	$ 0.24
Diluted earnings per common share (in dollars per share)	$ 0.09	$ 0.08	$ 0.27	$ 0.24
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)	200,483	351,195	200,483	351,195

FEDERAL INCOME TAXES (Details)

FEDERAL INCOME TAXES (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014
Income tax expense [Abstract]
Current	$ 1,381	$ 651	$ 2,710	$ 711
Deferred	19	555	1,355	2,903
Income tax expense	$ 1,400	$ 1,206	$ 4,065	$ 3,614
Difference between financial statement tax expense and amount computed by applying the statutory federal tax rate to pretax income [Abstract]
Statutory rate	35.00%	35.00%	35.00%	35.00%
Statutory rate applied to income before taxes	$ 1,611	$ 1,389	$ 4,663	$ 4,119
Add (deduct) [Abstract]
Tax-exempt interest income	(135)	(104)	(379)	(278)
Bank-owned life insurance	(59)	(62)	(176)	(177)
Other, net	(17)	(17)	(43)	(50)
Income tax expense	1,400	$ 1,206	4,065	$ 3,614
Deferred tax assets [Abstract]
Allowance for loan losses	6,376		6,376		$ 6,637
Nonaccrual loan interest	847		847		935
Valuation allowance on other real estate owned	5,214		5,214		5,190
Unrealized loss on securities available for sale	0		0		0
Other	692		692		1,896
Gross deferred tax assets	13,129		13,129		14,658
Valuation allowance	0		0		0
Total net deferred tax assets	13,129		13,129		14,658
Deferred tax liabilities [Abstract]
Depreciation	(1,637)		(1,637)		(1,908)
Prepaid expenses	(192)		(192)		(21)
Unrealized gain on securities available for sale	(338)		(338)		(33)
Other	(357)		(357)		(431)
Gross deferred tax liabilities	(2,524)		(2,524)		(2,393)
Net deferred tax asset	10,605		10,605		12,265
Unrecognized tax benefits	$ 0		$ 0		$ 0
Period when unrecognized tax benefits is not expected to significantly increase or decrease			12 months

COMMITMENTS AND OFF BALANCE-S54

COMMITMENTS AND OFF BALANCE-SHEET RISK (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2015	Dec. 31, 2014
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	$ 24,500	$ 14,200
Commitments to make loans at fixed rates	53.20%
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	$ 112,492	81,274
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	12,240	11,862
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	$ 420,637	$ 389,099

CONTINGENCIES (Details)

CONTINGENCIES (Details) - Employment Agreement Litigation, Benj. A. Smith III [Member] - USD ($)	Jan. 27, 2014	Dec. 31, 2014
Loss Contingencies [Line Items]
Monthly entitlement claimed by plaintiff	$ 20,833
Period of monthly damage claims sought for employment agreement	6 years
Settlement liability, net of insurance proceeds		$ 516,000

SHAREHOLDERS' EQUITY, Regulator

SHAREHOLDERS' EQUITY, Regulatory Capital (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2015USD ($)Category	Dec. 31, 2014USD ($)
SHAREHOLDERS' EQUITY [Abstract]
Number of classification of prompt corrective action regulations | Category	5
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
CET1 capital (to risk weighted assets), actual amount	$ 149,105
CET1 capital (to risk weighted assets), actual ratio	10.50%
Tier 1 capital (to risk weighted assets), actual amount	$ 189,105	$ 174,084
Tier 1 capital (to risk weighted assets), actual ratio	13.40%	14.30%
Total capital (to risk weighted assets), actual amount	$ 206,806	$ 189,353
Total capital (to risk weighted assets), actual ratio	14.60%	15.60%
Tier 1 capital (to average assets), actual amount	$ 189,105	$ 174,084
Tier 1 capital (to average assets), actual ratio	11.30%	11.60%
CET1 capital (to risk weighted assets), minimum required for capital adequacy purposes, amount	$ 63,683
CET1 capital (to risk weighted assets), minimum required for capital adequacy purposes, ratio	4.50%
Tier 1 capital (to risk weighted assets), minimum required for capital adequacy purposes, amount	$ 84,911	$ 48,706
Tier 1 capital (to risk weighted assets), minimum required for capital adequacy purposes, ratio	6.00%	4.00%
Total capital (to risk weighted assets), minimum required for capital adequacy purposes, amount	$ 113,215	$ 97,420
Total capital (to risk weighted assets) minimum required for capital adequacy purposes, ratio	8.00%	8.00%
Tier 1 capital (to average assets), minimum required for capital adequacy purposes, amount	$ 66,686	$ 59,998
Tier 1 capital (to average assets), minimum required for capital adequacy purposes, ratio	4.00%	4.00%
Trust preferred securities that qualified as Tier one risk based capital	$ 40,000	$ 40,000
Bank [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
CET1 capital (to risk weighted assets), actual amount	$ 183,701
CET1 capital (to risk weighted assets), actual ratio	13.00%
Tier 1 capital (to risk weighted assets), actual amount	$ 183,701	$ 170,983
Tier 1 capital (to risk weighted assets), actual ratio	13.00%	14.00%
Total capital (to risk weighted assets), actual amount	$ 201,400	$ 186,276
Total capital (to risk weighted assets), actual ratio	14.20%	15.30%
Tier 1 capital (to average assets), actual amount	$ 183,701	$ 170,983
Tier 1 capital (to average assets), actual ratio	11.00%	11.40%
CET1 capital (to risk weighted assets), minimum required for capital adequacy purposes, amount	$ 63,674
CET1 capital (to risk weighted assets), minimum required for capital adequacy purposes, ratio	4.50%
Tier 1 capital (to risk weighted assets), minimum required for capital adequacy purposes, amount	$ 84,899	$ 48,788
Tier 1 capital (to risk weighted assets), minimum required for capital adequacy purposes, ratio	6.00%	4.00%
Total capital (to risk weighted assets), minimum required for capital adequacy purposes, amount	$ 113,198	$ 97,575
Total capital (to risk weighted assets) minimum required for capital adequacy purposes, ratio	8.00%	8.00%
Tier 1 capital (to average assets), minimum required for capital adequacy purposes, amount	$ 66,618	$ 59,923
Tier 1 capital (to average assets), minimum required for capital adequacy purposes, ratio	4.00%	4.00%
CET1 capital (to risk weighted assets) to be well capitalized under prompt corrective action regulations, amount	$ 91,973
CET1 capital (to risk weighted assets) to be well capitalized under prompt corrective action regulations, ratio	6.50%
Tier 1 capital (to risk weighted assets) to be well capitalized under prompt corrective action regulations, amount	$ 113,198	$ 73,182
Tier 1 capital (to risk weighted assets) to be well capitalized under prompt corrective action regulations, ratio	8.00%	6.00%
Total capital (to risk weighted assets) to be well capitalized under prompt corrective action regulations, amount	$ 141,498	$ 121,969
Total capital (to risk weighted assets) to be well capitalized under prompt corrective action regulations, ratio	10.00%	10.00%
Tier 1 capital (to average assets) to be well capitalized under prompt corrective action regulations, amount	$ 83,272	$ 74,904
Tier 1 capital (to average assets) to be well capitalized under prompt corrective action regulations, ratio	5.00%	5.00%

SHAREHOLDERS' EQUITY, Warrants

SHAREHOLDERS' EQUITY, Warrants (Details) - Warrant [Member]	Jul. 28, 2009shares	Jun. 18, 2009shares	Sep. 30, 2015	Dec. 31, 2009USD ($)Issuance$ / sharesshares
Warrant issued [Abstract]
Warrants issued to purchase common stock (in shares)				1,478,811
Exercise price of warrants (in dollars per share) | $ / shares				$ 9
Fair value of warrants issued | $				$ 806,000
Fair value per warrant (in dollars per share) | $ / shares				$ 0.54
Number of issuances | Issuance				2
Warrants executed (in shares)				392
Warrants exercise period			5 years
Issuance on June 18, 2009 [Member]
Warrant issued [Abstract]
Warrants issued to purchase common stock (in shares)		1,361,753
Warrants expiration date			Jun. 17, 2015
Issuance on July 28, 2009 [Member]
Warrant issued [Abstract]
Warrants issued to purchase common stock (in shares)	117,058
Warrants expiration date			Jul. 27, 2015