First Northern Community Bancorp (FNRN) 10-Q 6 Nov 14 2014 Q3 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information	9 Months Ended
	Sep. 30, 2014	Nov. 03, 2014
Document and Entity Information [Abstract]	'	'
Entity Registrant Name	'FIRST NORTHERN COMMUNITY BANCORP	'
Entity Central Index Key	'0001114927	'
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	'Smaller Reporting Company	'
Entity Common Stock, Shares Outstanding	'	9,800,456
Document Fiscal Year Focus	'2014	'
Document Fiscal Period Focus	'Q3	'
Document Type	'10-Q	'
Amendment Flag	'false	'
Document Period End Date	30-Sep-14	'

CONDENSED_CONSOLIDATED_BALANCE

CONDENSED CONSOLIDATED BALANCE SHEETS (UNAUDITED) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Assets	'	'
Cash and cash equivalents	$246,628	$177,254
Investment securities - available-for-sale	143,789	173,269
Loans, net of allowance for loan losses of $8,402 at September 30, 2014 and $9,353 at December 31, 2013	524,796	506,850
Loans held-for-sale	1,258	1,263
Stock in Federal Home Loan Bank and other equity securities, at cost	3,934	3,717
Premises and equipment, net	7,296	7,418
Interest receivable and other assets	26,354	27,898
Total Assets	954,055	897,669
Liabilities:	'	'
Demand deposits	274,249	274,831
Interest-bearing transaction deposits	218,602	207,879
Savings and MMDA's	273,030	231,491
Time, under $100,000	32,116	33,467
Time, $100,000 and over	57,781	56,119
Total deposits	855,778	803,787
Interest payable and other liabilities	8,011	8,974
Total Liabilities	863,789	812,761
Stockholders' Equity:	'	'
Preferred stock, no par value; $1,000 per share liquidation preference, 22,847 shares authorized; 12,847 shares issued and outstanding at September 30, 2014 and December 31, 2013	12,847	12,847
Common stock, no par value; 16,000,000 shares authorized;9,800,456 shares issued and outstanding at September 30, 2014 and 9,495,674 shares issued and outstanding at December 31, 2013	66,788	64,584
Additional paid-in capital	977	977
Retained earnings	9,678	7,573
Accumulated other comprehensive loss, net	-24	-1,073
Total Stockholders' Equity	90,266	84,908
Total Liabilities and Stockholders' Equity	$954,055	$897,669

CONDENSED_CONSOLIDATED_BALANCE1

CONDENSED CONSOLIDATED BALANCE SHEETS (UNAUDITED) (Parenthetical) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, except Share data, unless otherwise specified
Assets	'	'
Loans, allowance for loan losses	$8,402	$9,353
Stockholder's Equity:	'	'
Preferred stock, par value (in dollars per share)	$0	$0
Preferred stock, per share liquidation preference (in dollars per share)	$1,000	$1,000
Preferred stock, shares authorized (in shares)	22,847	22,847
Preferred stock, shares issued (in shares)	12,847	12,847
Preferred stock, shares outstanding (in shares)	12,847	12,847
Common stock, par value (in dollars per share)	$0	$0
Common stock, shares authorized (in shares)	16,000,000	16,000,000
Common stock, shares issued (in shares)	9,800,456	9,495,674
Common stock, shares outstanding (in shares)	9,800,456	9,495,674

CONDENSED_CONSOLIDATED_STATEME

CONDENSED CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) (USD $)	3 Months Ended		9 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Interest and dividend income:	'	'	'	'
Loans	$6,717	$6,466	$19,795	$18,671
Due from banks interest bearing accounts	132	103	411	315
Investment securities	'	'	'	'
Taxable	741	621	2,232	1,961
Non-taxable	85	99	282	298
Other earning assets	77	46	205	106
Total interest and dividend income	7,752	7,335	22,925	21,351
Interest expense:	'	'	'	'
Deposits	312	306	973	952
Total interest expense	312	306	973	952
Net interest income	7,440	7,029	21,952	20,399
Provision for loan losses	400	0	1,600	800
Net interest income after provision for loan losses	7,040	7,029	20,352	19,599
Other operating income:	'	'	'	'
Service charges on deposit accounts	599	606	1,689	1,876
Gains on sales of other real estate owned	0	0	0	1
Gains on sales of loans held-for-sale	179	129	456	1,121
Investment and brokerage services income	158	295	479	958
Mortgage brokerage income	9	28	15	63
Loan servicing income	145	490	366	1,203
Fiduciary activities income	121	136	457	465
ATM fees	145	67	335	219
Signature based transaction fees	487	337	1,183	966
Gains on calls of available-for-sale securities	53	0	53	4
Other income	208	185	647	567
Total other operating income	2,104	2,273	5,680	7,443
Other operating expenses:	'	'	'	'
Salaries and employee benefits	4,031	4,422	11,556	12,630
Occupancy and equipment	728	757	2,186	2,289
Data processing	434	414	1,265	1,258
Stationery and supplies	81	92	255	281
Advertising	84	76	257	263
Directors' fees	68	54	190	161
Other real estate owned expense (income) and impairment	65	-10	106	11
Impairment on other interest earning assets	0	0	50	0
Other expense	1,301	1,120	3,880	3,637
Total other operating expenses	6,792	6,925	19,745	20,530
Income before provision for income taxes	2,352	2,377	6,287	6,512
Provision for income taxes	782	1,004	2,014	2,334
Net income	1,570	1,373	4,273	4,178
Preferred stock dividends	-33	-162	-97	-534
Net income available to common shareholders	$1,537	$1,211	$4,176	$3,644
Basic earnings per share (in dollars per share)	$0.16	$0.12	$0.43	$0.38
Diluted earnings per share (in dollars per share)	$0.16	$0.12	$0.43	$0.37

CONDENSED_CONSOLIDATED_STATEME1

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED) [Abstract]	'	'	'	'
Net income	$1,570	$1,373	$4,273	$4,178
Unrealized holding gains (losses) on securities:	'	'	'	'
Unrealized holding gains (losses) arising during the period, net of tax effect of $(131) and $93 for the three-month periods ended September 30, 2014 and September 30, 2013, respectively, and $721 and $(1,539) for the nine-month periods ended September 30, 2014 and September 30, 2013, respectively	-196	139	1,081	-2,309
Less: reclassification adjustment due to gains realized on sales of securities, net of tax effect of $(21) and $0 for the three-month periods ended September 30, 2014 and September 30, 2013, and $(21) and $(2) for the nine-month periods ended September 30, 2014 and September 30, 2013, respectively	-32	0	-32	-2
Other comprehensive (loss) income	-228	139	1,049	-2,311
Comprehensive income	$1,342	$1,512	$5,322	$1,867

CONDENSED_CONSOLIDATED_STATEME2

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED) (Parenthetical) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Unrealized holding gains (losses) on securities:	'	'	'	'
Unrealized holding gains (losses) arising during the period, tax	($131)	$93	$721	($1,539)
Reclassification adjustment due to gains realized on sales of securities, tax	($21)	$0	($21)	($2)

CONDENSED_CONSOLIDATED_STATEME3

CONDENSED CONSOLIDATED STATEMENT OF STOCKHOLDERS' EQUITY (UNAUDITED) (USD $)	Preferred Stock [Member]	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Total
In Thousands, except Share data
Balance at Dec. 31, 2013	$12,847	$64,584	$977	$7,573	($1,073)	$84,908
Balance (in shares) at Dec. 31, 2013	12,847	9,495,674	'	'	'	'
Net income	'	'	'	4,273	'	4,273
Other comprehensive income	'	'	'	'	1,049	1,049
3% stock dividend	'	2,065	'	-2,065	'	0
3% stock dividend (in shares)	'	284,871	'	'	'	'
Dividend on preferred stock	'	'	'	-97	'	-97
Cash in lieu of fractional shares	'	-145	'	-6	'	-6
Stock-based compensation and related tax benefit	'	139	'	'	'	139
Common shares issued related to restricted stock grants, net	'	'	'	'	'	0
Common shares issued related to restricted stock grants, net (in shares)	'	24,166	'	'	'	'
Restricted stock forfeited	'	'	'	'	'	0
Restricted stock forfeited (in shares)	'	-4,110	'	'	'	'
Balance at Sep. 30, 2014	$12,847	$66,788	$977	$9,678	($24)	$90,266
Balance (in shares) at Sep. 30, 2014	12,847	9,800,456	'	'	'	'

CONDENSED_CONSOLIDATED_STATEME4

CONDENSED CONSOLIDATED STATEMENT OF STOCKHOLDERS' EQUITY (UNAUDITED) (Parenthetical)	0 Months Ended	9 Months Ended
	Jan. 23, 2014	Sep. 30, 2014
CONDENSED CONSOLIDATED STATEMENT OF STOCKHOLDERS' EQUITY (UNAUDITED) [Abstract]	'	'
Stock dividend (in hundredths)	3.00%	3.00%

CONDENSED_CONSOLIDATED_STATEME5

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013
Cash Flows From Operating Activities	'	'
Net income	$4,273	$4,178
Adjustments to reconcile net income to net cash provided by operating activities:	'	'
Depreciation	504	526
Accretion and amortization of investment securities premiums and discounts, net	1,554	2,656
Valuation adjustment on mortgage servicing rights	0	-536
Decrease in deferred loan origination fees and costs, net	-139	-313
Provision for loan losses	1,600	800
Stock plan accruals	139	109
Gains on calls/sales of available-for-sale securities	-53	-4
Impairment on other interest earning assets	50	0
Gains on sales of other real estate owned	0	-1
Impairment on other real estate owned	48	10
Gains on sales of loans held-for-sale	-456	-1,121
Proceeds from sales of loans held-for-sale	21,309	61,014
Originations of loans held-for-sale	-20,848	-57,125
Changes in assets and liabilities:	'	'
Decrease in interest receivable and other assets	844	1,302
Net (decrease) increase in interest payable and other liabilities	-963	502
Net cash provided by operating activities	7,862	11,997
Cash Flows From Investing Activities	'	'
Proceeds from maturities of available-for-sale securities	14,362	8,025
Proceeds from sales of available-for-sale securities	12,140	0
Principal repayments on available-for-sale securities	16,070	27,368
Purchase of available for sale securities	-12,844	-44,413
Net increase in loans	-19,869	-56,754
Net increase in stock in Federal Home Loan Bank and other equity securities, at cost	-267	-110
Proceeds from sale of other real estate owned	414	513
Purchases of premises and equipment, net	-382	-206
Net cash provided by (used in) investing activities	9,624	-65,577
Cash Flows From Financing Activities	'	'
Net increase in deposits	51,991	52,703
Redemption of preferred stock	0	-10,000
Cash dividends paid in lieu of fractional shares	-6	-4
Cash dividends paid on preferred stock	-97	-534
Net cash provided by financing activities	51,888	42,165
Net increase (decrease) in Cash and Cash Equivalents	69,374	-11,415
Cash and Cash Equivalents, beginning of period	177,254	161,359
Cash and Cash Equivalents, end of period	246,628	149,944
Cash paid during the period for:	'	'
Interest	958	962
Income Taxes	1,213	1,260
Supplemental disclosures of non-cash investing and financing activities:	'	'
Stock dividend distributed	2,065	1,047
Tax deficiency related to expired, vested non-qualified stock options	0	-106
Financed sale of other real estate	0	-540
Transfer of loans held-for-investment to other real estate owned	462	0
Unrealized holding gains (losses) on available for sale securities, net of taxes	$1,049	($2,311)

BASIS_OF_PRESENTATION

BASIS OF PRESENTATION	9 Months Ended
	Sep. 30, 2014
BASIS OF PRESENTATION [Abstract]	'
BASIS OF PRESENTATION	'
	1	BASIS OF PRESENTATION
	The accompanying unaudited condensed consolidated financial statements of First Northern Community Bancorp (the “Company”) have been prepared in accordance with accounting principles generally accepted in the United States of America (GAAP) for interim financial information and with the instructions to Form 10-Q and Articles 9 and 10 of Regulation S-X.  Accordingly, they do not include all of the information and notes required by GAAP for complete financial statements.  In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included.  The results of operations for any interim period are not necessarily indicative of results expected for the full year.  These condensed consolidated financial statements should be read in conjunction with the consolidated financial statements and notes thereto contained in the Company’s Annual Report on Form 10-K for the year ended December 31, 2013 as filed with the Securities and Exchange Commission.  The preparation of financial statements in conformity with GAAP also requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenue and expense during the reporting period.  Actual results could differ from those estimates.  All material intercompany balances and transactions have been eliminated in consolidation.
	Recently Issued Accounting Pronouncements:
	In February 2013, FASB issued ASU 2013-04, Obligations Resulting from Joint and Several Liability Arrangements for Which the Total Amount of the Obligation Is Fixed at the Reporting Date, which provides guidance for the recognition, measurement, and disclosure of obligations resulting from joint and several liability arrangements for which the total amount of the obligation is fixed at the reporting date.  Examples of obligations within the scope of this guidance include debt arrangements, other contractual obligations, and settled litigation and judicial rulings.  This guidance is effective for interim and annual periods beginning on January 1, 2014 and must be retroactively applied to prior periods presented.  Early adoption is permitted.  Adoption of the new guidance did not have a significant impact on the Company’s consolidated financial statements.
	In July 2013, FASB issued ASU 2013-11, Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists.  The amendments in this ASU provide that an unrecognized tax benefit, or a portion thereof, should be presented in the financial statements as a reduction to a deferred tax asset for a net operating loss carryforward, a similar tax loss, or a tax credit carryforward, except to the extent that a net operating loss carryforward, a similar tax loss, or a tax credit carryforward is not available at the reporting date to settle any additional income taxes that would result from disallowance of a tax position, or the tax law does not require the entity to use, and the entity does not intend to use, the deferred tax asset for such purpose, then the unrecognized tax benefit should be presented as a liability.  The amendments are effective for fiscal years, and interim periods within those years, beginning after December 15, 2013.  Early adoption and retrospective application is permitted.  Adoption of the new guidance did not have a significant impact on the Company’s consolidated financial statements.
	In January 2014, FASB issued ASU 2014-01, Investments – Equity Method and Joint Ventures.  The amendments in this ASU permit reporting entities to make an accounting policy election to account for their investments in qualified affordable housing projects using the proportional amortization method if certain conditions are met.  Disclosures for a change in accounting principle are required upon transition.  The amendments should be applied retrospectively to all periods presented.  A reporting entity that uses the effective yield method to account for its investments in qualified affordable housing projects before the date of adoption may continue to apply the effective yield method for those preexisting investments.  The amendments in this ASU are effective for public business entities for annual periods and interim periods within those annual periods, beginning after December 15, 2014.  Early adoption is permitted.  The Company does not expect the adoption of this update to have a significant impact on its consolidated financial statements.
	In January 2014, FASB issued ASU 2014-04, Receivables – Troubled Debt Restructurings by Creditors.  The amendments in this ASU clarify that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement.  Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction.  The amendments in this ASU are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014.  An entity can elect to adopt the amendments in this ASU using either a modified retrospective transition method or a prospective transition method.  Early adoption is permitted.  The Company does not expect the adoption of this update to have a significant impact on its consolidated financial statements.
	In January, 2014, FASB issued ASU 2014-05, Service Concession Arrangements.  The amendments specify that an operating entity should not account for a service concession arrangement that is within the scope of this ASU as a lease in accordance with Topic 840.  An operating entity should refer to other Topics as applicable to account for various aspects of a service concession arrangement.  The amendments also specify that the infrastructure used in a service concession arrangement should not be recognized as property, plant, and equipment of the operating entity.  The amendments in this ASU should be applied on a modified retrospective basis to service concession arrangements that exist at the beginning of an entity’s fiscal year of adoption.  The modified retrospective approach requires the cumulative effect of applying this ASU to arrangements existing at the beginning of the period of adoption to be recognized as an adjustment to the opening retained earnings balance for the annual period of adoption.  The amendments are effective for a public business entity for annual periods, and interim periods within those annual periods, beginning after December 15, 2014.  The Company does not expect the adoption of this update to have a significant impact on its consolidated financial statements.
	In August, 2014, FASB issued ASU 2014-14, Receivables- Troubled Debt Restructuring by Creditors: Classification of Certain Government-Guaranteed Mortgage Loans upon Foreclosure.  The amendment affects creditors that hold government-guaranteed mortgage loans, including those guaranteed by the FHA and the VA.  It requires that a mortgage loan be derecognized and a separate other receivable be recognized upon foreclosure if the following conditions are present:
	·	The loan has a government guarantee that is not separable from the loan before foreclosure.
	·	At the time of foreclosure, the creditor has the intent to convey the real estate property to the guarantor and make a claim on the guarantee, and the creditor has the ability to recover under that claim.
	·	At the time of foreclosure, any amount of the claim that is determined on the basis of the fair value of the real estate is fixed.
	Upon foreclosure, the separate other receivable should be measured based on the amount of the loan balance (principal and interest) expected to be recovered from the guarantor.  The amendments are effective for a public business entity for annual periods and interim periods within those annual periods, beginning after December 15, 2014.
	In August, 2014, FASB issued ASU 2014-15, Presentation of Financial Statements- Going Concern: Disclosure of Uncertainties about an Entity’s Ability to Continue as a Going Concern.  The amendment defines management’s responsibility to evaluate whether there is substantial doubt about an organization’s ability to continue as a going concern and to provide related footnote disclosures.  Under GAAP, financial statements are prepared under the presumption that the reporting organization will continue to operate as a going concern, except in limited circumstances. The going concern basis of accounting is critical to financial reporting because it establishes the fundamental basis for measuring and classifying assets and liabilities. Currently, GAAP lacks guidance about management’s responsibility to evaluate whether there is substantial doubt about the organization’s ability to continue as a going concern or to provide related footnote disclosures.  This ASU provides guidance to an organization’s management, with principles and definitions that are intended to reduce diversity in the timing and content of disclosures that are commonly provided by organizations today in the financial statement footnotes.  The amendments are effective for a public business entity for annual periods ending after December 15, 2016, and interim periods within those annual periods, beginning after December 15, 2016.  The Company does not expect the adoption of this update to have a significant impact on its consolidated financial statements.
	Reclassifications
	Certain reclassifications have been made to prior period balances in order to conform to the current year presentation.

LOANS

LOANS	9 Months Ended
	Sep. 30, 2014
LOANS [Abstract]	'
LOANS	'
	2	LOANS
	The composition of the Company’s loan portfolio, by loan class, is as follows:
	($ in thousands)		September 30,				December 31,
			2014				2013
	Commercial		$	117,241			$	110,644
	Commercial Real Estate			253,960				235,296
	Agriculture			55,293				51,730
	Residential Mortgage			49,471				52,809
	Residential Construction			5,395				10,444
	Consumer			50,498				54,079
				531,858				515,002
	Allowance for loan losses			(8,402	)			(9,353	)
	Net deferred origination fees and costs			1,340				1,201
	Loans, net		$	524,796			$	506,850
	The Company manages asset quality and credit risk by maintaining diversification in its loan portfolio and through review processes that include analysis of credit requests and ongoing examination of outstanding loans and delinquencies, with particular attention to portfolio dynamics and loan mix.  The Company strives to identify loans experiencing difficulty early enough to correct the problems, to record charge-offs promptly based on realistic assessments of collectability and current collateral values and to maintain an adequate allowance for loan losses at all times.   Asset quality reviews of loans and other non-performing assets are administered using credit risk rating standards and criteria similar to those employed by state and federal banking regulatory agencies.
	Commercial loans, whether secured or unsecured, generally are made to support the short-term operations and other needs of small businesses.  These loans are generally secured by the receivables, equipment, and real property of the business and are susceptible to the related risks described above.  Problem commercial loans are generally identified by periodic review of financial information that may include financial statements, tax returns, and payment history of the borrower.  Based on this information, the Company may decide to take any of several courses of action including demand for repayment, requiring the borrower to provide a significant principal payment and/or additional collateral or requiring similar support from guarantors. Notwithstanding, when repayment becomes unlikely based on the borrower’s income and cash flow, repossession or foreclosure of the underlying collateral may become necessary.  Collateral values may be determined by appraisals obtained through Bank-approved, licensed appraisers, qualified independent third parties, purchase invoices, or other appropriate means.
	Commercial real estate loans generally fall into two categories, owner-occupied and non-owner occupied.  Loans secured by owner-occupied real estate are primarily susceptible to changes in the market conditions of the related business.  This may be driven by, among other things, industry changes, geographic business changes, changes in the individual financial capacity of the business owner, general economic conditions and changes in business cycles. These same risks apply to commercial loans whether secured by equipment, receivables or other personal property or unsecured.  Losses on loans secured by owner-occupied real estate, equipment, or other personal property generally are dictated by the value of underlying collateral at the time of default and liquidation of the collateral.  When default is driven by issues related specifically to the business owner, collateral values tend to provide better repayment support and may result in little or no loss. Alternatively, when default is driven by more general economic conditions, underlying collateral generally has devalued more and results in larger losses due to default.  Loans secured by non-owner occupied real estate are primarily susceptible to risks associated with swings in occupancy or vacancy and related shifts in lease rates, rental rates or room rates. Most often, these shifts are a result of changes in general economic or market conditions or overbuilding and resulting over-supply of space.  Losses are dependent on the value of underlying collateral at the time of default.  Values are generally driven by these same factors and influenced by interest rates and required rates of return as well as changes in occupancy costs.  Collateral values may be determined by appraisals obtained through Bank-approved, licensed appraisers, qualified independent third parties, sales invoices, or other appropriate means.
	Agricultural loans, whether secured or unsecured, generally are made to producers and processors of crops and livestock.  Repayment is primarily from the sale of an agricultural product or payments for services.  Agricultural loans are generally secured by inventory, receivables, equipment, and real property.  Agricultural loans are susceptible to changes in market demand for specific commodities.  This may be exacerbated by, among other things, industry changes, changes in the individual financial capacity of the business owner, general economic conditions and changes in business cycles, as well as adverse weather conditions, including drought conditions such as those affecting California.  Problem agricultural loans are generally identified by periodic review of financial information that may include financial statements, tax returns, crop budgets, payment history, and crop inspections.  Based on this information, the Company may decide to take any of several courses of action including demand for repayment, requiring the borrower to provide a significant principal payment and/or additional collateral or requiring similar support from guarantors. Notwithstanding, when repayment becomes unlikely based on the borrower’s income and cash flow, repossession or foreclosure of the underlying collateral may become necessary.
	Residential mortgage loans, which are secured by real estate, are primarily susceptible to four risks: non-payment due to diminished or lost income; over-extension of credit; a lack of borrower’s cash flow to sustain payments; and shortfalls in collateral value.  In general, non-payment is usually due to loss of employment and follows general economic trends in the economy, particularly the upward movement in the unemployment rate, loss of collateral value, and demand shifts.
	Residential construction loans, whether owner-occupied or non-owner occupied residential development loans, are not only susceptible to the related risks described above but the added risks of construction, including cost over-runs, mismanagement of the project, or lack of demand and market changes experienced at time of completion.  Losses are primarily related to underlying collateral value and changes therein as described above.  Problem construction loans are generally identified by periodic review of financial information that may include financial statements, tax returns and payment history of the borrower.  Based on this information the Company may decide to take any of several courses of action including demand for repayment, requiring the borrower to provide a significant principal payment and/or additional collateral or requiring similar support from guarantors, or repossession or foreclosure of the underlying collateral.  Collateral values may be determined by appraisals obtained through Bank-approved, licensed appraisers, qualified independent third parties, purchase invoices, or other appropriate means.
	Consumer loans, whether unsecured or secured are primarily susceptible to four risks: non-payment due to diminished or lost income; over-extension of credit; a lack of borrower’s cash flow to sustain payments; and shortfall in the collateral value.  In general, non-payment is usually due to loss of employment and will follow general economic trends in the economy, particularly upward movements in the unemployment rate, loss of collateral value, and demand shifts.
	As of September 30, 2014, approximately 48% in principal amount of the Company’s loans were secured by commercial real estate, consisting primarily of construction and land development loans and loans secured by commercial properties.  Approximately 9% in principal amount of the Company’s loans were residential mortgage loans.  Approximately 1% in principal amount of the Company’s loans were residential construction loans.  Approximately 10% in principal amount of the Company’s loans were for agriculture and 22% in principal amount of the Company’s loans were for general commercial uses including professional, retail and small businesses.  Approximately 10% in principal amount of the Company’s loans were consumer loans.
	Once a loan becomes delinquent and repayment becomes questionable, a Company collection officer will address collateral shortfalls with the borrower and attempt to obtain additional collateral or a principal payment.  If this is not forthcoming and payment in full is unlikely, the Company will consider the loan to be collateral dependent and will estimate its probable loss, using a recent valuation as appropriate to the underlying collateral less estimated costs of sale, and charge-off the loan down to the estimated net realizable amount.  Depending on the length of time until final collection, the Company may periodically revalue the underlying collateral and take additional charge-offs as warranted. Revaluations may occur as often as every 3-12 months depending on the underlying collateral and volatility of values.  Final charge-offs or recoveries are taken when collateral is liquidated and actual loss is known.  Unpaid balances on loans after or during collection and liquidation may also be pursued through legal action and attachment of wages or judgment liens on the borrower's other assets.
	At September 30, 2014 and December 31, 2013, all loans were pledged under a blanket collateral lien to secure actual and potential borrowings from the Federal Home Loan Bank (“FHLB”) and the Federal Reserve Bank.
	Non-accrual and Past Due Loans
	The Company’s non-accrual loans by loan class, as of September 30, 2014 and December 31, 2013 were as follows:
	($ in thousands)		September 30,				December 31,
			2014				2013
	Commercial		$	2,198			$	2,609
	Commercial Real Estate			1,648				2,607
	Agriculture			—				1,590
	Residential Mortgage			2,039				2,166
	Residential Construction			76				93
	Consumer			675				505
			$	6,636			$	9,570
	Non-accrual loans amounted to $6,636,000 at September 30, 2014 and were comprised of seven residential mortgage loans totaling $2,039,000, two residential construction loans totaling $76,000, seven commercial real estate loans totaling $1,648,000, seven commercial loans totaling $2,198,000 and seven consumer loans totaling $675,000.  Non-accrual loans amounted to $9,570,000 at December 31, 2013 and were comprised of seven residential mortgage loans totaling $2,166,000, two residential construction loans totaling $93,000, nine commercial real estate loans totaling $2,607,000, three agricultural loans totaling $1,590,000, nine commercial loans totaling $2,609,000 and five consumer loans totaling $505,000.  It is generally the Company’s policy to charge-off the portion of any non-accrual loan that the Company does not expect to collect by writing the loan down to the estimated net realizable value of the underlying collateral.
	An age analysis of past due loans, segregated by loan class, as of September 30, 2014 and December 31, 2013 is as follows:
	($ in thousands)		30-59 Days Past Due				60-89 Days Past Due				90 Days or more Past Due				Total Past Due				Current				Total Loans
	30-Sep-14
	Commercial		$	—			$	142			$	192			$	334			$	116,907			$	117,241
	Commercial Real Estate			388				—				1,156				1,544				252,416				253,960
	Agriculture			—				—				—				—				55,293				55,293
	Residential Mortgage			1,069				655				119				1,843				47,628				49,471
	Residential Construction			39				—				73				112				5,283				5,395
	Consumer			76				—				571				647				49,851				50,498
	Total		$	1,572			$	797			$	2,111			$	4,480			$	527,378			$	531,858
	31-Dec-13
	Commercial		$	200			$	96			$	269			$	565			$	110,079			$	110,644
	Commercial Real Estate			49				341				531				921				234,375				235,296
	Agriculture			—				—				—				—				51,730				51,730
	Residential Mortgage			207				—				99				306				52,503				52,809
	Residential Construction			40				8				—				48				10,396				10,444
	Consumer			26				—				23				49				54,030				54,079
	Total		$	522			$	445			$	922			$	1,889			$	513,113			$	515,002
	The Company had two consumer loans totaling $147,000 that were 90 days or more past due and still accruing at September 30, 2014.  The Company had no loans 90 days or more past due and still accruing at December 31, 2013.
	Impaired Loans
	A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement, including scheduled interest payments.  Loans considered for impairment include non-accrual loans, troubled debt restructurings and loans with a risk rating of 6 (substandard) or worse.  Once identified, impaired loans are measured individually for impairment using one of three methods:  present value of expected cash flows discounted at the loan’s effective interest rate; the loan’s observable market price; and the fair value of collateral if the loan is collateral dependent.  In general, any portion of the recorded investment in a collateral dependent loan in excess of the fair value of the collateral that can be identified as uncollectible, and is, therefore, deemed a confirmed loss, is promptly charged-off against the allowance for loan losses.
	Impaired loans, segregated by loan class, as of September 30, 2014 and December 31, 2013 were as follows:
	($ in thousands)		Unpaid Contractual Principal Balance				Recorded Investment with no Allowance				Recorded Investment with Allowance				Total Recorded Investment				Related Allowance
	30-Sep-14
	Commercial		$	2,864			$	2,193			$	545			$	2,738			$	36
	Commercial Real Estate			2,758				1,648				1,092				2,740				56
	Agriculture			—				—				—				—				—
Residential Mortgage			6,215				2,039				3,228				5,267				645
Residential Construction			1,077				76				832				908				111
Consumer			2,088				804				882				1,686				22
Total		$	15,002			$	6,760			$	6,579			$	13,339			$	870
31-Dec-13
Commercial		$	5,794			$	5,010			$	656			$	5,666			$	83
Commercial Real Estate			3,746				2,607				1,122				3,729				63
Agriculture			1,878				1,591				—				1,591				—
Residential Mortgage			6,524				2,166				3,409				5,575				701
Residential Construction			1,115				94				849				943				254
Consumer			1,621				563				690				1,253				24
Total		$	20,678			$	12,031			$	6,726			$	18,757			$	1,125
The average recorded investment in impaired loans and the amount of interest income recognized on impaired loans during the three-month periods ended September 30, 2014 and September 30, 2013 was as follows:
($ in thousands)		Three Months Ended								Three Months Ended
		30-Sep-14								30-Sep-13
		Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized
Commercial		$	2,993			$	9			$	3,335			$	10
Commercial Real Estate			2,930				20				3,341				22
Agriculture			—				—				—				—
Residential Mortgage			5,293				32				5,796				42
Residential Construction			914				9				961				10
Consumer			1,500				11				896				14
Total		$	13,630			$	81			$	14,329			$	98
The average recorded investment in impaired loans and the amount of interest income recognized on impaired loans during the nine-month periods ended September 30, 2014 and September 30, 2013 was as follows:
($ in thousands)		Nine Months Ended								Nine Months Ended
		30-Sep-14								30-Sep-13
		Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized
Commercial		$	4,039			$	19			$	3,342			$	29
Commercial Real Estate			3,320				58				3,180				65
Agriculture			655				—				—				—
Residential Mortgage			5,389				96				5,267				103
Residential Construction			925				29				1,027				33
Consumer			1,482				40				974				30
Total		$	15,810			$	242			$	13,790			$	260
None of the interest on impaired loans was recognized using a cash basis of accounting for the three-month and nine-month periods ended September 30, 2014 and September 30, 2013.
Troubled Debt Restructurings
The Company’s loan portfolio includes certain loans that have been modified in a Troubled Debt Restructuring (“TDR”), which are loans on which concessions in terms have been granted because of the borrowers’ financial difficulties and, as a result, the Company receives less than the current market based compensation for the loan.  These concessions may include reductions in the interest rate, payment extensions, forgiveness of principal, forbearance, or other actions.  Certain TDRs are placed on non-accrual status at the time of restructure and may only be returned to accruing status after considering the borrower’s sustained repayment performance for a reasonable period, generally six months.
When a loan is modified, it is measured based upon the present value of future cash flows discounted at the contractual interest rate of the original loan agreement, or the fair value of collateral less selling costs if the loan is collateral dependent.  If the value of the modified loan is less than the recorded investment in the loan, impairment is recognized through a specific allowance or a charge-off of the loan.
The Company had $9,677,000 and $9,929,000 in TDR loans as of September 30, 2014 and December 31, 2013, respectively.  Specific reserves for TDR loans totaled $870,000 and $1,096,000 as of September 30, 2014 and December 31, 2013, respectively.  TDR loans performing in compliance with modified terms totaled $6,703,000 and $6,750,000 as of September 30, 2014 and December 31, 2013, respectively.  There were no commitments to advance more funds on existing TDR loans as of September 30, 2014.
There were no loans modified as troubled debt restructurings during the three-month period ended September 30, 2014.  Loans modified as troubled debt restructurings during the three-month period ended September 30, 2013 were as follows:
($ in thousands)		Three Months Ended September 30, 2013
		Number of Contracts				Pre-modification outstanding recorded investment				Post-modification outstanding recorded investment
Commercial			1			$	149			$	149
Consumer			3				233				233
Total			4			$	382			$	382
Loans modified as troubled debt restructurings during the nine-month periods ended September 30, 2014 and September 30, 2013 were as follows:
($ in thousands)		Nine Months Ended September 30, 2014
		Number of Contracts				Pre-modification outstanding recorded investment				Post-modification outstanding recorded investment
Commercial			1			$	49			$	49
Consumer			2				498				498
Total			3			$	547			$	547
($ in thousands)		Nine Months Ended September 30, 2013
		Number of Contracts				Pre-modification outstanding recorded investment				Post-modification outstanding recorded investment
Commercial			2			$	393			$	393
Residential Mortgage			1				568				377
Consumer			3				233				233
Total			6			$	1,194			$	1,003
The loan modifications generally involved reductions in the interest rate, payment extensions, forgiveness of principal, and forbearance.  There was one consumer loan with a recorded investment of $49,000 that was modified as a troubled debt restructuring within the previous 12 months and for which there was a payment default during the three-month and nine-month periods ended September 30, 2014.  There were no loans modified as a troubled debt restructuring within the previous 12 months and for which there was a payment default during the three-month and nine-month periods ended September 30, 2013.
Credit Quality Indicators
All loans are rated using the credit risk ratings and criteria adopted by the Company.  Risk ratings are adjusted as future circumstances warrant.  All credits risk rated 1, 2, 3 or 4 equate to a Pass as indicated by Federal and State regulatory agencies; a 5 equates to a Special Mention; a 6 equates to Substandard; a 7 equates to Doubtful; and 8 equates to a Loss.  For the definitions of each risk rating, see Note 4 to our condensed consolidated financial statements included in our Annual Report on Form 10-K for the year ended December 31, 2013.
The following table presents the risk ratings by loan class as of September 30, 2014 and December 31, 2013:
($ in thousands)		Pass				Special Mention				Substandard				Doubtful				Loss				Total
30-Sep-14
Commercial		$	108,852			$	2,610			$	5,779			$	—			$	—			$	117,241
Commercial Real Estate			235,515				9,491				8,954				—				—				253,960
Agriculture			55,293				—				—				—				—				55,293
Residential Mortgage			45,143				198				4,130				—				—				49,471
Residential Construction			4,809				470				116				—				—				5,395
Consumer			46,394				944				3,160				—				—				50,498
Total		$	496,006			$	13,713			$	22,139			$	—			$	—			$	531,858
31-Dec-13
Commercial		$	98,755			$	2,762			$	9,127			$	—			$	—			$	110,644
Commercial Real Estate			218,884				5,978				10,434				—				—				235,296
Agriculture			50,139				—				1,591				—				—				51,730
Residential Mortgage			48,519				539				3,751				—				—				52,809
Residential Construction			7,823				1,167				1,454				—				—				10,444
Consumer			48,903				2,585				2,591				—				—				54,079
Total		$	473,023			$	13,031			$	28,948			$	—			$	—			$	515,002
Allowance for Loan Losses
The following table details activity in the allowance for loan losses by loan class for the three-month and nine-month periods ended September 30, 2014:
Three-month period ended September 30, 2014
($ in thousands)		Commercial				Commercial Real Estate				Agriculture				Residential Mortgage				Residential Construction				Consumer				Unallocated				Total
Balance as of June 30, 2014		$	3,471			$	1,691			$	439			$	1,126			$	196			$	1,013			$	238			$	8,174
Provision for loan losses			314				(66	)			108				53				(77	)			(58	)			126				400
Charge-offs			(203	)			—				—				—				—				(50	)			—				(253	)
Recoveries			12				—				—				—				42				27				—				81
Net charge-offs			(191	)			—				—				—				42				(23	)			—				(172	)
Balance as of September 30, 2014		$	3,594			$	1,625			$	547			$	1,179			$	161			$	932			$	364			$	8,402
Nine-month period ended September 30, 2014
($ in thousands)		Commercial				Commercial Real Estate				Agriculture				Residential Mortgage				Residential Construction				Consumer				Unallocated				Total
Balance as of December 31, 2013		$	3,199			$	2,290			$	557			$	1,216			$	441			$	1,023			$	627			$	9,353
Provision for loan losses			2,637				(596	)			(10	)			(37	)			(325	)			194				(263	)			1,600
Charge-offs			(2,288	)			(69	)			—				—				—				(378	)			—				(2,735	)
Recoveries			46				—				—				—				45				93				—				184
Net charge-offs			(2,242	)			(69	)			—				—				45				(285	)			—				(2,551	)
Balance as of September 30, 2014		$	3,594			$	1,625			$	547			$	1,179			$	161			$	932			$	364			$	8,402
The following table details the allowance for loan losses allocated to loans individually and collectively evaluated for impairment by loan class as of September 30, 2014:
($ in thousands)	Commercial				Commercial Real Estate				Agriculture				Residential Mortgage				Residential Construction				Consumer				Unallocated				Total
Period-end amount allocated to:
Loans individually evaluated for impairment		$	36			$	56			$	—			$	645			$	111			$	22			$	—			$	870
Loans collectively evaluated for impairment			3,558				1,569				547				534				50				910				364				7,532
Ending Balance		$	3,594			$	1,625			$	547			$	1,179			$	161			$	932			$	364			$	8,402
The following table details activity in the allowance for loan losses by loan class for the three-month and nine-month periods ended September 30, 2013:
Three-month period ended September 30, 2013
($ in thousands)		Commercial				Commercial Real Estate				Agriculture				Residential Mortgage				Residential Construction				Consumer				Unallocated				Total
Balance as of June, 30, 2013		$	2,869			$	2,037			$	748			$	1,054			$	503			$	1,041			$	474			$	8,726
Provision for loan losses			191				309				(137	)			(127	)			(70	)			126				(292	)			—
Charge-offs			(1	)			—				—				—				—				(115	)			—				(116	)
Recoveries			25				—				—				145				1				11				—				182
Net charge-offs			24				—				—				145				1				(104	)			—				66
Balance as of September 30, 2013		$	3,084			$	2,346			$	611			$	1,072			$	434			$	1,063			$	182			$	8,792
Nine-month period ended September 30, 2013
($ in thousands)		Commercial				Commercial Real Estate				Agriculture				Residential Mortgage				Residential Construction				Consumer				Unallocated				Total
Balance as of December 31, 2012		$	2,899			$	1,723			$	915			$	1,148			$	724			$	1,110			$	35			$	8,554
Provision for loan losses			149				575				(306	)			100				(207	)			342				147				800
Charge-offs			(113	)			(3	)			(1	)			(333	)			(127	)			(491	)			—				(1,068	)
Recoveries			149				51				3				157				44				102				—				506
Net charge-offs			36				48				2				(176	)			(83	)			(389	)			—				(562	)
Balance as of September 30, 2013		$	3,084			$	2,346			$	611			$	1,072			$	434			$	1,063			$	182			$	8,792
The following table details the allowance for loan losses allocated to loans individually and collectively evaluated for impairment by loan class as of September 30, 2013:
($ in thousands)	Commercial				Commercial Real Estate				Agriculture				Residential Mortgage				Residential Construction				Consumer				Unallocated				Total
Period-end amount allocated to:
Loans individually evaluated for impairment		$	107			$	20			$	—			$	622			$	252			$	74			$	—			$	1,075
Loans collectively evaluated for impairment			2,977				2,326				611				450				182				989				182				7,717
Ending Balance		$	3,084			$	2,346			$	611			$	1,072			$	434			$	1,063			$	182			$	8,792
The following table details activity in the allowance for loan losses and the amount allocated to loans individually and collectively evaluated for impairment as of and for the period ended December 31, 2013:
Year ended December 31, 2013
($ in thousands)		Commercial				Commercial Real Estate				Agriculture				Residential Mortgage				Residential Construction				Consumer				Unallocated				Total
Balance as of December 31, 2012		$	2,899			$	1,723			$	915			$	1,148			$	724			$	1,110			$	35			$	8,554
Provision for (reversal of) loan losses			91				533				(360	)			244				(201	)			301				592				1,200
Charge-offs			(168	)			(17	)			(1	)			(333	)			(127	)			(572	)			—				(1,218	)
Recoveries			377				51				3				157				45				184				—				817
Net charge-offs			209				34				2				(176	)			(82	)			(388	)			—				(401	)
Ending Balance			3,199				2,290				557				1,216				441				1,023				627				9,353
Period-end amount allocated to:
Loans individually evaluated for impairment			83				63				—				701				254				24				—				1,125
Loans collectively evaluated for impairment			3,116				2,227				557				515				187				999				627				8,228
Balance as of December 31, 2013		$	3,199			$	2,290			$	557			$	1,216			$	441			$	1,023			$	627			$	9,353
The Company’s investment in loans as of September 30, 2014, September 30, 2013, and December 31, 2013 related to each balance in the allowance for loan losses by loan class and disaggregated on the basis of the Company’s impairment methodology was as follows:
($ in thousands)		Commercial				Commercial Real Estate				Agriculture				Residential Mortgage				Residential Construction				Consumer				Total
30-Sep-14
Loans individually evaluated for impairment		$	2,738			$	2,740			$	—			$	5,267			$	908			$	1,686			$	13,339
Loans collectively evaluated for impairment			114,503				251,220				55,293				44,204				4,487				48,812				518,519
Ending Balance		$	117,241			$	253,960			$	55,293			$	49,471			$	5,395			$	50,498			$	531,858
30-Sep-13
Loans individually evaluated for impairment		$	3,410			$	3,078			$	—			$	5,647			$	955			$	903			$	13,993
Loans collectively evaluated for impairment			103,341				227,206				49,657				47,197				8,599				54,967				490,967
Ending Balance		$	106,751			$	230,284			$	49,657			$	52,844			$	9,554			$	55,870			$	504,960
31-Dec-13
Loans individually evaluated for impairment		$	5,666			$	3,729			$	1,591			$	5,575			$	943			$	1,253			$	18,757
Loans collectively evaluated for impairment			104,978				231,567				50,139				47,234				9,501				52,826				496,245
Ending Balance		$	110,644			$	235,296			$	51,730			$	52,809			$	10,444			$	54,079			$	515,002

MORTGAGE_OPERATIONS

MORTGAGE OPERATIONS	9 Months Ended
	Sep. 30, 2014
MORTGAGE OPERATIONS [Abstract]	'
MORTGAGE OPERATIONS	'
	3	MORTGAGE OPERATIONS
	Transfers and servicing of financial assets and extinguishments of liabilities are accounted for and reported based on consistent application of a financial-components approach that focuses on control.  Transfers of financial assets that are sales are distinguished from transfers that are secured borrowings.  Retained interests (mortgage servicing rights) in loans sold are measured by allocating the previous carrying amount of the transferred assets between the loans sold and retained interests, if any, based on their relative fair value at the date of transfer.  Fair values are estimated using discounted cash flows based on a current market interest rate.
	The Company recognizes a gain and a related asset for the fair value of the rights to service loans for others when loans are sold.  The Company sold substantially its entire portfolio of conforming long-term residential mortgage loans originated during the nine months ended September 30, 2014 for cash proceeds equal to the fair value of the loans.
	The recorded value of mortgage servicing rights is included in other assets on the condensed consolidated balance sheets, and is amortized in proportion to, and over the period of, estimated net servicing revenues.  The Company assesses capitalized mortgage servicing rights for impairment based upon the fair value of those rights at each reporting date. For purposes of measuring impairment, the rights are stratified based upon the product type, term and interest rates.  Fair value is determined by discounting estimated net future cash flows from mortgage servicing activities using discount rates that approximate current market rates and estimated prepayment rates, among other assumptions.  The amount of impairment recognized, if any, is the amount by which the capitalized mortgage servicing rights for a stratum exceeds their fair value.  Impairment, if any, is recognized through a valuation allowance for each individual stratum.  Changes in the carrying amount of mortgage servicing rights are reported in earnings under other operating income on the condensed consolidated statements of income.
	Key assumptions used in measuring the fair value of mortgage servicing rights as of September 30, 2014 and December 31, 2013 were as follows:
			30-Sep-14			31-Dec-13
	Constant prepayment rate			11.36	%		9.09	%
	Discount rate			10.05	%		10.05	%
	Weighted average life (years)			6.49			7.05
	At September 30, 2014 and December 31, 2013, the Company’s mortgage loans held-for-sale was $1,258,000 and $1,263,000, respectively.  At September 30, 2014, and December 31, 2013, the Company serviced real estate mortgage loans for others totaling $239,351,000 and $243,299,000, respectively.
	The following table summarizes the Company’s mortgage servicing rights assets as of September 30, 2014 and December 31, 2013.  Mortgage servicing rights are included in Interest Receivable and Other Assets on the condensed consolidated balance sheets:
			(in thousands)
			31-Dec-13			Additions			Reductions			30-Sep-14
	Mortgage servicing rights		$	1,968		$	170		$	(260	)	$	1,878
	Valuation allowance			—			—			—			—
	Mortgage servicing rights, net of valuation allowance		$	1,968		$	170		$	(260	)	$	1,878
	At September 30, 2014 and December 31, 2013, the estimated fair market value of the Company’s mortgage servicing rights asset was $2,126,000 and $2,326,000, respectively.
	The Company received contractually specified servicing fees of $152,000 and $155,000 for the three month periods ended September 30, 2014 and September 30, 2013, respectively.  The Company received contractually specified servicing fees of $456,000 and $462,000 for the nine month periods ended September 30, 2014 and September 30, 2013, respectively.  Contractually specified servicing fees are included in other operating Income on the condensed consolidated statements of income.

OUTSTANDING_SHARES_AND_EARNING

OUTSTANDING SHARES AND EARNINGS PER SHARE	9 Months Ended
	Sep. 30, 2014
OUTSTANDING SHARES AND EARNINGS PER SHARE [Abstract]	'
OUTSTANDING SHARES AND EARNINGS PER SHARE	'
	4	OUTSTANDING SHARES AND EARNINGS PER SHARE
	On January 23, 2014, the Board of Directors of the Company declared a 3% stock dividend payable as of March 31, 2014.  All income per share amounts have been adjusted to give retroactive effect to stock dividends.
	Earnings Per Share (EPS)
	Basic EPS includes no dilution and is computed by dividing net income available to common shareholders by the weighted average number of common shares outstanding for the respective period.  Quarter-to-date diluted EPS is computed by dividing net income available to common shareholders by the weighted average number of shares outstanding plus dilutive shares for the quarter.  Year-to-date diluted EPS is computed by dividing net income available to common shareholders by the weighted average number of shares outstanding plus average dilutive shares year-to-date.  Diluted shares include all common stock equivalents (“in-the-money” stock options, unvested restricted stock, stock units, warrants and rights, convertible bonds and preferred stock), which reflects the potential dilution of securities that could share in the earnings of the Company.
	The following table presents a reconciliation of basic and diluted EPS for the three-month and nine-month period ended September 30, 2014 and 2013.
			Three months ended						Nine Months ended
			September 30,						September 30,
			2014			2013			2014			2013
	Basic earnings per share:
	Net income		$	1,570		$	1,373		$	4,273		$	4,178
	Preferred stock dividend		$	(33	)	$	(162	)	$	(97	)	$	(534	)
	Net income available to common stockholders		$	1,537		$	1,211		$	4,176		$	3,644
	Weighted average common shares outstanding			9,729,443			9,701,098			9,724,986			9,696,042
	Basic EPS		$	0.16		$	0.12		$	0.43		$	0.38
	Diluted earnings per share:
	Net income		$	1,570		$	1,373		$	4,273		$	4,178
	Preferred stock dividend		$	(33	)	$	(162	)	$	(97	)	$	(534	)
	Net income available to common stockholders		$	1,537		$	1,211		$	4,176		$	3,644
	Weighted average common shares outstanding			9,729,443			9,701,098			9,724,986			9,696,042
	Effect of dilutive shares			52,440			38,862			49,534			34,897
	Adjusted weighted average common shares outstanding			9,781,883			9,739,960			9,774,520			9,730,939
	Diluted EPS		$	0.16		$	0.12		$	0.43		$	0.37
	Stock options which were not included in the computation of diluted earnings per share because they would have had an anti-dilutive effect amounted to 220,467 shares and 310,847 shares for the three-month periods ended September 30, 2014 and 2013, respectively.  Stock options which were not included in the computation of diluted earnings per share because they would have had an anti-dilutive effect amounted to 236,137 shares and 322,949 shares for the nine-month periods ended September 30, 2014 and 2013, respectively.  There were no non-vested shares of restricted stock not included in the computation of diluted earnings per share because they would have an anti-dilutive effect for the three-month periods ended September 30, 2014 and 2013.  Non-vested shares of restricted stock that were not included in the computation of diluted earnings per share because they would have had an anti-dilutive effect amounted to 8,205 shares and 2,852 shares for the nine-month periods ended September 30, 2014 and 2013, respectively.

STOCK_PLANS

STOCK PLANS	9 Months Ended
	Sep. 30, 2014
STOCK PLANS [Abstract]	'
STOCK PLANS	'
	5	STOCK PLANS
	On January 23, 2014, the Board of Directors of the Company declared a 3% stock dividend payable as of March 31, 2014.  All stock options and restricted stock outstanding have been adjusted to give retroactive effect to stock dividends.
	The following table presents the activity related to stock options for the three months ended September 30, 2014:
			Number of Shares			Weighted Average Exercise Price			Aggregate Intrinsic Value		Weighted Average Remaining Contractual Term (in years)
	Options outstanding at Beginning of  Period			301,457		$	12.01
	Granted			—			—
	Expired			—			—
	Cancelled / Forfeited			—			—
	Exercised			—			—
	Options outstanding at End of Period			301,457		$	12.01		$	231,049		3.21
	Exercisable (vested) at End of Period			253,265		$	13.13		$	160,204		2.2
	The following table presents the activity related to stock options for the nine months ended September 30, 2014:
			Number of Shares			Weighted Average Exercise Price			Aggregate Intrinsic Value		Weighted Average Remaining Contractual Term (in years)
	Options outstanding at Beginning of  Period			368,177		$	11.52
	Granted			18,967		$	7.28
	Expired			(85,687	)	$	8.89
	Cancelled / Forfeited			—			—
	Exercised			—			—
	Options outstanding at End of Period			301,457		$	12.01		$	231,049		3.21
	Exercisable (vested) at End of Period			253,265		$	13.13		$	160,204		2.2
	The weighted average grant date fair value per share of options granted during the nine-month period ended September 30, 2014 was $3.03 per share.
	As of September 30, 2014, there was $103,000 of total unrecognized compensation cost related to non-vested stock options.  This cost is expected to be recognized over a weighted average period of approximately 2.68 years.
	There was $35,000 of recognized compensation cost related to stock options granted for the nine months  ended September 30, 2014.
	A summary of the weighted average assumptions used in valuing stock options during the three months and nine months ended September 30, 2014 is presented below:
			Three Months Ended			Nine Months Ended
			September 30, 2014*			30-Sep-14
	Risk Free Interest Rate			—			1.53	%
	Expected Dividend Yield			—			0	%
	Expected Life in Years			—			5
	Expected Price Volatility			—			45.93	%
	* There were no stock options granted during the three-month period ended September 30, 2014.
	The following table presents the activity related to non-vested restricted stock for the three months ended September 30, 2014:
			Number of Shares			Weighted Average Grant-Date Fair Value			Aggregate Intrinsic Value		Weighted Average Remaining Contractual Term (in years)
	Non-vested Restricted stock outstanding at Beginning of  Period			71,013		$	5.87
	Granted			—			—
	Cancelled / Forfeited			—			—
	Exercised/Released/Vested			—			—
	Non-vested restricted stock outstanding at End of Period			71,013		$	5.87		$	536,148		8.22
	The following table presents the activity related to non-vested restricted stock for the nine months ended September 30, 2014:
			Number of Shares			Weighted Average Grant-Date Fair Value			Aggregate Intrinsic Value		Weighted Average Remaining Contractual Term (in years)
	Non-vested Restricted stock outstanding at Beginning of  Period			61,541		$	4.88
	Granted			24,890		$	7.28
	Cancelled / Forfeited			(4,230	)	$	4.74
	Exercised/Released/Vested			(11,188	)	$	4.01
	Non-vested restricted stock outstanding at End of Period			71,013		$	5.87		$	536,148		8.22
	The weighted average fair value of restricted stock granted during the nine month period ended September 30, 2014 was $7.28 per share.
	As of September 30, 2014, there was $244,000 of total unrecognized compensation cost related to non-vested restricted stock.  This cost is expected to be recognized over a weighted average period of approximately 2.75 years.
	There was $81,000 of recognized compensation cost related to restricted stock awards for the nine month ended September 30, 2014.
	The Company has an Employee Stock Purchase Plan (“ESPP”).  Under the ESPP, the Company is authorized to issue to eligible employees shares of common stock.  There are 309,986 (adjusted for the 2014 stock dividend) shares authorized under the ESPP.  The ESPP will terminate March 15, 2016.  The ESPP is implemented by participation periods of not more than twenty-seven months each.  The Board of Directors determines the commencement date and duration of each participation period.  The Board of Directors approved the current participation period of November 24, 2013 to November 23, 2014.  An eligible employee is one who has been continually employed for at least 90 days prior to commencement of a participation period. Under the terms of the ESPP, employees can choose to have up to 10 percent of their compensation withheld to purchase the Company’s common stock each participation period.  The purchase price of the stock is 85 percent of the lower of the fair value on the last trading day before the date of participation or the fair value on the last trading day during the participation period.
	As of September 30, 2014, there was $4,000 of unrecognized compensation cost related to ESPP issuances.  This cost is expected to be recognized over a weighted average period of approximately 0.25 years.
	There was $23,000 of recognized compensation cost related to ESPP issuances for the nine-month period ended September 30, 2014.
	The weighted average fair value at issuance date during the nine-month period ended September 30, 2014 was $1.56.
	A summary of the weighted average assumptions used in valuing ESPP issuances during the three months and nine month ended September 30, 2014 is presented below:
			Three Months Ended			Nine Months Ended
			30-Sep-14			30-Sep-14
	Risk Free Interest Rate			0.12	%		0.12	%
	Expected Dividend Yield			0	%		0	%
	Expected Life in Years			1			1
	Expected Price Volatility			20	%		20	%

FAIR_VALUE_MEASUREMENT

FAIR VALUE MEASUREMENT	9 Months Ended
	Sep. 30, 2014
FAIR VALUE MEASUREMENT [Abstract]	'
FAIR VALUE MEASUREMENT	'
	6	FAIR VALUE MEASUREMENT
	The Company utilizes fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures.  Securities available-for-sale and trading securities are recorded at fair value on a recurring basis.  Additionally, from time to time, the Company may be required to record at fair value other assets on a non-recurring basis, such as loans held-for-sale, loans held-for-investment and certain other assets.  These non-recurring fair value adjustments typically involve application of lower of cost or market accounting or write-downs of individual assets.  Transfers between levels of the fair value hierarchy are recognized on the actual date of the event or circumstances that caused the transfer, which generally corresponds with the Company’s quarterly valuation process.
	Fair Value Hierarchy
	The Company groups assets and liabilities at fair value in three levels, based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value.  These levels are:
		Level 1	Valuation is based upon quoted prices for identical instruments traded in active markets.
		Level 2	Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active and model-based valuation techniques for which all significant assumptions are observable or can be corroborated by observable market data.
		Level 3	Valuation is generated from model-based techniques that use at least one significant assumption not observable in the market.  These unobservable assumptions reflect estimates of assumptions that market participants would use in pricing the asset or liability.  Valuation techniques include use of option pricing models, discounted cash flow models, and similar techniques and include management judgment and estimation which may be significant.
	Following is a description of valuation methodologies used for assets and liabilities recorded at fair value.
	Investment Securities Available-for-Sale
	Investment securities available-for-sale are recorded at fair value on a recurring basis.  Fair value measurement is based upon quoted market prices, if available.  If quoted market prices are not available, fair values are measured using independent pricing models or other model-based valuation techniques such as the present value of future cash flows, adjusted for the security’s credit rating, prepayment assumptions, and other factors such as credit loss assumptions.  Level 1 securities include those traded on an active exchange, such as the New York Stock Exchange, U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets and money market funds.  Level 2 securities include mortgage-backed securities issued by government sponsored entities, municipal bonds and corporate debt securities.  Securities classified as Level 3 include asset-backed securities in less liquid markets where valuations include significant unobservable assumptions.
	Loans Held-for-Sale
	Loans held-for-sale are carried at the lower of cost or fair value.  The fair value of loans held-for-sale is based on what secondary markets are currently offering for portfolios with similar characteristics.  As such, the Company classifies loans subjected to non-recurring fair value adjustments as Level 2.  At September 30, 2014 there were no loans held-for-sale that required a write-down.
	Impaired Loans
	The Company does not record loans at fair value on a recurring basis.  However, from time to time, a loan is considered impaired and an allowance for loan losses is established.  Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement are considered impaired.  Once a loan is identified as individually impaired, the Company measures impairment.  The fair value of impaired loans is estimated using one of several methods, including collateral value, market value of similar debt, enterprise value, liquidation value and discounted cash flows.  Inputs include external appraised values, management assumptions regarding market trends or other relevant factors, selling and commission costs ranging from 6% to 7%, and amount and timing of cash flows based upon current discount rates.  Those impaired loans not requiring an allowance represent loans for which the fair value of the expected repayments or collateral exceed the recorded investments in such loans.
	At September 30, 2014, certain impaired loans were considered collateral dependent and were evaluated based on the fair value of the underlying collateral securing the loan.  Impaired loans where an allowance is established based on the fair value of collateral require classification in the fair value hierarchy.  When a loan is evaluated based on the fair value of the underlying collateral securing the loan, the Company records the impaired loan as non-recurring Level 3.
	Other Real Estate Owned
	Other real estate assets (“OREO”) acquired through, or in lieu of, foreclosure are held-for-sale and are initially recorded at the lower of cost or fair value, less selling costs.  Any write-downs to fair value at the time of transfer to OREO are charged to the allowance for loan losses.  Appraisals or evaluations are then done periodically thereafter charging any additional write-downs or valuation allowances to the appropriate expense accounts.  Values are derived from appraisals of underlying collateral and discounted cash flow analysis.  OREO is classified within Level 3 of the hierarchy.
	Loan Servicing Rights
	Loan servicing rights are subject to impairment testing.  The Company utilizes a third party service provider to calculate the fair value of the Company’s loan servicing rights.  Loan servicing rights are measured at fair value as of the date of sale.  The Company uses quoted market prices when available.  Subsequent fair value measurements are determined using a discounted cash flow model.  In order to determine the fair value of the loan servicing rights, the present value of expected future cash flows is estimated.  Assumptions used include market discount rates, anticipated prepayment speeds, delinquency and foreclosure rates, and ancillary fee income.
	The model used to calculate the fair value of the Company’s loan servicing rights is periodically validated by an independent external model validation group.  The model assumptions and the loan servicing rights fair value estimates are also compared to observable trades of similar portfolios as well as to loan servicing rights broker valuations and industry surveys, as available.  If the valuation model reflects a value less than the carrying value, loan servicing rights are adjusted to fair value through a valuation allowance as determined by the model.  As such, the Company classifies loan servicing rights subjected to non-recurring fair value adjustments as Level 3.
	Assets Recorded at Fair Value on a Recurring Basis
	The table below presents the recorded amount of assets and liabilities measured at fair value on a recurring basis as of September 30, 2014:
			(in thousands)
	30-Sep-14		Total		Level 1		Level 2		Level 3
	Securities of U.S. government agencies and corporations		$	34,776	$	—	$	34,776	$	—
	Obligations of states and political subdivisions			21,435		—		21,435		—
	Collateralized mortgage obligations			10,115		—		10,115		—
	Mortgage-backed securities			77,463		—		77,463		—
	Total investments at fair value		$	143,789	$	—	$	143,789	$	—
	The table below presents the recorded amount of assets and liabilities measured at fair value on a recurring basis as of December 31, 2013:
			(in thousands)
	31-Dec-13		Total		Level 1		Level 2		Level 3
	Securities of U.S. government agencies and corporations		$	52,685	$	—	$	52,685	$	—
	Obligations of states and political subdivisions			27,387		—		27,387		—
	Collateralized mortgage obligations			5,405		—		5,405
	Mortgage-backed securities			87,792		—		87,792		—
	Total investments at fair value		$	173,269	$	—	$	173,269	$	—
	Assets Recorded at Fair Value on a Non-Recurring Basis
	Assets measured at fair value on a non-recurring basis are included in the table below by level within the fair value hierarchy as of September 30, 2014:
			(in thousands)
	30-Sep-14		Total		Level 1		Level 2		Level 3
	Impaired loans		$	150	$	—	$	—	$	150
	Total assets at fair value		$	150	$	—	$	—	$	150
	Assets measured at fair value on a non-recurring basis are included in the table below by level within the fair value hierarchy as of December 31, 2013:
			(in thousands)
	31-Dec-13		Total		Level 1		Level 2		Level 3
	Impaired loans		$	1,095	$	—	$	—	$	1,095
	Loan servicing rights			1,968		—		—		1,968
	Total assets at fair value		$	3,063	$	—	$	—	$	3,063
	There were no liabilities measured at fair value on a recurring or non-recurring basis at September 30, 2014 and December 31, 2013.
	Key methods and assumptions used in measuring the fair value of impaired loans and loan servicing rights as of September 30, 2014 and December 31, 2013 were as follows:
		Method	Assumption Inputs
	Impaired loans	Collateral, market, income,  enterprise, liquidation and discounted Cash Flows	External appraised values, management assumptions regarding market trends or other relevant factors; selling costs ranging 6% to 7%.
	Loan servicing rights	Discounted cash flows	Present value of expected future cash flows is estimated using a discount rate factor of 10.05% as of September 30, 2014 and December 31, 2013.  A constant prepayment rate of 11.36% and 9.09% as of September 30, 2014 and December 31, 2013, respectively, was utilized.

PREFERRED_STOCK

PREFERRED STOCK	9 Months Ended
	Sep. 30, 2014
PREFERRED STOCK [Abstract]	'
PREFERRED STOCK	'
	7	PREFERRED STOCK
	On September 15, 2011, the Company issued to the U.S. Treasury under the United States Department of Treasury Small Business Lending Fund (SBLF) 22,847 shares of the Company’s Non-Cumulative Perpetual Preferred Stock, Series A (SBLF Shares), having a liquidation preference per share equal to $1,000, for an aggregate purchase price of $22,847,000.
	On September 15, 2011, the Company redeemed from the U.S. Treasury, using the partial proceeds from the issuance of the SBLF Shares, all 17,390 outstanding shares of its Fixed Rate Cumulative Perpetual Preferred Stock, Series A, liquidation amount $1,000 per share, for a redemption price of $17,390,000, plus accrued but unpaid dividends at the date of redemption.
	On February 8, 2013, the Company redeemed $10,000,000 of the $22,847,000 in preferred stock it issued to the U.S. Treasury under the SBLF program.

FAIR_VALUES_OF_FINANCIAL_INSTR

FAIR VALUES OF FINANCIAL INSTRUMENTS	9 Months Ended
	Sep. 30, 2014
FAIR VALUES OF FINANCIAL INSTRUMENTS [Abstract]	'
FAIR VALUES OF FINANCIAL INSTRUMENTS	'
	8	FAIR VALUES OF FINANCIAL INSTRUMENTS
	The following methods and assumptions were used by the Company in estimating its fair value disclosures for financial instruments:
	Cash and Cash Equivalents
	The carrying amounts reported in the condensed consolidated balance sheets for cash and short-term instruments are a reasonable estimate of fair value.  The carrying amount is a reasonable estimate of fair value because of the relatively short term between the origination of the instrument and its expected realization.  Therefore, the Company believes the measurement of fair value of cash and cash equivalents is derived from Level 1 inputs.
	Other Equity Securities
	The carrying amounts reported in the condensed consolidated balance sheets approximate fair value as the shares can only be redeemed by the issuing institution.  The Company believes the measurement of the fair value of other equity securities is derived from Level 2 inputs.
	Loans Receivable
	For variable-rate loans that reprice frequently and with no significant change in credit risk, fair values are based on carrying values.  The fair values for other loans (e.g., commercial real estate and rental property mortgage loans, commercial and industrial loans, and agricultural loans) are estimated using discounted cash flow analyses, using interest rates currently being offered for loans with similar terms to borrowers of similar credit quality.  The allowance for loan losses is considered to be a reasonable estimate of loan discount due to credit risks.  Given that there are loans with specific terms that are not readily available, the Company believes the fair value of loans receivable is derived from Level 3 inputs.
	Loans Held-for-Sale
	For loans held for sale, the fair value is based on what secondary markets are currently offering for portfolios with similar characteristics.  See FN(6), Fair Value Measurement.
	Interest Receivable and Payable
	The carrying amount of interest receivable and payable approximates its fair value.  The Company believes the measurement of the fair value of interest receivable and payable is derived from Level 2 inputs.
	Mortgage Servicing Rights
	The Company uses quoted market prices when available.  Subsequent fair value measurements are determined using a discounted cash flow model.  In order to determine the fair value of the MSR, the present value of expected future cash flows is estimated.  Assumptions used include market discount rates, anticipated prepayment speeds, delinquency and foreclosure rates, and ancillary fee income.  This model is periodically validated by an independent external model validation group.  The model assumptions and the MSR fair value estimates are also compared to observable trades of similar portfolios as well as to MSR broker valuations and industry surveys, as available.
	Deposit Liabilities
	The Company measures fair value of deposits using Level 2 and Level 3 inputs.  The fair value of deposits were derived by discounting their expected future cash flows back to their present values based on the FHLB yield curve, and their expected decay rates for non maturing deposits.  The Company is able to obtain FHLB yield curve rates as of the measurement date, and believes these inputs fall under Level 2 of the fair value hierarchy.  Decay rates were developed through internal analysis, and are supported by recent years of the Bank’s transaction history.  The inputs used by the Company to derive the decay rate assumptions are unobservable inputs, and therefore fall under Level 3 of the fair value hierarchy.
	Limitations
	Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision.  Changes in assumptions could significantly affect the estimates.
	Fair value estimates are based on existing on-and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. Other significant assets and liabilities that are not considered financial assets or liabilities include deferred tax liabilities and premises and equipment.  In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in many of the estimates.
	The estimated fair values of the Company’s financial instruments for the periods ended September 30, 2014 and December 31, 2013 are approximately as follows:
					September 30, 2014				31-Dec-13
			Level		Carrying amount		Fair		Carrying amount		Fair
							value				value
	Financial assets:
	Cash and cash equivalents			1	$	246,628	$	246,628	$	177,254	$	177,254
	Other equity securities			2		3,934		3,934		3,717		3,717
	Loans receivable:
	Net loans			3		524,796		523,975		506,850		503,605
	Loans held-for-sale			2		1,258		1,287		1,263		1,290
	Interest receivable			2		2,701		2,701		2,636		2,636
	Mortgage servicing rights			3		1,878		2,126		1,968		2,326
	Financial liabilities:
	Deposits			3		855,778		841,530		803,787		789,841
	Interest payable			2		86		86		71		71

INVESTMENT_SECURITIES

INVESTMENT SECURITIES	9 Months Ended
	Sep. 30, 2014
INVESTMENT SECURITIES [Abstract]	'
INVESTMENT SECURITIES	'
	9	INVESTMENT SECURITIES
	The amortized cost, unrealized gains and losses and estimated fair values of investments in debt and other securities at September 30, 2014 are summarized as follows:
	(in thousands)		Amortized cost		Unrealized gains			Unrealized losses			Estimated fair value
	Investment securities available-for-sale:
	Securities of U.S. government agencies and corporations		$	35,299	$	7		$	(530	)	$	34,776
	Obligations of states and political subdivisions			20,993		520			(78	)		21,435
	Collateralized mortgage obligations			10,096		42			(23	)		10,115
	Mortgage-backed securities			76,716		944			(197	)		77,463
	Total debt securities		$	143,104	$	1,513		$	(828	)	$	143,789
	The amortized cost, unrealized gains and losses and estimated fair values of investments in debt and other securities at December 31, 2013 are summarized as follows:
	(in thousands)		Amortized cost		Unrealized gains			Unrealized losses			Estimated fair value
	Investment securities available-for-sale:
	Securities of U.S. government agencies and corporations		$	53,960	$	8		$	(1,283)­­­		$	52,685
	Obligations of states and political subdivisions			27,528		409			(550	)		27,387
	Collateralized mortgage obligations			5,359		46			—			5,405
	Mortgage-backed securities			87,486		718			(412	)		87,792
	Total debt securities		$	174,333	$	1,181		$	(2,245	)	$	173,269
	The Company had $12,140,000 in proceeds from sales of available-for-sale securities for the nine-month and three-month periods September 30, 2014.  The Company had no proceeds from sales of available-for-sale securities for the nine-month and three-month periods September 30, 2013.  Gross realized gains from sales or a calls of available-for-sale securities were $292,000 for the nine-month and three-month periods ended September 30, 2014.  Gross realized gains from sales or a calls of available-for-sale securities were $4,000 and $0 for the nine-month and three-month periods ended September 30, 2013.  Gross realized losses from sales or a calls of available-for-sale securities were $239,000 for the nine-month and three-month periods ended September 30, 2014.  There were no gross realized losses from sales or calls of available-for-sale securities for the nine-month and three-month periods ended September 30, 2013.  For the nine-month and three-month periods ended September 30, 2014, there was $50,000 and $0, respectively, gross realized loss from other equity securities.
	The amortized cost and estimated market value of debt and other securities at September 30, 2014, by contractual and expected maturity, are shown in the following table:
	(in thousands)		Amortized		Estimated fair value
			cost
	Due in one year or less		$	7,688	$	7,695
	Due after one year through five years			109,683		110,167
	Due after five years through ten years			23,796		23,893
	Due after ten years			1,937		2,034
			$	143,104	$	143,789
	Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.  Securities due after one year through five years included mortgage-backed securities and collateralized mortgage obligations with expected maturities totaling $82,300,000.  The maturities on these securities were based on the average lives of the securities.
	An analysis of gross unrealized losses of the available-for-sale investment securities portfolio as of September 30, 2014, follows:
			Less than 12 months					12 months or more						Total
	(in thousands)		Fair Value		Unrealized losses			Fair Value			Unrealized losses			Fair Value		Unrealized losses
	Securities of U.S. government agencies and corporations		$	4,629	$	(6	)	$	21,574		$	(524	)	$	26,203	$	(530	)
	Obligations of states and political subdivisions			1,588		(27	)		4,790			(51	)		6,378		(78	)
	Collateralized Mortgage obligations			4,048		(23	)		—			—			4,048		(23	)
	Mortgaged-backed securities			3,703		(12	)		11,130			(185	)		14,833		(197	)
	Total		$	13,968	$	(68	)	$	37,494		$	(760	)	$	51,462	$	(828	)
	No decline in value was considered “other-than-temporary” during 2014.  Twelve securities, all considered investment grade, which had a fair value of $13,968,000 and a total unrealized loss of $68,000 have been in an unrealized loss position for less than twelve months as of September 30, 2014.  Thirty two securities, all considered investment grade, which had a fair value of $37,494,000 and a total unrealized loss of $760,000 had been in an unrealized loss position for more than twelve months as of September 30, 2014.  The declines in fair value were attributable to changes in interest rates.  We have evaluated the credit ratings of our investment securities and their issuer and/or insurers, and based on this evaluation have determined that no investment security in our investment portfolio is other-than-temporarily impaired.  As the Company does not intend to sell these securities and it is not more likely than not that the Company will be required to sell these securities prior to their anticipated recovery, these investments are not considered other-than-temporarily impaired.
	An analysis of gross unrealized losses of the available-for-sale investment securities portfolio as of December 31, 2013, follows:
			Less than 12 months					12 months or more						Total
			Fair Value		Unrealized losses			Fair Value			Unrealized losses			Fair Value		Unrealized losses
	Securities of U.S. government agencies and corporations		$	46,654	$	(1,283	)	$	—		$	—		$	46,654	$	(1,283	)
	Obligations of states and political subdivisions			11,871		(550	)		—			—			11,871		(550	)
	Collateralized Mortgage obligations			—		—			—			—			—		—
	Mortgage-backed securities			19,155		(243	)		6,932			(169	)		26,087		(412	)
	Total		$	77,680	$	(2,076	)	$	6,932		$	(169	)	$	84,612	$	(2,245	)
	Investment securities carried at $28,989,000 and $28,773,000 at September 30, 2014 and December 31, 2013, respectively, were pledged to secure public deposits or for other purposes as required or permitted by law.

ACCUMULATED_OTHER_COMPREHENSIV

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)	9 Months Ended
	Sep. 30, 2014
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) [Abstract]	'
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)	'
	10	ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)
	The following table details activity in accumulated other comprehensive income (loss) for the three-month period ended September 30, 2014:
	($ in thousands)		Unrealized Gains on Securities			Officers’ retirement plan			Directors’ retirement plan		Accumulated Other Comprehensive Income/(loss)
	Balance as of June 30, 2014		$	638		$	(480	)	$	46	$	204
	Current period other comprehensive   loss			(228	)		—			—		(228	)
	Balance as of September 30, 2014		$	410		$	(480	)	$	46	$	(24	)
	The following table details activity in accumulated other comprehensive income (loss) for the nine-month period ended September 30, 2014:
	($ in thousands)		Unrealized Gains on Securities			Officers’ retirement plan			Directors’ retirement plan		Accumulated Other Comprehensive Income/(loss)
	Balance as of December 31, 2013		$	(639	)	$	(480	)	$	46	$	(1,073	)
	Current period other comprehensive   income			1,049			—			—		1,049
	Balance as of September 30, 2014		$	410		$	(480	)	$	46	$	(24	)
	The following table details activity in accumulated other comprehensive income (loss) for the three-month period ended September 30, 2013:
	($ in thousands)		Unrealized Gains on Securities			Officers’ retirement plan			Directors’ retirement plan		Accumulated Other Comprehensive Income/(loss)
	Balance as of June 30, 2013		$	(616	)	$	(668	)	$	8	$	(1,276	)
	Current period other comprehensive   loss			139			—			—		139
	Balance as of September 30,  2013		$	(477	)	$	(668	)	$	8	$	(1,137	)
	The following table details activity in accumulated other comprehensive income (loss) for the nine-month period ended September 30, 2013.:
	($ in thousands)		Unrealized Gains on Securities			Officers’ retirement plan			Directors’ retirement plan		Accumulated Other Comprehensive Income/(loss)
	Balance as of December 31, 2012		$	1,834		$	(668	)	$	8	$	1,174
	Current period other comprehensive   loss			(2,311	)		—			—		(2,311	)
	Balance as of September 30,  2013		$	(477	)	$	(668	)	$	8	$	(1,137	)

FINANCIAL_INSTRUMENTS_WITH_OFF

FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK	9 Months Ended
	Sep. 30, 2014
FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK [Abstract]	'
FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK	'
	11	FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK
	The Company is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers.  These financial instruments include commitments to extend credit in the form of loans or through standby letters of credit.  These instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amounts recognized in the balance sheet.  The contract amounts of those instruments reflect the extent of involvement the Company has in particular classes of financial instruments.
	The Bank’s exposure to credit loss in the event of non-performance by the other party to the financial instrument for commitments to extend credit and standby letters of credit is represented by the contractual notional amount of those instruments.  The Bank uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments.
	Financial instruments, whose contract amounts represent credit risk at the indicated periods, were as follows:
	(in thousands)		September 30,		31-Dec-13
			2014
	Undisbursed loan commitments		$	172,630	$	172,563
	Standby letters of credit			2,014		2,489
	Commitments to sell loans			1,584		3,209
			$	176,228	$	178,261
	Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract.  Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee.  Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements.  The Bank evaluates each customer’s creditworthiness on a case-by-case basis.  The amount of collateral obtained, if deemed necessary by the Bank upon extension of credit, is based on management’s credit evaluation.  Collateral held varies but may include accounts receivable, inventory, property, plant and equipment, and income-producing commercial properties.
	Standby letters of credit are conditional commitments issued by the Bank to guarantee the performance of a customer to a third party.  The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers.  The Bank issues both financial and performance standby letters of credit.  The financial standby letters of credit are primarily to guarantee payment to third parties.  At September 30, 2014, there were no financial standby letters of credit outstanding.  The performance standby letters of credit are typically issued to municipalities as specific performance bonds.  At September 30, 2014, there was $2,014,000 issued in performance standby letters of credit.  At September 30, 2014, the Bank has experienced no draws on these letters of credit, resulting in no related liability included on their balance sheet, however, should a triggering event occur, the Bank either has collateral in excess of the letter of credit or imbedded agreements of recourse from the customer.  The Bank has set aside a reserve for unfunded commitments in the amount of $793,000 at September 30, 2014, which is recorded in “interest payable and other liabilities” on the Condensed Consolidated Balance Sheets.
	Commitments to extend credit and standby letters of credit bear similar credit risk characteristics as outstanding loans.  As of September 30, 2014, the Company had no off-balance sheet derivatives requiring additional disclosure.
	Mortgage loans sold to investors may be sold with servicing rights retained, for which the Company makes only standard legal representations and warranties as to meeting certain underwriting and collateral documentation standards.  In the past two years, the number of loans the Company has had to repurchase due to deficiencies in underwriting or loan documentation is not significant.  Management believes that any liabilities that may result from such recourse provisions are not significant.

BASIS_OF_PRESENTATION_Policies

BASIS OF PRESENTATION (Policies)	9 Months Ended
	Sep. 30, 2014
BASIS OF PRESENTATION [Abstract]	'
Basis of Presentation	'
	The accompanying unaudited condensed consolidated financial statements of First Northern Community Bancorp (the “Company”) have been prepared in accordance with accounting principles generally accepted in the United States of America (GAAP) for interim financial information and with the instructions to Form 10-Q and Articles 9 and 10 of Regulation S-X.  Accordingly, they do not include all of the information and notes required by GAAP for complete financial statements.  In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included.  The results of operations for any interim period are not necessarily indicative of results expected for the full year.  These condensed consolidated financial statements should be read in conjunction with the consolidated financial statements and notes thereto contained in the Company’s Annual Report on Form 10-K for the year ended December 31, 2013 as filed with the Securities and Exchange Commission.  The preparation of financial statements in conformity with GAAP also requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenue and expense during the reporting period.  Actual results could differ from those estimates.  All material intercompany balances and transactions have been eliminated in consolidation.
Recently Issued Accounting Pronouncements	'
	Recently Issued Accounting Pronouncements:
	In February 2013, FASB issued ASU 2013-04, Obligations Resulting from Joint and Several Liability Arrangements for Which the Total Amount of the Obligation Is Fixed at the Reporting Date, which provides guidance for the recognition, measurement, and disclosure of obligations resulting from joint and several liability arrangements for which the total amount of the obligation is fixed at the reporting date.  Examples of obligations within the scope of this guidance include debt arrangements, other contractual obligations, and settled litigation and judicial rulings.  This guidance is effective for interim and annual periods beginning on January 1, 2014 and must be retroactively applied to prior periods presented.  Early adoption is permitted.  Adoption of the new guidance did not have a significant impact on the Company’s consolidated financial statements.
	In July 2013, FASB issued ASU 2013-11, Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists.  The amendments in this ASU provide that an unrecognized tax benefit, or a portion thereof, should be presented in the financial statements as a reduction to a deferred tax asset for a net operating loss carryforward, a similar tax loss, or a tax credit carryforward, except to the extent that a net operating loss carryforward, a similar tax loss, or a tax credit carryforward is not available at the reporting date to settle any additional income taxes that would result from disallowance of a tax position, or the tax law does not require the entity to use, and the entity does not intend to use, the deferred tax asset for such purpose, then the unrecognized tax benefit should be presented as a liability.  The amendments are effective for fiscal years, and interim periods within those years, beginning after December 15, 2013.  Early adoption and retrospective application is permitted.  Adoption of the new guidance did not have a significant impact on the Company’s consolidated financial statements.
	In January 2014, FASB issued ASU 2014-01, Investments – Equity Method and Joint Ventures.  The amendments in this ASU permit reporting entities to make an accounting policy election to account for their investments in qualified affordable housing projects using the proportional amortization method if certain conditions are met.  Disclosures for a change in accounting principle are required upon transition.  The amendments should be applied retrospectively to all periods presented.  A reporting entity that uses the effective yield method to account for its investments in qualified affordable housing projects before the date of adoption may continue to apply the effective yield method for those preexisting investments.  The amendments in this ASU are effective for public business entities for annual periods and interim periods within those annual periods, beginning after December 15, 2014.  Early adoption is permitted.  The Company does not expect the adoption of this update to have a significant impact on its consolidated financial statements.
	In January 2014, FASB issued ASU 2014-04, Receivables – Troubled Debt Restructurings by Creditors.  The amendments in this ASU clarify that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement.  Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction.  The amendments in this ASU are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014.  An entity can elect to adopt the amendments in this ASU using either a modified retrospective transition method or a prospective transition method.  Early adoption is permitted.  The Company does not expect the adoption of this update to have a significant impact on its consolidated financial statements.
	In January, 2014, FASB issued ASU 2014-05, Service Concession Arrangements.  The amendments specify that an operating entity should not account for a service concession arrangement that is within the scope of this ASU as a lease in accordance with Topic 840.  An operating entity should refer to other Topics as applicable to account for various aspects of a service concession arrangement.  The amendments also specify that the infrastructure used in a service concession arrangement should not be recognized as property, plant, and equipment of the operating entity.  The amendments in this ASU should be applied on a modified retrospective basis to service concession arrangements that exist at the beginning of an entity’s fiscal year of adoption.  The modified retrospective approach requires the cumulative effect of applying this ASU to arrangements existing at the beginning of the period of adoption to be recognized as an adjustment to the opening retained earnings balance for the annual period of adoption.  The amendments are effective for a public business entity for annual periods, and interim periods within those annual periods, beginning after December 15, 2014.  The Company does not expect the adoption of this update to have a significant impact on its consolidated financial statements.
	In August, 2014, FASB issued ASU 2014-14, Receivables- Troubled Debt Restructuring by Creditors: Classification of Certain Government-Guaranteed Mortgage Loans upon Foreclosure.  The amendment affects creditors that hold government-guaranteed mortgage loans, including those guaranteed by the FHA and the VA.  It requires that a mortgage loan be derecognized and a separate other receivable be recognized upon foreclosure if the following conditions are present:
	·	The loan has a government guarantee that is not separable from the loan before foreclosure.
	·	At the time of foreclosure, the creditor has the intent to convey the real estate property to the guarantor and make a claim on the guarantee, and the creditor has the ability to recover under that claim.
	·	At the time of foreclosure, any amount of the claim that is determined on the basis of the fair value of the real estate is fixed.
	Upon foreclosure, the separate other receivable should be measured based on the amount of the loan balance (principal and interest) expected to be recovered from the guarantor.  The amendments are effective for a public business entity for annual periods and interim periods within those annual periods, beginning after December 15, 2014.
	In August, 2014, FASB issued ASU 2014-15, Presentation of Financial Statements- Going Concern: Disclosure of Uncertainties about an Entity’s Ability to Continue as a Going Concern.  The amendment defines management’s responsibility to evaluate whether there is substantial doubt about an organization’s ability to continue as a going concern and to provide related footnote disclosures.  Under GAAP, financial statements are prepared under the presumption that the reporting organization will continue to operate as a going concern, except in limited circumstances. The going concern basis of accounting is critical to financial reporting because it establishes the fundamental basis for measuring and classifying assets and liabilities. Currently, GAAP lacks guidance about management’s responsibility to evaluate whether there is substantial doubt about the organization’s ability to continue as a going concern or to provide related footnote disclosures.  This ASU provides guidance to an organization’s management, with principles and definitions that are intended to reduce diversity in the timing and content of disclosures that are commonly provided by organizations today in the financial statement footnotes.  The amendments are effective for a public business entity for annual periods ending after December 15, 2016, and interim periods within those annual periods, beginning after December 15, 2016.  The Company does not expect the adoption of this update to have a significant impact on its consolidated financial statements.
Reclassifications	'
	Reclassifications
	Certain reclassifications have been made to prior period balances in order to conform to the current year presentation.

LOANS_Tables

LOANS (Tables)	9 Months Ended
	Sep. 30, 2014
LOANS [Abstract]	'
Composition of loan portfolio, by loan class	'
	The composition of the Company’s loan portfolio, by loan class, is as follows:
	($ in thousands)		September 30,				December 31,
			2014				2013
	Commercial		$	117,241			$	110,644
	Commercial Real Estate			253,960				235,296
	Agriculture			55,293				51,730
	Residential Mortgage			49,471				52,809
	Residential Construction			5,395				10,444
	Consumer			50,498				54,079
				531,858				515,002
	Allowance for loan losses			(8,402	)			(9,353	)
	Net deferred origination fees and costs			1,340				1,201
	Loans, net		$	524,796			$	506,850
Non-accrual loans by loan class	'
	The Company’s non-accrual loans by loan class, as of September 30, 2014 and December 31, 2013 were as follows:
	($ in thousands)		September 30,				December 31,
			2014				2013
	Commercial		$	2,198			$	2,609
	Commercial Real Estate			1,648				2,607
	Agriculture			—				1,590
	Residential Mortgage			2,039				2,166
	Residential Construction			76				93
	Consumer			675				505
			$	6,636			$	9,570
Age analysis of past due loans, segregated by loan class	'
	An age analysis of past due loans, segregated by loan class, as of September 30, 2014 and December 31, 2013 is as follows:
	($ in thousands)		30-59 Days Past Due				60-89 Days Past Due				90 Days or more Past Due				Total Past Due				Current				Total Loans
	30-Sep-14
	Commercial		$	—			$	142			$	192			$	334			$	116,907			$	117,241
	Commercial Real Estate			388				—				1,156				1,544				252,416				253,960
	Agriculture			—				—				—				—				55,293				55,293
	Residential Mortgage			1,069				655				119				1,843				47,628				49,471
	Residential Construction			39				—				73				112				5,283				5,395
	Consumer			76				—				571				647				49,851				50,498
	Total		$	1,572			$	797			$	2,111			$	4,480			$	527,378			$	531,858
	31-Dec-13
	Commercial		$	200			$	96			$	269			$	565			$	110,079			$	110,644
	Commercial Real Estate			49				341				531				921				234,375				235,296
	Agriculture			—				—				—				—				51,730				51,730
	Residential Mortgage			207				—				99				306				52,503				52,809
	Residential Construction			40				8				—				48				10,396				10,444
	Consumer			26				—				23				49				54,030				54,079
	Total		$	522			$	445			$	922			$	1,889			$	513,113			$	515,002
Impaired loans, segregated by loan class	'
	Impaired loans, segregated by loan class, as of September 30, 2014 and December 31, 2013 were as follows:
	($ in thousands)		Unpaid Contractual Principal Balance				Recorded Investment with no Allowance				Recorded Investment with Allowance				Total Recorded Investment				Related Allowance
	30-Sep-14
	Commercial		$	2,864			$	2,193			$	545			$	2,738			$	36
	Commercial Real Estate			2,758				1,648				1,092				2,740				56
	Agriculture			—				—				—				—				—
	Residential Mortgage			6,215				2,039				3,228				5,267				645
	Residential Construction			1,077				76				832				908				111
	Consumer			2,088				804				882				1,686				22
	Total		$	15,002			$	6,760			$	6,579			$	13,339			$	870
	31-Dec-13
	Commercial		$	5,794			$	5,010			$	656			$	5,666			$	83
	Commercial Real Estate			3,746				2,607				1,122				3,729				63
	Agriculture			1,878				1,591				—				1,591				—
	Residential Mortgage			6,524				2,166				3,409				5,575				701
	Residential Construction			1,115				94				849				943				254
	Consumer			1,621				563				690				1,253				24
	Total		$	20,678			$	12,031			$	6,726			$	18,757			$	1,125
Average recorded investment and interest income on impaired loans recognized using accrual basis method of accounting	'
	The average recorded investment in impaired loans and the amount of interest income recognized on impaired loans during the three-month periods ended September 30, 2014 and September 30, 2013 was as follows:
	($ in thousands)		Three Months Ended								Three Months Ended
			30-Sep-14								30-Sep-13
			Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized
	Commercial		$	2,993			$	9			$	3,335			$	10
	Commercial Real Estate			2,930				20				3,341				22
	Agriculture			—				—				—				—
	Residential Mortgage			5,293				32				5,796				42
	Residential Construction			914				9				961				10
	Consumer			1,500				11				896				14
	Total		$	13,630			$	81			$	14,329			$	98
	The average recorded investment in impaired loans and the amount of interest income recognized on impaired loans during the nine-month periods ended September 30, 2014 and September 30, 2013 was as follows:
	($ in thousands)		Nine Months Ended								Nine Months Ended
			30-Sep-14								30-Sep-13
			Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized
	Commercial		$	4,039			$	19			$	3,342			$	29
	Commercial Real Estate			3,320				58				3,180				65
	Agriculture			655				—				—				—
	Residential Mortgage			5,389				96				5,267				103
	Residential Construction			925				29				1,027				33
	Consumer			1,482				40				974				30
	Total		$	15,810			$	242			$	13,790			$	260
Loans modified as troubled debt restructurings	'
	There were no loans modified as troubled debt restructurings during the three-month period ended September 30, 2014.  Loans modified as troubled debt restructurings during the three-month period ended September 30, 2013 were as follows:
	($ in thousands)		Three Months Ended September 30, 2013
			Number of Contracts				Pre-modification outstanding recorded investment				Post-modification outstanding recorded investment
	Commercial			1			$	149			$	149
	Consumer			3				233				233
	Total			4			$	382			$	382
	Loans modified as troubled debt restructurings during the nine-month periods ended September 30, 2014 and September 30, 2013 were as follows:
	($ in thousands)		Nine Months Ended September 30, 2014
			Number of Contracts				Pre-modification outstanding recorded investment				Post-modification outstanding recorded investment
	Commercial			1			$	49			$	49
	Consumer			2				498				498
	Total			3			$	547			$	547
	($ in thousands)		Nine Months Ended September 30, 2013
			Number of Contracts				Pre-modification outstanding recorded investment				Post-modification outstanding recorded investment
	Commercial			2			$	393			$	393
	Residential Mortgage			1				568				377
	Consumer			3				233				233
	Total			6			$	1,194			$	1,003
Risk ratings by loan class	'
	The following table presents the risk ratings by loan class as of September 30, 2014 and December 31, 2013:
	($ in thousands)		Pass				Special Mention				Substandard				Doubtful				Loss				Total
	30-Sep-14
	Commercial		$	108,852			$	2,610			$	5,779			$	—			$	—			$	117,241
	Commercial Real Estate			235,515				9,491				8,954				—				—				253,960
	Agriculture			55,293				—				—				—				—				55,293
	Residential Mortgage			45,143				198				4,130				—				—				49,471
	Residential Construction			4,809				470				116				—				—				5,395
	Consumer			46,394				944				3,160				—				—				50,498
	Total		$	496,006			$	13,713			$	22,139			$	—			$	—			$	531,858
	31-Dec-13
	Commercial		$	98,755			$	2,762			$	9,127			$	—			$	—			$	110,644
	Commercial Real Estate			218,884				5,978				10,434				—				—				235,296
	Agriculture			50,139				—				1,591				—				—				51,730
	Residential Mortgage			48,519				539				3,751				—				—				52,809
	Residential Construction			7,823				1,167				1,454				—				—				10,444
	Consumer			48,903				2,585				2,591				—				—				54,079
	Total		$	473,023			$	13,031			$	28,948			$	—			$	—			$	515,002
Allowance for loan losses	'
	The following table details activity in the allowance for loan losses by loan class for the three-month and nine-month periods ended September 30, 2014:
	Three-month period ended September 30, 2014
	($ in thousands)		Commercial				Commercial Real Estate				Agriculture				Residential Mortgage				Residential Construction				Consumer				Unallocated				Total
	Balance as of June 30, 2014		$	3,471			$	1,691			$	439			$	1,126			$	196			$	1,013			$	238			$	8,174
	Provision for loan losses			314				(66	)			108				53				(77	)			(58	)			126				400
	Charge-offs			(203	)			—				—				—				—				(50	)			—				(253	)
	Recoveries			12				—				—				—				42				27				—				81
	Net charge-offs			(191	)			—				—				—				42				(23	)			—				(172	)
	Balance as of September 30, 2014		$	3,594			$	1,625			$	547			$	1,179			$	161			$	932			$	364			$	8,402
	Nine-month period ended September 30, 2014
	($ in thousands)		Commercial				Commercial Real Estate				Agriculture				Residential Mortgage				Residential Construction				Consumer				Unallocated				Total
	Balance as of December 31, 2013		$	3,199			$	2,290			$	557			$	1,216			$	441			$	1,023			$	627			$	9,353
	Provision for loan losses			2,637				(596	)			(10	)			(37	)			(325	)			194				(263	)			1,600
	Charge-offs			(2,288	)			(69	)			—				—				—				(378	)			—				(2,735	)
	Recoveries			46				—				—				—				45				93				—				184
	Net charge-offs			(2,242	)			(69	)			—				—				45				(285	)			—				(2,551	)
	Balance as of September 30, 2014		$	3,594			$	1,625			$	547			$	1,179			$	161			$	932			$	364			$	8,402
	The following table details the allowance for loan losses allocated to loans individually and collectively evaluated for impairment by loan class as of September 30, 2014:
	($ in thousands)	Commercial				Commercial Real Estate				Agriculture				Residential Mortgage				Residential Construction				Consumer				Unallocated				Total
	Period-end amount allocated to:
	Loans individually evaluated for impairment		$	36			$	56			$	—			$	645			$	111			$	22			$	—			$	870
	Loans collectively evaluated for impairment			3,558				1,569				547				534				50				910				364				7,532
	Ending Balance		$	3,594			$	1,625			$	547			$	1,179			$	161			$	932			$	364			$	8,402
	The following table details activity in the allowance for loan losses by loan class for the three-month and nine-month periods ended September 30, 2013:
	Three-month period ended September 30, 2013
	($ in thousands)		Commercial				Commercial Real Estate				Agriculture				Residential Mortgage				Residential Construction				Consumer				Unallocated				Total
	Balance as of June, 30, 2013		$	2,869			$	2,037			$	748			$	1,054			$	503			$	1,041			$	474			$	8,726
	Provision for loan losses			191				309				(137	)			(127	)			(70	)			126				(292	)			—
	Charge-offs			(1	)			—				—				—				—				(115	)			—				(116	)
	Recoveries			25				—				—				145				1				11				—				182
	Net charge-offs			24				—				—				145				1				(104	)			—				66
	Balance as of September 30, 2013		$	3,084			$	2,346			$	611			$	1,072			$	434			$	1,063			$	182			$	8,792
	Nine-month period ended September 30, 2013
	($ in thousands)		Commercial				Commercial Real Estate				Agriculture				Residential Mortgage				Residential Construction				Consumer				Unallocated				Total
	Balance as of December 31, 2012		$	2,899			$	1,723			$	915			$	1,148			$	724			$	1,110			$	35			$	8,554
	Provision for loan losses			149				575				(306	)			100				(207	)			342				147				800
	Charge-offs			(113	)			(3	)			(1	)			(333	)			(127	)			(491	)			—				(1,068	)
	Recoveries			149				51				3				157				44				102				—				506
	Net charge-offs			36				48				2				(176	)			(83	)			(389	)			—				(562	)
	Balance as of September 30, 2013		$	3,084			$	2,346			$	611			$	1,072			$	434			$	1,063			$	182			$	8,792
	The following table details the allowance for loan losses allocated to loans individually and collectively evaluated for impairment by loan class as of September 30, 2013:
	($ in thousands)	Commercial				Commercial Real Estate				Agriculture				Residential Mortgage				Residential Construction				Consumer				Unallocated				Total
	Period-end amount allocated to:
	Loans individually evaluated for impairment		$	107			$	20			$	—			$	622			$	252			$	74			$	—			$	1,075
	Loans collectively evaluated for impairment			2,977				2,326				611				450				182				989				182				7,717
	Ending Balance		$	3,084			$	2,346			$	611			$	1,072			$	434			$	1,063			$	182			$	8,792
	The following table details activity in the allowance for loan losses and the amount allocated to loans individually and collectively evaluated for impairment as of and for the period ended December 31, 2013:
	Year ended December 31, 2013
	($ in thousands)		Commercial				Commercial Real Estate				Agriculture				Residential Mortgage				Residential Construction				Consumer				Unallocated				Total
	Balance as of December 31, 2012		$	2,899			$	1,723			$	915			$	1,148			$	724			$	1,110			$	35			$	8,554
	Provision for (reversal of) loan losses			91				533				(360	)			244				(201	)			301				592				1,200
	Charge-offs			(168	)			(17	)			(1	)			(333	)			(127	)			(572	)			—				(1,218	)
	Recoveries			377				51				3				157				45				184				—				817
	Net charge-offs			209				34				2				(176	)			(82	)			(388	)			—				(401	)
	Ending Balance			3,199				2,290				557				1,216				441				1,023				627				9,353
	Period-end amount allocated to:
	Loans individually evaluated for impairment			83				63				—				701				254				24				—				1,125
	Loans collectively evaluated for impairment			3,116				2,227				557				515				187				999				627				8,228
	Balance as of December 31, 2013		$	3,199			$	2,290			$	557			$	1,216			$	441			$	1,023			$	627			$	9,353
	The Company’s investment in loans as of September 30, 2014, September 30, 2013, and December 31, 2013 related to each balance in the allowance for loan losses by loan class and disaggregated on the basis of the Company’s impairment methodology was as follows:
	($ in thousands)		Commercial				Commercial Real Estate				Agriculture				Residential Mortgage				Residential Construction				Consumer				Total
	30-Sep-14
	Loans individually evaluated for impairment		$	2,738			$	2,740			$	—			$	5,267			$	908			$	1,686			$	13,339
Loans collectively evaluated for impairment			114,503				251,220				55,293				44,204				4,487				48,812				518,519
Ending Balance		$	117,241			$	253,960			$	55,293			$	49,471			$	5,395			$	50,498			$	531,858
30-Sep-13
Loans individually evaluated for impairment		$	3,410			$	3,078			$	—			$	5,647			$	955			$	903			$	13,993
Loans collectively evaluated for impairment			103,341				227,206				49,657				47,197				8,599				54,967				490,967
Ending Balance		$	106,751			$	230,284			$	49,657			$	52,844			$	9,554			$	55,870			$	504,960
31-Dec-13
Loans individually evaluated for impairment		$	5,666			$	3,729			$	1,591			$	5,575			$	943			$	1,253			$	18,757
Loans collectively evaluated for impairment			104,978				231,567				50,139				47,234				9,501				52,826				496,245
Ending Balance		$	110,644			$	235,296			$	51,730			$	52,809			$	10,444			$	54,079			$	515,002

MORTGAGE_OPERATIONS_Tables

MORTGAGE OPERATIONS (Tables)	9 Months Ended
	Sep. 30, 2014
MORTGAGE OPERATIONS [Abstract]	'
Schedule of assumptions used to estimate fair value of mortgage servicing rights	'
	Key assumptions used in measuring the fair value of mortgage servicing rights as of September 30, 2014 and December 31, 2013 were as follows:
		30-Sep-14			31-Dec-13
	Constant prepayment rate		11.36	%		9.09	%
	Discount rate		10.05	%		10.05	%
	Weighted average life (years)		6.49			7.05
Schedule of mortgage servicing rights assets	'
	The following table summarizes the Company’s mortgage servicing rights assets as of September 30, 2014 and December 31, 2013.  Mortgage servicing rights are included in Interest Receivable and Other Assets on the condensed consolidated balance sheets:
		(in thousands)
		31-Dec-13			Additions			Reductions			30-Sep-14
	Mortgage servicing rights	$	1,968		$	170		$	(260	)	$	1,878
	Valuation allowance		—			—			—			—
	Mortgage servicing rights, net of valuation allowance	$	1,968		$	170		$	(260	)	$	1,878

OUTSTANDING_SHARES_AND_EARNING1

OUTSTANDING SHARES AND EARNINGS PER SHARE (Tables)	9 Months Ended
	Sep. 30, 2014
OUTSTANDING SHARES AND EARNINGS PER SHARE [Abstract]	'
Reconciliation of basic and diluted EPS	'
	The following table presents a reconciliation of basic and diluted EPS for the three-month and nine-month period ended September 30, 2014 and 2013.
		Three months ended						Nine Months ended
		September 30,						September 30,
		2014			2013			2014			2013
	Basic earnings per share:
	Net income	$	1,570		$	1,373		$	4,273		$	4,178
	Preferred stock dividend	$	(33	)	$	(162	)	$	(97	)	$	(534	)
	Net income available to common stockholders	$	1,537		$	1,211		$	4,176		$	3,644
	Weighted average common shares outstanding		9,729,443			9,701,098			9,724,986			9,696,042
	Basic EPS	$	0.16		$	0.12		$	0.43		$	0.38
	Diluted earnings per share:
	Net income	$	1,570		$	1,373		$	4,273		$	4,178
	Preferred stock dividend	$	(33	)	$	(162	)	$	(97	)	$	(534	)
	Net income available to common stockholders	$	1,537		$	1,211		$	4,176		$	3,644
	Weighted average common shares outstanding		9,729,443			9,701,098			9,724,986			9,696,042
	Effect of dilutive shares		52,440			38,862			49,534			34,897
	Adjusted weighted average common shares outstanding		9,781,883			9,739,960			9,774,520			9,730,939
	Diluted EPS	$	0.16		$	0.12		$	0.43		$	0.37

STOCK_PLANS_Tables

STOCK PLANS (Tables)	9 Months Ended
	Sep. 30, 2014
STOCK PLANS [Abstract]	'
Stock option activity	'
	The following table presents the activity related to stock options for the three months ended September 30, 2014:
		Number of Shares			Weighted Average Exercise Price			Aggregate Intrinsic Value		Weighted Average Remaining Contractual Term (in years)
	Options outstanding at Beginning of  Period		301,457		$	12.01
	Granted		—			—
	Expired		—			—
	Cancelled / Forfeited		—			—
	Exercised		—			—
	Options outstanding at End of Period		301,457		$	12.01		$	231,049		3.21
	Exercisable (vested) at End of Period		253,265		$	13.13		$	160,204		2.2
	The following table presents the activity related to stock options for the nine months ended September 30, 2014:
		Number of Shares			Weighted Average Exercise Price			Aggregate Intrinsic Value		Weighted Average Remaining Contractual Term (in years)
	Options outstanding at Beginning of  Period		368,177		$	11.52
	Granted		18,967		$	7.28
	Expired		(85,687	)	$	8.89
	Cancelled / Forfeited		—			—
	Exercised		—			—
	Options outstanding at End of Period		301,457		$	12.01		$	231,049		3.21
	Exercisable (vested) at End of Period		253,265		$	13.13		$	160,204		2.2
Weighted average assumptions used in valuing stock options granted	'
	A summary of the weighted average assumptions used in valuing stock options during the three months and nine months ended September 30, 2014 is presented below:
		Three Months Ended			Nine Months Ended
		September 30, 2014*			30-Sep-14
	Risk Free Interest Rate		—			1.53	%
	Expected Dividend Yield		—			0	%
	Expected Life in Years		—			5
	Expected Price Volatility		—			45.93	%
	* There were no stock options granted during the three-month period ended September 30, 2014.
Activity related to restricted stock	'
	The following table presents the activity related to non-vested restricted stock for the three months ended September 30, 2014:
		Number of Shares			Weighted Average Grant-Date Fair Value			Aggregate Intrinsic Value		Weighted Average Remaining Contractual Term (in years)
	Non-vested Restricted stock outstanding at Beginning of  Period		71,013		$	5.87
	Granted		—			—
	Cancelled / Forfeited		—			—
	Exercised/Released/Vested		—			—
	Non-vested restricted stock outstanding at End of Period		71,013		$	5.87		$	536,148		8.22
	The following table presents the activity related to non-vested restricted stock for the nine months ended September 30, 2014:
		Number of Shares			Weighted Average Grant-Date Fair Value			Aggregate Intrinsic Value		Weighted Average Remaining Contractual Term (in years)
	Non-vested Restricted stock outstanding at Beginning of  Period		61,541		$	4.88
	Granted		24,890		$	7.28
	Cancelled / Forfeited		(4,230	)	$	4.74
	Exercised/Released/Vested		(11,188	)	$	4.01
	Non-vested restricted stock outstanding at End of Period		71,013		$	5.87		$	536,148		8.22
Summary of weighted average assumptions used in valuing ESPP	'
	A summary of the weighted average assumptions used in valuing ESPP issuances during the three months and nine month ended September 30, 2014 is presented below:
		Three Months Ended			Nine Months Ended
		30-Sep-14			30-Sep-14
	Risk Free Interest Rate		0.12	%		0.12	%
	Expected Dividend Yield		0	%		0	%
	Expected Life in Years		1			1
	Expected Price Volatility		20	%		20	%

FAIR_VALUE_MEASUREMENT_Tables

FAIR VALUE MEASUREMENT (Tables)	9 Months Ended
	Sep. 30, 2014
FAIR VALUE MEASUREMENT [Abstract]	'
Assets and liabilities measured at fair value on a recurring basis	'
	The table below presents the recorded amount of assets and liabilities measured at fair value on a recurring basis as of September 30, 2014:
			(in thousands)
	30-Sep-14		Total		Level 1		Level 2		Level 3
	Securities of U.S. government agencies and corporations		$	34,776	$	—	$	34,776	$	—
	Obligations of states and political subdivisions			21,435		—		21,435		—
	Collateralized mortgage obligations			10,115		—		10,115		—
	Mortgage-backed securities			77,463		—		77,463		—
	Total investments at fair value		$	143,789	$	—	$	143,789	$	—
	The table below presents the recorded amount of assets and liabilities measured at fair value on a recurring basis as of December 31, 2013:
			(in thousands)
	31-Dec-13		Total		Level 1		Level 2		Level 3
	Securities of U.S. government agencies and corporations		$	52,685	$	—	$	52,685	$	—
	Obligations of states and political subdivisions			27,387		—		27,387		—
	Collateralized mortgage obligations			5,405		—		5,405
	Mortgage-backed securities			87,792		—		87,792		—
	Total investments at fair value		$	173,269	$	—	$	173,269	$	—
Assets measured at fair value on a non-recurring basis	'
	Assets measured at fair value on a non-recurring basis are included in the table below by level within the fair value hierarchy as of September 30, 2014:
			(in thousands)
	30-Sep-14		Total		Level 1		Level 2		Level 3
	Impaired loans		$	150	$	—	$	—	$	150
	Total assets at fair value		$	150	$	—	$	—	$	150
	Assets measured at fair value on a non-recurring basis are included in the table below by level within the fair value hierarchy as of December 31, 2013:
			(in thousands)
	31-Dec-13		Total		Level 1		Level 2		Level 3
	Impaired loans		$	1,095	$	—	$	—	$	1,095
	Loan servicing rights			1,968		—		—		1,968
	Total assets at fair value		$	3,063	$	—	$	—	$	3,063
Methods and assumptions used in measuring fair value of assets and liabilities	'
	Key methods and assumptions used in measuring the fair value of impaired loans and loan servicing rights as of September 30, 2014 and December 31, 2013 were as follows:
		Method	Assumption Inputs
	Impaired loans	Collateral, market, income,  enterprise, liquidation and discounted Cash Flows	External appraised values, management assumptions regarding market trends or other relevant factors; selling costs ranging 6% to 7%.
	Loan servicing rights	Discounted cash flows	Present value of expected future cash flows is estimated using a discount rate factor of 10.05% as of September 30, 2014 and December 31, 2013.  A constant prepayment rate of 11.36% and 9.09% as of September 30, 2014 and December 31, 2013, respectively, was utilized.

FAIR_VALUES_OF_FINANCIAL_INSTR1

FAIR VALUES OF FINANCIAL INSTRUMENTS (Tables)	9 Months Ended
	Sep. 30, 2014
FAIR VALUES OF FINANCIAL INSTRUMENTS [Abstract]	'
Estimated fair value of financial instruments	'
	The estimated fair values of the Company’s financial instruments for the periods ended September 30, 2014 and December 31, 2013 are approximately as follows:
				September 30, 2014				31-Dec-13
		Level		Carrying amount		Fair		Carrying amount		Fair
						value				value
	Financial assets:
	Cash and cash equivalents		1	$	246,628	$	246,628	$	177,254	$	177,254
	Other equity securities		2		3,934		3,934		3,717		3,717
	Loans receivable:
	Net loans		3		524,796		523,975		506,850		503,605
	Loans held-for-sale		2		1,258		1,287		1,263		1,290
	Interest receivable		2		2,701		2,701		2,636		2,636
	Mortgage servicing rights		3		1,878		2,126		1,968		2,326
	Financial liabilities:
	Deposits		3		855,778		841,530		803,787		789,841
	Interest payable		2		86		86		71		71

INVESTMENT_SECURITIES_Tables

INVESTMENT SECURITIES (Tables)	9 Months Ended
	Sep. 30, 2014
INVESTMENT SECURITIES [Abstract]	'
Amortized cost, unrealized gains and losses and estimated fair values of investments in debt and other securities	'
	The amortized cost, unrealized gains and losses and estimated fair values of investments in debt and other securities at September 30, 2014 are summarized as follows:
	(in thousands)	Amortized cost		Unrealized gains			Unrealized losses			Estimated fair value
	Investment securities available-for-sale:
	Securities of U.S. government agencies and corporations	$	35,299	$	7		$	(530	)	$	34,776
	Obligations of states and political subdivisions		20,993		520			(78	)		21,435
	Collateralized mortgage obligations		10,096		42			(23	)		10,115
	Mortgage-backed securities		76,716		944			(197	)		77,463
	Total debt securities	$	143,104	$	1,513		$	(828	)	$	143,789
	The amortized cost, unrealized gains and losses and estimated fair values of investments in debt and other securities at December 31, 2013 are summarized as follows:
	(in thousands)	Amortized cost		Unrealized gains			Unrealized losses			Estimated fair value
	Investment securities available-for-sale:
	Securities of U.S. government agencies and corporations	$	53,960	$	8		$	(1,283)­­­		$	52,685
	Obligations of states and political subdivisions		27,528		409			(550	)		27,387
	Collateralized mortgage obligations		5,359		46			—			5,405
	Mortgage-backed securities		87,486		718			(412	)		87,792
	Total debt securities	$	174,333	$	1,181		$	(2,245	)	$	173,269
Amortized cost and estimated fair value of debt and other securities by contractual maturity	'
	The amortized cost and estimated market value of debt and other securities at September 30, 2014, by contractual and expected maturity, are shown in the following table:
	(in thousands)	Amortized		Estimated fair value
		cost
	Due in one year or less	$	7,688	$	7,695
	Due after one year through five years		109,683		110,167
	Due after five years through ten years		23,796		23,893
	Due after ten years		1,937		2,034
		$	143,104	$	143,789
Analysis of gross unrealized losses of the available-for-sale investment securities portfolio	'
	An analysis of gross unrealized losses of the available-for-sale investment securities portfolio as of September 30, 2014, follows:
		Less than 12 months					12 months or more						Total
	(in thousands)	Fair Value		Unrealized losses			Fair Value			Unrealized losses			Fair Value		Unrealized losses
	Securities of U.S. government agencies and corporations	$	4,629	$	(6	)	$	21,574		$	(524	)	$	26,203	$	(530	)
	Obligations of states and political subdivisions		1,588		(27	)		4,790			(51	)		6,378		(78	)
	Collateralized Mortgage obligations		4,048		(23	)		—			—			4,048		(23	)
	Mortgaged-backed securities		3,703		(12	)		11,130			(185	)		14,833		(197	)
	Total	$	13,968	$	(68	)	$	37,494		$	(760	)	$	51,462	$	(828	)
	An analysis of gross unrealized losses of the available-for-sale investment securities portfolio as of December 31, 2013, follows:
		Less than 12 months					12 months or more						Total
		Fair Value		Unrealized losses			Fair Value			Unrealized losses			Fair Value		Unrealized losses
	Securities of U.S. government agencies and corporations	$	46,654	$	(1,283	)	$	—		$	—		$	46,654	$	(1,283	)
	Obligations of states and political subdivisions		11,871		(550	)		—			—			11,871		(550	)
	Collateralized Mortgage obligations		—		—			—			—			—		—
	Mortgage-backed securities		19,155		(243	)		6,932			(169	)		26,087		(412	)
	Total	$	77,680	$	(2,076	)	$	6,932		$	(169	)	$	84,612	$	(2,245	)

ACCUMULATED_OTHER_COMPREHENSIV1

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Tables)	9 Months Ended
	Sep. 30, 2014
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) [Abstract]	'
Schedule of accumulated other comprehensive income (loss)	'
	The following table details activity in accumulated other comprehensive income (loss) for the three-month period ended September 30, 2014:
	($ in thousands)	Unrealized Gains on Securities			Officers’ retirement plan			Directors’ retirement plan		Accumulated Other Comprehensive Income/(loss)
	Balance as of June 30, 2014	$	638		$	(480	)	$	46	$	204
	Current period other comprehensive   loss		(228	)		—			—		(228	)
	Balance as of September 30, 2014	$	410		$	(480	)	$	46	$	(24	)
	The following table details activity in accumulated other comprehensive income (loss) for the nine-month period ended September 30, 2014:
	($ in thousands)	Unrealized Gains on Securities			Officers’ retirement plan			Directors’ retirement plan		Accumulated Other Comprehensive Income/(loss)
	Balance as of December 31, 2013	$	(639	)	$	(480	)	$	46	$	(1,073	)
	Current period other comprehensive   income		1,049			—			—		1,049
	Balance as of September 30, 2014	$	410		$	(480	)	$	46	$	(24	)
	The following table details activity in accumulated other comprehensive income (loss) for the three-month period ended September 30, 2013:
	($ in thousands)	Unrealized Gains on Securities			Officers’ retirement plan			Directors’ retirement plan		Accumulated Other Comprehensive Income/(loss)
	Balance as of June 30, 2013	$	(616	)	$	(668	)	$	8	$	(1,276	)
	Current period other comprehensive   loss		139			—			—		139
	Balance as of September 30,  2013	$	(477	)	$	(668	)	$	8	$	(1,137	)
	The following table details activity in accumulated other comprehensive income (loss) for the nine-month period ended September 30, 2013.:
	($ in thousands)	Unrealized Gains on Securities			Officers’ retirement plan			Directors’ retirement plan		Accumulated Other Comprehensive Income/(loss)
	Balance as of December 31, 2012	$	1,834		$	(668	)	$	8	$	1,174
	Current period other comprehensive   loss		(2,311	)		—			—		(2,311	)
	Balance as of September 30,  2013	$	(477	)	$	(668	)	$	8	$	(1,137	)

FINANCIAL_INSTRUMENTS_WITH_OFF1

FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Tables)	9 Months Ended
	Sep. 30, 2014
FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK [Abstract]	'
Financial instruments whose contract amount represent credit risk	'
	Financial instruments, whose contract amounts represent credit risk at the indicated periods, were as follows:
	(in thousands)	September 30,		31-Dec-13
		2014
	Undisbursed loan commitments	$	172,630	$	172,563
	Standby letters of credit		2,014		2,489
	Commitments to sell loans		1,584		3,209
		$	176,228	$	178,261

LOANS_Details

LOANS (Details) (USD $)

Sep. 30, 2014

Dec. 31, 2013

Sep. 30, 2013

Sep. 30, 2014

Sep. 30, 2014

Sep. 30, 2014

Dec. 31, 2013

Sep. 30, 2013

Sep. 30, 2014

Dec. 31, 2013

Sep. 30, 2013

Sep. 30, 2014

Dec. 31, 2013

Sep. 30, 2013

Sep. 30, 2014

Dec. 31, 2013

Sep. 30, 2013

Sep. 30, 2014

Dec. 31, 2013

Sep. 30, 2013

Sep. 30, 2014

Dec. 31, 2013

Sep. 30, 2013

In Thousands, unless otherwise specified

Minimum [Member]

Maximum [Member]

Commercial [Member]

Commercial [Member]

Commercial [Member]

Commercial Real Estate [Member]

Commercial Real Estate [Member]

Commercial Real Estate [Member]

Agriculture [Member]

Agriculture [Member]

Agriculture [Member]

Residential Mortgage [Member]

Residential Mortgage [Member]

Residential Mortgage [Member]

Residential Construction [Member]

Residential Construction [Member]

Residential Construction [Member]

Consumer [Member]

Consumer [Member]

Consumer [Member]

Category

Accounts, Notes, Loans and Financing Receivable [Line Items]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Loans

$531,858

$515,002

$504,960

'

'

$117,241

$110,644

$106,751

$253,960

$235,296

$230,284

$55,293

$51,730

$49,657

$49,471

$52,809

$52,844

$5,395

$10,444

$9,554

$50,498

$54,079

$55,870

Allowance for loan losses

-8,402

-9,353

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Net deferred origination fees and costs

1,340

1,201

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Loans, net

$524,796

$506,850

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Categories of loans

'

'

'

'

'

'

'

'

2

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Loan portfolio by segment (in hundredths)

'

'

'

'

'

22.00%

'

'

48.00%

'

'

10.00%

'

'

9.00%

'

'

1.00%

'

'

10.00%

'

'

Delinquent loans revaluation period

'

'

'

'3 months

'12 months

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

LOANS_Nonaccrual_and_Past_Due_

LOANS, Non-accrual and Past Due Loans (Details) (USD $)	Sep. 30, 2014	Dec. 31, 2013	Sep. 30, 2013
Non-accrual and Past Due Loans [Abstract]	'	'	'
Non-accrual loans	$6,636,000	$9,570,000	'
Age analysis of past due loans [Abstract]	'	'	'
30-59 Days Past Due	1,572,000	522,000	'
60-89 Days Past Due	797,000	445,000	'
90 Days or more Past Due	2,111,000	922,000	'
Total Past Due	4,480,000	1,889,000	'
Current	527,378,000	513,113,000	'
Total	531,858,000	515,002,000	504,960,000
Commercial [Member]	'	'	'
Non-accrual and Past Due Loans [Abstract]	'	'	'
Non-accrual loans	2,198,000	2,609,000	'
Number of nonaccrual loans	7	9	'
Age analysis of past due loans [Abstract]	'	'	'
30-59 Days Past Due	0	200,000	'
60-89 Days Past Due	142,000	96,000	'
90 Days or more Past Due	192,000	269,000	'
Total Past Due	334,000	565,000	'
Current	116,907,000	110,079,000	'
Total	117,241,000	110,644,000	106,751,000
Commercial Real Estate [Member]	'	'	'
Non-accrual and Past Due Loans [Abstract]	'	'	'
Non-accrual loans	1,648,000	2,607,000	'
Number of nonaccrual loans	7	9	'
Age analysis of past due loans [Abstract]	'	'	'
30-59 Days Past Due	388,000	49,000	'
60-89 Days Past Due	0	341,000	'
90 Days or more Past Due	1,156,000	531,000	'
Total Past Due	1,544,000	921,000	'
Current	252,416,000	234,375,000	'
Total	253,960,000	235,296,000	230,284,000
Agriculture [Member]	'	'	'
Non-accrual and Past Due Loans [Abstract]	'	'	'
Non-accrual loans	0	1,590,000	'
Number of nonaccrual loans	'	3	'
Age analysis of past due loans [Abstract]	'	'	'
30-59 Days Past Due	0	0	'
60-89 Days Past Due	0	0	'
90 Days or more Past Due	0	0	'
Total Past Due	0	0	'
Current	55,293,000	51,730,000	'
Total	55,293,000	51,730,000	49,657,000
Residential Mortgage [Member]	'	'	'
Non-accrual and Past Due Loans [Abstract]	'	'	'
Non-accrual loans	2,039,000	2,166,000	'
Number of nonaccrual loans	7	7	'
Age analysis of past due loans [Abstract]	'	'	'
30-59 Days Past Due	1,069,000	207,000	'
60-89 Days Past Due	655,000	0	'
90 Days or more Past Due	119,000	99,000	'
Total Past Due	1,843,000	306,000	'
Current	47,628,000	52,503,000	'
Total	49,471,000	52,809,000	52,844,000
Residential Construction [Member]	'	'	'
Non-accrual and Past Due Loans [Abstract]	'	'	'
Non-accrual loans	76,000	93,000	'
Number of nonaccrual loans	2	2	'
Age analysis of past due loans [Abstract]	'	'	'
30-59 Days Past Due	39,000	40,000	'
60-89 Days Past Due	0	8,000	'
90 Days or more Past Due	73,000	0	'
Total Past Due	112,000	48,000	'
Current	5,283,000	10,396,000	'
Total	5,395,000	10,444,000	9,554,000
Consumer [Member]	'	'	'
Non-accrual and Past Due Loans [Abstract]	'	'	'
Non-accrual loans	675,000	505,000	'
Number of nonaccrual loans	7	5	'
Age analysis of past due loans [Abstract]	'	'	'
30-59 Days Past Due	76,000	26,000	'
60-89 Days Past Due	0	0	'
90 Days or more Past Due	571,000	23,000	'
Total Past Due	647,000	49,000	'
Current	49,851,000	54,030,000	'
Total	50,498,000	54,079,000	55,870,000
Number of past due loans	2	'	'
Loans 90 days past due and still accruing	$147,000	$0	'

LOANS_Impaired_Loans_Details

LOANS, Impaired Loans (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013	Dec. 31, 2013
Impaired loans [Abstract]	'	'	'	'	'
Unpaid Contractual Principal Balance	$15,002	'	$15,002	'	$20,678
Recorded Investment with no Allowance	6,760	'	6,760	'	12,031
Recorded Investment with Allowance	6,579	'	6,579	'	6,726
Total Recorded Investment	13,339	'	13,339	'	18,757
Related Allowance	870	'	870	'	1,125
Interest income on impaired loans recognized using an accrual method of accounting [Abstract]	'	'	'	'	'
Average Recorded Investment	13,630	14,329	15,810	13,790	'
Interest Income Recognized	81	98	242	260	'
Commercial [Member]	'	'	'	'	'
Impaired loans [Abstract]	'	'	'	'	'
Unpaid Contractual Principal Balance	2,864	'	2,864	'	5,794
Recorded Investment with no Allowance	2,193	'	2,193	'	5,010
Recorded Investment with Allowance	545	'	545	'	656
Total Recorded Investment	2,738	'	2,738	'	5,666
Related Allowance	36	'	36	'	83
Interest income on impaired loans recognized using an accrual method of accounting [Abstract]	'	'	'	'	'
Average Recorded Investment	2,993	3,335	4,039	3,342	'
Interest Income Recognized	9	10	19	29	'
Commercial Real Estate [Member]	'	'	'	'	'
Impaired loans [Abstract]	'	'	'	'	'
Unpaid Contractual Principal Balance	2,758	'	2,758	'	3,746
Recorded Investment with no Allowance	1,648	'	1,648	'	2,607
Recorded Investment with Allowance	1,092	'	1,092	'	1,122
Total Recorded Investment	2,740	'	2,740	'	3,729
Related Allowance	56	'	56	'	63
Interest income on impaired loans recognized using an accrual method of accounting [Abstract]	'	'	'	'	'
Average Recorded Investment	2,930	3,341	3,320	3,180	'
Interest Income Recognized	20	22	58	65	'
Agriculture [Member]	'	'	'	'	'
Impaired loans [Abstract]	'	'	'	'	'
Unpaid Contractual Principal Balance	0	'	0	'	1,878
Recorded Investment with no Allowance	0	'	0	'	1,591
Recorded Investment with Allowance	0	'	0	'	0
Total Recorded Investment	0	'	0	'	1,591
Related Allowance	0	'	0	'	0
Interest income on impaired loans recognized using an accrual method of accounting [Abstract]	'	'	'	'	'
Average Recorded Investment	0	0	655	0	'
Interest Income Recognized	0	0	0	0	'
Residential Mortgage [Member]	'	'	'	'	'
Impaired loans [Abstract]	'	'	'	'	'
Unpaid Contractual Principal Balance	6,215	'	6,215	'	6,524
Recorded Investment with no Allowance	2,039	'	2,039	'	2,166
Recorded Investment with Allowance	3,228	'	3,228	'	3,409
Total Recorded Investment	5,267	'	5,267	'	5,575
Related Allowance	645	'	645	'	701
Interest income on impaired loans recognized using an accrual method of accounting [Abstract]	'	'	'	'	'
Average Recorded Investment	5,293	5,796	5,389	5,267	'
Interest Income Recognized	32	42	96	103	'
Residential Construction [Member]	'	'	'	'	'
Impaired loans [Abstract]	'	'	'	'	'
Unpaid Contractual Principal Balance	1,077	'	1,077	'	1,115
Recorded Investment with no Allowance	76	'	76	'	94
Recorded Investment with Allowance	832	'	832	'	849
Total Recorded Investment	908	'	908	'	943
Related Allowance	111	'	111	'	254
Interest income on impaired loans recognized using an accrual method of accounting [Abstract]	'	'	'	'	'
Average Recorded Investment	914	961	925	1,027	'
Interest Income Recognized	9	10	29	33	'
Consumer [Member]	'	'	'	'	'
Impaired loans [Abstract]	'	'	'	'	'
Unpaid Contractual Principal Balance	2,088	'	2,088	'	1,621
Recorded Investment with no Allowance	804	'	804	'	563
Recorded Investment with Allowance	882	'	882	'	690
Total Recorded Investment	1,686	'	1,686	'	1,253
Related Allowance	22	'	22	'	24
Interest income on impaired loans recognized using an accrual method of accounting [Abstract]	'	'	'	'	'
Average Recorded Investment	1,500	896	1,482	974	'
Interest Income Recognized	$11	$14	$40	$30	'

LOANS_Troubled_debt_Restructur

LOANS, Troubled debt Restructurings (Details) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013	Dec. 31, 2013
	Loan	Loan	Loan	Loan
Financing Receivable, Modifications [Line Items]	'	'	'	'	'
Number of months continuous payment for reclassification of nonaccrual loans to accruing status	'	'	'9 months	'	'
TDR loans	$9,677,000	'	$9,677,000	'	$9,929,000
Specific reserves for TDR loans	870,000	'	870,000	'	1,096,000
TDR loans performing in compliance with modified terms	6,703,000	'	6,703,000	'	6,750,000
Troubled Debt Restructurings [Abstract]	'	'	'	'	'
Number of Contracts	0	4	3	6	'
Pre-modification outstanding recorded investment	'	382,000	547,000	1,194,000	'
Post-modification outstanding recorded investment	'	382,000	547,000	1,003,000	'
Number of loans restructured and subsequent default	'	'	0	0	'
Commercial [Member]	'	'	'	'	'
Troubled Debt Restructurings [Abstract]	'	'	'	'	'
Number of Contracts	'	1	1	2	'
Pre-modification outstanding recorded investment	'	149,000	49,000	393,000	'
Post-modification outstanding recorded investment	'	149,000	49,000	393,000	'
Residential Mortgage [Member]	'	'	'	'	'
Troubled Debt Restructurings [Abstract]	'	'	'	'	'
Number of Contracts	'	'	'	1	'
Pre-modification outstanding recorded investment	'	'	'	568,000	'
Post-modification outstanding recorded investment	'	'	'	377,000	'
Consumer [Member]	'	'	'	'	'
Troubled Debt Restructurings [Abstract]	'	'	'	'	'
Number of Contracts	'	3	2	3	'
Pre-modification outstanding recorded investment	'	233,000	498,000	233,000	'
Post-modification outstanding recorded investment	'	233,000	498,000	233,000	'
Number of loans restructured and subsequent default	1	'	1	'	'
Loan restructured and subsequent default	$49,000	'	$49,000	'	'

LOANS_Financing_Receivables_by

LOANS, Financing Receivables by Credit Quality Indicator (Details) (USD $)	Sep. 30, 2014	Dec. 31, 2013	Sep. 30, 2013
In Thousands, unless otherwise specified
Risk rating by loan class [Abstract]	'	'	'
Loans	$531,858	$515,002	$504,960
Pass [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	496,006	473,023	'
Special Mention [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	13,713	13,031	'
Substandard [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	22,139	28,948	'
Doubtful [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	0	0	'
Loss [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	0	0	'
Commercial [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	117,241	110,644	106,751
Commercial [Member] | Pass [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	108,852	98,755	'
Commercial [Member] | Special Mention [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	2,610	2,762	'
Commercial [Member] | Substandard [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	5,779	9,127	'
Commercial [Member] | Doubtful [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	0	0	'
Commercial [Member] | Loss [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	0	0	'
Commercial Real Estate [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	253,960	235,296	230,284
Commercial Real Estate [Member] | Pass [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	235,515	218,884	'
Commercial Real Estate [Member] | Special Mention [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	9,491	5,978	'
Commercial Real Estate [Member] | Substandard [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	8,954	10,434	'
Commercial Real Estate [Member] | Doubtful [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	0	0	'
Commercial Real Estate [Member] | Loss [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	0	0	'
Agriculture [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	55,293	51,730	49,657
Agriculture [Member] | Pass [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	55,293	50,139	'
Agriculture [Member] | Special Mention [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	0	0	'
Agriculture [Member] | Substandard [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	0	1,591	'
Agriculture [Member] | Doubtful [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	0	0	'
Agriculture [Member] | Loss [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	0	0	'
Residential Mortgage [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	49,471	52,809	52,844
Residential Mortgage [Member] | Pass [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	45,143	48,519	'
Residential Mortgage [Member] | Special Mention [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	198	539	'
Residential Mortgage [Member] | Substandard [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	4,130	3,751	'
Residential Mortgage [Member] | Doubtful [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	0	0	'
Residential Mortgage [Member] | Loss [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	0	0	'
Residential Construction [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	5,395	10,444	9,554
Residential Construction [Member] | Pass [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	4,809	7,823	'
Residential Construction [Member] | Special Mention [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	470	1,167	'
Residential Construction [Member] | Substandard [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	116	1,454	'
Residential Construction [Member] | Doubtful [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	0	0	'
Residential Construction [Member] | Loss [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	0	0	'
Consumer [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	50,498	54,079	55,870
Consumer [Member] | Pass [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	46,394	48,903	'
Consumer [Member] | Special Mention [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	944	2,585	'
Consumer [Member] | Substandard [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	3,160	2,591	'
Consumer [Member] | Doubtful [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	0	0	'
Consumer [Member] | Loss [Member]	'	'	'
Risk rating by loan class [Abstract]	'	'	'
Loans	$0	$0	'

LOANS_Allowance_for_Loan_Losse

LOANS, Allowance for Loan Losses (Details) (USD $)	3 Months Ended		9 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013	Dec. 31, 2013
Allowance for credit losses [Roll Forward]	'	'	'	'	'
Beginning balance	$8,174	$8,726	$9,353	$8,554	$8,554
Provision for (reversal of) loan losses	400	0	1,600	800	1,200
Charge-offs	-253	-116	-2,735	-1,068	-1,218
Recoveries	81	182	184	506	817
Net charge-offs	-172	66	-2,551	-562	-401
Ending balance	8,402	8,792	8,402	8,792	9,353
Allowance for loan loss allocations for impairments [Abstract]	'	'	'	'	'
Loans individually evaluated for impairment	870	1,075	870	1,075	1,125
Loans collectively evaluated for impairment	7,532	7,717	7,532	7,717	8,228
Ending balance	8,402	8,792	8,402	8,792	9,353
Loans individually and collectively evaluated for impairment [Abstract]	'	'	'	'	'
Loans individually evaluated for impairment	13,339	13,993	13,339	13,993	18,757
Loans collectively evaluated for impairment	518,519	490,967	518,519	490,967	496,245
Ending Balance	531,858	504,960	531,858	504,960	515,002
Commercial [Member]	'	'	'	'	'
Allowance for credit losses [Roll Forward]	'	'	'	'	'
Beginning balance	3,471	2,869	3,199	2,899	2,899
Provision for (reversal of) loan losses	314	191	2,637	149	91
Charge-offs	-203	-1	-2,288	-113	-168
Recoveries	12	25	46	149	377
Net charge-offs	-191	24	-2,242	36	209
Ending balance	3,594	3,084	3,594	3,084	3,199
Allowance for loan loss allocations for impairments [Abstract]	'	'	'	'	'
Loans individually evaluated for impairment	36	107	36	107	83
Loans collectively evaluated for impairment	3,558	2,977	3,558	2,977	3,116
Ending balance	3,594	3,084	3,594	3,084	3,199
Loans individually and collectively evaluated for impairment [Abstract]	'	'	'	'	'
Loans individually evaluated for impairment	2,738	3,410	2,738	3,410	5,666
Loans collectively evaluated for impairment	114,503	103,341	114,503	103,341	104,978
Ending Balance	117,241	106,751	117,241	106,751	110,644
Commercial Real Estate [Member]	'	'	'	'	'
Allowance for credit losses [Roll Forward]	'	'	'	'	'
Beginning balance	1,691	2,037	2,290	1,723	1,723
Provision for (reversal of) loan losses	-66	309	-596	575	533
Charge-offs	0	0	-69	-3	-17
Recoveries	0	0	0	51	51
Net charge-offs	0	0	-69	48	34
Ending balance	1,625	2,346	1,625	2,346	2,290
Allowance for loan loss allocations for impairments [Abstract]	'	'	'	'	'
Loans individually evaluated for impairment	56	20	56	20	63
Loans collectively evaluated for impairment	1,569	2,326	1,569	2,326	2,227
Ending balance	1,625	2,346	1,625	2,346	2,290
Loans individually and collectively evaluated for impairment [Abstract]	'	'	'	'	'
Loans individually evaluated for impairment	2,740	3,078	2,740	3,078	3,729
Loans collectively evaluated for impairment	251,220	227,206	251,220	227,206	231,567
Ending Balance	253,960	230,284	253,960	230,284	235,296
Agriculture [Member]	'	'	'	'	'
Allowance for credit losses [Roll Forward]	'	'	'	'	'
Beginning balance	439	748	557	915	915
Provision for (reversal of) loan losses	108	-137	-10	-306	-360
Charge-offs	0	0	0	-1	-1
Recoveries	0	0	0	3	3
Net charge-offs	0	0	0	2	2
Ending balance	547	611	547	611	557
Allowance for loan loss allocations for impairments [Abstract]	'	'	'	'	'
Loans individually evaluated for impairment	0	0	0	0	0
Loans collectively evaluated for impairment	547	611	547	611	557
Ending balance	547	611	547	611	557
Loans individually and collectively evaluated for impairment [Abstract]	'	'	'	'	'
Loans individually evaluated for impairment	0	0	0	0	1,591
Loans collectively evaluated for impairment	55,293	49,657	55,293	49,657	50,139
Ending Balance	55,293	49,657	55,293	49,657	51,730
Residential Mortgage [Member]	'	'	'	'	'
Allowance for credit losses [Roll Forward]	'	'	'	'	'
Beginning balance	1,126	1,054	1,216	1,148	1,148
Provision for (reversal of) loan losses	53	-127	-37	100	244
Charge-offs	0	0	0	-333	-333
Recoveries	0	145	0	157	157
Net charge-offs	0	145	0	-176	-176
Ending balance	1,179	1,072	1,179	1,072	1,216
Allowance for loan loss allocations for impairments [Abstract]	'	'	'	'	'
Loans individually evaluated for impairment	645	622	645	622	701
Loans collectively evaluated for impairment	534	450	534	450	515
Ending balance	1,179	1,072	1,179	1,072	1,216
Loans individually and collectively evaluated for impairment [Abstract]	'	'	'	'	'
Loans individually evaluated for impairment	5,267	5,647	5,267	5,647	5,575
Loans collectively evaluated for impairment	44,204	47,197	44,204	47,197	47,234
Ending Balance	49,471	52,844	49,471	52,844	52,809
Residential Construction [Member]	'	'	'	'	'
Allowance for credit losses [Roll Forward]	'	'	'	'	'
Beginning balance	196	503	441	724	724
Provision for (reversal of) loan losses	-77	-70	-325	-207	-201
Charge-offs	0	0	0	-127	-127
Recoveries	42	1	45	44	45
Net charge-offs	42	1	45	-83	-82
Ending balance	161	434	161	434	441
Allowance for loan loss allocations for impairments [Abstract]	'	'	'	'	'
Loans individually evaluated for impairment	111	252	111	252	254
Loans collectively evaluated for impairment	50	182	50	182	187
Ending balance	161	434	161	434	441
Loans individually and collectively evaluated for impairment [Abstract]	'	'	'	'	'
Loans individually evaluated for impairment	908	955	908	955	943
Loans collectively evaluated for impairment	4,487	8,599	4,487	8,599	9,501
Ending Balance	5,395	9,554	5,395	9,554	10,444
Consumer [Member]	'	'	'	'	'
Allowance for credit losses [Roll Forward]	'	'	'	'	'
Beginning balance	1,013	1,041	1,023	1,110	1,110
Provision for (reversal of) loan losses	-58	126	194	342	301
Charge-offs	-50	-115	-378	-491	-572
Recoveries	27	11	93	102	184
Net charge-offs	-23	-104	-285	-389	-388
Ending balance	932	1,063	932	1,063	1,023
Allowance for loan loss allocations for impairments [Abstract]	'	'	'	'	'
Loans individually evaluated for impairment	22	74	22	74	24
Loans collectively evaluated for impairment	910	989	910	989	999
Ending balance	932	1,063	932	1,063	1,023
Loans individually and collectively evaluated for impairment [Abstract]	'	'	'	'	'
Loans individually evaluated for impairment	1,686	903	1,686	903	1,253
Loans collectively evaluated for impairment	48,812	54,967	48,812	54,967	52,826
Ending Balance	50,498	55,870	50,498	55,870	54,079
Unallocated [Member]	'	'	'	'	'
Allowance for credit losses [Roll Forward]	'	'	'	'	'
Beginning balance	238	474	627	35	35
Provision for (reversal of) loan losses	126	-292	-263	147	592
Charge-offs	0	0	0	0	0
Recoveries	0	0	0	0	0
Net charge-offs	0	0	0	0	0
Ending balance	364	182	364	182	627
Allowance for loan loss allocations for impairments [Abstract]	'	'	'	'	'
Loans individually evaluated for impairment	0	0	0	0	0
Loans collectively evaluated for impairment	364	182	364	182	627
Ending balance	$364	$182	$364	$182	$627

MORTGAGE_OPERATIONS_Details

MORTGAGE OPERATIONS (Details) (USD $)	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013	Dec. 31, 2013
Key assumptions used in measuring fair value of MSR [Abstract]	'	'	'	'	'
Constant prepayment rate (in hundredths)	'	'	11.36%	'	9.09%
Discount rate (in hundredths)	'	'	10.05%	'	10.05%
Weighted average life (years)	'	'	'6 years 5 months 26 days	'	'7 years 0 months 18 days
Mortgages held-for-sale	$1,258,000	'	$1,258,000	'	$1,263,000
Real estate mortgage loans serviced	239,351,000	'	239,351,000	'	243,299,000
Mortgage servicing rights assets [Roll Forward]	'	'	'	'	'
Beginning balance	'	'	1,968,000	'	'
Additions	'	'	170,000	'	'
Reductions	'	'	-260,000	'	'
Ending balance	1,878,000	'	1,878,000	'	1,968,000
Valuation allowance [Roll Forward]	'	'	'	'	'
Beginning balance	'	'	0	'	'
Additions	'	'	0	'	'
Reductions	'	'	0	'	'
Ending balance	0	'	0	'	0
Mortgage servicing rights, net of valuation allowance [Roll Forward]	'	'	'	'	'
Beginning balance	'	'	1,968,000	'	'
Additions	'	'	170,000	'	'
Reductions	'	'	-260,000	'	'
Ending balance	1,878,000	'	1,878,000	'	'
Fair market value of mortgage servicing rights asset	2,126,000	'	2,126,000	'	2,326,000
Contractually specified servicing fee	$152,000	$155,000	$456,000	$462,000	'

OUTSTANDING_SHARES_AND_EARNING2

OUTSTANDING SHARES AND EARNINGS PER SHARE (Details) (USD $)	0 Months Ended	3 Months Ended		9 Months Ended
In Thousands, except Share data, unless otherwise specified	Jan. 23, 2014	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
OUTSTANDING SHARES AND EARNINGS PER SHARE [Abstract]	'	'	'	'	'
Dividend declared as percentage of stock (in hundredths)	3.00%	'	'	3.00%	'
Basic earnings per share [Abstract]	'	'	'	'	'
Net income	'	$1,570	$1,373	$4,273	$4,178
Preferred stock dividend	'	-33	-162	-97	-534
Net income available to common shareholders	'	1,537	1,211	4,176	3,644
Weighted average common shares outstanding (in shares)	'	9,729,443	9,701,098	9,724,986	9,696,042
Basic EPS (in dollars per share)	'	$0.16	$0.12	$0.43	$0.38
Diluted earnings per share [Abstract]	'	'	'	'	'
Net income	'	1,570	1,373	4,273	4,178
Preferred stock dividend	'	-33	-162	-97	-534
Net income available to common shareholders	'	$1,537	$1,211	$4,176	$3,644
Weighted average common shares outstanding (in shares)	'	9,729,443	9,701,098	9,724,986	9,696,042
Effect of dilutive shares (in shares)	'	52,440	38,862	49,534	34,897
Adjusted weighted average common shares outstanding (in shares)	'	9,781,883	9,739,960	9,774,520	9,730,939
Diluted EPS (in dollars per share)	'	$0.16	$0.12	$0.43	$0.37
Stock options [Member]	'	'	'	'	'
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]	'	'	'	'	'
Antidilutive securities excluded from EPS computation (in shares)	'	220,467	310,847	236,137	322,949
Restricted Stock [Member]	'	'	'	'	'
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]	'	'	'	'	'
Antidilutive securities excluded from EPS computation (in shares)	'	0	0	8,205	2,852

STOCK_PLANS_Details

STOCK PLANS (Details) (USD $)	Jan. 23, 2014	Sep. 30, 2014	Sep. 30, 2014		Sep. 30, 2014	Sep. 30, 2014	Sep. 30, 2014	Sep. 30, 2014	Sep. 30, 2014
		Employee Stock Purchase Plan [Member]	Stock Options [Member]		Stock Options [Member]	Restricted Stock [Member]	Restricted Stock [Member]	Employee Stock Purchase Plan [Member]	Employee Stock Purchase Plan [Member]
STOCK PLANS [Abstract]	'	'	'		'	'	'	'	'
Dividend declared as percentage of stock (in hundredths)	3.00%	'	'		'	'	'	'	'
Number of Shares [Roll Forward]	'	'	'		'	'	'	'	'
Options outstanding at Beginning of Period (in shares)	'	'	301,457		368,177	'	'	'	'
Granted (in shares)	'	'	0		18,967	'	'	'	'
Expired (in shares)	'	'	0		-85,687	'	'	'	'
Cancelled / Forfeited (in shares)	'	'	0		0	'	'	'	'
Exercised (in shares)	'	'	0		0	'	'	'	'
Options outstanding at End of Period (in shares)	'	'	301,457		301,457	'	'	'	'
Exercisable (vested) at End of Period (in shares)	'	'	253,265		253,265	'	'	'	'
Weighted Average Exercise Price [Roll Forward]	'	'	'		'	'	'	'	'
Options outstanding at Beginning of Period (in dollars per share)	'	'	$12.01		$11.52	'	'	'	'
Granted (in dollars per share)	'	'	$0		$7.28	'	'	'	'
Expired (in dollars per share)	'	'	$0		$8.89	'	'	'	'
Cancelled / Forfeited (in dollars per share)	'	'	$0		$0	'	'	'	'
Exercised (in dollars per share)	'	'	$0		$0	'	'	'	'
Options outstanding at End of Period (in dollars per share)	'	'	$12.01		$12.01	'	'	'	'
Exercisable (vested) at End of Period (in dollars per share)	'	'	$13.13		$13.13	'	'	'	'
Additional disclosures [Abstract]	'	'	'		'	'	'	'	'
Options outstanding, Aggregate Intrinsic Value	'	'	$231,049		$231,049	'	'	'	'
Options Exercisable, Aggregate Intrinsic Value	'	'	160,204		160,204	'	'	'	'
Options outstanding, Weighted Average Remaining Contractual Term	'	'	'3 years 2 months 16 days		'3 years 2 months 16 days	'	'	'	'
Options Exercisable, Weighted Average Remaining Contractual Term	'	'	'2 years 2 months 12 days		'2 years 2 months 12 days	'	'	'	'
Weighted average fair value of options granted (in dollars per share)	'	'	'		$3.03	'	'	'	'
Unrecognized compensation related to non-vested stock options	'	'	103,000		103,000	'	'	'	'
Unrecognized compensation cost, period for recognition	'	'	'		'2 years 8 months 5 days	'	'2 years 9 months	'	'
Allocated share-based compensation expense	'	'	'		35,000	'	81,000	'	23,000
Weighted average assumptions used in valuation [Abstract]	'	'	'		'	'	'	'	'
Risk Free Interest Rate (in hundredths)	'	'	0.00%	[1]	1.53%	'	'	0.12%	0.12%
Expected Dividend Yield (in hundredths)	'	'	0.00%	[1]	0.00%	'	'	0.00%	0.00%
Expected Life in Years	'	'	'0 years	[1]	'5 years	'	'	'1 year	'1 year
Expected Price Volatility (in hundredths)	'	'	0.00%	[1]	45.93%	'	'	20.00%	20.00%
Non-vested restricted stock awards outstanding, Number of Shares [Roll Forward]	'	'	'		'	'	'	'	'
Non-vested restricted stock outstanding at Beginning of Period (in shares)	'	'	'		'	71,013	61,541	'	'
Granted (in shares)	'	'	'		'	0	24,890	'	'
Cancelled/Forfeited (in shares)	'	'	'		'	0	-4,230	'	'
Exercised/Released/Vested (in shares)	'	'	'		'	0	-11,188	'	'
Non-vested restricted stock outstanding at End of Period (in shares)	'	'	'		'	71,013	71,013	'	'
Non-vested restricted stock awards outstanding, Weighted Average Grant-Date Fair Value [Roll Forward]	'	'	'		'	'	'	'	'
Non-vested restricted stock outstanding at Beginning of Period (in dollars per share)	'	'	'		'	$5.87	$4.88	'	'
Granted (in dollars per share)	'	'	'		'	$0	$7.28	'	'
Cancelled/Forfeited (in dollars per share)	'	'	'		'	$0	$4.74	'	'
Exercised/Released/Vested (in dollars per share)	'	'	'		'	$0	$4.01	'	'
Non-vested restricted stock outstanding at End of Period (in dollars per share)	'	'	'		'	$5.87	$5.87	'	'
Non-vested restricted stock awards, Additional Disclosures [Abstract]	'	'	'		'	'	'	'	'
Aggregate Intrinsic Value, End of Period	'	'	'		'	536,148	536,148	'	'
Weighted Average Remaining Contractual Term	'	'	'		'	'8 years 2 months 19 days	'8 years 2 months 19 days	'	'
Unrecognized compensation related to restricted stock	'	'	'		'	244,000	244,000	'	'
Employee Stock Purchase Plan (ESPP) Disclosures [Line Items]	'	'	'		'	'	'	'	'
Shares authorized under plan (in shares)	'	309,986	'		'	'	'	'	'
Plan termination date	'	15-Mar-16	'		'	'	'	'	'
Plan implemented participation period	'	'27 months	'		'	'	'	'	'
Eligibility employment period required for plan participation	'	'90 days	'		'	'	'	'	'
Maximum employee compensation that can be withheld to purchase common stock (in hundredths)	'	10.00%	'		'	'	'	'	'
Purchase price of stock in percentage for participation (in hundredths)	'	85.00%	'		'	'	'	'	'
Unrecognized compensation cost	'	$4,000	'		'	'	'	'	'
Weighted average fair value at issuance date (in dollars per share)	'	$1.56	'		'	'	'	'	'
Weighted average period to recognize the unrecognized compensation	'	'0 years 3 months	'		'	'	'	'	'
[1]	There were no stock options granted during the three-month period ended September 30, 2014.

FAIR_VALUE_MEASUREMENT_Details

FAIR VALUE MEASUREMENT (Details) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2013
Assets Recorded at Fair Value on a Non-Recurring Basis [Abstract]	'	'
Loan servicing rights	2,126	2,326
Recurring [Member]	'	'
Assets Recorded at Fair Value on a Recurring Basis [Abstract]	'	'
Securities of U.S. government agencies and corporations	34,776	52,685
Obligations of states and political subdivisions	21,435	27,387
Collateralized mortgage obligations	10,115	5,405
Mortgage-backed securities	77,463	87,792
Total investments at fair value	143,789	173,269
Recurring [Member] | Level 1 [Member]	'	'
Assets Recorded at Fair Value on a Recurring Basis [Abstract]	'	'
Securities of U.S. government agencies and corporations	0	0
Obligations of states and political subdivisions	0	0
Collateralized mortgage obligations	0	0
Mortgage-backed securities	0	0
Total investments at fair value	0	0
Recurring [Member] | Level 2 [Member]	'	'
Assets Recorded at Fair Value on a Recurring Basis [Abstract]	'	'
Securities of U.S. government agencies and corporations	34,776	52,685
Obligations of states and political subdivisions	21,435	27,387
Collateralized mortgage obligations	10,115	5,405
Mortgage-backed securities	77,463	87,792
Total investments at fair value	143,789	173,269
Recurring [Member] | Level 3 [Member]	'	'
Assets Recorded at Fair Value on a Recurring Basis [Abstract]	'	'
Securities of U.S. government agencies and corporations	0	0
Obligations of states and political subdivisions	0	0
Collateralized mortgage obligations	0	'
Mortgage-backed securities	0	0
Total investments at fair value	0	0
Non-recurring [Member]	'	'
Assets Recorded at Fair Value on a Non-Recurring Basis [Abstract]	'	'
Impaired loans	150	1,095
Loan servicing rights	'	1,968
Total assets at fair value	150	3,063
Non-recurring [Member] | Level 1 [Member]	'	'
Assets Recorded at Fair Value on a Non-Recurring Basis [Abstract]	'	'
Impaired loans	0	0
Loan servicing rights	'	0
Total assets at fair value	0	0
Non-recurring [Member] | Level 2 [Member]	'	'
Assets Recorded at Fair Value on a Non-Recurring Basis [Abstract]	'	'
Impaired loans	0	0
Loan servicing rights	'	0
Total assets at fair value	0	0
Non-recurring [Member] | Level 3 [Member]	'	'
Assets Recorded at Fair Value on a Non-Recurring Basis [Abstract]	'	'
Impaired loans	150	1,095
Loan servicing rights	'	1,968
Total assets at fair value	150	3,063
Impaired Loans [Member] | Cost Approach Valuation Technique [Member]	'	'
Fair Value Inputs, Assets, Quantitative Information [Line Items]	'	'
Method	'Collateral, market, income, enterprise, liquidation and discounted Cash Flows	'Collateral, market, income, enterprise, liquidation and discounted Cash Flows
Assumption Inputs	'External appraised values, management assumptions regarding market trends or other relevant factors; selling costs ranging 6% to 7%.	'External appraised values, management assumptions regarding market trends or other relevant factors; selling costs ranging 6% to 7%.
Impaired Loans [Member] | Cost Approach Valuation Technique [Member] | Maximum [Member]	'	'
Fair Value Inputs, Assets, Quantitative Information [Line Items]	'	'
Fair value inputs, selling commission costs (in hundredths)	7.00%	7.00%
Impaired Loans [Member] | Cost Approach Valuation Technique [Member] | Minimum [Member]	'	'
Fair Value Inputs, Assets, Quantitative Information [Line Items]	'	'
Fair value inputs, selling commission costs (in hundredths)	6.00%	6.00%
Loan Servicing Rights [Member] | Market Approach Valuation Technique [Member]	'	'
Fair Value Inputs, Assets, Quantitative Information [Line Items]	'	'
Method	'Discounted cash flows	'Discounted cash flows
Assumption Inputs	'Present value of expected future cash flows is estimated using a discount rate factor of 10.05% as of September 30, 2014 and December 31, 2013. A constant prepayment rate of 11.36% and 9.09% as of September 30, 2014 and December 31, 2013, respectively, was utilized.	'Present value of expected future cash flows is estimated using a discount rate factor of 10.05% as of September 30, 2014 and December 31, 2013. A constant prepayment rate of 11.36% and 9.09% as of September 30, 2014 and December 31, 2013, respectively, was utilized.
Fair value inputs, discount rate (in hundredths)	10.05%	10.05%
Fair value inputs, prepayment rate (in hundredths)	11.36%	9.09%

PREFERRED_STOCK_Details

PREFERRED STOCK (Details) (USD $)	Sep. 30, 2014	Dec. 31, 2013	Feb. 08, 2013	Sep. 15, 2011	Sep. 15, 2011
			Non Cumulative Perpetual Preferred Stock, Series A [Member]	Non Cumulative Perpetual Preferred Stock, Series A [Member]	Fixed Rate Cumulative Perpetual Preferred Stock [Member]
Preferred Stock [Abstract]	'	'	'	'	'
Preferred stock, shares issued (in shares)	12,847	12,847	'	22,847	'
Preferred stock, liquidation preference per share (in dollars per share)	$1,000	$1,000	'	$1,000	'
Preferred stock, aggregate purchase price	$12,847,000	$12,847,000	'	$22,847,000	'
Redemption of preferred stock (in shares)	'	'	'	'	17,390
Preferred shares liquidation amount (in dollars per share)	'	'	'	'	$1,000
Redemption of preferred stock	'	'	$10,000,000	'	$17,390,000

FAIR_VALUES_OF_FINANCIAL_INSTR2

FAIR VALUES OF FINANCIAL INSTRUMENTS (Details) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Loans receivable [Abstract]	'	'
Mortgage servicing rights	$2,126	$2,326
Carrying amount [Member] | Level 1 [Member]	'	'
Financial assets [Abstract]	'	'
Cash and cash equivalents	246,628	177,254
Carrying amount [Member] | Level 2 [Member]	'	'
Financial assets [Abstract]	'	'
Other equity securities	3,934	3,717
Loans receivable [Abstract]	'	'
Loans held-for-sale	1,258	1,263
Interest receivable	2,701	2,636
Financial liabilities [Abstract]	'	'
Interest payable	86	71
Carrying amount [Member] | Level 3 [Member]	'	'
Loans receivable [Abstract]	'	'
Net loans	524,796	506,850
Mortgage servicing rights	1,878	1,968
Financial liabilities [Abstract]	'	'
Deposits	855,778	803,787
Fair value [Member] | Level 1 [Member]	'	'
Financial assets [Abstract]	'	'
Cash and cash equivalents	246,628	177,254
Fair value [Member] | Level 2 [Member]	'	'
Financial assets [Abstract]	'	'
Other equity securities	3,934	3,717
Loans receivable [Abstract]	'	'
Loans held-for-sale	1,287	1,290
Interest receivable	2,701	2,636
Financial liabilities [Abstract]	'	'
Interest payable	86	71
Fair value [Member] | Level 3 [Member]	'	'
Loans receivable [Abstract]	'	'
Net loans	523,975	503,605
Mortgage servicing rights	2,126	2,326
Financial liabilities [Abstract]	'	'
Deposits	$841,530	$789,841

INVESTMENT_SECURITIES_Details

INVESTMENT SECURITIES (Details) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013	Dec. 31, 2013
	Security		Security
Investment securities available-for-sale [Abstract]	'	'	'	'	'
Amortized cost	$143,104,000	'	$143,104,000	'	$174,333,000
Unrealized gains	1,513,000	'	1,513,000	'	1,181,000
Unrealized losses	-828,000	'	-828,000	'	-2,245,000
Estimated fair value	143,789,000	'	143,789,000	'	173,269,000
Proceeds from sale of available-for-sale securities	12,140,000	0	12,140,000	0	'
Gross realized gains from sales or calls of available-for-sale securities	292,000	0	292,000	4,000	'
Gross realized losses from sales or calls of available-for-sale securities	239,000	0	239,000	0	'
Gross realized losses from other equity securities	0	'	50,000	'	'
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, by Contractual Maturity [Abstract]	'	'	'	'	'
Due in one year or less, Amortized cost	7,688,000	'	7,688,000	'	'
Due after one year through five years, Amortized cost	109,683,000	'	109,683,000	'	'
Due after five years through ten years, Amortized cost	23,796,000	'	23,796,000	'	'
Due after ten years, Amortized cost	1,937,000	'	1,937,000	'	'
Amortized cost	143,104,000	'	143,104,000	'	174,333,000
Available-for-sale Securities, Debt Maturities, Fair Value, by Contractual Maturity [Abstract]	'	'	'	'	'
Due in one year or less, Estimated fair value	7,695,000	'	7,695,000	'	'
Due after one year through five years, Estimated fair value	110,167,000	'	110,167,000	'	'
Due after five years through ten years, Estimated fair value	23,893,000	'	23,893,000	'	'
Due after ten years, Estimated fair value	2,034,000	'	2,034,000	'	'
Estimated fair value	143,789,000	'	143,789,000	'	173,269,000
Mortgage backed securities and collateralized mortgage obligations with expected maturities due after one year through five years	82,300,000	'	82,300,000	'	'
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]	'	'	'	'	'
Less than 12 months, Fair Value	13,968,000	'	13,968,000	'	77,680,000
Less than 12 months, Unrealized losses	-68,000	'	-68,000	'	-2,076,000
12 months or more, Fair Value	37,494,000	'	37,494,000	'	6,932,000
12 Months or more, Unrealized losses	-760,000	'	-760,000	'	-169,000
Total Fair Value	51,462,000	'	51,462,000	'	84,612,000
Total Unrealized losses	-828,000	'	-828,000	'	-2,245,000
Investment securities in an unrealized loss position less than 12 months	12	'	12	'	'
Investment securities in unrealized loss position more than 12 months	32	'	32	'	'
Investment securities pledged as collateral	28,989,000	'	28,989,000	'	28,773,000
Securities of U.S. Government Agencies and Corporations [Member]	'	'	'	'	'
Investment securities available-for-sale [Abstract]	'	'	'	'	'
Amortized cost	35,299,000	'	35,299,000	'	53,960,000
Unrealized gains	7,000	'	7,000	'	8,000
Unrealized losses	-530,000	'	-530,000	'	-1,283,000
Estimated fair value	34,776,000	'	34,776,000	'	52,685,000
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, by Contractual Maturity [Abstract]	'	'	'	'	'
Amortized cost	35,299,000	'	35,299,000	'	53,960,000
Available-for-sale Securities, Debt Maturities, Fair Value, by Contractual Maturity [Abstract]	'	'	'	'	'
Estimated fair value	34,776,000	'	34,776,000	'	52,685,000
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]	'	'	'	'	'
Less than 12 months, Fair Value	4,629,000	'	4,629,000	'	46,654,000
Less than 12 months, Unrealized losses	-6,000	'	-6,000	'	-1,283,000
12 months or more, Fair Value	21,574,000	'	21,574,000	'	0
12 Months or more, Unrealized losses	-524,000	'	-524,000	'	0
Total Fair Value	26,203,000	'	26,203,000	'	46,654,000
Total Unrealized losses	-530,000	'	-530,000	'	-1,283,000
Obligations of States and Political Subdivisions [Member]	'	'	'	'	'
Investment securities available-for-sale [Abstract]	'	'	'	'	'
Amortized cost	20,993,000	'	20,993,000	'	27,528,000
Unrealized gains	520,000	'	520,000	'	409,000
Unrealized losses	-78,000	'	-78,000	'	-550,000
Estimated fair value	21,435,000	'	21,435,000	'	27,387,000
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, by Contractual Maturity [Abstract]	'	'	'	'	'
Amortized cost	20,993,000	'	20,993,000	'	27,528,000
Available-for-sale Securities, Debt Maturities, Fair Value, by Contractual Maturity [Abstract]	'	'	'	'	'
Estimated fair value	21,435,000	'	21,435,000	'	27,387,000
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]	'	'	'	'	'
Less than 12 months, Fair Value	1,588,000	'	1,588,000	'	11,871,000
Less than 12 months, Unrealized losses	-27,000	'	-27,000	'	-550,000
12 months or more, Fair Value	4,790,000	'	4,790,000	'	0
12 Months or more, Unrealized losses	-51,000	'	-51,000	'	0
Total Fair Value	6,378,000	'	6,378,000	'	11,871,000
Total Unrealized losses	-78,000	'	-78,000	'	-550,000
Collateralized Mortgage Obligations [Member]	'	'	'	'	'
Investment securities available-for-sale [Abstract]	'	'	'	'	'
Amortized cost	10,096,000	'	10,096,000	'	5,359,000
Unrealized gains	42,000	'	42,000	'	46,000
Unrealized losses	-23,000	'	-23,000	'	0
Estimated fair value	10,115,000	'	10,115,000	'	5,405,000
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, by Contractual Maturity [Abstract]	'	'	'	'	'
Amortized cost	10,096,000	'	10,096,000	'	5,359,000
Available-for-sale Securities, Debt Maturities, Fair Value, by Contractual Maturity [Abstract]	'	'	'	'	'
Estimated fair value	10,115,000	'	10,115,000	'	5,405,000
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]	'	'	'	'	'
Less than 12 months, Fair Value	4,048,000	'	4,048,000	'	'
Less than 12 months, Unrealized losses	-23,000	'	-23,000	'	'
12 months or more, Fair Value	0	'	0	'	'
12 Months or more, Unrealized losses	0	'	0	'	'
Total Fair Value	4,048,000	'	4,048,000	'	'
Total Unrealized losses	-23,000	'	-23,000	'	'
Mortgage-backed Securities [Member]	'	'	'	'	'
Investment securities available-for-sale [Abstract]	'	'	'	'	'
Amortized cost	76,716,000	'	76,716,000	'	87,486,000
Unrealized gains	944,000	'	944,000	'	718,000
Unrealized losses	-197,000	'	-197,000	'	-412,000
Estimated fair value	77,463,000	'	77,463,000	'	87,792,000
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, by Contractual Maturity [Abstract]	'	'	'	'	'
Amortized cost	76,716,000	'	76,716,000	'	87,486,000
Available-for-sale Securities, Debt Maturities, Fair Value, by Contractual Maturity [Abstract]	'	'	'	'	'
Estimated fair value	77,463,000	'	77,463,000	'	87,792,000
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]	'	'	'	'	'
Less than 12 months, Fair Value	3,703,000	'	3,703,000	'	19,155,000
Less than 12 months, Unrealized losses	-12,000	'	-12,000	'	-243,000
12 months or more, Fair Value	11,130,000	'	11,130,000	'	6,932,000
12 Months or more, Unrealized losses	-185,000	'	-185,000	'	-169,000
Total Fair Value	14,833,000	'	14,833,000	'	26,087,000
Total Unrealized losses	($197,000)	'	($197,000)	'	($412,000)

ACCUMULATED_OTHER_COMPREHENSIV2

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Details) (USD $)	Sep. 30, 2014	Dec. 31, 2013	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
In Thousands, unless otherwise specified			Unrealized Gains on Securities [Member]	Unrealized Gains on Securities [Member]	Unrealized Gains on Securities [Member]	Unrealized Gains on Securities [Member]	Officers retirement plan [Member]	Officers retirement plan [Member]	Officers retirement plan [Member]	Officers retirement plan [Member]	Directors retirement plan [Member]	Directors retirement plan [Member]	Directors retirement plan [Member]	Directors retirement plan [Member]	Accumulated Other Comprehensive Income/(Loss) [Member]	Accumulated Other Comprehensive Income/(Loss) [Member]	Accumulated Other Comprehensive Income/(Loss) [Member]	Accumulated Other Comprehensive Income/(Loss) [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'
Balance	($24)	($1,073)	$638	($616)	($639)	$1,834	($480)	($668)	($480)	($668)	$46	$8	$46	$8	$204	($1,276)	($1,073)	$1,174
Current period other comprehensive income (loss)	'	'	-228	139	1,049	-2,311	0	0	0	0	0	0	0	0	-228	139	1,049	-2,311
Balance	($24)	($1,073)	$410	($477)	$410	($477)	($480)	($668)	($480)	($668)	$46	$8	$46	$8	($24)	($1,137)	($24)	($1,137)

FINANCIAL_INSTRUMENTS_WITH_OFF2

FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Details) (USD $)	Sep. 30, 2014	Dec. 31, 2013
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Off-balance sheet credit risks	$176,228,000	$178,261,000
Undisbursed Loan Commitments [Member]	'	'
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Off-balance sheet credit risks	172,630,000	172,563,000
Standby Letters of Credit [Member]	'	'
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Off-balance sheet credit risks	2,014,000	2,489,000
Commitments to Sell Loans [Member]	'	'
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Off-balance sheet credit risks	1,584,000	3,209,000
Financial Standby Letter of Credit [Member]	'	'
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Off-balance sheet credit risks	0	'
Derivative [Member]	'	'
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Off-balance sheet credit risks	0	'
Reserve for Off-balance Sheet Activity [Member]	'	'
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Reserve for unfunded commitments	$793,000	'