MBT Financial (MBTF) 10-Q 11 May 15 2015 Q1 Quarterly report Financial data

Document_And_Entity_Informatio

Document And Entity Information	3 Months Ended
	Mar. 31, 2015	11-May-15
Document Information [Line Items]
Document Type	10-Q
Amendment Flag	FALSE
Document Period End Date	31-Mar-15
Document Fiscal Year Focus	2015
Document Fiscal Period Focus	Q1
Entity Registrant Name	MBT FINANCIAL CORP
Entity Central Index Key	1118237
Current Fiscal Year End Date	-19
Entity Filer Category	Accelerated Filer
Trading Symbol	MBTF
Entity Common Stock, Shares Outstanding		22,731,951

CONSOLIDATED_BALANCE_SHEETS

CONSOLIDATED BALANCE SHEETS (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Cash and due from banks
Non-interest bearing	$11,434	$15,957
Interest bearing	40,123	36,165
Total cash and cash equivalents	51,557	52,122
Securities - Held to Maturity	36,354	32,613
Securities - Available for Sale	493,550	473,176
Federal Home Loan Bank stock - at cost	7,537	7,537
Loans held for sale	662	548
Loans	618,723	610,332
Allowance for Loan Losses	-13,191	-13,208
Loans - Net	605,532	597,124
Accrued interest receivable and other assets	26,299	29,465
Other Real Estate Owned	4,888	5,615
Bank Owned Life Insurance	52,096	51,825
Premises and Equipment - Net	28,578	28,632
Total assets	1,307,053	1,278,657
Deposits:
Non-interest bearing	235,743	218,221
Interest-bearing	899,569	893,590
Total deposits	1,135,312	1,111,811
Repurchase agreements	15,000	15,000
Interest payable and other liabilities	16,533	17,310
Total liabilities	1,166,845	1,144,121
STOCKHOLDERS' EQUITY
Common stock (no par value; 50,000,000 shares authorized, 22,730,647 and 22,718,077 shares issued and outstanding)	23,120	23,037
Retained earnings	116,909	114,132
Accumulated other comprehensive income (loss)	179	-2,633
Total stockholders' equity	140,208	134,536
Total liabilities and stockholders' equity	$1,307,053	$1,278,657

CONSOLIDATED_BALANCE_SHEETS_Pa

CONSOLIDATED BALANCE SHEETS [Parenthetical] (USD $)	Mar. 31, 2015	Dec. 31, 2014
Common Stock, Par or Stated Value Per Share (in dollars per share)	$0	$0
Common stock, shares authorized	50,000,000	50,000,000
Common stock, shares issued	22,730,647	22,718,077
Common stock, shares outstanding	22,730,647	22,718,077

CONSOLIDATED_STATEMENTS_OF_INC

CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME (USD $)	3 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Interest Income
Interest and fees on loans	$7,432	$7,079
Interest on investment securities-
Tax-exempt	275	307
Taxable	2,428	2,118
Interest on balances due from banks	26	32
Total interest income	10,161	9,536
Interest Expense
Interest on deposits	645	855
Interest on borrowed funds	174	186
Total interest expense	819	1,041
Net Interest Income	9,342	8,495
Provision For (Recovery Of) Loan Losses	-800	100
Net Interest Income After Provision For Loan Losses	10,142	8,395
Other Income
Income from wealth management services	1,222	1,134
Service charges and other fees	894	932
Debit card income	564	489
Net gain on sales of securities available for sale	236	57
Net gain (loss) on sales of Other Real Estate Owned	-263	12
Origination fees on mortgage loans sold	129	62
Bank owned life insurance income	271	354
Rent income on Other Real Estate Owned	34	135
Other	538	489
Total other income	3,625	3,664
Other Expenses
Salaries and employee benefits	5,874	5,728
Occupancy expense	820	744
Equipment expense	734	617
Marketing expense	246	203
Professional fees	576	418
Other Real Estate Owned expenses	126	339
FDIC Deposit Insurance Assessment	414	640
Bonding and other insurance expense	230	264
Telephone expense	95	143
Other	704	603
Total other expenses	9,819	9,699
Income Before Income Taxes	3,948	2,360
Income Tax Expense	1,171	593
Net Income	2,777	1,767
Other Comprehensive Income (Loss) - Net of Tax
Unrealized gains (losses) on securities	2,941	3,559
Reclassification adjustment for losses included in net income	-156	-38
Postretirement benefit liability	27	-293
Total Other Comprehensive Income (Loss) - Net of Tax	2,812	3,228
Comprehensive Income (Loss)	$5,589	$4,995
Basic Earnings Per Common Share (in dollars per share)	$0.12	$0.08
Diluted Earnings Per Common Share (in dollars per share)	$0.12	$0.08
Common Stock Dividends Declared Per Share	$0	$0

CONSOLIDATED_STATEMENTS_OF_CHA

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (USD $)	Total	Common Stock [Member]	Retained Earnings [Member]	Unearned Compensation [Member]	Accumulated Other Comprehensive Income (Loss) [Member]
In Thousands, unless otherwise specified
Balance at Dec. 31, 2013	$110,608	$14,671	$106,817	($7)	($10,873)
Issuance of Common Stock
SOSARs exercised	0	0	0	0	0
Restricted stock awards	0	29	0	-29	0
Other stock issued	2,778	2,778	0	0	0
Stock Offering Expense	-325	-325	0	0	0
Equity Compensation	51	46	0	5	0
Net income	1,767	0	1,767	0	0
Other comprehensive loss - net of tax	3,228	0	0	0	3,228
Balance at Mar. 31, 2014	118,107	17,199	108,584	-31	-7,645
Balance at Dec. 31, 2014	134,536	23,037	114,132	0	-2,633
Issuance of Common Stock
SOSARs exercised	0	0	0	0	0
Other stock issued	26	26	0	0	0
Equity Compensation	57	57	0	0	0
Net income	2,777	0	2,777	0	0
Other comprehensive loss - net of tax	2,812	0	0	0	2,812
Balance at Mar. 31, 2015	$140,208	$23,120	$116,909	$0	$179

CONSOLIDATED_STATEMENTS_OF_CHA1

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY [Parenthetical]	3 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Issuance of Common Stock
Restricted stock awards (In shares)		6,000
Other stock issued (In Shares)	4,714	652,725
Stock Appreciation Rights (SARs) [Member]
Issuance of Common Stock
SOSARs exercised, (in shares)	7,856	2,162

CONSOLIDATED_STATEMENTS_OF_CAS

CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Cash Flows from Operating Activities
Net Income	$2,777	$1,767
Adjustments to reconcile net income to net cash from operating activities
Provision for (recovery of) loan losses	-800	100
Depreciation	398	415
Decrease in net deferred federal income tax asset	1,155	593
Net amortization of investment premium and discount	282	255
Writedowns of Other Real Estate Owned	312	59
Net increase (decrease) in interest payable and other liabilities	-737	294
Net (increase) decrease in interest receivable and other assets	443	-679
Equity based compensation expense	58	51
Net gain on sale/settlement of securities	-236	-57
Increase in cash surrender value of life insurance	-271	-353
Net cash provided by operating activities	3,381	2,445
Cash Flows from Investing Activities
Proceeds from maturities and redemptions of investment securities held to maturity	686	3,146
Proceeds from maturities and redemptions of investment securities available for sale	47,011	4,578
Proceeds from sales of investment securities available for sale	8,430	22,376
Net (increase) decrease in loans	-7,807	4,803
Proceeds from sales of other real estate owned	562	1,145
Proceeds from sales of other assets	65	1
Purchase of investment securities held to maturity	-4,439	-4,590
Purchase of investment securities available for sale	-71,629	-46,829
Purchase of bank premises and equipment	-352	-615
Net cash used for investing activities	-27,473	-15,985
Cash Flows from Financing Activities
Net increase (decrease) in deposits	23,501	-13,107
Proceeds from issuance of common stock	26	2,453
Net cash provided by (used for) financing activities	23,527	-10,654
Net Decrease in Cash and Cash Equivalents	-565	-24,194
Cash and Cash Equivalents at Beginning of Period	52,122	77,798
Cash and Cash Equivalents at End of Period	51,557	53,604
Supplemental Cash Flow Information
Cash paid for interest	823	1,039
Cash paid for federal income taxes	15	0
Supplemental Schedule of Non Cash Investing Activities
Transfer of loans to other real estate owned	40	1,280
Transfer of loans to other assets	$45	$0

BASIS_OF_PRESENTATION_AND_ACCO

BASIS OF PRESENTATION AND ACCOUNTING POLICIES	3 Months Ended
	Mar. 31, 2015
Accounting Policies [Abstract]
Basis of Presentation and Significant Accounting Policies [Text Block]	1. BASIS OF PRESENTATION AND ACCOUNTING POLICIES
	The unaudited consolidated financial statements include the accounts of MBT Financial Corp. (the “Company”) and its subsidiary, Monroe Bank & Trust (the “Bank”). The Bank includes the accounts of its wholly owned subsidiary, MB&T Financial Services, Inc. The Bank operates seventeen branches in Monroe County, Michigan, seven branches in Wayne County, Michigan, and a loan and wealth management office in Lenawee County. The Bank’s primary source of revenue is from providing loans to customers, who are predominantly small and middle-market businesses and middle-income individuals. The Company’s sole business segment is community banking.
	The accounting and reporting policies of the Bank conform to practice within the banking industry and are in accordance with accounting principles generally accepted in the United States. Preparation of financial statements in conformity with generally accepted accounting principles 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 revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant changes in the near term are the determination of the allowance for loan losses, the valuation of other real estate owned, and the fair value of investment securities.
	The accompanying unaudited consolidated financial statements of the Company have been prepared in accordance with the instructions to Form 10-Q. Accordingly, they do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. However, such information reflects all adjustments (consisting of normal recurring adjustments), which are, in the opinion of Management, necessary for fair statement of results for the interim periods.
	The significant accounting policies are as follows:
	PRINCIPLES OF CONSOLIDATION
	The consolidated financial statements include the accounts of the Company and its subsidiary. All material intercompany transactions and balances have been eliminated.
	COMPREHENSIVE INCOME
	Accounting principles generally require that revenue, expenses, gains, and losses be included in net income. Certain changes in assets and liabilities, however, such as unrealized gains and losses on securities available for sale and amounts recognized related to postretirement benefit plans (gains and losses, prior service costs, and transition assets or obligations), are reported as a direct adjustment to the equity section of the balance sheet. Such items, along with net income, are components of comprehensive income.
	BUSINESS SEGMENTS
	While the Company's chief decision makers monitor the revenue streams of various products and services, operations are managed and financial performance is evaluated on a company wide basis. Accordingly, all of the Company’s operations are considered by management to be aggregated in one reportable segment.
	FAIR VALUE
	The Company measures or monitors many of its assets and liabilities on a fair value basis. Fair value is used on a recurring basis for assets and liabilities that are elected to be accounted for under The Fair Value Option as well as for certain assets and liabilities in which fair value is the primary basis of accounting. Examples of these include derivative instruments and available for sale securities. Additionally, fair value is used on a non-recurring basis to evaluate assets or liabilities for impairment or for disclosure purposes. Examples of these non-recurring uses of fair value include certain loans held for sale accounted for on a lower of cost or market basis. Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Depending on the nature of the asset or liability, the Company uses various valuation techniques and assumptions when estimating fair value.
	When determining the fair value measurements for assets and liabilities required or permitted to be recorded at and/or marked to fair value, the Company considers the principal or most advantageous market in which it would transact and considers assumptions that market participants would use when pricing the asset or liability. When possible, the Company looks to active and observable markets to price identical assets or liabilities. When identical assets and liabilities are not traded in active markets, the Company looks to market observable data for similar assets or liabilities. Nevertheless, certain assets and liabilities are not actively traded in observable markets and the Company must use alternative valuation techniques to derive a fair value measurement.
	ACCOUNTING PRONOUNCEMENTS
	The Financial Accounting Standards Board (FASB) issued Accounting Standards Update 2014-09 (ASU 2014-09), “Revenue from Contracts with Customers (Topic 606)”. ASU 2014-09 adopts a standardized approach for revenue recognition and was a joint effort with the International Accounting Standards Board (IASB). The new revenue recognition standard is based on a core principle of recognizing revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. ASU 2014-09 does not apply to financial instruments. ASU 2014-09 is effective for public entities for reporting periods beginning after December 15, 2016 (therefore, for the year ending December 31, 2017 for the Corporation). Early implementation is not allowed for public companies. Management is currently assessing the impact to the Corporation’s consolidated financial statements.

EARNINGS_PER_SHARE

EARNINGS PER SHARE	3 Months Ended
	Mar. 31, 2015
Earnings Per Share [Abstract]
Earnings Per Share [Text Block]	2. EARNINGS PER SHARE
	The calculations of earnings per common share are as follows:
		For the three months ended March 31,
		2015		2014
	Basic
	Net income	$	2,777,000	$	1,767,000
	Average common shares outstanding		22,721,845		20,818,727
	Earnings per common share - basic	$	0.12	$	0.08
	Diluted
	Net income	$	2,777,000	$	1,767,000
	Average common shares outstanding		22,721,845		20,818,727
	Equity compensation		184,489		294,199
	Average common shares outstanding - diluted		22,906,334		21,112,926
	Earnings per common share - diluted	$	0.12	$	0.08

STOCK_BASED_COMPENSATION

STOCK BASED COMPENSATION	3 Months Ended
	Mar. 31, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Disclosure of Compensation Related Costs, Share-based Payments [Text Block]	3. STOCK BASED COMPENSATION
	Stock Options - The following table summarizes the options that had been granted to certain key executives in accordance with the Long-Term Incentive Compensation Plan that was approved by shareholders at the Annual Meeting of Shareholders on April 6, 2000.
				Weighted Average
		Shares		Exercise Price
	Options Outstanding, January 1, 2015		205,400	$	19.08
	Granted		-		-
	Exercised		-		-
	Forfeited		-		-
	Expired		89,500		23.4
	Options Outstanding, March 31, 2015		115,900	$	15.75
	Options Exercisable, March 31, 2015		115,900	$	15.75
	Stock Only Stock Appreciation Rights (SOSARs) - On January 21, 2015, 72,500 Stock Only Stock Appreciation Rights (SOSARs) were awarded to certain executives in accordance with the MBT 2008 Stock Incentive Plan that was approved by shareholders on May 1, 2008. The SOSARs have a term of ten years and vest in three equal annual installments beginning on December 31, 2015. The fair value of $2.85 for the SOSARs was estimated at the date of the grant, using the Black-Scholes option pricing model, with the following assumptions: expected option lives of 7 years, expected volatility of 57.07%, a risk free interest rate of 1.70% and dividend yield of 0.00%. The fair value of the Company’s common stock was $4.94 on the grant date.
	SOSARs granted under the plan are structured as fixed grants with the exercise price equal to the market value of the underlying stock on the date of the grant.
	The following table summarizes the SOSARs that have been granted:
				Weighted Average
		SOSARs		Base Price
	SOSARs Outstanding, January 1, 2015		557,439	$	3.58
	Granted		72,500		4.94
	Exercised		21,166		2.31
	Forfeited		7,502		3.82
	Expired		-		-
	SOSARs Outstanding, March 31, 2015		601,271	$	3.78
	SOSARs Exercisable, March 31, 2015		427,724	$	3.51
	The exercise of a SOSAR results in the issuance of a number of shares of common stock of the Company based on the appreciation of the market price of the stock over the exercise price of the SOSAR. The market value of the Company’s common stock on March 31, 2015 was $5.61. The value of the exercisable SOSARs that are in-the-money as of March 31, 2015 was $1,103,000, and exercise of those SOSARs on that date would have resulted in the issuance of 196,562 shares of common stock.
	Restricted Stock Unit Awards – On January 21, 2015, 25,000 performance restricted stock units were awarded to certain key executive officers in accordance with the MBT 2008 Stock Incentive Plan that was approved by shareholders on May 1, 2008. Each Restricted Stock Unit (RSU) is equivalent to one share of MBT Financial Corp. common stock. Stock will be issued to the participants following a two year performance period that ends on December 31, 2016. Earned RSUs vest on December 31, 2017 and as of March 31, 2015 none of the RSUs were vested.
	The total expense for equity based compensation was $83,000 in the first quarter of 2015 and $67,000 in the first quarter of 2014.

LOANS

LOANS	3 Months Ended
	Mar. 31, 2015
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]
Accounts, Notes, Loans and Financing Receivable Disclosure [Text Block]	4. LOANS
	The Bank makes commercial, consumer, and mortgage loans primarily to customers in Monroe County, Michigan, southern and western Wayne County, Michigan, Lenawee County, Michigan, and surrounding areas. Although the Bank has a diversified loan portfolio, a substantial portion of its debtors’ ability to honor their contracts is dependent on the automotive, manufacturing, and real estate development economic sectors.
	Loans consist of the following (000s omitted):
		March 31,			December 31,
		2015			2014
	Residential real estate loans	$	221,329		$	223,701
	Commercial and Construction real estate loans		263,511			262,395
	Agriculture and agricultural real estate loans		17,106			16,700
	Commercial and industrial loans		74,071			62,761
	Loans to individuals for household, family, and other personal expenditures		42,706			44,775
	Total loans, gross	$	618,723		$	610,332
	Less: Allowance for loan losses		13,191			13,208
		$	605,532		$	597,124
	Loans are placed in a nonaccrual status when, in the opinion of Management, the collection of additional interest is doubtful. All loan relationships over $250,000 that are classified by Management as nonperforming as well as selected performing accounts and all renegotiated loans are reviewed for impairment each quarter. Allowances for loans determined to be impaired are included in the allowance for loan losses. All cash received on nonaccrual loans is applied to the principal balance. Nonperforming assets consist of nonaccrual loans, loans 90 days or more past due, restructured loans, nonaccrual investment securities, and other real estate owned. Other real estate owned includes real estate that has been acquired in full or partial satisfaction of loan obligations or upon foreclosure and real estate that the bank has purchased but no longer intends to use for bank premises.
	The following table summarizes nonperforming assets (000’s omitted):
		March 31,				December 31,
		2015				2014
	Nonaccrual loans	$	12,329			$	13,040
	Loans 90 days past due and accruing		3				10
	Restructured loans		22,788				22,896
	Total nonperforming loans	$	35,120			$	35,946
	Other real estate owned		4,888				5,615
	Other assets		5				18
	Nonperforming investment securities		-				-
	Total nonperforming assets	$	40,013			$	41,579
	Nonperforming assets to total assets		3.06	%			3.25	%
	Allowance for loan losses to nonperforming loans		37.56	%			36.74	%

ALLOWANCE_FOR_LOAN_LOSSES

ALLOWANCE FOR LOAN LOSSES	3 Months Ended
	Mar. 31, 2015
Receivables [Abstract]
Allowance For Loan Losses [Text Block]	5. ALLOWANCE FOR LOAN LOSSES
	The Company separates its loan portfolio into segments to perform the calculation and analysis of the allowance for loan losses. The six segments analyzed are Agriculture and Agricultural Real Estate, Commercial, Commercial Real Estate, Construction Real Estate, Residential Real Estate, and Consumer and Other. The Agriculture and Agricultural Real Estate segment includes all loans to finance agricultural production and all loans secured by agricultural real estate. This segment does not include loans to finance agriculture that are secured by residential real estate, which are included in the Residential Real Estate segment. The Commercial segment includes loans to finance commercial and industrial businesses that are not secured by real estate. The Commercial Real Estate segment includes loans secured by non-farm, non-residential real estate. The Construction Real Estate segment includes loans to finance construction and land development. This includes residential and commercial construction and land development. The Residential Real Estate segment includes all loans, other than construction loans, that are secured by single family and multi family residential real estate properties. The Consumer and Other segment includes all loans not included in any other segment. These are primarily loans to consumers for household, family, and other personal expenditures, such as autos, boats, and recreational vehicles.
	Activity in the allowance for loan losses during the three months ended March 31, 2015 was as follows (000s omitted):
			Agriculture		Commercial		Commercial		Construction		Residential		Consumer		Total
			and				Real Estate		Real Estate		Real Estate		and Other
			Agricultural
			Real Estate
	Allowance for loan losses: For the three months ended March 31, 2015
	Beginning Balance		$	216	$	1,361	$	6,179	$	803	$	3,226	$	1,423	$	13,208
	Charge-offs			-		-106		-		-		-196		-20		-322
	Recoveries			7		74		161		609		223		31		1,105
	Provision			32		51		-662		-602		-180		561		-800
	Ending balance		$	255	$	1,380	$	5,678	$	810	$	3,073	$	1,995	$	13,191
	Allowance for loan losses as of March 31, 2015
	Ending balance individually evaluated for impairment		$	34	$	449	$	1,296	$	671	$	580	$	212	$	3,242
	Ending balance collectively evaluated for impairment			221		931		4,382		139		2,493		1,783		9,949
	Ending balance		$	255	$	1,380	$	5,678	$	810	$	3,073	$	1,995	$	13,191
	Loans as of March 31, 2015
	Ending balance individually evaluated for impairment		$	917	$	1,255	$	18,248	$	1,969	$	11,480	$	523	$	34,392
	Ending balance collectively evaluated for impairment			16,189		72,816		232,479		10,815		209,849		42,183		584,331
	Ending balance		$	17,106	$	74,071	$	250,727	$	12,784	$	221,329	$	42,706	$	618,723
	Activity in the allowance for loan losses during the three months ended March 31, 2014 was as follows (000s omitted):
			Agriculture		Commercial		Commercial		Construction		Residential		Consumer		Total
			and				Real Estate		Real Estate		Real Estate		and Other
			Agricultural
			Real Estate
	Allowance for loan losses: For the three months ended March 31, 2014
	Beginning Balance		$	171	$	1,989	$	7,030	$	1,397	$	4,606	$	1,016	$	16,209
	Charge-offs			-		-186		-108		-210		-132		-38		-674
	Recoveries			-		33		65		234		165		26		523
	Provision			34		-56		473		9		-161		-199		100
	Ending balance		$	205	$	1,780	$	7,460	$	1,430	$	4,478	$	805	$	16,158
	Allowance for loan losses as of March 31, 2014
	Ending balance individually evaluated for impairment		$	46	$	920	$	2,758	$	1,150	$	1,713	$	248	$	6,835
	Ending balance collectively evaluated for impairment			159		860		4,702		280		2,765		557		9,323
	Ending balance		$	205	$	1,780	$	7,460	$	1,430	$	4,478	$	805	$	16,158
	Loans as of March 31, 2014
	Ending balance individually evaluated for impairment		$	713	$	2,304	$	35,937	$	4,013	$	15,715	$	596	$	59,278
	Ending balance collectively evaluated for impairment			13,842		56,491		228,069		10,858		209,484		13,784		532,528
	Ending balance		$	14,555	$	58,795	$	264,006	$	14,871	$	225,199	$	14,380	$	591,806
	Each period the provision for loan losses in the income statement results from the combination of an estimate by Management of loan losses that occurred during the current period and the ongoing adjustment of prior estimates of losses occurring in prior periods.
	The provision for loan losses increases the allowance for loan losses, a valuation account which appears on the consolidated balance sheets. As the specific customer and amount of a loan loss is confirmed by gathering additional information, taking collateral in full or partial settlement of the loan, bankruptcy of the borrower, etc., the loan is charged off, reducing the allowance for loan losses. If, subsequent to a charge off, the Bank is able to collect additional amounts from the customer or sell collateral worth more than earlier estimated, a recovery is recorded.
	To serve as a basis for making this provision, the Bank maintains an extensive credit risk monitoring process that considers several factors including: current economic conditions affecting the Bank’s customers, the payment performance of individual loans and pools of homogeneous loans, portfolio seasoning, changes in collateral values, and detailed reviews of specific loan relationships.
	The Company utilizes an internal loan grading system to assign a risk grade to all commercial loans, all renegotiated loans, and each commercial credit relationship. Grades 1 through 4 are considered “pass” credits and grades 5 and 6 are considered “watch” credits and are subject to greater scrutiny. Loans with grades 7, 8, and 9 and considered “doubtful” or “loss” and have generally been charged off. A description of the general characteristics of each grade is as follows:
		•	Grade 1 – Excellent – Loans secured by marketable collateral, with adequate margin, or supported by strong financial statements, including substantial levels of tangible net worth. Probability of serious financial deterioration is unlikely. Possess a sound repayment source and a secondary source. This classification will also include individual loans backed by liquid personal assets, established history and unquestionable character. High liquidity, minimum risk, strong ratios, and low handling costs are common to these loans.
		•	Grade 2 – Above Average – Loans that exhibit less than average risk and clearly demonstrate debt service coverage that is consistently above average as well as a strong capital base. These loans may have some deficiency or vulnerability, but with offsetting features and are considered to be fully collectable.
		•	Grade 3 – Satisfactory – Loans that have an acceptable amount of risk but may exhibit vulnerability to deterioration if adverse circumstances are encountered. These loans should demonstrate adequate debt service coverage and adequate levels of capital support but warrant periodic monitoring to ensure that weaknesses do not materialize or advance.
		•	Grade 4 – Pass – Loans that are considered “pass credits” and typically demonstrate adequate debt service coverage. The level of risk is considered acceptable but these loans warrant ongoing monitoring to ensure that adverse trends or other credit deficiencies have not materialized or advanced. The level of risk is considered acceptable so long as the loan is given adequate and ongoing management supervision.
		•	Grade 5 – Watch – Loans that possess some credit deficiency or potential weakness that deserves close attention. The primary source of loan repayment is sufficient but may be considered inadequate by the Bank’s standards.
		•	Grade 6 – Substandard – Loans that exhibit one or more of the following characteristics: (1) a defined credit weakness, financial deterioration is underway, and uncertainty about the likelihood that the loan will be paid from the primary source of repayment; (2) inadequately protected by the current net worth and paying capacity of the obligor; (3) reliance on secondary source of repayment such as collateral liquidation or guarantees; (4) distinct possibility the Bank will sustain loss if deficiencies are not corrected; (5) unusual courses of action are needed to maintain a high probability of repayment; (6) insufficient cash flow to repay principal but continuing to pay interest; (7) the Bank is subordinated or unsecured due to flaws in documentation; (8) loans are restructured or are on nonaccrual status due to concessions to the borrower when compared to normal loan terms; (9) the Bank is contemplating foreclosure or legal action due to the apparent deterioration in the loan; or (10) there is deterioration in the market conditions and the borrower is highly vulnerable to these conditions.
		•	Grade 7 – Doubtful – Loans that exhibit one or more of the following characteristics: (1) loans with all the weaknesses of Substandard loans and collection or liquidation is not probable to result in payment in full; (2) the primary source of repayment is gone and there is considerable doubt as to the quality of the secondary source of repayment; or (3) the possibility of loss is high, but certain important pending factors may strengthen the loan and loss classification is deferred.
		•	Grades 8 & 9 - Loss – Loans are considered uncollectible and of such little value that continuing to carry them on the Bank’s financial statements is not feasible.
	The assessment of compensating factors may result in a rating plus or minus one grade from those listed above. These factors include, but are not limited to collateral, guarantors, environmental conditions, history, plan/projection reasonableness, quality of information, and payment delinquency.
	The portfolio segments in each credit risk grade as of March 31, 2015 are as follows (000s omitted):
	Credit Quality Indicators as of March 31, 2015
	Credit Risk by Internally Assigned Grade
			Agriculture		Commercial		Commercial		Construction		Residential		Consumer and		Total
			and				Real Estate		Real Estate		Real Estate		Other
			Agricultural
			Real Estate
	Not Rated		$	116	$	5,842	$	355	$	5,180	$	138,983	$	38,777	$	189,253
	1			-		2,793		-		-		-		365		3,158
	2			13		282		742		-		-		-		1,037
	3			403		12,667		9,072		-		218		-		22,360
4			13,441		45,114		179,271		4,439		60,390		3,154		305,809
5			2,101		4,297		32,558		2,585		8,802		95		50,438
6			1,032		3,076		28,729		580		12,936		315		46,668
7			-		-		-		-		-		-		-
8			-		-		-		-		-		-		-
9			-		-		-		-		-		-		-
Total		$	17,106	$	74,071	$	250,727	$	12,784	$	221,329	$	42,706	$	618,723
Performing		$	16,109	$	72,655	$	233,018	$	10,750	$	209,062	$	42,009	$	583,603
Nonperforming			997		1,416		17,709		2,034		12,267		697		35,120
Total		$	17,106	$	74,071	$	250,727	$	12,784	$	221,329	$	42,706	$	618,723
The portfolio segments in each credit risk grade as of December 31, 2014 are as follows (000s omitted):
Credit Quality Indicators as of December 31, 2014
Credit Risk by Internally Assigned Grade
		Agriculture		Commercial		Commercial		Construction		Residential		Consumer and		Total
		and				Real Estate		Real Estate		Real Estate		Other
		Agricultural
		Real Estate
Not Rated		$	122	$	2,700	$	-	$	5,402	$	138,355	$	40,371	$	186,950
1			-		3,060		-		-		-		369		3,429
2			330		287		830		-		132		-		1,579
3			491		7,084		9,923		-		464		-		17,962
4			13,458		41,441		176,685		4,357		58,902		3,260		298,103
5			1,261		4,903		34,385		2,471		10,112		199		53,331
6			1,038		3,286		27,646		696		15,736		576		48,978
7			-		-		-		-		-		-		-
8			-		-		-		-		-		-		-
9			-		-		-		-		-		-		-
Total		$	16,700	$	62,761	$	249,469	$	12,926	$	223,701	$	44,775	$	610,332
Performing		$	15,702	$	61,287	$	231,461	$	10,740	$	211,143	$	44,053	$	574,386
Nonperforming			998		1,474		18,008		2,186		12,558		722		35,946
Total		$	16,700	$	62,761	$	249,469	$	12,926	$	223,701	$	44,775	$	610,332
Loans are considered past due when contractually required payment of interest or principal has not been received. The amount classified as past due is the entire principal balance outstanding of the loan, not just the amount of payments that are past due. The following is a summary of past due loans as of March 31, 2015 and December 31, 2014 (000s omitted):
March 31, 2015		30-59 Days		60-89 Days		>90 Days		Total Past		Current		Total Loans		Recorded
		Past Due		Past Due		Past Due		Due						Investment >90
														Days Past Due
														and Accruing
Agriculture and Agricultural Real Estate		$	-	$	-	$	80	$	80	$	17,026	$	17,106	$	-
Commercial			52		133		72		257		73,814		74,071		3
Commercial Real Estate			2,117		143		1,727		3,987		246,740		250,727		-
Construction Real Estate			110		-		2		112		12,672		12,784		-
Residential Real Estate			2,553		292		740		3,585		217,744		221,329		-
Consumer and Other			163		11		32		206		42,500		42,706		-
Total		$	4,995	$	579	$	2,653	$	8,227	$	610,496	$	618,723	$	3
December 31, 2014		30-59 Days		60-89 Days		>90 Days		Total Past		Current		Total Loans		Recorded
		Past Due		Past Due		Past Due		Due						Investment >90
														Days Past Due
														and Accruing
Agriculture and Agricultural Real Estate		$	449	$	-	$	80	$	529	$	16,171	$	16,700	$	-
Commercial			142		44		60		246		62,515		62,761		10
Commercial Real Estate			2,127		1,118		2,287		5,532		243,937		249,469		-
Construction Real Estate			334		-		-		334		12,592		12,926		-
Residential Real Estate			2,946		741		777		4,464		219,237		223,701		-
Consumer and Other			124		15		61		200		44,575		44,775		-
Total		$	6,122	$	1,918	$	3,265	$	11,305	$	599,027	$	610,332	$	10
Loans are placed on non-accrual status when, in the opinion of Management, the collection of additional interest is doubtful. Loans are automatically placed on non-accrual status upon becoming ninety days past due, however, loans may be placed on non-accrual status regardless of whether or not they are past due. All cash received on non-accrual loans is applied to the principal balance. Loans are considered for return to accrual status on an individual basis when all principal and interest amounts contractually due are brought current and future payments are reasonably assured.
The following is a summary of non-accrual loans as of March 31, 2015 and December 31, 2014 (000s omitted):
		March 31, 2015		December 31, 2014
Agriculture and Agricultural Real Estate		$	80	$	80
Commercial			322		315
Commercial Real Estate			6,460		6,287
Construction Real Estate			186		409
Residential Real Estate			5,108		5,760
Consumer and Other			173		189
Total		$	12,329	$	13,040
For loans deemed to be impaired due to an expectation that all contractual payments will probably not be received, impairment is measured by comparing the Bank’s recorded investment in the loan to the present value of expected cash flows discounted at the loan’s effective interest rate, the fair value of the collateral, or the loan’s observable market price.
The following is a summary of impaired loans as of March 31, 2015 and 2014 (000s omitted):
March 31, 2015		Recorded		Unpaid		Related		Average		Interest Income
		Investment		Principal		Allowance		Recorded		Recognized in the
				Balance				Investment for the		Three Months
								Three Months		Ended
								Ended
With no related allowance recorded:
Agriculture and Agricultural Real Estate		$	255	$	255	$	-	$	255	$	3
Commercial			346		392		-		413		5
Commercial Real Estate			7,976		8,603		-		8,365		76
Construction Real Estate			152		337		-		339		3
Residential Real Estate			6,610		7,412		-		7,035		85
Consumer and Other			35		35		-		37		1
With an allowance recorded:
Agriculture and Agricultural Real Estate			662		662		34		662		9
Commercial			909		923		449		936		11
Commercial Real Estate			10,272		12,264		1,296		11,903		124
Construction Real Estate			1,817		1,846		671		1,833		21
Residential Real Estate			4,870		5,278		580		5,055		57
Consumer and Other			488		488		212		491		5
Total:
Agriculture and Agricultural Real Estate		$	917	$	917	$	34	$	917	$	12
Commercial			1,255		1,315		449		1,349		16
Commercial Real Estate			18,248		20,867		1,296		20,268		200
Construction Real Estate			1,969		2,183		671		2,172		24
Residential Real Estate			11,480		12,690		580		12,090		142
Consumer and Other			523		523		212		528		6
		Recorded		Unpaid		Related		Average		Interest Income
		Investment as		Principal		Allowance as		Recorded		Recognized in the
		of December		Balance as of		of December		Investment for the		Three Months
		31, 2014		December 31,		31, 2014		Three Months		Ended March 31,
				2014				Ended March 31,		2014
								2014
With no related allowance recorded:
Agriculture and Agricultural Real Estate		$	256	$	256	$	-	$	-	$	-
Commercial			363		412		-		1,025		13
Commercial Real Estate			8,084		8,882		-		18,098		194
Construction Real Estate			297		954		-		1,257		2
Residential Real Estate			6,424		7,200		-		8,339		87
Consumer and Other			3		3		-		33		1
With an allowance recorded:
Agriculture and Agricultural Real Estate			661		661		34		712		9
Commercial			1,051		1,062		554		1,425		18
Commercial Real Estate			10,929		12,758		1,502		20,446		212
Construction Real Estate			1,820		1,851		671		3,177		33
Residential Real Estate			5,251		5,658		672		8,038		79
Consumer and Other			531		529		222		565		6
Total:
Agriculture and Agricultural Real Estate		$	917	$	917	$	34	$	712	$	9
Commercial			1,414		1,474		554		2,450		31
Commercial Real Estate			19,013		21,640		1,502		38,544		406
Construction Real Estate			2,117		2,805		671		4,434		35
Residential Real Estate			11,675		12,858		672		16,377		166
Consumer and Other			534		532		222		598		7
The Bank may agree to modify the terms of a loan in order to improve the Bank’s ability to collect amounts due. These modifications may include reduction of the interest rate, extension of the loan term, or in some cases, reduction of the principal balance. Modifications that are performed due to the debtor’s financial difficulties are considered Troubled Debt Restructurings (“TDRs”).
Loans that have been classified as TDRs during the three month periods ended March 31, 2015 and March 31, 2014 are as follows (000s omitted from dollar amounts):
		Three months ended						Three months ended
		March 31, 2015						March 31, 2014
		Number of		Pre-		Post-		Number of		Pre-		Post-
		Contracts		Modification		Modification		Contracts		Modification		Modification
				Recorded		Recorded				Recorded		Recorded
				Principal		Principal				Principal		Principal
				Balance		Balance				Balance		Balance
Agriculture and Agricultural Real Estate			-	$	-	$	-		1	$	314	$	314
Commercial			-		-		-		-		-		-
Commercial Real Estate			1		332		332		2		946		931
Construction Real Estate			-		-		-		-		-		-
Residential Real Estate			-		-		-		3		265		230
Consumer and Other			-		-		-		-		-		-
Total			1	$	332	$	332		6	$	1,525	$	1,475
The Bank considers TDRs that become past due under the modified terms as defaulted. There were no loans that became TDRs during the three month periods ended March 31, 2015 and March 31, 2014 that subsequently defaulted during the three month periods ended March 31, 2015 and March 31, 2014, respectively.
The Company has allocated $2,775,000 of specific reserves to customers whose loan terms have been modified in troubled debt restructurings at March 31, 2015. In addition, there are no commitments to lend additional amounts to borrowers that are classified as troubled debt restructurings as of March 31, 2015 and March 31, 2014.

INVESTMENT_SECURITIES

INVESTMENT SECURITIES	3 Months Ended
	Mar. 31, 2015
Investments, Debt and Equity Securities [Abstract]
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	6. INVESTMENT SECURITIES
	The following is a summary of the Bank’s investment securities portfolio as of March 31, 2015 and December 31, 2014 (000’s omitted):
		Held to Maturity
		March 31, 2015
				Gross		Gross		Estimated
		Amortized		Unrealized		Unrealized		Market
		Cost		Gains		Losses		Value
	Obligations of States and Political Subdivisions	$	35,854	$	1,443	$	-48	$	37,249
	Corporate Debt Securities		500		-		-		500
		$	36,354	$	1,443	$	-48	$	37,749
		Held to Maturity
		December 31, 2014
				Gross		Gross		Estimated
		Amortized		Unrealized		Unrealized		Market
		Cost		Gains		Losses		Value
	Obligations of States and Political Subdivisions	$	32,113	$	1,287	$	-69	$	33,331
	Corporate Debt Securities		500		-		-		500
		$	32,613	$	1,287	$	-69	$	33,831
		Available for Sale
		March 31, 2015
				Gross		Gross		Estimated
		Amortized		Unrealized		Unrealized		Market
		Cost		Gains		Losses		Value
	Obligations of U.S. Government Agencies	$	351,130	$	2,940	$	-1,056	$	353,014
	Mortgage Backed Securities issued by U.S. Government Agencies		115,189		600		-476		115,313
	Obligations of States and Political Subdivisions		20,707		410		-54		21,063
	Corporate Debt Securities		1,982		19		-		2,001
	Equity Securities		2,044		115		-		2,159
		$	491,052	$	4,084	$	-1,586	$	493,550
		Available for Sale
		December 31, 2014
				Gross		Gross		Estimated
		Amortized		Unrealized		Unrealized		Market
		Cost		Gains		Losses		Value
	Obligations of U.S. Government Agencies	$	343,703	$	1,372	$	-3,027	$	342,048
	Mortgage Backed Securities issued by U.S. Government Agencies		105,890		406		-890		105,406
	Obligations of States and Political Subdivisions		19,286		377		-82		19,581
	Corporate Debt Securities		3,975		27		-		4,002
	Equity Securities		2,044		95		-		2,139
		$	474,898	$	2,277	$	-3,999	$	473,176
	The amortized cost and estimated market values of securities by contractual maturity as of March 31, 2015 are shown below. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties.
		Held to Maturity				Available for Sale
				Estimated				Estimated
		Amortized		Market		Amortized		Market
		Cost		Value		Cost		Value
	Contractual maturity in
	1 year or less	$	6,148	$	6,161	$	5,784	$	5,806
	After 1 year through five years		15,863		16,149		138,807		138,995
	After 5 years through 10 years		11,478		12,142		216,248		218,213
	After 10 years		2,865		3,297		12,980		13,064
	Total		36,354		37,749		373,819		376,078
	Mortgage Backed Securities		-		-		115,189		115,313
	Securities with no stated maturity		-		-		2,044		2,159
	Total	$	36,354	$	37,749	$	491,052	$	493,550
	The investment securities portfolio is evaluated for impairment throughout the year. Impairment is recorded against individual securities, unless the decrease in fair value is attributable to interest rates or the lack of an active market, and Management determines that the Company does not intend to sell the investments and it is not more likely than not that the Company will be required to sell the investments before a recovery of their amortized costs bases, which may be maturity. The following table shows the gross unrealized losses and fair value of the Company’s investments with unrealized losses (in thousands), aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at March 31, 2015 and December 31, 2014.
	March 31, 2015
		Less than 12 months				12 months or longer				Total
		Aggregate		Gross		Aggregate		Gross		Aggregate		Gross
		Fair Value		Unrealized		Fair Value		Unrealized		Fair Value		Unrealized
				Losses				Losses				Losses
	Obligations of United States Government Agencies	$	34,555	$	154	$	129,052	$	902	$	163,607	$	1,056
	Mortgage Backed Securities issued by U.S. Government Agencies		16,150		30		34,520		446		50,670		476
	Obligations of States and Political Subdivisions		5,742		23		5,755		79		11,497		102
		$	56,447	$	207	$	169,327	$	1,427	$	225,774	$	1,634
December 31, 2014
	Less than 12 months				12 months or longer				Total
	Aggregate		Gross		Aggregate		Gross		Aggregate		Gross
	Fair Value		Unrealized		Fair Value		Unrealized		Fair Value		Unrealized
			Losses				Losses				Losses
Obligations of United States Government Agencies	$	47695	$	144	$	159650	$	2883	$	207345	$	3027
Mortgage Backed Securities issued by U.S. Government Agencies		32,756		175		40,556		715		73,312		890
Obligations of States and Political Subdivisions		9,341		52		4,276		99		13,617		151
	$	89,792	$	371	$	204,482	$	3,697	$	294,274	$	4,068
The amount of investment securities issued by government agencies, states, and political subdivisions with unrealized losses and the amount of unrealized losses on those investment securities are primarily the result of market interest rates and not the result of the credit quality of the issuers of the securities. Because the Company does not intend to sell the investments and it is not more likely than not that the Company will be required to sell the investments before recovery of their amortized cost bases, which may be maturity, the Company does not consider those investments to be other than temporarily impaired at March 31, 2015. As of March 31, 2015 and December 31, 2014, there were 88 and 116 securities in an unrealized loss position, respectively.

FAIR_VALUE_OF_FINANCIAL_INSTRU

FAIR VALUE OF FINANCIAL INSTRUMENTS	3 Months Ended
	Mar. 31, 2015
Fair Value Disclosures [Abstract]
Fair Value Disclosures [Text Block]	7. FAIR VALUE OF FINANCIAL INSTRUMENTS
	Fair value, as defined in ASC Topic 820, is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. A fair value measurement assumes that the transaction to sell the asset or transfer the liability occurs in the principal market for the asset or liability or, in the absence of a principal market, the most advantageous market for the asset or liability. The price in the principal (or most advantageous) market used to measure the fair value of the asset or liability is not adjusted for transaction costs. An orderly transaction is a transaction that assumes exposure to the market for a period prior to the measurement date to allow for market activities that are usual and customary for transactions involving such assets or liabilities; it is not a forced transaction. Market participants are buyers and sellers in the principal market that are (i) independent, (ii) knowledgeable, (iii) able to transact and (iv) willing to transact.
	The Company utilizes fair value measurements to record fair value adjustments to certain assets and to determine fair value disclosures. Fair value is used on a recurring basis for Available for Sale Securities. Additionally, fair value is used on a non-recurring basis to evaluate assets or liabilities for impairment or for disclosure purposes. Examples of these non-recurring uses of fair value include certain loans held for sale accounted for on a lower of cost or market basis. Depending on the nature of the asset or liability, the Company uses various valuation techniques and assumptions when estimating fair value.
	The Company applied the following fair value hierarchy:
	Level 1 – Inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets. The Company’s mutual fund investments where quoted prices are available in an active market generally are classified within Level 1 of the fair value hierarchy.
	Level 2 – Inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument. The Company’s borrowed funds and investments in U.S. government agency securities, government sponsored mortgage backed securities, corporate debt securities, and obligations of states and political subdivisions are generally classified in Level 2 of the fair value hierarchy. Fair values for these instruments are estimated using pricing models, quoted prices of securities with similar characteristics, or discounted cash flows.
	Level 3 – Inputs to the valuation methodology are unobservable and significant to the fair value measurement. Private equity investments and trust preferred collateralized debt obligations are classified within Level 3 of the fair value hierarchy. Fair values are initially valued based on transaction price and are adjusted to reflect exit values.
	The following tables present information about the Company’s financial assets and liabilities measured at fair value on a recurring basis at March 31, 2015 and December 31, 2014, and the valuation techniques used by the Company to determine those fair values.
										Total
		Carrying								Estimated
	March 31, 2015	Value		Level 1		Level 2		Level 3		Fair Value
	Financial Assets:
	Cash and due from banks	$	51,557	$	51,557	$	-	$	-	$	51,557
	Securities - Held to Maturity
	Obligations of States and Political Subdivisions		35,854		-		37,249		-		37,249
	Corporate Debt Securities		500		-		500		-		500
	Securities - Available for Sale
	Obligations of U.S. Government Agencies		353,014		-		353,014		-		353,014
	MBS issued by U.S. Government Agencies		115,313		-		115,313		-		115,313
	Obligations of States and Political Subdivisions		21,063		-		21,063		-		21,063
	Corporate Debt Securities		2,001		-		2,001		-		2,001
	Other Securities		2,159		2,159		-		-		2,159
	Federal Home Loan Bank Stock		7,537		-		7,537		-		7,537
	Loans Held for Sale		662		-		-		700		700
	Loans, net		605,532		-		-		616,027		616,027
	Accrued Interest Receivable		4,336		-		-		4,336		4,336
	Financial Liabilities:
	Noninterest Bearing Deposits		235,743		235,743		-		-		235,743
	Interest Bearings Deposits		899,569		-		901,519		-		901,519
	Repurchase Agreements		15,000		-		15,709		-		15,709
	Accrued Interest Payable		133		-		-		133		133
										Total
		Carrying								Estimated
	December 31, 2014	Value		Level 1		Level 2		Level 3		Fair Value
	Financial Assets:
	Cash and due from banks	$	52,122	$	52,122	$	-	$	-	$	52,122
	Securities - Held to Maturity
	Obligations of States and Political Subdivisions		32,113		-		33,331		-		33,331
	Corporate Debt Securities		500		-		500		-		500
	Securities - Available for Sale
	Obligations of U.S. Government Agencies		342,048		-		342,048		-		342,048
	MBS issued by U.S. Government Agencies		105,406		-		105,406		-		105,406
	Obligations of States and Political Subdivisions		19,581		-		19,581		-		19,581
	Corporate Debt Securities		4,002		-		4,002		-		4,002
	Other Securities		2,139		2,139		-		-		2,139
	Federal Home Loan Bank Stock		7,537		-		7,537		-		7,537
	Loans Held for Sale		548		-		-		560		560
	Loans, net		597,124		-		-		608,109		608,109
	Accrued Interest Receivable		3,943		-		-		3,943		3,943
	Financial Liabilities:
	Noninterest Bearing Deposits		218,221		218,221		-		-		218,221
	Interest Bearings Deposits		893,590		-		895,522		-		895,522
	Repurchase Agreements		15,000		-		15,828		-		15,828
	Accrued Interest Payable		137		-		-		137		137
	In instances where inputs used to measure fair value fall into different levels in the above fair value hierarchy, fair value measurements in their entirety are categorized based on the lowest level input that is significant to the valuation. The Company’s assessment of the significance of particular inputs to these fair value measurements requires judgment and considers factors specific to each asset.
	The changes in Level 3 assets measured at fair value on a recurring basis were (000’s omitted):
	Investment Securities - Available for Sale	2015		2014
	Balance at January 1	$	-	$	5,751
	Total realized and unrealized losses included in income		-		-4
	Total unrealized gains included in other comprehensive income		-		-33
	Net purchases, sales, calls and maturities		-		-
	Net transfers in/out of Level 3		-		-
	Balance at March 31	$	-	$	5,714
	The Company did not have any sales or purchases of Level 3 available for sale securities during the period.  The Company sold all of its Level 3 Available for Sale securities in the second and third quarters of 2014.
Both observable and unobservable inputs may be used to determine the fair value of positions classified as Level 3 assets. As a result, the unrealized gains and losses for these assets presented in the tables above may include changes in fair value that were attributable to both observable and unobservable inputs.
The Company also has assets that under certain conditions are subject to measurement at fair value on a nonrecurring basis. These assets include loans and Other Real Estate Owned. The Company estimated the fair values of these assets using Level 3 inputs, specifically discounted cash flow projections.
Assets measured at fair value on a nonrecurring basis are as follows (000’s omitted):
	Balance at		Quoted Prices in		Significant Other		Significant
	March 31,		Active Markets for		Observable		Unobservable
	2015		Identical Assets		Inputs (Level 2)		Inputs (Level 3)
			(Level 1)
Impaired loans	$	34,392	$	-	$	-	$	31,150
Other Real Estate Owned	$	4,888	$	-	$	-	$	4,888
	Balance at		Quoted Prices in		Significant Other		Significant
	December 31,		Active Markets for		Observable		Unobservable
	2014		Identical Assets		Inputs (Level 2)		Inputs (Level 3)
			(Level 1)
Impaired loans	$	35,670	$	-	$	-	$	32,015
Other Real Estate Owned	$	5,615	$	-	$	-	$	5,615
Impaired loans categorized as Level 3 assets consist of non-homogenous loans that are considered impaired. The Company estimates the fair value of the loans based on the present value of expected future cash flows using management’s best estimate of key assumptions. These assumptions include future payment ability, timing of payment streams, and estimated realizable values of available collateral (typically based on outside appraisals). Other Real Estate Owned (OREO) consists of property received in full or partial satisfaction of a receivable. The Company utilizes independent appraisals to estimate the fair value of OREO properties.

FINANCIAL_INSTRUMENTS_WITH_OFF

FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK	3 Months Ended
	Mar. 31, 2015
Fair Value Off Balance Sheet Risk [Abstract]
Financial Instruments With Off - Balance Sheet Risk [Text Block]	9. FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK
	The Bank 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 and standby letters of credit. Those instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the consolidated statements of condition.
	The Bank’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit is represented by the contractual amount of those instruments. The Bank uses the same credit policies in making commitments and conditional obligations as it does for its other lending activities.
	Financial instruments whose contractual amounts represent off-balance sheet credit risk were as follows (000s omitted):
		Contractual Amount
		March 31,		December 31,
		2015		2014
	Commitments to extend credit:
	Unused portion of commercial lines of credit	$	62,024	$	66,319
	Unused portion of credit card lines of credit		3,894		3,630
	Unused portion of home equity lines of credit		20,088		19,544
	Standby letters of credit and financial guarantees written		3,163		3,178
	All other off-balance sheet commitments		-		-
	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. Most commercial lines of credit are secured by real estate mortgages or other collateral, and generally have fixed expiration dates or other termination clauses. Since the lines of credit may expire without being drawn upon, the total committed amounts do not necessarily represent future cash requirements. Credit card lines of credit have various established expiration dates, but are fundable on demand. Home equity lines of credit are secured by real estate mortgages, a majority of which have ten year expiration dates, but are fundable on demand. The Bank evaluates each customer’s creditworthiness on a case-by-case basis. The amount of the collateral obtained, if deemed necessary by the Bank upon extension of credit, is based on Management’s credit evaluation of the counterparty.
	Standby letters of credit written are conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support public and private borrowing arrangements and other business transactions.

BASIS_OF_PRESENTATION_AND_ACCO1

BASIS OF PRESENTATION AND ACCOUNTING POLICIES (Policies)	3 Months Ended
	Mar. 31, 2015
Accounting Policies [Abstract]
Consolidation, Policy [Policy Text Block]	PRINCIPLES OF CONSOLIDATION
	The consolidated financial statements include the accounts of the Company and its subsidiary. All material intercompany transactions and balances have been eliminated.
Comprehensive Income Policy [Policy Text Block]	COMPREHENSIVE INCOME
	Accounting principles generally require that revenue, expenses, gains, and losses be included in net income. Certain changes in assets and liabilities, however, such as unrealized gains and losses on securities available for sale and amounts recognized related to postretirement benefit plans (gains and losses, prior service costs, and transition assets or obligations), are reported as a direct adjustment to the equity section of the balance sheet. Such items, along with net income, are components of comprehensive income.
Segment Reporting, Policy [Policy Text Block]	BUSINESS SEGMENTS
	While the Company's chief decision makers monitor the revenue streams of various products and services, operations are managed and financial performance is evaluated on a company wide basis. Accordingly, all of the Company’s operations are considered by management to be aggregated in one reportable segment.
Fair Value Measurement Policy [Policy Text Block]	FAIR VALUE
	The Company measures or monitors many of its assets and liabilities on a fair value basis. Fair value is used on a recurring basis for assets and liabilities that are elected to be accounted for under The Fair Value Option as well as for certain assets and liabilities in which fair value is the primary basis of accounting. Examples of these include derivative instruments and available for sale securities. Additionally, fair value is used on a non-recurring basis to evaluate assets or liabilities for impairment or for disclosure purposes. Examples of these non-recurring uses of fair value include certain loans held for sale accounted for on a lower of cost or market basis. Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Depending on the nature of the asset or liability, the Company uses various valuation techniques and assumptions when estimating fair value.
	When determining the fair value measurements for assets and liabilities required or permitted to be recorded at and/or marked to fair value, the Company considers the principal or most advantageous market in which it would transact and considers assumptions that market participants would use when pricing the asset or liability. When possible, the Company looks to active and observable markets to price identical assets or liabilities. When identical assets and liabilities are not traded in active markets, the Company looks to market observable data for similar assets or liabilities. Nevertheless, certain assets and liabilities are not actively traded in observable markets and the Company must use alternative valuation techniques to derive a fair value measurement.
New Accounting Pronouncements Policy [Policy Text Block]	ACCOUNTING PRONOUNCEMENTS
	The Financial Accounting Standards Board (FASB) issued Accounting Standards Update 2014-09 (ASU 2014-09), “Revenue from Contracts with Customers (Topic 606)”. ASU 2014-09 adopts a standardized approach for revenue recognition and was a joint effort with the International Accounting Standards Board (IASB). The new revenue recognition standard is based on a core principle of recognizing revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. ASU 2014-09 does not apply to financial instruments. ASU 2014-09 is effective for public entities for reporting periods beginning after December 15, 2016 (therefore, for the year ending December 31, 2017 for the Corporation). Early implementation is not allowed for public companies. Management is currently assessing the impact to the Corporation’s consolidated financial statements.

EARNINGS_PER_SHARE_Tables

EARNINGS PER SHARE (Tables)	3 Months Ended
	Mar. 31, 2015
Earnings Per Share [Abstract]
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	The calculations of earnings per common share are as follows:
		For the three months ended March 31,
		2015		2014
	Basic
	Net income	$	2,777,000	$	1,767,000
	Average common shares outstanding		22,721,845		20,818,727
	Earnings per common share - basic	$	0.12	$	0.08
	Diluted
	Net income	$	2,777,000	$	1,767,000
	Average common shares outstanding		22,721,845		20,818,727
	Equity compensation		184,489		294,199
	Average common shares outstanding - diluted		22,906,334		21,112,926
	Earnings per common share - diluted	$	0.12	$	0.08

STOCK_BASED_COMPENSATION_Table

STOCK BASED COMPENSATION (Tables)	3 Months Ended
	Mar. 31, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Schedule of Share-based Compensation, Stock Options and Stock Appreciation Rights Award Activity [Table Text Block]	The following table summarizes the options that had been granted to certain key executives in accordance with the Long-Term Incentive Compensation Plan that was approved by shareholders at the Annual Meeting of Shareholders on April 6, 2000.
				Weighted Average
		Shares		Exercise Price
	Options Outstanding, January 1, 2015		205,400	$	19.08
	Granted		-		-
	Exercised		-		-
	Forfeited		-		-
	Expired		89,500		23.4
	Options Outstanding, March 31, 2015		115,900	$	15.75
	Options Exercisable, March 31, 2015		115,900	$	15.75
Schedule of Share-based Compensation, Stock Options and Stock Appreciation Rights Award Activity [Table Text Block]	The following table summarizes the SOSARs that have been granted:
				Weighted Average
		SOSARs		Base Price
	SOSARs Outstanding, January 1, 2015		557,439	$	3.58
	Granted		72,500		4.94
	Exercised		21,166		2.31
	Forfeited		7,502		3.82
	Expired		-		-
	SOSARs Outstanding, March 31, 2015		601,271	$	3.78
	SOSARs Exercisable, March 31, 2015		427,724	$	3.51

LOANS_Tables

LOANS (Tables)	3 Months Ended
	Mar. 31, 2015
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]
Schedule Of Loan Balances Outstanding By Category [Table Text Block]	Loans consist of the following (000s omitted):
		March 31,			December 31,
		2015			2014
	Residential real estate loans	$	221,329		$	223,701
	Commercial and Construction real estate loans		263,511			262,395
	Agriculture and agricultural real estate loans		17,106			16,700
	Commercial and industrial loans		74,071			62,761
	Loans to individuals for household, family, and other personal expenditures		42,706			44,775
	Total loans, gross	$	618,723		$	610,332
	Less: Allowance for loan losses		13,191			13,208
		$	605,532		$	597,124
Schedule Of Non Performing Assets [Table Text Block]	The following table summarizes nonperforming assets (000’s omitted):
		March 31,				December 31,
		2015				2014
	Nonaccrual loans	$	12,329			$	13,040
	Loans 90 days past due and accruing		3				10
	Restructured loans		22,788				22,896
	Total nonperforming loans	$	35,120			$	35,946
	Other real estate owned		4,888				5,615
	Other assets		5				18
	Nonperforming investment securities		-				-
	Total nonperforming assets	$	40,013			$	41,579
	Nonperforming assets to total assets		3.06	%			3.25	%
	Allowance for loan losses to nonperforming loans		37.56	%			36.74	%

ALLOWANCE_FOR_LOAN_LOSSES_Tabl

ALLOWANCE FOR LOAN LOSSES (Tables)	3 Months Ended
	Mar. 31, 2015
Receivables [Abstract]
Allowance for Credit Losses on Financing Receivables [Table Text Block]	Activity in the allowance for loan losses during the three months ended March 31, 2015 was as follows (000s omitted):
		Agriculture		Commercial		Commercial		Construction		Residential		Consumer		Total
		and				Real Estate		Real Estate		Real Estate		and Other
		Agricultural
		Real Estate
	Allowance for loan losses: For the three months ended March 31, 2015
	Beginning Balance	$	216	$	1,361	$	6,179	$	803	$	3,226	$	1,423	$	13,208
	Charge-offs		-		-106		-		-		-196		-20		-322
	Recoveries		7		74		161		609		223		31		1,105
	Provision		32		51		-662		-602		-180		561		-800
	Ending balance	$	255	$	1,380	$	5,678	$	810	$	3,073	$	1,995	$	13,191
	Allowance for loan losses as of March 31, 2015
	Ending balance individually evaluated for impairment	$	34	$	449	$	1,296	$	671	$	580	$	212	$	3,242
	Ending balance collectively evaluated for impairment		221		931		4,382		139		2,493		1,783		9,949
	Ending balance	$	255	$	1,380	$	5,678	$	810	$	3,073	$	1,995	$	13,191
	Loans as of March 31, 2015
	Ending balance individually evaluated for impairment	$	917	$	1,255	$	18,248	$	1,969	$	11,480	$	523	$	34,392
	Ending balance collectively evaluated for impairment		16,189		72,816		232,479		10,815		209,849		42,183		584,331
	Ending balance	$	17,106	$	74,071	$	250,727	$	12,784	$	221,329	$	42,706	$	618,723
	Activity in the allowance for loan losses during the three months ended March 31, 2014 was as follows (000s omitted):
		Agriculture		Commercial		Commercial		Construction		Residential		Consumer		Total
		and				Real Estate		Real Estate		Real Estate		and Other
		Agricultural
		Real Estate
	Allowance for loan losses: For the three months ended March 31, 2014
	Beginning Balance	$	171	$	1,989	$	7,030	$	1,397	$	4,606	$	1,016	$	16,209
	Charge-offs		-		-186		-108		-210		-132		-38		-674
	Recoveries		-		33		65		234		165		26		523
	Provision		34		-56		473		9		-161		-199		100
	Ending balance	$	205	$	1,780	$	7,460	$	1,430	$	4,478	$	805	$	16,158
	Allowance for loan losses as of March 31, 2014
	Ending balance individually evaluated for impairment	$	46	$	920	$	2,758	$	1,150	$	1,713	$	248	$	6,835
	Ending balance collectively evaluated for impairment		159		860		4,702		280		2,765		557		9,323
	Ending balance	$	205	$	1,780	$	7,460	$	1,430	$	4,478	$	805	$	16,158
	Loans as of March 31, 2014
	Ending balance individually evaluated for impairment	$	713	$	2,304	$	35,937	$	4,013	$	15,715	$	596	$	59,278
	Ending balance collectively evaluated for impairment		13,842		56,491		228,069		10,858		209,484		13,784		532,528
	Ending balance	$	14,555	$	58,795	$	264,006	$	14,871	$	225,199	$	14,380	$	591,806
Financing Receivable Credit Quality Indicators [Table Text Block]	The portfolio segments in each credit risk grade as of March 31, 2015 are as follows (000s omitted):
	Credit Quality Indicators as of March 31, 2015
	Credit Risk by Internally Assigned Grade
		Agriculture		Commercial		Commercial		Construction		Residential		Consumer and		Total
		and				Real Estate		Real Estate		Real Estate		Other
		Agricultural
		Real Estate
	Not Rated	$	116	$	5,842	$	355	$	5,180	$	138,983	$	38,777	$	189,253
	1		-		2,793		-		-		-		365		3,158
	2		13		282		742		-		-		-		1,037
	3		403		12,667		9,072		-		218		-		22,360
	4		13,441		45,114		179,271		4,439		60,390		3,154		305,809
	5		2,101		4,297		32,558		2,585		8,802		95		50,438
	6		1,032		3,076		28,729		580		12,936		315		46,668
	7		-		-		-		-		-		-		-
	8		-		-		-		-		-		-		-
	9		-		-		-		-		-		-		-
	Total	$	17,106	$	74,071	$	250,727	$	12,784	$	221,329	$	42,706	$	618,723
	Performing	$	16,109	$	72,655	$	233,018	$	10,750	$	209,062	$	42,009	$	583,603
	Nonperforming		997		1,416		17,709		2,034		12,267		697		35,120
	Total	$	17,106	$	74,071	$	250,727	$	12,784	$	221,329	$	42,706	$	618,723
	The portfolio segments in each credit risk grade as of December 31, 2014 are as follows (000s omitted):
	Credit Quality Indicators as of December 31, 2014
	Credit Risk by Internally Assigned Grade
		Agriculture		Commercial		Commercial		Construction		Residential		Consumer and		Total
		and				Real Estate		Real Estate		Real Estate		Other
		Agricultural
		Real Estate
	Not Rated	$	122	$	2,700	$	-	$	5,402	$	138,355	$	40,371	$	186,950
	1		-		3,060		-		-		-		369		3,429
	2		330		287		830		-		132		-		1,579
	3		491		7,084		9,923		-		464		-		17,962
	4		13,458		41,441		176,685		4,357		58,902		3,260		298,103
	5		1,261		4,903		34,385		2,471		10,112		199		53,331
	6		1,038		3,286		27,646		696		15,736		576		48,978
	7		-		-		-		-		-		-		-
	8		-		-		-		-		-		-		-
	9		-		-		-		-		-		-		-
	Total	$	16,700	$	62,761	$	249,469	$	12,926	$	223,701	$	44,775	$	610,332
	Performing	$	15,702	$	61,287	$	231,461	$	10,740	$	211,143	$	44,053	$	574,386
	Nonperforming		998		1,474		18,008		2,186		12,558		722		35,946
	Total	$	16,700	$	62,761	$	249,469	$	12,926	$	223,701	$	44,775	$	610,332
Past Due Financing Receivables [Table Text Block]	The following is a summary of past due loans as of March 31, 2015 and December 31, 2014 (000s omitted):
	March 31, 2015	30-59 Days		60-89 Days		>90 Days		Total Past		Current		Total Loans		Recorded
		Past Due		Past Due		Past Due		Due						Investment >90
														Days Past Due
														and Accruing
	Agriculture and Agricultural Real Estate	$	-	$	-	$	80	$	80	$	17,026	$	17,106	$	-
	Commercial		52		133		72		257		73,814		74,071		3
	Commercial Real Estate		2,117		143		1,727		3,987		246,740		250,727		-
	Construction Real Estate		110		-		2		112		12,672		12,784		-
	Residential Real Estate		2,553		292		740		3,585		217,744		221,329		-
	Consumer and Other		163		11		32		206		42,500		42,706		-
	Total	$	4,995	$	579	$	2,653	$	8,227	$	610,496	$	618,723	$	3
	December 31, 2014	30-59 Days		60-89 Days		>90 Days		Total Past		Current		Total Loans		Recorded
		Past Due		Past Due		Past Due		Due						Investment >90
														Days Past Due
														and Accruing
	Agriculture and Agricultural Real Estate	$	449	$	-	$	80	$	529	$	16,171	$	16,700	$	-
	Commercial		142		44		60		246		62,515		62,761		10
	Commercial Real Estate		2,127		1,118		2,287		5,532		243,937		249,469		-
	Construction Real Estate		334		-		-		334		12,592		12,926		-
	Residential Real Estate		2,946		741		777		4,464		219,237		223,701		-
	Consumer and Other		124		15		61		200		44,575		44,775		-
	Total	$	6,122	$	1,918	$	3,265	$	11,305	$	599,027	$	610,332	$	10
Schedule of Financing Receivables, Non Accrual Status [Table Text Block]	The following is a summary of non-accrual loans as of March 31, 2015 and December 31, 2014 (000s omitted):
		March 31, 2015		December 31, 2014
	Agriculture and Agricultural Real Estate	$	80	$	80
	Commercial		322		315
	Commercial Real Estate		6,460		6,287
	Construction Real Estate		186		409
	Residential Real Estate		5,108		5,760
	Consumer and Other		173		189
	Total	$	12,329	$	13,040
Impaired Financing Receivables [Table Text Block]	The following is a summary of impaired loans as of March 31, 2015 and 2014 (000s omitted):
	March 31, 2015	Recorded		Unpaid		Related		Average		Interest Income
		Investment		Principal		Allowance		Recorded		Recognized in the
				Balance				Investment for the		Three Months
								Three Months		Ended
								Ended
	With no related allowance recorded:
	Agriculture and Agricultural Real Estate	$	255	$	255	$	-	$	255	$	3
	Commercial		346		392		-		413		5
	Commercial Real Estate		7,976		8,603		-		8,365		76
	Construction Real Estate		152		337		-		339		3
	Residential Real Estate		6,610		7,412		-		7,035		85
	Consumer and Other		35		35		-		37		1
	With an allowance recorded:
	Agriculture and Agricultural Real Estate		662		662		34		662		9
	Commercial		909		923		449		936		11
	Commercial Real Estate		10,272		12,264		1,296		11,903		124
	Construction Real Estate		1,817		1,846		671		1,833		21
	Residential Real Estate		4,870		5,278		580		5,055		57
	Consumer and Other		488		488		212		491		5
	Total:
	Agriculture and Agricultural Real Estate	$	917	$	917	$	34	$	917	$	12
	Commercial		1,255		1,315		449		1,349		16
	Commercial Real Estate		18,248		20,867		1,296		20,268		200
	Construction Real Estate		1,969		2,183		671		2,172		24
	Residential Real Estate		11,480		12,690		580		12,090		142
	Consumer and Other		523		523		212		528		6
		Recorded		Unpaid		Related		Average		Interest Income
		Investment as		Principal		Allowance as		Recorded		Recognized in the
		of December		Balance as of		of December		Investment for the		Three Months
		31, 2014		December 31,		31, 2014		Three Months		Ended March 31,
				2014				Ended March 31,		2014
								2014
	With no related allowance recorded:
	Agriculture and Agricultural Real Estate	$	256	$	256	$	-	$	-	$	-
	Commercial		363		412		-		1,025		13
	Commercial Real Estate		8,084		8,882		-		18,098		194
	Construction Real Estate		297		954		-		1,257		2
	Residential Real Estate		6,424		7,200		-		8,339		87
	Consumer and Other		3		3		-		33		1
	With an allowance recorded:
	Agriculture and Agricultural Real Estate		661		661		34		712		9
	Commercial		1,051		1,062		554		1,425		18
	Commercial Real Estate		10,929		12,758		1,502		20,446		212
	Construction Real Estate		1,820		1,851		671		3,177		33
	Residential Real Estate		5,251		5,658		672		8,038		79
	Consumer and Other		531		529		222		565		6
	Total:
	Agriculture and Agricultural Real Estate	$	917	$	917	$	34	$	712	$	9
	Commercial		1,414		1,474		554		2,450		31
	Commercial Real Estate		19,013		21,640		1,502		38,544		406
	Construction Real Estate		2,117		2,805		671		4,434		35
	Residential Real Estate		11,675		12,858		672		16,377		166
	Consumer and Other		534		532		222		598		7
Troubled Debt Restructurings on Financing Receivables [Table Text Block]	Loans that have been classified as TDRs during the three month periods ended March 31, 2015 and March 31, 2014 are as follows (000s omitted from dollar amounts):
		Three months ended						Three months ended
		March 31, 2015						March 31, 2014
		Number of		Pre-		Post-		Number of		Pre-		Post-
		Contracts		Modification		Modification		Contracts		Modification		Modification
				Recorded		Recorded				Recorded		Recorded
				Principal		Principal				Principal		Principal
				Balance		Balance				Balance		Balance
	Agriculture and Agricultural Real Estate		-	$	-	$	-		1	$	314	$	314
	Commercial		-		-		-		-		-		-
	Commercial Real Estate		1		332		332		2		946		931
	Construction Real Estate		-		-		-		-		-		-
	Residential Real Estate		-		-		-		3		265		230
	Consumer and Other		-		-		-		-		-		-
	Total		1	$	332	$	332		6	$	1,525	$	1,475

INVESTMENT_SECURITIES_Tables

INVESTMENT SECURITIES (Tables)	3 Months Ended
	Mar. 31, 2015
Investments, Debt and Equity Securities [Abstract]
Schedule Of Investment Securities Portfolio [Table Text Block]	The following is a summary of the Bank’s investment securities portfolio as of March 31, 2015 and December 31, 2014 (000’s omitted):
		Held to Maturity
		March 31, 2015
				Gross		Gross		Estimated
		Amortized		Unrealized		Unrealized		Market
		Cost		Gains		Losses		Value
	Obligations of States and Political Subdivisions	$	35,854	$	1,443	$	-48	$	37,249
	Corporate Debt Securities		500		-		-		500
		$	36,354	$	1,443	$	-48	$	37,749
		Held to Maturity
		December 31, 2014
				Gross		Gross		Estimated
		Amortized		Unrealized		Unrealized		Market
		Cost		Gains		Losses		Value
	Obligations of States and Political Subdivisions	$	32,113	$	1,287	$	-69	$	33,331
	Corporate Debt Securities		500		-		-		500
		$	32,613	$	1,287	$	-69	$	33,831
		Available for Sale
		March 31, 2015
				Gross		Gross		Estimated
		Amortized		Unrealized		Unrealized		Market
		Cost		Gains		Losses		Value
	Obligations of U.S. Government Agencies	$	351,130	$	2,940	$	-1,056	$	353,014
	Mortgage Backed Securities issued by U.S. Government Agencies		115,189		600		-476		115,313
	Obligations of States and Political Subdivisions		20,707		410		-54		21,063
	Corporate Debt Securities		1,982		19		-		2,001
	Equity Securities		2,044		115		-		2,159
		$	491,052	$	4,084	$	-1,586	$	493,550
		Available for Sale
		December 31, 2014
				Gross		Gross		Estimated
		Amortized		Unrealized		Unrealized		Market
		Cost		Gains		Losses		Value
	Obligations of U.S. Government Agencies	$	343,703	$	1,372	$	-3,027	$	342,048
	Mortgage Backed Securities issued by U.S. Government Agencies		105,890		406		-890		105,406
	Obligations of States and Political Subdivisions		19,286		377		-82		19,581
	Corporate Debt Securities		3,975		27		-		4,002
	Equity Securities		2,044		95		-		2,139
		$	474,898	$	2,277	$	-3,999	$	473,176
Expected Maturities Of Amortized Cost and Estimated Market Value [Table Text Block]	The amortized cost and estimated market values of securities by contractual maturity as of March 31, 2015 are shown below. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties.
		Held to Maturity				Available for Sale
				Estimated				Estimated
		Amortized		Market		Amortized		Market
		Cost		Value		Cost		Value
	Contractual maturity in
	1 year or less	$	6,148	$	6,161	$	5,784	$	5,806
	After 1 year through five years		15,863		16,149		138,807		138,995
	After 5 years through 10 years		11,478		12,142		216,248		218,213
	After 10 years		2,865		3,297		12,980		13,064
	Total		36,354		37,749		373,819		376,078
	Mortgage Backed Securities		-		-		115,189		115,313
	Securities with no stated maturity		-		-		2,044		2,159
	Total	$	36,354	$	37,749	$	491,052	$	493,550
Schedule Of Gross Unrealized Losses and Fair Value Of Investments With Unrealized Losses [Table Text Block]	The following table shows the gross unrealized losses and fair value of the Company’s investments with unrealized losses (in thousands), aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at March 31, 2015 and December 31, 2014.
	March 31, 2015
		Less than 12 months				12 months or longer				Total
		Aggregate		Gross		Aggregate		Gross		Aggregate		Gross
		Fair Value		Unrealized		Fair Value		Unrealized		Fair Value		Unrealized
				Losses				Losses				Losses
	Obligations of United States Government Agencies	$	34,555	$	154	$	129,052	$	902	$	163,607	$	1,056
	Mortgage Backed Securities issued by U.S. Government Agencies		16,150		30		34,520		446		50,670		476
	Obligations of States and Political Subdivisions		5,742		23		5,755		79		11,497		102
		$	56,447	$	207	$	169,327	$	1,427	$	225,774	$	1,634
	December 31, 2014
		Less than 12 months				12 months or longer				Total
		Aggregate		Gross		Aggregate		Gross		Aggregate		Gross
		Fair Value		Unrealized		Fair Value		Unrealized		Fair Value		Unrealized
				Losses				Losses				Losses
	Obligations of United States Government Agencies	$	47695	$	144	$	159650	$	2883	$	207345	$	3027
	Mortgage Backed Securities issued by U.S. Government Agencies		32,756		175		40,556		715		73,312		890
	Obligations of States and Political Subdivisions		9,341		52		4,276		99		13,617		151
		$	89,792	$	371	$	204,482	$	3,697	$	294,274	$	4,068

FAIR_VALUE_OF_FINANCIAL_INSTRU1

FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)	3 Months Ended
	Mar. 31, 2015
Fair Value Disclosures [Abstract]
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	The following tables present information about the Company’s financial assets and liabilities measured at fair value on a recurring basis at March 31, 2015 and December 31, 2014, and the valuation techniques used by the Company to determine those fair values.
										Total
		Carrying								Estimated
	March 31, 2015	Value		Level 1		Level 2		Level 3		Fair Value
	Financial Assets:
	Cash and due from banks	$	51,557	$	51,557	$	-	$	-	$	51,557
	Securities - Held to Maturity
	Obligations of States and Political Subdivisions		35,854		-		37,249		-		37,249
	Corporate Debt Securities		500		-		500		-		500
	Securities - Available for Sale
	Obligations of U.S. Government Agencies		353,014		-		353,014		-		353,014
	MBS issued by U.S. Government Agencies		115,313		-		115,313		-		115,313
	Obligations of States and Political Subdivisions		21,063		-		21,063		-		21,063
	Corporate Debt Securities		2,001		-		2,001		-		2,001
	Other Securities		2,159		2,159		-		-		2,159
	Federal Home Loan Bank Stock		7,537		-		7,537		-		7,537
	Loans Held for Sale		662		-		-		700		700
	Loans, net		605,532		-		-		616,027		616,027
	Accrued Interest Receivable		4,336		-		-		4,336		4,336
	Financial Liabilities:
	Noninterest Bearing Deposits		235,743		235,743		-		-		235,743
	Interest Bearings Deposits		899,569		-		901,519		-		901,519
	Repurchase Agreements		15,000		-		15,709		-		15,709
	Accrued Interest Payable		133		-		-		133		133
										Total
		Carrying								Estimated
	December 31, 2014	Value		Level 1		Level 2		Level 3		Fair Value
	Financial Assets:
	Cash and due from banks	$	52,122	$	52,122	$	-	$	-	$	52,122
	Securities - Held to Maturity
	Obligations of States and Political Subdivisions		32,113		-		33,331		-		33,331
	Corporate Debt Securities		500		-		500		-		500
	Securities - Available for Sale
	Obligations of U.S. Government Agencies		342,048		-		342,048		-		342,048
	MBS issued by U.S. Government Agencies		105,406		-		105,406		-		105,406
	Obligations of States and Political Subdivisions		19,581		-		19,581		-		19,581
	Corporate Debt Securities		4,002		-		4,002		-		4,002
	Other Securities		2,139		2,139		-		-		2,139
	Federal Home Loan Bank Stock		7,537		-		7,537		-		7,537
	Loans Held for Sale		548		-		-		560		560
	Loans, net		597,124		-		-		608,109		608,109
	Accrued Interest Receivable		3,943		-		-		3,943		3,943
	Financial Liabilities:
	Noninterest Bearing Deposits		218,221		218,221		-		-		218,221
	Interest Bearings Deposits		893,590		-		895,522		-		895,522
	Repurchase Agreements		15,000		-		15,828		-		15,828
	Accrued Interest Payable		137		-		-		137		137
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]	The changes in Level 3 assets measured at fair value on a recurring basis were (000’s omitted):
	Investment Securities - Available for Sale	2015		2014
	Balance at January 1	$	-	$	5,751
	Total realized and unrealized losses included in income		-		-4
	Total unrealized gains included in other comprehensive income		-		-33
	Net purchases, sales, calls and maturities		-		-
	Net transfers in/out of Level 3		-		-
	Balance at March 31	$	-	$	5,714
Fair Value Assets Measured On Nonrecurring Basis [Table Text Block]	Assets measured at fair value on a nonrecurring basis are as follows (000’s omitted):
		Balance at		Quoted Prices in		Significant Other		Significant
		March 31,		Active Markets for		Observable		Unobservable
		2015		Identical Assets		Inputs (Level 2)		Inputs (Level 3)
				(Level 1)
	Impaired loans	$	34,392	$	-	$	-	$	31,150
	Other Real Estate Owned	$	4,888	$	-	$	-	$	4,888
		Balance at		Quoted Prices in		Significant Other		Significant
		December 31,		Active Markets for		Observable		Unobservable
		2014		Identical Assets		Inputs (Level 2)		Inputs (Level 3)
				(Level 1)
	Impaired loans	$	35,670	$	-	$	-	$	32,015
	Other Real Estate Owned	$	5,615	$	-	$	-	$	5,615

FINANCIAL_INSTRUMENTS_WITH_OFF1

FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Tables)	3 Months Ended
	Mar. 31, 2015
Fair Value Off Balance Sheet Risk [Abstract]
Schedule of Fair Value, Off-balance Sheet Risks [Table Text Block]	Financial instruments whose contractual amounts represent off-balance sheet credit risk were as follows (000s omitted):
		Contractual Amount
		March 31,		December 31,
		2015		2014
	Commitments to extend credit:
	Unused portion of commercial lines of credit	$	62,024	$	66,319
	Unused portion of credit card lines of credit		3,894		3,630
	Unused portion of home equity lines of credit		20,088		19,544
	Standby letters of credit and financial guarantees written		3,163		3,178
	All other off-balance sheet commitments		-		-

EARNINGS_PER_SHARE_Details

EARNINGS PER SHARE (Details) (USD $)	3 Months Ended
In Thousands, except Share data, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Basic
Net income	$2,777	$1,767
Average common shares outstanding (in shares)	22,721,845	20,818,727
Earnings per common share - basic (in dollars per share)	$0.12	$0.08
Diluted
Net income	$2,777	$1,767
Average common shares outstanding (in shares)	22,721,845	20,818,727
Equity compensation (in shares)	184,489	294,199
Average common shares outstanding - diluted (in shares)	22,906,334	21,112,926
Earnings per common share - diluted (in dollars per share)	$0.12	$0.08

STOCK_BASED_COMPENSATION_Detai

STOCK BASED COMPENSATION (Details) (USD $)	3 Months Ended
	Mar. 31, 2015
Stock Appreciation Rights (SARs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options Outstanding, January 1,2015 Shares	557,439
Granted, Shares	72,500
Exercised, Shares	21,166
Forfeited, Shares	7,502
Expired, Shares	0
Options Outstanding, March 31,2015 Shares	601,271
Options Exercisable, March 31,2015 Shares	427,724
Options Outstanding, January 1,2015 Weighted Average Exercise Price	$3.58
Granted, Weighted Average Exercise Price	$4.94
Exercised, Weighted Average Exercise Price	$2.31
Forfeited, Weighted Average Exercise Price	$3.82
Expired, Weighted Average Exercise Price	$0
Options Outstanding, March 31,2015 Weighted Average Exercise Price	$3.78
Options Exercisable, March 31,2015 Weighted Average Exercise Price	$3.51
Stock Compensation Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options Outstanding, January 1,2015 Shares	205,400
Granted, Shares	0
Exercised, Shares	0
Forfeited, Shares	0
Expired, Shares	89,500
Options Outstanding, March 31,2015 Shares	115,900
Options Exercisable, March 31,2015 Shares	115,900
Options Outstanding, January 1,2015 Weighted Average Exercise Price	$19.08
Granted, Weighted Average Exercise Price	$0
Exercised, Weighted Average Exercise Price	$0
Forfeited, Weighted Average Exercise Price	$0
Expired, Weighted Average Exercise Price	$23.40
Options Outstanding, March 31,2015 Weighted Average Exercise Price	$15.75
Options Exercisable, March 31,2015 Weighted Average Exercise Price	$15.75

STOCK_BASED_COMPENSATION_Detai1

STOCK BASED COMPENSATION (Details Textual) (USD $)	3 Months Ended		1 Months Ended
	Mar. 31, 2015	Mar. 31, 2014	Jan. 21, 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Restricted Stock or Unit Expense	$83,000	$67,000
Share Price	$5.61
Fair Value Common Stock	$4.94
Stock Appreciation Rights (SARs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1	$1,103,000
Shares, Issued	196,562
Executive Officer [Member] | Stock Incentive Plan 2008 [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period	72,500
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value	$2.85
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Term	7 years
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Volatility Rate	57.07%
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Risk Free Interest Rate	1.70%
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Dividend Rate	0.00%
Executive Officer [Member] | Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock Issued During Period, Shares, Restricted Stock Award, Gross			25,000

LOANS_Details

LOANS (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, gross	$618,723	$610,332	$591,806
Less: Allowance for loan losses	13,191	13,208	16,158	16,209
Loans - Net	605,532	597,124
Residential real estate loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, gross	221,329	223,701
Commercial and Construction real estate loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, gross	263,511	262,395
Agriculture and agricultural real estate loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, gross	17,106	16,700
Commercial and industrial loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, gross	74,071	62,761
Loans to individuals for household, family, and other personal expenditures [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans, gross	$42,706	$44,775

LOANS_Details_1

LOANS (Details 1) (USD $)	Mar. 31, 2015	Dec. 31, 2014	Mar. 31, 2014
In Thousands, unless otherwise specified
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans	$12,329	$13,040
Loans 90 days past due and accruing	3	10
Total nonperforming loans	618,723	610,332	591,806
Other real estate owned	4,888	5,615
Other assets	26,299	29,465
Total assets	1,307,053	1,278,657
Nonperforming Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonperforming loans	35,120	35,946
Nonperforming Assets [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Other real estate owned	4,888	5,615
Other assets	5	18
Nonperforming investment securities	0	0
Total assets	40,013	41,579
Nonperforming assets to total assets	3.06%	3.25%
Allowance for loan losses to nonperforming loans	37.56%	36.74%
Nonperforming Assets [Member] | Nonperforming Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loans	12,329	13,040
Loans 90 days past due and accruing	3	10
Restructured loans	22,788	22,896
Total nonperforming loans	$35,120	$35,946

LOANS_Details_Textual

LOANS (Details Textual) (USD $)	Mar. 31, 2015
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and Leases Receivable, Related Parties	$250,000

ALLOWANCE_FOR_LOAN_LOSSES_Deta

ALLOWANCE FOR LOAN LOSSES (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2014
Allowance for loan losses:
Beginning Balance	$13,208	$16,209
Charge-offs	-322	-674
Recoveries	1,105	523
Provision	-800	100
Ending balance	13,191	16,158
Ending balance individually evaluated for impairment	3,242	6,835
Ending balance collectively evaluated for impairment	9,949	9,323
Ending balance	13,191	16,158
Loans:
Ending balance individually evaluated for impairment	34,392	59,278
Ending balance collectively evaluated for impairment	584,331	532,528
Ending balance	618,723	591,806	610,332
Agriculture and Agricultural Real Estate [Member]
Allowance for loan losses:
Beginning Balance	216	171
Charge-offs	0	0
Recoveries	7	0
Provision	32	34
Ending balance	255	205
Ending balance individually evaluated for impairment	34	46
Ending balance collectively evaluated for impairment	221	159
Ending balance	255	205
Loans:
Ending balance individually evaluated for impairment	917	713
Ending balance collectively evaluated for impairment	16,189	13,842
Ending balance	17,106	14,555	16,700
Commercial [Member]
Allowance for loan losses:
Beginning Balance	1,361	1,989
Charge-offs	-106	-186
Recoveries	74	33
Provision	51	-56
Ending balance	1,380	1,780
Ending balance individually evaluated for impairment	449	920
Ending balance collectively evaluated for impairment	931	860
Ending balance	1,380	1,780
Loans:
Ending balance individually evaluated for impairment	1,255	2,304
Ending balance collectively evaluated for impairment	72,816	56,491
Ending balance	74,071	58,795	62,761
Commercial Real Estate [Member]
Allowance for loan losses:
Beginning Balance	6,179	7,030
Charge-offs	0	-108
Recoveries	161	65
Provision	-662	473
Ending balance	5,678	7,460
Ending balance individually evaluated for impairment	1,296	2,758
Ending balance collectively evaluated for impairment	4,382	4,702
Ending balance	5,678	7,460
Loans:
Ending balance individually evaluated for impairment	18,248	35,937
Ending balance collectively evaluated for impairment	232,479	228,069
Ending balance	250,727	264,006	249,469
Construction Real Estate [Member]
Allowance for loan losses:
Beginning Balance	803	1,397
Charge-offs	0	-210
Recoveries	609	234
Provision	-602	9
Ending balance	810	1,430
Ending balance individually evaluated for impairment	671	1,150
Ending balance collectively evaluated for impairment	139	280
Ending balance	810	1,430
Loans:
Ending balance individually evaluated for impairment	1,969	4,013
Ending balance collectively evaluated for impairment	10,815	10,858
Ending balance	12,784	14,871	12,926
Residential Real Estate [Member]
Allowance for loan losses:
Beginning Balance	3,226	4,606
Charge-offs	-196	-132
Recoveries	223	165
Provision	-180	-161
Ending balance	3,073	4,478
Ending balance individually evaluated for impairment	580	1,713
Ending balance collectively evaluated for impairment	2,493	2,765
Ending balance	3,073	4,478
Loans:
Ending balance individually evaluated for impairment	11,480	15,715
Ending balance collectively evaluated for impairment	209,849	209,484
Ending balance	221,329	225,199	223,701
Consumer and Other [Member]
Allowance for loan losses:
Beginning Balance	1,423	1,016
Charge-offs	-20	-38
Recoveries	31	26
Provision	561	-199
Ending balance	1,995	805
Ending balance individually evaluated for impairment	212	248
Ending balance collectively evaluated for impairment	1,783	557
Ending balance	1,995	805
Loans:
Ending balance individually evaluated for impairment	523	596
Ending balance collectively evaluated for impairment	42,183	13,784
Ending balance	$42,706	$14,380	$44,775

ALLOWANCE_FOR_LOAN_LOSSES_Deta1

ALLOWANCE FOR LOAN LOSSES (Details 1) (USD $)	Mar. 31, 2015	Dec. 31, 2014	Mar. 31, 2014
In Thousands, unless otherwise specified
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	$618,723	$610,332	$591,806
Performing [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	583,603	574,386
Nonperforming [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	35,120	35,946
Not Rated [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	189,253	186,950
Risk Grade Rating 1 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	3,158	3,429
Risk Grade Rating 2 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	1,037	1,579
Risk Grade Rating 3 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	22,360	17,962
Risk Grade Rating 4 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	305,809	298,103
Risk Grade Rating 5 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	50,438	53,331
Risk Grade Rating 6 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	46,668	48,978
Risk Grade Rating 7 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	0	0
Risk Grade Rating 8 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	0	0
Risk Grade Rating 9 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	0	0
Agriculture and Agricultural Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	17,106	16,700	14,555
Agriculture and Agricultural Real Estate [Member] | Performing [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	16,109	15,702
Agriculture and Agricultural Real Estate [Member] | Nonperforming [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	997	998
Agriculture and Agricultural Real Estate [Member] | Not Rated [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	116	122
Agriculture and Agricultural Real Estate [Member] | Risk Grade Rating 1 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	0	0
Agriculture and Agricultural Real Estate [Member] | Risk Grade Rating 2 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	13	330
Agriculture and Agricultural Real Estate [Member] | Risk Grade Rating 3 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	403	491
Agriculture and Agricultural Real Estate [Member] | Risk Grade Rating 4 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	13,441	13,458
Agriculture and Agricultural Real Estate [Member] | Risk Grade Rating 5 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	2,101	1,261
Agriculture and Agricultural Real Estate [Member] | Risk Grade Rating 6 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	1,032	1,038
Agriculture and Agricultural Real Estate [Member] | Risk Grade Rating 7 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	0	0
Agriculture and Agricultural Real Estate [Member] | Risk Grade Rating 8 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	0	0
Agriculture and Agricultural Real Estate [Member] | Risk Grade Rating 9 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	0	0
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	74,071	62,761	58,795
Commercial [Member] | Performing [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	72,655	61,287
Commercial [Member] | Nonperforming [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	1,416	1,474
Commercial [Member] | Not Rated [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	5,842	2,700
Commercial [Member] | Risk Grade Rating 1 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	2,793	3,060
Commercial [Member] | Risk Grade Rating 2 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	282	287
Commercial [Member] | Risk Grade Rating 3 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	12,667	7,084
Commercial [Member] | Risk Grade Rating 4 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	45,114	41,441
Commercial [Member] | Risk Grade Rating 5 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	4,297	4,903
Commercial [Member] | Risk Grade Rating 6 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	3,076	3,286
Commercial [Member] | Risk Grade Rating 7 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	0	0
Commercial [Member] | Risk Grade Rating 8 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	0	0
Commercial [Member] | Risk Grade Rating 9 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	0	0
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	250,727	249,469	264,006
Commercial Real Estate [Member] | Performing [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	233,018	231,461
Commercial Real Estate [Member] | Nonperforming [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	17,709	18,008
Commercial Real Estate [Member] | Not Rated [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	355	0
Commercial Real Estate [Member] | Risk Grade Rating 1 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	0	0
Commercial Real Estate [Member] | Risk Grade Rating 2 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	742	830
Commercial Real Estate [Member] | Risk Grade Rating 3 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	9,072	9,923
Commercial Real Estate [Member] | Risk Grade Rating 4 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	179,271	176,685
Commercial Real Estate [Member] | Risk Grade Rating 5 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	32,558	34,385
Commercial Real Estate [Member] | Risk Grade Rating 6 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	28,729	27,646
Commercial Real Estate [Member] | Risk Grade Rating 7 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	0	0
Commercial Real Estate [Member] | Risk Grade Rating 8 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	0	0
Commercial Real Estate [Member] | Risk Grade Rating 9 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	0	0
Construction Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	12,784	12,926	14,871
Construction Real Estate [Member] | Performing [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	10,750	10,740
Construction Real Estate [Member] | Nonperforming [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	2,034	2,186
Construction Real Estate [Member] | Not Rated [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	5,180	5,402
Construction Real Estate [Member] | Risk Grade Rating 1 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	0	0
Construction Real Estate [Member] | Risk Grade Rating 2 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	0	0
Construction Real Estate [Member] | Risk Grade Rating 3 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	0	0
Construction Real Estate [Member] | Risk Grade Rating 4 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	4,439	4,357
Construction Real Estate [Member] | Risk Grade Rating 5 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	2,585	2,471
Construction Real Estate [Member] | Risk Grade Rating 6 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	580	696
Construction Real Estate [Member] | Risk Grade Rating 7 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	0	0
Construction Real Estate [Member] | Risk Grade Rating 8 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	0	0
Construction Real Estate [Member] | Risk Grade Rating 9 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	0	0
Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	221,329	223,701	225,199
Residential Real Estate [Member] | Performing [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	209,062	211,143
Residential Real Estate [Member] | Nonperforming [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	12,267	12,558
Residential Real Estate [Member] | Not Rated [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	138,983	138,355
Residential Real Estate [Member] | Risk Grade Rating 1 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	0	0
Residential Real Estate [Member] | Risk Grade Rating 2 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	0	132
Residential Real Estate [Member] | Risk Grade Rating 3 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	218	464
Residential Real Estate [Member] | Risk Grade Rating 4 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	60,390	58,902
Residential Real Estate [Member] | Risk Grade Rating 5 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	8,802	10,112
Residential Real Estate [Member] | Risk Grade Rating 6 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	12,936	15,736
Residential Real Estate [Member] | Risk Grade Rating 7 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	0	0
Residential Real Estate [Member] | Risk Grade Rating 8 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	0	0
Residential Real Estate [Member] | Risk Grade Rating 9 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	0	0
Consumer and Other [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	42,706	44,775	14,380
Consumer and Other [Member] | Performing [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	42,009	44,053
Consumer and Other [Member] | Nonperforming [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	697	722
Consumer and Other [Member] | Not Rated [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	38,777	40,371
Consumer and Other [Member] | Risk Grade Rating 1 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	365	369
Consumer and Other [Member] | Risk Grade Rating 2 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	0	0
Consumer and Other [Member] | Risk Grade Rating 3 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	0	0
Consumer and Other [Member] | Risk Grade Rating 4 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	3,154	3,260
Consumer and Other [Member] | Risk Grade Rating 5 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	95	199
Consumer and Other [Member] | Risk Grade Rating 6 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	315	576
Consumer and Other [Member] | Risk Grade Rating 7 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	0	0
Consumer and Other [Member] | Risk Grade Rating 8 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	0	0
Consumer and Other [Member] | Risk Grade Rating 9 [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total loans, gross	$0	$0

ALLOWANCE_FOR_LOAN_LOSSES_Deta2

ALLOWANCE FOR LOAN LOSSES (Details 2) (USD $)	Mar. 31, 2015	Dec. 31, 2014	Mar. 31, 2014
In Thousands, unless otherwise specified
Financing Receivable, Allowance for Credit Losses [Line Items]
30-59 Days Past Due	$4,995	$6,122
60-89 Days Past Due	579	1,918
>90 Days Past Due	2,653	3,265
Total Past Due	8,227	11,305
Current	610,496	599,027
Total nonperforming loans	618,723	610,332	591,806
Recorded Investment >90 Days Past Due and Accruing	3	10
Agriculture and Agricultural Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
30-59 Days Past Due	0	449
60-89 Days Past Due	0	0
>90 Days Past Due	80	80
Total Past Due	80	529
Current	17,026	16,171
Total nonperforming loans	17,106	16,700	14,555
Recorded Investment >90 Days Past Due and Accruing	0	0
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
30-59 Days Past Due	52	142
60-89 Days Past Due	133	44
>90 Days Past Due	72	60
Total Past Due	257	246
Current	73,814	62,515
Total nonperforming loans	74,071	62,761	58,795
Recorded Investment >90 Days Past Due and Accruing	3	10
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
30-59 Days Past Due	2,117	2,127
60-89 Days Past Due	143	1,118
>90 Days Past Due	1,727	2,287
Total Past Due	3,987	5,532
Current	246,740	243,937
Total nonperforming loans	250,727	249,469	264,006
Recorded Investment >90 Days Past Due and Accruing	0	0
Construction Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
30-59 Days Past Due	110	334
60-89 Days Past Due	0	0
>90 Days Past Due	2	0
Total Past Due	112	334
Current	12,672	12,592
Total nonperforming loans	12,784	12,926	14,871
Recorded Investment >90 Days Past Due and Accruing	0	0
Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
30-59 Days Past Due	2,553	2,946
60-89 Days Past Due	292	741
>90 Days Past Due	740	777
Total Past Due	3,585	4,464
Current	217,744	219,237
Total nonperforming loans	221,329	223,701	225,199
Recorded Investment >90 Days Past Due and Accruing	0	0
Consumer and Other [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
30-59 Days Past Due	163	124
60-89 Days Past Due	11	15
>90 Days Past Due	32	61
Total Past Due	206	200
Current	42,500	44,575
Total nonperforming loans	42,706	44,775	14,380
Recorded Investment >90 Days Past Due and Accruing	$0	$0

ALLOWANCE_FOR_LOAN_LOSSES_Deta3

ALLOWANCE FOR LOAN LOSSES (Details 3) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Financing Receivable, Allowance for Credit Losses [Line Items]
Non accrual loans	$12,329	$13,040
Agriculture and Agricultural Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Non accrual loans	80	80
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Non accrual loans	322	315
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Non accrual loans	6,460	6,287
Construction Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Non accrual loans	186	409
Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Non accrual loans	5,108	5,760
Consumer and Other [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Non accrual loans	$173	$189

ALLOWANCE_FOR_LOAN_LOSSES_Deta4

ALLOWANCE FOR LOAN LOSSES (Details 4) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2014
Agriculture and Agricultural Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
With no related allowance recorded, Recorded Investment	$255		$256
With no related allowance recorded, Unpaid Principal Balance	255		256
With no related allowance recorded, Related Allowance	0		0
With no related allowance recorded, Average Recorded Investment	255	0
With no related allowance recorded, Interest Income Recognized	3	0
With an allowance recorded, Recorded Investment	662		661
With an allowance recorded, Unpaid Principal Balance	662		661
With an allowance recorded, Related Allowance	34		34
With an allowance recorded, Average Recorded Investment	662	712
With an allowance recorded, Interest Income Recognized	9	9
Total, Recorded Investment	917		917
Total, Unpaid Principal Balance	917		917
Total, Related Allowance	34		34
Total, Average Recorded Investment	917	712
Total, Interest Income Recognized	12	9
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
With no related allowance recorded, Recorded Investment	346		363
With no related allowance recorded, Unpaid Principal Balance	392		412
With no related allowance recorded, Related Allowance	0		0
With no related allowance recorded, Average Recorded Investment	413	1,025
With no related allowance recorded, Interest Income Recognized	5	13
With an allowance recorded, Recorded Investment	909		1,051
With an allowance recorded, Unpaid Principal Balance	923		1,062
With an allowance recorded, Related Allowance	449		554
With an allowance recorded, Average Recorded Investment	936	1,425
With an allowance recorded, Interest Income Recognized	11	18
Total, Recorded Investment	1,255		1,414
Total, Unpaid Principal Balance	1,315		1,474
Total, Related Allowance	449		554
Total, Average Recorded Investment	1,349	2,450
Total, Interest Income Recognized	16	31
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
With no related allowance recorded, Recorded Investment	7,976		8,084
With no related allowance recorded, Unpaid Principal Balance	8,603		8,882
With no related allowance recorded, Related Allowance	0		0
With no related allowance recorded, Average Recorded Investment	8,365	18,098
With no related allowance recorded, Interest Income Recognized	76	194
With an allowance recorded, Recorded Investment	10,272		10,929
With an allowance recorded, Unpaid Principal Balance	12,264		12,758
With an allowance recorded, Related Allowance	1,296		1,502
With an allowance recorded, Average Recorded Investment	11,903	20,446
With an allowance recorded, Interest Income Recognized	124	212
Total, Recorded Investment	18,248		19,013
Total, Unpaid Principal Balance	20,867		21,640
Total, Related Allowance	1,296		1,502
Total, Average Recorded Investment	20,268	38,544
Total, Interest Income Recognized	200	406
Construction Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
With no related allowance recorded, Recorded Investment	152		297
With no related allowance recorded, Unpaid Principal Balance	337		954
With no related allowance recorded, Related Allowance	0		0
With no related allowance recorded, Average Recorded Investment	339	1,257
With no related allowance recorded, Interest Income Recognized	3	2
With an allowance recorded, Recorded Investment	1,817		1,820
With an allowance recorded, Unpaid Principal Balance	1,846		1,851
With an allowance recorded, Related Allowance	671		671
With an allowance recorded, Average Recorded Investment	1,833	3,177
With an allowance recorded, Interest Income Recognized	21	33
Total, Recorded Investment	1,969		2,117
Total, Unpaid Principal Balance	2,183		2,805
Total, Related Allowance	671		671
Total, Average Recorded Investment	2,172	4,434
Total, Interest Income Recognized	24	35
Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
With no related allowance recorded, Recorded Investment	6,610		6,424
With no related allowance recorded, Unpaid Principal Balance	7,412		7,200
With no related allowance recorded, Related Allowance	0		0
With no related allowance recorded, Average Recorded Investment	7,035	8,339
With no related allowance recorded, Interest Income Recognized	85	87
With an allowance recorded, Recorded Investment	4,870		5,251
With an allowance recorded, Unpaid Principal Balance	5,278		5,658
With an allowance recorded, Related Allowance	580		672
With an allowance recorded, Average Recorded Investment	5,055	8,038
With an allowance recorded, Interest Income Recognized	57	79
Total, Recorded Investment	11,480		11,675
Total, Unpaid Principal Balance	12,690		12,858
Total, Related Allowance	580		672
Total, Average Recorded Investment	12,090	16,377
Total, Interest Income Recognized	142	166
Consumer and Other [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
With no related allowance recorded, Recorded Investment	35		3
With no related allowance recorded, Unpaid Principal Balance	35		3
With no related allowance recorded, Related Allowance	0		0
With no related allowance recorded, Average Recorded Investment	37	33
With no related allowance recorded, Interest Income Recognized	1	1
With an allowance recorded, Recorded Investment	488		531
With an allowance recorded, Unpaid Principal Balance	488		529
With an allowance recorded, Related Allowance	212		222
With an allowance recorded, Average Recorded Investment	491	565
With an allowance recorded, Interest Income Recognized	5	6
Total, Recorded Investment	523		534
Total, Unpaid Principal Balance	523		532
Total, Related Allowance	212		222
Total, Average Recorded Investment	528	598
Total, Interest Income Recognized	$6	$7

ALLOWANCE_FOR_LOAN_LOSSES_Deta5

ALLOWANCE FOR LOAN LOSSES (Details 5) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
	Contracts	Contracts
Financing Receivable, Allowance for Credit Losses [Line Items]
Number of Contracts	1	6
Pre-Modification Recorded Principal Balance	$332	$1,525
Post-Modification Recorded Principal Balance	332	1,475
Agriculture and Agricultural Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Number of Contracts	0	1
Pre-Modification Recorded Principal Balance	0	314
Post-Modification Recorded Principal Balance	0	314
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Number of Contracts	0	0
Pre-Modification Recorded Principal Balance	0	0
Post-Modification Recorded Principal Balance	0	0
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Number of Contracts	1	2
Pre-Modification Recorded Principal Balance	332	946
Post-Modification Recorded Principal Balance	332	931
Construction Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Number of Contracts	0	0
Pre-Modification Recorded Principal Balance	0	0
Post-Modification Recorded Principal Balance	0	0
Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Number of Contracts	0	3
Pre-Modification Recorded Principal Balance	0	265
Post-Modification Recorded Principal Balance	0	230
Consumer and Other [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Number of Contracts	0	0
Pre-Modification Recorded Principal Balance	0	0
Post-Modification Recorded Principal Balance	$0	$0

ALLOWANCE_FOR_LOAN_LOSSES_Deta6

ALLOWANCE FOR LOAN LOSSES (Details Textual) (USD $)	3 Months Ended
	Mar. 31, 2015
Financing Receivable, Allowance for Credit Losses [Line Items]
Minimum Aggregate Credit Exposure To Assign Grade	$2,775,000

INVESTMENT_SECURITIES_Details

INVESTMENT SECURITIES (Details) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Dec. 31, 2014
Investment Holdings [Line Items]
Held to Maturity, Amortized Cost	$36,354	$32,613
Held to Maturity, Gross Unrealized Gains	1,443	1,287
Held to Maturity, Gross Unrealized Losses	-48	-69
Securities - Held to Maturity Estimated Market Value	37,749	33,831
Available for Sale, Amortized Cost	491,052	474,898
Available for Sale, Gross Unrealized Gains	4,084	2,277
Available for Sale, Gross Unrealized Losses	-1,586	-3,999
Available For Sale, Estimated Market Value	493,550	473,176
Equity Securities [Member]
Investment Holdings [Line Items]
Available for Sale, Amortized Cost	2,044	2,044
Available for Sale, Gross Unrealized Gains	115	95
Available for Sale, Gross Unrealized Losses	0	0
Available For Sale, Estimated Market Value	2,159	2,139
Obligations of U.S. Government Agencies [Member]
Investment Holdings [Line Items]
Available for Sale, Amortized Cost	351,130	343,703
Available for Sale, Gross Unrealized Gains	2,940	1,372
Available for Sale, Gross Unrealized Losses	-1,056	-3,027
Available For Sale, Estimated Market Value	353,014	342,048
Mortgage Backed Securities issued by U.S. Government Agencies [Member]
Investment Holdings [Line Items]
Available for Sale, Amortized Cost	115,189	105,890
Available for Sale, Gross Unrealized Gains	600	406
Available for Sale, Gross Unrealized Losses	-476	-890
Available For Sale, Estimated Market Value	115,313	105,406
Obligations of States and Political Subdivisions [Member]
Investment Holdings [Line Items]
Held to Maturity, Amortized Cost	35,854	32,113
Held to Maturity, Gross Unrealized Gains	1,443	1,287
Held to Maturity, Gross Unrealized Losses	-48	-69
Securities - Held to Maturity Estimated Market Value	37,249	33,331
Available for Sale, Amortized Cost	20,707	19,286
Available for Sale, Gross Unrealized Gains	410	377
Available for Sale, Gross Unrealized Losses	-54	-82
Available For Sale, Estimated Market Value	21,063	19,581
Corporate Debt Securities [Member]
Investment Holdings [Line Items]
Held to Maturity, Amortized Cost	500	500
Held to Maturity, Gross Unrealized Gains	0	0
Held to Maturity, Gross Unrealized Losses	0	0
Securities - Held to Maturity Estimated Market Value	500	500
Available for Sale, Amortized Cost	1,982	3,975
Available for Sale, Gross Unrealized Gains	19	27
Available for Sale, Gross Unrealized Losses	0	0
Available For Sale, Estimated Market Value	$2,001	$4,002

INVESTMENT_SECURITIES_Details_

INVESTMENT SECURITIES (Details 1) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Investment Holdings [Line Items]
Available for Sale Amortized Cost 1 year or less	$5,784
Available for Sale Amortized Cost After 1 year through five years	138,807
Available for Sale Amortized Cost After 5 years through 10 years	216,248
Available for Sale Amortized Cost After 10 years	12,980
Total	373,819
Available for Sale Securities with no stated maturity Amortized Cost	2,044
Available-for-sale Securities, Debt Maturities, Remainder of Fiscal Year, Amortized Cost Basis	491,052
Available-for-sale Securities, Debt Maturities, Next Rolling 1 year or less, Fair Value	5,806
Available-for-sale Securities, Debt Maturities, Rolling Year One Through Five, Fair Value	138,995
Available-for-sale Securities, Debt Maturities, Rolling Year Five Through Ten, Fair Value	218,213
Available-for-sale Securities, Debt Maturities, Rolling after Year Ten, Fair Value	13,064
Available For Sale Securities Debt Maturities Total	376,078
Available For Sale Securities Debt Maturities Mortgage Backed Securities Fair Value	115,313
Available-for-sale Securities, Debt Maturities, Securities with no stated maturity, Fair Value	2,159
Available-for-sale Securities, Debt Maturities, Remainder of Fiscal Year, Fair Value	493,550
Held To Maturity Securities Debt Maturities Next Rolling Twelve Months Amortized Cost	6,148
Held To Maturity Securities Debt Maturities Next Rolling Year One Through Five Amortized Cost	15,863
Held To Maturity Securities Debt Maturities Next Rolling Year Five Through Ten Amortized Cost	11,478
Held To Maturity Securities Debt Maturities Next Rolling Year After Ten Years Amortized Cost	2,865
Held To Maturity Debt Maturities Amortized Cost Total	36,354
Held To Maturity Securities Mortgage Backed Securities Amortized Cost	0
Held To Maturity Securities Debt Maturities, Securities with no stated maturity Amortized Cost	0
Held To Maturity Securities Amortized Cost Total	36,354	32,613
Held-to-maturity Securities, Debt Maturities, Next Rolling 1 year or less, Fair Value	6,161
Held-to-maturity Securities, Debt Maturities, Rolling Year One Through Five, Fair Value	16,149
Held-to-maturity Securities, Debt Maturities, Rolling Year Five Through Ten, Fair Value	12,142
Held-to-maturity Securities, Debt Maturities, Rolling after Ten Years, Fair Value	3,297
Held To Maturity Debt Maturities Total	37,749
Held-to-maturity Securities, Debt Maturities, Securities with no stated maturity, Fair Value	0
Held-to-maturity Securities, Debt Maturities, Fair Value	37,749	33,831
Mortage Backed Securities [Member]
Investment Holdings [Line Items]
Total	115,189
Held-to-maturity Securities, Debt Maturities, Fair Value	$0

INVESTMENT_SECURITIES_Details_1

INVESTMENT SECURITIES (Details 2) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Dec. 31, 2014
Investment Holdings [Line Items]
Less than 12 months, Aggregate Fair Value	$56,447	$89,792
Less than 12 months, Gross Unrealized Losses	207	371
12 months or longer, Aggregate Fair Value	169,327	204,482
12 months or longer, Gross Unrealized Losses	1,427	3,697
Aggregate Fair Value, Total	225,774	294,274
Gross Unrealized Losses, Total	1,634	4,068
Obligations of U.S. Government Agencies [Member]
Investment Holdings [Line Items]
Less than 12 months, Aggregate Fair Value	34,555	47,695
Less than 12 months, Gross Unrealized Losses	154	144
12 months or longer, Aggregate Fair Value	129,052	159,650
12 months or longer, Gross Unrealized Losses	902	2,883
Aggregate Fair Value, Total	163,607	207,345
Gross Unrealized Losses, Total	1,056	3,027
Mortgage Backed Securities issued by U.S. Government Agencies [Member]
Investment Holdings [Line Items]
Less than 12 months, Aggregate Fair Value	16,150	32,756
Less than 12 months, Gross Unrealized Losses	30	175
12 months or longer, Aggregate Fair Value	34,520	40,556
12 months or longer, Gross Unrealized Losses	446	715
Aggregate Fair Value, Total	50,670	73,312
Gross Unrealized Losses, Total	476	890
Obligations of States and Political Subdivisions [Member]
Investment Holdings [Line Items]
Less than 12 months, Aggregate Fair Value	5,742	9,341
Less than 12 months, Gross Unrealized Losses	23	52
12 months or longer, Aggregate Fair Value	5,755	4,276
12 months or longer, Gross Unrealized Losses	79	99
Aggregate Fair Value, Total	11,497	13,617
Gross Unrealized Losses, Total	$102	$151

FAIR_VALUE_OF_FINANCIAL_INSTRU2

FAIR VALUE OF FINANCIAL INSTRUMENTS (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Financial Assets:
Cash and Due from Banks Carrying Value	$51,557	$52,122	$53,604	$77,798
Securities - Held to Maturity Carrying Value	36,354	32,613
Securities - Available for Sale Carrying Value	493,550	473,176
Federal Home Loan Bank Stock Carrying Value	7,537	7,537
Loans Held for Sale Carrying value	662	548
Loans, net Carrying Value	605,532	597,124
Accrued Interest Receivable Carrying Value	4,336	3,943
Cash and due from banks Estimated Fair Value	51,557	52,122
Securities - Held to Maturity Estimated Fair Value	37,749	33,831
Securities - Available for Sale Estimated Fair Value	493,550	473,176
Federal Home Loan Bank Stock Estimated Fair Value	7,537	7,537
Loans Held for Sale Estimated Fair Value	700	560
Loans, net Estimated Fair Value	616,027	608,109
Accrued Interest Receivable Estimated Fair Value	4,336	3,943
Financial Liabilities:
Noninterest Bearing Deposits Carrying Value	235,743	218,221
Interest Bearings Deposits Carrying Value	899,569	893,590
Repurchase Agreements Carrying Value	15,000	15,000
Accrued Interest Payable Carrying Value	133	137
Noninterest Bearing Deposits Estimated Fair Value	235,743	218,221
Interest Bearings Deposits Estimated Fair Value	901,519	895,522
Repurchase Agreements Estimated Fair Value	15,709	15,828
Accrued Interest Payable Estimated Fair Value	133	137
Fair Value, Inputs, Level 1 [Member]
Financial Assets:
Cash and due from banks Estimated Fair Value	51,557	52,122
Federal Home Loan Bank Stock Estimated Fair Value	0	0
Loans Held for Sale Estimated Fair Value	0	0
Loans, net Estimated Fair Value	0	0
Accrued Interest Receivable Estimated Fair Value	0	0
Financial Liabilities:
Noninterest Bearing Deposits Estimated Fair Value	235,743	218,221
Interest Bearings Deposits Estimated Fair Value	0	0
Repurchase Agreements Estimated Fair Value	0	0
Accrued Interest Payable Estimated Fair Value	0	0
Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Cash and due from banks Estimated Fair Value	0	0
Federal Home Loan Bank Stock Estimated Fair Value	7,537	7,537
Loans Held for Sale Estimated Fair Value	0	0
Loans, net Estimated Fair Value	0	0
Accrued Interest Receivable Estimated Fair Value	0	0
Financial Liabilities:
Noninterest Bearing Deposits Estimated Fair Value	0	0
Interest Bearings Deposits Estimated Fair Value	901,519	895,522
Repurchase Agreements Estimated Fair Value	15,709	15,828
Accrued Interest Payable Estimated Fair Value	0	0
Fair Value, Inputs, Level 3 [Member]
Financial Assets:
Cash and due from banks Estimated Fair Value	0	0
Federal Home Loan Bank Stock Estimated Fair Value	0	0
Loans Held for Sale Estimated Fair Value	700	560
Loans, net Estimated Fair Value	616,027	608,109
Accrued Interest Receivable Estimated Fair Value	4,336	3,943
Financial Liabilities:
Noninterest Bearing Deposits Estimated Fair Value	0	0
Interest Bearings Deposits Estimated Fair Value	0	0
Repurchase Agreements Estimated Fair Value	0	0
Accrued Interest Payable Estimated Fair Value	133	137
Obligations Of States and Political Subdivisions [Member]
Financial Assets:
Securities - Held to Maturity Carrying Value	35,854	32,113
Securities - Available for Sale Carrying Value	21,063	19,581
Securities - Held to Maturity Estimated Fair Value	37,249	33,331
Securities - Available for Sale Estimated Fair Value	21,063	19,581
Obligations Of States and Political Subdivisions [Member] | Fair Value, Inputs, Level 1 [Member]
Financial Assets:
Securities - Available for Sale Carrying Value	0	0
Securities - Held to Maturity Estimated Fair Value	0	0
Securities - Available for Sale Estimated Fair Value	0	0
Obligations Of States and Political Subdivisions [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Securities - Available for Sale Carrying Value	21,063	19,581
Securities - Held to Maturity Estimated Fair Value	37,249	33,331
Securities - Available for Sale Estimated Fair Value	21,063	19,581
Obligations Of States and Political Subdivisions [Member] | Fair Value, Inputs, Level 3 [Member]
Financial Assets:
Securities - Available for Sale Carrying Value	0	0
Securities - Held to Maturity Estimated Fair Value	0	0
Securities - Available for Sale Estimated Fair Value	0	0
Corporate Debt Securities [Member]
Financial Assets:
Securities - Held to Maturity Carrying Value	500	500
Securities - Available for Sale Carrying Value	2,001	4,002
Securities - Held to Maturity Estimated Fair Value	500	500
Securities - Available for Sale Estimated Fair Value	2,001	4,002
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Financial Assets:
Securities - Available for Sale Carrying Value	0	0
Securities - Held to Maturity Estimated Fair Value	0	0
Securities - Available for Sale Estimated Fair Value	0	0
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Securities - Available for Sale Carrying Value	2,001	4,002
Securities - Held to Maturity Estimated Fair Value	500	500
Securities - Available for Sale Estimated Fair Value	2,001	4,002
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Financial Assets:
Securities - Available for Sale Carrying Value	0	0
Securities - Held to Maturity Estimated Fair Value	0	0
Securities - Available for Sale Estimated Fair Value	0	0
Other Securities [Member]
Financial Assets:
Securities - Available for Sale Carrying Value	2,159	2,139
Securities - Available for Sale Estimated Fair Value	2,159	2,139
Other Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Financial Assets:
Securities - Available for Sale Carrying Value	2,159	2,139
Securities - Available for Sale Estimated Fair Value	2,159	2,139
Other Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Securities - Available for Sale Carrying Value	0	0
Securities - Available for Sale Estimated Fair Value	0	0
Other Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Financial Assets:
Securities - Available for Sale Carrying Value	0	0
Securities - Available for Sale Estimated Fair Value	0	0
Obligations Of U.S. Government Agencies [Member]
Financial Assets:
Securities - Available for Sale Carrying Value	353,014	342,048
Securities - Available for Sale Estimated Fair Value	353,014	342,048
Obligations Of U.S. Government Agencies [Member] | Fair Value, Inputs, Level 1 [Member]
Financial Assets:
Securities - Available for Sale Carrying Value	0	0
Securities - Available for Sale Estimated Fair Value	0	0
Obligations Of U.S. Government Agencies [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Securities - Available for Sale Carrying Value	353,014	342,048
Securities - Available for Sale Estimated Fair Value	353,014	342,048
Obligations Of U.S. Government Agencies [Member] | Fair Value, Inputs, Level 3 [Member]
Financial Assets:
Securities - Available for Sale Carrying Value	0	0
Securities - Available for Sale Estimated Fair Value	0	0
Mortgage Backed Securities Issued By U.S. Government Agencies [Member]
Financial Assets:
Securities - Available for Sale Carrying Value	115,313	105,406
Securities - Available for Sale Estimated Fair Value	115,313	105,406
Mortgage Backed Securities Issued By U.S. Government Agencies [Member] | Fair Value, Inputs, Level 1 [Member]
Financial Assets:
Securities - Available for Sale Carrying Value	0	0
Securities - Available for Sale Estimated Fair Value	0	0
Mortgage Backed Securities Issued By U.S. Government Agencies [Member] | Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Securities - Available for Sale Carrying Value	115,313	105,406
Securities - Available for Sale Estimated Fair Value	115,313	105,406
Mortgage Backed Securities Issued By U.S. Government Agencies [Member] | Fair Value, Inputs, Level 3 [Member]
Financial Assets:
Securities - Available for Sale Carrying Value	0	0
Securities - Available for Sale Estimated Fair Value	$0	$0

FAIR_VALUE_OF_FINANCIAL_INSTRU3

FAIR VALUE OF FINANCIAL INSTRUMENTS (Details 1) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Balance at January 1	$0	$5,751
Total realized and unrealized losses included in income	0	-4
Total unrealized gains included in other comprehensive income	0	-33
Net purchases, sales, calls and maturities	0	0
Net transfers in/out of Level 3	0	0
Balance at March 31	$0	$5,714

FAIR_VALUE_OF_FINANCIAL_INSTRU4

FAIR VALUE OF FINANCIAL INSTRUMENTS (Details 2) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Impaired loans [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets, Fair Value Disclosure, Nonrecurring	$34,392	$35,670
Other Real Estate Owned [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets, Fair Value Disclosure, Nonrecurring	4,888	5,615
Fair Value, Inputs, Level 1 [Member] | Impaired loans [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets, Fair Value Disclosure, Nonrecurring	0	0
Fair Value, Inputs, Level 1 [Member] | Other Real Estate Owned [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets, Fair Value Disclosure, Nonrecurring	0	0
Fair Value, Inputs, Level 2 [Member] | Impaired loans [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets, Fair Value Disclosure, Nonrecurring	0	0
Fair Value, Inputs, Level 2 [Member] | Other Real Estate Owned [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets, Fair Value Disclosure, Nonrecurring	0	0
Fair Value, Inputs, Level 3 [Member] | Impaired loans [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets, Fair Value Disclosure, Nonrecurring	31,150	32,015
Fair Value, Inputs, Level 3 [Member] | Other Real Estate Owned [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets, Fair Value Disclosure, Nonrecurring	$4,888	$5,615

FINANCIAL_INSTRUMENTS_WITH_OFF2

FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Commitments to extend credit:
All other off-balance sheet commitments	$0	$0
Standby Letters of Credit [Member]
Commitments to extend credit:
Standby letters of credit and financial guarantees written	3,163	3,178
Commercial Line Of Credit [Member]
Commitments to extend credit:
Unused portion	62,024	66,319
Credit Card Line Of Credit [Member]
Commitments to extend credit:
Unused portion	3,894	3,630
Home Equity Lines Of Credit [Member]
Commitments to extend credit:
Unused portion	$20,088	$19,544