Oak Valley Bancorp (OVLY) 10-Q 14 May 15 2015 Q1 Quarterly report Financial data

Document_And_Entity_Informatio

Document And Entity Information	3 Months Ended
	Mar. 31, 2015	Apr. 30, 2015
Document and Entity Information [Abstract]
Entity Registrant Name	Oak Valley Bancorp
Document Type	10-Q
Current Fiscal Year End Date	-19
Entity Common Stock, Shares Outstanding		8,075,355
Amendment Flag	FALSE
Entity Central Index Key	1431567
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Filer Category	Smaller Reporting Company
Entity Well-known Seasoned Issuer	No
Document Period End Date	31-Mar-15
Document Fiscal Year Focus	2015
Document Fiscal Period Focus	Q1

Condensed_Consolidated_Balance

Condensed Consolidated Balance Sheets (Current Period Unaudited) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
ASSETS
Cash and due from banks	$130,638	$132,078
Federal funds sold	19,060	12,210
Cash and cash equivalents	149,698	144,288
Securities available for sale	121,188	121,277
Loans, net of allowance for loan loss of $7,409 and $7,534 at March 31, 2015 and December 31, 2014, respectively	445,316	446,492
Bank premises and equipment, net	13,894	14,066
Other real estate owned	834	884
Interest receivable and other assets	22,622	22,658
	753,552	749,665
LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits	672,991	669,581
Interest payable and other liabilities	4,745	5,043
Total liabilities	677,736	674,624
Commitments and contingencies
Shareholders’ equity
Preferred stock, 10,000,000 shares authorized, no shares issued and outstanding at March 31, 2015 and December 31, 2014	0	0
Common stock, no par value; 50,000,000 shares authorized, 8,075,355 and 8,074,855 shares issued and outstanding at March 31, 2015 and December 31, 2014, respectively	24,682	24,682
Additional paid-in capital	2,972	2,910
Retained earnings	46,300	45,582
Accumulated other comprehensive income, net of tax	1,862	1,867
Total shareholders’ equity	75,816	75,041
	$753,552	$749,665

Condensed_Consolidated_Balance1

Condensed Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, except Per Share data, unless otherwise specified
Net of allowance for loan loss (in Dollars)	$7,409	$7,534
Preferred stock, shares authorized	10,000,000	10,000,000
Preferred stock, shares issued	0	0
Preferred stock, shares outstanding	0	0
Common stock, par value (in Dollars per share)	$0	$0
Common stock, shares authorized	50,000,000	50,000,000
Common stock, shares issued	8,075,355	8,074,855
Common stock, shares outstanding	8,075,355	8,074,855

Condensed_Consolidated_Stateme

Condensed Consolidated Statements of Income (Unaudited) (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	$5,403	$5,305
Interest on securities available for sale	875	916
Interest on federal funds sold	7	13
Interest on deposits with banks	67	43
Total interest income	6,352	6,277
INTEREST EXPENSE
Deposits	151	173
Total interest expense	151	173
Net interest income	6,201	6,104
(Reversal of) provision for loan losses	-125	0
Net interest income after (reversal of) provision for loan losses	6,326	6,104
OTHER INCOME
Service charges on deposits	312	309
Earnings on cash surrender value of life insurance	108	101
Mortgage commissions	45	30
Net gain on sales and calls of securities	109	8
Other	453	362
Total non-interest income	1,027	810
OTHER EXPENSES
Salaries and employee benefits	2,983	2,714
Occupancy expenses	747	745
Data processing fees	353	326
Regulatory assessments (FDIC & DBO)	114	120
Other operating expenses	902	976
Total non-interest expense	5,099	4,881
Net income before provision for income taxes	2,254	2,033
PROVISION FOR INCOME TAXES	728	625
NET INCOME	$1,526	$1,408
NET INCOME PER COMMON SHARE (in Dollars per share)	$0.19	$0.18
NET INCOME PER DILUTED COMMON SHARE (in Dollars per share)	$0.19	$0.18

Condensed_Consolidated_Stateme1

Condensed Consolidated Statements of Comprehensive Income [Unaudited] (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Net income	$1,526	$1,408
Available for sale securities:
Unrealized holding gains on securities arising during the current period, net of tax effect of $41 thousand and $615 thousand for the periods March 31, 2015 and 2014, respectively	59	880
Reclassification adjustment due to net gains realized on sales and calls of securities, net of tax effect of $45 thousand and $3 thousand for March 31, 2015 and 2014, respectively	-64	-5
Other comprehensive (loss) income	-5	875
Comprehensive income	$1,521	$2,283

Condensed_Consolidated_Stateme2

Condensed Consolidated Statements of Comprehensive Income [Unaudited] (Parentheticals) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Tax effect of unrealized holding (losses) gains on securities arising during the current period	$41	$615
Tax effect of reclassification adjustment due to net gains realized on calls of securities	$45	$3

Condensed_Consolidated_Stateme3

Condensed Consolidated Statements of Changes in Shareholders' Equity [Unaudited] (USD $)	Common Stock [Member]	Preferred Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Total
In Thousands, except Share data
Balances at Dec. 31, 2013	$23,758	$0	$2,537	$38,985	($763)	$64,517
Balances (in Shares) at Dec. 31, 2013	7,929,730	0
Stock options exercised	924					924
Stock options exercised (in Shares)	122,625
Tax benefit on stock based compensation			102			102
Restricted stock issued (in Shares)	24,500
Restricted stock cancelled (in Shares)	-2,000
Common stock dividend declared				-525		-525
Stock based compensation			271			271
Other comprehensive income (loss)					2,630	2,630
Net income				7,122		7,122
Balances at Dec. 31, 2014	24,682	0	2,910	45,582	1,867	75,041
Balances (in Shares) at Dec. 31, 2014	8,074,855	0
Restricted stock issued (in Shares)	500
Common stock dividend declared				-808		-808
Stock based compensation			62			62
Other comprehensive income (loss)					-5	-5
Net income				1,526		1,526
Balances at Mar. 31, 2015	$24,682	$0	$2,972	$46,300	$1,862	$75,816
Balances (in Shares) at Mar. 31, 2015	8,075,355	0

Condensed_Consolidated_Stateme4

Condensed Consolidated Statements of Cash Flows (Unaudited) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$1,526	$1,408
Adjustments to reconcile net earnings to net cash from operating activities:
(Reversal of) provision for loan losses	-125	0
Decrease in deferred fees/costs, net	-4	-154
Depreciation	296	304
Amortization of investment securities, net	40	46
Stock based compensation	62	84
Excess tax benefits from stock-based payment arrangements	0	-49
Gain on sale of premises and equipment	-5	0
OREO write downs	50	0
Gain on sales and calls of available for sale securities	-109	-8
Earnings on cash surrender value of life insurance	-108	-101
Decrease in interest payable and other liabilities	-298	-138
Decrease in interest receivable	181	213
(Increase) decrease in other assets	-33	457
Net cash from operating activities	1,473	2,062
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchases of available for sale securities	-8,948	-5,065
Proceeds from maturities, calls, and principal paydowns of securities available for sale	9,097	4,662
Net decrease (increase) in loans	1,305	-3,116
Purchase of BOLI policies	0	-1,029
Proceeds from sales of premises and equipment	5	0
Net purchases of premises and equipment	-124	-560
Net cash from (used in) investing activities	1,335	-5,108
CASH FLOWS FROM FINANCING ACTIVITIES:
Shareholder cash dividends paid	-808	-793
Net increase in demand deposits and savings accounts	3,792	14,812
Net decrease in time deposits	-382	-1,449
Excess tax benefits from stock-based payment arrangements	0	49
Proceeds from sale of common stock and exercise of stock options	0	890
Net cash from financing activities	2,602	13,509
NET INCREASE IN CASH AND CASH EQUIVALENTS	5,410	10,463
CASH AND CASH EQUIVALENTS, beginning of period	144,288	105,191
CASH AND CASH EQUIVALENTS, end of period	149,698	115,654
Cash paid during the period for:
Interest	160	189
Income taxes	890	845
NON-CASH INVESTING ACTIVITIES:
Change in unrealized (loss) gain on available-for-sale securities	($9)	$1,487

Note_1_Basis_of_Presentation

Note 1 - Basis of Presentation	3 Months Ended
	Mar. 31, 2015
Disclosure Text Block [Abstract]
Basis of Accounting [Text Block]	NOTE 1 – BASIS OF PRESENTATION
	On July 3, 2008 (the “Effective Date”), a bank holding company reorganization was completed whereby Oak Valley Bancorp (“Bancorp”) became the parent holding company for Oak Valley Community Bank ( the “Bank”).  On the Effective Date, a tax-free exchange was completed whereby each outstanding share of the Company was converted into one share of Bancorp and the Company became the sole wholly-owned subsidiary of the holding company.
	The consolidated financial statements include the accounts of Bancorp and its wholly-owned bank subsidiary. All material intercompany transactions have been eliminated. In the opinion of Management, the consolidated financial statements contain all adjustments necessary to present fairly the financial position, results of operations, changes in shareholders’ equity and cash flows.  All adjustments are of a normal, recurring nature.
	Oak Valley Community Bank is a California State chartered bank. The Company was incorporated under the laws of the state of California on May 31, 1990, and began operations in Oakdale on May 28, 1991. The Company operates branches in Oakdale, Sonora, Bridgeport, Bishop, Mammoth Lakes, Modesto, Manteca, Patterson, Turlock, Ripon, Stockton, Tracy and Escalon, California. The Bridgeport, Mammoth Lakes, and Bishop branches operate as a separate division, Eastern Sierra Community Bank. The Company’s primary source of revenue is providing loans to customers who are predominantly middle-market businesses.
	The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions. These estimates and assumptions affect the reported amounts of assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Significant accounting estimates reflected in the Company’s consolidated financial statements include the allowance for loan losses, determination of non-accrual loans, other-than-temporary impairment of investment securities, the fair value measurements, deferred compensation plans, and the determination, recognition and measurement of impaired loans. Actual results could differ from these estimates.
	The interim consolidated financial statements included in this report are unaudited but reflect all adjustments which, in the opinion of management, are necessary for a fair presentation of the financial position and results of operations for the interim periods presented. All such adjustments are of a normal recurring nature. The results of operations for the three month period ended March 31, 2015 are not necessarily indicative of the results of a full year’s operations. Certain prior year amounts have been reclassified to conform to the current year presentation. There was no effect on net income or shareholders’ equity as a result of reclassifications. For further information, refer to the audited consolidated financial statements and footnotes included in the Company’s Form 10-K for the year ended December 31, 2014.

Note_2_Recent_Accounting_Prono

Note 2 - Recent Accounting Pronouncements	3 Months Ended
	Mar. 31, 2015
New Accounting Pronouncements and Changes in Accounting Principles [Abstract]
New Accounting Pronouncements and Changes in Accounting Principles [Text Block]	NOTE 2 – RECENT ACCOUNTING PRONOUNCEMENTS
	In January 2014, the FASB issued ASU No. 2014 – 01, Investments – Equity Method and Joint Ventures (Topic 323), Accounting for Investments in Qualified Affordable Housing Projects. This Update provides guidance on accounting for investments by a reporting entity in flow-through limited liability entities that manage or invest in affordable housing projects that qualify for the low-income housing tax credit. The amendments in this Update permit reporting entities to make an accounting policy election to account for their investments in qualified affordable housing projects using the proportional amortization method if certain conditions are met. Under the proportional amortization method, an entity amortizes the initial cost of the investment in proportion to the tax credits and other tax benefits received and recognizes the net investment performance in the income statement as a component of income tax expense (benefit). The amendments in this Update are effective for public business entities for annual periods and interim reporting periods within those annual periods, beginning after December 15, 2014. The adoption of ASU No. 2014-01 did not have a material impact on the Company's consolidated financial statements.
	In January 2014, the FASB issued ASU No. 2014 – 04, Receivables – Troubled Debt Restructurings by Creditors. This ASU provides clarification that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. The amendments in this ASU are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. The adoption of ASU No. 2014-04 did not have a material impact on the Company's consolidated financial statements.
	In August 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2014-14 Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40), Classification of Certain Government-Guaranteed Mortgage Loans upon Foreclosure. This update addresses classification of government-guaranteed mortgage loans, including those where guarantees are offered by the Federal Housing Administration (“FHA”), the U.S. Department of Housing and Urban Development (“HUD”), and the U.S. Department of Veterans Affairs (“VA”). Although current accounting guidance stipulates proper measurement and classification in situations where a creditor obtains from a debtor, assets in satisfaction of a receivable (such as through foreclosure), current guidance does not specify how to measure and classify foreclosed mortgage loans that are government-guaranteed. Under the provisions of this update, a creditor would derecognize a mortgage loan that has been foreclosed upon, and recognize a separate receivable if the following conditions are met: (1) the loan has a government guarantee that is not separable from the loan before foreclosure, (2) At the time of foreclosure, the creditor has the intent to convey the real estate property to the guarantor and make a claim on the guarantee, and the creditor has the ability to recover under that claim, (3) At the time of foreclosure, any amount of the claim that is determined on the basis of the fair value of the real estate is fixed. The amendments within this update are effective for annual and interim periods beginning after December 15, 2014. The adoption of ASU No. 2014-14 did not have a material impact on the Company's consolidated financial statements.

Note_3_Securities

Note 3 - 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]	NOTE 3 – SECURITIES
	The amortized cost and estimated fair values of investment securities as of March 31, 2015 are as follows:
	(dollars in thousands)	Amortized Cost		Gross Unrealized Gains			Gross Unrealized Losses			Fair Value
	Available-for-sale securities:
	U.S. agencies	$	37,173	$	1,562		$	(68	)	$	38,667
	Collateralized mortgage obligations		5,611		96			(23	)		5,684
	Municipalities		54,251		1,899			(249	)		55,901
	SBA pools		883		0			(3	)		880
	Corporate debt		8,733		72			(1	)		8,804
	Asset backed securities		8,272		27			(52	)		8,247
	Mutual fund		3,100		0			(95	)		3,005
		$	118,023	$	3,656		$	(491	)	$	121,188
	The following tables detail the gross unrealized losses and fair values aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at March 31, 2015.
	(dollars in thousands)	Less than 12 months					12 months or more						Total
	Description of Securities	Fair		Unrealized			Fair			Unrealized			Fair		Unrealized
		Value		Loss			Value			Loss			Value		Loss
	U.S. agencies	$	1,415	$	(13	)	$	4,839		$	(55	)	$	6,254	$	(68	)
	Collateralized mortgage obligations		0		0			1,413			(23	)		1,413		(23	)
	Municipalities		12,863		(169	)		3,287			(80	)		16,150		(249	)
	SBA pools		0		0			880			(3	)		880		(3	)
	Corporate debt		750		(1	)		0			0			750		(1	)
	Asset backed securities		1,979		(21	)		2,847			(31	)		4,826		(52	)
	Mutual fund		0		0			3,005			(95	)		3,005		(95	)
	Total temporarily impaired securities	$	17,007	$	(204	)	$	16,271		$	(287	)	$	33,278	$	(491	)
	At March 31, 2015, there were three U.S. agencies, five municipalities, two SBA pools, one collateralized mortgage obligation, two asset backed securities and one mutual fund that comprised the total securities in an unrealized loss position for greater than 12 months and one U.S. agency, eleven municipalities, one corporate debt, and one asset backed security that make up the total securities in a loss position for less than 12 months. Management periodically evaluates each available-for-sale investment security in an unrealized loss position to determine if the impairment is temporary or other than temporary. This evaluation encompasses various factors including, the nature of the investment, the cause of the impairment, the severity and duration of the impairment, credit ratings and other credit related factors such as third party guarantees and volatility of the security’s fair value. Management has determined that no investment security is other than temporarily impaired. The unrealized losses are due primarily to interest rate changes and the Company does not intend to sell the securities and it is not likely that we will be required to sell the securities before the earlier of the forecasted recovery or the maturity of the underlying investment security.
	The amortized cost and estimated fair value of investment securities at March 31, 2015, by contractual maturity or call date, are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.
	(dollars in thousands)	Amortized		Fair
		Cost		Value
	Available-for-sale securities:
	Due in one year or less	$	11,222	$	11,611
	Due after one year through five years		28,557		30,098
	Due after five years through ten years		41,072		41,417
	Due after ten years		37,172		38,062
		$	118,023	$	121,188
	The amortized cost and estimated fair values of investment securities as of December 31, 2014, are as follows:
	(dollars in thousands)	Amortized Cost		Gross Unrealized Gains			Gross Unrealized Losses			Fair Value
	Available-for-sale securities:
	U.S. agencies	$	40,316	$	1,760		$	(146	)	$	41,930
	Collateralized mortgage obligations		6,927		184			(39	)		7,072
	Municipalities		49,396		1,713			(212	)		50,897
	SBA pools		895		0			(3	)		892
	Corporate debt		6,726		95			(17	)		6,804
	Asset backed securities		10,766		50			(106	)		10,710
	Mutual fund		3,077		0			(105	)		2,972
		$	118,103	$	3,802		$	(628	)	$	121,277
	The following tables detail the gross unrealized losses and fair values aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at December 31, 2014.
	(dollars in thousands)	Less than 12 months					12 months or more						Total
	Description of Securities	Fair		Unrealized			Fair			Unrealized			Fair		Unrealized
		Value		Loss			Value			Loss			Value		Loss
	U.S. agencies	$	0	$	0		$	8,446		$	(146	)	$	8,446	$	(146	)
	Collateralized mortgage obligations		0		0			1,445			(39	)		1,445		(39	)
	Municipalities		3,530		(22	)		12,791			(190	)		16,321		(212	)
	SBA pools		0		0			892			(3	)		892		(3	)
	Corporate debt		1,983		(17	)		0			0			1,983		(17	)
	Asset backed securities		3,798		(79	)		971			(27	)		4,769		(106	)
	Mutual fund		0		0			2,972			(105	)		2,972		(105	)
	Total temporarily impaired securities	$	9,311	$	(118	)	$	27,517		$	(510	)	$	36,828	$	(628	)
	We recognized a gain of $128,000 for the three month period ended March 31, 2015, on certain available-for-sale securities that were called, which compares to $8,000 in the same period of 2014. There were two available-for-sale securities sold during the first three months of 2015 which resulted in a net loss of $19,000, compared to no sales of securities resulting in losses during the first three months of 2014.
	Securities carried at $57,182,000 and $60,474,000 at March 31, 2015 and December 31, 2014, respectively, were pledged to secure deposits of public funds.

Note_4_Loans

Note 4 - Loans	3 Months Ended
	Mar. 31, 2015
Receivables [Abstract]
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	NOTE 4 – LOANS
	Our customers are primarily located in Stanislaus, San Joaquin, Tuolumne, Inyo, and Mono Counties. As of March 31, 2015, approximately 81% of the Company’s loans are commercial real estate loans which include construction loans. Approximately 11% of the Company’s loans are for general commercial uses including professional, retail, and small business. Additionally, 6% of the Company’s loans are for residential real estate and other consumer loans. The remaining 2% are agriculture loans. Loan totals were as follows:
	(in thousands)	31-Mar-15			31-Dec-14
	Commercial real estate:
	Commercial real estate- construction	$	16,328		$	9,181
	Commercial real estate- mortgages		316,807			315,506
	Land		9,053			10,620
	Farmland		25,368			23,091
	Commercial and industrial		50,828			54,051
	Consumer		857			805
	Consumer residential		24,493			25,464
	Agriculture		9,431			15,753
	Total loans		453,165			454,471
	Less:
	Deferred loan fees and costs, net		(440	)		(445	)
	Allowance for loan losses		(7,409	)		(7,534	)
	Net loans	$	445,316		$	446,492
	Loan Origination/Risk Management. The Company has certain lending policies and procedures in place that are designed to maximize loan income within an acceptable level of risk. Management reviews and approves these policies and procedures on a regular basis. A reporting system supplements the review process by providing management with frequent reports related to loan production, loan quality, concentration of credit, loan delinquencies and non-performing and potential problem loans. Diversification in the loan portfolio is a means of managing risk associated with fluctuations in economic conditions.
	Commercial and industrial loans are underwritten after evaluating and understanding the borrower’s ability to operate profitably and prudently expand its business. Underwriting standards are designed to promote relationship banking rather than transactional banking. Once it is determined that the borrower’s management possesses sound ethics and solid business acumen, our management examines current and projected cash flows to determine the ability of the borrower to repay their obligations as agreed. Commercial and industrial loans are primarily made based on the identified cash flows of the borrower and secondarily on the underlying collateral provided by the borrower. The cash flows of borrowers, however, may not be as expected and the collateral securing these loans may fluctuate in value. Most commercial and industrial loans are secured by the assets being financed or other business assets such as accounts receivable or inventory and may incorporate a personal guarantee; however, some short-term loans may be made on an unsecured basis. In the case of loans secured by accounts receivable, the availability of funds for the repayment of these loans may be substantially dependent on the ability of the borrower to collect amounts due from its customers.
	Commercial real estate loans are subject to underwriting standards and processes similar to commercial and industrial loans, in addition to those of real estate loans. These loans are viewed primarily as cash flow loans and secondarily as loans secured by real estate. Commercial real estate lending typically involves higher loan principal amounts and the repayment of these loans is generally largely dependent on the successful operation of the property securing the loan or the business conducted on the property securing the loan. Commercial real estate loans may be more adversely affected by conditions in the real estate markets or in the general economy. The properties securing the Company’s commercial real estate portfolio are diverse in terms of type and geographic location. This diversity helps reduce the Company’s exposure to adverse economic events that affect any single market or industry. Management monitors and evaluates commercial real estate loans based on collateral, geography and risk grade criteria. As a general rule, the Company avoids financing single-purpose projects unless other underwriting factors are present to help mitigate risk. The Company also utilizes third-party experts to provide insight and guidance about economic conditions and trends affecting market areas it serves. In addition, management tracks the level of owner-occupied commercial real estate loans versus non-owner occupied loans. At March 31, 2015, commercial real estate loans equal to approximately 37.8% of the outstanding principal balance of our commercial real estate loans were secured by owner-occupied properties.
	With respect to loans to developers and builders that are secured by non-owner occupied properties that the Company may originate from time to time, the Company generally requires the borrower to have had an existing relationship with the Company and have a proven record of success. Construction loans are underwritten utilizing feasibility studies, independent appraisal reviews, sensitivity analysis of absorption and lease rates and financial analysis of the developers and property owners. Construction loans are generally based upon estimates of costs and value associated with the complete project. These estimates may be inaccurate. Construction loans often involve the disbursement of substantial funds with repayment substantially dependent on the success of the ultimate project. Sources of repayment for these types of loans may be pre-committed permanent loans from approved long-term lenders, sales of developed property or an interim loan commitment from the Company until permanent financing is obtained. These loans are closely monitored by on-site inspections and are considered to have higher risks than other real estate loans due to their ultimate repayment being sensitive to interest rate changes, governmental regulation of real property, general economic conditions and the availability of long-term financing.
	Agricultural production, real estate and development lending is susceptible to credit risks including adverse weather conditions, pest and disease, as well as market price fluctuations and foreign competition. Agricultural loan underwriting standards are maintained by following Company policies and procedures in place to minimize risk in this lending segment. These standards consist of limiting credit to experienced farmers who have demonstrated farm management capabilities, requiring cash flow projections displaying margins sufficient for repayment from normal farm operations along with equity injected as required by policy, as well as providing adequate secondary repayment and sponsorship including satisfactory collateral support. Credit enhancement obtained through government guarantee programs may also be used to provide further support as available.
	The Company originates consumer loans utilizing common underwriting criteria specified in policy. To monitor and manage consumer loan risk, policies and procedures are developed and modified, as needed, jointly by line and staff personnel. This activity, coupled with relatively small loan amounts that are spread across many individual borrowers, minimizes risk. Additionally, trend and outlook reports are reviewed by management on a regular basis. Underwriting standards for 1-4 family, home equity lines and loans follow bank policy, which include, but are not limited to, a maximum loan-to-value percentage of 80%, a maximum housing and total debt ratio of 36% and 42%, respectively and other specified credit and documentation requirements.
	The Company maintains an independent loan review department that reviews and validates the credit risk program on a periodic basis. Results of these reviews are presented to management. The loan review process complements and reinforces the risk identification and assessment decisions made by lenders and credit personnel, as well as the Bank’s policies and procedures.
	Non-Accrual and Past Due Loans. Loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. Loans are placed on non-accrual status when, in management’s opinion, the borrower may be unable to meet payment obligations as they become due, as well as when required by regulatory provisions. Loans may be placed on non-accrual status regardless of whether or not such loans are considered past due. When interest accrual is discontinued, all unpaid accrued interest is reversed. Interest income is subsequently recognized only to the extent cash payments are received in excess of principal due. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.
	Non-accrual loans, segregated by class of loans, were as follows:
	(in thousands)	31-Mar-15			31-Dec-14
	Commercial real estate:
	Commercial real estate- construction	$	0		$	0
	Commercial real estate- mortgages		0			1,296
	Land		2,983			2,995
	Farmland		67			72
	Commercial and industrial		1,362			337
	Consumer		0			0
	Consumer residential		0			0
	Agriculture		0			0
	Total non-accrual loans	$	4,412		$	4,700
	Had non-accrual loans performed in accordance with their original contract terms, we would have recognized additional interest income of approximately $82,000 in the three month period ended March 31, 2015, as compared to $130,000 in the same period of 2014.
	The following table analyzes past due loans including the non-accrual loans in the above table, segregated by class of loans, as of March 31, 2015 (in thousands):
	31-Mar-15	30-59 Days Past Due			60-89 Days Past Due			Greater Than 90 Days Past Due			Total Past Due			Current			Total			Greater Than 90 Days Past Due and Still Accruing
	Commercial real estate:
	Commercial R.E. - construction	$	0		$	0		$	0		$	0		$	16,328		$	16,328		$	0
	Commercial R.E. - mortgages		34			0			0			34			316,773			316,807			0
	Land		0			500			2,483			2,983			6,070			9,053			0
	Farmland		0			0			67			67			25,301			25,368			0
	Commercial and industrial		0			0			1,362			1,362			49,466			50,828			0
	Consumer		38			0			0			38			819			857			0
	Consumer residential		0			0			0			0			24,493			24,493			0
	Agriculture		0			0			0			0			9,431			9,431			0
	Total	$	72		$	500		$	3,912		$	4,484		$	448,681		$	453,165		$	0
	The following table analyzes past due loans including the non-accrual loans in the above table, segregated by class of loans, as of December 31, 2014 (in thousands):
	31-Dec-14	30-59 Days Past Due			60-89 Days Past Due			Greater Than 90 Days Past Due			Total Past Due			Current			Total			Greater Than 90 Days Past Due and Still Accruing
	Commercial real estate:
	Commercial R.E. - construction	$	0		$	0		$	0		$	0		$	9,181		$	9,181		$	0
	Commercial R.E. - mortgages		35			1,296			0			1,331			314,175			315,506			0
	Land		0			0			2,493			2,493			8,127			10,620			0
	Farmland		0			0			72			72			23,019			23,091			0
	Commercial and industrial		14			0			323			337			53,714			54,051			0
	Consumer		0			0			0			0			805			805			0
	Consumer residential		0			0			0			0			25,464			25,464			0
	Agriculture		0			0			0			0			15,753			15,753			0
	Total	$	49		$	1,296		$	2,888		$	4,233		$	450,238		$	454,471		$	0
	Impaired Loans. Loans are considered impaired when, based on current information and events, it is probable the Company will be unable to collect all amounts due in accordance with the original contractual terms of the loan agreement, including scheduled principal and interest payments. Impairment is evaluated in total for smaller-balance loans of a similar nature and on an individual loan basis for other loans. If a loan is impaired, a specific valuation allowance is allocated, if necessary, so that the loan is reported net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment is expected solely from the collateral. Interest payments on impaired loans are typically applied to principal unless collectability of the principal amount is reasonably assured, in which case interest is recognized on a cash basis. There was no interest income realized on impaired loans for the three months ended March 31, 2015 and 2014. Average recorded investment in impaired loans was $4.6 million for the three months ended March 31, 2015, as compared to $3.0 million for the same period of 2014. Impaired loans, or portions thereof, are charged off when deemed uncollectible.
	Impaired loans as of March 31, 2015 and December 31, 2014 are set forth in the following table.
(in thousands)	Unpaid Contractual Principal Balance			Recorded Investment With No Allowance			Recorded Investment With Allowance			Total Recorded Investment			Related Allowance			Average Recorded Investment
31-Mar-15
Commercial real estate:
Commercial R.E. - construction	$	0		$	0		$	0		$	0		$	0		$	0
Commercial R.E. - mortgages		0			0			0			0			0			648
Land		3,215			0			2,983			2,983			862			2,989
Farmland		76			67			0			67			0			69
Commercial and Industrial		1,387			334			1,028			1,362			95			849
Consumer		0			0			0			0			0			0
Consumer residential		0			0			0			0			0			0
Agriculture		0			0			0			0			0			0
Total	$	4,678		$	401		$	4,011		$	4,412		$	957		$	4,555
31-Dec-14
Commercial real estate:
Commercial R.E. - construction	$	0		$	0		$	0		$	0		$	0		$	0
Commercial R.E. - mortgages		1,301			0			1,296			1,296			125			555
Land		3,215			0			2,995			2,995			868			3,155
Farmland		80			72			0			72			0			82
Commercial and Industrial		359			337			0			337			0			304
Consumer		0			0			0			0			0			0
Consumer residential		0			0			0			0			0			0
Agriculture		0			0			0			0			0			0
Total	$	4,956		$	408		$	4,291		$	4,700		$	993		$	4,096
Troubled Debt Restructurings – In order to determine whether a borrower is experiencing financial difficulty, an evaluation is performed of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under the Company’s internal underwriting policy.
At March 31, 2015, there were 5 loans that were considered to be troubled debt restructurings, all of which are considered non-accrual totaling $3,317,000. At December 31, 2014, there were 5 loans that were considered to be troubled debt restructurings, all of which are considered non-accrual totaling $3,332,000. At March 31, 2015 and December 31, 2014 there were no unfunded commitments on loans classified as a troubled debt restructures. We have allocated $862,000 and $868,000 of specific reserves to loans whose terms have been modified in troubled debt restructurings as of March 31, 2015 and December 31, 2014, respectively.
During the three month period ended March 31, 2015, no loans were modified as troubled debt restructurings. During the three month period ended March 31, 2014, the terms of one loan were modified as troubled debt restructurings by extending the maturity date. The modification of the terms of such loans typically includes one or a combination of the following: a reduction of the stated interest rate of the loan; an extension of the maturity date; or a temporary payment modification in which the payment amount allocated towards principal was reduced. In some cases, a permanent reduction of the accrued interest on the loan is conceded.
The following tables presents loans by class modified as troubled debt restructurings that occurred during the three month period ended March 31, 2014:
	Three Months Ended
(in thousands)	31-Mar-14
	Number of Loans			Pre- Modification Outstanding Recorded Investment			Post- Modification Outstanding Recorded Investment
Commercial real estate:
Commercial R.E. - construction		0		$	0		$	0
Commercial R.E. - mortgages		0			0			0
Land		1			520			520
Farmland		0			0			0
Commercial and Industrial		0			0			0
Consumer		0			0			0
Consumer residential		0			0			0
Agriculture		0			0			0
Total		1		$	520		$	520
The troubled debt restructuring during the three month period ended March 31, 2014 did not increase the allowance for loan losses as a result of loan modifications. There were no charge-offs as a result of loan modifications, as the contractual balances outstanding were determined to be collectible.
There were no loans modified as troubled debt restructurings within the previous twelve months and for which there was a payment default during the three month periods ended March 31, 2015 and 2014. A loan is considered to be in payment default once it is ninety days contractually past due under the modified terms.
Quality ratings (Risk Grades) are assigned to all commitments and stand-alone notes. Risk grades define the basic characteristics of commitments or stand-alone note in relation to their risk. All loans are graded using a system that maximizes the loan quality information contained in loan review grades, while ensuring that the system is compatible with the grades used by bank examiners.
We grade loans using the following letter system:
1 Exceptional Loan
2 Quality Loan
3A Better Than Acceptable Loan
3B Acceptable Loan
3C Marginally Acceptable Loan
4 (W) Watch Acceptable Loan
5 Other Loans Especially Mentioned
6 Substandard Loan
7 Doubtful Loan
8 Loss
1. Exceptional Loan - Loans with A+ credits that contain very little, if any, risk. Grade 1 loans are considered Pass. To qualify for this rating, the following characteristics must be present:
-A high level of liquidity and whose debt-servicing capacity exceeds expected obligations by a substantial margin.
-Where leverage is below average for the industry and earnings are consistent or growing without severe vulnerability to economic cycles.
-Also included in this rating (but not mandatory unless one or more of the preceding characteristics are missing) are loans that are fully secured and properly margined by our own time instruments or U.S. blue chip securities. To be properly margined cash collateral must be equal to, or greater than, 110% of the loan amount.
2. Quality Loan - Loans with excellent sources of repayment that conform in all respects to bank policy and regulatory requirements. These are also loans for which little repayment risk has been identified. No credit or collateral exceptions. Grade 2 loans are considered Pass. Other factors include:
-Unquestionable debt-servicing capacity to cover all obligations in the ordinary course of business from well-defined primary and secondary sources.
-Consistent strong earnings.
-A solid equity base.
3A. Better than Acceptable Loan - In the interest of better delineating the loan portfolio’s true credit risk for reserve allocation, further granularity has been sought by splitting the grade 3 category into three classifications. The distinction between the three are bank-defined guidelines and represent a further refinement of the regulatory definition of a pass, or grade 3 loan. Grade 3A is the stronger third of the pass category, but is not strong enough to be a grade 2 and is characterized by:
-Strong earnings with no loss in last three years and ample cash flow to service all debt well above policy guidelines.
-Long term experienced management with depth and defined management succession.
-The loan has no exceptions to policy.
-Loan-to-value on real estate secured transactions is 10% to 20% less than policy guidelines.
-Very liquid balance sheet that may have cash available to pay off our loan completely.
-Little to no debt on balance sheet.
3B. Acceptable Loan - 3B loans are simply defined as all loans that are less qualified than 3A loans and are stronger than 3C loans. These loans are characterized by acceptable sources of repayment that conform to bank policy and regulatory requirements. Repayment risks are acceptable for these loans. Credit or collateral exceptions are minimal, are in the process of correction, and do not represent repayment risk. These loans:
-Are those where the borrower has average financial strengths, a history of profitable operations and experienced management.
-Are those where the borrower can be expected to handle normal credit needs in a satisfactory manner.
3C. Marginally Acceptable - 3C loans have similar characteristics as that of 3Bs with the following additional characteristics:
Requires collateral. A credit facility where the borrower has average financial strengths, but usually lacks reliable secondary sources of repayment other than the subject collateral. Other common characteristics can include some or all of the following: minimal background experience of management, lacking continuity of management, a start-up operation, erratic historical profitability (acceptable reasons-well identified), lack of or marginal sponsorship of guarantor, and government guaranteed loans.
4W Watch Acceptable - Watch grade will be assigned to any credit that is adequately secured and performing but monitored for a number of indicators. These characteristics may include any unexpected short-term adverse financial performance from budgeted projections or prior period’s results (i.e., declining profits, sales, margins, cash flow, or increased reliance on leverage, including adverse balance sheet ratios, trade debt issues, etc.). Additionally, any managerial or personal problems of company management, decline in the entire industry or local economic conditions failure to provide financial information or other documentation as requested; issues regarding delinquency, overdrafts, or renewals; and any other issues that cause concern for the company. Loans to individuals or loans supported by guarantors with marginal net worth and/or marginal collateral. Weakness identified in a Watch credit is short-term in nature. Loans in this category are usually accounts the Bank would want to retain providing a positive turnaround can be expected within a reasonable time frame. Grade 4 loans are considered Pass.
5 Other Loans Especially Mentioned (Special Mention) - A special mention extension of credit is defined as having potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may, at some future date result in the deterioration of the repayment prospects for the credit or the institution’s credit position. Extensions of credit that might be detailed in this category include the following:
-The lending officer may be unable to properly supervise the credit because of an inadequate loan or credit agreement.
-Questions exist regarding the condition of and/or control over collateral.
-Economic or market conditions may unfavorably affect the obligor in the future.
-A declining trend in the obligor’s operations or an imbalanced position in the balance sheet exists, but not to the point that repayment is jeopardized.
6 Substandard Loan - A “substandard” extension of credit is inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Extensions of credit so classified must have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected. Loss potential, while existing in the aggregate amount of substandard credits, does not have to exist in individual extensions of credit classified substandard.
7 Doubtful Loan - An extension of credit classified “doubtful” has all the weaknesses inherent in one classified substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. The possibility of loss is extremely high but because of certain important and reasonably specific pending factors that may work to the advantage of and strengthen the credit, its classification as an estimated loss is deferred until its more exact status may be determined. Pending factors may include a proposed merger or acquisition, liquidation proceedings, capital injection, perfecting liens on additional collateral or refinancing plans. The entire loan need not be classified doubtful when collection of a specific portion appears highly probable. An example of proper use of the doubtful category is the case of a company being liquidated, with the trustee-in-bankruptcy indicating a minimum disbursement of 40 percent and a maximum of 65 percent to unsecured creditors, including the Bank. In this situation, estimates are based on liquidation value appraisals with actual values yet to be realized. By definition, the only portion of the credit that is doubtful is the 25 percent difference between 40 and 65 percent.
A proper classification of such a credit would show 40 percent substandard, 25 percent doubtful, and 35 percent loss. A credit classified as doubtful should be resolved within a ‘reasonable’ period of time. Reasonable is generally defined as the period between examinations. In other words, a credit classified doubtful at an examination should be cleared up before the next exam. However, there may be situations that warrant continuation of the doubtful classification a while longer.
8 Loss - Extensions of credit classified “loss” are considered uncollectible and of such little value that their continuance as bankable assets is not warranted. This classification does not mean that the credit has absolutely no recovery or salvage value, but rather that it is not practical or desirable to defer writing off, even though partial recovery may be affected in the future. It should not be the Company’s practice to attempt long-term recoveries while the credit remains on the books. Losses should be taken in the period in which they surface as uncollectible.
As of March 31, 2015, there are no loans that are classified with a risk grade of 8- Loss.
The following table presents weighted average risk grades of our loan portfolio:
	31-Mar-15			31-Dec-14
				Weighted Average Risk Grade
	Weighted Average Risk Grade
Commercial real estate:
Commercial real estate - construction		3.15			3
Commercial real estate - mortgages		3.12			3.15
Land		4.41			4.34
Farmland		3.01			3.01
Commercial and industrial		3.33			3.39
Consumer		2.24			2.12
Consumer residential		3.01			3.02
Agriculture		3.3			3.18
Total gross loans		3.16			3.19
The following table presents risk grade totals by class of loans as of March 31, 2015 and December 31, 2014. Risk grades 1 through 4 have been aggregated in the “Pass” line.
(in thousands)	Commercial R.E.			Commercial R.E.			Land			Farmland			Commercial and Industrial			Consumer			Consumer Residential			Agriculture		Total
	Construction			Mortgages
31-Mar-15
Pass	$	16,328		$	316,166		$	6,070		$	25,301		$	47,798		$	812		$	24,443		$	9,431	$	446,349
Special mention		-			429			-			-			1,460			-			-			-		1,889
Substandard		-			212			2,983			67			1,570			45			50			-		4,927
Doubtful		-			-			-			-			-			-			-			-		-
Total loans	$	16,328		$	316,807		$	9,053		$	25,368		$	50,828		$	857		$	24,493		$	9,431	$	453,165
31-Dec-14
Pass	$	9,181		$	310,912		$	7,625		$	23,019		$	48,997		$	790		$	25,283		$	15,753	$	441,560
Special mention		-			2,722			-			-			3,438			-			-			-		6,160
Substandard		-			1,872			2,995			72			1,616			15			181			-		6,751
Doubtful		-			-			-			-			-			-			-			-		-
Total loans	$	9,181		$	315,506		$	10,620		$	23,091		$	54,051		$	805		$	25,464		$	15,753	$	454,471
Allowance for Loan Losses. The allowance for loan losses is a reserve established by the Company through a provision for loan losses charged to expense, which represents management’s best estimate of probable losses that have been incurred within the existing portfolio of loans. The allowance, in the judgment of management, is necessary to reserve for estimated loan losses and risks inherent in the loan portfolio. The allowance for loan loss methodology includes allowance allocations calculated in accordance with ASC Topic 310, “Receivables” and allowance allocations calculated in accordance with ASC Topic 450, “Contingencies.” Accordingly, the methodology is based on historical loss experience by type of credit and internal risk grade, specific homogeneous risk pools and specific loss allocations, with adjustments for current events and conditions. The process for determining the appropriate level of the allowance for loan losses is designed to account for credit deterioration as it occurs. The provision for loan losses reflects loan quality trends, including the levels of and trends related to non-accrual loans, past due loans, potential problem loans, criticized loans and net charge-offs or recoveries, among other factors. The provision for loan losses also reflects the totality of actions taken on all loans for a particular period. In other words, the amount of the provision reflects not only the necessary increases in the allowance for loan losses related to newly identified criticized loans, but it also reflects actions taken related to other loans including, among other things, any necessary increases or decreases in required allowances for specific loans or loan pools.
The level of the allowance reflects management’s continuing evaluation of industry concentrations, specific credit risks, loan loss experience, current loan portfolio quality, present economic, political and regulatory conditions and unidentified losses inherent in the current loan portfolio. Portions of the allowance may be allocated for specific credits; however, the entire allowance is available for any credit that, in management’s judgment, should be charged off. While management utilizes its best judgment and information available, the ultimate adequacy of the allowance is dependent upon a variety of factors beyond the Company’s control, including, among other things, the performance of the Company’s loan portfolio, the economy, changes in interest rates and the view of the regulatory authorities toward loan classifications.
The Company’s allowance for loan losses consists of three elements: (i) specific valuation allowances determined in accordance with ASC Topic 310 based on probable losses on specific loans; (ii) historical valuation allowances determined in accordance with ASC Topic 450 based on historical loan loss experience for similar loans with similar characteristics and trends, adjusted, as necessary, to reflect the impact of current conditions; and (iii) general valuation allowances determined in accordance with ASC Topic 450 based on general economic conditions and other qualitative risk factors both internal and external to the Bank and the Company.
The allowances established for probable losses on specific loans are based on a regular analysis and evaluation of problem loans. Loans are classified based on an internal credit risk grading process that evaluates, among other things: (i) the obligor’s ability to repay; (ii) the underlying collateral, if any; and (iii) the economic environment and industry in which the borrower operates. This analysis is performed at the relationship manager level for all commercial loans. When a loan has a calculated grade of 5 or higher, a special assets officer analyzes the loan to determine whether the loan is impaired and, if impaired, the need to specifically allocate a portion of the allowance for loan losses to the loan. Specific valuation allowances are determined by analyzing the borrower’s ability to repay amounts owed, collateral deficiencies, the relative risk grade of the loan and economic conditions affecting the borrower’s industry, among other things.
Historical valuation allowances are calculated based on the historical loss experience of specific types of loans and the internal risk grade of such loans at the time they were charged-off. The Company calculates historical loss ratios for pools of similar loans with similar characteristics based on the proportion of actual charge-offs experienced to the total population of loans in the pool. The historical loss ratios are periodically updated based on actual charge-off experience. A historical valuation allowance is established for each pool of similar loans based upon the product of the historical loss ratio and the total dollar amount of the loans in the pool. The Company’s pools of similar loans include similarly risk-graded groups of commercial and industrial loans, commercial real estate loans, consumer real estate loans and consumer and other loans.
General valuation allowances are based on general economic conditions and other qualitative risk factors both internal and external to the Bank and the Company. In general, such valuation allowances are determined by evaluating, among other things: (i) the experience, ability and effectiveness of the Bank’s lending management and staff; (ii) the effectiveness of the Bank’s loan policies, procedures and internal controls; (iii) changes in asset quality; (iv) changes in loan portfolio volume; (v) the composition and concentrations of credit; (vi) the impact of competition on loan structuring and pricing; (vii) the effectiveness of the internal loan review function; (viii) the impact of environmental risks on portfolio risks; and (ix) the impact of rising interest rates on portfolio risk. Management evaluates the degree of risk that each one of these components has on the quality of the loan portfolio on a quarterly basis. Each component is determined to have either a high, moderate or low degree of risk. The results are then input into a “general allocation matrix” to determine an appropriate general valuation allowance.
Included in the general valuation allowances are allocations for groups of similar loans with risk characteristics that exceed certain concentration limits established by management. Concentration risk limits have been established, among other things, for certain industry concentrations, large balance and highly leveraged credit relationships that exceed specified risk grades, and loans originated with policy exceptions that exceed specified risk grades.
Loans identified as losses by management, internal loan review and/or bank examiners are charged-off. Furthermore, consumer loan accounts are charged-off automatically based on regulatory requirements.
The following table details activity in the allowance for loan losses by portfolio segment for the three months ended March 31, 2015 and 2014. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.
Allowance for Loan Losses
For the Three Months Ended March 31, 2015 and 2014
(in thousands)	Commercial			Commercial						Consumer
Three Months Ended March 31, 2015	Real Estate			and Industrial			Consumer			Residential			Agriculture			Unallocated			Total
Beginning balance	$	5,963		$	720		$	42		$	388		$	286		$	135		$	7,534
Charge-offs		0			0			(3	)		0			0			0			(3	)
Recoveries		1			0			2			0			0			0			3
(Reversal of) provision for loan losses		(154	)		(35	)		9			167			(105	)		(7	)		(125	)
Ending balance	$	5,810		$	685		$	50		$	555		$	181		$	128		$	7,409
Three Months Ended March 31, 2014
Beginning balance	$	6,248		$	662		$	47		$	440		$	217		$	45		$	7,659
Charge-offs		(50	)		0			(3	)		0			0			0			(53	)
Recoveries		0			0			1			8			0			0			9
Provision for (reversal of) loan losses		(6	)		80			0			(31	)		(2	)		(41	)		0
Ending balance	$	6,192		$	742		$	45		$	417		$	215		$	4		$	7,615
The following table details the allowance for loan losses and ending gross loan balances as of March 31, 2015, December 31, 2014 and March 31, 2014, summarized by collective and individual evaluation methods of impairment.
(in thousands)
	Commercial			Commercial						Consumer
31-Mar-15	Real Estate			and Industrial			Consumer			Residential			Agriculture			Unallocated			Total
Allowance for loan losses for loans:
Individually evaluated for impairment	$	862		$	95		$	0		$	0		$	0		$	0		$	957
Collectively evaluated for impairment		4,948			590			50			555			181			128			6,452
	$	5,810		$	685		$	50		$	555		$	181		$	128		$	7,409
Ending gross loan balances:
Individually evaluated for impairment	$	3,050		$	1,362		$	0		$	0		$	0		$	0		$	4,412
Collectively evaluated for impairment		364,506			49,466			857			24,493			9,431			0			448,753
	$	367,556		$	50,828		$	857		$	24,493		$	9,431		$	0		$	453,165
31-Dec-14
Allowance for loan losses for loans:
Individually evaluated for impairment	$	993		$	0		$	0		$	0		$	0		$	0		$	993
Collectively evaluated for impairment		4,970			720			42			388			286			135			6,541
	$	5,963		$	720		$	42		$	388		$	286		$	135		$	7,534
Ending balances of loans:
Individually evaluated for impairment	$	4,363		$	337		$	0		$	0		$	0		$	0		$	4,700
Collectively evaluated for impairment		354,035			53,714			805			25,464			15,753			0			449,771
	$	358,398		$	54,051		$	805		$	25,464		$	15,753		$	0		$	454,471
31-Mar-14
Allowance for loan losses for loans:
Individually evaluated for impairment	$	1,071		$	0		$	0		$	0		$	0		$	0		$	1,071
Collectively evaluated for impairment		5,121			742			45			417			215			4			6,544
	$	6,192		$	742		$	45		$	417		$	215		$	4		$	7,615
Ending gross loan balances:
Individually evaluated for impairment	$	4,897		$	351		$	0		$	0		$	0		$	0		$	5,248
Collectively evaluated for impairment		345,153			40,736			846			19,160			11,367			0			417,262
	$	350,050		$	41,087		$	846		$	19,160		$	11,367		$	0		$	422,510
Changes in the reserve for off-balance-sheet commitments were as follows:
	THREE MONTHS ENDED MARCH 31,
(in thousands)	2015			2014
Balance, beginning of period	$	218		$	134
Provision (Reversal) to Operations for Off Balance Sheet Commitments		9			(3	)
Balance, end of period	$	227		$	131
The method for calculating the reserve for off-balance-sheet loan commitments is based on a reserve percentage which is less than other outstanding loan types because they are at a lower risk level.  This reserve percentage, based on many factors including historical losses and existing economic conditions, is evaluated by management periodically and is applied to the total undisbursed loan commitment balance to calculate the reserve for off-balance-sheet commitments. Reserves for off-balance-sheet commitments are recorded in “interest payable and other liabilities” on the condensed consolidated balance sheets.
At March 31, 2015 and December 31, 2014, loans carried at $453,165,000 and $454,471,000, respectively, were pledged as collateral on advances from the Federal Home Loan Bank.

Note_5_Other_Real_Estate_Owned

Note 5 - Other Real Estate Owned	3 Months Ended
	Mar. 31, 2015
Disclosure Text Block [Abstract]
Real Estate Owned [Text Block]	NOTE 5 – OTHER REAL ESTATE OWNED
	As of March 31, 2015 and December 31, 2014, the Company owned three properties classified as other real estate with outstanding balances of $834,000 and $884,000, respectively, which includes one property consisting of residential land that was written down to a zero balance. Each of these properties was acquired through loan foreclosure. The residential land property the Company owned at March 31, 2015 and December 31, 2014, was written down to a zero balance because the public utilities have not been obtainable rendering these land lots unmarketable at this time. There were no sales of OREO property during the three months ended March 31, 2015 and 2014.
	Real estate properties acquired through, or in lieu of, loan foreclosure are to be sold and are initially recorded at the lower of carrying amount of the loan or fair value of the property at the date of foreclosure less selling costs.  Subsequent to foreclosure, valuations are periodically performed and any subject revisions in the estimate of fair value are reported as adjustment to the carrying value of the real estate, provided the adjusted carrying amount does not exceed the original amount at foreclosure.  Revenues and expenses from operations and changes in the valuation allowance are included in other operating expenses.

Note_6_Other_PostRetirement_Be

Note 6 - Other Post-Retirement Benefit Plans	3 Months Ended
	Mar. 31, 2015
Compensation and Retirement Disclosure [Abstract]
Pension and Other Postretirement Benefits Disclosure [Text Block]	NOTE 6–OTHER POST-RETIREMENT BENEFIT PLANS
	During January 2008, the Bank awarded certain officers a salary continuation plan (the “Plan”). Under the Plan, the participants will be provided with a fixed annual retirement benefit for twenty years after retirement. The Bank is also responsible for certain pre-retirement death benefits under the Plan. In connection with the implementation of the Plan, the Bank purchased single premium life insurance policies on the life of each of the officers covered under the Plan. The Bank is the owner and partial beneficiary of these life insurance policies. The assets of the Plan, under Internal Revenue Service regulations, are owned by the Bank and are available to satisfy the Company’s general creditors.
	The Bank awarded a director retirement plan (“DRP”) to two of its directors in January 2008 and to three of its newest directors in March 2014. Under the DRP, the participants will be provided with a fixed annual retirement benefit for ten years after retirement. The Bank is also responsible for certain pre-retirement death benefits under the DRP. In connection with the implementation of the DRP, the Bank purchased single premium life insurance policies on the life of each director covered under the DRP. The Bank is the owner and partial beneficiary of these life insurance policies. The assets of the DRP, under Internal Revenue Service regulations, are the property of the Bank and are available to satisfy the Bank’s general creditors.
	Future compensation under both plans is earned for services rendered through retirement. The Bank accrues for the salary continuation liability based on anticipated years of service and vesting schedules provided under the plans. The Bank’s current benefit liability is determined based on vesting and the present value of the benefits at a corresponding discount rate. The discount rate used is an equivalent rate for investment-grade bonds with lives matching those of the service periods remaining for the salary continuation contracts, which average approximately 20 years. The salary continuation liability as of March 31, 2015 and December 31, 2014 was $2,275,000 and $2,222,000, respectively, and is reported in “interest payable and other liabilities” on the condensed consolidated balance sheets.
	During January 2008, the Bank purchased $4.7 million in bank owned life insurance policies and entered into split-dollar life insurance agreements with certain officers and directors. During March 2014, the Bank purchased an additional $1.0 million in bank owned life insurance policies and entered into split-dollar life insurance agreements with its three newest directors. In connection with the implementation of the split-dollar agreements, the Bank purchased single premium life insurance policies on the life of each of the officers and directors covered by the split-dollar life insurance agreements. The Bank is the owner of the policies and the partial beneficiary in an amount equal to the cash surrender value of the policies.
	The combined cash surrender value of all Bank-owned life insurance policies recorded in “interest receivable and other assets” on the condensed consolidated balance sheets were $13,653,000 and $13,549,000 at March 31, 2015 and December 31, 2014, respectively.

Note_7_Financial_Instruments_a

Note 7 - Financial Instruments and Fair Value Measurements	3 Months Ended
	Mar. 31, 2015
Disclosure Text Block [Abstract]
Fair Value, Measurement Inputs, Disclosure [Text Block]	NOTE 7 — FINANCIAL INSTRUMENTS AND FAIR VALUE MEASUREMENTS
	Fair values of financial instruments — The consolidated financial statements include various estimated fair value information as of March 31, 2015 and December 31, 2014. Such information, which pertains to the Company’s financial instruments, does not purport to represent the aggregate net fair value of the Company. Further, the fair value estimates are based on various assumptions, methodologies, and subjective considerations, which vary widely among different financial institutions and which are subject to change.
	Fair value measurements defines fair value, establishes a framework for measuring fair value, establishes a three-level valuation hierarchy for disclosure of fair value measurement and enhances disclosure requirements for fair value measurements. The valuation hierarchy is based upon the transparency of inputs to the valuation of an asset or liability as of the measurement date. The three levels are defined as follow:
	Level 1:  Inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets.
	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.
	Level 3:  Inputs to the valuation methodology are unobservable and significant to the fair value measurement.
	In certain cases, the inputs used to measure fair value may fall into different levels of the fair value hierarchy.  In such cases, the level in the fair value hierarchy within which the fair value measurement in its entirety falls has been determined based on the lowest level input that is significant to the fair value measurement in its entirety.  The Company’s assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment, and considers factors specific to the asset or liability. Transfers between levels of the fair value hierarchy are recognized on the actual date of the event or circumstance that caused the transfer, which generally corresponds with the Company’s quarterly valuation process. There were no transfers between levels during the three month periods ended March 31, 2015 or 2014.
	Following is a description of valuation methodologies used for assets and liabilities in the tables below:
	Cash and cash equivalents – The carrying amounts of cash and cash equivalents approximate their fair value and are considered a level 1 valuation.
	Restricted Equity Securities- The carrying amounts of the stock the Company’s owns in FRB and FHLB approximate their fair value and are considered a level 2 valuation.
	Loans receivable — For variable-rate loans that reprice frequently and have no significant change in credit risk, fair values are based on carrying values. The fair values for other loans (e.g., real estate construction and mortgage, commercial, and installment loans) are estimated using discounted cash flow analyses, using interest rates currently being offered for loans with similar terms to borrowers of similar credit quality. The allowance for loan losses is considered to be a reasonable estimate of loan discount due to credit risks. The Company’s fair value model takes into account many inputs including current market rates on new loans, the U.S. treasury yield curve, LIBOR yield curve, rate floors, rate ceilings, remaining maturity, and average life based on specific loan type. Net loans are considered to be a level 3 valuation.
	Deposit liabilities — The fair values estimated for demand deposits (interest and non-interest checking, savings, and certain types of money market accounts) are, by definition, equal to the amount payable on demand at the reporting date (i.e. their carrying amounts). The carrying amounts for variable-rate, fixed-term money market accounts and certificates of deposit approximate their fair values at the reporting date. Fair values for fixed-rate certificates of deposit are estimated using a discounted cash flow calculation that applies interest rates currently being offered on certificates to a schedule of the aggregate expected monthly maturities on time deposits. The fair value of deposits is determined by the Company’s internal assets and liabilities modeling system that accounts for various inputs such as decay rates, rate floors, FHLB yield curve, maturities and current rates offered on new accounts. Fair value on deposits is considered a level 3 valuation.
	Interest receivable and payable - The carrying amounts of accrued interest approximate their fair value and are considered to be a level 2 valuation.
	Off-balance-sheet instruments — Fair values for the Bank’s off-balance-sheet lending commitments are based on fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the credit standing of the counterparties. The Company considers the Bank’s off balance sheet instruments to be a level 3 valuation.
	The estimated fair values of the Company’s financial instruments at March 31, 2015 were as follows:
								Hierarchy
	(in thousands)	Carrying			Fair			Valuation
		Amount			Value			Level
	Financial assets:
	Cash and cash equivalents	$	149,698		$	149,698			1
	Restricted equity securities		3,275			3,275			2
	Loans, net		445,316			452,226			3
	Interest receivable		1,843			1,843			2
	Financial liabilities:
	Deposits		(672,991	)		(611,414	)		3
	Interest payable		(30	)		(30	)		2
	Off-balance-sheet assets (liabilities):
	Commitments and standby letters of credit					(874	)		3
	The estimated fair values of the Company’s financial instruments at December 31, 2014 were as follows:
								Hierarchy
	(in thousands)	Carrying			Fair			Valuation
		Amount			Value			Level
	Financial assets:
	Cash and cash equivalents	$	144,288		$	144,288			1
	Restricted equity securities		3,275			3,275			2
	Loans, net		446,492			455,501			3
	Interest receivable		2,024			2,024			2
	Financial liabilities:
	Deposits		(669,581	)		(600,941	)		3
	Interest payable		(39	)		(39	)		2
	Off-balance-sheet assets (liabilities):
	Commitments and standby letters of credit					(848	)		3
	The following table presents the carrying value of recurring and nonrecurring financial instruments that were measured at fair value and that were still held in the condensed consolidated balance sheets at each respective period end, by level within the fair value hierarchy as of March 31, 2015 and December 31, 2014.
		Fair Value Measurements at March 31, 2015 Using
	(in thousands)	31-Mar-15			Quoted Prices			Significant		Significant
					in Active			Other		Unobservable
					Markets for			Observable		Inputs
					Identical Assets			Inputs		(Level 3)
					(Level 1)			(Level 2)
	Assets and liabilities measured on a recurring basis:
	Available-for-sale securities:
	U.S. agencies	$	38,667		$	0		$	38,667	$	0
	Collateralized mortgage obligations		5,684			0			5,684		0
	Municipalities		55,901			0			55,901		0
	SBA pools		880			0			880		0
	Corporate debt		8,804			0			8,804		0
	Asset backed securities		8,247			0			8,247		0
	Mutual fund		3,005			3,005			0		0
	Assets and liabilities measured on a non-recurring basis:
	Impaired loans:
	Land	$	388		$	0		$	0	$	388
	Commercial and industrial		933			0			0		933
	Other real estate owned		834			0			0		834
		Fair Value Measurements at December 31, 2014 Using
(in thousands)
	December 31,			Quoted Prices			Significant		Significant
	2014			in Active			Other		Unobservable
				Markets for			Observable		Inputs
				Identical Assets			Inputs		(Level 3)
				(Level 1)			(Level 2)
Assets and liabilities measured on a recurring basis:
Available-for-sale securities
U.S. agencies	$	41,930		$	0		$	41,930	$	0
Collateralized mortgage obligations		7,072			0			7,072		0
Municipalities		50,897			0			50,897		0
SBA pools		892			0			892		0
Corporate debt		6,804			0			6,804		0
Asset backed securities		10,710			0			10,710		0
Mutual fund		2,972			2,972			0		0
Assets and liabilities measured on a non-recurring basis:
Impaired loans:
Land	$	1,743		$	0		$	0	$	1,743
Commercial real estate - mortgages		1,171			0			0		1,171
Other real estate owned		884			0			0		884
Following is a description of valuation methodologies used for assets and liabilities recorded at fair value.
Available-for-sale securities - Investment securities available-for-sale are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted market prices, if available. If quoted market prices are not available, fair values are measured using independent pricing models or other model-based valuation techniques such as the present value of future cash flows, adjusted for the security’s credit rating, prepayment assumptions, and other factors such as credit loss assumptions. Level 1 securities include those traded on an active exchange, such as the New York Stock Exchange, U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets and money market funds. Level 2 securities include mortgage-backed securities issued by government sponsored entities, municipal bonds and corporate debt securities. Securities classified as Level 3 include asset-backed securities in less liquid markets where significant inputs are unobservable.
Impaired loans - ASC Topic 820 applies to loans measured for impairment using the practical expedients permitted by ASC Topic 310, Accounting by Creditors for Impairment of a Loan. The Company does not record loans at fair value on a recurring basis. However, from time to time, a loan is considered impaired and an allowance for loan losses is established. Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement are considered impaired. Impaired loans where an allowance is established based on the fair value of collateral less the cost related to liquidation of the collateral require classification in the fair value hierarchy. When the fair value of the collateral is based on an observable market price or a current appraised value, the Company records the impaired loan as non-recurring Level 3. Likewise, when an appraised value is not available or management determines the fair value of the collateral is further impaired below the appraised value and there is no observable market price, the Company records the impaired loan as non-recurring Level 3.
Other Real Estate Owned - Other real estate assets (“OREO”) acquired through, or in lieu of, foreclosure are held-for-sale and are initially recorded at the lower of cost or fair value, less selling costs. Any write-downs to fair value at the time of transfer to OREO are charged to the allowance for loan losses, subsequent to foreclosure. Appraisals or evaluations are then done periodically thereafter charging any additional write-downs or valuation allowances to the appropriate expense accounts. Values are derived from appraisals of underlying collateral and discounted cash flow analysis. OREO is classified within Level 3 of the hierarchy.
Net realizable value of the underlying collateral is the fair value of the collateral less estimated selling costs and any prior liens. Appraisals, recent comparable sales, offers and listing prices are factored in when valuing the collateral. We review and verify the qualifications and licenses of the certified general appraisers used for appraising commercial properties or certified residential appraisers for residential properties. Real estate appraisals may utilize a combination of approaches including replacement cost, sales comparison and the income approach. Comparable sales and income data are analyzed by the appraisers and adjusted to reflect differences between them and the subject property such as type, leasing status and physical condition. When the appraisals are received, Management reviews the assumptions and methodology utilized in the appraisal, as well as the overall resulting value in conjunction with independent data sources such as recent market data and industry-wide statistics. We generally use a 6% discount for selling costs which is applied to all properties, regardless of size. Appraised values may be adjusted to reflect changes in market conditions that have occurred subsequent to the appraisal date, or for revised estimates regarding the timing or cost of the property sale. These adjustments are based on qualitative judgments made by management on a case-by-case basis.
There have been no significant changes in the valuation techniques during the period ended March 31, 2015.

Note_8_Earnings_Per_Share

Note 8 - Earnings Per Share	3 Months Ended
	Mar. 31, 2015
Earnings Per Share [Abstract]
Earnings Per Share [Text Block]	NOTE 8 – EARNINGS PER SHARE
	Earnings per share (“EPS”) are based upon the weighted average number of common shares outstanding during each year. The following table shows: (1) weighted average basic shares, (2) effect of dilutive securities related to stock options and non-vested restricted stock, and (3) weighted average shares of common stock and common stock equivalents. Net income available to common stockholders is calculated as net income reduced by dividends accumulated on preferred stock, if any. Basic EPS are calculated by dividing net income available to common stockholders by the weighted average number of common shares outstanding during each period, excluding unvested restricted stock awards. Diluted EPS are calculated using the weighted average diluted shares, which reflects the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock. The dilutive shares included in year-to-date diluted EPS is a weighted average of the dilutive shares included in each quarterly diluted EPS computation under the treasury stock method. We have two forms of outstanding common stock: common stock and unvested restricted stock awards. Holders of restricted stock awards receive non-forfeitable dividends at the same rate as common stockholders and they both share equally in undistributed earnings.
	The Company’s calculation of basic and diluted earnings per share (“EPS”) for the three month periods ended March 31, 2015 and 2014 are reflected in the table below.
		THREE MONTHS ENDED
	(In thousands)	MARCH 31,
		2015		2014
	BASIC EARNINGS PER SHARE
	Net income	$	1,526	$	1,408
	Weighted average shares outstanding		7,972		7,878
	Net income per common share	$	0.19	$	0.18
	DILUTED EARNINGS PER SHARE
	Net income	$	1,526	$	1,408
	Weighted average shares outstanding		7,972		7,878
	Effect of dilutive stock options		2		14
	Effect of dilutive non-vested restricted shares		51		49
	Weighted average shares of common stock and common stock equivalents		8,025		7,941
	Net income per diluted common share	$	0.19	$	0.18
	During the three month period ended March 31, 2015, anti-dilutive weighted average options to purchase 54,250 shares of common stock were outstanding, with prices ranging from $10.85 to $15.67. Anti-dilutive weighted average stock options of 68,500 were outstanding during the three month period of 2014, with prices ranging from $9.95 to $15.67. These options were not included in the computation of diluted EPS because the options’ exercise price was greater than the average market price of the common shares. These options begin to expire in 2015.
	There were no anti-dilutive non-vested restricted stock grants for the three months ended March 31, 2015 and 2014.

Accounting_Policies_by_Policy_

Accounting Policies, by Policy (Policies)	3 Months Ended
	Mar. 31, 2015
Accounting Policies [Abstract]
New Accounting Pronouncements, Policy [Policy Text Block]	In January 2014, the FASB issued ASU No. 2014 – 01, Investments – Equity Method and Joint Ventures (Topic 323), Accounting for Investments in Qualified Affordable Housing Projects. This Update provides guidance on accounting for investments by a reporting entity in flow-through limited liability entities that manage or invest in affordable housing projects that qualify for the low-income housing tax credit. The amendments in this Update permit reporting entities to make an accounting policy election to account for their investments in qualified affordable housing projects using the proportional amortization method if certain conditions are met. Under the proportional amortization method, an entity amortizes the initial cost of the investment in proportion to the tax credits and other tax benefits received and recognizes the net investment performance in the income statement as a component of income tax expense (benefit). The amendments in this Update are effective for public business entities for annual periods and interim reporting periods within those annual periods, beginning after December 15, 2014. The adoption of ASU No. 2014-01 did not have a material impact on the Company's consolidated financial statements.
	In January 2014, the FASB issued ASU No. 2014 – 04, Receivables – Troubled Debt Restructurings by Creditors. This ASU provides clarification that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. The amendments in this ASU are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. The adoption of ASU No. 2014-04 did not have a material impact on the Company's consolidated financial statements.
	In August 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2014-14 Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40), Classification of Certain Government-Guaranteed Mortgage Loans upon Foreclosure. This update addresses classification of government-guaranteed mortgage loans, including those where guarantees are offered by the Federal Housing Administration (“FHA”), the U.S. Department of Housing and Urban Development (“HUD”), and the U.S. Department of Veterans Affairs (“VA”). Although current accounting guidance stipulates proper measurement and classification in situations where a creditor obtains from a debtor, assets in satisfaction of a receivable (such as through foreclosure), current guidance does not specify how to measure and classify foreclosed mortgage loans that are government-guaranteed. Under the provisions of this update, a creditor would derecognize a mortgage loan that has been foreclosed upon, and recognize a separate receivable if the following conditions are met: (1) the loan has a government guarantee that is not separable from the loan before foreclosure, (2) At the time of foreclosure, the creditor has the intent to convey the real estate property to the guarantor and make a claim on the guarantee, and the creditor has the ability to recover under that claim, (3) At the time of foreclosure, any amount of the claim that is determined on the basis of the fair value of the real estate is fixed. The amendments within this update are effective for annual and interim periods beginning after December 15, 2014. The adoption of ASU No. 2014-14 did not have a material impact on the Company's consolidated financial statements.

Note_3_Securities_Tables

Note 3 - Securities (Tables)	3 Months Ended
	Mar. 31, 2015
Investments, Debt and Equity Securities [Abstract]
Available-for-sale Securities [Table Text Block]	(dollars in thousands)	Amortized Cost		Gross Unrealized Gains			Gross Unrealized Losses			Fair Value
	Available-for-sale securities:
	U.S. agencies	$	37,173	$	1,562		$	(68	)	$	38,667
	Collateralized mortgage obligations		5,611		96			(23	)		5,684
	Municipalities		54,251		1,899			(249	)		55,901
	SBA pools		883		0			(3	)		880
	Corporate debt		8,733		72			(1	)		8,804
	Asset backed securities		8,272		27			(52	)		8,247
	Mutual fund		3,100		0			(95	)		3,005
		$	118,023	$	3,656		$	(491	)	$	121,188
	(dollars in thousands)	Amortized Cost		Gross Unrealized Gains			Gross Unrealized Losses			Fair Value
	Available-for-sale securities:
	U.S. agencies	$	40,316	$	1,760		$	(146	)	$	41,930
	Collateralized mortgage obligations		6,927		184			(39	)		7,072
	Municipalities		49,396		1,713			(212	)		50,897
	SBA pools		895		0			(3	)		892
	Corporate debt		6,726		95			(17	)		6,804
	Asset backed securities		10,766		50			(106	)		10,710
	Mutual fund		3,077		0			(105	)		2,972
		$	118,103	$	3,802		$	(628	)	$	121,277
Schedule of Unrealized Loss on Investments [Table Text Block]	(dollars in thousands)	Less than 12 months					12 months or more						Total
	Description of Securities	Fair		Unrealized			Fair			Unrealized			Fair		Unrealized
		Value		Loss			Value			Loss			Value		Loss
	U.S. agencies	$	1,415	$	(13	)	$	4,839		$	(55	)	$	6,254	$	(68	)
	Collateralized mortgage obligations		0		0			1,413			(23	)		1,413		(23	)
	Municipalities		12,863		(169	)		3,287			(80	)		16,150		(249	)
	SBA pools		0		0			880			(3	)		880		(3	)
	Corporate debt		750		(1	)		0			0			750		(1	)
	Asset backed securities		1,979		(21	)		2,847			(31	)		4,826		(52	)
	Mutual fund		0		0			3,005			(95	)		3,005		(95	)
	Total temporarily impaired securities	$	17,007	$	(204	)	$	16,271		$	(287	)	$	33,278	$	(491	)
	(dollars in thousands)	Less than 12 months					12 months or more						Total
	Description of Securities	Fair		Unrealized			Fair			Unrealized			Fair		Unrealized
		Value		Loss			Value			Loss			Value		Loss
	U.S. agencies	$	0	$	0		$	8,446		$	(146	)	$	8,446	$	(146	)
	Collateralized mortgage obligations		0		0			1,445			(39	)		1,445		(39	)
	Municipalities		3,530		(22	)		12,791			(190	)		16,321		(212	)
	SBA pools		0		0			892			(3	)		892		(3	)
	Corporate debt		1,983		(17	)		0			0			1,983		(17	)
	Asset backed securities		3,798		(79	)		971			(27	)		4,769		(106	)
	Mutual fund		0		0			2,972			(105	)		2,972		(105	)
	Total temporarily impaired securities	$	9,311	$	(118	)	$	27,517		$	(510	)	$	36,828	$	(628	)
Investments Classified by Contractual Maturity Date [Table Text Block]	(dollars in thousands)	Amortized		Fair
		Cost		Value
	Available-for-sale securities:
	Due in one year or less	$	11,222	$	11,611
	Due after one year through five years		28,557		30,098
	Due after five years through ten years		41,072		41,417
	Due after ten years		37,172		38,062
		$	118,023	$	121,188

Note_4_Loans_Tables

Note 4 - Loans (Tables)	3 Months Ended
	Mar. 31, 2015
Note 4 - Loans (Tables) [Line Items]
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	(in thousands)	31-Mar-15			31-Dec-14
	Commercial real estate:
	Commercial real estate- construction	$	16,328		$	9,181
	Commercial real estate- mortgages		316,807			315,506
	Land		9,053			10,620
	Farmland		25,368			23,091
	Commercial and industrial		50,828			54,051
	Consumer		857			805
	Consumer residential		24,493			25,464
	Agriculture		9,431			15,753
	Total loans		453,165			454,471
	Less:
	Deferred loan fees and costs, net		(440	)		(445	)
	Allowance for loan losses		(7,409	)		(7,534	)
	Net loans	$	445,316		$	446,492
Schedule of Financing Receivables, Non Accrual Status [Table Text Block]	(in thousands)	31-Mar-15			31-Dec-14
	Commercial real estate:
	Commercial real estate- construction	$	0		$	0
	Commercial real estate- mortgages		0			1,296
	Land		2,983			2,995
	Farmland		67			72
	Commercial and industrial		1,362			337
	Consumer		0			0
	Consumer residential		0			0
	Agriculture		0			0
	Total non-accrual loans	$	4,412		$	4,700
Past Due Financing Receivables [Table Text Block]	31-Mar-15	30-59 Days Past Due			60-89 Days Past Due			Greater Than 90 Days Past Due			Total Past Due			Current			Total			Greater Than 90 Days Past Due and Still Accruing
	Commercial real estate:
	Commercial R.E. - construction	$	0		$	0		$	0		$	0		$	16,328		$	16,328		$	0
	Commercial R.E. - mortgages		34			0			0			34			316,773			316,807			0
	Land		0			500			2,483			2,983			6,070			9,053			0
	Farmland		0			0			67			67			25,301			25,368			0
	Commercial and industrial		0			0			1,362			1,362			49,466			50,828			0
	Consumer		38			0			0			38			819			857			0
	Consumer residential		0			0			0			0			24,493			24,493			0
	Agriculture		0			0			0			0			9,431			9,431			0
	Total	$	72		$	500		$	3,912		$	4,484		$	448,681		$	453,165		$	0
	31-Dec-14	30-59 Days Past Due			60-89 Days Past Due			Greater Than 90 Days Past Due			Total Past Due			Current			Total			Greater Than 90 Days Past Due and Still Accruing
	Commercial real estate:
	Commercial R.E. - construction	$	0		$	0		$	0		$	0		$	9,181		$	9,181		$	0
	Commercial R.E. - mortgages		35			1,296			0			1,331			314,175			315,506			0
	Land		0			0			2,493			2,493			8,127			10,620			0
	Farmland		0			0			72			72			23,019			23,091			0
	Commercial and industrial		14			0			323			337			53,714			54,051			0
	Consumer		0			0			0			0			805			805			0
	Consumer residential		0			0			0			0			25,464			25,464			0
	Agriculture		0			0			0			0			15,753			15,753			0
	Total	$	49		$	1,296		$	2,888		$	4,233		$	450,238		$	454,471		$	0
Impaired Financing Receivables [Table Text Block]	(in thousands)	Unpaid Contractual Principal Balance			Recorded Investment With No Allowance			Recorded Investment With Allowance			Total Recorded Investment			Related Allowance			Average Recorded Investment
	31-Mar-15
	Commercial real estate:
	Commercial R.E. - construction	$	0		$	0		$	0		$	0		$	0		$	0
	Commercial R.E. - mortgages		0			0			0			0			0			648
	Land		3,215			0			2,983			2,983			862			2,989
	Farmland		76			67			0			67			0			69
	Commercial and Industrial		1,387			334			1,028			1,362			95			849
	Consumer		0			0			0			0			0			0
	Consumer residential		0			0			0			0			0			0
	Agriculture		0			0			0			0			0			0
	Total	$	4,678		$	401		$	4,011		$	4,412		$	957		$	4,555
	31-Dec-14
	Commercial real estate:
	Commercial R.E. - construction	$	0		$	0		$	0		$	0		$	0		$	0
	Commercial R.E. - mortgages		1,301			0			1,296			1,296			125			555
	Land		3,215			0			2,995			2,995			868			3,155
	Farmland		80			72			0			72			0			82
	Commercial and Industrial		359			337			0			337			0			304
	Consumer		0			0			0			0			0			0
	Consumer residential		0			0			0			0			0			0
	Agriculture		0			0			0			0			0			0
	Total	$	4,956		$	408		$	4,291		$	4,700		$	993		$	4,096
Troubled Debt Restructurings on Financing Receivables [Table Text Block]		Three Months Ended
	(in thousands)	31-Mar-14
		Number of Loans			Pre- Modification Outstanding Recorded Investment			Post- Modification Outstanding Recorded Investment
	Commercial real estate:
	Commercial R.E. - construction		0		$	0		$	0
	Commercial R.E. - mortgages		0			0			0
	Land		1			520			520
	Farmland		0			0			0
	Commercial and Industrial		0			0			0
	Consumer		0			0			0
	Consumer residential		0			0			0
	Agriculture		0			0			0
	Total		1		$	520		$	520
Financing Receivable Credit Quality Indicators [Table Text Block]	(in thousands)	Commercial R.E.			Commercial R.E.			Land			Farmland			Commercial and Industrial			Consumer			Consumer Residential			Agriculture		Total
		Construction			Mortgages
	31-Mar-15
	Pass	$	16,328		$	316,166		$	6,070		$	25,301		$	47,798		$	812		$	24,443		$	9,431	$	446,349
	Special mention		-			429			-			-			1,460			-			-			-		1,889
	Substandard		-			212			2,983			67			1,570			45			50			-		4,927
	Doubtful		-			-			-			-			-			-			-			-		-
	Total loans	$	16,328		$	316,807		$	9,053		$	25,368		$	50,828		$	857		$	24,493		$	9,431	$	453,165
	31-Dec-14
	Pass	$	9,181		$	310,912		$	7,625		$	23,019		$	48,997		$	790		$	25,283		$	15,753	$	441,560
	Special mention		-			2,722			-			-			3,438			-			-			-		6,160
	Substandard		-			1,872			2,995			72			1,616			15			181			-		6,751
	Doubtful		-			-			-			-			-			-			-			-		-
	Total loans	$	9,181		$	315,506		$	10,620		$	23,091		$	54,051		$	805		$	25,464		$	15,753	$	454,471
Allowance for Credit Losses on Financing Receivables [Table Text Block]	Allowance for Loan Losses
	For the Three Months Ended March 31, 2015 and 2014
	(in thousands)	Commercial			Commercial						Consumer
	Three Months Ended March 31, 2015	Real Estate			and Industrial			Consumer			Residential			Agriculture			Unallocated			Total
	Beginning balance	$	5,963		$	720		$	42		$	388		$	286		$	135		$	7,534
	Charge-offs		0			0			(3	)		0			0			0			(3	)
	Recoveries		1			0			2			0			0			0			3
	(Reversal of) provision for loan losses		(154	)		(35	)		9			167			(105	)		(7	)		(125	)
	Ending balance	$	5,810		$	685		$	50		$	555		$	181		$	128		$	7,409
	Three Months Ended March 31, 2014
	Beginning balance	$	6,248		$	662		$	47		$	440		$	217		$	45		$	7,659
	Charge-offs		(50	)		0			(3	)		0			0			0			(53	)
	Recoveries		0			0			1			8			0			0			9
	Provision for (reversal of) loan losses		(6	)		80			0			(31	)		(2	)		(41	)		0
	Ending balance	$	6,192		$	742		$	45		$	417		$	215		$	4		$	7,615
	(in thousands)
		Commercial			Commercial						Consumer
	31-Mar-15	Real Estate			and Industrial			Consumer			Residential			Agriculture			Unallocated			Total
	Allowance for loan losses for loans:
	Individually evaluated for impairment	$	862		$	95		$	0		$	0		$	0		$	0		$	957
	Collectively evaluated for impairment		4,948			590			50			555			181			128			6,452
		$	5,810		$	685		$	50		$	555		$	181		$	128		$	7,409
	Ending gross loan balances:
	Individually evaluated for impairment	$	3,050		$	1,362		$	0		$	0		$	0		$	0		$	4,412
	Collectively evaluated for impairment		364,506			49,466			857			24,493			9,431			0			448,753
		$	367,556		$	50,828		$	857		$	24,493		$	9,431		$	0		$	453,165
	31-Dec-14
	Allowance for loan losses for loans:
	Individually evaluated for impairment	$	993		$	0		$	0		$	0		$	0		$	0		$	993
	Collectively evaluated for impairment		4,970			720			42			388			286			135			6,541
		$	5,963		$	720		$	42		$	388		$	286		$	135		$	7,534
	Ending balances of loans:
	Individually evaluated for impairment	$	4,363		$	337		$	0		$	0		$	0		$	0		$	4,700
	Collectively evaluated for impairment		354,035			53,714			805			25,464			15,753			0			449,771
		$	358,398		$	54,051		$	805		$	25,464		$	15,753		$	0		$	454,471
	31-Mar-14
	Allowance for loan losses for loans:
	Individually evaluated for impairment	$	1,071		$	0		$	0		$	0		$	0		$	0		$	1,071
	Collectively evaluated for impairment		5,121			742			45			417			215			4			6,544
		$	6,192		$	742		$	45		$	417		$	215		$	4		$	7,615
	Ending gross loan balances:
	Individually evaluated for impairment	$	4,897		$	351		$	0		$	0		$	0		$	0		$	5,248
	Collectively evaluated for impairment		345,153			40,736			846			19,160			11,367			0			417,262
		$	350,050		$	41,087		$	846		$	19,160		$	11,367		$	0		$	422,510
Change in Allowance For Loan Losses [Table Text Block]		THREE MONTHS ENDED MARCH 31,
	(in thousands)	2015			2014
	Balance, beginning of period	$	218		$	134
	Provision (Reversal) to Operations for Off Balance Sheet Commitments		9			(3	)
	Balance, end of period	$	227		$	131
Weighted Average [Member]
Note 4 - Loans (Tables) [Line Items]
Financing Receivable Credit Quality Indicators [Table Text Block]		31-Mar-15			31-Dec-14
					Weighted Average Risk Grade
		Weighted Average Risk Grade
	Commercial real estate:
	Commercial real estate - construction		3.15			3
	Commercial real estate - mortgages		3.12			3.15
	Land		4.41			4.34
	Farmland		3.01			3.01
	Commercial and industrial		3.33			3.39
	Consumer		2.24			2.12
	Consumer residential		3.01			3.02
	Agriculture		3.3			3.18
	Total gross loans		3.16			3.19

Note_7_Financial_Instruments_a1

Note 7 - Financial Instruments and Fair Value Measurements (Tables)	3 Months Ended
	Mar. 31, 2015
Disclosure Text Block [Abstract]
Fair Value, by Balance Sheet Grouping [Table Text Block]								Hierarchy
	(in thousands)	Carrying			Fair			Valuation
		Amount			Value			Level
	Financial assets:
	Cash and cash equivalents	$	149,698		$	149,698			1
	Restricted equity securities		3,275			3,275			2
	Loans, net		445,316			452,226			3
	Interest receivable		1,843			1,843			2
	Financial liabilities:
	Deposits		(672,991	)		(611,414	)		3
	Interest payable		(30	)		(30	)		2
	Off-balance-sheet assets (liabilities):
	Commitments and standby letters of credit					(874	)		3
								Hierarchy
	(in thousands)	Carrying			Fair			Valuation
		Amount			Value			Level
	Financial assets:
	Cash and cash equivalents	$	144,288		$	144,288			1
	Restricted equity securities		3,275			3,275			2
	Loans, net		446,492			455,501			3
	Interest receivable		2,024			2,024			2
	Financial liabilities:
	Deposits		(669,581	)		(600,941	)		3
	Interest payable		(39	)		(39	)		2
	Off-balance-sheet assets (liabilities):
	Commitments and standby letters of credit					(848	)		3
Fair Value Measurements, Recurring and Nonrecurring [Table Text Block]		Fair Value Measurements at March 31, 2015 Using
	(in thousands)	31-Mar-15			Quoted Prices			Significant		Significant
					in Active			Other		Unobservable
					Markets for			Observable		Inputs
					Identical Assets			Inputs		(Level 3)
					(Level 1)			(Level 2)
	Assets and liabilities measured on a recurring basis:
	Available-for-sale securities:
	U.S. agencies	$	38,667		$	0		$	38,667	$	0
	Collateralized mortgage obligations		5,684			0			5,684		0
	Municipalities		55,901			0			55,901		0
	SBA pools		880			0			880		0
	Corporate debt		8,804			0			8,804		0
	Asset backed securities		8,247			0			8,247		0
	Mutual fund		3,005			3,005			0		0
	Assets and liabilities measured on a non-recurring basis:
	Impaired loans:
	Land	$	388		$	0		$	0	$	388
	Commercial and industrial		933			0			0		933
	Other real estate owned		834			0			0		834
		Fair Value Measurements at December 31, 2014 Using
	(in thousands)
		December 31,			Quoted Prices			Significant		Significant
		2014			in Active			Other		Unobservable
					Markets for			Observable		Inputs
					Identical Assets			Inputs		(Level 3)
					(Level 1)			(Level 2)
	Assets and liabilities measured on a recurring basis:
	Available-for-sale securities
	U.S. agencies	$	41,930		$	0		$	41,930	$	0
	Collateralized mortgage obligations		7,072			0			7,072		0
	Municipalities		50,897			0			50,897		0
	SBA pools		892			0			892		0
	Corporate debt		6,804			0			6,804		0
	Asset backed securities		10,710			0			10,710		0
	Mutual fund		2,972			2,972			0		0
	Assets and liabilities measured on a non-recurring basis:
	Impaired loans:
	Land	$	1,743		$	0		$	0	$	1,743
	Commercial real estate - mortgages		1,171			0			0		1,171
	Other real estate owned		884			0			0		884

Note_8_Earnings_Per_Share_Tabl

Note 8 - 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]		THREE MONTHS ENDED
	(In thousands)	MARCH 31,
		2015		2014
	BASIC EARNINGS PER SHARE
	Net income	$	1,526	$	1,408
	Weighted average shares outstanding		7,972		7,878
	Net income per common share	$	0.19	$	0.18
	DILUTED EARNINGS PER SHARE
	Net income	$	1,526	$	1,408
	Weighted average shares outstanding		7,972		7,878
	Effect of dilutive stock options		2		14
	Effect of dilutive non-vested restricted shares		51		49
	Weighted average shares of common stock and common stock equivalents		8,025		7,941
	Net income per diluted common share	$	0.19	$	0.18

Note_3_Securities_Details

Note 3 - Securities (Details) (USD $)	3 Months Ended
	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2014
Note 3 - Securities (Details) [Line Items]
Available-for-sale Securities, Gross Realized Gains (in Dollars)	$128,000	$8,000
Available-for-sale Securities, Gross Realized Losses (in Dollars)	19,000	0
Security Owned and Pledged as Collateral, Fair Value (in Dollars)	$57,182,000		$60,474,000
US Government Agencies Debt Securities [Member]
Note 3 - Securities (Details) [Line Items]
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions, Greater than or Equal to One Year	3
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions, Less than One Year	5
SBA Pool [Member]
Note 3 - Securities (Details) [Line Items]
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions, Greater than or Equal to One Year	2
Collateralized Mortgage Obligations [Member]
Note 3 - Securities (Details) [Line Items]
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions, Greater than or Equal to One Year	1
Asset-backed Securities [Member]
Note 3 - Securities (Details) [Line Items]
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions, Greater than or Equal to One Year	1
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions, Less than One Year	2
Mutual Fund [Member]
Note 3 - Securities (Details) [Line Items]
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions, Greater than or Equal to One Year			1
US States and Political Subdivisions Debt Securities [Member]
Note 3 - Securities (Details) [Line Items]
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions, Greater than or Equal to One Year			11
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions, Less than One Year			1
Corporate Debt Securities [Member]
Note 3 - Securities (Details) [Line Items]
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions, Less than One Year			1

Note_3_Securities_Details_Amor

Note 3 - Securities (Details) - Amortized Cost and Estimated Fair Values of Debt Securities (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale securities: Amortized Cost	$118,023	$118,103
Available-for-sale securities: Gross Unrealized Gains	3,656	3,802
Available-for-sale securities: Gross Unrealized Losses	-491	-628
Available-for-sale securities: Fair Market Value	121,188	121,277
US Government Agencies Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale securities: Amortized Cost	37,173	40,316
Available-for-sale securities: Gross Unrealized Gains	1,562	1,760
Available-for-sale securities: Gross Unrealized Losses	-68	-146
Available-for-sale securities: Fair Market Value	38,667	41,930
Collateralized Mortgage Obligations [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale securities: Amortized Cost	5,611	6,927
Available-for-sale securities: Gross Unrealized Gains	96	184
Available-for-sale securities: Gross Unrealized Losses	-23	-39
Available-for-sale securities: Fair Market Value	5,684	7,072
US States and Political Subdivisions Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale securities: Amortized Cost	54,251	49,396
Available-for-sale securities: Gross Unrealized Gains	1,899	1,713
Available-for-sale securities: Gross Unrealized Losses	-249	-212
Available-for-sale securities: Fair Market Value	55,901	50,897
SBA Pool [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale securities: Amortized Cost	883	895
Available-for-sale securities: Gross Unrealized Gains	0	0
Available-for-sale securities: Gross Unrealized Losses	-3	-3
Available-for-sale securities: Fair Market Value	880	892
Corporate Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale securities: Amortized Cost	8,733	6,726
Available-for-sale securities: Gross Unrealized Gains	72	95
Available-for-sale securities: Gross Unrealized Losses	-1	-17
Available-for-sale securities: Fair Market Value	8,804	6,804
Asset-backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale securities: Amortized Cost	8,272	10,766
Available-for-sale securities: Gross Unrealized Gains	27	50
Available-for-sale securities: Gross Unrealized Losses	-52	-106
Available-for-sale securities: Fair Market Value	8,247	10,710
Mutual Fund [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale securities: Amortized Cost	3,100	3,077
Available-for-sale securities: Gross Unrealized Gains	0	0
Available-for-sale securities: Gross Unrealized Losses	-95	-105
Available-for-sale securities: Fair Market Value	$3,005	$2,972

Note_3_Securities_Details_Gros

Note 3 - Securities (Details) - Gross Unrealized Losses and Fair Value of Investments (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Note 3 - Securities (Details) - Gross Unrealized Losses and Fair Value of Investments [Line Items]
Description of Securities- Fair Value Less than 12 months	$17,007	$9,311
Description of Securities-Unrealized Loss Less than 12 months	-204	-118
Description of Securities-Fair Value 12 months or more	16,271	27,517
Description of Securities-Unrealized Loss 12 months or more	-287	-510
Description of Securities-Fair Value	33,278	36,828
Description of Securities-Unrealized Loss	-491	-628
US Government Agencies Debt Securities [Member]
Note 3 - Securities (Details) - Gross Unrealized Losses and Fair Value of Investments [Line Items]
Description of Securities- Fair Value Less than 12 months	1,415	0
Description of Securities-Unrealized Loss Less than 12 months	-13	0
Description of Securities-Fair Value 12 months or more	4,839	8,446
Description of Securities-Unrealized Loss 12 months or more	-55	-146
Description of Securities-Fair Value	6,254	8,446
Description of Securities-Unrealized Loss	-68	-146
Collateralized Mortgage Obligations [Member]
Note 3 - Securities (Details) - Gross Unrealized Losses and Fair Value of Investments [Line Items]
Description of Securities- Fair Value Less than 12 months	0	0
Description of Securities-Unrealized Loss Less than 12 months	0	0
Description of Securities-Fair Value 12 months or more	1,413	1,445
Description of Securities-Unrealized Loss 12 months or more	-23	-39
Description of Securities-Fair Value	1,413	1,445
Description of Securities-Unrealized Loss	-23	-39
US States and Political Subdivisions Debt Securities [Member]
Note 3 - Securities (Details) - Gross Unrealized Losses and Fair Value of Investments [Line Items]
Description of Securities- Fair Value Less than 12 months	12,863	3,530
Description of Securities-Unrealized Loss Less than 12 months	-169	-22
Description of Securities-Fair Value 12 months or more	3,287	12,791
Description of Securities-Unrealized Loss 12 months or more	-80	-190
Description of Securities-Fair Value	16,150	16,321
Description of Securities-Unrealized Loss	-249	-212
SBA Pool [Member]
Note 3 - Securities (Details) - Gross Unrealized Losses and Fair Value of Investments [Line Items]
Description of Securities- Fair Value Less than 12 months	0	0
Description of Securities-Unrealized Loss Less than 12 months	0	0
Description of Securities-Fair Value 12 months or more	880	892
Description of Securities-Unrealized Loss 12 months or more	-3	-3
Description of Securities-Fair Value	880	892
Description of Securities-Unrealized Loss	-3	-3
Corporate Debt Securities [Member]
Note 3 - Securities (Details) - Gross Unrealized Losses and Fair Value of Investments [Line Items]
Description of Securities- Fair Value Less than 12 months	750	1,983
Description of Securities-Unrealized Loss Less than 12 months	-1	-17
Description of Securities-Fair Value 12 months or more	0	0
Description of Securities-Unrealized Loss 12 months or more	0	0
Description of Securities-Fair Value	750	1,983
Description of Securities-Unrealized Loss	-1	-17
Asset-backed Securities [Member]
Note 3 - Securities (Details) - Gross Unrealized Losses and Fair Value of Investments [Line Items]
Description of Securities- Fair Value Less than 12 months	1,979	3,798
Description of Securities-Unrealized Loss Less than 12 months	-21	-79
Description of Securities-Fair Value 12 months or more	2,847	971
Description of Securities-Unrealized Loss 12 months or more	-31	-27
Description of Securities-Fair Value	4,826	4,769
Description of Securities-Unrealized Loss	-52	-106
Mutual Fund [Member]
Note 3 - Securities (Details) - Gross Unrealized Losses and Fair Value of Investments [Line Items]
Description of Securities- Fair Value Less than 12 months	0	0
Description of Securities-Unrealized Loss Less than 12 months	0	0
Description of Securities-Fair Value 12 months or more	3,005	2,972
Description of Securities-Unrealized Loss 12 months or more	-95	-105
Description of Securities-Fair Value	3,005	2,972
Description of Securities-Unrealized Loss	($95)	($105)

Note_3_Securities_Details_Amor1

Note 3 - Securities (Details) - Amortized Cost and Estimated Fair Values of Debt Securities by Contractual Maturity or Call Date (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Amortized Cost and Estimated Fair Values of Debt Securities by Contractual Maturity or Call Date [Abstract]
Due in one year or less	$11,222
Due in one year or less	11,611
Due after one year through five years	28,557
Due after one year through five years	30,098
Due after five years through ten years	41,072
Due after five years through ten years	41,417
Due after ten years	37,172
Due after ten years	38,062
	118,023	118,103
	$121,188

Note_4_Loans_Details

Note 4 - Loans (Details) (USD $)	0 Months Ended	3 Months Ended		12 Months Ended
	Mar. 31, 2015	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2014
Note 4 - Loans (Details) [Line Items]
Loans and Leases Receivable, Percentage of Outstanding Principal Balance Secured by Owner Occupied Properties	37.80%	37.80%
Underwriting Standards, Loan To Value Percentage	80.00%	80.00%
Underwriting Standards, Housing Percentage	36.00%	36.00%
Underwriting Standards, Total Debt Ratio	42.00%	42.00%
Loans and Leases Receivable, Impaired, Interest Lost on Nonaccrual Loans (in Dollars)		$82,000	$130,000
Impaired Financing Receivable, Interest Income, Accrual Method (in Dollars)		0	0
Impaired Financing Receivable, Average Recorded Investment (in Dollars)		4,555,000	3,000,000	4,096,000
Financing Receivable, Modifications, Number of Contracts	5	0	1	5
Financing Receivable, Modifications, Recorded Investment (in Dollars)	3,317,000	3,317,000		3,332,000
Allowance for Credit Losses, Change in Method of Calculating Impairment (in Dollars)	862,000	862,000		868,000
Financing Receivable, Modifications, Subsequent Default, Number of Contracts		0	0
Financing Receivable Modifications, Period Contractually Past Due for Loan to Be Considered in Payment Default		90 days
Loans and Leases Receivable, Minimum Cash Collateral Percent	110.00%	110.00%
Loans and Leases Receivable, Gross (in Dollars)	453,165,000	453,165,000	422,510,000	454,471,000
Commercial Real Estate Loan [Member]
Note 4 - Loans (Details) [Line Items]
Loans and Leases Receivable, Gross Carrying Amount As Percentage of Total Loans	81.00%	81.00%
General Commercial [Member]
Note 4 - Loans (Details) [Line Items]
Loans and Leases Receivable, Gross Carrying Amount As Percentage of Total Loans	11.00%	11.00%
Residential Real Estate and Other Consumer Loans [Member]
Note 4 - Loans (Details) [Line Items]
Loans and Leases Receivable, Gross Carrying Amount As Percentage of Total Loans	6.00%	6.00%
Agriculture [Member]
Note 4 - Loans (Details) [Line Items]
Loans and Leases Receivable, Gross Carrying Amount As Percentage of Total Loans	2.00%	2.00%
Substandard [Member]
Note 4 - Loans (Details) [Line Items]
Financing Receivable Rating Example, Percentage of Loans Classified in Rating Category		40.00%
Loans and Leases Receivable, Gross (in Dollars)	$4,927,000	$4,927,000		$6,751,000
Doubtful [Member]
Note 4 - Loans (Details) [Line Items]
Financing Receivable Rating Example, Percentage of Loans Classified in Rating Category		25.00%
Unlikely to be Collected Financing Receivable [Member]
Note 4 - Loans (Details) [Line Items]
Financing Receivable, Modifications, Number of Contracts		0
Financing Receivable Rating Example, Percentage of Loans Classified in Rating Category		35.00%
Minimum [Member]
Note 4 - Loans (Details) [Line Items]
Financing Receivable, Rating Example Disbursement to Unsecured Creditors by Illusory Company in Liquidation, Percentage		40.00%
Maximum [Member]
Note 4 - Loans (Details) [Line Items]
Financing Receivable, Rating Example Disbursement to Unsecured Creditors by Illusory Company in Liquidation, Percentage		65.00%

Note_4_Loans_Details_Loans

Note 4 - Loans (Details) - Loans (USD $)	Mar. 31, 2015	Dec. 31, 2014	Mar. 31, 2014	Dec. 31, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$453,165,000	$454,471,000	$422,510,000
Deferred loan fees and costs, net	-440,000	-445,000
Allowance for loan losses	-7,409,000	-7,534,000	-7,615,000	-7,659,000
Net loans	445,316,000	446,492,000
Commercial Real Estate Construction Financing Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	16,328,000	9,181,000
Commercial Real Estate-Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	316,807,000	315,506,000
Land Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	9,053,000	10,620,000
Farmland [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	25,368,000	23,091,000
Commercial And Industrial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	50,828,000	54,051,000	41,087,000
Allowance for loan losses	-685,000	-720,000	-742,000	-662,000
Consumer Portfolio Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	857,000	805,000	846,000
Allowance for loan losses	-50,000	-42,000	-45,000	-47,000
Consumer Residential [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	24,493,000	25,464,000	19,160,000
Allowance for loan losses	-555,000	-388,000	-417,000	-440,000
Agriculture [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	9,431,000	15,753,000	11,367,000
Allowance for loan losses	($181,000)	($286,000)	($215,000)	($217,000)

Note_4_Loans_Details_Non_Accru

Note 4 - Loans (Details) - Non Accrual Loans (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Note 4 - Loans (Details) - Non Accrual Loans [Line Items]
Non Accrual Loans	$4,412	$4,700
Commercial Real Estate Construction Financing Receivable [Member]
Note 4 - Loans (Details) - Non Accrual Loans [Line Items]
Non Accrual Loans	0	0
Commercial Real Estate-Mortgages [Member]
Note 4 - Loans (Details) - Non Accrual Loans [Line Items]
Non Accrual Loans	0	1,296
Land Loan [Member]
Note 4 - Loans (Details) - Non Accrual Loans [Line Items]
Non Accrual Loans	2,983	2,995
Farmland [Member]
Note 4 - Loans (Details) - Non Accrual Loans [Line Items]
Non Accrual Loans	67	72
Commercial And Industrial [Member]
Note 4 - Loans (Details) - Non Accrual Loans [Line Items]
Non Accrual Loans	1,362	337
Consumer Portfolio Segment [Member]
Note 4 - Loans (Details) - Non Accrual Loans [Line Items]
Non Accrual Loans	0	0
Consumer Residential [Member]
Note 4 - Loans (Details) - Non Accrual Loans [Line Items]
Non Accrual Loans	0	0
Agriculture [Member]
Note 4 - Loans (Details) - Non Accrual Loans [Line Items]
Non Accrual Loans	$0	$0

Note_4_Loans_Details_Aging_of_

Note 4 - Loans (Details) - Aging of Past Due Loans (USD $)	Mar. 31, 2015	Dec. 31, 2014	Mar. 31, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual Loans- 30-59 Days Past Due	$72,000	$49,000
Nonaccrual Loans - 60-89 Days Past Due	500,000	1,296,000
Nonaccrual Loans - Greater Than 90 Days Past Due	3,912,000	2,888,000
Nonaccrual Loans - Total Past Due	4,484,000	4,233,000
Nonaccrual Loans - Current	448,681,000	450,238,000
Loans	453,165,000	454,471,000	422,510,000
Nonaccrual Loans - Greater Than 90 Days Past Due and Still Accruing	0	0
Commercial Real Estate Construction Financing Receivable [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual Loans- 30-59 Days Past Due	0	0
Nonaccrual Loans - 60-89 Days Past Due	0	0
Nonaccrual Loans - Greater Than 90 Days Past Due	0	0
Nonaccrual Loans - Total Past Due	0	0
Nonaccrual Loans - Current	16,328,000	9,181,000
Loans	16,328,000	9,181,000
Nonaccrual Loans - Greater Than 90 Days Past Due and Still Accruing	0	0
Commercial Real Estate-Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual Loans- 30-59 Days Past Due	34,000	35,000
Nonaccrual Loans - 60-89 Days Past Due	0	1,296,000
Nonaccrual Loans - Greater Than 90 Days Past Due	0	0
Nonaccrual Loans - Total Past Due	34,000	1,331,000
Nonaccrual Loans - Current	316,773,000	314,175,000
Loans	316,807,000	315,506,000
Nonaccrual Loans - Greater Than 90 Days Past Due and Still Accruing	0	0
Land Loan [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual Loans- 30-59 Days Past Due	0	0
Nonaccrual Loans - 60-89 Days Past Due	500,000	0
Nonaccrual Loans - Greater Than 90 Days Past Due	2,483,000	2,493,000
Nonaccrual Loans - Total Past Due	2,983,000	2,493,000
Nonaccrual Loans - Current	6,070,000	8,127,000
Loans	9,053,000	10,620,000
Nonaccrual Loans - Greater Than 90 Days Past Due and Still Accruing	0	0
Farmland [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual Loans- 30-59 Days Past Due	0	0
Nonaccrual Loans - 60-89 Days Past Due	0	0
Nonaccrual Loans - Greater Than 90 Days Past Due	67,000	72,000
Nonaccrual Loans - Total Past Due	67,000	72,000
Nonaccrual Loans - Current	25,301,000	23,019,000
Loans	25,368,000	23,091,000
Nonaccrual Loans - Greater Than 90 Days Past Due and Still Accruing	0	0
Commercial And Industrial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual Loans- 30-59 Days Past Due	0	14,000
Nonaccrual Loans - 60-89 Days Past Due	0	0
Nonaccrual Loans - Greater Than 90 Days Past Due	1,362,000	323,000
Nonaccrual Loans - Total Past Due	1,362,000	337,000
Nonaccrual Loans - Current	49,466,000	53,714,000
Loans	50,828,000	54,051,000	41,087,000
Nonaccrual Loans - Greater Than 90 Days Past Due and Still Accruing	0	0
Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual Loans- 30-59 Days Past Due	38,000	0
Nonaccrual Loans - 60-89 Days Past Due	0	0
Nonaccrual Loans - Greater Than 90 Days Past Due	0	0
Nonaccrual Loans - Total Past Due	38,000	0
Nonaccrual Loans - Current	819,000	805,000
Loans	857,000	805,000	846,000
Nonaccrual Loans - Greater Than 90 Days Past Due and Still Accruing	0	0
Consumer Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual Loans- 30-59 Days Past Due	0	0
Nonaccrual Loans - 60-89 Days Past Due	0	0
Nonaccrual Loans - Greater Than 90 Days Past Due	0	0
Nonaccrual Loans - Total Past Due	0	0
Nonaccrual Loans - Current	24,493,000	25,464,000
Loans	24,493,000	25,464,000	19,160,000
Nonaccrual Loans - Greater Than 90 Days Past Due and Still Accruing	0	0
Agriculture [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual Loans- 30-59 Days Past Due	0	0
Nonaccrual Loans - 60-89 Days Past Due	0	0
Nonaccrual Loans - Greater Than 90 Days Past Due	0	0
Nonaccrual Loans - Total Past Due	0	0
Nonaccrual Loans - Current	9,431,000	15,753,000
Loans	9,431,000	15,753,000	11,367,000
Nonaccrual Loans - Greater Than 90 Days Past Due and Still Accruing	$0	$0

Note_4_Loans_Details_Impaired_

Note 4 - Loans (Details) - Impaired Loans (USD $)	3 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2014
Commercial real estate:
Loans Receivable - Unpaid Contractual Principal Balance	$4,678		$4,956
Loans Receivable - Recorded Investment With No Allowance	401		408
Loans Receivable - Recorded Investment With Allowance	4,011		4,291
Loans Receivable - Total Recorded Investment	4,412		4,700
Loans Receivable - Related Allowance	957		993
Loans Receivable - Average Recorded Investment	4,555	3,000	4,096
Commercial Real Estate Construction Financing Receivable [Member]
Commercial real estate:
Loans Receivable - Unpaid Contractual Principal Balance	0		0
Loans Receivable - Recorded Investment With No Allowance	0		0
Loans Receivable - Recorded Investment With Allowance	0		0
Loans Receivable - Total Recorded Investment	0		0
Loans Receivable - Related Allowance	0		0
Loans Receivable - Average Recorded Investment	0		0
Commercial Real Estate-Mortgages [Member]
Commercial real estate:
Loans Receivable - Unpaid Contractual Principal Balance	0		1,301
Loans Receivable - Recorded Investment With No Allowance	0		0
Loans Receivable - Recorded Investment With Allowance	0		1,296
Loans Receivable - Total Recorded Investment	0		1,296
Loans Receivable - Related Allowance	0		125
Loans Receivable - Average Recorded Investment	648		555
Land Loan [Member]
Commercial real estate:
Loans Receivable - Unpaid Contractual Principal Balance	3,215		3,215
Loans Receivable - Recorded Investment With No Allowance	0		0
Loans Receivable - Recorded Investment With Allowance	2,983		2,995
Loans Receivable - Total Recorded Investment	2,983		2,995
Loans Receivable - Related Allowance	862		868
Loans Receivable - Average Recorded Investment	2,989		3,155
Farmland [Member]
Commercial real estate:
Loans Receivable - Unpaid Contractual Principal Balance	76		80
Loans Receivable - Recorded Investment With No Allowance	67		72
Loans Receivable - Recorded Investment With Allowance	0		0
Loans Receivable - Total Recorded Investment	67		72
Loans Receivable - Related Allowance	0		0
Loans Receivable - Average Recorded Investment	69		82
Commercial And Industrial [Member]
Commercial real estate:
Loans Receivable - Unpaid Contractual Principal Balance	1,387		359
Loans Receivable - Recorded Investment With No Allowance	334		337
Loans Receivable - Recorded Investment With Allowance	1,028		0
Loans Receivable - Total Recorded Investment	1,362		337
Loans Receivable - Related Allowance	95		0
Loans Receivable - Average Recorded Investment	849		304
Consumer Portfolio Segment [Member]
Commercial real estate:
Loans Receivable - Unpaid Contractual Principal Balance	0		0
Loans Receivable - Recorded Investment With No Allowance	0		0
Loans Receivable - Recorded Investment With Allowance	0		0
Loans Receivable - Total Recorded Investment	0		0
Loans Receivable - Related Allowance	0		0
Loans Receivable - Average Recorded Investment	0		0
Consumer Residential [Member]
Commercial real estate:
Loans Receivable - Unpaid Contractual Principal Balance	0		0
Loans Receivable - Recorded Investment With No Allowance	0		0
Loans Receivable - Recorded Investment With Allowance	0		0
Loans Receivable - Total Recorded Investment	0		0
Loans Receivable - Related Allowance	0		0
Loans Receivable - Average Recorded Investment	0		0
Agriculture [Member]
Commercial real estate:
Loans Receivable - Unpaid Contractual Principal Balance	0		0
Loans Receivable - Recorded Investment With No Allowance	0		0
Loans Receivable - Recorded Investment With Allowance	0		0
Loans Receivable - Total Recorded Investment	0		0
Loans Receivable - Related Allowance	0		0
Loans Receivable - Average Recorded Investment	$0		$0

Note_4_Loans_Details_Troubled_

Note 4 - Loans (Details) - Troubled Debt Restructurings (USD $)	0 Months Ended	3 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2014
Financing Receivable, Modifications [Line Items]
Loans Receivable - Number of Loans	5	0	1	5
Loans Receivable - Pre-Modification Outstanding Recorded Investment			$520
Loans Receivable - Post-Modification Outstanding Recorded Investment			520
Commercial Real Estate Construction Financing Receivable [Member]
Financing Receivable, Modifications [Line Items]
Loans Receivable - Number of Loans			0
Loans Receivable - Pre-Modification Outstanding Recorded Investment			0
Loans Receivable - Post-Modification Outstanding Recorded Investment			0
Commercial Real Estate-Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Loans Receivable - Number of Loans			0
Loans Receivable - Pre-Modification Outstanding Recorded Investment			0
Loans Receivable - Post-Modification Outstanding Recorded Investment			0
Land Loan [Member]
Financing Receivable, Modifications [Line Items]
Loans Receivable - Number of Loans			1
Loans Receivable - Pre-Modification Outstanding Recorded Investment			520
Loans Receivable - Post-Modification Outstanding Recorded Investment			520
Farmland [Member]
Financing Receivable, Modifications [Line Items]
Loans Receivable - Number of Loans			0
Loans Receivable - Pre-Modification Outstanding Recorded Investment			0
Loans Receivable - Post-Modification Outstanding Recorded Investment			0
Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Loans Receivable - Number of Loans			0
Loans Receivable - Pre-Modification Outstanding Recorded Investment			0
Loans Receivable - Post-Modification Outstanding Recorded Investment			0
Consumer Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Loans Receivable - Number of Loans			0
Loans Receivable - Pre-Modification Outstanding Recorded Investment			0
Loans Receivable - Post-Modification Outstanding Recorded Investment			0
Consumer Residential [Member]
Financing Receivable, Modifications [Line Items]
Loans Receivable - Number of Loans			0
Loans Receivable - Pre-Modification Outstanding Recorded Investment			0
Loans Receivable - Post-Modification Outstanding Recorded Investment			0
Agriculture [Member]
Financing Receivable, Modifications [Line Items]
Loans Receivable - Number of Loans			0
Loans Receivable - Pre-Modification Outstanding Recorded Investment			0
Loans Receivable - Post-Modification Outstanding Recorded Investment			$0

Note_4_Loans_Details_Weighted_

Note 4 - Loans (Details) - Weighted Average Risk Grades Of Loan Portfolio	3 Months Ended	12 Months Ended
	Mar. 31, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Weighted average risk grade of loans	3.16	3.19
Commercial Real Estate Construction Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Weighted average risk grade of loans	3.15	3
Commercial Real Estate-Mortgages [Member]
Financing Receivable, Recorded Investment [Line Items]
Weighted average risk grade of loans	3.12	3.15
Land Loan [Member]
Financing Receivable, Recorded Investment [Line Items]
Weighted average risk grade of loans	4.41	4.34
Farmland [Member]
Financing Receivable, Recorded Investment [Line Items]
Weighted average risk grade of loans	3.01	3.01
Commercial And Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Weighted average risk grade of loans	3.33	3.39
Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Weighted average risk grade of loans	2.24	2.12
Consumer Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
Weighted average risk grade of loans	3.01	3.02
Agriculture [Member]
Financing Receivable, Recorded Investment [Line Items]
Weighted average risk grade of loans	3.3	3.18

Note_4_Loans_Details_Loans_by_

Note 4 - Loans (Details) - Loans by Credit Quality Indicator (USD $)	Mar. 31, 2015	Dec. 31, 2014	Mar. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Loans	$453,165,000	$454,471,000	$422,510,000
Commercial Real Estate Construction Financing Receivable [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	16,328,000	9,181,000
Commercial Real Estate Construction Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	16,328,000	9,181,000
Commercial Real Estate-Mortgages [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	316,166,000	310,912,000
Commercial Real Estate-Mortgages [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	429,000	2,722,000
Commercial Real Estate-Mortgages [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	212,000	1,872,000
Commercial Real Estate-Mortgages [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	316,807,000	315,506,000
Land Loan [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	6,070,000	7,625,000
Land Loan [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	2,983,000	2,995,000
Land Loan [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	9,053,000	10,620,000
Farmland [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	25,301,000	23,019,000
Farmland [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	67,000	72,000
Farmland [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	25,368,000	23,091,000
Commercial And Industrial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	47,798,000	48,997,000
Commercial And Industrial [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,460,000	3,438,000
Commercial And Industrial [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,570,000	1,616,000
Commercial And Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	50,828,000	54,051,000	41,087,000
Consumer Portfolio Segment [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	812,000	790,000
Consumer Portfolio Segment [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	45,000	15,000
Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	857,000	805,000	846,000
Consumer Residential [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	24,443,000	25,283,000
Consumer Residential [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	50,000	181,000
Consumer Residential [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	24,493,000	25,464,000	19,160,000
Agriculture [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	9,431,000	15,753,000
Agriculture [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	9,431,000	15,753,000	11,367,000
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	446,349,000	441,560,000
Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,889,000	6,160,000
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	$4,927,000	$6,751,000

Note_4_Loans_Details_Allowance

Note 4 - Loans (Details) - Allowance for Loan Losses (USD $)	3 Months Ended
	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2014
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	$7,534,000	$7,659,000
Ending balance	7,409,000	7,615,000
Allowance for loan losses for loans:
Individually evaluated for impairment	957,000	1,071,000	993,000
Collectively evaluated for impairment	6,452,000	6,544,000	6,541,000
Ending gross loan balances:
Individually evaluated for impairment	4,412,000	5,248,000	4,700,000
Collectively evaluated for impairment	448,753,000	417,262,000	449,771,000
Loans and Leases Receivable Gross Carrying Amount	453,165,000	422,510,000	454,471,000
Charge-offs	-3,000	-53,000
Recoveries	3,000	9,000
Provision for (reversal of) loan losses	-125,000	0
Commercial Real Estate Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	5,963,000	6,248,000
Ending balance	5,810,000	6,192,000
Allowance for loan losses for loans:
Individually evaluated for impairment	862,000	1,071,000	993,000
Collectively evaluated for impairment	4,948,000	5,121,000	4,970,000
Ending gross loan balances:
Individually evaluated for impairment	3,050,000	4,897,000	4,363,000
Collectively evaluated for impairment	364,506,000	345,153,000	354,035,000
Loans and Leases Receivable Gross Carrying Amount	367,556,000	350,050,000	358,398,000
Charge-offs	0	-50,000
Recoveries	1,000	0
Provision for (reversal of) loan losses	-154,000	-6,000
Commercial And Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	720,000	662,000
Ending balance	685,000	742,000
Allowance for loan losses for loans:
Individually evaluated for impairment	95,000	0	0
Collectively evaluated for impairment	590,000	742,000	720,000
Ending gross loan balances:
Individually evaluated for impairment	1,362,000	351,000	337,000
Collectively evaluated for impairment	49,466,000	40,736,000	53,714,000
Loans and Leases Receivable Gross Carrying Amount	50,828,000	41,087,000	54,051,000
Charge-offs	0	0
Recoveries	0	0
Provision for (reversal of) loan losses	-35,000	80,000
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	42,000	47,000
Ending balance	50,000	45,000
Allowance for loan losses for loans:
Individually evaluated for impairment	0	0	0
Collectively evaluated for impairment	50,000	45,000	42,000
Ending gross loan balances:
Individually evaluated for impairment	0	0	0
Collectively evaluated for impairment	857,000	846,000	805,000
Loans and Leases Receivable Gross Carrying Amount	857,000	846,000	805,000
Charge-offs	-3,000	-3,000
Recoveries	2,000	1,000
Provision for (reversal of) loan losses	9,000	0
Consumer Residential [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	388,000	440,000
Ending balance	555,000	417,000
Allowance for loan losses for loans:
Individually evaluated for impairment	0	0	0
Collectively evaluated for impairment	555,000	417,000	388,000
Ending gross loan balances:
Individually evaluated for impairment	0	0	0
Collectively evaluated for impairment	24,493,000	19,160,000	25,464,000
Loans and Leases Receivable Gross Carrying Amount	24,493,000	19,160,000	25,464,000
Charge-offs	0	0
Recoveries	0	8,000
Provision for (reversal of) loan losses	167,000	-31,000
Agriculture [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	286,000	217,000
Ending balance	181,000	215,000
Allowance for loan losses for loans:
Individually evaluated for impairment	0	0	0
Collectively evaluated for impairment	181,000	215,000	286,000
Ending gross loan balances:
Individually evaluated for impairment	0	0	0
Collectively evaluated for impairment	9,431,000	11,367,000	15,753,000
Loans and Leases Receivable Gross Carrying Amount	9,431,000	11,367,000	15,753,000
Charge-offs	0	0
Recoveries	0	0
Provision for (reversal of) loan losses	-105,000	-2,000
Unallocated Financing Receivables [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	135,000	45,000
Ending balance	128,000	4,000
Allowance for loan losses for loans:
Individually evaluated for impairment	0	0	0
Collectively evaluated for impairment	128,000	4,000	135,000
Ending gross loan balances:
Individually evaluated for impairment	0	0	0
Collectively evaluated for impairment	0	0	0
Loans and Leases Receivable Gross Carrying Amount	0	0	0
Charge-offs	0	0
Recoveries	0	0
Provision for (reversal of) loan losses	($7,000)	($41,000)

Note_4_Loans_Details_Changes_i

Note 4 - Loans (Details) - Changes in the Allowance Off Balance Sheet Commitments (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Changes in the Allowance Off Balance Sheet Commitments [Abstract]
Balance, beginning of period	$218	$134
Provision (Reversal) to Operations for Off Balance Sheet Commitments	9	-3
Balance, end of period	$227	$131

Note_5_Other_Real_Estate_Owned1

Note 5 - Other Real Estate Owned (Details) (USD $)	3 Months Ended		12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2014
Note 5 - Other Real Estate Owned (Details) [Line Items]
Number of Real Estate Properties	3		3
Real Estate Acquired Through Foreclosure	$834,000		$884,000
Write Downs and Gain (Losses) on Sale of Other Real Estate	-50,000	0
Proceeds from Sale of Other Real Estate	0	3
Residential Land [Member]
Note 5 - Other Real Estate Owned (Details) [Line Items]
Number of Real Estate Properties	1		1
Real Estate Acquired Through Foreclosure	0		0
Write Downs and Gain (Losses) on Sale of Other Real Estate	$0		$0

Note_6_Other_PostRetirement_Be1

Note 6 - Other Post-Retirement Benefit Plans (Details) (USD $)	1 Months Ended		3 Months Ended
	Mar. 31, 2014	Jan. 31, 2008	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2014
Note 6 - Other Post-Retirement Benefit Plans (Details) [Line Items]
Other Postretirement Defined Benefit Plan, Expected Annual Future Benefit Payments Period			20 years
Other Postretirement Defined Benefit Plan, Liabilities			$2,275,000		$2,222,000
Payments to Acquire Life Insurance Policies	1,000,000	4,700,000	0	1,029,000
Bank Owned Life Insurance			$13,653,000		$13,549,000
Director Retirement Plan [Member]
Note 6 - Other Post-Retirement Benefit Plans (Details) [Line Items]
Other Postretirement Defined Benefit Plan, Expected Annual Future Benefit Payments Period			10 years

Note_7_Financial_Instruments_a2

Note 7 - Financial Instruments and Fair Value Measurements (Details) (Fair Value, Inputs, Level 3 [Member], Other Real Estate Owned [Member])	3 Months Ended
	Mar. 31, 2015
Fair Value, Inputs, Level 3 [Member] | Other Real Estate Owned [Member]
Note 7 - Financial Instruments and Fair Value Measurements (Details) [Line Items]
Fair Value Inputs, Discount Rate	6.00%

Note_7_Financial_Instruments_a3

Note 7 - Financial Instruments and Fair Value Measurements (Details) - Fair Value of Financial Instruments (USD $)	Mar. 31, 2015	Dec. 31, 2014	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Financial assets:
Cash and cash equivalents	$149,698	$144,288	$115,654	$105,191
Loans, net	445,316	446,492
Financial liabilities:
Deposits	672,991	669,581
Fair Value, Inputs, Level 1 [Member]
Financial assets:
Cash and cash equivalents	149,698	144,288
Cash and cash equivalents	149,698	144,288
Fair Value, Inputs, Level 2 [Member]
Financial assets:
Restricted equity securities	3,275	3,275
Restricted equity securities	3,275	3,275
Interest receivable	1,843	2,024
Financial liabilities:
Interest payable	-30	-39
Fair Value, Inputs, Level 3 [Member]
Financial assets:
Loans, net	445,316	446,492
Loans, net	452,226	455,501
Financial liabilities:
Deposits	-672,991	-669,581
Deposits	-611,414	-600,941
Off-balance-sheet assets (liabilities):
Commitments and standby letters of credit	($874)	($848)

Note_7_Financial_Instruments_a4

Note 7 - Financial Instruments and Fair Value Measurements (Details) - Assets and Liabilities Measured at Fair Value on Recurring and Non Recurring Basis (USD $)	Mar. 31, 2015	Dec. 31, 2014
Available-for-sale securities:
Available-for-sale securities	$121,188,000	$121,277,000
Impaired loans:
Other real estate owned	834,000	884,000
US Government Agencies Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-sale securities:
Available-for-sale securities	0	0
US Government Agencies Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-sale securities:
Available-for-sale securities	38,667,000	41,930,000
US Government Agencies Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-sale securities:
Available-for-sale securities	0	0
US Government Agencies Debt Securities [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-sale securities:
Available-for-sale securities	38,667,000	41,930,000
Collateralized Mortgage Obligations [Member] | Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-sale securities:
Available-for-sale securities	0	0
Collateralized Mortgage Obligations [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-sale securities:
Available-for-sale securities	5,684,000	7,072,000
Collateralized Mortgage Obligations [Member] | Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-sale securities:
Available-for-sale securities	0	0
Collateralized Mortgage Obligations [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-sale securities:
Available-for-sale securities	5,684,000	7,072,000
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-sale securities:
Available-for-sale securities	0	0
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-sale securities:
Available-for-sale securities	55,901,000	50,897,000
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-sale securities:
Available-for-sale securities	0	0
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-sale securities:
Available-for-sale securities	55,901,000	50,897,000
SBA Pool [Member] | Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-sale securities:
Available-for-sale securities	0	0
SBA Pool [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-sale securities:
Available-for-sale securities	880,000	892,000
SBA Pool [Member] | Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-sale securities:
Available-for-sale securities	0	0
SBA Pool [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-sale securities:
Available-for-sale securities	880,000	892,000
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-sale securities:
Available-for-sale securities	0	0
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-sale securities:
Available-for-sale securities	8,804,000	6,804,000
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-sale securities:
Available-for-sale securities	0	0
Corporate Debt Securities [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-sale securities:
Available-for-sale securities	8,804,000	6,804,000
Asset-backed Securities [Member] | Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-sale securities:
Available-for-sale securities	0	0
Asset-backed Securities [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-sale securities:
Available-for-sale securities	8,247,000	10,710,000
Asset-backed Securities [Member] | Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-sale securities:
Available-for-sale securities	0	0
Asset-backed Securities [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-sale securities:
Available-for-sale securities	8,247,000	10,710,000
Mutual Fund [Member] | Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-sale securities:
Available-for-sale securities	3,005,000	2,972,000
Mutual Fund [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-sale securities:
Available-for-sale securities	0	0
Mutual Fund [Member] | Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-sale securities:
Available-for-sale securities	0	0
Mutual Fund [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-sale securities:
Available-for-sale securities	3,005,000	2,972,000
Land Loan [Member] | Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Nonrecurring [Member]
Impaired loans:
Impaired loans	0	0
Land Loan [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Nonrecurring [Member]
Impaired loans:
Impaired loans	0	0
Land Loan [Member] | Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member]
Impaired loans:
Impaired loans	388,000	1,743,000
Land Loan [Member] | Fair Value, Measurements, Nonrecurring [Member]
Impaired loans:
Impaired loans	388,000	1,743,000
Commercial And Industrial [Member] | Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Nonrecurring [Member]
Impaired loans:
Impaired loans	0
Commercial And Industrial [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Nonrecurring [Member]
Impaired loans:
Impaired loans	0
Commercial And Industrial [Member] | Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member]
Impaired loans:
Impaired loans	933,000
Commercial And Industrial [Member] | Fair Value, Measurements, Nonrecurring [Member]
Impaired loans:
Impaired loans	933,000
Commercial Real Estate-Mortgages [Member] | Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Nonrecurring [Member]
Impaired loans:
Impaired loans		0
Commercial Real Estate-Mortgages [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Nonrecurring [Member]
Impaired loans:
Impaired loans		0
Commercial Real Estate-Mortgages [Member] | Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member]
Impaired loans:
Impaired loans		1,171,000
Commercial Real Estate-Mortgages [Member] | Fair Value, Measurements, Nonrecurring [Member]
Impaired loans:
Impaired loans		1,171,000
Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Nonrecurring [Member]
Impaired loans:
Other real estate owned	0
Fair Value, Inputs, Level 1 [Member]
Impaired loans:
Other real estate owned		0
Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Nonrecurring [Member]
Impaired loans:
Other real estate owned	0
Fair Value, Inputs, Level 2 [Member]
Impaired loans:
Other real estate owned		0
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member]
Impaired loans:
Other real estate owned	834,000
Fair Value, Inputs, Level 3 [Member]
Impaired loans:
Other real estate owned		884,000
Fair Value, Measurements, Nonrecurring [Member]
Impaired loans:
Other real estate owned	$834,000

Note_8_Earnings_Per_Share_Deta

Note 8 - Earnings Per Share (Details) (USD $)	3 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Note 8 - Earnings Per Share (Details) [Line Items]
Number of Forms of Outstanding Common Stock	2
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	54,250
Equity Option [Member] | Minimum [Member]
Note 8 - Earnings Per Share (Details) [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	10.85	9.95
Equity Option [Member] | Maximum [Member]
Note 8 - Earnings Per Share (Details) [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	15.67	15.67
Equity Option [Member]
Note 8 - Earnings Per Share (Details) [Line Items]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount		68,500
Restricted Stock [Member]
Note 8 - Earnings Per Share (Details) [Line Items]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	0	0

Note_8_Earnings_Per_Share_Deta1

Note 8 - Earnings Per Share (Details) - Earnings Per Share (USD $)	3 Months Ended		12 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2014
BASIC EARNINGS PER SHARE
Net income (in Dollars)	$1,526	$1,408	$7,122
Weighted average shares outstanding	7,972	7,878
Net income per common share (in Dollars per share)	$0.19	$0.18
DILUTED EARNINGS PER SHARE
Net income (in Dollars)	$1,526	$1,408	$7,122
Weighted average shares outstanding	7,972	7,878
Effect of dilutive stock options	2	14
Effect of dilutive non-vested restricted shares	51	49
Weighted average shares of common stock and common stock equivalents	8,025	7,941
Net income per diluted common share (in Dollars per share)	$0.19	$0.18