ENB Financial (ENBP) 10-K/A 29 Mar 17 2016 FY Annual report (amended) Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2016	Feb. 15, 2017	Jun. 30, 2016
Document And Entity Information
Entity Registrant Name	ENB Financial Corp
Entity Central Index Key	1,437,479
Document Type	10-K
Document Period End Date	Dec. 31, 2016
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Is Entity a Well-known Seasoned Issuer?	No
Is Entity a Voluntary Filer?	No
Is Entity's Reporting Status Current?	Yes
Entity Filer Category	Smaller Reporting Company
Entity Public Float			$ 57,345,047
Entity Common Stock, Shares Outstanding		2,850,382
Document Fiscal Period Focus	FY
Document Fiscal Year Focus	2,016

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
ASSETS
Cash and due from banks	$ 19,852	$ 15,426
Interest-bearing deposits in other banks	25,780	28,801
Total cash and cash equivalents	45,632	44,227
Securities available for sale (at fair value)	308,111	289,423
Loans held for sale	2,552	1,126
Loans (net of unearned income)	571,567	520,283
Less: Allowance for loan losses	7,562	7,078
Net loans	564,005	513,205
Premises and equipment	22,568	21,696
Regulatory stock	5,372	4,314
Bank owned life insurance	24,687	23,869
Other assets	11,326	7,741
Total assets	984,253	905,601
Deposits:
Noninterest-bearing	280,543	236,214
Interest-bearing	536,948	503,848
Total deposits	817,491	740,062
Short-term borrowings	8,329	8,736
Long-term debt	61,257	59,594
Other liabilities	2,237	2,107
Total liabilities	889,314	810,499
Stockholders' equity:
Common stock, par value $0.20; Shares: Authorized 12,000,000 Issued 2,869,557 and Outstanding 2,850,382 (Issued 2,869,557 and Outstanding 2,849,524 as of 12/31/15)	574	574
Capital surplus	4,403	4,395
Retained earnings	95,475	91,029
Accumulated other comprehensive loss net of tax	(4,885)	(252)
Less: Treasury stock cost on 19,175 shares (20,033 shares as of 12/31/15)	(628)	(644)
Total stockholders' equity	94,939	95,102
Total liabilities and stockholders' equity	$ 984,253	$ 905,601

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - $ / shares	Dec. 31, 2016	Dec. 31, 2015
Statement of Financial Position [Abstract]
Common stock, par value	$ 0.20	$ 0.20
Common stock, authorized	12,000,000	12,000,000
Common stock, issued	2,869,557	2,869,557
Common stock, outstanding	2,850,382	2,849,524
Treasury shares	19,175	20,033

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Interest and dividend income:
Interest and fees on loans	$ 22,525	$ 20,205	$ 19,368
Interest on securities available for sale
Taxable	1,480	2,969	4,172
Tax-exempt	3,863	3,234	3,289
Interest on deposits at other banks	138	75	63
Dividend income	335	359	245
Total interest and dividend income	28,341	26,842	27,137
Interest expense:
Interest on deposits	2,067	2,484	3,090
Interest on borrowings	987	1,260	1,586
Total interest expense	3,054	3,744	4,676
Net interest income	25,287	23,098	22,461
Provision (credit) for loan losses	325	150	(50)
Net interest income after provision (credit) for loan losses	24,962	22,948	22,511
Other income:
Trust and investment services income	1,475	1,286	1,302
Service fees	2,259	2,019	1,770
Commissions	2,169	2,033	1,956
Gains on securities transactions, net	2,370	2,840	3,131
Impairment losses on securities:
Impairment gains on investment securities			15
Non-credit related losses on securities not expected to be sold in other comprehensive income before tax			(37)
Net impairment losses on investment securities			(22)
Gains on sale of mortgages	1,512	806	414
Earnings on bank-owned life insurance	785	726	640
Other income	574	345	357
Total other income	11,144	10,055	9,548
Operating expenses:
Salaries and employee benefits	16,769	14,796	13,943
Occupancy	2,183	2,092	1,958
Equipment	1,091	1,126	1,102
Advertising & marketing	614	552	474
Computer software & data processing	1,831	1,594	1,624
Shares tax	807	781	714
Professional services	1,590	1,443	1,395
Other expense	2,315	2,351	2,211
Total operating expenses	27,200	24,735	23,421
Income before income taxes	8,906	8,268	8,638
Provision for federal income taxes	1,353	1,358	1,546
Net income	$ 7,553	$ 6,910	$ 7,092
Earnings per share of common stock	$ 2.65	$ 2.42	$ 2.48
Cash dividends paid per share	$ 1.09	$ 1.08	$ 1.07
Weighted average shares outstanding	2,850,610	2,853,310	2,855,974

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Statement of Comprehensive Income [Abstract]
Net income	$ 7,553	$ 6,910	$ 7,092
Other-than-temporarily impaired securities available for sale:
Gains arising during the period			15
Income tax effect			(5)
Total			10
Losses recognized in earnings			22
Income tax effect			(7)
Total			15
Securities available for sale not other-than-temporarily impaired:
Unrealized gains (losses) arising during the period	(4,649)	941	10,581
Income tax effect	1,580	(320)	(3,598)
Total	(3,069)	621	6,983
Gains recognized in earnings	(2,370)	(2,840)	(3,131)
Income tax effect	806	965	1,065
Total	(1,564)	(1,875)	(2,066)
Other comprehensive income (loss), net of tax	(4,633)	(1,254)	4,942
Comprehensive Income	$ 2,920	$ 5,656	$ 12,034

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Treasury Stock [Member]	Total
Balance, beginning at Dec. 31, 2013	$ 574	$ 4,353	$ 83,165	$ (3,940)	$ (376)	$ 83,776
Net income			7,092			7,092
Other comprehensive income (loss), net of tax				4,942		4,942
Treasury stock purchased					(485)	(485)
Treasury stock issued		22			477	499
Cash dividends paid			(3,057)			(3,057)
Balance, ending at Dec. 31, 2014	574	4,375	87,200	1,002	(384)	92,767
Net income			6,910			6,910
Other comprehensive income (loss), net of tax				(1,254)		(1,254)
Treasury stock purchased					(752)	(752)
Treasury stock issued		20			492	512
Cash dividends paid			(3,081)			(3,081)
Balance, ending at Dec. 31, 2015	574	4,395	91,029	(252)	(644)	95,102
Net income			7,553			7,553
Other comprehensive income (loss), net of tax				(4,633)		(4,633)
Treasury stock purchased					(465)	(465)
Treasury stock issued		8			481	489
Cash dividends paid			(3,107)			(3,107)
Balance, ending at Dec. 31, 2016	$ 574	$ 4,403	$ 95,475	$ (4,885)	$ (628)	$ 94,939

CONSOLIDATED STATEMENTS OF CHA7

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parenthetical) - $ / shares	3 Months Ended												12 Months Ended			17 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2016
Statement of Stockholders' Equity [Abstract]
Treasury stock purchased, shares													14,000	22,935	15,650	26,135
Treasury stock issued, shares													14,858	15,623	16,460
Cash dividends paid, per share	$ 0.28	$ 0.27	$ 0.27	$ 0.27	$ 0.27	$ 0.27	$ 0.27	$ 0.27	$ 0.27	$ 0.27	$ 0.27	$ 0.26	$ 1.09	$ 1.08	$ 1.07

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Cash flows from operating activities:
Net income	$ 7,553	$ 6,910	$ 7,092
Adjustments to reconcile net income to net cash provided by operating activities:
Net amortization of securities premiums and discounts and loan fees	6,481	6,268	5,158
Decrease (increase) in interest receivable	(150)	106	(101)
Decrease in interest payable	(72)	(130)	(113)
Provision (credit) for loan losses	325	150	(50)
Gains on securities transactions, net	(2,370)	(2,840)	(3,131)
Impairment losses on securities			22
Gains on sale of mortgages	(1,512)	(806)	(414)
Loans originated for sale	(46,556)	(25,863)	(13,445)
Proceeds from sales of loans	46,642	26,049	13,412
Earnings on bank-owned life insurance	(785)	(726)	(640)
Loss on sale of other real estate owned		30	70
Depreciation of premises and equipment and amortization of software	1,623	1,548	1,453
Deferred income tax	(381)	275	531
Other assets and other liabilities, net	(354)	(563)	(705)
Net cash provided by operating activities	10,444	10,408	9,139
Securities available for sale:
Proceeds from maturities, calls, and repayments	59,094	45,941	35,390
Proceeds from sales	163,085	154,384	155,363
Purchases	(251,616)	(199,023)	(180,668)
Proceeds from sale of other real estate owned		176	74
Purchase of regulatory bank stock	(2,267)	(1,511)	(1,016)
Redemptions of regulatory bank stock	1,209	424	1,449
Purchase of bank-owned life insurance	(33)	(2,540)	(52)
Net increase in loans	(51,507)	(49,695)	(33,290)
Purchases of premises and equipment, net	(2,280)	(689)	(791)
Purchase of computer software	(326)	(180)	(145)
Net cash used for investing activities	(84,641)	(52,713)	(23,686)
Cash flows from financing activities:
Net increase in demand, NOW, and savings accounts	96,929	60,876	58,600
Net decrease in time deposits	(19,500)	(20,465)	(15,575)
Net increase (decrease) in short-term borrowings	(407)	8,736	(3,900)
Proceeds from long-term debt	17,163	12,794	13,800
Repayments of long-term debt	(15,500)	(15,500)	(16,500)
Dividends paid	(3,107)	(3,081)	(3,057)
Proceeds from sale of treasury stock	489	512	499
Treasury stock purchased	(465)	(752)	(485)
Net cash provided by financing activities	75,602	43,120	33,382
Increase in cash and cash equivalents	1,405	815	18,835
Cash and cash equivalents at beginning of period	44,227	43,412	24,577
Cash and cash equivalents at end of period	45,632	44,227	43,412
Supplemental disclosures of cash flow information:
Interest paid	3,126	3,874	4,789
Income taxes paid	1,840	1,067	750
Supplemental disclosure of non-cash investing and financing activities:
Net transfer of other real estate owned from loans		137	173
Fair value adjustments for securities available for sale	$ 7,019	$ (1,899)	$ 7,487

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 2016
Accounting Policies [Abstract]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	NOTE A - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Nature of Operations ENB Financial Corp, through its wholly owned subsidiary, Ephrata National Bank, provides financial services to Northern Lancaster County and surrounding communities. ENB Financial Corp, a bank holding company, was formed on July 1, 2008, to become the parent company of Ephrata National Bank, which existed as a stand-alone national bank since its formation on April 11, 1881. The Corporation’s wholly owned subsidiary, Ephrata National Bank, offers a full array of banking services including loan and deposit products for both personal and commercial customers, as well as trust and investment services, through twelve office locations. Basis of Presentation The consolidated financial statements of ENB Financial Corp and its subsidiary, Ephrata National Bank, (collectively “the Corporation”) conform to U.S. generally accepted accounting principles (GAAP). The preparation of these statements requires that management make estimates and assumptions that affect the reported amount of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Material estimates of the Corporation, including the allowance for loan losses, the fair market value of financial instruments, and deferred tax assets or liabilities, are evaluated regularly by management. Actual results could differ from the reported estimates given different conditions or assumptions. The accounting and reporting policies followed by the Corporation conform with U.S. GAAP and to general practices within the banking industry. All significant intercompany transactions have been eliminated in consolidation. The following is a summary of the more significant policies. Cash and Cash Equivalents For purposes of reporting cash flows, cash and cash equivalents are identified as cash and due from banks and include cash on hand, collection items, amounts due from banks, and interest bearing deposits in other banks with maturities of less than 90 days. Securities Available for Sale The Corporation classifies its entire portfolio of debt and equity securities as available for sale securities, which the Corporation reports at fair value. Any unrealized valuation gains or losses in the portfolio are reported as a separate component of stockholders' equity, net of deferred income taxes. The constant yield method is used for the amortization of premiums and the accretion of discounts for all of the Corporation’s securities with the exception of collateralized mortgage obligations (CMOs) and mortgage backed securities (MBS). The constant yield method maintains a stable yield on the instrument through its maturity. For CMOs and MBS, a two-step/proration method is used for amortization and accretion. The first step is a proration based on the current pay down. This component ensures that the book price stays level with par. The second step amortizes or accretes the remaining premium or discount to the calculated final amortization or accretion date based on the current three-month constant prepayment rates. Net gains or losses realized on sales or calls of securities are reported as gains or losses on security transactions during the year of sale, using the specific identification method. Other Than Temporary Impairment (“OTTI”) Management monitors all of the Corporation’s securities for OTTI on a monthly basis and determines whether any impairment should be recorded. A number of factors are considered in determining whether a security is impaired, including, but not limited to, the following: · Percentage of unrealized losses, · Period of time the security has had unrealized losses, · Type of security, · Maturity date of the instrument if a debt instrument, · The intent to sell the security or whether it is more likely than not that the Corporation would be required to sell the security before its anticipated recovery in market value, · Amount of projected credit losses based on current cash flow analysis, default and severity rates, and · Market dynamics impacting the market for and liquidity of the security. Management will more closely evaluate those securities that have unrealized losses of 10% or more and have had unrealized losses for more than twelve months. If management determines that the declines in value of the security are not temporary, or if management does not have the ability to hold the security until maturity, which is the case with equity securities, then management will record impairment on the security. For equity securities, typically the amount of impairment is the difference between the security’s book value and current fair market value determined by obtaining independent market pricing. For debt securities evaluated for impairment, management will determine what portion of the unrealized valuation loss is attributed to projected or known loss of principal, and what portion is attributed to market pricing not reflective of the true value of the security, based on current cash flow analysis. Management will generally record impairment equivalent to the projected or known loss of principal, known as the credit loss. The other portion of the fair market value loss is attributed to market factors and it is management’s opinion that these fair value losses are temporary and not permanent. All impairment is recorded as a loss on securities and is included in the Corporation’s Consolidated Statements of Income. Loans Held for Investment Loans receivable, that management has the intent and ability to hold for the foreseeable future, or until maturity or payoff, generally are reported at the outstanding principal balances, reduced by any charge-offs and net of any deferred loan origination fees or costs. Net loan origination fees and costs are deferred and recognized as an adjustment of yield over the contractual life of the loan. Interest accrues daily on outstanding loan balances. Generally, the accrual of interest discontinues when the ability to collect the loan becomes doubtful or when a loan becomes more than 90 days past due as to principal and interest. These loans are referred to as non-accrual loans. Management may elect to continue the accrual of interest based on the expectation of future payments and/or the sufficiency of the underlying collateral. Loans Held for Sale Loans originated and intended for sale on the secondary market are carried at the lower of cost or fair value in the aggregate. Net unrealized losses, if any, are recognized through a valuation allowance by charges to income. In general, fixed-rate residential mortgage loans originated by the Corporation and held for sale are carried in the aggregate at the lower of cost or market. The Corporation originates loans for immediate sale with servicing retained and servicing released to several investors. However, the vast majority of the sold mortgages are sold to the Federal Home Loan Bank of Pittsburgh (FHLB) and Fannie Mae, with servicing retained. As a result, the Corporation has a growing portfolio of mortgages that are serviced on behalf of FHLB and Fannie Mae. In addition, the Corporation originates FHA, VA, and USDA mortgages which are originated for immediate sale to various investors on a service-released basis. Allowance for Loan Losses The allowance for loan losses is maintained at a level considered by management to be adequate to provide for known and inherent risks in the loan portfolio at the Consolidated Balance Sheets dates. The monthly provision or credit for loan losses is an expense or a reduction of expense which increases or decreases the allowance, and charge-offs, net of recoveries, decrease the allowance. The Corporation performs ongoing credit reviews of the loan portfolio and considers current economic conditions, historical loan loss experience, and other factors in determining the adequacy of the reserve balance. Loans determined to be uncollectible are charged to the allowance during the period in which such determination is made. In calculating the allowance, management will begin by compiling the balance of loans by credit quality for each loan segment in order that allocations can be made in aggregate based on historic losses and qualitative factors. Prior to calculating these aggregate allocations, management will individually evaluate commercial and commercial real estate loans for impairment. A loan is impaired when it is probable that a creditor will be unable to collect all principal and interest due according to the contractual terms of the loan agreement. All other loan types such as residential mortgages, home equity loans and lines of credit, and all other consumer loans, are not individually evaluated for impairment and are therefore allocated for in aggregate. These loans are considered to be large groups of smaller-balance homogenous loans and are measured for impairment collectively. Loans that experience insignificant payment delays, which are defined as 90 days or less, generally are not classified as impaired. Management determines the significance of payment delays on a case-by-case basis, taking into consideration all circumstances concerning the loan, the creditworthiness and payment history of the borrower, the length of the payment delay, and the amount of shortfall in relation to the principal and interest owed. For loans deemed to be impaired, management will provide a specific allocation. This loan balance is then subtracted from the total loan balances being allocated for in the aggregate. The remaining balances, along with the full loan balances for the other loan types are then multiplied by an adjusted loss ratio, which is the sum of both the historical loss ratio and a qualitative factor adjustment. Generally both the historical loss ratio and the qualitative factor adjustment will increase as the credit rating of the loan deteriorates. The credit ratings begin with unclassified loans, which represent the best internal credit rating, also referred to as a “pass” credit and then continue with declining grades of special mention, substandard, doubtful, and loss. Special mention loans are no longer deemed to be a “pass” credit and require additional management attention. They are essentially placed on “watched” status and attempts are made to improve the credit to an unclassified status. If the credit would deteriorate further it would then be a substandard credit, which for regulatory purposes, is deemed to be a classified loan. Doubtful and loss credit grades represent further credit deterioration and are also considered classified loans. For each loan type, all of these credit rating categories are broken out with adjusted loss ratios. The loan balance is then multiplied by the adjusted loss ratio to produce the required allowance. The allowances are totaled and added to any specific allocations on impaired loans to arrive at the total allowance for loan losses for the Corporation. Management tracks and assigns a historical loss percentage for each loan rating category within each loan type. A rolling three-year historical loss ratio, calculated on a quarterly basis, with a 60%, 30%, and 10% weighting for the past three years is used. In this manner the historical loss percentage is heavily weighted to the current loss environment, but has sufficient weighting assigned to prior periods to avoid unnecessary volatile fluctuations based on just one period’s data. Management currently utilizes nine qualitative factors that are adjusted based on changes in the lending environment and economic conditions. The qualitative factors include the following: · levels of and trends in delinquencies, non-accruals, and charge-offs, · trends in the nature and volume of the loan portfolio, · changes in lending policies and procedures, · experience, ability, and depth of lending personnel and management oversight, · national and local economic trends, · concentrations of credit, · external factors such as competition, legal, and regulatory requirements, · changes in the quality of loan review and Board oversight, · changes in the value of underlying collateral. The number of qualitative factors can change. Factors can be added for new risks or taken away if the risk no longer applies. Each loan type will have its own risk profile and management will evaluate and adjust each qualitative factor for each loan type quarterly, if necessary. For example, if one area of the loan portfolio is experiencing sharp increases in growth, it is likely the qualitative factor for trends in the loan portfolio would be increased for that loan type. As levels of delinquencies and non-accrual loans decline for any segment of the loan portfolio it is likely that factor would be reduced. In terms of the Corporation’s loan portfolio, the commercial and industrial loans and commercial real estate loans are deemed to have more risk than the consumer real estate loans and other consumer loans in the portfolio. The commercial loans not secured by real estate are highly dependent on their financial condition and therefore are more dependent on economic conditions. The commercial loans secured by real estate are also dependent on economic conditions but generally have stronger forms of collateral. More recently, commercial real estate has been negatively impacted by devaluation so these commercial loans carry a higher qualitative factor for changes in the value of collateral. The commercial loans and commercial real estate loans have historically been responsible for the majority of the Corporation’s delinquencies, non-accrual loans, and charge-offs, so both of these categories carry higher qualitative factors than consumer real estate loans and other consumer loans. The Corporation has historically experienced very low levels of consumer real estate and consumer loan charge-offs so these qualitative factors are set lower than the commercial real estate and commercial and industrial loans. More recently, the agriculture segment of the loan portfolio is growing faster than all other segments and, therefore, the qualitative factors for trends and collateral were increased in this area due to more volume and increased exposure to potential loss. Impaired and Non-Accrual Loans The definition of “impaired loans” is not the same as the definition of “non-accrual loans,” although the two categories overlap. Generally, a non-accrual loan will always be considered impaired due to payment delinquency or uncertain collection, but there are cases where an impaired loan is not considered non-accrual. The primary factors considered by management in determining impairment include payment status and collateral value, but could also include debt service coverage, financial health of the business, and other external factors that could impact the ability of the borrower to fully repay the loan. The amount of impairment for these types of loans is determined by the difference between the present value of the expected cash flows related to the loan using the original interest rate and its recorded value or, as a practical expedient in the case of collateral-dependent loans, the difference between the fair value of the collateral and the recorded amount of the loan. When foreclosure is probable, impairment is measured based on the fair value of the collateral on a discounted basis, relative to the loan amount. Management will place a business or commercial loan on non-accrual status when it is determined that the loan is impaired, or when the loan is 90 days past due with a history of prolonged periods of delinquency. These customers will generally be placed on non-accrual status at the end of each quarter. Consumer loans over 90 days delinquent are generally charged off or, in the case of larger residential real estate loans, they would be placed on non-accrual status as the Corporation seeks to bring the customer current or pursue foreclosure options. When the borrower is on non-accrual, the Corporation will reverse any accrued interest on the books and will discontinue recognizing any interest income until the borrower is placed back on accrual status or fully pays off the loan balance plus any accrued interest. Payments received by the customer while the loan is on non-accrual are fully applied against principal. The Corporation maintains records of the full amount of interest that is owed by the borrower. A non-accrual loan will generally only be placed back on accrual status after the borrower has become current and has demonstrated six consecutive months of non-delinquency. Allowance for Off-Balance Sheet Extensions of Credit The Corporation maintains an allowance for off-balance sheet extensions of credit, which would include any unadvanced amount on lines of credit and any letters of credit provided to borrowers. The allowance is carried as a liability and is included in other liabilities on the Corporation’s Consolidated Balance Sheets. The liability was $345,000 as of December 31, 2016, and $455,000 as of December 31, 2015. As the unadvanced portion of lines of credit increases, this provision will increase. Management follows the same methodology as the allowance for loan losses when calculating the allowance for off-balance sheet extensions of credit, with the exception of multiplying the unadvanced total by a high/low balance variance to arrive at the expected unadvanced portion that could be drawn upon at any time, or the amount at risk. The unadvanced amounts for each loan segment are broken down by credit classification. A historical loss ratio and qualitative factor are calculated for each credit classification by loan type. The historical loss ratio and qualitative factor are combined to produce an adjusted loss ratio, which is multiplied by the amount at risk for each credit classification within each loan segment to arrive at an allocation. The allocations are summed to arrive at the total allowance for off-balance sheet extensions of credit. Other Real Estate Owned (OREO) OREO represents properties acquired through customer loan defaults. These properties are recorded at the lower of cost or fair value less projected disposal costs at acquisition date. Fair value is determined by current appraisals. Costs associated with holding OREO are charged to operational expense. OREO is a component of other assets on the Corporation’s Consolidated Balance Sheets. The Corporation had no OREO as of December 31, 2016, or December 31, 2015. Mortgage Servicing Rights (MSRs) The Corporation has agreements for the express purpose of selling residential mortgage loans on the secondary market, referred to as mortgage servicing rights. The Corporation maintains all servicing rights for loans currently sold through FHLB and Fannie Mae. The Corporation had $410,000 of MSRs as of December 31, 2016, compared to $240,000 as of December 31, 2015. Management expects MSRs to continue to grow as a result of the recently expanded mortgage program. The value of newly originated MSRs is determined by estimating the life of the mortgage and how long the Corporation will have access to the servicing income stream to determine the relative fair value. The Corporation utilizes a third party that calculates the MSR valuation on a quarterly basis. A longer estimated life would increase the MSR while a shorter estimated life would decrease the value of the asset. Management records the MSR value based on this reporting. Ultimately the value of the MSRs would be at what level a willing buyer and seller would exchange the MSRs. MSRs are amortized in proportion to the estimated servicing income over the estimated life of the servicing portfolio. Impairment is evaluated based on the fair value of the rights, portfolio interest rates, and prepayment characteristics. MSRs are a component of other assets on the Consolidated Balance Sheets. Premises and Equipment Land is carried at cost. Premises and equipment are carried at cost, less accumulated depreciation. Book depreciation is computed using straight-line methods over the estimated useful lives of generally fifteen to thirty-nine years for buildings and improvements and four to ten years for furniture and equipment. Maintenance and repairs of property and equipment are charged to operational expense as incurred, while major improvements are capitalized. Net gains or losses upon disposition are included in other income or operational expense, as applicable. Transfer of Assets Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity. Bank-Owned Life Insurance (BOLI) BOLI is carried by the Corporation at the cash surrender value of the underlying policies. Income earned on the policies is based on any increase in cash surrender value less the cost of the insurance, which varies according to age and health of the insured. The life insurance policies owned by the Corporation had a cash surrender value of $24,687,000 and $23,869,000 as of December 31, 2016, and 2015, respectively. The increase in BOLI cash surrender value was due to normal appreciation of the policies as a result of returns exceeding expenses. Advertising Costs The Corporation expenses advertising costs as incurred. Advertising costs for the years ended December 31, 2016, 2015, and 2014, were 614,000, $552,000, and $474,000, respectively. Income Taxes An asset and liability approach is followed for financial accounting and reporting for income taxes. Accordingly, a net deferred tax asset or liability is recorded in the consolidated financial statements for the tax effects of temporary differences, which are items of income and expense reported in different periods for income tax and financial reporting purposes. Deferred tax expense is determined by the change in the assets or liabilities related to deferred income taxes. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes. Earnings per Share The Corporation currently maintains a simple capital structure with no stock option plans that would have a dilutive effect on earnings per share. Earnings per share are calculated by dividing net income by the weighted-average number of shares outstanding for the periods. Comprehensive Income The Corporation is required to present comprehensive income in a full set of general-purpose consolidated financial statements for all periods presented. Other comprehensive income (loss) consists of unrealized holding gains and losses on the available for sale securities portfolio. Segment Disclosure U.S. generally accepted accounting principles establish standards for the manner in which public business enterprises report information about segments in the annual financial statements and requires that those enterprises report selected information about operating segments in interim financial reports issued to shareholders. It also establishes standards for related disclosures regarding financial products and services, geographic areas, and major customers. The Corporation has only one operating segment consisting of its banking and fiduciary operations. Pension Plans The Corporation provides an optional 401(k) plan, in which employees may elect to defer pre-tax salary dollars, subject to the maximum annual Internal Revenue Service contribution amounts. The Corporation will match 50% of employee contributions up to 5%, limiting the match to 2.5%. As part of the 401(k) Plan, the Corporation also has a noncontributory Profit Sharing Plan which covers substantially all employees. The Corporation provides a 3% Non-Elective contribution to all employees and contributes a 2% Elective Contribution to all employees aged 21 or older who work 1,000 or greater hours in a calendar year and have completed at least one full year of employment. Trust Assets and Income Assets held by ENB’s Money Management Group in a fiduciary or agency capacity for customers are not included in the Corporation’s Consolidated Balance Sheets since these items are not assets of the Corporation. In accordance with banking industry practice, trust income is recognized on a cash basis, as such income does not differ significantly from amounts that would be recognized on an accrual basis. Trust income is reported in the Corporation’s Consolidated Statements of Income under other income. Reclassification of Comparative Amounts Certain comparative amounts for the prior year have been reclassified to conform to current-year classifications. Such reclassifications had no material effect on net income or stockholders’ equity. Recently Issued Accounting Standards In January 2017, the FASB issued ASU 2017-01, Business Combinations (Topic 805), Clarifying the Definition of a Business In December 2016, the FASB issued ASU 2016-20 , Technical Corrections and Improvements to Topic 606, Revenue from Contracts with Customers Guarantees In December 2016, the FASB issued ASU 2016-19, Technical Corrections and Improvements In October 2016, the FASB issued ASU 2016-18, Statement of Cash Flows (Topic 230) In October 2016, the FASB issued ASU 2016-17, Consolidation (Topic 810) In October 2016, the FASB issued ASU 2016-16, Income Taxes (Topic 740) In August 2016, the FASB issued ASU 2016-15, Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payments In June 2016, the FASB issued ASU 2016-13, Financial Instruments - Credit Losses: Measurement of Credit Losses on Financial Instruments In May 2016, the FASB issued ASU 2016-12, Revenue from Contracts with Customers (Topic 606) Revenue from Contracts with Customers (Topic 606) Revenue from Contracts with Customers (Topic 606): Deferral of the Effective Date In May 2016, the FASB issued ASU 2016-11, Revenue Recognition (Topic 605) and Derivative and Hedging (Topic 815 In April 2016, the FASB issued ASU 2016-10, Revenue from Contracts with Customers (Topic 606). Revenue from Contracts with Customers (Topic 606) Revenue from Contracts with Customers (Topic 606) Deferral of the Effective Date In March 2016, the FASB issued ASU 2016-09, Compensation – Stock Compensation (Topic 718) Share-Based Payment In March 2016, the FASB issued ASU 2016-08, Revenue from Contracts with Customers (Topic 606). Revenue from Contracts with Customers (Topic 606), Revenue from Contracts with Customers (Topic 606): Deferral of the Effective Date, In March 2016, the FASB issued ASU 2016-07, Investments – Equity Method and Joint Ventures (Topic 323) . The Update affects all entities that have an investment that becomes qualified for the equity method of accounting as a result of an increase in the level of ownership interest or degree of influence. The amendments in this Update eliminate the requirement that when an investment qualifies for use of the equity method as a result of an increase in the level of ownership interest or degree of influence, an investor must adjust the investment, results of operations, and retained earnings retroactively on a step-by-step basis as if the equity method had been in effect during all previous periods that the investment had been held. The amendments require that the equity method investor add the cost of acquiring the additional interest in the investee to the current basis of the investor's previously held interest and adopt the equity method of accounting as of the date the investment becomes qualified for equity method accounting. Therefore, upon qualifying for the equity method of accounting, no retroactive adjustment of the investment is required. The amendments in this Update require that an entity that has an available-for-sale equity security that becomes qualified for the equity method of accounting recognize through earnings the unrealized holding gain or loss in accumulated other comprehensive income at the date the investment becomes qualified for use of the equity method. The amendments in this Update are effective for all entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2016. The amendments should be applied prospectively upon their effective date to increases in the In March 2016, the FASB issued ASU 2016-06, Derivatives and Hedging (Topic 815) In March 2016, the FASB issued ASU 2016-05, Derivatives and Hedging (Topic 815) . For public business entities, the amendments in this Update are effective for financial statements issued for fiscal years beginning after December 15, 2016, and interim periods within those fiscal years. For all other entities, the amendments in this Update are effective for financial statements issued for fiscal years beginning after December 15, 2017, and interim periods within fiscal years beginning after December 15, 2018. An entity has an option to apply the amendments in this Update In March 2016, the FASB issued ASU 2016-04, Liabilities – In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842)

SECURITIES AVAILABLE FOR SALE

SECURITIES AVAILABLE FOR SALE	12 Months Ended
	Dec. 31, 2016
Investments, Debt and Equity Securities [Abstract]
SECURITIES AVAILABLE FOR SALE	NOTE B - SECURITIES AVAILABLE FOR SALE (DOLLARS IN THOUSANDS) The amortized cost and fair value of securities held at December 31, 2016, and 2015, are as follows: Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value $ $ $ $ December 31, 2016 U.S. government agencies 33,124 — (863 ) 32,261 U.S. agency mortgage-backed securities 56,826 22 (979 ) 55,869 U.S. agency collateralized mortgage obligations 38,737 41 (842 ) 37,936 Corporate bonds 52,928 8 (845 ) 52,091 Obligations of states and political subdivisions 128,428 346 (4,344 ) 124,430 Total debt securities 310,043 417 (7,873 ) 302,587 Marketable equity securities 5,469 55 — 5,524 Total securities available for sale 315,512 472 (7,873 ) 308,111 December 31, 2015 U.S. government agencies 29,829 3 (141 ) 29,691 U.S. agency mortgage-backed securities 42,288 39 (347 ) 41,980 U.S. agency collateralized mortgage obligations 48,140 125 (934 ) 47,331 Corporate bonds 63,825 29 (549 ) 63,305 Obligations of states and political subdivisions 100,208 1,780 (405 ) 101,583 Total debt securities 284,290 1,976 (2,376 ) 283,890 Marketable equity securities 5,515 23 (5 ) 5,533 Total securities available for sale 289,805 1,999 (2,381 ) 289,423 The amortized cost and fair value of debt securities available for sale at December 31, 2016, by contractual maturity, are shown below. Actual maturities may differ from contractual maturities due to certain call or prepayment provisions. CONTRACTUAL MATURITY OF DEBT SECURITIES (DOLLARS IN THOUSANDS) Amortized Cost Fair Value $ $ Due in one year or less 16,818 16,571 Due after one year through five years 88,609 87,400 Due after five years through ten years 83,077 81,148 Due after ten years 121,539 117,468 Total debt securities 310,043 302,587 Securities available for sale with a par value of $63,726,000 and $60,295,000 at December 31, 2016 and 2015, respectively, were pledged or restricted for public funds, borrowings, or other purposes as required by law. The fair market value of these pledged securities was $65,770,000 at December 31, 2016, and $65,137,000 at December 31, 2015. Proceeds from active sales of debt securities available for sale, along with the associated gross realized gains and gross realized losses, are shown below. Realized gains and losses are computed on the basis of specific identification. PROCEEDS FROM SALES OF SECURITIES AVAILABLE FOR SALE (DOLLARS IN THOUSANDS) Securities Available for Sale 2016 2015 2014 $ $ $ Proceeds from sales 163,085 154,384 155,363 Gross realized gains 2,457 2,934 3,815 Gross realized losses 87 94 684 The bottom portion of the above table shows the net gains on security transactions, including any impairment taken on securities held by the Corporation. The net gain or loss from security transactions is also reflected on the Corporation’s Consolidated Statements of Income and Consolidated Statements of Cash Flows. Information pertaining to securities with gross unrealized losses at December 31, 2016, and December 31, 2015, aggregated by investment category and length of time that individual securities have been in a continuous loss position follows: TEMPORARY IMPAIRMENTS OF SECURITIES (DOLLARS IN THOUSANDS) Less than 12 months More than 12 months Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses $ $ $ $ $ $ As of December 31, 2016 U.S. government agencies 32,261 (863 ) — — 32,261 (863 ) U.S. agency mortgage-backed securities 47,418 (856 ) 3,989 (123 ) 51,407 (979 ) U.S. agency collateralized mortgage obligations 33,206 (842 ) — — 33,206 (842 ) Corporate bonds 45,335 (830 ) 2,002 (15 ) 47,337 (845 ) Obligations of states & political subdivisions 101,229 (4,063 ) 8,041 (281 ) 109,270 (4,344 ) Total debt securities 259,449 (7,454 ) 14,032 (419 ) 273,481 (7,873 ) Marketable equity securities — — — — — — Total temporarily impaired securities 259,449 (7,454 ) 14,032 (419 ) 273,481 (7,873 ) As of December 31, 2015 U.S. government agencies 24,968 (106 ) 1,965 (35 ) 26,933 (141 ) U.S. agency mortgage-backed securities 24,613 (235 ) 4,827 (112 ) 29,440 (347 ) U.S. agency collateralized mortgage obligations 26,563 (827 ) 4,652 (107 ) 31,215 (934 ) Corporate bonds 50,530 (532 ) 2,002 (17 ) 52,532 (549 ) Obligations of states & political subdivisions 21,913 (252 ) 7,435 (153 ) 29,348 (405 ) Total temporarily impaired securities 148,587 (1,952 ) 20,881 (424 ) 169,468 (2,376 ) Marketable equity securities 142 (5 ) — — 142 (5 ) Total temporarily impaired securities 148,729 (1,957 ) 20,881 (424 ) 169,610 (2,381 ) In the debt security portfolio, there are 204 positions carrying unrealized losses as of December 31, 2016. There were no instruments considered to be other-than-temporarily impaired at December 31, 2016. The Corporation evaluates both equity and fixed income positions for other-than-temporary impairment at least on a quarterly basis, and more frequently when economic and market concerns warrant such evaluation. Equity investments are bank stocks held by the Corporation with no maturity date, whereas the fixed income positions are bonds held by the Corporation with fixed maturity dates. U.S. generally accepted accounting principles provide for the bifurcation of OTTI into two categories: (a) the amount of the total OTTI related to a decrease in cash flows expected to be collected from the debt security (the credit loss), which is recognized in earnings, and (b) the amount of total OTTI related to all other factors, which is recognized, net of taxes, as a component of accumulated other comprehensive income (loss). This accounting treatment was only applicable to two of the Corporation’s PCMOs in the first quarter of 2014, but both of those securities were sold in the second quarter of 2014, resulting in no further impairment charges. The prior impairment on the PCMOs was a result of a deterioration of expected cash flows on those securities due to higher projected credit losses than the amount of credit protection carried by those securities. Management determined that it was appropriate to take an additional $22,000 of impairment on one PCMO in the first quarter of 2014. Because all of the remaining PCMOs were sold in the second quarter of 2014, no further impairment was recorded on these bonds in 2015 or 2016. The following table provides a cumulative roll forward of credit losses recognized in earnings for debt securities held: CREDIT LOSSES ON DEBT SECURITIES (DOLLARS IN THOUSANDS) For the year ended December 31, 2016 2015 2014 $ $ $ Beginning balance — — 1,148 Credit losses on debt securities for which other-than-temporary impairment has not been previously recognized — — — Additional credit losses on debt securities for which other-than- temporary impairment was previously recognized — — 22 Sale of debt securities with previously recognized impairment — — (1,170 ) Ending balance — — —

LOANS AND ALLOWANCE FOR LOAN LO

LOANS AND ALLOWANCE FOR LOAN LOSSES	12 Months Ended
	Dec. 31, 2016
Receivables [Abstract]
LOANS AND ALLOWANCE FOR LOAN LOSSES	NOTE C - LOANS AND ALLOWANCE FOR LOAN LOSSES The following table presents the Corporation’s loan portfolio by category of loans for 2016 and 2015. LOAN PORTFOLIO (DOLLARS IN THOUSANDS) December 31, 2016 2015 $ $ Commercial real estate Commercial mortgages 86,434 87,613 Agriculture mortgages 163,753 158,321 Construction 24,880 14,966 Total commercial real estate 275,067 260,900 Consumer real estate (a) 1-4 family residential mortgages 150,253 133,538 Home equity loans 10,391 10,288 Home equity lines of credit 53,127 37,374 Total consumer real estate 213,771 181,200 Commercial and industrial Commercial and industrial 42,471 36,189 Tax-free loans 13,091 19,083 Agriculture loans 21,630 18,305 Total commercial and industrial 77,192 73,577 Consumer 4,537 3,892 Gross loans prior to deferred costs and allowance for loan losses 570,567 519,569 Deferred loan costs, net 1,000 714 Allowance for loan losses (7,562 ) (7,078 ) Total net loans 564,005 513,205 (a) Real estate loans serviced for others, which are not included in the Consolidated Balance Sheets, totaled $66,767,000 and $38,024,000 as of December 31, 2016, and 2015, respectively. The Corporation grades commercial credits differently than consumer credits. The following tables represent all of the Corporation’s commercial credit exposures by internally assigned grades as of December 31, 2016 and 2015. The grading analysis estimates the capability of the borrower to repay the contractual obligations under the loan agreements as scheduled or at all. The Corporation's internal commercial credit risk grading system is based on experiences with similarly graded loans. The Corporation's internally assigned grades for commercial credits are as follows: · Pass – loans which are protected by the current net worth and paying capacity of the obligor or by the value of the underlying collateral. · Special Mention – loans where a potential weakness or risk exists, which could cause a more serious problem if not corrected. · Substandard – loans that have a well-defined weakness based on objective evidence and characterized by the distinct possibility that the Corporation will sustain some loss if the deficiencies are not corrected. · Doubtful – loans classified as doubtful have all the weaknesses inherent in a substandard asset. In addition, these weaknesses make collection or liquidation in full highly questionable and improbable, based on existing circumstances. · Loss – loans classified as a loss are considered uncollectible, or of such value that continuance as an asset is not warranted. COMMERCIAL CREDIT EXPOSURE CREDIT RISK PROFILE BY INTERNALLY ASSIGNED GRADE (DOLLARS IN THOUSANDS) Commercial Commercial Agriculture and Tax-free Agriculture December 31, 2016 Mortgages Mortgages Construction Industrial Loans Loans Total $ $ $ $ $ $ $ Grade: Pass 78,367 155,820 23,880 36,887 13,091 20,245 328,290 Special Mention 4,860 5,360 — 1,955 — 653 12,828 Substandard 3,207 2,573 1,000 3,629 — 732 11,141 Doubtful — — — — — — — Loss — — — — — — — Total 86,434 163,753 24,880 42,471 13,091 21,630 352,259 December 31, 2015 Commercial Agriculture Construction Commercial Tax-free Agriculture Total $ $ $ $ $ $ $ Grade: Pass 81,865 154,507 13,822 35,416 19,083 17,860 322,553 Special Mention 511 623 — — — 125 1,259 Substandard 5,237 3,191 1,144 773 — 320 10,665 Doubtful — — — — — — — Loss — — — — — — — Total 87,613 158,321 14,966 36,189 19,083 18,305 334,477 For consumer loans, the Corporation evaluates credit quality based on whether the loan is considered performing or non-performing. A consumer loan is considered non-performing when it is over 90 days past due. Management will generally charge off consumer loans more than 120 days past due for closed end loans and over 180 days for open-end consumer loans. The following table presents the balances of consumer loans by classes of the loan portfolio based on payment performance as of December 31, 2016 and 2015: CONSUMER CREDIT EXPOSURE CREDIT RISK PROFILE BY PAYMENT PERFORMANCE (DOLLARS IN THOUSANDS) 1-4 Family Home Equity December 31, 2016 Residential Home Equity Lines of Mortgages Loans Credit Consumer Total Payment performance: $ $ $ $ $ Performing 149,873 10,388 53,127 4,536 217,924 Non-performing 380 3 — 1 384 Total 150,253 10,391 53,127 4,537 218,308 CONSUMER CREDIT EXPOSURE CREDIT RISK PROFILE BY PAYMENT PERFORMANCE (DOLLARS IN THOUSANDS) 1-4 Family Home Equity December 31, 2015 Residential Home Equity Lines of Mortgages Loans Credit Consumer Total Payment performance: $ $ $ $ $ Performing 133,220 10,278 37,327 3,889 184,714 Non-performing 318 10 47 3 378 Total 133,538 10,288 37,374 3,892 185,092 The following tables present an age analysis of the Corporation’s past due loans, segregated by loan portfolio class, as of December 31, 2016 and 2015: AGING OF LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Loans December 31, 2016 Greater Receivable > 30-59 Days 60-89 Days than 90 Total Past Total Loans 90 Days and Past Due Past Due Days Due Current Receivable Accruing $ $ $ $ $ $ $ Commercial real estate Commercial mortgages — 419 417 836 85,598 86,434 — Agriculture mortgages 165 — — 165 163,588 163,753 — Construction — — — — 24,880 24,880 — Consumer real estate 1-4 family residential mortgages 565 662 380 1,607 148,639 150,246 380 Home equity loans 178 — 3 181 10,307 10,488 3 Home equity lines of credit — — — — 53,037 53,037 — Commercial and industrial Commercial and industrial 266 — 75 341 42,130 42,471 — Tax-free loans — — — — 13,091 13,091 — Agriculture loans — — — — 21,630 21,630 — Consumer 16 4 1 21 4,516 4,537 1 Total 1,190 1,085 876 3,151 567,416 570,567 384 Loans December 31, 2015 Greater Receivable > 30-59 Days 60-89 Days than 90 Total Past Total Loans 90 Days and Past Due Past Due Days Due Current Receivable Accruing $ $ $ $ $ $ $ Commercial real estate Commercial mortgages — 601 — 601 87,012 87,613 — Agriculture mortgages — — — — 158,321 158,321 — Construction — — — — 14,966 14,966 — Consumer real estate 1-4 family residential mortgages 1,264 123 318 1,705 131,833 133,538 318 Home equity loans 27 59 10 96 10,192 10,288 10 Home equity lines of credit 35 — 47 82 37,292 37,374 47 Commercial and industrial Commercial and industrial 20 9 — 29 36,160 36,189 — Tax-free loans — — — — 19,083 19,083 — Agriculture loans — — — — 18,305 18,305 — Consumer 17 17 3 37 3,855 3,892 3 Total 1,363 809 378 2,550 517,019 519,569 378 As of December 31, 2016, 2015, and 2014, all of the Corporation’s loans on non-accrual status were also considered impaired. Interest income on loans would have increased by approximately $23,000, ,000 The following table presents non-accrual loans by classes of the loan portfolio as of December 31: NON-ACCRUAL LOANS BY LOAN CLASS (DOLLARS IN THOUSANDS) 2016 2015 $ $ Commercial real estate Commercial mortgages 646 380 Agriculture mortgages — — Construction — — Consumer real estate 1-4 family residential mortgages — — Home equity loans — — Home equity lines of credit — — Commercial and industrial Commercial and industrial 75 — Tax-free loans — — Agriculture loans — — Consumer — — Total 721 380 During 2016, 2015, and 2014 there were no loan modifications made that would cause a loan to be considered a troubled debt restructuring (TDR). A TDR is a loan where management has granted a concession to the borrower from the original terms. A concession is generally granted in order to improve the financial condition of the borrower and improve the likelihood of full collection by the lender. A concession is generally defined as more favorable payment or credit terms granted to a borrower in an effort to improve the likelihood of the lender collecting principal in its entirety. Concessions usually are in the form of interest only for a period of time, or a lower interest rate offered in an effort to enable the borrower to continue to make normally scheduled payments. The following table summarizes information in regards to impaired loans by loan portfolio class as of December 31, 2016: IMPAIRED LOAN ANALYSIS (DOLLARS IN THOUSANDS) Recorded Unpaid Related Average Interest $ $ $ $ $ With no related allowance recorded: Commercial real estate Commercial mortgages 646 743 — 768 2 Agriculture mortgages 1,248 1,248 — 1,285 55 Construction — — — — — Total commercial real estate 1,894 1,991 — 2,053 57 Commercial and industrial Commercial and industrial 75 75 — 76 — Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial 75 75 — 76 — Total with no related allowance 1,969 2,066 — 2,129 57 With an allowance recorded: Commercial real estate Commercial mortgages — — — — — Agriculture mortgages — — — — — Construction — — — — — Total commercial real estate — — — — — Commercial and industrial Commercial and industrial — — — — — Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial — — — — — Total with a related allowance — — — — — Total by loan class: Commercial real estate Commercial mortgages 646 743 — 768 2 Agriculture mortgages 1,248 1,248 — 1,285 55 Construction — — — — — Total commercial real estate 1,894 1,991 — 2,053 57 Commercial and industrial Commercial and industrial 75 75 — 76 — Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial 75 75 — 76 — Total 1,969 2,066 — 2,129 57 The following table summarizes information in regards to impaired loans by loan portfolio class as of December 31, 2015: IMPAIRED LOAN ANALYSIS (DOLLARS IN THOUSANDS) Recorded Unpaid Related Average Interest $ $ $ $ $ With no related allowance recorded: Commercial real estate Commercial mortgages 380 952 — 544 — Agriculture mortgages 1,325 1,325 — 1,359 83 Construction — — — — — Total commercial real estate 1,705 2,277 — 1,903 83 Commercial and industrial Commercial and industrial — 49 — 54 3 Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial — 49 — 54 3 Total with no related allowance 1,705 2,326 — 1,957 86 With an allowance recorded: Commercial real estate Commercial mortgages — — — — — Agriculture mortgages — — — — — Construction — — — — — Total commercial real estate — — — — — Commercial and industrial Commercial and industrial — — — — — Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial — — — — — Total with a related allowance — — — — — Total by loan class: Commercial real estate Commercial mortgages 380 952 — 544 — Agriculture mortgages 1,325 1,325 — 1,359 83 Construction — — — — — Total commercial real estate 1,705 2,277 — 1,903 83 Commercial and industrial Commercial and industrial — 49 — 54 3 Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial — 49 — 54 3 Total 1,705 2,326 — 1,957 86 The following table details activity in the allowance for loan losses by portfolio segment for the year ended December 31, 2016: ALLOWANCE FOR CREDIT LOSSES AND RECORDED INVESTMENT IN LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Commercial Commercial Consumer and Real Estate Real Estate Industrial Consumer Unallocated Total $ $ $ $ $ $ Allowance for credit losses: Beginning balance 3,831 1,403 1,314 62 468 7,078 Charge-offs — — (23 ) (31 ) — (54 ) Recoveries — 10 193 10 — 213 Provision (credit) (36 ) 239 68 41 13 325 Ending balance 3,795 1,652 1,552 82 481 7,562 Ending balance: individually evaluated for impairment — — — — — — Ending balance: collectively evaluated for impairment 3,795 1,652 1,552 82 481 7,562 Loans receivable: Ending balance 275,067 213,771 77,192 4,537 570,567 Ending balance: individually evaluated for impairment 1,894 — 75 — 1,969 Ending balance: collectively evaluated for impairment 273,173 213,771 77,117 4,537 568,598 The dollar amount of the allowance increased for all loan segments with the exception of commercial real estate since December 31, 2015. Loan growth resulted in higher allowance balances but delinquencies, non-performing loans, and classified loans were all down from prior years’ levels so the Corporation is not carrying as large of an allowance as a percentage of total loans. The amout of allowance allocated to commercial real estate remained at nearly the same level as the prior year. While commercial real estate loans increased $14.2 million, or 5.4% from December 31, 2015 to December 31, 2016, the allowance remained at the same level due to improvements in the qualititative factors . The growth rate of agricultural real estate lending slowed significantly and commercial real estate outside of agricultural real estate showed a slight decline. While commercial real estate construction accounted for the majority of the commercial real estate growth, the health of the Corporation’s developers had improved from 2015 to 2016 not requiring any additional reserves. The December 31, 2016 ending balance of the allowance was up $484,000, or 6.8%, from December 31, 2015, but the allowance as a percentage of total loans declined from 1.36% as of December 31, 2015, to 1.32% as of December 31, 2016. The Corporation recorded provision expense for the consumer real estate segment to compensate for 7% growth in the residential mortgage portfolio and 32% growth in home equity loans. A smaller provision was recorded for commercial and industrial loans to account for 1% growth coupled with a five basis point increase in the qualitative factor adjustment for that pool. Provision expense of $41,000 was booked against the consumer loan segment in response to $31,000 of charge-offs and a 16.6% increase in unsecured consumer loan balances. The following table details activity in the allowance for loan losses by portfolio segment for the year ended December 31, 2015: ALLOWANCE FOR CREDIT LOSSES AND RECORDED INVESTMENT IN LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Commercial Commercial Consumer and Real Estate Real Estate Industrial Consumer Unallocated Total $ $ $ $ $ $ Allowance for credit losses: Beginning balance 3,834 1,367 1,301 66 573 7,141 Charge-offs (272 ) (28 ) (44 ) (18 ) — (362 ) Recoveries 34 — 112 3 — 149 Provision (credit) 235 64 (55 ) 11 (105 ) 150 Ending balance 3,831 1,403 1,314 62 468 7,078 Ending balance: individually evaluated for impairment — — — — — — Ending balance: collectively evaluated for impairment 3,831 1,403 1,314 62 468 7,078 Loans receivable: Ending balance 260,900 181,200 73,577 3,892 519,569 Ending balance: individually evaluated for impairment 1,705 — — — 1,705 Ending balance: collectively evaluated for impairment 259,195 181,200 73,577 3,892 517,864 The dollar amount of the allowance for all major loan segments did not change materially from December 31, 2014 to December 31, 2015, however the allowance as a percentage of loan balances did decline for all segments. Delinquencies, non-performing loans, and classified loans were all down from prior years’ levels so the Corporation was not carrying as large of an allowance as a percentage of total loans. The December 31, 2015 ending balance of the allowance was down $63,000, or 0.9%, from December 31, 2014. The Corporation recorded provision expense for the commercial real estate segment to compensate for increased charge-off activity in that segment. Provision expense was also recorded for the consumer real estate and consumer segments of the portfolio, but at smaller levels primarily due to limited charge-offs and growth within those portfolios. The Corporation was able to record a credit provision for the commercial and industrial segment due to continued improvements in credit loss experience and additional recoveries received. Commercial and industrial charge-offs in 2015 were only $44,000, while recoveries totaled $112,000. This enabled management to record a $55,000 credit provision for this segment. The following table details activity in the allowance for loan losses by portfolio segment for the year ended December 31, 2014: ALLOWANCE FOR CREDIT LOSSES AND RECORDED INVESTMENT IN LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Commercial Commercial Consumer and Real Estate Real Estate Industrial Consumer Unallocated Total $ $ $ $ $ $ Allowance for credit losses: Beginning balance 3,657 1,346 1,416 102 698 7,219 Charge-offs (204 ) — (12 ) (19 ) — (235 ) Recoveries — 5 201 1 — 207 Provision (credit) 381 16 (304 ) (18 ) (125 ) (50 ) Ending balance 3,834 1,367 1,301 66 573 7,141 Ending balance: individually evaluated for impairment 1 — — — — 1 Ending balance: collectively evaluated for impairment 3,833 1,367 1,301 66 573 7,140 Loans receivable: Ending balance 243,623 163,266 60,300 3,517 470,706 Ending balance: individually evaluated for impairment 2,285 — 73 — 2,358 Ending balance: collectively evaluated for impairment 241,338 163,266 60,227 3,517 468,348 In 2014, the Corporation allocated increased provisions to the commercial real estate segment due to increased charge-off activity in that segment. The Corporation decreased the amount of the allowance for loan loss allocated to the commercial and industrial segment due to continued improvements in credit loss experience and additional recoveries received. Actual credit losses were materially below previous estimates. Commercial and industrial charge-offs in 2014 were only a third of the 2013 amount while recoveries nearly tripled. This enabled management to decrease this element of the allowance. Delinquencies and credit losses remain very low in the three categories of commercial and industrial. This segment also includes tax-free loans to municipalities and agricultural purpose loans, which account for nearly half of the total commercial and industrial loans.

PREMISES AND EQUIPMENT

PREMISES AND EQUIPMENT	12 Months Ended
	Dec. 31, 2016
Property, Plant and Equipment [Abstract]
PREMISES AND EQUIPMENT	NOTE D – PREMISES AND EQUIPMENT (DOLLARS IN THOUSANDS ) The major classes of the Corporation’s premises and equipment and accumulated depreciation are as follows: December 31, 2016 2015 $ $ Land 3,787 3,687 Buildings and improvements 26,307 24,699 Furniture and equipment 12,970 12,423 Construction in process 180 163 Total 43,244 40,972 Less accumulated depreciation (20,676 ) (19,276 ) Premises and equipment 22,568 21,696 Depreciation expense, which is included in operating expenses, amounted to $1,408,000 for 2016, $1,440,000 for 2015, and $1,356,000 for 2014. The construction in process category represents expenditures for ongoing projects. When construction is completed, these amounts will be reclassified into buildings and improvements, and/or furniture and equipment. Depreciation only begins when the project or asset is placed into service. As of December 31, 2016, the construction in process consists primarily of costs associated with improvements being made to new or existing facilities expected to be completed in 2017.

REGULATORY STOCK

REGULATORY STOCK	12 Months Ended
	Dec. 31, 2016
Federal Home Loan Bank Stock and Federal Reserve Bank Stock [Abstract]
REGULATORY STOCK	NOTE E – REGULATORY STOCK The Bank is a member of the Federal Home Loan Bank (FHLB) of Pittsburgh, which is one of 12 regional Federal Home Loan Banks. Each FHLB serves as a reserve or central bank for its members within its assigned region. As a member, the Bank is required to purchase and maintain stock in the FHLB in an amount equal to 0.10% of its asset value plus an additional 4% of its outstanding advances from the FHLB and mortgage partnership finance loans sold to the FHLB. At December 31, 2016, the Bank held $5,184,000 in stock of the FHLB, and as of December 31, 2015, the Bank held $4,126,000 of FHLB stock. The FHLB repurchases excess capital stock on a quarterly basis and pays a quarterly dividend on stock held by the Corporation. The FHLB’s quarterly dividend yield was 5.00% annualized on activity stock and 2.00% annualized on membership stock as of December 31, 2016. Most of the Corporation’s dividend is based on the activity stock, which is based on the amount of borrowings and mortgage activity with FHLB. In addition to the normal quarterly dividend, the FHLB paid a special dividend in the first quarter of 2015 due to their record earnings and strong financial position as of December 31, 2014. The Corporation will continue to monitor the financial condition of the FHLB quarterly to assess its ability to continue to regularly repurchase excess capital stock and pay a quarterly dividend. The Corporation also owned $151,000 of Federal Reserve Bank stock and $37,000 of Atlantic Community Bankers’ Bank stock as of December 31, 2016 and December 31, 2015.

DEPOSITS

DEPOSITS	12 Months Ended
	Dec. 31, 2016
Deposits:
DEPOSITS	NOTE F – DEPOSITS (DOLLARS IN THOUSANDS) Deposits by major classifications are summarized as follows: December 31, 2016 2015 $ $ Non-interest bearing demand 280,543 236,214 Interest-bearing demand 20,108 14,737 NOW accounts 85,540 77,180 Money market deposit accounts 93,943 82,508 Savings accounts 175,753 148,319 Time deposits under $250,000 151,988 165,939 Time deposits of $250,000 or more 9,616 15,165 Total deposits 817,491 740,062 At December 31, 2016, the scheduled maturities of time deposits are as follows: 2017 67,666 2018 29,429 2019 21,911 2020 19,957 2021 22,641 Total 161,604

SHORT TERM BORROWINGS

SHORT TERM BORROWINGS	12 Months Ended
	Dec. 31, 2016
Short-term Debt [Abstract]
SHORT TERM BORROWINGS	NOTE G – SHORT TERM BORROWINGS (DOLLARS IN THOUSANDS) Short-term borrowings consist of Federal funds purchased that mature one business day from the transaction date, overnight borrowings from the Federal Reserve Discount Window, and FHLB advances with a term of less than one year. A summary of short-term borrowings is as follows for the years ended December 31, 2016, 2015, and 2014: 2016 2015 2014 $ $ $ Total short-term borrowings outstanding at year end 8,329 8,736 — Average interest rate at year end 0.65 0.29 — Maximum outstanding at any month end 16,532 13,666 7,260 Average amount outstanding for the year 11,087 8,720 5,513 Weighted-average interest rate for the year 0.49% 0.34% 0.19% As of December 31, 2016, the Corporation had approved unsecured Federal funds lines of $32 million. The Corporation also has the ability to borrow through the FRB Discount Window. The amount of borrowing available through the Discount Window was $31.0 million as of December 31, 2016. For further information on borrowings from the FHLB see Note H.

OTHER BORROWED FUNDS

OTHER BORROWED FUNDS	12 Months Ended
	Dec. 31, 2016
Long-term Debt, Unclassified [Abstract]
OTHER BORROWED FUNDS	NOTE H – OTHER BORROWED FUNDS (DOLLARS IN THOUSANDS) Maturities of other borrowings at December 31, 2016, and 2015, are summarized as follows: December 31, 2016 2015 Weighted- Weighted- Average Average Amount Rate Amount Rate $ % $ % FHLB fixed rate loans 2016 — — 15,500 1.93 2017 15,000 1.26 15,000 1.26 2018 11,650 1.22 11,650 1.22 2019 9,267 1.58 6,767 1.68 2020 10,677 1.59 10,677 1.59 2021 9,443 1.59 — — 2022 5,220 1.26 Total other borrowings 61,257 1.41 59,594 1.53 As a member of the FHLB of Pittsburgh, the Corporation has access to significant credit facilities. Borrowings from FHLB are secured with a blanket security agreement and the required investment in FHLB member bank stock. As part of the security agreement, the Corporation maintains unencumbered qualifying assets (principally 1-4 family residential mortgage loans) in an amount at least as much as the advances from the FHLB. Additionally, all of the Corporation’s FHLB stock is pledged to secure these advances. The Corporation had an FHLB maximum borrowing capacity of $343.4 million as of December 31, 2016, with remaining borrowing capacity of $273.8 million. The borrowing arrangement with the FHLB is subject to annual renewal. The maximum borrowing capacity is recalculated quarterly. As of December 31, 2016 and 2015, the Corporation had no securities sold under an agreement to repurchase, but as of December 31, 2014, there were two securities sold under an agreement to repurchase, for $10.0 million. These repurchase agreements were accounted for as collateralized financing. All repurchase instruments had call features with different variable-to-fixed and fixed-to-variable rate provisions. A summary of repurchase agreements for the years ended December 31, 2016, 2015, and 2014 is as follows: REPURCHASE AGREEMENTS (DOLLAR IN THOUSANDS) 2016 2015 2014 $ $ $ Repurchase agreements outstanding at year end — — 10,000 Average interest rate at year end — — 4.37% Maximum outstanding at any month end — 10,000 15,000 Average amount outstanding for the year — 5,863 12,904 Weighted-average interest rate for the year — 4.74% 4.62% The Corporation uses repurchase agreements as a secondary source of funding after customer deposits as a way to mitigate interest rate risk and extend liability length. Management views repurchase agreements as a diversification of funding outside of the FHLB. However, post the financial crisis period, repurchase agreements have not been offered to the extent they were before and they also have not been as competitive compared to other long-term funding options, hence no new repurchase agreements have been entered into since 2008.

CAPITAL TRANSACTIONS

CAPITAL TRANSACTIONS	12 Months Ended
	Dec. 31, 2016
Class of Stock Disclosures [Abstract]
CAPITAL TRANSACTIONS	NOTE I – CAPITAL TRANSACTIONS On June 17, 2015, the Board of Directors of ENB Financial Corp announced the approval of a new plan to purchase, in open market and privately negotiated transactions, up to 140,000 shares of its outstanding common stock. Shares repurchased are being held as treasury shares to be utilized in connection with the Corporation’s three stock purchase plans. The first purchase of common stock under this plan occurred on July 31, 2015. As of December 31, 2016, a total of 26,135 shares were repurchased under this plan at a weighted-average cost per share of $32.99. Currently, the following three stock purchase plans are in place: · a nondiscriminatory employee stock purchase plan (ESPP), which allows employees to purchase shares at a 10% discount from the stock’s fair market value at the end of each quarter, · a dividend reinvestment plan (DRP), and; · a directors’ stock purchase plan (DSPP). The ESPP was started in 2001 and is the largest of the three plans. There were 6,880 shares issued through the ESPP in 2016 with 92,490 shares issued since existence. The DRP was started in 2005 and has grown to nearly as large as the ESPP with 6,265 shares issued in 2016 and 85,069 total shares issued since existence. Lastly, the DSPP was started in 2010 as an additional option for board compensation. This plan is limited to outside directors. Only 1,713 shares were issued in connection with this plan in 2016 and 14,825 since existence. In 2015, there were 7,527 shares issued through the ESPP, 6,371 shares issued through the DRP, and 1,725 shares issued through the DSPP. The plans are beneficial to the Corporation as all reissued shares increase capital and since dividends are paid out in the form of additional shares, the plans act as a source of funds. All plans issue shares from treasury shares acquired. During 2016, 14,858 shares were reissued from treasury shares in connection with the plans. As of December 31, 2016, the Corporation held 19,175 treasury shares, at a weighted-average cost of $32.75 per share, with a cost basis of $628,000.

RETIREMENT PLANS

RETIREMENT PLANS	12 Months Ended
	Dec. 31, 2016
Compensation and Retirement Disclosure [Abstract]
RETIREMENT PLANS	NOTE J – RETIREMENT PLANS The Corporation provides an optional 401(k) plan, in which employees may elect to defer pre-tax or after-tax salary dollars, subject to the maximum annual Internal Revenue Service contribution amounts. The contribution maximum for 2016 and 2015 was $18,000, and in 2014 was $17,500 for persons under age 50, and for persons over age 50 was $24,000 in 2016 and $23,000 in 2015 and 2014. The Corporation matches employee contributions into the 401(k) plan at a rate of 50% on the first 5.0% of employee contributions. The Corporation’s cost for this 401(k) match was $266,000, $225,000 and $219,000 for 2016, 2015, and 2014, respectively. Effective January 1, 2016, the Corporation consolidated its Money Purchase Pension Plan and 401(k) Savings Plan. In the process of the consolidation the Money Purchase Pension feature was discontinued and replaced with a Non-Elective Safe Harbor feature and a Non-Elective Employer Contribution feature. Under the new plan, the Corporation provides a Non-Elective Safe Harbor Contribution equal to 3% of all employee’s compensation for the year. Additionally, the Corporation may contribute a Non-Elective Employer Contribution of up to 2% annually to all employees aged 21 or older who work 1,000 or greater hours in a calendar year and have met the eligibility requirements of the plan. In year 2015 and 2014, the Corporation provided 5% of all employee compensation in the Money Purchase Pension Plan for qualifying employees. The qualification for the Non-Elective Employer Contribution under the new 401(k) Savings Plan mirrors the requirements of the Money Purchase Pension Plan. Effective January 1, 2016, the balance of the Money Purchase Pension Plan was transferred into the new 401(k) Savings Plan. For purposes of the new 401(k) Savings Plan and the former Money Purchase Pension Plan, covered compensation was limited to $265,000 in 2016, $265,000 in 2015, and $260,000 in 2014. Total expenses of the plan were $651,000, $497,000, and $470,000, for 2016, 2015, and 2014, respectively. The Corporation’s new 401(k) Savings Plan is fully funded as all obligations are funded monthly. Employees who have met the eligibility requirements of the new plan have the potential to receive employer contributions of 7.5% of their compensation. Employees that contributed at least 5% of their compensation into the new 401(k) Savings Plan will continue to receive an employer matching contribution of 2.5% of their compensation. Employees who met the eligibility requirements under the new 401(k) Savings Plan will receive a Non-Elective Safe Harbor Contribution of 3% of their compensation and may receive a Non-Elective Employer Contribution of 2% of their compensation.

DEFERRED COMPENSATION

DEFERRED COMPENSATION	12 Months Ended
	Dec. 31, 2016
Deferred Compensation Arrangements [Abstract]
DEFERRED COMPENSATION	NOTE K - DEFERRED COMPENSATION Prior to 1999, directors of the Corporation had the ability to defer their directors’ fees into a directors’ deferred compensation plan. Directors electing to defer their compensation signed a contract that allowed the Corporation to take out a life insurance policy on the director designed to fund the future deferred compensation obligation, which is paid out over a ten-year period at retirement age. A contract and life insurance policy was taken out for each period of pay deferred. The amount of deferred compensation to be paid to each director was actuarially determined based on the amount of life insurance the annual directors’ fees were able to purchase. This amount varies for each director depending on age, general health, and the number of years until the director is entitled to begin receiving payments. The Corporation is the owner and beneficiary of all life insurance policies on the directors. At the time the directors’ pay was deferred, the Corporation used the amount of the annual directors’ fees to pay the premiums on the life insurance policies. The Corporation could continue to pay premiums after the deferment period, or could allow the policies to fund annual premiums through loans against the policy’s cash surrender value. The Corporation has continued to pay the premiums on the life insurance policies and no loans exist on the policies. The life insurance policies had an aggregate face amount of $3,409,000 for December 31, 2016, and December 31, 2015. The death benefits totaled $6,399,000 at December 31, 2016 and 2015. The cash surrender value of the above policies totaled $4,726,000 and $4,516,000 as of December 31, 2016, and 2015, respectively. The net present value of the vested portion of deferred payments totaled $279,000 at December 31, 2016, and $435,000 at December 31, 2015. The interest rate used to discount these obligations was 4.50% for 2016 and 2015. These net present value amounts are included in other liabilities on the Corporation’s Consolidated Balance Sheets. Total charges to expense for deferred compensation amounted to $16,000 for 2016, $23,000 for 2015, and $29,000 for 2014, and are included in other operating expenses in the Consolidated Statements of Income.

INCOME TAXES

INCOME TAXES	12 Months Ended
	Dec. 31, 2016
Income Tax Disclosure [Abstract]
INCOME TAXES	NOTE L - INCOME TAXES Federal income tax expense as reported differs from the amount computed by applying the statutory Federal income tax rate to income before taxes. A reconciliation of the differences by amount and percent is as follows: FEDERAL INCOME TAX SUMMARY (DOLLARS IN THOUSANDS) Year Ended December 31, 2016 2015 2014 $ % $ % $ % Income tax at statutory rate 3,028 34.0 2,811 34.0 2,937 34.0 Tax-exempt interest income (1,478 ) (16.6 ) (1,270 ) (15.4 ) (1,266 ) (14.7 ) Non-deductible interest expense 52 0.6 39 0.5 49 0.6 Bank-owned life insurance (267 ) (3.0 ) (247 ) (3.0 ) (218 ) (2.5 ) Other 18 0.2 25 0.3 44 0.5 Income tax expense 1,353 15.2 1,358 16.4 1,546 17.9 The ability to realize the benefit of deferred tax assets is dependent upon a number of factors, including the generation of future taxable income, the ability to carry back losses to recover taxes paid in previous years, the ability to offset capital losses with capital gains, the reversal of deferred tax liabilities, and certain tax planning strategies. The Corporation has a deferred tax asset for credits related to Alternative Minimum Taxes (AMT) of $1,043,000 as of December 31, 2016, and $1,085,000 as of December 31, 2015. The AMT credits have an unlimited carry-forward period. No valuation has been established for these deferred tax assets in view of the Corporation’s ability to carry forward tax credits to future years, coupled with the anticipated future taxable income as evidenced by the Corporation’s earnings potential. U.S. generally accepted accounting principles prescribe a recognition threshold and a measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. Benefits from tax positions should be recognized in the financial statements only when it is more likely than not that the tax position will be sustained upon examination by the appropriate taxing authority that would have full knowledge of all relevant information. A tax position that meets the more-likely-than-not recognition threshold is measured at the largest amount of benefit that is greater than 50 percent likely of being realized upon ultimate settlement. Tax positions that previously failed to meet the more-likely-than-not recognition threshold should be recognized in the first subsequent financial reporting period in which that threshold is met. Previously recognized tax positions that no longer meet the more-likely-than-not recognition threshold should be derecognized in the first subsequent financial reporting period in which that threshold is no longer met. There is currently no liability for uncertain tax positions and no known unrecognized tax benefits. The Corporation recognizes, when applicable, interest and penalties related to unrecognized tax benefits in the provision for income taxes in the Consolidated Statements of Income. With few exceptions, the Corporation is no longer subject to U.S. federal, state, or local income tax examinations by tax authorities for years before 2013. Significant components of income tax expense are as follows: (DOLLARS IN THOUSANDS) Year Ended December 31, 2016 2015 2014 $ $ $ Current tax expense 1,734 1,095 1,032 Deferred tax expense (benefit) (381 ) 275 531 Valuation allowance adjustment — (12 ) (17 ) Income tax expense 1,353 1,358 1,546 Components of the Corporation's net deferred tax position are as follows: (DOLLARS IN THOUSANDS) December 31, 2016 2015 2014 $ $ $ Deferred tax assets Allowance for loan losses 2,571 2,406 2,428 Net unrealized holding losses on securities available for sale 2,516 130 — Deferred compensation reserve 95 148 199 Capital loss carryforward — 13 25 Tax credit carryforward 1,043 1,085 996 Allowance for off-balance sheet extensions of credit 117 155 105 Interest on non-accrual loans 166 155 170 Other 7 7 6 Total deferred tax assets 6,515 4,099 3,929 Valuation allowance — (13 ) (25 ) Net deferred taxes 6,515 4,086 3,904 Deferred tax liabilities Premises and equipment (1,497 ) (1,852 ) (1,536 ) Net unrealized holding gains on securities available for sale — — (516 ) Discount on investment securities — (1 ) (1 ) Other (41 ) (24 ) (13 ) Total deferred tax liabilities (1,538 ) (1,877 ) (2,066 ) Net deferred tax assets 4,977 2,209 1,838

REGULATORY MATTERS AND RESTRICT

REGULATORY MATTERS AND RESTRICTIONS	12 Months Ended
	Dec. 31, 2016
Regulatory Capital Requirements [Abstract]
REGULATORY MATTERS AND RESTRICTIONS	NOTE M – REGULATORY MATTERS AND RESTRICTIONS The Corporation and the Bank are subject to various regulatory capital requirements administered by the Federal banking agencies. Failure to meet the minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Corporation’s consolidated financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Corporation and the Bank must meet specific capital guidelines that involve quantitative measures of their assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. The quantitative measures established by regulation to ensure capital adequacy require the Corporation and the Bank to maintain minimum amounts and ratios (set forth below) of tier I capital to average assets, and common equity tier I capital, tier I capital, and total capital to risk-weighted assets. As of December 31, 2016 and 2015, the Corporation and Bank were categorized as “well capitalized” under the regulatory framework for prompt corrective action. There are no conditions or events since that notification that management believes have changed the institution’s category. The following chart details the Corporation’s and the Bank’s capital levels as of December 31, 2016 and December 31, 2015, compared to regulatory levels. CAPITAL LEVELS To Be Well (DOLLARS IN THOUSANDS) Capitalized Under For Capital Prompt Corrective Actual Adequacy Purposes Action Provision $ % $ % $ % As of December 31, 2016 Total Capital to Risk-Weighted Assets Consolidated 107,732 15.2 56,635 8.0 70,794 10.0 Bank 106,084 15.0 56,634 8.0 70,793 10.0 Tier I Capital to Risk-Weighted Assets Consolidated 99,824 14.1 42,476 6.0 56,635 8.0 Bank 98,176 13.9 42,476 6.0 56,634 8.0 Common Equity Tier I Capital to Risk-Weighted Assets Consolidated 99,824 14.1 31,857 4.5 46,016 6.5 Bank 98,176 13.9 31,857 4.5 46,015 6.5 Tier I Capital to Average Assets Consolidated 99,824 10.2 39,092 4.0 48,865 5.0 Bank 98,176 10.1 39,059 4.0 48,824 5.0 As of December 31, 2015 Total Capital to Risk-Weighted Assets Consolidated 102,891 15.9 51,638 8.0 64,548 10.0 Bank 101,791 15.8 51,596 8.0 64,495 10.0 Tier I Capital to Risk-Weighted Assets Consolidated 95,353 14.8 38,729 6.0 51,638 8.0 Bank 94,258 14.6 38,697 6.0 51,596 8.0 Common Equity Tier I Capital to Risk-Weighted Assets Consolidated 95,353 14.8 29,046 4.5 41,956 6.5 Bank 94,258 14.6 29,023 4.5 41,921 6.5 Tier I Capital to Average Assets Consolidated 95,353 10.8 35,358 4.0 44,198 5.0 Bank 94,258 10.7 35,342 4.0 44,178 5.0 In addition to the capital guidelines, certain laws restrict the amount of dividends paid to stockholders in any given year. The approval of the OCC shall be required if the total of all dividends declared by the Corporation in any year shall exceed the total of its net profits for that year combined with retained net profits of the preceding two years. Under this restriction, the Corporation could declare dividends in 2017, without the approval of the OCC, of approximately $7.4 million, plus an additional amount equal to the Corporation’s net profits for 2017, up to the date of any such dividend declaration.

TRANSACTIONS WITH DIRECTORS AND

TRANSACTIONS WITH DIRECTORS AND OFFICERS	12 Months Ended
	Dec. 31, 2016
Related Party Transactions [Abstract]
TRANSACTIONS WITH DIRECTORS AND OFFICERS	NOTE N – TRANSACTIONS WITH DIRECTORS AND OFFICERS The following table presents activity in the amounts due from directors, executive officers, immediate family, and affiliated companies. These transactions are made on the same terms and conditions, including interest rates and collateral requirements as those prevailing at the time for comparable transactions with others. An analysis of the activity with respect to such aggregate loans to related parties is shown below. LOANS TO INSIDERS (DOLLARS IN THOUSANDS) Actual $ Balance, January 1, 2015 4,211 Advances 2,165 Repayments (2,113 ) Other Changes (15 ) Balance, December 31, 2015 4,248 Balance, January 1, 2016 4,248 Advances 2,427 Repayments (2,222 ) Balance, December 31, 2016 4,453 In the Corporation’s case, other changes in the table above for the year ended December 31, 2015, represented two executive officers who retired during the year. Deposits from the insiders totaled $4,999,000 as of December 31, 2016, and $5,282,000 as of December 31, 2015.

COMMITMENTS AND CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	12 Months Ended
	Dec. 31, 2016
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS AND CONTINGENCIES	NOTE O - COMMITMENTS AND CONTINGENCIES In the normal course of business, the Corporation makes various commitments that are not reflected in the accompanying consolidated financial statements. These are commonly referred to as off-balance sheet commitments and include firm commitments to extend credit, unused lines of credit, and open letters of credit. On December 31, 2016, firm loan commitments totaled approximately $35.1 million; unused lines of credit totaled $189.2 million; and open letters of credit totaled $10.3 million. The sum of these commitments, $234.6 million, represents total exposure to credit loss in the event of nonperformance by customers with respect to these financial instruments; however the vast majority of these commitments are typically not drawn upon. The same credit policies for on-balance sheet instruments apply for making commitments and conditional obligations and the actual credit losses that could arise from the exercise of these commitments is expected to compare favorably with the loan loss experience on the loan portfolio taken as a whole. Commitments to extend credit on December 31, 2015, totaled $217.3 million, representing firm loan commitments of $49.1 million, unused lines of credit of $156.5 million, and open letters of credit totaling $11.7 million. Firm commitments to extend credit and unused lines of credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. Each customer’s creditworthiness is evaluated on an individual basis. The amount of collateral obtained, if deemed necessary by the extension of credit, is based on management’s credit evaluation of the customer. These commitments are supported by various types of collateral, where it is determined that collateral is required. Open letters of credit are conditional commitments issued to guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support public and private borrowing arrangements. Most guarantees expire within one year. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loans to customers. While various assets of the customer act as collateral for these letters of credit, real estate is the primary collateral held for these potential obligations.

FINANCIAL INSTRUMENTS WITH CONC

FINANCIAL INSTRUMENTS WITH CONCENTRATIONS OF CREDIT RISK	12 Months Ended
	Dec. 31, 2016
Risks and Uncertainties [Abstract]
FINANCIAL INSTRUMENTS WITH CONCENTRATIONS OF CREDIT RISK	NOTE P - FINANCIAL INSTRUMENTS WITH CONCENTRATIONS OF CREDIT RISK The Corporation determines concentrations of credit risk by reviewing loans by borrower, geographical area, and loan purpose. The amount of credit extended to a single borrower or group of borrowers is capped by the legal lending limit, which is defined as 15% of the Bank’s risk-based capital, less the allowance for loan losses. The Corporation’s lending policy further restricts the amount to 75% of the legal lending limit. As of December 31, 2016, the Corporation’s legal lending limit was $15,913,000, and the Corporation’s lending policy limit was $11,934,000. This compared to a legal lending limit of $15,269,000, and lending policy limit of $11,451,000 as of December 31, 2015. As of December 31, 2016 and 2015, no lending relationships exceeded the Corporation’s internal lending policy limit. Geographically, the primary lending area for the Corporation encompasses Lancaster, Lebanon, and Berks counties of Pennsylvania, with the vast majority of the loans made in Lancaster County. The ability of debtors to honor their loan agreements is impacted by the health of the local economy. The Corporation’s immediate market area benefits from a diverse economy, which has resulted in a diverse loan portfolio. As a community bank, the largest amount of loans outstanding consists of personal mortgages, residential rental loans, and personal loans secured by real estate. Beyond personal lending, the Corporation’s business and commercial lending includes loans for agricultural, construction, specialized manufacturing, service industries, many types of small businesses, and loans to governmental units and non-profit entities. Management evaluates concentrations of credit based on loan purpose on a quarterly basis. The Corporation’s greatest concentration of loans by purpose is residential real estate, which comprises $213.8 million, or 37.5%, of the $570.6 million gross loans outstanding as of December 31, 2016. This compares to $181.2 million, or 34.9%, of the $519.6 million of gross loans outstanding as of December 31, 2015. Residential real estate consists of first mortgages and home equity loans. A concentration in commercial real estate of 48.2%, or $275.1 million, also exists; however, within that category there is not a concentration by specific industry type. The Corporation remains focused on agricultural purpose loans, of which the vast majority are real estate secured. Agricultural mortgages made up 28.7% of gross loans as of December 31, 2016, compared to 30.5% as of December 31, 2015; however these agricultural mortgages are spread over several broader types of agricultural purpose loans. More specifically within these larger purpose categories, management monitors on a quarterly basis the largest concentrations of non-consumer credit based on the North American Industrial Classification System (NAICS). As of December 31, 2016, the largest specific industry type categories were dairy cattle and milk production loans of $88.3 million, or 15.5% of gross loans, non-residential real estate investment loans with a balance of $39.5 million, or 6.9% of gross loans, and broilers and other chicken production loans of $34.7 million, or 6.1% of gross loans. Outside of consumer and commercial real estate, including agricultural mortgages, the third largest component of the Corporation’s loans consist of commercial and industrial loans. These loans are generally secured by personal guarantees, inventory or pledges of municipalities. Out of the $77.2 million of loans designated as commercial and industrial for the Uniform Bank Performance Reports, the largest concentration within that area is $13.1 million of loans to political subdivisions, which account for 2.3% of gross loans outstanding. For the Corporation, these loans consisted of tax-free loans to local municipalities. To evaluate risk for the securities portfolio, the Corporation reviews both geographical concentration and credit ratings. The largest geographical concentrations as of December 31, 2016, were obligations of states and political subdivisions located in the states of Pennsylvania, Texas, and Illinois. Based on fair market value, the Corporation held $28.8 million of obligations issued by municipalities within the state of Pennsylvania, which is 23.1% of the municipal portfolio, and 9.5% of total debt securities. The Corporation held $21.9 million of obligations issued by municipalities within the state of Texas, which is 17.6% of the municipal portfolio, and 7.2% of total debt securities. The Corporation also held $20.7 million of obligations of states and political subdivisions issued by municipalities located within the state of Illinois, which is 16.7% of the municipal portfolio, and 6.9% of total debt securities. Internal policy requires municipal bonds purchased to be rated at least A3 by Moody’s and/or A- by Standard & Poor’s (S&P) at the time of purchase. As of December 31, 2016, no municipal bonds were below the A3/A- credit ratings the Corporation requires at the time of purchase. The Corporation held $52.9 million of corporate bonds based on amortized cost as of December 31, 2016. As a total, the $52.9 million represents 17.1% of the Corporation’s total debt securities. Management has a policy limit of maintaining corporate bonds at less than 20% of the securities portfolio. Additionally, to limit credit exposure to any one issuer, the Corporation’s policy limits investment to $3 million of par value per company. Out of the $52.9 million of total corporate securities, $35.7 million is domestic and $17.2 million is foreign-issued debt. None of the Corporation’s foreign corporate debt originates from the European countries that have struggled with the sovereign debt crisis, namely Portugal, Italy, Ireland, Greece, and Spain. Most of the Corporation’s foreign-issued debt is from the United Kingdom, Australia, and Canada. Within the corporate bond segment of the portfolio, management has preferred to invest in the banking, brokerage, and finance industry, where management is more comfortable analyzing and evaluating the credit risk of these firms. As a result, based on amortized cost, $42.8 million, or 80.9%, of the corporate bonds held are invested in national or foreign banks, bank holding companies, brokerage firms, or finance companies. In this broader finance-related group, management has selectively pursued foreign bank-issued debt where there is governmental ownership of the bank, and/or implied backing driven by the heavy reliance on these banks for the nation’s financial system. Out of the total $42.8 million of financial and brokerage-related corporate issues, $25.6 million is domestic and $17.2 million is foreign. All of the $17.2 million of foreign financial-related corporate paper is in the form of foreign bank-issued debt. Out of the $25.6 million of domestic financial-related debt, $13.6 million is in bank debt and $12.0 million is in brokerage. The remaining $10.1 million of non-financial related corporate paper consists of $4.2 million in energy companies, $2.8 million in insurance companies, $2.1 million in cell phone and television companies, and $1.0 million in farm equipment companies. By internal policy, at time of purchase, all corporate bonds must carry a credit rating of at least A3 by Moody’s or A- by S&P, and at all times corporate bonds are to be investment grade, which is defined as Baa3 for Moody’s and BBB- for S&P, or above. As of December 31, 2016, all of the Corporation’s corporate bonds carried at least a credit rating of A3 by Moody’s or A- by S&P.

FAIR VALUE MEASUREMENTS

FAIR VALUE MEASUREMENTS	12 Months Ended
	Dec. 31, 2016
Fair Value Disclosures [Abstract]
FAIR VALUE MEASUREMENTS	NOTE Q - FAIR VALUE MEASUREMENTS The following disclosures show the hierarchal disclosure framework associated with the level of pricing observations utilized in measuring assets and liabilities at fair value. The three broad levels defined by U.S. generally accepted accounting principles are as follows: Level I: Quoted prices are available in active markets for identical assets or liabilities as of the reported date. Level II: Pricing inputs are other than the quoted prices in active markets, which are either directly or indirectly observable as of the reported date. The nature of these assets and liabilities includes items for which quoted prices are available but traded less frequently and items that are fair-valued using other financial instruments, the parameters of which can be directly observed. Level III: Valuations derived from valuation techniques in which one or more significant inputs or significant value drivers are unobservable. This hierarchy requires the use of observable market data when available. The following table presents the assets reported on the Consolidated Balance Sheets at their fair value as of December 31, 2016, by level within the fair value hierarchy. Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement. ASSETS REPORTED AT FAIR VALUE (DOLLARS IN THOUSANDS) December 31, 2016 Level I Level II Level III Total $ $ $ $ U.S. government agencies — 32,261 — 32,261 U.S. agency mortgage-backed securities — 55,869 — 55,869 U. S. agency collateralized mortgage obligations — 37,936 — 37,936 Corporate bonds — 52,091 — 52,091 Obligations of states and political subdivisions — 124,430 — 124,430 Marketable equity securities 5,524 — — 5,524 Total securities 5,524 302,587 — 308,111 On December 31, 2016, the Corporation held no securities valued using level III inputs. All of the Corporation’s debt instruments were valued using level II inputs, where quoted prices are available and observable but not necessarily quotes on identical securities traded in active markets on a daily basis. The Corporation’s CRA fund investments and bank stocks are fair valued utilizing level I inputs because the funds have their own quoted prices in an active market. As of December 31, 2016, the CRA fund investments had a $5,250,000 book and market value and the bank stocks had a book value of $219,000 and a market value of $274,000. Financial instruments are considered level III when their values are determined using pricing models, discounted cash flow methodologies, or similar techniques, and at least one significant model assumption or input is unobservable. In addition to these unobservable inputs, the valuation models for level III financial instruments typically also rely on a number of inputs that are readily observable either directly or indirectly. Level III financial instruments also include those for which the determination of fair value requires significant management judgment or estimation. The following table presents the assets reported on the Consolidated Balance Sheets at their fair value as of December 31, 2015, by level within the fair value hierarchy. Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement. ASSETS REPORTED AT FAIR VALUE (DOLLARS IN THOUSANDS) December 31, 2015 Level I Level II Level III Total $ $ $ $ U.S. government agencies — 29,691 — 29,691 U.S. agency mortgage-backed securities — 41,980 — 41,980 U. S. agency collateralized mortgage obligations — 47,331 — 47,331 Corporate bonds — 63,305 — 63,305 Obligations of states and political subdivisions — 101,583 — 101,583 Marketable equity securities 5,533 — — 5,533 Total securities 5,533 283,890 — 289,423 On December 31, 2015, the Corporation held no securities valued using level III inputs. All of the Corporation’s debt instruments were valued using level II inputs, where quoted prices are available and observable but not necessarily quotes on identical securities traded in active markets on a daily basis. The Corporation’s CRA fund investments and bank stocks are fair valued utilizing level I inputs because the funds have their own quoted prices in an active market. As of December 31, 2015, the CRA fund investments had a $5,000,000 book and market value and the bank stocks had a book value of $515,000 and a market value of $533,000. The following table presents the assets measured on a nonrecurring basis on the Consolidated Balance Sheets at their fair value as of December 31, 2016, and December 31, 2015, by level within the fair value hierarchy. ASSETS MEASURED ON A NONRECURRING BASIS (DOLLARS IN THOUSANDS) December 31, 2016 Level I Level II Level III Total $ $ $ $ Assets: Impaired Loans — — 1,969 1,969 OREO — — — — Total — — 1,969 1,969 December 31, 2015 Level I Level II Level III Total $ $ $ $ Assets: Impaired Loans — — 1,705 1,705 OREO — — — — Total — — 1,705 1,705 The Corporation had a total of $1,969,000 of impaired loans as of December 31, 2016, with no specific allocation against these loans. As of December 31, 2015, the Corporation had a total of $1,705,000 of impaired loans with no specific allocation against these loans. Other real estate owned (OREO) is measured at fair value, less estimated costs to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management. The assets are carried at the lower of carrying amount or fair value, less estimated costs to sell. The Corporation had no OREO as of December 31, 2016 or December 31, 2015. The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis for which the Corporation has utilized level III inputs to determine fair value: QUANTITATIVE INFORMATION ABOUT LEVEL III FAIR VALUE MEASUREMENTS (DOLLARS IN THOUSANDS) December 31, 2016 Fair Value Valuation Unobservable Range Estimate Techniques Input (Weighted Avg) Impaired loans 1,969 Appraisal of collateral (1) Appraisal adjustments (2) 0% to -20% (-20%) Liquidation expenses (2) 0% to -10% (-10%) December 31, 2015 Fair Value Valuation Unobservable Range Estimate Techniques Input (Weighted Avg) Impaired loans 1,705 Appraisal of collateral (1) Appraisal adjustments (2) 0% to -20% (-20%) Liquidation expenses (2) 0% to -10% (-10%) (1) Fair value is generally determined through independent appraisals of the underlying collateral, which generally includes various level III inputs which are not identifiable. (2) Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal.

DISCLOSURES ABOUT FAIR VALUE OF

DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS	12 Months Ended
	Dec. 31, 2016
Fair Value, Assets, Liabilities and Stockholders' Equity Measured on Recurring Basis [Abstract]
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS	NOTE R - DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS The following methods and assumptions were used to estimate the fair value of each class of financial instruments: Cash and Cash Equivalents For these short-term instruments, the carrying amount is a reasonable estimate of fair value. Securities Available for Sale Management utilizes quoted market pricing for the fair value of the Corporation's securities that are available for sale, if available. If a quoted market rate is not available, fair value is estimated using quoted market prices for similar securities. Regulatory Stock Regulatory stock is valued at a stable dollar price, which is the price used to purchase or liquidate shares; therefore the carrying amount is a reasonable estimate of fair value. Loans Held for Sale Loans held for sale are individual loans for which the Corporation has a firm sales commitment; therefore, the carrying value is a reasonable estimate of the fair value. Loans The fair value of fixed and variable rate loans is estimated by discounting back the scheduled future cash flows of the particular loan product, using the market interest rates of comparable loan products in the Corporation’s greater market area, with the same general structure, comparable credit ratings, and for the same remaining maturities. Accrued Interest Receivable The carrying amount of accrued interest receivable is a reasonable estimate of fair value. Bank-Owned Life Insurance Fair value is equal to the cash surrender value of the life insurance policies. Deposits The fair value of non-interest bearing demand deposit accounts and interest bearing demand deposit and savings accounts is based on the amount payable on demand at the reporting date. The fair value of fixed-maturity time deposits is estimated by discounting back the expected cash flows of the time deposit using market interest rates from the Corporation’s greater market area, which are currently being offered for similar time deposits with similar remaining maturities. Borrowings The fair value of a term borrowing is estimated by comparing the rate currently offered for the same type of borrowing instrument with a matching remaining term. Accrued Interest Payable The carrying amount of accrued interest payable is a reasonable estimate of fair value. Firm Commitments to Extend Credit, Lines of Credit, and Open Letters of Credit These financial instruments are generally not subject to sale and estimated fair values are not readily available. The carrying value, represented by the net deferred fee arising from the unrecognized commitment or letter of credit, and the fair value, determined by discounting the remaining contractual fee over the term of the commitment, using fees currently charged to enter into similar agreements with similar credit risk, is not considered material for disclosure purposes. The contractual amounts of unfunded commitments are presented in Note O. The carrying amounts and estimated fair values of the Corporation's financial instruments at December 31, 2016, are summarized as follows: FAIR VALUE OF FINANCIAL INSTRUMENTS (DOLLARS IN THOUSANDS) December 31, 2016 Quoted Prices in Active Markets Significant Other Significant for Identical Observable Unobservable Carrying Assets Inputs Inputs Amount Fair Value (Level I) (Level II) (Level III) $ $ $ $ $ Financial Assets: Cash and cash equivalents 45,632 45,632 45,632 — — Securities available for sale 308,111 308,111 5,524 302,587 — Regulatory stock 5,372 5,372 5,372 — — Loans held for sale 2,552 2,552 2,552 — — Loans, net of allowance 564,005 563,418 — — 563,418 Accrued interest receivable 3,750 3,750 3,750 — — Bank owned life insurance 24,687 24,687 24,687 — — Financial Liabilities: Demand deposits 280,543 280,543 280,543 — — Interest-bearing demand deposits 20,108 20,108 20,108 — — NOW accounts 85,540 85,540 85,540 — — Money market deposit accounts 93,943 93,943 93,943 — — Savings accounts 175,753 175,753 175,753 — — Time deposits 161,604 163,464 — — 163,464 Total deposits 817,491 819,351 655,887 — 163,464 Short-term borrowings 8,329 8,329 8,329 — — Long-term debt 61,257 61,372 — — 61,372 Accrued interest payable 384 384 384 — — The carrying amounts and estimated fair values of the Corporation’s financial instruments at December 31, 2015, are summarized as follows: FAIR VALUE OF FINANCIAL INSTRUMENTS (DOLLARS IN THOUSANDS) December 31, 2015 Quoted Prices in Active Markets Significant Other Significant for Identical Observable Unobservable Carrying Assets Inputs Inputs Amount Fair Value (Level I) (Level II) (Level III) $ $ $ $ $ Financial Assets: Cash and cash equivalents 44,227 44,227 44,227 — — Securities available for sale 289,423 289,423 5,533 283,890 — Regulatory stock 4,314 4,314 4,314 — — Loans held for sale 1,126 1,126 1,126 — — Loans, net of allowance 513,205 512,481 — — 512,481 Accrued interest receivable 3,600 3,600 3,600 — — Bank owned life insurance 23,869 23,869 23,869 — — Financial Liabilities: Demand deposits 236,214 236,214 236,214 — — Interest-bearing demand deposits 14,737 14,737 14,737 — — NOW accounts 77,180 77,180 77,180 — — Money market deposit accounts 82,508 82,508 82,508 — — Savings accounts 148,319 148,319 148,319 — — Time deposits 181,104 182,887 — — 182,887 Total deposits 740,062 741,845 558,958 — 182,887 Short-term borrowings 8,736 8,736 8,736 Long-term debt 59,594 59,805 — — 59,805 Accrued interest payable 456 456 456 — —

ACCUMULATED OTHER COMPREHENSIVE

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)	12 Months Ended
	Dec. 31, 2016
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)	NOTE S – ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) The activity in accumulated other comprehensive loss for the years ended December 31, 2016 and 2015 is as follows: ACCUMULATED OTHER COMPREHENSIVE LOSS (1) (2) (DOLLARS IN THOUSANDS) Unrealized Gains (Losses) on Securities Available-for-Sale $ Balance at January 1, 2016 (252 ) Other comprehensive loss before reclassifications (3,069 ) Amount reclassified from accumulated other comprehensive loss (1,564 ) Period change (4,633 ) Balance at December 31, 2016 (4,885 ) Balance at January 1, 2015 1,002 Other comprehensive income before reclassifications 621 Amount reclassified from accumulated other comprehensive income (1,875 ) Period change (1,254 ) Balance at December 31, 2015 (252 ) (1) All amounts are net of tax. Related income tax expense or benefit is calculated using a Federal income tax rate of 34%. (2) Amounts in parentheses indicate debits. DETAILS ABOUT ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) COMPONENTS (1) (DOLLARS IN THOUSANDS) Amount Reclassified from Accumulated Other Comprehensive Income (Loss) For the Year Ended December 31, Affected Line Item 2016 2015 in the Consolidated $ $ Statements of Income Securities available-for-sale: Net securities gains reclassified into earnings 2,370 2,840 Gains on securities transactions, net Related income tax expense (806 ) (965 ) Provision for federal income taxes Net effect on accumulated other comprehensive loss for the period 1,564 1,875 Total reclassifications for the period 1,564 1,875 (1) Amounts in parentheses indicate debits.

CONDENSED PARENT ONLY DATA

CONDENSED PARENT ONLY DATA	12 Months Ended
	Dec. 31, 2016
Condensed Financial Information of Parent Company Only Disclosure [Abstract]
CONDENSED PARENT ONLY DATA	NOTE T – CONDENSED PARENT ONLY DATA Condensed Balance Sheets (Parent Company Only) (DOLLARS IN THOUSANDS) December 31, 2016 2015 $ $ Assets Cash 1,356 509 Securities available for sale (at fair value) 274 533 Equity in bank subsidiary 93,255 93,994 Other assets 54 66 Total assets 94,939 95,102 Stockholders' Equity Common stock 574 574 Capital surplus 4,403 4,395 Retained earnings 95,475 91,029 Accumulated other comprehensive loss, net of tax (4,885 ) (252 ) Treasury stock (628 ) (644 ) Total stockholders' equity 94,939 95,102 Condensed Statements of Comprehensive Income (DOLLARS IN THOUSANDS) Year Ended December 31, 2016 2015 2014 $ $ $ Income Dividend income - investment securities 29 16 9 Gains on securities transactions 171 25 49 Dividend income 3,606 3,581 3,556 Undistributed earnings of bank subsidiary 3,918 3,462 3,621 Total income 7,724 7,084 7,235 Expense Shareholder expenses 125 118 129 Other expenses 46 56 14 Total expense 171 174 143 Net Income 7,553 6,910 7,092 Comprehensive Income 2,920 5,656 12,034 Condensed Statements of Cash Flows (DOLLARS IN THOUSANDS) Year Ended December 31, 2016 2015 2014 Cash Flows from Operating Activities: $ $ $ Net Income 7,553 6,910 7,092 Equity in undistributed earnings of subsidiaries (3,918 ) (3,462 ) (3,621 ) Gains on securities transactions, net (171 ) (25 ) (49 ) Net change in other assets 12 5 (3 ) Net cash provided by operating activities 3,476 3,428 3,419 Cash Flows from Investing Activities: Proceeds from sales of securities available for sale 812 167 338 Purchases of securities available for sale (358 ) (467 ) (327 ) Net cash provided by (used for) investing activities 454 (300 ) 11 Cash Flows from Financing Activities: Proceeds from issuance of treasury stock 489 512 499 Payment to repurchase common stock (465 ) (752 ) (485 ) Dividends paid (3,107 ) (3,081 ) (3,057 ) Net cash used for financing activities (3,083 ) (3,321 ) (3,043 ) Cash and Cash Equivalents: Net change in cash and cash equivalents 847 (193 ) 387 Cash and cash equivalents at beginning of period 509 702 315 Cash and cash equivalents at end of period 1,356 509 702 The unaudited quarterly results of operations for the years ended 2016, 2015, and 2014 are as follows:

SUMMARY OF QUARTERLY FINANCIAL

SUMMARY OF QUARTERLY FINANCIAL DATA (UNAUDITED)	12 Months Ended
	Dec. 31, 2016
Quarterly Financial Data [Abstract]
SUMMARY OF QUARTERLY FINANCIAL DATA (UNAUDITED)	NOTE U - SUMMARY OF QUARTERLY FINANCIAL DATA (UNAUDITED) (DOLLARS IN THOUSANDS, EXCEPT PER SHARE DATA) 2016 1st Qtr 2nd Qtr 3rd Qtr 4th Qtr $ $ $ $ Interest income 6,886 6,294 7,393 7,768 Interest expense 811 757 751 735 Net interest income 6,075 5,537 6,642 7,033 Less provision (credit) for loan losses (50 ) 50 200 125 Net interest income after provision (credit) for loan losses 6,125 5,487 6,442 6,908 Other income 2,651 3,087 2,828 2,578 Operating expenses: Salaries and employee benefits 3,971 4,040 4,219 4,539 Occupancy and equipment expenses 777 787 831 879 Other operating expenses 1,734 1,885 1,698 1,840 Total operating expenses 6,482 6,712 6,748 7,258 Income before income taxes 2,294 1,862 2,522 2,228 Provision for Federal income taxes 382 218 445 308 Net income 1,912 1,644 2,077 1,920 FINANCIAL RATIOS Per share data: Net income 0.67 0.58 0.73 0.67 Cash dividends paid 0.27 0.27 0.27 0.28 2015 1st Qtr 2nd Qtr 3rd Qtr 4th Qtr $ $ $ $ Interest income 6,872 6,718 6,761 6,491 Interest expense 1,014 951 928 851 Net interest income 5,858 5,767 5,833 5,640 Less provision (credit) for loan losses 200 100 (150 ) — Net interest income after provision (credit) for loan losses 5,658 5,667 5,983 5,640 Other income 2,201 2,394 2,342 3,118 Operating expenses: Salaries and employee benefits 3,702 3,674 3,679 3,741 Occupancy and equipment expenses 822 822 791 783 Other operating expenses 1,626 1,691 1,620 1,784 Total operating expenses 6,150 6,187 6,090 6,308 Income before income taxes 1,709 1,874 2,235 2,450 Provision for Federal income taxes 243 278 382 455 Net income 1,466 1,596 1,853 1,995 FINANCIAL RATIOS Per share data: Net income 0.51 0.56 0.65 0.70 Cash dividends paid 0.27 0.27 0.27 0.27 2014 1st Qtr 2nd Qtr 3rd Qtr 4th Qtr $ $ $ $ Interest income 6,872 6,825 6,696 6,744 Interest expense 1,217 1,217 1,155 1,087 Net interest income 5,655 5,608 5,541 5,657 Less provision (credit) for loan losses (200 ) (100 ) — 250 Net interest income after credit for loan losses 5,855 5,708 5,541 5,407 Other income 2,180 2,168 2,275 2,925 Operating expenses: Salaries and employee benefits 3,430 3,481 3,517 3,515 Occupancy and equipment expenses 776 727 763 794 Other operating expenses 1,592 1,581 1,487 1,758 Total operating expenses 5,798 5,789 5,767 6,067 Income before income taxes 2,237 2,087 2,049 2,265 Provision for Federal income taxes 399 347 337 463 Net income 1,838 1,740 1,712 1,802 FINANCIAL RATIOS Per share data: Net income 0.64 0.61 0.60 0.63 Cash dividends paid 0.26 0.27 0.27 0.27

SUBSEQUENT EVENTS

SUBSEQUENT EVENTS	12 Months Ended
	Dec. 31, 2016
Subsequent Events [Abstract]
SUBSEQUENT EVENTS	NOTE V – SUBSEQUENT EVENTS Subsequent to December 31, 2016, but prior to the filing of this document, the Corporation settled on a parcel of land in January 2017 in Strasburg, Pennsylvania for a planned full-service branch office. Branch construction is scheduled to begin in the second quarter of 2017 with planned completion and opening by year-end 2017. Management estimates the aggregate of the purchase price and other costs related to building the branch to be approximately $3.6 million.

SUMMARY OF SIGNIFICANT ACCOUN31

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 2016
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation The consolidated financial statements of ENB Financial Corp and its subsidiary, Ephrata National Bank, (collectively “the Corporation”) conform to U.S. generally accepted accounting principles (GAAP). The preparation of these statements requires that management make estimates and assumptions that affect the reported amount of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Material estimates of the Corporation, including the allowance for loan losses, the fair market value of financial instruments, and deferred tax assets or liabilities, are evaluated regularly by management. Actual results could differ from the reported estimates given different conditions or assumptions. The accounting and reporting policies followed by the Corporation conform with U.S. GAAP and to general practices within the banking industry. All significant intercompany transactions have been eliminated in consolidation. The following is a summary of the more significant policies.
Cash and Cash Equivalents	Cash and Cash Equivalents For purposes of reporting cash flows, cash and cash equivalents are identified as cash and due from banks and include cash on hand, collection items, amounts due from banks, and interest bearing deposits in other banks with maturities of less than 90 days.
Securities Available for Sale and Other Than Temporary Impairment	Securities Available for Sale The Corporation classifies its entire portfolio of debt and equity securities as available for sale securities, which the Corporation reports at fair value. Any unrealized valuation gains or losses in the portfolio are reported as a separate component of stockholders' equity, net of deferred income taxes. The constant yield method is used for the amortization of premiums and the accretion of discounts for all of the Corporation’s securities with the exception of collateralized mortgage obligations (CMOs) and mortgage backed securities (MBS). The constant yield method maintains a stable yield on the instrument through its maturity. For CMOs and MBS, a two-step/proration method is used for amortization and accretion. The first step is a proration based on the current pay down. This component ensures that the book price stays level with par. The second step amortizes or accretes the remaining premium or discount to the calculated final amortization or accretion date based on the current three-month constant prepayment rates. Net gains or losses realized on sales or calls of securities are reported as gains or losses on security transactions during the year of sale, using the specific identification method. Other Than Temporary Impairment (“OTTI”) Management monitors all of the Corporation’s securities for OTTI on a monthly basis and determines whether any impairment should be recorded. A number of factors are considered in determining whether a security is impaired, including, but not limited to, the following: · Percentage of unrealized losses, · Period of time the security has had unrealized losses, · Type of security, · Maturity date of the instrument if a debt instrument, · The intent to sell the security or whether it is more likely than not that the Corporation would be required to sell the security before its anticipated recovery in market value, · Amount of projected credit losses based on current cash flow analysis, default and severity rates, and · Market dynamics impacting the market for and liquidity of the security. Management will more closely evaluate those securities that have unrealized losses of 10% or more and have had unrealized losses for more than twelve months. If management determines that the declines in value of the security are not temporary, or if management does not have the ability to hold the security until maturity, which is the case with equity securities, then management will record impairment on the security. For equity securities, typically the amount of impairment is the difference between the security’s book value and current fair market value determined by obtaining independent market pricing. For debt securities evaluated for impairment, management will determine what portion of the unrealized valuation loss is attributed to projected or known loss of principal, and what portion is attributed to market pricing not reflective of the true value of the security, based on current cash flow analysis. Management will generally record impairment equivalent to the projected or known loss of principal, known as the credit loss. The other portion of the fair market value loss is attributed to market factors and it is management’s opinion that these fair value losses are temporary and not permanent. All impairment is recorded as a loss on securities and is included in the Corporation’s Consolidated Statements of Income.
Loans	Loans Held for Investment Loans receivable, that management has the intent and ability to hold for the foreseeable future, or until maturity or payoff, generally are reported at the outstanding principal balances, reduced by any charge-offs and net of any deferred loan origination fees or costs. Net loan origination fees and costs are deferred and recognized as an adjustment of yield over the contractual life of the loan. Interest accrues daily on outstanding loan balances. Generally, the accrual of interest discontinues when the ability to collect the loan becomes doubtful or when a loan becomes more than 90 days past due as to principal and interest. These loans are referred to as non-accrual loans. Management may elect to continue the accrual of interest based on the expectation of future payments and/or the sufficiency of the underlying collateral.
Loans Held for Sale	Loans Held for Sale Loans originated and intended for sale on the secondary market are carried at the lower of cost or fair value in the aggregate. Net unrealized losses, if any, are recognized through a valuation allowance by charges to income. In general, fixed-rate residential mortgage loans originated by the Corporation and held for sale are carried in the aggregate at the lower of cost or market. The Corporation originates loans for immediate sale with servicing retained and servicing released to several investors. However, the vast majority of the sold mortgages are sold to the Federal Home Loan Bank of Pittsburgh (FHLB) and Fannie Mae, with servicing retained. As a result, the Corporation has a growing portfolio of mortgages that are serviced on behalf of FHLB and Fannie Mae. In addition, the Corporation originates FHA, VA, and USDA mortgages which are originated for immediate sale to various investors on a service-released basis.
Allowance for Loan Losses	Allowance for Loan Losses The allowance for loan losses is maintained at a level considered by management to be adequate to provide for known and inherent risks in the loan portfolio at the Consolidated Balance Sheets dates. The monthly provision or credit for loan losses is an expense or a reduction of expense which increases or decreases the allowance, and charge-offs, net of recoveries, decrease the allowance. The Corporation performs ongoing credit reviews of the loan portfolio and considers current economic conditions, historical loan loss experience, and other factors in determining the adequacy of the reserve balance. Loans determined to be uncollectible are charged to the allowance during the period in which such determination is made. In calculating the allowance, management will begin by compiling the balance of loans by credit quality for each loan segment in order that allocations can be made in aggregate based on historic losses and qualitative factors. Prior to calculating these aggregate allocations, management will individually evaluate commercial and commercial real estate loans for impairment. A loan is impaired when it is probable that a creditor will be unable to collect all principal and interest due according to the contractual terms of the loan agreement. All other loan types such as residential mortgages, home equity loans and lines of credit, and all other consumer loans, are not individually evaluated for impairment and are therefore allocated for in aggregate. These loans are considered to be large groups of smaller-balance homogenous loans and are measured for impairment collectively. Loans that experience insignificant payment delays, which are defined as 90 days or less, generally are not classified as impaired. Management determines the significance of payment delays on a case-by-case basis, taking into consideration all circumstances concerning the loan, the creditworthiness and payment history of the borrower, the length of the payment delay, and the amount of shortfall in relation to the principal and interest owed. For loans deemed to be impaired, management will provide a specific allocation. This loan balance is then subtracted from the total loan balances being allocated for in the aggregate. The remaining balances, along with the full loan balances for the other loan types are then multiplied by an adjusted loss ratio, which is the sum of both the historical loss ratio and a qualitative factor adjustment. Generally both the historical loss ratio and the qualitative factor adjustment will increase as the credit rating of the loan deteriorates. The credit ratings begin with unclassified loans, which represent the best internal credit rating, also referred to as a “pass” credit and then continue with declining grades of special mention, substandard, doubtful, and loss. Special mention loans are no longer deemed to be a “pass” credit and require additional management attention. They are essentially placed on “watched” status and attempts are made to improve the credit to an unclassified status. If the credit would deteriorate further it would then be a substandard credit, which for regulatory purposes, is deemed to be a classified loan. Doubtful and loss credit grades represent further credit deterioration and are also considered classified loans. For each loan type, all of these credit rating categories are broken out with adjusted loss ratios. The loan balance is then multiplied by the adjusted loss ratio to produce the required allowance. The allowances are totaled and added to any specific allocations on impaired loans to arrive at the total allowance for loan losses for the Corporation. Management tracks and assigns a historical loss percentage for each loan rating category within each loan type. A rolling three-year historical loss ratio, calculated on a quarterly basis, with a 60%, 30%, and 10% weighting for the past three years is used. In this manner the historical loss percentage is heavily weighted to the current loss environment, but has sufficient weighting assigned to prior periods to avoid unnecessary volatile fluctuations based on just one period’s data. Management currently utilizes nine qualitative factors that are adjusted based on changes in the lending environment and economic conditions. The qualitative factors include the following: · levels of and trends in delinquencies, non-accruals, and charge-offs, · trends in the nature and volume of the loan portfolio, · changes in lending policies and procedures, · experience, ability, and depth of lending personnel and management oversight, · national and local economic trends, · concentrations of credit, · external factors such as competition, legal, and regulatory requirements, · changes in the quality of loan review and Board oversight, · changes in the value of underlying collateral. The number of qualitative factors can change. Factors can be added for new risks or taken away if the risk no longer applies. Each loan type will have its own risk profile and management will evaluate and adjust each qualitative factor for each loan type quarterly, if necessary. For example, if one area of the loan portfolio is experiencing sharp increases in growth, it is likely the qualitative factor for trends in the loan portfolio would be increased for that loan type. As levels of delinquencies and non-accrual loans decline for any segment of the loan portfolio it is likely that factor would be reduced. In terms of the Corporation’s loan portfolio, the commercial and industrial loans and commercial real estate loans are deemed to have more risk than the consumer real estate loans and other consumer loans in the portfolio. The commercial loans not secured by real estate are highly dependent on their financial condition and therefore are more dependent on economic conditions. The commercial loans secured by real estate are also dependent on economic conditions but generally have stronger forms of collateral. More recently, commercial real estate has been negatively impacted by devaluation so these commercial loans carry a higher qualitative factor for changes in the value of collateral. The commercial loans and commercial real estate loans have historically been responsible for the majority of the Corporation’s delinquencies, non-accrual loans, and charge-offs, so both of these categories carry higher qualitative factors than consumer real estate loans and other consumer loans. The Corporation has historically experienced very low levels of consumer real estate and consumer loan charge-offs so these qualitative factors are set lower than the commercial real estate and commercial and industrial loans. More recently, the agriculture segment of the loan portfolio is growing faster than all other segments and, therefore, the qualitative factors for trends and collateral were increased in this area due to more volume and increased exposure to potential loss.
Impaired and Non-Accrual Loans	Impaired and Non-Accrual Loans The definition of “impaired loans” is not the same as the definition of “non-accrual loans,” although the two categories overlap. Generally, a non-accrual loan will always be considered impaired due to payment delinquency or uncertain collection, but there are cases where an impaired loan is not considered non-accrual. The primary factors considered by management in determining impairment include payment status and collateral value, but could also include debt service coverage, financial health of the business, and other external factors that could impact the ability of the borrower to fully repay the loan. The amount of impairment for these types of loans is determined by the difference between the present value of the expected cash flows related to the loan using the original interest rate and its recorded value or, as a practical expedient in the case of collateral-dependent loans, the difference between the fair value of the collateral and the recorded amount of the loan. When foreclosure is probable, impairment is measured based on the fair value of the collateral on a discounted basis, relative to the loan amount. Management will place a business or commercial loan on non-accrual status when it is determined that the loan is impaired, or when the loan is 90 days past due with a history of prolonged periods of delinquency. These customers will generally be placed on non-accrual status at the end of each quarter. Consumer loans over 90 days delinquent are generally charged off or, in the case of larger residential real estate loans, they would be placed on non-accrual status as the Corporation seeks to bring the customer current or pursue foreclosure options. When the borrower is on non-accrual, the Corporation will reverse any accrued interest on the books and will discontinue recognizing any interest income until the borrower is placed back on accrual status or fully pays off the loan balance plus any accrued interest. Payments received by the customer while the loan is on non-accrual are fully applied against principal. The Corporation maintains records of the full amount of interest that is owed by the borrower. A non-accrual loan will generally only be placed back on accrual status after the borrower has become current and has demonstrated six consecutive months of non-delinquency.
Allowance for Off-Balance Sheet Extensions of Credit	Allowance for Off-Balance Sheet Extensions of Credit The Corporation maintains an allowance for off-balance sheet extensions of credit, which would include any unadvanced amount on lines of credit and any letters of credit provided to borrowers. The allowance is carried as a liability and is included in other liabilities on the Corporation’s Consolidated Balance Sheets. The liability was $345,000 as of December 31, 2016, and $455,000 as of December 31, 2015. As the unadvanced portion of lines of credit increases, this provision will increase. Management follows the same methodology as the allowance for loan losses when calculating the allowance for off-balance sheet extensions of credit, with the exception of multiplying the unadvanced total by a high/low balance variance to arrive at the expected unadvanced portion that could be drawn upon at any time, or the amount at risk. The unadvanced amounts for each loan segment are broken down by credit classification. A historical loss ratio and qualitative factor are calculated for each credit classification by loan type. The historical loss ratio and qualitative factor are combined to produce an adjusted loss ratio, which is multiplied by the amount at risk for each credit classification within each loan segment to arrive at an allocation. The allocations are summed to arrive at the total allowance for off-balance sheet extensions of credit.
Other Real Estate Owned (OREO)	Other Real Estate Owned (OREO) OREO represents properties acquired through customer loan defaults. These properties are recorded at the lower of cost or fair value less projected disposal costs at acquisition date. Fair value is determined by current appraisals. Costs associated with holding OREO are charged to operational expense. OREO is a component of other assets on the Corporation’s Consolidated Balance Sheets. The Corporation had no OREO as of December 31, 2016, or December 31, 2015.
Mortgage Servicing Rights (MSRs)	Mortgage Servicing Rights (MSRs) The Corporation has agreements for the express purpose of selling residential mortgage loans on the secondary market, referred to as mortgage servicing rights. The Corporation maintains all servicing rights for loans currently sold through FHLB and Fannie Mae. The Corporation had $410,000 of MSRs as of December 31, 2016, compared to $240,000 as of December 31, 2015. Management expects MSRs to continue to grow as a result of the recently expanded mortgage program. The value of newly originated MSRs is determined by estimating the life of the mortgage and how long the Corporation will have access to the servicing income stream to determine the relative fair value. The Corporation utilizes a third party that calculates the MSR valuation on a quarterly basis. A longer estimated life would increase the MSR while a shorter estimated life would decrease the value of the asset. Management records the MSR value based on this reporting. Ultimately the value of the MSRs would be at what level a willing buyer and seller would exchange the MSRs. MSRs are amortized in proportion to the estimated servicing income over the estimated life of the servicing portfolio. Impairment is evaluated based on the fair value of the rights, portfolio interest rates, and prepayment characteristics. MSRs are a component of other assets on the Consolidated Balance Sheets.
Premises and Equipment	Premises and Equipment Land is carried at cost. Premises and equipment are carried at cost, less accumulated depreciation. Book depreciation is computed using straight-line methods over the estimated useful lives of generally fifteen to thirty-nine years for buildings and improvements and four to ten years for furniture and equipment. Maintenance and repairs of property and equipment are charged to operational expense as incurred, while major improvements are capitalized. Net gains or losses upon disposition are included in other income or operational expense, as applicable.
Transfer of Assets	Transfer of Assets Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
Bank-Owned Life Insurance (BOLI)	Bank-Owned Life Insurance (BOLI) BOLI is carried by the Corporation at the cash surrender value of the underlying policies. Income earned on the policies is based on any increase in cash surrender value less the cost of the insurance, which varies according to age and health of the insured. The life insurance policies owned by the Corporation had a cash surrender value of $24,687,000 and $23,869,000 as of December 31, 2016, and 2015, respectively. The increase in BOLI cash surrender value was due to normal appreciation of the policies as a result of returns exceeding expenses.
Advertising Costs	Advertising Costs The Corporation expenses advertising costs as incurred. Advertising costs for the years ended December 31, 2016, 2015, and 2014, were 614,000, $552,000, and $474,000, respectively.
Income Taxes	Income Taxes An asset and liability approach is followed for financial accounting and reporting for income taxes. Accordingly, a net deferred tax asset or liability is recorded in the consolidated financial statements for the tax effects of temporary differences, which are items of income and expense reported in different periods for income tax and financial reporting purposes. Deferred tax expense is determined by the change in the assets or liabilities related to deferred income taxes. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes.
Earnings per Share	Earnings per Share The Corporation currently maintains a simple capital structure with no stock option plans that would have a dilutive effect on earnings per share. Earnings per share are calculated by dividing net income by the weighted-average number of shares outstanding for the periods.
Comprehensive Income (Loss).	Comprehensive Income The Corporation is required to present comprehensive income in a full set of general-purpose consolidated financial statements for all periods presented. Other comprehensive income (loss) consists of unrealized holding gains and losses on the available for sale securities portfolio.
Segment Disclosure	Segment Disclosure U.S. generally accepted accounting principles establish standards for the manner in which public business enterprises report information about segments in the annual financial statements and requires that those enterprises report selected information about operating segments in interim financial reports issued to shareholders. It also establishes standards for related disclosures regarding financial products and services, geographic areas, and major customers. The Corporation has only one operating segment consisting of its banking and fiduciary operations.
Pension Plans	Pension Plans The Corporation provides an optional 401(k) plan, in which employees may elect to defer pre-tax salary dollars, subject to the maximum annual Internal Revenue Service contribution amounts. The Corporation will match 50% of employee contributions up to 5%, limiting the match to 2.5%. As part of the 401(k) Plan, the Corporation also has a noncontributory Profit Sharing Plan which covers substantially all employees. The Corporation provides a 3% Non-Elective contribution to all employees and contributes a 2% Elective Contribution to all employees aged 21 or older who work 1,000 or greater hours in a calendar year and have completed at least one full year of employment.
Trust Assets and Income	Trust Assets and Income Assets held by ENB’s Money Management Group in a fiduciary or agency capacity for customers are not included in the Corporation’s Consolidated Balance Sheets since these items are not assets of the Corporation. In accordance with banking industry practice, trust income is recognized on a cash basis, as such income does not differ significantly from amounts that would be recognized on an accrual basis. Trust income is reported in the Corporation’s Consolidated Statements of Income under other income.
Reclassification of Comparative Amounts	Reclassification of Comparative Amounts Certain comparative amounts for the prior year have been reclassified to conform to current-year classifications. Such reclassifications had no material effect on net income or stockholders’ equity.
Recently Issued Accounting Standards	Recently Issued Accounting Standards In January 2017, the FASB issued ASU 2017-01, Business Combinations (Topic 805), Clarifying the Definition of a Business In December 2016, the FASB issued ASU 2016-20 , Technical Corrections and Improvements to Topic 606, Revenue from Contracts with Customers Guarantees In December 2016, the FASB issued ASU 2016-19, Technical Corrections and Improvements In October 2016, the FASB issued ASU 2016-18, Statement of Cash Flows (Topic 230) In October 2016, the FASB issued ASU 2016-17, Consolidation (Topic 810) In October 2016, the FASB issued ASU 2016-16, Income Taxes (Topic 740) In August 2016, the FASB issued ASU 2016-15, Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payments In June 2016, the FASB issued ASU 2016-13, Financial Instruments - Credit Losses: Measurement of Credit Losses on Financial Instruments In May 2016, the FASB issued ASU 2016-12, Revenue from Contracts with Customers (Topic 606) Revenue from Contracts with Customers (Topic 606) Revenue from Contracts with Customers (Topic 606): Deferral of the Effective Date In May 2016, the FASB issued ASU 2016-11, Revenue Recognition (Topic 605) and Derivative and Hedging (Topic 815 In April 2016, the FASB issued ASU 2016-10, Revenue from Contracts with Customers (Topic 606). Revenue from Contracts with Customers (Topic 606) Revenue from Contracts with Customers (Topic 606) Deferral of the Effective Date In March 2016, the FASB issued ASU 2016-09, Compensation – Stock Compensation (Topic 718) Share-Based Payment In March 2016, the FASB issued ASU 2016-08, Revenue from Contracts with Customers (Topic 606). Revenue from Contracts with Customers (Topic 606), Revenue from Contracts with Customers (Topic 606): Deferral of the Effective Date, In March 2016, the FASB issued ASU 2016-07, Investments – Equity Method and Joint Ventures (Topic 323) . The Update affects all entities that have an investment that becomes qualified for the equity method of accounting as a result of an increase in the level of ownership interest or degree of influence. The amendments in this Update eliminate the requirement that when an investment qualifies for use of the equity method as a result of an increase in the level of ownership interest or degree of influence, an investor must adjust the investment, results of operations, and retained earnings retroactively on a step-by-step basis as if the equity method had been in effect during all previous periods that the investment had been held. The amendments require that the equity method investor add the cost of acquiring the additional interest in the investee to the current basis of the investor's previously held interest and adopt the equity method of accounting as of the date the investment becomes qualified for equity method accounting. Therefore, upon qualifying for the equity method of accounting, no retroactive adjustment of the investment is required. The amendments in this Update require that an entity that has an available-for-sale equity security that becomes qualified for the equity method of accounting recognize through earnings the unrealized holding gain or loss in accumulated other comprehensive income at the date the investment becomes qualified for use of the equity method. The amendments in this Update are effective for all entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2016. The amendments should be applied prospectively upon their effective date to increases in the In March 2016, the FASB issued ASU 2016-06, Derivatives and Hedging (Topic 815) In March 2016, the FASB issued ASU 2016-05, Derivatives and Hedging (Topic 815) . For public business entities, the amendments in this Update are effective for financial statements issued for fiscal years beginning after December 15, 2016, and interim periods within those fiscal years. For all other entities, the amendments in this Update are effective for financial statements issued for fiscal years beginning after December 15, 2017, and interim periods within fiscal years beginning after December 15, 2018. An entity has an option to apply the amendments in this Update In March 2016, the FASB issued ASU 2016-04, Liabilities – In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842)

SECURITIES AVAILABLE FOR SALE (

SECURITIES AVAILABLE FOR SALE (Tables)	12 Months Ended
	Dec. 31, 2016
Investments, Debt and Equity Securities [Abstract]
Schedule of amortized cost and fair value of securities	The amortized cost and fair value of securities held at December 31, 2016, and 2015, are as follows: Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value $ $ $ $ December 31, 2016 U.S. government agencies 33,124 — (863 ) 32,261 U.S. agency mortgage-backed securities 56,826 22 (979 ) 55,869 U.S. agency collateralized mortgage obligations 38,737 41 (842 ) 37,936 Corporate bonds 52,928 8 (845 ) 52,091 Obligations of states and political subdivisions 128,428 346 (4,344 ) 124,430 Total debt securities 310,043 417 (7,873 ) 302,587 Marketable equity securities 5,469 55 — 5,524 Total securities available for sale 315,512 472 (7,873 ) 308,111 December 31, 2015 U.S. government agencies 29,829 3 (141 ) 29,691 U.S. agency mortgage-backed securities 42,288 39 (347 ) 41,980 U.S. agency collateralized mortgage obligations 48,140 125 (934 ) 47,331 Corporate bonds 63,825 29 (549 ) 63,305 Obligations of states and political subdivisions 100,208 1,780 (405 ) 101,583 Total debt securities 284,290 1,976 (2,376 ) 283,890 Marketable equity securities 5,515 23 (5 ) 5,533 Total securities available for sale 289,805 1,999 (2,381 ) 289,423
Schedule of contractual maturity of debt securities	The amortized cost and fair value of debt securities available for sale at December 31, 2016, by contractual maturity, are shown below. Actual maturities may differ from contractual maturities due to certain call or prepayment provisions. CONTRACTUAL MATURITY OF DEBT SECURITIES (DOLLARS IN THOUSANDS) Amortized Cost Fair Value $ $ Due in one year or less 16,818 16,571 Due after one year through five years 88,609 87,400 Due after five years through ten years 83,077 81,148 Due after ten years 121,539 117,468 Total debt securities 310,043 302,587
Schedule of proceeds and gains and losses on securities available for sale	Proceeds from active sales of debt securities available for sale, along with the associated gross realized gains and gross realized losses, are shown below. Realized gains and losses are computed on the basis of specific identification. PROCEEDS FROM SALES OF SECURITIES AVAILABLE FOR SALE (DOLLARS IN THOUSANDS) Securities Available for Sale 2016 2015 2014 $ $ $ Proceeds from sales 163,085 154,384 155,363 Gross realized gains 2,457 2,934 3,815 Gross realized losses 87 94 684
Schedule of securities in an unrealized loss position (temporary impairment)	Information pertaining to securities with gross unrealized losses at December 31, 2016, and December 31, 2015, aggregated by investment category and length of time that individual securities have been in a continuous loss position follows: TEMPORARY IMPAIRMENTS OF SECURITIES (DOLLARS IN THOUSANDS) Less than 12 months More than 12 months Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses $ $ $ $ $ $ As of December 31, 2016 U.S. government agencies 32,261 (863 ) — — 32,261 (863 ) U.S. agency mortgage-backed securities 47,418 (856 ) 3,989 (123 ) 51,407 (979 ) U.S. agency collateralized mortgage obligations 33,206 (842 ) — — 33,206 (842 ) Corporate bonds 45,335 (830 ) 2,002 (15 ) 47,337 (845 ) Obligations of states & political subdivisions 101,229 (4,063 ) 8,041 (281 ) 109,270 (4,344 ) Total debt securities 259,449 (7,454 ) 14,032 (419 ) 273,481 (7,873 ) Marketable equity securities — — — — — — Total temporarily impaired securities 259,449 (7,454 ) 14,032 (419 ) 273,481 (7,873 ) As of December 31, 2015 U.S. government agencies 24,968 (106 ) 1,965 (35 ) 26,933 (141 ) U.S. agency mortgage-backed securities 24,613 (235 ) 4,827 (112 ) 29,440 (347 ) U.S. agency collateralized mortgage obligations 26,563 (827 ) 4,652 (107 ) 31,215 (934 ) Corporate bonds 50,530 (532 ) 2,002 (17 ) 52,532 (549 ) Obligations of states & political subdivisions 21,913 (252 ) 7,435 (153 ) 29,348 (405 ) Total temporarily impaired securities 148,587 (1,952 ) 20,881 (424 ) 169,468 (2,376 ) Marketable equity securities 142 (5 ) — — 142 (5 ) Total temporarily impaired securities 148,729 (1,957 ) 20,881 (424 ) 169,610 (2,381 )
Schedule of credit losses recognized in earnings on debt securities	The following table provides a cumulative roll forward of credit losses recognized in earnings for debt securities held: CREDIT LOSSES ON DEBT SECURITIES (DOLLARS IN THOUSANDS) For the year ended December 31, 2016 2015 2014 $ $ $ Beginning balance — — 1,148 Credit losses on debt securities for which other-than-temporary impairment has not been previously recognized — — — Additional credit losses on debt securities for which other-than- temporary impairment was previously recognized — — 22 Sale of debt securities with previously recognized impairment — — (1,170 ) Ending balance — — —

LOANS AND ALLOWANCE FOR LOAN 33

LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)	12 Months Ended
	Dec. 31, 2016
Receivables [Abstract]
Schedule of loan portfolio by category	The following table presents the Corporation’s loan portfolio by category of loans for 2016 and 2015. LOAN PORTFOLIO (DOLLARS IN THOUSANDS) December 31, 2016 2015 $ $ Commercial real estate Commercial mortgages 86,434 87,613 Agriculture mortgages 163,753 158,321 Construction 24,880 14,966 Total commercial real estate 275,067 260,900 Consumer real estate (a) 1-4 family residential mortgages 150,253 133,538 Home equity loans 10,391 10,288 Home equity lines of credit 53,127 37,374 Total consumer real estate 213,771 181,200 Commercial and industrial Commercial and industrial 42,471 36,189 Tax-free loans 13,091 19,083 Agriculture loans 21,630 18,305 Total commercial and industrial 77,192 73,577 Consumer 4,537 3,892 Gross loans prior to deferred costs and allowance for loan losses 570,567 519,569 Deferred loan costs, net 1,000 714 Allowance for loan losses (7,562 ) (7,078 ) Total net loans 564,005 513,205 (a) Real estate loans serviced for others, which are not included in the Consolidated Balance Sheets, totaled $66,767,000 and $38,024,000 as of December 31, 2016, and 2015, respectively.
Schedule of commercial and consumer credit exposure	COMMERCIAL CREDIT EXPOSURE CREDIT RISK PROFILE BY INTERNALLY ASSIGNED GRADE (DOLLARS IN THOUSANDS) Commercial Commercial Agriculture and Tax-free Agriculture December 31, 2016 Mortgages Mortgages Construction Industrial Loans Loans Total $ $ $ $ $ $ $ Grade: Pass 78,367 155,820 23,880 36,887 13,091 20,245 328,290 Special Mention 4,860 5,360 — 1,955 — 653 12,828 Substandard 3,207 2,573 1,000 3,629 — 732 11,141 Doubtful — — — — — — — Loss — — — — — — — Total 86,434 163,753 24,880 42,471 13,091 21,630 352,259 December 31, 2015 Commercial Agriculture Construction Commercial Tax-free Agriculture Total $ $ $ $ $ $ $ Grade: Pass 81,865 154,507 13,822 35,416 19,083 17,860 322,553 Special Mention 511 623 — — — 125 1,259 Substandard 5,237 3,191 1,144 773 — 320 10,665 Doubtful — — — — — — — Loss — — — — — — — Total 87,613 158,321 14,966 36,189 19,083 18,305 334,477 The following table presents the balances of consumer loans by classes of the loan portfolio based on payment performance as of December 31, 2016 and 2015: CONSUMER CREDIT EXPOSURE CREDIT RISK PROFILE BY PAYMENT PERFORMANCE (DOLLARS IN THOUSANDS) 1-4 Family Home Equity December 31, 2016 Residential Home Equity Lines of Mortgages Loans Credit Consumer Total Payment performance: $ $ $ $ $ Performing 149,873 10,388 53,127 4,536 217,924 Non-performing 380 3 — 1 384 Total 150,253 10,391 53,127 4,537 218,308 CONSUMER CREDIT EXPOSURE CREDIT RISK PROFILE BY PAYMENT PERFORMANCE (DOLLARS IN THOUSANDS) 1-4 Family Home Equity December 31, 2015 Residential Home Equity Lines of Mortgages Loans Credit Consumer Total Payment performance: $ $ $ $ $ Performing 133,220 10,278 37,327 3,889 184,714 Non-performing 318 10 47 3 378 Total 133,538 10,288 37,374 3,892 185,092
Schedule of aging of loans receivable	The following tables present an age analysis of the Corporation’s past due loans, segregated by loan portfolio class, as of December 31, 2016 and 2015: AGING OF LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Loans December 31, 2016 Greater Receivable > 30-59 Days 60-89 Days than 90 Total Past Total Loans 90 Days and Past Due Past Due Days Due Current Receivable Accruing $ $ $ $ $ $ $ Commercial real estate Commercial mortgages — 419 417 836 85,598 86,434 — Agriculture mortgages 165 — — 165 163,588 163,753 — Construction — — — — 24,880 24,880 — Consumer real estate 1-4 family residential mortgages 565 662 380 1,607 148,639 150,246 380 Home equity loans 178 — 3 181 10,307 10,488 3 Home equity lines of credit — — — — 53,037 53,037 — Commercial and industrial Commercial and industrial 266 — 75 341 42,130 42,471 — Tax-free loans — — — — 13,091 13,091 — Agriculture loans — — — — 21,630 21,630 — Consumer 16 4 1 21 4,516 4,537 1 Total 1,190 1,085 876 3,151 567,416 570,567 384 Loans December 31, 2015 Greater Receivable > 30-59 Days 60-89 Days than 90 Total Past Total Loans 90 Days and Past Due Past Due Days Due Current Receivable Accruing $ $ $ $ $ $ $ Commercial real estate Commercial mortgages — 601 — 601 87,012 87,613 — Agriculture mortgages — — — — 158,321 158,321 — Construction — — — — 14,966 14,966 — Consumer real estate 1-4 family residential mortgages 1,264 123 318 1,705 131,833 133,538 318 Home equity loans 27 59 10 96 10,192 10,288 10 Home equity lines of credit 35 — 47 82 37,292 37,374 47 Commercial and industrial Commercial and industrial 20 9 — 29 36,160 36,189 — Tax-free loans — — — — 19,083 19,083 — Agriculture loans — — — — 18,305 18,305 — Consumer 17 17 3 37 3,855 3,892 3 Total 1,363 809 378 2,550 517,019 519,569 378
Schedule of nonaccrual loans by class	The following table presents non-accrual loans by classes of the loan portfolio as of December 31: NON-ACCRUAL LOANS BY LOAN CLASS (DOLLARS IN THOUSANDS) 2016 2015 $ $ Commercial real estate Commercial mortgages 646 380 Agriculture mortgages — — Construction — — Consumer real estate 1-4 family residential mortgages — — Home equity loans — — Home equity lines of credit — — Commercial and industrial Commercial and industrial 75 — Tax-free loans — — Agriculture loans — — Consumer — — Total 721 380
Schedule of impaired loans	The following table summarizes information in regards to impaired loans by loan portfolio class as of December 31, 2016: IMPAIRED LOAN ANALYSIS (DOLLARS IN THOUSANDS) Recorded Unpaid Related Average Interest $ $ $ $ $ With no related allowance recorded: Commercial real estate Commercial mortgages 646 743 — 768 2 Agriculture mortgages 1,248 1,248 — 1,285 55 Construction — — — — — Total commercial real estate 1,894 1,991 — 2,053 57 Commercial and industrial Commercial and industrial 75 75 — 76 — Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial 75 75 — 76 — Total with no related allowance 1,969 2,066 — 2,129 57 With an allowance recorded: Commercial real estate Commercial mortgages — — — — — Agriculture mortgages — — — — — Construction — — — — — Total commercial real estate — — — — — Commercial and industrial Commercial and industrial — — — — — Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial — — — — — Total with a related allowance — — — — — Total by loan class: Commercial real estate Commercial mortgages 646 743 — 768 2 Agriculture mortgages 1,248 1,248 — 1,285 55 Construction — — — — — Total commercial real estate 1,894 1,991 — 2,053 57 Commercial and industrial Commercial and industrial 75 75 — 76 — Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial 75 75 — 76 — Total 1,969 2,066 — 2,129 57 The following table summarizes information in regards to impaired loans by loan portfolio class as of December 31, 2015: IMPAIRED LOAN ANALYSIS (DOLLARS IN THOUSANDS) Recorded Unpaid Related Average Interest $ $ $ $ $ With no related allowance recorded: Commercial real estate Commercial mortgages 380 952 — 544 — Agriculture mortgages 1,325 1,325 — 1,359 83 Construction — — — — — Total commercial real estate 1,705 2,277 — 1,903 83 Commercial and industrial Commercial and industrial — 49 — 54 3 Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial — 49 — 54 3 Total with no related allowance 1,705 2,326 — 1,957 86 With an allowance recorded: Commercial real estate Commercial mortgages — — — — — Agriculture mortgages — — — — — Construction — — — — — Total commercial real estate — — — — — Commercial and industrial Commercial and industrial — — — — — Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial — — — — — Total with a related allowance — — — — — Total by loan class: Commercial real estate Commercial mortgages 380 952 — 544 — Agriculture mortgages 1,325 1,325 — 1,359 83 Construction — — — — — Total commercial real estate 1,705 2,277 — 1,903 83 Commercial and industrial Commercial and industrial — 49 — 54 3 Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial — 49 — 54 3 Total 1,705 2,326 — 1,957 86
Schedule of allowance for credit losses	The following table details activity in the allowance for loan losses by portfolio segment for the year ended December 31, 2016: ALLOWANCE FOR CREDIT LOSSES AND RECORDED INVESTMENT IN LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Commercial Commercial Consumer and Real Estate Real Estate Industrial Consumer Unallocated Total $ $ $ $ $ $ Allowance for credit losses: Beginning balance 3,831 1,403 1,314 62 468 7,078 Charge-offs — — (23 ) (31 ) — (54 ) Recoveries — 10 193 10 — 213 Provision (credit) (36 ) 239 68 41 13 325 Ending balance 3,795 1,652 1,552 82 481 7,562 Ending balance: individually evaluated for impairment — — — — — — Ending balance: collectively evaluated for impairment 3,795 1,652 1,552 82 481 7,562 Loans receivable: Ending balance 275,067 213,771 77,192 4,537 570,567 Ending balance: individually evaluated for impairment 1,894 — 75 — 1,969 Ending balance: collectively evaluated for impairment 273,173 213,771 77,117 4,537 568,598 The following table details activity in the allowance for loan losses by portfolio segment for the year ended December 31, 2015: ALLOWANCE FOR CREDIT LOSSES AND RECORDED INVESTMENT IN LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Commercial Commercial Consumer and Real Estate Real Estate Industrial Consumer Unallocated Total $ $ $ $ $ $ Allowance for credit losses: Beginning balance 3,834 1,367 1,301 66 573 7,141 Charge-offs (272 ) (28 ) (44 ) (18 ) — (362 ) Recoveries 34 — 112 3 — 149 Provision (credit) 235 64 (55 ) 11 (105 ) 150 Ending balance 3,831 1,403 1,314 62 468 7,078 Ending balance: individually evaluated for impairment — — — — — — Ending balance: collectively evaluated for impairment 3,831 1,403 1,314 62 468 7,078 Loans receivable: Ending balance 260,900 181,200 73,577 3,892 519,569 Ending balance: individually evaluated for impairment 1,705 — — — 1,705 Ending balance: collectively evaluated for impairment 259,195 181,200 73,577 3,892 517,864 The following table details activity in the allowance for loan losses by portfolio segment for the year ended December 31, 2014: ALLOWANCE FOR CREDIT LOSSES AND RECORDED INVESTMENT IN LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Commercial Commercial Consumer and Real Estate Real Estate Industrial Consumer Unallocated Total $ $ $ $ $ $ Allowance for credit losses: Beginning balance 3,657 1,346 1,416 102 698 7,219 Charge-offs (204 ) — (12 ) (19 ) — (235 ) Recoveries — 5 201 1 — 207 Provision (credit) 381 16 (304 ) (18 ) (125 ) (50 ) Ending balance 3,834 1,367 1,301 66 573 7,141 Ending balance: individually evaluated for impairment 1 — — — — 1 Ending balance: collectively evaluated for impairment 3,833 1,367 1,301 66 573 7,140 Loans receivable: Ending balance 243,623 163,266 60,300 3,517 470,706 Ending balance: individually evaluated for impairment 2,285 — 73 — 2,358 Ending balance: collectively evaluated for impairment 241,338 163,266 60,227 3,517 468,348

PREMISES AND EQUIPMENT (Tables)

PREMISES AND EQUIPMENT (Tables)	12 Months Ended
	Dec. 31, 2016
Property, Plant and Equipment [Abstract]
Schedule of Premises and Equipment	The major classes of the Corporation’s premises and equipment and accumulated depreciation are as follows: December 31, 2016 2015 $ $ Land 3,787 3,687 Buildings and improvements 26,307 24,699 Furniture and equipment 12,970 12,423 Construction in process 180 163 Total 43,244 40,972 Less accumulated depreciation (20,676 ) (19,276 ) Premises and equipment 22,568 21,696

DEPOSITS (Tables)

DEPOSITS (Tables)	12 Months Ended
	Dec. 31, 2016
Deposits:
Schedule of Deposit Liabilities	Deposits by major classifications are summarized as follows: December 31, 2016 2015 $ $ Non-interest bearing demand 280,543 236,214 Interest-bearing demand 20,108 14,737 NOW accounts 85,540 77,180 Money market deposit accounts 93,943 82,508 Savings accounts 175,753 148,319 Time deposits under $250,000 151,988 165,939 Time deposits of $250,000 or more 9,616 15,165 Total deposits 817,491 740,062
Maturities of time deposits	At December 31, 2016, the scheduled maturities of time deposits are as follows: 2017 67,666 2018 29,429 2019 21,911 2020 19,957 2021 22,641 Total 161,604

SHORT TERM BORROWINGS (Tables)

SHORT TERM BORROWINGS (Tables)	12 Months Ended
	Dec. 31, 2016
Short-term Debt [Abstract]
Schedule of Short-term borrowings	A summary of short-term borrowings is as follows for the years ended December 31, 2016, 2015, and 2014: 2016 2015 2014 $ $ $ Total short-term borrowings outstanding at year end 8,329 8,736 — Average interest rate at year end 0.65 0.29 — Maximum outstanding at any month end 16,532 13,666 7,260 Average amount outstanding for the year 11,087 8,720 5,513 Weighted-average interest rate for the year 0.49% 0.34% 0.19%

OTHER BORROWED FUNDS (Tables)

OTHER BORROWED FUNDS (Tables)	12 Months Ended
	Dec. 31, 2016
Long-term Debt, Unclassified [Abstract]
Schedule of Federal Home Loan Bank Advances by Maturity	Maturities of other borrowings at December 31, 2016, and 2015, are summarized as follows: December 31, 2016 2015 Weighted- Weighted- Average Average Amount Rate Amount Rate $ % $ % FHLB fixed rate loans 2016 — — 15,500 1.93 2017 15,000 1.26 15,000 1.26 2018 11,650 1.22 11,650 1.22 2019 9,267 1.58 6,767 1.68 2020 10,677 1.59 10,677 1.59 2021 9,443 1.59 — — 2022 5,220 1.26 Total other borrowings 61,257 1.41 59,594 1.53
Schedule of Repurchase Agreements	A summary of repurchase agreements for the years ended December 31, 2016, 2015, and 2014 is as follows: REPURCHASE AGREEMENTS (DOLLAR IN THOUSANDS) 2016 2015 2014 $ $ $ Repurchase agreements outstanding at year end — — 10,000 Average interest rate at year end — — 4.37% Maximum outstanding at any month end — 10,000 15,000 Average amount outstanding for the year — 5,863 12,904 Weighted-average interest rate for the year — 4.74% 4.62%

INCOME TAXES (Tables)

INCOME TAXES (Tables)	12 Months Ended
	Dec. 31, 2016
Income Tax Disclosure [Abstract]
Schedule of Income Tax Reconciliation	Federal income tax expense as reported differs from the amount computed by applying the statutory Federal income tax rate to income before taxes. A reconciliation of the differences by amount and percent is as follows: FEDERAL INCOME TAX SUMMARY (DOLLARS IN THOUSANDS) Year Ended December 31, 2016 2015 2014 $ % $ % $ % Income tax at statutory rate 3,028 34.0 2,811 34.0 2,937 34.0 Tax-exempt interest income (1,478 ) (16.6 ) (1,270 ) (15.4 ) (1,266 ) (14.7 ) Non-deductible interest expense 52 0.6 39 0.5 49 0.6 Bank-owned life insurance (267 ) (3.0 ) (247 ) (3.0 ) (218 ) (2.5 ) Other 18 0.2 25 0.3 44 0.5 Income tax expense 1,353 15.2 1,358 16.4 1,546 17.9
Schedule of Components of Income Tax Expense	With few exceptions, the Corporation is no longer subject to U.S. federal, state, or local income tax examinations by tax authorities for years before 2013. Significant components of income tax expense are as follows: (DOLLARS IN THOUSANDS) Year Ended December 31, 2016 2015 2014 $ $ $ Current tax expense 1,734 1,095 1,032 Deferred tax expense (benefit) (381 ) 275 531 Valuation allowance adjustment — (12 ) (17 ) Income tax expense 1,353 1,358 1,546
Schedule of Deferred Tax Assets and Liabilities	Components of the Corporation's net deferred tax position are as follows: (DOLLARS IN THOUSANDS) December 31, 2016 2015 2014 $ $ $ Deferred tax assets Allowance for loan losses 2,571 2,406 2,428 Net unrealized holding losses on securities available for sale 2,516 130 — Deferred compensation reserve 95 148 199 Capital loss carryforward — 13 25 Tax credit carryforward 1,043 1,085 996 Allowance for off-balance sheet extensions of credit 117 155 105 Interest on non-accrual loans 166 155 170 Other 7 7 6 Total deferred tax assets 6,515 4,099 3,929 Valuation allowance — (13 ) (25 ) Net deferred taxes 6,515 4,086 3,904 Deferred tax liabilities Premises and equipment (1,497 ) (1,852 ) (1,536 ) Net unrealized holding gains on securities available for sale — — (516 ) Discount on investment securities — (1 ) (1 ) Other (41 ) (24 ) (13 ) Total deferred tax liabilities (1,538 ) (1,877 ) (2,066 ) Net deferred tax assets 4,977 2,209 1,838

REGULATORY MATTERS AND RESTRI39

REGULATORY MATTERS AND RESTRICTIONS (Tables)	12 Months Ended
	Dec. 31, 2016
Regulatory Capital Requirements [Abstract]
Schedule of Regulatory Capital Requirements	The following chart details the Corporation’s and the Bank’s capital levels as of December 31, 2016 and December 31, 2015, compared to regulatory levels. CAPITAL LEVELS To Be Well (DOLLARS IN THOUSANDS) Capitalized Under For Capital Prompt Corrective Actual Adequacy Purposes Action Provision $ % $ % $ % As of December 31, 2016 Total Capital to Risk-Weighted Assets Consolidated 107,732 15.2 56,635 8.0 70,794 10.0 Bank 106,084 15.0 56,634 8.0 70,793 10.0 Tier I Capital to Risk-Weighted Assets Consolidated 99,824 14.1 42,476 6.0 56,635 8.0 Bank 98,176 13.9 42,476 6.0 56,634 8.0 Common Equity Tier I Capital to Risk-Weighted Assets Consolidated 99,824 14.1 31,857 4.5 46,016 6.5 Bank 98,176 13.9 31,857 4.5 46,015 6.5 Tier I Capital to Average Assets Consolidated 99,824 10.2 39,092 4.0 48,865 5.0 Bank 98,176 10.1 39,059 4.0 48,824 5.0 As of December 31, 2015 Total Capital to Risk-Weighted Assets Consolidated 102,891 15.9 51,638 8.0 64,548 10.0 Bank 101,791 15.8 51,596 8.0 64,495 10.0 Tier I Capital to Risk-Weighted Assets Consolidated 95,353 14.8 38,729 6.0 51,638 8.0 Bank 94,258 14.6 38,697 6.0 51,596 8.0 Common Equity Tier I Capital to Risk-Weighted Assets Consolidated 95,353 14.8 29,046 4.5 41,956 6.5 Bank 94,258 14.6 29,023 4.5 41,921 6.5 Tier I Capital to Average Assets Consolidated 95,353 10.8 35,358 4.0 44,198 5.0 Bank 94,258 10.7 35,342 4.0 44,178 5.0

TRANSACTIONS WITH DIRECTORS A40

TRANSACTIONS WITH DIRECTORS AND OFFICERS (Tables)	12 Months Ended
	Dec. 31, 2016
Related Party Transactions [Abstract]
Schedule of Related Party Loans	The following table presents activity in the amounts due from directors, executive officers, immediate family, and affiliated companies. These transactions are made on the same terms and conditions, including interest rates and collateral requirements as those prevailing at the time for comparable transactions with others. An analysis of the activity with respect to such aggregate loans to related parties is shown below. LOANS TO INSIDERS (DOLLARS IN THOUSANDS) Actual $ Balance, January 1, 2015 4,211 Advances 2,165 Repayments (2,113 ) Other Changes (15 ) Balance, December 31, 2015 4,248 Balance, January 1, 2016 4,248 Advances 2,427 Repayments (2,222 ) Balance, December 31, 2016 4,453

FAIR VALUE MEASUREMENTS (Tables

FAIR VALUE MEASUREMENTS (Tables)	12 Months Ended
	Dec. 31, 2016
Fair Value Disclosures [Abstract]
Schedule of assets measured on a recurring basis	The following table presents the assets reported on the Consolidated Balance Sheets at their fair value as of December 31, 2016, by level within the fair value hierarchy. Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement. ASSETS REPORTED AT FAIR VALUE (DOLLARS IN THOUSANDS) December 31, 2016 Level I Level II Level III Total $ $ $ $ U.S. government agencies — 32,261 — 32,261 U.S. agency mortgage-backed securities — 55,869 — 55,869 U. S. agency collateralized mortgage obligations — 37,936 — 37,936 Corporate bonds — 52,091 — 52,091 Obligations of states and political subdivisions — 124,430 — 124,430 Marketable equity securities 5,524 — — 5,524 Total securities 5,524 302,587 — 308,111 The following table presents the assets reported on the Consolidated Balance Sheets at their fair value as of December 31, 2015, by level within the fair value hierarchy. Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement. ASSETS REPORTED AT FAIR VALUE (DOLLARS IN THOUSANDS) December 31, 2015 Level I Level II Level III Total $ $ $ $ U.S. government agencies — 29,691 — 29,691 U.S. agency mortgage-backed securities — 41,980 — 41,980 U. S. agency collateralized mortgage obligations — 47,331 — 47,331 Corporate bonds — 63,305 — 63,305 Obligations of states and political subdivisions — 101,583 — 101,583 Marketable equity securities 5,533 — — 5,533 Total securities 5,533 283,890 — 289,423
Schedule of assets measured on a nonrecurring basis	The following table presents the assets measured on a nonrecurring basis on the Consolidated Balance Sheets at their fair value as of December 31, 2016, and December 31, 2015, by level within the fair value hierarchy. ASSETS MEASURED ON A NONRECURRING BASIS (DOLLARS IN THOUSANDS) December 31, 2016 Level I Level II Level III Total $ $ $ $ Assets: Impaired Loans — — 1,969 1,969 OREO — — — — Total — — 1,969 1,969 December 31, 2015 Level I Level II Level III Total $ $ $ $ Assets: Impaired Loans — — 1,705 1,705 OREO — — — — Total — — 1,705 1,705
Schedule of Level III inputs	The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis for which the Corporation has utilized level III inputs to determine fair value: QUANTITATIVE INFORMATION ABOUT LEVEL III FAIR VALUE MEASUREMENTS (DOLLARS IN THOUSANDS) December 31, 2016 Fair Value Valuation Unobservable Range Estimate Techniques Input (Weighted Avg) Impaired loans 1,969 Appraisal of collateral (1) Appraisal adjustments (2) 0% to -20% (-20%) Liquidation expenses (2) 0% to -10% (-10%) December 31, 2015 Fair Value Valuation Unobservable Range Estimate Techniques Input (Weighted Avg) Impaired loans 1,705 Appraisal of collateral (1) Appraisal adjustments (2) 0% to -20% (-20%) Liquidation expenses (2) 0% to -10% (-10%) (1) Fair value is generally determined through independent appraisals of the underlying collateral, which generally includes various level III inputs which are not identifiable. (2) Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal.

DISCLOSURES ABOUT FAIR VALUE 42

DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)	12 Months Ended
	Dec. 31, 2016
Fair Value, Assets, Liabilities and Stockholders' Equity Measured on Recurring Basis [Abstract]
Schedule of carrying amount and fair value of financial instruments	The carrying amounts and estimated fair values of the Corporation's financial instruments at December 31, 2016, are summarized as follows: FAIR VALUE OF FINANCIAL INSTRUMENTS (DOLLARS IN THOUSANDS) December 31, 2016 Quoted Prices in Active Markets Significant Other Significant for Identical Observable Unobservable Carrying Assets Inputs Inputs Amount Fair Value (Level I) (Level II) (Level III) $ $ $ $ $ Financial Assets: Cash and cash equivalents 45,632 45,632 45,632 — — Securities available for sale 308,111 308,111 5,524 302,587 — Regulatory stock 5,372 5,372 5,372 — — Loans held for sale 2,552 2,552 2,552 — — Loans, net of allowance 564,005 563,418 — — 563,418 Accrued interest receivable 3,750 3,750 3,750 — — Bank owned life insurance 24,687 24,687 24,687 — — Financial Liabilities: Demand deposits 280,543 280,543 280,543 — — Interest-bearing demand deposits 20,108 20,108 20,108 — — NOW accounts 85,540 85,540 85,540 — — Money market deposit accounts 93,943 93,943 93,943 — — Savings accounts 175,753 175,753 175,753 — — Time deposits 161,604 163,464 — — 163,464 Total deposits 817,491 819,351 655,887 — 163,464 Short-term borrowings 8,329 8,329 8,329 — — Long-term debt 61,257 61,372 — — 61,372 Accrued interest payable 384 384 384 — — The carrying amounts and estimated fair values of the Corporation’s financial instruments at December 31, 2015, are summarized as follows: FAIR VALUE OF FINANCIAL INSTRUMENTS (DOLLARS IN THOUSANDS) December 31, 2015 Quoted Prices in Active Markets Significant Other Significant for Identical Observable Unobservable Carrying Assets Inputs Inputs Amount Fair Value (Level I) (Level II) (Level III) $ $ $ $ $ Financial Assets: Cash and cash equivalents 44,227 44,227 44,227 — — Securities available for sale 289,423 289,423 5,533 283,890 — Regulatory stock 4,314 4,314 4,314 — — Loans held for sale 1,126 1,126 1,126 — — Loans, net of allowance 513,205 512,481 — — 512,481 Accrued interest receivable 3,600 3,600 3,600 — — Bank owned life insurance 23,869 23,869 23,869 — — Financial Liabilities: Demand deposits 236,214 236,214 236,214 — — Interest-bearing demand deposits 14,737 14,737 14,737 — — NOW accounts 77,180 77,180 77,180 — — Money market deposit accounts 82,508 82,508 82,508 — — Savings accounts 148,319 148,319 148,319 — — Time deposits 181,104 182,887 — — 182,887 Total deposits 740,062 741,845 558,958 — 182,887 Short-term borrowings 8,736 8,736 8,736 Long-term debt 59,594 59,805 — — 59,805 Accrued interest payable 456 456 456 — —

ACCUMULATED OTHER COMPREHENSI43

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Tables)	12 Months Ended
	Dec. 31, 2016
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Schedule of accumulated other comprehensive income	The activity in accumulated other comprehensive loss for the years ended December 31, 2016 and 2015 is as follows: ACCUMULATED OTHER COMPREHENSIVE LOSS (1) (2) (DOLLARS IN THOUSANDS) Unrealized Gains (Losses) on Securities Available-for-Sale $ Balance at January 1, 2016 (252 ) Other comprehensive loss before reclassifications (3,069 ) Amount reclassified from accumulated other comprehensive loss (1,564 ) Period change (4,633 ) Balance at December 31, 2016 (4,885 ) Balance at January 1, 2015 1,002 Other comprehensive income before reclassifications 621 Amount reclassified from accumulated other comprehensive income (1,875 ) Period change (1,254 ) Balance at December 31, 2015 (252 ) (1) All amounts are net of tax. Related income tax expense or benefit is calculated using a Federal income tax rate of 34%. (2) Amounts in parentheses indicate debits. DETAILS ABOUT ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) COMPONENTS (1) (DOLLARS IN THOUSANDS) Amount Reclassified from Accumulated Other Comprehensive Income (Loss) For the Year Ended December 31, Affected Line Item 2016 2015 in the Consolidated $ $ Statements of Income Securities available-for-sale: Net securities gains reclassified into earnings 2,370 2,840 Gains on securities transactions, net Related income tax expense (806 ) (965 ) Provision for federal income taxes Net effect on accumulated other comprehensive loss for the period 1,564 1,875 Total reclassifications for the period 1,564 1,875 (1) Amounts in parentheses indicate debits.

CONDENSED PARENT ONLY DATA (Tab

CONDENSED PARENT ONLY DATA (Tables)	12 Months Ended
	Dec. 31, 2016
Condensed Financial Information of Parent Company Only Disclosure [Abstract]
Condensed Balance Sheet	Condensed Balance Sheets (Parent Company Only) (DOLLARS IN THOUSANDS) December 31, 2016 2015 $ $ Assets Cash 1,356 509 Securities available for sale (at fair value) 274 533 Equity in bank subsidiary 93,255 93,994 Other assets 54 66 Total assets 94,939 95,102 Stockholders' Equity Common stock 574 574 Capital surplus 4,403 4,395 Retained earnings 95,475 91,029 Accumulated other comprehensive loss, net of tax (4,885 ) (252 ) Treasury stock (628 ) (644 ) Total stockholders' equity 94,939 95,102
Condensed Statements of Comprehensive Income	Condensed Statements of Comprehensive Income (DOLLARS IN THOUSANDS) Year Ended December 31, 2016 2015 2014 $ $ $ Income Dividend income - investment securities 29 16 9 Gains on securities transactions 171 25 49 Dividend income 3,606 3,581 3,556 Undistributed earnings of bank subsidiary 3,918 3,462 3,621 Total income 7,724 7,084 7,235 Expense Shareholder expenses 125 118 129 Other expenses 46 56 14 Total expense 171 174 143 Net Income 7,553 6,910 7,092 Comprehensive Income 2,920 5,656 12,034
Condensed Statements of Cash Flows	Condensed Statements of Cash Flows (DOLLARS IN THOUSANDS) Year Ended December 31, 2016 2015 2014 Cash Flows from Operating Activities: $ $ $ Net Income 7,553 6,910 7,092 Equity in undistributed earnings of subsidiaries (3,918 ) (3,462 ) (3,621 ) Gains on securities transactions, net (171 ) (25 ) (49 ) Net change in other assets 12 5 (3 ) Net cash provided by operating activities 3,476 3,428 3,419 Cash Flows from Investing Activities: Proceeds from sales of securities available for sale 812 167 338 Purchases of securities available for sale (358 ) (467 ) (327 ) Net cash provided by (used for) investing activities 454 (300 ) 11 Cash Flows from Financing Activities: Proceeds from issuance of treasury stock 489 512 499 Payment to repurchase common stock (465 ) (752 ) (485 ) Dividends paid (3,107 ) (3,081 ) (3,057 ) Net cash used for financing activities (3,083 ) (3,321 ) (3,043 ) Cash and Cash Equivalents: Net change in cash and cash equivalents 847 (193 ) 387 Cash and cash equivalents at beginning of period 509 702 315 Cash and cash equivalents at end of period 1,356 509 702

SUMMARY OF QUARTERLY FINANCIA45

SUMMARY OF QUARTERLY FINANCIAL DATA (Tables)	12 Months Ended
	Dec. 31, 2016
Quarterly Financial Data [Abstract]
Schedule of Quarterly Results of Operations	The unaudited quarterly results of operations for the years ended 2016, 2015, and 2014 are as follows: (DOLLARS IN THOUSANDS, EXCEPT PER SHARE DATA) 2016 1st Qtr 2nd Qtr 3rd Qtr 4th Qtr $ $ $ $ Interest income 6,886 6,294 7,393 7,768 Interest expense 811 757 751 735 Net interest income 6,075 5,537 6,642 7,033 Less provision (credit) for loan losses (50 ) 50 200 125 Net interest income after provision (credit) for loan losses 6,125 5,487 6,442 6,908 Other income 2,651 3,087 2,828 2,578 Operating expenses: Salaries and employee benefits 3,971 4,040 4,219 4,539 Occupancy and equipment expenses 777 787 831 879 Other operating expenses 1,734 1,885 1,698 1,840 Total operating expenses 6,482 6,712 6,748 7,258 Income before income taxes 2,294 1,862 2,522 2,228 Provision for Federal income taxes 382 218 445 308 Net income 1,912 1,644 2,077 1,920 FINANCIAL RATIOS Per share data: Net income 0.67 0.58 0.73 0.67 Cash dividends paid 0.27 0.27 0.27 0.28 2015 1st Qtr 2nd Qtr 3rd Qtr 4th Qtr $ $ $ $ Interest income 6,872 6,718 6,761 6,491 Interest expense 1,014 951 928 851 Net interest income 5,858 5,767 5,833 5,640 Less provision (credit) for loan losses 200 100 (150 ) — Net interest income after provision (credit) for loan losses 5,658 5,667 5,983 5,640 Other income 2,201 2,394 2,342 3,118 Operating expenses: Salaries and employee benefits 3,702 3,674 3,679 3,741 Occupancy and equipment expenses 822 822 791 783 Other operating expenses 1,626 1,691 1,620 1,784 Total operating expenses 6,150 6,187 6,090 6,308 Income before income taxes 1,709 1,874 2,235 2,450 Provision for Federal income taxes 243 278 382 455 Net income 1,466 1,596 1,853 1,995 FINANCIAL RATIOS Per share data: Net income 0.51 0.56 0.65 0.70 Cash dividends paid 0.27 0.27 0.27 0.27 2014 1st Qtr 2nd Qtr 3rd Qtr 4th Qtr $ $ $ $ Interest income 6,872 6,825 6,696 6,744 Interest expense 1,217 1,217 1,155 1,087 Net interest income 5,655 5,608 5,541 5,657 Less provision (credit) for loan losses (200 ) (100 ) — 250 Net interest income after credit for loan losses 5,855 5,708 5,541 5,407 Other income 2,180 2,168 2,275 2,925 Operating expenses: Salaries and employee benefits 3,430 3,481 3,517 3,515 Occupancy and equipment expenses 776 727 763 794 Other operating expenses 1,592 1,581 1,487 1,758 Total operating expenses 5,798 5,789 5,767 6,067 Income before income taxes 2,237 2,087 2,049 2,265 Provision for Federal income taxes 399 347 337 463 Net income 1,838 1,740 1,712 1,802 FINANCIAL RATIOS Per share data: Net income 0.64 0.61 0.60 0.63 Cash dividends paid 0.26 0.27 0.27 0.27

SUMMARY OF SIGNIFICANT ACCOUN46

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Allowances for off-balance sheet extensions of credit	$ 345,000	$ 455,000
Other Real Estate Owned (OREO)	0	0
Mortgage Servicing Rights (MSRs)	410,000	240,000
Bank owned life insurance	$ 24,687,000	23,869,000
Employer matching contribution, maximum percentage of employee pay	7.50%
Employer matching contribution, matching percentage	2.00%
Advertising costs	$ 614,000	$ 552,000	$ 474,000
Percentage increase in assets and liabilities	1.00%
401(K) Plan [Member]
Employee contribution percentage	5.00%
Employer matching contribution, maximum percentage of employee pay	2.50%
Employer matching contribution, matching percentage	50.00%
Working hour in a calender year	1,000
401(K) Plan [Member] | Elective contribution [Member]
Employee contribution percentage	2.00%
Lower Range [Member] | 401(K) Plan [Member] | Non-Elective contribution [Member]
Employee contribution percentage	2.00%
Upper Range [Member] | 401(K) Plan [Member] | Non-Elective contribution [Member]
Employee contribution percentage	3.00%
Buildings and improvements [Member] | Lower Range [Member]
Useful life	15 years
Buildings and improvements [Member] | Upper Range [Member]
Useful life	39 years
Furniture and Equipment [Member] | Lower Range [Member]
Useful life	4 years
Furniture and Equipment [Member] | Upper Range [Member]
Useful life	10 years

SECURITIES AVAILABLE FOR SALE47

SECURITIES AVAILABLE FOR SALE (Narrative) (Details)	12 Months Ended
	Dec. 31, 2016USD ($)item	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)item
Schedule of Available-for-sale Securities [Line Items]
Available for sale debt securities pledged or restricted for public funds, par value	$ 63,726,000	$ 60,295,000
Available for sale debt securities pledged or restricted for public funds, fair value	$ 65,770,000	65,137,000
Number of securities considered temporarily impaired | item	2
Net impairment losses on investment securities			$ (22,000)
Private Collateralized Mortgage Obligations [Member]
Schedule of Available-for-sale Securities [Line Items]
Number of securities considered temporarily impaired | item			2
Net impairment losses on investment securities			$ 22,000
Debt Security Portfolio [Member]
Schedule of Available-for-sale Securities [Line Items]
Number of securities considered temporarily impaired | item	204

SECURITIES AVAILABLE FOR SALE48

SECURITIES AVAILABLE FOR SALE (Schedule of Amortized Cost and Fair Value of Securities) (Details) - USD ($)	Dec. 31, 2016	Dec. 31, 2015
Securities Available For Sale
Amortized Cost	$ 315,512,000	$ 289,805,000
Gross Unrealized Gains	472,000	1,999,000
Gross Unrealized Losses	(7,873,000)	(2,381,000)
Fair Value	308,111,000	289,423,000
U.S. Government Agencies [Member]
Securities Available For Sale
Amortized Cost	33,124,000	29,829,000
Gross Unrealized Gains		3,000
Gross Unrealized Losses	(863,000)	(141,000)
Fair Value	32,261,000	29,691,000
U.S. Agency Mortgage-Backed Securities [Member]
Securities Available For Sale
Amortized Cost	56,826,000	42,288,000
Gross Unrealized Gains	22,000	39,000
Gross Unrealized Losses	(979,000)	(347,000)
Fair Value	55,869,000	41,980,000
U.S. Agency Collateralized Mortgage Obligations [Member]
Securities Available For Sale
Amortized Cost	38,737,000	48,140,000
Gross Unrealized Gains	41,000	125,000
Gross Unrealized Losses	(842,000)	(934,000)
Fair Value	37,936,000	47,331,000
Corporate Bonds [Member]
Securities Available For Sale
Amortized Cost	52,928,000	63,825,000
Gross Unrealized Gains	8,000	29,000
Gross Unrealized Losses	(845,000)	(549,000)
Fair Value	52,091,000	63,305,000
Obligations of States and Political Subdivisions [Member]
Securities Available For Sale
Amortized Cost	128,428,000	100,208,000
Gross Unrealized Gains	346,000	1,780,000
Gross Unrealized Losses	(4,344,000)	(405,000)
Fair Value	124,430,000	101,583,000
Total Debt Securities [Member]
Securities Available For Sale
Amortized Cost	310,043,000	284,290,000
Gross Unrealized Gains	417,000	1,976,000
Gross Unrealized Losses	(7,873,000)	(2,376,000)
Fair Value	302,587,000	283,890,000
Marketable equity securities [Member]
Securities Available For Sale
Amortized Cost	5,469,000	5,515,000
Gross Unrealized Gains	55,000	23,000
Gross Unrealized Losses		(5,000)
Fair Value	$ 5,524,000	$ 5,533,000

SECURITIES AVAILABLE FOR SALE49

SECURITIES AVAILABLE FOR SALE (Schedule of Contractual Maturity of Debt Securities) (Details) $ in Thousands	Dec. 31, 2016USD ($)
Contractual maturity of debt securities, Amortized Cost
Due in one year or less	$ 16,818
Due after one year through five years	88,609
Due after five years through ten years	83,077
Due after ten years	121,539
Total debt securities	310,043
Contractual maturity of debt securities, Fair Value
Due in one year or less	16,571
Due after one year through five years	87,400
Due after five years through ten years	81,148
Due after ten years	117,468
Securities available for sale	$ 302,587

SECURITIES AVAILABLE FOR SALE50

SECURITIES AVAILABLE FOR SALE (Schedule of Proceeds and Gains and Losses on Securities) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Proceeds from sales of securities available for sale
Proceeds from sales	$ 163,085	$ 154,384	$ 155,363
Gross realized gains	2,457	2,934	3,815
Gross realized losses	$ 87	$ 94	$ 684

SECURITIES AVAILABLE FOR SALE51

SECURITIES AVAILABLE FOR SALE (Schedule of Securities in an Unrealized Loss Position) (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Fair Value
Less than 12 months	$ 259,449	$ 148,729
More than 12 months	14,032	20,881
Total	273,481	169,610
Gross Unrealized Losses
Less than 12 months	(7,454)	(1,957)
More than 12 months	(419)	(424)
Total	(7,873)	(2,381)
U.S. Government Agencies [Member]
Fair Value
Less than 12 months	32,261	24,968
More than 12 months		1,965
Total	32,261	26,933
Gross Unrealized Losses
Less than 12 months	(863)	(106)
More than 12 months		(35)
Total	(863)	(141)
U.S. Agency Mortgage-Backed Securities [Member]
Fair Value
Less than 12 months	47,418	24,613
More than 12 months	3,989	4,827
Total	51,407	29,440
Gross Unrealized Losses
Less than 12 months	(856)	(235)
More than 12 months	(123)	(112)
Total	(979)	(347)
U.S. Agency Collateralized Mortgage Obligations [Member]
Fair Value
Less than 12 months	33,206	26,563
More than 12 months		4,652
Total	33,206	31,215
Gross Unrealized Losses
Less than 12 months	(842)	(827)
More than 12 months		(107)
Total	(842)	(934)
Corporate Bonds [Member]
Fair Value
Less than 12 months	45,335	50,530
More than 12 months	2,002	2,002
Total	47,337	52,532
Gross Unrealized Losses
Less than 12 months	(830)	(532)
More than 12 months	(15)	(17)
Total	(845)	(549)
Obligations of States and Political Subdivisions [Member]
Fair Value
Less than 12 months	101,229	21,913
More than 12 months	8,041	7,435
Total	109,270	29,348
Gross Unrealized Losses
Less than 12 months	(4,063)	(252)
More than 12 months	(281)	(153)
Total	(4,344)	(405)
Total Debt Securities [Member]
Fair Value
Less than 12 months	259,449	148,587
More than 12 months	14,032	20,881
Total	273,481	169,468
Gross Unrealized Losses
Less than 12 months	(7,454)	(1,952)
More than 12 months	(419)	(424)
Total	(7,873)	(2,376)
Marketable equity securities [Member]
Fair Value
Less than 12 months		142
More than 12 months
Total		142
Gross Unrealized Losses
Less than 12 months		(5)
More than 12 months
Total		$ (5)

SECURITIES AVAILABLE FOR SALE52

SECURITIES AVAILABLE FOR SALE (Schedule of Credit Losses Recognized in Earnings on Debt Securities) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Credit losses recognized in earnings for debt securities held and not intended to be sold
Beginning balance			$ 1,148
Credit losses on debt securities for which other-than-temporary impairment has not been previously recognized
Additional credit losses on debt securities for which other-than-temporary impairment was previously recognized			22
Sale of debt securities with previously recognized impairment			(1,170)
Ending balance

LOANS AND ALLOWANCE FOR LOAN 53

LOANS AND ALLOWANCE FOR LOAN LOSSES (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Foregone interest income for impaired loans	$ 23,000	$ 23,000	$ 39,000
Increase/Decrease in ending balance of allowance for loan losses	$ 484,000		63,000
Increase/Decrease in ending balance of allowance for loan losses	6.80%	0.90%
Allowance as percentage of total loans		1.36%
Charge-offs	$ (54,000)	$ (362,000)	(235,000)
Recoveries	213,000	149,000	207,000
Provision	$ 325,000	150,000	$ (50,000)
Percentage increase in unsecured consumer loan balances	16.60%
Loans Serviced for Others [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Real estate loans serviced for others	$ 66,767,000	38,024,000
Commercial and Industrial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of loans to compensate by provision expense	1.00%
Charge-offs		44,000
Recoveries		112,000
Provision		$ 55,000
Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Increase/Decrease in ending balance of allowance for loan losses	$ 14,200,000
Increase/Decrease in ending balance of allowance for loan losses	5.40%
Residential mortgage portfolio [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of loans to compensate by provision expense	7.00%
Home Equity Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of loans to compensate by provision expense	32.00%
Consumer loan segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Provision expense	$ 41,000
Charge-offs	$ 31,000

LOANS AND ALLOWANCE FOR LOAN 54

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Loan Portfolio by Category) (Details) - USD ($) $ in Thousands	Dec. 31, 2016		Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses	$ 570,567		$ 519,569	$ 470,706
Deferred loan costs, net	1,000		714
Allowance for loan losses	7,562		7,078	7,141	$ 7,219
Net loans	564,005		513,205
Home Equity Loan [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses	10,488		10,288
Consumer Home Equity Lines of Credit [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses	53,037		37,374
Commercial Real Estate [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses	275,067		260,900	243,623
Allowance for loan losses	3,795		3,831	3,834	3,657
Commercial Real Estate [Member] | Commercial and Industrial [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses	86,434		87,613
Commercial Real Estate [Member] | Agriculture mortgages loans [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses	163,753		158,321
Commercial Real Estate [Member] | Real Estate Loan [Member] | Commercial and Industrial [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses	86,434		87,613
Commercial Real Estate [Member] | Real Estate Loan [Member] | Agriculture mortgages loans [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses			158,321
Commercial Real Estate [Member] | Construction Loans [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses	24,880		14,966
Residential Portfolio Segment [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses	213,771	[1]	181,200
Allowance for loan losses	1,403		1,403
Residential Portfolio Segment [Member] | Real Estate Loan [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses	150,253	[1]	133,538
Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses	10,391	[1]	10,288
Residential Portfolio Segment [Member] | Consumer Home Equity Lines of Credit [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses	53,127	[1]	37,374
Commercial mortgages [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses	77,192		73,577
Allowance for loan losses	1,552		1,314
Commercial mortgages [Member] | Commercial and Industrial [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses	42,471		36,189
Commercial mortgages [Member] | Agriculture mortgages loans [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses	21,630		18,305
Commercial mortgages [Member] | Government Sector [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses	13,091		19,083
Consumer [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses	4,537		3,892	3,517
Allowance for loan losses	$ 82		$ 62	$ 66	$ 102
[1]	Real estate loans serviced for others, which are not included in the Consolidated Balance Sheets, totaled $66,767,000 and $38,024,000 as of December 31, 2016, and 2015, respectively.

LOANS AND ALLOWANCE FOR LOAN 55

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Commercial and Consumer Credit Exposure) (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Total	$ 352,259	$ 334,477
Pass [Member]
Total	328,290	322,553
Special Mention [Member]
Total	12,828	1,259
Substandard [Member]
Total	11,141	10,665
Doubtful [Member]
Total
Loss [Member]
Total
Construction Loans [Member]
Total	24,880	14,966
Construction Loans [Member] | Pass [Member]
Total	23,880	13,822
Construction Loans [Member] | Special Mention [Member]
Total
Construction Loans [Member] | Substandard [Member]
Total	1,000	1,144
Construction Loans [Member] | Doubtful [Member]
Total
Construction Loans [Member] | Loss [Member]
Total
Agriculture mortgages loans [Member]
Total	163,753	158,321
Agriculture mortgages loans [Member] | Pass [Member]
Total	155,820	154,507
Agriculture mortgages loans [Member] | Special Mention [Member]
Total	5,360	623
Agriculture mortgages loans [Member] | Substandard [Member]
Total	2,573	3,191
Agriculture mortgages loans [Member] | Doubtful [Member]
Total
Agriculture mortgages loans [Member] | Loss [Member]
Total
Commercial and Industrial [Member]
Total	42,471	36,189
Commercial and Industrial [Member] | Pass [Member]
Total	36,887	35,416
Commercial and Industrial [Member] | Special Mention [Member]
Total	1,955
Commercial and Industrial [Member] | Substandard [Member]
Total	3,629	773
Commercial and Industrial [Member] | Doubtful [Member]
Total
Commercial and Industrial [Member] | Loss [Member]
Total
Tax-free Loans [Member]
Total	13,091	19,083
Tax-free Loans [Member] | Pass [Member]
Total	13,091	19,083
Tax-free Loans [Member] | Special Mention [Member]
Total
Tax-free Loans [Member] | Substandard [Member]
Total
Tax-free Loans [Member] | Doubtful [Member]
Total
Tax-free Loans [Member] | Loss [Member]
Total
Agriculture loans [Member]
Total	21,630	18,305
Agriculture loans [Member] | Pass [Member]
Total	20,245	17,860
Agriculture loans [Member] | Special Mention [Member]
Total	653	125
Agriculture loans [Member] | Substandard [Member]
Total	732	320
Agriculture loans [Member] | Doubtful [Member]
Total
Agriculture loans [Member] | Loss [Member]
Total
Commercial mortgages [Member]
Total	86,434	87,613
Commercial mortgages [Member] | Pass [Member]
Total	78,367	81,865
Commercial mortgages [Member] | Special Mention [Member]
Total	4,860	511
Commercial mortgages [Member] | Substandard [Member]
Total	3,207	5,237
Commercial mortgages [Member] | Doubtful [Member]
Total
Commercial mortgages [Member] | Loss [Member]
Total

LOANS AND ALLOWANCE FOR LOAN 56

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Credit Risk Profile by Payment Performance) (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Gross loans prior to deferred fees	$ 570,567	$ 519,569	$ 470,706
Consumer Borrower [Member]
Gross loans prior to deferred fees	218,308	185,092
Home Equity Loans [Member]
Gross loans prior to deferred fees	10,488	10,288
Consumer Home Equity Lines of Credit [Member]
Gross loans prior to deferred fees	53,037	37,374
1-4 Family Residential Mortgages [Member]
Gross loans prior to deferred fees	150,253	133,538
Consumer [Member]
Gross loans prior to deferred fees	4,537	3,892	$ 3,517
Performing [Member]
Gross loans prior to deferred fees	217,924	184,714
Performing [Member] | Home Equity Loans [Member]
Gross loans prior to deferred fees	10,388	10,278
Performing [Member] | Consumer Home Equity Lines of Credit [Member]
Gross loans prior to deferred fees	53,127	37,327
Performing [Member] | 1-4 Family Residential Mortgages [Member]
Gross loans prior to deferred fees	149,873	133,220
Performing [Member] | Consumer [Member]
Gross loans prior to deferred fees	4,536	3,889
Nonperforming [Member]
Gross loans prior to deferred fees	384	378
Nonperforming [Member] | Home Equity Loans [Member]
Gross loans prior to deferred fees	3	10
Nonperforming [Member] | Consumer Home Equity Lines of Credit [Member]
Gross loans prior to deferred fees		47
Nonperforming [Member] | 1-4 Family Residential Mortgages [Member]
Gross loans prior to deferred fees	380	318
Nonperforming [Member] | Consumer [Member]
Gross loans prior to deferred fees	$ 1	$ 3

LOANS AND ALLOWANCE FOR LOAN 57

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Aging of Loans Receivable) (Details) - USD ($) $ in Thousands	Dec. 31, 2016		Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 3,151		$ 2,550
Current	567,416		517,019
Total Loans Receivable	570,567		519,569	$ 470,706
Loans Receivable - Greater than 90 Days and Accruing	384		378
Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,190		1,363
Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,085		809
Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	876		378
Home Equity Loan [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans Receivable	10,488		10,288
Consumer Home Equity Lines of Credit [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans Receivable	53,037		37,374
Commercial Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans Receivable	275,067		260,900	243,623
Commercial Real Estate [Member] | Construction Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Current	24,880		14,966
Total Loans Receivable	24,880		14,966
Loans Receivable - Greater than 90 Days and Accruing
Commercial Real Estate [Member] | Construction Loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Commercial Real Estate [Member] | Construction Loans [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Commercial Real Estate [Member] | Construction Loans [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Residential Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans Receivable	213,771	[1]	181,200
Residential Portfolio Segment [Member] | Real Estate Loan [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,607		1,705
Current	148,639		131,833
Total Loans Receivable	150,253	[1]	133,538
Loans Receivable - Greater than 90 Days and Accruing	380		318
Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	565		1,264
Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	662		123
Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	380		318
Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	181		96
Current	10,307		10,192
Total Loans Receivable	10,391	[1]	10,288
Loans Receivable - Greater than 90 Days and Accruing	3		10
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	178		27
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due			59
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	3		10
Residential Portfolio Segment [Member] | Consumer Home Equity Lines of Credit [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due			82
Current	53,037		37,292
Total Loans Receivable	53,127	[1]	37,374
Loans Receivable - Greater than 90 Days and Accruing			47
Residential Portfolio Segment [Member] | Consumer Home Equity Lines of Credit [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due			35
Residential Portfolio Segment [Member] | Consumer Home Equity Lines of Credit [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Residential Portfolio Segment [Member] | Consumer Home Equity Lines of Credit [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due			47
Commercial mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans Receivable	77,192		73,577
Consumer [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	21		37
Current	4,516		3,855
Total Loans Receivable	4,537		3,892	$ 3,517
Loans Receivable - Greater than 90 Days and Accruing	1		3
Consumer [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	16		17
Consumer [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	4		17
Consumer [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1		3
Commercial and Industrial [Member] | Commercial Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	836		601
Current	85,598		87,012
Total Loans Receivable	86,434		87,613
Loans Receivable - Greater than 90 Days and Accruing
Commercial and Industrial [Member] | Commercial Real Estate [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Commercial and Industrial [Member] | Commercial Real Estate [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	419		601
Commercial and Industrial [Member] | Commercial Real Estate [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	417
Commercial and Industrial [Member] | Commercial Real Estate [Member] | Real Estate Loan [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans Receivable	86,434		87,613
Commercial and Industrial [Member] | Commercial mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	341		29
Current	42,130		36,160
Total Loans Receivable	42,471		36,189
Loans Receivable - Greater than 90 Days and Accruing
Commercial and Industrial [Member] | Commercial mortgages [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	266		20
Commercial and Industrial [Member] | Commercial mortgages [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due			9
Commercial and Industrial [Member] | Commercial mortgages [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	75
Agriculture mortgages loans [Member] | Commercial Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	165
Current	163,588		158,321
Total Loans Receivable	163,753		158,321
Loans Receivable - Greater than 90 Days and Accruing
Agriculture mortgages loans [Member] | Commercial Real Estate [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	165
Agriculture mortgages loans [Member] | Commercial Real Estate [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Agriculture mortgages loans [Member] | Commercial Real Estate [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Agriculture mortgages loans [Member] | Commercial Real Estate [Member] | Real Estate Loan [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans Receivable			158,321
Agriculture mortgages loans [Member] | Commercial mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Current	21,630		18,305
Total Loans Receivable	21,630		18,305
Loans Receivable - Greater than 90 Days and Accruing
Agriculture mortgages loans [Member] | Commercial mortgages [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Agriculture mortgages loans [Member] | Commercial mortgages [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Agriculture mortgages loans [Member] | Commercial mortgages [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Government Sector [Member] | Commercial mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Current	13,091		19,083
Total Loans Receivable	13,091		19,083
Loans Receivable - Greater than 90 Days and Accruing
Government Sector [Member] | Commercial mortgages [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Government Sector [Member] | Commercial mortgages [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Government Sector [Member] | Commercial mortgages [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
[1]	Real estate loans serviced for others, which are not included in the Consolidated Balance Sheets, totaled $66,767,000 and $38,024,000 as of December 31, 2016, and 2015, respectively.

LOANS AND ALLOWANCE FOR LOAN 58

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Nonaccrual Loans by Class) (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual Loans	$ 721	$ 380
Commercial Real Estate [Member] | Construction Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual Loans
Residential Portfolio Segment [Member] | Real Estate Loan [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual Loans
Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual Loans
Residential Portfolio Segment [Member] | Consumer Home Equity Lines of Credit [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual Loans
Consumer [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual Loans
Commercial and Industrial [Member] | Commercial Real Estate [Member] | Real Estate Loan [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual Loans	646	380
Commercial and Industrial [Member] | Commercial mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual Loans	75
Agriculture mortgages loans [Member] | Commercial Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual Loans
Agriculture mortgages loans [Member] | Commercial Real Estate [Member] | Real Estate Loan [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual Loans
Agriculture mortgages loans [Member] | Commercial mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual Loans
Government Sector [Member] | Commercial mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual Loans

LOANS AND ALLOWANCE FOR LOAN 59

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Impaired Loans by Loan Portfolio Class) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Loans with no related allowance recorded:
Recorded Investment	$ 1,969	$ 1,705
Unpaid Principal Balance	2,066	2,326
Average Recorded Investment	2,129	1,957
Interest Income Recognized	57	86
Loans with an allowance recorded:
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment
Interest Income Recognized
Total impaired loans
Recorded Investment	1,969	1,705
Unpaid Principal Balance	2,066	2,326
Average Recorded Investment	2,129	1,957
Interest Income Recognized	57	86
Commercial Real Estate [Member]
Loans with no related allowance recorded:
Recorded Investment	1,894	1,705
Unpaid Principal Balance	1,991	2,277
Average Recorded Investment	2,053	1,903
Interest Income Recognized	57	83
Loans with an allowance recorded:
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment
Interest Income Recognized
Total impaired loans
Recorded Investment	1,894	1,705
Unpaid Principal Balance	1,991	2,277
Average Recorded Investment	2,053	1,903
Interest Income Recognized	57	83
Commercial Real Estate [Member] | Agriculture mortgages loans [Member]
Loans with no related allowance recorded:
Recorded Investment	1,248	1,325
Unpaid Principal Balance	1,248	1,325
Average Recorded Investment	1,285	1,359
Interest Income Recognized	55	83
Loans with an allowance recorded:
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment
Interest Income Recognized
Total impaired loans
Recorded Investment	1,248	1,325
Unpaid Principal Balance	1,248	1,325
Average Recorded Investment	1,285	1,359
Interest Income Recognized	55	83
Commercial Real Estate [Member] | Commercial mortgages [Member]
Loans with no related allowance recorded:
Recorded Investment	646	380
Unpaid Principal Balance	743	952
Average Recorded Investment	768	544
Interest Income Recognized	2
Loans with an allowance recorded:
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment
Interest Income Recognized
Total impaired loans
Recorded Investment	646	380
Unpaid Principal Balance	743	952
Average Recorded Investment	768	544
Interest Income Recognized	2
Commercial Real Estate [Member] | Construction Loans [Member]
Loans with no related allowance recorded:
Recorded Investment
Unpaid Principal Balance
Average Recorded Investment
Interest Income Recognized
Loans with an allowance recorded:
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment
Interest Income Recognized
Total impaired loans
Recorded Investment
Unpaid Principal Balance
Average Recorded Investment
Interest Income Recognized
Commercial and Industrial [Member]
Loans with no related allowance recorded:
Recorded Investment	75
Unpaid Principal Balance	75	49
Average Recorded Investment	76	54
Interest Income Recognized		3
Loans with an allowance recorded:
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment
Interest Income Recognized
Total impaired loans
Recorded Investment	75
Unpaid Principal Balance	75	49
Average Recorded Investment	76	54
Interest Income Recognized		3
Commercial and Industrial [Member] | Agriculture mortgages loans [Member]
Loans with no related allowance recorded:
Recorded Investment
Unpaid Principal Balance
Average Recorded Investment
Interest Income Recognized
Loans with an allowance recorded:
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment
Interest Income Recognized
Total impaired loans
Recorded Investment
Unpaid Principal Balance
Average Recorded Investment
Interest Income Recognized
Commercial and Industrial [Member] | Tax-free loans [Member]
Loans with no related allowance recorded:
Recorded Investment
Unpaid Principal Balance
Average Recorded Investment
Interest Income Recognized
Loans with an allowance recorded:
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment
Interest Income Recognized
Total impaired loans
Recorded Investment
Unpaid Principal Balance
Average Recorded Investment
Interest Income Recognized

LOANS AND ALLOWANCE FOR LOAN 60

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Schedule of Allowance for Credit Losses) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	$ 7,078	$ 7,141	$ 7,219
Charge-offs	(54)	(362)	(235)
Recoveries	213	149	207
Provision (credit)	325	150	(50)
Ending balance	7,562	7,078	7,141
Allowance for credit losses:
Ending balance	7,562	7,078	7,141
Ending balance: Individually evaluated for impairment			1
Ending balance: Collectively evaluated for impairment	7,562	7,078	7,140
Loans receivable:
Total Loans Receivable	570,567	519,569	470,706
Ending balance: Individually evaluated for impairment	1,969	1,705	2,358
Ending balance: Collectively evaluated for impairment	568,598	517,864	468,348
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	3,831	3,834	3,657
Charge-offs		(272)	(204)
Recoveries		34
Provision (credit)	(36)	235	381
Ending balance	3,795	3,831	3,834
Allowance for credit losses:
Ending balance	3,795	3,831	3,834
Ending balance: Individually evaluated for impairment			1
Ending balance: Collectively evaluated for impairment	3,795	3,831	3,833
Loans receivable:
Total Loans Receivable	275,067	260,900	243,623
Ending balance: Individually evaluated for impairment	1,894	1,705	2,285
Ending balance: Collectively evaluated for impairment	273,173	259,195	241,338
Consumer Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	1,403	1,367	1,346
Charge-offs		(28)
Recoveries	10		5
Provision (credit)	239	64	16
Ending balance	1,652	1,403	1,367
Allowance for credit losses:
Ending balance	1,652	1,403	1,367
Ending balance: Individually evaluated for impairment
Ending balance: Collectively evaluated for impairment	1,652	1,403	1,367
Loans receivable:
Total Loans Receivable	213,771	181,200	163,266
Ending balance: Individually evaluated for impairment
Ending balance: Collectively evaluated for impairment	213,771	181,200	163,266
Commercial and Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	1,314	1,301	1,416
Charge-offs	(23)	(44)	(12)
Recoveries	193	112	201
Provision (credit)	68	(55)	(304)
Ending balance	1,552	1,314	1,301
Allowance for credit losses:
Ending balance	1,552	1,314	1,301
Ending balance: Individually evaluated for impairment
Ending balance: Collectively evaluated for impairment	1,552	1,314	1,301
Loans receivable:
Total Loans Receivable	77,192	73,577	60,300
Ending balance: Individually evaluated for impairment	75		73
Ending balance: Collectively evaluated for impairment	77,117	73,577	60,227
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	62	66	102
Charge-offs	(31)	(18)	(19)
Recoveries	10	3	1
Provision (credit)	41	11	(18)
Ending balance	82	62	66
Allowance for credit losses:
Ending balance	82	62	66
Ending balance: Individually evaluated for impairment
Ending balance: Collectively evaluated for impairment	82	62	66
Loans receivable:
Total Loans Receivable	4,537	3,892	3,517
Ending balance: Individually evaluated for impairment
Ending balance: Collectively evaluated for impairment	4,537	3,892	3,517
Unallocated [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	468	573	698
Charge-offs
Recoveries
Provision (credit)	13	(105)	(125)
Ending balance	481	468	573
Allowance for credit losses:
Ending balance	481	468	573
Ending balance: Individually evaluated for impairment
Ending balance: Collectively evaluated for impairment	$ 481	$ 468	$ 573

PREMISES AND EQUIPMENT (Narrati

PREMISES AND EQUIPMENT (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Property, Plant and Equipment [Abstract]
Depreciation	$ 1,408,000	$ 1,440,000	$ 1,356,000

PREMISES AND EQUIPMENT (Schedul

PREMISES AND EQUIPMENT (Schedule of Premises and Equipment and Accumulated Depreciation) (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Premises and equipment, gross	$ 43,244	$ 40,972
Less accumulated depreciation	(20,676)	(19,276)
Premises and equipment, net	22,568	21,696
Land [Member]
Premises and equipment, gross	3,787	3,687
Buildings and improvements [Member]
Premises and equipment, gross	26,307	24,699
Furniture and Equipment [Member]
Premises and equipment, gross	12,970	12,423
Construction in Progress [Member]
Premises and equipment, gross	$ 180	$ 163

REGULATORY STOCK (Narrative) (D

REGULATORY STOCK (Narrative) (Details) - USD ($)	Dec. 31, 2016	Dec. 31, 2015
Federal Home Loan Bank Stock and Federal Reserve Bank Stock [Abstract]
Federal Home Loan Bank Stock	$ 5,184,000	$ 4,126,000
Federal Reserve Bank Stock	151,000
Atlantic Community Bankers' Bank Stock	$ 37,000
Federal Home Loan Bank quarterly dividend yield, annualized on activity stock	5.00%
Federal Home Loan Bank quarterly dividend yield, annualized on membership stock	2.00%

DEPOSITS (Schedule of Deposits

DEPOSITS (Schedule of Deposits by Major Classification) (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Deposits:
Non-interest bearing demand	$ 280,543	$ 236,214
Interest-bearing demand	20,108	14,737
NOW accounts	85,540	77,180
Money market deposit accounts	93,943	82,508
Savings accounts	175,753	148,319
Time deposits under $250,000	151,988	165,939
Time deposits of $250,000 or more	9,616	15,165
Total deposits	$ 817,491	$ 740,062

DEPOSITS (Schedule of Maturitie

DEPOSITS (Schedule of Maturities of Time Deposits) (Details) $ in Thousands	Dec. 31, 2016USD ($)
Maturities of time deposits
2,017	$ 67,666
2,018	29,429
2,019	21,911
2,020	19,957
2,021	22,641
Total	$ 161,604

SHORT TERM BORROWINGS (Narrativ

SHORT TERM BORROWINGS (Narrative) (Details) $ in Millions	Dec. 31, 2016USD ($)
Federal Fund Lines [Member]
Amount of borrowings available	$ 32
FRB Discount Window [Member]
Amount of borrowings available	$ 31

SHORT TERM BORROWINGS (Schedule

SHORT TERM BORROWINGS (Schedule of Short-Term Borrowings) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Total short-term borrowings outstanding at year end	$ 8,329	$ 8,736
Short-term Borrowings [Member]
Average interest rate at year end	0.65%	0.29%
Maximum outstanding at any month end	$ 16,532	$ 13,666	$ 7,260
Average amount outstanding for the year	$ 11,087	$ 8,720	$ 5,513
Weighted-average interest rate for the year	0.49%	0.34%	0.19%

OTHER BORROWED FUNDS (Narrative

OTHER BORROWED FUNDS (Narrative) (Details) - USD ($) $ in Millions	Dec. 31, 2016	Dec. 31, 2014
Fair value of securities pledged as collateral under repurchase agreement		$ 10
Federal Home Loan Bank Advances [Member]
Maximum borrowing capacity	$ 343.4
Amount available to be borrowed	273.8
FHLB convertible advance outstanding	$ 0

OTHER BORROWED FUNDS (Schedule

OTHER BORROWED FUNDS (Schedule of Maturities of other borrowings) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Federal Home Loan bank Advances
Federal Home Loan Bank Advances	$ 61,257	$ 59,594
Weighted- Average Rate %	1.41%	1.53%
FHLB Fixed Rate Loans 1 [Member]
Federal Home Loan bank Advances
Maturity Year	2,016	2,016
Federal Home Loan Bank Advances		$ 15,500
Weighted- Average Rate %		1.93%
FHLB Fixed Rate Loans 2 [Member]
Federal Home Loan bank Advances
Maturity Year	2,017	2,017
Federal Home Loan Bank Advances	$ 15,000	$ 15,000
Weighted- Average Rate %	1.26%	1.26%
FHLB Fixed Rate Loans 3 [Member]
Federal Home Loan bank Advances
Maturity Year	2,018	2,018
Federal Home Loan Bank Advances	$ 11,650	$ 11,650
Weighted- Average Rate %	1.22%	1.22%
FHLB Fixed Rate Loans 4 [Member]
Federal Home Loan bank Advances
Maturity Year	2,019	2,019
Federal Home Loan Bank Advances	$ 9,267	$ 6,767
Weighted- Average Rate %	1.58%	1.68%
FHLB Fixed Rate Loans 5 [Member]
Federal Home Loan bank Advances
Maturity Year	2,020	2,020
Federal Home Loan Bank Advances	$ 10,677	$ 10,677
Weighted- Average Rate %	1.59%	1.59%
FHLB Fixed Rate Loans 6 [Member]
Federal Home Loan bank Advances
Maturity Year	2,021	2,021
Federal Home Loan Bank Advances	$ 9,443
Weighted- Average Rate %	1.59%
FHLB Fixed Rate Loans 7 [Member]
Federal Home Loan bank Advances
Maturity Year	2,022	2,022
Federal Home Loan Bank Advances	$ 5,220
Weighted- Average Rate %	1.26%

OTHER BORROWED FUNDS (Schedul70

OTHER BORROWED FUNDS (Schedule of repurchase agreements) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Average interest rate at year end	1.41%	1.53%
Securities Sold under Agreements to Repurchase [Member]
Repurchase agreements outstanding at year end			$ 10,000
Average interest rate at year end			4.37%
Maximum outstanding at any month end		$ 10,000	$ 15,000
Average amount outstanding for the year		$ 5,863	$ 12,904
Weighted-average interest rate for the year		4.74%	4.62%

CAPITAL TRANSACTIONS (Details)

CAPITAL TRANSACTIONS (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended			17 Months Ended	144 Months Ended	192 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2016	Dec. 31, 2016	Dec. 31, 2016	Jun. 17, 2015
Class of Stock Disclosures [Abstract]
Stock buyback plan authorized							140,000
Weighted-average cost per share of shares repurchased	$ 32.99
Share discount via stock purchase plan	10.00%			10.00%	10.00%	10.00%
Treasury stock purchased, shares	14,000	22,935	15,650	26,135
Treasury stock issued, shares	14,858	15,623	16,460
Shares issued under Employee Stock Purchase Plan (ESPP)	6,880	7,527				92,490
Shares issued under Dividend Reinvestment Plan (DRP)	6,265	6,371			85,069
Shares issued under Directors' Stock Purchase Plan	1,713	1,725				14,825
Treasury shares	19,175	20,033		19,175	19,175	19,175
Weighted-average cost per share of treasury stock	$ 32.75			$ 32.75	$ 32.75	$ 32.75
Cost basis of treasury shares	$ 628,000			$ 628,000	$ 628,000	$ 628,000

RETIREMENT PLANS (Details)

RETIREMENT PLANS (Details) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Defined Contribution Plan Disclosure [Line Items]
Contribution, percentage	7.50%
Matching contribution, percentage of match	2.00%
401(K) Plan [Member]
Defined Contribution Plan Disclosure [Line Items]
Contribution, percentage	2.50%
Matching contribution, percentage of match	50.00%
Employee contribution	5.00%
Working hour in a calender year	1,000
Elective contribution [Member] | 401(K) Plan [Member]
Defined Contribution Plan Disclosure [Line Items]
Employee contribution	2.00%
Non-Elective contribution [Member] | 401(K) Plan [Member] | Upper Range [Member]
Defined Contribution Plan Disclosure [Line Items]
Employee contribution	3.00%
Non-Elective contribution [Member] | 401(K) Plan [Member] | Lower Range [Member]
Defined Contribution Plan Disclosure [Line Items]
Employee contribution	2.00%
Pension [Member]
Defined Contribution Plan Disclosure [Line Items]
Covered compensation limit of the defined contribution pension plan	$ 265,000	$ 265,000	$ 260,000
Expenses recognized for defined contribution plans	$ 651,000	$ 497,000	$ 470,000
Contribution, percentage	5.00%	5.00%	5.00%
401(k) Plan [Member]
Defined Contribution Plan Disclosure [Line Items]
Expenses recognized for defined contribution plans	$ 266,000	$ 225,000	$ 219,000
Contribution, percentage	5.00%
Matching contribution, percentage of match	50.00%
Effective contribution rate	2.50%
Employee contribution	5.00%
Working hour in a calender year	1,000
401(k) Plan [Member] | Participants Under Age 50 [Member]
Defined Contribution Plan Disclosure [Line Items]
Maximum contribution to plans	$ 18,000	18,000	17,500
401(k) Plan [Member] | Participants Over Age 50 [Member]
Defined Contribution Plan Disclosure [Line Items]
Maximum contribution to plans	$ 24,000	$ 23,000	$ 23,000

DEFERRED COMPENSATION (Details)

DEFERRED COMPENSATION (Details) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Deferred Compensation Arrangements [Abstract]
Life insurance policies, aggregate face amount	$ 3,409,000	$ 3,409,000
Death benefits of life insurance policies	6,399,000	6,399,000
Cash surrender value of life insurance policies	4,726,000	4,516,000
Net present value of deferred life insurance payments	$ 279,000	$ 435,000
Discount rate used in net present value calculation	4.50%	4.50%
Deferred compensation expense	$ 16,000	$ 23,000	$ 29,000

INCOME TAXES (Narrative) (Detai

INCOME TAXES (Narrative) (Details) - USD ($)	Dec. 31, 2016	Dec. 31, 2015
Income Tax Disclosure [Abstract]
Alternative minimum tax credits	$ 1,043,000	$ 1,085,000

INCOME TAXES (Schedule of Incom

INCOME TAXES (Schedule of Income Tax Reconciliation) (Details) - USD ($) $ in Thousands	3 Months Ended												12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Income Tax Disclosure [Abstract]
Income tax at statutory rate													$ 3,028	$ 2,811	$ 2,937
Tax-exempt interest income													(1,478)	(1,270)	(1,266)
Non-deductible interest expense													52	39	49
Bank-owned life insurance													(267)	(247)	(218)
Other													18	25	44
Income tax expense	$ 308	$ 445	$ 218	$ 382	$ 455	$ 382	$ 278	$ 243	$ 463	$ 337	$ 347	$ 399	$ 1,353	$ 1,358	$ 1,546
Income tax at statutory rate, rate													34.00%	34.00%	34.00%
Tax-exempt interest income, rate													(16.60%)	(15.40%)	(14.70%)
Non-deductible interest expense, rate													0.60%	0.50%	0.60%
Bank-owned life insurance, rate													(3.00%)	(3.00%)	(2.50%)
Other, rate													0.20%	0.30%	0.50%
Income tax expense, rate													15.20%	16.40%	17.90%

INCOME TAXES (Schedule of Compo

INCOME TAXES (Schedule of Components of Income Tax Expense) (Details) - USD ($) $ in Thousands	3 Months Ended												12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Income Tax Disclosure [Abstract]
Current tax expense													$ 1,734	$ 1,095	$ 1,032
Deferred tax expense (benefit)													(381)	275	531
Valuation allowance adjustment														(12)	(17)
Income tax expense	$ 308	$ 445	$ 218	$ 382	$ 455	$ 382	$ 278	$ 243	$ 463	$ 337	$ 347	$ 399	$ 1,353	$ 1,358	$ 1,546

INCOME TAXES (Schedule of Com77

INCOME TAXES (Schedule of Components of Corporation's Net Deferred Tax Position) (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Deferred tax assets
Allowance for loan losses	$ 2,571	$ 2,406	$ 2,428
Net unrealized holding losses on securities available for sale	2,516	130
Deferred compensation reserve	95	148	199
Capital loss carryforward		13	25
Tax credit carryforward	1,043	1,085	996
Allowance for off-balance sheet extensions of credit	117	155	105
Interest on non-accrual loans	166	155	170
Other	7	7	6
Total deferred tax assets	6,515	4,099	3,929
Valuation allowance		(13)	(25)
Net deferred taxes	6,515	4,086	3,904
Deferred tax liabilities
Premises and equipment	(1,497)	(1,852)	(1,536)
Net unrealized holding gains on securities available for sale			(516)
Discount on investment securities		(1)	(1)
Other	(41)	(24)	(13)
Total deferred tax liabilities	(1,538)	(1,877)	(2,066)
Net deferred tax assets	$ 4,977	$ 2,209	$ 1,838

REGULATORY MATTERS AND RESTRI78

REGULATORY MATTERS AND RESTRICTIONS (Narrative) (Details) $ in Millions	Dec. 31, 2016USD ($)
Regulatory Capital Requirements [Abstract]
Retained net profits available to pay dividends	$ 7.4

REGULATORY MATTERS AND RESTRI79

REGULATORY MATTERS AND RESTRICTIONS (Schedule of Retained Net Profits Available to Pay Dividends) (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Consolidated [Member]
Total Capital
Total Capital	$ 107,732	$ 102,891
Total Capital (to risk-weighted assets) ratio	15.20%	15.90%
Amount of capital for adequacy purposes	$ 56,635	$ 51,638
Amount of capital for adequacy purposes, ratio	8.00%	8.00%
To be well-capitalized	$ 70,794	$ 64,548
To be well-capitalized, ratio	10.00%	10.00%
Tier 1 Capital (to risk-weighted assets)
Tier 1 Capital	$ 99,824	$ 95,353
Tier 1 Capital (to risk-weighted assets) ratio	14.10%	14.80%
Amount of Tier 1 Capital for adequacy purposes	$ 42,476	$ 38,729
Amount of Tier 1 Capital for adequacy purposes, ratio	6.00%	6.00%
Tier 1 Capital to be well-capitalized	$ 56,635	$ 51,638
Tier 1 Capital to be well-capitalized, ratio	8.00%	8.00%
Common Equity Tier I Capital (to risk-weighted assets)
Common Equity Tier I Capital	$ 99,824	$ 95,353
Common Equity Tier I Capital ratio	14.10%	14.80%
Amount of Common Equity Tier 1 Capital for adequacy purposes	$ 31,857	$ 29,046
Amount of Common Equity Tier 1 Capital for adequacy purposes, ratio	4.50%	4.50%
Common Equity Tier 1 Capital to be well-capitalized	$ 46,016	$ 41,956
Common Equity Tier 1 Capital to be well-capitalized, ratio	6.50%	6.50%
Tier 1 Leverage Capital (to average assets)
Tier 1 Capital	$ 99,824	$ 95,353
Tier 1 Capital (to average assets) ratio	10.20%	10.80%
Amount of Tier 1 Capital for adequacy purposes	$ 39,092	$ 35,358
Amount of Tier 1 Capital for adequacy purposes, ratio	4.00%	4.00%
Tier 1 Capital to be well-capitalized	$ 48,865	$ 44,198
Tier 1 Capital to be well-capitalized, ratio	5.00%	5.00%
Bank [Member]
Total Capital
Total Capital	$ 106,084	$ 101,791
Total Capital (to risk-weighted assets) ratio	15.00%	15.80%
Amount of capital for adequacy purposes	$ 56,634	$ 51,596
Amount of capital for adequacy purposes, ratio	8.00%	8.00%
To be well-capitalized	$ 70,793	$ 64,495
To be well-capitalized, ratio	10.00%	10.00%
Tier 1 Capital (to risk-weighted assets)
Tier 1 Capital	$ 98,176	$ 94,258
Tier 1 Capital (to risk-weighted assets) ratio	13.90%	14.60%
Amount of Tier 1 Capital for adequacy purposes	$ 42,476	$ 38,697
Amount of Tier 1 Capital for adequacy purposes, ratio	6.00%	6.00%
Tier 1 Capital to be well-capitalized	$ 56,634	$ 51,596
Tier 1 Capital to be well-capitalized, ratio	8.00%	8.00%
Common Equity Tier I Capital (to risk-weighted assets)
Common Equity Tier I Capital	$ 98,176	$ 94,258
Common Equity Tier I Capital ratio	13.90%	14.60%
Amount of Common Equity Tier 1 Capital for adequacy purposes	$ 31,857	$ 29,023
Amount of Common Equity Tier 1 Capital for adequacy purposes, ratio	4.50%	4.50%
Common Equity Tier 1 Capital to be well-capitalized	$ 46,016	$ 41,921
Common Equity Tier 1 Capital to be well-capitalized, ratio	6.50%	6.50%
Tier 1 Leverage Capital (to average assets)
Tier 1 Capital	$ 98,176	$ 94,258
Tier 1 Capital (to average assets) ratio	10.10%	10.70%
Amount of Tier 1 Capital for adequacy purposes	$ 39,059	$ 35,342
Amount of Tier 1 Capital for adequacy purposes, ratio	4.00%	4.00%
Tier 1 Capital to be well-capitalized	$ 48,824	$ 44,178
Tier 1 Capital to be well-capitalized, ratio	5.00%	5.00%

TRANSACTIONS WITH DIRECTORS A80

TRANSACTIONS WITH DIRECTORS AND OFFICERS (Narrative) (Details)	12 Months Ended
	Dec. 31, 2015USD ($)item	Dec. 31, 2016USD ($)
Related Party Transactions [Abstract]
Number of executive officers who retired | item	2
Related party deposit liabilities | $	$ 5,282,000	$ 4,999,000

TRANSACTIONS WITH DIRECTORS A81

TRANSACTIONS WITH DIRECTORS AND OFFICERS (Schedule of Related Party Loans) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Loans to Insiders
Beginning Balance	$ 4,248	$ 4,211
Advances	2,427	2,165
Repayments	(2,222)	(2,113)
Other Changes		(15)
Ending Balance	$ 4,453	$ 4,248

COMMITMENTS AND CONTINGENCIES (

COMMITMENTS AND CONTINGENCIES (Details) - USD ($) $ in Millions	Dec. 31, 2016	Dec. 31, 2015
Commitment to extend credit	$ 234.6	$ 217.3
Loan Commitments [Member]
Commitment to extend credit	35.1	49.1
Line of Credit [Member]
Commitment to extend credit	189.2	156.5
Open Letter of Credit [Member]
Commitment to extend credit	$ 10.3	$ 11.7

FINANCIAL INSTRUMENTS WITH CO83

FINANCIAL INSTRUMENTS WITH CONCENTRATIONS OF CREDIT RISK (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Loans receivable:
Legal Lending Limit	$ 15,913,000	$ 15,269,000
Legal Lending Limit, percent	15.00%	15.00%
Policy Lending Limit	$ 11,934,000	$ 11,451,000
Policy Lending Limit, percent	75.00%	75.00%
Loans Receivable, gross	$ 570,567,000	$ 519,569,000	$ 470,706,000
Securities Available for sale:
Gross Amortized Cost	315,512,000	$ 289,805,000
Commercial and Industrial Tax Free Loans [Member]
Loans receivable:
Loans Receivable, gross	$ 13,100,000
Commercial and Industrial Tax Free Loans [Member] | Credit concentration risk [Member]
Loans receivable:
Concentration risk (as a percentage)	2.30%
Total Commercial and Industrial [Member]
Loans receivable:
Loans Receivable, gross	$ 77,200,000
Broilers and other chicken production loans [Member]
Loans receivable:
Loans Receivable, gross	$ 34,700,000
Broilers and other chicken production loans [Member] | Credit concentration risk [Member] | Loan [Member]
Loans receivable:
Concentration risk (as a percentage)	6.10%
NAICS Non-Residential Real Estate Investment Loans [Member]
Loans receivable:
Loans Receivable, gross	$ 39,500,000
NAICS Non-Residential Real Estate Investment Loans [Member] | Credit concentration risk [Member] | Loan [Member]
Loans receivable:
Concentration risk (as a percentage)	6.90%
NAICS Dairy Cattle and Milk Production Loans [Member]
Loans receivable:
Loans Receivable, gross	$ 88,300,000
NAICS Dairy Cattle and Milk Production Loans [Member] | Credit concentration risk [Member] | Loan [Member]
Loans receivable:
Concentration risk (as a percentage)	15.50%
Commercial Real Estate Agriculture Mortgages [Member] | Credit concentration risk [Member] | Loan [Member]
Loans receivable:
Concentration risk (as a percentage)	28.70%	30.50%
Commercial Real Estate [Member]
Loans receivable:
Loans Receivable, gross	$ 275,100,000
Commercial Real Estate [Member] | Credit concentration risk [Member] | Loan [Member]
Loans receivable:
Concentration risk (as a percentage)	48.20%
Total Consumer Real Estate [Member]
Loans receivable:
Loans Receivable, gross	$ 213,800,000	$ 181,200,000
Total Consumer Real Estate [Member] | Credit concentration risk [Member] | Loan [Member]
Loans receivable:
Concentration risk (as a percentage)	37.50%	34.90%
More Typically Known Corporate Bonds [Member]
Securities Available for sale:
Concentration Risk Percentage, as compared to total debt securities	20.00%
Corporate Bonds [Member]
Securities Available for sale:
Gross Amortized Cost	$ 52,928,000	$ 63,825,000
Concentration Risk Percentage, as compared to total debt securities	17.10%
Corporate Bonds [Member] | Non-Financial Commercial Paper [Member]
Securities Available for sale:
Gross Amortized Cost	$ 10,100,000
Corporate Bonds [Member] | Non-Financial Commercial Paper [Member] | Cell phone and television companies [Member]
Securities Available for sale:
Gross Amortized Cost	2,100,000
Corporate Bonds [Member] | Non-Financial Commercial Paper [Member] | Farm Equipment Companies [Member]
Securities Available for sale:
Gross Amortized Cost	1,000,000
Corporate Bonds [Member] | Non-Financial Commercial Paper [Member] | Energy companies [Member]
Securities Available for sale:
Gross Amortized Cost	2,800,000
Corporate Bonds [Member] | Financial and Brokerage Issuers [Member]
Securities Available for sale:
Gross Amortized Cost	$ 42,800,000
Concentration Risk Percentage, as compared to total corporate bond securities	80.90%
Corporate Bonds [Member] | Foreign Issuers [Member]
Securities Available for sale:
Gross Amortized Cost	$ 17,200,000
Corporate Bonds [Member] | Foreign Issuers [Member] | Financial and Brokerage Issuers [Member]
Securities Available for sale:
Gross Amortized Cost	17,200,000
Corporate Bonds [Member] | Foreign Issuers [Member] | Financial and Brokerage Issuers [Member] | Commercial Paper [Member]
Securities Available for sale:
Gross Amortized Cost	17,200,000
Corporate Bonds [Member] | Domestic Issuers [Member]
Securities Available for sale:
Gross Amortized Cost	35,700,000
Corporate Bonds [Member] | Domestic Issuers [Member] | Financial and Brokerage Issuers [Member]
Securities Available for sale:
Gross Amortized Cost	25,600,000
Corporate Bonds [Member] | Domestic Issuers [Member] | Financial and Brokerage Issuers [Member] | Commercial Paper - Brokerage [Member]
Securities Available for sale:
Gross Amortized Cost	12,000,000
Corporate Bonds [Member] | Domestic Issuers [Member] | Financial and Brokerage Issuers [Member] | Commercial Paper - Bank Debt [Member]
Securities Available for sale:
Gross Amortized Cost	13,600,000
Obligations of States and Political Subdivisions - States of Illinois [Member]
Securities Available for sale:
Gross Amortized Cost	$ 20,700,000
Concentration Risk Percentage, as compared to total debt securities	6.90%
Concentration Risk Percentage, as compared to total municipal securities portfolio	16.70%
Obligations of States and Political Subdivisions - State of Texas [Member]
Securities Available for sale:
Gross Amortized Cost	$ 21,900,000
Concentration Risk Percentage, as compared to total debt securities	7.20%
Concentration Risk Percentage, as compared to total municipal securities portfolio	17.60%
Obligations of states and political subdivisions - State of Pennsylvania [Member]
Securities Available for sale:
Gross Amortized Cost	$ 28,800,000
Concentration Risk Percentage, as compared to total debt securities	9.50%
Concentration Risk Percentage, as compared to total municipal securities portfolio	23.10%

FAIR VALUE MEASUREMENTS (Narrat

FAIR VALUE MEASUREMENTS (Narrative) (Details) - USD ($)	Dec. 31, 2016	Dec. 31, 2015
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired Financing Receivable, Recorded Investment	$ 1,969,000	$ 1,705,000
CRA Investment Fund [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Marketable equity securities, book value	5,250,000	5,000,000
Regulatory Bank Stock [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Marketable equity securities, book value	219,000	515,000
Regulatory Bank Stock [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Marketable equity securities, market value	$ 274,000	$ 533,000

FAIR VALUE MEASUREMENTS (Schedu

FAIR VALUE MEASUREMENTS (Schedule of Assets Measured on Recurring Basis) (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Recurring Fair Value Measurements
Securities available for sale (at fair value)	$ 308,111	$ 289,423
Fair Value Measured on a Recurring Basis [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	308,111	289,423
Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	5,524	5,533
Fair Value Measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level II) [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	302,587	283,890
Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
U.S. Government Agencies [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	32,261	29,691
U.S. Government Agencies [Member] | Fair Value Measured on a Recurring Basis [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	32,261	29,691
U.S. Government Agencies [Member] | Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
U.S. Government Agencies [Member] | Fair Value Measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level II) [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	32,261	29,691
U.S. Government Agencies [Member] | Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
U.S. Agency Mortgage-Backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	55,869	41,980
U.S. Agency Mortgage-Backed Securities [Member] | Fair Value Measured on a Recurring Basis [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	55,869	41,980
U.S. Agency Mortgage-Backed Securities [Member] | Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
U.S. Agency Mortgage-Backed Securities [Member] | Fair Value Measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level II) [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	55,869	41,980
U.S. Agency Mortgage-Backed Securities [Member] | Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
U.S. Agency Collateralized Mortgage Obligations [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	37,936	47,331
U.S. Agency Collateralized Mortgage Obligations [Member] | Fair Value Measured on a Recurring Basis [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	37,936	47,331
U.S. Agency Collateralized Mortgage Obligations [Member] | Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
U.S. Agency Collateralized Mortgage Obligations [Member] | Fair Value Measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level II) [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	37,936	47,331
U.S. Agency Collateralized Mortgage Obligations [Member] | Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Corporate Bonds [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	52,091	63,305
Corporate Bonds [Member] | Fair Value Measured on a Recurring Basis [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	52,091	63,305
Corporate Bonds [Member] | Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Corporate Bonds [Member] | Fair Value Measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level II) [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	37,936	63,305
Corporate Bonds [Member] | Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Obligations of States and Political Subdivisions [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	124,430	101,583
Obligations of States and Political Subdivisions [Member] | Fair Value Measured on a Recurring Basis [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	124,430	101,583
Obligations of States and Political Subdivisions [Member] | Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Obligations of States and Political Subdivisions [Member] | Fair Value Measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level II) [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	124,430	101,583
Obligations of States and Political Subdivisions [Member] | Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Marketable equity securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	5,524	5,533
Marketable equity securities [Member] | Fair Value Measured on a Recurring Basis [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	5,524	5,533
Marketable equity securities [Member] | Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	5,524	5,533
Marketable equity securities [Member] | Fair Value Measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level II) [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Marketable equity securities [Member] | Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)

FAIR VALUE MEASUREMENTS (Sche86

FAIR VALUE MEASUREMENTS (Schedule of Assets Measured on Nonrecurring Basis) (Details) - Fair Value Measured on a Nonrecurring Basis [Member] - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Non-Recurring Fair Value Measurements
Impaired Loans	$ 1,969	$ 1,705
OREO
Total Fair Value, non-recurring	1,969	1,705
Significant Other Observable Inputs (Level II) [Member]
Non-Recurring Fair Value Measurements
Impaired Loans
OREO
Total Fair Value, non-recurring
Quoted Prices in Active Markets for Identical Assets (Level I) [Member]
Non-Recurring Fair Value Measurements
Impaired Loans
OREO
Total Fair Value, non-recurring
Significant Unobservable Inputs (Level III) [Member]
Non-Recurring Fair Value Measurements
Impaired Loans	1,969	1,705
OREO
Total Fair Value, non-recurring	$ 1,969	$ 1,705

FAIR VALUE MEASUREMENTS (Sche87

FAIR VALUE MEASUREMENTS (Schedule of Level III Inputs to Determine Fair Value) (Details) - Impaired Loans [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Total Fair Value, non-recurring	$ 1,969	$ 1,705
Valuation Techniques	Appraisal of collateral	Appraisal of collateral
Lower Range [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Total Fair Value, non-recurring	$ 1,969
Unobservable inputs - Appraisal adjustments	(20.00%)	(20.00%)
Unobservable inputs - Liquidation expenses	(10.00%)	(10.00%)
Upper Range [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Total Fair Value, non-recurring	$ 1,969
Unobservable inputs - Appraisal adjustments	0.00%	0.00%
Unobservable inputs - Liquidation expenses	0.00%	0.00%
Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Total Fair Value, non-recurring	$ 1,969
Unobservable inputs - Appraisal adjustments	(20.00%)	(20.00%)
Unobservable inputs - Liquidation expenses	(10.00%)	(10.00%)

DISCLOSURES ABOUT FAIR VALUE 88

DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Fair value of financial assets
Total cash and cash equivalents	$ 45,632	$ 44,227	$ 43,412	$ 24,577
Securities available for sale	308,111	289,423
Regulatory stock	5,372	4,314
Loans, net of allowance	564,005	513,205
Bank owned life insurance	24,687	23,869
Financial Liabilities:
Non-interest bearing demand deposits	280,543	236,214
Interest-bearing demand deposits	20,108	14,737
NOW accounts	85,540	77,180
Money market deposit accounts	93,943	82,508
Savings accounts	175,753	148,319
Total deposits	817,491	740,062
Short-term Debt	8,329	8,736
Long-term debt	61,257	59,594
Carrying Amount [Member]
Fair value of financial assets
Total cash and cash equivalents	45,632	44,227
Securities available for sale	308,111	289,423
Regulatory stock	5,372	4,314
Loans held for sale	2,552	1,126
Loans, net of allowance	564,005	513,205
Accrued interest receivable	3,750	3,600
Bank owned life insurance	24,687	23,869
Financial Liabilities:
Non-interest bearing demand deposits	280,543	236,214
Interest-bearing demand deposits	20,108	14,737
NOW accounts	85,540	77,180
Money market deposit accounts	93,943	82,508
Savings accounts	175,753	148,319
Time deposits	161,604	181,104
Total deposits	817,491	740,062
Short-term Debt	8,329	8,736
Long-term debt	61,257	59,594
Accrued interest payable	384	456
Fair Value [Member]
Fair value of financial assets
Total cash and cash equivalents	45,632	44,227
Securities available for sale	308,111	289,423
Regulatory stock	5,372	4,314
Loans held for sale	2,552	1,126
Loans, net of allowance	563,418	512,481
Accrued interest receivable	3,750	3,600
Bank owned life insurance	24,687	23,869
Financial Liabilities:
Non-interest bearing demand deposits	280,543	236,214
Interest-bearing demand deposits	20,108	14,737
NOW accounts	85,540	77,180
Money market deposit accounts	93,943	82,508
Savings accounts	175,753	148,319
Time deposits	163,464	182,887
Total deposits	819,351	741,845
Short-term Debt	8,329	8,736
Long-term debt	61,372	59,805
Accrued interest payable	384	456
Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member]
Fair value of financial assets
Total cash and cash equivalents	45,632	44,227
Securities available for sale	5,524	5,533
Regulatory stock	5,372	4,314
Loans held for sale	2,552	1,126
Loans, net of allowance
Accrued interest receivable	3,750	3,600
Bank owned life insurance	24,687	23,869
Financial Liabilities:
Non-interest bearing demand deposits	280,543	236,214
Interest-bearing demand deposits	20,108	14,737
NOW accounts	85,540	77,180
Money market deposit accounts	93,943	82,508
Savings accounts	175,753	148,319
Time deposits
Total deposits	655,887	558,958
Short-term Debt	8,329	8,736
Long-term debt
Accrued interest payable	384	456
Fair Value [Member] | Significant Other Observable Inputs (Level II) [Member]
Fair value of financial assets
Total cash and cash equivalents
Securities available for sale	302,587	283,890
Regulatory stock
Loans held for sale
Loans, net of allowance
Accrued interest receivable
Bank owned life insurance
Financial Liabilities:
Non-interest bearing demand deposits
Interest-bearing demand deposits
NOW accounts
Money market deposit accounts
Savings accounts
Time deposits
Total deposits
Short-term Debt
Long-term debt
Accrued interest payable
Fair Value [Member] | Significant Unobservable Inputs (Level III) [Member]
Fair value of financial assets
Total cash and cash equivalents
Securities available for sale
Regulatory stock
Loans held for sale
Loans, net of allowance	563,418	512,481
Accrued interest receivable
Bank owned life insurance
Financial Liabilities:
Non-interest bearing demand deposits
Interest-bearing demand deposits
NOW accounts
Money market deposit accounts
Savings accounts
Time deposits	163,464	182,887
Total deposits	163,464	182,887
Short-term Debt
Long-term debt	61,372	59,805
Accrued interest payable

ACCUMULATED OTHER COMPREHENSI89

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Schedule of Accumulated Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2016	Dec. 31, 2015		Dec. 31, 2014
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance, beginning		$ 95,102	$ 92,767		$ 83,776
Other comprehensive income (loss), net of tax		(4,633)	(1,254)		4,942
Balance, ending		$ 94,939	$ 95,102		$ 92,767
Federal income tax rate		34.00%	34.00%		34.00%
Unrealized Gain (Losses) on Securities AFS [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance, beginning	[1],[2]	$ (252)	$ 1,002
Other comprehensive income (loss) before reclassifications		(3,069)	621	[1],[2]
Amount reclassified from accumulated other comprehensive income loss		(1,564)	(1,875)	[1],[2]
Other comprehensive income (loss), net of tax		(4,633)	(1,254)	[1],[2]
Balance, ending		$ (4,885)	$ (252)	[1],[2]	$ 1,002	[1],[2]
Federal income tax rate		34.00%
[1]	All amounts are net of tax. Related income tax expense or benefit is calculated using a Federal income tax rate of 34%.
[2]	Amounts in parentheses indicate debits.

ACCUMULATED OTHER COMPREHENSI90

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Schedule of Amounts Reclassified from AOCI) (Details) - USD ($) $ in Thousands	3 Months Ended												12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Gains on securities transactions, net													$ 2,370	$ 2,840	$ 3,131
Impairment on securities															(22)
Provision for federal income taxes	$ (308)	$ (445)	$ (218)	$ (382)	$ (455)	$ (382)	$ (278)	$ (243)	$ (463)	$ (337)	$ (347)	$ (399)	(1,353)	(1,358)	(1,546)
Reclassifications for the period	$ 1,920	$ 2,077	$ 1,644	$ 1,912	$ 1,995	$ 1,853	$ 1,596	$ 1,466	$ 1,802	$ 1,712	$ 1,740	$ 1,838	7,553	6,910	$ 7,092
Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Reclassifications for the period													1,564	1,875
Reclassification out of Accumulated Other Comprehensive Income [Member] | Unrealized Gain (Losses) on Securities AFS [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Gains on securities transactions, net													2,370	2,840
Provision for federal income taxes													(806)	(965)
Reclassifications for the period													$ 1,564	$ 1,875

CONDENSED PARENT ONLY DATA (Con

CONDENSED PARENT ONLY DATA (Condensed Balance Sheets) (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
ASSETS
Cash	$ 45,632	$ 44,227	$ 43,412	$ 24,577
Securities available for sale (at fair value)	308,111	289,423
Other assets	11,326	7,741
Total assets	984,253	905,601
Stockholders' Equity:
Capital stock	574	574
Capital surplus	4,403	4,395
Retained earnings	95,475	91,029
Accumulated other comprehensive loss, net of tax	(4,885)	(252)
Treasury stock	(628)	(644)
Total stockholders' equity	94,939	95,102	92,767	83,776
Parent Company [Member]
ASSETS
Cash	1,356	509	$ 702	$ 315
Securities available for sale (at fair value)	274	533
Equity in bank subsidiary	93,255	93,994
Other assets	54	66
Total assets	94,939	95,102
Stockholders' Equity:
Capital stock	574	574
Capital surplus	4,403	4,395
Retained earnings	95,475	91,029
Accumulated other comprehensive loss, net of tax	(4,885)	(252)
Treasury stock	(628)	(644)
Total stockholders' equity	$ 94,939	$ 95,102

CONDENSED PARENT ONLY DATA (C92

CONDENSED PARENT ONLY DATA (Condensed Statements of Comprehensive Income) (Details) - USD ($) $ in Thousands	3 Months Ended												12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Income
Gains on securities transactions													$ 2,370	$ 2,840	$ 3,131
Dividend income													335	359	245
Expense
Other expenses													2,315	2,351	2,211
Total operating expenses	$ 7,258	$ 6,748	$ 6,712	$ 6,482	$ 6,308	$ 6,090	$ 6,187	$ 6,150	$ 6,067	$ 5,767	$ 5,789	$ 5,798	27,200	24,735	23,421
Net income	$ 1,920	$ 2,077	$ 1,644	$ 1,912	$ 1,995	$ 1,853	$ 1,596	$ 1,466	$ 1,802	$ 1,712	$ 1,740	$ 1,838	7,553	6,910	7,092
Comprehensive Income (Loss)													2,920	5,656	12,034
Parent Company [Member]
Income
Dividend income - investment securities													29	16	9
Gains on securities transactions													171	25	49
Dividend income													3,606	3,581	3,556
Undistributed earnings of bank subsidiary													3,918	3,462	3,621
Total Income													7,724	7,084	7,235
Expense
Shareholder expenses													125	118	129
Other expenses													46	56	14
Total operating expenses													171	174	143
Net income													7,553	6,910	7,092
Comprehensive Income (Loss)													$ 2,920	$ 5,656	$ 12,034

CONDENSED PARENT ONLY DATA (C93

CONDENSED PARENT ONLY DATA (Condensed Statements of Cash Flows) (Details) - USD ($) $ in Thousands	3 Months Ended												12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Cash Flows from Operating Activities:
Net income	$ 1,920	$ 2,077	$ 1,644	$ 1,912	$ 1,995	$ 1,853	$ 1,596	$ 1,466	$ 1,802	$ 1,712	$ 1,740	$ 1,838	$ 7,553	$ 6,910	$ 7,092
Gains on securities transactions, net													(2,370)	(2,840)	(3,131)
Cash Flows from Investing Activities:
Proceeds from sales of securities available for sale													163,085	154,384	155,363
Purchases of securities available for sale													(251,616)	(199,023)	(180,668)
Cash Flows from Financing Activities:
Proceeds from issuance of treasury stock													489	512	499
Payment to repurchase common stock													(465)	(752)	(485)
Dividends paid													(3,107)	(3,081)	(3,057)
Cash and Cash Equivalents:
Increase in cash and cash equivalents													1,405	815	18,835
Cash and cash equivalents at beginning of period				44,227				43,412				24,577	44,227	43,412	24,577
Cash and cash equivalents at end of period	45,632				44,227				43,412				45,632	44,227	43,412
Parent Company [Member]
Cash Flows from Operating Activities:
Net income													7,553	6,910	7,092
Equity in undistributed earnings of subsidiaries													(3,918)	(3,462)	(3,621)
Gains on securities transactions, net													(171)	(25)	(49)
Net change in other assets													12	5	(3)
Net cash provided by operating activities													3,476	3,428	3,419
Cash Flows from Investing Activities:
Proceeds from sales of securities available for sale													812	167	338
Purchases of securities available for sale													(358)	(467)	(327)
Net cash provided by (used for) investing activities													454	(300)	11
Cash Flows from Financing Activities:
Proceeds from issuance of treasury stock													489	512	499
Payment to repurchase common stock													(465)	(752)	(485)
Dividends paid													(3,107)	(3,081)	(3,057)
Net cash used for financing activities													(3,083)	(3,321)	(3,043)
Cash and Cash Equivalents:
Increase in cash and cash equivalents													847	(193)	387
Cash and cash equivalents at beginning of period				$ 509				$ 702				$ 315	509	702	315
Cash and cash equivalents at end of period	$ 1,356				$ 509				$ 702				$ 1,356	$ 509	$ 702

SUMMARY OF QUARTERLY FINANCIA94

SUMMARY OF QUARTERLY FINANCIAL DATA (UNAUDITED) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended												12 Months Ended
	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Quarterly Financial Data [Abstract]
Interest income	$ 7,768	$ 7,393	$ 6,294	$ 6,886	$ 6,491	$ 6,761	$ 6,718	$ 6,872	$ 6,744	$ 6,696	$ 6,825	$ 6,872	$ 28,341	$ 26,842	$ 27,137
Interest expense	735	751	757	811	851	928	951	1,014	1,087	1,155	1,217	1,217	3,054	3,744	4,676
Net interest income	7,033	6,642	5,537	6,075	5,640	5,833	5,767	5,858	5,657	5,541	5,608	5,655	25,287	23,098	22,461
Less provision (credit) for loan losses	125	200	50	(50)		(150)	100	200	250		(100)	(200)
Net interest income after provision (credit) for loan losses	6,908	6,442	5,487	6,125	5,640	5,983	5,667	5,658	5,407	5,541	5,708	5,855	24,962	22,948	22,511
Other income	2,578	2,828	3,087	2,651	3,118	2,342	2,394	2,201	2,925	2,275	2,168	2,180	11,144	10,055	9,548
Operating expenses:
Salaries and employee benefits	4,539	4,219	4,040	3,971	3,741	3,679	3,674	3,702	3,515	3,517	3,481	3,430	16,769	14,796	13,943
Occupancy and equipment expenses	879	831	787	777	783	791	822	822	794	763	727	776
Other operating expenses	1,840	1,698	1,885	1,734	1,784	1,620	1,691	1,626	1,758	1,487	1,581	1,592
Total operating expenses	7,258	6,748	6,712	6,482	6,308	6,090	6,187	6,150	6,067	5,767	5,789	5,798	27,200	24,735	23,421
Income before income taxes	2,228	2,522	1,862	2,294	2,450	2,235	1,874	1,709	2,265	2,049	2,087	2,237	8,906	8,268	8,638
Provision for Federal income taxes	308	445	218	382	455	382	278	243	463	337	347	399	1,353	1,358	1,546
Net income	$ 1,920	$ 2,077	$ 1,644	$ 1,912	$ 1,995	$ 1,853	$ 1,596	$ 1,466	$ 1,802	$ 1,712	$ 1,740	$ 1,838	$ 7,553	$ 6,910	$ 7,092
Earnings per share of common stock	$ 0.67	$ 0.73	$ 0.58	$ 0.67	$ 0.70	$ 0.65	$ 0.56	$ 0.51	$ 0.63	$ 0.60	$ 0.61	$ 0.64	$ 2.65	$ 2.42	$ 2.48
Cash dividends paid per share	$ 0.28	$ 0.27	$ 0.27	$ 0.27	$ 0.27	$ 0.27	$ 0.27	$ 0.27	$ 0.27	$ 0.27	$ 0.27	$ 0.26	$ 1.09	$ 1.08	$ 1.07

SUBSEQUENT EVENTS (Details)

SUBSEQUENT EVENTS (Details) $ in Thousands	3 Months Ended
	Mar. 29, 2017USD ($)
Subsequent Event [Member]
Estimated cost for new branch	$ 3,600