ENB Financial (ENBP) 10-K 29 Mar 19 2018 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2018	Mar. 08, 2019	Jun. 30, 2018
Document And Entity Information
Entity Registrant Name	ENB Financial Corp
Entity Central Index Key	0001437479
Document Type	10-K
Document Period End Date	Dec. 31, 2018
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	Non-accelerated Filer
Entity Small Business	true
Entity Shell Company	false
Entity Emerging Growth Company	false
Entity Public Float			$ 61,322,930
Entity Common Stock, Shares Outstanding		2,843,132
Document Fiscal Period Focus	FY
Document Fiscal Year Focus	2018

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
ASSETS
Cash and due from banks	$ 26,675	$ 21,867
Interest-bearing deposits in other banks	14,690	31,206
Total cash and cash equivalents	41,365	53,073
Securities available for sale (at fair value)	294,065	314,077
Equity securities available for sale (at fair value)	5,934	5,584
Loans held for sale	1,429	2,892
Loans (net of unearned income)	694,073	597,553
Less: Allowance for loan losses	8,666	8,240
Net loans	685,407	589,313
Premises and equipment	25,551	25,687
Regulatory stock	6,348	5,794
Bank owned life insurance	28,085	27,814
Other assets	9,658	9,388
Total assets	1,097,842	1,033,622
Deposits:
Noninterest-bearing	369,081	314,917
Interest-bearing	550,653	551,560
Total deposits	919,734	866,477
Short-term borrowings	7,870
Long-term debt	65,386	65,850
Other liabilities	2,050	1,536
Total liabilities	995,040	933,863
Stockholders' equity:
Common stock, par value $0.20; Shares: Authorized 12,000,000 Issued 2,869,557 and Outstanding 2,852,532 as of 12/31/18 Issued 2,869,557 and Outstanding 2,849,823 as of 12/31/17	574	574
Capital surplus	4,435	4,415
Retained earnings	104,067	98,629
Accumulated other comprehensive loss net of tax	(5,678)	(3,195)
Less: Treasury stock cost on 17,025 shares as of 12/31/18 19,734 shares as of 12/31/17	(596)	(664)
Total stockholders' equity	102,802	99,759
Total liabilities and stockholders' equity	$ 1,097,842	$ 1,033,622

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - $ / shares	Dec. 31, 2018	Dec. 31, 2017
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	2,852,532	2,849,823
Treasury shares	17,025	19,734

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Interest and dividend income:
Interest and fees on loans	$ 27,966	$ 24,253
Interest on securities available for sale
Taxable	4,704	3,841
Tax-exempt	2,861	4,248
Interest on deposits at other banks	392	388
Dividend income	575	387
Total interest and dividend income	36,498	33,117
Interest expense:
Interest on deposits	2,067	1,929
Interest on borrowings	1,307	1,010
Total interest expense	3,374	2,939
Net interest income	33,124	30,178
Provision for loan losses	660	940
Net interest income after provision for loan losses	32,464	29,238
Other income:
Trust and investment services income	1,959	1,776
Service fees	2,929	2,669
Commissions	2,596	2,303
Gains (losses) on debt securities, net	(286)	618
Gains (losses) on equity securities, net	(5)	57
Gains on sale of mortgages	1,602	1,715
Earnings on bank-owned life insurance	1,638	688
Other income	604	495
Total other income	11,037	10,321
Operating expenses:
Salaries and employee benefits	20,240	19,340
Occupancy	2,475	2,413
Equipment	1,129	1,166
Advertising & marketing	773	698
Computer software & data processing	2,341	2,210
Shares tax	901	859
Professional services	1,974	1,673
Other expense	2,613	2,518
Total operating expenses	32,446	30,877
Income before income taxes	11,055	8,682
Provision for federal income taxes	1,306	2,338
Net income	$ 9,749	$ 6,344
Earnings per share of common stock	$ 3.42	$ 2.23
Cash dividends paid per share	$ 1.15	$ 1.12
Weighted average shares outstanding	2,854,369	2,849,084

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Statement of Comprehensive Income [Abstract]
Net income	$ 9,749	$ 6,344
Securities available for sale not other-than-temporarily impaired:
Unrealized gains (losses) arising during the period	(2,631)	3,235
Income tax effect	556	(1,100)
Total	(2,075)	2,135
(Gains)/losses recognized in earnings	286	(675)
Income tax effect	(60)	230
Total	226	(445)
Other comprehensive income (loss), net of tax	(1,849)	1,690
Comprehensive Income	$ 7,900	$ 8,034

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Common Stock [Member]	Capital Surplus [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Treasury Stock [Member]	Total
Balance, beginning at Dec. 31, 2016	$ 574	$ 4,403	$ 95,475	$ (4,885)	$ (628)	$ 94,939
Net income			6,344			6,344
Other comprehensive income (loss) net of tax				1,690		1,690
Treasury stock purchased					(568)	(568)
Treasury stock issued		12			532	544
Cash dividends paid			(3,190)			(3,190)
Balance, ending at Dec. 31, 2017	574	4,415	98,629	(3,195)	(664)	99,759
Net income			9,749			9,749
Other comprehensive income (loss) net of tax				(1,849)		(1,849)
Change in accounting principal for adoption of ASU 2017-08			(1,663)			(1,663)
Reclassification of certain income tax effects from accumulated other comprehensive loss			634	(634)
Treasury stock purchased					(463)	(463)
Treasury stock issued		20			531	551
Cash dividends paid			(3,282)			(3,282)
Balance, ending at Dec. 31, 2018	$ 574	$ 4,435	$ 104,067	$ (5,678)	$ (596)	$ 102,802

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Statement of Stockholders' Equity [Abstract]
Treasury stock purchased, shares	12,900	16,500
Treasury stock issued, shares	15,609	15,941
Cash dividends paid, per share	$ 1.15	$ 1.12

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Cash flows from operating activities:
Net income	$ 9,749	$ 6,344
Adjustments to reconcile net income to net cash provided by operating activities:
Net amortization of securities premiums and discounts and loan fees	3,936	3,892
Decrease (increase) in interest receivable	(70)	66
Increase (decrease) in interest payable	12	1
Provision for loan losses	660	940
(Gains) losses on securities transactions, net	291	(675)
Gains on sale of mortgages	(1,602)	(1,715)
Loans originated for sale	(43,450)	(42,847)
Proceeds from sales of loans	46,515	44,222
Earnings on bank-owned life insurance	(1,638)	(688)
Depreciation of premises and equipment and amortization of software	1,618	1,624
Net decrease (increase) in deferred income tax	1,352	1,496
Other assets and other liabilities, net	(616)	(1,310)
Net cash provided by operating activities	16,757	11,350
Securities:
Proceeds from maturities, calls, and repayments	16,255	21,864
Proceeds from sales	57,932	80,642
Purchases	(62,222)	(114,269)
Purchase of regulatory bank stock	(1,952)	(2,920)
Redemptions of regulatory bank stock	1,398	2,498
Purchase of bank-owned life insurance		(2,439)
Proceeds from bank-owned life insurance	1,364
Net increase in loans	(97,288)	(26,693)
Purchases of premises and equipment, net	(1,320)	(4,510)
Purchase of computer software	(101)	(118)
Net cash used for investing activities	(85,934)	(45,945)
Cash flows from financing activities:
Net increase in demand, NOW, and savings accounts	69,448	61,181
Net decrease in time deposits	(16,191)	(12,195)
Net increase (decrease) in short-term borrowings	7,870	(8,329)
Proceeds from long-term debt	14,161	19,593
Repayments of long-term debt	(14,625)	(15,000)
Dividends paid	(3,282)	(3,190)
Proceeds from sale of treasury stock	551	544
Treasury stock purchased	(463)	(568)
Net cash provided by financing activities	57,469	42,036
(Decrease) Increase in cash and cash equivalents	(11,708)	7,441
Cash and cash equivalents at beginning of period	53,073	45,632
Cash and cash equivalents at end of period	41,365	53,073
Supplemental disclosures of cash flow information:
Interest paid	3,362	2,938
Income taxes paid	375	1,725
Supplemental disclosure of non-cash investing and financing activities:
Fair value adjustments for securities available for sale	$ 2,345	$ (2,560)

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 2018
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 full-service 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. Commercial real estate lending is highly impacted by the value of collateral so these commercial loans carry a higher qualitative factor for changes in collateral value. While the Corporation’s CRE loans have performed well historically, other commercial loans and commercial mortgage 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. Of particular focus currently is the dairy component of the Corporation’s agricultural loans. The decline in milk prices continues to put financial pressure on these operations and management has increased qualitative factors over the year to reflect this. 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. 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. 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 residential real estate loans the Corporation will seek 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 $333,000 as of December 31, 2018, and $317,000 as of December 31, 2017. 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, 2018, or December 31, 2017. 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 $905,000 of MSRs as of December 31, 2018, compared to $661,000 as of December 31, 2017. Management expects MSRs to continue to grow as a result of the 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. The following chart provides the activity of the Corportation’s mortgage servicing rights for the years ended December 31, 2018 and 2017. MORTGAGE SERVICING RIGHTS (DOLLARS IN THOUSANDS) December 31, 2018 2017 $ $ Beginning Balance 661 410 Additions 315 290 Amortization (52 ) (27 ) Disposals (19 ) (12 ) Ending Balance 905 661 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 $28,085,000 and $27,814,000 as of December 31, 2018, and 2017, respectively. The increase in BOLI cash surrender value was primarily due to normal appreciation of existing 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, 2018 and 2017 were $773,000 and $698,000, 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. Change in Accounting Principle Revenue from Contracts with Customers The Company records revenue from contracts with customers in accordance with Accounting Standards Topic 606, Revenue from Contracts with Customers (Topic 606). The Corporation’s primary sources of revenue are derived from interest and dividends earned on loans, investment securities, and other financial instruments that are not within the scope of Topic 606. The Corporation has evaluated the nature of its contracts with customers and determined that further disaggregation of revenue from contracts with customers into more granular categories beyond what is presented in the Consolidated Statements of Income was not necessary. The Corporation generally fully satisfies its performance obligations on its contracts with customers as services are rendered and the transaction prices are typically fixed; charged either on a periodic basis or based on activity. Because performance obligations are satisfied as services are rendered and the transaction prices are fixed, there is little judgment involved in applying Topic 606 that significantly affects the determination of the amount and timing of revenue from contracts with customers. Financial Instruments In January 2016, the FASB issued ASU 2016-01, Financial Instruments – Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities entities that hold financial assets or owe financial liabilities and is intended to provide more useful information on the recognition, measurement, presentation, and disclosure of financial instruments. Among other things, this Update (a) requires equity investments (except those accounted for under the equity method of accounting or those that result in consolidation of the investee) to be measured at fair value with changes in fair value recognized in net income; (b) simplifies the impairment assessment of equity investments without readily determinable fair values by requiring a qualitative assessment to identify impairment; (c) eliminates the requirement to disclose the fair value of financial instruments measured at amortized cost for entities that are not public business entities; (d) eliminates the requirement for public business entities to disclose the method(s) and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost on the balance sheet; (e) requires public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes; (f) requires separate presentation of financial assets and financial liabilities by measurement category and form of financial asset (that is, securities or loans and receivables) on the balance sheet or the accompanying notes to the financial statements; and (g) clarifies that an entity should evaluate the need for a valuation allowance on a deferred tax asset related to available-for-sale securities in combination with the entity’s other deferred tax assets. ASU 2016-01 was effective for the Corporation on January 1, 2018, and resulted in separate classification of equity securities previously included in available for sale securities on the consolidated balance sheets with changes in the fair value of the equity securities captured in the consolidated statements of income. See Note B – Securities for disclosures related to equity securities. Adoption of the standard also resulted in the use of an exit price rather than an entrance price to determine the fair value of loans not measured at fair value on a non-recurring basis in the consolidated balance sheets. See Note R – Fair Value Presentation for further information regarding the valuation of these loans. Nonrefundable Fees and Other Costs In March 2017, the FASB issued ASU 2017-08, Receivables – Nonrefundable Fees and Other Costs (Subtopic 310-20). Reporting Comprehensive Income In February 2018, the FASB issued ASU 2018-02, Income Statement – Reporting Comprehensive Income (Topic 220) Recently Issued Accounting Standards ASU 2016-02, “Leases (Topic 842).” ASU 2016-02 will, among other things, require lessees to recognize a lease liability, which is a lessee's obligation to make lease payments arising from a lease, measured on a discounted basis; and a right-of-use asset, which is an asset that represents the lessee’s right to use, or control the use of, a specified asset for the lease term. ASU 2016-02 does not significantly change lease accounting requirements applicable to lessors; however, certain changes were made to align, where necessary, lessor accounting with the lessee accounting model and ASC Topic 606, “Revenue from Contracts with Customers “Leases (Topic 842) - Targeted Improvements,” ASU 2018-20, “Leases (Topic 842) - Narrow-Scope Improvements for Lessors,” ASU 2016-02, ASU 2018-11 and ASU 2018-20 on January 1, 2019, the Corporation expects to recognize right-of-use assets and related lease liabilities of approximately $1,000,000. In June 2016, the FASB issued ASU 2016-13, Financial Instruments - Credit Losses: Measurement of Credit Losses on Financial Instruments In February 2018, the FASB issued ASU 2018-03, Technical Corrections and Improvements to Financial Instruments—Overall (Subtopic 825-10) Fair Value Measurement Derivatives and Hedging—Embedded Derivatives Financial Instruments—Overall Financial Services— Insurance ASU 2018-04, Investments – Debt Securities (Topic 320) Regulated Operations (Topic 980) - Amendments to SEC Paragraphs Pursuant to SEC Staff Accounting Bulletin No. 117 and SEC Release No. 33-9273, ASU 2018-05, Income Taxes (Topic 740) - Amendments to SEC Paragraphs Pursuant to SEC Staff Accounting Bulletin (SAB) No. 118, In May 2018, the FASB issued ASU 2018-06, Codification Improvements to Topic 942, Financial Services – Depository and Lending Accounting for Net Deferred Tax Charges In July 2018, the FASB issued ASU 2018-09, Codification Improvements In August 2018, the FASB issued ASU 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework – Changes the Disclosure Requirements for Fair Value Measurements In November, 2018, the FASB issued ASU 2018-18, Collaborative Arrangements (Topic 808) For public business entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2019, and interim periods within those fiscal years. For all other entities, the amendments are

SECURITIES

SECURITIES	12 Months Ended
	Dec. 31, 2018
Investments, Debt and Equity Securities [Abstract]
SECURITIES	NOTE B - SECURITIES (DOLLARS IN THOUSANDS) The amortized cost and fair value of debt securities held at December 31, 2018, and 2017, are as follows: Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value $ $ $ $ December 31, 2018 U.S. government agencies 31,025 5 (910 ) 30,120 U.S. agency mortgage-backed securities 46,363 2 (1,726 ) 44,639 U.S. agency collateralized mortgage obligations 55,182 74 (1,166 ) 54,090 Asset-backed securities 11,440 — (41 ) 11,399 Corporate bonds 61,085 — (1,893 ) 59,192 Obligations of states and political subdivisions 96,157 69 (1,601 ) 94,625 Total securities available for sale 301,252 150 (7,337 ) 294,065 December 31, 2017 U.S. government agencies 35,101 — (749 ) 34,352 U.S. agency mortgage-backed securities 52,981 8 (916 ) 52,073 U.S. agency collateralized mortgage obligations 55,493 46 (898 ) 54,641 Corporate bonds 61,334 24 (589 ) 60,769 Obligations of states and political subdivisions 114,047 242 (2,047 ) 112,242 Total securities available for sale 318,956 320 (5,199 ) 314,077 The amortized cost and fair value of debt securities available for sale at December 31, 2018, 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 14,908 14,549 Due after one year through five years 140,318 136,151 Due after five years through ten years 33,962 33,144 Due after ten years 112,064 110,221 Total debt securities 301,252 294,065 Securities available for sale with a par value of $58,668,000 and $64,580,000 at December 31, 2018 and 2017, 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 $58,914,000 at December 31, 2018, and $66,157,000 at December 31, 2017. 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 2018 2017 $ $ Proceeds from sales 57,660 80,508 Gross realized gains 130 889 Gross realized losses 416 271 Information pertaining to securities with gross unrealized losses at December 31, 2018, and December 31, 2017, 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, 2018 U.S. government agencies — — 28,116 (910 ) 28,116 (910 ) U.S. agency mortgage-backed securities — — 42,041 (1,726 ) 42,041 (1,726 ) U.S. agency collateralized mortgage obligations 8,055 (85 ) 40,735 (1,081 ) 48,790 (1,166 ) Asset-backed securities 5,563 (41 ) — — 5,563 (41 ) Corporate bonds 20,228 (455 ) 38,964 (1,438 ) 59,192 (1,893 ) Obligations of states & political subdivisions 12,367 (104 ) 68,982 (1,497 ) 81,349 (1,601 ) Total temporarily impaired securities 46,213 (685 ) 218,838 (6,652 ) 265,051 (7,337 ) As of December 31, 2017 U.S. government agencies 9,941 (59 ) 24,411 (690 ) 34,352 (749 ) U.S. agency mortgage-backed securities 10,326 (78 ) 37,123 (838 ) 47,449 (916 ) U.S. agency collateralized mortgage obligations 29,551 (280 ) 20,980 (618 ) 50,531 (898 ) Corporate bonds 38,543 (282 ) 15,019 (307 ) 53,562 (589 ) Obligations of states & political subdivisions 15,188 (142 ) 68,278 (1,905 ) 83,466 (2,047 ) Total temporarily impaired securities 103,549 (841 ) 165,811 (4,358 ) 269,360 (5,199 ) In the debt security portfolio, there are 181 positions carrying unrealized losses as of December 31, 2018. There were no instruments considered to be other-than-temporarily impaired at December 31, 2018. 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). Equity Securities The following tables summarizes the amortized cost, gross unrealized gains and losses, and fair value of equity securities held at December 31, 2018 and December 31, 2017. Gross Gross (DOLLARS IN THOUSANDS) Amortized Unrealized Unrealized Fair Cost Gains Losses Value $ $ $ $ December 31, 2018 CRA-qualified mutual funds 5,410 — — 5,410 Bank stocks 591 — (67 ) 524 Total equity securities 6,001 — (67 ) 5,934 Gross Gross (DOLLARS IN THOUSANDS) Amortized Unrealized Unrealized Fair Cost Gains Losses Value $ $ $ $ December 31, 2017 CRA-qualified mutual funds 5,280 — — 5,280 Bank stocks 268 36 — 304 Total equity securities 5,548 36 — 5,584 As of January 1, 2018, the Corporation adopted ASU 2016-01, resulting in the reclassification of equity securities from available-for-sale. The following table presents the net gains and losses on the Corporation’s equity investments recognized in earnings during the year ended December 31, 2018, and the portion of unrealized gains and losses for the periods that relates to equity investments held as of December 31, 2018. NET GAINS AND LOSSES ON EQUITY INVESTMENTS RECOGNIZED IN EARNINGS (DOLLARS IN THOUSANDS) Year Ended December 31, 2018 $ Net gains (losses) recognized in equity securities during the period (5 ) Less: Net gains (losses) realized on the sale of equity securities during the period 53 Unrealized gains (losses) recognized in equity securities held at reporting date (58 )

LOANS AND ALLOWANCE FOR LOAN LO

LOANS AND ALLOWANCE FOR LOAN LOSSES	12 Months Ended
	Dec. 31, 2018
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 2018 and 2017. LOAN PORTFOLIO (DOLLARS IN THOUSANDS) December 31, 2018 2017 $ $ Commercial real estate Commercial mortgages 101,419 90,072 Agriculture mortgages 165,926 152,050 Construction 18,092 18,670 Total commercial real estate 285,437 260,792 Consumer real estate (a) 1-4 family residential mortgages 219,037 176,971 Home equity loans 10,271 11,181 Home equity lines of credit 64,413 61,104 Total consumer real estate 293,721 249,256 Commercial and industrial Commercial and industrial 61,043 41,426 Tax-free loans 22,567 20,722 Agriculture loans 20,512 18,794 Total commercial and industrial 104,122 80,942 Consumer 9,197 5,320 Gross loans prior to deferred costs and allowance for loan losses 692,477 596,310 Deferred loan costs, net 1,596 1,243 Allowance for loan losses (8,666 ) (8,240 ) Total net loans 685,407 589,313 (a) Real estate loans serviced for others, which are not included in the Consolidated Balance Sheets, totaled $126,916,000 and $98,262,000 as of December 31, 2018, and 2017, 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, 2018 and 2017. 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, 2018 Mortgages Mortgages Construction Industrial Loans Loans Total $ $ $ $ $ $ $ Grade: Pass 99,013 154,132 17,567 59,348 22,367 19,487 371,914 Special Mention 176 3,478 525 518 200 453 5,350 Substandard 2,230 8,316 — 1,177 — 572 12,295 Doubtful — — — — — — — Loss — — — — — — — Total 101,419 165,926 18,092 61,043 22,567 20,512 389,559 COMMERCIAL CREDIT EXPOSURE CREDIT RISK PROFILE BY INTERNALLY ASSIGNED GRADE (DOLLARS IN THOUSANDS) Commercial Commercial Agriculture and Tax-free Agriculture December 31, 2017 Mortgages Mortgages Construction Industrial Loans Loans Total $ $ $ $ $ $ $ Grade: Pass 86,259 143,037 17,670 37,947 20,514 17,798 323,225 Special Mention 160 3,873 — 1,015 208 270 5,526 Substandard 3,653 5,140 1,000 2,464 — 726 12,983 Doubtful — — — — — — — Loss — — — — — — — Total 90,072 152,050 18,670 41,426 20,722 18,794 341,734 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, 2018 and 2017: CONSUMER CREDIT EXPOSURE CREDIT RISK PROFILE BY PAYMENT PERFORMANCE (DOLLARS IN THOUSANDS) 1-4 Family Home Equity December 31, 2018 Residential Home Equity Lines of Mortgages Loans Credit Consumer Total Payment performance: $ $ $ $ $ Performing 218,641 10,271 64,413 9,196 302,521 Non-performing 396 — — 1 397 Total 219,037 10,271 64,413 9,197 302,918 CONSUMER CREDIT EXPOSURE CREDIT RISK PROFILE BY PAYMENT PERFORMANCE (DOLLARS IN THOUSANDS) 1-4 Family Home Equity December 31, 2017 Residential Home Equity Lines of Mortgages Loans Credit Consumer Total Payment performance: $ $ $ $ $ Performing 176,576 11,181 61,074 5,305 254,136 Non-performing 395 — 30 15 440 Total 176,971 11,181 61,104 5,320 254,576 The following tables present an age analysis of the Corporation’s past due loans, segregated by loan portfolio class, as of December 31, 2018 and 2017: AGING OF LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Loans Greater Receivable > 30-59 Days 60-89 Days than 90 Total Past Total Loans 90 Days and December 31, 2018 Past Due Past Due Days Due Current Receivable Accruing $ $ $ $ $ $ $ Commercial real estate Commercial mortgages — — 237 237 101,182 101,419 — Agriculture mortgages 326 — 816 1,142 164,784 165,926 — Construction — — — — 18,092 18,092 — Consumer real estate 1-4 family residential mortgages 455 201 396 1,052 217,985 219,037 396 Home equity loans 62 35 — 97 10,174 10,271 — Home equity lines of credit 95 — — 95 64,318 64,413 — Commercial and industrial Commercial and industrial 24 — — 24 61,019 61,043 — Tax-free loans — — — — 22,567 22,567 — Agriculture loans 118 — — 118 20,394 20,512 — Consumer 10 15 1 26 9,171 9,197 1 Total 1,090 251 1,450 2,791 689,686 692,477 397 AGING OF LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Loans December 31, 2017 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 — — 372 372 89,700 90,072 — Agriculture mortgages — — — — 152,050 152,050 — Construction — — — — 18,670 18,670 — Consumer real estate 1-4 family residential mortgages 533 248 395 1,176 175,795 176,971 395 Home equity loans 40 — — 40 11,141 11,181 — Home equity lines of credit — — 30 30 61,074 61,104 30 Commercial and industrial Commercial and industrial 65 109 — 174 41,252 41,426 — Tax-free loans — — — — 20,722 20,722 — Agriculture loans — — — — 18,794 18,794 — Consumer 8 3 15 26 5,294 5,320 15 Total 646 360 812 1,818 594,492 596,310 440 As of December 31, 2018, and 2017, all of the Corporation’s loans on non-accrual status were also considered impaired. Interest income on loans would have increased by approximately $47,000 and ,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) 2018 2017 $ $ Commercial real estate Commercial mortgages 1,017 393 Agriculture mortgages 816 — Construction — — Consumer real estate 1-4 family residential mortgages — — Home equity loans — — Home equity lines of credit — — Commercial and industrial Commercial and industrial — — Tax-free loans — — Agriculture loans — — Consumer — — Total 1,833 393 During 2018, there were no loan modifications made causing a loan to be considered a troubled debt restructuring (TDR). During 2017, there was one loan modification made causing a loan to be considered a TDR. A TDR is a loan where management has granted a concession to a borrower that is experiencing financial difficulty. 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 loan classified as a TDR during 2017 was an agricultural loan with a principal balance at December 31, 2017, of $245,000. The concession granted to the borrower was an interest-only period initially running for three months to March 31, 2017. However, in April 2017, that deferral period was extended for an additional three months, causing management to classify the loan as a TDR. The concession period ended June 30, 2017. Subsequent to June 30, 2017, the borrower resumed normal principal and interest payments as of July 2017. The loan was later paid off in July of 2018 when the balance was down to $209,000. The following table summarizes information in regards to impaired loans by loan portfolio class as of December 31, 2018: IMPAIRED LOAN ANALYSIS (DOLLARS IN THOUSANDS) Recorded Unpaid Related Average Interest $ $ $ $ $ With no related allowance recorded: Commercial real estate Commercial mortgages 370 901 — 396 — Agriculture mortgages 1,692 1,692 — 1,063 45 Construction — — — — — Total commercial real estate 2,062 2,593 — 1,459 45 Commercial and industrial Commercial and industrial — — — — — Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial — — — — — Total with no related allowance 2,062 2,593 — 1,459 45 With an allowance recorded: Commercial real estate Commercial mortgages 647 694 132 484 — Agriculture mortgages — — — — — Construction — — — — — Total commercial real estate 647 694 132 484 — Commercial and industrial Commercial and industrial — — — — — Tax-free loans — — — — — Agriculture loans — — — 124 6 Total commercial and industrial — — — 124 6 Total with a related allowance 647 694 132 608 6 Total by loan class: Commercial real estate Commercial mortgages 1,017 1,595 132 880 — Agriculture mortgages 1,692 1,692 — 1,063 45 Construction — — — — — Total commercial real estate 2,709 3,287 132 1,943 45 Commercial and industrial Commercial and industrial — — — — — Tax-free loans — — — — — Agriculture loans — — — 124 6 Total commercial and industrial — — — 124 6 Total 2,709 3,287 132 2,067 51 The following table summarizes information in regards to impaired loans by loan portfolio class as of December 31, 2017: IMPAIRED LOAN ANALYSIS (DOLLARS IN THOUSANDS) Recorded Unpaid Related Average Interest $ $ $ $ $ With no related allowance recorded: Commercial real estate Commercial mortgages 393 690 — 585 4 Agriculture mortgages 1,174 1,174 — 1,210 54 Construction — — — — — Total commercial real estate 1,567 1,864 — 1,795 58 Commercial and industrial Commercial and industrial — — — — — Tax-free loans — — — — — Agriculture loans 245 245 — 163 7 Total commercial and industrial 245 245 — 163 7 Total with no related allowance 1,812 2,109 — 1,958 65 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 393 690 — 585 4 Agriculture mortgages 1,174 1,174 — 1,210 54 Construction — — — — — Total commercial real estate 1,567 1,864 — 1,795 58 Commercial and industrial Commercial and industrial — — — — — Tax-free loans — — — — — Agriculture loans 245 245 — 163 7 Total commercial and industrial 245 245 — 163 7 Total 1,812 2,109 — 1,958 65 The following table details activity in the allowance for loan losses by portfolio segment for the year ended December 31, 2018: 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 3,863 2,052 1,829 98 398 8,240 Charge-offs (223 ) (20 ) (110 ) (27 ) — (380 ) Recoveries 72 — 66 8 — 146 Provision (credit) 584 376 (357 ) 24 33 660 Ending balance 4,296 2,408 1,428 103 431 8,666 Ending balance: individually evaluated for impairment 132 — — — — 132 Ending balance: collectively evaluated for impairment 4,164 2,408 1,428 103 431 8,534 Loans receivable: Ending balance 285,437 293,721 104,122 9,197 692,477 Ending balance: individually evaluated for impairment 2,709 — — — 2,709 Ending balance: collectively evaluated for impairment 282,728 293,721 104,122 9,197 689,768 The dollar amount of the allowance increased for all loan segments except commercial and industrial since December 31, 2017. Loan growth and higher charge-off amounts resulted in higher allowance balances. The higher charge-offs in 2018 increased the historical loss adjustments in the commercial real estate and consumer real estate pools causing the associated allowance to increase in those areas. The decline in allowance allocated to the commercial and industrial segment was due to a change in the allowance calculation that occurred in early 2018. Prior to 2018, the business loan pool, included in commercial and industrial, had a large special adjustment factor for potential impairment. The loss rate for this pool also declined from December 31, 2017, to December 31, 2018. The Corporation’s allowance allocation is still overweighted toward commercial real estate loans due to the higher historical losses experienced. Approximately 50% of the allowance is dedicated to this sector that comprises 41% of total loan balances. This compares to 28% of the allowance being allocated to the consumer real estate sector which comprises 42% of all loan balances. Losses on consumer real estate has traditionally been lower than commercial loans. The commercial and industrial sector has 17% of the allowance allocated and comprises a similar 15% of loan balances. Commercial and industrial historical losses have generally been lower than commercial real estate but higher than consumer real estate, based on loan balances outstanding. The December 31, 2018 ending balance of the allowance was up $426,000, or 5.2%, from December 31, 2017, and the allowance as a percentage of total loans was down from 1.38% as of December 31, 2017, to 1.25% as of December 31, 2018. The following table details activity in the allowance for loan losses by portfolio segment for the year ended December 31, 2017: 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 3,795 1,652 1,552 82 481 7,562 Charge-offs (200 ) — (89 ) (28 ) — (317 ) Recoveries — 20 24 11 — 55 Provision (credit) 268 380 342 33 (83 ) 940 Ending balance 3,863 2,052 1,829 98 398 8,240 Ending balance: individually evaluated for impairment — — — — — — Ending balance: collectively evaluated for impairment 3,863 2,052 1,829 98 398 8,240 Loans receivable: Ending balance 260,792 249,256 80,942 5,320 596,310 Ending balance: individually evaluated for impairment 1,567 — 245 — 1,812 Ending balance: collectively evaluated for impairment 259,225 249,256 80,697 5,320 594,498 The dollar amount of the allowance increased for all loan segments from December 31, 2016 to December 31, 2017. Loan growth and higher charge-off amounts resulted in higher allowance balances but delinquencies, non-performing loans, and classified loans were all down from prior years’ levels. The higher charge-offs in 2017 increased the historical loss adjustments in the commercial real estate and commercial and industrial pools causing the associated allowance to increase in those areas. The primary reason for the increase in allowance in the consumer real estate segment was due to a significant 16.6% increase in loan balances as well as increases in some qualititative factors related to this segment. The December 31, 2017 ending balance of the allowance was up $678,000, or 9.0%, from December 31, 2016, and the allowance as a percentage of total loans was up from 1.32% as of December 31, 2016, to 1.38% as of December 31, 2017.

PREMISES AND EQUIPMENT

PREMISES AND EQUIPMENT	12 Months Ended
	Dec. 31, 2018
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, 2018 2017 $ $ Land 5,043 5,043 Buildings and improvements 29,302 26,424 Furniture and equipment 14,592 13,510 Construction in process 133 2,773 Total 49,070 47,750 Less accumulated depreciation (23,519 ) (22,063 ) Premises and equipment 25,551 25,687 Depreciation expense, which is included in operating expenses, amounted to $1,456,000 for 2018, and $1,391,000 for 2017. 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, 2018, the construction in process consists primarily of costs associated with various small projects whereas the balance outstanding at December 31, 2017, was primarily related to the the building of the permanent branch office in Strasburg, PA which was opened for business in January of 2018.

REGULATORY STOCK

REGULATORY STOCK	12 Months Ended
	Dec. 31, 2018
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, 2018, the Bank held $6,160,000 in stock of the FHLB compared to $5,606,000 as of December 31, 2017. 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 6.75% annualized on activity stock and 3.50% annualized on membership stock as of December 31, 2018. 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. 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 Bancshares, Inc. stock, the Bank Holding Company of ACBB, as of December 31, 2018 and December 31, 2017.

DEPOSITS

DEPOSITS	12 Months Ended
	Dec. 31, 2018
Deposits:
DEPOSITS	NOTE F – DEPOSITS (DOLLARS IN THOUSANDS) Deposits by major classifications are summarized as follows: December 31, 2018 2017 $ $ Non-interest bearing demand 369,081 314,917 Interest-bearing demand 20,104 20,230 NOW accounts 89,072 86,758 Money market deposit accounts 108,594 105,994 Savings accounts 199,665 189,169 Time deposits under $250,000 127,300 143,073 Time deposits of $250,000 or more 5,918 6,336 Total deposits 919,734 866,477 At December 31, 2018, the scheduled maturities of time deposits are as follows: 2019 57,063 2020 31,771 2021 23,646 2022 11,234 2023 9,504 Total 133,218

SHORT TERM BORROWINGS

SHORT TERM BORROWINGS	12 Months Ended
	Dec. 31, 2018
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, 2018 and 2017: 2018 2017 $ $ Total short-term borrowings outstanding at year end 7,870 — Average interest rate at year end 2.60% — Maximum outstanding at any month end 17,322 28,674 Average amount outstanding for the year 5,332 7,331 Weighted-average interest rate for the year 1.88% 0.75% As of December 31, 2018, 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 $25.8 million as of December 31, 2018. For further information on borrowings from the FHLB see Note H.

OTHER BORROWED FUNDS

OTHER BORROWED FUNDS	12 Months Ended
	Dec. 31, 2018
Long-term Debt, Unclassified [Abstract]
OTHER BORROWED FUNDS	NOTE H – OTHER BORROWED FUNDS (DOLLARS IN THOUSANDS) Maturities of other borrowings at December 31, 2018, and 2017, are summarized as follows: December 31, 2018 2017 Weighted- Weighted- Average Average Amount Rate Amount Rate $ % $ % FHLB fixed rate loans 2018 — — 14,625 1.25 2019 12,237 1.53 12,237 1.53 2020 16,340 1.85 10,677 1.59 2021 14,505 1.72 14,505 1.72 2022 15,804 1.84 13,806 1.72 2023 6,500 2.93 — — Total other borrowings 65,386 1.87 65,850 1.56 All of the Corporation’s long term borrowed funds were through the FHLB of Pittsburgh as of December 31, 2018 and 2017. 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 $399.9 million as of December 31, 2018, with remaining borrowing capacity of $334.5 million. The borrowing arrangement with the FHLB is subject to annual renewal. The maximum borrowing capacity is recalculated quarterly.

CAPITAL TRANSACTIONS

CAPITAL TRANSACTIONS	12 Months Ended
	Dec. 31, 2018
Class of Stock Disclosures [Abstract]
CAPITAL TRANSACTIONS	NOTE I – CAPITAL TRANSACTIONS Subsequent to December 31, 2018, but prior to the filing of this Form 10-K Report, on February 21, 2019, the Corporation announced a new stock repurchase program to repurchase, in open market and privately negotiated transactions, up to 100,000 shares of the Corportation’s outstanding common stock. Prior to February 21, 2019, the Corporation was repurchasing shares of common stock under a previous stock repurchase program announced on June 17, 2015, authorizing the repurchase of up to 140,000 shares of the Corporation’s outstanding common stock in open market and privately negotiated transactions. Under the 2015 plan, through February 20, 2019, management repurchased a total of 64,935 shares at a weighted average cost per share of $34.24. As of December 31, 2018, a total of 55,535 shares were repurchased under the 2015 plan at a weighted average cost of $34.10 per share. Shares repurchased under both plans were held as treasury shares to be utilized in connection with the Corporation’s three stock purchase plans. 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 8,269 shares issued through the ESPP in 2018 with 108,921 shares issued since existence. The DRP was started in 2005 and has grown to nearly as large as the ESPP with 6,327 shares issued in 2018 and 97,764 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 1,013 shares were issued in connection with this plan in 2018 and 17,249 since existence. In 2017, there were 8,162 shares issued through the ESPP, 6,368 shares issued through the DRP, and 1,411 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. The total amount of shares issued from Treasury for these plans collectively in 2018 and 2017 was 15,609 and 15,941, respectively. As of December 31, 2018, the Corporation held 17,025 treasury shares, at a weighted-average cost of $35.04 per share, with a cost basis of $596,000.

RETIREMENT PLANS

RETIREMENT PLANS	12 Months Ended
	Dec. 31, 2018
Retirement Benefits [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 2018 was $18,500 and for 2017 was $18,000, for persons under age 50, and for persons over age 50 was $24,500 in 2018 and $24,000 in 2017. 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 $345,000 and $316,000 for 2018 and 2017, 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 employees’ compensation for the year. Additionally, the Corporation has chosen to contribute a Non-Elective Employer Contribution of 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, 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 $275,000 in 2018 and $270,000 in 2017. Total expenses of the plan were $620,000 and $704,000, for 2018 and 2017, 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, 2018
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, 2018, and December 31, 2017. The death benefits totaled $6,691,000 at December 31, 2018, and $6,680,000 at December 31, 2017. The cash surrender value of the above policies totaled $4,873,000 and $4,775,000 as of December 31, 2018, and 2017, respectively. The net present value of the vested portion of deferred payments totaled $0 at December 31, 2018, and $130,000 at December 31, 2017. The interest rate used to discount these obligations was 4.50% for 2018 and 2017. 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 $2,000 for 2018, and $9,000 for 2017, and are included in other operating expenses in the Consolidated Statements of Income.

INCOME TAXES

INCOME TAXES	12 Months Ended
	Dec. 31, 2018
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, 2018 2017 $ % $ % Income tax at statutory rate 2,322 21.0 2,952 34.0 Tax-exempt interest income (743 ) (6.7 ) (1,620 ) (18.7 ) Non-deductible interest expense 47 0.4 72 0.8 Bank-owned life insurance (344 ) (3.1 ) (234 ) (2.7 ) Other 24 0.2 37 0.4 Change in corporate tax rate — — 1,131 13.1 Income tax expense 1,306 11.8 2,338 26.9 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. As a result of The Tax Cuts and Jobs Act, enacted on December 22, 2017, the Corporate Alternative Minimum Tax (AMT) has been repealed. Therefore, all AMT tax credits previously carried forward have now been transferred to Federal income tax receivable to utilize against any corporate Federal income tax amounts payable. As of December 31, 2017, the Corporation had $1,158,000 of AMT credits that could be carried forward. The AMT credits previously had an unlimited carry-forward period. No valuation was 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. Additionally, this asset’s value was not impacted by the change in the Corporate tax rate described below. The Corporation is expected to fully realize the $1,158,000 of AMT credits in the 2018 and 2019 tax years. 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 2015. The Tax Cuts and Jobs Act, enacted on December 22, 2017, lowered the Corporation’s federal income tax rate from 34% to 21% effective January 1, 2018. As a result, the carrying value of net deferred tax assets was reduced which increased income tax expense by $1,131,000 in 2017. Significant components of income tax expense are as follows: (DOLLARS IN THOUSANDS) Year Ended December 31, 2018 2017 $ $ Current tax expense (46 ) 842 Deferred tax expense (benefit) 1,352 365 Change in corporate tax rate — 1,131 Income tax expense 1,306 2,338 Components of the Corporation's net deferred tax position are as follows: (DOLLARS IN THOUSANDS) December 31, 2018 2017 $ $ Deferred tax assets Allowance for loan losses 1,820 2,802 Net unrealized holding losses on securities available for sale 1,523 1,016 Deferred compensation reserve — 44 Tax credit carryforward — 1,158 Allowance for off-balance sheet extensions of credit 70 108 Interest on non-accrual loans 7 174 Other 53 11 Total deferred tax assets 3,473 5,313 Deferred tax liabilities Premises and equipment (1,006 ) (2,670 ) Discount on investment securities (2 ) — Other (198 ) (161 ) Total deferred tax liabilities (1,206 ) (2,831 ) Net deferred tax assets 2,267 2,482

REGULATORY MATTERS AND RESTRICT

REGULATORY MATTERS AND RESTRICTIONS	12 Months Ended
	Dec. 31, 2018
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, 2018 and 2017, 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, 2018 and December 31, 2017, 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, 2018 Total Capital to Risk-Weighted Assets Consolidated 117,479 14.3 73,947 8.0 82,163 10.0 Bank. 115,988 14.1 65,680 8.0 82,100 10.0 Tier I Capital to Risk-Weighted Assets Consolidated 108,480 13.2 49,298 6.0 73,947 8.0 Bank 106,989 13.0 49,260 6.0 65,680 8.0 Common Equity Tier I Capital to Risk-Weighted Assets Consolidated. 108,480 13.2 36,973 4.5 53,406 6.5 Bank 106,989 13.0 36,945 4.5 53,365 6.5 Tier I Capital to Average Assets Consolidated 108,480 10.0 43,519 4.0 54,398 5.0 Bank 106,989 9.8 43,519 4.0 54,398 5.0 As of December 31, 2017 Total Capital to Risk-Weighted Assets Consolidated 111,512 15.0 59,525 8.0 74,406 10.0 Bank 109,961 14.8 59,502 8.0 74,378 10.0 Tier I Capital to Risk-Weighted Assets Consolidated 102,955 13.8 44,644 6.0 59,525 8.0 Bank 101,404 13.6 44,627 6.0 59,502 8.0 Common Equity Tier I Capital to Risk-Weighted Assets Consolidated 102,955 13.8 33,483 4.5 48,364 6.5 Bank 101,404 13.6 33,470 4.5 48,346 6.5 Tier I Capital to Average Assets Consolidated 102,955 10.1 40,971 4.0 51,214 5.0 Bank 101,404 9.9 40,971 4.0 51,214 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 2018, without the approval of the OCC, of approximately $9.8 million, plus an additional amount equal to the Corporation’s net profits for 2019, up to the date of any such dividend declaration.

TRANSACTIONS WITH DIRECTORS AND

TRANSACTIONS WITH DIRECTORS AND OFFICERS	12 Months Ended
	Dec. 31, 2018
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, 2017 4,453 Advances 3,358 Repayments (2,142 ) Balance, December 31, 2017 5,669 Balance, January 1, 2018 5,669 Advances 2,935 Repayments (3,435 ) Balance, December 31, 2018 5,169 Deposits from the insiders totaled $3,102,000 as of December 31, 2018, and $4,034,000 as of December 31, 2017.

COMMITMENTS AND CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	12 Months Ended
	Dec. 31, 2018
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, 2018, firm loan commitments totaled approximately $40.0 million; unused lines of credit totaled $235.3 million; and open letters of credit totaled $8.7 million. The sum of these commitments, $284.0 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, 2017, totaled $270.5 million, representing firm loan commitments of $45.0 million, unused lines of credit of $214.2 million, and open letters of credit totaling $11.3 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, 2018
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, 2018, the Corporation’s legal lending limit was $17,398,000, and the Corporation’s lending policy limit was $13,049,000. This compared to a legal lending limit of $16,494,000, and lending policy limit of $12,371,000 as of December 31, 2017. As of December 31, 2018 and 2017, 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 $293.7 million, or 42.4%, of the $692.5 million gross loans outstanding as of December 31, 2018. This compares to $249.3 million, or 41.8%, of the $596.3 million of gross loans outstanding as of December 31, 2017. Residential real estate consists of first mortgages and home equity loans. A concentration in commercial real estate of 41.2%, or $285.4 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 24.0% of gross loans as of December 31, 2018, compared to 25.5% as of December 31, 2017; 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, 2018, the largest specific industry type categories were dairy cattle and milk production loans of $85.5 million, or 12.3% of gross loans, residential real estate investment loans of $53.2 million, or 7.7% of gross loans, and non-residential real estate investment loans with a balance of $42.1 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 $104.1 million of loans designated as commercial and industrial for the Uniform Bank Performance Reports, the largest concentration within that area is $22.6 million of loans to political subdivisions, which account for 3.3% 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, 2018, were obligations of states and political subdivisions located in the states of Pennsylvania, Illinois, and Texas. Based on fair market value, the Corporation held $24.2 million of obligations issued by municipalities within the state of Pennsylvania, which is 25.6% of the municipal portfolio, and 8.2% of total debt securities. The Corporation held $18.5 million of obligations issued by municipalities within the state of Illinois, which is 19.5% of the municipal portfolio, and 6.3% of total debt securities. The Corporation also held $17.0 million of obligations of states and political subdivisions issued by municipalities located within the state of Texas, which is 17.9% of the municipal portfolio, and 5.8% 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, 2018, no municipal bonds were below the A3/A- credit ratings the Corporation requires at the time of purchase. The Corporation held $61.1 million of corporate bonds based on amortized cost as of December 31, 2018. As a total, the $61.1 million represents 20.0% of the Corporation’s total debt securities. Management has a policy limit for corporate holdings at 55% of total regulatory capital and 20% of the securities portfolio. The Corporation was under the capital policy limit but at the portoflio policy limit as of December 31, 2018. Management believes shorter corporate bonds currently provide better structure and return than government agencies and mortgage backed securities and CMOs. To limit the Corporation’s credit exposure to any one issuer, the policy limits investment to $3 million of par value per company. Out of the $61.1 million of total corporate securities, $40.0 million is domestic and $21.1 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 Switzerland. 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, $43.2 million, or 70.7%, 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 $43.2 million of financial and brokerage-related corporate issues, $22.0 million is domestic and $21.2 million is foreign. All of the $21.2 million of foreign financial-related corporate paper is in the form of foreign bank-issued debt. Out of the $22.0 million of domestic financial-related debt, $13.1 million is in bank debt and $8.9 million is in brokerage. The remaining $17.9 million of non-financial related corporate paper consists of $5.1 million in energy companies, $4.1 million in insurance companies, $2.5 million in consumer goods, $2.1 million in real estate companies, $2.1 million in healthcare, and $2.0 million in biotechnology. 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, 2018, all of the Corporation’s corporate bonds carried at least one single A credit rating of A3 by Moody’s or A- by S&P, and all were considered investment grade.

FAIR VALUE MEASUREMENTS

FAIR VALUE MEASUREMENTS	12 Months Ended
	Dec. 31, 2018
Fair Value Disclosures [Abstract]
FAIR VALUE MEASUREMENTS	NOTE Q - FAIR VALUE MEASUREMENTS U.S. generally accepted accounting principles establish a hierarchal disclosure framework associated with the level of observable pricing utilized in measuring assets and liabilities at fair value. The three broad levels defined by the hierarchy 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: Assets and liabilities that have little to no observable pricing as of the reported date. These items do not have two-way markets and are measured using management’s best estimate of fair value, where the inputs into the determination of fair value require significant management judgement or estimation. This hierarchy requires the use of observable market data when available. The following tables provide the fair market value for assets required to be measured and reported at fair value on a recurring basis on the Consolidated Balance Sheets as of December 31, 2018 and December 31, 2017, by level within the fair value hierarchy. As required by U.S. generally accepted accounting principles, 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 ON A RECURRING BASIS (DOLLARS IN THOUSANDS) December 31, 2018 Level I Level II Level III Total $ $ $ $ U.S. government agencies — 30,120 — 30,120 U.S. agency mortgage-backed securities — 44,639 — 44,639 U. S. agency collateralized mortgage obligations — 54,090 — 54,090 Asset-backed securities — 11,399 — 11,399 Corporate bonds — 59,192 — 59,192 Obligations of states and political subdivisions — 94,625 — 94,625 Marketable equity securities 5,934 — — 5,934 Total securities 5,934 294,065 — 299,999 On December 31, 2018, 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, 2018, the CRA fund investments had a $5,410,000 book and market value and the bank stocks had a book value of $591,000 and a market value of $524,000. 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. ASSETS REPORTED AT FAIR VALUE ON A RECURRING BASIS (DOLLARS IN THOUSANDS) December 31, 2017 Level I Level II Level III Total $ $ $ $ U.S. government agencies — 34,352 — 34,352 U.S. agency mortgage-backed securities — 52,073 — 52,073 U. S. agency collateralized mortgage obligations — 54,641 — 54,641 Corporate bonds — 60,769 — 60,769 Obligations of states and political subdivisions — 112,242 — 112,242 Marketable equity securities 5,584 — — 5,584 Total securities 5,584 314,077 — 319,661 On December 31, 2017, 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, 2017, the CRA fund investments had a $5,280,000 book and market value and the bank stocks had a book value of $267,000 and a market value of $303,000. The following table provides the fair value for each class of assets required to be measured and reported at fair value on a nonrecurring basis on the Consolidated Balance Sheets as of December 31, 2018 and December 31, 2017, by level within the fair value hierarchy: ASSETS MEASURED ON A NONRECURRING BASIS (DOLLARS IN THOUSANDS) December 31, 2018 Level I Level II Level III Total $ $ $ $ Assets: Impaired Loans — — 2,577 2,577 Total — — 2,577 2,577 December 31, 2017 Level I Level II Level III Total $ $ $ $ Assets: Impaired Loans — — 1,812 1,812 Total — — 1,812 1,812 The Corporation had a total of $2,709,000 of impaired loans as of December 31, 2018, with $132,000 of specific allocation against these loans. As of December 31, 2017, the Corporation had a total of $1,812,000 of impaired loans with no specific allocation against these loans. The value of impaired loans is generally determined through independent appraisals of the underlying collateral. 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, 2018 Fair Value Valuation Unobservable Range Estimate Techniques Input (Weighted Avg) Impaired loans 2,577 Appraisal of collateral (1) Appraisal adjustments (2) 0% to -20% (-20%) Liquidation expenses (2) 0% to -10% (-10%) December 31, 2017 Fair Value Valuation Unobservable Range Estimate Techniques Input (Weighted Avg) Impaired loans 1,812 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, 2018
Disclosures About Fair Value Of Financial Instruments
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS	NOTE R - DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS The following tables provide the carrying amount for each class of assets and liabilities and the fair value for certain financial instruments that are not required to be measured or reported at fair value on the Corporation's Consolidated Balance Sheets as of December 31, 2018 and December 31, 2017: FINANCIAL INSTRUMENTS NOT REQUIRED TO BE MEASURED OR REPORTED AT FAIR VALUE (DOLLARS IN THOUSANDS) December 31, 2018 Quoted Prices in Active Markets Significant Other Significant for Identical Observable Unobservable Carrying Assets Inputs Inputs Amount Fair Value (Level 1) (Level II) (Level III) $ $ $ $ $ Financial Assets: Cash and Cash equivalents 41,365 41,365 41,365 — — Regulatory Stock 6,348 6,348 6,348 — — Loans held for sale 1,429 1,429 1,429 — — Loans, net of allowance 685,407 687,844 — — 687,844 Mortgage servicing assets 905 997 — — 997 Accrued interest recievable 3,754 3,754 3,754 — — Bank owned life insurance 28,085 28,085 28,085 — — Financial Liabilities: Demand deposits 369,081 369,081 369,081 — — Interest-bearing demand deposits 20,104 20,104 20,104 — — NOW accounts 89,072 89,072 89,072 — — Money market deposit accounts 108,594 108,594 108,594 — — Savings accounts 199,665 199,665 199,665 — — Time deposits 133,218 132,351 — — 132,351 Total deposits 919,734 918,867 786,516 — 132,351 Short-term borrowings 7,870 7,870 7,870 — — Long-term debt 65,386 65,286 — — 65,286 Accrued interest payable 397 397 397 — — FINANCIAL INSTRUMENTS NOT REQUIRED TO BE MEASURED OR REPORTED AT FAIR VALUE (DOLLARS IN THOUSANDS) December 31, 2017 Quoted Prices in Active Markets Significant Other Significant for Identical Observable Unobservable Carrying Assets Inputs Inputs Amount Fair Value (Level 1) (Level II) (Level III) $ $ $ $ $ Financial Assets: Cash and cash equivalents 53,073 53,073 53,073 — — Regulatory stock 5,794 5,794 5,794 — — Loans held for sale 2,892 2,892 2,892 — — Loans, net of allowance 589,313 590,415 — — 590,415 Mortgage servicing assets 661 751 — — 751 Accrued interest receivable 3,684 3,684 3,684 — — Bank owned life insurance 27,814 27,814 27,814 — — Financial Liabilities: Demand deposits 314,917 314,917 314,917 — — Interest-bearing demand deposits 20,230 20,230 20,230 — — NOW accounts 86,758 86,758 86,758 — — Money market deposit accounts 105,994 105,994 105,994 — — Savings accounts 189,169 189,169 189,169 — — Time deposits 149,409 150,165 — — 150,165 Total deposits 866,477 867,233 717,068 — 150,165 Long-term debt 65,850 65,850 — — 65,850 Accrued interest payable 385 385 385 — —

ACCUMULATED OTHER COMPREHENSIVE

ACCUMULATED OTHER COMPREHENSIVE LOSS	12 Months Ended
	Dec. 31, 2018
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
ACCUMULATED OTHER COMPREHENSIVE LOSS	NOTE S – ACCUMULATED OTHER COMPREHENSIVE LOSS The activity in accumulated other comprehensive loss for the years ended December 31, 2018 and 2017 is as follows: ACCUMULATED OTHER COMPRENHENSIVE LOSS (1) (2) (DOLLARS IN THOUSANDS) Unrealized Gains(Losses) on Securities Available-for-Sale $ Balance at January 1, 2018 (3,195 ) Other comprehensive loss before reclassifications (2,075 ) Amount reclassified from accumulated other comprehensive loss 226 Reclassification of certain income tax effects from accumulated other comprehensive income (loss) (634 ) Period change (2,483 ) Balance at December 31, 2018 (5,678 ) Balance at January 1, 2017 (4,885 ) Other comprehensive income before reclassification 2,135 Amount reclassified from accumulated other comprehensive loss (445 ) Period change 1,690 Balance at December 31,2017 (3,195 ) (1) All amounts are net of tax. Related income tax expense or benefits is calculated using a Federal income tax rate of 21%. (2) Amounts in parentheses indicate debits. DETAILS ABOUT ACCUMULATED OTHER COMPREHENSIVE LOSS COMPONENTS (1) (DOLLARS IN THOUSANDS) Amount Reclassified from Accumulated Other Comprehensive (Loss) For the Year Ended December 31, Affected Line Item 2018 2017 in the Consolidated $ $ Statements of Income Securities available-for sale: Net securities (losses) gains reclassified into earnings (286 ) 675 Gains (loses) on securities transactions, net Related income tax expense 60 (230 ) Provision for federal income taxes Net effect on accumulated other comprehensive loss for the period (226 ) 445 Total reclassifications for the period (226 ) 445 (1) Amounts in parentheses indicate debits.

CONDENSED PARENT ONLY DATA

CONDENSED PARENT ONLY DATA	12 Months Ended
	Dec. 31, 2018
Condensed Financial Information Disclosure [Abstract]
CONDENSED PARENT ONLY DATA	NOTE T – CONDENSED PARENT ONLY DATA Condensed Balance Sheets (Parent Company Only) (DOLLARS IN THOUSANDS) December 31, 2018 2017 $ $ Assets Cash 861 1,187 Equity securities 524 304 Equity in bank subsidiary 101,311 98,184 Other assets 106 84 Total assets 102,802 99,759 Stockholders' Equity Common stock 574 574 Capital surplus 4,435 4,415 Retained earnings 104,067 98,629 Accumulated other comprehensive loss, net of tax (5,678 ) (3,195 ) Treasury stock (596 ) (664 ) Total stockholders' equity 102,802 99,759 Condensed Statements of Comprehensive Income (DOLLARS IN THOUSANDS) Year Ended December 31, 2018 2017 $ $ Income Dividend income - investment securities 13 10 Gains (losses) on securities transactions (5 ) 57 Dividend income 3,282 3,190 Undistributed earnings of bank subsidiary 6,614 3,228 Total income 9,904 6,485 Expense Shareholder expenses 132 120 Other expenses 23 21 Total expense 155 141 Net Income 9,749 6,344 Comprehensive Income 7,900 8,034 Condensed Statements of Cash Flows (DOLLARS IN THOUSANDS) Year Ended December 31, 2018 2017 Cash Flows from Operating Activities: $ $ Net Income 9,749 6,344 Equity in undistributed earnings of subsidiaries (6,614 ) (3,228 ) Gains on securities transactions, net 5 (57 ) Net change in other assets (1 ) (30 ) Net cash provided by operating activities 3,139 3,029 Cash Flows from Investing Activities: Proceeds from sales of equity securities 277 150 Purchases of equity securities (548 ) (134 ) Net cash provided by (used for) investing activities (271 ) 16 Cash Flows from Financing Activities: Proceeds from issuance of treasury stock 551 544 Payment to repurchase common stock (463 ) (568 ) Dividends paid (3,282 ) (3,190 ) Net cash used for financing activities (3,194 ) (3,214 ) Cash and Cash Equivalents: Net change in cash and cash equivalents (326 ) (169 ) Cash and cash equivalents at beginning of period 1,187 1,356 Cash and cash equivalents at end of period 861 1,187

SUMMARY OF QUARTERLY FINANCIAL

SUMMARY OF QUARTERLY FINANCIAL DATA (UNAUDITED)	12 Months Ended
	Dec. 31, 2018
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) 2018 1st Qtr 2nd Qtr 3rd Qtr 4th Qtr $ $ $ $ Interest income 8,524 8,897 9,348 9,729 Interest expense 774 842 872 886 Net interest income 7,750 8,055 8,476 8,843 Less provision for loan losses 190 90 190 190 Net interest income after provision for loan losses 7,560 7,965 8,286 8,653 Other income 3,380 2,628 2,787 2,242 Operating expenses: Salaries and employee benefits 4,960 5,221 5,197 4,862 Occupancy and equipment expenses 951 893 920 840 Other operating expenses 1,973 2,053 1,954 2,622 Total operating expenses 7,884 8,167 8,071 8,324 Income before income taxes 3,056 2,426 3,002 2,571 Provision for Federal income taxes 235 300 425 346 Net income 2,821 2,126 2,577 2,225 FINANCIAL RATIOS Per share data: Net income 0.99 0.74 0.90 0.78 Cash dividends paid 0.28 0.29 0.29 0.29 2017 1st Qtr 2nd Qtr 3rd Qtr 4th Qtr $ $ $ $ Interest income 7,982 8,213 8,444 8,478 Interest expense 702 731 754 752 Net interest income 7,280 7,482 7,690 7,726 Less provision for loan losses 90 120 240 490 Net interest income after provision for loan losses 7,190 7,362 7,450 7,236 Other income 2,412 2,512 2,622 2,775 Operating expenses: Salaries and employee benefits 4,719 4,811 4,840 4,970 Occupancy and equipment expenses 881 902 923 873 Other operating expenses 1,918 2,002 1,884 2,154 Total operating expenses 7,518 7,715 7,647 7,997 Income before income taxes 2,084 2,159 2,425 2,014 Provision for Federal income taxes 257 287 391 1,403 Net income 1,827 1,872 2,034 611 FINANCIAL RATIOS Per share data: Net income 0.64 0.66 0.71 0.21 Cash dividends paid 0.28 0.28 0.28 0.28

SUMMARY OF SIGNIFICANT ACCOUN_2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 2018
Accounting Policies [Abstract]
Nature of Operations	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 full-service office locations.
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	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 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. Commercial real estate lending is highly impacted by the value of collateral so these commercial loans carry a higher qualitative factor for changes in collateral value. While the Corporation’s CRE loans have performed well historically, other commercial loans and commercial mortgage 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. Of particular focus currently is the dairy component of the Corporation’s agricultural loans. The decline in milk prices continues to put financial pressure on these operations and management has increased qualitative factors over the year to reflect this. 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.
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. 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 residential real estate loans the Corporation will seek 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 $333,000 as of December 31, 2018, and $317,000 as of December 31, 2017. 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, 2018, or December 31, 2017.
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 $905,000 of MSRs as of December 31, 2018, compared to $661,000 as of December 31, 2017. Management expects MSRs to continue to grow as a result of the 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. The following chart provides the activity of the Corportation’s mortgage servicing rights for the years ended December 31, 2018 and 2017. MORTGAGE SERVICING RIGHTS (DOLLARS IN THOUSANDS) December 31, 2018 2017 $ $ Beginning Balance 661 410 Additions 315 290 Amortization (52 ) (27 ) Disposals (19 ) (12 ) Ending Balance 905 661
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 $28,085,000 and $27,814,000 as of December 31, 2018, and 2017, respectively. The increase in BOLI cash surrender value was primarily due to normal appreciation of existing 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, 2018 and 2017 were $773,000 and $698,000, 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	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.
Revenue from Contracts with Customers	Revenue from Contracts with Customers The Company records revenue from contracts with customers in accordance with Accounting Standards Topic 606, Revenue from Contracts with Customers (Topic 606). The Corporation’s primary sources of revenue are derived from interest and dividends earned on loans, investment securities, and other financial instruments that are not within the scope of Topic 606. The Corporation has evaluated the nature of its contracts with customers and determined that further disaggregation of revenue from contracts with customers into more granular categories beyond what is presented in the Consolidated Statements of Income was not necessary. The Corporation generally fully satisfies its performance obligations on its contracts with customers as services are rendered and the transaction prices are typically fixed; charged either on a periodic basis or based on activity. Because performance obligations are satisfied as services are rendered and the transaction prices are fixed, there is little judgment involved in applying Topic 606 that significantly affects the determination of the amount and timing of revenue from contracts with customers.
Financial Instruments	Financial Instruments In January 2016, the FASB issued ASU 2016-01, Financial Instruments – Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities ASU 2016-01 was effective for the Corporation on January 1, 2018, and resulted in separate classification of equity securities previously included in available for sale securities on the consolidated balance sheets with changes in the fair value of the equity securities captured in the consolidated statements of income. See Note B – Securities for disclosures related to equity securities. Adoption of the standard also resulted in the use of an exit price rather than an entrance price to determine the fair value of loans not measured at fair value on a non-recurring basis in the consolidated balance sheets. See Note R – Fair Value Presentation for further information regarding the valuation of these loans.
Nonrefundable Fees and Other Costs	Nonrefundable Fees and Other Costs In March 2017, the FASB issued ASU 2017-08, Receivables – Nonrefundable Fees and Other Costs (Subtopic 310-20).
Reporting Comprehensive Income	Reporting Comprehensive Income In February 2018, the FASB issued ASU 2018-02, Income Statement – Reporting Comprehensive Income (Topic 220)
Recently Issued Accounting Standards	Recently Issued Accounting Standards ASU 2016-02, “Leases (Topic 842).” ASU 2016-02 will, among other things, require lessees to recognize a lease liability, which is a lessee's obligation to make lease payments arising from a lease, measured on a discounted basis; and a right-of-use asset, which is an asset that represents the lessee’s right to use, or control the use of, a specified asset for the lease term. ASU 2016-02 does not significantly change lease accounting requirements applicable to lessors; however, certain changes were made to align, where necessary, lessor accounting with the lessee accounting model and ASC Topic 606, “Revenue from Contracts with Customers “Leases (Topic 842) - Targeted Improvements,” ASU 2018-20, “Leases (Topic 842) - Narrow-Scope Improvements for Lessors,” In June 2016, the FASB issued ASU 2016-13, Financial Instruments - Credit Losses: Measurement of Credit Losses on Financial Instruments In February 2018, the FASB issued ASU 2018-03, Technical Corrections and Improvements to Financial Instruments—Overall (Subtopic 825-10) Fair Value Measurement Derivatives and Hedging—Embedded Derivatives Financial Instruments—Overall Financial Services— Insurance ASU 2018-04, Investments – Debt Securities (Topic 320) Regulated Operations (Topic 980) - Amendments to SEC Paragraphs Pursuant to SEC Staff Accounting Bulletin No. 117 and SEC Release No. 33-9273, ASU 2018-05, Income Taxes (Topic 740) - Amendments to SEC Paragraphs Pursuant to SEC Staff Accounting Bulletin (SAB) No. 118, In May 2018, the FASB issued ASU 2018-06, Codification Improvements to Topic 942, Financial Services – Depository and Lending Accounting for Net Deferred Tax Charges In July 2018, the FASB issued ASU 2018-09, Codification Improvements In August 2018, the FASB issued ASU 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework – Changes the Disclosure Requirements for Fair Value Measurements In November, 2018, the FASB issued ASU 2018-18, Collaborative Arrangements (Topic 808) For public business entities, the amendments in this Update are effective for fiscal years beginning after December 15, 2019, and interim periods within those fiscal years. For all other entities, the amendments are

SECURITIES (Tables)

SECURITIES (Tables)	12 Months Ended
	Dec. 31, 2018
Investments, Debt and Equity Securities [Abstract]
Schedule of amortized cost and fair value of securities	The amortized cost and fair value of debt securities held at December 31, 2018, and 2017, are as follows: Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value $ $ $ $ December 31, 2018 U.S. government agencies 31,025 5 (910 ) 30,120 U.S. agency mortgage-backed securities 46,363 2 (1,726 ) 44,639 U.S. agency collateralized mortgage obligations 55,182 74 (1,166 ) 54,090 Asset-backed securities 11,440 — (41 ) 11,399 Corporate bonds 61,085 — (1,893 ) 59,192 Obligations of states and political subdivisions 96,157 69 (1,601 ) 94,625 Total securities available for sale 301,252 150 (7,337 ) 294,065 December 31, 2017 U.S. government agencies 35,101 — (749 ) 34,352 U.S. agency mortgage-backed securities 52,981 8 (916 ) 52,073 U.S. agency collateralized mortgage obligations 55,493 46 (898 ) 54,641 Corporate bonds 61,334 24 (589 ) 60,769 Obligations of states and political subdivisions 114,047 242 (2,047 ) 112,242 Total securities available for sale 318,956 320 (5,199 ) 314,077
Schedule of contractual maturity of debt securities	The amortized cost and fair value of debt securities available for sale at December 31, 2018, 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 14,908 14,549 Due after one year through five years 140,318 136,151 Due after five years through ten years 33,962 33,144 Due after ten years 112,064 110,221 Total debt securities 301,252 294,065
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 2018 2017 $ $ Proceeds from sales 57,660 80,508 Gross realized gains 130 889 Gross realized losses 416 271
Schedule of securities in an unrealized loss position (temporary impairment)	Information pertaining to securities with gross unrealized losses at December 31, 2018, and December 31, 2017, 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, 2018 U.S. government agencies — — 28,116 (910 ) 28,116 (910 ) U.S. agency mortgage-backed securities — — 42,041 (1,726 ) 42,041 (1,726 ) U.S. agency collateralized mortgage obligations 8,055 (85 ) 40,735 (1,081 ) 48,790 (1,166 ) Asset-backed securities 5,563 (41 ) — — 5,563 (41 ) Corporate bonds 20,228 (455 ) 38,964 (1,438 ) 59,192 (1,893 ) Obligations of states & political subdivisions 12,367 (104 ) 68,982 (1,497 ) 81,349 (1,601 ) Total temporarily impaired securities 46,213 (685 ) 218,838 (6,652 ) 265,051 (7,337 ) As of December 31, 2017 U.S. government agencies 9,941 (59 ) 24,411 (690 ) 34,352 (749 ) U.S. agency mortgage-backed securities 10,326 (78 ) 37,123 (838 ) 47,449 (916 ) U.S. agency collateralized mortgage obligations 29,551 (280 ) 20,980 (618 ) 50,531 (898 ) Corporate bonds 38,543 (282 ) 15,019 (307 ) 53,562 (589 ) Obligations of states & political subdivisions 15,188 (142 ) 68,278 (1,905 ) 83,466 (2,047 ) Total temporarily impaired securities 103,549 (841 ) 165,811 (4,358 ) 269,360 (5,199 )
Schedule of unrealized gains and losses, and fair value of equity securities	The following tables summarizes the amortized cost, gross unrealized gains and losses, and fair value of equity securities held at December 31, 2018 and December 31, 2017. Gross Gross (DOLLARS IN THOUSANDS) Amortized Unrealized Unrealized Fair Cost Gains Losses Value $ $ $ $ December 31, 2018 CRA-qualified mutual funds 5,410 — — 5,410 Bank stocks 591 — (67 ) 524 Total equity securities 6,001 — (67 ) 5,934 Gross Gross (DOLLARS IN THOUSANDS) Amortized Unrealized Unrealized Fair Cost Gains Losses Value $ $ $ $ December 31, 2017 CRA-qualified mutual funds 5,280 — — 5,280 Bank stocks 268 36 — 304 Total equity securities 5,548 36 — 5,584
Schedule of unrealized gains and losses	The following table presents the net gains and losses on the Corporation’s equity investments recognized in earnings during the year ended December 31, 2018, and the portion of unrealized gains and losses for the periods that relates to equity investments held as of December 31, 2018. NET GAINS AND LOSSES ON EQUITY INVESTMENTS RECOGNIZED IN EARNINGS (DOLLARS IN THOUSANDS) Year Ended December 31, 2018 $ Net gains (losses) recognized in equity securities during the period (5 ) Less: Net gains (losses) realized on the sale of equity securities during the period 53 Unrealized gains (losses) recognized in equity securities held at reporting date (58 )

LOANS AND ALLOWANCE FOR LOAN _2

LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)	12 Months Ended
	Dec. 31, 2018
Receivables [Abstract]
Schedule of loan portfolio by category	The following table presents the Corporation’s loan portfolio by category of loans for 2018 and 2017. LOAN PORTFOLIO (DOLLARS IN THOUSANDS) December 31, 2018 2017 $ $ Commercial real estate Commercial mortgages 101,419 90,072 Agriculture mortgages 165,926 152,050 Construction 18,092 18,670 Total commercial real estate 285,437 260,792 Consumer real estate (a) 1-4 family residential mortgages 219,037 176,971 Home equity loans 10,271 11,181 Home equity lines of credit 64,413 61,104 Total consumer real estate 293,721 249,256 Commercial and industrial Commercial and industrial 61,043 41,426 Tax-free loans 22,567 20,722 Agriculture loans 20,512 18,794 Total commercial and industrial 104,122 80,942 Consumer 9,197 5,320 Gross loans prior to deferred costs and allowance for loan losses 692,477 596,310 Deferred loan costs, net 1,596 1,243 Allowance for loan losses (8,666 ) (8,240 ) Total net loans 685,407 589,313 (a) Real estate loans serviced for others, which are not included in the Consolidated Balance Sheets, totaled $126,916,000 and $98,262,000 as of December 31, 2018, and 2017, 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, 2018 Mortgages Mortgages Construction Industrial Loans Loans Total $ $ $ $ $ $ $ Grade: Pass 99,013 154,132 17,567 59,348 22,367 19,487 371,914 Special Mention 176 3,478 525 518 200 453 5,350 Substandard 2,230 8,316 — 1,177 — 572 12,295 Doubtful — — — — — — — Loss — — — — — — — Total 101,419 165,926 18,092 61,043 22,567 20,512 389,559 COMMERCIAL CREDIT EXPOSURE CREDIT RISK PROFILE BY INTERNALLY ASSIGNED GRADE (DOLLARS IN THOUSANDS) Commercial Commercial Agriculture and Tax-free Agriculture December 31, 2017 Mortgages Mortgages Construction Industrial Loans Loans Total $ $ $ $ $ $ $ Grade: Pass 86,259 143,037 17,670 37,947 20,514 17,798 323,225 Special Mention 160 3,873 — 1,015 208 270 5,526 Substandard 3,653 5,140 1,000 2,464 — 726 12,983 Doubtful — — — — — — — Loss — — — — — — — Total 90,072 152,050 18,670 41,426 20,722 18,794 341,734 CONSUMER CREDIT EXPOSURE CREDIT RISK PROFILE BY PAYMENT PERFORMANCE (DOLLARS IN THOUSANDS) 1-4 Family Home Equity December 31, 2018 Residential Home Equity Lines of Mortgages Loans Credit Consumer Total Payment performance: $ $ $ $ $ Performing 218,641 10,271 64,413 9,196 302,521 Non-performing 396 — — 1 397 Total 219,037 10,271 64,413 9,197 302,918 CONSUMER CREDIT EXPOSURE CREDIT RISK PROFILE BY PAYMENT PERFORMANCE (DOLLARS IN THOUSANDS) 1-4 Family Home Equity December 31, 2017 Residential Home Equity Lines of Mortgages Loans Credit Consumer Total Payment performance: $ $ $ $ $ Performing 176,576 11,181 61,074 5,305 254,136 Non-performing 395 — 30 15 440 Total 176,971 11,181 61,104 5,320 254,576
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, 2018 and 2017: AGING OF LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Loans Greater Receivable > 30-59 Days 60-89 Days than 90 Total Past Total Loans 90 Days and December 31, 2018 Past Due Past Due Days Due Current Receivable Accruing $ $ $ $ $ $ $ Commercial real estate Commercial mortgages — — 237 237 101,182 101,419 — Agriculture mortgages 326 — 816 1,142 164,784 165,926 — Construction — — — — 18,092 18,092 — Consumer real estate 1-4 family residential mortgages 455 201 396 1,052 217,985 219,037 396 Home equity loans 62 35 — 97 10,174 10,271 — Home equity lines of credit 95 — — 95 64,318 64,413 — Commercial and industrial Commercial and industrial 24 — — 24 61,019 61,043 — Tax-free loans — — — — 22,567 22,567 — Agriculture loans 118 — — 118 20,394 20,512 — Consumer 10 15 1 26 9,171 9,197 1 Total 1,090 251 1,450 2,791 689,686 692,477 397 AGING OF LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Loans December 31, 2017 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 — — 372 372 89,700 90,072 — Agriculture mortgages — — — — 152,050 152,050 — Construction — — — — 18,670 18,670 — Consumer real estate 1-4 family residential mortgages 533 248 395 1,176 175,795 176,971 395 Home equity loans 40 — — 40 11,141 11,181 — Home equity lines of credit — — 30 30 61,074 61,104 30 Commercial and industrial Commercial and industrial 65 109 — 174 41,252 41,426 — Tax-free loans — — — — 20,722 20,722 — Agriculture loans — — — — 18,794 18,794 — Consumer 8 3 15 26 5,294 5,320 15 Total 646 360 812 1,818 594,492 596,310 440
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) 2018 2017 $ $ Commercial real estate Commercial mortgages 1,017 393 Agriculture mortgages 816 — Construction — — Consumer real estate 1-4 family residential mortgages — — Home equity loans — — Home equity lines of credit — — Commercial and industrial Commercial and industrial — — Tax-free loans — — Agriculture loans — — Consumer — — Total 1,833 393
Schedule of impaired loans	The following table summarizes information in regards to impaired loans by loan portfolio class as of December 31, 2018: IMPAIRED LOAN ANALYSIS (DOLLARS IN THOUSANDS) Recorded Unpaid Related Average Interest $ $ $ $ $ With no related allowance recorded: Commercial real estate Commercial mortgages 370 901 — 396 — Agriculture mortgages 1,692 1,692 — 1,063 45 Construction — — — — — Total commercial real estate 2,062 2,593 — 1,459 45 Commercial and industrial Commercial and industrial — — — — — Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial — — — — — Total with no related allowance 2,062 2,593 — 1,459 45 With an allowance recorded: Commercial real estate Commercial mortgages 647 694 132 484 — Agriculture mortgages — — — — — Construction — — — — — Total commercial real estate 647 694 132 484 — Commercial and industrial Commercial and industrial — — — — — Tax-free loans — — — — — Agriculture loans — — — 124 6 Total commercial and industrial — — — 124 6 Total with a related allowance 647 694 132 608 6 Total by loan class: Commercial real estate Commercial mortgages 1,017 1,595 132 880 — Agriculture mortgages 1,692 1,692 — 1,063 45 Construction — — — — — Total commercial real estate 2,709 3,287 132 1,943 45 Commercial and industrial Commercial and industrial — — — — — Tax-free loans — — — — — Agriculture loans — — — 124 6 Total commercial and industrial — — — 124 6 Total 2,709 3,287 132 2,067 51 The following table summarizes information in regards to impaired loans by loan portfolio class as of December 31, 2017: IMPAIRED LOAN ANALYSIS (DOLLARS IN THOUSANDS) Recorded Unpaid Related Average Interest $ $ $ $ $ With no related allowance recorded: Commercial real estate Commercial mortgages 393 690 — 585 4 Agriculture mortgages 1,174 1,174 — 1,210 54 Construction — — — — — Total commercial real estate 1,567 1,864 — 1,795 58 Commercial and industrial Commercial and industrial — — — — — Tax-free loans — — — — — Agriculture loans 245 245 — 163 7 Total commercial and industrial 245 245 — 163 7 Total with no related allowance 1,812 2,109 — 1,958 65 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 393 690 — 585 4 Agriculture mortgages 1,174 1,174 — 1,210 54 Construction — — — — — Total commercial real estate 1,567 1,864 — 1,795 58 Commercial and industrial Commercial and industrial — — — — — Tax-free loans — — — — — Agriculture loans 245 245 — 163 7 Total commercial and industrial 245 245 — 163 7 Total 1,812 2,109 — 1,958 65
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, 2018: 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 3,863 2,052 1,829 98 398 8,240 Charge-offs (223 ) (20 ) (110 ) (27 ) — (380 ) Recoveries 72 — 66 8 — 146 Provision (credit) 584 376 (357 ) 24 33 660 Ending balance 4,296 2,408 1,428 103 431 8,666 Ending balance: individually evaluated for impairment 132 — — — — 132 Ending balance: collectively evaluated for impairment 4,164 2,408 1,428 103 431 8,534 Loans receivable: Ending balance 285,437 293,721 104,122 9,197 692,477 Ending balance: individually evaluated for impairment 2,709 — — — 2,709 Ending balance: collectively evaluated for impairment 282,728 293,721 104,122 9,197 689,768 The following table details activity in the allowance for loan losses by portfolio segment for the year ended December 31, 2017: 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 3,795 1,652 1,552 82 481 7,562 Charge-offs (200 ) — (89 ) (28 ) — (317 ) Recoveries — 20 24 11 — 55 Provision (credit) 268 380 342 33 (83 ) 940 Ending balance 3,863 2,052 1,829 98 398 8,240 Ending balance: individually evaluated for impairment — — — — — — Ending balance: collectively evaluated for impairment 3,863 2,052 1,829 98 398 8,240 Loans receivable: Ending balance 260,792 249,256 80,942 5,320 596,310 Ending balance: individually evaluated for impairment 1,567 — 245 — 1,812 Ending balance: collectively evaluated for impairment 259,225 249,256 80,697 5,320 594,498

PREMISES AND EQUIPMENT (Tables)

PREMISES AND EQUIPMENT (Tables)	12 Months Ended
	Dec. 31, 2018
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, 2018 2017 $ $ Land 5,043 5,043 Buildings and improvements 29,302 26,424 Furniture and equipment 14,592 13,510 Construction in process 133 2,773 Total 49,070 47,750 Less accumulated depreciation (23,519 ) (22,063 ) Premises and equipment 25,551 25,687

DEPOSITS (Tables)

DEPOSITS (Tables)	12 Months Ended
	Dec. 31, 2018
Deposits:
Schedule of Deposit Liabilities	Deposits by major classifications are summarized as follows: December 31, 2018 2017 $ $ Non-interest bearing demand 369,081 314,917 Interest-bearing demand 20,104 20,230 NOW accounts 89,072 86,758 Money market deposit accounts 108,594 105,994 Savings accounts 199,665 189,169 Time deposits under $250,000 127,300 143,073 Time deposits of $250,000 or more 5,918 6,336 Total deposits 919,734 866,477
Maturities of time deposits	At December 31, 2018, the scheduled maturities of time deposits are as follows: 2019 57,063 2020 31,771 2021 23,646 2022 11,234 2023 9,504 Total 133,218

SHORT TERM BORROWINGS (Tables)

SHORT TERM BORROWINGS (Tables)	12 Months Ended
	Dec. 31, 2018
Short-term Debt [Abstract]
Schedule of Short-term borrowings	A summary of short-term borrowings is as follows for the years ended December 31, 2018 and 2017: 2018 2017 $ $ Total short-term borrowings outstanding at year end 7,870 — Average interest rate at year end 2.60% — Maximum outstanding at any month end 17,322 28,674 Average amount outstanding for the year 5,332 7,331 Weighted-average interest rate for the year 1.88% 0.75%

OTHER BORROWED FUNDS (Tables)

OTHER BORROWED FUNDS (Tables)	12 Months Ended
	Dec. 31, 2018
Long-term Debt, Unclassified [Abstract]
Schedule of Federal Home Loan Bank Advances by Maturity	Maturities of other borrowings at December 31, 2018, and 2017, are summarized as follows: December 31, 2018 2017 Weighted- Weighted- Average Average Amount Rate Amount Rate $ % $ % FHLB fixed rate loans 2018 — — 14,625 1.25 2019 12,237 1.53 12,237 1.53 2020 16,340 1.85 10,677 1.59 2021 14,505 1.72 14,505 1.72 2022 15,804 1.84 13,806 1.72 2023 6,500 2.93 — — Total other borrowings 65,386 1.87 65,850 1.56

INCOME TAXES (Tables)

INCOME TAXES (Tables)	12 Months Ended
	Dec. 31, 2018
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, 2018 2017 $ % $ % Income tax at statutory rate 2,322 21.0 2,952 34.0 Tax-exempt interest income (743 ) (6.7 ) (1,620 ) (18.7 ) Non-deductible interest expense 47 0.4 72 0.8 Bank-owned life insurance (344 ) (3.1 ) (234 ) (2.7 ) Other 24 0.2 37 0.4 Change in corporate tax rate — — 1,131 13.1 Income tax expense 1,306 11.8 2,338 26.9
Schedule of Components of Income Tax Expense	Significant components of income tax expense are as follows: (DOLLARS IN THOUSANDS) Year Ended December 31, 2018 2017 $ $ Current tax expense (46 ) 842 Deferred tax expense (benefit) 1,352 365 Change in corporate tax rate — 1,131 Income tax expense 1,306 2,338
Schedule of Deferred Tax Assets and Liabilities	Components of the Corporation's net deferred tax position are as follows: (DOLLARS IN THOUSANDS) December 31, 2018 2017 $ $ Deferred tax assets Allowance for loan losses 1,820 2,802 Net unrealized holding losses on securities available for sale 1,523 1,016 Deferred compensation reserve — 44 Tax credit carryforward — 1,158 Allowance for off-balance sheet extensions of credit 70 108 Interest on non-accrual loans 7 174 Other 53 11 Total deferred tax assets 3,473 5,313 Deferred tax liabilities Premises and equipment (1,006 ) (2,670 ) Discount on investment securities (2 ) — Other (198 ) (161 ) Total deferred tax liabilities (1,206 ) (2,831 ) Net deferred tax assets 2,267 2,482

REGULATORY MATTERS AND RESTRI_2

REGULATORY MATTERS AND RESTRICTIONS (Tables)	12 Months Ended
	Dec. 31, 2018
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, 2018 and December 31, 2017, 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, 2018 Total Capital to Risk-Weighted Assets Consolidated 117,479 14.3 73,947 8.0 82,163 10.0 Bank. 115,988 14.1 65,680 8.0 82,100 10.0 Tier I Capital to Risk-Weighted Assets Consolidated 108,480 13.2 49,298 6.0 73,947 8.0 Bank 106,989 13.0 49,260 6.0 65,680 8.0 Common Equity Tier I Capital to Risk-Weighted Assets Consolidated. 108,480 13.2 36,973 4.5 53,406 6.5 Bank 106,989 13.0 36,945 4.5 53,365 6.5 Tier I Capital to Average Assets Consolidated 108,480 10.0 43,519 4.0 54,398 5.0 Bank 106,989 9.8 43,519 4.0 54,398 5.0 As of December 31, 2017 Total Capital to Risk-Weighted Assets Consolidated 111,512 15.0 59,525 8.0 74,406 10.0 Bank 109,961 14.8 59,502 8.0 74,378 10.0 Tier I Capital to Risk-Weighted Assets Consolidated 102,955 13.8 44,644 6.0 59,525 8.0 Bank 101,404 13.6 44,627 6.0 59,502 8.0 Common Equity Tier I Capital to Risk-Weighted Assets Consolidated 102,955 13.8 33,483 4.5 48,364 6.5 Bank 101,404 13.6 33,470 4.5 48,346 6.5 Tier I Capital to Average Assets Consolidated 102,955 10.1 40,971 4.0 51,214 5.0 Bank 101,404 9.9 40,971 4.0 51,214 5.0

TRANSACTIONS WITH DIRECTORS A_2

TRANSACTIONS WITH DIRECTORS AND OFFICERS (Tables)	12 Months Ended
	Dec. 31, 2018
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, 2017 4,453 Advances 3,358 Repayments (2,142 ) Balance, December 31, 2017 5,669 Balance, January 1, 2018 5,669 Advances 2,935 Repayments (3,435 ) Balance, December 31, 2018 5,169

FAIR VALUE MEASUREMENTS (Tables

FAIR VALUE MEASUREMENTS (Tables)	12 Months Ended
	Dec. 31, 2018
Fair Value Disclosures [Abstract]
Schedule of assets measured on a recurring basis	The following tables provide the fair market value for assets required to be measured and reported at fair value on a recurring basis on the Consolidated Balance Sheets as of December 31, 2018 and December 31, 2017, by level within the fair value hierarchy. As required by U.S. generally accepted accounting principles, 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 ON A RECURRING BASIS (DOLLARS IN THOUSANDS) December 31, 2018 Level I Level II Level III Total $ $ $ $ U.S. government agencies — 30,120 — 30,120 U.S. agency mortgage-backed securities — 44,639 — 44,639 U. S. agency collateralized mortgage obligations — 54,090 — 54,090 Asset-backed securities — 11,399 — 11,399 Corporate bonds — 59,192 — 59,192 Obligations of states and political subdivisions — 94,625 — 94,625 Marketable equity securities 5,934 — — 5,934 Total securities 5,934 294,065 — 299,999 ASSETS REPORTED AT FAIR VALUE ON A RECURRING BASIS (DOLLARS IN THOUSANDS) December 31, 2017 Level I Level II Level III Total $ $ $ $ U.S. government agencies — 34,352 — 34,352 U.S. agency mortgage-backed securities — 52,073 — 52,073 U. S. agency collateralized mortgage obligations — 54,641 — 54,641 Corporate bonds — 60,769 — 60,769 Obligations of states and political subdivisions — 112,242 — 112,242 Marketable equity securities 5,584 — — 5,584 Total securities 5,584 314,077 — 319,661
Schedule of assets measured on a nonrecurring basis	The following table provides the fair value for each class of assets required to be measured and reported at fair value on a nonrecurring basis on the Consolidated Balance Sheets as of December 31, 2018 and December 31, 2017, by level within the fair value hierarchy: ASSETS MEASURED ON A NONRECURRING BASIS (DOLLARS IN THOUSANDS) December 31, 2018 Level I Level II Level III Total $ $ $ $ Assets: Impaired Loans — — 2,577 2,577 Total — — 2,577 2,577 December 31, 2017 Level I Level II Level III Total $ $ $ $ Assets: Impaired Loans — — 1,812 1,812 Total — — 1,812 1,812
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, 2018 Fair Value Valuation Unobservable Range Estimate Techniques Input (Weighted Avg) Impaired loans 2,577 Appraisal of collateral (1) Appraisal adjustments (2) 0% to -20% (-20%) Liquidation expenses (2) 0% to -10% (-10%) December 31, 2017 Fair Value Valuation Unobservable Range Estimate Techniques Input (Weighted Avg) Impaired loans 1,812 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 _2

DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)	12 Months Ended
	Dec. 31, 2018
Disclosures About Fair Value Of Financial Instruments Tables Abstract
Schedule of carrying amount and fair value of financial instruments	The following tables provide the carrying amount for each class of assets and liabilities and the fair value for certain financial instruments that are not required to be measured or reported at fair value on the Corporation's Consolidated Balance Sheets as of December 31, 2018 and December 31, 2017: FINANCIAL INSTRUMENTS NOT REQUIRED TO BE MEASURED OR REPORTED AT FAIR VALUE (DOLLARS IN THOUSANDS) December 31, 2018 Quoted Prices in Active Markets Significant Other Significant for Identical Observable Unobservable Carrying Assets Inputs Inputs Amount Fair Value (Level 1) (Level II) (Level III) $ $ $ $ $ Financial Assets: Cash and Cash equivalents 41,365 41,365 41,365 — — Regulatory Stock 6,348 6,348 6,348 — — Loans held for sale 1,429 1,429 1,429 — — Loans, net of allowance 685,407 687,844 — — 687,844 Mortgage servicing assets 905 997 — — 997 Accrued interest recievable 3,754 3,754 3,754 — — Bank owned life insurance 28,085 28,085 28,085 — — Financial Liabilities: Demand deposits 369,081 369,081 369,081 — — Interest-bearing demand deposits 20,104 20,104 20,104 — — NOW accounts 89,072 89,072 89,072 — — Money market deposit accounts 108,594 108,594 108,594 — — Savings accounts 199,665 199,665 199,665 — — Time deposits 133,218 132,351 — — 132,351 Total deposits 919,734 918,867 786,516 — 132,351 Short-term borrowings 7,870 7,870 7,870 — — Long-term debt 65,386 65,286 — — 65,286 Accrued interest payable 397 397 397 — — FINANCIAL INSTRUMENTS NOT REQUIRED TO BE MEASURED OR REPORTED AT FAIR VALUE (DOLLARS IN THOUSANDS) December 31, 2017 Quoted Prices in Active Markets Significant Other Significant for Identical Observable Unobservable Carrying Assets Inputs Inputs Amount Fair Value (Level 1) (Level II) (Level III) $ $ $ $ $ Financial Assets: Cash and cash equivalents 53,073 53,073 53,073 — — Regulatory stock 5,794 5,794 5,794 — — Loans held for sale 2,892 2,892 2,892 — — Loans, net of allowance 589,313 590,415 — — 590,415 Mortgage servicing assets 661 751 — — 751 Accrued interest receivable 3,684 3,684 3,684 — — Bank owned life insurance 27,814 27,814 27,814 — — Financial Liabilities: Demand deposits 314,917 314,917 314,917 — — Interest-bearing demand deposits 20,230 20,230 20,230 — — NOW accounts 86,758 86,758 86,758 — — Money market deposit accounts 105,994 105,994 105,994 — — Savings accounts 189,169 189,169 189,169 — — Time deposits 149,409 150,165 — — 150,165 Total deposits 866,477 867,233 717,068 — 150,165 Long-term debt 65,850 65,850 — — 65,850 Accrued interest payable 385 385 385 — —

ACCUMULATED OTHER COMPREHENSI_2

ACCUMULATED OTHER COMPREHENSIVE LOSS (Tables)	12 Months Ended
	Dec. 31, 2018
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, 2018 and 2017 is as follows: ACCUMULATED OTHER COMPRENHENSIVE LOSS (1) (2) (DOLLARS IN THOUSANDS) Unrealized Gains(Losses) on Securities Available-for-Sale $ Balance at January 1, 2018 (3,195 ) Other comprehensive loss before reclassifications (2,075 ) Amount reclassified from accumulated other comprehensive loss 226 Reclassification of certain income tax effects from accumulated other comprehensive income (loss) (634 ) Period change (2,483 ) Balance at December 31, 2018 (5,678 ) Balance at January 1, 2017 (4,885 ) Other comprehensive income before reclassification 2,135 Amount reclassified from accumulated other comprehensive loss (445 ) Period change 1,690 Balance at December 31,2017 (3,195 ) (1) All amounts are net of tax. Related income tax expense or benefits is calculated using a Federal income tax rate of 21%. (2) Amounts in parentheses indicate debits. DETAILS ABOUT ACCUMULATED OTHER COMPREHENSIVE LOSS COMPONENTS (1) (DOLLARS IN THOUSANDS) Amount Reclassified from Accumulated Other Comprehensive (Loss) For the Year Ended December 31, Affected Line Item 2018 2017 in the Consolidated $ $ Statements of Income Securities available-for sale: Net securities (losses) gains reclassified into earnings (286 ) 675 Gains (loses) on securities transactions, net Related income tax expense 60 (230 ) Provision for federal income taxes Net effect on accumulated other comprehensive loss for the period (226 ) 445 Total reclassifications for the period (226 ) 445 (1) Amounts in parentheses indicate debits.

CONDENSED PARENT ONLY DATA (Tab

CONDENSED PARENT ONLY DATA (Tables)	12 Months Ended
	Dec. 31, 2018
Condensed Financial Information Disclosure [Abstract]
Condensed Balance Sheet	Condensed Balance Sheets (Parent Company Only) (DOLLARS IN THOUSANDS) December 31, 2018 2017 $ $ Assets Cash 861 1,187 Equity securities 524 304 Equity in bank subsidiary 101,311 98,184 Other assets 106 84 Total assets 102,802 99,759 Stockholders' Equity Common stock 574 574 Capital surplus 4,435 4,415 Retained earnings 104,067 98,629 Accumulated other comprehensive loss, net of tax (5,678 ) (3,195 ) Treasury stock (596 ) (664 ) Total stockholders' equity 102,802 99,759
Condensed Statements of Comprehensive Income	Condensed Statements of Comprehensive Income (DOLLARS IN THOUSANDS) Year Ended December 31, 2018 2017 $ $ Income Dividend income - investment securities 13 10 Gains (losses) on securities transactions (5 ) 57 Dividend income 3,282 3,190 Undistributed earnings of bank subsidiary 6,614 3,228 Total income 9,904 6,485 Expense Shareholder expenses 132 120 Other expenses 23 21 Total expense 155 141 Net Income 9,749 6,344 Comprehensive Income 7,900 8,034
Condensed Statements of Cash Flows	Condensed Statements of Cash Flows (DOLLARS IN THOUSANDS) Year Ended December 31, 2018 2017 Cash Flows from Operating Activities: $ $ Net Income 9,749 6,344 Equity in undistributed earnings of subsidiaries (6,614 ) (3,228 ) Gains on securities transactions, net 5 (57 ) Net change in other assets (1 ) (30 ) Net cash provided by operating activities 3,139 3,029 Cash Flows from Investing Activities: Proceeds from sales of equity securities 277 150 Purchases of equity securities (548 ) (134 ) Net cash provided by (used for) investing activities (271 ) 16 Cash Flows from Financing Activities: Proceeds from issuance of treasury stock 551 544 Payment to repurchase common stock (463 ) (568 ) Dividends paid (3,282 ) (3,190 ) Net cash used for financing activities (3,194 ) (3,214 ) Cash and Cash Equivalents: Net change in cash and cash equivalents (326 ) (169 ) Cash and cash equivalents at beginning of period 1,187 1,356 Cash and cash equivalents at end of period 861 1,187

SUMMARY OF QUARTERLY FINANCIA_2

SUMMARY OF QUARTERLY FINANCIAL DATA (Tables)	12 Months Ended
	Dec. 31, 2018
Quarterly Financial Data [Abstract]
Schedule of Quarterly Results of Operations	2018 1st Qtr 2nd Qtr 3rd Qtr 4th Qtr $ $ $ $ Interest income 8,524 8,897 9,348 9,729 Interest expense 774 842 872 886 Net interest income 7,750 8,055 8,476 8,843 Less provision for loan losses 190 90 190 190 Net interest income after provision for loan losses 7,560 7,965 8,286 8,653 Other income 3,380 2,628 2,787 2,242 Operating expenses: Salaries and employee benefits 4,960 5,221 5,197 4,862 Occupancy and equipment expenses 951 893 920 840 Other operating expenses 1,973 2,053 1,954 2,622 Total operating expenses 7,884 8,167 8,071 8,324 Income before income taxes 3,056 2,426 3,002 2,571 Provision for Federal income taxes 235 300 425 346 Net income 2,821 2,126 2,577 2,225 FINANCIAL RATIOS Per share data: Net income 0.99 0.74 0.90 0.78 Cash dividends paid 0.28 0.29 0.29 0.29 2017 1st Qtr 2nd Qtr 3rd Qtr 4th Qtr $ $ $ $ Interest income 7,982 8,213 8,444 8,478 Interest expense 702 731 754 752 Net interest income 7,280 7,482 7,690 7,726 Less provision for loan losses 90 120 240 490 Net interest income after provision for loan losses 7,190 7,362 7,450 7,236 Other income 2,412 2,512 2,622 2,775 Operating expenses: Salaries and employee benefits 4,719 4,811 4,840 4,970 Occupancy and equipment expenses 881 902 923 873 Other operating expenses 1,918 2,002 1,884 2,154 Total operating expenses 7,518 7,715 7,647 7,997 Income before income taxes 2,084 2,159 2,425 2,014 Provision for Federal income taxes 257 287 391 1,403 Net income 1,827 1,872 2,034 611 FINANCIAL RATIOS Per share data: Net income 0.64 0.66 0.71 0.21 Cash dividends paid 0.28 0.28 0.28 0.28

SUMMARY OF SIGNIFICANT ACCOUN_3

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) - USD ($)	1 Months Ended		12 Months Ended
	May 31, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017
Allowances for off-balance sheet extensions of credit			$ 333,000	$ 317,000
Other Real Estate Owned (OREO)
Mortgage Servicing Rights (MSRs)			905,000	661,000
Bank owned life insurance			$ 28,085,000	$ 27,814,000
Employer matching contribution, maximum percentage of employee pay			7.50%	7.50%
Employer matching contribution, matching percentage			2.00%	2.00%
Advertising costs			$ 773,000	$ 698,000
Percentage increase in assets and liabilities			1.00%
Cumulative effect adjustment from accumulated other comprehensive income to retained earnings	$ 634,000	$ 1,700,000
Right-of-use assets and lease liabilities			$ 1,000,000
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] | Non-Elective contribution [Member]
Employee contribution percentage			3.00%
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 (Narrative) (Details

SECURITIES (Narrative) (Details)	Dec. 31, 2018USD ($)item	Dec. 31, 2017USD ($)
Debt Securities, Available-for-sale [Line Items]
Available for sale debt securities pledged or restricted for public funds, par value	$ 58,668,000	$ 64,580,000
Available for sale debt securities pledged or restricted for public funds, fair value	$ 58,914,000	$ 66,157,000
Debt Security Portfolio [Member]
Debt Securities, Available-for-sale [Line Items]
Number of securities considered temporarily impaired | item	181

SECURITIES (Schedule of Amortiz

SECURITIES (Schedule of Amortized Cost and Fair Value of Securities) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Securities Available For Sale
Amortized Cost	$ 301,252	$ 318,956
Gross Unrealized Gains	150	320
Gross Unrealized Losses	(7,337)	(5,199)
Fair Value	294,065	314,077
U.S. Government Agencies [Member]
Securities Available For Sale
Amortized Cost	31,025	35,101
Gross Unrealized Gains	5
Gross Unrealized Losses	(910)	(749)
Fair Value	30,120	34,352
U.S. Agency Mortgage-Backed Securities [Member]
Securities Available For Sale
Amortized Cost	46,363	52,981
Gross Unrealized Gains	2	8
Gross Unrealized Losses	(1,726)	(916)
Fair Value	44,639	52,073
U.S. Agency Collateralized Mortgage Obligations [Member]
Securities Available For Sale
Amortized Cost	55,182	55,493
Gross Unrealized Gains	74	46
Gross Unrealized Losses	(1,166)	(898)
Fair Value	54,090	54,641
Asset-backed Securities [Member]
Securities Available For Sale
Amortized Cost	11,440
Gross Unrealized Gains
Gross Unrealized Losses	(41)
Fair Value	11,399
Corporate Bonds [Member]
Securities Available For Sale
Amortized Cost	61,085	61,334
Gross Unrealized Gains		24
Gross Unrealized Losses	(1,893)	(589)
Fair Value	59,192	60,769
Obligations of States and Political Subdivisions [Member]
Securities Available For Sale
Amortized Cost	96,157	114,047
Gross Unrealized Gains	69	242
Gross Unrealized Losses	(1,601)	(2,047)
Fair Value	$ 94,625	$ 112,242

SECURITIES (Schedule of Contrac

SECURITIES (Schedule of Contractual Maturity of Debt Securities) (Details) $ in Thousands	Dec. 31, 2018USD ($)
Contractual maturity of debt securities, Amortized Cost
Due in one year or less	$ 14,908
Due after one year through five years	140,318
Due after five years through ten years	33,962
Due after ten years	112,064
Total debt securities	301,252
Contractual maturity of debt securities, Fair Value
Due in one year or less	14,549
Due after one year through five years	136,151
Due after five years through ten years	33,144
Due after ten years	110,221
Securities available for sale	$ 294,065

SECURITIES (Schedule of Proceed

SECURITIES (Schedule of Proceeds and Gains and Losses on Securities) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Investments, Debt and Equity Securities [Abstract]
Proceeds from sales	$ 57,660	$ 80,508
Gross realized gains	130	889
Gross realized losses	$ 416	$ 271

SECURITIES (Schedule of Securit

SECURITIES (Schedule of Securities in an Unrealized Loss Position) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Fair Value
Less than 12 months	$ 46,213	$ 103,549
More than 12 months	218,838	165,811
Total	265,051	269,360
Gross Unrealized Losses
Less than 12 months	(685)	(841)
More than 12 months	(6,652)	(4,358)
Total	(7,337)	(5,199)
U.S. Government Agencies [Member]
Fair Value
Less than 12 months		9,941
More than 12 months	28,116	24,411
Total	28,116	34,352
Gross Unrealized Losses
Less than 12 months		(59)
More than 12 months	(910)	(690)
Total	(910)	(749)
U.S. Agency Mortgage-Backed Securities [Member]
Fair Value
Less than 12 months		10,326
More than 12 months	42,041	37,123
Total	42,041	47,449
Gross Unrealized Losses
Less than 12 months		(78)
More than 12 months	(1,726)	(838)
Total	(1,726)	(916)
U.S. Agency Collateralized Mortgage Obligations [Member]
Fair Value
Less than 12 months	8,055	29,551
More than 12 months	40,735	20,980
Total	48,790	50,531
Gross Unrealized Losses
Less than 12 months	(85)	(280)
More than 12 months	(1,081)	(618)
Total	(1,166)	(898)
Asset-backed Securities [Member]
Fair Value
Less than 12 months	5,563
More than 12 months
Total	5,563
Gross Unrealized Losses
Less than 12 months	(41)
More than 12 months
Total	(41)
Corporate Bonds [Member]
Fair Value
Less than 12 months	20,228	38,543
More than 12 months	38,964	15,019
Total	59,192	53,562
Gross Unrealized Losses
Less than 12 months	(455)	(282)
More than 12 months	(1,438)	(307)
Total	(1,893)	(589)
Obligations of States and Political Subdivisions [Member]
Fair Value
Less than 12 months	12,367	15,188
More than 12 months	68,982	68,278
Total	81,349	83,466
Gross Unrealized Losses
Less than 12 months	(104)	(142)
More than 12 months	(1,497)	(1,905)
Total	$ (1,601)	$ (2,047)

SECURITIES (Schedule of Unreali

SECURITIES (Schedule of Unrealized Gains and Losses, and Fair Value of Equity Securities) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	$ 301,252	$ 318,956
Fair Value	294,065	314,077
CRA-qualified mutual fund [Member]
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	5,410	5,280
Gross Unrealized Gains
Gross Unrealized Losses
Fair Value	5,410	5,280
Bank Stock [Member]
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	591	268
Gross Unrealized Gains		36
Gross Unrealized Losses	(67)
Fair Value	524	304
Total equity securities [Member]
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	6,001	5,548
Gross Unrealized Gains		36
Gross Unrealized Losses	(67)
Fair Value	$ 5,934	$ 5,584

SECURITIES (Schedule of Unrea_2

SECURITIES (Schedule of Unrealized Gains and Losses) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2018USD ($)
Investments, Debt and Equity Securities [Abstract]
Net gains (losses) recognized in equity securities during the period	$ (5)
Less: Net gains (losses) realized on the sale of equity securities during the period	53
Unrealized gains (losses) reconized in equity held at reporting date	$ (58)

LOANS AND ALLOWANCE FOR LOAN _3

LOANS AND ALLOWANCE FOR LOAN LOSSES (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Jul. 31, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Foregone interest income for impaired loans	$ 47,000	$ 24,000
Increase/Decrease in ending balance of allowance for loan losses	$ 426,000	$ 678,000
Increase/Decrease in ending balance of allowance for loan losses	5.20%	9.00%
Allowance as percentage of total loans	1.25%	1.38%	1.32%
Percentage of loans balance	50.00%
Percetage of loan losses balance	41.00%
Agriculture loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
TDR loan		$ 245,000		$ 209,000
Loans Serviced for Others [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Real estate loans serviced for others	$ 126,916,000	$ 98,262,000
Consumer Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of loans balance	28.00%
Percetage of loan losses balance	42.00%
Commercial and Industrial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of loans balance	17.00%
Percetage of loan losses balance	15.00%

LOANS AND ALLOWANCE FOR LOAN _4

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Loan Portfolio by Category) (Details) - USD ($) $ in Thousands		Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses		$ 692,477	$ 596,310
Deferred loan costs, net		1,596	1,243
Allowance for loan losses		8,666	8,240	$ 7,562
Net loans		685,407	589,313
Home Equity Loan [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses	[1]	10,271	11,181
Consumer Home Equity Lines of Credit [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses	[1]	64,413	61,104
Commercial Real Estate [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses		285,437	260,792
Allowance for loan losses		4,296	3,863	3,795
Commercial Real Estate [Member] | Construction Loans [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses		18,092	18,670
Commercial Real Estate [Member] | Agriculture mortgages loans [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses		165,926	152,050
Commercial Real Estate [Member] | Commercial and Industrial [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses		101,419	90,072
Residential Portfolio Segment [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses	[1]	293,721	249,256
Residential Portfolio Segment [Member] | Real Estate Loan [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses	[1]	219,037	176,971
Commercial mortgages [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses		104,122	80,942
Commercial mortgages [Member] | Agriculture mortgages loans [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses		20,512	18,794
Commercial mortgages [Member] | Commercial and Industrial [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses		61,043	41,426
Commercial mortgages [Member] | Government Sector [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses		22,567	20,722
Consumer [Member]
Loan Portfolio
Gross loans prior to deferred costs and allowance for loan losses		9,197	5,320
Allowance for loan losses		$ 103	$ 98	$ 82
[1]	Real estate loans serviced for others, which are not included in the Consolidated Balance Sheets, totaled $126,916,000 and $98,262,000 as of December 31, 2018, and 2017, respectively.

LOANS AND ALLOWANCE FOR LOAN _5

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Commercial and Consumer Credit Exposure) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Total	$ 389,559	$ 341,734
Pass [Member]
Total	371,914	323,225
Special Mention [Member]
Total	5,350	5,526
Substandard [Member]
Total	12,295	12,983
Doubtful [Member]
Total
Loss [Member]
Total
Construction Loans [Member]
Total	18,092	18,670
Construction Loans [Member] | Pass [Member]
Total	17,567	17,670
Construction Loans [Member] | Special Mention [Member]
Total	525
Construction Loans [Member] | Substandard [Member]
Total		1,000
Construction Loans [Member] | Doubtful [Member]
Total
Construction Loans [Member] | Loss [Member]
Total
Agriculture mortgages loans [Member]
Total	165,926	152,050
Agriculture mortgages loans [Member] | Pass [Member]
Total	154,132	143,037
Agriculture mortgages loans [Member] | Special Mention [Member]
Total	3,478	3,873
Agriculture mortgages loans [Member] | Substandard [Member]
Total	8,316	5,140
Agriculture mortgages loans [Member] | Doubtful [Member]
Total
Agriculture mortgages loans [Member] | Loss [Member]
Total
Commercial and Industrial [Member]
Total	61,043	41,426
Commercial and Industrial [Member] | Pass [Member]
Total	59,348	37,947
Commercial and Industrial [Member] | Special Mention [Member]
Total	518	1,015
Commercial and Industrial [Member] | Substandard [Member]
Total	1,177	2,464
Commercial and Industrial [Member] | Doubtful [Member]
Total
Commercial and Industrial [Member] | Loss [Member]
Total
Government Sector [Member]
Total	22,567	20,722
Government Sector [Member] | Pass [Member]
Total	22,367	20,514
Government Sector [Member] | Special Mention [Member]
Total	200	208
Government Sector [Member] | Substandard [Member]
Total
Government Sector [Member] | Doubtful [Member]
Total
Government Sector [Member] | Loss [Member]
Total
Agriculture loans [Member]
Total	20,512	18,794
Agriculture loans [Member] | Pass [Member]
Total	19,487	17,798
Agriculture loans [Member] | Special Mention [Member]
Total	453	270
Agriculture loans [Member] | Substandard [Member]
Total	572	726
Agriculture loans [Member] | Doubtful [Member]
Total
Agriculture loans [Member] | Loss [Member]
Total
Commercial mortgages [Member]
Total	101,419	90,072
Commercial mortgages [Member] | Pass [Member]
Total	99,013	86,259
Commercial mortgages [Member] | Special Mention [Member]
Total	176	160
Commercial mortgages [Member] | Substandard [Member]
Total	2,230	3,653
Commercial mortgages [Member] | Doubtful [Member]
Total
Commercial mortgages [Member] | Loss [Member]
Total

LOANS AND ALLOWANCE FOR LOAN _6

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Credit Risk Profile by Payment Performance) (Details) - USD ($) $ in Thousands		Dec. 31, 2018	Dec. 31, 2017
Gross loans prior to deferred costs and allowance for loan losses		$ 692,477	$ 596,310
Consumer Borrower [Member]
Gross loans prior to deferred costs and allowance for loan losses		302,918	254,576
Home Equity Loan [Member]
Gross loans prior to deferred costs and allowance for loan losses	[1]	10,271	11,181
Consumer Home Equity Lines of Credit [Member]
Gross loans prior to deferred costs and allowance for loan losses	[1]	64,413	61,104
1-4 Family Residential Mortgages [Member]
Gross loans prior to deferred costs and allowance for loan losses		219,037	176,971
Consumer [Member]
Gross loans prior to deferred costs and allowance for loan losses		9,197	5,320
Performing [Member]
Gross loans prior to deferred costs and allowance for loan losses		302,521	254,136
Performing [Member] | Home Equity Loan [Member]
Gross loans prior to deferred costs and allowance for loan losses		10,271	11,181
Performing [Member] | Consumer Home Equity Lines of Credit [Member]
Gross loans prior to deferred costs and allowance for loan losses		64,413	61,074
Performing [Member] | 1-4 Family Residential Mortgages [Member]
Gross loans prior to deferred costs and allowance for loan losses		218,641	176,576
Performing [Member] | Consumer [Member]
Gross loans prior to deferred costs and allowance for loan losses		9,196	5,305
Nonperforming [Member]
Gross loans prior to deferred costs and allowance for loan losses		397	440
Nonperforming [Member] | Home Equity Loan [Member]
Gross loans prior to deferred costs and allowance for loan losses
Nonperforming [Member] | Consumer Home Equity Lines of Credit [Member]
Gross loans prior to deferred costs and allowance for loan losses			30
Nonperforming [Member] | 1-4 Family Residential Mortgages [Member]
Gross loans prior to deferred costs and allowance for loan losses		396	395
Nonperforming [Member] | Consumer [Member]
Gross loans prior to deferred costs and allowance for loan losses		$ 1	$ 15
[1]	Real estate loans serviced for others, which are not included in the Consolidated Balance Sheets, totaled $126,916,000 and $98,262,000 as of December 31, 2018, and 2017, respectively.

LOANS AND ALLOWANCE FOR LOAN _7

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Aging of Loans Receivable) (Details) - USD ($) $ in Thousands		Dec. 31, 2018	Dec. 31, 2017
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		$ 2,791	$ 1,818
Current		689,686	594,492
Total Loans Receivable		692,477	596,310
Loans Receivable - Greater than 90 Days and Accruing		397	440
Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		1,090	646
Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		251	360
Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		1,450	812
Home Equity Loan [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans Receivable	[1]	10,271	11,181
Consumer Home Equity Lines of Credit [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans Receivable	[1]	64,413	61,104
Commercial Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans Receivable		285,437	260,792
Commercial Real Estate [Member] | Construction Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Current		18,092	18,670
Total Loans Receivable		18,092	18,670
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
Commercial Real Estate [Member] | Commercial and Industrial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		237	372
Current		101,182	89,700
Total Loans Receivable		101,419	90,072
Loans Receivable - Greater than 90 Days and Accruing
Commercial Real Estate [Member] | Commercial and Industrial [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] | Commercial and Industrial [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] | Commercial and Industrial [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		237	372
Commercial Real Estate [Member] | Agriculture mortgages loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		1,142
Current		164,784	152,050
Total Loans Receivable		165,926	152,050
Loans Receivable - Greater than 90 Days and Accruing
Commercial Real Estate [Member] | Agriculture mortgages loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		326
Commercial Real Estate [Member] | Agriculture mortgages 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] | Agriculture mortgages loans [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		816
Residential Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans Receivable	[1]	293,721	249,256
Residential Portfolio Segment [Member] | Real Estate Loan [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		1,052	1,176
Current		217,985	175,795
Total Loans Receivable	[1]	219,037	176,971
Loans Receivable - Greater than 90 Days and Accruing		396	395
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		455	533
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		201	248
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		396	395
Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		97	40
Current		10,174	11,141
Loans Receivable - Greater than 90 Days and Accruing
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		62	40
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		35
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
Residential Portfolio Segment [Member] | Consumer Home Equity Lines of Credit [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		95	30
Current		64,318	61,074
Loans Receivable - Greater than 90 Days and Accruing			30
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		95
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			30
Commercial mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans Receivable		104,122	80,942
Commercial mortgages [Member] | Commercial and Industrial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		24	174
Current		61,019	41,252
Total Loans Receivable		61,043	41,426
Loans Receivable - Greater than 90 Days and Accruing
Commercial mortgages [Member] | Commercial and Industrial [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		24	65
Commercial mortgages [Member] | Commercial and Industrial [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due			109
Commercial mortgages [Member] | Commercial and Industrial [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Commercial mortgages [Member] | Agriculture mortgages loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		118
Current		20,394	18,794
Total Loans Receivable		20,512	18,794
Loans Receivable - Greater than 90 Days and Accruing
Commercial mortgages [Member] | Agriculture mortgages loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		118
Commercial mortgages [Member] | Agriculture mortgages loans [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Commercial mortgages [Member] | Agriculture mortgages loans [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Commercial mortgages [Member] | Government Sector [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Current		22,567	20,722
Total Loans Receivable		22,567	20,722
Loans Receivable - Greater than 90 Days and Accruing
Commercial mortgages [Member] | Government Sector [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Commercial mortgages [Member] | Government Sector [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Commercial mortgages [Member] | Government Sector [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Consumer [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		26	26
Current		9,171	5,294
Total Loans Receivable		9,197	5,320
Loans Receivable - Greater than 90 Days and Accruing		1	15
Consumer [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		10	8
Consumer [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		15	3
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	$ 15
[1]	Real estate loans serviced for others, which are not included in the Consolidated Balance Sheets, totaled $126,916,000 and $98,262,000 as of December 31, 2018, and 2017, respectively.

LOANS AND ALLOWANCE FOR LOAN _8

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Nonaccrual Loans by Class) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual Loans	$ 1,833	$ 393
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	1,017	393
Commercial and Industrial [Member] | Commercial mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual Loans
Agriculture mortgages loans [Member] | Commercial Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual Loans	816
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 _9

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Impaired Loans by Loan Portfolio Class) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Loans with no related allowance recorded:
Recorded Investment	$ 2,062	$ 1,812
Unpaid Principal Balance	2,593	2,109
Average Recorded Investment	1,459	1,958
Interest Income Recognized	45	65
Loans with an allowance recorded:
Recorded Investment	647
Unpaid Principal Balance	694
Related Allowance	132
Average Recorded Investment	608
Interest Income Recognized	6
Total impaired loans
Recorded Investment	2,709	1,812
Unpaid Principal Balance	3,287	2,109
Average Recorded Investment	2,067	1,958
Interest Income Recognized	51	65
Commercial Real Estate [Member]
Loans with no related allowance recorded:
Recorded Investment	2,062	1,567
Unpaid Principal Balance	2,593	1,864
Average Recorded Investment	1,459	1,795
Interest Income Recognized	45	58
Loans with an allowance recorded:
Recorded Investment	647
Unpaid Principal Balance	694
Related Allowance	132
Average Recorded Investment	484
Interest Income Recognized
Total impaired loans
Recorded Investment	2,709	1,567
Unpaid Principal Balance	3,287	1,864
Average Recorded Investment	1,943	1,795
Interest Income Recognized	45	58
Commercial Real Estate [Member] | Agriculture mortgages loans [Member]
Loans with no related allowance recorded:
Recorded Investment	1,692	1,174
Unpaid Principal Balance	1,692	1,174
Average Recorded Investment	1,063	1,210
Interest Income Recognized	45	54
Loans with an allowance recorded:
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment
Interest Income Recognized
Total impaired loans
Recorded Investment	1,692	1,174
Unpaid Principal Balance	1,692	1,174
Average Recorded Investment	1,063	1,210
Interest Income Recognized	45	54
Commercial Real Estate [Member] | Commercial mortgages [Member]
Loans with no related allowance recorded:
Recorded Investment	370	393
Unpaid Principal Balance	901	690
Average Recorded Investment	396	585
Interest Income Recognized		4
Loans with an allowance recorded:
Recorded Investment	647
Unpaid Principal Balance	694
Related Allowance	132
Average Recorded Investment	484
Interest Income Recognized
Total impaired loans
Recorded Investment	1,017	393
Unpaid Principal Balance	1,595	690
Average Recorded Investment	880	585
Interest Income Recognized		4
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		245
Unpaid Principal Balance		245
Average Recorded Investment		163
Interest Income Recognized		7
Loans with an allowance recorded:
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment
Interest Income Recognized
Total impaired loans
Recorded Investment		245
Unpaid Principal Balance		245
Average Recorded Investment		163
Interest Income Recognized		7
Commercial and Industrial [Member] | Agriculture mortgages loans [Member]
Loans with no related allowance recorded:
Recorded Investment		245
Unpaid Principal Balance		245
Average Recorded Investment		163
Interest Income Recognized		7
Loans with an allowance recorded:
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment	124
Interest Income Recognized	6
Total impaired loans
Recorded Investment		245
Unpaid Principal Balance		245
Average Recorded Investment	124	163
Interest Income Recognized	6	7
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_10

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Schedule of Allowance for Credit Losses) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Allowance for credit losses:
Beginning balance	$ 8,240	$ 7,562
Charge-offs	(380)	(317)
Recoveries	146	55
Provision (credit)	660	940
Ending balance	8,666	8,240
Ending balance: Individually evaluated for impairment	132
Ending balance: Collectively evaluated for impairment	8,534	8,240
Loans receivable:
Total Loans Receivable	692,477	596,310
Ending balance: Individually evaluated for impairment	2,709	1,812
Ending balance: Collectively evaluated for impairment	689,768	594,498
Commercial Real Estate [Member]
Allowance for credit losses:
Beginning balance	3,863	3,795
Charge-offs	(223)	(200)
Recoveries	72
Provision (credit)	584	268
Ending balance	4,296	3,863
Ending balance: Individually evaluated for impairment	132
Ending balance: Collectively evaluated for impairment	4,164	3,863
Loans receivable:
Total Loans Receivable	285,437	260,792
Ending balance: Individually evaluated for impairment	2,709	1,567
Ending balance: Collectively evaluated for impairment	282,728	259,225
Consumer Real Estate [Member]
Allowance for credit losses:
Beginning balance	2,052	1,652
Charge-offs	(20)
Recoveries		20
Provision (credit)	376	380
Ending balance	2,408	2,052
Ending balance: Individually evaluated for impairment
Ending balance: Collectively evaluated for impairment	2,408	2,052
Loans receivable:
Total Loans Receivable	293,721	249,256
Ending balance: Individually evaluated for impairment
Ending balance: Collectively evaluated for impairment	293,721	249,256
Commercial and Industrial [Member]
Allowance for credit losses:
Beginning balance	1,829	1,552
Charge-offs	(110)	(89)
Recoveries	66	24
Provision (credit)	(357)	342
Ending balance	1,428	1,829
Ending balance: Individually evaluated for impairment
Ending balance: Collectively evaluated for impairment	1,428	1,829
Loans receivable:
Total Loans Receivable	104,122	80,942
Ending balance: Individually evaluated for impairment		245
Ending balance: Collectively evaluated for impairment	104,122	80,697
Consumer [Member]
Allowance for credit losses:
Beginning balance	98	82
Charge-offs	(27)	(28)
Recoveries	8	11
Provision (credit)	24	33
Ending balance	103	98
Ending balance: Individually evaluated for impairment
Ending balance: Collectively evaluated for impairment	103	98
Loans receivable:
Total Loans Receivable	9,197	5,320
Ending balance: Individually evaluated for impairment
Ending balance: Collectively evaluated for impairment	9,197	5,320
Unallocated [Member]
Allowance for credit losses:
Beginning balance	398	481
Charge-offs
Recoveries
Provision (credit)	33	(83)
Ending balance	431	398
Ending balance: Individually evaluated for impairment
Ending balance: Collectively evaluated for impairment	$ 431	$ 398

PREMISES AND EQUIPMENT (Narrati

PREMISES AND EQUIPMENT (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Property, Plant and Equipment [Abstract]
Depreciation	$ 1,456,000	$ 1,391,000

PREMISES AND EQUIPMENT (Schedul

PREMISES AND EQUIPMENT (Schedule of Premises and Equipment and Accumulated Depreciation) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Premises and equipment, gross	$ 49,070	$ 47,750
Less accumulated depreciation	(23,519)	(22,063)
Premises and equipment, net	25,551	25,687
Land [Member]
Premises and equipment, gross	5,043	5,043
Buildings and improvements [Member]
Premises and equipment, gross	29,302	26,424
Furniture and Equipment [Member]
Premises and equipment, gross	14,592	13,510
Construction in Progress [Member]
Premises and equipment, gross	$ 133	$ 2,773

REGULATORY STOCK (Narrative) (D

REGULATORY STOCK (Narrative) (Details) - USD ($)	Dec. 31, 2018	Dec. 31, 2017
Federal Home Loan Bank Stock and Federal Reserve Bank Stock [Abstract]
Federal Home Loan Bank Stock	$ 6,160,000	$ 5,606,000
Federal Reserve Bank Stock	151,000	151,000
Atlantic Community Bankers' Bank Stock	$ 37,000	$ 37,000
Federal Home Loan Bank quarterly dividend yield, annualized on activity stock	6.75%
Federal Home Loan Bank quarterly dividend yield, annualized on membership stock	3.50%

DEPOSITS (Schedule of Deposits

DEPOSITS (Schedule of Deposits by Major Classification) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Deposits:
Non-interest bearing demand	$ 369,081	$ 314,917
Interest-bearing demand	20,104	20,230
NOW accounts	89,072	86,758
Money market deposit accounts	108,594	105,994
Savings accounts	199,665	189,169
Time deposits under $250,000	127,300	143,073
Time deposits of $250,000 or more	5,918	6,336
Total deposits	$ 919,734	$ 866,477

DEPOSITS (Schedule of Maturitie

DEPOSITS (Schedule of Maturities of Time Deposits) (Details) $ in Thousands	Dec. 31, 2018USD ($)
Maturities of time deposits
2019	$ 57,063
2020	31,771
2021	23,646
2022	11,234
2023	9,504
Total	$ 133,218

SHORT TERM BORROWINGS (Narrativ

SHORT TERM BORROWINGS (Narrative) (Details) $ in Millions	Dec. 31, 2018USD ($)
Federal Fund Lines [Member]
Amount of borrowings available	$ 32
FRB Discount Window [Member]
Amount of borrowings available	$ 25.8

SHORT TERM BORROWINGS (Schedule

SHORT TERM BORROWINGS (Schedule of Short-Term Borrowings) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Total short-term borrowings outstanding at year end	$ 7,870
Short-term Borrowings [Member]
Average interest rate at year end	2.60%
Maximum outstanding at any month end	$ 17,322	$ 28,674
Average amount outstanding for the year	$ 5,332	$ 7,331
Weighted-average interest rate for the year	1.88%	0.75%

OTHER BORROWED FUNDS (Narrative

OTHER BORROWED FUNDS (Narrative) (Details) - Federal Home Loan Bank Advances [Member] $ in Millions	Dec. 31, 2018USD ($)
Maximum borrowing capacity	$ 399.9
Amount available to be borrowed	$ 334.5

OTHER BORROWED FUNDS (Schedule

OTHER BORROWED FUNDS (Schedule of Maturities of other borrowings) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Federal Home Loan bank Advances
Federal Home Loan Bank Advances	$ 65,386	$ 65,850
Weighted- Average Rate %	1.87%	1.56%
FHLB Fixed Rate Loans 1 [Member]
Federal Home Loan bank Advances
Maturity Year	2018	2018
Federal Home Loan Bank Advances		$ 14,625
Weighted- Average Rate %		1.25%
FHLB Fixed Rate Loans 2 [Member]
Federal Home Loan bank Advances
Maturity Year	2019	2019
Federal Home Loan Bank Advances	$ 12,237	$ 12,237
Weighted- Average Rate %	1.53%	1.53%
FHLB Fixed Rate Loans 3 [Member]
Federal Home Loan bank Advances
Maturity Year	2020	2020
Federal Home Loan Bank Advances	$ 16,340	$ 10,677
Weighted- Average Rate %	1.85%	1.59%
FHLB Fixed Rate Loans 4 [Member]
Federal Home Loan bank Advances
Maturity Year	2021	2021
Federal Home Loan Bank Advances	$ 14,505	$ 14,505
Weighted- Average Rate %	1.72%	1.72%
FHLB Fixed Rate Loans 5 [Member]
Federal Home Loan bank Advances
Maturity Year	2022	2022
Federal Home Loan Bank Advances	$ 15,804	$ 13,806
Weighted- Average Rate %	1.84%	1.72%
FHLB Fixed Rate Loans 6 [Member]
Federal Home Loan bank Advances
Maturity Year	2023	2023
Federal Home Loan Bank Advances	$ 6,500
Weighted- Average Rate %	2.93%

CAPITAL TRANSACTIONS (Details)

CAPITAL TRANSACTIONS (Details) - USD ($) $ / shares in Units, $ in Thousands	1 Months Ended	12 Months Ended		144 Months Ended	192 Months Ended
	Jun. 17, 2015	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2018	Dec. 31, 2018	Feb. 21, 2019
Stock buyback plan authorized	140,000
Weighted-average cost per share of shares repurchased		$ 34.10
Share discount via stock purchase plan		10.00%		10.00%	10.00%
Treasury stock issued, shares		15,609	15,941
Shares issued under Employee Stock Purchase Plan (ESPP)		8,269	8,162		108,921
Shares issued under Dividend Reinvestment Plan (DRP)		6,327	6,368	97,764
Shares issued under Directors' Stock Purchase Plan		1,013	1,411		17,249
Treasury shares		17,025	19,734	17,025	17,025
Weighted-average cost per share of treasury stock		$ 35.04		$ 35.04	$ 35.04
Cost basis of treasury shares		$ 596,000		$ 596,000	$ 596,000
Subsequent Event [Member]
Stock buyback plan authorized						100,000
2015 Plan [Member]
Weighted-average cost per share of shares repurchased	$ 34.10	$ 34.24
Treasury stock issued, shares	55,535	64,935

RETIREMENT PLANS (Details)

RETIREMENT PLANS (Details) - USD ($)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Defined Contribution Plan Disclosure [Line Items]
Contribution, percentage	7.50%	7.50%
Matching contribution, percentage of match	2.00%	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]
Defined Contribution Plan Disclosure [Line Items]
Employee contribution	3.00%
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	$ 275,000	$ 270,000
Expenses recognized for defined contribution plans	$ 620,000	$ 704,000
Contribution, percentage	5.00%	5.00%
401(k) Plan [Member]
Defined Contribution Plan Disclosure [Line Items]
Expenses recognized for defined contribution plans	$ 345,000	$ 316,000
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	1000
401(k) Plan [Member] | Participants Under Age 50 [Member]
Defined Contribution Plan Disclosure [Line Items]
Maximum contribution to plans	$ 18,500	18,000
401(k) Plan [Member] | Participants Over Age 50 [Member]
Defined Contribution Plan Disclosure [Line Items]
Maximum contribution to plans	$ 24,500	$ 24,000

DEFERRED COMPENSATION (Details)

DEFERRED COMPENSATION (Details) - USD ($)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Deferred Compensation Arrangements [Abstract]
Life insurance policies, aggregate face amount	$ 3,409,000	$ 3,409,000
Death benefits of life insurance policies	6,691,000	6,680,000
Cash surrender value of life insurance policies	4,873,000	4,775,000
Net present value of deferred life insurance payments	$ 0	$ 130,000
Discount rate used in net present value calculation	4.50%	4.50%
Deferred compensation expense	$ 2,000	$ 9,000

INCOME TAXES (Narrative) (Detai

INCOME TAXES (Narrative) (Details) - USD ($)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Alternative minimum tax credits		$ 1,158,000	$ 1,158,000
Writedown of deferred tax assets			$ 1,131,000
Subsequent Event [Member]
Alternative minimum tax credits	$ 1,158,000

INCOME TAXES (Schedule of Incom

INCOME TAXES (Schedule of Income Tax Reconciliation) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017
Income Tax Disclosure [Abstract]
Income tax at statutory rate									$ 2,322	$ 2,952
Tax-exempt interest income									(743)	(1,620)
Non-deductible interest expense									47	72
Bank-owned life insurance									(344)	(234)
Other									24	37
Change in corporate tax rate										1,131
Income tax expense	$ 346	$ 425	$ 300	$ 235	$ 1,403	$ 391	$ 287	$ 257	$ 1,306	$ 2,338
Income tax at statutory rate, rate									21.00%	34.00%
Tax-exempt interest income, rate									(6.70%)	(18.70%)
Non-deductible interest expense, rate									0.40%	0.80%
Bank-owned life insurance, rate									(3.10%)	(2.70%)
Other, rate									0.20%	0.40%
Change in corporate tax rate										13.10%
Income tax expense, rate									11.80%	26.90%

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, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017
Income Tax Disclosure [Abstract]
Current tax expense									$ (46)	$ 842
Deferred tax expense (benefit)									1,352	365
Change in corporate tax rate										1,131
Income tax expense	$ 346	$ 425	$ 300	$ 235	$ 1,403	$ 391	$ 287	$ 257	$ 1,306	$ 2,338

INCOME TAXES (Schedule of Com_2

INCOME TAXES (Schedule of Components of Corporation's Net Deferred Tax Position) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Deferred tax assets
Allowance for loan losses	$ 1,820	$ 2,802
Net unrealized holding losses on securities available for sale	1,523	1,016
Deferred compensation reserve		44
Tax credit carryforward		1,158
Allowance for off-balance sheet extensions of credit	70	108
Interest on non-accrual loans	7	174
Other	53	11
Total deferred tax assets	3,473	5,313
Deferred tax liabilities
Premises and equipment	(1,006)	(2,670)
Discount on investment securities	(2)
Other	(198)	(161)
Total deferred tax liabilities	(1,206)	(2,831)
Net deferred tax assets	$ 2,267	$ 2,482

REGULATORY MATTERS AND RESTRI_3

REGULATORY MATTERS AND RESTRICTIONS (Narrative) (Details) $ in Millions	Dec. 31, 2018USD ($)
Regulatory Capital Requirements [Abstract]
Retained net profits available to pay dividends	$ 9.8

REGULATORY MATTERS AND RESTRI_4

REGULATORY MATTERS AND RESTRICTIONS (Schedule of Retained Net Profits Available to Pay Dividends) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Bank [Member]
Total Capital
Total Capital	$ 115,988	$ 109,961
Total Capital (to risk-weighted assets) ratio	14.10%	14.80%
Amount of capital for adequacy purposes	$ 65,680	$ 59,502
Amount of capital for adequacy purposes, ratio	8.00%	8.00%
To be well-capitalized	$ 82,100	$ 74,378
To be well-capitalized, ratio	10.00%	10.00%
Tier 1 Capital (to risk-weighted assets)
Tier 1 Capital	$ 106,989	$ 101,404
Tier 1 Capital (to risk-weighted assets) ratio	13.00%	13.60%
Amount of Tier 1 Capital for adequacy purposes	$ 49,260	$ 44,627
Amount of Tier 1 Capital for adequacy purposes, ratio	6.00%	6.00%
Tier 1 Capital to be well-capitalized	$ 65,680	$ 59,502
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	$ 106,989	$ 101,404
Common Equity Tier I Capital ratio	13.00%	13.60%
Amount of Common Equity Tier 1 Capital for adequacy purposes	$ 36,945	$ 33,470
Amount of Common Equity Tier 1 Capital for adequacy purposes, ratio	4.50%	4.50%
Common Equity Tier 1 Capital to be well-capitalized	$ 53,365	$ 48,346
Common Equity Tier 1 Capital to be well-capitalized, ratio	6.50%	6.50%
Tier 1 Leverage Capital (to average assets)
Tier 1 Capital	$ 106,989	$ 101,404
Tier 1 Capital (to average assets) ratio	9.80%	9.90%
Amount of Tier 1 Capital for adequacy purposes	$ 43,519	$ 40,971
Amount of Tier 1 Capital for adequacy purposes, ratio	4.00%	4.00%
Tier 1 Capital to be well-capitalized	$ 54,398	$ 51,214
Tier 1 Capital to be well-capitalized, ratio	5.00%	5.00%
Consolidated [Member]
Total Capital
Total Capital	$ 117,479	$ 111,512
Total Capital (to risk-weighted assets) ratio	14.30%	15.00%
Amount of capital for adequacy purposes	$ 73,947	$ 59,525
Amount of capital for adequacy purposes, ratio	8.00%	8.00%
To be well-capitalized	$ 82,163	$ 74,406
To be well-capitalized, ratio	10.00%	10.00%
Tier 1 Capital (to risk-weighted assets)
Tier 1 Capital	$ 108,480	$ 102,955
Tier 1 Capital (to risk-weighted assets) ratio	13.20%	13.80%
Amount of Tier 1 Capital for adequacy purposes	$ 49,298	$ 44,644
Amount of Tier 1 Capital for adequacy purposes, ratio	6.00%	6.00%
Tier 1 Capital to be well-capitalized	$ 73,947	$ 59,525
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	$ 108,480	$ 102,955
Common Equity Tier I Capital ratio	13.20%	13.80%
Amount of Common Equity Tier 1 Capital for adequacy purposes	$ 36,973	$ 33,483
Amount of Common Equity Tier 1 Capital for adequacy purposes, ratio	4.50%	4.50%
Common Equity Tier 1 Capital to be well-capitalized	$ 53,406	$ 48,364
Common Equity Tier 1 Capital to be well-capitalized, ratio	6.50%	6.50%
Tier 1 Leverage Capital (to average assets)
Tier 1 Capital	$ 108,480	$ 102,955
Tier 1 Capital (to average assets) ratio	10.00%	10.10%
Amount of Tier 1 Capital for adequacy purposes	$ 43,519	$ 40,971
Amount of Tier 1 Capital for adequacy purposes, ratio	4.00%	4.00%
Tier 1 Capital to be well-capitalized	$ 54,398	$ 51,214
Tier 1 Capital to be well-capitalized, ratio	5.00%	5.00%

TRANSACTIONS WITH DIRECTORS A_3

TRANSACTIONS WITH DIRECTORS AND OFFICERS (Narrative) (Details) - USD ($)	Dec. 31, 2018	Dec. 31, 2017
Related Party Transactions [Abstract]
Related party deposit liabilities	$ 3,102,000	$ 4,034,000

TRANSACTIONS WITH DIRECTORS A_4

TRANSACTIONS WITH DIRECTORS AND OFFICERS (Schedule of Related Party Loans) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Loans to Insiders
Beginning Balance	$ 5,669	$ 4,453
Advances	2,935	3,358
Repayments	(3,435)	(2,142)
Ending Balance	$ 5,169	$ 5,669

COMMITMENTS AND CONTINGENCIES (

COMMITMENTS AND CONTINGENCIES (Details) - USD ($) $ in Millions	Dec. 31, 2018	Dec. 31, 2017
Commitment to extend credit	$ 284	$ 270.5
Loan Commitments [Member]
Commitment to extend credit	40	45
Line of Credit [Member]
Commitment to extend credit	235.3	214.2
Open Letter of Credit [Member]
Commitment to extend credit	$ 8.7	$ 11.3

FINANCIAL INSTRUMENTS WITH CO_2

FINANCIAL INSTRUMENTS WITH CONCENTRATIONS OF CREDIT RISK (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Loans receivable:
Legal Lending Limit	$ 17,398,000	$ 16,494,000
Legal Lending Limit, percent	15.00%	15.00%
Policy Lending Limit	$ 13,049,000	$ 12,371,000
Policy Lending Limit, percent	75.00%	75.00%
Gross loans prior to deferred costs and allowance for loan losses	$ 692,477,000	$ 596,310,000
Securities Available for sale:
Gross Amortized Cost	301,252,000	$ 318,956,000
Commercial and Industrial Tax Free Loans [Member]
Loans receivable:
Gross loans prior to deferred costs and allowance for loan losses	$ 22,600,000
Commercial and Industrial Tax Free Loans [Member] | Credit concentration risk [Member]
Loans receivable:
Concentration risk (as a percentage)	3.30%
Total Commercial and Industrial [Member]
Loans receivable:
Gross loans prior to deferred costs and allowance for loan losses	$ 104,100,000
NAICS Dairy Cattle and Milk Production Loans [Member]
Loans receivable:
Gross loans prior to deferred costs and allowance for loan losses	$ 85,500,000
NAICS Dairy Cattle and Milk Production Loans [Member] | Credit concentration risk [Member] | Loan [Member]
Loans receivable:
Concentration risk (as a percentage)	12.30%
NAICS Non-Residential Real Estate Investment Loans [Member]
Loans receivable:
Gross loans prior to deferred costs and allowance for loan losses	$ 53,200,000
NAICS Non-Residential Real Estate Investment Loans [Member] | Credit concentration risk [Member] | Loan [Member]
Loans receivable:
Concentration risk (as a percentage)	7.70%
Broilers and other chicken production loans [Member]
Loans receivable:
Gross loans prior to deferred costs and allowance for loan losses	$ 42,100,000
Broilers and other chicken production loans [Member] | Credit concentration risk [Member] | Loan [Member]
Loans receivable:
Concentration risk (as a percentage)	6.10%
Commercial Real Estate Agriculture Mortgages [Member] | Credit concentration risk [Member] | Loan [Member]
Loans receivable:
Concentration risk (as a percentage)	24.00%	25.50%
Commercial Real Estate [Member]
Loans receivable:
Gross loans prior to deferred costs and allowance for loan losses	$ 285,400,000
Commercial Real Estate [Member] | Credit concentration risk [Member] | Loan [Member]
Loans receivable:
Concentration risk (as a percentage)	41.20%
Total Consumer Real Estate [Member]
Loans receivable:
Gross loans prior to deferred costs and allowance for loan losses	$ 293,700,000	$ 249,300,000
Total Consumer Real Estate [Member] | Credit concentration risk [Member] | Loan [Member]
Loans receivable:
Concentration risk (as a percentage)	42.40%	41.80%
More Typically Known Corporate Bonds [Member]
Securities Available for sale:
Concentration Risk Percentage, as compared to total debt securities	20.00%
Concentration Risk Percentage, as compared to total municipal securities portfolio	55.00%
Corporate Bonds [Member]
Securities Available for sale:
Gross Amortized Cost	$ 61,085,000	$ 61,334,000
Concentration Risk Percentage, as compared to total debt securities	20.00%
Corporate Bonds [Member] | Non-Financial Commercial Paper [Member]
Securities Available for sale:
Gross Amortized Cost	$ 17,900,000
Corporate Bonds [Member] | Non-Financial Commercial Paper [Member] | Real Estate Companies [Member]
Securities Available for sale:
Gross Amortized Cost	4,100,000
Corporate Bonds [Member] | Non-Financial Commercial Paper [Member] | Healthcare [Member]
Securities Available for sale:
Gross Amortized Cost	2,500,000
Corporate Bonds [Member] | Financial and Brokerage Issuers [Member]
Securities Available for sale:
Gross Amortized Cost	$ 43,200,000
Concentration Risk Percentage, as compared to total corporate bond securities	70.70%
Corporate Bonds [Member] | Domestic Issuers [Member]
Securities Available for sale:
Gross Amortized Cost	$ 40,000,000
Corporate Bonds [Member] | Domestic Issuers [Member] | Financial and Brokerage Issuers [Member]
Securities Available for sale:
Gross Amortized Cost	22,000,000
Corporate Bonds [Member] | Foreign Issuers [Member]
Securities Available for sale:
Gross Amortized Cost	21,100,000
Corporate Bonds [Member] | Foreign Issuers [Member] | Financial and Brokerage Issuers [Member]
Securities Available for sale:
Gross Amortized Cost	21,200,000
Obligations of States and Political Subdivisions - States of Texas [Member]
Securities Available for sale:
Gross Amortized Cost	$ 17,000,000
Concentration Risk Percentage, as compared to total debt securities	5.80%
Concentration Risk Percentage, as compared to total municipal securities portfolio	17.90%
Obligations of States and Political Subdivisions - State of Texas [Member]
Securities Available for sale:
Gross Amortized Cost	$ 18,500,000
Concentration Risk Percentage, as compared to total debt securities	6.30%
Concentration Risk Percentage, as compared to total municipal securities portfolio	19.50%
Obligations of states and political subdivisions - State of Pennsylvania [Member]
Securities Available for sale:
Gross Amortized Cost	$ 24,200,000
Concentration Risk Percentage, as compared to total debt securities	8.20%
Concentration Risk Percentage, as compared to total municipal securities portfolio	25.60%
Insurance Companies [Member] | Non-Financial Commercial Paper [Member] | Corporate Bonds [Member]
Securities Available for sale:
Gross Amortized Cost	$ 2,100,000
Energy companies [Member] | Non-Financial Commercial Paper [Member] | Corporate Bonds [Member]
Securities Available for sale:
Gross Amortized Cost	5,100,000
Commercial Paper - Brokerage [Member] | Domestic Issuers [Member] | Financial and Brokerage Issuers [Member] | Corporate Bonds [Member]
Securities Available for sale:
Gross Amortized Cost	8,900,000
Commercial Paper - Bank Debt [Member] | Domestic Issuers [Member] | Financial and Brokerage Issuers [Member] | Corporate Bonds [Member]
Securities Available for sale:
Gross Amortized Cost	13,100,000
Commercial Paper [Member] | Foreign Issuers [Member] | Financial and Brokerage Issuers [Member] | Corporate Bonds [Member]
Securities Available for sale:
Gross Amortized Cost	21,200,000
Biotechnology [Member] | Non-Financial Commercial Paper [Member] | Corporate Bonds [Member]
Securities Available for sale:
Gross Amortized Cost	$ 2,000,000

FAIR VALUE MEASUREMENTS (Narrat

FAIR VALUE MEASUREMENTS (Narrative) (Details) - USD ($)	Dec. 31, 2018	Dec. 31, 2017
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Marketable equity securities, market value	$ 5,934,000	$ 5,584,000
Impaired Financing Receivable, Recorded Investment	2,709,000	1,812,000
Related Allowance	132,000
CRA Investment Fund [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Marketable equity securities, book value	5,410,000	5,280,000
Regulatory Bank Stock [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Marketable equity securities, book value	591,000	267,000
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	$ 524,000	$ 303,000

FAIR VALUE MEASUREMENTS (Schedu

FAIR VALUE MEASUREMENTS (Schedule of Assets Measured on Recurring Basis) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Recurring Fair Value Measurements
Securities available for sale (at fair value)	$ 294,065	$ 314,077
U.S. Government Agencies [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	30,120	34,352
U.S. Agency Mortgage-Backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	44,639	52,073
U.S. Agency Collateralized Mortgage Obligations [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	54,090	54,641
Corporate Bonds [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	59,192	60,769
Obligations of States and Political Subdivisions [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	94,625	112,242
Total equity securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	5,934	5,584
Asset-backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	11,399
Fair Value Measured on a Recurring Basis [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	299,999	319,661
Fair Value Measured on a Recurring Basis [Member] | U.S. Government Agencies [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	30,120	34,352
Fair Value Measured on a Recurring Basis [Member] | U.S. Agency Mortgage-Backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	44,639	52,073
Fair Value Measured on a Recurring Basis [Member] | U.S. Agency Collateralized Mortgage Obligations [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	54,090	54,641
Fair Value Measured on a Recurring Basis [Member] | Corporate Bonds [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	59,192	60,769
Fair Value Measured on a Recurring Basis [Member] | Obligations of States and Political Subdivisions [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	94,625	112,242
Fair Value Measured on a Recurring Basis [Member] | Total equity securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	5,934	5,584
Fair Value Measured on a Recurring Basis [Member] | Asset-backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	11,399
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)	5,934	5,584
Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member] | U.S. Government Agencies [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member] | U.S. Agency Mortgage-Backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member] | U.S. Agency Collateralized Mortgage Obligations [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member] | Corporate Bonds [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member] | Obligations of States and Political Subdivisions [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member] | Total equity securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	5,934	5,584
Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member] | Asset-backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
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)	294,065	314,077
Fair Value Measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level II) [Member] | U.S. Government Agencies [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	30,120	34,352
Fair Value Measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level II) [Member] | U.S. Agency Mortgage-Backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	44,639	52,073
Fair Value Measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level II) [Member] | U.S. Agency Collateralized Mortgage Obligations [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	54,090	54,641
Fair Value Measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level II) [Member] | Corporate Bonds [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	59,192	60,769
Fair Value Measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level II) [Member] | Obligations of States and Political Subdivisions [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	94,625	112,242
Fair Value Measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level II) [Member] | Total equity securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level II) [Member] | Asset-backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	11,399
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 Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member] | U.S. Government Agencies [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member] | U.S. Agency Mortgage-Backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member] | U.S. Agency Collateralized Mortgage Obligations [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member] | Corporate Bonds [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member] | Obligations of States and Political Subdivisions [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member] | Total equity securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member] | Asset-backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)

FAIR VALUE MEASUREMENTS (Sche_2

FAIR VALUE MEASUREMENTS (Schedule of Assets Measured on Nonrecurring Basis) (Details) - Fair Value Measured on a Nonrecurring Basis [Member] - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Non-Recurring Fair Value Measurements
Impaired Loans	$ 2,577	$ 1,812
Total Fair Value, non-recurring	2,577	1,812
Quoted Prices in Active Markets for Identical Assets (Level I) [Member]
Non-Recurring Fair Value Measurements
Impaired Loans
Total Fair Value, non-recurring
Significant Other Observable Inputs (Level II) [Member]
Non-Recurring Fair Value Measurements
Impaired Loans
Total Fair Value, non-recurring
Significant Unobservable Inputs (Level III) [Member]
Non-Recurring Fair Value Measurements
Impaired Loans	2,577	1,812
Total Fair Value, non-recurring	$ 2,577	$ 1,812

FAIR VALUE MEASUREMENTS (Sche_3

FAIR VALUE MEASUREMENTS (Schedule of Level III Inputs to Determine Fair Value) (Details) - Impaired Loans [Member] - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2018	Dec. 31, 2017
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total Fair Value, non-recurring		$ 2,577	$ 1,812
Valuation Techniques	[1]	Appraisal of collateral	Appraisal of collateral
Lower Range [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total Fair Value, non-recurring		$ 2,577	$ 1,812
Unobservable inputs - Appraisal adjustments		(20.00%)	(20.00%)
Unobservable inputs - Liquidation expenses		(10.00%)	(10.00%)
Upper Range [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total Fair Value, non-recurring		$ 2,577	$ 1,812
Unobservable inputs - Appraisal adjustments		0.00%	0.00%
Unobservable inputs - Liquidation expenses		0.00%	0.00%
Weighted Average [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total Fair Value, non-recurring		$ 2,577	$ 1,812
Unobservable inputs - Appraisal adjustments		(20.00%)	(20.00%)
Unobservable inputs - Liquidation expenses		(10.00%)	(10.00%)
[1]	Fair value is generally determined through independent appraisals of the underlying collateral, which generally includes various level III inputs which are not identifiable.

DISCLOSURES ABOUT FAIR VALUE _3

DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Financial Assets:
Cash and cash equivalents	$ 41,365	$ 53,073	$ 45,632
Regulatory stock	6,348	5,794
Loans, net of allowance	685,407	589,313
Bank owned life insurance	28,085	27,814
Financial Liabilities:
Demand deposits	369,081	314,917
Interest-bearing demand deposits	20,104	20,230
NOW accounts	89,072	86,758
Money market deposit accounts	108,594	105,994
Savings accounts	199,665	189,169
Total deposits	919,734	866,477
Short-term borrowings	7,870
Long-term debt	65,386	65,850
Carrying Amount [Member]
Financial Assets:
Cash and cash equivalents	41,365	53,073
Regulatory stock	6,348	5,794
Loans held for sale	1,429	2,892
Loans, net of allowance	685,407	589,313
Mortgage servicing assets	905	661
Accrued interest receivable	3,754	3,684
Bank owned life insurance	28,085	27,814
Financial Liabilities:
Demand deposits	369,081	314,917
Interest-bearing demand deposits	20,104	20,230
NOW accounts	89,072	86,758
Money market deposit accounts	108,594	105,994
Savings accounts	199,665	189,169
Time deposits	133,218	149,409
Total deposits	919,734	866,477
Short-term borrowings	7,870
Long-term debt	65,386	65,850
Accrued interest payable	397	385
Fair Value [Member]
Financial Assets:
Cash and cash equivalents	41,365	53,073
Regulatory stock	6,348	5,794
Loans held for sale	1,429	2,892
Loans, net of allowance	687,844	590,415
Mortgage servicing assets	997	751
Accrued interest receivable	3,754	3,684
Bank owned life insurance	28,085	27,814
Financial Liabilities:
Demand deposits	369,081	314,917
Interest-bearing demand deposits	20,104	20,230
NOW accounts	89,072	86,758
Money market deposit accounts	108,594	105,994
Savings accounts	199,665	189,169
Time deposits	132,351	150,165
Total deposits	918,867	867,233
Short-term borrowings	7,870
Long-term debt	65,286	65,850
Accrued interest payable	397	385
Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member]
Financial Assets:
Cash and cash equivalents	41,365	53,073
Regulatory stock	6,348	5,794
Loans held for sale	1,429	2,892
Loans, net of allowance
Mortgage servicing assets
Accrued interest receivable	3,754	3,684
Bank owned life insurance	28,085	27,814
Financial Liabilities:
Demand deposits	369,081	314,917
Interest-bearing demand deposits	20,104	20,230
NOW accounts	89,072	86,758
Money market deposit accounts	108,594	105,994
Savings accounts	199,665	189,169
Time deposits
Total deposits	786,516	717,068
Short-term borrowings	7,870
Long-term debt
Accrued interest payable	397	385
Fair Value [Member] | Significant Other Observable Inputs (Level II) [Member]
Financial Assets:
Cash and cash equivalents
Regulatory stock
Loans held for sale
Loans, net of allowance
Mortgage servicing assets
Accrued interest receivable
Bank owned life insurance
Financial Liabilities:
Demand deposits
Interest-bearing demand deposits
NOW accounts
Money market deposit accounts
Savings accounts
Time deposits
Total deposits
Short-term borrowings
Long-term debt
Accrued interest payable
Fair Value [Member] | Significant Unobservable Inputs (Level III) [Member]
Financial Assets:
Cash and cash equivalents
Regulatory stock
Loans held for sale
Loans, net of allowance	687,844	590,415
Mortgage servicing assets	997	751
Accrued interest receivable
Bank owned life insurance
Financial Liabilities:
Demand deposits
Interest-bearing demand deposits
NOW accounts
Money market deposit accounts
Savings accounts
Time deposits	132,351	150,165
Total deposits	132,351	150,165
Short-term borrowings
Long-term debt	65,286	65,850
Accrued interest payable

ACCUMULATED OTHER COMPREHENSI_3

ACCUMULATED OTHER COMPREHENSIVE LOSS (Schedule of Accumulated Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2018	Dec. 31, 2017
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance, beginning		$ 99,759	$ 94,939
Other comprehensive income (loss), net of tax		(1,849)	1,690
Balance, ending		$ 102,802	$ 99,759
Federal income tax rate		21.00%	34.00%
Unrealized Gain (Losses) on Securities AFS [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance, beginning	[1],[2]	$ (3,195)	$ (4,885)
Other comprehensive income before reclassifications	[1],[2]	(2,075)	2,135
Amount reclassified from accumulated other comprehensive loss	[1],[2]	226	(445)
Reclassification of certain in come tax effect from accumulated other comprehensive income (loss)	[1],[2]	(634)
Other comprehensive income (loss), net of tax	[1],[2]	(2,483)	1,690
Balance, ending	[1],[2]	$ (5,678)	$ (3,195)
[1]	All amounts are net of tex. Related income tax expense or benefitiscalculated using a Federal
[2]	Amounts in parentheses indicate debits.

ACCUMULATED OTHER COMPREHENSI_4

ACCUMULATED OTHER COMPREHENSIVE LOSS (Schedule of Amounts Reclassified from AOCI) (Details) - USD ($) $ in Thousands		3 Months Ended								12 Months Ended
		Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Gains (losses) on securities transactions, net										$ (5)	$ 57
Provision for federal income taxes		$ (346)	$ (425)	$ (300)	$ (235)	$ (1,403)	$ (391)	$ (287)	$ (257)	(1,306)	(2,338)
Reclassifications for the period		$ 2,225	$ 2,577	$ 2,126	$ 2,821	$ 611	$ 2,034	$ 1,872	$ 1,827	9,749	6,344
Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Reclassifications for the period	[1]									(226)	445
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 (losses) on securities transactions, net	[1]									(286)	675
Provision for federal income taxes	[1]									60	(230)
Reclassifications for the period	[1]									$ (226)	$ 445
[1]	Amounts in parentheses indicate debits.

CONDENSED PARENT ONLY DATA (Con

CONDENSED PARENT ONLY DATA (Condensed Balance Sheets) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
ASSETS
Cash	$ 41,365	$ 53,073	$ 45,632
Equity securities	294,065	314,077
Other assets	9,658	9,388
Total assets	1,097,842	1,033,622
Stockholders' Equity:
Capital stock	574	574
Capital surplus	4,435	4,415
Retained earnings	104,067	98,629
Accumulated other comprehensive loss, net of tax	(5,678)	(3,195)
Treasury stock	(596)	(664)
Total stockholders' equity	102,802	99,759	94,939
Parent Company [Member]
ASSETS
Cash	861	1,187	$ 1,356
Equity securities	524	304
Equity in bank subsidiary	101,311	98,184
Other assets	106	84
Total assets	102,802	99,759
Stockholders' Equity:
Capital stock	574	574
Capital surplus	4,435	4,415
Retained earnings	104,067	98,629
Accumulated other comprehensive loss, net of tax	(5,678)	(3,195)
Treasury stock	(596)	(664)
Total stockholders' equity	$ 102,802	$ 99,759

CONDENSED PARENT ONLY DATA (C_2

CONDENSED PARENT ONLY DATA (Condensed Statements of Comprehensive Income) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017
Income
Gains (losses) on securities transactions									$ (5)	$ 57
Dividend income									575	387
Expense
Other expenses									2,613	2,518
Total expenses	$ 8,324	$ 8,071	$ 8,167	$ 7,884	$ 7,997	$ 7,647	$ 7,715	$ 7,518	32,446	30,877
Net income	$ 2,225	$ 2,577	$ 2,126	$ 2,821	$ 611	$ 2,034	$ 1,872	$ 1,827	9,749	6,344
Comprehensive Income									7,900	8,034
Parent Company [Member]
Income
Dividend income - investment securities									13	10
Gains (losses) on securities transactions									(5)	57
Dividend income									3,282	3,190
Undistributed earnings of bank subsidiary									6,614	3,228
Total Income									9,904	6,485
Expense
Shareholder expenses									132	120
Other expenses									23	21
Total expenses									155	141
Net income									9,749	6,344
Comprehensive Income									$ 7,900	$ 8,034

CONDENSED PARENT ONLY DATA (C_3

CONDENSED PARENT ONLY DATA (Condensed Statements of Cash Flows) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017
Cash Flows from Operating Activities:
Net income	$ 2,225	$ 2,577	$ 2,126	$ 2,821	$ 611	$ 2,034	$ 1,872	$ 1,827	$ 9,749	$ 6,344
Gains on securities transactions, net									5	(57)
Net cash provided by operating activities									16,757	11,350
Cash Flows from Investing Activities:
Proceeds from sales of equity securities									57,932	80,642
Purchases of equity securities									(62,222)	(114,269)
Net cash provided by (used for) investing activities									(85,934)	(45,945)
Cash Flows from Financing Activities:
Proceeds from issuance of treasury stock									551	544
Payment to repurchase common stock									(463)	(568)
Dividends paid									(3,282)	(3,190)
Net cash used for financing activities									57,469	42,036
Cash and Cash Equivalents:
Net change in cash and cash equivalents									(11,708)	7,441
Cash and cash equivalents at beginning of period				53,073				45,632	53,073	45,632
Cash and cash equivalents at end of period	41,365				53,073				41,365	53,073
Parent Company [Member]
Cash Flows from Operating Activities:
Net income									9,749	6,344
Equity in undistributed earnings of subsidiaries									(6,614)	(3,228)
Gains on securities transactions, net									5	(57)
Net change in other assets									(1)	(30)
Net cash provided by operating activities									3,139	3,029
Cash Flows from Investing Activities:
Proceeds from sales of equity securities									277	150
Purchases of equity securities									(548)	(134)
Net cash provided by (used for) investing activities									(271)	16
Cash Flows from Financing Activities:
Proceeds from issuance of treasury stock									551	544
Payment to repurchase common stock									(463)	(568)
Dividends paid									(3,282)	(3,190)
Net cash used for financing activities									(3,194)	(3,214)
Cash and Cash Equivalents:
Net change in cash and cash equivalents									(326)	(169)
Cash and cash equivalents at beginning of period				$ 1,187				$ 1,356	1,187	1,356
Cash and cash equivalents at end of period	$ 861				$ 1,187				$ 861	$ 1,187

SUMMARY OF QUARTERLY FINANCIA_3

SUMMARY OF QUARTERLY FINANCIAL DATA (UNAUDITED) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017
Quarterly Financial Data [Abstract]
Interest income	$ 9,729	$ 9,348	$ 8,897	$ 8,524	$ 8,478	$ 8,444	$ 8,213	$ 7,982	$ 36,498	$ 33,117
Interest expense	886	872	842	774	752	754	731	702	3,374	2,939
Net interest income	8,843	8,476	8,055	7,750	7,726	7,690	7,482	7,280	33,124	30,178
Less provision for loan losses	190	190	90	190	490	240	120	90
Net interest income after provision for loan losses	8,653	8,286	7,965	7,560	7,236	7,450	7,362	7,190	32,464	29,238
Other income	2,242	2,787	2,628	3,380	2,775	2,622	2,512	2,412	11,037	10,321
Operating expenses:
Salaries and employee benefits	4,862	5,197	5,221	4,960	4,970	4,840	4,811	4,719	20,240	19,340
Occupancy and equipment expenses	840	920	893	951	873	923	902	881
Other operating expenses	2,622	1,954	2,053	1,973	2,154	1,884	2,002	1,918
Total operating expenses	8,324	8,071	8,167	7,884	7,997	7,647	7,715	7,518	32,446	30,877
Income before income taxes	2,571	3,002	2,426	3,056	2,014	2,425	2,159	2,084	11,055	8,682
Provision for Federal income taxes	346	425	300	235	1,403	391	287	257	1,306	2,338
Net income	$ 2,225	$ 2,577	$ 2,126	$ 2,821	$ 611	$ 2,034	$ 1,872	$ 1,827	$ 9,749	$ 6,344
Earnings per share of common stock	$ 0.78	$ 0.90	$ 0.74	$ 0.99	$ 0.21	$ 0.71	$ 0.66	$ 0.64	$ 3.42	$ 2.23
Cash dividends paid per share	$ 0.29	$ 0.29	$ 0.29	$ 0.28	$ 0.28	$ 0.28	$ 0.28	$ 0.28	$ 1.15	$ 1.12