Pathfinder Bancorp (PBHC) 10-K 31 Mar 17 2016 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2016	Mar. 15, 2017	Jun. 30, 2016
Document and Entity Information [Abstract]
Entity Registrant Name	Pathfinder Bancorp, Inc.
Entity Central Index Key	1,609,065
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Filer Category	Smaller Reporting Company
Entity Public Float			$ 49
Entity Common Stock, Shares Outstanding		4,246,980
Document Fiscal Year Focus	2,016
Document Fiscal Period Focus	FY
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2016

Consolidated Statements of Cond

Consolidated Statements of Condition - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
ASSETS:
Cash and due from banks	$ 6,968	$ 9,624
Interest earning deposits	15,451	5,621
Total cash and cash equivalents	22,419	15,245
Available-for-sale securities, at fair value	141,955	98,942
Held-to-maturity securities, at amortized cost (fair value of $54,429 and $45,515, respectively)	54,645	44,297
Federal Home Loan Bank stock, at cost	3,250	2,424
Loans	492,147	430,438
Less: Allowance for loan losses	6,247	5,706
Loans receivable, net	485,900	424,732
Premises and equipment, net	15,177	14,834
Accrued interest receivable	2,532	2,053
Foreclosed real estate	597	517
Intangible assets, net	198	214
Goodwill	4,536	4,536
Bank owned life insurance	11,458	10,615
Other assets	6,367	4,845
Total assets	749,034	623,254
Deposits:
Interest-bearing	535,701	428,636
Noninterest-bearing	75,282	61,679
Total deposits	610,983	490,315
Short-term borrowings	41,947	24,800
Long-term borrowings	17,000	16,500
Subordinated loans	15,025	14,991
Accrued interest payable	75	199
Other liabilities	5,643	5,220
Total liabilities	690,673	552,025
Shareholders' equity:
Preferred stock - SBLF, par value $0.01 per share; $1,000 liquidation preference; 13,000 shares authorized; 0 shares and 13,000 shares issued and outstanding, respectively	0	13,000
Common stock, par value $0.01; 25,000,000 authorized shares; 4,236,744 and 4,353,850 shares outstanding, respectively	43	44
Additional paid in capital	27,483	28,717
Retained earnings	35,619	33,183
Accumulated other comprehensive loss	(3,822)	(2,565)
Unearned ESOP	(1,394)	(1,574)
Total Pathfinder Bancorp, Inc. shareholders' equity	57,929	70,805
Noncontrolling interest	432	424
Total equity	58,361	71,229
Total liabilities and shareholders' equity	$ 749,034	$ 623,254

Consolidated Statements of Con3

Consolidated Statements of Condition (Parenthetical) - USD ($)	Dec. 31, 2016	Dec. 31, 2015
ASSETS:
Held-to-maturity securities at fair value	$ 54,429,000	$ 45,515,000
Shareholders' equity:
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	25,000,000	25,000,000
Common stock, shares outstanding (in shares)	4,236,744	4,353,850
Preferred Stock SBLF [Member]
Shareholders' equity:
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, liquidation preference	$ 1,000	$ 1,000
Preferred stock, shares authorized (in shares)	13,000	13,000
Preferred stock, shares issued (in shares)	0	13,000
Preferred stock, shares outstanding (in shares)	0	13,000

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Interest and dividend income:
Loans, including fees	$ 20,703	$ 18,450
Debt securities:
Taxable	2,360	2,012
Tax-exempt	832	763
Dividends	134	178
Federal funds sold and interest earning deposits	64	21
Total interest income	24,093	21,424
Interest expense:
Interest on deposits	2,441	1,962
Interest on short-term borrowings	301	138
Interest on long-term borrowings	270	257
Interest on subordinated loans	792	300
Total interest expense	3,804	2,657
Net interest income	20,289	18,767
Provision for loan losses	953	1,349
Net interest income after provision for loan losses	19,336	17,418
Noninterest income:
Service charges on deposit accounts	1,141	1,155
Earnings and gain on bank owned life insurance	307	401
Loan servicing fees	138	233
Net gains on sales and redemptions of investment securities	594	422
Net (losses) gains on sales of loans and foreclosed real estate	(40)	34
Debit card interchange fees	557	530
Other charges, commissions & fees	1,486	1,397
Total noninterest income	4,183	4,172
Noninterest expense:
Salaries and employee benefits	10,772	9,687
Building occupancy	1,936	1,921
Data processing	1,682	1,609
Professional and other services	834	859
Advertising	730	518
FDIC assessments	345	408
Audits and exams	329	268
Other expenses	2,482	2,317
Total noninterest expenses	19,110	17,587
Income before income taxes	4,409	4,003
Provision for income taxes	1,111	1,071
Net income attributable to noncontrolling interest and Pathfinder Bancorp, Inc.	3,298	2,932
Net income attributable to noncontrolling interest	26	43
Net income attributable to Pathfinder Bancorp Inc.	3,272	2,889
Preferred stock dividends	16	130
Net income available to common shareholders	$ 3,256	$ 2,759
Earnings per common share - basic (in dollars per share)	$ 0.79	$ 0.67
Earnings per common share - diluted (in dollars per share)	0.78	0.66
Dividends per common share (in dollars per share)	$ 0.20	$ 0.16

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2016	Dec. 31, 2015
Consolidated Statements of Comprehensive Income [Abstract]
Net income		$ 3,298	$ 2,932
Retirement Plans:
Retirement plan net losses recognized in plan expenses		222	185
Plan gains (losses) not recognized in plan expenses		330	(267)
Net unrealized gain (loss) on retirement plans		552	(82)
Unrealized holding gains on financial derivative:
Change in unrealized holding gains (losses) on financial derivative		2	(6)
Reclassification adjustment for interest expense included in net income		25	61
Net unrealized gain on financial derivative		27	55
Unrealized holding losses on available for sale securities
Unrealized holding losses arising during the period		(2,394)	(425)
Reclassification adjustment for net gains included in net income		(594)	(422)
Net unrealized loss on available for sale securities		(2,988)	(847)
Accretion of net unrealized loss on securities transferred to held-to-maturity	[1]	316	131
Other comprehensive income, before tax		(2,093)	(743)
Tax effect		836	297
Other comprehensive loss, net of tax		(1,257)	(446)
Comprehensive income		2,041	2,486
Comprehensive income attributable to noncontrolling interest		26	43
Comprehensive income attributable to Pathfinder Bancorp, Inc.		2,015	2,443
Tax Effect Allocated to Each Component of Other Comprehensive Loss
Retirement plan net losses recognized in plan expenses		(87)	(74)
Plan gains (losses) not recognized in plan expenses		(134)	106
Change in unrealized holding gains (losses) on financial derivative		(1)	2
Reclassification adjustment for interest expense included in net income		(10)	(24)
Unrealized holding losses arising during the period		958	170
Reclassification adjustment for net gains included in net income		236	169
Accretion of net unrealized loss on securities transferred to held-to-maturity	[1]	(126)	(52)
Income tax effect related to other comprehensive income		$ 836	$ 297
[1]	The accretion of the unrealized holding losses in accumulated other comprehensive loss at the date of transfer at September 30, 2013 partially offsets the amortization of the difference between the par value and the fair value of the investment securities at the date of transfer, and is an adjustment of yield.

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholder's Equity - USD ($) $ in Thousands	Preferred Stock [Member]	Common Stock [Member]	Additional Paid in Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Loss [Member]	Unearned ESOP [Member]	Non-controlling Interest [Member]	Total
Balance at Dec. 31, 2014	$ 13,000	$ 44	$ 28,534	$ 31,085	$ (2,119)	$ (1,754)	$ 414	$ 69,204
Net income	0	0	0	2,889	0	0	43	2,932
Other comprehensive loss, net of tax	0	0	0	0	(446)	0	0	(446)
Preferred stock dividends - SBLF	0	0	0	(130)	0	0	0	(130)
ESOP shares earned	0	0	89	0	0	180	0	269
Stock based compensation	0	0	85	0	0	0	0	85
Stock options exercised	0	0	9	0	0	0	0	9
Common stock dividends declared	0	0	0	(661)	0	0	0	(661)
Distributions from affiliates	0	0	0	0	0	0	(33)	(33)
Balance at Dec. 31, 2015	13,000	44	28,717	33,183	(2,565)	(1,574)	424	71,229
Net income	0	0	0	3,272	0	0	26	3,298
Other comprehensive loss, net of tax	0	0	0	0	(1,257)	0	0	(1,257)
Preferred stock, redemption	(13,000)	0	0	0	0	0	0	(13,000)
Preferred stock dividends - SBLF	0	0	0	(16)	0	0	0	(16)
ESOP shares earned	0	0	113	0	0	180	0	293
Stock based compensation	0	0	264	0	0	0	0	264
Stock options exercised	0	0	143	0	0	0	0	143
Purchase of common stock shares	0	(1)	(1,754)	0	0	0	0	(1,755)
Common stock dividends declared	0	0	0	(820)	0	0	0	(820)
Distributions from affiliates	0	0	0	0	0	0	(18)	(18)
Balance at Dec. 31, 2016	$ 0	$ 43	$ 27,483	$ 35,619	$ (3,822)	$ (1,394)	$ 432	$ 58,361

Consolidated Statements of Cha7

Consolidated Statements of Changes in Shareholder's Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Consolidated Statements of Changes in Shareholder's Equity [Abstract]
Preferred stock redemption (in shares)	13,000
ESOP shares earned (in shares)	24,442	24,442
Purchase of common stock shares (in shares)	143,400
Common stock dividends declared (in dollars per share)	$ 0.20	$ 0.16

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
OPERATING ACTIVITIES
Net income attributable to Pathfinder Bancorp, Inc.	$ 3,272	$ 2,889
Adjustments to reconcile net income to net cash flows from operating activities:
Provision for loan losses	953	1,349
Deferred income tax (benefit) expense	(249)	116
Proceeds from sales of loans	202	69
Originations of loans held-for-sale	(197)	(68)
Realized losses (gains) on sales, redemptions and calls of:
Real estate acquired through foreclosure	50	(1)
Loans	(10)	(33)
Available-for-sale investment securities	(456)	(422)
Held-to-maturity investment securities	(53)	0
Depreciation	1,019	998
Amortization of mortgage servicing rights	12	14
Amortization of deferred loan costs	222	170
Amortization of deferred financing from subordinated loan	34	0
Earnings and gain on bank owned life insurance	(307)	(259)
Realized gain on proceeds from bank owned life insurance	0	(142)
Net amortization of premiums and discounts on investment securities	1,211	865
Amortization of intangible assets	16	16
Stock based compensation and ESOP expense	557	354
Net change in accrued interest receivable	(479)	(204)
Net change in other assets and liabilities	574	600
Net cash flows from operating activities	6,371	6,311
INVESTING ACTIVITIES
Purchase of investment securities available-for-sale	(145,264)	(67,634)
Purchase of investment securities held-to-maturity	(16,859)	(6,317)
Net (purchases of) proceeds from Federal Home Loan Bank stock	(826)	1,030
Proceeds from maturities and principal reductions of investment securities available-for-sale	68,506	30,420
Proceeds from maturities and principal reductions of investment securities held-to-maturity	3,659	2,903
Proceeds from sales, redemptions and calls of:
Available-for-sale investment securities	30,228	25,180
Held-to-maturity investment securities	3,000	0
Real estate acquired through foreclosure	279	432
Realized gains on hedging activity	(85)	0
Acquisition of insurance agency	0	(225)
Proceeds from bank owned life insurance	0	142
Net change in loans	(62,733)	(44,784)
Purchase of premises and equipment	(1,362)	(2,632)
Net cash flows from investing activities	(121,457)	(61,485)
FINANCING ACTIVITIES
Net change in demand deposits, NOW accounts, savings accounts, money management deposit accounts, MMDA accounts and escrow deposits	57,830	80,850
Net change in time deposits	28,594	9,936
Net change in brokered deposits	34,244	(16,039)
Net change in short-term borrowings	17,147	(30,300)
Payments on long-term borrowings	(3,000)	(13,000)
Proceeds from long-term borrowings	3,500	18,500
Proceeds from subordinated loans	0	9,836
Repayment of loan on cash surrender value of bank owned life insurance	(536)	0
Redemption of preferred stock - SBLF	(13,000)	0
Purchase of common stock	(1,755)	0
Proceeds from exercise of stock options	143	9
Cash dividends paid to preferred shareholder - SBLF	(49)	(130)
Cash dividends paid to common shareholders	(866)	(609)
Change in noncontrolling interest, net	8	10
Net cash flows from financing activities	122,260	59,063
Change in cash and cash equivalents	7,174	3,889
Cash and cash equivalents at beginning of period	15,245	11,356
Cash and cash equivalents at end of period	22,419	15,245
CASH PAID DURING THE PERIOD FOR:
Interest	3,928	2,521
Income taxes	970	1,237
NON-CASH INVESTING ACTIVITY
Real estate acquired in exchange for loans	$ 390	$ 722

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 2016
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	NOTE 1: SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Nature of Operations The accompanying consolidated financial statements include the accounts of Pathfinder Bancorp, Inc. (the "Company") and its wholly owned subsidiary, Pathfinder Bank (the "Bank"). The Company is a Maryland corporation headquartered in Oswego, New York. On October 16, 2014, the Company completed its conversion from the mutual holding company structure and the related public offering and is now a stock holding company that is fully owned by the public. As a result of the conversion, the mutual holding company and former mid-tier holding company were merged into Pathfinder Bancorp, Inc. The primary business of the Company is its investment in Pathfinder Bank (the "Bank") which is 100% owned by the Company. The Company sold 2,636,053 shares of common stock in the offering, including 105,442 shares sold to the Pathfinder Bank employee stock ownership plan ("ESOP"). All shares were sold at a price of $10.00 per share raising $26.4 million in gross proceeds. Additionally, $197,000 in cash was received from the merger of MHC into the company; and after accounting for conversion related expenses of $1.5 million, the Company received $24.9 million in net proceeds. Concurrent with the completion of the offering, publicly owned shares of Pathfinder Bancorp, Inc., a federal corporation, were exchanged for 1.6472 shares of the Company's common stock. At December 31, 2016, 4,236,744 shares of common stock were outstanding. The Bank has three wholly owned operating subsidiaries, Pathfinder Risk Management Company, Inc. ("PRMC"), Pathfinder REIT, Inc. and Whispering Oaks Development Corp. All significant inter-company accounts and activity have been eliminated in consolidation. Although the Company owns, through its subsidiary PRMC, 51% of the membership interest in FitzGibbons Agency, LLC ("FitzGibbons"), the Company is required to consolidate 100% of FitzGibbons within the consolidated financial statements. The 49% of which the Company does not own is accounted for separately as noncontrolling interests within the consolidated financial statements. The Company has seven offices located in Oswego County and two offices in Onondaga County. The Company is primarily engaged in the business of attracting deposits from the general public in the Company's market area, and investing such deposits, together with other sources of funds, in loans secured by commercial real estate, business assets, one-to-four family residential real estate and investment securities. Use of Estimates in the Preparation of Consolidated Financial Statements The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Management has identified the allowance for loan losses, deferred income taxes, pension obligations, the annual evaluation of the Company's goodwill for possible impairment and the evaluation of investment securities for other than temporary impairment and the estimation of fair values for accounting and disclosure purposes to be the accounting areas that require the most subjective and complex judgments, and as such, could be the most subject to revision as new information becomes available. The Company is subject to the regulations of various governmental agencies. The Company also undergoes periodic examinations by the regulatory agencies which may subject it to further changes with respect to asset valuations, amounts of required loss allowances, and operating restrictions resulting from the regulators' judgments based on information available to them at the time of their examinations. Significant Group Concentrations of Credit Risk Most of the Company's activities are with customers located primarily in Oswego and Onondaga counties of New York State. A large portion of the Company's portfolio is centered in residential and commercial real estate. The Company closely monitors real estate collateral values and requires additional reviews of commercial real estate appraisals by a qualified third party for commercial real estate loans in excess of $400,000. All residential loan appraisals are reviewed by an individual or third party who is independent of the loan origination or approval process and was not involved in the approval of appraisers or selection of the appraiser for the transaction, and has no direct or indirect interest, financial or otherwise in the property or the transaction. Advertising The Company follows the policy of charging the costs of advertising to expense as incurred. Noncontrolling Interest Noncontrolling interest represents the portion of ownership and profit or loss that is attributable to the minority owners of the FitzGibbons Agency. Cash and Cash Equivalents Cash and cash equivalents include cash on hand, amounts due from banks and interest-bearing deposits (with original maturity of three months or less). Investment Securities The Company classifies investment securities as either available-for-sale or held-to-maturity. The Company does not hold any securities considered to be trading. Available-for-sale securities are reported at fair value, with net unrealized gains and losses reflected as a separate component of shareholders' equity, net of the applicable income tax effect. Held-to-maturity securities are those that the Company has the ability and intent to hold until maturity and are reported at amortized cost. Gains or losses on investment security transactions are based on the amortized cost of the specific securities sold. Premiums and discounts on securities are amortized and accreted into income using the interest method over the period to maturity. Note 4 to the consolidated financial statements includes additional information about the Company's accounting policies with respect to the impairment of investment securities. Federal Home Loan Bank Stock Federal law requires a member institution of the Federal Home Loan Bank ("FHLB") system to hold stock of its district FHLB according to a predetermined formula. The stock is carried at cost. Transfers of Financial Assets Transfers of financial assets, including sales of loans and loan participations, 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. Loans The Company grants mortgage, commercial, municipal, and consumer loans to customers. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off are stated at their outstanding unpaid principal balances, less the allowance for loan losses plus net deferred loan origination costs. The ability of the Company's debtors to honor their contracts is dependent upon the real estate and general economic conditions in the market area. Interest income is generally recognized when income is earned using the interest method. Nonrefundable loan fees received and related direct origination costs incurred are deferred and amortized over the life of the loan using the interest method, resulting in a constant effective yield over the loan term. Deferred fees are recognized into income and deferred costs are charged to income immediately upon prepayment of the related loan. The loans receivable portfolio is segmented into residential mortgage, commercial and consumer loans. The residential mortgage segment consists of one-to-four family first-lien residential mortgages and construction loans. Commercial loans consist of the following classes: real estate, lines of credit, other commercial and industrial, and tax-exempt loans. Consumer loans include both home equity lines of credit and loans with junior liens and other consumer loans. Allowance for Loan Losses The allowance for loan losses represents management's estimate of losses inherent in the loan portfolio as of the date of the statement of condition and it is recorded as a reduction of loans. The allowance is increased by the provision for loan losses, and decreased by charge-offs, net of recoveries. Loans deemed to be uncollectible are charged against the allowance for loan losses, and subsequent recoveries, if any, are credited to the allowance. All, or part, of the principal balance of loans receivable are charged off to the allowance as soon as it is determined that the repayment of all, or part, of the principal balance is highly unlikely. Non-residential consumer loans are generally charged off no later than 120 days past due on a contractual basis, unless productive collection efforts are providing results. Consumer loans may be charged off earlier in the event of bankruptcy, or if there is an amount that is deemed uncollectible. No portion of the allowance for loan losses is restricted to any individual loan product and the entire allowance is available to absorb any and all loan losses. The allowance for loan losses is maintained at a level considered adequate to provide for losses that can be reasonably anticipated. Management performs a quarterly evaluation of the adequacy of the allowance. The allowance is based on three major components which are; specific components for larger loans, recent historical losses and several qualitative factors applied to a general pool of loans, and an unallocated component. The first component is the specific component that relates to loans that are classified as impaired. For these loans, an allowance is established when the discounted cash flows or collateral value of the impaired loan is lower than the carrying value of that loan. The second or general component covers pools of loans, by loan class, not considered impaired, smaller balance homogeneous loans, such as residential real estate, home equity and other consumer loans. These pools of loans are evaluated for loss exposure first based on historical loss rates for each of these categories of loans. The ratio of net charge-offs to loan outstandings within each product class, over the most recent eight quarters, lagged by one quarter, is used to generate the historical loss rates. In addition, qualitative factors are added to the historical loss rates in arriving at the total allowance for loan loss need for this general pool of loans. The qualitative factors include changes in national and local economic trends, the rate of growth in the portfolio, trends of delinquencies and nonaccrual balances, changes in loan policy, and changes in lending management experience and related staffing. Each factor is assigned a value to reflect improving, stable or declining conditions based on management's best judgment using relevant information available at the time of the evaluation. These qualitative factors, applied to each product class, make the evaluation inherently subjective, as it requires material estimates that may be susceptible to significant revision as more information becomes available. Adjustments to the factors are supported through documentation of changes in conditions in a narrative accompanying the allowance for loan loss analysis and calculation. The third or unallocated component is maintained to cover uncertainties that could affect management's estimate of probable losses. The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio and generally comprises less than 10% of the total allowance for loan loss. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and shortfalls on a case-by case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length and reason for the delay, the borrower's prior payment record and the amount of shortfall in relation to what is owed. Impairment is measured by either the present value of the expected future cash flows discounted at the loan's effective interest rate or the fair value of the underlying collateral if the loan is collateral dependent. The majority of the Company's loans utilize the fair value of the underlying collateral. An allowance for loan loss is established for an impaired loan if its carrying value exceeds its estimated fair value. The estimated fair values of substantially all of the Company's impaired loans are measured based on the estimated fair value of the loan's collateral. For loans secured by real estate, estimated fair values are determined primarily through third-party appraisals, less costs to sell. Appraised values are discounted to arrive at the estimated selling price of the collateral, which is considered to be the estimated fair value. The discounts also include estimated costs to sell the property. For commercial and industrial loans secured by non-real estate collateral, such as accounts receivable, inventory and equipment, estimated fair values are determined based on the borrower's financial statements, inventory reports, accounts receivable agings or equipment appraisals or invoices. Indications of value from these sources are generally discounted based on the age of the financial information or the quality of the assets. Large groups of homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual residential mortgage loans less than $300,000, home equity and other consumer loans for impairment disclosures, unless such loans are related to borrowers with impaired commercial loans or they are subject to a troubled debt restructuring agreement. Loans that are related to borrowers with impaired commercial loans or are subject to a troubled debt restructuring agreement are evaluated individually for impairment. . Commercial loans whose terms are modified are classified as troubled debt restructurings if the Company grants such borrowers concessions and it is deemed that those borrowers are experiencing financial difficulty. Concessions granted under a troubled debt restructuring generally include but are not limited to a temporary reduction in the interest rate or an extension of a loan's stated maturity date. Commercial loans classified as troubled debt restructurings are designated as impaired and evaluated individually as discussed above. The allowance calculation methodology includes further segregation of loan classes into risk rating categories. The borrower's overall financial condition, repayment sources, guarantors and value of the collateral, if appropriate, are evaluated not less than annually for commercial loans or when credit deficiencies arise on all loans. Credit quality risk ratings include regulatory classifications of special mention, substandard, doubtful and loss. See Note 5 for a description of these regulatory classifications. In addition, Federal and State regulatory agencies, as an integral part of their examination process, periodically review the Company's allowance for loan losses and may require the Company to recognize additions to the allowance based on their judgments about information available to them at the time of their examination, which may not be currently available to management. Based on management's comprehensive analysis of the loan portfolio, management believes the current level of the allowance for loan losses is adequate. Income Recognition on Impaired and Nonaccrual Loans For all classes of loans receivable, the accrual of interest is discontinued when the contractual payment of principal or interest has become 90 days past due or management has serious doubts about further collectability of principal or interest, even though the loan may be currently performing. A loan may remain on accrual status if it is either well secured or guaranteed and in the process of collection. When a loan is placed on nonaccrual status, unpaid interest is reversed and charged to interest income. Interest received on nonaccrual loans, including impaired loans, generally is either applied against principal or reported as interest income, according to management's judgment as to the collectability of principal. Generally, loans are restored to accrual status when the obligation is brought current, has performed in accordance with the contractual terms for a reasonable period of time, generally six months, and the ultimate collectability of the total contractual principal and interest is no longer in doubt. Nonaccrual troubled debt restructurings are restored to accrual status if principal and interest payments, under the modified terms, are current for six consecutive months after modification. For nonaccrual loans, when future collectability of the recorded loan balance is expected, interest income may be recognized on a cash basis. In the case where a nonaccrual loan had been partially charged off, recognition of interest on a cash basis is limited to that which would have been recognized on the recorded loan balance at the contractual interest rate. Cash interest receipts in excess of that amount are recorded as recoveries to the allowance for loan losses until prior charge-offs have been fully recovered. Off-Balance Sheet Credit Related Financial Instruments In the ordinary course of business, the Company has entered into commitments to extend credit, including commitments under standby letters of credit. Such financial instruments are recorded when they are funded. Premises and Equipment Premises and equipment are stated at cost, less accumulated depreciation. Depreciation is computed on a straight-line basis over the estimated useful lives of the related assets, ranging up to 40 years for premises and 10 years for equipment. Maintenance and repairs are charged to operating expenses as incurred. The asset cost and accumulated depreciation are removed from the accounts for assets sold or retired and any resulting gain or loss is included in the determination of income. Foreclosed Real Estate Physical possession of residential real estate property collateralizing a residential mortgage loan occurs when legal title is obtained upon completion of foreclosure or when the borrower conveys all interest in the property to satisfy the loan through completion of a deed-in-lieu of foreclosure or through a similar legal agreement. Properties acquired through foreclosure, or by deed-in-lieu of foreclosure, are recorded at their fair value less estimated costs to sell. Fair value is typically determined based on evaluations by third parties. Costs incurred in connection with preparing the foreclosed real estate for disposition are capitalized to the extent that they enhance the overall fair value of the property. Any write-downs on the asset's fair value less costs to sell at the date of acquisition are charged to the allowance for loan losses. Subsequent write downs and expenses of foreclosed real estate are included as a valuation allowance and recorded in noninterest expense. Goodwill and Intangible Assets Goodwill represents the excess cost of an acquisition over the fair value of the net assets acquired. Goodwill is not amortized, but is evaluated annually for impairment. Intangible assets, such as customer relationships, are amortized over their useful lives, generally 15 years. Mortgage Servicing Rights Originated mortgage servicing rights are recorded at their fair value at the time of transfer of the related loans and are amortized in proportion to, and over the period of, estimated net servicing income or loss. The carrying value of the originated mortgage servicing rights is periodically evaluated for impairment or between annual evaluations under certain circumstances. Stock-Based Compensation Compensation costs related to share-based payment transactions are recognized based on the grant-date fair value of the stock-based compensation issued. Compensation costs are recognized over the period that an employee provides service in exchange for the award. Compensation costs related to the Employee Stock Ownership Plan are dependent upon the average stock price and the shares committed to be released to plan participants through the period in which income is reported. Retirement Benefits The Company has a non-contributory defined benefit pension plan that covered substantially all employees. On May 14, 2012, the Company informed its employees of its decision to freeze participation and benefit accruals under the plan, primarily to reduce some of the volatility in earnings that can accompany the maintenance of a defined benefit plan. The plan was frozen on June 30, 2012. Compensation earned by employees up to June 30, 2012 is used for purposes of calculating benefits under the plan but there will be no future benefit accruals after this date. Participants as of June 30, 2012 will continue to earn vesting credit with respect to their frozen accrued benefits as they continue to work. Pension expense under these plans is charged to current operations and consists of several components of net pension cost based on various actuarial assumptions regarding future experience under the plans. Gains and losses, prior service costs and credits, and any remaining transition amounts that have not yet been recognized through net periodic benefit cost are recognized in accumulated other comprehensive loss, net of tax effects, until they are amortized as a component of net periodic cost. Plan assets and obligations are measured as of the Company's statement of condition date. The Company has unfunded deferred compensation and supplemental executive retirement plans for selected current and former employees and officers that provide benefits that cannot be paid from a qualified retirement plan due to Internal Revenue Code restrictions. These plans are nonqualified under the Internal Revenue Code, and assets used to fund benefit payments are not segregated from other assets of the Company, therefore, in general, a participant's or beneficiary's claim to benefits under these plans is as a general creditor. The Bank sponsors an Employee Stock Ownership Plan ("ESOP") covering substantially all full time employees. The cost of shares issued to the ESOP but not committed to be released to the participants is presented in the consolidated statement of condition as a reduction of shareholders' equity. ESOP shares are released to the participants on an annual basis in accordance with a predetermined schedule. The Company records ESOP compensation expense based on the shares committed to be released and allocated to the participant's accounts multiplied by the average share price of the Company's stock over the period. Dividends related to unallocated shares are recorded as compensation expense. Derivative Financial Instruments Derivatives are recorded on the statement of condition as assets and liabilities measured at their fair value. The accounting for increases and decreases in the value of derivatives depends upon the use of derivatives and whether the derivatives qualify for hedge accounting. The Company currently has one interest rate swap, which has been determined to be a cash flow hedge. The fair value of cash-flow hedging instruments ("Cash Flow Hedge") is recorded in either other assets or other liabilities. On an ongoing basis, the statement of condition is adjusted to reflect the then current fair value of the Cash Flow Hedge. The related gains or losses are reported in other comprehensive income (loss) and are subsequently reclassified into earnings, as a yield adjustment in the same period in which the related interest on the hedged item (primarily a variable-rate debt obligation) affects earnings. To the extent that the Cash Flow Hedge is not effective, the ineffective portion of the Cash Flow Hedge is immediately recognized as interest expense. As a hedge against rising short-term interest rates, the Company sold a U.S. Treasury security in the amount of $25 million during the fourth quarter of 2016. The Company was in controlling possession of, but did not own, the security which had been received as collateral, under an industry-standard repurchase agreement, for a 30-day no interest loan of approximately $25 million to an unrelated third party. The sale of this security provided the funds necessary to advance the loan to the third party and placed the Company in what is generally described as a "short position" with respect to the sold U.S. Treasury security. This transaction acted as a hedge against rising short-term interest rates because the price of the security would be expected to decline in a rising short-term interest rate environment and could be subsequently re-acquired at the conclusion of the 30-day loan period at a price lower than the price at which it was originally sold. Short-term rates rose during the 30-day loan period and, consequently, the Company recognized a gain on the sale of securities in the amount of $85,000 and a tax benefit of $34,000 when the Treasury security was repurchased. The tax benefit arose from the reversal of reserves established in prior years against the Company's deferred tax asset position as the transaction gain was characterized as a capital gain for tax purposes. This capital gain was essentially tax free to the Company as the result of the utilization of existing, previously reserved-for, capital loss tax carryforwards that were established in 2011 and 2013. The recognized tax benefit reduced the Company's effective tax rate from what would have been 26.6% to 25.2% in 2016. The gain income and the recognized tax benefits derived from this transaction were partially offset by an additional $54,000 in after-tax interest expense that increased interest expense and therefore reduced pretax net interest margin by $82,000 in the fourth quarter of 2016. In total, after-tax net income was increased by approximately $65,000 during the fourth quarter of 2016 as a result of this transaction. Prior to the commencement of this transaction, the Company incurred consulting and placement fees of $59,000, of which $53,000 has been recorded on the Company's Consolidated Statements of Condition as deferred fees. These deferred fees will be recognized ratably as interest expense on the occasions that this hedging position is reestablished in future periods. The hedge position was closed on December 23, 2016 and, other than the deferred fees of $53,000 discussed above, had no effect on the Company's consolidated financial condition at December 31, 2016. Income Taxes Provisions for income taxes are based on taxes currently payable or refundable and deferred income taxes on temporary differences between the tax basis of assets and liabilities and their reported amounts in the consolidated financial statements. Deferred tax assets and liabilities are reported in the consolidated financial statements at currently enacted income tax rates applicable to the period in which the deferred tax assets and liabilities are expected to be realized or settled. Earnings Per Share Basic earnings per common share are computed by dividing net income, after preferred stock dividends and preferred stock discount accretion, by the weighted average number of common shares outstanding throughout each year. Diluted earnings per share gives effect to weighted average shares that would be outstanding assuming the exercise of issued stock options and warrants using the treasury stock method. Unallocated shares of the Company's ESOP plan are not included when computing earnings per share until they are committed to be released. Segment Reporting The Company has evaluated the activities relating to its strategic business units. The controlling interest in the FitzGibbons Agency is dissimilar in nature and management when compared to the Company's other strategic business units which are judged to be similar in nature and management. The Company has determined that the FitzGibbons Agency is below the reporting threshold in size in accordance with Accounting Standards Codification 280. Accordingly, the Company has determined it has no reportable segments. Comprehensive Income (Loss) Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities are reported as a separate component of the equity section of the statement of condition, such items, along with net income, are components of comprehensive income. Accumulated other comprehensive loss represents the sum of these items, with the exception of net income, as of the balance sheet date and is represented in the table below. As of December 31, Accumulated Other Comprehensive Loss By Component: 2016 2015 Unrealized loss for pension and other postretirement obligations $ (2,520 ) $ (3,073 ) Tax effect 1,007 1,229 Net unrealized loss for pension and other postretirement obligations (1,513 ) (1,844 ) Unrealized loss on financial derivative instruments used in cash flow hedging relationships - (27 ) Tax effect - 11 Net unrealized loss on financial derivative instruments used in cash flow hedging relationships - (16 ) Unrealized loss on available-for-sale securities (3,072 ) (85 ) Tax effect 1,227 34 Net unrealized loss on available-for-sale securities (1,845 ) (51 ) Unrealized loss on securities transferred to held-to-maturity (774 ) (1,090 ) Tax effect 310 436 Net unrealized loss on securities transferred to held-to-maturity (464 ) (654 ) Accumulated other comprehensive loss $ (3,822 ) $ (2,565 ) Reclassifications Certain amounts in the 2015 consolidated financial statements have been reclassified to conform to the current year presentation. These reclassifications had no effect on net income as previously reported.

NEW ACCOUNTING PRONOUNCEMENTS

NEW ACCOUNTING PRONOUNCEMENTS	12 Months Ended
	Dec. 31, 2016
NEW ACCOUNTING PRONOUNCEMENTS [Abstract]
NEW ACCOUNTING PRONOUNCEMENTS	NOTE 2: NEW ACCOUNTING PRONOUNCEMENTS ASU 2016-18 , Statement of Cash Flows (Topic 230): Restricted Cash (a consensus of the FASB Emerging Issues Task Force ASU 2017-01, Business Combinations (Topic 805), Clarifying the Definition of a Business Under the current implementation guidance in Topic 805, there are three elements of a business—inputs, processes, and outputs. While an integrated set of assets and activities (collectively referred to as a "set") that is a business usually has outputs, outputs are not required to be present. In addition, all the inputs and processes that a seller uses in operating a set are not required if market participants can acquire the set and continue to produce outputs, for example, by integrating the acquired set with their own inputs and processes. The amendments in this Update provide a screen to determine when a set is not a business. The screen requires that when substantially all of the fair value of the gross assets acquired (or disposed of) is concentrated in a single identifiable asset or a group of similar identifiable assets, the set is not a business. This screen reduces the number of transactions that need to be further evaluated. If the screen is not met, the amendments in this Update (1) require that to be considered a business, a set must include, at a minimum, an input and a substantive process that together significantly contribute to the ability to create output and (2) remove the evaluation of whether a market participant could replace missing elements. The amendments provide a framework to assist entities in evaluating whether both an input and a substantive process are present. The framework includes two sets of criteria to consider that depend on whether a set has outputs. Although outputs are not required for a set to be a business, outputs generally are a key element of a business; therefore, the Board has developed more stringent criteria for sets without outputs. Lastly, the amendments in this Update narrow the definition of the term output The Company should apply the amendments in this Update to annual periods beginning after December 15, 2017, including interim periods within those periods. The amendments in this Update should be applied prospectively on or after the effective date. No disclosures are required at transition. The Company does not expect that the guidance to have a material impact on its consolidated financial statements. ASU 2017-03, Accounting Changes and Error Corrections (Topic 250) and Investments-Equity Method and Joint Ventures (Topic 323), Amendments to SEC Paragraphs Pursuant to Staff Announcements at the September 22, 2016 and November 17, 2016 EITF Meetings ASU 2017-04, Intangibles-Goodwill and Other (Topic 350), Simplifying the Test for Goodwill Impairment Instead, under the amendments in this Update, an entity should perform its annual, or interim, goodwill impairment test by comparing the fair value of a reporting unit with its carrying amount. An entity should recognize an impairment charge for the amount by which the carrying amount exceeds the reporting unit's fair value; however, the loss recognized should not exceed the total amount of goodwill allocated to that reporting unit. Additionally, an entity should consider income tax effects from any tax deductible goodwill on the carrying amount of the reporting unit when measuring the goodwill impairment loss, if applicable. The Board also eliminated the requirements for any reporting unit with a zero or negative carrying amount to perform a qualitative assessment and, if it fails that qualitative test, to perform Step 2 of the goodwill impairment test. Therefore, the same impairment assessment applies to all reporting units. An entity is required to disclose the amount of goodwill allocated to each reporting unit with a zero or negative carrying amount of net assets. An entity still has the option to perform the qualitative assessment for a reporting unit to determine if the quantitative impairment test is necessary. This Update also includes amendments to the Overview and Background Sections of the Codification (as discussed in Part II of the amendments) as part of the Board's initiative to unify and improve the Overview and Background Sections across Topics and Subtopics. These changes should not affect the related guidance in these Subtopics. An entity should apply the amendments in this Update on a prospective basis. An entity is required to disclose the nature of and reason for the change in accounting principle upon transition. That disclosure should be provided in the first annual period and in the interim period within the first annual period when the entity initially adopts the amendments in this Update. A public business entity that is a U.S. Securities and Exchange Commission (SEC) filer should adopt the amendments in this Update for its annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2019. A public business entity that is not an SEC filer should adopt the amendments in this Update for its annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2020. Early adoption is permitted for interim or annual goodwill impairment tests performed on testing dates after January 1, 2017.

EARNINGS PER SHARE

EARNINGS PER SHARE	12 Months Ended
	Dec. 31, 2016
EARNINGS PER SHARE [Abstract]
EARNINGS PER SHARE	NOTE 3: EARNINGS PER SHARE Basic earnings per share are calculated by dividing net income available to common shareholders by the weighted average number of common shares outstanding during the period. Net income available to common shareholders is net income to Pathfinder Bancorp, Inc. less the total of preferred dividends declared. Diluted earnings per share include the potential dilutive effect that could occur upon the assumed exercise of issued stock options using the Treasury Stock method. Anti-dilutive shares are common stock equivalents with average exercise prices in excess of the weighted average market price for the period presented. Anti-dilutive stock options, not included in the computation below, were 214,415 and 4,118 for the years ended 2016 and 2015, respectively. Unallocated common shares held by the ESOP are not included in the weighted-average number of common shares outstanding for purposes of calculating earnings per common share until they are committed to be released to plan participants. The following table sets forth the calculation of basic and diluted earnings per share. Years ended December 31, (In thousands, except per share data) 2016 2015 Basic Earnings Per Common Share Net income available to common shareholders $ 3,256 $ 2,759 Weighted average common shares outstanding 4,105 4,124 Basic earnings per common share $ 0.79 $ 0.67 Diluted Earnings Per Common Share Net income available to common shareholders $ 3,256 $ 2,759 Weighted average common shares outstanding 4,105 4,124 Effect of assumed exercise of stock options 85 67 Diluted weighted average common shares outstanding 4,190 4,191 Diluted earnings per common share $ 0.78 $ 0.66

INVESTMENT SECURITIES

INVESTMENT SECURITIES	12 Months Ended
	Dec. 31, 2016
INVESTMENT SECURITIES [Abstract]
INVESTMENT SECURITIES	NOTE 4: INVESTMENT SECURITIES The amortized cost and estimated fair value of investment securities are summarized as follows: December 31, 2016 Gross Gross Estimated Amortized Unrealized Unrealized Fair (In thousands) Cost Gains Losses Value Available-for-Sale Portfolio Debt investment securities: US Treasury, agencies and GSEs $ 24,263 $ 1 $ (80 ) $ 24,184 State and political subdivisions 17,185 33 (737 ) 16,481 Corporate 15,560 20 (385 ) 15,195 Asset backed securities 6,696 5 (37 ) 6,664 Residential mortgage-backed - US agency 31,204 - (638 ) 30,566 Collateralized mortgage obligations - US agency 42,124 45 (1,183 ) 40,986 Collateralized mortgage obligations - Private label 6,682 - (105 ) 6,577 Total 143,714 104 (3,165 ) 140,653 Equity investment securities: Mutual funds: Ultra short mortgage fund 643 - (17 ) 626 Common stock - financial services industry 663 13 - 676 Total 1,306 13 (17 ) 1,302 Total available-for-sale $ 145,020 $ 117 $ (3,182 ) $ 141,955 Held-to-Maturity Portfolio Debt investment securities: US Treasury, agencies and GSEs $ 4,928 $ 30 $ (18 ) $ 4,940 State and political subdivisions 30,697 572 (693 ) 30,576 Corporate 8,240 85 (228 ) 8,097 Residential mortgage-backed - US agency 6,386 31 (20 ) 6,397 Collateralized mortgage obligations - US agency 2,927 96 - 3,023 Collateralized mortgage obligations - Private label 1,467 - (71 ) 1,396 Total held-to-maturity $ 54,645 $ 814 $ (1,030 ) $ 54,429 December 31, 2015 Gross Gross Estimated Amortized Unrealized Unrealized Fair (In thousands) Cost Gains Losses Value Available-for-Sale Portfolio Debt investment securities: US Treasury, agencies and GSEs $ 21,380 $ 13 $ (85 ) $ 21,308 State and political subdivisions 8,198 107 (5 ) 8,300 Corporate 18,173 51 (96 ) 18,128 Residential mortgage-backed - US agency 32,740 113 (280 ) 32,573 Collateralized mortgage obligations - US agency 16,880 95 (142 ) 16,833 Total 97,371 379 (608 ) 97,142 Equity investment securities: Mutual funds: Ultra short mortgage fund 643 - (5 ) 638 Large cap equity fund 456 127 - 583 Common stock - financial services industry 554 25 - 579 Total 1,653 152 (5 ) 1,800 Total available-for-sale $ 99,024 $ 531 $ (613 ) $ 98,942 Held-to-Maturity Portfolio Debt investment securities: US Treasury, agencies and GSEs $ 7,860 $ 81 $ (29 ) $ 7,912 State and political subdivisions 21,585 881 - 22,466 Corporate 4,175 53 (3 ) 4,225 Residential mortgage-backed - US agency 7,763 137 (5 ) 7,895 Collateralized mortgage obligations - US agency 2,914 103 - 3,017 Total held-to-maturity $ 44,297 $ 1,255 $ (37 ) $ 45,515 The majority of the Company's investments in mortgage-backed securities include pass-through securities and collateralized mortgage obligations issued and guaranteed by Fannie Mae, Freddie Mac, and Ginnie Mae. As of December 31, 2016, the Company also held a total of seven private-label mortgage-backed securities or collateralized mortgage obligations with an aggregate book balance of $9.8 million and five private-label asset backed securities collateralized by consumer loans with an aggregate book balance of $6.7 million. These investments are relatively short-duration securities with significant credit enhancements. There were no private-label investments in the securities portfolio at December 31, 2015. The Company's investments in state and political obligation securities are generally municipal obligations that are categorized as general obligations of the issuer that are supported by the overall taxing authority of the issuer, and in some cases are insured. The obligations issued by school districts are generally supported by state administered insurance funds or credit enhancement programs. The amortized cost and estimated fair value of debt investments at December 31, 2016 by contractual maturity are shown below. Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without penalties. Available-for-Sale Held-to-Maturity Amortized Estimated Amortized Estimated Cost Fair Value Cost Fair Value (In thousands) Due in one year or less $ 14,678 $ 14,680 $ 206 $ 205 Due after one year through five years 27,008 26,854 10,173 10,259 Due after five years through ten years 10,732 10,545 17,823 18,139 Due after ten years 11,286 10,445 15,663 15,010 Sub-total 63,704 62,524 43,865 43,613 Residential mortgage-backed - US agency 31,204 30,566 6,386 6,397 Collateralized mortgage obligations - US agency 42,124 40,986 2,927 3,023 Collateralized mortgage obligations - Private label 6,682 6,577 1,467 1,396 Totals $ 143,714 $ 140,653 $ 54,645 $ 54,429 The Company's investment securities' gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, is as follows: December 31, 2016 Less than Twelve Months Twelve Months or More Total Number of Number of Number of Individual Unrealized Fair Individual Unrealized Fair Individual Unrealized Fair Securities Losses Value Securities Losses Value Securities Losses Value (Dollars in thousands) Available-for-Sale US Treasury, agencies and GSE's 6 $ (80 ) $ 22,161 - $ - $ - 6 $ (80 ) $ 22,161 State and political subdivisions 53 (737 ) 14,057 - - - 53 (737 ) 14,057 Corporate 10 (385 ) 10,587 - - - 10 (385 ) 10,587 Asset backed securities 3 (37 ) 4,455 - - - 3 (37 ) 4,455 Equity and other investments 1 (17 ) 626 - - - 1 (17 ) 626 Residential mortgage-backed - US agency 23 (638 ) 29,849 - - - 23 (638 ) 29,849 Collateralized mortgage obligations - US agency 28 (1,087 ) 33,376 4 (96 ) 2,514 32 (1,183 ) 35,890 Collateralized mortgage obligations - Private label 5 (105 ) 6,577 - - - 5 (105 ) 6,577 Totals 129 $ (3,086 ) $ 121,688 4 $ (96 ) $ 2,514 133 $ (3,182 ) $ 124,202 Held-to-Maturity US Treasury, agencies and GSE's 1 $ (18 ) $ 982 - $ - $ - 1 $ (18 ) $ 982 State and political subdivisions 16 (693 ) 10,038 - - - 16 (693 ) 10,038 Corporate 5 (228 ) 4,402 - - - 5 (228 ) 4,402 Residential mortgage-backed - US agency 3 (20 ) 1,869 - - - 3 (20 ) 1,869 Collateralized mortgage obligations - US agency - - - - - - - - - Collateralized mortgage obligations - Private label 1 (71 ) 1,396 - - - 1 (71 ) 1,396 Totals 26 $ (1,030 ) $ 18,687 - $ - $ - 26 $ (1,030 ) $ 18,687 December 31, 2015 Less than Twelve Months Twelve Months or More Total Number of Number of Number of Individual Unrealized Fair Individual Unrealized Fair Individual Unrealized Fair Securities Losses Value Securities Losses Value Securities Losses Value (Dollars in thousands) Available-for-Sale US Treasury, agencies and GSE's 9 $ (70 ) $ 13,382 1 $ (15 ) $ 984 10 $ (85 ) $ 14,366 State and political subdivisions 13 (4 ) 1,894 3 (1 ) 339 16 (5 ) 2,233 Corporate 10 (57 ) 8,123 2 (39 ) 2,820 12 (96 ) 10,943 Asset backed securities - - - - - - - - - Equity and other investments 1 (5 ) 638 - - - 1 (5 ) 638 Residential mortgage-backed - US agency 14 (148 ) 20,204 5 (132 ) 4,812 19 (280 ) 25,016 Collateralized mortgage obligations - US agency 6 (80 ) 8,618 3 (62 ) 1,789 9 (142 ) 10,407 Collateralized mortgage obligations - Private label - - - - - - - - - Totals 53 $ (364 ) $ 52,859 14 $ (249 ) $ 10,744 67 $ (613 ) $ 63,603 Held-to-Maturity US Treasury, agencies and GSE's 2 $ (29 ) $ 2,970 - $ - $ - 2 $ (29 ) $ 2,970 State and political subdivisions - - - - - - - - - Corporate 1 (3 ) 225 - - - 1 (3 ) 225 Residential mortgage-backed - US agency 1 (5 ) 795 - - - 1 (5 ) 795 Collateralized mortgage obligations - US agency - - - - - - - - - Collateralized mortgage obligations - Private label - - - - - - - - - Totals 4 $ (37 ) $ 3,990 - $ - $ - 4 $ (37 ) $ 3,990 The Company conducts a formal review of investment securities on a quarterly basis for the presence of other-than-temporary impairment ("OTTI"). The Company assesses whether OTTI is present when the fair value of a debt security is less than its amortized cost basis at the statement of condition date. Under these circumstances, OTTI is considered to have occurred (1) if we intend to sell the security; (2) if it is "more likely than not" we will be required to sell the security before recovery of its amortized cost basis; or (3) the present value of expected cash flows is not anticipated to be sufficient to recover the entire amortized cost basis. The guidance requires that credit-related OTTI is recognized in earnings while non-credit-related OTTI on securities not expected to be sold is recognized in other comprehensive income ("OCI"). Non-credit-related OTTI is based on other factors, including illiquidity and changes in the general interest rate environment. Presentation of OTTI is made in the consolidated statement of income on a gross basis, including both the portion recognized in earnings as well as the portion recorded in OCI. The gross OTTI would then be offset by the amount of non-credit-related OTTI, showing the net as the impact on earnings. Management does not believe any individual unrealized loss in other securities within the portfolio as of December 31, 2016 represents OTTI. All securities which have been in an unrealized loss position for 12 months or more are issued by United States agencies or government sponsored enterprises and consist of mortgage-backed securities, collateralized mortgage obligations and direct agency financings. These positions in US government agency and government-sponsored enterprises are deemed to have no credit impairment, thus, the disclosed unrealized losses relate directly to changes in interest rates subsequent to the acquisition of the individual securities. The Company does not intend to sell these securities, nor is it more likely than not that the Company will be required to sell these securities prior to the recovery of the amortized cost. In determining whether OTTI has occurred for equity securities, the Company considers the applicable factors described above and the length of time the equity security's fair value has been below the carrying amount. Management has determined that we have the intent and ability to retain its equity securities for a sufficient period of time to allow for recovery. At December 31, 2016 and 2015, the Company had one mutual fund investment, categorized as an equity security, with a fair value below its book value. This security, which represents an ownership interest in a mutual fund primarily invested in adjustable-rate mortgage securities, had a fair value of $626,000 at December 31, 2016, which was below its book value by $17,000 at that date. This same security had a fair value of $638,000 at December 31, 2015 and that value was $5,000 below its book value at that date. Proceeds of $33.2 million and $25.2 million, respectively on sales and redemptions of securities for the years ended December 31 resulted in gross realized gains (losses) detailed below: (In thousands) 2016 2015 Realized gains on investments $ 526 $ 439 Realized gains on hedging activity 85 - Realized losses on investments (17 ) (17 ) $ 594 $ 422 As of December 31, 2016 and December 31, 2015, securities with a fair value of $96.4 million and $89.7 million, respectively, were pledged to collateralize certain municipal deposit relationships. As of the same dates, securities with a fair value of $12.9 million and $17.8 million were pledged against certain borrowing arrangements. Management has reviewed its loan and mortgage-backed securities portfolios and determined that, to the best of its knowledge, little or no exposure exists to sub-prime or other high-risk residential mortgages. The Company is not in the practice of investing in, or originating, these types of investments or loans.

LOANS

LOANS	12 Months Ended
	Dec. 31, 2016
LOANS [Abstract]
LOANS	NOTE 5: LOANS Major classifications of loans are as follows: December 31, December 31, (In thousands) 2016 2015 Residential mortgage loans: 1-4 family first-lien residential mortgages $ 199,000 $ 181,792 Construction 8,505 7,924 Total residential mortgage loans 207,505 189,716 Commercial loans: Real estate 150,698 129,506 Lines of credit 23,225 19,035 Other commercial and industrial 67,646 54,899 Tax exempt loans 12,523 9,081 Total commercial loans 254,092 212,521 Consumer loans: Home equity and junior liens 24,722 23,463 Other consumer 6,293 4,886 Total consumer loans 31,015 28,349 Total loans 492,612 430,586 Net deferred loan fees (465 ) (148 ) Less allowance for loan losses (6,247 ) (5,706 ) Loans receivable, net $ 485,900 $ 424,732 The Company originates residential mortgage, commercial and consumer loans largely to customers throughout Oswego, Onondaga and surrounding counties. Although the Company has a diversified loan portfolio, a substantial portion of its borrowers' abilities to honor their contracts is dependent upon the counties' employment and economic conditions. As of December 31, 2016 and December 31, 2015, residential mortgage loans with a carrying value of $140.3 million and $125.8 million, respectively, have been pledged by the Company to the Federal Home Loan Bank of New York ("FHLBNY") under a blanket collateral agreement to secure the Company's line of credit and term borrowings. Loan Origination / Risk Management The Company has lending policies and procedures in place that are designed to maximize loan income within an acceptable level of risk. Management and the board of directors reviews and approves these policies and procedures on a regular basis. A reporting system supplements the review process by frequently providing management with reports related to loan production, loan quality, loan delinquencies, nonperforming and potential problem loans. Diversification in the loan portfolio is a means of managing risk associated with fluctuations in economic conditions. Risk Characteristics of Portfolio Segments Each portfolio segment generally carries its own unique risk characteristics. The residential mortgage loan segment is impacted by general economic conditions, unemployment rates in the Bank's service area, real estate values and the forward expectation of improvement or deterioration in economic conditions. The commercial loan segment is impacted by general economic conditions but, more specifically, the industry segment in which each borrower participates. Unique competitive changes within a borrower's specific industry, or geographic location could cause significant changes in the borrower's revenue stream, and therefore, impact its ability to repay its obligations. Commercial real estate is also subject to general economic conditions but changes within this segment typically lag changes seen within the consumer and commercial segment. Included within this portfolio are both owner occupied real estate, in which the borrower occupies the majority of the real estate property and upon which the majority of the sources of repayment of the obligation is dependent upon, and non-owner occupied real estate, in which several tenants comprise the repayment source for this portfolio segment. The composition and competitive position of the tenant structure may cause adverse changes in the repayment of debt obligations for the non-owner occupied class within this segment. The consumer loan segment is impacted by general economic conditions, unemployment rates in the Company's service area, and the forward expectation of improvement or deterioration in economic conditions. Real estate loans, including residential mortgages, commercial real estate loans and home equity, comprise 78% of the portfolio in 2016, substantially identical to the composition in 2015, where such loans represented 81% of total loans. Loans secured by real estate generally provide strong collateral protection and thus significantly reduce the inherent credit risk in the portfolio. Management has reviewed its loan portfolio and determined that, to the best of its knowledge, little or no exposure exists to sub-prime or other high-risk residential mortgages. The Company is not in the practice of originating these types of loans. Description of Credit Quality Indicators The Company utilizes an eight tier risk rating system to evaluate the quality of its loan portfolio. Loans that are risk rated "1" through "4" are considered "Pass" loans. In accordance with regulatory guidelines, loans rated "5" through "8" are termed "criticized" loans and loans rated "6" through "8" are termed "classified" loans. A description of the Company's credit quality indicators follows. For Commercial Loans: 1. Prime 2. Strong 3. Satisfactory 4. Satisfactory Watch: 5. Special Mention 6. Substandard 7. Doubtful 8. Loss For Residential Mortgage and Consumer Loans: Residential mortgage and consumer loans are assigned a "Pass" rating unless the loan has demonstrated signs of weakness as indicated by the ratings below. 5. Special Mention 6. Substandard 7. Doubtful The risk ratings for classified loans are evaluated at least quarterly for commercial loans or when credit deficiencies arise, such as delinquent loan payments, for commercial, residential mortgage or consumer loans. See further discussion of risk ratings in Note 1. The following table presents the segments and classes of the loan portfolio summarized by the aggregate pass rating and the criticized and classified ratings of special mention, substandard and doubtful within the Company's internal risk rating system: As of December 31, 2016 Special (In thousands) Pass Mention Substandard Doubtful Total Residential mortgage loans: 1-4 family first-lien residential mortgages $ 194,377 $ 1,445 $ 2,115 $ 1,063 $ 199,000 Construction 8,505 - - - 8,505 Total residential mortgage loans 202,882 1,445 2,115 1,063 207,505 Commercial loans: Real estate 143,126 3,714 3,858 - 150,698 Lines of credit 22,141 684 400 - 23,225 Other commercial and industrial 66,279 661 702 4 67,646 Tax exempt loans 12,523 - - - 12,523 Total commercial loans 244,069 5,059 4,960 4 254,092 Consumer loans: Home equity and junior liens 23,963 170 389 200 24,722 Other consumer 6,224 17 8 44 6,293 Total consumer loans 30,187 187 397 244 31,015 Total loans $ 477,138 $ 6,691 $ 7,472 $ 1,311 $ 492,612 As of December 31, 2015 Special (In thousands) Pass Mention Substandard Doubtful Total Residential mortgage loans: 1-4 family first-lien residential mortgages $ 177,244 $ 1,375 $ 2,425 $ 748 $ 181,792 Construction 7,924 - - - 7,924 Total residential mortgage loans 185,168 1,375 2,425 748 189,716 Commercial loans: Real estate 121,283 4,345 3,878 - 129,506 Lines of credit 17,358 1,469 208 - 19,035 Other commercial and industrial 53,540 848 504 7 54,899 Tax exempt loans 9,081 - - - 9,081 Total commercial loans 201,262 6,662 4,590 7 212,521 Consumer loans: Home equity and junior liens 22,780 182 287 214 23,463 Other consumer 4,840 31 15 - 4,886 Total consumer loans 27,620 213 302 214 28,349 Total loans $ 414,050 $ 8,250 $ 7,317 $ 969 $ 430,586 Nonaccrual and Past Due Loans Loans are considered past due if the required principal and interest payments have not been received within thirty days of the payment due date. An age analysis of past due loans, exclusive of deferred costs, segregated by class of loans were as follows: As of December 31, 2016 30-59 Days 60-89 Days 90 Days Past Due Past Due and Over Total Total Loans (In thousands) And Accruing And Accruing Past Due Current Receivable Residential mortgage loans: 1-4 family first-lien residential mortgages $ 1,247 $ 832 $ 2,560 $ 4,639 $ 194,361 $ 199,000 Construction - - - - 8,505 8,505 Total residential mortgage loans 1,247 832 2,560 4,639 202,866 207,505 Commercial loans: Real estate 1,063 375 1,223 2,661 148,037 150,698 Lines of credit 819 - - 819 22,406 23,225 Other commercial and industrial 333 - 640 973 66,673 67,646 Tax exempt loans - - - - 12,523 12,523 Total commercial loans 2,215 375 1,863 4,453 249,639 254,092 Consumer loans: Home equity and junior liens 105 157 338 600 24,122 24,722 Other consumer 8 13 50 71 6,222 6,293 Total consumer loans 113 170 388 671 30,344 31,015 Total loans $ 3,575 $ 1,377 $ 4,811 $ 9,763 $ 482,849 $ 492,612 As of December 31, 2015 30-59 Days 60-89 Days 90 Days Past Due Past Due and Over Total Total Loans (In thousands) And Accruing And Accruing Past Due Current Receivable Residential mortgage loans: 1-4 family first-lien residential mortgages $ 1,115 $ 808 $ 1,715 $ 3,638 $ 178,154 $ 181,792 Construction - - - - 7,924 7,924 Total residential mortgage loans 1,115 808 1,715 3,638 186,078 189,716 Commercial loans: Real estate 940 135 2,694 3,769 125,737 129,506 Lines of credit 20 - 174 194 18,841 19,035 Other commercial and industrial 159 216 370 745 54,154 54,899 Tax exempt loans - - - - 9,081 9,081 Total commercial loans 1,119 351 3,238 4,708 207,813 212,521 Consumer loans: Home equity and junior liens 132 - 360 492 22,971 23,463 Other consumer 14 15 5 34 4,852 4,886 Total consumer loans 146 15 365 526 27,823 28,349 Total loans $ 2,380 $ 1,174 $ 5,318 $ 8,872 $ 421,714 $ 430,586 Year-end nonaccrual loans, segregated by class of loan, were as follows: December 31, December 31, (In thousands) 2016 2015 Residential mortgage loans: 1-4 family first-lien residential mortgages $ 2,560 $ 1,715 2,560 1,715 Commercial loans: Real estate 1,223 2,694 Lines of credit - 174 Other commercial and industrial 640 370 1,863 3,238 Consumer loans: Home equity and junior liens 338 360 Other consumer 50 5 388 365 Total nonaccrual loans $ 4,811 $ 5,318 There were no loans past due ninety days or more and still accruing interest at December 31, 2016 or 2015. The Company is required to disclose certain activities related to Troubled Debt Restructurings ("TDR") in accordance with accounting guidance. Certain loans have been modified in a TDR where economic concessions have been granted to a borrower who is experiencing, or expected to experience, financial difficulties. These economic concessions could include a reduction in the loan interest rate, extension of payment terms, reduction of principal amortization, or other actions that it would not otherwise consider for a new loan with similar risk characteristics. The Company is required to disclose new TDRs for each reporting period for which an income statement is being presented. Pre-modification outstanding recorded investment is the principal loan balance less the provision for loan losses before the loan was modified as a TDR. Post-modification outstanding recorded investment is the principal balance less the provision for loan losses after the loan was modified as a TDR. Additional provision for loan losses is the change in the allowance for loan losses between the pre-modification outstanding recorded investment and post-modification outstanding recorded investment. For the year ended December 31, 2016 (In thousands) Number of loans Pre-modification outstanding recorded investment Post-modification outstanding recorded investment Additional provision for loan losses Individually evaluated for impairment: Residential mortgage loans 3 $ 127 $ 135 $ 29 Commercial real estate loans 1 2,088 2,088 - The TDRs individually evaluated for impairment have been classified as TDRs due to economic concessions granted, which consisted of additional funds advanced without associated increases in collateral, interest rate reduction, extended term and/or extended interest only payment terms. The Company was required to increase the specific reserves against the loans individually reviewed for impairment by $29,000, which was a component of the provision for loan losses in the fourth quarter of 2016. The Company changed the criteria for evaluating impairment on TDRs as of December 31, 2016 to include all TDRs, regardless of the size of the loan, to be individually evaluated for impairment. The Company previously established thresholds of $100,000 for residential and consumer loans and $300,000 for commercial real estate loans, commercial lines and loans and tax exempt loans for reviewing TDRs individually for impairment. TDRs below these threshold amounts were collectively evaluated for impairment as of December 31, 2015. For the year ended December 31, 2015 (In thousands) Number of loans Pre-modification outstanding recorded investment Post-modification outstanding recorded investment Additional provision for loan losses Individually evaluated for impairment: Commercial real estate loans 1 $ 678 $ 324 $ 354 Collectively evaluated for impairment: Residential mortgage loans 2 $ 69 $ 79 $ - The TDR individually evaluated for impairment has been classified as a TDR due to the economic concessions granted, which included extended payment terms without an associated increase in collateral. The Company was required to increase the specific reserve against this loan by an additional $354,000, which was a component of the provision for loan losses in the second quarter of 2015. The TDRs collectively evaluated for impairment were included in the general loan loss allocation and qualitative review and the impact on the allowance for loan losses was immaterial. The Company is required to disclose loans that have been modified as TDRs within the previous 12 months in which there was payment default after the restructuring. The Company defines payment default as any loans 90 days past due on contractual payments. The Company had no loans that had been modified as TDRs during the twelve months prior to December 31, 2016, which had subsequently defaulted during the year ended December 31, 2016. The Company had no loans that had been modified as TDRs during the twelve months prior to December 31, 2015, which had subsequently defaulted during the year ended December 31, 2015. When the Company modifies a loan within a portfolio segment that is individually evaluated for impairment, a potential impairment is analyzed either based on the present value of the expected future cash flows discounted at the interest rate of the original loan terms or the fair value of the collateral less costs to sell. If it is determined that the value of the loan is less than its recorded investment, then impairment is recognized as a component of the provision for loan losses, an associated increase to the allowance for loan losses or as a charge-off to the allowance for loan losses in the current period. Impaired Loans The following table summarizes impaired loans information by portfolio class: December 31, 2016 December 31, 2015 Unpaid Unpaid Recorded Principal Related Recorded Principal Related (In thousands) Investment Balance Allowance Investment Balance Allowance With no related allowance recorded: 1-4 family first-lien residential mortgages $ 850 $ 857 $ - $ 473 $ 473 $ - Commercial real estate 4,254 4,344 - 2,580 2,709 - Commercial lines of credit 400 400 - 574 597 - Other commercial and industrial 470 470 - 536 569 - Home equity and junior liens 140 140 - 187 187 - Other consumer - - - 5 6 - With an allowance recorded: 1-4 family first-lien residential mortgages 763 763 117 - - - Commercial real estate 818 872 455 1,850 1,963 760 Commercial lines of credit - - - 5 5 5 Other commercial and industrial 552 552 553 224 230 193 Home equity and junior liens 345 345 5 101 101 2 Total: 1-4 family first-lien residential mortgages 1,613 1,620 117 473 473 - Commercial real estate 5,072 5,216 455 4,430 4,672 760 Commercial lines of credit 400 400 - 579 602 5 Other commercial and industrial 1,022 1,022 553 760 799 193 Home equity and junior liens 485 485 5 288 288 2 Other consumer - - - 5 6 - Totals $ 8,592 $ 8,743 $ 1,130 $ 6,535 $ 6,840 $ 960 The following table presents the average recorded investment in impaired loans for the years ended December 31: (In thousands) 2016 2015 1-4 family first-lien residential mortgages $ 777 $ 671 Commercial real estate 4,325 4,742 Commercial lines of credit 479 520 Other commercial and industrial 724 803 Home equity and junior liens 325 305 Other consumer 2 7 Total $ 6,632 $ 7,048 The following table presents the cash basis interest income recognized on impaired loans for the years ended December 31: (In thousands) 2016 2015 1-4 family first-lien residential mortgages $ 64 $ 17 Commercial real estate 161 92 Commercial lines of credit - - Other commercial and industrial 66 29 Home equity and junior liens 13 - Other consumer - - Total $ 304 $ 138

ALLOWANCE FOR LOAN LOSSES

ALLOWANCE FOR LOAN LOSSES	12 Months Ended
	Dec. 31, 2016
Allowance for Loan Losses [Abstract]
ALLOWANCE FOR LOAN LOSSES	NOTE 6: ALLOWANCE FOR LOAN LOSSES Changes in the allowance for loan losses for the years ended December 31, 2016 and 2015 and information pertaining to the allocation of the allowance for loan losses and balances of the allowance for loan losses and loans receivable based on individual and collective impairment evaluation by loan portfolio class at the indicated dates are summarized in the tables below. An allocation of a portion of the allowance to a given portfolio class does not limit the Company's ability to absorb losses in another portfolio class. December 31, 2016 1-4 family first-lien Other residential Commercial Commercial commercial (In thousands) mortgage Construction real estate lines of credit and industrial Allowance for loan losses: Beginning Balance $ 581 $ - $ 2,983 $ 401 $ 1,270 Charge-offs (242 ) - - (69 ) - Recoveries 13 - 6 11 14 Provisions (credits) 407 - (54 ) 54 374 Ending balance $ 759 $ - $ 2,935 $ 397 $ 1,658 Ending balance: related to loans individually evaluated for impairment $ 117 $ - $ 455 $ - $ 553 Ending balance: related to loans collectively evaluated for impairment $ 642 $ - $ 2,480 $ 397 $ 1,105 Loans receivables: Ending balance $ 199,000 $ 8,505 $ 150,698 $ 23,225 $ 67,646 Ending balance: individually evaluated for impairment $ 1,613 $ - $ 5,072 $ 400 $ 1,022 Ending balance: collectively evaluated for impairment $ 197,387 $ 8,505 $ 145,626 $ 22,825 $ 66,624 Home equity Other Tax exempt and junior liens consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 3 $ 350 $ 118 $ - $ 5,706 Charge-offs - (147 ) (61 ) - (519 ) Recoveries - 10 53 - 107 Provisions (credits) (2 ) 118 56 - 953 Ending balance $ 1 $ 331 $ 166 $ - $ 6,247 Ending balance: related to loans individually evaluated for impairment $ - $ 5 $ - $ - $ 1,130 Ending balance: related to loans collectively evaluated for impairment $ 1 $ 326 $ 166 $ - $ 5,117 Loans receivables: Ending balance $ 12,523 $ 24,722 $ 6,293 $ 492,612 Ending balance: individually evaluated for impairment $ - $ 485 $ - $ 8,592 Ending balance: collectively evaluated for impairment $ 12,523 $ 24,237 $ 6,293 $ 484,020 December 31, 2015 1-4 family first-lien Other residential Commercial Commercial commercial (In thousands) mortgage Construction real estate lines of credit and industrial Allowance for loan losses: Beginning Balance $ 509 $ - $ 2,801 $ 460 $ 1,034 Charge-offs (234 ) - (308 ) (206 ) (272 ) Recoveries 40 - - 38 10 Provisions 266 - 490 109 498 Ending balance $ 581 $ - $ 2,983 $ 401 $ 1,270 Ending balance: related to loans individually evaluated for impairment $ - $ - $ 760 $ 5 $ 193 Ending balance: related to loans collectively evaluated for impairment $ 581 $ - $ 2,223 $ 396 $ 1,077 Loans receivables: Ending balance $ 181,792 $ 7,924 $ 129,506 $ 19,035 $ 54,899 Ending balance: individually evaluated for impairment $ 473 $ - $ 4,430 $ 579 $ 760 Ending balance: collectively evaluated for impairment $ 181,319 $ 7,924 $ 125,076 $ 18,456 $ 54,139 Home equity Other Tax exempt and junior liens consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 3 $ 388 $ 98 $ 56 $ 5,349 Charge-offs - (26 ) (103 ) - (1,149 ) Recoveries - 10 59 - 157 Provisions (credits) - (22 ) 64 (56 ) 1,349 Ending balance $ 3 $ 350 $ 118 $ - $ 5,706 Ending balance: related to loans individually evaluated for impairment $ - $ 2 $ - $ - $ 960 Ending balance: related to loans collectively evaluated for impairment $ 3 $ 348 $ 118 $ - $ 4,746 Loans receivables: Ending balance $ 9,081 $ 23,463 $ 4,886 $ 430,586 Ending balance: individually evaluated for impairment $ - $ 288 $ 5 $ 6,535 Ending balance: collectively evaluated for impairment $ 9,081 $ 23,175 $ 4,881 $ 424,051 The Company's methodology for determining its allowance for loan losses includes an analysis of qualitative factors that are added to the historical loss rates in arriving at the total allowance for loan losses needed for this general pool of loans. The qualitative factors include:  Changes in national and local economic trends;  The rate of growth in the portfolio;  Trends of delinquencies and nonaccrual balances;  Changes in loan policy; and  Changes in lending management experience and related staffing. Each factor is assigned a value to reflect improving, stable or declining conditions based on management's best judgment using relevant information available at the time of the evaluation. These qualitative factors, applied to each product class, make the evaluation inherently subjective, as it requires material estimates that may be susceptible to significant revision as more information becomes available. Adjustments to the factors are supported through documentation of changes in conditions in a narrative accompanying the allowance for loan losses analysis and calculation. The allocation of the allowance for loan losses summarized on the basis of the Company's calculation methodology was as follows: December 31, 2016 1-4 family first-lien Other residential Commercial Commercial commercial (In thousands) mortgage Construction real estate lines of credit and industrial Specifically reserved $ 117 $ - $ 455 $ - $ 553 Historical loss rate 106 - 45 31 50 Qualitative factors 536 - 2,435 366 1,055 Total $ 759 $ - $ 2,935 $ 397 $ 1,658 Home equity Other (In thousands) Tax exempt and junior liens consumer Unallocated Total Specifically reserved $ - $ 5 $ - $ - $ 1,130 Historical loss rate - 35 16 - 283 Qualitative factors 1 291 150 - 4,834 Total $ 1 $ 331 $ 166 $ - $ 6,247 December 31, 2015 1-4 family first-lien Other residential Commercial Commercial commercial (In thousands) mortgage Construction real estate lines of credit and industrial Specifically reserved $ - $ - $ 760 $ 5 $ 193 Historical loss rate 70 - 97 49 54 Qualitative factors 511 - 2,126 347 1,023 Total $ 581 $ - $ 2,983 $ 401 $ 1,270 Home equity Other (In thousands) Tax exempt and junior liens consumer Unallocated Total Specifically reserved $ - $ 2 $ - $ - $ 960 Historical loss rate - 26 25 - 321 Qualitative factors 3 322 93 - 4,425 Total $ 3 $ 350 $ 118 $ - $ 5,706

SERVICING

SERVICING	12 Months Ended
	Dec. 31, 2016
SERVICING [Abstract]
SERVICING	NOTE 7: SERVICING Loans serviced for others are not included in the accompanying consolidated statements of condition. At December 31, 2016 and 2015, the Bank serviced 268 and 317 residential mortgage loans for others, respectively. The unpaid principal balances of mortgage loans serviced for others were $17.0 million and $20.9 million at December 31, 2016 and 2015, respectively. The balance of capitalized servicing rights included in other assets at December 31, 2016 and 2015, was $40,000 and $52,000, respectively. The following summarizes mortgage servicing rights capitalized and amortized: (In thousands) 2016 2015 Mortgage servicing rights capitalized $ - $ - Mortgage servicing rights amortized $ 12 $ 14

PREMISES AND EQUIPMENT

PREMISES AND EQUIPMENT	12 Months Ended
	Dec. 31, 2016
PREMISES AND EQUIPMENT [Abstract]
PREMISES AND EQUIPMENT	NOTE 8: PREMISES AND EQUIPMENT A summary of premises and equipment at December 31, is as follows: (In thousands) 2016 2015 Land $ 2,205 $ 2,176 Buildings 13,704 12,111 Furniture, fixtures and equipment 12,948 11,194 Construction in progress 455 2,502 29,312 27,983 Less: Accumulated depreciation 14,135 13,149 $ 15,177 $ 14,834

FORECLOSED REAL ESTATE

FORECLOSED REAL ESTATE	12 Months Ended
	Dec. 31, 2016
FORECLOSED REAL ESTATE [Abstract]
FORECLOSED REAL ESTATE	NOTE 9: FORECLOSED REAL ESTATE The Company is required to disclose the carrying amount of foreclosed residential real estate properties held as a result of obtaining physical possession of the property at each reporting period. December 31, December 31, (Dollars in thousands) Number of properties 2016 Number of properties 2015 Foreclosed residential real estate 7 $ 393 2 $ 182 At December 31, 2016, the Company reported $659,000 in residential real estate loans in the process of foreclosure.

GOODWILL AND INTANGIBLE ASSETS

GOODWILL AND INTANGIBLE ASSETS	12 Months Ended
	Dec. 31, 2016
GOODWILL AND INTANGIBLE ASSETS [Abstract]
GOODWILL AND INTANGIBLE ASSETS	NOTE 10: GOODWILL AND INTANGIBLE ASSETS Goodwill represents the excess cost of an acquisition over the fair value of the net assets acquired. Goodwill is not amortized, but is evaluated annually for impairment or between annual evaluations in certain circumstances. Management performs an annual assessment of the Company's goodwill to determine whether or not any impairment of the carrying value may exist. Of the $4.5 million of goodwill carried on the Company's books as of December 31, 2016, $3.8 million of this amount was due to prior periods acquisitions of bank branches and $696,000 was due to the 2013 acquisition of the FitzGibbons Agency by Pathfinder Risk Management Company, Inc. and the 2015 acquisition of the Huntington Agency in suburban Syracuse. The Company is permitted to assess qualitative factors to determine if it is more likely than not that the fair value of the reporting unit is less than the carrying value. Based on the results of the assessment, management has determined that the carrying value of goodwill in the amount of $4.5 million is not impaired as of December 31, 2016. The identifiable intangible asset of $198,000 as of December 31, 2016 was due to the acquisition of the FitzGibbons and Huntington Agencies and represents the amortized carrying amount of the customer lists intangible. The weighted average amortization period of this intangible asset is 7.0 years. The gross carrying amount and annual amortization for this identifiable intangible asset are as follows: December 31, (In thousands) 2016 2015 Gross carrying amount $ 214 $ 175 Addition due to Huntington Agency purchase - 55 Amortization recognized in the year (16 ) (16 ) Net amortizing intangibles $ 198 $ 214 The estimated amortization expense for each of the five succeeding years ended December 31, is as follows: (In thousands) 2017 $ 16 2018 16 2019 16 2020 16 2021 16 Thereafter 118 $ 198

DEPOSITS

DEPOSITS	12 Months Ended
	Dec. 31, 2016
DEPOSITS [Abstract]
DEPOSITS	NOTE 11: DEPOSITS A summary of deposits at December 31 is as follows: (In thousands) 2016 2015 Savings accounts $ 80,139 $ 73,540 Time accounts 132,007 111,250 Time accounts of $250,000 or more 57,349 35,213 Money management accounts 14,718 14,081 MMDA accounts 192,692 146,862 Demand deposit interest-bearing 53,587 42,758 Demand deposit noninterest-bearing 75,282 61,679 Mortgage escrow funds 5,209 4,932 Total Deposits $ 610,983 $ 490,315 At December 31, 2016, the scheduled maturities of time deposits are as follows: (In thousands) Year of Maturity: 2017 $ 119,945 2018 38,693 2019 8,774 2020 14,313 2021 4,770 Thereafter 2,861 Total $ 189,356 In addition to deposits obtained from its business operations within its target market areas, the Bank also obtains brokered deposits through various programs administered by Promontory Interfinancial Network. At December 31, 2016 2015 (In thousands) Non-Brokered Brokered Total Non-Brokered Brokered Total Savings accounts $ 80,139 $ - $ 80,139 $ 73,540 $ - $ 73,540 Time accounts 89,200 42,807 132,007 78,234 33,016 111,250 Time accounts of $250,000 or more 57,349 - 57,349 35,213 - 35,213 Money management accounts 14,718 - 14,718 14,081 - 14,081 MMDA accounts 105,755 86,937 192,692 99,187 47,675 146,862 Demand deposit interest-bearing 53,587 - 53,587 42,758 - 42,758 Demand deposit noninterest-bearing 75,282 - 75,282 61,679 - 61,679 Mortgage escrow funds 5,209 - 5,209 4,932 - 4,932 Total Deposits $ 481,239 $ 129,744 $ 610,983 $ 409,624 $ 80,691 $ 490,315

BORROWED FUNDS

BORROWED FUNDS	12 Months Ended
	Dec. 31, 2016
BORROWED FUNDS [Abstract]
BORROWED FUNDS	NOTE 12: BORROWED FUNDS The composition of borrowings (excluding subordinated loans) at December 31 is as follows: (In thousands) 2016 2015 Short-term: FHLB Advances $ 42,000 $ 24,800 Deferred fees hedging (53 ) - Total short-term borrowings $ 41,947 $ 24,800 Long-term: FHLB advances $ 17,000 $ 16,500 Total long-term borrowings $ 17,000 $ 16,500 The principal balances, interest rates and maturities of the remaining borrowings, all of which are at a fixed rate, at December 31, 2016 are as follows: Term Principal Rates (Dollars in thousands) Advances with FHLB due within 1 year $ 7,000 0.78-2.56 % due within 2 years 2,000 1.04 % due within 10 years 8,000 1.16-2.55 % Total advances with FHLB $ 17,000 Total long-term fixed rate borrowings $ 17,000 At December 31, 2016, scheduled repayments of long-term debt are as follows: (In thousands) 2017 $ 7,000 2018 2,000 2019 5,000 2020 1,000 2021 - Thereafter 2,000 $ 17,000 The Company has access to Federal Home Loan Bank advances, under which it can borrow at various terms and interest rates. Residential mortgage loans with a carrying value of $140.3 million and FHLB stock with a carrying value of $3.3 million have been pledged by the Company under a blanket collateral agreement to secure the Company's borrowings at December 31, 2016. The total outstanding indebtedness under borrowing facilities with the FHLB cannot exceed the total value of the assets pledged under the blanket collateral agreement. The Company has a $12.9 million line of credit available at December 31, 2016 with the Federal Reserve Bank of New York through its Discount Window and has pledged various corporate and municipal securities against the line. The Company has $14.4 million in lines of credit available with three other correspondent banks. $9.4 million of that line of credit is available on an unsecured basis and the remaining $5.0 million must be collateralized with marketable investment securities. Interest on the lines is determined at the time of borrowing.

SUBORDINATED LOANS

SUBORDINATED LOANS	12 Months Ended
	Dec. 31, 2016
SUBORDINATED LOANS [Abstract]
SUBORDINATED LOANS	NOTE 13: SUBORDINATED LOANS The Company has a non-consolidated subsidiary trust, Pathfinder Statutory Trust II, of which the Company owns 100% of the common equity. The Trust issued $5,000,000 of 30-year floating rate Company-obligated pooled capital securities of Pathfinder Statutory Trust II ("Floating-Rate Debentures"). The Company borrowed the proceeds of the capital securities from its subsidiary by issuing floating rate junior subordinated deferrable interest debentures having substantially similar terms. The capital securities mature in 2037 and are treated as Tier 1 capital by the Federal Deposit Insurance Corporation and the Federal Reserve Board ("FRB"). The capital securities of the trust are a pooled trust preferred fund of Preferred Term Securities VI, Ltd. and are tied to the 3-month LIBOR (1.00%) plus 1.65% for a total of 2.65% at December 31, 2016 with a five-year call provision. The Company guarantees all of these securities. The Company's equity interest in the trust subsidiary of is included in other assets on the Consolidated Statements of Financial Condition at December 31, 2016 and 2015. For regulatory reporting purposes, the Federal Reserve has indicated that the preferred securities will continue to qualify as Tier 1 Capital subject to previously specified limitations, until further notice. If regulators make a determination that Trust Preferred Securities can no longer be considered in regulatory capital, the securities become callable and the Company may redeem them. On October 15, 2015, the Company executed the $10.0 million non-amortizing subordinated loan with an unrelated third party that is scheduled to mature on October 1, 2025. The Company has the right to prepay the subordinated loan at any time after October 15, 2020 without penalty. The terms of the subordinated loan required interest payments at an annual interest rate of 3.50% from October 15, 2015 to February 29, 2016. The annual interest rate charged the Company increased to 6.25% on March 1, 2016 through the maturity date. The Subordinated Loan is senior in the Company's credit repayment hierarchy only to the Company's common equity and, as a result, qualifies as Tier 2 capital for all future periods when applicable. The Company paid $172,000 in origination and legal fees as part of this transaction. These fees will be amortized over the life of the subordinated loan through its first call date using the effective interest method. The effective cost of funds related to this transaction is 6.44% calculated under this method. The composition of subordinated loans at December 31 is as follows: (In thousands) 2016 2015 Subordinated loans: Junior subordinated debenture $ 5,155 $ 5,155 Subordinated loan 9,870 9,836 Total subordinated loans $ 15,025 $ 14,991 The principal balances, interest rates and maturities of the subordinated loans at December 31, 2016 are as follows: Term Principal Rates (Dollars in thousands) Subordinated loans: due within 10 years $ 9,870 6.48 % due within 21 years 5,155 3-Month Libor + 1.65% Total subordinated loans $ 15,025 At December 31, 2016, scheduled repayments of the subordinated loans: (In thousands) 2017 $ - 2018 - 2019 - 2020 - 2021 - Thereafter 15,025 $ 15,025

EMPLOYEE BENEFITS AND DEFERRED

EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS	12 Months Ended
	Dec. 31, 2016
EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS [Abstract]
EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS	NOTE 14: EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS The Company has a noncontributory defined benefit pension plan covering substantially all employees. The plan provides defined benefits based on years of service and final average salary. On May 14, 2012, the Company informed its employees of its decision to freeze participation and benefit accruals under the plan, primarily to reduce some of the volatility in earnings that can accompany the maintenance of a defined benefit plan. The plan was frozen on June 30, 2012. Compensation earned by employees up to June 30, 2012 is used for purposes of calculating benefits under the plan but there will be no future benefit accruals after this date. Participants as of June 30, 2012 will continue to earn vesting credit with respect to their frozen accrued benefits as they continue to work. In addition, the Company provides certain health and life insurance benefits for a limited number of eligible retired employees. The healthcare plan is contributory with participants' contributions adjusted annually; the life insurance plan is noncontributory. Employees with less than 14 years of service as of January 1, 1995, are not eligible for the health and life insurance retirement benefits. The following tables set forth the changes in the plans' benefit obligations, fair value of plan assets and the plans' funded status as of December 31: Pension Benefits Postretirement Benefits (In thousands) 2016 2015 2016 2015 Change in benefit obligations: Benefit obligations at beginning of year $ 9,319 $ 9,679 $ 159 $ 356 Service cost - - - - Interest cost 464 468 8 17 Actuarial gain (231 ) (586 ) - (201 ) Benefits paid (229 ) (242 ) (13 ) (13 ) Benefit obligations at end of year 9,323 9,319 154 159 Change in plan assets: Fair value of plan assets at beginning of year 12,808 13,125 - - Actual return on plan assets 1,055 (75 ) - - Benefits paid (229 ) (242 ) (13 ) (13 ) Employer contributions - - 13 13 Fair value of plan assets at end of year 13,634 12,808 - - Funded Status - asset (liability) $ 4,311 $ 3,489 $ (154 ) $ (159 ) The funded status of the pension was recorded within other assets on the statement of condition. The unfunded status of the postretirement plan is recorded as a liability on the statement of condition. Amounts recognized in accumulated other comprehensive loss as of December 31 are as follows: Pension Benefits Postretirement Benefits (In thousands) 2016 2015 2016 2015 Net loss/(gain) $ 2,685 $ 3,245 $ (165 ) $ (172 ) Tax Effect 1,074 1,298 (66 ) (69 ) $ 1,611 $ 1,947 $ (99 ) $ (103 ) Gains and losses in excess of 10% of the greater of the benefit obligation or the fair value of assets are amortized over the average remaining service period of active participants. The Company utilized the actual projected cash flows of the participants in both plans for the years ended December 31, 2016 and December 31, 2015. The following points address the approach taken. 1. An analysis of the defined benefit pension plan's expected future cash flows and high-quality fixed income investments currently available and expected to be available during the period to maturity of the pension benefits yielded a single discount rate of 5.15% at December 31, 2016. 2. An analysis of the postretirement health plan's expected future cash flows and high-quality fixed-income investments currently available and expected to be available during the period to maturity of the retiree medical benefits yielded a single discount rate of 5.32% at December 31, 2016. 3. Each discount rate was developed by matching the expected future cash flows of Pathfinder Bank to high quality bonds. Every bond considered has earned ratings of at least AA by Fitch Group, AA by Standard & Poor's, or Aa2 by Moody's Investor Services. The accumulated benefit obligation for the defined benefit pension plan was $9.3 million at December 31, 2016 and 2015. The postretirement plan had an accumulated benefit obligation of $154,000 and $159,000 at December 31, 2016 and 2015, respectively. The significant assumptions used in determining the benefit obligations as of December 31, are as follows: Pension Benefits Postretirement Benefits 2016 2015 2016 2015 Weighted average discount rate 5.15 % 5.05 % 5.32 % 5.23 % Rate of increase in future compensation levels - - - - Assumed health care cost trend rates have a significant effect on the amounts reported for the postretirement health care plan. The annual rates of increase in the per capita cost of covered medical and prescription drug benefits for future years were assumed to be 6.25% for 2017, gradually decreasing to 5.00% in 2022 and remain at that level thereafter. The composition of the net periodic benefit plan cost for the years ended December 31 is as follows: Pension Benefits Postretirement Benefits (In thousands) 2016 2015 2016 2015 Service cost $ - $ - $ - $ - Interest cost 464 468 8 17 Expected return on plan assets (951 ) (975 ) - - Amortization of transition obligation - - - - Amortization of net losses/(gains) 226 180 (3 ) 5 Amortization of unrecognized past service liability - - (5 ) (5 ) Net periodic benefit plan (benefit) cost $ (261 ) $ (327 ) $ - $ 17 The significant assumptions used in determining the net periodic benefit plan cost for years ended December 31, were as follows: Pension Benefits Postretirement Benefits 2016 2015 2016 2015 Weighted average discount rate 5.05 % 4.90 % 5.23 % 4.98 % Expected long term rate of return on plan assets 7.50 % 7.50 % - - Rate of increase in future compensation levels - - - - The long term rate of return on assets assumption was set based on historical returns earned by equities and fixed income securities, adjusted to reflect expectations of future returns as applied to the plan's target allocation of asset classes. Equities and fixed income securities were assumed to earn real rates of return in the ranges of 6.0%-8.0% and 3.0%-5.0%, respectively. The long-term inflation rate was estimated to be 2.5%. When these overall return expectations are applied to the plan's target allocation, the expected rate of return was determined to be in the range of 5.0% to 7.0%. Management chose to use a 7.5% expected long-term rate of return in 2016 and a 7.0% expected long-term rate of return in 2017 reflecting current economic conditions and expected rates of return. Based on the $13.6 million fair value of plan assets at December 31, 2016, each 50 basis point decrease in the expected long-term rate of return would reduce after tax net income by approximately $42,000. The estimated net actuarial loss that will be amortized from accumulated other comprehensive loss into net periodic benefit plan cost during 2017 is $154,000. The estimated amortization of the unrecognized transition obligation and actuarial gain for the post retirement health plan in 2017 is $3,000. The expected net periodic benefit plan benefit for 2017 is estimated to be $318,000 for both retirement plans in aggregate. Plan assets are invested in four diversified investment funds of the Pentegra Retirement Trust (the "Trust", formerly known as RSI Retirement Trust), a private placement investment fund. The Trust has been given discretion by the Plan Sponsor to determine the appropriate strategic asset allocation versus plan liabilities, as governed by the Trust's Investment Policy Statement. The Plan is structured to utilize a Liability Driven Investment (LDI) approach which seeks to fund the current and future liabilities of the Plan and aims to mitigate funded status and contribution volatility. The fair value of plan assets is determined primarily through direct observations of market pricing for the underlying assets within the investment fund. Where direct pricing observations are not available, fair value is determined by observations of market pricing for similar securities actively traded within publically accessible markets. The Plan's asset allocation targets to hold 38% of assets in equity securities via investment in the Long-Term Growth – Equity Portfolio ('LTGE'), 16% in intermediate-term investment grade bonds via investment in the Long-Term Growth – Fixed-Income Portfolio ('LTGFI'), 35% in long duration bonds via the Liability Focused Fixed-Income Portfolio ('LFFI'), 10% in an alternative asset fund (the ALT Portfolio), and 1% in a cash equivalents portfolio (for liquidity). LTGE is a diversified portfolio that invests in a number of actively and passively managed equity-focused mutual funds and collective investment trusts. The Portfolio holds a diversified mix of equity funds in order to gain exposure to the U.S. and non-U.S. equity markets. LTGFI is a diversified portfolio that invests in a number of fixed-income mutual funds and collective investment trusts. The Portfolio invests primarily in intermediate-term bond funds with a focus on Core Plus fixed-income investment approaches. LFFI is a diversified high quality fixed-income portfolio that currently invests in passively managed collective investment trusts that hold long duration bonds. The ALT Portfolio invests in professionally managed private funds that hold alternative assets. The Portfolio currently invests in three long/short equity hedge funds. The investment objectives, investment strategies and risk of each of the daily valued and unitized Portfolios and the funds held within the Portfolios are detailed in the Private Placement Memorandum and the Trust's Investment Policy Statement. The long-term investment objectives are to maintain plan assets at a level that will sufficiently cover long-term obligations and to generate a return on plan assets that will meet or exceed the rate at which long-term obligations will grow. The LTGE and LTGFI Portfolios are designed to provide long-term growth of equity and fixed-income assets with the objective of achieving an investment return in excess of the cost of funding the active life, deferred vested, and all 30-year term and longer obligations of retired lives in the Trust. The LFFI Portfolio is designed to fund the Trust's estimated retired lives class of liabilities for 30 years. The ALT Strategy is designed to add diversification via the addition of relatively low correlation assets. Risk/volatility is further managed by the distinct investment objectives of each of the Trust's Portfolios. A broadly diversified combination of equity and fixed income portfolios and various risk management techniques are used to help achieve these objectives. In addition, significant consideration is paid to the plan's funding levels when determining the overall asset allocation. If the plan is considered to be well-funded, approximately 65% of the plan's assets are allocated to equities and approximately 35% allocated to fixed-income. Asset rebalancing normally occurs when the equity and fixed-income allocations vary by more than 10% from their respective targets (i.e., a 10% policy range guideline). Pension plan assets measured at fair value are summarized below: At December 31, 2016 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Asset Category: Mutual funds - equity Large-cap value (a) $ - $ 958 $ - $ 958 Large-cap Growth (b) - 860 - 860 Large-cap Core (c) - 609 - 609 Mid-cap Value (d) - 204 - 204 Mid-cap Growth (e) - 186 - 186 Mid-cap Core (f) - 209 - 209 Small-cap Value (g) - 167 - 167 Small-cap Growth (h) - 140 - 140 Small-cap Core (i) - 312 - 312 International Equity (j) - 1,131 - 1,131 Equity -Total - 4,776 - 4,776 Fixed Income Funds Fixed Income-US Core (k) - 1,695 - 1,695 Intermediate Duration (l) - 2,932 - 2,932 Long Duration (m) - 2,474 - 2,474 Fixed Income-Total - 7,101 - 7,101 Long/Short Equity(n) - 1,165 - 1,165 Company Common Stock - - - - Cash Equivalents-Money market* 70 522 - 592 Total $ 70 $ 13,564 $ - $ 13,634 At December 31, 2015 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Asset Category: Mutual funds - equity Large-cap value (a) $ - $ 696 $ - $ 696 Large-cap Growth (b) - 783 - 783 Large-cap Core (c) - 510 - 510 Mid-cap Value (d) - 166 - 166 Mid-cap Growth (e) - 163 - 163 Mid-cap Core (f) - 162 - 162 Small-cap Value (g) - 119 - 119 Small-cap Growth (h) - 117 - 117 Small-cap Core (i) - 238 - 238 International Equity (j) - 996 - 996 Equity -Total - 3,950 - 3,950 Fixed Income Funds Fixed Income-US Core (k) - 1,578 - 1,578 Intermediate Duration (l) - 2,865 - 2,865 Long Duration (m) - 2,347 - 2,347 Fixed Income-Total - 6,790 - 6,790 Long/Short Equity(n) - 1,793 - 1,793 Company Common Stock - - - - Cash Equivalents-Money market* 72 203 - 275 Total $ 72 $ 12,736 $ - $ 12,808 *Includes cash equivalents investments in equity and fixed income strategies (a) This category contains large-cap stocks with above-average yield. The portfolio typically holds between 60 and 70 stocks. (b) This category seeks long-term capital appreciation by investing primarily in large growth companies based in the U.S. (c) This fund tracks the performance of the S&P 500 index by purchasing the securities represented in the index in approximately the same weightings as the index. (d) This category employs an indexing investment approach designed to track the performance of the CRSP US Mid-Cap Value Index. (e) This category employs an indexing investment approach designed to track the performance of the CRSP US Mid-Cap Growth Index. (f) This category seeks to track the performance of the S&P Midcap 400 Index. (g) This category consists of a selection of investments based on the Russell 2000 Value Index. (h) This category consists of a selection of investments based on the Russell 2000 Growth Index. (i) This category consists of an index fund designed to track the Russell 2000, along with a fund investing in readily marketable securities of U.S. companies with market capitalizations within the smallest 10% of the market universe, or smaller than the 1000th largest US company. (j) This category has investments in medium to large non-US companies, including high quality, durable growth companies and companies based in countries with stable economic and political systems. A portion of this category consists of an index fund designed to track the MSC ACWI ex-US Net Dividend Return Index. (k) This category currently includes equal investments in three mutual funds, two of which usually hold at least 80% of fund assets in investment grade fixed income securities, seeking to outperform the Barclays US Aggregate Bond Index while maintaining a similar duration to that index. The third fund targets investments of 50% or more in mortgage-backed securities guaranteed by the US government and its agencies. (l) This category consists mostly of a fund which seeks to track the Barclays Capital US Corporate A or Better 5-20 Year, Bullets only Index, along with a diversified mutual fund holding fixed income securities rated A or better. (m) This category consists of a fund that seeks to approximate the performance of the Barclays Capital US Corporate A or Better, 20+ Year Bullets Only Index over the long term. (n) This category currently invests in three long/short equity hedge funds. For the fiscal year ending December 31, 2017, the Company expects to contribute approximately $13,000 to the postretirement plan. The following benefit payments, which reflect expected future service, as appropriate, are expected to be paid from both retirement plans: Pension Postretirement (In thousands) Benefits Benefits Total Years ending December 31: 2017 $ 266 $ 13 $ 279 2018 282 13 295 2019 292 13 305 2020 312 13 325 2021 329 12 341 Years 2022-2026 2,175 60 2,235 The Company also offers a 401(k) plan to its employees. Contributions to this plan by the Company were $300,000 and $269,000 for 2016 and 2015, respectively. The Company maintains optional deferred compensation plans for its directors and certain executive officers, whereby fees and income normally received are deferred and paid by the Company based upon a payment schedule commencing at age 65 and continuing monthly for 10 years. Directors must serve on the board for a minimum of 5 years to be eligible for the Plan. At December 31, 2016 and 2015, other liabilities include approximately $2.4 million and $2.2 million, respectively, relating to deferred compensation. Deferred compensation expense for the years ended December 31, 2016 and 2015 amounted to approximately $339,000 and $310,000, respectively. The Company has a supplemental executive retirement plan ("SERP") for the benefit of a retired Chief Executive Officer at December 31, 2016. At December 31, 2016 and 2015, other liabilities included approximately $0 and $15,000, respectively, accrued under this plan related to the retired CEO. Compensation expense includes approximately $0 relating to this supplemental executive retirement plan for the year ended December 31, 2016 and $4,000 for the year ended December 31, 2015. This plan fully paid out during 2016. To assist in the funding of the Company's benefits under the supplemental executive retirement plan and deferred compensation plans, the Company is the owner of single premium life insurance policies on selected participants. At December 31, 2016 and 2015, the cash surrender values of these policies were $11.5 million and $10.6 million, respectively. The Bank adopted a Defined Contribution Supplemental Executive Retirement Plan (the "SERP"), effective January 1, 2014. The SERP benefits certain key senior executives of the Bank who are selected by the Board to participate, including our Named Executive Officers. The SERP is intended to provide a benefit from the Bank upon retirement, death, disability or voluntary or involuntary termination of service (other than "for cause"), subject to the requirements of Section 409A of the Internal Revenue Code. Accordingly, the SERP obligates the Bank to make a contribution to each executive's account on the last business day of each calendar year. In addition, the Bank, may, but is not required to, make additional discretionary contributions to the executive's accounts from time to time. All executives currently participating in the plan, including the Named Executive Officers, are fully vested in the Bank's contribution to the plan. In the event the executive is terminated involuntarily or resigns for good reason within 24 months following a change in control, the Bank is required to make additional annual contributions the lesser of: (1) three years or (2) the number of years remaining until the executive's benefit age, subject to potential reduction to avoid an excess parachute payment under Code Section 280G. In the event of the executive's death, disability or termination within 24 months after a change in control, the executive's account will be paid in a lump sum to the executive or his beneficiary, as applicable. In the event the executive is entitled to a benefit from the SERP due to retirement or other termination of employment, the benefit will be paid either in a lump sum or in 10 annual installments as detailed in his or her participant agreement. At December 31, 2016, other liabilities included $473,000 accrued under this plan.

STOCK BASED COMPENSATION PLANS

STOCK BASED COMPENSATION PLANS	12 Months Ended
	Dec. 31, 2016
STOCK BASED COMPENSATION PLANS [Abstract]
STOCK BASED COMPENSATION PLANS	NOTE 15: STOCK BASED COMPENSATION PLANS All share and per share values have been adjusted, where appropriate, by the 1.6472 exchange rate used in the Conversion and Offering that occurred on October 16, 2014. The April 2010 Stock Option Plan In June 2011, the board of directors of the Company approved the grant of stock option awards to its directors and executive officers under the 2010 Stock Option Plan that had 247,080 shares authorized for award. A total of 74,124 stock option awards were granted to the nine directors of the Company, at that time, and 123,540 stock option awards, in total, were granted to the Chief Executive Officer and the Company's then four senior vice presidents. The awards will vest ratably over five years (20% per year for each year of the participant's service with the Company) and will expire ten years from the date of the grant, or June 2021. The fair value of each option grant was established at the date of grant using the Black-Scholes option pricing model. The Black-Scholes model used the following weighted average assumptions: risk-free interest rate of 2.2%; volatility factors of the expected market price of the Company's common stock of 0.45; weighted average expected lives of the options of 7.0 years: cash dividend yield of 1.49%. Based upon these assumptions, the weighted average fair value of options granted was $2.29. In July 2013, the board of directors of the Company approved the grant of 16,472 stock option awards in total to two newly elected directors of the Company. The awards will vest ratably over five years (20% per year for each year of the participant's service with the Company) and will expire ten years from the date of the grant, or July 2023. The fair value of each option grant was established at the date of grant using the Black-Scholes option pricing model. The Black-Scholes model used the following weighted average assumptions: risk-free interest rate of 2.0%; volatility factors of the expected market price of the Company's common stock of 0.45; weighted average expected lives of the options of 7.0 years: cash dividend yield of 1.0%. Based upon these assumptions, the weighted average fair value of options granted was $3.69. In November 2015, the board of directors of the Company approved the grant of 16,472 stock option awards in total to two newly elected directors of the Company. The awards will vest ratably over five years (20% per year for each year of the participant's service with the Company) and will expire ten years from the date of the grant, or November 2025. The fair value of each option grant was established at the date of grant using the Black-Scholes option pricing model. The Black-Scholes model used the following weighted average assumptions: risk-free interest rate of 1.9%; volatility factors of the expected market price of the Company's common stock of 0.23; weighted average expected lives of the options of 7.0 years: cash dividend yield of 1.4%. Based upon these assumptions, the weighted average fair value of options granted was $2.56. In April 2016, the board of directors of the Company approved the grant of 47,768 stock option awards in total to three officers and one recently promoted senior officer. The awards will vest ratably over five years (20% per year for each year of the participant's service with the Company) and will expire ten years from the date of the grant, or April 2026. The fair value of each option grant was established at the date of grant using the Black-Scholes option pricing model. The Black-Scholes model used the following weighted average assumptions: risk-free interest rate of 1.6%; volatility factors of the expected market price of the Company's common stock of 0.32; weighted average expected lives of the options of 7.0 years: cash dividend yield of 1.55%. Based upon these assumptions, the weighted average fair value of options granted was $3.17. The May 2016 Stock Option Plan In May 2016, the board of directors of the Company approved the grant of stock option awards to its directors, executive Officers, senior officers and officers under the 2016 Equity Incentive Plan that was approved at the Annual Meeting of Shareholders on May 4, 2016 when 263,605 shares were authorized for award. A total of 79,083 stock option awards were granted to the nine directors of the Company and 44,812 stock option awards, in total, were granted to thirteen officers. The awards will vest ratably over five years (20% per year for each year of the participant's service with the Company) and will expire ten years from the date of the grant, or May 2026. The fair value of each option grant was established at the date of grant using the Black-Scholes option pricing model. The Black-Scholes model used the following weighted average assumptions: risk-free interest rate of 1.6%; volatility factors of the expected market price of the Company's common stock of 0.32; weighted average expected lives of the options of 7.0 years: cash dividend yield of 1.55%. Based upon these assumptions, the weighted average fair value of options granted was $3.32. A total of 92,261 stock option awards, in total, were granted to the Chief Executive Officer, two executive officers and three senior officers. The awards will vest ratably over seven years (approximately 14.28% per year for each year of the participant's service with the Company) with the exception of one senior officer whose awards will vest upon retirement on August 1, 2017 and will expire ten years from the date of the grant, or May 2026. The fair value of each option grant was established at the date of grant using the Black-Scholes option pricing model. The Black-Scholes model used the following weighted average assumptions: risk-free interest rate of 1.7%; volatility factors of the expected market price of the Company's common stock of 0.32; weighted average expected lives of the options of 7.0 years: cash dividend yield of 1.55%. Based upon these assumptions, the weighted average fair value of options granted was $3.59. Activity in the stock option plans is as follows: Weighted Options Average Shares (Shares in thousands) Outstanding Exercise Price Exercisable Outstanding at December 31, 2014 170 $ 5.75 95 Granted 17 $ 11.09 - Newly vested - 5.75 35 Exercised (2 ) - (2 ) Expired - - - Outstanding at December 31, 2015 185 $ 5.75 128 Granted 264 $ 11.25 - Newly vested - 6.21 37 Exercised (26 ) - (26 ) Expired - - - Outstanding at December 31, 2016 423 $ 6.21 139 The aggregate intrinsic value of a stock option represents the total pre-tax intrinsic value (the amount by which the current market value of the underlying stock exceeds the exercise price of the option) that would have been received by the option holders had all option holders exercised their options prior to the expiration date. The intrinsic value can change based on fluctuations in the market value of the Company's stock. At December 31, 2016, the intrinsic value of the stock options was $1.7 million. At December 31, 2015, the intrinsic value of the stock options was $1.2 million. At December 31, 2016, there were 422,940 options outstanding, of which 139,246 were exercisable at an average exercise price of $5.80, and an average remaining contractual life of 4.7 years. The May 2016 Restricted Stock Awards In May 2016, the board of directors of the Company approved the grant of restricted stock awards to its directors, executive officers, senior officers and officers under the 2016 Equity Incentive Plan that was approved at the Annual Meeting of Shareholders on May 4, 2016 when 105,442 shares were authorized for award. A total of 31,635 restricted stock awards were granted to the nine directors of the Company and 8,436 restricted stock awards, in total, were granted to two officers. The awards will vest ratably over five years (20% per year for each year of the participant's service with the Company) with the exception of one senior officer whose awards will vest upon retirement on August 1, 2017. The compensation expense of the awards is based on the fair value of the instruments on the date of grant. The Company recorded compensation expense in the amount of $264,000 and $85,000 in 2016 and 2015, respectively, and is expected to record $328,000, $323,000, $316,000, $314,000, $176,000, $113,000 and $38,000 in 2017 through 2023.

EMPLOYEE STOCK OWNERSHIP PLAN

EMPLOYEE STOCK OWNERSHIP PLAN	12 Months Ended
	Dec. 31, 2016
EMPLOYEE STOCK OWNERSHIP PLAN [Abstract]
EMPLOYEE STOCK OWNERSHIP PLAN	NOTE 16: EMPLOYEE STOCK OWNERSHIP PLAN The Bank established the Pathfinder Bank Employee Stock Ownership Plan ("Plan") to purchase stock of the Company for the benefit of its employees. In July 2011, the Plan received a $1.1 million loan from Community Bank, N.A., guaranteed by the Company, to fund the Plan's purchase of 125,000 shares of the Company's treasury stock. The loan was being repaid in equal quarterly installments of principal plus interest over ten years beginning October 1, 2011. Interest accrued at the Wall Street Journal Prime Rate plus 1.00%, and was secured by the unallocated shares of the ESOP stock. This loan was refinanced in connection with the Conversion and Offering that occurred on October 16, 2014. In connection with the Conversion and Offering, the ESOP purchased 105,442 shares issued in the offering by obtaining a loan from the Company which was used to purchase both the additional shares and refinance the remaining outstanding balance on the loan from Community Bank N.A. There were 138,982.5 shares associated with the refinanced loan resulting in a total of 244,424.5 shares associated with the new loan provided by the Company. The ESOP loan from the Company has a ten year term and is being repaid in equal payments of principal and interest under a fixed rate of interest equal to 3.25% which was the prime rate of interest on the date of the closing of the offering. This ESOP loan from the Company, also referred to as an internally leveraged ESOP, does not appear as a liability on the Company's consolidated statement of condition as of December 31, 2016 in accordance with ASC 718-40-25-9d. In accordance with the payment of principal on the loan, a proportionate number of shares are allocated to the employees over the ten year time horizon of the loan. Participants' vesting interest in the shares of Company stock is at the rate of 20% per year. Compensation expense is recorded based on the number of shares released to the participants times the average market value of the Company's stock over that same period. Dividends on unallocated shares, recorded as compensation expense on the income statement, are made available to the participants' account. The Company recorded $333,000 and $305,000 in compensation expense in 2016 and 2015, respectively, including $40,000 and $36,000 for dividends on unallocated shares in these same time periods. At December 31, 2016, there were 189,429 unearned ESOP shares with a fair value of $2.6 million.

INCOME TAXES

INCOME TAXES	12 Months Ended
	Dec. 31, 2016
INCOME TAXES [Abstract]
INCOME TAXES	NOTE 17: INCOME TAXES The provision for income taxes for the years ended December 31, is as follows: (In thousands) 2016 2015 Current $ 1,360 $ 955 Deferred (249 ) 116 $ 1,111 $ 1,071 The provision for income taxes includes the following: (In thousands) 2016 2015 Federal Income Tax $ 980 $ 929 State Tax 131 142 $ 1,111 $ 1,071 The components of the net deferred tax liability, included in other liabilities as of December 31, are as follows: (In thousands) 2016 2015 Assets: Deferred compensation $ 912 $ 858 Allowance for loan losses 2,392 2,185 Postretirement benefits 56 61 Subordinated loan interest 37 - Investment securities and financial derivative 1,229 - Impairment losses on investment securities 88 155 Loan origination fees 184 66 Capital loss carryforward 62 120 Held-to-maturity securities 310 417 Other 166 121 Total 5,436 3,983 Liabilities: Prepaid pension (1,605 ) (1,336 ) Depreciation (1,083 ) (1,011 ) Accretion (211 ) (145 ) Loan origination fees - - Intangible assets (1,470 ) (1,470 ) Investment securities and financial derivative - (21 ) Mortgage servicing rights (15 ) (20 ) Prepaid expenses and transaction fees (204 ) (97 ) Total (4,588 ) (4,100 ) 848 (117 ) Less: deferred tax asset valuation allowance (150 ) (265 ) Net deferred tax asset $ 698 $ (382 ) Realization of deferred tax assets is dependent upon the generation of future taxable income or the existence of sufficient taxable income within the carry back period. A valuation allowance is provided when it is more likely than not that some portion, or all of the deferred tax assets, will not be realized. In assessing the need for a valuation allowance, management considers the scheduled reversal of the deferred tax liabilities, the level of historical taxable income and the projected future level of taxable income over the periods in which the temporary differences comprising the deferred tax assets will be deductible. The judgment about the level of future taxable income is inherently subjective and is reviewed on a continual basis as regulatory and business factors change. The valuation allowance of $150,000 at December 31, 2016 represents the portion of the deferred tax asset that management believes may not be realizable, as the Company may not generate sufficient capital gains in future years to offset its existing cumulative capital losses prior to the expiration of the related capital loss carryforward tax benefits. The deferred tax allowance was $265,000 at December 31, 2015. The $115,000 decrease in this allowance between December 31, 2015 and December 31, 2016, relates primarily to the reduction in current taxes payable resulting from capital gain income that was realized in 2016. A reconciliation of the federal statutory income tax rate to the effective income tax rate for the years ended December 31, is as follows: 2016 2015 Federal statutory income tax rate 34.0 % 34.0 % State tax, net of federal benefit 1.9 2.3 Tax-exempt interest income (8.6 ) (8.1 ) Increase in value of bank owned life insurance less premiums paid (2.0 ) (3.0 ) Change in valuation allowance (2.6 ) (4.8 ) Other 2.5 6.4 Effective income tax rate 25.2 % 26.8 %

COMMITMENTS AND CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	12 Months Ended
	Dec. 31, 2016
COMMITMENTS AND CONTINGENCIES [Abstract]
COMMITMENTS AND CONTINGENCIES	NOTE 18: COMMITMENTS AND CONTINGENCIES The Company is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. Such commitments involve, to varying degrees, elements of credit risk in excess of the amount recognized in the consolidated statement of condition. The contractual amount of those commitments to extend credit reflects the extent of involvement the Company has in this particular class of financial instrument. The Company's exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit is represented by the contractual amount of the instrument. The Company uses the same credit policies in making commitments as it does for on-balance sheet instruments. At December 31, 2016 and 2015, the following financial instruments were outstanding whose contract amounts represent credit risk: Contract Amount (In thousands) 2016 2015 Commitments to grant loans $ 46,649 $ 20,168 Unfunded commitments under lines of credit 48,653 34,469 Unfunded commitments related to construction loans in progress 5,918 5,726 Standby letters of credit 1,900 1,884 Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since some of the commitment amounts are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer's creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management's credit evaluation of the counter party. Collateral held varies but may include residential real estate and income-producing commercial properties. Loan commitments outstanding at December 31, 2016 with fixed interest rates amounted to approximately $7.8 million. Loan commitments, including unused lines of credit and standby letters of credit, outstanding at December 31, 2016 with variable interest rates amounted to approximately $89.4 million. These outstanding loan commitments carry current market rates. Unfunded commitments under standby letters of credit, revolving credit lines and overdraft protection agreements are commitments for possible future extensions of credit to existing customers. These lines of credit usually do not contain a specified maturity date and may not be drawn upon to the total extent to which the Company is committed. Letters of credit written are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Generally, all letters of credit, when issued have expiration dates within one year. The credit risk involved in issuing letters of credit is essentially the same as those that are involved in extending loan facilities to customers. The Company generally holds collateral and/or personal guarantees supporting these commitments. Management believes that the proceeds obtained through a liquidation of collateral and the enforcement of guarantees would be sufficient to cover the potential amount of future payments required under the corresponding guarantees. The amount of the liability as of December 31, 2016 and 2015 for guarantees under standby letters of credit issued is not material. The Company leases land and leasehold improvements under agreements that expire in various years with renewal options over the next 30 years. Rental expense, included in building occupancy expense, amounted to $149,000 for 2016 and $135,000 for 2015. Approximate minimum rental commitments for non-cancelable operating leases are as follows: Years Ending December 31: (In thousands) 2017 147 2018 105 2019 62 2020 56 2021 31 Thereafter 293 Total minimum lease payments $ 694

DIVIDENDS AND RESTRICTIONS

DIVIDENDS AND RESTRICTIONS	12 Months Ended
	Dec. 31, 2016
DIVIDENDS AND RESTRICTIONS [Abstract]
DIVIDENDS AND RESTRICTIONS	NOTE 19: DIVIDENDS AND RESTRICTIONS The Company's ability to pay dividends to its shareholders is largely dependent on the Bank's ability to pay dividends to the Company. In addition to state law requirements and the capital requirements discussed in Note 20, federal statutes, regulations and policies limit the circumstances under which the Bank may pay dividends. The amount of retained earnings legally available under these regulations approximated $10.4 million as of December 31, 2016. Dividends paid by the Bank to the Company would be prohibited if the effect thereof would cause the Bank's capital to be reduced below applicable minimum capital requirements. The Bank made no dividend payments to the Company in the years ended December 31, 2016, December 31, 2015 or December 31, 2014. Capital adequacy is evaluated primarily by the use of ratios which measure capital against total assets, as well as against total assets that are weighted based on defined risk characteristics. The Company's goal is to maintain a strong capital position, consistent with the risk profile of its banking operations. This strong capital position serves to support growth and expansion activities while at the same time exceeding regulatory standards. At December 30, 2016, the Bank met the regulatory definition of a "well-capitalized" institution, i.e. a leverage capital ratio exceeding 5%, a Tier 1 risk-based capital ratio exceeding 8%, Tier 1 common equity exceeding 6.5%, and a total risk-based capital ratio exceeding 10%. In addition to establishing the minimum regulatory capital requirements, the regulations limit capital distributions and certain discretionary bonus payments to management if the institution does not hold a "capital conservation buffer" consisting of 2.5% of common equity Tier 1 capital to risk-weighted assets above the amount necessary to meet its minimum risk-based capital requirements. The buffer is separate from the capital ratios required under the Prompt Corrective Action ("PCA") standards. In order to avoid these restrictions, the capital conservation buffer effectively increases the minimum the following capital to risk-weighted assets ratios: (1) Core Capital, (2) Total Capital and (3) Common Equity. The capital conservation buffer requirement is being phased in beginning January 1, 2016 at 0.625% of risk-weighted assets and increasing each year until fully implemented at 2.5% on January 1, 2019. At December 30, 2016, the Bank exceeded all current and projected regulatory required minimum capital ratios, including the maximum capital buffer level that will be required on January 1, 2019.

REGULATORY MATTERS

REGULATORY MATTERS	12 Months Ended
	Dec. 31, 2016
REGULATORY MATTERS [Abstract]
REGULATORY MATTERS	NOTE 20: REGULATORY MATTERS The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet 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 Company's consolidated financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of its 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. Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain amounts and ratios (set forth in the table below) of total and Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier 1 capital (as defined) to average assets (as defined). As of December 31, 2016, the Bank's most recent notification from the Federal Deposit Insurance Corporation categorized the Bank as "well-capitalized", under the regulatory framework for prompt corrective action. To be categorized as "well-capitalized", the Bank must maintain total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the tables below. There are no conditions or events since that notification that management believes have changed the Bank's category. As noted above, the regulations also impose a "capital conservation buffer" consisting of 2.5% of common equity Tier 1 capital to risk-weighted assets above the amount necessary to meet its minimum risk-based capital requirements. The buffer is separate from the capital ratios required under the Prompt Corrective Action ("PCA") standards and imposes restrictions on dividend distributions and discretionary bonuses. In order to avoid these restrictions, the capital conservation buffer effectively increases the minimum the following capital to risk-weighted assets ratios: (1) Core Capital, (2) Total Capital and (3) Common Equity. The capital conservation buffer requirement is being phased in beginning January 1, 2016 at 0.625% of risk-weighted assets and increasing each year until fully implemented at 2.5% on January 1, 2019. At December 30, 2016, the Bank exceeded all current and projected regulatory required minimum capital ratios, including the maximum capital buffer level that will be required on January 1, 2019. The Bank's actual capital amounts and ratios as of December 31, 2016 and 2015 are presented in the following table. Actual Minimum For Capital Adequacy Purposes Minimum To Be "Well-Capitalized" Under Prompt Corrective Provisions Well-Capitalized With Buffer, Fully Phased In For 2019 (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio Amount Ratio As of December 31, 2016 Total core capital (to risk-weighted assets) $ 72,098 14.79 % $ 38,996 8.00 % $ 48,745 10.00 % $ 51,182 10.50 % Tier 1 capital (to risk-weighted assets) $ 66,003 13.54 % $ 29,247 6.00 % $ 38,996 8.00 % $ 41,433 8.50 % Tier 1 common equity (to risk-weighted assets) $ 66,003 13.54 % $ 21,935 4.50 % $ 31,684 6.50 % $ 34,121 7.00 % Tier 1 capital (to adjusted assets) $ 66,003 9.06 % $ 29,154 4.00 % $ 36,443 5.00 % $ 36,443 5.00 % As of December 31, 2015: Total core capital (to risk-weighted assets) $ 67,286 16.22 % $ 33,187 8.00 % $ 41,484 10.00 % Tier 1 capital (to risk-weighted assets) $ 62,038 14.95 % $ 24,891 6.00 % $ 33,187 8.00 % Tier 1 common equity (to risk-weighted assets) $ 62,038 14.95 % $ 18,668 4.50 % $ 26,965 6.50 % Tier 1 capital (to adjusted assets) $ 62,038 10.00 % $ 24,816 4.00 % $ 31,020 5.00 % On September 1, 2011, the Company entered into a Securities Purchase Agreement with the Secretary of the Treasury ("Treasury") pursuant to which the Company sold to the Treasury, 13,000 shares of its Senior Non-Cumulative Perpetual Preferred Stock, Series B ("Series B Preferred Stock"), having a liquidation preference of $1,000 per share for aggregate proceeds of $13,000,000. This transaction was entered into as part of the SBLF. The Series B Preferred Stock was entitled to receive non-cumulative dividends payable quarterly, on each January 1, April 1, July 1 and October 1, beginning October 1, 2011. The dividend rate, which was calculated on the aggregate liquidation amount, was initially set at 4.2% per annum based upon the level of "Qualified Small Business Lending," or "QSBL" (as defined in the Securities Purchase Agreement) by Pathfinder Bank. The dividend rate for dividend periods subsequent to the initial period was set based upon the "Percentage Change in Qualified Lending" (as defined in the Securities Purchase Agreement) between each dividend period and the "Baseline" QSBL level. In general, the dividend rate decreased as the level of Pathfinder Bank's QSBL increased. Our dividend rate as of December 31, 2015 was 1.0%. Such dividends were not cumulative, but we could only declare and pay dividends on our common stock (or any other equity securities junior to the Series B Preferred Stock) if we have declared and paid dividends for the current dividend period on the Series B Preferred Stock. We were also subject to other restrictions on our ability to repurchase or redeem other securities. The Company had the right to redeem the shares of Series B Preferred Stock, in whole or in part, at any time at a redemption price equal to the sum of the liquidation amount per share and the per-share amount of any unpaid dividends for the then-current period, subject to any required prior approval by its primary federal regulator. On February 16, 2016, the Company redeemed all 13,000 shares of the Series B Preferred Stock outstanding with the payment of $13.0 million to the SBLF. This redemption was substantially financed by the The Company's goal is to maintain a strong capital position, consistent with the risk profile of its subsidiary banks that supports growth and expansion activities while at the same time exceeding regulatory standards. At December 31, 2016, the Bank exceeded all regulatory required minimum capital ratios and met the regulatory definition of a "well-capitalized" institution, i.e. a leverage capital ratio exceeding 5%, a Tier 1 risk-based capital ratio exceeding 6% and a total risk-based capital ratio exceeding 10%. The Bank is required to maintain average balances on hand or with the Federal Reserve Bank. At December 31, 2016 and 2015, these reserve balances amounted to $13.2 million and $3.9 million, respectively and are included in cash and due from banks in the statement of condition.

INTEREST RATE DERIVATIVE

INTEREST RATE DERIVATIVE	12 Months Ended
	Dec. 31, 2016
INTEREST RATE DERIVATIVE [Abstract]
INTEREST RATE DERIVATIVE	NOTE 21: INTEREST RATE DERIVATIVE Derivative instruments are entered into primarily as a risk management tool of the Company. Financial derivatives are recorded at fair value as other liabilities. The accounting for changes in the fair value of a derivative depends on whether it has been designated and qualifies as part of a hedging relationship. For a fair value hedge, changes in the fair value of the derivative instrument and changes in the fair value of the hedged asset or liability are recognized currently in earnings. For a cash flow hedge, changes in the fair value of the derivative instrument, to the extent that it is effective, are recorded in other comprehensive income and subsequently reclassified to earnings as the hedged transaction impacts net income. Any ineffective portion of a cash flow hedge is recognized currently in earnings. See Note 22 for further discussion of the fair value of the interest rate derivative. The Company has $5.0 million of floating rate trust preferred debt indexed to 3-month LIBOR. As a result, it is exposed to variability in cash flows related to changes in projected interest payments caused by changes in the benchmark interest rate. During the fourth quarter of fiscal 2009, the Company entered into an interest rate swap agreement, with a $2.0 million notional amount, to convert a portion of the floating rate trust preferred debt to a fixed rate for a term of approximately seven years at a rate of 4.96%. This swap agreement expired in the second quarter of 2016 and was not renewed. The derivative, while in effect, was designated as a cash flow hedge. The hedging strategy ensured that changes in cash flows from the derivative would have been highly effective at offsetting changes in interest expense from the hedged exposure. The following table summarizes the fair value of outstanding derivatives and their presentation on the statements of condition as of December 31: (In thousands) 2016 2015 Cash flow hedge: Other liabilities $ - $ 27 The change in accumulated other comprehensive loss, on a pretax basis, and the impact on earnings from the interest rate swap that qualifies as a cash flow hedge for the year ended December 31 were as follows: (In thousands) 2016 2015 Balance as of December 31: $ (27 ) $ (82 ) Amount of gains/losses recognized in other comprehensive income 2 (6 ) Amount of loss reclassified from other comprehensive income and recognized as interest expense 25 61 Balance as of December 31: $ - $ (27 ) No amount of ineffectiveness had been included in earnings for prior periods and the changes in fair value were recorded in other comprehensive (loss) income. Some, or all, of the amount included in accumulated other comprehensive (loss) income would have been reclassified into current earnings should a portion of, or the entire hedge no longer been considered effective.

FAIR VALUE MEASUREMENTS AND DIS

FAIR VALUE MEASUREMENTS AND DISCLOSURES	12 Months Ended
	Dec. 31, 2016
FAIR VALUE MEASUREMENTS AND DISCLOSURES [Abstract]
FAIR VALUE MEASUREMENTS AND DISCLOSURES	NOTE 22: FAIR VALUE MEASUREMENTS AND DISCLOSURES Accounting guidance related to fair value measurements and disclosures specifies a hierarchy of valuation techniques based on whether the inputs to those valuation techniques are observable or unobservable. Observable inputs reflect market data obtained from independent sources, while unobservable inputs reflect the Company's market assumptions. These two types of inputs have created the following fair value hierarchy: Level 1 – Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. Level 2 – Quoted prices for similar assets and liabilities in active markets; quoted prices for identical or similar assets or liabilities in markets that are not active; and model-derived valuations in which all significant inputs and significant value drivers are observable in active markets. Level 3 – Model-derived valuations in which one or more significant inputs or significant value drivers are unobservable. An asset's or liability's level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. In determining fair value, the Company utilizes valuation techniques that maximize the use of observable inputs, minimize the use of unobservable inputs, to the extent possible, and considers counterparty credit risk in its assessment of fair value. The Company used the following methods and significant assumptions to estimate fair value: Investment securities: The fair values of securities available-for-sale are obtained from an independent third party and are based on quoted prices on nationally recognized securities exchanges where available (Level 1). If quoted prices are not available, fair values are measured by utilizing matrix pricing, which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted prices for specific securities but rather by relying on the securities' relationship to other benchmark quoted securities (Level 2). Management made no adjustment to the fair value quotes that were received from the independent third party pricing service. During the third quarter of 2015, the Company purchased $313,000 of the common stock of a community-based financial institution that conducts its operations outside of the Company's primary market area. During the second quarter of 2016, the Company purchased an additional $130,000 of this common stock. The first purchase was in conjunction with a capital raise by the financial institution that attracted multiple investors and the second purchase was made in a private sale. The stock of this financial institution is not traded on any exchange and there are no quoted market prices available for this security (Level 3). Management has reviewed the results of the financial operations of the financial institution for the quarter and year ended December 31, 2016 and has concluded that this investment was appropriately valued at the acquisition cost of its most recent purchase, which was considered to be its fair value as of the measurement date. Interest rate swap derivative: The fair value of the interest rate swap derivative is obtained from a third party pricing agent and is calculated based on a discounted cash flow model. All future floating cash flows are projected and both floating and fixed cash flows are discounted to the valuation date. The curve utilized for discounting and projecting is built by obtaining publicly available third party market quotes for various swap maturity terms, and therefore is classified within Level 2 of the fair value hierarchy. The swap agreement presented in the accompanying financial statements expired in the second quarter of 2016 and was not renewed. Impaired loans: Impaired loans are those loans in which the Company has measured impairment based on the fair value of the loan's collateral or the discounted value of expected future cash flows. Fair value is generally determined based upon market value evaluations by third parties of the properties and/or estimates by management of working capital collateral or discounted cash flows based upon expected proceeds. These appraisals may include up to three approaches to value: the sales comparison approach, the income approach (for income-producing property), and the cost approach. Management modifies the appraised values, if needed, to take into account recent developments in the market or other factors, such as, changes in absorption rates or market conditions from the time of valuation and anticipated sales values considering management's plans for disposition. Such modifications to the appraised values could result in lower valuations of such collateral. Estimated costs to sell are based on current amounts of disposal costs for similar assets. These measurements are classified as Level 3 within the valuation hierarchy. Impaired loans are subject to nonrecurring fair value adjustment upon initial recognition or subsequent impairment. A portion of the allowance for loan losses is allocated to impaired loans if the value of such loans is deemed to be less than the unpaid balance. Foreclosed real estate: Fair values for foreclosed real estate are initially recorded based on market value evaluations by third parties, less costs to sell ("initial cost basis"). Any write-downs required when the related loan receivable is exchanged for the underlying real estate collateral at the time of transfer to foreclosed real estate are charged to the allowance for loan losses. Values are derived from appraisals, similar to impaired loans, of underlying collateral or discounted cash flow analysis. Subsequent to foreclosure, valuations are updated periodically and assets are marked to current fair value, not to exceed the initial cost basis. In the determination of fair value subsequent to foreclosure, management also considers other factors or recent developments, such as, changes in absorption rates and market conditions from the time of valuation and anticipated sales values considering management's plans for disposition. Either change could result in adjustment to lower the property value estimates indicated in the appraisals. These measurements are classified as Level 3 within the fair value hierarchy. The following tables summarize assets measured at fair value on a recurring basis as of December 31, segregated by the level of valuation inputs within the hierarchy utilized to measure fair value: 2016 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Available-for-sale portfolio Debt investment securities: US Treasury, agencies and GSEs $ - $ 24,184 $ - $ 24,184 State and political subdivisions - 16,481 - 16,481 Corporate - 15,195 - 15,195 Asset backed securities - 6,664 - 6,664 Residential mortgage-backed - US agency - 30,566 - 30,566 Collateralized mortgage obligations - US agency - 40,986 - 40,986 Collateralized mortgage obligations - Private label - 6,577 - 6,577 Equity investment securities: Mutual funds: Ultra short mortgage fund 626 - - 626 Large cap equity fund - - - - Common stock - Financial services industry - 220 456 676 Total available-for-sale securities $ 626 $ 140,873 $ 456 $ 141,955 Interest rate swap derivative $ - $ - $ - $ - 2015 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Available-for-sale portfolio Debt investment securities: US Treasury, agencies and GSEs $ - $ 21,308 $ - $ 21,308 State and political subdivisions - 8,300 - 8,300 Corporate - 18,128 - 18,128 Residential mortgage-backed - US agency - 32,573 - 32,573 Collateralized mortgage obligations - US agency - 16,833 - 16,833 Collateralized mortgage obligations - Private label - - - - Equity investment securities: Mutual funds: Ultra short mortgage fund 638 - - 638 Large cap equity fund 583 - - 583 Common stock - Financial services industry 46 220 313 579 Total available-for-sale securities $ 1,267 $ 97,362 $ 313 $ 98,942 Interest rate swap derivative $ - $ (27 ) $ - $ (27 ) The changes in Level 3 assets and liabilities measured at estimated fair value on a recurring basis as of December 31 were as follows: (In thousands) Common Stock - Financial Services Industry Balance - December 31, 2015 $ 313 Total gains realized/unrealized: Included in earnings - Included in other comprehensive income 13 Settlements 130 Sales - Balance - December 31, 2016 $ 456 Changes in unrealized gains included in earnings related to assets still held at December 31, 2016 $ - The following table summarizes the valuation techniques and significant unobservable inputs used for the Company's investments that are categorized within Level 3 of the fair value hierarchy at the indicated dates: (In thousands) At December 31, 2016 Investment Type Fair Value Valuation Techniques Unobservable Input Weight Common Stock - Financial Services Industry $ 456 Inputs to comparables Weight ascribed to comparable companies 100 % (In thousands) At December 31, 2015 Investment Type Fair Value Valuation Techniques Unobservable Input Weight Common Stock - Financial Services Industry $ 313 Inputs to comparables Weight ascribed to comparable companies 100 % Certain assets and liabilities are measured at fair value on a nonrecurring basis; that is, the instruments are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances (for example, when there is evidence of impairment). The following tables summarize assets measured at fair value on a nonrecurring basis as of December 31, segregated by the level of valuation inputs within the hierarchy utilized to measure fair value: 2016 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans $ - $ - $ 4,049 $ 4,049 Foreclosed real estate $ - $ - $ 393 $ 393 2015 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans $ - $ - $ 1,070 $ 1,070 Foreclosed real estate $ - $ - $ 360 $ 360 The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis and for which Level 3 inputs were used to determine fair value. Quantitative Information about Level 3 Fair Value Measurements Valuation Unobservable Range Techniques Input (Weighted Avg.) At December 31, 2016 Impaired loans Appraisal of collateral Appraisal Adjustments 5% - 10% (5%) (Sales Approach) Costs to Sell 8% - 13% (10%) Discounted Cash Flow Foreclosed real estate Appraisal of collateral Appraisal Adjustments 15% - 15% (15%) (Sales Approach) Costs to Sell 6% - 8% (7%) Quantitative Information about Level 3 Fair Value Measurements Valuation Unobservable Range Techniques Input (Weighted Avg.) At December 31, 2015 Impaired loans Appraisal of collateral Appraisal Adjustments 5% - 10% (8%) (Sales Approach) Costs to Sell 8% - 15% (14%) Discounted Cash Flow Foreclosed real estate Appraisal of collateral Appraisal Adjustments 15% - 15% (15%) (Sales Approach) Costs to Sell 6% - 8% (7%) Required disclosures include fair value information of financial instruments, whether or not recognized in the consolidated statement of condition, for which it is practicable to estimate that value. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, could not be realized in immediate settlement of the instrument. The Company has various processes and controls in place to ensure that fair value is reasonably estimated. The Company performs due diligence procedures over third-party pricing service providers in order to support their use in the valuation process. While the Company believes its valuation methods are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date. Management uses its best judgment in estimating the fair value of the Company's financial instruments; however, there are inherent weaknesses in any estimation technique. Therefore, for substantially all financial instruments, the fair value estimates herein are not necessarily indicative of the amounts the Company could have realized in a sales transaction on the dates indicated. The estimated fair value amounts have been measured as of their respective period-ends, and have not been re-evaluated or updated for purposes of these financial statements subsequent to those respective dates. As such, the estimated fair values of these financial instruments subsequent to the respective reporting dates may be different than the amounts reported at each period-end. The following information should not be interpreted as an estimate of the fair value of the entire Company since a fair value calculation is only provided for a limited portion of the Company's assets and liabilities. Due to a wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparisons between the Company's disclosures and those of other companies may not be meaningful. The Company, in estimating its fair value disclosures for financial instruments, used the following methods and assumptions: Cash and cash equivalents – The carrying amounts of these assets approximate their fair value and are classified as Level 1. Interest earning time deposits – The carrying amounts of these assets approximate their fair value and are classified as Level 1. Investment securities – The fair values of securities available-for-sale and held-to-maturity are obtained from an independent third party and are based on quoted prices on nationally recognized exchange where available (Level 1). If quoted prices are not available, fair values are measured by utilizing matrix pricing, which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted prices for specific securities, but rather by relying on the securities' relationship to other benchmark quoted securities (Level 2). Management made no adjustment to the fair value quotes that were received from the independent third party pricing service. During the third quarter of 2015, the Company purchased $313,000 of the common stock of a community-based financial institution that conducts its operations outside of the Company's primary market area. During the second quarter of 2016, the Company purchased an additional $130,000 of this common stock. The first purchase was in conjunction with a capital raise by the financial institution that attracted multiple investors and the second purchase was made in a private sale. The stock of this financial institution is not traded on any exchange and there are no quoted market prices available for this security (Level 3). Management has reviewed the results of the financial operations of the financial institution for the quarter and year ended December 31, 2016 and has concluded that this investment was appropriately valued at the acquisition cost of its most recent purchase, which was considered to be its fair value as of the measurement date. Federal Home Loan Bank stock – The carrying amount of these assets approximates their fair value and are classified as Level 2. Net loans – For variable-rate loans that re-price frequently, fair value is based on carrying amounts. The fair value of other loans (for example, fixed-rate commercial real estate loans, mortgage loans, and commercial and industrial loans) is estimated using discounted cash flow analysis, based on interest rates currently being offered in the market for loans with similar terms to borrowers of similar credit quality. Loan value estimates include judgments based on expected prepayment rates. The measurement of the fair value of loans, including impaired loans, is classified within Level 3 of the fair value hierarchy. Accrued interest receivable and payable – The carrying amount of these assets approximates their fair value and are classified as Level 1. Deposits – The fair values disclosed for demand deposits (e.g., interest-bearing and noninterest-bearing checking, passbook savings and certain types of money management accounts) are, by definition, equal to the amount payable on demand at the reporting date (i.e., their carrying amounts) and are classified within Level 1 of the fair value hierarchy. Fair values for fixed-rate certificates of deposit are estimated using a discounted cash flow calculation that applies interest rates currently being offered in the market on certificates of deposits to a schedule of aggregated expected monthly maturities on time deposits. Measurements of the fair value of time deposits are classified within Level 2 of the fair value hierarchy. Borrowings – Fixed/variable term "bullet" structures are valued using a replacement cost of funds approach. These borrowings are discounted to the FHLBNY advance curve. Option structured borrowings' fair values are determined by the FHLB for borrowings that include a call or conversion option. If market pricing is not available from this source, current market indications from the FHLBNY are obtained and the borrowings are discounted to the FHLBNY advance curve less an appropriate spread to adjust for the option. These measurements are classified as Level 2 within the fair value hierarchy. Subordinated Loans – The Company secures quotes from its pricing service based on a discounted cash flow methodology or utilizes observations of recent highly-similar transactions which result in a Level 2 classification. Interest rate swap derivative – The fair value of the interest rate swap derivative is obtained from a third party pricing agent and is calculated based on a discounted cash flow model. All future floating cash flows are projected and both floating and fixed cash flows are discounted to the valuation date. The curve utilized for discounting and projecting is built by obtaining publicly available third party market quotes for various swap maturity terms, and therefore is classified within Level 2 of the fair value hierarchy. The swap agreement presented in the accompanying financial statements expired in the second quarter of 2016 and was not renewed. The carrying amounts and fair values of the Company's financial instruments as of December 31 are presented in the following table: 2016 2015 Fair Value Carrying Estimated Carrying Estimated (In thousands) Hierarchy Amounts Fair Values Amounts Fair Values Financial assets: Cash and cash equivalents 1 $ 22,419 $ 22,419 $ 15,245 $ 15,245 Investment securities - available-for-sale 1 626 626 1,267 1,267 Investment securities - available-for-sale 2 140,873 140,873 97,362 97,362 Investment securities - available-for-sale 3 456 456 313 313 Investment securities - held-to-maturity 2 54,645 54,429 44,297 45,515 Federal Home Loan Bank stock 2 3,250 3,250 2,424 2,424 Net loans 3 485,900 484,704 424,732 428,410 Accrued interest receivable 1 2,532 2,532 2,053 2,053 Financial liabilities: Demand Deposits, Savings, NOW and MMDA 1 $ 421,627 $ 421,627 $ 343,853 $ 343,853 Time Deposits 2 189,356 189,197 146,462 146,158 Borrowings 2 58,947 58,918 41,300 41,282 Subordinated loans 2 15,025 14,310 14,991 14,027 Accrued interest payable 1 75 75 199 199 Interest rate swap derivative 2 - - 27 27

PARENT COMPANY - FINANCIAL INFO

PARENT COMPANY - FINANCIAL INFORMATION	12 Months Ended
	Dec. 31, 2016
PARENT COMPANY - FINANCIAL INFORMATION [Abstract]
PARENT COMPANY - FINANCIAL INFORMATION	NOTE 23: PARENT COMPANY – FINANCIAL INFORMATION The following represents the condensed financial information of Pathfinder Bancorp, Inc. as of and for the years ended December 31: Statements of Condition 2016 2015 (In thousands) Assets Cash $ 5,424 $ 21,418 Investments 455 358 Investment in bank subsidiary 67,281 64,519 Investment in non-bank subsidiary 155 155 Other assets 475 185 Total assets $ 73,790 $ 86,635 Liabilities and Shareholders' Equity Accrued liabilities $ 404 $ 415 Subordinated loans 15,025 14,991 Shareholders' equity 58,361 71,229 Total liabilities and shareholders' equity $ 73,790 $ 86,635 Statements of Income 2016 2015 (In thousands) Income Dividends from non-bank subsidiary $ 4 $ 4 Realized gains on available-for sale investment securities 108 - Total income 112 4 Expenses Interest 880 300 Operating, net 230 248 Total expenses 1,110 548 Loss before taxes and equity in undistributed net income of subsidiaries (998 ) (544 ) Tax benefit 254 162 Loss before equity in undistributed net income of subsidiaries (744 ) (382 ) Equity in undistributed net income of subsidiaries 4,016 3,271 Net income $ 3,272 $ 2,889 Statements of Cash Flows 2016 2015 (In thousands) Operating Activities Net Income $ 3,272 $ 2,889 Equity in undistributed net income of subsidiaries (4,016 ) (3,271 ) Realized gains on available-for-sale investment securities (23 ) - Stock based compensation and ESOP expense 557 354 Amortization of deferred financing from subordinated loan 34 - Net change in other assets and liabilities (152 ) 95 Net cash flows from operating activities (328 ) 67 Investing Activities Purchase investments (130 ) (312 ) Net gain on hedging transaction (85 ) - Proceeds from sale of investment 43 - Net cash flows from investing activities (172 ) (312 ) Financing activities Redemption of preferred stock - SBLF (13,000 ) - Proceeds from exercise of stock options 143 9 Proceeds from subordinated loan - 9,836 Purchase of common stock (1,755 ) - Cash dividends paid to preferred shareholders (16 ) (130 ) Cash dividends paid to common shareholders (866 ) (609 ) Net cash flows from financing activities (15,494 ) 9,106 Change in cash and cash equivalents (15,994 ) 8,861 Cash and cash equivalents at beginning of year 21,418 12,557 Cash and cash equivalents at end of year $ 5,424 $ 21,418

RELATED PARTY TRANSACTIONS

RELATED PARTY TRANSACTIONS	12 Months Ended
	Dec. 31, 2016
RELATED PARTY TRANSACTIONS [Abstract]
RELATED PARTY TRANSACTIONS	NOTE 24: RELATED PARTY TRANSACTIONS In the ordinary course of business, the Company has granted loans to certain directors, executive officers and their affiliates (collectively referred to as "related parties"). These loans were made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with other unaffiliated parties and do not involve more than normal risk of collectability. The following represents the activity associated with loans to related parties during the year ended December 31, 2016: (In thousands) Balance at the beginning of the year $ 10,324 Originations and Officer additions 2,122 Principal payments (1,562 ) Balance at the end of the year $ 10,884 Deposits of related parties at December 31, 2016 and December 31, 2015 were $3.4 million and $2.0 million, respectively.

CONVERSION AND REORGANIZATION

CONVERSION AND REORGANIZATION	12 Months Ended
	Dec. 31, 2016
CONVERSION AND REORGANIZATION [Abstract]
CONVERSION AND REORGANIZATION	NOTE 25: CONVERSION AND REORGANIZATION On October 16, 2014, the former Pathfinder Bancorp ("former Pathfinder") completed the conversion and reorganization pursuant to which Pathfinder Bancorp, MHC converted to the stock holding company form of organization under a "second step" conversion (the "Conversion"), and the Bank reorganized from the two-tier mutual holding company structure to the stock holding company structure. Prior to the completion of the Conversion, the MHC owned approximately 60.4% of the common stock of the Company. The Company, the new stock holding company for Pathfinder Bank, sold 2,636,053 shares of common stock at $10.00 per share, for gross offering proceeds of $26.4 million in its stock offering. In addition, $197,000 in cash was received by the Company from the MHC upon it ceasing to exist. Concurrent with the completion of the offering, shares of common stock of the Company owned by the public were exchanged for shares of the Company's common stock so that the shareholders now own approximately the same percentage of the Company's common stock as they owned of the former Pathfinder's common stock immediately prior to the Conversion. Shareholders of the former Pathfinder received 1.6472 shares of the Company's common stock for each share of the former Pathfinder's common stock that they owned immediately prior to completion of the transaction. As a result of the offering and the exchange of shares, the Company had 4,353,850 shares outstanding at December 31, 2014. The Company has 4,353,850 and 4,236,744 shares outstanding at December 31, 2015 and December 31, 2016, respectively. The Conversion was accounted for as a change in corporate form with no resulting change in the historical basis of the Company's assets, liabilities, and equity. Costs related to the offering were primarily marketing fees paid to the Company's investment banking firm, legal and professional fees, registration fees, printing and mailing costs and totaled $1.5 million. Accordingly, net proceeds were $24.9 million. In addition, as part of the Conversion and dissolution of the MHC, the Company received $197,000 of cash previously held by the MHC. As a result of the Conversion and Offering, Pathfinder Bancorp, Inc., a federal corporation, was succeeded by a new fully public Maryland corporation with the same name and the MHC ceased to exist. The shares of common stock sold in the offering and issued began trading on the NASDAQ Capital Market on October 17, 2014 under the trading symbol "PBHC." In accordance with Board of Governors of the Federal Reserve System regulations, at the time of the reorganization, the Company substantially restricted retained earnings by establishing a liquidation account. The liquidation account will be maintained for the benefit of eligible account holders who continue to maintain their accounts at the Bank after conversion. The Bank will establish a parallel liquidation account to support the Company's liquidation account in the event the Company does not have sufficient assets to fund its obligations under its liquidation account. The liquidation accounts will be reduced annually to the extent that eligible account holders have reduced their qualifying deposits. Subsequent increases will not restore an eligible account holder's interest in the liquidation accounts. In the event of a complete liquidation of the Bank or the Company, each account holder will be entitled to receive a distribution in an amount proportionate to the adjusted qualifying account balances then held. The Bank may not pay dividends if those dividends would reduce equity capital below the required liquidation account amount.

ACCUMULATED OTHER COMPREHENSIVE

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)	12 Months Ended
	Dec. 31, 2016
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) [Abstract]
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)	NOTE 26: ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) Changes in the components of accumulated other comprehensive income (loss) ("AOCI"), net of tax, for the periods indicated are summarized in the table below. For the years ended December 31, 2016 (In thousands) Retirement Plans Unrealized Gains and Losses on Financial derivative Unrealized Gains and Losses on Available-for-Sale Securities Unrealized Loss on Securities Transferred to Held-to-Maturity Total Beginning balance $ (1,844 ) $ (16 ) $ (51 ) $ (654 ) $ (2,565 ) Other comprehensive income before reclassifications 198 1 (1,436 ) 190 (1,045 ) Amounts reclassified from AOCI 133 15 (358 ) - (212 ) Ending balance $ (1,513 ) $ - $ (1,845 ) $ (464 ) $ (3,822 ) For the years ended December 31, 2015 (In thousands) Retirement Plans Unrealized Gains and Losses on Financial derivative Unrealized Gains and Losses on Available-for-Sale Securities Unrealized Loss on Securities Transferred to Held-to-Maturity Total Beginning balance $ (1,794 ) $ (49 ) $ 457 $ (733 ) $ (2,119 ) Other comprehensive (loss) income before reclassifications (161 ) (4 ) (255 ) 79 (341 ) Amounts reclassified from AOCI 111 37 (253 ) - (105 ) Ending balance $ (1,844 ) $ (16 ) $ (51 ) $ (654 ) $ (2,565 ) The following table presents the amounts reclassified out of each component of AOCI for the indicated annual period: (In thousands) For the years ended Details about AOCI 1 December 31, 2016 December 31, 2015 Affected Line Item in the Statement of Income Unrealized holding gain on financial derivative: Reclassification adjustment for interest expense included in net income $ (25 ) $ (61 ) Interest on long term borrowings 10 24 Provision for income taxes $ (15 ) $ (37 ) Net Income Retirement plan items Retirement plan net losses recognized in plan expenses 2 $ (222 ) $ (185 ) Salaries and employee benefits 89 74 Provision for income taxes $ (133 ) $ (111 ) Net Income Available-for-sale securities Realized gain on sale of securities $ 594 $ 422 Net gains on sales and redemptions of investment securities (236 ) (169 ) Provision for income taxes 358 253 Net Income 1 2 See Note 14 for additional information.

SUMMARY OF SIGNIFICANT ACCOUN35

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 2016
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Nature of Operations	Nature of Operations The accompanying consolidated financial statements include the accounts of Pathfinder Bancorp, Inc. (the "Company") and its wholly owned subsidiary, Pathfinder Bank (the "Bank"). The Company is a Maryland corporation headquartered in Oswego, New York. On October 16, 2014, the Company completed its conversion from the mutual holding company structure and the related public offering and is now a stock holding company that is fully owned by the public. As a result of the conversion, the mutual holding company and former mid-tier holding company were merged into Pathfinder Bancorp, Inc. The primary business of the Company is its investment in Pathfinder Bank (the "Bank") which is 100% owned by the Company. The Company sold 2,636,053 shares of common stock in the offering, including 105,442 shares sold to the Pathfinder Bank employee stock ownership plan ("ESOP"). All shares were sold at a price of $10.00 per share raising $26.4 million in gross proceeds. Additionally, $197,000 in cash was received from the merger of MHC into the company; and after accounting for conversion related expenses of $1.5 million, the Company received $24.9 million in net proceeds. Concurrent with the completion of the offering, publicly owned shares of Pathfinder Bancorp, Inc., a federal corporation, were exchanged for 1.6472 shares of the Company's common stock. At December 31, 2016, 4,236,744 shares of common stock were outstanding. The Bank has three wholly owned operating subsidiaries, Pathfinder Risk Management Company, Inc. ("PRMC"), Pathfinder REIT, Inc. and Whispering Oaks Development Corp. All significant inter-company accounts and activity have been eliminated in consolidation. Although the Company owns, through its subsidiary PRMC, 51% of the membership interest in FitzGibbons Agency, LLC ("FitzGibbons"), the Company is required to consolidate 100% of FitzGibbons within the consolidated financial statements. The 49% of which the Company does not own is accounted for separately as noncontrolling interests within the consolidated financial statements. The Company has seven offices located in Oswego County and two offices in Onondaga County. The Company is primarily engaged in the business of attracting deposits from the general public in the Company's market area, and investing such deposits, together with other sources of funds, in loans secured by commercial real estate, business assets, one-to-four family residential real estate and investment securities.
Use of Estimates in the Preparation of Consolidated Financial Statements	Use of Estimates in the Preparation of Consolidated Financial Statements The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Management has identified the allowance for loan losses, deferred income taxes, pension obligations, the annual evaluation of the Company's goodwill for possible impairment and the evaluation of investment securities for other than temporary impairment and the estimation of fair values for accounting and disclosure purposes to be the accounting areas that require the most subjective and complex judgments, and as such, could be the most subject to revision as new information becomes available. The Company is subject to the regulations of various governmental agencies. The Company also undergoes periodic examinations by the regulatory agencies which may subject it to further changes with respect to asset valuations, amounts of required loss allowances, and operating restrictions resulting from the regulators' judgments based on information available to them at the time of their examinations.
Significant Group Concentrations of Credit Risk	Significant Group Concentrations of Credit Risk Most of the Company's activities are with customers located primarily in Oswego and Onondaga counties of New York State. A large portion of the Company's portfolio is centered in residential and commercial real estate. The Company closely monitors real estate collateral values and requires additional reviews of commercial real estate appraisals by a qualified third party for commercial real estate loans in excess of $400,000. All residential loan appraisals are reviewed by an individual or third party who is independent of the loan origination or approval process and was not involved in the approval of appraisers or selection of the appraiser for the transaction, and has no direct or indirect interest, financial or otherwise in the property or the transaction.
Advertising	Advertising The Company follows the policy of charging the costs of advertising to expense as incurred.
Noncontrolling Interest	Noncontrolling Interest Noncontrolling interest represents the portion of ownership and profit or loss that is attributable to the minority owners of the FitzGibbons Agency.
Cash and Cash Equivalents	Cash and Cash Equivalents Cash and cash equivalents include cash on hand, amounts due from banks and interest-bearing deposits (with original maturity of three months or less).
Investment Securities	Investment Securities The Company classifies investment securities as either available-for-sale or held-to-maturity. The Company does not hold any securities considered to be trading. Available-for-sale securities are reported at fair value, with net unrealized gains and losses reflected as a separate component of shareholders' equity, net of the applicable income tax effect. Held-to-maturity securities are those that the Company has the ability and intent to hold until maturity and are reported at amortized cost. Gains or losses on investment security transactions are based on the amortized cost of the specific securities sold. Premiums and discounts on securities are amortized and accreted into income using the interest method over the period to maturity. Note 4 to the consolidated financial statements includes additional information about the Company's accounting policies with respect to the impairment of investment securities.
Federal Home Loan Bank Stock	Federal Home Loan Bank Stock Federal law requires a member institution of the Federal Home Loan Bank ("FHLB") system to hold stock of its district FHLB according to a predetermined formula. The stock is carried at cost.
Transfers of Financial Assets	Transfers of Financial Assets Transfers of financial assets, including sales of loans and loan participations, 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.
Loans	Loans The Company grants mortgage, commercial, municipal, and consumer loans to customers. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off are stated at their outstanding unpaid principal balances, less the allowance for loan losses plus net deferred loan origination costs. The ability of the Company's debtors to honor their contracts is dependent upon the real estate and general economic conditions in the market area. Interest income is generally recognized when income is earned using the interest method. Nonrefundable loan fees received and related direct origination costs incurred are deferred and amortized over the life of the loan using the interest method, resulting in a constant effective yield over the loan term. Deferred fees are recognized into income and deferred costs are charged to income immediately upon prepayment of the related loan. The loans receivable portfolio is segmented into residential mortgage, commercial and consumer loans. The residential mortgage segment consists of one-to-four family first-lien residential mortgages and construction loans. Commercial loans consist of the following classes: real estate, lines of credit, other commercial and industrial, and tax-exempt loans. Consumer loans include both home equity lines of credit and loans with junior liens and other consumer loans.
Allowance for Loan Losses	Allowance for Loan Losses The allowance for loan losses represents management's estimate of losses inherent in the loan portfolio as of the date of the statement of condition and it is recorded as a reduction of loans. The allowance is increased by the provision for loan losses, and decreased by charge-offs, net of recoveries. Loans deemed to be uncollectible are charged against the allowance for loan losses, and subsequent recoveries, if any, are credited to the allowance. All, or part, of the principal balance of loans receivable are charged off to the allowance as soon as it is determined that the repayment of all, or part, of the principal balance is highly unlikely. Non-residential consumer loans are generally charged off no later than 120 days past due on a contractual basis, unless productive collection efforts are providing results. Consumer loans may be charged off earlier in the event of bankruptcy, or if there is an amount that is deemed uncollectible. No portion of the allowance for loan losses is restricted to any individual loan product and the entire allowance is available to absorb any and all loan losses. The allowance for loan losses is maintained at a level considered adequate to provide for losses that can be reasonably anticipated. Management performs a quarterly evaluation of the adequacy of the allowance. The allowance is based on three major components which are; specific components for larger loans, recent historical losses and several qualitative factors applied to a general pool of loans, and an unallocated component. The first component is the specific component that relates to loans that are classified as impaired. For these loans, an allowance is established when the discounted cash flows or collateral value of the impaired loan is lower than the carrying value of that loan. The second or general component covers pools of loans, by loan class, not considered impaired, smaller balance homogeneous loans, such as residential real estate, home equity and other consumer loans. These pools of loans are evaluated for loss exposure first based on historical loss rates for each of these categories of loans. The ratio of net charge-offs to loan outstandings within each product class, over the most recent eight quarters, lagged by one quarter, is used to generate the historical loss rates. In addition, qualitative factors are added to the historical loss rates in arriving at the total allowance for loan loss need for this general pool of loans. The qualitative factors include changes in national and local economic trends, the rate of growth in the portfolio, trends of delinquencies and nonaccrual balances, changes in loan policy, and changes in lending management experience and related staffing. Each factor is assigned a value to reflect improving, stable or declining conditions based on management's best judgment using relevant information available at the time of the evaluation. These qualitative factors, applied to each product class, make the evaluation inherently subjective, as it requires material estimates that may be susceptible to significant revision as more information becomes available. Adjustments to the factors are supported through documentation of changes in conditions in a narrative accompanying the allowance for loan loss analysis and calculation. The third or unallocated component is maintained to cover uncertainties that could affect management's estimate of probable losses. The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio and generally comprises less than 10% of the total allowance for loan loss. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and shortfalls on a case-by case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length and reason for the delay, the borrower's prior payment record and the amount of shortfall in relation to what is owed. Impairment is measured by either the present value of the expected future cash flows discounted at the loan's effective interest rate or the fair value of the underlying collateral if the loan is collateral dependent. The majority of the Company's loans utilize the fair value of the underlying collateral. An allowance for loan loss is established for an impaired loan if its carrying value exceeds its estimated fair value. The estimated fair values of substantially all of the Company's impaired loans are measured based on the estimated fair value of the loan's collateral. For loans secured by real estate, estimated fair values are determined primarily through third-party appraisals, less costs to sell. Appraised values are discounted to arrive at the estimated selling price of the collateral, which is considered to be the estimated fair value. The discounts also include estimated costs to sell the property. For commercial and industrial loans secured by non-real estate collateral, such as accounts receivable, inventory and equipment, estimated fair values are determined based on the borrower's financial statements, inventory reports, accounts receivable agings or equipment appraisals or invoices. Indications of value from these sources are generally discounted based on the age of the financial information or the quality of the assets. Large groups of homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual residential mortgage loans less than $300,000, home equity and other consumer loans for impairment disclosures, unless such loans are related to borrowers with impaired commercial loans or they are subject to a troubled debt restructuring agreement. Loans that are related to borrowers with impaired commercial loans or are subject to a troubled debt restructuring agreement are evaluated individually for impairment. . Commercial loans whose terms are modified are classified as troubled debt restructurings if the Company grants such borrowers concessions and it is deemed that those borrowers are experiencing financial difficulty. Concessions granted under a troubled debt restructuring generally include but are not limited to a temporary reduction in the interest rate or an extension of a loan's stated maturity date. Commercial loans classified as troubled debt restructurings are designated as impaired and evaluated individually as discussed above. The allowance calculation methodology includes further segregation of loan classes into risk rating categories. The borrower's overall financial condition, repayment sources, guarantors and value of the collateral, if appropriate, are evaluated not less than annually for commercial loans or when credit deficiencies arise on all loans. Credit quality risk ratings include regulatory classifications of special mention, substandard, doubtful and loss. See Note 5 for a description of these regulatory classifications. In addition, Federal and State regulatory agencies, as an integral part of their examination process, periodically review the Company's allowance for loan losses and may require the Company to recognize additions to the allowance based on their judgments about information available to them at the time of their examination, which may not be currently available to management. Based on management's comprehensive analysis of the loan portfolio, management believes the current level of the allowance for loan losses is adequate.
Income Recognition on Impaired and Nonaccrual Loans	Income Recognition on Impaired and Nonaccrual Loans For all classes of loans receivable, the accrual of interest is discontinued when the contractual payment of principal or interest has become 90 days past due or management has serious doubts about further collectability of principal or interest, even though the loan may be currently performing. A loan may remain on accrual status if it is either well secured or guaranteed and in the process of collection. When a loan is placed on nonaccrual status, unpaid interest is reversed and charged to interest income. Interest received on nonaccrual loans, including impaired loans, generally is either applied against principal or reported as interest income, according to management's judgment as to the collectability of principal. Generally, loans are restored to accrual status when the obligation is brought current, has performed in accordance with the contractual terms for a reasonable period of time, generally six months, and the ultimate collectability of the total contractual principal and interest is no longer in doubt. Nonaccrual troubled debt restructurings are restored to accrual status if principal and interest payments, under the modified terms, are current for six consecutive months after modification. For nonaccrual loans, when future collectability of the recorded loan balance is expected, interest income may be recognized on a cash basis. In the case where a nonaccrual loan had been partially charged off, recognition of interest on a cash basis is limited to that which would have been recognized on the recorded loan balance at the contractual interest rate. Cash interest receipts in excess of that amount are recorded as recoveries to the allowance for loan losses until prior charge-offs have been fully recovered.
Off-Balance Sheet Credit Related Financial Instruments	Off-Balance Sheet Credit Related Financial Instruments In the ordinary course of business, the Company has entered into commitments to extend credit, including commitments under standby letters of credit. Such financial instruments are recorded when they are funded.
Premises and Equipment	Premises and Equipment Premises and equipment are stated at cost, less accumulated depreciation. Depreciation is computed on a straight-line basis over the estimated useful lives of the related assets, ranging up to 40 years for premises and 10 years for equipment. Maintenance and repairs are charged to operating expenses as incurred. The asset cost and accumulated depreciation are removed from the accounts for assets sold or retired and any resulting gain or loss is included in the determination of income.
Foreclosed Real Estate	Foreclosed Real Estate Physical possession of residential real estate property collateralizing a residential mortgage loan occurs when legal title is obtained upon completion of foreclosure or when the borrower conveys all interest in the property to satisfy the loan through completion of a deed-in-lieu of foreclosure or through a similar legal agreement. Properties acquired through foreclosure, or by deed-in-lieu of foreclosure, are recorded at their fair value less estimated costs to sell. Fair value is typically determined based on evaluations by third parties. Costs incurred in connection with preparing the foreclosed real estate for disposition are capitalized to the extent that they enhance the overall fair value of the property. Any write-downs on the asset's fair value less costs to sell at the date of acquisition are charged to the allowance for loan losses. Subsequent write downs and expenses of foreclosed real estate are included as a valuation allowance and recorded in noninterest expense.
Goodwill and Intangible Assets	Goodwill and Intangible Assets Goodwill represents the excess cost of an acquisition over the fair value of the net assets acquired. Goodwill is not amortized, but is evaluated annually for impairment. Intangible assets, such as customer relationships, are amortized over their useful lives, generally 15 years.
Mortgage Servicing Rights	Mortgage Servicing Rights Originated mortgage servicing rights are recorded at their fair value at the time of transfer of the related loans and are amortized in proportion to, and over the period of, estimated net servicing income or loss. The carrying value of the originated mortgage servicing rights is periodically evaluated for impairment or between annual evaluations under certain circumstances.
Stock-Based Compensation	Stock-Based Compensation Compensation costs related to share-based payment transactions are recognized based on the grant-date fair value of the stock-based compensation issued. Compensation costs are recognized over the period that an employee provides service in exchange for the award. Compensation costs related to the Employee Stock Ownership Plan are dependent upon the average stock price and the shares committed to be released to plan participants through the period in which income is reported.
Retirement Benefits	Retirement Benefits The Company has a non-contributory defined benefit pension plan that covered substantially all employees. On May 14, 2012, the Company informed its employees of its decision to freeze participation and benefit accruals under the plan, primarily to reduce some of the volatility in earnings that can accompany the maintenance of a defined benefit plan. The plan was frozen on June 30, 2012. Compensation earned by employees up to June 30, 2012 is used for purposes of calculating benefits under the plan but there will be no future benefit accruals after this date. Participants as of June 30, 2012 will continue to earn vesting credit with respect to their frozen accrued benefits as they continue to work. Pension expense under these plans is charged to current operations and consists of several components of net pension cost based on various actuarial assumptions regarding future experience under the plans. Gains and losses, prior service costs and credits, and any remaining transition amounts that have not yet been recognized through net periodic benefit cost are recognized in accumulated other comprehensive loss, net of tax effects, until they are amortized as a component of net periodic cost. Plan assets and obligations are measured as of the Company's statement of condition date. The Company has unfunded deferred compensation and supplemental executive retirement plans for selected current and former employees and officers that provide benefits that cannot be paid from a qualified retirement plan due to Internal Revenue Code restrictions. These plans are nonqualified under the Internal Revenue Code, and assets used to fund benefit payments are not segregated from other assets of the Company, therefore, in general, a participant's or beneficiary's claim to benefits under these plans is as a general creditor. The Bank sponsors an Employee Stock Ownership Plan ("ESOP") covering substantially all full time employees. The cost of shares issued to the ESOP but not committed to be released to the participants is presented in the consolidated statement of condition as a reduction of shareholders' equity. ESOP shares are released to the participants on an annual basis in accordance with a predetermined schedule. The Company records ESOP compensation expense based on the shares committed to be released and allocated to the participant's accounts multiplied by the average share price of the Company's stock over the period. Dividends related to unallocated shares are recorded as compensation expense.
Derivative Financial Instruments	Derivative Financial Instruments Derivatives are recorded on the statement of condition as assets and liabilities measured at their fair value. The accounting for increases and decreases in the value of derivatives depends upon the use of derivatives and whether the derivatives qualify for hedge accounting. The Company currently has one interest rate swap, which has been determined to be a cash flow hedge. The fair value of cash-flow hedging instruments ("Cash Flow Hedge") is recorded in either other assets or other liabilities. On an ongoing basis, the statement of condition is adjusted to reflect the then current fair value of the Cash Flow Hedge. The related gains or losses are reported in other comprehensive income (loss) and are subsequently reclassified into earnings, as a yield adjustment in the same period in which the related interest on the hedged item (primarily a variable-rate debt obligation) affects earnings. To the extent that the Cash Flow Hedge is not effective, the ineffective portion of the Cash Flow Hedge is immediately recognized as interest expense. As a hedge against rising short-term interest rates, the Company sold a U.S. Treasury security in the amount of $25 million during the fourth quarter of 2016. The Company was in controlling possession of, but did not own, the security which had been received as collateral, under an industry-standard repurchase agreement, for a 30-day no interest loan of approximately $25 million to an unrelated third party. The sale of this security provided the funds necessary to advance the loan to the third party and placed the Company in what is generally described as a "short position" with respect to the sold U.S. Treasury security. This transaction acted as a hedge against rising short-term interest rates because the price of the security would be expected to decline in a rising short-term interest rate environment and could be subsequently re-acquired at the conclusion of the 30-day loan period at a price lower than the price at which it was originally sold. Short-term rates rose during the 30-day loan period and, consequently, the Company recognized a gain on the sale of securities in the amount of $85,000 and a tax benefit of $34,000 when the Treasury security was repurchased. The tax benefit arose from the reversal of reserves established in prior years against the Company's deferred tax asset position as the transaction gain was characterized as a capital gain for tax purposes. This capital gain was essentially tax free to the Company as the result of the utilization of existing, previously reserved-for, capital loss tax carryforwards that were established in 2011 and 2013. The recognized tax benefit reduced the Company's effective tax rate from what would have been 26.6% to 25.2% in 2016. The gain income and the recognized tax benefits derived from this transaction were partially offset by an additional $54,000 in after-tax interest expense that increased interest expense and therefore reduced pretax net interest margin by $82,000 in the fourth quarter of 2016. In total, after-tax net income was increased by approximately $65,000 during the fourth quarter of 2016 as a result of this transaction. Prior to the commencement of this transaction, the Company incurred consulting and placement fees of $59,000, of which $53,000 has been recorded on the Company's Consolidated Statements of Condition as deferred fees. These deferred fees will be recognized ratably as interest expense on the occasions that this hedging position is reestablished in future periods. The hedge position was closed on December 23, 2016 and, other than the deferred fees of $53,000 discussed above, had no effect on the Company's consolidated financial condition at December 31, 2016.
Income Taxes	Income Taxes Provisions for income taxes are based on taxes currently payable or refundable and deferred income taxes on temporary differences between the tax basis of assets and liabilities and their reported amounts in the consolidated financial statements. Deferred tax assets and liabilities are reported in the consolidated financial statements at currently enacted income tax rates applicable to the period in which the deferred tax assets and liabilities are expected to be realized or settled.
Earning Per Share	Earnings Per Share Basic earnings per common share are computed by dividing net income, after preferred stock dividends and preferred stock discount accretion, by the weighted average number of common shares outstanding throughout each year. Diluted earnings per share gives effect to weighted average shares that would be outstanding assuming the exercise of issued stock options and warrants using the treasury stock method. Unallocated shares of the Company's ESOP plan are not included when computing earnings per share until they are committed to be released.
Segment Reporting	Segment Reporting The Company has evaluated the activities relating to its strategic business units. The controlling interest in the FitzGibbons Agency is dissimilar in nature and management when compared to the Company's other strategic business units which are judged to be similar in nature and management. The Company has determined that the FitzGibbons Agency is below the reporting threshold in size in accordance with Accounting Standards Codification 280. Accordingly, the Company has determined it has no reportable segments.
Comprehensive Income (Loss)	Comprehensive Income (Loss) Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities are reported as a separate component of the equity section of the statement of condition, such items, along with net income, are components of comprehensive income. Accumulated other comprehensive loss represents the sum of these items, with the exception of net income, as of the balance sheet date and is represented in the table below. As of December 31, Accumulated Other Comprehensive Loss By Component: 2016 2015 Unrealized loss for pension and other postretirement obligations $ (2,520 ) $ (3,073 ) Tax effect 1,007 1,229 Net unrealized loss for pension and other postretirement obligations (1,513 ) (1,844 ) Unrealized loss on financial derivative instruments used in cash flow hedging relationships - (27 ) Tax effect - 11 Net unrealized loss on financial derivative instruments used in cash flow hedging relationships - (16 ) Unrealized loss on available-for-sale securities (3,072 ) (85 ) Tax effect 1,227 34 Net unrealized loss on available-for-sale securities (1,845 ) (51 ) Unrealized loss on securities transferred to held-to-maturity (774 ) (1,090 ) Tax effect 310 436 Net unrealized loss on securities transferred to held-to-maturity (464 ) (654 ) Accumulated other comprehensive loss $ (3,822 ) $ (2,565 )
Reclassifications	Reclassifications Certain amounts in the 2015 consolidated financial statements have been reclassified to conform to the current year presentation. These reclassifications had no effect on net income as previously reported.

SUMMARY OF SIGNIFICANT ACCOUN36

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)	12 Months Ended
	Dec. 31, 2016
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Schedule of Accumulated Other Comprehensive Loss	Changes in the components of accumulated other comprehensive income (loss) ("AOCI"), net of tax, for the periods indicated are summarized in the table below. For the years ended December 31, 2016 (In thousands) Retirement Plans Unrealized Gains and Losses on Financial derivative Unrealized Gains and Losses on Available-for-Sale Securities Unrealized Loss on Securities Transferred to Held-to-Maturity Total Beginning balance $ (1,844 ) $ (16 ) $ (51 ) $ (654 ) $ (2,565 ) Other comprehensive income before reclassifications 198 1 (1,436 ) 190 (1,045 ) Amounts reclassified from AOCI 133 15 (358 ) - (212 ) Ending balance $ (1,513 ) $ - $ (1,845 ) $ (464 ) $ (3,822 ) For the years ended December 31, 2015 (In thousands) Retirement Plans Unrealized Gains and Losses on Financial derivative Unrealized Gains and Losses on Available-for-Sale Securities Unrealized Loss on Securities Transferred to Held-to-Maturity Total Beginning balance $ (1,794 ) $ (49 ) $ 457 $ (733 ) $ (2,119 ) Other comprehensive (loss) income before reclassifications (161 ) (4 ) (255 ) 79 (341 ) Amounts reclassified from AOCI 111 37 (253 ) - (105 ) Ending balance $ (1,844 ) $ (16 ) $ (51 ) $ (654 ) $ (2,565 )

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	12 Months Ended
	Dec. 31, 2016
EARNINGS PER SHARE [Abstract]
Calculations of Basic and Diluted Earnings per Share	The following table sets forth the calculation of basic and diluted earnings per share. Years ended December 31, (In thousands, except per share data) 2016 2015 Basic Earnings Per Common Share Net income available to common shareholders $ 3,256 $ 2,759 Weighted average common shares outstanding 4,105 4,124 Basic earnings per common share $ 0.79 $ 0.67 Diluted Earnings Per Common Share Net income available to common shareholders $ 3,256 $ 2,759 Weighted average common shares outstanding 4,105 4,124 Effect of assumed exercise of stock options 85 67 Diluted weighted average common shares outstanding 4,190 4,191 Diluted earnings per common share $ 0.78 $ 0.66

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	12 Months Ended
	Dec. 31, 2016
INVESTMENT SECURITIES [Abstract]
Amortized Cost and Estimated Fair Value of Investment Securities	The amortized cost and estimated fair value of investment securities are summarized as follows: December 31, 2016 Gross Gross Estimated Amortized Unrealized Unrealized Fair (In thousands) Cost Gains Losses Value Available-for-Sale Portfolio Debt investment securities: US Treasury, agencies and GSEs $ 24,263 $ 1 $ (80 ) $ 24,184 State and political subdivisions 17,185 33 (737 ) 16,481 Corporate 15,560 20 (385 ) 15,195 Asset backed securities 6,696 5 (37 ) 6,664 Residential mortgage-backed - US agency 31,204 - (638 ) 30,566 Collateralized mortgage obligations - US agency 42,124 45 (1,183 ) 40,986 Collateralized mortgage obligations - Private label 6,682 - (105 ) 6,577 Total 143,714 104 (3,165 ) 140,653 Equity investment securities: Mutual funds: Ultra short mortgage fund 643 - (17 ) 626 Common stock - financial services industry 663 13 - 676 Total 1,306 13 (17 ) 1,302 Total available-for-sale $ 145,020 $ 117 $ (3,182 ) $ 141,955 Held-to-Maturity Portfolio Debt investment securities: US Treasury, agencies and GSEs $ 4,928 $ 30 $ (18 ) $ 4,940 State and political subdivisions 30,697 572 (693 ) 30,576 Corporate 8,240 85 (228 ) 8,097 Residential mortgage-backed - US agency 6,386 31 (20 ) 6,397 Collateralized mortgage obligations - US agency 2,927 96 - 3,023 Collateralized mortgage obligations - Private label 1,467 - (71 ) 1,396 Total held-to-maturity $ 54,645 $ 814 $ (1,030 ) $ 54,429 December 31, 2015 Gross Gross Estimated Amortized Unrealized Unrealized Fair (In thousands) Cost Gains Losses Value Available-for-Sale Portfolio Debt investment securities: US Treasury, agencies and GSEs $ 21,380 $ 13 $ (85 ) $ 21,308 State and political subdivisions 8,198 107 (5 ) 8,300 Corporate 18,173 51 (96 ) 18,128 Residential mortgage-backed - US agency 32,740 113 (280 ) 32,573 Collateralized mortgage obligations - US agency 16,880 95 (142 ) 16,833 Total 97,371 379 (608 ) 97,142 Equity investment securities: Mutual funds: Ultra short mortgage fund 643 - (5 ) 638 Large cap equity fund 456 127 - 583 Common stock - financial services industry 554 25 - 579 Total 1,653 152 (5 ) 1,800 Total available-for-sale $ 99,024 $ 531 $ (613 ) $ 98,942 Held-to-Maturity Portfolio Debt investment securities: US Treasury, agencies and GSEs $ 7,860 $ 81 $ (29 ) $ 7,912 State and political subdivisions 21,585 881 - 22,466 Corporate 4,175 53 (3 ) 4,225 Residential mortgage-backed - US agency 7,763 137 (5 ) 7,895 Collateralized mortgage obligations - US agency 2,914 103 - 3,017 Total held-to-maturity $ 44,297 $ 1,255 $ (37 ) $ 45,515
Amortized Cost and Estimated Fair Value of Debt Investments by Contractual Maturity	The amortized cost and estimated fair value of debt investments at December 31, 2016 by contractual maturity are shown below. Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without penalties. Available-for-Sale Held-to-Maturity Amortized Estimated Amortized Estimated Cost Fair Value Cost Fair Value (In thousands) Due in one year or less $ 14,678 $ 14,680 $ 206 $ 205 Due after one year through five years 27,008 26,854 10,173 10,259 Due after five years through ten years 10,732 10,545 17,823 18,139 Due after ten years 11,286 10,445 15,663 15,010 Sub-total 63,704 62,524 43,865 43,613 Residential mortgage-backed - US agency 31,204 30,566 6,386 6,397 Collateralized mortgage obligations - US agency 42,124 40,986 2,927 3,023 Collateralized mortgage obligations - Private label 6,682 6,577 1,467 1,396 Totals $ 143,714 $ 140,653 $ 54,645 $ 54,429
Investment Securities' Gross Unrealized Losses and Fair Value by Investment Category and Length of Time that Individual Securities have Continuous Unrealized Loss Position	The Company's investment securities' gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, is as follows: December 31, 2016 Less than Twelve Months Twelve Months or More Total Number of Number of Number of Individual Unrealized Fair Individual Unrealized Fair Individual Unrealized Fair Securities Losses Value Securities Losses Value Securities Losses Value (Dollars in thousands) Available-for-Sale US Treasury, agencies and GSE's 6 $ (80 ) $ 22,161 - $ - $ - 6 $ (80 ) $ 22,161 State and political subdivisions 53 (737 ) 14,057 - - - 53 (737 ) 14,057 Corporate 10 (385 ) 10,587 - - - 10 (385 ) 10,587 Asset backed securities 3 (37 ) 4,455 - - - 3 (37 ) 4,455 Equity and other investments 1 (17 ) 626 - - - 1 (17 ) 626 Residential mortgage-backed - US agency 23 (638 ) 29,849 - - - 23 (638 ) 29,849 Collateralized mortgage obligations - US agency 28 (1,087 ) 33,376 4 (96 ) 2,514 32 (1,183 ) 35,890 Collateralized mortgage obligations - Private label 5 (105 ) 6,577 - - - 5 (105 ) 6,577 Totals 129 $ (3,086 ) $ 121,688 4 $ (96 ) $ 2,514 133 $ (3,182 ) $ 124,202 Held-to-Maturity US Treasury, agencies and GSE's 1 $ (18 ) $ 982 - $ - $ - 1 $ (18 ) $ 982 State and political subdivisions 16 (693 ) 10,038 - - - 16 (693 ) 10,038 Corporate 5 (228 ) 4,402 - - - 5 (228 ) 4,402 Residential mortgage-backed - US agency 3 (20 ) 1,869 - - - 3 (20 ) 1,869 Collateralized mortgage obligations - US agency - - - - - - - - - Collateralized mortgage obligations - Private label 1 (71 ) 1,396 - - - 1 (71 ) 1,396 Totals 26 $ (1,030 ) $ 18,687 - $ - $ - 26 $ (1,030 ) $ 18,687 December 31, 2015 Less than Twelve Months Twelve Months or More Total Number of Number of Number of Individual Unrealized Fair Individual Unrealized Fair Individual Unrealized Fair Securities Losses Value Securities Losses Value Securities Losses Value (Dollars in thousands) Available-for-Sale US Treasury, agencies and GSE's 9 $ (70 ) $ 13,382 1 $ (15 ) $ 984 10 $ (85 ) $ 14,366 State and political subdivisions 13 (4 ) 1,894 3 (1 ) 339 16 (5 ) 2,233 Corporate 10 (57 ) 8,123 2 (39 ) 2,820 12 (96 ) 10,943 Asset backed securities - - - - - - - - - Equity and other investments 1 (5 ) 638 - - - 1 (5 ) 638 Residential mortgage-backed - US agency 14 (148 ) 20,204 5 (132 ) 4,812 19 (280 ) 25,016 Collateralized mortgage obligations - US agency 6 (80 ) 8,618 3 (62 ) 1,789 9 (142 ) 10,407 Collateralized mortgage obligations - Private label - - - - - - - - - Totals 53 $ (364 ) $ 52,859 14 $ (249 ) $ 10,744 67 $ (613 ) $ 63,603 Held-to-Maturity US Treasury, agencies and GSE's 2 $ (29 ) $ 2,970 - $ - $ - 2 $ (29 ) $ 2,970 State and political subdivisions - - - - - - - - - Corporate 1 (3 ) 225 - - - 1 (3 ) 225 Residential mortgage-backed - US agency 1 (5 ) 795 - - - 1 (5 ) 795 Collateralized mortgage obligations - US agency - - - - - - - - - Collateralized mortgage obligations - Private label - - - - - - - - - Totals 4 $ (37 ) $ 3,990 - $ - $ - 4 $ (37 ) $ 3,990
Gross Realized Gains (Losses) on Sale of Securities	Proceeds of $33.2 million and $25.2 million, respectively on sales and redemptions of securities for the years ended December 31 resulted in gross realized gains (losses) detailed below: (In thousands) 2016 2015 Realized gains on investments $ 526 $ 439 Realized gains on hedging activity 85 - Realized losses on investments (17 ) (17 ) $ 594 $ 422

LOANS (Tables)

LOANS (Tables)	12 Months Ended
	Dec. 31, 2016
LOANS [Abstract]
Major Classification of Loans	Major classifications of loans are as follows: December 31, December 31, (In thousands) 2016 2015 Residential mortgage loans: 1-4 family first-lien residential mortgages $ 199,000 $ 181,792 Construction 8,505 7,924 Total residential mortgage loans 207,505 189,716 Commercial loans: Real estate 150,698 129,506 Lines of credit 23,225 19,035 Other commercial and industrial 67,646 54,899 Tax exempt loans 12,523 9,081 Total commercial loans 254,092 212,521 Consumer loans: Home equity and junior liens 24,722 23,463 Other consumer 6,293 4,886 Total consumer loans 31,015 28,349 Total loans 492,612 430,586 Net deferred loan fees (465 ) (148 ) Less allowance for loan losses (6,247 ) (5,706 ) Loans receivable, net $ 485,900 $ 424,732
Summary of Classes of Loan Portfolio	The following table presents the segments and classes of the loan portfolio summarized by the aggregate pass rating and the criticized and classified ratings of special mention, substandard and doubtful within the Company's internal risk rating system: As of December 31, 2016 Special (In thousands) Pass Mention Substandard Doubtful Total Residential mortgage loans: 1-4 family first-lien residential mortgages $ 194,377 $ 1,445 $ 2,115 $ 1,063 $ 199,000 Construction 8,505 - - - 8,505 Total residential mortgage loans 202,882 1,445 2,115 1,063 207,505 Commercial loans: Real estate 143,126 3,714 3,858 - 150,698 Lines of credit 22,141 684 400 - 23,225 Other commercial and industrial 66,279 661 702 4 67,646 Tax exempt loans 12,523 - - - 12,523 Total commercial loans 244,069 5,059 4,960 4 254,092 Consumer loans: Home equity and junior liens 23,963 170 389 200 24,722 Other consumer 6,224 17 8 44 6,293 Total consumer loans 30,187 187 397 244 31,015 Total loans $ 477,138 $ 6,691 $ 7,472 $ 1,311 $ 492,612 As of December 31, 2015 Special (In thousands) Pass Mention Substandard Doubtful Total Residential mortgage loans: 1-4 family first-lien residential mortgages $ 177,244 $ 1,375 $ 2,425 $ 748 $ 181,792 Construction 7,924 - - - 7,924 Total residential mortgage loans 185,168 1,375 2,425 748 189,716 Commercial loans: Real estate 121,283 4,345 3,878 - 129,506 Lines of credit 17,358 1,469 208 - 19,035 Other commercial and industrial 53,540 848 504 7 54,899 Tax exempt loans 9,081 - - - 9,081 Total commercial loans 201,262 6,662 4,590 7 212,521 Consumer loans: Home equity and junior liens 22,780 182 287 214 23,463 Other consumer 4,840 31 15 - 4,886 Total consumer loans 27,620 213 302 214 28,349 Total loans $ 414,050 $ 8,250 $ 7,317 $ 969 $ 430,586
Age Analysis of Past Due Loans Segregated by Class of loans	An age analysis of past due loans, exclusive of deferred costs, segregated by class of loans were as follows: As of December 31, 2016 30-59 Days 60-89 Days 90 Days Past Due Past Due and Over Total Total Loans (In thousands) And Accruing And Accruing Past Due Current Receivable Residential mortgage loans: 1-4 family first-lien residential mortgages $ 1,247 $ 832 $ 2,560 $ 4,639 $ 194,361 $ 199,000 Construction - - - - 8,505 8,505 Total residential mortgage loans 1,247 832 2,560 4,639 202,866 207,505 Commercial loans: Real estate 1,063 375 1,223 2,661 148,037 150,698 Lines of credit 819 - - 819 22,406 23,225 Other commercial and industrial 333 - 640 973 66,673 67,646 Tax exempt loans - - - - 12,523 12,523 Total commercial loans 2,215 375 1,863 4,453 249,639 254,092 Consumer loans: Home equity and junior liens 105 157 338 600 24,122 24,722 Other consumer 8 13 50 71 6,222 6,293 Total consumer loans 113 170 388 671 30,344 31,015 Total loans $ 3,575 $ 1,377 $ 4,811 $ 9,763 $ 482,849 $ 492,612 As of December 31, 2015 30-59 Days 60-89 Days 90 Days Past Due Past Due and Over Total Total Loans (In thousands) And Accruing And Accruing Past Due Current Receivable Residential mortgage loans: 1-4 family first-lien residential mortgages $ 1,115 $ 808 $ 1,715 $ 3,638 $ 178,154 $ 181,792 Construction - - - - 7,924 7,924 Total residential mortgage loans 1,115 808 1,715 3,638 186,078 189,716 Commercial loans: Real estate 940 135 2,694 3,769 125,737 129,506 Lines of credit 20 - 174 194 18,841 19,035 Other commercial and industrial 159 216 370 745 54,154 54,899 Tax exempt loans - - - - 9,081 9,081 Total commercial loans 1,119 351 3,238 4,708 207,813 212,521 Consumer loans: Home equity and junior liens 132 - 360 492 22,971 23,463 Other consumer 14 15 5 34 4,852 4,886 Total consumer loans 146 15 365 526 27,823 28,349 Total loans $ 2,380 $ 1,174 $ 5,318 $ 8,872 $ 421,714 $ 430,586
Nonaccrual Loans Segregated by Class of Loan	Year-end nonaccrual loans, segregated by class of loan, were as follows: December 31, December 31, (In thousands) 2016 2015 Residential mortgage loans: 1-4 family first-lien residential mortgages $ 2,560 $ 1,715 2,560 1,715 Commercial loans: Real estate 1,223 2,694 Lines of credit - 174 Other commercial and industrial 640 370 1,863 3,238 Consumer loans: Home equity and junior liens 338 360 Other consumer 50 5 388 365 Total nonaccrual loans $ 4,811 $ 5,318
Troubled Debt Restructurings on Financing Receivables	Additional provision for loan losses is the change in the allowance for loan losses between the pre-modification outstanding recorded investment and post-modification outstanding recorded investment. For the year ended December 31, 2016 (In thousands) Number of loans Pre-modification outstanding recorded investment Post-modification outstanding recorded investment Additional provision for loan losses Individually evaluated for impairment: Residential mortgage loans 3 $ 127 $ 135 $ 29 Commercial real estate loans 1 2,088 2,088 - TDRs below these threshold amounts were collectively evaluated for impairment as of December 31, 2015. For the year ended December 31, 2015 (In thousands) Number of loans Pre-modification outstanding recorded investment Post-modification outstanding recorded investment Additional provision for loan losses Individually evaluated for impairment: Commercial real estate loans 1 $ 678 $ 324 $ 354 Collectively evaluated for impairment: Residential mortgage loans 2 $ 69 $ 79 $ -
Summary of Impaired Loans Information by Portfolio Class	The following table summarizes impaired loans information by portfolio class: December 31, 2016 December 31, 2015 Unpaid Unpaid Recorded Principal Related Recorded Principal Related (In thousands) Investment Balance Allowance Investment Balance Allowance With no related allowance recorded: 1-4 family first-lien residential mortgages $ 850 $ 857 $ - $ 473 $ 473 $ - Commercial real estate 4,254 4,344 - 2,580 2,709 - Commercial lines of credit 400 400 - 574 597 - Other commercial and industrial 470 470 - 536 569 - Home equity and junior liens 140 140 - 187 187 - Other consumer - - - 5 6 - With an allowance recorded: 1-4 family first-lien residential mortgages 763 763 117 - - - Commercial real estate 818 872 455 1,850 1,963 760 Commercial lines of credit - - - 5 5 5 Other commercial and industrial 552 552 553 224 230 193 Home equity and junior liens 345 345 5 101 101 2 Total: 1-4 family first-lien residential mortgages 1,613 1,620 117 473 473 - Commercial real estate 5,072 5,216 455 4,430 4,672 760 Commercial lines of credit 400 400 - 579 602 5 Other commercial and industrial 1,022 1,022 553 760 799 193 Home equity and junior liens 485 485 5 288 288 2 Other consumer - - - 5 6 - Totals $ 8,592 $ 8,743 $ 1,130 $ 6,535 $ 6,840 $ 960
Average Recorded Investment in Impaired Loans	The following table presents the average recorded investment in impaired loans for the years ended December 31: (In thousands) 2016 2015 1-4 family first-lien residential mortgages $ 777 $ 671 Commercial real estate 4,325 4,742 Commercial lines of credit 479 520 Other commercial and industrial 724 803 Home equity and junior liens 325 305 Other consumer 2 7 Total $ 6,632 $ 7,048
Cash Basis Interest Income Recognized on Impaired Loans	The following table presents the cash basis interest income recognized on impaired loans for the years ended December 31: (In thousands) 2016 2015 1-4 family first-lien residential mortgages $ 64 $ 17 Commercial real estate 161 92 Commercial lines of credit - - Other commercial and industrial 66 29 Home equity and junior liens 13 - Other consumer - - Total $ 304 $ 138

ALLOWANCE FOR LOAN LOSSES (Tabl

ALLOWANCE FOR LOAN LOSSES (Tables)	12 Months Ended
	Dec. 31, 2016
Allowance for Loan Losses [Abstract]
Changes in the Allowance for Loan Losses	An allocation of a portion of the allowance to a given portfolio class does not limit the Company's ability to absorb losses in another portfolio class. December 31, 2016 1-4 family first-lien Other residential Commercial Commercial commercial (In thousands) mortgage Construction real estate lines of credit and industrial Allowance for loan losses: Beginning Balance $ 581 $ - $ 2,983 $ 401 $ 1,270 Charge-offs (242 ) - - (69 ) - Recoveries 13 - 6 11 14 Provisions (credits) 407 - (54 ) 54 374 Ending balance $ 759 $ - $ 2,935 $ 397 $ 1,658 Ending balance: related to loans individually evaluated for impairment $ 117 $ - $ 455 $ - $ 553 Ending balance: related to loans collectively evaluated for impairment $ 642 $ - $ 2,480 $ 397 $ 1,105 Loans receivables: Ending balance $ 199,000 $ 8,505 $ 150,698 $ 23,225 $ 67,646 Ending balance: individually evaluated for impairment $ 1,613 $ - $ 5,072 $ 400 $ 1,022 Ending balance: collectively evaluated for impairment $ 197,387 $ 8,505 $ 145,626 $ 22,825 $ 66,624 Home equity Other Tax exempt and junior liens consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 3 $ 350 $ 118 $ - $ 5,706 Charge-offs - (147 ) (61 ) - (519 ) Recoveries - 10 53 - 107 Provisions (credits) (2 ) 118 56 - 953 Ending balance $ 1 $ 331 $ 166 $ - $ 6,247 Ending balance: related to loans individually evaluated for impairment $ - $ 5 $ - $ - $ 1,130 Ending balance: related to loans collectively evaluated for impairment $ 1 $ 326 $ 166 $ - $ 5,117 Loans receivables: Ending balance $ 12,523 $ 24,722 $ 6,293 $ 492,612 Ending balance: individually evaluated for impairment $ - $ 485 $ - $ 8,592 Ending balance: collectively evaluated for impairment $ 12,523 $ 24,237 $ 6,293 $ 484,020 December 31, 2015 1-4 family first-lien Other residential Commercial Commercial commercial (In thousands) mortgage Construction real estate lines of credit and industrial Allowance for loan losses: Beginning Balance $ 509 $ - $ 2,801 $ 460 $ 1,034 Charge-offs (234 ) - (308 ) (206 ) (272 ) Recoveries 40 - - 38 10 Provisions 266 - 490 109 498 Ending balance $ 581 $ - $ 2,983 $ 401 $ 1,270 Ending balance: related to loans individually evaluated for impairment $ - $ - $ 760 $ 5 $ 193 Ending balance: related to loans collectively evaluated for impairment $ 581 $ - $ 2,223 $ 396 $ 1,077 Loans receivables: Ending balance $ 181,792 $ 7,924 $ 129,506 $ 19,035 $ 54,899 Ending balance: individually evaluated for impairment $ 473 $ - $ 4,430 $ 579 $ 760 Ending balance: collectively evaluated for impairment $ 181,319 $ 7,924 $ 125,076 $ 18,456 $ 54,139 Home equity Other Tax exempt and junior liens consumer Unallocated Total Allowance for loan losses: Beginning Balance $ 3 $ 388 $ 98 $ 56 $ 5,349 Charge-offs - (26 ) (103 ) - (1,149 ) Recoveries - 10 59 - 157 Provisions (credits) - (22 ) 64 (56 ) 1,349 Ending balance $ 3 $ 350 $ 118 $ - $ 5,706 Ending balance: related to loans individually evaluated for impairment $ - $ 2 $ - $ - $ 960 Ending balance: related to loans collectively evaluated for impairment $ 3 $ 348 $ 118 $ - $ 4,746 Loans receivables: Ending balance $ 9,081 $ 23,463 $ 4,886 $ 430,586 Ending balance: individually evaluated for impairment $ - $ 288 $ 5 $ 6,535 Ending balance: collectively evaluated for impairment $ 9,081 $ 23,175 $ 4,881 $ 424,051
Schedule of Allowance for Loan Losses on Basis of Calculation Methodology	The allocation of the allowance for loan losses summarized on the basis of the Company's calculation methodology was as follows: December 31, 2016 1-4 family first-lien Other residential Commercial Commercial commercial (In thousands) mortgage Construction real estate lines of credit and industrial Specifically reserved $ 117 $ - $ 455 $ - $ 553 Historical loss rate 106 - 45 31 50 Qualitative factors 536 - 2,435 366 1,055 Total $ 759 $ - $ 2,935 $ 397 $ 1,658 Home equity Other (In thousands) Tax exempt and junior liens consumer Unallocated Total Specifically reserved $ - $ 5 $ - $ - $ 1,130 Historical loss rate - 35 16 - 283 Qualitative factors 1 291 150 - 4,834 Total $ 1 $ 331 $ 166 $ - $ 6,247 December 31, 2015 1-4 family first-lien Other residential Commercial Commercial commercial (In thousands) mortgage Construction real estate lines of credit and industrial Specifically reserved $ - $ - $ 760 $ 5 $ 193 Historical loss rate 70 - 97 49 54 Qualitative factors 511 - 2,126 347 1,023 Total $ 581 $ - $ 2,983 $ 401 $ 1,270 Home equity Other (In thousands) Tax exempt and junior liens consumer Unallocated Total Specifically reserved $ - $ 2 $ - $ - $ 960 Historical loss rate - 26 25 - 321 Qualitative factors 3 322 93 - 4,425 Total $ 3 $ 350 $ 118 $ - $ 5,706

SERVICING (Tables)

SERVICING (Tables)	12 Months Ended
	Dec. 31, 2016
SERVICING [Abstract]
Mortgage Servicing Rights Capitalized and Amortized	The following summarizes mortgage servicing rights capitalized and amortized: (In thousands) 2016 2015 Mortgage servicing rights capitalized $ - $ - Mortgage servicing rights amortized $ 12 $ 14

PREMISES AND EQUIPMENT (Tables)

PREMISES AND EQUIPMENT (Tables)	12 Months Ended
	Dec. 31, 2016
PREMISES AND EQUIPMENT [Abstract]
Premises and Equipment	A summary of premises and equipment at December 31, is as follows: (In thousands) 2016 2015 Land $ 2,205 $ 2,176 Buildings 13,704 12,111 Furniture, fixtures and equipment 12,948 11,194 Construction in progress 455 2,502 29,312 27,983 Less: Accumulated depreciation 14,135 13,149 $ 15,177 $ 14,834

FORECLOSED REAL ESTATE (Tables)

FORECLOSED REAL ESTATE (Tables)	12 Months Ended
	Dec. 31, 2016
FORECLOSED REAL ESTATE [Abstract]
Carrying Amount of Foreclosed Residential Real Estate Properties Held	The Company is required to disclose the carrying amount of foreclosed residential real estate properties held as a result of obtaining physical possession of the property at each reporting period. December 31, December 31, (Dollars in thousands) Number of properties 2016 Number of properties 2015 Foreclosed residential real estate 7 $ 393 2 $ 182

GOODWILL AND INTANGIBLE ASSETS

GOODWILL AND INTANGIBLE ASSETS (Tables)	12 Months Ended
	Dec. 31, 2016
GOODWILL AND INTANGIBLE ASSETS [Abstract]
Gross Carrying Amount and Accumulated Amortization for Identifiable Intangible Asset	The gross carrying amount and annual amortization for this identifiable intangible asset are as follows: December 31, (In thousands) 2016 2015 Gross carrying amount $ 214 $ 175 Addition due to Huntington Agency purchase - 55 Amortization recognized in the year (16 ) (16 ) Net amortizing intangibles $ 198 $ 214
Estimated Amortization Expense for Each of the Five Succeeding Years	The estimated amortization expense for each of the five succeeding years ended December 31, is as follows: (In thousands) 2017 $ 16 2018 16 2019 16 2020 16 2021 16 Thereafter 118 $ 198

DEPOSITS (Tables)

DEPOSITS (Tables)	12 Months Ended
	Dec. 31, 2016
DEPOSITS [Abstract]
Summary of Deposits	A summary of deposits at December 31 is as follows: (In thousands) 2016 2015 Savings accounts $ 80,139 $ 73,540 Time accounts 132,007 111,250 Time accounts of $250,000 or more 57,349 35,213 Money management accounts 14,718 14,081 MMDA accounts 192,692 146,862 Demand deposit interest-bearing 53,587 42,758 Demand deposit noninterest-bearing 75,282 61,679 Mortgage escrow funds 5,209 4,932 Total Deposits $ 610,983 $ 490,315
Scheduled Maturities of Time Deposits	At December 31, 2016, the scheduled maturities of time deposits are as follows: (In thousands) Year of Maturity: 2017 $ 119,945 2018 38,693 2019 8,774 2020 14,313 2021 4,770 Thereafter 2,861 Total $ 189,356
Summary of Deposits by Type	In addition to deposits obtained from its business operations within its target market areas, the Bank also obtains brokered deposits through various programs administered by Promontory Interfinancial Network. At December 31, 2016 2015 (In thousands) Non-Brokered Brokered Total Non-Brokered Brokered Total Savings accounts $ 80,139 $ - $ 80,139 $ 73,540 $ - $ 73,540 Time accounts 89,200 42,807 132,007 78,234 33,016 111,250 Time accounts of $250,000 or more 57,349 - 57,349 35,213 - 35,213 Money management accounts 14,718 - 14,718 14,081 - 14,081 MMDA accounts 105,755 86,937 192,692 99,187 47,675 146,862 Demand deposit interest-bearing 53,587 - 53,587 42,758 - 42,758 Demand deposit noninterest-bearing 75,282 - 75,282 61,679 - 61,679 Mortgage escrow funds 5,209 - 5,209 4,932 - 4,932 Total Deposits $ 481,239 $ 129,744 $ 610,983 $ 409,624 $ 80,691 $ 490,315

BORROWED FUNDS (Tables)

BORROWED FUNDS (Tables)	12 Months Ended
	Dec. 31, 2016
BORROWED FUNDS [Abstract]
Composition of Borrowings	The composition of borrowings (excluding subordinated loans) at December 31 is as follows: (In thousands) 2016 2015 Short-term: FHLB Advances $ 42,000 $ 24,800 Deferred fees hedging (53 ) - Total short-term borrowings $ 41,947 $ 24,800 Long-term: FHLB advances $ 17,000 $ 16,500 Total long-term borrowings $ 17,000 $ 16,500
Scheduled Maturities of Debt	The principal balances, interest rates and maturities of the remaining borrowings, all of which are at a fixed rate, at December 31, 2016 are as follows: Term Principal Rates (Dollars in thousands) Advances with FHLB due within 1 year $ 7,000 0.78-2.56 % due within 2 years 2,000 1.04 % due within 10 years 8,000 1.16-2.55 % Total advances with FHLB $ 17,000 Total long-term fixed rate borrowings $ 17,000 At December 31, 2016, scheduled repayments of long-term debt are as follows: (In thousands) 2017 $ 7,000 2018 2,000 2019 5,000 2020 1,000 2021 - Thereafter 2,000 $ 17,000

SUBORDINATED LOANS (Tables)

SUBORDINATED LOANS (Tables)	12 Months Ended
	Dec. 31, 2016
SUBORDINATED LOANS [Abstract]
Composition of Subordinated Loans	The composition of subordinated loans at December 31 is as follows: (In thousands) 2016 2015 Subordinated loans: Junior subordinated debenture $ 5,155 $ 5,155 Subordinated loan 9,870 9,836 Total subordinated loans $ 15,025 $ 14,991
Schedule of Principal Balances, Interest Rates and Maturities of the Subordinated Loans	The principal balances, interest rates and maturities of the subordinated loans at December 31, 2016 are as follows: Term Principal Rates (Dollars in thousands) Subordinated loans: due within 10 years $ 9,870 6.48 % due within 21 years 5,155 3-Month Libor + 1.65% Total subordinated loans $ 15,025
Scheduled Repayments of the Subordinated Loans	At December 31, 2016, scheduled repayments of the subordinated loans: (In thousands) 2017 $ - 2018 - 2019 - 2020 - 2021 - Thereafter 15,025 $ 15,025

EMPLOYEE BENEFITS AND DEFERRE48

EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS (Tables)	12 Months Ended
	Dec. 31, 2016
EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS [Abstract]
Changes in Plan Benefit Obligations, Fair Value of Plan Assets and Plans' Funded Status	The following tables set forth the changes in the plans' benefit obligations, fair value of plan assets and the plans' funded status as of December 31: Pension Benefits Postretirement Benefits (In thousands) 2016 2015 2016 2015 Change in benefit obligations: Benefit obligations at beginning of year $ 9,319 $ 9,679 $ 159 $ 356 Service cost - - - - Interest cost 464 468 8 17 Actuarial gain (231 ) (586 ) - (201 ) Benefits paid (229 ) (242 ) (13 ) (13 ) Benefit obligations at end of year 9,323 9,319 154 159 Change in plan assets: Fair value of plan assets at beginning of year 12,808 13,125 - - Actual return on plan assets 1,055 (75 ) - - Benefits paid (229 ) (242 ) (13 ) (13 ) Employer contributions - - 13 13 Fair value of plan assets at end of year 13,634 12,808 - - Funded Status - asset (liability) $ 4,311 $ 3,489 $ (154 ) $ (159 )
Amounts Recognized in Other Comprehensive Loss	Amounts recognized in accumulated other comprehensive loss as of December 31 are as follows: Pension Benefits Postretirement Benefits (In thousands) 2016 2015 2016 2015 Net loss/(gain) $ 2,685 $ 3,245 $ (165 ) $ (172 ) Tax Effect 1,074 1,298 (66 ) (69 ) $ 1,611 $ 1,947 $ (99 ) $ (103 )
Significant Assumptions Used in Determining Benefit Obligations and Net Periodic Benefit Plan Cost	The significant assumptions used in determining the benefit obligations as of December 31, are as follows: Pension Benefits Postretirement Benefits 2016 2015 2016 2015 Weighted average discount rate 5.15 % 5.05 % 5.32 % 5.23 % Rate of increase in future compensation levels - - - - The significant assumptions used in determining the net periodic benefit plan cost for years ended December 31, were as follows: Pension Benefits Postretirement Benefits 2016 2015 2016 2015 Weighted average discount rate 5.05 % 4.90 % 5.23 % 4.98 % Expected long term rate of return on plan assets 7.50 % 7.50 % - - Rate of increase in future compensation levels - - - -
Composition of Net Periodic Benefit Plan Cost	The composition of the net periodic benefit plan cost for the years ended December 31 is as follows: Pension Benefits Postretirement Benefits (In thousands) 2016 2015 2016 2015 Service cost $ - $ - $ - $ - Interest cost 464 468 8 17 Expected return on plan assets (951 ) (975 ) - - Amortization of transition obligation - - - - Amortization of net losses/(gains) 226 180 (3 ) 5 Amortization of unrecognized past service liability - - (5 ) (5 ) Net periodic benefit plan (benefit) cost $ (261 ) $ (327 ) $ - $ 17
Pension Plan Assets Measured at Fair Value	Pension plan assets measured at fair value are summarized below: At December 31, 2016 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Asset Category: Mutual funds - equity Large-cap value (a) $ - $ 958 $ - $ 958 Large-cap Growth (b) - 860 - 860 Large-cap Core (c) - 609 - 609 Mid-cap Value (d) - 204 - 204 Mid-cap Growth (e) - 186 - 186 Mid-cap Core (f) - 209 - 209 Small-cap Value (g) - 167 - 167 Small-cap Growth (h) - 140 - 140 Small-cap Core (i) - 312 - 312 International Equity (j) - 1,131 - 1,131 Equity -Total - 4,776 - 4,776 Fixed Income Funds Fixed Income-US Core (k) - 1,695 - 1,695 Intermediate Duration (l) - 2,932 - 2,932 Long Duration (m) - 2,474 - 2,474 Fixed Income-Total - 7,101 - 7,101 Long/Short Equity(n) - 1,165 - 1,165 Company Common Stock - - - - Cash Equivalents-Money market* 70 522 - 592 Total $ 70 $ 13,564 $ - $ 13,634 At December 31, 2015 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Asset Category: Mutual funds - equity Large-cap value (a) $ - $ 696 $ - $ 696 Large-cap Growth (b) - 783 - 783 Large-cap Core (c) - 510 - 510 Mid-cap Value (d) - 166 - 166 Mid-cap Growth (e) - 163 - 163 Mid-cap Core (f) - 162 - 162 Small-cap Value (g) - 119 - 119 Small-cap Growth (h) - 117 - 117 Small-cap Core (i) - 238 - 238 International Equity (j) - 996 - 996 Equity -Total - 3,950 - 3,950 Fixed Income Funds Fixed Income-US Core (k) - 1,578 - 1,578 Intermediate Duration (l) - 2,865 - 2,865 Long Duration (m) - 2,347 - 2,347 Fixed Income-Total - 6,790 - 6,790 Long/Short Equity(n) - 1,793 - 1,793 Company Common Stock - - - - Cash Equivalents-Money market* 72 203 - 275 Total $ 72 $ 12,736 $ - $ 12,808 *Includes cash equivalents investments in equity and fixed income strategies (a) This category contains large-cap stocks with above-average yield. The portfolio typically holds between 60 and 70 stocks. (b) This category seeks long-term capital appreciation by investing primarily in large growth companies based in the U.S. (c) This fund tracks the performance of the S&P 500 index by purchasing the securities represented in the index in approximately the same weightings as the index. (d) This category employs an indexing investment approach designed to track the performance of the CRSP US Mid-Cap Value Index. (e) This category employs an indexing investment approach designed to track the performance of the CRSP US Mid-Cap Growth Index. (f) This category seeks to track the performance of the S&P Midcap 400 Index. (g) This category consists of a selection of investments based on the Russell 2000 Value Index. (h) This category consists of a selection of investments based on the Russell 2000 Growth Index. (i) This category consists of an index fund designed to track the Russell 2000, along with a fund investing in readily marketable securities of U.S. companies with market capitalizations within the smallest 10% of the market universe, or smaller than the 1000th largest US company. (j) This category has investments in medium to large non-US companies, including high quality, durable growth companies and companies based in countries with stable economic and political systems. A portion of this category consists of an index fund designed to track the MSC ACWI ex-US Net Dividend Return Index. (k) This category currently includes equal investments in three mutual funds, two of which usually hold at least 80% of fund assets in investment grade fixed income securities, seeking to outperform the Barclays US Aggregate Bond Index while maintaining a similar duration to that index. The third fund targets investments of 50% or more in mortgage-backed securities guaranteed by the US government and its agencies. (l) This category consists mostly of a fund which seeks to track the Barclays Capital US Corporate A or Better 5-20 Year, Bullets only Index, along with a diversified mutual fund holding fixed income securities rated A or better. (m) This category consists of a fund that seeks to approximate the performance of the Barclays Capital US Corporate A or Better, 20+ Year Bullets Only Index over the long term. (n) This category currently invests in three long/short equity hedge funds.
Expected Future Service Benefit Payments	The following benefit payments, which reflect expected future service, as appropriate, are expected to be paid from both retirement plans: Pension Postretirement (In thousands) Benefits Benefits Total Years ending December 31: 2017 $ 266 $ 13 $ 279 2018 282 13 295 2019 292 13 305 2020 312 13 325 2021 329 12 341 Years 2022-2026 2,175 60 2,235

STOCK BASED COMPENSATION PLANS

STOCK BASED COMPENSATION PLANS (Tables)	12 Months Ended
	Dec. 31, 2016
STOCK BASED COMPENSATION PLANS [Abstract]
Activity in the stock option plans	Activity in the stock option plans is as follows: Weighted Options Average Shares (Shares in thousands) Outstanding Exercise Price Exercisable Outstanding at December 31, 2014 170 $ 5.75 95 Granted 17 $ 11.09 - Newly vested - 5.75 35 Exercised (2 ) - (2 ) Expired - - - Outstanding at December 31, 2015 185 $ 5.75 128 Granted 264 $ 11.25 - Newly vested - 6.21 37 Exercised (26 ) - (26 ) Expired - - - Outstanding at December 31, 2016 423 $ 6.21 139

INCOME TAXES (Tables)

INCOME TAXES (Tables)	12 Months Ended
	Dec. 31, 2016
INCOME TAXES [Abstract]
Provision for Income Taxes	The provision for income taxes for the years ended December 31, is as follows: (In thousands) 2016 2015 Current $ 1,360 $ 955 Deferred (249 ) 116 $ 1,111 $ 1,071 The provision for income taxes includes the following: (In thousands) 2016 2015 Federal Income Tax $ 980 $ 929 State Tax 131 142 $ 1,111 $ 1,071
Component of the Net Deferred Tax (Liability) Asset	The components of the net deferred tax liability, included in other liabilities as of December 31, are as follows: (In thousands) 2016 2015 Assets: Deferred compensation $ 912 $ 858 Allowance for loan losses 2,392 2,185 Postretirement benefits 56 61 Subordinated loan interest 37 - Investment securities and financial derivative 1,229 - Impairment losses on investment securities 88 155 Loan origination fees 184 66 Capital loss carryforward 62 120 Held-to-maturity securities 310 417 Other 166 121 Total 5,436 3,983 Liabilities: Prepaid pension (1,605 ) (1,336 ) Depreciation (1,083 ) (1,011 ) Accretion (211 ) (145 ) Loan origination fees - - Intangible assets (1,470 ) (1,470 ) Investment securities and financial derivative - (21 ) Mortgage servicing rights (15 ) (20 ) Prepaid expenses and transaction fees (204 ) (97 ) Total (4,588 ) (4,100 ) 848 (117 ) Less: deferred tax asset valuation allowance (150 ) (265 ) Net deferred tax asset $ 698 $ (382 )
Reconciliation of the Federal Statutory Income Tax Rate to the Effective Income Tax Rate	A reconciliation of the federal statutory income tax rate to the effective income tax rate for the years ended December 31, is as follows: 2016 2015 Federal statutory income tax rate 34.0 % 34.0 % State tax, net of federal benefit 1.9 2.3 Tax-exempt interest income (8.6 ) (8.1 ) Increase in value of bank owned life insurance less premiums paid (2.0 ) (3.0 ) Change in valuation allowance (2.6 ) (4.8 ) Other 2.5 6.4 Effective income tax rate 25.2 % 26.8 %

COMMITMENTS AND CONTINGENCIES (

COMMITMENTS AND CONTINGENCIES (Tables)	12 Months Ended
	Dec. 31, 2016
COMMITMENTS AND CONTINGENCIES [Abstract]
Summary of the Contractual Amounts of Financial Instruments with Credit Risk	At December 31, 2016 and 2015, the following financial instruments were outstanding whose contract amounts represent credit risk: Contract Amount (In thousands) 2016 2015 Commitments to grant loans $ 46,649 $ 20,168 Unfunded commitments under lines of credit 48,653 34,469 Unfunded commitments related to construction loans in progress 5,918 5,726 Standby letters of credit 1,900 1,884
Minimum Rental Commitments for Non-cancelable Operating Leases	Approximate minimum rental commitments for non-cancelable operating leases are as follows: Years Ending December 31: (In thousands) 2017 147 2018 105 2019 62 2020 56 2021 31 Thereafter 293 Total minimum lease payments $ 694

REGULATORY MATTERS (Tables)

REGULATORY MATTERS (Tables)	12 Months Ended
	Dec. 31, 2016
REGULATORY MATTERS [Abstract]
Actual Capital Amounts and Ratios	The Bank's actual capital amounts and ratios as of December 31, 2016 and 2015 are presented in the following table. Actual Minimum For Capital Adequacy Purposes Minimum To Be "Well-Capitalized" Under Prompt Corrective Provisions Well-Capitalized With Buffer, Fully Phased In For 2019 (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio Amount Ratio As of December 31, 2016 Total core capital (to risk-weighted assets) $ 72,098 14.79 % $ 38,996 8.00 % $ 48,745 10.00 % $ 51,182 10.50 % Tier 1 capital (to risk-weighted assets) $ 66,003 13.54 % $ 29,247 6.00 % $ 38,996 8.00 % $ 41,433 8.50 % Tier 1 common equity (to risk-weighted assets) $ 66,003 13.54 % $ 21,935 4.50 % $ 31,684 6.50 % $ 34,121 7.00 % Tier 1 capital (to adjusted assets) $ 66,003 9.06 % $ 29,154 4.00 % $ 36,443 5.00 % $ 36,443 5.00 % As of December 31, 2015: Total core capital (to risk-weighted assets) $ 67,286 16.22 % $ 33,187 8.00 % $ 41,484 10.00 % Tier 1 capital (to risk-weighted assets) $ 62,038 14.95 % $ 24,891 6.00 % $ 33,187 8.00 % Tier 1 common equity (to risk-weighted assets) $ 62,038 14.95 % $ 18,668 4.50 % $ 26,965 6.50 % Tier 1 capital (to adjusted assets) $ 62,038 10.00 % $ 24,816 4.00 % $ 31,020 5.00 %

INTEREST RATE DERIVATIVE (Table

INTEREST RATE DERIVATIVE (Tables)	12 Months Ended
	Dec. 31, 2016
INTEREST RATE DERIVATIVE [Abstract]
Fair Value Outstanding Derivatives	The following table summarizes the fair value of outstanding derivatives and their presentation on the statements of condition as of December 31: (In thousands) 2016 2015 Cash flow hedge: Other liabilities $ - $ 27
Change in Accumulated Other Comprehensive Loss on Pretax Basis and Impact on Earnings from Interest Rate Swap	The change in accumulated other comprehensive loss, on a pretax basis, and the impact on earnings from the interest rate swap that qualifies as a cash flow hedge for the year ended December 31 were as follows: (In thousands) 2016 2015 Balance as of December 31: $ (27 ) $ (82 ) Amount of gains/losses recognized in other comprehensive income 2 (6 ) Amount of loss reclassified from other comprehensive income and recognized as interest expense 25 61 Balance as of December 31: $ - $ (27 )

FAIR VALUE MEASUREMENTS AND D54

FAIR VALUE MEASUREMENTS AND DISCLOSURES (Tables)	12 Months Ended
	Dec. 31, 2016
FAIR VALUE MEASUREMENTS AND DISCLOSURES [Abstract]
Fair Value of Assets on Recurring Basis Segregated by Level of Valuation Inputs	The following tables summarize assets measured at fair value on a recurring basis as of December 31, segregated by the level of valuation inputs within the hierarchy utilized to measure fair value: 2016 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Available-for-sale portfolio Debt investment securities: US Treasury, agencies and GSEs $ - $ 24,184 $ - $ 24,184 State and political subdivisions - 16,481 - 16,481 Corporate - 15,195 - 15,195 Asset backed securities - 6,664 - 6,664 Residential mortgage-backed - US agency - 30,566 - 30,566 Collateralized mortgage obligations - US agency - 40,986 - 40,986 Collateralized mortgage obligations - Private label - 6,577 - 6,577 Equity investment securities: Mutual funds: Ultra short mortgage fund 626 - - 626 Large cap equity fund - - - - Common stock - Financial services industry - 220 456 676 Total available-for-sale securities $ 626 $ 140,873 $ 456 $ 141,955 Interest rate swap derivative $ - $ - $ - $ - 2015 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Available-for-sale portfolio Debt investment securities: US Treasury, agencies and GSEs $ - $ 21,308 $ - $ 21,308 State and political subdivisions - 8,300 - 8,300 Corporate - 18,128 - 18,128 Residential mortgage-backed - US agency - 32,573 - 32,573 Collateralized mortgage obligations - US agency - 16,833 - 16,833 Collateralized mortgage obligations - Private label - - - - Equity investment securities: Mutual funds: Ultra short mortgage fund 638 - - 638 Large cap equity fund 583 - - 583 Common stock - Financial services industry 46 220 313 579 Total available-for-sale securities $ 1,267 $ 97,362 $ 313 $ 98,942 Interest rate swap derivative $ - $ (27 ) $ - $ (27 )
Changes in Level 3 Assets and Liabilities Measured at Estimated Fair Value on a Recurring Basis	The changes in Level 3 assets and liabilities measured at estimated fair value on a recurring basis as of December 31 were as follows: (In thousands) Common Stock - Financial Services Industry Balance - December 31, 2015 $ 313 Total gains realized/unrealized: Included in earnings - Included in other comprehensive income 13 Settlements 130 Sales - Balance - December 31, 2016 $ 456 Changes in unrealized gains included in earnings related to assets still held at December 31, 2016 $ -
Summary of Assets Measured at Fair Value on a Nonrecurring Basis Segregated by Level of Valuation Inputs	The following table summarizes the valuation techniques and significant unobservable inputs used for the Company's investments that are categorized within Level 3 of the fair value hierarchy at the indicated dates: (In thousands) At December 31, 2016 Investment Type Fair Value Valuation Techniques Unobservable Input Weight Common Stock - Financial Services Industry $ 456 Inputs to comparables Weight ascribed to comparable companies 100 % (In thousands) At December 31, 2015 Investment Type Fair Value Valuation Techniques Unobservable Input Weight Common Stock - Financial Services Industry $ 313 Inputs to comparables Weight ascribed to comparable companies 100 % The following tables summarize assets measured at fair value on a nonrecurring basis as of December 31, segregated by the level of valuation inputs within the hierarchy utilized to measure fair value: 2016 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans $ - $ - $ 4,049 $ 4,049 Foreclosed real estate $ - $ - $ 393 $ 393 2015 Total Fair (In thousands) Level 1 Level 2 Level 3 Value Impaired loans $ - $ - $ 1,070 $ 1,070 Foreclosed real estate $ - $ - $ 360 $ 360
Fair Value Inputs, Quantitative Information	The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis and for which Level 3 inputs were used to determine fair value. Quantitative Information about Level 3 Fair Value Measurements Valuation Unobservable Range Techniques Input (Weighted Avg.) At December 31, 2016 Impaired loans Appraisal of collateral Appraisal Adjustments 5% - 10% (5%) (Sales Approach) Costs to Sell 8% - 13% (10%) Discounted Cash Flow Foreclosed real estate Appraisal of collateral Appraisal Adjustments 15% - 15% (15%) (Sales Approach) Costs to Sell 6% - 8% (7%) Quantitative Information about Level 3 Fair Value Measurements Valuation Unobservable Range Techniques Input (Weighted Avg.) At December 31, 2015 Impaired loans Appraisal of collateral Appraisal Adjustments 5% - 10% (8%) (Sales Approach) Costs to Sell 8% - 15% (14%) Discounted Cash Flow Foreclosed real estate Appraisal of collateral Appraisal Adjustments 15% - 15% (15%) (Sales Approach) Costs to Sell 6% - 8% (7%)
Carrying Amounts and Fair Value of Financial Instruments	The carrying amounts and fair values of the Company's financial instruments as of December 31 are presented in the following table: 2016 2015 Fair Value Carrying Estimated Carrying Estimated (In thousands) Hierarchy Amounts Fair Values Amounts Fair Values Financial assets: Cash and cash equivalents 1 $ 22,419 $ 22,419 $ 15,245 $ 15,245 Investment securities - available-for-sale 1 626 626 1,267 1,267 Investment securities - available-for-sale 2 140,873 140,873 97,362 97,362 Investment securities - available-for-sale 3 456 456 313 313 Investment securities - held-to-maturity 2 54,645 54,429 44,297 45,515 Federal Home Loan Bank stock 2 3,250 3,250 2,424 2,424 Net loans 3 485,900 484,704 424,732 428,410 Accrued interest receivable 1 2,532 2,532 2,053 2,053 Financial liabilities: Demand Deposits, Savings, NOW and MMDA 1 $ 421,627 $ 421,627 $ 343,853 $ 343,853 Time Deposits 2 189,356 189,197 146,462 146,158 Borrowings 2 58,947 58,918 41,300 41,282 Subordinated loans 2 15,025 14,310 14,991 14,027 Accrued interest payable 1 75 75 199 199 Interest rate swap derivative 2 - - 27 27

PARENT COMPANY - FINANCIAL IN55

PARENT COMPANY - FINANCIAL INFORMATION (Tables)	12 Months Ended
	Dec. 31, 2016
PARENT COMPANY - FINANCIAL INFORMATION [Abstract]
Condensed Financial Information of Parent Company	The following represents the condensed financial information of Pathfinder Bancorp, Inc. as of and for the years ended December 31: Statements of Condition 2016 2015 (In thousands) Assets Cash $ 5,424 $ 21,418 Investments 455 358 Investment in bank subsidiary 67,281 64,519 Investment in non-bank subsidiary 155 155 Other assets 475 185 Total assets $ 73,790 $ 86,635 Liabilities and Shareholders' Equity Accrued liabilities $ 404 $ 415 Subordinated loans 15,025 14,991 Shareholders' equity 58,361 71,229 Total liabilities and shareholders' equity $ 73,790 $ 86,635 Statements of Income 2016 2015 (In thousands) Income Dividends from non-bank subsidiary $ 4 $ 4 Realized gains on available-for sale investment securities 108 - Total income 112 4 Expenses Interest 880 300 Operating, net 230 248 Total expenses 1,110 548 Loss before taxes and equity in undistributed net income of subsidiaries (998 ) (544 ) Tax benefit 254 162 Loss before equity in undistributed net income of subsidiaries (744 ) (382 ) Equity in undistributed net income of subsidiaries 4,016 3,271 Net income $ 3,272 $ 2,889 Statements of Cash Flows 2016 2015 (In thousands) Operating Activities Net Income $ 3,272 $ 2,889 Equity in undistributed net income of subsidiaries (4,016 ) (3,271 ) Realized gains on available-for-sale investment securities (23 ) - Stock based compensation and ESOP expense 557 354 Amortization of deferred financing from subordinated loan 34 - Net change in other assets and liabilities (152 ) 95 Net cash flows from operating activities (328 ) 67 Investing Activities Purchase investments (130 ) (312 ) Net gain on hedging transaction (85 ) - Proceeds from sale of investment 43 - Net cash flows from investing activities (172 ) (312 ) Financing activities Redemption of preferred stock - SBLF (13,000 ) - Proceeds from exercise of stock options 143 9 Proceeds from subordinated loan - 9,836 Purchase of common stock (1,755 ) - Cash dividends paid to preferred shareholders (16 ) (130 ) Cash dividends paid to common shareholders (866 ) (609 ) Net cash flows from financing activities (15,494 ) 9,106 Change in cash and cash equivalents (15,994 ) 8,861 Cash and cash equivalents at beginning of year 21,418 12,557 Cash and cash equivalents at end of year $ 5,424 $ 21,418

RELATED PARTY TRANSACTIONS (Tab

RELATED PARTY TRANSACTIONS (Tables)	12 Months Ended
	Dec. 31, 2016
RELATED PARTY TRANSACTIONS [Abstract]
Loans to Related Parties	The following represents the activity associated with loans to related parties during the year ended December 31, 2016: (In thousands) Balance at the beginning of the year $ 10,324 Originations and Officer additions 2,122 Principal payments (1,562 ) Balance at the end of the year $ 10,884

ACCUMULATED OTHER COMPREHENSI57

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Tables)	12 Months Ended
	Dec. 31, 2016
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) [Abstract]
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax	Changes in the components of accumulated other comprehensive income (loss) ("AOCI"), net of tax, for the periods indicated are summarized in the table below. For the years ended December 31, 2016 (In thousands) Retirement Plans Unrealized Gains and Losses on Financial derivative Unrealized Gains and Losses on Available-for-Sale Securities Unrealized Loss on Securities Transferred to Held-to-Maturity Total Beginning balance $ (1,844 ) $ (16 ) $ (51 ) $ (654 ) $ (2,565 ) Other comprehensive income before reclassifications 198 1 (1,436 ) 190 (1,045 ) Amounts reclassified from AOCI 133 15 (358 ) - (212 ) Ending balance $ (1,513 ) $ - $ (1,845 ) $ (464 ) $ (3,822 ) For the years ended December 31, 2015 (In thousands) Retirement Plans Unrealized Gains and Losses on Financial derivative Unrealized Gains and Losses on Available-for-Sale Securities Unrealized Loss on Securities Transferred to Held-to-Maturity Total Beginning balance $ (1,794 ) $ (49 ) $ 457 $ (733 ) $ (2,119 ) Other comprehensive (loss) income before reclassifications (161 ) (4 ) (255 ) 79 (341 ) Amounts reclassified from AOCI 111 37 (253 ) - (105 ) Ending balance $ (1,844 ) $ (16 ) $ (51 ) $ (654 ) $ (2,565 )
Schedule of Amounts Reclassified Out of Each Component of AOCI	The following table presents the amounts reclassified out of each component of AOCI for the indicated annual period: (In thousands) For the years ended Details about AOCI 1 December 31, 2016 December 31, 2015 Affected Line Item in the Statement of Income Unrealized holding gain on financial derivative: Reclassification adjustment for interest expense included in net income $ (25 ) $ (61 ) Interest on long term borrowings 10 24 Provision for income taxes $ (15 ) $ (37 ) Net Income Retirement plan items Retirement plan net losses recognized in plan expenses 2 $ (222 ) $ (185 ) Salaries and employee benefits 89 74 Provision for income taxes $ (133 ) $ (111 ) Net Income Available-for-sale securities Realized gain on sale of securities $ 594 $ 422 Net gains on sales and redemptions of investment securities (236 ) (169 ) Provision for income taxes 358 253 Net Income 1 2 See Note 14 for additional information.

SUMMARY OF SIGNIFICANT ACCOUN58

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details)	Oct. 16, 2014USD ($)$ / sharesshares	Dec. 31, 2016USD ($)SubsidiaryOffice$ / sharesshares	Dec. 31, 2016USD ($)SubsidiaryOffice$ / sharesshares	Dec. 31, 2015USD ($)shares	Dec. 31, 2014shares
Nature of Operations [Abstract]
Ratio of conversion of shares	1.6472
Common stock, share outstanding (in shares) | shares		4,236,744	4,236,744	4,353,850	4,353,850
Number of wholly-owned subsidiaries | Subsidiary		3	3
Membership interest own in Fitzgibbons through subsidiary		51.00%	51.00%
Consolidation of membership interest in Fitzgibbons		100.00%	100.00%
Noncontrolling interest by subsidiary		49.00%	49.00%
Number of offices located In Oswego County | Office		7	7
Number of offices located in Onondaga County | Office		2	2
Significant Group Concentrations of Credit Risk [Abstract]
Minimum commercial real estate loans amount required for additional review		$ 400,000	$ 400,000
Cash and Cash Equivalents [Abstract]
Maturity period for classification as cash and cash equivalents, maximum			3 months
Allowance for Loan Losses [Abstract]
Maximum percentage for estimating specific and general losses		10.00%	10.00%
Minimum amount, of residential mortgage loans threshold for evaluations of impairment		$ 300,000	$ 300,000
Income Recognition on Impaired and Non-accrual Loans [Abstract]
Number of consecutive months of current payments before non-accrual troubled debt restructured loans are restored to accrual status			6 months
Goodwill and Intangible Assets [Abstract]
Estimated useful life			15 years
Derivative Financial Instruments [Abstract]
Number of interest rate swaps			1
Proceeds from sale of U.S. Treasury securities		25,000,000
Repurchase agreement period			30 days
Recognized gain on the sale of securities		85,000	$ 594,000	$ 422,000
Tax benefit from repurchase of treasury security		34,000
Effective tax rate			25.20%	26.80%
Expected effective tax rate with no impact of hedging				26.60%
After tax interest expenses partially offset		54,000
Reduction in pretax net interest margin		82,000
Increase in after-tax net income		65,000
Consulting and placement fees		59,000
Deferred fees		53,000	$ 53,000
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) [Abstract]
Unrealized loss for pension and other postretirement obligations		(2,520,000)	(2,520,000)	$ (3,073,000)
Tax effect		1,007,000	1,007,000	1,229,000
Net unrealized loss for pension and other postretirement obligations		(1,513,000)	(1,513,000)	(1,844,000)
Unrealized loss on financial derivative instruments used in cash flow hedging relationships		0	0	(27,000)
Tax effect		0	0	11,000
Net unrealized loss on financial derivative instruments used in cash flow hedging relationships		0	0	(16,000)
Unrealized loss on available-for-sale securities		(3,072,000)	(3,072,000)	(85,000)
Tax effect		1,227,000	1,227,000	34,000
Net unrealized loss on available-for-sale securities		(1,845,000)	(1,845,000)	(51,000)
Unrealized loss on securities transferred to held-to-maturity		(774,000)	(774,000)	(1,090,000)
Tax effect		310,000	310,000	436,000
Net unrealized loss on securities transferred to held-to-maturity		(464,000)	(464,000)	(654,000)
Accumulated other comprehensive loss		$ (3,822,000)	$ (3,822,000)	(2,565,000)
Premises [Member] | Maximum [Member]
Premises and Equipment [Line Items]
Useful life			40 years
Equipment [Member] | Maximum [Member]
Premises and Equipment [Line Items]
Useful life			10 years
Pathfinder Bank [Member]
Nature of Operations [Abstract]
Number of shares of common stock sold (in shares) | shares	2,636,053		2,636,053
Common stock sold per share (in dollar per share) | $ / shares	$ 10	$ 10	$ 10
Gross offering proceeds of common stock	$ 26,400,000
Cash received from acquisition	197,000
Conversion related expenses	1,500,000
Amount received of net proceeds	$ 24,900,000		$ (1,755,000)	$ 0
Ratio of conversion of shares	1.6472
Pathfinder Bank [Member] | Employee Stock Ownership Plan (ESOP) [Member]
Nature of Operations [Abstract]
Number of shares of common stock sold (in shares) | shares	105,442

EARNINGS PER SHARE (Details)

EARNINGS PER SHARE (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Basic Earnings Per Common Share [Abstract]
Net income available to common shareholders	$ 3,256	$ 2,759
Weighted average common shares outstanding (in shares)	4,105,000	4,124,000
Basic earnings per common share (in dollars per share)	$ 0.79	$ 0.67
Diluted Earnings Per Common Share [Abstract]
Net income available to common shareholders	$ 3,256	$ 2,759
Weighted average common shares outstanding (in shares)	4,105,000	4,124,000
Effect of assumed exercise of stock options (in shares)	85,000	67,000
Diluted weighted average common shares outstanding (in shares)	4,190,000	4,191,000
Diluted earnings per common share (in dollar per share)	$ 0.78	$ 0.66
Stock Options [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Anti-dilutive stock options (in shares)	214,415	4,118

INVESTMENT SECURITIES (Details)

INVESTMENT SECURITIES (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2016USD ($)Security	Dec. 31, 2015USD ($)Security
Schedule of Available-for-sale Securities [Line Items]
Totals, amortized cost	$ 143,714
Total investment securities, amortized cost basis	145,020	$ 99,024
Gross Unrealized Gains	117	531
Gross Unrealized Losses	(3,182)	(613)
Estimated Fair Value	141,955	98,942
Schedule of Held-to-maturity Securities [Line Items]
Held-to-maturity securities, debt maturities, Amortized Cost	54,645	44,297
Held to maturity, gross unrealized gains	814	1,255
Held to maturity, gross unrealized losses	(1,030)	(37)
Held-to-maturity securities, debt maturities, Estimated Fair Value	54,429	45,515
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(1,030)	(37)
Twelve months or more Unrealized Losses	0	0
Total Unrealized Losses	(1,030)	(37)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	18,687	3,990
Twelve months or more Fair Value	0	0
Total Fair Value	$ 18,687	$ 3,990
Number of securities in unrealized loss positions, less than twelve months | Security	26	4
Number of securities in unrealized loss positions, twelve months or more | Security	0	0
Number of securities in unrealized loss positions | Security	26	4
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Due in one year or less	$ 14,678
Due after one year through five years	27,008
Due after five years through ten years	10,732
Due after ten years	11,286
Sub-total	63,704
Residential mortgage-backed - US agency	31,204
Collateralized mortgage obligations - US agency, amortized cost	42,124
Collateralized mortgage obligations - Private label	6,682
Totals, amortized cost	143,714
Available-for-sale securities, debt maturities, Estimated Fair Value [Abstract]
Due in one year or less	14,680
Due after one year through five years	26,854
Due after five years through ten years	10,545
Due after ten years	10,445
Sub-total	62,524
Residential mortgage-backed - US agency	30,566
Collateralized mortgage obligations - US agency, fair value	40,986
Collateralized mortgage obligations - Private label	6,577
Available-for-sale securities, debt maturities, fair value, totals	140,653
Held-to-maturity Securities, debt maturities, amortized cost [Abstract]
Due in one year or less	206
Due after one year through five years	10,173
Due after five years through ten years	17,823
Due after ten years	15,663
Sub-total	43,865
Residential mortgage-backed - US agency	6,386
Collateralized mortgage obligations - US agency	2,927
Collateralized mortgage obligations - Private label	1,467
Held-to-maturity securities, debt maturities, Amortized Cost	54,645	$ 44,297
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]
Due in one year or less	205
Due after one year through five years	10,259
Due after five years through ten years	18,139
Due after ten years	15,010
Sub-total	43,613
Residential mortgage-backed - US agency	6,397
Collateralized mortgage obligations - US agency	3,023
Collateralized mortgage obligations - Private label	1,396
Held-to-maturity Securities, Debt Maturities, Fair Value	54,429	45,515
Gain (Loss) on Sale of Investments [Abstract]
Realized gains on investments	526	439
Realized gains on hedging activity	85	0
Realized losses on investments	(17)	(17)
Total	594	422
Proceeds on sales and redemptions of securities	33,200	25,200
Securities pledged to collateralize deposit	96,400	89,700
Securities pledged to collateralize borrowing	12,900	17,800
Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Totals, amortized cost	143,714	97,371
Gross Unrealized Gains, Debt investment securities	104	379
Gross Unrealized Losses, Debt investment securities	(3,165)	(608)
Available-for-sale Securities, Debt investment securities	140,653	97,142
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(3,086)	(364)
Twelve months or more Unrealized Losses	(96)	(249)
Total Unrealized Losses	(3,182)	(613)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	121,688	52,859
Twelve months or more Fair Value	2,514	10,744
Total Fair Value	$ 124,202	$ 63,603
Number of securities in unrealized loss positions, less than twelve months | Security	129	53
Number of securities in unrealized loss positions, twelve months or more | Security	4	14
Number of securities in unrealized loss positions | Security	133	67
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Totals, amortized cost	$ 143,714	$ 97,371
US Treasury, Agencies and GSEs [Member]
Schedule of Available-for-sale Securities [Line Items]
Totals, amortized cost	24,263	21,380
Gross Unrealized Gains, Debt investment securities	1	13
Gross Unrealized Losses, Debt investment securities	(80)	(85)
Available-for-sale Securities, Debt investment securities	24,184	21,308
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(80)	(70)
Twelve months or more Unrealized Losses	0	(15)
Total Unrealized Losses	(80)	(85)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	22,161	13,382
Twelve months or more Fair Value	0	984
Total Fair Value	$ 22,161	$ 14,366
Number of securities in unrealized loss positions, less than twelve months | Security	6	9
Number of securities in unrealized loss positions, twelve months or more | Security	0	1
Number of securities in unrealized loss positions | Security	6	10
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Totals, amortized cost	$ 24,263	$ 21,380
State and Political Subdivisions [Member]
Schedule of Available-for-sale Securities [Line Items]
Totals, amortized cost	17,185	8,198
Gross Unrealized Gains, Debt investment securities	33	107
Gross Unrealized Losses, Debt investment securities	(737)	(5)
Available-for-sale Securities, Debt investment securities	16,481	8,300
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(737)	(4)
Twelve months or more Unrealized Losses	0	(1)
Total Unrealized Losses	(737)	(5)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	14,057	1,894
Twelve months or more Fair Value	0	339
Total Fair Value	$ 14,057	$ 2,233
Number of securities in unrealized loss positions, less than twelve months | Security	53	13
Number of securities in unrealized loss positions, twelve months or more | Security	0	3
Number of securities in unrealized loss positions | Security	53	16
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Totals, amortized cost	$ 17,185	$ 8,198
Corporate [Member]
Schedule of Available-for-sale Securities [Line Items]
Totals, amortized cost	15,560	18,173
Gross Unrealized Gains, Debt investment securities	20	51
Gross Unrealized Losses, Debt investment securities	(385)	(96)
Available-for-sale Securities, Debt investment securities	15,195	18,128
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(385)	(57)
Twelve months or more Unrealized Losses	0	(39)
Total Unrealized Losses	(385)	(96)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	10,587	8,123
Twelve months or more Fair Value	0	2,820
Total Fair Value	$ 10,587	$ 10,943
Number of securities in unrealized loss positions, less than twelve months | Security	10	10
Number of securities in unrealized loss positions, twelve months or more | Security	0	2
Number of securities in unrealized loss positions | Security	10	12
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Totals, amortized cost	$ 15,560	$ 18,173
Asset Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Totals, amortized cost	6,696
Gross Unrealized Gains, Debt investment securities	5
Gross Unrealized Losses, Debt investment securities	(37)
Available-for-sale Securities, Debt investment securities	6,664
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(37)	0
Twelve months or more Unrealized Losses	0	0
Total Unrealized Losses	(37)	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	4,455	0
Twelve months or more Fair Value	0	0
Total Fair Value	$ 4,455	$ 0
Number of securities in unrealized loss positions, less than twelve months | Security	3	0
Number of securities in unrealized loss positions, twelve months or more | Security	0	0
Number of securities in unrealized loss positions | Security	3	0
Number of securities | Security	5
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Totals, amortized cost	$ 6,696
Residential Mortgage-Backed - US Agency [Member]
Schedule of Available-for-sale Securities [Line Items]
Totals, amortized cost	31,204	$ 32,740
Gross Unrealized Gains, Debt investment securities	0	113
Gross Unrealized Losses, Debt investment securities	(638)	(280)
Available-for-sale Securities, Debt investment securities	30,566	32,573
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(638)	(148)
Twelve months or more Unrealized Losses	0	(132)
Total Unrealized Losses	(638)	(280)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	29,849	20,204
Twelve months or more Fair Value	0	4,812
Total Fair Value	$ 29,849	$ 25,016
Number of securities in unrealized loss positions, less than twelve months | Security	23	14
Number of securities in unrealized loss positions, twelve months or more | Security	0	5
Number of securities in unrealized loss positions | Security	23	19
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Totals, amortized cost	$ 31,204	$ 32,740
Collateralized Mortgage Obligations - US Agency [Member]
Schedule of Available-for-sale Securities [Line Items]
Totals, amortized cost	42,124	16,880
Gross Unrealized Gains, Debt investment securities	45	95
Gross Unrealized Losses, Debt investment securities	(1,183)	(142)
Available-for-sale Securities, Debt investment securities	40,986	16,833
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(1,087)	(80)
Twelve months or more Unrealized Losses	(96)	(62)
Total Unrealized Losses	(1,183)	(142)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	33,376	8,618
Twelve months or more Fair Value	2,514	1,789
Total Fair Value	$ 35,890	$ 10,407
Number of securities in unrealized loss positions, less than twelve months | Security	28	6
Number of securities in unrealized loss positions, twelve months or more | Security	4	3
Number of securities in unrealized loss positions | Security	32	9
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Totals, amortized cost	$ 42,124	$ 16,880
Collateralized Mortgage Obligations of Private Label [Member]
Schedule of Available-for-sale Securities [Line Items]
Totals, amortized cost	6,682
Gross Unrealized Gains, Debt investment securities	0
Gross Unrealized Losses, Debt investment securities	(105)
Available-for-sale Securities, Debt investment securities	6,577
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(105)	0
Twelve months or more Unrealized Losses	0	0
Total Unrealized Losses	(105)	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	6,577	0
Twelve months or more Fair Value	0	0
Total Fair Value	$ 6,577	$ 0
Number of securities in unrealized loss positions, less than twelve months | Security	5	0
Number of securities in unrealized loss positions, twelve months or more | Security	0	0
Number of securities in unrealized loss positions | Security	5	0
Number of securities | Security	7
Available-for-sale securities, debt maturities, amortized cost [Abstract]
Totals, amortized cost	$ 6,682
Seven Private-Label Mortgage-Backed Securities [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Investment securities, aggregate book value	9,800
Five Private-Label Asset - Backed Securities [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Investment securities, aggregate book value	$ 6,700
Municipal Securities [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Months of unrealized loss positions	12 months
Equity and Other Investments [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost, equity securities	$ 1,306	$ 1,653
Gross Unrealized Gains, Equity investment securities	13	152
Gross Unrealized Losses, Equity investment securities	(17)	(5)
Available-for-sale Securities, Equity investment securities	1,302	1,800
Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(17)	(5)
Twelve months or more Unrealized Losses	0	0
Total Unrealized Losses	(17)	(5)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	626	638
Twelve months or more Fair Value	0	0
Total Fair Value	$ 626	$ 638
Number of securities in unrealized loss positions, less than twelve months | Security	1	1
Number of securities in unrealized loss positions, twelve months or more | Security	0	0
Number of securities in unrealized loss positions | Security	1	1
Mutual Funds Ultra Short Mortgage Funds [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost, equity securities	$ 643	$ 643
Gross Unrealized Gains, Equity investment securities	0	0
Gross Unrealized Losses, Equity investment securities	(17)	(5)
Available-for-sale Securities, Equity investment securities	626	638
Mutual Funds Large Cap Equity Fund [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost, equity securities		456
Gross Unrealized Gains, Equity investment securities		127
Gross Unrealized Losses, Equity investment securities		0
Available-for-sale Securities, Equity investment securities		583
Mutual Funds Common Stock Financial Services Industry [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost, equity securities	663	554
Gross Unrealized Gains, Equity investment securities	13	25
Gross Unrealized Losses, Equity investment securities	0	0
Available-for-sale Securities, Equity investment securities	676	579
US Treasury, Agencies and GSEs [Member]
Schedule of Held-to-maturity Securities [Line Items]
Held-to-maturity securities, debt maturities, Amortized Cost	4,928	7,860
Held to maturity, gross unrealized gains	30	81
Held to maturity, gross unrealized losses	(18)	(29)
Held-to-maturity securities, debt maturities, Estimated Fair Value	4,940	7,912
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(18)	(29)
Twelve months or more Unrealized Losses	0	0
Total Unrealized Losses	(18)	(29)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	982	2,970
Twelve months or more Fair Value	0	0
Total Fair Value	$ 982	$ 2,970
Number of securities in unrealized loss positions, less than twelve months | Security	1	2
Number of securities in unrealized loss positions, twelve months or more | Security	0	0
Number of securities in unrealized loss positions | Security	1	2
Held-to-maturity Securities, debt maturities, amortized cost [Abstract]
Held-to-maturity securities, debt maturities, Amortized Cost	$ 4,928	$ 7,860
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]
Held-to-maturity Securities, Debt Maturities, Fair Value	4,940	7,912
State and Political Subdivisions [Member]
Schedule of Held-to-maturity Securities [Line Items]
Held-to-maturity securities, debt maturities, Amortized Cost	30,697	21,585
Held to maturity, gross unrealized gains	572	881
Held to maturity, gross unrealized losses	(693)	0
Held-to-maturity securities, debt maturities, Estimated Fair Value	30,576	22,466
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(693)	0
Twelve months or more Unrealized Losses	0	0
Total Unrealized Losses	(693)	0
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	10,038	0
Twelve months or more Fair Value	0	0
Total Fair Value	$ 10,038	$ 0
Number of securities in unrealized loss positions, less than twelve months | Security	16	0
Number of securities in unrealized loss positions, twelve months or more | Security	0	0
Number of securities in unrealized loss positions | Security	16	0
Held-to-maturity Securities, debt maturities, amortized cost [Abstract]
Held-to-maturity securities, debt maturities, Amortized Cost	$ 30,697	$ 21,585
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]
Held-to-maturity Securities, Debt Maturities, Fair Value	30,576	22,466
Corporate [Member]
Schedule of Held-to-maturity Securities [Line Items]
Held-to-maturity securities, debt maturities, Amortized Cost	8,240	4,175
Held to maturity, gross unrealized gains	85	53
Held to maturity, gross unrealized losses	(228)	(3)
Held-to-maturity securities, debt maturities, Estimated Fair Value	8,097	4,225
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(228)	(3)
Twelve months or more Unrealized Losses	0	0
Total Unrealized Losses	(228)	(3)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	4,402	225
Twelve months or more Fair Value	0	0
Total Fair Value	$ 4,402	$ 225
Number of securities in unrealized loss positions, less than twelve months | Security	5	1
Number of securities in unrealized loss positions, twelve months or more | Security	0	0
Number of securities in unrealized loss positions | Security	5	1
Held-to-maturity Securities, debt maturities, amortized cost [Abstract]
Held-to-maturity securities, debt maturities, Amortized Cost	$ 8,240	$ 4,175
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]
Held-to-maturity Securities, Debt Maturities, Fair Value	8,097	4,225
Residential Mortgage-Backed - US Agency [Member]
Schedule of Held-to-maturity Securities [Line Items]
Held-to-maturity securities, debt maturities, Amortized Cost	6,386	7,763
Held to maturity, gross unrealized gains	31	137
Held to maturity, gross unrealized losses	(20)	(5)
Held-to-maturity securities, debt maturities, Estimated Fair Value	6,397	7,895
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(20)	(5)
Twelve months or more Unrealized Losses	0	0
Total Unrealized Losses	(20)	(5)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	1,869	795
Twelve months or more Fair Value	0	0
Total Fair Value	$ 1,869	$ 795
Number of securities in unrealized loss positions, less than twelve months | Security	3	1
Number of securities in unrealized loss positions, twelve months or more | Security	0	0
Number of securities in unrealized loss positions | Security	3	1
Held-to-maturity Securities, debt maturities, amortized cost [Abstract]
Held-to-maturity securities, debt maturities, Amortized Cost	$ 6,386	$ 7,763
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]
Held-to-maturity Securities, Debt Maturities, Fair Value	6,397	7,895
Collateralized Mortgage Obligations - US Agency [Member]
Schedule of Held-to-maturity Securities [Line Items]
Held-to-maturity securities, debt maturities, Amortized Cost	2,927	2,914
Held to maturity, gross unrealized gains	96	103
Held to maturity, gross unrealized losses	0	0
Held-to-maturity securities, debt maturities, Estimated Fair Value	3,023	3,017
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	0	0
Twelve months or more Unrealized Losses	0	0
Total Unrealized Losses	0	0
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	0	0
Twelve months or more Fair Value	0	0
Total Fair Value	$ 0	$ 0
Number of securities in unrealized loss positions, less than twelve months | Security	0	0
Number of securities in unrealized loss positions, twelve months or more | Security	0	0
Number of securities in unrealized loss positions | Security	0	0
Held-to-maturity Securities, debt maturities, amortized cost [Abstract]
Held-to-maturity securities, debt maturities, Amortized Cost	$ 2,927	$ 2,914
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]
Held-to-maturity Securities, Debt Maturities, Fair Value	3,023	3,017
Residential Mortgage-Backed-Private Label [Member]
Schedule of Held-to-maturity Securities [Line Items]
Held-to-maturity securities, debt maturities, Amortized Cost	1,467
Held to maturity, gross unrealized gains	0
Held to maturity, gross unrealized losses	(71)
Held-to-maturity securities, debt maturities, Estimated Fair Value	1,396
Held-to-maturity Securities, debt maturities, amortized cost [Abstract]
Held-to-maturity securities, debt maturities, Amortized Cost	1,467
Held-to-maturity Securities, debt maturities, Estimated Fair Value [Abstract]
Held-to-maturity Securities, Debt Maturities, Fair Value	1,396
Collateralized Mortgage Obligations of Private Label [Member]
Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss [Abstract]
Less than twelve months Unrealized Losses	(71)	0
Twelve months or more Unrealized Losses	0	0
Total Unrealized Losses	(71)	0
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less than twelve months Fair Value	1,396	0
Twelve months or more Fair Value	0	0
Total Fair Value	$ 1,396	$ 0
Number of securities in unrealized loss positions, less than twelve months | Security	1	0
Number of securities in unrealized loss positions, twelve months or more | Security	0	0
Number of securities in unrealized loss positions | Security	1	0

LOANS (Details)

LOANS (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	$ 492,612	$ 430,586
Net deferred loan fees	(465)	(148)
Less allowance for loan losses	(6,247)	(5,706)
Loans receivable, net	485,900	424,732
1-4 Family First-Lien Residential Mortgages [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	199,000	181,792
Real Estate [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	$ 150,698	$ 129,506
Percentage of total loan portfolio	78.00%	81.00%
Other Commercial and Industrial [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	$ 67,646	$ 54,899
Tax Exempt Loans [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	12,523	9,081
Residential Mortgage Loans [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Residential mortgage loans pledged to FHLBNY as blanket collateral	140,300	125,800
Home Equity and Junior Liens [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	24,722	23,463
Other Consumer [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	6,293	4,886
Residential Mortgage Loans [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	207,505	189,716
Residential Mortgage Loans [Member] | 1-4 Family First-Lien Residential Mortgages [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	199,000	181,792
Residential Mortgage Loans [Member] | Construction [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	8,505	7,924
Commercial Loans [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	254,092	212,521
Commercial Loans [Member] | Real Estate [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	150,698	129,506
Commercial Loans [Member] | Lines of Credit [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	23,225	19,035
Commercial Loans [Member] | Other Commercial and Industrial [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	67,646	54,899
Commercial Loans [Member] | Tax Exempt Loans [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	12,523	9,081
Consumer Loans [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	31,015	28,349
Consumer Loans [Member] | Home Equity and Junior Liens [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	24,722	23,463
Consumer Loans [Member] | Other Consumer [Member]
Notes, Loans and Financing Receivable, Net [Abstract]
Total loans	$ 6,293	$ 4,886

LOANS, CREDIT QUALITY INDICATOR

LOANS, CREDIT QUALITY INDICATOR (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Financing Receivable, Recorded Investment [Line Items]
Loans	$ 492,612	$ 430,586
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	$ 477,138	$ 414,050
Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Number of consecutive months current before loan is upgraded	6 months	6 months
Loans	$ 6,691	$ 8,250
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Number of consecutive months current before loan is upgraded	6 months	6 months
Loans	$ 7,472	$ 7,317
Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,311	969
1-4 Family First-Lien Residential Mortgages [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	199,000	181,792
Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	150,698	129,506
Other Commercial and Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	67,646	54,899
Tax Exempt Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	12,523	9,081
Home Equity and Junior Liens [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	24,722	23,463
Other Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	$ 6,293	$ 4,886
Residential Mortgage and Consumer Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Number of days past due before a loan is classified as Special Mention	60 days	60 days
Number of days past due before a loan is classified as Substandard	90 days	90 days
Residential Mortgage Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	$ 207,505	$ 189,716
Residential Mortgage Loans [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	202,882	185,168
Residential Mortgage Loans [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,445	1,375
Residential Mortgage Loans [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	2,115	2,425
Residential Mortgage Loans [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,063	748
Residential Mortgage Loans [Member] | 1-4 Family First-Lien Residential Mortgages [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	199,000	181,792
Residential Mortgage Loans [Member] | 1-4 Family First-Lien Residential Mortgages [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	194,377	177,244
Residential Mortgage Loans [Member] | 1-4 Family First-Lien Residential Mortgages [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,445	1,375
Residential Mortgage Loans [Member] | 1-4 Family First-Lien Residential Mortgages [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	2,115	2,425
Residential Mortgage Loans [Member] | 1-4 Family First-Lien Residential Mortgages [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,063	748
Residential Mortgage Loans [Member] | Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	8,505	7,924
Residential Mortgage Loans [Member] | Construction [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	8,505	7,924
Residential Mortgage Loans [Member] | Construction [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Residential Mortgage Loans [Member] | Construction [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Residential Mortgage Loans [Member] | Construction [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Commercial Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	254,092	212,521
Commercial Loans [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	244,069	201,262
Commercial Loans [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	5,059	6,662
Commercial Loans [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	4,960	4,590
Commercial Loans [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	4	7
Commercial Loans [Member] | Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	150,698	129,506
Commercial Loans [Member] | Real Estate [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	143,126	121,283
Commercial Loans [Member] | Real Estate [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	3,714	4,345
Commercial Loans [Member] | Real Estate [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	3,858	3,878
Commercial Loans [Member] | Real Estate [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Commercial Loans [Member] | Lines of Credit [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	23,225	19,035
Commercial Loans [Member] | Lines of Credit [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	22,141	17,358
Commercial Loans [Member] | Lines of Credit [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	684	1,469
Commercial Loans [Member] | Lines of Credit [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	400	208
Commercial Loans [Member] | Lines of Credit [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Commercial Loans [Member] | Other Commercial and Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	67,646	54,899
Commercial Loans [Member] | Other Commercial and Industrial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	66,279	53,540
Commercial Loans [Member] | Other Commercial and Industrial [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	661	848
Commercial Loans [Member] | Other Commercial and Industrial [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	702	504
Commercial Loans [Member] | Other Commercial and Industrial [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	4	7
Commercial Loans [Member] | Tax Exempt Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	12,523	9,081
Commercial Loans [Member] | Tax Exempt Loans [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	12,523	9,081
Commercial Loans [Member] | Tax Exempt Loans [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Commercial Loans [Member] | Tax Exempt Loans [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Commercial Loans [Member] | Tax Exempt Loans [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Consumer Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	31,015	28,349
Consumer Loans [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	30,187	27,620
Consumer Loans [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	187	213
Consumer Loans [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	397	302
Consumer Loans [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	244	214
Consumer Loans [Member] | Home Equity and Junior Liens [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	24,722	23,463
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	23,963	22,780
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	170	182
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	389	287
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	200	214
Consumer Loans [Member] | Other Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	6,293	4,886
Consumer Loans [Member] | Other Consumer [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	6,224	4,840
Consumer Loans [Member] | Other Consumer [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	17	31
Consumer Loans [Member] | Other Consumer [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	8	15
Consumer Loans [Member] | Other Consumer [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	$ 44	$ 0

LOANS, NON-ACCRUAL AND PAST DUE

LOANS, NON-ACCRUAL AND PAST DUE LOANS (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2016USD ($)LoanContract	Dec. 31, 2015USD ($)LoanContract
Recorded Investment, Past Due [Line Items]
Total Past Due	$ 9,763	$ 8,872
Current	482,849	421,714
Total Loans Receivable	492,612	430,586
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	4,811	5,318
Ninety days past due and still accruing interest	$ 0	$ 0
Number of contracts, TDRs | Loan	0	0
Number of contracts, TDR payment default | Contract	0	0
Troubled Debt Restructuring, Modified [Abstract]
Number of loans | Loan	0	0
Number of Contracts | Contract	0	0
30-59 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	$ 3,575	$ 2,380
60-89 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	1,377	1,174
90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	4,811	5,318
1-4 Family First-Lien Residential Mortgages [Member]
Recorded Investment, Past Due [Line Items]
Total Loans Receivable	199,000	181,792
Real Estate [Member]
Recorded Investment, Past Due [Line Items]
Total Loans Receivable	150,698	129,506
Other Commercial and Industrial [Member]
Recorded Investment, Past Due [Line Items]
Total Loans Receivable	67,646	54,899
Tax Exempt Loans [Member]
Recorded Investment, Past Due [Line Items]
Total Loans Receivable	12,523	9,081
Home Equity and Junior Liens [Member]
Recorded Investment, Past Due [Line Items]
Total Loans Receivable	24,722	23,463
Other Consumer [Member]
Recorded Investment, Past Due [Line Items]
Total Loans Receivable	6,293	$ 4,886
Commercial Real Estate Loans [Member]
Nonaccrual loans, Segregated by class of loans [Abstract]
Financing Receivable Recorded Investment Threshold Value	$ 100
Number of contracts, TDRs | Loan	1	1
Troubled Debt Restructuring, Modified [Abstract]
Number of loans | Loan	1	1
Pre-modification outstanding recorded investment	$ 2,088	$ 678
Post-modification outstanding recorded investment	2,088	324
Additional provision for loan losses	0	354
Residential Mortgage Loans [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	4,639	3,638
Current	202,866	186,078
Total Loans Receivable	207,505	189,716
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	$ 2,560	$ 1,715
Number of contracts, TDRs | Loan	3	2
Troubled Debt Restructuring, Modified [Abstract]
Number of loans | Loan	3	2
Pre-modification outstanding recorded investment	$ 127	$ 69
Post-modification outstanding recorded investment	135	79
Additional provision for loan losses	29	0
Residential Mortgage Loans [Member] | 30-59 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	1,247	1,115
Residential Mortgage Loans [Member] | 60-89 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	832	808
Residential Mortgage Loans [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	2,560	1,715
Residential Mortgage Loans [Member] | 1-4 Family First-Lien Residential Mortgages [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	4,639	3,638
Current	194,361	178,154
Total Loans Receivable	199,000	181,792
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	2,560	1,715
Residential Mortgage Loans [Member] | 1-4 Family First-Lien Residential Mortgages [Member] | 30-59 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	1,247	1,115
Residential Mortgage Loans [Member] | 1-4 Family First-Lien Residential Mortgages [Member] | 60-89 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	832	808
Residential Mortgage Loans [Member] | 1-4 Family First-Lien Residential Mortgages [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	2,560	1,715
Residential Mortgage Loans [Member] | Construction [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Current	8,505	7,924
Total Loans Receivable	8,505	7,924
Residential Mortgage Loans [Member] | Construction [Member] | 30-59 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Residential Mortgage Loans [Member] | Construction [Member] | 60-89 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Residential Mortgage Loans [Member] | Construction [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Commercial Loans [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	4,453	4,708
Current	249,639	207,813
Total Loans Receivable	254,092	212,521
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	1,863	3,238
Commercial Loans [Member] | 30-59 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	2,215	1,119
Commercial Loans [Member] | 60-89 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	375	351
Commercial Loans [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	1,863	3,238
Commercial Loans [Member] | Real Estate [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	2,661	3,769
Current	148,037	125,737
Total Loans Receivable	150,698	129,506
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	1,223	2,694
Commercial Loans [Member] | Real Estate [Member] | 30-59 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	1,063	940
Commercial Loans [Member] | Real Estate [Member] | 60-89 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	375	135
Commercial Loans [Member] | Real Estate [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	1,223	2,694
Commercial Loans [Member] | Lines of Credit [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	819	194
Current	22,406	18,841
Total Loans Receivable	23,225	19,035
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	0	174
Commercial Loans [Member] | Lines of Credit [Member] | 30-59 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	819	20
Commercial Loans [Member] | Lines of Credit [Member] | 60-89 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Commercial Loans [Member] | Lines of Credit [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0	174
Commercial Loans [Member] | Other Commercial and Industrial [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	973	745
Current	66,673	54,154
Total Loans Receivable	67,646	54,899
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	640	370
Commercial Loans [Member] | Other Commercial and Industrial [Member] | 30-59 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	333	159
Commercial Loans [Member] | Other Commercial and Industrial [Member] | 60-89 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0	216
Commercial Loans [Member] | Other Commercial and Industrial [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	640	370
Commercial Loans [Member] | Tax Exempt Loans [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Current	12,523	9,081
Total Loans Receivable	12,523	9,081
Commercial Loans [Member] | Tax Exempt Loans [Member] | 30-59 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Commercial Loans [Member] | Tax Exempt Loans [Member] | 60-89 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Commercial Loans [Member] | Tax Exempt Loans [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Consumer Loans [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	671	526
Current	30,344	27,823
Total Loans Receivable	31,015	28,349
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	388	365
Financing Receivable Recorded Investment Threshold Value	300
Consumer Loans [Member] | 30-59 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	113	146
Consumer Loans [Member] | 60-89 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	170	15
Consumer Loans [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	388	365
Consumer Loans [Member] | Home Equity and Junior Liens [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	600	492
Current	24,122	22,971
Total Loans Receivable	24,722	23,463
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	338	360
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | 30-59 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	105	132
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | 60-89 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	157	0
Consumer Loans [Member] | Home Equity and Junior Liens [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	338	360
Consumer Loans [Member] | Other Consumer [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	71	34
Current	6,222	4,852
Total Loans Receivable	6,293	4,886
Nonaccrual loans, Segregated by class of loans [Abstract]
Nonaccrual status loans	50	5
Consumer Loans [Member] | Other Consumer [Member] | 30-59 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	8	14
Consumer Loans [Member] | Other Consumer [Member] | 60-89 Days Past Due And Accruing [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	13	0
Consumer Loans [Member] | Other Consumer [Member] | 90 Days and Over [Member]
Recorded Investment, Past Due [Line Items]
Total Past Due	$ 50	$ 5

LOANS, IMPAIRED LOANS (Details)

LOANS, IMPAIRED LOANS (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Total [Abstract]
Recorded Investment	$ 8,592	$ 6,535
Unpaid Principal Balance	8,743	6,840
Related Allowance	1,130	960
Average recorded investment [Abstract]
Total	6,632	7,048
Cash basis interest recognized on impaired loans [Abstract]
Total	304	138
Residential Mortgage Loans [Member] | 1-4 Family First-Lien Residential Mortgages [Member]
With no related allowance recorded [Abstract]
Recorded Investment	850	473
Unpaid Principal Balance	857	473
Related Allowance	0	0
With an allowance recorded [Abstract]
Recorded Investment	763	0
Unpaid Principal Balance	763	0
Related Allowance	117	0
Total [Abstract]
Recorded Investment	1,613	473
Unpaid Principal Balance	1,620	473
Related Allowance	117	0
Average recorded investment [Abstract]
Total	777	671
Cash basis interest recognized on impaired loans [Abstract]
Total	64	17
Commercial Loans [Member] | Commercial Real Estate [Member]
With no related allowance recorded [Abstract]
Recorded Investment	4,254	2,580
Unpaid Principal Balance	4,344	2,709
Related Allowance	0	0
With an allowance recorded [Abstract]
Recorded Investment	818	1,850
Unpaid Principal Balance	872	1,963
Related Allowance	455	760
Total [Abstract]
Recorded Investment	5,072	4,430
Unpaid Principal Balance	5,216	4,672
Related Allowance	455	760
Average recorded investment [Abstract]
Total	4,325	4,742
Cash basis interest recognized on impaired loans [Abstract]
Total	161	92
Commercial Loans [Member] | Commercial Lines of Credit [Member]
With no related allowance recorded [Abstract]
Recorded Investment	400	574
Unpaid Principal Balance	400	597
Related Allowance	0	0
With an allowance recorded [Abstract]
Recorded Investment	0	5
Unpaid Principal Balance	0	5
Related Allowance	0	5
Total [Abstract]
Recorded Investment	400	579
Unpaid Principal Balance	400	602
Related Allowance	0	5
Average recorded investment [Abstract]
Total	479	520
Cash basis interest recognized on impaired loans [Abstract]
Total	0	0
Commercial Loans [Member] | Other Commercial and Industrial [Member]
With no related allowance recorded [Abstract]
Recorded Investment	470	536
Unpaid Principal Balance	470	569
Related Allowance	0	0
With an allowance recorded [Abstract]
Recorded Investment	552	224
Unpaid Principal Balance	552	230
Related Allowance	553	193
Total [Abstract]
Recorded Investment	1,022	760
Unpaid Principal Balance	1,022	799
Related Allowance	553	193
Average recorded investment [Abstract]
Total	724	803
Cash basis interest recognized on impaired loans [Abstract]
Total	66	29
Consumer Loans [Member] | Home Equity and Junior Liens [Member]
With no related allowance recorded [Abstract]
Recorded Investment	140	187
Unpaid Principal Balance	140	187
Related Allowance	0	0
With an allowance recorded [Abstract]
Recorded Investment	345	101
Unpaid Principal Balance	345	101
Related Allowance	5	2
Total [Abstract]
Recorded Investment	485	288
Unpaid Principal Balance	485	288
Related Allowance	5	2
Average recorded investment [Abstract]
Total	325	305
Cash basis interest recognized on impaired loans [Abstract]
Total	13	0
Consumer Loans [Member] | Other Consumer [Member]
With no related allowance recorded [Abstract]
Recorded Investment	0	5
Unpaid Principal Balance	0	6
Related Allowance	0	0
Total [Abstract]
Recorded Investment	0	5
Unpaid Principal Balance	0	6
Related Allowance	0	0
Average recorded investment [Abstract]
Total	2	7
Cash basis interest recognized on impaired loans [Abstract]
Total	$ 0	$ 0

LOANS, CHANGE IN ALLOWANCE FOR

LOANS, CHANGE IN ALLOWANCE FOR LOAN LOSSES (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Allowance for loan losses [Roll Forward]
Beginning balance	$ 5,706	$ 5,349
Charge-offs	(519)	(1,149)
Recoveries	107	157
Provisions (credits)	953	1,349
Ending balance	6,247	5,706
Ending balance: related to loans individually evaluated for impairment	1,130	960
Ending balance: related to loans collectively evaluated for impairment	5,117	4,746
Loans receivable, ending balance	492,612	430,586
Ending balance: individually evaluated for impairment	8,592	6,535
Ending balance: collectively evaluated for impairment	484,020	424,051
1-4 Family First-Lien Residential Mortgage [Member]
Allowance for loan losses [Roll Forward]
Beginning balance	581	509
Charge-offs	(242)	(234)
Recoveries	13	40
Provisions (credits)	407	266
Ending balance	759	581
Ending balance: related to loans individually evaluated for impairment	117	0
Ending balance: related to loans collectively evaluated for impairment	642	581
Loans receivable, ending balance	199,000	181,792
Ending balance: individually evaluated for impairment	1,613	473
Ending balance: collectively evaluated for impairment	197,387	181,319
Residential Construction Mortgage [Member]
Allowance for loan losses [Roll Forward]
Beginning balance	0	0
Charge-offs	0	0
Recoveries	0	0
Provisions (credits)	0	0
Ending balance	0	0
Ending balance: related to loans individually evaluated for impairment	0	0
Ending balance: related to loans collectively evaluated for impairment	0	0
Loans receivable, ending balance	8,505	7,924
Ending balance: individually evaluated for impairment	0	0
Ending balance: collectively evaluated for impairment	8,505	7,924
Commercial Real Estate [Member]
Allowance for loan losses [Roll Forward]
Beginning balance	2,983	2,801
Charge-offs	0	(308)
Recoveries	6	0
Provisions (credits)	(54)	490
Ending balance	2,935	2,983
Ending balance: related to loans individually evaluated for impairment	455	760
Ending balance: related to loans collectively evaluated for impairment	2,480	2,223
Loans receivable, ending balance	150,698	129,506
Ending balance: individually evaluated for impairment	5,072	4,430
Ending balance: collectively evaluated for impairment	145,626	125,076
Commercial Lines of Credit [Member]
Allowance for loan losses [Roll Forward]
Beginning balance	401	460
Charge-offs	(69)	(206)
Recoveries	11	38
Provisions (credits)	54	109
Ending balance	397	401
Ending balance: related to loans individually evaluated for impairment	0	5
Ending balance: related to loans collectively evaluated for impairment	397	396
Loans receivable, ending balance	23,225	19,035
Ending balance: individually evaluated for impairment	400	579
Ending balance: collectively evaluated for impairment	22,825	18,456
Other Commercial and Industrial [Member]
Allowance for loan losses [Roll Forward]
Beginning balance	1,270	1,034
Charge-offs	0	(272)
Recoveries	14	10
Provisions (credits)	374	498
Ending balance	1,658	1,270
Ending balance: related to loans individually evaluated for impairment	553	193
Ending balance: related to loans collectively evaluated for impairment	1,105	1,077
Loans receivable, ending balance	67,646	54,899
Ending balance: individually evaluated for impairment	1,022	760
Ending balance: collectively evaluated for impairment	66,624	54,139
Tax Exempt [Member]
Allowance for loan losses [Roll Forward]
Beginning balance	3	3
Charge-offs	0	0
Recoveries	0	0
Provisions (credits)	(2)	0
Ending balance	1	3
Ending balance: related to loans individually evaluated for impairment	0	0
Ending balance: related to loans collectively evaluated for impairment	1	3
Loans receivable, ending balance	12,523	9,081
Ending balance: individually evaluated for impairment	0	0
Ending balance: collectively evaluated for impairment	12,523	9,081
Home Equity and Junior Liens [Member]
Allowance for loan losses [Roll Forward]
Beginning balance	350	388
Charge-offs	(147)	(26)
Recoveries	10	10
Provisions (credits)	118	(22)
Ending balance	331	350
Ending balance: related to loans individually evaluated for impairment	5	2
Ending balance: related to loans collectively evaluated for impairment	326	348
Loans receivable, ending balance	24,722	23,463
Ending balance: individually evaluated for impairment	485	288
Ending balance: collectively evaluated for impairment	24,237	23,175
Other Consumer [Member]
Allowance for loan losses [Roll Forward]
Beginning balance	118	98
Charge-offs	(61)	(103)
Recoveries	53	59
Provisions (credits)	56	64
Ending balance	166	118
Ending balance: related to loans individually evaluated for impairment	0	0
Ending balance: related to loans collectively evaluated for impairment	166	118
Loans receivable, ending balance	6,293	4,886
Ending balance: individually evaluated for impairment	0	5
Ending balance: collectively evaluated for impairment	6,293	4,881
Unallocated [Member]
Allowance for loan losses [Roll Forward]
Beginning balance	0	56
Charge-offs	0	0
Recoveries	0	0
Provisions (credits)	0	(56)
Ending balance	0	0
Ending balance: related to loans individually evaluated for impairment	0	0
Ending balance: related to loans collectively evaluated for impairment	$ 0	$ 0

LOANS, ALLOWANCE FOR LOAN LOSSE

LOANS, ALLOWANCE FOR LOAN LOSSES, BASIS OF CALCULATION METHODOLOGY (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Allowance for Loan Losses on Basis of Calculation Methodology [Abstract]
Specifically reserved	$ 1,130	$ 960
Historical loss rate	283	321
Qualitative factors	4,834	4,425
Total	6,247	5,706	$ 5,349
1-4 Family First-Lien Residential Mortgage [Member]
Allowance for Loan Losses on Basis of Calculation Methodology [Abstract]
Specifically reserved	117	0
Historical loss rate	106	70
Qualitative factors	536	511
Total	759	581	509
Residential Construction Mortgage [Member]
Allowance for Loan Losses on Basis of Calculation Methodology [Abstract]
Specifically reserved	0	0
Historical loss rate	0	0
Qualitative factors	0	0
Total	0	0	0
Commercial Real Estate [Member]
Allowance for Loan Losses on Basis of Calculation Methodology [Abstract]
Specifically reserved	455	760
Historical loss rate	45	97
Qualitative factors	2,435	2,126
Total	2,935	2,983	2,801
Commercial Lines of Credit [Member]
Allowance for Loan Losses on Basis of Calculation Methodology [Abstract]
Specifically reserved	0	5
Historical loss rate	31	49
Qualitative factors	366	347
Total	397	401	460
Other Commercial and Industrial [Member]
Allowance for Loan Losses on Basis of Calculation Methodology [Abstract]
Specifically reserved	553	193
Historical loss rate	50	54
Qualitative factors	1,055	1,023
Total	1,658	1,270	1,034
Tax Exempt [Member]
Allowance for Loan Losses on Basis of Calculation Methodology [Abstract]
Specifically reserved	0	0
Historical loss rate	0	0
Qualitative factors	1	3
Total	1	3	3
Home Equity and Junior Liens [Member]
Allowance for Loan Losses on Basis of Calculation Methodology [Abstract]
Specifically reserved	5	2
Historical loss rate	35	26
Qualitative factors	291	322
Total	331	350	388
Other Consumer [Member]
Allowance for Loan Losses on Basis of Calculation Methodology [Abstract]
Specifically reserved	0	0
Historical loss rate	16	25
Qualitative factors	150	93
Total	166	118	98
Unallocated [Member]
Allowance for Loan Losses on Basis of Calculation Methodology [Abstract]
Specifically reserved	0	0
Historical loss rate	0	0
Qualitative factors	0	0
Total	$ 0	$ 0	$ 56

SERVICING (Details)

SERVICING (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2016USD ($)Loan	Dec. 31, 2015USD ($)Loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unpaid principal balance of mortgage and other loans	$ 17,000	$ 20,900
Capitalized servicing rights	40	52
Mortgage servicing rights capitalized	0	0
Mortgage servicing rights amortized	$ 12	$ 14
Residential Mortgage Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of loans | Loan	268	317

PREMISES AND EQUIPMENT (Details

PREMISES AND EQUIPMENT (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Premises and Equipment [Line Items]
Premises and equipment, gross	$ 29,312	$ 27,983
Less: Accumulated depreciation	14,135	13,149
Premises and equipment, net	15,177	14,834
Land [Member]
Premises and Equipment [Line Items]
Premises and equipment, gross	2,205	2,176
Buildings [Member]
Premises and Equipment [Line Items]
Premises and equipment, gross	13,704	12,111
Furniture, Fixtures and Equipment [Member]
Premises and Equipment [Line Items]
Premises and equipment, gross	12,948	11,194
Construction in Progress [Member]
Premises and Equipment [Line Items]
Premises and equipment, gross	$ 455	$ 2,502

FORECLOSED REAL ESTATE (Details

FORECLOSED REAL ESTATE (Details) $ in Thousands	Dec. 31, 2016USD ($)Property	Dec. 31, 2015USD ($)Property
Real Estate Properties [Line Items]
Foreclosed real estate	$ 597	$ 517
Residential real estate loans in the process of foreclosure	$ 659
Foreclosed Residential Real Estate [Member]
Real Estate Properties [Line Items]
Number of properties | Property	7	2
Foreclosed real estate	$ 393	$ 182

GOODWILL AND INTANGIBLE ASSET70

GOODWILL AND INTANGIBLE ASSETS (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2013	Dec. 31, 2015
Business Acquisition [Line Items]
Goodwill	$ 4,536		$ 4,536
Identifiable intangible asset	$ 198
Future weighted amortization period of intangible asset	7 years
Gross carrying amount and accumulated amortization for identifiable intangible asset [Abstract]
Gross carrying amount	$ 214		175
Addition due to Huntington agency purchase	0		55
Amortization recognized in the year	(16)		(16)
Net amortizing intangibles	198		214
Estimated amortization expense for each of the five succeeding years [Abstract]
2,017	16
2,018	16
2,019	16
2,020	16
2,021	16
Thereafter	118
Net amortizing intangibles	198		$ 214
Branches [Member]
Business Acquisition [Line Items]
Goodwill acquired	$ 3,800
Fitzgibbons Agency [Member]
Business Acquisition [Line Items]
Goodwill acquired		$ 696

DEPOSITS (Details)

DEPOSITS (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Summary of deposits [Abstract]
Savings accounts	$ 80,139	$ 73,540
Time accounts	132,007	111,250
Time accounts of $250,000 or more	57,349	35,213
Money management accounts	14,718	14,081
MMDA accounts	192,692	146,862
Demand deposit interest-bearing	53,587	42,758
Demand deposit noninterest-bearing	75,282	61,679
Mortgage escrow funds	5,209	4,932
Total deposits	610,983	490,315
Maturities of time deposits [Abstract]
2,017	119,945
2,018	38,693
2,019	8,774
2,020	14,313
2,021	4,770
Thereafter	2,861
Total	189,356
Non-Brokered [Member]
Summary of deposits [Abstract]
Savings accounts	80,139	73,540
Time accounts	89,200	78,234
Time accounts of $250,000 or more	57,349	35,213
Money management accounts	14,718	14,081
MMDA accounts	105,755	99,187
Demand deposit interest-bearing	53,587	42,758
Demand deposit noninterest-bearing	75,282	61,679
Mortgage escrow funds	5,209	4,932
Total deposits	481,239	409,624
Brokered [Member]
Summary of deposits [Abstract]
Savings accounts	0	0
Time accounts	42,807	33,016
Time accounts of $250,000 or more	0	0
Money management accounts	0	0
MMDA accounts	86,937	47,675
Demand deposit interest-bearing	0	0
Demand deposit noninterest-bearing	0	0
Mortgage escrow funds	0	0
Total deposits	$ 129,744	$ 80,691

BORROWED FUNDS (Details)

BORROWED FUNDS (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Short-term [Abstract]
Deferred fees hedging	$ (53)	$ 0
Total short-term borrowings	41,947	24,800
Long-term [Abstract]
Total Long-term borrowings	17,000	16,500
Advances with FHLB [Abstract]
due within 1 year	7,000
due within 2 years	2,000
due within 10 years	8,000
Total advances with FHLB	17,000
Total long-term fixed rate borrowings	$ 17,000	16,500
Federal Home Loan Bank advances interest rate [Abstract]
due within 2 years interest rate	1.04%
Long-term Debt, Fiscal Year Maturity [Abstract]
2,017	$ 7,000
2,018	2,000
2,019	5,000
2,020	1,000
2,021	0
Thereafter	2,000
Total long-term fixed rate borrowings	$ 17,000	16,500
Minimum [Member]
Federal Home Loan Bank advances interest rate [Abstract]
due within 1 year interest rate	0.78%
due within 10 years interest rate	1.16%
Maximum [Member]
Federal Home Loan Bank advances interest rate [Abstract]
due within 1 year interest rate	2.56%
due within 10 years interest rate	2.55%
FHLB Advances [Member]
Short-term [Abstract]
Total short-term borrowings	$ 42,000	24,800
Long-term [Abstract]
Total Long-term borrowings	17,000	16,500
Advances with FHLB [Abstract]
Total long-term fixed rate borrowings	17,000	16,500
Long-term Debt, Fiscal Year Maturity [Abstract]
Total long-term fixed rate borrowings	17,000	$ 16,500
Carrying value of residential mortgage loans pledged under a blanket collateral agreement	140,300
Carrying value of FHLB stock pledged under a blanket collateral agreement	$ 3,300

BORROWED FUNDS, LINES OF CREDIT

BORROWED FUNDS, LINES OF CREDIT (Details) - Domestic Line of Credit [Member] $ in Millions	Dec. 31, 2016USD ($)Bank
Federal Reserve Bank of New York [Member]
Line of Credit Facility [Line Items]
Maximum borrowing capacity	$ 12.9
Other Corresponding Banks [Member]
Line of Credit Facility [Line Items]
Maximum borrowing capacity	$ 14.4
Number of corresponding banks with a line of credit available | Bank	3
Maximum borrowing capacity, unsecured basis	$ 9.4
Maximum borrowing capacity, requiring collateral	$ 5

SUBORDINATED LOANS (Details)

SUBORDINATED LOANS (Details) - USD ($) $ in Thousands	Oct. 15, 2015	Dec. 31, 2016	Mar. 01, 2016	Feb. 29, 2016	Dec. 31, 2015
Debt Instrument [Line Items]
Subordinated loan face value		$ 5,000
Long-term Debt, Fiscal Year Maturity [Abstract]
2,017		7,000
2,018		2,000
2,019		5,000
2,020		1,000
2,021		0
Thereafter		2,000
Junior Subordinated Debentures [Member]
Debt Instrument [Line Items]
Total subordinated loans		5,155			$ 5,155
Maturities of Subordinated Debt [Abstract]
Total subordinated loans		5,155			5,155
Long-term Debt, Fiscal Year Maturity [Abstract]
Total subordinated loans		$ 5,155			5,155
Junior Subordinated Debentures [Member] | Pathfinder Statutory Trust II [Member]
Debt Instrument [Line Items]
Ownership interest		100.00%
Subordinated loan face value		$ 5,000
Term of debt		30 years
Maturity date		Dec. 31, 2037
Effective interest rate		2.65%
Call provision on trust securities		5 years
Junior Subordinated Debentures [Member] | 3-Month LIBOR [Member] | Pathfinder Statutory Trust II [Member]
Debt Instrument [Line Items]
Debt instrument, term of variable rate		3 months
Interest rate		1.00%
Basis spread on variable rate		1.65%
Maturities of Subordinated Debt, Interest rate [Abstract]
due within 21 years		1.65%
Subordinated Loan [Member]
Debt Instrument [Line Items]
Total subordinated loans		$ 9,870			9,836
Maturities of Subordinated Debt [Abstract]
Total subordinated loans		9,870			9,836
Long-term Debt, Fiscal Year Maturity [Abstract]
Total subordinated loans		9,870			9,836
Subordinated Debt [Member]
Debt Instrument [Line Items]
Subordinated loan face value	$ 10,000	$ 10,000
Maturity date		Oct. 1, 2025
Effective interest rate		6.44%
Subordinated loan interest rate		6.25%	6.25%	3.50%
Origination and legal fees	$ 172
Total subordinated loans		$ 15,025			14,991
Maturities of Subordinated Debt [Abstract]
due within 10 years		9,870
due within 21 years		5,155
Total subordinated loans		$ 15,025			14,991
Maturities of Subordinated Debt, Interest rate [Abstract]
due within 10 years		6.48%
Long-term Debt, Fiscal Year Maturity [Abstract]
2,017		$ 0
2,018		0
2,019		0
2,020		0
2,021		0
Thereafter		15,025
Total subordinated loans		$ 15,025			$ 14,991
Subordinated Debt [Member] | 3-Month LIBOR [Member]
Debt Instrument [Line Items]
Basis spread on variable rate		1.65%
Maturities of Subordinated Debt, Interest rate [Abstract]
due within 21 years		1.65%

EMPLOYEE BENEFITS AND DEFERRE75

EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS, Changes in the Plans' Benefit Obligations, Fair Value of Plan Assets and the Plans' Funded Status (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Defined Benefit Plans and Other Postretirement Benefit Plans [Line Items]
Minimum years of service to participate in the health and life insurance benefits as of January 1, 1995	14 years
Gains or losses greater of the benefit obligation or the fair value of assets amortized over the average remaining service period	10.00%
Amounts Recognized in Accumulated Other Comprehensive Loss [Abstract]
Accumulated other comprehensive income after tax	$ 1,513	$ 1,844
Pension Benefits [Member]
Change in Benefit Obligation [Roll Forward]
Benefit obligation at beginning of year	9,319	9,679
Service cost	0	0
Interest cost	464	468
Actuarial gain	(231)	(586)
Benefits paid	(229)	(242)
Benefit obligation at end of year	9,323	9,319
Change in Plan Assets [Roll Forward]
Fair value of plan assets at beginning of year	12,808	13,125
Actual return on plan assets	1,055	(75)
Benefits paid	(229)	(242)
Employer contributions	0	0
Fair value of plan assets at end of year	13,634	12,808
Funded status - asset (liability)	4,311	3,489
Amounts Recognized in Accumulated Other Comprehensive Loss [Abstract]
Net loss/(gain)	2,685	3,245
Tax Effect	1,074	1,298
Accumulated other comprehensive income after tax	1,611	1,947
Postretirement Benefits [Member]
Change in Benefit Obligation [Roll Forward]
Benefit obligation at beginning of year	159	356
Service cost	0	0
Interest cost	8	17
Actuarial gain	0	(201)
Benefits paid	(13)	(13)
Benefit obligation at end of year	154	159
Change in Plan Assets [Roll Forward]
Fair value of plan assets at beginning of year	0	0
Actual return on plan assets	0	0
Benefits paid	(13)	(13)
Employer contributions	13	13
Fair value of plan assets at end of year	0	0
Funded status - asset (liability)	(154)	(159)
Amounts Recognized in Accumulated Other Comprehensive Loss [Abstract]
Net loss/(gain)	(165)	(172)
Tax Effect	(66)	(69)
Accumulated other comprehensive income after tax	$ (99)	$ (103)

EMPLOYEE BENEFITS AND DEFERRE76

EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS, Benefit Obligation and Net Periodic Cost Assumptions, and Net Periodic Benefit Plan Cost (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2016USD ($)Fund	Dec. 31, 2015USD ($)Fund
Significant Assumptions Used in Determining Net Periodic Benefit Plan Cost [Abstract]
Long-term inflation rate	2.50%
Target Allocations [Abstract]
Number of funds in which plan assets invested | Fund	4
Asset rebalancing threshold	10.00%
Policy range guideline	10.00%
Mutual Funds - Fixed Income Intermediate duration [Member]
Target Allocations [Abstract]
Target plan asset allocations - well-funded	16.00%
Estimated retirement life of assets in the trust	30 years
Mutual Funds-Fixed Income Long Duration [Member]
Target Allocations [Abstract]
Target plan asset allocations - well-funded	35.00%
Estimated retirement life of assets in the trust	30 years
Long/Short Equity Funds [Member]
Target Allocations [Abstract]
Number of funds in which plan assets invested | Fund	3	3
Equities [Member]
Target Allocations [Abstract]
Target plan asset allocations - well-funded	65.00%
Fixed Income Securities [Member]
Target Allocations [Abstract]
Target plan asset allocations - well-funded	35.00%
Equity Securities [Member]
Target Allocations [Abstract]
Target plan asset allocations - well-funded	38.00%
Estimated retirement life of assets in the trust	30 years
Alternative Asset fund [Member]
Target Allocations [Abstract]
Target plan asset allocations - well-funded	10.00%
Cash Equivalents [Member]
Target Allocations [Abstract]
Target plan asset allocations - well-funded	1.00%
Pension Benefits [Member]
Significant Assumptions Used in Determining Benefit Obligations [Abstract]
Weighted average discount rate	5.15%	5.05%
Rate of increase in future compensation levels	0.00%	0.00%
Composition of Net Periodic Benefit Plan Cost [Abstract]
Service cost	$ 0	$ 0
Interest cost	464	468
Expected return on plan assets	(951)	(975)
Amortization of transition obligation	0	0
Amortization of net losses/(gains)	226	180
Amortization of unrecognized past service liability	0	0
Net periodic benefit plan (benefit) cost	$ (261)	$ (327)
Significant Assumptions Used in Determining Net Periodic Benefit Plan Cost [Abstract]
Weighted average discount rate	5.05%	4.90%
Expected long term rate of return on plan assets	7.50%	7.50%
Rate of increase in future compensation levels	0.00%	0.00%
Expected long term rate of return on plan assets - 2017	7.00%
Expected net periodic benefit cost in next fiscal year	$ 318
Pension Benefits [Member] | Minimum [Member] | Fixed Income Securities [Member]
Significant Assumptions Used in Determining Net Periodic Benefit Plan Cost [Abstract]
Real rate of return on assets assumption	3.00%
Pension Benefits [Member] | Minimum [Member] | Equity Securities [Member]
Significant Assumptions Used in Determining Net Periodic Benefit Plan Cost [Abstract]
Expected long term rate of return on plan assets	5.00%
Real rate of return on assets assumption	6.00%
Pension Benefits [Member] | Maximum [Member] | Fixed Income Securities [Member]
Significant Assumptions Used in Determining Net Periodic Benefit Plan Cost [Abstract]
Real rate of return on assets assumption	5.00%
Pension Benefits [Member] | Maximum [Member] | Equity Securities [Member]
Significant Assumptions Used in Determining Net Periodic Benefit Plan Cost [Abstract]
Expected long term rate of return on plan assets	7.00%
Real rate of return on assets assumption	8.00%
Postretirement Benefits [Member]
Significant Assumptions Used in Determining Benefit Obligations [Abstract]
Weighted average discount rate	5.32%	5.23%
Rate of increase in future compensation levels	0.00%	0.00%
Composition of Net Periodic Benefit Plan Cost [Abstract]
Service cost	$ 0	$ 0
Interest cost	8	17
Expected return on plan assets	0	0
Amortization of transition obligation	0	0
Amortization of net losses/(gains)	(3)	5
Amortization of unrecognized past service liability	(5)	(5)
Net periodic benefit plan (benefit) cost	$ 0	$ 17
Significant Assumptions Used in Determining Net Periodic Benefit Plan Cost [Abstract]
Weighted average discount rate	5.23%	4.98%
Expected long term rate of return on plan assets	0.00%	0.00%
Rate of increase in future compensation levels	0.00%	0.00%
Expected net periodic benefit cost in next fiscal year	$ 318
Postretirement Health Care Plan [Member]
Assumed Health Care Cost Trend Rates [Abstract]
Health care cost trend rate assumption	6.25%
Ultimate health care cost trend rate	5.00%
Year that rate reaches ultimate trend rate	2,022
Significant Assumptions Used in Determining Net Periodic Benefit Plan Cost [Abstract]
Decrease in expected long-term rate of return in basis points	50.00%
Decrease in expected long-term rate of return	$ 42
Amounts that will be amortized from accumulated other comprehensive income (loss) in next fiscal year	154
Estimated amortization of the unrecognized transition obligation and actuarial gain in next fiscal year	$ 3

EMPLOYEE BENEFITS AND DEFERRE77

EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS, Pension Plan Assets Fair Value (Details) $ in Thousands		12 Months Ended
		Dec. 31, 2016USD ($)FundStock	Dec. 31, 2015USD ($)FundStock	Dec. 31, 2014USD ($)
Target Allocations [Abstract]
Number of funds in which plan assets invested | Fund		4
Minimum [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Approximate or typical number of stocks held in the portfolio | Stock		60	60
Maximum [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Approximate or typical number of stocks held in the portfolio | Stock		70	70
Mutual Funds - Equity - Small-cap Core [Member] | Maximum [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Market capitalizations		10.00%	10.00%
Mutual Funds Fixed Income US Core [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Number of investments in fund assets in investment grade fixed income securities | Fund		2	2
Mutual Funds Fixed Income US Core [Member] | Maximum [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Percentage of fund assets in investment grade fixed income securities		80.00%	80.00%
Percentage of target investments in mortgage-backed securities		50.00%	50.00%
Mutual Funds - Fixed Income Intermediate duration [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Assets category consist of number of funds | Fund		3	3
Mutual Funds - Fixed Income Intermediate duration [Member] | Minimum [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Maturity Period of debt security		5 years	5 years
Mutual Funds - Fixed Income Intermediate duration [Member] | Maximum [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Maturity Period of debt security		20 years	20 years
Mutual Funds-Fixed Income Long Duration [Member] | Minimum [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Maturity Period of debt security		20 years	20 years
Long/Short Equity Funds [Member]
Target Allocations [Abstract]
Number of funds in which plan assets invested | Fund		3	3
Pension Benefits [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets		$ 13,634	$ 12,808	$ 13,125
Pension Benefits [Member] | Level 1 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets		70	72
Pension Benefits [Member] | Level 2 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets		13,564	12,736
Pension Benefits [Member] | Level 3 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets		0	0
Pension Benefits [Member] | Mutual Funds - Equity - Large-cap Value [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[1]	958	696
Pension Benefits [Member] | Mutual Funds - Equity - Large-cap Value [Member] | Level 1 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[1]	0	0
Pension Benefits [Member] | Mutual Funds - Equity - Large-cap Value [Member] | Level 2 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[1]	958	696
Pension Benefits [Member] | Mutual Funds - Equity - Large-cap Value [Member] | Level 3 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[1]	0	0
Pension Benefits [Member] | Mutual Funds - Equity - Mid-cap Value [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[2]	204	166
Pension Benefits [Member] | Mutual Funds - Equity - Mid-cap Value [Member] | Level 1 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[2]	0	0
Pension Benefits [Member] | Mutual Funds - Equity - Mid-cap Value [Member] | Level 2 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[2]	204	166
Pension Benefits [Member] | Mutual Funds - Equity - Mid-cap Value [Member] | Level 3 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[2]	0	0
Pension Benefits [Member] | Mutual Funds - Equity - Small-cap Value [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[3]	167	119
Pension Benefits [Member] | Mutual Funds - Equity - Small-cap Value [Member] | Level 1 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[3]	0	0
Pension Benefits [Member] | Mutual Funds - Equity - Small-cap Value [Member] | Level 2 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[3]	167	119
Pension Benefits [Member] | Mutual Funds - Equity - Small-cap Value [Member] | Level 3 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[3]	0	0
Pension Benefits [Member] | Mutual Funds - Equity - Large-cap Growth [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[4]	860	783
Pension Benefits [Member] | Mutual Funds - Equity - Large-cap Growth [Member] | Level 1 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[4]	0	0
Pension Benefits [Member] | Mutual Funds - Equity - Large-cap Growth [Member] | Level 2 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[4]	860	783
Pension Benefits [Member] | Mutual Funds - Equity - Large-cap Growth [Member] | Level 3 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[4]	0	0
Pension Benefits [Member] | Mutual Funds - Equity - Mid-Cap Growth [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[5]	186	163
Pension Benefits [Member] | Mutual Funds - Equity - Mid-Cap Growth [Member] | Level 1 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[5]	0	0
Pension Benefits [Member] | Mutual Funds - Equity - Mid-Cap Growth [Member] | Level 2 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[5]	186	163
Pension Benefits [Member] | Mutual Funds - Equity - Mid-Cap Growth [Member] | Level 3 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[5]	0	0
Pension Benefits [Member] | Mutual Funds - Equity - Small-cap Growth [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[6]	140	117
Pension Benefits [Member] | Mutual Funds - Equity - Small-cap Growth [Member] | Level 1 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[6]	0	0
Pension Benefits [Member] | Mutual Funds - Equity - Small-cap Growth [Member] | Level 2 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[6]	140	117
Pension Benefits [Member] | Mutual Funds - Equity - Small-cap Growth [Member] | Level 3 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[6]	0	0
Pension Benefits [Member] | Mutual Funds - Equity - Large-cap Core [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[7]	609	510
Pension Benefits [Member] | Mutual Funds - Equity - Large-cap Core [Member] | Level 1 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[7]	0	0
Pension Benefits [Member] | Mutual Funds - Equity - Large-cap Core [Member] | Level 2 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[7]	609	510
Pension Benefits [Member] | Mutual Funds - Equity - Large-cap Core [Member] | Level 3 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[7]	0	0
Pension Benefits [Member] | Mutual Funds - Equity - Mid-cap Core [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[8]	209	162
Pension Benefits [Member] | Mutual Funds - Equity - Mid-cap Core [Member] | Level 1 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[8]	0	0
Pension Benefits [Member] | Mutual Funds - Equity - Mid-cap Core [Member] | Level 2 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[8]	209	162
Pension Benefits [Member] | Mutual Funds - Equity - Mid-cap Core [Member] | Level 3 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[8]	0	0
Pension Benefits [Member] | Mutual Funds - Equity - Small-cap Core [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[9]	312	238
Pension Benefits [Member] | Mutual Funds - Equity - Small-cap Core [Member] | Level 1 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[9]	0	0
Pension Benefits [Member] | Mutual Funds - Equity - Small-cap Core [Member] | Level 2 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[9]	312	238
Pension Benefits [Member] | Mutual Funds - Equity - Small-cap Core [Member] | Level 3 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[9]	0	0
Pension Benefits [Member] | International Equity [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[10]	1,131	996
Pension Benefits [Member] | International Equity [Member] | Level 1 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[10]	0	0
Pension Benefits [Member] | International Equity [Member] | Level 2 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[10]	1,131	996
Pension Benefits [Member] | International Equity [Member] | Level 3 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[10]	0	0
Pension Benefits [Member] | Mutual Funds Fixed Income US Core [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[11]	1,695	1,578
Pension Benefits [Member] | Mutual Funds Fixed Income US Core [Member] | Level 1 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[11]	0	0
Pension Benefits [Member] | Mutual Funds Fixed Income US Core [Member] | Level 2 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[11]	1,695	1,578
Pension Benefits [Member] | Mutual Funds Fixed Income US Core [Member] | Level 3 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[11]	0	0
Pension Benefits [Member] | Mutual Funds - Fixed Income Intermediate duration [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[12]	2,932	2,865
Pension Benefits [Member] | Mutual Funds - Fixed Income Intermediate duration [Member] | Level 1 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[12]	0	0
Pension Benefits [Member] | Mutual Funds - Fixed Income Intermediate duration [Member] | Level 2 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[12]	2,932	2,865
Pension Benefits [Member] | Mutual Funds - Fixed Income Intermediate duration [Member] | Level 3 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[12]	0	0
Pension Benefits [Member] | Mutual Funds-Fixed Income Long Duration [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[13]	2,474	2,347
Pension Benefits [Member] | Mutual Funds-Fixed Income Long Duration [Member] | Level 1 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[13]	0	0
Pension Benefits [Member] | Mutual Funds-Fixed Income Long Duration [Member] | Level 2 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[13]	2,474	2,347
Pension Benefits [Member] | Mutual Funds-Fixed Income Long Duration [Member] | Level 3 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[13]	0	0
Pension Benefits [Member] | Long/Short Equity Funds [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[14]	1,165	1,793
Pension Benefits [Member] | Long/Short Equity Funds [Member] | Level 1 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[14]	0	0
Pension Benefits [Member] | Long/Short Equity Funds [Member] | Level 2 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[14]	1,165	1,793
Pension Benefits [Member] | Long/Short Equity Funds [Member] | Level 3 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[14]	0	0
Pension Benefits [Member] | Company Common Stock [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets		0	0
Pension Benefits [Member] | Company Common Stock [Member] | Level 1 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets		0	0
Pension Benefits [Member] | Company Common Stock [Member] | Level 2 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets		0	0
Pension Benefits [Member] | Company Common Stock [Member] | Level 3 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets		0	0
Pension Benefits [Member] | Equities [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets		4,776	3,950
Pension Benefits [Member] | Equities [Member] | Level 1 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets		0	0
Pension Benefits [Member] | Equities [Member] | Level 2 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets		4,776	3,950
Pension Benefits [Member] | Equities [Member] | Level 3 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets		0	0
Pension Benefits [Member] | Fixed Income Securities [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets		7,101	6,790
Pension Benefits [Member] | Fixed Income Securities [Member] | Level 1 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets		0	0
Pension Benefits [Member] | Fixed Income Securities [Member] | Level 2 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets		7,101	6,790
Pension Benefits [Member] | Fixed Income Securities [Member] | Level 3 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets		0	0
Pension Benefits [Member] | Cash Equivalents-Money Market [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[15]	592	275
Pension Benefits [Member] | Cash Equivalents-Money Market [Member] | Level 1 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[15]	70	72
Pension Benefits [Member] | Cash Equivalents-Money Market [Member] | Level 2 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[15]	522	203
Pension Benefits [Member] | Cash Equivalents-Money Market [Member] | Level 3 [Member]
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets	[15]	0	0
Postretirement Benefits [Member]
Target Allocations [Abstract]
Estimated future employer contributions in next fiscal year		13
Pension Plan Assets Measured at Fair Value [Abstract]
Fair value of plan assets		$ 0	$ 0	$ 0
[1]	This category contains large-cap stocks with above-average yield. The portfolio typically holds between 60 and 70 stocks.
[2]	This category employs an indexing investment approach designed to track the performance of the CRSP US Mid-Cap Value Index.
[3]	This category consists of a selection of investments based on the Russell 2000 Value Index.
[4]	This category seeks long-term capital appreciation by investing primarily in large growth companies based in the U.S.
[5]	This category employs an indexing investment approach designed to track the performance of the CRSP US Mid-Cap Growth Index.
[6]	This category consists of a selection of investments based on the Russell 2000 Growth Index.
[7]	This fund tracks the performance of the S&P 500 index by purchasing the securities represented in the index in approximately the same weightings as the index.
[8]	This category seeks to track the performance of the S&P Midcap 400 Index.
[9]	This category consists of an index fund designed to track the Russell 2000, along with a fund investing in readily marketable securities of U.S. companies with market capitalizations within the smallest 10% of the market universe, or smaller than the 1000th largest US company.
[10]	This category has investments in medium to large non-US companies, including high quality, durable growth companies and companies based in countries with stable economic and political systems. A portion of this category consists of an index fund designed to track the MSC ACWI ex-US Net Dividend Return Index.
[11]	This category currently includes equal investments in three mutual funds, two of which usually hold at least 80% of fund assets in investment grade fixed income securities, seeking to outperform the Barclays US Aggregate Bond Index while maintaining a similar duration to that index. The third fund targets investments of 50% or more in mortgage-backed securities guaranteed by the US government and its agencies.
[12]	This category consists mostly of a fund which seeks to track the Barclays Capital US Corporate A or Better 5-20 Year, Bullets only Index, along with a diversified mutual fund holding fixed income securities rated A or better.
[13]	This category consists of a fund that seeks to approximate the performance of the Barclays Capital US Corporate A or Better, 20+ Year Bullets Only Index over the long term.
[14]	This category currently invests in three long/short equity hedge funds.
[15]	Includes cash equivalents investments in equity and fixed income strategies

EMPLOYEE BENEFITS AND DEFERRE78

EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS, Expected Benefit Payments (Details) $ in Thousands	Dec. 31, 2016USD ($)
Expected Benefit Payments [Abstract]
2,017	$ 279
2,018	295
2,019	305
2,020	325
2,021	341
Years 2022-2026	2,235
Pension Benefits [Member]
Expected Benefit Payments [Abstract]
2,017	266
2,018	282
2,019	292
2,020	312
2,021	329
Years 2022-2026	2,175
Postretirement Benefits [Member]
Expected Benefit Payments [Abstract]
2,017	13
2,018	13
2,019	13
2,020	13
2,021	12
Years 2022-2026	$ 60

EMPLOYEE BENEFITS AND DEFERRE79

EMPLOYEE BENEFITS AND DEFERRED COMPENSATION AND SUPPLEMENTAL RETIREMENT PLANS, Other Plans (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2016USD ($)Payment	Dec. 31, 2015USD ($)
401 (k) Plan [Abstract]
Employer contribution to 401 (k) plan	$ 300	$ 269
Additional safe harbor contribution	$ 219
Deferred Compensation Arrangement with Individual, Excluding Share-based Payments and Postretirement Benefits [Line Items]
Period for additional annual contributions following change in control	24 months
Period for benefit payment in the event of death, disability or termination following change in control	24 months
Number of years the Bank is required to make additional annual contributions	3 years
Number of annual installments for benefit payments | Payment	10
Directors and Certain Executive Officers [Member]
Deferred Compensation Arrangement with Individual, Excluding Share-based Payments and Postretirement Benefits [Line Items]
Deferred compensation benefit payments age	65 years
Maximum contractual term	10 years
Requisite service period	5 years
Liability related to deferred compensation	$ 2,400	2,200
Deferred compensation expense	339	310
Supplemental Executive Retirement Plans [Member]
Target Allocations [Abstract]
Other accrued liabilities	473
Compensation expense	0	4
Cash surrender value of life insurance	11,500	10,600
Supplemental Executive Retirement Plans [Member] | Retired CEO [Member]
Target Allocations [Abstract]
Other accrued liabilities	$ 0	$ 15

STOCK BASED COMPENSATION PLAN80

STOCK BASED COMPENSATION PLANS (Details) $ / shares in Units, $ in Thousands	Oct. 16, 2014	Dec. 31, 2016USD ($)ExecutiveOfficerDirectorOfficerSeniorOfficer$ / sharesshares	Dec. 31, 2015USD ($)Director$ / sharesshares	Dec. 31, 2014$ / sharesshares	Dec. 31, 2013Director$ / sharesshares	Dec. 31, 2011DirectorSeniorVicePresident$ / sharesshares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Ratio of conversion of shares	1.6472
Stock Options [Member]
Fair Value Assumptions [Abstract]
Compensation expense | $		$ 264	$ 85
Estimated Future Compensation Expense [Abstract]
Estimated future compensation expense, 2017 | $		328
Estimated future compensation expense, 2018 | $		323
Estimated future compensation expense, 2019 | $		316
Estimated future compensation expense, 2020 | $		314
Estimated future compensation expense, 2021 | $		176
Estimated future compensation expense, 2022 | $		113
Estimated future compensation expense, 2023 | $		$ 38
Stock Options Outstanding [Roll Forward]
Outstanding at beginning of period (in shares)		185,000	170,000
Granted (in shares)		264,000	17,000
Newly vested (in shares)		0	0
Exercised (in shares)		(26,000)	(2,000)
Expired (in shares)		0	0
Outstanding at end of period (in shares)		423,000	185,000	170,000
Weighted Average Exercise Price [Roll Forward]
Outstanding at beginning of period (in dollars per share) | $ / shares		$ 5.75	$ 5.75
Granted (in dollars per share) | $ / shares		11.25	11.09
Newly vested (in dollars per share) | $ / shares		6.21	5.75
Exercised (in dollars per share) | $ / shares		0	0
Expired (in dollars per share) | $ / shares		0	0
Outstanding at end of period (in dollars per share) | $ / shares		$ 6.21	$ 5.75	$ 5.75
Options, Additional Disclosures [Abstract]
Options exercisable at beginning of period (in shares)		128,000	95,000
Options exercisable, Granted (in shares)		0	0
Options exercisable, Newly vested (in shares)		37,000	35,000
Options exercisable, Exercised (in shares)		(26,000)	(2,000)
Options exercisable, Expired (in shares)		0	0
Options exercisable at end of period (in shares)		139,000	128,000	95,000
Intrinsic value of options exercised | $		$ 1,700	$ 1,200
Options exercisable, weighted average exercise price (in dollars per share) | $ / shares		$ 5.80
Weighted average remaining contractual term - options outstanding		4 years 8 months 12 days
April 2010 Stock Option Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Ratio of conversion of shares				1.6472
Number of shares authorized (in shares)						247,080
April 2010 Stock Option Plan [Member] | Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period		5 years	5 years		5 years	5 years
Award annual vesting		20.00%	20.00%		20.00%	20.00%
Term of award		10 years	10 years		10 years	10 years
Fair Value Assumptions [Abstract]
Risk free interest rate		1.60%	1.90%		2.00%	2.20%
Expected volatility rate		0.32%	0.23%		0.45%	0.45%
Expected life		7 years	7 years		7 years	7 years
Expected dividend yield		1.55%	1.40%		1.00%	1.49%
Weighted average fair value of options granted (in dollars per share) | $ / shares		$ 3.17	$ 2.56		$ 3.69	$ 2.29
April 2010 Stock Option Plan [Member] | Stock Options [Member] | Directors [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of stock awards beneficiaries | Director			2		2	9
Stock Options Outstanding [Roll Forward]
Granted (in shares)			16,472		16,472	74,124
April 2010 Stock Option Plan [Member] | Stock Options [Member] | Chief Executive Officer And Senior Vice President [Member]
Stock Options Outstanding [Roll Forward]
Granted (in shares)						123,540
April 2010 Stock Option Plan [Member] | Stock Options [Member] | Officers [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of stock awards beneficiaries | Officer		3
Stock Options Outstanding [Roll Forward]
Granted (in shares)		47,768
April 2010 Stock Option Plan [Member] | Stock Options [Member] | Senior Vice President [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of stock awards beneficiaries | SeniorVicePresident						4
April 2010 Stock Option Plan [Member] | Stock Options [Member] | Senior Officer [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of stock awards beneficiaries | Director		1
May 2016 Stock Option Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized (in shares)		263,605
May 2016 Stock Option Plan [Member] | Stock Options [Member] | Directors [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of stock awards beneficiaries | Director		9
Stock Options Outstanding [Roll Forward]
Granted (in shares)		79,083
May 2016 Stock Option Plan [Member] | Stock Options [Member] | Officers [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of stock awards beneficiaries | Officer		13
Stock Options Outstanding [Roll Forward]
Granted (in shares)		44,812
May 2016 Stock Option Plan [Member] | Stock Options [Member] | Chief Executive Officer, Executive Officers and Senior Officer [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period		7 years
Award annual vesting		14.28%
Term of award		10 years
Fair Value Assumptions [Abstract]
Risk free interest rate		1.70%
Expected volatility rate		0.32%
Expected life		7 years
Expected dividend yield		1.55%
Weighted average fair value of options granted (in dollars per share) | $ / shares		$ 3.59
May 2016 Stock Option Plan [Member] | Stock Options [Member] | Executive Officers [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of stock awards beneficiaries | ExecutiveOfficer		2
May 2016 Stock Option Plan [Member] | Stock Options [Member] | Directors and Officers [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period		5 years
Award annual vesting		20.00%
Term of award		10 years
Fair Value Assumptions [Abstract]
Risk free interest rate		1.60%
Expected volatility rate		0.32%
Expected life		7 years
Expected dividend yield		1.55%
Weighted average fair value of options granted (in dollars per share) | $ / shares		$ 3.32
May 2016 Stock Option Plan [Member] | Stock Options [Member] | Senior Officer [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of stock awards beneficiaries | SeniorOfficer		3
Fair Value Assumptions [Abstract]
Number of beneficiaries whose award vest upon retirement | SeniorOfficer		1
May 2016 Stock Option Plan [Member] | Stock Options [Member] | Chief Executive Officer [Member]
Stock Options Outstanding [Roll Forward]
Granted (in shares)		92,261
May 2016 Restricted Stock Awards [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized (in shares)		105,442
May 2016 Restricted Stock Awards [Member] | Stock Options [Member] | Chief Executive Officer, Executive Officers and Senior Officer [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period		7 years
Award annual vesting		14.28%
Stock Options Outstanding [Roll Forward]
Granted (in shares)		46,570
May 2016 Restricted Stock Awards [Member] | Stock Options [Member] | Executive Officers [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of stock awards beneficiaries | ExecutiveOfficer		2
May 2016 Restricted Stock Awards [Member] | Stock Options [Member] | Senior Officer [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of stock awards beneficiaries | SeniorOfficer		3
Fair Value Assumptions [Abstract]
Number of beneficiaries whose award vest upon retirement | SeniorOfficer		1
May 2016 Restricted Stock Awards [Member] | Restricted Stock Awards [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period		5 years
Award annual vesting		20.00%
May 2016 Restricted Stock Awards [Member] | Restricted Stock Awards [Member] | Directors [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of stock awards beneficiaries | Director		9
Stock Options Outstanding [Roll Forward]
Granted (in shares)		31,635
May 2016 Restricted Stock Awards [Member] | Restricted Stock Awards [Member] | Officers [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of stock awards beneficiaries | Officer		2
Stock Options Outstanding [Roll Forward]
Granted (in shares)		8,436

EMPLOYEE STOCK OWNERSHIP PLAN (

EMPLOYEE STOCK OWNERSHIP PLAN (Details) - ESOP [Member] - USD ($) $ in Thousands	1 Months Ended	12 Months Ended
	Jul. 31, 2011	Dec. 31, 2016	Dec. 31, 2015
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]
Loan	$ 1,100
Shares purchased (in shares)	125,000	105,442
Term of loan repayment		10 years
Basis spread on variable rate		1.00%
Number of shares from refinanced loan (in shares)		138,982.5
Number of shares from new loan (in shares)		244,424.5
Fixed interest rate		3.25%
Award annual vesting		20.00%
Compensation expense		$ 333	$ 305
Dividends on unallocated shares		$ 40	$ 36
Unearned ESOP shares (in shares)		189,429
Fair value of unearned ESOP shares		$ 2,600

INCOME TAXES (Details)

INCOME TAXES (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Income Tax Expense [Abstract]
Current	$ 1,360	$ 955
Deferred	(249)	116
Income tax expense	1,111	1,071
Income Tax Expense by Jurisdiction [Abstract]
Federal Income Tax	980	929
State Tax	131	142
Income tax expense	1,111	1,071
Assets [Abstract]
Deferred compensation	912	858
Allowance for loan losses	2,392	2,185
Postretirement benefits	56	61
Subordinated loan interest	37	0
Investment securities and financial derivative	1,229	0
Impairment losses on investment securities	88	155
Loan origination fees	184	66
Capital loss carryforward	62	120
Held-to-maturity securities	310	417
Other	166	121
Total	5,436	3,983
Liabilities [Abstract]
Prepaid Pension	(1,605)	(1,336)
Depreciation	(1,083)	(1,011)
Accretion	(211)	(145)
Loan origination fees	0	0
Intangible assets	(1,470)	(1,470)
Investment securities and financial derivative	0	(21)
Mortgage servicing rights	(15)	(20)
Prepaid expenses and transaction fees	(204)	(97)
Total	(4,588)	(4,100)
Net deferred tax assets	848	(117)
Less: deferred tax asset valuation allowance	(150)	(265)
Net deferred tax asset	698
Net deferred tax (liability)		$ (382)
Decrease in valuation allowance	$ (115)
Reconciliation of the Federal Statutory Income Tax Rate to the Effective Income Tax Rate [Abstract]
Federal statutory income tax rate	34.00%	34.00%
State tax, net of federal benefit	1.90%	2.30%
Tax-exempt interest income	(8.60%)	(8.10%)
Increase in value of bank owned life insurance less premium paid	(2.00%)	(3.00%)
Change in valuation allowance	(2.60%)	(4.80%)
Other	2.50%	6.40%
Effective income tax rate	25.20%	26.80%

COMMITMENTS AND CONTINGENCIES83

COMMITMENTS AND CONTINGENCIES (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Loan commitments outstanding with fixed interest rates	$ 7,800
Loan commitments, unused lines of credit and standby letters of credit with variable interest rates	$ 89,400
Term of letters of credit, maximum	1 year
Renewal options for leases, maximum	30 years
Rent expense	$ 149	$ 135
Future Minimum Rental Commitments for Non-cancelable Operating Leases [Abstract]
2,017	147
2,018	105
2,019	62
2,020	56
2,021	31
Thereafter	293
Total minimum lease payments	694
Commitments to Grant Loans [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contractual obligation	46,649	20,168
Unfunded Commitments Under Lines Of Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contractual obligation	48,653	34,469
Unfunded Commitments Related to Construction Loans in Progress [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contractual obligation	5,918	5,726
Standby Letters of Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contractual obligation	$ 1,900	$ 1,884

DIVIDENDS AND RESTRICTIONS (Det

DIVIDENDS AND RESTRICTIONS (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
DIVIDENDS AND RESTRICTIONS [Abstract]
Retained earnings legally available to pay dividends	$ 10.4
Proceeds from dividends received	$ 0	$ 0	$ 0

REGULATORY MATTERS (Details)

REGULATORY MATTERS (Details) - USD ($) $ / shares in Units, $ in Thousands	Feb. 16, 2016	Oct. 02, 2011	Dec. 31, 2016	Dec. 31, 2015	Oct. 15, 2015	Dec. 31, 2011	Sep. 01, 2011
Actual Amount [Abstract]
Total core capital (to risk-weighted assets)			$ 72,098	$ 67,286
Tier 1 capital (to risk-weighted assets)			66,003	62,038
Tier 1 common equity (to risk-weighted assets)			66,003	62,038
Tier 1 capital (to assets)			$ 66,003	$ 62,038
Actual Ratio [Abstract]
Total core capital (to risk-weighted assets)			14.79%	16.22%
Tier 1 capital (to risk-weighted assets)			13.54%	14.95%
Tier 1 common equity (to risk-weighted assets)			13.54%	14.95%
Tier 1 capital (to assets)			9.06%	10.00%
Minimum Capital Adequacy Purposes Amount [Abstract]
Total core capital (to risk-weighted assets)			$ 38,996	$ 33,187
Tier 1 capital (to risk-weighted assets)			29,247	24,891
Tier 1 common equity (to risk-weighted assets)			21,935	18,668
Tier 1 capital (to assets)			$ 29,154	$ 24,816
Minimum Capital Adequacy Purposes Ratio [Abstract]
Total core capital (to risk-weighted assets)			8.00%	8.00%
Tier 1 capital (to risk-weighted assets)			6.00%	6.00%
Tier 1 common equity (to risk-weighted assets)			4.50%	4.50%
Tier 1 capital (to assets)			4.00%	4.00%
Minimum To Be "Well Capitalized" Under Prompt Corrective Provisions Amount [Abstract]
Total core capital (to risk-weighted assets)			$ 48,745	$ 41,484
Tier 1 capital (to risk-weighted assets)			38,996	33,187
Tier 1 common equity (to risk-weighted assets)			31,684	26,965
Tier 1 capital (to assets)			$ 36,443	$ 31,020
Minimum To Be "Well Capitalized" Under Prompt Corrective Provisions Ratio [Abstract]
Total core capital (to risk-weighted assets)			10.00%	10.00%
Tier 1 capital (to risk-weighted assets)			8.00%	8.00%
Tier 1 common equity (to risk-weighted assets)			6.50%	6.50%
Tier 1 capital (to assets)			5.00%	5.00%
"Well-Capitalized With Buffer, Fully Phased In For 2019 Amount [Abstract]
Total core capital (to risk-weighted assets)			$ 51,182
Tier 1 capital (to risk-weighted assets)			41,433
Tier 1 common equity (to risk-weighted assets)			34,121
Tier 1 capital (to assets)			$ 36,443
"Well-Capitalized With Buffer, Fully Phased In For 2019 Ratio [Abstract]
Total core capital (to risk-weighted assets)			10.50%
Tier 1 capital (to risk-weighted assets)			8.50%
Tier 1 common equity (to risk-weighted assets)			7.00%
Tier 1 capital (to assets)			5.00%
Class of Stock [Line Items]
Preferred stock			$ 0	$ 13,000
Redeemed shares (in shares)			13,000
Subordinated loan face value			$ 5,000
Preferred stock dividends			49	130
Average balance of cash on hand or with the Federal Reserve Bank			13,200	$ 3,900
Subordinated Note [Member]
Class of Stock [Line Items]
Subordinated loan face value			$ 10,000		$ 10,000
Annual increase in interest expense	$ 644
Preferred Stock SBLF [Member]
Class of Stock [Line Items]
Preferred stock, shares issued (in shares)			0	13,000
Preferred stock dividend rate		4.20%		1.00%
Preferred dividends payable amount			$ 1,200
Preferred stock dividends			$ 16	$ 130
Preferred Stock SBLF [Member] | After Four-and-one Half Years [Member]
Class of Stock [Line Items]
Preferred stock dividend rate			9.00%
Preferred Stock CPP [Member]
Class of Stock [Line Items]
Preferred stock, shares issued (in shares)							13,000
Preferred stock liquidation preference (in dollars per share)						$ 1,000
Preferred stock							$ 13,000
Series B Preferred Stock [Member]
Class of Stock [Line Items]
Redeemed shares (in shares)	(13,000)
Payment for redeemed shares	$ (13,000)

INTEREST RATE DERIVATIVE (Detai

INTEREST RATE DERIVATIVE (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
INTEREST RATE DERIVATIVE [Abstract]
Floating rate trust preferred debenture face amount	$ 5,000
Variable rate basis	3-month LIBOR
Interest Rate Swap [Member]
Derivative [Line Items]
Notional amount	$ 2,000
Remaining term	7 years
Fixed interest rate	4.96%
Accumulated Other Comprehensive Income Derivatives, Pretax [Roll Forward]
Balance as of beginning of period	$ (27)	$ (82)
Amount of gains/losses recognized in other comprehensive income	2	(6)
Amount of loss reclassified from other comprehensive income and recognized as interest expense	25	61
Balance as of end of period	0	(27)
Interest Rate Swap [Member] | Designated as Hedging Instrument [Member] | Other Liabilities [Member]
Cash flow hedge [Abstract]
Fair value of derivative liability	$ 0	$ 27

FAIR VALUE MEASUREMENTS AND D87

FAIR VALUE MEASUREMENTS AND DISCLOSURES (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Jun. 30, 2016	Sep. 30, 2015	Dec. 31, 2016	Dec. 31, 2015
Common Stock - Financial Services Industry [Member]
Fair Value, Assets and Liabilities Measured on Recurring Basis [Roll Forward]
Balance at beginning of period			$ 313
Total gains realized/unrealized included in earnings			0
Total gains realized/unrealized included in other comprehensive income			13
Settlements			130
Sales			0
Balance at end of period			456
Changes in unrealized gains included in earnings related to assets still held			0
Level 3 [Member]
Assets, Fair Value Disclosure [Abstract]
Purchase of common stock	$ 130	$ 313
Recurring [Member] | Total Fair Value [Member]
Debt investment securities [Abstract]
US Treasury agencies and GSEs			24,184	$ 21,308
State and political subdivisions			16,481	8,300
Corporate			15,195	18,128
Asset backed securities			6,664
Residential mortgage-backed - US agency			30,566	32,573
Collateralized mortgage obligations - US agency			40,986	16,833
Collateralized mortgage obligations - Private label			6,577	0
Mutual funds [Abstract]
Ultra short mortgage fund			626	638
Large cap equity fund			0	583
Common stock - Financial services industry			676	579
Total available-for-sale securities			141,955	98,942
Interest rate swap derivative			0	(27)
Recurring [Member] | Level 1 [Member]
Debt investment securities [Abstract]
US Treasury agencies and GSEs			0	0
State and political subdivisions			0	0
Corporate			0	0
Asset backed securities			0
Residential mortgage-backed - US agency			0	0
Collateralized mortgage obligations - US agency			0	0
Collateralized mortgage obligations - Private label			0	0
Mutual funds [Abstract]
Ultra short mortgage fund			626	638
Large cap equity fund			0	583
Common stock - Financial services industry			0	46
Total available-for-sale securities			626	1,267
Interest rate swap derivative			0	0
Recurring [Member] | Level 2 [Member]
Debt investment securities [Abstract]
US Treasury agencies and GSEs			24,184	21,308
State and political subdivisions			16,481	8,300
Corporate			15,195	18,128
Asset backed securities			6,664
Residential mortgage-backed - US agency			30,566	32,573
Collateralized mortgage obligations - US agency			40,986	16,833
Collateralized mortgage obligations - Private label			6,577	0
Mutual funds [Abstract]
Ultra short mortgage fund			0	0
Large cap equity fund			0	0
Common stock - Financial services industry			220	220
Total available-for-sale securities			140,873	97,362
Interest rate swap derivative			0	(27)
Recurring [Member] | Level 3 [Member]
Debt investment securities [Abstract]
US Treasury agencies and GSEs			0	0
State and political subdivisions			0	0
Corporate			0	0
Asset backed securities			0
Residential mortgage-backed - US agency			0	0
Collateralized mortgage obligations - US agency			0	0
Collateralized mortgage obligations - Private label			0	0
Mutual funds [Abstract]
Ultra short mortgage fund			0	0
Large cap equity fund			0	0
Common stock - Financial services industry			456	313
Total available-for-sale securities			456	313
Interest rate swap derivative			0	0
Nonrecurring [Member] | Total Fair Value [Member]
Nonrecurring basis [Abstract]
Impaired loans			4,049	1,070
Foreclosed real estate			393	360
Nonrecurring [Member] | Level 1 [Member]
Nonrecurring basis [Abstract]
Impaired loans			0	0
Foreclosed real estate			0	0
Nonrecurring [Member] | Level 2 [Member]
Nonrecurring basis [Abstract]
Impaired loans			0	0
Foreclosed real estate			0	0
Nonrecurring [Member] | Level 3 [Member]
Nonrecurring basis [Abstract]
Impaired loans			4,049	1,070
Foreclosed real estate			$ 393	$ 360

FAIR VALUE MEASUREMENTS AND D88

FAIR VALUE MEASUREMENTS AND DISCLOSURES, FAIR VALUE INPUTS, QUANTITATIVE INFORMATION (Details) - Level 3 [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Appraisal Collateral - Appraisal Approach [Member] | Minimum [Member] | Impaired loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Discount Rate	5.00%	5.00%
Appraisal Collateral - Appraisal Approach [Member] | Minimum [Member] | Foreclosed real estate [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Discount Rate	15.00%	15.00%
Appraisal Collateral - Appraisal Approach [Member] | Maximum [Member] | Impaired loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Discount Rate	10.00%	10.00%
Appraisal Collateral - Appraisal Approach [Member] | Maximum [Member] | Foreclosed real estate [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Discount Rate	15.00%	15.00%
Appraisal Collateral - Appraisal Approach [Member] | Weighted Average [Member] | Impaired loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Discount Rate	5.00%	8.00%
Appraisal Collateral - Appraisal Approach [Member] | Weighted Average [Member] | Foreclosed real estate [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Discount Rate	15.00%	15.00%
Appraisal Collateral - Cost to Sell approach [Member] | Minimum [Member] | Impaired loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Discount Rate	8.00%	8.00%
Appraisal Collateral - Cost to Sell approach [Member] | Minimum [Member] | Foreclosed real estate [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Discount Rate	6.00%	6.00%
Appraisal Collateral - Cost to Sell approach [Member] | Maximum [Member] | Impaired loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Discount Rate	13.00%	15.00%
Appraisal Collateral - Cost to Sell approach [Member] | Maximum [Member] | Foreclosed real estate [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Discount Rate	8.00%	8.00%
Appraisal Collateral - Cost to Sell approach [Member] | Weighted Average [Member] | Impaired loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Discount Rate	10.00%	14.00%
Appraisal Collateral - Cost to Sell approach [Member] | Weighted Average [Member] | Foreclosed real estate [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Discount Rate	7.00%	7.00%
Comparable Companies [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Common Stock - Financial Services Industry	$ 456	$ 313
Weight ascribed to comparable companies	100.00%	100.00%

FAIR VALUE MEASUREMENTS AND D89

FAIR VALUE MEASUREMENTS AND DISCLOSURES, FAIR VALUE MEASUREMENTS BY BALANCE SHEET GROUPING (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Financial assets [Abstract]
Available-for-sale securities, at fair value	$ 141,955	$ 98,942
Investment securities - held-to-maturity	54,429	45,515
Carrying Amounts [Member] | Level 1 [Member]
Financial assets [Abstract]
Cash and cash equivalents	22,419	15,245
Available-for-sale securities, at fair value	626	1,267
Accrued interest receivable	2,532	2,053
Financial liabilities [Abstract]
Demand Deposits, Savings, NOW and MMDA	421,627	343,853
Accrued interest payable	75	199
Carrying Amounts [Member] | Level 2 [Member]
Financial assets [Abstract]
Available-for-sale securities, at fair value	140,873	97,362
Investment securities - held-to-maturity	54,645	44,297
Federal Home Loan Bank stock	3,250	2,424
Financial liabilities [Abstract]
Time Deposits	189,356	146,462
Borrowings	58,947	41,300
Subordinated loans	15,025	14,991
Interest rate swap derivative	0	27
Carrying Amounts [Member] | Level 3 [Member]
Financial assets [Abstract]
Available-for-sale securities, at fair value	456	313
Net loans	485,900	424,732
Estimated Fair Values [Member] | Level 1 [Member]
Financial assets [Abstract]
Cash and cash equivalents	22,419	15,245
Available-for-sale securities, at fair value	626	1,267
Accrued interest receivable	2,532	2,053
Financial liabilities [Abstract]
Demand Deposits, Savings, NOW and MMDA	421,627	343,853
Accrued interest payable	75	199
Estimated Fair Values [Member] | Level 2 [Member]
Financial assets [Abstract]
Available-for-sale securities, at fair value	140,873	97,362
Investment securities - held-to-maturity	54,429	45,515
Federal Home Loan Bank stock	3,250	2,424
Financial liabilities [Abstract]
Time Deposits	189,197	146,158
Borrowings	58,918	41,282
Subordinated loans	14,310	14,027
Interest rate swap derivative	0	27
Estimated Fair Values [Member] | Level 3 [Member]
Financial assets [Abstract]
Available-for-sale securities, at fair value	456	313
Net loans	$ 484,704	$ 428,410

PARENT COMPANY - FINANCIAL IN90

PARENT COMPANY - FINANCIAL INFORMATION (Details) - USD ($) $ in Thousands	Oct. 16, 2014	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2016	Dec. 31, 2015
Assets [Abstract]
Cash				$ 6,968	$ 9,624
Investments				141,955	98,942
Other assets				6,367	4,845
Total assets				749,034	623,254
Liabilities and Shareholders' Equity [Abstract]
Shareholders' equity				57,929	70,805
Total liabilities and shareholders' equity				749,034	623,254
Income [Abstract]
Total interest income		$ 24,093	$ 21,424
Expenses [Abstract]
Interest		3,804	2,657
Operating, net		2,482	2,317
Loss before taxes and equity in undistributed net income of subsidiaries		4,409	4,003
Tax benefit		(1,111)	(1,071)
Net income attributable to Pathfinder Bancorp Inc.		3,272	2,889
Operating Activities [Abstract]
Net Income		3,272	2,889
Realized gains on available-for-sale investment securities		(456)	(422)
Stock based compensation and ESOP expense		557	354
Amortization of deferred financing from subordinated loan		34	0
Net change in other assets and liabilities		(574)	(600)
Net cash flows from operating activities		6,371	6,311
Investing Activities [Abstract]
Net gain on hedging transaction		(85)	0
Net cash flows from investing activities		(121,457)	(61,485)
Financing activities [Abstract]
Redemption of preferred stock - SBLF		(13,000)	0
Proceeds from exercise of stock options		143	9
Proceeds from subordinated loan		0	9,836
Cash dividends paid to preferred shareholder		(49)	(130)
Cash dividends paid to common shareholders		(866)	(609)
Net cash flows from financing activities		122,260	59,063
Change in cash and cash equivalents		7,174	3,889
Cash and cash equivalents at beginning of period		15,245	11,356
Cash and cash equivalents at end of period		15,245	11,356	22,419	15,245
Parent Company [Member]
Assets [Abstract]
Cash				5,424	21,418
Investments				455	358
Investments in bank subsidiary				67,281	64,519
Investment in non-bank subsidiary				155	155
Other assets				475	185
Total assets				73,790	86,635
Liabilities and Shareholders' Equity [Abstract]
Accrued liabilities				404	415
Subordinated loans				15,025	14,991
Shareholders' equity				58,361	71,229
Total liabilities and shareholders' equity				73,790	86,635
Income [Abstract]
Dividends from non-bank subsidiary		4	4
Realized gains on available-for sale investment securities		108	0
Total interest income		112	4
Expenses [Abstract]
Interest		880	300
Operating, net		230	248
Total expenses		1,110	548
Loss before taxes and equity in undistributed net income of subsidiaries		(998)	(544)
Tax benefit		254	162
Loss before equity in undistributed net income of subsidiaries		(744)	(382)
Equity in undistributed net income of subsidiaries		4,016	3,271
Net income attributable to Pathfinder Bancorp Inc.		3,272	2,889
Operating Activities [Abstract]
Net Income		3,272	2,889
Equity in undistributed net income of subsidiaries		(4,016)	(3,271)
Realized gains on available-for-sale investment securities		(23)	0
Stock based compensation and ESOP expense		557	354
Amortization of deferred financing from subordinated loan		34	0
Net change in other assets and liabilities		(152)	95
Net cash flows from operating activities		(328)	67
Investing Activities [Abstract]
Purchase of investments		(130)	(312)
Net gain on hedging transaction		(85)	0
Proceeds from sale of investment		43	0
Net cash flows from investing activities		(172)	(312)
Financing activities [Abstract]
Redemption of preferred stock - SBLF		(13,000)	0
Proceeds from exercise of stock options		143	9
Proceeds from subordinated loan		0	9,836
Purchase of common stock	$ 24,900	(1,755)	0
Cash dividends paid to preferred shareholder		(16)	(130)
Cash dividends paid to common shareholders		(866)	(609)
Net cash flows from financing activities		(15,494)	9,106
Change in cash and cash equivalents		(15,994)	8,861
Cash and cash equivalents at beginning of period		21,418	12,557
Cash and cash equivalents at end of period		$ 21,418	$ 12,557	$ 5,424	$ 21,418

RELATED PARTY TRANSACTIONS (Det

RELATED PARTY TRANSACTIONS (Details) - Directors, Executive Officers and Affiliates [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Loans to Related Parties [Roll Forward]
Balance at the beginning of the year	$ 10,324
Originations and Officer additions	2,122
Principal payments	(1,562)
Balance at the end of the year	10,884
Deposits of related parties	$ 3,400	$ 2,000

CONVERSION AND REORGANIZATION (

CONVERSION AND REORGANIZATION (Details)	Oct. 16, 2014USD ($)$ / sharesshares	Dec. 31, 2016USD ($)$ / sharesshares	Dec. 31, 2015USD ($)shares	Dec. 31, 2014shares
Conversion of Stock [Line Items]
Ratio of conversion of shares	1.6472
Cash in lieu of fractional shares (in dollars per share) | $ / shares	$ 10
Common stock, share outstanding (in shares) | shares		4,236,744	4,353,850	4,353,850
New Pathfinder [Member]
Conversion of Stock [Line Items]
Percentage owned by holding company	60.40%
Number of shares of common stock sold (in shares) | shares	2,636,053	2,636,053
Common stock sold per share (in dollar per share) | $ / shares	$ 10	$ 10
Gross offering proceeds of common stock	$ 26,400,000
Net offering proceeds of common stock	$ 24,900,000	$ (1,755,000)	$ 0
Ratio of conversion of shares	1.6472
Cost related to offering	$ 1,500,000
Cash received from acquisition	$ 197,000

ACCUMULATED OTHER COMPREHENSI93

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Beginning balance	$ 70,805
Other comprehensive income before reclassifications	(1,045)	$ (341)
Amounts reclassified from AOCI	(212)	(105)
Ending balance	57,929	70,805
Accumulated Other Comprehensive Loss [Member]
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Beginning balance	(2,565)	(2,119)
Ending balance	(3,822)	(2,565)
Retirement Plans [Member]
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Beginning balance	(1,844)	(1,794)
Other comprehensive income before reclassifications	198	(161)
Amounts reclassified from AOCI	133	111
Ending balance	(1,513)	(1,844)
Unrealized Gains (Losses) on Financial Derivative [Member]
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Beginning balance	(16)	(49)
Other comprehensive income before reclassifications	1	(4)
Amounts reclassified from AOCI	15	37
Ending balance	0	(16)
Unrealized Gains and Losses on Available-for-Sale-Securities [Member]
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Beginning balance	(51)	457
Other comprehensive income before reclassifications	(1,436)	(255)
Amounts reclassified from AOCI	(358)	(253)
Ending balance	(1,845)	(51)
Unrealized Loss on Securities Transferred to Held-to-Maturity [Member]
Changes in the Components of Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Beginning balance	(654)	(733)
Other comprehensive income before reclassifications	190	79
Amounts reclassified from AOCI	0	0
Ending balance	$ (464)	$ (654)

ACCUMULATED OTHER COMPREHENSI94

ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS), Reclassification out of AOCI (Details) - USD ($) $ in Thousands		3 Months Ended	12 Months Ended
		Dec. 31, 2016	Dec. 31, 2016	Dec. 31, 2015
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]
Interest on long term borrowings			$ (270)	$ (257)
Salaries and employee benefits			(10,772)	(9,687)
Net gains on sales and redemptions of investment securities		$ 85	594	422
Provision for income taxes			(1,111)	(1,071)
Net income attributable to Pathfinder Bancorp Inc.			3,272	2,889
Unrealized Gains and Losses on Financial Derivative [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]
Interest on long term borrowings	[1]		(25)	(61)
Provision for income taxes	[1]		10	24
Net income attributable to Pathfinder Bancorp Inc.	[1]		(15)	(37)
Retirement Plans [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]
Salaries and employee benefits	[1],[2]		(222)	(185)
Provision for income taxes	[1]		89	74
Net income attributable to Pathfinder Bancorp Inc.	[1]		(133)	(111)
Unrealized Gains and Losses on Available-for-Sale-Securities [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]
Net gains on sales and redemptions of investment securities	[1]		594	422
Provision for income taxes	[1]		(236)	(169)
Net income attributable to Pathfinder Bancorp Inc.	[1]		$ 358	$ 253
[1]	Amounts in parentheses indicates debits in net income.
[2]	These items are included in net periodic pension cost.