First Farmers and Merchants (FFMH) 10-K 5 Mar 15 2014 FY Annual report Financial data

Document_and_Entity_Informatio

Document and Entity Information (USD $)	12 Months Ended
	Dec. 31, 2014	Mar. 02, 2015	Jun. 30, 2014
Document And Entity Information
Entity Registrant Name	FIRST FARMERS & MERCHANTS CORP
Entity Central Index Key	703329
Trading Symbol	fime
Document Type	10-K
Document Period End Date	31-Dec-14
Amendment Flag	FALSE
Current Fiscal Year End Date	-19
Entity a Well-known Seasoned Issuer	No
Entity a Voluntary Filer	No
Entity's Reporting Status Current	Yes
Entity Filer Category	Accelerated Filer
Entity Public Float			$128,357,242
Entity Common Stock, Shares Outstanding		4,900,576
Document Fiscal Period Focus	FY
Document Fiscal Year Focus	2014

CONSOLIDATED_BALANCE_SHEETS

CONSOLIDATED BALANCE SHEETS (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
ASSETS
Cash and due from banks	$18,511	$20,391
Interest-bearing deposits	10,086	25,167
Federal funds sold	1,700	9,850
Total cash and cash equivalents	30,297	55,408
Securities:
Available-for-sale (amortized cost $403,403 and $346,892 as of Dec. 31, 2014 and December 31, 2013, respectively)	397,886	329,714
Held-to-maturity (fair market value $22,263 and $28,595 as of Dec. 31, 2014 and December 31, 2013, respectively)	21,985	27,839
Total securities	419,871	357,553
Loans, net of deferred fees	652,052	606,766
Allowance for loan and lease losses	-7,934	-8,595
Net loans	644,118	598,171
Bank premises and equipment, net	25,773	24,868
Other real estate owned	5	1,438
Bank owned life insurance	26,176	25,867
Goodwill	9,018	9,018
Deferred tax asset	5,097	9,946
Other assets	10,640	10,605
TOTAL ASSETS	1,170,995	1,092,874
Deposits
Noninterest-bearing	204,358	179,823
Interest-bearing	815,597	777,514
Total deposits	1,019,955	957,337
Securities sold under agreements to repurchase	22,834	18,095
Accounts payable and accrued liabilities	13,622	13,238
TOTAL LIABILITIES	1,056,411	988,670
SHAREHOLDERS' EQUITY
Common stock - $10 par value per share, 8,000,000 shares authorized; 4,900,576 and 5,021,012 shares issued and outstanding as of Dec. 31, 2014 and December 31, 2013, respectively	49,006	50,210
Retained earnings	67,609	62,900
Accumulated other comprehensive loss	-2,126	-9,001
TOTAL SHAREHOLDERS' EQUITY BEFORE NONCONTROLLING INTEREST - PREFERRED STOCK OF SUBSIDIARY	114,489	104,109
Noncontrolling interest - preferred stock of subsidiary	95	95
TOTAL SHAREHOLDERS' EQUITY	114,584	104,204
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$1,170,995	$1,092,874

CONSOLIDATED_BALANCE_SHEETS_Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, except Share data, unless otherwise specified
Stockholders' Equity, Number of Shares, Par Value and Other Disclosures [Abstract]
Available-for-sale securities, amortized cost	$403,403	$346,892
Held-to-maturity securities, fair value	$22,263	$28,595
Common Stock, par or stated value (in dollars per share)	$10	$10
Common Stock, shares authorized	8,000,000	8,000,000
Common Stock, shares issued	4,900,576	5,021,012
Common Stock, shares outstanding	4,900,576	5,021,012

CONSOLIDATED_STATEMENTS_OF_INC

CONSOLIDATED STATEMENTS OF INCOME (USD $)	12 Months Ended
In Thousands, except Share data, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
INTEREST AND DIVIDEND INCOME
Interest and fees on loans	$28,300	$28,653	$27,951
Income on investment securities
Taxable interest	5,738	5,501	4,967
Exempt from federal income tax	2,473	2,913	3,106
Dividends	269	294	360
Total interest income	36,780	37,361	36,384
INTEREST EXPENSE
Interest on deposits	2,358	2,694	3,343
Interest on other borrowings	70	213	498
Total interest expense	2,428	2,907	3,841
Net interest income	34,352	34,454	32,543
Provision for loan and lease losses			1,120
Net interest income after provision	34,352	34,454	31,423
NONINTEREST INCOME
Gain on loans sold	294	437	511
Trust department income	2,491	2,298	2,119
Service fees on deposit accounts	6,470	6,479	6,689
Brokerage fees	410	361	231
Earnings on bank owned life insurance	398	497	705
Gain on sale of securities	652	829	2,294
Gain (loss) on foreclosed property	516	-308	-1,317
Other non-interest income	496	523	399
Total noninterest income	11,727	11,116	11,631
NONINTEREST EXPENSE
Salaries and employee benefits	17,557	18,331	16,486
Net occupancy expense	2,032	2,581	2,528
Depreciation expense	1,441	1,397	1,334
Data processing expense	2,321	2,288	2,007
Legal and professional fees	860	1,037	943
Stationary and office supplies	304	293	279
Advertising and promotions	1,352	1,090	1,179
FDIC insurance premium expense	589	728	703
Other real estate expense	68	128	309
Other noninterest expense	5,741	5,370	4,826
Total noninterest expenses	32,265	33,243	30,594
Income before provision for income taxes	13,814	12,327	12,460
Provision for income taxes	3,556	2,700	3,040
Net income before noncontrolling interest - dividends on preferred stock of subsidiary	10,258	9,627	9,420
Noncontrolling interest-dividends on preferred stock subsidiary	16	16	16
Net income for common shareholders	$10,242	$9,611	$9,404
Weighted average shares outstanding	4,963,826	5,110,849	5,315,634
Earnings per share	$2.06	$1.88	$1.77

CONSOLIDATED_STATEMENT_OF_COMP

CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME (LOSS) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Statement of Comprehensive Income [Abstract]
Net income for common shareholders	$10,242	$9,611	$9,404
Other comprehensive Income (loss)
Unrealized appreciation (depreciation) on available-for-sale securities, net of taxes of $4,742, ($8,507) and $1,204, respectively	7,571	-13,589	1,923
Reclassification adjustment for realized gains included in net income, net of taxes of ($251), ($319) and ($883), respectively	-401	-510	-1,411
Change in unfunded portion of postretirement benefit obligations, net of tax of ($185), $2,102, and ($1,243), respectively	-295	3,360	-1,982
Other comprehensive Income (loss)	6,875	-10,739	-1,470
Total comprehensive Income (loss)	$17,117	($1,128)	$7,934

CONSOLIDATED_STATEMENT_OF_COMP1

CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME (LOSS) (Parenthetical) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Statement of Comprehensive Income [Abstract]
Unrealized holding gain (loss) on securities arising during period, tax	$4,742	($8,507)	$1,204
Reclassification adjustment for realized gain included in net income, tax	-251	-319	-883
Change in unfunded portion of postretirement benefit obligations, tax	($185)	$2,102	($1,243)

CONSOLIDATED_STATEMENTS_OF_CHA

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (USD $)	Preferred Stock [Member]	Common Stock [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Total
In Thousands, except Share data, unless otherwise specified
Balance at Dec. 31, 2011	$95	$53,300	$55,546	$3,208	$112,149
Balance (in shares) at Dec. 31, 2011		5,330,000
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income before dividends on preferred stock of subsidiary			9,420		9,420
Other comprehensive income				-1,470	-1,470
Repurchase of common stock		-1,500	-1,900		-3,400
Repurchase of common stock (in shares)		-150,000
Cash dividends declared, $0.74 per share			-3,888		-3,888
Cash dividends - preferred stock of subsidiary			-16		-16
Balance at Dec. 31, 2012	95	51,800	59,162	1,738	112,795
Balance (in shares) at Dec. 31, 2012		5,180,000
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income before dividends on preferred stock of subsidiary			9,627		9,627
Other comprehensive income				-10,739	-10,739
Repurchase of common stock		-1,590	-2,132		-3,722
Repurchase of common stock (in shares)		-158,988
Cash dividends declared, $0.74 per share			-3,741		-3,741
Cash dividends - preferred stock of subsidiary			-16		-16
Balance at Dec. 31, 2013	95	50,210	62,900	-9,001	104,204
Balance (in shares) at Dec. 31, 2013		5,021,012
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income before dividends on preferred stock of subsidiary			10,258		10,258
Other comprehensive income				6,875	6,875
Repurchase of common stock		-1,204	-1,893		-3,097
Repurchase of common stock (in shares)		-120,436
Cash dividends declared, $0.74 per share			-3,640		-3,640
Cash dividends - preferred stock of subsidiary			-16		-16
Balance at Dec. 31, 2014	$95	$49,006	$67,609	($2,126)	$114,584
Balance (in shares) at Dec. 31, 2014		4,900,576

CONSOLIDATED_STATEMENTS_OF_CHA1

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Parenthetical) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Statement of Stockholders' Equity [Abstract]
Cash dividends declared, per share	$0.74	$0.74	$0.74

CONSOLIDATED_STATEMENTS_OF_CAS

CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
OPERATING ACTIVITIES
Net income available for common shareholders	$10,242	$9,611	$9,404
Adjustments to reconcile net income to net cash provided by operating activities
Provision for loan losses			1,120
Provision for depreciation and amortization of premises and equipment	1,441	1,543	1,412
Deferred tax expense	545	1,785	784
Net securities gains	-652	-829	-2,294
Gains on loans sold	-294	-437	-511
Proceeds from sale of mortgage loans held for sale	13,105	21,047	28,625
Funding of mortgage loans held for sale	-12,838	-18,481	-28,065
(Gain) loss on other real estate owned	-516	308	1,317
Gain (loss) on sale of assets		38	-10
Amortization of investment security premiums, net of accretion of discounts	1,100	1,312	3,526
Increase in cash surrender value of life insurance contracts	-398	-497	-705
Changes in:
Other assets	-8	1,243	741
Other liabilities	435	143	-273
Net cash provided by operating activities	12,162	16,786	15,071
INVESTING ACTIVITIES
Proceeds from sales of available-for-sale securities	47,798	137,150	421,346
Proceeds from maturities and calls of available-for-sale securities	30,072	44,908	68,673
Proceeds from maturities and calls of held-to-maturity securities	5,398	3,890	3,430
Purchases of investment securities available-for-sale	-134,373	-189,436	-521,837
Net increase in loans	-45,952	-38,267	-50,846
Proceeds from sale of other real estate owned	1,466	2,378	1,810
Proceeds from sale of assets		799
Purchases of premises and equipment	-2,346	-831	-786
Purchase of life insurance policies	-175	-258	-2,282
Proceeds from redemption of life insurance policy	264
Net cash used in investing activities	-97,848	-39,667	-80,492
FINANCING ACTIVITIES
Net increase in deposits	62,618	24,488	76,419
Net increase in securities sold under agreements to repurchase	4,739	1,027	721
Repayments of FHLB borrowings		-10,100	-7,000
Repurchase of common stock	-3,097	-3,722	-3,400
Cash dividends paid on common stock	-3,685	-3,800	-3,944
Net cash provided by financing activities	60,575	7,893	62,796
Decrease in cash and cash equivalents	-25,111	-14,988	-2,625
Cash and cash equivalents at beginning of period	55,408	70,396	73,021
Cash and cash equivalents at end of period	30,297	55,408	70,396
Cash paid during the period for:
Interest on deposits and borrowed funds	2,479	2,816	3,717
Income taxes	3,094	2,072	860
Loans to facilitate sale of other real estate owned		1,905	1,774
Real estate acquired in settlement of loans	$5	$312	$1,355

GENERAL_AND_SUMMARY_OF_SIGNIFI

GENERAL AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 2014
Accounting Policies [Abstract]
GENERAL AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	NOTE 1 – GENERAL AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
	Accounting Policies
	The accounting principles followed and the methods of applying those principles conform with accounting principles generally accepted in the United States (“GAAP”) and to general practices in the banking industry. The significant accounting policies applicable to First Farmers and Merchants Corporation (the "Corporation") are summarized as follows.
	Nature of Operations
	The Corporation is a bank holding company whose principal activity is the ownership and management of its wholly-owned subsidiary, First Farmers and Merchants Bank (the "Bank"). The Bank is primarily engaged in providing a full range of banking and financial services, including lending, investing of funds, obtaining deposits, trust and wealth management operations, and other financing activities to individual and corporate customers in the Middle Tennessee area. The Bank is subject to competition from other financial institutions. The Corporation and Bank are subject to the regulation of certain federal and state agencies and undergo periodic examinations by those regulatory authorities.
	Basis of Presentation
	The accompanying consolidated financial statements present the accounts of the Corporation and its wholly-owned subsidiary, First Farmers and Merchants Bank. The Bank has the following direct and indirect subsidiaries: F&M West, Inc., Maury Tenn, Inc., and Maury Tenn Properties, Inc. Noncontrolling interests consist of preferred shares in Maury Tenn Properties, Inc. that are owned by third parties and Maury Tenn, Inc. The preferred shares in Maury Tenn Properties, Inc. receive dividends, which are included in the consolidated statements of income. Intercompany accounts and transactions have been eliminated in consolidation.
	Certain items in prior financial statements have been reclassified to conform to the current presentation. These reclassifications had no effect on net income.
	Use of Estimates in the Preparation of Financial Statements
	The preparation of financial statements in conformity with GAAP requires management of the Corporation and the Bank to make estimates and assumptions that affect the reported amounts of assets and liabilities. Those estimates and assumptions also affect disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near-term relate to the determination of the allowance for loan and lease losses, the fair value of financial instruments, the valuation of foreclosed real estate, valuation of goodwill, valuation of deferred tax assets and the liability related to post-retirement benefits.
	Concentrations of Credit Risk
	The Corporations’ banking activities include granting commercial, residential, and consumer loans to customers primarily located in Middle Tennessee and northern Alabama. The Corporation manages its portfolio and product mix in a manner to reduce economic risk. Concentrations of credit, as defined for regulatory purposes, are reviewed quarterly by management to ensure that internally established limits are not exceeded. At December 31, 2014 our concentrations of commercial real estate, rental and leasing loans were 119.2% of Tier 1 Capital plus the allowance for loan and lease losses. Health care and social assistance loans were 41.3%. Manufacturing and construction loans were 21.2%. Wholesale trade credits were 21.0%. These percentages are within our internally established limits regarding concentrations of credit.
	Loans secured by non-farm, non-residential real estate comprised 25.1% of the loan portfolio at December 31, 2014. Management remains comfortable with the real estate exposure levels within the commercial loan portfolio. Management believes the commercial real estate portion remains well diversified across several different property types and several different geographic markets.
	Cash and Due From Banks
	Included in cash and due from banks are reserve amounts that are required to be maintained in the form of cash and/or balances due from the Federal Reserve Bank and other banks. At December 31, 2014, the Bank’s required reserve was $8,748 at the Federal Reserve. From time to time throughout the year, the Bank’s balances due from other financial institutions exceeded Federal Deposit Insurance Corporation (FDIC) insurance limits. The Bank had one account exceeding FDIC insurance limits at December 31, 2014 by $3,940. Furthermore, federal funds sold are essentially uncollateralized loans to other financial institutions.
	Cash Equivalents
	The Corporation considers all liquid investments with original maturities of three months or less to be cash equivalents. Cash equivalents include cash on hand, cash due from banks and federal funds sold. Federal funds are sold for one-day periods.
	Securities
	Certain debt securities that management has the intent and ability to hold to maturity are classified as “held-to-maturity” and recorded at amortized cost. Securities not classified as held to maturity are classified as “available for sale” and recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income, net of tax. Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method.
	For debt securities with fair value below amortized cost which the Corporation does not intend to sell, and it is more likely than not the Corporation will not have to sell the security before recovery of its cost basis, the Corporation recognizes the credit component of an other-than-temporary impairment of a debt security in earnings and the remaining portion in other comprehensive income. For held-to-maturity debt securities, the amount of an other-than-temporary impairment recorded in other comprehensive income for the noncredit portion of a previous other-than-temporary impairment is amortized prospectively over the remaining life of the security on the basis of the timing of future estimated cash flows of the security.
	If declines in fair value are other than temporary, the carrying value of the securities is written down to fair value as a realized loss with a charge to income for the portion attributable to credit losses and a charge to other comprehensive income for the portion that is not credit related. For available-for-sale and held-to-maturity debt securities that management has no intent to sell and believes that the Corporation more likely than not will not be required to sell prior to recovery, only the credit loss component of the impairment is recognized in earnings, while the noncredit loss is recognized in accumulated other comprehensive income. The credit loss component recognized in earnings is identified as the amount of principal cash flows not expected to be received over the remaining term of the security based on cash flow projections.
	Loans
	Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff is reported at their outstanding principal balances adjusted for unearned income, charge-offs, the allowance for loan losses, any unamortized deferred fees or costs on originated loans and unamortized premiums or discounts on purchased loans.
	For loans amortized at cost, interest income is accrued based on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, as well as premiums and discounts, are deferred and amortized as a level yield adjustment over the respective term of the loan.
	The accrual of interest on mortgage and commercial loans is discontinued at the time the loan is 90 days past due unless the credit is well-secured and in process of collection. Past-due status is based on contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged off at an earlier date if collection of principal or interest is considered doubtful.
	All interest accrued but not collected for loans that are placed on nonaccrual or charged off is reversed against interest income. The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.
	Discounts and premiums on purchased commercial loans are amortized to income using the interest method over the remaining period to contractual maturity and adjusted for anticipated prepayments.
	Allowance for Loan and Lease Losses
	The allowance for loan and lease losses is established through provisions for loan and lease losses charged against income. Loan losses are charged against the allowance when management determines that the uncollectibility of a loan has been confirmed. Subsequent recoveries, if any, are credited to the allowance account in the period received.
	The adequacy of the allowance for loan and lease losses is evaluated quarterly in conjunction with loan review reports and evaluations that are discussed in meetings with loan officers, credit administration and the Bank’s Board of Directors. The Bank’s past loan loss experience, known and inherent risks in the portfolio, adverse situations that may affect a borrower’s ability to repay (including the timing of future payments), the estimated value of any underlying collateral, composition of the loan portfolio, current economic conditions and other relevant factors are considered in this evaluation. This process is inherently subjective as it requires material estimates that are susceptible to significant change, including the amounts and timing of future cash flows expected to be received on impaired loans. The allowance for loan and lease losses is maintained at a level believed by management to be adequate to absorb estimated losses inherent in the loan portfolio.
	A loan is considered impaired when it is probable that the Bank will be unable to collect all amounts due (principal and interest) 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 payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial and commercial real estate loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral dependent.
	Groups of loans with similar risk characteristics are collectively evaluated for impairment based on the group’s historical loss experience adjusted for changes in trends, conditions and other relevant factors that affect repayment of the loans. Accordingly, the Bank does not separately identify individual consumer and residential loans for impairment measurements, unless such loans are the subject of a restructuring agreement due to financial difficulties of the borrower.
	When any secured commercial loan is considered uncollectable, whether past due or not, a current assessment of the value of the underlying collateral is made. If the balance of the loan exceeds the fair value of the collateral, the loan is placed on nonaccrual and the loan is charged down to the value of the collateral less estimated cost to sell or a specific reserve equal to the difference between book value of the loan and the fair value assigned to the collateral is created until such time as the loan is foreclosed. When the foreclosed collateral has been legally assigned to the Bank, a charge off is taken, if necessary, in order that the remaining balance reflects the fair value estimated less costs to sell the collateral then transferred to other real estate owned or other repossessed assets. When any unsecured commercial loan is considered uncollectable the loan is charged off no later than at 90 days past due.
	All closed-end consumer loans (excluding conventional 1-4 family residential loans and installment and revolving loans secured by real estate) are charged off upon reaching no later than 120 days (4 monthly payments) delinquent. If a loan is considered uncollectable, it is charged off earlier than 120 days delinquent. For conventional 1-4 family residential loans and installment and revolving loans secured by real estate, when a loan is 90 days past due, a current assessment of the value of the real estate is made. If the balance of the loan exceeds the fair value of the property, the loan is placed on nonaccrual and foreclosure proceedings are initiated. When the foreclosed property has been legally assigned to the Bank, a charge-off is taken with the remaining balance, reflecting the fair value less estimated costs to sell, transferred to other real estate owned.
	Loans Held for Sale
	Mortgage loans originated and intended for sale in the secondary market are carried at the lower of cost or fair value in the aggregate. Net unrealized losses, if any, are recognized through a valuation allowance by charges to noninterest income. Gains and losses on loan sales are recorded in noninterest income. The Corporation does not retain servicing rights on loans sold. Loans held for sale at December 31, 2014 and 2013 totaled $354 and $327, respectively.
	Other Real Estate
	Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less cost to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less cost to sell. Revenue and expenses from operations and changes in the valuation allowance are included in net income or expense from foreclosed assets.
	When foreclosed properties are acquired current appraisals are obtained on the properties. Additionally, periodic updated appraisals are obtained on unsold foreclosed properties. When an updated appraisal reflects a market value below the current book value, a charge is booked to current earnings to reduce the property to its new market value less expected selling costs. Our policy for determining the frequency of periodic reviews is based upon consideration of the specific properties and the known or perceived market fluctuations in a particular market and is typically between 12 and 24 months.
	Premises and Equipment
	Premises and equipment are stated at cost, less accumulated depreciation and amortization. The provision for depreciation is computed principally on an accelerated method over the estimated useful life of an asset, which ranges from 15 to 39 years for buildings and from three to 25 years for equipment. Costs of major additions and improvements are capitalized. Expenditures for maintenance and repairs are charged to operations as incurred. Gains or losses from the disposition of property are reflected in operations, and the asset accounts and related allowances for depreciation are reduced.
	Federal Reserve and Federal Home Loan Bank Stock
	Federal Reserve and Federal Home Loan Bank stock are required investments for institutions that are members of the Federal Reserve and Federal Home Loan Bank systems. The required investment in the common stock is based on a predetermined formula, carried at cost and evaluated for impairment. At December 31, 2014 and 2013 Federal Reserve and Federal Home Loan Bank stock totaled $3,879.
	Goodwill
	Goodwill is evaluated annually for impairment. Quantitative and qualitative assessments are performed to determine whether the existence of events or circumstances leads to a determination that it is more likely than not the fair value is less than the carrying amount, including goodwill. If, based on the evaluation, it is determined to be more likely than not that the fair value is less than the carrying value, then goodwill is tested further for impairment. If the implied fair value of goodwill is lower than its carrying amount, a goodwill impairment is indicated and goodwill is written down to its implied fair value. Subsequent increases in goodwill value are not recognized in the financial statements.
	Transfers of Financial Assets
	Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Corporation—put presumptively beyond the reach of the transferor and its creditors, even in bankruptcy or other receivership, (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 Corporation does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity or the ability to unilaterally cause the holder to return specific assets.
	Income Taxes
	The Corporation files consolidated income tax returns with its subsidiaries. The Corporation accounts for income taxes in accordance with income tax accounting guidance (ASC 740, Income Taxes). The income tax accounting guidance requires in two components of income tax expense: current and deferred. Current income tax expense reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to the taxable income or excess of deductions over revenues. The Corporation determines deferred income taxes using the liability (or balance sheet) method. Under this method, the net deferred tax asset or liability is based on the tax effects of the differences between the book and tax bases of assets and liabilities, and enacted changes in tax rates and laws are recognized in the period in which they occur. Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are reduced by a valuation allowance if, based on the weight of evidence available, it is more likely than not that some portion or all of a deferred tax asset will not be realized.
	Tax positions are recognized if it is more likely than not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more likely than not means a likelihood of more than 50 percent; the terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances and information available at the reporting date and is subject to management’s judgment. With a few exceptions, the Corporation is no longer subject to U.S. federal tax examinations and state and local tax examinations by tax authorities for years before 2011.
	The Corporation recognizes interest and penalties on income taxes as a component of income tax expense. As of December 31, 2014, the Corporation has accrued no interest and no penalties related to uncertain tax positions.
	Securities Sold Under Agreements to Repurchase
	Securities sold under agreements to repurchase, which are classified as secured borrowings, generally mature within one to four days from the transaction date. Securities sold under agreements to repurchase are reflected at the amount of cash received in connection with the transaction.
	Fair Value Measurements
	Financial Accounting Standards Board ("FASB") ASC Topic 820, “Fair Value Measurements and Disclosures”, defines fair value, establishes a framework for measuring fair value in generally accepted accounting principles, and requires certain disclosures about fair value measurements. See Note 13 – Fair Value Measurement. In general, fair values of financial instruments are based upon quoted market prices, where available. If such quoted market prices are not available, fair value is based upon internally developed models that primarily use, as input, observable market-based parameters. Valuation adjustments may be made to ensure that financial instruments are recorded at fair value. These adjustments may include amounts to reflect counterparty credit quality and the Corporation’s creditworthiness, among other things, as well as unobservable parameters. Any such valuation adjustments are applied consistently over time.
	Shareholders’ Equity and Earnings Per Share
	Basic earnings per share represent income available to shareholders divided by the weighted average number of shares of Corporation common stock outstanding during the period. Diluted earnings per share reflect additional shares of common stock that would have been outstanding if potentially dilutive shares of common stock had been issued, as well as any adjustment to income that would result from the assumed conversion. For the years ended December 31, 2014, 2013 and 2012 there were no potentially dilutive shares of common stock issuable.
	The following is a summary of the basic earnings per share calculation for each of the three-year period ended, December 31, 2014:
	Earnings per share calculation:
		2014			2013			2012
	Numerator - Net income available to common shareholders	$	10,242		$	9,611		$	9,404
	Denominator - Weighted average common shares outstanding		4,963,826			5,110,849			5,315,634
	Basic net income per common share available to common shareholders	$	2.06		$	1.88		$	1.77
	In 2013, the Corporation adopted a plan to repurchase shares of its common stock. The plan allowed the purchase of up to 200,000 shares. The Corporation purchased 120,436 shares in 2014 and 158,988 shares in 2013. In 2012, the Corporation adopted a plan to repurchase up to 150,000 shares of common stock. The Corporation repurchased 150,000 shares in 2012.
Accumulated Other Comprehensive Income (Loss)
Comprehensive income (loss) consists of net income and other comprehensive income (loss), net of applicable income tax expenses or benefits. Other comprehensive income (loss) includes unrealized appreciation or depreciation on available-for-sale securities and changes in the net actuarial gain or loss of the postretirement benefit obligation.
The components of accumulated other comprehensive income (loss), included in shareholder’s equity, are as follows as of December 31, 2014, 2013 and 2012 (dollars in thousands):
	Years ended December 31,
	2014			2013			2012
Net unrealized gains (losses) on available-for-sale securities	$	(5,517	)	$	(17,178	)	$	5,747
Net actuarial gain on unfunded portion of postretirement benefit obligation		2,062			2,542			(2,920	)
		(3,455	)		(14,636	)		2,827
Tax effect - (expense) benefit		1,329			5,635			(1,089	)
Other comprehensive income (loss)	$	(2,126	)	$	(9,001	)	$	1,738
Transfers Between Fair Value Hierarchy Levels
Transfers in and out of Level 1 (quoted market prices), Level 2 (other significant observable inputs) and Level 3 (significant unobservable inputs) are recognized on the period end date.
Segment Reporting
Management analyzes the operations of the Corporation assuming one operating segment, community lending services.
Subsequent Events
FASB ASC Topic 855, “Subsequent Events”, established general standards of accounting for a disclosure of events that occur after the balance sheet date but before financial statements are issued. The Corporation evaluated all events or transactions that occurred after December 31, 2014, through the date of the issued financial statements. During this period there were no material recognizable subsequent events that required recognition or disclosures in the December 31, 2014 financial statements.
Recent Accounting Pronouncements
ASU 2014-14, “Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40).” ASU 2014-14 applies to creditors that hold government-guaranteed mortgage loans, including those guaranteed by the FHA and the VA. The amendments in this Update require that a mortgage loan be derecognized and that a separate other receivable be recognized upon foreclosure if the following conditions are met: (1) the loan has a government guarantee that is not separable from the loan before foreclosure. (2) at the time of foreclosure, the creditor has the intent to convey the real estate property to the guarantor and make a claim on the guarantee, and the creditor has the ability to recover under that claim. (3) at the time of foreclosure, any amount of the claim that is determined on the basis of the fair value of the real estate is fixed. Upon foreclosure, the separate other receivable should be measured based on the amount of the loan balance (principal and interest) expected to be recovered from the guarantor. ASU 2014-14 is effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. The new standard did not have a significant impact on the Corporation’s financial statements.

RECLASSIFICATIONS_FROM_ACCUMUL

RECLASSIFICATIONS FROM ACCUMULATED OTHER COMPREHENSIVE INCOME (AOCI)	12 Months Ended
	Dec. 31, 2014
Equity [Abstract]
RECLASSIFICATIONS FROM ACCUMULATED OTHER COMPREHENSIVE INCOME ("AOCI")	NOTE 2 – RECLASSIFICATIONS FROM ACCUMULATED OTHER COMPREHENSIVE INCOME (“AOCI”)
	Amounts reclassified from AOCI and the affected line items in the statements of income during the periods ended December 31, 2014, 2013 and 2012, were as follows (dollars in thousands):
			Amounts Reclassified from AOCI
		31-Dec-14			Years Ended			31-Dec-12			Affected Line Item in the Statements
					31-Dec-13						of Income
	Unrealized gains on available-for-sale securities
		$	652		$	829		$	2,294		Realized gain on sale of available-for- sale securities
			(251	)		(319	)		(883	)	Tax expense
		$	401		$	510		$	1,411		Net reclassified amount
	Amortization of defined benefit pension items
	Actuarial gains (losses)	$	188		$	(190	)	$	-
			(72	)		73			-		Tax (expense) benefit
		$	116		$	(117	)	$	-		Net reclassified amount
	Total reclassifications out of AOCI	$	517		$	393		$	1,411

SECURITIES

SECURITIES	12 Months Ended
	Dec. 31, 2014
Investments, Debt and Equity Securities [Abstract]
SECURITIES	NOTE 3 – SECURITIES
	The amortized cost and fair value of securities available-for-sale and held-to-maturity at December 31, 2014 and 2013 are summarized as follows (dollars in thousands):
		Amortized			Gross unrealized						Fair
	31-Dec-14	cost			Gains			Losses			value
	Available-for-sale securities
	U.S. Government agencies	$	162,289		$	50		$	3,085		$	159,254
	U.S. Government sponsored agency mortgage backed securities		172,035			64			4,129			167,970
	States and political subdivisions		51,374			1,658			150			52,882
	Corporate bonds		17,705			129			54			17,780
		$	403,403		$	1,901		$	7,418		$	397,886
	Held-to-maturity securities
	States and political subdivisions	$	21,985		$	278		$	-		$	22,263
	31-Dec-13		Amortized			Gross unrealized						Fair
	Available-for-sale securities		cost			Gains			Losses			value
	U.S. Government agencies		$	112,863		$	-		$	7,791		$	105,072
	U.S. Government sponsored agency mortgage backed securities			168,045			27			10,649			157,423
	States and political subdivisions			45,237			1,240			140			46,337
	Corporate bonds			20,747			280			145			20,882
			$	346,892		$	1,547		$	18,725		$	329,714
	Held-to-maturity securities
	States and political subdivisions		$	27,839		$	756		$	-		$	28,595
	Certain investments in debt securities are reported in the financial statements at an amount less than their historical cost. Total fair value of these investments at December 31, 2014 and 2013 was approximately $326,013 and $269,691, which was approximately 78% and 75%, respectively, of the Corporation’s available-for-sale and held-to-maturity investment portfolio. The Corporation evaluates its investment portfolio on a quarterly basis for impairment. The analysis performed as of December 31, 2014 and December 31, 2013 indicated that all impairment was considered temporary, market driven due primarily to fluctuations in market interest rates and not credit-related.
	The following table shows the Corporation’s investments’ gross unrealized losses and fair value of the Corporation’s investments with unrealized losses that were not deemed to be other-than-temporarily impaired, aggregated by investment class and length of time that individual securities had been in a continuous unrealized loss position at December 31, 2014 and 2013 (dollars in thousands):
	31-Dec-14	Less than 12 months						12 months or greater						Total
		Fair			Unrealized			Fair			Unrealized			Fair		Unrealized
	Type of security	value			losses			value			losses			value		losses
	US government agencies	$	46,977		$	219		$	104,815		$	2,866		$	151,792	$	3,085
	US government sponsored agency mortgage backed securities		21,339			77			128,935			4,052			150,274		4,129
	States and political subdivisions		14,539			142			1,418			8			15,957		150
	Corporate bonds		4,783			17			3,207			37			7,990		54
		$	87,638		$	455		$	238,375		$	6,963		$	326,013	$	7,418
	31-Dec-13	Less than 12 months						12 months or greater						Total
		Fair			Unrealized			Fair			Unrealized			Fair		Unrealized
	Type of security	value			losses			value			losses			value		losses
	US government agencies	$	100,533		$	7,330		$	4,539		$	461		$	105,072	$	7,791
	US government sponsored agency mortgage backed securities		144,134			10,073			8,698			576			152,832		10,649
	States and political subdivisions		2,615			140			-			-			2,615		140
	Corporate bonds		8,590			121			582			24			9,172		145
		$	255,872		$	17,664		$	13,819		$	1,061		$	269,691	$	18,725
	As shown in the tables above, at December 31, 2014, the Corporation had approximately $7,418 in unrealized losses on $326,013 of securities. The unrealized loss positions are most significant in two types of securities sectors which are U.S. government agencies and U.S. government sponsored agency mortgage backed securities. The unrealized losses associated with these investment securities are driven by changes in interest rates and the unrealized loss is recorded as a component of equity. These securities will continue to be monitored as a part of our ongoing impairment analysis, but are expected to perform even if the rating agencies reduce the credit rating of the bond issuers. Management evaluates the financial performance of the issuers on a quarterly basis to determine if it is probable that the issuers can make all contractual principal and interest payments. If a shortfall in future cash flows is identified, a credit loss will be deemed to have occurred and will be recognized as a change to earnings and a new cost basis for the security will be established.
	The amortized cost and fair value of available-for-sale securities and held-to-maturity securities at December 31, 2014 and 2013, by contractual maturity, are shown below (dollars in thousands). Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties.
	31-Dec-14	Available-for-sale						Held to maturity
		Amortized			Estimated			Amortized			Estimated
		cost			fair value			cost			fair value
	Within one year	$	2,464		$	2,481		$	6,354		$	6,446
	One to five years		91,208			90,775			3,558			3,601
	Five to ten years		112,329			110,508			12,073			12,216
	After ten years		25,367			26,152			-			-
	Mortgage-backed securities		172,035			167,970			-			-
	Total	$	403,403		$	397,886		$	21,985		$	22,263
		Available-for-Sale						Held to Maturity
	31-Dec-13	Amortized			Estimated			Amortized			Estimated
		cost			fair value			cost			fair value
	Within one year	$	5,841		$	5,920		$	3,135		$	3,208
	One to five years		26,404			26,489			7,043			7,305
	Five to ten years		131,468			124,308			16,554			16,953
	After ten years		15,134			15,574			1,107			1,129
	Mortgage-backed securities		168,045			157,423			-			-
	Total	$	346,892		$	329,714		$	27,839		$	28,595
	The Corporation transferred one held-to-maturity bond with a net carrying value of $450 to available-for-sale classification during 2014. Under ASC 320-10-25-6, the Corporation had concluded that there was sufficient evidence of deteriorating credit worthiness. Immediately following the reclassification, the Corporation sold the bond recognizing a realized gain of $5.
	The carrying value of securities pledged as collateral to secure public deposits and for other purposes was $217,236 at December 31, 2014 and $210,494 at December 31, 2013.
	The book value of securities sold under agreements to repurchase amounted to $34,972 and $34,978 at December 31, 2014 and 2013, respectively.
	Gross gains of $737, $1,026 and $2,455 resulting from sales of available-for-sale securities were realized for the years ended December 31, 2014, 2013 and 2012, respectively. Losses of $85 were included in the net gain of $652 for December 31, 2014. A loss of $197 was included in the net gain of $829 for December 31, 2013. A loss of $161 was included in the net gain of $2,294 for December 31, 2012.

LOANS

LOANS	12 Months Ended
	Dec. 31, 2014
Receivables [Abstract]
LOANS	NOTE 4 – LOANS
	The following table presents the Bank’s loans by category as of December 31, 2014 and 2013 (dollars in thousands):
			December 31,			December 31,
			2014			2013
	Commercial:
	Commercial and industrial		$	99,788		$	94,702
	Non-farm, nonresidential real estate			163,461			176,213
	Construction and development			50,424			29,938
	Commercial loans secured by real estate			27,937			26,940
	Other commercial			41,185			26,582
	Total commercial			382,795			354,375
	Residential and consumer:
	Consumer loans			9,536			10,957
	Single family residential			229,559			213,763
	Other retail			30,162			27,671
	Total residential and consumer			269,257			252,391
				652,052			606,766
	Less:
	Allowance for possible loan losses			(7,934	)		(8,595	)
	Total net loans		$	644,118		$	598,171
	Loan Origination/Risk Management. The Corporation has certain lending policies and procedures in place that are designed to maximize loan income within an acceptable level of risk. Management reviews and approves these policies and procedures on a regular basis. A reporting system supplements the review process by providing management with frequent reports related to loan production, loan quality, concentrations of credit, loan delinquencies and non-performing and potential problem loans. Diversification in the loan portfolio is a means of managing risk associated with fluctuations in economic conditions.
	Commercial and industrial loans are underwritten after evaluating and understanding the borrower’s ability to operate profitably and prudently expand its business. Underwriting standards are designed to promote relationship banking rather than transactional banking. Once it is determined that the borrower’s management possesses sound ethics and solid business acumen, the Corporation’s management examines current and projected cash flows to determine the ability of the borrower to repay their obligations as agreed. Commercial and industrial loans are primarily made based on the identified cash flows of the borrower and secondarily on the underlying collateral provided by the borrower. The cash flows of borrowers, however, may not be as expected and the collateral securing these loans may fluctuate in value. Most commercial and industrial loans are secured by the assets being financed or other business assets such as accounts receivable or inventory and may incorporate a personal guarantee; however, some short-term loans may be made on an unsecured basis. In the case of loans secured by accounts receivable, the availability of funds for the repayment of these loans may be substantially dependent on the ability of the borrower to collect amounts due from its customers.
	Commercial real estate loans are subject to underwriting standards and processes similar to commercial and industrial loans, in addition to those of real estate loans. These loans are viewed primarily as loans secured by real estate. Commercial real estate lending typically involves higher loan principal amounts and the repayment of these loans is largely dependent on the successful operation of the property securing the loan or the business conducted on the property securing the loan. Commercial real estate loans may be more adversely affected by conditions in the real estate markets or in the general economy. Management monitors and evaluates commercial real estate loans based on collateral, geography and risk grade criteria. As a general rule, the Corporation avoids financing single-purpose projects unless other underwriting factors are present to help mitigate risk. The Corporation also utilizes third-party experts to provide insight and guidance about economic conditions and trends affecting market areas it serves. In addition, management tracks the level of owner-occupied commercial real estate loans versus non-owner occupied loans. At December 31, 2014, approximately thirty-six percent of the outstanding principal balance of the Corporation’s commercial real estate loans was secured by owner-occupied properties, compared to forty percent at December 31, 2013.
	With respect to loans to developers and builders that are secured by non-owner occupied properties that the Corporation may originate from time to time, the Corporation generally requires the borrower to have had an existing relationship with the Corporation and have a proven record of success. Construction loans are underwritten utilizing feasibility studies, independent appraisal reviews, sensitivity analysis of absorption and lease rates and financial analysis of the developers and property owners. Construction loans are generally based upon estimates of costs and value associated with the complete project. These estimates may be inaccurate. Construction loans often involve the disbursement of substantial funds with repayment substantially dependent on the success of the ultimate project. Sources of repayment for these types of loans may be pre-committed permanent loans from approved long-term lenders, sales of developed property or an interim loan commitment from the Corporation until permanent financing is obtained. These loans are closely monitored by on-site inspections and are considered to have higher risks than other real estate loans due to their ultimate repayment being sensitive to interest rate changes, governmental regulation of real property, general economic conditions and the availability of long-term financing.
	The Corporation originates residential and consumer loans utilizing a computer-based credit scoring analysis to supplement the underwriting process. To monitor and manage consumer loan risk, policies and procedures are developed and modified, as needed, jointly by line and staff personnel. This activity, coupled with relatively small loan amounts that are spread across many individual borrowers, minimizes risk. Additionally, trend and outlook reports are reviewed by management on a regular basis. Underwriting standards for home equity loans are heavily influenced by statutory requirements, which include, but are not limited to, a maximum loan-to-value percentage of 80%, collection remedies, the number of such loans a borrower can have at one time and documentation requirements.
	The Corporation contracts with a third party vendor to perform loan reviews. The Corporation reviews and validates the credit risk program on an annual basis. Results of these reviews are presented to management. The loan review process complements and reinforces the risk identification and assessment decisions made by lenders and credit personnel, as well as the Corporation’s policies and procedures.
	The goal of the Bank is to diversify loans to avoid a concentration of credit in a specific industry, person, entity, product, service, or any area vulnerable to a tax law change or an economic event. A concentration of credit occurs when obligations, direct or indirect, of the same or affiliated interests represent 15% or more of the Bank’s capital structure. Commercial real estate rental and leasing represented the highest concentration at 120% of tier 1 capital. The Board of Directors recognizes that the Bank’s geographic trade area imposes some limitations regarding loan diversification if the bank is to perform the function for which it has been chartered. Specifically, lending to qualified borrowers within the Bank’s trade area will naturally cause concentrations of real estate loans in the primary communities served by the Bank and loans to employees of major employers in the area.
	The following table provides details regarding the aging of the Bank’s loan portfolio (dollars in thousands):
	31-Dec-14			30 - 89 days			90 days and			Total past due			Current			Total loans
				past due			greater past
							due
	Retail:
	Consumer		$	79		$	42		$	121		$	9,415		$	9,536
	Single family residential			2,756			464			3,220			226,339			229,559
	Other retail			-			-			-			30,162			30,162
	Retail total			2,835			506			3,341			265,916			269,257
	Commercial:
	Commercial and industrial			326			1,428			1,754			98,034			99,788
	Non-farm, non-residential real estate			558			330			888			162,573			163,461
	Construction and development			-			-			-			50,424			50,424
	Commercial loans secured by real estate			148			172			320			27,617			27,937
	All other commercial			10			1,092			1,102			40,083			41,185
	Commercial total			1,042			3,022			4,064			378,731			382,795
	Total		$	3,877		$	3,528		$	7,405		$	644,647		$	652,052
	31-Dec-13			30 - 89 days			90 days and			Total past due			Current			Total loans
				past due			greater past
							due
	Retail
	Consumer loans		$	182		$	3		$	185		$	10,772		$	10,957
	Single family residential			3,805			83			3,888			209,875			213,763
	Other retail			319			28			347			27,324			27,671
	Retail total			4,306			114			4,420			247,971			252,391
	Commercial
	Commercial and industrial			428			1,328			1,756			92,946			94,702
	Non-farm, non-residential real estate			393			-			393			175,820			176,213
	Construction and development			-			28			28			29,910			29,938
	Commercial loans secured by real estate			38			178			216			26,724			26,940
	Other commercial			-			1,249			1,249			25,333			26,582
	Commercial total			859			2,783			3,642			350,733			354,375
	Total		$	5,165		$	2,897		$	8,062		$	598,704		$	606,766
	A loan is considered impaired, in accordance with the impairment accounting guidance (ASC 310-10-35-16), when based on current information and events, it is probable the Corporation will be unable to collect all amounts due from the borrower in accordance with the contractual terms of the loan. Impaired loans include nonperforming commercial loans but also include loans modified in troubled debt restructurings.
	The following table summarizes the impaired loans by loan type as of December 31, 2014 and 2013 (dollars in thousands):
	31-Dec-14			Unpaid			Recorded			Recorded			Total			Related			Average		*		Interest
				contractual			investment			investment			recorded			allowance			recorded		Interest		accrued
principal				with no			with			investment						investment			received
balance				allowance			allowance									year to date
Commercial:
Commercial and industrial			$	3,760		$	2,734		$	217		$	2,951		$	9		$	3,230	$	97	$	207
Non-farm, non-residential real estate				3,720			3,241			-			3,241			-			3,570		213		212
Commercial loans secured by real estate				1,053			564			166			730			33			826		67		77
Other commercial				1,256			1,092			-			1,092			-			1,171		89		84
Commercial total				9,789			7,631			383			8,014			42			8,797		466		580
Retail:
Single family residential				1,094			539			439			978			10			786		44		42
Other retail				425			411			-			411			-			369		17		19
Retail total				1,519			950			439			1,389			10			1,155		61		61
Total			$	11,308		$	8,581		$	822		$	9,403		$	52		$	9,952	$	527	$	641
31-Dec-13			Unpaid			Recorded			Recorded			Total			Related			Average		*		Interest
			contractual			investment			investment			recorded			allowance			recorded		Interest		accrued
			principal			with no			with			investment						investment		received
			balance			allowance			allowance									year to date
Commercial:
Commercial and industrial			$	2,190		$	1,338		$	234		$	1,572		$	16		$	1,620	$	23	$	134
Non-farm, non-residential real estate				3,236			1,155			1,551			2,706			282			2,819		157		168
Construction and development				461			461			-			461			44			556		30		30
Other commercial				3,834			3,310			178			3,488			-			3,704		225		241
Commercial total				9,721			6,264			1,963			8,227			342			8,699		435		573
Retail:
Single family residential				1,121			568			419			987			118			1,044		52		55
Other retail				11			-			11			11			11			11		-		-
Retail total				1,132			568			430			998			129			1,055		52		55
Total			$	10,853		$	6,832		$	2,393		$	9,225		$	471		$	9,754	$	487	$	628
* Interest income received is recognized interest income and approximates cash basis.
Non-accrual loans, segregated by class of loans, were as follows at December 31, 2014 and 2013 (dollars in thousands):
		31-Dec-14			31-Dec-13
Retail:
Consumer		$	42		$	21
Single family residential			2,237			1,667
Retail total			2,279			1,688
Commercial:
Commercial and industrial			1,428			1,649
Nonfarm, nonresidential			409			737
Construction and development			-			68
Commercial real estate			172			6
Other commercial			1,092			1,248
Commercial total			3,101			3,708
Total		$	5,380		$	5,396
Included in certain loan categories of impaired loans are certain loans that have been modified in a troubled debt restructuring where economic concessions have been granted to borrowers who have experienced financial difficulties. These concessions typically result from our loss mitigation activities and could include reductions in the interest rate, payment extensions, forgiveness of principal, forbearance or other actions. Modifications of terms for our loans and their inclusion as troubled debt restructurings are based on individual facts and circumstances. Loan modifications that are included as troubled debt restructurings may involve either an increase or reduction of the interest rate, extension of the term of the loan, or deferral of principal and/or interest payments, regardless of the period of the modification. All of the loans identified as troubled debt restructuring were modified due to financial stress of the borrower. In order to determine if a borrower is experiencing financial difficulty, an evaluation is performed to determine the probability that the borrower will be in payment default on any of its debt in the foreseeable future with the modification. This evaluation is performed under the Corporation’s internal underwriting policy.
When the Corporation modifies loans in a troubled debt restructuring, the Corporation evaluates any possible impairment similar to other impaired loans based on the present value of expected future cash flows, discounted at the contractual interest rate of the original loan or lease agreement, or the current fair value of the collateral, less selling costs for collateral dependent loans. If the Corporation determined that the value of the modified loan is less than the recorded investment in the loan, impairment is recognized through an allowance estimate or a charge-off to the allowance. In periods subsequent to modification, the Corporation evaluates all troubled debt restructurings, including those that have payment defaults, for possible impairment and recognize impairment through the allowance.
As of December 31, 2014, the Corporation did not have any commitments to extend additional funds to borrowers with loans modified and included as a troubled debt restructuring.
During 2014, certain loans were modified in troubled debt restructurings, where economic concessions were granted to borrowers consisting of reductions in the interest rates, payment extensions, forgiveness of principal, and forbearances.
Presented below, segregated by class of loans, are troubled debt restructurings that occurred during the twelve months ended December 31, 2014 and 2013:
		Twelve Months Ended December 31, 2014									Twelve Months Ended December 31, 2013
(dollars in thousands)		Number of			Post-			Net Charge-offs			Number of			Post-			Net Charge-offs
		Loans			Modification			Resulting from			Loans			Modification			Resulting from
					Outstanding			Modifications						Outstanding			Modifications
					Balance									Balance
Commercial:
Nonfarm nonresidential			1		$	4,357		$	-			-		$	-		$	-
Retail:
Consumer			-			-			-			3			8			-
Single family residential			1			316			3			3			167			6
Total troubled debt restructurings			2		$	4,673		$	3			6		$	175		$	6
The loan’s accrual status is assessed at the time of its modification. As a result of the assessment, the accrual status may be modified. Commercial and consumer loans modified in a troubled debt restructuring are closely monitored for delinquency as an early indicator of possible future default. If loans modified in a troubled debt restructuring subsequently default, the Corporation evaluates the loan for possible further impairment. The allowance for loan losses may be increased, adjustments may be made in the allocation of the allowance, or partial charge-offs may be taken to further write-down the carrying value of the loan. The Corporation considers a loan in default when it is 90 days or more past due or transferred to non-accrual.
As of December 31, 2014 and 2013, the Corporation did not have any loans that were modified in troubled debt restructurings during the past twelve months that have subsequently defaulted.
As of December 31, 2014, the Corporation held one foreclosed residential real estate property that was the result of obtaining physical possession in accordance with ASC 310-40. The carrying value was $5. In addition, the Corporation had no consumer mortgage loans secured by residential real estate properties for which formal foreclosure proceedings are in process according to location requirement of the applicable jurisdiction.
Credit Quality Indicators. As part of the on-going monitoring of the credit quality of the Corporation’s loan portfolio, management tracks certain credit quality indicators including trends related to (i) the weighted-average risk grade of commercial loans, (ii) the level of classified commercial loans, (iii) net charge-offs, (iv) non-performing loans and (v) the general economic conditions in the State of Tennessee.
The Corporation uses a risk grading matrix to assign a risk grade to each of its commercial loans. Loans are graded on a scale of 1 through 8. A description of the general characteristics of the eight risk grades is as follows:
Risk Rating 1           Minimal Risk
General Characteristics:
	•	Substantially risk free.
	•	Federal, state, or municipal subdivisions with acceptable investment grade credit rating.
	•	Large national, regional, or local entity with proven access to capital markets.
	•	Diversity in borrower’s line of business with stable and diversified sales base.
	•	Borrower is considered to be an industry leader with many consecutive years of strong profits and exhibits a financial condition, equity position, liquidity, and debt service capacity far exceeding industry norms.
	•	Borrower has an abundance of unpledged financeable assets coupled with superior cash generation capabilities.
	•	Industry conditions and trends are positive and strong.
	•	Borrower has strong management with evidence of management succession.
	•	A credit rating by Moody’s, Standard & Poor’s, or other qualified rating agency that is grade A or higher.
	•	A cash secured loan with the cash on deposit in the Corporation or a guaranty from the federal government also warrants this risk rating.
Risk Rating 2             Modest Risk
General Characteristics:
	•	Borrower shows strong profitability, liquidity, and capitalization better than industry norms and a strong market position in the region.
	•	Borrower may have limited access to public markets for short-term needs or capital requirements, but has ready access to alternative financing.
	•	Loans may be unsecured based on the financial strength of the borrower or secured by collateral that is considered liquid and marketable.
	•	Borrower has a proven history of profitability and financial stability.
	•	Borrower has a strong market position in its industry and has an abundance of financeable assets available to protect the Corporation’s position.
	•	Borrower has proven and steady management with good management succession.
	•	Borrower can withstand major market instabilities of short duration.
	•	Credit rating by Moody’s, Standard & Poor’s, or other qualified rating agency that is grade BAA or higher.
Risk Rating 3             Average Risk
General Characteristics:
	•	Borrower shows a stable earnings history and financial condition in line with industry norms with indications that these trends will continue.
	•	The credit extension is considered sound; however, elements may be present which suggest the borrower may not be free from temporary impairments in the future.
	•	Borrower’s liquidity and leverage is in line with industry norms.
	•	Borrower has good management with acceptable management succession.
	•	Under most economic and business conditions, borrower has access to alternative financing but limited or no access to capital markets for short-term or capital needs.
	•	Borrower may be an individual with a sound financial condition and liquidity with proven historical income to repay the debt as scheduled.
	•	Credit extensions are generally secured by acceptable collateral.
Risk Rating 4       Acceptable Risk
General Characteristics:
	•	Credit is to a borrower with smaller margins of debt service coverage and with some elements of reduced financial strength.
	•	Borrower is generally in a lower average market position in its industry.
	•	Borrower shows satisfactory asset quality and liquidity, good debt capacity and coverage, and good management in critical positions.
	•	Borrower’s management is of unquestioned character but management succession may be questionable.
	•	Borrower can obtain similar financing from other financial institutions.
	•	Interim losses or moderately declining earnings trends may occur, but the borrower has sufficient strength and financial flexibility to offset these issues.
	•	Credit may be to individuals with a moderately leveraged financial condition but with satisfactory liquidity and income to cover debt repayment requirements.
	•	Business borrowers may have moderate leverage, but must have historically consistent cash flow to cover debt service and other operating needs.
	•	Business borrowers may also have erratic or cyclical operating performances but should demonstrate strong equity positions to support these profitability swings.
	•	Asset-based loans that have stabilized and proven performance with the financial capacity to provide for annual clean up may qualify for this rating.
	•	Borrower has no access to capital markets but would be financeable by another financial institution or finance company.
	•	Credit extensions are generally secured by acceptable collateral.
Risk Rating 5             Pass / Watch
General Characteristics:
Loans considered for this risk rating require a heightened level of supervision.
A) Transitional, Event Driven – This category of risk rated 5 loans captures responses to early warning signals from a relationship and, therefore, signifies a specific, event-driven, transitional credit grade. The event is generally something unplanned or unexpected such as a death, a disaster, the loss of a major client, product line, or key employee or the divorce or development of a health condition of the owner or key management person. This category may be used in transitional upgrades as well as transitional downgrades of credit relationships.  Under these criteria, this category necessitates a plan of action to either upgrade the credit to a “Pass” rating (i.e., Risk Rating 1-4), downgrade the credit to a criticized asset, or exit the relationship within six months.
B) Ongoing Supervision Warranted – This category may also be utilized to identify loans having inherent characteristics which warrant more than the normal level of supervision.  Loans meeting these criteria may include larger, more complex loans with unusual structures.  Loans, which, due to structure or nature of the collateral require above average servicing, may also be considered for this risk rating.  Unlike other criteria listed previously for this category, these particular characteristics tend not to be one-time or transitional in nature; therefore, these loans may be expected to remain in this risk rating category longer than six months.  A loan might remain in this risk rating category for its life or until the characteristic warranting the rating can be eliminated or effectively mitigated.
	•	Borrower may exhibit declining earnings, strained cash flow, increasing leverage, or weakening market positions that indicate a trend toward an unacceptable risk.
	•	Borrower’s liquidity, leverage, and earnings performance is below or trending below industry norms.
	•	Interim losses and other adverse trends may occur but not to the level that would impair the Corporation’s position.
	•	Borrower may be a newly formed company or in a new line of business or may be an established business with new or unproven management.  Borrower should be adequately capitalized, but may not yet have achieved stabilized cash flow.
	•	Borrower generally has a small market position in its industry.
	•	Borrower may be engaged in an industry that is experiencing an economic downturn or is particularly susceptible to uncontrollable external factors.
	•	Borrower management is of good character although some management weakness may exist, including lack of depth or succession.
	•	Borrower generally has limited additional debt capacity and modest coverage, and average or below-average asset quality, margins, and market share.
	•	Borrower’s ability to obtain financing from other financial institutions may be impaired.
	•	Credit to individuals with marginal financial condition and liquidity but with income still sufficient to service the debt.
Risk Rating 6             Special Mention
A special mention asset has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the institution’s credit position at some future date. Special mention assets are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification.
General Characteristics:
	•	Borrower’s cash flow may not be sufficient to fund anticipated cash needs.
	•	Sufficient or modestly sufficient financeable assets are available to protect the Corporation’s position.
	•	Adverse trends in borrower’s operations/profits or unbalanced position in borrower’s balance sheet but not to the point where repayment is in jeopardy.
	•	Borrower generally shows limited liquidity or high leverage.
	•	Borrower’s financial position is in the lower quartile of industry norms.
	•	Borrower’s business exhibits a deteriorating market position in the industry.
	•	Borrower’s management lacks depth and succession.
	•	Business is unable to withstand temporary setbacks without affecting repayment capability.
	•	Borrower is not financeable by another bank but possibly by a finance company or specialized lender.
Risk Rating 7             Substandard
A substandard asset is inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Assets so classified must have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Corporation will sustain some loss if the deficiencies are not corrected.
General Characteristics:
	•	The primary source of borrower’s repayment no longer provides satisfactory support and repayment is dependent on secondary sources.
	•	A substandard loan is inadequately protected by the current sound worth and paying capacity of the obligor or by the collateral pledged, if any.
	•	Normal repayment from the borrower is impaired although no loss of principal is envisioned.
	•	A partial loss of interest or principal will occur if the borrower’s deficiencies are not corrected.
	•	Borrower’s cash flow is generally not sufficient to fund anticipated cash needs.
	•	Borrower’s financeable assets may not be sufficient to protect the Corporation’s position.
	•	Adverse trends in borrower’s operations that jeopardized debt repayment may require the borrower to undertake a significant reorganization of financing or the business.
	•	Borrower shows poor liquidity and high leverage impairing the repayment of the debt in accordance with agreed upon terms.
	•	Borrower’s management lacks depth and succession; may be inexperienced or of questionable character.
	•	Borrower’s market position in the industry is deteriorating.
	•	Borrower is not financeable by another bank or finance company.
Risk Rating 8             Doubtful
An asset classified as doubtful has all the weaknesses inherent in one classified substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.
General Characteristics:
	•	Inadequate primary source of repayment.  Assumes a less than satisfactory secondary source of repayment on a most-likely case basis.  There may be adequate secondary source of repayment on a best-case basis.
	•	Borrower has the same weaknesses found in Substandard borrowers.
	•	Loss probability is extremely high but because of certain important and reasonably specific factors that may work to strengthen the loan, its classification as an estimated loss is deferred until a more exact status may be determined.
	•	Pending factors may include a proposed merger or acquisition; liquidation procedures; capital injections; perfecting liens on additional collateral; and refinancing plans.
	•	Borrower’s cash flow is insufficient to fund cash needs.
	•	Borrower’s financeable assets are insufficient to protect the Corporation’s position.
	•	Borrower’s source of debt repayment is dependent on liquidation of assets with a probable loss.
	•	Borrower may no longer be a going concern, or may not exist as a going concern for the foreseeable future.
	•	No alternative financing sources exist for borrower.
The following table presents risk grades and classified loans by class for years ended December 31, 2014 and 2013 (dollars in thousands):
31-Dec-14		Commercial			Non-farm, non-			Construction			Commercial			All other			Commercial
Commercial loan portfolio:		and industrial			residential real			and			loans secured			commercial			loan totals
Credit risk profile by internally					estate loans			development			by residential			loans
assigned grade											R/E
Pass		$	97,218		$	159,136		$	50,424		$	27,610		$	39,923		$	374,311
Special mention			-			958			-			-			170			1,128
Substandard			2,570			3,367			-			327			1,092			7,356
Doubtful			-			-			-			-			-			-
TOTALS		$	99,788		$	163,461		$	50,424		$	27,937		$	41,185		$	382,795
Retail loan portfolio: Credit		Consumer			Single-family			All other			Retail loan
risk profiles based on		loans			residential**			retail loans			totals
delinquency status classification
Performing		$	9,494		$	226,637		$	29,683		$	265,814
Non-performing*			42			2,922			479			3,443
TOTALS		$	9,536		$	229,559		$	30,162		$	269,257
*Loans are classified as non-performing loans and are automatically placed on non-accrual status once they reach 90 days past due. For the purposes of this table all loans graded substandard or below are included in non-performing loans.
**Single-family residential loans includes first mortgages, closed-end second mortgages, residential construction loans, and home equity lines of credit (HELOC’s).
31-Dec-13		Commercial			Non-farm, non-			Construction			Commercial			All other			Commercial
Commercial loan portfolio:		and industrial			residential real			and			loans secured			commercial			loan totals
Credit risk profile by internally					estate loans			development			by residential			loans
assigned grade											R/E
Pass		$	92,155		$	170,585		$	29,463		$	26,516		$	24,131		$	342,850
Special mention			836			3,883			-			-			179			4,898
Substandard			635			1,745			475			424			1,023			4,302
Doubtful			1,076			-			-			-			1,249			2,325
TOTALS		$	94,702		$	176,213		$	29,938		$	26,940		$	26,582		$	354,375
Retail loan portfolio: Credit		Consumer			Single-family			All other			Retail loan
risk profiles based on		loans			residential**			retail loans			totals
delinquency status classification
Performing		$	10,936		$	212,096		$	27,643		$	250,675
Non-performing*			21			1,667			28			1,716
TOTALS		$	10,957		$	213,763		$	27,671		$	252,391
*Loans are classified as non-performing loans and are automatically placed on non-accrual status once they reach 90 days past due. For the purposes of this table all loans graded substandard or below are included in non-performing loans.
**Single-family residential loans includes first mortgages, closed-end second mortgages, residential construction loans, and home equity lines of credit (HELOC’s).

ALLOWANCE_FOR_LOAN_AND_LEASE_L

ALLOWANCE FOR LOAN AND LEASE LOSSES	12 Months Ended
	Dec. 31, 2014
Allowance For Loan And Lease Losses [Abstract]
ALLOWANCE FOR LOAN AND LEASE LOSSES	NOTE 5 – ALLOWANCE FOR LOAN AND LEASE LOSSES
	Allowance for Loan and Lease Losses. The allowance for loan and lease losses (“ALLL”) is a reserve established through a provision for possible loan losses charged to expense, which represents management’s best estimate of probable losses that have been incurred within the existing portfolio of loans. The allowance, in the judgment of management, is necessary to reserve for estimated loan losses and risks inherent in the loan portfolio. The Corporation’s allowance for possible loan loss methodology includes allowance allocations calculated in accordance with ASC Topic 310, “Receivables” and allowance allocations calculated in accordance with ASC Topic 450, “Contingencies.” Accordingly, the methodology is based on historical loss experience by type of credit and internal risk grade, specific homogeneous risk pools and specific loss allocations, with adjustments for current events and conditions. The Corporation’s process for determining the appropriate level of the allowance for possible loan losses is designed to account for credit deterioration as it occurs. The provision for possible loan losses reflects loan quality trends, including the levels of and trends related to nonaccrual loans, past due loans, potential problem loans, criticized loans and net charge-offs or recoveries, among other factors. The provision for possible loan losses also reflects the totality of actions taken on all loans for a particular period. In other words, the amount of the provision reflects not only the necessary increases in the allowance for possible loan losses related to newly identified criticized loans, but it also reflects actions taken related to other loans including, among other things, any necessary increases or decreases in required allowances for specific loans or loan pools.
	The level of the allowance reflects management’s continuing evaluation of industry concentrations, specific credit risks, loan loss experience, current loan portfolio quality, present economic, political and regulatory conditions and unidentified losses inherent in the current loan portfolio. Portions of the allowance may be allocated for specific credits; however, the entire allowance is available for any credit that, in management’s judgment, should be charged off. While management utilizes its best judgment and information available, the ultimate adequacy of the allowance is dependent upon a variety of factors beyond the Corporation’s control, including, among other things, the performance of the Corporation’s loan portfolio, the economy, changes in interest rates and the view of the regulatory authorities toward loan classifications.
	The Corporation’s allowance for possible loan losses consists of three elements: (i) specific valuation allowances determined in accordance with ASC Topic 310 based on probable losses on specific loans; (ii) historical valuation allowances determined in accordance with ASC Topic 450 based on historical loan loss experience for similar loans with similar characteristics and trends, adjusted, as necessary, to reflect the impact of current conditions; and (iii) general valuation allowances determined in accordance with ASC Topic 450 based on general economic conditions and other qualitative risk factors both internal and external to the Corporation.
	The allowances established for probable losses on specific loans are based on a regular analysis and evaluation of problem loans. Commercial loans are classified based on an internal credit risk grading process that evaluates, among other things: (i) the obligor’s ability to repay; (ii) the underlying collateral, if any; and (iii) the economic environment and industry in which the borrower operates. This analysis is performed at the relationship manager level for all commercial loans. When a loan has a calculated grade of 7 or higher, a special assets officer analyzes the loan to determine whether the loan is impaired and, if impaired, the need to specifically allocate a portion of the allowance for possible loan losses to the loan. Specific valuation allowances are determined by analyzing the borrower’s ability to repay amounts owed, collateral deficiencies, the relative risk grade of the loan and economic conditions affecting the borrower’s industry, among other things.
	Historical valuation allowances are calculated based on the historical loss experience of specific types of loans and the internal risk grade of such loans at the time they were charged-off. The Corporation calculates historical loss ratios for pools of similar loans with similar characteristics based on the proportion of actual charge-offs experienced to the total population of loans in the pool. The historical loss ratios are periodically updated based on actual charge-off experience. A historical valuation allowance is established for each pool of similar loans based upon the product of the historical loss ratio and the total dollar amount of the loans in the pool. The Corporation’s pools of similar loans include similarly risk-graded groups of commercial and industrial loans, commercial real estate loans, consumer real estate loans and consumer and other loans.
	The components of the general valuation allowance include (i) the additional reserves allocated to specific loan portfolio segments as a result of applying an environmental risk adjustment factor to the base historical loss allocation and (ii) the additional reserves that are not allocated to specific loan portfolio segments including allocations for groups of similar loans with risk characteristics that exceed certain concentration limits established by management.
	There is an inherent imprecision in calculating the specific portion of the ALLL. Therefore, a factor has been added to the allocation of each of the identified segments of the loan portfolio to account for the imprecision.
	Included in the general valuation allowances are allocations for groups of similar loans with risk characteristics that exceed certain concentration limits established by management. Concentration risk limits have been established, among other things, for certain industry concentrations, large balance and highly leveraged credit relationships that exceed specified risk grades, and loans originated with policy exceptions that exceed specified risk grades.
	The allowance for loan losses is maintained at a level considered adequate to provide for the losses that can be reasonably anticipated. Management’s periodic evaluation of the adequacy of the allowance is based on the Corporation’s past loan loss experience, know and inherent risks in the portfolio, adverse situations that may affect the borrower’s ability to repay, the estimated value of any underlying collateral, composition of the loan portfolio, current economic conditions and other relevant factors. This evaluation is inherently subjective as it requires material estimates that may be susceptible to change. The Corporation uses a rolling ten quarters historic loss period for all segments when estimating the historic charge off rates calculated in accordance with ASC Topic 450 and incorporates environmental factors for various components such as economic conditions, trends in delinquencies, loan review assessments, credit concentrations and level of underperforming ratios.
	General valuation allowances are based on general economic conditions and other qualitative risk factors both internal and external to the Corporation. In general, such valuation allowances are determined by evaluating, among other things: (i) the experience, ability and effectiveness of the bank’s lending management and staff; (ii) the effectiveness of the Corporation’s loan policies, procedures and internal controls; (iii) changes in asset quality; (iv) changes in loan portfolio volume; (v) the composition and concentrations of credit; (vi) the impact of competition on loan structuring and pricing; (vii) the effectiveness of the internal loan review function; (viii) the impact of environmental risks on portfolio risks; and (ix) the impact of changes to interest rates on portfolio risk. Management evaluates the degree of risk that each one of these components has on the quality of the loan portfolio on a quarterly basis. Each component is determined to have either a high, moderate or low degree of risk. The results are then input into a “general allocation matrix” to determine an appropriate general valuation allowance.
	Included in the general valuation allowances are allocations for groups of similar loans with risk characteristics that exceed certain concentration limits established by management. Concentration risk limits have been established, among other things, for certain industry concentrations, large balance and highly leveraged credit relationships that exceed specified risk grades, and loans originated with policy exceptions that exceed specified risk grades.
	Loans identified as losses by management and internal loan review are charged off. Furthermore, consumer loan accounts are charged off automatically based on regulatory requirements.
	The following table summarizes the allocation in the ALLL by loan segment for the years ended December 31, 2014, 2013 and 2012 (dollars in thousands):
	31-Dec-14	Commercial		Residential			Consumer			Totals
				real estate			and other
							retail
	Beginning balance	$	7,359	$	1,084		$	152		$	8,595
	Less: Charge-offs		739		41			11			791
	Add: Recoveries		99		10			21			130
	Add: Provisions		-		-			-			-
	Ending balance	$	6,719	$	1,053		$	162		$	7,934
	31-Dec-13	Commercial		Residential			Consumer			Totals
				real estate			and other
							retail
	Beginning balance	$	7,528	$	1,109		$	172		$	8,809
	Less: Charge-offs		222		27			49			298
	Add: Recoveries		53		2			29			84
	Add: Provisions		-		-			-			-
	Ending balance	$	7,359	$	1,084		$	152		$	8,595
	31-Dec-12	Commercial		Residential			Consumer			Totals
				real estate			and other
							retail
	Beginning balance	$	6,895	$	2,113		$	192		$	9,200
	Less: Charge-offs		1,690		176			19			1,885
	Add: Recoveries		364		2			8			374
	Add: Provisions		1,959		(830	)		(9	)		1,120
	Ending balance	$	7,528	$	1,109		$	172		$	8,809
	The following tables detail the amount of the ALLL allocated to each portfolio segment as of December 31, 2014, 2013 and 2012, disaggregated on the basis of the Corporation’s impairment methodology (dollars in thousands):
	31-Dec-14	Commercial		Residential			Consumer and			Totals
				real estate			other retail
	Loans individually evaluated for impairment	$	42	$	10		$	-		$	52
	Loans collectively evaluated for impairment		6,677		1,043			162			7,882
	Total	$	6,719	$	1,053		$	162		$	7,934
	31-Dec-13	Commercial		Residential			Consumer and			Totals
				real estate			other retail
	Loans individually evaluated for impairment	$	342	$	118		$	11		$	471
	Loans collectively evaluated for impairment		7,017		966			141			8,124
	Total	$	7,359	$	1,084		$	152		$	8,595
	31-Dec-12	Commercial		Residential			Consumer and			Totals
				real estate			other retail
	Loans individually evaluated for impairment	$	221	$	82		$	-		$	303
	Loans collectively evaluated for impairment		7,307		1,027			172			8,506
	Total	$	7,528	$	1,109		$	172		$	8,809
	The following table shows loans as of December 31, 2014, 2013 and 2012 related to each balance in the allowance for possible loan losses by portfolio segment and disaggregated on the basis of the Bank’s impairment methodology (dollars in thousands):
	31-Dec-14	Commercial		Residential			Consumer and			Totals
				real estate			other retail
	Loans individually evaluated for impairment	$	8,014	$	978		$	411		$	9,403
	Loans collectively evaluated for impairment		374,781		228,170			39,698			642,649
	Ending balance	$	382,795	$	229,148		$	40,109		$	652,052
	31-Dec-13	Commercial		Residential			Consumer and			Totals
				real estate			other retail
	Loans individually evaluated for impairment	$	8,227	$	987		$	11		$	9,225
	Loans collectively evaluated for impairment		346,148		212,776			38,617			597,541
Ending balance	$	354,375	$	213,763		$	38,628		$	606,766
31-Dec-12	Commercial		Residential			Consumer and			Totals
			real estate			other retail
Loans individually evaluated for impairment	$	7,627	$	1,015		$	-		$	8,642
Loans collectively evaluated for impairment		328,298		195,334			34,885			558,517
Ending balance	$	335,925	$	196,349		$	34,885		$	567,159

PREMISES_AND_EQUIPMENT

PREMISES AND EQUIPMENT	12 Months Ended
	Dec. 31, 2014
Property, Plant and Equipment [Abstract]
PREMISES AND EQUIPMENT	NOTE 6 – PREMISES AND EQUIPMENT
	The following table presents the Corporation’s assets by category at December 31, 2014 and 2013 (dollars in thousands):
		2014			2013
	Land	$	9,152		$	8,223
	Premises		22,858			22,765
	Furniture and equipment		9,738			9,367
	Leasehold improvements		1,859			1,095
			43,607			41,450
	Less allowance for depreciation and amortization		(17,834	)		(16,582	)
		$	25,773		$	24,868

RELATED_PARTY_TRANSACTIONS

RELATED PARTY TRANSACTIONS	12 Months Ended
	Dec. 31, 2014
Related Party Transactions [Abstract]
RELATED PARTY TRANSACTIONS	NOTE 7 – RELATED PARTY TRANSACTIONS
	Certain related parties (primarily directors and officers of the Corporation or the Bank, including their affiliates, families and companies in which they hold 10% or more ownership) were customers of, and had loans and other transactions with, the Bank in the ordinary course of business. An analysis of the activity with respect to such loans for the years ended December 31, 2014 and 2013 is shown in the table below. These totals exclude loans made in the ordinary course of business to other companies with which neither the Corporation nor the Bank had a relationship other than the association of one of its directors in the capacity of officer or director. These loan transactions were made on substantially the same terms as those prevailing at the time for comparable loans to other persons. They did not involve more than the normal risk of collectability or present other unfavorable features. No related party loans were charged off in 2014 or 2013.
	Activity for related party transactions during 2014 and 2013 is as follows (dollars in thousands):
		2014			2013
	Related party extensions of credit, beginning of period	$	3,822		$	3,831
	New loans		2,081			1,116
	Repayments		(1,129	)		(1,125	)
	Related party extension of credit, end of period	$	4,774		$	3,822
	The aggregate balances of related party deposits at December 31, 2014 and 2013 were $24,536 and $15,724, respectively.
	The aggregate balances of related party repurchase agreements at December 31, 2014 and 2013 were $13,100 and $9,079, respectively.
	The Corporation and Bank utilize various services and purchased goods provided by certain related parties. Significant services provided by directors during 2014 and 2013 totaled $170 and $152, respectively.

LEASES

LEASES	12 Months Ended
	Dec. 31, 2014
Leases [Abstract]
LEASES	NOTE 8 – LEASES
	Real property for three of the Bank’s office locations and certain equipment are leased under noncancelable operating leases expiring at various times through 2028. In most cases, the leases provide for one or more renewal options of five to ten years under the same or similar terms. In addition, various items of office equipment are leased under cancelable operating leases. Total rental expense incurred under all operating leases, including short-term leases with terms of less than one month, amounted to approximately $27, $18 and $12 for equipment leases and approximately $304, $264 and $283 for building leases in 2014, 2013 and 2012, respectively. Future minimum lease commitments as of December 31, 2014 under all noncancelable operating leases with initial terms of one year or more are shown in the following table (dollars in thousands):
	Year	Lease payments
	2015	$	350
	2016		346
	2017		310
	2018		291
	2019		295
	Thereafter		3,482
	Total	$	5,074

FEDERAL_AND_STATE_INCOME_TAXES

FEDERAL AND STATE INCOME TAXES	12 Months Ended
	Dec. 31, 2014
Income Tax Disclosure [Abstract]
FEDERAL AND STATE INCOME TAXES	The following table presents components of income tax expense attributable to continuing operations for the years ended December 31, 2014, 2013 and 2012 (dollars in thousands):
		2014			2013			2012
	Current	$	3,011		$	915		$	2,256
	Deferred		545			1,785			784
	Total provision for income taxes	$	3,556		$	2,700		$	3,040
	Deferred tax effects of principal temporary differences	2014			2013			2012
	Allowance for possible loan losses	$	3,055		$	3,309		$	3,392
	Deferred compensation		2,557			2,516			2,420
	Write down of other real estate		9			314			1,152
	Deferred gain on OREO sale		-			188			202
	Amortization of core deposit intangible		(1,577	)		(272	)		423
	Recognition of nonaccrual loan income		129			111			152
	Unrealized gains (losses) on available-for-sale securities		2,124			6,613			(2,212	)
	Post retirement benefit obligation		986			890			2,857
	Accelerated depreciation		(973	)		(822	)		(630	)
	Amortization of goodwill		(1,109	)		(2,591	)		(2,376	)
	Alternative minimum tax		-			-			402
	Dividend income - F&M West		-			(372	)		(219	)
	Prepaid expense		(135	)		(178	)		(185	)
	Other		31			240			(370	)
	Net deferred tax asset	$	5,097		$	9,946		$	5,008
	Reconciliation of total income taxes reported with the amount of income taxes computed at the Federal statutory rate (34% each year)	2014			2013			2012
	Tax expense at statutory rate	$	4,692		$	4,191		$	4,236
	Increase (decrease) in taxes resulting from:
	Tax exempt interest		(1,060	)		(1,144	)		(1,275	)
	Nondeductible interest expense		14			18			29
	Employee benefits		(128	)		(196	)		(240	)
	Other nondeductible expenses		38			11			32
	State income taxes net of federal tax benefit		-			-			41
	Dividend income exclusion		-			-			(1	)
	Other		-			(180	)		218
	Total provision for income taxes	$	3,556		$	2,700		$	3,040
	Effective tax rate		25.8	%		21.9	%		24.4	%
	The Corporation and its subsidiary file consolidated income tax returns with the Internal Revenue Service and State of Tennessee. The Corporation is not subject to U.S. federal, state and local, or non-U.S. income tax examinations by tax authorities for years before 2011. There was no valuation allowance for deferred tax assets at December 31, 2014 and 2013. Management believes it is more-likely-than-not that all of the deferred tax assets will be realized because they were supported by recoverable taxes paid in prior years.

BORROWED_FUNDS

BORROWED FUNDS	12 Months Ended
	Dec. 31, 2014
Debt Disclosure [Abstract]
BORROWED FUNDS	NOTE 10 – BORROWED FUNDS
	The Bank is a party to the Blanket Agreement for Advances and Security Agreement (the “Blanket Agreement”) with the Federal Home Loan Bank of Cincinnati (the “FHLB”). Advances made to the Bank under the Blanket Agreement are collateralized by the FHLB stock and qualifying residential mortgage loans totaling 150% of the outstanding amount borrowed. These collateralization matters are outlined in the Blanket Agreement dated June 20, 2006 between the Bank and the FHLB. There were no outstanding advances at December 31, 2014 and 2013.
	Stock held in the FHLB totaling $3,009 at December 31, 2014 is carried at cost. The stock is restricted and can only be sold back to the FHLB at par.
	The Bank has a Cash Management Advance Line of Credit Agreement (the “CMA”) dated June 21, 2010, with the Federal Home Loan Bank. The CMA is a component of the Blanket Agreement. The purpose of the CMA is to assist with short-term liquidity management. Under the terms of the CMA, the Bank may borrow a maximum of $40 million selecting a variable rate of interest for up to 90 days or a fixed rate for a maximum of 30 days. There were no borrowings outstanding under the CMA as of December 31, 2014
	Short-term borrowings included the following at December 31: (dollars in thousands)
			2014		2013
	Securities sold under repurchase agreements	$	22,834	$	18,095
	Securities sold under agreements to repurchase consist of obligations of the Bank to other parties. The obligations are secured by investment securities and such collateral is held by in safekeeping by a third party. The maximum amount of outstanding agreements at any month end during 2014 and 2013 totaled $24,381 and $22,359, respectively, and the monthly average of such agreements totaled $21,408 and $19,052 for 2014 and 2013, respectively. The agreements at December 31, 2014, mature January 2, 2015.

SIGNIFICANT_ESTIMATES_COMMITME

SIGNIFICANT ESTIMATES, COMMITMENTS AND CONTINGENCIES	12 Months Ended
	Dec. 31, 2014
Commitments and Contingencies Disclosure [Abstract]
SIGNIFICANT ESTIMATES, COMMITMENTS AND CONTINGENCIES	NOTE 11 – SIGNIFICANT ESTIMATES, COMMITMENTS AND CONTINGENCIES
	Accounting principles generally accepted in the United States of America require disclosure of certain significant estimates and current vulnerabilities due to certain concentrations. Estimates related to the ALLL are reflected in the footnote regarding loans. Other significant estimates and concentrations not discussed in those footnotes include:
	General Litigation
	The Corporation is subject to claims and lawsuits that arise primarily in the ordinary course of business. It is the opinion of management that the disposition or ultimate resolution of such claims and lawsuits will not have a material adverse effect on the consolidated financial position, results of operations and cash flows of the Corporation.
	Pension and Other Postretirement Benefit Obligations
	The Corporation has a noncontributory defined benefit postretirement health care plan whereby it agrees to provide certain postretirement benefits to eligible employees. The benefit obligation is the actuarial present value of all benefits attributed to service rendered prior to the valuation date based on the projected unit credit cost method. It is reasonably possible that events could occur that would change the estimated amount of this liability materially in the near term.
	Current Economic Conditions
	The current economic climate continues to present financial institutions with circumstances and challenges which in some cases have resulted in large and unanticipated declines in the fair values of investments and other assets, constraints on liquidity and capital and significant credit quality problems, including volatility in the valuation of real estate and other collateral supporting loans.
	The accompanying financial statements have been prepared using values and information currently available to the Corporation.
	Given the volatility of current economic conditions, the values of assets and liabilities recorded in the financial statements could change rapidly, resulting in material future adjustments in asset values, the ALLL and capital that could negatively impact the Corporation’s ability to meet regulatory capital requirements and maintain sufficient liquidity. Furthermore, the Corporation’s regulators could require material adjustments to asset values or the allowance for loan losses for regulatory capital purposes that could affect the Corporation’s measurement of regulatory capital and compliance with the capital adequacy guidelines under the regulatory framework for prompt corrective action.
	Commitments and Credit Risk
	The Corporation grants commercial, consumer and residential loans to customers throughout the State of Tennessee. The Bank is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. Those instruments involve, to varying degrees, elements of credit risk in excess of the amount recognized in the balance sheet. The contract or notional amounts of those instruments reflect the extent of involvement the Bank has in those particular financial instruments.
	Commitments to Originate Loans
	Commitments to originate loans 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 a portion of the commitments may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. Each customer’s creditworthiness is evaluated on a case-by-case basis. The amount of collateral obtained, if deemed necessary, is based on management’s credit evaluation of the counterparty. Collateral held varies, but may include accounts receivable, inventory, property, plant and equipment, commercial real estate and residential real estate.
	Mortgage loans in the process of origination represent amounts that the Corporation plans to fund within a normal period of 30 to 90 days, and which are intended for sale to investors in the secondary market. Total mortgage loans in process of origination were $3,271 and $407, at December 31, 2014 and 2013, respectively. Total mortgage loans held for sale amounted to $354 and $327, at December 31, 2014 and 2013, respectively.
	Standby Letters of Credit
	Standby letters of credit are irrevocable conditional commitments issued by the Corporation to guarantee the performance of a customer to a third party. Financial standby letters of credit are primarily issued to support public and private borrowing arrangements, including commercial paper, bond financing and similar transactions. Performance standby letters of credit are issued to guarantee performance of certain customers under nonfinancial contractual obligations. The credit risk involved in issuing standby letters of credit is essentially the same as that involved in extending loans to customers. Should the Corporation be obligated to perform under the standby letters of credit, the Corporation may seek recourse from the customer for reimbursement of amounts paid.
	The Corporation had total outstanding standby letters of credit amounting to $13,522 and $11,384, at December 31, 2014 and 2013, respectively, with terms ranging from seven days to 24 months.
	Lines of Credit
	Lines of credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Lines of credit generally have fixed expiration dates. Since a portion of the line may expire without being drawn upon, the total unused lines do not necessarily represent future cash requirements. Each customer’s creditworthiness is evaluated on a case-by-case basis. The amount of collateral obtained, if deemed necessary, is based on management’s credit evaluation of the counterparty. Collateral held varies but may include accounts receivable, inventory, property, plant and equipment, commercial real estate and residential real estate. Management uses the same credit policies in granting lines of credit as it does for on-balance-sheet instruments.
	At December 31, 2014, the Corporation had granted unused lines of credit to borrowers aggregating approximately $41,018 and $104,428 for commercial lines and open-end consumer lines, respectively. At December 31, 2013, unused lines of credit to borrowers aggregated approximately $79,150 for commercial lines and $44,318 for open-end consumer lines.

REGULATORY_MATTERS

REGULATORY MATTERS	12 Months Ended
	Dec. 31, 2014
Regulatory Capital Requirements Under Banking Regulations [Abstract]
REGULATORY MATTERS	NOTE 12 – REGULATORY MATTERS
	The Corporation and the Bank are subject to federal regulatory risk-based capital adequacy standards. Failure to meet capital adequacy requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that could have a material adverse effect on the operating results and financial condition of the Corporation and the Bank. The applicable regulations require the Bank to meet specific capital adequacy guidelines that involve quantitative measures of assets, liabilities and certain off-balance-sheet items as calculated under regulatory accounting practices. The capital classification is also subject to qualitative judgments by the regulators about components, risk weightings and other factors.
	Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Corporation and the Bank must meet specific capital guidelines that involve quantitative measures of the assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. Actual capital amounts and ratios are presented in the table below (dollars in thousands). Management believes, as of December 31, 2014, that the Corporation and the Bank met the guidelines to which they were subject.
	(Dollars in thousands)			Actual					For minimum capital					Minimum to Be Well Capitalized
									adequacy purposes					under Prompt Corrective Action Provisions
	31-Dec-14			Amount		Ratio			Amount		Ratio			Amount		Ratio
	Total capital (to Risk weighted
	assets)	Consolidated		$	115,532		14.8	%	$	62,628		8	%	$	-		-
		Bank			112,554		14.4	%		62,628		8	%		78,285		10	%
	Tier I capital (to Risk weighted
	assets)	Consolidated			107,598		13.7	%		31,314		4	%		-		-
		Bank			104,620		13.4	%		31,314		4	%		46,971		6	%
	Tier I capital (to Average
	assets)	Consolidated			107,598		9.7	%		44,513		4	%		-		-
		Bank			104,620		9.2	%		45,707		4	%		57,133		5	%
	31-Dec-13
	Total capital (to Risk weighted
	assets)	Consolidated		$	111,807		15.5	%	$	57,525		8	%	$	-		-
		Bank			108,923		15.1	%		57,642		8	%		72,052		10	%
	Tier I capital (to Risk weighted
	assets)	Consolidated			103,212		14.4	%		28,763		4	%		-		-
		Bank			100,328		13.9	%		28,821		4	%		43,231		6	%
	Tier I capital (to Average
	assets)	Consolidated			103,212		9.5	%		43,320		4	%		-		-
		Bank			100,328		9.3	%		43,320		4	%		54,150		5	%
	The Bank is subject to certain restrictions on the amount of dividends that it may declare without prior regulatory approval. At December 31, 2014, approximately $7,696 of retained earnings were available for dividend declaration without prior approval.
	On July 2, 2013, the Board of Governors of the Federal Reserve System approved the final rule for Basel III capital requirements for all commercial banks charted in the United States of America. The rule was subsequently approved by the FDIC on July 9, 2013. The rule will implement certain of the Basel III regulatory capital reforms from the Basel Committee on Banking Supervision in the United States and certain changes required by the Dodd-Frank Wall Street Reform and Consumer Protection Act. The major provisions of the new rule applicable to the Corporation and the Bank are:
		•	The new rule implements higher minimum capital requirements, includes a new common equity Tier 1 capital requirement, and establishes criteria that instruments must meet in order to be considered common equity Tier 1 capital, additional Tier 1 capital, or Tier 2 capital. These enhancements will both improve the quality and increase the quantity of capital required to be held by banking organizations, better equipping the U.S. banking system to deal with adverse economic conditions.
		•	The new minimum capital to risk-weighted assets (RWA) requirements are a Common Equity Tier 1 Capital Ratio of 4.5% and a Tier 1 Capital Ratio of 6.0% which is an increase from 4.0%, and a Total Capital Ratio that remains at 8.0%. The minimum Leverage Ratio (Tier 1 capital to total assets) is 4.0%.
		•	The new rule improves the quality of capital by implementing changes to the definition of capital. Among the most important changes are stricter eligibility criteria for regulatory capital instruments that would disallow the inclusion of instruments such as trust preferred securities in Tier 1 capital going forward, and new constraints on the inclusion of minority interests, mortgage-servicing assets (MSAs), deferred tax assets (DTAs), and certain investments in the capital of unconsolidated financial institutions. In addition, the new rule requires that most regulatory capital deductions be made from common equity Tier 1 capital.
		•	Under the new rule, in order to avoid limitations on capital distributions, including dividend payments, stock repurchases and certain discretionary bonus payments to executive officers, a banking organization must hold a capital conservation buffer composed of common equity Tier 1 capital above its minimum risk-based capital requirements. This buffer will help to ensure that banking organizations conserve capital when it is most needed, allowing them to better weather periods of economic stress. The buffer is measured relative to risk weighted assets. Phase-in of the capital conservation buffer requirements will begin on January 1, 2016. A banking organization with a buffer greater than 2.5% would not be subject to limits on capital distributions or discretionary bonus payments; however, a banking organization with a buffer of less than 2.5% would be subject to increasingly stringent limitations as the buffer approaches zero. The new rule also prohibits a banking organization from making distributions or discretionary bonus payments during any quarter if its eligible retained income is negative in that quarter and its capital conservation buffer ratio was less than 2.5% at the beginning of the quarter. When the new rule is fully phased in, the minimum capital requirements plus the capital conservation buffer will exceed the prompt corrective action well-capitalized thresholds.
		•	The new rule also increases the risk weights for past-due loans, certain commercial real estate loans, and some equity exposures, and makes selected other changes in risk weights and credit conversion factors.
	The transition period for implementation of Basel III is January 1, 2015, through December 31, 2018.

FAIR_VALUE_MEASUREMENTS

FAIR VALUE MEASUREMENTS	12 Months Ended
	Dec. 31, 2014
Fair Value Disclosures [Abstract]
FAIR VALUE MEASUREMENTS	NOTE 13 – FAIR VALUE MEASUREMENT
	The fair value of an asset or liability is the price that would be received to sell that asset or paid to transfer that liability in an orderly transaction occurring in the principal market (or most advantageous market in the absence of a principal market) for such asset or liability. Fair value measurement must maximize the use of observable inputs and minimize the use of unobservable inputs. In estimating fair value, the Corporation utilizes valuation techniques that are consistent with the market approach, the income approach and/or the cost approach. Such valuation techniques are consistently applied. Inputs to valuation techniques include the assumptions that market participants would use in pricing an asset or liability. FASB ASC Topic 820, “Fair Value Measurements and Disclosures” establishes a fair value hierarchy for valuation inputs that gives the highest priority to quoted prices in active markets for identical assets or liabilities and the lowest priority to unobservable inputs. The fair value hierarchy is as follows:
		•	Level 1 Inputs - Unadjusted quoted prices in active markets for identical assets or liabilities.
		•	Level 2 Inputs - Inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly. These might include quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, inputs other than quoted prices that are observable for the asset or liability (such as interest rates, volatilities, market consensus, prepayment speeds, credit risks, etc.) or inputs that are derived principally from or corroborated by market data by correlation or other means.
	•	Level 3 Inputs - Unobservable inputs for determining the fair values of assets or liabilities that reflect an entity’s own assumptions about the assumptions that market participants would use in pricing the assets or liabilities.
	Transfers between levels of the fair value hierarchy are recognized on the actual date of the event or circumstances that caused the transfer, which generally coincides with the Corporation’s monthly and/or quarterly valuation process.
	Recurring Measurements
	The following table summarizes financial assets measured at fair value on a recurring basis as of December 31, 2014 and 2013, and by the level within the fair value hierarchy utilized to measure fair value (dollars in thousands):
	31-Dec-14
	Available-for-sale securities		Level 1		Level 2			Level 3				Total
	U.S. government agencies		$	-	$	159,254		$	-			$	159,254
	U.S. government sponsored agency mortgage backed securities			-		167,970			-				167,970
	States and political subdivisions			-		52,882			-				52,882
	Corporate bonds			-		17,780			-				17,780
	Total assets at fair value		$	-	$	397,886		$	-			$	397,886
	31-Dec-13
	Available-for-sale securities		Level 1		Level 2			Level 3				Total
	U.S. government agencies		$	-	$	105,072		$	-			$	105,072
	U.S. government sponsored agency mortgage backed securities			-		157,423			-				157,423
	States and political subdivisions			-		46,337			-				46,337
	Corporate bonds			-		20,882			-				20,882
	Total assets at fair value		$	-	$	329,714		$	-			$	329,714
	The following is a description of the valuation methodologies and inputs used for assets measured at fair value on a recurring basis and recognized in the accompanying balance sheets, as well as the general classification of such assets pursuant to the valuation hierarchy. There have been no significant changes in the valuation techniques during the year ended December 31, 2014.
	Available-for-Sale Securities
	Where quoted market prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. If quoted market prices are not available, the Corporation obtains fair value measurements from an independent pricing service, such as Interactive Data, which utilizes pricing models to determine fair value measurement. The Corporation reviews the pricing quarterly to verify the reasonableness of the pricing. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other factors. U.S. government agencies, state and political subdivisions, U.S. government sponsored agency mortgage-backed securities and corporate bonds are classified as Level 2 inputs.
	Nonrecurring Measurements
	The following table summarizes financial assets measured at fair value on a nonrecurring basis as of December 31, 2014 and December 31, 2013, by the level within the fair value hierarchy utilized to measure fair value (dollars in thousands):
	31-Dec-14
			Level 1		Level 2			Level 3				Total
	Impaired loans (collateral-dependent)		$	-	$	-		$	1,184			$	1,184
	Other real estate owned			-		-			-				-
	31-Dec-13
			Level 1		Level 2			Level 3				Total
	Impaired loans (collateral-dependent)		$	-	$	-		$	2,214			$	2,214
	Other real estate owned			-		-			208				208
	Impaired Loans (Collateral-Dependent)
	The estimated fair value of collateral-dependent impaired loans is based on the appraised fair value of the collateral, less estimated cost to sell. Collateral-dependent impaired loans are classified within Level 3 of the fair value hierarchy.
	The Corporation considers the appraisal or evaluation as the starting point for determining fair value and then considers other factors and events in the environment that may affect the fair value. Appraisals of the collateral underlying collateral-dependent loans are obtained when the loan is determined to be collateral-dependent and subsequently as deemed necessary by the Chief Credit Officer. Appraisals are reviewed for accuracy and consistency by the Chief Credit Officer. Appraisers are selected from the list of approved appraisers maintained by management. The appraised values are reduced by discounts to consider lack of marketability and estimated cost to sell if repayment or satisfaction of the loan is dependent on the sale of the collateral. These discounts and estimates are developed by the Chief Credit Officer by comparison to historical results. Fair value adjustments were approximately $287 at December 31, 2014 and $79 at December 31, 2013.
	Loans considered impaired under ASC 310-35, “Impairment of a Loan,” are loans for which, based on current information and events, it is probable that the creditor will be unable to collect all amounts due according to the contractual terms of the loan agreement. Impaired loans are subject to nonrecurring fair value adjustments to reflect (1) subsequent partial write-downs that are based on the observable market price or current appraised value of the collateral or (2) the full charge-off of the loan carrying value.
	Other Real Estate Owned
	Other real estate owned (“OREO”) is initially recorded at fair value at the time of acquisition, as determined by independent appraisal or evaluation by the Corporation, less costs to sell when the real estate is acquired in settlement of loans. Quarterly evaluations of OREO are performed to determine if there has been any subsequent decline in the value of OREO properties. OREO is classified within Level 3 of the fair value hierarchy. OREO assets are subject to nonrecurring fair value adjustments to reflect subsequent partial write-downs that are based on the observable market price or current appraised value of the collateral less selling costs. There was no fair value adjustment of the OREO portfolio at December 31, 2014. Fair value adjustments were approximately $395 in the aggregate at December 31, 2013.
	Appraisals of OREO are obtained when the real estate is acquired and subsequently as deemed necessary by the Chief Credit Officer. Appraisals are required annually and reviewed for accuracy and consistency by the Chief Credit Officer. The appraised values are reduced by discounts to consider lack of marketability and estimated costs to sell. Appraisers are selected from the list of approved appraisers maintained by management.
	Unobservable (Level 3) Inputs
	The following table presents quantitative information about unobservable inputs used in nonrecurring Level 3 fair value measurements as of December 31, 2014 and 2013 (dollars in thousands):
				Quantitative Information about Level 3 Fair Value Measurements
			Fair value at		Valuation		Unobservable			Range
			December 31,		technique(s)		input			(weighted
			2014							average)
	Impaired loans (collateral-dependent)		$	1,184		Market comparable		Marketability			5.0% - 10.0%
						properties		discount			-7%
				Quantitative Information about Level 3 Fair Value Measurements
			Fair value at		Valuation		Unobservable			Range
			December 31,		technique(s)		input			(weighted
			2013							average)
	Impaired loans (collateral-dependent)		$	2,214		Market comparable properties		Marketability discount			5.0% - 10.0%
											-7%
	Other real estate/assets owned		$	208		Market comparable properties		Marketability discount			5.0% - 10.0%
											-7%
	ASC Topic 825, “Financial Instruments,” requires disclosure of the fair value of financial assets and liabilities, including those financial assets and liabilities that are not measured and reported at fair value on a recurring basis or non-recurring basis.
	The following methods and assumptions were used to estimate the fair value of each class of financial instruments for which it is practicable to estimate that value:
	Cash and due from banks – The carrying amount approximates fair value.
	Interest bearing deposits in other banks – The carrying amount approximates fair value.
	Federal funds sold – The carrying amount approximates fair value.
	Securities held-to-maturity – Fair values are based on quoted market prices, if available. If a quoted price is not available, fair value is estimated using quoted prices for similar securities. The fair value estimate is provided to management from a third party using modeling assumptions specific to each type of security that are reviewed and approved by management. Quarterly sampling of fair values provided by additional third parties supplement the fair value review process.
Loans held for sale – The fair value is predetermined at origination based on sale price.
Loans (net of the allowance for loan losses) – The fair value of fixed rate loans and variable rate mortgage loans is estimated by discounting the future cash flows using current rates at which similar loans would be made to borrowers with similar credit ratings and for the same remaining maturities. For other variable rate loans, the carrying amount approximates fair value.
Federal Home Loan Bank stock – The carrying value of FHLB stock approximates fair value based on the redemption provisions of the FHLB.
Federal Reserve Bank stock – The carrying value of Federal Reserve Bank stock approximates fair value based on the redemption provisions of the Federal Reserve Bank.
Accrued interest receivable – The carrying amount approximates fair value.
Deposits – The fair value of fixed maturity time deposits is estimated by discounting the future cash flows using the rates currently offered for deposits of similar remaining maturities. For deposits including demand deposits, savings accounts, NOW accounts, and certain money market accounts, the carrying value approximates fair value.
Repurchase agreements – The fair value is estimated by discounting future cash flows using current rates.
Advances from FHLB – The fair value of these fixed-maturity advances is estimated by discounting future cash flows using rates currently offered for advances of similar remaining maturities.
Accrued interest payable – The carrying amount approximates fair value.
Commitments to extend credit and letters of credit – The fair value of commitments to originate loans is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. For fixed-rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates. The fair values of letters of credit and lines of credit are based on fees currently charged for similar agreements or on the estimated cost to terminate or otherwise settle the obligations with the counterparties at the reporting date. The fair values of these commitments are not material.
The following tables present estimated fair values of the Corporation’s financial instruments as of December 31, 2014 and 2013, and indicate the levels within the fair value hierarchy of the valuation techniques (dollars in thousands):
Fair Value Measurements at December 31, 2014 Using
		Carrying		Quoted prices			Significant				Significant
		amount		in active			other				unobservable
				markets for			observable				inputs (Level 3)
				identical assets			inputs (Level 2)
				(Level 1)
Financial assets
Cash and due from banks		$	18,511	$	18,511		$	-			$	-
Interest-bearing deposits in other banks			10,086		10,086			-				-
Federal funds sold			1,700		1,700			-				-
Federal Home Loan Bank and Federal Reserve Bank stock			3,879		-			3,879				-
Securities available-for-sale			397,886		-			397,886				-
Securities held-to-maturity			21,985		-			22,263				-
Loans held for sale			354		354			-				-
Loans, net			644,118		-			-				650,770
Accrued interest receivable			4,337		-			4,337				-
Financial liabilities
Non-interest bearing deposits			204,358		204,358			-				-
Interest bearing deposits			815,597		-			816,022				-
Repurchase agreements			22,834		-			22,834				-
Accrued interest payable			613		-			613				-
Off-balance sheet credit related instruments:
Commitments to extend credit and letters of credit					-			-				-
Fair Value Measurements at December 31, 2013 Using
		Carrying		Quoted prices			Significant				Significant
		amount		in active			other				unobservable
				markets for			observable				inputs (Level 3)
				identical assets			inputs (Level 2)
				(Level 1)
Financial assets
Cash and due from banks		$	20,391	$	20,391		$	-			$	-
Interest-bearing deposits in other banks			25,167		25,167			-				-
Federal funds sold			9,850		9,850			-				-
Federal Home Loan Bank and Federal Reserve Bank stock			3,879		-			3,879				-
Securities available-for-sale			329,714		-			329,714				-
Securities held-to-maturity			27,839		-			28,595				-
Loans held for sale			327		327			-				-
Loans, net			598,171		-			-				607,113
Accrued interest receivable			4,183		-			4,183				-
Financial liabilities
Non-interest bearing deposits			179,823		179,823			-				-
Interest bearing deposits			777,514		-			778,682				-
Repurchase agreements			18,095		-			18,095				-
Accrued interest payable			663		-			663				-
Off-balance sheet credit related instruments:
Commitments to extend credit and letters of credit			-		-			-				-

QUARTERLY_RESULTS_OF_OPERATION

QUARTERLY RESULTS OF OPERATIONS	12 Months Ended
	Dec. 31, 2014
Quarterly Financial Information Disclosure [Abstract]
QUARTERLY RESULTS OF OPERATIONS (Unaudited)	NOTE 14 – QUARTERLY RESULTS OF OPERATIONS (Unaudited)
	The following table presents unaudited quarterly interim financial information for the Corporation for the years ended December 31, 2014 and 2013 (dollars in thousands):
	2014	First		Second		Third		Fourth		Total
		Quarter		Quarter		Quarter		Quarter
	Interest income	$	9,042	$	9,103	$	9,351	$	9,284	$	36,780
	Interest expense		620		623		605		580		2,428
	Net interest income		8,422		8,480		8,746		8,704		34,352
	Provision for possible loan losses, net		-		-		-		-		-
	Noninterest income		2,651		3,091		3,177		2,808		11,727
	Noninterest expenses		8,098		8,033		8,166		7,984		32,281
	Income before income taxes		2,975		3,538		3,757		3,528		13,798
	Income taxes		713		941		1,031		871		3,556
	Net income	$	2,262	$	2,597	$	2,726	$	2,657	$	10,242
	Basic earnings per share		0.45		0.52		0.55		0.54		2.06
	Weighted average shares outstanding per quarter		5,017,789		4,977,506		4,934,815		4,909,910		4,963,826
	2013	First		Second		Third		Fourth		Total
		Quarter		Quarter		Quarter		Quarter
	Interest income	$	9,223	$	9,523	$	9,328	$	9,287	$	37,361
	Interest expense		834		751		679		643		2,907
	Net interest income		8,389		8,772		8,649		8,644		34,454
	Provision for possible loan losses, net		-		-		-		-		-
	Noninterest income		3,329		2,620		2,509		2,658		11,116
	Noninterest expenses		8,105		8,165		8,322		8,667		33,259
	Income before income taxes		3,613		3,227		2,836		2,635		12,311
	Income taxes		557		842		779		522		2,700
	Net income	$	3,056	$	2,385	$	2,057	$	2,113	$	9,611
	Basic earnings per share		0.59		0.46		0.4		0.42		1.88
	Weighted average shares outstanding per quarter		5,178,759		5,133,051		5,086,469		5,046,833		5,110,849

DEPOSITS

DEPOSITS	12 Months Ended
	Dec. 31, 2014
Banking and Thrift [Abstract]
DEPOSITS	NOTE 15 – DEPOSITS
	The Bank does not have any foreign offices and all deposits are serviced in its 18 domestic offices. Maturities of time deposits of $100 or more at December 31, 2014 and 2013 are as follows (dollars in thousands):
		2014		2013
	Under 3 months	$	29,629	$	31,514
	3 to 12 months		71,489		63,429
	Over 12 months		18,399		27,834
	Total	$	119,517	$	122,777
	At December 31, 2014 and 2013, the Bank had $152 and $369, respectively, of deposit accounts in overdraft status and thus have been reclassified to loans in the accompanying consolidated balance sheets.
	The following table presents maturities of interest-bearing time deposits as of December 31, 2014 (dollars in thousands):
	2015	$	185,714
	2016		20,460
	2017		8,160
	2018		5,164
	2019		7,091
	Thereafter		-
	Total	$	226,589

CONDENSED_FINANCIAL_INFORMATIO

CONDENSED FINANCIAL INFORMATION OF THE CORPORATION	12 Months Ended
	Dec. 31, 2014
Condensed Financial Information of Parent Company Only Disclosure [Abstract]
CONDENSED FINANCIAL INFORMATION OF THE CORPORATION	NOTE 16 – CONDENSED FINANCIAL INFORMATION OF THE CORPORATION
	The following tables present the condensed balance sheets, statements of income, comprehensive income, and cash flows of the Corporation as of December 31, 2014 and 2013 (dollars in thousands, except per share data):
	CONDENSED BALANCE SHEETS
		As of December 31,
		2014			2013
	Cash	$	271		$	23
	Investment in bank subsidiary		111,512			101,226
	Investment in credit life insurance company		54			54
	Investment in other securities		17			17
	Dividends receivable from bank subsidiary		1,813			2,058
	Cash surrender value - life insurance		4,474			4,409
	Total assets	$	118,141		$	107,787
	Liabilities
	Accrued liabilities	$	1,839		$	1,820
	Dividends payable		1,813			1,858
	Total liabilities		3,652			3,678
	Shareholders’ equity
	Common stock - $10 par value, 8,000,000 shares authorized; 4,900,576 and 5,021,012 shares issued and outstanding, as of December 31, 2014 and December 31, 2013, respectively		49,006			50,210
	Retained earnings		67,609			62,900
	Accumulated other comprehensive income (loss)		(2,126	)		(9,001	)
	Total shareholders’ equity		114,489			104,109
	Total liabilities and shareholders’ equity	$	118,141		$	107,787
	CONDENSED STATEMENTS OF INCOME
		Years ended December 31,
		2014			2013			2012
	Operating income
	Dividends from bank subsidiary	$	7,038		$	7,663		$	7,289
	Other dividend income		8			15			18
	Other		65			65			135
	Operating expenses		(279	)		(238	)		(218	)
	Income before equity in undistributed net income of bank subsidiary		6,832			7,505			7,224
	Equity in undistributed net income of bank subsidiary		3,410			2,106			2,180
	Net Income	$	10,242		$	9,611		$	9,404
	CONDENSED STATEMENTS OF COMPREHENSIVE INCOME (LOSS)
		Years ended December 31,
		2014			2013			2012
	Net income for common shareholders	$	10,242		$	9,611		$	9,404
	Other comprehensive income (loss)
	Unrealized appreciation (depreciation) on available-for-sale securities, net of taxes of $4,742, ($8,507) and $1,204, respectively		7,571			(13,589	)		1,923
	Reclassification adjustment for realized gains included in net income, net of taxes of ($251), ($319) and ($883), respectively		(401	)		(510	)		(1,411	)
	Change in unfunded portion of postretirement benefit obligations, net of taxes of ($185), $2,102, and ($1,243), respectively		(295	)		3,360			(1,982	)
	Other comprehensive income (loss)		6,875			(10,739	)		(1,470	)
	Total comprehensive income (loss)	$	17,117		$	(1,128	)	$	7,934
	CONDENSED STATEMENTS OF CASH FLOWS
		Years ended December 31,
		2014			2013			2012
	Operating activities
	Net income	$	10,242		$	9,611		$	9,404
	Adjustments to reconcile net income to net cash provided by operating activities
	Equity in undistributed net income of bank subsidiary		(3,410	)		(2,106	)		(2,180	)
	Increase in cash surrender value of life insurance contracts		(65	)		(65	)		(135	)
	(Increase) decrease in other assets		245			(90	)		56
	Decrease in payables		18			134			127
	Total adjustments		(3,212	)		(2,127	)		(2,132	)
	Net cash provided by operating activities		7,030			7,484			7,272
	Investing activities
	Purchase of single premium life insurance policy		-			-			(310	)
	Net cash used by investing activities		-			-			(310	)
	Financing activities
	Payment to repurchase common stock		(3,097	)		(3,722	)		(3,400	)
	Cash dividends paid		(3,685	)		(3,800	)		(3,944	)
	Net cash used by financing activities		(6,782	)		(7,522	)		(7,344	)
	Increase (decrease) in cash		248			(38	)		(382	)
	Cash at beginning of year		23			61			443
Cash at end of year	$	271		$	23		$	61

EMPLOYEE_BENEFIT_PLANS

EMPLOYEE BENEFIT PLANS	12 Months Ended
	Dec. 31, 2014
Compensation and Retirement Disclosure [Abstract]
EMPLOYEE BENEFIT PLANS	NOTE 17 – EMPLOYEE BENEFIT PLANS
	The Bank contributes to a qualified profit-sharing plan covering employees who meet participation requirements. To be eligible to participate, employees must complete 1,000 hours of service within the twelve month time period following their date of hire. Employees must be age twenty or older. The amount of the contribution is at the discretion of the Bank’s Board of Directors, up to the maximum deduction allowed for federal income tax purposes. Contributions to the plan, which amounted to approximately $1,023, $1,596 and $1,019 in 2014, 2013 and 2012, respectively, are included in salaries and employee benefits expense.
	The Bank formalized a nonqualified salary continuation plan for certain key officers. In connection with this plan, the value of the single premium universal life insurance policies (approximately $986 at December 31, 2014 and approximately $975 at December 31, 2013) purchased in 1993 to fund the plan and the related liability (approximately $56 at December 31, 2014 and $49 at December 31, 2013) were included in other assets and other liabilities, respectively. The principal cost of the plan is accrued over the anticipated remaining period of active employment, based on the present value of the expected retirement benefit.
	The Corporation and Bank implemented a deferred compensation plan that permits directors to defer their director’s fees and earn interest on the deferred amount in the amount of the wall street journal prime rate plus three percent. The agreements provide for a lump sum payment or 120 month payments of deferred fees plus accrued interest after retirement, separation from service, or death. The liability accrued for this plan totaled $6,586 and $6,487 at December 31, 2014 and 2013, respectively. The charge to expense for the agreements was $715, $722 and $853 for the years ended December 31 2014, 2013 and 2012, respectively.

POST_RETIREMENT_BENEFIT_PLAN

POST RETIREMENT BENEFIT PLAN	12 Months Ended
	Dec. 31, 2014
Compensation and Retirement Disclosure [Abstract]
POST RETIREMENT BENEFIT PLAN	NOTE 18 – POST RETIREMENT BENEFIT PLAN
	Effective July 1, 2013, the Corporation revised its retiree medical benefit plan for employees who were hired before March 27, 2007. Newly retiring employees will no longer be offered medical, dental or life insurance coverage. Instead, qualified retirees will receive a post retirement bonus. The Corporation will pay a post retirement bonus equal to $20,000 to employees (i) who were hired prior to March 20, 2007; (ii) who retire on or after July 1, 2013; (iii) who are at least age 59 ½ at the time of retirement; and (iv) who have at least twenty-five years of service to the Corporation as of retirement. The bonus will be paid in a lump sum cash payment (subject to applicable tax withholding requirements) within 60 days after the employee’s retirement, provided such retirement constitutes a “separation from service” under section 409A of the Internal Revenue Code. The Corporation still sponsors a defined benefit post-retirement health care plan for retirees who retired prior to July 1, 2007. Under this plan, premiums paid by retirees and spouses depend on date of retirement, age and coverage election.
	The Corporation funding policy is to make the minimal annual contribution that is required by applicable regulations, plus such amounts as the Corporation may determine to be appropriate from time to time. The Corporation expects to contribute $174 to the plan in 2015.
	The following table provides further information about the plan:
		Post-retirement benefits
		2014			2013
	Change in benefit obligation
	Benefit obligation at beginning of year	$	2,313		$	7,421
	Service cost		33			138
	Interest cost		111			292
	Plan participants’ contributions		-			-
	Expected benefits paid		(183	)		(266	)
	Negative plan amendment		-			(2,662	)
	Actuarial (gain) loss		286			(2,558	)
	Amendments		-			(52	)
	Benefit obligation at end of year	$	2,560		$	2,313
	Change in fair value of assets
	Fair value of plans assets at beginning of year	$	-		$	-
	Employer contribution		183			266
	Benefits paid		(183	)		(266	)
	Fair value of plan assets at end of year	$	-		$	-
	Reconciliation of funded status
	Projected benefit obligation, end of year	$	(2,560	)	$	(2,313	)
	Fair value of assets, end of year		-			-
	Funded status, end of year	$	(2,560	)	$	(2,313	)
	Amounts recognized in accumulated other comprehensive income not yet recognized as components of net periodic benefit cost consist of:
		2014			2013
	Unrecognzied net actuarial (gain) loss	$	(2,016	)	$	(2,490	)
	Unrecognized prior service cost		(46	)		(52	)
		$	(2,062	)	$	(2,542	)
	Amounts recognized in statement of financial position are as follows:
		2014			2013
	Current liability	$	-		$	183
	Noncurrent liability		2,560			2,130
	Total	$	2,560		$	2,313
	A reconciliation of other comprehensive income is as follows:
		Post-retirement benefits
		2014			2013				2012
	Accumulated other comprehensive income beginning of year	$	(2,542	)	$	2,920			$	(305	)
	Amortization of net actuarial gain (loss)		188			(190	)			-
	Negative plan amendment gain		-			(2,662	)			-
	Loss/(gain) incurred in current year		287			(2,558	)			3,225
	Prior service cost established in current year		5			(52	)			-
	Other comprehensive income/(loss)		480			(5,462	)			3,225
	Ending balance (before tax effects)	$	(2,062	)	$	(2,542	)		$	2,920
		Post-retirement benefits
	Components of net periodic benefit cost
		2014			2013				2012
	Service cost	$	34		$	138			$	91
	Interest cost		111			292				351
	Amortization of prior service cost		(5	)		-				-
	Recognized net actuarial (gain) loss		(188	)		190				-
	Net periodic benefit cost (income)	$	(48	)	$	620			$	442
	The estimated net gain for the defined benefits postretirement plan that will be amortized from accumulated other comprehensive income into net periodic benefit cost over the next fiscal year is $160.
		Post-retirement benefits
	Weighted-average assumption used to determine benefit obligation:	2014			2013
	Discount rate		4.25	%		5	%
	Rate of compensation increase		NA			NA
		Post-retirement benefits
	Weighted-average assumptions used to determine benefit costs:	2014			2013
	Discount rate		5	%		4	%
	The following table gives the Health Care Cost Trend, which is applied to gross charges, net claims and retiree paid premiums to reflect the Corporation’s past practice and stated ongoing intention to maintain relatively constant cost sharing between the Corporation and retirees:
	Health care trend rate	2014				2013
	Initial
Pre-65		9	%			11	%
Post-65		8	%			7.5	%
Ultimate (pre and post-65)		5	%			5	%
Years to ultimate
Pre-65		8				6
Post-65		6				5
The following benefit payments, which reflect expected future service, as appropriate, are expected to be paid, net of participant contributions:
FYE			Company
			benefits
2015		$	174
2016			168
2017			157
2018			190
2019			174
2020 - 2024			986
		$	1,849
Assumed health care cost trend rates have a significant effect on the amounts reported for the health care plans. A one-percentage-point change in assumed health care cost trend rates would have the following effects:
		1-percentage-point		1-percentage-
		increase		point decrease
Effect on total of service and interest cost		11		(6	)
Effect on postretirement benefit obligation		283		(133	)

GENERAL_AND_SUMMARY_OF_SIGNIFI1

GENERAL AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 2014
Accounting Policies [Abstract]
Nature of Operations	Nature of Operations
	The Corporation is a bank holding company whose principal activity is the ownership and management of its wholly-owned subsidiary, First Farmers and Merchants Bank (the "Bank"). The Bank is primarily engaged in providing a full range of banking and financial services, including lending, investing of funds, obtaining deposits, trust and wealth management operations, and other financing activities to individual and corporate customers in the Middle Tennessee area. The Bank is subject to competition from other financial institutions. The Corporation and Bank are subject to the regulation of certain federal and state agencies and undergo periodic examinations by those regulatory authorities.
Basis of Presentation	Basis of Presentation
	The accompanying consolidated financial statements present the accounts of the Corporation and its wholly-owned subsidiary, First Farmers and Merchants Bank. The Bank has the following direct and indirect subsidiaries: F&M West, Inc., Maury Tenn, Inc., and Maury Tenn Properties, Inc. Noncontrolling interests consist of preferred shares in Maury Tenn Properties, Inc. that are owned by third parties and Maury Tenn, Inc. The preferred shares in Maury Tenn Properties, Inc. receive dividends, which are included in the consolidated statements of income. Intercompany accounts and transactions have been eliminated in consolidation.
	Certain items in prior financial statements have been reclassified to conform to the current presentation. These reclassifications had no effect on net income.
Use of Estimates in the Preparation of Financial Statements	Use of Estimates in the Preparation of Financial Statements
	The preparation of financial statements in conformity with GAAP requires management of the Corporation and the Bank to make estimates and assumptions that affect the reported amounts of assets and liabilities. Those estimates and assumptions also affect disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near-term relate to the determination of the allowance for loan and lease losses, the fair value of financial instruments, the valuation of foreclosed real estate, valuation of goodwill, valuation of deferred tax assets and the liability related to post-retirement benefits.
Concentrations of Credit Risk	Concentrations of Credit Risk
	The Corporations’ banking activities include granting commercial, residential, and consumer loans to customers primarily located in Middle Tennessee and northern Alabama. The Corporation manages its portfolio and product mix in a manner to reduce economic risk. Concentrations of credit, as defined for regulatory purposes, are reviewed quarterly by management to ensure that internally established limits are not exceeded. At December 31, 2014 our concentrations of commercial real estate, rental and leasing loans were 119.2% of Tier 1 Capital plus the allowance for loan and lease losses. Health care and social assistance loans were 41.3%. Manufacturing and construction loans were 21.2%. Wholesale trade credits were 21.0%. These percentages are within our internally established limits regarding concentrations of credit.
	Loans secured by non-farm, non-residential real estate comprised 25.1% of the loan portfolio at December 31, 2014. Management remains comfortable with the real estate exposure levels within the commercial loan portfolio. Management believes the commercial real estate portion remains well diversified across several different property types and several different geographic markets.
Cash and Due From Banks	Cash and Due From Banks
	Included in cash and due from banks are reserve amounts that are required to be maintained in the form of cash and/or balances due from the Federal Reserve Bank and other banks. At December 31, 2014, the Bank’s required reserve was $8,748 at the Federal Reserve. From time to time throughout the year, the Bank’s balances due from other financial institutions exceeded Federal Deposit Insurance Corporation (FDIC) insurance limits. The Bank had one account exceeding FDIC insurance limits at December 31, 2014 by $3,940. Furthermore, federal funds sold are essentially uncollateralized loans to other financial institutions.
Cash Equivalents	Cash Equivalents
	The Corporation considers all liquid investments with original maturities of three months or less to be cash equivalents. Cash equivalents include cash on hand, cash due from banks and federal funds sold. Federal funds are sold for one-day periods.
Securities	Securities
	Certain debt securities that management has the intent and ability to hold to maturity are classified as “held-to-maturity” and recorded at amortized cost. Securities not classified as held to maturity are classified as “available for sale” and recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income, net of tax. Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method.
	For debt securities with fair value below amortized cost which the Corporation does not intend to sell, and it is more likely than not the Corporation will not have to sell the security before recovery of its cost basis, the Corporation recognizes the credit component of an other-than-temporary impairment of a debt security in earnings and the remaining portion in other comprehensive income. For held-to-maturity debt securities, the amount of an other-than-temporary impairment recorded in other comprehensive income for the noncredit portion of a previous other-than-temporary impairment is amortized prospectively over the remaining life of the security on the basis of the timing of future estimated cash flows of the security.
	If declines in fair value are other than temporary, the carrying value of the securities is written down to fair value as a realized loss with a charge to income for the portion attributable to credit losses and a charge to other comprehensive income for the portion that is not credit related. For available-for-sale and held-to-maturity debt securities that management has no intent to sell and believes that the Corporation more likely than not will not be required to sell prior to recovery, only the credit loss component of the impairment is recognized in earnings, while the noncredit loss is recognized in accumulated other comprehensive income. The credit loss component recognized in earnings is identified as the amount of principal cash flows not expected to be received over the remaining term of the security based on cash flow projections.
Loans	Loans
	Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff is reported at their outstanding principal balances adjusted for unearned income, charge-offs, the allowance for loan losses, any unamortized deferred fees or costs on originated loans and unamortized premiums or discounts on purchased loans.
	For loans amortized at cost, interest income is accrued based on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, as well as premiums and discounts, are deferred and amortized as a level yield adjustment over the respective term of the loan.
	The accrual of interest on mortgage and commercial loans is discontinued at the time the loan is 90 days past due unless the credit is well-secured and in process of collection. Past-due status is based on contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged off at an earlier date if collection of principal or interest is considered doubtful.
	All interest accrued but not collected for loans that are placed on nonaccrual or charged off is reversed against interest income. The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.
	Discounts and premiums on purchased commercial loans are amortized to income using the interest method over the remaining period to contractual maturity and adjusted for anticipated prepayments.
Allowance for Loan and Lease Losses	Allowance for Loan and Lease Losses
	The allowance for loan and lease losses is established through provisions for loan and lease losses charged against income. Loan losses are charged against the allowance when management determines that the uncollectibility of a loan has been confirmed. Subsequent recoveries, if any, are credited to the allowance account in the period received.
	The adequacy of the allowance for loan and lease losses is evaluated quarterly in conjunction with loan review reports and evaluations that are discussed in meetings with loan officers, credit administration and the Bank’s Board of Directors. The Bank’s past loan loss experience, known and inherent risks in the portfolio, adverse situations that may affect a borrower’s ability to repay (including the timing of future payments), the estimated value of any underlying collateral, composition of the loan portfolio, current economic conditions and other relevant factors are considered in this evaluation. This process is inherently subjective as it requires material estimates that are susceptible to significant change, including the amounts and timing of future cash flows expected to be received on impaired loans. The allowance for loan and lease losses is maintained at a level believed by management to be adequate to absorb estimated losses inherent in the loan portfolio.
	A loan is considered impaired when it is probable that the Bank will be unable to collect all amounts due (principal and interest) 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 payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial and commercial real estate loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral dependent.
	Groups of loans with similar risk characteristics are collectively evaluated for impairment based on the group’s historical loss experience adjusted for changes in trends, conditions and other relevant factors that affect repayment of the loans. Accordingly, the Bank does not separately identify individual consumer and residential loans for impairment measurements, unless such loans are the subject of a restructuring agreement due to financial difficulties of the borrower.
	When any secured commercial loan is considered uncollectable, whether past due or not, a current assessment of the value of the underlying collateral is made. If the balance of the loan exceeds the fair value of the collateral, the loan is placed on nonaccrual and the loan is charged down to the value of the collateral less estimated cost to sell or a specific reserve equal to the difference between book value of the loan and the fair value assigned to the collateral is created until such time as the loan is foreclosed. When the foreclosed collateral has been legally assigned to the Bank, a charge off is taken, if necessary, in order that the remaining balance reflects the fair value estimated less costs to sell the collateral then transferred to other real estate owned or other repossessed assets. When any unsecured commercial loan is considered uncollectable the loan is charged off no later than at 90 days past due.
	All closed-end consumer loans (excluding conventional 1-4 family residential loans and installment and revolving loans secured by real estate) are charged off upon reaching no later than 120 days (4 monthly payments) delinquent. If a loan is considered uncollectable, it is charged off earlier than 120 days delinquent. For conventional 1-4 family residential loans and installment and revolving loans secured by real estate, when a loan is 90 days past due, a current assessment of the value of the real estate is made. If the balance of the loan exceeds the fair value of the property, the loan is placed on nonaccrual and foreclosure proceedings are initiated. When the foreclosed property has been legally assigned to the Bank, a charge-off is taken with the remaining balance, reflecting the fair value less estimated costs to sell, transferred to other real estate owned.
Loans Held-for-sale	Loans Held for Sale
	Mortgage loans originated and intended for sale in the secondary market are carried at the lower of cost or fair value in the aggregate. Net unrealized losses, if any, are recognized through a valuation allowance by charges to noninterest income. Gains and losses on loan sales are recorded in noninterest income. The Corporation does not retain servicing rights on loans sold. Loans held for sale at December 31, 2014 and 2013 totaled $354 and $327, respectively.
Other Real Estate	Other Real Estate
	Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less cost to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less cost to sell. Revenue and expenses from operations and changes in the valuation allowance are included in net income or expense from foreclosed assets.
	When foreclosed properties are acquired current appraisals are obtained on the properties. Additionally, periodic updated appraisals are obtained on unsold foreclosed properties. When an updated appraisal reflects a market value below the current book value, a charge is booked to current earnings to reduce the property to its new market value less expected selling costs. Our policy for determining the frequency of periodic reviews is based upon consideration of the specific properties and the known or perceived market fluctuations in a particular market and is typically between 12 and 24 months.
Premises and Equipment	Premises and Equipment
	Premises and equipment are stated at cost, less accumulated depreciation and amortization. The provision for depreciation is computed principally on an accelerated method over the estimated useful life of an asset, which ranges from 15 to 39 years for buildings and from three to 25 years for equipment. Costs of major additions and improvements are capitalized. Expenditures for maintenance and repairs are charged to operations as incurred. Gains or losses from the disposition of property are reflected in operations, and the asset accounts and related allowances for depreciation are reduced.
Federal Reserve and Federal Home Loan Bank Stock	Federal Reserve and Federal Home Loan Bank Stock
	Federal Reserve and Federal Home Loan Bank stock are required investments for institutions that are members of the Federal Reserve and Federal Home Loan Bank systems. The required investment in the common stock is based on a predetermined formula, carried at cost and evaluated for impairment. At December 31, 2014 and 2013 Federal Reserve and Federal Home Loan Bank stock totaled $3,879.
Goodwill	Goodwill
	Goodwill is evaluated annually for impairment. Quantitative and qualitative assessments are performed to determine whether the existence of events or circumstances leads to a determination that it is more likely than not the fair value is less than the carrying amount, including goodwill. If, based on the evaluation, it is determined to be more likely than not that the fair value is less than the carrying value, then goodwill is tested further for impairment. If the implied fair value of goodwill is lower than its carrying amount, a goodwill impairment is indicated and goodwill is written down to its implied fair value. Subsequent increases in goodwill value are not recognized in the financial statements.
Transfers of Financial Assets	Transfers of Financial Assets
	Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Corporation—put presumptively beyond the reach of the transferor and its creditors, even in bankruptcy or other receivership, (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 Corporation does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity or the ability to unilaterally cause the holder to return specific assets.
Income Taxes	Income Taxes
	The Corporation files consolidated income tax returns with its subsidiaries. The Corporation accounts for income taxes in accordance with income tax accounting guidance (ASC 740, Income Taxes). The income tax accounting guidance requires in two components of income tax expense: current and deferred. Current income tax expense reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to the taxable income or excess of deductions over revenues. The Corporation determines deferred income taxes using the liability (or balance sheet) method. Under this method, the net deferred tax asset or liability is based on the tax effects of the differences between the book and tax bases of assets and liabilities, and enacted changes in tax rates and laws are recognized in the period in which they occur. Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are reduced by a valuation allowance if, based on the weight of evidence available, it is more likely than not that some portion or all of a deferred tax asset will not be realized.
	Tax positions are recognized if it is more likely than not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more likely than not means a likelihood of more than 50 percent; the terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances and information available at the reporting date and is subject to management’s judgment. With a few exceptions, the Corporation is no longer subject to U.S. federal tax examinations and state and local tax examinations by tax authorities for years before 2011.
	The Corporation recognizes interest and penalties on income taxes as a component of income tax expense. As of December 31, 2014, the Corporation has accrued no interest and no penalties related to uncertain tax positions.
Securities Sold Under Agreements to Repurchase	Securities Sold Under Agreements to Repurchase
	Securities sold under agreements to repurchase, which are classified as secured borrowings, generally mature within one to four days from the transaction date. Securities sold under agreements to repurchase are reflected at the amount of cash received in connection with the transaction.
Fair Value Measurements	Fair Value Measurements
	Financial Accounting Standards Board ("FASB") ASC Topic 820, “Fair Value Measurements and Disclosures”, defines fair value, establishes a framework for measuring fair value in generally accepted accounting principles, and requires certain disclosures about fair value measurements. See Note 13 – Fair Value Measurement. In general, fair values of financial instruments are based upon quoted market prices, where available. If such quoted market prices are not available, fair value is based upon internally developed models that primarily use, as input, observable market-based parameters. Valuation adjustments may be made to ensure that financial instruments are recorded at fair value. These adjustments may include amounts to reflect counterparty credit quality and the Corporation’s creditworthiness, among other things, as well as unobservable parameters. Any such valuation adjustments are applied consistently over time.
Shareholders' Equity and Earnings Per Share	Shareholders’ Equity and Earnings Per Share
	Basic earnings per share represent income available to shareholders divided by the weighted average number of shares of Corporation common stock outstanding during the period. Diluted earnings per share reflect additional shares of common stock that would have been outstanding if potentially dilutive shares of common stock had been issued, as well as any adjustment to income that would result from the assumed conversion. For the years ended December 31, 2014, 2013 and 2012 there were no potentially dilutive shares of common stock issuable.
	The following is a summary of the basic earnings per share calculation for each of the three-year period ended, December 31, 2014:
	Earnings per share calculation:
		2014			2013			2012
	Numerator - Net income available to common shareholders	$	10,242		$	9,611		$	9,404
	Denominator - Weighted average common shares outstanding		4,963,826			5,110,849			5,315,634
	Basic net income per common share available to common shareholders	$	2.06		$	1.88		$	1.77
	In 2013, the Corporation adopted a plan to repurchase shares of its common stock. The plan allowed the purchase of up to 200,000 shares. The Corporation purchased 120,436 shares in 2014 and 158,988 shares in 2013. In 2012, the Corporation adopted a plan to repurchase up to 150,000 shares of common stock. The Corporation repurchased 150,000 shares in 2012.
Accumulated Other Comprehensive Income (Loss)	Accumulated Other Comprehensive Income (Loss)
	Comprehensive income (loss) consists of net income and other comprehensive income (loss), net of applicable income tax expenses or benefits. Other comprehensive income (loss) includes unrealized appreciation or depreciation on available-for-sale securities and changes in the net actuarial gain or loss of the postretirement benefit obligation.
	The components of accumulated other comprehensive income (loss), included in shareholder’s equity, are as follows as of December 31, 2014, 2013 and 2012 (dollars in thousands):
		Years ended December 31,
		2014			2013			2012
	Net unrealized gains (losses) on available-for-sale securities	$	(5,517	)	$	(17,178	)	$	5,747
	Net actuarial gain on unfunded portion of postretirement benefit obligation		2,062			2,542			(2,920	)
			(3,455	)		(14,636	)		2,827
	Tax effect - (expense) benefit		1,329			5,635			(1,089	)
	Other comprehensive income (loss)	$	(2,126	)	$	(9,001	)	$	1,738
Transfers Between Fair Value Hierarchy Levels	Transfers Between Fair Value Hierarchy Levels
	Transfers in and out of Level 1 (quoted market prices), Level 2 (other significant observable inputs) and Level 3 (significant unobservable inputs) are recognized on the period end date.
Segment Reporting	Segment Reporting
	Management analyzes the operations of the Corporation assuming one operating segment, community lending services.
Subsequent Events	Subsequent Events
	FASB ASC Topic 855, “Subsequent Events”, established general standards of accounting for a disclosure of events that occur after the balance sheet date but before financial statements are issued. The Corporation evaluated all events or transactions that occurred after December 31, 2014, through the date of the issued financial statements. During this period there were no material recognizable subsequent events that required recognition or disclosures in the December 31, 2014 financial statements.
Recent Accounting Pronouncements	Recent Accounting Pronouncements
	ASU 2014-14, “Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40).” ASU 2014-14 applies to creditors that hold government-guaranteed mortgage loans, including those guaranteed by the FHA and the VA. The amendments in this Update require that a mortgage loan be derecognized and that a separate other receivable be recognized upon foreclosure if the following conditions are met: (1) the loan has a government guarantee that is not separable from the loan before foreclosure. (2) at the time of foreclosure, the creditor has the intent to convey the real estate property to the guarantor and make a claim on the guarantee, and the creditor has the ability to recover under that claim. (3) at the time of foreclosure, any amount of the claim that is determined on the basis of the fair value of the real estate is fixed. Upon foreclosure, the separate other receivable should be measured based on the amount of the loan balance (principal and interest) expected to be recovered from the guarantor. ASU 2014-14 is effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. The new standard did not have a significant impact on the Corporation’s financial statements.

GENERAL_AND_SUMMARY_OF_SIGNIFI2

GENERAL AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)	12 Months Ended
	Dec. 31, 2014
Equity [Abstract]
Schedule of basic earnings per share	The following is a summary of the basic earnings per share calculation for each of the three-year period ended, December 31, 2014:
	Earnings per share calculation:
		2014			2013			2012
	Numerator - Net income available to common shareholders	$	10,242		$	9,611		$	9,404
	Denominator - Weighted average common shares outstanding		4,963,826			5,110,849			5,315,634
	Basic net income per common share available to common shareholders	$	2.06		$	1.88		$	1.77
Schedule of components of accumulated other comprehensive income (loss)	The components of accumulated other comprehensive income (loss), included in shareholder’s equity, are as follows as of December 31, 2014, 2013 and 2012 (dollars in thousands):
		Years ended December 31,
		2014			2013			2012
	Net unrealized gains (losses) on available-for-sale securities	$	(5,517	)	$	(17,178	)	$	5,747
	Net actuarial gain on unfunded portion of postretirement benefit obligation		2,062			2,542			(2,920	)
			(3,455	)		(14,636	)		2,827
	Tax effect - (expense) benefit		1,329			5,635			(1,089	)
	Other comprehensive income (loss)	$	(2,126	)	$	(9,001	)	$	1,738

RECLASSIFICATIONS_FROM_ACCUMUL1

RECLASSIFICATIONS FROM ACCUMULATED OTHER COMPREHENSIVE INCOME (AOCI) (Tables)	12 Months Ended
	Dec. 31, 2014
Accounting Changes and Error Corrections [Abstract]
Schedule of reclassified from AOCI	Amounts reclassified from AOCI and the affected line items in the statements of income during the periods ended December 31, 2014, 2013 and 2012, were as follows (dollars in thousands):
			Amounts Reclassified from AOCI
		31-Dec-14			Years Ended			31-Dec-12			Affected Line Item in the Statements
					31-Dec-13						of Income
	Unrealized gains on available-for-sale securities
		$	652		$	829		$	2,294		Realized gain on sale of available-for- sale securities
			(251	)		(319	)		(883	)	Tax expense
		$	401		$	510		$	1,411		Net reclassified amount
	Amortization of defined benefit pension items
	Actuarial gains (losses)	$	188		$	(190	)	$	-
			(72	)		73			-		Tax (expense) benefit
		$	116		$	(117	)	$	-		Net reclassified amount
	Total reclassifications out of AOCI	$	517		$	393		$	1,411

SECURITIES_Tables

SECURITIES (Tables)	12 Months Ended
	Dec. 31, 2014
Investments, Debt and Equity Securities [Abstract]
Schedule of amortized cost and estimated fair value of securities	The amortized cost and fair value of securities available-for-sale and held-to-maturity at December 31, 2014 and 2013 are summarized as follows (dollars in thousands):
		Amortized			Gross unrealized						Fair
	31-Dec-14	cost			Gains			Losses			value
	Available-for-sale securities
	U.S. Government agencies	$	162,289		$	50		$	3,085		$	159,254
	U.S. Government sponsored agency mortgage backed securities		172,035			64			4,129			167,970
	States and political subdivisions		51,374			1,658			150			52,882
	Corporate bonds		17,705			129			54			17,780
		$	403,403		$	1,901		$	7,418		$	397,886
	Held-to-maturity securities
	States and political subdivisions	$	21,985		$	278		$	-		$	22,263
	31-Dec-13		Amortized			Gross unrealized						Fair
	Available-for-sale securities		cost			Gains			Losses			value
	U.S. Government agencies		$	112,863		$	-		$	7,791		$	105,072
	U.S. Government sponsored agency mortgage backed securities			168,045			27			10,649			157,423
	States and political subdivisions			45,237			1,240			140			46,337
	Corporate bonds			20,747			280			145			20,882
			$	346,892		$	1,547		$	18,725		$	329,714
	Held-to-maturity securities
	States and political subdivisions		$	27,839		$	756		$	-		$	28,595
Schedule of Corporation's investments' gross unrealized losses and fair value	The following table shows the Corporation’s investments’ gross unrealized losses and fair value of the Corporation’s investments with unrealized losses that were not deemed to be other-than-temporarily impaired, aggregated by investment class and length of time that individual securities had been in a continuous unrealized loss position at December 31, 2014 and 2013 (dollars in thousands):
	31-Dec-14	Less than 12 months						12 months or greater						Total
		Fair			Unrealized			Fair			Unrealized			Fair		Unrealized
	Type of security	value			losses			value			losses			value		losses
	US government agencies	$	46,977		$	219		$	104,815		$	2,866		$	151,792	$	3,085
	US government sponsored agency mortgage backed securities		21,339			77			128,935			4,052			150,274		4,129
	States and political subdivisions		14,539			142			1,418			8			15,957		150
	Corporate bonds		4,783			17			3,207			37			7,990		54
		$	87,638		$	455		$	238,375		$	6,963		$	326,013	$	7,418
	31-Dec-13	Less than 12 months						12 months or greater						Total
		Fair			Unrealized			Fair			Unrealized			Fair		Unrealized
	Type of security	value			losses			value			losses			value		losses
	US government agencies	$	100,533		$	7,330		$	4,539		$	461		$	105,072	$	7,791
	US government sponsored agency mortgage backed securities		144,134			10,073			8,698			576			152,832		10,649
	States and political subdivisions		2,615			140			-			-			2,615		140
	Corporate bonds		8,590			121			582			24			9,172		145
		$	255,872		$	17,664		$	13,819		$	1,061		$	269,691	$	18,725
Schedule of amortized cost and fair value of available-for-sale securities and held-to-maturity securities, by contractual maturity	The amortized cost and fair value of available-for-sale securities and held-to-maturity securities at December 31, 2014 and 2013, by contractual maturity, are shown below (dollars in thousands). Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties.
	31-Dec-14	Available-for-sale						Held to maturity
		Amortized			Estimated			Amortized			Estimated
		cost			fair value			cost			fair value
	Within one year	$	2,464		$	2,481		$	6,354		$	6,446
	One to five years		91,208			90,775			3,558			3,601
	Five to ten years		112,329			110,508			12,073			12,216
	After ten years		25,367			26,152			-			-
	Mortgage-backed securities		172,035			167,970			-			-
	Total	$	403,403		$	397,886		$	21,985		$	22,263
		Available-for-Sale						Held to Maturity
	31-Dec-13	Amortized			Estimated			Amortized			Estimated
		cost			fair value			cost			fair value
	Within one year	$	5,841		$	5,920		$	3,135		$	3,208
	One to five years		26,404			26,489			7,043			7,305
	Five to ten years		131,468			124,308			16,554			16,953
	After ten years		15,134			15,574			1,107			1,129
	Mortgage-backed securities		168,045			157,423			-			-
	Total	$	346,892		$	329,714		$	27,839		$	28,595

LOANS_Tables

LOANS (Tables)	12 Months Ended
	Dec. 31, 2014
Receivables [Abstract]
Schedule of loans by category	The following table presents the Bank’s loans by category as of December 31, 2014 and 2013 (dollars in thousands):
		December 31,			December 31,
		2014			2013
	Commercial:
	Commercial and industrial	$	99,788		$	94,702
	Non-farm, nonresidential real estate		163,461			176,213
	Construction and development		50,424			29,938
	Commercial loans secured by real estate		27,937			26,940
	Other commercial		41,185			26,582
	Total commercial		382,795			354,375
	Residential and consumer:
	Consumer loans		9,536			10,957
	Single family residential		229,559			213,763
	Other retail		30,162			27,671
	Total residential and consumer		269,257			252,391
			652,052			606,766
	Less:
	Allowance for possible loan losses		(7,934	)		(8,595	)
	Total net loans	$	644,118		$	598,171
Schedule of details regarding the aging loan portfolio	The following table provides details regarding the aging of the Bank’s loan portfolio (dollars in thousands):
	31-Dec-14		30 - 89 days			90 days and			Total past due			Current			Total loans
			past due			greater past
						due
	Retail:
	Consumer	$	79		$	42		$	121		$	9,415		$	9,536
	Single family residential		2,756			464			3,220			226,339			229,559
	Other retail		-			-			-			30,162			30,162
	Retail total		2,835			506			3,341			265,916			269,257
	Commercial:
	Commercial and industrial		326			1,428			1,754			98,034			99,788
	Non-farm, non-residential real estate		558			330			888			162,573			163,461
	Construction and development		-			-			-			50,424			50,424
	Commercial loans secured by real estate		148			172			320			27,617			27,937
	All other commercial		10			1,092			1,102			40,083			41,185
	Commercial total		1,042			3,022			4,064			378,731			382,795
	Total	$	3,877		$	3,528		$	7,405		$	644,647		$	652,052
	31-Dec-13		30 - 89 days			90 days and			Total past due			Current			Total loans
			past due			greater past
						due
	Retail
	Consumer loans	$	182		$	3		$	185		$	10,772		$	10,957
	Single family residential		3,805			83			3,888			209,875			213,763
	Other retail		319			28			347			27,324			27,671
	Retail total		4,306			114			4,420			247,971			252,391
	Commercial
	Commercial and industrial		428			1,328			1,756			92,946			94,702
	Non-farm, non-residential real estate		393			-			393			175,820			176,213
	Construction and development		-			28			28			29,910			29,938
	Commercial loans secured by real estate		38			178			216			26,724			26,940
	Other commercial		-			1,249			1,249			25,333			26,582
	Commercial total		859			2,783			3,642			350,733			354,375
	Total	$	5,165		$	2,897		$	8,062		$	598,704		$	606,766
Summary of impaired loans by loan type	The following table summarizes the impaired loans by loan type as of December 31, 2014 and 2013 (dollars in thousands):
	31-Dec-14		Unpaid			Recorded			Recorded			Total			Related			Average		*		Interest
			contractual			investment			investment			recorded			allowance			recorded		Interest		accrued
			principal			with no			with			investment						investment		received
			balance			allowance			allowance									year to date
	Commercial:
	Commercial and industrial		$	3,760		$	2,734		$	217		$	2,951		$	9		$	3,230	$	97	$	207
	Non-farm, non-residential real estate			3,720			3,241			-			3,241			-			3,570		213		212
	Commercial loans secured by real estate			1,053			564			166			730			33			826		67		77
	Other commercial			1,256			1,092			-			1,092			-			1,171		89		84
	Commercial total			9,789			7,631			383			8,014			42			8,797		466		580
	Retail:
	Single family residential			1,094			539			439			978			10			786		44		42
	Other retail			425			411			-			411			-			369		17		19
	Retail total			1,519			950			439			1,389			10			1,155		61		61
	Total		$	11,308		$	8,581		$	822		$	9,403		$	52		$	9,952	$	527	$	641
	31-Dec-13		Unpaid			Recorded			Recorded			Total			Related			Average		*		Interest
			contractual			investment			investment			recorded			allowance			recorded		Interest		accrued
			principal			with no			with			investment						investment		received
			balance			allowance			allowance									year to date
	Commercial:
	Commercial and industrial		$	2,190		$	1,338		$	234		$	1,572		$	16		$	1,620	$	23	$	134
	Non-farm, non-residential real estate			3,236			1,155			1,551			2,706			282			2,819		157		168
	Construction and development			461			461			-			461			44			556		30		30
	Other commercial			3,834			3,310			178			3,488			-			3,704		225		241
	Commercial total			9,721			6,264			1,963			8,227			342			8,699		435		573
	Retail:
	Single family residential			1,121			568			419			987			118			1,044		52		55
	Other retail			11			-			11			11			11			11		-		-
	Retail total			1,132			568			430			998			129			1,055		52		55
	Total		$	10,853		$	6,832		$	2,393		$	9,225		$	471		$	9,754	$	487	$	628
	* Interest income received is recognized interest income and approximates cash basis.
Summary of nonaccrual loans by loan type	Non-accrual loans, segregated by class of loans, were as follows at December 31, 2014 and 2013 (dollars in thousands):
		31-Dec-14			31-Dec-13
	Retail:
	Consumer	$	42		$	21
	Single family residential		2,237			1,667
	Retail total		2,279			1,688
	Commercial:
	Commercial and industrial		1,428			1,649
	Nonfarm, nonresidential		409			737
	Construction and development		-			68
	Commercial real estate		172			6
	Other commercial		1,092			1,248
	Commercial total		3,101			3,708
	Total	$	5,380		$	5,396
Schedule of troubled debt restructurings	Presented below, segregated by class of loans, are troubled debt restructurings that occurred during the twelve months ended December 31, 2014 and 2013:
		Twelve Months Ended December 31, 2014									Twelve Months Ended December 31, 2013
	(dollars in thousands)	Number of			Post-			Net Charge-offs			Number of			Post-			Net Charge-offs
		Loans			Modification			Resulting from			Loans			Modification			Resulting from
					Outstanding			Modifications						Outstanding			Modifications
					Balance									Balance
	Commercial:
	Nonfarm nonresidential		1		$	4,357		$	-			-		$	-		$	-
	Retail:
	Consumer		-			-			-			3			8			-
	Single family residential		1			316			3			3			167			6
	Total troubled debt restructurings		2		$	4,673		$	3			6		$	175		$	6
Schedule of risk grades and classified loans	The following table presents risk grades and classified loans by class for years ended December 31, 2014 and 2013 (dollars in thousands):
	31-Dec-14	Commercial			Non-farm, non-			Construction			Commercial			All other			Commercial
	Commercial loan portfolio:	and industrial			residential real			and			loans secured			commercial			loan totals
	Credit risk profile by internally				estate loans			development			by residential			loans
	assigned grade										R/E
	Pass	$	97,218		$	159,136		$	50,424		$	27,610		$	39,923		$	374,311
	Special mention		-			958			-			-			170			1,128
	Substandard		2,570			3,367			-			327			1,092			7,356
	Doubtful		-			-			-			-			-			-
	TOTALS	$	99,788		$	163,461		$	50,424		$	27,937		$	41,185		$	382,795
	Retail loan portfolio: Credit	Consumer			Single-family			All other			Retail loan
	risk profiles based on	loans			residential**			retail loans			totals
	delinquency status classification
	Performing	$	9,494		$	226,637		$	29,683		$	265,814
	Non-performing*		42			2,922			479			3,443
	TOTALS	$	9,536		$	229,559		$	30,162		$	269,257
	*Loans are classified as non-performing loans and are automatically placed on non-accrual status once they reach 90 days past due. For the purposes of this table all loans graded substandard or below are included in non-performing loans.
	**Single-family residential loans includes first mortgages, closed-end second mortgages, residential construction loans, and home equity lines of credit (HELOC’s).
	31-Dec-13	Commercial			Non-farm, non-			Construction			Commercial			All other			Commercial
	Commercial loan portfolio:	and industrial			residential real			and			loans secured			commercial			loan totals
	Credit risk profile by internally				estate loans			development			by residential			loans
	assigned grade										R/E
	Pass	$	92,155		$	170,585		$	29,463		$	26,516		$	24,131		$	342,850
	Special mention		836			3,883			-			-			179			4,898
	Substandard		635			1,745			475			424			1,023			4,302
	Doubtful		1,076			-			-			-			1,249			2,325
	TOTALS	$	94,702		$	176,213		$	29,938		$	26,940		$	26,582		$	354,375
	Retail loan portfolio: Credit	Consumer			Single-family			All other			Retail loan
	risk profiles based on	loans			residential**			retail loans			totals
	delinquency status classification
	Performing	$	10,936		$	212,096		$	27,643		$	250,675
	Non-performing*		21			1,667			28			1,716
	TOTALS	$	10,957		$	213,763		$	27,671		$	252,391
	*Loans are classified as non-performing loans and are automatically placed on non-accrual status once they reach 90 days past due. For the purposes of this table all loans graded substandard or below are included in non-performing loans.
	**Single-family residential loans includes first mortgages, closed-end second mortgages, residential construction loans, and home equity lines of credit (HELOC’s).

ALLOWANCE_FOR_LOAN_AND_LEASE_L1

ALLOWANCE FOR LOAN AND LEASE LOSSES (Tables)	12 Months Ended
	Dec. 31, 2014
Allowance For Loan And Lease Losses [Abstract]
Schedule of allowance loan and lease losses	The following table summarizes the allocation in the ALLL by loan segment for the years ended December 31, 2014, 2013 and 2012 (dollars in thousands):
	31-Dec-14	Commercial		Residential			Consumer			Totals
				real estate			and other
							retail
	Beginning balance	$	7,359	$	1,084		$	152		$	8,595
	Less: Charge-offs		739		41			11			791
	Add: Recoveries		99		10			21			130
	Add: Provisions		-		-			-			-
	Ending balance	$	6,719	$	1,053		$	162		$	7,934
	31-Dec-13	Commercial		Residential			Consumer			Totals
				real estate			and other
							retail
	Beginning balance	$	7,528	$	1,109		$	172		$	8,809
	Less: Charge-offs		222		27			49			298
	Add: Recoveries		53		2			29			84
	Add: Provisions		-		-			-			-
	Ending balance	$	7,359	$	1,084		$	152		$	8,595
	31-Dec-12	Commercial		Residential			Consumer			Totals
				real estate			and other
							retail
	Beginning balance	$	6,895	$	2,113		$	192		$	9,200
	Less: Charge-offs		1,690		176			19			1,885
	Add: Recoveries		364		2			8			374
	Add: Provisions		1,959		(830	)		(9	)		1,120
	Ending balance	$	7,528	$	1,109		$	172		$	8,809
Schedule of recorded investment bsed on impairment methodology	The following tables detail the amount of the ALLL allocated to each portfolio segment as of December 31, 2014, 2013 and 2012, disaggregated on the basis of the Corporation’s impairment methodology (dollars in thousands):
	31-Dec-14	Commercial		Residential			Consumer and			Totals
				real estate			other retail
	Loans individually evaluated for impairment	$	42	$	10		$	-		$	52
	Loans collectively evaluated for impairment		6,677		1,043			162			7,882
	Total	$	6,719	$	1,053		$	162		$	7,934
	31-Dec-13	Commercial		Residential			Consumer and			Totals
				real estate			other retail
	Loans individually evaluated for impairment	$	342	$	118		$	11		$	471
	Loans collectively evaluated for impairment		7,017		966			141			8,124
	Total	$	7,359	$	1,084		$	152		$	8,595
	31-Dec-12	Commercial		Residential			Consumer and			Totals
				real estate			other retail
	Loans individually evaluated for impairment	$	221	$	82		$	-		$	303
	Loans collectively evaluated for impairment		7,307		1,027			172			8,506
	Total	$	7,528	$	1,109		$	172		$	8,809
	The following table shows loans as of December 31, 2014, 2013 and 2012 related to each balance in the allowance for possible loan losses by portfolio segment and disaggregated on the basis of the Bank’s impairment methodology (dollars in thousands):
	31-Dec-14	Commercial		Residential			Consumer and			Totals
				real estate			other retail
	Loans individually evaluated for impairment	$	8,014	$	978		$	411		$	9,403
	Loans collectively evaluated for impairment		374,781		228,170			39,698			642,649
	Ending balance	$	382,795	$	229,148		$	40,109		$	652,052
	31-Dec-13	Commercial		Residential			Consumer and			Totals
				real estate			other retail
	Loans individually evaluated for impairment	$	8,227	$	987		$	11		$	9,225
	Loans collectively evaluated for impairment		346,148		212,776			38,617			597,541
	Ending balance	$	354,375	$	213,763		$	38,628		$	606,766
	31-Dec-12	Commercial		Residential			Consumer and			Totals
				real estate			other retail
	Loans individually evaluated for impairment	$	7,627	$	1,015		$	-		$	8,642
	Loans collectively evaluated for impairment		328,298		195,334			34,885			558,517
	Ending balance	$	335,925	$	196,349		$	34,885		$	567,159

PREMISES_AND_EQUIPMENT_Tables

PREMISES AND EQUIPMENT (Tables)	12 Months Ended
	Dec. 31, 2014
Property, Plant and Equipment [Abstract]
Schedule of corporation's assets by category	The following table presents the Corporation’s assets by category at December 31, 2014 and 2013 (dollars in thousands):
		2014			2013
	Land	$	9,152		$	8,223
	Premises		22,858			22,765
	Furniture and equipment		9,738			9,367
	Leasehold improvements		1,859			1,095
			43,607			41,450
	Less allowance for depreciation and amortization		(17,834	)		(16,582	)
		$	25,773		$	24,868

RELATED_PARTY_TRANSACTIONS_Tab

RELATED PARTY TRANSACTIONS (Tables)	12 Months Ended
	Dec. 31, 2014
Related Party Transactions [Abstract]
Schedule of related party transactions	Activity for related party transactions during 2014 and 2013 is as follows (dollars in thousands):
		2014			2013
	Related party extensions of credit, beginning of period	$	3,822		$	3,831
	New loans		2,081			1,116
	Repayments		(1,129	)		(1,125	)
	Related party extension of credit, end of period	$	4,774		$	3,822

LEASES_Tables

LEASES (Tables)	12 Months Ended
	Dec. 31, 2014
Leases [Abstract]
Schedule of future minimum rental payments for operating leases	Future minimum lease commitments as of December 31, 2014 under all noncancelable operating leases with initial terms of one year or more are shown in the following table (dollars in thousands):
	Year	Lease payments
	2015	$	350
	2016		346
	2017		310
	2018		291
	2019		295
	Thereafter		3,482
	Total	$	5,074

FEDERAL_AND_STATE_INCOME_TAXES1

FEDERAL AND STATE INCOME TAXES (Tables)	12 Months Ended
	Dec. 31, 2014
Income Tax Disclosure [Abstract]
Schedule of components of income tax expense (benefit)	The following table presents components of income tax expense attributable to continuing operations for the years ended December 31, 2014, 2013 and 2012 (dollars in thousands):
		2014			2013			2012
	Current	$	3,011		$	915		$	2,256
	Deferred		545			1,785			784
	Total provision for income taxes	$	3,556		$	2,700		$	3,040
	Deferred tax effects of principal temporary differences	2014			2013			2012
	Allowance for possible loan losses	$	3,055		$	3,309		$	3,392
	Deferred compensation		2,557			2,516			2,420
	Write down of other real estate		9			314			1,152
	Deferred gain on OREO sale		-			188			202
	Amortization of core deposit intangible		(1,577	)		(272	)		423
	Recognition of nonaccrual loan income		129			111			152
	Unrealized gains (losses) on available-for-sale securities		2,124			6,613			(2,212	)
	Post retirement benefit obligation		986			890			2,857
	Accelerated depreciation		(973	)		(822	)		(630	)
	Amortization of goodwill		(1,109	)		(2,591	)		(2,376	)
	Alternative minimum tax		-			-			402
	Dividend income - F&M West		-			(372	)		(219	)
	Prepaid expense		(135	)		(178	)		(185	)
	Other		31			240			(370	)
	Net deferred tax asset	$	5,097		$	9,946		$	5,008
	Reconciliation of total income taxes reported with the amount of income taxes computed at the Federal statutory rate (34% each year)	2014			2013			2012
	Tax expense at statutory rate	$	4,692		$	4,191		$	4,236
	Increase (decrease) in taxes resulting from:
	Tax exempt interest		(1,060	)		(1,144	)		(1,275	)
	Nondeductible interest expense		14			18			29
	Employee benefits		(128	)		(196	)		(240	)
	Other nondeductible expenses		38			11			32
	State income taxes net of federal tax benefit		-			-			41
	Dividend income exclusion		-			-			(1	)
	Other		-			(180	)		218
	Total provision for income taxes	$	3,556		$	2,700		$	3,040
	Effective tax rate		25.8	%		21.9	%		24.4	%

BORROWED_FUNDS_Tables

BORROWED FUNDS (Tables)	12 Months Ended
	Dec. 31, 2014
Debt Disclosure [Abstract]
Schedule of short-term borrowings	Short-term borrowings included the following at December 31:
			2014		2013
	Securities sold under repurchase agreements	$	22,834	$	18,095

REGULATORY_MATTERS_Tables

REGULATORY MATTERS (Tables)	12 Months Ended
	Dec. 31, 2014
Regulatory Capital Requirements Under Banking Regulations [Abstract]
Schedule of actual capital amounts and ratios	Actual capital amounts and ratios are presented in the table below (dollars in thousands). Management believes, as of December 31, 2014, that the Corporation and the Bank met the guidelines to which they were subject.
	(Dollars in thousands)		Actual					For minimum capital					Minimum to Be Well Capitalized
								adequacy purposes					under Prompt Corrective Action Provisions
	31-Dec-14		Amount		Ratio			Amount		Ratio			Amount		Ratio
	Total capital (to Risk weighted
	assets)	Consolidated	$	115,532		14.8	%	$	62,628		8	%	$	-		-
		Bank		112,554		14.4	%		62,628		8	%		78,285		10	%
	Tier I capital (to Risk weighted
	assets)	Consolidated		107,598		13.7	%		31,314		4	%		-		-
		Bank		104,620		13.4	%		31,314		4	%		46,971		6	%
	Tier I capital (to Average
	assets)	Consolidated		107,598		9.7	%		44,513		4	%		-		-
		Bank		104,620		9.2	%		45,707		4	%		57,133		5	%
	31-Dec-13
	Total capital (to Risk weighted
	assets)	Consolidated	$	111,807		15.5	%	$	57,525		8	%	$	-		-
		Bank		108,923		15.1	%		57,642		8	%		72,052		10	%
	Tier I capital (to Risk weighted
	assets)	Consolidated		103,212		14.4	%		28,763		4	%		-		-
		Bank		100,328		13.9	%		28,821		4	%		43,231		6	%
	Tier I capital (to Average
	assets)	Consolidated		103,212		9.5	%		43,320		4	%		-		-
		Bank		100,328		9.3	%		43,320		4	%		54,150		5	%

FAIR_VALUE_MEASUREMENTS_Tables

FAIR VALUE MEASUREMENTS (Tables)	12 Months Ended
	Dec. 31, 2014
Fair Value Disclosures [Abstract]
Summary of financial assets measured at fair value on a recurring basis	The following table summarizes financial assets measured at fair value on a recurring basis as of December 31, 2014 and 2013, and by the level within the fair value hierarchy utilized to measure fair value (dollars in thousands):
	31-Dec-14
	Available-for-sale securities	Level 1		Level 2			Level 3				Total
	U.S. government agencies	$	-	$	159,254		$	-			$	159,254
	U.S. government sponsored agency mortgage backed securities		-		167,970			-				167,970
	States and political subdivisions		-		52,882			-				52,882
	Corporate bonds		-		17,780			-				17,780
	Total assets at fair value	$	-	$	397,886		$	-			$	397,886
	31-Dec-13
	Available-for-sale securities	Level 1		Level 2			Level 3				Total
	U.S. government agencies	$	-	$	105,072		$	-			$	105,072
	U.S. government sponsored agency mortgage backed securities		-		157,423			-				157,423
	States and political subdivisions		-		46,337			-				46,337
	Corporate bonds		-		20,882			-				20,882
	Total assets at fair value	$	-	$	329,714		$	-			$	329,714
Summary of financial assets measured at fair value on a nonrecurring basis	The following table summarizes financial assets measured at fair value on a nonrecurring basis as of December 31, 2014 and December 31, 2013, by the level within the fair value hierarchy utilized to measure fair value (dollars in thousands):
	31-Dec-14
		Level 1		Level 2			Level 3				Total
	Impaired loans (collateral-dependent)	$	-	$	-		$	1,184			$	1,184
	Other real estate owned		-		-			-				-
	31-Dec-13
		Level 1		Level 2			Level 3				Total
	Impaired loans (collateral-dependent)	$	-	$	-		$	2,214			$	2,214
	Other real estate owned		-		-			208				208
Schedule of quantitative information about unobservable inputs	The following table presents quantitative information about unobservable inputs used in nonrecurring Level 3 fair value measurements as of December 31, 2014 and 2013 (dollars in thousands):
			Quantitative Information about Level 3 Fair Value Measurements
		Fair value at		Valuation		Unobservable			Range
		December 31,		technique(s)		input			(weighted
		2014							average)
	Impaired loans (collateral-dependent)	$	1,184		Market comparable		Marketability			5.0% - 10.0%
					properties		discount			-7%
			Quantitative Information about Level 3 Fair Value Measurements
		Fair value at		Valuation		Unobservable			Range
		December 31,		technique(s)		input			(weighted
		2013							average)
	Impaired loans (collateral-dependent)	$	2,214		Market comparable properties		Marketability discount			5.0% - 10.0%
										-7%
	Other real estate/assets owned	$	208		Market comparable properties		Marketability discount			5.0% - 10.0%
										-7%
Schedule of estimated fair values of the financial instruments	The following tables present estimated fair values of the Corporation’s financial instruments as of December 31, 2014 and 2013, and indicate the levels within the fair value hierarchy of the valuation techniques (dollars in thousands):
	Fair Value Measurements at December 31, 2014 Using
		Carrying		Quoted prices			Significant				Significant
		amount		in active			other				unobservable
				markets for			observable				inputs (Level 3)
				identical assets			inputs (Level 2)
				(Level 1)
	Financial assets
	Cash and due from banks	$	18,511	$	18,511		$	-			$	-
	Interest-bearing deposits in other banks		10,086		10,086			-				-
	Federal funds sold		1,700		1,700			-				-
	Federal Home Loan Bank and Federal Reserve Bank stock		3,879		-			3,879				-
	Securities available-for-sale		397,886		-			397,886				-
	Securities held-to-maturity		21,985		-			22,263				-
	Loans held for sale		354		354			-				-
	Loans, net		644,118		-			-				650,770
	Accrued interest receivable		4,337		-			4,337				-
	Financial liabilities
	Non-interest bearing deposits		204,358		204,358			-				-
	Interest bearing deposits		815,597		-			816,022				-
	Repurchase agreements		22,834		-			22,834				-
	Accrued interest payable		613		-			613				-
	Off-balance sheet credit related instruments:
	Commitments to extend credit and letters of credit				-			-				-
	Fair Value Measurements at December 31, 2013 Using
		Carrying		Quoted prices			Significant				Significant
		amount		in active			other				unobservable
				markets for			observable				inputs (Level 3)
				identical assets			inputs (Level 2)
				(Level 1)
	Financial assets
	Cash and due from banks	$	20,391	$	20,391		$	-			$	-
	Interest-bearing deposits in other banks		25,167		25,167			-				-
	Federal funds sold		9,850		9,850			-				-
	Federal Home Loan Bank and Federal Reserve Bank stock		3,879		-			3,879				-
	Securities available-for-sale		329,714		-			329,714				-
	Securities held-to-maturity		27,839		-			28,595				-
	Loans held for sale		327		327			-				-
	Loans, net		598,171		-			-				607,113
	Accrued interest receivable		4,183		-			4,183				-
	Financial liabilities
	Non-interest bearing deposits		179,823		179,823			-				-
	Interest bearing deposits		777,514		-			778,682				-
	Repurchase agreements		18,095		-			18,095				-
	Accrued interest payable		663		-			663				-
	Off-balance sheet credit related instruments:
	Commitments to extend credit and letters of credit		-		-			-				-

QUARTERLY_RESULTS_OF_OPERATION1

QUARTERLY RESULTS OF OPERATIONS (Tables)	12 Months Ended
	Dec. 31, 2014
Quarterly Financial Information Disclosure [Abstract]
Schedule of unaudited quarterly interim financial information for the Corporation	The following table presents unaudited quarterly interim financial information for the Corporation for the years ended December 31, 2014 and 2013 (dollars in thousands):
	2014	First		Second		Third		Fourth		Total
		Quarter		Quarter		Quarter		Quarter
	Interest income	$	9,042	$	9,103	$	9,351	$	9,284	$	36,780
	Interest expense		620		623		605		580		2,428
	Net interest income		8,422		8,480		8,746		8,704		34,352
	Provision for possible loan losses, net		-		-		-		-		-
	Noninterest income		2,651		3,091		3,177		2,808		11,727
	Noninterest expenses		8,098		8,033		8,166		7,984		32,281
	Income before income taxes		2,975		3,538		3,757		3,528		13,798
	Income taxes		713		941		1,031		871		3,556
	Net income	$	2,262	$	2,597	$	2,726	$	2,657	$	10,242
	Basic earnings per share		0.45		0.52		0.55		0.54		2.06
	Weighted average shares outstanding per quarter		5,017,789		4,977,506		4,934,815		4,909,910		4,963,826
	2013	First		Second		Third		Fourth		Total
		Quarter		Quarter		Quarter		Quarter
	Interest income	$	9,223	$	9,523	$	9,328	$	9,287	$	37,361
	Interest expense		834		751		679		643		2,907
	Net interest income		8,389		8,772		8,649		8,644		34,454
	Provision for possible loan losses, net		-		-		-		-		-
	Noninterest income		3,329		2,620		2,509		2,658		11,116
	Noninterest expenses		8,105		8,165		8,322		8,667		33,259
	Income before income taxes		3,613		3,227		2,836		2,635		12,311
	Income taxes		557		842		779		522		2,700
	Net income	$	3,056	$	2,385	$	2,057	$	2,113	$	9,611
	Basic earnings per share		0.59		0.46		0.4		0.42		1.88
	Weighted average shares outstanding per quarter		5,178,759		5,133,051		5,086,469		5,046,833		5,110,849

DEPOSITS_Tables

DEPOSITS (Tables)	12 Months Ended
	Dec. 31, 2014
Banking and Thrift [Abstract]
Schedule of maturities of time deposits of $100 or more	The Bank does not have any foreign offices and all deposits are serviced in its 18 domestic offices. Maturities of time deposits of $100 or more at December 31, 2014 and 2013 are as follows (dollars in thousands):
		2014		2013
	Under 3 months	$	29,629	$	31,514
	3 to 12 months		71,489		63,429
	Over 12 months		18,399		27,834
	Total	$	119,517	$	122,777
Schedule of maturities of interest-bearing time deposits	The following table presents maturities of interest-bearing time deposits as of December 31, 2014 (dollars in thousands):
	2015	$	185,714
	2016		20,460
	2017		8,160
	2018		5,164
	2019		7,091
	Thereafter		-
	Total	$	226,589

CONDENSED_FINANCIAL_INFORMATIO1

CONDENSED FINANCIAL INFORMATION OF THE CORPORATION (Tables)	12 Months Ended
	Dec. 31, 2014
Condensed Financial Information of Parent Company Only Disclosure [Abstract]
Schedule of condensed balance sheets
	CONDENSED BALANCE SHEETS
		As of December 31,
		2014			2013
	Cash	$	271		$	23
	Investment in bank subsidiary		111,512			101,226
	Investment in credit life insurance company		54			54
	Investment in other securities		17			17
	Dividends receivable from bank subsidiary		1,813			2,058
	Cash surrender value - life insurance		4,474			4,409
	Total assets	$	118,141		$	107,787
	Liabilities
	Accrued liabilities	$	1,839		$	1,820
	Dividends payable		1,813			1,858
	Total liabilities		3,652			3,678
	Shareholders’ equity
	Common stock - $10 par value, 8,000,000 shares authorized; 4,900,576 and 5,021,012 shares issued and outstanding, as of December 31, 2014 and December 31, 2013, respectively		49,006			50,210
	Retained earnings		67,609			62,900
	Accumulated other comprehensive income (loss)		(2,126	)		(9,001	)
	Total shareholders’ equity		114,489			104,109
	Total liabilities and shareholders’ equity	$	118,141		$	107,787
Schedule of statements of income	CONDENSED STATEMENTS OF INCOME
		Years ended December 31,
		2014			2013			2012
	Operating income
	Dividends from bank subsidiary	$	7,038		$	7,663		$	7,289
	Other dividend income		8			15			18
	Other		65			65			135
	Operating expenses		(279	)		(238	)		(218	)
	Income before equity in undistributed net income of bank subsidiary		6,832			7,505			7,224
	Equity in undistributed net income of bank subsidiary		3,410			2,106			2,180
	Net Income	$	10,242		$	9,611		$	9,404
Schedule of statements of comprehensive income	CONDENSED STATEMENTS OF COMPREHENSIVE INCOME (LOSS)
		Years ended December 31,
		2014			2013			2012
	Net income for common shareholders	$	10,242		$	9,611		$	9,404
	Other comprehensive income (loss)
	Unrealized appreciation (depreciation) on available-for-sale securities, net of taxes of $4,742, ($8,507) and $1,204, respectively		7,571			(13,589	)		1,923
	Reclassification adjustment for realized gains included in net income, net of taxes of ($251), ($319) and ($883), respectively		(401	)		(510	)		(1,411	)
	Change in unfunded portion of postretirement benefit obligations, net of taxes of ($185), $2,102, and ($1,243), respectively		(295	)		3,360			(1,982	)
	Other comprehensive income (loss)		6,875			(10,739	)		(1,470	)
	Total comprehensive income (loss)	$	17,117		$	(1,128	)	$	7,934
Schedule of statements of cash flows	CONDENSED STATEMENTS OF CASH FLOWS
		Years ended December 31,
		2014			2013			2012
	Operating activities
	Net income	$	10,242		$	9,611		$	9,404
	Adjustments to reconcile net income to net cash provided by operating activities
	Equity in undistributed net income of bank subsidiary		(3,410	)		(2,106	)		(2,180	)
	Increase in cash surrender value of life insurance contracts		(65	)		(65	)		(135	)
	(Increase) decrease in other assets		245			(90	)		56
	Decrease in payables		18			134			127
	Total adjustments		(3,212	)		(2,127	)		(2,132	)
	Net cash provided by operating activities		7,030			7,484			7,272
	Investing activities
	Purchase of single premium life insurance policy		-			-			(310	)
	Net cash used by investing activities		-			-			(310	)
	Financing activities
	Payment to repurchase common stock		(3,097	)		(3,722	)		(3,400	)
	Cash dividends paid		(3,685	)		(3,800	)		(3,944	)
	Net cash used by financing activities		(6,782	)		(7,522	)		(7,344	)
	Increase (decrease) in cash		248			(38	)		(382	)
	Cash at beginning of year		23			61			443
	Cash at end of year	$	271		$	23		$	61

POST_RETIREMENT_BENEFIT_PLAN_T

POST RETIREMENT BENEFIT PLAN (Tables)	12 Months Ended
	Dec. 31, 2014
Compensation and Retirement Disclosure [Abstract]
Schedule of defined benefit plans disclosures	The following table provides further information about the plan:
		Post-retirement benefits
		2014			2013
	Change in benefit obligation
	Benefit obligation at beginning of year	$	2,313		$	7,421
	Service cost		33			138
	Interest cost		111			292
	Plan participants’ contributions		-			-
	Expected benefits paid		(183	)		(266	)
	Negative plan amendment		-			(2,662	)
	Actuarial (gain) loss		286			(2,558	)
	Amendments		-			(52	)
	Benefit obligation at end of year	$	2,560		$	2,313
	Change in fair value of assets
	Fair value of plans assets at beginning of year	$	-		$	-
	Employer contribution		183			266
	Benefits paid		(183	)		(266	)
	Fair value of plan assets at end of year	$	-		$	-
	Reconciliation of funded status
	Projected benefit obligation, end of year	$	(2,560	)	$	(2,313	)
	Fair value of assets, end of year		-			-
	Funded status, end of year	$	(2,560	)	$	(2,313
Schedule of defined benefit plan amounts recognized in other comprehensive income (loss)	Amounts recognized in accumulated other comprehensive income not yet recognized as components of net periodic benefit cost consist of:
		2014			2013
	Unrecognzied net actuarial (gain) loss	$	(2,016	)	$	(2,490	)
	Unrecognized prior service cost		(46	)		(52	)
		$	(2,062	)	$	(2,542	)
Schedule of statement of financial position	Amounts recognized in statement of financial position are as follows:
		2014			2013
	Current liability	$	-		$	183
	Noncurrent liability		2,560			2,130
	Total	$	2,560		$	2,313
Schedule of reconciliation of other comprehensive income	A reconciliation of other comprehensive income is as follows:
		Post-retirement benefits
		2014			2013				2012
	Accumulated other comprehensive income beginning of year	$	(2,542	)	$	2,920			$	(305	)
	Amortization of net actuarial gain (loss)		188			(190	)			-
	Negative plan amendment gain		-			(2,662	)			-
	Loss/(gain) incurred in current year		287			(2,558	)			3,225
	Prior service cost established in current year		5			(52	)			-
	Other comprehensive income/(loss)		480			(5,462	)			3,225
	Ending balance (before tax effects)	$	(2,062	)	$	(2,542	)		$	2,920
Schedule of components of net periodic benefit cost
		Post-retirement benefits
	Components of net periodic benefit cost
		2014			2013				2012
	Service cost	$	34		$	138			$	91
	Interest cost		111			292				351
	Amortization of prior service cost		(5	)		-				-
	Recognized net actuarial (gain) loss		(188	)		190				-
	Net periodic benefit cost (income)	$	(48	)	$	620			$	442
Schedule of amounts in accumulated other comprehensive income (loss) to be recognized over next fiscal year	The estimated net gain for the defined benefits postretirement plan that will be amortized from accumulated other comprehensive income into net periodic benefit cost over the next fiscal year is $160.
		Post-retirement benefits
	Weighted-average assumption used to determine benefit obligation:	2014			2013
	Discount rate		4.25	%		5	%
	Rate of compensation increase		NA			NA
		Post-retirement benefits
	Weighted-average assumptions used to determine benefit costs:	2014			2013
	Discount rate		5	%		4	%
Schedule of health care cost trend rates	The following table gives the Health Care Cost Trend, which is applied to gross charges, net claims and retiree paid premiums to reflect the Corporation’s past practice and stated ongoing intention to maintain relatively constant cost sharing between the Corporation and retirees:
	Health care trend rate	2014				2013
	Initial
	Pre-65		9	%			11	%
	Post-65		8	%			7.5	%
	Ultimate (pre and post-65)		5	%			5	%
	Years to ultimate
	Pre-65		8				6
	Post-65		6				5
Schedule of expected benefit payments	The following benefit payments, which reflect expected future service, as appropriate, are expected to be paid, net of participant contributions:
	FYE			Company
				benefits
	2015		$	174
	2016			168
	2017			157
	2018			190
	2019			174
	2020 - 2024			986
			$	1,849
Schedule of effect of one-percentage-point change in assumed health care cost trend rates	Assumed health care cost trend rates have a significant effect on the amounts reported for the health care plans. A one-percentage-point change in assumed health care cost trend rates would have the following effects:
			1-percentage-point		1-percentage-
			increase		point decrease
	Effect on total of service and interest cost		11		(6	)
	Effect on postretirement benefit obligation		283		(133	)

GENERAL_AND_SUMMARY_OF_SIGNIFI3

GENERAL AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) (USD $)	3 Months Ended								12 Months Ended
In Thousands, except Share data, unless otherwise specified	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
General And Summary Of Significant Accounting Policies Details
Numerator - Net income available to common shareholders	$2,657	$2,726	$2,597	$2,262	$2,113	$2,057	$2,385	$3,056	$10,242	$9,611	$9,404
Denominator - Weighted average common shares outstanding	4,909,910	4,934,815	4,977,506	5,017,789	5,046,833	5,086,469	5,133,051	5,178,759	4,963,826	5,110,849	5,315,634
Basic net income per common share available to common shareholders	$0.54	$0.55	$0.52	$0.45	$0.42	$0.40	$0.46	$0.59	$2.06	$1.88	$1.77

GENERAL_AND_SUMMARY_OF_SIGNIFI4

GENERAL AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details 1) (USD $)	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Accumulated Other Comprehensive Income (Loss) [Line Items]
Accumulated other comprehensive loss, before tax	($3,455)	($14,636)	$2,827
Tax effect - (expense) benefit	1,329	5,635	-1,089
Accumulated other comprehensive income (loss)	-2,126	-9,001
Accumulated Net Unrealized Investment Gain (Loss) [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Accumulated other comprehensive loss, before tax	-5,517	-17,178	5,747
Accumulated Defined Benefit Plans Adjustment [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Accumulated other comprehensive loss, before tax	$2,062	$2,542	($2,920)

GENERAL_AND_SUMMARY_OF_SIGNIFI5

GENERAL AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details Textual) (USD $)	12 Months Ended
In Thousands, except Share data, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2012	Dec. 31, 2013
Unsecured Commercial Loan Is Considered Uncollectable the Loan Is Charged Off Not Later Than Past Due Number of Days	90
Loans And Installment And Revolving Loans Are Charged Off Not Later Than Number Of Days	120
Exceeded Federal Deposit Corp Insurance Limits With The Amount	$3,940
Policy For Determining The Frequency Of Periodic Reviews Is Based Upon Consideration Of The Specific Properties Or Perceived Market Fluctuations In Months Minimum	12
Policy For Determining The Frequency Of Periodic Reviews Is Based Upon Consideration Of The Specific Properties Or Perceived Market Fluctuations In Months maximum	24
Corporation Adopted To Purchase Number Of Shares			158,988
Property, Plant and Equipment, Depreciation Methods	Accelerated method
Cash Deposit At Federal Reserve Amount	8,748
Mortgage loans held-for-sale	354		327
Federal reserve and federal home loan bank stock	$3,879		$3,879
Maturity period of securities sold under agreements to repurchase	One to four days
Number of operating segments	1
Income tax examination, likelihood of unfavorable settlement	More than 50 percent
Number of shares repurchased	120,436	150,000
Number of shares authorized to be repurchased	200,000	150,000
Rental and Leasing [Member]
Concentration risk, percentage	119.20%
Health Care and Social Assistance Credits [Member]
Concentration risk, percentage	41.30%
Manufacturing and Construction Credits [Member]
Concentration risk, percentage	21.20%
Wholesale Trade Credits [Member]
Concentration risk, percentage	21.00%
Non Farm and Non Residential Real Estate [Member]
Concentration risk, percentage	25.10%
Equipment [Member]
Property, Plant and Equipment, Estimated Useful Lives	Three to 25 years
Building [Member]
Property, Plant and Equipment, Estimated Useful Lives	15 to 39 years
Credit Concentration Risk [Member]
Concentration risk, description	Tier 1 Capital plus the allowance for loan and lease losses

RECLASSIFICATIONS_FROM_ACCUMUL2

RECLASSIFICATIONS FROM ACCUMULATED OTHER COMPREHENSIVE INCOME (AOCI) (Details) (USD $)	3 Months Ended								12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Tax (expense) benefit	($871)	($1,031)	($941)	($713)	($522)	($779)	($842)	($557)	($3,556)	($2,700)	($3,040)
Net income for common shareholders	2,657	2,726	2,597	2,262	2,113	2,057	2,385	3,056	10,242	9,611	9,404
Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Gain (loss) on sale of securities									517	393	1,411
Reclassification out of Accumulated Other Comprehensive Income [Member] | Accumulated Net Unrealized Investment Gain (Loss) [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Gain (loss) on sale of securities									652	829	2,294
Tax (expense) benefit									-251	-319	-883
Net income for common shareholders									401	510	1,411
Reclassification out of Accumulated Other Comprehensive Income [Member] | Accumulated Defined Benefit Plans Adjustment [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Gain (loss) on sale of securities									188	-190
Tax (expense) benefit									-72	73
Net income for common shareholders									$116	($117)

SECURITIES_Details

SECURITIES (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Available-For-Sale Securities
Amortized Cost	$403,403	$346,892
Gross Unrealized Gains	1,901	1,547
Gross Unrealized Losses	7,418	18,725
Fair Value	397,886	329,714
Held-to-maturity securities
Amortized Cost	21,985	27,839
Fair Value	22,263	28,595
US Government Agencies Debt Securities [Member]
Available-For-Sale Securities
Amortized Cost	162,289	112,863
Gross Unrealized Gains	50
Gross Unrealized Losses	3,085	7,791
Fair Value	159,254	105,072
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Available-For-Sale Securities
Amortized Cost	172,035	168,045
Gross Unrealized Gains	64	27
Gross Unrealized Losses	4,129	10,649
Fair Value	167,970	157,423
US States and Political Subdivisions Debt Securities [Member]
Available-For-Sale Securities
Amortized Cost	51,374	45,237
Gross Unrealized Gains	1,658	1,240
Gross Unrealized Losses	150	140
Fair Value	52,882	46,337
Held-to-maturity securities
Amortized Cost	21,985	27,839
Gross Unrealized Gains	278	756
Gross Unrealized Losses
Fair Value	22,263	28,595
Corporate Debt Securities [Member]
Available-For-Sale Securities
Amortized Cost	17,705	20,747
Gross Unrealized Gains	129	280
Gross Unrealized Losses	54	145
Fair Value	$17,780	$20,882

SECURITIES_Details_1

SECURITIES (Details 1) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Fair Value
Less than 12 months	$87,638	$255,872
12 months or Greater	238,375	13,819
Total	326,013	269,691
Unrealized Losses
Less than 12 months	455	17,664
12 months or Greater	6,963	1,061
Total	7,418	18,725
US Government Agencies Debt Securities [Member]
Fair Value
Less than 12 months	46,977	100,533
12 months or Greater	104,815	4,539
Total	151,792	105,072
Unrealized Losses
Less than 12 months	219	7,330
12 months or Greater	2,866	461
Total	3,085	7,791
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Fair Value
Less than 12 months	21,339	144,134
12 months or Greater	128,935	8,698
Total	150,274	152,832
Unrealized Losses
Less than 12 months	77	10,073
12 months or Greater	4,052	576
Total	4,129	10,649
US States and Political Subdivisions Debt Securities [Member]
Fair Value
Less than 12 months	14,539	2,615
12 months or Greater	1,418
Total	15,957	2,615
Unrealized Losses
Less than 12 months	142	140
12 months or Greater	8
Total	150	140
Corporate Debt Securities [Member]
Fair Value
Less than 12 months	4,783	8,590
12 months or Greater	3,207	582
Total	7,990	9,172
Unrealized Losses
Less than 12 months	17	121
12 months or Greater	37	24
Total	$54	$145

SECURITIES_Details_2

SECURITIES (Details 2) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Amortized Cost
Within one year	$2,464	$5,841
One to five years	91,208	26,404
Five to ten years	112,329	131,468
After ten years	25,367	15,134
Mortgage-backed securities	172,035	168,045
Total	403,403	346,892
Estimated Fair Value
Within one year	2,481	5,920
One to five years	90,775	26,489
Five to ten years	110,508	124,308
After ten years	26,152	15,574
Mortgage-backed securities	167,970	157,423
Total	397,886	329,714
Amortized Cost
Within one year	6,354	3,135
One to five years	3,558	7,043
Five to ten years	12,073	16,554
After ten years		1,107
Mortgage-backed securities
Total	21,985	27,839
Estimated Fair Value
Within one year	6,446	3,208
One to five years	3,601	7,305
Five to ten years	12,216	16,953
After ten years		1,129
Mortgage-backed securities
Fair Value	$22,263	$28,595

SECURITIES_Details_Textual

SECURITIES (Details Textual) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Available for Sale Securities and Held to Maturity Securities Continuous Unrealized Loss Position Fair Value	$326,013	$269,691
Available-for-sale and held-to-maturity of investment portfolio (in percent)	78.00%	75.00%
Unrealized loss on securities	7,418
Available-for-sale Securities, Gross Realized Gains	737	1,026	2,455
Available for Sale and Held to Maturity Securities Pledged as Collateral	217,236	210,494
Assets Sold under Agreements to Repurchase, Carrying Amount	34,972	34,978
Available-for-sale Securities, Gross Realized Losses	85	197	161
Corporate Debt Securities [Member]
Available for Sale Securities and Held to Maturity Securities Continuous Unrealized Loss Position Fair Value	7,990	9,172
Held to maturity security transfer to available-for-sale, carrying value	450
Available-for-sale Securities, Gross Realized Gains	$5

LOANS_Details

LOANS (Details) (USD $)	Dec. 31, 2014		Dec. 31, 2013		Dec. 31, 2012	Dec. 31, 2011
In Thousands, unless otherwise specified
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	$652,052		$606,766		$567,159
Allowance for possible loan losses	-7,934		-8,595		-8,809	-9,200
Net loans	644,118		598,171
Commercial and Industrial Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	99,788		94,702
Non Farm, Non Residential Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	163,461		176,213
Construction and Development Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	50,424		29,938
Commercial loans secured by real estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	27,937		26,940
Other Commercial Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	41,185		26,582
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	382,795		354,375		335,925
Allowance for possible loan losses	-6,719		-7,359		-7,528	-6,895
Consumer loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	9,536		10,957
Single Family Residential Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	229,559	[1]	213,763	[1]
Other Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	30,162		27,671
Residential and Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans	$269,257		$252,391
[1]	Single-family residential loans includes first mortgages, closed-end second mortgages, residential construction loans, and home equity lines of credit (HELOC's).

LOANS_Details_1

LOANS (Details 1) (USD $)	Dec. 31, 2014		Dec. 31, 2013		Dec. 31, 2012
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 89 Days past due	$3,877		$5,165
90 Days and greater Past Due	3,528		2,897
Total past due	7,405		8,062
Current	644,647		598,704
Total loans	652,052		606,766		567,159
Consumer loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 89 Days past due	79		182
90 Days and greater Past Due	42		3
Total past due	121		185
Current	9,415		10,772
Total loans	9,536		10,957
Single Family Residential Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 89 Days past due	2,756		3,805
90 Days and greater Past Due	464		83
Total past due	3,220		3,888
Current	226,339		209,875
Total loans	229,559	[1]	213,763	[1]
Other Retail Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 89 Days past due			319
90 Days and greater Past Due			28
Total past due			347
Current	30,162		27,324
Total loans	30,162		27,671
Residential and Consumer [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 89 Days past due	2,835		4,306
90 Days and greater Past Due	506		114
Total past due	3,341		4,420
Current	265,916		247,971
Total loans	269,257		252,391
Commercial and Industrial Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 89 Days past due	326		428
90 Days and greater Past Due	1,428		1,328
Total past due	1,754		1,756
Current	98,034		92,946
Total loans	99,788		94,702
Non Farm, Non Residential Real Estate Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 89 Days past due	558		393
90 Days and greater Past Due	330
Total past due	888		393
Current	162,573		175,820
Total loans	163,461		176,213
Construction and Development Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 89 Days past due
90 Days and greater Past Due			28
Total past due			28
Current	50,424		29,910
Total loans	50,424		29,938
Commercial loans secured by real estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 89 Days past due	148		38
90 Days and greater Past Due	172		178
Total past due	320		216
Current	27,617		26,724
Total loans	27,937		26,940
Other Commercial Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 89 Days past due	10
90 Days and greater Past Due	1,092		1,249
Total past due	1,102		1,249
Current	40,083		25,333
Total loans	41,185		26,582
Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30 - 89 Days past due	1,042		859
90 Days and greater Past Due	3,022		2,783
Total past due	4,064		3,642
Current	378,731		350,733
Total loans	$382,795		$354,375		$335,925
[1]	Single-family residential loans includes first mortgages, closed-end second mortgages, residential construction loans, and home equity lines of credit (HELOC's).

LOANS_Details_2

LOANS (Details 2) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014		Dec. 31, 2013
Financing Receivable, Impaired [Line Items]
Unpaid Contractual Principal Balance	$11,308		$10,853
Recorded Investment With No Allowance	8,581		6,832
Recorded Investment With Allowance	822		2,393
Total Recorded Investment	9,403		9,225
Related Allowance	52		471
Average Recorded Investment	9,952		9,754
Interest Received	527	[1]	487	[1]
Interest Accrued	641		628
Commercial and Industrial Loans [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Contractual Principal Balance	3,760		2,190
Recorded Investment With No Allowance	2,734		1,338
Recorded Investment With Allowance	217		234
Total Recorded Investment	2,951		1,572
Related Allowance	9		16
Average Recorded Investment	3,230		1,620
Interest Received	97	[1]	23	[1]
Interest Accrued	207		134
Non Farm, Non Residential Real Estate Loans [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Contractual Principal Balance	3,720		3,236
Recorded Investment With No Allowance	3,241		1,155
Recorded Investment With Allowance			1,551
Total Recorded Investment	3,241		2,706
Related Allowance			282
Average Recorded Investment	3,570		2,819
Interest Received	213	[1]	157	[1]
Interest Accrued	212		168
Commercial loans secured by real estate [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Contractual Principal Balance	1,053		461
Recorded Investment With No Allowance	564		461
Recorded Investment With Allowance	166
Total Recorded Investment	730		461
Related Allowance	33		44
Average Recorded Investment	826		556
Interest Received	67	[1]	30	[1]
Interest Accrued	77		30
Other Commercial Loans [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Contractual Principal Balance	1,256		3,834
Recorded Investment With No Allowance	1,092		3,310
Recorded Investment With Allowance			178
Total Recorded Investment	1,092		3,488
Related Allowance
Average Recorded Investment	1,171		3,704
Interest Received	89	[1]	225	[1]
Interest Accrued	84		241
Commercial [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Contractual Principal Balance	9,789		9,721
Recorded Investment With No Allowance	7,631		6,264
Recorded Investment With Allowance	383		1,963
Total Recorded Investment	8,014		8,227
Related Allowance	42		342
Average Recorded Investment	8,797		8,699
Interest Received	466	[1]	435	[1]
Interest Accrued	580		573
Single Family Residential Loans [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Contractual Principal Balance	1,094		1,121
Recorded Investment With No Allowance	539		568
Recorded Investment With Allowance	439		419
Total Recorded Investment	978		987
Related Allowance	10		118
Average Recorded Investment	786		1,044
Interest Received	44	[1]	52	[1]
Interest Accrued	42		55
Other Retail Loans [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Contractual Principal Balance	425		11
Recorded Investment With No Allowance	411
Recorded Investment With Allowance			11
Total Recorded Investment	411		11
Related Allowance			11
Average Recorded Investment	369		11
Interest Received	17	[1]		[1]
Interest Accrued	19
Residential and Consumer [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Contractual Principal Balance	1,519		1,132
Recorded Investment With No Allowance	950		568
Recorded Investment With Allowance	439		430
Total Recorded Investment	1,389		998
Related Allowance	10		129
Average Recorded Investment	1,155		1,055
Interest Received	61	[1]	52	[1]
Interest Accrued	$61		$55
[1]	Interest income received is recognized interest income and approximates cash basis.

LOANS_Details_3

LOANS (Details 3) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	$5,380	$5,396
Consumer loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	42	21
Single Family Residential Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	2,237	1,667
Residential and Consumer [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	2,279	1,688
Commercial and Industrial Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	1,428	1,649
Non Farm, Non Residential Real Estate Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	409	737
Construction and Development Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total		68
Commercial loans secured by real estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	172	6
Other Commercial Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	1,092	1,248
Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	$3,101	$3,708

LOANS_Details_4

LOANS (Details 4) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Financing Receivable, Modifications [Line Items]
Number of loans	2	6
Post-modification outstanding balance	$4,673	$175
Net charge-offs resulting from modifications	3	6
Non Farm, Non Residential Real Estate Loans [Member]
Financing Receivable, Modifications [Line Items]
Number of loans	1
Post-modification outstanding balance	4,357
Net charge-offs resulting from modifications
Consumer loans [Member]
Financing Receivable, Modifications [Line Items]
Number of loans		3
Post-modification outstanding balance		8
Net charge-offs resulting from modifications
Single Family Residential Loans [Member]
Financing Receivable, Modifications [Line Items]
Number of loans	1	3
Post-modification outstanding balance	316	167
Net charge-offs resulting from modifications	$3	$6

LOANS_Details_5

LOANS (Details 5) (USD $)	Dec. 31, 2014		Dec. 31, 2013		Dec. 31, 2012
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment [Line Items]
Total loans	$652,052		$606,766		$567,159
Commercial and Industrial Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	99,788		94,702
Non Farm, Non Residential Real Estate Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	163,461		176,213
Construction and Development Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	50,424		29,938
Commercial loans secured by real estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	27,937		26,940
Other Commercial Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	41,185		26,582
Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	382,795		354,375		335,925
Consumer loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	9,536		10,957
Single Family Residential Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	229,559	[1]	213,763	[1]
Other Retail Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	30,162		27,671
Residential and Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	269,257		252,391
Pass [Member] | Commercial and Industrial Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	97,218		92,155
Pass [Member] | Non Farm, Non Residential Real Estate Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	159,136		170,585
Pass [Member] | Construction and Development Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	50,424		29,463
Pass [Member] | Commercial loans secured by real estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	27,610		26,516
Pass [Member] | Other Commercial Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	39,923		24,131
Pass [Member] | Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	374,311		342,850
Special Mention [Member] | Commercial and Industrial Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans			836
Special Mention [Member] | Non Farm, Non Residential Real Estate Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	958		3,883
Special Mention [Member] | Construction and Development Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans
Special Mention [Member] | Commercial loans secured by real estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans
Special Mention [Member] | Other Commercial Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	170		179
Special Mention [Member] | Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	1,128		4,898
Substandard [Member] | Commercial and Industrial Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	2,570		635
Substandard [Member] | Non Farm, Non Residential Real Estate Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	3,367		1,745
Substandard [Member] | Construction and Development Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans			475
Substandard [Member] | Commercial loans secured by real estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	327		424
Substandard [Member] | Other Commercial Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	1,092		1,023
Substandard [Member] | Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	7,356		4,302
Doubtful [Member] | Commercial and Industrial Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans			1,076
Doubtful [Member] | Non Farm, Non Residential Real Estate Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans
Doubtful [Member] | Construction and Development Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans
Doubtful [Member] | Commercial loans secured by real estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans
Doubtful [Member] | Other Commercial Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans			1,249
Doubtful [Member] | Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans			2,325
Performing Financing Receivable [Member] | Consumer loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	9,494		10,936
Performing Financing Receivable [Member] | Single Family Residential Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	226,637	[1]	212,096	[1]
Performing Financing Receivable [Member] | Other Retail Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	29,683		27,643
Performing Financing Receivable [Member] | Residential and Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	265,814		250,675
Nonperforming Financing Receivable [Member] | Consumer loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	42	[2]	21	[2]
Nonperforming Financing Receivable [Member] | Single Family Residential Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	2,922	[1],[2]	1,667	[1],[2]
Nonperforming Financing Receivable [Member] | Other Retail Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	479	[2]	28	[2]
Nonperforming Financing Receivable [Member] | Residential and Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans	$3,443	[2]	$1,716	[2]
[1]	Single-family residential loans includes first mortgages, closed-end second mortgages, residential construction loans, and home equity lines of credit (HELOC's).
[2]	Loans are classified as non-performing loans and are automatically placed on non-accrual status once they reach 90 days past due. For the purposes of this table all loans graded substandard or below are included in non-performing loans.

LOANS_Details_Textual

LOANS (Details Textual) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Financing Receivable Period of Loans Past Due Transferred to Non Accrual Status	90 days
Loans and Leases Receivable Loan to Value Ratio Maximum	80.00%
Foreclosed Assets	$5	$1,438
Residential real estate [Member]
Number of foreclosed property	1
Foreclosed Assets	$5

ALLOWANCE_FOR_LOAN_AND_LEASE_L2

ALLOWANCE FOR LOAN AND LEASE LOSSES (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Activity in the ALLL
Balance at the beginning of the period	$8,595	$8,809	$9,200
Less: Charge-offs	791	298	1,885
Add: Recoveries	130	84	374
Add: Provisions			1,120
Balance at the end of the period	7,934	8,595	8,809
Amount of the ALLL allocated
Loans individually evaluated for impairment	52	471	303
Loans collectively evaluated for impairment	7,882	8,124	8,506
Total	7,934	8,595	8,809
Loans related to each balance in the ALLL by portfolio segment
Loans individually evaluated for impairment	9,403	9,225	8,642
Loans collectively evaluated for impairment	642,649	597,541	558,517
Total loans	652,052	606,766	567,159
Commercial [Member]
Activity in the ALLL
Balance at the beginning of the period	7,359	7,528	6,895
Less: Charge-offs	739	222	1,690
Add: Recoveries	99	53	364
Add: Provisions			1,959
Balance at the end of the period	6,719	7,359	7,528
Amount of the ALLL allocated
Loans individually evaluated for impairment	42	342	221
Loans collectively evaluated for impairment	6,677	7,017	7,307
Total	6,719	7,359	7,528
Loans related to each balance in the ALLL by portfolio segment
Loans individually evaluated for impairment	8,014	8,227	7,627
Loans collectively evaluated for impairment	374,781	346,148	328,298
Total loans	382,795	354,375	335,925
Residential real estate [Member]
Activity in the ALLL
Balance at the beginning of the period	1,084	1,109	2,113
Less: Charge-offs	41	27	176
Add: Recoveries	10	2	2
Add: Provisions			-830
Balance at the end of the period	1,053	1,084	1,109
Amount of the ALLL allocated
Loans individually evaluated for impairment	10	118	82
Loans collectively evaluated for impairment	1,043	966	1,027
Total	1,053	1,084	1,109
Loans related to each balance in the ALLL by portfolio segment
Loans individually evaluated for impairment	978	987	1,015
Loans collectively evaluated for impairment	228,170	212,776	195,334
Total loans	229,148	213,763	196,349
Consumer and other retail [Member]
Activity in the ALLL
Balance at the beginning of the period	152	172	192
Less: Charge-offs	11	49	19
Add: Recoveries	21	29	8
Add: Provisions			-9
Balance at the end of the period	162	152	172
Amount of the ALLL allocated
Loans individually evaluated for impairment		11
Loans collectively evaluated for impairment	162	141	172
Total	162	152	172
Loans related to each balance in the ALLL by portfolio segment
Loans individually evaluated for impairment	411	11
Loans collectively evaluated for impairment	39,698	38,617	34,885
Total loans	$40,109	$38,628	$34,885

PREMISES_AND_EQUIPMENT_Details

PREMISES AND EQUIPMENT (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$43,607	$41,450
Less allowance for depreciation and amortization	-17,834	-16,582
Bank premises and equipment, at cost less allowance for depreciation	25,773	24,868
Land [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	9,152	8,223
Premises [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	22,858	22,765
Furniture and Fixtures [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	9,738	9,367
Leasehold Improvements [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$1,859	$1,095

RELATED_PARTY_TRANSACTIONS_Det

RELATED PARTY TRANSACTIONS (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Loans and Leases Receivable, Related Parties Disclosure [Abstract]
Related party extensions of credit, beginning of period	$3,822	$3,831
New loans	2,081	1,116
Repayments	-1,129	-1,125
Related party extension of credit, end of period	$4,774	$3,822

RELATED_PARTY_TRANSACTIONS_Det1

RELATED PARTY TRANSACTIONS (Details Textual) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Related Party Transactions [Abstract]
Ownership Percentage Held By Parent	10% or more
Aggregate balances of related party repurchase agreements	$13,100	$9,079
Significant services provided by a director	170	152
Related Party Deposit Liabilities	$24,536	$15,724

LEASES_Details

LEASES (Details) (USD $)	Dec. 31, 2014
In Thousands, unless otherwise specified
Leases [Abstract]
2015	$350
2016	346
2017	310
2018	291
2019	295
Thereafter	3,482
Total	$5,074

LEASES_Details_Textual

LEASES (Details Textual) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Operating Leased Assets [Line Items]
Number of office locations	3
Description of operating leases	Real property for three of the Bank’s office locations and certain equipment are leased under noncancelable operating leases expiring at various times through 2028. In most cases, the leases provide for one or more renewal options of five to ten years under the same or similar terms.
Equipment [Member]
Operating Leased Assets [Line Items]
Total rental expense	$27	$18	$12
Building [Member]
Operating Leased Assets [Line Items]
Total rental expense	$304	$264	$283
Maximum [Member]
Operating Leased Assets [Line Items]
Renewal term of lease	10 years
Minimum [Member]
Operating Leased Assets [Line Items]
Renewal term of lease	5 years

FEDERAL_AND_STATE_INCOME_TAXES2

FEDERAL AND STATE INCOME TAXES (Details) (USD $)	3 Months Ended								12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Current Income Tax Expense (Benefit), Continuing Operations [Abstract]
Current									$3,011	$915	$2,256
Deferred									545	1,785	784
Total provision for income taxes	$871	$1,031	$941	$713	$522	$779	$842	$557	$3,556	$2,700	$3,040

FEDERAL_AND_STATE_INCOME_TAXES3

FEDERAL AND STATE INCOME TAXES (Details 1) (USD $)	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Deferred Tax Effects Of Principal Temporary Differences [Abstract]
Allowance for possible loan losses	$3,055	$3,309	$3,392
Deferred compensation	2,557	2,516	2,420
Write down of other real estate	9	314	1,152
Deferred gain on OREO sale		188	202
Amortization of core deposit intangible	-1,577	-272	423
Recognition of nonaccrual loan income	129	111	152
Unrealized gains (losses) on available-for-sale securities	2,124	6,613	-2,212
Post retirement benefit obligation	986	890	2,857
Accelerated depreciation	-973	-822	-630
Amortization of goodwill	-1,109	-2,591	-2,376
Alternative Minimum Tax			402
Dividend Income - F&M West		-372	-219
Prepaid Expenses	-135	-178	-185
Other	31	240	-370
Net deferred tax asset	$5,097	$9,946	$5,008

FEDERAL_AND_STATE_INCOME_TAXES4

FEDERAL AND STATE INCOME TAXES (Details 2) (USD $)	3 Months Ended								12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Income Tax Disclosure [Abstract]
Tax expense at statutory rate									$4,692	$4,191	$4,236
Increase (decrease) in taxes resulting from:
Tax exempt interest									-1,060	-1,144	-1,275
Nondeductible interest expense									14	18	29
Employee benefits									-128	-196	-240
Other nondeductible expenses									38	11	32
State income taxes net of federal tax benefit											41
Dividend income exclusion											-1
Other										-180	218
Total provision for income taxes	$871	$1,031	$941	$713	$522	$779	$842	$557	$3,556	$2,700	$3,040
Effective tax rate									25.80%	21.90%	24.40%

BORROWED_FUNDS_Details

BORROWED FUNDS (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Debt Disclosure [Abstract]
Securities Sold under Agreements to Repurchase	$22,834	$18,095

BORROWED_FUNDS_Details_Textual

BORROWED FUNDS (Details Textual) (Federal Home Loan Bank of Cincinnati [Member], USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Jun. 21, 2010	Jun. 20, 2006
Line of Credit [Member]
Line of Credit Facility [Line Items]
Maximum borrowing capacity			$40,000
Maximum amount of outstanding agreements at any month end	24,381	22,359
Monthly average of agreements	21,408	19,052
Blanket Agreement [Member]
Line of Credit Facility [Line Items]
Percentage of qualifying residential mortgage loans				150.00%
Outstanding Advances	0	0
Stock held in the FHLB	$3,009

SIGNIFICANT_ESTIMATES_COMMITME1

SIGNIFICANT ESTIMATES, COMMITMENTS AND CONTINGENCIES (Details Textual) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Gain Contingencies [Line Items]
Specified period for funding	30 to 90 days
Origination of mortgage loans Held-for-sale	$3,271	$407
Mortgage loans held-for-sale	354	327
Total outstanding standby letters of credit	13,522	11,384
Open-end consumer lines [Member]
Gain Contingencies [Line Items]
Line of credit facility, amount granted	104,428	44,318
Property and Casualty, Commercial Insurance Product Line [Member]
Gain Contingencies [Line Items]
Line of credit facility, amount granted	$41,018	$79,150
Maximum [Member]
Gain Contingencies [Line Items]
Letters of credit outstanding, term	24 months
Minimum [Member]
Gain Contingencies [Line Items]
Letters of credit outstanding, term	7 days

REGULATORY_MATTERS_Details

REGULATORY MATTERS (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total Capital, Actual	$112,554	$108,923
Total Capital to Risk-Weighted Assets, Actual	14.40%	15.10%
Tier I Capital, Actual	104,620	100,328
Tier I Capital to Risk-Weighted Assets, Actual	13.40%	13.90%
Tier I Capital, Actual	104,620	100,328
Tier I Capital to Average Assets, Actual	9.20%	9.30%
Total Capital, For Minimum Capital Adequacy Purposes	62,628	57,642
Total Capital to Risk-Weighted Assets, For Minimum Capital Adequacy Purposes	8.00%	8.00%
Tier I Capital, For Minimum Capital Adequacy Purposes	31,314	28,821
Tier I Capital to Risk-Weighted Assets, For Minimum Capital Adequacy Purposes	4.00%	4.00%
Tier I Capital, For Minimum Capital Adequacy Purposes	45,707	43,320
Tier I Capital to Average Assets, For Minimum Capital Adequacy Purposes	4.00%	4.00%
Total Capital, For Minimum Regulatory Compliance Purposes	78,285	72,052
Total Capital to Risk Weighted Assets, For Minimum Regulatory Compliance Purposes	10.00%	10.00%
Tier I Capital, For Minimum Regulatory Compliance Purposes	46,971	43,231
Tier I Capital to Risk-Weighted Assets, For Minimum Regulatory Compliance Purposes	6.00%	6.00%
Tier I Capital, For Minimum Regulatory Compliance Purposes	57,133	54,150
Tier I Capital to Average Assets, For Minimum Regulatory Compliance Purposes	5.00%	5.00%
First Farmers Merchant Bank [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total Capital, Actual	115,532	111,807
Total Capital to Risk-Weighted Assets, Actual	14.80%	15.50%
Tier I Capital, Actual	107,598	103,212
Tier I Capital to Risk-Weighted Assets, Actual	13.70%	14.40%
Tier I Capital, Actual	107,598	103,212
Tier I Capital to Average Assets, Actual	9.70%	9.50%
Total Capital, For Minimum Capital Adequacy Purposes	62,628	57,525
Total Capital to Risk-Weighted Assets, For Minimum Capital Adequacy Purposes	8.00%	8.00%
Tier I Capital, For Minimum Capital Adequacy Purposes	31,314	28,763
Tier I Capital to Risk-Weighted Assets, For Minimum Capital Adequacy Purposes	4.00%	4.00%
Tier I Capital, For Minimum Capital Adequacy Purposes	44,513	43,320
Tier I Capital to Average Assets, For Minimum Capital Adequacy Purposes	4.00%	4.00%
Total Capital, For Minimum Regulatory Compliance Purposes
Total Capital to Risk Weighted Assets, For Minimum Regulatory Compliance Purposes
Tier I Capital, For Minimum Regulatory Compliance Purposes
Tier I Capital to Risk-Weighted Assets, For Minimum Regulatory Compliance Purposes
Tier I Capital, For Minimum Regulatory Compliance Purposes
Tier I Capital to Average Assets, For Minimum Regulatory Compliance Purposes

REGULATORY_MATTERS_Details_Tex

REGULATORY MATTERS (Details Textual) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Banking and Thrift [Abstract]
Retained earnings unappropriated	$67,609	$62,900

FAIR_VALUE_MEASUREMENTS_Detail

FAIR VALUE MEASUREMENTS (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	$397,886	$329,714
US Government Agencies Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	159,254	105,072
US States and Political Subdivisions Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	52,882	46,337
Corporate Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	17,780	20,882
Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale
Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	397,886	329,714
Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale
Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	397,886	329,714
Fair Value, Measurements, Recurring [Member] | US Government Agencies Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	159,254	105,072
Fair Value, Measurements, Recurring [Member] | US Government-sponsored Enterprises Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	167,970	157,423
Fair Value, Measurements, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	52,882	46,337
Fair Value, Measurements, Recurring [Member] | Corporate Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	17,780	20,882
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | US Government Agencies Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | US Government-sponsored Enterprises Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | US States and Political Subdivisions Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Corporate Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	397,886	329,714
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | US Government Agencies Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	159,254	105,072
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | US Government-sponsored Enterprises Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	167,970	157,423
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | US States and Political Subdivisions Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	52,882	46,337
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Corporate Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	17,780	20,882
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | US Government Agencies Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | US Government-sponsored Enterprises Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | US States and Political Subdivisions Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale
Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Corporate Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale

FAIR_VALUE_MEASUREMENTS_Detail1

FAIR VALUE MEASUREMENTS (Details 1) (Fair Value, Measurements, Nonrecurring [Member], Fair Value, Inputs, Level 3 [Member], USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Impaired Loans Collateral Dependent [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value at the end of the period	$1,184	$2,214
Fair Value Measurements, Valuation Techniques	Market comparable properties	Market comparable properties
Fair Value Measurements Unobservable Input	Marketability discount	Marketability discount
Impaired Loans Collateral Dependent [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Marketability discount (as a percent)	5.00%	5.00%
Impaired Loans Collateral Dependent [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Marketability discount (as a percent)	10.00%	10.00%
Impaired Loans Collateral Dependent [Member] | Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Marketability discount (as a percent)	7.00%	7.00%
Other Real Estate Owned [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value at the end of the period		$208
Fair Value Measurements, Valuation Techniques		Market comparable properties
Fair Value Measurements Unobservable Input		Marketability discount
Other Real Estate Owned [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Marketability discount (as a percent)		5.00%
Other Real Estate Owned [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Marketability discount (as a percent)		10.00%
Other Real Estate Owned [Member] | Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Marketability discount (as a percent)		7.00%

FAIR_VALUE_MEASUREMENTS_Detail2

FAIR VALUE MEASUREMENTS (Details 2) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Financial assets
Cash and due from banks	$18,511	$20,391
Interest-bearing deposits in other banks	10,086	25,167
Federal Home Loan Bank and Federal Reserve Bank stock	3,879	3,879
Securities available-for-sale	397,886	329,714
Securities held-to-maturity	22,263	28,595
Carrying Value Measurement [Member]
Financial assets
Cash and due from banks	18,511	20,391
Interest-bearing deposits in other banks	10,086	25,167
Federal funds sold	1,700	9,850
Federal Home Loan Bank and Federal Reserve Bank stock	3,879	3,879
Securities available-for-sale	397,886	329,714
Securities held-to-maturity	21,985	27,839
Loans held for sale	354	327
Loans, net	644,118	598,171
Accrued interest receivable	4,337	4,183
Financial liabilities
Non-interest bearing deposits	204,358	179,823
Interest bearing deposits	815,597	777,514
Repurchase agreements	22,834	18,095
Accrued interest payable	613	663
Off-balance sheet credit related instruments:
Commitments to extend credit and letters of credit
Fair Value, Inputs, Level 1 [Member]
Financial assets
Cash and due from banks	18,511	20,391
Interest-bearing deposits in other banks	10,086	25,167
Federal funds sold	1,700	9,850
Federal Home Loan Bank and Federal Reserve Bank stock
Securities available-for-sale
Securities held-to-maturity
Loans held for sale	354	327
Loans, net
Accrued interest receivable
Financial liabilities
Non-interest bearing deposits	204,358	179,823
Interest bearing deposits
Repurchase agreements
Accrued interest payable
Off-balance sheet credit related instruments:
Commitments to extend credit and letters of credit
Fair Value, Inputs, Level 2 [Member]
Financial assets
Cash and due from banks
Interest-bearing deposits in other banks
Federal funds sold
Federal Home Loan Bank and Federal Reserve Bank stock	3,879	3,879
Securities available-for-sale	397,886	329,714
Securities held-to-maturity	22,263	28,595
Loans held for sale
Loans, net
Accrued interest receivable	4,337	4,183
Financial liabilities
Non-interest bearing deposits
Interest bearing deposits	816,022	778,682
Repurchase agreements	22,834	18,095
Accrued interest payable	613	663
Off-balance sheet credit related instruments:
Commitments to extend credit and letters of credit
Fair Value, Inputs, Level 3 [Member]
Financial assets
Cash and due from banks
Interest-bearing deposits in other banks
Federal funds sold
Federal Home Loan Bank and Federal Reserve Bank stock
Securities available-for-sale
Securities held-to-maturity
Loans held for sale
Loans, net	650,770	607,113
Accrued interest receivable
Financial liabilities
Non-interest bearing deposits
Interest bearing deposits
Repurchase agreements
Accrued interest payable
Off-balance sheet credit related instruments:
Commitments to extend credit and letters of credit

FAIR_VALUE_MEASUREMENT_Details

FAIR VALUE MEASUREMENT (Details Textual) (Impaired Loans Collateral Dependent [Member], USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Impaired Loans Collateral Dependent [Member]
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Assets, Fair Value Adjustment	$287	$79

QUARTERLY_RESULTS_OF_OPERATION2

QUARTERLY RESULTS OF OPERATIONS (Details) (USD $)	3 Months Ended								12 Months Ended
In Thousands, except Share data, unless otherwise specified	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Quarterly Financial Information Disclosure [Abstract]
Interest income	$9,284	$9,351	$9,103	$9,042	$9,287	$9,328	$9,523	$9,223	$36,780	$37,361	$36,384
Interest expense	580	605	623	620	643	679	751	834	2,428	2,907	3,841
Net interest income	8,704	8,746	8,480	8,422	8,644	8,649	8,772	8,389	34,352	34,454	32,543
Provision for possible loan losses, net											1,120
Noninterest income	2,808	3,177	3,091	2,651	2,658	2,509	2,620	3,329	11,727	11,116
Noninterest expenses	7,984	8,166	8,033	8,098	8,667	8,322	8,165	8,105	32,265	33,243	30,594
Income before income taxes	3,528	3,757	3,538	2,975	2,635	2,836	3,227	3,613	13,798	12,311
Income taxes	871	1,031	941	713	522	779	842	557	3,556	2,700	3,040
Net income for common shareholders	$2,657	$2,726	$2,597	$2,262	$2,113	$2,057	$2,385	$3,056	$10,242	$9,611	$9,404
Basic earnings per share	$0.54	$0.55	$0.52	$0.45	$0.42	$0.40	$0.46	$0.59	$2.06	$1.88	$1.77
Weighted average shares outstanding per quarter	4,909,910	4,934,815	4,977,506	5,017,789	5,046,833	5,086,469	5,133,051	5,178,759	4,963,826	5,110,849	5,315,634

DEPOSITS_Details

DEPOSITS (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Banking and Thrift [Abstract]
Under 3 months	$29,629	$31,514
3 to 12 months	71,489	63,429
Over 12 months	18,399	27,834
Total	$119,517	$122,777

DEPOSITS_Details_1

DEPOSITS (Details 1) (USD $)	Dec. 31, 2014
In Thousands, unless otherwise specified
Banking and Thrift [Abstract]
2015	$185,714
2016	20,460
2017	8,160
2018	5,164
2019	7,091
Thereafter
Total	$226,589

DEPOSITS_Details_Textual

DEPOSITS (Details Textual) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	office
Banking and Thrift [Abstract]
Number of domestic offices	18
Deposit accounts overdraft	$152	$369

CONDENSED_FINANCIAL_INFORMATIO2

CONDENSED FINANCIAL INFORMATION OF THE CORPORATION (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
In Thousands, unless otherwise specified
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total assets	$1,170,995	$1,092,874
Liabilities
Total liabilities	1,056,411	988,670
Shareholders' equity
Retained earnings	67,609	62,900
Accumulated other comprehensive income (loss)	-2,126	-9,001
Total shareholders' equity	114,584	104,204	112,795	112,149
Total liabilities and shareholders' equity	1,170,995	1,092,874
Parent Company [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Cash	271	23
Investment in bank subsidiary	111,512	101,226
Investment in credit life insurance company	54	54
Investment in other securities	17	17
Dividends receivable from bank subsidiary	1,813	2,058
Cash surrender value - life insurance	4,474	4,409
Total assets	118,141	107,787
Liabilities
Accrued liabilities	1,839	1,820
Dividends payable	1,813	1,858
Total liabilities	3,652	3,678
Shareholders' equity
Common stock - $10 par value, 8,000,000 shares authorized; 4,900,576 and 5,021,012 shares issued and outstanding, as of December 31, 2014 and December 31, 2013, respectively	49,006	50,210
Retained earnings	67,609	62,900
Accumulated other comprehensive income (loss)	-2,126	-9,001
Total shareholders' equity	114,489	104,109
Total liabilities and shareholders' equity	$118,141	$107,787

CONDENSED_FINANCIAL_INFORMATIO3

CONDENSED FINANCIAL INFORMATION OF THE CORPORATION (Details) (Parenthetical) (USD $)	Dec. 31, 2014	Dec. 31, 2013
Common Stock, par or stated value (in dollars per share)	$10	$10
Common Stock, shares authorized	8,000,000	8,000,000
Common Stock, shares issued	4,900,576	5,021,012
Common Stock, shares outstanding	4,900,576	5,021,012
Parent Company [Member]
Common Stock, par or stated value (in dollars per share)	$10	$10
Common Stock, shares authorized	8,000,000	8,000,000
Common Stock, shares issued	4,900,576	5,021,012
Common Stock, shares outstanding	4,900,576	5,021,012

CONDENSED_FINANCIAL_INFORMATIO4

CONDENSED FINANCIAL INFORMATION OF THE CORPORATION (Details 1) (USD $)	3 Months Ended								12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Operating income
Dividends from bank subsidiary									$269	$294	$360
Income before equity in undistributed net income of bank subsidiary									13,814	12,327	12,460
Net income for common shareholders	2,657	2,726	2,597	2,262	2,113	2,057	2,385	3,056	10,242	9,611	9,404
Parent Company [Member]
Operating income
Dividends from bank subsidiary									7,038	7,663	7,289
Other dividend income									8	15	18
Other									65	65	135
Operating expenses									-279	-238	-218
Income before equity in undistributed net income of bank subsidiary									6,832	7,505	7,224
Equity in undistributed net income of bank subsidiary									3,410	2,106	2,180
Net income for common shareholders									$10,242	$9,611	$9,404

CONDENSED_FINANCIAL_INFORMATIO5

CONDENSED FINANCIAL INFORMATION OF THE CORPORATION (Details 2) (USD $)	3 Months Ended								12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Net income for common shareholders	$2,657	$2,726	$2,597	$2,262	$2,113	$2,057	$2,385	$3,056	$10,242	$9,611	$9,404
Other Comprehensive Income (Loss)
Unrealized appreciation (depreciation) on available-for-sale securities, net of taxes of $4,742, ($8,507) and $1,204, respectively									7,571	-13,589	1,923
Reclassification adjustment for realized gains included in net income, net of taxes of ($319), ($883), and ($561), respectively									401	510	1,411
Change in unfunded portion of postretirement benefit obligations, net of taxes of ($185), $2,102, and ($1,243), respectively									-295	3,360	-1,982
Other Comprehensive Income (Loss)									17,117	-1,128	7,934
Parent Company [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Net income for common shareholders									10,242	9,611	9,404
Other Comprehensive Income (Loss)
Unrealized appreciation (depreciation) on available-for-sale securities, net of taxes of $4,742, ($8,507) and $1,204, respectively									7,571	-13,589	1,923
Reclassification adjustment for realized gains included in net income, net of taxes of ($319), ($883), and ($561), respectively									-401	-510	-1,411
Change in unfunded portion of postretirement benefit obligations, net of taxes of ($185), $2,102, and ($1,243), respectively									-295	3,360	-1,982
Other Comprehensive Income (Loss)									6,875	-10,739	-1,470
Total Comprehensive Income (Loss)									$17,117	($1,128)	$7,934

CONDENSED_FINANCIAL_INFORMATIO6

CONDENSED FINANCIAL INFORMATION OF THE CORPORATION (Details 2) (Parenthetical) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Other Comprehensive Income (Loss), Unrealized Holding Gain (Loss) on Securities Arising During Period, Tax	($4,742)	$8,507	($1,204)
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Tax	-251	-319	-883
Other Comprehensive (Income) Loss, Pension and Other Postretirement Benefit Plans, Tax	-185	2,102	-1,243
Parent Company [Member]
Other Comprehensive Income (Loss), Unrealized Holding Gain (Loss) on Securities Arising During Period, Tax	4,742	-8,507	1,204
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Tax	-251	-319	-883
Other Comprehensive (Income) Loss, Pension and Other Postretirement Benefit Plans, Tax	($185)	$2,102	($1,243)

CONDENSED_FINANCIAL_INFORMATIO7

CONDENSED FINANCIAL INFORMATION OF THE CORPORATION (Details 3) (USD $)	3 Months Ended								12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Operating activities
Net income for common shareholders	$2,657	$2,726	$2,597	$2,262	$2,113	$2,057	$2,385	$3,056	$10,242	$9,611	$9,404
Adjustments to reconcile net income to net cash provided by operating activities
(Increase) decrease in other assets									8	-1,243	-741
Net cash provided by operating activities									12,162	16,786	15,071
Investing activities
Purchase of single premium life insurance policy									-175	-258	-2,282
Net cash used by investing activities									-97,848	-39,667	-80,492
Financing activities
Payment to repurchase common stock									-3,097	-3,722	-3,400
Cash dividends paid									-3,685	-3,800	-3,944
Net cash used by financing activities									60,575	7,893	62,796
Decrease in cash									-25,111	-14,988	-2,625
Cash and cash equivalents at beginning of period				55,408				70,396	55,408	70,396	73,021
Cash and cash equivalents at end of period	30,297				55,408				30,297	55,408	70,396
Parent Company [Member]
Operating activities
Net income for common shareholders									10,242	9,611	9,404
Adjustments to reconcile net income to net cash provided by operating activities
Equity in undistributed net income of bank subsidiary									-3,410	-2,106	-2,180
Increase in cash surrender value of life insurance contracts									-65	-65	-135
(Increase) decrease in other assets									245	-90	56
Decrease in payables									18	134	127
Total adjustments									-3,212	-2,127	-2,132
Net cash provided by operating activities									7,030	7,484	7,272
Investing activities
Purchase of single premium life insurance policy											-310
Net cash used by investing activities											-310
Financing activities
Payment to repurchase common stock									-3,097	-3,722	-3,400
Cash dividends paid									-3,685	-3,800	-3,944
Net cash used by financing activities									-6,782	-7,522	-7,344
Decrease in cash									248	-38	-382
Cash and cash equivalents at beginning of period				23				61	23	61	443
Cash and cash equivalents at end of period	$271				$23				$271	$23	$61

EMPLOYEE_BENEFIT_PLANS_Details

EMPLOYEE BENEFIT PLANS (Details Textual) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Deferred Compensation Plan [Member] | Director [Member]
Defined Benefit Plan Disclosure [Line Items]
Deferred Compensation Arrangement with Individual, Recorded Liability	$6,586	$6,487
Deferred Compensation Arrangement with Individual, Compensation Expense	715	722	853
Deferred Compensation Arrangement With Individual Description Of Variable Rate Basis	Wall street journal prime rate plus three percent
Deferred Profit Sharing [Member] | Employee [Member]
Defined Benefit Plan Disclosure [Line Items]
Deferred Compensation Arrangement with Individual, Employer Contribution	1,023	1,596	1,019
Non Qualified Salary Continuations Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Deferred Compensation Arrangement with Individual, Recorded Liability	56	49
Non Qualified Salary Continuations Plan [Member] | Officer [Member]
Defined Benefit Plan Disclosure [Line Items]
Premium Amount Of Life Insurance Policy	$986	$975

POST_RETIREMENT_BENEFIT_PLAN_D

POST RETIREMENT BENEFIT PLAN (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Change in benefit obligation
Benefit obligation at beginning of year	$2,313	$7,421
Service cost	34	138	91
Interest cost	111	292	351
Plan participants' contributions
Expected benefits paid	-183	-266
Negative plan amendment		-2,662
Actuarial (gain) loss	286	-2,558
Amendments and other changes		-52
Benefit obligation at end of year	2,560	2,313
Change in fair value of assets
Fair value of plans assets at beginning of year
Employer contribution	183	266
Benefits paid	-183	-266
Fair value of plan assets at end of year
Reconciliation of funded status
Projected benefit obligation, end of year	-2,560	-2,313
Fair value of assets, end of year
Funded status, end of year	($2,560)	($2,313)

POST_RETIREMENT_BENEFIT_PLAN_D1

POST RETIREMENT BENEFIT PLAN (Details 1) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Amounts Not Recognized As Components Of Net Periodic Benefit Cost [Abstract]
Unrecognized net actuarial (gain)/loss	($2,016)	($2,490)
Unrecognized prior service cost	-46	-52
Total Before Tax Effects	($2,062)	($2,542)

POST_RETIREMENT_BENEFIT_PLAN_D2

POST RETIREMENT BENEFIT PLAN (Details 2) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Defined Benefit Pension Plans and Defined Benefit Postretirement Plans
Current Liability		$183
Noncurrent liability	2,560	2,130
Total	$2,560	$2,313

POST_RETIREMENT_BENEFIT_PLAN_D3

POST RETIREMENT BENEFIT PLAN (Details 3) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Reconciliation Of Other Comprehensive Income Abstract [Abstract]
Accumulated other comprehensive income beginning of year	($2,542)	$2,920	($305)
Amortization of net actuarial gain (loss)	188	-190
Negative plan amendment gain		-2,662
Loss/(gain) incurred in current year	287	-2,558	3,225
Prior service cost established in current year	5	-52
Other comprehensive (income) loss	480	-5,462	3,225
Ending balance (before tax effects)	($2,062)	($2,542)	$2,920

POST_RETIREMENT_BENEFIT_PLAN_D4

POST RETIREMENT BENEFIT PLAN (Details 4) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Defined Benefit Plan, Net Periodic Benefit Cost [Abstract]
Service cost	$34	$138	$91
Interest cost	111	292	351
Amortization of prior service cost	-5
Recognized net actuarial (gain) loss	-188	190
Net periodic benefit cost (income)	($48)	$620	$442

POST_RETIREMENT_BENEFIT_PLAN_D5

POST RETIREMENT BENEFIT PLAN (Details 5)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Weighted-average assumption used to determine benefit obligation:
Discount rate	4.25%	5.00%
Weighted-average assumptions used to determine benefit costs:
Discount rate	5.00%	4.00%

POST_RETIREMENT_BENEFIT_PLAN_D6

POST RETIREMENT BENEFIT PLAN (Details 6)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Initial
Ultimate (pre and post-65)	5.00%	5.00%
Post-65 [Member]
Initial
Defined benefit plan initial health care trend rate	8.00%	7.50%
Years to ultimate
Defined benefit plan years to ultimate health care trend rate	6 years	5 years
Pre-65 [Member]
Initial
Defined benefit plan initial health care trend rate	9.00%	11.00%
Years to ultimate
Defined benefit plan years to ultimate health care trend rate	8 years	6 years

POST_RETIREMENT_BENEFIT_PLAN_D7

POST RETIREMENT BENEFIT PLAN (Details 7) (USD $)	Dec. 31, 2014
In Thousands, unless otherwise specified
Defined Benefit Pension Plans and Defined Benefit Postretirement Plans Disclosure [Abstract]
2015	$174
2016	168
2017	157
2018	190
2019	174
2020 - 2024	986
Expected future benefit payments, total	$1,849

POST_RETIREMENT_BENEFIT_PLAN_D8

POST RETIREMENT BENEFIT PLAN (Details 8) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014
Compensation and Retirement Disclosure [Abstract]
Effect on total of service and interest cost, 1-Percentage-Point Increase	$11
Effect on postretirement benefit obligation, 1-Percentage-Point Increase	283
Effect on total of service and interest cost, 1-Percentage-Point Decrease	-6
Effect on postretirement benefit obligation, 1-Percentage-Point Decrease	($133)

POST_RETIREMENT_BENEFIT_PLAN_D9

POST RETIREMENT BENEFIT PLAN (Details Textual) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Compensation and Retirement Disclosure [Abstract]
Defined Benefit Plan, Plan Amendments		($2,662)
Defined Benefit Plan, Actuarial Gain (Loss)	-286	2,558
Defined Benefit Plans, Estimated Future Employer Contributions in Next Fiscal Year	$174