AmeriServ Financial (ASRV) 10-K 8 Mar 16 2015 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2015	Jan. 29, 2016	Jun. 30, 2015
Document Information [Line Items]
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2015
Entity Filer Category	Smaller Reporting Company
Trading Symbol	ASRV
Entity Registrant Name	AMERISERV FINANCIAL INC /PA/
Entity Central Index Key	707,605
Current Fiscal Year End Date	--12-31
Document Fiscal Period Focus	FY
Document Fiscal Year Focus	2,015
Entity Common Stock, Shares Outstanding		18,870,811
Entity Public Float			$ 62,809,831
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands		Dec. 31, 2015	Dec. 31, 2014
ASSETS
Cash and due from depository institutions		$ 23,443	$ 23,780
Interest bearing deposits		6,960	2,952
Short-term investments in money market funds		18,107	6,140
Cash and cash equivalents		48,510	32,872
Investment securities:
Available for sale		119,467	127,110
Held to maturity (fair value $21,533 at December 31, 2015 and $20,213 at December 31, 2014)		21,419	19,840
Loans held for sale		3,003	5,051
Loans		881,541	827,634
Less: Unearned income		557	554
Allowance for loan losses		9,921	9,623
Net loans		871,063	817,457
Premises and equipment, net		12,108	13,012
Accrued interest income receivable		3,057	3,127
Goodwill		11,944	11,944
Bank owned life insurance		37,228	37,417
Net deferred tax asset		8,993	9,548
Federal Home Loan Bank stock		4,628	4,048
Federal Reserve Bank stock		2,125	2,125
Other assets		5,377	5,712
TOTAL ASSETS		1,148,922	1,089,263
LIABILITIES
Non-interest bearing deposits		188,947	167,551
Interest bearing deposits		714,347	702,330
Total deposits		903,294	869,881
Short-term borrowings		48,748	38,880
Advances from Federal Home Loan Bank		48,000	42,000
Guaranteed junior subordinated deferrable interest debentures		13,085	13,085
Subordinated debt		7,650	0
Total borrowed funds		117,483	93,965
Other liabilities		9,172	11,010
TOTAL LIABILITIES		1,029,949	974,856
STOCKHOLDERS' EQUITY
Preferred stock, no par value; $1,000 per share liquidation preference; 2,000,000 shares authorized; there were 21,000 shares issued and outstanding on December 31, 2015 and 2014		21,000	21,000
Common stock, par value $0.01 per share; 30,000,000 shares authorized: 26,488,630 shares issued and 18,870,811 shares outstanding on December 31, 2015; 26,412,707 shares issued and 18,794,888 shares outstanding on December 31, 2014		265	264
Treasury stock at cost, 7,617,819 shares on December 31, 2015 and 2014		(74,829)	(74,829)
Capital surplus		145,441	145,256
Retained earnings		34,651	29,618
Accumulated other comprehensive loss, net	[1]	(7,555)	(6,902)
TOTAL STOCKHOLDERS' EQUITY		118,973	114,407
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY		$ 1,148,922	$ 1,089,263
[1]	Amounts in parentheses indicate debits on the Consolidated Balance Sheets.

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Held to maturity securities, fair value	$ 21,533	$ 20,213
Preferred stock, par value	$ 0	$ 0
Preferred stock, liquidation preference per share	$ 1,000	$ 1,000
Preferred stock, shares authorized	2,000,000	2,000,000
Preferred stock, shares issued	21,000	21,000
Preferred stock, shares outstanding	21,000	21,000
Common stock, par value	$ 0.01	$ 0.01
Common stock, shares authorized	30,000,000	30,000,000
Common stock, shares issued	26,488,630	26,412,707
Common stock, shares outstanding	18,870,811	18,794,888
Treasury stock, shares	7,617,819	7,617,819

CONSOLIDATED STATEMENTS OF OPER

CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Interest and fees on loans:
Taxable	$ 37,923	$ 36,285	$ 35,063
Tax exempt	72	57	57
Interest bearing deposits	8	5	6
Short-term investments in money market funds	14	7	8
Investment securities:
Available for sale	3,250	3,528	3,701
Held to maturity	614	559	508
Total Interest Income	41,881	40,441	39,343
INTEREST EXPENSE
Deposits	4,752	4,889	5,164
Short-term borrowings	86	55	46
Advances from Federal Home Loan Bank	558	333	152
Guaranteed junior subordinated deferrable interest debentures	1,120	1,120	1,120
Subordinated debt	4	0	0
Total Interest Expense	6,520	6,397	6,482
Net Interest Income	35,361	34,044	32,861
Provision (credit) for loan losses	1,250	375	(1,100)
Net Interest Income after Provision (credit) for Loan Losses	34,111	33,669	33,961
NON-INTEREST INCOME
Trust and investment advisory fees	8,344	7,765	7,812
Service charges on deposit accounts	1,750	1,957	2,173
Net gains on loans held for sale	767	748	1,089
Mortgage related fees	391	590	773
Net realized gains on investment securities	71	177	204
Bank owned life insurance	1,617	748	998
Other income	2,327	2,338	2,695
Total Non-Interest Income	15,267	14,323	15,744
NON-INTEREST EXPENSE
Salaries and employee benefits	24,042	24,960	25,115
Net occupancy expense	2,941	2,964	2,937
Equipment expense	1,773	1,892	1,851
Professional fees	5,003	5,409	4,327
Supplies, postage, and freight	726	761	810
Miscellaneous taxes and insurance	1,157	1,174	1,467
Federal deposit insurance expense	669	636	611
Goodwill impairment charge	0	669	0
Other expense	4,727	4,906	5,105
Total Non-Interest Expense	41,038	43,371	42,223
PRETAX INCOME	8,340	4,621	7,482
Provision for income taxes	2,343	1,598	2,289
NET INCOME	5,997	3,023	5,193
Preferred stock dividends	210	210	209
NET INCOME AVAILABLE TO COMMON SHAREHOLDERS	$ 5,787	$ 2,813	$ 4,984
Basic:
Net income	$ 0.31	$ 0.15	$ 0.26
Average number of shares outstanding	18,863	18,793	18,942
Diluted:
Net income	$ 0.31	$ 0.15	$ 0.26
Average number of shares outstanding	18,933	18,908	19,034
Cash dividends declared	$ 0.04	$ 0.04	$ 0.03

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015		Dec. 31, 2014		Dec. 31, 2013
COMPREHENSIVE INCOME
Net income	$ 5,997		$ 3,023		$ 5,193
Other comprehensive loss, before tax:
Pension obligation change for defined benefit plan	579		(2,769)		3,942
Income tax effect	(197)		942		(1,340)
Unrealized holding gains (losses) on available for sale securities arising during period	(1,498)		1,391		(4,489)
Income tax effect	509		(474)		1,526
Reclassification adjustment for net realized gains on available for sale securities included in net income	(71)		(177)		(204)
Income tax effect	25	[1]	60	[1]	69
Other comprehensive loss	(653)	[2]	(1,027)	[2]	(496)
Comprehensive income	$ 5,344		$ 1,996		$ 4,697
[1]	Amounts in parentheses indicate credits.
[2]	Amounts in parentheses indicate debits on the Consolidated Balance Sheets.

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Total		Preferred Stock [Member]	Common Stock [Member]	Treasury Stock [Member]	Capital Surplus [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Loss, Net [Member]
Balance at Dec. 31, 2012			$ 21,000	$ 264	$ (73,658)	$ 145,102	$ 23,139	$ (5,379)
New common shares issued				0		6
Treasury stock, purchased at cost					(1,171)
Stock option expense						82
Net income	$ 5,193						5,193
Cash dividend declared on common stock							(566)
Cash dividend declared on preferred stock							(209)
Other comprehensive loss	(496)							(496)
Balance at Dec. 31, 2013	113,307		21,000	264	(74,829)	145,190	27,557	(5,875)
New common shares issued				0		24
Treasury stock, purchased at cost					0
Stock option expense						42
Net income	3,023						3,023
Cash dividend declared on common stock							(752)
Cash dividend declared on preferred stock							(210)
Other comprehensive loss	(1,027)	[1]						(1,027)
Balance at Dec. 31, 2014	114,407		21,000	264	(74,829)	145,256	29,618	(6,902)
New common shares issued				1		156
Treasury stock, purchased at cost					0
Stock option expense						29
Net income	5,997						5,997
Cash dividend declared on common stock							(754)
Cash dividend declared on preferred stock							(210)
Other comprehensive loss	(653)	[1]						(653)
Balance at Dec. 31, 2015	$ 118,973		$ 21,000	$ 265	$ (74,829)	$ 145,441	$ 34,651	$ (7,555)
[1]	Amounts in parentheses indicate debits on the Consolidated Balance Sheets.

CONSOLIDATED STATEMENTS OF CHA7

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parenthetical)	12 Months Ended
	Dec. 31, 2013shares
Treasury stock, purchased at cost, shares	384,000

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015		Dec. 31, 2014		Dec. 31, 2013
OPERATING ACTIVITIES
Net income	$ 5,997		$ 3,023		$ 5,193
Adjustments to reconcile net income to net cash provided by operating activities:
Provision (credit) for loan losses	1,250		375		(1,100)
Depreciation and amortization expense	1,790		1,836		1,683
Net amortization of investment securities	342		385		755
Net realized gains on investment securities - available for sale	(71)	[1]	(177)	[1]	(204)
Net gains on loans held for sale	(767)		(748)		(1,089)
Amortization of deferred loan fees	(249)		(262)		(304)
Origination of mortgage loans held for sale	(51,759)		(51,481)		(60,826)
Sales of mortgage loans held for sale	54,574		50,580		69,089
Decrease (increase) in accrued interest receivable	70		(219)		52
Decrease in accrued interest payable	(55)		(78)		(299)
Earnings on bank-owned life insurance	(690)		(748)		(811)
Deferred income taxes	888		562		2,150
Stock compensation expense	186		66		88
Goodwill impairment charge	0		669		0
Decrease in prepaid Federal Deposit Insurance	0		0		1,444
Other, net	(1,674)		1,179		(967)
Net cash provided by operating activities	9,832		4,962		14,854
INVESTING ACTIVITIES
Purchase of investment securities - available for sale	(22,241)		(12,218)		(50,125)
Purchase of investment securities - held to maturity	(6,237)		(3,093)		(8,942)
Proceeds from maturities of investment securities - available for sale	24,532		22,900		43,307
Proceeds from maturities of investment securities - held to maturity	4,601		1,390		4,425
Proceeds from sales of investment securities - available for sale	3,570		5,242		11,185
Purchase of regulatory stock	(19,320)		(9,817)		(5,865)
Proceeds from redemption of regulatory stock	18,740		10,446		5,367
Long-term loans originated	(246,304)		(177,351)		(205,549)
Principal collected on long-term loans	183,380		130,476		146,720
Participations purchased	(15,019)		(5,347)		(12,990)
Participations sold	23,774		10,810		8,500
Net increase in other short-term loans	(627)		(3,558)		(679)
Purchases of premises and equipment	(881)		(1,720)		(3,004)
Proceeds from sale of other real estate owned	579		946		993
Proceeds from life insurance policies	1,598		0		356
Net cash used in investing activities	(49,855)		(30,894)		(66,301)
FINANCING ACTIVITIES
Net increase in deposit balances	33,339		15,375		18,744
Net increase (decrease) in other short-term borrowings	9,868		(2,675)		25,895
Principal borrowings on advances from Federal Home Loan Bank	10,000		17,000		18,000
Principal repayments on advances from Federal Home Loan Bank	(4,000)		0		(6,000)
Subordinated debt issuance, net	7,418		0		0
Preferred stock dividend paid	(210)		(210)		(209)
Common stock dividend paid	(754)		(752)		(566)
Purchase of treasury stock	0		0		(1,171)
Net cash provided by financing activities	55,661		28,738		54,693
NET INCREASE IN CASH AND CASH EQUIVALENTS	15,638		2,806		3,246
CASH AND CASH EQUIVALENTS AT JANUARY 1	32,872		30,066		26,820
CASH AND CASH EQUIVALENTS AT DECEMBER 31	$ 48,510		$ 32,872		$ 30,066
[1]	Amounts in parentheses indicate credits.

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 2015
Accounting Policies [Abstract]
Significant Accounting Policies [Text Block]	1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES AmeriServ Financial, Inc. (the Company) is a bank holding company, headquartered in Johnstown, Pennsylvania. Through its banking subsidiary the Company operates 17 banking locations in five southwestern Pennsylvania counties. These branches provide a full range of consumer, mortgage, and commercial financial products. The AmeriServ Trust and Financial Services Company (Trust Company) offers a complete range of trust and financial services and administers assets valued at approximately $2.0 billion that are not recognized on the Company’s Consolidated Balance Sheet at December 31, 2015. The consolidated financial statements include the accounts of AmeriServ Financial, Inc. and its wholly-owned subsidiaries, AmeriServ Financial Bank (the Bank), Trust Company, and AmeriServ Life Insurance Company (AmeriServ Life). The Bank is a state-chartered full service bank with 17 locations in Pennsylvania. AmeriServ Life is a captive insurance company that engages in underwriting as a reinsurer of credit life and disability insurance. Intercompany accounts and transactions have been eliminated in preparing the Consolidated Financial Statements. The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America (generally accepted accounting principles, or GAAP) requires management to make estimates and assumptions that affect the amounts reported in the Consolidated Financial Statements and accompanying notes. Actual results may differ from these estimates and the differences may be material to the Consolidated Financial Statements. The Company’s most significant estimates relate to the allowance for loan losses, goodwill, income taxes, investment securities, pension, and the fair value of financial instruments. Securities are classified at the time of purchase as investment securities held to maturity if it is management’s intent and the Company has the ability to hold the securities until maturity. These held to maturity securities are carried on the Company’s books at cost, adjusted for amortization of premium and accretion of discount which is computed using the level yield method which approximates the effective interest method. Alternatively, securities are classified as available for sale if it is management’s intent at the time of purchase to hold the securities for an indefinite period of time and/or to use the securities as part of the Company’s asset/liability management strategy. Securities classified as available for sale include securities which may be sold to effectively manage interest rate risk exposure, prepayment risk, and other factors (such as liquidity requirements). These available for sale securities are reported at fair value with unrealized aggregate appreciation/depreciation excluded from income and credited/charged to accumulated other comprehensive income/loss within stockholders’ equity on a net of tax basis. Any securities classified as trading assets are reported at fair value with unrealized aggregate appreciation/depreciation included in income on a net of tax basis. The Company does not engage in trading activity. Realized gains or losses on securities sold are computed upon the adjusted cost of the specific securities sold. Available-for-sale and held-to-maturity securities are reviewed quarterly for possible other-than-temporary impairment. The review includes an analysis of the facts and circumstances of each individual investment such as the severity of loss, the length of time the fair value has been below cost, the expectation for that security’s performance, the creditworthiness of the issuer and the Company’s intent and ability to hold the security to recovery. The Company believes the unrealized losses are primarily a result of increases in market yields from the time of purchase. In general, as market yields rise, the value of securities will decrease; as market yields fall, the fair value of securities will increase. Management generally views changes in fair value caused by changes in interest rates as temporary; therefore, these securities have not been classified as other-than-temporarily impaired. Management has also concluded that based on current information we expect to continue to receive scheduled interest payments as well as the entire principal balance. Furthermore, management does not intend to sell these securities and does not believe it will be required to sell these securities before they recover in value. The Bank is a member of the Federal Home Loan Bank of Pittsburgh (FHLB) and as such, is required to maintain a minimum investment in stock of the FHLB that varies with the level of advances outstanding with the FHLB. The stock is bought from and sold to the FHLB based upon its $100 par value. The stock does not have a readily determinable fair value and as such is classified as restricted stock, carried at cost and evaluated for by management. The stock’s value is determined by the ultimate recoverability of the par value rather than by recognizing temporary declines. The determination of whether the par value will ultimately be recovered is influenced by criteria such as the following: (a) The significance of the decline in net assets of the FHLB as compared to the capital stock amount and the length of time any such situation has persisted (b) Commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance (c) The impact of legislative and regulatory changes on the customer base of FHLB and (d) The liquidity position of the FHLB. Management evaluated the stock and concluded that the stock was not impaired for the periods presented herein. Interest income is recognized using the level yield method related to principal amounts outstanding. The Company discontinues the accrual of interest income when loans become 90 days past due in either principal or interest. In addition, if circumstances warrant, the accrual of interest may be discontinued prior to 90 days. Payments received on non-accrual loans are credited to principal until full recovery of principal has been recognized; or the loan has been returned to accrual status. The only exception to this policy is for residential mortgage loans wherein interest income is recognized on a cash basis as payments are received. A non-accrual commercial loan is placed on accrual status after becoming current and remaining current for twelve consecutive payments. Residential mortgage loans are placed on accrual status upon becoming current. Loan origination and commitment fees, net of associated direct costs, are deferred and amortized into interest and fees on loans over the loan or commitment period. Fee amortization is determined by the effective interest method. Certain newly originated fixed-rate residential mortgage loans are classified as held for sale, because it is management’s intent to sell these residential mortgage loans. The residential mortgage loans held for sale are carried at the lower of aggregate cost or market value. Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company; (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets; and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity. Premises and equipment are stated at cost less accumulated depreciation and amortization. Land is carried at cost. Depreciation is charged to operations over the estimated useful lives of the premises and equipment using the straight-line method with a half-year convention. Useful lives of up to 30 years for buildings and up to 10 years for equipment are utilized. Leasehold improvements are amortized using the straight-line method over the terms of the respective leases or useful lives of the improvements, whichever is shorter. Maintenance, repairs, and minor alterations are charged to current operations as expenditures are incurred. As a financial institution, which assumes lending and credit risks as a principal element of its business, the Company anticipates that credit losses will be experienced in the normal course of business. Accordingly, the Company consistently applies a comprehensive methodology and procedural discipline to perform an analysis which is updated on a quarterly basis at the Bank level to determine both the adequacy of the allowance for loan losses and the necessary provision for loan losses to be charged against earnings. This methodology includes: — Review of all criticized, classified and impaired loans with aggregate balances over $250,000 to determine if any specific reserve allocations are required on an individual loan basis. All required specific reserve allocations are based on careful analysis of the loan’s performance, the related collateral value, cash flow considerations and the financial capability of any guarantor. All loans classified as doubtful or worse are specifically reserved. For impaired loans the measurement of impairment may be based upon: 1) the present value of expected future cash flows discounted at the loan’s effective interest rate; 2) the observable market price of the impaired loan; or 3) the fair value of the collateral of a collateral dependent loan. — The application of formula driven reserve allocations for all commercial and commercial real-estate loans by using a three-year migration analysis of net losses incurred within each risk grade for the entire commercial loan portfolio. The difference between estimated and actual losses is reconciled through the nature of the migration analysis. — The application of formula driven reserve allocations to consumer and residential mortgage loans which are based upon historical net charge-off experience for those loan types. The residential mortgage loan and consumer loan allocations are based upon the Company’s three-year historical average of actual loan net charge-offs experienced in each of those categories. — The application of formula driven reserve allocations to all outstanding loans is based upon review of historical losses and qualitative factors, which include but are not limited to, economic trends, delinquencies, levels of non-accrual and TDR loans, concentrations of credit, trends in loan volume, experience and depth of management, examination and audit results, effects of any changes in lending policies and trends in policy, financial information and documentation exceptions. — Management recognizes that there may be events or economic factors that have occurred affecting specific borrowers or segments of borrowers that may not yet be fully reflected in the information that the Company uses for arriving at reserves for a specific loan or portfolio segment. Therefore, the Company believes that there is estimation risk associated with the use of specific and formula driven allowances. After completion of this process, a formal meeting of the Loan Loss Reserve Committee is held to evaluate the adequacy of the reserve. When it is determined that the prospects for recovery of the principal of a loan have significantly diminished, the loan is charged against the allowance account; subsequent recoveries, if any, are credited to the allowance account. In addition, non-accrual and large delinquent loans are reviewed monthly to determine potential losses. The Company’s policy is to individually review, as circumstances warrant, its commercial and commercial mortgage loans to determine if a loan is impaired. At a minimum, credit reviews are mandatory for all commercial and commercial mortgage loan relationships with aggregate balances in excess of $250,000 within a 12-month period. The Company defines classified loans as those loans rated substandard or doubtful. The Company has also identified three pools of small dollar value homogeneous loans which are evaluated collectively for impairment. These separate pools are for small business relationships with aggregate balances of $250,000 or less, residential mortgage loans and consumer loans. Individual loans within these pools are reviewed and evaluated for specific impairment if factors such as significant delinquency in payments of 90 days or more, bankruptcy, or other negative economic concerns indicate impairment. The allowance for unfunded loan commitments and letters of credit is maintained at a level believed by management to be sufficient to absorb estimated losses related to these unfunded credit facilities. The determination of the adequacy of the allowance is based on periodic evaluations of the unfunded credit facilities including an assessment of the probability of commitment usage, credit risk factors for loans outstanding to these same customers and the terms and expiration dates of the unfunded credit facilities. Net adjustments to the allowance for unfunded loan commitments and letters of credit are provided for in the unfunded commitment reserve expense line item within other expense in the Consolidated Statements of Operations and a separate reserve is recorded within the other liabilities section of the Consolidated Balance Sheets. Trust fees are recorded on the cash basis which approximates the accrual basis for such income. The Company has purchased life insurance policies on certain employees. These policies are recorded on the Consolidated Balance Sheets at their cash surrender value, or the amount that can be realized. Income from these policies and changes in the cash surrender value are recorded in bank owned life insurance within non-interest income. Goodwill Goodwill arising from business combinations represents the value attributable to unidentifiable intangible elements in the business acquired. The Company accounts for goodwill using a two-step process for testing the impairment of goodwill on at least an annual basis. This approach could cause more volatility in the Company’s reported net income because impairment losses, if any, could occur irregularly and in varying amounts. The Company performs an impairment analysis of goodwill at least annually. Basic earnings per share include only the weighted average common shares outstanding. Diluted earnings per share include the weighted average common shares outstanding and any potentially dilutive common stock equivalent shares in the calculation. Treasury shares are treated as retired for earnings per share purposes. Options to purchase 58,788, 3,625, and 103,570 shares of common stock were outstanding during 2015, 2014 and 2013, respectively, but were not included in the computation of diluted earnings per common share because to do so would be anti-dilutive. Exercise prices of anti-dilutive options to purchase common stock outstanding were $3.23 – $4.70, $4.60 – $5.22, and $3.05 – $5.75 during 2015, 2014 and 2013, respectively. Dividends on preferred shares are deducted from net income in the calculation of earnings per common share. YEAR ENDED DECEMBER 31, 2015 2014 2013 (IN THOUSANDS, EXCEPT PER SHARE DATA) Numerator: Net income $ 5,997 $ 3,023 $ 5,193 Preferred stock dividends 210 210 209 Net income available to common shareholders $ 5,787 $ 2,813 $ 4,984 Denominator: Weighted average common shares outstanding (basic) 18,863 18,793 18,942 Effect of stock options 70 115 92 Weighted average common shares outstanding (diluted) 18,933 18,908 19,034 Earnings per common share: Basic $ 0.31 $ 0.15 $ 0.26 Diluted 0.31 0.15 0.26 The Company uses the modified prospective method for accounting of stock-based compensation. The Company recognized $29,000, $42,000 and $82,000 of pretax compensation expense for the years 2015, 2014 and 2013. The fair value of each option grant is estimated on the grant date using the Black-Scholes option pricing model. See Note 18 for details on the assumptions used. The Company presents the components of other comprehensive income (loss) in the Consolidated Statements of Comprehensive Income. These components are comprised of the change in the defined benefit pension obligation and the unrealized holding gains (losses) on available for sale securities, net of any reclassification adjustments for realized gains and losses. On a consolidated basis, cash and cash equivalents include cash and due from depository institutions, interest bearing deposits, and short-term investments in money market funds. The Company made $1,554,000 in income tax payments in 2015; $1,063,000 in 2014; and $137,000 in 2013. The Company had non-cash transfers to other real estate owned (OREO) in the amounts of $189,000 in 2015; $660,000 in 2014; and $766,000 in 2013. The Company made total interest payments of $6,575,000 in 2015; $6,475,000 in 2014; and $6,781,000 in 2013. Deferred tax assets or liabilities are computed based on the difference between the financial statement and income tax basis of assets and liabilities using the enacted marginal tax rate. Deferred income tax expenses or credits are based on the changes in the corresponding asset or liability from period to period. Deferred tax assets are reduced, if necessary, by the amounts of such benefits that are not expected to be realized based upon available evidence. The Company recognizes all derivatives as either assets or liabilities on the Consolidated Balance Sheets and measures those instruments at fair value. For derivatives designated as fair value hedges, changes in the fair value of the derivative and hedged item related to the hedged risk are recognized in earnings. Changes in fair value of derivatives designated and accounted as cash flow hedges, to the extent they are effective as hedges, are recorded in “Other Comprehensive Income,” net of deferred taxes and are subsequently reclassified to earnings when the hedged transaction affects earnings. Any hedge ineffectiveness would be recognized in the income statement line item pertaining to the hedged item. The Company periodically enters into derivative instruments to meet the financing, interest rate and equity risk management needs of its customers. Upon entering into these instruments to meet customer needs, the Company enters into offsetting positions to minimize interest rate and equity risk to the Company. These derivative financial instruments are reported at fair value with any resulting gain or loss recorded in current period earnings. These instruments and their offsetting positions are recorded in other assets and other liabilities on the Consolidated Balance Sheets. Pension costs and liabilities are dependent on assumptions used in calculating such amounts. These assumptions include discount rates, benefits earned, interest costs, expected return on plan assets, mortality rates, and other factors. In accordance with GAAP, actual results that differ from the assumptions are accumulated and amortized over future periods and, therefore, generally affect recognized expense and the recorded obligation of future periods. While management believes that the assumptions used are appropriate, differences in actual experience or changes in assumptions may affect the Company’s pension obligations and future expense. Our pension benefits are described further in Note 14 of the Notes to Consolidated Financial Statements. We group our assets at fair value in three levels, based on the markets in which the assets are traded and the reliability of the assumptions used to determine fair value. These levels are: Level I — Valuation is based upon quoted prices for identical instruments traded in active markets. Level II — Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market. Level III — Valuation is generated from model-based techniques that use significant assumptions not observable in the market. These unobservable assumptions reflect the Company’s own estimates of assumptions that market participants would use in pricing the asset. We base our fair values on the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. It is our policy to maximize the use of observable inputs and minimize the use of unobservable inputs when developing fair value measurements, in accordance with the fair value hierarchy in generally accepted accounting principles. Fair value measurements for most of our assets are obtained from independent pricing services that we have engaged for this purpose. When available, we, or our independent pricing service, use quoted market prices to measure fair value. If market prices are not available, fair value measurement is based upon models that incorporate available trade, bid, and other market information. Subsequently, all of our financial instruments use either of the foregoing methodologies to determine fair value adjustments recorded to our financial statements. In certain cases, however, when market observable inputs for model-based valuation techniques may not be readily available, we are required to make judgments about assumptions market participants would use in estimating the fair value of financial instruments. The degree of management judgment involved in determining the fair value of a financial instrument is dependent upon the availability of quoted market prices or observable market parameters. For financial instruments that trade actively and have quoted market prices or observable market parameters, there is minimal subjectivity involved in measuring fair value. When observable market prices and parameters are not fully available, management judgment is necessary to estimate fair value. In addition, changes in the market conditions may reduce the availability of quoted prices or observable data. When market data is not available, we use valuation techniques requiring more management judgment to estimate the appropriate fair value measurement. Therefore, the results cannot be determined with precision and may not be realized in an actual sale or immediate settlement of the asset. Additionally, there may be inherent weaknesses in any calculation technique, and changes in the underlying assumptions used, including discount rates and estimates of future cash flows, that could significantly affect the results of current or future valuations. In April 2015, the FASB issued ASU 2015-03, Interest — Imputation of Interest (Subtopic 835-30) In January 2016, the FASB issued ASU 2016-01, Financial Instruments — Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities

CASH AND DUE FROM DEPOSITORY IN

CASH AND DUE FROM DEPOSITORY INSTITUTIONS	12 Months Ended
	Dec. 31, 2015
Cash and Cash Equivalents [Abstract]
Cash and Cash Equivalents Disclosure [Text Block]	2. CASH AND DUE FROM DEPOSITORY INSTITUTIONS Included in “Cash and due from depository institutions” are required federal reserves of $2,000 for both December 31, 2015 and 2014, respectively, for facilitating the implementation of monetary policy by the Federal Reserve System. The required reserves are computed by applying prescribed ratios to the classes of average deposit balances. These are held in the form of vault cash and a depository amount held with the Federal Reserve Bank.

INVESTMENT SECURITIES

INVESTMENT SECURITIES	12 Months Ended
	Dec. 31, 2015
Investment Securities [Abstract]
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	3. INVESTMENT SECURITIES The cost basis and fair values of investment securities are summarized as follows: AT DECEMBER 31, 2015 COST GROSS GROSS FAIR (IN THOUSANDS) U.S. Agency $ 2,900 $ — $ (19 ) $ 2,881 Corporate bonds 18,541 18 (307 ) 18,252 U.S. Agency mortgage-backed securities 96,801 1,975 (442 ) 98,334 Total $ 118,242 $ 1,993 $ (768 ) $ 119,467 Investment securities held to maturity: AT DECEMBER 31, 2015 COST GROSS GROSS FAIR (IN THOUSANDS) U.S. Agency mortgage-backed securities $ 10,827 $ 247 $ (53 ) $ 11,021 Taxable municipal 5,592 67 (65 ) 5,594 Corporate bonds and other securities 5,000 3 (85 ) 4,918 Total $ 21,419 $ 317 $ (203 ) $ 21,533 Investment securities available for sale: AT DECEMBER 31, 2014 COST GROSS GROSS FAIR (IN THOUSANDS) U.S. Agency $ 5,931 $ 21 $ (46 ) $ 5,906 Corporate bonds 15,497 61 (122 ) 15,436 U.S. Agency mortgage-backed securities 102,888 3,197 (317 ) 105,768 Total $ 124,316 $ 3,279 $ (485 ) $ 127,110 Investment securities held to maturity: AT DECEMBER 31, 2014 COST GROSS GROSS FAIR (IN THOUSANDS) U.S. Agency mortgage-backed securities $ 12,481 $ 395 $ (50 ) $ 12,826 Taxable municipal 3,364 74 (24 ) 3,414 Corporate bonds and other securities 3,995 6 (28 ) 3,973 Total $ 19,840 $ 475 $ (102 ) $ 20,213 Maintaining investment quality is a primary objective of the Company’s investment policy which, subject to certain limited exceptions, prohibits the purchase of any investment security below a Moody’s Investors Service or Standard & Poor’s rating of A. At December 31, 2015, 79.1% of the portfolio was rated AAA as compared to 84.1% at December 31, 2014. 5.7% of the portfolio was rated below A or unrated on December 31, 2015. The Company and its subsidiaries, collectively, did not hold securities of any single issuer, excluding U.S. Treasury and U.S. Agencies, that exceeded 10% of shareholders’ equity at December 31, 2015. The book value of securities, both available for sale and held to maturity, pledged to secure public and trust deposits, and certain Federal Home Loan Bank borrowings was $87,096,000 at December 31, 2015 and $104,780,000 at December 31, 2014. The Company realized $107,000 of gross investment security gains and $36,000 of gross investment security losses in 2015 and $182,000 of gross investment security gains and $5,000 of investment security losses in 2014, and $289,000 of gross investment gains and $85,000 of gross investment security losses in 2013. On a net basis, the realized gain for 2015 was $47,000 after factoring in tax expense of $24,000 and the realized gain for 2014 was $117,000 after factoring in tax expense of $60,000, and the realized gain for 2013 was $135,000 after factoring in tax expense of $69,000. Proceeds from sales of investment securities available for sale were $3.6 million for 2015, $5.2 million for 2014, and $11.2 million during 2013. The following table sets forth the contractual maturity distribution of the investment securities, cost basis and fair market values, and the weighted average yield for each type and range of maturity as of December 31, 2015. Yields are not presented on a tax-equivalent basis, but are based upon the cost basis and are weighted for the scheduled maturity. The Company’s consolidated investment securities portfolio had an effective duration of approximately 2.85 years. The weighted average expected maturity for available for sale securities at December 31, 2015 for U.S. Agency, U.S. Agency Mortgage-Backed and Corporate Bond securities was 2.34, 4.43 and 4.47 years, respectively. The weighted average expected maturity for held to maturity securities at December 31, 2015 for U.S. Agency Mortgage-Backed and Corporate Bonds/Taxable Municipals and other securities were 5.33 and 6.02 years. AT DECEMBER 31, 2015 U.S. AGENCY U.S. AGENCY MORTGAGE-BACKED SECURITIES CORPORATE BONDS TOTAL INVESTMENT SECURITIES AVAILABLE (IN THOUSANDS, EXCEPT YIELDS) COST BASIS Within 1 year $ — —% $ — —% $ 1,000 2.31 % $ 1,000 2.31 % After 1 year but within 5 years 2,400 1.27 1,206 4.39 8,000 1.82 11,606 1.98 After 5 years but within 10 years 500 1.97 16,807 3.01 9,541 2.64 26,848 2.86 After 10 years but within 15 years — — 41,448 2.45 — — 41,448 2.45 Over 15 years — — 37,340 2.37 — — 37,340 2.37 Total $ 2,900 1.39 $ 96,801 2.54 $ 18,541 2.27 $ 118,242 2.47 FAIR VALUE Within 1 year $ — $ — $ 999 $ 999 After 1 year but within 5 years 2,385 1,253 7,977 11,615 After 5 years but within 10 years 496 17,351 9,276 27,123 After 10 years but within 15 years — 41,834 — 41,834 Over 15 years — 37,896 — 37,896 Total $ 2,881 $ 98,334 $ 18,252 $ 119,467 Investment securities held to maturity: AT DECEMBER 31, 2015 U.S. AGENCY CORPORATE BONDS TOTAL INVESTMENT (IN THOUSANDS, EXCEPT YIELDS) COST BASIS Within 1 year $ — —% $ 1,000 1.67 % $ 1,000 1.67 % After 1 year but within 5 years — — 2,000 1.78 2,000 1.78 After 5 years but within 10 years 2,898 2.40 4,719 4.05 7,617 3.42 After 10 years but within 15 years — — 2,115 3.85 2,115 3.85 Over 15 years 7,929 3.30 758 4.97 8,687 3.45 Total $ 10,827 3.06 $ 10,592 3.42 $ 21,419 3.24 FAIR VALUE Within 1 year $ — $ 995 $ 995 After 1 year but within 5 years — 1,930 1,930 After 5 years but within 10 years 2,857 4,710 7,567 After 10 years but within 15 years — 2,081 2,081 Over 15 years 8,164 796 8,960 Total $ 11,021 $ 10,512 $ 21,533 Total investment securities: LESS THAN 12 MONTHS 12 MONTHS OR LONGER TOTAL FAIR UNREALIZED FAIR UNREALIZED FAIR UNREALIZED U.S. Agency $ 1,486 $ (14 ) $ 395 $ (5) $ 1,881 $ (19 ) U.S. Agency mortgage-backed securities 33,359 (245 ) 9,088 (250 ) 42,447 (495 ) Taxable municipal 3,617 (65 ) — — 3,617 (65 ) Corporate bonds and other securities 8,884 (160 ) 7,766 (232 ) 16,650 (392 ) Total $ 47,346 $ (484 ) $ 17,249 $ (487 ) $ 64,595 $ (971 ) The following tables present information concerning investments with unrealized losses as of December 31, 2014 (in thousands): Total investment securities: LESS THAN 12 MONTHS 12 MONTHS OR LONGER TOTAL FAIR UNREALIZED FAIR UNREALIZED FAIR UNREALIZED U.S. Agency $ 996 $ (4 ) $ 2,858 $ (42 ) $ 3,854 $ (46 ) U.S. Agency mortgage-backed securities 2,826 (13 ) 20,408 (354 ) 23,234 (367 ) Taxable municipal 150 (1 ) 988 (23 ) 1,138 (24 ) Corporate bonds and other securities 2,960 (43 ) 8,891 (107 ) 11,851 (150 ) Total $ 6,932 $ (61 ) $ 33,145 $ (526 ) $ 40,077 $ (587 ) The unrealized losses are primarily a result of increases in market yields from the time of purchase. In general, as market yields rise, the value of securities will decrease; as market yields fall, the fair value of securities will increase. There are 64 positions that are considered temporarily impaired at December 31, 2015. Management generally views changes in fair value caused by changes in interest rates as temporary; therefore, these securities have not been classified as other-than-temporarily impaired. Management has also concluded that based on current information we expect to continue to receive scheduled interest payments as well as the entire principal balance. Furthermore, management does not intend to sell these securities and does not believe it will be required to sell these securities before they recover in value or mature.

LOANS

LOANS	12 Months Ended
	Dec. 31, 2015
Loans [Abstract]
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	4. LOANS The loan portfolio of the Company consisted of the following: AT DECEMBER 31, 2015 2014 (IN THOUSANDS) Commercial $ 181,066 $ 139,126 Commercial loans secured by real estate 421,637 410,329 Real estate-mortgage 257,937 258,616 Consumer 20,344 19,009 Loans, net of unearned income $ 880,984 $ 827,080 Loan balances at December 31, 2015 and 2014 are net of unearned income of $557,000 and $554,000, respectively. Real estate construction loans comprised 3.0% and 3.5% of total loans net of unearned income at December 31, 2015 and 2014, respectively. The Company has no exposure to subprime mortgage loans in either the loan or investment portfolios. The Company has no direct loan exposure to foreign countries. Additionally, the Company has no significant industry lending concentrations. As of December 31, 2015 and 2014, loans to customers engaged in similar activities and having similar economic characteristics, as defined by standard industrial classifications, did not exceed 10% of total loans. Additionally, the majority of the Company’s lending occurs within a 250 mile radius of the Johnstown market. In the ordinary course of business, the subsidiaries have transactions, including loans, with their officers, directors, and their affiliated companies. In management’s opinion, these transactions were on substantially the same terms as those prevailing at the time for comparable transactions with unaffiliated parties and do not involve more than the normal credit risk. These loans totaled $846,000 and $847,000 at December 31, 2015 and 2014, respectively.

ALLOWANCE FOR LOAN LOSSES

ALLOWANCE FOR LOAN LOSSES	12 Months Ended
	Dec. 31, 2015
Allowance for Loan Losses [Abstract]
Allowance for Credit Losses [Text Block]	5. ALLOWANCE FOR LOAN LOSSES The following table summarizes the rollforward of the allowance for loan losses by portfolio segment (in thousands). BALANCE AT CHARGE- RECOVERIES PROVISION BALANCE AT Commercial $ 3,262 $ (170 ) $ 101 $ 1,051 $ 4,244 Commercial loans secured by real estate 3,902 (250 ) 111 (314 ) 3,449 Real estate-mortgage 1,310 (753 ) 171 445 1,173 Consumer 190 (188 ) 26 123 151 Allocation for general risk 959 — — (55 ) 904 Total $ 9,623 $ (1,361 ) $ 409 $ 1,250 $ 9,921 BALANCE AT CHARGE- RECOVERIES PROVISION BALANCE AT Commercial $ 2,844 $ (172 ) $ 141 $ 449 $ 3,262 Commercial loans secured by real estate 4,885 (708 ) 231 (506 ) 3,902 Real estate-mortgage 1,260 (322 ) 71 301 1,310 Consumer 136 (121 ) 24 151 190 Allocation for general risk 979 — — (20 ) 959 Total $ 10,104 $ (1,323 ) $ 467 $ 375 $ 9,623 BALANCE AT CHARGE- RECOVERIES PROVISION BALANCE AT Commercial $ 2,596 $ (50 ) $ 80 $ 218 $ 2,844 Commercial loans secured by real estate 7,796 (1,777 ) 481 (1,615 ) 4,885 Real estate-mortgage 1,269 (139 ) 122 8 1,260 Consumer 150 (154 ) 70 70 136 Allocation for general risk 760 — — 219 979 Total $ 12,571 $ (2,120 ) $ 753 $ (1,100 ) $ 10,104 The higher provision for commercial loans was necessary due to the transfer into non-accrual status of a $4.1 million loan to a customer in the fracking industry that filed for bankruptcy protection in the fourth quarter. This is the Company’s only meaningful direct loan exposure to the energy industry. The higher provision was also needed to support the continuing growth of the loan portfolio and cover net loan charge-offs. Overall, even with the increase in non-performing assets, the Company continues to maintain strong asset quality. At December 31, 2015, non-performing assets totaled $5.3 million, or 0.71% of total loans. The following tables summarize the loan portfolio and allowance for loan loss by the primary segments of the loan portfolio. AT DECEMBER 31, 2015 (IN THOUSANDS) Loans: COMMERCIAL COMMERCIAL LOANS REAL ESTATE- MORTGAGE CONSUMER TOTAL Individually evaluated for impairment $ 4,416 $ 86 $ — $ — $ 4,502 Collectively evaluated for impairment 176,650 421,551 257,937 20,344 876,482 Total loans $ 181,066 $ 421,637 $ 257,937 $ 20,344 $ 880,984 AT DECEMBER 31, 2015 (IN THOUSANDS) Allowance for loan losses: COMMERCIAL COMMERCIAL LOANS SECURED BY REAL ESTATE REAL ESTATE- MORTGAGE CONSUMER ALLOCATION FOR GENERAL RISK TOTAL Specific reserve allocation $ 1,387 $ — $ — $ — $ — $ 1,387 General reserve allocation 2,857 3,449 1,173 151 904 8,534 Total allowance for loan losses $ 4,244 $ 3,449 $ 1,173 $ 151 $ 904 $ 9,921 AT DECEMBER 31, 2014 (IN THOUSANDS) Loans: COMMERCIAL COMMERCIAL REAL CONSUMER TOTAL Individually evaluated for impairment $ — $ 989 $ — $ — $ 989 Collectively evaluated for impairment 139,126 409,340 258,616 19,009 826,091 Total loans $ 139,126 $ 410,329 $ 258,616 $ 19,009 $ 827,080 AT DECEMBER 31, 2014 (IN THOUSANDS) Allowance for loan losses: COMMERCIAL COMMERCIAL REAL CONSUMER ALLOCATION TOTAL Specific reserve allocation $ — $ 520 $ — $ — $ — $ 520 General reserve allocation 3,262 3,382 1,310 190 959 9,103 Total allowance for loan losses $ 3,262 $ 3,902 $ 1,310 $ 190 $ 959 $ 9,623 The segments of the Company’s loan portfolio are disaggregated to a level that allows management to monitor risk and performance. The loan segments used are consistent with the internal reports evaluated by the Company’s management and Board of Directors to monitor risk and performance within various segments of its loan portfolio and therefore, no further disaggregation into classes is necessary. The overall risk profile for the commercial and commercial real estate loan segments are impacted by non-owner occupied CRE loans, which include loans secured by non-owner occupied nonfarm nonresidential properties, as a meaningful but declining portion of the commercial portfolio is centered in these types of accounts. The residential mortgage loan segment is comprised of first lien amortizing residential mortgage loans and home equity loans secured by residential real estate. The consumer loan segment consists primarily of installment loans and overdraft lines of credit connected with customer deposit accounts. Management evaluates for possible impairment any individual loan in the commercial or commercial real estate segment with a loan balance in excess of $100,000 that is in nonaccrual status or classified as a Troubled Debt Restructure (TDR). Loans are considered to be impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in evaluating impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. 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. The Company does not separately evaluate individual consumer and residential mortgage loans for impairment, unless such loans are part of a larger relationship that is impaired, or are classified as a TDR. Once the determination has been made that a loan is impaired, the determination of whether a specific allocation of the allowance is necessary is measured by comparing the recorded investment in the loan to the fair value of the loan using one of three methods: (a) the present value of expected future cash flows discounted at the loan’s effective interest rate; (b) the loan’s observable market price; or (c) the fair value of the collateral less selling costs for collateral dependent loans. The method is selected on a loan-by-loan basis, with management primarily utilizing the fair value of collateral method. The evaluation of the need and amount of a specific allocation of the allowance and whether a loan can be removed from impairment status is made on a quarterly basis. The Company’s policy for recognizing interest income on impaired loans does not differ from its overall policy for interest recognition. The need for an updated appraisal on collateral dependent loans is determined on a case-by-case basis. The useful life of an appraisal or evaluation will vary depending upon the circumstances of the property and the economic conditions in the marketplace. A new appraisal is not required if there is an existing appraisal which, along with other information, is sufficient to determine a reasonable value for the property and to support an appropriate and adequate allowance for loan losses. At a minimum, annual documented reevaluation of the property is completed by the Bank’s internal Assigned Risk Department to support the value of the property. When reviewing an appraisal associated with an existing collateral real estate dependent transaction, the Bank’s internal Assigned Risk Department must determine if there have been material changes to the underlying assumptions in the appraisal which affect the original estimate of value. Some of the factors that could cause material changes to reported values include: • the passage of time; • the volatility of the local market; • the availability of financing; • natural disasters; • the inventory of competing properties; • new improvements to, or lack of maintenance of, the subject property or competing properties upon physical inspection by the Bank; • changes in underlying economic and market assumptions, such as material changes in current and projected vacancy, absorption rates, capitalization rates, lease terms, rental rates, sales prices, concessions, construction overruns and delays, zoning changes, etc.; and/or • environmental contamination. The value of the property is adjusted to appropriately reflect the above listed factors and the value is discounted to reflect the value impact of a forced or distressed sale, any outstanding senior liens, any outstanding unpaid real estate taxes, transfer taxes and closing costs that would occur with sale of the real estate. If the Assigned Risk Department personnel determine that a reasonable value cannot be derived based on available information, a new appraisal is ordered. The determination of the need for a new appraisal, versus completion of a property valuation by the Bank’s Assigned Risk Department personnel rests with the Assigned Risk Department and not the originating account officer. The following tables present impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary. AT DECEMBER 31, 2015 IMPAIRED LOANS WITH IMPAIRED TOTAL IMPAIRED LOANS RECORDED RELATED RECORDED RECORDED UNPAID (IN THOUSANDS) Commercial $ 4,416 $ 1,387 $ — $ 4,416 $ 4,421 Commercial loans secured by real estate — — 86 86 522 Total impaired loans $ 4,416 $ 1,387 $ 86 $ 4,502 $ 4,943 AT DECEMBER 31, 2014 IMPAIRED LOANS WITH IMPAIRED TOTAL IMPAIRED LOANS RECORDED RELATED RECORDED RECORDED UNPAID (IN THOUSANDS) Commercial loans secured by real estate $ 989 $ 520 $ — $ 989 $ 1,069 Total impaired loans $ 989 $ 520 $ — $ 989 $ 1,069 The following table presents the average recorded investment in impaired loans and related interest income recognized for the periods indicated. YEAR ENDED DECEMBER 31, 2015 2014 2013 (IN THOUSANDS) Average impaired balance: Commercial $ 1,271 $ — $ 13 Commercial loans secured by real estate 866 1,756 2,459 Consumer 9 — 37 Average investment in impaired loans $ 2,146 $ 1,756 $ 2,509 Interest income recognized: Commercial $ 10 $ — $ — Commercial loans secured by real estate 17 12 11 Consumer — — 3 Interest income recognized on a cash basis on impaired loans $ 27 $ 12 $ 14 Management uses a nine point internal risk rating system to monitor the credit quality of the overall loan portfolio. The first six categories are considered not criticized. The first five “Pass” categories are aggregated, while the Pass-6, Special Mention, Substandard and Doubtful categories are disaggregated to separate pools. The criticized rating categories utilized by management follow bank regulatory definitions. The Special Mention category includes assets that are currently protected but are potentially weak, resulting in an undue and unwarranted credit risk, but not to the point of justifying a Substandard classification. Loans in the Substandard category have well-defined weaknesses that jeopardize the liquidation of the debt, and have a distinct possibility that some loss will be sustained if the weaknesses are not corrected. All loans greater than 90 days past due, or for which any portion of the loan represents a specific allocation of the allowance for loan losses are placed in Substandard or Doubtful. To help ensure that risk ratings are accurate and reflect the present and future capacity of borrowers to repay a loan as agreed, the Company has a structured loan rating process, which dictates that, at a minimum, credit reviews are mandatory for all commercial and commercial mortgage loan relationships with aggregate balances in excess of $250,000 within a 12-month period. Generally, consumer and residential mortgage loans are included in the Pass categories unless a specific action, such as bankruptcy, delinquency, or death occurs to raise awareness of a possible credit event. The Company’s commercial relationship managers are responsible for the timely and accurate risk rating of the loans in their portfolios at origination and on an ongoing basis. Risk ratings are assigned by the account officer, but require independent review and rating concurrence from the Company’s internal Loan Review Department. The Loan Review Department is an experienced independent function which reports directly to the Board’s Audit Committee. The scope of commercial portfolio coverage by the Loan Review Department is defined and presented to the Audit Committee for approval on an annual basis. The approved scope of coverage for 2015 required review of a minimum range of 50% to 55% of the commercial loan portfolio. In addition to loan monitoring by the account officer and Loan Review Department, the Company also requires presentation of all credits rated Pass-6 with aggregate balances greater than $1,000,000, all credits rated Special Mention or Substandard with aggregate balances greater than $250,000, and all credits rated Doubtful with aggregate balances greater than $100,000 on an individual basis to the Company’s Loan Loss Reserve Committee on a quarterly basis. Additionally, the Asset Quality Task Force, which is a group comprised of senior level personnel, meets monthly to monitor the status of problem loans. The following table presents the classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system. AT DECEMBER 31, 2015 PASS SPECIAL SUBSTANDARD DOUBTFUL TOTAL (IN THOUSANDS) Commercial $ 174,616 $ 1,811 $ 3,318 $ 1,321 $ 181,066 Commercial loans secured by real estate 416,331 3,100 2,188 18 421,637 Total $ 590,947 $ 4,911 $ 5,506 $ 1,339 $ 602,703 AT DECEMBER 31, 2014 PASS SPECIAL SUBSTANDARD DOUBTFUL TOTAL (IN THOUSANDS) Commercial $ 132,665 $ 161 $ 6,164 $ 136 $ 139,126 Commercial loans secured by real estate 406,195 620 3,238 276 410,329 Total $ 538,860 $ 781 $ 9,402 $ 412 $ 549,455 It is generally the policy of the bank that the outstanding balance of any residential mortgage loan that exceeds 90-days past due as to principal and/or interest is transferred to non-accrual status and an evaluation is completed to determine the fair value of the collateral less selling costs, unless the balance is minor. A charge down is recorded for any deficiency balance determined from the collateral evaluation. The remaining non-accrual balance is reported as impaired with no specific allowance. It is the policy of the bank that the outstanding balance of any consumer loan that exceeds 90-days past due as to principal and/or interest is charged off. The following tables present the performing and non-performing outstanding balances of the residential and consumer portfolios (in thousands). AT DECEMBER 31, 2015 PERFORMING NON- (IN THOUSANDS) Real estate-mortgage $ 256,149 $ 1,788 Consumer 20,344 — Total $ 276,493 $ 1,788 AT DECEMBER 31, 2014 PERFORMING NON- (IN THOUSANDS) Real estate-mortgage $ 257,199 $ 1,417 Consumer 19,009 — Total $ 276,208 $ 1,417 Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past due. The following tables present the classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans. AT DECEMBER 31, 2015 CURRENT 30 – 59 60 – 89 90 DAYS TOTAL TOTAL 90 DAYS (IN THOUSANDS) Commercial $ 176,216 $ 489 $ 4,361 $ — $ 4,850 $ 181,066 $ — Commercial loans secured by real estate 421,247 208 182 — 390 421,637 — Real estate-mortgage 254,288 2,658 442 549 3,649 257,937 — Consumer 20,115 67 162 — 229 20,344 — Total $ 871,866 $ 3,422 $ 5,147 $ 549 $ 9,118 $ 880,984 $ — AT DECEMBER 31, 2014 CURRENT 30 – 59 60 – 89 90 DAYS TOTAL TOTAL 90 DAYS (IN THOUSANDS) Commercial $ 139,126 $ — $ — $ — $ — $ 139,126 $ — Commercial loans secured by real estate 410,049 280 — — 280 410,329 — Real estate-mortgage 255,021 2,196 332 1,067 3,595 258,616 — Consumer 18,927 74 8 — 82 19,009 — Total $ 823,123 $ 2,550 $ 340 $ 1,067 $ 3,957 $ 827,080 $ — An allowance for loan losses (“ALL”) is maintained to absorb losses from the loan portfolio. The ALL is based on management’s continuing evaluation of the risk characteristics and credit quality of the loan portfolio, assessment of current economic conditions, diversification and size of the portfolio, adequacy of collateral, past and anticipated loss experience, and the amount of non-performing loans. Loans that are collectively evaluated for impairment are analyzed with general allowances being made as appropriate. For general allowances, historical loss trends are used in the estimation of losses in the current portfolio. These historical loss amounts are complemented by consideration of other qualitative factors. Management tracks the historical net charge-off activity at each risk rating grade level for the entire commercial portfolio and at the aggregate level for the consumer and residential mortgage portfolios. A historical charge-off factor is calculated utilizing a rolling 12 consecutive historical quarters for the commercial portfolios. This historical charge-off factor for the consumer and residential mortgage portfolios are based on a three year historical average of actual loss experience. The Company uses a comprehensive methodology and procedural discipline to maintain an ALL to absorb inherent losses in the loan portfolio. The Company believes this is a critical accounting policy since it involves significant estimates and judgments. The allowance consists of three elements: 1) an allowance established on specifically identified problem loans, 2) formula driven general reserves established for loan categories based upon historical loss experience and other qualitative factors which include delinquency, non-performing and TDR loans, loan trends, economic trends, concentrations of credit, trends in loan volume, experience and depth of management, examination and audit results, effects of any changes in lending policies, and trends in policy, financial information, and documentation exceptions, and 3) a general risk reserve which provides support for variance from our assessment of the previously listed qualitative factors, provides protection against credit risks resulting from other inherent risk factors contained in the Company’s loan portfolio, and recognizes the model and estimation risk associated with the specific and formula driven allowances. The qualitative factors used in the formula driven general reserves are evaluated quarterly (and revised if necessary) by the Company’s management to establish allocations which accommodate each of the listed risk factors. “Pass” rated credits are segregated from “Criticized” and “Classified” credits for the application of qualitative factors. Management reviews the loan portfolio on a quarterly basis using a defined, consistently applied process in order to make appropriate and timely adjustments to the ALL. When information confirms all or part of specific loans to be uncollectible, these amounts are promptly charged off against the ALL.

NON-PERFORMING ASSETS INCLUDING

NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS	12 Months Ended
	Dec. 31, 2015
Nonperforming Assets Including Troubled Debt Restructurings [Abstract]
Non Performing Assets Including Troubled Debt Restructurings Tdr [Text Block]	6. NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS Non-performing assets are comprised of (i) loans which are on a non-accrual basis, (ii) loans which are contractually past due 90 days or more as to interest or principal payments, (iii) performing loans classified as TDR and (iv) OREO (real estate acquired through foreclosure, in-substance foreclosures and repossessed assets). AT DECEMBER 31, 2015 2014 (IN THOUSANDS, EXCEPT PERCENTAGES) Non-accrual loans: Commercial $ 4,260 $ — Commercial loans secured by real estate 18 778 Real estate-mortgage 1,788 1,417 Total 6,066 2,195 Other real estate owned: Commercial loans secured by real estate — 384 Real estate-mortgage 75 128 Total 75 512 Total restructured loans not in non-accrual (TDR) 156 210 Total non-performing assets including TDR $ 6,297 $ 2,917 Total non-performing assets as a percent of loans, net of unearned income, and other real estate owned 0.71 % 0.35 % The Company had no loans past due 90 days or more for the periods presented which were accruing interest. Consistent with accounting and regulatory guidance, the Bank recognizes a TDR when the Bank, for economic or legal reasons related to a borrower’s financial difficulties, grants a concession to the borrower that would not normally be considered. Regardless of the form of concession granted, the Bank’s objective in offering a TDR is to increase the probability of repayment of the borrower’s loan. To be considered a TDR, both • the borrower must be experiencing financial difficulties; and • the Bank, for economic or legal reasons related to the borrower’s financial difficulties, grants a concession to the borrower that would not otherwise be considered. Factors that indicate a borrower is experiencing financial difficulties include, but are not limited to: • the borrower is currently in default on their loan(s); • the borrower has filed for bankruptcy; • the borrower has insufficient cash flows to service their loan(s); and • the borrower is unable to obtain refinancing from other sources at a market rate similar to rates available to a non-troubled debtor. Factors that indicate that a concession has been granted include, but are not limited to: • the borrower is granted an interest rate reduction to a level below market rates for debt with similar risk; or • the borrower is granted a material maturity date extension, or extension of the amortization plan to provide payment relief. For purposes of this policy, a material maturity date extension will generally include any maturity date extension, or the aggregate of multiple consecutive maturity date extensions, that exceed 120 days. A restructuring that results in an insignificant delay in payment, i.e. 120 days or less, is not necessarily a TDR. Insignificant payment delays occur when the amount of the restructured payments subject to the delay is insignificant relative to the unpaid principal or collateral value, and will result in an insignificant shortfall in the originally scheduled contractual amount due, and/or the delay in timing of the restructured payment period is insignificant relative to the frequency of payments, the original maturity or the original amortization. The determination of whether a restructured loan is a TDR requires consideration of all of the facts and circumstances surrounding the modification. No single factor is determinative of whether a restructuring is a TDR. An overall general decline in the economy or some deterioration in a borrower’s financial condition does not automatically mean that the borrower is experiencing financial difficulty. Accordingly, determination of whether a modification is a TDR involves a large degree of judgment. Any loan modification where the borrower’s aggregate exposure is at least $250,000 and Loans in non-accrual status # of Loans Current Concession Granted Commercial loan secured by real estate 6 $ 4,320 Extension of maturity date Loans in accrual status # of Loans Current Concession Granted Commercial loan secured by real estate 1 $ 156 Extension of maturity date The following table details the TDRs at December 31, 2014 (dollars in thousands). Loans in non-accrual status # of Loans Current Concession Granted Commercial loan secured by real estate 2 $ 210 Extension of maturity date Loans in accrual status # of Loans Current Concession Granted Commercial loan secured by real estate 2 $ 742 Extension of maturity date The following table details the TDRs at December 31, 2013 (dollars in thousands). Loans in non-accrual status # of Loans Current Concession Granted Commercial loan secured by real estate 2 $ 1,250 Extension of maturity date Loans in accrual status # of Loans Current Concession Granted Commercial loan secured by real estate 2 $ 161 Extension of maturity date Consumer 2 61 Extension of maturity date In all instances where loans have been modified in troubled debt restructurings the pre- and post-modified balances are the same. Once a loan is classified as a TDR, this classification will remain until documented improvement in the financial position of the borrower supports confidence that all principal and interest will be paid according to terms. Additionally, the customer must have re-established a track record of timely payments according to the restructured contract terms for a minimum of six consecutive months prior to consideration for removing the loan from non-accrual TDR status. However, a loan will continue to be on non-accrual status until, consistent with our policy, the borrower has made a minimum of six consecutive payments in accordance with the terms of the loan. YEAR ENDED DECEMBER 31, 2015 2014 2013 Recorded investment of defaults Commercial loan secured by real estate $ — $ — $ 1,480 Total $ — $ — $ 1,480 All TDRs are individually evaluated for impairment and a related allowance is recorded, as needed. All TDRs which defaulted in the above table had a related allowance adequate to reserve for anticipated losses. The Company is unaware of any additional loans which are required to either be charged-off or added to the non-performing asset totals disclosed above. OREO is recorded at the lower of 1) fair value minus estimated costs to sell, or 2) carrying cost. YEAR ENDED DECEMBER 31, 2015 2014 2013 (IN THOUSANDS) Interest income due in accordance with original terms $ 94 $ 136 $ 178 Interest income recorded — — — Net reduction in interest income $ 94 $ 136 $ 178 Foreclosed assets acquired in settlement of loans carried at fair value less estimated costs to sell are included in the other assets on the Consolidated Balance Sheet. As of December 31, 2015 and 2014, a total of $75,000 and $128,000, respectively of residential real estate foreclosed assets were included in other assets. As of December 31, 2015, the Company had initiated formal foreclosure procedures on $323,000 of consumer residential mortgages.

PREMISES AND EQUIPMENT

PREMISES AND EQUIPMENT	12 Months Ended
	Dec. 31, 2015
Property, Plant and Equipment [Abstract]
Property, Plant and Equipment Disclosure [Text Block]	7. PREMISES AND EQUIPMENT An analysis of premises and equipment follows: AT DECEMBER 31, 2015 2014 (IN THOUSANDS) Land $ 1,198 $ 1,198 Premises 24,096 24,175 Furniture and equipment 8,291 8,337 Leasehold improvements 696 689 Total at cost 34,281 34,399 Less: Accumulated depreciation and amortization 22,173 21,387 Premises and equipment, net $ 12,108 $ 13,012 The Company recorded depreciation expense of $1.8 million for both years 2015 and 2014, respectively.

DEPOSITS

DEPOSITS	12 Months Ended
	Dec. 31, 2015
Deposits [Abstract]
Deposit Liabilities Disclosures [Text Block]	8. DEPOSITS AT DECEMBER 31, 2015 2014 (IN THOUSANDS) Demand: Non-interest bearing $ 188,947 $ 167,551 Interest bearing 92,037 89,676 Savings 93,949 90,020 Money market 258,818 221,378 Certificates of deposit in denominations of $100,000 or more 31,422 50,529 Other time 238,121 250,727 Total deposits $ 903,294 $ 869,881 YEAR ENDED DECEMBER 31, 2015 2014 2013 (IN THOUSANDS) Interest bearing demand $ 199 $ 191 $ 138 Savings 156 144 139 Money market 817 761 736 Certificates of deposit in denominations of $100,000 or 266 268 289 Other time 3,314 3,525 3,862 Total interest expense $ 4,752 $ 4,889 $ 5,164 YEAR: OTHER CERTIFICATES (IN THOUSANDS) 2016 $ 102,774 $ 28,288 2017 26,971 1,988 2018 36,165 945 2019 28,543 100 2020 17,013 — 2021 and after 26,655 101 Total $ 238,121 $ 31,422 The maturities on certificates of deposit greater than $100,000 or more as of December 31, 2015, are as follows: MATURING IN: (IN THOUSANDS) Three months or less $ 6,868 Over three through six months 12,588 Over six through twelve months 8,832 Over twelve months 3,134 Total $ 31,422 The aggregate amount of time deposit accounts (including certificates of deposit) that meet or exceed the FDIC insurance limit at December 31, 2015 and 2014 are $46.1 million and $65.2 million, respectively.

SHORT-TERM BORROWINGS

SHORT-TERM BORROWINGS	12 Months Ended
	Dec. 31, 2015
Short-term Debt [Abstract]
Short-term Debt [Text Block]	9. SHORT-TERM BORROWINGS Short-term borrowings, which consist of federal funds purchased and other short-term borrowings are summarized as follows: AT DECEMBER 31, 2015 FEDERAL SHORT-TERM (IN THOUSANDS, EXCEPT RATES) Balance $ — $ 48,748 Maximum indebtedness at any month end — 65,071 Average balance during year — 24,582 Average rate paid for the year — 0.35 % Interest rate on year-end balance — 0.43 AT DECEMBER 31, 2014 FEDERAL SHORT-TERM (IN THOUSANDS, EXCEPT RATES) Balance $ — $ 38,880 Maximum indebtedness at any month end — 47,762 Average balance during year — 18,783 Average rate paid for the year — 0.29 % Interest rate on year-end balance — 0.27 AT DECEMBER 31, 2013 FEDERAL OTHER (IN THOUSANDS, EXCEPT RATES) Balance $ — $ 41,555 Maximum indebtedness at any month end — 41,555 Average balance during year 959 16,482 Average rate paid for the year 0.34 % 0.26 % Interest rate on year-end balance — 0.25 Average amounts outstanding during the year represent daily averages. Average interest rates represent interest expense divided by the related average balances. These borrowing transactions can range from overnight to one year in maturity. The average maturity was three days at the end of 2015, and one day for 2014 and 2013.

ADVANCES FROM FEDERAL HOME LOAN

ADVANCES FROM FEDERAL HOME LOAN BANK, GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES AND SUBORDINATED DEBT	12 Months Ended
	Dec. 31, 2015
Long-term Debt, Unclassified [Abstract]
Long-term Debt [Text Block]	10. ADVANCES FROM FEDERAL HOME LOAN BANK, GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES AND SUBORDINATED DEBT Advances from the FHLB consist of the following: AT DECEMBER 31, 2015 MATURING WEIGHTED BALANCE (IN THOUSANDS, EXCEPT RATES) 2016 0.81 $ 12,000 2017 1.06 12,000 2018 1.48 12,000 2019 1.73 7,000 2020 1.69 5,000 Total advances from FHLB 1.27 $ 48,000 AT DECEMBER 31, 2014 MATURING WEIGHTED BALANCE (IN THOUSANDS, EXCEPT RATES) 2015 0.52 $ 4,000 2016 0.81 12,000 2017 1.06 12,000 2018 1.51 10,000 2019 1.88 4,000 Total advances from FHLB 1.12 $ 42,000 The Company’s subsidiary Bank is a member of the FHLB which provides this subsidiary with the opportunity to obtain short to longer-term advances based upon the Company’s investment in assets secured by one- to four-family residential real estate and certain types of CRE. The rate on open repo plus advances, which are typically overnight borrowings, can change daily, while the rate on the advances is fixed until the maturity of the advance. All FHLB stock along with an interest in certain residential mortgage and CRE loans with an aggregate statutory value equal to the amount of the advances, are pledged as collateral to the FHLB of Pittsburgh to support these borrowings. At December 31, 2015, the Company had immediately available $350 million of overnight borrowing capability at the FHLB, $33 million of short-term borrowing availability at the Federal Reserve Bank and $39 million of unsecured federal funds lines with correspondent banks. Guaranteed Junior Subordinated Deferrable Interest Debentures: On April 28, 1998, the Company completed a $34.5 million public offering of 8.45% Trust Preferred Securities, which represent undivided beneficial interests in the assets of a Delaware business trust, AmeriServ Financial Capital Trust I. The Trust Preferred Securities will mature on June 30, 2028, and are callable at par at the option of the Company after June 30, 2003. Proceeds of the issue were invested by AmeriServ Financial Capital Trust I in Junior Subordinated Debentures issued by the Company. Unamortized deferred issuance costs associated with the Trust Preferred Securities amounted to $193,000 as of December 31, 2015 and are included in other assets on the Consolidated Balance Sheets, and are being amortized on a straight-line basis over the term of the issue. The Trust Preferred securities are listed on NASDAQ under the symbol ASRVP. The Company used $22.5 million of proceeds from a private placement of common stock to redeem Trust Preferred Securities in 2005 and 2004. The balance as of December 31, 2015 and 2014 was $13.1 million. Subordinated Debt: On December 29, 2015, the Company completed a private placement of $7.65 million in aggregate principal amount of fixed rate subordinated notes to certain accredited investors. The subordinated notes mature December 31, 2025 and have a 6.50% fixed interest rate for the entire term. This subordinated debt has been structured to qualify as Tier 2 capital under the Federal Reserve’s capital guidelines and will be non-callable for five years. Unamortized deferred issuance costs associated with the subordinated debt amounted to $232,000 as of December 31, 2015 and are included in other assets on the Consolidated Balance Sheets, and are being amortized on a straight-line basis over the term of the issue. The Company used the proceeds from this private placement and other cash on hand to redeem all $21 million of its issued and outstanding SBLF preferred stock on January 27, 2016. For more information on this redemption see Note 26 Subsequent Event.

DISCLOSURES ABOUT FAIR VALUE ME

DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS	12 Months Ended
	Dec. 31, 2015
Disclosures about Fair Value Measurements [Abstract]
Fair Value, Measurement Inputs, Disclosure [Text Block]	11. DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS The following disclosures establish a hierarchal framework associated with the level of pricing observability utilized in measuring assets and liabilities at fair value. The three broad levels defined within this hierarchy are as follows: Level I: Quoted prices are available in active markets for identical assets or liabilities as of the reported date. Level II: Pricing inputs are other than the quoted prices in active markets, which are either directly or indirectly observable as of the reported date. The nature of these assets and liabilities includes items for which quoted prices are available but traded less frequently and items that are fair-valued using other financial instruments, the parameters of which can be directly observed. Level III: Assets and liabilities that have little to no pricing observability as of the reported date. These items do not have two-way markets and are measured using management’s best estimate of fair value, where the inputs into the determination of fair value require significant management judgment or estimation. Securities classified as available for sale are reported at fair value utilizing Level 2 inputs. For these securities, the Company obtains fair value measurements from an independent pricing service. The fair value measurements consider observable data that may include dealer quoted 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 things. The following table presents the assets reported on the Consolidated Balance Sheets at their fair value as of December 31, 2015 and 2014, by level within the fair value hierarchy. Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement. Assets and Liability Measured on a Recurring Basis: Assets and liability measured at fair value on a recurring basis are summarized below (in thousands): FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2015 USING TOTAL (LEVEL 1) (LEVEL 2) (LEVEL 3) Assets: U.S. Agency securities $ 2,881 $ — $ 2,881 $ — U.S. Agency mortgage-backed securities 98,334 — 98,334 — Corporate bonds 18,252 — 18,252 — FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2014 USING TOTAL (LEVEL 1) (LEVEL 2) (LEVEL 3) Assets: U.S. Agency securities $ 5,906 $ — $ 5,906 $ — U.S. Agency mortgage-backed securities 105,768 — 105,768 — Corporate bonds 15,436 — 15,436 — Assets Measured on a Non-recurring Basis: Assets measured at fair value on a non-recurring basis are summarized below (in thousands): FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2015 USING TOTAL (LEVEL 1) (LEVEL 2) (LEVEL 3) Assets: Impaired loans $ 3,115 $ — $ — $ 3,115 Other real estate owned 75 — — 75 FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2014 USING TOTAL (LEVEL 1) (LEVEL 2) (LEVEL 3) Assets: Impaired loans $ 469 $ — $ — $ 469 Other real estate owned 512 — — 512 Loans considered impaired 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 reported at fair value of the underlying collateral if the repayment is expected solely from the collateral. Collateral values are estimated using Level 3 inputs based on observable market data which at times are discounted. At December 31, 2015, impaired loans with a carrying value of $4.5 million were reduced by specific valuation allowance totaling $1.4 million resulting in a net fair value of $3.1 million. At December 31, 2014, impaired loans with a carrying value of $989,000 were reduced by specific valuation allowance totaling $520,000 resulting in a net fair value of $469,000. OREO is measured at fair value based on appraisals, less cost to sell at the date of 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. Income and expenses from operations and changes in valuation allowance are included in the net expenses from OREO. December 31, 2015 Quantitative Information About Level 3 Fair Value Measurements Fair Value Valuation Techniques Unobservable Input Range (Wgtd Ave) Impaired loans $ 3,115 Appraisal of collateral (1) Appraisal adjustments (2) 15% to 20% (17%) Other real estate owned 75 Appraisal of collateral (1),(3) Appraisal adjustments (2) 23% to 49% (35%) Liquidation expenses (2) 10% to 59% (25%) December 31, 2014 Quantitative Information About Level 3 Fair Value Measurements Fair Value Valuation Techniques Unobservable Input Range (Wgtd Ave) Impaired loans $ 469 Appraisal of collateral (1) Appraisal adjustments (2) 0% to 37%(30%) Liquidation expenses (2) 1% to 15%(10%) Other real estate owned 512 Appraisal of collateral (1),(3) Appraisal adjustments (2) 47% to 83%(55%) Liquidation expenses (2) 1% to 61%(9%) (1) Fair Value is generally determined through independent appraisals of the underlying collateral, which generally include various level 3 inputs which are not identifiable. (2) Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. (3) Includes qualitative adjustments by management and estimated liquidation expenses.

DISCLOSURES ABOUT FAIR VALUE OF

DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS	12 Months Ended
	Dec. 31, 2015
Disclosures About Fair Value Of Financial Instruments [Abstract]
Financial Instruments Disclosure [Text Block]	12. DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS For the Company, as for most financial institutions, approximately 90% of its assets and liabilities are considered financial instruments. Many of the Company’s financial instruments, however, lack an available trading market characterized by a willing buyer and willing seller engaging in an exchange transaction. Therefore, significant estimates and present value calculations were used by the Company for the purpose of this disclosure. Fair values have been determined by the Company using independent third party valuations that uses best available data (Level 2) and an estimation methodology (Level 3) the Company believes is suitable for each category of financial instruments. Management believes that cash and cash equivalents, and loans and deposits with floating interest rates have estimated fair values which approximate the recorded carrying values. The estimation methodologies used, the estimated fair values based on US GAAP measurements, and recorded carrying values at December 31, 2015 and 2014, were as follows: AT DECEMBER 31, 2015 Carrying Value Fair (Level 1) (Level 2) (Level 3) (IN THOUSANDS) FINANCIAL ASSETS: Cash and cash equivalents $ 48,510 $ 48,510 $ 48,510 $ — $ — Investment securities – AFS 119,467 119,467 — 119,467 — Investment securities – HTM 21,419 21,533 — 18,608 2,925 Regulatory stock 6,753 6,753 6,753 — — Loans held for sale 3,003 3,041 3,041 — — Loans, net of allowance for loan loss and unearned income 871,063 869,591 — — 869,591 Accrued interest income receivable 3,057 3,057 3,057 — — Bank owned life insurance 37,228 37,228 37,228 — — FINANCIAL LIABILITIES: Deposits with no stated maturities $ 633,751 $ 633,751 $ 633,751 $ — $ — Deposits with stated maturities 269,543 271,909 — — 271,909 Short-term borrowings 48,748 48,748 48,748 — — All other borrowings 68,735 72,241 — — 72,241 Accrued interest payable 1,651 1,651 1,651 — — AT DECEMBER 31, 2014 Carrying Value Fair (Level 1) (Level 2) (Level 3) (IN THOUSANDS) FINANCIAL ASSETS: Cash and cash equivalents $ 32,872 $ 32,872 $ 32,872 $ — $ — Investment securities – AFS 127,110 127,110 — 127,110 — Investment securities – HTM 19,840 20,213 — 17,241 2,972 Regulatory stock 6,173 6,173 6,173 — — Loans held for sale 5,051 5,127 5,127 — — Loans, net of allowance for loan loss and unearned income 817,457 819,935 — — 819,935 Accrued interest income receivable 3,127 3,127 3,127 — — Bank owned life insurance 37,417 37,417 37,417 — — FINANCIAL LIABILITIES: Deposits with no stated maturities $ 568,625 $ 568,625 $ 568,625 $ — $ — Deposits with stated maturities 301,256 304,744 — — 304,744 Short-term borrowings 38,880 38,880 38,880 — — All other borrowings 55,085 59,256 — — 59,256 Accrued interest payable 1,706 1,706 1,706 — — The fair value of cash and cash equivalents, regulatory stock, accrued interest income receivable, short-term borrowings, and accrued interest payable are equal to the current carrying value. The fair value of investment securities is equal to the available quoted market price for similar securities. The fair value measurements consider observable data that may include dealer quoted market spreads, cash flows, the US Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things. The Level 3 securities are valued by discounted cash flows using the US Treasury rate for the remaining term of the securities. Loans held for sale are priced individually at market rates on the day that the loan is locked for commitment with an investor. All loans in the held for sale account conform to Fannie Mae underwriting guidelines, with the specific intent of the loan being purchased by an investor at the predetermined rate structure. Loans in the held for sale account have specific delivery dates that must be executed to protect the pricing commitment (typically a 30, 45, or 60 day lock period). The net loan portfolio has been valued using a present value discounted cash flow. The discount rate used in these calculations is based upon the treasury yield curve adjusted for non-interest operating costs, credit loss, current market prices and assumed prepayment risk. The fair value of bank owned life insurance is based upon the cash surrender value of the underlying policies and matches the book value. Deposits with stated maturities have been valued using a present value discounted cash flow with a discount rate approximating current market for similar assets and liabilities. Deposits with no stated maturities have an estimated fair value equal to both the amount payable on demand and the recorded book balance. The fair value of all other borrowings is based on the discounted value of contractual cash flows. The discount rates are estimated using rates currently offered for similar instruments with similar remaining maturities. Commitments to extend credit and standby letters of credit are financial instruments generally not subject to sale, and fair values are not readily available. The carrying value, represented by the net deferred fee arising from the unrecognized commitment, and the fair value, determined by discounting the remaining contractual fee over the term of the commitment using fees currently charged to enter into similar agreements with similar credit risk, are not considered material for disclosure. The contractual amounts of unfunded commitments are presented in Note 16. Changes in assumptions or estimation methodologies may have a material effect on these estimated fair values. The Company’s remaining assets and liabilities which are not considered financial instruments have not been valued differently than has been customary under historical cost accounting.

INCOME TAXES

INCOME TAXES	12 Months Ended
	Dec. 31, 2015
Income Tax Disclosure [Abstract]
Income Tax Disclosure [Text Block]	13. INCOME TAXES YEAR ENDED DECEMBER 31, 2015 2014 2013 (IN THOUSANDS) Current $ 1,455 $ 1,036 $ 139 Deferred 888 562 2,150 Income tax expense $ 2,343 $ 1,598 $ 2,289 The reconciliation between the federal statutory tax rate and the Company’s effective consolidated income tax rate is as follows: YEAR ENDED DECEMBER 31, 2015 2014 2013 AMOUNT RATE AMOUNT RATE AMOUNT RATE (IN THOUSANDS, EXCEPT PERCENTAGES) Income tax expense based on federal statutory rate $ 2,836 34.0 % $ 1,571 34.0 % $ 2,544 34.0 % Tax exempt income (574 ) (6.9 ) (274 ) (5.9 ) (359 ) (4.8 ) Other 81 1.0 301 6.5 104 1.4 Total expense for income taxes $ 2,343 28.1 % $ 1,598 34.6 % $ 2,289 30.6 % The following table highlights the major components comprising the deferred tax assets and liabilities for each of the periods presented: AT DECEMBER 31, 2015 2014 (IN THOUSANDS) DEFERRED TAX ASSETS: Allowance for loan losses $ 3,373 $ 3,272 Unfunded commitment reserve 298 300 Premises and equipment 1,602 1,433 Accrued pension obligation 1,658 2,358 Net operating loss carryforwards — 242 Alternative minimum tax credits 2,248 2,820 Other 487 349 Total tax assets 9,666 10,774 DEFERRED TAX LIABILITIES: Investment accretion (16 ) (25 ) Unrealized investment security gains (420 ) (950 ) Other (237 ) (251 ) Total tax liabilities (673 ) (1,226 ) Net deferred tax asset $ 8,993 $ 9,548 At December 31, 2015 and 2014, the Company had no valuation allowance established against its deferred tax assets as we believe the Company will generate sufficient future taxable income to fully utilize all net operating loss carryforwards and alternative minimum tax (AMT) credits. The change in net deferred tax assets and liabilities consist of the following: YEAR ENDED 2015 2014 (IN THOUSANDS) Unrealized gains recognized in comprehensive income $ 530 $ (404 ) Pension obligation of the defined benefit plan not yet recognized in income (197 ) 942 Deferred provision for income taxes (888 ) (562 ) Net decrease $ (555 ) $ (24 ) The Company has AMT credit carryforwards of approximately $2.2 million at December 31, 2015. These credits have an indefinite carryforward period. The Company has fully recognized all of its net operating loss carryforward in 2015. The Company utilizes a recognition threshold and a measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. Benefits from tax positions should be recognized in the financial statements only when it is more likely than not that the tax position will be sustained upon examination by the appropriate taxing authority that would have full knowledge of all relevant information. A tax position that meets the more-likely-than-not recognition threshold is measured at the largest amount of benefit that is greater than fifty percent likely of being realized upon ultimate settlement. Tax positions that previously failed to meet the more-likely-than-not recognition threshold should be recognized in the first subsequent financial reporting period in which that threshold is met. Previously recognized tax positions that no longer meet the more-likely-than-not recognition threshold should be derecognized in the first subsequent financial reporting period in which that threshold is no longer met. The Company has no tax liability for uncertain tax positions. The Company’s federal and state income tax returns for taxable years through 2012 have been closed for purposes of examination by the Internal Revenue Service and the Pennsylvania Department of Revenue.

EMPLOYEE BENEFIT PLANS

EMPLOYEE BENEFIT PLANS	12 Months Ended
	Dec. 31, 2015
Compensation and Retirement Disclosure [Abstract]
Pension and Other Postretirement Benefits Disclosure [Text Block]	14. EMPLOYEE BENEFIT PLANS PENSION PLANS: The Company has a noncontributory defined benefit pension plan covering all employees who work at least 1,000 hours per year. The participants shall have a vested interest in their accrued benefit after five full years of service. The benefits of the plan are based upon the employee’s years of service and average annual earnings for the highest five consecutive calendar years during the final ten year period of employment. Effective January 1, 2013, the Company implemented a soft freeze of its defined benefit pension plan for non-union employees. A soft freeze means that all existing employees as of December 31, 2012 will remain in the defined benefit pension plan but any new non-union employees hired after January 1, 2013 will no longer be part of the defined benefit plan but instead will be offered retirement benefits under an enhanced 401K program. The Company implemented a similar soft freeze of its defined benefit pension plan for union employees effective January 1, 2014. The Company executed these changes to help reduce its pension costs in future years. Plan assets are primarily debt securities (including U.S. Treasury and Agency securities, corporate notes and bonds), listed common stocks (including shares of the Company’s common stock valued at $666,000 and is limited to 10% of the plan’s assets), mutual funds, and short-term cash equivalent instruments. The following actuarial tables are based upon data provided by an independent third party as of December 31, 2015. PENSION BENEFITS: YEAR ENDED 2015 2014 (IN THOUSANDS) CHANGE IN BENEFIT OBLIGATION: Benefit obligation at beginning of year $ 33,701 $ 30,249 Service cost 1,557 1,601 Interest cost 1,341 1,368 Actuarial (gain) loss (1,063 ) 3,406 Curtailments — 328 Special/contractual termination benefits — 376 Benefits paid (2,419 ) (3,627 ) Benefit obligation at end of year 33,117 33,701 CHANGE IN PLAN ASSETS: Fair value of plan assets at beginning of year 27,367 26,288 Actual return on plan assets (154 ) 2,056 Employer contributions 3,635 2,650 Benefits paid (2,419 ) (3,627 ) Fair value of plan assets at end of year 28,429 27,367 Funded status of the plan – under funded $ (4,688 ) $ (6,334 ) YEAR ENDED 2015 2014 (IN THOUSANDS) AMOUNTS NOT YET RECOGNIZED AS A COMPONENT OF NET PERIODIC PENSION COST: Amounts recognized in accumulated other comprehensive loss consists of: Net actuarial loss $ 12,431 $ 12,596 Total $ 12,431 $ 12,596 YEAR ENDED 2015 2014 (IN THOUSANDS) ACCUMULATED BENEFIT OBLIGATION: Accumulated benefit obligation $ 30,606 $ 30,914 The weighted-average assumptions used to determine benefit obligations at December 31, 2015 and 2014 were as follows: YEAR ENDED 2015 2014 WEIGHTED AVERAGE ASSUMPTIONS: Discount rate 4.20 % 4.00 % Salary scale 2.50 2.50 YEAR ENDED DECEMBER 31, 2015 2014 2013 (IN THOUSANDS) COMPONENTS OF NET PERIODIC BENEFIT COST: Service cost $ 1,557 $ 1,601 $ 1,703 Interest cost 1,341 1,368 1,189 Expected return on plan assets (2,130 ) (1,991 ) (1,775 ) Amortization of prior year service cost — (19 ) (19 ) Amortization of transition asset — — (8 ) Special termination benefit liability — 376 — Recognized net actuarial loss 1,386 1,181 1,375 Net periodic pension cost $ 2,154 $ 2,516 $ 2,465 YEAR ENDED DECEMBER 31, 2015 2014 2013 (IN THOUSANDS) OTHER CHANGES IN PLAN ASSETS AND BENEFIT OBLIGATIONS RECOGNIZED IN OTHER COMPREHENSIVE LOSS Net (gain) loss $ 1,221 $ 3,669 $ (2,832 ) Recognized loss (1,386 ) (1,181 ) (1,375 ) Recognized prior service cost — 19 19 Recognized net initial asset — — 8 Total recognized in other comprehensive loss before tax effect $ (165) $ 2,507 $ (4,180 ) Total recognized in net benefit cost and other comprehensive loss before tax effect $ 1,989 $ 5,023 $ (1,715 ) The estimated net loss for the defined benefit pension plan that will be amortized from accumulated other comprehensive loss into net periodic benefit cost over the next year is $1,051,000. The weighted-average assumptions used to determine net periodic benefit cost for the years ended December 31, 2015, 2014 and 2013 were as follows: YEAR ENDED DECEMBER 31, 2015 2014 2013 WEIGHTED AVERAGE ASSUMPTIONS: Discount rate 4.00 % 4.50 % 4.00 % Expected return on plan assets 8.00 8.00 8.00 Rate of compensation increase 2.50 2.50 2.50 The Company has assumed an 8% long-term expected return on plan assets. This assumption was based upon the plan’s historical investment performance over a longer-term period of 15 years combined with the plan’s investment objective of balanced growth and income. Additionally, this assumption also incorporates a targeted range for equity securities of approximately 60% of plan assets. PLAN ASSETS: YEAR ENDED 2015 2014 ASSET CATEGORY: Cash and cash equivalents 6 % 2 % Domestic equities 7 10 Mutual funds/ETFs 75 80 International equities 1 3 Corporate bonds 11 5 Total 100 % 100 % YEAR ENDED DECEMBER 31, 2015 2014 (IN THOUSANDS) Level 1: Cash and cash equivalents $ 1,611 $ 639 Domestic equities 1,978 2,753 International equities 397 851 Mutual funds/ETFs 21,396 21,782 Level 2: Corporate bonds 3,047 1,342 Total fair value of plan assets $ 28,429 $ 27,367 Cash and cash equivalents may include uninvested cash balances along with money market mutual funds, treasury bills, or other assets normally categorized as cash equivalents. Domestic equities may include common or preferred stocks, covered options, rights or warrants, or American Depository Receipts which are traded on any U.S. equity market. Mutual funds/ETFs may include any equity, fixed income, balanced, international, or global mutual fund or exchange traded fund including any propriety fund managed by the Trust Company. Agencies may include any U.S. government agency security or asset-backed security. Collective investment funds may include equity, fixed income, or balanced collective investment funds managed by the Trust Company. Corporate bonds may include any corporate bond or note. The investment strategy objective for the pension plan is a balance of growth and income. This objective seeks to develop a portfolio for acceptable levels of current income together with the opportunity for capital appreciation. The balanced growth and income objective reflects a relatively equal balance between equity and fixed income investments such as debt securities. The allocation between equity and fixed income assets may vary by a moderate degree but the plan typically targets a range of equity investments between 50% and 60% of the plan assets. This means that fixed income and cash investments typically approximate 40% to 50% of the plan assets. The plan is also able to invest in ASRV common stock up to a maximum level of 10% of the market value of the plan assets (at December 31, 2015, 2.9% of the plan assets were invested in ASRV common stock). This asset mix is intended to ensure that there is a steady stream of cash from maturing investments to fund benefit payments. CASH FLOWS: The Company presently expects that the contribution to be made to the Plan in 2016 will be approximately $3.0 million. ESTIMATED FUTURE BENEFIT PAYMENTS: YEAR: ESTIMATED FUTURE BENEFIT PAYMENTS (IN THOUSANDS) 2016 $ 2,287 2017 2,417 2018 2,319 2019 2,215 2020 2,589 Years 2021 – 2025 11,706 401(k) PLAN: The Company maintains a qualified 401(k) plan that allows for participation by Company employees. Under the plan, employees may elect to make voluntary, pretax contributions to their accounts which the Company will match one half on the first 2% of contribution up to a maximum of 1%. The Company also contributes 4% of salaries for union members who are in the plan. Effective January 1, 2013, any new non-union employees receive a 4% non-elective contribution and these employees may elect to make voluntary, pretax contributions to their accounts which the Company will match one half on the first 6% of contribution up to a maximum of 3%. Effective January 1, 2014, any new union employees receive a 4% non-elective contribution and these employees may elect to make voluntary, pretax contributions to their accounts which the Company will match dollar for dollar up to a maximum of 4%. Contributions by the Company charged to operations were $433,000 and $387,000 for the years ended December 31, 2015 and 2014, respectively. The fair value of plan assets includes $1.4 million pertaining to the value of the Company’s common stock and Trust Preferred securities that are held by the plan at December 31, 2015. Except for the above benefit plans, the Company has no significant additional exposure for any other post-retirement or post-employment benefits.

LEASE COMMITMENTS

LEASE COMMITMENTS	12 Months Ended
	Dec. 31, 2015
Leases, Operating [Abstract]
Leases of Lessee Disclosure [Text Block]	15. LEASE COMMITMENTS YEAR: FUTURE MINIMUM LEASE PAYMENTS (IN THOUSANDS) 2016 $ 716 2017 520 2018 342 2019 223 2020 234 2021 and thereafter 1,739 In addition to the amounts set forth above, certain of the leases require payments by the Company for taxes, insurance, and maintenance. Rent expense included in total non-interest expense amounted to $821,000, $732,000 and $764,000, in 2015, 2014, and 2013, respectively.

COMMITMENTS AND CONTINGENT LIAB

COMMITMENTS AND CONTINGENT LIABILITIES	12 Months Ended
	Dec. 31, 2015
Commitments and Contingent Liabilities [Abstract]
Commitments and Contingencies Disclosure [Text Block]	16. COMMITMENTS AND CONTINGENT LIABILITIES The Company incurs off-balance sheet risks in the normal course of business in order to meet the financing needs of its customers. These risks derive from commitments to extend credit and standby letters of credit. Such commitments and standby letters of credit involve, to varying degrees, elements of credit risk in excess of the amount recognized in the consolidated financial statements. Commitments to extend credit are obligations to lend to a customer as long as there is no violation of any condition established in the loan agreement. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Because many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer’s creditworthiness on a case-by-case basis. Collateral which secures these types of commitments is the same as for other types of secured lending such as accounts receivable, inventory, and fixed assets. Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support public and private borrowing arrangements, including normal business activities, bond financings, and similar transactions. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loans to customers. Letters of credit are issued both on an unsecured and secured basis. Collateral securing these types of transactions is similar to collateral securing the Company’s commercial loans. The Company’s exposure to credit loss in the event of nonperformance by the other party to these commitments to extend credit and standby letters of credit is represented by their contractual amounts. The Company uses the same credit and collateral policies in making commitments and conditional obligations as for all other lending. At December 31, 2015, the Company had various outstanding commitments to extend credit approximating $170.5 million and standby letters of credit of $7.5 million, compared to commitments to extend credit of $188.0 million and standby letters of credit of $7.2 million at December 31, 2014. Standby letters of credit had terms ranging from 1 to 2 years with annual extension options available. Standby letters of credit of approximately $2.7 million were secured as of December 31, 2015 and approximately $3.3 million at December 31, 2014. The carrying amount of the liability for AmeriServ obligations related to unfunded commitments and standby letters of credit was $877,000 at December 31, 2015 and $882,000 at December 31, 2014. Pursuant to its bylaws, the Company provides indemnification to its directors and officers against certain liabilities incurred as a result of their service on behalf of the Company. In connection with this indemnification obligation, the Company can advance on behalf of covered individuals costs incurred in defending against certain claims. Additionally, the Company is also subject to a number of asserted and unasserted potential claims encountered in the normal course of business. In the opinion of the Company, neither the resolution of these claims nor the funding of these credit commitments will have a material adverse effect on the Company’s consolidated financial position, results of operation or cash flows.

PREFERRED STOCK

PREFERRED STOCK	12 Months Ended
	Dec. 31, 2015
Preferred Stock [Abstract]
Preferred Stock [Text Block]	17. PREFERRED STOCK SBLF: On August 11, 2011, pursuant to the Small Business Lending Fund (SBLF), the Company issued and sold to the US Treasury 21,000 shares of its Senior Non-Cumulative Perpetual Preferred Stock, Series E (Series E Preferred Stock) for the aggregate proceeds of $21 million. The SBLF was a voluntary program sponsored by the US Treasury that encouraged small business lending by providing capital to qualified community banks at favorable rates. The Company used the proceeds from the Series E Preferred Stock issued to the US Treasury to repurchase all 21,000 shares of its outstanding preferred shares previously issued to the US Treasury under the Capital Purchase Program. On January 27, 2016, we redeemed the Series E Preferred Stock, at a redemption price of 100% of the liquidation amount plus accrued but unpaid dividends, after receiving approval of our federal banking regulator and the US Treasury. For more information regarding this redemption see Note 26 Subsequent Event.

STOCK COMPENSATION PLANS

STOCK COMPENSATION PLANS	12 Months Ended
	Dec. 31, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Disclosure of Compensation Related Costs, Share-based Payments [Text Block]	18. STOCK COMPENSATION PLANS The Company uses the modified prospective method for accounting for stock-based compensation and recognized $29,000 of pretax compensation expense for the year 2015, $42,000 in 2014 and $82,000 in 2013. During 2011, the Company’s Board adopted, and its shareholders approved, the AmeriServ Financial, Inc. 2011 Stock Incentive Plan (the Plan) authorizing the grant of options or restricted stock covering 800,000 shares of common stock. This Plan replaced the expired 2001 Stock Option Plan. Under the Plan, options or restricted stock can be granted (the Grant Date) to directors, officers, and employees that provide services to the Company and its affiliates, as selected by the compensation committee of the Board. The option price at which a granted stock option may be exercised was not less than 100% of the fair market value per share of common stock on the Grant Date. The maximum term of any option granted under the Plan cannot exceed 10 years. Generally, options vest over a three year period and become exercisable in equal installments over the vesting period. At times, options with a one year vesting period may also be issued. A summary of the status of the Company’s Stock Incentive Plan at December 31, 2015, 2014, and 2013, and changes during the years then ended is presented in the table and narrative following: YEAR ENDED DECEMBER 31, 2015 2014 2013 SHARES WEIGHTED SHARES WEIGHTED SHARES WEIGHTED Outstanding at beginning of year 559,909 $ 2.66 487,349 $ 2.55 398,371 $ 2.43 Granted 32,500 2.96 115,000 3.18 102,445 3.19 Exercised (75,923 ) 2.07 (10,700 ) 2.25 (3,467 ) 1.81 Forfeited (46,037 ) 3.04 (31,740 ) 3.08 (10,000 ) 4.25 Outstanding at end of year 470,449 2.74 559,909 2.66 487,349 2.55 Exercisable at end of year 336,555 2.58 330,822 2.36 257,253 2.25 Weighted average fair value of options granted in current year $ 0.67 $ 0.85 $ 0.83 A total of 336,555 of the 470,449 options outstanding at December 31, 2015, are exercisable and have exercise prices between $1.53 and $4.70, with a weighted average exercise price of $2.58 and a weighted average remaining contractual life of 5.79 years. All of these options are exercisable. The remaining 133,894 options that are not yet exercisable have exercise prices between $2.96 and $3.23, with a weighted average exercise price of $3.13 and a weighted average remaining contractual life of 8.30 years. The fair value of each option grant is estimated on the date of grant using the Black-Scholes option pricing model with the following assumptions used for grants in 2015, 2014, and 2013. YEAR ENDED DECEMBER 31, BLACK-SCHOLES ASSUMPTION RANGES 2015 2014 2013 Risk-free interest rate 1.97% 2.43 – 2.74% 1.82 – 1.03% Expected lives in years 10 10 10 Expected volatility 22% 28 – 29% 30 – 32% Expected dividend rate 1.35% 1.25 – 1.30% 1.30%

ACCUMULATED OTHER COMPREHENSIVE

ACCUMULATED OTHER COMPREHENSIVE LOSS	12 Months Ended
	Dec. 31, 2015
Accumulated Comprehensive Loss [Abstract]
Comprehensive Income (Loss) Note [Text Block]	19. ACCUMULATED OTHER COMPREHENSIVE LOSS The following table presents the changes in each component of accumulated other comprehensive loss, net of tax, for the periods ending December 31, 2015 and 2014 (in thousands): YEAR ENDING DECEMBER 31, 2015 YEAR ENDING DECEMBER 31, 2014 Net (1) Defined (1) Total (1) Net (1) Defined (1) Total (1) Beginning balance $ 1,843 $ (8,745 ) $ (6,902 ) $ 1,043 $ (6,918 ) $ (5,875 ) Other comprehensive income (loss) before reclassifications (989 ) (242 ) (1,231 ) 917 (2,354 ) (1,437 ) Amounts reclassified from accumulated other comprehensive loss (46 ) 624 578 (117 ) 527 410 Net current period other comprehensive income (loss) (1,035 ) 382 (653 ) 800 (1,827 ) (1,027 ) Ending balance $ 808 $ (8,363 ) $ (7,555 ) $ 1,843 $ (8,745 ) $ (6,902 ) (1) Amounts in parentheses indicate debits on the Consolidated Balance Sheets. The following table presents the amounts reclassified out of each component of accumulated other comprehensive loss for the periods ending December 31, 2015 and 2014 (in thousands): Amount reclassified from (1) Details about accumulated other comprehensive loss components YEAR ENDING YEAR ENDING Affected line item in the Unrealized gains and losses on sale of securities $ (71 ) $ (177 ) Net realized gains on investment securities 25 60 Provision for income taxes $ (46 ) $ (117 ) Net of tax Amortization of defined benefit items (2) Recognized net actuarial loss $ 946 $ 813 Salaries and employee benefits Prior service cost — (14 ) Salaries and employee benefits 946 799 Pretax income (322 ) (272 ) Provision for income taxes $ 624 $ 527 Net income Total reclassifications for the period $ 578 $ 410 Net income (1) Amounts in parentheses indicate credits. (2) These accumulated other comprehensive loss components are included in the computation of net periodic benefit cost (see Note 14 for additional details).

INTANGIBLE ASSETS

INTANGIBLE ASSETS	12 Months Ended
	Dec. 31, 2015
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and Intangible Assets Disclosure [Text Block]	20. INTANGIBLE ASSETS The Company’s Consolidated Balance Sheets show both tangible assets (such as loans, buildings, and investments) and intangible assets (such as goodwill). Goodwill has an indefinite life and is not amortized. Instead such intangible is evaluated for impairment at the reporting unit level at least annually. Any resulting impairment would be reflected as a non-interest expense. Of the Company’s goodwill of $11.9 million, $9.5 million is allocated to the retail banking segment and $2.4 million relates to the WCCA acquisition which is included in the trust segment. In the third quarter of 2014, the Company performed a goodwill impairment test and determined that the fair value of WCCA was less than its carrying value and, accordingly, recorded an impairment charge of $669,000. The goodwill impairment charge was the result of a reduction in earnings power caused by the departure of WCCA’s former CEO and subsequent loss of a meaningful number of clients. A reconciliation of the Company’s goodwill follows (in thousands): AT DECEMBER 31, 2015 2014 Balance at January 1 $ 11,944 $ 12,613 Goodwill impairment charge — (669 ) Balance at December 31 $ 11,944 $ 11,944

DERIVATIVE HEDGING INSTRUMENTS

DERIVATIVE HEDGING INSTRUMENTS	12 Months Ended
	Dec. 31, 2015
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Instruments and Hedging Activities Disclosure [Text Block]	21. DERIVATIVE HEDGING INSTRUMENTS The Company can use various interest rate contracts, such as interest rate swaps, caps, floors and swaptions to help manage interest rate and market valuation risk exposure, which is incurred in normal recurrent banking activities. The Company can use derivative instruments, primarily interest rate swaps, to manage interest rate risk and match the rates on certain assets by hedging the fair value of certain fixed rate debt, which converts the debt to variable rates and by hedging the cash flow variability associated with certain variable rate debt by converting the debt to fixed rates. The following table summarizes the interest rate swap transactions that impacted the Company’s 2013 performance: START DATE MATURITY DATE HEDGE TYPE NOTIONAL RATE RECEIVED RATE PAID REPRICING INCREASE 12/12/08 09/24/13 FAIR VALUE $ 9,000,000 5.25% 2.73% MONTHLY $ 165,488 12/12/08 09/24/13 FAIR VALUE 9,000,000 2.73 5.25 MONTHLY (165,488 ) $ — The Company monitors and controls all derivative products with a comprehensive Board of Director approved hedging policy. This policy permits a total maximum notional amount outstanding of $500 million for interest rate swaps, interest rate caps/floors, and swaptions. All hedge transactions must be approved in advance by the Investment Asset/Liability Committee (ALCO) of the Board.

SEGMENT RESULTS

SEGMENT RESULTS	12 Months Ended
	Dec. 31, 2015
Segment Results [Abstract]
Segment Reporting Disclosure [Text Block]	22. SEGMENT RESULTS The financial performance of the Company is also monitored by an internal funds transfer pricing profitability measurement system which produces line of business results and key performance measures. The Company’s major business units include retail banking, commercial banking, trust, and investment/parent. The reported results reflect the underlying economics of the business segments. Expenses for centrally provided services are allocated based upon the cost and estimated usage of those services. The businesses are match-funded and interest rate risk is centrally managed and accounted for within the investment/parent business segment. The key performance measure the Company focuses on for each business segment is net income contribution. Retail banking includes the deposit-gathering branch franchise and lending to both individuals and small businesses. Lending activities include residential mortgage loans, direct consumer loans, and small business commercial loans. Commercial banking to businesses includes commercial loans, and CRE loans. The trust segment contains our wealth management businesses which include the Trust Company, WCCA, our registered investment advisory firm and financial services. Wealth management includes personal trust products and services such as personal portfolio investment management, estate planning and administration, custodial services and pre-need trusts. Also, institutional trust products and services such as 401(k) plans, defined benefit and defined contribution employee benefit plans, and individual retirement accounts are included in this segment. Financial services include the sale of mutual funds, annuities, and insurance products. The wealth management businesses also includes the union collective investment funds, namely the ERECT and BUILD funds which are designed to use union pension dollars in construction projects that utilize union labor. The investment/parent includes the net results of investment securities and borrowing activities, general corporate expenses not allocated to the business segments, interest expense on guaranteed junior subordinated deferrable interest debentures, and centralized interest rate risk management. Inter-segment revenues were not material. YEAR ENDED DECEMBER 31, 2015 RETAIL BANKING COMMERCIAL BANKING TRUST INVESTMENT/ PARENT TOTAL (IN THOUSANDS) Net interest income $ 20,680 $ 18,390 $ 58 $ (3,767) $ 35,361 Provision for loan loss 192 1,058 — — 1,250 Non-interest income 5,537 552 8,683 495 15,267 Non-interest expense 21,849 10,303 6,606 2,280 41,038 Income (loss) before income taxes 4,176 7,581 2,135 (5,552 ) 8,340 Income tax expense (benefit) 1,160 2,167 726 (1,710 ) 2,343 Net income (loss) $ 3,016 $ 5,414 $ 1,409 $ (3,842) $ 5,997 Total assets $ 415,433 $ 589,840 $ 5,263 $ 138,386 $ 1,148,922 YEAR ENDED DECEMBER 31, 2014 RETAIL BANKING COMMERCIAL BANKING TRUST INVESTMENT/ PARENT TOTAL (IN THOUSANDS) Net interest income $ 20,141 $ 16,777 $ 47 $ (2,921 ) $ 34,044 Provision for loan loss 57 318 — — 375 Non-interest income 5,633 381 8,118 191 14,323 Non-interest expense 22,531 10,868 6,967 3,005 43,371 Income (loss) before income taxes 3,186 5,972 1,198 (5,735 ) 4,621 Income tax expense (benefit) 958 1,819 634 (1,813 ) 1,598 Net income (loss) $ 2,228 $ 4,153 $ 564 $ (3,922 ) $ 3,023 Total assets $ 376,009 $ 563,690 $ 5,015 $ 144,549 $ 1,089,263 YEAR ENDED DECEMBER 31, 2013 RETAIL BANKING COMMERCIAL BANKING TRUST INVESTMENT/ PARENT TOTAL (IN THOUSANDS) Net interest income $ 20,223 $ 15,687 $ 35 $ (3,084 ) $ 32,861 Credit provision for loan loss (92 ) (1,008 ) — — (1,100 ) Non-interest income 6,512 642 8,391 199 15,744 Non-interest expense 22,870 10,148 6,605 2,600 42,223 Income (loss) before income taxes 3,957 7,189 1,821 (5,485 ) 7,482 Income tax expense (benefit) 1,165 2,166 619 (1,661 ) 2,289 Net income (loss) $ 2,792 $ 5,023 $ 1,202 $ (3,824 ) $ 5,193 Total assets $ 347,823 $ 545,556 $ 4,722 $ 157,935 $ 1,056,036

REGULATORY CAPITAL

REGULATORY CAPITAL	12 Months Ended
	Dec. 31, 2015
Regulatory Capital [Abstract]
Regulatory Capital Requirements under Banking Regulations [Text Block]	23. REGULATORY CAPITAL The Company is subject to various capital requirements administered by the federal banking agencies. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company must meet specific capital guidelines that involve quantitative measures of the Company’s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Company’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements. Quantitative measures established by regulation to ensure capital adequacy require the Company to maintain minimum amounts and ratios (set forth in the table below) of total and Tier I capital to risk-weighted assets, and of Tier I capital to average assets. As of December 31, 2015 and 2014, the Federal Reserve categorized the Company as Well Capitalized under the regulatory framework for prompt corrective action. The Company believes that no conditions or events have occurred that would change this conclusion. To be categorized as well capitalized, the Company must maintain minimum total risk-based, Tier I risk-based, and Tier I leverage ratios as set forth in the table. Additionally, while not a regulatory capital ratio, the Company’s tangible common equity ratio was 7.57% and 7.56% for 2015 and 2014, respectively. AT DECEMBER 31, 2015 COMPANY BANK MINIMUM TO BE WELL AMOUNT RATIO AMOUNT RATIO RATIO RATIO (IN THOUSANDS, EXCEPT RATIOS) Total Capital (To Risk Weighted Assets) $ 144,096 15.55 % $ 106,890 11.67 % 8.00 % 10.00 % Tier 1 Common Equity (To Risk Weighted Assets) 93,202 10.06 96,092 10.49 4.50 6.50 Tier 1 Capital (To Risk Weighted Assets) 125,648 13.56 96,092 10.49 6.00 8.00 Tier 1 Capital (To Average Assets) 125,648 11.41 96,092 8.97 4.00 5.00 AT DECEMBER 31, 2014 COMPANY BANK MINIMUM TO BE WELL AMOUNT RATIO AMOUNT RATIO RATIO RATIO (IN THOUSANDS, EXCEPT RATIOS) Total Capital (To Risk Weighted Assets) $ 131,497 14.80 % $ 106,084 12.07 % 8.00 % 10.00 % Tier 1 Common Equity (To Risk Weighted Assets) — — — — — — Tier 1 Capital (To Risk Weighted Assets) 120,992 13.62 95,579 10.88 4.00 6.00 Tier 1 Capital (To Average Assets) 120,992 11.34 95,579 9.19 4.00 5.00 * Applies to the Bank only. On July 2, 2013, the Federal Reserve approved final rules that substantially amend the regulatory risk-based capital rules applicable to the Company and the Bank. The final rules implement the “Basel III” regulatory capital reforms, as well as certain changes required by the Dodd-Frank Act, which will require institutions to, among other things, have more capital and a higher quality of capital by increasing the minimum regulatory capital ratios, and requiring capital buffers. The new rules became effective for the Company on January 1, 2015, with an implementation period that stretches to 2019. For a more detailed discussion see the Capital Resources section of the MD&A.

PARENT COMPANY FINANCIAL INFORM

PARENT COMPANY FINANCIAL INFORMATION	12 Months Ended
	Dec. 31, 2015
Condensed Financial Information of Parent Company Only Disclosure [Abstract]
Condensed Financial Information of Parent Company Only Disclosure [Text Block]	24. PARENT COMPANY FINANCIAL INFORMATION The parent company functions primarily as a coordinating and servicing unit for all subsidiary entities. Provided services include general management, accounting and taxes, loan review, internal auditing, investment advisory, marketing, insurance risk management, general corporate services, and financial and strategic planning. The following financial information relates only to the parent company operations: BALANCE SHEETS AT DECEMBER 31, 2015 2014 (IN THOUSANDS) ASSETS Cash $ 100 $ 100 Short-term investments in money market funds 21,793 5,784 Investment securities available for sale 8,484 11,714 Equity investment in banking subsidiary 100,726 100,473 Equity investment in non-banking subsidiaries 6,007 5,685 Guaranteed junior subordinated deferrable interest debenture issuance costs 193 209 Subordinated debt issuance costs 232 — Other assets 3,197 4,698 TOTAL ASSETS $ 140,732 $ 128,663 LIABILITIES Guaranteed junior subordinated deferrable interest debentures $ 13,085 $ 13,085 Subordinated debt 7,650 — Other liabilities 1,024 1,171 TOTAL LIABILITIES 21,759 14,256 STOCKHOLDERS’ EQUITY Total stockholders’ equity 118,973 114,407 TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY $ 140,732 $ 128,663 STATEMENTS OF OPERATIONS YEAR ENDED DECEMBER 31, 2015 2014 2013 (IN THOUSANDS) INCOME Inter-entity management and other fees $ 2,432 $ 2,432 $ 2,355 Dividends from banking subsidiary 5,100 1,500 5,500 Dividends from non-banking subsidiaries 975 870 675 Interest, dividend and other income 669 262 243 TOTAL INCOME 9,176 5,064 8,773 EXPENSE Interest expense 1,125 1,121 1,121 Salaries and employee benefits 2,302 2,576 2,502 Other expense 1,563 1,996 1,608 TOTAL EXPENSE 4,990 5,693 5,231 INCOME (LOSS) BEFORE INCOME TAXES AND EQUITY IN UNDISTRIBUTED EARNINGS OF SUBSIDIARIES 4,187 (629 ) 3,542 Benefit for income taxes 642 1,020 895 Equity in undistributed earnings of subsidiaries 1,168 2,632 756 NET INCOME $ 5,997 $ 3,023 $ 5,193 COMPREHENSIVE INCOME $ 5,344 $ 1,996 $ 4,697 STATEMENTS OF CASH FLOWS YEAR ENDED DECEMBER 31, 2015 2014 2013 (IN THOUSANDS) OPERATING ACTIVITIES Net income $ 5,997 $ 3,023 $ 5,193 Adjustment to reconcile net income to net cash (used in) provided by operating activities: Equity in undistributed earnings of subsidiaries (1,168 ) (2,632 ) (756 ) Stock compensation expense 29 42 82 Other – net 842 (505 ) (718 ) NET CASH PROVIDED BY (USED IN) OPERATING ACTIVITIES 5,700 (72 ) 3,801 INVESTING ACTIVITIES Purchase of investment securities – available for sale (1,533 ) (2,027 ) (3,885 ) Proceeds from maturity of investment securities – available for sale 4,669 2,284 2,506 Proceeds from life insurance policies 719 — — NET CASH PROVIDED BY (USED IN) INVESTING ACTIVITIES 3,855 257 (1,379 ) FINANCING ACTIVITIES Purchase of treasury stock — — (1,171 ) Subordinated debt issuance, net 7,418 — — Preferred stock dividends paid (210 ) (210 ) (209 ) Common stock dividends paid (754 ) (752 ) (566 ) NET CASH PROVIDED BY (USED IN) FINANCING ACTIVITIES 6,454 (962 ) (1,946 ) NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS 16,009 (777 ) 476 CASH AND CASH EQUIVALENTS AT JANUARY 1 5,884 6,661 6,185 CASH AND CASH EQUIVALENTS AT DECEMBER 31 $ 21,893 $ 5,884 $ 6,661 The ability of the subsidiary Bank to upstream cash to the parent company is restricted by regulations. Federal law prevents the parent company from borrowing from its subsidiary Bank unless the loans are secured by specified assets. Further, such secured loans are limited in amount to ten percent of the subsidiary Bank’s capital and surplus. In addition, the Bank is subject to legal limitations on the amount of dividends that can be paid to its shareholder. The dividend limitation generally restricts dividend payments to a bank’s retained net income for the current and preceding two calendar years. Cash may also be upstreamed to the parent company by the subsidiaries as an inter-entity management fee. The subsidiary Bank had a combined $109,300,000 of restricted surplus and retained earnings at December 31, 2015.

SELECTED QUARTERLY CONSOLIDATED

SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA	12 Months Ended
	Dec. 31, 2015
Quarterly Financial Information Disclosure [Abstract]
Quarterly Financial Information [Text Block]	25. SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA (unaudited) The following table sets forth certain unaudited quarterly consolidated financial data regarding the Company: 2015 QUARTER ENDED DEC. 31 SEPT. 30 JUNE 30 MARCH 31 (IN THOUSANDS, EXCEPT PER SHARE DATA) Interest income $ 10,282 $ 10,667 $ 10,409 $ 10,523 Interest expense 1,690 1,632 1,609 1,589 Net interest income 8,592 9,035 8,800 8,934 Provision for loan losses 500 300 200 250 Net interest income after provision for loan 8,092 8,735 8,600 8,684 Non-interest income 3,848 4,015 3,692 3,712 Non-interest expense 10,170 10,219 10,239 10,410 Income before income taxes 1,770 2,531 2,053 1,986 Provision for income taxes 396 698 632 617 Net income $ 1,374 $ 1,833 $ 1,421 $ 1,369 Basic earnings per common share $ 0.07 $ 0.09 $ 0.07 $ 0.07 Diluted earnings per common share 0.07 0.09 0.07 0.07 Cash dividends declared per common share 0.01 0.01 0.01 0.01 2014 QUARTER ENDED DEC. 31 SEPT. 30 JUNE 30 MARCH 31 (IN THOUSANDS, EXCEPT PER SHARE DATA) Interest income $ 10,344 $ 10,019 $ 9,983 $ 10,095 Interest expense 1,612 1,616 1,599 1,570 Net interest income 8,732 8,403 8,384 8,525 Provision (credit) for loan losses 375 — — — Net interest income after provision (credit) for loan losses 8,357 8,403 8,384 8,525 Non-interest income 3,560 3,593 3,638 3,532 Non-interest expense 10,770 11,243 10,620 10,738 Income before income taxes 1,147 753 1,402 1,319 Provision for income taxes 398 388 423 389 Net income $ 749 $ 365 $ 979 $ 930 Basic earnings per common share $ 0.04 $ 0.02 $ 0.05 $ 0.05 Diluted earnings per common share 0.04 0.02 0.05 0.05 Cash dividends declared per common share 0.01 0.01 0.01 0.01

SUBSEQUENT EVENT

SUBSEQUENT EVENT	12 Months Ended
	Dec. 31, 2015
Subsequent Events [Abstract]
Subsequent Events [Text Block]	26. SUBSEQUENT EVENT On January 27, 2016, the Company redeemed all 21,000 preferred stock shares issued under the Small Business Lending Fund of the U.S. Department of the Treasury (SBLF). The Company received approval from the Board of Governors of the Federal Reserve System and the U.S. Department of Treasury to fully redeem the noncumulative perpetual preferred stock that had been issued to the U.S. Department of Treasury on August 11, 2011 in connection with the Company’s participation in the SBLF program. The shares were redeemed at $1,000 per share plus accrued dividends for a total redemption price of approximately $21 million. The redemption was funded from the previously disclosed issuance of $7.65 million of subordinated debt and $13.4 million of cash and securities on hand. Following the redemption, the Company has no preferred shares outstanding. The Company continues to have capital in excess of minimum regulatory requirements and at levels that qualify as “well capitalized” under applicable regulatory guidelines. Under the program, the Company was able to leverage the funds to lend an additional $192 million in loans to small businesses.

SUMMARY OF SIGNIFICANT ACCOUN35

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 2015
Accounting Policies [Abstract]
Business And Nature Of Operations [Policy Text Block]	BUSINESS AND NATURE OF OPERATIONS: AmeriServ Financial, Inc. (the Company) is a bank holding company, headquartered in Johnstown, Pennsylvania. Through its banking subsidiary the Company operates 17 banking locations in five southwestern Pennsylvania counties. These branches provide a full range of consumer, mortgage, and commercial financial products. The AmeriServ Trust and Financial Services Company (Trust Company) offers a complete range of trust and financial services and administers assets valued at approximately $2.0 billion that are not recognized on the Company’s Consolidated Balance Sheet at December 31, 2015.
Consolidation, Policy [Policy Text Block]	PRINCIPLES OF CONSOLIDATION: The consolidated financial statements include the accounts of AmeriServ Financial, Inc. and its wholly-owned subsidiaries, AmeriServ Financial Bank (the Bank), Trust Company, and AmeriServ Life Insurance Company (AmeriServ Life). The Bank is a state-chartered full service bank with 17 locations in Pennsylvania. AmeriServ Life is a captive insurance company that engages in underwriting as a reinsurer of credit life and disability insurance. Intercompany accounts and transactions have been eliminated in preparing the Consolidated Financial Statements. The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America (generally accepted accounting principles, or GAAP) requires management to make estimates and assumptions that affect the amounts reported in the Consolidated Financial Statements and accompanying notes. Actual results may differ from these estimates and the differences may be material to the Consolidated Financial Statements. The Company’s most significant estimates relate to the allowance for loan losses, goodwill, income taxes, investment securities, pension, and the fair value of financial instruments.
Investment, Policy [Policy Text Block]	INVESTMENT SECURITIES: Securities are classified at the time of purchase as investment securities held to maturity if it is management’s intent and the Company has the ability to hold the securities until maturity. These held to maturity securities are carried on the Company’s books at cost, adjusted for amortization of premium and accretion of discount which is computed using the level yield method which approximates the effective interest method. Alternatively, securities are classified as available for sale if it is management’s intent at the time of purchase to hold the securities for an indefinite period of time and/or to use the securities as part of the Company’s asset/liability management strategy. Securities classified as available for sale include securities which may be sold to effectively manage interest rate risk exposure, prepayment risk, and other factors (such as liquidity requirements). These available for sale securities are reported at fair value with unrealized aggregate appreciation/depreciation excluded from income and credited/charged to accumulated other comprehensive income/loss within stockholders’ equity on a net of tax basis. Any securities classified as trading assets are reported at fair value with unrealized aggregate appreciation/depreciation included in income on a net of tax basis. The Company does not engage in trading activity. Realized gains or losses on securities sold are computed upon the adjusted cost of the specific securities sold. Available-for-sale and held-to-maturity securities are reviewed quarterly for possible other-than-temporary impairment. The review includes an analysis of the facts and circumstances of each individual investment such as the severity of loss, the length of time the fair value has been below cost, the expectation for that security’s performance, the creditworthiness of the issuer and the Company’s intent and ability to hold the security to recovery. The Company believes the unrealized losses are primarily a result of increases in market yields from the time of purchase. In general, as market yields rise, the value of securities will decrease; as market yields fall, the fair value of securities will increase. Management generally views changes in fair value caused by changes in interest rates as temporary; therefore, these securities have not been classified as other-than-temporarily impaired. Management has also concluded that based on current information we expect to continue to receive scheduled interest payments as well as the entire principal balance. Furthermore, management does not intend to sell these securities and does not believe it will be required to sell these securities before they recover in value.
Federal Home Loan Bank Stock [Policy Text Block]	FEDERAL HOME LOAN BANK STOCK: The Bank is a member of the Federal Home Loan Bank of Pittsburgh (FHLB) and as such, is required to maintain a minimum investment in stock of the FHLB that varies with the level of advances outstanding with the FHLB. The stock is bought from and sold to the FHLB based upon its $100 par value. The stock does not have a readily determinable fair value and as such is classified as restricted stock, carried at cost and evaluated for by management. The stock’s value is determined by the ultimate recoverability of the par value rather than by recognizing temporary declines. The determination of whether the par value will ultimately be recovered is influenced by criteria such as the following: (a) The significance of the decline in net assets of the FHLB as compared to the capital stock amount and the length of time any such situation has persisted (b) Commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance (c) The impact of legislative and regulatory changes on the customer base of FHLB and (d) The liquidity position of the FHLB. Management evaluated the stock and concluded that the stock was not impaired for the periods presented herein.
Finance, Loan and Lease Receivables, Held-for-investment, Policy [Policy Text Block]	LOANS: Interest income is recognized using the level yield method related to principal amounts outstanding. The Company discontinues the accrual of interest income when loans become 90 days past due in either principal or interest. In addition, if circumstances warrant, the accrual of interest may be discontinued prior to 90 days. Payments received on non-accrual loans are credited to principal until full recovery of principal has been recognized; or the loan has been returned to accrual status. The only exception to this policy is for residential mortgage loans wherein interest income is recognized on a cash basis as payments are received. A non-accrual commercial loan is placed on accrual status after becoming current and remaining current for twelve consecutive payments. Residential mortgage loans are placed on accrual status upon becoming current.
Loans and Leases Receivable, Origination Fees, Discounts or Premiums, and Direct Costs to Acquire Loans Policy [Policy Text Block]	LOAN FEES: Loan origination and commitment fees, net of associated direct costs, are deferred and amortized into interest and fees on loans over the loan or commitment period. Fee amortization is determined by the effective interest method.
Finance, Loan and Lease Receivables, Held-for-sale, Policy [Policy Text Block]	LOANS HELD FOR SALE: Certain newly originated fixed-rate residential mortgage loans are classified as held for sale, because it is management’s intent to sell these residential mortgage loans. The residential mortgage loans held for sale are carried at the lower of aggregate cost or market value.
Fair Value Transfer, Policy [Policy Text Block]	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 Company; (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets; and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
Property, Plant and Equipment, Policy [Policy Text Block]	PREMISES AND EQUIPMENT: Premises and equipment are stated at cost less accumulated depreciation and amortization. Land is carried at cost. Depreciation is charged to operations over the estimated useful lives of the premises and equipment using the straight-line method with a half-year convention. Useful lives of up to 30 years for buildings and up to 10 years for equipment are utilized. Leasehold improvements are amortized using the straight-line method over the terms of the respective leases or useful lives of the improvements, whichever is shorter. Maintenance, repairs, and minor alterations are charged to current operations as expenditures are incurred.
Finance, Loan and Lease Receivables, Held-for-investment, Allowance and Nonperforming Loans, Policy [Policy Text Block]	ALLOWANCE FOR LOAN LOSSES AND CHARGE-OFF PROCEDURES: As a financial institution, which assumes lending and credit risks as a principal element of its business, the Company anticipates that credit losses will be experienced in the normal course of business. Accordingly, the Company consistently applies a comprehensive methodology and procedural discipline to perform an analysis which is updated on a quarterly basis at the Bank level to determine both the adequacy of the allowance for loan losses and the necessary provision for loan losses to be charged against earnings. This methodology includes: — Review of all criticized, classified and impaired loans with aggregate balances over $250,000 to determine if any specific reserve allocations are required on an individual loan basis. All required specific reserve allocations are based on careful analysis of the loan’s performance, the related collateral value, cash flow considerations and the financial capability of any guarantor. All loans classified as doubtful or worse are specifically reserved. For impaired loans the measurement of impairment may be based upon: 1) the present value of expected future cash flows discounted at the loan’s effective interest rate; 2) the observable market price of the impaired loan; or 3) the fair value of the collateral of a collateral dependent loan. — The application of formula driven reserve allocations for all commercial and commercial real-estate loans by using a three-year migration analysis of net losses incurred within each risk grade for the entire commercial loan portfolio. The difference between estimated and actual losses is reconciled through the nature of the migration analysis. — The application of formula driven reserve allocations to consumer and residential mortgage loans which are based upon historical net charge-off experience for those loan types. The residential mortgage loan and consumer loan allocations are based upon the Company’s three-year historical average of actual loan net charge-offs experienced in each of those categories. — The application of formula driven reserve allocations to all outstanding loans is based upon review of historical losses and qualitative factors, which include but are not limited to, economic trends, delinquencies, levels of non-accrual and TDR loans, concentrations of credit, trends in loan volume, experience and depth of management, examination and audit results, effects of any changes in lending policies and trends in policy, financial information and documentation exceptions. — Management recognizes that there may be events or economic factors that have occurred affecting specific borrowers or segments of borrowers that may not yet be fully reflected in the information that the Company uses for arriving at reserves for a specific loan or portfolio segment. Therefore, the Company believes that there is estimation risk associated with the use of specific and formula driven allowances. After completion of this process, a formal meeting of the Loan Loss Reserve Committee is held to evaluate the adequacy of the reserve. When it is determined that the prospects for recovery of the principal of a loan have significantly diminished, the loan is charged against the allowance account; subsequent recoveries, if any, are credited to the allowance account. In addition, non-accrual and large delinquent loans are reviewed monthly to determine potential losses. The Company’s policy is to individually review, as circumstances warrant, its commercial and commercial mortgage loans to determine if a loan is impaired. At a minimum, credit reviews are mandatory for all commercial and commercial mortgage loan relationships with aggregate balances in excess of $250,000 within a 12-month period. The Company defines classified loans as those loans rated substandard or doubtful. The Company has also identified three pools of small dollar value homogeneous loans which are evaluated collectively for impairment. These separate pools are for small business relationships with aggregate balances of $250,000 or less, residential mortgage loans and consumer loans. Individual loans within these pools are reviewed and evaluated for specific impairment if factors such as significant delinquency in payments of 90 days or more, bankruptcy, or other negative economic concerns indicate impairment.
Off-Balance-Sheet Credit Exposure, Policy [Policy Text Block]	ALLOWANCE FOR UNFUNDED LOAN COMMITMENTS AND LETTERS OF CREDIT: The allowance for unfunded loan commitments and letters of credit is maintained at a level believed by management to be sufficient to absorb estimated losses related to these unfunded credit facilities. The determination of the adequacy of the allowance is based on periodic evaluations of the unfunded credit facilities including an assessment of the probability of commitment usage, credit risk factors for loans outstanding to these same customers and the terms and expiration dates of the unfunded credit facilities. Net adjustments to the allowance for unfunded loan commitments and letters of credit are provided for in the unfunded commitment reserve expense line item within other expense in the Consolidated Statements of Operations and a separate reserve is recorded within the other liabilities section of the Consolidated Balance Sheets.
Revenue Recognition, Services, Management Fees [Policy Text Block]	TRUST FEES: Trust fees are recorded on the cash basis which approximates the accrual basis for such income.
Life Settlement Contracts, Policy [Policy Text Block]	BANK-OWNED LIFE INSURANCE: The Company has purchased life insurance policies on certain employees. These policies are recorded on the Consolidated Balance Sheets at their cash surrender value, or the amount that can be realized. Income from these policies and changes in the cash surrender value are recorded in bank owned life insurance within non-interest income.
Goodwill and Intangible Assets, Policy [Policy Text Block]	INTANGIBLE ASSETS: Goodwill Goodwill arising from business combinations represents the value attributable to unidentifiable intangible elements in the business acquired. The Company accounts for goodwill using a two-step process for testing the impairment of goodwill on at least an annual basis. This approach could cause more volatility in the Company’s reported net income because impairment losses, if any, could occur irregularly and in varying amounts. The Company performs an impairment analysis of goodwill at least annually.
Earnings Per Share, Policy [Policy Text Block]	EARNINGS PER COMMON SHARE: Basic earnings per share include only the weighted average common shares outstanding. Diluted earnings per share include the weighted average common shares outstanding and any potentially dilutive common stock equivalent shares in the calculation. Treasury shares are treated as retired for earnings per share purposes. Options to purchase 58,788, 3,625, and 103,570 shares of common stock were outstanding during 2015, 2014 and 2013, respectively, but were not included in the computation of diluted earnings per common share because to do so would be anti-dilutive. Exercise prices of anti-dilutive options to purchase common stock outstanding were $3.23 – $4.70, $4.60 – $5.22, and $3.05 – $5.75 during 2015, 2014 and 2013, respectively. Dividends on preferred shares are deducted from net income in the calculation of earnings per common share. YEAR ENDED DECEMBER 31, 2015 2014 2013 (IN THOUSANDS, EXCEPT PER SHARE DATA) Numerator: Net income $ 5,997 $ 3,023 $ 5,193 Preferred stock dividends 210 210 209 Net income available to common shareholders $ 5,787 $ 2,813 $ 4,984 Denominator: Weighted average common shares outstanding (basic) 18,863 18,793 18,942 Effect of stock options 70 115 92 Weighted average common shares outstanding (diluted) 18,933 18,908 19,034 Earnings per common share: Basic $ 0.31 $ 0.15 $ 0.26 Diluted 0.31 0.15 0.26
Share-based Compensation, Option and Incentive Plans Policy [Policy Text Block]	STOCK-BASED COMPENSATION: The Company uses the modified prospective method for accounting of stock-based compensation. The Company recognized $29,000, $42,000 and $82,000 of pretax compensation expense for the years 2015, 2014 and 2013. The fair value of each option grant is estimated on the grant date using the Black-Scholes option pricing model. See Note 18 for details on the assumptions used.
Comprehensive Income, Policy [Policy Text Block]	ACCUMULATED OTHER COMPREHENSIVE LOSS: The Company presents the components of other comprehensive income (loss) in the Consolidated Statements of Comprehensive Income. These components are comprised of the change in the defined benefit pension obligation and the unrealized holding gains (losses) on available for sale securities, net of any reclassification adjustments for realized gains and losses.
Cash and Cash Equivalents, Policy [Policy Text Block]	CONSOLIDATED STATEMENT OF CASH FLOWS: On a consolidated basis, cash and cash equivalents include cash and due from depository institutions, interest bearing deposits, and short-term investments in money market funds. The Company made $1,554,000 in income tax payments in 2015; $1,063,000 in 2014; and $137,000 in 2013. The Company had non-cash transfers to other real estate owned (OREO) in the amounts of $189,000 in 2015; $660,000 in 2014; and $766,000 in 2013. The Company made total interest payments of $6,575,000 in 2015; $6,475,000 in 2014; and $6,781,000 in 2013.
Income Tax, Policy [Policy Text Block]	INCOME TAXES: Deferred tax assets or liabilities are computed based on the difference between the financial statement and income tax basis of assets and liabilities using the enacted marginal tax rate. Deferred income tax expenses or credits are based on the changes in the corresponding asset or liability from period to period. Deferred tax assets are reduced, if necessary, by the amounts of such benefits that are not expected to be realized based upon available evidence.
Derivatives, Policy [Policy Text Block]	INTEREST RATE CONTRACTS: The Company recognizes all derivatives as either assets or liabilities on the Consolidated Balance Sheets and measures those instruments at fair value. For derivatives designated as fair value hedges, changes in the fair value of the derivative and hedged item related to the hedged risk are recognized in earnings. Changes in fair value of derivatives designated and accounted as cash flow hedges, to the extent they are effective as hedges, are recorded in “Other Comprehensive Income,” net of deferred taxes and are subsequently reclassified to earnings when the hedged transaction affects earnings. Any hedge ineffectiveness would be recognized in the income statement line item pertaining to the hedged item. The Company periodically enters into derivative instruments to meet the financing, interest rate and equity risk management needs of its customers. Upon entering into these instruments to meet customer needs, the Company enters into offsetting positions to minimize interest rate and equity risk to the Company. These derivative financial instruments are reported at fair value with any resulting gain or loss recorded in current period earnings. These instruments and their offsetting positions are recorded in other assets and other liabilities on the Consolidated Balance Sheets.
Pension and Other Postretirement Plans, Policy [Policy Text Block]	PENSION: Pension costs and liabilities are dependent on assumptions used in calculating such amounts. These assumptions include discount rates, benefits earned, interest costs, expected return on plan assets, mortality rates, and other factors. In accordance with GAAP, actual results that differ from the assumptions are accumulated and amortized over future periods and, therefore, generally affect recognized expense and the recorded obligation of future periods. While management believes that the assumptions used are appropriate, differences in actual experience or changes in assumptions may affect the Company’s pension obligations and future expense. Our pension benefits are described further in Note 14 of the Notes to Consolidated Financial Statements.
Fair Value Measurement, Policy [Policy Text Block]	FAIR VALUE OF FINANCIAL INSTRUMENTS: We group our assets at fair value in three levels, based on the markets in which the assets are traded and the reliability of the assumptions used to determine fair value. These levels are: Level I — Valuation is based upon quoted prices for identical instruments traded in active markets. Level II — Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market. Level III — Valuation is generated from model-based techniques that use significant assumptions not observable in the market. These unobservable assumptions reflect the Company’s own estimates of assumptions that market participants would use in pricing the asset. We base our fair values on the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. It is our policy to maximize the use of observable inputs and minimize the use of unobservable inputs when developing fair value measurements, in accordance with the fair value hierarchy in generally accepted accounting principles. Fair value measurements for most of our assets are obtained from independent pricing services that we have engaged for this purpose. When available, we, or our independent pricing service, use quoted market prices to measure fair value. If market prices are not available, fair value measurement is based upon models that incorporate available trade, bid, and other market information. Subsequently, all of our financial instruments use either of the foregoing methodologies to determine fair value adjustments recorded to our financial statements. In certain cases, however, when market observable inputs for model-based valuation techniques may not be readily available, we are required to make judgments about assumptions market participants would use in estimating the fair value of financial instruments. The degree of management judgment involved in determining the fair value of a financial instrument is dependent upon the availability of quoted market prices or observable market parameters. For financial instruments that trade actively and have quoted market prices or observable market parameters, there is minimal subjectivity involved in measuring fair value. When observable market prices and parameters are not fully available, management judgment is necessary to estimate fair value. In addition, changes in the market conditions may reduce the availability of quoted prices or observable data. When market data is not available, we use valuation techniques requiring more management judgment to estimate the appropriate fair value measurement. Therefore, the results cannot be determined with precision and may not be realized in an actual sale or immediate settlement of the asset. Additionally, there may be inherent weaknesses in any calculation technique, and changes in the underlying assumptions used, including discount rates and estimates of future cash flows, that could significantly affect the results of current or future valuations.
New Accounting Pronouncements, Policy [Policy Text Block]	RECENT ACCOUNTING STANDARDS: In April 2015, the FASB issued ASU 2015-03, Interest — Imputation of Interest (Subtopic 835-30) In January 2016, the FASB issued ASU 2016-01, Financial Instruments — Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities

SUMMARY OF SIGNIFICANT ACCOUN36

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)	12 Months Ended
	Dec. 31, 2015
Accounting Policies [Abstract]
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	YEAR ENDED DECEMBER 31, 2015 2014 2013 (IN THOUSANDS, EXCEPT PER SHARE DATA) Numerator: Net income $ 5,997 $ 3,023 $ 5,193 Preferred stock dividends 210 210 209 Net income available to common shareholders $ 5,787 $ 2,813 $ 4,984 Denominator: Weighted average common shares outstanding (basic) 18,863 18,793 18,942 Effect of stock options 70 115 92 Weighted average common shares outstanding (diluted) 18,933 18,908 19,034 Earnings per common share: Basic $ 0.31 $ 0.15 $ 0.26 Diluted 0.31 0.15 0.26

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	12 Months Ended
	Dec. 31, 2015
Investment Securities [Abstract]
Schedule of Available-for-sale Securities Reconciliation [Table Text Block]	Investment securities available for sale: AT DECEMBER 31, 2015 COST GROSS GROSS FAIR (IN THOUSANDS) U.S. Agency $ 2,900 $ — $ (19 ) $ 2,881 Corporate bonds 18,541 18 (307 ) 18,252 U.S. Agency mortgage-backed securities 96,801 1,975 (442 ) 98,334 Total $ 118,242 $ 1,993 $ (768 ) $ 119,467 Investment securities held to maturity: AT DECEMBER 31, 2015 COST GROSS GROSS FAIR (IN THOUSANDS) U.S. Agency mortgage-backed securities $ 10,827 $ 247 $ (53 ) $ 11,021 Taxable municipal 5,592 67 (65 ) 5,594 Corporate bonds and other securities 5,000 3 (85 ) 4,918 Total $ 21,419 $ 317 $ (203 ) $ 21,533 Investment securities available for sale: AT DECEMBER 31, 2014 COST GROSS GROSS FAIR (IN THOUSANDS) U.S. Agency $ 5,931 $ 21 $ (46 ) $ 5,906 Corporate bonds 15,497 61 (122 ) 15,436 U.S. Agency mortgage-backed securities 102,888 3,197 (317 ) 105,768 Total $ 124,316 $ 3,279 $ (485 ) $ 127,110 Investment securities held to maturity: AT DECEMBER 31, 2014 COST GROSS GROSS FAIR (IN THOUSANDS) U.S. Agency mortgage-backed securities $ 12,481 $ 395 $ (50 ) $ 12,826 Taxable municipal 3,364 74 (24 ) 3,414 Corporate bonds and other securities 3,995 6 (28 ) 3,973 Total $ 19,840 $ 475 $ (102 ) $ 20,213
Investments Classified by Contractual Maturity Date [Table Text Block]	Investment securities available for sale: AT DECEMBER 31, 2015 U.S. AGENCY U.S. AGENCY MORTGAGE-BACKED SECURITIES CORPORATE BONDS TOTAL INVESTMENT SECURITIES AVAILABLE (IN THOUSANDS, EXCEPT YIELDS) COST BASIS Within 1 year $ — —% $ — —% $ 1,000 2.31 % $ 1,000 2.31 % After 1 year but within 5 years 2,400 1.27 1,206 4.39 8,000 1.82 11,606 1.98 After 5 years but within 10 years 500 1.97 16,807 3.01 9,541 2.64 26,848 2.86 After 10 years but within 15 years — — 41,448 2.45 — — 41,448 2.45 Over 15 years — — 37,340 2.37 — — 37,340 2.37 Total $ 2,900 1.39 $ 96,801 2.54 $ 18,541 2.27 $ 118,242 2.47 FAIR VALUE Within 1 year $ — $ — $ 999 $ 999 After 1 year but within 5 years 2,385 1,253 7,977 11,615 After 5 years but within 10 years 496 17,351 9,276 27,123 After 10 years but within 15 years — 41,834 — 41,834 Over 15 years — 37,896 — 37,896 Total $ 2,881 $ 98,334 $ 18,252 $ 119,467 Investment securities held to maturity: AT DECEMBER 31, 2015 U.S. AGENCY CORPORATE BONDS TOTAL INVESTMENT (IN THOUSANDS, EXCEPT YIELDS) COST BASIS Within 1 year $ — —% $ 1,000 1.67 % $ 1,000 1.67 % After 1 year but within 5 years — — 2,000 1.78 2,000 1.78 After 5 years but within 10 years 2,898 2.40 4,719 4.05 7,617 3.42 After 10 years but within 15 years — — 2,115 3.85 2,115 3.85 Over 15 years 7,929 3.30 758 4.97 8,687 3.45 Total $ 10,827 3.06 $ 10,592 3.42 $ 21,419 3.24 FAIR VALUE Within 1 year $ — $ 995 $ 995 After 1 year but within 5 years — 1,930 1,930 After 5 years but within 10 years 2,857 4,710 7,567 After 10 years but within 15 years — 2,081 2,081 Over 15 years 8,164 796 8,960 Total $ 11,021 $ 10,512 $ 21,533
Schedule of Unrealized Loss on Investments [Table Text Block]	The following tables present information concerning investments with unrealized losses as of December 31, 2015 (in thousands): Total investment securities: LESS THAN 12 MONTHS 12 MONTHS OR LONGER TOTAL FAIR UNREALIZED FAIR UNREALIZED FAIR UNREALIZED U.S. Agency $ 1,486 $ (14 ) $ 395 $ (5) $ 1,881 $ (19 ) U.S. Agency mortgage-backed securities 33,359 (245 ) 9,088 (250 ) 42,447 (495 ) Taxable municipal 3,617 (65 ) — — 3,617 (65 ) Corporate bonds and other securities 8,884 (160 ) 7,766 (232 ) 16,650 (392 ) Total $ 47,346 $ (484 ) $ 17,249 $ (487 ) $ 64,595 $ (971 ) The following tables present information concerning investments with unrealized losses as of December 31, 2014 (in thousands): Total investment securities: LESS THAN 12 MONTHS 12 MONTHS OR LONGER TOTAL FAIR UNREALIZED FAIR UNREALIZED FAIR UNREALIZED U.S. Agency $ 996 $ (4 ) $ 2,858 $ (42 ) $ 3,854 $ (46 ) U.S. Agency mortgage-backed securities 2,826 (13 ) 20,408 (354 ) 23,234 (367 ) Taxable municipal 150 (1 ) 988 (23 ) 1,138 (24 ) Corporate bonds and other securities 2,960 (43 ) 8,891 (107 ) 11,851 (150 ) Total $ 6,932 $ (61 ) $ 33,145 $ (526 ) $ 40,077 $ (587 )

LOANS (Tables)

LOANS (Tables)	12 Months Ended
	Dec. 31, 2015
Loans [Abstract]
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	The loan portfolio of the Company consisted of the following: AT DECEMBER 31, 2015 2014 (IN THOUSANDS) Commercial $ 181,066 $ 139,126 Commercial loans secured by real estate 421,637 410,329 Real estate-mortgage 257,937 258,616 Consumer 20,344 19,009 Loans, net of unearned income $ 880,984 $ 827,080

ALLOWANCE FOR LOAN LOSSES (Tabl

ALLOWANCE FOR LOAN LOSSES (Tables)	12 Months Ended
	Dec. 31, 2015
Allowance for Loan Losses [Abstract]
Allowance for Credit Losses on Financing Receivables [Table Text Block]	The following table summarizes the rollforward of the allowance for loan losses by portfolio segment (in thousands). BALANCE AT CHARGE- RECOVERIES PROVISION BALANCE AT Commercial $ 3,262 $ (170 ) $ 101 $ 1,051 $ 4,244 Commercial loans secured by real estate 3,902 (250 ) 111 (314 ) 3,449 Real estate-mortgage 1,310 (753 ) 171 445 1,173 Consumer 190 (188 ) 26 123 151 Allocation for general risk 959 — — (55 ) 904 Total $ 9,623 $ (1,361 ) $ 409 $ 1,250 $ 9,921 BALANCE AT CHARGE- RECOVERIES PROVISION BALANCE AT Commercial $ 2,844 $ (172 ) $ 141 $ 449 $ 3,262 Commercial loans secured by real estate 4,885 (708 ) 231 (506 ) 3,902 Real estate-mortgage 1,260 (322 ) 71 301 1,310 Consumer 136 (121 ) 24 151 190 Allocation for general risk 979 — — (20 ) 959 Total $ 10,104 $ (1,323 ) $ 467 $ 375 $ 9,623 BALANCE AT CHARGE- RECOVERIES PROVISION BALANCE AT Commercial $ 2,596 $ (50 ) $ 80 $ 218 $ 2,844 Commercial loans secured by real estate 7,796 (1,777 ) 481 (1,615 ) 4,885 Real estate-mortgage 1,269 (139 ) 122 8 1,260 Consumer 150 (154 ) 70 70 136 Allocation for general risk 760 — — 219 979 Total $ 12,571 $ (2,120 ) $ 753 $ (1,100 ) $ 10,104
Schedule of Primary Segments of Loan Portfolio [Table Text Block]	The following tables summarize the loan portfolio and allowance for loan loss by the primary segments of the loan portfolio. AT DECEMBER 31, 2015 (IN THOUSANDS) Loans: COMMERCIAL COMMERCIAL LOANS REAL ESTATE- MORTGAGE CONSUMER TOTAL Individually evaluated for impairment $ 4,416 $ 86 $ — $ — $ 4,502 Collectively evaluated for impairment 176,650 421,551 257,937 20,344 876,482 Total loans $ 181,066 $ 421,637 $ 257,937 $ 20,344 $ 880,984 AT DECEMBER 31, 2015 (IN THOUSANDS) Allowance for loan losses: COMMERCIAL COMMERCIAL LOANS SECURED BY REAL ESTATE REAL ESTATE- MORTGAGE CONSUMER ALLOCATION FOR GENERAL RISK TOTAL Specific reserve allocation $ 1,387 $ — $ — $ — $ — $ 1,387 General reserve allocation 2,857 3,449 1,173 151 904 8,534 Total allowance for loan losses $ 4,244 $ 3,449 $ 1,173 $ 151 $ 904 $ 9,921 AT DECEMBER 31, 2014 (IN THOUSANDS) Loans: COMMERCIAL COMMERCIAL REAL CONSUMER TOTAL Individually evaluated for impairment $ — $ 989 $ — $ — $ 989 Collectively evaluated for impairment 139,126 409,340 258,616 19,009 826,091 Total loans $ 139,126 $ 410,329 $ 258,616 $ 19,009 $ 827,080 AT DECEMBER 31, 2014 (IN THOUSANDS) Allowance for loan losses: COMMERCIAL COMMERCIAL REAL CONSUMER ALLOCATION TOTAL Specific reserve allocation $ — $ 520 $ — $ — $ — $ 520 General reserve allocation 3,262 3,382 1,310 190 959 9,103 Total allowance for loan losses $ 3,262 $ 3,902 $ 1,310 $ 190 $ 959 $ 9,623
Impaired Financing Receivables [Table Text Block]	The following tables present impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary. AT DECEMBER 31, 2015 IMPAIRED LOANS WITH IMPAIRED TOTAL IMPAIRED LOANS RECORDED RELATED RECORDED RECORDED UNPAID (IN THOUSANDS) Commercial $ 4,416 $ 1,387 $ — $ 4,416 $ 4,421 Commercial loans secured by real estate — — 86 86 522 Total impaired loans $ 4,416 $ 1,387 $ 86 $ 4,502 $ 4,943 AT DECEMBER 31, 2014 IMPAIRED LOANS WITH IMPAIRED TOTAL IMPAIRED LOANS RECORDED RELATED RECORDED RECORDED UNPAID (IN THOUSANDS) Commercial loans secured by real estate $ 989 $ 520 $ — $ 989 $ 1,069 Total impaired loans $ 989 $ 520 $ — $ 989 $ 1,069
Schedule of Average Recorded Investment in Impaired Loans and Related Interest Income Recognized [Table Text Block]	The following table presents the average recorded investment in impaired loans and related interest income recognized for the periods indicated. YEAR ENDED DECEMBER 31, 2015 2014 2013 (IN THOUSANDS) Average impaired balance: Commercial $ 1,271 $ — $ 13 Commercial loans secured by real estate 866 1,756 2,459 Consumer 9 — 37 Average investment in impaired loans $ 2,146 $ 1,756 $ 2,509 Interest income recognized: Commercial $ 10 $ — $ — Commercial loans secured by real estate 17 12 11 Consumer — — 3 Interest income recognized on a cash basis on impaired loans $ 27 $ 12 $ 14
Financing Receivable Credit Quality Indicators [Table Text Block]	The following table presents the classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system. AT DECEMBER 31, 2015 PASS SPECIAL SUBSTANDARD DOUBTFUL TOTAL (IN THOUSANDS) Commercial $ 174,616 $ 1,811 $ 3,318 $ 1,321 $ 181,066 Commercial loans secured by real estate 416,331 3,100 2,188 18 421,637 Total $ 590,947 $ 4,911 $ 5,506 $ 1,339 $ 602,703 AT DECEMBER 31, 2014 PASS SPECIAL SUBSTANDARD DOUBTFUL TOTAL (IN THOUSANDS) Commercial $ 132,665 $ 161 $ 6,164 $ 136 $ 139,126 Commercial loans secured by real estate 406,195 620 3,238 276 410,329 Total $ 538,860 $ 781 $ 9,402 $ 412 $ 549,455
Schedule of Financing Receivable Performing and Nonperforming [Table Text Block]	The following tables present the performing and non-performing outstanding balances of the residential and consumer portfolios (in thousands). AT DECEMBER 31, 2015 PERFORMING NON- (IN THOUSANDS) Real estate-mortgage $ 256,149 $ 1,788 Consumer 20,344 — Total $ 276,493 $ 1,788 AT DECEMBER 31, 2014 PERFORMING NON- (IN THOUSANDS) Real estate-mortgage $ 257,199 $ 1,417 Consumer 19,009 — Total $ 276,208 $ 1,417
Past Due Financing Receivables [Table Text Block]	The following tables present the classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans. AT DECEMBER 31, 2015 CURRENT 30 – 59 60 – 89 90 DAYS TOTAL TOTAL 90 DAYS (IN THOUSANDS) Commercial $ 176,216 $ 489 $ 4,361 $ — $ 4,850 $ 181,066 $ — Commercial loans secured by real estate 421,247 208 182 — 390 421,637 — Real estate-mortgage 254,288 2,658 442 549 3,649 257,937 — Consumer 20,115 67 162 — 229 20,344 — Total $ 871,866 $ 3,422 $ 5,147 $ 549 $ 9,118 $ 880,984 $ — AT DECEMBER 31, 2014 CURRENT 30 – 59 60 – 89 90 DAYS TOTAL TOTAL 90 DAYS (IN THOUSANDS) Commercial $ 139,126 $ — $ — $ — $ — $ 139,126 $ — Commercial loans secured by real estate 410,049 280 — — 280 410,329 — Real estate-mortgage 255,021 2,196 332 1,067 3,595 258,616 — Consumer 18,927 74 8 — 82 19,009 — Total $ 823,123 $ 2,550 $ 340 $ 1,067 $ 3,957 $ 827,080 $ —

NON-PERFORMING ASSETS INCLUDI40

NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (Tables)	12 Months Ended
	Dec. 31, 2015
Nonperforming Assets Including Troubled Debt Restructurings [Abstract]
Schedule Of Nonperforming Assets Including Trouble Debt Restructurings [Table Text Block]	The following tables present information concerning non-performing assets including TDR: AT DECEMBER 31, 2015 2014 (IN THOUSANDS, EXCEPT PERCENTAGES) Non-accrual loans: Commercial $ 4,260 $ — Commercial loans secured by real estate 18 778 Real estate-mortgage 1,788 1,417 Total 6,066 2,195 Other real estate owned: Commercial loans secured by real estate — 384 Real estate-mortgage 75 128 Total 75 512 Total restructured loans not in non-accrual (TDR) 156 210 Total non-performing assets including TDR $ 6,297 $ 2,917 Total non-performing assets as a percent of loans, net of unearned income, and other real estate owned 0.71 % 0.35 %
Troubled Debt Restructurings on Financing Receivables [Table Text Block]	The following table details the TDRs at December 31, 2015 (dollars in thousands). Loans in non-accrual status # of Loans Current Concession Granted Commercial loan secured by real estate 6 $ 4,320 Extension of maturity date Loans in accrual status # of Loans Current Concession Granted Commercial loan secured by real estate 1 $ 156 Extension of maturity date The following table details the TDRs at December 31, 2014 (dollars in thousands). Loans in non-accrual status # of Loans Current Concession Granted Commercial loan secured by real estate 2 $ 210 Extension of maturity date Loans in accrual status # of Loans Current Concession Granted Commercial loan secured by real estate 2 $ 742 Extension of maturity date The following table details the TDRs at December 31, 2013 (dollars in thousands). Loans in non-accrual status # of Loans Current Concession Granted Commercial loan secured by real estate 2 $ 1,250 Extension of maturity date Loans in accrual status # of Loans Current Concession Granted Commercial loan secured by real estate 2 $ 161 Extension of maturity date Consumer 2 61 Extension of maturity date
Schedule Of Recorded Investment In Loans As Trouble Debt Restructuring [Table Text Block]	The following table presents the recorded investment in loans that were modified as TDR’s in the previous 12 months and defaulted during these reporting periods (in thousands). YEAR ENDED DECEMBER 31, 2015 2014 2013 Recorded investment of defaults Commercial loan secured by real estate $ — $ — $ 1,480 Total $ — $ — $ 1,480
Schedule of Financing Receivables, Non Accrual Status [Table Text Block]	The following table sets forth, for the periods indicated, (1) the gross interest income that would have been recorded if non-accrual loans had been current in accordance with their original terms and had been outstanding throughout the period or since origination if held for part of the period, (2) the amount of interest income actually recorded on such loans, and (3) the net reduction in interest income attributable to such loans. YEAR ENDED DECEMBER 31, 2015 2014 2013 (IN THOUSANDS) Interest income due in accordance with original terms $ 94 $ 136 $ 178 Interest income recorded — — — Net reduction in interest income $ 94 $ 136 $ 178

PREMISES AND EQUIPMENT (Tables)

PREMISES AND EQUIPMENT (Tables)	12 Months Ended
	Dec. 31, 2015
Property, Plant and Equipment [Abstract]
Property, Plant and Equipment [Table Text Block]	An analysis of premises and equipment follows: AT DECEMBER 31, 2015 2014 (IN THOUSANDS) Land $ 1,198 $ 1,198 Premises 24,096 24,175 Furniture and equipment 8,291 8,337 Leasehold improvements 696 689 Total at cost 34,281 34,399 Less: Accumulated depreciation and amortization 22,173 21,387 Premises and equipment, net $ 12,108 $ 13,012

DEPOSITS (Tables)

DEPOSITS (Tables)	12 Months Ended
	Dec. 31, 2015
Deposits [Abstract]
Schedule Of Deposit Liabilities [Table Text Block]	The following table sets forth the balance of the Company’s deposits: AT DECEMBER 31, 2015 2014 (IN THOUSANDS) Demand: Non-interest bearing $ 188,947 $ 167,551 Interest bearing 92,037 89,676 Savings 93,949 90,020 Money market 258,818 221,378 Certificates of deposit in denominations of $100,000 or more 31,422 50,529 Other time 238,121 250,727 Total deposits $ 903,294 $ 869,881
Interest Income and Interest Expense Disclosure [Text Block]	Interest expense on deposits consisted of the following: YEAR ENDED DECEMBER 31, 2015 2014 2013 (IN THOUSANDS) Interest bearing demand $ 199 $ 191 $ 138 Savings 156 144 139 Money market 817 761 736 Certificates of deposit in denominations of $100,000 or 266 268 289 Other time 3,314 3,525 3,862 Total interest expense $ 4,752 $ 4,889 $ 5,164
Schedule Of Maturities Of Time Deposits [Table Text Block]	The following table sets forth the balance of other time deposits and certificates of deposit of $100,000 or more as of December 31, 2015 maturing in the periods presented: YEAR: OTHER CERTIFICATES (IN THOUSANDS) 2016 $ 102,774 $ 28,288 2017 26,971 1,988 2018 36,165 945 2019 28,543 100 2020 17,013 — 2021 and after 26,655 101 Total $ 238,121 $ 31,422
Schedule Of Maturities O fTime Deposits Of One Hundred Thousand Or More [Table Text Block]	The maturities on certificates of deposit greater than $100,000 or more as of December 31, 2015, are as follows: MATURING IN: (IN THOUSANDS) Three months or less $ 6,868 Over three through six months 12,588 Over six through twelve months 8,832 Over twelve months 3,134 Total $ 31,422

SHORT-TERM BORROWINGS (Tables)

SHORT-TERM BORROWINGS (Tables)	12 Months Ended
	Dec. 31, 2015
Short-term Debt [Abstract]
Schedule of Short-term Debt [Table Text Block]	Short-term borrowings, which consist of federal funds purchased and other short-term borrowings are summarized as follows: AT DECEMBER 31, 2015 FEDERAL SHORT-TERM (IN THOUSANDS, EXCEPT RATES) Balance $ — $ 48,748 Maximum indebtedness at any month end — 65,071 Average balance during year — 24,582 Average rate paid for the year — 0.35 % Interest rate on year-end balance — 0.43 AT DECEMBER 31, 2014 FEDERAL SHORT-TERM (IN THOUSANDS, EXCEPT RATES) Balance $ — $ 38,880 Maximum indebtedness at any month end — 47,762 Average balance during year — 18,783 Average rate paid for the year — 0.29 % Interest rate on year-end balance — 0.27 AT DECEMBER 31, 2013 FEDERAL OTHER (IN THOUSANDS, EXCEPT RATES) Balance $ — $ 41,555 Maximum indebtedness at any month end — 41,555 Average balance during year 959 16,482 Average rate paid for the year 0.34 % 0.26 % Interest rate on year-end balance — 0.25

ADVANCES FROM FEDERAL HOME LO44

ADVANCES FROM FEDERAL HOME LOAN BANK, GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES AND SUBORDINATED DEBT (Tables)	12 Months Ended
	Dec. 31, 2015
Long-term Debt, Unclassified [Abstract]
Schedule of Federal Home Loan Bank, Advances, by Branch of FHLB Bank [Table Text Block]	Advances from the FHLB consist of the following: AT DECEMBER 31, 2015 MATURING WEIGHTED BALANCE (IN THOUSANDS, EXCEPT RATES) 2016 0.81 $ 12,000 2017 1.06 12,000 2018 1.48 12,000 2019 1.73 7,000 2020 1.69 5,000 Total advances from FHLB 1.27 $ 48,000 AT DECEMBER 31, 2014 MATURING WEIGHTED BALANCE (IN THOUSANDS, EXCEPT RATES) 2015 0.52 $ 4,000 2016 0.81 12,000 2017 1.06 12,000 2018 1.51 10,000 2019 1.88 4,000 Total advances from FHLB 1.12 $ 42,000

DISCLOSURES ABOUT FAIR VALUE 45

DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Tables)	12 Months Ended
	Dec. 31, 2015
Disclosures about Fair Value Measurements [Abstract]
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	Assets and liability measured at fair value on a recurring basis are summarized below (in thousands): FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2015 USING TOTAL (LEVEL 1) (LEVEL 2) (LEVEL 3) Assets: U.S. Agency securities $ 2,881 $ — $ 2,881 $ — U.S. Agency mortgage-backed securities 98,334 — 98,334 — Corporate bonds 18,252 — 18,252 — FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2014 USING TOTAL (LEVEL 1) (LEVEL 2) (LEVEL 3) Assets: U.S. Agency securities $ 5,906 $ — $ 5,906 $ — U.S. Agency mortgage-backed securities 105,768 — 105,768 — Corporate bonds 15,436 — 15,436 —
Fair Value, Assets and Liabilities Measured on Nonrecurring Basis [Table Text Block]	Assets measured at fair value on a non-recurring basis are summarized below (in thousands): FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2015 USING TOTAL (LEVEL 1) (LEVEL 2) (LEVEL 3) Assets: Impaired loans $ 3,115 $ — $ — $ 3,115 Other real estate owned 75 — — 75 FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2014 USING TOTAL (LEVEL 1) (LEVEL 2) (LEVEL 3) Assets: Impaired loans $ 469 $ — $ — $ 469 Other real estate owned 512 — — 512 December 31, 2015 Quantitative Information About Level 3 Fair Value Measurements Fair Value Valuation Techniques Unobservable Input Range (Wgtd Ave) Impaired loans $ 3,115 Appraisal of collateral (1) Appraisal adjustments (2) 15% to 20% (17%) Other real estate owned 75 Appraisal of collateral (1),(3) Appraisal adjustments (2) 23% to 49% (35%) Liquidation expenses (2) 10% to 59% (25%) December 31, 2014 Quantitative Information About Level 3 Fair Value Measurements Fair Value Valuation Techniques Unobservable Input Range (Wgtd Ave) Impaired loans $ 469 Appraisal of collateral (1) Appraisal adjustments (2) 0% to 37%(30%) Liquidation expenses (2) 1% to 15%(10%) Other real estate owned 512 Appraisal of collateral (1),(3) Appraisal adjustments (2) 47% to 83%(55%) Liquidation expenses (2) 1% to 61%(9%) (1) Fair Value is generally determined through independent appraisals of the underlying collateral, which generally include various level 3 inputs which are not identifiable. (2) Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. (3) Includes qualitative adjustments by management and estimated liquidation expenses.

DISCLOSURES ABOUT FAIR VALUE 46

DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)	12 Months Ended
	Dec. 31, 2015
Disclosures About Fair Value Of Financial Instruments [Abstract]
Fair Value, by Balance Sheet Grouping [Table Text Block]	AT DECEMBER 31, 2015 Carrying Value Fair (Level 1) (Level 2) (Level 3) (IN THOUSANDS) FINANCIAL ASSETS: Cash and cash equivalents $ 48,510 $ 48,510 $ 48,510 $ — $ — Investment securities – AFS 119,467 119,467 — 119,467 — Investment securities – HTM 21,419 21,533 — 18,608 2,925 Regulatory stock 6,753 6,753 6,753 — — Loans held for sale 3,003 3,041 3,041 — — Loans, net of allowance for loan loss and unearned income 871,063 869,591 — — 869,591 Accrued interest income receivable 3,057 3,057 3,057 — — Bank owned life insurance 37,228 37,228 37,228 — — FINANCIAL LIABILITIES: Deposits with no stated maturities $ 633,751 $ 633,751 $ 633,751 $ — $ — Deposits with stated maturities 269,543 271,909 — — 271,909 Short-term borrowings 48,748 48,748 48,748 — — All other borrowings 68,735 72,241 — — 72,241 Accrued interest payable 1,651 1,651 1,651 — — AT DECEMBER 31, 2014 Carrying Value Fair (Level 1) (Level 2) (Level 3) (IN THOUSANDS) FINANCIAL ASSETS: Cash and cash equivalents $ 32,872 $ 32,872 $ 32,872 $ — $ — Investment securities – AFS 127,110 127,110 — 127,110 — Investment securities – HTM 19,840 20,213 — 17,241 2,972 Regulatory stock 6,173 6,173 6,173 — — Loans held for sale 5,051 5,127 5,127 — — Loans, net of allowance for loan loss and unearned income 817,457 819,935 — — 819,935 Accrued interest income receivable 3,127 3,127 3,127 — — Bank owned life insurance 37,417 37,417 37,417 — — FINANCIAL LIABILITIES: Deposits with no stated maturities $ 568,625 $ 568,625 $ 568,625 $ — $ — Deposits with stated maturities 301,256 304,744 — — 304,744 Short-term borrowings 38,880 38,880 38,880 — — All other borrowings 55,085 59,256 — — 59,256 Accrued interest payable 1,706 1,706 1,706 — —

INCOME TAXES (Tables)

INCOME TAXES (Tables)	12 Months Ended
	Dec. 31, 2015
Income Tax Disclosure [Abstract]
Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]	YEAR ENDED DECEMBER 31, 2015 2014 2013 (IN THOUSANDS) Current $ 1,455 $ 1,036 $ 139 Deferred 888 562 2,150 Income tax expense $ 2,343 $ 1,598 $ 2,289
Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]	YEAR ENDED DECEMBER 31, 2015 2014 2013 AMOUNT RATE AMOUNT RATE AMOUNT RATE (IN THOUSANDS, EXCEPT PERCENTAGES) Income tax expense based on federal statutory rate $ 2,836 34.0 % $ 1,571 34.0 % $ 2,544 34.0 % Tax exempt income (574 ) (6.9 ) (274 ) (5.9 ) (359 ) (4.8 ) Other 81 1.0 301 6.5 104 1.4 Total expense for income taxes $ 2,343 28.1 % $ 1,598 34.6 % $ 2,289 30.6 %
Schedule of Deferred Tax Assets and Liabilities [Table Text Block]	AT DECEMBER 31, 2015 2014 (IN THOUSANDS) DEFERRED TAX ASSETS: Allowance for loan losses $ 3,373 $ 3,272 Unfunded commitment reserve 298 300 Premises and equipment 1,602 1,433 Accrued pension obligation 1,658 2,358 Net operating loss carryforwards — 242 Alternative minimum tax credits 2,248 2,820 Other 487 349 Total tax assets 9,666 10,774 DEFERRED TAX LIABILITIES: Investment accretion (16 ) (25 ) Unrealized investment security gains (420 ) (950 ) Other (237 ) (251 ) Total tax liabilities (673 ) (1,226 ) Net deferred tax asset $ 8,993 $ 9,548
Schedule Of Changes In Deferred Taxes [Table Text Block]	YEAR ENDED 2015 2014 (IN THOUSANDS) Unrealized gains recognized in comprehensive income $ 530 $ (404 ) Pension obligation of the defined benefit plan not yet recognized in income (197 ) 942 Deferred provision for income taxes (888 ) (562 ) Net decrease $ (555 ) $ (24 )

EMPLOYEE BENEFIT PLANS (Tables)

EMPLOYEE BENEFIT PLANS (Tables)	12 Months Ended
	Dec. 31, 2015
Compensation and Retirement Disclosure [Abstract]
Schedule of Defined Benefit Plans Disclosures [Table Text Block]	YEAR ENDED 2015 2014 (IN THOUSANDS) CHANGE IN BENEFIT OBLIGATION: Benefit obligation at beginning of year $ 33,701 $ 30,249 Service cost 1,557 1,601 Interest cost 1,341 1,368 Actuarial (gain) loss (1,063 ) 3,406 Curtailments — 328 Special/contractual termination benefits — 376 Benefits paid (2,419 ) (3,627 ) Benefit obligation at end of year 33,117 33,701 CHANGE IN PLAN ASSETS: Fair value of plan assets at beginning of year 27,367 26,288 Actual return on plan assets (154 ) 2,056 Employer contributions 3,635 2,650 Benefits paid (2,419 ) (3,627 ) Fair value of plan assets at end of year 28,429 27,367 Funded status of the plan – under funded $ (4,688 ) $ (6,334 )
Schedule of Amounts in Accumulated Other Comprehensive Income (Loss) to be Recognized over Next Fiscal Year [Table Text Block]	YEAR ENDED 2015 2014 (IN THOUSANDS) AMOUNTS NOT YET RECOGNIZED AS A COMPONENT OF NET PERIODIC PENSION COST: Amounts recognized in accumulated other comprehensive loss consists of: Net actuarial loss $ 12,431 $ 12,596 Total $ 12,431 $ 12,596
Schedule of Accumulated and Projected Benefit Obligations [Table Text Block]	YEAR ENDED 2015 2014 (IN THOUSANDS) ACCUMULATED BENEFIT OBLIGATION: Accumulated benefit obligation $ 30,606 $ 30,914
Schedule Of Assumptions Used To Calculate Benefit Obligations [Table Text Block]	YEAR ENDED 2015 2014 WEIGHTED AVERAGE ASSUMPTIONS: Discount rate 4.20 % 4.00 % Salary scale 2.50 2.50
Schedule of Net Benefit Costs [Table Text Block]	YEAR ENDED DECEMBER 31, 2015 2014 2013 (IN THOUSANDS) COMPONENTS OF NET PERIODIC BENEFIT COST: Service cost $ 1,557 $ 1,601 $ 1,703 Interest cost 1,341 1,368 1,189 Expected return on plan assets (2,130 ) (1,991 ) (1,775 ) Amortization of prior year service cost — (19 ) (19 ) Amortization of transition asset — — (8 ) Special termination benefit liability — 376 — Recognized net actuarial loss 1,386 1,181 1,375 Net periodic pension cost $ 2,154 $ 2,516 $ 2,465
Schedule of Defined Benefit Plan Amounts Recognized in Other Comprehensive Income (Loss) [Table Text Block]	YEAR ENDED DECEMBER 31, 2015 2014 2013 (IN THOUSANDS) OTHER CHANGES IN PLAN ASSETS AND BENEFIT OBLIGATIONS RECOGNIZED IN OTHER COMPREHENSIVE LOSS Net (gain) loss $ 1,221 $ 3,669 $ (2,832 ) Recognized loss (1,386 ) (1,181 ) (1,375 ) Recognized prior service cost — 19 19 Recognized net initial asset — — 8 Total recognized in other comprehensive loss before tax effect $ (165) $ 2,507 $ (4,180 ) Total recognized in net benefit cost and other comprehensive loss before tax effect $ 1,989 $ 5,023 $ (1,715 )
Schedule Of Assumptions Used To Calculate Net Periodic Benefit Cost [Table Text Block]	YEAR ENDED DECEMBER 31, 2015 2014 2013 WEIGHTED AVERAGE ASSUMPTIONS: Discount rate 4.00 % 4.50 % 4.00 % Expected return on plan assets 8.00 8.00 8.00 Rate of compensation increase 2.50 2.50 2.50
Schedule of Allocation of Plan Assets [Table Text Block]	The plan’s measurement date is December 31, 2015. This plan’s asset allocations at December 31, 2015 and 2014, by asset category are as follows: YEAR ENDED 2015 2014 ASSET CATEGORY: Cash and cash equivalents 6 % 2 % Domestic equities 7 10 Mutual funds/ETFs 75 80 International equities 1 3 Corporate bonds 11 5 Total 100 % 100 %
Schedule Of Fair Value Of Plan Assets [Table Text Block]	The major categories of assets in the Company’s Pension Plan as of year end are presented in the following table. Assets are segregated by the level of the valuation inputs within the fair value hierarchy established by ASC Topic 820 utilized to measure fair value. YEAR ENDED DECEMBER 31, 2015 2014 (IN THOUSANDS) Level 1: Cash and cash equivalents $ 1,611 $ 639 Domestic equities 1,978 2,753 International equities 397 851 Mutual funds/ETFs 21,396 21,782 Level 2: Corporate bonds 3,047 1,342 Total fair value of plan assets $ 28,429 $ 27,367
Schedule of Expected Benefit Payments [Table Text Block]	The following benefit payments, which reflect future service, as appropriate, are expected to be paid. YEAR: ESTIMATED FUTURE BENEFIT PAYMENTS (IN THOUSANDS) 2016 $ 2,287 2017 2,417 2018 2,319 2019 2,215 2020 2,589 Years 2021 – 2025 11,706

LEASE COMMITMENTS (Tables)

LEASE COMMITMENTS (Tables)	12 Months Ended
	Dec. 31, 2015
Leases, Operating [Abstract]
Schedule of Future Minimum Rental Payments for Operating Leases [Table Text Block]	The Company’s obligation for future minimum lease payments on operating leases at December 31, 2015, is as follows: YEAR: FUTURE MINIMUM LEASE PAYMENTS (IN THOUSANDS) 2016 $ 716 2017 520 2018 342 2019 223 2020 234 2021 and thereafter 1,739

STOCK COMPENSATION PLANS (Table

STOCK COMPENSATION PLANS (Tables)	12 Months Ended
	Dec. 31, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Schedule of Share-based Compensation, Stock Options, Activity [Table Text Block]	A summary of the status of the Company’s Stock Incentive Plan at December 31, 2015, 2014, and 2013, and changes during the years then ended is presented in the table and narrative following: YEAR ENDED DECEMBER 31, 2015 2014 2013 SHARES WEIGHTED SHARES WEIGHTED SHARES WEIGHTED Outstanding at beginning of year 559,909 $ 2.66 487,349 $ 2.55 398,371 $ 2.43 Granted 32,500 2.96 115,000 3.18 102,445 3.19 Exercised (75,923 ) 2.07 (10,700 ) 2.25 (3,467 ) 1.81 Forfeited (46,037 ) 3.04 (31,740 ) 3.08 (10,000 ) 4.25 Outstanding at end of year 470,449 2.74 559,909 2.66 487,349 2.55 Exercisable at end of year 336,555 2.58 330,822 2.36 257,253 2.25 Weighted average fair value of options granted in current year $ 0.67 $ 0.85 $ 0.83
Schedule of Share-based Payment Award, Stock Options, Valuation Assumptions [Table Text Block]	The fair value of each option grant is estimated on the date of grant using the Black-Scholes option pricing model with the following assumptions used for grants in 2015, 2014, and 2013. YEAR ENDED DECEMBER 31, BLACK-SCHOLES ASSUMPTION RANGES 2015 2014 2013 Risk-free interest rate 1.97% 2.43 – 2.74% 1.82 – 1.03% Expected lives in years 10 10 10 Expected volatility 22% 28 – 29% 30 – 32% Expected dividend rate 1.35% 1.25 – 1.30% 1.30%

ACCUMULATED OTHER COMPREHENSI51

ACCUMULATED OTHER COMPREHENSIVE LOSS (Tables)	12 Months Ended
	Dec. 31, 2015
Accumulated Comprehensive Loss [Abstract]
Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]	The following table presents the changes in each component of accumulated other comprehensive loss, net of tax, for the periods ending December 31, 2015 and 2014 (in thousands): YEAR ENDING DECEMBER 31, 2015 YEAR ENDING DECEMBER 31, 2014 Net (1) Defined (1) Total (1) Net (1) Defined (1) Total (1) Beginning balance $ 1,843 $ (8,745 ) $ (6,902 ) $ 1,043 $ (6,918 ) $ (5,875 ) Other comprehensive income (loss) before reclassifications (989 ) (242 ) (1,231 ) 917 (2,354 ) (1,437 ) Amounts reclassified from accumulated other comprehensive loss (46 ) 624 578 (117 ) 527 410 Net current period other comprehensive income (loss) (1,035 ) 382 (653 ) 800 (1,827 ) (1,027 ) Ending balance $ 808 $ (8,363 ) $ (7,555 ) $ 1,843 $ (8,745 ) $ (6,902 ) (1) Amounts in parentheses indicate debits on the Consolidated Balance Sheets.
Schedule Of Amounts Reclassified Out Of Accumulated Other Comprehensive Loss [Table Text Block]	The following table presents the amounts reclassified out of each component of accumulated other comprehensive loss for the periods ending December 31, 2015 and 2014 (in thousands): Amount reclassified from (1) Details about accumulated other comprehensive loss components YEAR ENDING YEAR ENDING Affected line item in the Unrealized gains and losses on sale of securities $ (71 ) $ (177 ) Net realized gains on investment securities 25 60 Provision for income taxes $ (46 ) $ (117 ) Net of tax Amortization of defined benefit items (2) Recognized net actuarial loss $ 946 $ 813 Salaries and employee benefits Prior service cost — (14 ) Salaries and employee benefits 946 799 Pretax income (322 ) (272 ) Provision for income taxes $ 624 $ 527 Net income Total reclassifications for the period $ 578 $ 410 Net income (1) Amounts in parentheses indicate credits. (2) These accumulated other comprehensive loss components are included in the computation of net periodic benefit cost (see Note 14 for additional details).

INTANGIBLE ASSETS (Tables)

INTANGIBLE ASSETS (Tables)	12 Months Ended
	Dec. 31, 2015
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Goodwill [Table Text Block]	A reconciliation of the Company’s goodwill follows (in thousands): AT DECEMBER 31, 2015 2014 Balance at January 1 $ 11,944 $ 12,613 Goodwill impairment charge — (669 ) Balance at December 31 $ 11,944 $ 11,944

DERIVATIVE HEDGING INSTRUMENTS

DERIVATIVE HEDGING INSTRUMENTS (Tables)	12 Months Ended
	Dec. 31, 2015
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Derivative Instruments [Table Text Block]	The following table summarizes the interest rate swap transactions that impacted the Company’s 2013 performance: START DATE MATURITY DATE HEDGE TYPE NOTIONAL RATE RECEIVED RATE PAID REPRICING INCREASE 12/12/08 09/24/13 FAIR VALUE $ 9,000,000 5.25% 2.73% MONTHLY $ 165,488 12/12/08 09/24/13 FAIR VALUE 9,000,000 2.73 5.25 MONTHLY (165,488 ) $ —

SEGMENT RESULTS (Tables)

SEGMENT RESULTS (Tables)	12 Months Ended
	Dec. 31, 2015
Segment Results [Abstract]
Schedule of Segment Reporting Information, by Segment [Table Text Block]	The contribution of the major business segments to the Consolidated Results of Operations were as follows: YEAR ENDED DECEMBER 31, 2015 RETAIL BANKING COMMERCIAL BANKING TRUST INVESTMENT/ PARENT TOTAL (IN THOUSANDS) Net interest income $ 20,680 $ 18,390 $ 58 $ (3,767) $ 35,361 Provision for loan loss 192 1,058 — — 1,250 Non-interest income 5,537 552 8,683 495 15,267 Non-interest expense 21,849 10,303 6,606 2,280 41,038 Income (loss) before income taxes 4,176 7,581 2,135 (5,552 ) 8,340 Income tax expense (benefit) 1,160 2,167 726 (1,710 ) 2,343 Net income (loss) $ 3,016 $ 5,414 $ 1,409 $ (3,842) $ 5,997 Total assets $ 415,433 $ 589,840 $ 5,263 $ 138,386 $ 1,148,922 YEAR ENDED DECEMBER 31, 2014 RETAIL BANKING COMMERCIAL BANKING TRUST INVESTMENT/ PARENT TOTAL (IN THOUSANDS) Net interest income $ 20,141 $ 16,777 $ 47 $ (2,921 ) $ 34,044 Provision for loan loss 57 318 — — 375 Non-interest income 5,633 381 8,118 191 14,323 Non-interest expense 22,531 10,868 6,967 3,005 43,371 Income (loss) before income taxes 3,186 5,972 1,198 (5,735 ) 4,621 Income tax expense (benefit) 958 1,819 634 (1,813 ) 1,598 Net income (loss) $ 2,228 $ 4,153 $ 564 $ (3,922 ) $ 3,023 Total assets $ 376,009 $ 563,690 $ 5,015 $ 144,549 $ 1,089,263 YEAR ENDED DECEMBER 31, 2013 RETAIL BANKING COMMERCIAL BANKING TRUST INVESTMENT/ PARENT TOTAL (IN THOUSANDS) Net interest income $ 20,223 $ 15,687 $ 35 $ (3,084 ) $ 32,861 Credit provision for loan loss (92 ) (1,008 ) — — (1,100 ) Non-interest income 6,512 642 8,391 199 15,744 Non-interest expense 22,870 10,148 6,605 2,600 42,223 Income (loss) before income taxes 3,957 7,189 1,821 (5,485 ) 7,482 Income tax expense (benefit) 1,165 2,166 619 (1,661 ) 2,289 Net income (loss) $ 2,792 $ 5,023 $ 1,202 $ (3,824 ) $ 5,193 Total assets $ 347,823 $ 545,556 $ 4,722 $ 157,935 $ 1,056,036

REGULATORY CAPITAL (Tables)

REGULATORY CAPITAL (Tables)	12 Months Ended
	Dec. 31, 2015
Regulatory Capital [Abstract]
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	AT DECEMBER 31, 2015 COMPANY BANK MINIMUM TO BE WELL AMOUNT RATIO AMOUNT RATIO RATIO RATIO (IN THOUSANDS, EXCEPT RATIOS) Total Capital (To Risk Weighted Assets) $ 144,096 15.55 % $ 106,890 11.67 % 8.00 % 10.00 % Tier 1 Common Equity (To Risk Weighted Assets) 93,202 10.06 96,092 10.49 4.50 6.50 Tier 1 Capital (To Risk Weighted Assets) 125,648 13.56 96,092 10.49 6.00 8.00 Tier 1 Capital (To Average Assets) 125,648 11.41 96,092 8.97 4.00 5.00 AT DECEMBER 31, 2014 COMPANY BANK MINIMUM TO BE WELL AMOUNT RATIO AMOUNT RATIO RATIO RATIO (IN THOUSANDS, EXCEPT RATIOS) Total Capital (To Risk Weighted Assets) $ 131,497 14.80 % $ 106,084 12.07 % 8.00 % 10.00 % Tier 1 Common Equity (To Risk Weighted Assets) — — — — — — Tier 1 Capital (To Risk Weighted Assets) 120,992 13.62 95,579 10.88 4.00 6.00 Tier 1 Capital (To Average Assets) 120,992 11.34 95,579 9.19 4.00 5.00 * Applies to the Bank only.

PARENT COMPANY FINANCIAL INFO56

PARENT COMPANY FINANCIAL INFORMATION (Tables)	12 Months Ended
	Dec. 31, 2015
Condensed Financial Information of Parent Company Only Disclosure [Abstract]
Condensed Balance Sheet [Table Text Block]	BALANCE SHEETS AT DECEMBER 31, 2015 2014 (IN THOUSANDS) ASSETS Cash $ 100 $ 100 Short-term investments in money market funds 21,793 5,784 Investment securities available for sale 8,484 11,714 Equity investment in banking subsidiary 100,726 100,473 Equity investment in non-banking subsidiaries 6,007 5,685 Guaranteed junior subordinated deferrable interest debenture issuance costs 193 209 Subordinated debt issuance costs 232 — Other assets 3,197 4,698 TOTAL ASSETS $ 140,732 $ 128,663 LIABILITIES Guaranteed junior subordinated deferrable interest debentures $ 13,085 $ 13,085 Subordinated debt 7,650 — Other liabilities 1,024 1,171 TOTAL LIABILITIES 21,759 14,256 STOCKHOLDERS’ EQUITY Total stockholders’ equity 118,973 114,407 TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY $ 140,732 $ 128,663
Condensed Income Statement [Table Text Block]	STATEMENTS OF OPERATIONS YEAR ENDED DECEMBER 31, 2015 2014 2013 (IN THOUSANDS) INCOME Inter-entity management and other fees $ 2,432 $ 2,432 $ 2,355 Dividends from banking subsidiary 5,100 1,500 5,500 Dividends from non-banking subsidiaries 975 870 675 Interest, dividend and other income 669 262 243 TOTAL INCOME 9,176 5,064 8,773 EXPENSE Interest expense 1,125 1,121 1,121 Salaries and employee benefits 2,302 2,576 2,502 Other expense 1,563 1,996 1,608 TOTAL EXPENSE 4,990 5,693 5,231 INCOME (LOSS) BEFORE INCOME TAXES AND EQUITY IN UNDISTRIBUTED EARNINGS OF SUBSIDIARIES 4,187 (629 ) 3,542 Benefit for income taxes 642 1,020 895 Equity in undistributed earnings of subsidiaries 1,168 2,632 756 NET INCOME $ 5,997 $ 3,023 $ 5,193 COMPREHENSIVE INCOME $ 5,344 $ 1,996 $ 4,697
Condensed Cash Flow Statement [Table Text Block]	STATEMENTS OF CASH FLOWS YEAR ENDED DECEMBER 31, 2015 2014 2013 (IN THOUSANDS) OPERATING ACTIVITIES Net income $ 5,997 $ 3,023 $ 5,193 Adjustment to reconcile net income to net cash (used in) provided by operating activities: Equity in undistributed earnings of subsidiaries (1,168 ) (2,632 ) (756 ) Stock compensation expense 29 42 82 Other – net 842 (505 ) (718 ) NET CASH PROVIDED BY (USED IN) OPERATING ACTIVITIES 5,700 (72 ) 3,801 INVESTING ACTIVITIES Purchase of investment securities – available for sale (1,533 ) (2,027 ) (3,885 ) Proceeds from maturity of investment securities – available for sale 4,669 2,284 2,506 Proceeds from life insurance policies 719 — — NET CASH PROVIDED BY (USED IN) INVESTING ACTIVITIES 3,855 257 (1,379 ) FINANCING ACTIVITIES Purchase of treasury stock — — (1,171 ) Subordinated debt issuance, net 7,418 — — Preferred stock dividends paid (210 ) (210 ) (209 ) Common stock dividends paid (754 ) (752 ) (566 ) NET CASH PROVIDED BY (USED IN) FINANCING ACTIVITIES 6,454 (962 ) (1,946 ) NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS 16,009 (777 ) 476 CASH AND CASH EQUIVALENTS AT JANUARY 1 5,884 6,661 6,185 CASH AND CASH EQUIVALENTS AT DECEMBER 31 $ 21,893 $ 5,884 $ 6,661

SELECTED QUARTERLY CONSOLIDAT57

SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA (Tables)	12 Months Ended
	Dec. 31, 2015
Quarterly Financial Information Disclosure [Abstract]
Schedule of Quarterly Financial Information [Table Text Block]	The following table sets forth certain unaudited quarterly consolidated financial data regarding the Company: 2015 QUARTER ENDED DEC. 31 SEPT. 30 JUNE 30 MARCH 31 (IN THOUSANDS, EXCEPT PER SHARE DATA) Interest income $ 10,282 $ 10,667 $ 10,409 $ 10,523 Interest expense 1,690 1,632 1,609 1,589 Net interest income 8,592 9,035 8,800 8,934 Provision for loan losses 500 300 200 250 Net interest income after provision for loan 8,092 8,735 8,600 8,684 Non-interest income 3,848 4,015 3,692 3,712 Non-interest expense 10,170 10,219 10,239 10,410 Income before income taxes 1,770 2,531 2,053 1,986 Provision for income taxes 396 698 632 617 Net income $ 1,374 $ 1,833 $ 1,421 $ 1,369 Basic earnings per common share $ 0.07 $ 0.09 $ 0.07 $ 0.07 Diluted earnings per common share 0.07 0.09 0.07 0.07 Cash dividends declared per common share 0.01 0.01 0.01 0.01 2014 QUARTER ENDED DEC. 31 SEPT. 30 JUNE 30 MARCH 31 (IN THOUSANDS, EXCEPT PER SHARE DATA) Interest income $ 10,344 $ 10,019 $ 9,983 $ 10,095 Interest expense 1,612 1,616 1,599 1,570 Net interest income 8,732 8,403 8,384 8,525 Provision (credit) for loan losses 375 — — — Net interest income after provision (credit) for loan losses 8,357 8,403 8,384 8,525 Non-interest income 3,560 3,593 3,638 3,532 Non-interest expense 10,770 11,243 10,620 10,738 Income before income taxes 1,147 753 1,402 1,319 Provision for income taxes 398 388 423 389 Net income $ 749 $ 365 $ 979 $ 930 Basic earnings per common share $ 0.04 $ 0.02 $ 0.05 $ 0.05 Diluted earnings per common share 0.04 0.02 0.05 0.05 Cash dividends declared per common share 0.01 0.01 0.01 0.01

SUMMARY OF SIGNIFICANT ACCOUN58

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Numerator:
Net income	$ 1,374	$ 1,833	$ 1,421	$ 1,369	$ 749	$ 365	$ 979	$ 930	$ 5,997	$ 3,023	$ 5,193
Preferred stock dividends									210	210	209
Net income available to common shareholders									$ 5,787	$ 2,813	$ 4,984
Denominator:
Weighted average common shares outstanding (basic)									18,863	18,793	18,942
Effect of stock options									70	115	92
Weighted average common shares outstanding (diluted)									18,933	18,908	19,034
Earnings per common share:
Basic	$ 0.07	$ 0.09	$ 0.07	$ 0.07	$ 0.04	$ 0.02	$ 0.05	$ 0.05	$ 0.31	$ 0.15	$ 0.26
Diluted	$ 0.07	$ 0.09	$ 0.07	$ 0.07	$ 0.04	$ 0.02	$ 0.05	$ 0.05	$ 0.31	$ 0.15	$ 0.26

SUMMARY OF SIGNIFICANT ACCOUN59

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details Textual)	12 Months Ended
	Dec. 31, 2015USD ($)$ / sharesshares	Dec. 31, 2014USD ($)$ / sharesshares	Dec. 31, 2013USD ($)$ / sharesshares
Summary Of Significant Accounting Policies [Line Items]
Number of Stores	17
Assets Held-in-trust, Total	$ 2,000,000,000
Federal Home Loan Bank Stock Par Value | $ / shares	$ 100
Threshold Period Past Due for Write-off of Financing Receivable	90 days
Financing Receivable Allowance For Credit Losses Threshold For Individually Evaluating Of Impairment	$ 250,000
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount | shares	58,788	3,625	103,570
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price | $ / shares	$ 2.58	$ 2.36	$ 2.25
Stock or Unit Option Plan Expense	$ 29,000	$ 42,000	$ 82,000
Income Taxes Paid	1,554,000	1,063,000	137,000
Real Estate Owned, Transfer from Real Estate Owned	189,000	660,000	766,000
Interest Paid, Total	$ 6,575,000	$ 6,475,000	$ 6,781,000
Minimum [Member]
Summary Of Significant Accounting Policies [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price | $ / shares	$ 3.23	$ 4.60	$ 3.05
Maximum [Member]
Summary Of Significant Accounting Policies [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price | $ / shares	$ 4.70	$ 5.22	$ 5.75
Commercial Portfolio Segment [Member]
Summary Of Significant Accounting Policies [Line Items]
Financing Receivable Allowance For Credit Losses Threshold For Individually Evaluating Of Impairment	$ 250,000
Small Business Loans [Member]
Summary Of Significant Accounting Policies [Line Items]
Financing Receivable Allowance For Credit Losses Threshold For Collectively Evaluating Of Impairment	$ 250,000
Building [Member]
Summary Of Significant Accounting Policies [Line Items]
Property, Plant and Equipment, Useful Life	30 years
Equipment [Member]
Summary Of Significant Accounting Policies [Line Items]
Property, Plant and Equipment, Useful Life	10 years

CASH AND DUE FROM DEPOSITORY 60

CASH AND DUE FROM DEPOSITORY INSTITUTIONS (Details Textual) - USD ($)	Dec. 31, 2015	Dec. 31, 2014
Restricted Cash and Cash Equivalents	$ 2,000	$ 2,000

INVESTMENT SECURITIES (Details)

INVESTMENT SECURITIES (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Available-For-Sale-Securities-And-Held-To-Maturity-Securities
Investment securities available for sale, Cost Basis	$ 118,242	$ 124,316
Investment securities available for sale, Gross Unrealized Gains	1,993	3,279
Investment securities available for sale, Gross Unrealized Losses	(768)	(485)
Available for Sale, Fair Value, Total	119,467	127,110
Investment securities held to maturity, Cost Basis	21,419	19,840
Investment securities held to maturity, Gross Unrealized Gains	317	475
Investment securities held to maturity, Gross Unrealized Losses	(203)	(102)
Held to Maturity, Fair Value, Total	21,533	20,213
U.S. Agency [Member]
Available-For-Sale-Securities-And-Held-To-Maturity-Securities
Investment securities available for sale, Cost Basis	2,900	5,931
Investment securities available for sale, Gross Unrealized Gains	0	21
Investment securities available for sale, Gross Unrealized Losses	(19)	(46)
Available for Sale, Fair Value, Total	2,881	5,906
Corporate bonds [Member]
Available-For-Sale-Securities-And-Held-To-Maturity-Securities
Investment securities available for sale, Cost Basis	18,541	15,497
Investment securities available for sale, Gross Unrealized Gains	18	61
Investment securities available for sale, Gross Unrealized Losses	(307)	(122)
Available for Sale, Fair Value, Total	18,252	15,436
U.S. Agency mortgage-backed securities [Member]
Available-For-Sale-Securities-And-Held-To-Maturity-Securities
Investment securities available for sale, Cost Basis	96,801	102,888
Investment securities available for sale, Gross Unrealized Gains	1,975	3,197
Investment securities available for sale, Gross Unrealized Losses	(442)	(317)
Available for Sale, Fair Value, Total	98,334	105,768
Investment securities held to maturity, Cost Basis	10,827	12,481
Investment securities held to maturity, Gross Unrealized Gains	247	395
Investment securities held to maturity, Gross Unrealized Losses	(53)	(50)
Held to Maturity, Fair Value, Total	11,021	12,826
Taxable Municipal [Member]
Available-For-Sale-Securities-And-Held-To-Maturity-Securities
Investment securities held to maturity, Cost Basis	5,592	3,364
Investment securities held to maturity, Gross Unrealized Gains	67	74
Investment securities held to maturity, Gross Unrealized Losses	(65)	(24)
Held to Maturity, Fair Value, Total	5,594	3,414
Corporate bonds and other securities [Member]
Available-For-Sale-Securities-And-Held-To-Maturity-Securities
Investment securities held to maturity, Cost Basis	5,000	3,995
Investment securities held to maturity, Gross Unrealized Gains	3	6
Investment securities held to maturity, Gross Unrealized Losses	(85)	(28)
Held to Maturity, Fair Value, Total	$ 4,918	$ 3,973

INVESTMENT SECURITIES (Details

INVESTMENT SECURITIES (Details 1) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Contractual maturities of securities
Available for Sale, Cost Basis, Within 1 year	$ 1,000
Available for Sale, Cost Basis, After 1 year but within 5 years	11,606
Available for Sale, Cost Basis, After 5 years but within 10 years	26,848
Available for Sale, Cost Basis, After 10 years but within15 years	41,448
Available for Sale, Cost Basis, Over 15 years	37,340
Available for Sale, Cost Basis, Total	$ 118,242
Available for Sale, Within 1 year, Yield	2.31%
Available for Sale, After 1 year but within 5 years, Yield	1.98%
Available for Sale, After 5 year but within 10 years, Yield	2.86%
Available for Sale, After 10 year but within 15 years, Yield	2.45%
Available for Sale, Over 15 years, Yield	2.37%
Available for Sale, Yield, Total	2.47%
Available for Sale, Fair Value, Within 1 year	$ 999
Available for Sale, Fair Value, After 1 year but within 5 years	11,615
Available for Sale, Fair Value, After 5 years but within 10 years	27,123
Available for Sale, Fair Value, After 10 years but within15 years	41,834
Available for Sale, Fair Value, Over 15 years	37,896
Available for Sale, Fair Value, Total	119,467	$ 127,110
Held to Maturity, Cost Basis, Within 1 year	1,000
Held to Maturity, Cost Basis, After 1 year but within 5 years	2,000
Held to Maturity, Cost Basis, After 5 years but within 10 years	7,617
Held to Maturity, Cost Basis, After 10 years but within 15 years	2,115
Held to Maturity, Cost Basis, Over 15 years	8,687
Held to Maturity, Cost Basis, Total	21,419	19,840
Held to Maturity, Fair Value, Within 1 year	995
Held to Maturity, Fair Value, After 1 year but within 5 years	1,930
Held to Maturity, Fair Value, After 5 years but within 10 years	7,567
Held to Maturity, Fair Value, After 10 years but within 15 years	2,081
Held to Maturity, Fair Value, Over 15 years	8,960
Held to Maturity, Fair Value, Total	$ 21,533	$ 20,213
Held to Maturity, Within 1 year, Yield	1.67%
Held to Maturity, After 1 year but within 5 years, Yield	1.78%
Held to Maturity, After 5 years but within 10 years, Yield	3.42%
Held to Maturity, After 10 years but within 15 years, Yield	3.85%
Held to Maturity, Over 15 years, Yield	3.45%
Held to Maturity, Yield, Total	3.24%
Corporate Bond Securities [Member]
Contractual maturities of securities
Available for Sale, Cost Basis, Within 1 year	$ 1,000
Available for Sale, Cost Basis, After 1 year but within 5 years	8,000
Available for Sale, Cost Basis, After 5 years but within 10 years	9,541
Available for Sale, Cost Basis, After 10 years but within15 years	0
Available for Sale, Cost Basis, Over 15 years	0
Available for Sale, Cost Basis, Total	$ 18,541
Available for Sale, Within 1 year, Yield	2.31%
Available for Sale, After 1 year but within 5 years, Yield	1.82%
Available for Sale, After 5 year but within 10 years, Yield	2.64%
Available for Sale, After 10 year but within 15 years, Yield	0.00%
Available for Sale, Over 15 years, Yield	0.00%
Available for Sale, Yield, Total	2.27%
Available for Sale, Fair Value, Within 1 year	$ 999
Available for Sale, Fair Value, After 1 year but within 5 years	7,977
Available for Sale, Fair Value, After 5 years but within 10 years	9,276
Available for Sale, Fair Value, After 10 years but within15 years	0
Available for Sale, Fair Value, Over 15 years	0
Available for Sale, Fair Value, Total	18,252
U.S. Agency [Member]
Contractual maturities of securities
Available for Sale, Cost Basis, Within 1 year	0
Available for Sale, Cost Basis, After 1 year but within 5 years	2,400
Available for Sale, Cost Basis, After 5 years but within 10 years	500
Available for Sale, Cost Basis, After 10 years but within15 years	0
Available for Sale, Cost Basis, Over 15 years	0
Available for Sale, Cost Basis, Total	$ 2,900
Available for Sale, Within 1 year, Yield	0.00%
Available for Sale, After 1 year but within 5 years, Yield	1.27%
Available for Sale, After 5 year but within 10 years, Yield	1.97%
Available for Sale, After 10 year but within 15 years, Yield	0.00%
Available for Sale, Over 15 years, Yield	0.00%
Available for Sale, Yield, Total	1.39%
Available for Sale, Fair Value, Within 1 year	$ 0
Available for Sale, Fair Value, After 1 year but within 5 years	2,385
Available for Sale, Fair Value, After 5 years but within 10 years	496
Available for Sale, Fair Value, After 10 years but within15 years	0
Available for Sale, Fair Value, Over 15 years	0
Available for Sale, Fair Value, Total	2,881
U.S. Agency mortgage-backed securities [Member]
Contractual maturities of securities
Available for Sale, Cost Basis, Within 1 year	0
Available for Sale, Cost Basis, After 1 year but within 5 years	1,206
Available for Sale, Cost Basis, After 5 years but within 10 years	16,807
Available for Sale, Cost Basis, After 10 years but within15 years	41,448
Available for Sale, Cost Basis, Over 15 years	37,340
Available for Sale, Cost Basis, Total	$ 96,801
Available for Sale, Within 1 year, Yield	0.00%
Available for Sale, After 1 year but within 5 years, Yield	4.39%
Available for Sale, After 5 year but within 10 years, Yield	3.01%
Available for Sale, After 10 year but within 15 years, Yield	2.45%
Available for Sale, Over 15 years, Yield	2.37%
Available for Sale, Yield, Total	2.54%
Available for Sale, Fair Value, Within 1 year	$ 0
Available for Sale, Fair Value, After 1 year but within 5 years	1,253
Available for Sale, Fair Value, After 5 years but within 10 years	17,351
Available for Sale, Fair Value, After 10 years but within15 years	41,834
Available for Sale, Fair Value, Over 15 years	37,896
Available for Sale, Fair Value, Total	98,334
Held to Maturity, Cost Basis, Within 1 year	0
Held to Maturity, Cost Basis, After 1 year but within 5 years	0
Held to Maturity, Cost Basis, After 5 years but within 10 years	2,898
Held to Maturity, Cost Basis, After 10 years but within 15 years	0
Held to Maturity, Cost Basis, Over 15 years	7,929
Held to Maturity, Cost Basis, Total	10,827
Held to Maturity, Fair Value, Within 1 year	0
Held to Maturity, Fair Value, After 1 year but within 5 years	0
Held to Maturity, Fair Value, After 5 years but within 10 years	2,857
Held to Maturity, Fair Value, After 10 years but within 15 years	0
Held to Maturity, Fair Value, Over 15 years	8,164
Held to Maturity, Fair Value, Total	$ 11,021
Held to Maturity, Within 1 year, Yield	0.00%
Held to Maturity, After 1 year but within 5 years, Yield	0.00%
Held to Maturity, After 5 years but within 10 years, Yield	2.40%
Held to Maturity, After 10 years but within 15 years, Yield	0.00%
Held to Maturity, Over 15 years, Yield	3.30%
Held to Maturity, Yield, Total	3.06%
Corporate Bonds And Other Securities [Member]
Contractual maturities of securities
Held to Maturity, Cost Basis, Within 1 year	$ 1,000
Held to Maturity, Cost Basis, After 1 year but within 5 years	2,000
Held to Maturity, Cost Basis, After 5 years but within 10 years	4,719
Held to Maturity, Cost Basis, After 10 years but within 15 years	2,115
Held to Maturity, Cost Basis, Over 15 years	758
Held to Maturity, Cost Basis, Total	10,592
Held to Maturity, Fair Value, Within 1 year	995
Held to Maturity, Fair Value, After 1 year but within 5 years	1,930
Held to Maturity, Fair Value, After 5 years but within 10 years	4,710
Held to Maturity, Fair Value, After 10 years but within 15 years	2,081
Held to Maturity, Fair Value, Over 15 years	796
Held to Maturity, Fair Value, Total	$ 10,512
Held to Maturity, Within 1 year, Yield	1.67%
Held to Maturity, After 1 year but within 5 years, Yield	1.78%
Held to Maturity, After 5 years but within 10 years, Yield	4.05%
Held to Maturity, After 10 years but within 15 years, Yield	3.85%
Held to Maturity, Over 15 years, Yield	4.97%
Held to Maturity, Yield, Total	3.42%

INVESTMENT SECURITIES (Detail63

INVESTMENT SECURITIES (Details 2) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Information concerning investments with unrealized losses
Less than 12 months, Fair Value	$ 47,346	$ 6,932
Less than 12 months, Unrealized Losses	(484)	(61)
12 months or longer, Fair Value	17,249	33,145
12 months or longer, Unrealized Losses	(487)	(526)
Total, Fair Value	64,595	40,077
Total, Unrealized Losses	(971)	(587)
U.S. Agency [Member]
Information concerning investments with unrealized losses
Less than 12 months, Fair Value	1,486	996
Less than 12 months, Unrealized Losses	(14)	(4)
12 months or longer, Fair Value	395	2,858
12 months or longer, Unrealized Losses	(5)	(42)
Total, Fair Value	1,881	3,854
Total, Unrealized Losses	(19)	(46)
U.S. Agency mortgage-backed securities [Member]
Information concerning investments with unrealized losses
Less than 12 months, Fair Value	33,359	2,826
Less than 12 months, Unrealized Losses	(245)	(13)
12 months or longer, Fair Value	9,088	20,408
12 months or longer, Unrealized Losses	(250)	(354)
Total, Fair Value	42,447	23,234
Total, Unrealized Losses	(495)	(367)
Taxable Municipal [Member]
Information concerning investments with unrealized losses
Less than 12 months, Fair Value	3,617	150
Less than 12 months, Unrealized Losses	(65)	(1)
12 months or longer, Fair Value	0	988
12 months or longer, Unrealized Losses	0	(23)
Total, Fair Value	3,617	1,138
Total, Unrealized Losses	(65)	(24)
Corporate bonds and other securities [Member]
Information concerning investments with unrealized losses
Less than 12 months, Fair Value	8,884	2,960
Less than 12 months, Unrealized Losses	(160)	(43)
12 months or longer, Fair Value	7,766	8,891
12 months or longer, Unrealized Losses	(232)	(107)
Total, Fair Value	16,650	11,851
Total, Unrealized Losses	$ (392)	$ (150)

INVESTMENT SECURITIES (Detail64

INVESTMENT SECURITIES (Details Textual) - USD ($)	12 Months Ended
	Dec. 31, 2015		Dec. 31, 2014		Dec. 31, 2013
Investments [Line Items]
Gross investment gains	$ 107,000		$ 182,000		$ 289,000
Gross investment losses	36,000		5,000		85,000
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Net of Tax	47,000		117,000		135,000
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Tax	25,000	[1]	60,000	[1]	69,000
Investment Securities:
Proceeds from sales of investment securities — available for sale	3,570,000		5,242,000		$ 11,185,000
Book value of securities available for sale and held to maturity	$ 87,096,000		$ 104,780,000
Held-to-maturity, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions	64
Corporate bonds and other securities [Member]
Investment Securities:
Held To Maturity Securities Weighted Average Maturity Term	6 years 7 days
Corporate bonds [Member]
Investment Securities:
Available For Sale Securities Debt Maturities Weighted Average Maturity Term	4 years 5 months 19 days
U.S. Agency [Member]
Investment Securities:
Available For Sale Securities Debt Maturities Weighted Average Maturity Term	2 years 4 months 2 days
U.S. Agency mortgage-backed securities [Member]
Investment Securities:
Available For Sale Securities Debt Maturities Weighted Average Maturity Term	4 years 5 months 5 days
Held To Maturity Securities Weighted Average Maturity Term	5 years 3 months 29 days
Standard & Poor's, AAA Rating [Member]
Investments [Line Items]
Portfolio rated	79.10%		84.10%
Standard & Poor's, A Rating [Member]
Investments [Line Items]
Portfolio rated	5.70%
[1]	Amounts in parentheses indicate credits.

LOANS (Details)

LOANS (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	$ 880,984	$ 827,080
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	181,066	139,126
Commercial loans secured by real estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	421,637	410,329
Real estate-mortgage [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	257,937	258,616
Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	$ 20,344	$ 19,009

LOANS (Details Textual)

LOANS (Details Textual) - USD ($)	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Impaired [Line Items]
Real estate-construction loans, percentage	3.00%	3.50%
Loan balances net of unearned income	$ 557,000	$ 554,000
Loans and Leases Receivable, Related Parties	$ 846,000	$ 847,000

ALLOWANCE FOR LOAN LOSSES (Deta

ALLOWANCE FOR LOAN LOSSES (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 9,623	$ 10,104	$ 12,571
Charge-offs	(1,361)	(1,323)	(2,120)
Recoveries	409	467	753
Provision (Credit)	1,250	375	(1,100)
Balance at end of period	9,921	9,623	10,104
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	3,262	2,844	2,596
Charge-offs	(170)	(172)	(50)
Recoveries	101	141	80
Provision (Credit)	1,051	449	218
Balance at end of period	4,244	3,262	2,844
Commercial loans secured by real estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	3,902	4,885	7,796
Charge-offs	(250)	(708)	(1,777)
Recoveries	111	231	481
Provision (Credit)	(314)	(506)	(1,615)
Balance at end of period	3,449	3,902	4,885
Real estate-mortgage [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	1,310	1,260	1,269
Charge-offs	(753)	(322)	(139)
Recoveries	171	71	122
Provision (Credit)	445	301	8
Balance at end of period	1,173	1,310	1,260
Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	190	136	150
Charge-offs	(188)	(121)	(154)
Recoveries	26	24	70
Provision (Credit)	123	151	70
Balance at end of period	151	190	136
Allocation for general risk [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	959	979	760
Charge-offs	0	0	0
Recoveries	0	0	0
Provision (Credit)	(55)	(20)	219
Balance at end of period	$ 904	$ 959	$ 979

ALLOWANCE FOR LOAN LOSSES (De68

ALLOWANCE FOR LOAN LOSSES (Details 1) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	$ 4,502	$ 989
Collectively evaluated for impairment	876,482	826,091
Total Loans	880,984	827,080
Specific reserve allocation	1,387	520
General reserve allocation	8,534	9,103
Total allowance for loan losses	9,921	9,623	$ 10,104	$ 12,571
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	4,416	0
Collectively evaluated for impairment	176,650	139,126
Total Loans	181,066	139,126
Specific reserve allocation	1,387	0
General reserve allocation	2,857	3,262
Total allowance for loan losses	4,244	3,262	2,844	2,596
Commercial loans secured by real estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	86	989
Collectively evaluated for impairment	421,551	409,340
Total Loans	421,637	410,329
Specific reserve allocation	0	520
General reserve allocation	3,449	3,382
Total allowance for loan losses	3,449	3,902	4,885	7,796
Real estate-mortgage [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	257,937	258,616
Total Loans	257,937	258,616
Specific reserve allocation	0	0
General reserve allocation	1,173	1,310
Total allowance for loan losses	1,173	1,310	1,260	1,269
Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	20,344	19,009
Total Loans	20,344	19,009
Specific reserve allocation	0	0
General reserve allocation	151	190
Total allowance for loan losses	151	190	136	150
Allocation for general risk [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Specific reserve allocation	0	0
General reserve allocation	904	959
Total allowance for loan losses	$ 904	$ 959	$ 979	$ 760

ALLOWANCE FOR LOAN LOSSES (De69

ALLOWANCE FOR LOAN LOSSES (Details 2) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	$ 4,502	$ 989
Related Allowance	1,400	520
Unpaid Principal Balance	4,943	1,069
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	4,416
Unpaid Principal Balance	4,421
Commercial loans secured by real estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	86	989
Unpaid Principal Balance	522	1,069
Impaired Loans with Specific Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	4,416	989
Related Allowance	1,387	520
Impaired Loans with Specific Allowance [Member] | Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	4,416
Related Allowance	1,387
Impaired Loans with Specific Allowance [Member] | Commercial loans secured by real estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	0	989
Related Allowance	0	520
Impaired Loans with No Specific Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	86	0
Impaired Loans with No Specific Allowance [Member] | Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	0
Impaired Loans with No Specific Allowance [Member] | Commercial loans secured by real estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	$ 86	$ 0

ALLOWANCE FOR LOAN LOSSES (De70

ALLOWANCE FOR LOAN LOSSES (Details 3) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Average recorded investment in impaired loans and related interest income recognized
Average investment in impaired loans	$ 2,146	$ 1,756	$ 2,509
Interest income recognized:
Interest income recognized on a cash basis on impaired loans	27	12	14
Commercial [Member]
Average recorded investment in impaired loans and related interest income recognized
Average investment in impaired loans	1,271	0	13
Interest income recognized:
Interest income recognized on a cash basis on impaired loans	10	0	0
Commercial loans secured by real estate [Member]
Average recorded investment in impaired loans and related interest income recognized
Average investment in impaired loans	866	1,756	2,459
Interest income recognized:
Interest income recognized on a cash basis on impaired loans	17	12	11
Consumer [Member]
Average recorded investment in impaired loans and related interest income recognized
Average investment in impaired loans	9	0	37
Interest income recognized:
Interest income recognized on a cash basis on impaired loans	$ 0	$ 0	$ 3

ALLOWANCE FOR LOAN LOSSES (De71

ALLOWANCE FOR LOAN LOSSES (Details 4) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	$ 602,703	$ 549,455
Commercial [Member]
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	181,066	139,126
Commercial loans secured by real estate [Member]
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	421,637	410,329
Pass [Member]
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	590,947	538,860
Pass [Member] | Commercial [Member]
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	174,616	132,665
Pass [Member] | Commercial loans secured by real estate [Member]
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	416,331	406,195
Special Mention [Member]
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	4,911	781
Special Mention [Member] | Commercial [Member]
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	1,811	161
Special Mention [Member] | Commercial loans secured by real estate [Member]
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	3,100	620
Substandard [Member]
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	5,506	9,402
Substandard [Member] | Commercial [Member]
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	3,318	6,164
Substandard [Member] | Commercial loans secured by real estate [Member]
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	2,188	3,238
Doubtful [Member]
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	1,339	412
Doubtful [Member] | Commercial [Member]
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	1,321	136
Doubtful [Member] | Commercial loans secured by real estate [Member]
Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system
Loan portfolio	$ 18	$ 276

ALLOWANCE FOR LOAN LOSSES (De72

ALLOWANCE FOR LOAN LOSSES (Details 5) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Performing [Member]
Performing and non-performing outstanding balances of the residential and consumer portfolios
Outstanding balance of consumer loan	$ 276,493	$ 276,208
Performing [Member] | Real estate-mortgage [Member]
Performing and non-performing outstanding balances of the residential and consumer portfolios
Outstanding balance of consumer loan	256,149	257,199
Performing [Member] | Consumer [Member]
Performing and non-performing outstanding balances of the residential and consumer portfolios
Outstanding balance of consumer loan	20,344	19,009
Non-Performing [Member]
Performing and non-performing outstanding balances of the residential and consumer portfolios
Outstanding balance of consumer loan	1,788	1,417
Non-Performing [Member] | Real estate-mortgage [Member]
Performing and non-performing outstanding balances of the residential and consumer portfolios
Outstanding balance of consumer loan	1,788	1,417
Non-Performing [Member] | Consumer [Member]
Performing and non-performing outstanding balances of the residential and consumer portfolios
Outstanding balance of consumer loan	$ 0	$ 0

ALLOWANCE FOR LOAN LOSSES (De73

ALLOWANCE FOR LOAN LOSSES (Details 6) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Current	$ 871,866	$ 823,123
Past Due	9,118	3,957
Total Loans	880,984	827,080
90 Days Past Due and Still Accruing	0	0
30-59 Days Past Due [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Past Due	3,422	2,550
60-89 Days Past Due [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Past Due	5,147	340
90 Days Past Due [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Past Due	549	1,067
Commercial [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Current	176,216	139,126
Past Due	4,850	0
Total Loans	181,066	139,126
90 Days Past Due and Still Accruing	0	0
Commercial [Member] | 30-59 Days Past Due [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Past Due	489	0
Commercial [Member] | 60-89 Days Past Due [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Past Due	4,361	0
Commercial [Member] | 90 Days Past Due [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Past Due	0	0
Commercial loans secured by real estate [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Current	421,247	410,049
Past Due	390	280
Total Loans	421,637	410,329
90 Days Past Due and Still Accruing	0	0
Commercial loans secured by real estate [Member] | 30-59 Days Past Due [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Past Due	208	280
Commercial loans secured by real estate [Member] | 60-89 Days Past Due [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Past Due	182	0
Commercial loans secured by real estate [Member] | 90 Days Past Due [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Past Due	0	0
Real estate-mortgage [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Current	254,288	255,021
Past Due	3,649	3,595
Total Loans	257,937	258,616
90 Days Past Due and Still Accruing	0	0
Real estate-mortgage [Member] | 30-59 Days Past Due [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Past Due	2,658	2,196
Real estate-mortgage [Member] | 60-89 Days Past Due [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Past Due	442	332
Real estate-mortgage [Member] | 90 Days Past Due [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Past Due	549	1,067
Consumer [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Current	20,115	18,927
Past Due	229	82
Total Loans	20,344	19,009
90 Days Past Due and Still Accruing	0	0
Consumer [Member] | 30-59 Days Past Due [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Past Due	67	74
Consumer [Member] | 60-89 Days Past Due [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Past Due	162	8
Consumer [Member] | 90 Days Past Due [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Past Due	$ 0	$ 0

ALLOWANCE FOR LOAN LOSSES (De74

ALLOWANCE FOR LOAN LOSSES (Details Textual)	12 Months Ended
	Dec. 31, 2015USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individual loan balance is classified as nonaccrual status or troubled debt restructure	$ 100,000
Debt Instrument, Face Amount	4,100,000
Debt Instrument Non Performing Assets	$ 5,300,000
Percentage for Total Loans	0.71%
Commercial Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Threshold for individually evaluating loans	$ 250,000
Pass [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Minimum individual loan balance requiring quarterly review	1,000,000
Special Mention [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Minimum individual loan balance requiring quarterly review	250,000
Doubtful [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Minimum individual loan balance requiring quarterly review	$ 100,000
Minimum [Member] | Commercial Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Minimum percent of portfolio to be reviewed	50.00%
Maximum [Member] | Commercial Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Minimum percent of portfolio to be reviewed	55.00%

NON-PERFORMING ASSETS INCLUDI75

NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Non-performing assets including TDR
Non-accrual loans	$ 6,066	$ 2,195
Other real estate owned	75	512
Total restructured loans not in non-accrual (TDR)	156	210
Total non-performing assets including TDR	$ 6,297	$ 2,917
Total non-performing assets as a percent of loans, net of unearned income, and other real estate owned	0.71%	0.35%
Commercial [Member]
Non-performing assets including TDR
Non-accrual loans	$ 4,260	$ 0
Commercial loans secured by real estate [Member]
Non-performing assets including TDR
Non-accrual loans	18	778
Other real estate owned	0	384
Real estate-mortgage [Member]
Non-performing assets including TDR
Non-accrual loans	1,788	1,417
Other real estate owned	$ 75	$ 128

NON-PERFORMING ASSETS INCLUDI76

NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (Details 1) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)Number	Dec. 31, 2014USD ($)Number	Dec. 31, 2013USD ($)Number
Loans in accrual status [Member] | Commercial loans secured by real estate [Member]
Schedule of TDRs
Concession Granted	Extension of maturity date	Extension of maturity date	Extension of maturity date
Number of loans | Number	1	2	2
Current Balance | $	$ 156	$ 742	$ 161
Loans in accrual status [Member] | Consumer [Member]
Schedule of TDRs
Concession Granted			Extension of maturity date
Number of loans | Number			2
Current Balance | $			$ 61
Loans in non-accrual status [Member] | Commercial loans secured by real estate [Member]
Schedule of TDRs
Concession Granted	Extension of maturity date	Extension of maturity date	Extension of maturity date
Number of loans | Number	6	2	2
Current Balance | $	$ 4,320	$ 210	$ 1,250

NON-PERFORMING ASSETS INCLUDI77

NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (Details 2) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Recorded investment of defaults
Commercial Loan Receivable Modifications Recorded Investment	$ 0	$ 0	$ 1,480
Commercial loan secured by real estate [Member]
Recorded investment of defaults
Commercial Loan Receivable Modifications Recorded Investment	$ 0	$ 0	$ 1,480

NON-PERFORMING ASSETS INCLUDI78

NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (Details 3) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Schedule of Interest Income
Interest income due in accordance with original terms	$ 94	$ 136	$ 178
Interest income recorded	0	0	0
Net reduction in interest income	$ 94	$ 136	$ 178

NON-PERFORMING ASSETS INCLUDI79

NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (Details Textual) - USD ($)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2015
Aggregate of multiple consecutive maturity date extensions delay in payment, days	120 days
Borrowers aggregate exposure for loan modification minimum	$ 250,000
ALL reserve for TDR's	520,000	$ 1,400,000
Mortgage Loans in Process of Foreclosure, Amount		323,000
Residential Real Estate [Member]
Other Assets, Noncurrent	$ 128,000	$ 75,000

PREMISES AND EQUIPMENT (Details

PREMISES AND EQUIPMENT (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Property, Plant and Equipment [Line Items]
Cost	$ 34,281	$ 34,399
Less: Accumulated depreciation and amortization	22,173	21,387
Premises and equipment, net	12,108	13,012
Land [Member]
Property, Plant and Equipment [Line Items]
Cost	1,198	1,198
Premises [Member]
Property, Plant and Equipment [Line Items]
Cost	24,096	24,175
Furniture and equipment [Member]
Property, Plant and Equipment [Line Items]
Cost	8,291	8,337
Leasehold Improvements [Member]
Property, Plant and Equipment [Line Items]
Cost	$ 696	$ 689

PREMISES AND EQUIPMENT (Detai81

PREMISES AND EQUIPMENT (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Property, Plant and Equipment [Line Items]
Depreciation	$ 1,800	$ 1,800

DEPOSITS (Details)

DEPOSITS (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Demand:
Non-interest bearing	$ 188,947	$ 167,551
Interest bearing	92,037	89,676
Savings	93,949	90,020
Money market	258,818	221,378
Certificates of deposit in denominations of $100,000 or more	31,422	50,529
Other time	238,121	250,727
Total deposits	$ 903,294	$ 869,881

DEPOSITS (Details 1)

DEPOSITS (Details 1) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Interest bearing demand	$ 199	$ 191	$ 138
Savings	156	144	139
Money market	817	761	736
Certificates of deposit in denominations of $100,000 or more	266	268	289
Other time	3,314	3,525	3,862
Total interest expense	$ 4,752	$ 4,889	$ 5,164

DEPOSITS (Details 2)

DEPOSITS (Details 2) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
OTHER TIME DEPOSITS
2,016	$ 102,774
2,017	26,971
2,018	36,165
2,019	28,543
2,020	17,013
2021 and after	26,655
Total	238,121
CERTIFICATES OF DEPOSIT OF $100,000 OR MORE
2,016	28,288
2,017	1,988
2,018	945
2,019	100
2,020	0
2021 and after	101
Total	$ 31,422	$ 50,529

DEPOSITS (Details 3)

DEPOSITS (Details 3) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Three months or less	$ 6,868
Over three through six months	12,588
Over six through twelve months	8,832
Over twelve months	3,134
Total	$ 31,422	$ 50,529

DEPOSITS (Details Textual)

DEPOSITS (Details Textual) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Time Deposits	$ 238,121
FDIC Insurance Limit [Member]
Time Deposits	$ 46,100	$ 65,200

SHORT-TERM BORROWINGS (Details)

SHORT-TERM BORROWINGS (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Federal Funds Purchased [Member]
Short-term Debt [Line Items]
Balance	$ 0	$ 0	$ 0
Maximum indebtedness at any month end	0	0	0
Average balance during year	$ 0	$ 0	$ 959
Average rate paid for the year	0.00%	0.00%	0.34%
Interest rate on year-end balance	0.00%	0.00%	0.00%
Short-Term Borrowings [Member]
Short-term Debt [Line Items]
Balance	$ 48,748	$ 38,880	$ 41,555
Maximum indebtedness at any month end	65,071	47,762	41,555
Average balance during year	$ 24,582	$ 18,783	$ 16,482
Average rate paid for the year	0.35%	0.29%	0.26%
Interest rate on year-end balance	0.43%	0.27%	0.25%

SHORT-TERM BORROWINGS (Details

SHORT-TERM BORROWINGS (Details Textual)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Short-term Debt [Line Items]
Average maturity	3 days	1 day	1 day

ADVANCES FROM FEDERAL HOME LO89

ADVANCES FROM FEDERAL HOME LOAN BANK, GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES AND SUBORDINATED DEBT (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
WEIGHTED AVERAGE YIELD
2,016	0.81%	0.52%
2,017	1.06%	0.81%
2,018	1.48%	1.06%
2,019	1.73%	1.51%
2,020	1.69%	1.88%
Total advances from FHLB	1.27%	1.12%
BALANCE
2,016	$ 12,000	$ 4,000
2,017	12,000	12,000
2,018	12,000	12,000
2,019	7,000	10,000
2,020	5,000	4,000
Total advances from FHLB	$ 48,000	$ 42,000

ADVANCES FROM FEDERAL HOME LO90

ADVANCES FROM FEDERAL HOME LOAN BANK, GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES AND SUBORDINATED DEBT (Details Textual) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2005	Dec. 31, 2004	Dec. 29, 2015	Dec. 31, 2014
Federal Home Loan Bank, Advances, General Debt Obligations, Amount of Available, Unused Funds	$ 350,000,000
Federal Home Loan Bank, Advances, General Debt Obligations, Maximum Amount Available	39,000,000
Debt Instrument, Face Amount	4,100,000
Junior Subordinated Notes	$ 13,085,000				$ 13,085,000
Subordinated Debt [Member]
Debt Instrument, Face Amount				$ 7,650,000
Debt Instrument, Interest Rate, Stated Percentage	6.50%
Unamortized Debt Issuance Expense	$ 232,000
Cash	21,000,000
Guaranteed Junior Subordinated Deferrable Interest Debentures [Member]
Debt Instrument, Face Amount	$ 34,500,000
Debt Instrument, Interest Rate, Stated Percentage	8.45%
Debt Instrument, Maturity Date	Jun. 30, 2028
Debt Instrument, Call Date, Earliest	Jun. 30, 2003
Early Repayment of Subordinated Debt		$ 22,500,000	$ 22,500,000
Junior Subordinated Notes	$ 13,100,000				$ 13,100,000
Unamortized Debt Issuance Expense	193,000
Federal Reserve Bank [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Maximum Amount Available	$ 33,000,000

DISCLOSURES ABOUT FAIR VALUE 91

DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale	$ 119,467	$ 127,110
U.S. Agency Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale	2,881	5,906
U.S. Agency mortgage-backed securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale	98,334	105,768
Corporate Bond Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale	18,252	15,436
Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale		0
Level 1 [Member] | U.S. Agency Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale	0	0
Level 1 [Member] | U.S. Agency mortgage-backed securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale	0	0
Level 1 [Member] | Corporate Bond Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale	0	0
Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale		127,110
Level 2 [Member] | U.S. Agency Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale	2,881	5,906
Level 2 [Member] | U.S. Agency mortgage-backed securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale	98,334	105,768
Level 2 [Member] | Corporate Bond Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale	18,252	15,436
Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale		0
Level 3 [Member] | U.S. Agency Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale	0	0
Level 3 [Member] | U.S. Agency mortgage-backed securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale	0	0
Level 3 [Member] | Corporate Bond Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale	$ 0	$ 0

DISCLOSURES ABOUT FAIR VALUE 92

DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Details 1) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Carrying value of impaired loans		$ 4,502	$ 989
Fair Value Measurements, Nonrecurring Basis [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other real estate owned		75	512
Carrying value of impaired loans		$ 3,115	$ 469
Fair Value Measurements, Nonrecurring Basis [Member] | Impaired Loans [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Liquidation expenses	[1]		10.00%
Valuation Techniques	[2]	Appraisal of collateral	Appraisal of collateral
Appraisal of Adjustment	[1]	17.00%	30.00%
Carrying value of impaired loans			$ 469
Fair Value Measurements, Nonrecurring Basis [Member] | Other Real Estate Owned [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other real estate owned			$ 512
Liquidation expenses	[1]	25.00%	9.00%
Valuation Techniques	[2],[3]	Appraisal of collateral	Appraisal of collateral
Appraisal of Adjustment	[1]	35.00%	55.00%
Fair Value Measurements, Nonrecurring Basis [Member] | Minimum [Member] | Impaired Loans [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Liquidation expenses	[1]		1.00%
Appraisal of Adjustment	[1]	15.00%	0.00%
Fair Value Measurements, Nonrecurring Basis [Member] | Minimum [Member] | Other Real Estate Owned [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Liquidation expenses	[1]	10.00%	1.00%
Appraisal of Adjustment	[1]	23.00%	47.00%
Fair Value Measurements, Nonrecurring Basis [Member] | Maximum [Member] | Impaired Loans [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Liquidation expenses	[1]		15.00%
Appraisal of Adjustment	[1]	20.00%	37.00%
Fair Value Measurements, Nonrecurring Basis [Member] | Maximum [Member] | Other Real Estate Owned [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Liquidation expenses	[1]	59.00%	61.00%
Appraisal of Adjustment	[1]	49.00%	83.00%
Fair Value Measurements, Nonrecurring Basis [Member] | Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other real estate owned		$ 0	$ 0
Carrying value of impaired loans		0	0
Fair Value Measurements, Nonrecurring Basis [Member] | Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other real estate owned		0	0
Carrying value of impaired loans		0	0
Fair Value Measurements, Nonrecurring Basis [Member] | Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other real estate owned		75	512
Carrying value of impaired loans		3,115	$ 469
Fair Value Measurements, Nonrecurring Basis [Member] | Level 3 [Member] | Impaired Loans [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Carrying value of impaired loans		3,115
Fair Value Measurements, Nonrecurring Basis [Member] | Level 3 [Member] | Other Real Estate Owned [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other real estate owned		$ 75
[1]	Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses.
[2]	Fair Value is generally determined through independent appraisals of the underlying collateral, which generally include various level 3 inputs which are not identifiable.
[3]	Includes qualitative adjustments by management and estimated liquidation expenses.

DISCLOSURES ABOUT FAIR VALUE 93

DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Details Textual) - USD ($)	Dec. 31, 2015	Dec. 31, 2014
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Carrying value of impaired loans	$ 4,502,000	$ 989,000
Specific valuation allowance	1,400,000	520,000
Net fair value of impaired loans	$ 3,100,000	$ 469,000

DISCLOSURES ABOUT FAIR VALUE 94

DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
FINANCIAL ASSETS: Carrying Value
Cash and cash equivalents	$ 48,510	$ 32,872	$ 30,066	$ 26,820
Investment securities - AFS	119,467	127,110
Investment securities - HTM	21,419	19,840
Regulatory stock	6,753	6,173
Loans held for sale	3,003	5,051
Loans, net of allowance for loan loss and unearned income	871,063	817,457
Accrued interest income receivable	3,057	3,127
Bank owned life insurance	37,228	37,417
Cash and cash equivalents	48,510	32,872
Investment securities - AFS	119,467
Investment securities - HTM	21,533	20,213
Regulatory stock	6,753	6,173
Loans held for sale	3,003	5,051
Loans, net of allowance for loan loss and unearned income	869,591	819,935
Accrued interest income receivable	3,057	3,127
Bank owned life insurance	37,228	37,417
FINANCIAL LIABILITIES: Carrying Value
Deposits with no stated maturities	633,751	568,625
Deposits with stated maturities	269,543	301,256
All other borrowings	68,735	55,085
Accrued interest payable	1,651	1,706
Short-term borrowings	48,748	38,880
Deposits with no stated maturities	633,751	568,625
Deposits with stated maturities	271,909	304,744
Short-term borrowings	48,748	38,880
All other borrowings	72,241	59,256
Accrued interest payable	1,651	1,706
Level 1 [Member]
FINANCIAL ASSETS: Carrying Value
Investment securities - AFS		0
Loans held for sale	3,041	5,127
Cash and cash equivalents	48,510	32,872
Investment securities - AFS	0
Investment securities - HTM	0	0
Regulatory stock	6,753	6,173
Loans held for sale	3,041	5,127
Loans, net of allowance for loan loss and unearned income	0	0
Accrued interest income receivable	3,057	3,127
Bank owned life insurance	37,228	37,417
FINANCIAL LIABILITIES: Carrying Value
Deposits with no stated maturities	633,751	568,625
Deposits with stated maturities	0	0
Short-term borrowings	48,748	38,880
All other borrowings	0	0
Accrued interest payable	1,651	1,706
Level 2 [Member]
FINANCIAL ASSETS: Carrying Value
Investment securities - AFS		127,110
Loans held for sale	0	0
Cash and cash equivalents	0	0
Investment securities - AFS	119,467
Investment securities - HTM	18,608	17,241
Regulatory stock	0	0
Loans held for sale	0	0
Loans, net of allowance for loan loss and unearned income	0	0
Accrued interest income receivable	0	0
Bank owned life insurance	0	0
FINANCIAL LIABILITIES: Carrying Value
Deposits with no stated maturities	0	0
Deposits with stated maturities	0	0
Short-term borrowings	0	0
All other borrowings	0	0
Accrued interest payable	0	0
Level 3 [Member]
FINANCIAL ASSETS: Carrying Value
Investment securities - AFS		0
Loans held for sale		0
Cash and cash equivalents		0
Investment securities - HTM		2,972
Regulatory stock		0
Loans held for sale		0
Loans, net of allowance for loan loss and unearned income		819,935
Accrued interest income receivable		0
Bank owned life insurance		0
FINANCIAL LIABILITIES: Carrying Value
Deposits with no stated maturities		0
Deposits with stated maturities		304,744
Short-term borrowings		0
All other borrowings		59,256
Accrued interest payable		$ 0
Level 3 [Member] | Total Fair Value [Member]
FINANCIAL ASSETS: Carrying Value
Loans held for sale	0
Cash and cash equivalents	0
Investment securities - AFS	0
Investment securities - HTM	2,925
Regulatory stock	0
Loans held for sale	0
Loans, net of allowance for loan loss and unearned income	869,591
Accrued interest income receivable	0
Bank owned life insurance	0
FINANCIAL LIABILITIES: Carrying Value
Deposits with no stated maturities	0
Deposits with stated maturities	271,909
Short-term borrowings	0
All other borrowings	72,241
Accrued interest payable	$ 0

INCOME TAXES (Details)

INCOME TAXES (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Current									$ 1,455	$ 1,036	$ 139
Deferred									888	562	2,150
Income tax expense	$ 396	$ 698	$ 632	$ 617	$ 398	$ 388	$ 423	$ 389	$ 2,343	$ 1,598	$ 2,289

INCOME TAXES (Details 1)

INCOME TAXES (Details 1) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
AMOUNT
Income tax expense based on federal statutory rate									$ 2,836	$ 1,571	$ 2,544
Tax exempt income									(574)	(274)	(359)
Other									81	301	104
Total expense for income taxes	$ 396	$ 698	$ 632	$ 617	$ 398	$ 388	$ 423	$ 389	$ 2,343	$ 1,598	$ 2,289
RATE
Income tax expense based on federal statutory rate									34.00%	34.00%	34.00%
Tax exempt income									(6.90%)	(5.90%)	(4.80%)
Other									1.00%	6.50%	1.40%
Total expense for income taxes									28.10%	34.60%	30.60%

INCOME TAXES (Details 2)

INCOME TAXES (Details 2) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
DEFERRED TAX ASSETS:
Allowance for loan losses	$ 3,373	$ 3,272
Unfunded commitment reserve	298	300
Premises and equipment	1,602	1,433
Accrued pension obligation	1,658	2,358
Net operating loss carryforwards	0	242
Alternative minimum tax credits	2,248	2,820
Other	487	349
Total tax assets	9,666	10,774
DEFERRED TAX LIABILITIES:
Investment accretion	(16)	(25)
Unrealized investment security gains	(420)	(950)
Other	(237)	(251)
Total tax liabilities	(673)	(1,226)
Net deferred tax asset	$ 8,993	$ 9,548

INCOME TAXES (Details 3)

INCOME TAXES (Details 3) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Unrealized gains recognized in comprehensive income	$ 530	$ (404)
Pension obligation of the defined benefit plan not yet recognized in income	(197)	942	$ (1,340)
Deferred provision for income taxes	(888)	(562)	$ (2,150)
Net decrease	$ (555)	$ (24)

INCOME TAXES (Details Textual)

INCOME TAXES (Details Textual) $ in Millions	Dec. 31, 2015USD ($)
Tax Credit Carryforward, Amount	$ 2.2

EMPLOYEE BENEFIT PLANS (Details

EMPLOYEE BENEFIT PLANS (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
CHANGE IN PLAN ASSETS:
Fair value of plan assets at beginning of year	$ 27,367
Fair value of plan assets at end of year	28,429	$ 27,367
Pension Plans, Defined Benefit [Member]
CHANGE IN BENEFIT OBLIGATION:
Benefit obligation at beginning of year	33,701	30,249
Service cost	1,557	1,601	$ 1,703
Interest cost	1,341	1,368	1,189
Actuarial (gain) loss	(1,063)	3,406
Curtailments	0	328
Special/contractual termination benefits	0	376
Benefits paid	(2,419)	(3,627)
Benefit obligation at end of year	33,117	33,701	30,249
CHANGE IN PLAN ASSETS:
Fair value of plan assets at beginning of year	27,367	26,288
Actual return on plan assets	(154)	2,056
Employer contributions	3,635	2,650
Benefits paid	(2,419)	(3,627)
Fair value of plan assets at end of year	28,429	27,367	$ 26,288
Funded status of the plan - under funded	$ (4,688)	$ (6,334)

EMPLOYEE BENEFIT PLANS (Deta101

EMPLOYEE BENEFIT PLANS (Details 1) - Pension Plans, Defined Benefit [Member] - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Amounts recognized in accumulated other comprehensive loss consists of:
Net actuarial loss	$ 12,431	$ 12,596
Total	$ 12,431	$ 12,596

EMPLOYEE BENEFIT PLANS (Deta102

EMPLOYEE BENEFIT PLANS (Details 2) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Pension Plans, Defined Benefit [Member]
Defined Benefit Plan Disclosure [Line Items]
Accumulated benefit obligation	$ 30,606	$ 30,914

EMPLOYEE BENEFIT PLANS (Deta103

EMPLOYEE BENEFIT PLANS (Details 3) - Pension Plans, Defined Benefit [Member]	Dec. 31, 2015	Dec. 31, 2014
WEIGHTED AVERAGE ASSUMPTIONS:
Discount rate	4.20%	4.00%
Salary scale	2.50%	2.50%

EMPLOYEE BENEFIT PLANS (Deta104

EMPLOYEE BENEFIT PLANS (Details 4) - Pension Plans, Defined Benefit [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Net periodic pension cost
Service cost	$ 1,557	$ 1,601	$ 1,703
Interest cost	1,341	1,368	1,189
Expected return on plan assets	(2,130)	(1,991)	(1,775)
Amortization of prior year service cost	0	(19)	(19)
Amortization of transition asset	0	0	(8)
Special termination benefit liability	0	376	0
Recognized net actuarial loss	1,386	1,181	1,375
Net periodic pension cost	$ 2,154	$ 2,516	$ 2,465

EMPLOYEE BENEFIT PLANS (Deta105

EMPLOYEE BENEFIT PLANS (Details 5) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
OTHER CHANGES IN PLAN ASSETS AND BENEFIT OBLIGATIONS RECOGNIZED IN OTHER COMPREHENSIVE LOSS
Recognized loss	[1],[2]	$ 946	$ 799
Pension Plans, Defined Benefit [Member]
OTHER CHANGES IN PLAN ASSETS AND BENEFIT OBLIGATIONS RECOGNIZED IN OTHER COMPREHENSIVE LOSS
Net (gain) loss		1,221	3,669	$ (2,832)
Recognized loss		(1,386)	(1,181)	(1,375)
Recognized prior service cost		0	19	19
Recognized net initial asset		0	0	8
Total recognized in other comprehensive loss before tax effect		(165)	2,507	(4,180)
Total recognized in net benefit cost and other comprehensive loss before tax effect		$ 1,989	$ 5,023	$ (1,715)
[1]	Amounts in parentheses indicate credits.
[2]	These accumulated other comprehensive loss components are included in the computation of net periodic benefit cost (see Note 14 for additional details).

EMPLOYEE BENEFIT PLANS (Deta106

EMPLOYEE BENEFIT PLANS (Details 6) - Pension Plans, Defined Benefit [Member]	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
WEIGHTED AVERAGE ASSUMPTIONS:
Discount rate	4.00%	4.50%	4.00%
Expected return on plan assets	8.00%	8.00%	8.00%
Rate of compensation increase	2.50%	2.50%	2.50%

EMPLOYEE BENEFIT PLANS (Deta107

EMPLOYEE BENEFIT PLANS (Details 7) - Pension Plans, Defined Benefit [Member]	Dec. 31, 2015	Dec. 31, 2014
ASSET CATEGORY:
Asset allocations	100.00%	100.00%
Cash and Cash Equivalents [Member]
ASSET CATEGORY:
Asset allocations	6.00%	2.00%
Domestic equities [Member]
ASSET CATEGORY:
Asset allocations	7.00%	10.00%
Mutual funds/ETFs [Member]
ASSET CATEGORY:
Asset allocations	75.00%	80.00%
International equities [Member]
ASSET CATEGORY:
Asset allocations	1.00%	3.00%
Corporate bonds [Member]
ASSET CATEGORY:
Asset allocations	11.00%	5.00%

EMPLOYEE BENEFIT PLANS (Deta108

EMPLOYEE BENEFIT PLANS (Details 8) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Defined Benefit Plan, Information about Plan Assets [Abstract]
Defined Benefit Plan, Fair Value of Plan Assets	$ 28,429	$ 27,367
Cash and Cash Equivalents [Member] | Fair Value, Inputs, Level 1 [Member]
Defined Benefit Plan, Information about Plan Assets [Abstract]
Defined Benefit Plan, Fair Value of Plan Assets	1,611	639
Equity Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Defined Benefit Plan, Information about Plan Assets [Abstract]
Defined Benefit Plan, Fair Value of Plan Assets	1,978	2,753
International Equity Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Defined Benefit Plan, Information about Plan Assets [Abstract]
Defined Benefit Plan, Fair Value of Plan Assets	397	851
Exchange Traded Funds [Member]
Defined Benefit Plan, Information about Plan Assets [Abstract]
Defined Benefit Plan, Fair Value of Plan Assets	21,396	21,782
Corporate Debt Securities [Member] | Fair Value Inputs Level2 [Member]
Defined Benefit Plan, Information about Plan Assets [Abstract]
Defined Benefit Plan, Fair Value of Plan Assets	$ 3,047	$ 1,342

EMPLOYEE BENEFIT PLANS (Deta109

EMPLOYEE BENEFIT PLANS (Details 9) - Pension Plans, Defined Benefit [Member] $ in Thousands	Dec. 31, 2015USD ($)
Defined Benefit Plan, Expected Future Benefit Payments, Fiscal Year Maturity [Abstract]
2,016	$ 2,287
2,017	2,417
2,018	2,319
2,019	2,215
2,020	2,589
Years 2021—2025	$ 11,706

EMPLOYEE BENEFIT PLANS (Deta110

EMPLOYEE BENEFIT PLANS (Details Textual)		12 Months Ended
		Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)	Dec. 31, 2013
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Future Amortization of Gain (Loss)	[1],[2]	$ 946,000	$ 813,000
Defined Contribution Plan Maximum Annual Contribution Per Union Employee Percent		4.00%	4.00%	4.00%
Defined Contribution Plan Amount Of Entity Common Stock And Securities Held		$ 1,400,000
Defined Contribution Plan, Employer Matching Contribution, Percent of Match			6.00%	2.00%
Defined Contribution Plan, Maximum Annual Contributions Per Employee, Percent		4.00%	3.00%	1.00%
Defined Contribution Plan, Cost Recognized		$ 433,000	$ 387,000
Pension Plans, Defined Benefit [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan Minimum Number Of Annual Employee Hours		1,000
Defined Benefit Plan, Amount of Employer and Related Party Securities Included in Plan Assets		$ 666,000
Defined Benefit Plan Maximum Percent Of Assets Comprised Of Entity Common Stock		10.00%
Defined Benefit Plan Vesting Period		5 years
Defined Benefit Plan, Future Amortization of Gain (Loss)		$ 1,051,000
Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Expected Long-term Return on Assets		8.00%	8.00%	8.00%
Defined Benefit Plan Percent Of Assets Comprised Of Entity Common Stock		2.90%
Defined Benefit Plans, Estimated Future Employer Contributions in Next Fiscal Year		$ 3,000,000
Pension Plans, Defined Benefit [Member] | Equity Securities [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations		60.00%
Defined Benefit Plan, Target Plan Asset Allocations Range Minimum		50.00%
Defined Benefit Plan, Target Plan Asset Allocations Range Maximum		60.00%
Pension Plans, Defined Benefit [Member] | Debt Securities [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations Range Minimum		40.00%
Defined Benefit Plan, Target Plan Asset Allocations Range Maximum		50.00%
[1]	Amounts in parentheses indicate credits.
[2]	These accumulated other comprehensive loss components are included in the computation of net periodic benefit cost (see Note 14 for additional details).

LEASE COMMITMENTS (Details)

LEASE COMMITMENTS (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Operating Leased Assets [Line Items]
2,016	$ 716
2,017	520
2,018	342
2,019	223
2,020	234
2021 and thereafter	1,739
Operating Leases, Rent Expense, Net, Total	$ 821	$ 732	$ 764

COMMITMENTS AND CONTINGENT L112

COMMITMENTS AND CONTINGENT LIABILITIES (Details Textual) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Loss Contingencies [Line Items]
Carrying value of commitment	$ 877,000	$ 882,000
Commitments to extend credit [Member]
Loss Contingencies [Line Items]
Amount of commitment	170,500,000	188,000,000
Standby letters of credit [Member]
Loss Contingencies [Line Items]
Amount of commitment	7,500,000	7,200,000
Amount of commitments secured	$ 2,700,000	$ 3,300,000
Standby letters of credit [Member] | Maximum [Member]
Loss Contingencies [Line Items]
Term of commitment	2 years
Standby letters of credit [Member] | Minimum [Member]
Loss Contingencies [Line Items]
Term of commitment	1 year

PREFERRED STOCK (Details Textua

PREFERRED STOCK (Details Textual) - Series E Preferred Stock [Member] - USD ($) $ in Millions	1 Months Ended
	Aug. 11, 2011	Jan. 27, 2016	Dec. 31, 2015
Temporary Equity [Line Items]
Shares of stock issued	21,000
Value of stock issued	$ 21,000
Aggregate proceeds			$ 21
Subsequent Event [Member]
Temporary Equity [Line Items]
Redemption price, percent of liquidation amount		100.00%

STOCK COMPENSATION PLANS (Detai

STOCK COMPENSATION PLANS (Details) - $ / shares	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
SHARES
Outstanding at beginning of year	559,909	487,349	398,371
Granted	32,500	115,000	102,445
Exercised	(75,923)	(10,700)	(3,467)
Forfeited	(46,037)	(31,740)	(10,000)
Outstanding at end of year	470,449	559,909	487,349
Exercisable at end of year	336,555	330,822	257,253
WEIGHTED AVERAGE EXERCISE PRICE
Outstanding at beginning of year	$ 2.66	$ 2.55	$ 2.43
Granted	2.96	3.18	3.19
Exercised	2.07	2.25	1.81
Forfeited	3.04	3.08	4.25
Outstanding at end of year	2.74	2.66	2.55
Exercise price of common shares	2.58	2.36	2.25
Weighted average fair value of options granted in current year	$ 0.67	$ 0.85	$ 0.83

STOCK COMPENSATION PLANS (De115

STOCK COMPENSATION PLANS (Details 1)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Risk-free interest rate	1.97%
Expected lives in years	10 years	10 years	10 years
Expected volatility	22.00%
Expected dividend rate	1.35%		1.30%
Minimum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Risk-free interest rate		2.43%	1.82%
Expected volatility		28.00%	30.00%
Expected dividend rate		1.25%
Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Risk-free interest rate		2.74%	1.03%
Expected volatility		29.00%	32.00%
Expected dividend rate		1.30%

STOCK COMPENSATION PLANS (De116

STOCK COMPENSATION PLANS (Details Textual) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Stock or Unit Option Plan Expense	$ 29,000	$ 42,000	$ 82,000
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized	800,000
Share-based Compensation Arrangement by Share-based Payment Award, Purchase Price of Common Stock, Percent	100.00%
Share-based Compensation Arrangement by Share-based Payment Award, Expiration Period	10 years
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period	3 years
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Outstanding Options, Beginning Balance	470,449
Range One [Member]
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Exercisable Options, Beginning Balance	336,555
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Lower Range Limit	$ 1.53
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Upper Range Limit	4.70
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Exercisable Options, Weighted Average Exercise Price	$ 2.58
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Exercisable Options, Weighted Average Remaining Contractual Term	5 years 9 months 14 days
Range Two [Member]
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Exercisable Options, Beginning Balance	133,894
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Lower Range Limit	$ 2.96
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Upper Range Limit	3.23
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Exercisable Options, Weighted Average Exercise Price	$ 3.13
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Exercisable Options, Weighted Average Remaining Contractual Term	8 years 3 months 18 days

ACCUMULATED OTHER COMPREHENS117

ACCUMULATED OTHER COMPREHENSIVE LOSS (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015		Dec. 31, 2014		Dec. 31, 2013
Accumulated Other Comprehensive Loss [Line Items]
Beginning Balance	[1]	$ (6,902)		$ (5,875)
Other comprehensive income (loss) before reclassifications	[1]	(1,231)		(1,437)
Amounts reclassified from accumulated other comprehensive loss	[1]	578		410
Net current period other comprehensive income (loss)		(653)	[1]	(1,027)	[1]	$ (496)
Ending Balance	[1]	(7,555)		(6,902)		(5,875)
Net Unrealized Gains and Losses on Investment Securities [Member]
Accumulated Other Comprehensive Loss [Line Items]
Beginning Balance	[1]	1,843		1,043
Other comprehensive income (loss) before reclassifications	[1]	(989)		917
Amounts reclassified from accumulated other comprehensive loss	[1]	(46)		(117)
Net current period other comprehensive income (loss)	[1]	(1,035)		800
Ending Balance	[1]	808		1,843		1,043
Defined Benefit Pension Items [Member]
Accumulated Other Comprehensive Loss [Line Items]
Beginning Balance	[1]	(8,745)		(6,918)
Other comprehensive income (loss) before reclassifications	[1]	(242)		(2,354)
Amounts reclassified from accumulated other comprehensive loss	[1]	624		527
Net current period other comprehensive income (loss)	[1]	382		(1,827)
Ending Balance	[1]	$ (8,363)		$ (8,745)		$ (6,918)
[1]	Amounts in parentheses indicate debits on the Consolidated Balance Sheets.

ACCUMULATED OTHER COMPREHENS118

ACCUMULATED OTHER COMPREHENSIVE LOSS (Details 1) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015		Dec. 31, 2014		Dec. 31, 2013
Unrealized gains and losses on sale of securities:
Net realized gains on available for sale securities		$ (71)	[1]	$ (177)	[1]	$ (204)
Provision for income tax expense		25	[1]	60	[1]	$ 69
Net of tax	[1]	(46)		(117)
Amortization of defined benefit items
Recognized net actuarial loss	[1],[2]	946		813
Prior service cost	[1],[2]	0		(14)
Total before tax	[1],[2]	946		799
Provision for income tax expense	[1],[2]	(322)		(272)
Transition asset	[1],[2]	624		527
Total reclassifications for the period	[1],[2]	$ 578		$ 410
[1]	Amounts in parentheses indicate credits.
[2]	These accumulated other comprehensive loss components are included in the computation of net periodic benefit cost (see Note 14 for additional details).

INTANGIBLE ASSETS (Details)

INTANGIBLE ASSETS (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Reconciliation of goodwill
Balance at beginning of period	$ 11,944	$ 12,613
Goodwill impairment charge	0	669	$ 0
Balance at end of period	$ 11,944	$ 11,944	$ 12,613

INTANGIBLE ASSETS (Details Text

INTANGIBLE ASSETS (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Goodwill [Line Items]
Goodwill	$ 11,944	$ 11,944	$ 12,613
Goodwill, Impairment Loss	0	$ 669	$ 0
West Chester Capital Advisors [Member]
Goodwill [Line Items]
Goodwill	2,400
Retail Banking [Member]
Goodwill [Line Items]
Goodwill	$ 9,500

DERIVATIVE HEDGING INSTRUMEN121

DERIVATIVE HEDGING INSTRUMENTS (Details)	12 Months Ended
	Dec. 31, 2015USD ($)
Derivative [Line Items]
Increase (Decrease) in Fair Value of Hedged Item in Interest Rate Fair Value Hedge	$ 0
Interest Rate Swap One [Member]
Derivative [Line Items]
Derivative, Inception Date	Dec. 12, 2008
Derivative, Maturity Date	Sep. 24, 2013
Derivative, Notional Amount	$ 9,000,000
Derivative, Variable Interest Rate	5.25%
Derivative, Fixed Interest Rate	2.73%
Increase (Decrease) in Fair Value of Hedged Item in Interest Rate Fair Value Hedge	$ 165,488
Interest Rate Swap Two [Member]
Derivative [Line Items]
Derivative, Inception Date	Dec. 12, 2008
Derivative, Maturity Date	Sep. 24, 2013
Derivative, Notional Amount	$ 9,000,000
Derivative, Variable Interest Rate	2.73%
Derivative, Fixed Interest Rate	5.25%
Increase (Decrease) in Fair Value of Hedged Item in Interest Rate Fair Value Hedge	$ (165,488)

SEGMENT RESULTS (Details)

SEGMENT RESULTS (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Contribution of segments to the consolidated results of operations
Net interest income	$ 8,592	$ 9,035	$ 8,800	$ 8,934	$ 8,732	$ 8,403	$ 8,384	$ 8,525	$ 35,361	$ 34,044	$ 32,861
Provision for loan loss	500	300	200	250	375	0	0	0	1,250	375	(1,100)
Non-interest income	3,848	4,015	3,692	3,712	3,560	3,593	3,638	3,532	15,267	14,323	15,744
Non-interest expense	10,170	10,219	10,239	10,410	10,770	11,243	10,620	10,738	41,038	43,371	42,223
Income (loss) before income taxes	1,770	2,531	2,053	1,986	1,147	753	1,402	1,319	8,340	4,621	7,482
Income tax expense (benefit)	396	698	632	617	398	388	423	389	2,343	1,598	2,289
Net income (loss)	1,374	$ 1,833	$ 1,421	$ 1,369	749	$ 365	$ 979	$ 930	5,997	3,023	5,193
Total assets	1,148,922				1,089,263				1,148,922	1,089,263	1,056,036
Retail Banking [Member]
Contribution of segments to the consolidated results of operations
Net interest income									20,680	20,141	20,223
Provision for loan loss									192	57	(92)
Non-interest income									5,537	5,633	6,512
Non-interest expense									21,849	22,531	22,870
Income (loss) before income taxes									4,176	3,186	3,957
Income tax expense (benefit)									1,160	958	1,165
Net income (loss)									3,016	2,228	2,792
Total assets	415,433				376,009				415,433	376,009	347,823
Commercial Banking [Member]
Contribution of segments to the consolidated results of operations
Net interest income									18,390	16,777	15,687
Provision for loan loss									1,058	318	(1,008)
Non-interest income									552	381	642
Non-interest expense									10,303	10,868	10,148
Income (loss) before income taxes									7,581	5,972	7,189
Income tax expense (benefit)									2,167	1,819	2,166
Net income (loss)									5,414	4,153	5,023
Total assets	589,840				563,690				589,840	563,690	545,556
Trust [Member]
Contribution of segments to the consolidated results of operations
Net interest income									58	47	35
Provision for loan loss									0	0	0
Non-interest income									8,683	8,118	8,391
Non-interest expense									6,606	6,967	6,605
Income (loss) before income taxes									2,135	1,198	1,821
Income tax expense (benefit)									726	634	619
Net income (loss)									1,409	564	1,202
Total assets	5,263				5,015				5,263	5,015	4,722
Investment/ Parent [Member]
Contribution of segments to the consolidated results of operations
Net interest income									(3,767)	(2,921)	(3,084)
Provision for loan loss									0	0	0
Non-interest income									495	191	199
Non-interest expense									2,280	3,005	2,600
Income (loss) before income taxes									(5,552)	(5,735)	(5,485)
Income tax expense (benefit)									(1,710)	(1,813)	(1,661)
Net income (loss)									(3,842)	(3,922)	(3,824)
Total assets	$ 138,386				$ 144,549				$ 138,386	$ 144,549	$ 157,935

REGULATORY CAPITAL (Details)

REGULATORY CAPITAL (Details) - USD ($) $ in Thousands		Dec. 31, 2015	Dec. 31, 2014
Summarized regulatory capital ratio of company
Total Capital (To RWA), Actual Amount		$ 106,890	$ 106,084
Tier 1 Common Equity (To RWA), Actual Amount		96,092	0
Tier 1 Capital (To RWA), Actual Amount		96,092	95,579
Tier 1 Capital (To Average Assets), Actual Amount		$ 96,092	$ 95,579
Total Capital (To RWA), Actual Ratio		11.67%	12.07%
Tier 1 Common Equity (To RWA), Actual Ratio		10.49%	0.00%
Tier 1 Capital (To RWA), Actual Ratio		10.49%	10.88%
Tier 1 Capital (To Average Assets), Actual Ratio		8.97%	9.19%
Total Capital (To RWA), Minimun Required For Capital Adequacy Purpose		8.00%	8.00%
Tier 1 Common Equity (To RWA), Minimum Required For Capital Adequacy Purpose		4.50%	0.00%
Tier 1 Capital (To RWA), Minimun Required For Capital Adequacy Purpose		6.00%	4.00%
Tier 1 Capital (To Average Assets), Minimun Required For Capital Adequacy Purpose		4.00%	4.00%
Total Capital (To RWA), To Be Will Capitalized Under Prompt Corrective Action Regulations	[1]	10.00%	10.00%
Tier 1 Common Equity (To RWA),To Be Will Capitalized Under Prompt Corrective Action Regulations	[1]	6.50%	0.00%
Tier 1 Capital (To RWA), TTo Be Will Capitalized Under Prompt Corrective Action Regulations	[1]	8.00%	6.00%
Tier 1 Capital (To Average Assets), To Be Will Capitalized Under Prompt Corrective Action Regulations	[1]	5.00%	5.00%
Tangible common equity ratio		7.57%	7.56%
Parent Company [Member]
Summarized regulatory capital ratio of company
Total Capital (To RWA), Actual Amount		$ 144,096	$ 131,497
Tier 1 Common Equity (To RWA), Actual Amount		93,202	0
Tier 1 Capital (To RWA), Actual Amount		125,648	120,992
Tier 1 Capital (To Average Assets), Actual Amount		$ 125,648	$ 120,992
Total Capital (To RWA), Actual Ratio		15.55%	14.80%
Tier 1 Common Equity (To RWA), Actual Ratio		10.06%	0.00%
Tier 1 Capital (To RWA), Actual Ratio		13.56%	13.62%
Tier 1 Capital (To Average Assets), Actual Ratio		11.41%	11.34%
[1]	Applies to the Bank only.

PARENT COMPANY FINANCIAL INF124

PARENT COMPANY FINANCIAL INFORMATION (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
ASSETS
Cash	$ 23,443	$ 23,780
Short-term investments in money market funds	18,107	6,140
Investment securities available for sale	119,467	127,110
Other assets	5,377	5,712
TOTAL ASSETS	1,148,922	1,089,263	$ 1,056,036
LIABILITIES
Guaranteed junior subordinated deferrable interest debentures	13,085	13,085
Subordinated debt	7,650	0
Other liabilities	9,172	11,010
TOTAL LIABILITIES	1,029,949	974,856
STOCKHOLDERS’ EQUITY
Total stockholders’ equity	118,973	114,407	$ 113,307
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	1,148,922	1,089,263
Parent Company [Member]
ASSETS
Cash	100	100
Short-term investments in money market funds	21,793	5,784
Investment securities available for sale	8,484	11,714
Guaranteed junior subordinated deferrable interest debenture issuance costs	193	209
Subordinated debt issuance costs	232	0
Other assets	3,197	4,698
TOTAL ASSETS	140,732	128,663
LIABILITIES
Guaranteed junior subordinated deferrable interest debentures	13,085	13,085
Subordinated debt	7,650	0
Other liabilities	1,024	1,171
TOTAL LIABILITIES	21,759	14,256
STOCKHOLDERS’ EQUITY
Total stockholders’ equity	118,973	114,407
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	140,732	128,663
Parent Company [Member] | Banking Subsidiary [Member]
ASSETS
Equity investment	100,726	100,473
Parent Company [Member] | Non Banking Subsidiaries [Member]
ASSETS
Equity investment	$ 6,007	$ 5,685

PARENT COMPANY FINANCIAL INF125

PARENT COMPANY FINANCIAL INFORMATION (Details 1) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
INCOME
Interest, dividend and other income	$ 10,282	$ 10,667	$ 10,409	$ 10,523	$ 10,344	$ 10,019	$ 9,983	$ 10,095	$ 41,881	$ 40,441	$ 39,343
EXPENSE
Interest expense	1,690	1,632	1,609	1,589	1,612	1,616	1,599	1,570	6,520	6,397	6,482
Salaries and employee benefits									24,042	24,960	25,115
Other expense									4,727	4,906	5,105
INCOME (LOSS) BEFORE INCOME TAXES AND EQUITY IN UNDISTRIBUTED EARNINGS OF SUBSIDIARIES	1,770	2,531	2,053	1,986	1,147	753	1,402	1,319	8,340	4,621	7,482
Benefit for income taxes	396	698	632	617	398	388	423	389	2,343	1,598	2,289
NET INCOME	$ 1,374	$ 1,833	$ 1,421	$ 1,369	$ 749	$ 365	$ 979	$ 930	5,997	3,023	5,193
COMPREHENSIVE INCOME									5,344	1,996	4,697
Parent Company [Member]
INCOME
Inter-entity management and other fees									2,432	2,432	2,355
Interest, dividend and other income									669	262	243
TOTAL INCOME									9,176	5,064	8,773
EXPENSE
Interest expense									1,125	1,121	1,121
Salaries and employee benefits									2,302	2,576	2,502
Other expense									1,563	1,996	1,608
TOTAL EXPENSE									4,990	5,693	5,231
INCOME (LOSS) BEFORE INCOME TAXES AND EQUITY IN UNDISTRIBUTED EARNINGS OF SUBSIDIARIES									4,187	(629)	3,542
Benefit for income taxes									642	1,020	895
Equity in undistributed earnings of subsidiaries									1,168	2,632	756
NET INCOME									5,997	3,023	5,193
COMPREHENSIVE INCOME									5,344	1,996	4,697
Parent Company [Member] | Banking Subsidiary [Member]
INCOME
Dividends from subsidiaries									5,100	1,500	5,500
Parent Company [Member] | Non Banking Subsidiaries [Member]
INCOME
Dividends from subsidiaries									$ 975	$ 870	$ 675

PARENT COMPANY FINANCIAL INF126

PARENT COMPANY FINANCIAL INFORMATION (Details 2) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
OPERATING ACTIVITIES
Net income	$ 1,374	$ 1,833	$ 1,421	$ 1,369	$ 749	$ 365	$ 979	$ 930	$ 5,997	$ 3,023	$ 5,193
Adjustment to reconcile net income to net cash (used in) provided by operating activities:
Stock compensation expense									186	66	88
Other — net									(1,674)	1,179	(967)
NET CASH PROVIDED BY (USED IN) OPERATING ACTIVITIES									9,832	4,962	14,854
INVESTING ACTIVITIES
Proceeds from maturity of investment securities - available for sale									24,532	22,900	43,307
Proceeds from life insurance policies									1,598	0	356
NET CASH PROVIDED BY (USED IN) INVESTING ACTIVITIES									(49,855)	(30,894)	(66,301)
FINANCING ACTIVITIES
Preferred stock dividends paid									(210)	(210)	(209)
Common stock dividends paid									(754)	(752)	(566)
NET CASH PROVIDED BY (USED IN) FINANCING ACTIVITIES									55,661	28,738	54,693
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS									15,638	2,806	3,246
CASH AND CASH EQUIVALENTS AT JANUARY 1				32,872				30,066	32,872	30,066	26,820
CASH AND CASH EQUIVALENTS AT DECEMBER 31	48,510				32,872				48,510	32,872	30,066
Parent Company [Member]
OPERATING ACTIVITIES
Net income									5,997	3,023	5,193
Adjustment to reconcile net income to net cash (used in) provided by operating activities:
Equity in undistributed earnings of subsidiaries									(1,168)	(2,632)	(756)
Stock compensation expense									29	42	82
Other — net									842	(505)	(718)
NET CASH PROVIDED BY (USED IN) OPERATING ACTIVITIES									5,700	(72)	3,801
INVESTING ACTIVITIES
Purchase of investment securities - available for sale									(1,533)	(2,027)	(3,885)
Proceeds from maturity of investment securities - available for sale									4,669	2,284	2,506
Proceeds from life insurance policies									719	0	0
NET CASH PROVIDED BY (USED IN) INVESTING ACTIVITIES									3,855	257	(1,379)
FINANCING ACTIVITIES
Purchase of treasury stock									0	0	(1,171)
Subordinated debt issuance, net									7,418	0	0
Preferred stock dividends paid									(210)	(210)	(209)
Common stock dividends paid									(754)	(752)	(566)
NET CASH PROVIDED BY (USED IN) FINANCING ACTIVITIES									6,454	(962)	(1,946)
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS									16,009	(777)	476
CASH AND CASH EQUIVALENTS AT JANUARY 1				$ 5,884				$ 6,661	5,884	6,661	6,185
CASH AND CASH EQUIVALENTS AT DECEMBER 31	$ 21,893				$ 5,884				$ 21,893	$ 5,884	$ 6,661

PARENT COMPANY FINANCIAL INF127

PARENT COMPANY FINANCIAL INFORMATION (Details Textual)	Dec. 31, 2015USD ($)
Dividend Payments Restrictions Schedule, Statutory Capital and Surplus	$ 109,300,000

SELECTED QUARTERLY CONSOLIDA128

SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Interest income	$ 10,282	$ 10,667	$ 10,409	$ 10,523	$ 10,344	$ 10,019	$ 9,983	$ 10,095	$ 41,881	$ 40,441	$ 39,343
Interest expense	1,690	1,632	1,609	1,589	1,612	1,616	1,599	1,570	6,520	6,397	6,482
Net interest income	8,592	9,035	8,800	8,934	8,732	8,403	8,384	8,525	35,361	34,044	32,861
Provision for loan losses	500	300	200	250	375	0	0	0	1,250	375	(1,100)
Net interest income after provision for loan losses	8,092	8,735	8,600	8,684	8,357	8,403	8,384	8,525	34,111	33,669	33,961
Non-interest income	3,848	4,015	3,692	3,712	3,560	3,593	3,638	3,532	15,267	14,323	15,744
Non-interest expense	10,170	10,219	10,239	10,410	10,770	11,243	10,620	10,738	41,038	43,371	42,223
Income before income taxes	1,770	2,531	2,053	1,986	1,147	753	1,402	1,319	8,340	4,621	7,482
Provision for income taxes	396	698	632	617	398	388	423	389	2,343	1,598	2,289
Net income	$ 1,374	$ 1,833	$ 1,421	$ 1,369	$ 749	$ 365	$ 979	$ 930	$ 5,997	$ 3,023	$ 5,193
Basic earnings per common share	$ 0.07	$ 0.09	$ 0.07	$ 0.07	$ 0.04	$ 0.02	$ 0.05	$ 0.05	$ 0.31	$ 0.15	$ 0.26
Diluted earnings per common share	0.07	0.09	0.07	0.07	0.04	0.02	0.05	0.05	0.31	0.15	0.26
Cash dividends declared per common share	$ 0.01	$ 0.01	$ 0.01	$ 0.01	$ 0.01	$ 0.01	$ 0.01	$ 0.01	$ 0.04	$ 0.04	$ 0.03

SUBSEQUENT EVENT (Details Textu

SUBSEQUENT EVENT (Details Textual) - USD ($)	1 Months Ended
	Jan. 27, 2016	Dec. 31, 2015	Dec. 31, 2014
Subsequent Event [Line Items]
Subordinated Debt		$ 7,650,000	$ 0
Subsequent Event [Member]
Subsequent Event [Line Items]
Payments for Repurchase of Redeemable Preferred Stock	$ 21,000
Preferred Stock, Redemption Price Per Share	$ 1,000
Short-term Debt, Total	$ 192,000,000
Dividends, Preferred Stock, Stock	21,000,000
Subsequent Event [Member] | Scenario, Previously Reported [Member]
Subsequent Event [Line Items]
Subordinated Debt	7,650,000
Cash, Cash Equivalents, and Federal Funds Sold, Total	$ 13,400,000