AmeriServ Financial (ASRV) 10-K 2 Mar 18 2017 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2017	Jan. 31, 2018	Jun. 30, 2017
Document Information [Line Items]
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2017
Document Fiscal Year Focus	2,017
Document Fiscal Period Focus	FY
Entity Registrant Name	AMERISERV FINANCIAL INC /PA/
Entity Central Index Key	707,605
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Filer Category	Smaller Reporting Company
Entity Public Float			$ 69,492,588
Trading Symbol	ASRV
Entity Common Stock, Shares Outstanding		18,128,247

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands		Dec. 31, 2017	Dec. 31, 2016
ASSETS
Cash and due from depository institutions		$ 26,234	$ 25,107
Interest bearing deposits		2,698	3,066
Short-term investments in money market funds		5,256	5,900
Cash and cash equivalents		34,188	34,073
Investment securities:
Available for sale		129,138	127,077
Held to maturity (fair value $38,811 at December 31, 2017 and $30,420 at December 31, 2016)		38,752	30,665
Loans held for sale		3,125	3,094
Loans		890,032	884,240
Less: Unearned income		399	476
Allowance for loan losses		10,214	9,932
Net loans		879,419	873,832
Premises and equipment, net		12,734	11,694
Accrued interest income receivable		3,603	3,116
Goodwill		11,944	11,944
Bank owned life insurance		37,860	37,903
Net deferred tax asset		5,963	10,655
Federal Home Loan Bank stock		4,675	3,359
Federal Reserve Bank stock		2,125	2,125
Other assets		4,129	4,243
TOTAL ASSETS		1,167,655	1,153,780
LIABILITIES
Non-interest bearing deposits		183,603	188,808
Interest bearing deposits		764,342	778,978
Total deposits		947,945	967,786
Short-term borrowings		49,084	12,754
Advances from Federal Home Loan Bank		46,229	45,542
Guaranteed junior subordinated deferrable interest debentures		12,923	12,908
Subordinated debt		7,465	7,441
Total borrowed funds		115,701	78,645
Other liabilities		8,907	11,954
TOTAL LIABILITIES		1,072,553	1,058,385
STOCKHOLDERS' EQUITY
Common stock, par value $0.01 per share; 30,000,000 shares authorized: 26,585,403 shares issued and 18,128,247 shares outstanding on December 31, 2017; 26,521,291 shares issued and 18,903,472 shares outstanding on December 31, 2016		266	265
Treasury stock at cost, 8,457,156 shares on December 31, 2017 and 7,617,819 shares on December 31, 2016		(78,233)	(74,829)
Capital surplus		145,707	145,535
Retained earnings		40,312	36,001
Accumulated other comprehensive loss, net	[1]	(12,950)	(11,577)
TOTAL STOCKHOLDERS’ EQUITY		95,102	95,395
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY		$ 1,167,655	$ 1,153,780
[1]	Amounts in parentheses indicate debits on the Consolidated Balance Sheets.

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Held to maturity securities, fair value	$ 38,811	$ 30,420
Common stock, par value	$ 0.01	$ 0.01
Common stock, shares authorized	30,000,000	30,000,000
Common stock, shares issued	26,585,403	26,521,291
Common stock, shares outstanding	18,128,247	18,903,472
Treasury stock, shares	8,457,156	7,617,819

CONSOLIDATED STATEMENTS OF OPER

CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Interest and fees on loans:
Taxable	$ 39,122	$ 37,786	$ 37,923
Tax exempt	95	75	72
Interest bearing deposits	11	13	8
Short-term investments in money market funds	130	84	14
Investment securities:
Available for sale	3,800	3,132	3,250
Held to maturity	1,198	779	614
Total Interest Income	44,356	41,869	41,881
INTEREST EXPENSE
Deposits	6,255	5,400	4,752
Short-term borrowings	206	52	86
Advances from Federal Home Loan Bank	694	644	558
Guaranteed junior subordinated deferrable interest debentures	1,120	1,120	1,120
Subordinated debt	520	519	4
Total Interest Expense	8,795	7,735	6,520
Net Interest Income	35,561	34,134	35,361
Provision for loan losses	800	3,950	1,250
Net Interest Income after Provision for Loan Losses	34,761	30,184	34,111
NON-INTEREST INCOME
Trust and investment advisory fees	8,462	8,333	8,344
Service charges on deposit accounts	1,581	1,674	1,750
Net gains on loans held for sale	679	884	767
Mortgage related fees	285	367	391
Net realized gains on investment securities	115	177	71
Bank owned life insurance	737	675	1,617
Other income	2,786	2,528	2,327
Total Non-Interest Income	14,645	14,638	15,267
NON-INTEREST EXPENSE
Salaries and employee benefits	24,127	24,034	24,042
Net occupancy expense	2,600	2,782	2,941
Equipment expense	1,585	1,688	1,773
Professional fees	5,058	5,280	5,003
Supplies, postage, and freight	676	705	726
Miscellaneous taxes and insurance	1,234	1,146	1,157
Federal deposit insurance expense	628	709	669
Other expense	4,858	5,271	4,727
Total Non-Interest Expense	40,766	41,615	41,038
PRETAX INCOME	8,640	3,207	8,340
Provision for income taxes	5,347	897	2,343
NET INCOME	3,293	2,310	5,997
Preferred stock dividends	0	15	210
NET INCOME AVAILABLE TO COMMON SHAREHOLDERS	$ 3,293	$ 2,295	$ 5,787
Basic:
Net income	$ 0.18	$ 0.12	$ 0.31
Average number of shares outstanding	18,498	18,896	18,863
Diluted:
Net income	$ 0.18	$ 0.12	$ 0.31
Average number of shares outstanding	18,600	18,955	18,933
Cash dividends declared	$ 0.06	$ 0.05	$ 0.04

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017		Dec. 31, 2016		Dec. 31, 2015
COMPREHENSIVE INCOME (LOSS)
Net income	$ 3,293		$ 2,310		$ 5,997
Other comprehensive loss, before tax:
Pension obligation change for defined benefit plan	1,303		(4,612)		579
Income tax effect	(442)		1,569		(197)
Unrealized holding losses on available for sale securities arising during period	(40)		(1,305)		(1,498)
Income tax effect	13		443		509
Reclassification adjustment for net realized gains on available for sale securities included in net income	(115)	[1]	(177)	[1]	(71)
Income tax effect	39	[1]	60	[1]	25
Other comprehensive income (loss)	758		(4,022)		(653)
Comprehensive income (loss)	$ 4,051		$ (1,712)		$ 5,344
[1]	Amounts in parentheses indicate credits.

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, 2014			$ 21,000	$ 264	$ (74,829)	$ 145,256	$ 29,618	$ (6,902)
Redemption of all preferred shares outstanding			0
New common shares issued				1		156
Treasury stock, 839,337 shares 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)
Reclassification of certain income tax effects from accumulated other comprehensive income							0	0
Other comprehensive income (loss)	(653)							(653)
Balance at Dec. 31, 2015	118,973		21,000	265	(74,829)	145,441	34,651	(7,555)
Redemption of all preferred shares outstanding			(21,000)
New common shares issued				0		74
Treasury stock, 839,337 shares purchased at cost					0
Stock option expense						20
Net income	2,310						2,310
Cash dividend declared on common stock							(945)
Cash dividend declared on preferred stock							(15)
Reclassification of certain income tax effects from accumulated other comprehensive income	0	[1]					0	0
Other comprehensive income (loss)	(4,022)							(4,022)
Balance at Dec. 31, 2016	95,395		0	265	(74,829)	145,535	36,001	(11,577)
Redemption of all preferred shares outstanding			0
New common shares issued				1		159
Treasury stock, 839,337 shares purchased at cost					(3,404)
Stock option expense						13
Net income	3,293						3,293
Cash dividend declared on common stock							(1,113)
Cash dividend declared on preferred stock							0
Reclassification of certain income tax effects from accumulated other comprehensive income	(2,131)	[1]					2,131	(2,131)
Other comprehensive income (loss)	758							758
Balance at Dec. 31, 2017	$ 95,102		$ 0	$ 266	$ (78,233)	$ 145,707	$ 40,312	$ (12,950)
[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, 2017shares
Treasury stock, purchased at cost, shares	839,337

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
OPERATING ACTIVITIES
Net income	$ 3,293	$ 2,310	$ 5,997
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	800	3,950	1,250
Depreciation and amortization expense	1,665	1,803	1,790
Net amortization of investment securities	436	488	342
Net realized gains on investment securities - available for sale	(115)	(177)	(71)
Net gains on loans held for sale	(679)	(884)	(767)
Amortization of deferred loan fees	(162)	(231)	(249)
Origination of mortgage loans held for sale	(45,637)	(59,252)	(51,759)
Sales of mortgage loans held for sale	46,285	60,045	54,574
Decrease (increase) in accrued interest receivable	(487)	(59)	70
Increase (decrease) in accrued interest payable	114	(11)	(55)
Earnings on bank-owned life insurance	(571)	(675)	(690)
Deferred income taxes	4,303	414	888
Stock compensation expense	173	94	186
Amortization of long term debt issuance costs	39	39	0
Other, net	(1,776)	(1,186)	(1,674)
Net cash provided by operating activities	7,681	6,668	9,832
INVESTING ACTIVITIES
Purchase of investment securities - available for sale	(32,889)	(42,844)	(22,241)
Purchase of investment securities - held to maturity	(10,572)	(12,038)	(6,237)
Proceeds from maturities of investment securities - available for sale	22,311	24,574	24,532
Proceeds from maturities of investment securities - held to maturity	2,383	2,693	4,601
Proceeds from sales of investment securities - available for sale	8,143	8,966	3,570
Purchases of regulatory stock	(17,661)	(10,911)	(19,320)
Proceeds from redemption of regulatory stock	16,345	12,180	18,740
Long-term loans originated	(154,054)	(196,998)	(246,304)
Principal collected on long-term loans	157,258	189,505	183,380
Participations purchased	(11,804)	(17,192)	(15,019)
Participations sold	2,800	18,900	23,774
Net increase in other short-term loans	(502)	(875)	(627)
Purchases of premises and equipment	(2,705)	(1,380)	(881)
Proceeds from sale of other real estate owned	108	235	579
Proceeds from life insurance policies	614	0	1,598
Net cash used in investing activities	(20,225)	(25,185)	(49,855)
FINANCING ACTIVITIES
Net (decrease) increase in deposit balances	(19,841)	64,492	33,339
Net increase (decrease) in other short-term borrowings	36,330	(35,994)	9,868
Principal borrowings on advances from Federal Home Loan Bank	12,687	9,542	10,000
Principal repayments on advances from Federal Home Loan Bank	(12,000)	(12,000)	(4,000)
Subordinated debt issuance, net	0	0	7,418
Purchases of treasury stock	(3,404)	0	0
Preferred stock redemption	0	(21,000)	0
Preferred stock dividend paid	0	(15)	(210)
Common stock dividend paid	(1,113)	(945)	(754)
Net cash provided by financing activities	12,659	4,080	55,661
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	115	(14,437)	15,638
CASH AND CASH EQUIVALENTS AT JANUARY 1	34,073	48,510	32,872
CASH AND CASH EQUIVALENTS AT DECEMBER 31	$ 34,188	$ 34,073	$ 48,510

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 2017
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 15 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 $2.2 billion that are not recognized on the Company’s Consolidated Balance Sheet at December 31, 2017. 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 15 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. 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 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. 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 10,000, 51,273, and 58,788 shares of common stock were outstanding during 2017, 2016 and 2015, 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 $4.00, $3.23-$4.60, and $3.23-$4.70 during 2017, 2016 and 2015, respectively. Dividends on preferred shares are deducted from net income in the calculation of earnings per common share. YEAR ENDED DECEMBER 31, 2017 2016 2015 (IN THOUSANDS, EXCEPT PER SHARE DATA) Numerator: Net income $ 3,293 $ 2,310 $ 5,997 Preferred stock dividends — 15 210 Net income available to common shareholders $ 3,293 $ 2,295 $ 5,787 Denominator: Weighted average common shares outstanding (basic) 18,498 18,896 18,863 Effect of stock options 102 59 70 Weighted average common shares outstanding (diluted) 18,600 18,955 18,933 Earnings per common share: Basic $ 0.18 $ 0.12 $ 0.31 Diluted 0.18 0.12 0.31 The Company uses the modified prospective method for accounting of stock-based compensation. The Company recognized $13,000, $20,000 and $29,000 of pretax compensation expense for the years 2017, 2016 and 2015, respectively. 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 $1,075,000 in income tax payments in 2017; $375,000 in 2016; and $1,554,000 in 2015. The Company had non-cash transfers to other real estate owned (OREO) in the amounts of $77,000 in 2017; $172,000 in 2016; and $189,000 in 2015. The Company made total interest payments of $8,681,000 in 2017; $7,746,000 in 2016; and $6,575,000 in 2015. 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. In conjunction with the annual measurement of the funded status of Company’s pension plan at December 31, 2016, management elected to change the manner in which the service cost and interest cost components of net periodic benefit cost will be determined in 2017 and beyond. Previously, the service cost and interest cost components were determined by multiplying the single equivalent rate described above and the aggregate discounted cash flows of the plan’s service cost and projected benefit obligations. Under the new methodology, the service cost component will be determined by aggregating the product of the discounted cash flows of the plan’s service cost for each year and an individual spot rate (referred to as the “spot rate” approach). The interest cost component will be determined by aggregating the product of the discounted cash flows of the plan’s projected benefit obligations for each year and an individual spot rate. This change will result in a lower service cost and interest cost components of net periodic benefit cost under the new methodology compared to the previous methodology. Management believes this new methodology, which represents a change in an accounting estimate, is a better measure of the service cost and interest cost as each year’s cash flows are specifically linked to the interest rates of bond payments in the same respective year. 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 January 2016, the FASB issued ASU 2016-01, Financial Instruments — Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842) In June 2016, the FASB issued ASU 2016-13, Financial Instruments — Credit Losses: Measurement of Credit Losses on Financial Instruments In March 2017, the FASB issued ASU 2017-07, Compensation — Retirement Benefits (Topic 715) In March 2017, the FASB issued ASU 2017-08, Receivables — Nonrefundable Fees and Other Costs (Subtopic 310-20). In February 2018, the FASB issued ASU 2018-02, Income Statement — Reporting Comprehensive Income (Topic 220) An Act to Provide for Reconciliation Pursuant to Titles II and V of the Concurrent Resolution on the Budget for Fiscal Year 2018 (Tax Cuts and Jobs Act)

CASH AND DUE FROM DEPOSITORY IN

CASH AND DUE FROM DEPOSITORY INSTITUTIONS	12 Months Ended
	Dec. 31, 2017
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 $5,000 for December 31, 2017 and $6,000 for December 31, 2016, 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, 2017
Investments [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: Investment securities available for sale: AT DECEMBER 31, 2017 COST GROSS GROSS FAIR (IN THOUSANDS) U.S. Agency $ 6,612 $ — $ (40 ) $ 6,572 Taxable municipal 7,198 27 (189 ) 7,036 Corporate bonds 35,886 322 (424 ) 35,784 U.S. Agency mortgage-backed securities 79,854 611 (719 ) 79,746 Total $ 129,550 $ 960 $ (1,372 ) $ 129,138 Investment securities held to maturity: AT DECEMBER 31, 2017 COST GROSS GROSS FAIR (IN THOUSANDS) U.S. Agency mortgage-backed securities $ 9,740 $ 149 $ (45 ) $ 9,844 Taxable municipal 22,970 203 (238 ) 22,935 Corporate bonds and other securities 6,042 38 (48 ) 6,032 Total $ 38,752 $ 390 $ (331 ) $ 38,811 Investment securities available for sale: AT DECEMBER 31, 2016 COST GROSS GROSS FAIR (IN THOUSANDS) U.S. Agency $ 400 $ — $ (2 ) $ 398 Taxable municipal 3,793 3 (174 ) 3,622 Corporate bonds 34,403 194 (724 ) 33,873 U.S. Agency mortgage-backed securities 88,738 1,132 (686 ) 89,184 Total $ 127,334 $ 1,329 $ (1,586 ) $ 127,077 Investment securities held to maturity: AT DECEMBER 31, 2016 COST GROSS GROSS FAIR (IN THOUSANDS) U.S. Agency mortgage-backed securities $ 11,177 $ 180 $ (79 ) $ 11,278 Taxable municipal 13,441 70 (348 ) 13,163 Corporate bonds and other securities 6,047 15 (83 ) 5,979 Total $ 30,665 $ 265 $ (510 ) $ 30,420 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, 2017, 57.8% of the portfolio was rated AAA as compared to 63.5% at December 31, 2016. 9.7% of the portfolio was rated below A or unrated on December 31, 2017. 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, 2017. 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 $117,181,000 at December 31, 2017 and $104,953,000 at December 31, 2016. The Company realized $115,000 of gross investment security gains in 2017 and 183,000 of gross investment security gains and $6,000 of gross investment security losses in 2016, and $107,000 of gross investment gains and $36,000 of gross investment security losses in 2015. On a net basis, the realized gain for 2017 was $76,000 after factoring in tax expense of $39,000 and the realized gain for 2016 was $117,000 after factoring in tax expense of $60,000, and the realized gain for 2015 was $46,000 after factoring in tax expense of $25,000. Proceeds from sales of investment securities available for sale were $8.1 million for 2017, $9.0 million for 2016, and $3.6 million during 2015. 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, 2017. 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 3.69 years. The weighted average expected maturity for available for sale securities at December 31, 2017 for U.S. Agency, U.S. Agency Mortgage-Backed and Corporate Bond securities was 10.38, 4.60 and 5.44 years, respectively. The weighted average expected maturity for held to maturity securities at December 31, 2017 for U.S. Agency Mortgage-Backed and Corporate Bonds/Taxable Municipals and other securities were 4.57 and 6.51 years. Investment securities available for sale: AT DECEMBER 31, 2017 U. S. AGENCY U.S. AGENCY CORPORATE TOTAL INVESTMENT (IN THOUSANDS, EXCEPT YIELDS) COST BASIS Within 1 year $ 400 1.03 % $ 1 6.00 % $ — —% $ 401 1.04 % After 1 year but within 5 years — — 848 2.09 10,938 2.99 11,786 2.93 After 5 years but within 10 years 3,230 2.75 14,623 2.91 30,646 3.64 48,499 3.36 After 10 years but within 15 years — — 24,516 2.30 1,500 3.98 26,016 2.39 Over 15 years 2,982 2.69 39,866 2.52 — — 42,848 2.53 Total $ 6,612 2.62 $ 79,854 2.52 $ 43,084 3.49 $ 129,550 2.84 FAIR VALUE Within 1 year $ 399 $ 1 $ — $ 400 After 1 year but within 5 years — 843 10,924 11,767 After 5 years but within 10 years 3,220 14,859 30,477 48,556 After 10 years but within 15 years — 24,301 1,419 25,720 Over 15 years 2,953 39,742 — 42,695 Total $ 6,572 $ 79,746 $ 42,820 $ 129,138 Investment securities held to maturity: AT DECEMBER 31, 2017 U.S. AGENCY MORTGAGE-BACKED SECURITIES CORPORATE TOTAL INVESTMENT SECURITIES HELD TO MATURITY (IN THOUSANDS, EXCEPT YIELDS) COST BASIS Within 1 year $ — —% $ 2,000 1.78 % $ 2,000 1.78 % After 1 year but within 5 years 688 2.11 1,751 2.29 2,439 2.24 After 5 years but within 10 years 2,081 2.49 12,797 3.57 14,878 3.42 After 10 years but within 15 years 2,604 3.30 11,643 3.64 14,247 3.58 Over 15 years 4,367 3.07 821 4.75 5,188 3.34 Total $ 9,740 2.94 $ 29,012 3.43 $ 38,752 3.31 FAIR VALUE Within 1 year $ — $ 1,976 $ 1,976 After 1 year but within 5 years 677 1,734 2,411 After 5 years but within 10 years 2,075 12,815 14,890 After 10 years but within 15 years 2,685 11,597 14,282 Over 15 years 4,407 845 5,252 Total $ 9,844 $ 28,967 $ 38,811 The following tables present information concerning investments with unrealized losses as of December 31, 2017 (in thousands): Total investment securities: LESS THAN 12 MONTHS 12 MONTHS OR LONGER TOTAL FAIR UNREALIZED FAIR UNREALIZED FAIR UNREALIZED U.S. Agency $ 5,923 $ (39 ) $ 399 $ (1) $ 6,322 $ (40 ) U.S. Agency mortgage-backed securities 36,783 (253 ) 22,625 (511 ) 59,408 (764 ) Taxable municipal 8,657 (109 ) 7,727 (318 ) 16,384 (427 ) Corporate bonds and other securities 7,123 (71 ) 13,655 (401 ) 20,778 (472 ) Total $ 58,486 $ (472 ) $ 44,406 $ (1,231 ) $ 102,892 $ (1,703 ) The following tables present information concerning investments with unrealized losses as of December 31, 2016 (in thousands): Total investment securities: LESS THAN 12 MONTHS 12 MONTHS OR LONGER TOTAL FAIR UNREALIZED FAIR UNREALIZED FAIR UNREALIZED U.S. Agency $ 398 $ (2 ) $ — $ — $ 398 $ (2 ) U.S. Agency mortgage-backed securities 49,918 (703 ) 1,576 (62 ) 51,494 (765 ) Taxable municipal 13,301 (522 ) — — 13,301 (522 ) Corporate bonds and other securities 20,380 (570 ) 6,762 (237 ) 27,142 (807 ) Total $ 83,997 $ (1,797 ) $ 8,338 $ (299 ) $ 92,335 $ (2,096 ) 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 133 positions that are considered temporarily impaired at December 31, 2017. 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, 2017
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, 2017 2016 (IN THOUSANDS) Commercial $ 159,192 $ 171,529 Commercial loans secured by real estate 463,780 446,598 Real estate-mortgage 247,278 245,765 Consumer 19,383 19,872 Loans, net of unearned income $ 889,633 $ 883,764 Loan balances at December 31, 2017 and 2016 are net of unearned income of $399,000 and $476,000, respectively. Real estate construction loans comprised 4.1% and 4.7% of total loans net of unearned income at December 31, 2017 and 2016, 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, 2017 and 2016, 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 $554,000 and $578,000 at December 31, 2017 and 2016, respectively.

ALLOWANCE FOR LOAN LOSSES

ALLOWANCE FOR LOAN LOSSES	12 Months Ended
	Dec. 31, 2017
Allowance for Loan Losses [Abstract]
Allowance for Credit Losses [Text Block]	5. ALLOWANCE FOR LOAN LOSSES BALANCE AT CHARGE- RECOVERIES PROVISION BALANCE AT Commercial $ 4,041 $ (278 ) $ 27 $ 509 $ 4,299 Commercial loans secured by real estate 3,584 (165 ) 14 233 3,666 Real estate-mortgage 1,169 (313 ) 250 (4 ) 1,102 Consumer 151 (172 ) 119 30 128 Allocation for general risk 987 — — 32 1,019 Total $ 9,932 $ (928) $ 410 $ 800 $ 10,214 BALANCE AT CHARGE- RECOVERIES PROVISION BALANCE AT Commercial $ 4,244 $ (3,648 ) $ 140 $ 3,305 $ 4,041 Commercial loans secured by real estate 3,449 (13 ) 40 108 3,584 Real estate-mortgage 1,173 (291 ) 147 140 1,169 Consumer 151 (344 ) 30 314 151 Allocation for general risk 904 — — 83 987 Total $ 9,921 $ (4,296 ) $ 357 $ 3,950 $ 9,932 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 For 2017, the Company recorded an $800,000 provision for loan losses compared to a $3,950,000 provision for loan losses in 2016 or a decrease of $3.2 million between years. Both, the loan loss provision and net charge-offs were at more typical levels this year than the substantially higher levels that were necessary early last year to resolve a troubled loan exposure to the energy industry. The provision recorded in 2017 supported commercial loan growth and more than covered the low level of net loan charge-offs in 2017 resulting in the allowance for loan losses growing between years. The Company experienced net loan charge-offs of $518,000, or 0.06% of total loans in 2017 compared to net loan charge-offs of $3.9 million, or 0.44%, of total loans in 2016. Overall, the Company continued to maintain strong asset quality as its nonperforming assets totaled $3.0 million, or 0.34%, of total loans, at December 31, 2017. AT DECEMBER 31, 2017 (IN THOUSANDS) Loans: COMMERCIAL COMMERCIAL REAL CONSUMER TOTAL Individually evaluated for impairment $ 1,212 $ 547 $ — $ — $ 1,759 Collectively evaluated for impairment 157,980 463,233 247,278 19,383 887,874 Total loans $ 159,192 $ 463,780 $ 247,278 $ 19,383 $ 889,633 AT DECEMBER 31, 2017 (IN THOUSANDS) Allowance for loan losses: COMMERCIAL COMMERCIAL REAL CONSUMER ALLOCATION TOTAL Specific reserve allocation $ 909 $ — $ — $ — $ — $ 909 General reserve allocation 3,390 3,666 1,102 128 1,019 9,305 Total allowance for loan losses $ 4,299 $ 3,666 $ 1,102 $ 128 $ 1,019 $ 10,214 AT DECEMBER 31, 2016 (IN THOUSANDS) Loans: COMMERCIAL COMMERCIAL REAL CONSUMER TOTAL Individually evaluated for impairment $ 496 $ 178 $ — $ — $ 674 Collectively evaluated for impairment 171,033 446,420 245,765 19,872 883,090 Total loans $ 171,529 $ 446,598 $ 245,765 $ 19,872 $ 883,764 AT DECEMBER 31, 2016 (IN THOUSANDS) Allowance for loan losses: COMMERCIAL COMMERCIAL REAL CONSUMER ALLOCATION TOTAL Specific reserve allocation $ 496 $ 31 $ — $ — $ — $ 527 General reserve allocation 3,545 3,553 1,169 151 987 9,405 Total allowance for loan losses $ 4,041 $ 3,584 $ 1,169 $ 151 $ 987 $ 9,932 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 closely monitored 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. AT DECEMBER 31, 2017 IMPAIRED LOANS WITH IMPAIRED TOTAL IMPAIRED LOANS RECORDED RELATED RECORDED RECORDED UNPAID (IN THOUSANDS) Commercial $ 342 $ 342 $ 11 $ 353 $ 354 Commercial loans secured by real estate 859 567 547 1,406 1,461 Total impaired loans $ 1,201 $ 909 $ 558 $ 1,759 $ 1,815 AT DECEMBER 31, 2016 IMPAIRED LOANS WITH IMPAIRED TOTAL IMPAIRED LOANS RECORDED RELATED RECORDED RECORDED UNPAID (IN THOUSANDS) Commercial $ 496 $ 496 $ — $ 496 $ 517 Commercial loans secured by real estate 162 31 16 178 209 Total impaired loans $ 658 $ 527 $ 16 $ 674 $ 726 YEAR ENDED DECEMBER 31, 2017 2016 2015 (IN THOUSANDS) Average impaired balance: Commercial $ 1,075 $ 718 $ 1,271 Commercial loans secured by real estate 838 356 866 Consumer — — 9 Average investment in impaired loans $ 1,913 $ 1,074 $ 2,146 Interest income recognized: Commercial $ 28 $ 14 $ 10 Commercial loans secured by real estate 34 8 17 Consumer — — — Interest income recognized on a cash basis on impaired loans $ 62 $ 22 $ 27 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 2017 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. AT DECEMBER 31, 2017 PASS SPECIAL SUBSTANDARD DOUBTFUL TOTAL (IN THOUSANDS) Commercial $ 156,449 $ 500 $ 1,999 $ 244 $ 159,192 Commercial loans secured by real estate 450,019 11,828 1,634 299 463,780 Total $ 606,468 $ 12,328 $ 3,633 $ 543 $ 622,972 AT DECEMBER 31, 2016 PASS SPECIAL SUBSTANDARD DOUBTFUL TOTAL (IN THOUSANDS) Commercial $ 168,116 $ 1,087 $ 1,830 $ 496 $ 171,529 Commercial loans secured by real estate 436,318 7,497 2,767 16 446,598 Total $ 604,434 $ 8,584 $ 4,597 $ 512 $ 618,127 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. AT DECEMBER 31, 2017 PERFORMING NON- (IN THOUSANDS) Real estate-mortgage $ 246,021 $ 1,257 Consumer 19,383 — Total $ 265,404 $ 1,257 AT DECEMBER 31, 2016 PERFORMING NON- (IN THOUSANDS) Real estate-mortgage $ 244,836 $ 929 Consumer 19,872 — Total $ 264,708 $ 929 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. AT DECEMBER 31, 2017 CURRENT 30 – 59 60 – 89 90 DAYS TOTAL TOTAL 90 DAYS (IN THOUSANDS) Commercial $ 159,181 $ — $ — $ 11 $ 11 $ 159,192 $ — Commercial loans secured by real estate 457,722 5,238 534 286 6,058 463,780 — Real estate-mortgage 243,393 2,373 671 841 3,885 247,278 — Consumer 19,262 76 45 — 121 19,383 — Total $ 879,558 $ 7,687 $ 1,250 $ 1,138 $ 10,075 $ 889,633 $ — AT DECEMBER 31, 2016 CURRENT 30 – 59 60 – 89 90 DAYS TOTAL TOTAL 90 DAYS (IN THOUSANDS) Commercial $ 171,292 $ 237 $ — $ — $ 237 $ 171,529 $ — Commercial loans secured by real estate 446,477 121 — — 121 446,598 — Real estate-mortgage 241,802 2,856 610 497 3,963 245,765 — Consumer 19,795 50 27 — 77 19,872 — Total $ 879,366 $ 3,264 $ 637 $ 497 $ 4,398 $ 883,764 $ — 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. The historical charge-off factors 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, 2017
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, 2017 2016 (IN THOUSANDS, EXCEPT PERCENTAGES) Non-accrual loans: Commercial $ 353 $ 496 Commercial loans secured by real estate 1,406 178 Real estate-mortgage 1,257 929 Total 3,016 1,603 Other real estate owned: Real estate-mortgage 18 21 Total 18 21 Total restructured loans not in non-accrual (TDR) — — Total non-performing assets including TDR $ 3,034 $ 1,624 Total non-performing assets as a percent of loans, net of unearned income, and other real estate owned 0.34 % 0.18 % 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 where the loan currently maintains a criticized or classified risk rating, i.e. Special Mention, Substandard or Doubtful, or where the loan will be assigned a criticized or classified rating after the modification is evaluated to determine the need for TDR classification. The specific ALL reserve for loans modified as TDR’s was $748,000 and $527,000 as of December 31, 2017 and 2016, respectively. Loans in non-accrual status # of Loans Current Concession Granted Commercial 2 $ 343 Extension of maturity date Commercial loan secured by real estate 2 587 Extension of maturity date The following table details the TDRs at December 31, 2016 (dollars in thousands). Loans in non-accrual status # of Loans Current Concession Granted Commercial 2 $ 496 Extension of maturity date Commercial loan secured by real estate 1 16 Extension of maturity date 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 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. There were no loans that were modified as TDR’s in the previous 12 months and defaulted during the reporting periods ending December 31, 2017, 2016 or 2015, respectively All TDRs are individually evaluated for impairment and a related allowance is recorded, as needed. 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, 2017 2016 2015 (IN THOUSANDS) Interest income due in accordance with original terms $ 103 $ 118 $ 94 Interest income recorded (75 ) — — Net reduction in interest income $ 28 $ 118 $ 94 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 Sheets. As of December 31, 2017 and 2016, a total of $18,000 and $21,000, respectively of residential real estate foreclosed assets were included in other assets. As of December 31, 2017, the Company had initiated formal foreclosure procedures on $74,000 of consumer residential mortgages.

PREMISES AND EQUIPMENT

PREMISES AND EQUIPMENT	12 Months Ended
	Dec. 31, 2017
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, 2017 2016 (IN THOUSANDS) Land $ 1,198 $ 1,198 Premises 25,745 24,670 Furniture and equipment 8,664 7,949 Leasehold improvements 483 708 Total at cost 36,090 34,525 Less: Accumulated depreciation and amortization 23,356 22,831 Premises and equipment, net $ 12,734 $ 11,694 The Company recorded depreciation expense was $1.7 million for 2017 and $1.8 million for both 2016 and 2015.

DEPOSITS

DEPOSITS	12 Months Ended
	Dec. 31, 2017
Deposits [Abstract]
Deposit Liabilities Disclosures [Text Block]	8. DEPOSITS The following table sets forth the balance of the Company’s deposits: AT DECEMBER 31, 2017 2016 (IN THOUSANDS) Demand: Non-interest bearing $ 183,603 $ 188,808 Interest bearing 170,343 163,801 Savings 96,583 96,475 Money market 238,119 258,978 Certificates of deposit in denominations of $100,000 or more 30,297 27,427 Other time 229,000 232,297 Total deposits $ 947,945 $ 967,786 Interest expense on deposits consisted of the following: YEAR ENDED DECEMBER 31, 2017 2016 2015 (IN THOUSANDS) Interest bearing demand $ 638 $ 317 $ 199 Savings 162 159 156 Money market 1,446 1,198 817 Certificates of deposit in denominations of $100,000 or more 319 283 266 Other time 3,690 3,443 3,314 Total interest expense $ 6,255 $ 5,400 $ 4,752 The following table sets forth the balance of other time deposits and certificates of deposit of $100,000 or more as of December 31, 2017 maturing in the periods presented: YEAR: OTHER CERTIFICATES (IN THOUSANDS) 2018 $ 102,529 $ 24,194 2019 47,133 2,295 2020 38,932 3,707 2021 18,796 — 2022 9,532 — 2023 and after 12,078 101 Total $ 229,000 $ 30,297 The maturities on certificates of deposit greater than $100,000 or more as of December 31, 2017, are as follows: MATURING IN: (IN THOUSANDS) Three months or less $ 6,649 Over three through six months 9,511 Over six through twelve months 8,034 Over twelve months 6,103 Total $ 30,297 The aggregate amount of time deposit accounts (including certificates of deposit) that meet or exceed the FDIC insurance limit at December 31, 2017 and 2016 are $49.7 million and $45.8 million, respectively.

SHORT-TERM BORROWINGS

SHORT-TERM BORROWINGS	12 Months Ended
	Dec. 31, 2017
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, 2017 FEDERAL SHORT-TERM (IN THOUSANDS, EXCEPT RATES) Balance $ — $ 49,084 Maximum indebtedness at any month end 645 51,760 Average balance during year 54 16,972 Average rate paid for the year 0.95 % 1.21 % Interest rate on year-end balance — 1.54 AT DECEMBER 31, 2016 FEDERAL SHORT-TERM (IN THOUSANDS, EXCEPT RATES) Balance $ — $ 12,754 Maximum indebtedness at any month end — 56,686 Average balance during year — 9,030 Average rate paid for the year — 0.58 % Interest rate on year-end balance — 0.74 AT DECEMBER 31, 2015 FEDERAL OTHER (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 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 2017, 2016, and 2015.

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, 2017
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, 2017 MATURING WEIGHTED BALANCE (IN THOUSANDS, EXCEPT RATES) 2018 1.48 $ 12,000 2019 1.51 12,500 2020 1.74 16,729 2021 1.75 5,000 Total advances from FHLB 1.61 $ 46,229 AT DECEMBER 31, 2016 MATURING WEIGHTED BALANCE (IN THOUSANDS, EXCEPT RATES) 2017 1.06 $ 12,000 2018 1.48 12,000 2019 1.51 12,500 2020 1.59 8,042 2021 1.60 1,000 Total advances from FHLB 1.37 $ 45,542 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, 2017, the Company had immediately available $371 million of overnight borrowing capability at the FHLB, $34 million of short-term borrowing availability at the Federal Reserve Bank and $35 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. 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 net balance as of December 31, 2017 and 2016 was $12.9 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. 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. The net balance as of December 31, 2017 and 2016 was $7.5 million and $7.4 million, respectively.

DISCLOSURES ABOUT FAIR VALUE ME

DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS	12 Months Ended
	Dec. 31, 2017
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 fair value of the swap asset is based on an external derivative valuation model using data inputs as of the valuation date and classified Level 2. The following table presents the assets reported on the Consolidated Balance Sheets at their fair value as of December 31, 2017 and 2016, by level within the fair value hierarchy. Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement. Assets and Liability Measured on a Recurring Basis: FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2017 USING TOTAL (LEVEL 1) (LEVEL 2) (LEVEL 3) U.S. Agency securities $ 6,572 $ — $ 6,572 $ — Taxable municipal 7,036 — 7,036 — Corporate bonds 35,784 — 35,784 — U.S. Agency mortgage-backed securities 79,746 — 79,746 — Fair value swap asset 92 — — 92 Fair value swap liability (92 ) — — (92 ) FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2016 USING TOTAL (LEVEL 1) (LEVEL 2) (LEVEL 3) U.S. Agency securities $ 398 $ — $ 398 $ — Taxable municipal 3,622 — 3,622 — Corporate bonds 33,873 — 33,873 — U.S. Agency mortgage-backed securities 89,184 — 89,184 — 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, 2017 USING TOTAL (LEVEL 1) (LEVEL 2) (LEVEL 3) Assets: Impaired loans $ 850 $ — $ — $ 850 Other real estate owned 18 — — 18 FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2016 USING TOTAL (LEVEL 1) (LEVEL 2) (LEVEL 3) Assets: Impaired loans $ 147 $ — $ — $ 147 Other real estate owned 21 — — 21 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, 2017, impaired loans with a carrying value of $1.8 million were reduced by specific valuation allowance totaling $909,000 resulting in a net fair value of $850,000. At December 31, 2016, impaired loans with a carrying value of $674,000 were reduced by specific valuation allowance totaling $527,000 resulting in a net fair value of $147,000. 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, 2017 Quantitative Information About Level 3 Fair Value Measurements Fair Value Valuation Techniques Unobservable Input Range (Wgtd Ave) Impaired loans $ 850 Appraisal of collateral (1) Appraisal adjustments (2) 21% to 75% (54)% Other real estate owned 18 Appraisal of collateral (1) , (3) Appraisal adjustments (2) 16% to 64% (29)% Liquidation expenses (2) 2% to 206% (79)% December 31, 2016 Quantitative Information About Level 3 Fair Value Measurements Fair Value Valuation Techniques Unobservable Input Range (Wgtd Ave) Impaired loans $ 147 Appraisal of collateral (1) Appraisal adjustments (2) 40% to 99% (45)% Other real estate owned 21 Appraisal of collateral (1) , (3) Appraisal adjustments (2) 20% to 77% (42)% Liquidation expenses (2) 3% to 199% (37)% (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, 2017
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, 2017 and 2016, were as follows: AT DECEMBER 31, 2017 Carrying Fair (Level 1) (Level 2) (Level 3) (IN THOUSANDS) FINANCIAL ASSETS: Cash and cash equivalents $ 34,188 $ 34,188 $ 34,188 $ — $ — Investment securities – AFS 129,138 129,138 — 129,138 — Investment securities – HTM 38,752 38,811 — 35,859 2,952 Regulatory stock 6,800 6,800 6,800 — — Loans held for sale 3,125 3,173 3,173 — — Loans, net of allowance for loan loss and unearned income 879,419 873,784 — — 873,784 Accrued interest income receivable 3,603 3,603 3,603 — — Bank owned life insurance 37,860 37,860 37,860 — — Fair value swap asset 92 92 — — 92 FINANCIAL LIABILITIES: Deposits with no stated maturities $ 688,648 $ 688,648 $ 688,648 $ — $ — Deposits with stated maturities 259,297 260,153 — — 260,153 Short-term borrowings 49,084 49,084 49,084 — — All other borrowings 66,617 69,684 — — 69,684 Accrued interest payable 1,754 1,754 1,754 — — Fair value swap liability 92 92 — — 92 AT DECEMBER 31, 2016 Carrying Fair (Level 1) (Level 2) (Level 3) (IN THOUSANDS) FINANCIAL ASSETS: Cash and cash equivalents $ 34,073 $ 34,073 $ 34,073 $ — $ — Investment securities – AFS 127,077 127,077 — 127,077 — Investment securities – HTM 30,665 30,420 — 27,473 2,947 Regulatory stock 5,484 5,484 5,484 — — Loans held for sale 3,094 3,158 3,158 — — Loans, net of allowance for loan loss and unearned income 873,832 869,960 — — 869,960 Accrued interest income receivable 3,116 3,116 3,116 — — Bank owned life insurance 37,903 37,903 37,903 — — FINANCIAL LIABILITIES: Deposits with no stated maturities $ 708,062 $ 708,062 $ 708,062 $ — $ — Deposits with stated maturities 259,724 261,446 — — 261,446 Short-term borrowings 12,754 12,754 12,754 — — All other borrowings 65,891 69,348 — — 69,348 Accrued interest payable 1,640 1,640 1,640 — — 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. The fair values of the fair value swaps used for interest rate risk management represents the amount the Company would have expected to receive or pay to terminate such agreements. 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, 2017
Income Tax Disclosure [Abstract]
Income Tax Disclosure [Text Block]	13. INCOME TAXES The Tax Cuts and Jobs Act, enacted on December 22, 2017 lowered the federal corporate income tax rate from 35% to 21% effective January 1, 2018. As a result, the carrying value of the net deferred tax assets was reduced which increased income tax expense by $2,624,000. The expense for income taxes is summarized below: YEAR ENDED DECEMBER 31, 2017 2016 2015 (IN THOUSANDS) Current $ 1,044 $ 483 $ 1,455 Deferred 1,679 414 888 Change in corporate tax rate 2,624 — — Income tax expense $ 5,347 $ 897 $ 2,343 The reconciliation between the federal statutory tax rate and the Company’s effective consolidated income tax rate is as follows: YEAR ENDED DECEMBER 31, 2017 2016 2015 AMOUNT RATE AMOUNT RATE AMOUNT RATE (IN THOUSANDS, EXCEPT PERCENTAGES) Income tax expense based on federal statutory rate $ 2,938 34.0 % $ 1,090 34.0 % $ 2,836 34.0 % Tax exempt income (283 ) (3.3 ) (255 ) (7.9 ) (574 ) (6.9 ) Other 68 0.8 62 1.9 81 1.0 Change in corporate tax rate 2,624 30.4 — — — — Total expense for income taxes $ 5,347 61.9 % $ 897 28.0 % $ 2,343 28.1 % The following table highlights the major components comprising the deferred tax assets and liabilities for each of the periods presented: AT DECEMBER 31, 2017 2016 (IN THOUSANDS) DEFERRED TAX ASSETS: Allowance for loan losses $ 2,145 $ 3,377 Unfunded commitment reserve 192 303 Unrealized investment security losses 87 87 Premises and equipment 804 1,542 Accrued pension obligation 948 2,582 Alternative minimum tax credits 1,724 2,110 Other 219 895 Total tax assets 6,119 10,896 DEFERRED TAX LIABILITIES: Investment accretion (33 ) (24 ) Other (123 ) (217 ) Total tax liabilities (156 ) (241 ) Net deferred tax asset $ 5,963 $ 10,655 At December 31, 2017 and 2016, 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 alternative minimum tax (AMT) credits. The change in net deferred tax assets and liabilities consist of the following: YEAR ENDED 2017 2016 (IN THOUSANDS) Unrealized gains recognized in comprehensive income $ 53 $ 507 Pension obligation of the defined benefit plan not yet recognized in income (442 ) 1,569 Deferred provision for income taxes (1,679 ) (414 ) Change in corporate tax rate (2,624 ) — Net increase (decrease) $ (4,692 ) $ 1,662 The Company has AMT credit carryforwards of approximately $1.7 million at December 31, 2017. These credits have an indefinite carryforward period. 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 2014 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, 2017
Compensation and Retirement Disclosure [Abstract]
Pension and Other Postretirement Benefits Disclosure [Text Block]	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 $1.2 million 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, 2017. PENSION BENEFITS: YEAR ENDED DECEMBER 31, 2017 2016 (IN THOUSANDS) CHANGE IN BENEFIT OBLIGATION: Benefit obligation at beginning of year $ 38,637 $ 33,117 Service cost 1,516 1,468 Interest cost 1,292 1,430 Actuarial (gain) loss 1,588 4,578 Benefits paid (2,020 ) (1,956 ) Benefit obligation at end of year 41,013 38,637 CHANGE IN PLAN ASSETS: Fair value of plan assets at beginning of year 30,671 28,429 Actual return on plan assets 4,949 348 Employer contributions 3,500 3,850 Benefits paid (2,020 ) (1,956 ) Fair value of plan assets at end of year 37,100 30,671 Funded status of the plan $ (3,913 ) $ (7,966 ) YEAR ENDED DECEMBER 31, 2017 2016 (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 $ 15,326 $ 17,602 Total $ 15,326 $ 17,602 YEAR ENDED DECEMBER 31, 2017 2016 (IN THOUSANDS) ACCUMULATED BENEFIT OBLIGATION: Accumulated benefit obligation $ 37,594 $ 35,153 YEAR ENDED DECEMBER 31, 2017 2016 WEIGHTED AVERAGE ASSUMPTIONS: Discount rate 3.63 % 4.12 % Salary scale 2.50 2.50 YEAR ENDED DECEMBER 31, 2017 2016 2015 (IN THOUSANDS) COMPONENTS OF NET PERIODIC BENEFIT COST: Service cost $ 1,516 $ 1,468 $ 1,557 Interest cost 1,292 1,430 1,341 Expected return on plan assets (2,539 ) (2,275 ) (2,130 ) Recognized net actuarial loss 1,454 1,333 1,386 Net periodic pension cost $ 1,723 $ 1,956 $ 2,154 YEAR ENDED DECEMBER 31, 2017 2016 2015 (IN THOUSANDS) OTHER CHANGES IN PLAN ASSETS AND BENEFIT OBLIGATIONS RECOGNIZED IN OTHER COMPREHENSIVE LOSS Net (gain) loss $ (822 ) $ 6,505 $ 1,221 Recognized loss (1,454 ) (1,333 ) (1,386 ) Total recognized in other comprehensive loss before tax effect $ (2,276 ) $ 5,172 $ (165 ) Total recognized in net benefit cost and other comprehensive loss before tax effect $ (553 ) $ 7,128 $ 1,989 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 $1,561,000. YEAR ENDED DECEMBER 31, 2017 2016 2015 WEIGHTED AVERAGE ASSUMPTIONS: Discount rate 4.12 % 4.20 % 4.00 % Expected return on plan assets 7.75 7.75 8.00 Rate of compensation increase 2.50 2.50 2.50 The Company has assumed a 7.75% 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 2017 2016 ASSET CATEGORY: Cash and cash equivalents —% 8 % Domestic equities 12 10 Mutual funds/ETFs 82 76 International equities 4 1 Corporate bonds 2 5 Total 100 % 100 % YEAR ENDED 2017 2016 (IN THOUSANDS) Level 1: Cash and cash equivalents $ 44 $ 2,454 Domestic equities 4,340 3,067 Mutual funds/ETFs 30,470 23,310 International equities 1,322 307 Level 2: Corporate bonds 924 1,533 Total fair value of plan assets $ 37,100 $ 30,671 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, 2017, 3.4% 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 2018 will be approximately $3.5 million. ESTIMATED FUTURE BENEFIT PAYMENTS: YEAR: ESTIMATED FUTURE (IN THOUSANDS) 2018 $ 2,698 2019 2,692 2020 2,817 2021 2,832 2022 3,116 Years 2023 – 2027 14,988 401(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 $469,000, $447,000 and $433,000 for the years ended December 31, 2017, 2016 and 2015, respectively. The fair value of plan assets includes $1.1 million pertaining to the value of the Company’s common stock and Trust Preferred securities that are held by the plan at December 31, 2017. 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, 2017
Leases, Operating [Abstract]
Leases of Lessee Disclosure [Text Block]	15. LEASE COMMITMENTS YEAR: FUTURE MINIMUM LEASE PAYMENTS (IN THOUSANDS) 2018 $ 445 2019 277 2020 254 2021 254 2022 256 2023 and thereafter 1,558 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 $571,000, $767,000 and $821,000, in 2017, 2016, and 2015, respectively.

COMMITMENTS AND CONTINGENT LIAB

COMMITMENTS AND CONTINGENT LIABILITIES	12 Months Ended
	Dec. 31, 2017
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, 2017, the Company had various outstanding commitments to extend credit approximating $165.1 million and standby letters of credit of $10.0 million, compared to commitments to extend credit of $160.5 million and standby letters of credit of $8.5 million at December 31, 2016. Standby letters of credit had terms ranging from 1 to 2 years with annual extension options available. Standby letters of credit of approximately $5.1 million were secured as of December 31, 2017 and approximately $3.9 million at December 31, 2016. The carrying amount of the liability for AmeriServ obligations related to unfunded commitments and standby letters of credit was $915,000 at December 31, 2017 and $890,000 at December 31, 2016. 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, 2017
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.

STOCK COMPENSATION PLANS

STOCK COMPENSATION PLANS	12 Months Ended
	Dec. 31, 2017
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 $13,000 of pretax compensation expense for the year 2017, $20,000 in 2016 and $29,000 in 2015. 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, 2017, 2016, and 2015, and changes during the years then ended is presented in the table and narrative following: YEAR ENDED DECEMBER 31 2017 2016 2015 SHARES WEIGHTED AVERAGE EXERCISE PRICE SHARES WEIGHTED AVERAGE EXERCISE PRICE SHARES WEIGHTED AVERAGE EXERCISE PRICE Outstanding at beginning of year 417,566 $ 2.76 470,449 $ 2.74 559,909 $ 2.66 Granted 17,500 3.96 54,000 3.03 32,500 2.96 Exercised (64,112 ) 2.49 (32,661 ) 2.27 (75,923 ) 2.07 Forfeited (10,233 ) 3.10 (74,222 ) 3.04 (46,037 ) 3.04 Outstanding at end of year 360,721 2.85 417,566 2.76 470,449 2.74 Exercisable at end of year 308,301 2.79 328,062 2.69 336,555 2.58 Weighted average fair value of options granted in current year $ 1.12 $ 0.93 $ 0.67 A total of 308,301 of the 360,721 options outstanding at December 31, 2017, are exercisable and have exercise prices between $1.53 and $4.00, with a weighted average exercise price of $2.85 and a weighted average remaining contractual life of 5.03 years. The remaining 52,420 options that are not yet exercisable have exercise prices between $2.96 and $4.00, with a weighted average exercise price of $3.22 and a weighted average remaining contractual life of 7.90 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 2017, 2016, and 2015. YEAR ENDED DECEMBER 31 BLACK-SCHOLES ASSUMPTION RANGES 2017 2016 2015 Risk-free interest rate 2.23 – 2.38% 1.56 – 1.73% 1.97% Expected lives in years 10 10 10 Expected volatility 28.09 – 28.84% 29% 22% Expected dividend rate 1.50% 1.35-1.81% 1.35%

ACCUMULATED OTHER COMPREHENSIVE

ACCUMULATED OTHER COMPREHENSIVE LOSS	12 Months Ended
	Dec. 31, 2017
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, 2017 and 2016 (in thousands): YEAR ENDING DECEMBER 31, 2017 YEAR ENDING DECEMBER 31, 2016 Net (1) Defined (1) Total (1) Net (1) Defined (1) Total (1) Beginning balance $ (171 ) $ (11,406 ) $ (11,577 ) $ 808 $ (8,363 ) $ (7,555 ) Reclassification of certain income tax effects from accumulated other comprehensive loss (53 ) (2,078 ) (2,131 ) — — — Other comprehensive income (loss) before reclassifications (27 ) 1,071 1,044 (862 ) (3,563 ) (4,425 ) Amounts reclassified from accumulated other comprehensive loss (76 ) (210 ) (286 ) (117 ) 520 403 Net current period other comprehensive loss (156 ) (1,217 ) (1,373 ) (979 ) (3,043 ) (4,022 ) Ending balance $ (327 ) $ (12,623 ) $ (12,950 ) $ (171 ) $ (11,406 ) $ (11,577 ) (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, 2017 and 2016 (in thousands): Amount reclassified from accumulated other comprehensive loss (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 $ (115 ) $ (177 ) Net realized gains on investment securities 39 60 Provision for income taxes $ (76 ) $ (117 ) Net of tax Amortization of defined benefit items (2) $ (318 ) $ 788 Salaries and employee benefits 108 (268 ) Provision for income taxes $ (210 ) $ 520 Net of tax Total reclassifications for the period $ (286 ) $ 403 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, 2017
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. The balance of the Company’s goodwill at December 31, 2017 and 2016 was $11.9 million, respectively.

DERIVATIVE HEDGING INSTRUMENTS

DERIVATIVE HEDGING INSTRUMENTS	12 Months Ended
	Dec. 31, 2017
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. To accommodate the needs of our customers and support the Company’s asset/liability positioning, we entered into interest rate swap agreements with customers and a large financial institution that specializes in these types of transactions in 2017. These arrangements involve the exchange of interest payments based on the notional amounts. The Company entered into floating rate loans and fixed rate swaps with our customers. Simultaneously, the Company entered into an offsetting fixed rate swaps with PNC. In connection with each swap transaction, the Company agrees to pay interest to the customer on a notional amount at a variable interest rate and receive interest from the customer on the same notional amount at a fixed interest rate. At the same time, the Company agrees to pay PNC the same fixed interest rate on the same notional amount and receive the same variable interest rate on the same notional amount. These transactions allow the Company’s customers to effectively convert a variable rate loan to a fixed rate. Because the Company acts as an intermediary for its customers, changes in the fair value of the underlying derivative contracts offset each other and do not significantly impact the Company’s results of operations. The Company received $139,000 in fees on the transactions. The following table summarizes the interest rate swap transactions that impacted the Company’s 2017 performance. HEDGE AGGREGATE WEIGHTED REPRICING INCREASE SWAP ASSETS FAIR VALUE $ 16,948,686 3.47 % MONTHLY $ (110,778 ) SWAP LIABILITIES FAIR VALUE (16,948,686 ) (3.47 ) MONTHLY 110,778 NET EXPOSURE — — — 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 of Directors. The Company had no caps or floors outstanding at December 31, 2017.

SEGMENT RESULTS

SEGMENT RESULTS	12 Months Ended
	Dec. 31, 2017
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 BUILD funds which are union collective investment 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. The contribution of the major business segments to the Consolidated Results of Operations were as follows: YEAR ENDED DECEMBER 31, 2017 RETAIL BANKING COMMERCIAL BANKING TRUST INVESTMENT/ TOTAL (IN THOUSANDS) Net interest income $ 20,541 $ 18,642 $ 61 $ (3,683 ) $ 35,561 Provision for loan loss 122 678 — — 800 Non-interest income 4,956 414 9,170 105 14,645 Non-interest expense 21,247 9,892 7,094 2,533 40,766 Income (loss) before income taxes 4,128 8,486 2,137 (6,111 ) 8,640 Income tax expense 1,381 2,642 772 552 5,347 Net income (loss) $ 2,747 $ 5,844 $ 1,365 $ (6,663 ) $ 3,293 Total assets $ 353,924 $ 643,055 $ 5,413 $ 165,263 $ 1,167,655 YEAR ENDED DECEMBER 31, 2016 RETAIL BANKING COMMERCIAL BANKING TRUST INVESTMENT/ TOTAL (IN THOUSANDS) Net interest income $ 20,860 $ 18,518 $ 56 $ (5,300 ) $ 34,134 Provision for loan loss 175 3,775 — — 3,950 Non-interest income 5,281 439 8,749 169 14,638 Non-interest expense 21,704 10,453 7,097 2,361 41,615 Income (loss) before income taxes 4,262 4,729 1,708 (7,492 ) 3,207 Income tax expense (benefit) 1,252 1,387 581 (2,323 ) 897 Net income (loss) $ 3,010 $ 3,342 $ 1,127 $ (5,169 ) $ 2,310 Total assets $ 357,500 $ 635,843 $ 5,217 $ 155,220 $ 1,153,780 YEAR ENDED DECEMBER 31, 2015 RETAIL BANKING COMMERCIAL BANKING TRUST INVESTMENT/ TOTAL (IN THOUSANDS) Net interest income $ 20,680 $ 18,390 $ 58 $ (3,767 ) $ 35,361 Credit 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 $ 415,008 $ 589,840 $ 5,263 $ 138,386 $ 1,148,497

REGULATORY CAPITAL

REGULATORY CAPITAL	12 Months Ended
	Dec. 31, 2017
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, 2017 and 2016, 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, common equity Tier I 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 7.20% and 7.31% for 2017 and 2016, respectively. AT DECEMBER 31, 2017 COMPANY BANK MINIMUM TO BE WELL AMOUNT RATIO AMOUNT RATIO RATIO RATIO (IN THOUSANDS, EXCEPT RATIOS) Total Capital (To Risk Weighted Assets) $ 126,276 13.21 % $ 110,681 11.64 % 8.00 % 10.00 % Tier 1 Common Equity (To Risk Weighted Assets) 95,882 10.03 99,552 10.47 4.50 6.50 Tier 1 Capital (To Risk Weighted Assets) 107,682 11.26 99,552 10.47 6.00 8.00 Tier 1 Capital (To Average Assets) 107,682 9.32 99,552 8.75 4.00 5.00 AT DECEMBER 31, 2016 COMPANY BANK MINIMUM TO BE WELL AMOUNT RATIO AMOUNT RATIO RATIO RATIO (IN THOUSANDS, EXCEPT RATIOS) Total Capital (To Risk Weighted Assets) $ 125,131 13.15 % $ 107,618 11.35 % 8.00 % 10.00 % Tier 1 Common Equity (To Risk Weighted Assets) 95,028 9.99 96,796 10.21 4.50 6.50 Tier 1 Capital (To Risk Weighted Assets) 106,868 11.23 96,796 10.21 6.00 8.00 Tier 1 Capital (To Average Assets) 106,868 9.35 96,796 8.61 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, 2017
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, 2017 2016 (IN THOUSANDS) ASSETS Cash $ 100 $ 100 Short-term investments in money market funds 4,521 5,397 Investment securities available for sale 5,307 6,041 Equity investment in banking subsidiary 99,408 97,158 Equity investment in non-banking subsidiaries 6,444 5,168 Other assets 499 2,665 TOTAL ASSETS $ 116,279 $ 116,529 LIABILITIES Guaranteed junior subordinated deferrable interest debentures $ 12,923 $ 12,908 Subordinated debt 7,465 7,441 Other liabilities 789 785 TOTAL LIABILITIES 21,177 21,134 STOCKHOLDERS’ EQUITY Total stockholders’ equity 95,102 95,395 TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY $ 116,279 $ 116,529 STATEMENTS OF OPERATIONS YEAR ENDED DECEMBER 31, 2017 2016 2015 (IN THOUSANDS) INCOME Inter-entity management and other fees $ 2,315 $ 2,305 $ 2,432 Dividends from banking subsidiary 2,850 3,000 5,100 Dividends from non-banking subsidiaries 840 650 975 Interest, dividend and other income 163 214 669 TOTAL INCOME 6,168 6,169 9,176 EXPENSE Interest expense 1,642 1,640 1,125 Salaries and employee benefits 2,416 2,314 2,302 Other expense 1,618 1,549 1,562 TOTAL EXPENSE 5,676 5,503 4,989 INCOME BEFORE INCOME TAXES AND EQUITY IN UNDISTRIBUTED EARNINGS OF SUBSIDIARIES 492 666 4,187 Benefit for income taxes (1,114 ) (1,015 ) (642 ) Equity in undistributed earnings of subsidiaries 1,687 629 1,168 NET INCOME $ 3,293 $ 2,310 $ 5,997 COMPREHENSIVE INCOME (LOSS) $ 4,051 $ (1,712 ) $ 5,344 STATEMENTS OF CASH FLOWS YEAR ENDED DECEMBER 31, 2017 2016 2015 (IN THOUSANDS) OPERATING ACTIVITIES Net income $ 3,293 $ 2,310 $ 5,997 Adjustment to reconcile net income to net cash (used in) provided by operating activities: Equity in undistributed earnings of subsidiaries (1,687 ) (629 ) (1,168 ) Stock compensation expense 13 20 29 Other – net 1,325 1,463 842 NET CASH PROVIDED BY (USED IN) OPERATING ACTIVITIES 2,944 3,164 5,700 INVESTING ACTIVITIES Purchase of investment securities – available for sale (1,002 ) (996 ) (1,533 ) Proceeds from maturity and sales of investment securities – available for sale 1,699 3,396 4,669 Proceeds from life insurance policies — — 719 NET CASH PROVIDED BY INVESTING ACTIVITIES 697 2,400 3,855 FINANCING ACTIVITIES Subordinated debt issuance, net — — 7,418 Preferred stock redemption — (21,000 ) — Preferred stock dividends paid — (15 ) (210 ) Purchases of treasury stock (3,404 ) — — Common stock dividends paid (1,113 ) (945 ) (754 ) NET CASH (USED IN) PROVIDED BY FINANCING ACTIVITIES (4,517 ) (21,960 ) 6,454 NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS (876 ) (16,396 ) 16,009 CASH AND CASH EQUIVALENTS AT JANUARY 1 5,497 21,893 5,884 CASH AND CASH EQUIVALENTS AT DECEMBER 31 $ 4,621 $ 5,497 $ 21,893 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 $110,300,000 of restricted surplus and retained earnings at December 31, 2017.

SELECTED QUARTERLY CONSOLIDATED

SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA	12 Months Ended
	Dec. 31, 2017
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: 2017 QUARTER ENDED DEC. 31 SEPT. 30 JUNE 30 MARCH 31 (IN THOUSANDS, EXCEPT PER SHARE DATA) Interest income $ 11,370 $ 11,187 $ 11,051 $ 10,748 Interest expense 2,366 2,250 2,152 2,027 Net interest income 9,004 8,937 8,899 8,721 Provision for loan losses 50 200 325 225 Net interest income after provision for loan losses 8,954 8,737 8,574 8,496 Non-interest income 3,699 3,629 3,755 3,562 Non-interest expense 10,250 10,114 10,317 10,085 Income before income taxes 2,403 2,252 2,012 1,973 Provision for income taxes 3,398 701 623 625 Net income (loss) $ (995 ) $ 1,551 $ 1,389 $ 1,348 Basic earnings (loss) per common share $ (0.05 ) $ 0.08 $ 0.07 $ 0.07 Diluted earnings (loss) per common share (0.05 ) 0.08 0.07 0.07 Cash dividends declared per common share 0.015 0.015 0.015 0.015 2016 QUARTER ENDED DEC. 31 SEPT. 30 JUNE 30 MARCH 31 (IN THOUSANDS, EXCEPT PER SHARE DATA) Interest income $ 10,582 $ 10,476 $ 10,389 $ 10,422 Interest expense 1,998 1,970 1,903 1,864 Net interest income 8,584 8,506 8,486 8,558 Provision for loan losses 300 300 250 3,100 Net interest income after provision for loan losses 8,284 8,206 8,236 5,458 Non-interest income 3,798 3,661 3,742 3,437 Non-interest expense 10,509 10,356 10,039 10,711 Income (loss) before income taxes 1,573 1,511 1,939 (1,816 ) Provision (benefit) for income taxes 423 446 577 (549 ) Net income (loss) $ 1,150 $ 1,065 $ 1,362 $ (1,267 ) Basic earnings (loss) per common share $ 0.06 $ 0.06 $ 0.07 $ (0.07 ) Diluted earnings (loss) per common share 0.06 0.06 0.07 (0.07 ) Cash dividends declared per common share 0.015 0.015 0.010 0.010

SUMMARY OF SIGNIFICANT ACCOUN34

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 2017
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 15 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 $2.2 billion that are not recognized on the Company’s Consolidated Balance Sheet at December 31, 2017.
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 15 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. 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 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.
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 10,000, 51,273, and 58,788 shares of common stock were outstanding during 2017, 2016 and 2015, 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 $4.00, $3.23-$4.60, and $3.23-$4.70 during 2017, 2016 and 2015, respectively. Dividends on preferred shares are deducted from net income in the calculation of earnings per common share. YEAR ENDED DECEMBER 31, 2017 2016 2015 (IN THOUSANDS, EXCEPT PER SHARE DATA) Numerator: Net income $ 3,293 $ 2,310 $ 5,997 Preferred stock dividends — 15 210 Net income available to common shareholders $ 3,293 $ 2,295 $ 5,787 Denominator: Weighted average common shares outstanding (basic) 18,498 18,896 18,863 Effect of stock options 102 59 70 Weighted average common shares outstanding (diluted) 18,600 18,955 18,933 Earnings per common share: Basic $ 0.18 $ 0.12 $ 0.31 Diluted 0.18 0.12 0.31
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 $13,000, $20,000 and $29,000 of pretax compensation expense for the years 2017, 2016 and 2015, respectively. 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 $1,075,000 in income tax payments in 2017; $375,000 in 2016; and $1,554,000 in 2015. The Company had non-cash transfers to other real estate owned (OREO) in the amounts of $77,000 in 2017; $172,000 in 2016; and $189,000 in 2015. The Company made total interest payments of $8,681,000 in 2017; $7,746,000 in 2016; and $6,575,000 in 2015.
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. In conjunction with the annual measurement of the funded status of Company’s pension plan at December 31, 2016, management elected to change the manner in which the service cost and interest cost components of net periodic benefit cost will be determined in 2017 and beyond. Previously, the service cost and interest cost components were determined by multiplying the single equivalent rate described above and the aggregate discounted cash flows of the plan’s service cost and projected benefit obligations. Under the new methodology, the service cost component will be determined by aggregating the product of the discounted cash flows of the plan’s service cost for each year and an individual spot rate (referred to as the “spot rate” approach). The interest cost component will be determined by aggregating the product of the discounted cash flows of the plan’s projected benefit obligations for each year and an individual spot rate. This change will result in a lower service cost and interest cost components of net periodic benefit cost under the new methodology compared to the previous methodology. Management believes this new methodology, which represents a change in an accounting estimate, is a better measure of the service cost and interest cost as each year’s cash flows are specifically linked to the interest rates of bond payments in the same respective year. 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 January 2016, the FASB issued ASU 2016-01, Financial Instruments — Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842) In June 2016, the FASB issued ASU 2016-13, Financial Instruments — Credit Losses: Measurement of Credit Losses on Financial Instruments In March 2017, the FASB issued ASU 2017-07, Compensation — Retirement Benefits (Topic 715) In March 2017, the FASB issued ASU 2017-08, Receivables — Nonrefundable Fees and Other Costs (Subtopic 310-20). In February 2018, the FASB issued ASU 2018-02, Income Statement — Reporting Comprehensive Income (Topic 220) An Act to Provide for Reconciliation Pursuant to Titles II and V of the Concurrent Resolution on the Budget for Fiscal Year 2018 (Tax Cuts and Jobs Act)

SUMMARY OF SIGNIFICANT ACCOUN35

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)	12 Months Ended
	Dec. 31, 2017
Accounting Policies [Abstract]
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	YEAR ENDED DECEMBER 31, 2017 2016 2015 (IN THOUSANDS, EXCEPT PER SHARE DATA) Numerator: Net income $ 3,293 $ 2,310 $ 5,997 Preferred stock dividends — 15 210 Net income available to common shareholders $ 3,293 $ 2,295 $ 5,787 Denominator: Weighted average common shares outstanding (basic) 18,498 18,896 18,863 Effect of stock options 102 59 70 Weighted average common shares outstanding (diluted) 18,600 18,955 18,933 Earnings per common share: Basic $ 0.18 $ 0.12 $ 0.31 Diluted 0.18 0.12 0.31

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	12 Months Ended
	Dec. 31, 2017
Investments [Abstract]
Schedule of Available-for-sale Securities Reconciliation [Table Text Block]	The cost basis and fair values of investment securities are summarized as follows: Investment securities available for sale: AT DECEMBER 31, 2017 COST GROSS GROSS FAIR (IN THOUSANDS) U.S. Agency $ 6,612 $ — $ (40 ) $ 6,572 Taxable municipal 7,198 27 (189 ) 7,036 Corporate bonds 35,886 322 (424 ) 35,784 U.S. Agency mortgage-backed securities 79,854 611 (719 ) 79,746 Total $ 129,550 $ 960 $ (1,372 ) $ 129,138 Investment securities held to maturity: AT DECEMBER 31, 2017 COST GROSS GROSS FAIR (IN THOUSANDS) U.S. Agency mortgage-backed securities $ 9,740 $ 149 $ (45 ) $ 9,844 Taxable municipal 22,970 203 (238 ) 22,935 Corporate bonds and other securities 6,042 38 (48 ) 6,032 Total $ 38,752 $ 390 $ (331 ) $ 38,811 Investment securities available for sale: AT DECEMBER 31, 2016 COST GROSS GROSS FAIR (IN THOUSANDS) U.S. Agency $ 400 $ — $ (2 ) $ 398 Taxable municipal 3,793 3 (174 ) 3,622 Corporate bonds 34,403 194 (724 ) 33,873 U.S. Agency mortgage-backed securities 88,738 1,132 (686 ) 89,184 Total $ 127,334 $ 1,329 $ (1,586 ) $ 127,077 Investment securities held to maturity: AT DECEMBER 31, 2016 COST GROSS GROSS FAIR (IN THOUSANDS) U.S. Agency mortgage-backed securities $ 11,177 $ 180 $ (79 ) $ 11,278 Taxable municipal 13,441 70 (348 ) 13,163 Corporate bonds and other securities 6,047 15 (83 ) 5,979 Total $ 30,665 $ 265 $ (510 ) $ 30,420
Schedule of Contractual Maturities of Securities [Table Text Block]	AT DECEMBER 31, 2017 U.S. AGENCY U.S. AGENCY CORPORATE TOTAL INVESTMENT SECURITIES (IN THOUSANDS, EXCEPT YIELDS) COST BASIS Within 1 year $ 400 1.03 % $ 1 6.00 % $ — —% $ 401 1.04 % After 1 year but within 5 years — — 848 2.09 10,938 2.99 11,786 2.93 After 5 years but within 10 years 3,230 2.75 14,623 2.91 30,646 3.64 48,499 3.36 After 10 years but within 15 years — — 24,516 2.30 1,500 3.98 26,016 2.39 Over 15 years 2,982 2.69 39,866 2.52 — — 42,848 2.53 Total $ 6,612 2.62 $ 79,854 2.52 $ 43,084 3.49 $ 129,550 2.84 FAIR VALUE Within 1 year $ 399 $ 1 $ — $ 400 After 1 year but within 5 years — 843 10,924 11,767 After 5 years but within 10 years 3,220 14,859 30,477 48,556 After 10 years but within 15 years — 24,301 1,419 25,720 Over 15 years 2,953 39,742 — 42,695 Total $ 6,572 $ 79,746 $ 42,820 $ 129,138 Investment securities held to maturity: AT DECEMBER 31, 2017 U.S. AGENCY CORPORATE TOTAL (IN THOUSANDS, EXCEPT YIELDS) COST BASIS Within 1 year $ — —% $ 2,000 1.78 % $ 2,000 1.78 % After 1 year but within 5 years 688 2.11 1,751 2.29 2,439 2.24 After 5 years but within 10 years 2,081 2.49 12,797 3.57 14,878 3.42 After 10 years but within 15 years 2,604 3.30 11,643 3.64 14,247 3.58 Over 15 years 4,367 3.07 821 4.75 5,188 3.34 Total $ 9,740 2.94 $ 29,012 3.43 $ 38,752 3.31 FAIR VALUE Within 1 year $ — $ 1,976 $ 1,976 After 1 year but within 5 years 677 1,734 2,411 After 5 years but within 10 years 2,075 12,815 14,890 After 10 years but within 15 years 2,685 11,597 14,282 Over 15 years 4,407 845 5,252 Total $ 9,844 $ 28,967 $ 38,811
Schedule of Unrealized Loss on Investments [Table Text Block]	The following tables present information concerning investments with unrealized losses as of December 31, 2017 (in thousands): Total investment securities: LESS THAN 12 MONTHS 12 MONTHS OR LONGER TOTAL FAIR UNREALIZED FAIR UNREALIZED FAIR UNREALIZED U.S. Agency $ 5,923 $ (39 ) $ 399 $ (1) $ 6,322 $ (40 ) U.S. Agency mortgage-backed securities 36,783 (253 ) 22,625 (511 ) 59,408 (764 ) Taxable municipal 8,657 (109 ) 7,727 (318 ) 16,384 (427 ) Corporate bonds and other securities 7,123 (71 ) 13,655 (401 ) 20,778 (472 ) Total $ 58,486 $ (472 ) $ 44,406 $ (1,231 ) $ 102,892 $ (1,703 ) The following tables present information concerning investments with unrealized losses as of December 31, 2016 (in thousands): Total investment securities: LESS THAN 12 MONTHS 12 MONTHS OR LONGER TOTAL FAIR UNREALIZED FAIR UNREALIZED FAIR UNREALIZED U.S. Agency $ 398 $ (2 ) $ — $ — $ 398 $ (2 ) U.S. Agency mortgage-backed securities 49,918 (703 ) 1,576 (62 ) 51,494 (765 ) Taxable municipal 13,301 (522 ) — — 13,301 (522 ) Corporate bonds and other securities 20,380 (570 ) 6,762 (237 ) 27,142 (807 ) Total $ 83,997 $ (1,797 ) $ 8,338 $ (299 ) $ 92,335 $ (2,096 )

LOANS (Tables)

LOANS (Tables)	12 Months Ended
	Dec. 31, 2017
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, 2017 2016 (IN THOUSANDS) Commercial $ 159,192 $ 171,529 Commercial loans secured by real estate 463,780 446,598 Real estate-mortgage 247,278 245,765 Consumer 19,383 19,872 Loans, net of unearned income $ 889,633 $ 883,764

ALLOWANCE FOR LOAN LOSSES (Tabl

ALLOWANCE FOR LOAN LOSSES (Tables)	12 Months Ended
	Dec. 31, 2017
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 $ 4,041 $ (278 ) $ 27 $ 509 $ 4,299 Commercial loans secured by real estate 3,584 (165 ) 14 233 3,666 Real estate-mortgage 1,169 (313 ) 250 (4 ) 1,102 Consumer 151 (172 ) 119 30 128 Allocation for general risk 987 — — 32 1,019 Total $ 9,932 $ (928) $ 410 $ 800 $ 10,214 BALANCE AT CHARGE- RECOVERIES PROVISION BALANCE AT Commercial $ 4,244 $ (3,648 ) $ 140 $ 3,305 $ 4,041 Commercial loans secured by real estate 3,449 (13 ) 40 108 3,584 Real estate-mortgage 1,173 (291 ) 147 140 1,169 Consumer 151 (344 ) 30 314 151 Allocation for general risk 904 — — 83 987 Total $ 9,921 $ (4,296 ) $ 357 $ 3,950 $ 9,932 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
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, 2017 (IN THOUSANDS) Loans: COMMERCIAL COMMERCIAL REAL CONSUMER TOTAL Individually evaluated for impairment $ 1,212 $ 547 $ — $ — $ 1,759 Collectively evaluated for impairment 157,980 463,233 247,278 19,383 887,874 Total loans $ 159,192 $ 463,780 $ 247,278 $ 19,383 $ 889,633 AT DECEMBER 31, 2017 (IN THOUSANDS) Allowance for loan losses: COMMERCIAL COMMERCIAL REAL CONSUMER ALLOCATION TOTAL Specific reserve allocation $ 909 $ — $ — $ — $ — $ 909 General reserve allocation 3,390 3,666 1,102 128 1,019 9,305 Total allowance for loan losses $ 4,299 $ 3,666 $ 1,102 $ 128 $ 1,019 $ 10,214 AT DECEMBER 31, 2016 (IN THOUSANDS) Loans: COMMERCIAL COMMERCIAL REAL CONSUMER TOTAL Individually evaluated for impairment $ 496 $ 178 $ — $ — $ 674 Collectively evaluated for impairment 171,033 446,420 245,765 19,872 883,090 Total loans $ 171,529 $ 446,598 $ 245,765 $ 19,872 $ 883,764 AT DECEMBER 31, 2016 (IN THOUSANDS) Allowance for loan losses: COMMERCIAL COMMERCIAL REAL CONSUMER ALLOCATION TOTAL Specific reserve allocation $ 496 $ 31 $ — $ — $ — $ 527 General reserve allocation 3,545 3,553 1,169 151 987 9,405 Total allowance for loan losses $ 4,041 $ 3,584 $ 1,169 $ 151 $ 987 $ 9,932
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, 2017 IMPAIRED LOANS WITH IMPAIRED TOTAL IMPAIRED LOANS RECORDED RELATED RECORDED RECORDED UNPAID (IN THOUSANDS) Commercial $ 342 $ 342 $ 11 $ 353 $ 354 Commercial loans secured by real estate 859 567 547 1,406 1,461 Total impaired loans $ 1,201 $ 909 $ 558 $ 1,759 $ 1,815 AT DECEMBER 31, 2016 IMPAIRED LOANS WITH IMPAIRED TOTAL IMPAIRED LOANS RECORDED RELATED RECORDED RECORDED UNPAID (IN THOUSANDS) Commercial $ 496 $ 496 $ — $ 496 $ 517 Commercial loans secured by real estate 162 31 16 178 209 Total impaired loans $ 658 $ 527 $ 16 $ 674 $ 726
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, 2017 2016 2015 (IN THOUSANDS) Average impaired balance: Commercial $ 1,075 $ 718 $ 1,271 Commercial loans secured by real estate 838 356 866 Consumer — — 9 Average investment in impaired loans $ 1,913 $ 1,074 $ 2,146 Interest income recognized: Commercial $ 28 $ 14 $ 10 Commercial loans secured by real estate 34 8 17 Consumer — — — Interest income recognized on a cash basis on impaired loans $ 62 $ 22 $ 27
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, 2017 PASS SPECIAL SUBSTANDARD DOUBTFUL TOTAL (IN THOUSANDS) Commercial $ 156,449 $ 500 $ 1,999 $ 244 $ 159,192 Commercial loans secured by real estate 450,019 11,828 1,634 299 463,780 Total $ 606,468 $ 12,328 $ 3,633 $ 543 $ 622,972 AT DECEMBER 31, 2016 PASS SPECIAL SUBSTANDARD DOUBTFUL TOTAL (IN THOUSANDS) Commercial $ 168,116 $ 1,087 $ 1,830 $ 496 $ 171,529 Commercial loans secured by real estate 436,318 7,497 2,767 16 446,598 Total $ 604,434 $ 8,584 $ 4,597 $ 512 $ 618,127
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. AT DECEMBER 31, 2017 PERFORMING NON- (IN THOUSANDS) Real estate-mortgage $ 246,021 $ 1,257 Consumer 19,383 — Total $ 265,404 $ 1,257 AT DECEMBER 31, 2016 PERFORMING NON- (IN THOUSANDS) Real estate-mortgage $ 244,836 $ 929 Consumer 19,872 — Total $ 264,708 $ 929
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, 2017 CURRENT 30 – 59 60 – 89 90 DAYS TOTAL TOTAL 90 DAYS (IN THOUSANDS) Commercial $ 159,181 $ — $ — $ 11 $ 11 $ 159,192 $ — Commercial loans secured by real estate 457,722 5,238 534 286 6,058 463,780 — Real estate-mortgage 243,393 2,373 671 841 3,885 247,278 — Consumer 19,262 76 45 — 121 19,383 — Total $ 879,558 $ 7,687 $ 1,250 $ 1,138 $ 10,075 $ 889,633 $ — AT DECEMBER 31, 2016 CURRENT 30 – 59 60 – 89 90 DAYS TOTAL TOTAL 90 DAYS (IN THOUSANDS) Commercial $ 171,292 $ 237 $ — $ — $ 237 $ 171,529 $ — Commercial loans secured by real estate 446,477 121 — — 121 446,598 — Real estate-mortgage 241,802 2,856 610 497 3,963 245,765 — Consumer 19,795 50 27 — 77 19,872 — Total $ 879,366 $ 3,264 $ 637 $ 497 $ 4,398 $ 883,764 $ —

NON-PERFORMING ASSETS INCLUDI39

NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (Tables)	12 Months Ended
	Dec. 31, 2017
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, 2017 2016 (IN THOUSANDS, EXCEPT PERCENTAGES) Non-accrual loans: Commercial $ 353 $ 496 Commercial loans secured by real estate 1,406 178 Real estate-mortgage 1,257 929 Total 3,016 1,603 Other real estate owned: Real estate-mortgage 18 21 Total 18 21 Total restructured loans not in non-accrual (TDR) — — Total non-performing assets including TDR $ 3,034 $ 1,624 Total non-performing assets as a percent of loans, net of unearned income, and other real estate owned 0.34 % 0.18 %
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, 2017 2016 2015 (IN THOUSANDS) Interest income due in accordance with original terms $ 103 $ 118 $ 94 Interest income recorded (75 ) — — Net reduction in interest income $ 28 $ 118 $ 94
Troubled Debt Restructurings on Financing Receivables [Table Text Block]	The following table details the TDRs at December 31, 2017 (dollars in thousands). Loans in non-accrual status # of Loans Current Concession Granted Commercial 2 $ 343 Extension of maturity date Commercial loan secured by real estate 2 587 Extension of maturity date The following table details the TDRs at December 31, 2016 (dollars in thousands). Loans in non-accrual status # of Loans Current Concession Granted Commercial 2 $ 496 Extension of maturity date Commercial loan secured by real estate 1 16 Extension of maturity date 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

PREMISES AND EQUIPMENT (Tables)

PREMISES AND EQUIPMENT (Tables)	12 Months Ended
	Dec. 31, 2017
Property, Plant and Equipment [Abstract]
Property, Plant and Equipment [Table Text Block]	An analysis of premises and equipment follows: AT DECEMBER 31, 2017 2016 (IN THOUSANDS) Land $ 1,198 $ 1,198 Premises 25,745 24,670 Furniture and equipment 8,664 7,949 Leasehold improvements 483 708 Total at cost 36,090 34,525 Less: Accumulated depreciation and amortization 23,356 22,831 Premises and equipment, net $ 12,734 $ 11,694

DEPOSITS (Tables)

DEPOSITS (Tables)	12 Months Ended
	Dec. 31, 2017
Deposits [Abstract]
Schedule Of Deposit Liabilities [Table Text Block]	The following table sets forth the balance of the Company’s deposits: AT DECEMBER 31, 2017 2016 (IN THOUSANDS) Demand: Non-interest bearing $ 183,603 $ 188,808 Interest bearing 170,343 163,801 Savings 96,583 96,475 Money market 238,119 258,978 Certificates of deposit in denominations of $100,000 or more 30,297 27,427 Other time 229,000 232,297 Total deposits $ 947,945 $ 967,786
Interest Income and Interest Expense Disclosure [Table Text Block]	Interest expense on deposits consisted of the following: YEAR ENDED DECEMBER 31, 2017 2016 2015 (IN THOUSANDS) Interest bearing demand $ 638 $ 317 $ 199 Savings 162 159 156 Money market 1,446 1,198 817 Certificates of deposit in denominations of $100,000 or more 319 283 266 Other time 3,690 3,443 3,314 Total interest expense $ 6,255 $ 5,400 $ 4,752
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, 2017 maturing in the periods presented: YEAR: OTHER CERTIFICATES (IN THOUSANDS) 2018 $ 102,529 $ 24,194 2019 47,133 2,295 2020 38,932 3,707 2021 18,796 — 2022 9,532 — 2023 and after 12,078 101 Total $ 229,000 $ 30,297
Schedule Of Maturities Of Time 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, 2017, are as follows: MATURING IN: (IN THOUSANDS) Three months or less $ 6,649 Over three through six months 9,511 Over six through twelve months 8,034 Over twelve months 6,103 Total $ 30,297

SHORT-TERM BORROWINGS (Tables)

SHORT-TERM BORROWINGS (Tables)	12 Months Ended
	Dec. 31, 2017
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, 2017 FEDERAL SHORT-TERM (IN THOUSANDS, EXCEPT RATES) Balance $ — $ 49,084 Maximum indebtedness at any month end 645 51,760 Average balance during year 54 16,972 Average rate paid for the year 0.95 % 1.21 % Interest rate on year-end balance — 1.54 AT DECEMBER 31, 2016 FEDERAL SHORT-TERM (IN THOUSANDS, EXCEPT RATES) Balance $ — $ 12,754 Maximum indebtedness at any month end — 56,686 Average balance during year — 9,030 Average rate paid for the year — 0.58 % Interest rate on year-end balance — 0.74 AT DECEMBER 31, 2015 FEDERAL OTHER (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

ADVANCES FROM FEDERAL HOME LO43

ADVANCES FROM FEDERAL HOME LOAN BANK, GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES AND SUBORDINATED DEBT (Tables)	12 Months Ended
	Dec. 31, 2017
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, 2017 MATURING WEIGHTED BALANCE (IN THOUSANDS, EXCEPT RATES) 2018 1.48 $ 12,000 2019 1.51 12,500 2020 1.74 16,729 2021 1.75 5,000 Total advances from FHLB 1.61 $ 46,229 AT DECEMBER 31, 2016 MATURING WEIGHTED BALANCE (IN THOUSANDS, EXCEPT RATES) 2017 1.06 $ 12,000 2018 1.48 12,000 2019 1.51 12,500 2020 1.59 8,042 2021 1.60 1,000 Total advances from FHLB 1.37 $ 45,542

DISCLOSURES ABOUT FAIR VALUE 44

DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Tables)	12 Months Ended
	Dec. 31, 2017
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, 2017 USING TOTAL (LEVEL 1) (LEVEL 2) (LEVEL 3) U.S. Agency securities $ 6,572 $ — $ 6,572 $ — Taxable municipal 7,036 — 7,036 — Corporate bonds 35,784 — 35,784 — U.S. Agency mortgage-backed securities 79,746 — 79,746 — Fair value swap asset 92 — — 92 Fair value swap liability (92 ) — — (92 ) FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2016 USING TOTAL (LEVEL 1) (LEVEL 2) (LEVEL 3) U.S. Agency securities $ 398 $ — $ 398 $ — Taxable municipal 3,622 — 3,622 — Corporate bonds 33,873 — 33,873 — U.S. Agency mortgage-backed securities 89,184 — 89,184 —
Fair Value, Assets and Liabilities Measured on Nonrecurring Basis [Table Text Block]	FAIR VALUE MEASUREMENTS TOTAL (LEVEL 1) (LEVEL 2) (LEVEL 3) Assets: Impaired loans $ 850 $ — $ — $ 850 Other real estate owned 18 — — 18 FAIR VALUE MEASUREMENTS TOTAL (LEVEL 1) (LEVEL 2) (LEVEL 3) Assets: Impaired loans $ 147 $ — $ — $ 147 Other real estate owned 21 — — 21 December 31, 2017 Quantitative Information About Level 3 Fair Value Measurements Fair Value Valuation Techniques Unobservable Input Range (Wgtd Ave) Impaired loans $ 850 Appraisal of collateral (1) Appraisal adjustments (2) 21% to 75% (54)% Other real estate owned 18 Appraisal of collateral (1) , (3) Appraisal adjustments (2) 16% to 64% (29)% Liquidation expenses (2) 2% to 206% (79)% December 31, 2016 Quantitative Information About Level 3 Fair Value Measurements Fair Value Valuation Techniques Unobservable Input Range (Wgtd Ave) Impaired loans $ 147 Appraisal of collateral (1) Appraisal adjustments (2) 40% to 99% (45)% Other real estate owned 21 Appraisal of collateral (1) , (3) Appraisal adjustments (2) 20% to 77% (42)% Liquidation expenses (2) 3% to 199% (37)% (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 45

DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)	12 Months Ended
	Dec. 31, 2017
Disclosures About Fair Value Of Financial Instruments [Abstract]
Fair Value, by Balance Sheet Grouping [Table Text Block]	AT DECEMBER 31, 2017 Carrying Value Fair Value (Level 1) (Level 2) (Level 3) (IN THOUSANDS) FINANCIAL ASSETS: Cash and cash equivalents $ 34,188 $ 34,188 $ 34,188 $ — $ — Investment securities – AFS 129,138 129,138 — 129,138 — Investment securities – HTM 38,752 38,811 — 35,859 2,952 Regulatory stock 6,800 6,800 6,800 — — Loans held for sale 3,125 3,173 3,173 — — Loans, net of allowance for loan loss and unearned income 879,419 873,784 — — 873,784 Accrued interest income receivable 3,603 3,603 3,603 — — Bank owned life insurance 37,860 37,860 37,860 — — Fair value swap asset 92 92 — — 92 FINANCIAL LIABILITIES: Deposits with no stated maturities $ 688,648 $ 688,648 $ 688,648 $ — $ — Deposits with stated maturities 259,297 260,153 — — 260,153 Short-term borrowings 49,084 49,084 49,084 — — All other borrowings 66,617 69,684 — — 69,684 Accrued interest payable 1,754 1,754 1,754 — — Fair value swap liability 92 92 — — 92 AT DECEMBER 31, 2016 Carrying Value Fair Value (Level 1) (Level 2) (Level 3) (IN THOUSANDS) FINANCIAL ASSETS: Cash and cash equivalents $ 34,073 $ 34,073 $ 34,073 $ — $ — Investment securities – AFS 127,077 127,077 — 127,077 — Investment securities – HTM 30,665 30,420 — 27,473 2,947 Regulatory stock 5,484 5,484 5,484 — — Loans held for sale 3,094 3,158 3,158 — — Loans, net of allowance for loan loss and unearned income 873,832 869,960 — — 869,960 Accrued interest income receivable 3,116 3,116 3,116 — — Bank owned life insurance 37,903 37,903 37,903 — — FINANCIAL LIABILITIES: Deposits with no stated maturities $ 708,062 $ 708,062 $ 708,062 $ — $ — Deposits with stated maturities 259,724 261,446 — — 261,446 Short-term borrowings 12,754 12,754 12,754 — — All other borrowings 65,891 69,348 — — 69,348 Accrued interest payable 1,640 1,640 1,640 — —

INCOME TAXES (Tables)

INCOME TAXES (Tables)	12 Months Ended
	Dec. 31, 2017
Income Tax Disclosure [Abstract]
Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]	The expense for income taxes is summarized below: YEAR ENDED DECEMBER 31, 2017 2016 2015 (IN THOUSANDS) Current $ 1,044 $ 483 $ 1,455 Deferred 1,679 414 888 Change in corporate tax rate 2,624 — — Income tax expense $ 5,347 $ 897 $ 2,343
Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]	The reconciliation between the federal statutory tax rate and the Company’s effective consolidated income tax rate is as follows: YEAR ENDED DECEMBER 31, 2017 2016 2015 AMOUNT RATE AMOUNT RATE AMOUNT RATE (IN THOUSANDS, EXCEPT PERCENTAGES) Income tax expense based on federal statutory rate $ 2,938 34.0 % $ 1,090 34.0 % $ 2,836 34.0 % Tax exempt income (283 ) (3.3 ) (255 ) (7.9 ) (574 ) (6.9 ) Other 68 0.8 62 1.9 81 1.0 Change in corporate tax rate 2,624 30.4 — — — — Total expense for income taxes $ 5,347 61.9 % $ 897 28.0 % $ 2,343 28.1 %
Schedule of Deferred Tax Assets and Liabilities [Table Text Block]	The following table highlights the major components comprising the deferred tax assets and liabilities for each of the periods presented: AT DECEMBER 31, 2017 2016 (IN THOUSANDS) DEFERRED TAX ASSETS: Allowance for loan losses $ 2,145 $ 3,377 Unfunded commitment reserve 192 303 Unrealized investment security losses 87 87 Premises and equipment 804 1,542 Accrued pension obligation 948 2,582 Alternative minimum tax credits 1,724 2,110 Other 219 895 Total tax assets 6,119 10,896 DEFERRED TAX LIABILITIES: Investment accretion (33 ) (24 ) Other (123 ) (217 ) Total tax liabilities (156 ) (241 ) Net deferred tax asset $ 5,963 $ 10,655
Schedule Of Changes In Deferred Taxes [Table Text Block]	The change in net deferred tax assets and liabilities consist of the following: YEAR ENDED 2017 2016 (IN THOUSANDS) Unrealized gains recognized in comprehensive income $ 53 $ 507 Pension obligation of the defined benefit plan not yet recognized in income (442 ) 1,569 Deferred provision for income taxes (1,679 ) (414 ) Change in corporate tax rate (2,624 ) — Net increase (decrease) $ (4,692 ) $ 1,662

EMPLOYEE BENEFIT PLANS (Tables)

EMPLOYEE BENEFIT PLANS (Tables)	12 Months Ended
	Dec. 31, 2017
Compensation and Retirement Disclosure [Abstract]
Schedule of Defined Benefit Plans Disclosures [Table Text Block]	YEAR ENDED DECEMBER 31, 2017 2016 (IN THOUSANDS) CHANGE IN BENEFIT OBLIGATION: Benefit obligation at beginning of year $ 38,637 $ 33,117 Service cost 1,516 1,468 Interest cost 1,292 1,430 Actuarial (gain) loss 1,588 4,578 Benefits paid (2,020 ) (1,956 ) Benefit obligation at end of year 41,013 38,637 CHANGE IN PLAN ASSETS: Fair value of plan assets at beginning of year 30,671 28,429 Actual return on plan assets 4,949 348 Employer contributions 3,500 3,850 Benefits paid (2,020 ) (1,956 ) Fair value of plan assets at end of year 37,100 30,671 Funded status of the plan $ (3,913 ) $ (7,966 )
Schedule of Amounts in Accumulated Other Comprehensive Income (Loss) to be Recognized over Next Fiscal Year [Table Text Block]	YEAR ENDED DECEMBER 31, 2017 2016 (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 $ 15,326 $ 17,602 Total $ 15,326 $ 17,602
Schedule of Accumulated and Projected Benefit Obligations [Table Text Block]	YEAR ENDED DECEMBER 31, 2017 2016 (IN THOUSANDS) ACCUMULATED BENEFIT OBLIGATION: Accumulated benefit obligation $ 37,594 $ 35,153
Schedule Of Assumptions Used To Calculate Benefit Obligations [Table Text Block]	The weighted-average assumptions used to determine benefit obligations at December 31, 2017 and 2016 were as follows: YEAR ENDED DECEMBER 31, 2017 2016 WEIGHTED AVERAGE ASSUMPTIONS: Discount rate 3.63 % 4.12 % Salary scale 2.50 2.50
Schedule of Net Benefit Costs [Table Text Block]	YEAR ENDED DECEMBER 31, 2017 2016 2015 (IN THOUSANDS) COMPONENTS OF NET PERIODIC BENEFIT COST: Service cost $ 1,516 $ 1,468 $ 1,557 Interest cost 1,292 1,430 1,341 Expected return on plan assets (2,539 ) (2,275 ) (2,130 ) Recognized net actuarial loss 1,454 1,333 1,386 Net periodic pension cost $ 1,723 $ 1,956 $ 2,154
Schedule of Defined Benefit Plan Amounts Recognized in Other Comprehensive Income (Loss) [Table Text Block]	YEAR ENDED DECEMBER 31, 2017 2016 2015 (IN THOUSANDS) OTHER CHANGES IN PLAN ASSETS AND BENEFIT OBLIGATIONS RECOGNIZED IN OTHER COMPREHENSIVE LOSS Net (gain) loss $ (822 ) $ 6,505 $ 1,221 Recognized loss (1,454 ) (1,333 ) (1,386 ) Total recognized in other comprehensive loss before tax effect $ (2,276 ) $ 5,172 $ (165 ) Total recognized in net benefit cost and other comprehensive loss before tax effect $ (553 ) $ 7,128 $ 1,989
Schedule Of Assumptions Used To Calculate Net Periodic Benefit Cost [Table Text Block]	The weighted-average assumptions used to determine net periodic benefit cost for the years ended December 31, 2017, 2016 and 2015 were as follows: YEAR ENDED DECEMBER 31, 2017 2016 2015 WEIGHTED AVERAGE ASSUMPTIONS: Discount rate 4.12 % 4.20 % 4.00 % Expected return on plan assets 7.75 7.75 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, 2017. This plan’s asset allocations at December 31, 2017 and 2016, by asset category are as follows: YEAR ENDED 2017 2016 ASSET CATEGORY: Cash and cash equivalents —% 8 % Domestic equities 12 10 Mutual funds/ETFs 82 76 International equities 4 1 Corporate bonds 2 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 yearend 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 2017 2016 (IN THOUSANDS) Level 1: Cash and cash equivalents $ 44 $ 2,454 Domestic equities 4,340 3,067 Mutual funds/ETFs 30,470 23,310 International equities 1,322 307 Level 2: Corporate bonds 924 1,533 Total fair value of plan assets $ 37,100 $ 30,671
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 (IN THOUSANDS) 2018 $ 2,698 2019 2,692 2020 2,817 2021 2,832 2022 3,116 Years 2023 – 2027 14,988

LEASE COMMITMENTS (Tables)

LEASE COMMITMENTS (Tables)	12 Months Ended
	Dec. 31, 2017
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, 2017, is as follows: YEAR: FUTURE MINIMUM LEASE PAYMENTS (IN THOUSANDS) 2018 $ 445 2019 277 2020 254 2021 254 2022 256 2023 and thereafter 1,558

STOCK COMPENSATION PLANS (Table

STOCK COMPENSATION PLANS (Tables)	12 Months Ended
	Dec. 31, 2017
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, 2017, 2016, and 2015, and changes during the years then ended is presented in the table and narrative following: YEAR ENDED DECEMBER 31 2017 2016 2015 SHARES WEIGHTED AVERAGE EXERCISE PRICE SHARES WEIGHTED AVERAGE EXERCISE PRICE SHARES WEIGHTED AVERAGE EXERCISE PRICE Outstanding at beginning of year 417,566 $ 2.76 470,449 $ 2.74 559,909 $ 2.66 Granted 17,500 3.96 54,000 3.03 32,500 2.96 Exercised (64,112 ) 2.49 (32,661 ) 2.27 (75,923 ) 2.07 Forfeited (10,233 ) 3.10 (74,222 ) 3.04 (46,037 ) 3.04 Outstanding at end of year 360,721 2.85 417,566 2.76 470,449 2.74 Exercisable at end of year 308,301 2.79 328,062 2.69 336,555 2.58 Weighted average fair value of options granted in current year $ 1.12 $ 0.93 $ 0.67
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 2017, 2016, and 2015. YEAR ENDED DECEMBER 31 BLACK-SCHOLES ASSUMPTION RANGES 2017 2016 2015 Risk-free interest rate 2.23 – 2.38% 1.56 – 1.73% 1.97% Expected lives in years 10 10 10 Expected volatility 28.09 – 28.84% 29% 22% Expected dividend rate 1.50% 1.35-1.81% 1.35%

ACCUMULATED OTHER COMPREHENSI50

ACCUMULATED OTHER COMPREHENSIVE LOSS (Tables)	12 Months Ended
	Dec. 31, 2017
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, 2017 and 2016 (in thousands): YEAR ENDING DECEMBER 31, 2017 YEAR ENDING DECEMBER 31, 2016 Net (1) Defined (1) Total (1) Net (1) Defined (1) Total (1) Beginning balance $ (171 ) $ (11,406 ) $ (11,577 ) $ 808 $ (8,363 ) $ (7,555 ) Reclassification of certain income tax effects from accumulated other comprehensive loss (53 ) (2,078 ) (2,131 ) — — — Other comprehensive income (loss) before reclassifications (27 ) 1,071 1,044 (862 ) (3,563 ) (4,425 ) Amounts reclassified from accumulated other comprehensive loss (76 ) (210 ) (286 ) (117 ) 520 403 Net current period other comprehensive loss (156 ) (1,217 ) (1,373 ) (979 ) (3,043 ) (4,022 ) Ending balance $ (327 ) $ (12,623 ) $ (12,950 ) $ (171 ) $ (11,406 ) $ (11,577 ) (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, 2017 and 2016 (in thousands): Amount reclassified from accumulated other comprehensive loss (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 $ (115 ) $ (177 ) Net realized gains on investment securities 39 60 Provision for income taxes $ (76 ) $ (117 ) Net of tax Amortization of defined benefit items (2) $ (318 ) $ 788 Salaries and employee benefits 108 (268 ) Provision for income taxes $ (210 ) $ 520 Net of tax Total reclassifications for the period $ (286 ) $ 403 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).

DERIVATIVE HEDGING INSTRUMENTS

DERIVATIVE HEDGING INSTRUMENTS (Tables)	12 Months Ended
	Dec. 31, 2017
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Interest Rate Derivatives [Table Text Block]	The following table summarizes the interest rate swap transactions that impacted the Company’s 2017 performance. HEDGE AGGREGATE WEIGHTED REPRICING INCREASE SWAP ASSETS FAIR VALUE $ 16,948,686 3.47 % MONTHLY $ (110,778 ) SWAP LIABILITIES FAIR VALUE (16,948,686 ) (3.47 ) MONTHLY 110,778 NET EXPOSURE — — —

SEGMENT RESULTS (Tables)

SEGMENT RESULTS (Tables)	12 Months Ended
	Dec. 31, 2017
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, 2017 RETAIL BANKING COMMERCIAL BANKING TRUST INVESTMENT/ TOTAL (IN THOUSANDS) Net interest income $ 20,541 $ 18,642 $ 61 $ (3,683 ) $ 35,561 Provision for loan loss 122 678 — — 800 Non-interest income 4,956 414 9,170 105 14,645 Non-interest expense 21,247 9,892 7,094 2,533 40,766 Income (loss) before income taxes 4,128 8,486 2,137 (6,111 ) 8,640 Income tax expense 1,381 2,642 772 552 5,347 Net income (loss) $ 2,747 $ 5,844 $ 1,365 $ (6,663 ) $ 3,293 Total assets $ 353,924 $ 643,055 $ 5,413 $ 165,263 $ 1,167,655 YEAR ENDED DECEMBER 31, 2016 RETAIL BANKING COMMERCIAL BANKING TRUST INVESTMENT/ TOTAL (IN THOUSANDS) Net interest income $ 20,860 $ 18,518 $ 56 $ (5,300 ) $ 34,134 Provision for loan loss 175 3,775 — — 3,950 Non-interest income 5,281 439 8,749 169 14,638 Non-interest expense 21,704 10,453 7,097 2,361 41,615 Income (loss) before income taxes 4,262 4,729 1,708 (7,492 ) 3,207 Income tax expense (benefit) 1,252 1,387 581 (2,323 ) 897 Net income (loss) $ 3,010 $ 3,342 $ 1,127 $ (5,169 ) $ 2,310 Total assets $ 357,500 $ 635,843 $ 5,217 $ 155,220 $ 1,153,780 YEAR ENDED DECEMBER 31, 2015 RETAIL BANKING COMMERCIAL BANKING TRUST INVESTMENT/ TOTAL (IN THOUSANDS) Net interest income $ 20,680 $ 18,390 $ 58 $ (3,767 ) $ 35,361 Credit 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 $ 415,008 $ 589,840 $ 5,263 $ 138,386 $ 1,148,497

REGULATORY CAPITAL (Tables)

REGULATORY CAPITAL (Tables)	12 Months Ended
	Dec. 31, 2017
Regulatory Capital [Abstract]
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	Additionally, while not a regulatory capital ratio, the Company’s tangible common equity ratio was 7.20% and 7.31% for 2017 and 2016, respectively. AT DECEMBER 31, 2017 COMPANY BANK MINIMUM TO BE WELL AMOUNT RATIO AMOUNT RATIO RATIO RATIO (IN THOUSANDS, EXCEPT RATIOS) Total Capital (To Risk Weighted Assets) $ 126,276 13.21 % $ 110,681 11.64 % 8.00 % 10.00 % Tier 1 Common Equity (To Risk Weighted Assets) 95,882 10.03 99,552 10.47 4.50 6.50 Tier 1 Capital (To Risk Weighted Assets) 107,682 11.26 99,552 10.47 6.00 8.00 Tier 1 Capital (To Average Assets) 107,682 9.32 99,552 8.75 4.00 5.00 AT DECEMBER 31, 2016 COMPANY BANK MINIMUM TO BE WELL AMOUNT RATIO AMOUNT RATIO RATIO RATIO (IN THOUSANDS, EXCEPT RATIOS) Total Capital (To Risk Weighted Assets) $ 125,131 13.15 % $ 107,618 11.35 % 8.00 % 10.00 % Tier 1 Common Equity (To Risk Weighted Assets) 95,028 9.99 96,796 10.21 4.50 6.50 Tier 1 Capital (To Risk Weighted Assets) 106,868 11.23 96,796 10.21 6.00 8.00 Tier 1 Capital (To Average Assets) 106,868 9.35 96,796 8.61 4.00 5.00 * Applies to the Bank only.

PARENT COMPANY FINANCIAL INFO54

PARENT COMPANY FINANCIAL INFORMATION (Tables)	12 Months Ended
	Dec. 31, 2017
Condensed Financial Information of Parent Company Only Disclosure [Abstract]
Condensed Balance Sheet [Table Text Block]	BALANCE SHEETS AT DECEMBER 31, 2017 2016 (IN THOUSANDS) ASSETS Cash $ 100 $ 100 Short-term investments in money market funds 4,521 5,397 Investment securities available for sale 5,307 6,041 Equity investment in banking subsidiary 99,408 97,158 Equity investment in non-banking subsidiaries 6,444 5,168 Other assets 499 2,665 TOTAL ASSETS $ 116,279 $ 116,529 LIABILITIES Guaranteed junior subordinated deferrable interest debentures $ 12,923 $ 12,908 Subordinated debt 7,465 7,441 Other liabilities 789 785 TOTAL LIABILITIES 21,177 21,134 STOCKHOLDERS’ EQUITY Total stockholders’ equity 95,102 95,395 TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY $ 116,279 $ 116,529
Condensed Income Statement [Table Text Block]	STATEMENTS OF OPERATIONS YEAR ENDED DECEMBER 31, 2017 2016 2015 (IN THOUSANDS) INCOME Inter-entity management and other fees $ 2,315 $ 2,305 $ 2,432 Dividends from banking subsidiary 2,850 3,000 5,100 Dividends from non-banking subsidiaries 840 650 975 Interest, dividend and other income 163 214 669 TOTAL INCOME 6,168 6,169 9,176 EXPENSE Interest expense 1,642 1,640 1,125 Salaries and employee benefits 2,416 2,314 2,302 Other expense 1,618 1,549 1,562 TOTAL EXPENSE 5,676 5,503 4,989 INCOME BEFORE INCOME TAXES AND EQUITY IN UNDISTRIBUTED EARNINGS OF SUBSIDIARIES 492 666 4,187 Benefit for income taxes (1,114 ) (1,015 ) (642 ) Equity in undistributed earnings of subsidiaries 1,687 629 1,168 NET INCOME $ 3,293 $ 2,310 $ 5,997 COMPREHENSIVE INCOME (LOSS) $ 4,051 $ (1,712 ) $ 5,344
Condensed Cash Flow Statement [Table Text Block]	STATEMENTS OF CASH FLOWS YEAR ENDED DECEMBER 31, 2017 2016 2015 (IN THOUSANDS) OPERATING ACTIVITIES Net income $ 3,293 $ 2,310 $ 5,997 Adjustment to reconcile net income to net cash (used in) provided by operating activities: Equity in undistributed earnings of subsidiaries (1,687 ) (629 ) (1,168 ) Stock compensation expense 13 20 29 Other – net 1,325 1,463 842 NET CASH PROVIDED BY (USED IN) OPERATING ACTIVITIES 2,944 3,164 5,700 INVESTING ACTIVITIES Purchase of investment securities – available for sale (1,002 ) (996 ) (1,533 ) Proceeds from maturity and sales of investment securities – available for sale 1,699 3,396 4,669 Proceeds from life insurance policies — — 719 NET CASH PROVIDED BY INVESTING ACTIVITIES 697 2,400 3,855 FINANCING ACTIVITIES Subordinated debt issuance, net — — 7,418 Preferred stock redemption — (21,000 ) — Preferred stock dividends paid — (15 ) (210 ) Purchases of treasury stock (3,404 ) — — Common stock dividends paid (1,113 ) (945 ) (754 ) NET CASH (USED IN) PROVIDED BY FINANCING ACTIVITIES (4,517 ) (21,960 ) 6,454 NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS (876 ) (16,396 ) 16,009 CASH AND CASH EQUIVALENTS AT JANUARY 1 5,497 21,893 5,884 CASH AND CASH EQUIVALENTS AT DECEMBER 31 $ 4,621 $ 5,497 $ 21,893

SELECTED QUARTERLY CONSOLIDAT55

SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA (Tables)	12 Months Ended
	Dec. 31, 2017
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: 2017 QUARTER ENDED DEC. 31 SEPT. 30 JUNE 30 MARCH 31 (IN THOUSANDS, EXCEPT PER SHARE DATA) Interest income $ 11,370 $ 11,187 $ 11,051 $ 10,748 Interest expense 2,366 2,250 2,152 2,027 Net interest income 9,004 8,937 8,899 8,721 Provision for loan losses 50 200 325 225 Net interest income after provision for loan losses 8,954 8,737 8,574 8,496 Non-interest income 3,699 3,629 3,755 3,562 Non-interest expense 10,250 10,114 10,317 10,085 Income before income taxes 2,403 2,252 2,012 1,973 Provision for income taxes 3,398 701 623 625 Net income (loss) $ (995 ) $ 1,551 $ 1,389 $ 1,348 Basic earnings (loss) per common share $ (0.05 ) $ 0.08 $ 0.07 $ 0.07 Diluted earnings (loss) per common share (0.05 ) 0.08 0.07 0.07 Cash dividends declared per common share 0.015 0.015 0.015 0.015 2016 QUARTER ENDED DEC. 31 SEPT. 30 JUNE 30 MARCH 31 (IN THOUSANDS, EXCEPT PER SHARE DATA) Interest income $ 10,582 $ 10,476 $ 10,389 $ 10,422 Interest expense 1,998 1,970 1,903 1,864 Net interest income 8,584 8,506 8,486 8,558 Provision for loan losses 300 300 250 3,100 Net interest income after provision for loan losses 8,284 8,206 8,236 5,458 Non-interest income 3,798 3,661 3,742 3,437 Non-interest expense 10,509 10,356 10,039 10,711 Income (loss) before income taxes 1,573 1,511 1,939 (1,816 ) Provision (benefit) for income taxes 423 446 577 (549 ) Net income (loss) $ 1,150 $ 1,065 $ 1,362 $ (1,267 ) Basic earnings (loss) per common share $ 0.06 $ 0.06 $ 0.07 $ (0.07 ) Diluted earnings (loss) per common share 0.06 0.06 0.07 (0.07 ) Cash dividends declared per common share 0.015 0.015 0.010 0.010

SUMMARY OF SIGNIFICANT ACCOUN56

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Numerator:
Net income	$ (995)	$ 1,551	$ 1,389	$ 1,348	$ 1,150	$ 1,065	$ 1,362	$ (1,267)	$ 3,293	$ 2,310	$ 5,997
Preferred stock dividends									0	15	210
Net income available to common shareholders									$ 3,293	$ 2,295	$ 5,787
Denominator:
Weighted average common shares outstanding (basic)									18,498	18,896	18,863
Effect of stock options									102	59	70
Weighted average common shares outstanding (diluted)									18,600	18,955	18,933
Earnings per common share:
Basic	$ (0.05)	$ 0.08	$ 0.07	$ 0.07	$ 0.06	$ 0.06	$ 0.07	$ (0.07)	$ 0.18	$ 0.12	$ 0.31
Diluted	$ (0.05)	$ 0.08	$ 0.07	$ 0.07	$ 0.06	$ 0.06	$ 0.07	$ (0.07)	$ 0.18	$ 0.12	$ 0.31

SUMMARY OF SIGNIFICANT ACCOUN57

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details Textual)	12 Months Ended
	Dec. 31, 2017USD ($)$ / sharesshares	Dec. 31, 2016USD ($)$ / sharesshares	Dec. 31, 2015USD ($)$ / sharesshares
Summary Of Significant Accounting Policies [Line Items]
Number of Stores	15
Assets Held-in-trust, Total	$ 2,200,000,000
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	10,000	51,273	58,788
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price | $ / shares	$ 2.79	$ 2.69	$ 2.58
Stock or Unit Option Plan Expense	$ 13,000	$ 20,000	$ 29,000
Income Taxes Paid	1,075,000	375,000	1,554,000
Real Estate Owned, Transfer from Real Estate Owned	77,000	172,000	189,000
Interest Paid, Total	8,681,000	$ 7,746,000	$ 6,575,000
One-time Cumulative Effect Adjustment	2,100,000
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	$ 3.23
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		$ 4.60	$ 4.70
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 58

CASH AND DUE FROM DEPOSITORY INSTITUTIONS (Details Textual) - USD ($)	Dec. 31, 2017	Dec. 31, 2016
Restricted Cash and Cash Equivalents	$ 5,000	$ 6,000

INVESTMENT SECURITIES (Details)

INVESTMENT SECURITIES (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Available-For-Sale-Securities-And-Held-To-Maturity-Securities
Investment securities available for sale, Cost Basis	$ 129,550	$ 127,334
Investment securities available for sale, Gross Unrealized Gains	960	1,329
Investment securities available for sale, Gross Unrealized Losses	(1,372)	(1,586)
Available for Sale, Fair Value, Total	129,138	127,077
Investment securities held to maturity, Cost Basis	38,752	30,665
Investment securities held to maturity, Gross Unrealized Gains	390	265
Investment securities held to maturity, Gross Unrealized Losses	(331)	(510)
Held to Maturity, Fair Value, Total	38,811	30,420
U.S. Agency [Member]
Available-For-Sale-Securities-And-Held-To-Maturity-Securities
Investment securities available for sale, Cost Basis	6,612	400
Investment securities available for sale, Gross Unrealized Gains	0	0
Investment securities available for sale, Gross Unrealized Losses	(40)	(2)
Available for Sale, Fair Value, Total	6,572	398
U.S. Agency mortgage-backed securities [Member]
Available-For-Sale-Securities-And-Held-To-Maturity-Securities
Investment securities available for sale, Cost Basis	79,854	88,738
Investment securities available for sale, Gross Unrealized Gains	611	1,132
Investment securities available for sale, Gross Unrealized Losses	(719)	(686)
Available for Sale, Fair Value, Total	79,746	89,184
Investment securities held to maturity, Cost Basis	9,740	11,177
Investment securities held to maturity, Gross Unrealized Gains	149	180
Investment securities held to maturity, Gross Unrealized Losses	(45)	(79)
Held to Maturity, Fair Value, Total	9,844	11,278
Taxable Municipal [Member]
Available-For-Sale-Securities-And-Held-To-Maturity-Securities
Investment securities available for sale, Cost Basis	7,198	3,793
Investment securities available for sale, Gross Unrealized Gains	27	3
Investment securities available for sale, Gross Unrealized Losses	(189)	(174)
Available for Sale, Fair Value, Total	7,036	3,622
Investment securities held to maturity, Cost Basis	22,970	13,441
Investment securities held to maturity, Gross Unrealized Gains	203	70
Investment securities held to maturity, Gross Unrealized Losses	(238)	(348)
Held to Maturity, Fair Value, Total	22,935	13,163
Corporate bonds [Member]
Available-For-Sale-Securities-And-Held-To-Maturity-Securities
Investment securities available for sale, Cost Basis	35,886	34,403
Investment securities available for sale, Gross Unrealized Gains	322	194
Investment securities available for sale, Gross Unrealized Losses	(424)	(724)
Available for Sale, Fair Value, Total	35,784	33,873
Corporate bonds and other securities [Member]
Available-For-Sale-Securities-And-Held-To-Maturity-Securities
Investment securities held to maturity, Cost Basis	6,042	6,047
Investment securities held to maturity, Gross Unrealized Gains	38	15
Investment securities held to maturity, Gross Unrealized Losses	(48)	(83)
Held to Maturity, Fair Value, Total	$ 6,032	$ 5,979

INVESTMENT SECURITIES (Details

INVESTMENT SECURITIES (Details 1) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Contractual maturities of securities
Available for Sale, Cost Basis, Within 1 year	$ 401
Available for Sale, Cost Basis, After 1 year but within 5 years	11,786
Available for Sale, Cost Basis, After 5 years but within 10 years	48,499
Available for Sale, Cost Basis, After 10 years but within 15 years	26,016
Available for Sale, Cost Basis, Over 15 years	42,848
Available for Sale, Cost Basis, Total	$ 129,550
Available for Sale, Within 1 year, Yield	1.04%
Available for Sale, After 1 year but within 5 years, Yield	2.93%
Available for Sale, After 5 year but within 10 years, Yield	3.36%
Available for Sale, After 10 years but within 15 years, Yield	2.39%
Available for Sale, Over 15 years, Yield	2.53%
Available for Sale, Yield, Total	2.84%
Available for Sale, Fair Value, Within 1 year	$ 400
Available for Sale, Fair Value, After 1 year but within 5 years	11,767
Available for Sale, Fair Value, After 5 years but within 10 years	48,556
Available for Sale, Fair Value, After 10 years but within 15 years	25,720
Available for Sale, Fair Value, Over 15 years	42,695
Available for Sale, Fair Value, Total	129,138	$ 127,077
Held to Maturity, Cost Basis, Within 1 year	2,000
Held to Maturity, Cost Basis, After 1 year but within 5 years	2,439
Held to Maturity, Cost Basis, After 5 years but within 10 years	14,878
Held to Maturity, Cost Basis, After 10 years but within 15 years	14,247
Held to Maturity, Cost Basis, Over 15 years	5,188
Held to Maturity, Cost Basis, Total	38,752	30,665
Held to Maturity, Fair Value, Within 1 year	1,976
Held to Maturity, Fair Value, After 1 year but within 5 years	2,411
Held to Maturity, Fair Value, After 5 years but within 10 years	14,890
Held to Maturity, Fair Value, After 10 years but within 15 years	14,282
Held to Maturity, Fair Value, Over 15 years	5,252
Held to Maturity, Fair Value, Total	$ 38,811	$ 30,420
Held to Maturity, Within 1 year, Yield	1.78%
Held to Maturity, After 1 year but within 5 years, Yield	2.24%
Held to Maturity, After 5 years but within 10 years, Yield	3.42%
Held to Maturity, After 10 years but within 15 years, Yield	3.58%
Held to Maturity, Over 15 years, Yield	3.34%
Held to Maturity, Yield, Total	3.31%
U.S. Agency [Member]
Contractual maturities of securities
Available for Sale, Cost Basis, Within 1 year	$ 400
Available for Sale, Cost Basis, After 1 year but within 5 years	0
Available for Sale, Cost Basis, After 5 years but within 10 years	3,230
Available for Sale, Cost Basis, After 10 years but within 15 years	0
Available for Sale, Cost Basis, Over 15 years	2,982
Available for Sale, Cost Basis, Total	$ 6,612
Available for Sale, Within 1 year, Yield	1.03%
Available for Sale, After 1 year but within 5 years, Yield	0.00%
Available for Sale, After 5 year but within 10 years, Yield	2.75%
Available for Sale, After 10 years but within 15 years, Yield	0.00%
Available for Sale, Over 15 years, Yield	2.69%
Available for Sale, Yield, Total	2.62%
Available for Sale, Fair Value, Within 1 year	$ 399
Available for Sale, Fair Value, After 1 year but within 5 years	0
Available for Sale, Fair Value, After 5 years but within 10 years	3,220
Available for Sale, Fair Value, After 10 years but within 15 years	0
Available for Sale, Fair Value, Over 15 years	2,953
Available for Sale, Fair Value, Total	6,572
U.S. Agency mortgage-backed securities [Member]
Contractual maturities of securities
Available for Sale, Cost Basis, Within 1 year	1
Available for Sale, Cost Basis, After 1 year but within 5 years	848
Available for Sale, Cost Basis, After 5 years but within 10 years	14,623
Available for Sale, Cost Basis, After 10 years but within 15 years	24,516
Available for Sale, Cost Basis, Over 15 years	39,866
Available for Sale, Cost Basis, Total	$ 79,854
Available for Sale, Within 1 year, Yield	6.00%
Available for Sale, After 1 year but within 5 years, Yield	2.09%
Available for Sale, After 5 year but within 10 years, Yield	2.91%
Available for Sale, After 10 years but within 15 years, Yield	2.30%
Available for Sale, Over 15 years, Yield	2.52%
Available for Sale, Yield, Total	2.52%
Available for Sale, Fair Value, Within 1 year	$ 1
Available for Sale, Fair Value, After 1 year but within 5 years	843
Available for Sale, Fair Value, After 5 years but within 10 years	14,859
Available for Sale, Fair Value, After 10 years but within 15 years	24,301
Available for Sale, Fair Value, Over 15 years	39,742
Available for Sale, Fair Value, Total	79,746
Held to Maturity, Cost Basis, Within 1 year	0
Held to Maturity, Cost Basis, After 1 year but within 5 years	688
Held to Maturity, Cost Basis, After 5 years but within 10 years	2,081
Held to Maturity, Cost Basis, After 10 years but within 15 years	2,604
Held to Maturity, Cost Basis, Over 15 years	4,367
Held to Maturity, Cost Basis, Total	9,740
Held to Maturity, Fair Value, Within 1 year	0
Held to Maturity, Fair Value, After 1 year but within 5 years	677
Held to Maturity, Fair Value, After 5 years but within 10 years	2,075
Held to Maturity, Fair Value, After 10 years but within 15 years	2,685
Held to Maturity, Fair Value, Over 15 years	4,407
Held to Maturity, Fair Value, Total	$ 9,844
Held to Maturity, Within 1 year, Yield	0.00%
Held to Maturity, After 1 year but within 5 years, Yield	2.11%
Held to Maturity, After 5 years but within 10 years, Yield	2.49%
Held to Maturity, After 10 years but within 15 years, Yield	3.30%
Held to Maturity, Over 15 years, Yield	3.07%
Held to Maturity, Yield, Total	2.94%
Corporate Bonds And Other 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	10,938
Available for Sale, Cost Basis, After 5 years but within 10 years	30,646
Available for Sale, Cost Basis, After 10 years but within 15 years	1,500
Available for Sale, Cost Basis, Over 15 years	0
Available for Sale, Cost Basis, Total	$ 43,084
Available for Sale, Within 1 year, Yield	0.00%
Available for Sale, After 1 year but within 5 years, Yield	2.99%
Available for Sale, After 5 year but within 10 years, Yield	3.64%
Available for Sale, After 10 years but within 15 years, Yield	3.98%
Available for Sale, Over 15 years, Yield	0.00%
Available for Sale, Yield, Total	3.49%
Available for Sale, Fair Value, Within 1 year	$ 0
Available for Sale, Fair Value, After 1 year but within 5 years	10,924
Available for Sale, Fair Value, After 5 years but within 10 years	30,477
Available for Sale, Fair Value, After 10 years but within 15 years	1,419
Available for Sale, Fair Value, Over 15 years	0
Available for Sale, Fair Value, Total	42,820
Held to Maturity, Cost Basis, Within 1 year	2,000
Held to Maturity, Cost Basis, After 1 year but within 5 years	1,751
Held to Maturity, Cost Basis, After 5 years but within 10 years	12,797
Held to Maturity, Cost Basis, After 10 years but within 15 years	11,643
Held to Maturity, Cost Basis, Over 15 years	821
Held to Maturity, Cost Basis, Total	29,012
Held to Maturity, Fair Value, Within 1 year	1,976
Held to Maturity, Fair Value, After 1 year but within 5 years	1,734
Held to Maturity, Fair Value, After 5 years but within 10 years	12,815
Held to Maturity, Fair Value, After 10 years but within 15 years	11,597
Held to Maturity, Fair Value, Over 15 years	845
Held to Maturity, Fair Value, Total	$ 28,967
Held to Maturity, Within 1 year, Yield	1.78%
Held to Maturity, After 1 year but within 5 years, Yield	2.29%
Held to Maturity, After 5 years but within 10 years, Yield	3.57%
Held to Maturity, After 10 years but within 15 years, Yield	3.64%
Held to Maturity, Over 15 years, Yield	4.75%
Held to Maturity, Yield, Total	3.43%

INVESTMENT SECURITIES (Detail61

INVESTMENT SECURITIES (Details 2) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Information concerning investments with unrealized losses
Less than 12 months, Fair Value	$ 58,486	$ 83,997
Less than 12 months, Unrealized Losses	(472)	(1,797)
12 months or longer, Fair Value	44,406	8,338
12 months or longer, Unrealized Losses	(1,231)	(299)
Total, Fair Value	102,892	92,335
Total, Unrealized Losses	(1,703)	(2,096)
U.S. Agency [Member]
Information concerning investments with unrealized losses
Less than 12 months, Fair Value	5,923	398
Less than 12 months, Unrealized Losses	(39)	(2)
12 months or longer, Fair Value	399	0
12 months or longer, Unrealized Losses	(1)	0
Total, Fair Value	6,322	398
Total, Unrealized Losses	(40)	(2)
U.S. Agency mortgage-backed securities [Member]
Information concerning investments with unrealized losses
Less than 12 months, Fair Value	36,783	49,918
Less than 12 months, Unrealized Losses	(253)	(703)
12 months or longer, Fair Value	22,625	1,576
12 months or longer, Unrealized Losses	(511)	(62)
Total, Fair Value	59,408	51,494
Total, Unrealized Losses	(764)	(765)
Taxable Municipal [Member]
Information concerning investments with unrealized losses
Less than 12 months, Fair Value	8,657	13,301
Less than 12 months, Unrealized Losses	(109)	(522)
12 months or longer, Fair Value	7,727	0
12 months or longer, Unrealized Losses	(318)	0
Total, Fair Value	16,384	13,301
Total, Unrealized Losses	(427)	(522)
Corporate bonds and other securities [Member]
Information concerning investments with unrealized losses
Less than 12 months, Fair Value	7,123	20,380
Less than 12 months, Unrealized Losses	(71)	(570)
12 months or longer, Fair Value	13,655	6,762
12 months or longer, Unrealized Losses	(401)	(237)
Total, Fair Value	20,778	27,142
Total, Unrealized Losses	$ (472)	$ (807)

INVESTMENT SECURITIES (Detail62

INVESTMENT SECURITIES (Details Textual) - USD ($)	3 Months Ended	12 Months Ended
	Mar. 31, 2017	Dec. 31, 2017		Dec. 31, 2016		Dec. 31, 2015	Dec. 31, 2005
Investments [Line Items]
Gross investment gains		$ 115,000		$ 183,000		$ 107,000
Gross investment losses				(6,000)			$ (36,000)
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Net of Tax		76,000		117,000		46,000
Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Tax		39,000	[1]	60,000	[1]	25,000
Investment Securities:
Consolidated investment securities portfolio modified, years	3 years 8 months 8 days
Proceeds from sales of investment securities — available for sale		8,143,000		8,966,000		$ 3,570,000
Book value of securities available for sale and held to maturity		$ 117,181,000		$ 104,953,000
Held-to-maturity, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions		133
Corporate bonds [Member]
Investment Securities:
Available For Sale Securities Debt Maturities Weighted Average Maturity Term		5 years 5 months 8 days
U.S. Agency [Member]
Investments [Line Items]
Portfolio rated		10.00%
Investment Securities:
Available For Sale Securities Debt Maturities Weighted Average Maturity Term		10 years 4 months 17 days
Held To Maturity Securities Weighted Average Maturity Term		4 years 6 months 25 days
U.S. Agency mortgage-backed securities [Member]
Investment Securities:
Available For Sale Securities Debt Maturities Weighted Average Maturity Term		4 years 7 months 6 days
Held To Maturity Securities Weighted Average Maturity Term		6 years 6 months 4 days
Standard & Poor's, AAA Rating [Member]
Investments [Line Items]
Portfolio rated		57.80%		63.50%
Standard & Poor's, A Rating [Member]
Investments [Line Items]
Portfolio rated		9.70%
[1]	Amounts in parentheses indicate credits.

LOANS (Details)

LOANS (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	$ 889,633	$ 883,764
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	159,192	171,529
Commercial loans secured by real estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	463,780	446,598
Real estate-mortgage [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	247,278	245,765
Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, net of unearned income	$ 19,383	$ 19,872

LOANS (Details Textual)

LOANS (Details Textual) - USD ($)	Dec. 31, 2017	Dec. 31, 2016
Financing Receivable, Impaired [Line Items]
Real estate-construction loans, percentage	4.10%	4.70%
Loan balances net of unearned income	$ 399,000	$ 476,000
Loans and Leases Receivable, Related Parties	$ 554,000	$ 578,000

ALLOWANCE FOR LOAN LOSSES (Deta

ALLOWANCE FOR LOAN LOSSES (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at Beginning of Period	$ 9,932	$ 9,921	$ 9,623
Charge-Offs	(928)	(4,296)	(1,361)
Recoveries	410	357	409
Provision (Credit)	800	3,950	1,250
Balance at End of Period	10,214	9,932	9,921
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at Beginning of Period	4,041	4,244	3,262
Charge-Offs	(278)	(3,648)	(170)
Recoveries	27	140	101
Provision (Credit)	509	3,305	1,051
Balance at End of Period	4,299	4,041	4,244
Commercial loans secured by real estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at Beginning of Period	3,584	3,449	3,902
Charge-Offs	(165)	(13)	(250)
Recoveries	14	40	111
Provision (Credit)	233	108	(314)
Balance at End of Period	3,666	3,584	3,449
Real estate-mortgage [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at Beginning of Period	1,169	1,173	1,310
Charge-Offs	(313)	(291)	(753)
Recoveries	250	147	171
Provision (Credit)	(4)	140	445
Balance at End of Period	1,102	1,169	1,173
Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at Beginning of Period	151	151	190
Charge-Offs	(172)	(344)	(188)
Recoveries	119	30	26
Provision (Credit)	30	314	123
Balance at End of Period	128	151	151
Allocation for general risk [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at Beginning of Period	987	904	959
Charge-Offs	0	0	0
Recoveries	0	0	0
Provision (Credit)	32	83	(55)
Balance at End of Period	$ 1,019	$ 987	$ 904

ALLOWANCE FOR LOAN LOSSES (De66

ALLOWANCE FOR LOAN LOSSES (Details 1) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Loans:
Individually evaluated for impairment	$ 1,759	$ 674
Collectively evaluated for impairment	887,874	883,090
Total loans	889,633	883,764
Allowance for loan losses:
Specific reserve allocation	909	527
General reserve allocation	9,305	9,405
Total allowance for loan losses	10,214	9,932	$ 9,921	$ 9,623
Commercial [Member]
Loans:
Individually evaluated for impairment	1,212	496
Collectively evaluated for impairment	157,980	171,033
Total loans	159,192	171,529
Allowance for loan losses:
Specific reserve allocation	909	496
General reserve allocation	3,390	3,545
Total allowance for loan losses	4,299	4,041	4,244	3,262
Commercial loans secured by real estate [Member]
Loans:
Individually evaluated for impairment	547	178
Collectively evaluated for impairment	463,233	446,420
Total loans	463,780	446,598
Allowance for loan losses:
Specific reserve allocation	0	31
General reserve allocation	3,666	3,553
Total allowance for loan losses	3,666	3,584	3,449	3,902
Real estate-mortgage [Member]
Loans:
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	247,278	245,765
Total loans	247,278	245,765
Allowance for loan losses:
Specific reserve allocation	0	0
General reserve allocation	1,102	1,169
Total allowance for loan losses	1,102	1,169	1,173	1,310
Consumer [Member]
Loans:
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	19,383	19,872
Total loans	19,383	19,872
Allowance for loan losses:
Specific reserve allocation	0	0
General reserve allocation	128	151
Total allowance for loan losses	128	151	151	190
Allocation for general risk [Member]
Allowance for loan losses:
Specific reserve allocation	0	0
General reserve allocation	1,019	987
Total allowance for loan losses	$ 1,019	$ 987	$ 904	$ 959

ALLOWANCE FOR LOAN LOSSES (De67

ALLOWANCE FOR LOAN LOSSES (Details 2) - USD ($)	Dec. 31, 2017	Dec. 31, 2016
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	$ 1,759,000	$ 674,000
Related Allowance	909,000	527,000
Unpaid Principal Balance	1,815,000	726,000
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	353,000	496,000
Unpaid Principal Balance	354,000	517,000
Commercial loans secured by real estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	1,406,000	178,000
Unpaid Principal Balance	1,461,000	209,000
Impaired Loans with Specific Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	1,201,000	658,000
Related Allowance	909,000	527,000
Impaired Loans with Specific Allowance [Member] | Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	342,000	496,000
Related Allowance	342,000	496,000
Impaired Loans with Specific Allowance [Member] | Commercial loans secured by real estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	859,000	162,000
Related Allowance	567,000	31,000
Impaired Loans with No Specific Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	558,000	16,000
Impaired Loans with No Specific Allowance [Member] | Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Recorded Investment	11,000	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	$ 547,000	$ 16,000

ALLOWANCE FOR LOAN LOSSES (De68

ALLOWANCE FOR LOAN LOSSES (Details 3) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Average impaired balance:
Average investment in impaired loans	$ 1,913	$ 1,074	$ 2,146
Interest income recognized:
Interest income recognized on a cash basis on impaired loans	62	22	27
Commercial [Member]
Average impaired balance:
Average investment in impaired loans	1,075	718	1,271
Interest income recognized:
Interest income recognized on a cash basis on impaired loans	28	14	10
Commercial loans secured by real estate [Member]
Average impaired balance:
Average investment in impaired loans	838	356	866
Interest income recognized:
Interest income recognized on a cash basis on impaired loans	34	8	17
Consumer [Member]
Average impaired balance:
Average investment in impaired loans	0	0	9
Interest income recognized:
Interest income recognized on a cash basis on impaired loans	$ 0	$ 0	$ 0

ALLOWANCE FOR LOAN LOSSES (De69

ALLOWANCE FOR LOAN LOSSES (Details 4) - Commercial Portfolio Segment [Member] - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
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	$ 622,972	$ 618,127
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	159,192	171,529
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	463,780	446,598
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	606,468	604,434
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	156,449	168,116
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	450,019	436,318
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	12,328	8,584
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	500	1,087
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	11,828	7,497
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	3,633	4,597
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	1,999	1,830
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	1,634	2,767
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	543	512
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	244	496
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	$ 299	$ 16

ALLOWANCE FOR LOAN LOSSES (De70

ALLOWANCE FOR LOAN LOSSES (Details 5) - Consumer Portfolio Segment [Member] - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Performing [Member]
Performing and non-performing outstanding balances of the residential and consumer portfolios
Loan portfolio	$ 265,404	$ 264,708
Performing [Member] | Real estate-mortgage [Member]
Performing and non-performing outstanding balances of the residential and consumer portfolios
Loan portfolio	246,021	244,836
Performing [Member] | Consumer [Member]
Performing and non-performing outstanding balances of the residential and consumer portfolios
Loan portfolio	19,383	19,872
Non-Performing [Member]
Performing and non-performing outstanding balances of the residential and consumer portfolios
Loan portfolio	1,257	929
Non-Performing [Member] | Real estate-mortgage [Member]
Performing and non-performing outstanding balances of the residential and consumer portfolios
Loan portfolio	1,257	929
Non-Performing [Member] | Consumer [Member]
Performing and non-performing outstanding balances of the residential and consumer portfolios
Loan portfolio	$ 0	$ 0

ALLOWANCE FOR LOAN LOSSES (De71

ALLOWANCE FOR LOAN LOSSES (Details 6) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Current	$ 879,558	$ 879,366
Past Due	10,075	4,398
Total loans	889,633	883,764
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	7,687	3,264
60-89 Days Past Due [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Past Due	1,250	637
90 Days Past Due [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Past Due	1,138	497
Commercial [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Current	159,181	171,292
Past Due	11	237
Total loans	159,192	171,529
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	0	237
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	0	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	11	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	457,722	446,477
Past Due	6,058	121
Total loans	463,780	446,598
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	5,238	121
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	534	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	286	0
Real estate-mortgage [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Current	243,393	241,802
Past Due	3,885	3,963
Total loans	247,278	245,765
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	2,373	2,856
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	671	610
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	841	497
Consumer [Member]
Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans
Current	19,262	19,795
Past Due	121	77
Total loans	19,383	19,872
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	76	50
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	45	27
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 (De72

ALLOWANCE FOR LOAN LOSSES (Details Textual) - USD ($)	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individual loan balance is classified as nonaccrual status or troubled debt restructure	$ 100,000
Debt Instrument Non Performing Assets	$ 3,000,000
Percentage for Total Loans	0.34%
Allowance for Loan and Lease Losses, Adjustments, Net	$ 800,000	$ 3,950,000	$ 1,250,000
Financing Receivable, Allowance for Credit Losses, Period Increase (Decrease)	3,200,000
Allowance for Loan and Lease Losses Write-offs, Net	$ 518,000	$ 3,900,000
Allowance For Loan And Lease Losses Write Off Percentage	0.06%	0.44%
Commercial Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Threshold for individually evaluating loans	$ 250,000
Allowance for Loan and Lease Losses, Adjustments, Net	509,000	$ 3,305,000	$ 1,051,000
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]
Threshold for individually evaluating loans	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 INCLUDI73

NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Non-performing assets including TDR
Non-accrual loans	$ 3,016	$ 1,603
Other real estate owned	18	21
Total restructured loans not in non-accrual (TDR)	0	0
Total non-performing assets including TDR	$ 3,034	$ 1,624
Total non-performing assets as a percent of loans, net of unearned income, and other real estate owned	0.34%	0.18%
Commercial [Member]
Non-performing assets including TDR
Non-accrual loans	$ 353	$ 496
Commercial loans secured by real estate [Member]
Non-performing assets including TDR
Non-accrual loans	1,406	178
Real estate-mortgage [Member]
Non-performing assets including TDR
Non-accrual loans	1,257	929
Other real estate owned	$ 18	$ 21

NON-PERFORMING ASSETS INCLUDI74

NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (Details 1) $ in Thousands	12 Months Ended
	Dec. 31, 2017USD ($)integer	Dec. 31, 2016USD ($)integer	Dec. 31, 2015USD ($)integer
Loans in accrual status [Member] | Commercial loans secured by real estate [Member]
Schedule of TDRs
Number of loans | integer			1
Current Balance | $			$ 156
Concession Granted			Extension of maturity date
Loans in non-accrual status [Member] | Commercial loans secured by real estate [Member]
Schedule of TDRs
Number of loans | integer	2	1	6
Current Balance | $	$ 587	$ 16	$ 4,320
Concession Granted	Extension of maturity date	Extension of maturity date	Extension of maturity date
Loans in non-accrual status [Member] | Commercial Loan [Member]
Schedule of TDRs
Number of loans | integer	2	2
Current Balance | $	$ 343	$ 496
Concession Granted	Extension of maturity date	Extension of maturity date

NON-PERFORMING ASSETS INCLUDI75

NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (Details 2) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Schedule of Interest Income
Interest income due in accordance with original terms	$ 103	$ 118	$ 94
Interest income recorded	(75)	0	0
Net reduction in interest income	$ 28	$ 118	$ 94

NON-PERFORMING ASSETS INCLUDI76

NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (Details Textual) - USD ($)	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016
Aggregate of multiple consecutive maturity date extensions delay in payment, days	120 days
Borrowers aggregate exposure for loan modification minimum	$ 250,000
Timely payments on contract terms for minimum consecutive months prior to consideration for removing loan from TDR status	6 years
Minimum consecutive months payment for removing the loan from non-accrual status	6 months
ALL reserve for TDR's	$ 748,000	$ 527,000
Mortgage Loans in Process of Foreclosure, Amount	74,000
Residential Real Estate [Member]
Other Assets, Noncurrent	$ 18,000	$ 21,000

PREMISES AND EQUIPMENT (Details

PREMISES AND EQUIPMENT (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Property, Plant and Equipment [Line Items]
Cost	$ 36,090	$ 34,525
Less: Accumulated depreciation and amortization	23,356	22,831
Premises and equipment, net	12,734	11,694
Land [Member]
Property, Plant and Equipment [Line Items]
Cost	1,198	1,198
Premises [Member]
Property, Plant and Equipment [Line Items]
Cost	25,745	24,670
Furniture and equipment [Member]
Property, Plant and Equipment [Line Items]
Cost	8,664	7,949
Leasehold Improvements [Member]
Property, Plant and Equipment [Line Items]
Cost	$ 483	$ 708

PREMISES AND EQUIPMENT (Detai78

PREMISES AND EQUIPMENT (Details Textual) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Property, Plant and Equipment [Line Items]
Depreciation	$ 1.7	$ 1.8	$ 1.8

DEPOSITS (Details)

DEPOSITS (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Demand:
Non-interest bearing	$ 183,603	$ 188,808
Interest bearing	170,343	163,801
Savings	96,583	96,475
Money market	238,119	258,978
Certificates of deposit in denominations of $100,000 or more	30,297	27,427
Other time	229,000	232,297
Total deposits	$ 947,945	$ 967,786

DEPOSITS (Details 1)

DEPOSITS (Details 1) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Interest bearing demand	$ 638	$ 317	$ 199
Savings	162	159	156
Money market	1,446	1,198	817
Certificates of deposit in denominations of $100,000 or more	319	283	266
Other time	3,690	3,443	3,314
Total interest expense	$ 6,255	$ 5,400	$ 4,752

DEPOSITS (Details 2)

DEPOSITS (Details 2) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
OTHER TIME DEPOSITS
2,018	$ 102,529
2,019	47,133
2,020	38,932
2,021	18,796
2,022	9,532
2023 and after	12,078
Total	229,000
CERTIFICATES OF DEPOSIT OF $100,000 OR MORE
2,018	24,194
2,019	2,295
2,020	3,707
2,021	0
2,022	0
2023 and after	101
Total	$ 30,297	$ 27,427

DEPOSITS (Details 3)

DEPOSITS (Details 3) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Three months or less	$ 6,649
Over three through six months	9,511
Over six through twelve months	8,034
Over twelve months	6,103
Total	$ 30,297	$ 27,427

DEPOSITS (Details Textual)

DEPOSITS (Details Textual) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Time Deposits	$ 229,000
FDIC Insurance Limit [Member]
Time Deposits	$ 49,700	$ 45,800

SHORT-TERM BORROWINGS (Details)

SHORT-TERM BORROWINGS (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Federal Funds Purchased [Member]
Short-term Debt [Line Items]
Balance	$ 0	$ 0	$ 0
Maximum indebtedness at any month end	645	0	0
Average balance during year	$ 54	$ 0	$ 0
Average rate paid for the year	0.95%	0.00%	0.00%
Interest rate on year-end balance	0.00%	0.00%	0.00%
Short-Term Borrowings [Member]
Short-term Debt [Line Items]
Balance	$ 49,084	$ 12,754	$ 48,748
Maximum indebtedness at any month end	51,760	56,686	65,071
Average balance during year	$ 16,972	$ 9,030	$ 24,582
Average rate paid for the year	1.21%	0.58%	0.35%
Interest rate on year-end balance	1.54%	0.74%	0.43%

SHORT-TERM BORROWINGS (Details

SHORT-TERM BORROWINGS (Details Textual)	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Short-term Debt [Line Items]
Average maturity	3 days	3 days	3 days

ADVANCES FROM FEDERAL HOME LO86

ADVANCES FROM FEDERAL HOME LOAN BANK, GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES AND SUBORDINATED DEBT (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
WEIGHTED AVERAGE YIELD
2,017		1.06%
2,018	1.48%	1.48%
2,019	1.51%	1.51%
2,020	1.74%	1.59%
2,021	1.75%	1.60%
Total advances from FHLB	1.61%	1.37%
BALANCE
2,017		$ 12,000
2,018	$ 12,000	12,000
2,019	12,500	12,500
2,020	16,729	8,042
2,021	5,000	1,000
Total advances from FHLB	$ 46,229	$ 45,542

ADVANCES FROM FEDERAL HOME LO87

ADVANCES FROM FEDERAL HOME LOAN BANK, GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES AND SUBORDINATED DEBT (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2005	Dec. 31, 2004	Dec. 31, 2017	Dec. 31, 2016	Jan. 27, 2016	Dec. 31, 2015	Dec. 29, 2015	Apr. 28, 1998
Federal Home Loan Bank, Advances, General Debt Obligations, Amount of Available, Unused Funds			$ 371,000
Federal Home Loan Bank, Advances, General Debt Obligations, Maximum Amount Available			35,000
Junior Subordinated Notes			12,923	$ 12,908
Subordinated Debt [Member]
Debt Instrument, Face Amount							$ 7,650
Debt Instrument, Interest Rate, Stated Percentage						6.50%
Cash					$ 21,000
Long-term Debt			7,500	7,400
Guaranteed Junior Subordinated Deferrable Interest Debentures [Member]
Debt Instrument, Face Amount								$ 34,500
Debt Instrument, Interest Rate, Stated Percentage								8.45%
Early Repayment of Subordinated Debt	$ 22,500	$ 22,500
Junior Subordinated Notes			12,900	$ 12,900
Federal Reserve Bank [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Maximum Amount Available			$ 34,000

DISCLOSURES ABOUT FAIR VALUE 88

DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale	$ 129,138	$ 127,077
Fair value swap liability	(92)
U.S. Agency Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale	6,572	398
Taxable Municipal Bonds [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale	7,036	3,622
Corporate Bond Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale	35,784	33,873
U.S. Agency mortgage-backed securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale	79,746	89,184
Fair value swap asset [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale	92
Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value swap liability	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] | Taxable Municipal Bonds [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 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] | Fair value swap asset [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale	0
Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value swap liability	0
Level 2 [Member] | U.S. Agency Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale	6,572	398
Level 2 [Member] | Taxable Municipal Bonds [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale	7,036	3,622
Level 2 [Member] | Corporate Bond Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale	35,784	33,873
Level 2 [Member] | U.S. Agency mortgage-backed securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale	79,746	89,184
Level 2 [Member] | Fair value swap asset [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale	0
Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value swap liability	(92)
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] | Taxable Municipal Bonds [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
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] | Fair value swap asset [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale	$ 92

DISCLOSURES ABOUT FAIR VALUE 89

DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Details 1) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2017	Dec. 31, 2016
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Impaired loans		$ 1,759	$ 674
Fair Value Measurements, Nonrecurring Basis [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Impaired loans		850	147
Other real estate owned		18	21
Fair Value Measurements, Nonrecurring Basis [Member] | Impaired Loans [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Impaired loans		$ 850	$ 147
Valuation Techniques	[1]	Appraisal of collateral	Appraisal of collateral
Appraisal of Adjustment	[2]	54.00%	45.00%
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		$ 18	$ 21
Valuation Techniques	[1],[3]	Appraisal of collateral	Appraisal of collateral
Appraisal of Adjustment	[2]	29.00%	42.00%
Liquidation expenses	[2]	79.00%	37.00%
Fair Value Measurements, Nonrecurring Basis [Member] | Minimum [Member] | Impaired Loans [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Appraisal of Adjustment	[2]	21.00%	40.00%
Fair Value Measurements, Nonrecurring Basis [Member] | Minimum [Member] | Other Real Estate Owned [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Appraisal of Adjustment	[2]	16.00%	20.00%
Liquidation expenses	[2]	2.00%	3.00%
Fair Value Measurements, Nonrecurring Basis [Member] | Maximum [Member] | Impaired Loans [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Appraisal of Adjustment	[2]	75.00%	99.00%
Fair Value Measurements, Nonrecurring Basis [Member] | Maximum [Member] | Other Real Estate Owned [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Appraisal of Adjustment	[2]	64.00%	77.00%
Liquidation expenses	[2]	206.00%	199.00%
Fair Value Measurements, Nonrecurring Basis [Member] | Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Impaired loans		$ 0	$ 0
Other real estate owned		0	0
Fair Value Measurements, Nonrecurring Basis [Member] | Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Impaired loans		0	0
Other real estate owned		0	0
Fair Value Measurements, Nonrecurring Basis [Member] | Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Impaired loans		850	147
Other real estate owned		$ 18	$ 21
[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 90

DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Details Textual) - USD ($)	Dec. 31, 2017	Dec. 31, 2016
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Carrying value of impaired loans	$ 1,759,000	$ 674,000
Specific valuation allowance	909,000	527,000
Net fair value of impaired loans	$ 850,000	$ 147,000

DISCLOSURES ABOUT FAIR VALUE 91

DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
FINANCIAL ASSETS: Carrying Value
Cash and cash equivalents	$ 34,188	$ 34,073	$ 48,510	$ 32,872
Investment securities - AFS	129,138	127,077
Investment securities - HTM	38,752	30,665
Regulatory stock	6,800	5,484
Loans held for sale	3,125	3,094
Loans, net of allowance for loan loss and unearned income	879,419	873,832
Accrued interest income receivable	3,603	3,116
Bank owned life insurance	37,860	37,903
Fair value swap asset	92
Cash and cash equivalents	34,188	34,073
Investment securities - AFS	129,138	127,077
Investment securities - HTM	38,811	30,420
Regulatory stock	6,800	5,484
Loans held for sale	3,173	3,158
Loans, net of allowance for loan loss and unearned income	873,784	869,960
Accrued interest income receivable	3,603	3,116
Bank owned life insurance	37,860	37,903
Fair value swap asset	92
FINANCIAL LIABILITIES: Carrying Value
Deposits with no stated maturities	688,648	708,062
Deposits with stated maturities	259,297	259,724
Short-term borrowings	49,084	12,754
All other borrowings	66,617	65,891
Accrued interest payable	1,754	1,640
Fair value swap liability	92
Deposits with no stated maturities	688,648	708,062
Deposits with stated maturities	260,153	261,446
Short-term borrowings	49,084	12,754
All other borrowings	69,684	69,348
Accrued interest payable	1,754	1,640
Fair value swap liability	92
Level 1 [Member]
FINANCIAL ASSETS: Carrying Value
Cash and cash equivalents	34,188	34,073
Investment securities - AFS	0	0
Investment securities - HTM	0	0
Regulatory stock	6,800	5,484
Loans held for sale	3,173	3,158
Loans, net of allowance for loan loss and unearned income	0	0
Accrued interest income receivable	3,603	3,116
Bank owned life insurance	37,860	37,903
Fair value swap asset	0
FINANCIAL LIABILITIES: Carrying Value
Fair value swap liability	0
Deposits with no stated maturities	688,648	708,062
Deposits with stated maturities	0	0
Short-term borrowings	49,084	12,754
All other borrowings	0	0
Accrued interest payable	1,754	1,640
Fair value swap liability	0
Level 2 [Member]
FINANCIAL ASSETS: Carrying Value
Cash and cash equivalents	0	0
Investment securities - AFS	129,138	127,077
Investment securities - HTM	35,859	27,473
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
Fair value swap asset	0
FINANCIAL LIABILITIES: Carrying Value
Fair value swap liability	0
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
Fair value swap liability	0
Level 3 [Member]
FINANCIAL ASSETS: Carrying Value
Cash and cash equivalents	0	0
Investment securities - AFS	0	0
Investment securities - HTM	2,952	2,947
Regulatory stock	0	0
Loans held for sale	0	0
Loans, net of allowance for loan loss and unearned income	873,784	869,960
Accrued interest income receivable	0	0
Bank owned life insurance	0	0
Fair value swap asset	92
FINANCIAL LIABILITIES: Carrying Value
Fair value swap liability	92
Deposits with no stated maturities	0	0
Deposits with stated maturities	260,153	261,446
Short-term borrowings	0	0
All other borrowings	69,684	69,348
Accrued interest payable	0	$ 0
Fair value swap liability	$ 92

INCOME TAXES (Details)

INCOME TAXES (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Current									$ 1,044	$ 483	$ 1,455
Deferred									1,679	414	888
Change in corporate tax rate									2,624	0	0
Income tax expense	$ 3,398	$ 701	$ 623	$ 625	$ 423	$ 446	$ 577	$ (549)	$ 5,347	$ 897	$ 2,343

INCOME TAXES (Details 1)

INCOME TAXES (Details 1) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
AMOUNT
Income tax expense based on federal statutory rate									$ 2,938	$ 1,090	$ 2,836
Tax exempt income									(283)	(255)	(574)
Other									68	62	81
Change in corporate tax rate									2,624	0	0
Total expense for income taxes	$ 3,398	$ 701	$ 623	$ 625	$ 423	$ 446	$ 577	$ (549)	$ 5,347	$ 897	$ 2,343
RATE
Income tax expense based on federal statutory rate									34.00%	34.00%	34.00%
Tax exempt income									(3.30%)	(7.90%)	(6.90%)
Other									0.80%	1.90%	1.00%
Change in corporate tax rate									30.40%	0.00%	0.00%
Total expense for income taxes									61.90%	28.00%	28.10%

INCOME TAXES (Details 2)

INCOME TAXES (Details 2) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
DEFERRED TAX ASSETS:
Allowance for loan losses	$ 2,145	$ 3,377
Unfunded commitment reserve	192	303
Unrealized investment security losses	87	87
Premises and equipment	804	1,542
Accrued pension obligation	948	2,582
Alternative minimum tax credits	1,724	2,110
Other	219	895
Total tax assets	6,119	10,896
DEFERRED TAX LIABILITIES:
Investment accretion	(33)	(24)
Other	(123)	(217)
Total tax liabilities	(156)	(241)
Net deferred tax asset	$ 5,963	$ 10,655

INCOME TAXES (Details 3)

INCOME TAXES (Details 3) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Unrealized gains recognized in comprehensive income	$ 53	$ 507
Pension obligation of the defined benefit plan not yet recognized in income	(442)	1,569	$ (197)
Deferred provision for income taxes	(1,679)	(414)	(888)
Change in corporate tax rate	(2,624)	0	$ 0
Net increase (decrease)	$ (4,692)	$ 1,662

INCOME TAXES (Details Textual)

INCOME TAXES (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Tax Credit Carryforward, Amount		$ 1,700
Effective Income Tax Rate Reconciliation, Change in Enacted Tax Rate, Amount		$ 2,624	$ 0	$ 0
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent		34.00%	34.00%	34.00%
Scenario, Plan [Member]
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent	21.00%

EMPLOYEE BENEFIT PLANS (Details

EMPLOYEE BENEFIT PLANS (Details) - Pension Plans, Defined Benefit [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
CHANGE IN BENEFIT OBLIGATION:
Benefit obligation at beginning of year	$ 38,637	$ 33,117
Service cost	1,516	1,468	$ 1,557
Interest cost	1,292	1,430	1,341
Actuarial (gain) loss	1,588	4,578
Benefits paid	(2,020)	(1,956)
Benefit obligation at end of year	41,013	38,637	33,117
CHANGE IN PLAN ASSETS:
Fair value of plan assets at beginning of year	30,671	28,429
Actual return on plan assets	4,949	348
Employer contributions	3,500	3,850
Benefits paid	(2,020)	(1,956)
Fair value of plan assets at end of year	37,100	30,671	$ 28,429
Funded status of the plan	$ (3,913)	$ (7,966)

EMPLOYEE BENEFIT PLANS (Detai98

EMPLOYEE BENEFIT PLANS (Details 1) - Pension Plans, Defined Benefit [Member] - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Amounts recognized in accumulated other comprehensive loss consists of:
Net actuarial loss	$ 15,326	$ 17,602
Total	$ 15,326	$ 17,602

EMPLOYEE BENEFIT PLANS (Detai99

EMPLOYEE BENEFIT PLANS (Details 2) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Pension Plans, Defined Benefit [Member]
Defined Benefit Plan Disclosure [Line Items]
Accumulated benefit obligation	$ 37,594	$ 35,153

EMPLOYEE BENEFIT PLANS (Deta100

EMPLOYEE BENEFIT PLANS (Details 3)	Dec. 31, 2017	Dec. 31, 2016
WEIGHTED AVERAGE ASSUMPTIONS:
Discount rate	3.63%	4.12%
Salary scale	2.50%	2.50%

EMPLOYEE BENEFIT PLANS (Deta101

EMPLOYEE BENEFIT PLANS (Details 4) - Pension Plans, Defined Benefit [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
COMPONENTS OF NET PERIODIC BENEFIT COST:
Service cost	$ 1,516	$ 1,468	$ 1,557
Interest cost	1,292	1,430	1,341
Expected return on plan assets	(2,539)	(2,275)	(2,130)
Recognized net actuarial loss	1,454	1,333	1,386
Net periodic pension cost	$ 1,723	$ 1,956	$ 2,154

EMPLOYEE BENEFIT PLANS (Deta102

EMPLOYEE BENEFIT PLANS (Details 5) - Pension Plans, Defined Benefit [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
OTHER CHANGES IN PLAN ASSETS AND BENEFIT OBLIGATIONS RECOGNIZED IN OTHER COMPREHENSIVE LOSS
Net (gain) loss	$ (822)	$ 6,505	$ 1,221
Recognized loss	(1,454)	(1,333)	(1,386)
Total recognized in other comprehensive loss before tax effect	(2,276)	5,172	(165)
Total recognized in net benefit cost and other comprehensive loss before tax effect	$ (553)	$ 7,128	$ 1,989

EMPLOYEE BENEFIT PLANS (Deta103

EMPLOYEE BENEFIT PLANS (Details 6) - Pension Plans, Defined Benefit [Member]	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
WEIGHTED AVERAGE ASSUMPTIONS:
Discount rate	4.12%	4.20%	4.00%
Expected return on plan assets	7.75%	7.75%	8.00%
Rate of compensation increase	2.50%	2.50%	2.50%

EMPLOYEE BENEFIT PLANS (Deta104

EMPLOYEE BENEFIT PLANS (Details 7) - Pension Plans, Defined Benefit [Member]	Dec. 31, 2017	Dec. 31, 2016
ASSET CATEGORY:
Asset allocations	100.00%	100.00%
Cash and Cash Equivalents [Member]
ASSET CATEGORY:
Asset allocations	0.00%	8.00%
Domestic equities [Member]
ASSET CATEGORY:
Asset allocations	12.00%	10.00%
Mutual funds/ETFs [Member]
ASSET CATEGORY:
Asset allocations	82.00%	76.00%
International equities [Member]
ASSET CATEGORY:
Asset allocations	4.00%	1.00%
Corporate bonds [Member]
ASSET CATEGORY:
Asset allocations	2.00%	5.00%

EMPLOYEE BENEFIT PLANS (Deta105

EMPLOYEE BENEFIT PLANS (Details 8) - Pension Plans, Defined Benefit [Member] - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Defined Benefit Plan, Information about Plan Assets [Abstract]
Defined Benefit Plan, Fair Value of Plan Assets	$ 37,100	$ 30,671	$ 28,429
Cash and cash equivalents | Fair Value, Inputs, Level 1 [Member]
Defined Benefit Plan, Information about Plan Assets [Abstract]
Defined Benefit Plan, Fair Value of Plan Assets	44	2,454
Domestic equities | Fair Value, Inputs, Level 1 [Member]
Defined Benefit Plan, Information about Plan Assets [Abstract]
Defined Benefit Plan, Fair Value of Plan Assets	4,340	3,067
International equities | Fair Value, Inputs, Level 1 [Member]
Defined Benefit Plan, Information about Plan Assets [Abstract]
Defined Benefit Plan, Fair Value of Plan Assets	1,322	307
Mutual funds/ETFs | Fair Value, Inputs, Level 1 [Member]
Defined Benefit Plan, Information about Plan Assets [Abstract]
Defined Benefit Plan, Fair Value of Plan Assets	30,470	23,310
Corporate bonds | Fair Value, Inputs, Level 2 [Member]
Defined Benefit Plan, Information about Plan Assets [Abstract]
Defined Benefit Plan, Fair Value of Plan Assets	$ 924	$ 1,533

EMPLOYEE BENEFIT PLANS (Deta106

EMPLOYEE BENEFIT PLANS (Details 9) - Pension Plans, Defined Benefit [Member] $ in Thousands	Dec. 31, 2017USD ($)
Defined Benefit Plan, Expected Future Benefit Payments, Fiscal Year Maturity [Abstract]
2,018	$ 2,698
2,019	2,692
2,020	2,817
2,021	2,832
2,022	3,116
Years 2023 - 2027	$ 14,988

EMPLOYEE BENEFIT PLANS (Deta107

EMPLOYEE BENEFIT PLANS (Details Textual)	12 Months Ended
	Dec. 31, 2017USD ($)	Dec. 31, 2016USD ($)	Dec. 31, 2015USD ($)	Dec. 31, 2014	Dec. 31, 2013
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan Minimum Number Of Annual Employee Hours	1,000
Defined Benefit Plan Maximum Percent Of Assets Comprised Of Entity Common Stock	10.00%
Defined Contribution Plan Maximum Annual Contribution Per Union Employee Percent	4.00%	4.00%
Defined Contribution Plan Amount Of Entity Common Stock And Securities Held	$ 1,100,000
Defined Contribution Plan, Employer Matching Contribution, Percent of Match				6.00%	2.00%
Defined Contribution Plan, Maximum Annual Contributions Per Employee, Percent				3.00%	1.00%
Defined Contribution Plan, Cost Recognized	469,000	$ 447,000	$ 433,000
Defined Benefit Plan, Expected Amortization of Gain (Loss), Next Fiscal Year	$ 1,561,000
Equity Securities [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	60.00%
Equity Securities [Member] | Minimum [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	50.00%
Equity Securities [Member] | Maximum [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	60.00%
Debt Securities [Member] | Minimum [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	40.00%
Debt Securities [Member] | Maximum [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Plan Assets, Target Allocation, Percentage	50.00%
Pension Plans, Defined Benefit [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Amount of Employer and Related Party Securities Included in Plan Assets	$ 1,200,000
Defined Benefit Plan Maximum Percent Of Assets Comprised Of Entity Common Stock	10.00%
Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Expected Long-term Return on Assets	7.75%	7.75%	8.00%
Defined Benefit Plan Percent Of Assets Comprised Of Entity Common Stock	3.40%
Defined Benefit Plan, Expected Future Employer Contributions, Next Fiscal Year	$ 3,500,000

LEASE COMMITMENTS (Details)

LEASE COMMITMENTS (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Operating Leased Assets [Line Items]
2,018	$ 445
2,019	277
2,020	254
2,021	254
2,022	256
2023 and thereafter	1,558
Operating Leases, Rent Expense, Net, Total	$ 571	$ 767	$ 821

COMMITMENTS AND CONTINGENT L109

COMMITMENTS AND CONTINGENT LIABILITIES (Details Textual) - USD ($)	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016
Loss Contingencies [Line Items]
Carrying value of commitment	$ 915,000	$ 890,000
Commitments to extend credit [Member]
Loss Contingencies [Line Items]
Amount of commitment	165,100,000	160,500,000
Standby letters of credit [Member]
Loss Contingencies [Line Items]
Amount of commitment	10,000,000	8,500,000
Amount of commitments secured	$ 5,100,000	$ 3,900,000
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) - USD ($) $ in Millions	1 Months Ended
	Aug. 11, 2011	Jan. 27, 2016
Temporary Equity [Line Items]
Shares of stock issued	21,000
Aggregate proceeds	$ 21
Redemption price, percent of liquidation amount		100.00%

STOCK COMPENSATION PLANS (Detai

STOCK COMPENSATION PLANS (Details) - $ / shares	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
SHARES
Outstanding at beginning of year	417,566	470,449	559,909
Granted	17,500	54,000	32,500
Exercised	(64,112)	(32,661)	(75,923)
Forfeited	(10,233)	(74,222)	(46,037)
Outstanding at end of year	360,721	417,566	470,449
Exercisable at end of year	308,301	328,062	336,555
WEIGHTED AVERAGE EXERCISE PRICE
Outstanding at beginning of year	$ 2.76	$ 2.74	$ 2.66
Granted	3.96	3.03	2.96
Exercised	2.49	2.27	2.07
Forfeited	3.10	3.04	3.04
Outstanding at end of year	2.85	2.76	2.74
Exercisable at end of year	2.79	2.69	2.58
Weighted average fair value of options granted in current year	$ 1.12	$ 0.93	$ 0.67

STOCK COMPENSATION PLANS (De112

STOCK COMPENSATION PLANS (Details 1)	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
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		29.00%	22.00%
Expected dividend rate	1.50%		1.35%
Minimum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Risk-free interest rate	2.23%	1.56%
Expected volatility	28.09%
Expected dividend rate		1.35%
Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Risk-free interest rate	2.38%	1.73%
Expected volatility	28.84%
Expected dividend rate		1.81%

STOCK COMPENSATION PLANS (De113

STOCK COMPENSATION PLANS (Details Textual) - USD ($)	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Stock or Unit Option Plan Expense	$ 13,000	$ 20,000	$ 29,000
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 Exercisable Options, Beginning Balance	360,721
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	308,301
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
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Exercisable Options, Weighted Average Exercise Price	$ 2.85
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Exercisable Options, Weighted Average Remaining Contractual Term	5 years 11 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	52,420
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	4
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Exercisable Options, Weighted Average Exercise Price	$ 3.22
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Exercisable Options, Weighted Average Remaining Contractual Term	7 years 10 months 24 days

ACCUMULATED OTHER COMPREHENS114

ACCUMULATED OTHER COMPREHENSIVE LOSS (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2017	Dec. 31, 2016
Accumulated Other Comprehensive Loss [Line Items]
Beginning balance	[1]	$ (11,577)	$ (7,555)
Reclassification of certain income tax effects from accumulated other comprehensive loss	[1]	(2,131)	0
Other comprehensive income (loss) before reclassifications	[1]	1,044	(4,425)
Amounts reclassified from accumulated other comprehensive loss	[1]	(286)	403
Net current period other comprehensive loss	[1]	(1,373)	(4,022)
Ending balance	[1]	(12,950)	(11,577)
Net Unrealized Gains and (Losses) on Investment Securities AFS [Member]
Accumulated Other Comprehensive Loss [Line Items]
Beginning balance	[1]	(171)	808
Reclassification of certain income tax effects from accumulated other comprehensive loss	[1]	(53)	0
Other comprehensive income (loss) before reclassifications	[1]	(27)	(862)
Amounts reclassified from accumulated other comprehensive loss	[1]	(76)	(117)
Net current period other comprehensive loss	[1]	(156)	(979)
Ending balance	[1]	(327)	(171)
Defined Benefit Pension Items [Member]
Accumulated Other Comprehensive Loss [Line Items]
Beginning balance	[1]	(11,406)	(8,363)
Reclassification of certain income tax effects from accumulated other comprehensive loss	[1]	(2,078)	0
Other comprehensive income (loss) before reclassifications	[1]	1,071	(3,563)
Amounts reclassified from accumulated other comprehensive loss	[1]	(210)	520
Net current period other comprehensive loss	[1]	(1,217)	(3,043)
Ending balance	[1]	$ (12,623)	$ (11,406)
[1]	Amounts in parentheses indicate debits on the Consolidated Balance Sheets.

ACCUMULATED OTHER COMPREHENS115

ACCUMULATED OTHER COMPREHENSIVE LOSS (Details 1) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2017		Dec. 31, 2016		Dec. 31, 2015
Unrealized gains and losses on sale of securities
Net realized gains on investment securities		$ 115	[1]	$ 177	[1]	$ 71
Provision for income taxes		39	[1]	60	[1]	$ 25
Net of tax	[1]	(76)		(117)
Amortization of defined benefit items
Recognized net actuarial loss	[1],[2]	(318)		788
Provision for income taxes	[1],[2]	108		(268)
Net of tax	[1],[2]	(210)		520
Total reclassifications for the period	[1],[2]	$ (286)		$ 403
[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 Text

INTANGIBLE ASSETS (Details Textual) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Goodwill [Line Items]
Goodwill	$ 11,944	$ 11,944
West Chester Capital Advisors [Member]
Goodwill [Line Items]
Goodwill	2,400
Retail Banking [Member]
Goodwill [Line Items]
Goodwill	$ 9,500

DERIVATIVE HEDGING INSTRUMEN117

DERIVATIVE HEDGING INSTRUMENTS (Details)	12 Months Ended
	Dec. 31, 2017USD ($)
Derivative, Notional Amount	$ 0
Increase (Decrease) in Fair Value of Interest Rate Fair Value Hedging Instruments	$ 0
Derivative Instruments Weighted Average Interest Rate Received Paid	0.00%
Derivative Financial Instruments, Liabilities [Member] | Swap [Member]
Derivative, Swap Type	FAIR VALUE
Derivative, Notional Amount	$ (16,948,686)
Derivative Instruments, Repricing Frequency	MONTHLY
Increase (Decrease) in Fair Value of Interest Rate Fair Value Hedging Instruments	$ 110,778
Derivative Instruments Weighted Average Interest Rate Received Paid	(3.47%)
Derivative Financial Instruments, Assets [Member] | Swap [Member]
Derivative, Swap Type	FAIR VALUE
Derivative, Notional Amount	$ 16,948,686
Derivative Instruments, Repricing Frequency	MONTHLY
Increase (Decrease) in Fair Value of Interest Rate Fair Value Hedging Instruments	$ (110,778)
Derivative Instruments Weighted Average Interest Rate Received Paid	3.47%

DERIVATIVE HEDGING INSTRUMEN118

DERIVATIVE HEDGING INSTRUMENTS (Details Textual)	12 Months Ended
	Dec. 31, 2017USD ($)
Proceeds from Fees Received	$ 139,000
Derivative Notional Amount Outstanding	$ 500,000,000

SEGMENT RESULTS (Details)

SEGMENT RESULTS (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Contribution of segments to the consolidated results of operations
Net interest income	$ 9,004	$ 8,937	$ 8,899	$ 8,721	$ 8,584	$ 8,506	$ 8,486	$ 8,558	$ 35,561	$ 34,134	$ 35,361
Provision for loan loss	50	200	325	225	300	300	250	3,100	800	3,950	1,250
Non-interest income	3,699	3,629	3,755	3,562	3,798	3,661	3,742	3,437	14,645	14,638	15,267
Non-interest expense	10,250	10,114	10,317	10,085	10,509	10,356	10,039	10,711	40,766	41,615	41,038
Income (loss) before income taxes	2,403	2,252	2,012	1,973	1,573	1,511	1,939	(1,816)	8,640	3,207	8,340
Income tax expense	3,398	701	623	625	423	446	577	(549)	5,347	897	2,343
Net income (loss)	(995)	$ 1,551	$ 1,389	$ 1,348	1,150	$ 1,065	$ 1,362	$ (1,267)	3,293	2,310	5,997
Total assets	1,167,655				1,153,780				1,167,655	1,153,780	1,148,497
Retail banking [Member]
Contribution of segments to the consolidated results of operations
Net interest income									20,541	20,860	20,680
Provision for loan loss									122	175	192
Non-interest income									4,956	5,281	5,537
Non-interest expense									21,247	21,704	21,849
Income (loss) before income taxes									4,128	4,262	4,176
Income tax expense									1,381	1,252	1,160
Net income (loss)									2,747	3,010	3,016
Total assets	353,924				357,500				353,924	357,500	415,008
Commercial Banking [Member]
Contribution of segments to the consolidated results of operations
Net interest income									18,642	18,518	18,390
Provision for loan loss									678	3,775	1,058
Non-interest income									414	439	552
Non-interest expense									9,892	10,453	10,303
Income (loss) before income taxes									8,486	4,729	7,581
Income tax expense									2,642	1,387	2,167
Net income (loss)									5,844	3,342	5,414
Total assets	643,055				635,843				643,055	635,843	589,840
Trust [Member]
Contribution of segments to the consolidated results of operations
Net interest income									61	56	58
Provision for loan loss									0	0	0
Non-interest income									9,170	8,749	8,683
Non-interest expense									7,094	7,097	6,606
Income (loss) before income taxes									2,137	1,708	2,135
Income tax expense									772	581	726
Net income (loss)									1,365	1,127	1,409
Total assets	5,413				5,217				5,413	5,217	5,263
Investment/ Parent [Member]
Contribution of segments to the consolidated results of operations
Net interest income									(3,683)	(5,300)	(3,767)
Provision for loan loss									0	0	0
Non-interest income									105	169	495
Non-interest expense									2,533	2,361	2,280
Income (loss) before income taxes									(6,111)	(7,492)	(5,552)
Income tax expense									552	(2,323)	(1,710)
Net income (loss)									(6,663)	(5,169)	(3,842)
Total assets	$ 165,263				$ 155,220				$ 165,263	$ 155,220	$ 138,386

REGULATORY CAPITAL (Details)

REGULATORY CAPITAL (Details) - USD ($) $ in Thousands		Dec. 31, 2017	Dec. 31, 2016
Summarized regulatory capital ratio of company
Total Capital (To RWA), Actual Amount		$ 110,681	$ 107,618
Tier 1 Common Equity (To RWA), Actual Amount		99,552	96,796
Tier 1 Capital (To RWA), Actual Amount		99,552	96,796
Tier 1 Capital (To Average Assets), Actual Amount		$ 99,552	$ 96,796
Total Capital (To RWA), Actual Ratio		11.64%	11.35%
Tier 1 Common Equity (To RWA), Actual Ratio		10.47%	10.21%
Tier 1 Capital (To RWA), Actual Ratio		10.47%	10.21%
Tier 1 Capital (To Average Assets), Actual Ratio		8.75%	8.61%
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%	4.50%
Tier 1 Capital (To RWA), Minimun Required For Capital Adequacy Purpose		6.00%	6.00%
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%	6.50%
Tier 1 Capital (To RWA), TTo Be Will Capitalized Under Prompt Corrective Action Regulations	[1]	8.00%	8.00%
Tier 1 Capital (To Average Assets), To Be Will Capitalized Under Prompt Corrective Action Regulations	[1]	5.00%	5.00%
Parent Company [Member]
Summarized regulatory capital ratio of company
Total Capital (To RWA), Actual Amount		$ 126,276	$ 125,131
Tier 1 Common Equity (To RWA), Actual Amount		95,882	95,028
Tier 1 Capital (To RWA), Actual Amount		107,682	106,868
Tier 1 Capital (To Average Assets), Actual Amount		$ 107,682	$ 106,868
Total Capital (To RWA), Actual Ratio		13.21%	13.15%
Tier 1 Common Equity (To RWA), Actual Ratio		10.03%	9.99%
Tier 1 Capital (To RWA), Actual Ratio		11.26%	11.23%
Tier 1 Capital (To Average Assets), Actual Ratio		9.32%	9.35%
[1]	Applies to the Bank only.

REGULATORY CAPITAL (Details Tex

REGULATORY CAPITAL (Details Textual)	Dec. 31, 2017	Dec. 31, 2016
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Tangible Capital to Tangible Assets	7.20%	7.31%

PARENT COMPANY FINANCIAL INF122

PARENT COMPANY FINANCIAL INFORMATION (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
ASSETS
Cash	$ 26,234	$ 25,107
Short-term investments in money market funds	5,256	5,900
Investment securities available for sale	129,138	127,077
Other assets	4,129	4,243
TOTAL ASSETS	1,167,655	1,153,780	$ 1,148,497
LIABILITIES
Guaranteed junior subordinated deferrable interest debentures	12,923	12,908
Subordinated debt	7,465	7,441
Other liabilities	8,907	11,954
TOTAL LIABILITIES	1,072,553	1,058,385
STOCKHOLDERS’ EQUITY
Total stockholders’ equity	95,102	95,395	$ 118,973
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	1,167,655	1,153,780
Parent Company [Member]
ASSETS
Cash	100	100
Short-term investments in money market funds	4,521	5,397
Investment securities available for sale	5,307	6,041
Other assets	499	2,665
TOTAL ASSETS	116,279	116,529
LIABILITIES
Guaranteed junior subordinated deferrable interest debentures	12,923	12,908
Subordinated debt	7,465	7,441
Other liabilities	789	785
TOTAL LIABILITIES	21,177	21,134
STOCKHOLDERS’ EQUITY
Total stockholders’ equity	95,102	95,395
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	116,279	116,529
Parent Company [Member] | Banking Subsidiary [Member]
ASSETS
Equity investment	99,408	97,158
Parent Company [Member] | Non Banking Subsidiaries [Member]
ASSETS
Equity investment	$ 6,444	$ 5,168

PARENT COMPANY FINANCIAL INF123

PARENT COMPANY FINANCIAL INFORMATION (Details 1) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
INCOME
Interest, dividend and other income	$ 11,370	$ 11,187	$ 11,051	$ 10,748	$ 10,582	$ 10,476	$ 10,389	$ 10,422	$ 44,356	$ 41,869	$ 41,881
EXPENSE
Interest expense	2,366	2,250	2,152	2,027	1,998	1,970	1,903	1,864	8,795	7,735	6,520
Salaries and employee benefits									24,127	24,034	24,042
Other expense									4,858	5,271	4,727
INCOME BEFORE INCOME TAXES AND EQUITY IN UNDISTRIBUTED EARNINGS OF SUBSIDIARIES	2,403	2,252	2,012	1,973	1,573	1,511	1,939	(1,816)	8,640	3,207	8,340
Benefit for income taxes	3,398	701	623	625	423	446	577	(549)	5,347	897	2,343
NET INCOME	$ (995)	$ 1,551	$ 1,389	$ 1,348	$ 1,150	$ 1,065	$ 1,362	$ (1,267)	3,293	2,310	5,997
COMPREHENSIVE INCOME (LOSS)									4,051	(1,712)	5,344
Parent Company [Member]
INCOME
Inter-entity management and other fees									2,315	2,305	2,432
Interest, dividend and other income									163	214	669
TOTAL INCOME									6,168	6,169	9,176
EXPENSE
Interest expense									1,642	1,640	1,125
Salaries and employee benefits									2,416	2,314	2,302
Other expense									1,618	1,549	1,562
TOTAL EXPENSE									5,676	5,503	4,989
INCOME BEFORE INCOME TAXES AND EQUITY IN UNDISTRIBUTED EARNINGS OF SUBSIDIARIES									492	666	4,187
Benefit for income taxes									(1,114)	(1,015)	(642)
Equity in undistributed earnings of subsidiaries									1,687	629	1,168
NET INCOME									3,293	2,310	5,997
COMPREHENSIVE INCOME (LOSS)									4,051	(1,712)	5,344
Parent Company [Member] | Banking Subsidiary [Member]
INCOME
Dividends from subsidiaries									2,850	3,000	5,100
Parent Company [Member] | Non Banking Subsidiaries [Member]
INCOME
Dividends from subsidiaries									$ 840	$ 650	$ 975

PARENT COMPANY FINANCIAL INF124

PARENT COMPANY FINANCIAL INFORMATION (Details 2) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
OPERATING ACTIVITIES
Net income	$ (995)	$ 1,551	$ 1,389	$ 1,348	$ 1,150	$ 1,065	$ 1,362	$ (1,267)	$ 3,293	$ 2,310	$ 5,997
Adjustment to reconcile net income to net cash (used in) provided by operating activities:
Stock compensation expense									173	94	186
Other - net									(1,776)	(1,186)	(1,674)
INVESTING ACTIVITIES
Proceeds from maturity and sales of investment securities - available for sale									22,311	24,574	24,532
Proceeds from life insurance policies									614	0	1,598
FINANCING ACTIVITIES
Preferred stock redemption									0	(21,000)	0
Preferred stock dividends paid									0	(15)	(210)
Common stock dividends paid									(1,113)	(945)	(754)
NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS									115	(14,437)	15,638
CASH AND CASH EQUIVALENTS AT JANUARY 1				34,073				48,510	34,073	48,510	32,872
CASH AND CASH EQUIVALENTS AT DECEMBER 31	34,188				34,073				34,188	34,073	48,510
Parent Company [Member]
OPERATING ACTIVITIES
Net income									3,293	2,310	5,997
Adjustment to reconcile net income to net cash (used in) provided by operating activities:
Equity in undistributed earnings of subsidiaries									(1,687)	(629)	(1,168)
Stock compensation expense									13	20	29
Other - net									1,325	1,463	842
NET CASH PROVIDED BY (USED IN) OPERATING ACTIVITIES									2,944	3,164	5,700
INVESTING ACTIVITIES
Purchase of investment securities - available for sale									(1,002)	(996)	(1,533)
Proceeds from maturity and sales of investment securities - available for sale									1,699	3,396	4,669
Proceeds from life insurance policies									0	0	719
NET CASH PROVIDED BY INVESTING ACTIVITIES									697	2,400	3,855
FINANCING ACTIVITIES
Subordinated debt issuance, net									0	0	7,418
Preferred stock redemption									0	(21,000)	0
Preferred stock dividends paid									0	(15)	(210)
Purchases of treasury stock									(3,404)	0	0
Common stock dividends paid									(1,113)	(945)	(754)
NET CASH (USED IN) PROVIDED BY FINANCING ACTIVITIES									(4,517)	(21,960)	6,454
NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS									(876)	(16,396)	16,009
CASH AND CASH EQUIVALENTS AT JANUARY 1				$ 5,497				$ 21,893	5,497	21,893	5,884
CASH AND CASH EQUIVALENTS AT DECEMBER 31	$ 4,621				$ 5,497				$ 4,621	$ 5,497	$ 21,893

PARENT COMPANY FINANCIAL INF125

PARENT COMPANY FINANCIAL INFORMATION (Details Textual)	Dec. 31, 2017USD ($)
Dividend Payments Restrictions Schedule, Statutory Capital and Surplus	$ 110,300,000

SELECTED QUARTERLY CONSOLIDA126

SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Interest income	$ 11,370	$ 11,187	$ 11,051	$ 10,748	$ 10,582	$ 10,476	$ 10,389	$ 10,422	$ 44,356	$ 41,869	$ 41,881
Interest expense	2,366	2,250	2,152	2,027	1,998	1,970	1,903	1,864	8,795	7,735	6,520
Net interest income	9,004	8,937	8,899	8,721	8,584	8,506	8,486	8,558	35,561	34,134	35,361
Provision for loan losses	50	200	325	225	300	300	250	3,100	800	3,950	1,250
Net interest income after provision for loan losses	8,954	8,737	8,574	8,496	8,284	8,206	8,236	5,458	34,761	30,184	34,111
Non-interest income	3,699	3,629	3,755	3,562	3,798	3,661	3,742	3,437	14,645	14,638	15,267
Non-interest expense	10,250	10,114	10,317	10,085	10,509	10,356	10,039	10,711	40,766	41,615	41,038
Income before income taxes	2,403	2,252	2,012	1,973	1,573	1,511	1,939	(1,816)	8,640	3,207	8,340
Provision for income taxes	3,398	701	623	625	423	446	577	(549)	5,347	897	2,343
Net income (loss)	$ (995)	$ 1,551	$ 1,389	$ 1,348	$ 1,150	$ 1,065	$ 1,362	$ (1,267)	$ 3,293	$ 2,310	$ 5,997
Basic earnings (loss) per common share	$ (0.05)	$ 0.08	$ 0.07	$ 0.07	$ 0.06	$ 0.06	$ 0.07	$ (0.07)	$ 0.18	$ 0.12	$ 0.31
Diluted earnings (loss) per common share	(0.05)	0.08	0.07	0.07	0.06	0.06	0.07	(0.07)	0.18	0.12	0.31
Cash dividends declared per common share	$ 0.015	$ 0.015	$ 0.015	$ 0.015	$ 0.015	$ 0.015	$ 0.010	$ 0.010	$ 0.06	$ 0.05	$ 0.04