Farmers Capital Bank (FFKT) 10-Q 8 Aug 16 2016 Q2 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	6 Months Ended
	Jun. 30, 2016	Aug. 04, 2016
Document Information [Line Items]
Entity Registrant Name	FARMERS CAPITAL BANK CORP
Entity Central Index Key	713,095
Trading Symbol	ffkt
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Well-known Seasoned Issuer	No
Entity Common Stock, Shares Outstanding (in shares)		7,505,228
Document Type	10-Q
Document Period End Date	Jun. 30, 2016
Document Fiscal Year Focus	2,016
Document Fiscal Period Focus	Q2
Amendment Flag	false

Unaudited Condensed Consolidate

Unaudited Condensed Consolidated Balance Sheets - USD ($)	Jun. 30, 2016	Dec. 31, 2015
Cash and cash equivalents:
Cash and due from banks	$ 19,473,000	$ 28,392,000
Interest bearing deposits in other banks	72,761,000	74,758,000
Federal funds sold and securities purchased under agreements to resell	2,770,000	6,343,000
Money market mutual funds	17,007,000	11,000,000
Total cash and cash equivalents	112,011,000	120,493,000
Investment securities:
Available for sale, amortized cost of $568,884 (2016) and $577,248 (2015)	580,447,000	582,202,000
Held to maturity, fair value of $3,831 (2016) and $3,809 (2015)	3,585,000	3,611,000
Total investment securities	584,032,000	585,813,000
Loans, net of unearned income	957,426,000	959,275,000
Allowance for loan losses	(9,485,000)	(10,315,000)
Loans, net	947,941,000	948,960,000
Premises and equipment, net	32,426,000	33,112,000
Company-owned life insurance	30,461,000	30,269,000
Other real estate owned	16,933,000	21,843,000
Other assets	31,179,000	35,460,000
Total assets	1,754,983,000	1,775,950,000
Deposits:
Noninterest bearing	320,306,000	313,969,000
Interest bearing	1,033,139,000	1,055,025,000
Total deposits	1,353,445,000	1,368,994,000
Federal funds purchased and other short-term borrowings	31,581,000	34,353,000
Securities sold under agreements to repurchase and other long-term borrowings	120,006,000	120,280,000
Subordinated notes payable to unconsolidated trusts	33,506,000	48,970,000
Cash dividends payable, common stock	525,000	0
Other liabilities	27,094,000	27,655,000
Total liabilities	1,566,157,000	1,600,252,000
Shareholders’ Equity
Common stock, par value $.125 per share 14,608,000 shares authorized; 7,504,358 and 7,499,748 shares issued and outstanding at June 30, 2016 and December 31, 2015, respectively	938,000	937,000
Capital surplus	51,734,000	51,608,000
Retained earnings	129,057,000	120,371,000
Accumulated other comprehensive income	7,097,000	2,782,000
Total shareholders’ equity	188,826,000	175,698,000
Total liabilities and shareholders’ equity	$ 1,754,983,000	$ 1,775,950,000

Unaudited Condensed Consolidat3

Unaudited Condensed Consolidated Balance Sheets (Parentheticals) - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015
Available for sale, amortized cost	$ 568,884	$ 577,248
Held to maturity, fair value	$ 3,831	$ 3,809
Common stock, par value (in dollars per share)	$ 0.125	$ 0.125
Common stock, shares authorized (in shares)	14,608,000	14,608,000
Common stock, shares issued (in shares)	7,504,358	7,499,748
Common stock, shares outstanding (in shares)	7,504,358	7,499,748

Unaudited Condensed Consolidat4

Unaudited Condensed Consolidated Statements of Income - USD ($) shares in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Interest Income
Interest and fees on loans	$ 11,836,000	$ 12,371,000	$ 23,926,000	$ 24,087,000
Interest on investment securities:
Taxable	2,429,000	2,641,000	4,936,000	5,436,000
Nontaxable	606,000	665,000	1,236,000	1,321,000
Interest on deposits in other banks	93,000	41,000	188,000	91,000
Interest on federal funds sold, securities purchased under agreements to resell, and money market mutual funds	9,000	3,000	17,000	6,000
Total interest income	14,973,000	15,721,000	30,303,000	30,941,000
Interest Expense
Interest on deposits	599,000	737,000	1,245,000	1,558,000
Interest on federal funds purchased and other short-term borrowings	22,000	10,000	46,000	20,000
Interest on securities sold under agreements to repurchase and other long-term borrowings	1,184,000	1,187,000	2,370,000	2,363,000
Interest on subordinated notes payable to unconsolidated trusts	170,000	214,000	357,000	424,000
Total interest expense	1,975,000	2,148,000	4,018,000	4,365,000
Net interest income	12,998,000	13,573,000	26,285,000	26,576,000
Provision for loan losses	(156,000)	(264,000)	(629,000)	(1,809,000)
Net interest income after provision for loan losses	13,154,000	13,837,000	26,914,000	28,385,000
Noninterest Income
Service charges and fees on deposits	1,927,000	1,907,000	3,794,000	3,679,000
Allotment processing fees	820,000	1,102,000	1,694,000	2,292,000
Other service charges, commissions, and fees	1,432,000	1,347,000	2,714,000	2,614,000
Trust income	665,000	583,000	1,319,000	1,154,000
Investment securities gains, net	131,000	45,000	214,000	165,000
Gains on sale of mortgage loans, net	222,000	173,000	422,000	338,000
Income from company-owned life insurance	231,000	227,000	556,000	468,000
Gain on debt extinguishment	0	0	4,050,000	0
Other	93,000	124,000	300,000	239,000
Total noninterest income	5,521,000	5,508,000	15,063,000	10,949,000
Noninterest Expense
Salaries and employee benefits	7,655,000	7,852,000	15,634,000	16,172,000
Occupancy expenses, net	1,179,000	1,219,000	2,369,000	2,446,000
Equipment expenses	682,000	609,000	1,311,000	1,227,000
Data processing and communication expenses	1,281,000	1,074,000	2,401,000	2,129,000
Bank franchise tax	611,000	607,000	1,210,000	1,212,000
Amortization of intangibles	0	113,000	0	225,000
Deposit insurance expense	280,000	404,000	578,000	804,000
Other real estate expenses, net	373,000	726,000	1,012,000	771,000
Legal expenses	102,000	189,000	269,000	401,000
Other	1,721,000	1,681,000	3,507,000	3,597,000
Total noninterest expense	13,884,000	14,474,000	28,291,000	28,984,000
Income before income taxes	4,791,000	4,871,000	13,686,000	10,350,000
Income tax expense	1,235,000	1,369,000	3,950,000	2,774,000
Net income	3,556,000	3,502,000	9,736,000	7,576,000
Less preferred stock dividends	0	170,000	0	395,000
Net income available to common shareholders	$ 3,556,000	$ 3,332,000	$ 9,736,000	$ 7,181,000
Per Common Share
Net income – basic and diluted (in dollars per share)	$ 0.47	$ 0.44	$ 1.30	$ 0.96
Cash dividends declared - common, per share (in dollars per share)	$ 0.07		$ 0.14
Weighted Average Common Shares Outstanding
Basic and diluted (in shares)	7,502	7,492	7,501	7,491

Unaudited Condensed Consolidat5

Unaudited Condensed Consolidated Statements of Comprehensive Income - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Net income	$ 3,556,000	$ 3,502,000	$ 9,736,000	$ 7,576,000
Other comprehensive income (loss):
Unrealized holding gain (loss) on available for sale securities arising during the period on securities held at end of period, net of tax of $961, $(1,634), $2,383 and $(613), respectively	1,784,000	(3,035,000)	4,426,000	(1,138,000)
Reclassification adjustment for prior period unrealized gain previously reported in other comprehensive income recognized during current period, net of tax of $65, $17, $70 and $54, respectively	(120,000)	(31,000)	(129,000)	(101,000)
Change in unfunded portion of postretirement benefit obligation, net of tax of $5, $8, $10 and $(657), respectively	9,000	15,000	18,000	(1,221,000)
Other comprehensive income (loss)	1,673,000	(3,051,000)	4,315,000	(2,460,000)
Comprehensive income	$ 5,229,000	$ 451,000	$ 14,051,000	$ 5,116,000

Unaudited Condensed Consolidat6

Unaudited Condensed Consolidated Statements of Comprehensive Income (Parentheticals) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Unrealized holding gain on available for sale securities arising during the period on securities held at end of period, tax	$ 961	$ (1,634)	$ 2,383	$ (613)
Reclassification adjustment for prior period unrealized gain previoously reported in other comprehensive income recognized during current period, tax	65	17	70	54
Change in unfunded portion of postretirement benefit obligation, tax	$ 5	$ 8	$ 10	$ (657)

Unaudited Condensed Consolidat7

Unaudited Condensed Consolidated Statements of Changes in Shareholders' Equity - USD ($) shares in Thousands	Preferred Stock [Member]	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Total
Balance (in shares) at Dec. 31, 2014		7,489
Balance at Dec. 31, 2014	$ 10,000,000	$ 936,000	$ 51,344,000	$ 105,774,000	$ 4,875,000	$ 172,929,000
Net income				7,576,000		7,576,000
Other comprehensive income					(2,460,000)	(2,460,000)
Shares issued under director compensation plan (in shares)		2
Shares issued under director compensation plan			45,000			45,000
Shares issued pursuant to employee stock purchase plan (in shares)		4
Shares issued pursuant to employee stock purchase plan		$ 1,000	65,000			66,000
Expense related to employee stock purchase plan			16,000			16,000
Balance (in shares) at Jun. 30, 2015		7,495
Balance at Jun. 30, 2015		$ 937,000	51,470,000	112,955,000	2,415,000	167,777,000
Cash dividends declared – preferred				(395,000)		(395,000)
Redemption of preferred stock	$ (10,000,000)					(10,000,000)
Balance (in shares) at Dec. 31, 2015		7,500
Balance at Dec. 31, 2015		$ 937,000	51,608,000	120,371,000	2,782,000	175,698,000
Net income				9,736,000		9,736,000
Other comprehensive income					4,315,000	4,315,000
Cash dividends declared – common				(1,050,000)		(1,050,000)
Shares issued under director compensation plan (in shares)		1
Shares issued under director compensation plan			36,000			36,000
Shares issued pursuant to employee stock purchase plan (in shares)		3
Shares issued pursuant to employee stock purchase plan		$ 1,000	73,000			74,000
Expense related to employee stock purchase plan			17,000			17,000
Balance (in shares) at Jun. 30, 2016		7,504
Balance at Jun. 30, 2016		$ 938,000	$ 51,734,000	$ 129,057,000	$ 7,097,000	$ 188,826,000

Unaudited Condensed Consolidat8

Unaudited Condensed Consolidated Statements of Changes in Shareholders' Equity (Parentheticals) - $ / shares	6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015
Retained Earnings [Member]
Cash dividends declared - common, per share (in dollars per share)	$ 0.14
Cash dividends declared - preferred, per share (in dollars per share)		$ 40
Cash dividends declared - common, per share (in dollars per share)	$ 0.14

Unaudited Condensed Consolidat9

Unaudited Condensed Consolidated Statements of Cash Flows - USD ($)	6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015
Available-for-sale Securities [Member]
Net premium amortization of investment securities:
Net premium amortization of investment securities	$ 1,958,000	$ 2,170,000
Held-to-maturity Securities [Member]
Net premium amortization of investment securities:
Net premium amortization of investment securities	26,000	25,000
Employee Stock Purchase Plan Expense [Member]
Net premium amortization of investment securities:
Noncash compensation expense	17,000	16,000
Director Fee Compensation [Member]
Net premium amortization of investment securities:
Noncash compensation expense	36,000	45,000
Common Stock [Member]
Supplemental Disclosures
Cash dividends payable, common stock	525,000	0
Net income	9,736,000	7,576,000
Depreciation and amortization	1,800,000	2,010,000
Provision for loan losses	(629,000)	(1,809,000)
Deferred income tax expense	(209,000)	88,000
Mortgage loans originated for sale	(16,522,000)	(13,484,000)
Proceeds from sale of mortgage loans	17,078,000	13,511,000
Gain on sale of mortgage loans, net	(422,000)	(338,000)
Loss on disposal of premises and equipment, net	2,000	15,000
Net loss on sale and write downs of other real estate	857,000	557,000
Gain on debt extinguishment	(4,050,000)	0
Net gain on sale of available for sale investment securities	(214,000)	(165,000)
Increase in cash surrender value of company-owned life insurance	(452,000)	(446,000)
Death benefits in excess of cash surrender value on company-owned life insurance	(81,000)	0
Decrease in accrued interest receivable	422,000	215,000
Decrease in other assets	1,290,000	2,498,000
Decrease in accrued interest payable	(48,000)	(47,000)
(Increase) decrease in other liabilities	(277,000)	5,000
Net cash provided by operating activities	10,318,000	12,442,000
Proceeds from maturities and calls of available for sale investment securities	76,407,000	65,795,000
Proceeds from sale of available for sale investment securities	51,184,000	12,406,000
Purchase of available for sale investment securities	(120,970,000)	(74,020,000)
Purchase of restricted stock investments, net	(472,000)	0
Loans originated for investment less than principal collected, net	2,723,000	3,819,000
Purchase of loans	(1,244,000)	(6,062,000)
Principal collected on purchased loans	1,755,000	1,097,000
Proceeds from death benefits of company-owned life insurance	341,000	0
Purchase of premises and equipment	(1,005,000)	(941,000)
Proceeds from sale of other real estate	2,477,000	5,406,000
Net cash provided by investing activities	11,196,000	7,500,000
Net decrease in deposits	(15,549,000)	(27,987,000)
Net decrease in federal funds purchased and other short-term borrowings	(2,772,000)	(1,231,000)
Proceeds from securities sold under agreements to repurchase and other long-term borrowings	6,000	504,000
Repayments of securities sold under agreements to repurchase and other long-term borrowings	(280,000)	(78,000)
Cash paid to extinguish long-term debt	(10,950,000)	0
Dividends paid, common stock	(525,000)	0
Redemption of preferred stock	0	(10,000,000)
Dividends paid, preferred stock	0	(508,000)
Shares issued under employee stock purchase plan	74,000	66,000
Net cash used in financing activities	(29,996,000)	(39,234,000)
Net decrease in cash and cash equivalents	(8,482,000)	(19,292,000)
Cash and cash equivalents at beginning of year	120,493,000	100,914,000
Cash and cash equivalents at end of period	112,011,000	81,622,000
Interest	4,066,000	4,412,000
Income taxes	1,750,000	468,000
Transfers from loans to other real estate	1,330,000	393,000
Sale and financing of other real estate	3,050,000	258,000
Cash dividends payable, common stock	525,000
Cancelation of investment in Farmers Capital Bank Trust II	464,000	0
Extinguishment of subordinated notes payable to Farmers Capital Bank Trust II	$ 15,464,000	$ 0

Note 1 - Basis of Presentation

Note 1 - Basis of Presentation and Nature of Operations	6 Months Ended
	Jun. 30, 2016
Notes to Financial Statements
Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block]	1. Basis of Presentation and Nature of Operations The condensed consolidated financial statements include the accounts of Farmers Capital Bank Corporation (the “Company” or “Parent Company”), a bank holding company, and its bank and nonbank subsidiaries. Bank subsidiaries include Farmers Bank & Capital Trust Company (“Farmers Bank”) in Frankfort, KY, United Bank & Trust Company (“United Bank”) in Versailles, KY, First Citizens Bank, Inc. (“First Citizens”) in Elizabethtown, KY, and Citizens Bank of Northern Kentucky, Inc. (“Citizens Northern”) in Newport, KY. Farmers Bank’s significant subsidiaries include EG Properties, Inc. and Farmers Capital Insurance Corporation (“Farmers Insurance”). EG Properties, Inc. is involved in real estate management and liquidation for certain repossessed properties of Farmers Bank. Farmers Insurance is an insurance agency in Frankfort, KY. United Bank has one wholly-owned subsidiary, EGT Properties, Inc. EGT Properties, Inc. is involved in real estate management and liquidation for certain repossessed properties of United Bank. First Citizens has one wholly-owned subsidiary, HBJ Properties, LLC. HBJ Properties, LLC is involved in real estate management and liquidation for certain repossessed properties of First Citizens. Citizens Northern has one wholly-owned subsidiary, ENKY Properties, Inc. ENKY Properties, Inc. is involved in real estate management and liquidation for certain repossessed properties of Citizens Northern. The Company has two active nonbank subsidiaries, FCB Services, Inc. (“FCB Services”), and FFKT Insurance Services, Inc. (“FFKT Insurance”). FCB Services is a data processing subsidiary located in Frankfort, KY that provides services to the Company’s banks as well as unaffiliated entities. FFKT Insurance is a captive property and casualty insurance company insuring primarily deductible exposures and uncovered liability related to properties of the Company. The Company has two subsidiaries organized as Delaware statutory trusts that are not consolidated into its financial statements. These trusts were formed for the purpose of issuing trust preferred securities. The Company provides financial services at its 34 locations in 21 communities throughout Central and Northern Kentucky to individual, business, agriculture, government, and educational customers. Its primary deposit products are checking, savings, and term certificate accounts. Its primary lending products are residential mortgage, commercial lending, and consumer installment loans. Substantially all loans are secured by specific items of collateral including business assets, consumer assets, and commercial and residential real estate. Commercial loans are expected to be repaid from cash flow from operations of businesses. Other services include, but are not limited to, cash management services, issuing letters of credit, safe deposit box rental, and providing funds transfer services. Other financial instruments, which potentially represent concentrations of credit risk, include deposit accounts in other financial institutions and federal funds sold. The preparation of financial statements in conformity with accounting principles generally accepted in the United States (“U.S. GAAP”) requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Estimates used in the preparation of the condensed financial statements are based on various factors including the current interest rate environment and the general strength of the local and state economy. Changes in the overall interest rate environment can significantly affect the Company’s net interest income and the value of its recorded assets and liabilities. Actual results could differ from those estimates used in the preparation of the condensed financial statements. The allowance for loan losses, carrying value of other real estate owned, actuarial assumptions used to calculate postretirement benefits, and the fair values of financial instruments are estimates that are particularly subject to change. The consolidated balance sheet as of December 31, 2015 has been derived from the audited financial statements of the Company as of that date. For further information, refer to the consolidated financial statements and footnotes thereto for the year ended December 31, 2015 included in the Company’s annual report on Form 10-K. The accompanying condensed consolidated financial statements have been prepared in accordance with the instructions to Form 10-Q and Rule 10-01 of Regulation S-X and do not include all of the information and the footnotes required by U.S. GAAP for complete statements. In the opinion of management, all adjustments, consisting of normal recurring adjustments, necessary for a fair presentation of such condensed financial statements, have been included. The results of operations for the interim periods are not necessarily indicative of the results to be expected for the full year. All significant intercompany transactions and balances are eliminated in consolidation.

Note 2 - Reclassifications

Note 2 - Reclassifications	6 Months Ended
	Jun. 30, 2016
Notes to Financial Statements
Reclassifications [Text Block]	2 . Reclassifications Certain reclassifications have been made to the consolidated financial statements of prior periods to conform to the current period presentation. These reclassifications do not affect net income or total shareholders’ equity as previously reported.

Note 3 - Accumulated Other Comp

Note 3 - Accumulated Other Comprehensive Income	6 Months Ended
	Jun. 30, 2016
Notes to Financial Statements
Comprehensive Income (Loss) Note [Text Block]	3 . Accumulated Other Comprehensive Income The following table presents changes in accumulated other comprehensive income by component, net of tax, for the periods indicated. Three months ended June 30, 2016 2015 (In thousands) Unrealized Gains and Losses on Available for Sale Investment Securities Postretirement Benefit Obligation Total Unrealized Gains and Losses on Available for Sale Investment Securities Postretirement Benefit Obligation Total Beginning balance $ 5,852 $ (428 ) $ 5,424 $ 7,001 $ (1,535 ) $ 5,466 Other comprehensive income (loss) before reclassifications 1,784 - 1,784 (3,035 ) - (3,035 ) Amounts reclassified from accumulated other comprehensive income (120 ) 9 (111 ) (31 ) 15 (16 ) Net current-period other comprehensive income (loss) 1,664 9 1,673 (3,066 ) 15 (3,051 ) Ending balance $ 7,516 $ (419 ) $ 7,097 $ 3,935 $ (1,520 ) $ 2,415 Six months ended June 30, 2016 2015 (In thousands) Unrealized Gains and Losses on Available for Sale Investment Securities Postretirement Benefit Obligation Total Unrealized Gains and Losses on Available for Sale Investment Securities Postretirement Benefit Obligation Total Beginning balance $ 3,219 $ (437 ) $ 2,782 $ 5,174 $ (299 ) $ 4,875 Other comprehensive income (loss) before reclassifications 4,426 - 4,426 (1,138 ) (1,251 ) (2,389 ) Amounts reclassified from accumulated other comprehensive income (129 ) 18 (111 ) (101 ) 30 (71 ) Net current-period other comprehensive income (loss) 4,297 18 4,315 (1,239 ) (1,221 ) (2,460 ) Ending balance $ 7,516 $ (419 ) $ 7,097 $ 3,935 $ (1,520 ) $ 2,415 The following table presents amounts reclassified out of accumulated other comprehensive income by component for the period indicated. Line items in the statement of income affected by the reclassification are also presented. Amount Reclassified from Accumulated Other Comprehensive Income Affected Line Item in the Statement Where Net Income is Presented Three months ended Six months ended (In thousands) 2016 2015 2016 2015 Unrealized gains on available for sale investment securities $ 185 $ 48 $ 199 $ 155 Investment securities gains, net (65 ) (17 ) (70 ) (54 ) Income tax expense $ 120 $ 31 $ 129 $ 101 Net of tax Amortization related to postretirement benefits Prior service costs $ (12 ) $ (12 ) $ (25 ) $ (25 ) Salaries and employee benefits Actuarial losses (2 ) (11 ) (3 ) (21 ) Salaries and employee benefits (14 ) (23 ) (28 ) (46 ) Total before tax 5 8 10 16 Income tax benefit $ (9 ) $ (15 ) $ (18 ) $ (30 ) Net of tax Total reclassifications for the period $ 111 $ 16 $ 111 $ 71 Net of tax

Note 4 - Accounting Policy

Note 4 - Accounting Policy	6 Months Ended
	Jun. 30, 2016
Notes to Financial Statements
Significant Accounting Policies [Text Block]	4 . Accounting Policy Loans and Interest Income Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off are reported at their unpaid principal amount outstanding adjusted for any charge-offs and deferred fees or costs on originated loans. Interest income on loans is recognized using the interest method based on loan principal amounts outstanding during the period. Interest income also includes amortization and accretion of any premiums or discounts over the expected life of acquired loans at the time of purchase or business acquisition. Loan origination fees, net of certain direct origination costs, are deferred and amortized as yield adjustments over the contractual term of the loans. The Company disaggregates certain disclosure information related to loans, the related allowance for loan losses, and credit quality measures by either portfolio segment or by loan class. The Company segregates its loan portfolio segments based on similar risk characteristics as follows: real estate loans, commercial loans, and consumer loans. Portfolio segments are further disaggregated into classes for certain required disclosures as follows: Portfolio Segment Class Real estate loans Real estate mortgage – construction and land development Real estate mortgage – residential Real estate mortgage – farmland and other commercial enterprises Commercial loans Commercial and industrial Depository institutions Agriculture production and other loans to farmers States and political subdivisions Other Consumer loans Secured Unsecured The Company has a loan policy in place that is amended and approved from time to time as needed to reflect current economic conditions and product offerings in its markets. The policy establishes written procedures concerning areas such as the lending authorities of loan officers, committee review and approval of certain credit requests, underwriting criteria, policy exceptions, appraisal requirements, and loan review. Credit is extended to borrowers based primarily on their ability to repay as demonstrated by income and cash flow analysis. Loans secured by real estate make up the largest segment of the Company’s loan portfolio. If a borrower fails to repay a loan secured by real estate, the Company may liquidate the collateral in order to satisfy the amount owed. Determining the value of real estate is a key component to the lending process for real estate backed loans. If the fair value of real estate (less estimated cost to sell) securing a collateral dependent loan declines below the outstanding loan amount, the Company will write down the carrying value of the loan and thereby incur a loss. The Company uses independent third party state certified or licensed appraisers in accordance with its loan policy to mitigate risk when underwriting real estate loans. Cash flow analysis of the borrower, loan to value limits as adopted by loan policy, and other customary underwriting standards are also in place which are designed to maximize credit quality and mitigate risks associated with real estate lending. Commercial loans are made to businesses and are secured mainly by assets such as inventory, accounts receivable, machinery, fixtures and equipment, or other business assets. Commercial lending involves significant risk, as loan repayments are more dependent on the successful operation or management of the business and its cash flows. Consumer lending includes loans to individuals mainly for personal autos, boats, or a variety of other personal uses and may be secured or unsecured. Loan repayment associated with consumer loans is highly dependent upon the borrower’s continuing financial stability, which is heavily influenced by local unemployment rates. The Company mitigates its risk exposure to each of its loan segments by analyzing the borrower’s repayment capacity, imposing restrictions on the amount it will loan compared to estimated collateral values, limiting the payback periods, and following other customary underwriting practices as adopted in its loan policy. The accrual of interest on loans is discontinued when it is determined that the collection of interest or principal is doubtful, or when a default of interest or principal has existed for 90 days or more, unless such loan is well secured and in the process of collection. Past due status is based on the contractual terms of the loan. Interest accrued but not received for a loan placed on nonaccrual status is reversed against interest income. Cash payments received on nonaccrual loans generally are applied to principal until qualifying for return to accrual status. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. The Company’s policy for placing a loan on nonaccrual status or subsequently returning a loan to accrual status does not differ based on its portfolio class or segment. Commercial and real estate loans delinquent in excess of 120 days and consumer loans delinquent in excess of 180 days are charged off , unless the collateral securing the debt is of such value that any loss appears to be unlikely. In all cases, loans are charged off at an earlier date if classified as loss under the Company’s loan grading process or as a result of regulatory examination. The Company’s charge-off policy for impaired loans does not differ from the charge-off policy for loans outside the definition of impaired . Provision and Allowance for Loan Losses The provision for loan losses represents charges or credits made to earnings to maintain an allowance for loan losses at a level considered adequate to provide for probable incurred credit losses at the balance sheet date. The allowance for loan losses is a valuation allowance increased by the provision for loan losses and decreased by net charge-offs. Loan losses are charged against the allowance when management believes the uncollectibility of a loan is confirmed. Subsequent recoveries, if any, are credited to the allowance. The Company estimates the adequacy of the allowance using a risk-rated methodology which is based on the Company’s past loan loss experience, known and inherent risks in the loan portfolio, adverse situations that may affect the borrower’s ability to repay, the estimated value of any underlying collateral securing loans, composition of the loan portfolio, current economic conditions, and other relevant factors. This evaluation is inherently subjective as it requires significant judgment and the use of estimates that may be susceptible to change. The allowance for loan losses consists of specific and general components. The specific component relates to loans that are individually classified as impaired. The general component covers non-impaired loans and is based on historical loss experience adjusted for current risk factors. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management’s judgment, should be charged off. Actual loan losses could differ significantly from the amounts estimated by management. The general portion of the Company’s loan portfolio is segregated into portfolio segments having similar risk characteristics identified as follows: real estate loans, commercial loans, and consumer loans. Each of these portfolio segments is assigned a loss percentage based on their respective sixteen quarter rolling historical loss rates, adjusted for the qualitative risk factors summarized below. The qualitative risk factors used in the methodology are consistent with the guidance in the most recent Interagency Policy Statement on the Allowance for Loan Losses issued. Each factor is supported by a detailed analysis performed at each subsidiary bank and is both measureable and supportable. Some factors include a minimum allocation in some instances where loss levels are extremely low and it is determined to be prudent from a safety and soundness perspective. Qualitative risk factors that are used in the methodology include the following for each loan portfolio segment: ● Delinquency trends ● Trends in net charge-offs ● Trends in loan volume ● Lending philosophy risk ● Management experience risk ● Concentration of credit risk ● Economic conditions risk A loan is impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings and classified as impaired. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. The Company accounts for impaired loans in accordance with Accounting Standards Codification (“ASC”) Topic 310, “Receivables . ” . Loans that are part of a large group of smaller-balance homogeneous loans, such as residential mortgage , consumer, and smaller-balance commercial loans, are collectively evaluated for impairment. Troubled debt restructurings are measured at the present value of estimated future cash flows using the loan’s effective interest rate at inception, or at the fair value of collateral. The Company determines the amount of reserve for troubled debt restructurings that subsequently default in accordance with its accounting policy for the allowance for loan losses. Recently Issued Accounting Standards In March 2016, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2016-08, “Revenue from Contracts with Customers (Topic 606): Principal versus Agent Considerations (Reporting Revenue Gross versus Net) . ” “ Revenue from Contracts with Customers (Topic 606) , ” The Company does not expect there to be a material impact on its consolidated financial position, results of operations, or cash flows upon adoption. In March 2016, the FASB issued ASU No. 2016-09, “Compensation—Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting , ” This ASU simplifies several aspects of the accounting for share-based payment award transactions, including income tax consequences , classification of awards as either equity or liabilities, forfeitures, and classification on the statement of cash flows. ASU No. 2016-09 is effective for the Company in annual and interim reporting periods beginning after December 15, 2016. The Company does not expect there to be a material impact on its consolidated financial position, results of operations, or cash flows upon adoption. In April 2016, the FASB issued ASU No. 2016-10, “Revenue from Contracts with Customers (Topic 606): Identifying Performance Obligations and Licensing . ” The amendments in this ASU clarify the following two aspects of Topic 606: (a) identifying performance obligations; and (b) the licensing implementation guidance. The amendments do not change the core principle of the guidance in Topic 606. This ASU is effective for the Company in annual and interim reporting periods beginning after December 15, 2017. The Company does not expect there to be a material impact on its consolidated financial position, results of operations, or cash flows upon adoption. In May 2016, the FASB issued ASU No. 2016-12, “ Revenue from Contracts with Customers (Topic 606): Narrow-Scope Improvements and Practical Expedients ,” ASU No. 2016-12 is effective for the Company in annual and interim reporting periods beginning after December 15, 2017. The Company does not expect there to be a material impact on its consolidated financial position, results of operations, or cash flows upon adoption. In June 2016, the FASB issued ASU No. 2016-13, “ Financial Instruments—Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments , ” The ASU requires an organization to measure all expected credit losses for financial assets held at the reporting date based on historical experience, current conditions, and reasonable and supportable forecasts. The ASU requires enhanced disclosures, including qualitative and quantitative requirements , which provide additional information about the amounts recorded in the financial statements. Additionally, the ASU amends the accounting for credit losses on available-for-sale debt securities and purchased financial assets with credit deterioration. ASU No. 2016-13 is effective for the Company in annual and interim reporting periods beginning after December 15, 2019. The Company is currently evaluating the impact of ASU No. 2016-13 on its consolidated financial position, results of operations, and cash flows . Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies are not expected to have a material impact on the Company’s financial position, results of operations or cash flows.

Note 5 - Net Income Per Common

Note 5 - Net Income Per Common Share	6 Months Ended
	Jun. 30, 2016
Notes to Financial Statements
Earnings Per Share [Text Block]	5 . Net Income Per Common Share Basic net income per common share is determined by dividing net income available to common shareholders by the weighted average total number of common shares issued and outstanding. Net income available to common shareholders represents net income adjusted for preferred stock dividends including dividends declared, accretion of discounts on preferred stock issuances, and cumulative dividends related to the current dividend period that have not been declared as of the end of the period. Diluted net income per common share is determined by dividing net income available to common shareholders by the total weighted average number of common shares issued and outstanding plus amounts representing the dilutive effect of stock options outstanding. The effects of stock options outstanding are excluded from the computation of diluted earnings per common share in periods in which the effect would be antidilutive. Dilutive potential common shares are calculated using the treasury stock method. Net income per common share computations were as follows for the periods indicated: Three Months Ended June 30, Six Months Ended June 30, (In thousands, except per share data) 2016 2015 2016 2015 Net income, basic and diluted $ 3,556 $ 3,502 $ 9,736 $ 7,576 Less preferred stock dividends - 170 - 395 Net income available to common shareholders, basic and diluted $ 3,556 $ 3,332 $ 9,736 $ 7,181 Average common shares issued and outstanding, basic and diluted 7,502 7,492 7,501 7,491 Net income per common share, basic and diluted $ .47 $ .44 $ 1.30 $ .96

Note 6 - Investment Securities

Note 6 - Investment Securities	6 Months Ended
	Jun. 30, 2016
Notes to Financial Statements
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	6 . Investment Securities The following tables summarize the amortized costs and estimated fair value of the securities portfolio at June 30, 2016 and December 31, 2015. June 30, 2016 (In thousands) Amortized Gross Unrealized Gains Gross Unrealized Losses Estimated Available For Sale Obligations of U.S. government-sponsored entities $ 127,090 $ 1,098 $ 1 $ 128,187 Obligations of states and political subdivisions 129,594 3,314 25 132,883 Mortgage-backed securities – residential 279,691 7,788 88 287,391 Mortgage-backed securities – commercial 24,890 433 - 25,323 Corporate debt securities 6,815 13 963 5,865 Mutual funds and equity securities 804 8 14 798 Total securities – available for sale $ 568,884 $ 12,654 $ 1,091 $ 580,447 Held To Maturity Obligations of states and political subdivisions $ 3,585 $ 246 $ - $ 3,831 December 31, 2015 (In thousands) Amortized Gross Unrealized Gains Gross Unrealized Losses Estimated Available For Sale Obligations of U.S. government-sponsored entities $ 107,135 $ 309 $ 538 $ 106,906 Obligations of states and political subdivisions 147,875 2,604 213 150,266 Mortgage-backed securities – residential 294,140 5,210 1,489 297,861 Mortgage-backed securities – commercial 20,655 52 123 20,584 Corporate debt securities 6,629 11 800 5,840 Mutual funds and equity securities 814 - 69 745 Total securities – available for sale $ 577,248 $ 8,186 $ 3,232 $ 582,202 Held To Maturity Obligations of states and political subdivisions $ 3,611 $ 198 $ - $ 3,809 Investment securities with a carrying value of $319 million and $315 million at June 30, 2016 and December 31, 2015, respectively, were pledged to secure public and trust deposits, repurchase agreements, and for other purposes. The amortized cost and estimated fair value of the debt securities portfolio at June 30, 2016, by contractual maturity, are detailed below. Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Mutual funds and equity securities in the available for sale portfolio consist of investments attributed to the Company’s captive insurance subsidiary. These securities have no stated maturity and are not included in the maturity schedule that follows. Mortgage-backed securities are stated separately due to the nature of payment and prepayment characteristics of these securities, as principal is not due at a single date. Available For Sale Held To Maturity Amortized Estimated Amortized Estimated June 30, 2016 (In thousands) Cost Fair Value Cost Fair Value Due in one year or less $ 9,601 $ 9,638 $ - $ - Due after one year through five years 164,845 166,712 - - Due after five years through ten years 69,820 72,025 640 743 Due after ten years 19,233 18,560 2,945 3,088 Mortgage-backed securities 304,581 312,714 - - Total $ 568,080 $ 579,649 $ 3,585 $ 3,831 Gross realized gains and losses on the sale of available for sale investment securities were as follows: Three Months Ended Six Months Ended June 30 , June 30, (In thousands) 2016 2015 2016 2015 Gross realized gains $ 190 $ 50 $ 352 $ 180 Gross realized losses 59 5 138 15 Net realized gain $ 131 $ 45 $ 214 $ 165 Investment securities with unrealized losses at June 30, 2016 and December 31, 2015 not recognized in income are presented in the tables below. The tables segregate investment securities that have been in a continuous unrealized loss position for less than twelve months from those that have been in a continuous unrealized loss position for twelve months or more. The tables also include the fair value of the related securities. Less than 12 Months 12 Months or More Total June 30, 2016 (In thousands) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses Obligations of U.S. government-sponsored entities $ 3,411 $ 1 $ - $ - $ 3,411 $ 1 Obligations of states and political subdivisions 11,971 22 1,681 3 13,652 25 Mortgage-backed securities – residential 3,390 7 7,100 81 10,490 88 Corporate debt securities - - 4,940 963 4,940 963 Mutual funds and equity securities 126 4 193 10 319 14 Total $ 18,898 $ 34 $ 13,914 $ 1,057 $ 32,812 $ 1,091 Less than 12 Months 12 Months or More Total December 31, 2015 (In thousands) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses Obligations of U.S. government-sponsored entities $ 57,927 $ 275 $ 21,576 $ 263 $ 79,503 $ 538 Obligations of states and political subdivisions 30,426 123 8,276 90 38,702 213 Mortgage-backed securities – residential 118,978 851 21,723 638 140,701 1,489 Mortgage-backed securities – commercial 10,882 123 - - 10,882 123 Corporate debt securities 204 6 5,155 794 5,359 800 Mutual funds and equity securities 481 21 264 48 745 69 Total $ 218,898 $ 1,399 $ 56,994 $ 1,833 $ 275,892 $ 3,232 Unrealized losses included in the tables above have not been recognized in income since they have been identified as temporary. The Company evaluates investment securities for other-than-temporary impairment (“OTTI”) at least quarterly, and more frequently when economic or market conditions warrant. Many factors are considered, including: (1) the length of time and the extent to which the fair value has been less than cost, ( 2) the financial condition and near-term prospects of the issuer, ( 3) whether the market decline was effected by macroeconomic conditions, and ( 4) whether the Company has the intent to sell the security or more likely than not will be required to sell the security before its anticipated recovery. The assessment of whether an OTTI charge exists involves a high degree of subjectivity and judgment and is based on the information available to the Company at a point in time. Corporate debt securities in the Company’s investment securities portfolio at June 30, 2016 include single-issuer trust preferred capital securities with an unrealized loss of $963 thousand and a carrying value of $4.9 million. At year-end 2015, these securities had an unrealized loss of $793 thousand. These securities were issued by a national and global financial services firm and purchased by the Company during 2007. The securities are currently performing and continue to be rated as investment grade by major rating agencies. The issuer of the securities announced in the first quarter of 2016 an increase in their common equity repurchase plan. The Company does not intend to sell these securities nor does the Company believe it is likely that it will be required to sell these securities prior to their anticipated recovery. The Company believes these securities are not impaired due to reasons of credit quality or other factors, but rather the unrealized loss is primarily attributed to continuing uncertainties in international economies and market volatility. The Company believes that it will collect all amounts due according to the contractual terms of these securities and that the fair values of these securities will continue to recover as they approach their maturity dates. The Company attributes the unrealized losses in other sectors of its investment securities portfolio to changes in market interest rates and volatility. Investment securities with unrealized losses at June 30, 2016 are performing according to their contractual terms, and the Company does not expect to incur a loss on these securities unless they are sold prior to maturity. The Company does not have the intent to sell these securities nor does it believe it is likely that it will be required to sell these securities prior to their anticipated recovery. The Company does not consider any of the securities to be impaired due to reasons of credit quality or other factors.

Note 7 - Loans and Allowance fo

Note 7 - Loans and Allowance for Loan Losses	6 Months Ended
	Jun. 30, 2016
Notes to Financial Statements
Financing Receivables [Text Block]	7. Loans and Allowance for Loan Losses Major classifications of loans outstanding are summarized as follows: (In thousands) June 30, December 31, Real Estate Real estate mortgage – construction and land development $ 109,403 $ 115,516 Real estate mortgage – residential 346,288 355,134 Real estate mortgage – farmland and other commercial enterprises 402,692 386,386 Commercial Commercial and industrial 46,689 48,379 States and political subdivisions 20,215 17,643 Other 22,501 23,798 Consumer Secured 4,557 6,665 Unsecured 5,081 5,754 Total loans 957,426 959,275 Less unearned income - - Total loans, net of unearned income $ 957,426 $ 959,275 Activity in the allowance for loan losses by portfolio segment was as follows for the periods indicated: (In thousands) Real Estate Commercial Consumer Total Three months ended June 30, 201 6 Balance, beginning of period $ 8,709 $ 839 $ 280 $ 9,828 Provision for loan losses (147 ) (4 ) (5 ) (156 ) Recoveries 50 19 11 80 Loans charged off (208 ) (48 ) (11 ) (267 ) Balance, end of period $ 8,404 $ 806 $ 275 $ 9,485 Six months ended June 30, 201 6 Balance, beginning of period $ 9,173 $ 820 $ 322 $ 10,315 Provision for loan losses (600 ) (10 ) (19 ) (629 ) Recoveries 102 55 43 200 Loans charged off (271 ) (59 ) (71 ) (401 ) Balance, end of period $ 8,404 $ 806 $ 275 $ 9,485 (In thousands) Real Estate Commercial Consumer Total Three months ended June 30, 201 5 Balance, beginning of period $ 11,522 $ 866 $ 218 $ 12,606 Provision for loan losses (576 ) 189 123 (264 ) Recoveries 52 15 26 93 Loans charged off (192 ) (13 ) (31 ) (236 ) Balance, end of period $ 10,806 $ 1,057 $ 336 $ 12,199 Six months ended June 30, 201 5 Balance, beginning of period $ 12,542 $ 1,153 $ 273 $ 13,968 Provision for loan losses (1,787 ) (101 ) 79 (1,809 ) Recoveries 338 31 63 432 Loans charged off (287 ) (26 ) (79 ) (392 ) Balance, end of period $ 10,806 $ 1,057 $ 336 $ 12,199 The following tables present individually impaired loans by class of loans for the dates indicated. Unpaid Balance Recorded With No Allowance Recorded With Allowance Total Recorded Investment Allowance for Real Estate Real estate mortgage – construction and land development $ 9,602 $ 3,090 $ 3,849 $ 6,939 $ 598 Real estate mortgage – residential 9,032 3,347 5,716 9,063 1,500 Real estate mortgage – farmland and other commercial enterprises 26,838 10,879 15,855 26,734 454 Commercial Commercial and industrial 411 22 389 411 211 Consumer Unsecured 151 - 151 151 151 Total $ 46,034 $ 17,338 $ 25,960 $ 43,298 $ 2,914 Unpaid Balance Recorded Recorded Total Recorded Investment Allowance for Real Estate Real estate mortgage – construction and land development $ 9,932 $ 3,875 $ 3,372 $ 7,247 $ 556 Real estate mortgage – residential 8,655 2,502 6,024 8,526 1,278 Real estate mortgage – farmland and other commercial enterprises 20,980 4,149 16,703 20,852 681 Commercial Commercial and industrial 399 - 400 400 223 Consumer Unsecured 156 - 157 157 156 Total $ 40,122 $ 10,526 $ 26,656 $ 37,182 $ 2,894 Three Months Ended June 30, 2016 2015 (In thousands) Average Interest Income Recognized Cash Basis Interest Recognized Average Interest Income Recognized Cash Basis Interest Recognized Real Estate Real estate mortgage – construction and land development $ 8,832 $ 108 $ 96 $ 10,388 $ 135 $ 131 Real estate mortgage – residential 8,619 109 88 10,739 134 122 Real estate mortgage – farmland and other commercial enterprises 26,985 368 353 22,426 245 242 Commercial Commercial and industrial 410 7 7 805 5 5 Consumer Unsecured 150 1 1 167 2 2 Total $ 44,996 $ 593 $ 545 $ 44,525 $ 521 $ 502 Six Months Ended June 30, 2016 2015 (In thousands) Average Interest Income Recognized Cash Basis Interest Recognized Average Interest Income Recognized Cash Basis Interest Recognized Real Estate Real estate mortgage – construction and land development $ 8,562 $ 155 $ 143 $ 10,754 $ 216 $ 211 Real estate mortgage – residential 8,827 212 187 10,597 255 243 Real estate mortgage – farmland and other commercial enterprises 25,388 637 616 23,913 525 519 Commercial Commercial and industrial 415 11 11 621 6 6 Consumer Unsecured 153 3 2 96 2 2 Total $ 43,345 $ 1,018 $ 959 $ 45,981 $ 1,004 $ 981 The following tables present the balance of the allowance for loan losses and the recorded investment in loans by portfolio segment based on impairment method as of June 30, 2016 and December 31, 2015. June 30, 2016 (In thousands) Real Estate Commercial Consumer Total Allowance for Loan Losses Ending allowance balance attributable to loans: Individually evaluated for impairment $ 2,552 $ 211 $ 151 $ 2,914 Collectively evaluated for impairment 5,852 595 124 6,571 Total ending allowance balance $ 8,404 $ 806 $ 275 $ 9,485 Loans Loans individually evaluated for impairment $ 42,736 $ 411 $ 151 $ 43,298 Loans collectively evaluated for impairment 815,647 88,994 9,487 914,128 Total ending loan balance, net of unearned income $ 858,383 $ 89,405 $ 9,638 $ 957,426 December 31, 2015 (In thousands) Real Estate Commercial Consumer Total Allowance for Loan Losses Ending allowance balance attributable to loans: Individually evaluated for impairment $ 2,515 $ 223 $ 156 $ 2,894 Collectively evaluated for impairment 6,658 597 166 7,421 Total ending allowance balance $ 9,173 $ 820 $ 322 $ 10,315 Loans Loans individually evaluated for impairment $ 36,625 $ 400 $ 157 $ 37,182 Loans collectively evaluated for impairment 820,411 89,420 12,262 922,093 Total ending loan balance, net of unearned income $ 857,036 $ 89,820 $ 12,419 $ 959,275 The following tables present the recorded investment in nonperforming loans by class of loans as of June 30, 2016 and December 31, 2015. June 30, 2016 (In thousands) Nonaccrual Restructured Loans Loans Past Due 90 Days or More and Still Accruing Real Estate Real estate mortgage – construction and land development $ 1,023 $ 3,660 $ - Real estate mortgage – residential 2,268 4,073 - Real estate mortgage – farmland and other commercial enterprises 3,034 15,192 - Commercial Commercial and industrial 59 380 - Other 6 - - Consumer Secured 7 - - Unsecured - 139 2 Total $ 6,397 $ 23,444 $ 2 December 31, 2015 (In thousands) Nonaccrual Restructured Loans Loans Past Due 90 Days or More and Still Accruing Real Estate Real estate mortgage – construction and land development $ 1,567 $ 3,674 $ - Real estate mortgage – residential 2,485 4,127 - Real estate mortgage – farmland and other commercial enterprises 4,266 15,503 - Commercial Commercial and industrial 44 384 - Other 8 - - Consumer 10 - - Unsecured - 143 - Total $ 8,380 $ 23,831 $ - The Company has allocated $1.8 million and $1.9 million of specific reserves to customers whose loan terms have been modified in troubled debt restructurings and that are in compliance with those terms as of June 30, 2016 and December 31, 2015, respectively. The Company had no commitments to lend additional amounts to customers with outstanding loans that are classified as troubled debt restructurings at June 30, 2016 and December 31, 2015. There were no loans modified as troubled debt restructurings during 2016. The Company had three credits modified as troubled debt restructurings during 2015. Additionally, troubled debt restructurings increased during the first quarter of 2015 as a result of the purchase of a previously-participated portion of a loan to a nonaffiliated bank. This loan was participated prior to it being restructured. The purchase price paid represented a discount of $482 thousand or 15% of the purchased principal amount. The loan is performing under the terms of the restructuring and the borrower’s financial position has steadily improved. Accretion of the discount was recognized over the contractual life of the loan, which ended in June 2015. There is no further accretion to be recognized. The total outstanding balance related to this credit, which was renewed during June 2015, was $11.1 million at June 30, 2016. This represents 47.4% of the Company’s total restructured loans and is the largest such individual credit. This credit was restructured in 2012 following an interest rate concession and extended amortization term. The following table presents loans by class modified as troubled debt restructurings that occurred during the three and six months ended June 30, 2015 . There were none during 2016. (Dollars in thousands) Troubled Debt Restructurings: Number of Loans Pre-Modification Post-Modification Three Months Ended June 30, 201 5 Commercial: Commercial and industrial 2 $ 388 $ 388 Consumer: Secured 1 145 145 Total 3 $ 533 $ 533 Six Months Ended June 30, 201 5 Commercial: Commercial and industrial 2 $ 388 $ 388 Consumer: Secured 1 145 145 Total 3 $ 533 $ 533 The troubled debt restructurings identified above increased the allowance for loan losses by $356 thousand in the three and six months periods ended June 30, 2015. There were no charge-offs related to these loans. There were no payment defaults during the first six months of 2016 or 2015 for credits that were restructured during the previous twelve months. The tables below present an age analysis of past due loans 30 days or more by class of loans as of the dates indicated. Past due loans that are also classified as nonaccrual are included in their respective past due category . June 30, 2016 (In thousands) 30-89 Days Past Due 90 Days or More Past Due Total Current Total Loans Real Estate Real estate mortgage – construction and land development $ - $ 227 $ 227 $ 109,176 $ 109,403 Real estate mortgage – residential 1,216 1,096 2,312 343,976 346,288 Real estate mortgage – farmland and other commercial enterprises 1,733 1,699 3,432 399,260 402,692 Commercial Commercial and industrial 3 59 62 46,627 46,689 States and political subdivisions - - - 20,215 20,215 Other 13 - 13 22,488 22,501 Consumer Secured 27 - 27 4,530 4,557 Unsecured 1 2 3 5,078 5,081 Total $ 2,993 $ 3,083 $ 6,076 $ 951,350 $ 957,426 December 31, 2015 (In thousands) 30-89 Days Past Due 90 Days or More Past Due Total Current Total Loans Real Estate Real estate mortgage – construction and land development $ - $ 227 $ 227 $ 115,289 $ 115,516 Real estate mortgage – residential 421 1,448 1,869 353,265 355,134 Real estate mortgage – farmland and other commercial enterprises 42 2,376 2,418 383,968 386,386 Commercial Commercial and industrial 42 43 85 48,294 48,379 States and political subdivisions - - - 17,643 17,643 Other 62 - 62 23,736 23,798 Consumer Secured 9 1 10 6,655 6,665 Unsecured 18 - 18 5,736 5,754 Total $ 594 $ 4,095 $ 4,689 $ 954,586 $ 959,275 The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends and conditions. The Company analyzes loans individually by classifying the loans as to credit risk. This analysis includes large-balance loans and non-homogeneous loans, such as commercial real estate and certain residential real estate loans. Loan rating grades, as described further below, are assigned based on a continuous process. The amount and adequacy of the allowance for loan loss is determined on a quarterly basis. The Company uses the following definitions for its risk ratings: Special Mention. Substandard. Doubtful. Loans not meeting the criteria above which are analyzed individually as part of the above described process are considered to be pass rated loans, which are considered to have a low risk of loss. Based on the most recent analysis performed, the risk category of loans by class of loans is as follows for the dates indicated. Each of the following tables excludes immaterial amounts attributed to accrued interest receivable. Real Estate Commercial June 30, 2016 Real Estate Mortgage – Construction and Land Development Real Estate Mortgage – Residential Real Estate Mortgage – Farmland and Other Commercial Enterprises Commercial and Industrial States and Political Subdivisions Other Credit risk profile by internally assigned rating grades Pass $ 100,635 $ 317,175 $ 364,031 $ 45,326 $ 20,215 $ 22,501 Special Mention 1,431 15,238 20,545 865 - - Substandard 7,337 13,875 18,116 498 - - Doubtful - - - - - - Total $ 109,403 $ 346,288 $ 402,692 $ 46,689 $ 20,215 $ 22,501 Real Estate Commercial December 31, 2015 Real Estate Mortgage – Construction and Land Development Real Estate Mortgage – Residential Real Estate Mortgage – Farmland and Other Commercial Enterprises Commercial and Industrial States and Political Subdivisions Other Credit risk profile by internally assigned rating grades Pass $ 104,383 $ 324,333 $ 343,894 $ 46,934 $ 17,643 $ 23,777 Special Mention 1,651 16,225 22,859 937 - - Substandard 9,482 14,576 19,633 508 - 21 Doubtful - - - - - - Total $ 115,516 $ 355,134 $ 386,386 $ 48,379 $ 17,643 $ 23,798 The Company considers the performance of the loan portfolio and its impact on the allowance for loan losses. For consumer loan classes, the Company evaluates credit quality based on the aging status of the loan, which was previously presented, and by payment activity. The following table presents the consumer loans outstanding based on payment activity as of June 30, 2016 and December 31, 2015. June 30, 2016 December 31, 2015 Consumer Consumer (In thousands) Secured Unsecured Secured Unsecured Credit risk profile based on payment activity Performing $ 4,550 $ 4,940 $ 6,655 $ 5,611 Nonperforming 7 141 10 143 Total $ 4,557 $ 5,081 $ 6,665 $ 5,754

Note 8 - Other Real Estate Owne

Note 8 - Other Real Estate Owned	6 Months Ended
	Jun. 30, 2016
Notes to Financial Statements
Real Estate Owned [Text Block]	8 . Other Real Estate Owned Other real estate owned (“OREO”) was as follows as of the date indicated: (In thousands) June 30, 2016 December 31, 2015 Construction and land development $ 8,315 $ 12,997 Residential real estate 873 960 Farmland and other commercial enterprises 7,745 7,886 Total $ 16,933 $ 21,843 OREO activity for the six months ended June 30, 2016 and 2015 was as follows: Six months ended June 30, (In thousands) 2016 2015 Beginning balance $ 21,843 $ 31,960 Transfers from loans and other increases 1,474 475 Proceeds from sales (5,527 ) (5,664 ) (Loss) gain on sales, net (125 ) 9 Write downs and other decreases, net (732 ) (566 ) Ending balance $ 16,933 $ 26,214 At June 30, 2016, the Company had a total of $448 thousand of loans secured by residential real estate mortgages that were in the process of foreclosure.

Note 9 - Securities Sold Under

Note 9 - Securities Sold Under Agreements to Repurchase	6 Months Ended
	Jun. 30, 2016
Notes to Financial Statements
Long-term Debt [Text Block]	9 . Securities Sold under Agreements to Repurchase Securities sold under agreements to repurchase represent transactions where the Company sells certain of its investment securities and agrees to repurchase them at a specific date in the future. Securities sold under agreements to repurchase are accounted for as secured borrowing and reflect the amount of cash received in connection with the transaction. Securities sold under agreements to repurchase are collateralized by U.S. government agency securities, primarily mortgage-backed securities. The Company may be required to provide additional collateral securing the borrowings in the event of principal pay downs or a decrease in the market value of the pledged securities. The Company mitigates this risk by monitoring the market value and liquidity of the collateral and ensuring that it holds a sufficient level of eligible securities to cover potential increases in collateral requirements. The following table represents the remaining maturity of repurchase agreements disaggregated by the class of securities pledged. Remaining Contractual Maturity of the Agreements June 30, 2016 (In thousands) Overnight/ Continuous Less Than 30 Days 30-89 Days 90 Days to One Year Over One Year to Four Years Total U.S. government agency securities $ 30,180 $ 1,200 $ - $ 457 $ 101,024 $ 132,861 Total $ 30,180 $ 1,200 $ - $ 457 $ 101,024 $ 132,861

Note 10 - Postretirement Medica

Note 10 - Postretirement Medical Benefits	6 Months Ended
	Jun. 30, 2016
Notes to Financial Statements
Pension and Other Postretirement Benefits Disclosure [Text Block]	10 . Postretirement Medical Benefits The Company provides lifetime medical and dental benefits upon retirement for certain employees meeting the eligibility requirements as of December 31, 1989 (“Plan 1”). Additional participants are not eligible to be included in Plan 1 unless they met the requirements on this date. During 2003, the Company implemented an additional postretirement health insurance program (“Plan 2”). Under Plan 2, any employee meeting the service requirement of 20 years of full time service to the Company and is at least age 55 upon retirement is eligible to continue their health insurance coverage. Under both plans, retirees not yet eligible for Medicare have coverage identical to the coverage offered to active employees. Under both plans, Medicare-eligible retirees are provided with a Medicare Advantage plan. The Company pays 100% of the cost of Plan 1. The Company and the retirees each pay 50% of the cost under Plan 2. Both plans are unfunded . Employees hired on or after January 1, 2016 are not eligible for benefits under Plan 2. The following disclosures of the net periodic benefit cost components of Plan 1 and Plan 2 were measured at January 1, 2016 and 2015 . Three Months Ended Six Months Ended June 30, June 30, (In thousands) 2016 2015 2016 2015 Service cost $ 159 $ 184 $ 318 $ 369 Interest cost 171 163 342 325 Recognized prior service cost 12 12 25 25 Recognized net actuarial loss (gain) - 11 - 21 Net periodic benefit cost $ 342 $ 370 $ 685 $ 740 The Company expects benefit payments of $393 thousand for 2016, of which $78 thousand and $158 thousand have been made during the three and six months ended June 30, 2016, respectively.

Note 11 - Regulatory Matters

Note 11 - Regulatory Matters	6 Months Ended
	Jun. 30, 2016
Notes to Financial Statements
Regulatory Capital Requirements under Banking Regulations [Text Block]	11. Regulatory Matters The Company and its subsidiary banks are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements will 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. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the banks must meet specific capital guidelines that involve quantitative measures of the banks’ assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Company and its subsidiary banks’ capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. The regulatory ratios of the consolidated Company and its subsidiary banks were as follows for the dates indicated. June 30, 2016 December 31, 2015 Common 1 Tier 1 1 Total 1 Tier 1 2 Common 1 Tier 1 1 Total 1 Tier 1 2 Consolidated 15.89 % 18.74 % 19.56 % 12.13 % 14.91 % 19.00 % 19.89 % 12.46 % Farmers Bank 15.87 15.87 16.58 9.17 15.57 15.57 16.35 9.20 United Bank 17.23 17.23 18.20 12.05 18.67 18.67 19.68 12.89 First Citizens 13.80 13.80 14.41 9.63 13.55 13.55 14.17 9.20 Citizens Northern 14.72 14.72 15.82 10.25 14.42 14.42 15.67 10.79 1 2 .

Note 12 - Fair Value Measuremen

Note 12 - Fair Value Measurements	6 Months Ended
	Jun. 30, 2016
Notes to Financial Statements
Fair Value Disclosures [Text Block]	12 . Fair Value Measurements ASC Topic 820, “Fair Value Measurements and Disclosures , ” “Financial Instruments , ” ASC Topic 820 defines fair value as the price that would be received to sell an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants at the measurement date. It also establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. This Topic describes three levels of inputs that may be used to measure fair value: Level 1: Quoted prices for identical assets or liabilities in active markets that the entity has the ability to access at the measurement date. Level 2: Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities. Level 3: Significant unobservable inputs that reflect a reporting entity’s own assumptions supported by little or no market activity, about the assumptions that market participants would use in pricing the asset or liability. Following is a description of the valuation method used for financial instruments measured at fair value on a recurring basis. For this disclosure, the Company only has available for sale investment securities and money market mutual funds classified as cash equivalents that meet the requirement. The carrying value of the $17.0 million in money market mutual funds is equivalent to its fair value and based on Level 1 inputs. Available for sale investment securities Valued primarily by independent third party pricing services under the market valuation approach that include, but are not limited to, the following inputs: ● Mutual funds and equity securities are priced utilizing real-time data feeds from active market exchanges for identical securities and are considered Level 1 inputs. ● Government-sponsored agency debt securities, obligations of states and political subdivisions, mortgage-backed securities, corporate bonds, and other similar investment securities are priced with available market information through processes using benchmark yields, matrix pricing, prepayment speeds, cash flows, live trading data, and market spreads sourced from new issues, dealer quotes, and trade prices, among others sources and are considered Level 2 inputs. Fair value disclosures for available for sale investment securities as of June 30, 2016 and December 31, 2015 are as follows: Fair Value Measurements Using (In thousands) Fair Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs June 30 , 201 6 Obligations of U.S. government-sponsored entities $ 128,187 $ - $ 128,187 $ - Obligations of states and political subdivisions 132,883 132,883 - Mortgage-backed securities – residential 287,391 - 287,391 - Mortgage-backed securities – commercial 25,323 - 25,323 - Corporate debt securities 5,865 - 5,865 - Mutual funds and equity securities 798 798 - - Total $ 580,447 $ 798 $ 579,649 $ - Fair Value Measurements Using (In thousands) Fair Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs December 31, 2015 Obligations of U.S. government-sponsored entities $ 106,906 $ - $ 106,906 $ - Obligations of states and political subdivisions 150,266 - 150,266 - Mortgage-backed securities – residential 297,861 - 297,861 - Mortgage-backed securities – commercial 20,584 - 20,584 - Corporate debt securities 5,840 - 5,840 - Mutual funds and equity securities 745 745 - - Total $ 582,202 $ 745 $ 581,457 $ - The Company is required to measure and disclose certain other assets and liabilities at fair value on a nonrecurring basis in periods following their initial recognition. The Company’s disclosure about assets and liabilities measured at fair value on a nonrecurring basis consists of collateral-dependent impaired loans and OREO. The carrying value of these assets are adjusted to fair value on a nonrecurring basis through impairment charges as described more fully below. Impairment charges on collateral-dependent loans are recorded by either an increase to the provision for loan losses and related allowance or by direct loan charge-offs. The fair value of collateral-dependent impaired loans with specific allocations of the allowance for loan losses is measured based on recent appraisals of the underlying collateral. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Appraisers take absorption rates into consideration and adjustments are routinely made in the appraisal process to identify differences between the comparable sales and income data available. Such adjustments consist mainly of estimated costs to sell that are not included in certain appraisals or to update appraised collateral values as a result of market declines of similar properties for which a newer appraisal is available. These adjustments can be significant and typically result in a Level 3 classification of the inputs for determining fair value. OREO includes properties acquired by the Company through, or in lieu of, actual loan foreclosures and is carried at fair value less estimated costs to sell. Fair value of OREO at acquisition is generally based on third party appraisals of the property that includes comparable sales data and is considered as Level 3 inputs. The carrying value of each OREO property is updated at least annually and more frequently when market conditions significantly impact the value of the property. If the carrying amount of the OREO exceeds fair value less estimated costs to sell, an impairment loss is recorded through noninterest expense. The following tables represent the carrying amount of assets measured at fair value on a nonrecurring basis and still held by the Company as of the dates indicated. The amounts in the table only represent assets whose carrying amount has been adjusted by impairment charges during the period in a manner as described above; therefore, these amounts will differ from the total amounts outstanding. With the exception of those calculated using the collateral valuation method, collateral-dependent impaired loan amounts in the tables below exclude restructured loans that are measured based on present value techniques, which are outside the scope of the fair value reporting framework. Fair Value Measurements Using (In thousands) Fair Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs June 30 , 201 6 Collateral-dependent Impaired Loans Real estate mortgage – farmland and other commercial enterprises $ 168 $ - $ - $ 168 Total $ 168 $ - $ - $ 168 OREO Construction and land development $ 2,170 $ - $ - $ 2,170 Residential real estate 69 - - 69 Farmland and other commercial enterprises 1,202 - - 1,202 Total $ 3,441 $ - $ - $ 3,441 Fair Value Measurements Using (In thousands) Fair Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs December 31, 201 5 Collateral-dependent Impaired Loans Real estate mortgage – construction and land development $ 2,908 $ - $ - $ 2,908 Real estate mortgage – residential 3,720 - - 3,720 Total $ 6,628 $ - $ - $ 6,628 OREO Construction and land development $ 2,252 $ - $ - $ 2,252 Residential real estate 406 - - 406 Farmland and other commercial enterprises 2,868 - - 2,868 Total $ 5,526 $ - $ - $ 5,526 The following table represents impairment charges recorded in earnings for the periods indicated on assets measured at fair value on a nonrecurring basis. Three Months Ended Six Months Ended June 30, June 30, (In thousands) 2016 2015 2016 2015 Impairment charges: Collateral-dependent impaired loans $ 494 $ 9 $ 524 $ 31 OREO 116 566 566 566 Total $ 610 $ 575 $ 1,090 $ 597 The following table presents quantitative information about unobservable inputs for assets measured on a nonrecurring basis using Level 3 measurements. As described above, the fair value of real estate securing collateral-dependent impaired loans and OREO are based on current third party appraisals. It is sometimes necessary, however, for the Company to discount the appraisal amounts supporting its impaired loans and OREO. These discounts relate primarily to marketing and other holding costs that are not included in certain appraisals or to update values as a result of market declines of similar properties for which newer appraisals are available. Discounts may also result from contracts to sell properties entered into during the period. The range of discounts is presented in the table below for 2016 and 2015. (In thousands) Fair Value Valuation Technique Unobservable Inputs Range Average June 30, 2016 Collateral-dependent impaired loans $ 168 Discounted appraisals Marketability discount 0% - 8.3% 7.3 % OREO $ 3,441 Discounted appraisals Marketability discount 1.9% - 45.4% 15.8 % December 31, 2015 Collateral-dependent impaired loans $ 6,628 Discounted appraisals Marketability discount 0% - 8.3% 7.9 % OREO $ 5,526 Discounted appraisals Marketability discount 2.3% - 26.9% 6.5 % Fair Value of Financial Instruments The table that follows represents the estimated fair values of the Company’s financial instruments made in accordance with the requirements of ASC Topic 825, “Financial Instruments . ” The following methods and assumptions were used to estimate the fair value of each class of financial instruments not presented elsewhere for which it is practicable to estimate that value . Cash and Cash Equivalents, Accrued Interest Receivable, and Accrued Interest Payable The carrying amount is a reasonable estimate of fair value due to the relatively short time between the origination of the instrument and its expected realization or settlement. Investment Securities Held to Maturity Fair value is based on quoted market price, if available. If a quoted market price is not available, fair value is estimated using quoted market prices for similar securities or with available market information through processes using benchmark yields, matrix pricing, prepayment speeds, cash flows, live trading data, and market spreads sourced from new issues, dealer quotes, and trade prices, among others sources. Loans The fair value of loans is estimated by discounting expected future cash flows using current discount rates at which similar loans would be made to borrowers with similar credit ratings and for the same remaining maturities. Expected future cash flows are projected based on contractual cash flows adjusted for estimated prepayments. Federal Home Loan Bank and Federal Reserve Bank Stock It is not practical to determine the fair value of Federal Home Loan Bank and Federal Reserve Bank stock due to restrictions placed on its transferability . Deposit Liabilities The fair value of demand deposits, savings accounts, and certain money market deposits is the amount payable on demand at the reporting date and fair value approximates carrying value. The fair value of fixed maturity certificates of deposit is estimated by discounting the expected future cash flows using the rates currently offered for certificates of deposit with similar remaining maturities. Federal Funds Purchased and O ther Short-term Borrowings The carrying amount is the estimated fair value for these borrowings which reprice frequently in the near term. Securities Sold Under Agreements to Repurchase, Subordinated Notes Payable, and Other Long-term Borrowings The fair value of these borrowings is estimated by discounting the expected future cash flows using rates currently available for debt with similar terms and remaining maturities. For subordinated notes payable, the Company uses its best estimate to determine an appropriate discount rate since active markets for similar debt transactions are very limited. Commitments to Extend Credit and Standby Letters of Credit Pricing of these financial instruments is based on the credit quality and relationship, fees, interest rates, probability of funding, compensating balance, and other covenants or requirements. Loan commitments generally have fixed expiration dates, variable interest rates and contain termination and other clauses that provide for relief from funding in the event there is a significant deterioration in the credit quality of the customer. Many loan commitments are expected to, and typically do, expire without being drawn upon. The rates and terms of the Company’s commitments to lend and standby letters of credit are competitive with others in the various markets in which the Company operates. There are no unamortized fees relating to these financial instruments, as such the carrying value and fair value are both zero. The following table presents the estimated fair values of the Company’s financial instruments and the level within the fair value hierarchy in which the fair value measurements fall at June 30, 2016 and December 31, 2015. Information for available for sale investment securities is presented within this footnote in greater detail above. Fair Value Measurements Using (In thousands) Carrying Fair Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs Significant Unobservable Inputs June 30 , 201 6 Assets Cash and cash equivalents $ 112,011 $ 112,011 $ 112,011 $ - $ - Held to maturity investment securities 3,585 3,831 - 3,831 - Loans, net 947,941 943,243 - - 943,243 Accrued interest receivable 4,970 4,970 - 4,970 - Federal Home Loan Bank and Federal Reserve Bank Stock 9,840 N/A - - - Liabilities Deposits 1,353,445 1,353,035 1,058,069 - 294,966 Federal funds purchased and other short-term borrowings 31,581 31,581 - 31,581 - Securities sold under agreements to repurchase and other long-term borrowings 120,006 125,815 - 125,815 - Subordinated notes payable to unconsolidated trusts 33,506 18,447 - - 18,447 Accrued interest payable 803 803 - 803 - December 31 , 201 5 Assets Cash and cash equivalents $ 120,493 $ 120,493 $ 120,493 $ - $ - Held to maturity investment securities 3,611 3,809 - 3,809 - Loans, net 948,960 945,809 - - 945,809 Accrued interest receivable 5,392 5,392 - 5,392 - Federal Home Loan Bank and Federal Reserve Bank Stock 9,368 N/A - - - Liabilities Deposits 1,368,994 1,369,016 1,043,616 - 325,400 Federal funds purchased and other short-term borrowings 34,353 34,353 - 34,353 - Securities sold under agreements to repurchase and other long-term borrowings 120,280 126,964 - 126,964 - Subordinated notes payable to unconsolidated trusts 48,970 31,515 - - 31,515 Accrued interest payable 851 851 - 851 -

Significant Accounting Policies

Significant Accounting Policies (Policies)	6 Months Ended
	Jun. 30, 2016
Accounting Policies [Abstract]
Reclassification, Policy [Policy Text Block]	Reclassifications Certain reclassifications have been made to the consolidated financial statements of prior periods to conform to the current period presentation. These reclassifications do not affect net income or total shareholders’ equity as previously reported.
Finance, Loans and Leases Receivable, Policy [Policy Text Block]	Loans and Interest Income Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off are reported at their unpaid principal amount outstanding adjusted for any charge-offs and deferred fees or costs on originated loans. Interest income on loans is recognized using the interest method based on loan principal amounts outstanding during the period. Interest income also includes amortization and accretion of any premiums or discounts over the expected life of acquired loans at the time of purchase or business acquisition. Loan origination fees, net of certain direct origination costs, are deferred and amortized as yield adjustments over the contractual term of the loans. The Company disaggregates certain disclosure information related to loans, the related allowance for loan losses, and credit quality measures by either portfolio segment or by loan class. The Company segregates its loan portfolio segments based on similar risk characteristics as follows: real estate loans, commercial loans, and consumer loans. Portfolio segments are further disaggregated into classes for certain required disclosures as follows: Portfolio Segment Class Real estate loans Real estate mortgage – construction and land development Real estate mortgage – residential Real estate mortgage – farmland and other commercial enterprises Commercial loans Commercial and industrial Depository institutions Agriculture production and other loans to farmers States and political subdivisions Other Consumer loans Secured Unsecured The Company has a loan policy in place that is amended and approved from time to time as needed to reflect current economic conditions and product offerings in its markets. The policy establishes written procedures concerning areas such as the lending authorities of loan officers, committee review and approval of certain credit requests, underwriting criteria, policy exceptions, appraisal requirements, and loan review. Credit is extended to borrowers based primarily on their ability to repay as demonstrated by income and cash flow analysis. Loans secured by real estate make up the largest segment of the Company’s loan portfolio. If a borrower fails to repay a loan secured by real estate, the Company may liquidate the collateral in order to satisfy the amount owed. Determining the value of real estate is a key component to the lending process for real estate backed loans. If the fair value of real estate (less estimated cost to sell) securing a collateral dependent loan declines below the outstanding loan amount, the Company will write down the carrying value of the loan and thereby incur a loss. The Company uses independent third party state certified or licensed appraisers in accordance with its loan policy to mitigate risk when underwriting real estate loans. Cash flow analysis of the borrower, loan to value limits as adopted by loan policy, and other customary underwriting standards are also in place which are designed to maximize credit quality and mitigate risks associated with real estate lending. Commercial loans are made to businesses and are secured mainly by assets such as inventory, accounts receivable, machinery, fixtures and equipment, or other business assets. Commercial lending involves significant risk, as loan repayments are more dependent on the successful operation or management of the business and its cash flows. Consumer lending includes loans to individuals mainly for personal autos, boats, or a variety of other personal uses and may be secured or unsecured. Loan repayment associated with consumer loans is highly dependent upon the borrower’s continuing financial stability, which is heavily influenced by local unemployment rates. The Company mitigates its risk exposure to each of its loan segments by analyzing the borrower’s repayment capacity, imposing restrictions on the amount it will loan compared to estimated collateral values, limiting the payback periods, and following other customary underwriting practices as adopted in its loan policy. The accrual of interest on loans is discontinued when it is determined that the collection of interest or principal is doubtful, or when a default of interest or principal has existed for 90 days or more, unless such loan is well secured and in the process of collection. Past due status is based on the contractual terms of the loan. Interest accrued but not received for a loan placed on nonaccrual status is reversed against interest income. Cash payments received on nonaccrual loans generally are applied to principal until qualifying for return to accrual status. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. The Company’s policy for placing a loan on nonaccrual status or subsequently returning a loan to accrual status does not differ based on its portfolio class or segment. Commercial and real estate loans delinquent in excess of 120 days and consumer loans delinquent in excess of 180 days are charged off , unless the collateral securing the debt is of such value that any loss appears to be unlikely. In all cases, loans are charged off at an earlier date if classified as loss under the Company’s loan grading process or as a result of regulatory examination. The Company’s charge-off policy for impaired loans does not differ from the charge-off policy for loans outside the definition of impaired .
Loans and Leases Receivable, Allowance for Loan Losses Policy [Policy Text Block]	Provision and Allowance for Loan Losses The provision for loan losses represents charges or credits made to earnings to maintain an allowance for loan losses at a level considered adequate to provide for probable incurred credit losses at the balance sheet date. The allowance for loan losses is a valuation allowance increased by the provision for loan losses and decreased by net charge-offs. Loan losses are charged against the allowance when management believes the uncollectibility of a loan is confirmed. Subsequent recoveries, if any, are credited to the allowance. The Company estimates the adequacy of the allowance using a risk-rated methodology which is based on the Company’s past loan loss experience, known and inherent risks in the loan portfolio, adverse situations that may affect the borrower’s ability to repay, the estimated value of any underlying collateral securing loans, composition of the loan portfolio, current economic conditions, and other relevant factors. This evaluation is inherently subjective as it requires significant judgment and the use of estimates that may be susceptible to change. The allowance for loan losses consists of specific and general components. The specific component relates to loans that are individually classified as impaired. The general component covers non-impaired loans and is based on historical loss experience adjusted for current risk factors. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management’s judgment, should be charged off. Actual loan losses could differ significantly from the amounts estimated by management. The general portion of the Company’s loan portfolio is segregated into portfolio segments having similar risk characteristics identified as follows: real estate loans, commercial loans, and consumer loans. Each of these portfolio segments is assigned a loss percentage based on their respective sixteen quarter rolling historical loss rates, adjusted for the qualitative risk factors summarized below. The qualitative risk factors used in the methodology are consistent with the guidance in the most recent Interagency Policy Statement on the Allowance for Loan Losses issued. Each factor is supported by a detailed analysis performed at each subsidiary bank and is both measureable and supportable. Some factors include a minimum allocation in some instances where loss levels are extremely low and it is determined to be prudent from a safety and soundness perspective. Qualitative risk factors that are used in the methodology include the following for each loan portfolio segment: ● Delinquency trends ● Trends in net charge-offs ● Trends in loan volume ● Lending philosophy risk ● Management experience risk ● Concentration of credit risk ● Economic conditions risk A loan is impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings and classified as impaired. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. The Company accounts for impaired loans in accordance with Accounting Standards Codification (“ASC”) Topic 310, “Receivables . ” . Loans that are part of a large group of smaller-balance homogeneous loans, such as residential mortgage , consumer, and smaller-balance commercial loans, are collectively evaluated for impairment. Troubled debt restructurings are measured at the present value of estimated future cash flows using the loan’s effective interest rate at inception, or at the fair value of collateral. The Company determines the amount of reserve for troubled debt restructurings that subsequently default in accordance with its accounting policy for the allowance for loan losses.
New Accounting Pronouncements, Policy [Policy Text Block]	Recently Issued Accounting Standards In March 2016, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2016-08, “Revenue from Contracts with Customers (Topic 606): Principal versus Agent Considerations (Reporting Revenue Gross versus Net) . ” “ Revenue from Contracts with Customers (Topic 606) , ” The Company does not expect there to be a material impact on its consolidated financial position, results of operations, or cash flows upon adoption. In March 2016, the FASB issued ASU No. 2016-09, “Compensation—Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting , ” This ASU simplifies several aspects of the accounting for share-based payment award transactions, including income tax consequences , classification of awards as either equity or liabilities, forfeitures, and classification on the statement of cash flows. ASU No. 2016-09 is effective for the Company in annual and interim reporting periods beginning after December 15, 2016. The Company does not expect there to be a material impact on its consolidated financial position, results of operations, or cash flows upon adoption. In April 2016, the FASB issued ASU No. 2016-10, “Revenue from Contracts with Customers (Topic 606): Identifying Performance Obligations and Licensing . ” The amendments in this ASU clarify the following two aspects of Topic 606: (a) identifying performance obligations; and (b) the licensing implementation guidance. The amendments do not change the core principle of the guidance in Topic 606. This ASU is effective for the Company in annual and interim reporting periods beginning after December 15, 2017. The Company does not expect there to be a material impact on its consolidated financial position, results of operations, or cash flows upon adoption. In May 2016, the FASB issued ASU No. 2016-12, “ Revenue from Contracts with Customers (Topic 606): Narrow-Scope Improvements and Practical Expedients ,” ASU No. 2016-12 is effective for the Company in annual and interim reporting periods beginning after December 15, 2017. The Company does not expect there to be a material impact on its consolidated financial position, results of operations, or cash flows upon adoption. In June 2016, the FASB issued ASU No. 2016-13, “ Financial Instruments—Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments , ” The ASU requires an organization to measure all expected credit losses for financial assets held at the reporting date based on historical experience, current conditions, and reasonable and supportable forecasts. The ASU requires enhanced disclosures, including qualitative and quantitative requirements , which provide additional information about the amounts recorded in the financial statements. Additionally, the ASU amends the accounting for credit losses on available-for-sale debt securities and purchased financial assets with credit deterioration. ASU No. 2016-13 is effective for the Company in annual and interim reporting periods beginning after December 15, 2019. The Company is currently evaluating the impact of ASU No. 2016-13 on its consolidated financial position, results of operations, and cash flows . Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies are not expected to have a material impact on the Company’s financial position, results of operations or cash flows.

Note 3 - Accumulated Other Co23

Note 3 - Accumulated Other Comprehensive Income (Tables)	6 Months Ended
	Jun. 30, 2016
Notes Tables
Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]	Three months ended June 30, 2016 2015 (In thousands) Unrealized Gains and Losses on Available for Sale Investment Securities Postretirement Benefit Obligation Total Unrealized Gains and Losses on Available for Sale Investment Securities Postretirement Benefit Obligation Total Beginning balance $ 5,852 $ (428 ) $ 5,424 $ 7,001 $ (1,535 ) $ 5,466 Other comprehensive income (loss) before reclassifications 1,784 - 1,784 (3,035 ) - (3,035 ) Amounts reclassified from accumulated other comprehensive income (120 ) 9 (111 ) (31 ) 15 (16 ) Net current-period other comprehensive income (loss) 1,664 9 1,673 (3,066 ) 15 (3,051 ) Ending balance $ 7,516 $ (419 ) $ 7,097 $ 3,935 $ (1,520 ) $ 2,415 Six months ended June 30, 2016 2015 (In thousands) Unrealized Gains and Losses on Available for Sale Investment Securities Postretirement Benefit Obligation Total Unrealized Gains and Losses on Available for Sale Investment Securities Postretirement Benefit Obligation Total Beginning balance $ 3,219 $ (437 ) $ 2,782 $ 5,174 $ (299 ) $ 4,875 Other comprehensive income (loss) before reclassifications 4,426 - 4,426 (1,138 ) (1,251 ) (2,389 ) Amounts reclassified from accumulated other comprehensive income (129 ) 18 (111 ) (101 ) 30 (71 ) Net current-period other comprehensive income (loss) 4,297 18 4,315 (1,239 ) (1,221 ) (2,460 ) Ending balance $ 7,516 $ (419 ) $ 7,097 $ 3,935 $ (1,520 ) $ 2,415
Reclassification out of Accumulated Other Comprehensive Income [Table Text Block]	Amount Reclassified from Accumulated Other Comprehensive Income Affected Line Item in the Statement Where Net Income is Presented Three months ended Six months ended (In thousands) 2016 2015 2016 2015 Unrealized gains on available for sale investment securities $ 185 $ 48 $ 199 $ 155 Investment securities gains, net (65 ) (17 ) (70 ) (54 ) Income tax expense $ 120 $ 31 $ 129 $ 101 Net of tax Amortization related to postretirement benefits Prior service costs $ (12 ) $ (12 ) $ (25 ) $ (25 ) Salaries and employee benefits Actuarial losses (2 ) (11 ) (3 ) (21 ) Salaries and employee benefits (14 ) (23 ) (28 ) (46 ) Total before tax 5 8 10 16 Income tax benefit $ (9 ) $ (15 ) $ (18 ) $ (30 ) Net of tax Total reclassifications for the period $ 111 $ 16 $ 111 $ 71 Net of tax

Note 5 - Net Income Per Commo24

Note 5 - Net Income Per Common Share (Tables)	6 Months Ended
	Jun. 30, 2016
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	Three Months Ended June 30, Six Months Ended June 30, (In thousands, except per share data) 2016 2015 2016 2015 Net income, basic and diluted $ 3,556 $ 3,502 $ 9,736 $ 7,576 Less preferred stock dividends - 170 - 395 Net income available to common shareholders, basic and diluted $ 3,556 $ 3,332 $ 9,736 $ 7,181 Average common shares issued and outstanding, basic and diluted 7,502 7,492 7,501 7,491 Net income per common share, basic and diluted $ .47 $ .44 $ 1.30 $ .96

Note 6 - Investment Securities

Note 6 - Investment Securities (Tables)	6 Months Ended
	Jun. 30, 2016
Notes Tables
Schedule of AFS and HTM Reconciliation [Table Text Block]	June 30, 2016 (In thousands) Amortized Gross Unrealized Gains Gross Unrealized Losses Estimated Available For Sale Obligations of U.S. government-sponsored entities $ 127,090 $ 1,098 $ 1 $ 128,187 Obligations of states and political subdivisions 129,594 3,314 25 132,883 Mortgage-backed securities – residential 279,691 7,788 88 287,391 Mortgage-backed securities – commercial 24,890 433 - 25,323 Corporate debt securities 6,815 13 963 5,865 Mutual funds and equity securities 804 8 14 798 Total securities – available for sale $ 568,884 $ 12,654 $ 1,091 $ 580,447 Held To Maturity Obligations of states and political subdivisions $ 3,585 $ 246 $ - $ 3,831 December 31, 2015 (In thousands) Amortized Gross Unrealized Gains Gross Unrealized Losses Estimated Available For Sale Obligations of U.S. government-sponsored entities $ 107,135 $ 309 $ 538 $ 106,906 Obligations of states and political subdivisions 147,875 2,604 213 150,266 Mortgage-backed securities – residential 294,140 5,210 1,489 297,861 Mortgage-backed securities – commercial 20,655 52 123 20,584 Corporate debt securities 6,629 11 800 5,840 Mutual funds and equity securities 814 - 69 745 Total securities – available for sale $ 577,248 $ 8,186 $ 3,232 $ 582,202 Held To Maturity Obligations of states and political subdivisions $ 3,611 $ 198 $ - $ 3,809
Investments Classified by Contractual Maturity Date [Table Text Block]	Available For Sale Held To Maturity Amortized Estimated Amortized Estimated June 30, 2016 (In thousands) Cost Fair Value Cost Fair Value Due in one year or less $ 9,601 $ 9,638 $ - $ - Due after one year through five years 164,845 166,712 - - Due after five years through ten years 69,820 72,025 640 743 Due after ten years 19,233 18,560 2,945 3,088 Mortgage-backed securities 304,581 312,714 - - Total $ 568,080 $ 579,649 $ 3,585 $ 3,831
Realized Gain (Loss) on Investments [Table Text Block]	Three Months Ended Six Months Ended June 30 , June 30, (In thousands) 2016 2015 2016 2015 Gross realized gains $ 190 $ 50 $ 352 $ 180 Gross realized losses 59 5 138 15 Net realized gain $ 131 $ 45 $ 214 $ 165
Schedule of Unrealized Loss on Investments [Table Text Block]	Less than 12 Months 12 Months or More Total June 30, 2016 (In thousands) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses Obligations of U.S. government-sponsored entities $ 3,411 $ 1 $ - $ - $ 3,411 $ 1 Obligations of states and political subdivisions 11,971 22 1,681 3 13,652 25 Mortgage-backed securities – residential 3,390 7 7,100 81 10,490 88 Corporate debt securities - - 4,940 963 4,940 963 Mutual funds and equity securities 126 4 193 10 319 14 Total $ 18,898 $ 34 $ 13,914 $ 1,057 $ 32,812 $ 1,091 Less than 12 Months 12 Months or More Total December 31, 2015 (In thousands) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses Obligations of U.S. government-sponsored entities $ 57,927 $ 275 $ 21,576 $ 263 $ 79,503 $ 538 Obligations of states and political subdivisions 30,426 123 8,276 90 38,702 213 Mortgage-backed securities – residential 118,978 851 21,723 638 140,701 1,489 Mortgage-backed securities – commercial 10,882 123 - - 10,882 123 Corporate debt securities 204 6 5,155 794 5,359 800 Mutual funds and equity securities 481 21 264 48 745 69 Total $ 218,898 $ 1,399 $ 56,994 $ 1,833 $ 275,892 $ 3,232

Note 7 - Loans and Allowance 26

Note 7 - Loans and Allowance for Loan Losses (Tables)	6 Months Ended
	Jun. 30, 2016
Notes Tables
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	(In thousands) June 30, December 31, Real Estate Real estate mortgage – construction and land development $ 109,403 $ 115,516 Real estate mortgage – residential 346,288 355,134 Real estate mortgage – farmland and other commercial enterprises 402,692 386,386 Commercial Commercial and industrial 46,689 48,379 States and political subdivisions 20,215 17,643 Other 22,501 23,798 Consumer Secured 4,557 6,665 Unsecured 5,081 5,754 Total loans 957,426 959,275 Less unearned income - - Total loans, net of unearned income $ 957,426 $ 959,275
Allowance for Credit Losses on Financing Receivables [Table Text Block]	(In thousands) Real Estate Commercial Consumer Total Three months ended June 30, 201 6 Balance, beginning of period $ 8,709 $ 839 $ 280 $ 9,828 Provision for loan losses (147 ) (4 ) (5 ) (156 ) Recoveries 50 19 11 80 Loans charged off (208 ) (48 ) (11 ) (267 ) Balance, end of period $ 8,404 $ 806 $ 275 $ 9,485 Six months ended June 30, 201 6 Balance, beginning of period $ 9,173 $ 820 $ 322 $ 10,315 Provision for loan losses (600 ) (10 ) (19 ) (629 ) Recoveries 102 55 43 200 Loans charged off (271 ) (59 ) (71 ) (401 ) Balance, end of period $ 8,404 $ 806 $ 275 $ 9,485 (In thousands) Real Estate Commercial Consumer Total Three months ended June 30, 201 5 Balance, beginning of period $ 11,522 $ 866 $ 218 $ 12,606 Provision for loan losses (576 ) 189 123 (264 ) Recoveries 52 15 26 93 Loans charged off (192 ) (13 ) (31 ) (236 ) Balance, end of period $ 10,806 $ 1,057 $ 336 $ 12,199 Six months ended June 30, 201 5 Balance, beginning of period $ 12,542 $ 1,153 $ 273 $ 13,968 Provision for loan losses (1,787 ) (101 ) 79 (1,809 ) Recoveries 338 31 63 432 Loans charged off (287 ) (26 ) (79 ) (392 ) Balance, end of period $ 10,806 $ 1,057 $ 336 $ 12,199
Impaired Financing Receivables [Table Text Block]	Unpaid Balance Recorded With No Allowance Recorded With Allowance Total Recorded Investment Allowance for Real Estate Real estate mortgage – construction and land development $ 9,602 $ 3,090 $ 3,849 $ 6,939 $ 598 Real estate mortgage – residential 9,032 3,347 5,716 9,063 1,500 Real estate mortgage – farmland and other commercial enterprises 26,838 10,879 15,855 26,734 454 Commercial Commercial and industrial 411 22 389 411 211 Consumer Unsecured 151 - 151 151 151 Total $ 46,034 $ 17,338 $ 25,960 $ 43,298 $ 2,914 Unpaid Balance Recorded Recorded Total Recorded Investment Allowance for Real Estate Real estate mortgage – construction and land development $ 9,932 $ 3,875 $ 3,372 $ 7,247 $ 556 Real estate mortgage – residential 8,655 2,502 6,024 8,526 1,278 Real estate mortgage – farmland and other commercial enterprises 20,980 4,149 16,703 20,852 681 Commercial Commercial and industrial 399 - 400 400 223 Consumer Unsecured 156 - 157 157 156 Total $ 40,122 $ 10,526 $ 26,656 $ 37,182 $ 2,894 Three Months Ended June 30, 2016 2015 (In thousands) Average Interest Income Recognized Cash Basis Interest Recognized Average Interest Income Recognized Cash Basis Interest Recognized Real Estate Real estate mortgage – construction and land development $ 8,832 $ 108 $ 96 $ 10,388 $ 135 $ 131 Real estate mortgage – residential 8,619 109 88 10,739 134 122 Real estate mortgage – farmland and other commercial enterprises 26,985 368 353 22,426 245 242 Commercial Commercial and industrial 410 7 7 805 5 5 Consumer Unsecured 150 1 1 167 2 2 Total $ 44,996 $ 593 $ 545 $ 44,525 $ 521 $ 502 Six Months Ended June 30, 2016 2015 (In thousands) Average Interest Income Recognized Cash Basis Interest Recognized Average Interest Income Recognized Cash Basis Interest Recognized Real Estate Real estate mortgage – construction and land development $ 8,562 $ 155 $ 143 $ 10,754 $ 216 $ 211 Real estate mortgage – residential 8,827 212 187 10,597 255 243 Real estate mortgage – farmland and other commercial enterprises 25,388 637 616 23,913 525 519 Commercial Commercial and industrial 415 11 11 621 6 6 Consumer Unsecured 153 3 2 96 2 2 Total $ 43,345 $ 1,018 $ 959 $ 45,981 $ 1,004 $ 981
Loans and ALL Disaggregated Impairment Method [Table Text Block]	June 30, 2016 (In thousands) Real Estate Commercial Consumer Total Allowance for Loan Losses Ending allowance balance attributable to loans: Individually evaluated for impairment $ 2,552 $ 211 $ 151 $ 2,914 Collectively evaluated for impairment 5,852 595 124 6,571 Total ending allowance balance $ 8,404 $ 806 $ 275 $ 9,485 Loans Loans individually evaluated for impairment $ 42,736 $ 411 $ 151 $ 43,298 Loans collectively evaluated for impairment 815,647 88,994 9,487 914,128 Total ending loan balance, net of unearned income $ 858,383 $ 89,405 $ 9,638 $ 957,426 December 31, 2015 (In thousands) Real Estate Commercial Consumer Total Allowance for Loan Losses Ending allowance balance attributable to loans: Individually evaluated for impairment $ 2,515 $ 223 $ 156 $ 2,894 Collectively evaluated for impairment 6,658 597 166 7,421 Total ending allowance balance $ 9,173 $ 820 $ 322 $ 10,315 Loans Loans individually evaluated for impairment $ 36,625 $ 400 $ 157 $ 37,182 Loans collectively evaluated for impairment 820,411 89,420 12,262 922,093 Total ending loan balance, net of unearned income $ 857,036 $ 89,820 $ 12,419 $ 959,275
Non-performing Loans Including TDR's [Table Text Block]	June 30, 2016 (In thousands) Nonaccrual Restructured Loans Loans Past Due 90 Days or More and Still Accruing Real Estate Real estate mortgage – construction and land development $ 1,023 $ 3,660 $ - Real estate mortgage – residential 2,268 4,073 - Real estate mortgage – farmland and other commercial enterprises 3,034 15,192 - Commercial Commercial and industrial 59 380 - Other 6 - - Consumer Secured 7 - - Unsecured - 139 2 Total $ 6,397 $ 23,444 $ 2 December 31, 2015 (In thousands) Nonaccrual Restructured Loans Loans Past Due 90 Days or More and Still Accruing Real Estate Real estate mortgage – construction and land development $ 1,567 $ 3,674 $ - Real estate mortgage – residential 2,485 4,127 - Real estate mortgage – farmland and other commercial enterprises 4,266 15,503 - Commercial Commercial and industrial 44 384 - Other 8 - - Consumer 10 - - Unsecured - 143 - Total $ 8,380 $ 23,831 $ -
Troubled Debt Restructurings on Financing Receivables [Table Text Block]	(Dollars in thousands) Troubled Debt Restructurings: Number of Loans Pre-Modification Post-Modification Three Months Ended June 30, 201 5 Commercial: Commercial and industrial 2 $ 388 $ 388 Consumer: Secured 1 145 145 Total 3 $ 533 $ 533 Six Months Ended June 30, 201 5 Commercial: Commercial and industrial 2 $ 388 $ 388 Consumer: Secured 1 145 145 Total 3 $ 533 $ 533
Past Due Financing Receivables [Table Text Block]	June 30, 2016 (In thousands) 30-89 Days Past Due 90 Days or More Past Due Total Current Total Loans Real Estate Real estate mortgage – construction and land development $ - $ 227 $ 227 $ 109,176 $ 109,403 Real estate mortgage – residential 1,216 1,096 2,312 343,976 346,288 Real estate mortgage – farmland and other commercial enterprises 1,733 1,699 3,432 399,260 402,692 Commercial Commercial and industrial 3 59 62 46,627 46,689 States and political subdivisions - - - 20,215 20,215 Other 13 - 13 22,488 22,501 Consumer Secured 27 - 27 4,530 4,557 Unsecured 1 2 3 5,078 5,081 Total $ 2,993 $ 3,083 $ 6,076 $ 951,350 $ 957,426 December 31, 2015 (In thousands) 30-89 Days Past Due 90 Days or More Past Due Total Current Total Loans Real Estate Real estate mortgage – construction and land development $ - $ 227 $ 227 $ 115,289 $ 115,516 Real estate mortgage – residential 421 1,448 1,869 353,265 355,134 Real estate mortgage – farmland and other commercial enterprises 42 2,376 2,418 383,968 386,386 Commercial Commercial and industrial 42 43 85 48,294 48,379 States and political subdivisions - - - 17,643 17,643 Other 62 - 62 23,736 23,798 Consumer Secured 9 1 10 6,655 6,665 Unsecured 18 - 18 5,736 5,754 Total $ 594 $ 4,095 $ 4,689 $ 954,586 $ 959,275
Financing Receivable Credit Quality Indicators [Table Text Block]	Real Estate Commercial June 30, 2016 Real Estate Mortgage – Construction and Land Development Real Estate Mortgage – Residential Real Estate Mortgage – Farmland and Other Commercial Enterprises Commercial and Industrial States and Political Subdivisions Other Credit risk profile by internally assigned rating grades Pass $ 100,635 $ 317,175 $ 364,031 $ 45,326 $ 20,215 $ 22,501 Special Mention 1,431 15,238 20,545 865 - - Substandard 7,337 13,875 18,116 498 - - Doubtful - - - - - - Total $ 109,403 $ 346,288 $ 402,692 $ 46,689 $ 20,215 $ 22,501 Real Estate Commercial December 31, 2015 Real Estate Mortgage – Construction and Land Development Real Estate Mortgage – Residential Real Estate Mortgage – Farmland and Other Commercial Enterprises Commercial and Industrial States and Political Subdivisions Other Credit risk profile by internally assigned rating grades Pass $ 104,383 $ 324,333 $ 343,894 $ 46,934 $ 17,643 $ 23,777 Special Mention 1,651 16,225 22,859 937 - - Substandard 9,482 14,576 19,633 508 - 21 Doubtful - - - - - - Total $ 115,516 $ 355,134 $ 386,386 $ 48,379 $ 17,643 $ 23,798
Risk Category of Loans by Class-Consumer [Table Text Block]	June 30, 2016 December 31, 2015 Consumer Consumer (In thousands) Secured Unsecured Secured Unsecured Credit risk profile based on payment activity Performing $ 4,550 $ 4,940 $ 6,655 $ 5,611 Nonperforming 7 141 10 143 Total $ 4,557 $ 5,081 $ 6,665 $ 5,754

Note 8 - Other Real Estate Ow27

Note 8 - Other Real Estate Owned (Tables)	6 Months Ended
	Jun. 30, 2016
Notes Tables
OREO Detail [Table Text Block]	(In thousands) June 30, 2016 December 31, 2015 Construction and land development $ 8,315 $ 12,997 Residential real estate 873 960 Farmland and other commercial enterprises 7,745 7,886 Total $ 16,933 $ 21,843
OREO Activity [Table Text Block]	Six months ended June 30, (In thousands) 2016 2015 Beginning balance $ 21,843 $ 31,960 Transfers from loans and other increases 1,474 475 Proceeds from sales (5,527 ) (5,664 ) (Loss) gain on sales, net (125 ) 9 Write downs and other decreases, net (732 ) (566 ) Ending balance $ 16,933 $ 26,214

Note 9 - Securities Sold Unde28

Note 9 - Securities Sold Under Agreements to Repurchase (Tables)	6 Months Ended
	Jun. 30, 2016
Notes Tables
Schedule of Repurchase Agreements [Table Text Block]	Remaining Contractual Maturity of the Agreements June 30, 2016 (In thousands) Overnight/ Continuous Less Than 30 Days 30-89 Days 90 Days to One Year Over One Year to Four Years Total U.S. government agency securities $ 30,180 $ 1,200 $ - $ 457 $ 101,024 $ 132,861 Total $ 30,180 $ 1,200 $ - $ 457 $ 101,024 $ 132,861

Note 10 - Postretirement Medi29

Note 10 - Postretirement Medical Benefits (Tables)	6 Months Ended
	Jun. 30, 2016
Postretirement Medical Benefits [Member]
Notes Tables
Schedule of Net Benefit Costs [Table Text Block]	Three Months Ended Six Months Ended June 30, June 30, (In thousands) 2016 2015 2016 2015 Service cost $ 159 $ 184 $ 318 $ 369 Interest cost 171 163 342 325 Recognized prior service cost 12 12 25 25 Recognized net actuarial loss (gain) - 11 - 21 Net periodic benefit cost $ 342 $ 370 $ 685 $ 740

Note 11 - Regulatory Matters (T

Note 11 - Regulatory Matters (Tables)	6 Months Ended
	Jun. 30, 2016
Notes Tables
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	June 30, 2016 December 31, 2015 Common 1 Tier 1 1 Total 1 Tier 1 2 Common 1 Tier 1 1 Total 1 Tier 1 2 Consolidated 15.89 % 18.74 % 19.56 % 12.13 % 14.91 % 19.00 % 19.89 % 12.46 % Farmers Bank 15.87 15.87 16.58 9.17 15.57 15.57 16.35 9.20 United Bank 17.23 17.23 18.20 12.05 18.67 18.67 19.68 12.89 First Citizens 13.80 13.80 14.41 9.63 13.55 13.55 14.17 9.20 Citizens Northern 14.72 14.72 15.82 10.25 14.42 14.42 15.67 10.79

Note 12 - Fair Value Measurem31

Note 12 - Fair Value Measurements (Tables)	6 Months Ended
	Jun. 30, 2016
Notes Tables
Fair Value, Assets Measured on Recurring Basis [Table Text Block]	Fair Value Measurements Using (In thousands) Fair Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs June 30 , 201 6 Obligations of U.S. government-sponsored entities $ 128,187 $ - $ 128,187 $ - Obligations of states and political subdivisions 132,883 132,883 - Mortgage-backed securities – residential 287,391 - 287,391 - Mortgage-backed securities – commercial 25,323 - 25,323 - Corporate debt securities 5,865 - 5,865 - Mutual funds and equity securities 798 798 - - Total $ 580,447 $ 798 $ 579,649 $ - Fair Value Measurements Using (In thousands) Fair Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs December 31, 2015 Obligations of U.S. government-sponsored entities $ 106,906 $ - $ 106,906 $ - Obligations of states and political subdivisions 150,266 - 150,266 - Mortgage-backed securities – residential 297,861 - 297,861 - Mortgage-backed securities – commercial 20,584 - 20,584 - Corporate debt securities 5,840 - 5,840 - Mutual funds and equity securities 745 745 - - Total $ 582,202 $ 745 $ 581,457 $ -
Fair Value Measurements, Nonrecurring [Table Text Block]	Fair Value Measurements Using (In thousands) Fair Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs June 30 , 201 6 Collateral-dependent Impaired Loans Real estate mortgage – farmland and other commercial enterprises $ 168 $ - $ - $ 168 Total $ 168 $ - $ - $ 168 OREO Construction and land development $ 2,170 $ - $ - $ 2,170 Residential real estate 69 - - 69 Farmland and other commercial enterprises 1,202 - - 1,202 Total $ 3,441 $ - $ - $ 3,441 Fair Value Measurements Using (In thousands) Fair Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs December 31, 201 5 Collateral-dependent Impaired Loans Real estate mortgage – construction and land development $ 2,908 $ - $ - $ 2,908 Real estate mortgage – residential 3,720 - - 3,720 Total $ 6,628 $ - $ - $ 6,628 OREO Construction and land development $ 2,252 $ - $ - $ 2,252 Residential real estate 406 - - 406 Farmland and other commercial enterprises 2,868 - - 2,868 Total $ 5,526 $ - $ - $ 5,526
Asset Impairment Charges on Assets Nonrecurring [Table Text Block]	Three Months Ended Six Months Ended June 30, June 30, (In thousands) 2016 2015 2016 2015 Impairment charges: Collateral-dependent impaired loans $ 494 $ 9 $ 524 $ 31 OREO 116 566 566 566 Total $ 610 $ 575 $ 1,090 $ 597
Fair Value, Assets and Liabilities Measured on Nonrecurring Basis, Valuation Techniques [Table Text Block]	(In thousands) Fair Value Valuation Technique Unobservable Inputs Range Average June 30, 2016 Collateral-dependent impaired loans $ 168 Discounted appraisals Marketability discount 0% - 8.3% 7.3 % OREO $ 3,441 Discounted appraisals Marketability discount 1.9% - 45.4% 15.8 % December 31, 2015 Collateral-dependent impaired loans $ 6,628 Discounted appraisals Marketability discount 0% - 8.3% 7.9 % OREO $ 5,526 Discounted appraisals Marketability discount 2.3% - 26.9% 6.5 %
Fair Value, by Balance Sheet Grouping [Table Text Block]	Fair Value Measurements Using (In thousands) Carrying Fair Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs Significant Unobservable Inputs June 30 , 201 6 Assets Cash and cash equivalents $ 112,011 $ 112,011 $ 112,011 $ - $ - Held to maturity investment securities 3,585 3,831 - 3,831 - Loans, net 947,941 943,243 - - 943,243 Accrued interest receivable 4,970 4,970 - 4,970 - Federal Home Loan Bank and Federal Reserve Bank Stock 9,840 N/A - - - Liabilities Deposits 1,353,445 1,353,035 1,058,069 - 294,966 Federal funds purchased and other short-term borrowings 31,581 31,581 - 31,581 - Securities sold under agreements to repurchase and other long-term borrowings 120,006 125,815 - 125,815 - Subordinated notes payable to unconsolidated trusts 33,506 18,447 - - 18,447 Accrued interest payable 803 803 - 803 - December 31 , 201 5 Assets Cash and cash equivalents $ 120,493 $ 120,493 $ 120,493 $ - $ - Held to maturity investment securities 3,611 3,809 - 3,809 - Loans, net 948,960 945,809 - - 945,809 Accrued interest receivable 5,392 5,392 - 5,392 - Federal Home Loan Bank and Federal Reserve Bank Stock 9,368 N/A - - - Liabilities Deposits 1,368,994 1,369,016 1,043,616 - 325,400 Federal funds purchased and other short-term borrowings 34,353 34,353 - 34,353 - Securities sold under agreements to repurchase and other long-term borrowings 120,280 126,964 - 126,964 - Subordinated notes payable to unconsolidated trusts 48,970 31,515 - - 31,515 Accrued interest payable 851 851 - 851 -

Note 3 - Accumulated Other Co32

Note 3 - Accumulated Other Comprehensive Income - Changes in Accumulated Other Comprehensive Income by Component (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Accumulated Net Investment Gain (Loss) Attributable to Parent [Member]
Beginning balance	$ 5,852,000	$ 7,001,000	$ 3,219,000	$ 5,174,000
Other comprehensive income (loss) before reclassifications	1,784,000	(3,035,000)	4,426,000	(1,138,000)
Amounts reclassified from accumulated other comprehensive income	(120,000)	(31,000)	(129,000)	(101,000)
Net current-period other comprehensive income (loss)	1,664,000	(3,066,000)	4,297,000	(1,239,000)
Ending balance	7,516,000	3,935,000	7,516,000	3,935,000
Accumulated Defined Benefit Plans Adjustment Attributable to Parent [Member]
Beginning balance	(428,000)	(1,535,000)	(437,000)	(299,000)
Other comprehensive income (loss) before reclassifications	0	0	0	(1,251,000)
Amounts reclassified from accumulated other comprehensive income	9,000	15,000	18,000	30,000
Net current-period other comprehensive income (loss)	9,000	15,000	18,000	(1,221,000)
Ending balance	(419,000)	(1,520,000)	(419,000)	(1,520,000)
Beginning balance	5,424,000	5,466,000	2,782,000	4,875,000
Other comprehensive income (loss) before reclassifications	1,784,000	(3,035,000)	4,426,000	(2,389,000)
Amounts reclassified from accumulated other comprehensive income	(111,000)	(16,000)	(111,000)	(71,000)
Net current-period other comprehensive income (loss)	1,673,000	(3,051,000)	4,315,000	(2,460,000)
Ending balance	$ 7,097,000	$ 2,415,000	$ 7,097,000	$ 2,415,000

Note 3 - Accumulated Other Co33

Note 3 - Accumulated Other Comprehensive Income - Amounts Reclassified out of Accumulated Other Comprehensive Income by Component (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Reclassification out of Accumulated Other Comprehensive Income [Member] | Accumulated Net Investment Gain (Loss) Attributable to Parent [Member]
Unrealized gains on available for sale investment securities	$ 185,000	$ 48,000	$ 199,000	$ 155,000
Income tax benefit (expense)	(65,000)	(17,000)	(70,000)	(54,000)
Net income	120,000	31,000	129,000	101,000
Reclassification out of Accumulated Other Comprehensive Income [Member] | Accumulated Defined Benefit Plans Adjustment Attributable to Parent [Member]
Income tax benefit (expense)	5,000	8,000	10,000	16,000
Net income	(9,000)	(15,000)	(18,000)	(30,000)
Prior service costs	(12,000)	(12,000)	(25,000)	(25,000)
Actuarial losses	(2,000)	(11,000)	(3,000)	(21,000)
	(14,000)	(23,000)	(28,000)	(46,000)
Reclassification out of Accumulated Other Comprehensive Income [Member]
Net income	111,000	16,000	111,000	71,000
Income tax benefit (expense)	(1,235,000)	(1,369,000)	(3,950,000)	(2,774,000)
Net income	3,556,000	3,332,000	9,736,000	7,181,000
	$ 4,791,000	$ 4,871,000	$ 13,686,000	$ 10,350,000

Note 5 - Net Income Per Commo34

Note 5 - Net Income Per Common Share - Net Income Per Common Share (Details) - USD ($) $ / shares in Units, shares in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Net income, basic and diluted	$ 3,556,000	$ 3,502,000	$ 9,736,000	$ 7,576,000
Less preferred stock dividends	0	170,000	0	395,000
Net income available to common shareholders, basic and diluted	$ 3,556,000	$ 3,332,000	$ 9,736,000	$ 7,181,000
Average common shares issued and outstanding, basic and diluted (in shares)	7,502	7,492	7,501	7,491
Net income per common share, basic and diluted (in dollars per share)	$ 0.47	$ 0.44	$ 1.30	$ 0.96

Note 6 - Investment Securitie35

Note 6 - Investment Securities (Details Textual) - USD ($)	Jun. 30, 2016	Dec. 31, 2015
Single Issuer Corporate Debt Security [Member]
Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax	$ 963,000	$ 793,000
Available-for-sale Securities	4,900,000
Available-for-sale Securities Pledged as Collateral	319,000,000	315,000,000
Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax	1,091,000	3,232,000
Available-for-sale Securities	$ 580,447,000	$ 582,202,000

Note 6 - Investment Securitie36

Note 6 - Investment Securities - The Amortized Costs and Estimated Fair Value of the Securities Portfolio (Details) - USD ($)	Jun. 30, 2016	Dec. 31, 2015
US Government-sponsored Enterprises Debt Securities [Member]
Available for Sale Securities - Amortized Cost	$ 127,090,000	$ 107,135,000
Available for Sale Securities - Gross Unrealized Gains	1,098,000	309,000
Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax	1,000	538,000
Available-for-sale Securities	128,187,000	106,906,000
US States and Political Subdivisions Debt Securities [Member]
Available for Sale Securities - Amortized Cost	129,594,000	147,875,000
Available for Sale Securities - Gross Unrealized Gains	3,314,000	2,604,000
Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax	25,000	213,000
Available-for-sale Securities	132,883,000	150,266,000
Held to Maturity Securities - Amortized Cost	3,585,000	3,611,000
Held to Maturity Securities - Gross Unrealized Gains	246,000	198,000
Held to Maturity Securities - Gross Unrealized Losses	0	0
Held to Maturity Securities - Estimated Fair Value	3,831,000	3,809,000
Residential Mortgage Backed Securities [Member]
Available for Sale Securities - Amortized Cost	279,691,000	294,140,000
Available for Sale Securities - Gross Unrealized Gains	7,788,000	5,210,000
Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax	88,000	1,489,000
Available-for-sale Securities	287,391,000	297,861,000
Commercial Mortgage Backed Securities [Member]
Available for Sale Securities - Amortized Cost	24,890,000	20,655,000
Available for Sale Securities - Gross Unrealized Gains	433,000	52,000
Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax	0	123,000
Available-for-sale Securities	25,323,000	20,584,000
Corporate Debt Securities [Member]
Available for Sale Securities - Amortized Cost	6,815,000	6,629,000
Available for Sale Securities - Gross Unrealized Gains	13,000	11,000
Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax	963,000	800,000
Available-for-sale Securities	5,865,000	5,840,000
Mutual Funds and Equity Securities [Member]
Available for Sale Securities - Amortized Cost	804,000	814,000
Available for Sale Securities - Gross Unrealized Gains	8,000	0
Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax	14,000	69,000
Available-for-sale Securities	798,000	745,000
Available for Sale Securities - Amortized Cost	568,884,000	577,248,000
Available for Sale Securities - Gross Unrealized Gains	12,654,000	8,186,000
Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax	1,091,000	3,232,000
Available-for-sale Securities	580,447,000	582,202,000
Held to Maturity Securities - Amortized Cost	3,585,000	3,611,000
Held to Maturity Securities - Estimated Fair Value	$ 3,831,000	$ 3,809,000

Note 6 - Investment Securitie37

Note 6 - Investment Securities - The Amortized Cost and Estimated Fair Value of the Securities Portfolio by Contractual Maturity (Details) - USD ($)	Jun. 30, 2016	Dec. 31, 2015
Available-for-sale, amortized cost, due in one year or less	$ 9,601,000
Available-for-sale, estimated fair value, due in one year or less	9,638,000
Held-to-maturity, amortized cost, due in one year or less	0
Held-to-maturity, estimated fair value, due in one year or less	0
Available-for-sale, amortized cost, due after one year through five years	164,845,000
Available-for-sale, estimated fair value, due after one year through five years	166,712,000
Held-to-maturity, amortized cost, due after one year through five years	0
Held-to-maturity, estimated fair value, due after one year through five years	0
Available-for-sale, amortized cost, due after five years through ten years	69,820,000
Available-for-sale, estimated fair value, due after five years through ten years	72,025,000
Held-to-maturity, amortized cost, due after five years through ten years	640,000
Held-to-maturity, estimated fair value, due after five years through ten years	743,000
Available-for-sale, amortized cost, due after ten years	19,233,000
Available-for-sale, estimated fair value, due after ten years	18,560,000
Held-to-maturity, amortized cost, due after ten years	2,945,000
Held-to-maturity, estimated fair value, due after ten years	3,088,000
Available-for-sale, amortized cost, mortgage-backed securities	304,581,000
Available-for-sale, estimated fair value, mortgage-backed securities	312,714,000
Held-to-maturity, amortized cost, mortgage-backed securities	0
Held-to-maturity, estimated fair value, mortgage-backed securities	0
Available-for-sale, amortized cost	568,080,000
Available-for-sale, estimated fair value	579,649,000
Held-to-maturity, amortized cost	3,585,000	$ 3,611,000
Held-to-maturity, estimated fair value	$ 3,831,000	$ 3,809,000

Note 6 - Investment Securitie38

Note 6 - Investment Securities - Gross Realized Gains and Losses on the Sale of Available for Sale Investment Securities (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Gross realized gains	$ 190	$ 50	$ 352	$ 180
Gross realized losses	59	5	138	15
Net realized gain	$ 131	$ 45	$ 214	$ 165

Note 6 - Investment Securitie39

Note 6 - Investment Securities - Investment Securities with Unrealized Losses Not Recognized in Income (Details) - USD ($)	Jun. 30, 2016	Dec. 31, 2015
US Government-sponsored Enterprises Debt Securities [Member]
Less than 12 Months Fair Value	$ 3,411,000	$ 57,927,000
Less than 12 Months Unrealized Losses	1,000	275,000
12 Months or More Fair Value	0	21,576,000
12 Months or More Unrealized Losses	0	263,000
Total Fair Value	3,411,000	79,503,000
Total Unrealized Losses	1,000	538,000
US States and Political Subdivisions Debt Securities [Member]
Less than 12 Months Fair Value	11,971,000	30,426,000
Less than 12 Months Unrealized Losses	22,000	123,000
12 Months or More Fair Value	1,681,000	8,276,000
12 Months or More Unrealized Losses	3,000	90,000
Total Fair Value	13,652,000	38,702,000
Total Unrealized Losses	25,000	213,000
Residential Mortgage Backed Securities [Member]
Less than 12 Months Fair Value	3,390,000	118,978,000
Less than 12 Months Unrealized Losses	7,000	851,000
12 Months or More Fair Value	7,100,000	21,723,000
12 Months or More Unrealized Losses	81,000	638,000
Total Fair Value	10,490,000	140,701,000
Total Unrealized Losses	88,000	1,489,000
Corporate Debt Securities [Member]
Less than 12 Months Fair Value	0	204,000
Less than 12 Months Unrealized Losses	0	6,000
12 Months or More Fair Value	4,940,000	5,155,000
12 Months or More Unrealized Losses	963,000	794,000
Total Fair Value	4,940,000	5,359,000
Total Unrealized Losses	963,000	800,000
Commercial Mortgage Backed Securities [Member]
Less than 12 Months Fair Value		10,882,000
Less than 12 Months Unrealized Losses		123,000
12 Months or More Fair Value		0
12 Months or More Unrealized Losses		0
Total Fair Value		10,882,000
Total Unrealized Losses		123,000
Mutual Funds and Equity Securities [Member]
Less than 12 Months Fair Value	126,000	481,000
Less than 12 Months Unrealized Losses	4,000	21,000
12 Months or More Fair Value	193,000	264,000
12 Months or More Unrealized Losses	10,000	48,000
Total Fair Value	319,000	745,000
Total Unrealized Losses	14,000	69,000
Less than 12 Months Fair Value	18,898,000	218,898,000
Less than 12 Months Unrealized Losses	34,000	1,399,000
12 Months or More Fair Value	13,914,000	56,994,000
12 Months or More Unrealized Losses	1,057,000	1,833,000
Total Fair Value	32,812,000	275,892,000
Total Unrealized Losses	$ 1,091,000	$ 3,232,000

Note 7 - Loans and Allowance 40

Note 7 - Loans and Allowance for Loan Losses (Details Textual)	3 Months Ended		6 Months Ended
	Jun. 30, 2015USD ($)	Mar. 31, 2015USD ($)	Jun. 30, 2016USD ($)	Jun. 30, 2015USD ($)	Dec. 31, 2015USD ($)
Purchased Loan at Discount [Member]
Financing Receivable, Modifications, Purchase Price Discount		$ 482,000
Financing Receivable Modification Discount in Percentage		15.00%
Financing Receivable, Modifications, Recorded Investment			$ 11,100,000
Percent of Total Restructed Loans			47.40%
TDR Financing Receivable [Member]
Allowance for Loan and Lease Losses, Period Increase (Decrease)	$ 356,000			$ 356,000
Financing Receivables, Impaired, Troubled Debt Restructuring, Write-down	$ 0			$ 0
Allowance for Credit Losses, Change in Method of Calculating Impairment			$ 1,800,000		$ 1,900,000
Loans and Leases Receivable, Impaired, Commitment to Lend			$ 0		0
Financing Receivable, Modifications, Number of Contracts	3		0	3
Financing Receivable, Modifications, Recorded Investment			$ 23,444,000		$ 23,831,000
Financing Receivable, Modifications, Subsequent Default, Number of Contracts			0	0

Note 7 - Loans and Allowance 41

Note 7 - Loans and Allowance for Loan Losses - Major Classifications of Loans (Details) - USD ($)	Jun. 30, 2016	Dec. 31, 2015
Real Estate Portfolio Segment [Member] | Real Estate Construction and Land Development [Member]
Loan receivable	$ 109,403,000	$ 115,516,000
Loans, net of unearned income	109,403,000	115,516,000
Real Estate Portfolio Segment [Member] | Real Estate Mortgage Residential [Member]
Loan receivable	346,288,000	355,134,000
Loans, net of unearned income	346,288,000	355,134,000
Real Estate Portfolio Segment [Member] | Real Estate Mortgage Farmland and Other Commercial Enterprises [Member]
Loan receivable	402,692,000	386,386,000
Loans, net of unearned income	402,692,000	386,386,000
Real Estate Portfolio Segment [Member]
Loans, net of unearned income	858,383,000	857,036,000
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Loan receivable	46,689,000	48,379,000
Loans, net of unearned income	46,689,000	48,379,000
Commercial Portfolio Segment [Member] | States and Political Subdivisions [Member]
Loan receivable	20,215,000	17,643,000
Loans, net of unearned income	20,215,000	17,643,000
Commercial Portfolio Segment [Member] | Commercial Other [Member]
Loan receivable	22,501,000	23,798,000
Loans, net of unearned income	22,501,000	23,798,000
Commercial Portfolio Segment [Member]
Loans, net of unearned income	89,405,000	89,820,000
Consumer Portfolio Segment [Member] | Consumer Secured [Member]
Loan receivable	4,557,000	6,665,000
Loans, net of unearned income	4,557,000	6,665,000
Consumer Portfolio Segment [Member] | Consumer Unsecured [Member]
Loan receivable	5,081,000	5,754,000
Loans, net of unearned income	5,081,000	5,754,000
Consumer Portfolio Segment [Member]
Loans, net of unearned income	9,638,000	12,419,000
Loan receivable	957,426,000	959,275,000
Less unearned income	0	0
Loans, net of unearned income	$ 957,426,000	$ 959,275,000

Note 7 - Loans and Allowance 42

Note 7 - Loans and Allowance for Loan Losses - Activity in the Allowance for Loan Losses (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Real Estate Portfolio Segment [Member]
Balance, beginning of period	$ 8,709,000	$ 11,522,000	$ 9,173,000	$ 12,542,000
Provision for loan losses	(147,000)	(576,000)	(600,000)	(1,787,000)
Recoveries	50,000	52,000	102,000	338,000
Loans charged off	(208,000)	(192,000)	(271,000)	(287,000)
Balance, end of period	8,404,000	10,806,000	8,404,000	10,806,000
Commercial Portfolio Segment [Member]
Balance, beginning of period	839,000	866,000	820,000	1,153,000
Provision for loan losses	(4,000)	189,000	(10,000)	(101,000)
Recoveries	19,000	15,000	55,000	31,000
Loans charged off	(48,000)	(13,000)	(59,000)	(26,000)
Balance, end of period	806,000	1,057,000	806,000	1,057,000
Consumer Portfolio Segment [Member]
Balance, beginning of period	280,000	218,000	322,000	273,000
Provision for loan losses	(5,000)	123,000	(19,000)	79,000
Recoveries	11,000	26,000	43,000	63,000
Loans charged off	(11,000)	(31,000)	(71,000)	(79,000)
Balance, end of period	275,000	336,000	275,000	336,000
Balance, beginning of period	9,828,000	12,606,000	10,315,000	13,968,000
Provision for loan losses	(156,000)	(264,000)	(629,000)	(1,809,000)
Recoveries	80,000	93,000	200,000	432,000
Loans charged off	(267,000)	(236,000)	(401,000)	(392,000)
Balance, end of period	$ 9,485,000	$ 12,199,000	$ 9,485,000	$ 12,199,000

Note 7 - Loans and Allowance 43

Note 7 - Loans and Allowance for Loan Losses - Individually Impaired Loans by Class of Loans (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015	Dec. 31, 2015
Real Estate Portfolio Segment [Member] | Real Estate Construction and Land Development [Member]
Unpaid principal balance	$ 9,602		$ 9,602		$ 9,932
Recorded investment with no allowance	3,090		3,090		3,875
Recorded investment with allowance	3,849		3,849		3,372
Total recorded investment	6,939		6,939		7,247
Allowance for loan losses allocated	598		598		556
Average	8,832	$ 10,388	8,562	$ 10,754
Interest income recognized	108	135	155	216
Cash basis interest recognized	96	131	143	211
Real Estate Portfolio Segment [Member] | Real Estate Mortgage Residential [Member]
Unpaid principal balance	9,032		9,032		8,655
Recorded investment with no allowance	3,347		3,347		2,502
Recorded investment with allowance	5,716		5,716		6,024
Total recorded investment	9,063		9,063		8,526
Allowance for loan losses allocated	1,500		1,500		1,278
Average	8,619	10,739	8,827	10,597
Interest income recognized	109	134	212	255
Cash basis interest recognized	88	122	187	243
Real Estate Portfolio Segment [Member] | Real Estate Mortgage Farmland and Other Commercial Enterprises [Member]
Unpaid principal balance	26,838		26,838		20,980
Recorded investment with no allowance	10,879		10,879		4,149
Recorded investment with allowance	15,855		15,855		16,703
Total recorded investment	26,734		26,734		20,852
Allowance for loan losses allocated	454		454		681
Average	26,985	22,426	25,388	23,913
Interest income recognized	368	245	637	525
Cash basis interest recognized	353	242	616	519
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Unpaid principal balance	411		411		399
Recorded investment with no allowance	22		22		0
Recorded investment with allowance	389		389		400
Total recorded investment	411		411		400
Allowance for loan losses allocated	211		211		223
Average	410	805	415	621
Interest income recognized	7	5	11	6
Cash basis interest recognized	7	5	11	6
Consumer Portfolio Segment [Member] | Consumer Unsecured [Member]
Unpaid principal balance	151		151		156
Recorded investment with no allowance	0		0		0
Recorded investment with allowance	151		151		157
Total recorded investment	151		151		157
Allowance for loan losses allocated	151		151		156
Average	150	167	153	96
Interest income recognized	1	2	3	2
Cash basis interest recognized	1	2	2	2
Unpaid principal balance	46,034		46,034		40,122
Recorded investment with no allowance	17,338		17,338		10,526
Recorded investment with allowance	25,960		25,960		26,656
Total recorded investment	43,298		43,298		37,182
Allowance for loan losses allocated	2,914		2,914		$ 2,894
Average	44,996	44,525	43,345	45,981
Interest income recognized	593	521	1,018	1,004
Cash basis interest recognized	$ 545	$ 502	$ 959	$ 981

Note 7 - Loans and Allowance 44

Note 7 - Loans and Allowance for Loan Losses - Allowance for Loan Losses and the Recorded Investment in Loans by Impairment Method (Details) - USD ($)	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014
Real Estate Portfolio Segment [Member]
Individually evaluated for impairment	$ 2,552,000		$ 2,515,000
Collectively evaluated for impairment	5,852,000		6,658,000
Total ending allowance balance	8,404,000	$ 8,709,000	9,173,000	$ 10,806,000	$ 11,522,000	$ 12,542,000
Loans individually evaluated for impairment	42,736,000		36,625,000
Loans collectively evaluated for impairment	815,647,000		820,411,000
Loans, net of unearned income	858,383,000		857,036,000
Commercial Portfolio Segment [Member]
Individually evaluated for impairment	211,000		223,000
Collectively evaluated for impairment	595,000		597,000
Total ending allowance balance	806,000	839,000	820,000	1,057,000	866,000	1,153,000
Loans individually evaluated for impairment	411,000		400,000
Loans collectively evaluated for impairment	88,994,000		89,420,000
Loans, net of unearned income	89,405,000		89,820,000
Consumer Portfolio Segment [Member]
Individually evaluated for impairment	151,000		156,000
Collectively evaluated for impairment	124,000		166,000
Total ending allowance balance	275,000	280,000	322,000	336,000	218,000	273,000
Loans individually evaluated for impairment	151,000		157,000
Loans collectively evaluated for impairment	9,487,000		12,262,000
Loans, net of unearned income	9,638,000		12,419,000
Individually evaluated for impairment	2,914,000		2,894,000
Collectively evaluated for impairment	6,571,000		7,421,000
Total ending allowance balance	9,485,000	$ 9,828,000	10,315,000	$ 12,199,000	$ 12,606,000	$ 13,968,000
Loans individually evaluated for impairment	43,298,000		37,182,000
Loans collectively evaluated for impairment	914,128,000		922,093,000
Loans, net of unearned income	$ 957,426,000		$ 959,275,000

Note 7 - Loans and Allowance 45

Note 7 - Loans and Allowance for Loan Losses - Recorded Investment in Nonperforming Loans by Class of Loans (Details) - USD ($)	Jun. 30, 2016	Dec. 31, 2015
Real Estate Portfolio Segment [Member] | Real Estate Construction and Land Development [Member]
Nonaccrual	$ 1,023,000	$ 1,567,000
Restructured Loans	3,660,000	3,674,000
Loans Past Due 90 Days or More and Still Accruing	0	0
Real Estate Portfolio Segment [Member] | Real Estate Mortgage Residential [Member]
Nonaccrual	2,268,000	2,485,000
Restructured Loans	4,073,000	4,127,000
Loans Past Due 90 Days or More and Still Accruing	0	0
Real Estate Portfolio Segment [Member] | Real Estate Mortgage Farmland and Other Commercial Enterprises [Member]
Nonaccrual	3,034,000	4,266,000
Restructured Loans	15,192,000	15,503,000
Loans Past Due 90 Days or More and Still Accruing	0	0
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Nonaccrual	59,000	44,000
Restructured Loans	380,000	384,000
Loans Past Due 90 Days or More and Still Accruing	0	0
Commercial Portfolio Segment [Member] | Commercial Other [Member]
Nonaccrual	6,000	8,000
Restructured Loans	0	0
Loans Past Due 90 Days or More and Still Accruing	0	0
Consumer Portfolio Segment [Member] | Consumer Secured [Member]
Nonaccrual	7,000	10,000
Restructured Loans	0	0
Loans Past Due 90 Days or More and Still Accruing	0	0
Consumer Portfolio Segment [Member] | Consumer Unsecured [Member]
Nonaccrual	0	0
Restructured Loans	139,000	143,000
Loans Past Due 90 Days or More and Still Accruing	2,000	0
Nonaccrual	6,397,000	8,380,000
Restructured Loans	23,444,000	23,831,000
Loans Past Due 90 Days or More and Still Accruing	$ 2,000	$ 0

Note 7 - Loans and Allowance 46

Note 7 - Loans and Allowance for Loan Losses - Troubled Debt Restructurings (Details) $ in Thousands	3 Months Ended	6 Months Ended
	Jun. 30, 2015USD ($)	Jun. 30, 2016	Jun. 30, 2015USD ($)
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Financing Receivable, Modifications, Number of Contracts	2		2
Pre-modification outstanding recorded investment	$ 388		$ 388
Post-modification outstanding recorded investment	$ 388		$ 388
Consumer Portfolio Segment [Member] | Consumer Secured [Member]
Financing Receivable, Modifications, Number of Contracts	1		1
Pre-modification outstanding recorded investment	$ 145		$ 145
Post-modification outstanding recorded investment	$ 145		$ 145
Financing Receivable, Modifications, Number of Contracts	3	0	3
Pre-modification outstanding recorded investment	$ 533		$ 533
Post-modification outstanding recorded investment	$ 533		$ 533

Note 7 - Loans and Allowance 47

Note 7 - Loans and Allowance for Loan Losses - Aging Analysis of Loans (Details) - USD ($)	Jun. 30, 2016	Dec. 31, 2015
Real Estate Portfolio Segment [Member] | Real Estate Construction and Land Development [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, past due	$ 0	$ 0
Real Estate Portfolio Segment [Member] | Real Estate Construction and Land Development [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, past due	227,000	227,000
Real Estate Portfolio Segment [Member] | Real Estate Construction and Land Development [Member]
Loans, past due	227,000	227,000
Loans, current	109,176,000	115,289,000
Loans, net of unearned income	109,403,000	115,516,000
Real Estate Portfolio Segment [Member] | Real Estate Mortgage Residential [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, past due	1,216,000	421,000
Real Estate Portfolio Segment [Member] | Real Estate Mortgage Residential [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, past due	1,096,000	1,448,000
Real Estate Portfolio Segment [Member] | Real Estate Mortgage Residential [Member]
Loans, past due	2,312,000	1,869,000
Loans, current	343,976,000	353,265,000
Loans, net of unearned income	346,288,000	355,134,000
Real Estate Portfolio Segment [Member] | Real Estate Mortgage Farmland and Other Commercial Enterprises [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, past due	1,733,000	42,000
Real Estate Portfolio Segment [Member] | Real Estate Mortgage Farmland and Other Commercial Enterprises [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, past due	1,699,000	2,376,000
Real Estate Portfolio Segment [Member] | Real Estate Mortgage Farmland and Other Commercial Enterprises [Member]
Loans, past due	3,432,000	2,418,000
Loans, current	399,260,000	383,968,000
Loans, net of unearned income	402,692,000	386,386,000
Real Estate Portfolio Segment [Member]
Loans, net of unearned income	858,383,000	857,036,000
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, past due	3,000	42,000
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, past due	59,000	43,000
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Loans, past due	62,000	85,000
Loans, current	46,627,000	48,294,000
Loans, net of unearned income	46,689,000	48,379,000
Commercial Portfolio Segment [Member] | States and Political Subdivisions [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, past due	0	0
Commercial Portfolio Segment [Member] | States and Political Subdivisions [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, past due	0	0
Commercial Portfolio Segment [Member] | States and Political Subdivisions [Member]
Loans, past due	0	0
Loans, current	20,215,000	17,643,000
Loans, net of unearned income	20,215,000	17,643,000
Commercial Portfolio Segment [Member] | Commercial Other [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, past due	13,000	62,000
Commercial Portfolio Segment [Member] | Commercial Other [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, past due	0	0
Commercial Portfolio Segment [Member] | Commercial Other [Member]
Loans, past due	13,000	62,000
Loans, current	22,488,000	23,736,000
Loans, net of unearned income	22,501,000	23,798,000
Commercial Portfolio Segment [Member]
Loans, net of unearned income	89,405,000	89,820,000
Consumer Portfolio Segment [Member] | Consumer Secured [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, past due	27,000	9,000
Consumer Portfolio Segment [Member] | Consumer Secured [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, past due	0	1,000
Consumer Portfolio Segment [Member] | Consumer Secured [Member]
Loans, past due	27,000	10,000
Loans, current	4,530,000	6,655,000
Loans, net of unearned income	4,557,000	6,665,000
Consumer Portfolio Segment [Member] | Consumer Unsecured [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Loans, past due	1,000	18,000
Consumer Portfolio Segment [Member] | Consumer Unsecured [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, past due	2,000	0
Consumer Portfolio Segment [Member] | Consumer Unsecured [Member]
Loans, past due	3,000	18,000
Loans, current	5,078,000	5,736,000
Loans, net of unearned income	5,081,000	5,754,000
Consumer Portfolio Segment [Member]
Loans, net of unearned income	9,638,000	12,419,000
Financing Receivables 30 to 89 Days Past Due [Member]
Loans, past due	2,993,000	594,000
Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans, past due	3,083,000	4,095,000
Loans, past due	6,076,000	4,689,000
Loans, current	951,350,000	954,586,000
Loans, net of unearned income	$ 957,426,000	$ 959,275,000

Note 7 - Loans and Allowance 48

Note 7 - Loans and Allowance for Loan Losses - Risk Category of Loans by Class (Details) - USD ($)	Jun. 30, 2016	Dec. 31, 2015
Pass [Member] | Real Estate Portfolio Segment [Member] | Real Estate Construction and Land Development [Member]
Loans, net of unearned income	$ 100,635,000	$ 104,383,000
Pass [Member] | Real Estate Portfolio Segment [Member] | Real Estate Mortgage Residential [Member]
Loans, net of unearned income	317,175,000	324,333,000
Pass [Member] | Real Estate Portfolio Segment [Member] | Real Estate Mortgage Farmland and Other Commercial Enterprises [Member]
Loans, net of unearned income	364,031,000	343,894,000
Pass [Member] | Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Loans, net of unearned income	45,326,000	46,934,000
Pass [Member] | Commercial Portfolio Segment [Member] | States and Political Subdivisions [Member]
Loans, net of unearned income	20,215,000	17,643,000
Pass [Member] | Commercial Portfolio Segment [Member] | Commercial Other [Member]
Loans, net of unearned income	22,501,000	23,777,000
Special Mention [Member] | Real Estate Portfolio Segment [Member] | Real Estate Construction and Land Development [Member]
Loans, net of unearned income	1,431,000	1,651,000
Special Mention [Member] | Real Estate Portfolio Segment [Member] | Real Estate Mortgage Residential [Member]
Loans, net of unearned income	15,238,000	16,225,000
Special Mention [Member] | Real Estate Portfolio Segment [Member] | Real Estate Mortgage Farmland and Other Commercial Enterprises [Member]
Loans, net of unearned income	20,545,000	22,859,000
Special Mention [Member] | Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Loans, net of unearned income	865,000	937,000
Special Mention [Member] | Commercial Portfolio Segment [Member] | States and Political Subdivisions [Member]
Loans, net of unearned income	0	0
Special Mention [Member] | Commercial Portfolio Segment [Member] | Commercial Other [Member]
Loans, net of unearned income	0	0
Substandard [Member] | Real Estate Portfolio Segment [Member] | Real Estate Construction and Land Development [Member]
Loans, net of unearned income	7,337,000	9,482,000
Substandard [Member] | Real Estate Portfolio Segment [Member] | Real Estate Mortgage Residential [Member]
Loans, net of unearned income	13,875,000	14,576,000
Substandard [Member] | Real Estate Portfolio Segment [Member] | Real Estate Mortgage Farmland and Other Commercial Enterprises [Member]
Loans, net of unearned income	18,116,000	19,633,000
Substandard [Member] | Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Loans, net of unearned income	498,000	508,000
Substandard [Member] | Commercial Portfolio Segment [Member] | States and Political Subdivisions [Member]
Loans, net of unearned income	0	0
Substandard [Member] | Commercial Portfolio Segment [Member] | Commercial Other [Member]
Loans, net of unearned income	0	21,000
Doubtful [Member] | Real Estate Portfolio Segment [Member] | Real Estate Construction and Land Development [Member]
Loans, net of unearned income	0	0
Doubtful [Member] | Real Estate Portfolio Segment [Member] | Real Estate Mortgage Residential [Member]
Loans, net of unearned income	0	0
Doubtful [Member] | Real Estate Portfolio Segment [Member] | Real Estate Mortgage Farmland and Other Commercial Enterprises [Member]
Loans, net of unearned income	0	0
Doubtful [Member] | Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Loans, net of unearned income	0	0
Doubtful [Member] | Commercial Portfolio Segment [Member] | States and Political Subdivisions [Member]
Loans, net of unearned income	0	0
Doubtful [Member] | Commercial Portfolio Segment [Member] | Commercial Other [Member]
Loans, net of unearned income	0	0
Real Estate Portfolio Segment [Member] | Real Estate Construction and Land Development [Member]
Loans, net of unearned income	109,403,000	115,516,000
Real Estate Portfolio Segment [Member] | Real Estate Mortgage Residential [Member]
Loans, net of unearned income	346,288,000	355,134,000
Real Estate Portfolio Segment [Member] | Real Estate Mortgage Farmland and Other Commercial Enterprises [Member]
Loans, net of unearned income	402,692,000	386,386,000
Real Estate Portfolio Segment [Member]
Loans, net of unearned income	858,383,000	857,036,000
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Loans, net of unearned income	46,689,000	48,379,000
Commercial Portfolio Segment [Member] | States and Political Subdivisions [Member]
Loans, net of unearned income	20,215,000	17,643,000
Commercial Portfolio Segment [Member] | Commercial Other [Member]
Loans, net of unearned income	22,501,000	23,798,000
Commercial Portfolio Segment [Member]
Loans, net of unearned income	89,405,000	89,820,000
Loans, net of unearned income	$ 957,426,000	$ 959,275,000

Note 7 - Loans and Allowance 49

Note 7 - Loans and Allowance for Loan Losses - Risk Category of Loans by Class-Consumer (Details) - USD ($)	Jun. 30, 2016	Dec. 31, 2015
Performing Financial Instruments [Member] | Consumer Portfolio Segment [Member] | Consumer Secured [Member]
Loans, net of unearned income	$ 4,550,000	$ 6,655,000
Performing Financial Instruments [Member] | Consumer Portfolio Segment [Member] | Consumer Unsecured [Member]
Loans, net of unearned income	4,940,000	5,611,000
Nonperforming Financial Instruments [Member] | Consumer Portfolio Segment [Member] | Consumer Secured [Member]
Loans, net of unearned income	7,000	10,000
Nonperforming Financial Instruments [Member] | Consumer Portfolio Segment [Member] | Consumer Unsecured [Member]
Loans, net of unearned income	141,000	143,000
Consumer Portfolio Segment [Member] | Consumer Secured [Member]
Loans, net of unearned income	4,557,000	6,665,000
Consumer Portfolio Segment [Member] | Consumer Unsecured [Member]
Loans, net of unearned income	5,081,000	5,754,000
Consumer Portfolio Segment [Member]
Loans, net of unearned income	9,638,000	12,419,000
Loans, net of unearned income	$ 957,426,000	$ 959,275,000

Note 8 - Other Real Estate Ow50

Note 8 - Other Real Estate Owned (Details Textual) $ in Thousands	Jun. 30, 2016USD ($)
Mortgage Loans in Process of Foreclosure, Amount	$ 448

Note 8 - Other Real Estate Ow51

Note 8 - Other Real Estate Owned - Other Real Estate Owned (Details) - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015	Jun. 30, 2015	Dec. 31, 2014
Construction and Land Development OREO [Member]
Other Real Estate Owned	$ 8,315	$ 12,997
Residential Real Estate OREO [Member]
Other Real Estate Owned	873	960
Farmland and Other Commercial Enterprises OREO [Member]
Other Real Estate Owned	7,745	7,886
OREO [Member]
Other Real Estate Owned	16,933	21,843
Other Real Estate Owned	$ 16,933	$ 21,843	$ 26,214	$ 31,960

Note 8 - Other Real Estate Ow52

Note 8 - Other Real Estate Owned - OREO Activity (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015
Beginning balance	$ 21,843	$ 31,960
Transfers from loans and other increases	1,474	475
Proceeds from sales	(5,527)	(5,664)
(Loss) gain on sales, net	(125)	9
Write downs and other decreases, net	(732)	(566)
Ending balance	$ 16,933	$ 26,214

Note 9 - Securities Sold Unde53

Note 9 - Securities Sold Under Agreements to Repurchase - Maturity of Short and Long-Term Repurchase Agreements (Details)	Jun. 30, 2016USD ($)
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Maturity Overnight [Member]
Short and long-term purchase agreements	$ 30,180,000
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Maturity Less than 30 Days [Member]
Short and long-term purchase agreements	1,200,000
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Maturity 30 to 90 Days [Member]
Short and long-term purchase agreements	0
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Maturity 90 Days to One Year [Member]
Short and long-term purchase agreements	457,000
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Maturity Over One Year to Four Years [Member]
Short and long-term purchase agreements	101,024,000
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Short and long-term purchase agreements	132,861,000
Maturity Overnight [Member]
Short and long-term purchase agreements	30,180,000
Maturity Less than 30 Days [Member]
Short and long-term purchase agreements	1,200,000
Maturity 30 to 90 Days [Member]
Short and long-term purchase agreements	0
Maturity 90 Days to One Year [Member]
Short and long-term purchase agreements	457,000
Maturity Over One Year to Four Years [Member]
Short and long-term purchase agreements	101,024,000
Short and long-term purchase agreements	$ 132,861,000

Note 10 - Postretirement Medi54

Note 10 - Postretirement Medical Benefits (Details Textual) $ in Thousands	3 Months Ended	6 Months Ended
	Jun. 30, 2016USD ($)	Jun. 30, 2016USD ($)
Plan 2 [Member]
Employee Service Requirement		20 years
Employee Age Requirement		55 years
Contributions Plan 2	50.00%	50.00%
Plan 1 [Member]
Company Contributions Plan 1	100.00%	100.00%
Defined Benefit Plans, Estimated Future Employer Contributions in Next Fiscal Year		$ 393
Other Postretirement Benefits Payments	$ 78	$ 158

Note 10 - Postretirement Medi55

Note 10 - Postretirement Medical Benefits - Net Periodic Benefit Cost (Details) - Postretirement Medical Benefits [Member] - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Service cost	$ 159,000	$ 184,000	$ 318,000	$ 369,000
Interest cost	171,000	163,000	342,000	325,000
Recognized prior service cost	12,000	12,000	25,000	25,000
Recognized net actuarial loss (gain)	0	11,000	0	21,000
Net periodic benefit cost	$ 342,000	$ 370,000	$ 685,000	$ 740,000

Note 11 - Regulatory Matters -

Note 11 - Regulatory Matters - Regulatory Ratios of the Consolidated Company and Its Subsidiary Banks (Details)		Jun. 30, 2016	Dec. 31, 2015
Consolidated Entities [Member]
Common Equity Tier 1 Risk-based Capital	[1]	15.89%	14.91%
Tier 1 Risk-based Capital	[1]	18.74%	19.00%
Total Risk-based Capital	[1]	19.56%	19.89%
Tier 1 Leverage	[2]	12.13%	12.46%
Farmers Bank [Member]
Common Equity Tier 1 Risk-based Capital	[1]	15.87%	15.57%
Tier 1 Risk-based Capital	[1]	15.87%	15.57%
Total Risk-based Capital	[1]	16.58%	16.35%
Tier 1 Leverage	[2]	9.17%	9.20%
United Bank [Member]
Common Equity Tier 1 Risk-based Capital	[1]	17.23%	18.67%
Tier 1 Risk-based Capital	[1]	17.23%	18.67%
Total Risk-based Capital	[1]	18.20%	19.68%
Tier 1 Leverage	[2]	12.05%	12.89%
First Citizens Bank [Member]
Common Equity Tier 1 Risk-based Capital	[1]	13.80%	13.55%
Tier 1 Risk-based Capital	[1]	13.80%	13.55%
Total Risk-based Capital	[1]	14.41%	14.17%
Tier 1 Leverage	[2]	9.63%	9.20%
Citizens Northern [Member]
Common Equity Tier 1 Risk-based Capital	[1]	14.72%	14.42%
Tier 1 Risk-based Capital	[1]	14.72%	14.42%
Total Risk-based Capital	[1]	15.82%	15.67%
Tier 1 Leverage	[2]	10.25%	10.79%
[1]	Common Equity Tier 1 Risked-based, Tier 1 Risk-based, and Total Risk-based Capital ratios are computed by dividing a bank's Common Equity Tier 1, Tier 1 or Total Capital, as defined by regulation, by a risk-weighted sum of the bank's assets, with the risk weighting determined by general standards established by regulation.
[2]	Tier 1 Leverage ratio is computed by dividing a bank's Tier 1 Capital by its total quarterly average assets, as defined by regulation.

Note 12 - Fair Value Measurem57

Note 12 - Fair Value Measurements (Details Textual) - USD ($)	Jun. 30, 2016	Dec. 31, 2015
Financial Standby Letter of Credit [Member]
Loans and Leases Receivable, Deferred Income	$ 0
Fair Value Disclosure, Off-balance Sheet Risks, Amount, Liability	0
Commitments to Extend Credit [Member]
Loans and Leases Receivable, Deferred Income	0
Fair Value Disclosure, Off-balance Sheet Risks, Amount, Liability	0
Money Market Funds [Member] | Fair Value, Inputs, Level 1 [Member]
Assets, Fair Value Disclosure	17,000,000
Money Market Funds, at Carrying Value	17,007,000	$ 11,000,000
Loans and Leases Receivable, Deferred Income	$ 0	$ 0

Note 12 - Fair Value Measurem58

Note 12 - Fair Value Measurements - Available for Sale Investment Securities Measured at Fair Value on a Recurring Basis (Details) - USD ($)	Jun. 30, 2016	Dec. 31, 2015
US Government-sponsored Enterprises Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Available-for-sale Securities	$ 0	$ 0
US Government-sponsored Enterprises Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Available-for-sale Securities	128,187,000	106,906,000
US Government-sponsored Enterprises Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Available-for-sale Securities	0	0
US Government-sponsored Enterprises Debt Securities [Member]
Available-for-sale Securities	128,187,000	106,906,000
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Available-for-sale Securities	0	0
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Available-for-sale Securities	132,883,000	150,266,000
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Available-for-sale Securities	0	0
US States and Political Subdivisions Debt Securities [Member]
Available-for-sale Securities	132,883,000	150,266,000
Residential Mortgage Backed Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Available-for-sale Securities	0	0
Residential Mortgage Backed Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Available-for-sale Securities	287,391,000	297,861,000
Residential Mortgage Backed Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Available-for-sale Securities	0	0
Residential Mortgage Backed Securities [Member]
Available-for-sale Securities	287,391,000	297,861,000
Commercial Mortgage Backed Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Available-for-sale Securities	0	0
Commercial Mortgage Backed Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Available-for-sale Securities	25,323,000	20,584,000
Commercial Mortgage Backed Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Available-for-sale Securities	0	0
Commercial Mortgage Backed Securities [Member]
Available-for-sale Securities	25,323,000	20,584,000
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Available-for-sale Securities	0	0
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Available-for-sale Securities	5,865,000	5,840,000
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Available-for-sale Securities	0	0
Corporate Debt Securities [Member]
Available-for-sale Securities	5,865,000	5,840,000
Mutual Funds and Equity Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Available-for-sale Securities	798,000	745,000
Mutual Funds and Equity Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Available-for-sale Securities	0	0
Mutual Funds and Equity Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Available-for-sale Securities	0	0
Mutual Funds and Equity Securities [Member]
Available-for-sale Securities	798,000	745,000
Fair Value, Inputs, Level 1 [Member]
Available-for-sale Securities	798,000	745,000
Fair Value, Inputs, Level 2 [Member]
Available-for-sale Securities	579,649,000	581,457,000
Fair Value, Inputs, Level 3 [Member]
Available-for-sale Securities	0	0
Available-for-sale Securities	$ 580,447,000	$ 582,202,000

Note 12 - Fair Value Measurem59

Note 12 - Fair Value Measurements - Assets Measured at Fair Value on a Nonrecurring Basis (Details) - USD ($)	Jun. 30, 2016	Dec. 31, 2015
Impaired Loans [Member] | Real Estate Portfolio Segment [Member] | Real Estate Mortgage Farmland and Other Commercial Enterprises [Member] | Fair Value, Inputs, Level 1 [Member]
Assets fair value, nonrecurring	$ 0
Impaired Loans [Member] | Real Estate Portfolio Segment [Member] | Real Estate Mortgage Farmland and Other Commercial Enterprises [Member] | Fair Value, Inputs, Level 2 [Member]
Assets fair value, nonrecurring	0
Impaired Loans [Member] | Real Estate Portfolio Segment [Member] | Real Estate Mortgage Farmland and Other Commercial Enterprises [Member] | Fair Value, Inputs, Level 3 [Member]
Assets fair value, nonrecurring	168,000
Impaired Loans [Member] | Real Estate Portfolio Segment [Member] | Real Estate Mortgage Farmland and Other Commercial Enterprises [Member]
Assets fair value, nonrecurring	168,000
Impaired Loans [Member] | Real Estate Portfolio Segment [Member] | Real Estate Construction and Land Development [Member] | Fair Value, Inputs, Level 1 [Member]
Assets fair value, nonrecurring		$ 0
Impaired Loans [Member] | Real Estate Portfolio Segment [Member] | Real Estate Construction and Land Development [Member] | Fair Value, Inputs, Level 2 [Member]
Assets fair value, nonrecurring		0
Impaired Loans [Member] | Real Estate Portfolio Segment [Member] | Real Estate Construction and Land Development [Member] | Fair Value, Inputs, Level 3 [Member]
Assets fair value, nonrecurring		2,908,000
Impaired Loans [Member] | Real Estate Portfolio Segment [Member] | Real Estate Construction and Land Development [Member]
Assets fair value, nonrecurring		2,908,000
Impaired Loans [Member] | Real Estate Portfolio Segment [Member] | Real Estate Mortgage Residential [Member] | Fair Value, Inputs, Level 1 [Member]
Assets fair value, nonrecurring		0
Impaired Loans [Member] | Real Estate Portfolio Segment [Member] | Real Estate Mortgage Residential [Member] | Fair Value, Inputs, Level 2 [Member]
Assets fair value, nonrecurring		0
Impaired Loans [Member] | Real Estate Portfolio Segment [Member] | Real Estate Mortgage Residential [Member] | Fair Value, Inputs, Level 3 [Member]
Assets fair value, nonrecurring		3,720,000
Impaired Loans [Member] | Real Estate Portfolio Segment [Member] | Real Estate Mortgage Residential [Member]
Assets fair value, nonrecurring		3,720,000
Impaired Loans [Member] | Fair Value, Inputs, Level 1 [Member]
Assets fair value, nonrecurring	0	0
Impaired Loans [Member] | Fair Value, Inputs, Level 2 [Member]
Assets fair value, nonrecurring	0	0
Impaired Loans [Member] | Fair Value, Inputs, Level 3 [Member]
Assets fair value, nonrecurring	168,000	6,628,000
Impaired Loans [Member]
Assets fair value, nonrecurring	168,000	6,628,000
OREO [Member] | Real Estate Portfolio Segment [Member] | Real Estate Mortgage Farmland and Other Commercial Enterprises [Member] | Fair Value, Inputs, Level 1 [Member]
Assets fair value, nonrecurring	0	0
OREO [Member] | Real Estate Portfolio Segment [Member] | Real Estate Mortgage Farmland and Other Commercial Enterprises [Member] | Fair Value, Inputs, Level 2 [Member]
Assets fair value, nonrecurring	0	0
OREO [Member] | Real Estate Portfolio Segment [Member] | Real Estate Mortgage Farmland and Other Commercial Enterprises [Member] | Fair Value, Inputs, Level 3 [Member]
Assets fair value, nonrecurring	1,202,000	2,868,000
OREO [Member] | Real Estate Portfolio Segment [Member] | Real Estate Mortgage Farmland and Other Commercial Enterprises [Member]
Assets fair value, nonrecurring	1,202,000	2,868,000
OREO [Member] | Real Estate Portfolio Segment [Member] | Real Estate Construction and Land Development [Member] | Fair Value, Inputs, Level 1 [Member]
Assets fair value, nonrecurring	0	0
OREO [Member] | Real Estate Portfolio Segment [Member] | Real Estate Construction and Land Development [Member] | Fair Value, Inputs, Level 2 [Member]
Assets fair value, nonrecurring	0	0
OREO [Member] | Real Estate Portfolio Segment [Member] | Real Estate Construction and Land Development [Member] | Fair Value, Inputs, Level 3 [Member]
Assets fair value, nonrecurring	2,170,000	2,252,000
OREO [Member] | Real Estate Portfolio Segment [Member] | Real Estate Construction and Land Development [Member]
Assets fair value, nonrecurring	2,170,000	2,252,000
OREO [Member] | Real Estate Portfolio Segment [Member] | Real Estate Mortgage Residential [Member] | Fair Value, Inputs, Level 1 [Member]
Assets fair value, nonrecurring	0	0
OREO [Member] | Real Estate Portfolio Segment [Member] | Real Estate Mortgage Residential [Member] | Fair Value, Inputs, Level 2 [Member]
Assets fair value, nonrecurring	0	0
OREO [Member] | Real Estate Portfolio Segment [Member] | Real Estate Mortgage Residential [Member] | Fair Value, Inputs, Level 3 [Member]
Assets fair value, nonrecurring	69,000	406,000
OREO [Member] | Real Estate Portfolio Segment [Member] | Real Estate Mortgage Residential [Member]
Assets fair value, nonrecurring	69,000	406,000
OREO [Member] | Fair Value, Inputs, Level 1 [Member]
Assets fair value, nonrecurring	0	0
OREO [Member] | Fair Value, Inputs, Level 2 [Member]
Assets fair value, nonrecurring	0	0
OREO [Member] | Fair Value, Inputs, Level 3 [Member]
Assets fair value, nonrecurring	3,441,000	5,526,000
OREO [Member]
Assets fair value, nonrecurring	$ 3,441,000	$ 5,526,000

Note 12 - Fair Value Measurem60

Note 12 - Fair Value Measurements - Impairment Charges on Assets Measured at Fair Value on a Nonrecurring Basis (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Impaired Loans [Member]
Impairment charges	$ 494	$ 9	$ 524	$ 31
OREO [Member]
Impairment charges	116	566	566	566
Impairment charges	$ 610	$ 575	$ 1,090	$ 597

Note 12 - Fair Value Measurem61

Note 12 - Fair Value Measurements - Quantitative Information about Unobservable Inputs for Assets Measured on a Nonrecurring Basis Using Level 3 Measurements (Details) - USD ($)	6 Months Ended	12 Months Ended
	Jun. 30, 2016	Dec. 31, 2015
Impaired Loans [Member] | Fair Value, Inputs, Level 3 [Member] | Income Approach Valuation Technique [Member] | Minimum [Member]
Marketability discount	0.00%	0.00%
Impaired Loans [Member] | Fair Value, Inputs, Level 3 [Member] | Income Approach Valuation Technique [Member] | Maximum [Member]
Marketability discount	8.30%	8.30%
Impaired Loans [Member] | Fair Value, Inputs, Level 3 [Member] | Income Approach Valuation Technique [Member] | Weighted Average [Member]
Marketability discount	7.30%	7.90%
Impaired Loans [Member] | Fair Value, Inputs, Level 3 [Member] | Income Approach Valuation Technique [Member]
Fair Value	$ 168,000	$ 6,628,000
Valuation Technique	Discounted appraisals	Discounted appraisals
Unobservable Inputs	Marketability discount	Marketability discount
Impaired Loans [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value	$ 168,000	$ 6,628,000
Impaired Loans [Member]
Fair Value	$ 168,000	$ 6,628,000
Fair Value, Inputs, Level 3 [Member] | Income Approach Valuation Technique [Member] | Minimum [Member] | OREO [Member]
Marketability discount	1.90%	2.30%
Fair Value, Inputs, Level 3 [Member] | Income Approach Valuation Technique [Member] | Maximum [Member] | OREO [Member]
Marketability discount	45.40%	26.90%
Fair Value, Inputs, Level 3 [Member] | Income Approach Valuation Technique [Member] | Weighted Average [Member] | OREO [Member]
Marketability discount	15.80%	6.50%
Fair Value, Inputs, Level 3 [Member] | Income Approach Valuation Technique [Member] | OREO [Member]
Fair Value	$ 3,441,000	$ 5,526,000
Valuation Technique	Discounted appraisals	Discounted appraisals
Unobservable Inputs	Marketability discount	Marketability discount

Note 12 - Fair Value Measurem62

Note 12 - Fair Value Measurements - The Carrying Amounts and Estimated Fair Values of Financial Instruments (Details) - USD ($)	Jun. 30, 2016	Dec. 31, 2015	Jun. 30, 2015	Dec. 31, 2014
Reported Value Measurement [Member]
Cash and cash equivalents, carrying amount	$ 112,011,000	$ 120,493,000
Held-to-maturity, amortized cost	3,585,000	3,611,000
Loans, net, carrying amount	947,941,000	948,960,000
Accrued interest receivable, carrying amount	4,970,000	5,392,000
Federal Home Loan Bank and Federal Reserve Bank Stock, carrying amount	9,840,000	9,368,000
Deposits, carrying amount	1,353,445,000	1,368,994,000
Federal funds purchased and other short-term borrowings, carrying amount	31,581,000	34,353,000
Securities sold under agreements to repurchase and other long-term borrowings, carrying amount	120,006,000	120,280,000
Subordinated notes payable to unconsolidated trusts, carrying amount	33,506,000	48,970,000
Accrued interest payable, carrying amount	803,000	851,000
Estimate of Fair Value Measurement [Member]
Cash and cash equivalents, fair value	112,011,000	120,493,000
Held to maturity investment securities, fair value	3,831,000	3,809,000
Loans, net, fair value	943,243,000	945,809,000
Accrued interest receivable, fair value	4,970,000	5,392,000
Federal Home Loan Bank and Federal Reserve Bank Stock, fair value
Deposits, fair value	1,353,035,000	1,369,016,000
Federal funds purchased and other short-term borrowings, fair value	31,581,000	34,353,000
Securities sold under agreements to repurchase and other long-term borrowings, fair value	125,815,000	126,964,000
Subordinated notes payable to unconsolidated trusts, fair value	18,447,000	31,515,000
Accrued interest payable, fair value	803,000	851,000
Fair Value, Inputs, Level 1 [Member]
Cash and cash equivalents, fair value	112,011,000	120,493,000
Held to maturity investment securities, fair value	0	0
Loans, net, fair value	0	0
Accrued interest receivable, fair value	0	0
Federal Home Loan Bank and Federal Reserve Bank Stock, fair value	0	0
Deposits, fair value	1,058,069,000	1,043,616,000
Federal funds purchased and other short-term borrowings, fair value	0	0
Securities sold under agreements to repurchase and other long-term borrowings, fair value	0	0
Subordinated notes payable to unconsolidated trusts, fair value	0	0
Accrued interest payable, fair value	0	0
Fair Value, Inputs, Level 2 [Member]
Cash and cash equivalents, fair value	0	0
Held to maturity investment securities, fair value	3,831,000	3,809,000
Loans, net, fair value	0	0
Accrued interest receivable, fair value	4,970,000	5,392,000
Federal Home Loan Bank and Federal Reserve Bank Stock, fair value	0	0
Deposits, fair value	0	0
Federal funds purchased and other short-term borrowings, fair value	31,581,000	34,353,000
Securities sold under agreements to repurchase and other long-term borrowings, fair value	125,815,000	126,964,000
Subordinated notes payable to unconsolidated trusts, fair value	0	0
Accrued interest payable, fair value	803,000	851,000
Fair Value, Inputs, Level 3 [Member]
Cash and cash equivalents, fair value	0	0
Held to maturity investment securities, fair value	0	0
Loans, net, fair value	943,243,000	945,809,000
Accrued interest receivable, fair value	0	0
Federal Home Loan Bank and Federal Reserve Bank Stock, fair value	0	0
Deposits, fair value	294,966,000	325,400,000
Federal funds purchased and other short-term borrowings, fair value	0	0
Securities sold under agreements to repurchase and other long-term borrowings, fair value	0	0
Subordinated notes payable to unconsolidated trusts, fair value	18,447,000	31,515,000
Accrued interest payable, fair value	0	0
Cash and cash equivalents, carrying amount	112,011,000	120,493,000	$ 81,622,000	$ 100,914,000
Held-to-maturity, amortized cost	3,585,000	3,611,000
Held to maturity investment securities, fair value	3,831,000	3,809,000
Loans, net, carrying amount	947,941,000	948,960,000
Deposits, carrying amount	1,353,445,000	1,368,994,000
Federal funds purchased and other short-term borrowings, carrying amount	31,581,000	34,353,000
Securities sold under agreements to repurchase and other long-term borrowings, carrying amount	120,006,000	120,280,000
Subordinated notes payable to unconsolidated trusts, carrying amount	$ 33,506,000	$ 48,970,000