Capital City Bank (CCBG) 10-Q 3 Nov 16 2016 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2016	Oct. 31, 2016
Document And Entity Information
Entity Registrant Name	CAPITAL CITY BANK GROUP INC
Entity Central Index Key	726,601
Document Type	10-Q
Document Period End Date	Sep. 30, 2016
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Entity a Well-known Seasoned Issuer	No
Entity a Voluntary Filer	No
Entity's Reporting Status Current	Yes
Entity Filer Category	Accelerated Filer
Entity Common Stock, Shares Outstanding		16,807,081
Document Fiscal Period Focus	Q3
Document Fiscal Year Focus	2,016
Trading Symbol	CCBG

CONSOLIDATED STATEMENTS OF FINA

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Unaudited) - USD ($)	Sep. 30, 2016	Dec. 31, 2015
ASSETS
Cash and Due From Banks	$ 79,608,000	$ 51,288,000
Federal Funds Sold and Interest Bearing Deposits	144,576,000	327,617,000
Total Cash and Cash Equivalents	224,184,000	378,905,000
Investment Securities, Available for Sale, at fair value	500,139,000	451,028,000
Investment Securities, Held to Maturity, at amortized cost (fair value of $190,829 and $187,407)	189,928,000	187,892,000
Total Investment Securities	690,067,000	638,920,000
Loans Held For Sale	10,510,000	11,632,000
Loans and Leases Receivable, Net of Deferred Income	1,557,512,000	1,492,275,000
Allowance for Loan Losses	(13,744,000)	(13,953,000)
Loans, Net	1,543,768,000	1,478,322,000
Premises and Equipment, Net	96,499,000	98,819,000
Goodwill	84,811,000	84,811,000
Other Real Estate Owned	12,738,000	19,290,000
Other Assets	90,577,000	87,161,000
Total Assets	2,753,154,000	2,797,860,000
Deposits:
Noninterest Bearing Deposits	801,671,000	758,283,000
Interest Bearing Deposits	1,513,436,000	1,544,566,000
Total Deposits	2,315,107,000	2,302,849,000
Short-Term Borrowings	12,113,000	61,058,000
Subordinated Notes Payable	52,887,000	62,887,000
Other Long-Term Borrowings	21,368,000	28,265,000
Other Liabilities	75,055,000	68,449,000
Total Liabilities	2,476,530,000	2,523,508,000
SHAREOWNERS' EQUITY
Preferred Stock, $.01 par value; 3,000,000 shares authorized; no shares issued and outstanding	0	0
Common Stock, $.01 par value; 90,000,000 shares authorized; 16,807,078 and 17,156,919 shares issued and outstanding at September 30, 2016 and December 31, 2015, respectively	168,000	172,000
Additional Paid-In Capital	33,152,000	38,256,000
Retained Earnings	264,581,000	258,181,000
Accumulated Other Comprehensive Loss, Net of Tax	(21,277,000)	(22,257,000)
Total Shareowners' Equity	276,624,000	274,352,000
Total Liabilities and Shareowners' Equity	$ 2,753,154,000	$ 2,797,860,000

CONSOLIDATED STATEMENTS OF FIN3

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Unaudited) (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Statement of Financial Position [Abstract]
Investment securities, held to maturity, fair value	$ 190,829	$ 187,407
Preferred Stock, par value (in dollar per share)	$ 0.01	$ 0.01
Preferred Stock, shares authorized	3,000,000	3,000,000
Common Stock, par value (in dollar per share)	$ 0.01	$ 0.01
Common Stock, shares authorized	90,000,000	90,000,000
Common Stock, shares issued	16,807,078	17,156,919
Common Stock, shares outstanding	16,807,078	17,156,919

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
INTEREST INCOME
Loans, including Fees	$ 18,046	$ 18,214	$ 54,196	$ 54,308
Investment Securities:
Taxable	1,633	1,347	4,591	3,858
Tax Exempt	213	193	643	427
Funds Sold	212	123	892	463
Total Interest Income	20,104	19,877	60,322	59,056
INTEREST EXPENSE
Deposits	223	220	655	725
Short-Term Borrowings	43	14	91	50
Subordinated Notes Payable	341	344	1,071	1,014
Other Long-Term Borrowings	177	233	599	710
Total Interest Expense	784	811	2,416	2,499
NET INTEREST INCOME	19,320	19,066	57,906	56,557
Provision for Loan Losses	0	413	355	1,081
Net Interest Income After Provision For Loan Losses	19,320	18,653	57,551	55,476
NONINTEREST INCOME
Deposit Fees	5,373	5,721	16,094	16,944
Bank Card Fees	2,759	2,826	8,467	8,412
Wealth Management Fees	1,774	1,818	5,256	5,640
Mortgage Banking Fees	1,503	1,306	3,800	3,496
Data Processing Fees	360	400	1,042	1,137
Other	1,242	1,157	6,244	5,241
Total Noninterest Income	13,011	13,228	40,903	40,870
NONINTEREST EXPENSE
Compensation	15,993	16,653	48,285	49,581
Occupancy, Net	4,734	4,446	13,777	13,100
Other Real Estate Owned, Net	821	1,302	3,306	3,730
Other	6,474	6,763	20,286	20,582
Total Noninterest Expense	28,022	29,164	85,654	86,993
INCOME BEFORE INCOME TAXES	4,309	2,717	12,800	9,353
Income Tax Expense	1,436	1,034	4,350	2,839
NET INCOME	$ 2,873	$ 1,683	$ 8,450	$ 6,514
BASIC NET INCOME PER SHARE (in dollars per shares)	$ 0.18	$ 0.1	$ 0.5	$ 0.38
DILUTED NET INCOME PER SHARE (in dollars per shares)	$ 0.17	$ 0.09	$ 0.49	$ 0.37
Average Basic Common Shares Outstanding (in shares)	16,804	17,150	17,049	17,317
Average Diluted Common Shares Outstanding (in shares)	16,871	17,229	17,100	17,379

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Income Statement [Abstract]
NET INCOME	$ 2,873,000	$ 1,683,000	$ 8,450,000	$ 6,514,000
Investment Securities:
Change in net unrealized gain/loss on securities available for sale	(1,158,000)	533,000	1,535,000	1,562,000
Amortization of unrealized losses on securities transferred from available for sale to held to maturity	21,000	21,000	60,000	56,000
Total Investment Securities	(1,137,000)	554,000	1,595,000	1,618,000
Other comprehensive income, before tax	(1,137,000)	554,000	1,595,000	1,618,000
Deferred tax expense related to other comprehensive income	(439,000)	214,000	615,000	624,000
Other comprehensive income, net of tax	(698,000)	340,000	980,000	994,000
TOTAL COMPREHENSIVE INCOME	$ 2,175,000	$ 2,023,000	$ 9,430,000	$ 7,508,000

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREOWNERS' EQUITY (Unaudited) - USD ($) $ in Thousands	Total	Common Stock [Member]	Additional Paid-In Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Loss, Net of Taxes [Member]
Balance at Dec. 31, 2014	$ 272,540	$ 174	$ 42,569	$ 251,306	$ (21,509)
Balance (in shares) at Dec. 31, 2014		17,447,223
Net Income	6,514	$ 0	0	6,514	0
Other Comprehensive Loss, Net of Tax	994	0	0	0	994
Cash Dividends ($0.0400 and $0.0300 per share for June 30, 2016 and December 31, 2015, respectively)	(1,555)	0	0	(1,555)	0
Repurchase of Common Stock	(5,982)	$ (4)	(5,978)	0	0
Repurchase of Common Stock (in shares)		(405,228)
Stock Compensation Expense	783	$ 0	783	0	0
Impact of Transactions Under Compensation Plans, net	365	$ 1	364	0	0
Impact of Transactions Under Compensation Plans, net (in shares)		102,406
Balance at Sep. 30, 2015	273,659	$ 171	37,738	256,265	(20,515)
Balance, Shares at Sep. 30, 2015		17,144,401
Balance at Dec. 31, 2015	$ 274,352	$ 172	38,256	258,181	(22,257)
Balance (in shares) at Dec. 31, 2015	17,156,919	17,156,919
Net Income	$ 8,450	$ 0	0	8,450	0
Other Comprehensive Loss, Net of Tax	980	0	0	0	980
Cash Dividends ($0.0400 and $0.0300 per share for June 30, 2016 and December 31, 2015, respectively)	(2,050)	0	0	(2,050)	0
Repurchase of Common Stock	(6,312)	$ (4)	(6,308)	0	0
Repurchase of Common Stock (in shares)		(435,461)
Stock Compensation Expense	743	$ 0	743	0	0
Impact of Transactions Under Compensation Plans, net	461	$ 0	461	0	0
Impact of Transactions Under Compensation Plans, net (in shares)		85,620
Balance at Sep. 30, 2016	$ 276,624	$ 168	$ 33,152	$ 264,581	$ (21,277)
Balance, Shares at Sep. 30, 2016	16,807,078	16,807,078

CONSOLIDATED STATEMENTS OF CHA7

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREOWNERS' EQUITY (Parenthetical) - $ / shares	9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015
Statement of Stockholders' Equity [Abstract]
Cash Dividends (in dollars per share)	$ 0.12	$ 0.09

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015
CASH FLOWS FROM OPERATING ACTIVITIES
Net Income	$ 8,450	$ 6,514
Adjustments to Reconcile Net Income to Cash Provided by Operating Activities:
Provision for Loan Losses	355	1,081
Depreciation	5,198	4,908
Amortization of Premiums, Discounts, and Fees (net)	4,642	3,677
Impairment Loss on Security	0	90
Gain (Loss) on Extinguishment of Debt	(2,487)	0
Net Decrease (Increase) in Loans Held-for-Sale	1,122	(272)
Stock Compensation	743	783
Deferred Income Taxes	3,087	2,882
Loss on Sales and Write-Downs of Other Real Estate Owned	2,523	2,138
Loss on Sale or Disposal of Premises and Equipment	131	20
Net (Increase) Decrease in Other Assets	(6,610)	1,347
Net Increase in Other Liabilities	6,733	4,792
Net Cash Provided By Operating Activities	23,887	27,960
Securities Held to Maturity:
Purchases	(40,320)	(65,190)
Payments, Maturities, and Calls	37,495	33,859
Securities Available for Sale:
Purchases	(125,975)	(167,438)
Payments, Maturities, and Calls	74,450	63,278
Payments for (Proceeds from) Loans Receivable	(68,775)	(51,385)
Proceeds From Sales of Other Real Estate Owned	7,338	12,122
Purchases of Premises and Equipment, net	(3,696)	(2,400)
Net Cash Used In Investing Activities	(119,483)	(177,154)
CASH FLOWS FROM FINANCING ACTIVITIES
Net (Decrease) Increase in Deposits	12,258	(31,811)
Net Increase in Short-Term Borrowings	(50,023)	15,930
Repayments Of Subordinated Notes	(7,500)	0
Repayment of Other Long-Term Borrowings	(5,819)	(2,055)
Dividends Paid	(2,050)	(1,555)
Payments to Repurchase Common Stock	(6,312)	(5,982)
Issuance of Common Stock Under Compensation Plans	321	315
Net Cash (Used In) Provided By Financing Activities	(59,125)	(25,158)
NET DECREASE IN CASH AND CASH EQUIVALENTS	(154,721)	(174,352)
Cash and Cash Equivalents at Beginning of Period	378,905	385,056
Cash and Cash Equivalents at End of Period	224,184	210,704
Supplemental Cash Flow Disclosures:
Interest Paid	2,422	2,511
Income Taxes Paid	(355)	1,593
Noncash Investing and Financing Activities:
Loans Transferred to Other Real Estate Owned	3,309	4,073
Transfer of Current Portion of Long-Term Borrowings	$ 1,078	$ 0

SIGNIFICANT ACCOUNTING POLICIES

SIGNIFICANT ACCOUNTING POLICIES	9 Months Ended
	Sep. 30, 2016
Organization, Consolidation and Presentation of Financial Statements [Abstract]
SIGNIFICANT ACCOUNTING POLICIES	CAPITAL CITY BANK GROUP, INC. NOTES TO CONSOLIDATED FINANCIAL STATEMENTS NOTE 1 - SIGNIFICANT ACCOUNTING POLICIES Nature of Operations . Capital City Bank Group, Inc. (“CCBG” or the “Company”) provides a full range of banking and banking-related services to individual and corporate clients through its subsidiary, Capital City Bank, with banking offices located in Florida, Georgia, and Ala bama. The Company is subject to competition from other financial institutions, is subject to regulation by certain government agencies and undergoes periodic examinations by those regulatory authorities. Basis of Presentation . The consolidated financial statements in this Quarterly Report on Form 10-Q include the accounts of CCBG and its wholly-owned subsidiary, Capital City Bank (“CCB” or the “Bank” and together with the Company). All material inter-company transactions and accounts have been eliminate d. Certain previously reported amounts have been reclassified to conform to the current year’s presentation. The accompanying unaudited consolidated financial statements have been prepared in accordance with generally accepted accounting principles for i nterim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by generally accepted accounting principles for complete financial stateme nts. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. The consolidated statement of financial condition at December 31, 2015 has been derived from the audited consolidated financial statements at that date , but does not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. For further information, re fer to the consolidated financial statements and footnotes thereto included in the Company’s annual report on Form 10-K for the year ended December 31, 2015 .

INVESTMENT SECURITIES

INVESTMENT SECURITIES	9 Months Ended
	Sep. 30, 2016
Investments, Debt and Equity Securities [Abstract]
INVESTMENT SECURITIES	NOTE 2 – INVESTMENT SECURITIES Investment Portfolio Composition . The amortized cost and related market value of investment securities available-for-sale and held-to-maturity were as follows: September 30, 2016 December 31, 2015 Amortized Unrealized Unrealized Market Amortized Unrealized Unrealized Market Cost Gains Losses Value Cost Gain Losses Value Available for Sale U.S. Government Treasury $ 272,656 $ 1,029 $ - $ 273,685 $ 250,458 $ 101 $ 213 $ 250,346 U.S. Government Agency 129,150 569 203 129,516 101,730 357 263 101,824 States and Political Subdivisions 86,490 189 45 86,634 88,358 103 99 88,362 Mortgage-Backed Securities 1,340 142 - 1,482 1,742 159 - 1,901 Equity Securities (1) 8,822 - - 8,822 8,595 - - 8,595 Total $ 498,458 $ 1,929 $ 248 $ 500,139 $ 450,883 $ 720 $ 575 $ 451,028 Held to Maturity U.S. Government Treasury $ 129,323 $ 530 $ - $ 129,853 $ 134,554 $ 45 $ 160 $ 134,439 U.S. Government Agency 1,904 1 - 1,905 10,043 7 5 10,045 States and Political Subdivisions 9,983 69 1 10,051 15,693 38 7 15,724 Mortgage-Backed Securities 48,718 366 64 49,020 27,602 4 407 27,199 Total $ 189,928 $ 966 $ 65 $ 190,829 $ 187,892 $ 94 $ 579 $ 187,407 Total Investment Securities $ 688,386 $ 2,895 $ 313 $ 690,968 $ 638,775 $ 814 $ 1,154 $ 638,435 (1) Includes Federal Home Loan Bank, Federal Reserve Bank, and FNBB, Inc . stock recorded at cost of $3. 5 million, $4.8 million, and $0. 5 million, respectively, at September 30, 2016 and $3 .6 million, $4.8 million, and $0. 2 million, respectively, at December 31, 2015 . Securities with an amortized cost of $2 22.9 million and $370.1 million at September 30, 2016 and December 31, 2015 , respectively, were pledged to secure public deposits and for other purposes. The Bank, as a member of the Federal Home Loan Bank of Atlanta (“FHLB”), is required to own capital stock in the FHLB based generally upon the balances of residential and commercial real estate loans, and FHLB advances. FHLB stock which is included in equity securities is pledged to secure FHLB advances. No ready ma rket exists for this stock, and it has no quoted market value; however, redemption of this stock has historically been at par value. Maturity Distribution . As of September 30, 2016 , the Company's investment securities had the following maturity distribution bas ed on contractual maturity. Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations. Mortgage-backed securities and certain amortizing U.S. government agency securities are shown separ ately because they are not due at a certain maturity date. Available for Sale Held to Maturity Amortized Market Amortized Market (Dollars in Thousands) Cost Value Cost Value Due in one year or less $ 146,612 $ 146,872 $ 60,424 $ 60,503 Due after one through five years 252,653 253,644 80,786 81,305 Mortgage-Backed Securities 1,340 1,482 48,718 49,021 U.S. Government Agency 89,031 89,319 - - Equity Securities 8,822 8,822 - - Total $ 498,458 $ 500,139 $ 189,928 $ 190,829 Unrealized Losses on Investment Securities. The following table summarizes the investment securities with unrealized losses aggregated by major security type and length of time in a continuous unrealized loss position: Less Than Greater Than 12 Months 12 Months Total Market Unrealized Market Unrealized Market Unrealized (Dollars in Thousands) Value Losses Value Losses Value Losses September 30, 2016 Available for Sale U.S. Government Agency $ 36,793 $ 153 $ 10,123 $ 50 $ 46,916 $ 203 States and Political Subdivisions 28,831 44 298 1 29,129 45 Total 65,624 197 10,421 51 76,045 248 Held to Maturity States and Political Subdivisions 1,252 1 - - 1,252 1 Mortgage-Backed Securities 2,095 5 7,120 59 9,215 64 Total $ 3,347 $ 6 $ 7,120 $ 59 $ 10,467 $ 65 December 31, 2015 Available for Sale U.S. Government Treasury $ 150,061 $ 213 $ - $ - $ 150,061 $ 213 U.S. Government Agency 43,508 200 9,644 63 53,152 263 States and Political Subdivisions 39,608 86 5,066 13 44,674 99 Total 233,177 499 14,710 76 247,887 575 Held to Maturity U.S. Government Treasury 92,339 160 - - 92,339 160 U.S. Government Agency 5,006 5 - - 5,006 5 States and Political Subdivisions 3,791 7 - - 3,791 7 Mortgage-Backed Securities 13,267 185 11,889 222 22,156 407 Total $ 114,403 $ 357 $ 11,889 $ 222 $ 126,292 $ 579 Management evaluates securities for other than temporary impairment at least quarterly, and more frequently when economic or market concerns warrant such evaluation. Declines in the fair value of held-to-maturity and available-for-sale securities below their cost that are deemed to be other than temporary are reflected in earnings as realized losses. In estimating other-than-temporary impairment losses, the Company considers, (i) whether it has decided to sell the security, (ii) whether it is more likel y than not that the Company will have to sell the security before its market value recovers, and (iii) whether the present value of expected cash flows is sufficient to recover the entire amortized cost basis. When assessing a security’s expected cash flo ws, the Company considers, among other things, (i) the length of time and the extent to which the fair value has been less than cost and (ii) the financial condition and near-term prospects of the issuer. In analyzing an issuer’s financial condition, mana gement considers whether the securities are issued by the federal government or its agencies, whether downgrades by rating agencies have occurred, regulatory issues, and analysts’ reports. At September 30, 2016 , there were 165 positions (combined Available-for -Sale and Held-to-Maturity ) with an unrealized loss totaling $0.3 million. Of the 165 positions, 69 were Ginnie Mae mortgage-backed securities (GNMA), U . S . Treasuries, or SBA securities, all of which carry the full faith and credit guarantee of the U . S . Government . SBA securities float monthly or quarterly to the prime rate and are uncapped. Of these 69 positions, there were 20 GNMA positions and 24 SBA positions in an unrealized loss position for longer than 12 months . Six agency positions were in an unrealized l oss position . There were 90 municipal bonds in an unrealized loss position that were pre-refunded, or rated “AA-“or better . These debt securities are in a loss position because they were acquired when the general level of interest rates was lower than that on September 30, 2016 . The Company believes that the unrealized losses in these debt securities are temporary in nature and that the full principal will be collected as anticipated. Because the declines in the market value of these investments are attributable to changes in interest rates and not credit quality and because the Company has the present ability and intent to hold these investments until there is a recovery in fair value, which may be at maturity, the Company does not consider these investments to be other-than-temporarily impaired at September 30, 2016 .

LOANS, NET

LOANS, NET	9 Months Ended
	Sep. 30, 2016
Receivables [Abstract]
LOANS, NET	NOTE 3 – LOANS, NET Loan Portfolio Composition . The composition of the loan portfolio was as foll ows: (Dollars in Thousands) September 30, 2016 December 31, 2015 Commercial, Financial and Agricultural $ 223,278 $ 179,816 Real Estate – Construction 54,107 46,484 Real Estate – Commercial Mortgage 497,775 499,813 Real Estate – Residential (1) 287,068 290,585 Real Estate – Home Equity 235,433 233,901 Consumer 259,851 241,676 Loans, Net of Unearned Income $ 1,557,512 $ 1,492,275 (1) Includes loans in process with outstanding balances of $1 1 . 8 million and $ 8.5 million at September 30, 2016 and December 31, 2015 , respectively. Net deferred costs included in loans were $ 0.4 million at September 30, 2016 and net deferred fees included in loans were $0.5 million at December 31, 2015 . The Company has pledged a blanket floating lien on all 1-4 family residential mortgage loans, commercial real estate mortgage loans, and home equity loans to support available borrowing capacity at the FHLB of Atlanta and has pledged a blanket floating lien on all consumer loans, commercial loans, and construction loans to support available borrowi ng capacity at the Federal Reserve Bank of Atlanta. Nonaccrual Loans . Loans are generally placed on nonaccrual status if principal or interest payments become 90 days past due and/or management deem s the collectability of the principal and/or interest to be doubtful. Loans are returned to accrual status when the principal and interest amounts contractually due are brought current or when future payments are reasonably assured. The following table p resents the recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans. September 30, 2016 December 31, 2015 (Dollars in Thousands) Nonaccrual 90 + Days Nonaccrual 90 + Days Commercial, Financial and Agricultural $ 362 $ - $ 96 $ - Real Estate – Construction 121 - 97 - Real Estate – Commercial Mortgage 4,736 - 4,191 - Real Estate – Residential 2,254 - 4,739 - Real Estate – Home Equity 958 - 1,017 - Consumer 183 - 165 - Total Nonaccrual Loans $ 8,614 $ - $ 10,305 $ - Loan Portfolio Aging. A loan is defined as a past due loan when one full payment is past due or a contractual maturity is over 30 days past due (“DPD”). The following table presents the aging of the recorded investment in past due loans by class of loans. 30-59 60-89 90 + Total Total Total (Dollars in Thousands) DPD DPD DPD Past Due Current Loans September 30, 2016 Commercial, Financial and Agricultural $ 59 $ 307 $ - $ 366 $ 222,550 $ 223,278 Real Estate – Construction - - - - 53,986 54,107 Real Estate – Commercial Mortgage 1,581 148 - 1,729 491,310 497,775 Real Estate – Residential 472 448 - 920 283,894 287,068 Real Estate – Home Equity 446 697 - 1,143 233,332 235,433 Consumer 1,231 278 - 1,509 258,159 259,851 Total Past Due Loans $ 3,789 $ 1,878 $ - $ 5,667 $ 1,543,231 $ 1,557,512 December 31, 2015 Commercial, Financial and Agricultural $ 153 $ 18 $ - $ 171 $ 179,549 $ 179,816 Real Estate – Construction 690 - - 690 45,697 46,484 Real Estate – Commercial Mortgage 754 1,229 - 1,983 493,639 499,813 Real Estate – Residential 567 347 - 914 284,932 290,585 Real Estate – Home Equity 787 97 - 884 232,000 233,901 Consumer 735 398 - 1,133 240,378 241,676 Total Past Due Loans $ 3,686 $ 2,089 $ - $ 5,775 $ 1,476,195 $ 1,492,275 Allowance for Loan Losses . The allowance for loan losses is a reserve established through a provision for loan losses charged to expense, which represents management’s best estimate of incurred losses within the existing portfolio of loans. Loans are charged-off to the allowance when losses are deemed to be probable and reasonably quantifiable. The following table details the activity in the allowance for loan losses by portfolio class. Allocation of a portion of the allowance to one category of lo ans does not preclude its availability to absorb losses in other categories. Commercial, Real Estate Financial, Real Estate Commercial Real Estate Real Estate (Dollars in Thousands) Agricultural Construction Mortgage Residential Home Equity Consumer Total Three Months Ended September 30, 2016 Beginning Balance $ 1,048 $ 126 $ 4,389 $ 3,835 $ 2,391 $ 1,888 $ 13,677 Provision for Loan Losses 163 (3) 224 (324) (307) 247 - Charge-Offs (143) - (5) (96) (51) (479) (774) Recoveries 199 - 45 139 237 221 841 Net Charge-Offs 56 - 40 43 186 (258) 67 Ending Balance $ 1,267 $ 123 $ 4,653 $ 3,554 $ 2,270 $ 1,877 $ 13,744 Nine Months Ended September 30, 2016 Beginning Balance $ 905 $ 101 $ 4,498 $ 4,409 $ 2,473 $ 1,567 $ 13,953 Provision for Loan Losses 559 22 71 (1,030) (168) 901 355 Charge-Offs (484) - (279) (779) (412) (1,356) (3,310) Recoveries 287 - 363 954 377 765 2,746 Net Charge-Offs (197) - 84 175 (35) (591) (564) Ending Balance $ 1,267 $ 123 $ 4,653 $ 3,554 $ 2,270 $ 1,877 $ 13,744 Three Months Ended September 30, 2015 Beginning Balance $ 917 $ 360 $ 4,275 $ 5,654 $ 2,536 $ 1,494 $ 15,236 Provision for Loan Losses 183 (64) 333 (545) 273 233 413 Charge-Offs (365) - 26 (476) (370) (318) (1,503) Recoveries 45 - 86 193 42 225 591 Net Charge-Offs (320) - 112 (283) (328) (93) (912) Ending Balance $ 780 $ 296 $ 4,720 $ 4,826 $ 2,481 $ 1,634 $ 14,737 Nine Months Ended September 30, 2015 Beginning Balance $ 784 $ 843 $ 5,287 $ 6,520 $ 2,882 $ 1,223 $ 17,539 Provision for Loan Losses 708 (547) 426 (870) 506 858 1,081 Charge-Offs (894) - (1,163) (1,265) (1,006) (1,245) (5,573) Recoveries 182 - 170 441 99 798 1,690 Net Charge-Offs (712) - (993) (824) (907) (447) (3,883) Ending Balance $ 780 $ 296 $ 4,720 $ 4,826 $ 2,481 $ 1,634 $ 14,737 The following table details the amount of the allowance for loan losses by portfolio class disaggregated on the basis of the Company’s impairment methodology. Commercial, Real Estate Financial, Real Estate Commercial Real Estate Real Estate (Dollars in Thousands) Agricultural Construction Mortgage Residential Home Equity Consumer Total September 30, 2016 Period-end amount Allocated to: Loans Individually Evaluated for Impairment $ 132 $ - $ 2,124 $ 1,669 $ 276 $ 7 $ 4,208 Loans Collectively Evaluated for Impairment 1,135 123 2,529 1,885 1,994 1,870 9,536 Ending Balance $ 1,267 $ 123 $ 4,653 $ 3,554 $ 2,270 $ 1,877 $ 13,744 December 31, 2015 Period-end amount Allocated to: Loans Individually Evaluated for Impairment $ 77 $ - $ 2,049 $ 2,118 $ 384 $ 18 $ 4,646 Loans Collectively Evaluated for Impairment 828 101 2,449 2,291 2,089 1,549 9,307 Ending Balance $ 905 $ 101 $ 4,498 $ 4,409 $ 2,473 $ 1,567 $ 13,953 September 30, 2015 Period-end amount Allocated to: Loans Individually Evaluated for Impairment $ 81 $ - $ 2,001 $ 2,004 $ 365 $ 4 $ 4,455 Loans Collectively Evaluated for Impairment 699 296 2,719 2,822 2,116 1,630 10,282 Ending Balance $ 780 $ 296 $ 4,720 $ 4,826 $ 2,481 $ 1,634 $ 14,737 The Company’s recorded investment in loans related to each balance in the allowance for loan losses by portfolio class and disaggregated on the basis of the Company’s impairment methodology was as follows: Commercial, Real Estate Financial, Real Estate Commercial Real Estate Real Estate (Dollars in Thousands) Agricultural Construction Mortgage Residential Home Equity Consumer Total September 30, 2016 Individually Evaluated for Impairment $ 949 $ - $ 20,794 $ 16,457 $ 2,776 $ 186 $ 41,162 Collectively Evaluated for Impairment 222,329 54,107 476,981 270,611 232,657 259,665 1,516,350 Total $ 223,278 $ 54,107 $ 497,775 $ 287,068 $ 235,433 $ 259,851 $ 1,557,512 December 31, 2015 Individually Evaluated for Impairment $ 834 $ 97 $ 20,847 $ 18,569 $ 3,144 $ 261 $ 43,752 Collectively Evaluated for Impairment 178,982 46,387 478,966 272,016 230,757 241,415 1,448,523 Total $ 179,816 $ 46,484 $ 499,813 $ 290,585 $ 233,901 $ 241,676 $ 1,492,275 September 30, 2015 Individually Evaluated for Impairment $ 813 $ 468 $ 24,170 $ 18,079 $ 2,702 $ 161 $ 46,393 Collectively Evaluated for Impairment 168,775 49,007 467,564 272,705 229,552 241,187 1,428,790 Total $ 169,588 $ 49,475 $ 491,734 $ 290,784 $ 232,254 $ 241,348 $ 1,475,183 Impaired Loans . Loans are deemed to be impaired when, based on current information and events, it is probable that the Company will not be able to collect all amounts due (principal and interest payments), according to the contractual terms of the loan agreement. Loans , for which the terms have been modified, and for which the borrower is experiencing financial difficulties, are considered troubled debt restructurings and classified as impaired. The following table presents loans individually evaluated for impairment by class of loans. Unpaid Recorded Recorded Principal Investment Investment Related (Dollars in Thousands) Balance With No Allowance With Allowance Allowance September 30, 2016 Commercial, Financial and Agricultural $ 949 $ 217 $ 732 $ 132 Real Estate – Construction - - - - Real Estate – Commercial Mortgage 20,794 4,452 16,342 2,124 Real Estate – Residential 16,457 1,863 14,594 1,669 Real Estate – Home Equity 2,776 1,314 1,462 276 Consumer 186 54 132 7 Total $ 41,162 $ 7,900 $ 33,262 $ 4,208 December 31, 2015 Commercial, Financial and Agricultural $ 834 $ 279 $ 555 $ 77 Real Estate – Construction 97 97 - - Real Estate – Commercial Mortgage 20,847 3,265 17,582 2,049 Real Estate – Residential 18,569 2,941 15,628 2,118 Real Estate – Home Equity 3,144 1,101 2,043 384 Consumer 261 79 182 18 Total $ 43,752 $ 7,762 $ 35,990 $ 4,646 The following table summarizes the average recorded investment and interest income recognized by class of impaired loans. Three Months Ended September 30, Nine Months Ended September 30, 2016 2015 2016 2015 Average Total Average Total Average Total Average Total Recorded Interest Recorded Interest Recorded Interest Recorded Interest (Dollars in Thousands) Investment Income Investment Income Investment Income Investment Income Commercial, Financial and Agricultural $ 871 $ 12 $ 942 $ 12 $ 847 $ 37 $ 1,044 $ 34 Real Estate – Construction - - 389 - 24 - 395 - Real Estate – Commercial Mortgage 20,692 203 26,959 250 20,757 658 29,343 821 Real Estate – Residential 17,091 197 18,499 215 17,743 602 19,239 626 Real Estate – Home Equity 2,824 29 2,831 20 3,001 84 2,965 64 Consumer 196 2 166 2 215 7 186 6 Total $ 41,674 $ 443 $ 49,786 $ 499 $ 42,587 $ 1,388 $ 53,172 $ 1,551 Credit Risk Management . The Company has adopted comprehensive lending policies, underwriting standards and loan review procedures designed to maximize loan income within an acceptable level of risk. Management and the Board of Directors review and approve these policies and pr ocedures on a regular basis (at least annually). Reporting systems are used to monitor loan originations, loan quality, concentrations of credit, loan delinquencies and nonperforming loans and potential problem loans. Management and th e Credit Risk Oversight Committee periodically review our lines of business to monitor asset quality trends and the appropriateness of credit policies. In addition, total borrower exposure limits are established and concentration risk is monitored. As pa rt of this process, the overall composition of the portfolio is reviewed to gauge diversification of risk, client concentrations, industry group, loan type, geographic area, or other relevant classifications of loans. Specific segments of the loan portfol io are monitored and reported to the Board on a quarterly basis and have strategic plans in place to supplement Board approved credit policies governing exposure limits and underwriting standards. Detailed below are the types of loans within the Company’s loan portfolio and risk characteristics unique to each. Commercial, Financial, and Agricultural – Loans in this category are primarily made based on identified cash flows of the borrower with consideration given to underlying collateral and person al or other guarantees. Lending policy establishes debt service coverage ratio limits that require a borrower’s cash flow to be sufficient to cover principal and interest payments on all new and existing debt. The majority of these loans are secured by t he assets being financed or other business assets such as accounts receivable, inventory, or equipment. Collateral values are determined based upon third party appraisals and evaluations. Loan to value ratios at origination are governed by established po licy guidelines. Real Estate Construction – Loans in this category consist of short-term construction loans, revolving and non-revolving credit lines and construction/permanent loans made to individuals and investors to finance the acquisition, developm ent, construction or rehabilitation of real property. These loans are primarily made based on identified cash flows of the borrower or project and generally secured by the property being financed, including 1-4 family residential properties and commercial properties that are either owner-occupied or investment in nature. These properties may include either vacant or improved property. Construction loans are generally based upon estimates of costs and value associated with the completed project. Collater al values are determined based upon third party appraisals and evaluations. Loan to value ratios at origination are governed by established policy guidelines. The disbursement of funds for construction loans is made in relation to the progress of the pro ject and as such these loans are closely monitored by on-site inspections. Real Estate Commercial Mortgage – Loans in this category consists of commercial mortgage loans secured by property that is either owner-occupied or investment in nature. T hese loans are primarily made based on identified cash flows of the borrower or project with consideration given to underlying real estate collateral and personal guarantees. Lending policy establishes debt service coverage ratios and loan to value ratios specific to the property type. Collateral values are determined based upon third party appraisals and evaluations. Real Estate Residential – Residential mortgage loans held in the Company’s loan portfolio are made to borrowers that demonstrate the ab ility to make scheduled payments with full consideration to underwriting factors such as current income, employment status, current assets, and other financial resources, credit history, and the value of the collateral. Collateral consists of mortgage lie ns on 1-4 family residential properties. Collateral values are determined based upon third party appraisals and evaluations. The Company does not originate sub-prime loans. Real Estate Home Equity – Home equity loans and lines are made to qualified in dividuals for legitimate purposes generally secured by senior or junior mortgage liens on owner-occupied 1-4 family homes or vacation homes. Borrower qualifications include favorable credit history combined with supportive income and debt ratio requiremen ts and combined loan to value ratios within established policy guidelines. Collateral values are determined based upon third party appraisals and evaluations. Consumer Loans – This loan portfolio includes personal installment loans, direct and indirec t automobile financing, and overdraft lines of credit. The majority of the consumer loan portfolio consists of indirect and direct automobile loans. Lending policy establishes maximum debt to income ratios, minimum credit scores, and includes guidelines for verification of applicants’ income and receipt of credit reports. Credit Quality Indicators . As part of the ongoing monitoring of the Company’s loan portfolio quality, management 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 performance, credit documentation, and current economic/market trends, among other factors. Risk ratings are assigned to each loan and revised as needed through established monitoring procedures for individual loan relationships over a predetermined amount and review of smaller balance homogenous loan pools. The Company uses the definitions noted below for categorizing and managing its criticized loans. Loans categorized as “Pass” do not meet the criteria set forth for the Special Mention, Substandard, or Doubtful categories and are not considered criticized. Special Mention – Loans in this category are presently protected from loss, but weaknesses are apparent which, if not corrected, could cause future problems. Loans in this category may not meet required underwriting criteria and have no mitigating factors. More than the ordinary amount of attention is warranted for these loans. Substandard – Loans in this category exhibit well-defined weaknesses that would typically bring normal repayment into jeopardy. These loans are no longer adequately protected due to well-defined weaknesses that affect the repayment capacity of the borrower. The possibility of loss is much more evident and above average supervision is required for these loans. Doubtful – Loans in this category have all the weaknesses inherent in a loan categorized as Substandard, with the characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. The following table presents the risk category of loans by segment. Commercial, Financial, Total Criticized (Dollars in Thousands) Agriculture Real Estate Consumer Loans September 30, 2016 Special Mention $ 4,185 $ 24,893 $ 196 $ 29,274 Substandard 1,607 41,080 541 43,228 Doubtful - - - - Total Criticized Loans $ 5,792 $ 65,973 $ 737 $ 72,502 December 31, 2015 Special Mention $ 5,938 $ 27,838 $ 69 $ 33,845 Substandard 1,307 51,425 819 53,551 Doubtful - - - - Total Criticized Loans $ 7,245 $ 79,263 $ 888 $ 87,396 Troubled Debt Restructurings (“TDRs”) . TDRs are loans in which the borrower is experiencing financial difficulty and the Company has granted an economic concession to the borrower that it would not otherwise consider. In these instances, as part of a work-out alternative, the Company will make concessions including the extension of the loan term, a principal moratorium, a reduction in the interest rate, or a combination thereof. The impact of the TDR modifications and defaults are factored into the al lowance for loan losses on a loan-by-loan basis as all TDRs are, by definition, impaired loans. Thus, specific reserves are established based upon the results of either a discounted cash flow analysis or the underlying collateral value, if the loan is dee med to be collateral dependent. In the limited circumstances that a loan is removed from TDR classification it is the Company's policy to also remove it from the impaired loan category, but to continue to individually evaluate loan impairment based on the contractual terms specified by the loan agreement. The following table presents loans classified as TDRs. September 30, 2016 December 31, 2015 (Dollars in Thousands) Accruing Nonaccruing Accruing Nonaccruing Commercial, Financial and Agricultural $ 792 $ 42 $ 897 $ - Real Estate – Construction - - - - Real Estate – Commercial Mortgage 16,259 1,253 16,621 1,070 Real Estate – Residential 15,140 507 14,979 1,582 Real Estate – Home Equity 2,672 - 2,914 - Consumer 183 - 223 35 Total TDRs $ 35,046 $ 1,802 $ 35,634 $ 2,687 Loans classified as TDRs during the periods indicated are presented in the table below. The modifications made during the reporting period involved either an extension of the loan term, an interest rate adjustment, or a principal moratorium, and the financial impact of these m odifications was not material. Three Months Ended September 30, Nine Months Ended September 30, 2016 2016 Pre- Post- Pre- Post- Number Modified Modified Number Modified Modified of Recorded Recorded of Recorded Recorded (Dollars in Thousands) Contracts Investment Investment Contracts Investment Investment Commercial, Financial and Agricultural - $ - $ - - $ - $ - Real Estate – Construction - - - - - - Real Estate – Commercial Mortgage - - - 1 332 332 Real Estate – Residential - - - 6 589 590 Real Estate – Home Equity 1 17 17 5 205 206 Consumer - - - - - - Total TDRs 1 $ 17 $ 17 12 $ 1,126 $ 1,128 Three Months Ended September 30, Nine Months Ended September 30, 2015 2015 Pre- Post- Pre- Post- Number Modified Modified Number Modified Modified of Recorded Recorded of Recorded Recorded (Dollars in Thousands) Contracts Investment Investment Contracts Investment Investment Commercial, Financial and Agricultural - $ - $ - - $ - $ - Real Estate – Construction - - - - - - Real Estate – Commercial Mortgage - - - 2 515 515 Real Estate – Residential 1 49 49 6 717 690 Real Estate – Home Equity 1 50 50 1 50 49 Consumer - - - - - - Total TDRs 2 $ 99 $ 99 9 $ 1,282 $ 1,254 For the three and nine months ended September 30, 201 6 , loans modified as TDRs within the previous 12 months that have subsequently defaulted during the periods indicated are presented in the table below. For the three and nine months ended September 30, 2015, there were no loans modified as TDRs within the previous 12 months that have subsequently defaulted . Three Months Ended September 30, Nine Months Ended September 30, 2016 2016 Number Post-Modified Number Post-Modified of Recorded of Recorded (Dollars in Thousands) Contracts Investment (1) Contracts Investment (1) Commercial, Financial and Agricultural - $ - - $ - Real Estate – Construction - - - - Real Estate – Commercial Mortgage - - - - Real Estate – Residential - - 1 98 Real Estate – Home Equity - - 1 3 Consumer - - 1 35 Total TDRs - $ - 3 $ 136 (1) Recorded investment reflects charge-offs and additional funds advanced at time of restructure, if applicable. The following table provides information on how TDRs were modified during the periods indicated. Three Months Ended September 30, Nine Months Ended September 30, 2016 2016 Number of Recorded Number of Recorded (Dollars in Thousands) Contracts Investment (1) Contracts Investment (1) Extended amortization 1 $ 17 2 $ 107 Interest rate adjustment - - - - Extended amortization and interest rate adjustment - - 10 1,021 Total TDRs 1 $ 17 12 $ 1,128 Three Months Ended September 30, Nine Months Ended September 30, 2015 2015 Number of Recorded Number of Recorded (Dollars in Thousands) Contracts Investment (1) Contracts Investment (1) Extended amortization 1 $ 49 2 $ 167 Interest rate adjustment - - 1 156 Extended amortization and interest rate adjustment 1 50 6 931 Total TDRs 2 $ 99 9 $ 1,254 (1) Recorded investment reflects charge-offs and additional funds advanced at time of restructure, if applicable.

OTHER REAL ESTATE OWNED

OTHER REAL ESTATE OWNED	9 Months Ended
	Sep. 30, 2016
Other Real Estate [Abstract]
Other Real Estate Owned	NOTE 4 – OTHER REAL ESTATE OWNED The following table presents other real estate owned activity for the periods indicated. Three Months Ended September 30, Nine Months Ended September 30, (Dollars in Thousands) 2016 2015 2016 2015 Beginning Balance $ 14,622 $ 30,167 $ 19,290 $ 35,680 Additions 890 1,242 3,309 4,072 Valuation Write-downs (397) (269) (1,910) (1,575) Sales (2,377) (5,921) (7,951) (12,684) Other - - - (274) Ending Balance $ 12,738 $ 25,219 $ 12,738 $ 25,219 Net expenses applicable to other real estate owned include the following: Three Months Ended September 30, Nine Months Ended September 30, (Dollars in Thousands) 2016 2015 2016 2015 Gains from the Sale of Properties $ (70) $ (31) $ (364) $ (686) Losses from the Sale of Properties 216 591 977 1,249 Rental Income from Properties (34) (13) (66) (244) Property Carrying Costs 312 486 849 1,836 Valuation Adjustments 397 269 1,910 1,575 Total $ 821 $ 1,302 $ 3,306 $ 3,730 As of September 30, 2016 the Company had $ 1.6 million of loans secured by residential real estate in the process of foreclosure .

EMPLOYEE BENEFIT PLANS

EMPLOYEE BENEFIT PLANS	9 Months Ended
	Sep. 30, 2016
Compensation and Retirement Disclosure [Abstract]
EMPLOYEE BENEFIT PLANS	NOTE 5 - EMPLOYEE BENEFIT PLANS The Company has a defined benefit pension plan covering substantially all full-time and eligible part-time associates and a Supplemental Executive Retirement Plan (“SERP”) covering its executive officers. The components of the net periodic benefit cost for the Company's qualified benefit pension plan were as follows: Three Months Ended September 30, Nine Months Ended September 30, (Dollars in Thousands) 2016 2015 2016 2015 Service Cost $ 1,613 $ 1,715 $ 4,839 $ 5,145 Interest Cost 1,397 1,438 4,191 4,313 Expected Return on Plan Assets (1,934) (1,955) (5,802) (5,865) Prior Service Cost Amortization 69 77 207 232 Net Loss Amortization 801 891 2,403 2,673 Net Periodic Benefit Cost $ 1,946 $ 2,166 $ 5,838 $ 6,498 Discount Rate 4.52% 4.15% 4.52% 4.15% Long-term Rate of Return on Assets 7.50% 7.50% 7.50% 7.50% The components of the net periodic benefit cost for the Company's SERP were as follows: Three Months Ended September 30, Nine Months Ended September 30, (Dollars in Thousands) 2016 2015 2016 2015 Interest Cost $ 40 $ 34 $ 120 $ 101 Prior Service Cost Amortization - 2 - 5 Net Loss Amortization 190 44 570 134 Net Periodic Benefit Cost $ 230 $ 80 $ 690 $ 240 Discount Rate 4.13% 4.15% 4.13% 4.15% Effective December 31, 2015, the Company changed the method used to estimate the service and interest components of net periodic benefit cost for the defined benefit and supplemental executive retirement plans. This new estimation approach discounts the individual expected cash flows underlying the service cost and interest cost using the applicable spot rates derived from the yield curve used to discount the cash flows for the benefit obligations. Historically, the estimated service and interest cost co mponents utilized a single weighted-average discount rate derived from the yield curve used to measure the benefit obligations at the beginning of the period. The Company elected this change to provide a more precise measurement of service and interest co sts by improving the correlation between projected benefit cash flows to the corresponding spot yield curve rates. The change was accounted for as a change in accounting estimate that is inseparable from a change in accounting principle and was accounted for prospectively. While the benefit obligations for the plans measured under this approach was unchanged, the more granular application of the spot rates decreased the combined service and interest costs for the defined benefit retirement plan for fiscal 2016 by $ 0 . 7 million and the supplemental executive retirement plans by $34,000.

COMMITMENTS AND CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	9 Months Ended
	Sep. 30, 2016
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS AND CONTINGENCIES	NOTE 6 - COMMITMENTS AND CONTINGENCIES Lending Commitments . The Company is a party to financial instruments with off-balance sheet risks in the normal course of business to meet the financing needs of its clients. These financial instruments consist of commitments to extend credit and standby letters of credit. The Company’s maximum exposure to credit loss under standby letters of credit and commitments to extend credit is represented by the contractual amount of those instruments. The Compa ny uses the same credit policies in establishing commitments and issuing letters of credit as it does for on-balance sheet instruments. The amounts associated with the Company’s off-balance sheet obligations were as follows: September 30, 2016 December 31, 2015 (Dollars in Thousands) Fixed Variable Total Fixed Variable Total Commitments to Extend Credit (1) $ 62,889 $ 342,179 $ 405,068 $ 57,571 $ 306,642 $ 364,213 Standby Letters of Credit 5,529 - 5,529 6,095 - 6,095 Total $ 68,418 $ 342,179 $ 410,597 $ 63,666 $ 306,642 $ 370,308 (1) Commitments include unfunded loans, revolving lines of credit, and other unused commitments. Commitments to extend credit are agreements to lend to a client so long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. Standby letters of credit are conditional commitments issued by the Company to guarantee th e performance of a client to a third party. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities. In general, management does not anticipate any material losses as a result of particip ating in these types of transactions. However, any potential losses arising from such transactions are reserved for in the same manner as management reserves for its other credit facilities. For both on- and off-balance sheet financial instruments, the C ompany requires collateral to support such instruments when it is deemed necessary. The Company evaluates each client’s creditworthiness on a case-by-case basis. The amount of collateral obtained upon extension of credit is based on management’s credit e valuation of the counterparty. Collateral held varies, but may include deposits held in financial institutions; U.S. Treasury securities; other marketable securities; real estate; accounts receivable; property, plant and equipment; and inventory. Contingencies . The Company is a party to lawsuits and claims arising out of the normal course of business. In management's opinion, there are no known pending claims or litigation, the outcome of which would, individually or in the aggregate, have a material effect on the consolidated results of operations, financial position, or cash flows of the Company. Indemnification Obligation . The Company is a member of the Visa U.S.A. network. Visa U.S.A member banks are required to indemnify it for potenti al future settlement of certain litigation (the “Covered Litigation”) that relates to several antitrust lawsuits challenging the practices of Visa and MasterCard International. In 2008, the Company, as a member of the Visa U.S.A. network, obtained Class B shares of Visa, Inc. upon its initial public offering. Since its initial public offering, Visa, Inc. has funded a litigation reserve for the Covered Litigation resulting in a reduction in the Class B shares held by the Company. During the first quarter of 2011, the Company sold its remaining Class B shares resulting in a $3.2 million pre-tax gain. Associated with this sale, the Company entered into a swap contract with the purchaser of the shares that requires a payment to the counterparty in the event that Visa, Inc. makes subsequent revisions to the conversion ratio for its Class B shares. Fixed charges included in the swap liability are payable quarterly until the litigation reserve is fully liquidated and at which time the aforementioned swap contra ct will be terminated. Quarterly fixed payments approximate $ 72 ,000. Conversion ratio payments and ongoing fixed quarterly charges are reflected in earnings in the period incurred.

FAIR VALUE MEASUREMENTS

FAIR VALUE MEASUREMENTS	9 Months Ended
	Sep. 30, 2016
Fair Value Disclosures [Abstract]
FAIR VALUE MEASUREMENTS	NOTE 7 – FAIR VALUE MEASUREMENTS The fair value of an asset or liability is the price that would be received to sell that asset or paid to transfer that liability in an orderly transaction occurring in the principal market (or most advantageous market in the absence of a principal market) for such asset or liability. In estimating fair value, the Company utilizes valuation techniques that are consistent with the market approach, the income approach and/or the cost approach. Such valuation techn iques are consistently applied. Inputs to valuation techniques include the assumptions that market participants would use in pricing an asset or liability. ASC Topic 820 establishes a fair value hierarchy for valuation inputs that gives the highest prior ity to quoted prices in active markets for identical assets or liabilities and the lowest priority to unobservable inputs. The fair value hierarchy is as follows: Level 1 Inputs - Unadjusted quoted prices in active markets for identical assets or liabili ties that the reporting entity has the ability to access at the measurement date . Level 2 Inputs - Inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly. These might include quote d prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, inputs other than quoted prices that are observable for the asset or liability (such as interest rate s, volatilities, prepayment speeds, credit risks, etc.) or inputs that are derived principally from, or corroborated, by market data by correlation or other means . Level 3 Inputs - Unobservable inputs for determining the fair values of assets or liabilities that reflect an entity's own assumptions about the assumptions that market participants would use in pricing the assets or liabilities. Assets and Liabilities Measured at Fair Value on a Recurring Basis Securities Available for Sale. U.S. Treasury securities are reported at fair value utilizing Level 1 inputs. Other securities classified as available for sale are reported at fair value utilizing Level 2 inputs. For these securities, the Company obtains fair value measurements from an independent pricing service. The fair value measurements consider observable data that may include dealer q uotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, credit information and the bond’s terms and conditions, among other things. In general, the Company does not purchase securities that have a compl icated structure. The Company’s entire portfolio consists of traditional investments, nearly all of which are U.S. Treasury obligations, federal agency bullet or mortgage pass-through securities, or general obligation or revenue based municipal bonds. Pr icing for such instruments is easily obtained. From time to time, the Company will validate, on a sample basis, prices supplied by the independent pricing service by comparison to prices obtained from third-party sources or derived using internal models. Fair Value Swap . The Company entered into a stand-alone derivative contract with the purchaser of its Visa Class B shares. The valuation represents the amount due and payable to the counterparty based upon the revised share conversion rate, if any, duri ng the period. At September 30, 2016 , there were no amounts payable. A summary of fair values for assets and liabilities consisted of the following: Level 1 Level 2 Level 3 Total Fair (Dollars in Thousands) Inputs Inputs Inputs Value September 30, 2016 Securities Available for Sale: U.S. Government Treasury $ 273,685 $ - $ - $ 273,685 U.S. Government Agency - 129,516 - 129,516 States and Political Subdivisions - 86,634 - 86,634 Mortgage-Backed Securities - 1,482 - 1,482 Equity Securities - 8,822 - 8,822 December 31, 2015 Securities Available for Sale: U.S. Government Treasury $ 250,346 $ - $ - $ 250,346 U.S. Government Agency - 101,824 - 101,824 States and Political Subdivisions - 88,362 - 88,362 Mortgage-Backed Securities - 1,901 - 1,901 Equity Securities - 8,595 - 8,595 Assets Measured at Fair Value on a Non-Recurring Basis Certain assets are measured at fair value on a non-recurring basis (i.e., the assets are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances). An example would be assets exhibiting evidence of impairment. The following is a description of valuation methodologies used for assets measured on a non-recurring basis. Impaired Loans . Impairment for collateral dependent loans is measured using the fair value of the collateral less selling costs. The fair value of collateral is determined by an independent valuation or professional appraisal in conformance with banking regulations. Collateral values are estimated using Level 3 inputs due to the volatility in the real estate market, and the judgmen t and estimation involved in the real estate appraisal process. Impaired loans are reviewed and evaluated on at least a quarterly basis for additional impairment and adjusted accordingly. Valuation techniques are consistent with those techniques applied in prior periods. Impaired collateral dependent loans had a carrying value of $ 6.3 million with a valuation allowance of $ 0.7 million at September 30, 2016 and $ 8.8 million and $ 0 . 9 million, respectively , at December 31, 2015 . Loans Held for Sale . These loans are carried at the lower of cost or fair value and are adjusted to fair value on a non-recurring basis. Fair value is based on observable markets rates for comparable loan products, which is considered a Level 2 fair value measurement. Othe r Real Estate Owned . During the first nine months of 2016 , certain foreclosed assets, upon initial recognition, were measured and reported at fair value through a charge-off to the allowance for loan losses based on the fair value of the forec losed asset less estimated cost to sell. The fair value of the foreclosed asset is determined by an independent valuation or professional appraisal in conformance with banking regulations. On an ongoing basis, we obtain updated appraisals on foreclosed a ssets and realize valuation adjustments as necessary. The fair value of foreclosed assets is estimated using Level 3 inputs due to the judgment and estimation involved in the real estate valuation process. Assets and Liabilities Disclosed at Fair Value The Company is required to disclose the estimated fair value of financial instruments, both assets and liabilities, for which it is practical to estimate fair value and the following is a description of valuation methodologies used for those assets and l iabilities. Cash and Short-Term Investments. The carrying amount of cash and short-term investments is used to approximate fair value, given the short time frame to maturity and as such assets do not present unanticipated credit concerns. Securities He ld to Maturity . Securities held to maturity are valued in accordance with the methodology previously noted in this footnote under the caption “Assets and Liabilities Measured at Fair Value on a Recurring Basis – Securities Available for Sale”. Loans. The loan portfolio is segregated into categories and the fair value of each loan category is calculated using present value techniques based upon projected cash flows and estimated discount rates that reflect the credit, interest rate, and liquidity risk s inherent in each loan category. The calculated present values are then reduced by an allocation of the allowance for loan losses against each respective loan category. Deposits. The fair value of Noninterest Bearing Deposits, NOW Accounts, Money Marke t Accounts and Savings Accounts are the amounts payable on demand at the reporting date. The fair value of fixed maturity certificates of deposit is estimated using present value techniques and rates currently offered for deposits of similar remaining matu rities. Subordinated Notes Payable. The fair value of each note is calculated using present value techniques, based upon projected cash flows and estimated discount rates as well as rates being offered for similar obligations. Short-Term and Long-Term B orrowings. The fair value of each note is calculated using present value techniques, based upon projected cash flows and estimated discount rates as well as rates being offered for similar debt. A summary of estimated fair values of significant financial instruments consisted of the following: September 30, 2016 Carrying Level 1 Level 2 Level 3 (Dollars in Thousands) Value Inputs Inputs Inputs ASSETS: Cash $ 79,608 $ 79,608 $ - $ - Short-Term Investments 144,576 144,576 - - Investment Securities, Available for Sale 500,139 273,685 226,454 - Investment Securities, Held to Maturity 189,928 129,853 60,976 - Loans Held for Sale 10,510 - 10,510 - Loans, Net of Allowance for Loan Losses 1,543,768 - - 1,547,466 LIABILITIES: Deposits $ 2,315,107 $ - $ 2,311,870 $ - Short-Term Borrowings 12,113 - 12,142 - Subordinated Notes Payable 52,887 - 42,622 - Long-Term Borrowings 21,368 - 21,974 - December 31, 2015 Carrying Level 1 Level 2 Level 3 (Dollars in Thousands) Value Inputs Inputs Inputs ASSETS: Cash $ 51,288 $ 51,288 $ - $ - Short-Term Investments 327,617 327,617 - - Investment Securities, Available for Sale 451,028 250,346 200,682 - Investment Securities, Held to Maturity 187,892 134,439 52,968 - Loans Held for Sale 11,632 - 11,632 - Loans, Net of Allowance for Loan Losses 1,478,322 - - 1,483,926 LIABILITIES: Deposits $ 2,302,849 $ - $ 2,228,210 $ - Short-Term Borrowings 61,058 - 64,947 - Subordinated Notes Payable 62,887 - 49,230 - Long-Term Borrowings 28,265 - 30,448 - All non-financial instruments are excluded from the above table. The disclosures also do not include goodwill. Accordingly, the aggregate fair value amounts presented do not represent the underlying value of the Company.

OTHER COMPREHENSIVE INCOME

OTHER COMPREHENSIVE INCOME	9 Months Ended
	Sep. 30, 2016
Equity [Abstract]
OTHER COMPREHENSIVE INCOME	NOTE 8 – OTHER COMPREHENSIVE INCOME The amounts allocated to other comprehensive income are presented in the table below. Reclassification adjustments related to securities held for sale are included in net gain /loss on securities transactions in the accompanying consolidated statements of comprehensive income. For the periods presented, reclassifications adjustments related to securities held for sale was not material. Before Tax Net of Tax (Expense) Tax (Dollars in Thousands) Amount Benefit Amount Three Months Ended September 30, 2016 Investment Securities: Change in net unrealized gain/loss on securities available for sale $ (1,158) $ 447 $ (711) Amortization of losses on securities transferred from available for sale to held to maturity 21 (8) 13 Total Other Comprehensive Loss $ (1,137) $ 439 $ (698) Nine Months Ended September 30, 2016 Investment Securities: Change in net unrealized gain/loss on securities available for sale $ 1,535 $ (592) $ 943 Amortization of losses on securities transferred from available for sale to held to maturity 60 (23) 37 Total Other Comprehensive Income $ 1,595 $ (615) $ 980 Before Tax Net of Tax (Expense) Tax (Dollars in Thousands) Amount Benefit Amount Three Months Ended September 30, 2015 Investment Securities: Change in net unrealized gain/loss on securities available for sale $ 533 $ (206) $ 327 Amortization of losses on securities transferred from available for sale to held to maturity 21 (8) 13 Total Other Comprehensive Income $ 554 $ (214) $ 340 Nine Months Ended September 30, 2015 Investment Securities: Change in net unrealized gain/loss on securities available for sale $ 1,562 $ (602) $ 960 Amortization of losses on securities transferred from available for sale to held to maturity 56 (22) 34 Total Other Comprehensive Income $ 1,618 $ (624) $ 994 Accumulated other comprehensive loss was comprised of the following components: Accumulated Securities Other Available Retirement Comprehensive (Dollars in Thousands) for Sale Plans Loss Balance as of January 1, 2016 $ (127) $ (22,130) $ (22,257) Other comprehensive income during the period 980 - 980 Balance as of September 30, 2016 $ 853 $ (22,130) $ (21,277) Balance as of January 1, 2015 $ 59 $ (21,568) $ (21,509) Other comprehensive income during the period 994 - 994 Balance as of September 30, 2015 $ 1,053 $ (21,568) $ (20,515)

ACCOUNTING STANDARDS UPDATES

ACCOUNTING STANDARDS UPDATES	9 Months Ended
	Sep. 30, 2016
Accounting Standards Updates
ACCOUNTING STANDARDS UPDATES	NOTE 9 – ACCOUNTING STANDARDS UPDATES ASU 2016-01,” Financial Instruments – Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities.” ASU 2016-1, among other things, (i) requires equity investments, with certain exceptions, to be measured at fair value with changes in fair value recognized in net income, (ii) simplifies the impairment assessment of equity investments without readily determinable fair values by requiring a qualitative assessment to identify impairment, (iii) eliminates the requirement for public business entities to disclose the methods and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost on the bala nce sheet, (iv) requires public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes, (v) requires an entity to present separately in other comprehensive income the portion of the tot al change in the fair value of a liability resulting from a change in the instrument-specific credit risk when the entity has elected to measure the liability at fair value in accordance with the fair value option for financial instruments, (vi) requires s eparate presentation of financial assets and financial liabilities by measurement category and form of financial asset on the balance sheet or the accompanying notes to the financial statements and (viii) clarifies that an entity should evaluate the need f or a valuation allowance on a deferred tax asset related to available-for-sale. ASU 2016-1 will be effective for the Company on January 1, 2018 and is not expected to have a significant impact on its financial statements. ASU 2016-02, “Leases (Topic 842) .” ASU 2016-02 requires the lease rights and obligations arising from lease contracts, including existing and new arrangements, to be recognized as assets and liabilities on the balance sheet. ASU 2016-02 is effective for the Company January 1, 2019 and is not expected to have a significant impact on its financial statements. ASU 2016-07, “Investments-Equity Method and Joint Ventures (Topic 323) – Simplifying the Transition to the Equity Method of Accounting.” ASU 2016 -07 eliminates the requirement tha t when an investment qualifies for the use of the equity method as a result in the increase in ownership interest, to retroactively apply the equity method of accounting to all previous periods that the investment was held. The amendments require that the equity method investor add the cost of acquiring the additional interest to the current basis of the investment. ASU 2016-07 will be effective for the Company on January 1, 2017 and is not expected to have a significant impact on its financial statements . ASU 2016-09, “Compensation - Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting.” Under ASU 2016-09 all excess tax benefits and tax deficiencies related to share-based payment awards should be recognized as income ta x expense or benefit in the income statement during the period in which they occur. Previously, such amounts were recorded in the pool of excess tax benefits included in additional paid-in capital, if such pool was available. Because excess tax benefits are no longer recognized in additional paid-in capital, the assumed proceeds from applying the treasury stock method when computing earnings per share should exclude the amount of excess tax benefits that would have previously been recognized in additional paid-in capital. Additionally, excess tax benefits should be classified along with other income tax cash flows as an operating activity rather than a financing activity, as was previously the case. ASU 2016-09 also provides that an entity can make an en tity-wide accounting policy election to either estimate the number of awards that are expected to vest (current GAAP) or account for forfeitures when they occur. ASU 2016-09 changes the threshold to qualify for equity classification (rather than as a liab ility) to permit withholding up to the maximum statutory tax rates (rather than the minimum as was previously the case) in the applicable jurisdictions. ASU 2016-09 will be effective for the Company on January 1, 2017 and is not expected to have a signifi cant impact on its financial statements. ASU 2016-13, “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Statements.” ASU 2016-13 requires the measurement of all expected credit losses for financial assets held at the reporting date based on historical experience, current conditions, and reasonable and supportable forecasts and requires enhanced disclosures related to the significant estimates and judgments used in estimating credit losses, as well as the credit quality and underwriting standards of an organization’s portfolio. In addition, ASU 2016-13 amends the accounting for credit losses on available-for-sale debt securities and purchased financial assets with credit deterioration. ASU 2016-13 will be effecti ve for the Company on January 1, 2020. The Company is currently evaluating the potential impact of ASU 2016-13 on its financial statements. ASU 2016-15, “Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payments.” ASU 2016-15 addresses eight classification issues related to the statement of cash flow. The issues are (i) debt prepayment or debt extinguishment costs, (ii) settlement of zero-coupon debt instruments or other debt instruments with coupon interest rates th at are insignificant in relation to the effective interest rate of the borrowing, (iii) contingent consideration payments made after a business combination, (iv) proceeds from the settlement of insurance claims, (v) proceeds from the settlement of corporat e-owned life insurance policies (COLIs) (including bank-owned life insurance policies (BOLIs)), (vi) distributions received from equity method investees, (vii) beneficial interests in securitization transactions, and (viii) separately identifiable cash flo ws and application of the predominance principle. ASU 2016-1 5 will be effective for the Company on January 1, 2018 and is not expected to have a significant impact on its financial statements.

SIGNIFICANT ACCOUNTING POLICI18

SIGNIFICANT ACCOUNTING POLICIES (Policies)	9 Months Ended
	Sep. 30, 2016
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Nature of Operations	Nature of Operations . Capital City Bank Group, Inc. (“CCBG” or the “Company”) provides a full range of banking and banking-related services to individual and corporate clients through its subsidiary, Capital City Bank, with banking offices located in Florida, Georgia, and Ala bama. The Company is subject to competition from other financial institutions, is subject to regulation by certain government agencies and undergoes periodic examinations by those regulatory authorities.
Basis of Presentation	Basis of Presentation . The consolidated financial statements in this Quarterly Report on Form 10-Q include the accounts of CCBG and its wholly-owned subsidiary, Capital City Bank (“CCB” or the “Bank” and together with the Company). All material inter-company transactions and accounts have been eliminate d. Certain previously reported amounts have been reclassified to conform to the current year’s presentation. The accompanying unaudited consolidated financial statements have been prepared in accordance with generally accepted accounting principles for i nterim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by generally accepted accounting principles for complete financial stateme nts. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. The consolidated statement of financial condition at December 31, 2015 has been derived from the audited consolidated financial statements at that date , but does not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. For further information, re fer to the consolidated financial statements and footnotes thereto included in the Company’s annual report on Form 10-K for the year ended December 31, 2015 .

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	9 Months Ended
	Sep. 30, 2016
Investments, Debt and Equity Securities [Abstract]
Schedule of amortized cost and related market value of investment securities available-for-sale	Investment Portfolio Composition . The amortized cost and related market value of investment securities available-for-sale and held-to-maturity were as follows: September 30, 2016 December 31, 2015 Amortized Unrealized Unrealized Market Amortized Unrealized Unrealized Market Cost Gains Losses Value Cost Gain Losses Value Available for Sale U.S. Government Treasury $ 272,656 $ 1,029 $ - $ 273,685 $ 250,458 $ 101 $ 213 $ 250,346 U.S. Government Agency 129,150 569 203 129,516 101,730 357 263 101,824 States and Political Subdivisions 86,490 189 45 86,634 88,358 103 99 88,362 Mortgage-Backed Securities 1,340 142 - 1,482 1,742 159 - 1,901 Equity Securities (1) 8,822 - - 8,822 8,595 - - 8,595 Total $ 498,458 $ 1,929 $ 248 $ 500,139 $ 450,883 $ 720 $ 575 $ 451,028 Held to Maturity U.S. Government Treasury $ 129,323 $ 530 $ - $ 129,853 $ 134,554 $ 45 $ 160 $ 134,439 U.S. Government Agency 1,904 1 - 1,905 10,043 7 5 10,045 States and Political Subdivisions 9,983 69 1 10,051 15,693 38 7 15,724 Mortgage-Backed Securities 48,718 366 64 49,020 27,602 4 407 27,199 Total $ 189,928 $ 966 $ 65 $ 190,829 $ 187,892 $ 94 $ 579 $ 187,407 Total Investment Securities $ 688,386 $ 2,895 $ 313 $ 690,968 $ 638,775 $ 814 $ 1,154 $ 638,435
Schedule of investment securities with maturity distribution based on contractual maturities	Available for Sale Held to Maturity Amortized Market Amortized Market (Dollars in Thousands) Cost Value Cost Value Due in one year or less $ 146,612 $ 146,872 $ 60,424 $ 60,503 Due after one through five years 252,653 253,644 80,786 81,305 Mortgage-Backed Securities 1,340 1,482 48,718 49,021 U.S. Government Agency 89,031 89,319 - - Equity Securities 8,822 8,822 - - Total $ 498,458 $ 500,139 $ 189,928 $ 190,829
Schedule of investment securities with continuous unrealized loss position	Less Than Greater Than 12 Months 12 Months Total Market Unrealized Market Unrealized Market Unrealized (Dollars in Thousands) Value Losses Value Losses Value Losses September 30, 2016 Available for Sale U.S. Government Agency $ 36,793 $ 153 $ 10,123 $ 50 $ 46,916 $ 203 States and Political Subdivisions 28,831 44 298 1 29,129 45 Total 65,624 197 10,421 51 76,045 248 Held to Maturity States and Political Subdivisions 1,252 1 - - 1,252 1 Mortgage-Backed Securities 2,095 5 7,120 59 9,215 64 Total $ 3,347 $ 6 $ 7,120 $ 59 $ 10,467 $ 65 December 31, 2015 Available for Sale U.S. Government Treasury $ 150,061 $ 213 $ - $ - $ 150,061 $ 213 U.S. Government Agency 43,508 200 9,644 63 53,152 263 States and Political Subdivisions 39,608 86 5,066 13 44,674 99 Total 233,177 499 14,710 76 247,887 575 Held to Maturity U.S. Government Treasury 92,339 160 - - 92,339 160 U.S. Government Agency 5,006 5 - - 5,006 5 States and Political Subdivisions 3,791 7 - - 3,791 7 Mortgage-Backed Securities 13,267 185 11,889 222 22,156 407 Total $ 114,403 $ 357 $ 11,889 $ 222 $ 126,292 $ 579

LOANS, NET (Tables)

LOANS, NET (Tables)	9 Months Ended
	Sep. 30, 2016
Receivables [Abstract]
Schedule of composition of the loan portfolio	(Dollars in Thousands) September 30, 2016 December 31, 2015 Commercial, Financial and Agricultural $ 223,278 $ 179,816 Real Estate – Construction 54,107 46,484 Real Estate – Commercial Mortgage 497,775 499,813 Real Estate – Residential (1) 287,068 290,585 Real Estate – Home Equity 235,433 233,901 Consumer 259,851 241,676 Loans, Net of Unearned Income $ 1,557,512 $ 1,492,275
Schedule of recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans	September 30, 2016 December 31, 2015 (Dollars in Thousands) Nonaccrual 90 + Days Nonaccrual 90 + Days Commercial, Financial and Agricultural $ 362 $ - $ 96 $ - Real Estate – Construction 121 - 97 - Real Estate – Commercial Mortgage 4,736 - 4,191 - Real Estate – Residential 2,254 - 4,739 - Real Estate – Home Equity 958 - 1,017 - Consumer 183 - 165 - Total Nonaccrual Loans $ 8,614 $ - $ 10,305 $ -
Schedule of aging of past due loans by class of loans	30-59 60-89 90 + Total Total Total (Dollars in Thousands) DPD DPD DPD Past Due Current Loans September 30, 2016 Commercial, Financial and Agricultural $ 59 $ 307 $ - $ 366 $ 222,550 $ 223,278 Real Estate – Construction - - - - 53,986 54,107 Real Estate – Commercial Mortgage 1,581 148 - 1,729 491,310 497,775 Real Estate – Residential 472 448 - 920 283,894 287,068 Real Estate – Home Equity 446 697 - 1,143 233,332 235,433 Consumer 1,231 278 - 1,509 258,159 259,851 Total Past Due Loans $ 3,789 $ 1,878 $ - $ 5,667 $ 1,543,231 $ 1,557,512 December 31, 2015 Commercial, Financial and Agricultural $ 153 $ 18 $ - $ 171 $ 179,549 $ 179,816 Real Estate – Construction 690 - - 690 45,697 46,484 Real Estate – Commercial Mortgage 754 1,229 - 1,983 493,639 499,813 Real Estate – Residential 567 347 - 914 284,932 290,585 Real Estate – Home Equity 787 97 - 884 232,000 233,901 Consumer 735 398 - 1,133 240,378 241,676 Total Past Due Loans $ 3,686 $ 2,089 $ - $ 5,775 $ 1,476,195 $ 1,492,275
Schedule of activity in the allowance for loan losses by portfolio class	Commercial, Real Estate Financial, Real Estate Commercial Real Estate Real Estate (Dollars in Thousands) Agricultural Construction Mortgage Residential Home Equity Consumer Total Three Months Ended September 30, 2016 Beginning Balance $ 1,048 $ 126 $ 4,389 $ 3,835 $ 2,391 $ 1,888 $ 13,677 Provision for Loan Losses 163 (3) 224 (324) (307) 247 - Charge-Offs (143) - (5) (96) (51) (479) (774) Recoveries 199 - 45 139 237 221 841 Net Charge-Offs 56 - 40 43 186 (258) 67 Ending Balance $ 1,267 $ 123 $ 4,653 $ 3,554 $ 2,270 $ 1,877 $ 13,744 Nine Months Ended September 30, 2016 Beginning Balance $ 905 $ 101 $ 4,498 $ 4,409 $ 2,473 $ 1,567 $ 13,953 Provision for Loan Losses 559 22 71 (1,030) (168) 901 355 Charge-Offs (484) - (279) (779) (412) (1,356) (3,310) Recoveries 287 - 363 954 377 765 2,746 Net Charge-Offs (197) - 84 175 (35) (591) (564) Ending Balance $ 1,267 $ 123 $ 4,653 $ 3,554 $ 2,270 $ 1,877 $ 13,744 Three Months Ended September 30, 2015 Beginning Balance $ 917 $ 360 $ 4,275 $ 5,654 $ 2,536 $ 1,494 $ 15,236 Provision for Loan Losses 183 (64) 333 (545) 273 233 413 Charge-Offs (365) - 26 (476) (370) (318) (1,503) Recoveries 45 - 86 193 42 225 591 Net Charge-Offs (320) - 112 (283) (328) (93) (912) Ending Balance $ 780 $ 296 $ 4,720 $ 4,826 $ 2,481 $ 1,634 $ 14,737 Nine Months Ended September 30, 2015 Beginning Balance $ 784 $ 843 $ 5,287 $ 6,520 $ 2,882 $ 1,223 $ 17,539 Provision for Loan Losses 708 (547) 426 (870) 506 858 1,081 Charge-Offs (894) - (1,163) (1,265) (1,006) (1,245) (5,573) Recoveries 182 - 170 441 99 798 1,690 Net Charge-Offs (712) - (993) (824) (907) (447) (3,883) Ending Balance $ 780 $ 296 $ 4,720 $ 4,826 $ 2,481 $ 1,634 $ 14,737
Schedule of allowance for loan losses by portfolio class and disaggregated on the basis of the impairment methodology	Commercial, Real Estate Financial, Real Estate Commercial Real Estate Real Estate (Dollars in Thousands) Agricultural Construction Mortgage Residential Home Equity Consumer Total September 30, 2016 Period-end amount Allocated to: Loans Individually Evaluated for Impairment $ 132 $ - $ 2,124 $ 1,669 $ 276 $ 7 $ 4,208 Loans Collectively Evaluated for Impairment 1,135 123 2,529 1,885 1,994 1,870 9,536 Ending Balance $ 1,267 $ 123 $ 4,653 $ 3,554 $ 2,270 $ 1,877 $ 13,744 December 31, 2015 Period-end amount Allocated to: Loans Individually Evaluated for Impairment $ 77 $ - $ 2,049 $ 2,118 $ 384 $ 18 $ 4,646 Loans Collectively Evaluated for Impairment 828 101 2,449 2,291 2,089 1,549 9,307 Ending Balance $ 905 $ 101 $ 4,498 $ 4,409 $ 2,473 $ 1,567 $ 13,953 September 30, 2015 Period-end amount Allocated to: Loans Individually Evaluated for Impairment $ 81 $ - $ 2,001 $ 2,004 $ 365 $ 4 $ 4,455 Loans Collectively Evaluated for Impairment 699 296 2,719 2,822 2,116 1,630 10,282 Ending Balance $ 780 $ 296 $ 4,720 $ 4,826 $ 2,481 $ 1,634 $ 14,737
Schedule of allowance for loan losses by portfolio class	Commercial, Real Estate Financial, Real Estate Commercial Real Estate Real Estate (Dollars in Thousands) Agricultural Construction Mortgage Residential Home Equity Consumer Total September 30, 2016 Individually Evaluated for Impairment $ 949 $ - $ 20,794 $ 16,457 $ 2,776 $ 186 $ 41,162 Collectively Evaluated for Impairment 222,329 54,107 476,981 270,611 232,657 259,665 1,516,350 Total $ 223,278 $ 54,107 $ 497,775 $ 287,068 $ 235,433 $ 259,851 $ 1,557,512 December 31, 2015 Individually Evaluated for Impairment $ 834 $ 97 $ 20,847 $ 18,569 $ 3,144 $ 261 $ 43,752 Collectively Evaluated for Impairment 178,982 46,387 478,966 272,016 230,757 241,415 1,448,523 Total $ 179,816 $ 46,484 $ 499,813 $ 290,585 $ 233,901 $ 241,676 $ 1,492,275 September 30, 2015 Individually Evaluated for Impairment $ 813 $ 468 $ 24,170 $ 18,079 $ 2,702 $ 161 $ 46,393 Collectively Evaluated for Impairment 168,775 49,007 467,564 272,705 229,552 241,187 1,428,790 Total $ 169,588 $ 49,475 $ 491,734 $ 290,784 $ 232,254 $ 241,348 $ 1,475,183
Schedule of loans individually evaluated for impairment by class of loans	Unpaid Recorded Recorded Principal Investment Investment Related (Dollars in Thousands) Balance With No Allowance With Allowance Allowance September 30, 2016 Commercial, Financial and Agricultural $ 949 $ 217 $ 732 $ 132 Real Estate – Construction - - - - Real Estate – Commercial Mortgage 20,794 4,452 16,342 2,124 Real Estate – Residential 16,457 1,863 14,594 1,669 Real Estate – Home Equity 2,776 1,314 1,462 276 Consumer 186 54 132 7 Total $ 41,162 $ 7,900 $ 33,262 $ 4,208 December 31, 2015 Commercial, Financial and Agricultural $ 834 $ 279 $ 555 $ 77 Real Estate – Construction 97 97 - - Real Estate – Commercial Mortgage 20,847 3,265 17,582 2,049 Real Estate – Residential 18,569 2,941 15,628 2,118 Real Estate – Home Equity 3,144 1,101 2,043 384 Consumer 261 79 182 18 Total $ 43,752 $ 7,762 $ 35,990 $ 4,646
Schedule of Average recorded investment and interest income recognized by class of impaired loans	Three Months Ended September 30, Nine Months Ended September 30, 2016 2015 2016 2015 Average Total Average Total Average Total Average Total Recorded Interest Recorded Interest Recorded Interest Recorded Interest (Dollars in Thousands) Investment Income Investment Income Investment Income Investment Income Commercial, Financial and Agricultural $ 871 $ 12 $ 942 $ 12 $ 847 $ 37 $ 1,044 $ 34 Real Estate – Construction - - 389 - 24 - 395 - Real Estate – Commercial Mortgage 20,692 203 26,959 250 20,757 658 29,343 821 Real Estate – Residential 17,091 197 18,499 215 17,743 602 19,239 626 Real Estate – Home Equity 2,824 29 2,831 20 3,001 84 2,965 64 Consumer 196 2 166 2 215 7 186 6 Total $ 41,674 $ 443 $ 49,786 $ 499 $ 42,587 $ 1,388 $ 53,172 $ 1,551
Schedule of risk category of loans by segment	Commercial, Financial, Total Criticized (Dollars in Thousands) Agriculture Real Estate Consumer Loans September 30, 2016 Special Mention $ 4,185 $ 24,893 $ 196 $ 29,274 Substandard 1,607 41,080 541 43,228 Doubtful - - - - Total Criticized Loans $ 5,792 $ 65,973 $ 737 $ 72,502 December 31, 2015 Special Mention $ 5,938 $ 27,838 $ 69 $ 33,845 Substandard 1,307 51,425 819 53,551 Doubtful - - - - Total Criticized Loans $ 7,245 $ 79,263 $ 888 $ 87,396
Schedule of troubled debt restructurings loans	September 30, 2016 December 31, 2015 (Dollars in Thousands) Accruing Nonaccruing Accruing Nonaccruing Commercial, Financial and Agricultural $ 792 $ 42 $ 897 $ - Real Estate – Construction - - - - Real Estate – Commercial Mortgage 16,259 1,253 16,621 1,070 Real Estate – Residential 15,140 507 14,979 1,582 Real Estate – Home Equity 2,672 - 2,914 - Consumer 183 - 223 35 Total TDRs $ 35,046 $ 1,802 $ 35,634 $ 2,687
Schedule of loans classified as TDRs	Three Months Ended September 30, Nine Months Ended September 30, 2016 2016 Pre- Post- Pre- Post- Number Modified Modified Number Modified Modified of Recorded Recorded of Recorded Recorded (Dollars in Thousands) Contracts Investment Investment Contracts Investment Investment Commercial, Financial and Agricultural - $ - $ - - $ - $ - Real Estate – Construction - - - - - - Real Estate – Commercial Mortgage - - - 1 332 332 Real Estate – Residential - - - 6 589 590 Real Estate – Home Equity 1 17 17 5 205 206 Consumer - - - - - - Total TDRs 1 $ 17 $ 17 12 $ 1,126 $ 1,128 Three Months Ended September 30, Nine Months Ended September 30, 2015 2015 Pre- Post- Pre- Post- Number Modified Modified Number Modified Modified of Recorded Recorded of Recorded Recorded (Dollars in Thousands) Contracts Investment Investment Contracts Investment Investment Commercial, Financial and Agricultural - $ - $ - - $ - $ - Real Estate – Construction - - - - - - Real Estate – Commercial Mortgage - - - 2 515 515 Real Estate – Residential 1 49 49 6 717 690 Real Estate – Home Equity 1 50 50 1 50 49 Consumer - - - - - - Total TDRs 2 $ 99 $ 99 9 $ 1,282 $ 1,254
Schedule of loans modified as TDRs within the previous 12 months and subsequently defaulted	Three Months Ended September 30, Nine Months Ended September 30, 2016 2016 Number Post-Modified Number Post-Modified of Recorded of Recorded (Dollars in Thousands) Contracts Investment (1) Contracts Investment (1) Commercial, Financial and Agricultural - $ - - $ - Real Estate – Construction - - - - Real Estate – Commercial Mortgage - - - - Real Estate – Residential - - 1 98 Real Estate – Home Equity - - 1 3 Consumer - - 1 35 Total TDRs - $ - 3 $ 136
Schedule of loans modified as TDRs information	Three Months Ended September 30, Nine Months Ended September 30, 2016 2016 Number of Recorded Number of Recorded (Dollars in Thousands) Contracts Investment (1) Contracts Investment (1) Extended amortization 1 $ 17 2 $ 107 Interest rate adjustment - - - - Extended amortization and interest rate adjustment - - 10 1,021 Total TDRs 1 $ 17 12 $ 1,128 Three Months Ended September 30, Nine Months Ended September 30, 2015 2015 Number of Recorded Number of Recorded (Dollars in Thousands) Contracts Investment (1) Contracts Investment (1) Extended amortization 1 $ 49 2 $ 167 Interest rate adjustment - - 1 156 Extended amortization and interest rate adjustment 1 50 6 931 Total TDRs 2 $ 99 9 $ 1,254

OTHER REAL ESTATE OWNED (Tables

OTHER REAL ESTATE OWNED (Tables)	9 Months Ended
	Sep. 30, 2016
Other Real Estate [Abstract]
Schedule of other real estate owned activity	Three Months Ended September 30, Nine Months Ended September 30, (Dollars in Thousands) 2016 2015 2016 2015 Beginning Balance $ 14,622 $ 30,167 $ 19,290 $ 35,680 Additions 890 1,242 3,309 4,072 Valuation Write-downs (397) (269) (1,910) (1,575) Sales (2,377) (5,921) (7,951) (12,684) Other - - - (274) Ending Balance $ 12,738 $ 25,219 $ 12,738 $ 25,219
Schedule of net expenses	Net expenses applicable to other real estate owned include the following: Three Months Ended September 30, Nine Months Ended September 30, (Dollars in Thousands) 2016 2015 2016 2015 Gains from the Sale of Properties $ (70) $ (31) $ (364) $ (686) Losses from the Sale of Properties 216 591 977 1,249 Rental Income from Properties (34) (13) (66) (244) Property Carrying Costs 312 486 849 1,836 Valuation Adjustments 397 269 1,910 1,575 Total $ 821 $ 1,302 $ 3,306 $ 3,730

EMPLOYEE BENEFIT PLANS (Tables)

EMPLOYEE BENEFIT PLANS (Tables)	9 Months Ended
	Sep. 30, 2016
Compensation and Retirement Disclosure [Abstract]
Schedule of expected benefit payments related to the defined benefit pension plan	Three Months Ended September 30, Nine Months Ended September 30, (Dollars in Thousands) 2016 2015 2016 2015 Service Cost $ 1,613 $ 1,715 $ 4,839 $ 5,145 Interest Cost 1,397 1,438 4,191 4,313 Expected Return on Plan Assets (1,934) (1,955) (5,802) (5,865) Prior Service Cost Amortization 69 77 207 232 Net Loss Amortization 801 891 2,403 2,673 Net Periodic Benefit Cost $ 1,946 $ 2,166 $ 5,838 $ 6,498 Discount Rate 4.52% 4.15% 4.52% 4.15% Long-term Rate of Return on Assets 7.50% 7.50% 7.50% 7.50%
Schedule of expected benefit payments related to the SERP	The components of the net periodic benefit cost for the Company's SERP were as follows: Three Months Ended September 30, Nine Months Ended September 30, (Dollars in Thousands) 2016 2015 2016 2015 Interest Cost $ 40 $ 34 $ 120 $ 101 Prior Service Cost Amortization - 2 - 5 Net Loss Amortization 190 44 570 134 Net Periodic Benefit Cost $ 230 $ 80 $ 690 $ 240 Discount Rate 4.13% 4.15% 4.13% 4.15%

COMMITMENTS AND CONTINGENCIES (

COMMITMENTS AND CONTINGENCIES (Tables)	9 Months Ended
	Sep. 30, 2016
Commitments and Contingencies Disclosure [Abstract]
Schedule of amounts associated with the entities off-balance sheet obligations	September 30, 2016 December 31, 2015 (Dollars in Thousands) Fixed Variable Total Fixed Variable Total Commitments to Extend Credit (1) $ 62,889 $ 342,179 $ 405,068 $ 57,571 $ 306,642 $ 364,213 Standby Letters of Credit 5,529 - 5,529 6,095 - 6,095 Total $ 68,418 $ 342,179 $ 410,597 $ 63,666 $ 306,642 $ 370,308

FAIR VALUE MEASUREMENTS (Tables

FAIR VALUE MEASUREMENTS (Tables)	9 Months Ended
	Sep. 30, 2016
Fair Value Disclosures [Abstract]
Schedule of financial assets and financial liabilities measured at fair value on a recurring basis	Level 1 Level 2 Level 3 Total Fair (Dollars in Thousands) Inputs Inputs Inputs Value September 30, 2016 Securities Available for Sale: U.S. Government Treasury $ 273,685 $ - $ - $ 273,685 U.S. Government Agency - 129,516 - 129,516 States and Political Subdivisions - 86,634 - 86,634 Mortgage-Backed Securities - 1,482 - 1,482 Equity Securities - 8,822 - 8,822 December 31, 2015 Securities Available for Sale: U.S. Government Treasury $ 250,346 $ - $ - $ 250,346 U.S. Government Agency - 101,824 - 101,824 States and Political Subdivisions - 88,362 - 88,362 Mortgage-Backed Securities - 1,901 - 1,901 Equity Securities - 8,595 - 8,595
Schedule of financial instruments with estimated fair values	September 30, 2016 Carrying Level 1 Level 2 Level 3 (Dollars in Thousands) Value Inputs Inputs Inputs ASSETS: Cash $ 79,608 $ 79,608 $ - $ - Short-Term Investments 144,576 144,576 - - Investment Securities, Available for Sale 500,139 273,685 226,454 - Investment Securities, Held to Maturity 189,928 129,853 60,976 - Loans Held for Sale 10,510 - 10,510 - Loans, Net of Allowance for Loan Losses 1,543,768 - - 1,547,466 LIABILITIES: Deposits $ 2,315,107 $ - $ 2,311,870 $ - Short-Term Borrowings 12,113 - 12,142 - Subordinated Notes Payable 52,887 - 42,622 - Long-Term Borrowings 21,368 - 21,974 - December 31, 2015 Carrying Level 1 Level 2 Level 3 (Dollars in Thousands) Value Inputs Inputs Inputs ASSETS: Cash $ 51,288 $ 51,288 $ - $ - Short-Term Investments 327,617 327,617 - - Investment Securities, Available for Sale 451,028 250,346 200,682 - Investment Securities, Held to Maturity 187,892 134,439 52,968 - Loans Held for Sale 11,632 - 11,632 - Loans, Net of Allowance for Loan Losses 1,478,322 - - 1,483,926 LIABILITIES: Deposits $ 2,302,849 $ - $ 2,228,210 $ - Short-Term Borrowings 61,058 - 64,947 - Subordinated Notes Payable 62,887 - 49,230 - Long-Term Borrowings 28,265 - 30,448 -

OTHER COMPREHENSIVE INCOME (LOS

OTHER COMPREHENSIVE INCOME (LOSS) (Tables)	9 Months Ended
	Sep. 30, 2016
Equity [Abstract]
Schedule of other comprehensive income loss	Before Tax Net of Tax (Expense) Tax (Dollars in Thousands) Amount Benefit Amount Three Months Ended September 30, 2016 Investment Securities: Change in net unrealized gain/loss on securities available for sale $ (1,158) $ 447 $ (711) Amortization of losses on securities transferred from available for sale to held to maturity 21 (8) 13 Total Other Comprehensive Loss $ (1,137) $ 439 $ (698) Nine Months Ended September 30, 2016 Investment Securities: Change in net unrealized gain/loss on securities available for sale $ 1,535 $ (592) $ 943 Amortization of losses on securities transferred from available for sale to held to maturity 60 (23) 37 Total Other Comprehensive Income $ 1,595 $ (615) $ 980 Before Tax Net of Tax (Expense) Tax (Dollars in Thousands) Amount Benefit Amount Three Months Ended September 30, 2015 Investment Securities: Change in net unrealized gain/loss on securities available for sale $ 533 $ (206) $ 327 Amortization of losses on securities transferred from available for sale to held to maturity 21 (8) 13 Total Other Comprehensive Income $ 554 $ (214) $ 340 Nine Months Ended September 30, 2015 Investment Securities: Change in net unrealized gain/loss on securities available for sale $ 1,562 $ (602) $ 960 Amortization of losses on securities transferred from available for sale to held to maturity 56 (22) 34 Total Other Comprehensive Income $ 1,618 $ (624) $ 994
Schedule of activity in accumulated other comprehensive loss, net of tax	Accumulated other comprehensive loss was comprised of the following components: Accumulated Securities Other Available Retirement Comprehensive (Dollars in Thousands) for Sale Plans Loss Balance as of January 1, 2016 $ (127) $ (22,130) $ (22,257) Other comprehensive income during the period 980 - 980 Balance as of September 30, 2016 $ 853 $ (22,130) $ (21,277) Balance as of January 1, 2015 $ 59 $ (21,568) $ (21,509) Other comprehensive income during the period 994 - 994 Balance as of September 30, 2015 $ 1,053 $ (21,568) $ (20,515)

INVESTMENT SECURITIES (Details)

INVESTMENT SECURITIES (Details) - USD ($)		Sep. 30, 2016	Dec. 31, 2015
Available-for-sale
Amortized Cost		$ 498,458,000	$ 450,883,000
Unrealized Gains		1,929,000	720,000
Unrealized Losses		248,000	575,000
Market Value		500,139,000	451,028,000
Held to Maturity
Amortized Cost		189,928,000	187,892,000
Unrealized Gains		966,000	94,000
Unrealized Losses		65,000	579,000
Market Value		190,829,000	187,407,000
Total
Amortized Cost		688,386,000	638,775,000
Unrealized Gain		2,895,000	814,000
Unrealized Loss		313,000	1,154,000
Fair Value		690,968,000	638,435,000
U.S. Government Treasury [Member]
Available-for-sale
Amortized Cost		272,656,000	250,458,000
Unrealized Gains		1,029,000	101,000
Unrealized Losses		0	213,000
Market Value		273,685,000	250,346,000
U.S. Government Agency [Member]
Available-for-sale
Amortized Cost		129,150,000	101,730,000
Unrealized Gains		569,000	357,000
Unrealized Losses		203,000	263,000
Market Value		129,516,000	101,824,000
States and Political Subdivisions [Member]
Available-for-sale
Amortized Cost		86,490,000	88,358,000
Unrealized Gains		189,000	103,000
Unrealized Losses		45,000	99,000
Market Value		86,634,000	88,362,000
Mortgage-Backed Securities [Member]
Available-for-sale
Amortized Cost		1,340,000	1,742,000
Unrealized Gains		142,000	159,000
Unrealized Losses		0	0
Market Value		1,482,000	1,901,000
Equity Securities [Member]
Available-for-sale
Amortized Cost	[1]	8,822,000	8,595,000
Unrealized Gains		0	0
Unrealized Losses		0	0
Market Value	[1]	8,822,000	8,595,000
Federal Home Loan Bank		3,500,000	3,600,000
Federal Reserve Bank stock		4,800,000	4,800,000
FNBB, Inc. stock		500,000	200,000
U.S. Government Treasury [Member]
Held to Maturity
Amortized Cost		129,323,000	134,554,000
Unrealized Gains		530,000	45,000
Unrealized Losses		0	160,000
Market Value		129,853,000	134,439,000
U.S. Government Agency [Member]
Held to Maturity
Amortized Cost		1,904,000	10,043,000
Unrealized Gains		1,000	7,000
Unrealized Losses		0	5,000
Market Value		1,905,000	10,045,000
States and Political Subdivisions [Member]
Held to Maturity
Amortized Cost		9,983,000	15,693,000
Unrealized Gains		69,000	38,000
Unrealized Losses		1,000	7,000
Market Value		10,051,000	15,724,000
Mortgage-Backed Securities [Member]
Held to Maturity
Amortized Cost		48,718,000	27,602,000
Unrealized Gains		366,000	4,000
Unrealized Losses		64,000	407,000
Market Value		$ 49,020,000	$ 27,199,000
[1]	Includes Federal Home Loan Bank, Federal Reserve Bank, and FNBB, Inc . stock recorded at cost of $3. 5 million, $4.8 million, and $0. 5 million, respectively, at September 30, 2016 and $3 .6 million, $4.8 million, and $0. 2 million, respectively, at December 31, 2015 .

INVESTMENT SECURITIES (Maturity

INVESTMENT SECURITIES (Maturity Distribution) (Details) - USD ($)	Sep. 30, 2016	Dec. 31, 2015
Amortized Cost
Due in one year or less	$ 146,612,000
Due after one through five years	252,653,000
Total Investment Securities	498,458,000
Market Value
Due in one year or less	146,872,000
Due after one through five years	253,644,000
Total Investment Securities	500,139,000
Amortized Cost
Due in one year or less	60,424,000
Due after one through five years	80,786,000
Total Investment Securities	189,928,000	$ 187,892,000
Market Value
Due in one year or less	60,503,000
Due after one through five years	81,305,000
Total Investment Securities	190,829,000	187,407,000
Mortgage-Backed Securities [Member]
Amortized Cost
Due without single maturity date	1,340,000
Market Value
Due without single maturity date	1,482,000
U.S. Government Agency [Member]
Amortized Cost
Due without single maturity date	89,031,000
Market Value
Due without single maturity date	89,319,000
Equity Securities [Member]
Amortized Cost
Due without single maturity date	8,822,000
Market Value
Due without single maturity date	8,822,000
Mortgage-Backed Securities [Member]
Amortized Cost
Due without single maturity date	48,718,000
Total Investment Securities	48,718,000	27,602,000
Market Value
Due without single maturity date	49,021,000
Total Investment Securities	49,020,000	27,199,000
U.S. Government Agency [Member]
Amortized Cost
Due without single maturity date	0
Total Investment Securities	1,904,000	10,043,000
Market Value
Due without single maturity date	0
Total Investment Securities	$ 1,905,000	$ 10,045,000

INVESTMENT SECURITIES (Unrealiz

INVESTMENT SECURITIES (Unrealized Losses on Investment Securities) (Details) - USD ($)	Sep. 30, 2016	Dec. 31, 2015
Available-for-sale securities
Less Than 12 Months, Fair Value	$ 65,624,000	$ 233,177,000
Less Than 12 Months, Unrealized Losses	197,000	499,000
12 Months Or Longer, Fair Value	10,421,000	14,710,000
12 Months Or Longer, Unrealized Losses	51,000	76,000
Total Fair Value	76,045,000	247,887,000
Total Unrealized Losses	248,000	575,000
Held-to-maturity debt securities
Less Than 12 Months, Fair Value	3,347,000	114,403,000
Less Than 12 Months, Unrealized Losses	6,000	357,000
12 Months Or Longer, Fair Value	7,120,000	11,889,000
12 Months Or Longer, Unrealized Losses	59,000	222,000
Total Fair Value	10,467,000	126,292,000
Total Unrealized Losses	65,000	579,000
U.S. Government Treasury [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	0	150,061,000
Less Than 12 Months, Unrealized Losses	0	213,000
12 Months Or Longer, Fair Value	0	0
12 Months Or Longer, Unrealized Losses	0	0
Total Fair Value	0	150,061,000
Total Unrealized Losses	0	213,000
U.S. Government Agency [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	36,793,000	43,508,000
Less Than 12 Months, Unrealized Losses	153,000	200,000
12 Months Or Longer, Fair Value	10,123,000	9,644,000
12 Months Or Longer, Unrealized Losses	50,000	63,000
Total Fair Value	46,916,000	53,152,000
Total Unrealized Losses	203,000	263,000
States and Political Subdivisions [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	28,831,000	39,608,000
Less Than 12 Months, Unrealized Losses	44,000	86,000
12 Months Or Longer, Fair Value	298,000	5,066,000
12 Months Or Longer, Unrealized Losses	1,000	13,000
Total Fair Value	29,129,000	44,674,000
Total Unrealized Losses	45,000	99,000
Mortgage-Backed Securities [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	0	0
Less Than 12 Months, Unrealized Losses	0	0
12 Months Or Longer, Fair Value	0	0
12 Months Or Longer, Unrealized Losses	0	0
Total Fair Value	0	0
Total Unrealized Losses	0	0
U.S. Government Treasury [Member]
Held-to-maturity debt securities
Less Than 12 Months, Fair Value	0	92,339,000
Less Than 12 Months, Unrealized Losses	0	160,000
12 Months Or Longer, Fair Value	0	0
12 Months Or Longer, Unrealized Losses	0	0
Total Fair Value	0	92,339,000
Total Unrealized Losses	0	160,000
U.S. Government Agency [Member]
Held-to-maturity debt securities
Less Than 12 Months, Fair Value		5,006,000
Less Than 12 Months, Unrealized Losses	0	5,000
12 Months Or Longer, Fair Value	0	0
12 Months Or Longer, Unrealized Losses	0	0
Total Fair Value	0	5,006,000
Total Unrealized Losses	0	5,000
States and Political Subdivisions [Member]
Held-to-maturity debt securities
Less Than 12 Months, Fair Value	1,252,000	3,791,000
Less Than 12 Months, Unrealized Losses	1,000	7,000
12 Months Or Longer, Fair Value	0	0
12 Months Or Longer, Unrealized Losses	0	0
Total Fair Value	1,252,000	3,791,000
Total Unrealized Losses	1,000	7,000
Mortgage-Backed Securities [Member]
Held-to-maturity debt securities
Less Than 12 Months, Fair Value	2,095,000	13,267,000
Less Than 12 Months, Unrealized Losses	5,000	185,000
12 Months Or Longer, Fair Value	7,120,000	11,889,000
12 Months Or Longer, Unrealized Losses	59,000	222,000
Total Fair Value	9,215,000	22,156,000
Total Unrealized Losses	$ 64,000	$ 407,000

INVESTMENT SECURITIES (Narrativ

INVESTMENT SECURITIES (Narrative) (Details) $ in Thousands	Sep. 30, 2016USD ($)Investment_Positions	Dec. 31, 2015USD ($)
Investments, Debt and Equity Securities [Abstract]
Securities pledged to secure public deposits | $	$ 222,900	$ 370,100
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities and Held-to-maturity investments in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions, Total	165
Available-for-sale Securities and Held-To-Maturity, Continuous Unrealized Loss Position, Accumulated Loss | $	$ 300
Municipal Bonds [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities and Held-to-maturity investments in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions, Total	90
Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities and Held-to-maturity investments in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions, Total	69
Government National Mortgage Association Certificates and Obligations (GNMA) [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities and Held-to-maturity investments in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions, Greater than or Equal to One Year	20
U.S. Government Agency [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities and Held-to-maturity investments in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions, Greater than or Equal to One Year	24

LOANS, NET (Portfolio Compositi

LOANS, NET (Portfolio Composition) (Details) - USD ($) $ in Thousands		Sep. 30, 2016	Dec. 31, 2015
Loan Portfolio Composition
Loans and Leases Receivable, Net of Deferred Income		$ 1,557,512	$ 1,492,275
Net deferred fees		(400)	500
Commercial, Financial and Agricultural [Member]
Loan Portfolio Composition
Loans and Leases Receivable, Net of Deferred Income		223,278	179,816
Real Estate - Construction [Member]
Loan Portfolio Composition
Loans and Leases Receivable, Net of Deferred Income		54,107	46,484
Real Estate - Commercial Mortgage [Member]
Loan Portfolio Composition
Loans and Leases Receivable, Net of Deferred Income		497,775	499,813
Real Estate - Residential [Member]
Loan Portfolio Composition
Loans and Leases Receivable, Net of Deferred Income	[1]	287,068	290,585
Loans in Process with outstanding balances		11,800	8,500
Real Estate - Home Equity [Member]
Loan Portfolio Composition
Loans and Leases Receivable, Net of Deferred Income		235,433	233,901
Consumer [Member]
Loan Portfolio Composition
Loans and Leases Receivable, Net of Deferred Income		$ 259,851	$ 241,676
[1]	Includes loans in process with outstanding balances of $1 1 . 8 million and $ 8.5 million at September 30, 2016 and December 31, 2015 , respectively.

LOANS, NET (Recorded Investment

LOANS, NET (Recorded Investment In Nonaccrual and Past Due Loans(Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans
Nonaccrual	$ 8,614	$ 10,305
Total Past Due	5,667	5,775
90 +DPD [Member]
Recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans
Total Past Due	0	0
Commercial, Financial and Agricultural [Member]
Recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans
Nonaccrual	362	96
Total Past Due	366	171
Commercial, Financial and Agricultural [Member] | 90 +DPD [Member]
Recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans
Total Past Due	0	0
Real Estate - Construction [Member]
Recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans
Nonaccrual	121	97
Total Past Due	0	690
Real Estate - Construction [Member] | 90 +DPD [Member]
Recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans
Total Past Due	0	0
Real Estate - Commercial Mortgage [Member]
Recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans
Nonaccrual	4,736	4,191
Total Past Due	1,729	1,983
Real Estate - Commercial Mortgage [Member] | 90 +DPD [Member]
Recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans
Total Past Due	0	0
Real Estate - Residential [Member]
Recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans
Nonaccrual	2,254	4,739
Total Past Due	920	914
Real Estate - Residential [Member] | 90 +DPD [Member]
Recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans
Total Past Due	0	0
Real Estate - Home Equity [Member]
Recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans
Nonaccrual	958	1,017
Total Past Due	1,143	884
Real Estate - Home Equity [Member] | 90 +DPD [Member]
Recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans
Total Past Due	0	0
Consumer [Member]
Recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans
Nonaccrual	183	165
Total Past Due	1,509	1,133
Consumer [Member] | 90 +DPD [Member]
Recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans
Total Past Due	$ 0	$ 0

LOANS, NET (Loan Portfolio Agin

LOANS, NET (Loan Portfolio Aging) (Details) - USD ($) $ in Thousands		Sep. 30, 2016	Dec. 31, 2015
Aging of the recorded investment in past due loans by class of loans
Total Past Due		$ 5,667	$ 5,775
Total Current		1,543,231	1,476,195
Total Loans		1,557,512	1,492,275
30-59 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		3,789	3,686
60-89 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		1,878	2,089
90 +DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		0	0
Commercial, Financial and Agricultural [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		366	171
Total Current		222,550	179,549
Total Loans		223,278	179,816
Commercial, Financial and Agricultural [Member] | 30-59 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		59	153
Commercial, Financial and Agricultural [Member] | 60-89 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		307	18
Commercial, Financial and Agricultural [Member] | 90 +DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		0	0
Real Estate - Construction [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		0	690
Total Current		53,986	45,697
Total Loans		54,107	46,484
Real Estate - Construction [Member] | 30-59 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		0	690
Real Estate - Construction [Member] | 60-89 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		0	0
Real Estate - Construction [Member] | 90 +DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		0	0
Real Estate - Commercial Mortgage [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		1,729	1,983
Total Current		491,310	493,639
Total Loans		497,775	499,813
Real Estate - Commercial Mortgage [Member] | 30-59 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		1,581	754
Real Estate - Commercial Mortgage [Member] | 60-89 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		148	1,229
Real Estate - Commercial Mortgage [Member] | 90 +DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		0	0
Real Estate - Residential [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		920	914
Total Current		283,894	284,932
Total Loans	[1]	287,068	290,585
Real Estate - Residential [Member] | 30-59 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		472	567
Real Estate - Residential [Member] | 60-89 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		448	347
Real Estate - Residential [Member] | 90 +DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		0	0
Real Estate - Home Equity [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		1,143	884
Total Current		233,332	232,000
Total Loans		235,433	233,901
Real Estate - Home Equity [Member] | 30-59 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		446	787
Real Estate - Home Equity [Member] | 60-89 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		697	97
Real Estate - Home Equity [Member] | 90 +DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		0	0
Consumer [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		1,509	1,133
Total Current		258,159	240,378
Total Loans		259,851	241,676
Consumer [Member] | 30-59 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		1,231	735
Consumer [Member] | 60-89 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		278	398
Consumer [Member] | 90 +DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		$ 0	$ 0
[1]	Includes loans in process with outstanding balances of $1 1 . 8 million and $ 8.5 million at September 30, 2016 and December 31, 2015 , respectively.

LOANS, NET (Allowance for Loan

LOANS, NET (Allowance for Loan Losses) (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Activity in the allowance for loan losses by portfolio class
Beginning Balance	$ 13,677,000	$ 15,236,000	$ 13,953,000	$ 17,539,000
Provision for Loan Losses	0	413,000	355,000	1,081,000
Charge-Offs	(774,000)	(1,503,000)	(3,310,000)	(5,573,000)
Recoveries	841,000	591,000	2,746,000	1,690,000
Net Charge-Offs	67,000	(912,000)	(564,000)	(3,883,000)
Ending Balance	13,744,000	14,737,000	13,744,000	14,737,000
Commercial, Financial and Agricultural [Member]
Activity in the allowance for loan losses by portfolio class
Beginning Balance	1,048,000	917,000	905,000	784,000
Provision for Loan Losses	163,000	183,000	559,000	708,000
Charge-Offs	(143,000)	(365,000)	(484,000)	(894,000)
Recoveries	199,000	45,000	287,000	182,000
Net Charge-Offs	56,000	(320,000)	(197,000)	(712,000)
Ending Balance	1,267,000	780,000	1,267,000	780,000
Real Estate - Construction [Member]
Activity in the allowance for loan losses by portfolio class
Beginning Balance	126,000	360,000	101,000	843,000
Provision for Loan Losses	(3,000)	(64,000)	22,000	(547,000)
Charge-Offs	0	0	0	0
Recoveries	0	0	0	0
Net Charge-Offs	0	0	0	0
Ending Balance	123,000	296,000	123,000	296,000
Real Estate - Commercial Mortgage [Member]
Activity in the allowance for loan losses by portfolio class
Beginning Balance	4,389,000	4,275,000	4,498,000	5,287,000
Provision for Loan Losses	224,000	333,000	71,000	426,000
Charge-Offs	(5,000)	26,000	(279,000)	(1,163,000)
Recoveries	45,000	86,000	363,000	170,000
Net Charge-Offs	40,000	112,000	84,000	(993,000)
Ending Balance	4,653,000	4,720,000	4,653,000	4,720,000
Real Estate - Residential [Member]
Activity in the allowance for loan losses by portfolio class
Beginning Balance	3,835,000	5,654,000	4,409,000	6,520,000
Provision for Loan Losses	(324,000)	(545,000)	(1,030,000)	(870,000)
Charge-Offs	(96,000)	(476,000)	(779,000)	(1,265,000)
Recoveries	139,000	193,000	954,000	441,000
Net Charge-Offs	43,000	(283,000)	175,000	(824,000)
Ending Balance	3,554,000	4,826,000	3,554,000	4,826,000
Real Estate - Home Equity [Member]
Activity in the allowance for loan losses by portfolio class
Beginning Balance	2,391,000	2,536,000	2,473,000	2,882,000
Provision for Loan Losses	(307,000)	273,000	(168,000)	506,000
Charge-Offs	(51,000)	(370,000)	(412,000)	(1,006,000)
Recoveries	237,000	42,000	377,000	99,000
Net Charge-Offs	186,000	(328,000)	(35,000)	(907,000)
Ending Balance	2,270,000	2,481,000	2,270,000	2,481,000
Consumer [Member]
Activity in the allowance for loan losses by portfolio class
Beginning Balance	1,888,000	1,494,000	1,567,000	1,223,000
Provision for Loan Losses	247,000	233,000	901,000	858,000
Charge-Offs	(479,000)	(318,000)	(1,356,000)	(1,245,000)
Recoveries	221,000	225,000	765,000	798,000
Net Charge-Offs	(258,000)	(93,000)	(591,000)	(447,000)
Ending Balance	$ 1,877,000	$ 1,634,000	$ 1,877,000	$ 1,634,000

LOANS, NET (Allowance for Loa34

LOANS, NET (Allowance for Loan Losses by Impairment Methodology) (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015	Sep. 30, 2015
Period-end amount allocated to:
Loans Individually Evaluated for Impairment	$ 4,208	$ 4,646	$ 4,455
Loans Collectively Evaluated for Impairment	9,536	9,307	10,282
Ending Balance	13,744	13,953	14,737
Commercial, Financial and Agricultural [Member]
Period-end amount allocated to:
Loans Individually Evaluated for Impairment	132	77	81
Loans Collectively Evaluated for Impairment	1,135	828	699
Ending Balance	1,267	905	780
Real Estate - Construction [Member]
Period-end amount allocated to:
Loans Individually Evaluated for Impairment	0	0	0
Loans Collectively Evaluated for Impairment	123	101	296
Ending Balance	123	101	296
Real Estate - Commercial Mortgage [Member]
Period-end amount allocated to:
Loans Individually Evaluated for Impairment	2,124	2,049	2,001
Loans Collectively Evaluated for Impairment	2,529	2,449	2,719
Ending Balance	4,653	4,498	4,720
Real Estate - Residential [Member]
Period-end amount allocated to:
Loans Individually Evaluated for Impairment	1,669	2,118	2,004
Loans Collectively Evaluated for Impairment	1,885	2,291	2,822
Ending Balance	3,554	4,409	4,826
Real Estate - Home Equity [Member]
Period-end amount allocated to:
Loans Individually Evaluated for Impairment	276	384	365
Loans Collectively Evaluated for Impairment	1,994	2,089	2,116
Ending Balance	2,270	2,473	2,481
Consumer [Member]
Period-end amount allocated to:
Loans Individually Evaluated for Impairment	7	18	4
Loans Collectively Evaluated for Impairment	1,870	1,549	1,630
Ending Balance	$ 1,877	$ 1,567	$ 1,634

LOANS, NET (Loan Balances by Im

LOANS, NET (Loan Balances by Impairment Methodology) (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015	Sep. 30, 2015
Recorded investment in loans related to each balance in the allowance for loan losses
Individually Evaluated for Impairment	$ 41,162	$ 43,752	$ 46,393
Financing Receivable, Collectively Evaluated for Impairment	1,516,350	1,448,523	1,428,790
Total	1,557,512	1,492,275	1,475,183
Commercial, Financial and Agricultural [Member]
Recorded investment in loans related to each balance in the allowance for loan losses
Individually Evaluated for Impairment	949	834	813
Financing Receivable, Collectively Evaluated for Impairment	222,329	178,982	168,775
Total	223,278	179,816	169,588
Real Estate - Construction [Member]
Recorded investment in loans related to each balance in the allowance for loan losses
Individually Evaluated for Impairment	0	97	468
Financing Receivable, Collectively Evaluated for Impairment	54,107	46,387	49,007
Total	54,107	46,484	49,475
Real Estate - Commercial Mortgage [Member]
Recorded investment in loans related to each balance in the allowance for loan losses
Individually Evaluated for Impairment	20,794	20,847	24,170
Financing Receivable, Collectively Evaluated for Impairment	476,981	478,966	467,564
Total	497,775	499,813	491,734
Real Estate - Residential [Member]
Recorded investment in loans related to each balance in the allowance for loan losses
Individually Evaluated for Impairment	16,457	18,569	18,079
Financing Receivable, Collectively Evaluated for Impairment	270,611	272,016	272,705
Total	287,068	290,585	290,784
Real Estate - Home Equity [Member]
Recorded investment in loans related to each balance in the allowance for loan losses
Individually Evaluated for Impairment	2,776	3,144	2,702
Financing Receivable, Collectively Evaluated for Impairment	232,657	230,757	229,552
Total	235,433	233,901	232,254
Consumer [Member]
Recorded investment in loans related to each balance in the allowance for loan losses
Individually Evaluated for Impairment	186	261	161
Financing Receivable, Collectively Evaluated for Impairment	259,665	241,415	241,187
Total	$ 259,851	$ 241,676	$ 241,348

LOANS, NET (Impaired Loans) (De

LOANS, NET (Impaired Loans) (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Impaired Financing Receivable Recorded Investment [Abstract]
Unpaid Principal Balance	$ 41,162	$ 43,752
Recorded Investment With No Allowance	7,900	7,762
Recorded Investment With Allowance	33,262	35,990
Related Allowance	4,208	4,646
Commercial, Financial and Agricultural [Member]
Impaired Financing Receivable Recorded Investment [Abstract]
Unpaid Principal Balance	949	834
Recorded Investment With No Allowance	217	279
Recorded Investment With Allowance	732	555
Related Allowance	132	77
Real Estate - Construction [Member]
Impaired Financing Receivable Recorded Investment [Abstract]
Unpaid Principal Balance	0	97
Recorded Investment With No Allowance	0	97
Recorded Investment With Allowance	0	0
Related Allowance	0	0
Real Estate - Commercial Mortgage [Member]
Impaired Financing Receivable Recorded Investment [Abstract]
Unpaid Principal Balance	20,794	20,847
Recorded Investment With No Allowance	4,452	3,265
Recorded Investment With Allowance	16,342	17,582
Related Allowance	2,124	2,049
Real Estate - Residential [Member]
Impaired Financing Receivable Recorded Investment [Abstract]
Unpaid Principal Balance	16,457	18,569
Recorded Investment With No Allowance	1,863	2,941
Recorded Investment With Allowance	14,594	15,628
Related Allowance	1,669	2,118
Real Estate - Home Equity [Member]
Impaired Financing Receivable Recorded Investment [Abstract]
Unpaid Principal Balance	2,776	3,144
Recorded Investment With No Allowance	1,314	1,101
Recorded Investment With Allowance	1,462	2,043
Related Allowance	276	384
Consumer [Member]
Impaired Financing Receivable Recorded Investment [Abstract]
Unpaid Principal Balance	186	261
Recorded Investment With No Allowance	54	79
Recorded Investment With Allowance	132	182
Related Allowance	$ 7	$ 18

LOANS, NET (Impaired Loans Aver

LOANS, NET (Impaired Loans Average Investment and Interest Income) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
ImpairedFinancingReceivableAverageRecordedInvestmentAbstract
Average Recorded Investment	$ 41,674	$ 49,786	$ 42,587	$ 53,172
Total Interest Income	443	499	1,388	1,551
Commercial, Financial and Agricultural [Member]
ImpairedFinancingReceivableAverageRecordedInvestmentAbstract
Average Recorded Investment	871	942	847	1,044
Total Interest Income	12	12	37	34
Real Estate - Construction [Member]
ImpairedFinancingReceivableAverageRecordedInvestmentAbstract
Average Recorded Investment	0	389	24	395
Total Interest Income	0	0	0	0
Real Estate - Commercial Mortgage [Member]
ImpairedFinancingReceivableAverageRecordedInvestmentAbstract
Average Recorded Investment	20,692	26,959	20,757	29,343
Total Interest Income	203	250	658	821
Real Estate - Residential [Member]
ImpairedFinancingReceivableAverageRecordedInvestmentAbstract
Average Recorded Investment	17,091	18,499	17,743	19,239
Total Interest Income	197	215	602	626
Real Estate - Home Equity [Member]
ImpairedFinancingReceivableAverageRecordedInvestmentAbstract
Average Recorded Investment	2,824	2,831	3,001	2,965
Total Interest Income	29	20	84	64
Consumer [Member]
ImpairedFinancingReceivableAverageRecordedInvestmentAbstract
Average Recorded Investment	196	166	215	186
Total Interest Income	$ 2	$ 2	$ 7	$ 6

LOANS, NET (Risk Category by Lo

LOANS, NET (Risk Category by Loan Segment) (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	$ 1,557,512	$ 1,492,275
Commercial, Financial and Agricultural [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	223,278	179,816
Real Estate [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	65,973	79,263
Consumer [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	259,851	241,676
Criticized [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	72,502	87,396
Criticized [Member] | Commercial, Financial and Agricultural [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	5,792	7,245
Criticized [Member] | Real Estate [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	65,973	79,263
Criticized [Member] | Consumer [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	737	888
Special Mention [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	29,274	33,845
Special Mention [Member] | Commercial, Financial and Agricultural [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	4,185	5,938
Special Mention [Member] | Real Estate [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	24,893	27,838
Special Mention [Member] | Consumer [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	196	69
Substandard [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	43,228	53,551
Substandard [Member] | Commercial, Financial and Agricultural [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	1,607	1,307
Substandard [Member] | Real Estate [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	41,080	51,425
Substandard [Member] | Consumer [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	541	819
Doubtful [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	0	0
Doubtful [Member] | Commercial, Financial and Agricultural [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	0	0
Doubtful [Member] | Real Estate [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	0	0
Doubtful [Member] | Consumer [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	$ 0	$ 0

LOANS, NET (Troubled Debt Restr

LOANS, NET (Troubled Debt Restructurings) (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Financing Receivable, Modifications [Line Items]
Accruing	$ 35,046	$ 35,634
Nonaccruing	1,802	2,687
Commercial, Financial and Agricultural [Member]
Financing Receivable, Modifications [Line Items]
Accruing	792	897
Nonaccruing	42	0
Real Estate - Construction [Member]
Financing Receivable, Modifications [Line Items]
Accruing	0	0
Nonaccruing	0	0
Real Estate - Commercial Mortgage [Member]
Financing Receivable, Modifications [Line Items]
Accruing	16,259	16,621
Nonaccruing	1,253	1,070
Real Estate - Residential [Member]
Financing Receivable, Modifications [Line Items]
Accruing	15,140	14,979
Nonaccruing	507	1,582
Real Estate - Home Equity [Member]
Financing Receivable, Modifications [Line Items]
Accruing	2,672	2,914
Nonaccruing	0	0
Consumer [Member]
Financing Receivable, Modifications [Line Items]
Accruing	183	223
Nonaccruing	$ 0	$ 35

LOANS, NET (Modified Troubled D

LOANS, NET (Modified Troubled Debt Restructurings) (Details) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2016USD ($)Contracts	Sep. 30, 2015USD ($)Contracts	Sep. 30, 2016USD ($)Contracts	Sep. 30, 2015USD ($)Contracts
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts		1	2	12	9
Pre-Modified Recorded Investment		$ 17	$ 99	$ 1,126	$ 1,282
Post-Modified Recorded Investment	[1]	$ 17	$ 99	1,128	$ 1,254
Commercial, Financial and Agricultural [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts		0	0		0
Pre-Modified Recorded Investment		$ 0	$ 0	0	$ 0
Post-Modified Recorded Investment		$ 0	$ 0	0	0
Real Estate - Construction [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts		0	0
Pre-Modified Recorded Investment		$ 0	$ 0	0	0
Post-Modified Recorded Investment		$ 0	$ 0	$ 0	$ 0
Real Estate - Commercial Mortgage [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts		0	0	1	2
Pre-Modified Recorded Investment		$ 0	$ 0	$ 332	$ 515
Post-Modified Recorded Investment		$ 0	$ 0	$ 332	$ 515
Real Estate - Residential [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts		0	1	6	6
Pre-Modified Recorded Investment		$ 0	$ 49	$ 589	$ 717
Post-Modified Recorded Investment		$ 0	$ 49	$ 590	$ 690
Real Estate - Home Equity [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts		1	1	5	1
Pre-Modified Recorded Investment		$ 17	$ 50	$ 205	$ 50
Post-Modified Recorded Investment		$ 17	$ 50	206	$ 49
Consumer [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts		0	0		0
Pre-Modified Recorded Investment		$ 0	$ 0	0	$ 0
Post-Modified Recorded Investment		$ 0	$ 0	$ 0	$ 0
[1]	Recorded investment reflects charge-offs and additional funds advanced at time of restructure, if applicable.

LOANS, NET (Troubled Debt Res41

LOANS, NET (Troubled Debt Restructuring Defaults) (Details)	3 Months Ended	9 Months Ended
	Sep. 30, 2016USD ($)Contracts	Sep. 30, 2016USD ($)Contracts
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts	0	3
Post-Modified Recorded Investment | $	$ 0	$ 136,000
Commercial, Financial and Agricultural [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts	0	0
Post-Modified Recorded Investment | $	$ 0	$ 0
Real Estate - Construction [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts	0	0
Post-Modified Recorded Investment | $	$ 0	$ 0
Real Estate - Commercial Mortgage [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts	0	0
Post-Modified Recorded Investment | $	$ 0	$ 0
Real Estate - Residential [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts	0	1
Post-Modified Recorded Investment | $	$ 0	$ 98,000
Real Estate - Home Equity [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts	0	1
Post-Modified Recorded Investment | $	$ 0	$ 3,000
Consumer [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts	0	1
Post-Modified Recorded Investment | $	$ 0	$ 35,000

LOANS, NET (Method of Troubled

LOANS, NET (Method of Troubled Debt Restructuring Modifications) (Details) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2016USD ($)Contracts	Sep. 30, 2015USD ($)Contracts	Sep. 30, 2016USD ($)Contracts	Sep. 30, 2015USD ($)Contracts
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts		1	2	12	9
Post-Modified Recorded Investment | $	[1]	$ 17	$ 99	$ 1,128	$ 1,254
Extended Amortization [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts		1	1	2	2
Post-Modified Recorded Investment | $	[1]	$ 17	$ 49	$ 107	$ 167
Interest Rate Adjustment [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts		0	0	0	1
Post-Modified Recorded Investment | $	[1]	$ 0	$ 0	$ 0	$ 156
Extended Amortization And Interest Rate Adjustment [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts		0	1	10	6
Post-Modified Recorded Investment | $	[1]	$ 0	$ 50	$ 1,021	$ 931
Other [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts		0	0	0	0
Post-Modified Recorded Investment | $	[1]	$ 0	$ 0	$ 0	$ 0
[1]	Recorded investment reflects charge-offs and additional funds advanced at time of restructure, if applicable.

OTHER REAL ESTATE OWNED (Other

OTHER REAL ESTATE OWNED (Other Real Estate Owned Activity) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Other Real Estate [Roll Forward]
Beginning Balance	$ 14,622	$ 30,167	$ 19,290	$ 35,680
Additions	890	1,242	3,309	4,072
Valuation Write-Downs	(397)	(269)	(1,910)	(1,575)
Sales	(2,377)	(5,921)	(7,951)	(12,684)
Other	0	0	0	(274)
Ending Balance	$ 12,738	$ 25,219	$ 12,738	$ 25,219

OTHER REAL ESTATE OWNED (Othe44

OTHER REAL ESTATE OWNED (Other Real Estate Owned Net Expenses) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Other Real Estate [Abstract]
Gains from the Sale of Properties	$ (70)	$ (31)	$ (364)	$ (686)
Losses from the Sale of Properties	216	591	977	1,249
Rental Income from Properties	(34)	(13)	(66)	(244)
Property Carrying Costs	312	486	849	1,836
Valuation Adjustments	397	269	1,910	1,575
Total	$ 821	$ 1,302	$ 3,306	$ 3,730

EMPLOYEE BENEFIT PLANS (Details

EMPLOYEE BENEFIT PLANS (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Defined Benefit Pension Plan [Member]
Components of Net Periodic Benefit Costs:
Service Cost	$ 1,613	$ 1,715	$ 4,839	$ 5,145
Interest Cost	1,397	1,438	4,191	4,313
Expected Return on Plan Assets	(1,934)	(1,955)	(5,802)	(5,865)
Prior Service Cost Amortization	69	77	207	232
Net Gain (Loss) Amortization	801	891	2,403	2,673
Net Periodic Benefit Cost (Income)	$ 1,946	$ 2,166	$ 5,838	$ 6,498
Discount Rate (in percent)	4.52%	4.15%	4.52%	4.15%
Long-Term Rate of Return on Assets (in percent)	7.50%	7.50%	7.50%	7.50%
Supplemental Executive Retirement Plan [Member]
Components of Net Periodic Benefit Costs:
Interest Cost	$ 40	$ 34	$ 120	$ 101
Prior Service Cost Amortization	0	2	0	5
Net Gain (Loss) Amortization	190	44	570	134
Net Periodic Benefit Cost (Income)	$ 230	$ 80	$ 690	$ 240
Discount Rate (in percent)	4.13%	4.15%	4.13%	4.15%

COMMITMENTS AND CONTINGENCIES46

COMMITMENTS AND CONTINGENCIES (Details Narrative) - Visa USA [Member] - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Mar. 31, 2011	Sep. 30, 2016
Loss Contingencies [Line Items]
Pre-tax gain on Class B shares		$ 3,200
Loss Contingency Quarterly Accrual Payments until settled	$ 72
Loss Contingency Settlement Agreement Terms			Fixed charges included in the swap liability are payable quarterly until the litigation reserve is fully liquidated and at which time the aforementioned swap contract will be terminated. Quarterly fixed payments approximate $72,000. Conversion ratio payments and ongoing fixed quarterly charges are reflected in earnings in the period incurred.

COMMITMENTS AND CONTINGENCIES47

COMMITMENTS AND CONTINGENCIES (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Loss Contingencies [Line Items]
Fixed	$ 68,418	$ 63,666
Variable	342,179	306,642
Total	410,597	370,308
Commitments to Extend Credit [Member]
Loss Contingencies [Line Items]
Fixed	62,889	57,571
Variable	342,179	306,642
Total	405,068	364,213
Standby Letters of Credit [Member]
Loss Contingencies [Line Items]
Fixed	5,529	6,095
Variable	0	0
Total	$ 5,529	$ 6,095

FAIR VALUE MEASUREMENTS (Detail

FAIR VALUE MEASUREMENTS (Details) - Fair Value, Measurements, Recurring [Member] - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
U.S. Government Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure	$ 273,685	$ 250,346
U.S. Government Agency [Member]
ASSETS:
Assets, Fair Value Disclosure	129,516	101,824
States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	86,634	88,362
Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	1,482	1,901
Equity Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	8,822	8,595
Level 1 Inputs [Member] | U.S. Government Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure	273,685	250,346
Level 1 Inputs [Member] | U.S. Government Agency [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 1 Inputs [Member] | States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 1 Inputs [Member] | Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Level 1 Inputs [Member] | Equity Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 2 [Member] | U.S. Government Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 2 [Member] | U.S. Government Agency [Member]
ASSETS:
Assets, Fair Value Disclosure	129,516	101,824
Fair Value, Inputs, Level 2 [Member] | States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	86,634	88,362
Fair Value, Inputs, Level 2 [Member] | Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	1,482	1,901
Fair Value, Inputs, Level 2 [Member] | Equity Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	8,822	8,595
Fair Value, Inputs, Level 3 [Member] | U.S. Government Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 3 [Member] | U.S. Government Agency [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 3 [Member] | States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 3 [Member] | Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 3 [Member] | Equity Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	$ 0	$ 0

FAIR VALUE MEASUREMENTS (Financ

FAIR VALUE MEASUREMENTS (Financial Instruments) (Details) - USD ($)	Sep. 30, 2016	Dec. 31, 2015
ASSETS:
Investment Securities, Available for Sale	$ 500,139,000	$ 451,028,000
Investment securities, held to maturity, fair value	190,829,000	187,407,000
Level 1 Inputs [Member]
ASSETS:
Cash	79,608,000	51,288,000
Short-Term Investments	144,576,000	327,617,000
Investment Securities, Available for Sale	273,685,000	250,346,000
Investment Securities, Held to Maturity	129,853,000	134,439,000
Fair Value, Inputs, Level 2 [Member]
ASSETS:
Investment Securities, Available for Sale	226,454,000	200,682,000
Investment Securities, Held to Maturity	60,976,000	52,968,000
Loans Held for Sale	10,510,000	11,632,000
LIABILITIES:
Deposits	2,311,870,000	2,228,210,000
Short-Term Borrowings	12,142,000	64,947,000
Subordinated Notes Payable	42,622,000	49,230,000
Long-Term Borrowings	21,974,000	30,448,000
Fair Value, Inputs, Level 3 [Member]
ASSETS:
Loans, Net of Allowance for Loan Losses	1,547,466,000	1,483,926,000
Carrying (Reported) Amount, Fair Value Disclosure [Member]
ASSETS:
Cash	79,608,000	51,288,000
Short-Term Investments	144,576,000	327,617,000
Investment Securities, Available for Sale	500,139,000	451,028,000
Investment Securities, Held to Maturity	189,928,000	187,892,000
Loans Held for Sale	10,510,000	11,632,000
Loans, Net of Allowance for Loan Losses	1,543,768,000	1,478,322,000
LIABILITIES:
Deposits	2,315,107,000	2,302,849,000
Short-Term Borrowings	12,113,000	61,058,000
Subordinated Notes Payable	52,887,000	62,887,000
Long-Term Borrowings	$ 21,368,000	$ 28,265,000

OTHER COMPREHENSIVE INCOME (L50

OTHER COMPREHENSIVE INCOME (LOSS) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Investment Securities Before Tax Amount [Abstract]
Change in net unrealized gain/loss on securities available for sale before tax	$ (1,158)	$ 533	$ 1,535	$ 1,562
Amortization of unrealized losses on securities transferred from available for sale to held to maturity before tax	21	21	60	56
Other comprehensive income (loss), before tax	(1,137)	554	1,595	1,618
Investment Securities Tax Expense (Benefit) [Abstract]
Change in net unrealized gain/loss on securities available for sale tax expense (benefit)	447	(206)	(592)	(602)
Amortization of unrealized losses on securities transferred from available for sale to held to maturity tax expense (benefit)	(8)	(8)	(23)	(22)
Other comprehensive income (loss), tax expense (benefit)	439	(214)	(615)	(624)
Investment Securities Net of Tax Amount [Abstract]
Change in net unrealized gain/loss on securities available for sale Net of Tax amount	(711)	327	943	960
Amortization of unrealized losses on securities transferred from available for sale to held to maturity net of tax	13	13	37	34
Total other comprehensive income (loss) Net of Tax	$ (698)	$ 340	$ 980	$ 994

OTHER COMPREHENSIVE INCOME (L51

OTHER COMPREHENSIVE INCOME (LOSS) (Accumulated Other Comprehensive Income) (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015
Activity in accumulated other comprehensive loss, net of tax
Balance, Begining	$ (22,257)	$ (21,509)
Other comprehensive loss during the period	980	994
Balance, Ending	(21,277)	(20,515)
Securities Available for Sale [Member]
Activity in accumulated other comprehensive loss, net of tax
Balance, Begining	(127)	59
Other comprehensive loss during the period	980	994
Balance, Ending	853	1,053
Retirement Plans [Member]
Activity in accumulated other comprehensive loss, net of tax
Balance, Begining	(22,130)	(21,568)
Other comprehensive loss during the period	0	0
Balance, Ending	$ (22,130)	$ (21,568)