Capital City Bank (CCBG) 10-Q 4 May 18 2018 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2018	Apr. 30, 2018
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	Mar. 31, 2018
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		16,966,047
Document Fiscal Period Focus	Q1
Document Fiscal Year Focus	2,018
Trading Symbol	CCBG

CONSOLIDATED STATEMENTS OF FINA

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Unaudited) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017
ASSETS
Cash and Due From Banks	$ 47,804	$ 58,419
Federal Funds Sold and Interest Bearing Deposits	250,821	227,023
Total Cash and Cash Equivalents	298,625	285,442
Investment Securities, Available for Sale, at fair value	471,836	480,911
Investment Securities, Held to Maturity, at amortized cost (fair value of $222,210 and $215,007)	225,552	216,679
Total Investment Securities	697,388	697,590
Loans Held For Sale	4,845	4,817
Loans and Leases Receivable, Net of Deferred Income	1,661,895	1,653,492
Allowance for Loan Losses	(13,258)	(13,307)
Loans, Net	1,648,637	1,640,185
Premises and Equipment, Net	90,939	91,698
Goodwill	84,811	84,811
Other Real Estate Owned	3,330	3,941
Other Assets	96,257	90,310
Total Assets	2,924,832	2,898,794
Deposits:
Noninterest Bearing Deposits	890,482	874,583
Interest Bearing Deposits	1,608,402	1,595,294
Total Deposits	2,498,884	2,469,877
Short-Term Borrowings	4,893	7,480
Subordinated Notes Payable	52,887	52,887
Other Long-Term Borrowings	13,333	13,967
Other Liabilities	66,475	70,373
Total Liabilities	2,636,472	2,614,584
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; 17,044,066 and 16,988,951 shares issued and outstanding at March 31, 2018 and December 31, 2017, respectively	171	170
Additional Paid-In Capital	37,343	36,674
Retained Earnings	283,990	279,410
Accumulated Other Comprehensive Loss, Net of Tax	(33,144)	(32,044)
Total Shareowners' Equity	288,360	284,210
Total Liabilities and Shareowners' Equity	$ 2,924,832	$ 2,898,794

CONSOLIDATED STATEMENTS OF FIN3

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Unaudited) (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017
Statement of Financial Position [Abstract]
Investment securities, held to maturity, fair value	$ 222,210	$ 215,007
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	17,044,066	16,988,951
Common Stock, shares outstanding	17,044,066	16,988,951

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
INTEREST INCOME
Loans, including Fees	$ 19,535	$ 18,005
Investment Securities:
Taxable	2,523	1,783
Tax Exempt	239	259
Funds Sold	917	493
Total Interest Income	23,214	20,540
INTEREST EXPENSE
Deposits	868	281
Short-Term Borrowings	8	45
Subordinated Notes Payable	475	379
Other Long-Term Borrowings	100	99
Total Interest Expense	1,451	804
NET INTEREST INCOME	21,763	19,736
Provision for Loan Losses	745	310
Net Interest Income After Provision For Loan Losses	21,018	19,426
NONINTEREST INCOME
Deposit Fees	4,872	5,090
Bank Card Fees	2,811	2,803
Wealth Management Fees	2,173	1,842
Mortgage Banking Fees	1,057	1,308
Other	1,564	1,675
Total Noninterest Income	12,477	12,718
NONINTEREST EXPENSE
Compensation	15,911	15,859
Occupancy, Net	4,551	4,381
Other Real Estate Owned, Net	626	583
Other	6,818	7,099
Total Noninterest Expense	27,906	27,922
INCOME BEFORE INCOME TAXES	5,589	4,222
Income Tax Expense	(184)	1,478
NET INCOME	$ 5,773	$ 2,744
BASIC NET INCOME PER SHARE (in dollars per shares)	$ 0.34	$ 0.16
DILUTED NET INCOME PER SHARE (in dollars per shares)	$ 0.34	$ 0.16
Average Basic Common Shares Outstanding (in shares)	17,028	16,919
Average Diluted Common Shares Outstanding (in shares)	17,073	16,944

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Income Statement [Abstract]
NET INCOME	$ 5,773	$ 2,744
Investment Securities:
Change in net unrealized gain/loss on securities available for sale	(1,488)	505
Amortization of unrealized losses on securities transferred from available for sale to held to maturity	15	20
Total Investment Securities	(1,473)	525
Other comprehensive income, before tax	(1,473)	525
Deferred tax expense related to other comprehensive income	(373)	204
Other comprehensive income, net of tax	(1,100)	321
TOTAL COMPREHENSIVE INCOME	$ 4,673	$ 3,065

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, 2016	$ 275,168	$ 168	$ 34,188	$ 267,037	$ (26,225)
Balance (in shares) at Dec. 31, 2016		16,844,698
Net Income	2,744	$ 0	0	2,744	0
Other Comprehensive Loss, Net of Tax	321	0	0	0	321
Cash Dividends ($0.0700 and $0.0500 per share for March 31, 2018 and March 31, 2017, respectively)	(847)	0	0	(847)	0
Repurchase of Common Stock	0	$ 0	0	0	0
Repurchase of Common Stock (in shares)		0
Stock Compensation Expense	408	$ 0	408	0	0
Impact of Transactions Under Compensation Plans, net	265	$ 2	263	0	0
Impact of Transactions Under Compensation Plans, net (in shares)		109,351
Balance at Mar. 31, 2017	$ 278,059	$ 170	34,859	268,934	(25,904)
Balance, Shares at Mar. 31, 2017	16,954,049
Balance at Dec. 31, 2017	$ 284,210	$ 170	36,674	279,410	(32,044)
Balance (in shares) at Dec. 31, 2017	16,988,951	16,988,951
Net Income	$ 5,773	$ 0	0	5,773	0
Other Comprehensive Loss, Net of Tax	(1,100)	0	0	0	(1,100)
Cash Dividends ($0.0700 and $0.0500 per share for March 31, 2018 and March 31, 2017, respectively)	(1,193)	0	0	(1,193)	0
Repurchase of Common Stock	0	$ 0	0	0	0
Repurchase of Common Stock (in shares)		0
Stock Compensation Expense	331	$ 0	331	0	0
Impact of Transactions Under Compensation Plans, net	339	$ 1	338	0	0
Impact of Transactions Under Compensation Plans, net (in shares)		55,115
Balance at Mar. 31, 2018	$ 288,360	$ 171	$ 37,343	$ 283,990	$ (33,144)
Balance, Shares at Mar. 31, 2018	17,044,066	17,044,066

CONSOLIDATED STATEMENTS OF CHA7

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREOWNERS' EQUITY (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Statement of Stockholders' Equity [Abstract]
Cash Dividends (in dollars per share)	$ 0.07	$ 0.05

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($)	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
CASH FLOWS FROM OPERATING ACTIVITIES
Net Income	$ 5,773,000	$ 2,744,000
Adjustments to Reconcile Net Income to Cash Provided by Operating Activities:
Provision for Loan Losses	745,000	310,000
Depreciation	1,605,000	1,735,000
Amortization of Premiums, Discounts, and Fees (net)	1,723,000	1,575,000
Net Decrease (Increase) in Loans Held-for-Sale	(28,000)	3,388,000
Stock Compensation	331,000	408,000
Excess Tax Benefit From Share Based Compensation Operating Activities	(41,000)	0
Deferred Income Taxes	1,407,000	1,174,000
Loss on Sales and Write-Downs of Other Real Estate Owned	554,000	490,000
Loss on Sale or Disposal of Premises and Equipment	0	0
Net (Increase) Decrease in Other Assets	(6,173,000)	7,926,000
Net Increase in Other Liabilities	(3,706,000)	4,168,000
Net Cash Provided By Operating Activities	2,190,000	23,918,000
Securities Held to Maturity:
Purchases	(35,953,000)	(10,738,000)
Payments, Maturities, and Calls	26,696,000	29,338,000
Securities Available for Sale:
Purchases	(49,749,000)	(50,022,000)
Payments, Maturities, and Calls	55,221,000	30,732,000
Payments To Acquire Loans Held For Investment	(3,965,000)	(18,513,000)
Payments for (Proceeds from) Loans Receivable	(5,514,000)	(6,099,000)
Proceeds From Sales of Other Real Estate Owned	364,000	2,114,000
Purchases of Premises and Equipment, net	(847,000)	(923,000)
Net Cash Used In Investing Activities	(13,747,000)	(24,111,000)
CASH FLOWS FROM FINANCING ACTIVITIES
Net (Decrease) Increase in Deposits	29,007,000	47,019,000
Net Increase in Short-Term Borrowings	(2,587,000)	(2,146,000)
Repayment of Other Long-Term Borrowings	(634,000)	(1,421,000)
Dividends Paid	(1,193,000)	(847,000)
Issuance of Common Stock Under Compensation Plans	147,000	88,000
Net Cash (Used In) Provided By Financing Activities	24,740,000	42,693,000
NET DECREASE IN CASH AND CASH EQUIVALENTS	13,183,000	42,500,000
Cash and Cash Equivalents at Beginning of Period	285,442,000	296,047,000
Cash and Cash Equivalents at End of Period	298,625,000	338,547,000
Supplemental Cash Flow Disclosures:
Interest Paid, Net	1,451,000	808,000
Income Taxes Paid	0	691,000
Noncash Investing and Financing Activities:
Loans Transferred to Other Real Estate Owned	$ 307,000	$ 1,541,000

SIGNIFICANT ACCOUNTING POLICIES

SIGNIFICANT ACCOUNTING POLICIES	3 Months Ended
	Mar. 31, 2018
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” ). All material inter-company transactions and accounts have been eliminated. Certain previously reporte d 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 interim financial information a nd 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 statements. In the opinion of manage ment, 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, 2017 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, r efer 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, 2017 . Accounting Changes Revenue Recognition . Accounting Standards Codification ("ASC") 606, Revenue from Contracts with Customers ("ASC 606"), establishes principles for reporting information about the nature, amount, timing and uncertainty of revenue and cash flows arising from the entity's contracts to provide goods or services to customers. Th e core principle requires an entity to recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration that it expects to be entitled to receive in exchange for those goods or services recognized as p erformance obligations are satisfied. The majority of the Company’s revenue-generating transactions are not subject to ASC 606, including revenue generated from financial instruments, such as our loans, letters of credit, and investment securities, and revenue related to the sale of residential mortgages in the secondary market, as these activities are subject to other GAAP discussed elsewhere within our disclosures. Descriptions of the major revenue-generating activities that are within the scope of AS C 606, which are presented in the accompanying statements of income as components of non-interest income are as follows: Deposit Fees - these represent general service fees for monthly account maintenance and activity- or transaction-based fees and consis t of transaction-based revenue, time-based revenue (service period), item-based revenue or some other individual attribute-based revenue. Revenue is recognized when the Company’s performance obligation is completed which is generally monthly for account m aintenance services or when a transaction has been completed. Payment for such performance obligations are generally received at the time the performance obligations are satisfied. Wealth Management - trust fees and retail brokerage fees – trust fees rep resent monthly fees due from wealth management customers as consideration for managing the customer’s assets. Trust services include custody of assets, investment management, fees for trust services and similar fiduciary activities. Revenue is recognized w hen the Company’s performance obligation is completed each month or quarter, which is the time that payment is received. Also, retail brokerage fees are received from a third party broker-dealer, for which the Company acts as an agent, as part of a revenue-sharing agreement for fees earned from c ustomers that are referred to the third party. These fees are for transactional and advisory services and are paid by the third party on a monthly basis and recognized ratably throughout the quarter as the Company’s performance obligation is satisfied. Bank Card Fees – bank card related fees primarily includes interchange income from client use of consumer and business debit cards. Interchange income is a fee paid by a merchant bank to the card-issuing bank through the interchange network. Interchange fees are set by the credit card associations and are based on cardholder purchase volumes. The Company records interchange income as transactions occur. Gains and Losses from the Sale of Bank Owned Property – the performance obligation in the sale of other real estate owned typically will be the delive ry of control over the property to the buyer. If the Company is not providing the financing of the sale, the transaction price is typically identified in the purchase and sale agreement. However, if the Company provides seller financing, the Company must determine a transaction price, depending on if the sale contract is at market terms and taking into account the credit risk inherent in the arrangement. Other non-interest income primarily includes items such as mortgage banking fees (gains from the sa le of residential mortgage loans held for sale), bank-owned life insurance, and safe deposit box fees none of which are subject to the requirements of ASC 606. The Company has made no significant judgments in applying the revenue guidance prescribed in AS C 606 that affects the determination of the amount and timing of revenue from the above-described contracts with customers. The Company has applied ASC 606 using the modified retrospective approach effective on January 1, 2018 to all existing contracts w ith customers covered under the scope of the standard. The Company did not have an aggregate effect of modification resulting from adoption of ASC 606, and no financial statement line items were affected by this change in accounting standard. Equity Se curities . Beginning January 1, 2018, upon adoption of ASU 2016-01, equity securities with readily determinable fair values are stated at fair value with realized and unrealized gains and losses reported in income. For periods prior to January 1, 2018, equi ty securities were classified as available-for-sale and stated at fair value with unrealized gains and losses reported as a separate component of AOCI, net of tax. Equity securities without readily determinable fair values are recorded at cost less any im pairment, if any. At March 31, 2018, the Company reclassified one security in the amount of $0.8 million to other assets in accordance with this accounting standard. Employee Benefit Plans . Accounting Standards Update (“ASU”) 2 017-07, Compensation – Retirement Benefits (Topic 715) requires that an employer report the service cost component in the same line item or items as other compensation costs arising from services rendered by the pertinent employees during the period. The other components of net benefit cost are required to be presented in the income statement separately from the service cost component and outside a subtotal of income from operations, if one is presented. If a separate line item or items are used to present the other components of net benefit cost, that line item or items must be appropriately described. If a separate line item or items are not used, the line item or items used in the income statement to present the other components of net benefit cost must be disclosed. In accorda nce with this accounting standard, the Company reclassified the non-service cost components of its net periodic benefit cost to other noninterest expense in the accompanying statements of income (See Note 5 – Employee Benefit Plans). Prior year amounts wer e retrospectively adjusted in accordance with the accounting standard. The effects on the statements of income were as follows: Period Presented Line Item (Dollars in Thousands) Compensation Other Expense Three Months Ended March 31, 2018 ($455) $455 Three Months Ended December 31, 2017 ($637) $637 Three Months Ended March 31, 2017 ($637) $637

INVESTMENT SECURITIES

INVESTMENT SECURITIES	3 Months Ended
	Mar. 31, 2018
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: March 31, 2018 December 31, 2017 Amortized Unrealized Unrealized Market Amortized Unrealized Unrealized Market Cost Gains Losses Value Cost Gain Losses Value Available for Sale U.S. Government Treasury $ 240,933 $ 5 $ 3,361 $ 237,577 $ 237,505 $ - $ 2,164 $ 235,341 U.S. Government Agency 149,074 667 670 149,071 144,324 727 407 144,644 States and Political Subdivisions 76,486 - 343 76,143 91,533 2 378 91,157 Mortgage-Backed Securities 1,082 77 - 1,159 1,102 83 - 1,185 Equity Securities (1) 7,886 - - 7,886 8,584 - - 8,584 Total $ 475,461 $ 749 $ 4,374 $ 471,836 $ 483,048 $ 812 $ 2,949 $ 480,911 Held to Maturity U.S. Government Treasury $ 78,184 $ - $ 664 $ 77,520 $ 98,256 $ - $ 441 $ 97,815 States and Political Subdivisions 6,940 - 42 6,898 6,996 - 41 6,955 Mortgage-Backed Securities 140,428 39 2,675 137,792 111,427 22 1,212 110,237 Total $ 225,552 $ 39 $ 3,381 $ 222,210 $ 216,679 $ 22 $ 1,694 $ 215,007 Total Investment Securities $ 701,013 $ 788 $ 7,755 $ 694,046 $ 699,727 $ 834 $ 4,643 $ 695,918 (1) Includes Federal Home Loan Bank and Federal Reserve Bank stock, recorded at cost of $3.1 million, $4.8 million, respectively, at March 31, 2018 and includes Federal Home Loan Bank, Federal Reserve Bank and FNBB Inc. stock recorded at cost of $3.1 million, $4.8 million, and $0.8 million, respectively, at December 31, 2017 . Securities with an amortized cost of $ 328.3 million and $328.1 million at March 31, 2018 and December 31, 2017 , 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. As a member of the Federal Reserve Bank of Atlanta, the Bank is required to maintain stock in the Federal Reserve Bank of Atlanta based on a specified ratio relative to the Bank’s capital. Federal Reserve Bank stock is carried at cost. Maturity Distribution . At March 31, 2018 , the Company's investment securities had the following maturity distribution based on contractual ma turity. 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 separately because they a re not due at a certain maturity date. Available for Sale Held to Maturity (Dollars in Thousands) Amortized Cost Market Value Amortized Cost Market Value Due in one year or less $ 85,838 $ 85,522 $ 43,838 $ 43,763 Due after one through five years 265,050 261,329 41,286 40,655 Mortgage-Backed Securities 1,082 1,159 140,428 137,792 U.S. Government Agency 115,605 115,940 - - Equity Securities 7,886 7,886 - - Total $ 475,461 $ 471,836 $ 225,552 $ 222,210 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 March 31, 2018 Available for Sale U.S. Government Treasury $ 139,880 $ 1,820 $ 87,734 $ 1,541 $ 227,614 $ 3,361 U.S. Government Agency 55,536 376 28,120 294 83,656 670 States and Political Subdivisions 68,011 289 5,532 54 73,543 343 Mortgage-Backed Securities 2 - - - 2 - Total 263,429 2,485 121,386 1,889 384,815 4,374 Held to Maturity U.S. Government Treasury 47,622 454 29,898 210 77,520 664 States and Political Subdivisions 6,633 42 - - 6,633 42 Mortgage-Backed Securities 94,379 1,560 28,226 1,115 122,605 2,675 Total $ 148,634 $ 2,056 $ 58,124 $ 1,325 $ 206,758 $ 3,381 December 31, 2017 Available for Sale U.S. Government Treasury $ 155,443 $ 963 $ 79,900 $ 1,201 $ 235,343 $ 2,164 U.S. Government Agency 45,737 150 25,757 257 71,494 407 States and Political Subdivisions 82,999 320 5,549 58 88,548 378 Mortgage-Backed Securities 2 - - - 2 - Total 284,181 1,433 111,206 1,516 395,387 2,949 Held to Maturity U.S. Government Treasury 77,861 298 14,939 143 92,800 441 States and Political Subdivisions 6,955 41 - - 6,955 41 Mortgage-Backed Securities 56,030 469 30,216 743 86,246 1,212 Total $ 140,846 $ 808 $ 45,155 $ 886 $ 186,001 $ 1,694 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 available-for-sale (“AFS”) and held-to-maturity (“HTM”) 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 likely 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 flows, 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 financia l condition, management 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 March 31, 2018 , there were 538 positions (combi ned AFS and HTM) with unrealized losses totaling $ 7.8 million. 63 of these positions were U.S. government treasury securities guaranteed by the U.S. government. 236 of these positions were U.S. government agency and mortgage-backed securities issued by U.S . government sponsored entities, with the remaining 239 positions being municipal securities. B ecause the declines in the market value of these securities 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 March 31, 2018.

LOANS, NET

LOANS, NET	3 Months Ended
	Mar. 31, 2018
Receivables [Abstract]
LOANS, NET	NOTE 3 – LOANS, NET Loan Portfolio Composition . The composition of the loan portfolio was as foll ows: (Dollars in Thousands) March 31, 2018 December 31, 2017 Commercial, Financial and Agricultural $ 198,775 $ 218,166 Real Estate – Construction 80,236 77,966 Real Estate – Commercial Mortgage 551,309 535,707 Real Estate – Residential (1) 322,038 311,906 Real Estate – Home Equity 223,994 229,513 Consumer (2) 285,543 280,234 Loans, Net of Unearned Income $ 1,661,895 $ 1,653,492 (1) Includes loans in process with outstanding balances of $ 15.9 million and $ 9.1 million at March 31, 2018 and December 31, 2017 , respectively. Net deferred costs included in loans were $ 1.4 million at March 31, 2018 and $ 1.5 million at December 31, 2017 . 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 borrowing capacity at the Federal Reserve Bank of Atlan ta. 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. March 31, 2018 December 31, 2017 (Dollars in Thousands) Nonaccrual 90 + Days Nonaccrual 90 + Days Commercial, Financial and Agricultural $ 567 $ - $ 629 $ - Real Estate – Construction 608 - 297 - Real Estate – Commercial Mortgage 1,940 - 2,370 - Real Estate – Residential 2,398 - 1,938 - Real Estate – Home Equity 1,686 - 1,748 - Consumer 115 - 177 36 Total Nonaccrual Loans $ 7,314 $ - $ 7,159 $ 36 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 accruing 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 (1) March 31, 2018 Commercial, Financial and Agricultural $ 125 $ 149 $ - $ 274 $ 197,934 $ 198,775 Real Estate – Construction 162 - - 162 79,466 80,236 Real Estate – Commercial Mortgage 360 917 - 1,277 548,092 551,309 Real Estate – Residential 1,252 33 - 1,285 318,355 322,038 Real Estate – Home Equity 234 1 - 235 222,073 223,994 Consumer 690 345 - 1,035 284,393 285,543 Total Past Due Loans $ 2,823 $ 1,445 $ - $ 4,268 $ 1,650,313 $ 1,661,895 December 31, 2017 Commercial, Financial and Agricultural $ 87 $ 55 $ - $ 142 $ 217,395 $ 218,166 Real Estate – Construction 811 - - 811 76,858 77,966 Real Estate – Commercial Mortgage 437 195 - 632 532,705 535,707 Real Estate – Residential 701 446 - 1,147 308,821 311,906 Real Estate – Home Equity 80 2 - 82 227,683 229,513 Consumer 1,316 413 36 1,765 278,292 280,234 Total Past Due Loans $ 3,432 $ 1,111 $ 36 $ 4,579 $ 1,641,754 $ 1,653,492 (1) Total Loans include nonaccrual loans 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 March 31, 2018 Beginning Balance $ 1,191 $ 122 $ 4,346 $ 3,206 $ 2,506 $ 1,936 $ 13,307 Provision for Loan Losses (44) 128 (126) 180 (90) 697 745 Charge-Offs (182) (7) (290) (107) (158) (695) (1,439) Recoveries 166 1 123 84 61 210 645 Net Charge-Offs (16) (6) (167) (23) (97) (485) (794) Ending Balance $ 1,131 $ 244 $ 4,053 $ 3,363 $ 2,319 $ 2,148 $ 13,258 Three Months Ended March 31, 2017 Beginning Balance $ 1,198 $ 168 $ 4,315 $ 3,445 $ 2,297 $ 2,008 $ 13,431 Provision for Loan Losses (36) (68) (187) (166) 288 479 310 Charge-Offs (93) - (71) (116) (92) (624) (996) Recoveries 81 - 23 213 29 244 590 Net Charge-Offs (12) - (48) 97 (63) (380) (406) Ending Balance $ 1,150 $ 100 $ 4,080 $ 3,376 $ 2,522 $ 2,107 $ 13,335 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 March 31, 2018 Period-end amount Allocated to: Loans Individually Evaluated for Impairment $ 182 $ 114 $ 1,779 $ 1,412 $ 389 $ 1 $ 3,877 Loans Collectively Evaluated for Impairment 949 130 2,274 1,951 1,930 2,147 9,381 Ending Balance $ 1,131 $ 244 $ 4,053 $ 3,363 $ 2,319 $ 2,148 $ 13,258 December 31, 2017 Period-end amount Allocated to: Loans Individually Evaluated for Impairment $ 215 $ 1 $ 2,165 $ 1,220 $ 515 $ 1 $ 4,117 Loans Collectively Evaluated for Impairment 976 121 2,181 1,986 1,991 1,935 9,190 Ending Balance $ 1,191 $ 122 $ 4,346 $ 3,206 $ 2,506 $ 1,936 $ 13,307 March 31, 2017 Period-end amount Allocated to: Loans Individually Evaluated for Impairment $ 94 $ 2 $ 2,027 $ 1,486 $ 445 $ 4 $ 4,058 Loans Collectively Evaluated for Impairment 1,056 98 2,053 1,890 2,077 2,103 9,277 Ending Balance $ 1,150 $ 100 $ 4,080 $ 3,376 $ 2,522 $ 2,107 $ 13,335 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 March 31, 2018 Individually Evaluated for Impairment $ 1,283 $ 671 $ 18,445 $ 13,204 $ 3,198 $ 109 $ 36,910 Collectively Evaluated for Impairment 197,492 79,565 532,864 308,834 220,796 285,434 1,624,985 Total $ 198,775 $ 80,236 $ 551,309 $ 322,038 $ 223,994 $ 285,543 $ 1,661,895 December 31, 2017 Individually Evaluated for Impairment $ 1,378 $ 361 $ 19,280 $ 12,871 $ 3,332 $ 113 $ 37,335 Collectively Evaluated for Impairment 216,788 77,605 516,427 299,035 226,181 280,121 1,616,157 Total $ 218,166 $ 77,966 $ 535,707 $ 311,906 $ 229,513 $ 280,234 $ 1,653,492 March 31, 2017 Individually Evaluated for Impairment $ 1,238 $ 362 $ 23,061 $ 14,699 $ 3,514 $ 145 $ 43,019 Collectively Evaluated for Impairment 213,357 59,576 480,807 290,293 227,786 270,121 1,541,940 Total $ 214,595 $ 59,938 $ 503,868 $ 304,992 $ 231,300 $ 270,266 $ 1,584,959 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 March 31, 2018 Commercial, Financial and Agricultural $ 1,283 $ 114 $ 1,169 $ 182 Real Estate – Construction 671 - 671 114 Real Estate – Commercial Mortgage 18,445 1,389 17,056 1,779 Real Estate – Residential 13,204 1,773 11,431 1,412 Real Estate – Home Equity 3,198 1,419 1,779 389 Consumer 109 42 67 1 Total $ 36,910 $ 4,737 $ 32,173 $ 3,877 December 31, 2017 Commercial, Financial and Agricultural $ 1,378 $ 118 $ 1,260 $ 215 Real Estate – Construction 361 297 64 1 Real Estate – Commercial Mortgage 19,280 1,763 17,517 2,165 Real Estate – Residential 12,871 1,516 11,355 1,220 Real Estate – Home Equity 3,332 1,157 2,175 515 Consumer 113 45 68 1 Total $ 37,335 $ 4,896 $ 32,439 $ 4,117 The following table summarizes the average recorded investment and interest income recognized by class of impaired loans. Three Months Ended March 31, 2018 2017 Average Total Average Total Recorded Interest Recorded Interest (Dollars in Thousands) Investment Income Investment Income Commercial, Financial and Agricultural $ 1,330 $ 29 $ 1,140 $ 12 Real Estate – Construction 517 1 305 - Real Estate – Commercial Mortgage 18,862 175 23,458 223 Real Estate – Residential 13,038 148 15,147 180 Real Estate – Home Equity 3,265 26 3,445 27 Consumer 111 2 159 2 Total $ 37,123 $ 381 $ 43,654 $ 444 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 March 31, 2018 Special Mention $ 3,937 $ 12,779 $ 62 $ 16,778 Substandard 1,050 30,173 486 31,709 Doubtful - - - - Total Criticized Loans $ 4,987 $ 42,952 $ 548 $ 48,487 December 31, 2017 Special Mention $ 7,879 $ 13,324 $ 65 $ 21,268 Substandard 1,057 29,291 654 31,002 Doubtful - - - - Total Criticized Loans $ 8,936 $ 42,615 $ 719 $ 52,270 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. A TDR classification can be removed if the borrower’s financial condition improves such that the borrower is no longer in financial difficulty, the loan has not had any forgiveness of principal or interest, and the loan is subsequently refinanced or restructured at market terms and qualifies as a new loan. The following table presents loans classified as TDRs. March 31, 2018 December 31, 2017 (Dollars in Thousands) Accruing Nonaccruing Accruing Nonaccruing Commercial, Financial and Agricultural $ 802 $ 230 $ 822 $ - Real Estate – Construction 63 - 64 - Real Estate – Commercial Mortgage 16,712 1,351 17,058 1,636 Real Estate – Residential 11,451 548 11,666 503 Real Estate – Home Equity 2,336 102 2,441 186 Consumer 108 - 113 - Total TDRs $ 31,472 $ 2,231 $ 32,164 $ 2,325 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 March 31, Three Months Ended March 31, 2018 2017 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 1 $ 497 $ 230 - $ - $ - Real Estate – Construction - - - 1 64 65 Real Estate – Commercial Mortgage 1 228 228 - - - Real Estate – Home Equity - - - 1 56 55 Consumer - - - - - - Total TDRs 2 $ 725 $ 458 2 $ 120 $ 120 For the three months ended March 31 , 2018 and March 31 , 2017, there were no loans modified as TDRs within the previous 12 months that have substantially defaulted. The following table provides information on how TDRs were modified during the periods indicated. Three Months Ended March 31, Three Months Ended March 31, 2018 2017 Number of Recorded Number of Recorded (Dollars in Thousands) Contracts Investment (1) Contracts Investment (1) Extended amortization 1 $ 228 - $ - Interest rate adjustment - - 2 120 Extended amortization and interest rate adjustment - - - - Principal Moratorium 1 230 - - Other - - - - Total TDRs 2 $ 458 2 $ 120 (1) Recorded investment reflects charge-offs and additional funds advanced at time of restructure, if applicable.

OTHER REAL ESTATE OWNED

OTHER REAL ESTATE OWNED	3 Months Ended
	Mar. 31, 2018
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 March 31, (Dollars in Thousands) 2018 2017 Beginning Balance $ 3,941 $ 10,638 Additions 307 1,541 Valuation Write-downs (494) (494) Sales (424) (2,111) Other - (73) Ending Balance $ 3,330 $ 9,501 Net expenses applicable to other real estate owned include the following: Three Months Ended March 31, (Dollars in Thousands) 2018 2017 Gains from the Sale of Properties $ (28) $ (106) Losses from the Sale of Properties 88 102 Rental Income from Properties (3) (32) Property Carrying Costs 75 125 Valuation Adjustments 494 494 Total $ 626 $ 583 As of March 31, 2018 , the Company had $ 1 .8 million of loans secured by residential real estate in the process of foreclosure .

EMPLOYEE BENEFIT PLANS

EMPLOYEE BENEFIT PLANS	3 Months Ended
	Mar. 31, 2018
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 March 31, (Dollars in Thousands) 2018 2017 Service Cost $ 1,721 $ 1,688 Interest Cost 1,415 1,437 Expected Return on Plan Assets (2,391) (2,006) Prior Service Cost Amortization 50 56 Net Loss Amortization 918 953 Net Periodic Benefit Cost $ 1,713 $ 2,128 Discount Rate Used for Benefit Cost 3.71% 4.21% Long-term Rate of Return on Assets 7.25% 7.25% The components of the net periodic benefit cost for the Company's SERP were as follows: Three Months Ended March 31, (Dollars in Thousands) 2018 2017 Interest Cost $ 57 $ 48 Net Loss Amortization 406 149 Net Periodic Benefit Cost $ 463 $ 197 Discount Rate Used for Benefit Cost 3.53% 3.92% The service cost component of net periodic benefit cost is reflected in compensation expense in the accompanying statements of income. The other components of net periodic cost are included in “other” within the n oninterest e xpense category in the statements of income. See Note 1 – Significant Accounting Policies for additional information. During the first quarter of 2018, the Company made a $10 million contribution to its defined benefit pension plan for the 2017 plan year .

COMMITMENTS AND CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	3 Months Ended
	Mar. 31, 2018
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: March 31, 2018 December 31, 2017 (Dollars in Thousands) Fixed Variable Total Fixed Variable Total Commitments to Extend Credit (1) $ 85,979 $ 387,437 $ 473,416 $ 78,390 $ 366,750 $ 445,140 Standby Letters of Credit 4,727 - 4,727 4,678 - 4,678 Total $ 90,706 $ 387,437 $ 478,143 $ 83,068 $ 366,750 $ 449,818 (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 $ 115 ,000. Conversion ratio payments and ongoing fixed quarterly charges are reflected in earnings in the period incurred.

FAIR VALUE MEASUREMENTS

FAIR VALUE MEASUREMENTS	3 Months Ended
	Mar. 31, 2018
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 March 31, 2018 , 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 March 31, 2018 Securities Available for Sale: U.S. Government Treasury $ 237,577 $ - $ - $ 237,577 U.S. Government Agency - 149,071 - 149,071 States and Political Subdivisions - 76,143 - 76,143 Mortgage-Backed Securities - 1,159 - 1,159 Equity Securities - 7,886 - 7,886 December 31, 2017 Securities Available for Sale: U.S. Government Treasury $ 235,341 $ - $ - $ 235,341 U.S. Government Agency - 144,644 - 144,644 States and Political Subdivisions - 91,157 - 91,157 Mortgage-Backed Securities - 1,185 - 1,185 Equity Securities - 8,584 - 8,584 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 $ 6.0 million with a valuation allowance of $ 1.0 million at March 31, 2018 and $ 6.1 million and $ 1.1 million, respectively , at December 31, 2017 . 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 three months of 2018 , 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 . For values reported prior to 2018, the discount rates use d to projecting cash flows reflected the credit and interest rate risks 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. Pursuant to the adoption of ASU 2016-01, Recognition and Measurement of Financial Assets and Financial Liabilities , for values reported for the 2018 period, fair value reflects the incorporation of a liquidity discount to meet the objective of “exit price” valuation. Deposits. The fair value of Noninterest Bearing Deposits, NOW Accounts, Money Market 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 prese nt value techniques and rates currently offered for deposits of similar remaining maturities. Subordinated Notes Payable. The fair value of each note is calculated using present value techniques, based upon projected cash flows and estimated discount rat es as well as rates being offered for similar obligations. Short-Term and Long-Term Borrowings. 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 significan t financial instruments consisted of the following: March 31, 2018 Carrying Level 1 Level 2 Level 3 (Dollars in Thousands) Value Inputs Inputs Inputs ASSETS: Cash $ 47,804 $ 47,804 $ - $ - Short-Term Investments 250,821 250,821 - - Investment Securities, Available for Sale 471,836 237,577 234,259 - Investment Securities, Held to Maturity 225,552 77,520 144,690 - Equity Securities (1) 3,600 - 3,600 - Loans Held for Sale 4,845 - 4,845 - Loans, Net of Allowance for Loan Losses 1,648,637 - - 1,617,733 LIABILITIES: Deposits $ 2,498,884 $ - $ 2,497,022 $ - Short-Term Borrowings 4,893 - 4,893 - Subordinated Notes Payable 52,887 - 43,912 - Long-Term Borrowings 13,333 - 13,363 - December 31, 2017 Carrying Level 1 Level 2 Level 3 (Dollars in Thousands) Value Inputs Inputs Inputs ASSETS: Cash $ 58,419 $ 58,419 $ - $ - Short-Term Investments 227,023 227,023 - - Investment Securities, Available for Sale 480,911 235,341 245,570 - Investment Securities, Held to Maturity 216,679 97,815 117,192 - Loans Held for Sale 4,817 - 4,817 - Loans, Net of Allowance for Loan Losses 1,640,185 - - 1,625,310 LIABILITIES: Deposits $ 2,469,877 $ - $ 2,382,818 $ - Short-Term Borrowings 7,480 - 7,482 - Subordinated Notes Payable 52,887 - 41,718 - Long-Term Borrowings 13,967 - 14,081 - (1) Not readily marketable securiti es - reflected in other assets. 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	3 Months Ended
	Mar. 31, 2018
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 March 31, 2018 Investment Securities: Change in net unrealized gain/loss on securities available for sale $ (1,488) $ 377 $ (1,111) Amortization of losses on securities transferred from available for sale to held to maturity 15 (4) 11 Total Other Comprehensive Loss $ (1,473) $ 373 $ (1,100) March 31, 2017 Investment Securities: Change in net unrealized gain/loss on securities available for sale $ 505 $ (196) $ 309 Amortization of losses on securities transferred from available for sale to held to maturity 20 (8) 12 Total Other Comprehensive Income $ 525 $ (204) $ 321 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, 2018 $ (1,743) $ (30,301) $ (32,044) Other comprehensive income during the period (1,100) - (1,100) Balance as of March 31, 2018 $ (2,843) $ (30,301) $ (33,144) Balance as of January 1, 2017 $ (583) $ (25,642) $ (26,225) Other comprehensive income during the period 321 - 321 Balance as of March 31, 2017 $ (262) $ (25,642) $ (25,904)

ACCOUNTING STANDARDS UPDATES

ACCOUNTING STANDARDS UPDATES	3 Months Ended
	Mar. 31, 2018
Accounting Standards Updates
ACCOUNTING STANDARDS UPDATES	NOTE 9 – ACCOUNTING STANDARDS UPDATES ASU 2014-09, “Revenue from Contracts with Customers (Topic 606).” ASU 2014-09 implements a common revenue standard that clarifies the principles for recognizing revenue. The core principle of ASU 2014-09 is that an entity should recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. To achieve that core princ iple, an entity should apply the following steps: (i) identify the contract(s) with a customer, (ii) identify the performance obligations in the contract, (iii) determine the transaction price, (iv) allocate the transaction price to the performance obligat ions in the contract and (v) recognize revenue when (or as) the entity satisfies a performance obligation. The Company adopted ASU 2014-09 January 1, 2018 . See Note 1 – Significant Accounting Policies for additional information . 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 on January 1, 2019 and is not expected to have a significant 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 a ll 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 wit h credit deterioration. ASU 2016-13 will be effective for the Company on January 1, 2020. The Company is currently evaluating the potential impact of ASU 2016-13 on its financial statements and related disclosures. As part of its implementation efforts to date, management has formed a cross-functional implementation team, developed a project plan, and selected a vendor to provide a solution to assist in model development. The Company expects the new guidance will result in an increase in the allowance f or credit losses given the change from accounting for losses inherent in the loan portfolio to accounting for losses over the remaining expected life of the portfolio. However, since the magnitude of the anticipated increase in the allowance for credit lo sses will be impacted by economic conditions and trends in the Company’s portfolio at the time of adoption, the quantitative impact cannot yet be reasonably estimated. ASU 2018-03 , "Technical Corrections and Improvements to Financial Instruments - Overall ( Subtopic825-10): Recognition and Measurement of Financial Assets and Financial Liabilities. ASU 2018-03 clarifies certain aspects of the guidance issued in ASU 2016-01. This includes the ability to irrevocably elect to change the measurement approach fo r equity securities measured using the practical expedient (at cost plus or minus observable transactions less impairment) to a fair value method in accordance with Topic 820, Fair Value Measurement; clarification that if an observable transaction occurs f or such securities, the adjustment is as of the observable transaction date; clarification that the prospective transition approach for equity securities without a readily determinable fair values is meant only for instances in which the practical expedien t is elected; and various other clarifications. ASU 2018-03 is effective for the Company on July 1, 2018 and is not expected to have a significant impact on its financial statements.

SIGNIFICANT ACCOUNTING POLICI18

SIGNIFICANT ACCOUNTING POLICIES (Policies)	3 Months Ended
	Mar. 31, 2018
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” ). All material inter-company transactions and accounts have been eliminated. Certain previously reporte d 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 interim financial information a nd 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 statements. In the opinion of manage ment, 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, 2017 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, r efer 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, 2017 . Accounting Changes Revenue Recognition . Accounting Standards Codification ("ASC") 606, Revenue from Contracts with Customers ("ASC 606"), establishes principles for reporting information about the nature, amount, timing and uncertainty of revenue and cash flows arising from the entity's contracts to provide goods or services to customers. Th e core principle requires an entity to recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration that it expects to be entitled to receive in exchange for those goods or services recognized as p erformance obligations are satisfied. The majority of the Company’s revenue-generating transactions are not subject to ASC 606, including revenue generated from financial instruments, such as our loans, letters of credit, and investment securities, and revenue related to the sale of residential mortgages in the secondary market, as these activities are subject to other GAAP discussed elsewhere within our disclosures. Descriptions of the major revenue-generating activities that are within the scope of AS C 606, which are presented in the accompanying statements of income as components of non-interest income are as follows: Deposit Fees - these represent general service fees for monthly account maintenance and activity- or transaction-based fees and consis t of transaction-based revenue, time-based revenue (service period), item-based revenue or some other individual attribute-based revenue. Revenue is recognized when the Company’s performance obligation is completed which is generally monthly for account m aintenance services or when a transaction has been completed. Payment for such performance obligations are generally received at the time the performance obligations are satisfied. Wealth Management - trust fees and retail brokerage fees – trust fees rep resent monthly fees due from wealth management customers as consideration for managing the customer’s assets. Trust services include custody of assets, investment management, fees for trust services and similar fiduciary activities. Revenue is recognized w hen the Company’s performance obligation is completed each month or quarter, which is the time that payment is received. Also, retail brokerage fees are received from a third party broker-dealer, for which the Company acts as an agent, as part of a revenue-sharing agreement for fees earned from c ustomers that are referred to the third party. These fees are for transactional and advisory services and are paid by the third party on a monthly basis and recognized ratably throughout the quarter as the Company’s performance obligation is satisfied. Bank Card Fees – bank card related fees primarily includes interchange income from client use of consumer and business debit cards. Interchange income is a fee paid by a merchant bank to the card-issuing bank through the interchange network. Interchange fees are set by the credit card associations and are based on cardholder purchase volumes. The Company records interchange income as transactions occur. Gains and Losses from the Sale of Bank Owned Property – the performance obligation in the sale of other real estate owned typically will be the delive ry of control over the property to the buyer. If the Company is not providing the financing of the sale, the transaction price is typically identified in the purchase and sale agreement. However, if the Company provides seller financing, the Company must determine a transaction price, depending on if the sale contract is at market terms and taking into account the credit risk inherent in the arrangement. Other non-interest income primarily includes items such as mortgage banking fees (gains from the sa le of residential mortgage loans held for sale), bank-owned life insurance, and safe deposit box fees none of which are subject to the requirements of ASC 606. The Company has made no significant judgments in applying the revenue guidance prescribed in AS C 606 that affects the determination of the amount and timing of revenue from the above-described contracts with customers. The Company has applied ASC 606 using the modified retrospective approach effective on January 1, 2018 to all existing contracts w ith customers covered under the scope of the standard. The Company did not have an aggregate effect of modification resulting from adoption of ASC 606, and no financial statement line items were affected by this change in accounting standard. Equity Se curities . Beginning January 1, 2018, upon adoption of ASU 2016-01, equity securities with readily determinable fair values are stated at fair value with realized and unrealized gains and losses reported in income. For periods prior to January 1, 2018, equi ty securities were classified as available-for-sale and stated at fair value with unrealized gains and losses reported as a separate component of AOCI, net of tax. Equity securities without readily determinable fair values are recorded at cost less any im pairment, if any. At March 31, 2018, the Company reclassified one security in the amount of $0.8 million to other assets in accordance with this accounting standard. Employee Benefit Plans . Accounting Standards Update (“ASU”) 2 017-07, Compensation – Retirement Benefits (Topic 715) requires that an employer report the service cost component in the same line item or items as other compensation costs arising from services rendered by the pertinent employees during the period. The other components of net benefit cost are required to be presented in the income statement separately from the service cost component and outside a subtotal of income from operations, if one is presented. If a separate line item or items are used to present the other components of net benefit cost, that line item or items must be appropriately described. If a separate line item or items are not used, the line item or items used in the income statement to present the other components of net benefit cost must be disclosed. In accorda nce with this accounting standard, the Company reclassified the non-service cost components of its net periodic benefit cost to other noninterest expense in the accompanying statements of income (See Note 5 – Employee Benefit Plans). Prior year amounts wer e retrospectively adjusted in accordance with the accounting standard. The effects on the statements of income were as follows: Period Presented Line Item (Dollars in Thousands) Compensation Other Expense Three Months Ended March 31, 2018 ($455) $455 Three Months Ended December 31, 2017 ($637) $637 Three Months Ended March 31, 2017 ($637) $637

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	3 Months Ended
	Mar. 31, 2018
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: March 31, 2018 December 31, 2017 Amortized Unrealized Unrealized Market Amortized Unrealized Unrealized Market Cost Gains Losses Value Cost Gain Losses Value Available for Sale U.S. Government Treasury $ 240,933 $ 5 $ 3,361 $ 237,577 $ 237,505 $ - $ 2,164 $ 235,341 U.S. Government Agency 149,074 667 670 149,071 144,324 727 407 144,644 States and Political Subdivisions 76,486 - 343 76,143 91,533 2 378 91,157 Mortgage-Backed Securities 1,082 77 - 1,159 1,102 83 - 1,185 Equity Securities (1) 7,886 - - 7,886 8,584 - - 8,584 Total $ 475,461 $ 749 $ 4,374 $ 471,836 $ 483,048 $ 812 $ 2,949 $ 480,911 Held to Maturity U.S. Government Treasury $ 78,184 $ - $ 664 $ 77,520 $ 98,256 $ - $ 441 $ 97,815 States and Political Subdivisions 6,940 - 42 6,898 6,996 - 41 6,955 Mortgage-Backed Securities 140,428 39 2,675 137,792 111,427 22 1,212 110,237 Total $ 225,552 $ 39 $ 3,381 $ 222,210 $ 216,679 $ 22 $ 1,694 $ 215,007 Total Investment Securities $ 701,013 $ 788 $ 7,755 $ 694,046 $ 699,727 $ 834 $ 4,643 $ 695,918
Schedule of investment securities with maturity distribution based on contractual maturities	Available for Sale Held to Maturity (Dollars in Thousands) Amortized Cost Market Value Amortized Cost Market Value Due in one year or less $ 85,838 $ 85,522 $ 43,838 $ 43,763 Due after one through five years 265,050 261,329 41,286 40,655 Mortgage-Backed Securities 1,082 1,159 140,428 137,792 U.S. Government Agency 115,605 115,940 - - Equity Securities 7,886 7,886 - - Total $ 475,461 $ 471,836 $ 225,552 $ 222,210
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 March 31, 2018 Available for Sale U.S. Government Treasury $ 139,880 $ 1,820 $ 87,734 $ 1,541 $ 227,614 $ 3,361 U.S. Government Agency 55,536 376 28,120 294 83,656 670 States and Political Subdivisions 68,011 289 5,532 54 73,543 343 Mortgage-Backed Securities 2 - - - 2 - Total 263,429 2,485 121,386 1,889 384,815 4,374 Held to Maturity U.S. Government Treasury 47,622 454 29,898 210 77,520 664 States and Political Subdivisions 6,633 42 - - 6,633 42 Mortgage-Backed Securities 94,379 1,560 28,226 1,115 122,605 2,675 Total $ 148,634 $ 2,056 $ 58,124 $ 1,325 $ 206,758 $ 3,381 December 31, 2017 Available for Sale U.S. Government Treasury $ 155,443 $ 963 $ 79,900 $ 1,201 $ 235,343 $ 2,164 U.S. Government Agency 45,737 150 25,757 257 71,494 407 States and Political Subdivisions 82,999 320 5,549 58 88,548 378 Mortgage-Backed Securities 2 - - - 2 - Total 284,181 1,433 111,206 1,516 395,387 2,949 Held to Maturity U.S. Government Treasury 77,861 298 14,939 143 92,800 441 States and Political Subdivisions 6,955 41 - - 6,955 41 Mortgage-Backed Securities 56,030 469 30,216 743 86,246 1,212 Total $ 140,846 $ 808 $ 45,155 $ 886 $ 186,001 $ 1,694

LOANS, NET (Tables)

LOANS, NET (Tables)	3 Months Ended
	Mar. 31, 2018
Receivables [Abstract]
Schedule of composition of the loan portfolio	(Dollars in Thousands) March 31, 2018 December 31, 2017 Commercial, Financial and Agricultural $ 198,775 $ 218,166 Real Estate – Construction 80,236 77,966 Real Estate – Commercial Mortgage 551,309 535,707 Real Estate – Residential (1) 322,038 311,906 Real Estate – Home Equity 223,994 229,513 Consumer (2) 285,543 280,234 Loans, Net of Unearned Income $ 1,661,895 $ 1,653,492
Schedule of recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans	March 31, 2018 December 31, 2017 (Dollars in Thousands) Nonaccrual 90 + Days Nonaccrual 90 + Days Commercial, Financial and Agricultural $ 567 $ - $ 629 $ - Real Estate – Construction 608 - 297 - Real Estate – Commercial Mortgage 1,940 - 2,370 - Real Estate – Residential 2,398 - 1,938 - Real Estate – Home Equity 1,686 - 1,748 - Consumer 115 - 177 36 Total Nonaccrual Loans $ 7,314 $ - $ 7,159 $ 36
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 (1) March 31, 2018 Commercial, Financial and Agricultural $ 125 $ 149 $ - $ 274 $ 197,934 $ 198,775 Real Estate – Construction 162 - - 162 79,466 80,236 Real Estate – Commercial Mortgage 360 917 - 1,277 548,092 551,309 Real Estate – Residential 1,252 33 - 1,285 318,355 322,038 Real Estate – Home Equity 234 1 - 235 222,073 223,994 Consumer 690 345 - 1,035 284,393 285,543 Total Past Due Loans $ 2,823 $ 1,445 $ - $ 4,268 $ 1,650,313 $ 1,661,895 December 31, 2017 Commercial, Financial and Agricultural $ 87 $ 55 $ - $ 142 $ 217,395 $ 218,166 Real Estate – Construction 811 - - 811 76,858 77,966 Real Estate – Commercial Mortgage 437 195 - 632 532,705 535,707 Real Estate – Residential 701 446 - 1,147 308,821 311,906 Real Estate – Home Equity 80 2 - 82 227,683 229,513 Consumer 1,316 413 36 1,765 278,292 280,234 Total Past Due Loans $ 3,432 $ 1,111 $ 36 $ 4,579 $ 1,641,754 $ 1,653,492 (1) Total Loans include nonaccrual loans
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 March 31, 2018 Beginning Balance $ 1,191 $ 122 $ 4,346 $ 3,206 $ 2,506 $ 1,936 $ 13,307 Provision for Loan Losses (44) 128 (126) 180 (90) 697 745 Charge-Offs (182) (7) (290) (107) (158) (695) (1,439) Recoveries 166 1 123 84 61 210 645 Net Charge-Offs (16) (6) (167) (23) (97) (485) (794) Ending Balance $ 1,131 $ 244 $ 4,053 $ 3,363 $ 2,319 $ 2,148 $ 13,258 Three Months Ended March 31, 2017 Beginning Balance $ 1,198 $ 168 $ 4,315 $ 3,445 $ 2,297 $ 2,008 $ 13,431 Provision for Loan Losses (36) (68) (187) (166) 288 479 310 Charge-Offs (93) - (71) (116) (92) (624) (996) Recoveries 81 - 23 213 29 244 590 Net Charge-Offs (12) - (48) 97 (63) (380) (406) Ending Balance $ 1,150 $ 100 $ 4,080 $ 3,376 $ 2,522 $ 2,107 $ 13,335
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 March 31, 2018 Period-end amount Allocated to: Loans Individually Evaluated for Impairment $ 182 $ 114 $ 1,779 $ 1,412 $ 389 $ 1 $ 3,877 Loans Collectively Evaluated for Impairment 949 130 2,274 1,951 1,930 2,147 9,381 Ending Balance $ 1,131 $ 244 $ 4,053 $ 3,363 $ 2,319 $ 2,148 $ 13,258 December 31, 2017 Period-end amount Allocated to: Loans Individually Evaluated for Impairment $ 215 $ 1 $ 2,165 $ 1,220 $ 515 $ 1 $ 4,117 Loans Collectively Evaluated for Impairment 976 121 2,181 1,986 1,991 1,935 9,190 Ending Balance $ 1,191 $ 122 $ 4,346 $ 3,206 $ 2,506 $ 1,936 $ 13,307 March 31, 2017 Period-end amount Allocated to: Loans Individually Evaluated for Impairment $ 94 $ 2 $ 2,027 $ 1,486 $ 445 $ 4 $ 4,058 Loans Collectively Evaluated for Impairment 1,056 98 2,053 1,890 2,077 2,103 9,277 Ending Balance $ 1,150 $ 100 $ 4,080 $ 3,376 $ 2,522 $ 2,107 $ 13,335
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 March 31, 2018 Individually Evaluated for Impairment $ 1,283 $ 671 $ 18,445 $ 13,204 $ 3,198 $ 109 $ 36,910 Collectively Evaluated for Impairment 197,492 79,565 532,864 308,834 220,796 285,434 1,624,985 Total $ 198,775 $ 80,236 $ 551,309 $ 322,038 $ 223,994 $ 285,543 $ 1,661,895 December 31, 2017 Individually Evaluated for Impairment $ 1,378 $ 361 $ 19,280 $ 12,871 $ 3,332 $ 113 $ 37,335 Collectively Evaluated for Impairment 216,788 77,605 516,427 299,035 226,181 280,121 1,616,157 Total $ 218,166 $ 77,966 $ 535,707 $ 311,906 $ 229,513 $ 280,234 $ 1,653,492 March 31, 2017 Individually Evaluated for Impairment $ 1,238 $ 362 $ 23,061 $ 14,699 $ 3,514 $ 145 $ 43,019 Collectively Evaluated for Impairment 213,357 59,576 480,807 290,293 227,786 270,121 1,541,940 Total $ 214,595 $ 59,938 $ 503,868 $ 304,992 $ 231,300 $ 270,266 $ 1,584,959
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 March 31, 2018 Commercial, Financial and Agricultural $ 1,283 $ 114 $ 1,169 $ 182 Real Estate – Construction 671 - 671 114 Real Estate – Commercial Mortgage 18,445 1,389 17,056 1,779 Real Estate – Residential 13,204 1,773 11,431 1,412 Real Estate – Home Equity 3,198 1,419 1,779 389 Consumer 109 42 67 1 Total $ 36,910 $ 4,737 $ 32,173 $ 3,877 December 31, 2017 Commercial, Financial and Agricultural $ 1,378 $ 118 $ 1,260 $ 215 Real Estate – Construction 361 297 64 1 Real Estate – Commercial Mortgage 19,280 1,763 17,517 2,165 Real Estate – Residential 12,871 1,516 11,355 1,220 Real Estate – Home Equity 3,332 1,157 2,175 515 Consumer 113 45 68 1 Total $ 37,335 $ 4,896 $ 32,439 $ 4,117
Schedule of Average recorded investment and interest income recognized by class of impaired loans	Three Months Ended March 31, 2018 2017 Average Total Average Total Recorded Interest Recorded Interest (Dollars in Thousands) Investment Income Investment Income Commercial, Financial and Agricultural $ 1,330 $ 29 $ 1,140 $ 12 Real Estate – Construction 517 1 305 - Real Estate – Commercial Mortgage 18,862 175 23,458 223 Real Estate – Residential 13,038 148 15,147 180 Real Estate – Home Equity 3,265 26 3,445 27 Consumer 111 2 159 2 Total $ 37,123 $ 381 $ 43,654 $ 444
Schedule of risk category of loans by segment	Commercial, Financial, Total Criticized (Dollars in Thousands) Agriculture Real Estate Consumer Loans March 31, 2018 Special Mention $ 3,937 $ 12,779 $ 62 $ 16,778 Substandard 1,050 30,173 486 31,709 Doubtful - - - - Total Criticized Loans $ 4,987 $ 42,952 $ 548 $ 48,487 December 31, 2017 Special Mention $ 7,879 $ 13,324 $ 65 $ 21,268 Substandard 1,057 29,291 654 31,002 Doubtful - - - - Total Criticized Loans $ 8,936 $ 42,615 $ 719 $ 52,270
Schedule of troubled debt restructurings loans	March 31, 2018 December 31, 2017 (Dollars in Thousands) Accruing Nonaccruing Accruing Nonaccruing Commercial, Financial and Agricultural $ 802 $ 230 $ 822 $ - Real Estate – Construction 63 - 64 - Real Estate – Commercial Mortgage 16,712 1,351 17,058 1,636 Real Estate – Residential 11,451 548 11,666 503 Real Estate – Home Equity 2,336 102 2,441 186 Consumer 108 - 113 - Total TDRs $ 31,472 $ 2,231 $ 32,164 $ 2,325
Schedule of loans classified as TDRs	Three Months Ended March 31, Three Months Ended March 31, 2018 2017 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 1 $ 497 $ 230 - $ - $ - Real Estate – Construction - - - 1 64 65 Real Estate – Commercial Mortgage 1 228 228 - - - Real Estate – Home Equity - - - 1 56 55 Consumer - - - - - - Total TDRs 2 $ 725 $ 458 2 $ 120 $ 120
Schedule of loans modified as TDRs information	Three Months Ended March 31, Three Months Ended March 31, 2018 2017 Number of Recorded Number of Recorded (Dollars in Thousands) Contracts Investment (1) Contracts Investment (1) Extended amortization 1 $ 228 - $ - Interest rate adjustment - - 2 120 Extended amortization and interest rate adjustment - - - - Principal Moratorium 1 230 - - Other - - - - Total TDRs 2 $ 458 2 $ 120

OTHER REAL ESTATE OWNED (Tables

OTHER REAL ESTATE OWNED (Tables)	3 Months Ended
	Mar. 31, 2018
Other Real Estate [Abstract]
Schedule of other real estate owned activity	Three Months Ended March 31, (Dollars in Thousands) 2018 2017 Beginning Balance $ 3,941 $ 10,638 Additions 307 1,541 Valuation Write-downs (494) (494) Sales (424) (2,111) Other - (73) Ending Balance $ 3,330 $ 9,501
Schedule of net expenses	Net expenses applicable to other real estate owned include the following: Three Months Ended March 31, (Dollars in Thousands) 2018 2017 Gains from the Sale of Properties $ (28) $ (106) Losses from the Sale of Properties 88 102 Rental Income from Properties (3) (32) Property Carrying Costs 75 125 Valuation Adjustments 494 494 Total $ 626 $ 583

EMPLOYEE BENEFIT PLANS (Tables)

EMPLOYEE BENEFIT PLANS (Tables)	3 Months Ended
	Mar. 31, 2018
Compensation and Retirement Disclosure [Abstract]
Schedule of expected benefit payments related to the defined benefit pension plan	Three Months Ended March 31, (Dollars in Thousands) 2018 2017 Service Cost $ 1,721 $ 1,688 Interest Cost 1,415 1,437 Expected Return on Plan Assets (2,391) (2,006) Prior Service Cost Amortization 50 56 Net Loss Amortization 918 953 Net Periodic Benefit Cost $ 1,713 $ 2,128 Discount Rate Used for Benefit Cost 3.71% 4.21% Long-term Rate of Return on Assets 7.25% 7.25%
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 March 31, (Dollars in Thousands) 2018 2017 Interest Cost $ 57 $ 48 Net Loss Amortization 406 149 Net Periodic Benefit Cost $ 463 $ 197 Discount Rate Used for Benefit Cost 3.53% 3.92%

COMMITMENTS AND CONTINGENCIES (

COMMITMENTS AND CONTINGENCIES (Tables)	3 Months Ended
	Mar. 31, 2018
Commitments and Contingencies Disclosure [Abstract]
Schedule of amounts associated with the entities off-balance sheet obligations	March 31, 2018 December 31, 2017 (Dollars in Thousands) Fixed Variable Total Fixed Variable Total Commitments to Extend Credit (1) $ 85,979 $ 387,437 $ 473,416 $ 78,390 $ 366,750 $ 445,140 Standby Letters of Credit 4,727 - 4,727 4,678 - 4,678 Total $ 90,706 $ 387,437 $ 478,143 $ 83,068 $ 366,750 $ 449,818

FAIR VALUE MEASUREMENTS (Tables

FAIR VALUE MEASUREMENTS (Tables)	3 Months Ended
	Mar. 31, 2018
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 March 31, 2018 Securities Available for Sale: U.S. Government Treasury $ 237,577 $ - $ - $ 237,577 U.S. Government Agency - 149,071 - 149,071 States and Political Subdivisions - 76,143 - 76,143 Mortgage-Backed Securities - 1,159 - 1,159 Equity Securities - 7,886 - 7,886 December 31, 2017 Securities Available for Sale: U.S. Government Treasury $ 235,341 $ - $ - $ 235,341 U.S. Government Agency - 144,644 - 144,644 States and Political Subdivisions - 91,157 - 91,157 Mortgage-Backed Securities - 1,185 - 1,185 Equity Securities - 8,584 - 8,584
Schedule of financial instruments with estimated fair values	March 31, 2018 Carrying Level 1 Level 2 Level 3 (Dollars in Thousands) Value Inputs Inputs Inputs ASSETS: Cash $ 47,804 $ 47,804 $ - $ - Short-Term Investments 250,821 250,821 - - Investment Securities, Available for Sale 471,836 237,577 234,259 - Investment Securities, Held to Maturity 225,552 77,520 144,690 - Equity Securities (1) 3,600 - 3,600 - Loans Held for Sale 4,845 - 4,845 - Loans, Net of Allowance for Loan Losses 1,648,637 - - 1,617,733 LIABILITIES: Deposits $ 2,498,884 $ - $ 2,497,022 $ - Short-Term Borrowings 4,893 - 4,893 - Subordinated Notes Payable 52,887 - 43,912 - Long-Term Borrowings 13,333 - 13,363 - December 31, 2017 Carrying Level 1 Level 2 Level 3 (Dollars in Thousands) Value Inputs Inputs Inputs ASSETS: Cash $ 58,419 $ 58,419 $ - $ - Short-Term Investments 227,023 227,023 - - Investment Securities, Available for Sale 480,911 235,341 245,570 - Investment Securities, Held to Maturity 216,679 97,815 117,192 - Loans Held for Sale 4,817 - 4,817 - Loans, Net of Allowance for Loan Losses 1,640,185 - - 1,625,310 LIABILITIES: Deposits $ 2,469,877 $ - $ 2,382,818 $ - Short-Term Borrowings 7,480 - 7,482 - Subordinated Notes Payable 52,887 - 41,718 - Long-Term Borrowings 13,967 - 14,081 -

OTHER COMPREHENSIVE INCOME (LOS

OTHER COMPREHENSIVE INCOME (LOSS) (Tables)	3 Months Ended
	Mar. 31, 2018
Equity [Abstract]
Schedule of other comprehensive income loss	Before Tax Net of Tax (Expense) Tax (Dollars in Thousands) Amount Benefit Amount March 31, 2018 Investment Securities: Change in net unrealized gain/loss on securities available for sale $ (1,488) $ 377 $ (1,111) Amortization of losses on securities transferred from available for sale to held to maturity 15 (4) 11 Total Other Comprehensive Loss $ (1,473) $ 373 $ (1,100) March 31, 2017 Investment Securities: Change in net unrealized gain/loss on securities available for sale $ 505 $ (196) $ 309 Amortization of losses on securities transferred from available for sale to held to maturity 20 (8) 12 Total Other Comprehensive Income $ 525 $ (204) $ 321
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, 2018 $ (1,743) $ (30,301) $ (32,044) Other comprehensive income during the period (1,100) - (1,100) Balance as of March 31, 2018 $ (2,843) $ (30,301) $ (33,144) Balance as of January 1, 2017 $ (583) $ (25,642) $ (26,225) Other comprehensive income during the period 321 - 321 Balance as of March 31, 2017 $ (262) $ (25,642) $ (25,904)

INVESTMENT SECURITIES (Details)

INVESTMENT SECURITIES (Details) - USD ($)		Mar. 31, 2018	Dec. 31, 2017
Available-for-sale
Amortized Cost		$ 475,461,000	$ 483,048,000
Unrealized Gains		749,000	812,000
Unrealized Losses		4,374,000	2,949,000
Market Value		471,836,000	480,911,000
Held to Maturity
Amortized Cost		225,552,000	216,679,000
Unrealized Gains		39,000	22,000
Unrealized Losses		3,381,000	1,694,000
Market Value		222,210,000	215,007,000
Total
Amortized Cost		701,013,000	699,727,000
Unrealized Gain		788,000	834,000
Unrealized Loss		7,755,000	4,643,000
Fair Value		694,046,000	695,918,000
U.S. Government Treasury [Member]
Available-for-sale
Amortized Cost		240,933,000	237,505,000
Unrealized Gains		5,000	0
Unrealized Losses		3,361,000	2,164,000
Market Value		237,577,000	235,341,000
U.S. Government Agency [Member]
Available-for-sale
Amortized Cost		149,074,000	144,324,000
Unrealized Gains		667,000	727,000
Unrealized Losses		670,000	407,000
Market Value		149,071,000	144,644,000
States and Political Subdivisions [Member]
Available-for-sale
Amortized Cost		76,486,000	91,533,000
Unrealized Gains		0	2,000
Unrealized Losses		343,000	378,000
Market Value		76,143,000	91,157,000
Mortgage-Backed Securities [Member]
Available-for-sale
Amortized Cost		1,082,000	1,102,000
Unrealized Gains		77,000	83,000
Unrealized Losses		0	0
Market Value		1,159,000	1,185,000
Equity Securities [Member]
Available-for-sale
Amortized Cost	[1]	7,886,000	8,584,000
Unrealized Gains		0	0
Unrealized Losses		0	0
Market Value	[1]	7,886,000	8,584,000
Federal Home Loan Bank		3,100,000	3,100,000
Federal Reserve Bank stock		4,800,000	4,800,000
FNBB, Inc. stock			800,000
U.S. Government Treasury [Member]
Held to Maturity
Amortized Cost		78,184,000	98,256,000
Unrealized Gains		0	0
Unrealized Losses		664,000	441,000
Market Value		77,520,000	97,815,000
U.S. Government Agency [Member]
Held to Maturity
Amortized Cost		0	0
Unrealized Gains		0	0
Unrealized Losses		0	0
Market Value		0	0
States and Political Subdivisions [Member]
Held to Maturity
Amortized Cost		6,940,000	6,996,000
Unrealized Gains		0	0
Unrealized Losses		42,000	41,000
Market Value		6,898,000	6,955,000
Mortgage-Backed Securities [Member]
Held to Maturity
Amortized Cost		140,428,000	111,427,000
Unrealized Gains		39,000	22,000
Unrealized Losses		2,675,000	1,212,000
Market Value		$ 137,792,000	$ 110,237,000
[1]	Includes Federal Home Loan Bank and Federal Reserve Bank stock, recorded at cost of $3.1 million, $4.8 million, respectively, at March 31, 2018 and includes Federal Home Loan Bank, Federal Reserve Bank and FNBB Inc. stock recorded at cost of $3.1 million, $4.8 million, and $0.8 million, respectively, at December 31, 2017 .

INVESTMENT SECURITIES (Maturity

INVESTMENT SECURITIES (Maturity Distribution) (Details) - USD ($)	Mar. 31, 2018	Dec. 31, 2017
Amortized Cost
Due in one year or less	$ 85,838,000
Due after one through five years	265,050,000
Total Investment Securities	475,461,000
Market Value
Due in one year or less	85,522,000
Due after one through five years	261,329,000
Total Investment Securities	471,836,000
Amortized Cost
Due in one year or less	43,838,000
Due after one through five years	41,286,000
Total Investment Securities	225,552,000	$ 216,679,000
Market Value
Due in one year or less	43,763,000
Due after one through five years	40,655,000
Total Investment Securities	222,210,000	215,007,000
Mortgage-Backed Securities [Member]
Amortized Cost
Due without single maturity date	1,082,000
Market Value
Due without single maturity date	1,159,000
U.S. Government Agency [Member]
Amortized Cost
Due without single maturity date	115,605,000
Market Value
Due without single maturity date	115,940,000
Equity Securities [Member]
Amortized Cost
Due without single maturity date	7,886,000
Market Value
Due without single maturity date	7,886,000
Mortgage-Backed Securities [Member]
Amortized Cost
Due without single maturity date	140,428,000
Total Investment Securities	140,428,000	111,427,000
Market Value
Due without single maturity date	137,792,000
Total Investment Securities	137,792,000	110,237,000
U.S. Government Agency [Member]
Amortized Cost
Due without single maturity date	0
Total Investment Securities	0	0
Market Value
Due without single maturity date	0
Total Investment Securities	$ 0	$ 0

INVESTMENT SECURITIES (Unrealiz

INVESTMENT SECURITIES (Unrealized Losses on Investment Securities) (Details) - USD ($)	Mar. 31, 2018	Dec. 31, 2017
Available-for-sale securities
Less Than 12 Months, Fair Value	$ 263,429,000	$ 284,181,000
Less Than 12 Months, Unrealized Losses	2,485,000	1,433,000
12 Months Or Longer, Fair Value	121,386,000	111,206,000
12 Months Or Longer, Unrealized Losses	1,889,000	1,516,000
Total Fair Value	384,815,000	395,387,000
Total Unrealized Losses	4,374,000	2,949,000
Held-to-maturity debt securities
Less Than 12 Months, Fair Value	148,634,000	140,846,000
Less Than 12 Months, Unrealized Losses	2,056,000	808,000
12 Months Or Longer, Fair Value	58,124,000	45,155,000
12 Months Or Longer, Unrealized Losses	1,325,000	886,000
Total Fair Value	206,758,000	186,001,000
Total Unrealized Losses	3,381,000	1,694,000
U.S. Government Treasury [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	139,880,000	155,443,000
Less Than 12 Months, Unrealized Losses	1,820,000	963,000
12 Months Or Longer, Fair Value	87,734,000	79,900,000
12 Months Or Longer, Unrealized Losses	1,541,000	1,201,000
Total Fair Value	227,614,000	235,343,000
Total Unrealized Losses	3,361,000	2,164,000
U.S. Government Agency [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	55,536,000	45,737,000
Less Than 12 Months, Unrealized Losses	376,000	150,000
12 Months Or Longer, Fair Value	28,120,000	25,757,000
12 Months Or Longer, Unrealized Losses	294,000	257,000
Total Fair Value	83,656,000	71,494,000
Total Unrealized Losses	670,000	407,000
States and Political Subdivisions [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	68,011,000	82,999,000
Less Than 12 Months, Unrealized Losses	289,000	320,000
12 Months Or Longer, Fair Value	5,532,000	5,549,000
12 Months Or Longer, Unrealized Losses	54,000	58,000
Total Fair Value	73,543,000	88,548,000
Total Unrealized Losses	343,000	378,000
Mortgage-Backed Securities [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	2,000	2,000
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	2,000	2,000
Total Unrealized Losses	0	0
U.S. Government Treasury [Member]
Held-to-maturity debt securities
Less Than 12 Months, Fair Value	47,622,000	77,861,000
Less Than 12 Months, Unrealized Losses	454,000	298,000
12 Months Or Longer, Fair Value	29,898,000	14,939,000
12 Months Or Longer, Unrealized Losses	210,000	143,000
Total Fair Value	77,520,000	92,800,000
Total Unrealized Losses	664,000	441,000
U.S. Government Agency [Member]
Held-to-maturity debt 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
States and Political Subdivisions [Member]
Held-to-maturity debt securities
Less Than 12 Months, Fair Value	6,633,000	6,955,000
Less Than 12 Months, Unrealized Losses	42,000	41,000
12 Months Or Longer, Fair Value	0	0
12 Months Or Longer, Unrealized Losses	0	0
Total Fair Value	6,633,000	6,955,000
Total Unrealized Losses	42,000	41,000
Mortgage-Backed Securities [Member]
Held-to-maturity debt securities
Less Than 12 Months, Fair Value	94,379,000	56,030,000
Less Than 12 Months, Unrealized Losses	1,560,000	469,000
12 Months Or Longer, Fair Value	28,226,000	30,216,000
12 Months Or Longer, Unrealized Losses	1,115,000	743,000
Total Fair Value	122,605,000	86,246,000
Total Unrealized Losses	$ 2,675,000	$ 1,212,000

INVESTMENT SECURITIES (Narrativ

INVESTMENT SECURITIES (Narrative) (Details)	Mar. 31, 2018USD ($)Investment_Positions	Dec. 31, 2017USD ($)
Investments, Debt and Equity Securities [Abstract]
Securities pledged to secure public deposits | $	$ 328,300,000	$ 328,100,000
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	538
Available-for-sale Securities and Held-To-Maturity, Continuous Unrealized Loss Position Fair Value, Total | $	$ 7,800,000
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, Total	156
U.S. Government Treasury [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	63
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, Total	80
U.S.Government Sponsored Enterprises 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	239

LOANS, NET (Portfolio Compositi

LOANS, NET (Portfolio Composition) (Details) - USD ($)		Mar. 31, 2018	Dec. 31, 2017	Mar. 31, 2017
Loan Portfolio Composition
Loans and Leases Receivable, Net of Deferred Income		$ 1,661,895,000	$ 1,653,492,000
Net deferred fees		1,400,000	1,500,000
Commercial, Financial and Agricultural [Member]
Loan Portfolio Composition
Loans and Leases Receivable, Net of Deferred Income		198,775,000	218,166,000
Real Estate - Construction [Member]
Loan Portfolio Composition
Loans and Leases Receivable, Net of Deferred Income		80,236,000	77,966,000
Real Estate - Commercial Mortgage [Member]
Loan Portfolio Composition
Loans and Leases Receivable, Net of Deferred Income		551,309,000	535,707,000
Real Estate - Residential [Member]
Loan Portfolio Composition
Loans and Leases Receivable, Net of Deferred Income	[1]	322,038,000	311,906,000
Loans in Process with outstanding balances		15,900,000	9,100,000
Real Estate - Home Equity [Member]
Loan Portfolio Composition
Loans and Leases Receivable, Net of Deferred Income		223,994,000	229,513,000
Consumer [Member]
Loan Portfolio Composition
Loans and Leases Receivable, Net of Deferred Income		285,543,000	$ 280,234,000
Overdraft Balances		$ 1,200,000		$ 1,600,000
[1]	Includes loans in process with outstanding balances of $ 15.9 million and $ 9.1 million at March 31, 2018 and December 31, 2017 , respectively.

LOANS, NET (Recorded Investment

LOANS, NET (Recorded Investment In Nonaccrual and Past Due Loans(Details) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017
Recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans
Nonaccrual	$ 7,314	$ 7,159
Total Past Due	4,268	4,579
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	36
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	567	629
Total Past Due	274	142
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	608	297
Total Past Due	162	811
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	1,940	2,370
Total Past Due	1,277	632
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	2,398	1,938
Total Past Due	1,285	1,147
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	1,686	1,748
Total Past Due	235	82
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	115	177
Total Past Due	1,035	1,765
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	$ 36

LOANS, NET (Loan Portfolio Agin

LOANS, NET (Loan Portfolio Aging) (Details) - USD ($) $ in Thousands		Mar. 31, 2018	Dec. 31, 2017
Aging of the recorded investment in past due loans by class of loans
Total Past Due		$ 4,268	$ 4,579
Total Current		1,650,313	1,641,754
Total Loans		1,661,895	1,653,492
30-59 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		2,823	3,432
60-89 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		1,445	1,111
90 +DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		0	36
Commercial, Financial and Agricultural [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		274	142
Total Current		197,934	217,395
Total Loans		198,775	218,166
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		125	87
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		149	55
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		162	811
Total Current		79,466	76,858
Total Loans		80,236	77,966
Real Estate - Construction [Member] | 30-59 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		162	811
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		1,277	632
Total Current		548,092	532,705
Total Loans		551,309	535,707
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		360	437
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		917	195
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		1,285	1,147
Total Current		318,355	308,821
Total Loans	[1]	322,038	311,906
Real Estate - Residential [Member] | 30-59 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		1,252	701
Real Estate - Residential [Member] | 60-89 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		33	446
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		235	82
Total Current		222,073	227,683
Total Loans		223,994	229,513
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		234	80
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		1	2
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		1,035	1,765
Total Current		284,393	278,292
Total Loans		285,543	280,234
Consumer [Member] | 30-59 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		690	1,316
Consumer [Member] | 60-89 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		345	413
Consumer [Member] | 90 +DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		$ 0	$ 36
[1]	Includes loans in process with outstanding balances of $ 15.9 million and $ 9.1 million at March 31, 2018 and December 31, 2017 , respectively.

LOANS, NET (Allowance for Loan

LOANS, NET (Allowance for Loan Losses) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Activity in the allowance for loan losses by portfolio class
Beginning Balance	$ 13,307	$ 13,431
Provision for Loan Losses	745	310
Charge-Offs	(1,439)	(996)
Recoveries	645	590
Net Charge-Offs	(794)	(406)
Ending Balance	13,258	13,335
Commercial, Financial and Agricultural [Member]
Activity in the allowance for loan losses by portfolio class
Beginning Balance	1,191	1,198
Provision for Loan Losses	(44)	(36)
Charge-Offs	(182)	(93)
Recoveries	166	81
Net Charge-Offs	(16)	(12)
Ending Balance	1,131	1,150
Real Estate - Construction [Member]
Activity in the allowance for loan losses by portfolio class
Beginning Balance	122	168
Provision for Loan Losses	128	(68)
Charge-Offs	(7)	0
Recoveries	1	0
Net Charge-Offs	(6)	0
Ending Balance	244	100
Real Estate - Commercial Mortgage [Member]
Activity in the allowance for loan losses by portfolio class
Beginning Balance	4,346	4,315
Provision for Loan Losses	(126)	(187)
Charge-Offs	(290)	(71)
Recoveries	123	23
Net Charge-Offs	(167)	(48)
Ending Balance	4,053	4,080
Real Estate - Residential [Member]
Activity in the allowance for loan losses by portfolio class
Beginning Balance	3,206	3,445
Provision for Loan Losses	180	(166)
Charge-Offs	(107)	(116)
Recoveries	84	213
Net Charge-Offs	(23)	97
Ending Balance	3,363	3,376
Real Estate - Home Equity [Member]
Activity in the allowance for loan losses by portfolio class
Beginning Balance	2,506	2,297
Provision for Loan Losses	(90)	288
Charge-Offs	(158)	(92)
Recoveries	61	29
Net Charge-Offs	(97)	(63)
Ending Balance	2,319	2,522
Consumer [Member]
Activity in the allowance for loan losses by portfolio class
Beginning Balance	1,936	2,008
Provision for Loan Losses	697	479
Charge-Offs	(695)	(624)
Recoveries	210	244
Net Charge-Offs	(485)	(380)
Ending Balance	$ 2,148	$ 2,107

LOANS, NET (Allowance for Loa34

LOANS, NET (Allowance for Loan Losses by Impairment Methodology) (Details) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017	Mar. 31, 2017
Period-end amount allocated to:
Loans Individually Evaluated for Impairment	$ 3,877	$ 4,117	$ 4,058
Loans Collectively Evaluated for Impairment	9,381	9,190	9,277
Ending Balance	13,258	13,307	13,335
Commercial, Financial and Agricultural [Member]
Period-end amount allocated to:
Loans Individually Evaluated for Impairment	182	215	94
Loans Collectively Evaluated for Impairment	949	976	1,056
Ending Balance	1,131	1,191	1,150
Real Estate - Construction [Member]
Period-end amount allocated to:
Loans Individually Evaluated for Impairment	114	1	2
Loans Collectively Evaluated for Impairment	130	121	98
Ending Balance	244	122	100
Real Estate - Commercial Mortgage [Member]
Period-end amount allocated to:
Loans Individually Evaluated for Impairment	1,779	2,165	2,027
Loans Collectively Evaluated for Impairment	2,274	2,181	2,053
Ending Balance	4,053	4,346	4,080
Real Estate - Residential [Member]
Period-end amount allocated to:
Loans Individually Evaluated for Impairment	1,412	1,220	1,486
Loans Collectively Evaluated for Impairment	1,951	1,986	1,890
Ending Balance	3,363	3,206	3,376
Real Estate - Home Equity [Member]
Period-end amount allocated to:
Loans Individually Evaluated for Impairment	389	515	445
Loans Collectively Evaluated for Impairment	1,930	1,991	2,077
Ending Balance	2,319	2,506	2,522
Consumer [Member]
Period-end amount allocated to:
Loans Individually Evaluated for Impairment	1	1	4
Loans Collectively Evaluated for Impairment	2,147	1,935	2,103
Ending Balance	$ 2,148	$ 1,936	$ 2,107

LOANS, NET (Loan Balances by Im

LOANS, NET (Loan Balances by Impairment Methodology) (Details) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017	Mar. 31, 2017
Recorded investment in loans related to each balance in the allowance for loan losses
Individually Evaluated for Impairment	$ 36,910	$ 37,335	$ 43,019
Financing Receivable, Collectively Evaluated for Impairment	1,624,985	1,616,157	1,541,940
Total	1,661,895	1,653,492	1,584,959
Commercial, Financial and Agricultural [Member]
Recorded investment in loans related to each balance in the allowance for loan losses
Individually Evaluated for Impairment	1,283	1,378	1,238
Financing Receivable, Collectively Evaluated for Impairment	197,492	216,788	213,357
Total	198,775	218,166	214,595
Real Estate - Construction [Member]
Recorded investment in loans related to each balance in the allowance for loan losses
Individually Evaluated for Impairment	671	361	362
Financing Receivable, Collectively Evaluated for Impairment	79,565	77,605	59,576
Total	80,236	77,966	59,938
Real Estate - Commercial Mortgage [Member]
Recorded investment in loans related to each balance in the allowance for loan losses
Individually Evaluated for Impairment	18,445	19,280	23,061
Financing Receivable, Collectively Evaluated for Impairment	532,864	516,427	480,807
Total	551,309	535,707	503,868
Real Estate - Residential [Member]
Recorded investment in loans related to each balance in the allowance for loan losses
Individually Evaluated for Impairment	13,204	12,871	14,699
Financing Receivable, Collectively Evaluated for Impairment	308,834	299,035	290,293
Total	322,038	311,906	304,992
Real Estate - Home Equity [Member]
Recorded investment in loans related to each balance in the allowance for loan losses
Individually Evaluated for Impairment	3,198	3,332	3,514
Financing Receivable, Collectively Evaluated for Impairment	220,796	226,181	227,786
Total	223,994	229,513	231,300
Consumer [Member]
Recorded investment in loans related to each balance in the allowance for loan losses
Individually Evaluated for Impairment	109	113	145
Financing Receivable, Collectively Evaluated for Impairment	285,434	280,121	270,121
Total	$ 285,543	$ 280,234	$ 270,266

LOANS, NET (Impaired Loans) (De

LOANS, NET (Impaired Loans) (Details) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017
Impaired Financing Receivable Recorded Investment [Abstract]
Unpaid Principal Balance	$ 36,910	$ 37,335
Recorded Investment With No Allowance	4,737	4,896
Recorded Investment With Allowance	32,173	32,439
Related Allowance	3,877	4,117
Commercial, Financial and Agricultural [Member]
Impaired Financing Receivable Recorded Investment [Abstract]
Unpaid Principal Balance	1,283	1,378
Recorded Investment With No Allowance	114	118
Recorded Investment With Allowance	1,169	1,260
Related Allowance	182	215
Real Estate - Construction [Member]
Impaired Financing Receivable Recorded Investment [Abstract]
Unpaid Principal Balance	671	361
Recorded Investment With No Allowance	0	297
Recorded Investment With Allowance	671	64
Related Allowance	114	1
Real Estate - Commercial Mortgage [Member]
Impaired Financing Receivable Recorded Investment [Abstract]
Unpaid Principal Balance	18,445	19,280
Recorded Investment With No Allowance	1,389	1,763
Recorded Investment With Allowance	17,056	17,517
Related Allowance	1,779	2,165
Real Estate - Residential [Member]
Impaired Financing Receivable Recorded Investment [Abstract]
Unpaid Principal Balance	13,204	12,871
Recorded Investment With No Allowance	1,773	1,516
Recorded Investment With Allowance	11,431	11,355
Related Allowance	1,412	1,220
Real Estate - Home Equity [Member]
Impaired Financing Receivable Recorded Investment [Abstract]
Unpaid Principal Balance	3,198	3,332
Recorded Investment With No Allowance	1,419	1,157
Recorded Investment With Allowance	1,779	2,175
Related Allowance	389	515
Consumer [Member]
Impaired Financing Receivable Recorded Investment [Abstract]
Unpaid Principal Balance	109	113
Recorded Investment With No Allowance	42	45
Recorded Investment With Allowance	67	68
Related Allowance	$ 1	$ 1

LOANS, NET (Impaired Loans Aver

LOANS, NET (Impaired Loans Average Investment and Interest Income) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
ImpairedFinancingReceivableAverageRecordedInvestmentAbstract
Average Recorded Investment	$ 37,123	$ 43,654
Total Interest Income	381	444
Commercial, Financial and Agricultural [Member]
ImpairedFinancingReceivableAverageRecordedInvestmentAbstract
Average Recorded Investment	1,330	1,140
Total Interest Income	29	12
Real Estate - Construction [Member]
ImpairedFinancingReceivableAverageRecordedInvestmentAbstract
Average Recorded Investment	517	305
Total Interest Income	1	0
Real Estate - Commercial Mortgage [Member]
ImpairedFinancingReceivableAverageRecordedInvestmentAbstract
Average Recorded Investment	18,862	23,458
Total Interest Income	175	223
Real Estate - Residential [Member]
ImpairedFinancingReceivableAverageRecordedInvestmentAbstract
Average Recorded Investment	13,038	15,147
Total Interest Income	148	180
Real Estate - Home Equity [Member]
ImpairedFinancingReceivableAverageRecordedInvestmentAbstract
Average Recorded Investment	3,265	3,445
Total Interest Income	26	27
Consumer [Member]
ImpairedFinancingReceivableAverageRecordedInvestmentAbstract
Average Recorded Investment	111	159
Total Interest Income	$ 2	$ 2

LOANS, NET (Risk Category by Lo

LOANS, NET (Risk Category by Loan Segment) (Details) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	$ 1,661,895	$ 1,653,492
Commercial, Financial and Agricultural [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	198,775	218,166
Real Estate [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	42,952	42,615
Consumer [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	285,543	280,234
Criticized [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	48,487	52,270
Criticized [Member] | Commercial, Financial and Agricultural [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	4,987	8,936
Criticized [Member] | Real Estate [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	42,952	42,615
Criticized [Member] | Consumer [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	548	719
Special Mention [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	16,778	21,268
Special Mention [Member] | Commercial, Financial and Agricultural [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	3,937	7,879
Special Mention [Member] | Real Estate [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	12,779	13,324
Special Mention [Member] | Consumer [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	62	65
Substandard [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	31,709	31,002
Substandard [Member] | Commercial, Financial and Agricultural [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	1,050	1,057
Substandard [Member] | Real Estate [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	30,173	29,291
Substandard [Member] | Consumer [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	486	654
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	Mar. 31, 2018	Dec. 31, 2017
Financing Receivable, Modifications [Line Items]
Accruing	$ 31,472	$ 32,164
Nonaccruing	2,231	2,325
Commercial, Financial and Agricultural [Member]
Financing Receivable, Modifications [Line Items]
Accruing	802	822
Nonaccruing	230	0
Real Estate - Construction [Member]
Financing Receivable, Modifications [Line Items]
Accruing	63	64
Nonaccruing	0	0
Real Estate - Commercial Mortgage [Member]
Financing Receivable, Modifications [Line Items]
Accruing	16,712	17,058
Nonaccruing	1,351	1,636
Real Estate - Residential [Member]
Financing Receivable, Modifications [Line Items]
Accruing	11,451	11,666
Nonaccruing	548	503
Real Estate - Home Equity [Member]
Financing Receivable, Modifications [Line Items]
Accruing	2,336	2,441
Nonaccruing	102	186
Consumer [Member]
Financing Receivable, Modifications [Line Items]
Accruing	108	113
Nonaccruing	$ 0	$ 0

LOANS, NET (Modified Troubled D

LOANS, NET (Modified Troubled Debt Restructurings) (Details) $ in Thousands		3 Months Ended
		Mar. 31, 2018USD ($)Contracts	Mar. 31, 2017USD ($)Contracts
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts		2	2
Pre-Modified Recorded Investment		$ 725	$ 120
Post-Modified Recorded Investment	[1]	$ 458	$ 120
Commercial, Financial and Agricultural [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts		1	0
Pre-Modified Recorded Investment		$ 497	$ 0
Post-Modified Recorded Investment		$ 230	$ 0
Real Estate - Construction [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts		0	1
Pre-Modified Recorded Investment		$ 0	$ 64
Post-Modified Recorded Investment		$ 0	$ 65
Real Estate - Commercial Mortgage [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts		1	0
Pre-Modified Recorded Investment		$ 228	$ 0
Post-Modified Recorded Investment		$ 228	$ 0
Real Estate - Residential [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts		0	0
Pre-Modified Recorded Investment		$ 0	$ 0
Post-Modified Recorded Investment		$ 0	$ 0
Real Estate - Home Equity [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts		0	1
Pre-Modified Recorded Investment		$ 0	$ 56
Post-Modified Recorded Investment		$ 0	$ 55
Consumer [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts		0	0
Pre-Modified Recorded Investment		$ 0	$ 0
Post-Modified Recorded Investment		$ 0	$ 0
[1]	Recorded investment reflects charge-offs and additional funds advanced at time of restructure, if applicable.

LOANS, NET (Method of Troubled

LOANS, NET (Method of Troubled Debt Restructuring Modifications) (Details) $ in Thousands		3 Months Ended
		Mar. 31, 2018USD ($)Contracts	Mar. 31, 2017USD ($)Contracts
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts		2	2
Post-Modified Recorded Investment | $	[1]	$ 458	$ 120
Extended Amortization [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts		1	0
Post-Modified Recorded Investment | $	[1]	$ 228	$ 0
Interest Rate Adjustment [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts		0	2
Post-Modified Recorded Investment | $	[1]	$ 0	$ 120
Extended Amortization And Interest Rate Adjustment [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts		0	0
Post-Modified Recorded Investment | $	[1]	$ 0	$ 0
Other [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts		0	0
Post-Modified Recorded Investment | $	[1]	$ 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
	Mar. 31, 2018	Mar. 31, 2017
Other Real Estate [Roll Forward]
Beginning Balance	$ 3,941	$ 10,638
Additions	307	1,541
Valuation Write-Downs	(494)	(494)
Sales	(424)	(2,111)
Other	0	(73)
Ending Balance	$ 3,330	$ 9,501

OTHER REAL ESTATE OWNED (Othe43

OTHER REAL ESTATE OWNED (Other Real Estate Owned Net Expenses) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Other Real Estate [Abstract]
Gains from the Sale of Properties	$ (28)	$ (106)
Losses from the Sale of Properties	88	102
Rental Income from Properties	(3)	(32)
Property Carrying Costs	75	125
Valuation Adjustments	494	494
Total	$ 626	$ 583

EMPLOYEE BENEFIT PLANS (Details

EMPLOYEE BENEFIT PLANS (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Defined Benefit Pension Plan [Member]
Components of Net Periodic Benefit Costs:
Service Cost	$ 1,721	$ 1,688
Interest Cost	1,415	1,437
Expected Return on Plan Assets	(2,391)	(2,006)
Prior Service Cost Amortization	50	56
Net Gain (Loss) Amortization	918	953
Net Periodic Benefit Cost (Income)	$ 1,713	$ 2,128
Discount Rate (in percent)	3.71%	4.21%
Long-Term Rate of Return on Assets (in percent)	7.25%	7.25%
Supplemental Executive Retirement Plan [Member]
Components of Net Periodic Benefit Costs:
Interest Cost	$ 57	$ 48
Net Gain (Loss) Amortization	406	149
Net Periodic Benefit Cost (Income)	$ 463	$ 197
Discount Rate (in percent)	3.53%	3.92%

COMMITMENTS AND CONTINGENCIES45

COMMITMENTS AND CONTINGENCIES (Details) - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017
Loss Contingencies [Line Items]
Fixed	$ 90,706	$ 83,068
Variable	387,437	366,750
Total	478,143	449,818
Commitments to Extend Credit [Member]
Loss Contingencies [Line Items]
Fixed	85,979	78,390
Variable	387,437	366,750
Total	473,416	445,140
Standby Letters of Credit [Member]
Loss Contingencies [Line Items]
Fixed	4,727	4,678
Variable	0	0
Total	$ 4,727	$ 4,678

FAIR VALUE MEASUREMENTS (Detail

FAIR VALUE MEASUREMENTS (Details) - Fair Value, Measurements, Recurring [Member] - USD ($) $ in Thousands	Mar. 31, 2018	Dec. 31, 2017
U.S. Government Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure	$ 237,577	$ 235,341
U.S. Government Agency [Member]
ASSETS:
Assets, Fair Value Disclosure	149,071	144,644
States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	76,143	91,157
Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	1,159	1,185
Equity Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	7,886	8,584
Level 1 Inputs [Member] | U.S. Government Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure	237,577	235,341
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	149,071	144,644
Fair Value, Inputs, Level 2 [Member] | States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	76,143	91,157
Fair Value, Inputs, Level 2 [Member] | Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	1,159	1,185
Fair Value, Inputs, Level 2 [Member] | Equity Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	7,886	8,584
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 ($)	Mar. 31, 2018	Dec. 31, 2017
ASSETS:
Investment Securities, Available for Sale	$ 471,836,000	$ 480,911,000
Investment securities, held to maturity, fair value	222,210,000	215,007,000
Level 1 Inputs [Member]
ASSETS:
Cash	47,804,000	58,419,000
Short-Term Investments	250,821,000	227,023,000
Investment Securities, Available for Sale	237,577,000	235,341,000
Investment Securities, Held to Maturity	77,520,000	97,815,000
Fair Value, Inputs, Level 2 [Member]
ASSETS:
Investment Securities, Available for Sale	234,259,000	245,570,000
Investment Securities, Held to Maturity	144,690,000	117,192,000
Other Investments And Securities At Cost	3,600,000
Loans Held for Sale	4,845,000	4,817,000
LIABILITIES:
Deposits	2,497,022,000	2,382,818,000
Short-Term Borrowings	4,893,000	7,482,000
Subordinated Notes Payable	43,912,000	41,718,000
Long-Term Borrowings	13,363,000	14,081,000
Fair Value, Inputs, Level 3 [Member]
ASSETS:
Loans, Net of Allowance for Loan Losses	1,617,733,000	1,625,310,000
Carrying (Reported) Amount, Fair Value Disclosure [Member]
ASSETS:
Cash	47,804,000	58,419,000
Short-Term Investments	250,821,000	227,023,000
Investment Securities, Available for Sale	471,836,000	480,911,000
Investment Securities, Held to Maturity	225,552,000	216,679,000
Other Investments And Securities At Cost	3,600,000
Loans Held for Sale	4,845,000	4,817,000
Loans, Net of Allowance for Loan Losses	1,648,637,000	1,640,185,000
LIABILITIES:
Deposits	2,498,884,000	2,469,877,000
Short-Term Borrowings	4,893,000	7,480,000
Subordinated Notes Payable	52,887,000	52,887,000
Long-Term Borrowings	$ 13,333,000	$ 13,967,000

OTHER COMPREHENSIVE INCOME (L48

OTHER COMPREHENSIVE INCOME (LOSS) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Investment Securities Before Tax Amount [Abstract]
Change in net unrealized gain/loss on securities available for sale before tax	$ (1,488)	$ 505
Amortization of unrealized losses on securities transferred from available for sale to held to maturity before tax	15	20
Total Investment Securities	(1,473)	525
Investment Securities Tax Expense (Benefit) [Abstract]
Change in net unrealized gain/loss on securities available for sale tax expense (benefit)	377	(196)
Amortization of unrealized losses on securities transferred from available for sale to held to maturity tax expense (benefit)	(4)	(8)
Other comprehensive income (loss), tax expense (benefit)	373	(204)
Investment Securities Net of Tax Amount [Abstract]
Change in net unrealized gain/loss on securities available for sale Net of Tax amount	(1,111)	309
Amortization of unrealized losses on securities transferred from available for sale to held to maturity net of tax	11	12
Total other comprehensive income (loss) Net of Tax	$ (1,100)	$ 321

OTHER COMPREHENSIVE INCOME (L49

OTHER COMPREHENSIVE INCOME (LOSS) (Accumulated Other Comprehensive Income) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Activity in accumulated other comprehensive loss, net of tax
Balance, Begining	$ (32,044)	$ (26,225)
Other comprehensive loss during the period	(1,100)	321
Balance, Ending	(33,144)	(25,904)
Securities Available for Sale [Member]
Activity in accumulated other comprehensive loss, net of tax
Balance, Begining	(1,743)	(583)
Other comprehensive loss during the period	(1,100)	321
Balance, Ending	(2,843)	(262)
Retirement Plans [Member]
Activity in accumulated other comprehensive loss, net of tax
Balance, Begining	(30,301)	(25,642)
Other comprehensive loss during the period	0	0
Balance, Ending	$ (30,301)	$ (25,642)