Capital City Bank (CCBG) 10-Q 3 May 19 2019 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2019	Apr. 30, 2019
Document And Entity Information
Entity Registrant Name	CAPITAL CITY BANK GROUP INC
Entity Central Index Key	0000726601
Document Type	10-Q
Document Period End Date	Mar. 31, 2019
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Entity Small Business	false
Entity Emerging Growth Company	false
Entity's Reporting Status Current	Yes
Entity Filer Category	Accelerated Filer
Entity Common Stock, Shares Outstanding		16,812,485
Document Fiscal Period Focus	Q1
Document Fiscal Year Focus	2019
Trading Symbol	CCBG

CONSOLIDATED STATEMENTS OF FINA

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Unaudited) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
ASSETS
Cash and Due From Banks	$ 49,501	$ 62,032
Federal Funds Sold and Interest Bearing Deposits	304,213	213,968
Total Cash and Cash Equivalents	353,714	276,000
Investment Securities, Available for Sale, at fair value	429,016	446,157
Investment Securities, Held to Maturity, at amortized cost (fair value of $225,317 and $214,413)	226,179	217,320
Total Investment Securities	655,195	663,477
Loans Held For Sale	4,557	6,869
Loans and Leases Receivable, Net of Deferred Income	1,797,105	1,774,225
Allowance for Loan Losses	(14,120)	(14,210)
Loans, Net	1,782,985	1,760,015
Premises and Equipment, Net	86,846	87,190
Goodwill	84,811	84,811
Other Real Estate Owned	1,902	2,229
Other Assets	82,041	78,592
Total Assets	3,052,051	2,959,183
Deposits:
Noninterest Bearing Deposits	995,853	947,858
Interest Bearing Deposits	1,621,441	1,583,998
Total Deposits	2,617,294	2,531,856
Short-Term Borrowings	8,983	13,541
Subordinated Notes Payable	52,887	52,887
Other Long-Term Borrowings	7,661	8,568
Other Liabilities	56,240	49,744
Total Liabilities	2,743,065	2,656,596
SHAREOWNERS' EQUITY
Preferred Stock, $.01 par value; 3,000,000 shares authorized; no shares issued and outstanding	0	0
Common Stock, $.01 par value; 90,000,000 shares authorized; 16,812,460 and 16,747,571 shares issued and outstanding at March 31, 2019 and December 31, 2018, respectively	168	167
Additional Paid-In Capital	31,929	31,058
Retained Earnings	304,763	300,177
Accumulated Other Comprehensive Loss, Net of Tax	(27,874)	(28,815)
Total Shareowners' Equity	308,986	302,587
Total Liabilities and Shareowners' Equity	$ 3,052,051	$ 2,959,183

CONSOLIDATED STATEMENTS OF FI_2

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Unaudited) (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Statement of Financial Position [Abstract]
Investment securities, held to maturity, fair value	$ 225,317	$ 214,413
Preferred Stock, par value (in dollar per share)	$ 0.01	$ 0.01
Preferred Stock, shares authorized	3,000,000	3,000,000
Common Stock, par value (in dollar per share)	$ 0.01	$ 0.01
Common Stock, shares authorized	90,000,000	90,000,000
Common Stock, shares issued	16,812,460	16,747,571
Common Stock, shares outstanding	16,812,460	16,747,571

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
INTEREST INCOME
Loans, including Fees	$ 22,616	$ 19,535
Investment Securities:
Taxable	3,387	2,523
Tax Exempt	126	239
Funds Sold	1,593	917
Total Interest Income	27,722	23,214
INTEREST EXPENSE
Deposits	2,099	868
Short-Term Borrowings	35	8
Subordinated Notes Payable	608	475
Other Long-Term Borrowings	72	100
Total Interest Expense	2,814	1,451
NET INTEREST INCOME	24,908	21,763
Provision for Loan Losses	767	745
Net Interest Income After Provision For Loan Losses	24,141	21,018
NONINTEREST INCOME
Other	1,606	1,564
Total Noninterest Income	12,552	12,477
NONINTEREST EXPENSE
Compensation	16,349	15,911
Occupancy, Net	4,509	4,551
Other Real Estate Owned, Net	363	626
Other	6,977	6,818
Total Noninterest Expense	28,198	27,906
INCOME BEFORE INCOME TAXES	8,495	5,589
Income Tax Expense	2,059	(184)
NET INCOME	$ 6,436	$ 5,773
BASIC NET INCOME PER SHARE (in dollars per shares)	$ 0.38	$ 0.34
DILUTED NET INCOME PER SHARE (in dollars per shares)	$ 0.38	$ 0.34
Average Basic Common Shares Outstanding (in shares)	16,791,000	17,028,000
Average Diluted Common Shares Outstanding (in shares)	16,819,000	17,073,000
Deposit fees [Member]
NONINTEREST INCOME
Revenue, fees and commissions	$ 4,775	$ 4,872
Bank card fees [Member]
NONINTEREST INCOME
Revenue, fees and commissions	2,855	2,811
Wealth Managment fees [Member]
NONINTEREST INCOME
Revenue, fees and commissions	2,323	2,173
Mortgage banking [Member]
NONINTEREST INCOME
Revenue, fees and commissions	$ 993	$ 1,057

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Income Statement [Abstract]
NET INCOME	$ 6,436	$ 5,773
Investment Securities:
Change in net unrealized gain/loss on securities available for sale	1,250	(1,488)
Amortization of unrealized losses on securities transferred from available for sale to held to maturity	12	15
Total Investment Securities	1,262	(1,473)
Other comprehensive income, before tax	1,262	(1,473)
Deferred tax expense related to other comprehensive income	321	(373)
Other comprehensive income, net of tax	941	(1,100)
TOTAL COMPREHENSIVE INCOME	$ 7,377	$ 4,673

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, 2017	$ 284,210	$ 170	$ 36,674	$ 279,410	$ (32,044)
Balance (in shares) at Dec. 31, 2017	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 ($0.2300 and $0.1700 per share for September 30, 2018 and September 30, 2017, respectively)	(1,193)	0	0	(1,193)	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
Balance at Dec. 31, 2018	$ 302,587	$ 167	31,058	300,177	(28,815)
Balance (in shares) at Dec. 31, 2018	16,747,571	16,747,571
Net Income	$ 6,436	$ 0	0	6,436	0
Other Comprehensive Loss, Net of Tax	941	0	0	0	941
Cash Dividends ($0.2300 and $0.1700 per share for September 30, 2018 and September 30, 2017, respectively)	(1,850)	0	0	(1,850)	0
Stock Compensation Expense	499	0	499	0	0
Impact of Transactions Under Compensation Plans, net	373	$ 1	372	0	0
Impact of Transactions Under Compensation Plans, net (in shares)		64,889
Balance at Mar. 31, 2019	$ 308,986	$ 168	$ 31,929	$ 304,763	$ (27,874)
Balance, Shares at Mar. 31, 2019	16,812,460	16,812,460

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREOWNERS' EQUITY (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Statement of Stockholders' Equity [Abstract]
Cash Dividends (in dollars per share)	$ 0.11	$ 0.07

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($)	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
CASH FLOWS FROM OPERATING ACTIVITIES
Net Income	$ 6,436,000	$ 5,773,000
Adjustments to Reconcile Net Income to Cash Provided by Operating Activities:
Provision for Loan Losses	767,000	745,000
Depreciation	1,612,000	1,605,000
Amortization of Premiums, Discounts, and Fees (net)	1,234,000	1,723,000
Originations of Loans Held for Sale	(38,698,000)	(39,137,000)
Proceeds From Sales of Loans Held for Sale	42,003,000	40,166,000
Gain Loss On Sale Of Mortgage Loans	(993,000)	(1,057,000)
Stock Compensation	499,000	331,000
Excess Tax Benefit From Share Based Compensation Operating Activities	(14,000)	(41,000)
Deferred Income Taxes	321,000	1,407,000
Net change in operating leases	23,000	0
Loss on Sales and Write-Downs of Other Real Estate Owned	215,000	554,000
Loss on Sale or Disposal of Premises and Equipment	0	0
Net (Increase) Decrease in Other Assets	(4,854,000)	(6,173,000)
Net Increase in Other Liabilities	6,689,000	(3,706,000)
Net Cash Provided By Operating Activities	15,240,000	2,190,000
Securities Held to Maturity:
Purchases	(18,167,000)	(35,953,000)
Payments, Maturities, and Calls	8,953,000	26,696,000
Securities Available for Sale:
Purchases	(13,370,000)	(49,749,000)
Payments, Maturities, and Calls	30,784,000	55,221,000
Payments To Acquire Loans Held For Investment	(14,706,000)	(3,965,000)
Payments for (Proceeds from) Loans Receivable	(9,461,000)	(5,514,000)
Proceeds From Insurance Claims on Premises	790,000	0
Proceeds From Sales of Other Real Estate Owned	639,000	364,000
Purchases of Premises and Equipment, net	(1,268,000)	(847,000)
Net Cash Used In Investing Activities	(15,806,000)	(13,747,000)
CASH FLOWS FROM FINANCING ACTIVITIES
Net (Decrease) Increase in Deposits	85,438,000	29,007,000
Net Increase in Short-Term Borrowings	(4,918,000)	(2,587,000)
Repayment of Other Long-Term Borrowings	(547,000)	(634,000)
Dividends Paid	(1,850,000)	(1,193,000)
Issuance of Common Stock Under Compensation Plans	157,000	147,000
Net Cash (Used In) Provided By Financing Activities	78,280,000	24,740,000
NET DECREASE IN CASH AND CASH EQUIVALENTS	77,714,000	13,183,000
Cash and Cash Equivalents at Beginning of Period	276,000,000	285,442,000
Cash and Cash Equivalents at End of Period	353,714,000	298,625,000
Supplemental Cash Flow Disclosures:
Interest Paid, Net	2,813,000	1,451,000
Income Taxes Paid	0	0
Noncash Investing and Financing Activities:
Loans Transferred to Other Real Estate Owned	527,000	$ 307,000
Right-of-use asset obtained in exchange for operating lease liability	$ 1,928,000

SIGNIFICANT ACCOUNTING POLICIES

SIGNIFICANT ACCOUNTING POLICIES	3 Months Ended
	Mar. 31, 2019
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, 2018 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, 2018 . Accounting Changes Leases. Accounting Standards Update ("ASU") 2016-02 requires that lessees and lessors recognize lease assets and lease liabilities on the balance sheet and disclose key information about leasing arrangements. ASU 2016-02 was effective for the Company on January 1, 2019. ASU 2016-02 provides for a modified retrospective transition approach requiring lessees to recognize and measure leases on the balance sheet at the beginning of either the earliest period presented or as of the beginning of the period of adoption with the option to elect certain practical e xpedients. The Company elected to apply the modified retrospective transition approach as of the beginning of the period of adoption and has not restated comparative periods. The following practical expedients provided under ASU 2016-02 were not reassess ed : (i) whether any expired or existing contracts are or contain leases, (ii) the lease classification for any expired or existing leases, and (iii) initial and direct costs of any existing leases. The Company did not elect to apply the recognition requir ements of ASU 2016-02 to any short-term leases (as defined by the accounting guidance). The Company’s operating leases related primarily to banking office locations. As a result of implementing ASU 2016-02, the Company recognized operating lease right- of-use (“ROU”) assets of $2.0 million and operating lease liabilities of $2.8 million on January 1, 2019, with no significant impact on its consolidated statement of income or consolidated statement of cash flows compared to the prior lease accounting mode l. The difference between the lease assets and the lease liabilities of $0.8 million was prepaid rent, which was reclassified to lease assets. The ROU asset and lease liability are recorded in other assets and other liabilities, respectively, in the cons olidated statement of financial condition. See Note 5 – Leases for additional information .

INVESTMENT SECURITIES

INVESTMENT SECURITIES	3 Months Ended
	Mar. 31, 2019
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, 2019 December 31, 2018 Amortized Unrealized Unrealized Market Amortized Unrealized Unrealized Market Cost Gains Losses Value Cost Gain Losses Value Available for Sale U.S. Government Treasury $ 254,265 $ 364 $ 1,688 $ 252,941 $ 264,298 $ 167 $ 2,616 $ 261,849 U.S. Government Agency 133,566 495 468 133,593 133,201 520 515 133,206 States and Political Subdivisions 33,900 3 47 33,856 42,509 - 144 42,365 Mortgage-Backed Securities 736 43 - 779 903 40 - 943 Equity Securities (1) 7,847 - - 7,847 7,794 - - 7,794 Total $ 430,314 $ 905 $ 2,203 $ 429,016 $ 448,705 $ 727 $ 3,275 $ 446,157 Held to Maturity U.S. Government Treasury $ 35,076 $ - $ 311 $ 34,765 $ 35,088 $ - $ 477 $ 34,611 States and Political Subdivisions 5,960 - 10 5,950 6,512 - 26 6,486 Mortgage-Backed Securities 185,143 668 1,209 184,602 175,720 220 2,624 173,316 Total $ 226,179 $ 668 $ 1,530 $ 225,317 $ 217,320 $ 220 $ 3,127 $ 214,413 Total Investment Securities $ 656,493 $ 1,573 $ 3,733 $ 654,333 $ 666,025 $ 947 $ 6,402 $ 660,570 (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, 2019 and includes Federal Home Loan Bank and Federal Reserve Bank stock recorded at cost of $3. 0 million and $4.8 million , respectively, at December 31, 2018 . Securities with an amortized cost of $ 368.1 million and $319.6 million at March 31, 2019 and December 31, 2018 , 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 a dvances. 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, 2019 , 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 $ 131,777 $ 131,011 $ 20,620 $ 20,516 Due after one year through five years 172,196 171,513 20,416 20,199 Mortgage-Backed Securities 736 779 185,143 184,602 U.S. Government Agency 117,758 117,866 - - Equity Securities 7,847 7,847 - - Total $ 430,314 $ 429,016 $ 226,179 $ 225,317 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, 2019 Available for Sale U.S. Government Treasury $ - $ - $ 197,921 $ 1,688 $ 197,921 $ 1,688 U.S. Government Agency 35,901 238 39,054 230 74,955 468 States and Political Subdivisions 4,148 1 22,769 46 26,917 47 Mortgage-Backed Securities 9 - - - 9 - Total 40,058 239 259,744 1,964 299,802 2,203 Held to Maturity U.S. Government Treasury - - 34,766 311 34,766 311 States and Political Subdivisions 203 - 5,747 10 5,950 10 Mortgage-Backed Securities 10,210 82 85,679 1,127 95,889 1,209 Total $ 10,413 $ 82 $ 126,192 $ 1,448 $ 136,605 $ 1,530 December 31, 2018 Available for Sale U.S. Government Treasury $ 28,420 $ 80 $ 193,501 $ 2,536 $ 221,921 $ 2,616 U.S. Government Agency 53,237 271 28,735 244 81,972 515 States and Political Subdivisions 8,243 12 31,417 132 39,660 144 Mortgage-Backed Securities 10 - - - 10 - Total 89,910 363 253,653 2,912 343,563 3,275 Held to Maturity U.S. Government Treasury - - 34,612 477 34,612 477 States and Political Subdivisions 204 - 6,281 26 6,485 26 Mortgage-Backed Securities 51,327 389 84,705 2,235 136,032 2,624 Total $ 51,531 $ 389 $ 125,598 $ 2,738 $ 177,129 $ 3,127 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, 2019 , there were 414 positions (combi ned AFS and HTM) with unrealized losses totaling $ 3.7 million . 48 of these positions were U.S. government treasury securities guaranteed by the U.S. government. 265 of these positions were U.S. government agency and mortgage-backed securities issued by U .S. government sponsored entities. The remaining 101 positions were municipal securities. B ecause the declines in the market value of these securities wer e attributable to changes in interest rates and not credit quality, and because the Company has the pr esent ability and intent to hold these investments until there is a recovery in fair value, which may be at maturity, the Company did not consider these investments to be other-than-temporarily impaired at March 31, 2019.

LOANS, NET

LOANS, NET	3 Months Ended
	Mar. 31, 2019
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, 2019 December 31, 2018 Commercial, Financial and Agricultural $ 238,942 $ 233,689 Real Estate – Construction 87,123 89,527 Real Estate – Commercial Mortgage 615,129 602,061 Real Estate – Residential (1) 349,004 342,215 Real Estate – Home Equity 209,194 210,111 Consumer (2) 297,713 296,622 Loans, Net of Unearned Income $ 1,797,105 $ 1,774,225 (1) Includes loans in process with outstanding balances of $ 10.3 million and $ 9.2 million at March 31, 2019 and December 31, 2018 , respective ly. ( 2 ) Includes overdraft balances of $ 1.4 million and $1.6 million at March 31, 2019 and December 31, 2018 , respectively . Net deferred costs included in loans were $ 1.7 million at March 31, 2019 and $1.5 million at December 31, 2018 . 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 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 Atlanta. Nonaccrual Loans . Loans are generally placed on nonaccrual status if principal or interest payments become 90 days past due and/or management deem s the collectability of the principal and/or interest to be doubtful. Loans are returned to accrual status when the principal and interest amounts contractually due are brought current or when future payments are reasonably assured. The following table p resents the recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans. March 31, 2019 December 31, 2018 (Dollars in Thousands) Nonaccrual 90 + Days Nonaccrual 90 + Days Commercial, Financial and Agricultural $ 223 $ - $ 267 $ - Real Estate – Construction 323 - 722 - Real Estate – Commercial Mortgage 1,976 - 2,860 - Real Estate – Residential 1,341 - 2,119 - Real Estate – Home Equity 1,033 - 584 - Consumer 151 - 320 - Total Nonaccrual Loans $ 5,047 $ - $ 6,872 $ - 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, 2019 Commercial, Financial and Agricultural $ 509 $ 128 $ - $ 637 $ 238,082 $ 238,942 Real Estate – Construction 59 - - 59 86,741 87,123 Real Estate – Commercial Mortgage 1,235 340 - 1,575 611,578 615,129 Real Estate – Residential 560 100 - 660 347,003 349,004 Real Estate – Home Equity 415 48 - 463 207,698 209,194 Consumer 1,065 223 - 1,288 296,274 297,713 Total Past Due Loans $ 3,843 $ 839 $ - $ 4,682 $ 1,787,376 $ 1,797,105 December 31, 2018 Commercial, Financial and Agricultural $ 104 $ 58 $ - $ 162 $ 233,260 $ 233,689 Real Estate – Construction 489 - - 489 88,316 89,527 Real Estate – Commercial Mortgage 124 - - 124 599,077 602,061 Real Estate – Residential 745 627 - 1,372 338,724 342,215 Real Estate – Home Equity 512 124 - 636 208,891 210,111 Consumer 1,661 313 - 1,974 294,328 296,622 Total Past Due Loans $ 3,635 $ 1,122 $ - $ 4,757 $ 1,762,596 $ 1,774,225 (1) Total Loans include nonaccrual loans of $5.0 million and $6.9 million at March 31, 2019 and December 31, 2018, respectively. 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, 2019 Beginning Balance $ 1,434 $ 280 $ 4,181 $ 3,400 $ 2,301 $ 2,614 $ 14,210 Provision for Loan Losses 217 101 (103) 6 (20) 566 767 Charge-Offs (95) - (155) (264) (52) (795) (1,361) Recoveries 74 - 70 44 32 284 504 Net Charge-Offs (21) - (85) (220) (20) (511) (857) Ending Balance $ 1,630 $ 381 $ 3,993 $ 3,186 $ 2,261 $ 2,669 $ 14,120 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 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, 2019 Period-end amount Allocated to: Loans Individually Evaluated for Impairment $ 186 $ 152 $ 827 $ 625 $ 310 $ 2 $ 2,102 Loans Collectively Evaluated for Impairment 1,444 229 3,166 2,561 1,951 2,667 12,018 Ending Balance $ 1,630 $ 381 $ 3,993 $ 3,186 $ 2,261 $ 2,669 $ 14,120 December 31, 2018 Period-end amount Allocated to: Loans Individually Evaluated for Impairment $ 118 $ 52 $ 1,026 $ 919 $ 289 $ 1 $ 2,405 Loans Collectively Evaluated for Impairment 1,316 228 3,155 2,481 2,012 2,613 11,805 Ending Balance $ 1,434 $ 280 $ 4,181 $ 3,400 $ 2,301 $ 2,614 $ 14,210 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 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, 2019 Individually Evaluated for Impairment $ 787 $ 382 $ 11,908 $ 8,930 $ 2,630 $ 84 $ 24,721 Collectively Evaluated for Impairment 238,155 86,741 603,221 340,074 206,564 297,629 1,772,384 Total $ 238,942 $ 87,123 $ 615,129 $ 349,004 $ 209,194 $ 297,713 $ 1,797,105 December 31, 2018 Individually Evaluated for Impairment $ 873 $ 781 $ 12,650 $ 10,593 $ 2,210 $ 88 $ 27,195 Collectively Evaluated for Impairment 232,816 88,746 589,411 331,622 207,901 296,534 1,747,030 Total $ 233,689 $ 89,527 $ 602,061 $ 342,215 $ 210,111 $ 296,622 $ 1,774,225 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 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, 2019 Commercial, Financial and Agricultural $ 787 $ 96 $ 691 $ 186 Real Estate – Construction 382 59 323 152 Real Estate – Commercial Mortgage 11,908 2,453 9,455 827 Real Estate – Residential 8,930 2,402 6,528 625 Real Estate – Home Equity 2,630 1,057 1,573 310 Consumer 84 47 37 2 Total $ 24,721 $ 6,114 $ 18,607 $ 2,102 December 31, 2018 Commercial, Financial and Agricultural $ 873 $ 101 $ 772 $ 118 Real Estate – Construction 781 459 322 52 Real Estate – Commercial Mortgage 12,650 2,384 10,266 1,026 Real Estate – Residential 10,593 1,482 9,111 919 Real Estate – Home Equity 2,210 855 1,355 289 Consumer 88 49 39 1 Total $ 27,195 $ 5,330 $ 21,865 $ 2,405 The following table summarizes the average recorded investment and interest income recognized by class of impaired loans. Three Months Ended March 31, 2019 2018 Average Total Average Total Recorded Interest Recorded Interest (Dollars in Thousands) Investment Income Investment Income Commercial, Financial and Agricultural $ 830 $ 11 $ 1,330 $ 29 Real Estate – Construction 582 - 517 1 Real Estate – Commercial Mortgage 12,279 123 18,862 175 Real Estate – Residential 9,761 127 13,038 148 Real Estate – Home Equity 2,420 26 3,265 26 Consumer 86 2 111 2 Total $ 25,958 $ 289 $ 37,123 $ 381 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 (Dollars in Thousands) Agriculture Real Estate Consumer Loans March 31, 2019 Pass $ 237,133 $ 1,222,160 $ 297,255 $ 1,756,548 Special Mention 1,109 17,178 51 18,338 Substandard 700 21,112 407 22,219 Doubtful - - - - Total Loans $ 238,942 $ 1,260,450 $ 297,713 $ 1,797,105 December 31, 2018 Pass $ 232,417 $ 1,211,451 $ 295,888 $ 1,739,756 Special Mention 479 11,048 54 11,581 Substandard 793 21,415 680 22,888 Doubtful - - - - Total Loans $ 233,689 $ 1,243,914 $ 296,622 $ 1,774,225 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, 2019 December 31, 2018 (Dollars in Thousands) Accruing Nonaccruing Accruing Nonaccruing Commercial, Financial and Agricultural $ 695 $ - $ 873 $ - Real Estate – Construction 59 - 59 - Real Estate – Commercial Mortgage 9,652 674 9,910 1,239 Real Estate – Residential 8,371 535 9,234 1,222 Real Estate – Home Equity 1,930 178 1,920 179 Consumer 84 - 88 - Total TDRs $ 20,791 $ 1,387 $ 22,084 $ 2,640 For TDRs, the Company estimated $1.7 million and $2.3 million of impaired loan loss reserves for these loans at March 31, 2019 and December 31, 2018, respectively. 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, a principal moratorium, a reduction in the interest rate , or a combination thereof. The financial impact of these m odifications was not material. Three Months Ended March 31, Three Months Ended March 31, 2019 2018 Post- Post- Number Modified Number Modified of Recorded of Recorded (Dollars in Thousands) Contracts Investment (1) Contracts Investment Commercial, Financial and Agricultural - $ - 1 $ 230 Real Estate – Construction - - - - Real Estate – Commercial Mortgage - - 1 228 Real Estate – Residential 1 74 - - Real Estate – Home Equity 1 31 - - Consumer - - - - Total TDRs 2 $ 105 2 $ 458 (1) Recorded investment reflects charge-offs and additional funds advanced at time of restructure, if applicable. For the three months ended March 31, 2019 and March 31, 2018, there were no loans modified as TDRs within the previous 12 months that had 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, 2019 2018 Number of Recorded Number of Recorded (Dollars in Thousands) Contracts Investment Contracts Investment (1) Extended amortization - $ - 1 $ 228 Interest rate adjustment - - - - Extended amortization and interest rate adjustment 2 105 - - Principal Moratorium - - 1 230 Other - - - - Total TDRs 2 $ 105 2 $ 458

OTHER REAL ESTATE OWNED

OTHER REAL ESTATE OWNED	3 Months Ended
	Mar. 31, 2019
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) 2019 2018 Beginning Balance $ 2,229 $ 3,941 Additions 527 307 Valuation Write-downs (190) (494) Sales (664) (424) Ending Balance $ 1,902 $ 3,330 Net expenses applicable to other real estate owned include the following: Three Months Ended March 31, (Dollars in Thousands) 2019 2018 Gains from the Sale of Properties $ (12) $ (28) Losses from the Sale of Properties 37 88 Rental Income from Properties (3) (3) Property Carrying Costs 151 75 Valuation Adjustments 190 494 Total $ 363 $ 626 As of March 31, 2019 , the Company had $0.9 million of loans secured by residential real estate in the process of foreclosure .

EMPLOYEE BENEFIT PLANS

EMPLOYEE BENEFIT PLANS	3 Months Ended
	Mar. 31, 2019
Compensation and Retirement Disclosure [Abstract]
EMPLOYEE BENEFIT PLANS	NOTE 6 - 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) 2019 2018 Service Cost $ 1,529 $ 1,721 Interest Cost 1,545 1,415 Expected Return on Plan Assets (2,382) (2,391) Prior Service Cost Amortization 4 50 Net Loss Amortization 965 918 Net Periodic Benefit Cost $ 1,661 $ 1,713 Discount Rate Used for Benefit Cost 4.43% 3.71% 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) 2019 2018 Interest Cost $ 87 $ 57 Net Loss Amortization 190 406 Net Periodic Benefit Cost $ 277 $ 463 Discount Rate Used for Benefit Cost 4.23% 3.53% 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.

COMMITMENTS AND CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	3 Months Ended
	Mar. 31, 2019
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS AND CONTINGENCIES	NOTE 7 - 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, 2019 December 31, 2018 (Dollars in Thousands) Fixed Variable Total Fixed Variable Total Commitments to Extend Credit (1) $ 109,646 $ 388,161 $ 497,807 $ 94,572 $ 373,438 $ 468,010 Standby Letters of Credit 5,050 - 5,050 4,986 - 4,986 Total $ 114,696 $ 388,161 $ 502,857 $ 99,558 $ 373,438 $ 472,996 (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 . 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 revision s 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 contract will be terminated. Quarterly fixed p ayments approximate $ 137 ,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, 2019
Fair Value Disclosures [Abstract]
FAIR VALUE MEASUREMENTS	NOTE 8 – 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. Quarterly , 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 Va lue 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, during the p eriod. At March 31, 2019, 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, 2019 ASSETS: Securities Available for Sale: U.S. Government Treasury $ 252,941 $ - $ - $ 252,941 U.S. Government Agency - 133,593 - 133,593 States and Political Subdivisions - 33,856 - 33,856 Mortgage-Backed Securities - 779 - 779 Equity Securities - 7,847 - 7,847 December 31, 2018 ASSETS: Securities Available for Sale: U.S. Government Treasury $ 261,849 $ - $ - $ 261,849 U.S. Government Agency - 133,206 - 133,206 States and Political Subdivisions - 42,365 - 42,365 Mortgage-Backed Securities - 943 - 943 Equity Securities - 7,794 - 7,794 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 $ 4.4 million with a valuation allowance of $ 0.7 million at March 31, 2019 and $ 5.6 million and $ 0.8 million, respectively , at December 31, 2018 . 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 2019 , 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. Th e 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 , estimated discount rates , and incorporates 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 v alue of fixed maturity certificates of deposit is estimated using present 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 rates 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 pr ojected cash flows and estimated discount rates as well as rates being offered for similar debt. A summary of estimated fair values of significant financial instruments consisted of the following: March 31, 2019 Carrying Level 1 Level 2 Level 3 (Dollars in Thousands) Value Inputs Inputs Inputs ASSETS: Cash $ 49,501 $ 49,501 $ - $ - Short-Term Investments 304,213 304,213 - - Investment Securities, Available for Sale 429,016 252,941 176,075 - Investment Securities, Held to Maturity 226,179 34,765 190,552 - Equity Securities (1) 3,588 - 3,588 - Loans Held for Sale 4,557 - 4,557 - Loans, Net of Allowance for Loan Losses 1,782,985 - - 1,760,136 LIABILITIES: Deposits $ 2,617,294 $ - $ 2,615,572 $ - Short-Term Borrowings 8,983 - 8,983 - Subordinated Notes Payable 52,887 - 41,128 - Long-Term Borrowings 7,661 - 7,715 - December 31, 2018 Carrying Level 1 Level 2 Level 3 (Dollars in Thousands) Value Inputs Inputs Inputs ASSETS: Cash $ 62,032 $ 62,032 $ - $ - Short-Term Investments 213,968 213,968 - - Investment Securities, Available for Sale 446,157 261,849 184,308 - Investment Securities, Held to Maturity 217,320 34,611 179,802 - Loans Held for Sale 6,869 - 6,869 - Equity Securities (1) 3,591 - 3,591 - Loans, Net of Allowance for Loan Losses 1,760,015 - - 1,730,161 LIABILITIES: Deposits $ 2,531,856 $ - $ 2,529,841 $ - Short-Term Borrowings 13,541 - 13,541 - Subordinated Notes Payable 52,887 - 42,359 - Long-Term Borrowings 8,568 - 7,879 - (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, 2019
Equity [Abstract]
OTHER COMPREHENSIVE INCOME	NOTE 9 – 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, 2019 Investment Securities: Change in net unrealized gain/loss on securities available for sale $ 1,250 $ (317) $ 933 Amortization of losses on securities transferred from available for sale to held to maturity 12 (4) 8 Total Other Comprehensive Loss $ 1,262 $ (321) $ 941 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 Income $ (1,473) $ 373 $ (1,100) 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, 2019 $ (2,008) $ (26,807) $ (28,815) Other comprehensive income during the period 941 - 941 Balance as of March 31, 2019 $ (1,067) $ (26,807) $ (27,874) Balance as of January 1, 2018 $ (1,743) $ (30,301) $ (32,044) Other comprehensive loss during the period (1,100) - (1,100) Balance as of March 31, 2018 $ (2,843) $ (30,301) $ (33,144)

ACCOUNTING STANDARDS UPDATES

ACCOUNTING STANDARDS UPDATES	3 Months Ended
	Mar. 31, 2019
Accounting Standards Updates
ACCOUNTING STANDARDS UPDATES	NOTE 10 – ACCOUNTING STANDARDS UPDATES ASU 2 016-13, “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Statements.” ASU 2016-13 requires the measurement of all expected credit losses for financial assets held at the reporting date based on historical experience, current conditions, and reasonable and supportable forecasts and requires enhanced disclosures related to th e 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 sec urities and purchased financial assets with 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 disclosure s. As part of its implementation efforts to date, management has formed a cross-functional implementation team and developed a project plan. The Company has also engaged a vendor to assist in model development. The Company’s implementation plan has progressed through the design and build phase and will begin testing and parallel modeling in the second quarter of 2019. In conjunction with the implementation, the Company is reviewing business process and evaluating potential changes to the control environment. The Company expects the new guidance will result in an increase in the allowance for 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 allowanc e for credit losses 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 .

SIGNIFICANT ACCOUNTING POLICI_2

SIGNIFICANT ACCOUNTING POLICIES (Policies)	3 Months Ended
	Mar. 31, 2019
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, 2018 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, 2018 .
Leases	Accounting Changes Leases. Accounting Standards Update ("ASU") 2016-02 requires that lessees and lessors recognize lease assets and lease liabilities on the balance sheet and disclose key information about leasing arrangements. ASU 2016-02 was effective for the Company on January 1, 2019. ASU 2016-02 provides for a modified retrospective transition approach requiring lessees to recognize and measure leases on the balance sheet at the beginning of either the earliest period presented or as of the beginning of the period of adoption with the option to elect certain practical e xpedients. The Company elected to apply the modified retrospective transition approach as of the beginning of the period of adoption and has not restated comparative periods. The following practical expedients provided under ASU 2016-02 were not reassess ed : (i) whether any expired or existing contracts are or contain leases, (ii) the lease classification for any expired or existing leases, and (iii) initial and direct costs of any existing leases. The Company did not elect to apply the recognition requir ements of ASU 2016-02 to any short-term leases (as defined by the accounting guidance). The Company’s operating leases related primarily to banking office locations. As a result of implementing ASU 2016-02, the Company recognized operating lease right- of-use (“ROU”) assets of $2.0 million and operating lease liabilities of $2.8 million on January 1, 2019, with no significant impact on its consolidated statement of income or consolidated statement of cash flows compared to the prior lease accounting mode l. The difference between the lease assets and the lease liabilities of $0.8 million was prepaid rent, which was reclassified to lease assets. The ROU asset and lease liability are recorded in other assets and other liabilities, respectively, in the cons olidated statement of financial condition. See Note 5 – Leases for additional information .

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	3 Months Ended
	Mar. 31, 2019
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, 2019 December 31, 2018 Amortized Unrealized Unrealized Market Amortized Unrealized Unrealized Market Cost Gains Losses Value Cost Gain Losses Value Available for Sale U.S. Government Treasury $ 254,265 $ 364 $ 1,688 $ 252,941 $ 264,298 $ 167 $ 2,616 $ 261,849 U.S. Government Agency 133,566 495 468 133,593 133,201 520 515 133,206 States and Political Subdivisions 33,900 3 47 33,856 42,509 - 144 42,365 Mortgage-Backed Securities 736 43 - 779 903 40 - 943 Equity Securities (1) 7,847 - - 7,847 7,794 - - 7,794 Total $ 430,314 $ 905 $ 2,203 $ 429,016 $ 448,705 $ 727 $ 3,275 $ 446,157 Held to Maturity U.S. Government Treasury $ 35,076 $ - $ 311 $ 34,765 $ 35,088 $ - $ 477 $ 34,611 States and Political Subdivisions 5,960 - 10 5,950 6,512 - 26 6,486 Mortgage-Backed Securities 185,143 668 1,209 184,602 175,720 220 2,624 173,316 Total $ 226,179 $ 668 $ 1,530 $ 225,317 $ 217,320 $ 220 $ 3,127 $ 214,413 Total Investment Securities $ 656,493 $ 1,573 $ 3,733 $ 654,333 $ 666,025 $ 947 $ 6,402 $ 660,570
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 $ 131,777 $ 131,011 $ 20,620 $ 20,516 Due after one year through five years 172,196 171,513 20,416 20,199 Mortgage-Backed Securities 736 779 185,143 184,602 U.S. Government Agency 117,758 117,866 - - Equity Securities 7,847 7,847 - - Total $ 430,314 $ 429,016 $ 226,179 $ 225,317
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, 2019 Available for Sale U.S. Government Treasury $ - $ - $ 197,921 $ 1,688 $ 197,921 $ 1,688 U.S. Government Agency 35,901 238 39,054 230 74,955 468 States and Political Subdivisions 4,148 1 22,769 46 26,917 47 Mortgage-Backed Securities 9 - - - 9 - Total 40,058 239 259,744 1,964 299,802 2,203 Held to Maturity U.S. Government Treasury - - 34,766 311 34,766 311 States and Political Subdivisions 203 - 5,747 10 5,950 10 Mortgage-Backed Securities 10,210 82 85,679 1,127 95,889 1,209 Total $ 10,413 $ 82 $ 126,192 $ 1,448 $ 136,605 $ 1,530 December 31, 2018 Available for Sale U.S. Government Treasury $ 28,420 $ 80 $ 193,501 $ 2,536 $ 221,921 $ 2,616 U.S. Government Agency 53,237 271 28,735 244 81,972 515 States and Political Subdivisions 8,243 12 31,417 132 39,660 144 Mortgage-Backed Securities 10 - - - 10 - Total 89,910 363 253,653 2,912 343,563 3,275 Held to Maturity U.S. Government Treasury - - 34,612 477 34,612 477 States and Political Subdivisions 204 - 6,281 26 6,485 26 Mortgage-Backed Securities 51,327 389 84,705 2,235 136,032 2,624 Total $ 51,531 $ 389 $ 125,598 $ 2,738 $ 177,129 $ 3,127

LOANS, NET (Tables)

LOANS, NET (Tables)	3 Months Ended
	Mar. 31, 2019
Receivables [Abstract]
Schedule of composition of the loan portfolio	(Dollars in Thousands) March 31, 2019 December 31, 2018 Commercial, Financial and Agricultural $ 238,942 $ 233,689 Real Estate – Construction 87,123 89,527 Real Estate – Commercial Mortgage 615,129 602,061 Real Estate – Residential (1) 349,004 342,215 Real Estate – Home Equity 209,194 210,111 Consumer (2) 297,713 296,622 Loans, Net of Unearned Income $ 1,797,105 $ 1,774,225
Schedule of recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans	March 31, 2019 December 31, 2018 (Dollars in Thousands) Nonaccrual 90 + Days Nonaccrual 90 + Days Commercial, Financial and Agricultural $ 223 $ - $ 267 $ - Real Estate – Construction 323 - 722 - Real Estate – Commercial Mortgage 1,976 - 2,860 - Real Estate – Residential 1,341 - 2,119 - Real Estate – Home Equity 1,033 - 584 - Consumer 151 - 320 - Total Nonaccrual Loans $ 5,047 $ - $ 6,872 $ -
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, 2019 Commercial, Financial and Agricultural $ 509 $ 128 $ - $ 637 $ 238,082 $ 238,942 Real Estate – Construction 59 - - 59 86,741 87,123 Real Estate – Commercial Mortgage 1,235 340 - 1,575 611,578 615,129 Real Estate – Residential 560 100 - 660 347,003 349,004 Real Estate – Home Equity 415 48 - 463 207,698 209,194 Consumer 1,065 223 - 1,288 296,274 297,713 Total Past Due Loans $ 3,843 $ 839 $ - $ 4,682 $ 1,787,376 $ 1,797,105 December 31, 2018 Commercial, Financial and Agricultural $ 104 $ 58 $ - $ 162 $ 233,260 $ 233,689 Real Estate – Construction 489 - - 489 88,316 89,527 Real Estate – Commercial Mortgage 124 - - 124 599,077 602,061 Real Estate – Residential 745 627 - 1,372 338,724 342,215 Real Estate – Home Equity 512 124 - 636 208,891 210,111 Consumer 1,661 313 - 1,974 294,328 296,622 Total Past Due Loans $ 3,635 $ 1,122 $ - $ 4,757 $ 1,762,596 $ 1,774,225 (1) Total Loans include nonaccrual loans of $5.0 million and $6.9 million at March 31, 2019 and December 31, 2018, respectively.
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, 2019 Beginning Balance $ 1,434 $ 280 $ 4,181 $ 3,400 $ 2,301 $ 2,614 $ 14,210 Provision for Loan Losses 217 101 (103) 6 (20) 566 767 Charge-Offs (95) - (155) (264) (52) (795) (1,361) Recoveries 74 - 70 44 32 284 504 Net Charge-Offs (21) - (85) (220) (20) (511) (857) Ending Balance $ 1,630 $ 381 $ 3,993 $ 3,186 $ 2,261 $ 2,669 $ 14,120 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
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, 2019 Period-end amount Allocated to: Loans Individually Evaluated for Impairment $ 186 $ 152 $ 827 $ 625 $ 310 $ 2 $ 2,102 Loans Collectively Evaluated for Impairment 1,444 229 3,166 2,561 1,951 2,667 12,018 Ending Balance $ 1,630 $ 381 $ 3,993 $ 3,186 $ 2,261 $ 2,669 $ 14,120 December 31, 2018 Period-end amount Allocated to: Loans Individually Evaluated for Impairment $ 118 $ 52 $ 1,026 $ 919 $ 289 $ 1 $ 2,405 Loans Collectively Evaluated for Impairment 1,316 228 3,155 2,481 2,012 2,613 11,805 Ending Balance $ 1,434 $ 280 $ 4,181 $ 3,400 $ 2,301 $ 2,614 $ 14,210 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
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, 2019 Individually Evaluated for Impairment $ 787 $ 382 $ 11,908 $ 8,930 $ 2,630 $ 84 $ 24,721 Collectively Evaluated for Impairment 238,155 86,741 603,221 340,074 206,564 297,629 1,772,384 Total $ 238,942 $ 87,123 $ 615,129 $ 349,004 $ 209,194 $ 297,713 $ 1,797,105 December 31, 2018 Individually Evaluated for Impairment $ 873 $ 781 $ 12,650 $ 10,593 $ 2,210 $ 88 $ 27,195 Collectively Evaluated for Impairment 232,816 88,746 589,411 331,622 207,901 296,534 1,747,030 Total $ 233,689 $ 89,527 $ 602,061 $ 342,215 $ 210,111 $ 296,622 $ 1,774,225 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
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, 2019 Commercial, Financial and Agricultural $ 787 $ 96 $ 691 $ 186 Real Estate – Construction 382 59 323 152 Real Estate – Commercial Mortgage 11,908 2,453 9,455 827 Real Estate – Residential 8,930 2,402 6,528 625 Real Estate – Home Equity 2,630 1,057 1,573 310 Consumer 84 47 37 2 Total $ 24,721 $ 6,114 $ 18,607 $ 2,102 December 31, 2018 Commercial, Financial and Agricultural $ 873 $ 101 $ 772 $ 118 Real Estate – Construction 781 459 322 52 Real Estate – Commercial Mortgage 12,650 2,384 10,266 1,026 Real Estate – Residential 10,593 1,482 9,111 919 Real Estate – Home Equity 2,210 855 1,355 289 Consumer 88 49 39 1 Total $ 27,195 $ 5,330 $ 21,865 $ 2,405
Schedule of Average recorded investment and interest income recognized by class of impaired loans	Three Months Ended March 31, 2019 2018 Average Total Average Total Recorded Interest Recorded Interest (Dollars in Thousands) Investment Income Investment Income Commercial, Financial and Agricultural $ 830 $ 11 $ 1,330 $ 29 Real Estate – Construction 582 - 517 1 Real Estate – Commercial Mortgage 12,279 123 18,862 175 Real Estate – Residential 9,761 127 13,038 148 Real Estate – Home Equity 2,420 26 3,265 26 Consumer 86 2 111 2 Total $ 25,958 $ 289 $ 37,123 $ 381
Schedule of risk category of loans by segment	Commercial, Financial, Total (Dollars in Thousands) Agriculture Real Estate Consumer Loans March 31, 2019 Pass $ 237,133 $ 1,222,160 $ 297,255 $ 1,756,548 Special Mention 1,109 17,178 51 18,338 Substandard 700 21,112 407 22,219 Doubtful - - - - Total Loans $ 238,942 $ 1,260,450 $ 297,713 $ 1,797,105 December 31, 2018 Pass $ 232,417 $ 1,211,451 $ 295,888 $ 1,739,756 Special Mention 479 11,048 54 11,581 Substandard 793 21,415 680 22,888 Doubtful - - - - Total Loans $ 233,689 $ 1,243,914 $ 296,622 $ 1,774,225
Schedule of troubled debt restructurings loans	March 31, 2019 December 31, 2018 (Dollars in Thousands) Accruing Nonaccruing Accruing Nonaccruing Commercial, Financial and Agricultural $ 695 $ - $ 873 $ - Real Estate – Construction 59 - 59 - Real Estate – Commercial Mortgage 9,652 674 9,910 1,239 Real Estate – Residential 8,371 535 9,234 1,222 Real Estate – Home Equity 1,930 178 1,920 179 Consumer 84 - 88 - Total TDRs $ 20,791 $ 1,387 $ 22,084 $ 2,640
Schedule of loans classified as TDRs	Three Months Ended March 31, Three Months Ended March 31, 2019 2018 Post- Post- Number Modified Number Modified of Recorded of Recorded (Dollars in Thousands) Contracts Investment (1) Contracts Investment Commercial, Financial and Agricultural - $ - 1 $ 230 Real Estate – Construction - - - - Real Estate – Commercial Mortgage - - 1 228 Real Estate – Residential 1 74 - - Real Estate – Home Equity 1 31 - - Consumer - - - - Total TDRs 2 $ 105 2 $ 458
Schedule of loans modified as TDRs information	Three Months Ended March 31, Three Months Ended March 31, 2019 2018 Number of Recorded Number of Recorded (Dollars in Thousands) Contracts Investment Contracts Investment (1) Extended amortization - $ - 1 $ 228 Interest rate adjustment - - - - Extended amortization and interest rate adjustment 2 105 - - Principal Moratorium - - 1 230 Other - - - - Total TDRs 2 $ 105 2 $ 458

OTHER REAL ESTATE OWNED (Tables

OTHER REAL ESTATE OWNED (Tables)	3 Months Ended
	Mar. 31, 2019
Other Real Estate [Abstract]
Schedule of other real estate owned activity	Three Months Ended March 31, (Dollars in Thousands) 2019 2018 Beginning Balance $ 2,229 $ 3,941 Additions 527 307 Valuation Write-downs (190) (494) Sales (664) (424) Ending Balance $ 1,902 $ 3,330
Schedule of net expenses	Net expenses applicable to other real estate owned include the following: Three Months Ended March 31, (Dollars in Thousands) 2019 2018 Gains from the Sale of Properties $ (12) $ (28) Losses from the Sale of Properties 37 88 Rental Income from Properties (3) (3) Property Carrying Costs 151 75 Valuation Adjustments 190 494 Total $ 363 $ 626

LEASES (Tables)

LEASES (Tables)	3 Months Ended
	Mar. 31, 2019
Leases [Abstract]
Summary of lease expense and other information related to operating leases	Three Months Ended (Dollars in Thousands) March 31, 2019 Operating lease expense $ 81 Short-term lease expense 35 Total lease expense $ 116 Other information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 83 Right-of-use assets obtained in exchange for new operating lease liabilities 1,928 Weighted-average remaining lease term — operating leases (in years) 7.4 Weighted-average discount rate — operating leases 2.9%
Summary of maturity of remaining lease liabilities	The table below summarizes the maturity of remaining lease liabilities: (Dollars in Thousands) March 31, 2019 2019 $ 316 2020 451 2021 420 2022 417 2023 398 2024 and thereafter 1,085 Total $ 3,087 Less: Interest (326) Present Value of Lease liability $ 2,761

EMPLOYEE BENEFIT PLANS (Tables)

EMPLOYEE BENEFIT PLANS (Tables)	3 Months Ended
	Mar. 31, 2019
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) 2019 2018 Service Cost $ 1,529 $ 1,721 Interest Cost 1,545 1,415 Expected Return on Plan Assets (2,382) (2,391) Prior Service Cost Amortization 4 50 Net Loss Amortization 965 918 Net Periodic Benefit Cost $ 1,661 $ 1,713 Discount Rate Used for Benefit Cost 4.43% 3.71% 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) 2019 2018 Interest Cost $ 87 $ 57 Net Loss Amortization 190 406 Net Periodic Benefit Cost $ 277 $ 463 Discount Rate Used for Benefit Cost 4.23% 3.53%

COMMITMENTS AND CONTINGENCIES (

COMMITMENTS AND CONTINGENCIES (Tables)	3 Months Ended
	Mar. 31, 2019
Commitments and Contingencies Disclosure [Abstract]
Schedule of amounts associated with the entities off-balance sheet obligations	March 31, 2019 December 31, 2018 (Dollars in Thousands) Fixed Variable Total Fixed Variable Total Commitments to Extend Credit (1) $ 109,646 $ 388,161 $ 497,807 $ 94,572 $ 373,438 $ 468,010 Standby Letters of Credit 5,050 - 5,050 4,986 - 4,986 Total $ 114,696 $ 388,161 $ 502,857 $ 99,558 $ 373,438 $ 472,996

FAIR VALUE MEASUREMENTS (Tables

FAIR VALUE MEASUREMENTS (Tables)	3 Months Ended
	Mar. 31, 2019
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, 2019 ASSETS: Securities Available for Sale: U.S. Government Treasury $ 252,941 $ - $ - $ 252,941 U.S. Government Agency - 133,593 - 133,593 States and Political Subdivisions - 33,856 - 33,856 Mortgage-Backed Securities - 779 - 779 Equity Securities - 7,847 - 7,847 December 31, 2018 ASSETS: Securities Available for Sale: U.S. Government Treasury $ 261,849 $ - $ - $ 261,849 U.S. Government Agency - 133,206 - 133,206 States and Political Subdivisions - 42,365 - 42,365 Mortgage-Backed Securities - 943 - 943 Equity Securities - 7,794 - 7,794
Schedule of financial instruments with estimated fair values	March 31, 2019 Carrying Level 1 Level 2 Level 3 (Dollars in Thousands) Value Inputs Inputs Inputs ASSETS: Cash $ 49,501 $ 49,501 $ - $ - Short-Term Investments 304,213 304,213 - - Investment Securities, Available for Sale 429,016 252,941 176,075 - Investment Securities, Held to Maturity 226,179 34,765 190,552 - Equity Securities (1) 3,588 - 3,588 - Loans Held for Sale 4,557 - 4,557 - Loans, Net of Allowance for Loan Losses 1,782,985 - - 1,760,136 LIABILITIES: Deposits $ 2,617,294 $ - $ 2,615,572 $ - Short-Term Borrowings 8,983 - 8,983 - Subordinated Notes Payable 52,887 - 41,128 - Long-Term Borrowings 7,661 - 7,715 - December 31, 2018 Carrying Level 1 Level 2 Level 3 (Dollars in Thousands) Value Inputs Inputs Inputs ASSETS: Cash $ 62,032 $ 62,032 $ - $ - Short-Term Investments 213,968 213,968 - - Investment Securities, Available for Sale 446,157 261,849 184,308 - Investment Securities, Held to Maturity 217,320 34,611 179,802 - Loans Held for Sale 6,869 - 6,869 - Equity Securities (1) 3,591 - 3,591 - Loans, Net of Allowance for Loan Losses 1,760,015 - - 1,730,161 LIABILITIES: Deposits $ 2,531,856 $ - $ 2,529,841 $ - Short-Term Borrowings 13,541 - 13,541 - Subordinated Notes Payable 52,887 - 42,359 - Long-Term Borrowings 8,568 - 7,879 -

OTHER COMPREHENSIVE INCOME (LOS

OTHER COMPREHENSIVE INCOME (LOSS) (Tables)	3 Months Ended
	Mar. 31, 2019
Equity [Abstract]
Schedule of other comprehensive income loss	Before Tax Net of Tax (Expense) Tax (Dollars in Thousands) Amount Benefit Amount March 31, 2019 Investment Securities: Change in net unrealized gain/loss on securities available for sale $ 1,250 $ (317) $ 933 Amortization of losses on securities transferred from available for sale to held to maturity 12 (4) 8 Total Other Comprehensive Loss $ 1,262 $ (321) $ 941 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 Income $ (1,473) $ 373 $ (1,100)
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, 2019 $ (2,008) $ (26,807) $ (28,815) Other comprehensive income during the period 941 - 941 Balance as of March 31, 2019 $ (1,067) $ (26,807) $ (27,874) Balance as of January 1, 2018 $ (1,743) $ (30,301) $ (32,044) Other comprehensive loss during the period (1,100) - (1,100) Balance as of March 31, 2018 $ (2,843) $ (30,301) $ (33,144)

INVESTMENT SECURITIES (Details)

INVESTMENT SECURITIES (Details) - USD ($)		Mar. 31, 2019	Dec. 31, 2018
Available-for-sale
Amortized Cost		$ 430,314,000	$ 448,705,000
Unrealized Gains		905,000	727,000
Unrealized Losses		2,203,000	3,275,000
Market Value		429,016,000	446,157,000
Held to Maturity
Amortized Cost		226,179,000	217,320,000
Unrealized Gains		668,000	220,000
Unrealized Losses		1,530,000	3,127,000
Market Value		225,317,000	214,413,000
Total
Amortized Cost		656,493,000	666,025,000
Unrealized Gain		1,573,000	947,000
Unrealized Loss		3,733,000	6,402,000
Fair Value		654,333,000	660,570,000
U.S. Government Treasury [Member]
Available-for-sale
Amortized Cost		254,265,000	264,298,000
Unrealized Gains		364,000	167,000
Unrealized Losses		1,688,000	2,616,000
Market Value		252,941,000	261,849,000
Held to Maturity
Amortized Cost		35,076,000	35,088,000
Unrealized Gains		0	0
Unrealized Losses		311,000	477,000
Market Value		34,765,000	34,611,000
U.S. Government Agency [Member]
Available-for-sale
Amortized Cost		133,566,000	133,201,000
Unrealized Gains		495,000	520,000
Unrealized Losses		468,000	515,000
Market Value		133,593,000	133,206,000
States and Political Subdivisions [Member]
Available-for-sale
Amortized Cost		33,900,000	42,509,000
Unrealized Gains		3,000	0
Unrealized Losses		47,000	144,000
Market Value		33,856,000	42,365,000
Held to Maturity
Amortized Cost		5,960,000	6,512,000
Unrealized Gains		0	0
Unrealized Losses		10,000	26,000
Market Value		5,950,000	6,486,000
Mortgage-Backed Securities [Member]
Available-for-sale
Amortized Cost		736,000	903,000
Unrealized Gains		43,000	40,000
Unrealized Losses		0	0
Market Value		779,000	943,000
Held to Maturity
Amortized Cost		185,143,000	175,720,000
Unrealized Gains		668,000	220,000
Unrealized Losses		1,209,000	2,624,000
Market Value		184,602,000	173,316,000
Equity Securities [Member]
Available-for-sale
Amortized Cost	[1]	7,847,000	7,794,000
Unrealized Gains		0	0
Unrealized Losses		0	0
Market Value	[1]	7,847,000	7,794,000
Federal Home Loan Bank		3,100,000	3,000,000
Federal Reserve Bank stock		$ 4,800,000	$ 4,800,000
[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, 2019 and includes Federal Home Loan Bank and Federal Reserve Bank stock recorded at cost of $3. 0 million and $4.8 million , respectively, at December 31, 2018 .

INVESTMENT SECURITIES (Maturity

INVESTMENT SECURITIES (Maturity Distribution) (Details) - USD ($)	Mar. 31, 2019	Dec. 31, 2018
Amortized Cost
Due in one year or less	$ 131,777,000
Due after one through five years	172,196,000
Total Investment Securities	430,314,000
Market Value
Due in one year or less	131,011,000
Due after one through five years	171,513,000
Total Investment Securities	429,016,000
Amortized Cost
Due in one year or less	20,620,000
Due after one through five years	20,416,000
Total Investment Securities	226,179,000	$ 217,320,000
Market Value
Due in one year or less	20,516,000
Due after one through five years	20,199,000
Total Investment Securities	225,317,000	214,413,000
U.S. Government Treasury [Member]
Amortized Cost
Total Investment Securities	35,076,000	35,088,000
Market Value
Total Investment Securities	34,765,000	34,611,000
U.S. Government Agency [Member]
Amortized Cost
Due without single maturity date	117,758,000
Market Value
Due without single maturity date	117,866,000
Amortized Cost
Due without single maturity date	0
Market Value
Due without single maturity date	0
States and Political Subdivisions [Member]
Amortized Cost
Total Investment Securities	5,960,000	6,512,000
Market Value
Total Investment Securities	5,950,000	6,486,000
Mortgage-Backed Securities [Member]
Amortized Cost
Due without single maturity date	736,000
Market Value
Due without single maturity date	779,000
Amortized Cost
Due without single maturity date	185,143,000
Total Investment Securities	185,143,000	175,720,000
Market Value
Due without single maturity date	184,602,000
Total Investment Securities	184,602,000	$ 173,316,000
Equity Securities [Member]
Amortized Cost
Due without single maturity date	7,847,000
Market Value
Due without single maturity date	$ 7,847,000

INVESTMENT SECURITIES (Unrealiz

INVESTMENT SECURITIES (Unrealized Losses on Investment Securities) (Details) - USD ($)	Mar. 31, 2019	Dec. 31, 2018
Available-for-sale securities
Less Than 12 Months, Fair Value	$ 40,058,000	$ 89,910,000
Less Than 12 Months, Unrealized Losses	239,000	363,000
12 Months Or Longer, Fair Value	259,744,000	253,653,000
12 Months Or Longer, Unrealized Losses	1,964,000	2,912,000
Total Fair Value	299,802,000	343,563,000
Total Unrealized Losses	2,203,000	3,275,000
Held-to-maturity debt securities
Less Than 12 Months, Fair Value	10,413,000	51,531,000
Less Than 12 Months, Unrealized Losses	82,000	389,000
12 Months Or Longer, Fair Value	126,192,000	125,598,000
12 Months Or Longer, Unrealized Losses	1,448,000	2,738,000
Total Fair Value	136,605,000	177,129,000
Total Unrealized Losses	1,530,000	3,127,000
U.S. Government Treasury [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	0	28,420,000
Less Than 12 Months, Unrealized Losses	0	80,000
12 Months Or Longer, Fair Value	197,921,000	193,501,000
12 Months Or Longer, Unrealized Losses	1,688,000	2,536,000
Total Fair Value	197,921,000	221,921,000
Total Unrealized Losses	1,688,000	2,616,000
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	34,766,000	34,612,000
12 Months Or Longer, Unrealized Losses	311,000	477,000
Total Fair Value	34,766,000	34,612,000
Total Unrealized Losses	311,000	477,000
U.S. Government Agency [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	35,901,000	53,237,000
Less Than 12 Months, Unrealized Losses	238,000	271,000
12 Months Or Longer, Fair Value	39,054,000	28,735,000
12 Months Or Longer, Unrealized Losses	230,000	244,000
Total Fair Value	74,955,000	81,972,000
Total Unrealized Losses	468,000	515,000
States and Political Subdivisions [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	4,148,000	8,243,000
Less Than 12 Months, Unrealized Losses	1,000	12,000
12 Months Or Longer, Fair Value	22,769,000	31,417,000
12 Months Or Longer, Unrealized Losses	46,000	132,000
Total Fair Value	26,917,000	39,660,000
Total Unrealized Losses	47,000	144,000
Held-to-maturity debt securities
Less Than 12 Months, Fair Value	203,000	204,000
Less Than 12 Months, Unrealized Losses	0	0
12 Months Or Longer, Fair Value	5,747,000	6,281,000
12 Months Or Longer, Unrealized Losses	10,000	26,000
Total Fair Value	5,950,000	6,485,000
Total Unrealized Losses	10,000	26,000
Mortgage-Backed Securities [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	9,000	10,000
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	9,000	10,000
Total Unrealized Losses	0	0
Held-to-maturity debt securities
Less Than 12 Months, Fair Value	10,210,000	51,327,000
Less Than 12 Months, Unrealized Losses	82,000	389,000
12 Months Or Longer, Fair Value	85,679,000	84,705,000
12 Months Or Longer, Unrealized Losses	1,127,000	2,235,000
Total Fair Value	95,889,000	136,032,000
Total Unrealized Losses	$ 1,209,000	$ 2,624,000

INVESTMENT SECURITIES (Narrativ

INVESTMENT SECURITIES (Narrative) (Details)	Mar. 31, 2019USD ($)Investment_Positions	Dec. 31, 2018USD ($)
Investments, Debt and Equity Securities [Abstract]
Securities pledged to secure public deposits | $	$ 368,100,000	$ 319,600,000
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	414
Available-for-sale Securities and Held-To-Maturity, Continuous Unrealized Loss Position Fair Value, Total | $	$ 3,700,000
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	153
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	48
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	112
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	101

LOANS, NET (Portfolio Compositi

LOANS, NET (Portfolio Composition) (Details) - USD ($)		Mar. 31, 2019	Dec. 31, 2018
Loan Portfolio Composition
Loans and Leases Receivable, Net of Deferred Income		$ 1,797,105,000	$ 1,774,225,000
Net deferred fees		1,700,000	1,500,000
Commercial, Financial and Agricultural [Member]
Loan Portfolio Composition
Loans and Leases Receivable, Net of Deferred Income		238,942,000	233,689,000
Real Estate - Construction [Member]
Loan Portfolio Composition
Loans and Leases Receivable, Net of Deferred Income		87,123,000	89,527,000
Real Estate - Commercial Mortgage [Member]
Loan Portfolio Composition
Loans and Leases Receivable, Net of Deferred Income		615,129,000	602,061,000
Real Estate - Residential [Member]
Loan Portfolio Composition
Loans and Leases Receivable, Net of Deferred Income	[1]	349,004,000	342,215,000
Loans in Process with outstanding balances		10,300,000	9,200,000
Real Estate - Home Equity [Member]
Loan Portfolio Composition
Loans and Leases Receivable, Net of Deferred Income		209,194,000	210,111,000
Consumer [Member]
Loan Portfolio Composition
Loans and Leases Receivable, Net of Deferred Income		297,713,000	296,622,000
Overdraft Balances		$ 1,400,000	$ 1,600,000
[1]	Includes loans in process with outstanding balances of $ 10.3 million and $ 9.2 million at March 31, 2019 and December 31, 2018 , respective ly. ( 2 ) Includes overdraft balances of $ 1.4 million and $1.6 million at March 31, 2019 and December 31, 2018 , respectively .

LOANS, NET (Recorded Investment

LOANS, NET (Recorded Investment In Nonaccrual and Past Due Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans
Nonaccrual	$ 5,047	$ 6,872
Total Past Due	4,682	4,757
90 +DPD [Member]
Recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans
Total Past Due	0	0
Commercial, Financial and Agricultural [Member]
Recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans
Nonaccrual	223	267
Total Past Due	637	162
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	323	722
Total Past Due	59	489
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	1,976	2,860
Total Past Due	1,575	124
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	1,341	2,119
Total Past Due	660	1,372
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	1,033	584
Total Past Due	463	636
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	151	320
Total Past Due	1,288	1,974
Consumer [Member] | 90 +DPD [Member]
Recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans
Total Past Due	$ 0	$ 0

LOANS, NET (Loan Portfolio Agin

LOANS, NET (Loan Portfolio Aging) (Details) - USD ($) $ in Thousands		Mar. 31, 2019	Dec. 31, 2018
Aging of the recorded investment in past due loans by class of loans
Total Past Due		$ 4,682	$ 4,757
Total Current		1,787,376	1,762,596
Total Loans		1,797,105	1,774,225
30-59 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		3,843	3,635
60-89 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		839	1,122
90 +DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		0	0
Commercial, Financial and Agricultural [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		637	162
Total Current		238,082	233,260
Total Loans		238,942	233,689
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		509	104
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		128	58
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		59	489
Total Current		86,741	88,316
Total Loans		87,123	89,527
Real Estate - Construction [Member] | 30-59 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		59	489
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		1,575	124
Total Current		611,578	599,077
Total Loans		615,129	602,061
Real Estate - Commercial Mortgage [Member] | 30-59 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		1,235	124
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		340	0
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		660	1,372
Total Current		347,003	338,724
Total Loans	[1]	349,004	342,215
Real Estate - Residential [Member] | 30-59 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		560	745
Real Estate - Residential [Member] | 60-89 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		100	627
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		463	636
Total Current		207,698	208,891
Total Loans		209,194	210,111
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		415	512
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		48	124
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		1,288	1,974
Total Current		296,274	294,328
Total Loans		297,713	296,622
Consumer [Member] | 30-59 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		1,065	1,661
Consumer [Member] | 60-89 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		223	313
Consumer [Member] | 90 +DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		$ 0	$ 0
[1]	Includes loans in process with outstanding balances of $ 10.3 million and $ 9.2 million at March 31, 2019 and December 31, 2018 , respective ly. ( 2 ) Includes overdraft balances of $ 1.4 million and $1.6 million at March 31, 2019 and December 31, 2018 , respectively .

LOANS, NET (Allowance for Loan

LOANS, NET (Allowance for Loan Losses) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Activity in the allowance for loan losses by portfolio class
Beginning Balance	$ 14,210	$ 13,307
Provision for Loan Losses	767	745
Charge-Offs	(1,361)	(1,439)
Recoveries	504	645
Net Charge-Offs	(857)	(794)
Ending Balance	14,120	13,258
Commercial, Financial and Agricultural [Member]
Activity in the allowance for loan losses by portfolio class
Beginning Balance	1,434	1,191
Provision for Loan Losses	217	(44)
Charge-Offs	(95)	(182)
Recoveries	74	166
Net Charge-Offs	(21)	(16)
Ending Balance	1,630	1,131
Real Estate - Construction [Member]
Activity in the allowance for loan losses by portfolio class
Beginning Balance	280	122
Provision for Loan Losses	101	128
Charge-Offs	0	(7)
Recoveries	0	1
Net Charge-Offs	0	(6)
Ending Balance	381	244
Real Estate - Commercial Mortgage [Member]
Activity in the allowance for loan losses by portfolio class
Beginning Balance	4,181	4,346
Provision for Loan Losses	(103)	(126)
Charge-Offs	(155)	(290)
Recoveries	70	123
Net Charge-Offs	(85)	(167)
Ending Balance	3,993	4,053
Real Estate - Residential [Member]
Activity in the allowance for loan losses by portfolio class
Beginning Balance	3,400	3,206
Provision for Loan Losses	6	180
Charge-Offs	(264)	(107)
Recoveries	44	84
Net Charge-Offs	(220)	(23)
Ending Balance	3,186	3,363
Real Estate - Home Equity [Member]
Activity in the allowance for loan losses by portfolio class
Beginning Balance	2,301	2,506
Provision for Loan Losses	(20)	(90)
Charge-Offs	(52)	(158)
Recoveries	32	61
Net Charge-Offs	(20)	(97)
Ending Balance	2,261	2,319
Consumer [Member]
Activity in the allowance for loan losses by portfolio class
Beginning Balance	2,614	1,936
Provision for Loan Losses	566	697
Charge-Offs	(795)	(695)
Recoveries	284	210
Net Charge-Offs	(511)	(485)
Ending Balance	$ 2,669	$ 2,148

LOANS, NET (Allowance for Loa_2

LOANS, NET (Allowance for Loan Losses by Impairment Methodology) (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018
Period-end amount allocated to:
Loans Individually Evaluated for Impairment	$ 2,102	$ 2,405	$ 3,877
Loans Collectively Evaluated for Impairment	12,018	11,805	9,381
Ending Balance	14,120	14,210	13,258
Commercial, Financial and Agricultural [Member]
Period-end amount allocated to:
Loans Individually Evaluated for Impairment	186	118	182
Loans Collectively Evaluated for Impairment	1,444	1,316	949
Ending Balance	1,630	1,434	1,131
Real Estate - Construction [Member]
Period-end amount allocated to:
Loans Individually Evaluated for Impairment	152	52	114
Loans Collectively Evaluated for Impairment	229	228	130
Ending Balance	381	280	244
Real Estate - Commercial Mortgage [Member]
Period-end amount allocated to:
Loans Individually Evaluated for Impairment	827	1,026	1,779
Loans Collectively Evaluated for Impairment	3,166	3,155	2,274
Ending Balance	3,993	4,181	4,053
Real Estate - Residential [Member]
Period-end amount allocated to:
Loans Individually Evaluated for Impairment	625	919	1,412
Loans Collectively Evaluated for Impairment	2,561	2,481	1,951
Ending Balance	3,186	3,400	3,363
Real Estate - Home Equity [Member]
Period-end amount allocated to:
Loans Individually Evaluated for Impairment	310	289	389
Loans Collectively Evaluated for Impairment	1,951	2,012	1,930
Ending Balance	2,261	2,301	2,319
Consumer [Member]
Period-end amount allocated to:
Loans Individually Evaluated for Impairment	2	1	1
Loans Collectively Evaluated for Impairment	2,667	2,613	2,147
Ending Balance	$ 2,669	$ 2,614	$ 2,148

LOANS, NET (Loan Balances by Im

LOANS, NET (Loan Balances by Impairment Methodology) (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018	Mar. 31, 2018
Recorded investment in loans related to each balance in the allowance for loan losses
Individually Evaluated for Impairment	$ 24,721	$ 27,195	$ 36,910
Financing Receivable, Collectively Evaluated for Impairment	1,772,384	1,747,030	1,624,985
Total	1,797,105	1,774,225	1,661,895
Commercial, Financial and Agricultural [Member]
Recorded investment in loans related to each balance in the allowance for loan losses
Individually Evaluated for Impairment	787	873	1,283
Financing Receivable, Collectively Evaluated for Impairment	238,155	232,816	197,492
Total	238,942	233,689	198,775
Real Estate - Construction [Member]
Recorded investment in loans related to each balance in the allowance for loan losses
Individually Evaluated for Impairment	382	781	671
Financing Receivable, Collectively Evaluated for Impairment	86,741	88,746	79,565
Total	87,123	89,527	80,236
Real Estate - Commercial Mortgage [Member]
Recorded investment in loans related to each balance in the allowance for loan losses
Individually Evaluated for Impairment	11,908	12,650	18,445
Financing Receivable, Collectively Evaluated for Impairment	603,221	589,411	532,864
Total	615,129	602,061	551,309
Real Estate - Residential [Member]
Recorded investment in loans related to each balance in the allowance for loan losses
Individually Evaluated for Impairment	8,930	10,593	13,204
Financing Receivable, Collectively Evaluated for Impairment	340,074	331,622	308,834
Total	349,004	342,215	322,038
Real Estate - Home Equity [Member]
Recorded investment in loans related to each balance in the allowance for loan losses
Individually Evaluated for Impairment	2,630	2,210	3,198
Financing Receivable, Collectively Evaluated for Impairment	206,564	207,901	220,796
Total	209,194	210,111	223,994
Consumer [Member]
Recorded investment in loans related to each balance in the allowance for loan losses
Individually Evaluated for Impairment	84	88	109
Financing Receivable, Collectively Evaluated for Impairment	297,629	296,534	285,434
Total	$ 297,713	$ 296,622	$ 285,543

LOANS, NET (Impaired Loans) (De

LOANS, NET (Impaired Loans) (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Impaired Financing Receivable Recorded Investment [Abstract]
Unpaid Principal Balance	$ 24,721	$ 27,195
Recorded Investment With No Allowance	6,114	5,330
Recorded Investment With Allowance	18,607	21,865
Related Allowance	2,102	2,405
Commercial, Financial and Agricultural [Member]
Impaired Financing Receivable Recorded Investment [Abstract]
Unpaid Principal Balance	787	873
Recorded Investment With No Allowance	96	101
Recorded Investment With Allowance	691	772
Related Allowance	186	118
Real Estate - Construction [Member]
Impaired Financing Receivable Recorded Investment [Abstract]
Unpaid Principal Balance	382	781
Recorded Investment With No Allowance	59	459
Recorded Investment With Allowance	323	322
Related Allowance	152	52
Real Estate - Commercial Mortgage [Member]
Impaired Financing Receivable Recorded Investment [Abstract]
Unpaid Principal Balance	11,908	12,650
Recorded Investment With No Allowance	2,453	2,384
Recorded Investment With Allowance	9,455	10,266
Related Allowance	827	1,026
Real Estate - Residential [Member]
Impaired Financing Receivable Recorded Investment [Abstract]
Unpaid Principal Balance	8,930	10,593
Recorded Investment With No Allowance	2,402	1,482
Recorded Investment With Allowance	6,528	9,111
Related Allowance	625	919
Real Estate - Home Equity [Member]
Impaired Financing Receivable Recorded Investment [Abstract]
Unpaid Principal Balance	2,630	2,210
Recorded Investment With No Allowance	1,057	855
Recorded Investment With Allowance	1,573	1,355
Related Allowance	310	289
Consumer [Member]
Impaired Financing Receivable Recorded Investment [Abstract]
Unpaid Principal Balance	84	88
Recorded Investment With No Allowance	47	49
Recorded Investment With Allowance	37	39
Related Allowance	$ 2	$ 1

LOANS, NET (Impaired Loans Aver

LOANS, NET (Impaired Loans Average Investment and Interest Income) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
ImpairedFinancingReceivableAverageRecordedInvestmentAbstract
Average Recorded Investment	$ 25,958	$ 37,123
Total Interest Income	289	381
Commercial, Financial and Agricultural [Member]
ImpairedFinancingReceivableAverageRecordedInvestmentAbstract
Average Recorded Investment	830	1,330
Total Interest Income	11	29
Real Estate - Construction [Member]
ImpairedFinancingReceivableAverageRecordedInvestmentAbstract
Average Recorded Investment	582	517
Total Interest Income	0	1
Real Estate - Commercial Mortgage [Member]
ImpairedFinancingReceivableAverageRecordedInvestmentAbstract
Average Recorded Investment	12,279	18,862
Total Interest Income	123	175
Real Estate - Residential [Member]
ImpairedFinancingReceivableAverageRecordedInvestmentAbstract
Average Recorded Investment	9,761	13,038
Total Interest Income	127	148
Real Estate - Home Equity [Member]
ImpairedFinancingReceivableAverageRecordedInvestmentAbstract
Average Recorded Investment	2,420	3,265
Total Interest Income	26	26
Consumer [Member]
ImpairedFinancingReceivableAverageRecordedInvestmentAbstract
Average Recorded Investment	86	111
Total Interest Income	$ 2	$ 2

LOANS, NET (Risk Category by Lo

LOANS, NET (Risk Category by Loan Segment) (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	$ 1,797,105	$ 1,774,225
Commercial, Financial and Agricultural [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	238,942	233,689
Real Estate [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	1,260,450	1,243,914
Consumer [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	297,713	296,622
Pass [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	1,756,548	1,739,756
Pass [Member] | Commercial, Financial and Agricultural [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	237,133	232,417
Pass [Member] | Real Estate [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	1,222,160	1,211,451
Pass [Member] | Consumer [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	297,255	295,888
Special Mention [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	18,338	11,581
Special Mention [Member] | Commercial, Financial and Agricultural [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	1,109	479
Special Mention [Member] | Real Estate [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	17,178	11,048
Special Mention [Member] | Consumer [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	51	54
Substandard [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	22,219	22,888
Substandard [Member] | Commercial, Financial and Agricultural [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	700	793
Substandard [Member] | Real Estate [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	21,112	21,415
Substandard [Member] | Consumer [Member]
LoansAndLeasesReceivableGrossCarryingAmountAbstract
Loans and Leases Receivable, Net of Deferred Income	407	680
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, 2019	Dec. 31, 2018
Financing Receivable, Modifications [Line Items]
Accruing	$ 20,791	$ 22,084
Nonaccruing	1,387	2,640
Commercial, Financial and Agricultural [Member]
Financing Receivable, Modifications [Line Items]
Accruing	695	873
Nonaccruing	0	0
Real Estate - Construction [Member]
Financing Receivable, Modifications [Line Items]
Accruing	59	59
Nonaccruing	0	0
Real Estate - Commercial Mortgage [Member]
Financing Receivable, Modifications [Line Items]
Accruing	9,652	9,910
Nonaccruing	674	1,239
Real Estate - Residential [Member]
Financing Receivable, Modifications [Line Items]
Accruing	8,371	9,234
Nonaccruing	535	1,222
Real Estate - Home Equity [Member]
Financing Receivable, Modifications [Line Items]
Accruing	1,930	1,920
Nonaccruing	178	179
Consumer [Member]
Financing Receivable, Modifications [Line Items]
Accruing	84	88
Nonaccruing	$ 0	$ 0

LOANS, NET (Modified Troubled D

LOANS, NET (Modified Troubled Debt Restructurings) (Details) $ in Thousands		3 Months Ended
		Mar. 31, 2019USD ($)Contracts	Mar. 31, 2018USD ($)Contracts
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts		2	2
Post-Modified Recorded Investment | $	[1]	$ 105	$ 458
Commercial, Financial and Agricultural [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts		0	1
Post-Modified Recorded Investment | $		$ 0	$ 230
Real Estate - Construction [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts		0	0
Post-Modified Recorded Investment | $		$ 0	$ 0
Real Estate - Commercial Mortgage [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts		0	1
Post-Modified Recorded Investment | $		$ 0	$ 228
Real Estate - Residential [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts		1	0
Post-Modified Recorded Investment | $		$ 74	$ 0
Real Estate - Home Equity [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts		1	0
Post-Modified Recorded Investment | $		$ 31	$ 0
Consumer [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts		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, 2019USD ($)Contracts	Mar. 31, 2018USD ($)Contracts
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts		2	2
Post-Modified Recorded Investment | $	[1]	$ 105	$ 458
Extended Amortization [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts		0	1
Post-Modified Recorded Investment | $	[1]	$ 0	$ 228
Interest Rate Adjustment [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts		0	0
Post-Modified Recorded Investment | $	[1]	$ 0	$ 0
Extended Amortization And Interest Rate Adjustment [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts		2	0
Post-Modified Recorded Investment | $	[1]	$ 105	$ 0
Principal Moratorium [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | Contracts		0	1
Post-Modified Recorded Investment | $		$ 0	$ 230
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, 2019	Mar. 31, 2018
Other Real Estate [Roll Forward]
Beginning Balance	$ 2,229	$ 3,941
Additions	527	307
Valuation Write-Downs	(190)	(494)
Sales	(664)	(424)
Other	0	0
Ending Balance	$ 1,902	$ 3,330

OTHER REAL ESTATE OWNED (Othe_2

OTHER REAL ESTATE OWNED (Other Real Estate Owned Net Expenses) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Other Real Estate [Abstract]
Gains from the Sale of Properties	$ (12)	$ (28)
Losses from the Sale of Properties	37	88
Rental Income from Properties	(3)	(3)
Property Carrying Costs	151	75
Valuation Adjustments	190	494
Total	$ 363	$ 626

LEASES - Narrative (Details)

LEASES - Narrative (Details) $ in Millions	3 Months Ended
	Mar. 31, 2019USD ($)
Related Party [Domain]
Lesse lease description [Line Items]
Lesse operating lease description	Operating leases with an initial term of 12 months or less are not recorded on the balance sheet and the related lease expense is recognized on a straight-line basis over the lease term
Operating lease right of use asset	$ 1.9
Operating lease liabilties	$ 2.8
Lessee, Operating Lease, Lease Not yet Commenced, Description	Payments on the operating lease are expected to commence after the construction period ends, which is expected to occur during the second quarter of 2020
Operating lease liabilities, not yet commenced	$ 1.4
Lease payment transaction [Member]
Lesse lease description [Line Items]
Operating lease liabilties	1.1
Operating lease, minimum annual payment	$ 0.2
Minimum [Member] | Related Party [Domain]
Lesse lease description [Line Items]
Lessee operating lease term of contract	2 years
Maximum [Member] | Related Party [Domain]
Lesse lease description [Line Items]
Lessee operating lease term of contract	9 years

LEASES - Lease information (Det

LEASES - Lease information (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2019USD ($)
Lease expenses:
Operating lease expense	$ 81
Short term lease expense	35
Total lease expense	116
Other information related to leases [Abstract]
Operating cash flows from operating leases	83
Right-of-use asset obtained in exchange for operating lease liability	$ 1,928
Weighted Average remaining lease term	7 years 4 months 24 days
Weighted-average discount rate - operating leases	2.90%

LEASES - Maturity of remaining

LEASES - Maturity of remaining lease liabilities (Details) $ in Thousands	Mar. 31, 2019USD ($)
Summary of the maturity of remaining lease liabilities:
2019	$ 316
2020	451
2021	420
2022	417
2023	398
2024 and thereafter	1,085
Total	3,087
Less: Interest	$ (326)

EMPLOYEE BENEFIT PLANS (Details

EMPLOYEE BENEFIT PLANS (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Defined Benefit Pension Plan [Member]
Components of Net Periodic Benefit Costs:
Service Cost	$ 1,529	$ 1,721
Interest Cost	1,545	1,415
Expected Return on Plan Assets	(2,382)	(2,391)
Prior Service Cost Amortization	4	50
Net Gain (Loss) Amortization	965	918
Net Periodic Benefit Cost (Income)	$ 1,661	$ 1,713
Discount Rate (in percent)	4.43%	3.71%
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	$ 87	$ 57
Net Gain (Loss) Amortization	190	406
Net Periodic Benefit Cost (Income)	$ 277	$ 463
Discount Rate (in percent)	4.23%	3.53%

COMMITMENTS AND CONTINGENCIES_2

COMMITMENTS AND CONTINGENCIES (Details) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Loss Contingencies [Line Items]
Fixed	$ 114,696	$ 99,558
Variable	388,161	373,438
Total	502,857	472,996
Commitments to Extend Credit [Member]
Loss Contingencies [Line Items]
Fixed	109,646	94,572
Variable	388,161	373,438
Total	497,807	468,010
Standby Letters of Credit [Member]
Loss Contingencies [Line Items]
Fixed	5,050	4,986
Variable	0	0
Total	$ 5,050	$ 4,986

FAIR VALUE MEASUREMENTS (Detail

FAIR VALUE MEASUREMENTS (Details) - Fair Value, Measurements, Recurring [Member] - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
U.S. Government Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure	$ 252,941	$ 261,849
U.S. Government Agency [Member]
ASSETS:
Assets, Fair Value Disclosure	133,593	133,206
States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	33,856	42,365
Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	779	943
Equity Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	7,847	7,794
Level 1 Inputs [Member] | U.S. Government Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure	252,941	261,849
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	133,593	133,206
Fair Value, Inputs, Level 2 [Member] | States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	33,856	42,365
Fair Value, Inputs, Level 2 [Member] | Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	779	943
Fair Value, Inputs, Level 2 [Member] | Equity Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	7,847	7,794
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, 2019	Dec. 31, 2018
ASSETS:
Investment Securities, Available for Sale	$ 429,016,000	$ 446,157,000
Investment securities, held to maturity, fair value	225,317,000	214,413,000
Level 1 Inputs [Member]
ASSETS:
Cash	49,501,000	62,032,000
Short-Term Investments	304,213,000	213,968,000
Investment Securities, Available for Sale	252,941,000	261,849,000
Investment Securities, Held to Maturity	34,765,000	34,611,000
Fair Value, Inputs, Level 2 [Member]
ASSETS:
Investment Securities, Available for Sale	176,075,000	184,308,000
Investment Securities, Held to Maturity	190,552,000	179,802,000
Loans Held for Sale	4,557,000	6,869,000
Other Investments And Securities At Cost	3,588,000	3,591,000
LIABILITIES:
Deposits	2,615,572,000	2,529,841,000
Short-Term Borrowings	8,983,000	13,541,000
Subordinated Notes Payable	41,128,000	42,359,000
Long-Term Borrowings	7,715,000	7,879,000
Fair Value, Inputs, Level 3 [Member]
ASSETS:
Loans, Net of Allowance for Loan Losses	1,760,136,000	1,730,161,000
Carrying (Reported) Amount, Fair Value Disclosure [Member]
ASSETS:
Cash	49,501,000	62,032,000
Short-Term Investments	304,213,000	213,968,000
Investment Securities, Available for Sale	429,016,000	446,157,000
Investment Securities, Held to Maturity	226,179,000	217,320,000
Loans Held for Sale	4,557,000	6,869,000
Other Investments And Securities At Cost	3,588,000	3,591,000
Loans, Net of Allowance for Loan Losses	1,782,985,000	1,760,015,000
LIABILITIES:
Deposits	2,617,294,000	2,531,856,000
Short-Term Borrowings	8,983,000	13,541,000
Subordinated Notes Payable	52,887,000	52,887,000
Long-Term Borrowings	$ 7,661,000	$ 8,568,000

OTHER COMPREHENSIVE INCOME (L_2

OTHER COMPREHENSIVE INCOME (LOSS) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Investment Securities Before Tax Amount [Abstract]
Change in net unrealized gain/loss on securities available for sale before tax	$ 1,250	$ (1,488)
Amortization of unrealized losses on securities transferred from available for sale to held to maturity before tax	12	15
Total Investment Securities	1,262	(1,473)
Investment Securities Tax Expense (Benefit) [Abstract]
Change in net unrealized gain/loss on securities available for sale tax expense (benefit)	(317)	377
Amortization of unrealized losses on securities transferred from available for sale to held to maturity tax expense (benefit)	(4)	(4)
Other comprehensive income (loss), tax expense (benefit)	(321)	373
Investment Securities Net of Tax Amount [Abstract]
Change in net unrealized gain/loss on securities available for sale Net of Tax amount	933	(1,111)
Amortization of unrealized losses on securities transferred from available for sale to held to maturity net of tax	8	11
Total other comprehensive income (loss) Net of Tax	$ 941	$ (1,100)

OTHER COMPREHENSIVE INCOME (L_3

OTHER COMPREHENSIVE INCOME (LOSS) (Accumulated Other Comprehensive Income) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Activity in accumulated other comprehensive loss, net of tax
Balance, Begining	$ (28,815)	$ (32,044)
Other comprehensive loss during the period	941	(1,100)
Balance, Ending	(27,874)	(33,144)
Securities Available for Sale [Member]
Activity in accumulated other comprehensive loss, net of tax
Balance, Begining	(2,008)	(1,743)
Other comprehensive loss during the period	941	(1,100)
Balance, Ending	(1,067)	(2,843)
Retirement Plans [Member]
Activity in accumulated other comprehensive loss, net of tax
Balance, Begining	(26,807)	(30,301)
Other comprehensive loss during the period	0	0
Balance, Ending	$ (26,807)	$ (30,301)