First Keystone (FKYS) 10-Q 9 May 14 2014 Q1 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information	3 Months Ended
	Mar. 31, 2014	2-May-14
Document and Entity Information [Abstract]	'	'
Document Type	'10-Q	'
Amendment Flag	'false	'
Document Period End Date	31-Mar-14	'
Entity Registrant Name	'FIRST KEYSTONE CORP	'
Entity Central Index Key	'0000737875	'
Current Fiscal Year End Date	'--12-31	'
Document Fiscal Year Focus	'2014	'
Document Fiscal Period Focus	'Q1	'
Entity Filer Category	'Accelerated Filer	'
Entity Common Stock, Shares Outstanding	'	5,532,120

CONSOLIDATED_BALANCE_SHEETS

CONSOLIDATED BALANCE SHEETS (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
ASSETS	'	'
Cash and due from banks	$8,310	$8,257
Interest-bearing deposits in other banks	1,511	22,366
Total cash and cash equivalents	9,821	30,623
Investment securities available-for-sale	356,324	353,698
Investment securities held-to-maturity (fair value 2014 - $1,077; 2013 - $1,083)	1,068	1,072
Restricted investment in bank stocks	5,207	4,761
Loans	455,911	446,518
Allowance for loan losses	-6,477	-6,519
Net loans	449,434	439,999
Premises and equipment, net	21,305	21,516
Accrued interest receivable	3,502	3,616
Cash surrender value of bank owned life insurance	20,738	20,556
Investments in low-income housing partnerships	1,249	1,289
Goodwill	19,133	19,133
Core deposit intangible, net	327	395
Foreclosed assets held for resale	440	480
Deferred income taxes	922	2,080
Other assets	2,476	2,296
TOTAL ASSETS	891,946	901,514
Deposits:	'	'
Non-interest bearing	89,650	85,156
Interest bearing	579,875	604,919
Total deposits	669,525	690,075
Short-term borrowings	73,656	68,233
Long-term borrowings	45,405	40,429
Accrued interest and other payables	3,061	3,012
Other liabilities	495	3,414
TOTAL LIABILITIES	792,142	805,163
STOCKHOLDERS' EQUITY	'	'
Preferred stock, par value $2.00 per share; authorized 1,000,000 shares in 2014 and 2013; issued 0 in 2014 and 2013	'	'
Common stock, par value $2.00 per share; authorized 20,000,000 shares in 2014 and 2013; issued 5,767,269 in 2014 and 5,756,474 in 2013; outstanding 5,532,120 in 2014 and 5,521,325 in 2013	11,535	11,513
Surplus	31,880	31,626
Retained earnings	59,952	59,089
Accumulated other comprehensive income (loss)	2,260	-54
Treasury stock, at cost, 235,149 in 2014 and 2013	-5,823	-5,823
TOTAL STOCKHOLDERS' EQUITY	99,804	96,351
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$891,946	$901,514

CONSOLIDATED_BALANCE_SHEETS_Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, except Share data, unless otherwise specified
CONSOLIDATED BALANCE SHEETS [Abstract]	'	'
Investment securities held-to-maturity, estimated fair value	$1,077	$1,083
Preferred stock, par or stated value per share	$2	$2
Preferred stock, shares authorized	1,000,000	1,000,000
Preferred stock, shares issued	0	0
Common stock, par value per share	$2	$2
Common stock, shares authorized	20,000,000	20,000,000
Common stock, shares issued	5,767,269	5,756,474
Common stock, shares outstanding	5,532,120	5,521,325
Treasury stock, shares	235,149	235,149

CONSOLIDATED_STATEMENTS_OF_INC

CONSOLIDATED STATEMENTS OF INCOME (USD $)	3 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
INTEREST INCOME	'	'
Interest and fees on loans	$4,961	$5,176
Interest and dividend income on investment securities:	'	'
Taxable	2,003	1,630
Tax-exempt	633	1,021
Dividends	16	13
Dividend income on restricted investment in bank stocks	20	4
Total interest income	7,633	7,844
INTEREST EXPENSE	'	'
Interest on deposits	814	896
Interest on short-term borrowings	35	24
Interest on long-term borrowings	276	326
Total interest expense	1,125	1,246
Net interest income	6,508	6,598
Provision for loan losses	133	400
Net interest income after provision for loan losses	6,375	6,198
NON-INTEREST INCOME	'	'
Trust department	226	212
Service charges and fees	317	282
Bank owned life insurance income	182	173
ATM fees and debit card income	260	232
Gains on sales of mortgage loans	24	210
Net investment securities gains	597	268
Other	109	75
Total non-interest income	1,715	1,452
NON-INTEREST EXPENSE	'	'
Salaries and employee benefits	2,817	2,720
Occupancy, net	456	353
Furniture and equipment	154	129
Computer expense	263	240
Professional services	163	116
Pennsylvania shares tax	159	204
FDIC insurance	118	107
ATM and debit card fees	116	131
Foreclosed assets held for resale expense (income)	103	-27
Advertising	125	81
Other	778	627
Total non-interest expense	5,252	4,681
Income before income tax expense	2,838	2,969
Income tax expense	540	443
NET INCOME	$2,298	$2,526
Net income per share:	'	'
Basic	$0.42	$0.47
Diluted	$0.42	$0.47
Dividends per share	$0.26	$0.26

CONSOLIDATED_STATEMENTS_OF_COM

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014		Mar. 31, 2013
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME [Abstract]	'		'
Net Income	$2,298		$2,526
Other comprehensive income (loss):	'		'
Unrealized net holding gains (losses) on available-for-sale investment securities arising during the period, net of income taxes of $1,394 and $(300), respectively	2,708		-619
Less reclassification adjustment for net gains included in net income, net of income taxes of $(203) and $(91), respectively	-394	[1],[2]	-177	[1],[2]
Total other comprehensive income (loss)	2,314		-796
Total Comprehensive Income	$4,612		$1,730
[1]	Gross amounts are included in net investment securities gains on the Consolidated Statements of Income in non-interest income.
[2]	Income tax amounts are included in income tax expense on the Consolidated Statements of Income.

CONSOLIDATED_STATEMENTS_OF_COM1

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Parenthetical) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME [Abstract]	'	'
Unrealized net holding gains (losses) on available-for-sale investment securities arising during the period, income taxes	$1,394	($300)
Reclassification adjustment for net gains (losses) included in net income, income taxes	($203)	($91)

CONSOLIDATED_STATEMENT_OF_CHAN

CONSOLIDATED STATEMENT OF CHANGES IN STOCKHOLDERS' EQUITY (USD $)	Total	Common Stock [Member]	Surplus [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Treasury Stock [Member]
In Thousands, except Share data
Balance at Dec. 31, 2012	$103,330	$11,435	$30,725	$54,532	$12,528	($5,890)
Balance, shares at Dec. 31, 2012	'	5,717,400	'	'	'	'
Net Income	2,526	'	'	2,526	'	'
Other comprehensive income, net of taxes	-796	'	'	'	-796	'
Issuance of common stock under dividend reinvestment and stock purchase plans	250	19	231	'	'	'
Issuance of common stock under dividend reinvestment and stock purchase plans, shares	'	9,773	'	'	'	'
Dividends - $0.26 per share	-1,425	'	'	-1,425	'	'
Balance at Mar. 31, 2013	103,885	11,454	30,956	55,633	11,732	-5,890
Balance, shares at Mar. 31, 2013	'	5,727,173	'	'	'	'
Balance at Dec. 31, 2013	96,351	11,513	31,626	59,089	-54	-5,823
Balance, shares at Dec. 31, 2013	'	5,756,474	'	'	'	'
Net Income	2,298	'	'	2,298	'	'
Other comprehensive income, net of taxes	2,314	'	'	'	2,314	'
Issuance of common stock under dividend reinvestment and stock purchase plans	276	22	254	'	'	'
Issuance of common stock under dividend reinvestment and stock purchase plans, shares	'	10,795	'	'	'	'
Dividends - $0.26 per share	-1,435	'	'	-1,435	'	'
Balance at Mar. 31, 2014	$99,804	$11,535	$31,880	$59,952	$2,260	($5,823)
Balance, shares at Mar. 31, 2014	'	5,767,269	'	'	'	'

CONSOLIDATED_STATEMENT_OF_CHAN1

CONSOLIDATED STATEMENT OF CHANGES IN STOCKHOLDERS' EQUITY (Parenthetical) (USD $)	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013
CONSOLIDATED STATEMENT OF CHANGES IN STOCKHOLDERS' EQUITY [Abstract]	'	'
Cash dividends, per share	$0.26	$0.26

CONSOLIDATED_STATEMENTS_OF_CAS

CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
OPERATING ACTIVITIES	'	'
Net income	$2,298	$2,526
Adjustments to reconcile net income to net cash (used in) provided by operating activities:	'	'
Provision for loan losses	133	400
Depreciation and amortization	400	335
Net premium amortization on investment securities	457	361
Deferred income tax benefit	-31	-105
Gains on sales of loans	-24	-210
Proceeds from sales of mortgage loans originated for resale	1,027	10,103
Originations of mortgage loans originated for resale	-1,209	-9,290
Gains on sales of investment securities	-597	-268
Losses (gains) on sales of foreclosed real estate held for resale, including write-downs	85	-70
Decrease (increase) in accrued interest receivable	114	-42
Earnings on investment in bank-owned life insurance	-182	-173
Increase in other assets	-161	-427
Increase (decrease) in accrued interest and other payables	49	-201
Decrease in other liabilities	-2,931	-392
NET CASH (USED IN) PROVIDED BY OPERATING ACTIVITIES	-572	2,547
INVESTING ACTIVITIES	'	'
Proceeds from sales of investment securities available-for-sale	80,165	4,205
Proceeds from maturities and redemptions of investment securities available-for-sale	10,541	12,409
Purchases of investment securities available-for-sale	-89,687	-13,399
Proceeds from maturities and redemptions of investment securities held-to-maturity	4	4
Net change in restricted investment in bank stocks	-446	713
Net (increase) decrease in loans	-9,386	3,634
Purchases of premises and equipment	-90	-801
Proceeds from sales of foreclosed assets held for resale	'	443
NET CASH (USED IN) PROVIDED BY INVESTING ACTIVITIES	-8,899	7,208
FINANCING ACTIVITIES	'	'
Net (decrease) increase in deposits	-20,550	22,750
Net increase (decrease) in short-term borrowings	5,423	-40,804
Proceeds from long-term borrowings	10,000	5,000
Repayment of long-term borrowings	-5,024	-22
Common stock issued	255	218
Dividends paid	-1,435	-1,425
NET CASH USED IN FINANCING ACTIVITIES	-11,331	-14,283
DECREASE IN CASH AND CASH EQUIVALENTS	-20,802	-4,528
CASH AND CASH EQUIVALENTS, BEGINNING	30,623	20,920
CASH AND CASH EQUIVALENTS, ENDING	9,821	16,392
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION	'	'
Interest paid	1,104	1,304
Income taxes paid	792	'
Loans transferred to foreclosed assets held for resale	$45	'

BASIS_OF_PRESENTATION_AND_ACCO

BASIS OF PRESENTATION AND ACCOUNTING POLICIES	3 Months Ended
	Mar. 31, 2014
BASIS OF PRESENTATION AND ACCOUNTING POLICIES [Abstract]	'
BASIS OF PRESENTATION AND ACCOUNTING POLICIES	'
	NOTE 1 ― BASIS OF PRESENTATION AND ACCOUNTING POLICIES
	The consolidated financial statements include the accounts of First Keystone Corporation (the "Corporation") and its wholly owned subsidiary, First Keystone Community Bank (the "Bank"). All significant intercompany accounts and transactions have been eliminated.
	The accompanying unaudited consolidated financial statements have been prepared in accordance with U.S. generally accepted accounting principles ("U.S. GAAP") for interim financial information. Accordingly, they do not include all of the information and footnotes required by U.S. GAAP for complete consolidated financial statements. In the opinion of management, all adjustments considered necessary for fair presentation have been included. Operating results for the three month period ended March 31, 2014, are not necessarily indicative of the results for the year ending December 31, 2014. For further information, refer to the consolidated financial statements and notes thereto included in First Keystone Corporation's Annual Report on Form 10-K for the year ended December 31, 2013.
	For comparative purposes, the March 31, 2013 and December 31, 2013 balances have been reclassified to conform to the 2014 presentation. Such reclassifications had no impact on net income.
	The Corporation has evaluated events and transactions occurring subsequent to the consolidated balance sheet date of March 31, 2014 for items that should potentially be recognized or disclosed in these consolidated financial statements. The evaluation was conducted through the date these consolidated financial statements were issued.

RECENT_ACCOUNTING_STANDARDS_UP

RECENT ACCOUNTING STANDARDS UPDATES ("ASU")	3 Months Ended
	Mar. 31, 2014
RECENT ACCOUNTING STANDARDS UPDATES ("ASU") [Abstract]	'
RECENT ACCOUNTING STANDARDS UPDATES ("ASU")	'
	NOTE 2 ― RECENT ACCOUNTING STANDARDS UPDATES ("ASU")
	Except as disclosed below, there were no new accounting pronouncements affecting the Corporation during the three months ended March 31, 2014 that were not already adopted by the Corporation in previous periods.
	In January 2014, the Financial Accounting Standards Board ("FASB") issued ASU 2014-01, Investments - Equity Method and Joint Ventures (Topic 323). The ASU provides guidance on accounting for investments by a reporting entity in flow-through limited liability entities that manage or invest in affordable housing projects that qualify for the low-income housing tax credit. This ASU is effective for annual periods and interim reporting periods within those annual periods beginning after December 15, 2014, and will be applied retrospectively to all periods presented. The Corporation is currently evaluating the impact of this ASU on its consolidated financial statements.

INVESTMENT_SECURITIES

INVESTMENT SECURITIES	3 Months Ended
	Mar. 31, 2014
INVESTMENT SECURITIES [Abstract]	'
INVESTMENT SECURITIES	'
	NOTE 3 - INVESTMENT SECURITIES
	The Corporation classifies its investment securities as either "Held-to-Maturity" or "Available-for-Sale" at the time of purchase. Investment securities are accounted for on a trade date basis. Debt securities are classified as Held-to-Maturity when the Corporation has the ability and positive intent to hold the securities to maturity. Investment securities classified as Held-to-Maturity are carried at cost adjusted for amortization of premium and accretion of discount to maturity.
	Debt securities not classified as Held-to-Maturity and equity securities are included in the Available-for-Sale category and are carried at fair value. The amount of any unrealized gain or loss, net of the effect of deferred income taxes, is reported as accumulated other comprehensive income (loss) in the Consolidated Balance Sheets and Consolidated Statements of Changes in Stockholders' Equity. Management's decision to sell Available-for-Sale securities is based on changes in economic conditions controlling the sources and applications of funds, terms, availability of and yield of alternative investments, interest rate risk and the need for liquidity.
	The cost of debt securities classified as Held-to-Maturity or Available-for-Sale is adjusted for amortization of premiums and accretion of discounts to expected maturity. Such amortization and accretion, as well as interest and dividends, are included in interest and dividend income from investment securities. Realized gains and losses are included in net investment securities gains and losses. The cost of investment securities sold, redeemed or matured is based on the specific identification method.
	The amortized cost, related estimated fair value, and unrealized gains and losses for investment securities classified as "Available-For-Sale" or "Held-to-Maturity" were as follows at March 31, 2014 and December 31, 2013:
		Available-for-Sale Securities
	(Dollars in thousands)				Gross			Gross
		Amortized			Unrealized			Unrealized			Fair
	March 31, 2014:	Cost			Gains			Losses			Value
	Obligations of U.S. Government Corporations and Agencies:
	Mortgage-backed	$	147,452		$	626		$	(1,681	)	$	146,397
	Other		26,793			240			(33	)		27,000
	Obligations of state and political subdivisions		136,911			5,352			(1,292	)		140,971
	Corporate securities		40,111			224			(897	)		39,438
	Marketable equity securities		1,533			985			―			2,518
	Total	$	352,800		$	7,427		$	(3,903	)	$	356,324
		Held-to-Maturity Securities
	(Dollars in thousands)				Gross			Gross
		Amortized			Unrealized			Unrealized			Fair
	March 31, 2014:	Cost			Gains			Losses			Value
	Obligations of U.S. Government Corporations and Agencies:
	Mortgage-backed	$	68		$	3		$	―		$	71
	Other		1,000			6			―			1,006
	Total	$	1,068		$	9		$	―		$	1,077
		Available-for-Sale Securities
	(Dollars in thousands)				Gross			Gross
		Amortized			Unrealized			Unrealized			Fair
	December 31, 2013:	Cost			Gains			Losses			Value
	Obligations of U.S. Government Corporations and Agencies:
	Mortgage-backed	$	121,209		$	598		$	(2,031	)	$	119,776
	Other		33,559			238			(64	)		33,733
	Obligations of state and political subdivisions		147,112			4,136			(2,859	)		148,389
	Corporate securities		50,266			416			(1,417	)		49,265
	Marketable equity securities		1,533			1,004			(2	)		2,535
	Total	$	353,679		$	6,392		$	(6,373	)	$	353,698
		Held-to-Maturity Securities
	(Dollars in thousands)				Gross			Gross
		Amortized			Unrealized			Unrealized			Fair
	December 31, 2013:	Cost			Gains			Losses			Value
	Obligations of U.S. Government Corporations and Agencies:
	Mortgage-backed	$	72		$	3		$	―		$	75
	Other		1,000			8			―			1,008
	Total	$	1,072		$	11		$	―		$	1,083
	Securities Available-for-Sale with an aggregate fair value of $238,817,000 at March 31, 2014 and $242,839,000 at December 31, 2013, and securities Held-to-Maturity with an aggregate book value of $1,068,000 at March 31, 2014 and $1,072,000 at December 31, 2013, were pledged to secure public funds, trust funds, securities sold under agreements to repurchase, FHLB advances and other balances of $164,241,000 at March 31, 2014 and $178,814,000 at December 31, 2013.
	The amortized cost, estimated fair value and weighted average yield of debt and equity securities, by contractual maturity, are shown below at March 31, 2014. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.
	(Dollars in thousands)
		31-Mar-14
		Available-For-Sale												Held-To-Maturity
		U.S. Government			Obligations									U.S. Government
		Corporations &			of State			Marketable						Corporations &
		Agencies			& Political			Equity			Corporate			Agencies
		Obligations1			Subdivisions2			Securities3			Securities3			Obligations1
	Within 1 Year:
	Amortized cost	$	4,510		$	245		$	―		$	6,058		$	―
	Fair value		4,527			246			―			6,115			―
	Weighted average yield		0.96	%		5.1	%		―			2.44	%		―
	1 - 5 Years:
	Amortized cost		2,532			10,015			―			3,601			1,068
	Fair value		2,553			10,503			―			3,698			1,077
	Weighted average yield		0.87	%		4.17	%		―			2.29	%		0.85	%
	5 - 10 Years:
	Amortized cost		8,827			42,640			―			30,452			―
	Fair value		8,899			42,329			―			29,625			―
Weighted average yield		2.02	%		3.53	%		―			3.02	%		―
After 10 Years:
Amortized cost		158,376			84,011			1,533			―			―
Fair value		157,418			87,893			2,518			―			―
Weighted average yield		2.27	%		6.03	%		2.28	%		―			―
Total:
Amortized cost	$	174,245		$	136,911		$	1,533		$	40,111		$	1,068
Fair value		173,397			140,971			2,518			39,438			1,077
Weighted average yield		2.2	%		5.11	%		2.28	%		2.87	%		0.85	%
1Mortgage-backed securities are allocated for maturity reporting at their original maturity date.
2Average yields on tax-exempt obligations of state and political subdivisions have been computed on a tax-equivalent basis using a 34% tax rate.
3Marketable equity securities are not considered to have defined maturities and are included in the after ten year category.
There were no aggregate investments with a single issuer (excluding the U.S. Government and its agencies) which exceeded ten percent of consolidated stockholders' equity at March 31, 2014. The quality rating of the obligations of state and political subdivisions are generally investment grade, as rated by Moody's, Standard and Poor's or Fitch. The typical exceptions are local issues which are not rated, but are secured by the full faith and credit obligations of the communities that issued these securities.
Proceeds from sales of investments in Available-for-Sale debt and equity securities during the first quarter of 2014 and 2013 were $80,165,000 and $4,205,000, respectively. Gross gains realized on these sales were $808,000 and $290,000, respectively. Gross losses on these sales were $211,000 and $22,000, respectively. There were no other-than-temporary impairment losses in 2014 and 2013.
There were no proceeds from sales of investments in Held-to-Maturity debt and equity securities during the first quarter of 2014 and 2013. Therefore, there were no gains or losses realized during these periods.
Management evaluates securities for other-than-temporary impairment ("OTTI") at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. Investment securities classified as available-for-sale or held-to-maturity are generally evaluated for OTTI under FASB ASC 320, Investments - Debt and Equity Securities. In determining OTTI under the FASB ASC 320 model, management considers many factors, including (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, (3) whether the market decline was affected by macroeconomic conditions, and (4) whether the entity has the intent to sell the debt security or more likely than not will be required to sell the debt security before its anticipated recovery. The assessment of whether an other-than-temporary decline exists involves a high degree of subjectivity and judgment and is based on the information available to management at a point in time.
When other-than-temporary impairment occurs on debt securities, the amount of the other-than-temporary impairment recognized in earnings depends on whether an entity intends to sell the security or more likely than not will be required to sell the security before recovery of its amortized cost basis less any current-period credit loss. If an entity intends to sell or more likely than not will be required to sell the security before recovery of its amortized cost basis less any current-period credit loss, the other-than-temporary impairment shall be recognized in earnings equal to the entire difference between the investment's amortized cost basis and its fair value at the balance sheet date. If an entity does not intend to sell the security and it is not more likely than not that the entity will be required to sell the security before recovery of its amortized cost basis less any current-period loss, the other-than-temporary impairment shall be separated into the amount representing the credit loss and the amount related to all other factors. The amount of the total other-than-temporary impairment related to the credit loss is determined based on the present value of cash flows expected to be collected, and the realized loss is recognized in net investment securities gains on the consolidated statements of income. The amount of the total other-than-temporary impairment related to the other factors shall be recognized in other comprehensive income, net of applicable taxes. The previous amortized cost basis less the other-than-temporary impairment recognized in earnings shall become the new amortized cost basis of the investment.
The fair market value of the equity securities tends to fluctuate with the overall equity markets as well as the trends specific to each institution. The equity securities portfolio is reviewed in a similar manner as that of the debt securities with greater emphasis placed on the length of time the market value has been less than the carrying value and the financial sector outlook. The Corporation also reviews dividend payment activities, levels of non-performing assets and loan loss reserves. The starting point for the equity analysis is the length and severity of market value decline. The realized loss is recognized in net investment securities gains on the consolidated statements of income. The amount of the total other-than-temporary impairment is recognized in other comprehensive income, net of applicable taxes.
The Corporation and its investment advisors monitor the entire portfolio monthly with particular attention given to securities in a continuous loss position of at least ten percent for over twelve months. Based on the factors described above, management did not consider any securities to be other-than-temporarily impaired at March 31, 2014 and December 31, 2013.
In accordance with disclosures required by FASB ASC 320-10-50, Investments - Debt and Equity Securities, the summary below shows the gross unrealized losses and fair value of the Corporation's investments, aggregated by investment category, that individual securities have been in a continuous unrealized loss position for less than 12 months or 12 months or more as of March 31, 2014 and December 31, 2013:
31-Mar-14
(Dollars in thousands)	Less Than 12 Months						12 Months or More						Total
	Fair			Unrealized			Fair			Unrealized			Fair			Unrealized
	Value			Loss			Value			Loss			Value			Loss
Available-for-Sale:
Obligations of U.S. Government Corporations and Agencies:
Mortgage-backed	$	129,853		$	(1,681	)	$	―		$	―		$	129,853		$	(1,681	)
Other		8,244			(33	)		―			―			8,244			(33	)
Obligations of state and political subdivisions		34,561			(1,292	)		―			―			34,561			(1,292	)
Corporate securities		23,562			(897	)		―			―			23,562			(897	)
	$	196,220		$	(3,903	)	$	―		$	―		$	196,220		$	(3,903	)
31-Dec-13
(Dollars in thousands)	Less Than 12 Months						12 Months or More						Total
	Fair			Unrealized			Fair			Unrealized			Fair			Unrealized
	Value			Loss			Value			Loss			Value			Loss
Available-for-Sale:
Obligations of U.S. Government Corporations and Agencies:
Mortgage-backed	$	97,312		$	(2,031	)	$	―		$	―		$	97,312		$	(2,031	)
Other		6,404			(64	)		―			―			6,404			(64	)
Obligations of state and political subdivisions		48,853			(2,859	)		―			―			48,853			(2,859	)
Corporate securities		26,099			(1,417	)		―			―			26,099			(1,417	)
Marketable equity securities		21			(2	)		―			―			21			(2	)
	$	178,689		$	(6,373	)	$	―		$	―		$	178,689		$	(6,373	)
The Corporation invests in various forms of agency debt including mortgage backed securities and callable debt. The mortgage-backed securities are issued by FHLMC ("Federal Home Loan Mortgage Corporation"), FNMA ("Federal National Mortgage Association") or GNMA ("Government National Mortgage Association"). The municipal securities consist of general obligations and revenue bonds. The marketable equity securities consist of stocks in other bank holding companies. The fair market value of the above securities is influenced by market interest rates, prepayment speeds on mortgage securities, bid offer spreads in the market place and credit premiums for various types of agency debt. These factors change continuously and therefore the market value of these securities may be higher or lower than the Corporation's carrying value at any measurement date. Management does not believe any of their 78 debt securities in an unrealized loss position as of March 31, 2014 represents an other-than-temporary impairment, as these unrealized losses relate principally to changes in interest rates subsequent to the acquisition of the specific securities.

LOANS_AND_ALLOWANCE_FOR_LOAN_L

LOANS AND ALLOWANCE FOR LOAN LOSSES	3 Months Ended
	Mar. 31, 2014
LOANS AND ALLOWANCE FOR LOAN LOSSES [Abstract]	'
LOANS AND ALLOWANCE FOR LOAN LOSSES	'
	NOTE 4 - LOANS AND ALLOWANCE FOR LOAN LOSSES
	Loans are stated at their outstanding unpaid principal balances, net of deferred fees or costs, unearned income and the allowance for loan losses. Interest on loans is recognized as income over the term of each loan, generally, by the accrual method. Loan origination fees and certain direct loan origination costs have been deferred with the net amount amortized using the straight line method or the interest method over the contractual life of the related loans as an interest yield adjustment.
	Residential mortgage loans held for resale are carried at the lower of cost or market on an aggregate basis determined by independent pricing from appropriate federal or state agency investors. These loans are sold without recourse.
	Past-Due Loans - Generally, a loan is considered to be past-due when scheduled loan payments are in arrears 15 days or more. Delinquent notices are generated automatically when a loan is 15 days past-due. Collection efforts continue on past-due loans that have not been brought current, when it is believed that some chance exists for improvement in the status of the loan. Past-due loans are continually evaluated with the determination for charge-off being made when no reasonable chance remains that the status of the loan can be improved.
	Charge-Offs - Commercial real estate loans are charged off in whole or in part when they become sufficiently delinquent based upon the terms of the underlying loan contract and when a collateral deficiency exists. Because all or part of the contractual cash flows are not expected to be collected, the loan is considered to be impaired, and the Bank estimates the impairment based on its analysis of the cash flows and/or collateral estimated at fair value less cost to sell.
	Consumer loans are charged off when they become non-performing assets, or when the value of the underlying collateral is not sufficient to support the loan balance and a loss is expected. At that time, the amount of estimated collateral deficiency, if any, is charged off for loans secured by collateral, and all other loans are charged off in full. Loans in which the borrower is in bankruptcy are considered on a case by case basis and are either charged off by the Bank or reaffirmed by the borrower. Loans with collateral are charged down to the estimated fair value of the collateral less cost to sell.
	Non-Accrual Loans - Generally, a loan is classified as non-accrual and the accrual of interest on such a loan is discontinued when the contractual payment of principal or interest has become 90 days past due or management has serious doubts about further collectability of principal or interest, even though the loan may currently be performing. A loan may remain on accrual status if it is in the process of collection and is either guaranteed or well secured. When a loan is placed on non-accrual status, unpaid interest credited to income in the current year is reversed and unpaid interest accrued in prior years is charged against interest income. Certain non-accrual loans may continue to perform, that is, payments are still being received. Generally, the payments are applied to principal. These loans remain under constant scrutiny and if performance continues, interest income may be recorded on a cash basis based on management's judgment as to collectability of principal.
	Impaired Loans - A loan is considered impaired when, based on current information and events, it is probable that the Corporation will be unable to collect all amounts due according to the contractual terms of the original loan agreement. Under current accounting standards, the allowance for loan losses related to impaired loans is based on discounted cash flows using the loan's effective interest rate or the fair value of the collateral for certain collateral dependent loans.
	Troubled Debt Restructurings ("TDRs") - The restructuring of a loan is considered a "troubled debt restructuring" if both the following conditions are met: (i) the borrower is experiencing financial difficulties, and (ii) the Bank has granted a concession. The most common concessions granted include one or more modifications to the terms of the debt, such as (a) a reduction in the interest rate for the remaining life of the debt, (b) an extension of the maturity date at an interest rate lower than the current market rate for new debt with similar risk, (c) a temporary period of interest-only payments, and (d) a reduction in the contractual payment amount for either a short period or remaining term of the loan. A less common concession is the forgiveness of a portion of the principal.
	The determination of whether a borrower is experiencing financial difficulties takes into account not only the current financial condition of the borrower, but also the potential financial condition of the borrower were a concession not granted. Similarly, the determination of whether a concession has been granted is very subjective in nature. For example, simply extending the term of a loan at its original interest rate or even at a higher interest rate could be interpreted as a concession unless the borrower could readily obtain similar credit terms from a different lender.
	Loans modified in a troubled debt restructuring may or may not be placed on non-accrual status until the Bank determines the future collection of principal and interest is reasonably assured, which generally requires that the borrower demonstrates a period of performance according to the restructured terms of six months. Loans classified as troubled debt restructurings are designated as impaired.
	Allowance for Loan Losses - The allowance for loan losses is established through provisions for loan losses charged against income. Loans deemed to be uncollectible are charged against the allowance for loan losses and subsequent recoveries, if any, are credited to the allowance.
	The allowance for loan losses is maintained at a level estimated by management to be adequate to absorb potential loan losses. Management's periodic evaluation of the adequacy of the allowance for loan losses is based on the Corporation's past loan loss experience, known and inherent risks in the portfolio, adverse situations that may affect the borrower's ability to repay (including the timing of future payments), the estimated value of any underlying collateral, composition of the loan portfolio, current economic conditions, and other relevant factors. This evaluation is inherently subjective as it requires material estimates including the amounts and timing of future cash flows expected to be received on impaired loans that may be susceptible to significant change.
	The Corporation is subject to periodic examination by its federal and state examiners, and may be required by such regulators to recognize additions to the allowance for loan losses based on their assessment of credit information available to them at the time of their examinations.
	The allowance consists of specific, general and unallocated components. The specific component relates to loans that are individually classified as impaired. Select loans are not aggregated for collective impairment evaluation, as such; all loans are subject to individual impairment evaluation should the facts and circumstances pertinent to a particular loan suggest that such evaluation is necessary. Factors considered by management in determining impairment include payment status and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower's prior payment record, and the amount of the shortfall in relation to the principal and interest owed. If a loan is impaired, a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan's existing rate or at the fair value of collateral if repayment is expected solely from collateral. Troubled debt restructurings are separately identified for impairment disclosures and are measured at the present value of estimated future cash flows using the loan's effective rate at inception. If a troubled debt restructuring is considered to be a collateral dependent loan, the loans may be reported, net, at the fair value of the collateral. For troubled debt restructurings that subsequently default, the Corporation determines the amount of reserve in accordance with the accounting policy for the allowance for loan losses.
	The general component covers all other loans not identified as impaired and is based on historical losses adjusted for current factors. The historical loss component of the allowance is determined by losses recognized by portfolio segment over the preceding eight quarters. In calculating the historical component of our allowance, we aggregate loans into one of four portfolio segments: Commercial and Industrial, Commercial real estate, Residential real estate and Consumer. Risk factors impacting loans in each of the portfolio segments include broad deterioration of property values, reduced consumer and business spending as a result of continued high unemployment and reduced credit availability and lack of confidence in a sustainable recovery. Actual loss experience is supplemented with other economic factors based on the risks present for each portfolio segment. These economic factors include consideration of the following: the concentration of special mention, substandard and doubtful loans as a percentage of total loans, levels of loan concentration within the portfolio segment or division of a portfolio segment, broad economic conditions, delinquency trends, volume trends and terms, and policy and management changes.
	The unallocated component of the allowance is maintained to cover uncertainties that could affect management's estimate of probable losses. The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio.
	The Bank utilizes a risk grading matrix as a tool for managing credit risk in the loan portfolio and assigns an Asset Quality Rating (risk grade) to all retail (Residential Real Estate and Consumer), Commercial and Industrial, and Commercial Real Estate borrowings. An asset quality rating is assigned using the guidance provided in the Bank's loan policy. Primary responsibility for assigning the asset quality rating rests with the lender. The asset quality rating is validated periodically by both an internal and external loan review process.
	The commercial loan grading system focuses on a borrower's financial strength and performance, experience and depth of management, primary and secondary sources of repayment, the nature of the business and the outlook for the particular industry. Primary emphasis will be on the financial condition and trends. The grade also reflects current economic and industry conditions; as well as other variables such as liquidity, cash flow, revenue/earnings trends, management strengths or weaknesses, quality of financial information, and credit history. The retail loan grading system focuses on the borrower's credit score and credit history, debt-to-income ratio and income sources, collateral position and loan-to-value ratio, as well as other variables such as current economic conditions, and individual strengths and weaknesses.
	Risk grade characteristics are as follows:
	Risk Grade 1 - MINIMAL RISK through Risk Grade 6 - MANAGEMENT ATTENTION (Pass Grade Categories)
	Risk is evaluated via examination of several attributes including but not limited to financial trends, strengths and weaknesses, likelihood of repayment when considering both cash flow and collateral, sources of repayment, leverage position, management expertise, and repayment history.
	At the low-risk end of the rating scale, a risk grade of 1 - Minimal Risk is the grade reserved for loans with exceptional credit fundamentals and virtually no risk of default or loss. Loan grades then progress through escalating ratings of 2 through 6 based upon risk. Risk Grade 2 - Modest Risk are loans with sufficient cash flows; Risk Grade 3 - Average Risk are loans with key balance sheet ratios slightly above the borrower's peers; Risk Grade 4 - Acceptable Risk are loans with key balance sheet ratios usually near the borrower's peers, but one or more ratios may be higher; and Risk Grade 5 - Marginally Acceptable are loans with strained cash flow, increasing leverage and/or weakening markets. Risk Grade 6 - Management Attention are loans with weaknesses resulting from declining performance trends and the borrower's cash flows may be temporarily strained. Loans in this category are performing according to terms, but present some type of potential concern.
	Risk Grade 7 − SPECIAL MENTION (Non-Pass Category)
	Generally, these loans or assets are currently protected, but are "Potentially Weak". They constitute an undue and unwarranted credit risk but not to the point of justifying a classification of substandard.
	Assets in this category are currently protected but have potential weakness which may, if not checked or corrected, weaken the asset or inadequately protect the Bank's credit position at some future date. No loss of principal or interest is envisioned, however they constitute an undue credit risk that may be minor but is unwarranted in light of the circumstances surrounding a specific asset. Risk is increasing beyond that at which the loan originally would have been granted. Historically, cash flows are inconsistent; financial trends show some deterioration. Liquidity and leverage are above industry averages. Financial information could be incomplete or inadequate. A Special Mention asset has potential weaknesses that deserve management's close attention.
	Risk Grade 8 − SUBSTANDARD (Non-Pass Category)
	Generally, these assets are inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Assets so classified must have "well-defined" weaknesses that jeopardize the full liquidation of the debt.
	They are characterized by the distinct possibility that the Bank will sustain some loss if in the aggregate amount of substandard assets, is not fully covered by the liquidation of the collateral used as security. Substandard loans are inadequately protected by current sound net worth, paying capacity of the borrower, or pledged collateral, and have a high probability of payment default, or they have other well-defined weaknesses. Such assets require more intensive supervision by Bank Management.
	Risk Grade 9 − DOUBTFUL (Non-Pass Category)
	Generally, loans graded doubtful have all the weaknesses inherent in a substandard loan with the added factor that the weaknesses are pronounced to a point where the basis of current information, conditions, and values, collection or liquidation in full is highly improbable. The possibility of loss is extremely high, but because of certain important and reasonably specific pending factors that may work to strengthen the asset, its classification is deferred until, for example, a proposed merger, acquisition, liquidation procedures, capital injection, perfection of liens on additional collateral and/or refinancing plans are completed. Loans are graded doubtful if they contain weaknesses so serious that collection or liquidation in full is questionable.
	The credit quality indicators by loan segment are summarized below at March 31, 2014 and December 31, 2013:
		Commercial and
	(Dollars in thousands)	Industrial						Commercial Real Estate
		March 31,			December 31,			March 31,			December 31,
		2014			2013			2014			2013
	Grade:
	1-6  Pass	$	64,436		$	60,614		$	223,943		$	219,925
	7 Special Mention		120			65			953			1,717
	8 Substandard		36			21			4,402			3,782
	9 Doubtful		―			―			―			―
	Add (deduct): Unearned discount and		―			―			―			―
	Net deferred loan fees and costs		149			122			(13	)		(19	)
	Total loans	$	64,741		$	60,822		$	229,285		$	225,405
		Residential Real Estate
		Including Home Equity						Consumer Loans
		March 31,			December 31,			March 31,			December 31,
		2014			2013			2014			2013
	Grade:
	1-6 Pass	$	154,939		$	153,292		$	5,415		$	5,612
	7 Special Mention		246			180			2			2
	8 Substandard		991			931			8			―
	9 Doubtful		―			―			―			―
	Add (deduct): Unearned discount and		―			―			(76	)		(87	)
	Net deferred loan fees and costs		274			272			86			89
	Total loans	$	156,450		$	154,675		$	5,435		$	5,616
		Total Loans
		March 31,			December 31,
		2014			2013
	Grade:
	1-6 Pass	$	448,733		$	439,443
	7 Special Mention		1,321			1,964
	8 Substandard		5,437			4,734
9 Doubtful		―			―
Add (deduct): Unearned discount and		(76	)		(87	)
Net deferred loan fees and costs		496			464
Total loans	$	455,911		$	446,518
Commercial and Industrial and Commercial Real Estate include loans categorized as tax free loans in the amounts of $32,574,000 and $3,901,000, respectively.
The activity in the allowance for loan losses, by loan segment, is summarized below for the periods indicated.
(Dollars in thousands)	Commercial			Commercial			Residential
	and Industrial			Real Estate			Real Estate			Consumer			Unallocated			Total
As of and for the period ended March 31, 2014:
Allowance for Loan Losses:
Beginning balance	$	776		$	3,320		$	1,565		$	53		$	805		$	6,519
Charge-offs		(7	)		(141	)		(30	)		(8	)		―			(186	)
Recoveries		2			―			9			―			―			11
Provision		54			119			23			7			(70	)		133
Ending Balance	$	825		$	3,298		$	1,567		$	52		$	735		$	6,477
Ending balance: individually evaluated for impairment	$	―		$	―		$	―		$	―		$	―		$	―
Ending balance: collectively evaluated for impairment	$	825		$	3,298		$	1,567		$	52		$	735		$	6,477
Financing Receivables:
Ending Balance	$	64,741		$	229,285		$	156,450		$	5,435		$	―		$	455,911
Ending balance: individually evaluated for impairment	$	36		$	5,230		$	991		$	7		$	―		$	6,264
Ending balance: collectively evaluated for impairment	$	64,705		$	224,055		$	155,459		$	5,428		$	―		$	449,647
(Dollars in thousands)	Commercial			Commercial			Residential
	and Industrial			Real Estate			Real Estate			Consumer			Unallocated			Total
As of and for the period ended March 31, 2013:
Allowance for Loan Losses:
Beginning balance	$	573		$	2,837		$	1,524		$	80		$	758		$	5,772
Charge-offs		―			(145	)		(132	)		(5	)		―			(282	)
Recoveries		11			―			―			1			―			12
Provision		100			111			139			(2	)		52			400
Ending Balance	$	684		$	2,803		$	1,531		$	74		$	810		$	5,902
Ending balance: individually evaluated for impairment	$	―		$	111		$	154		$	―		$	―		$	265
Ending balance: collectively evaluated for impairment	$	684		$	2,692		$	1,377		$	74		$	810		$	5,637
Financing Receivables:
Ending Balance	$	58,582		$	219,130		$	144,728		$	5,970		$	―		$	428,410
Ending balance: individually evaluated for impairment	$	245		$	4,356		$	1,253		$	―		$	―		$	5,854
Ending balance: collectively evaluated for impairment	$	58,337		$	214,774		$	143,475		$	5,970		$	―		$	422,556
(Dollars in thousands)	Commercial			Commercial			Residential
	and Industrial			Real Estate			Real Estate			Consumer			Unallocated			Total
As of December 31, 2013:
Allowance for Loan Losses:
Ending Balance	$	776		$	3,320		$	1,565		$	53		$	805		$	6,519
Ending balance: individually evaluated for impairment	$	―		$	125		$	15		$	―		$	―		$	140
Ending balance: collectively evaluated for impairment	$	776		$	3,195		$	1,550		$	53		$	805		$	6,379
Financing Receivables:
Ending Balance	$	60,822		$	225,405		$	154,675		$	5,616		$	―		$	446,518
Ending balance: individually evaluated for impairment	$	21		$	5,022		$	931		$	―		$	―		$	5,974
Ending balance: collectively evaluated for impairment	$	60,801		$	220,383		$	153,744		$	5,616		$	―		$	440,544
From time to time, the Bank may agree to modify the contractual terms of a borrower's loan. In cases where the modifications represent a concession to a borrower experiencing financial difficulty, the modification is considered a troubled debt restructuring ("TDR").
The outstanding balance of TDRs as of March 31, 2014 and December 31, 2013 was $4,001,000 and $3,961,000, respectively. The increase in TDRs was attributable to deterioration in the respective borrowers' financial position, and in some cases a declining collateral value, along with the Bank's proactive monitoring of the loan portfolio. As of March 31, 2014 and December 31, 2013, there were no unfunded commitments on any TDRs.
During the three months ended March 31, 2014, three loans with a combined post modification balance of $57,000 were classified as TDRs, as compared to the three months ended March 31, 2013, when eight loans with a combined post modification balance of $3,613,000 were classified as TDRs. The loan modifications for the three months ended March 31, 2014 consisted of one term modification and two payment modifications. The loan modifications for the three months ended March 31, 2013 consisted of two interest rate modifications and six payment modifications.
The following table presents the unpaid balance of TDRs at the dates indicated:
(Dollars in thousands)
	March 31,			December 31,
	2014			2013
Non-accrual TDRs	$	1,537		$	1,538
Accruing TDRs		2,464			2,423
Total	$	4,001		$	3,961
At March 31, 2014, six Commercial Real Estate loans classified as TDRs with a combined recorded investment of $2,153,000 were not in compliance with the terms of their restructure, compared to March 31, 2013 when four Commercial Real Estate loans classified as TDRs with a combined recorded investment of $432,000 were not in compliance with the terms of their restructure.
The following table presents information regarding the loan modifications categorized as TDRs during the three months ended March 31, 2014 and March 31, 2013:
(Dollars in thousands, except number of contracts)
	Three Months Ended March 31, 2014
				Pre-			Post-
				Modification			Modification
	Number			Outstanding			Outstanding
	of			Recorded			Recorded			Recorded
	Contracts			Investment			Investment			Investment
Commercial and Industrial		1		$	18		$	18		$	18
Commercial Real Estate		1			32			32			32
Consumer		1			7			7			7
Total		3		$	57		$	57		$	57
(Dollars in thousands, except number of contracts)
	Three Months Ended March 31, 2013
				Pre-			Post-
				Modification			Modification
	Number			Outstanding			Outstanding
	of			Recorded			Recorded			Recorded
	Contracts			Investment			Investment			Investment
Commercial and Industrial		―		$	―		$	―		$	―
Commercial Real Estate		8			3,613			3,613			3,548
Consumer		―			―			―			―
Total		8		$	3,613		$	3,613		$	3,548
The following table provides detail regarding the types of loan modifications made for loans categorized as TDRs during the three months ended March 31, 2014 and March 31, 2013 with the total number of each type of modification performed.
	Three Months Ended March 31, 2014												Three Months Ended March 31, 2013
	Rate			Term			Payment			Number			Rate			Term			Payment		Number
	Modification			Modification			Modification			Modified			Modification			Modification			Modification		Modified
Commercial and Industrial		―			―			1			1			―			―			―		―
Commercial Real Estate		―			1			―			1			2			―			6		8
Consumer		―			―			1			1			―			―			―		―
Total		―			1			2			3			2			―			6		8
The recorded investment, unpaid principal balance, and the related allowance of the Corporation's impaired loans are summarized below for the periods ended March 31, 2014 and December 31, 2013.
(Dollars in thousands)	31-Mar-14									31-Dec-13
				Unpaid									Unpaid
	Recorded			Principal			Related			Recorded			Principal			Related
	Investment			Balance			Allowance			Investment			Balance			Allowance
With no related allowance recorded:
Commercial and Industrial	$	36		$	182		$	―		$	21		$	167		$	―
Commercial Real Estate		5,230			5,887			―			4,810			5,503			―
Residential Real Estate		991			1,315			―			868			1,176			―
Consumer		7			7			―			―			―			―
With an allowance recorded:
Commercial and Industrial		―			―			―			―			―			―
Commercial Real Estate		―			―			―			212			212			125
Residential Real Estate		―			―			―			63			63			15
Consumer		―			―			―			―			―			―
Total	$	6,264		$	7,391		$	―		$	5,974		$	7,121		$	140
Total consists of:
Commercial and Industrial	$	36		$	182		$	―		$	21		$	167		$	―
Commercial Real Estate	$	5,230		$	5,887		$	―		$	5,022		$	5,715		$	125
Residential Real Estate	$	991		$	1,315		$	―		$	931		$	1,239		$	15
Consumer	$	7		$	7		$	―		$	―		$	―		$	―
At March 31, 2014 and December 31, 2013, $4,001,000 and $3,961,000 of loans classified as TDRs were included in impaired loans with a total allocated allowance of $0 and $0, respectively. The recorded investment represents the loan balance reflected on the Consolidated Balance Sheets net of any charge-offs. The unpaid balance is equal to the gross amount due on the loan.
The average recorded investment and interest income recognized for the Corporation's impaired loans are summarized below for the quarterly periods ended March 31, 2014 and March 31, 2013.
(Dollars in thousands)	31-Mar-14						31-Mar-13
	Average			Interest			Average			Interest
	Recorded			Income			Recorded			Income
	Investment			Recognized			Investment			Recognized
With no related allowance recorded:
Commercial and Industrial	$	37		$	―		$	246		$	―
Commercial Real Estate		5,298			21			4,189			18
Residential Real Estate		1,003			1			1,253			―
Consumer		7			―			―			―
With an allowance recorded:
Commercial and Industrial		―			―			―			―
Commercial Real Estate		―			―			204			―
Residential Real Estate		―			―			70			―
Consumer		―			―			―			―
Total	$	6,345		$	22		$	5,962		$	18
Total consists of:
Commercial and Industrial	$	37		$	―		$	246		$	―
Commercial Real Estate	$	5,298		$	21		$	4,393		$	18
Residential Real Estate	$	1,003		$	1		$	1,323		$	―
Consumer	$	7		$	―		$	―		$	―
Financing receivables on non-accrual status, loans past-due 90 days or more and still accruing, and foreclosed assets held for resale as of March 31, 2014 and December 31, 2013 were as follows:
(Dollars in thousands)
	March 31,			December 31,
	2014			2013
Commercial and Industrial	$	18		$	21
Commercial real estate		2,791			2,599
Residential real estate		991			931
Total non-accrual loans		3,800			3,551
Loans past-due 90 days or more and still accruing		285			318
Foreclosed assets held for resale		440			480
Total non-performing assets	$	4,525		$	4,349
The following tables present the classes of the loan portfolio summarized by the past-due status at March 31, 2014 and December 31, 2013:
(Dollars in thousands)
																			90 Days
																			Or Greater
							90 Days									Total			Past Due
	30-59 Days			60-89 Days			or Greater			Total						Financing			and Still
	Past Due			Past Due			Past Due			Past Due			Current			Receivables			Accruing
March 31, 2014:
Commercial and Industrial	$	135		$	―		$	18		$	153		$	64,588		$	64,741		$	―
Commercial Real Estate		1,107			550			3,073			4,730			224,555			229,285			282
Residential Real Estate		1,444			839			920			3,203			153,247			156,450			3
Consumer		11			―			―			11			5,424			5,435			―
Total	$	2,697		$	1,389		$	4,011		$	8,097		$	447,814		$	455,911		$	285
(Dollars in thousands)
																			90 Days
																			Or Greater
							90 Days									Total			Past Due
	30-59 Days			60-89 Days			or Greater			Total						Financing			and Still
	Past Due			Past Due			Past Due			Past Due			Current			Receivables			Accruing
December 31, 2013:
Commercial and Industrial	$	7		$	7		$	40		$	54		$	60,768		$	60,822		$	19
Commercial Real Estate		875			653			1,367			2,895			222,510			225,405			180
Residential Real Estate		1,751			248			926			2,925			151,750			154,675			119
Consumer		30			12			―			42			5,574			5,616			―
Total	$	2,663		$	920		$	2,333		$	5,916		$	440,602		$	446,518		$	318
At March 31, 2014 and December 31, 2013, there were no commitments to lend additional funds with respect to impaired loans.

BORROWINGS

BORROWINGS

3 Months Ended

Mar. 31, 2014

BORROWINGS [Abstract]

'

BORROWINGS

'

NOTE 5 - BORROWINGS

Short-term borrowings include federal funds purchased, securities sold under agreements to repurchase, Federal Discount Window, and Federal Home Loan Bank ("FHLB") advances, which generally represent overnight or less than 30-day borrowings.

Securities Sold Under Agreements to Repurchase ("Repurchase Agreements")

The Corporation enters into agreements under which it sells securities subject to an obligation to repurchase the same or similar securities. Under these arrangements, the Corporation may transfer legal control over the assets but still retain effective control through an agreement that both entitles and obligates the Corporation to repurchase the assets.

As a result, these repurchase agreements are accounted for as collateralized financing agreements (i.e., secured borrowings) and not as a sale and subsequent repurchase of securities. The obligation to repurchase the securities is reflected as a liability on the Corporation's Consolidated Balance Sheets, while the securities underlying the repurchase agreements remain in the respective investment securities asset accounts. In other words, there is not offsetting or netting of the investment securities assets with the repurchase agreement liabilities. In addition, as the Corporation does not enter into reverse repurchase agreements, there is no such offsetting to be done with the repurchase agreements.

The right of setoff for a repurchase agreement resembles a secured borrowing, whereby the collateral would be used to settle the fair value of the repurchase agreement should the Corporation be in default (e.g., fails to make an interest payment to the counterparty). The collateral is held by a correspondent bank in the counterparty's custodial account. The counterparty has the right to sell or repledge the investment securities.

The following table presents the short-term borrowings subject to an enforceable master netting arrangement or repurchase agreements as of March 31, 2014 and December 31, 2013.

(Dollars in thousands)

Gross

Net Amounts

Amounts

of Liabilities

Offset

Presented

Gross

in the

in the

Amounts of

Consolidated

Consolidated

Cash

Recognized

Balance

Balance

Financial

Collateral

Net

Liabilities

Sheet

Sheet

Instruments

Pledge

Amount

31-Mar-14

Repurchase agreements (a)

$

16,565

$

―

$

16,565

$

(16,565

)

$

―

$

―

31-Dec-13

Repurchase agreements (a)

$

16,261

$

―

$

16,261

$

(16,261

)

$

―

$

―

(a) As of March 31, 2014 and December 31, 2013, the fair value of securities pledged in connection with repurchase agreements was $25,842,000 and $26,575,000, respectively.

Long-term borrowings are comprised of advances from FHLB and a capital lease assumed as a result of the acquisition of Pocono Community Bank in the amount of $811,000. Under terms of a blanket agreement, collateral for the FHLB loans is certain qualifying assets of the Corporation's banking subsidiary. The principal assets are real estate mortgages and certain investment securities.

COMMITMENTS_AND_CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	3 Months Ended
	Mar. 31, 2014
COMMITMENTS AND CONTINGENCIES [Abstract]	'
COMMITMENTS AND CONTINGENCIES	'
	NOTE 6 - COMMITMENTS AND CONTINGENCIES
	In the normal course of business, there are various pending legal actions and proceedings that are not reflected in the consolidated financial statements. Management does not believe the outcome of these actions and proceedings will have a material effect on the consolidated financial position or results of operations of the Corporation.

FINANCIAL_INSTRUMENTS_WITH_OFF

FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK AND CONCENTRATIONS OF CREDIT RISK	3 Months Ended
	Mar. 31, 2014
FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK AND CONCENTRATIONS OF CREDIT RISK [Abstract]	'
FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK AND CONCENTRATIONS OF CREDIT RISK	'
	NOTE 7 - FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK AND CONCENTRATIONS OF CREDIT RISK
	The Corporation is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. Those instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the consolidated balance sheets. The contract or notional amounts of those instruments reflect the extent of involvement the Corporation has in particular classes of financial instruments. The Corporation does not engage in trading activities with respect to any of its financial instruments with off-balance sheet risk.
	The Corporation's exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit is represented by the contractual notional amount of those instruments.
	The Corporation uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments.
	The Corporation may require collateral or other security to support financial instruments with off-balance sheet credit risk.
	The contract or notional amounts at March 31, 2014 and December 31, 2013, were as follows:
	(Dollars in thousands)
		March 31,		December 31,
		2014		2013
	Financial instruments whose contract amounts represent credit risk:
	Commitments to extend credit	$	62,684	$	64,064
	Financial standby letters of credit	$	661	$	418
	Performance standby letters of credit	$	4,402	$	4,449
	Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses that may require payment of a fee. Since some of the commitments may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Corporation evaluates each customer's creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Corporation upon extension of credit, is based on management's credit evaluation of the borrower. Collateral held varies but may include accounts receivable, inventory, property, plant and equipment, owner-occupied income-producing commercial properties, and residential real estate.
	Standby letters of credit are conditional commitments issued by the Corporation to guarantee payment to a third party when a customer either fails to repay an obligation or fails to perform some non-financial obligation. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. The Corporation may hold collateral to support standby letters of credit for which collateral is deemed necessary.
	The Corporation grants commercial, agricultural, real estate mortgage and consumer loans to customers primarily in the counties of Columbia, Luzerne, Montour and Monroe, Pennsylvania. The concentrations of credit by type of loan are set forth in Note 4 - Loans and Allowance for Loan Losses. It is management's opinion that the loan portfolio was well balanced and diversified at March 31, 2014, to the extent necessary to avoid any significant concentration of credit risk. However, its debtor's ability to honor their contracts may be influenced by the region's economy.

FAIR_VALUE_MEASUREMENTS

FAIR VALUE MEASUREMENTS

3 Months Ended

Mar. 31, 2014

FAIR VALUE MEASUREMENTS [Abstract]

'

FAIR VALUE MEASUREMENTS

'

NOTE 8 - FAIR VALUE MEASUREMENTS

Fair value measurement and disclosure guidance defines fair value as the price that would be received to sell the asset or transfer the liability in an orderly transaction (that is, not a forced liquidation or distressed sale) between market participants at the measurement date under current market conditions. This guidance provides additional information on determining when the volume and level of activity for the asset or liability has significantly decreased. The guidance also includes information on identifying circumstances when a transaction may not be considered orderly.

Fair value measurement and disclosure guidance provides a list of factors that a reporting entity should evaluate to determine whether there has been a significant decrease in the volume and level of activity for the asset or liability in relation to normal market activity for the asset or liability. When the reporting entity concludes there has been a significant decrease in the volume and level of activity for the asset or liability, further analysis of the information from that market is needed and significant adjustments to the related prices may be necessary to estimate fair value in accordance with the fair value measurement and disclosure guidance.

This guidance clarifies that when there has been a significant decrease in the volume and level of activity for the asset or liability, some transactions may not be orderly. In those situations, the entity must evaluate the weight of the evidence to determine whether the transaction is orderly. The guidance provides a list of circumstances that may indicate that a transaction is not orderly. A transaction price that is not associated with an orderly transaction is given little, if any, weight when estimating fair value.

Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Inputs to valuation techniques refer to the assumptions that market participants would use in pricing the asset or liability. Inputs may be observable, meaning those that reflect the assumptions market participants would use in pricing the asset or liability developed based on market data obtained from independent sources, or unobservable, meaning those that reflect the reporting entity's own belief about the assumptions market participants would use in pricing the asset or liability based upon the best information available in the circumstances. Fair value measurement and disclosure guidance establishes a fair value hierarchy for valuation inputs that gives the highest priority 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 that are accessible at the measurement date for identical, unrestricted assets or liabilities;

Level 2 Inputs: Quoted prices in markets that are not active, or inputs that are observable either directly or indirectly, for substantially the full term of the asset or liability;

Level 3 Input: Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e., supported by little or no market activity).

A description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy, is set forth as follows.

Financial Assets Measured at Fair Value on a Recurring Basis

At March 31, 2014 and December 31, 2013, investments measured at fair value on a recurring basis and the valuation methods used are as follows:

(Dollars in thousands)

31-Mar-14

Level 1

Level 2

Level 3

Total

Available-for-Sale Securities:

Obligations of U.S. Government Corporations and Agencies:

Mortgaged-backed

$

―

$

146,397

$

―

$

146,397

Other

―

27,000

―

27,000

Obligations of state and political subdivisions

―

140,971

―

140,971

Corporate securities

―

39,438

―

39,438

Marketable equity securities

2,518

―

―

2,518

Total

$

2,518

$

353,806

$

―

$

356,324

(Dollars in thousands)

31-Dec-13

Level 1

Level 2

Level 3

Total

Available-for-Sale Securities:

Obligations of U.S. Government Corporations and Agencies:

Mortgaged-backed

$

―

$

119,776

$

―

$

119,776

Other

―

33,733

―

33,733

Obligations of state and political subdivisions

―

148,389

―

148,389

Corporate securities

―

49,265

―

49,265

Marketable equity securities

2,535

―

―

2,535

Total

$

2,535

$

351,163

$

―

$

353,698

The estimated fair values of equity securities classified as Level 1 are derived from quoted market prices in active markets; these assets consist mainly of stocks held in other banks. The estimated fair values of all debt securities classified as Level 2 are obtained from nationally-recognized third-party pricing agencies. The estimated fair values are derived primarily from cash flow models, which include assumptions for interest rates, credit losses, and prepayment speeds. The significant inputs utilized in the cash flow models are based on market data obtained from sources independent of the Corporation (observable inputs), and are therefore classified as Level 2 within the fair value hierarchy. The Corporation does not have any Level 3 inputs for investments. There were no transfers between Level 1 and Level 2 during the first quarter of 2014 or 2013.

Financial Assets Measured at Fair Value on a Nonrecurring Basis

At March 31, 2014 and December 31, 2013, impaired loans measured at fair value on a non-recurring basis and the valuation methods used are as follows:

(Dollars in thousands)

Level 1

Level 2

Level 3

Total

Assets at March 31, 2014

Impaired loans:

Commercial and Industrial

$

―

$

―

$

18

$

18

Commercial Real Estate

―

―

640

640

Residential Real Estate

―

―

619

619

Total impaired loans

$

―

$

―

$

1,277

$

1,277

(Dollars in thousands)

Level 1

Level 2

Level 3

Total

Assets at December 31, 2013

Impaired loans:

Commercial and Industrial

$

―

$

―

$

21

$

21

Commercial Real Estate

―

―

656

656

Residential Real Estate

―

―

621

621

Total impaired loans

$

―

$

―

$

1,298

$

1,298

The Bank's impaired loan valuation procedure for any loans greater than $250,000 requires an appraisal to be obtained and reviewed annually at year end. A quarterly collateral evaluation is performed which may include a site visit, property pictures and discussions with realtors and other similar business professionals to ascertain current values. For impaired loans less than $250,000 upon classification and annually at year end, the Bank completes a Certificate of Inspection, which includes an onsite inspection, insured values, tax assessed values, recent sales comparisons and a review of the previous evaluations. These assets are included as Level 3 fair values, based upon the lowest level that is significant to the fair value measurements. The fair value consists of the impaired loan balances less the valuation allowance and/or charge-offs. There were no transfers between valuation levels in 2014 and 2013.

Nonfinancial Assets Measured at Fair Value on a Nonrecurring Basis

At March 31, 2014 and December 31, 2013, foreclosed assets held for resale measured at fair value on a non-recurring basis and the valuation methods used are as follows:

(Dollars in thousands)

Level 1

Level 2

Level 3

Total

Assets at March 31, 2014

Other foreclosed assets held for resale:

Commercial Real Estate

$

―

$

―

$

395

$

395

Total foreclosed assets held for resale

$

―

$

―

$

395

$

395

(Dollars in thousands)

Level 1

Level 2

Level 3

Total

Assets at December 31, 2013

Other foreclosed assets held for resale:

Commercial Real Estate

$

―

$

―

$

―

$

―

Total foreclosed assets held for resale

$

―

$

―

$

―

$

―

The Bank's foreclosed asset valuation procedure requires an appraisal, which considers the sales prices of similar properties in the proximate vicinity, to be completed periodically with the exception of those cases which the Bank has obtained a sales agreement. These assets are included as Level 3 fair values, based upon the lowest level that is significant to the fair value measurements. There were no transfers between valuation levels in 2014 and 2013.

The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis and for which the Bank has utilized Level 3 inputs to determine the fair value:

(Dollars in thousands)

Quantitative Information about Level 3 Fair Value Measurements

Fair Value

Weighted

Estimate

Valuation Technique

Unobservable Input

Range

Average

Assets at March 31, 2014

Impaired loans

$

1,277

Appraisal of collateral1,3

Appraisal adjustments2

(10%) - (35%)

(17%

)

Foreclosed assets held for resale

395

Appraisal of collateral1,3

Appraisal adjustments2

(10%) - (35%)

(10%

)

(Dollars in thousands)

Quantitative Information about Level 3 Fair Value Measurements

Fair Value

Weighted

Estimate

Valuation Technique

Unobservable Input

Range

Average

Assets at December 31, 2013

Impaired loans

$

1,298

Appraisal of collateral1,3

Appraisal adjustments2

(10%) - (35%)

(23%

)

Foreclosed assets held for resale

―

Appraisal of collateral1,3

Appraisal adjustments2

(0%) - (0%)

(0%

)

1Fair value is generally determined through independent appraisals of the underlying collateral, as defined by Bank regulators.

2Appraisals may be adjusted downward by management for qualitative factors such as economic conditions and estimated liquidation expenses. The typical range of appraisal adjustments are presented as a percent of the appraisal value.

3Includes qualitative adjustments by management and estimated liquidation expenses.

Fair Value of Financial Instruments

(Dollars in thousands)

Carrying

Fair Value Measurements at March 31, 2014

Amount

Level 1

Level 2

Level 3

Total

FINANCIAL ASSETS:

Cash and due from banks

$

8,310

$

8,310

$

―

$

―

$

8,310

Interest-bearing deposits in other banks

1,511

―

1,511

―

1,511

Investment securities available-for-sale

356,324

2,518

353,806

―

356,324

Investment securities held-to-maturity

1,068

―

1,077

―

1,077

Restricted investment in bank stocks

5,207

―

5,207

―

5,207

Net loans

449,434

―

―

454,261

454,261

Mortgage servicing rights

498

―

―

498

498

Accrued interest receivable

3,502

―

3,502

―

3,502

FINANCIAL LIABILITIES:

Deposits

669,525

―

669,983

―

669,983

Short-term borrowings

73,656

―

73,656

―

73,656

Long-term borrowings

45,405

―

46,446

―

46,446

Accrued interest payable

413

―

413

―

413

OFF-BALANCE SHEET FINANCIAL  INSTRUMENTS

―

―

―

―

―

(Dollars in thousands)

Carrying

Fair Value Measurements at December 31, 2013

Amount

Level 1

Level 2

Level 3

Total

FINANCIAL ASSETS:

Cash and due from banks

$

8,257

$

8,257

$

―

$

―

$

8,257

Interest-bearing deposits in other banks

22,366

―

22,366

―

22,366

Investment securities available-for-sale

353,698

2,535

351,163

―

353,698

Investment securities held-to-maturity

1,072

―

1,083

―

1,083

Restricted investment in bank stocks

4,761

―

4,761

―

4,761

Net loans

439,999

―

―

443,844

443,844

Mortgage servicing rights

521

―

―

521

521

Accrued interest receivable

3,616

―

3,616

―

3,616

FINANCIAL LIABILITIES:

Deposits

690,075

―

690,771

―

690,771

Short-term borrowings

68,233

―

68,233

―

68,233

Long-term borrowings

40,429

―

41,288

―

41,288

Accrued interest payable

392

―

392

―

392

OFF-BALANCE SHEET FINANCIAL  INSTRUMENTS

―

―

―

―

―

The preceding information should not be interpreted as an estimate of the fair value of the entire Corporation since a fair value calculation is only provided for a limited portion of the Corporation's assets and liabilities. Due to a wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparisons between the Corporation's disclosures and those of other companies may not be meaningful. The following methods and assumptions were used to estimate the fair values of the Corporation's financial instruments at March 31, 2014 and December 31, 2013:

Cash and Due From Banks, Interest-Bearing Deposits in Other Banks, Restricted Investment in Bank Stocks, Accrued Interest Receivable and Accrued Interest Payable

The fair values are equal to the current carrying values.

Investment Securities

The fair value of investment securities are determined by obtaining quoted market prices on nationally recognized securities exchanges (Level 1) or matrix pricing (Level 2), which is a mathematical technique used widely in the industry to value debt securities without relying on the securities' relationship to other benchmark quoted prices.

Loans

Fair values are estimated for categories of loans with similar financial characteristics. Loans were segregated by type such as Commercial and Industrial, Commercial and Residential Real Estate mortgages and Consumer. For estimation purposes, each loan category was further segmented into fixed and adjustable rate interest terms.

The fair value of each category of performing loans is calculated by discounting future cash flows using the current rates at which similar loans would be made to borrowers with similar credit ratings and for the same remaining maturities.

Fair value for impaired loans is based on management's estimate of future cash flows discounted using a rate commensurate with the risk associated with the estimated future cash flows or based on the value of the collateral if repayment is expected solely from collateral. The assumptions used by management are judgmentally determined using specific borrower information.

Mortgage Servicing Rights

The fair value of servicing rights is based on the present value of estimated future cash flows on pools of mortgages stratified by rate and maturity date.

Deposits

The fair value of deposits with no stated maturity, such as demand deposits, savings accounts and money market accounts, is equal to the amount payable on demand at March 31, 2014 and December 31, 2013.

Fair values for fixed-rate certificates of deposit are estimated using a discounted cash flow calculation that applies interest rates currently being offered on similar term borrowings, to a schedule of aggregated expected monthly maturities on time deposits.

Short-Term and Long-Term Borrowings

The fair values of short-term borrowings are equal to the current carrying values, and long-term borrowings are estimated using discounted cash flow analyses based on the Corporation's incremental borrowing rate for similar instruments.

Off-Balance Sheet Financial Instruments

The fair values for the Corporation's off-balance sheet financial instruments (lending commitments and letters of credit) are based on fees currently charged in the market to enter into similar agreements, taking into account the remaining terms of the agreements and the counterparties' credit standing.

EARNINGS_PER_SHARE

EARNINGS PER SHARE	3 Months Ended
	Mar. 31, 2014
EARNINGS PER SHARE [Abstract]	'
EARNINGS PER SHARE	'
	NOTE 9 - EARNINGS PER SHARE
	Basic earnings per share ("EPS") is computed by dividing net income by the weighted average number of common shares outstanding for the period. Diluted EPS reflects the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock or resulted in the issuance of common stock that then shared in the earnings of the Corporation. Potential common shares that may be issued by the Corporation relate solely to outstanding stock options and are determined using the treasury stock method. The following table sets forth the computation of basic and diluted earnings per share.
	(In thousands, except earnings per share)
		Three Months		Three Months
		Ended		Ended
		31-Mar-14		31-Mar-13
	Net income	$	2,298	$	2,526
	Weighted-average common shares outstanding		5,521		5,419
	Basic earnings per share	$	0.42	$	0.47
	Weighted-average common shares outstanding		5,521		5,419
	Common stock equivalents due to effect of stock options		5		12
	Total weighted-average common shares and equivalents		5,526		5,431
	Diluted earnings per share	$	0.42	$	0.47

INVESTMENT_SECURITIES_Tables

INVESTMENT SECURITIES (Tables)	3 Months Ended
	Mar. 31, 2014
INVESTMENT SECURITIES [Abstract]	'
Schedule of Amortized Cost, Related Estimated Fair Value, and Unrealized Gains and Losses for Investment Securities	'
	The amortized cost, related estimated fair value, and unrealized gains and losses for investment securities classified as "Available-For-Sale" or "Held-to-Maturity" were as follows at March 31, 2014 and December 31, 2013:
		Available-for-Sale Securities
	(Dollars in thousands)				Gross			Gross
		Amortized			Unrealized			Unrealized			Fair
	March 31, 2014:	Cost			Gains			Losses			Value
	Obligations of U.S. Government Corporations and Agencies:
	Mortgage-backed	$	147,452		$	626		$	(1,681	)	$	146,397
	Other		26,793			240			(33	)		27,000
	Obligations of state and political subdivisions		136,911			5,352			(1,292	)		140,971
	Corporate securities		40,111			224			(897	)		39,438
	Marketable equity securities		1,533			985			―			2,518
	Total	$	352,800		$	7,427		$	(3,903	)	$	356,324
		Held-to-Maturity Securities
	(Dollars in thousands)				Gross			Gross
		Amortized			Unrealized			Unrealized			Fair
	March 31, 2014:	Cost			Gains			Losses			Value
	Obligations of U.S. Government Corporations and Agencies:
	Mortgage-backed	$	68		$	3		$	―		$	71
	Other		1,000			6			―			1,006
	Total	$	1,068		$	9		$	―		$	1,077
		Available-for-Sale Securities
	(Dollars in thousands)				Gross			Gross
		Amortized			Unrealized			Unrealized			Fair
	December 31, 2013:	Cost			Gains			Losses			Value
	Obligations of U.S. Government Corporations and Agencies:
	Mortgage-backed	$	121,209		$	598		$	(2,031	)	$	119,776
	Other		33,559			238			(64	)		33,733
	Obligations of state and political subdivisions		147,112			4,136			(2,859	)		148,389
	Corporate securities		50,266			416			(1,417	)		49,265
	Marketable equity securities		1,533			1,004			(2	)		2,535
	Total	$	353,679		$	6,392		$	(6,373	)	$	353,698
		Held-to-Maturity Securities
	(Dollars in thousands)				Gross			Gross
		Amortized			Unrealized			Unrealized			Fair
	December 31, 2013:	Cost			Gains			Losses			Value
	Obligations of U.S. Government Corporations and Agencies:
	Mortgage-backed	$	72		$	3		$	―		$	75
	Other		1,000			8			―			1,008
	Total	$	1,072		$	11		$	―		$	1,083
Schedule of Amortized Cost, Estimated Fair Value and Weighted Average Yield of Debt Securities, by Contractual Maturity	'
	The amortized cost, estimated fair value and weighted average yield of debt and equity securities, by contractual maturity, are shown below at March 31, 2014. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.
	(Dollars in thousands)
		31-Mar-14
		Available-For-Sale												Held-To-Maturity
		U.S. Government			Obligations									U.S. Government
		Corporations &			of State			Marketable						Corporations &
		Agencies			& Political			Equity			Corporate			Agencies
		Obligations1			Subdivisions2			Securities3			Securities3			Obligations1
	Within 1 Year:
	Amortized cost	$	4,510		$	245		$	―		$	6,058		$	―
	Fair value		4,527			246			―			6,115			―
	Weighted average yield		0.96	%		5.1	%		―			2.44	%		―
	1 - 5 Years:
	Amortized cost		2,532			10,015			―			3,601			1,068
	Fair value		2,553			10,503			―			3,698			1,077
	Weighted average yield		0.87	%		4.17	%		―			2.29	%		0.85	%
	5 - 10 Years:
	Amortized cost		8,827			42,640			―			30,452			―
	Fair value		8,899			42,329			―			29,625			―
	Weighted average yield		2.02	%		3.53	%		―			3.02	%		―
	After 10 Years:
	Amortized cost		158,376			84,011			1,533			―			―
	Fair value		157,418			87,893			2,518			―			―
	Weighted average yield		2.27	%		6.03	%		2.28	%		―			―
	Total:
	Amortized cost	$	174,245		$	136,911		$	1,533		$	40,111		$	1,068
	Fair value		173,397			140,971			2,518			39,438			1,077
	Weighted average yield		2.2	%		5.11	%		2.28	%		2.87	%		0.85	%
	1Mortgage-backed securities are allocated for maturity reporting at their original maturity date.
	2Average yields on tax-exempt obligations of state and political subdivisions have been computed on a tax-equivalent basis using a 34% tax rate.
	3Marketable equity securities are not considered to have defined maturities and are included in the after ten year category.
Schedule of Investment Securities That Have Been in Continuous Unrealized Loss Position for Less Than 12 Months or More Than 12 Months	'
	In accordance with disclosures required by FASB ASC 320-10-50, Investments - Debt and Equity Securities, the summary below shows the gross unrealized losses and fair value of the Corporation's investments, aggregated by investment category, that individual securities have been in a continuous unrealized loss position for less than 12 months or 12 months or more as of March 31, 2014 and December 31, 2013:
	31-Mar-14
	(Dollars in thousands)	Less Than 12 Months						12 Months or More						Total
		Fair			Unrealized			Fair			Unrealized			Fair			Unrealized
		Value			Loss			Value			Loss			Value			Loss
	Available-for-Sale:
	Obligations of U.S. Government Corporations and Agencies:
	Mortgage-backed	$	129,853		$	(1,681	)	$	―		$	―		$	129,853		$	(1,681	)
	Other		8,244			(33	)		―			―			8,244			(33	)
	Obligations of state and political subdivisions		34,561			(1,292	)		―			―			34,561			(1,292	)
	Corporate securities		23,562			(897	)		―			―			23,562			(897	)
		$	196,220		$	(3,903	)	$	―		$	―		$	196,220		$	(3,903	)
	31-Dec-13
	(Dollars in thousands)	Less Than 12 Months						12 Months or More						Total
		Fair			Unrealized			Fair			Unrealized			Fair			Unrealized
		Value			Loss			Value			Loss			Value			Loss
	Available-for-Sale:
	Obligations of U.S. Government Corporations and Agencies:
	Mortgage-backed	$	97,312		$	(2,031	)	$	―		$	―		$	97,312		$	(2,031	)
	Other		6,404			(64	)		―			―			6,404			(64	)
	Obligations of state and political subdivisions		48,853			(2,859	)		―			―			48,853			(2,859	)
	Corporate securities		26,099			(1,417	)		―			―			26,099			(1,417	)
	Marketable equity securities		21			(2	)		―			―			21			(2	)
		$	178,689		$	(6,373	)	$	―		$	―		$	178,689		$	(6,373	)

LOANS_AND_ALLOWANCE_FOR_LOAN_L1

LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)	3 Months Ended
	Mar. 31, 2014
LOANS AND ALLOWANCE FOR LOAN LOSSES [Abstract]	'
Schedule of Credit Quality Indicators by Loan Segment	'
	The credit quality indicators by loan segment are summarized below at March 31, 2014 and December 31, 2013:
		Commercial and
	(Dollars in thousands)	Industrial						Commercial Real Estate
		March 31,			December 31,			March 31,			December 31,
		2014			2013			2014			2013
	Grade:
	1-6  Pass	$	64,436		$	60,614		$	223,943		$	219,925
	7 Special Mention		120			65			953			1,717
	8 Substandard		36			21			4,402			3,782
	9 Doubtful		―			―			―			―
	Add (deduct): Unearned discount and		―			―			―			―
	Net deferred loan fees and costs		149			122			(13	)		(19	)
	Total loans	$	64,741		$	60,822		$	229,285		$	225,405
		Residential Real Estate
		Including Home Equity						Consumer Loans
		March 31,			December 31,			March 31,			December 31,
		2014			2013			2014			2013
	Grade:
	1-6 Pass	$	154,939		$	153,292		$	5,415		$	5,612
	7 Special Mention		246			180			2			2
	8 Substandard		991			931			8			―
	9 Doubtful		―			―			―			―
	Add (deduct): Unearned discount and		―			―			(76	)		(87	)
	Net deferred loan fees and costs		274			272			86			89
	Total loans	$	156,450		$	154,675		$	5,435		$	5,616
		Total Loans
		March 31,			December 31,
		2014			2013
	Grade:
	1-6 Pass	$	448,733		$	439,443
	7 Special Mention		1,321			1,964
	8 Substandard		5,437			4,734
	9 Doubtful		―			―
	Add (deduct): Unearned discount and		(76	)		(87	)
	Net deferred loan fees and costs		496			464
	Total loans	$	455,911		$	446,518
Schedule of Allowance for Loan Losses	'
	The activity in the allowance for loan losses, by loan segment, is summarized below for the periods indicated.
	(Dollars in thousands)	Commercial			Commercial			Residential
		and Industrial			Real Estate			Real Estate			Consumer			Unallocated			Total
	As of and for the period ended March 31, 2014:
	Allowance for Loan Losses:
	Beginning balance	$	776		$	3,320		$	1,565		$	53		$	805		$	6,519
	Charge-offs		(7	)		(141	)		(30	)		(8	)		―			(186	)
	Recoveries		2			―			9			―			―			11
	Provision		54			119			23			7			(70	)		133
	Ending Balance	$	825		$	3,298		$	1,567		$	52		$	735		$	6,477
	Ending balance: individually evaluated for impairment	$	―		$	―		$	―		$	―		$	―		$	―
	Ending balance: collectively evaluated for impairment	$	825		$	3,298		$	1,567		$	52		$	735		$	6,477
	Financing Receivables:
	Ending Balance	$	64,741		$	229,285		$	156,450		$	5,435		$	―		$	455,911
	Ending balance: individually evaluated for impairment	$	36		$	5,230		$	991		$	7		$	―		$	6,264
	Ending balance: collectively evaluated for impairment	$	64,705		$	224,055		$	155,459		$	5,428		$	―		$	449,647
	(Dollars in thousands)	Commercial			Commercial			Residential
		and Industrial			Real Estate			Real Estate			Consumer			Unallocated			Total
	As of and for the period ended March 31, 2013:
	Allowance for Loan Losses:
	Beginning balance	$	573		$	2,837		$	1,524		$	80		$	758		$	5,772
	Charge-offs		―			(145	)		(132	)		(5	)		―			(282	)
	Recoveries		11			―			―			1			―			12
	Provision		100			111			139			(2	)		52			400
	Ending Balance	$	684		$	2,803		$	1,531		$	74		$	810		$	5,902
	Ending balance: individually evaluated for impairment	$	―		$	111		$	154		$	―		$	―		$	265
	Ending balance: collectively evaluated for impairment	$	684		$	2,692		$	1,377		$	74		$	810		$	5,637
	Financing Receivables:
	Ending Balance	$	58,582		$	219,130		$	144,728		$	5,970		$	―		$	428,410
	Ending balance: individually evaluated for impairment	$	245		$	4,356		$	1,253		$	―		$	―		$	5,854
	Ending balance: collectively evaluated for impairment	$	58,337		$	214,774		$	143,475		$	5,970		$	―		$	422,556
	(Dollars in thousands)	Commercial			Commercial			Residential
		and Industrial			Real Estate			Real Estate			Consumer			Unallocated			Total
	As of December 31, 2013:
	Allowance for Loan Losses:
	Ending Balance	$	776		$	3,320		$	1,565		$	53		$	805		$	6,519
	Ending balance: individually evaluated for impairment	$	―		$	125		$	15		$	―		$	―		$	140
	Ending balance: collectively evaluated for impairment	$	776		$	3,195		$	1,550		$	53		$	805		$	6,379
	Financing Receivables:
	Ending Balance	$	60,822		$	225,405		$	154,675		$	5,616		$	―		$	446,518
	Ending balance: individually evaluated for impairment	$	21		$	5,022		$	931		$	―		$	―		$	5,974
	Ending balance: collectively evaluated for impairment	$	60,801		$	220,383		$	153,744		$	5,616		$	―		$	440,544
Schedule of Balance of TDRs	'
	The following table presents the unpaid balance of TDRs at the dates indicated:
	(Dollars in thousands)
		March 31,			December 31,
		2014			2013
	Non-accrual TDRs	$	1,537		$	1,538
	Accruing TDRs		2,464			2,423
	Total	$	4,001		$	3,961
Schedule of Loan and Lease Modifications Categorized as Troubled Debt Restructurings	'
	The following table presents information regarding the loan modifications categorized as TDRs during the three months ended March 31, 2014 and March 31, 2013:
	(Dollars in thousands, except number of contracts)
		Three Months Ended March 31, 2014
					Pre-			Post-
					Modification			Modification
		Number			Outstanding			Outstanding
		of			Recorded			Recorded			Recorded
		Contracts			Investment			Investment			Investment
	Commercial and Industrial		1		$	18		$	18		$	18
	Commercial Real Estate		1			32			32			32
	Consumer		1			7			7			7
	Total		3		$	57		$	57		$	57
	(Dollars in thousands, except number of contracts)
		Three Months Ended March 31, 2013
					Pre-			Post-
					Modification			Modification
		Number			Outstanding			Outstanding
		of			Recorded			Recorded			Recorded
		Contracts			Investment			Investment			Investment
	Commercial and Industrial		―		$	―		$	―		$	―
	Commercial Real Estate		8			3,613			3,613			3,548
	Consumer		―			―			―			―
	Total		8		$	3,613		$	3,613		$	3,548
Schedule of Information Regarding Types of Loan Modifications	'
	The following table provides detail regarding the types of loan modifications made for loans categorized as TDRs during the three months ended March 31, 2014 and March 31, 2013 with the total number of each type of modification performed.
		Three Months Ended March 31, 2014												Three Months Ended March 31, 2013
		Rate			Term			Payment			Number			Rate			Term			Payment		Number
		Modification			Modification			Modification			Modified			Modification			Modification			Modification		Modified
	Commercial and Industrial		―			―			1			1			―			―			―		―
	Commercial Real Estate		―			1			―			1			2			―			6		8
	Consumer		―			―			1			1			―			―			―		―
	Total		―			1			2			3			2			―			6		8
Schedule of Impaired Loans	'
	The recorded investment, unpaid principal balance, and the related allowance of the Corporation's impaired loans are summarized below for the periods ended March 31, 2014 and December 31, 2013.
	(Dollars in thousands)	31-Mar-14									31-Dec-13
					Unpaid									Unpaid
		Recorded			Principal			Related			Recorded			Principal			Related
		Investment			Balance			Allowance			Investment			Balance			Allowance
	With no related allowance recorded:
	Commercial and Industrial	$	36		$	182		$	―		$	21		$	167		$	―
	Commercial Real Estate		5,230			5,887			―			4,810			5,503			―
	Residential Real Estate		991			1,315			―			868			1,176			―
	Consumer		7			7			―			―			―			―
	With an allowance recorded:
	Commercial and Industrial		―			―			―			―			―			―
	Commercial Real Estate		―			―			―			212			212			125
	Residential Real Estate		―			―			―			63			63			15
	Consumer		―			―			―			―			―			―
	Total	$	6,264		$	7,391		$	―		$	5,974		$	7,121		$	140
	Total consists of:
	Commercial and Industrial	$	36		$	182		$	―		$	21		$	167		$	―
	Commercial Real Estate	$	5,230		$	5,887		$	―		$	5,022		$	5,715		$	125
	Residential Real Estate	$	991		$	1,315		$	―		$	931		$	1,239		$	15
	Consumer	$	7		$	7		$	―		$	―		$	―		$	―
	At March 31, 2014 and December 31, 2013, $4,001,000 and $3,961,000 of loans classified as TDRs were included in impaired loans with a total allocated allowance of $0 and $0, respectively. The recorded investment represents the loan balance reflected on the Consolidated Balance Sheets net of any charge-offs. The unpaid balance is equal to the gross amount due on the loan.
	The average recorded investment and interest income recognized for the Corporation's impaired loans are summarized below for the quarterly periods ended March 31, 2014 and March 31, 2013.
	(Dollars in thousands)	31-Mar-14						31-Mar-13
		Average			Interest			Average			Interest
		Recorded			Income			Recorded			Income
		Investment			Recognized			Investment			Recognized
	With no related allowance recorded:
	Commercial and Industrial	$	37		$	―		$	246		$	―
	Commercial Real Estate		5,298			21			4,189			18
	Residential Real Estate		1,003			1			1,253			―
	Consumer		7			―			―			―
	With an allowance recorded:
	Commercial and Industrial		―			―			―			―
	Commercial Real Estate		―			―			204			―
	Residential Real Estate		―			―			70			―
	Consumer		―			―			―			―
	Total	$	6,345		$	22		$	5,962		$	18
	Total consists of:
	Commercial and Industrial	$	37		$	―		$	246		$	―
	Commercial Real Estate	$	5,298		$	21		$	4,393		$	18
	Residential Real Estate	$	1,003		$	1		$	1,323		$	―
	Consumer	$	7		$	―		$	―		$	―
Schedule of Financing Receivables on Non-Accrual Status and Foreclosed Assets	'
	Financing receivables on non-accrual status, loans past-due 90 days or more and still accruing, and foreclosed assets held for resale as of March 31, 2014 and December 31, 2013 were as follows:
	(Dollars in thousands)
		March 31,			December 31,
		2014			2013
	Commercial and Industrial	$	18		$	21
	Commercial real estate		2,791			2,599
	Residential real estate		991			931
	Total non-accrual loans		3,800			3,551
	Loans past-due 90 days or more and still accruing		285			318
	Foreclosed assets held for resale		440			480
	Total non-performing assets	$	4,525		$	4,349
Schedule of Aging of Past-due Loans by Class of Loans	'
	The following tables present the classes of the loan portfolio summarized by the past-due status at March 31, 2014 and December 31, 2013:
	(Dollars in thousands)
																				90 Days
																				Or Greater
								90 Days									Total			Past Due
		30-59 Days			60-89 Days			or Greater			Total						Financing			and Still
		Past Due			Past Due			Past Due			Past Due			Current			Receivables			Accruing
	March 31, 2014:
	Commercial and Industrial	$	135		$	―		$	18		$	153		$	64,588		$	64,741		$	―
	Commercial Real Estate		1,107			550			3,073			4,730			224,555			229,285			282
	Residential Real Estate		1,444			839			920			3,203			153,247			156,450			3
	Consumer		11			―			―			11			5,424			5,435			―
	Total	$	2,697		$	1,389		$	4,011		$	8,097		$	447,814		$	455,911		$	285
	(Dollars in thousands)
																				90 Days
																				Or Greater
								90 Days									Total			Past Due
		30-59 Days			60-89 Days			or Greater			Total						Financing			and Still
		Past Due			Past Due			Past Due			Past Due			Current			Receivables			Accruing
	December 31, 2013:
	Commercial and Industrial	$	7		$	7		$	40		$	54		$	60,768		$	60,822		$	19
	Commercial Real Estate		875			653			1,367			2,895			222,510			225,405			180
	Residential Real Estate		1,751			248			926			2,925			151,750			154,675			119
	Consumer		30			12			―			42			5,574			5,616			―
	Total	$	2,663		$	920		$	2,333		$	5,916		$	440,602		$	446,518		$	318

BORROWINGS_Tables

BORROWINGS (Tables)

3 Months Ended

Mar. 31, 2014

BORROWINGS [Abstract]

'

Schedule of Repurchase Agreements

'

The following table presents the short-term borrowings subject to an enforceable master netting arrangement or repurchase agreements as of March 31, 2014 and December 31, 2013.

(Dollars in thousands)

Gross

Net Amounts

Amounts

of Liabilities

Offset

Presented

Gross

in the

in the

Amounts of

Consolidated

Consolidated

Cash

Recognized

Balance

Balance

Financial

Collateral

Net

Liabilities

Sheet

Sheet

Instruments

Pledge

Amount

31-Mar-14

Repurchase agreements (a)

$

16,565

$

―

$

16,565

$

(16,565

)

$

―

$

―

31-Dec-13

Repurchase agreements (a)

$

16,261

$

―

$

16,261

$

(16,261

)

$

―

$

―

(a) As of March 31, 2014 and December 31, 2013, the fair value of securities pledged in connection with repurchase agreements was $25,842,000 and $26,575,000, respectively.

FINANCIAL_INSTRUMENTS_WITH_OFF1

FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK AND CONCENTRATIONS OF CREDIT RISK (Tables)	3 Months Ended
	Mar. 31, 2014
FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK AND CONCENTRATIONS OF CREDIT RISK [Abstract]	'
Schedule of Contract or Notional Amounts of Financial Instruments with Off-balance Sheet Credit Risk	'
	The contract or notional amounts at March 31, 2014 and December 31, 2013, were as follows:
	(Dollars in thousands)
		March 31,		December 31,
		2014		2013
	Financial instruments whose contract amounts represent credit risk:
	Commitments to extend credit	$	62,684	$	64,064
	Financial standby letters of credit	$	661	$	418
	Performance standby letters of credit	$	4,402	$	4,449

FAIR_VALUE_MEASUREMENTS_Tables

FAIR VALUE MEASUREMENTS (Tables)	3 Months Ended
	Mar. 31, 2014
FAIR VALUE MEASUREMENTS [Abstract]	'
Schedule of Investments Measured at Fair Value on Recurring Basis	'
	At March 31, 2014 and December 31, 2013, investments measured at fair value on a recurring basis and the valuation methods used are as follows:
	(Dollars in thousands)
	31-Mar-14
		Level 1		Level 2			Level 3				Total
	Available-for-Sale Securities:
	Obligations of U.S. Government Corporations and Agencies:
	Mortgaged-backed	$	―	$	146,397		$	―			$	146,397
	Other		―		27,000			―				27,000
	Obligations of state and political subdivisions		―		140,971			―				140,971
	Corporate securities		―		39,438			―				39,438
	Marketable equity securities		2,518		―			―				2,518
	Total	$	2,518	$	353,806		$	―			$	356,324
	(Dollars in thousands)
	31-Dec-13
		Level 1		Level 2			Level 3				Total
	Available-for-Sale Securities:
	Obligations of U.S. Government Corporations and Agencies:
	Mortgaged-backed	$	―	$	119,776		$	―			$	119,776
	Other		―		33,733			―				33,733
	Obligations of state and political subdivisions		―		148,389			―				148,389
	Corporate securities		―		49,265			―				49,265
	Marketable equity securities		2,535		―			―				2,535
	Total	$	2,535	$	351,163		$	―			$	353,698
Schedule of Assets Measured at Fair Value on Non-Recurring Basis	'
	Financial Assets Measured at Fair Value on a Nonrecurring Basis
	At March 31, 2014 and December 31, 2013, impaired loans measured at fair value on a non-recurring basis and the valuation methods used are as follows:
	(Dollars in thousands)
		Level 1		Level 2			Level 3				Total
	Assets at March 31, 2014
	Impaired loans:
	Commercial and Industrial	$	―	$	―		$	18			$	18
	Commercial Real Estate		―		―			640				640
	Residential Real Estate		―		―			619				619
	Total impaired loans	$	―	$	―		$	1,277			$	1,277
	(Dollars in thousands)
		Level 1		Level 2			Level 3				Total
	Assets at December 31, 2013
	Impaired loans:
	Commercial and Industrial	$	―	$	―		$	21			$	21
	Commercial Real Estate		―		―			656				656
	Residential Real Estate		―		―			621				621
	Total impaired loans	$	―	$	―		$	1,298			$	1,298
	Nonfinancial Assets Measured at Fair Value on a Nonrecurring Basis
	At March 31, 2014 and December 31, 2013, foreclosed assets held for resale measured at fair value on a non-recurring basis and the valuation methods used are as follows:
	(Dollars in thousands)
		Level 1		Level 2			Level 3				Total
	Assets at March 31, 2014
	Other foreclosed assets held for resale:
	Commercial Real Estate	$	―	$	―		$	395			$	395
	Total foreclosed assets held for resale	$	―	$	―		$	395			$	395
	(Dollars in thousands)
		Level 1		Level 2			Level 3				Total
	Assets at December 31, 2013
	Other foreclosed assets held for resale:
	Commercial Real Estate	$	―	$	―		$	―			$	―
	Total foreclosed assets held for resale	$	―	$	―		$	―			$	―
Schedule of Additional Quantitative Information	'
	The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis and for which the Bank has utilized Level 3 inputs to determine the fair value:
	(Dollars in thousands)
		Quantitative Information about Level 3 Fair Value Measurements
		Fair Value							Weighted
		Estimate		Valuation Technique		Unobservable Input	Range		Average
	Assets at March 31, 2014
	Impaired loans	$	1,277	Appraisal of collateral1,3		Appraisal adjustments2	(10%) - (35%)			(17%	)
	Foreclosed assets held for resale		395	Appraisal of collateral1,3		Appraisal adjustments2	(10%) - (35%)			(10%	)
	(Dollars in thousands)
		Quantitative Information about Level 3 Fair Value Measurements
		Fair Value							Weighted
		Estimate		Valuation Technique		Unobservable Input	Range		Average
	Assets at December 31, 2013
	Impaired loans	$	1,298	Appraisal of collateral1,3		Appraisal adjustments2	(10%) - (35%)			(23%	)
	Foreclosed assets held for resale		―	Appraisal of collateral1,3		Appraisal adjustments2	(0%) - (0%)			(0%	)
	1Fair value is generally determined through independent appraisals of the underlying collateral, as defined by Bank regulators.
	2Appraisals may be adjusted downward by management for qualitative factors such as economic conditions and estimated liquidation expenses. The typical range of appraisal adjustments are presented as a percent of the appraisal value.
	3Includes qualitative adjustments by management and estimated liquidation expenses.
Schedule of Carrying Values and Estimated Fair Values of Financial Instruments	'
	Fair Value of Financial Instruments
	(Dollars in thousands)
		Carrying		Fair Value Measurements at March 31, 2014
		Amount		Level 1			Level 2				Level 3		Total
	FINANCIAL ASSETS:
	Cash and due from banks	$	8,310	$	8,310		$	―			$	―	$	8,310
	Interest-bearing deposits in other banks		1,511		―			1,511				―		1,511
	Investment securities available-for-sale		356,324		2,518			353,806				―		356,324
	Investment securities held-to-maturity		1,068		―			1,077				―		1,077
	Restricted investment in bank stocks		5,207		―			5,207				―		5,207
	Net loans		449,434		―			―				454,261		454,261
	Mortgage servicing rights		498		―			―				498		498
	Accrued interest receivable		3,502		―			3,502				―		3,502
	FINANCIAL LIABILITIES:
	Deposits		669,525		―			669,983				―		669,983
	Short-term borrowings		73,656		―			73,656				―		73,656
	Long-term borrowings		45,405		―			46,446				―		46,446
	Accrued interest payable		413		―			413				―		413
	OFF-BALANCE SHEET FINANCIAL  INSTRUMENTS		―		―			―				―		―
	(Dollars in thousands)
		Carrying		Fair Value Measurements at December 31, 2013
		Amount		Level 1			Level 2				Level 3		Total
	FINANCIAL ASSETS:
	Cash and due from banks	$	8,257	$	8,257		$	―			$	―	$	8,257
	Interest-bearing deposits in other banks		22,366		―			22,366				―		22,366
	Investment securities available-for-sale		353,698		2,535			351,163				―		353,698
	Investment securities held-to-maturity		1,072		―			1,083				―		1,083
	Restricted investment in bank stocks		4,761		―			4,761				―		4,761
	Net loans		439,999		―			―				443,844		443,844
	Mortgage servicing rights		521		―			―				521		521
	Accrued interest receivable		3,616		―			3,616				―		3,616
	FINANCIAL LIABILITIES:
	Deposits		690,075		―			690,771				―		690,771
	Short-term borrowings		68,233		―			68,233				―		68,233
	Long-term borrowings		40,429		―			41,288				―		41,288
	Accrued interest payable		392		―			392				―		392
	OFF-BALANCE SHEET FINANCIAL  INSTRUMENTS		―		―			―				―		―

EARNINGS_PER_SHARE_Tables

EARNINGS PER SHARE (Tables)	3 Months Ended
	Mar. 31, 2014
EARNINGS PER SHARE [Abstract]	'
Schedule of Basic and Diluted Earnings Per Share	'
	The following table sets forth the computation of basic and diluted earnings per share.
	(In thousands, except earnings per share)
		Three Months		Three Months
		Ended		Ended
		31-Mar-14		31-Mar-13
	Net income	$	2,298	$	2,526
	Weighted-average common shares outstanding		5,521		5,419
	Basic earnings per share	$	0.42	$	0.47
	Weighted-average common shares outstanding		5,521		5,419
	Common stock equivalents due to effect of stock options		5		12
	Total weighted-average common shares and equivalents		5,526		5,431
	Diluted earnings per share	$	0.42	$	0.47

INVESTMENT_SECURITIES_Schedule

INVESTMENT SECURITIES (Schedule of Amortized Cost, Related Estimated Fair Value and Unrealized Gains and Losses for Investment Securities) (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Available-for-Sale Securities	'	'
Amortized Cost	$352,800	$353,679
Gross Unrealized Gains	7,427	6,392
Gross Unrealized Losses	-3,903	-6,373
Fair Value	356,324	353,698
Held-to-Maturity Securities	'	'
Amortized Cost	1,068	1,072
Gross Unrealized Gains	9	11
Gross Unrealized Losses	'	'
Fair Value	1,077	1,083
Obligations of U.S. Government Corporations and Agencies: Mortgage-backed [Member]	'	'
Available-for-Sale Securities	'	'
Amortized Cost	147,452	121,209
Gross Unrealized Gains	626	598
Gross Unrealized Losses	-1,681	-2,031
Fair Value	146,397	119,776
Held-to-Maturity Securities	'	'
Amortized Cost	68	72
Gross Unrealized Gains	3	3
Gross Unrealized Losses	'	'
Fair Value	71	75
Other Obligations of U.S. Government Corporations and Agencies [Member]	'	'
Available-for-Sale Securities	'	'
Amortized Cost	26,793	33,559
Gross Unrealized Gains	240	238
Gross Unrealized Losses	-33	-64
Fair Value	27,000	33,733
Held-to-Maturity Securities	'	'
Amortized Cost	1,000	1,000
Gross Unrealized Gains	6	8
Gross Unrealized Losses	'	'
Fair Value	1,006	1,008
Obligations of State and Political Subdivisions [Member]	'	'
Available-for-Sale Securities	'	'
Amortized Cost	136,911	147,112
Gross Unrealized Gains	5,352	4,136
Gross Unrealized Losses	-1,292	-2,859
Fair Value	140,971	148,389
Corporate Securities [Member]	'	'
Available-for-Sale Securities	'	'
Amortized Cost	40,111	50,266
Gross Unrealized Gains	224	416
Gross Unrealized Losses	-897	-1,417
Fair Value	39,438	49,265
Marketable Equity Securities [Member]	'	'
Available-for-Sale Securities	'	'
Amortized Cost	1,533	1,533
Gross Unrealized Gains	985	1,004
Gross Unrealized Losses	'	-2
Fair Value	$2,518	$2,535

INVESTMENT_SECURITIES_Narrativ

INVESTMENT SECURITIES (Narrative) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
	investments
INVESTMENT SECURITIES [Abstract]	'	'	'
Available-for-sale securities pledged as collateral	$238,817	'	$242,839
Held-to-maturity securities pledged as collateral	1,068	'	1,072
Securities pledged as collateral, liabilities balance secured by the collateral	164,241	'	178,814
Proceeds from sales of investment securities available-for-sale	80,165	4,205	'
Sale of available-for-sale debt and equity securities, gross gains realized	808	290	'
Sale of available-for-sale debt and equity securities, gross losses realized	$211	$22	'
Number of securities in an unrealized position	78	'	'

INVESTMENT_SECURITIES_Schedule1

INVESTMENT SECURITIES (Schedule of Amortized Cost, Related Estimated Fair Value and Weighted Average Yield of Debt Securities, by Contractual Maturity) (Details) (USD $)	Mar. 31, 2014		Dec. 31, 2013
In Thousands, unless otherwise specified
Schedule of Investments [Line Items]	'		'
Average yield calculation, tax-equivalent basis	34.00%		'
Held-to-Maturity - Amortized cost:	'		'
Amortized Cost	$1,068		$1,072
Held-to-Maturity - Estimated fair value:	'		'
Total	1,077		1,083
U.S. Government Agency & Corporation Obligations [Member]	'		'
Available-For-Sale - Amortized cost:	'		'
Within 1 Year	4,510	[1]	'
1 - 5 Years	2,532	[1]	'
5 - 10 Years	8,827	[1]	'
After 10 Years	158,376	[1]	'
Total	174,245	[1]	'
Available-For-Sale - Estimated fair value:	'		'
Within 1 Year	4,527	[1]	'
1 - 5 Years	2,553	[1]	'
5 - 10 Years	8,899	[1]	'
After 10 Years	157,418	[1]	'
Total	173,397	[1]	'
Available-For-Sale - Weighted average yield:	'		'
Within 1 Year	0.96%	[1]	'
1 - 5 Years	0.87%	[1]	'
5 - 10 Years	2.02%	[1]	'
After 10 Years	2.27%	[1]	'
Total	2.20%	[1]	'
Held-to-Maturity - Amortized cost:	'		'
Within 1 Year	'	[1]	'
1 - 5 Years	1,068	[1]	'
5 - 10 Years	'	[1]	'
After 10 Years	'	[1]	'
Amortized Cost	1,068	[1]	'
Held-to-Maturity - Estimated fair value:	'		'
Within 1 Year	'	[1]	'
1 - 5 Years	1,077	[1]	'
5 - 10 Years	'	[1]	'
After 10 Years	'	[1]	'
Total	1,077	[1]	'
Held-to-Maturity - Weighted average yield:	'		'
Within 1 Year	'	[1]	'
1 - 5 Years	0.85%	[1]	'
5 - 10 Years	'	[1]	'
After 10 Years	'	[1]	'
Total	0.85%	[1]	'
Obligations of State and Political Subdivisions [Member]	'		'
Available-For-Sale - Amortized cost:	'		'
Within 1 Year	245	[2]	'
1 - 5 Years	10,015	[2]	'
5 - 10 Years	42,640	[2]	'
After 10 Years	84,011	[2]	'
Total	136,911	[2]	'
Available-For-Sale - Estimated fair value:	'		'
Within 1 Year	246	[2]	'
1 - 5 Years	10,503	[2]	'
5 - 10 Years	42,329	[2]	'
After 10 Years	87,893	[2]	'
Total	140,971	[2]	'
Available-For-Sale - Weighted average yield:	'		'
Within 1 Year	5.10%	[2]	'
1 - 5 Years	4.17%	[2]	'
5 - 10 Years	3.53%	[2]	'
After 10 Years	6.03%	[2]	'
Total	5.11%	[2]	'
Marketable Equity Securities [Member]	'		'
Available-For-Sale - Amortized cost:	'		'
Within 1 Year	'	[3]	'
1 - 5 Years	'	[3]	'
5 - 10 Years	'	[3]	'
After 10 Years	1,533	[3]	'
Total	1,533	[3]	'
Available-For-Sale - Estimated fair value:	'		'
Within 1 Year	'	[3]	'
1 - 5 Years	'	[3]	'
5 - 10 Years	'	[3]	'
After 10 Years	2,518	[3]	'
Total	2,518	[3]	'
Available-For-Sale - Weighted average yield:	'		'
Within 1 Year	'	[3]	'
1 - 5 Years	'	[3]	'
5 - 10 Years	'	[3]	'
After 10 Years	2.28%	[3]	'
Total	2.28%	[3]	'
Corporate Securities [Member]	'		'
Available-For-Sale - Amortized cost:	'		'
Within 1 Year	6,058	[3]	'
1 - 5 Years	3,601	[3]	'
5 - 10 Years	30,452	[3]	'
After 10 Years	'	[3]	'
Total	40,111	[3]	'
Available-For-Sale - Estimated fair value:	'		'
Within 1 Year	6,115	[3]	'
1 - 5 Years	3,698	[3]	'
5 - 10 Years	29,625	[3]	'
After 10 Years	'	[3]	'
Total	$39,438	[3]	'
Available-For-Sale - Weighted average yield:	'		'
Within 1 Year	2.44%	[3]	'
1 - 5 Years	2.29%	[3]	'
5 - 10 Years	3.02%	[3]	'
After 10 Years	'	[3]	'
Total	2.87%	[3]	'
[1]	Mortgage-backed securities are allocated for maturity reporting at their original maturity date.
[2]	Average yields on tax-exempt obligations of state and political subdivisions have been computed on a tax-equivalent basis using a 34% tax rate.
[3]	Marketable equity securities are not considered to have defined maturities and are included in the after ten year category.

INVESTMENT_SECURITIES_Schedule2

INVESTMENT SECURITIES (Schedule of Investment Securities Which Have Been in Continuous Unrealized Loss Position for Less Than 12 Months or More Than 12 Months) (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Less Than 12 Months	'	'
Fair Value	$196,220	$178,689
Unrealized Loss	-3,903	-6,373
12 Months or More	'	'
Fair Value	'	'
Unrealized Loss	'	'
Total	'	'
Fair Value	196,220	178,689
Unrealized Loss	-3,903	-6,373
Obligations of U.S. Government Corporations and Agencies: Mortgage-backed [Member]	'	'
Less Than 12 Months	'	'
Fair Value	129,853	97,312
Unrealized Loss	-1,681	-2,031
12 Months or More	'	'
Fair Value	'	'
Unrealized Loss	'	'
Total	'	'
Fair Value	129,853	97,312
Unrealized Loss	-1,681	-2,031
Other Obligations of U.S. Government Corporations and Agencies [Member]	'	'
Less Than 12 Months	'	'
Fair Value	8,244	6,404
Unrealized Loss	-33	-64
12 Months or More	'	'
Fair Value	'	'
Unrealized Loss	'	'
Total	'	'
Fair Value	8,244	6,404
Unrealized Loss	-33	-64
Obligations of State and Political Subdivisions [Member]	'	'
Less Than 12 Months	'	'
Fair Value	34,561	48,853
Unrealized Loss	-1,292	-2,859
12 Months or More	'	'
Fair Value	'	'
Unrealized Loss	'	'
Total	'	'
Fair Value	34,561	48,853
Unrealized Loss	-1,292	-2,859
Corporate Securities [Member]	'	'
Less Than 12 Months	'	'
Fair Value	23,562	26,099
Unrealized Loss	-897	-1,417
12 Months or More	'	'
Fair Value	'	'
Unrealized Loss	'	'
Total	'	'
Fair Value	23,562	26,099
Unrealized Loss	-897	-1,417
Marketable Equity Securities [Member]	'	'
Less Than 12 Months	'	'
Fair Value	'	21
Unrealized Loss	'	-2
12 Months or More	'	'
Fair Value	'	'
Unrealized Loss	'	'
Total	'	'
Fair Value	'	21
Unrealized Loss	'	($2)

LOANS_AND_ALLOWANCE_FOR_LOAN_L2

LOANS AND ALLOWANCE FOR LOAN LOSSES (Narrative) (Details) (USD $)	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
	contracts	contracts
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'
Periods loan payments should be in arrears before loans are considered past-due	'15 days	'	'
Periods loan payments should be in arrears before loans are classified as non-accrual	'90 days	'	'
Tax free loans	$32,574,000	'	$3,901,000
Number of Contracts	3	8	'
Post modification balance	57,000	3,613,000	'
Restructured loans	4,001,000	'	3,961,000
Pre-modification outstanding balance	57,000	3,613,000	'
Number of loans not in compliance with the terms of their restructure	6	4	'
Recorded investment of loans not in compliance with the terms of their restructure	2,153,000	432,000	'
Loans classified as TDRs on non-accrual status, total allocated allowance	$0	'	$0
Interest Rate Modification [Member]	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'
Number of Contracts	'	2	'
Loan Term Modification [Member]	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'
Number of Contracts	1	'	'
Payment Modification [Member]	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'
Number of Contracts	2	6	'

LOANS_AND_ALLOWANCE_FOR_LOAN_L3

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Credit Quality Indicators by Loan Segment) (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment [Line Items]	'	'
Add (deduct): Unearned discount and	($76)	($87)
Net deferred loan fees and costs	496	464
Total loans	455,911	446,518
Commercial and Industrial [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Add (deduct): Unearned discount and	'	'
Net deferred loan fees and costs	149	122
Total loans	64,741	60,822
Commercial Real Estate [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Add (deduct): Unearned discount and	'	'
Net deferred loan fees and costs	-13	-19
Total loans	229,285	225,405
Residential Real Estate Including Home Equity [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Add (deduct): Unearned discount and	'	'
Net deferred loan fees and costs	274	272
Total loans	156,450	154,675
Consumer Loans [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Add (deduct): Unearned discount and	-76	-87
Net deferred loan fees and costs	86	89
Total loans	5,435	5,616
Pass [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Gross loans	448,733	439,443
Pass [Member] | Commercial and Industrial [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Gross loans	64,436	60,614
Pass [Member] | Commercial Real Estate [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Gross loans	223,943	219,925
Pass [Member] | Residential Real Estate Including Home Equity [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Gross loans	154,939	153,292
Pass [Member] | Consumer Loans [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Gross loans	5,415	5,612
Special Mention [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Gross loans	1,321	1,964
Special Mention [Member] | Commercial and Industrial [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Gross loans	120	65
Special Mention [Member] | Commercial Real Estate [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Gross loans	953	1,717
Special Mention [Member] | Residential Real Estate Including Home Equity [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Gross loans	246	180
Special Mention [Member] | Consumer Loans [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Gross loans	2	2
Substandard [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Gross loans	5,437	4,734
Substandard [Member] | Commercial and Industrial [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Gross loans	36	21
Substandard [Member] | Commercial Real Estate [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Gross loans	4,402	3,782
Substandard [Member] | Residential Real Estate Including Home Equity [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Gross loans	991	931
Substandard [Member] | Consumer Loans [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Gross loans	8	'
Doubtful [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Gross loans	'	'
Doubtful [Member] | Commercial and Industrial [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Gross loans	'	'
Doubtful [Member] | Commercial Real Estate [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Gross loans	'	'
Doubtful [Member] | Residential Real Estate Including Home Equity [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Gross loans	'	'
Doubtful [Member] | Consumer Loans [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Gross loans	'	'

LOANS_AND_ALLOWANCE_FOR_LOAN_L4

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Allowance for Loan Losses by Loan Segment) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
Allowance for Loan Losses:	'	'	'
Balance at beginning of period	$6,519	$5,772	'
Charge-offs	-186	-282	'
Recoveries	11	12	'
Provision	133	400	'
Balance at end of period	6,477	5,902	'
Ending balance: individually evaluated for impairment	'	265	140
Ending balance: collectively evaluated for impairment	6,477	5,637	6,379
Total allowance	6,477	5,902	'
Financing Receivables:	'	'	'
Ending Balance	455,911	428,410	446,518
Ending balance: individually evaluated for impairment	6,264	5,854	5,974
Ending balance: collectively evaluated for impairment	449,647	422,556	440,544
Commercial and Industrial [Member]	'	'	'
Allowance for Loan Losses:	'	'	'
Balance at beginning of period	776	573	'
Charge-offs	-7	'	'
Recoveries	2	11	'
Provision	54	100	'
Balance at end of period	825	684	'
Ending balance: individually evaluated for impairment	'	'	'
Ending balance: collectively evaluated for impairment	825	684	776
Total allowance	825	684	'
Financing Receivables:	'	'	'
Ending Balance	64,741	58,582	60,822
Ending balance: individually evaluated for impairment	36	245	21
Ending balance: collectively evaluated for impairment	64,705	58,337	60,801
Commercial Real Estate [Member]	'	'	'
Allowance for Loan Losses:	'	'	'
Balance at beginning of period	3,320	2,837	'
Charge-offs	-141	-145	'
Recoveries	'	'	'
Provision	119	111	'
Balance at end of period	3,298	2,803	'
Ending balance: individually evaluated for impairment	'	111	125
Ending balance: collectively evaluated for impairment	3,298	2,692	3,195
Total allowance	3,298	2,803	'
Financing Receivables:	'	'	'
Ending Balance	229,285	219,130	225,405
Ending balance: individually evaluated for impairment	5,230	4,356	5,022
Ending balance: collectively evaluated for impairment	224,055	214,774	220,383
Residential [Member]	'	'	'
Allowance for Loan Losses:	'	'	'
Balance at beginning of period	1,565	1,524	'
Charge-offs	-30	-132	'
Recoveries	9	'	'
Provision	23	139	'
Balance at end of period	1,567	1,531	'
Ending balance: individually evaluated for impairment	'	154	15
Ending balance: collectively evaluated for impairment	1,567	1,377	1,550
Total allowance	1,567	1,531	'
Financing Receivables:	'	'	'
Ending Balance	156,450	144,728	154,675
Ending balance: individually evaluated for impairment	991	1,253	931
Ending balance: collectively evaluated for impairment	155,459	143,475	153,744
Consumer [Member]	'	'	'
Allowance for Loan Losses:	'	'	'
Balance at beginning of period	53	80	'
Charge-offs	-8	-5	'
Recoveries	'	1	'
Provision	7	-2	'
Balance at end of period	52	74	'
Ending balance: individually evaluated for impairment	'	'	'
Ending balance: collectively evaluated for impairment	52	74	53
Total allowance	52	74	'
Financing Receivables:	'	'	'
Ending Balance	5,435	5,970	5,616
Ending balance: individually evaluated for impairment	7	'	'
Ending balance: collectively evaluated for impairment	5,428	5,970	5,616
Unallocated [Member]	'	'	'
Allowance for Loan Losses:	'	'	'
Balance at beginning of period	805	758	'
Charge-offs	'	'	'
Recoveries	'	'	'
Provision	-70	52	'
Balance at end of period	735	810	'
Ending balance: individually evaluated for impairment	'	'	'
Ending balance: collectively evaluated for impairment	735	810	805
Total allowance	735	810	'
Financing Receivables:	'	'	'
Ending Balance	'	'	'
Ending balance: individually evaluated for impairment	'	'	'
Ending balance: collectively evaluated for impairment	'	'	'

LOANS_AND_ALLOWANCE_FOR_LOAN_L5

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Balance of TDRs) (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment [Line Items]	'	'
Outstanding balance of TDRs	$4,001	$3,961
Nonperforming Financing Receivable [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Outstanding balance of TDRs	1,537	1,538
Performing Financing Receivable [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Outstanding balance of TDRs	$2,464	$2,423

LOANS_AND_ALLOWANCE_FOR_LOAN_L6

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Loan and Lease Modifications Categorized as Troubled Debt Restructurings) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
	contracts	contracts
Financing Receivable, Modifications [Line Items]	'	'
Number of Contracts	3	8
Pre-Modification Outstanding Recorded Investment	$57	$3,613
Post-Modification Outstanding Recorded Investment	57	3,613
Recorded Investment	57	3,548
Commercial and Industrial [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Contracts	1	'
Pre-Modification Outstanding Recorded Investment	18	'
Post-Modification Outstanding Recorded Investment	18	'
Recorded Investment	18	'
Commercial Real Estate [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Contracts	1	8
Pre-Modification Outstanding Recorded Investment	32	3,613
Post-Modification Outstanding Recorded Investment	32	3,613
Recorded Investment	32	3,548
Consumer Loans [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Contracts	1	'
Pre-Modification Outstanding Recorded Investment	7	'
Post-Modification Outstanding Recorded Investment	7	'
Recorded Investment	$7	'

LOANS_AND_ALLOWANCE_FOR_LOAN_L7

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Types of Loan Modifications) (Details)	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013
	contracts	contracts
Financing Receivable, Modifications [Line Items]	'	'
Number of Contracts	3	8
Interest Rate Modification [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Contracts	'	2
Loan Term Modification [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Contracts	1	'
Payment Modification [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Contracts	2	6
Commercial and Industrial [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Contracts	1	'
Commercial and Industrial [Member] | Interest Rate Modification [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Contracts	'	'
Commercial and Industrial [Member] | Loan Term Modification [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Contracts	'	'
Commercial and Industrial [Member] | Payment Modification [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Contracts	1	'
Commercial Real Estate [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Contracts	1	8
Commercial Real Estate [Member] | Interest Rate Modification [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Contracts	'	2
Commercial Real Estate [Member] | Loan Term Modification [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Contracts	1	'
Commercial Real Estate [Member] | Payment Modification [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Contracts	'	6
Consumer [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Contracts	1	'
Consumer [Member] | Interest Rate Modification [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Contracts	'	'
Consumer [Member] | Loan Term Modification [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Contracts	'	'
Consumer [Member] | Payment Modification [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of Contracts	1	'

LOANS_AND_ALLOWANCE_FOR_LOAN_L8

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Impaired Loans) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
Recorded Investment	'	'	'
Total	$6,264	'	$5,974
Unpaid Principal Balance	'	'	'
Total	7,391	'	7,121
Related Allowance	'	'	'
With an allowance recorded	'	'	140
Average Recorded Investment	'	'	'
Total	6,345	5,962	'
Interest Income Recognized	'	'	'
Total	22	18	'
Commercial and Industrial [Member]	'	'	'
Recorded Investment	'	'	'
With no related allowance recorded	36	'	21
With an allowance recorded	'	'	'
Total	36	'	21
Unpaid Principal Balance	'	'	'
With no related allowance recorded	182	'	167
With an allowance recorded	'	'	'
Total	182	'	167
Related Allowance	'	'	'
With no related allowance recorded	'	'	'
With an allowance recorded	'	'	'
Average Recorded Investment	'	'	'
With no related allowance recorded	37	246	'
With an allowance recorded	'	'	'
Total	37	246	'
Interest Income Recognized	'	'	'
With no related allowance recorded	'	'	'
With an allowance recorded	'	'	'
Total	'	'	'
Commercial Real Estate [Member]	'	'	'
Recorded Investment	'	'	'
With no related allowance recorded	5,230	'	4,810
With an allowance recorded	'	'	212
Total	5,230	'	5,022
Unpaid Principal Balance	'	'	'
With no related allowance recorded	5,887	'	5,503
With an allowance recorded	'	'	212
Total	5,887	'	5,715
Related Allowance	'	'	'
With no related allowance recorded	'	'	'
With an allowance recorded	'	'	125
Average Recorded Investment	'	'	'
With no related allowance recorded	5,298	4,189	'
With an allowance recorded	'	204	'
Total	5,298	4,393	'
Interest Income Recognized	'	'	'
With no related allowance recorded	21	18	'
With an allowance recorded	'	'	'
Total	21	18	'
Residential Real Estate [Member]	'	'	'
Recorded Investment	'	'	'
With no related allowance recorded	991	'	868
With an allowance recorded	'	'	63
Total	991	'	931
Unpaid Principal Balance	'	'	'
With no related allowance recorded	1,315	'	1,176
With an allowance recorded	'	'	63
Total	1,315	'	1,239
Related Allowance	'	'	'
With no related allowance recorded	'	'	'
With an allowance recorded	'	'	15
Average Recorded Investment	'	'	'
With no related allowance recorded	1,003	1,253	'
With an allowance recorded	'	70	'
Total	1,003	1,323	'
Interest Income Recognized	'	'	'
With no related allowance recorded	1	'	'
With an allowance recorded	'	'	'
Total	1	'	'
Consumer [Member]	'	'	'
Recorded Investment	'	'	'
With no related allowance recorded	7	'	'
With an allowance recorded	'	'	'
Total	7	'	'
Unpaid Principal Balance	'	'	'
With no related allowance recorded	7	'	'
With an allowance recorded	'	'	'
Total	7	'	'
Related Allowance	'	'	'
With no related allowance recorded	'	'	'
With an allowance recorded	'	'	'
Average Recorded Investment	'	'	'
With no related allowance recorded	7	'	'
With an allowance recorded	'	'	'
Total	7	'	'
Interest Income Recognized	'	'	'
With no related allowance recorded	'	'	'
With an allowance recorded	'	'	'
Total	'	'	'

LOANS_AND_ALLOWANCE_FOR_LOAN_L9

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Financing Receivables on Non-Accrual Status and Foreclosed Assets) (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Total non-accrual loans	$3,800	$3,551
Loans past-due 90 days or more and still accruing	285	318
Foreclosed assets held for resale	440	480
Total non-performing assets	4,525	4,349
Commercial and Industrial [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Total non-accrual loans	18	21
Loans past-due 90 days or more and still accruing	'	19
Commercial Real Estate [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Total non-accrual loans	2,791	2,599
Loans past-due 90 days or more and still accruing	282	180
Residential Real Estate [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
Total non-accrual loans	991	931
Loans past-due 90 days or more and still accruing	$3	$119

Recovered_Sheet1

LOANS AND ALLOWANCE FOR LOAN LOSSES (Schedule of Aging of Past Due Loans by Class of Loans) (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-59 Days Past Due	$2,697	$2,663
60-89 Days Past Due	1,389	920
90 Days or Greater Past Due	4,011	2,333
Total Past Due	8,097	5,916
Current	447,814	440,602
Total loans, net of unearned income	455,911	446,518
90 Days or Greater Past Due and Still Accruing	285	318
Commercial and Industrial [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-59 Days Past Due	135	7
60-89 Days Past Due	'	7
90 Days or Greater Past Due	18	40
Total Past Due	153	54
Current	64,588	60,768
Total loans, net of unearned income	64,741	60,822
90 Days or Greater Past Due and Still Accruing	'	19
Commercial Real Estate [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-59 Days Past Due	1,107	875
60-89 Days Past Due	550	653
90 Days or Greater Past Due	3,073	1,367
Total Past Due	4,730	2,895
Current	224,555	222,510
Total loans, net of unearned income	229,285	225,405
90 Days or Greater Past Due and Still Accruing	282	180
Residential Real Estate [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-59 Days Past Due	1,444	1,751
60-89 Days Past Due	839	248
90 Days or Greater Past Due	920	926
Total Past Due	3,203	2,925
Current	153,247	151,750
Total loans, net of unearned income	156,450	154,675
90 Days or Greater Past Due and Still Accruing	3	119
Consumer [Member]	'	'
Financing Receivable, Recorded Investment, Past Due [Line Items]	'	'
30-59 Days Past Due	11	30
60-89 Days Past Due	'	12
90 Days or Greater Past Due	'	'
Total Past Due	11	42
Current	5,424	5,574
Total loans, net of unearned income	5,435	5,616
90 Days or Greater Past Due and Still Accruing	'	'

BORROWINGS_Details

BORROWINGS (Details) (USD $)	Mar. 31, 2014		Dec. 31, 2013		Mar. 31, 2014
In Thousands, unless otherwise specified					Maximum [Member]
Short-term Debt [Line Items]	'		'		'
Federal funds purchased, securities sold under agreements to repurchase and Federal Home Loan Bank advances, maturity	'		'		'30 days
Repurchase agreements:	'		'		'
Gross Amounts of Recognized Liabilities	$16,565	[1]	$16,261	[1]	'
Gross Amounts Offset in the Consolidated Balance Sheet	'	[1]	'	[1]	'
Net Amounts of Liabilities Presented in the Consolidated Balance Sheet	16,565	[1]	16,261	[1]	'
Financial Instruments	-16,565	[1]	-16,261	[1]	'
Cash Collateral Pledge	'	[1]	'	[1]	'
Net Amount	'	[1]	'	[1]	'
Fair value of securities pledged	25,842		26,575		'
Capital lease obligation	$811		'		'
[1]	As of March 31, 2014 and December 31, 2013, the fair value of securities pledged in connection with repurchase agreements was $25,842,000 and $26,575,000, respectively.

FINANCIAL_INSTRUMENTS_WITH_OFF2

FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK AND CONCENTRATIONS OF CREDIT RISK (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Commitments to Extend Credit [Member]	'	'
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Financial Instruments with off-balance sheet credit risk, contract or notional amounts	$62,684	$64,064
Financial Standby Letters of Credit [Member]	'	'
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Financial Instruments with off-balance sheet credit risk, contract or notional amounts	661	418
Performance Standby Letters of Credit [Member]	'	'
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Financial Instruments with off-balance sheet credit risk, contract or notional amounts	$4,402	$4,449

FAIR_VALUE_MEASUREMENTS_Schedu

FAIR VALUE MEASUREMENTS (Schedule of Investments Measured at Fair Value on Recurring Basis) (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Available-for-Sale Securities:	'	'
Available-for-sale securities	$356,324	$353,698
Obligations of U.S. Government Corporations and Agencies: Mortgage-backed [Member]	'	'
Available-for-Sale Securities:	'	'
Available-for-sale securities	146,397	119,776
Other Obligations of U.S. Government Corporations and Agencies [Member]	'	'
Available-for-Sale Securities:	'	'
Available-for-sale securities	27,000	33,733
Obligations of State and Political Subdivisions [Member]	'	'
Available-for-Sale Securities:	'	'
Available-for-sale securities	140,971	148,389
Corporate Securities [Member]	'	'
Available-for-Sale Securities:	'	'
Available-for-sale securities	39,438	49,265
Marketable Equity Securities [Member]	'	'
Available-for-Sale Securities:	'	'
Available-for-sale securities	2,518	2,535
Level 1 [Member]	'	'
Available-for-Sale Securities:	'	'
Available-for-sale securities	2,518	2,535
Level 2 [Member]	'	'
Available-for-Sale Securities:	'	'
Available-for-sale securities	353,806	351,163
Level 3 [Member]	'	'
Available-for-Sale Securities:	'	'
Available-for-sale securities	'	'
Fair Value, Measurements, Recurring [Member]	'	'
Available-for-Sale Securities:	'	'
Available-for-sale securities	356,324	353,698
Fair Value, Measurements, Recurring [Member] | Obligations of U.S. Government Corporations and Agencies: Mortgage-backed [Member]	'	'
Available-for-Sale Securities:	'	'
Available-for-sale securities	146,397	119,776
Fair Value, Measurements, Recurring [Member] | Other Obligations of U.S. Government Corporations and Agencies [Member]	'	'
Available-for-Sale Securities:	'	'
Available-for-sale securities	27,000	33,733
Fair Value, Measurements, Recurring [Member] | Obligations of State and Political Subdivisions [Member]	'	'
Available-for-Sale Securities:	'	'
Available-for-sale securities	140,971	148,389
Fair Value, Measurements, Recurring [Member] | Corporate Securities [Member]	'	'
Available-for-Sale Securities:	'	'
Available-for-sale securities	39,438	49,265
Fair Value, Measurements, Recurring [Member] | Marketable Equity Securities [Member]	'	'
Available-for-Sale Securities:	'	'
Available-for-sale securities	2,518	2,535
Fair Value, Measurements, Recurring [Member] | Level 1 [Member]	'	'
Available-for-Sale Securities:	'	'
Available-for-sale securities	2,518	2,535
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Obligations of U.S. Government Corporations and Agencies: Mortgage-backed [Member]	'	'
Available-for-Sale Securities:	'	'
Available-for-sale securities	'	'
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Other Obligations of U.S. Government Corporations and Agencies [Member]	'	'
Available-for-Sale Securities:	'	'
Available-for-sale securities	'	'
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Obligations of State and Political Subdivisions [Member]	'	'
Available-for-Sale Securities:	'	'
Available-for-sale securities	'	'
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Corporate Securities [Member]	'	'
Available-for-Sale Securities:	'	'
Available-for-sale securities	'	'
Fair Value, Measurements, Recurring [Member] | Level 1 [Member] | Marketable Equity Securities [Member]	'	'
Available-for-Sale Securities:	'	'
Available-for-sale securities	2,518	2,535
Fair Value, Measurements, Recurring [Member] | Level 2 [Member]	'	'
Available-for-Sale Securities:	'	'
Available-for-sale securities	353,806	351,163
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | Obligations of U.S. Government Corporations and Agencies: Mortgage-backed [Member]	'	'
Available-for-Sale Securities:	'	'
Available-for-sale securities	146,397	119,776
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | Other Obligations of U.S. Government Corporations and Agencies [Member]	'	'
Available-for-Sale Securities:	'	'
Available-for-sale securities	27,000	33,733
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | Obligations of State and Political Subdivisions [Member]	'	'
Available-for-Sale Securities:	'	'
Available-for-sale securities	140,971	148,389
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | Corporate Securities [Member]	'	'
Available-for-Sale Securities:	'	'
Available-for-sale securities	39,438	49,265
Fair Value, Measurements, Recurring [Member] | Level 2 [Member] | Marketable Equity Securities [Member]	'	'
Available-for-Sale Securities:	'	'
Available-for-sale securities	'	'
Fair Value, Measurements, Recurring [Member] | Level 3 [Member]	'	'
Available-for-Sale Securities:	'	'
Available-for-sale securities	'	'
Fair Value, Measurements, Recurring [Member] | Level 3 [Member] | Obligations of U.S. Government Corporations and Agencies: Mortgage-backed [Member]	'	'
Available-for-Sale Securities:	'	'
Available-for-sale securities	'	'
Fair Value, Measurements, Recurring [Member] | Level 3 [Member] | Other Obligations of U.S. Government Corporations and Agencies [Member]	'	'
Available-for-Sale Securities:	'	'
Available-for-sale securities	'	'
Fair Value, Measurements, Recurring [Member] | Level 3 [Member] | Obligations of State and Political Subdivisions [Member]	'	'
Available-for-Sale Securities:	'	'
Available-for-sale securities	'	'
Fair Value, Measurements, Recurring [Member] | Level 3 [Member] | Corporate Securities [Member]	'	'
Available-for-Sale Securities:	'	'
Available-for-sale securities	'	'
Fair Value, Measurements, Recurring [Member] | Level 3 [Member] | Marketable Equity Securities [Member]	'	'
Available-for-Sale Securities:	'	'
Available-for-sale securities	'	'

FAIR_VALUE_MEASUREMENTS_Schedu1

FAIR VALUE MEASUREMENTS (Schedule of Assets Measured at Fair Value on Non-Recurring Basis) (Details) (Fair Value, Measurements, Nonrecurring [Member], USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	$1,277	$1,298
Other foreclosed assets held for resale	395	'
Commercial and Industrial [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	18	21
Commercial Real Estate [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	640	656
Other foreclosed assets held for resale	395	'
Residential [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	619	621
Level 1 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	'	'
Other foreclosed assets held for resale	'	'
Level 1 [Member] | Commercial and Industrial [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	'	'
Level 1 [Member] | Commercial Real Estate [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	'	'
Other foreclosed assets held for resale	'	'
Level 1 [Member] | Residential [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	'	'
Level 2 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	'	'
Other foreclosed assets held for resale	'	'
Level 2 [Member] | Commercial and Industrial [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	'	'
Level 2 [Member] | Commercial Real Estate [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	'	'
Other foreclosed assets held for resale	'	'
Level 2 [Member] | Residential [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	'	'
Level 3 [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	1,277	1,298
Other foreclosed assets held for resale	395	'
Level 3 [Member] | Commercial and Industrial [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	18	21
Level 3 [Member] | Commercial Real Estate [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	640	656
Other foreclosed assets held for resale	395	'
Level 3 [Member] | Residential [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired loans	$619	$621

FAIR_VALUE_MEASUREMENTS_Schedu2

FAIR VALUE MEASUREMENTS (Schedule of Additional Quantitative Information) (Details) (USD $)	3 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014		Dec. 31, 2013
Impaired Loans Receivable [Member] | Level 3 [Member]	'		'
Fair Value Inputs, Assets, Quantitative Information [Line Items]	'		'
Fair Value Estimate	$1,277		$1,298
Valuation Technique	'Appraisal of collateral	[1],[2]	'Appraisal of collateral	[1],[2]
Impaired Loans Receivable [Member] | Minimum [Member]	'		'
Fair Value Inputs, Assets, Quantitative Information [Line Items]	'		'
Appraisal adjustment	10.00%	[3]	10.00%	[3]
Impaired Loans Receivable [Member] | Maximum [Member]	'		'
Fair Value Inputs, Assets, Quantitative Information [Line Items]	'		'
Appraisal adjustment	35.00%	[3]	35.00%	[3]
Impaired Loans Receivable [Member] | Weighted Average [Member]	'		'
Fair Value Inputs, Assets, Quantitative Information [Line Items]	'		'
Appraisal adjustment	17.00%	[3]	23.00%	[3]
Foreclosed Assets Held for Sale [Member] | Level 3 [Member]	'		'
Fair Value Inputs, Assets, Quantitative Information [Line Items]	'		'
Fair Value Estimate	$395		'
Valuation Technique	'Appraisal of collateral	[1],[2]	'Appraisal of collateral	[1],[2]
Foreclosed Assets Held for Sale [Member] | Minimum [Member]	'		'
Fair Value Inputs, Assets, Quantitative Information [Line Items]	'		'
Appraisal adjustment	10.00%	[3]	0.00%	[3]
Foreclosed Assets Held for Sale [Member] | Maximum [Member]	'		'
Fair Value Inputs, Assets, Quantitative Information [Line Items]	'		'
Appraisal adjustment	35.00%	[3]	0.00%	[3]
Foreclosed Assets Held for Sale [Member] | Weighted Average [Member]	'		'
Fair Value Inputs, Assets, Quantitative Information [Line Items]	'		'
Appraisal adjustment	10.00%	[3]	0.00%	[3]
[1]	Fair value is generally determined through independent appraisals of the underlying collateral, as defined by Bank regulators.
[2]	Includes qualitative adjustments by management and estimated liquidation expenses.
[3]	Appraisals may be adjusted downward by management for qualitative factors such as economic conditions and estimated liquidation expenses. The typical range of appraisal adjustments are presented as a percent of the appraisal value.

FAIR_VALUE_MEASUREMENTS_Narrat

FAIR VALUE MEASUREMENTS (Narrative) (Details) (USD $)	Mar. 31, 2014
In Thousands, unless otherwise specified
Minimum [Member]	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'
Minimum impaired loan balance that requires an appraisal to be obtained and reviewed annually for impaired loan valuation procedure	$250
Maximum [Member]	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'
Maximum impaired loan balance for which the bank completes a Certificate of Inspection	$250

FAIR_VALUE_MEASUREMENTS_Schedu3

FAIR VALUE MEASUREMENTS (Schedule of Carrying Values and Estimated Fair Values of Financial Instruments) (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
FINANCIAL ASSETS:	'	'
Investment securities available-for-sale	$356,324	$353,698
Investment securities held-to-maturity	1,077	1,083
Restricted investment in bank stocks	5,207	4,761
Net loans	454,261	443,844
Mortgage servicing rights	498	521
Accrued interest receivable	3,502	3,616
FINANCIAL LIABILITIES:	'	'
Deposits	669,983	690,771
Short-term borrowings	73,656	68,233
Long-term borrowings	46,446	41,288
Accrued interest payable	413	392
OFF-BALANCE SHEET FINANCIAL INSTRUMENTS	'	'
Cash and Due From Banks [Member]	'	'
FINANCIAL ASSETS:	'	'
Cash and cash equivalents	8,310	8,257
Interest-Bearing Deposits in Other Banks [Member]	'	'
FINANCIAL ASSETS:	'	'
Cash and cash equivalents	1,511	22,366
Carrying Amount [Member]	'	'
FINANCIAL ASSETS:	'	'
Investment securities available-for-sale	356,324	353,698
Investment securities held-to-maturity	1,068	1,072
Restricted investment in bank stocks	5,207	4,761
Net loans	449,434	439,999
Mortgage servicing rights	498	521
Accrued interest receivable	3,502	3,616
FINANCIAL LIABILITIES:	'	'
Deposits	669,525	690,075
Short-term borrowings	73,656	68,233
Long-term borrowings	45,405	40,429
Accrued interest payable	413	392
OFF-BALANCE SHEET FINANCIAL INSTRUMENTS	'	'
Carrying Amount [Member] | Cash and Due From Banks [Member]	'	'
FINANCIAL ASSETS:	'	'
Cash and cash equivalents	8,310	8,257
Carrying Amount [Member] | Interest-Bearing Deposits in Other Banks [Member]	'	'
FINANCIAL ASSETS:	'	'
Cash and cash equivalents	1,511	22,366
Level 1 [Member]	'	'
FINANCIAL ASSETS:	'	'
Investment securities available-for-sale	2,518	2,535
Investment securities held-to-maturity	'	'
Restricted investment in bank stocks	'	'
Net loans	'	'
Mortgage servicing rights	'	'
Accrued interest receivable	'	'
FINANCIAL LIABILITIES:	'	'
Deposits	'	'
Short-term borrowings	'	'
Long-term borrowings	'	'
Accrued interest payable	'	'
OFF-BALANCE SHEET FINANCIAL INSTRUMENTS	'	'
Level 1 [Member] | Cash and Due From Banks [Member]	'	'
FINANCIAL ASSETS:	'	'
Cash and cash equivalents	8,310	8,257
Level 1 [Member] | Interest-Bearing Deposits in Other Banks [Member]	'	'
FINANCIAL ASSETS:	'	'
Cash and cash equivalents	'	'
Level 2 [Member]	'	'
FINANCIAL ASSETS:	'	'
Investment securities available-for-sale	353,806	351,163
Investment securities held-to-maturity	1,077	1,083
Restricted investment in bank stocks	5,207	4,761
Net loans	'	'
Mortgage servicing rights	'	'
Accrued interest receivable	3,502	3,616
FINANCIAL LIABILITIES:	'	'
Deposits	669,983	690,771
Short-term borrowings	73,656	68,233
Long-term borrowings	46,446	41,288
Accrued interest payable	413	392
OFF-BALANCE SHEET FINANCIAL INSTRUMENTS	'	'
Level 2 [Member] | Cash and Due From Banks [Member]	'	'
FINANCIAL ASSETS:	'	'
Cash and cash equivalents	'	'
Level 2 [Member] | Interest-Bearing Deposits in Other Banks [Member]	'	'
FINANCIAL ASSETS:	'	'
Cash and cash equivalents	1,511	22,366
Level 3 [Member]	'	'
FINANCIAL ASSETS:	'	'
Investment securities available-for-sale	'	'
Investment securities held-to-maturity	'	'
Restricted investment in bank stocks	'	'
Net loans	454,261	443,844
Mortgage servicing rights	498	521
Accrued interest receivable	'	'
FINANCIAL LIABILITIES:	'	'
Deposits	'	'
Short-term borrowings	'	'
Long-term borrowings	'	'
Accrued interest payable	'	'
OFF-BALANCE SHEET FINANCIAL INSTRUMENTS	'	'
Level 3 [Member] | Cash and Due From Banks [Member]	'	'
FINANCIAL ASSETS:	'	'
Cash and cash equivalents	'	'
Level 3 [Member] | Interest-Bearing Deposits in Other Banks [Member]	'	'
FINANCIAL ASSETS:	'	'
Cash and cash equivalents	'	'

EARNINGS_PER_SHARE_Details

EARNINGS PER SHARE (Details) (USD $)	3 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
EARNINGS PER SHARE [Abstract]	'	'
Net income	$2,298	$2,526
Weighted-average common shares outstanding	5,521	5,419
Basic earnings per share	$0.42	$0.47
Common stock equivalents due to effect of stock options	5	12
Total weighted-average common shares and equivalents	5,526	5,431
Diluted earnings per share	$0.42	$0.47