Citizens Financial Services (CZFS) 10-K12 Mar 152014 FY Annual reportFinancial data

Company Profile

Document_and_Entity_Informatio

Document and Entity Information (USD $)	12 Months Ended
Document and Entity Information (USD $)	Dec. 31, 2014	Feb. 23, 2015	Jun. 30, 2014
Document and Entity Information [Abstract]
Entity Registrant Name	CITIZENS FINANCIAL SERVICES INC
Entity Central Index Key	739421
Current Fiscal Year End Date	-19
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Filer Category	Accelerated Filer
Entity Public Float			$146,929,872
Entity Common Stock, Shares Outstanding		3,029,726
Document Fiscal Year Focus	2014
Document Fiscal Period Focus	FY
Document Type	10-K
Amendment Flag	FALSE
Document Period End Date	31-Dec-14

Consolidated_Balance_Sheet

Consolidated Balance Sheet (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Cash and cash equivalents:
Noninterest-bearing	$10,091	$8,899
Interest-bearing	1,332	1,184
Total cash and cash equivalents	11,423	10,083
Interest bearing time deposits with other banks	5,960	2,480
Available-for-sale securities	306,146	317,301
Loans held for sale	497	278
Loans (net of allowance for loan losses: 2014, $6,815; 2013, $7,098)	547,290	533,514
Premises and equipment	12,357	11,105
Accrued interest receivable	3,644	3,728
Goodwill	10,256	10,256
Bank owned life insurance	20,309	14,679
Other assets	7,166	11,510
TOTAL ASSETS	925,048	914,934
Deposits:
Noninterest-bearing	95,526	85,585
Interest-bearing	678,407	662,731
Total deposits	773,933	748,316
Borrowed funds	41,799	66,932
Accrued interest payable	756	895
Other liabilities	8,032	6,735
TOTAL LIABILITIES	824,520	822,878
STOCKHOLDERS' EQUITY:
Preferred Stock $1.00 par value; authorized 3,000,000 shares 2014 and 2013; none issued in 2014 or 2013	0	0
Common Stock $1.00 par value; authorized 15,000,000 shares 2014 and 2013; issued 3,335,236 and 3,305,517 shares in 2014 and 2013, Respectively	3,335	3,306
Additional paid-in capital	25,150	23,562
Retained earnings	79,512	74,325
Accumulated other comprehensive (loss) income	767	-1,225
Treasury stock, at cost: 296,280 and 290,468 shares for 2014 and 2013, respectively	-8,236	-7,912
TOTAL STOCKHOLDERS' EQUITY	100,528	92,056
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$925,048	$914,934

Consolidated_Balance_Sheet_Par

Consolidated Balance Sheet (Parenthetical) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, except Share data, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
ASSETS:
Loans, allowance for loan losses	$6,815	$7,098
STOCKHOLDERS' EQUITY:
Preferred Stock , par value (in dollars per share)	$1	$1
Preferred Stock , authorized (in shares)	3,000,000	3,000,000
Preferred Stock , issued (in shares)	0	0
Common Stock, par value (in dollars per share)	$1	$1
Common Stock, authorized (in shares)	15,000,000	15,000,000
Common Stock, issued (in shares)	3,335,236	3,305,517
Treasury stock, shares (in shares)	296,280	290,468

Consolidated_Statement_of_Inco

Consolidated Statement of Income (USD $)	12 Months Ended
Consolidated Statement of Income (USD $)	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
INTEREST AND DIVIDEND INCOME:
Interest and fees on loans	$28,324,000	$28,982,000	$29,770,000
Interest-bearing deposits with banks	82,000	40,000	21,000
Investment securities:
Taxable	3,337,000	3,721,000	4,521,000
Nontaxable	3,354,000	3,405,000	3,702,000
Dividends	194,000	86,000	71,000
TOTAL INTEREST AND DIVIDEND INCOME	35,291,000	36,234,000	38,085,000
INTEREST EXPENSE:
Deposits	4,347,000	5,107,000	6,113,000
Borrowed funds	606,000	1,208,000	1,546,000
TOTAL INTEREST EXPENSE	4,953,000	6,315,000	7,659,000
NET INTEREST INCOME	30,338,000	29,919,000	30,426,000
Provision for loan losses	585,000	405,000	420,000
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	29,753,000	29,514,000	30,006,000
NON-INTEREST INCOME:
Service charges	4,297,000	4,453,000	4,606,000
Trust	688,000	694,000	644,000
Brokerage and insurance	567,000	444,000	392,000
Investment securities gains, net	616,000	441,000	604,000
Gains on loans sold	236,000	443,000	759,000
Earnings on bank owned life insurance	507,000	502,000	507,000
Other	445,000	446,000	456,000
TOTAL NON-INTEREST INCOME	7,356,000	7,423,000	7,968,000
NON-INTEREST EXPENSES:
Salaries and employee benefits	11,505,000	11,392,000	11,018,000
Occupancy	1,287,000	1,271,000	1,265,000
Furniture and equipment	362,000	492,000	411,000
Professional fees	902,000	781,000	891,000
Federal depository insurance	461,000	450,000	468,000
Pennsylvania shares tax	686,000	640,000	602,000
Other	4,962,000	4,784,000	4,773,000
TOTAL NON-INTEREST EXPENSES	20,165,000	19,810,000	19,428,000
Income before provision for income taxes	16,944,000	17,127,000	18,546,000
Provision for income taxes	3,559,000	3,752,000	4,331,000
NET INCOME	$13,385,000	$13,375,000	$14,215,000
PER COMMON SHARE DATA:
NET INCOME - BASIC (in dollars per share)	$4.41	$4.38	$4.61
NET INCOME - DILUTED (in dollars per share)	$4.40	$4.38	$4.60
CASH DIVIDENDS PER SHARE (in dollars per share)	$2.17	$1.21	$1.49
Number of shares used in computation - basic (in shares)	3,038,298	3,055,034	3,085,796
Number of shares used in computation - diluted (in shares)	3,039,593	3,056,204	3,087,438

Consolidated_Statement_of_Chan

Consolidated Statement of Changes in Comprehensive Income (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Consolidated Statement of Changes in Comprehensive Income [Abstract]
Net income	$13,385,000	$13,375,000	$14,215,000
Securities available for sale
Change in net unrealized gain (loss) during the period	5,465,000	-9,955,000	821,000
Income tax (benefit)	1,857,000	-3,384,000	278,000
Securities available for sale	3,608,000	-6,571,000	543,000
Reclassification adjustment for gains included in income	-616,000	-441,000	-604,000
Income tax benefit	-209,000	-150,000	-205,000
Reclassification	-407,000	-291,000	-399,000
Change in unrealized loss on interest rate swap	0	200,000	148,000
Income tax expense	0	68,000	50,000
Interest rate swap	0	132,000	98,000
Change in unrecognized pension costs	-1,832,000	1,325,000	-848,000
Income tax expense (benefit)	-623,000	451,000	-288,000
Pension costs	-1,209,000	874,000	-560,000
Other comprehensive income (loss)	1,992,000	-5,856,000	-318,000
Comprehensive income	$15,377,000	$7,519,000	$13,897,000

Consolidated_Statement_of_Chan1

Consolidated Statement of Changes in Stockholders' Equity (USD $)	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Treasury Stock [Member]	Total
Balance at Dec. 31, 2011	$3,133,000	$15,313,000	$63,337,000	$4,949,000	($5,264,000)	$81,468,000
Balance (in shares) at Dec. 31, 2011	3,132,866
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income			14,215,000			14,215,000
Net other comprehensive loss				-318,000		-318,000
Stock dividend	28,000	1,110,000	-1,138,000			0
Stock dividend (in shares)	28,458
Purchase of treasury stock					-1,348,000	-1,348,000
Restricted stock and Board of Director awards		-156,000			14,000	-142,000
Restricted stock vesting		201,000				201,000
Cash dividend reinvestment paid from treasury stock						0
Cash dividends			-4,601,000			-4,601,000
Balance at Dec. 31, 2012	3,161,000	16,468,000	71,813,000	4,631,000	-6,598,000	89,475,000
Balance (in shares) at Dec. 31, 2012	3,161,324
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income			13,375,000			13,375,000
Net other comprehensive loss				-5,856,000		-5,856,000
Stock dividend	145,000	7,022,000	-7,167,000			0
Stock dividend (in shares)	144,193
Purchase of treasury stock					-1,483,000	-1,483,000
Restricted stock and Board of Director awards		-149,000			34,000	-115,000
Restricted stock vesting		218,000				218,000
Forfeited restricted stock		2,000			-2,000
Cash dividend reinvestment paid from treasury stock		1,000	-138,000		137,000	0
Cash dividends			-3,558,000			-3,558,000
Balance at Dec. 31, 2013	3,306,000	23,562,000	74,325,000	-1,225,000	-7,912,000	92,056,000
Balance (in shares) at Dec. 31, 2013	3,305,517
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income			13,385,000			13,385,000
Net other comprehensive loss				1,992,000		1,992,000
Stock dividend	29,000	1,568,000	-1,597,000			0
Stock dividend (in shares)	29,719
Purchase of treasury stock					-814,000	-814,000
Restricted stock and Board of Director awards		-189,000			19,000	-170,000
Restricted stock vesting		200,000				200,000
Cash dividend reinvestment paid from treasury stock		9,000	-480,000		471,000	0
Cash dividends			-6,121,000			-6,121,000
Balance at Dec. 31, 2014	$3,335,000	$25,150,000	$79,512,000	$767,000	($8,236,000)	$100,528,000
Balance (in shares) at Dec. 31, 2014	3,335,236

Consolidated_Statement_of_Chan2

Consolidated Statement of Changes in Stockholders' Equity (Parenthetical) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Consolidated Statement of Changes in Stockholders' Equity [Abstract]
Purchase of treasury stock (in shares)	15,474	31,092	33,042
Cash dividends (in dollars per share)	$2.17	$1.21	$1.49

Consolidated_Statement_of_Cash

Consolidated Statement of Cash Flows (USD $)	12 Months Ended
Consolidated Statement of Cash Flows (USD $)	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Cash Flows from Operating Activities:
Net income	$13,385,000	$13,375,000	$14,215,000
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	585,000	405,000	420,000
Depreciation and amortization	472,000	428,000	420,000
Amortization and accretion on investment securities	2,133,000	2,427,000	2,364,000
Deferred income taxes	478,000	670,000	-58,000
Investment securities gains, net	-616,000	-441,000	-604,000
Earnings on bank owned life insurance	-507,000	-502,000	-507,000
Stock awards	200,000	218,000	201,000
Originations of loans held for sale	-11,129,000	-20,239,000	-37,398,000
Proceeds from sales of loans held for sale	11,146,000	21,862,000	36,699,000
Gains on loans sold	-236,000	-443,000	-759,000
Decrease (increase) in accrued interest receivable	84,000	88,000	-195,000
Decrease in accrued interest payable	-139,000	-248,000	-369,000
Other, net	322,000	217,000	382,000
Net cash provided by operating activities	16,178,000	17,817,000	14,811,000
Available-for-sale securities:
Proceeds from sales of available-for-sale securities	28,989,000	25,461,000	20,619,000
Proceeds from maturity and principal repayments of securities	41,756,000	78,596,000	117,375,000
Purchase of securities	-56,257,000	-123,488,000	-130,966,000
Proceeds from redemption of Regulatory Stock	4,706,000	1,634,000	1,141,000
Purchase of Regulatory Stock	-2,815,000	-1,997,000	-1,405,000
Net increase in loans	-15,331,000	-38,620,000	-15,230,000
Purchase of interest bearing time deposits	-3,480,000	-2,480,000	0
Purchase of bank owned life insurance	-5,123,000	0	0
Purchase of premises, equipment and software	-1,309,000	-328,000	-438,000
Proceeds from sale of foreclosed assets held for sale	647,000	285,000	738,000
Net cash used in investing activities	-8,217,000	-60,937,000	-8,166,000
Cash Flows from Financing Activities:
Net increase in deposits	25,617,000	11,220,000	3,103,000
Proceeds from long-term borrowings	6,820,000	0	0
Repayments of long-term borrowings	-4,200,000	-20,781,000	-5,590,000
Net (decrease) increase in short-term borrowed funds	-27,753,000	41,587,000	-2,166,000
Purchase of treasury stock	-814,000	-1,483,000	-1,348,000
Purchase of restricted stock	-170,000	-115,000	-142,000
Dividends paid	-6,121,000	-3,558,000	-4,601,000
Net cash provided by (used in) financing activities	-6,621,000	26,870,000	-10,744,000
Net increase (decrease) in cash and cash equivalents	1,340,000	-16,250,000	-4,099,000
Cash and Cash Equivalents at Beginning of Year	10,083,000	26,333,000	30,432,000
Cash and Cash Equivalents at End of Year	11,423,000	10,083,000	26,333,000
Supplemental Disclosures of Cash Flow Information:
Interest paid	5,092,000	6,563,000	8,028,000
Income taxes paid	2,835,000	3,245,000	4,345,000
Non-cash activities:
Real estate acquired in settlement of loans	1,095,000	1,051,000	374,000
Real estate transferred from other assets	$549,000	$0	$0

SUMMARY_OF_SIGNIFICANT_ACCOUNT

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 2014
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

	Business and Organization

	Citizens Financial Services, Inc. (individually and collectively, the “Company”) is headquartered in Mansfield, Pennsylvania, and provides a full range of banking and related services through its wholly owned subsidiary, First Citizens Community Bank (the “Bank”), and its wholly owned subsidiary, First Citizens Insurance Agency, Inc. During 2012, the Bank converted from a national bank to a Pennsylvania state chartered bank and trust company, which resulted in a name change from First Citizens National Bank. As of December 31, 2014, the Bank operates seventeen full-service banking braches in Potter, Tioga and Bradford counties, Pennsylvania and Allegany County, New York and loan production offices in Clinton and Luzerne Counties in Pennsylvania. The Company is currently constructing a full service branch in the Clinton County Pennsylvania market, which is expected to open in the first quarter of 2015 and will replace the loan production office. The Bank also provides trust services, including the administration of trusts and estates, retirement plans, and other employee benefit plans, along with a brokerage division that provides a comprehensive menu of investment services. The Bank serves individual and corporate customers and is subject to competition from other financial institutions and intermediaries with respect to these services. The Company and Bank are supervised by the Board of Governors of the Federal Reserve System, while the Bank is subject to additional regulation and supervision by the Pennsylvania Department of Banking.

	A summary of significant accounting and reporting policies applied in the presentation of the accompanying financial statements follows:

	Basis of Presentation

	The financial statements are consolidated to include the accounts of the Company and its subsidiary, First Citizens Community Bank, and its subsidiary, First Citizens Insurance Agency, Inc. These statements have been prepared in accordance with U.S. generally accepted accounting principles. All significant inter-company accounts and transactions have been eliminated in the consolidated financial statements.

	In preparing the financial statements, management makes estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses for the period. Actual results could differ significantly from those estimates. Material estimates that are particularly susceptible to significant change relate to determination of the allowance for loan losses and deferred tax assets and liabilities.

	Operating Segments

	An operating segment is defined as a component of an enterprise that engages in business activities that generates revenue and incurs expense, and the operating results of which are reviewed by the chief operating decision maker in the determination of resource allocation and performance. While the Company’s chief decision makers monitor the revenue streams of the various Company’s products and services, operations are managed and financial performance is evaluated on a Company-wide basis. Consistent with our internal reporting, the Company’s business activities are reported as one segment, which is community banking.

	Cash and Cash Equivalents

	Cash equivalents include cash on hand, deposits in banks and interest-earning deposits. Interest-earning deposits with original maturities of 90 or less are considered cash equivalents. Net cash flows are reported for loan, deposits and short term borrowing transactions.

	Interest bearing time deposits with other banks are not included with cash and cash equivalents as the original maturities were greater than 90 days.

	Investment Securities

	Investment securities at the time of purchase are classified as one of the three following types:

	Held-to-Maturity Securities - Includes securities that the Company has the positive intent and ability to hold to maturity. These securities are reported at amortized cost. The Company had no held-to-maturity securities as of December 31, 2014 and 2013.

	Trading Securities - Includes debt and equity securities bought and held principally for the purpose of selling them in the near term. Such securities are reported at fair value with unrealized holding gains and losses included in earnings. The Company had no trading securities as of December 31, 2014 and 2013.

	Available-for-Sale Securities - Includes debt and equity securities not classified as held-to-maturity or trading securities that will be held for indefinite periods of time. These securities may be sold in response to changes in market interest or prepayment rates, needs for liquidity and changes in the availability of and yield of alternative investments. Such securities are reported at fair value, with unrealized holding gains and losses excluded from earnings and reported as a separate component of stockholders’ equity, net of estimated income tax effect.

	The amortized cost of investment in debt securities is adjusted for amortization of premiums and accretion of discounts, computed by a method that results in a level yield. Gains and losses on the sale of investment securities are computed on the basis of specific identification of the adjusted cost of each security.

	Securities are periodically reviewed for other-than-temporary impairment. For debt securities, management considers whether the present value of future cash flows expected to be collected are less than the security’s amortized cost basis (the difference defined as the credit loss), the magnitude and duration of the decline, the reasons underlying the decline and the Company’s intent to sell the security or whether it is more likely than not that the Company would be required to sell the security before its anticipated recovery in market value, to determine whether the loss in value is other than temporary. Once a decline in value is determined to be other than temporary, if the Company does not intend to sell the security, and it is more-likely-than-not that it will not be required to sell the security, before recovery of the security’s amortized cost basis, the charge to earnings is limited to the amount of credit loss. Any remaining difference between fair value and amortized cost (the difference defined as the non-credit portion) is recognized in other comprehensive income, net of applicable taxes. Otherwise, the entire difference between fair value and amortized cost is charged to earnings. For equity securities where the fair value has been significantly below cost for one year, the Company’s policy is to recognize an impairment loss unless sufficient evidence is available that the decline is not other than temporary and a recovery period can be predicted. A decline in value that is considered to be other-than-temporary is recorded as a loss within non-interest income in the Consolidated Statement of Income.

	Common stock of the Federal Reserve Bank, Federal Home Loan Bank and correspondent banks represent ownership in institutions which are wholly owned by other financial institutions. These equity securities are accounted for at cost and are classified as other assets.

	The fair value of investments, except certain state and municipal securities, is based on bid prices published in financial newspapers or bid quotations received from securities dealers. The fair value of certain state and municipal securities is not readily available through market sources other than dealer quotations, so fair value is based on quoted market prices of similar instruments, adjusted for differences between the quoted instruments and the instruments being valued.

	Loans

	Interest on all loans is recognized on the accrual basis based upon the principal amount outstanding. The accrual of interest income on loans is discontinued when, in the opinion of management, doubt exists as to the ability to collect such interest. Payments received on non-accrual loans are applied to the outstanding principal balance or recorded as interest income, depending upon our assessment of our ultimate ability to collect principal and interest. Loans are returned to the accrual status when factors indicating doubtful collectability cease to exist.

	The Company recognizes nonrefundable loan origination fees and certain direct loan origination costs over the life of the related loan as an adjustment of loan yield using the interest method.

	Allowance For Loan Losses

	The allowance for loan losses represents the amount which management estimates is adequate to provide for probable losses inherent in its loan portfolio. The allowance method is used in providing for loan losses. Accordingly, all loan losses are charged to the allowance and all recoveries are credited to it. The allowance for loan losses is established through a provision for loan losses which is charged to operations. The provision is based upon management’s periodic evaluation of individual loans, the overall risk characteristics of the various portfolio segments, past experience with losses, the impact of economic conditions on borrowers, and other relevant factors. The estimates used in determining the adequacy of the allowance for loan losses are particularly susceptible to significant change in the near term.

	Impaired loans are commercial, municipal, agricultural, commercial real estate loans and certain residential mortgages cross collateralized with commercial relationships for which it is probable that the Company will not be able to collect all amounts due according to the contractual terms of the loan agreement. The Company individually evaluates such loans for impairment and does not aggregate loans by major risk classifications. The definition of “impaired loans” is not the same as the definition of “non-accrual loans,” although the two categories overlap. The Company may choose to place a loan on non-accrual status due to payment delinquency or uncertain collectability, while not classifying the loan as impaired if the loan is not a commercial, agricultural, municipal or commercial real estate loan. Factors considered by management in determining impairment include payment status and collateral value. The amount of impairment for these types of impaired loans is determined by the difference between the present value of the expected cash flows related to the loan, using the original interest rate, and its recorded value; or, as a practical expedient in the case of a collateral dependent loan, the difference between the fair value of the collateral and the recorded amount of the loans.

	Mortgage loans on one to four family properties and all consumer loans are large groups of smaller balance homogeneous loans and are measured for impairment collectively. Loans that experience insignificant payment delays, which is defined as 90 days or less, generally are not classified as impaired. Management determines the significance of payment delays 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 borrower’s prior payment record, and the amount of shortfall in relation to the principal and interest owed.

	The Company allocates the allowance based on the factors described below, which conform to the Company’s loan classification policy. In reviewing risk within the Bank’s loan portfolio, management has determined there to be several different risk categories within the loan portfolio. The allowance for loan losses consists of amounts applicable to: (i) residential real estate loans; (ii) commercial and agricultural real estate loans; (iii) construction; (iv) consumer loans; (v) commercial and other loans and (vi) state and political subdivision loans. Factors considered in this process include general loan terms, collateral, and availability of historical data to support the analysis. Historical loss percentages for each risk category are calculated and used as the basis for calculating allowance allocations. Certain qualitative factors are evaluated to determine additional inherent risks in the loan portfolio, which are not necessarily reflected in the historical loss percentages. These factors are then added to the historical allocation percentage to get the adjusted factor to be applied to non classified loans. The following qualitative factors are analyzed:

	·	Level of and trends in delinquencies, impaired/classified loans
		Change in volume and severity of past due loans
		Volume of non-accrual loans
		Volume and severity of classified, adversely or graded loans
	·	Level of and trends in charge-offs and recoveries
	·	Trends in volume, terms and nature of the loan portfolio
·	Effects of any changes in risk selection and underwriting standards and any other changes in lending and recovery policies, procedures and practices
·	Changes in the quality of the Bank’s loan review system
·	Experience, ability and depth of lending management and other relevant staff
·	National, state, regional and local economic trends and business conditions
	General economic conditions
	Unemployment rates
	Inflation / CPI
	Changes in values of underlying collateral for collateral-dependent loans
·	Industry conditions including the effects of external factors such as competition, legal, and regulatory requirements on the level of estimated credit losses.
·	Existence and effect of any credit concentrations, and changes in the level of such concentrations
·	Any change in the level of board oversight

The Company also maintains an unallocated allowance to account for any factors or conditions that may cause a potential loss but are not specifically addressed in the process described above. The Company analyzes its loan portfolio each quarter to determine the appropriateness of its allowance for loan losses.

Loan Charge-off Policies

Consumer loans are generally fully or partially charged down to the fair value of collateral securing the asset when the loan is 180 days past due for open-end loans or 120 days past due for closed-end loans unless the loan is well secured and in the process of collection. All other loans are generally charged down to the net realizable value when the loan is 90 days past due.

Troubled Debt Restructurings

In situations where, for economic or legal reasons related to a borrower's financial difficulties, management may grant a concession for other than an insignificant period of time to the borrower that would not otherwise be considered, the related loan is classified as a Troubled Debt Restructuring (TDR). Management strives to identify borrowers in financial difficulty early and work with them to modify more affordable terms before their loan reaches nonaccrual status. These modified terms may include rate reductions, principal forgiveness, payment forbearance and other actions intended to minimize the economic loss and to avoid foreclosure or repossession of the collateral. In cases where borrowers are granted new terms that provide for a reduction of either interest or principal, management measures any impairment on the restructuring as noted above for impaired loans. In addition to the allowance for the pooled portfolios, management has developed a separate allowance for loans that are identified as impaired through a TDR. These loans are excluded from pooled loss forecasts and a separate reserve is provided under the accounting guidance for loan impairment.

Foreclosed Assets Held For Sale

Foreclosed assets acquired in settlement of loans are carried at fair value less estimated costs to sell. Prior to foreclosure, the value of the underlying loan is written down to fair market value of the real estate or other assets to be acquired by a charge to the allowance for loan losses, if necessary. Any subsequent write-downs are charged against operating expenses. Operating expenses of such properties, net of related income and losses on disposition, are included in other expenses and gains and losses are included in other non-interest income or other non-interest expense.

Premises and Equipment

Premises and equipment are stated at cost, less accumulated depreciation. Depreciation expense is computed on straight line and accelerated methods over the estimated useful lives of the assets, which range from 3 to 15 years for furniture, fixtures and equipment and 5 to 40 years for building premises. Repair and maintenance expenditures which extend the useful life of an asset are capitalized and other repair expenditures are expensed as incurred.

When premises or equipment are retired or sold, the remaining cost and accumulated depreciation are removed from the accounts and any gain or loss is credited to income or charged to expense, respectively.

Intangible Assets

Intangible assets include core deposit intangibles, which are a measure of the value of consumer demand and savings deposits acquired in business combinations accounted for as purchases. The core deposit intangibles are being amortized from 3 to 5 ½ year life on a straight-line basis depending on the acquisition and are included in other assets. The recoverability of the carrying value of intangible assets is evaluated on an ongoing basis, and permanent declines in value, if any, are charged to expense. As of December 31, 2014 and 2013, these core deposit intangibles were fully amortized. Amortization expense amounted to $15,000 for 2012. There was no amortization expense in either 2014 or 2013.

Goodwill

The Company utilizes a two-step process for testing the impairment of goodwill on at least an annual basis. This approach could cause more volatility in the Company’s reported net income because impairment losses, if any, could occur irregularly and in varying amounts. The Company performs an annual impairment analysis of goodwill. Based on the fair value of the reporting unit, no impairment of goodwill was recognized in 2014, 2013 or 2012.

Bank Owned Life Insurance

The Company has purchased life insurance policies on certain officers. As of December 31, 2014, the Company was the owner and sole beneficiary of the policies. Effective January 1, 2015, the insurance policies were restructured so that any death benefits received from a policy while the insured person is an active employee of the Bank will be split with the beneficiary of the policy. Under these restructured agreements, the Bank receives the cash surrender value of the policy plus 50% of the benefit in excess of the cash surrender value and the remaining amount of the payout will be given to the beneficiary of the policy. Bank owned life insurance is recorded at its cash surrender value, or the amount that can be realized. Increases in the cash surrender value are recognized as other non-interest income.

Income Taxes

The Company and the Bank file a consolidated federal income tax return. Deferred tax assets and liabilities are computed based on the difference between the financial statement basis and income tax basis of assets and liabilities using the enacted marginal tax rates. Deferred income tax expenses or benefits are based on the changes in the net deferred tax asset or liability from period to period.

Employee Benefit Plans

The Company has a noncontributory defined benefit pension plan covering employees hired before January 1, 2007. It is the Company’s policy to fund pension costs on a current basis to the extent deductible under existing tax regulations. Such contributions are intended to provide not only for benefits attributed to service to date, but also for those expected to be earned in the future.

The Company has a defined contribution, 401(k) plan covering eligible employees. The employee may also contribute to the plan on a voluntary basis, up to a maximum percentage allowable not to exceed the limits of Code Sections 401(k). Under the plan, the Company also makes contributions on behalf of eligible employees, which vest immediately. For employees hired after January 1, 2007, in lieu of the pension plan, an additional annual discretionary 401(k) plan contribution is made and is equal to a percentage of an employee’s base compensation.

The Company also has a profit-sharing plan for employees which provide tax-deferred salary savings to plan participants. The Company has a deferred compensation plan for directors who have elected to defer all or portions of their fees until their retirement or termination from service.

The Company has a restricted stock plan which covers eligible employees and non-employee corporate directors. Under the plan, awards are granted based upon performance related requirements and are subject to certain vesting criteria. Compensation cost related to restricted stock is recognized based on the market price of the stock at the grant date over the vesting period.

The Company maintains a non-qualified supplemental executive retirement plan (“SERP”) for certain executives to compensate those executive participants in the Company’s noncontributory defined benefit pension plan whose benefits are limited by compensation limitations under current tax law. The SERP is considered an unfunded plan for tax and ERISA purposes and all obligations arising under the SERP are payable from the general assets of the Company. Expenses under the SERP are recognized as earned over the expected years of service.

Mortgage Servicing Rights (MSR’s)

The Company originates certain loans for the express purpose of selling such loans in the secondary market. The Company maintains all servicing rights for these loans. The loans held for sale are carried at lower of cost or market. Originated MSR’s are recorded by allocating total costs incurred between the loan and servicing rights based on their relative fair values. MSR’s are amortized in proportion to the estimated servicing income over the estimated life of the servicing portfolio and measured for impairment.

Derivative Financial Instruments

The Company entered into an interest rate swap derivative to convert floating-rate debt to fixed-rate debt. This derivative matured in 2013 and was not replaced. The Company's interest rate swap agreement involved an agreement to pay a fixed rate and receive a floating rate, at specified intervals, calculated on an agreed-upon notional amount. The Company's objective in entering into this interest rate financial instrument was to mitigate its exposure to significant unplanned fluctuations in earnings caused by volatility in interest rates. As of December 31, 2012, the derivative instrument entered into was designated as a hedge of underlying exposures. The Company did not use this instrument for trading or speculative purposes. Derivative instruments used by the Company involve, to varying degrees, elements of credit risk, in the event a counter party should default, and market risk, as the instruments are subject to interest rate fluctuations. Credit risk is managed through the use of counterparty diversification and monitoring of counterparty financial condition.

All derivatives are recognized on the balance sheet at their fair value. The derivative entered into by the Company qualified for and was designated as a cash flow hedge. Changes in the fair value of a derivative that is highly effective, and that is designated and qualifies as a cash flow hedge to the extent that the hedge is effective, are recorded in other comprehensive income (loss) until earnings are affected by the variability of cash flows of the hedged transaction (e.g. until periodic settlements of a variable asset or liability are recorded in earnings). Any hedge ineffectiveness (which represents the amount by which the changes in the fair value of the derivative exceed the variability in the cash flows of the forecasted transaction) is recorded in current-period earnings. There was no net gain or loss recognized in earnings related to our derivative instruments during the years ended December 31, 2013 and 2012.

Comprehensive Income
The Company is required to present comprehensive income in a full set of general purpose financial statements for all periods presented. Other comprehensive income (loss) is comprised of unrealized holding gains (losses) on the available-for-sale securities portfolio, unrecognized pension costs, and unrealized gain (loss) on interest rate swap.

Recent Accounting Pronouncements

In January 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2014-01, Investments – Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Qualified Affordable Housing Projects. The amendments in this Update permit reporting entities to make an accounting policy election to account for their investments in qualified affordable housing projects using the proportional amortization method if certain conditions are met. Under the proportional amortization method, an entity amortizes the initial cost of the investment in proportion to the tax credits and other tax benefits received and recognizes the net investment performance in the income statement as a component of income tax expense (benefit). The amendments in this Update should be applied retrospectively to all periods presented. A reporting entity that uses the effective yield method to account for its investments in qualified affordable housing projects before the date of adoption may continue to apply the effective yield method for those preexisting investments. The amendments in this Update are effective for public business entities for annual periods and interim reporting periods within those annual periods, beginning after December 15, 2014. Early adoption is permitted. This Update is not expected to have a significant impact on the Company’s financial statements.

In January 2014, the FASB issued ASU 2014-04, Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40): Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure. The amendments in this Update clarify that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. The amendments in this Update are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. An entity can elect to adopt the amendments in this Update using either a modified retrospective transition method or a prospective transition method. This Update is not expected to have a significant impact on the Company’s financial statements.

In May 2014, the FASB issued ASU 2014-09, Revenue from Contracts with Customers (a new revenue recognition standard). The Update’s core principle is that a company will recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. In addition, this update specifies the accounting for certain costs to obtain or fulfill a contract with a customer and expands disclosure requirements for revenue recognition. This Update is effective for annual reporting periods beginning after December 15, 2016, including interim periods within that reporting period. The Company is evaluating the effect of adopting this new accounting Update.

In June 2014, the FASB issued ASU 2014-11, Transfers and Servicing (Topic 860): Repurchase-to-Maturity Transactions, Repurchase Financings, and Disclosures. The amendments in this Update change the accounting for repurchase-to-maturity transactions to secured borrowing accounting. For repurchase financing arrangements, the amendments require separate accounting for a transfer of a financial asset executed contemporaneously with a repurchase agreement with the same counterparty, which will result in secured borrowing accounting for the repurchase agreement. The amendments also require enhanced disclosures. The accounting changes in this Update are effective for the first interim or annual period beginning after December 15, 2014. An entity is required to present changes in accounting for transactions outstanding on the effective date as a cumulative-effect adjustment to retained earnings as of the beginning of the period of adoption. Earlier application is prohibited. The disclosure for certain transactions accounted for as a sale is required to be presented for interim and annual periods beginning after December 15, 2014, and the disclosure for repurchase agreements, securities lending transactions, and repurchase-to-maturity transactions accounted for as secured borrowings is required to be presented for annual periods beginning after December 15, 2014, and for interim periods beginning after March 15, 2015. The disclosures are not required to be presented for comparative periods before the effective date. This Update is not expected to have a significant impact on the Company’s financial statements.

In June 2014, the FASB issued ASU 2014-12, Compensation-Stock Compensation (Topic 718): Accounting for Share-Based Payments when the Terms of an Award Provide that a Performance Target Could Be Achieved After the Requisite Service Period. The amendments require that a performance target that affects vesting and that could be achieved after the requisite service period be treated as a performance condition. The amendments in this Update are effective for annual periods and interim periods within those annual periods beginning after December 15, 2015. Earlier adoption is permitted. Entities may apply the amendments in this Update either (a) prospectively to all awards granted or modified after the effective date or (b) retrospectively to all awards with performance targets that are outstanding as of the beginning of the earliest annual period presented in the financial statements and to all new or modified awards thereafter. If retrospective transition is adopted, the cumulative effect of applying this Update as of the beginning of the earliest annual period presented in the financial statements should be recognized as an adjustment to the opening retained earnings balance at that date. Additionally, if retrospective transition is adopted, an entity may use hindsight in measuring and recognizing the compensation cost. This Update is not expected to have a significant impact on the Company’s financial statements.

In August 2014, the FASB issued ASU 2014-14, Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40). The amendments in this Update require that a mortgage loan be derecognized and that a separate other receivable be recognized upon foreclosure if the following conditions are met: (1) the loan has a government guarantee that is not separable from the loan before foreclosure, (2) at the time of foreclosure, the creditor has the intent to convey the real estate property to the guarantor and make a claim on the guarantee, and the creditor has the ability to recover under that claim, and (3) at the time of foreclosure, any amount of the claim that is determined on the basis of the fair value of the real estate is fixed. Upon foreclosure, the separate other receivable should be measured based on the amount of the loan balance (principal and interest) expected to be recovered from the guarantor. The amendments in this Update are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. This Update is not expected to have a significant impact on the Company’s financial statements.

In November 2014, the FASB issued ASU 2014-16, Derivatives and Hedging (Topic 815): Determining Whether the Host Contract in a Hybrid Financial Instrument Issued in the Form of a Share Is More Akin to Debt or to Equity (a consensus of the FASB Emerging Issues Task Force). This ASU clarifies how current U.S. GAAP should be interpreted in subjectively evaluating the economic characteristics and risks of a host contract in a hybrid financial instrument that is issued in the form of a share. Public business entities are required to implement the new requirements in fiscal years and interim periods within those fiscal years beginning after December 15, 2015. The Company is currently evaluating the impact the adoption of the standard will have on the Company’s financial statements.

In November 2014, the FASB issued ASU 2014-17, Business Combinations (Topic 805): Pushdown Accounting. The amendments in this Update apply to the separate financial statements of an acquired entity and its subsidiaries that are a business or nonprofit activity (either public or nonpublic) upon the occurrence of an event in which an acquirer (an individual or an entity) obtains control of the acquired entity. An acquired entity may elect the option to apply pushdown accounting in the reporting period in which the change-in-control event occurs. If pushdown accounting is not applied in the reporting period in which the change-in-control event occurs, an acquired entity will have the option to elect to apply pushdown accounting in a subsequent reporting period to the acquired entity's most recent change-in-control event. The amendments in this Update are effective on November 18, 2014. After the effective date, an acquired entity can make an election to apply the guidance to future change-in-control events or to its most recent change-in-control event. This Update is not expected to have a significant impact on the Company’s financial statements.

In January 2015, the FASB issued ASU 2015-01, Income Statement –Extraordinary and Unusual Items, as part of its initiative to reduce complexity in accounting standards. This Update eliminates from GAAP the concept of extraordinary items. The amendments in this Update are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. A reporting entity may apply the amendments prospectively. A reporting entity also may apply the amendments retrospectively to all prior periods presented in the financial statements. Early adoption is permitted provided that the guidance is applied from the beginning of the fiscal year of adoption. This Update is not expected to have a significant impact on the Company’s financial statements.

Treasury Stock

The purchase of the Company’s common stock is recorded at cost. At the date of subsequent reissue, the treasury stock account is reduced by the cost of such stock on a last-in-first-out basis.

Cash Flows

The Company utilizes the net reporting of cash receipts and cash payments for deposit, short-term borrowing and lending activities. The Company considers amounts due from banks and interest-bearing deposits in banks as cash equivalents.

Trust Assets and Income

Assets held by the Company in a fiduciary or agency capacity for its customers are not included in the consolidated financial statements since such items are not assets of the Company. In accordance with industry practice, fees are recorded on the cash basis and approximate the fees which would have been recognized on the accrual basis.

Earnings Per Share

The following table sets forth the computation of earnings per share. Earnings per share calculations give retroactive effect to stock dividends declared by the Company.

	2014	2013	2012

Basic earnings per share computation:
Net income applicable to common stock	$13,385,000	$13,375,000	$14,215,000
Weighted average common shares outstanding	3,038,298	3,055,034	3,085,796
Earnings per share - basic	$4.41	$4.38	$4.61

Diluted earnings per share computation:
Net income applicable to common stock	$13,385,000	$13,375,000	$14,215,000

Weighted average common shares outstanding for basic earnings per share	3,038,298	3,055,034	3,085,796
Add: Dilutive effects of restricted stock	1,295	1,170	1,642
Weighted average common shares outstanding for dilutive earnings per share	3,039,593	3,056,204	3,087,438
Earnings per share - dilutive	$4.40	$4.38	$4.60

Nonvested shares of restricted stock totaling, 2,248, 2,555 and 2,621 were outstanding during 2014, 2013 and 2012, respectively, but were not included in the computation of diluted earnings per common share because to do so would be anti-dilutive. These anti-dilutive shares had prices ranging from $37.10-$50.50, $34.70-$44.50 and $26.80-$37.35 for 2014, 2013 and 2012, respectively.

Reclassification

Certain of the prior year amounts have been reclassified to conform to the current year presentation. Such reclassifications had no effect on net income or stockholders’ equity.

RESTRICTIONS_ON_CASH_AND_DUE_F

RESTRICTIONS ON CASH AND DUE FROM BANKS	12 Months Ended
RESTRICTIONS ON CASH AND DUE FROM BANKS	Dec. 31, 2014
RESTRICTIONS ON CASH AND DUE FROM BANKS [Abstract]
RESTRICTIONS ON CASH AND DUE FROM BANKS	2. RESTRICTIONS ON CASH AND DUE FROM BANKS

	The Bank is required to maintain reserves, in the form of cash balances with the Federal Reserve Bank, against its deposit liabilities. The amount of such reserves was $1,526,000 and $1,447,000 at December 31, 2014 and 2013, respectively.

	Non-retirement account deposits with one financial institution are insured up to $250,000. At times, the Company maintains cash and cash equivalents with other financial institutions in excess of the insured amount.

INVESTMENT_SECURITIES

INVESTMENT SECURITIES	12 Months Ended
INVESTMENT SECURITIES	Dec. 31, 2014
INVESTMENT SECURITIES [Abstract]
INVESTMENT SECURITIES	3. INVESTMENT SECURITIES

	The amortized cost and fair value of investment securities at December 31, 2014 and 2013 were as follows (in thousands):
			Gross	Gross
		Amortized	Unrealized	Unrealized	Fair
	2014	Cost	Gains	Losses	Value
	Available-for-sale securities:
	U.S. Agency securities	$ 150,847	$ 638	$ (600)	$ 150,885
	U.S. Treasuries	4,944	-	(95)	4,849
	Obligations of state and
	political subdivisions	101,281	3,854	(99)	105,036
	Corporate obligations	13,853	190	(85)	13,958
	Mortgage-backed securities in
	government sponsored entities	29,397	368	(37)	29,728
	Equity securities in financial institutions	1,137	553	-	1,690
	Total available-for-sale securities	$ 301,459	$ 5,603	$ (916)	$ 306,146

	2013
	Available-for-sale securities:
	U.S. Agency securities	$ 153,896	$ 702	$ (2,409)	$ 152,189
	U.S. Treasuries	11,856	-	-547	11,309
	Obligations of state and
	political subdivisions	94,113	2,146	(1,254)	95,005
	Corporate obligations	16,651	341	(190)	16,802
	Mortgage-backed securities in
	government sponsored entities	40,405	566	(300)	40,671
	Equity securities in financial institutions	542	783	-	1,325
	Total available-for-sale securities	$ 317,463	$ 4,538	$ (4,700)	$ 317,301

	The following table shows the Company’s gross unrealized losses and fair value, aggregated by investment category and length of time, that the individual securities have been in a continuous unrealized loss position, at December 31, 2014 and 2013 (in thousands). As of December 31, 2014, the Company owned 58 securities whose fair value was less than their cost basis.

			Less than Twelve Months		Twelve Months or Greater		Total
				Gross		Gross		Gross
			Fair	Unrealized	Fair	Unrealized	Fair	Unrealized
	2014		Value	Losses	Value	Losses	Value	Losses
	U.S. agency securities		$ 27,382	$ (110)	$ 43,642	$ (490)	$ 71,024	$ (600)
	U.S. Treasuries		-	-	4,849	(95)	4,849	(95)
	Obligations of states and
	political subdivisions		3,596	(19)	8,584	(80)	12,180	(99)
	Corporate obligations		505	(1)	7,707	(84)	8,212	(85)
	Mortgage-backed securities in
	government sponsored entities		5,025	(4)	2,229	(33)	7,254	(37)
	Total securities		$ 36,508	$ (134)	$ 67,011	$ (782)	$ 103,519	$ (916)

	2013
	U.S. agency securities		$ 98,356	$ (2,212)	$ 2,825	$ (197)	$ 101,181	$ (2,409)
	U.S. Treasuries		11,309	(547)	-	-	11,309	(547)
	Obligations of states and
	political subdivisions		24,201	(865)	6,491	(389)	30,692	(1,254)
	Corporate obligations		6,103	(124)	2,251	(66)	8,354	(190)
	Mortgage-backed securities in
	government sponsored entities		23,920	(266)	1,164	(34)	25,084	(300)
	Total securities		$ 163,889	$ (4,014)	$ 12,731	$ (686)	$ 176,620	$ (4,700)

	As of December 31, 2014, the Company’s investment securities portfolio contained unrealized losses on agency securities issued or backed by the full faith and credit of the United States government or are generally viewed as having the implied guarantee of the U.S. government, U.S treasury notes, obligations of states and political subdivisions, corporate obligations and mortgage backed securities in government sponsored entities. For fixed maturity investments management considers whether the present value of cash flows expected to be collected are less than the security’s amortized cost basis (the difference defined as the credit loss), the magnitude and duration of the decline, the reasons underlying the decline and the Company’s intent to sell the security or whether it is more likely than not that the Company would be required to sell the security before its anticipated recovery in market value, to determine whether the loss in value is other than temporary. Once a decline in value is determined to be other than temporary, if the Company does not intend to sell the security, and it is more-likely-than-not that it will not be required to sell the security, before recovery of the security’s amortized cost basis, the charge to earnings is limited to the amount of credit loss. Any remaining difference between fair value and amortized cost (the difference defined as the non-credit portion) is recognized in other comprehensive income, net of applicable taxes. Otherwise, the entire difference between fair value and amortized cost is charged to earnings. For equity securities where the fair value has been significantly below cost for one year, the Company’s policy is to recognize an impairment loss unless sufficient evidence is available that the decline is not other than temporary and a recovery period can be predicted. As of December 31, 2014 and 2013, the Company had concluded that any impairment of its investment securities portfolio outlined in the above table is not other than temporary and is the result of interest rate changes, sector credit rating changes, or company-specific rating changes that are not expected to result in the non-collection of principal and interest during the period.

	Proceeds from sales of securities available-for-sale during 2014, 2013, and 2012 were $28,989,000, $25,461,000 and $20,619,000, respectively. The gross gains realized during 2014 consisted of $177,000, $197,000, $172,000 and $101,000 from the sales eight agency securities, seven mortgage backed securities, one municipal security and a portion of one equity security, respectively. The gross loss of $31,000 was made from the sale of two US treasury securities. The gross gains realized during 2013 consisted of realized gains of $86,000, $356,000, $296,000, $87,000 and $2,000 from the sale of seven agency securities, nine mortgage backed securities, portions of three equity securities, four municipal securities and one corporate security, respectively. The gross losses incurred during 2013 were made up of realized losses of $246,000 and $140,000 from the sale of a corporate security and two mortgage backed securities, respectively. The gross gains realized during 2012 consisted of realized gains of $50,000, $392,000, $58,000, $95,000 and $9,000 from the sale of four agency securities, twelve mortgage backed securities, portions of an equity security, two U.S. treasury securities and one municipal security, respectively. There were no losses incurred during 2012. Gross gains and gross losses were realized as follows (in thousands):

		2014	2013	2012
	Gross gains	$ 647	$ 827	$ 604
	Gross losses	31	386	-
	Net gains	$ 616	$ 441	$ 604

	Investment securities with an approximate carrying value of $186,388,000 and $194,659,000 at December 31, 2014 and 2013, respectively, were pledged to secure public funds and certain other deposits as provided by law and certain borrowing arrangements of the Company.

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. The amortized cost and fair value of debt securities at December 31, 2014, by contractual maturity, are shown below (in thousands):

	Amortized
	Cost	Fair Value
Available-for-sale securities:
Due in one year or less	$ 15,485	$ 15,662
Due after one year through five years	135,042	135,182
Due after five years through ten years	53,260	54,076
Due after ten years	96,535	99,536
Total	$ 300,322	$ 304,456

LOANS_AND_RELATED_ALLOWANCE_FO

LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES	12 Months Ended
LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES	Dec. 31, 2014
LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES [Abstract]
LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES	4. LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES

	The Company grants commercial, industrial, agricultural, residential, and consumer loans primarily to customers throughout north central Pennsylvania and Southern New York. Although the Company has a diversified loan portfolio at December 31, 2014 and 2013, a substantial portion of its debtors’ ability to honor their contracts is dependent on the economic conditions within these regions. The following table summarizes the primary segments of the loan portfolio, as well as how those segments are analyzed within the allowance for loan losses as of December 31, 2014 and 2013 (in thousands):

	2014		Total Loans	Individually	Collectively
				evaluated for	evaluated for
				impairment	impairment
	Real estate loans:
	Residential		$ 185,438	$ 316	$ 185,122
	Commercial and agricultural		215,584	6,112	209,472
	Construction		6,353	-	6,353
	Consumer		8,497	-	8,497
	Other commercial and agricultural loans		58,516	2,394	56,122
	State and political subdivision loans		79,717	-	79,717
	Total		554,105	$ 8,822	$ 545,283
	Allowance for loan losses		6,815
	Net loans		$ 547,290

	2013
	Real estate loans:
	Residential		$ 187,101	$ 342	$ 186,759
	Commercial and agricultural		215,088	8,310	206,778
	Construction		8,937	-	8,937
	Consumer		9,563	15	9,548
	Other commercial and agricultural loans		54,029	1,733	52,296
	State and political subdivision loans		65,894	-	65,894
	Total		540,612	$ 10,400	$ 530,212
	Allowance for loan losses		7,098
	Net loans		$ 533,514

	Real estate loans serviced for Freddie Mac and Fannie Mae, which are not included in the Consolidated Balance Sheet, totaled $84,676,000 and $82,618,000 at December 31, 2014 and 2013, respectively.

	As of December 31, 2014 and 2013, net unamortized loan fees and costs of $1,173,000 and $1,187,000, respectively, were included in the carrying value of loans.

	The segments of the Bank’s loan portfolio are disaggregated into classes to a level that allows management to monitor risk and performance. Residential real estate mortgages consists of 15 to 30 year first mortgages on residential real estate, while residential real estate home equities are consumer purpose installment loans or lines of credit secured by a mortgage which is often a second lien on residential real estate with terms of 15 years or less. Commercial real estate are business purpose loans secured by a mortgage on commercial real estate. Agricultural real estate are loans secured by a mortgage on real estate used in agriculture production. Construction real estate are loans secured by residential or commercial real estate used during the construction phase of residential and commercial projects. Consumer loans are typically unsecured or primarily secured by something other than real estate and overdraft lines of credit connected with customer deposit accounts. Other commercial loans are loans for commercial purposes primarily secured by non-real estate collateral. Other agricultural loans are loans for agricultural purposes primarily secured by non real estate collateral. State and political subdivisions are loans for state and local municipalities for capital and operating expenses or tax free loans used to finance commercial development.

	Management considers commercial and other loans, commercial and agricultural real estate loans and state and political subdivision loans which are 90 days or more past due to be impaired. Certain residential mortgages, home equity and consumer loans that are cross collateralized with commercial relationships determined to be impaired may be classified as impaired as well. These loans are analyzed to determine if it is probable that all amounts will not be collected according to the contractual terms of the loan agreement. If management determines that the value of the impaired loan is less than the recorded investment in the loan (net of previous charge-offs, deferred loan fees or costs and unamortized premium or discount), impairment is recognized through an allowance allocation or a charge-off to the allowance.


	The following table includes the recorded investment and unpaid principal balances for impaired loans by class, with the associated allowance amount as of December 31, 2014 and 2013, if applicable (in thousands):

		Unpaid	Investment	Investment	Total
		Principal	With No	With	Recorded	Related
		Balance	Allowance	Allowance	Investment	Allowance
	2014
	Real estate loans:
	Mortgages	$ 222	$ 125	$ 66	$ 191	$ 13
	Home Equity	130	60	65	125	12
	Commercial	8,433	5,708	404	6,112	72
	Agricultural	-	-	-	-	-
	Construction	-	-	-	-	-
	Consumer	-	-	-	-	-
	Other commercial loans	2,480	2,346	48	2,394	1
	Other agricultural loans	-	-	-	-	-
	State and political
	subdivision loans	-	-	-	-	-
	Total	$ 11,265	$ 8,239	$ 583	$ 8,822	$ 98

	2013
	Real estate loans:
	Mortgages	$ 232	$ 138	$ 70	$ 208	$ 14
	Home Equity	134	65	69	134	13
	Commercial	9,901	6,335	1,975	8,310	305
	Agricultural	-	-	-	-	-
Construction	-	-	-	-	-
Consumer	15	15	-	15	-
Other commercial loans	1,794	1,679	54	1,733	1
Other agricultural loans	-	-	-	-	-
State and political
subdivision loans	-	-	-	-	-
Total	$ 12,076	$ 8,232	$ 2,168	$ 10,400	$ 333

The following table includes the average investment in impaired loans and the income recognized on impaired loans for 2014, 2013 and 2012 (in thousands):

			Interest
	Average	Interest	Income
	Recorded	Income	Recognized
2014	Investment	Recognized	Cash Basis
Real estate loans:
Mortgages	$ 198	$ 9	$ -
Home Equity	130	4	-
Commercial	7,270	54	-
Agricultural	-	-	-
Construction	-	-	-
Consumer	10	-	-
Other commercial loans	2,031	79	-
Other agricultural loans	-	-	-
State and political
subdivision loans	-	-	-
Total	$ 9,639	$ 146	$ -

2013
Real estate loans:
Mortgages	$ 327	$ 7	$ -
Home Equity	136	4	-
Commercial	8,499	457	377
Agricultural	-	-	-
Construction	-	-	-
Consumer	5	-	-
Other commercial loans	1,761	79	-
Other agricultural loans	-	-	-
State and political
subdivision loans	-	-	-
Total	$ 10,728	$ 547	$ 377

2012
Real estate loans:
Mortgages	$ 170	$ 2	$ 2
Home Equity	112	4	4
Commercial	7,882	117	117
Agricultural	-	-	-
Construction	-	-	-
Consumer	-	-	-
Other commercial loans	461	-	-
Other agricultural loans	-	-	-
State and political
subdivision loans	-	-	-
Total	$ 8,625	$ 123	$ 123

Credit Quality Information

For commercial real estate, agricultural real estate, construction, other commercial, other agricultural loans and state and political subdivision loans, management uses a nine point internal risk rating system to monitor the credit quality. The first five categories are considered not criticized and are aggregated as “Pass” rated. The criticized rating categories utilized by management generally follow bank regulatory definitions. The definitions of each rating are defined below:

·	Pass (Grades 1-5) – These loans are to customers with credit quality ranging from an acceptable to very high quality and are protected by the current net worth and paying capacity of the obligor or by the value of the underlying collateral.

·	Special Mention (Grade 6) – This loan grade is in accordance with regulatory guidance and includes loans where a potential weakness or risk exists, which could cause a more serious problem if not corrected.

·	Substandard (Grade 7) – This loan grade is in accordance with regulatory guidance and includes loans that have a well-defined weakness based on objective evidence and be characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected.

·	Doubtful (Grade 8) – This loan grade is in accordance with regulatory guidance and includes loans that have all the weaknesses inherent in a substandard asset. In addition, these weaknesses make collection or liquidation in full highly questionable and improbable, based on existing circumstances.

·	Loss (Grade 9) – This loan grade is in accordance with regulatory guidance and includes loans that are considered uncollectible, or of such value that continuance as an asset is not warranted.

To help ensure that risk ratings are accurate and reflect the present and future capacity of borrowers to repay the loan as agreed, the Bank’s loan rating process includes several layers of internal and external oversight. The Company’s loan officers are responsible for the timely and accurate risk rating of the loans in each of their portfolios at origination and on an ongoing basis under the supervision of management. All commercial and agricultural loans are reviewed annually to ensure the appropriateness of the loan grade. In addition, the Bank engages an external consultant on at least an annual basis. The external consultant is engaged to 1) review a minimum of 55% (60% of loans prior to 2013) of the dollar volume of the commercial loan portfolio on an annual basis, 2) review new loans originated for over $1.0 million in the last years, 3) review a majority of borrowers with commitments greater than or equal to $1.0 million, 4) review selected loan relationships over $750,000 which are over 30 days past due, classified Special Mention, Substandard, Doubtful, or Loss, and 5) such other loans which management or the consultant deems appropriate.

The following tables represent credit exposures by internally assigned grades as of December 31, 2014 and 2013 (in thousands):

2014	Pass	Special Mention	Substandard	Doubtful	Loss	Ending Balance
Real estate loans:
Commercial	$ 169,383	$ 8,948	$ 12,614	$ -	$ -	$ 190,945
Agricultural	19,575	3,394	1,670	-	-	24,639
Construction	6,353	-	-	-	-	6,353
Other commercial loans	40,683	4,413	2,355	-	-	47,451
Other agricultural loans	9,221	727	1,117	-	-	11,065
State and political
subdivision loans	79,717	-	-	-	-	79,717
Total	$ 324,932	$ 17,482	$ 17,756	$ -	$ -	$ 360,170


2013
Real estate loans:
Commercial	$ 166,956	$ 4,645	$ 21,284	$ 202	$ -	$ 193,087
Agricultural	15,923	1,910	4,168	-	-	22,001
Construction	8,937	-	-	-	-	8,937
Other commercial loans	40,798	1,747	1,938	5	-	44,488
Other agricultural loans	7,431	153	1,957	-	-	9,541
State and political
subdivision loans	65,894	-	-	-	-	65,894
Total	$ 305,939	$ 8,455	$ 29,347	$ 207	$ -	$ 343,948


For residential real estate mortgages, home equities and consumer loans, credit quality is monitored based on whether the loan is performing or non-performing, which is typically based on the aging status of the loan and payment activity, unless a specific action, such as bankruptcy, repossession, death or significant delay in payment occurs to raise awareness of a possible credit event. Non-performing loans include those loans that are considered nonaccrual, described in more detail below and all loans past due 90 or more days. The following table presents the recorded investment in those loan classes based on payment activity as of December 31, 2014 and 2013 (in thousands):

2014	Performing	Non-performing	Total
Real estate loans:
Mortgages	$ 121,968	$ 890	$ 122,858
Home Equity	62,296	284	62,580
Consumer	8,444	53	8,497
Total	$ 192,708	$ 1,227	$ 193,935

2013
Real estate loans:
Mortgages	$ 119,075	$ 809	$ 119,884
Home Equity	66,989	228	67,217
Consumer	9,547	16	9,563
Total	$ 195,611	$ 1,053	$ 196,664

Age Analysis of Past Due Loans by Class

Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past due. The following table includes an aging analysis of the recorded investment of past due loans as of December 31, 2014 and 2013 (in thousands):

		30-59 Days	60-89 Days	90 Days	Total Past		Total Financing	90 Days and
2014		Past Due	Past Due	Or Greater	Due	Current	Receivables	Accruing
Real estate loans:
Mortgages		$ 318	$ 230	$ 675	$ 1,223	$ 121,635	$ 122,858	$ 214
Home Equity		442	99	260	801	61,779	62,580	132
Commercial		97	231	1,432	1,760	189,185	190,945	310
Agricultural		-	-	-	-	24,639	24,639	-
Construction		-	-	-	-	6,353	6,353	-
Consumer		119	4	7	130	8,367	8,497	6
Other commercial loans		503	258	476	1,237	46,214	47,451	174
Other agricultural loans		-	-	-	-	11,065	11,065	-
State and political
subdivision loans		-	-	-	-	79,717	79,717	-
	Total	$ 1,479	$ 822	$ 2,850	$ 5,151	$ 548,954	$ 554,105	$ 836

Loans considered non-accrual		$ 48	$ 181	$ 2,014	$ 2,243	$ 4,356	$ 6,599
Loans still accruing		1,431	641	836	2,908	544,598	547,506
	Total	$ 1,479	$ 822	$ 2,850	$ 5,151	$ 548,954	$ 554,105


		30-59 Days	60-89 Days	90 Days	Total Past		Total Financing	90 Days and
2013		Past Due	Past Due	Or Greater	Due	Current	Receivables	Accruing
Real estate loans:
Mortgages		$ 362	$ 40	$ 739	$ 1,141	$ 118,743	$ 119,884	$ 301
Home Equity		632	2	229	863	66,354	67,217	51
Commercial		88	319	3,091	3,498	189,589	193,087	344
Agricultural		-	-	-	-	22,001	22,001	-
Construction		-	-	-	-	8,937	8,937	-
Consumer		96	36	16	148	9,415	9,563	1
Other commercial loans		29	28	49	106	44,382	44,488	-
Other agricultural loans		-	-	-	-	9,541	9,541	-
State and political
subdivision loans		-	-	-	-	65,894	65,894	-
	Total	$ 1,207	$ 425	$ 4,124	$ 5,756	$ 534,856	$ 540,612	$ 697

Loans considered non-accrual		$ 98	$ 164	$ 3,427	$ 3,689	$ 4,408	$ 8,097
Loans still accruing		1,109	261	697	2,067	530,448	532,515
	Total	$ 1,207	$ 425	$ 4,124	$ 5,756	$ 534,856	$ 540,612

Nonaccrual Loans

Loans are considered for nonaccrual status upon reaching 90 days delinquency, unless the loan is well secured and in the process of collection, although the Company may be receiving partial payments of interest and partial repayments of principal on such loans or if full payment of principal and interest is not expected.

The following table reflects the loans on nonaccrual status as of December 31, 2014 and 2013, respectively. The balances are presented by class of loan (in thousands):

		2014		2013
Real estate loans:
Mortgages		$ 676		$ 508
Home Equity		152		177
Commercial		5,010		7,247
Agricultural		-		-
Construction		-		-
Consumer		47		15
Other commercial loans		714		150
Other agricultural loans		-		-
State and political subdivision		-		-

		$ 6,599		$ 8,097

Interest income on loans would have increased by approximately $527,000, $632,000 and, $531,000 during 2014, 2013 and 2012, respectively, if these loans had performed in accordance with their terms.

Troubled Debt Restructurings

In situations where, for economic or legal reasons related to a borrower's financial difficulties, management may grant a concession for other than an insignificant period of time to the borrower that would not otherwise be considered, the related loan is classified as a Troubled Debt Restructuring (TDR). Management strives to identify borrowers in financial difficulty early and work with them to modify more affordable terms before their loan reaches nonaccrual status. These modified terms may include rate reductions, principal forgiveness, payment forbearance and other actions intended to minimize the economic loss and to avoid foreclosure or repossession of the collateral. In cases where borrowers are granted new terms that provide for a reduction of either interest or principal, management measures any impairment on the restructuring by calculating the present value of the revised loan terms and comparing this balance to the Company’s investment in the loan prior to the restructuring. As these loans are individually evaluated, they are excluded from pooled portfolios when calculating the allowance for loan and lease losses and a separate allocation within the allowance for loan and lease losses is provided. Management continually evaluates loans that are considered TDRs, including payment history under the modified loan terms, the borrower’s ability to continue to repay the loan based on continued evaluation of their operating results and cash flows from operations. Based on this evaluation management would no longer consider a loan to be a TDR when the relevant facts support such a conclusion. As of December 31, 2014, 2013 and 2012, included within the allowance for loan losses are reserves of $26,000, $28,000 and $14,000, respectively, that are associated with loans modified as TDRs.

Loan modifications that are considered TDR’s completed during the years ended December 31, 2014, 2013 and 2012 were as follows (dollars in thousands):

	Number of contracts		Pre-modification Outstanding		Post-Modification
			Recorded Investment		Outstanding Recorded
					Investment
	Interest	Term	Interest	Term	Interest	Term
	Modification	Modification	Modification	Modification	Modification	Modification
2014
Real estate loans:
Commercial	-	2	$ -	$ 153	$ -	$ 153
Total	-	2	$ -	$ 153	$ -	$ 153

2013
Real estate loans:
Mortgages	1	-	$ 72	$ -	$ 72	$ -
Commercial	-	2	-	1,365	-	1,365
Other commercial loans	-	2	-	1,530	-	1,530
Total	1	4	$ 72	$ 2,895	$ 72	$ 2,895

2012
Real estate loans:
Mortgages	1	1	$ 48	$ 71	$ 48	$ 71
Commercial	-	3	-	160	-	160
Other commercial loans	-	1	-	25	-	25
Total	1	5	$ 48	$ 256	$ 48	$ 256

Recidivism, or the borrower defaulting on its obligation pursuant to a modified loan, results in the loan once again becoming a non-accrual loan. Recidivism occurs at a notably higher rate than do defaults on new origination loans, so modified loans present a higher risk of loss than do new origination loans.
Allowance for Loan Losses
The following table presents the recorded investment in loans that were modified as TDRs during each 12-month period prior to the current reporting periods, which begin January 1, 2014, 2013 and 2012, respectively, and that subsequently defaulted during these reporting periods (dollars in thousands):

	2014		2013		2012
	Number of	Recorded	Number of	Recorded	Number of	Recorded
	contracts	investment	contracts	investment	contracts	investment
Real estate loans:
Commercial	1	$ 50	1	$ 55	1	$ 50
Other commercial loans	-	-	1	6	-	-
Total recidivism	1	$ 50	2	$ 61	1	$ 50

The following tables roll forward the balance of the allowance for loan and lease losses for the years ended December 31, 2014, 2013 and 2012 and is segregated into the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment as of December 31, 2014, 2013 and 2012 (in thousands):

	Balance at	Charge-offs	Recoveries	Provision	Balance at	Individually	Collectively evaluated
	December				December	evaluated	for
	31, 2013				31, 2014	for	impairment
						impairment
Real estate loans:
Residential	$ 946	$ (97)	$ -	$ 29	$ 878	$ 25	$ 853
Commercial and agricultural	4,558	(516)	15	(187)	3,870	72	3,798
Construction	50	-	-	(24)	26	-	26
Consumer	105	(47)	27	(1)	84	-	84
Other commercial and agricultural loans	942	(250)	-	532	1,224	1	1,223
State and political				-
subdivision loans	330	-	-	215	545	-	545
Unallocated	167	-	-	21	188	-	188
Total	$ 7,098	$ (910)	$ 42	$ 585	$ 6,815	$ 98	$ 6,717

	Balance at	Charge-offs	Recoveries	Provision	Balance at	Individually evaluated	Collectively
	December				3-Dec	for	evaluated
	31, 2012				1, 2013	impairment	for
							impairment
Real estate loans:
Residential	$ 875	$ (17)	$ 5	$ 83	$ 946	$ 27	$ 919
Commercial and agricultural	4,437	(62)	5	178	4,558	305	4,253
Construction	38	-	-	12	50	-	50
Consumer	119	(54)	33	7	105	-	105
Other commercial and agricultural loans	728	(1)	-	215	942	1	941
State and political				-
subdivision loans	271	-	-	59	330	-	330
Unallocated	316	-	-	(149)	167	-	167
Total	$ 6,784	$ (134)	$ 43	$ 405	$ 7,098	$ 333	$ 6,765

	Balance at	Charge-offs	Recoveries	Provision	Balance at	Individually evaluated	Collectively evaluated
	December				December	for	for
	31, 2011				31, 2012	impairment	impairment
Real estate loans:
Residential	$ 805	$ (95)	$ -	$ 165	$ 875	$ 22	$ 853
Commercial and agricultural	4,132	(2)	9	298	4,437	559	3,878
Construction	15	-	-	23	38	-	38
Consumer	111	(54)	33	29	119	-	119
Other commercial and agricultural loans	674	(21)	7	68	728	1	727
State and political
subdivision loans	235	-	-	36	271	-	271
Unallocated	515	-	-	(199)	316	-	316
Total	$ 6,487	$ (172)	$ 49	$ 420	$ 6,784	$ 582	$ 6,202

As discussed in Footnote 1, management evaluates various qualitative factors on a quarterly basis. The following are factors that experienced changes:

2014

·	The qualitative factor for national, state, regional and local economic trends and business conditions was decreased for all loan categories due to a decrease in both local and state the unemployment rates.
·	The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were decreased for commercial and agricultural real estate due to the decrease in the Company’s classified loans to its lowest level in three years and a decrease in the amount of loans past due. This was the primary cause of the negative provision of $187,000, as substandard loans decreased $11,168,000 from 2013 to 2014.
·	The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for other commercial loans due to an increase in classified loans and delinquency during 2014.
·	The qualitative factor for levels of and trends in charge-offs and recoveries was increased for commercial real estate and other commercial loans due to the increase in charge-offs compared to historical norms for the Bank.
·	The qualitative factor for experience, ability and depth of lending management and other relevant staff was decreased for all loan categories due to the length of time employees involved throughout the loan process have been in their positions.
·	The qualitative factor for industry conditions, including the effects of external factors such as competition, legal, and regulatory requirements on the level of estimated credit losses was decreased for agricultural related loans due to the improvement in the agricultural economy as reflected by milk and commodity prices and our customers financial results.

2013

·	The qualitative factor for national, state, regional and local economic trends and business conditions was increased for all loan categories due to rising unemployment rates in the local economy as a result of the slowdown in Marcellus shale natural gas exploration activities.
·	The qualitative factor for trends in volume, terms and nature of the loan portfolio was increased for commercial and agricultural real estate, other commercial and agricultural loans and state and political subdivision loan categories due to the increase of the number of loans that are participations that were purchased from other banks and therefore subject to different underwriting standards.

2012

·	The qualitative factors for changes in levels of and trends in delinquencies and impaired/classified loans were increased for residential real estate loans and other commercial loans due to increases in the amount of loans past due.
·	The qualitative factor for changes in the quality of the loan review system was increased for all portfolio types due to personnel changes.
·	The qualitative factor for changes in values of underlying collateral was decreased for residential and commercial real estate loans as flooding experienced in our primary market area of north central Pennsylvania at the end of 2011 was not as severe as estimated for the year ended December 31, 2011.
·	The qualitative factor for changes in unemployment rates was increased for all loan types due to rising unemployment rates in the Bank’s primary market during 2012.
·	The qualitative factor for the existence and effect of any credit concentrations and changes in the level of such concentrations was increased for commercial real estate loans and other commercial loans due to the increased size of these loans in regards to the Company’s loan portfolio.

PREMISES_EQUIPMENT

PREMISES & EQUIPMENT	12 Months Ended
	Dec. 31, 2014
PREMISES & EQUIPMENT [Abstract]
PREMISES & EQUIPMENT	5. PREMISES & EQUIPMENT

	Premises and equipment at December 31, 2014 and 2013 are summarized as follows (in thousands):

		December 31,
		2014	2013
	Land	$ 3,295	$ 3,295
	Buildings	12,456	12,448
	Furniture, fixtures and equipment	6,187	6,204
	Construction in process	1,836	104
		23,774	22,051
	Less: accumulated depreciation	11,417	10,946
	Premises and equipment, net	$ 12,357	$ 11,105

	Depreciation expense amounted to $537,000, $598,000 and $606,000 for 2014, 2013 and 2012, respectively.

GOODWILL

GOODWILL	12 Months Ended
GOODWILL	Dec. 31, 2014
GOODWILL [Abstract]
GOODWILL	6. GOODWILL

	As of December 31, 2014 and 2013, the Company had goodwill of $10,256,000, which is tested for impairment on an annual basis. Based on the fair value of the reporting unit, no goodwill impairment loss was recognized in 2014, 2013 or, 2012.

FEDERAL_HOME_LOAN_BANK_FHLB_ST

FEDERAL HOME LOAN BANK (FHLB) STOCK	12 Months Ended
FEDERAL HOME LOAN BANK (FHLB) STOCK	Dec. 31, 2014
FEDERAL HOME LOAN BANK (FHLB) STOCK [Abstract]
FEDERAL HOME LOAN BANK (FHLB) STOCK	7. FEDERAL HOME LOAN BANK (FHLB) STOCK

	The Bank is a member of the FHLB of Pittsburgh and as such, is required to maintain a minimum investment in stock of the FHLB that varies with the level of advances outstanding with the FHLB. As of December 31, 2014 and December 31, 2013, the Bank holds $1,761,000 and $3,652,000, respectively. The stock does not have a readily determinable fair value and as such is classified as restricted stock, carried at cost and evaluated by management. The stock’s value is determined by the ultimate recoverability of the par value rather than by recognizing temporary declines. The determination of whether the par value will ultimately be recovered is influenced by criteria such as the following: (a) A significant decline in net assets of the FHLB as compared to the capital stock amount and the length of time this situation has persisted (b) commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance (c) the impact of legislative and regulatory changes on the customer base of the FHLB and (d) the liquidity position of the FHLB. Management evaluated the stock and concluded that the stock was not impaired for the periods presented herein. Management considered that the FHLB’s regulatory capital ratios have improved, liquidity appears adequate, new shares of FHLB stock continue to exchange hands at the $100 par value and the FHLB has repurchased shares of excess capital stock from its members and has paid a quarterly cash dividend.

DEPOSITS

DEPOSITS	12 Months Ended
DEPOSITS	Dec. 31, 2014
DEPOSITS [Abstract]
DEPOSITS	8. DEPOSITS

	The following table shows the breakdown of deposits as of December 31, 2014 and 2013, by deposit type (dollars in thousands):

		2014	2013
	Non-interest-bearing deposits	$ 95,526	$ 85,585
	NOW accounts	226,038	215,656
	Savings deposits	108,252	95,678
	Money market deposit accounts	95,350	85,038
	Certificates of deposit	248,767	266,359
	Total	$ 773,933	$ 748,316

	Certificates of deposit of $250,000 or more amounted to $47,310,000 and $52,809,000 at December 31, 2014 and 2013, respectively.

	Following are maturities of certificates of deposit as of December 31, 2014 (in thousands):

	2015	$ 118,633
	2016	44,531
	2017	39,426
	2018	18,406
	2019	17,834
	Thereafter	9,937
	Total certificates of deposit	$ 248,767

BORROWED_FUNDS

BORROWED FUNDS	12 Months Ended
BORROWED FUNDS	Dec. 31, 2014
BORROWED FUNDS [Abstract]
BORROWED FUNDS	9. BORROWED FUNDS

	The following table shows the breakdown of borrowed funds as of December 31, 2014 and 2013, (dollars in thousands):

		Securities
		Sold Under						Total
		Agreements to	FHLB	Federal Funds	FRB	Notes	Term	Borrowed
		Repurchase(a)	Advances(b)	Line (c)	BIC Line (d)	Payable(e,f)	Loans(g)	Funds
	2014
	Balance at December 31	$ 5,906	$ 16,593	$ -	$ -	$ 7,500	$ 11,800	$ 41,799
	Highest balance at any month-end	7,277	39,902	-	-	7,500	18,200	72,879
	Average balance	6,535	9,991	1	1	7,500	15,180	39,208
	Weighted average interest rate:
	Paid during the year	0.91%	0.27%	0.76%	0.75%	3.09%	1.89%	1.55%
	As of year-end	0.99%	0.24%	0.00%	0.00%	3.04%	2.54%	1.50%

	2013
	Balance at December 31	$ 7,278	$ 42,954	$ -	$ -	$ 7,500	$ 9,200	$ 66,932
	Highest balance at any month-end	8,923	42,954	-	-	7,500	30,000	89,377
	Average balance	7,821	4,871	-	-	7,500	22,022	42,214
	Weighted average interest rate:
	Paid during the year	0.88%	0.25%	0.73%	0.75%	5.82%	3.13%	2.86%
	As of year-end	0.87%	0.25%	0.00%	0.00%	3.04%	2.78%	0.96%

	(a) Securities sold under agreements to repurchase mature within 5 years. As of December 31, 2014 and 2013, repurchase agreements with original maturities of less than one year totaled $4,677,000 and $6,069,000, respectively. As of December 31, 2014 and 2013, repurchase agreements with original maturities greater than one year totaled $1,229,000 and $1,209,000, respectively. The carrying value of the underlying securities pledged at December 31, 2014 and 2013 was $15,838,000 and $12,416,000, respectively.

	(b) FHLB Advances consist of an “Open RepoPlus” agreement with the Federal Home Loan Bank of Pittsburgh. FHLB “Open RepoPlus” advances are short-term borrowings that bear interest based on the Federal Home Loan Bank discount rate or Federal Funds rate, whichever is higher. The Company has a borrowing limit of $262,598,000, inclusive of any outstanding advances. FHLB advances are secured by a blanket security agreement that includes the Company’s FHLB stock, as well as certain investment and mortgage-backed securities held in safekeeping at the FHLB and certain residential and commercial mortgage loans. At December 31, 2014 and 2013, the approximate carrying value of the securities collateral was $372,000 and $4,514,000, respectively.

	(c) The federal funds line consists of an unsecured line from a third party bank at market rates. The Company has a borrowing limit of $10,000,000, inclusive of any outstanding balances. No specific collateral is required to be pledged for these borrowings.

	(d) The Federal Reserve Bank Borrower in Custody (FRB BIC) Line consists of a borrower in custody in agreement open in January 2010 with the Federal Reserve Bank of Philadelphia secured by municipal loans maintained in the Company's possession. As of December 31, 2014, the Company has a borrowing limit of $9,074,000, inclusive of any outstanding advances. The approximate carrying value of the municipal loan collateral was $17,071,000 and $16,600,000 as of December 31, 2014 and 2013, respectively.

	(e) In December 2003, the Company formed a special purpose entity (“Entity”) to issue $7,500,000 of floating rate obligated mandatory redeemable securities as part of a pooled offering. The rate was determined quarterly and floated based on the 3 month LIBOR plus 2.80. The Entity may redeem them, in whole or in part, at face value after December 17, 2008, and on a quarterly basis thereafter. The Company borrowed the proceeds of the issuance from the Entity in December 2003 in the form of a $7,500,000 note payable. Debt issue costs of $75,000 have been capitalized and fully amortized as of December 31, 2008. Under current accounting rules, the Company’s minority interest in the Entity was recorded at the initial investment amount and is included in the other assets section of the balance sheet. The Entity is not consolidated as part of the Company’s consolidated financial statements.

	(f) In December, 2008, the Company entered into an interest rate swap agreement to convert floating-rate debt to fixed rate debt on a notional amount of $7,500,000. The interest rate swap instrument involves an agreement to receive a floating rate and pay a fixed rate, at specified intervals, calculated on the agreed-upon notional amount. The differentials paid or received on interest rate swap agreements are recognized as adjustments to interest expense in the period. The interest rate swap agreement was entered into on December 17, 2008 and matured December 17, 2013.

	(g) Term Loans consist of separate loans with the Federal Home Loan Bank of Pittsburgh as follows (in thousands):

			December 31,	December 31,
	Interest Rate	Maturity	2014	2013
	Fixed:
	2.31%	January 27,2014	-	1,000
	2.80%	17-Apr-14	-	3,200
	2.29%	2-Oct-17	2,000	2,000
	2.72%	12-Jul-18	1,000	1,000
	1.87%	4-Feb-19	2,000	-
	2.61%	3-Feb-21	2,000	-
	3.52%	12-Jul-21	2,000	2,000
	2.37%	20-Aug-21	2,800	-
	Total term loans		$ 11,800	$ 9,200

	Following are maturities of borrowed funds as of December 31, 2014 (in thousands):

	2015		$ 29,465
	2016		534
	2017		2,000
	2018		1,000
	2019		2,000
	Thereafter		6,800
	Total borrowed funds		$ 41,799

EMPLOYEE_BENEFIT_PLANS

EMPLOYEE BENEFIT PLANS	12 Months Ended
EMPLOYEE BENEFIT PLANS	Dec. 31, 2014
EMPLOYEE BENEFIT PLANS [Abstract]
EMPLOYEE BENEFIT PLANS	10. EMPLOYEE BENEFIT PLANS

	Noncontributory Defined Benefit Pension Plan

	The Bank sponsors a trusteed, noncontributory defined benefit pension plan covering substantially all employees and officers. The pension plan calls for benefits to be paid to eligible employees at retirement based primarily upon years of service with the Bank and compensation rates near retirement. The Bank’s funding policy is to make annual contributions, if needed, based upon the funding formula developed by the pension plan’s actuary. For the years ended December 31, 2014, 2013 and 2012, contributions to the pension plan totaled $300,000, $1,000,000 and $750,000, respectively.

	The pension plan was amended to cease eligibility for employees with a hire date of January 1, 2007 or later. In lieu of the pension plan, employees with a hire date of January 1, 2007 or later are eligible to receive, after meeting length of service requirements, an annual discretionary 401(k) plan contribution from the Bank equal to a percentage of an employee’s base compensation. The contribution amount is placed in a separate account within the 401(k) plan and is subject to a vesting requirement. Contributions by the Company totaled $46,000, $40,000 and $30,000 for 2014, 2013 and 2012, respectively.

	The pension plan was also amended, effective January 1, 2008, for employees who are still eligible to participate. The amended pension plan calls for benefits to be paid to eligible employees based primarily upon years of service with the Bank and compensation rates during employment. Upon retirement or other termination of employment, employees can elect either an annuity benefit or a lump sum distribution of vested benefits in the pension plan.

	The following table sets forth the obligation and funded status as of December 31 (in thousands):
				2014		2013

	Change in benefit obligation
	Benefit obligation at beginning of year		$	9,739	$	10,017
	Service cost			307		342
	Interest cost			415		363
	Actuarial loss / (gain)			1,645		(380)
	Benefits paid			(329)		(603)
	Benefit obligation at end of year			11,777		9,739
	Change in plan assets
	Fair value of plan assets at beginning of year			10,519		8,761
	Actual return (loss) on plan assets			549		1,361
	Employer contribution			300		1,000
	Benefits paid			(329)		(603)
	Fair value of plan assets at end of year			11,039		10,519
	Funded status		$	(738)	$	780

	Amounts not yet recognized as a component of net periodic pension cost (in thousands):

	Amounts recognized in accumulated other
	comprehensive loss consists of:			2014		2013
		Net loss	$	3,795	$	2,008
		Prior service cost		(270)		(315)
	Total		$	3,525	$	1,693

	The accumulated benefit obligation for the defined benefit pension plan was $11,777,000 and $9,739,000 at December 31, 2014 and 2013, respectively.

	The components of net periodic benefit costs for the periods ending December 31 are as follows (in thousands):

				2014		2013		2012
	Service cost		$	307	$	342	$	330
	Interest cost			415		363		344
	Return on plan assets			(786)		(673)		(565)
	Net amortization and deferral			51		257		135
	Net periodic benefit cost (income)		$	(13)	$	289	$	244

	The estimated net loss and prior service cost that will be amortized from accumulated other comprehensive loss into the net periodic benefit cost in 2015 is $239,000 and $(47,000), respectively.

	The weighted-average assumptions used to determine benefit obligations at December 31, 2014 and 2013 is the following table. The change in the discount rate as well as revised mortality tables is the primary driver of the actuarial loss that occurred in 2014 of $1,645,000.

				2014		2013
	Discount rate			3.50%		4.30%
	Rate of compensation increase			3.00%		3.00%

	The weighted-average assumptions used to determine net periodic benefit cost (income) for the year ended December 31:

				2014		2013		2012
	Discount rate			4.30%		3.30%		4.00%
	Expected long-term return on plan assets			7.50%		7.50%		7.50%
	Rate of compensation increase			3.00%		3.00%		3.00%

	The long-term rate of return on plan assets gives consideration to returns currently being earned on plan assets as well as future rates expected to be earned. The investment objective is to maximize total return consistent with the interests of the participants and beneficiaries, and prudent investment management. The allocation of the pension plan assets is determined on the basis of sound economic principles and is continually reviewed in light of changes in market conditions. Asset allocation favors equity securities, with a target allocation of 50-70%. The target allocation for debt securities is 30-50%. At December 31, 2014, the pension plan had a sufficient cash and money market position in order to re-allocate the equity portfolio for diversification purposes and reduce risk in the total portfolio. The following table sets forth by level, within the fair value hierarchy as defined in footnote 17, the Plan’s assets at fair value as of December 31, 2014 and 2013 (in thousands):

2014			Level I		Level II		Level III		Total	Allocation
Assets
Cash and cash equivalents			$ 516		$ -		$ -		$ 516	4.70%
Equity Securities
U.S. Companies			3,761		-		-		3,761	34.00%
Mutual Funds and ETF's (a)			3,960		-		-		3,960	35.90%
Corporate Bonds			-		2,604		-		2,604	23.60%
U.S. Agency Securities			-		198		-		198	1.80%
Total			$ 8,237		$ 2,802		$ -		$ 11,039	100.00%

2013			Level I		Level II		Level III		Total	Allocation
Assets
Cash and cash equivalents			$ 648		$ -		$ -		$ 648	6.20%
Equity Securities
U.S. Companies			3,879		-		-		3,879	36.80%
Mutual Funds and ETF's (a)			3,903		-		-		3,903	37.10%
Corporate Bonds			-		1,525		-		1,525	14.50%
U.S. Agency Securities			-		564		-		564	5.40%
Total			$ 8,430		$ 2,089		$ -		$ 10,519	100.00%
(a)	This category comprises mutual funds investing in domestic large-cap, mid-caps, small caps, international large cap, emerging markets and commodities.

Equity securities include the Company’s common stock in the amounts of $550,000 (5.0% of total plan assets) and $575,000 (5.5% of total plan assets) at December 31, 2014 and 2013, respectively.

The Bank expects to contribute $500,000 to its pension plan in 2015. Expected future benefit payments that the Bank estimates from its pension plan are as follows (in thousands):

2015		$ 312
2016		386
2017		508
2018		434
2019		1,921
2020 - 2024		4,935

Defined Contribution Plan

The Company sponsors a voluntary 401(k) savings plan which eligible employees can elect to contribute up to the maximum amount allowable not to exceed the limits of IRS Code Sections 401(k). Under the plan, the Company also makes required contributions on behalf of the eligible employees. The Company’s contributions vest immediately. Contributions by the Company totaled $267,000, $255,000 and $245,000 for 2014, 2013 and 2012, respectively.

Directors’ Deferred Compensation Plan

The Company’s directors may elect to defer all or portions of their fees until their retirement or termination from service. Amounts deferred under the deferred compensation plan earn interest based upon the highest current rate offered to certificate of deposit customers. Amounts deferred under the deferred compensation plan are not guaranteed and represent a general liability of the Company. As of December 31, 2014 and 2013, an obligation of $969,000 and $981,000, respectively, was included in other liabilities for this plan in the Consolidated Balance Sheet. Amounts included in interest expense on the deferred amounts totaled $20,000, $16,000 and $16,000 for the years ended December 31, 2014, 2013 and 2012, respectively.

Restricted Stock Plan

The Company maintains a Restricted Stock Plan (the Plan) whereby employees and non-employee corporate directors are eligible to receive awards of restricted stock based upon performance related requirements. Awards granted under the Plan are in the form of the Company’s common stock and are subject to certain vesting requirements including in the case of employees, continuous employment or service with the Company. In total, 100,000 shares of the Company’s common stock have been authorized under the Plan, which terminates April 18, 2016. As of December 31, 2014, 64,158 shares remain available to be issued under the Plan. The Plan assists the Company in attracting, retaining and motivating employees to make substantial contributions to the success of the Company and to increase the emphasis on the use of equity as a key component of compensation.

The following table details the vesting, awarding and forfeiting of restricted shares during 2014:

	2014
		Weighted
		Average
	Shares	Market Price
Outstanding, beginning of year	7,172	$ 42.02
Granted	3,598	52.82
Forfeited	(7)	37.10
Vested	(3,792)	40.28
Outstanding, end of year	6,971	$ 48.55

Compensation cost related to restricted stock is recognized based on the market price of the stock at the grant date over the vesting period. Compensation expense related to restricted stock was $157,000, $155,000 and $141,000 for the years ended December 31, 2014, 2013 and 2012, respectively. The weighted-average grant-date fair value of restricted shares granted during 2014, 2013 and 2012 was $52.82, $48.21 and $37.68, respectively. At December 31, 2014 the total compensation cost related to nonvested awards that has not yet been recognized was $338,000, which is expected to be recognized over the next 2.33 years.

Supplemental Executive Retirement Plan

The Company maintains a non-qualified supplemental executive retirement plan (“SERP”) for certain executives to compensate those executive participants in the Company’s noncontributory defined benefit pension plan whose benefits are limited by compensation limitations under current tax law. At December 31, 2014 and 2013, an obligation of $1,198,000 and $1,046,000, respectively, was included in other liabilities for this plan in the Consolidated Balance Sheet. Expenses related to this plan totaled $152,000, $145,000 and $92,000 for the years ended December 31, 2014, 2013 and 2012.

INCOME_TAXES

INCOME TAXES	12 Months Ended
INCOME TAXES	Dec. 31, 2014
INCOME TAXES [Abstract]
INCOME TAXES	11. INCOME TAXES

	The provision for income taxes consists of the following (in thousands):

		Year Ended December 31,
		2014	2013	2012
	Currently payable	$ 3,081	$ 3,082	$ 4,389
	Deferred tax liability (asset)	478	670	(58)
	Provision for income taxes	$ 3,559	$ 3,752	$ 4,331


	The following temporary differences gave rise to the net deferred tax liabilities at December 31, 2014 and 2013 (in thousands):

		2014	2013
	Deferred tax assets:
	Allowance for loan losses	$ 2,317	$ 2,413
	Deferred compensation	503	528
	Merger & acquisition costs	24	29
	Allowance for losses on available-for-sale securities	420	523
	Pension and other retirement obligation	658	90
	Interest on non-accrual loans	825	793
	Incentive plan accruals	352	330
	Other real estate owned expenses	24	72
	Unrealized losses on available-for-sale securities	-	55
	Low income housing tax credits	33	1
	Other	78	94
	Total	$ 5,234	$ 4,928

	Deferred tax liabilities:
	Premises and equipment	$ (306)	$ (348)
	Investment securities accretion	(302)	(310)
	Loan fees and costs	(166)	(184)
	Goodwill and core deposit intangibles	(2,734)	(2,431)
	Mortgage servicing rights	(161)	(180)
	Unrealized gains on available-for-sale securities	(1,594)	-
	Total	(5,263)	(3,453)
	Deferred tax (liability) asset, net	$ (29)	$ 1,475

	No valuation allowance was established at December 31, 2014 and 2013, in view of the Company’s ability to carryback to taxes paid in previous years and certain tax strategies, coupled with the anticipated future taxable income as evidenced by the Company’s earnings potential.

	The total provision for income taxes is different from that computed at the statutory rates due to the following items (in thousands):

		Year Ended December 31,
		2014	2013	2012
	Provision at statutory rates on
	pre-tax income	$ 5,761	$ 5,823	$ 6,306
	Effect of tax-exempt income	(1,865)	(1,752)	(1,853)
	Low income housing tax credits	(198)	(198)	(57)
	Bank owned life insurance	(172)	(171)	(172)
	Nondeductible interest	60	70	87
	Valuation allowance	-	-	-
	Other items	(27)	(20)	20
	Provision for income taxes	$ 3,559	$ 3,752	$ 4,331
	Statutory tax rates	34%	34%	34%
	Effective tax rates	21.00%	21.90%	23.40%

	The Company prescribes a recognition threshold and a measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. Benefits from tax positions should be recognized in the financial statements only when it is more likely than not that the tax position will be sustained upon examination by the appropriate taxing authority that would have full knowledge of all relevant information. A tax position that meets the more-likely-than-not recognition threshold is measured at the largest amount of benefit that is greater than 50 percent likely of being realized upon ultimate settlement. Tax positions that previously failed to meet the more-likely-than-not recognition threshold should be recognized in the first subsequent financial reporting period in which that threshold is met. Previously recognized tax positions that no longer meet the more-likely-than-not recognition threshold should be derecognized in the first subsequent financial reporting period in which that threshold is no longer met. There is currently no liability for uncertain tax positions and no known unrecognized tax benefits. With limited exception, the Company’s federal and state income tax returns for taxable years through 2010 have been closed for purposes of examination by the federal and state taxing jurisdictions.

OTHER_COMPREHENSIVE_INCOME

OTHER COMPREHENSIVE INCOME	12 Months Ended
OTHER COMPREHENSIVE INCOME	Dec. 31, 2014
OTHER COMPREHENSIVE INCOME [Abstract]
OTHER COMPREHENSIVE INCOME	12. OTHER COMPREHENSIVE INCOME

	The components of accumulated other comprehensive income (loss), net of tax, as of December 31, were as follows (in thousands):

		2014	2013
	Net unrealized gain (loss) on securities available for sale	$ 4,687	$ (162)
	Tax effect	1,594	-54
	Net -of-tax amount	3,093	-108

	Unrecognized pension costs	-3,525	-1,693
	Tax effect	-1,199	-576
	Net -of-tax amount	-2,326	-1,117

	Total accumulated other comprehensive income (loss)	$ 767	$ (1,225)

	The following tables present the changes in accumulated other comprehensive (loss) income by component net of tax for the years ended December 31, 2014 and 2013 (in thousands):

		Unrealized gain	Unrealized	Defined Benefit Pension Items	Total
		(loss) on	gain (loss) on interest rate	(a)
		available for sale securities (a)	swap (a)
	Balance as of December 31, 2012	$ 6,754	$ (132)	$ (1,991)	$ 4,631
	Other comprehensive income (loss) before reclassifications (net of tax)	(6,571)	132	1,044	(5,395)
	Amounts reclassified from accumulated other
	comprehensive income (loss) (net of tax)	(291)	-	(170)	(461)
	Net current period other comprehensive income (loss)	(6,862)	132	874	(5,856)
	Balance as of December 31, 2013	$ (108)	$ -	$ (1,117)	$ (1,225)

	Balance as of December 31, 2013	$ (108)	$ -	$ (1,117)	$ (1,225)
	Other comprehensive income (loss) before reclassifications (net of tax)	3,608	-	(1,175)	2,433
	Amounts reclassified from accumulated other
	comprehensive income (loss) (net of tax)	(407)	-	(34)	(441)
	Net current period other comprehensive income (loss)	3,201	-	(1,209)	1,992
	Balance as of December 31, 2014	$ 3,093	$ -	$ (2,326)	$ 767
	(a) Amounts in parentheses indicate debits

	The following table presents the significant amounts reclassified out of each component of accumulated other comprehensive income (loss) for the years ended December 31, 2014 and 2013:

	Details about accumulated other comprehensive income (loss)	Amount reclassified from			Affected line item in the statement
		accumulated comprehensive income			where net Income is presented
		(loss) (a)
		December 31,
		2014	2013
	Unrealized gains and losses on available for sale securities
		$ 616	$ 441		Investment securities gains, net
		(209)	(150)		Provision for income taxes
		$ 407	$ 291		Net of tax

	Defined benefit pension items
		$ 51	$ 257		Salaries and employee benefits
		(17)	(87)		Provision (benefit) for income taxes
		$ 34	$ 170		Net of tax
	(a) Amounts in parentheses indicate debits to profit/loss

RELATED_PARTY_TRANSACTIONS

RELATED PARTY TRANSACTIONS	12 Months Ended
	Dec. 31, 2014
RELATED PARTY TRANSACTIONS [Abstract]
RELATED PARTY TRANSACTIONS	13. RELATED PARTY TRANSACTIONS

	Certain executive officers, corporate directors or companies in which they have 10 percent or more beneficial ownership were indebted to the Bank. Such loans were made in the ordinary course of business at the Bank’s normal credit terms and do not present more than a normal risk of collection. A summary of loan activity for the years ended December 31, 2014 and 2013 with officers, directors, stockholders and associates of such persons is listed below (in thousands):

		Year Ended December 31,
		2014	2013
	Balance, beginning of year	$ 4,263	$ 4,349
	New loans	2,212	2,119
	Repayments	(2,161)	(2,205)
	Balance, end of year	$ 4,314	$ 4,263

REGULATORY_MATTERS

REGULATORY MATTERS	12 Months Ended
REGULATORY MATTERS	Dec. 31, 2014
REGULATORY MATTERS [Abstract]
REGULATORY MATTERS	14. REGULATORY MATTERS

	Dividend Restrictions:

	The approval of the Federal Reserve Board is required for a bank to pay dividends up to the Company if the total of all dividends declared in any calendar year exceeds the Bank’s net income (as defined) for that year combined with its retained net income for the preceding two calendar years. Under this formula, the Bank can declare dividends in 2015 without approval of the FRB or PDB of approximately $9,189,000, plus the Bank’s net income for 2015.

	Loans:

	The Bank is subject to regulatory restrictions which limit its ability to loan funds to the Company. At December 31, 2014, the Bank’s regulatory lending limit amounted to approximately $14,625,000.

	Regulatory Capital Requirements:

	Federal regulations require the Company and the Bank to maintain minimum amounts of capital. Specifically, each is required to maintain certain minimum dollar amounts and ratios of Total and Tier I capital to risk-weighted assets and of Tier I capital to average total assets.

	In addition to the capital requirements, the Federal Deposit Insurance Corporation Improvement Act (FDICIA) established five capital categories ranging from “well capitalized” to “critically under-capitalized.” Should any institution fail to meet the requirements to be considered “adequately capitalized”, it would become subject to a series of increasingly restrictive regulatory actions.

	As of December 31, 2014 and 2013, the FRB categorized the Company and the Bank as well capitalized, under the regulatory framework for prompt corrective action. To be categorized as a well capitalized financial institution, Total risk-based, Tier I risk-based and Tier I leverage capital ratios must be at least 10%, 6% and 5%, respectively.

	The following table reflects the Company’s capital ratios at December 31 (dollars in thousands):

		2014		2013
	Total capital (to risk-weighted assets)	Amount	Ratio	Amount	Ratio
	Company	$ 106,891	18.55%	$ 100,320	17.75%
	For capital adequacy purposes	46,105	8.00%	45,211	8.00%
	To be well capitalized	57,631	10.00%	56,514	10.00%

	Tier I capital (to risk-weighted assets)
	Company	$ 99,692	17.30%	$ 92,902	16.44%
	For capital adequacy purposes	23,053	4.00%	22,606	4.00%
	To be well capitalized	34,579	6.00%	33,908	6.00%

	Tier I capital (to average assets)
	Company	$ 99,692	10.99%	$ 92,902	10.42%
	For capital adequacy purposes	36,272	4.00%	35,669	4.00%
	To be well capitalized	45,341	5.00%	44,587	5.00%

	The following table reflects the Bank’s capital ratios at December 31 (dollars in thousands):

		2014		2013
	Total capital (to risk-weighted assets)	Amount	Ratio	Amount	Ratio
	Bank	$ 97,498	16.97%	$ 97,863	17.35%
	For capital adequacy purposes	45,969	8.00%	45,135	8.00%
	To be well capitalized	57,462	10.00%	56,418	10.00%

	Tier I capital (to risk-weighted assets)
	Bank	$ 90,500	15.75%	$ 90,639	16.07%
	For capital adequacy purposes	22,985	4.00%	22,567	4.00%
	To be well capitalized	34,477	6.00%	33,851	6.00%

	Tier I capital (to average assets)
	Bank	$ 90,500	10.00%	$ 90,639	10.18%
	For capital adequacy purposes	36,218	4.00%	35,615	4.00%
	To be well capitalized	45,273	5.00%	44,519	5.00%

	This annual report has not been reviewed, or confirmed for accuracy or relevance, by the Federal Deposit Insurance Corporation.

COMMITMENTS_AND_CONTINGENT_LIA

COMMITMENTS AND CONTINGENT LIABILITIES	12 Months Ended
	Dec. 31, 2014
COMMITMENTS AND CONTINGENT LIABILITIES [Abstract]
COMMITMENTS AND CONTINGENT LIABILITIES	15. COMMITMENTS AND CONTINGENT LIABILITIES

	The Company 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. These instruments involve, to varying degrees, elements of credit and interest rate or liquidity risk in excess of the amount recognized in the consolidated balance sheet.

	Credit Extension Commitments

	The Company’s exposure to credit loss from nonperformance by the other party to the financial instruments for commitments to extend credit and standby letters of credit is represented by the contractual amount of these instruments. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. Financial instruments, whose contract amounts represent credit risk at December 31, 2014 and 2013, are as follows (in thousands):


		2014	2013
	Commitments to extend credit	$108,951	$89,847
	Standby letters of credit	10,389	12,014
		$119,340	$101,861

	Commitments to extend credit are legally binding agreements to lend to customers. Commitments generally have fixed expiration dates or other termination clauses and may require payment of fees. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future liquidity requirements. The Company evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained if deemed necessary by the Company on extension of credit is based on management’s credit assessment of the counter party.

	Standby letters of credit are conditional commitments issued by the Company to guarantee a financial agreement between a customer and a third party. Performance letters of credit represent conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. These instruments are issued primarily to support bid or performance related contracts. The coverage period for these instruments is typically a one-year period with an annual renewal option subject to prior approval by management. Fees earned from the issuance of these letters are recognized during the coverage period. For secured letters of credit, the collateral is typically Bank deposit instruments or customer business assets.

	We also offer limited overdraft protection as a non-contractual courtesy which is available to demand deposit accounts in good standing for business, personal or household use. The non-contractual amount of financial instruments with off-balance sheet risk at December 31, 2014 was $12,360,000. The Company reserves the right to discontinue this service without prior notice.

	Litigation Matters

	The Company is subject to lawsuits and claims arising out its business. There are no legal proceedings or claims currently pending or threatened other than those encountered during the normal course of business, which include various foreclosure proceedings. As a result of these proceedings, it is not unusual for customers to countersue the Bank, which are vigorously challenged by the Bank’s Counsel.

	Construction Contracts

	The Company has entered into agreements for the construction of a new branch in the Lock Haven market totaling $1.2 million as of December 31, 2014. Construction started late in the second quarter of 2014 and is expected to be completed in the first quarter of 2015.

OPERATING_LEASES

OPERATING LEASES	12 Months Ended
	Dec. 31, 2014
OPERATING LEASES [Abstract]
OPERATING LEASES	16. OPERATING LEASES

	The following schedule shows future minimum rental payments under operating leases with noncancellable terms in excess of one year as of December 31, 2014 (in thousands):

	2015	$ 122
	2016	91
	2017	39
	2018	39
	2019	39
	Thereafter	224
	Total	$ 554

	The Company’s operating lease obligations represent short and long-term lease and rental payments for facilities. Total rental expense for all operating leases for the years ended December 31, 2014, 2013 and 2012 were $171,000, $162,000 and $152,000, respectively.

FAIR_VALUE_OF_FINANCIAL_INSTRU

FAIR VALUE OF FINANCIAL INSTRUMENTS	12 Months Ended
FAIR VALUE OF FINANCIAL INSTRUMENTS	Dec. 31, 2014
FAIR VALUE OF FINANCIAL INSTRUMENTS [Abstract]
FAIR VALUE OF FINANCIAL INSTRUMENTS	17. FAIR VALUE OF FINANCIAL INSTRUMENTS

	The Company established a hierarchal disclosure framework associated with the level of pricing observability utilized in measuring assets and liabilities at fair value. The three broad levels defined by this hierarchy are as follows:

	Level I:	Quoted prices are available in active markets for identical assets or liabilities as of the reported date.
	Level II:	Pricing inputs are other than quoted prices in active markets, which are either directly or indirectly observable as of the reported date. The nature of these assets and liabilities include items for which quoted prices are available but traded less frequently, and items that are fair valued using other financial instruments, the parameters of which can be directly observed.
	Level III:	Assets and liabilities that have little to no pricing observability as of the reported date. These items do not have two-way markets and are measured using management’s best estimate of fair value, where the inputs into the determination of fair value require significant management judgment or estimation.


	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 below.

	In general, fair value is based upon quoted market prices, where available. If such quoted market prices are not available, fair value is based upon internally developed models that primarily use, as inputs, observable market-based parameters. Valuation adjustments may be made to ensure that financial instruments are recorded at fair value. These adjustments may include amounts to reflect counterparty credit quality, the Company's creditworthiness, among other things, as well as unobservable parameters. Any such valuation adjustments are applied consistently over time. Our valuation methodologies may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. While management believes the Company’s valuation methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date. Transfers between levels of the fair value hierarchy are recognized on the actual date of the event or circumstances that caused the transfer, which generally coincides with the Company’s monthly and/or quarterly valuation process.

	Financial Instruments Recorded at Fair Value on a Recurring Basis

	The fair values of securities available for sale are determined by quoted prices in active markets, when available, and classified as Level 1. If quoted market prices are not available, the fair value is determined by a matrix pricing, which is a mathematical technique, widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities and classified as Level 2. The fair values consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things. In cases where significant credit valuation adjustments are incorporated into the estimation of fair value, reported amounts are classified as Level 3 inputs.

	For all of 2012 and the majority of 2013, the Company used an interest rate swap, which is a derivative, to manage our interest rate risk related to the trust preferred security. The valuation of this instrument was determined using widely accepted valuation techniques including discounted cash flow analysis on the expected cash flows of each derivative and classified as Level 2. This analysis reflected the contractual terms of the derivatives, including the period to maturity, and used observable market-based inputs, including LIBOR rate curves. We also obtained dealer quotations for these derivatives for comparative purposes to assess the reasonableness of the model valuations.

	The following tables present the assets reported on the consolidated balance sheet at their fair value on a recurring basis as of December 31, 2014 and 2013 (in thousands) by level within the fair value hierarchy. Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement.
	2014		Level I		Level II		Level III	Total
	Fair value measurements on a recurring basis:
	Securities available for sale:
	U.S. Agency securities		$ -		$ 150,885		$ -	$ 150,885
	U.S. Treasuries securities		-		4,849		-	4,849
	Obligations of state and
	political subdivisions		-		105,036		-	105,036
	Corporate obligations		-		13,958		-	13,958
	Mortgage-backed securities in
	government sponsored entities		-		29,728		-	29,728
	Equity securities in financial institutions		1,690		-		-	1,690

	2013		Level I		Level II		Level III	Total
	Fair value measurements on a recurring basis:
	Securities available for sale:
	U.S. agency securities		$ -		$ 152,189		$ -	$ 152,189
	U.S. treasuries		-		11,309		-	11,309
	Obligations of state and
	political subdivisions		-		95,005		-	95,005
	Corporate obligations		-		16,802		-	16,802
	Mortgage-backed securities in
	government sponsored entities		-		40,671		-	40,671
	Equity securities in financial institutions		1,325		-		-	1,325

	Financial Instruments, Non-Financial Assets and Non-Financial Liabilities Recorded at Fair Value on a Nonrecurring Basis

	The Company may be required, from time to time, to measure certain financial assets, financial liabilities, non-financial assets and non-financial liabilities at fair value on a nonrecurring basis in accordance with U.S. generally accepted accounting principles. These include assets that are measured at the lower of cost or market value that were recognized at fair value below cost at the end of the period. Certain non-financial assets measured at fair value on a non-recurring basis include foreclosed assets (upon initial recognition or subsequent impairment), non-financial assets and non-financial liabilities measured at fair value in the second step of a goodwill impairment test, and intangible assets and other non-financial long-lived assets measured at fair value for impairment assessment. Non-financial assets measured at fair value on a non-recurring basis during 2014 and 2013 include certain foreclosed assets which, upon initial recognition, were remeasured and reported at fair value through a charge-off to the allowance for possible loan losses and certain foreclosed assets which, subsequent to their initial recognition, were remeasured at fair value through a write-down included in other non-interest expense.

	·	Impaired Loans - Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement are considered impaired. Once a loan is identified as individually impaired, management measures impairment using one of several methods, including collateral value, liquidation value and discounted cash flows. Those impaired loans not requiring an allowance represent loans for which the fair value of the expected repayments or collateral exceed the recorded investments in such loans. Collateral values are estimated using Level 2 inputs based on observable market data or Level 3 inputs based on customized discounting criteria. For a majority of impaired real estate related loans, the Company obtains a current external appraisal. Other valuation techniques are used as well, including internal valuations, comparable property analysis and contractual sales information.

	·	Other Real Estate owned – Other real estate owned, which is obtained through the Bank’s foreclosure process is valued utilizing the appraised collateral value. Collateral values are estimated using Level 2 inputs based on observable market data or Level 3 inputs based on customized discounting criteria. At the time, the foreclosure is completed, the Company obtains a current external appraisal.

	Assets measured at fair value on a nonrecurring basis as of December 31, 2014 and 2013 (in thousands) are included in the table below:

			31-Dec-14
			Level 1		Level II		Level III	Total
	Impaired Loans		$ -		$ -		$ 8,724	$ 8,724
	Other real estate owned		-		-		1,792	1,792

			31-Dec-13
			Level 1		Level II		Level III	Total
	Impaired Loans		$ -		$ -		$ 10,067	$ 10,067
	Other real estate owned		-		-		1,360	1,360

The following table provides a listing of the significant unobservable inputs used in the fair value measurement process for items valued utilizing level III techniques.

2014	Fair Value		Valuation Technique(s)	Unobservable input	Range	Weighted average
Impaired Loans	$ 230		Discounted Cash Flows	Probability of Default	0%	0.00%
				Change in interest rates	0-5.5%	1.99%

	8,494		Appraised Collateral Values	Discount for time since appraisal	0-30%	22.00%
				Selling costs	4%-10%	8.55%
				Holding period	0 - 18 months	15 months

Other real estate owned	1,792		Appraised Collateral Values	Discount for time since appraisal	0-20%	20%
				Selling costs	4%-10%	9%
				Holding period	0 - 18 months	12 months

2013			Valuation Technique(s)	Unobservable input	Range
Impaired Loans	$ 263		Discounted Cash Flows	Probability of Default	0%	0%
				Change in interest rates	0-7%	1.96%

	9,804		Appraised Collateral Values	Discount for time since appraisal	0-30%	19.02%
				Selling costs	4%-10%	8.41%
				Holding period	0 - 18 months	14 months

Other real estate owned	1,360		Appraised Collateral Values	Discount for time since appraisal	0-20%	20%
				Selling costs	4%-10%	9%
				Holding period	0 - 18 months	12 months

The fair values of the Company’s financial instruments are as follows (in thousands):

	Carrying
31-Dec-14	Amount	Fair Value	Level I	Level II	Level III
Financial assets:
Cash and due from banks	$ 11,423	$ 11,423	$ 11,423	$ -	$ -
Interest bearing time deposits with other banks	5,960	5,969			5,969
Available-for-sale securities	306,146	306,146	1,690	304,456	-
Loans held for sale	497	497	497
Net loans	547,290	564,944	-	-	564,944
Bank owned life insurance	20,309	20,309	20,309	-	-
Regulatory stock	2,035	2,035	2,035	-	-
Accrued interest receivable	3,644	3,644	3,644	-	-
Financial liabilities:
Deposits	$ 773,933	$ 774,387	$ 525,166	$ -	$ 249,221
Borrowed funds	41,799	38,219	16,593	-	21,626
Accrued interest payable	756	756	756	-	-

	Carrying
31-Dec-13	Amount	Fair Value	Level I	Level II	Level III
Financial assets:
Cash and due from banks	$ 10,083	$ 10,083	$ 10,083	$ -	$ -
Interest bearing time deposits with other banks	2,480	2,474			2,474
Available-for-sale securities	317,301	317,301	1,325	315,976	-
Loans held for sale	278	278	278
Net loans	533,514	547,405	-	-	547,405
Bank owned life insurance	14,679	14,679	14,679	-	-
Regulatory stock	3,926	3,926	3,926	-	-
Accrued interest receivable	3,728	3,728	3,728	-	-

Financial liabilities:
Deposits	$ 748,316	$ 750,172	$ 481,957	$ -	$ 268,215
Borrowed funds	66,932	63,500	42,954	-	20,546
Accrued interest payable	895	895	895	-	-

Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions can significantly affect the estimates.

Estimated fair values have been determined by the Company using historical data, as generally provided in the Company’s regulatory reports, and an estimation methodology suitable for each category of financial instruments. The Company’s fair value estimates, methods and assumptions are set forth below for the Company’s other financial instruments.

Cash and Cash Equivalents:

The carrying amounts for cash and due from banks approximate fair value because they have original maturities of 90 days or less and do not present unanticipated credit concerns.

Accrued Interest Receivable and Payable:

The carrying amounts for accrued interest receivable and payable approximate fair value because they are generally received or paid in 90 days or less and do not present unanticipated credit concerns.

Interest bearing time deposits with other banks:

The fair value of interest bearing time deposits with other banks is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently offered for deposits of similar remaining maturities.

Available-For-Sale Securities:

The fair values of available-for-sale securities are based on quoted market prices as of the balance sheet date. For certain instruments, fair value is estimated by obtaining quotes from independent dealers.

Loans:

Fair values are estimated for portfolios of loans with similar financial characteristics. The fair value of performing loans has been estimated by discounting expected future cash flows. The discount rate used in these calculations is derived from the Treasury yield curve adjusted for credit quality, operating expense and prepayment option price, and is calculated by discounting scheduled cash flows through the estimated maturity using estimated market discount rates that reflect the credit and interest rate risk inherent in the loan. The estimate of maturity is based on the Company’s historical experience with repayments for each loan classification, modified as required by an estimate of the effect of current economic and lending conditions.

Fair value for significant nonperforming loans is based on recent external appraisals. If appraisals are not available, estimated cash flows are discounted using a rate commensurate with the risk associated with the estimated cash flows. Assumptions regarding credit risk, cash flows, and discount rates are judgmentally determined using available market information and specific borrower information.

Bank Owned Life Insurance:

The carrying value of bank owned life insurance approximates fair value based on applicable redemption provisions.

Regulatory Stock:

The carrying value of regulatory stock approximates fair value based on applicable redemption provisions.

Deposits:

The fair value of deposits with no stated maturity, such as noninterest-bearing demand deposits, savings and NOW accounts, and money market accounts, is equal to the amount payable on demand. The fair value of certificates of deposit is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently offered for deposits of similar remaining maturities.

The deposits’ fair value estimates do not include the benefit that results from the low-cost funding provided by the deposit liabilities compared to the cost of borrowing funds in the market, commonly referred to as the core deposit intangible.

Borrowed Funds:

The fair value of borrowed funds is based on the discounted value of contractual cash flows. The discount rate is the rates available to the Company for borrowed funds with similar terms and remaining maturities.

Trust Preferred Interest Rate Swap:

The fair value of the trust preferred interest rate swap is based on a pricing model that utilizes a yield curve and information contained in the swap agreement.

CONDENSED_FINANCIAL_INFORMATIO

CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY	12 Months Ended
CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY	Dec. 31, 2014
CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY [Abstract]
CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY	18. CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY

	The following is condensed financial information for Citizens Financial Services, Inc.:

	CITIZENS FINANCIAL SERVICES, INC.
	CONDENSED BALANCE SHEET
		December 31,
	(in thousands)	2014	2013
	Assets:
	Cash	$ 7,911	$ 1,611
	Available-for-sale securities	1,556	914
	Investment in subsidiary:
	First Citizens Community Bank	98,542	97,024
	Other assets	511	459
	Total assets	$ 108,520	$ 100,008

	Liabilities:
	Other liabilities	$ 492	$ 452
	Borrowed funds	7,500	7,500
	Total liabilities	7,992	7,952
	Stockholders' equity	100,528	92,056
	Total liabilities and stockholders' equity	$ 108,520	$ 100,008

	CITIZENS FINANCIAL SERVICES, INC.
	CONDENSED STATEMENT OF INCOME
		Year Ended December 31,
	(in thousands)	2014	2013	2012
	Dividends from:
	Bank subsidiary	$ 14,332	$ 4,142	$ 5,045
	Available-for-sale securities	56	51	51
	Total income	14,388	4,193	5,096
	Investment securities losses, net	-	183	58
	Expenses	555	638	611
	Income before equity in undistributed
	earnings of subsidiary	13,833	3,738	4,543
	Equity in undistributed
	earnings - First Citizens Community Bank	(448)	9,637	9,672
	Net income	$ 13,385	$ 13,375	$ 14,215
	Comprehensive income	$ 15,377	$ 7,519	$ 13,897

	CITIZENS FINANCIAL SERVICES, INC.
	STATEMENT OF CASH FLOWS
		Year Ended December 31,
	(in thousands)	2014	2013	2012
	Cash flows from operating activities:
	Net income	$ 13,385	$ 13,375	$ 14,215
	Adjustments to reconcile net income to net
	cash provided by operating activities:
	Equity in undistributed earnings of subsidiaries	448	(9,637)	(9,672)
	Investment securities (gains) losses, net	-	(183)	(58)
	Other, net	174	309	394
	Net cash provided by operating activities	14,007	3,864	4,879
	Cash flows from investing activities:
	Purchases of available-for-sale securities	(602)	(1)	(141)
	Proceeds from the sale of available-for-sale securities	-	538	110
	Net cash provided by (used in) investing activities	(602)	537	(31)
	Cash flows from financing activities:
	Cash dividends paid	(6,121)	(3,558)	(4,601)
	Purchase of treasury stock	(814)	(1,483)	(1,348)
	Purchase of restricted stock	(170)	(115)	(142)
	Net cash used in financing activities	(7,105)	(5,156)	(6,091)
	Net decrease in cash	6,300	(755)	(1,243)
	Cash at beginning of year	1,611	2,366	3,609
	Cash at end of year	$ 7,911	$ 1,611	$ 2,366

CONSOLIDATED_CONDENSED_QUARTER

CONSOLIDATED CONDENSED QUARTERLY DATA (UNAUDITED)	12 Months Ended
CONSOLIDATED CONDENSED QUARTERLY DATA (UNAUDITED)	Dec. 31, 2014
CONSOLIDATED CONDENSED QUARTERLY DATA (UNAUDITED) [Abstract]
CONSOLIDATED CONDENSED QUARTERLY DATA (UNAUDITED)	19. CONSOLIDATED CONDENSED QUARTERLY DATA (UNAUDITED)

	The following table presents summarized quarterly financial data for 2014 and 2013:

	(in thousands, except share data)		Three Months Ended,
	2014	31-Mar	30-Jun	30-Sep	31-Dec
	Interest income	$ 8,781	$ 8,889	$ 8,808	$ 8,813
	Interest expense	1,269	1,239	1,234	1,211
	Net interest income	7,512	7,650	7,574	7,602
	Provision for loan losses	180	150	150	105
	Non-interest income	1,616	1,680	1,682	1,762
	Investment securities gains, net	171	75	242	128
	Non-interest expenses	5,091	5,000	5,067	5,007
	Income before provision for income taxes	4,028	4,255	4,281	4,380
	Provision for income taxes	852	890	913	904
	Net income	$ 3,176	$ 3,365	$ 3,368	$ 3,476
	Earnings Per Share Basic	$ 1.05	$ 1.11	$ 1.11	$ 1.14
	Earnings Per Share Diluted	$ 1.04	$ 1.11	$ 1.11	$ 1.14

	(in thousands, except share data)		Three Months Ended,
	2013	31-Mar	30-Jun	30-Sep	31-Dec
	Interest income	$ 8,999	$ 8,948	$ 9,307	$ 8,980
	Interest expense	1,686	1,597	1,562	1,470
	Net interest income	7,313	7,351	7,745	7,510
	Provision for loan losses	150	75	90	90
	Non-interest income	1,686	1,680	1,760	1,856
	Investment securities gains, net	196	98	91	56
	Non-interest expenses	4,852	4,867	4,965	5,126
	Income before provision for income taxes	4,193	4,187	4,541	4,206
	Provision for income taxes	906	907	1,029	910
	Net income	$ 3,287	$ 3,280	$ 3,512	$ 3,296
	Earnings Per Share Basic	$ 1.08	$ 1.07	$ 1.15	$ 1.08
	Earnings Per Share Diluted	$ 1.08	$ 1.07	$ 1.15	$ 1.08

SUMMARY_OF_SIGNIFICANT_ACCOUNT1

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 2014
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Basis of Presentation	Basis of Presentation

	The financial statements are consolidated to include the accounts of the Company and its subsidiary, First Citizens Community Bank, and its subsidiary, First Citizens Insurance Agency, Inc. These statements have been prepared in accordance with U.S. generally accepted accounting principles. All significant inter-company accounts and transactions have been eliminated in the consolidated financial statements.

	In preparing the financial statements, management makes estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses for the period. Actual results could differ significantly from those estimates. Material estimates that are particularly susceptible to significant change relate to determination of the allowance for loan losses and deferred tax assets and liabilities.
Operating Segments	Operating Segments

	An operating segment is defined as a component of an enterprise that engages in business activities that generates revenue and incurs expense, and the operating results of which are reviewed by the chief operating decision maker in the determination of resource allocation and performance. While the Company’s chief decision makers monitor the revenue streams of the various Company’s products and services, operations are managed and financial performance is evaluated on a Company-wide basis. Consistent with our internal reporting, the Company’s business activities are reported as one segment, which is community banking.
Cash and Cash Equivalents	Cash and Cash Equivalents

	Cash equivalents include cash on hand, deposits in banks and interest-earning deposits. Interest-earning deposits with original maturities of 90 or less are considered cash equivalents. Net cash flows are reported for loan, deposits and short term borrowing transactions.

	Interest bearing time deposits with other banks are not included with cash and cash equivalents as the original maturities were greater than 90 days.
Investment Securities	Investment Securities

	Investment securities at the time of purchase are classified as one of the three following types:

	Held-to-Maturity Securities - Includes securities that the Company has the positive intent and ability to hold to maturity. These securities are reported at amortized cost. The Company had no held-to-maturity securities as of December 31, 2014 and 2013.

	Trading Securities - Includes debt and equity securities bought and held principally for the purpose of selling them in the near term. Such securities are reported at fair value with unrealized holding gains and losses included in earnings. The Company had no trading securities as of December 31, 2014 and 2013.

	Available-for-Sale Securities - Includes debt and equity securities not classified as held-to-maturity or trading securities that will be held for indefinite periods of time. These securities may be sold in response to changes in market interest or prepayment rates, needs for liquidity and changes in the availability of and yield of alternative investments. Such securities are reported at fair value, with unrealized holding gains and losses excluded from earnings and reported as a separate component of stockholders’ equity, net of estimated income tax effect.

	The amortized cost of investment in debt securities is adjusted for amortization of premiums and accretion of discounts, computed by a method that results in a level yield. Gains and losses on the sale of investment securities are computed on the basis of specific identification of the adjusted cost of each security.

	Securities are periodically reviewed for other-than-temporary impairment. For debt securities, management considers whether the present value of future cash flows expected to be collected are less than the security’s amortized cost basis (the difference defined as the credit loss), the magnitude and duration of the decline, the reasons underlying the decline and the Company’s intent to sell the security or whether it is more likely than not that the Company would be required to sell the security before its anticipated recovery in market value, to determine whether the loss in value is other than temporary. Once a decline in value is determined to be other than temporary, if the Company does not intend to sell the security, and it is more-likely-than-not that it will not be required to sell the security, before recovery of the security’s amortized cost basis, the charge to earnings is limited to the amount of credit loss. Any remaining difference between fair value and amortized cost (the difference defined as the non-credit portion) is recognized in other comprehensive income, net of applicable taxes. Otherwise, the entire difference between fair value and amortized cost is charged to earnings. For equity securities where the fair value has been significantly below cost for one year, the Company’s policy is to recognize an impairment loss unless sufficient evidence is available that the decline is not other than temporary and a recovery period can be predicted. A decline in value that is considered to be other-than-temporary is recorded as a loss within non-interest income in the Consolidated Statement of Income.

	Common stock of the Federal Reserve Bank, Federal Home Loan Bank and correspondent banks represent ownership in institutions which are wholly owned by other financial institutions. These equity securities are accounted for at cost and are classified as other assets.

	The fair value of investments, except certain state and municipal securities, is based on bid prices published in financial newspapers or bid quotations received from securities dealers. The fair value of certain state and municipal securities is not readily available through market sources other than dealer quotations, so fair value is based on quoted market prices of similar instruments, adjusted for differences between the quoted instruments and the instruments being valued.
Loans	Loans

	Interest on all loans is recognized on the accrual basis based upon the principal amount outstanding. The accrual of interest income on loans is discontinued when, in the opinion of management, doubt exists as to the ability to collect such interest. Payments received on non-accrual loans are applied to the outstanding principal balance or recorded as interest income, depending upon our assessment of our ultimate ability to collect principal and interest. Loans are returned to the accrual status when factors indicating doubtful collectability cease to exist.

	The Company recognizes nonrefundable loan origination fees and certain direct loan origination costs over the life of the related loan as an adjustment of loan yield using the interest method.
Allowance For Loan Losses	Allowance For Loan Losses

	The allowance for loan losses represents the amount which management estimates is adequate to provide for probable losses inherent in its loan portfolio. The allowance method is used in providing for loan losses. Accordingly, all loan losses are charged to the allowance and all recoveries are credited to it. The allowance for loan losses is established through a provision for loan losses which is charged to operations. The provision is based upon management’s periodic evaluation of individual loans, the overall risk characteristics of the various portfolio segments, past experience with losses, the impact of economic conditions on borrowers, and other relevant factors. The estimates used in determining the adequacy of the allowance for loan losses are particularly susceptible to significant change in the near term.

	Impaired loans are commercial, municipal, agricultural, commercial real estate loans and certain residential mortgages cross collateralized with commercial relationships for which it is probable that the Company will not be able to collect all amounts due according to the contractual terms of the loan agreement. The Company individually evaluates such loans for impairment and does not aggregate loans by major risk classifications. The definition of “impaired loans” is not the same as the definition of “non-accrual loans,” although the two categories overlap. The Company may choose to place a loan on non-accrual status due to payment delinquency or uncertain collectability, while not classifying the loan as impaired if the loan is not a commercial, agricultural, municipal or commercial real estate loan. Factors considered by management in determining impairment include payment status and collateral value. The amount of impairment for these types of impaired loans is determined by the difference between the present value of the expected cash flows related to the loan, using the original interest rate, and its recorded value; or, as a practical expedient in the case of a collateral dependent loan, the difference between the fair value of the collateral and the recorded amount of the loans.

	Mortgage loans on one to four family properties and all consumer loans are large groups of smaller balance homogeneous loans and are measured for impairment collectively. Loans that experience insignificant payment delays, which is defined as 90 days or less, generally are not classified as impaired. Management determines the significance of payment delays 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 borrower’s prior payment record, and the amount of shortfall in relation to the principal and interest owed.

	The Company allocates the allowance based on the factors described below, which conform to the Company’s loan classification policy. In reviewing risk within the Bank’s loan portfolio, management has determined there to be several different risk categories within the loan portfolio. The allowance for loan losses consists of amounts applicable to: (i) residential real estate loans; (ii) commercial and agricultural real estate loans; (iii) construction; (iv) consumer loans; (v) commercial and other loans and (vi) state and political subdivision loans. Factors considered in this process include general loan terms, collateral, and availability of historical data to support the analysis. Historical loss percentages for each risk category are calculated and used as the basis for calculating allowance allocations. Certain qualitative factors are evaluated to determine additional inherent risks in the loan portfolio, which are not necessarily reflected in the historical loss percentages. These factors are then added to the historical allocation percentage to get the adjusted factor to be applied to non classified loans. The following qualitative factors are analyzed:

	·	Level of and trends in delinquencies, impaired/classified loans
		Change in volume and severity of past due loans
		Volume of non-accrual loans
		Volume and severity of classified, adversely or graded loans
	·	Level of and trends in charge-offs and recoveries
	·	Trends in volume, terms and nature of the loan portfolio
	·	Effects of any changes in risk selection and underwriting standards and any other changes in lending and recovery policies, procedures and practices
	·	Changes in the quality of the Bank’s loan review system
	·	Experience, ability and depth of lending management and other relevant staff
	·	National, state, regional and local economic trends and business conditions
		General economic conditions
		Unemployment rates
		Inflation / CPI
		Changes in values of underlying collateral for collateral-dependent loans
	·	Industry conditions including the effects of external factors such as competition, legal, and regulatory requirements on the level of estimated credit losses.
	·	Existence and effect of any credit concentrations, and changes in the level of such concentrations
	·	Any change in the level of board oversight

	The Company also maintains an unallocated allowance to account for any factors or conditions that may cause a potential loss but are not specifically addressed in the process described above. The Company analyzes its loan portfolio each quarter to determine the appropriateness of its allowance for loan losses.
Loan Charge-off Policies	Loan Charge-off Policies

	Consumer loans are generally fully or partially charged down to the fair value of collateral securing the asset when the loan is 180 days past due for open-end loans or 120 days past due for closed-end loans unless the loan is well secured and in the process of collection. All other loans are generally charged down to the net realizable value when the loan is 90 days past due.
Troubled Debt Restructurings	Troubled Debt Restructurings

	In situations where, for economic or legal reasons related to a borrower's financial difficulties, management may grant a concession for other than an insignificant period of time to the borrower that would not otherwise be considered, the related loan is classified as a Troubled Debt Restructuring (TDR). Management strives to identify borrowers in financial difficulty early and work with them to modify more affordable terms before their loan reaches nonaccrual status. These modified terms may include rate reductions, principal forgiveness, payment forbearance and other actions intended to minimize the economic loss and to avoid foreclosure or repossession of the collateral. In cases where borrowers are granted new terms that provide for a reduction of either interest or principal, management measures any impairment on the restructuring as noted above for impaired loans. In addition to the allowance for the pooled portfolios, management has developed a separate allowance for loans that are identified as impaired through a TDR. These loans are excluded from pooled loss forecasts and a separate reserve is provided under the accounting guidance for loan impairment.
Foreclosed Assets Held For Sale	Foreclosed Assets Held For Sale

	Foreclosed assets acquired in settlement of loans are carried at fair value less estimated costs to sell. Prior to foreclosure, the value of the underlying loan is written down to fair market value of the real estate or other assets to be acquired by a charge to the allowance for loan losses, if necessary. Any subsequent write-downs are charged against operating expenses. Operating expenses of such properties, net of related income and losses on disposition, are included in other expenses and gains and losses are included in other non-interest income or other non-interest expense.
Premises and Equipment	Premises and Equipment

	Premises and equipment are stated at cost, less accumulated depreciation. Depreciation expense is computed on straight line and accelerated methods over the estimated useful lives of the assets, which range from 3 to 15 years for furniture, fixtures and equipment and 5 to 40 years for building premises. Repair and maintenance expenditures which extend the useful life of an asset are capitalized and other repair expenditures are expensed as incurred.

	When premises or equipment are retired or sold, the remaining cost and accumulated depreciation are removed from the accounts and any gain or loss is credited to income or charged to expense, respectively.
Intangible Assets	Intangible Assets

	Intangible assets include core deposit intangibles, which are a measure of the value of consumer demand and savings deposits acquired in business combinations accounted for as purchases. The core deposit intangibles are being amortized from 3 to 5 ½ year life on a straight-line basis depending on the acquisition and are included in other assets. The recoverability of the carrying value of intangible assets is evaluated on an ongoing basis, and permanent declines in value, if any, are charged to expense. As of December 31, 2014 and 2013, these core deposit intangibles were fully amortized. Amortization expense amounted to $15,000 for 2012. There was no amortization expense in either 2014 or 2013.
Goodwill	Goodwill

	The Company utilizes a two-step process for testing the impairment of goodwill on at least an annual basis. This approach could cause more volatility in the Company’s reported net income because impairment losses, if any, could occur irregularly and in varying amounts. The Company performs an annual impairment analysis of goodwill. Based on the fair value of the reporting unit, no impairment of goodwill was recognized in 2014, 2013 or 2012.
Bank Owned Life Insurance	Bank Owned Life Insurance

	The Company has purchased life insurance policies on certain officers. As of December 31, 2014, the Company was the owner and sole beneficiary of the policies. Effective January 1, 2015, the insurance policies were restructured so that any death benefits received from a policy while the insured person is an active employee of the Bank will be split with the beneficiary of the policy. Under these restructured agreements, the Bank receives the cash surrender value of the policy plus 50% of the benefit in excess of the cash surrender value and the remaining amount of the payout will be given to the beneficiary of the policy. Bank owned life insurance is recorded at its cash surrender value, or the amount that can be realized. Increases in the cash surrender value are recognized as other non-interest income.
Income Taxes	Income Taxes

	The Company and the Bank file a consolidated federal income tax return. Deferred tax assets and liabilities are computed based on the difference between the financial statement basis and income tax basis of assets and liabilities using the enacted marginal tax rates. Deferred income tax expenses or benefits are based on the changes in the net deferred tax asset or liability from period to period.
Employee Benefit Plans	Employee Benefit Plans

	The Company has a noncontributory defined benefit pension plan covering employees hired before January 1, 2007. It is the Company’s policy to fund pension costs on a current basis to the extent deductible under existing tax regulations. Such contributions are intended to provide not only for benefits attributed to service to date, but also for those expected to be earned in the future.

	The Company has a defined contribution, 401(k) plan covering eligible employees. The employee may also contribute to the plan on a voluntary basis, up to a maximum percentage allowable not to exceed the limits of Code Sections 401(k). Under the plan, the Company also makes contributions on behalf of eligible employees, which vest immediately. For employees hired after January 1, 2007, in lieu of the pension plan, an additional annual discretionary 401(k) plan contribution is made and is equal to a percentage of an employee’s base compensation.

	The Company also has a profit-sharing plan for employees which provide tax-deferred salary savings to plan participants. The Company has a deferred compensation plan for directors who have elected to defer all or portions of their fees until their retirement or termination from service.

	The Company has a restricted stock plan which covers eligible employees and non-employee corporate directors. Under the plan, awards are granted based upon performance related requirements and are subject to certain vesting criteria. Compensation cost related to restricted stock is recognized based on the market price of the stock at the grant date over the vesting period.

	The Company maintains a non-qualified supplemental executive retirement plan (“SERP”) for certain executives to compensate those executive participants in the Company’s noncontributory defined benefit pension plan whose benefits are limited by compensation limitations under current tax law. The SERP is considered an unfunded plan for tax and ERISA purposes and all obligations arising under the SERP are payable from the general assets of the Company. Expenses under the SERP are recognized as earned over the expected years of service.
Mortgage Servicing Rights (MSR's)	Mortgage Servicing Rights (MSR’s)

	The Company originates certain loans for the express purpose of selling such loans in the secondary market. The Company maintains all servicing rights for these loans. The loans held for sale are carried at lower of cost or market. Originated MSR’s are recorded by allocating total costs incurred between the loan and servicing rights based on their relative fair values. MSR’s are amortized in proportion to the estimated servicing income over the estimated life of the servicing portfolio and measured for impairment.
Derivative Financial Instruments	Derivative Financial Instruments

	The Company entered into an interest rate swap derivative to convert floating-rate debt to fixed-rate debt. This derivative matured in 2013 and was not replaced. The Company's interest rate swap agreement involved an agreement to pay a fixed rate and receive a floating rate, at specified intervals, calculated on an agreed-upon notional amount. The Company's objective in entering into this interest rate financial instrument was to mitigate its exposure to significant unplanned fluctuations in earnings caused by volatility in interest rates. As of December 31, 2012, the derivative instrument entered into was designated as a hedge of underlying exposures. The Company did not use this instrument for trading or speculative purposes. Derivative instruments used by the Company involve, to varying degrees, elements of credit risk, in the event a counter party should default, and market risk, as the instruments are subject to interest rate fluctuations. Credit risk is managed through the use of counterparty diversification and monitoring of counterparty financial condition.

	All derivatives are recognized on the balance sheet at their fair value. The derivative entered into by the Company qualified for and was designated as a cash flow hedge. Changes in the fair value of a derivative that is highly effective, and that is designated and qualifies as a cash flow hedge to the extent that the hedge is effective, are recorded in other comprehensive income (loss) until earnings are affected by the variability of cash flows of the hedged transaction (e.g. until periodic settlements of a variable asset or liability are recorded in earnings). Any hedge ineffectiveness (which represents the amount by which the changes in the fair value of the derivative exceed the variability in the cash flows of the forecasted transaction) is recorded in current-period earnings. There was no net gain or loss recognized in earnings related to our derivative instruments during the years ended December 31, 2013 and 2012.
Comprehensive Income	Comprehensive Income
	The Company is required to present comprehensive income in a full set of general purpose financial statements for all periods presented. Other comprehensive income (loss) is comprised of unrealized holding gains (losses) on the available-for-sale securities portfolio, unrecognized pension costs, and unrealized gain (loss) on interest rate swap.
Recent Accounting Pronouncements	Recent Accounting Pronouncements

	In January 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2014-01, Investments – Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Qualified Affordable Housing Projects. The amendments in this Update permit reporting entities to make an accounting policy election to account for their investments in qualified affordable housing projects using the proportional amortization method if certain conditions are met. Under the proportional amortization method, an entity amortizes the initial cost of the investment in proportion to the tax credits and other tax benefits received and recognizes the net investment performance in the income statement as a component of income tax expense (benefit). The amendments in this Update should be applied retrospectively to all periods presented. A reporting entity that uses the effective yield method to account for its investments in qualified affordable housing projects before the date of adoption may continue to apply the effective yield method for those preexisting investments. The amendments in this Update are effective for public business entities for annual periods and interim reporting periods within those annual periods, beginning after December 15, 2014. Early adoption is permitted. This Update is not expected to have a significant impact on the Company’s financial statements.

	In January 2014, the FASB issued ASU 2014-04, Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40): Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure. The amendments in this Update clarify that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. The amendments in this Update are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. An entity can elect to adopt the amendments in this Update using either a modified retrospective transition method or a prospective transition method. This Update is not expected to have a significant impact on the Company’s financial statements.

	In May 2014, the FASB issued ASU 2014-09, Revenue from Contracts with Customers (a new revenue recognition standard). The Update’s core principle is that a company will recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. In addition, this update specifies the accounting for certain costs to obtain or fulfill a contract with a customer and expands disclosure requirements for revenue recognition. This Update is effective for annual reporting periods beginning after December 15, 2016, including interim periods within that reporting period. The Company is evaluating the effect of adopting this new accounting Update.

	In June 2014, the FASB issued ASU 2014-11, Transfers and Servicing (Topic 860): Repurchase-to-Maturity Transactions, Repurchase Financings, and Disclosures. The amendments in this Update change the accounting for repurchase-to-maturity transactions to secured borrowing accounting. For repurchase financing arrangements, the amendments require separate accounting for a transfer of a financial asset executed contemporaneously with a repurchase agreement with the same counterparty, which will result in secured borrowing accounting for the repurchase agreement. The amendments also require enhanced disclosures. The accounting changes in this Update are effective for the first interim or annual period beginning after December 15, 2014. An entity is required to present changes in accounting for transactions outstanding on the effective date as a cumulative-effect adjustment to retained earnings as of the beginning of the period of adoption. Earlier application is prohibited. The disclosure for certain transactions accounted for as a sale is required to be presented for interim and annual periods beginning after December 15, 2014, and the disclosure for repurchase agreements, securities lending transactions, and repurchase-to-maturity transactions accounted for as secured borrowings is required to be presented for annual periods beginning after December 15, 2014, and for interim periods beginning after March 15, 2015. The disclosures are not required to be presented for comparative periods before the effective date. This Update is not expected to have a significant impact on the Company’s financial statements.

	In June 2014, the FASB issued ASU 2014-12, Compensation-Stock Compensation (Topic 718): Accounting for Share-Based Payments when the Terms of an Award Provide that a Performance Target Could Be Achieved After the Requisite Service Period. The amendments require that a performance target that affects vesting and that could be achieved after the requisite service period be treated as a performance condition. The amendments in this Update are effective for annual periods and interim periods within those annual periods beginning after December 15, 2015. Earlier adoption is permitted. Entities may apply the amendments in this Update either (a) prospectively to all awards granted or modified after the effective date or (b) retrospectively to all awards with performance targets that are outstanding as of the beginning of the earliest annual period presented in the financial statements and to all new or modified awards thereafter. If retrospective transition is adopted, the cumulative effect of applying this Update as of the beginning of the earliest annual period presented in the financial statements should be recognized as an adjustment to the opening retained earnings balance at that date. Additionally, if retrospective transition is adopted, an entity may use hindsight in measuring and recognizing the compensation cost. This Update is not expected to have a significant impact on the Company’s financial statements.

	In August 2014, the FASB issued ASU 2014-14, Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40). The amendments in this Update require that a mortgage loan be derecognized and that a separate other receivable be recognized upon foreclosure if the following conditions are met: (1) the loan has a government guarantee that is not separable from the loan before foreclosure, (2) at the time of foreclosure, the creditor has the intent to convey the real estate property to the guarantor and make a claim on the guarantee, and the creditor has the ability to recover under that claim, and (3) at the time of foreclosure, any amount of the claim that is determined on the basis of the fair value of the real estate is fixed. Upon foreclosure, the separate other receivable should be measured based on the amount of the loan balance (principal and interest) expected to be recovered from the guarantor. The amendments in this Update are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. This Update is not expected to have a significant impact on the Company’s financial statements.

	In November 2014, the FASB issued ASU 2014-16, Derivatives and Hedging (Topic 815): Determining Whether the Host Contract in a Hybrid Financial Instrument Issued in the Form of a Share Is More Akin to Debt or to Equity (a consensus of the FASB Emerging Issues Task Force). This ASU clarifies how current U.S. GAAP should be interpreted in subjectively evaluating the economic characteristics and risks of a host contract in a hybrid financial instrument that is issued in the form of a share. Public business entities are required to implement the new requirements in fiscal years and interim periods within those fiscal years beginning after December 15, 2015. The Company is currently evaluating the impact the adoption of the standard will have on the Company’s financial statements.

	In November 2014, the FASB issued ASU 2014-17, Business Combinations (Topic 805): Pushdown Accounting. The amendments in this Update apply to the separate financial statements of an acquired entity and its subsidiaries that are a business or nonprofit activity (either public or nonpublic) upon the occurrence of an event in which an acquirer (an individual or an entity) obtains control of the acquired entity. An acquired entity may elect the option to apply pushdown accounting in the reporting period in which the change-in-control event occurs. If pushdown accounting is not applied in the reporting period in which the change-in-control event occurs, an acquired entity will have the option to elect to apply pushdown accounting in a subsequent reporting period to the acquired entity's most recent change-in-control event. The amendments in this Update are effective on November 18, 2014. After the effective date, an acquired entity can make an election to apply the guidance to future change-in-control events or to its most recent change-in-control event. This Update is not expected to have a significant impact on the Company’s financial statements.

	In January 2015, the FASB issued ASU 2015-01, Income Statement –Extraordinary and Unusual Items, as part of its initiative to reduce complexity in accounting standards. This Update eliminates from GAAP the concept of extraordinary items. The amendments in this Update are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. A reporting entity may apply the amendments prospectively. A reporting entity also may apply the amendments retrospectively to all prior periods presented in the financial statements. Early adoption is permitted provided that the guidance is applied from the beginning of the fiscal year of adoption. This Update is not expected to have a significant impact on the Company’s financial statements.
Treasury Stock	Treasury Stock

	The purchase of the Company’s common stock is recorded at cost. At the date of subsequent reissue, the treasury stock account is reduced by the cost of such stock on a last-in-first-out basis.
Cash Flows	Cash Flows

	The Company utilizes the net reporting of cash receipts and cash payments for deposit, short-term borrowing and lending activities. The Company considers amounts due from banks and interest-bearing deposits in banks as cash equivalents.
Trust Assets and Income	Trust Assets and Income

	Assets held by the Company in a fiduciary or agency capacity for its customers are not included in the consolidated financial statements since such items are not assets of the Company. In accordance with industry practice, fees are recorded on the cash basis and approximate the fees which would have been recognized on the accrual basis.
Earnings Per Share	Earnings Per Share

	The following table sets forth the computation of earnings per share. Earnings per share calculations give retroactive effect to stock dividends declared by the Company.

		2014	2013	2012

	Basic earnings per share computation:
	Net income applicable to common stock	$13,385,000	$13,375,000	$14,215,000
	Weighted average common shares outstanding	3,038,298	3,055,034	3,085,796
	Earnings per share - basic	$4.41	$4.38	$4.61

	Diluted earnings per share computation:
	Net income applicable to common stock	$13,385,000	$13,375,000	$14,215,000

	Weighted average common shares outstanding for basic earnings per share	3,038,298	3,055,034	3,085,796
	Add: Dilutive effects of restricted stock	1,295	1,170	1,642
	Weighted average common shares outstanding for dilutive earnings per share	3,039,593	3,056,204	3,087,438
	Earnings per share - dilutive	$4.40	$4.38	$4.60

	Nonvested shares of restricted stock totaling, 2,248, 2,555 and 2,621 were outstanding during 2014, 2013 and 2012, respectively, but were not included in the computation of diluted earnings per common share because to do so would be anti-dilutive. These anti-dilutive shares had prices ranging from $37.10-$50.50, $34.70-$44.50 and $26.80-$37.35 for 2014, 2013 and 2012, respectively.
Reclassification	Reclassification

	Certain of the prior year amounts have been reclassified to conform to the current year presentation. Such reclassifications had no effect on net income or stockholders’ equity.

SUMMARY_OF_SIGNIFICANT_ACCOUNT2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)	12 Months Ended
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)	Dec. 31, 2014
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Computation of earnings per share	The following table sets forth the computation of earnings per share. Earnings per share calculations give retroactive effect to stock dividends declared by the Company.

		2014	2013	2012

	Basic earnings per share computation:
	Net income applicable to common stock	$13,385,000	$13,375,000	$14,215,000
	Weighted average common shares outstanding	3,038,298	3,055,034	3,085,796
	Earnings per share - basic	$4.41	$4.38	$4.61

	Diluted earnings per share computation:
	Net income applicable to common stock	$13,385,000	$13,375,000	$14,215,000

	Weighted average common shares outstanding for basic earnings per share	3,038,298	3,055,034	3,085,796
	Add: Dilutive effects of restricted stock	1,295	1,170	1,642
	Weighted average common shares outstanding for dilutive earnings per share	3,039,593	3,056,204	3,087,438
	Earnings per share - dilutive	$4.40	$4.38	$4.60

INVESTMENT_SECURITIES_Tables

INVESTMENT SECURITIES (Tables)	12 Months Ended
INVESTMENT SECURITIES (Tables)	Dec. 31, 2014
INVESTMENT SECURITIES [Abstract]
Summary of amortized cost and fair value of investment securities	The amortized cost and fair value of investment securities at December 31, 2014 and 2013 were as follows (in thousands):
			Gross	Gross
		Amortized	Unrealized	Unrealized	Fair
	2014	Cost	Gains	Losses	Value
	Available-for-sale securities:
	U.S. Agency securities	$ 150,847	$ 638	$ (600)	$ 150,885
	U.S. Treasuries	4,944	-	(95)	4,849
	Obligations of state and
	political subdivisions	101,281	3,854	(99)	105,036
	Corporate obligations	13,853	190	(85)	13,958
	Mortgage-backed securities in
	government sponsored entities	29,397	368	(37)	29,728
	Equity securities in financial institutions	1,137	553	-	1,690
	Total available-for-sale securities	$ 301,459	$ 5,603	$ (916)	$ 306,146

	2013
	Available-for-sale securities:
	U.S. Agency securities	$ 153,896	$ 702	$ (2,409)	$ 152,189
	U.S. Treasuries	11,856	-	-547	11,309
	Obligations of state and
	political subdivisions	94,113	2,146	(1,254)	95,005
	Corporate obligations	16,651	341	(190)	16,802
	Mortgage-backed securities in
	government sponsored entities	40,405	566	(300)	40,671
	Equity securities in financial institutions	542	783	-	1,325
	Total available-for-sale securities	$ 317,463	$ 4,538	$ (4,700)	$ 317,301
Unrealized losses and fair value of investments	The following table shows the Company’s gross unrealized losses and fair value, aggregated by investment category and length of time, that the individual securities have been in a continuous unrealized loss position, at December 31, 2014 and 2013 (in thousands). As of December 31, 2014, the Company owned 58 securities whose fair value was less than their cost basis.

			Less than Twelve Months		Twelve Months or Greater		Total
				Gross		Gross		Gross
			Fair	Unrealized	Fair	Unrealized	Fair	Unrealized
	2014		Value	Losses	Value	Losses	Value	Losses
	U.S. agency securities		$ 27,382	$ (110)	$ 43,642	$ (490)	$ 71,024	$ (600)
	U.S. Treasuries		-	-	4,849	(95)	4,849	(95)
	Obligations of states and
	political subdivisions		3,596	(19)	8,584	(80)	12,180	(99)
	Corporate obligations		505	(1)	7,707	(84)	8,212	(85)
	Mortgage-backed securities in
	government sponsored entities		5,025	(4)	2,229	(33)	7,254	(37)
	Total securities		$ 36,508	$ (134)	$ 67,011	$ (782)	$ 103,519	$ (916)

	2013
	U.S. agency securities		$ 98,356	$ (2,212)	$ 2,825	$ (197)	$ 101,181	$ (2,409)
	U.S. Treasuries		11,309	(547)	-	-	11,309	(547)
	Obligations of states and
	political subdivisions		24,201	(865)	6,491	(389)	30,692	(1,254)
	Corporate obligations		6,103	(124)	2,251	(66)	8,354	(190)
	Mortgage-backed securities in
	government sponsored entities		23,920	(266)	1,164	(34)	25,084	(300)
	Total securities		$ 163,889	$ (4,014)	$ 12,731	$ (686)	$ 176,620	$ (4,700)
Gross gains and losses on available-for-sale securities	There were no losses incurred during 2012. Gross gains and gross losses were realized as follows (in thousands):

		2014	2013	2012
	Gross gains	$ 647	$ 827	$ 604
	Gross losses	31	386	-
	Net gains	$ 616	$ 441	$ 604
Summary of amortized cost and fair value of debt securities by contractual maturity	The amortized cost and fair value of debt securities at December 31, 2014, by contractual maturity, are shown below (in thousands):

		Amortized
		Cost	Fair Value
	Available-for-sale securities:
	Due in one year or less	$ 15,485	$ 15,662
	Due after one year through five years	135,042	135,182
	Due after five years through ten years	53,260	54,076
	Due after ten years	96,535	99,536
	Total	$ 300,322	$ 304,456

LOANS_AND_RELATED_ALLOWANCE_FO1

LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES (Tables)	12 Months Ended
LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES (Tables)	Dec. 31, 2014
LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES [Abstract]
Summary of loan portfolio and allowance for loan losses	The following table summarizes the primary segments of the loan portfolio, as well as how those segments are analyzed within the allowance for loan losses as of December 31, 2014 and 2013 (in thousands):

	2014		Total Loans	Individually	Collectively
				evaluated for	evaluated for
				impairment	impairment
	Real estate loans:
	Residential		$ 185,438	$ 316	$ 185,122
	Commercial and agricultural		215,584	6,112	209,472
	Construction		6,353	-	6,353
	Consumer		8,497	-	8,497
	Other commercial and agricultural loans		58,516	2,394	56,122
	State and political subdivision loans		79,717	-	79,717
	Total		554,105	$ 8,822	$ 545,283
	Allowance for loan losses		6,815
	Net loans		$ 547,290

	2013
	Real estate loans:
	Residential		$ 187,101	$ 342	$ 186,759
	Commercial and agricultural		215,088	8,310	206,778
	Construction		8,937	-	8,937
	Consumer		9,563	15	9,548
	Other commercial and agricultural loans		54,029	1,733	52,296
	State and political subdivision loans		65,894	-	65,894
	Total		540,612	$ 10,400	$ 530,212
	Allowance for loan losses		7,098
	Net loans		$ 533,514
Impaired financing receivables with associated allowance amount	The following table includes the recorded investment and unpaid principal balances for impaired loans by class, with the associated allowance amount as of December 31, 2014 and 2013, if applicable (in thousands):

		Unpaid	Investment	Investment	Total
		Principal	With No	With	Recorded	Related
		Balance	Allowance	Allowance	Investment	Allowance
	2014
	Real estate loans:
	Mortgages	$ 222	$ 125	$ 66	$ 191	$ 13
	Home Equity	130	60	65	125	12
	Commercial	8,433	5,708	404	6,112	72
	Agricultural	-	-	-	-	-
	Construction	-	-	-	-	-
	Consumer	-	-	-	-	-
	Other commercial loans	2,480	2,346	48	2,394	1
	Other agricultural loans	-	-	-	-	-
	State and political
	subdivision loans	-	-	-	-	-
	Total	$ 11,265	$ 8,239	$ 583	$ 8,822	$ 98

	2013
	Real estate loans:
	Mortgages	$ 232	$ 138	$ 70	$ 208	$ 14
	Home Equity	134	65	69	134	13
	Commercial	9,901	6,335	1,975	8,310	305
	Agricultural	-	-	-	-	-
	Construction	-	-	-	-	-
	Consumer	15	15	-	15	-
	Other commercial loans	1,794	1,679	54	1,733	1
	Other agricultural loans	-	-	-	-	-
	State and political
	subdivision loans	-	-	-	-	-
	Total	$ 12,076	$ 8,232	$ 2,168	$ 10,400	$ 333

	The following table includes the average investment in impaired loans and the income recognized on impaired loans for 2014, 2013 and 2012 (in thousands):

				Interest
		Average	Interest	Income
		Recorded	Income	Recognized
	2014	Investment	Recognized	Cash Basis
	Real estate loans:
	Mortgages	$ 198	$ 9	$ -
	Home Equity	130	4	-
	Commercial	7,270	54	-
	Agricultural	-	-	-
	Construction	-	-	-
	Consumer	10	-	-
	Other commercial loans	2,031	79	-
	Other agricultural loans	-	-	-
	State and political
	subdivision loans	-	-	-
	Total	$ 9,639	$ 146	$ -

	2013
	Real estate loans:
	Mortgages	$ 327	$ 7	$ -
	Home Equity	136	4	-
	Commercial	8,499	457	377
	Agricultural	-	-	-
	Construction	-	-	-
	Consumer	5	-	-
	Other commercial loans	1,761	79	-
	Other agricultural loans	-	-	-
	State and political
	subdivision loans	-	-	-
Total	$ 10,728	$ 547	$ 377

2012
Real estate loans:
Mortgages	$ 170	$ 2	$ 2
Home Equity	112	4	4
Commercial	7,882	117	117
Agricultural	-	-	-
Construction	-	-	-
Consumer	-	-	-
Other commercial loans	461	-	-
Other agricultural loans	-	-	-
State and political
subdivision loans	-	-	-
Total	$ 8,625	$ 123	$ 123
Summary of financing receivable credit exposures by internally assigned grades	The following tables represent credit exposures by internally assigned grades as of December 31, 2014 and 2013 (in thousands):

	2014	Pass	Special Mention	Substandard	Doubtful	Loss	Ending Balance
	Real estate loans:
	Commercial	$ 169,383	$ 8,948	$ 12,614	$ -	$ -	$ 190,945
	Agricultural	19,575	3,394	1,670	-	-	24,639
	Construction	6,353	-	-	-	-	6,353
	Other commercial loans	40,683	4,413	2,355	-	-	47,451
	Other agricultural loans	9,221	727	1,117	-	-	11,065
	State and political
	subdivision loans	79,717	-	-	-	-	79,717
	Total	$ 324,932	$ 17,482	$ 17,756	$ -	$ -	$ 360,170


	2013
	Real estate loans:
	Commercial	$ 166,956	$ 4,645	$ 21,284	$ 202	$ -	$ 193,087
	Agricultural	15,923	1,910	4,168	-	-	22,001
	Construction	8,937	-	-	-	-	8,937
	Other commercial loans	40,798	1,747	1,938	5	-	44,488
	Other agricultural loans	7,431	153	1,957	-	-	9,541
	State and political
	subdivision loans	65,894	-	-	-	-	65,894
	Total	$ 305,939	$ 8,455	$ 29,347	$ 207	$ -	$ 343,948

	The following table presents the recorded investment in those loan classes based on payment activity as of December 31, 2014 and 2013 (in thousands):

	2014	Performing	Non-performing	Total
	Real estate loans:
	Mortgages	$ 121,968	$ 890	$ 122,858
	Home Equity	62,296	284	62,580
	Consumer	8,444	53	8,497
	Total	$ 192,708	$ 1,227	$ 193,935

	2013
	Real estate loans:
	Mortgages	$ 119,075	$ 809	$ 119,884
	Home Equity	66,989	228	67,217
	Consumer	9,547	16	9,563
	Total	$ 195,611	$ 1,053	$ 196,664
Age analysis of past due financing receivables	The following table includes an aging analysis of the recorded investment of past due loans as of December 31, 2014 and 2013 (in thousands):

			30-59 Days	60-89 Days	90 Days	Total Past		Total Financing	90 Days and
	2014		Past Due	Past Due	Or Greater	Due	Current	Receivables	Accruing
	Real estate loans:
	Mortgages		$ 318	$ 230	$ 675	$ 1,223	$ 121,635	$ 122,858	$ 214
	Home Equity		442	99	260	801	61,779	62,580	132
	Commercial		97	231	1,432	1,760	189,185	190,945	310
	Agricultural		-	-	-	-	24,639	24,639	-
	Construction		-	-	-	-	6,353	6,353	-
	Consumer		119	4	7	130	8,367	8,497	6
	Other commercial loans		503	258	476	1,237	46,214	47,451	174
	Other agricultural loans		-	-	-	-	11,065	11,065	-
	State and political
	subdivision loans		-	-	-	-	79,717	79,717	-
		Total	$ 1,479	$ 822	$ 2,850	$ 5,151	$ 548,954	$ 554,105	$ 836

	Loans considered non-accrual		$ 48	$ 181	$ 2,014	$ 2,243	$ 4,356	$ 6,599
	Loans still accruing		1,431	641	836	2,908	544,598	547,506
		Total	$ 1,479	$ 822	$ 2,850	$ 5,151	$ 548,954	$ 554,105


			30-59 Days	60-89 Days	90 Days	Total Past		Total Financing	90 Days and
	2013		Past Due	Past Due	Or Greater	Due	Current	Receivables	Accruing
	Real estate loans:
	Mortgages		$ 362	$ 40	$ 739	$ 1,141	$ 118,743	$ 119,884	$ 301
	Home Equity		632	2	229	863	66,354	67,217	51
	Commercial		88	319	3,091	3,498	189,589	193,087	344
	Agricultural		-	-	-	-	22,001	22,001	-
	Construction		-	-	-	-	8,937	8,937	-
	Consumer		96	36	16	148	9,415	9,563	1
	Other commercial loans		29	28	49	106	44,382	44,488	-
	Other agricultural loans		-	-	-	-	9,541	9,541	-
	State and political
	subdivision loans		-	-	-	-	65,894	65,894	-
		Total	$ 1,207	$ 425	$ 4,124	$ 5,756	$ 534,856	$ 540,612	$ 697

	Loans considered non-accrual		$ 98	$ 164	$ 3,427	$ 3,689	$ 4,408	$ 8,097
	Loans still accruing		1,109	261	697	2,067	530,448	532,515
		Total	$ 1,207	$ 425	$ 4,124	$ 5,756	$ 534,856	$ 540,612
Summary of financing receivables on nonaccrual status	The following table reflects the loans on nonaccrual status as of December 31, 2014 and 2013, respectively. The balances are presented by class of loan (in thousands):

			2014		2013
	Real estate loans:
	Mortgages		$ 676		$ 508
	Home Equity		152		177
	Commercial		5,010		7,247
	Agricultural		-		-
	Construction		-		-
	Consumer		47		15
	Other commercial loans		714		150
	Other agricultural loans		-		-
	State and political subdivision		-		-

			$ 6,599		$ 8,097
Summary of troubled debt restructurings on financing receivables	Loan modifications that are considered TDR’s completed during the years ended December 31, 2014, 2013 and 2012 were as follows (dollars in thousands):

		Number of contracts		Pre-modification Outstanding		Post-Modification
				Recorded Investment		Outstanding Recorded
						Investment
		Interest	Term	Interest	Term	Interest	Term
		Modification	Modification	Modification	Modification	Modification	Modification
	2014
	Real estate loans:
	Commercial	-	2	$ -	$ 153	$ -	$ 153
	Total	-	2	$ -	$ 153	$ -	$ 153

	2013
	Real estate loans:
	Mortgages	1	-	$ 72	$ -	$ 72	$ -
	Commercial	-	2	-	1,365	-	1,365
	Other commercial loans	-	2	-	1,530	-	1,530
	Total	1	4	$ 72	$ 2,895	$ 72	$ 2,895

	2012
	Real estate loans:
	Mortgages	1	1	$ 48	$ 71	$ 48	$ 71
	Commercial	-	3	-	160	-	160
	Other commercial loans	-	1	-	25	-	25
	Total	1	5	$ 48	$ 256	$ 48	$ 256

	The following table presents the recorded investment in loans that were modified as TDRs during each 12-month period prior to the current reporting periods, which begin January 1, 2014, 2013 and 2012, respectively, and that subsequently defaulted during these reporting periods (dollars in thousands):

		2014		2013		2012
		Number of	Recorded	Number of	Recorded	Number of	Recorded
		contracts	investment	contracts	investment	contracts	investment
	Real estate loans:
	Commercial	1	$ 50	1	$ 55	1	$ 50
	Other commercial loans	-	-	1	6	-	-
	Total recidivism	1	$ 50	2	$ 61	1	$ 50
Roll forward of allowance for loan losses by portfolio segment	The following tables roll forward the balance of the allowance for loan and lease losses for the years ended December 31, 2014, 2013 and 2012 and is segregated into the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment as of December 31, 2014, 2013 and 2012 (in thousands):

		Balance at	Charge-offs	Recoveries	Provision	Balance at	Individually	Collectively evaluated
		December				December	evaluated	for
		31, 2013				31, 2014	for	impairment
							impairment
	Real estate loans:
	Residential	$ 946	$ (97)	$ -	$ 29	$ 878	$ 25	$ 853
	Commercial and agricultural	4,558	(516)	15	(187)	3,870	72	3,798
	Construction	50	-	-	(24)	26	-	26
	Consumer	105	(47)	27	(1)	84	-	84
	Other commercial and agricultural loans	942	(250)	-	532	1,224	1	1,223
	State and political				-
	subdivision loans	330	-	-	215	545	-	545
	Unallocated	167	-	-	21	188	-	188
	Total	$ 7,098	$ (910)	$ 42	$ 585	$ 6,815	$ 98	$ 6,717

		Balance at	Charge-offs	Recoveries	Provision	Balance at	Individually evaluated	Collectively
		December				3-Dec	for	evaluated
		31, 2012				1, 2013	impairment	for
								impairment
	Real estate loans:
	Residential	$ 875	$ (17)	$ 5	$ 83	$ 946	$ 27	$ 919
	Commercial and agricultural	4,437	(62)	5	178	4,558	305	4,253
	Construction	38	-	-	12	50	-	50
	Consumer	119	(54)	33	7	105	-	105
	Other commercial and agricultural loans	728	(1)	-	215	942	1	941
	State and political				-
	subdivision loans	271	-	-	59	330	-	330
	Unallocated	316	-	-	(149)	167	-	167
	Total	$ 6,784	$ (134)	$ 43	$ 405	$ 7,098	$ 333	$ 6,765

		Balance at	Charge-offs	Recoveries	Provision	Balance at	Individually evaluated	Collectively evaluated
		December				December	for	for
		31, 2011				31, 2012	impairment	impairment
	Real estate loans:
	Residential	$ 805	$ (95)	$ -	$ 165	$ 875	$ 22	$ 853
	Commercial and agricultural	4,132	(2)	9	298	4,437	559	3,878
	Construction	15	-	-	23	38	-	38
	Consumer	111	(54)	33	29	119	-	119
	Other commercial and agricultural loans	674	(21)	7	68	728	1	727
	State and political
	subdivision loans	235	-	-	36	271	-	271
	Unallocated	515	-	-	(199)	316	-	316
	Total	$ 6,487	$ (172)	$ 49	$ 420	$ 6,784	$ 582	$ 6,202

PREMISES_EQUIPMENT_Tables

PREMISES & EQUIPMENT (Tables)	12 Months Ended
PREMISES & EQUIPMENT (Tables)	Dec. 31, 2014
PREMISES & EQUIPMENT [Abstract]
Summary of Premises and Equipment	Premises and equipment at December 31, 2014 and 2013 are summarized as follows (in thousands):

		December 31,
		2014	2013
	Land	$ 3,295	$ 3,295
	Buildings	12,456	12,448
	Furniture, fixtures and equipment	6,187	6,204
	Construction in process	1,836	104
		23,774	22,051
	Less: accumulated depreciation	11,417	10,946
	Premises and equipment, net	$ 12,357	$ 11,105

DEPOSITS_Tables

DEPOSITS (Tables)	12 Months Ended
DEPOSITS (Tables)	Dec. 31, 2014
DEPOSITS [Abstract]
Summary of deposits	The following table shows the breakdown of deposits as of December 31, 2014 and 2013, by deposit type (dollars in thousands):

		2014	2013
	Non-interest-bearing deposits	$ 95,526	$ 85,585
	NOW accounts	226,038	215,656
	Savings deposits	108,252	95,678
	Money market deposit accounts	95,350	85,038
	Certificates of deposit	248,767	266,359
	Total	$ 773,933	$ 748,316
Maturities of certificates of deposit	Following are maturities of certificates of deposit as of December 31, 2014 (in thousands):

	2015	$ 118,633
	2016	44,531
	2017	39,426
	2018	18,406
	2019	17,834
	Thereafter	9,937
	Total certificates of deposit	$ 248,767

BORROWED_FUNDS_Tables

BORROWED FUNDS (Tables)	12 Months Ended
BORROWED FUNDS (Tables)	Dec. 31, 2014
BORROWED FUNDS [Abstract]
Borrowed funds	The following table shows the breakdown of borrowed funds as of December 31, 2014 and 2013, (dollars in thousands):

		Securities
		Sold Under						Total
		Agreements to	FHLB	Federal Funds	FRB	Notes	Term	Borrowed
		Repurchase(a)	Advances(b)	Line (c)	BIC Line (d)	Payable(e,f)	Loans(g)	Funds
	2014
	Balance at December 31	$ 5,906	$ 16,593	$ -	$ -	$ 7,500	$ 11,800	$ 41,799
	Highest balance at any month-end	7,277	39,902	-	-	7,500	18,200	72,879
	Average balance	6,535	9,991	1	1	7,500	15,180	39,208
	Weighted average interest rate:
	Paid during the year	0.91%	0.27%	0.76%	0.75%	3.09%	1.89%	1.55%
	As of year-end	0.99%	0.24%	0.00%	0.00%	3.04%	2.54%	1.50%

	2013
	Balance at December 31	$ 7,278	$ 42,954	$ -	$ -	$ 7,500	$ 9,200	$ 66,932
	Highest balance at any month-end	8,923	42,954	-	-	7,500	30,000	89,377
	Average balance	7,821	4,871	-	-	7,500	22,022	42,214
	Weighted average interest rate:
	Paid during the year	0.88%	0.25%	0.73%	0.75%	5.82%	3.13%	2.86%
	As of year-end	0.87%	0.25%	0.00%	0.00%	3.04%	2.78%	0.96%

	(a) Securities sold under agreements to repurchase mature within 5 years. As of December 31, 2014 and 2013, repurchase agreements with original maturities of less than one year totaled $4,677,000 and $6,069,000, respectively. As of December 31, 2014 and 2013, repurchase agreements with original maturities greater than one year totaled $1,229,000 and $1,209,000, respectively. The carrying value of the underlying securities pledged at December 31, 2014 and 2013 was $15,838,000 and $12,416,000, respectively.

	(b) FHLB Advances consist of an “Open RepoPlus” agreement with the Federal Home Loan Bank of Pittsburgh. FHLB “Open RepoPlus” advances are short-term borrowings that bear interest based on the Federal Home Loan Bank discount rate or Federal Funds rate, whichever is higher. The Company has a borrowing limit of $262,598,000, inclusive of any outstanding advances. FHLB advances are secured by a blanket security agreement that includes the Company’s FHLB stock, as well as certain investment and mortgage-backed securities held in safekeeping at the FHLB and certain residential and commercial mortgage loans. At December 31, 2014 and 2013, the approximate carrying value of the securities collateral was $372,000 and $4,514,000, respectively.

	(c) The federal funds line consists of an unsecured line from a third party bank at market rates. The Company has a borrowing limit of $10,000,000, inclusive of any outstanding balances. No specific collateral is required to be pledged for these borrowings.

	(d) The Federal Reserve Bank Borrower in Custody (FRB BIC) Line consists of a borrower in custody in agreement open in January 2010 with the Federal Reserve Bank of Philadelphia secured by municipal loans maintained in the Company's possession. As of December 31, 2014, the Company has a borrowing limit of $9,074,000, inclusive of any outstanding advances. The approximate carrying value of the municipal loan collateral was $17,071,000 and $16,600,000 as of December 31, 2014 and 2013, respectively.

	(e) In December 2003, the Company formed a special purpose entity (“Entity”) to issue $7,500,000 of floating rate obligated mandatory redeemable securities as part of a pooled offering. The rate was determined quarterly and floated based on the 3 month LIBOR plus 2.80. The Entity may redeem them, in whole or in part, at face value after December 17, 2008, and on a quarterly basis thereafter. The Company borrowed the proceeds of the issuance from the Entity in December 2003 in the form of a $7,500,000 note payable. Debt issue costs of $75,000 have been capitalized and fully amortized as of December 31, 2008. Under current accounting rules, the Company’s minority interest in the Entity was recorded at the initial investment amount and is included in the other assets section of the balance sheet. The Entity is not consolidated as part of the Company’s consolidated financial statements.

	(f) In December, 2008, the Company entered into an interest rate swap agreement to convert floating-rate debt to fixed rate debt on a notional amount of $7,500,000. The interest rate swap instrument involves an agreement to receive a floating rate and pay a fixed rate, at specified intervals, calculated on the agreed-upon notional amount. The differentials paid or received on interest rate swap agreements are recognized as adjustments to interest expense in the period. The interest rate swap agreement was entered into on December 17, 2008 and matured December 17, 2013.

	(g) Term Loans consist of separate loans with the Federal Home Loan Bank of Pittsburgh as follows (in thousands):

			December 31,	December 31,
	Interest Rate	Maturity	2014	2013
	Fixed:
	2.31%	January 27,2014	-	1,000
	2.80%	17-Apr-14	-	3,200
	2.29%	2-Oct-17	2,000	2,000
	2.72%	12-Jul-18	1,000	1,000
	1.87%	4-Feb-19	2,000	-
	2.61%	3-Feb-21	2,000	-
	3.52%	12-Jul-21	2,000	2,000
	2.37%	20-Aug-21	2,800	-
	Total term loans		$ 11,800	$ 9,200
Maturities of borrowed funds	Following are maturities of borrowed funds as of December 31, 2014 (in thousands):

	2015		$ 29,465
	2016		534
	2017		2,000
	2018		1,000
	2019		2,000
	Thereafter		6,800
	Total borrowed funds		$ 41,799

EMPLOYEE_BENEFIT_PLANS_Tables

EMPLOYEE BENEFIT PLANS (Tables)	12 Months Ended
EMPLOYEE BENEFIT PLANS (Tables)	Dec. 31, 2014
EMPLOYEE BENEFIT PLANS [Abstract]
Obligation and net funded status	The following table sets forth the obligation and funded status as of December 31 (in thousands):
				2014		2013

	Change in benefit obligation
	Benefit obligation at beginning of year		$	9,739	$	10,017
	Service cost			307		342
	Interest cost			415		363
	Actuarial loss / (gain)			1,645		(380)
	Benefits paid			(329)		(603)
	Benefit obligation at end of year			11,777		9,739
	Change in plan assets
	Fair value of plan assets at beginning of year			10,519		8,761
	Actual return (loss) on plan assets			549		1,361
	Employer contribution			300		1,000
	Benefits paid			(329)		(603)
	Fair value of plan assets at end of year			11,039		10,519
	Funded status		$	(738)	$	780

	Amounts not yet recognized as a component of net periodic pension cost (in thousands):

	Amounts recognized in accumulated other
	comprehensive loss consists of:			2014		2013
		Net loss	$	3,795	$	2,008
		Prior service cost		(270)		(315)
	Total		$	3,525	$	1,693
Components of net periodic benefit costs	The components of net periodic benefit costs for the periods ending December 31 are as follows (in thousands):

				2014		2013		2012
	Service cost		$	307	$	342	$	330
	Interest cost			415		363		344
	Return on plan assets			(786)		(673)		(565)
	Net amortization and deferral			51		257		135
	Net periodic benefit cost (income)		$	(13)	$	289	$	244
Weighted-average assumptions used to determine benefit obligations and net periodic benefit cost (income)	The weighted-average assumptions used to determine benefit obligations at December 31, 2014 and 2013 is the following table. The change in the discount rate as well as revised mortality tables is the primary driver of the actuarial loss that occurred in 2014 of $1,645,000.

				2014		2013
	Discount rate			3.50%		4.30%
	Rate of compensation increase			3.00%		3.00%

	The weighted-average assumptions used to determine net periodic benefit cost (income) for the year ended December 31:

				2014		2013		2012
	Discount rate			4.30%		3.30%		4.00%
	Expected long-term return on plan assets			7.50%		7.50%		7.50%
	Rate of compensation increase			3.00%		3.00%		3.00%
Fair value of plan assets	The following table sets forth by level, within the fair value hierarchy as defined in footnote 17, the Plan’s assets at fair value as of December 31, 2014 and 2013 (in thousands):

	2014			Level I		Level II		Level III	Total	Allocation
	Assets
	Cash and cash equivalents			$ 516		$ -		$ -	$ 516	4.70%
	Equity Securities
	U.S. Companies			3,761		-		-	3,761	34.00%
	Mutual Funds and ETF's (a)			3,960		-		-	3,960	35.90%
	Corporate Bonds			-		2,604		-	2,604	23.60%
	U.S. Agency Securities			-		198		-	198	1.80%
	Total			$ 8,237		$ 2,802		$ -	$ 11,039	100.00%

	2013			Level I		Level II		Level III	Total	Allocation
	Assets
	Cash and cash equivalents			$ 648		$ -		$ -	$ 648	6.20%
	Equity Securities
	U.S. Companies			3,879		-		-	3,879	36.80%
	Mutual Funds and ETF's (a)			3,903		-		-	3,903	37.10%
	Corporate Bonds			-		1,525		-	1,525	14.50%
	U.S. Agency Securities			-		564		-	564	5.40%
	Total			$ 8,430		$ 2,089		$ -	$ 10,519	100.00%
	(a)	This category comprises mutual funds investing in domestic large-cap, mid-caps, small caps, international large cap, emerging markets and commodities.
Expected future benefit payments	The Bank expects to contribute $500,000 to its pension plan in 2015. Expected future benefit payments that the Bank estimates from its pension plan are as follows (in thousands):

	2015		$ 312
	2016		386
	2017		508
	2018		434
	2019		1,921
	2020 - 2024		4,935
Schedule of vesting, awarding and forfeiting of restricted shares	The following table details the vesting, awarding and forfeiting of restricted shares during 2014:

		2014
			Weighted
			Average
		Shares	Market Price
	Outstanding, beginning of year	7,172	$ 42.02
	Granted	3,598	52.82
	Forfeited	(7)	37.10
	Vested	(3,792)	40.28
	Outstanding, end of year	6,971	$ 48.55

INCOME_TAXES_Tables

INCOME TAXES (Tables)	12 Months Ended
INCOME TAXES (Tables)	Dec. 31, 2014
INCOME TAXES [Abstract]
Provision for income taxes (benefit)	The provision for income taxes consists of the following (in thousands):

		Year Ended December 31,
		2014	2013	2012
	Currently payable	$ 3,081	$ 3,082	$ 4,389
	Deferred tax liability (asset)	478	670	(58)
	Provision for income taxes	$ 3,559	$ 3,752	$ 4,331
Deferred tax assets	The following temporary differences gave rise to the net deferred tax liabilities at December 31, 2014 and 2013 (in thousands):

		2014	2013
	Deferred tax assets:
	Allowance for loan losses	$ 2,317	$ 2,413
	Deferred compensation	503	528
	Merger & acquisition costs	24	29
	Allowance for losses on available-for-sale securities	420	523
	Pension and other retirement obligation	658	90
	Interest on non-accrual loans	825	793
	Incentive plan accruals	352	330
	Other real estate owned expenses	24	72
	Unrealized losses on available-for-sale securities	-	55
	Low income housing tax credits	33	1
	Other	78	94
	Total	$ 5,234	$ 4,928

	Deferred tax liabilities:
	Premises and equipment	$ (306)	$ (348)
	Investment securities accretion	(302)	(310)
	Loan fees and costs	(166)	(184)
	Goodwill and core deposit intangibles	(2,734)	(2,431)
	Mortgage servicing rights	(161)	(180)
	Unrealized gains on available-for-sale securities	(1,594)	-
	Total	(5,263)	(3,453)
	Deferred tax (liability) asset, net	$ (29)	$ 1,475
Reconciliation of statutory tax rates to effective tax rates	The total provision for income taxes is different from that computed at the statutory rates due to the following items (in thousands):

		Year Ended December 31,
		2014	2013	2012
	Provision at statutory rates on
	pre-tax income	$ 5,761	$ 5,823	$ 6,306
	Effect of tax-exempt income	(1,865)	(1,752)	(1,853)
	Low income housing tax credits	(198)	(198)	(57)
	Bank owned life insurance	(172)	(171)	(172)
	Nondeductible interest	60	70	87
	Valuation allowance	-	-	-
	Other items	(27)	(20)	20
	Provision for income taxes	$ 3,559	$ 3,752	$ 4,331
	Statutory tax rates	34%	34%	34%
	Effective tax rates	21.00%	21.90%	23.40%

OTHER_COMPREHENSIVE_INCOME_Tab

OTHER COMPREHENSIVE INCOME (Tables)	12 Months Ended
OTHER COMPREHENSIVE INCOME (Tables)	Dec. 31, 2014
OTHER COMPREHENSIVE INCOME [Abstract]
Components of accumulated other comprehensive income (loss), net of tax	The components of accumulated other comprehensive income (loss), net of tax, as of December 31, were as follows (in thousands):

		2014	2013
	Net unrealized gain (loss) on securities available for sale	$ 4,687	$ (162)
	Tax effect	1,594	-54
	Net -of-tax amount	3,093	-108

	Unrecognized pension costs	-3,525	-1,693
	Tax effect	-1,199	-576
	Net -of-tax amount	-2,326	-1,117

	Total accumulated other comprehensive income (loss)	$ 767	$ (1,225)
Schedule of the significant amounts reclassified out of each component of accumulated other comprehensive income	The following tables present the changes in accumulated other comprehensive (loss) income by component net of tax for the years ended December 31, 2014 and 2013 (in thousands):

		Unrealized gain	Unrealized	Defined Benefit Pension Items	Total
		(loss) on	gain (loss) on interest rate	(a)
		available for sale securities (a)	swap (a)
	Balance as of December 31, 2012	$ 6,754	$ (132)	$ (1,991)	$ 4,631
	Other comprehensive income (loss) before reclassifications (net of tax)	(6,571)	132	1,044	(5,395)
	Amounts reclassified from accumulated other
	comprehensive income (loss) (net of tax)	(291)	-	(170)	(461)
	Net current period other comprehensive income (loss)	(6,862)	132	874	(5,856)
	Balance as of December 31, 2013	$ (108)	$ -	$ (1,117)	$ (1,225)

	Balance as of December 31, 2013	$ (108)	$ -	$ (1,117)	$ (1,225)
	Other comprehensive income (loss) before reclassifications (net of tax)	3,608	-	(1,175)	2,433
	Amounts reclassified from accumulated other
	comprehensive income (loss) (net of tax)	(407)	-	(34)	(441)
	Net current period other comprehensive income (loss)	3,201	-	(1,209)	1,992
	Balance as of December 31, 2014	$ 3,093	$ -	$ (2,326)	$ 767
	(a) Amounts in parentheses indicate debits

	The following table presents the significant amounts reclassified out of each component of accumulated other comprehensive income (loss) for the years ended December 31, 2014 and 2013:

	Details about accumulated other comprehensive income (loss)	Amount reclassified from			Affected line item in the statement
		accumulated comprehensive income			where net Income is presented
		(loss) (a)
		December 31,
		2014	2013
	Unrealized gains and losses on available for sale securities
		$ 616	$ 441		Investment securities gains, net
		(209)	(150)		Provision for income taxes
		$ 407	$ 291		Net of tax

	Defined benefit pension items
		$ 51	$ 257		Salaries and employee benefits
		(17)	(87)		Provision (benefit) for income taxes
		$ 34	$ 170		Net of tax
	(a) Amounts in parentheses indicate debits to profit/loss

RELATED_PARTY_TRANSACTIONS_Tab

RELATED PARTY TRANSACTIONS (Tables)	12 Months Ended
	Dec. 31, 2014
RELATED PARTY TRANSACTIONS [Abstract]
Summary of Loan Activity with Officers, Directors, Stockholders and Associates	A summary of loan activity for the years ended December 31, 2014 and 2013 with officers, directors, stockholders and associates of such persons is listed below (in thousands):

		Year Ended December 31,
		2014	2013
	Balance, beginning of year	$ 4,263	$ 4,349
	New loans	2,212	2,119
	Repayments	(2,161)	(2,205)
	Balance, end of year	$ 4,314	$ 4,263

REGULATORY_MATTERS_Tables

REGULATORY MATTERS (Tables)	12 Months Ended
REGULATORY MATTERS (Tables)	Dec. 31, 2014
REGULATORY MATTERS [Abstract]
Capital ratios under banking regulations	The following table reflects the Company’s capital ratios at December 31 (dollars in thousands):

		2014		2013
	Total capital (to risk-weighted assets)	Amount	Ratio	Amount	Ratio
	Company	$ 106,891	18.55%	$ 100,320	17.75%
	For capital adequacy purposes	46,105	8.00%	45,211	8.00%
	To be well capitalized	57,631	10.00%	56,514	10.00%

	Tier I capital (to risk-weighted assets)
	Company	$ 99,692	17.30%	$ 92,902	16.44%
	For capital adequacy purposes	23,053	4.00%	22,606	4.00%
	To be well capitalized	34,579	6.00%	33,908	6.00%

	Tier I capital (to average assets)
	Company	$ 99,692	10.99%	$ 92,902	10.42%
	For capital adequacy purposes	36,272	4.00%	35,669	4.00%
	To be well capitalized	45,341	5.00%	44,587	5.00%

	The following table reflects the Bank’s capital ratios at December 31 (dollars in thousands):

		2014		2013
	Total capital (to risk-weighted assets)	Amount	Ratio	Amount	Ratio
	Bank	$ 97,498	16.97%	$ 97,863	17.35%
	For capital adequacy purposes	45,969	8.00%	45,135	8.00%
	To be well capitalized	57,462	10.00%	56,418	10.00%

	Tier I capital (to risk-weighted assets)
	Bank	$ 90,500	15.75%	$ 90,639	16.07%
	For capital adequacy purposes	22,985	4.00%	22,567	4.00%
	To be well capitalized	34,477	6.00%	33,851	6.00%

	Tier I capital (to average assets)
	Bank	$ 90,500	10.00%	$ 90,639	10.18%
	For capital adequacy purposes	36,218	4.00%	35,615	4.00%
	To be well capitalized	45,273	5.00%	44,519	5.00%

COMMITMENTS_AND_CONTINGENT_LIA1

COMMITMENTS AND CONTINGENT LIABILITIES (Tables)	12 Months Ended
	Dec. 31, 2014
COMMITMENTS AND CONTINGENT LIABILITIES [Abstract]
Financial instruments whose contract amounts represent credit risk	The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. Financial instruments, whose contract amounts represent credit risk at December 31, 2014 and 2013, are as follows (in thousands):


		2014	2013
	Commitments to extend credit	$108,951	$89,847
	Standby letters of credit	10,389	12,014
		$119,340	$101,861

OPERATING_LEASES_Tables

OPERATING LEASES (Tables)	12 Months Ended
	Dec. 31, 2014
OPERATING LEASES [Abstract]
Future minimum rental payments under operating leases	The following schedule shows future minimum rental payments under operating leases with noncancellable terms in excess of one year as of December 31, 2014 (in thousands):

	2015	$ 122
	2016	91
	2017	39
	2018	39
	2019	39
	Thereafter	224
	Total	$ 554

FAIR_VALUE_OF_FINANCIAL_INSTRU1

FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)	12 Months Ended
FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)	Dec. 31, 2014
FAIR VALUE OF FINANCIAL INSTRUMENTS [Abstract]
Summary of Assets Measured at Fair Value on a Recurring Basis	The following tables present the assets reported on the consolidated balance sheet at their fair value on a recurring basis as of December 31, 2014 and 2013 (in thousands) by level within the fair value hierarchy. Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement.
	2014		Level I		Level II		Level III	Total
	Fair value measurements on a recurring basis:
	Securities available for sale:
	U.S. Agency securities		$ -		$ 150,885		$ -	$ 150,885
	U.S. Treasuries securities		-		4,849		-	4,849
	Obligations of state and
	political subdivisions		-		105,036		-	105,036
	Corporate obligations		-		13,958		-	13,958
	Mortgage-backed securities in
	government sponsored entities		-		29,728		-	29,728
	Equity securities in financial institutions		1,690		-		-	1,690

	2013		Level I		Level II		Level III	Total
	Fair value measurements on a recurring basis:
	Securities available for sale:
	U.S. agency securities		$ -		$ 152,189		$ -	$ 152,189
	U.S. treasuries		-		11,309		-	11,309
	Obligations of state and
	political subdivisions		-		95,005		-	95,005
	Corporate obligations		-		16,802		-	16,802
	Mortgage-backed securities in
	government sponsored entities		-		40,671		-	40,671
	Equity securities in financial institutions		1,325		-		-	1,325
Summary of Assets Measured at Fair Value on Non-recurring Basis	Assets measured at fair value on a nonrecurring basis as of December 31, 2014 and 2013 (in thousands) are included in the table below:

			31-Dec-14
			Level 1		Level II		Level III	Total
	Impaired Loans		$ -		$ -		$ 8,724	$ 8,724
	Other real estate owned		-		-		1,792	1,792

			31-Dec-13
			Level 1		Level II		Level III	Total
	Impaired Loans		$ -		$ -		$ 10,067	$ 10,067
	Other real estate owned		-		-		1,360	1,360
Significant Unobservable Inputs Used in Fair Value Measurement Process	The following table provides a listing of the significant unobservable inputs used in the fair value measurement process for items valued utilizing level III techniques.

	2014	Fair Value		Valuation Technique(s)	Unobservable input	Range	Weighted average
	Impaired Loans	$ 230		Discounted Cash Flows	Probability of Default	0%	0.00%
					Change in interest rates	0-5.5%	1.99%

		8,494		Appraised Collateral Values	Discount for time since appraisal	0-30%	22.00%
					Selling costs	4%-10%	8.55%
					Holding period	0 - 18 months	15 months

	Other real estate owned	1,792		Appraised Collateral Values	Discount for time since appraisal	0-20%	20%
					Selling costs	4%-10%	9%
					Holding period	0 - 18 months	12 months

	2013			Valuation Technique(s)	Unobservable input	Range
	Impaired Loans	$ 263		Discounted Cash Flows	Probability of Default	0%	0%
					Change in interest rates	0-7%	1.96%

		9,804		Appraised Collateral Values	Discount for time since appraisal	0-30%	19.02%
					Selling costs	4%-10%	8.41%
					Holding period	0 - 18 months	14 months

	Other real estate owned	1,360		Appraised Collateral Values	Discount for time since appraisal	0-20%	20%
					Selling costs	4%-10%	9%
					Holding period	0 - 18 months	12 months
Fair Value of Financial Instruments	The fair values of the Company’s financial instruments are as follows (in thousands):

		Carrying
	31-Dec-14	Amount	Fair Value	Level I	Level II	Level III
	Financial assets:
	Cash and due from banks	$ 11,423	$ 11,423	$ 11,423	$ -	$ -
	Interest bearing time deposits with other banks	5,960	5,969			5,969
	Available-for-sale securities	306,146	306,146	1,690	304,456	-
	Loans held for sale	497	497	497
	Net loans	547,290	564,944	-	-	564,944
	Bank owned life insurance	20,309	20,309	20,309	-	-
	Regulatory stock	2,035	2,035	2,035	-	-
	Accrued interest receivable	3,644	3,644	3,644	-	-
	Financial liabilities:
	Deposits	$ 773,933	$ 774,387	$ 525,166	$ -	$ 249,221
	Borrowed funds	41,799	38,219	16,593	-	21,626
	Accrued interest payable	756	756	756	-	-

		Carrying
	31-Dec-13	Amount	Fair Value	Level I	Level II	Level III
	Financial assets:
	Cash and due from banks	$ 10,083	$ 10,083	$ 10,083	$ -	$ -
	Interest bearing time deposits with other banks	2,480	2,474			2,474
	Available-for-sale securities	317,301	317,301	1,325	315,976	-
	Loans held for sale	278	278	278
	Net loans	533,514	547,405	-	-	547,405
	Bank owned life insurance	14,679	14,679	14,679	-	-
	Regulatory stock	3,926	3,926	3,926	-	-
	Accrued interest receivable	3,728	3,728	3,728	-	-

	Financial liabilities:
	Deposits	$ 748,316	$ 750,172	$ 481,957	$ -	$ 268,215
	Borrowed funds	66,932	63,500	42,954	-	20,546
	Accrued interest payable	895	895	895	-	-

CONDENSED_FINANCIAL_INFORMATIO1

CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY (Tables)	12 Months Ended
	Dec. 31, 2014
CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY [Abstract]
Condensed financial information	The following is condensed financial information for Citizens Financial Services, Inc.:

	CITIZENS FINANCIAL SERVICES, INC.
	CONDENSED BALANCE SHEET
		December 31,
	(in thousands)	2014	2013
	Assets:
	Cash	$ 7,911	$ 1,611
	Available-for-sale securities	1,556	914
	Investment in subsidiary:
	First Citizens Community Bank	98,542	97,024
	Other assets	511	459
	Total assets	$ 108,520	$ 100,008

	Liabilities:
	Other liabilities	$ 492	$ 452
	Borrowed funds	7,500	7,500
	Total liabilities	7,992	7,952
	Stockholders' equity	100,528	92,056
	Total liabilities and stockholders' equity	$ 108,520	$ 100,008

	CITIZENS FINANCIAL SERVICES, INC.
	CONDENSED STATEMENT OF INCOME
		Year Ended December 31,
	(in thousands)	2014	2013	2012
	Dividends from:
	Bank subsidiary	$ 14,332	$ 4,142	$ 5,045
	Available-for-sale securities	56	51	51
	Total income	14,388	4,193	5,096
	Investment securities losses, net	-	183	58
	Expenses	555	638	611
	Income before equity in undistributed
	earnings of subsidiary	13,833	3,738	4,543
	Equity in undistributed
	earnings - First Citizens Community Bank	(448)	9,637	9,672
	Net income	$ 13,385	$ 13,375	$ 14,215
	Comprehensive income	$ 15,377	$ 7,519	$ 13,897

	CITIZENS FINANCIAL SERVICES, INC.
	STATEMENT OF CASH FLOWS
		Year Ended December 31,
	(in thousands)	2014	2013	2012
	Cash flows from operating activities:
	Net income	$ 13,385	$ 13,375	$ 14,215
	Adjustments to reconcile net income to net
	cash provided by operating activities:
	Equity in undistributed earnings of subsidiaries	448	(9,637)	(9,672)
	Investment securities (gains) losses, net	-	(183)	(58)
	Other, net	174	309	394
	Net cash provided by operating activities	14,007	3,864	4,879
	Cash flows from investing activities:
	Purchases of available-for-sale securities	(602)	(1)	(141)
	Proceeds from the sale of available-for-sale securities	-	538	110
	Net cash provided by (used in) investing activities	(602)	537	(31)
	Cash flows from financing activities:
	Cash dividends paid	(6,121)	(3,558)	(4,601)
	Purchase of treasury stock	(814)	(1,483)	(1,348)
	Purchase of restricted stock	(170)	(115)	(142)
	Net cash used in financing activities	(7,105)	(5,156)	(6,091)
	Net decrease in cash	6,300	(755)	(1,243)
	Cash at beginning of year	1,611	2,366	3,609
	Cash at end of year	$ 7,911	$ 1,611	$ 2,366

CONSOLIDATED_CONDENSED_QUARTER1

CONSOLIDATED CONDENSED QUARTERLY DATA (UNAUDITED) (Tables)	12 Months Ended
CONSOLIDATED CONDENSED QUARTERLY DATA (UNAUDITED) (Tables)	Dec. 31, 2014
CONSOLIDATED CONDENSED QUARTERLY DATA (UNAUDITED) [Abstract]
Consolidated condensed quarterly data	The following table presents summarized quarterly financial data for 2014 and 2013:

	(in thousands, except share data)		Three Months Ended,
	2014	31-Mar	30-Jun	30-Sep	31-Dec
	Interest income	$ 8,781	$ 8,889	$ 8,808	$ 8,813
	Interest expense	1,269	1,239	1,234	1,211
	Net interest income	7,512	7,650	7,574	7,602
	Provision for loan losses	180	150	150	105
	Non-interest income	1,616	1,680	1,682	1,762
	Investment securities gains, net	171	75	242	128
	Non-interest expenses	5,091	5,000	5,067	5,007
	Income before provision for income taxes	4,028	4,255	4,281	4,380
	Provision for income taxes	852	890	913	904
	Net income	$ 3,176	$ 3,365	$ 3,368	$ 3,476
	Earnings Per Share Basic	$ 1.05	$ 1.11	$ 1.11	$ 1.14
	Earnings Per Share Diluted	$ 1.04	$ 1.11	$ 1.11	$ 1.14

	(in thousands, except share data)		Three Months Ended,
	2013	31-Mar	30-Jun	30-Sep	31-Dec
	Interest income	$ 8,999	$ 8,948	$ 9,307	$ 8,980
	Interest expense	1,686	1,597	1,562	1,470
	Net interest income	7,313	7,351	7,745	7,510
	Provision for loan losses	150	75	90	90
	Non-interest income	1,686	1,680	1,760	1,856
	Investment securities gains, net	196	98	91	56
	Non-interest expenses	4,852	4,867	4,965	5,126
	Income before provision for income taxes	4,193	4,187	4,541	4,206
	Provision for income taxes	906	907	1,029	910
	Net income	$ 3,287	$ 3,280	$ 3,512	$ 3,296
	Earnings Per Share Basic	$ 1.08	$ 1.07	$ 1.15	$ 1.08
	Earnings Per Share Diluted	$ 1.08	$ 1.07	$ 1.15	$ 1.08

SUMMARY_OF_SIGNIFICANT_ACCOUNT3

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) (USD $)	3 Months Ended								12 Months Ended
	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
	Security								Office
									Segment
									Property
									Security
Business and Organization [Abstract]
Number of full service banking offices									17
Operating Segments [Abstract]
Number of operating segments									1
Cash and Cash Equivalents [Abstract]
Interest earning deposits maturity, Maximum for inclusion as cash equivalents									90 days
Investment Securities [Abstract]
Number of classifications of investment securities	3								3
Held-to-maturity securities	$0				$0				$0	$0
Trading securities	0				0				0	0
Number of years significantly below cost to recognize an impairment									1 year
Allowance for Loan Losses [Abstract]
Size of family properties, minimum									1
Size of family properties, maximum									4
Number of days past for loan to be considered impaired, Maximum									90 days
Goodwill [Abstract]
Goodwill impairment loss									0	0	0
Bank Owned Life Insurance [Abstract]
Benefit in excess of the cash surrender value (in hundredths)									50.00%
Derivative Financial Instruments [Abstract]
Net gain or loss recognized in earnings									0	0	0
Basic earnings per share computation [Abstract]
Net income applicable to common stock	3,476,000	3,368,000	3,365,000	3,176,000	3,296,000	3,512,000	3,280,000	3,287,000	13,385,000	13,375,000	14,215,000
Weighted average common shares outstanding (in shares)									3,038,298	3,055,034	3,085,796
Earnings per share - basic (in dollars per share)	$1.14	$1.11	$1.11	$1.05	$1.08	$1.15	$1.07	$1.08	$4.41	$4.38	$4.61
Diluted earnings per share computation [Abstract]
Net income applicable to common stock	3,476,000	3,368,000	3,365,000	3,176,000	3,296,000	3,512,000	3,280,000	3,287,000	13,385,000	13,375,000	14,215,000
Weighted average common shares outstanding for basic earnings per share (in shares)									3,038,298	3,055,034	3,085,796
Add: Dilutive effects of restricted stock (in shares)									1,295	1,170	1,642
Weighted average common shares outstanding for dilutive earnings per share (in shares)									3,039,593	3,056,204	3,087,438
Earnings per share - dilutive (in dollars per share)	$1.14	$1.11	$1.11	$1.04	$1.08	$1.15	$1.07	$1.08	$4.40	$4.38	$4.60
Restricted Stock [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive restricted stock excluded from net income per share calculations (in shares)									2,248	2,555	2,621
Core Deposits [Member]
Finite-Lived Intangible Assets [Line Items]
Amortization expense									$0	$0	$15,000
Minimum [Member]
Allowance for Loan Losses [Abstract]
Number of days past for loan to be considered impaired, Maximum									90 days
Minimum [Member] \| Restricted Stock [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive stock share price range (in dollars per share)									$37.10	$34.70	$26.80
Minimum [Member] \| Core Deposits [Member]
Finite-Lived Intangible Assets [Line Items]
Useful Life									3 years
Maximum [Member] \| Restricted Stock [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive stock share price range (in dollars per share)									$50.50	$44.50	$37.35
Maximum [Member] \| Core Deposits [Member]
Finite-Lived Intangible Assets [Line Items]
Useful Life									5 years 6 months
Furniture, Fixtures and Equipment [Member] \| Minimum [Member]
Property, Plant and Equipment [Line Items]
Useful life									3 years
Furniture, Fixtures and Equipment [Member] \| Maximum [Member]
Property, Plant and Equipment [Line Items]
Useful life									15 years
Building Premises [Member] \| Minimum [Member]
Property, Plant and Equipment [Line Items]
Useful life									5 years
Building Premises [Member] \| Maximum [Member]
Property, Plant and Equipment [Line Items]
Useful life									40 years
Open End Loans [Member]
Loans to be Charged Off [Line Items]
Number of days past due before charge-off									180 days
Closed End Loans [Member]
Loans to be Charged Off [Line Items]
Number of days past due before charge-off									120 days
All Other Loans [Member]
Loans to be Charged Off [Line Items]
Number of days past due before charge-off									90 days

RESTRICTIONS_ON_CASH_AND_DUE_F1

RESTRICTIONS ON CASH AND DUE FROM BANKS (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
RESTRICTIONS ON CASH AND DUE FROM BANKS [Abstract]
Cash reserves at the Federal Reserve Bank	$1,526,000	$1,447,000
Cash FDIC insured amount, maximum	$250,000

INVESTMENT_SECURITIES_Details

INVESTMENT SECURITIES (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
	Security	Dec. 31, 2013	Dec. 31, 2012
Available for Sale Securities Amortized Cost, Gross Unrealized Gains or Losses and Fair Value [Abstract]
Amortized Cost	$301,459,000	$317,463,000
Gross Unrealized Gains	5,603,000	4,538,000
Gross Unrealized Losses	-916,000	-4,700,000
Fair Value	306,146,000	317,301,000
Number of securities owned with fair value than cost	58
Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]
Less than Twelve Months, Fair Value	36,508,000	163,889,000
Twelve Months or Greater, Fair Value	67,011,000	12,731,000
Total, Fair Value	103,519,000	176,620,000
Less than Twelve Months, Gross Unrealized Losses	-134,000	-4,014,000
Twelve Months or Greater, Gross Unrealized Losses	-782,000	-686,000
Total, Gross Unrealized Losses	-916,000	-4,700,000
Duration securities impaired, Minimum	1 year
Proceeds from sale of securities available-for-sale	28,989,000	25,461,000	20,619,000
Realized investment gains (losses) [Abstract]
Gross gains	647,000	827,000	604,000
Gross losses	31,000	386,000	0
Net gains	616,000	441,000	604,000
Investment securities pledged as collateral	186,388,000	194,659,000
Amortized Cost [Abstract]
Due in one year or less	15,485,000
Due after one year through five years	135,042,000
Due after five years through ten years	53,260,000
Due after ten years	96,535,000
Total	300,322,000
Fair Value [Abstract]
Due in one year or less	15,662,000
Due after one year through five years	135,182,000
Due after five years through ten years	54,076,000
Due after ten years	99,536,000
Total	304,456,000
U.S. Agency Securities [Member]
Available for Sale Securities Amortized Cost, Gross Unrealized Gains or Losses and Fair Value [Abstract]
Amortized Cost	150,847,000	153,896,000
Gross Unrealized Gains	638,000	702,000
Gross Unrealized Losses	-600,000	-2,409,000
Fair Value	150,885,000	152,189,000
Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]
Less than Twelve Months, Fair Value	27,382,000	98,356,000
Twelve Months or Greater, Fair Value	43,642,000	2,825,000
Total, Fair Value	71,024,000	101,181,000
Less than Twelve Months, Gross Unrealized Losses	-110,000	-2,212,000
Twelve Months or Greater, Gross Unrealized Losses	-490,000	-197,000
Total, Gross Unrealized Losses	-600,000	-2,409,000
Realized investment gains (losses) [Abstract]
Gross gains	177,000	86,000	50,000
Available-for-sale securities sold at a gross gain	8	7	4
U.S. Treasuries [Member]
Available for Sale Securities Amortized Cost, Gross Unrealized Gains or Losses and Fair Value [Abstract]
Amortized Cost	4,944,000	11,856,000
Gross Unrealized Gains	0	0
Gross Unrealized Losses	-95,000	-547,000
Fair Value	4,849,000	11,309,000
Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]
Less than Twelve Months, Fair Value	0	11,309,000
Twelve Months or Greater, Fair Value	4,849,000	0
Total, Fair Value	4,849,000	11,309,000
Less than Twelve Months, Gross Unrealized Losses	0	-547,000
Twelve Months or Greater, Gross Unrealized Losses	-95,000	0
Total, Gross Unrealized Losses	-95,000	-547,000
Realized investment gains (losses) [Abstract]
Gross gains		95,000
Gross losses	31,000
Available-for-sale securities sold at a gross gain		2
Obligations of State and Political Subdivisions [Member]
Available for Sale Securities Amortized Cost, Gross Unrealized Gains or Losses and Fair Value [Abstract]
Amortized Cost	101,281,000	94,113,000
Gross Unrealized Gains	3,854,000	2,146,000
Gross Unrealized Losses	-99,000	-1,254,000
Fair Value	105,036,000	95,005,000
Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]
Less than Twelve Months, Fair Value	3,596,000	24,201,000
Twelve Months or Greater, Fair Value	8,584,000	6,491,000
Total, Fair Value	12,180,000	30,692,000
Less than Twelve Months, Gross Unrealized Losses	-19,000	-865,000
Twelve Months or Greater, Gross Unrealized Losses	-80,000	-389,000
Total, Gross Unrealized Losses	-99,000	-1,254,000
Realized investment gains (losses) [Abstract]
Gross gains	172,000	87,000	9,000
Available-for-sale securities sold at a gross gain	1	4	1
Corporate Obligations [Member]
Available for Sale Securities Amortized Cost, Gross Unrealized Gains or Losses and Fair Value [Abstract]
Amortized Cost	13,853,000	16,651,000
Gross Unrealized Gains	190,000	341,000
Gross Unrealized Losses	-85,000	-190,000
Fair Value	13,958,000	16,802,000
Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]
Less than Twelve Months, Fair Value	505,000	6,103,000
Twelve Months or Greater, Fair Value	7,707,000	2,251,000
Total, Fair Value	8,212,000	8,354,000
Less than Twelve Months, Gross Unrealized Losses	-1,000	-124,000
Twelve Months or Greater, Gross Unrealized Losses	-84,000	-66,000
Total, Gross Unrealized Losses	-85,000	-190,000
Realized investment gains (losses) [Abstract]
Gross gains		2,000
Gross losses		246,000
Available-for-sale securities sold at a gross gain	2	1
Available-for-sale securities sold at a gross loss		1
Mortgage-backed Securities in Government Sponsored Entities [Member]
Available for Sale Securities Amortized Cost, Gross Unrealized Gains or Losses and Fair Value [Abstract]
Amortized Cost	29,397,000	40,405,000
Gross Unrealized Gains	368,000	566,000
Gross Unrealized Losses	-37,000	-300,000
Fair Value	29,728,000	40,671,000
Available-For-Sale Securities, Fair Value and Gross Unrealized Losses [Abstract]
Less than Twelve Months, Fair Value	5,025,000	23,920,000
Twelve Months or Greater, Fair Value	2,229,000	1,164,000
Total, Fair Value	7,254,000	25,084,000
Less than Twelve Months, Gross Unrealized Losses	-4,000	-266,000
Twelve Months or Greater, Gross Unrealized Losses	-33,000	-34,000
Total, Gross Unrealized Losses	-37,000	-300,000
Realized investment gains (losses) [Abstract]
Gross gains	197,000	356,000	392,000
Gross losses		140,000
Available-for-sale securities sold at a gross gain	7	9	12
Available-for-sale securities sold at a gross loss		2
Equity Securities in Financial Institutions [Member]
Available for Sale Securities Amortized Cost, Gross Unrealized Gains or Losses and Fair Value [Abstract]
Amortized Cost	1,137,000	542,000
Gross Unrealized Gains	553,000	783,000
Gross Unrealized Losses	0	0
Fair Value	1,690,000	1,325,000
Realized investment gains (losses) [Abstract]
Gross gains	$101,000	$296,000	$58,000
Available-for-sale securities sold at a gross gain	1	3	1

LOANS_AND_RELATED_ALLOWANCE_FO2

LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Segments of loan portfolio and allowance for loan losses [Abstract]
Total Loans	$554,105,000	$540,612,000
Allowance for loan losses	6,815,000	7,098,000
Net loans	547,290,000	533,514,000
Individually evaluated for impairment	8,822,000	10,400,000
Collectively evaluated for impairment	545,283,000	530,212,000
Real estate loans serviced for Freddie Mac and Fannie Mae	84,676,000	82,618,000
Net unamortized loan fees and costs	1,173,000	1,187,000
Number of days past for loan to be considered impaired, Minimum	90 days
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	7,098,000	6,784,000	6,487,000
Charge-offs	-910,000	-134,000	-172,000
Recoveries	42,000	43,000	49,000
Provision	585,000	405,000	420,000
Balance at end of period	6,815,000	7,098,000	6,784,000
Individually evaluated for impairment	98,000	333,000	582,000
Collectively evaluated for impairment	6,717,000	6,765,000	6,202,000
Minimum [Member]
Segments of loan portfolio and allowance for loan losses [Abstract]
Number of days past for loan to be considered impaired, Minimum	90 days
First Mortgage [Member] \| Minimum [Member]
Segments of loan portfolio and allowance for loan losses [Abstract]
Period of mortgage on real estate	15 years
First Mortgage [Member] \| Maximum [Member]
Segments of loan portfolio and allowance for loan losses [Abstract]
Period of mortgage on real estate	30 years
Second Mortgage [Member] \| Maximum [Member]
Segments of loan portfolio and allowance for loan losses [Abstract]
Period of mortgage on real estate	15 years
Residential [Member]
Segments of loan portfolio and allowance for loan losses [Abstract]
Total Loans	185,438,000	187,101,000
Individually evaluated for impairment	316,000	342,000
Collectively evaluated for impairment	185,122,000	186,759,000
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	946,000	875,000	805,000
Charge-offs	-97,000	-17,000	-95,000
Recoveries	0	5,000	0
Provision	29,000	83,000	165,000
Balance at end of period	878,000	946,000	875,000
Individually evaluated for impairment	25,000	27,000	22,000
Collectively evaluated for impairment	853,000	919,000	853,000
Commercial and Agricultural [Member]
Segments of loan portfolio and allowance for loan losses [Abstract]
Total Loans	215,584,000	215,088,000
Individually evaluated for impairment	6,112,000	8,310,000
Collectively evaluated for impairment	209,472,000	206,778,000
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	4,558,000	4,437,000	4,132,000
Charge-offs	-516,000	-62,000	-2,000
Recoveries	15,000	5,000	9,000
Provision	-187,000	178,000	298,000
Balance at end of period	3,870,000	4,558,000	4,437,000
Individually evaluated for impairment	72,000	305,000	559,000
Collectively evaluated for impairment	3,798,000	4,253,000	3,878,000
Change in loan portfolio	11,168,000	187,000
Construction [Member]
Segments of loan portfolio and allowance for loan losses [Abstract]
Total Loans	6,353,000	8,937,000
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	6,353,000	8,937,000
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	50,000	38,000	15,000
Charge-offs	0	0	0
Recoveries	0	0	0
Provision	-24,000	12,000	23,000
Balance at end of period	26,000	50,000	38,000
Individually evaluated for impairment	0	0	0
Collectively evaluated for impairment	26,000	50,000	38,000
Consumer [Member]
Segments of loan portfolio and allowance for loan losses [Abstract]
Total Loans	8,497,000	9,563,000
Individually evaluated for impairment	0	15,000
Collectively evaluated for impairment	8,497,000	9,548,000
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	105,000	119,000	111,000
Charge-offs	-47,000	-54,000	-54,000
Recoveries	27,000	33,000	33,000
Provision	-1,000	7,000	29,000
Balance at end of period	84,000	105,000	119,000
Individually evaluated for impairment	0	0	0
Collectively evaluated for impairment	84,000	105,000	119,000
Other Commercial and Agricultural Loans [Member]
Segments of loan portfolio and allowance for loan losses [Abstract]
Total Loans	58,516,000	54,029,000
Individually evaluated for impairment	2,394,000	1,733,000
Collectively evaluated for impairment	56,122,000	52,296,000
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	942,000	728,000	674,000
Charge-offs	-250,000	-1,000	-21,000
Recoveries	0	0	7,000
Provision	532,000	215,000	68,000
Balance at end of period	1,224,000	942,000	728,000
Individually evaluated for impairment	1,000	1,000	1,000
Collectively evaluated for impairment	1,223,000	941,000	727,000
State and Political Subdivision Loans [Member]
Segments of loan portfolio and allowance for loan losses [Abstract]
Total Loans	79,717,000	65,894,000
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	79,717,000	65,894,000
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	330,000	271,000	235,000
Charge-offs	0	0	0
Recoveries	0	0	0
Provision	215,000	59,000	36,000
Balance at end of period	545,000	330,000	271,000
Individually evaluated for impairment	0	0	0
Collectively evaluated for impairment	545,000	330,000	271,000
Unallocated [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	167,000	316,000	515,000
Charge-offs	0	0	0
Recoveries	0	0	0
Provision	21,000	-149,000	-199,000
Balance at end of period	188,000	167,000	316,000
Individually evaluated for impairment	0	0	0
Collectively evaluated for impairment	$188,000	$167,000	$316,000

LOANS_AND_RELATED_ALLOWANCE_FO3

LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES IMPAIRED FINANCING RECEIVABLE (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Impaired Financing Receivable [Abstract]
Unpaid Principal Balance	$11,265	$12,076
Recorded Investment With No Allowance	8,239	8,232
Recorded Investment With Allowance	583	2,168
Total Recorded Investment	8,822	10,400
Related Allowance	98	333
Average Recorded Investment	9,639	10,728	8,625
Interest Income Recognized	146	547	123
Interest Income Recognized Cash Basis	0	377	123
Mortgages [Member]
Impaired Financing Receivable [Abstract]
Unpaid Principal Balance	222	232
Recorded Investment With No Allowance	125	138
Recorded Investment With Allowance	66	70
Total Recorded Investment	191	208
Related Allowance	13	14
Average Recorded Investment	198	327	170
Interest Income Recognized	9	7	2
Interest Income Recognized Cash Basis	0	0	2
Home Equity [Member]
Impaired Financing Receivable [Abstract]
Unpaid Principal Balance	130	134
Recorded Investment With No Allowance	60	65
Recorded Investment With Allowance	65	69
Total Recorded Investment	125	134
Related Allowance	12	13
Average Recorded Investment	130	136	112
Interest Income Recognized	4	4	4
Interest Income Recognized Cash Basis	0	0	4
Commercial [Member]
Impaired Financing Receivable [Abstract]
Unpaid Principal Balance	8,433	9,901
Recorded Investment With No Allowance	5,708	6,335
Recorded Investment With Allowance	404	1,975
Total Recorded Investment	6,112	8,310
Related Allowance	72	305
Average Recorded Investment	7,270	8,499	7,882
Interest Income Recognized	54	457	117
Interest Income Recognized Cash Basis	0	377	117
Agricultural [Member]
Impaired Financing Receivable [Abstract]
Unpaid Principal Balance	0	0
Recorded Investment With No Allowance	0	0
Recorded Investment With Allowance	0	0
Total Recorded Investment	0	0
Related Allowance	0	0
Average Recorded Investment	0	0	0
Interest Income Recognized	0	0	0
Interest Income Recognized Cash Basis	0	0	0
Construction [Member]
Impaired Financing Receivable [Abstract]
Unpaid Principal Balance	0	0
Recorded Investment With No Allowance	0	0
Recorded Investment With Allowance	0	0
Total Recorded Investment	0	0
Related Allowance	0	0
Average Recorded Investment	0	0	0
Interest Income Recognized	0	0	0
Interest Income Recognized Cash Basis	0	0	0
Consumer [Member]
Impaired Financing Receivable [Abstract]
Unpaid Principal Balance	0	15
Recorded Investment With No Allowance	0	15
Recorded Investment With Allowance	0	0
Total Recorded Investment	0	15
Related Allowance	0	0
Average Recorded Investment	10	5	0
Interest Income Recognized	0	0	0
Interest Income Recognized Cash Basis	0	0	0
Other Commercial Loans [Member]
Impaired Financing Receivable [Abstract]
Unpaid Principal Balance	2,480	1,794
Recorded Investment With No Allowance	2,346	1,679
Recorded Investment With Allowance	48	54
Total Recorded Investment	2,394	1,733
Related Allowance	1	1
Average Recorded Investment	2,031	1,761	461
Interest Income Recognized	79	79	0
Interest Income Recognized Cash Basis	0	0	0
Other Agricultural Loans [Member]
Impaired Financing Receivable [Abstract]
Unpaid Principal Balance	0	0
Recorded Investment With No Allowance	0	0
Recorded Investment With Allowance	0	0
Total Recorded Investment	0	0
Related Allowance	0	0
Average Recorded Investment	0	0	0
Interest Income Recognized	0	0	0
Interest Income Recognized Cash Basis	0	0	0
State and Political Subdivision Loans [Member]
Impaired Financing Receivable [Abstract]
Unpaid Principal Balance	0	0
Recorded Investment With No Allowance	0	0
Recorded Investment With Allowance	0	0
Total Recorded Investment	0	0
Related Allowance	0	0
Average Recorded Investment	0	0	0
Interest Income Recognized	0	0	0
Interest Income Recognized Cash Basis	$0	$0	$0

LOANS_AND_RELATED_ALLOWANCE_FO4

LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES CREDIT QUALITY INDICATOR (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Financing Receivable by credit exposure [Abstract]
Total	$193,935,000	196,664,000
Minimum [Member]
Financing Receivable, Recorded Investment [Line Items]
Percentage of dollar volume of commercial loan portfolio to be reviewed, minimum (in hundredths)	55.00%	60.00%
Amount over which all new loans to be reviewed, minimum	1,000,000
Amount over which all relationships to be reviewed, minimum	1,000,000
Amount which is 90 days past due to be reviewed for all aggregate loan relationships, minimum	750,000
Mortgages [Member]
Financing Receivable by credit exposure [Abstract]
Total	122,858,000	119,884,000
Home Equity [Member]
Financing Receivable by credit exposure [Abstract]
Total	62,580,000	67,217,000
Commercial [Member]
Financing Receivable by credit exposure [Abstract]
Total	190,945,000	193,087,000
Agricultural [Member]
Financing Receivable by credit exposure [Abstract]
Total	24,639,000	22,001,000
Construction [Member]
Financing Receivable by credit exposure [Abstract]
Total	6,353,000	8,937,000
Consumer [Member]
Financing Receivable by credit exposure [Abstract]
Total	8,497,000	9,563,000
Other Commercial Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	47,451,000	44,488,000
Other Agricultural Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	11,065,000	9,541,000
State and Political Subdivision Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	79,717,000	65,894,000
Pass [Member]
Financing Receivable by credit exposure [Abstract]
Total	324,932,000	305,939,000
Pass [Member] \| Commercial [Member]
Financing Receivable by credit exposure [Abstract]
Total	169,383,000	166,956,000
Pass [Member] \| Agricultural [Member]
Financing Receivable by credit exposure [Abstract]
Total	19,575,000	15,923,000
Pass [Member] \| Construction [Member]
Financing Receivable by credit exposure [Abstract]
Total	6,353,000	8,937,000
Pass [Member] \| Other Commercial Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	40,683,000	40,798,000
Pass [Member] \| Other Agricultural Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	9,221,000	7,431,000
Pass [Member] \| State and Political Subdivision Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	79,717,000	65,894,000
Special Mention [Member]
Financing Receivable by credit exposure [Abstract]
Total	17,482,000	8,455,000
Special Mention [Member] \| Commercial [Member]
Financing Receivable by credit exposure [Abstract]
Total	8,948,000	4,645,000
Special Mention [Member] \| Agricultural [Member]
Financing Receivable by credit exposure [Abstract]
Total	3,394,000	1,910,000
Special Mention [Member] \| Construction [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	0
Special Mention [Member] \| Other Commercial Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	4,413,000	1,747,000
Special Mention [Member] \| Other Agricultural Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	727,000	153,000
Special Mention [Member] \| State and Political Subdivision Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	0
Substandard [Member]
Financing Receivable by credit exposure [Abstract]
Total	17,756,000	29,347,000
Substandard [Member] \| Commercial [Member]
Financing Receivable by credit exposure [Abstract]
Total	12,614,000	21,284,000
Substandard [Member] \| Agricultural [Member]
Financing Receivable by credit exposure [Abstract]
Total	1,670,000	4,168,000
Substandard [Member] \| Construction [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	0
Substandard [Member] \| Other Commercial Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	2,355,000	1,938,000
Substandard [Member] \| Other Agricultural Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	1,117,000	1,957,000
Substandard [Member] \| State and Political Subdivision Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	0
Doubtful [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	207,000
Doubtful [Member] \| Commercial [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	202,000
Doubtful [Member] \| Agricultural [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	0
Doubtful [Member] \| Construction [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	0
Doubtful [Member] \| Other Commercial Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	5,000
Doubtful [Member] \| Other Agricultural Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	0
Doubtful [Member] \| State and Political Subdivision Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	0
Loss [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	0
Loss [Member] \| Commercial [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	0
Loss [Member] \| Agricultural [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	0
Loss [Member] \| Construction [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	0
Loss [Member] \| Other Commercial Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	0
Loss [Member] \| Other Agricultural Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	0
Loss [Member] \| State and Political Subdivision Loans [Member]
Financing Receivable by credit exposure [Abstract]
Total	0	0
Internally Assigned Grade [Member]
Financing Receivable by credit exposure [Abstract]
Total	360,170,000	343,948,000
Performing [Member]
Financing Receivable by credit exposure [Abstract]
Total	192,708,000	195,611,000
Performing [Member] \| Mortgages [Member]
Financing Receivable by credit exposure [Abstract]
Total	121,968,000	119,075,000
Performing [Member] \| Home Equity [Member]
Financing Receivable by credit exposure [Abstract]
Total	62,296,000	66,989,000
Performing [Member] \| Consumer [Member]
Financing Receivable by credit exposure [Abstract]
Total	8,444,000	9,547,000
Nonperforming [Member]
Financing Receivable by credit exposure [Abstract]
Total	1,227,000	1,053,000
Nonperforming [Member] \| Mortgages [Member]
Financing Receivable by credit exposure [Abstract]
Total	890,000	809,000
Nonperforming [Member] \| Home Equity [Member]
Financing Receivable by credit exposure [Abstract]
Total	284,000	228,000
Nonperforming [Member] \| Consumer [Member]
Financing Receivable by credit exposure [Abstract]
Total	$53,000	16,000

LOANS_AND_RELATED_ALLOWANCE_FO5

LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES PAST DUE (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Recorded investment of past due [Abstract]
30 to 59 Days Past Due	$1,479,000	$1,207,000
60 to 89 Days Past Due	822,000	425,000
90 Days Or Greater	2,850,000	4,124,000
Total Past Due	5,151,000	5,756,000
Current	548,954,000	534,856,000
Total Loans	554,105,000	540,612,000
90 Days and Accruing	836,000	697,000
Financing receivables on nonaccrual status [Abstract]
Financing receivable nonaccrual status	6,599,000	8,097,000
Foregone interest income	527,000	632,000	531,000
Minimum [Member]
Recorded investment of past due [Abstract]
Period of past due after which loans considered as non accrual	90 days
Loans Considered Non-Accrual [Member]
Recorded investment of past due [Abstract]
30 to 59 Days Past Due	48,000	98,000
60 to 89 Days Past Due	181,000	164,000
90 Days Or Greater	2,014,000	3,427,000
Total Past Due	2,243,000	3,689,000
Current	4,356,000	4,408,000
Total Loans	6,599,000	8,097,000
Loans Still Accruing [Member]
Recorded investment of past due [Abstract]
30 to 59 Days Past Due	1,431,000	1,109,000
60 to 89 Days Past Due	641,000	261,000
90 Days Or Greater	836,000	697,000
Total Past Due	2,908,000	2,067,000
Current	544,598,000	530,448,000
Total Loans	547,506,000	532,515,000
Mortgages [Member]
Recorded investment of past due [Abstract]
30 to 59 Days Past Due	318,000	362,000
60 to 89 Days Past Due	230,000	40,000
90 Days Or Greater	675,000	739,000
Total Past Due	1,223,000	1,141,000
Current	121,635,000	118,743,000
Total Loans	122,858,000	119,884,000
90 Days and Accruing	214,000	301,000
Financing receivables on nonaccrual status [Abstract]
Financing receivable nonaccrual status	676,000	508,000
Home Equity [Member]
Recorded investment of past due [Abstract]
30 to 59 Days Past Due	442,000	632,000
60 to 89 Days Past Due	99,000	2,000
90 Days Or Greater	260,000	229,000
Total Past Due	801,000	863,000
Current	61,779,000	66,354,000
Total Loans	62,580,000	67,217,000
90 Days and Accruing	132,000	51,000
Financing receivables on nonaccrual status [Abstract]
Financing receivable nonaccrual status	152,000	177,000
Commercial [Member]
Recorded investment of past due [Abstract]
30 to 59 Days Past Due	97,000	88,000
60 to 89 Days Past Due	231,000	319,000
90 Days Or Greater	1,432,000	3,091,000
Total Past Due	1,760,000	3,498,000
Current	189,185,000	189,589,000
Total Loans	190,945,000	193,087,000
90 Days and Accruing	310,000	344,000
Financing receivables on nonaccrual status [Abstract]
Financing receivable nonaccrual status	5,010,000	7,247,000
Agricultural [Member]
Recorded investment of past due [Abstract]
30 to 59 Days Past Due	0	0
60 to 89 Days Past Due	0	0
90 Days Or Greater	0	0
Total Past Due	0	0
Current	24,639,000	22,001,000
Total Loans	24,639,000	22,001,000
90 Days and Accruing	0	0
Financing receivables on nonaccrual status [Abstract]
Financing receivable nonaccrual status	0	0
Construction [Member]
Recorded investment of past due [Abstract]
30 to 59 Days Past Due	0	0
60 to 89 Days Past Due	0	0
90 Days Or Greater	0	0
Total Past Due	0	0
Current	6,353,000	8,937,000
Total Loans	6,353,000	8,937,000
90 Days and Accruing	0	0
Financing receivables on nonaccrual status [Abstract]
Financing receivable nonaccrual status	0	0
Consumer [Member]
Recorded investment of past due [Abstract]
30 to 59 Days Past Due	119,000	96,000
60 to 89 Days Past Due	4,000	36,000
90 Days Or Greater	7,000	16,000
Total Past Due	130,000	148,000
Current	8,367,000	9,415,000
Total Loans	8,497,000	9,563,000
90 Days and Accruing	6,000	1,000
Financing receivables on nonaccrual status [Abstract]
Financing receivable nonaccrual status	47,000	15,000
Other Commercial Loans [Member]
Recorded investment of past due [Abstract]
30 to 59 Days Past Due	503,000	29,000
60 to 89 Days Past Due	258,000	28,000
90 Days Or Greater	476,000	49,000
Total Past Due	1,237,000	106,000
Current	46,214,000	44,382,000
Total Loans	47,451,000	44,488,000
90 Days and Accruing	174,000	0
Financing receivables on nonaccrual status [Abstract]
Financing receivable nonaccrual status	714,000	150,000
Other Agricultural Loans [Member]
Recorded investment of past due [Abstract]
30 to 59 Days Past Due	0	0
60 to 89 Days Past Due	0	0
90 Days Or Greater	0	0
Total Past Due	0	0
Current	11,065,000	9,541,000
Total Loans	11,065,000	9,541,000
90 Days and Accruing	0	0
Financing receivables on nonaccrual status [Abstract]
Financing receivable nonaccrual status	0	0
State and Political Subdivision Loans [Member]
Recorded investment of past due [Abstract]
30 to 59 Days Past Due	0	0
60 to 89 Days Past Due	0	0
90 Days Or Greater	0	0
Total Past Due	0	0
Current	79,717,000	65,894,000
Total Loans	79,717,000	65,894,000
90 Days and Accruing	0	0
Financing receivables on nonaccrual status [Abstract]
Financing receivable nonaccrual status	$0	$0

LOANS_AND_RELATED_ALLOWANCE_FO6

LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES TDR (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
	Contract	Contract	Contract
LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES [Abstract]
Reserves of allowance for loan losses	$26,000	$28,000	$14,000
Recidivism receivables [Abstract]
Total recidivism, Number of contracts	1	2	1
Total recidivism, Recorded investment	50,000	61,000	50,000
Interest Modification [Member]
Financing receivable modifications [Abstract]
Number of contracts	0	1	1
Pre-modification Outstanding Recorded Investment	0	72,000	48,000
Post-Modification Outstanding Recorded Investment	0	72,000	48,000
Term Modification [Member]
Financing receivable modifications [Abstract]
Number of contracts	2	4	5
Pre-modification Outstanding Recorded Investment	153,000	2,895,000	256,000
Post-Modification Outstanding Recorded Investment	153,000	2,895,000	256,000
Mortgages [Member] \| Interest Modification [Member]
Financing receivable modifications [Abstract]
Number of contracts		1	1
Pre-modification Outstanding Recorded Investment		72,000	48,000
Post-Modification Outstanding Recorded Investment		72,000	48,000
Mortgages [Member] \| Term Modification [Member]
Financing receivable modifications [Abstract]
Number of contracts		0	1
Pre-modification Outstanding Recorded Investment		0	71,000
Post-Modification Outstanding Recorded Investment		0	71,000
Commercial [Member]
Recidivism receivables [Abstract]
Total recidivism, Number of contracts	1	1	1
Total recidivism, Recorded investment	50,000	55,000	50,000
Commercial [Member] \| Interest Modification [Member]
Financing receivable modifications [Abstract]
Number of contracts	0	0	0
Pre-modification Outstanding Recorded Investment	0	0	0
Post-Modification Outstanding Recorded Investment	0	0	0
Commercial [Member] \| Term Modification [Member]
Financing receivable modifications [Abstract]
Number of contracts	2	2	3
Pre-modification Outstanding Recorded Investment	153,000	1,365,000	160,000
Post-Modification Outstanding Recorded Investment	153,000	1,365,000	160,000
Other Commercial Loans [Member]
Recidivism receivables [Abstract]
Total recidivism, Number of contracts	0	1	0
Total recidivism, Recorded investment	0	6,000	0
Other Commercial Loans [Member] \| Interest Modification [Member]
Financing receivable modifications [Abstract]
Number of contracts		0	0
Pre-modification Outstanding Recorded Investment		0	0
Post-Modification Outstanding Recorded Investment		0	0
Other Commercial Loans [Member] \| Term Modification [Member]
Financing receivable modifications [Abstract]
Number of contracts		2	1
Pre-modification Outstanding Recorded Investment		1,530,000	25,000
Post-Modification Outstanding Recorded Investment		$1,530,000	$25,000

PREMISES_EQUIPMENT_Details

PREMISES & EQUIPMENT (Details) (USD $)	12 Months Ended
PREMISES & EQUIPMENT (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	$23,774,000	$22,051,000
Less: accumulated depreciation	11,417,000	10,946,000
Premises and equipment, net	12,357,000	11,105,000
Depreciation expense	537,000	598,000	606,000
Land [Member]
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	3,295,000	3,295,000
Buildings [Member]
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	12,456,000	12,448,000
Furniture, Fixtures and Equipment [Member]
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	6,187,000	6,204,000
Construction in Process [Member]
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	$1,836,000	$104,000

GOODWILL_Details

GOODWILL (Details) (USD $)	12 Months Ended
GOODWILL (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
GOODWILL [Abstract]
Goodwill	$10,256,000	$10,256,000
Goodwill impairment loss	$0	$0	$0

FEDERAL_HOME_LOAN_BANK_FHLB_ST1

FEDERAL HOME LOAN BANK (FHLB) STOCK (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
FEDERAL HOME LOAN BANK (FHLB) STOCK [Abstract]
Federal home loan bank stock	$1,761,000	$3,652,000
FHLB Stock, at par value (in dollars per share)	$100

DEPOSITS_Details

DEPOSITS (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
DEPOSITS [Abstract]
Non-interest-bearing deposits	$95,526,000	$85,585,000
NOW accounts	226,038,000	215,656,000
Savings deposits	108,252,000	95,678,000
Money market deposit accounts	95,350,000	85,038,000
Certificates of deposit	248,767,000	266,359,000
Total deposits	773,933,000	748,316,000
Certificates of deposit of $250,000 or more [Abstract]
Certificates of deposit of $250,000 or more	47,310,000	52,809,000
Maturities of certificates of deposit [Abstract]
2015	118,633,000
2016	44,531,000
2017	39,426,000
2018	18,406,000
2019	17,834,000
Thereafter	9,937,000
Total certificates of deposit	$248,767,000

BORROWED_FUNDS_Details

BORROWED FUNDS (Details) (USD $)	12 Months Ended
BORROWED FUNDS (Details) (USD $)	Dec. 31, 2014		Dec. 31, 2013
Debt Instrument [Line Items]
Borrowed funds	$41,799,000		$66,932,000
Highest balance at any month-end	72,879,000		89,377,000
Average balance	39,208,000		42,214,000
Weighted average interest rate paid during the year (in hundredths)	1.55%		2.86%
Weighted average interest rate as of year end (in hundredths)	1.50%		0.96%
Investment securities pledged as collateral	186,388,000		194,659,000
Maturities of borrowed funds [Abstract]
2015	29,465,000
2016	534,000
2017	2,000,000
2018	1,000,000
2019	2,000,000
Thereafter	6,800,000
Total borrowed funds	41,799,000		66,932,000
Securities Sold Under Agreements to Repurchase [Member]
Debt Instrument [Line Items]
Borrowed funds	5,906,000	[1]	7,278,000	[1]
Highest balance at any month-end	7,277,000	[1]	8,923,000	[1]
Average balance	6,535,000	[1]	7,821,000	[1]
Weighted average interest rate paid during the year (in hundredths)	0.91%	[1]	0.88%	[1]
Weighted average interest rate as of year end (in hundredths)	0.99%	[1]	0.87%	[1]
Maturity term, Maximum	5 years
Securities sold under agreements to repurchase due in less than one year	4,677,000		6,069,000
Securities sold under agreements to repurchase due in greater than one year	1,229,000		1,209,000
Carrying value of the underlying securities pledged and sold under agreements to repurchase	15,838,000		12,416,000
Maturities of borrowed funds [Abstract]
Total borrowed funds	5,906,000	[1]	7,278,000	[1]
FHLB Advances [Member]
Debt Instrument [Line Items]
Borrowed funds	16,593,000	[2]	42,954,000	[2]
Federal Home Loan Bank, advances, highest balance at any month-end	39,902,000	[2]	42,954,000	[2]
Federal Home Loan Bank, advances, average balance	9,991,000	[2]	4,871,000	[2]
Federal Home Loan Bank, advances, weighted average interest rate paid during the year (in hundredths)	0.27%	[2]	0.25%	[2]
Federal Home Loan Bank, advances, weighted average interest rate as of year-end (in hundredths)	0.24%	[2]	0.25%	[2]
Maximum borrowing limit	262,598,000
Carrying value of securities pledged as collateral			4,514,000
Investment securities pledged as collateral	372,000
Maturities of borrowed funds [Abstract]
Total borrowed funds	16,593,000	[2]	42,954,000	[2]
Federal Funds Line [Member]
Debt Instrument [Line Items]
Borrowed funds	0	[3]	0	[3]
Highest balance at any month-end	0	[3]	0	[3]
Average balance	1,000	[3]	0	[3]
Weighted average interest rate paid during the year (in hundredths)	0.76%	[3]	0.73%	[3]
Weighted average interest rate as of year end (in hundredths)	0.00%	[3]	0.00%	[3]
Maximum borrowing limit	10,000,000
Maturities of borrowed funds [Abstract]
Total borrowed funds	0	[3]	0	[3]
FRB BIC Line [Member]
Debt Instrument [Line Items]
Borrowed funds	0	[4]	0	[4]
Highest balance at any month-end	0	[4]	0	[4]
Average balance	1,000	[4]	0	[4]
Weighted average interest rate paid during the year (in hundredths)	0.75%	[4]	0.75%	[4]
Weighted average interest rate as of year end (in hundredths)	0.00%	[4]	0.00%	[4]
Maximum borrowing limit	9,074,000
Carrying value of securities pledged as collateral			16,600,000
Investment securities pledged as collateral	17,071,000
Maturities of borrowed funds [Abstract]
Total borrowed funds	0	[4]	0	[4]
Notes Payable [Member]
Debt Instrument [Line Items]
Borrowed funds	7,500,000	[5],[6]	7,500,000	[5],[6]
Highest balance at any month-end	7,500,000	[5],[6]	7,500,000	[5],[6]
Average balance	7,500,000	[5],[6]	7,500,000	[5],[6]
Weighted average interest rate paid during the year (in hundredths)	3.09%	[5],[6]	5.82%	[5],[6]
Weighted average interest rate as of year end (in hundredths)	3.04%	[5],[6]	3.04%	[5],[6]
Face amount of debt	7,500,000
Variable rate basis	3 month LIBOR
Basis spread on variable rate (in hundredths)	2.80%
Unamortized debt issuance costs	75,000
Notional amount of derivative liability	7,500,000
Maturities of borrowed funds [Abstract]
Total borrowed funds	7,500,000	[5],[6]	7,500,000	[5],[6]
Term Loans [Member]
Debt Instrument [Line Items]
Borrowed funds	11,800,000	[7]	9,200,000	[7]
Highest balance at any month-end	18,200,000	[7]	30,000,000	[7]
Average balance	15,180,000	[7]	22,022,000	[7]
Weighted average interest rate paid during the year (in hundredths)	1.89%	[7]	3.13%	[7]
Weighted average interest rate as of year end (in hundredths)	2.54%	[7]	2.78%	[7]
Maturities of borrowed funds [Abstract]
Total borrowed funds	11,800,000	[7]	9,200,000	[7]
Term Loans [Member] \| January 27, 2014 [Member]
Debt Instrument [Line Items]
Borrowed funds	0		1,000,000
Stated interest rate (in hundredths)	2.31%
Maturity date	27-Jan-14
Maturities of borrowed funds [Abstract]
Total borrowed funds	0		1,000,000
Term Loans [Member] \| April 17, 2014 [Member]
Debt Instrument [Line Items]
Borrowed funds	0		3,200,000
Stated interest rate (in hundredths)	2.80%
Maturity date	17-Apr-14
Maturities of borrowed funds [Abstract]
Total borrowed funds	0		3,200,000
Term Loans [Member] \| October 2, 2017 [Member]
Debt Instrument [Line Items]
Borrowed funds	2,000,000		2,000,000
Stated interest rate (in hundredths)	2.29%
Maturity date	2-Oct-17
Maturities of borrowed funds [Abstract]
Total borrowed funds	2,000,000		2,000,000
Term Loans [Member] \| July 12, 2018 [Member]
Debt Instrument [Line Items]
Borrowed funds	1,000,000		1,000,000
Stated interest rate (in hundredths)	2.72%
Maturity date	12-Jul-18
Maturities of borrowed funds [Abstract]
Total borrowed funds	1,000,000		1,000,000
Term Loans [Member] \| February 4, 2019 [Member]
Debt Instrument [Line Items]
Borrowed funds	2,000,000		0
Stated interest rate (in hundredths)	1.87%
Maturity date	4-Feb-19
Maturities of borrowed funds [Abstract]
Total borrowed funds	2,000,000		0
Term Loans [Member] \| February 3, 2021 [Member]
Debt Instrument [Line Items]
Borrowed funds	2,000,000		0
Stated interest rate (in hundredths)	2.61%
Maturity date	3-Feb-21
Maturities of borrowed funds [Abstract]
Total borrowed funds	2,000,000		0
Term Loans [Member] \| July 12, 2021 [Member]
Debt Instrument [Line Items]
Borrowed funds	2,000,000		2,000,000
Stated interest rate (in hundredths)	3.52%
Maturity date	12-Jul-21
Maturities of borrowed funds [Abstract]
Total borrowed funds	2,000,000		2,000,000
Term Loans [Member] \| August 20, 2021 [Member]
Debt Instrument [Line Items]
Borrowed funds	2,800,000		0
Stated interest rate (in hundredths)	2.37%
Maturity date	20-Aug-21
Maturities of borrowed funds [Abstract]
Total borrowed funds	$2,800,000		$0

[1]	Securities sold under agreements to repurchase mature within 5 years. As of December 31, 2013 and 2012, repurchase agreements with original maturities of less than one year totaled $6,069,000 and $7,436,000, respectively. As of December 31, 2013 and 2012, repurchase agreements with original maturities greater than one year totaled $1,209,000 and $1,190,000, respectively. The carrying value of the underlying securities pledged at December 31, 2013 and 2012 was $12,416,000 and $13,177,000, respectively.
[2]	FHLB Advances consist of an "Open RepoPlus" agreement with the Federal Home Loan Bank of Pittsburgh. FHLB "Open RepoPlus" advances are short-term borrowings that bear interest based on the Federal Home Loan Bank discount rate or Federal Funds rate, whichever is higher. The Company has a borrowing limit of $250,777,000, inclusive of any outstanding advances. FHLB advances are secured by a blanket security agreement that includes the Company's FHLB stock, as well as certain investment and mortgage-backed securities held in safekeeping at the FHLB and certain residential and commercial mortgage loans. At December 31, 2013 and 2012, the approximate carrying value of the securities collateral was $4,514,000 and $8,092,000, respectively.
[3]	The federal funds line consists of an unsecured line from a third party bank at market rates. The Company has a borrowing limit of $10,000,000, inclusive of any outstanding balances. No specific collateral is required to be pledged for these borrowings.
[4]	The Federal Reserve Bank Borrower in Custody (FRB BIC) Line consists of a borrower in custody in agreement open in January 2010 with the Federal Reserve Bank of Philadelphia secured by municipal loans maintained in the Company's possession. As of December 31, 2013, the Company has a borrowing limit of $13,602,000, inclusive of any outstanding advances. The approximate carrying value of the municipal loan collateral was $16,600,000 and $16,814,000 as of December 31, 2013 and 2012, respectively.
[5]	In December, 2008, the Company entered into an interest rate swap agreement to convert floating-rate debt to fixed rate debt on a notional amount of $7,500,000. The interest rate swap instrument involves an agreement to receive a floating rate and pay a fixed rate, at specified intervals, calculated on the agreed-upon notional amount. The differentials paid or received on interest rate swap agreements are recognized as adjustments to interest expense in the period. The interest rate swap agreement was entered into on December 17, 2008 and matured December 17, 2013. The fair value of the interest rate swap at December 31, 2012 was a liability of $200,000, and was included within other liabilities on the consolidated balance sheets.
[6]	In December 2003, the Company formed a special purpose entity ("Entity") to issue $7,500,000 of floating rate obligated mandatory redeemable securities as part of a pooled offering. The rate was determined quarterly and floated based on the 3 month LIBOR plus 2.80. The Entity may redeem them, in whole or in part, at face value after December 17, 2008, and on a quarterly basis thereafter. The Company borrowed the proceeds of the issuance from the Entity in December 2003 in the form of a $7,500,000 note payable. Debt issue costs of $75,000 have been capitalized and fully amortized as of December 31, 2008. Under current accounting rules, the Company's minority interest in the Entity was recorded at the initial investment amount and is included in the other assets section of the balance sheet. The Entity is not consolidated as part of the Company's consolidated financial statements.
[7]	Term Loans consist of separate loans with the Federal Home Loan Bank of Pittsburgh as follows (in thousands): December 31, December 31, Interest Rate Maturity 2014 2013 Fixed: 2.31% January 27,2014 - 1,000 2.80% April 17, 2014 - 3,200 2.29% October 2, 2017 2,000 2,000 2.72% July 12, 2018 1,000 1,000 1.87% February 4, 2019 2,000 - 2.61% February 3, 2021 2,000 - 3.52% July 12, 2021 2,000 2,000 2.37% August 20, 2021 2,800 - Total term loans $ 11,800 $ 9,200

EMPLOYEE_BENEFIT_PLANS_Details

EMPLOYEE BENEFIT PLANS (Details) (USD $)	12 Months Ended
EMPLOYEE BENEFIT PLANS (Details) (USD $)	Dec. 31, 2014		Dec. 31, 2013		Dec. 31, 2012
EMPLOYEE BENEFIT PLANS [Abstract]
Employer discretionary contribution to 401 (k) plan	$46,000		$40,000		$30,000
Amounts recognized in accumulated other comprehensive loss consists of [Abstract]
Total	-1,209,000		874,000		-560,000
Expected future benefit payments [Abstract]
Employer contribution to 401 (k) defined contribution plan	267,000		255,000		245,000
Weighted Average Market Price [Roll Forward]
Share-based compensation expense	200,000		218,000		201,000
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized (in shares)	100,000
Number of shares available for grant (in shares)	64,158
Shares [Roll Forward]
Outstanding, beginning of year (in shares)	7,172
Granted (in shares)	3,598
Forfeited (in shares)	-7
Vested (in shares)	-3,792
Outstanding, end of year (in shares)	6,971		7,172
Weighted Average Market Price [Roll Forward]
Outstanding, beginning of year (in dollars per share)	$42.02
Granted (in dollars per share)	$52.82		$48.21		$37.68
Forfeited (in dollars per share)	$37.10
Vested (in dollars per share)	$40.28
Outstanding, end of year (in dollars per share)	$48.55		$42.02
Share-based compensation expense	157,000		155,000		141,000
Compensation cost related to nonvested awards that has not yet recognized	338,000
Period over which compensation cost is expected to be recognized	2 years 3 months 29 days
Directors [Member]
Deferred Compensation Arrangement with Individual, Postretirement Benefits [Line Items]
Deferred interest expense	20,000		16,000		16,000
Pension Plan [Member]
Change in benefit obligation [Roll Forward]
Benefit obligation at beginning of year	9,739,000		10,017,000
Service cost	307,000		342,000		330,000
Interest cost	415,000		363,000		344,000
Actuarial loss / (gain)	1,645,000		-380,000
Benefits paid	-329,000		-603,000
Benefit obligation at end of year	11,777,000		9,739,000		10,017,000
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year	10,519,000		8,761,000
Actual return (loss) on plan assets	549,000		1,361,000
Employer contributions	300,000		1,000,000		750,000
Benefits paid	-329,000		-603,000
Fair value of plan assets at end of year	11,039,000		10,519,000		8,761,000
Funded status	-738,000		780,000
Amounts recognized in accumulated other comprehensive loss consists of [Abstract]
Net loss	3,795,000		2,008,000
Prior service cost	-270,000		-315,000
Total	3,525,000		1,693,000
Components of net periodic benefit cost [Abstract]
Service cost	307,000		342,000		330,000
Interest cost	415,000		363,000		344,000
Return on plan assets	-786,000		-673,000		-565,000
Net amortization and deferral	51,000		257,000		135,000
Net periodic benefit cost (income)	-13,000		289,000		244,000
Amounts that will be amortized from accumulated other comprehensive loss into the net periodic benefit cost in 2015, related to estimated net loss	239,000
Amounts that will be amortized from accumulated other comprehensive loss into the net periodic benefit cost in 2015 related to prior service cost	-47,000
Weighted-average assumptions used to determine benefit obligations [Abstract]
Discount rate (in hundredths)	3.50%		4.30%
Rate of compensation increase (in hundredths)	3.00%		3.00%
Weighted-average assumptions used to determine net periodic benefit cost (income) [Abstract]
Discount rate (in hundredths)	4.30%		3.30%		4.00%
Expected long-term return on plan assets (in hundredths)	7.50%		7.50%		7.50%
Rate of compensation increase (in hundredths)	3.00%		3.00%		3.00%
Plan assets at fair value [Abstract]
Fair value of plan assets	11,039,000		10,519,000		8,761,000
Allocation (in hundredths)	100.00%		100.00%
Expected employer contribution to pension plan	500,000
Expected future benefit payments [Abstract]
2015	312,000
2016	386,000
2017	508,000
2018	434,000
2019	1,921,000
2020-2024	4,935,000
Pension Plan [Member] \| Level I [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at end of year	8,237,000		8,430,000
Plan assets at fair value [Abstract]
Fair value of plan assets	8,237,000		8,430,000
Pension Plan [Member] \| Level II [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at end of year	2,802,000		2,089,000
Plan assets at fair value [Abstract]
Fair value of plan assets	2,802,000		2,089,000
Pension Plan [Member] \| Level III [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at end of year	0		0
Plan assets at fair value [Abstract]
Fair value of plan assets	0		0
Pension Plan [Member] \| Cash and Cash Equivalents [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at end of year	516,000		648,000
Plan assets at fair value [Abstract]
Fair value of plan assets	516,000		648,000
Allocation (in hundredths)	4.70%		6.20%
Pension Plan [Member] \| Cash and Cash Equivalents [Member] \| Level I [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at end of year	516,000		648,000
Plan assets at fair value [Abstract]
Fair value of plan assets	516,000		648,000
Pension Plan [Member] \| Cash and Cash Equivalents [Member] \| Level II [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at end of year	0		0
Plan assets at fair value [Abstract]
Fair value of plan assets	0		0
Pension Plan [Member] \| Cash and Cash Equivalents [Member] \| Level III [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at end of year	0		0
Plan assets at fair value [Abstract]
Fair value of plan assets	0		0
Pension Plan [Member] \| Equity Securities U.S. Companies [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year	3,879,000
Fair value of plan assets at end of year	3,761,000
Target Allocations of Assets [Abstract]
Target plan asset allocations range minimum (in hundredths)	50.00%
Target plan asset allocations range maximum (in hundredths)	70.00%
Plan assets at fair value [Abstract]
Fair value of plan assets	3,761,000
Allocation (in hundredths)	34.00%		36.80%
Pension Plan [Member] \| Equity Securities U.S. Companies [Member] \| Level I [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at end of year	3,761,000		3,879,000
Plan assets at fair value [Abstract]
Fair value of plan assets	3,761,000		3,879,000
Pension Plan [Member] \| Equity Securities U.S. Companies [Member] \| Level II [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at end of year	0		0
Plan assets at fair value [Abstract]
Fair value of plan assets	0		0
Pension Plan [Member] \| Equity Securities U.S. Companies [Member] \| Level III [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at end of year	0		0
Plan assets at fair value [Abstract]
Fair value of plan assets	0		0
Pension Plan [Member] \| Mutual Funds and ETF's [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at end of year	3,960,000	[1]	3,903,000	[1]
Plan assets at fair value [Abstract]
Fair value of plan assets	3,960,000	[1]	3,903,000	[1]
Allocation (in hundredths)	35.90%	[1]	37.10%	[1]
Pension Plan [Member] \| Mutual Funds and ETF's [Member] \| Level I [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at end of year	3,960,000	[1]	3,903,000	[1]
Plan assets at fair value [Abstract]
Fair value of plan assets	3,960,000	[1]	3,903,000	[1]
Pension Plan [Member] \| Mutual Funds and ETF's [Member] \| Level II [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at end of year	0	[1]	0	[1]
Plan assets at fair value [Abstract]
Fair value of plan assets	0	[1]	0	[1]
Pension Plan [Member] \| Mutual Funds and ETF's [Member] \| Level III [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at end of year	0	[1]	0	[1]
Plan assets at fair value [Abstract]
Fair value of plan assets	0	[1]	0	[1]
Pension Plan [Member] \| Corporate Bonds [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year	1,525,000
Fair value of plan assets at end of year	2,604,000
Target Allocations of Assets [Abstract]
Target plan asset allocations range minimum (in hundredths)	30.00%
Target plan asset allocations range maximum (in hundredths)	50.00%
Plan assets at fair value [Abstract]
Fair value of plan assets	2,604,000
Allocation (in hundredths)	23.60%		14.50%
Pension Plan [Member] \| Corporate Bonds [Member] \| Level I [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at end of year	0		0
Plan assets at fair value [Abstract]
Fair value of plan assets	0		0
Pension Plan [Member] \| Corporate Bonds [Member] \| Level II [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at end of year	2,604,000		1,525,000
Plan assets at fair value [Abstract]
Fair value of plan assets	2,604,000		1,525,000
Pension Plan [Member] \| Corporate Bonds [Member] \| Level III [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at end of year	0		0
Plan assets at fair value [Abstract]
Fair value of plan assets	0		0
Pension Plan [Member] \| U.S. Agency Securities [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at end of year	198,000		564,000
Plan assets at fair value [Abstract]
Fair value of plan assets	198,000		564,000
Allocation (in hundredths)	1.80%		5.40%
Pension Plan [Member] \| U.S. Agency Securities [Member] \| Level I [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at end of year	0		0
Plan assets at fair value [Abstract]
Fair value of plan assets	0		0
Pension Plan [Member] \| U.S. Agency Securities [Member] \| Level II [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at end of year	198,000		564,000
Plan assets at fair value [Abstract]
Fair value of plan assets	198,000		564,000
Pension Plan [Member] \| U.S. Agency Securities [Member] \| Level III [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at end of year	0		0
Plan assets at fair value [Abstract]
Fair value of plan assets	0		0
Pension Plan [Member] \| Common Stock [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at end of year	550,000		575,000
Plan assets at fair value [Abstract]
Fair value of plan assets	550,000		575,000
Allocation (in hundredths)	5.00%		5.50%
Supplemental Executive Retirement Plans [Member]
Expected future benefit payments [Abstract]
Obligation included in other liabilities	1,198,000		1,046,000
Cost recognized	152,000		145,000		92,000
Deferred Compensation Plan [Member]
Expected future benefit payments [Abstract]
Obligation included in other liabilities	$969,000		$981,000

[1]	This category comprises mutual funds investing in domestic large-cap, mid-caps, small caps, international large cap, emerging markets and commodities.

INCOME_TAXES_Details

INCOME TAXES (Details) (USD $)	3 Months Ended								12 Months Ended
INCOME TAXES (Details) (USD $)	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Provision for income taxes [Abstract]
Currently payable									$3,081,000	$3,082,000	$4,389,000
Deferred tax liability (asset)									478,000	670,000	-58,000
Provision for income taxes	904,000	913,000	890,000	852,000	910,000	1,029,000	907,000	906,000	3,559,000	3,752,000	4,331,000
Deferred tax assets [Abstract]
Allowance for loan losses	2,317,000				2,413,000				2,317,000	2,413,000
Deferred compensation	503,000				528,000				503,000	528,000
Merger & acquisition costs	24,000				29,000				24,000	29,000
Allowance for losses on available-for-sale securities	420,000				523,000				420,000	523,000
Pensions and other retirement obligation	658,000				90,000				658,000	90,000
Interest on non-accrual loans	825,000				793,000				825,000	793,000
Incentive plan accruals	352,000				330,000				352,000	330,000
Other real estate owned expenses	24,000				72,000				24,000	72,000
Unrealized losses on available-for-sale securities	0				55,000				0	55,000
Low income housing tax credits	33,000				1,000				33,000	1,000
Other	78,000				94,000				78,000	94,000
Total	5,234,000				4,928,000				5,234,000	4,928,000
Deferred tax liabilities [Abstract]
Premises and equipment	-306,000				-348,000				-306,000	-348,000
Investment securities accretion	-302,000				-310,000				-302,000	-310,000
Loan fees and costs	-166,000				-184,000				-166,000	-184,000
Goodwill and core deposit intangibles	-2,734,000				-2,431,000				-2,734,000	-2,431,000
Mortgage servicing rights	-161,000				-180,000				-161,000	-180,000
Unrealized gains on available-for-sale securities	-1,594,000				0				-1,594,000	0
Total	-5,263,000				-3,453,000				-5,263,000	-3,453,000
Deferred tax (liability) asset, net	-29,000				1,475,000				-29,000	1,475,000
Valuation allowance	0				0				0	0
Total provision for income taxes reconciliation [Abstract]
Provision at statutory rates on pre-tax income									5,761,000	5,823,000	6,306,000
Effect of tax-exempt income									-1,865,000	-1,752,000	-1,853,000
Low income housing tax credits									-198,000	-198,000	-57,000
Bank owned life insurance									-172,000	-171,000	-172,000
Nondeductible interest									60,000	70,000	87,000
Valuation allowance									0	0	0
Other items									-27,000	-20,000	20,000
Provision for income taxes	904,000	913,000	890,000	852,000	910,000	1,029,000	907,000	906,000	3,559,000	3,752,000	4,331,000
Statutory tax rates (in hundredths)									34.00%	34.00%	34.00%
Effective tax rates (in hundredths)									21.00%	21.90%	23.40%
Minimum percentages of tax position liable to be realized upon ultimate settlement (in hundredths)									50.00%
Liability for uncertain tax positions	0				0				0	0
Unrecognized tax benefits	$0				$0				$0	$0

OTHER_COMPREHENSIVE_INCOME_Det

OTHER COMPREHENSIVE INCOME (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014		Dec. 31, 2013
Components of accumulated other comprehensive income (loss), net of tax [Abstract]
Net unrealized gain (loss) on securities available for sale	$4,687		($162)
Tax effect	1,594		-54
Net -of-tax amount	3,093		-108
Unrecognized pension costs	-3,525		-1,693
Tax effect	-1,199		-576
Net -of-tax amount	-2,326		-1,117
Total accumulated other comprehensive income (loss)	767		-1,225
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning Balance	-1,225		4,631
Other comprehensive income (loss) before reclassifications (net of tax)	2,433		-5,395
Amounts reclassified from accumulated other comprehensive income (loss) (net of tax)	-441		-461
Net current period other comprehensive income (loss)	1,992		-5,856
Ending Balance	767		-1,225
Unrealized Gains (Loss) on Available For Sale Securities [Member]
Components of accumulated other comprehensive income (loss), net of tax [Abstract]
Total accumulated other comprehensive income (loss)	3,093	[1]	-108	[1]
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning Balance	-108	[1]	6,754	[1]
Other comprehensive income (loss) before reclassifications (net of tax)	3,608	[1]	-6,571	[1]
Amounts reclassified from accumulated other comprehensive income (loss) (net of tax)	-407	[1]	-291	[1]
Net current period other comprehensive income (loss)	3,201	[1]	-6,862	[1]
Ending Balance	3,093	[1]	-108	[1]
Unrealized Gain (Loss) on Interest Rate Swap [Member]
Components of accumulated other comprehensive income (loss), net of tax [Abstract]
Total accumulated other comprehensive income (loss)	0	[1]	0	[1]
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning Balance	0	[1]	-132	[1]
Other comprehensive income (loss) before reclassifications (net of tax)	0	[1]	132	[1]
Amounts reclassified from accumulated other comprehensive income (loss) (net of tax)	0	[1]	0	[1]
Net current period other comprehensive income (loss)	0	[1]	132	[1]
Ending Balance	0	[1]	0	[1]
Defined Benefit Pension Items [Member]
Components of accumulated other comprehensive income (loss), net of tax [Abstract]
Total accumulated other comprehensive income (loss)	-2,326	[1]	-1,117	[1]
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning Balance	-1,117	[1]	-1,991	[1]
Other comprehensive income (loss) before reclassifications (net of tax)	-1,175	[1]	1,044	[1]
Amounts reclassified from accumulated other comprehensive income (loss) (net of tax)	-34	[1]	-170	[1]
Net current period other comprehensive income (loss)	-1,209	[1]	874	[1]
Ending Balance	($2,326)	[1]	($1,117)	[1]

[1]	Amounts in parentheses indicate debits.

OTHER_COMPREHENSIVE_INCOME_REC

OTHER COMPREHENSIVE INCOME, RECLASSIFICATION (Details) (USD $)	3 Months Ended								12 Months Ended
	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014		Dec. 31, 2013		Dec. 31, 2012
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Investment securities gains, net	$128,000	$242,000	$75,000	$171,000	$56,000	$91,000	$98,000	$196,000	$616,000		$441,000		$604,000
Salaries and employee benefits									-11,505,000		-11,392,000		-11,018,000
Provision (benefit) for income taxes	-904,000	-913,000	-890,000	-852,000	-910,000	-1,029,000	-907,000	-906,000	-3,559,000		-3,752,000		-4,331,000
NET INCOME	3,476,000	3,368,000	3,365,000	3,176,000	3,296,000	3,512,000	3,280,000	3,287,000	13,385,000		13,375,000		14,215,000
Unrealized Gains and Losses on Available For Sale Securities [Member] \| Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Investment securities gains, net									616,000	[1]	441,000	[1]
Provision (benefit) for income taxes									-209,000	[1]	-150,000	[1]
NET INCOME									407,000	[1]	291,000	[1]
Defined Benefit Pension Items [Member] \| Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Salaries and employee benefits									51,000	[1]	257,000	[1]
Provision (benefit) for income taxes									-17,000	[1]	-87,000	[1]
NET INCOME									$34,000	[1]	$170,000	[1]

[1]	Amounts in parentheses indicate debits to profit/loss

RELATED_PARTY_TRANSACTIONS_Det

RELATED PARTY TRANSACTIONS (Details) (Officers, Directors, Stockholders and Associates [Member], USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Officers, Directors, Stockholders and Associates [Member]
Loans to Related Parties [Roll Forward]
Balance, beginning of year	$4,263	$4,349
New loans	2,212	2,119
Repayments	-2,161	-2,205
Balance, end of year	$4,314	$4,263

REGULATORY_MATTERS_Details

REGULATORY MATTERS (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
	Category	Dec. 31, 2013
Dividend Restrictions [Abstract]
Number of preceding years retained net income used for restrictions on dividend declaration	2 years
Dividends that can be declared without the approval of the Comptroller of the Currency	$9,189,000
Loans [Abstract]
Regulatory lending limit	14,625,000
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Number of capital categories	5
Total risk-based capital to average assets to be considered well capitalized, Minimum (in hundredths)	10.00%
Tier 1 risk-based capital to average assets ratio to be considered well capitalized, Minimum (in hundredths)	6.00%
Tier 1 leverage capital to average assets to be considered well capitalized, Minimum (in hundredths)	5.00%
Bank [Member]
Actual Amount [Abstract]
Total capital (to risk-weighted assets)	97,498,000	97,863,000
Tier 1 capital (to risk-weighted assets)	90,500,000	90,639,000
Tier 1 capital (to average assets)	90,500,000	90,639,000
Actual Ratio [Abstract]
Total capital (to risk-weighted assets) (in hundredths)	16.97%	17.35%
Tier 1 capital (to risk-weighted assets) (in hundredths)	15.75%	16.07%
Tier 1 capital (to average assets) (in hundredths)	10.00%	10.18%
For Capital Adequacy Purposes Amount [Abstract]
Total capital (to risk-weighted assets)	45,969,000	45,135,000
Tier 1 capital (to risk-weighted assets)	22,985,000	22,567,000
Tier 1 capital (to average assets)	36,218,000	35,615,000
For Capital Adequacy Purposes Ratio [Abstract]
Total capital (to risk-weighted assets) (in hundredths)	8.00%	8.00%
Tier 1 capital (to risk-weighted assets) (in hundredths)	4.00%	4.00%
Tier 1 capital (to average assets) (in hundredths)	4.00%	4.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions Amount [Abstract]
Total capital (to risk-weighted assets)	57,462,000	56,418,000
Tier 1 capital (to risk-weighted assets)	34,477,000	33,851,000
Tier 1 capital (to average assets)	45,273,000	44,519,000
To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio [Abstract]
Total capital (to risk-weighted assets) (in hundredths)	10.00%	10.00%
Tier 1 capital (to risk-weighted assets) (in hundredths)	6.00%	6.00%
Tier 1 capital (to average assets) (in hundredths)	5.00%	5.00%
Company [Member]
Actual Amount [Abstract]
Total capital (to risk-weighted assets)	106,891,000	100,320,000
Tier 1 capital (to risk-weighted assets)	99,692,000	92,902,000
Tier 1 capital (to average assets)	99,692,000	92,902,000
Actual Ratio [Abstract]
Total capital (to risk-weighted assets) (in hundredths)	18.55%	17.75%
Tier 1 capital (to risk-weighted assets) (in hundredths)	17.30%	16.44%
Tier 1 capital (to average assets) (in hundredths)	10.99%	10.42%
For Capital Adequacy Purposes Amount [Abstract]
Total capital (to risk-weighted assets)	46,105,000	45,211,000
Tier 1 capital (to risk-weighted assets)	23,053,000	22,606,000
Tier 1 capital (to average assets)	36,272,000	35,669,000
For Capital Adequacy Purposes Ratio [Abstract]
Total capital (to risk-weighted assets) (in hundredths)	8.00%	8.00%
Tier 1 capital (to risk-weighted assets) (in hundredths)	4.00%	4.00%
Tier 1 capital (to average assets) (in hundredths)	4.00%	4.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions Amount [Abstract]
Total capital (to risk-weighted assets)	57,631,000	56,514,000
Tier 1 capital (to risk-weighted assets)	34,579,000	33,908,000
Tier 1 capital (to average assets)	$45,341,000	$44,587,000
To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio [Abstract]
Total capital (to risk-weighted assets) (in hundredths)	10.00%	10.00%
Tier 1 capital (to risk-weighted assets) (in hundredths)	6.00%	6.00%
Tier 1 capital (to average assets) (in hundredths)	5.00%	5.00%

COMMITMENTS_AND_CONTINGENT_LIA2

COMMITMENTS AND CONTINGENT LIABILITIES (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
	Claim	Dec. 31, 2013
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contractual obligation	$119,340,000	$101,861,000
Coverage period for instruments	1 year
Non-contractual obligation	12,360,000
Number of claims pending	0
Agreement for construction of new branch	1,200,000
Commitments to Extend Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contractual obligation	108,951,000	89,847,000
Standby Letter of Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Contractual obligation	$10,389,000	$12,014,000

OPERATING_LEASES_Details

OPERATING LEASES (Details) (USD $)	12 Months Ended
OPERATING LEASES (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Future minimum rental payments under operating leases [Abstract]
2015	$122,000
2016	91,000
2017	39,000
2018	39,000
2019	39,000
Thereafter	224,000
Total	554,000
Total rental expense	$171,000	$162,000	$152,000

FAIR_VALUE_OF_FINANCIAL_INSTRU2

FAIR VALUE OF FINANCIAL INSTRUMENTS MEASURED ON A RECURRING AND NONRECURRING BASIS (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Securities available for sale [Abstract]
Securities available for sale	$306,146	$317,301
Fair value assets and liabilities measured on non-recurring basis [Abstract]
Impaired Loans	8,822	10,400
U.S. Agency Securities [Member]
Securities available for sale [Abstract]
Securities available for sale	150,885	152,189
US Treasury Securities [Member]
Securities available for sale [Abstract]
Securities available for sale	4,849	11,309
Obligations of State and Political Subdivisions [Member]
Securities available for sale [Abstract]
Securities available for sale	105,036	95,005
Corporate Obligations [Member]
Securities available for sale [Abstract]
Securities available for sale	13,958	16,802
Mortgage-Backed Securities in Government Sponsored Entities [Member]
Securities available for sale [Abstract]
Securities available for sale	29,728	40,671
Equity Securities in Financial Institutions [Member]
Securities available for sale [Abstract]
Securities available for sale	1,690	1,325
Recurring [Member] \| U.S. Agency Securities [Member]
Securities available for sale [Abstract]
Securities available for sale	150,885	152,189
Recurring [Member] \| U.S. Agency Securities [Member] \| Level I [Member]
Securities available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] \| U.S. Agency Securities [Member] \| Level II [Member]
Securities available for sale [Abstract]
Securities available for sale	150,885	152,189
Recurring [Member] \| U.S. Agency Securities [Member] \| Level III [Member]
Securities available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] \| US Treasury Securities [Member]
Securities available for sale [Abstract]
Securities available for sale	4,849	11,309
Recurring [Member] \| US Treasury Securities [Member] \| Level I [Member]
Securities available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] \| US Treasury Securities [Member] \| Level II [Member]
Securities available for sale [Abstract]
Securities available for sale	4,849	11,309
Recurring [Member] \| US Treasury Securities [Member] \| Level III [Member]
Securities available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] \| Obligations of State and Political Subdivisions [Member]
Securities available for sale [Abstract]
Securities available for sale	105,036	95,005
Recurring [Member] \| Obligations of State and Political Subdivisions [Member] \| Level I [Member]
Securities available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] \| Obligations of State and Political Subdivisions [Member] \| Level II [Member]
Securities available for sale [Abstract]
Securities available for sale	105,036	95,005
Recurring [Member] \| Obligations of State and Political Subdivisions [Member] \| Level III [Member]
Securities available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] \| Corporate Obligations [Member]
Securities available for sale [Abstract]
Securities available for sale	13,958	16,802
Recurring [Member] \| Corporate Obligations [Member] \| Level I [Member]
Securities available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] \| Corporate Obligations [Member] \| Level II [Member]
Securities available for sale [Abstract]
Securities available for sale	13,958	16,802
Recurring [Member] \| Corporate Obligations [Member] \| Level III [Member]
Securities available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] \| Mortgage-Backed Securities in Government Sponsored Entities [Member]
Securities available for sale [Abstract]
Securities available for sale	29,728	40,671
Recurring [Member] \| Mortgage-Backed Securities in Government Sponsored Entities [Member] \| Level I [Member]
Securities available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] \| Mortgage-Backed Securities in Government Sponsored Entities [Member] \| Level II [Member]
Securities available for sale [Abstract]
Securities available for sale	29,728	40,671
Recurring [Member] \| Mortgage-Backed Securities in Government Sponsored Entities [Member] \| Level III [Member]
Securities available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] \| Equity Securities in Financial Institutions [Member]
Securities available for sale [Abstract]
Securities available for sale	1,690	1,325
Recurring [Member] \| Equity Securities in Financial Institutions [Member] \| Level I [Member]
Securities available for sale [Abstract]
Securities available for sale	1,690	1,325
Recurring [Member] \| Equity Securities in Financial Institutions [Member] \| Level II [Member]
Securities available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] \| Equity Securities in Financial Institutions [Member] \| Level III [Member]
Securities available for sale [Abstract]
Securities available for sale	0	0
Nonrecurring [Member]
Fair value assets and liabilities measured on non-recurring basis [Abstract]
Impaired Loans	8,724	10,067
Other real estate owned	1,792	1,360
Nonrecurring [Member] \| Level I [Member]
Fair value assets and liabilities measured on non-recurring basis [Abstract]
Impaired Loans	0	0
Other real estate owned	0	0
Nonrecurring [Member] \| Level II [Member]
Fair value assets and liabilities measured on non-recurring basis [Abstract]
Impaired Loans	0	0
Other real estate owned	0	0
Nonrecurring [Member] \| Level III [Member]
Fair value assets and liabilities measured on non-recurring basis [Abstract]
Impaired Loans	8,724	10,067
Other real estate owned	$1,792	$1,360

FAIR_VALUE_OF_FINANCIAL_INSTRU3

FAIR VALUE OF FINANCIAL INSTRUMENTS, QUANTITATIVE INFORMATION (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Impaired Loans [Member] \| Discounted Cash Flows [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value	$230	$263
Valuation Technique(s)	Discounted Cash Flows	Discounted Cash Flows
Probability of Default (in hundredths)	0.00%	0.00%
Impaired Loans [Member] \| Discounted Cash Flows [Member] \| Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Change in interest rates (in hundredths)	0.00%	0.00%
Impaired Loans [Member] \| Discounted Cash Flows [Member] \| Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Change in interest rates (in hundredths)	5.50%	7.00%
Impaired Loans [Member] \| Discounted Cash Flows [Member] \| Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Probability of Default (in hundredths)	0.00%	0.00%
Change in interest rates (in hundredths)	1.99%	1.96%
Impaired Loans [Member] \| Appraised Collateral Values [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value	8,494	9,804
Valuation Technique(s)	Appraised Collateral Values	Appraised Collateral Values
Impaired Loans [Member] \| Appraised Collateral Values [Member] \| Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Discount for time since appraisal	0.00%	0.00%
Selling costs (in hundredths)	4.00%	4.00%
Holding period	0 months	0 months
Impaired Loans [Member] \| Appraised Collateral Values [Member] \| Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Discount for time since appraisal	30.00%	30.00%
Selling costs (in hundredths)	10.00%	10.00%
Holding period	18 months	18 months
Impaired Loans [Member] \| Appraised Collateral Values [Member] \| Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Discount for time since appraisal	22.00%	19.02%
Selling costs (in hundredths)	8.55%	8.41%
Holding period	15 months	14 months
Other Real Estate Owned [Member] \| Appraised Collateral Values [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value	$1,792	$1,360
Valuation Technique(s)	Appraised Collateral Values	Appraised Collateral Values
Other Real Estate Owned [Member] \| Appraised Collateral Values [Member] \| Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Discount for time since appraisal	0.00%	0.00%
Selling costs (in hundredths)	4.00%	4.00%
Holding period	0 months	0 months
Other Real Estate Owned [Member] \| Appraised Collateral Values [Member] \| Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Discount for time since appraisal	20.00%	20.00%
Selling costs (in hundredths)	10.00%	10.00%
Holding period	18 months	18 months
Other Real Estate Owned [Member] \| Appraised Collateral Values [Member] \| Weighted Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Discount for time since appraisal	20.00%	20.00%
Selling costs (in hundredths)	9.00%	9.00%
Holding period	12 months	12 months

FAIR_VALUE_OF_FINANCIAL_INSTRU4

FAIR VALUE OF FINANCIAL INSTRUMENTS BY BALANCE SHEET GROUPING (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Financial Assets [Abstract]
Available-for-sale securities	$306,146	$317,301
Carrying Amount [Member]
Financial Assets [Abstract]
Cash and cash equivalents	11,423	10,083
Interest bearing time deposits with other banks	5,960	2,480
Available-for-sale securities	306,146	317,301
Loans held for sale	497	278
Net loans	547,290	533,514
Bank owned life insurance	20,309	14,679
Regulatory stock	2,035	3,926
Accrued interest receivable	3,644	3,728
Financial Liabilities [Abstract]
Deposits	773,933	748,316
Borrowed funds	41,799	66,932
Accrued interest payable	756	895
Fair Value [Member]
Financial Assets [Abstract]
Cash and cash equivalents	11,423	10,083
Interest bearing time deposits with other banks	5,969	2,474
Available-for-sale securities	306,146	317,301
Loans held for sale	497	278
Net loans	564,944	547,405
Bank owned life insurance	20,309	14,679
Regulatory stock	2,035	3,926
Accrued interest receivable	3,644	3,728
Financial Liabilities [Abstract]
Deposits	774,387	750,172
Borrowed funds	38,219	63,500
Accrued interest payable	756	895
Level I [Member]
Financial Assets [Abstract]
Cash and cash equivalents	11,423	10,083
Available-for-sale securities	1,690	1,325
Loans held for sale	497	278
Net loans	0	0
Bank owned life insurance	20,309	14,679
Regulatory stock	2,035	3,926
Accrued interest receivable	3,644	3,728
Financial Liabilities [Abstract]
Deposits	525,166	481,957
Borrowed funds	16,593	42,954
Accrued interest payable	756	895
Level II [Member]
Financial Assets [Abstract]
Cash and cash equivalents	0	0
Available-for-sale securities	304,456	315,976
Net loans	0	0
Bank owned life insurance	0	0
Regulatory stock	0	0
Accrued interest receivable	0	0
Financial Liabilities [Abstract]
Deposits	0	0
Borrowed funds	0	0
Accrued interest payable	0	0
Level III [Member]
Financial Assets [Abstract]
Cash and cash equivalents	0	0
Interest bearing time deposits with other banks	5,969	2,474
Available-for-sale securities	0	0
Net loans	564,944	547,405
Bank owned life insurance	0	0
Regulatory stock	0	0
Accrued interest receivable	0	0
Financial Liabilities [Abstract]
Deposits	249,221	268,215
Borrowed funds	21,626	20,546
Accrued interest payable	$0	$0

CONDENSED_FINANCIAL_INFORMATIO2

CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY (Details) (USD $)	3 Months Ended								12 Months Ended
	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Assets [Abstract]
Cash	$10,091,000				$8,899,000				$10,091,000	$8,899,000
Available-for-sale securities	306,146,000				317,301,000				306,146,000	317,301,000
Investments in subsidiary [Abstract]
Other assets	7,166,000				11,510,000				7,166,000	11,510,000
TOTAL ASSETS	925,048,000				914,934,000				925,048,000	914,934,000
Liabilities [Abstract]
Other liabilities	8,032,000				6,735,000				8,032,000	6,735,000
Borrowed funds	41,799,000				66,932,000				41,799,000	66,932,000
TOTAL LIABILITIES	824,520,000				822,878,000				824,520,000	822,878,000
Stockholders' equity	100,528,000				92,056,000				100,528,000	92,056,000	89,475,000	81,468,000
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	925,048,000				914,934,000				925,048,000	914,934,000
Dividends from [Abstract]
TOTAL INTEREST AND DIVIDEND INCOME	8,813,000	8,808,000	8,889,000	8,781,000	8,980,000	9,307,000	8,948,000	8,999,000	35,291,000	36,234,000	38,085,000
Investment securities losses, net	128,000	242,000	75,000	171,000	56,000	91,000	98,000	196,000	616,000	441,000	604,000
Expenses									4,962,000	4,784,000	4,773,000
NET INCOME	3,476,000	3,368,000	3,365,000	3,176,000	3,296,000	3,512,000	3,280,000	3,287,000	13,385,000	13,375,000	14,215,000
Comprehensive income									15,377,000	7,519,000	13,897,000
Cash flows from operating activities:
Net income	3,476,000	3,368,000	3,365,000	3,176,000	3,296,000	3,512,000	3,280,000	3,287,000	13,385,000	13,375,000	14,215,000
Adjustments to reconcile net income to net cash provided by operating activities:
Investment securities (gains) losses, net	-128,000	-242,000	-75,000	-171,000	-56,000	-91,000	-98,000	-196,000	-616,000	-441,000	-604,000
Other, net									322,000	217,000	382,000
Net cash provided by operating activities									16,178,000	17,817,000	14,811,000
Cash flows from investing activities:
Purchases of available-for-sale securities									-56,257,000	-123,488,000	-130,966,000
Proceeds from the sale of available-for-sale securities									28,989,000	25,461,000	20,619,000
Net cash used in investing activities									-8,217,000	-60,937,000	-8,166,000
Cash flows from financing activities:
Cash dividends paid									-6,121,000	-3,558,000	-4,601,000
Purchase of treasury stock									-814,000	-1,483,000	-1,348,000
Purchase of restricted stock									-170,000	-115,000	-142,000
Net cash provided by (used in) financing activities									-6,621,000	26,870,000	-10,744,000
Net decrease in cash									1,340,000	-16,250,000	-4,099,000
Cash at beginning of year	11,423,000				10,083,000				11,423,000	10,083,000	26,333,000	30,432,000
Cash at end of year	11,423,000				10,083,000				11,423,000	10,083,000	26,333,000	30,432,000
Company [Member]
Assets [Abstract]
Cash	7,911,000				1,611,000				7,911,000	1,611,000
Available-for-sale securities	1,556,000				914,000				1,556,000	914,000
Investments in subsidiary [Abstract]
First Citizens Community Bank	98,542,000				97,024,000				98,542,000	97,024,000
Other assets	511,000				459,000				511,000	459,000
TOTAL ASSETS	108,520,000				100,008,000				108,520,000	100,008,000
Liabilities [Abstract]
Other liabilities	492,000				452,000				492,000	452,000
Borrowed funds	7,500,000				7,500,000				7,500,000	7,500,000
TOTAL LIABILITIES	7,992,000				7,952,000				7,992,000	7,952,000
Stockholders' equity	100,528,000				92,056,000				100,528,000	92,056,000
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	108,520,000				100,008,000				108,520,000	100,008,000
Dividends from [Abstract]
Bank subsidiary									14,332,000	4,142,000	5,045,000
Available-for-sale securities									56,000	51,000	51,000
TOTAL INTEREST AND DIVIDEND INCOME									14,388,000	4,193,000	5,096,000
Investment securities losses, net									0	183,000	58,000
Expenses									555,000	638,000	611,000
Income before equity in undistributed earnings of subsidiary									13,833,000	3,738,000	4,543,000
Equity in undistributed earnings - First Citizens Community Bank									-448,000	9,637,000	9,672,000
NET INCOME									13,385,000	13,375,000	14,215,000
Comprehensive income									15,377,000	7,519,000	13,897,000
Cash flows from operating activities:
Net income									13,385,000	13,375,000	14,215,000
Adjustments to reconcile net income to net cash provided by operating activities:
Equity in undistributed earnings of subsidiaries									448,000	-9,637,000	-9,672,000
Investment securities (gains) losses, net									0	-183,000	-58,000
Other, net									174,000	309,000	394,000
Net cash provided by operating activities									14,007,000	3,864,000	4,879,000
Cash flows from investing activities:
Purchases of available-for-sale securities									-602,000	-1,000	-141,000
Proceeds from the sale of available-for-sale securities									0	538,000	110,000
Net cash used in investing activities									-602,000	537,000	-31,000
Cash flows from financing activities:
Cash dividends paid									-6,121,000	-3,558,000	-4,601,000
Purchase of treasury stock									-814,000	-1,483,000	-1,348,000
Purchase of restricted stock									-170,000	-115,000	-142,000
Net cash provided by (used in) financing activities									-7,105,000	-5,156,000	-6,091,000
Net decrease in cash									6,300,000	-755,000	-1,243,000
Cash at beginning of year	7,911,000				1,611,000				7,911,000	1,611,000	2,366,000	3,609,000
Cash at end of year	$7,911,000				$1,611,000				$7,911,000	$1,611,000	$2,366,000	$3,609,000

CONSOLIDATED_CONDENSED_QUARTER2

CONSOLIDATED CONDENSED QUARTERLY DATA (UNAUDITED) (Details) (USD $)	3 Months Ended								12 Months Ended
	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
CONSOLIDATED CONDENSED QUARTERLY DATA (UNAUDITED) [Abstract]
Interest income	$8,813,000	$8,808,000	$8,889,000	$8,781,000	$8,980,000	$9,307,000	$8,948,000	$8,999,000	$35,291,000	$36,234,000	$38,085,000
Interest expense	1,211,000	1,234,000	1,239,000	1,269,000	1,470,000	1,562,000	1,597,000	1,686,000	4,953,000	6,315,000	7,659,000
Net interest income	7,602,000	7,574,000	7,650,000	7,512,000	7,510,000	7,745,000	7,351,000	7,313,000	30,338,000	29,919,000	30,426,000
Provision for loan losses	105,000	150,000	150,000	180,000	90,000	90,000	75,000	150,000	585,000	405,000	420,000
Non-interest income	1,762,000	1,682,000	1,680,000	1,616,000	1,856,000	1,760,000	1,680,000	1,686,000	7,356,000	7,423,000	7,968,000
Investment securities gains, net	128,000	242,000	75,000	171,000	56,000	91,000	98,000	196,000	616,000	441,000	604,000
Non-interest expenses	5,007,000	5,067,000	5,000,000	5,091,000	5,126,000	4,965,000	4,867,000	4,852,000	20,165,000	19,810,000	19,428,000
Income before provision for income taxes	4,380,000	4,281,000	4,255,000	4,028,000	4,206,000	4,541,000	4,187,000	4,193,000	16,944,000	17,127,000	18,546,000
Provision for income taxes	904,000	913,000	890,000	852,000	910,000	1,029,000	907,000	906,000	3,559,000	3,752,000	4,331,000
NET INCOME	$3,476,000	$3,368,000	$3,365,000	$3,176,000	$3,296,000	$3,512,000	$3,280,000	$3,287,000	$13,385,000	$13,375,000	$14,215,000
Earnings Per Share Basic (in dollars per share)	$1.14	$1.11	$1.11	$1.05	$1.08	$1.15	$1.07	$1.08	$4.41	$4.38	$4.61
Earnings Per Share Diluted (in dollars per share)	$1.14	$1.11	$1.11	$1.04	$1.08	$1.15	$1.07	$1.08	$4.40	$4.38	$4.60