F & M Bank (FMBM) 10-Q 14 May 14 2014 Q1 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information	3 Months Ended
	Mar. 31, 2014	14-May-14
Document And Entity Information	'	'
Entity Registrant Name	'F&M BANK CORP	'
Entity Central Index Key	'0000740806	'
Document Type	'10-Q	'
Document Period End Date	31-Mar-14	'
Amendment Flag	'false	'
Current Fiscal Year End Date	'--12-31	'
Is Entity a Well-known Seasoned Issuer?	'No	'
Is Entity a Voluntary Filer?	'No	'
Is Entity's Reporting Status Current?	'Yes	'
Entity Filer Category	'Smaller Reporting Company	'
Entity Common Stock, Shares Outstanding	'	3,287,528
Document Fiscal Period Focus	'Q1	'
Document Fiscal Year Focus	'2014	'

Consolidated_Statements_of_Inc

Consolidated Statements of Income (Unaudited) (USD $)	3 Months Ended
In Thousands, except Share data, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Interest income	'	'
Interest and fees on loans held for investment	$6,226	$6,056
Interest and fees on loans held for sale	15	489
Interest on federal funds sold	12	10
Interest on interest bearing deposits	'	1
Interest on debt securities	38	43
Total interest income	6,291	6,599
Interest expense	'	'
Interest on demand deposits	167	189
Interest on savings accounts	28	50
Interest on time deposits over $100,000	158	207
Interest on other time deposits	304	427
Total interest on deposits	657	873
Interest on short-term debt	2	17
Interest on long-term debt	291	388
Total interest expense	950	1,278
Net interest income	5,341	5,321
Provision for loan losses	750	900
Net interest income after provision for loan losses	4,591	4,421
Noninterest income	'	'
Service charges	257	261
Insurance and other commissions	22	183
Other	381	324
Income on bank owned life insurance	116	126
Total noninterest income	776	894
Noninterest expense	'	'
Salaries	1,655	1,566
Employee benefits	520	576
Occupancy expense	160	160
Equipment expense	144	135
FDIC insurance assessment	180	202
Other	1,079	964
Total noninterest expense	3,738	3,603
Income before income taxes	1,629	1,712
Income tax expense	476	468
Consolidated net income	1,153	1,244
Net income - Noncontrolling interest (income) loss	30	-28
Net Income - F & M Bank Corp	$1,183	$1,216
Per share data	'	'
Net income (basic and dilutive)	$0.46	$0.49
Cash dividends	$0.17	$0.17
Weighted average shares outstanding	2,598,639	2,500,473

Consolidated_Statements_of_Com

Consolidated Statements of Comprehensive Income (Unaudited) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Consolidated Statements Of Comprehensive Income	'	'
Net Income - F & M Bank Corp	$1,183	$1,216
Net Income (loss) attributable to noncontrolling interest	-30	28
Total Net Income:	1,153	1,244
Unrealized holding gains (losses) on available-for-sale securities:	18	-21
Tax Expense (benefit)	6	-7
Unrealized holding gain (loss), net of tax	12	-14
Total other comprehensive income (loss)	12	-14
Comprehensive income	$1,165	$1,230

Consolidated_Balance_Sheets

Consolidated Balance Sheets (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Assets	'	'
Cash and due from banks	$7,189	$5,835
Money market funds	842	708
Federal funds sold	27,988	2
Cash and cash equivalents	36,019	6,545
Securities:	'	'
Held to maturity – fair value of $106 in 2014 and 2013	106	106
Available for sale	11,241	30,266
Other investments	8,044	8,114
Loans held for sale	5,578	3,804
Loans held for investment	486,327	478,453
Less allowance for loan losses	-8,009	-8,184
Net loans held for investment	478,318	470,269
Other real estate owned	2,437	2,628
Bank premises and equipment, net	6,514	6,525
Interest receivable	1,513	1,498
Goodwill	2,670	2,670
Bank owned life insurance	12,236	12,122
Other assets	8,468	8,241
Total assets	573,144	552,788
Liabilities	'	'
Noninterest bearing	100,084	92,397
Interest bearing:	'	'
Demand	94,117	92,562
Money market accounts	25,560	24,894
Savings	58,280	58,292
Time deposits over $100,000	69,340	69,674
All other time deposits	124,163	126,330
Total deposits	471,544	464,149
Short-term debt	3,697	3,423
Accrued liabilities	9,344	9,384
Subordinated debt	10,191	10,191
Long-term debt	11,500	11,500
Total liabilities	506,276	498,647
Stockholders' Equity	'	'
Common stock, $5 par value, 6,000,000 shares authorized, 3,287,470 and 2,511,735 shares issued and outstanding in 2014 and 2013, respectively	16,437	12,559
Retained earnings	50,993	42,089
Noncontrolling interest	351	418
Accumulated other comprehensive loss	-913	-925
Total stockholders' equity	66,868	54,141
Total liabilities and stockholders' equity	$573,144	$552,788

Consolidated_Balance_Sheets_Pa

Consolidated Balance Sheets (Parenthetical) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, except Share data, unless otherwise specified
Assets	'	'
Held to maturity - fair value	$106	$106
STOCKHOLDERS EQUITY:	'	'
Common stock, par value	$5	$5
Common stock shares authorized	6,000,000	6,000,000
Common stock shares issued	3,287,470	2,511,735
Common stock shares outstanding	3,287,470	2,511,735

Consolidated_Statements_of_Cas

Consolidated Statements of Cash Flows (Unaudited) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Cash flows from operating activities	'	'
Net income	$1,183	$1,216
Adjustments to reconcile net income to net cash provided by operating activities:	'	'
Depreciation	148	150
Amortization of security premiums, net	24	9
Loans held for sale originated	-7,222	-21,708
Sale of loans held for sale originated	8,629	28,623
Provision for loan losses	750	900
(Increase) decrease in interest receivable	-15	-4
(Increase) decrease in other assets	-356	38
Increase (decrease) in accrued expenses	55	-363
Amortization of limited partnership investments	152	150
Income from life insurance investment	-116	-126
Gain on Other Real Estate Owned	-1	'
Net adjustments	2,048	7,669
Net cash provided by operating activities	3,231	8,885
Cash flows from investing activities	'	'
Purchase of investments available for sale	-4,108	-4,002
Proceeds from maturity of investments available for sale	23,009	3,539
Net (increase) decrease in loans held for investment	-9,009	-934
Net (increase) decrease in loans held for sale participations	-3,181	49,161
Proceeds from the sale of other real estate owned	401	331
Purchase of property and equipment	-137	-88
Net cash provided by investing activities	6,975	48,007
Cash flows from financing activities	'	'
Net change in demand and savings deposits	9,895	5,792
Net change in time deposits	-2,500	-609
Net change in short-term debt	274	-31,425
Cash dividends paid	-427	-425
Proceeds from issuance of common stock	12,026	26
Repayment of long-term debt	'	-5,429
Net cash provided by (used in) financing activities	19,268	-32,070
Net increase in Cash and cash equivalents	29,474	24,822
Cash and cash equivalents, beginning of period	6,545	8,997
Cash and cash equivalents, end of period	36,019	33,819
Supplemental disclosure	'	'
Cash paid for Interest expense	981	1,237
Cash paid for Income taxes	'	'
Transfers from loans to Other Real Estate Owned	397	216
Noncash exchange of other real estate owned	($188)	'

Consolidated_Statements_of_Cha

Consolidated Statements of Changes in Stockholders' Equity (Unaudited) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Consolidated Statements Of Changes In Stockholders Equity	'	'
Balance, beginning of period	$54,141	$49,384
Comprehensive income	'	'
Net income - F & M Bank Corp	1,183	1,216
Net income attributable to noncontrolling interest	-30	28
Net change in unrealized appreciation on securities available for sale, net of taxes	12	-14
Total comprehensive income	1,165	1,230
Minority Interest Capital Distributions	-37	-51
Issuance of common stock	12,026	26
Dividends declared	-427	-425
Balance, end of period	$66,868	$50,164

1_Accounting_Principles

1. Accounting Principles	3 Months Ended
	Mar. 31, 2014
Accounting Principles	'
1. Accounting Principles	'
	Note 1.    Accounting Principles
	The consolidated financial statements include the accounts of F & M Bank Corp. and its subsidiaries (the “Company”).  Significant intercompany accounts and transactions have been eliminated in consolidation.
	The consolidated financial statements conform to accounting principles generally accepted in the United States of America and to general industry practices.  In the opinion of management, the accompanying unaudited consolidated financial statements contain all adjustments (consisting of only normal recurring accruals) necessary to present fairly the financial position as of March 31, 2014 and the results of operations for the quarters ended March 31, 2014 and 2013.  The notes included herein should be read in conjunction with the notes to financial statements included in the 2013 annual report to shareholders of F & M Bank Corp.
	The Company does not expect the anticipated adoption of any newly issued accounting standards to have a material impact on future operations or financial position.
	Comprehensive Income
	Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income.  Certain changes in assets and liabilities, such as unrealized gains and losses on available for sale securities and gains or losses on certain derivative contracts, are reported as a separate component of the equity section of the balance sheet. Such items, along with operating net income, are components of comprehensive income.
	Subsequent Events
	In preparing these financial statements, the Company has evaluated events and transactions for potential recognition or disclosure through the date the financial statements were issued.
	Loans
	Loans are carried on the balance sheet net of any unearned interest and the allowance for loan losses.  Interest income on loans is determined using the effective interest method on the daily amount of principal outstanding except where serious doubt exists as to collectability of the loan, in which case the accrual of income is discontinued.
	Allowance for Loan Losses
	The provision for loan losses charged to operations is an amount sufficient to bring the allowance for loan losses to an estimated balance that management considers adequate to absorb potential losses in the portfolio.  Loans are charged against the allowance when management believes the collectability of the principal is unlikely.  Recoveries of amounts previously charged-off are credited to the allowance. Management’s determination of the adequacy of the allowance is based on an evaluation of the composition of the loan portfolio, the value and adequacy of collateral, current economic conditions, historical loan loss experience, and other risk factors.  Management believes that the allowance for loan losses is adequate.  While management uses available information to recognize losses on loans, future additions to the allowance may be necessary based on changes in economic conditions, particularly those affecting real estate values.  In addition, regulatory agencies, as an integral part of their examination process, periodically review the Company’s allowance for loan losses.  Such agencies may require the Company to recognize additions to the allowance based on their judgments about information available to them at the time of their examination.
	9
	F & M BANK CORP.
	Notes to (unaudited) Consolidated Financial Statements
	Note 1.    Accounting Principles, continued
	Allowance for Loan Losses, continued
	A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement.  Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due.  Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired.  Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed.  Impairment is measured on a loan by loan basis for commercial and construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral dependent.
	Nonaccrual Loans
	Loans are placed on nonaccrual status when they become ninety days or more past due, unless there is an expectation that the loan will either be brought current or paid in full in a reasonable period of time.

2_Investment_Securities

2. Investment Securities	3 Months Ended
	Mar. 31, 2014
Investment Securities	'
2. Investment Securities	'
	Note 2.    Investment Securities
	Investment securities available for sale are carried in the consolidated balance sheets at their approximate market value, amortized cost and unrealized gains and losses at March 31, 2014 and December 31, 2013 are reflected in the table below.  The amortized costs of investment securities held to maturity are carried in the consolidated balance sheets and their approximate market values at March 31, 2014 and December 31, 2013 are as follows:
		2014					2013
				Market					Market
		Cost		Value			Cost		Value
	Securities held to maturity
	U. S. Treasury and agency obligations	$	106	$	106		$	106	$	106
	Total	$	106	$	106		$	106	$	106
		31-Mar-14
				Unrealized					Market
		Cost		Gains			Losses		Value
	Securities available for sale
	Government sponsored enterprises	$	10,080	$	19		$	24	$	10,075
	Mortgage-backed securities		1,161		5			-		1,166
	Total	$	11,241	$	24		$	24	$	11,241
		31-Dec-13
				Unrealized					Market
		Cost		Gains			Losses		Value
	Securities available for sale
	Government sponsored enterprises	$	29,076	$	11		$	22	$	29,065
	Mortgage-backed securities		1,209		-			8		1,201
	Total	$	30,285	$	11		$	30	$	30,266
	The amortized cost and fair value of securities at March 31, 2014, by contractual maturity are shown below.  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.
		Securities Held to Maturity					Securities Available for Sale
		Amortized		Fair			Amortized		Fair
		Cost		Value			Cost		Value
	Due in one year or less	$	106	$	106		$	2,002	$	1,999
	Due after one year through five years		-		-			8,078		8,076
	Due after five years		-		-			1,161		1,166
	Total	$	106	$	106		$	11,241	$	11,241
	There were no gains and losses on sales of securities in the first quarter of 2014 or 2013.  There were also no securities with an Other than temporary impairment.
	The fair value and gross unrealized losses for securities, segregated by the length of time that individual securities have been in a continuous gross unrealized loss position, at March 31, 2014 and December 31, 2013 were as follows (dollars in thousands):
		Less than 12 Months					More than 12 Months				Total
		Fair Value		Unrealized Losses			Fair Value		Unrealized Losses		Fair Value		Unrealized Losses
	31-Mar-14
	Government sponsored Enterprises	$	5,985	$	(24	)	$	-	$	-	$	5,985	$	(24	)
	Total	$	5,985	$	(24	)	$	-	$	-	$	5,985	$	(24	)
	31-Dec-13
	Government sponsored Enterprises	$	4,984	$	(22	)	$	-	$	-	$	4,984	$	(22	)
	Mortgage backed obligations		1,191		(8	)		-		-		1,191		(8	)
	Total	$	6,175	$	(30	)	$	-	$	-	$	6,175	$	(30	)
	Other investments, which consist of stock of correspondent banks and investments in low income housing projects, decreased since December 31, 2013.  This decrease is due to FHLB stock repurchases during the first quarter which were partially offset with an increase in the Federal Reserve Bank Stock holding requirement.

3_Loans_Held_for_Investment

3. Loans Held for Investment	3 Months Ended
	Mar. 31, 2014
Loans Held For Investment	'
3. Loans Held for Investment	'
		2014		2013
	Construction/Land Development	$	70,648	$	68,512
	Farmland		12,532		13,197
	Real Estate		155,774		154,628
	Multi-Family		11,693		11,797
	Commercial Real Estate		116,583		113,415
	Home Equity – closed end		9,451		10,228
	Home Equity – open end		47,187		47,358
	Commercial & Industrial – Non-Real Estate		25,953		25,903
	Consumer		8,847		10,163
	Dealer Finance		25,253		20,572
	Credit Cards		2,406		2,680
	Total	$	486,327	$	478,453
	Loans outstanding at March 31, 2014 and December 31, 2013 are summarized as follows:
	The following is a summary of information pertaining to impaired loans (in thousands):
				Unpaid				Average		Interest
	March 31, 2014	Recorded		Principal		Related		Recorded		Income
		Investment		Balance		Allowance		Investment		Recognized
	Impaired loans without a valuation allowance:
	Construction/Land Development	$	6,898	$	6,898	$	-	$	5,781	$	29
	Farmland		1,457		1,457		-		1,470		12
	Real Estate		48		48		-		394		1
	Multi-Family		-		-		-		-		-
	Commercial Real Estate		1,457		1,457		-		799		23
	Home Equity – closed end		308		308		-		283		6
	Home Equity – open end		-		-		-		20		-
	Commercial & Industrial – Non-Real Estate		279		279		-		116		4
	Consumer		-		-		-		-		-
	Credit cards		-		-		-		-		-
	Dealer Finance		-		-		-		-		-
			10,447		10,447				8,865		75
	Impaired loans with a valuation allowance
	Construction/Land Development		11,408		10,738		1,604		10,510		55
	Farmland		-		-		-		-		-
	Real Estate		1,036		1,036		157		901		7
	Multi-Family		-		-		-		-		-
	Commercial Real Estate		1,047		1,047		214		1,168		2
	Home Equity – closed end		180		180		22		340		8
	Home Equity – open end		100		100		12		90		-
	Commercial & Industrial – Non-Real Estate		-		-		-		141		-
	Consumer		-		-		-		1		-
	Credit cards		-		-		-		-		-
	Dealer Finance		-		-		-		-		-
			13,771		13,101		2,009		13,151		72
	Total impaired loans	$	24,218	$	23,548	$	2,009	$	20,014	$	147
	The Recorded Investment is defined as the principal balance less principal payments and charge-offs.
				Unpaid				Average		Interest
	December 31, 2013	Recorded		Principal		Related		Recorded		Income
		Investment		Balance		Allowance		Investment		Recognized
	Impaired loans without a valuation allowance:
	Construction/Land Development	$	3,960	$	4,543	$	-	$	5,750	$	153
	Farmland		1,459		1,459		-		1,475		67
	Real Estate		49		49		-		529		3
	Multi-Family		-		-		-		-		-
	Commercial Real Estate		851		851		-		616		56
	Home Equity – closed end		308		308		-		284		25
	Home Equity – open end		-		-		-		20		-
	Commercial & Industrial – Non-Real Estate		242		242		-		64		12
	Consumer		-		-		-		-		-
	Credit cards		-		-		-		-		-
	Dealer Finance		-		-		-		-		-
			6,869		7,452				8,738		316
	Impaired loans with a valuation allowance
Construction/Land Development		8,291		9,716		1,560		10,855		175
Farmland		-		-		-		-		-
Real Estate		1,145		1,145		154		966		48
Multi-Family		-		-		-		-		-
Commercial Real Estate		818		1,118		282		1,171		4
Home Equity – closed end		180		180		17		409		3
Home Equity – open end		100		100		9		93		5
Commercial & Industrial – Non-Real Estate		-		-		-		141		-
Consumer		2		2		-		1		1
Credit cards		-		-		-		-		-
Dealer Finance		-		-		-		-		-
		10,536		12,261		2,022		13,636		236
Total impaired loans	$	17,405	$	19,713	$	2,022	$	22,374	$	552

4_Allowance_for_Loan_Losses

4. Allowance for Loan Losses	3 Months Ended
	Mar. 31, 2014
Allowance For Loan Losses	'
4. Allowance for Loan Losses	'
	Note 4.    Allowance for Loan Losses
	A summary of the allowance for loan losses follows:
	March 31, 2014  (in thousands)	Beginning Balance			Charge-offs		Recoveries		Provision			Ending Balance			Percentage of loans in each category to total			Individually Evaluated for Impairment		Collectively Evaluated for Impairment
	Allowance for loan losses:
	Construction/Land Development	$	4,007		$	671	$	12	$	557		$	3,905			48.76	%	$	1,604	$	2,301
	Farmland		(2	)		-		-		-			(2	)		(.03	%)		-		(2	)
	Real Estate		400			-		-		(22	)		378			4.72	%		157		221
	Multi-Family		-			-		-		-			-						-		-
	Commercial Real Estate		777			-		11		(81	)		707			8.82	%		214		493
	Home Equity – closed end		157			-		-		(10	)		147			1.84	%		22		125
	Home Equity – open end		476			29		-		18			465			5.81	%		12		453
	Commercial & Industrial – Non-Real Estate		1,464			242		17		187			1,426			17.8	%		-		1,426
	Consumer		156			30		5		(3	)		128			1.6	%		-		128
	Dealer Finance		628			-		-		121			749			9.36	%		-		749
	Credit Cards		121			14		16		(17	)		106			1.32	%		-		106
	Unallocated		-			-		-		-			-			-			-		-
	Total	$	8,184		$	986	$	61	$	750		$	8,009			100	%	$	2,009	$	6,000
	December 31, 2013  (in thousands)	Beginning Balance			Charge-offs		Recoveries		Provision			Ending Balance			Percentage of loans in each category to total			Individually Evaluated for Impairment		Collectively Evaluated for Impairment
	Allowance for loan losses:
	Construction/Land Development	$	2,771		$	2,127	$	40	$	3,323		$	4,007			48.96	%	$	1,560	$	2,447
	Farmland		(2	)		-		-		-			(2	)		(.03	%)		-		(2	)
	Real Estate		924			173		-		(351	)		400			4.89	%		154		246
	Multi-Family		(37	)		-		-		37			-			-			-		-
	Commercial Real Estate		1,113			201		42		(177	)		777			9.49	%		282		495
	Home Equity – closed end		360			159		-		(44	)		157			1.92	%		17		140
	Home Equity – open end		659			68		29		(144	)		476			5.82	%		9		467
	Commercial & Industrial – Non-Real Estate		2,113			986		127		210			1,464			17.89	%		-		1,464
	Consumer		51			173		14		264			156			1.91	%		-		156
	Dealer Finance		72			17		-		573			628			7.68	%		-		628
	Credit Cards		130			121		28		84			121			1.48	%		-		121
	Unallocated		-			-		-		-			-			-			-		-
	Total	$	8,154		$	4,025	$	280	$	3,775		$	8,184			100	%	$	2,022	$	6,162
	Recorded Investment in Loan Receivables (in thousands)
	31-Mar-14	Loan Receivable			Individually Evaluated for Impairment		Collectively Evaluated for Impairment
	Construction/Land Development	$	70,648		$	18,306	$	52,342
	Farmland		12,532			1,457		11,075
	Real Estate		155,774			1,084		154,690
	Multi-Family		11,693			-		11,693
	Commercial Real Estate		116,583			2,504		114,079
	Home Equity – closed end		9,451			488		8,963
	Home Equity –open end		47,187			100		47,087
	Commercial & Industrial – Non-Real Estate		25,953			279		25,674
	Consumer		8,847			-		8,847
	Dealer Finance		25,253			-		25,253
	Credit Cards		2,406			-		2,406
		$	486,327		$	24,218	$	462,108
	Total
	31-Dec-13	Loan Receivable			Individually Evaluated for Impairment		Collectively Evaluated for Impairment
	Construction/Land Development	$	68,512		$	14,259	$	54,253
	Farmland		13,197			1,459		11,738
	Real Estate		154,628			1,194		153,434
	Multi-Family		11,797			-		11,797
	Commercial Real Estate		113,415			1,969		111,446
	Home Equity – closed end		10,228			488		9,740
	Home Equity –open end		47,358			100		47,258
	Commercial & Industrial – Non-Real Estate		25,903			242		25,661
	Consumer		10,163			2		10,161
	Dealer Finance		20,572					20,572
	Credit Cards		2,680			-		2,680
		$	478,453		$	19,713	$	458,740
	Total
	Aging of Past Due Loans Receivable (in thousands) as of March 31, 2014
		30-59 Days Past due			60-89 Days Past Due		Greater than 90 Days (excluding non-accrual)		Non-Accrual Loans			Total Past Due			Current			Total Loan Receivable
31-Mar-14
Construction/Land Development	$	1,073		$	2,374	$	-	$	7,935		$	11,382		$	59,266		$	70,648
Farmland		98			-		-		-			98			12,434			12,532
Real Estate		4,337			646		-		1,291			6,274			149,500			155,774
Multi-Family		-			-		-		-			-			11,693			11,693
Commercial Real Estate		2,268			-		-		1,287			3,555			113,028			116,583
Home Equity – closed end		18			-		-		171			189			9,262			9,451
Home Equity – open end		609			25		10		119			763			46,424			47,187
Commercial & Industrial – Non- Real Estate		1,412			14		-		176			1,602			24,351			25,953
Consumer		153			54		4		-			211			8,636			8,847
Dealer Finance		304			78		58		-			440			24,813			25,253
Credit Cards		6			3		7		-			16			2,390			2,406
Total	$	10,278		$	3,194	$	79	$	10,979		$	24,530		$	461,797		$	486,327
Aging of Past Due Loans Receivable (in thousands) as of December 31, 2013
	30-59 Days Past due			60-89 Days Past Due		Greater than 90 Days (excluding non-accrual)		Non-Accrual Loans			Total Past Due			Current			Total Loan Receivable
31-Dec-13
Construction/Land Development	$	167		$	735	$	-	$	8,556		$	9,458		$	59,054		$	68,512
Farmland		-			-		-		-			-			13,197			13,197
Real Estate		4,659			920		246		1,407			7,232			147,396			154,628
Multi-Family		107			-		-		-			107			11,690			11,797
Commercial Real Estate		858			-		-		1,474			2,332			111,083			113,415
Home Equity – closed end		122			79		10		180			391			9,837			10,228
Home Equity – open end		549			39		51		222			861			46,497			47,358
Commercial & Industrial – Non- Real Estate		148			20		4		416			588			25,315			25,903
Consumer		169			71		5		-			245			9,918			10,163
Dealer Finance		335			72		11		-			418			20,154			20,572
Credit Cards		21			3		-		-			24			2,656			2,680
Total	$	7,135		$	1,939	$	327	$	12,255		$	21,656		$	456,797		$	478,453
CREDIT QUALITY INDICATORS (in thousands)
AS OF MARCH 31, 2014
Corporate Credit Exposure
Credit Risk Profile by Creditworthiness Category
	Grade 1 Minimal Risk			Grade 2 Modest Risk		Grade 3 Average Risk		Grade 4 Acceptable Risk			Grade 5 Marginally Acceptable			Grade 6 Watch			Grade 7 Substandard		Grade 8 Doubtful			Total
Construction/Land Development	$	-		$	-	$	5,734	$	25,374		$	11,206		$	1,257		$	27,077	$	-		$	70,648
Farmland		68			-		1,358		4,103			5,449			-			1,554		-			12,532
Real Estate		-			555		68,256		52,815			19,864			6,066			8,218		-			155,774
Multi-Family		-			649		4,382		2,041			4,621						-		-			11,693
Commercial Real Estate		-			1,554		23,899		56,142			20,577			12,241			2,170		-			116,583
Home Equity – closed end		-			-		4,483		3,064			1,418			246			240		-			9,451
Home Equity – open end		-			1,574		12,861		26,189			5,756			306			501		-			47,187
Commercial & Industrial (Non-Real Estate)		777			120		4,272		15,165			2,936			2,454			229		-			25,953
Total	$	845		$	4,452	$	125,245	$	184,893		$	71,827		$	22,570		$	39,989	$	-		$	449,821
Consumer Credit Exposure
Credit Risk Profile Based on Payment Activity
	Credit Cards			Consumer
Performing	$	2,399		$	34,038
Non performing		7			62
Total	$	2,406		$	34,100
CREDIT QUALITY INDICATORS (in thousands)
AS OF DECEMBER 31, 2013
Corporate Credit Exposure
Credit Risk Profile by Creditworthiness Category
	Grade 1 Minimal Risk			Grade 2 Modest Risk		Grade 3 Average Risk		Grade 4 Acceptable Risk			Grade 5 Marginally Acceptable			Grade 6 Watch			Grade 7 Substandard		Grade 8 Doubtful			Total
Construction/Land Development	$	-		$	-	$	3,166	$	25,657		$	11,116		$	2,946		$	25,627	$	-		$	68,512
Farmland		69			-		1,406		5,206			4,816			143			1,557		-			13,197
Real Estate		-			562		68,241		52,190			19,037			7,821			6,777		-			154,628
Multi-Family		-			668		4,442		2,275			4,412			-			-		-			11,797
Commercial Real Estate		-			1,897		18,062		55,350			21,677			13,406			3,023		-			113,415
Home Equity – closed end		-			-		4,574		3,117			1,870			281			386		-			10,228
Home Equity – open end		-			1,482		13,308		26,734			4,840			327			667		-			47,358
Commercial & Industrial (Non-Real Estate)		815			92		3,631		16,265			3,108			1,516			476		-			25,903
Total	$	884		$	4,701	$	116,830	$	186,794		$	70,876		$	26,440		$	38,513	$	-		$	445,038
Consumer Credit Exposure
Credit Risk Profile Based on Payment Activity
	Credit Cards			Consumer
Performing	$	2,680		$	30,719
Non performing		-			16
Total	$	2,680		$	30,735
Description of loan grades:
Grade 1 – Minimal Risk:   Excellent credit, superior asset quality, excellent debt capacity and coverage, and recognized management capabilities.
Grade 2 – Modest Risk:  Borrower consistently generates sufficient cash flow to fund debt service, excellent credit, above average asset quality and liquidity.
Grade 3 – Average Risk:  Borrower generates sufficient cash flow to fund debt service.  Employment (or business) is stable with good future trends.  Credit is very good.
Grade 4 – Acceptable Risk:  Borrower’s cash flow is adequate to cover debt service; however, unusual expenses or capital expenses must by covered through additional long term debt.  Employment (or business) stability is reasonable, but future trends may exhibit slight weakness. Credit history is good. No unpaid judgments or collection items appearing on credit report.
Grade 5 – Marginally acceptable:  Credit to borrowers who may exhibit declining earnings, may have leverage that is materially above industry averages, liquidity may be marginally acceptable.  Employment or business stability may be weak or deteriorating.  May be currently performing as agreed, but would be adversely affected by developing factors such as layoffs, illness, reduced hours or declining business prospects.  Credit history shows weaknesses, past dues, paid or disputed collections and judgments, but does not include borrowers that are currently past due on obligations or with unpaid, undisputed judgments.
Grade 6 – Watch:  Loans are currently protected, but are weak due to negative balance sheet or income statement trends.  There may be a lack of effective control over collateral or the existence of documentation deficiencies.  These loans have potential weaknesses that deserve management’s close attention.  Other reasons supporting this classification include adverse economic or market conditions, pending litigation or any other material weakness.  Existing loans that become 60 or more days past due are placed in this category pending a return to current status.
Grade 7 – Substandard: Loans having well-defined weaknesses where a payment default and or loss is possible, but not yet probable.  Cash flow is inadequate to service the debt under the current payment, or terms, with prospects that the condition is permanent.  Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the borrower and there is the likelihood that collateral will have to be liquidated and/or guarantor(s) called upon to repay the debt.  Generally, the loan is considered collectible as to both principal and interest, primarily because of collateral coverage, however, if the deficiencies are not corrected quickly; there is a probability of loss.
Grade 8 – Doubtful:  The loan has all the characteristics of a substandard credit, but available information indicates it is unlikely the loan will be repaid in its entirety.  Cash flow is insufficient to service the debt.  It may be difficult to project the exact amount of loss, but the probability of some loss is great.  Loans are to be placed on non-accrual status when any portion is classified doubtful.

5_Employee_Benefit_Plan

5. Employee Benefit Plan	3 Months Ended
	Mar. 31, 2014
Employee Benefit Plan	'
5. Employee Benefit Plan	'
	Note 5.    Employee Benefit Plan
	The Bank has a qualified noncontributory defined benefit pension plan that covers substantially all of its employees.  The benefits are primarily based on years of service and earnings.  The Bank contributed $1,500,000 to the plan in the first quarter of 2014 and does not anticipate additional contributions for the 2014 plan year.  The following is a summary of net periodic pension costs for the three-month periods ended March 31, 2014 and 2013.
		Three Months Ended
		March 31,			March 31,
		2014			2013
	Service cost	$	125,257		$	149,983
	Interest cost		94,427			87,578
	Expected return on plan assets		(174,563	)		(159,020	)
	Amortization of net obligation at transition		-			-
	Amortization of prior service cost		(3,809	)		(3,809	)
	Amortization of net loss		9,028			50,796
	Net periodic pension cost	$	50,340		$	125,528

6_Fair_Value

6. Fair Value	3 Months Ended
	Mar. 31, 2014
Fair Value	'
6. Fair Value	'
	Note 6.    Fair Value
	Accounting Standards Codification (ASC) 820, defines fair value, establishes a framework for measuring fair value, establishes a three-level valuation hierarchy for disclosure of fair value measurement and enhances disclosure requirements for fair value measurements. The valuation hierarchy is based upon the transparency of inputs to the valuation of an asset or liability as of the measurement date. The three levels are defined as follows:
	Level 1 – Inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets.
	Level 2 – Inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument.
	Level 3 – Inputs to the valuation methodology are unobservable and significant to the fair value measurement
	The following sections provide 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:
	Securities: Where quoted prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. Level 1 securities would include highly liquid government bonds, mortgage products and exchange traded equities. If quoted market prices are not available, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics, or discounted cash flow. Level 2 securities would include U.S. agency securities, mortgage-backed agency securities, obligations of states and political subdivisions and certain corporate, asset backed and other securities. In certain cases where there is limited activity or less transparency around inputs to the valuation, securities are classified within Level 3 of the valuation hierarchy.
	Impaired Loans: ASC 820 applies to loans measured for impairment using the practical expedients permitted by ASC 310 including impaired loans measured at an observable market price (if available), or at the fair value of the loan’s collateral (if the loan is collateral dependent). Fair value of the loan’s collateral, when the loan is dependent on collateral, is determined by appraisals or independent valuation which is then adjusted for the cost related to liquidation of the collateral.
	Other Real Estate Owned: Certain assets such as other real estate owned (OREO) are measured at the lower of carrying amount or fair value less cost to sell. We believe that the fair value component in its valuation follows the provisions of ASC 820.
	Derivative Financial Instruments: The equity derivative contracts are purchased as part of our Indexed Certificate of Deposit (ICD) program and are an offset of an asset and liability.  ICD values are measured on the S&P 500 Index.
	For level 3 assets and liabilities measured at fair value on a recurring basis or non-recurring basis as of March 31, 2014 and December 31, 2013 and significant unobservable inputs used in the fair value measurements were as follows:
		Fair Value at		Valuation Technique		Significant Unobservable Inputs	Range
		March 31,
		2014
	Impaired Loans	$	11,762	Discounted appraised value		Discount for selling costs and age of appraisals		15%-55	%
	Other Real Estate Owned	$	2,437	Discounted appraised value		Discount for selling costs and age of appraisals		15%-55	%
		Fair Value at		Valuation Technique		Significant Unobservable Inputs	Range
		December 31,
		2013
	Impaired Loans	$	10,239	Discounted appraised value		Discount for selling costs and age of appraisals		15%-55	%
	Other Real Estate Owned	$	2,628	Discounted appraised value		Discount for selling costs and age of appraisals		15%-55	%
	Assets and Liabilities Recorded at Fair Value on a Recurring Basis
	The tables below present the recorded amount of assets and liabilities measured at fair value on a recurring basis.
	31-Mar-14	Total			Level 1			Level 2		Level 3
	Government sponsored enterprises	$	10,075		$	-		$	10,075	$	-
	Mortgage-backed obligations of federal agencies		1,166			-			1,166		-
	Investment securities available for sale	$	11,241		$	-		$	11,241	$	-
	Total assets at fair value	$	11,241		$	-		$	11,241	$	-
	Total liabilities at fair value	$	-		$	-		$	-	$	-
	Derivative financial instruments at fair value	$	30		$	-		$	30	$	-
	31-Dec-13	Total			Level 1			Level 2		Level 3
	Government sponsored enterprises	$	29,065		$	-		$	29,065	$	-
	Mortgage-backed obligations of federal agencies		1,201			-			1,201		-
	Investment securities available for sale		30,266			-			30,266		-
	Total assets at fair value	$	30,266		$	-		$	30,266	$	-
	Total liabilities at fair value	$	-		$	-		$	-	$	-
	Derivative financial instruments at fair value	$	31		$	-		$	31	$	-
	Assets and Liabilities Recorded at Fair Value on a Non-recurring Basis
	The table below presents the recorded amount of assets and liabilities measured at fair value on a non-recurring basis.  The Company has determined that Other Real Estate Owned and Impaired Loans are Level 3.
	31-Mar-14	Total			Level 1			Level 2		Level 3
	Other Real Estate Owned	$	2,437			-			-	$	2,437
						-			-
	Construction/Land Development		9,804			-			-		9,804
	Farmland		-			-			-		-
	Real Estate		879			-			-		879
	Multi-Family		-			-			-		-
	Commercial Real Estate		834			-			-		834
	Home Equity – closed end		158			-			-		158
	Home Equity – open end		87			-			-		87
	Commercial & Industrial – Non-Real Estate		-			-			-		-
	Consumer		-			-			-		-
	Credit cards		-			-			-		-
	Dealer Finance		-			-			-		-
	Total Impaired loans		11,762			-			-		11,762
	Total assets at fair value	$	14,199		$	-		$	-	$	14,199
	Total liabilities at fair value	$	-		$	-		$	-	$	-
	31-Dec-13	Total			Level 1			Level 2		Level 3
	Other Real Estate Owned	$	2,628			-			-	$	2,628
						-			-
	Construction/Land Development		8,156			-			-		8,156
	Farmland		-			-			-		-
	Real Estate		991			-			-		991
	Multi-Family		-			-			-		-
Commercial Real Estate		836			-			-		836
Home Equity – closed end		163			-			-		163
Home Equity – open end		91			-			-		91
Commercial & Industrial – Non-Real Estate		-			-			-		-
Consumer		2			-			-		2
Credit cards		-			-			-		-
Dealer Finance		-			-			-		-
Total Impaired loans		10,239			-			-		10,239
Total assets at fair value	$	12,867			-		$	-		12,867
Total liabilities at fair value	$	-		$	-		$	-	$	-

7_Disclosures_About_Fair_Value

7. Disclosures About Fair Value of Financial Instruments	3 Months Ended
	Mar. 31, 2014
Disclosures About Fair Value Of Financial Instruments	'
7. Disclosures About Fair Value of Financial Instruments	'
	Note 7.    Disclosures About Fair Value of Financial Instruments
	ASC 825 “Financial Instruments” defines the fair value of a financial instrument as the amount at which a financial instrument could be exchanged in a current transaction between willing parties, other than in a forced liquidation or sale.  As the majority of the Bank’s financial instruments lack an available trading market, significant estimates, assumptions and present value calculations are required to determine estimated fair value.  The following presents the carrying amount, fair value and placement in the fair value hierarchy of the Company’s financial instruments as of March 31, 2014 and December 31, 2013.  This table excludes financial instruments for which the carrying amount approximates the fair value, which would be Level 1; inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets. All financial instruments below are considered Level 2; inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument.
		31-Mar-14				31-Dec-13
		Estimated		Carrying		Estimated		Carrying
		Fair Value		Value		Fair Value		Value
	Financial Assets
	Loans	$	519,034	$	487,327	$	512,250	$	478,453
	Financial Liabilities
	Time deposits	$	210,592	$	193,503		197,729		196,004
	Long-term debt	$	12,609	$	11,500		12,613		11,500
	The carrying value of cash and cash equivalents, other investments, deposits with no stated maturities, short-term borrowings, and accrued interest approximate fair value. The fair value of securities was calculated using the most recent transaction price or a pricing model, which takes into consideration maturity, yields and quality.  The remaining financial instruments were valued based on the present value of estimated future cash flows, discounted at various rates in effect for similar instruments entered into as of the end of each respective period shown above.

8_Troubled_Debt_Restructuring

8. Troubled Debt Restructuring	3 Months Ended
	Mar. 31, 2014
Troubled Debt Restructuring	'
8. Troubled Debt Restructuring	'
	Note 8.   Troubled Debt Restructuring
	In the determination of the allowance for loan losses, management considers troubled debt restructurings and subsequent defaults in these restructurings by adjusting the loan grades of such loans, which figure into the environmental factors associated with the allowance. Defaults resulting in charge-offs affect the historical loss experience ratios which are a component of the allowance calculation. Additionally, specific reserves may be established on restructured loans evaluated individually.
	During the three months ended March 31, 2014, there were no loan modifications that were considered to be troubled debt restructurings.  Modifications may have included rate adjustments, revisions to amortization schedules, suspension of principal payments for a temporary period, re-advancing funds to be applied as payments to bring the loan(s) current, or any combination thereof.
	During the twelve months ended March 31, 2014, twelve loans (four borrowers) that had previously been restructured, were in default.  A restructured loan is considered in default when it becomes 90 days past due.
		31-Mar-14
			Pre-Modification		Post-Modification
			Outstanding		Outstanding
		Number of Contracts	Recorded Investment		Recorded Investment
	Troubled Debt Restructurings
	Commercial	6	$	2,328	$	2,328
	Real Estate	3		600		600
	Home Equity	2		280		280
	Credit Cards			-		-
	Consumer			-		-
	Total		$	3,208	$	3,208
	During the three months ended, March 31, 2013, there were no loan modifications that were considered to be troubled debt restructurings.   There were also no troubled debt restructurings from the previous twelve months that went into default in the first quarter of 2013.  A restructured loan is considered in default when it becomes 90 days past due.

1_Accounting_Principles_Polici

1. Accounting Principles (Policies)	3 Months Ended
	Mar. 31, 2014
Accounting Principles Policies	'
Accounting Principles	'
	The consolidated financial statements include the accounts of F & M Bank Corp. and its subsidiaries (the “Company”).  Significant intercompany accounts and transactions have been eliminated in consolidation.
	The consolidated financial statements conform to accounting principles generally accepted in the United States of America and to general industry practices.  In the opinion of management, the accompanying unaudited consolidated financial statements contain all adjustments (consisting of only normal recurring accruals) necessary to present fairly the financial position as of March 31, 2014 and the results of operations for the quarters ended March 31, 2014 and 2013.  The notes included herein should be read in conjunction with the notes to financial statements included in the 2013 annual report to shareholders of F & M Bank Corp.
	The Company does not expect the anticipated adoption of any newly issued accounting standards to have a material impact on future operations or financial position.
Comprehensive Income	'
	Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income.  Certain changes in assets and liabilities, such as unrealized gains and losses on available for sale securities and gains or losses on certain derivative contracts, are reported as a separate component of the equity section of the balance sheet. Such items, along with operating net income, are components of comprehensive income.
Subsequent Events	'
	In preparing these financial statements, the Company has evaluated events and transactions for potential recognition or disclosure through the date the financial statements were issued.
Loans	'
	Loans are carried on the balance sheet net of any unearned interest and the allowance for loan losses.  Interest income on loans is determined using the effective interest method on the daily amount of principal outstanding except where serious doubt exists as to collectability of the loan, in which case the accrual of income is discontinued.
Allowance for Loan Losses	'
	The provision for loan losses charged to operations is an amount sufficient to bring the allowance for loan losses to an estimated balance that management considers adequate to absorb potential losses in the portfolio.  Loans are charged against the allowance when management believes the collectability of the principal is unlikely.  Recoveries of amounts previously charged-off are credited to the allowance. Management’s determination of the adequacy of the allowance is based on an evaluation of the composition of the loan portfolio, the value and adequacy of collateral, current economic conditions, historical loan loss experience, and other risk factors.  Management believes that the allowance for loan losses is adequate.  While management uses available information to recognize losses on loans, future additions to the allowance may be necessary based on changes in economic conditions, particularly those affecting real estate values.  In addition, regulatory agencies, as an integral part of their examination process, periodically review the Company’s allowance for loan losses.  Such agencies may require the Company to recognize additions to the allowance based on their judgments about information available to them at the time of their examination.
	A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement.  Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due.  Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired.  Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed.  Impairment is measured on a loan by loan basis for commercial and construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral dependent.
Nonaccrual Loans	'
	Loans are placed on nonaccrual status when they become ninety days or more past due, unless there is an expectation that the loan will either be brought current or paid in full in a reasonable period of time.

2_Investment_Securities_Tables

2. Investment Securities (Tables)	3 Months Ended
	Mar. 31, 2014
Investment Securities Tables	'
Securities Impairment	'
	The amortized costs of investment securities held to maturity are carried in the consolidated balance sheets and their approximate market values at March 31, 2014 and December 31, 2013 are as follows:
		2014					2013
				Market					Market
		Cost		Value			Cost		Value
	Securities held to maturity
	U. S. Treasury and agency obligations	$	106	$	106		$	106	$	106
	Total	$	106	$	106		$	106	$	106
		31-Mar-14
				Unrealized					Market
		Cost		Gains			Losses		Value
	Securities available for sale
	Government sponsored enterprises	$	10,080	$	19		$	24	$	10,075
	Mortgage-backed securities		1,161		5			-		1,166
	Total	$	11,241	$	24		$	24	$	11,241
		31-Dec-13
				Unrealized					Market
		Cost		Gains			Losses		Value
	Securities available for sale
	Government sponsored enterprises	$	29,076	$	11		$	22	$	29,065
	Mortgage-backed securities		1,209		-			8		1,201
	Total	$	30,285	$	11		$	30	$	30,266
Schedule Amortized Cost and Fair Value for Securities	'
	The amortized cost and fair value of securities at March 31, 2014, by contractual maturity are shown below.  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.
		Securities Held to Maturity					Securities Available for Sale
		Amortized		Fair			Amortized		Fair
		Cost		Value			Cost		Value
	Due in one year or less	$	106	$	106		$	2,002	$	1,999
	Due after one year through five years		-		-			8,078		8,076
	Due after five years		-		-			1,161		1,166
	Total	$	106	$	106		$	11,241	$	11,241
Schedule of Securities with Unrealized Losses	'
	The fair value and gross unrealized losses for securities, segregated by the length of time that individual securities have been in a continuous gross unrealized loss position, at March 31, 2014 and December 31, 2013 were as follows (dollars in thousands):
		Less than 12 Months					More than 12 Months				Total
		Fair Value		Unrealized Losses			Fair Value		Unrealized Losses		Fair Value		Unrealized Losses
	31-Mar-14
	Government sponsored Enterprises	$	5,985	$	(24	)	$	-	$	-	$	5,985	$	(24	)
	Total	$	5,985	$	(24	)	$	-	$	-	$	5,985	$	(24	)
	31-Dec-13
	Government sponsored Enterprises	$	4,984	$	(22	)	$	-	$	-	$	4,984	$	(22	)
	Mortgage backed obligations		1,191		(8	)		-		-		1,191		(8	)
	Total	$	6,175	$	(30	)	$	-	$	-	$	6,175	$	(30	)

3_Loans_Held_for_Investment_Ta

3. Loans Held for Investment (Tables)	3 Months Ended
	Mar. 31, 2014
Loans Held For Investment Tables	'
Schedule of Loans Outstanding	'
		2014		2013
	Construction/Land Development	$	70,648	$	68,512
	Farmland		12,532		13,197
	Real Estate		155,774		154,628
	Multi-Family		11,693		11,797
	Commercial Real Estate		116,583		113,415
	Home Equity – closed end		9,451		10,228
	Home Equity – open end		47,187		47,358
	Commercial & Industrial – Non-Real Estate		25,953		25,903
	Consumer		8,847		10,163
	Dealer Finance		25,253		20,572
	Credit Cards		2,406		2,680
	Total	$	486,327	$	478,453
Schedule Impaired Loans	'
	The following is a summary of information pertaining to impaired loans (in thousands):
				Unpaid				Average		Interest
	March 31, 2014	Recorded		Principal		Related		Recorded		Income
		Investment		Balance		Allowance		Investment		Recognized
	Impaired loans without a valuation allowance:
	Construction/Land Development	$	6,898	$	6,898	$	-	$	5,781	$	29
	Farmland		1,457		1,457		-		1,470		12
	Real Estate		48		48		-		394		1
	Multi-Family		-		-		-		-		-
	Commercial Real Estate		1,457		1,457		-		799		23
	Home Equity – closed end		308		308		-		283		6
	Home Equity – open end		-		-		-		20		-
	Commercial & Industrial – Non-Real Estate		279		279		-		116		4
	Consumer		-		-		-		-		-
	Credit cards		-		-		-		-		-
	Dealer Finance		-		-		-		-		-
			10,447		10,447				8,865		75
	Impaired loans with a valuation allowance
	Construction/Land Development		11,408		10,738		1,604		10,510		55
	Farmland		-		-		-		-		-
	Real Estate		1,036		1,036		157		901		7
	Multi-Family		-		-		-		-		-
	Commercial Real Estate		1,047		1,047		214		1,168		2
	Home Equity – closed end		180		180		22		340		8
	Home Equity – open end		100		100		12		90		-
	Commercial & Industrial – Non-Real Estate		-		-		-		141		-
	Consumer		-		-		-		1		-
	Credit cards		-		-		-		-		-
	Dealer Finance		-		-		-		-		-
			13,771		13,101		2,009		13,151		72
	Total impaired loans	$	24,218	$	23,548	$	2,009	$	20,014	$	147
Recorded Investment	'
	The Recorded Investment is defined as the principal balance less principal payments and charge-offs.
				Unpaid				Average		Interest
	December 31, 2013	Recorded		Principal		Related		Recorded		Income
		Investment		Balance		Allowance		Investment		Recognized
	Impaired loans without a valuation allowance:
	Construction/Land Development	$	3,960	$	4,543	$	-	$	5,750	$	153
	Farmland		1,459		1,459		-		1,475		67
	Real Estate		49		49		-		529		3
	Multi-Family		-		-		-		-		-
	Commercial Real Estate		851		851		-		616		56
	Home Equity – closed end		308		308		-		284		25
	Home Equity – open end		-		-		-		20		-
	Commercial & Industrial – Non-Real Estate		242		242		-		64		12
	Consumer		-		-		-		-		-
	Credit cards		-		-		-		-		-
	Dealer Finance		-		-		-		-		-
			6,869		7,452				8,738		316
	Impaired loans with a valuation allowance
	Construction/Land Development		8,291		9,716		1,560		10,855		175
	Farmland		-		-		-		-		-
	Real Estate		1,145		1,145		154		966		48
	Multi-Family		-		-		-		-		-
	Commercial Real Estate		818		1,118		282		1,171		4
	Home Equity – closed end		180		180		17		409		3
	Home Equity – open end		100		100		9		93		5
	Commercial & Industrial – Non-Real Estate		-		-		-		141		-
	Consumer		2		2		-		1		1
	Credit cards		-		-		-		-		-
	Dealer Finance		-		-		-		-		-
			10,536		12,261		2,022		13,636		236
	Total impaired loans	$	17,405	$	19,713	$	2,022	$	22,374	$	55

4_Allowance_for_Loan_Losses_Ta

4. Allowance for Loan Losses (Tables)	3 Months Ended
	Mar. 31, 2014
Allowance For Loan Losses Tables	'
Summary Loan Loss Allowance Transactions	'
	A summary of the allowance for loan losses follows:
	March 31, 2014  (in thousands)	Beginning Balance			Charge-offs		Recoveries		Provision			Ending Balance			Percentage of loans in each category to total			Individually Evaluated for Impairment		Collectively Evaluated for Impairment
	Allowance for loan losses:
	Construction/Land Development	$	4,007		$	671	$	12	$	557		$	3,905			48.76	%	$	1,604	$	2,301
	Farmland		(2	)		-		-		-			(2	)		(.03	%)		-		(2	)
	Real Estate		400			-		-		(22	)		378			4.72	%		157		221
	Multi-Family		-			-		-		-			-						-		-
	Commercial Real Estate		777			-		11		(81	)		707			8.82	%		214		493
	Home Equity – closed end		157			-		-		(10	)		147			1.84	%		22		125
	Home Equity – open end		476			29		-		18			465			5.81	%		12		453
	Commercial & Industrial – Non-Real Estate		1,464			242		17		187			1,426			17.8	%		-		1,426
	Consumer		156			30		5		(3	)		128			1.6	%		-		128
	Dealer Finance		628			-		-		121			749			9.36	%		-		749
	Credit Cards		121			14		16		(17	)		106			1.32	%		-		106
	Unallocated		-			-		-		-			-			-			-		-
	Total	$	8,184		$	986	$	61	$	750		$	8,009			100	%	$	2,009	$	6,000
	December 31, 2013  (in thousands)	Beginning Balance			Charge-offs		Recoveries		Provision			Ending Balance			Percentage of loans in each category to total			Individually Evaluated for Impairment		Collectively Evaluated for Impairment
	Allowance for loan losses:
	Construction/Land Development	$	2,771		$	2,127	$	40	$	3,323		$	4,007			48.96	%	$	1,560	$	2,447
	Farmland		(2	)		-		-		-			(2	)		(.03	%)		-		(2	)
	Real Estate		924			173		-		(351	)		400			4.89	%		154		246
	Multi-Family		(37	)		-		-		37			-			-			-		-
	Commercial Real Estate		1,113			201		42		(177	)		777			9.49	%		282		495
	Home Equity – closed end		360			159		-		(44	)		157			1.92	%		17		140
	Home Equity – open end		659			68		29		(144	)		476			5.82	%		9		467
	Commercial & Industrial – Non-Real Estate		2,113			986		127		210			1,464			17.89	%		-		1,464
	Consumer		51			173		14		264			156			1.91	%		-		156
	Dealer Finance		72			17		-		573			628			7.68	%		-		628
	Credit Cards		130			121		28		84			121			1.48	%		-		121
	Unallocated		-			-		-		-			-			-			-		-
	Total	$	8,154		$	4,025	$	280	$	3,775		$	8,184			100	%	$	2,022	$	6,162
Recorded Investment in Loan Receivables	'
	Recorded Investment in Loan Receivables (in thousands)
	31-Mar-14	Loan Receivable			Individually Evaluated for Impairment		Collectively Evaluated for Impairment
	Construction/Land Development	$	70,648		$	18,306	$	52,342
	Farmland		12,532			1,457		11,075
	Real Estate		155,774			1,084		154,690
	Multi-Family		11,693			-		11,693
	Commercial Real Estate		116,583			2,504		114,079
	Home Equity – closed end		9,451			488		8,963
	Home Equity –open end		47,187			100		47,087
	Commercial & Industrial – Non-Real Estate		25,953			279		25,674
	Consumer		8,847			-		8,847
	Dealer Finance		25,253			-		25,253
	Credit Cards		2,406			-		2,406
		$	486,327		$	24,218	$	462,108
	Total
	31-Dec-13	Loan Receivable			Individually Evaluated for Impairment		Collectively Evaluated for Impairment
	Construction/Land Development	$	68,512		$	14,259	$	54,253
	Farmland		13,197			1,459		11,738
	Real Estate		154,628			1,194		153,434
	Multi-Family		11,797			-		11,797
	Commercial Real Estate		113,415			1,969		111,446
	Home Equity – closed end		10,228			488		9,740
	Home Equity –open end		47,358			100		47,258
	Commercial & Industrial – Non-Real Estate		25,903			242		25,661
	Consumer		10,163			2		10,161
	Dealer Finance		20,572					20,572
	Credit Cards		2,680			-		2,680
		$	478,453		$	19,713	$	458,740
	Total
Schedule of Aging of Past Due Receivables	'
	Aging of Past Due Loans Receivable (in thousands) as of March 31, 2014
		30-59 Days Past due			60-89 Days Past Due		Greater than 90 Days (excluding non-accrual)		Non-Accrual Loans			Total Past Due			Current			Total Loan Receivable
	31-Mar-14
	Construction/Land Development	$	1,073		$	2,374	$	-	$	7,935		$	11,382		$	59,266		$	70,648
	Farmland		98			-		-		-			98			12,434			12,532
	Real Estate		4,337			646		-		1,291			6,274			149,500			155,774
	Multi-Family		-			-		-		-			-			11,693			11,693
	Commercial Real Estate		2,268			-		-		1,287			3,555			113,028			116,583
	Home Equity – closed end		18			-		-		171			189			9,262			9,451
	Home Equity – open end		609			25		10		119			763			46,424			47,187
	Commercial & Industrial – Non- Real Estate		1,412			14		-		176			1,602			24,351			25,953
	Consumer		153			54		4		-			211			8,636			8,847
	Dealer Finance		304			78		58		-			440			24,813			25,253
	Credit Cards		6			3		7		-			16			2,390			2,406
	Total	$	10,278		$	3,194	$	79	$	10,979		$	24,530		$	461,797		$	486,327
	Aging of Past Due Loans Receivable (in thousands) as of December 31, 2013
		30-59 Days Past due			60-89 Days Past Due		Greater than 90 Days (excluding non-accrual)		Non-Accrual Loans			Total Past Due			Current			Total Loan Receivable
	31-Dec-13
	Construction/Land Development	$	167		$	735	$	-	$	8,556		$	9,458		$	59,054		$	68,512
	Farmland		-			-		-		-			-			13,197			13,197
	Real Estate		4,659			920		246		1,407			7,232			147,396			154,628
	Multi-Family		107			-		-		-			107			11,690			11,797
	Commercial Real Estate		858			-		-		1,474			2,332			111,083			113,415
	Home Equity – closed end		122			79		10		180			391			9,837			10,228
	Home Equity – open end		549			39		51		222			861			46,497			47,358
	Commercial & Industrial – Non- Real Estate		148			20		4		416			588			25,315			25,903
	Consumer		169			71		5		-			245			9,918			10,163
	Dealer Finance		335			72		11		-			418			20,154			20,572
	Credit Cards		21			3		-		-			24			2,656			2,680
	Total	$	7,135		$	1,939	$	327	$	12,255		$	21,656		$	456,797		$	478,453
Corporate Credit Exposure	'
		Grade 1 Minimal Risk			Grade 2 Modest Risk		Grade 3 Average Risk		Grade 4 Acceptable Risk			Grade 5 Marginally Acceptable			Grade 6 Watch			Grade 7 Substandard		Grade 8 Doubtful			Total
	Construction/Land Development	$	-		$	-	$	5,734	$	25,374		$	11,206		$	1,257		$	27,077	$	-		$	70,648
	Farmland		68			-		1,358		4,103			5,449			-			1,554		-			12,532
	Real Estate		-			555		68,256		52,815			19,864			6,066			8,218		-			155,774
	Multi-Family		-			649		4,382		2,041			4,621						-		-			11,693
	Commercial Real Estate		-			1,554		23,899		56,142			20,577			12,241			2,170		-			116,583
	Home Equity – closed end		-			-		4,483		3,064			1,418			246			240		-			9,451
	Home Equity – open end		-			1,574		12,861		26,189			5,756			306			501		-			47,187
	Commercial & Industrial (Non-Real Estate)		777			120		4,272		15,165			2,936			2,454			229		-			25,953
	Total	$	845		$	4,452	$	125,245	$	184,893		$	71,827		$	22,570		$	39,989	$	-		$	449,821
		Grade 1 Minimal Risk			Grade 2 Modest Risk		Grade 3 Average Risk		Grade 4 Acceptable Risk			Grade 5 Marginally Acceptable			Grade 6 Watch			Grade 7 Substandard		Grade 8 Doubtful			Total
	Construction/Land Development	$	-		$	-	$	3,166	$	25,657		$	11,116		$	2,946		$	25,627	$	-		$	68,512
	Farmland		69			-		1,406		5,206			4,816			143			1,557		-			13,197
	Real Estate		-			562		68,241		52,190			19,037			7,821			6,777		-			154,628
	Multi-Family		-			668		4,442		2,275			4,412			-			-		-			11,797
	Commercial Real Estate		-			1,897		18,062		55,350			21,677			13,406			3,023		-			113,415
	Home Equity – closed end		-			-		4,574		3,117			1,870			281			386		-			10,228
	Home Equity – open end		-			1,482		13,308		26,734			4,840			327			667		-			47,358
	Commercial & Industrial (Non-Real Estate)		815			92		3,631		16,265			3,108			1,516			476		-			25,903
	Total	$	884		$	4,701	$	116,830	$	186,794		$	70,876		$	26,440		$	38,513	$	-		$	445,038
Consumer Credit Exposure	'
	Consumer Credit Exposure
	Credit Risk Profile Based on Payment Activity
		Credit Cards			Consumer
	Performing	$	2,399		$	34,038
	Non performing		7			62
	Total	$	2,406		$	34,100
	Consumer Credit Exposure
	Credit Risk Profile Based on Payment Activity
		Credit Cards			Consumer
	Performing	$	2,680		$	30,719
	Non performing		-			16
	Total	$	2,680		$	30,735

5_Employee_Benefit_Plan_Tables

5. Employee Benefit Plan (Tables)	3 Months Ended
	Mar. 31, 2014
Employee Benefit Plan Tables	'
Schedule of Employee Benefit Plan	'
	The following is a summary of net periodic pension costs for the three-month periods ended March 31, 2014 and 2013.
		Three Months Ended
		March 31,			March 31,
		2014			2013
	Service cost	$	125,257		$	149,983
	Interest cost		94,427			87,578
	Expected return on plan assets		(174,563	)		(159,020	)
	Amortization of net obligation at transition		-			-
	Amortization of prior service cost		(3,809	)		(3,809	)
	Amortization of net loss		9,028			50,796
	Net periodic pension cost	$	50,340		$	125,528

6_Fair_Value_Tables

6. Fair Value (Tables)	3 Months Ended
	Mar. 31, 2014
Fair Value Tables	'
Fair value measurements	'
	For level 3 assets and liabilities measured at fair value on a recurring basis or non-recurring basis as of March 31, 2014 and December 31, 2013 and significant unobservable inputs used in the fair value measurements were as follows:
		Fair Value at		Valuation Technique		Significant Unobservable Inputs	Range
		March 31,
		2014
	Impaired Loans	$	11,762	Discounted appraised value		Discount for selling costs and age of appraisals		15%-55	%
	Other Real Estate Owned	$	2,437	Discounted appraised value		Discount for selling costs and age of appraisals		15%-55	%
		Fair Value at		Valuation Technique		Significant Unobservable Inputs	Range
		December 31,
		2013
	Impaired Loans	$	10,239	Discounted appraised value		Discount for selling costs and age of appraisals		15%-55	%
	Other Real Estate Owned	$	2,628	Discounted appraised value		Discount for selling costs and age of appraisals		15%-55	%
Schedule Assets and Liabilities at Fair Value on Recurring Basis	'
	The tables below present the recorded amount of assets and liabilities measured at fair value on a recurring basis.
	31-Mar-14	Total			Level 1			Level 2		Level 3
	Government sponsored enterprises	$	10,075		$	-		$	10,075	$	-
	Mortgage-backed obligations of federal agencies		1,166			-			1,166		-
	Investment securities available for sale	$	11,241		$	-		$	11,241	$	-
	Total assets at fair value	$	11,241		$	-		$	11,241	$	-
	Total liabilities at fair value	$	-		$	-		$	-	$	-
	Derivative financial instruments at fair value	$	30		$	-		$	30	$	-
	31-Dec-13	Total			Level 1			Level 2		Level 3
	Government sponsored enterprises	$	29,065		$	-		$	29,065	$	-
	Mortgage-backed obligations of federal agencies		1,201			-			1,201		-
	Investment securities available for sale		30,266			-			30,266		-
	Total assets at fair value	$	30,266		$	-		$	30,266	$	-
	Total liabilities at fair value	$	-		$	-		$	-	$	-
	Derivative financial instruments at fair value	$	31		$	-		$	31	$	-
Schedule of Assets and Liabilities at Fair Value on Non-recurring Basis	'
	Assets and Liabilities Recorded at Fair Value on a Non-recurring Basis
	The table below presents the recorded amount of assets and liabilities measured at fair value on a non-recurring basis.  The Company has determined that Other Real Estate Owned and Impaired Loans are Level 3.
	31-Mar-14	Total			Level 1			Level 2		Level 3
	Other Real Estate Owned	$	2,437			-			-	$	2,437
						-			-
	Construction/Land Development		9,804			-			-		9,804
	Farmland		-			-			-		-
	Real Estate		879			-			-		879
	Multi-Family		-			-			-		-
	Commercial Real Estate		834			-			-		834
	Home Equity – closed end		158			-			-		158
	Home Equity – open end		87			-			-		87
	Commercial & Industrial – Non-Real Estate		-			-			-		-
	Consumer		-			-			-		-
	Credit cards		-			-			-		-
	Dealer Finance		-			-			-		-
	Total Impaired loans		11,762			-			-		11,762
	Total assets at fair value	$	14,199		$	-		$	-	$	14,199
	Total liabilities at fair value	$	-		$	-		$	-	$	-
	31-Dec-13	Total			Level 1			Level 2		Level 3
	Other Real Estate Owned	$	2,628			-			-	$	2,628
						-			-
	Construction/Land Development		8,156			-			-		8,156
	Farmland		-			-			-		-
	Real Estate		991			-			-		991
	Multi-Family		-			-			-		-
	Commercial Real Estate		836			-			-		836
	Home Equity – closed end		163			-			-		163
	Home Equity – open end		91			-			-		91
	Commercial & Industrial – Non-Real Estate		-			-			-		-
	Consumer		2			-			-		2
	Credit cards		-			-			-		-
	Dealer Finance		-			-			-		-
	Total Impaired loans		10,239			-			-		10,239
	Total assets at fair value	$	12,867			-		$	-		12,867
	Total liabilities at fair value	$	-		$	-		$	-	$	-

7_Disclosures_About_Fair_Value1

7. Disclosures About Fair Value of Financial Instruments (Tables)	3 Months Ended
	Mar. 31, 2014
Disclosures About Fair Value Of Financial Instruments Tables	'
Carrying Value and Estimated Fair Value for Financial Instruments	'
		31-Mar-14				31-Dec-13
		Estimated		Carrying		Estimated		Carrying
		Fair Value		Value		Fair Value		Value
	Financial Assets
	Loans	$	519,034	$	487,327	$	512,250	$	478,453
	Financial Liabilities
	Time deposits	$	210,592	$	193,503		197,729		196,004
	Long-term debt	$	12,609	$	11,500		12,613		11,500

8_Troubled_Debt_Restructuring_

8. Troubled Debt Restructuring (Tables)	3 Months Ended
	Mar. 31, 2014
Troubled Debt Restructuring	'
Troubled debt restructuring	'
		31-Mar-14
			Pre-Modification		Post-Modification
			Outstanding		Outstanding
		Number of Contracts	Recorded Investment		Recorded Investment
	Troubled Debt Restructurings
	Commercial	6	$	2,328	$	2,328
	Real Estate	3		600		600
	Home Equity	2		280		280
	Credit Cards			-		-
	Consumer			-		-
	Total		$	3,208	$	3,208

2_Investment_Securities_Detail

2. Investment Securities (Details) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
Available-for-Sale Securities	'	'
Amortized Cost	$11,241	$30,285
Gross Unrealized Gains	24	11
Gross Unrealized Losses	24	30
Market Value	11,241	30,266
Held-to-Maturity Securities	'	'
Amortized Cost - Held-to-Maturity	106	106
Market Value - Held-to-Maturity	106	106
U. S. Treasury and agency obligations [Member]	'	'
Held-to-Maturity Securities	'	'
Amortized Cost - Held-to-Maturity	106	106
Market Value - Held-to-Maturity	106	106
Government sponsored enterprises [Member]	'	'
Available-for-Sale Securities	'	'
Amortized Cost	10,080	29,076
Gross Unrealized Gains	19	11
Gross Unrealized Losses	24	22
Market Value	10,075	29,065
Mortgage Backed Securities [Member]	'	'
Available-for-Sale Securities	'	'
Amortized Cost	1,161	1,209
Gross Unrealized Gains	5	'
Gross Unrealized Losses	'	8
Market Value	$1,166	$1,201

2_Investment_Securities_Detail1

2. Investment Securities (Details 1) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Total, Amortized Cost	$106	$106
Total, Fair Value	106	106
Held to maturity Securities [Member]	'	'
Due in one year or less, Amortized Cost	106	'
Due after one year through five years, Amortized Cost	'	'
Due after five years, Amortized Cost	'	'
Due in one year or less, Fair Value	106	'
Due after one year through five years, Fair Value	'	'
Due after five years, Fair Value	'	'
Total, Amortized Cost	106	'
Total, Fair Value	106	'
Available for sale Securities [Member]	'	'
Due in one year or less, Amortized Cost	2,002	'
Due after one year through five years, Amortized Cost	8,078	'
Due after five years, Amortized Cost	1,161	'
Due in one year or less, Fair Value	1,999	'
Due after one year through five years, Fair Value	8,076	'
Due after five years, Fair Value	1,166	'
Total, Amortized Cost	11,241	'
Total, Fair Value	$11,241	'

Recovered_Sheet1

2. Investment securities (Details 2) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Fair Value Less than 12 Months	$5,985	$6,175
Unrealized Losses Less than 12 Months	-24	-30
Fair Value More than 12 Months	'	'
Unrealized Losses More than 12 Months	'	'
Fair Value Total	5,985	6,175
Unrealized Losses Total	-24	-30
Government Sponsored Enterprises [Member]	'	'
Fair Value Less than 12 Months	5,985	4,984
Unrealized Losses Less than 12 Months	-24	-22
Fair Value More than 12 Months	'	'
Unrealized Losses More than 12 Months	'	'
Fair Value Total	5,985	4,984
Unrealized Losses Total	-24	-22
Mortgage Backed Securities [Member]	'	'
Fair Value Less than 12 Months	'	1,191
Unrealized Losses Less than 12 Months	'	-8
Fair Value More than 12 Months	'	'
Unrealized Losses More than 12 Months	'	'
Fair Value Total	'	1,191
Unrealized Losses Total	'	($8)

3_Loans_Held_for_Investment_De

3. Loans Held for Investment (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Loans outstanding	$486,327	$478,453
Construction/Land Development [Member]	'	'
Loans outstanding	70,648	68,512
Farmland [Member]	'	'
Loans outstanding	12,532	13,197
Real Estate [Member]	'	'
Loans outstanding	155,774	154,628
Multi-Family [Member]	'	'
Loans outstanding	11,693	11,797
Commercial Real Estate [Member]	'	'
Loans outstanding	116,583	113,415
Home Equity - Closed End [Member]	'	'
Loans outstanding	9,451	10,228
Home Equity - Open End [Member]	'	'
Loans outstanding	47,187	47,358
Commercial & Industrial – Non-Real Estate	'	'
Loans outstanding	25,953	25,903
Consumer [Member]	'	'
Loans outstanding	8,847	10,163
Dealer Finance [Member]	'	'
Loans outstanding	25,253	20,572
Credit Cards [Member]	'	'
Loans outstanding	$2,406	$2,680

3_Loans_Held_for_Investment_De1

3. Loans Held for Investment (Details 1) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Impaired loans without a valuation allowance	'	'
Recorded Investment	$10,447	$6,869
Unpaid Principal Balance	10,447	7,452
Average Recorded Investment	8,865	8,738
Interest Income Recognized	75	316
Impaired loans with a valuation allowance	'	'
Recorded Investment	13,771	10,536
Unpaid Principal Balance	13,101	12,261
Related Allowance	2,009	2,022
Average Recorded Investment	13,151	13,636
Interest Income Recognized	72	236
Impaired loans valuation allowance	'	'
Recorded Investment	24,218	17,405
Unpaid Principal Balance	23,548	19,713
Related Allowance	2,009	2,022
Average Recorded Investment	20,014	22,374
Interest Income Recognized	147	552
Construction/Land Development [Member]	'	'
Impaired loans without a valuation allowance	'	'
Recorded Investment	6,898	3,960
Unpaid Principal Balance	6,898	4,543
Related Allowance	'	'
Average Recorded Investment	5,781	5,750
Interest Income Recognized	29	153
Impaired loans with a valuation allowance	'	'
Recorded Investment	11,408	8,291
Unpaid Principal Balance	10,738	9,716
Related Allowance	1,604	1,560
Average Recorded Investment	10,510	10,855
Interest Income Recognized	55	175
Farmland [Member]	'	'
Impaired loans without a valuation allowance	'	'
Recorded Investment	1,457	1,459
Unpaid Principal Balance	1,457	1,459
Related Allowance	'	'
Average Recorded Investment	1,470	1,475
Interest Income Recognized	12	67
Impaired loans with a valuation allowance	'	'
Recorded Investment	'	'
Unpaid Principal Balance	'	'
Related Allowance	'	'
Average Recorded Investment	'	'
Interest Income Recognized	'	'
Real Estate [Member]	'	'
Impaired loans without a valuation allowance	'	'
Recorded Investment	48	49
Unpaid Principal Balance	48	49
Related Allowance	'	'
Average Recorded Investment	394	529
Interest Income Recognized	1	3
Impaired loans with a valuation allowance	'	'
Recorded Investment	1,036	1,145
Unpaid Principal Balance	1,036	1,145
Related Allowance	157	154
Average Recorded Investment	901	966
Interest Income Recognized	7	48
Multi-Family [Member]	'	'
Impaired loans without a valuation allowance	'	'
Recorded Investment	'	'
Unpaid Principal Balance	'	'
Related Allowance	'	'
Average Recorded Investment	'	'
Interest Income Recognized	'	'
Impaired loans with a valuation allowance	'	'
Recorded Investment	'	'
Unpaid Principal Balance	'	'
Related Allowance	'	'
Average Recorded Investment	'	'
Interest Income Recognized	'	'
Commercial Real Estate [Member]	'	'
Impaired loans without a valuation allowance	'	'
Recorded Investment	1,457	851
Unpaid Principal Balance	1,457	851
Related Allowance	'	'
Average Recorded Investment	799	616
Interest Income Recognized	23	56
Impaired loans with a valuation allowance	'	'
Recorded Investment	1,047	818
Unpaid Principal Balance	1,047	1,118
Related Allowance	214	282
Average Recorded Investment	1,168	1,171
Interest Income Recognized	2	4
Home Equity - Closed End [Member]	'	'
Impaired loans without a valuation allowance	'	'
Recorded Investment	308	308
Unpaid Principal Balance	308	308
Related Allowance	'	'
Average Recorded Investment	283	284
Interest Income Recognized	6	25
Impaired loans with a valuation allowance	'	'
Recorded Investment	180	180
Unpaid Principal Balance	180	180
Related Allowance	22	17
Average Recorded Investment	340	409
Interest Income Recognized	8	3
Home Equity - Open End [Member]	'	'
Impaired loans without a valuation allowance	'	'
Recorded Investment	'	'
Unpaid Principal Balance	'	'
Related Allowance	'	'
Average Recorded Investment	20	20
Interest Income Recognized	'	'
Impaired loans with a valuation allowance	'	'
Recorded Investment	100	100
Unpaid Principal Balance	100	100
Related Allowance	12	9
Average Recorded Investment	90	93
Interest Income Recognized	'	5
Commercial & Industrial – Non-Real Estate	'	'
Impaired loans without a valuation allowance	'	'
Recorded Investment	279	242
Unpaid Principal Balance	279	242
Related Allowance	'	'
Average Recorded Investment	116	64
Interest Income Recognized	4	12
Impaired loans with a valuation allowance	'	'
Recorded Investment	'	'
Unpaid Principal Balance	'	'
Related Allowance	'	'
Average Recorded Investment	141	141
Interest Income Recognized	'	'
Consumer [Member]	'	'
Impaired loans without a valuation allowance	'	'
Recorded Investment	'	'
Unpaid Principal Balance	'	'
Related Allowance	'	'
Average Recorded Investment	'	'
Interest Income Recognized	'	'
Impaired loans with a valuation allowance	'	'
Recorded Investment	'	2
Unpaid Principal Balance	'	2
Related Allowance	'	'
Average Recorded Investment	1	1
Interest Income Recognized	'	1
Credit Cards [Member]	'	'
Impaired loans without a valuation allowance	'	'
Recorded Investment	'	'
Unpaid Principal Balance	'	'
Related Allowance	'	'
Average Recorded Investment	'	'
Interest Income Recognized	'	'
Impaired loans with a valuation allowance	'	'
Recorded Investment	'	'
Unpaid Principal Balance	'	'
Related Allowance	'	'
Average Recorded Investment	'	'
Interest Income Recognized	'	'
Dealer Finance [Member]	'	'
Impaired loans without a valuation allowance	'	'
Recorded Investment	'	'
Unpaid Principal Balance	'	'
Related Allowance	'	'
Average Recorded Investment	'	'
Interest Income Recognized	'	'
Impaired loans with a valuation allowance	'	'
Recorded Investment	'	'
Unpaid Principal Balance	'	'
Related Allowance	'	'
Average Recorded Investment	'	'
Interest Income Recognized	'	'

4_Allowance_for_Loan_Losses_De

4. Allowance for Loan Losses (Details) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
Beginning Balance	$8,184	$8,154
Charge-offs	986	4,025
Recoveries	61	280
Provision	750	3,775
Ending Balance	8,009	8,184
Percentage of loans in each category to total	100.00%	100.00%
Individually Evaluated for Impairment	2,009	2,022
Collectively Evaluated for Impairment	6,000	6,162
Construction/Land Development [Member]	'	'
Beginning Balance	4,007	2,771
Charge-offs	671	2,127
Recoveries	12	40
Provision	557	3,323
Ending Balance	3,905	4,007
Percentage of loans in each category to total	48.76%	48.96%
Individually Evaluated for Impairment	1,604	1,560
Collectively Evaluated for Impairment	2,301	2,447
Farmland [Member]	'	'
Beginning Balance	-2	-2
Charge-offs	'	'
Recoveries	'	'
Provision	'	'
Ending Balance	-2	-2
Percentage of loans in each category to total	-0.03%	-0.03%
Individually Evaluated for Impairment	'	'
Collectively Evaluated for Impairment	-2	-2
Real Estate [Member]	'	'
Beginning Balance	400	924
Charge-offs	'	173
Recoveries	'	'
Provision	-22	-351
Ending Balance	378	400
Percentage of loans in each category to total	4.72%	4.89%
Individually Evaluated for Impairment	157	154
Collectively Evaluated for Impairment	221	246
Multi-Family [Member]	'	'
Beginning Balance	'	-37
Charge-offs	'	'
Recoveries	'	'
Provision	'	37
Ending Balance	'	'
Percentage of loans in each category to total	'	'
Individually Evaluated for Impairment	'	'
Collectively Evaluated for Impairment	'	'
Commercial Real Estate [Member]	'	'
Beginning Balance	777	1,113
Charge-offs	'	201
Recoveries	11	42
Provision	-81	-177
Ending Balance	707	777
Percentage of loans in each category to total	8.82%	9.49%
Individually Evaluated for Impairment	214	282
Collectively Evaluated for Impairment	493	495
Home Equity - Closed End [Member]	'	'
Beginning Balance	157	360
Charge-offs	'	159
Recoveries	'	'
Provision	-10	-44
Ending Balance	147	157
Percentage of loans in each category to total	1.84%	1.92%
Individually Evaluated for Impairment	22	17
Collectively Evaluated for Impairment	125	140
Home Equity - Open End [Member]	'	'
Beginning Balance	476	659
Charge-offs	29	68
Recoveries	'	29
Provision	18	-144
Ending Balance	465	476
Percentage of loans in each category to total	5.81%	5.82%
Individually Evaluated for Impairment	12	9
Collectively Evaluated for Impairment	453	467
Commercial & Industrial – Non-Real Estate	'	'
Beginning Balance	1,464	2,113
Charge-offs	242	986
Recoveries	17	127
Provision	187	210
Ending Balance	1,426	1,464
Percentage of loans in each category to total	17.80%	17.89%
Individually Evaluated for Impairment	'	'
Collectively Evaluated for Impairment	1,426	1,464
Consumer [Member]	'	'
Beginning Balance	156	51
Charge-offs	30	173
Recoveries	5	14
Provision	-3	264
Ending Balance	128	156
Percentage of loans in each category to total	1.60%	1.91%
Individually Evaluated for Impairment	'	'
Collectively Evaluated for Impairment	128	156
Dealer Finance [Member]	'	'
Beginning Balance	628	72
Charge-offs	'	17
Recoveries	'	'
Provision	121	573
Ending Balance	749	628
Percentage of loans in each category to total	9.36%	7.68%
Individually Evaluated for Impairment	'	'
Collectively Evaluated for Impairment	749	628
Credit Cards [Member]	'	'
Beginning Balance	121	130
Charge-offs	14	121
Recoveries	16	28
Provision	-17	84
Ending Balance	106	121
Percentage of loans in each category to total	1.32%	1.48%
Individually Evaluated for Impairment	'	'
Collectively Evaluated for Impairment	106	121
Unallocated [Member]	'	'
Beginning Balance	'	'
Charge-offs	'	'
Recoveries	'	'
Provision	'	'
Ending Balance	'	'
Percentage of loans in each category to total	'	'
Individually Evaluated for Impairment	'	'
Collectively Evaluated for Impairment	'	'

4_Allowance_for_Loan_Losses_De1

4. Allowance for Loan Losses (Details 1) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Loan Receivable	$486,327	$478,453
Individually evaluated for impairment	24,218	19,713
Collectively evaluated for impairment	462,108	458,740
Construction/Land Development [Member]	'	'
Loan Receivable	70,648	68,512
Individually evaluated for impairment	18,306	14,259
Collectively evaluated for impairment	52,342	54,253
Farmland [Member]	'	'
Loan Receivable	12,532	13,197
Individually evaluated for impairment	1,457	1,459
Collectively evaluated for impairment	11,075	11,738
Real Estate [Member]	'	'
Loan Receivable	155,774	154,628
Individually evaluated for impairment	1,084	1,194
Collectively evaluated for impairment	154,690	153,434
Multi-Family [Member]	'	'
Loan Receivable	11,693	11,797
Individually evaluated for impairment	'	'
Collectively evaluated for impairment	11,693	11,797
Commercial Real Estate [Member]	'	'
Loan Receivable	116,583	113,415
Individually evaluated for impairment	2,504	1,969
Collectively evaluated for impairment	114,079	111,446
Home Equity - Closed End [Member]	'	'
Loan Receivable	9,451	10,228
Individually evaluated for impairment	488	488
Collectively evaluated for impairment	8,963	9,740
Home Equity - Open End [Member]	'	'
Loan Receivable	47,187	47,358
Individually evaluated for impairment	100	100
Collectively evaluated for impairment	47,087	47,258
Commercial & Industrial – Non-Real Estate	'	'
Loan Receivable	25,953	25,903
Individually evaluated for impairment	279	242
Collectively evaluated for impairment	25,674	25,661
Consumer [Member]	'	'
Loan Receivable	8,847	10,163
Individually evaluated for impairment	'	2
Collectively evaluated for impairment	8,847	10,161
Dealer Finance [Member]	'	'
Loan Receivable	25,253	20,572
Individually evaluated for impairment	'	'
Collectively evaluated for impairment	25,253	20,572
Credit Cards [Member]	'	'
Loan Receivable	2,406	2,680
Individually evaluated for impairment	'	'
Collectively evaluated for impairment	$2,406	$2,680

4_Allowance_for_Loan_Losses_De2

4. Allowance for Loan Losses (Details 2) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
30-59 Days Past due	$10,278	$7,135
60-89 Days Past due	3,194	1,939
Greater than 90 Days (excluding non-accrual)	79	327
Non-Accrual Loans	10,979	12,255
Total past due	24,530	21,656
Current	461,797	456,797
Total Loans Receivable	486,327	478,453
Construction/Land Development [Member]	'	'
30-59 Days Past due	1,073	167
60-89 Days Past due	2,374	735
Greater than 90 Days (excluding non-accrual)	'	'
Non-Accrual Loans	7,935	8,556
Total past due	11,382	9,458
Current	59,266	59,054
Total Loans Receivable	70,648	68,512
Farmland [Member]	'	'
30-59 Days Past due	98	'
60-89 Days Past due	'	'
Greater than 90 Days (excluding non-accrual)	'	'
Non-Accrual Loans	'	'
Total past due	98	'
Current	12,434	13,197
Total Loans Receivable	12,532	13,197
Real Estate [Member]	'	'
30-59 Days Past due	4,337	4,659
60-89 Days Past due	646	920
Greater than 90 Days (excluding non-accrual)	'	246
Non-Accrual Loans	1,291	1,407
Total past due	6,274	7,232
Current	149,500	147,396
Total Loans Receivable	155,774	154,628
Multi-Family [Member]	'	'
30-59 Days Past due	'	107
60-89 Days Past due	'	'
Greater than 90 Days (excluding non-accrual)	'	'
Non-Accrual Loans	'	'
Total past due	'	107
Current	11,693	11,690
Total Loans Receivable	11,693	11,797
Commercial Real Estate [Member]	'	'
30-59 Days Past due	2,268	858
60-89 Days Past due	'	'
Greater than 90 Days (excluding non-accrual)	'	'
Non-Accrual Loans	1,287	1,474
Total past due	3,555	2,332
Current	113,028	111,083
Total Loans Receivable	116,583	113,415
Home Equity - Closed End [Member]	'	'
30-59 Days Past due	18	122
60-89 Days Past due	'	79
Greater than 90 Days (excluding non-accrual)	'	10
Non-Accrual Loans	171	180
Total past due	189	391
Current	9,262	9,837
Total Loans Receivable	9,451	10,228
Home Equity - Open End [Member]	'	'
30-59 Days Past due	609	549
60-89 Days Past due	25	39
Greater than 90 Days (excluding non-accrual)	10	51
Non-Accrual Loans	119	222
Total past due	763	861
Current	46,424	46,497
Total Loans Receivable	47,187	47,358
Commercial & Industrial – Non-Real Estate	'	'
30-59 Days Past due	1,412	148
60-89 Days Past due	14	20
Greater than 90 Days (excluding non-accrual)	'	4
Non-Accrual Loans	176	416
Total past due	1,602	588
Current	24,351	25,315
Total Loans Receivable	25,953	25,903
Consumer [Member]	'	'
30-59 Days Past due	153	169
60-89 Days Past due	54	71
Greater than 90 Days (excluding non-accrual)	4	5
Non-Accrual Loans	'	'
Total past due	211	245
Current	8,636	9,918
Total Loans Receivable	8,847	10,163
Dealer Finance [Member]	'	'
30-59 Days Past due	304	335
60-89 Days Past due	78	72
Greater than 90 Days (excluding non-accrual)	58	11
Non-Accrual Loans	'	'
Total past due	440	418
Current	24,813	20,154
Total Loans Receivable	25,253	20,572
Credit Cards [Member]	'	'
30-59 Days Past due	6	21
60-89 Days Past due	3	3
Greater than 90 Days (excluding non-accrual)	7	'
Non-Accrual Loans	'	'
Total past due	16	24
Current	2,390	2,656
Total Loans Receivable	$2,406	$2,680

4_Allowance_for_Loan_Losses_De3

4. Allowance for Loan Losses (Details 3) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Construction/Land Development	$70,648	$68,512
Farmland	12,532	13,197
Real Estate	155,774	154,628
Multi-Family	11,693	11,797
Commercial Real Estate	116,583	113,415
Home Equity - closed end	9,451	10,228
Home Equity - open end	47,187	47,358
Commercial & Industrial (Non-Real Estate)	25,953	25,903
Total	449,821	445,038
Grade 1 Minimal Risk [Member]	'	'
Construction/Land Development	'	'
Farmland	68	69
Real Estate	'	'
Multi-Family	'	'
Commercial Real Estate	'	'
Home Equity - closed end	'	'
Home Equity - open end	'	'
Commercial & Industrial (Non-Real Estate)	777	815
Total	845	884
Grade 2 Modest Risk [Member]	'	'
Construction/Land Development	'	'
Farmland	'	'
Real Estate	555	562
Multi-Family	649	668
Commercial Real Estate	1,554	1,897
Home Equity - closed end	'	'
Home Equity - open end	1,574	1,482
Commercial & Industrial (Non-Real Estate)	120	92
Total	4,452	4,701
Grade 3 Average Risk [Member]	'	'
Construction/Land Development	5,734	3,166
Farmland	1,358	1,406
Real Estate	68,256	68,241
Multi-Family	4,382	4,442
Commercial Real Estate	23,899	18,062
Home Equity - closed end	4,483	4,574
Home Equity - open end	12,861	13,308
Commercial & Industrial (Non-Real Estate)	4,272	3,631
Total	125,245	116,830
Grade 4 Acceptable Risk [Member]	'	'
Construction/Land Development	25,374	25,657
Farmland	4,103	5,206
Real Estate	52,815	52,190
Multi-Family	2,041	2,275
Commercial Real Estate	56,142	55,350
Home Equity - closed end	3,064	3,117
Home Equity - open end	26,189	26,734
Commercial & Industrial (Non-Real Estate)	15,165	16,265
Total	184,893	186,794
Grade 5 Marginally Acceptable [Member]	'	'
Construction/Land Development	11,206	11,116
Farmland	5,449	4,816
Real Estate	19,864	19,037
Multi-Family	4,621	4,412
Commercial Real Estate	20,577	21,677
Home Equity - closed end	1,418	1,870
Home Equity - open end	5,756	4,840
Commercial & Industrial (Non-Real Estate)	2,936	3,108
Total	71,827	70,876
Grade 6 Watch [Member]	'	'
Construction/Land Development	1,257	2,946
Farmland	'	143
Real Estate	6,066	7,821
Multi-Family	'	'
Commercial Real Estate	12,241	13,406
Home Equity - closed end	246	281
Home Equity - open end	306	327
Commercial & Industrial (Non-Real Estate)	2,454	1,516
Total	22,570	26,440
Grade 7 Substandard [Member]	'	'
Construction/Land Development	27,077	25,627
Farmland	1,554	1,557
Real Estate	8,218	6,777
Multi-Family	'	'
Commercial Real Estate	2,170	3,023
Home Equity - closed end	240	386
Home Equity - open end	501	667
Commercial & Industrial (Non-Real Estate)	229	476
Total	39,989	38,513
Grade 8 Doubtful [Member]	'	'
Construction/Land Development	'	'
Farmland	'	'
Real Estate	'	'
Multi-Family	'	'
Commercial Real Estate	'	'
Home Equity - closed end	'	'
Home Equity - open end	'	'
Commercial & Industrial (Non-Real Estate)	'	'
Total	'	'

4_Allowance_for_Loan_Losses_De4

4. Allowance for Loan Losses (Details 4) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Credit cards	$2,406	$2,680
Consumer	34,100	30,735
Performing Financing Receivable [Member]	'	'
Credit cards	2,399	2,680
Consumer	34,038	30,719
Nonperforming Financing Receivable [Member]	'	'
Credit cards	7	'
Consumer	$62	$16

5_Employee_Benefit_Plan_Detail

5. Employee Benefit Plan (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Employee Benefit Plan Details	'	'
Service cost	$125,257	$149,983
Interest cost	94,427	87,578
Expected return on plan assets	-174,563	-159,020
Amortization of net obligation at transition	'	'
Amortization of prior service cost	-3,809	-3,809
Amortization of net loss	9,028	50,796
Net periodic pension cost	$50,340	$125,528

5_Employee_Benefit_Plan_Detail1

5. Employee Benefit Plan (Details Narrative) (USD $)	3 Months Ended
	Mar. 31, 2014
Employee Benefit Plan Details Narrative	'
Contribution to employee benefit plan	$1,500,000

6_Fair_Value_Details

6. Fair Value (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
Impaired loans	$11,762	$10,239
Other Real Estate Owned Loans	2,437	2,628
Fair Value Measurements, Valuation Techniques	'Discounted appraised value	'
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Asset Types	'Discount for selling costs and age of appraisals	'
Fair Value, Liabilities, Measured on Recurring Basis, Unobservable Input Reconciliation, by Liability Class	'Discount for selling costs and age of appraisals	'
Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	$11,762	$10,239
Fair Value Inputs Level 3 [Member] | Maximum [Member]	'	'
Fair Value Measurements, Valuation range	55.00%	55.00%
Fair Value Inputs Level 3 [Member] | Minimum [Member]	'	'
Fair Value Measurements, Valuation range	15.00%	15.00%

6_Fair_Value_Details_1

6. Fair Value (Details 1) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Total assets at fair value	$11,241	$30,266
Total liabilities at fair value	'	'
Derivative financial instruments at fair value	30	31
Government Sponsored Enterprises [Member]	'	'
Total assets at fair value	10,075	29,065
Mortgage Backed Obligations of Federal Agencies [Member]	'	'
Total assets at fair value	1,166	1,201
Available for sale Securities [Member]	'	'
Total assets at fair value	11,241	30,266
Fair Value Inputs Level 1 [Member]	'	'
Total assets at fair value	'	'
Total liabilities at fair value	'	'
Derivative financial instruments at fair value	'	'
Fair Value Inputs Level 1 [Member] | Government Sponsored Enterprises [Member]	'	'
Total assets at fair value	'	'
Fair Value Inputs Level 1 [Member] | Mortgage Backed Obligations of Federal Agencies [Member]	'	'
Total assets at fair value	'	'
Fair Value Inputs Level 1 [Member] | Available for sale Securities [Member]	'	'
Total assets at fair value	'	'
Fair Value Inputs Level 2 [Member]	'	'
Total assets at fair value	11,241	30,266
Total liabilities at fair value	'	'
Derivative financial instruments at fair value	30	31
Fair Value Inputs Level 2 [Member] | Government Sponsored Enterprises [Member]	'	'
Total assets at fair value	10,075	29,065
Fair Value Inputs Level 2 [Member] | Mortgage Backed Obligations of Federal Agencies [Member]	'	'
Total assets at fair value	1,166	1,201
Fair Value Inputs Level 2 [Member] | Available for sale Securities [Member]	'	'
Total assets at fair value	11,241	30,266
Fair Value Inputs Level 3 [Member]	'	'
Total assets at fair value	'	'
Total liabilities at fair value	'	'
Derivative financial instruments at fair value	'	'
Fair Value Inputs Level 3 [Member] | Government Sponsored Enterprises [Member]	'	'
Total assets at fair value	'	'
Fair Value Inputs Level 3 [Member] | Mortgage Backed Obligations of Federal Agencies [Member]	'	'
Total assets at fair value	'	'
Fair Value Inputs Level 3 [Member] | Available for sale Securities [Member]	'	'
Total assets at fair value	'	'

6_Fair_Value_Details_2

6. Fair Value (Details 2) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Other Real Estate Owned Loans	$2,437	$2,628
Impaired loans	11,762	10,239
Assets Fair Value	14,199	12,867
Liabilities Fair Value	'	'
Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	'	'
Assets Fair Value	'	'
Liabilities Fair Value	'	'
Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	'	'
Assets Fair Value	'	'
Liabilities Fair Value	'	'
Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	11,762	10,239
Assets Fair Value	14,199	12,867
Liabilities Fair Value	'	'
Other Real Estate Owned	'	'
Impaired loans	2,437	2,628
Other Real Estate Owned | Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	'	'
Other Real Estate Owned | Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	'	'
Other Real Estate Owned | Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	2,437	2,628
Construction/Land Development [Member]	'	'
Impaired loans	9,804	8,156
Construction/Land Development [Member] | Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	'	'
Construction/Land Development [Member] | Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	'	'
Construction/Land Development [Member] | Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	9,804	8,156
Farmland [Member]	'	'
Impaired loans	'	'
Farmland [Member] | Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	'	'
Farmland [Member] | Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	'	'
Farmland [Member] | Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	'	'
Real Estate [Member]	'	'
Impaired loans	879	991
Real Estate [Member] | Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	'	'
Real Estate [Member] | Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	'	'
Real Estate [Member] | Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	879	991
Multi-Family [Member]	'	'
Impaired loans	'	'
Multi-Family [Member] | Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	'	'
Multi-Family [Member] | Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	'	'
Multi-Family [Member] | Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	'	'
Commercial Real Estate [Member]	'	'
Impaired loans	834	836
Commercial Real Estate [Member] | Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	'	'
Commercial Real Estate [Member] | Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	'	'
Commercial Real Estate [Member] | Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	834	836
Home Equity - Closed End [Member]	'	'
Impaired loans	158	163
Home Equity - Closed End [Member] | Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	'	'
Home Equity - Closed End [Member] | Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	'	'
Home Equity - Closed End [Member] | Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	158	163
Home Equity - Open End [Member]	'	'
Impaired loans	87	91
Home Equity - Open End [Member] | Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	'	'
Home Equity - Open End [Member] | Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	'	'
Home Equity - Open End [Member] | Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	87	91
Commercial & Industrial – Non-Real Estate	'	'
Impaired loans	'	'
Commercial & Industrial – Non-Real Estate | Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	'	'
Commercial & Industrial – Non-Real Estate | Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	'	'
Commercial & Industrial – Non-Real Estate | Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	'	'
Consumer [Member]	'	'
Impaired loans	'	2
Consumer [Member] | Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	'	'
Consumer [Member] | Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	'	'
Consumer [Member] | Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	'	2
Credit Cards [Member]	'	'
Impaired loans	'	'
Credit Cards [Member] | Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	'	'
Credit Cards [Member] | Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	'	'
Credit Cards [Member] | Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	'	'
Dealer Finance [Member]	'	'
Impaired loans	'	'
Dealer Finance [Member] | Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	'	'
Dealer Finance [Member] | Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	'	'
Dealer Finance [Member] | Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	'	'
Consumer [Member]	'	'
Impaired loans	'	'
Consumer [Member] | Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	'	'
Consumer [Member] | Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	'	'
Consumer [Member] | Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	'	'

7_Disclosures_About_Fair_Value2

7. Disclosures About Fair Value of Financial Instruments (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Financial Assets	'	'
Loans, Estimated Fair Value	$519,034	$512,250
Loans, Carrying value	487,327	478,453
Financial Liabilities	'	'
Time deposits, Estimated Fair Value	210,592	197,729
Time deposits, Carrying Value	193,503	196,004
Long-term debt, Estimated Fair Value	12,609	12,613
Long-term debt, Carrying Value	$11,500	$11,500

8_Troubled_Debt_Restructuring_1

8. Troubled Debt Restructuring (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014
Pre-Modification Outstanding Recorded Investment	$3,208
Post-Modification Outstanding Recorded Investment	3,208
Commercial Loan [Member]	'
Number of Contracts	6
Pre-Modification Outstanding Recorded Investment	2,328
Post-Modification Outstanding Recorded Investment	2,328
Real Estate [Member]	'
Number of Contracts	3
Pre-Modification Outstanding Recorded Investment	600
Post-Modification Outstanding Recorded Investment	600
Home Equity [Member]	'
Number of Contracts	2
Pre-Modification Outstanding Recorded Investment	280
Post-Modification Outstanding Recorded Investment	280
Credit Cards [Member]	'
Pre-Modification Outstanding Recorded Investment	'
Post-Modification Outstanding Recorded Investment	'
Consumer [Member]	'
Pre-Modification Outstanding Recorded Investment	'
Post-Modification Outstanding Recorded Investment	'