F & M Bank (FMBM) 10-Q 14 Nov 14 2014 Q3 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information	9 Months Ended
	Sep. 30, 2014	Nov. 12, 2014
Document And Entity Information	'	'
Entity Registrant Name	'F&M BANK CORP	'
Entity Central Index Key	'0000740806	'
Document Type	'10-Q	'
Document Period End Date	30-Sep-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	'	3,290,273
Document Fiscal Period Focus	'Q3	'
Document Fiscal Year Focus	'2014	'

Consolidated_Statements_of_Inc

Consolidated Statements of Income (Unaudited) (USD $)	3 Months Ended		9 Months Ended
In Thousands, except Share data, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Interest income	'	'	'	'
Interest and fees on loans held for investment	$6,665	$6,320	$19,443	$18,763
Interest and fees on loans held for sale	164	80	228	623
Interest on federal funds sold	7	17	31	36
Interest on interest bearing deposits	0	2	0	4
Interest on debt securities	37	39	136	140
Total interest income	6,873	6,458	19,838	19,566
Interest expense	'	'	'	'
Interest on demand deposits	165	198	501	608
Interest on savings accounts	31	29	88	91
Interest on time deposits over $100,000	145	197	453	601
Interest on other time deposits	273	378	857	1,203
Total interest on deposits	614	802	1,899	2,503
Interest on short-term debt	2	3	6	22
Interest on long-term debt	292	389	872	1,175
Total interest expense	908	1,194	2,777	3,700
Net interest income	5,965	5,264	17,061	15,866
Provision for loan losses	750	1,000	2,250	3,025
Net interest income after provision for loan losses	5,215	4,264	14,811	12,841
Noninterest income	'	'	'	'
Service charges	275	307	786	845
Insurance and other commissions	202	235	378	704
Other	400	387	1,192	1,163
Income on bank owned life insurance	118	128	349	380
Total noninterest income	995	1,057	2,705	3,092
Noninterest expense	'	'	'	'
Salaries	1,767	1,670	5,114	4,858
Employee benefits	514	521	1,491	1,631
Occupancy expense	150	148	465	468
Equipment expense	160	134	442	404
FDIC insurance assessment	180	180	540	546
Other	1,152	1,009	3,410	2,923
Total noninterest expense	3,923	3,662	11,462	10,830
Income before income taxes	2,287	1,659	6,054	5,103
Income tax expense	726	445	1,844	1,465
Consolidated net income	1,561	1,214	4,210	3,638
Net income - Noncontrolling interest (income) loss	8	-31	26	-106
Net Income - F & M Bank Corp	$1,569	$1,183	$4,236	$3,532
Per share data	'	'	'	'
Net income (basic and dilutive)	$0.48	$0.47	$1.38	$1.41
Cash dividends	$0.17	$0.17	$0.51	$0.51
Weighted average shares outstanding	3,289,743	2,503,509	3,061,432	2,501,990

Consolidated_Statements_of_Com

Consolidated Statements of Comprehensive Income (Unaudited) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Consolidated Statements Of Comprehensive Income	'	'	'	'
Net Income - F & M Bank Corp	$1,569	$1,183	$4,236	$3,532
Net Income (loss) attributable to noncontrolling interest	-8	31	-26	106
Total Net Income:	1,561	1,214	4,210	3,638
Unrealized holding gains (losses) on available-for-sale securities	25	52	20	-60
Tax effect	9	18	7	-20
Unrealized holding gain (loss), net of tax	16	34	13	-40
Total other comprehensive income (loss)	16	34	13	-40
Comprehensive income	$1,577	$1,248	$4,223	$3,598

Consolidated_Balance_Sheets

Consolidated Balance Sheets (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Assets	'	'
Cash and due from banks	$6,156	$5,835
Money market funds	1,039	708
Federal funds sold	16,165	2
Cash and cash equivalents	23,360	6,545
Securities:	'	'
Held to maturity - fair value of $125 in 2014 and $106 in 2013	125	106
Available for sale	11,275	30,266
Other investments	7,898	8,114
Loans held for sale	16,131	3,804
Loans held for investment	506,846	478,453
Less allowance for loan losses	-8,601	-8,184
Net loans held for investment	498,245	470,269
Other real estate owned	3,956	2,628
Bank premises and equipment, net	6,468	6,525
Interest receivable	1,536	1,498
Goodwill	2,670	2,670
Bank owned life insurance	12,465	12,122
Other assets	10,444	8,241
Total assets	594,573	552,788
Liabilities	'	'
Noninterest bearing	110,700	92,397
Interest bearing:	'	'
Demand	91,669	92,562
Money market accounts	25,222	24,894
Savings	63,401	58,292
Time deposits over $100,000	78,311	69,674
All other time deposits	118,338	126,330
Total deposits	487,641	464,149
Short-term debt	3,784	3,423
Accrued liabilities	9,043	9,384
Subordinated debt	10,191	10,191
Long-term debt	15,000	11,500
Total liabilities	525,659	498,647
Stockholders' Equity	'	'
Common stock, $5 par value, 6,000,000 shares authorized, 3,290,381 and 2,511,735 shares issued and outstanding in 2014 and 2013, respectively	16,452	12,559
Retained earnings	52,967	42,089
Noncontrolling interest	407	418
Accumulated other comprehensive loss	-912	-925
Total stockholders' equity	68,914	54,141
Total liabilities and stockholders' equity	$594,573	$552,788

Consolidated_Balance_Sheets_Pa

Consolidated Balance Sheets (Parenthetical) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, except Share data, unless otherwise specified
Assets	'	'
Held to maturity - fair value	$125	$106
STOCKHOLDERS EQUITY:	'	'
Common stock, par value	$5	$5
Common stock shares authorized	6,000,000	6,000,000
Common stock shares issued	3,290,381	2,511,735
Common stock shares outstanding	3,290,381	2,511,735

Consolidated_Statements_of_Cas

Consolidated Statements of Cash Flows (Unaudited) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013
Cash flows from operating activities	'	'
Net income	$4,236	$3,532
Adjustments to reconcile net income to net cash provided by operating activities:	'	'
Depreciation	449	433
Amortization of security premiums, net	61	28
Loans held for sale originated	-41,385	-68,116
Sale of loans held for sale originated	39,799	77,541
Provision for loan losses	2,250	3,025
(Increase) decrease in interest receivable	-38	188
(Increase) decrease in other assets	-2,492	702
Increase (decrease) in accrued expenses	-65	888
Amortization of limited partnership investments	456	438
Income from life insurance investment	-348	-380
(Gain) loss on Other Real Estate Owned	43	-4
Net adjustments	-1,270	14,743
Net cash provided by operating activities	2,966	18,275
Cash flows from investing activities	'	'
Purchase of investments available for sale	-8,614	-7,067
Proceeds from maturity of investments available for sale	27,323	8,446
Purchase of investments held to maturity	-125	0
Proceeds from maturity of investments held to maturity	106	0
Net (increase) decrease in loans held for investment	-10,740	-16,239
Net (increase) decrease in loans held for sale participations	-32,376	65,005
Proceeds from the sale of other real estate owned	779	525
Purchase of property and equipment	-391	-365
Net cash (used in) investing activities	-24,038	50,305
Cash flows from financing activities	'	'
Net change in demand and savings deposits	22,845	12,700
Net change in time deposits	646	-4,728
Net change in short-term debt	361	-31,117
Cash dividends paid	-1,545	-1,277
Proceeds from issuance of common stock	12,080	82
Proceeds from long-term debt	10,000	'
Repayment of long-term debt	-6,500	-21,036
Net cash provided by (used in) financing activities	37,887	-45,376
Net increase in Cash and cash equivalents	16,815	23,204
Cash and cash equivalents, beginning of period	6,545	8,997
Cash and cash equivalents, end of period	23,360	32,201
Supplemental disclosure	'	'
Cash paid for Interest expense	2,745	2,600
Cash paid for Income taxes	1,300	800
Transfers from loans to Other Real Estate Owned	2,930	416
Noncash exchange of other real estate owned	($780)	$409

Consolidated_Statements_of_Cha

Consolidated Statements of Changes in Stockholders' Equity (Unaudited) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013
Consolidated Statements Of Changes In Stockholders Equity	'	'
Balance, beginning of period	$54,141	$49,384
Comprehensive income	'	'
Net income - F & M Bank Corp	4,236	3,532
Net income attributable to noncontrolling interest	-26	106
Net change in unrealized appreciation on securities available for sale, net of taxes	13	-40
Total comprehensive income	4,223	3,598
Minority Interest Capital Distributions	15	-51
Issuance of common stock	12,080	82
Dividends declared	-1,545	-1,277
Balance, end of period	$68,914	$51,736

1_Accounting_Principles

1. Accounting Principles	9 Months Ended
	Sep. 30, 2014
Accounting Principles	'
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 September 30, 2014 and the results of operations for the quarters and nine month periods ended September 30, 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.
	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	9 Months Ended
	Sep. 30, 2014
Investment Securities	'
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 September 30, 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 September 30, 2014 and December 31, 2013 are as follows (in thousands):
		2014					2013
				Market					Market
		Cost		Value			Cost		Value
	Securities held to maturity
	U. S. Treasury and agency obligations	$	125	$	125		$	106	$	106
	Total	$	125	$	125		$	106	$	106
		30-Sep-14
				Unrealized					Market
		Cost		Gains			Losses		Value
	Securities available for sale
	U. S. Treasury	$	4,029	$	-		$	8	$	4,021
	Government sponsored enterprises		6,050		11			7		6,054
	Mortgage-backed securities		1,060		5			-		1,065
	Corporate equities		135		-			-		135
	Total	$	11,274	$	16		$	15	$	11,275
		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 September 30, 2014, by contractual maturity are shown below (in thousands).  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	$	125	$	125		$	-	$	-
	Due after one year through five years		-		-			10,079		10,075
	Due after five years		-		-			1,195		1,200
	Total	$	125	$	125		$	11,274	$	11,275
	There were no gains and losses on sales of securities in the third quarter or nine month period ended September 30 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 September 30, 2014 and December 31, 2013 were as follows (dollars in thousands):
		Less than 12 Months					More than 12 Months					Total
		Fair		Unrealized Losses			Fair		Unrealized Losses			Fair		Unrealized Losses
		Value					Value					Value
	30-Sep-14
	U. S. Treasury	$	4,021	$	(8	)	$	-	$	-		$	4,021	$	(8	)
	Government sponsored Enterprises		1,996		(4	)		2,008		(3	)		4,004		(7	)
	Total	$	6,017	$	(12	)	$	2,008	$	(3	)	$	8,025	$	(15	)
	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 which were partially offset with an increase in the Federal Reserve Bank Stock holding requirement.
		2014		2013
	Construction/Land Development	$	69,654	$	68,512
	Farmland		11,955		13,197
	Real Estate		155,302		154,628
	Multi-Family		11,461		11,797
	Commercial Real Estate		120,939		113,415
	Home Equity – closed end		9,519		10,228
	Home Equity – open end		51,446		47,358
	Commercial & Industrial – Non-Real Estate		26,454		25,903
	Consumer		9,980		10,163
	Dealer Finance		37,610		20,572
	Credit Cards		2,526		2,680
	Total	$	506,846	$	478,453

3_Loans_Held_for_Investment

3. Loans Held for Investment	9 Months Ended
	Sep. 30, 2014
Loans Held For Investment	'
3. Loans Held for Investment	'
	Loans outstanding at September 30, 2014 and December 31, 2013 are summarized as follows (in thousands):
	The following is a summary of information pertaining to impaired loans (in thousands):
				Unpaid				Average		Interest
	September 30, 2014	Recorded		Principal		Related		Recorded		Income
		Investment		Balance		Allowance		Investment		Recognized
	Impaired loans without a valuation allowance:
	Construction/Land Development	$	4,547	$	5,130	$	-	$	5,726	$	110
	Farmland		1,444		1,445		-		1,457		42
	Real Estate		142		142		-		286		4
	Multi-Family		-		-		-		-		-
	Commercial Real Estate		1,448		1,747		-		1,283		60
	Home Equity – closed end		-		-		-		221		-
	Home Equity – open end		-		-		-		20		-
	Commercial & Industrial – Non-Real Estate		194		194		-		205		8
	Consumer		-		-		-		-		-
	Credit cards		-		-		-		-		-
	Dealer Finance		-		-		-		-		-
			7,775		8,658				9,198		224
	Impaired loans with a valuation allowance
	Construction/Land Development		11,293		12,484		1,440		10,789		241
	Farmland		-		-		-		-		-
	Real Estate		914		914		118		900		46
	Multi-Family		-		-		-		-		-
	Commercial Real Estate		1,015		1,015		68		1,050		7
	Home Equity – closed end		-		-		-		142		-
	Home Equity – open end		-		-		-		40		-
	Commercial & Industrial – Non-Real Estate		-		-		-		-		-
	Consumer		-		-		-		-		-
	Credit cards		-		-		-		-		-
	Dealer Finance		-		-		-		-		-
			13,222		14,413		1,626		12,921		294
	Total impaired loans	$	20,997	$	23,071	$	1,626	$	22,119	$	518
	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	$	4,543	$	5,125	$	-	$	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		-		-		-		-		-
			7,452		8,034				8,738		316
	Impaired loans with a valuation allowance
	Construction/Land Development		9,716		11,141		1,560		10,855		175
	Farmland		-		-		-		-		-
	Real Estate		1,145		1,145		154		966		48
	Multi-Family		-		-		-		-		-
	Commercial Real Estate		1,118		1,418		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		-		-		-		-		-
			12,261		13,986		2,022		13,636		236
	Total impaired loans	$	19,713	$	22,020	$	2,022	$	22,374	$	552

4_Allowance_for_Loan_Losses

4. Allowance for Loan Losses	9 Months Ended
	Sep. 30, 2014
Allowance For Loan Losses	'
4. Allowance for Loan Losses	'
		A summary of the allowance for loan losses follows (in thousands):
	30-Sep-14		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		$	1,191	$	14	$	1,128		$	3,958			46.03	%	$	1,440	$	2,518
	Farmland			(2	)		-		-		-			(2	)		(.02	%)		-		(2	)
	Real Estate			400			205		-		158			353			4.1	%		118		235
	Multi-Family			-			-		-		-			-						-		-
	Commercial Real Estate			777			-		32		(194	)		615			7.14	%		68		547
	Home Equity – closed end			157			-		-		(15	)		142			1.65	%		-		142
	Home Equity – open end			476			79		-		130			527			6.13	%		-		527
	Commercial & Industrial – Non-Real Estate			1,464			385		49		403			1,531			17.8	%		-		1,531
	Consumer			156			32		23		23			170			1.98	%		-		170
	Dealer Finance			628			60		5		616			1,189			13.82	%		-		1,189
	Credit Cards			121			35		31		1			118			1.37	%		-		118
	Total		$	8,184		$	1,987	$	154	$	2,250		$	8,601			100	%	$	1,626	$	6,975
	31-Dec-13		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			1.9	%		-		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
	30-Sep-14		Loan Receivable			Individually Evaluated for Impairment		Collectively Evaluated for Impairment
	Construction/Land Development		$	69,654		$	15,840	$	53,814
	Farmland			11,955			1,444		10,511
	Real Estate			155,302			1,056		154,246
	Multi-Family			11,461			-		11,461
	Commercial Real Estate			120,939			2,463		118,476
	Home Equity – closed end			9,519			-		9,519
	Home Equity –open end			51,446			-		51,446
	Commercial & Industrial – Non-Real Estate			26,454			194		26,260
	Consumer			9,980			-		9,980
	Dealer Finance			37,610			-		37,610
	Credit Cards			2,526			-		2,526
	Total		$	506,846		$	20,997	$	485,849
	Recorded Investment in Loan Receivables (in thousands)
	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
	Total		$	478,453		$	19,713	$	458,740
	Aging of Past Due Loans Receivable (in thousands) as of September 30, 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
	30-Sep-14
	Construction/Land Development		$	1,217		$	200	$	-	$	4,928		$	6,345		$	63,309		$	69,654
	Farmland			97			-		-		-			97			11,858			11,955
	Real Estate			2,329			536		-		657			3,522			151,780			155,302
Multi-Family			-			-		-		-			-			11,461			11,461
Commercial Real Estate			74			-		-		1,319			1,393			119,546			120,939
Home Equity – closed end			95			15		10		-			120			9,399			9,519
Home Equity – open end			532			10		-		23			565			50,881			51,446
Commercial & Industrial – Non- Real Estate			39			5		-		15			59			26,395			26,454
Consumer			89			106		11		3			209			9,771			9,980
Dealer Finance			301			98		75		12			486			37,124			37,610
Credit Cards			15			1		-		-			16			2,510			2,526
Total		$	4,788		$	971	$	96	$	6,957		$	12,812		$	494,034		$	506,846
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 SEPTEMBER 30, 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		$	-		$	167	$	8,228	$	25,851		$	8,394		$	4,134		$	22,880	$	-		$	69,654
Farmland			68			-		1,582		3,257			4,913			-			2,135		-			11,955
Real Estate			-			635		59,484		62,139			23,260			7,311			2,473		-			155,302
Multi-Family			-			487		4,189		2,207			4,578						-		-			11,461
Commercial Real Estate			-			1,449		22,315		64,766			18,890			10,820			2,699		-			120,939
Home Equity – closed end			-			-		4,473		3,039			1,832			163			12		-			9,519
Home Equity – open end			-			1,535		13,153		28,219			4,123			1,859			2,557		-			51,446
Commercial & Industrial (Non-Real Estate)			684			76		4,129		16,226			4,597			725			17		-			26,454
Total		$	752		$	4,349	$	117,553	$	205,704		$	70,587		$	25,012		$	32,773	$	-		$	456,730
Consumer Credit Exposure
Credit Risk Profile Based on Payment Activity
		Credit Cards			Consumer
Performing		$	2,526		$	47,489
Non performing			-			101
Total		$	2,526		$	47,590
(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	9 Months Ended
	Sep. 30, 2014
Employee Benefit Plan	'
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 nine month and three month periods ended September 30, 2014 and 2013.
		Nine Months Ended						Three Months Ended
		30-Sep			September 30,			September 30,			September 30,
		2014			2013			2014			2013
	Service cost	$	375,771		$	449,949		$	125,257		$	149,983
	Interest cost		283,281			262,734			94,427			87,578
	Expected return on plan assets		(523,689	)		(477,060	)		(174,563	)		(159,020	)
	Amortization of net obligation at transition		-			-			-			-
	Amortization of prior service cost		(11,427	)		(11,427	)		(3,809	)		(3,809	)
	Amortization of net (gain) or loss		27,084			152,388			9,028			50,796
	Net periodic pension cost	$	151,020		$	376,584		$	50,340		$	125,528

6_Fair_Value

6. Fair Value	9 Months Ended
	Sep. 30, 2014
Fair Value	'
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. Treasury, 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 September 30, 2014 and December 31, 2013, the significant unobservable inputs used in the fair value measurements were as follows:
		Fair Value at		Valuation Technique		Significant Unobservable Inputs	Range
		September 30,
		2014
	Impaired Loans	$	11,596	Discounted appraised value		Discount for selling costs and age of appraisals	15%-55%
	Other Real Estate Owned	$	3,956	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 (in thousands).
	30-Sep-14	Total			Level 1			Level 2		Level 3
	U.S. Treasury Securities	$	4,021		$	-		$	4,021
	Government sponsored enterprises		6,054			-			6,054		-
	Mortgage-backed obligations of federal agencies		1,065			-			1,065		-
	Corporate equities		135			-			135		-
	Investment securities available for sale	$	11,275		$	-		$	11,275	$	-
	Total assets at fair value	$	11,275		$	-		$	11,275	$	-
	Total liabilities at fair value	$	-		$	-		$	-	$	-
	Derivative financial instruments at fair value	$	33		$	-		$	33	$	-
	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
	30-Sep-14	Total			Level 1			Level 2		Level 3
	Other Real Estate Owned	$	3,956			-			-	$	3,956
						-			-
	Construction/Land Development		9,854			-			-		9,854
	Farmland		-			-			-		-
	Real Estate		796			-			-		796
	Multi-Family		-			-			-		-
	Commercial Real Estate		946			-			-		946
	Home Equity – closed end		-			-			-		-
	Home Equity – open end		-			-			-		-
	Commercial & Industrial – Non-Real Estate		-			-			-		-
	Consumer		-			-			-		-
	Credit cards		-			-			-		-
	Dealer Finance		-			-			-		-
	Total Impaired loans		11,596			-			-		11,596
	Total assets at fair value	$	15,552		$	-		$	-	$	15,552
	Total liabilities at fair value	$	-		$	-		$	-	$	-
	The table below presents the recorded amount of assets and liabilities measured at fair value on a non-recurring basis (in thousands).  The Company has determined that Other Real Estate Owned and Impaired Loans are Level 3.
	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	9 Months Ended
	Sep. 30, 2014
Disclosures About Fair Value Of Financial Instruments	'
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 September 30, 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 above and below are considered Level 2 with the exception of impaired loans of $11,596,000 and $10,239,000 at September 30, 2014 and December 31, 2013, respectively, which are considered level 3.  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 (in thousands).
		30-Sep-14				31-Dec-13
		Estimated		Carrying		Estimated		Carrying
		Fair Value		Value		Fair Value		Value
	Financial Assets
	Loans, gross	$	537,765	$	506,846	$	512,250	$	478,453
	Financial Liabilities
	Time deposits	$	198,070	$	196,649	$	197,729	$	196,004
	Long-term debt	$	27,651	$	25,191	$	23,791	$	21,691
	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	9 Months Ended
	Sep. 30, 2014
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Asset Types	'
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.
	In the nine months ended September 30, 2014, there were three (one loan during quarter ended September 30, 2014) 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.
	There were no troubled debt restructurings from the previous twelve months that went into default in 2014.  A restructured loan is considered in default when it becomes 90 days past due.
		Nine months ended September 30, 2014
			Pre-Modification		Post-Modification
			Outstanding		Outstanding
		Number of Contracts	Recorded Investment		Recorded Investment
	Troubled Debt Restructurings
	Commercial		$	-	$	-
	Real Estate	2		181		181
	Home Equity			-		-
	Credit Cards			-		-
	Consumer	1		23		23
	Total		$	204	$	204
	During the nine months and quarter ended, September 30, 2013, there was one real estate loan modification that was considered to be troubled debt restructuring.
	There were also no troubled debt restructurings from the previous twelve months that went into default in the nine months and quarter ended September 30, 2013.  A restructured loan is considered in default when it becomes 90 days past due.
		Nine months ended September 30, 2013
			Pre-Modification		Post-Modification
			Outstanding		Outstanding
		Number of Contracts	Recorded Investment		Recorded Investment
	Troubled Debt Restructurings
	Commercial		$	-	$	-
	Real Estate	1		50		50
	Home Equity			-		-
	Credit Cards			-		-
	Consumer			-		-
	Total		$	50	$	50

1_Accounting_Principles_Polici

1. Accounting Principles (Policies)	9 Months Ended
	Sep. 30, 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 September 30, 2014 and the results of operations for the quarters and nine month periods ended September 30, 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)	9 Months Ended
	Sep. 30, 2014
Investment Securities Tables	'
Securities Impairment	'
		2014					2013
				Market					Market
		Cost		Value			Cost		Value
	Securities held to maturity
	U. S. Treasury and agency obligations	$	125	$	125		$	106	$	106
	Total	$	125	$	125		$	106	$	106
		30-Sep-14
				Unrealized					Market
		Cost		Gains			Losses		Value
	Securities available for sale
	U. S. Treasury	$	4,029	$	-		$	8	$	4,021
	Government sponsored enterprises		6,050		11			7		6,054
	Mortgage-backed securities		1,060		5			-		1,065
	Corporate equities		135		-			-		135
	Total	$	11,274	$	16		$	15	$	11,275
		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	'
		Securities Held to Maturity					Securities Available for Sale
		Amortized		Fair			Amortized		Fair
		Cost		Value			Cost		Value
	Due in one year or less	$	125	$	125		$	-	$	-
	Due after one year through five years		-		-			10,079		10,075
	Due after five years		-		-			1,195		1,200
	Total	$	125	$	125		$	11,274	$	11,275
Schedule of Securities with Unrealized Losses	'
		Less than 12 Months					More than 12 Months					Total
		Fair		Unrealized Losses			Fair		Unrealized Losses			Fair		Unrealized Losses
		Value					Value					Value
	30-Sep-14
	U. S. Treasury	$	4,021	$	(8	)	$	-	$	-		$	4,021	$	(8	)
	Government sponsored Enterprises		1,996		(4	)		2,008		(3	)		4,004		(7	)
	Total	$	6,017	$	(12	)	$	2,008	$	(3	)	$	8,025	$	(15	)
	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)	9 Months Ended
	Sep. 30, 2014
Loans Held For Investment Tables	'
Schedule of Loans Outstanding	'
		2014		2013
	Construction/Land Development	$	69,654	$	68,512
	Farmland		11,955		13,197
	Real Estate		155,302		154,628
	Multi-Family		11,461		11,797
	Commercial Real Estate		120,939		113,415
	Home Equity – closed end		9,519		10,228
	Home Equity – open end		51,446		47,358
	Commercial & Industrial – Non-Real Estate		26,454		25,903
	Consumer		9,980		10,163
	Dealer Finance		37,610		20,572
	Credit Cards		2,526		2,680
	Total	$	506,846	$	478,453
Schedule Impaired Loans	'
	The following is a summary of information pertaining to impaired loans (in thousands):
				Unpaid				Average		Interest
	September 30, 2014	Recorded		Principal		Related		Recorded		Income
		Investment		Balance		Allowance		Investment		Recognized
	Impaired loans without a valuation allowance:
	Construction/Land Development	$	4,547	$	5,130	$	-	$	5,726	$	110
	Farmland		1,444		1,445		-		1,457		42
	Real Estate		142		142		-		286		4
	Multi-Family		-		-		-		-		-
	Commercial Real Estate		1,448		1,747		-		1,283		60
	Home Equity – closed end		-		-		-		221		-
	Home Equity – open end		-		-		-		20		-
	Commercial & Industrial – Non-Real Estate		194		194		-		205		8
	Consumer		-		-		-		-		-
	Credit cards		-		-		-		-		-
	Dealer Finance		-		-		-		-		-
			7,775		8,658				9,198		224
	Impaired loans with a valuation allowance
	Construction/Land Development		11,293		12,484		1,440		10,789		241
	Farmland		-		-		-		-		-
	Real Estate		914		914		118		900		46
	Multi-Family		-		-		-		-		-
	Commercial Real Estate		1,015		1,015		68		1,050		7
	Home Equity – closed end		-		-		-		142		-
	Home Equity – open end		-		-		-		40		-
	Commercial & Industrial – Non-Real Estate		-		-		-		-		-
	Consumer		-		-		-		-		-
	Credit cards		-		-		-		-		-
	Dealer Finance		-		-		-		-		-
			13,222		14,413		1,626		12,921		294
	Total impaired loans	$	20,997	$	23,071	$	1,626	$	22,119	$	518
	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	$	4,543	$	5,125	$	-	$	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		-		-		-		-		-
			7,452		8,034				8,738		316
	Impaired loans with a valuation allowance
	Construction/Land Development		9,716		11,141		1,560		10,855		175
	Farmland		-		-		-		-		-
	Real Estate		1,145		1,145		154		966		48
	Multi-Family		-		-		-		-		-
	Commercial Real Estate		1,118		1,418		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		-		-		-		-		-
			12,261		13,986		2,022		13,636		236
	Total impaired loans	$	19,713	$	22,020	$	2,022	$	22,374	$	552

4_Allowance_for_Loan_Losses_Ta

4. Allowance for Loan Losses (Tables)	9 Months Ended
	Sep. 30, 2014
Allowance For Loan Losses Tables	'
Summary Loan Loss Allowance Transactions	'
		A summary of the allowance for loan losses follows (in thousands):
	30-Sep-14		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		$	1,191	$	14	$	1,128		$	3,958			46.03	%	$	1,440	$	2,518
	Farmland			(2	)		-		-		-			(2	)		(.02	%)		-		(2	)
	Real Estate			400			205		-		158			353			4.1	%		118		235
	Multi-Family			-			-		-		-			-						-		-
	Commercial Real Estate			777			-		32		(194	)		615			7.14	%		68		547
	Home Equity – closed end			157			-		-		(15	)		142			1.65	%		-		142
	Home Equity – open end			476			79		-		130			527			6.13	%		-		527
	Commercial & Industrial – Non-Real Estate			1,464			385		49		403			1,531			17.8	%		-		1,531
	Consumer			156			32		23		23			170			1.98	%		-		170
	Dealer Finance			628			60		5		616			1,189			13.82	%		-		1,189
	Credit Cards			121			35		31		1			118			1.37	%		-		118
	Total		$	8,184		$	1,987	$	154	$	2,250		$	8,601			100	%	$	1,626	$	6,975
	31-Dec-13		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			1.9	%		-		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	'
	30-Sep-14		Loan Receivable			Individually Evaluated for Impairment		Collectively Evaluated for Impairment
	Construction/Land Development		$	69,654		$	15,840	$	53,814
	Farmland			11,955			1,444		10,511
	Real Estate			155,302			1,056		154,246
	Multi-Family			11,461			-		11,461
	Commercial Real Estate			120,939			2,463		118,476
	Home Equity – closed end			9,519			-		9,519
	Home Equity –open end			51,446			-		51,446
	Commercial & Industrial – Non-Real Estate			26,454			194		26,260
	Consumer			9,980			-		9,980
	Dealer Finance			37,610			-		37,610
	Credit Cards			2,526			-		2,526
	Total		$	506,846		$	20,997	$	485,849
	Recorded Investment in Loan Receivables (in thousands)
	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
	Total		$	478,453		$	19,713	$	458,740
Schedule of Aging of Past Due Receivables	'
	Aging of Past Due Loans Receivable (in thousands) as of September 30, 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
	30-Sep-14
	Construction/Land Development		$	1,217		$	200	$	-	$	4,928		$	6,345		$	63,309		$	69,654
	Farmland			97			-		-		-			97			11,858			11,955
	Real Estate			2,329			536		-		657			3,522			151,780			155,302
	Multi-Family			-			-		-		-			-			11,461			11,461
	Commercial Real Estate			74			-		-		1,319			1,393			119,546			120,939
	Home Equity – closed end			95			15		10		-			120			9,399			9,519
	Home Equity – open end			532			10		-		23			565			50,881			51,446
	Commercial & Industrial – Non- Real Estate			39			5		-		15			59			26,395			26,454
	Consumer			89			106		11		3			209			9,771			9,980
	Dealer Finance			301			98		75		12			486			37,124			37,610
	Credit Cards			15			1		-		-			16			2,510			2,526
	Total		$	4,788		$	971	$	96	$	6,957		$	12,812		$	494,034		$	506,846
	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	'
	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		$	-		$	167	$	8,228	$	25,851		$	8,394		$	4,134		$	22,880	$	-		$	69,654
	Farmland			68			-		1,582		3,257			4,913			-			2,135		-			11,955
	Real Estate			-			635		59,484		62,139			23,260			7,311			2,473		-			155,302
	Multi-Family			-			487		4,189		2,207			4,578						-		-			11,461
	Commercial Real Estate			-			1,449		22,315		64,766			18,890			10,820			2,699		-			120,939
	Home Equity – closed end			-			-		4,473		3,039			1,832			163			12		-			9,519
	Home Equity – open end			-			1,535		13,153		28,219			4,123			1,859			2,557		-			51,446
	Commercial & Industrial (Non-Real Estate)			684			76		4,129		16,226			4,597			725			17		-			26,454
	Total		$	752		$	4,349	$	117,553	$	205,704		$	70,587		$	25,012		$	32,773	$	-		$	456,730
	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	'
	Consumer Credit Exposure
	Credit Risk Profile Based on Payment Activity
			Credit Cards			Consumer
	Performing		$	2,526		$	47,489
	Non performing			-			101
	Total		$	2,526		$	47,590
	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)	9 Months Ended
	Sep. 30, 2014
Employee Benefit Plan Tables	'
Schedule of Employee Benefit Plan	'
		Nine Months Ended						Three Months Ended
		30-Sep			September 30,			September 30,			September 30,
		2014			2013			2014			2013
	Service cost	$	375,771		$	449,949		$	125,257		$	149,983
	Interest cost		283,281			262,734			94,427			87,578
	Expected return on plan assets		(523,689	)		(477,060	)		(174,563	)		(159,020	)
	Amortization of net obligation at transition		-			-			-			-
	Amortization of prior service cost		(11,427	)		(11,427	)		(3,809	)		(3,809	)
	Amortization of net (gain) or loss		27,084			152,388			9,028			50,796
	Net periodic pension cost	$	151,020		$	376,584		$	50,340		$	125,528

6_Fair_Value_Tables

6. Fair Value (Tables)	9 Months Ended
	Sep. 30, 2014
Fair Value Tables	'
Fair value measurements	'
		Fair Value at		Valuation Technique		Significant Unobservable Inputs	Range
		September 30,
		2014
	Impaired Loans	$	11,596	Discounted appraised value		Discount for selling costs and age of appraisals	15%-55%
	Other Real Estate Owned	$	3,956	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 (in thousands).
	30-Sep-14	Total			Level 1			Level 2		Level 3
	U.S. Treasury Securities	$	4,021		$	-		$	4,021
	Government sponsored enterprises		6,054			-			6,054		-
	Mortgage-backed obligations of federal agencies		1,065			-			1,065		-
	Corporate equities		135			-			135		-
	Investment securities available for sale	$	11,275		$	-		$	11,275	$	-
	Total assets at fair value	$	11,275		$	-		$	11,275	$	-
	Total liabilities at fair value	$	-		$	-		$	-	$	-
	Derivative financial instruments at fair value	$	33		$	-		$	33	$	-
	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
	30-Sep-14	Total			Level 1			Level 2		Level 3
	Other Real Estate Owned	$	3,956			-			-	$	3,956
						-			-
	Construction/Land Development		9,854			-			-		9,854
	Farmland		-			-			-		-
	Real Estate		796			-			-		796
	Multi-Family		-			-			-		-
	Commercial Real Estate		946			-			-		946
	Home Equity – closed end		-			-			-		-
	Home Equity – open end		-			-			-		-
	Commercial & Industrial – Non-Real Estate		-			-			-		-
	Consumer		-			-			-		-
	Credit cards		-			-			-		-
	Dealer Finance		-			-			-		-
	Total Impaired loans		11,596			-			-		11,596
	Total assets at fair value	$	15,552		$	-		$	-	$	15,552
	Total liabilities at fair value	$	-		$	-		$	-	$	-
	The table below presents the recorded amount of assets and liabilities measured at fair value on a non-recurring basis (in thousands).  The Company has determined that Other Real Estate Owned and Impaired Loans are Level 3.
	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)	9 Months Ended
	Sep. 30, 2014
Disclosures About Fair Value Of Financial Instruments Tables	'
Carrying Value and Estimated Fair Value for Financial Instruments	'
		30-Sep-14				31-Dec-13
		Estimated		Carrying		Estimated		Carrying
		Fair Value		Value		Fair Value		Value
	Financial Assets
	Loans, gross	$	537,765	$	506,846	$	512,250	$	478,453
	Financial Liabilities
	Time deposits	$	198,070	$	196,649	$	197,729	$	196,004
	Long-term debt	$	27,651	$	25,191	$	23,791	$	21,691

8_Troubled_Debt_Restructuring_

8. Troubled Debt Restructuring (Tables)	9 Months Ended
	Sep. 30, 2014
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Asset Types	'
Troubled debt restructuring	'
		Nine months ended September 30, 2014
			Pre-Modification		Post-Modification
			Outstanding		Outstanding
		Number of Contracts	Recorded Investment		Recorded Investment
	Troubled Debt Restructurings
	Commercial		$	-	$	-
	Real Estate	2		181		181
	Home Equity			-		-
	Credit Cards			-		-
	Consumer	1		23		23
	Total		$	204	$	204
		Nine months ended September 30, 2013
			Pre-Modification		Post-Modification
			Outstanding		Outstanding
		Number of Contracts	Recorded Investment		Recorded Investment
	Troubled Debt Restructurings
	Commercial		$	-	$	-
	Real Estate	1		50		50
	Home Equity			-		-
	Credit Cards			-		-
	Consumer			-		-
	Total		$	50	$	50

2_Investment_Securities_Detail

2. Investment Securities (Details) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2013
Available-for-Sale Securities	'	'
Amortized Cost	$11,274	$30,285
Gross Unrealized Gains	16	11
Gross Unrealized Losses	15	30
Market Value	11,275	30,266
Held-to-Maturity Securities	'	'
Amortized Cost - Held-to-Maturity	125	106
Market Value - Held-to-Maturity	125	106
U. S. Treasury and agency obligations [Member]	'	'
Held-to-Maturity Securities	'	'
Amortized Cost - Held-to-Maturity	125	106
Market Value - Held-to-Maturity	125	106
U. S. Treasury	'	'
Available-for-Sale Securities	'	'
Amortized Cost	4,029	'
Gross Unrealized Gains	0	'
Gross Unrealized Losses	8	'
Market Value	4,021	'
Government sponsored enterprises [Member]	'	'
Available-for-Sale Securities	'	'
Amortized Cost	6,050	29,076
Gross Unrealized Gains	11	11
Gross Unrealized Losses	7	22
Market Value	6,054	29,065
Mortgage Backed Securities [Member]	'	'
Available-for-Sale Securities	'	'
Amortized Cost	1,060	1,209
Gross Unrealized Gains	5	0
Gross Unrealized Losses	0	8
Market Value	1,065	1,201
Corporate equities	'	'
Available-for-Sale Securities	'	'
Amortized Cost	135	'
Gross Unrealized Gains	0	'
Gross Unrealized Losses	0	'
Market Value	$135	'

2_Investment_Securities_Detail1

2. Investment Securities (Details 1) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Total, Amortized Cost	$125	$106
Total, Fair Value	125	106
Held to maturity Securities [Member]	'	'
Due in one year or less, Amortized Cost	125	'
Due after one year through five years, Amortized Cost	0	'
Due after five years, Amortized Cost	0	'
Due in one year or less, Fair Value	125	'
Due after one year through five years, Fair Value	0	'
Due after five years, Fair Value	0	'
Total, Amortized Cost	125	'
Total, Fair Value	125	'
Available for sale Securities [Member]	'	'
Due in one year or less, Amortized Cost	0	'
Due after one year through five years, Amortized Cost	10,079	'
Due after five years, Amortized Cost	1,195	'
Due in one year or less, Fair Value	0	'
Due after one year through five years, Fair Value	10,075	'
Due after five years, Fair Value	1,200	'
Total, Amortized Cost	11,274	'
Total, Fair Value	$11,275	'

Recovered_Sheet1

2. Investment securities (Details 2) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Fair Value Less than 12 Months	$6,017	$6,175
Unrealized Losses Less than 12 Months	-12	-30
Fair Value More than 12 Months	2,008	0
Unrealized Losses More than 12 Months	-3	0
Fair Value Total	8,025	6,175
Unrealized Losses Total	-15	-30
U. S. Treasury	'	'
Fair Value Less than 12 Months	4,021	'
Unrealized Losses Less than 12 Months	-8	'
Fair Value More than 12 Months	0	'
Unrealized Losses More than 12 Months	0	'
Fair Value Total	4,021	'
Unrealized Losses Total	-8	'
Government Sponsored Enterprises [Member]	'	'
Fair Value Less than 12 Months	1,996	4,984
Unrealized Losses Less than 12 Months	-4	-22
Fair Value More than 12 Months	2,008	0
Unrealized Losses More than 12 Months	-3	0
Fair Value Total	4,004	4,984
Unrealized Losses Total	-7	-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	'	0
Unrealized Losses More than 12 Months	'	0
Fair Value Total	'	1,191
Unrealized Losses Total	'	($8)

3_Loans_Held_for_Investment_De

3. Loans Held for Investment (Details) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Loans outstanding	$506,846	$478,453
Construction/Land Development [Member]	'	'
Loans outstanding	69,654	68,512
Farmland [Member]	'	'
Loans outstanding	11,955	13,197
Real Estate [Member]	'	'
Loans outstanding	155,302	154,628
Multi-Family [Member]	'	'
Loans outstanding	11,461	11,797
Commercial Real Estate [Member]	'	'
Loans outstanding	120,939	113,415
Home Equity - Closed End [Member]	'	'
Loans outstanding	9,519	10,228
Home Equity - Open End [Member]	'	'
Loans outstanding	51,446	47,358
Commercial & Industrial - Non-Real Estate	'	'
Loans outstanding	26,454	25,903
Consumer [Member]	'	'
Loans outstanding	9,980	10,163
Dealer Finance [Member]	'	'
Loans outstanding	37,610	20,572
Credit Cards [Member]	'	'
Loans outstanding	$2,526	$2,680

3_Loans_Held_for_Investment_De1

3. Loans Held for Investment (Details 1) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Impaired loans without a valuation allowance	'	'
Recorded Investment	$7,775	$7,452
Unpaid Principal Balance	8,658	8,034
Related Allowance	0	0
Average Recorded Investment	9,198	8,738
Interest Income Recognized	224	316
Impaired loans with a valuation allowance	'	'
Recorded Investment	13,222	12,261
Unpaid Principal Balance	14,413	13,986
Related Allowance	1,626	2,022
Average Recorded Investment	12,921	13,636
Interest Income Recognized	294	236
Impaired loans valuation allowance	'	'
Recorded Investment	20,997	19,713
Unpaid Principal Balance	23,071	22,020
Related Allowance	1,626	2,022
Average Recorded Investment	22,119	22,374
Interest Income Recognized	518	552
Construction/Land Development [Member]	'	'
Impaired loans without a valuation allowance	'	'
Recorded Investment	4,547	4,543
Unpaid Principal Balance	5,130	5,125
Related Allowance	0	0
Average Recorded Investment	5,726	5,750
Interest Income Recognized	110	153
Impaired loans with a valuation allowance	'	'
Recorded Investment	11,293	9,716
Unpaid Principal Balance	12,484	11,141
Related Allowance	1,440	1,560
Average Recorded Investment	10,789	10,855
Interest Income Recognized	241	175
Farmland [Member]	'	'
Impaired loans without a valuation allowance	'	'
Recorded Investment	1,444	1,459
Unpaid Principal Balance	1,445	1,459
Related Allowance	0	0
Average Recorded Investment	1,457	1,475
Interest Income Recognized	42	67
Impaired loans with a valuation allowance	'	'
Recorded Investment	0	0
Unpaid Principal Balance	0	0
Related Allowance	0	0
Average Recorded Investment	0	0
Interest Income Recognized	0	0
Real Estate [Member]	'	'
Impaired loans without a valuation allowance	'	'
Recorded Investment	142	49
Unpaid Principal Balance	142	49
Related Allowance	0	0
Average Recorded Investment	286	529
Interest Income Recognized	4	3
Impaired loans with a valuation allowance	'	'
Recorded Investment	914	1,145
Unpaid Principal Balance	914	1,145
Related Allowance	118	154
Average Recorded Investment	900	966
Interest Income Recognized	46	48
Multi-Family [Member]	'	'
Impaired loans without a valuation allowance	'	'
Recorded Investment	0	0
Unpaid Principal Balance	0	0
Related Allowance	0	0
Average Recorded Investment	0	0
Interest Income Recognized	0	0
Impaired loans with a valuation allowance	'	'
Recorded Investment	0	0
Unpaid Principal Balance	0	0
Related Allowance	0	0
Average Recorded Investment	0	0
Interest Income Recognized	0	0
Commercial Real Estate [Member]	'	'
Impaired loans without a valuation allowance	'	'
Recorded Investment	1,448	851
Unpaid Principal Balance	1,747	851
Related Allowance	0	0
Average Recorded Investment	1,283	616
Interest Income Recognized	60	56
Impaired loans with a valuation allowance	'	'
Recorded Investment	1,015	1,118
Unpaid Principal Balance	1,015	1,418
Related Allowance	68	282
Average Recorded Investment	1,050	1,171
Interest Income Recognized	7	4
Home Equity - Closed End [Member]	'	'
Impaired loans without a valuation allowance	'	'
Recorded Investment	0	308
Unpaid Principal Balance	0	308
Related Allowance	0	0
Average Recorded Investment	221	284
Interest Income Recognized	0	25
Impaired loans with a valuation allowance	'	'
Recorded Investment	0	180
Unpaid Principal Balance	0	180
Related Allowance	0	17
Average Recorded Investment	142	409
Interest Income Recognized	0	3
Home Equity - Open End [Member]	'	'
Impaired loans without a valuation allowance	'	'
Recorded Investment	0	0
Unpaid Principal Balance	0	0
Related Allowance	0	0
Average Recorded Investment	20	20
Interest Income Recognized	0	0
Impaired loans with a valuation allowance	'	'
Recorded Investment	0	100
Unpaid Principal Balance	0	100
Related Allowance	0	9
Average Recorded Investment	40	93
Interest Income Recognized	0	5
Commercial & Industrial - Non-Real Estate	'	'
Impaired loans without a valuation allowance	'	'
Recorded Investment	194	242
Unpaid Principal Balance	194	242
Related Allowance	0	0
Average Recorded Investment	205	64
Interest Income Recognized	8	12
Impaired loans with a valuation allowance	'	'
Recorded Investment	0	0
Unpaid Principal Balance	0	0
Related Allowance	0	0
Average Recorded Investment	0	141
Interest Income Recognized	0	0
Consumer [Member]	'	'
Impaired loans without a valuation allowance	'	'
Recorded Investment	0	0
Unpaid Principal Balance	0	0
Related Allowance	0	0
Average Recorded Investment	0	0
Interest Income Recognized	0	0
Impaired loans with a valuation allowance	'	'
Recorded Investment	0	2
Unpaid Principal Balance	0	2
Related Allowance	0	0
Average Recorded Investment	0	1
Interest Income Recognized	0	1
Credit Cards [Member]	'	'
Impaired loans without a valuation allowance	'	'
Recorded Investment	0	0
Unpaid Principal Balance	0	0
Related Allowance	0	0
Average Recorded Investment	0	0
Interest Income Recognized	0	0
Impaired loans with a valuation allowance	'	'
Recorded Investment	0	0
Unpaid Principal Balance	0	0
Related Allowance	0	0
Average Recorded Investment	0	0
Interest Income Recognized	0	0
Dealer Finance [Member]	'	'
Impaired loans without a valuation allowance	'	'
Recorded Investment	0	0
Unpaid Principal Balance	0	0
Related Allowance	0	0
Average Recorded Investment	0	0
Interest Income Recognized	0	0
Impaired loans with a valuation allowance	'	'
Recorded Investment	0	0
Unpaid Principal Balance	0	0
Related Allowance	0	0
Average Recorded Investment	0	0
Interest Income Recognized	$0	$0

4_Allowance_for_Loan_Losses_De

4. Allowance for Loan Losses (Details) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2013
Beginning Balance	$8,184	$8,154
Charge-offs	1,987	4,025
Recoveries	154	280
Provision	2,250	3,775
Ending Balance	8,601	8,184
Percentage of loans in each category to total	100.00%	100.00%
Individually Evaluated for Impairment	1,626	2,022
Collectively Evaluated for Impairment	6,975	6,162
Construction/Land Development [Member]	'	'
Beginning Balance	4,007	2,771
Charge-offs	1,191	2,127
Recoveries	14	40
Provision	1,128	3,323
Ending Balance	3,958	4,007
Percentage of loans in each category to total	46.03%	48.96%
Individually Evaluated for Impairment	1,440	1,560
Collectively Evaluated for Impairment	2,518	2,447
Farmland [Member]	'	'
Beginning Balance	-2	-2
Charge-offs	0	0
Recoveries	0	0
Provision	0	0
Ending Balance	-2	-2
Percentage of loans in each category to total	-0.02%	-0.03%
Individually Evaluated for Impairment	0	0
Collectively Evaluated for Impairment	-2	-2
Real Estate [Member]	'	'
Beginning Balance	400	924
Charge-offs	205	173
Recoveries	0	0
Provision	158	-351
Ending Balance	353	400
Percentage of loans in each category to total	4.10%	4.89%
Individually Evaluated for Impairment	118	154
Collectively Evaluated for Impairment	235	246
Multi-Family [Member]	'	'
Beginning Balance	0	-37
Charge-offs	0	0
Recoveries	0	0
Provision	0	37
Ending Balance	0	0
Percentage of loans in each category to total	0.00%	0.00%
Individually Evaluated for Impairment	0	0
Collectively Evaluated for Impairment	0	0
Commercial Real Estate [Member]	'	'
Beginning Balance	777	1,113
Charge-offs	0	201
Recoveries	32	42
Provision	-194	-177
Ending Balance	615	777
Percentage of loans in each category to total	7.14%	9.49%
Individually Evaluated for Impairment	68	282
Collectively Evaluated for Impairment	547	495
Home Equity - Closed End [Member]	'	'
Beginning Balance	157	360
Charge-offs	0	159
Recoveries	0	0
Provision	-15	-44
Ending Balance	142	157
Percentage of loans in each category to total	1.65%	1.92%
Individually Evaluated for Impairment	0	17
Collectively Evaluated for Impairment	142	140
Home Equity - Open End [Member]	'	'
Beginning Balance	476	659
Charge-offs	79	68
Recoveries	0	29
Provision	130	-144
Ending Balance	527	476
Percentage of loans in each category to total	6.13%	5.82%
Individually Evaluated for Impairment	0	9
Collectively Evaluated for Impairment	527	467
Commercial & Industrial - Non-Real Estate	'	'
Beginning Balance	1,464	2,113
Charge-offs	385	986
Recoveries	49	127
Provision	403	210
Ending Balance	1,531	1,464
Percentage of loans in each category to total	17.80%	17.89%
Individually Evaluated for Impairment	0	0
Collectively Evaluated for Impairment	1,531	1,464
Consumer [Member]	'	'
Beginning Balance	156	51
Charge-offs	32	173
Recoveries	23	14
Provision	23	264
Ending Balance	170	156
Percentage of loans in each category to total	1.98%	1.90%
Individually Evaluated for Impairment	0	0
Collectively Evaluated for Impairment	170	156
Dealer Finance [Member]	'	'
Beginning Balance	628	72
Charge-offs	60	17
Recoveries	5	0
Provision	616	573
Ending Balance	1,189	628
Percentage of loans in each category to total	13.82%	7.68%
Individually Evaluated for Impairment	0	0
Collectively Evaluated for Impairment	1,189	628
Credit Cards [Member]	'	'
Beginning Balance	121	130
Charge-offs	35	121
Recoveries	31	28
Provision	1	84
Ending Balance	118	121
Percentage of loans in each category to total	1.37%	1.48%
Individually Evaluated for Impairment	0	0
Collectively Evaluated for Impairment	118	121
Unallocated [Member]	'	'
Beginning Balance	'	0
Charge-offs	'	0
Recoveries	'	0
Provision	'	0
Ending Balance	'	0
Percentage of loans in each category to total	'	0.00%
Individually Evaluated for Impairment	'	0
Collectively Evaluated for Impairment	'	$0

4_Allowance_for_Loan_Losses_De1

4. Allowance for Loan Losses (Details 1) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Loan Receivable	$506,846	$478,453
Individually evaluated for impairment	20,997	19,713
Collectively evaluated for impairment	485,849	458,740
Construction/Land Development [Member]	'	'
Loan Receivable	69,654	68,512
Individually evaluated for impairment	15,840	14,259
Collectively evaluated for impairment	53,814	54,253
Farmland [Member]	'	'
Loan Receivable	11,955	13,197
Individually evaluated for impairment	1,444	1,459
Collectively evaluated for impairment	10,511	11,738
Real Estate [Member]	'	'
Loan Receivable	155,302	154,628
Individually evaluated for impairment	1,056	1,194
Collectively evaluated for impairment	154,246	153,434
Multi-Family [Member]	'	'
Loan Receivable	11,461	11,797
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	11,461	11,797
Commercial Real Estate [Member]	'	'
Loan Receivable	120,939	113,415
Individually evaluated for impairment	2,463	1,969
Collectively evaluated for impairment	118,176	111,446
Home Equity - Closed End [Member]	'	'
Loan Receivable	9,519	10,228
Individually evaluated for impairment	0	488
Collectively evaluated for impairment	9,519	9,740
Home Equity - Open End [Member]	'	'
Loan Receivable	51,446	47,358
Individually evaluated for impairment	0	100
Collectively evaluated for impairment	51,446	47,258
Commercial & Industrial - Non-Real Estate	'	'
Loan Receivable	26,454	25,903
Individually evaluated for impairment	194	242
Collectively evaluated for impairment	26,260	25,661
Consumer [Member]	'	'
Loan Receivable	9,980	10,163
Individually evaluated for impairment	0	2
Collectively evaluated for impairment	9,980	10,161
Dealer Finance [Member]	'	'
Loan Receivable	37,610	20,572
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	37,610	20,572
Credit Cards [Member]	'	'
Loan Receivable	2,526	2,680
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	$2,526	$2,680

4_Allowance_for_Loan_Losses_De2

4. Allowance for Loan Losses (Details 2) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
30-59 Days Past due	$4,788	$7,135
60-89 Days Past due	971	1,939
Greater than 90 Days (excluding non-accrual)	96	327
Non-Accrual Loans	6,957	12,255
Total past due	12,812	21,656
Current	494,034	456,797
Total Loans Receivable	506,846	478,453
Construction/Land Development [Member]	'	'
30-59 Days Past due	1,217	167
60-89 Days Past due	200	735
Greater than 90 Days (excluding non-accrual)	0	0
Non-Accrual Loans	4,928	8,556
Total past due	6,345	9,458
Current	63,309	59,054
Total Loans Receivable	69,654	68,512
Farmland [Member]	'	'
30-59 Days Past due	97	0
60-89 Days Past due	0	0
Greater than 90 Days (excluding non-accrual)	0	0
Non-Accrual Loans	0	0
Total past due	97	0
Current	11,858	13,197
Total Loans Receivable	11,955	13,197
Real Estate [Member]	'	'
30-59 Days Past due	2,329	4,659
60-89 Days Past due	536	920
Greater than 90 Days (excluding non-accrual)	0	246
Non-Accrual Loans	657	1,407
Total past due	3,522	7,232
Current	151,780	147,396
Total Loans Receivable	155,302	154,628
Multi-Family [Member]	'	'
30-59 Days Past due	0	107
60-89 Days Past due	0	0
Greater than 90 Days (excluding non-accrual)	0	0
Non-Accrual Loans	0	0
Total past due	0	107
Current	11,461	11,690
Total Loans Receivable	11,461	11,797
Commercial Real Estate [Member]	'	'
30-59 Days Past due	74	858
60-89 Days Past due	0	0
Greater than 90 Days (excluding non-accrual)	0	0
Non-Accrual Loans	1,319	1,474
Total past due	1,393	2,332
Current	119,546	111,083
Total Loans Receivable	120,939	113,415
Home Equity - Closed End [Member]	'	'
30-59 Days Past due	95	122
60-89 Days Past due	15	79
Greater than 90 Days (excluding non-accrual)	10	10
Non-Accrual Loans	0	180
Total past due	120	391
Current	9,399	9,837
Total Loans Receivable	9,519	10,228
Home Equity - Open End [Member]	'	'
30-59 Days Past due	532	549
60-89 Days Past due	10	39
Greater than 90 Days (excluding non-accrual)	0	51
Non-Accrual Loans	23	222
Total past due	565	861
Current	50,881	46,497
Total Loans Receivable	51,446	47,358
Commercial & Industrial - Non-Real Estate	'	'
30-59 Days Past due	39	148
60-89 Days Past due	5	20
Greater than 90 Days (excluding non-accrual)	0	4
Non-Accrual Loans	15	416
Total past due	59	588
Current	26,395	25,315
Total Loans Receivable	26,454	25,903
Consumer [Member]	'	'
30-59 Days Past due	89	169
60-89 Days Past due	106	71
Greater than 90 Days (excluding non-accrual)	11	5
Non-Accrual Loans	3	0
Total past due	209	245
Current	9,771	9,918
Total Loans Receivable	9,980	10,163
Dealer Finance [Member]	'	'
30-59 Days Past due	301	335
60-89 Days Past due	98	72
Greater than 90 Days (excluding non-accrual)	75	11
Non-Accrual Loans	12	0
Total past due	486	418
Current	37,124	20,154
Total Loans Receivable	37,610	20,572
Credit Cards [Member]	'	'
30-59 Days Past due	15	21
60-89 Days Past due	1	3
Greater than 90 Days (excluding non-accrual)	0	0
Non-Accrual Loans	0	0
Total past due	16	24
Current	2,510	2,656
Total Loans Receivable	$2,526	$2,680

4_Allowance_for_Loan_Losses_De3

4. Allowance for Loan Losses (Details 3) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Construction/Land Development	$69,654	$68,512
Farmland	11,955	13,197
Real Estate	155,302	154,628
Multi-Family	11,461	11,797
Commercial Real Estate	120,939	113,415
Home Equity - closed end	9,519	10,228
Home Equity - open end	51,446	47,358
Commercial & Industrial (Non-Real Estate)	26,454	25,903
Total	456,730	445,038
Grade 1 Minimal Risk [Member]	'	'
Construction/Land Development	0	0
Farmland	68	69
Real Estate	0	0
Multi-Family	0	0
Commercial Real Estate	0	0
Home Equity - closed end	0	0
Home Equity - open end	0	0
Commercial & Industrial (Non-Real Estate)	684	815
Total	752	884
Grade 2 Modest Risk [Member]	'	'
Construction/Land Development	167	0
Farmland	0	0
Real Estate	635	562
Multi-Family	487	668
Commercial Real Estate	1,449	1,897
Home Equity - closed end	0	0
Home Equity - open end	1,535	1,482
Commercial & Industrial (Non-Real Estate)	76	92
Total	4,349	4,701
Grade 3 Average Risk [Member]	'	'
Construction/Land Development	8,228	3,166
Farmland	1,582	1,406
Real Estate	59,484	68,241
Multi-Family	4,189	4,442
Commercial Real Estate	22,315	18,062
Home Equity - closed end	4,473	4,574
Home Equity - open end	13,153	13,308
Commercial & Industrial (Non-Real Estate)	4,129	3,631
Total	117,553	116,830
Grade 4 Acceptable Risk [Member]	'	'
Construction/Land Development	25,851	25,657
Farmland	3,257	5,206
Real Estate	62,139	52,190
Multi-Family	2,207	2,275
Commercial Real Estate	64,766	55,350
Home Equity - closed end	3,039	3,117
Home Equity - open end	28,219	26,734
Commercial & Industrial (Non-Real Estate)	16,226	16,265
Total	205,704	186,794
Grade 5 Marginally Acceptable [Member]	'	'
Construction/Land Development	8,394	11,116
Farmland	4,913	4,816
Real Estate	23,260	19,037
Multi-Family	4,578	4,412
Commercial Real Estate	18,890	21,677
Home Equity - closed end	1,832	1,870
Home Equity - open end	4,123	4,840
Commercial & Industrial (Non-Real Estate)	4,597	3,108
Total	70,587	70,876
Grade 6 Watch [Member]	'	'
Construction/Land Development	4,134	2,946
Farmland	0	143
Real Estate	7,311	7,821
Multi-Family	'	0
Commercial Real Estate	10,820	13,406
Home Equity - closed end	163	281
Home Equity - open end	1,859	327
Commercial & Industrial (Non-Real Estate)	725	1,516
Total	25,012	26,440
Grade 7 Substandard [Member]	'	'
Construction/Land Development	22,880	25,627
Farmland	2,135	1,557
Real Estate	2,473	6,777
Multi-Family	0	0
Commercial Real Estate	2,699	3,023
Home Equity - closed end	12	386
Home Equity - open end	2,557	667
Commercial & Industrial (Non-Real Estate)	17	476
Total	32,773	38,513
Grade 8 Doubtful [Member]	'	'
Construction/Land Development	0	0
Farmland	0	0
Real Estate	0	0
Multi-Family	0	0
Commercial Real Estate	0	0
Home Equity - closed end	0	0
Home Equity - open end	0	0
Commercial & Industrial (Non-Real Estate)	0	0
Total	$0	$0

4_Allowance_for_Loan_Losses_De4

4. Allowance for Loan Losses (Details 4) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Credit cards	$2,526	$2,680
Consumer	47,590	30,735
Performing Financing Receivable [Member]	'	'
Credit cards	2,526	2,680
Consumer	47,489	30,719
Nonperforming Financing Receivable [Member]	'	'
Credit cards	0	0
Consumer	$101	$16

5_Employee_Benefit_Plan_Detail

5. Employee Benefit Plan (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Jun. 30, 2013	Sep. 30, 2014	Sep. 30, 2013
Employee Benefit Plan Details	'	'	'	'
Service cost	$125,257	$149,983	$375,771	$449,949
Interest cost	94,427	87,578	283,281	262,734
Expected return on plan assets	-174,563	-159,020	-523,689	-477,060
Amortization of net obligation at transition	0	0	0	0
Amortization of prior service cost	-3,809	-3,809	-11,427	-11,427
Amortization of net (gain) or loss	9,028	50,796	27,084	152,388
Net periodic pension cost	$50,340	$125,528	$151,020	$376,584

5_Employee_Benefit_Plan_Detail1

5. Employee Benefit Plan (Details Narrative) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014
Employee Benefit Plan Details Narrative	'
Contribution to employee benefit plan	$1,500

6_Fair_Value_Details

6. Fair Value (Details) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Dec. 31, 2013
Impaired loans	$11,596	$10,239
Other Real Estate Owned Loans	3,956	2,628
Fair Value Measurements, Valuation Techniques	'Discounted appraised value	'Discounted appraised value
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Asset Types	'Discount for selling costs and age of appraisals	'Discount for selling costs and age of appraisals
Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	11,596	10,239
Other Real Estate Owned Loans	$3,956	$2,628
Fair Value Inputs Level 3 [Member] | Minimum [Member]	'	'
Fair Value Measurements, Valuation range	15.00%	15.00%
Fair Value Inputs Level 3 [Member] | Maximum [Member]	'	'
Fair Value Measurements, Valuation range	55.00%	55.00%

6_Fair_Value_Details_1

6. Fair Value (Details 1) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Total assets at fair value	$11,275	$30,266
Total liabilities at fair value	0	0
Derivative financial instruments at fair value	33	31
U.S. Treasury Securities [Member]	'	'
Total assets at fair value	4,021	'
Government Sponsored Enterprises [Member]	'	'
Total assets at fair value	6,054	29,065
Mortgage Backed Obligations of Federal Agencies [Member]	'	'
Total assets at fair value	1,065	1,201
Corporate equities [Member]	'	'
Total assets at fair value	135	'
Available for sale Securities [Member]	'	'
Total assets at fair value	11,275	30,266
Fair Value Inputs Level 1 [Member]	'	'
Total assets at fair value	0	0
Total liabilities at fair value	0	0
Derivative financial instruments at fair value	0	0
Fair Value Inputs Level 1 [Member] | U.S. Treasury Securities [Member]	'	'
Total assets at fair value	0	'
Fair Value Inputs Level 1 [Member] | Government Sponsored Enterprises [Member]	'	'
Total assets at fair value	0	0
Fair Value Inputs Level 1 [Member] | Mortgage Backed Obligations of Federal Agencies [Member]	'	'
Total assets at fair value	0	0
Fair Value Inputs Level 1 [Member] | Corporate equities [Member]	'	'
Total assets at fair value	0	'
Fair Value Inputs Level 1 [Member] | Available for sale Securities [Member]	'	'
Total assets at fair value	0	0
Fair Value Inputs Level 2 [Member]	'	'
Total assets at fair value	11,275	30,266
Total liabilities at fair value	0	0
Derivative financial instruments at fair value	33	31
Fair Value Inputs Level 2 [Member] | U.S. Treasury Securities [Member]	'	'
Total assets at fair value	4,021	'
Fair Value Inputs Level 2 [Member] | Government Sponsored Enterprises [Member]	'	'
Total assets at fair value	6,054	29,065
Fair Value Inputs Level 2 [Member] | Mortgage Backed Obligations of Federal Agencies [Member]	'	'
Total assets at fair value	1,065	1,201
Fair Value Inputs Level 2 [Member] | Corporate equities [Member]	'	'
Total assets at fair value	135	'
Fair Value Inputs Level 2 [Member] | Available for sale Securities [Member]	'	'
Total assets at fair value	11,275	30,266
Fair Value Inputs Level 3 [Member]	'	'
Total assets at fair value	0	0
Total liabilities at fair value	0	0
Derivative financial instruments at fair value	0	0
Fair Value Inputs Level 3 [Member] | U.S. Treasury Securities [Member]	'	'
Total assets at fair value	0	'
Fair Value Inputs Level 3 [Member] | Government Sponsored Enterprises [Member]	'	'
Total assets at fair value	0	0
Fair Value Inputs Level 3 [Member] | Mortgage Backed Obligations of Federal Agencies [Member]	'	'
Total assets at fair value	0	0
Fair Value Inputs Level 3 [Member] | Corporate equities [Member]	'	'
Total assets at fair value	0	'
Fair Value Inputs Level 3 [Member] | Available for sale Securities [Member]	'	'
Total assets at fair value	$0	$0

6_Fair_Value_Details_2

6. Fair Value (Details 2) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Other Real Estate Owned Loans	$3,956	$2,628
Impaired loans	11,596	10,239
Assets Fair Value	15,552	12,867
Liabilities Fair Value	0	0
Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	0	0
Assets Fair Value	0	0
Liabilities Fair Value	0	0
Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	0	0
Assets Fair Value	0	0
Liabilities Fair Value	0	0
Fair Value Inputs Level 3 [Member]	'	'
Other Real Estate Owned Loans	3,956	2,628
Impaired loans	11,596	10,239
Assets Fair Value	15,552	12,867
Liabilities Fair Value	0	0
Other Real Estate Owned	'	'
Impaired loans	3,956	2,628
Other Real Estate Owned | Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	0	0
Other Real Estate Owned | Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	0	0
Other Real Estate Owned | Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	3,956	2,628
Construction/Land Development [Member]	'	'
Impaired loans	9,854	8,156
Construction/Land Development [Member] | Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	0	0
Construction/Land Development [Member] | Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	0	0
Construction/Land Development [Member] | Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	9,854	8,156
Farmland [Member]	'	'
Impaired loans	0	0
Farmland [Member] | Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	0	0
Farmland [Member] | Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	0	0
Farmland [Member] | Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	0	0
Real Estate [Member]	'	'
Impaired loans	796	991
Real Estate [Member] | Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	0	0
Real Estate [Member] | Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	0	0
Real Estate [Member] | Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	796	991
Multi-Family [Member]	'	'
Impaired loans	0	0
Multi-Family [Member] | Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	0	0
Multi-Family [Member] | Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	0	0
Multi-Family [Member] | Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	0	0
Commercial Real Estate [Member]	'	'
Impaired loans	946	836
Commercial Real Estate [Member] | Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	0	0
Commercial Real Estate [Member] | Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	0	0
Commercial Real Estate [Member] | Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	946	836
Home Equity - Closed End [Member]	'	'
Impaired loans	0	163
Home Equity - Closed End [Member] | Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	0	0
Home Equity - Closed End [Member] | Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	0	0
Home Equity - Closed End [Member] | Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	0	163
Home Equity - Open End [Member]	'	'
Impaired loans	0	91
Home Equity - Open End [Member] | Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	0	0
Home Equity - Open End [Member] | Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	0	0
Home Equity - Open End [Member] | Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	0	91
Commercial & Industrial - Non-Real Estate	'	'
Impaired loans	0	0
Commercial & Industrial - Non-Real Estate | Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	0	0
Commercial & Industrial - Non-Real Estate | Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	0	0
Commercial & Industrial - Non-Real Estate | Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	0	0
Consumer [Member]	'	'
Impaired loans	0	2
Consumer [Member] | Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	0	0
Consumer [Member] | Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	0	0
Consumer [Member] | Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	0	2
Credit Cards [Member]	'	'
Impaired loans	0	0
Credit Cards [Member] | Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	0	0
Credit Cards [Member] | Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	0	0
Credit Cards [Member] | Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	0	0
Dealer Finance [Member]	'	'
Impaired loans	0	0
Dealer Finance [Member] | Fair Value Inputs Level 1 [Member]	'	'
Impaired loans	0	0
Dealer Finance [Member] | Fair Value Inputs Level 2 [Member]	'	'
Impaired loans	0	0
Dealer Finance [Member] | Fair Value Inputs Level 3 [Member]	'	'
Impaired loans	$0	$0

7_Disclosures_About_Fair_Value2

7. Disclosures About Fair Value of Financial Instruments (Details) (USD $)	Sep. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Financial Assets	'	'
Loans, Estimated Fair Value	$537,765	$512,250
Loans, Carrying value	506,846	478,453
Financial Liabilities	'	'
Time deposits, Estimated Fair Value	198,070	197,729
Time deposits, Carrying Value	196,649	196,004
Long-term debt, Estimated Fair Value	27,651	23,791
Long-term debt, Carrying Value	$25,191	$21,691

8_Troubled_Debt_Restructuring_1

8. Troubled Debt Restructuring (Details) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2014	Sep. 30, 2013
Pre-Modification Outstanding Recorded Investment	$204	$50
Post-Modification Outstanding Recorded Investment	204	50
Commercial Loan [Member]	'	'
Number of Contracts	0	0
Pre-Modification Outstanding Recorded Investment	0	0
Post-Modification Outstanding Recorded Investment	0	0
Real Estate [Member]	'	'
Number of Contracts	2	1
Pre-Modification Outstanding Recorded Investment	181	50
Post-Modification Outstanding Recorded Investment	181	50
Real Estate [Member]	'	'
Number of Contracts	0	0
Pre-Modification Outstanding Recorded Investment	0	0
Post-Modification Outstanding Recorded Investment	0	0
Credit Cards [Member]	'	'
Number of Contracts	0	0
Pre-Modification Outstanding Recorded Investment	0	0
Post-Modification Outstanding Recorded Investment	0	0
Consumer [Member]	'	'
Number of Contracts	1	0
Pre-Modification Outstanding Recorded Investment	23	0
Post-Modification Outstanding Recorded Investment	$23	$0