Old Point Financial (OPOF) 10-K 16 Mar 18 2017 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2017	Mar. 13, 2018	Jun. 30, 2017
Document and Entity Information [Abstract]
Entity Registrant Name	OLD POINT FINANCIAL CORP
Entity Central Index Key	740,971
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	No
Entity Filer Category	Smaller Reporting Company
Entity Public Float			$ 116,156,427
Entity Common Stock, Shares Outstanding		5,019,703
Document Fiscal Year Focus	2,017
Document Fiscal Period Focus	FY
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2017

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands		Dec. 31, 2017	Dec. 31, 2016
Assets
Cash and due from banks		$ 13,420	$ 21,885
Interest-bearing due from banks		908	1,667
Federal funds sold		84	2,302
Cash and cash equivalents		14,412	25,854
Securities available-for-sale, at fair value		157,121	199,365
Restricted stock, at cost		3,846	970
Loans held for sale		779	0
Loans, net	[1]	729,092	595,637
Premises and equipment, net		37,197	39,324
Bank-owned life insurance		25,981	25,206
Other real estate owned, net of valuation allowance		0	1,067
Goodwill		621	0
Other assets		12,777	15,543
Total assets		981,826	902,966
Deposits:
Noninterest-bearing deposits		225,716	228,641
Savings deposits		345,053	344,452
Time deposits		212,825	211,409
Total deposits		783,594	784,502
Federal funds purchased		10,000	0
Overnight repurchase agreements		20,693	18,704
Federal Home Loan Bank advances		67,500	0
Accrued expenses and other liabilities		3,651	5,770
Total liabilities		885,438	808,976
Commitments and contingencies (Note 15)
Stockholders' equity:
Common stock, $5 par value, 10,000,000 shares authorized; 5,019,703 and 4,961,258 shares outstanding (includes 2,245 and 0 unvested restricted shares, respectively)		25,087	24,806
Additional paid-in capital		17,270	16,427
Retained earnings		54,738	56,965
Accumulated other comprehensive loss, net		(707)	(4,208)
Total stockholders' equity		96,388	93,990
Total liabilities and stockholders' equity		$ 981,826	$ 902,966
[1]	Net deferred loan costs totaled $916 thousand and $522 thousand at December 31, 2017 and December 31, 2016, respectively.

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Dec. 31, 2017	Dec. 31, 2016
Stockholders' equity:
Common stock, par value (in dollars per share)	$ 5	$ 5
Common stock, shares authorized (in shares)	10,000,000	10,000,000
Common stock, shares outstanding (in shares)	5,019,703	4,961,258
Restricted Shares [Member]
Unvested restricted shares (in shares)	2,245	0

Consolidated Statements of Oper

Consolidated Statements of Operations - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Interest and Dividend Income:
Interest and fees on loans	$ 29,191	$ 26,322	$ 25,972
Interest on due from banks	15	48	15
Interest on federal funds sold	8	6	2
Interest on securities:
Taxable	1,964	1,802	2,510
Tax-exempt	1,601	1,535	1,663
Dividends and interest on all other securities	155	113	133
Total interest and dividend income	32,934	29,826	30,295
Interest Expense:
Interest on savings deposits	342	227	227
Interest on time deposits	2,208	2,116	2,144
Interest on federal funds purchased, securities sold under agreements to repurchase and other borrowings	38	25	30
Interest on Federal Home Loan Bank advances	424	206	1,231
Total interest expense	3,012	2,574	3,632
Net interest income	29,922	27,252	26,663
Provision for loan losses	4,160	1,930	1,025
Net interest income, after provision for loan losses	25,762	25,322	25,638
Noninterest Income:
Fiduciary and asset management fees	3,786	3,560	3,617
Service charges on deposit accounts	3,874	4,052	4,021
Other service charges, commissions and fees	4,182	3,940	4,084
Bank-owned life insurance income	774	795	885
Mortgage banking income	645	413	259
Gain on sale of available-for-sale securities, net	96	522	76
Gain on acquisition of Old Point Mortgage	550	0	0
Other operating income	151	184	194
Total noninterest income	14,058	13,466	13,136
Noninterest Expense:
Salaries and employee benefits	20,863	19,878	20,747
Pension termination settlement	3,350	0	0
Occupancy and equipment	5,864	5,575	5,330
Data processing	1,783	1,620	1,625
FDIC insurance	478	483	586
Customer development	575	612	584
Professional services	2,069	2,122	1,413
Employee professional development	794	659	591
Loan related expenses	616	192	146
Other taxes	563	505	439
Prepayment fee on Federal Home Loan Bank advance	0	391	0
Loss (gain) on other real estate owned	(18)	154	957
Merger expenses	241	0	0
Other operating expenses	2,768	2,640	2,668
Total noninterest expense	39,946	34,831	35,086
Income (loss) before income taxes	(126)	3,957	3,688
Income tax expense (benefit)	(97)	160	54
Net income (loss)	$ (29)	$ 3,797	$ 3,634
Basic earnings (loss) per share:
Weighted average shares outstanding (in shares)	4,991,060	4,959,173	4,959,009
Net income (loss) per share of common stock (in dollars per share)	$ (0.01)	$ 0.77	$ 0.73
Diluted earnings (loss) per share:
Weighted average shares outstanding (in shares)	4,991,060	4,960,934	4,959,009
Net income (loss) per share of common stock (in dollars per share)	$ (0.01)	$ 0.77	$ 0.73

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Consolidated Statements of Comprehensive Income [Abstract]
Net income (loss)	$ (29)	$ 3,797	$ 3,634
Other comprehensive income (loss), net of tax
Net unrealized gain (loss) on available-for-sale securities	1,032	(1,163)	(498)
Amortization of unrealized losses on securities transferred to held-to-maturity	0	0	3,386
Changes in defined benefit plan assets and benefit obligations	2,469	117	(157)
Other comprehensive income (loss), net of tax	3,501	(1,046)	2,731
Comprehensive income	$ 3,472	$ 2,751	$ 6,365

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Loss [Member]	Total
Beginning Balance at Dec. 31, 2014	$ 24,795	$ 16,392	$ 53,203	$ (5,893)	$ 88,497
Beginning Balance (in shares) at Dec. 31, 2014	4,959,009
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)	$ 0	0	3,634	0	3,634
Other comprehensive income (loss) net of tax	0	0	0	2,731	2,731
Cash dividends	0	0	(1,686)	0	(1,686)
Ending Balance at Dec. 31, 2015	$ 24,795	16,392	55,151	(3,162)	93,176
Ending Balance (in shares) at Dec. 31, 2015	4,959,009
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)	$ 0	0	3,797	0	3,797
Other comprehensive income (loss) net of tax	0	0	0	(1,046)	(1,046)
Exercise of stock options	$ 6	19	0	0	25
Exercise of stock options (in shares)	1,250
Employee Stock Purchase Plan share issuance	$ 5	16	0	0	21
Employee Stock Purchase Plan share issuance (in shares)	999
Cash dividends	$ 0	0	(1,983)	0	(1,983)
Ending Balance at Dec. 31, 2016	$ 24,806	16,427	56,965	(4,208)	$ 93,990
Ending Balance (in shares) at Dec. 31, 2016	4,961,258				4,961,258
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)	$ 0	0	(29)	0	$ (29)
Other comprehensive income (loss) net of tax	0	0	0	3,501	3,501
Exercise of stock options	$ 290	875	0	0	1,165
Exercise of stock options (in shares)	58,105
Employee Stock Purchase Plan share issuance	$ 18	81	0	0	99
Employee Stock Purchase Plan share issuance (in shares)	3,548
Repurchase of common stock related to stock option exercises	$ (27)	(130)	0	0	(157)
Repurchase of common stock related to stock option exercises (in shares)	(5,453)
Stock-based compensation expense	$ 0	17	0	0	17
Cash dividends	0	0	(2,198)	0	(2,198)
Ending Balance at Dec. 31, 2017	$ 25,087	$ 17,270	$ 54,738	$ (707)	$ 96,388
Ending Balance (in shares) at Dec. 31, 2017	5,017,458				5,019,703

Consolidated Statements of Cha7

Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Consolidated Statements of Changes in Stockholders' Equity [Abstract]
Cash dividends (in dollars per share)	$ 0.44	$ 0.44	$ 0.40

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ (29)	$ 3,797	$ 3,634
Adjustments to reconcile net income (loss) to net cash provided by operating activities:
Depreciation and amortization	2,742	2,725	2,543
Provision for loan losses	4,160	1,930	1,025
Net gain on sale of available-for-sale securities	(96)	(522)	(76)
Net amortization of securities	2,247	2,196	2,188
Increase in loans held for sale	(779)	0	0
Net (gain) loss on disposal of premises and equipment	4	(3)	6
Net (gain) loss on write-down/sale of other real estate owned	(18)	154	957
Income from bank owned life insurance	(774)	(795)	(885)
Stock compensation expense	17	0	0
Deferred tax benefit	(117)	(19)	(227)
Decrease (increase) in other assets	458	(567)	(3,969)
Decrease (Increase) in other liabilities	3,177	(243)	3,637
Pension plan contribution	(1,554)	0	(1,000)
Net cash provided by operating activities	9,438	8,653	7,833
CASH FLOWS FROM INVESTING ACTIVITIES
Purchases of available-for-sale securities	(23,095)	(151,204)	(104,103)
Proceeds from redemption of restricted securities, net	(2,876)	1,046	277
Proceeds from maturities and calls of available-for-sale securities	50,290	43,660	80,790
Proceeds from maturities and calls of held-to-maturity securities	0	0	300
Proceeds from sales of available-for-sale securities	4,480	107,647	23,005
Paydowns on available-for-sale securities	9,981	11,288	9,353
Paydowns on held-to-maturity securities	0	0	8,161
(Purchases) paydowns of consumer installment loans, net	(6,944)	(2,281)	(6,797)
Net increase in all other loans (including repayments on student loans)	(130,671)	(34,549)	(26,599)
Proceeds from sales of other real estate owned	1,084	1,699	1,956
Payments for improvements to other real estate owned	0	(52)	0
Purchases of premises and equipment	(619)	(891)	(1,756)
Net cash used in investing activities	(98,370)	(23,637)	(15,413)
CASH FLOWS FROM FINANCING ACTIVITIES
(Increase) decrease in noninterest-bearing deposits	(2,925)	13,551	28,810
Decrease in savings deposits	601	23,082	14,292
Decrease (increase) in time deposits	1,416	1,398	(13,285)
Decrease (increase) in federal funds purchased and repurchase agreements, net	11,989	(7,246)	(11,866)
Increase in Federal Home Loan Bank advances	167,500	55,000	20,000
Repayment of Federal Home Loan Bank advances	(100,000)	(80,000)	(25,000)
Proceeds from exercise of stock options and ESPP issuance	1,264	46	0
Repurchase and retirement of common stock	(157)	0	0
Cash dividends paid on common stock	(2,198)	(1,983)	(1,686)
Net cash provided by financing activities	77,490	3,848	11,265
Net increase (decrease) in cash and cash equivalents	(11,442)	(11,136)	3,685
Cash and cash equivalents at beginning of period	25,854	36,990	33,305
Cash and cash equivalents at end of period	14,412	25,854	36,990
Cash payments for:
Interest	2,880	2,587	3,646
Income tax	600	0	200
SUPPLEMENTAL SCHEDULE OF NONCASH TRANSACTIONS
Unrealized gain (loss) on securities available-for-sale	1,563	(1,762)	(755)
Loans transferred to other real estate owned	0	0	553
Former bank property transferred from fixed assets to foreclosed properties	0	127	0
(Increase) decrease in pension liability	3,741	177	(237)
Securities transferred from held-to-maturity to available-for-sale	0	0	85,555
Unamortized losses on transfer date on securities transferred from available-for-sale to held-to-maturity, eliminated upon transfer back to available-for-sale	0	0	4,197
Amortization of unrealized loss on securities transferred to held-to-maturity	$ 0	$ 0	$ 934

Significant Accounting Policies

Significant Accounting Policies	12 Months Ended
	Dec. 31, 2017
Significant Accounting Policies [Abstract]
Significant Accounting Policies	NOTE 1, Significant Accounting Policies THE COMPANY Headquartered in Hampton, Virginia, Old Point Financial Corporation is a holding company that conducts substantially all of its operations through two subsidiaries, The Old Point National Bank of Phoebus and Old Point Trust & Financial Services, N.A. The Bank serves individual and commercial customers, the majority of which are in Hampton Roads, Virginia. As of December 31, 2017, the Bank had 18 branch offices. The Bank offers a full range of deposit and loan products to its retail and commercial customers, including mortgage loan products offered through its Old Point Mortgage division. A full array of insurance products is also offered through Old Point Insurance, LLC in partnership with Morgan Marrow Company. Trust offers a full range of services for individuals and businesses. Products and services include retirement planning, estate planning, financial planning, estate and trust administration, retirement plan administration, tax services and investment management services. PRINCIPLES OF CONSOLIDATION The consolidated financial statements include the accounts of Old Point Financial Corporation (the Company) and its wholly-owned subsidiaries, The Old Point National Bank of Phoebus (the Bank) and Old Point Trust & Financial Services N.A. (Trust). All significant intercompany balances and transactions have been eliminated in consolidation. USE OF ESTIMATES In preparing Consolidated Financial Statements in conformity with U.S. GAAP, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the consolidated balance sheet and reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, other-than-temporary impairment of securities, and the valuation allowance on other real estate owned. VARIABLE INTEREST ENTITIES Current accounting guidance states that if a business enterprise is the primary beneficiary of a variable interest entity, the assets, liabilities, and results of the activities of the variable interest entity should be included in the consolidated financial statements of the business enterprise. This interpretation explains how to identify variable interest entities and how an enterprise assesses its interest in a variable interest entity to decide whether to consolidate the entity. It also requires existing unconsolidated variable interest entities to be consolidated by their primary beneficiaries if the entities do not effectively disperse risks among parties involved. Variable interest entities that effectively disperse risks will not be consolidated unless a single party holds an interest or combination of interests that effectively recombines risks that were previously dispersed. At this time, the Company has no VIEs that are consolidated. ACQUISITIONS The Bank had a joint venture agreement with Tidewater Mortgage Services, Inc. (TMSI) to provide mortgage origination services through Old Point Mortgage, LLC (OPM), a joint venture between the Bank and TMSI. Per the terms of the joint venture agreement, TMSI and the Bank owned 51% and 49%, respectively, of OPM, and TMSI was the managing member. On April 20, 2017, the Bank completed its purchase of TMSI's interest in OPM, which terminated the joint venture agreement between TMSI and the Bank and made OPM a wholly-owned subsidiary of the Bank as of that date. OPM's fair value was based on an independent valuation performed as of March 31, 2017. Since OPNB had a 49% interest in OPM prior to acquisition of the remaining interest and obtains a controlling interest with the buy-out, this will transaction was accounted for as a business combination achieved in stages or a step acquisition. OPNB has through the aforementioned valuation estimated the fair value of its previously held equity interest in the target resulting in a gain for the excess of the acquisition-date fair value of its previously held equity interest in the target over its carrying value of $550 thousand which is included as a gain on acquisition of Old Point Mortgage in the Consolidated Statements of Income. The table below summarizes the transaction and goodwill recognition (000's): Consideration transferred $ 1,534 Acquisition-date fair value of previously-held equity interest 2,002 Total 3,536 Net assets acquired 2,915 Goodwill $ 621 SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK Most of the Company's activities are with customers located within the Hampton Roads region. The types of securities that the Company invests in are included in Note 3. The types of lending that the Company engages in are included in Note 4. The Company has significant concentrations in the following industries: construction, lessors of real estate, activities related to real estate, ambulatory health care and religious organizations. The Company does not have any significant concentrations to any one customer. At December 31, 2017 and 2016, there were $317.2 million and $308.5 million, or 42.95% and 51.09%, respectively, of total loans concentrated in commercial real estate. Commercial real estate for purposes of this note includes all construction loans, loans secured by multifamily residential properties, loans secured by farmland and loans secured by nonfarm, nonresidential properties. CASH AND CASH EQUIVALENTS For purposes of the consolidated statements of cash flows, cash and cash equivalents includes cash and balances due from banks and federal funds sold, all of which mature within 90 days. INTEREST-BEARING DEPOSITS IN BANKS Interest-bearing deposits in banks mature within one year and are carried at cost. SECURITIES Certain debt securities that management has the positive intent and ability to hold until maturity are classified as "held-to-maturity" and recorded at amortized cost. Securities not classified as held-to-maturity, including equity securities with readily determinable fair values, are classified as "available-for-sale" and recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income. Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method. The Company evaluates securities for other-than-temporary impairment at least on a quarterly basis, and more frequently when economic or market concerns warrant such evaluation. The Company employs a systematic methodology that considers available evidence in evaluating potential impairment of its investments. In the event that the cost of an investment exceeds its fair value, the Company evaluates, among other factors, the magnitude and duration of the decline in fair value; the expected cash flows of the securities; the financial health of and business outlook for the issuer; the performance of the underlying assets for interests in securitized assets; and the Company's intent and ability to hold the investment. Once a decline in fair value is determined to be other-than-temporary, an impairment charge is recorded in investment income and a new cost basis in the investment is established. RESTRICTED STOCK, AT COST The Company, as a member of the Federal Reserve Bank (FRB) and the Federal Home Loan Bank of Atlanta (FHLB), is required to maintain an investment in the capital stock of both the FRB and the FHLB. Based on the redemption provisions of these investments, the stocks have no quoted market value, are carried at cost and are listed as a restricted securities. The Company reviews its holdings for impairment based on the ultimate recoverability of the cost basis in the FRB and FHLB stock. LOANS HELD FOR SALE The Company records loans held for sale using the lower of cost or market value. In addition, the Company requires a firm purchase commitment from a permanent investor before a loan can be closed, thus limiting interest rate risk. Net unrealized losses, if any, are recognized through a valuation allowance by charges to income. The change in fair value of loans held for sale is recorded as a component of "Mortgage banking income, net" within the Company's Consolidated Statements of Operations. LOANS The Company extends loans to individual consumers and commercial customers for various purposes. Most of the Company's loans are secured by real estate, including real estate construction loans and real estate mortgage loans (i.e., residential 1-4 family mortgages, commercial real estate loans, second mortgages and equity lines of credit). Other loans are secured by collateral that is not real estate, which may include inventory, accounts receivable, equipment or other personal property. A substantial portion of the loan portfolio is represented by real estate mortgage loans throughout Hampton Roads. The ability of the Company's debtors to honor their contracts is dependent in part upon the real estate and general economic conditions in this area. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off generally are reported at their outstanding unpaid principal balances adjusted for unearned income, the allowance for loan losses and any unamortized deferred fees or costs on originated loans. For loans amortized at cost, interest income is accrued based on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, as well as premiums and discounts, are deferred and amortized as a level yield adjustment over the respective term of the loan. NONACCRUALS, PAST DUES AND CHARGE-OFFS The accrual of interest on commercial loans (including construction loans and commercial loans secured and not secured by real estate) is generally discontinued at the time the loan is 90 days past due unless the credit is well-secured and in the process of collection. Consumer loans not secured by real estate and consumer real estate secured loans (i.e., residential 1-4 family mortgages, second mortgages and equity lines of credit) are generally placed on nonaccrual status when payments are 120 days past due. Past due status is based on the contractual terms of the loan, and loans are considered past due when a payment of principal and/or interest is due but not paid. Regular payments not received within the payment cycle are considered to be 30, 60, or 90 or more days past due accordingly. In all cases, loans are placed on nonaccrual status or charged off at an earlier date if collection of principal or interest is considered doubtful. All interest accrued but not collected for loans that are placed on nonaccrual status or charged off is reversed against interest income. The interest on these loans is accounted for on the cash basis or cost recovery method, until qualifying for return to accrual status or charged off. Loans are generally returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured, or when the borrower has resumed paying the full amount of the scheduled contractual interest and principal payments for at least six months. Loans are generally fully charged off or partially charged down to the fair value of collateral securing the asset when: · Management determines the asset to be uncollectible; · Repayment is deemed to be protracted beyond reasonable time frames; · The asset has been classified as a loss by either the internal loan review process or external examiners; · The borrower has filed for bankruptcy protection and the loss becomes evident due to a lack of borrower assets; or The loan is 120 days or more past due unless the loan is both well secured and in the process of collection. ALLOWANCE FOR LOAN LOSSES The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management's periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower's ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. The allowance consists of allocated and general components. The allocated component relates to loans that are classified as impaired, such as a loan that is considered a TDR (discussed in detail below). These loans are excluded from pooled loss forecasts and a separate reserve is provided under the accounting guidance for loan impairment. All loans, including consumer loans, whose terms have been modified in a TDR are also individually analyzed for estimated impairment. Impairment is measured on a loan-by-loan basis for construction loans and commercial loans (i.e., commercial mortgage loans on real estate and commercial loans not secured by real estate) 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. For those loans that are classified as impaired, an allowance is established when the discounted value of expected future cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. 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. 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. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. The general component covers loans that are not classified as impaired. Loans collectively evaluated for impairment are pooled, with a historical loss rate, based on migration analysis, applied to each pool, segmented by risk grade or days past due, depending on the type of loan. Based on credit risk assessments and management's analysis of qualitative factors, additional loss factors are applied to loan balances. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer and consumer loans secured by real estate (i.e., residential 1-4 family mortgages, second mortgages and equity lines of credit) for impairment disclosures, unless the terms of such loans have been modified in a TDR due to financial difficulties of the borrower. Each portfolio segment has risk characteristics as follows: · Commercial: Commercial loans carry risks associated with the successful operation of a business or project, in addition to other risks associated with the ownership of a business. The repayment of these loans may be dependent upon the profitability and cash flows of the business. In addition, there is risk associated with the value of collateral other than real estate which may depreciate over time and cannot be appraised with as much precision. · Real estate-construction: Construction loans carry risks that the project will not be finished according to schedule, the project will not be finished according to budget and the value of the collateral may at any point in time be less than the principal amount of the loan. Construction loans also bear the risk that the general contractor, who may or may not be the loan customer, may be unable to finish the construction project as planned because of financial pressure unrelated to the project. · Real estate-mortgage: Residential mortgage loans and equity lines of credit carry risks associated with the continued credit-worthiness of the borrower and changes in the value of the collateral. Commercial real estate loans carry risks associated with the successful operation of a business if owner occupied. If non-owner occupied, the repayment of these loans may be dependent upon the profitability and cash flow from rent receipts. · Consumer loans: Consumer loans carry risks associated with the continued credit-worthiness of the borrowers and the value of the collateral. Consumer loans are more likely than real estate loans to be immediately adversely affected by job loss, divorce, illness or personal bankruptcy. · Other loans: Other loans are loans to mortgage companies, loans for purchasing or carrying securities, and loans to insurance, investment and finance companies. These loans carry risks associated with the successful operation of a business. In addition, there is risk associated with the value of collateral other than real estate which may depreciate over time, depend on interest rates or fluctuate in active trading markets. Each segment of the portfolio is pooled by risk grade or by days past due. Loans not secured by real estate and made to individuals for household, family and other personal expenditures are segmented into pools based on days past due, while all other loans, including loans to consumers that are secured by real estate, are segmented by risk grades. A historical loss percentage is then calculated by migration analysis and applied to each pool. The migration analysis applied to all pools is able to track the risk grading and historical performance of individual loans throughout a number of periods set by management, which provides management with information regarding trends (or migrations) in a particular loan segment. At December 31, 2017 management used four twelve-quarter migration periods, and at December 31, 2016, m anagement used one twelve-quarter migration period. TROUBLED DEBT RESTRUCTURINGS In situations where, for economic or legal reasons related to a borrower's financial difficulties, management grants a concession for other than an insignificant period of time to the borrower that would not otherwise be considered, the related loan is classified as a TDR. Management strives to identify borrowers in financial difficulty before their loans reach nonaccrual status and works with them to grant appropriate concessions, if necessary, and modify their loans to more affordable terms. These modified terms could include reduction in the interest rate below current market rates for borrowers with similar risk profiles, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection. In cases where borrowers are granted new terms that provide for a reduction of either interest or principal, management measures any impairment on the restructuring as noted above for impaired loans. TRANSFERS OF FINANCIAL ASSETS Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company (i.e., put presumptively beyond the reach of the transferor and its creditors, even in bankruptcy or other receivership); (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity or the ability to unilaterally cause the holder to return specific assets. OTHER REAL ESTATE OWNED (OREO) Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less cost to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less cost to sell. Revenue and expenses from operations and changes in the valuation allowance (direct write-downs) are included in loss (gain) on other real estate owned. BANK-OWNED LIFE INSURANCE The Company owns insurance on the lives of a certain group of key employees. The cash surrender value of these policies is included as an asset on the consolidated balance sheets, and the increase in cash surrender value is recorded as noninterest income on the consolidated statements of operations. In the event of the death of an insured individual under these policies, the Company would receive a death benefit payment. Any excess in the amount received over the recorded cash surrender value would be recorded as other operating income on the consolidated statements of operations. PREMISES AND EQUIPMENT Land is carried at cost. Buildings and equipment are stated at cost, less accumulated depreciation and amortization computed on the straight-line method over the estimated useful lives of the assets. Buildings and equipment are depreciated over their estimated useful lives ranging from 3 to 39 years; leasehold improvements are amortized over the lives of the respective leases or the estimated useful life of the leasehold improvement, whichever is less. Software is amortized over its estimated useful life ranging from 3 to 5 years. OFF-BALANCE SHEET CREDIT RELATED FINANCIAL INSTRUMENTS In the ordinary course of business, the Company has entered into commitments to extend credit, including commitments under commercial letters of credit and lines of credit. Such financial instruments are recorded when they are funded. PENSION PLAN The Company has a non-contributory defined benefit pension plan, which was frozen by the Company in 2006 and terminated in 2017. This plan was terminated in the fourth quarter of 2017. Details regarding the impact of this can be found in Note 14. STOCK COMPENSATION PLANS Stock compensation accounting guidance (FASB ASC 718, "Compensation -- Stock Compensation") requires that the compensation cost related to share-based payment transactions be recognized in financial statements. That cost will be measured based on the grant date fair value of the equity or liability instruments issued. The stock compensation accounting guidance covers a wide range of share-based compensation arrangements including stock options, restricted share plans, performance-based awards, share appreciation rights and employee share purchase plans. The stock compensation accounting guidance requires that compensation cost for all stock awards be calculated and recognized over the employees' service period, generally defined as the vesting period. For awards with graded-vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award. A Black Scholes model is used to estimate the fair value of the stock options, while the market price of the Company's common stock at the date of grant is used for restricted stock awards. INCOME TAXES The Company accounts for income taxes in accordance with income tax accounting guidance (FASB ASC 740, "Income Taxes"). The Company adopted the accounting guidance related to accounting for uncertainty in income taxes, which sets out a consistent framework to determine the appropriate level of tax reserves to maintain for uncertain tax positions. Income tax accounting guidance results in two components of income tax expense: current and deferred. Current income tax expense reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to the taxable income or excess of deductions over revenues. The Company determines deferred income taxes using the liability or balance sheet method. Under this method, the net deferred tax asset or liability is based on the tax effects of the difference between the book and tax basis of assets and liabilities, and enacted changes in tax rates and laws are recognized in the period in which they occur. Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are recognized if it is more-likely-than-not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more-likely-than-not means a likelihood of more than 50 percent; the terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances, and information available at the reporting date and is subject to management's judgment. Deferred tax assets are reduced by a valuation allowance if, based on the weight of evidence available, it is more-likely-than-not that some portion or all of a deferred tax asset will not be realized. The Company recognizes interest and penalties on income taxes as a component of income tax expense. No uncertain tax positions were recorded in 2017 or 2016. The results for the year ended December 31, 2017 include the effect of the Tax Cuts and Jobs Act (the Tax Act), which was signed into law on December 22, 2017. Among other things, the Tax Act permanently lowers the federal corporate income tax rate to 21% from the maximum rate prior to the passage of the Tax Act of 35%, effective January 1, 2018. As a result of the federal corporate income tax rate, U.S. GAAP requires companies to re-measure their deferred tax assets and deferred tax liabilities, including those accounted for in accumulated other comprehensive income (loss), as of the date of the Tax Act's enactment and record the corresponding effects in income tax expense in the fourth quarter of 2017. As a result of the permanent reduction in the corporate income tax rate, the Company recognized a $1.2 million reduction in the value of its net deferred tax asset and recorded a corresponding incremental income tax expense in the Company's consolidated statement of income for 2017. The Company's evaluation of the effect of the Tax Act is considered a preliminary estimate and is subject to refinement in 2018. No material adjustment is anticipated. EARNINGS PER COMMON SHARE Basic earnings per share represents income available to common stockholders divided by the weighted-average number of common shares outstanding during the period. Diluted earnings per share reflects additional potential common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares that may be issued by the Company relate to outstanding stock options and shares to be issued as part of the employee stock purchase plan and are determined using the treasury stock method. TRUST ASSETS AND INCOME Securities and other property held by Trust in a fiduciary or agency capacity are not assets of the Company and are not included in the accompanying Consolidated Financial Statements. ADVERTISING EXPENSES Advertising expenses are expensed as incurred. Advertising expense for the years ended 2017, 2016 and 2015 was $249 thousand, $273 thousand, and $217 thousand, respectively. COMPREHENSIVE INCOME Comprehensive income consists of net income and other comprehensive income, net of tax. Other comprehensive income (loss), net of tax includes unrealized gains and losses on securities available-for-sale, unrealized losses on securities transferred from available-for-sale to held-to-maturity, and unrealized losses related to changes in the funded status of the pension plan which are also recognized as separate components of equity. FAIR VALUE OF FINANCIAL INSTRUMENTS Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in Note 16. Fair value estimates involve uncertainties and matters of significant judgment. Changes in assumptions or in market conditions could significantly affect the estimates. RECENT ACCOUNTING PRONOUNCEMENTS In May 2014, the FASB issued ASU No. 2014-09, "Revenue from Contracts with Customers: Topic 606." This ASU revised guidance for the recognition, measurement, and disclosure of revenue from contracts with customers. The original guidance has been amended through subsequent accounting standard updates that resulted in technical corrections, improvements, and a one-year deferral of the effective date to January 1, 2018. The guidance, as amended, is applicable to all entities and, once effective, will replace significant portions of existing industry and transaction-specific revenue recognition rules with a more principles-based recognition model. Most revenue associated with financial instruments, including interest income, loan origination fees, and credit card fees, is outside the scope of the guidance. Gains and losses on investment securities, derivatives, and sales of financial instruments are similarly excluded from the scope. Entities can elect to adopt the guidance either on a full or modified retrospective basis. Full retrospective adoption will require a cumulative effect adjustment to retained earnings as of the beginning of the earliest comparative period presented. Modified retrospective adoption will require a cumulative effect adjustment to retained earnings as of the beginning of the reporting period in which the entity first applies the new guidance. The Company plans to adopt this guidance on the effective date, January 1, 2018 via the modified retrospective approach. The Company has completed its assessment of the adoption of this ASU, noting the standard will result in expanded disclosures related to non-interest income and enhance the qualitative disclosures on the revenues within the scope of the new guidance. The Company has concluded the adoption of ASU 2014-09 will not have a material impact on its consolidated financial statements. In January 2016, the FASB issued ASU No. 2016-01, "Financial Instruments - Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities." This ASU requires an entity to, among other things: (i) measure equity investments at fair value through net income, with certain exceptions; (ii) present in OCI the changes in instrument-specific credit risk for financial liabilities measured using the fair value option; (iii) present financial assets and financial liabilities by measurement category and form of financial asset; (iv) calculate the fair value of financial instruments for disclosure purposes based on an exit price and; (v) assess a valuation allowance on deferred tax assets related to unrealized losses of AFS debt securities in combination with other deferred tax assets. The ASU provides an election to subsequently measure certain nonmarketable equity investments at cost less any impairment and adjusted for certain observable price changes. The ASU also requires a qualitative impairment assessment of such equity investments and amends certain fair value disclosure requirements. This ASU is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2017. Early adoption is only permitted for the provision related to instrument-specific credit risk. The Company has completed its assessment of ASU No. 2016-01 and upon adoption there will

Restrictions on Cash and Amount

Restrictions on Cash and Amounts Due from Banks	12 Months Ended
	Dec. 31, 2017
Restrictions on Cash and Amounts Due from Banks [Abstract]
Restrictions on Cash and Amounts Due from Banks	NOTE 2, Restrictions on Cash and Amounts Due from Banks The Company is required to maintain average balances on hand or with the Federal Reserve Bank. At December 31, 2017 and 2016, the Company had no balance requirements on any of its accounts. The Company had approximately $0.5 million and $9.9 million in deposits in financial institutions in excess of amounts insured by the FDIC at December 31, 2017 and December 31, 2016, respectively.

Securities Portfolio

Securities Portfolio	12 Months Ended
	Dec. 31, 2017
Securities Portfolio [Abstract]
Securities Portfolio	NOTE 3, Securities Portfolio The amortized cost and fair value, with gross unrealized gains and losses, of securities available-for-sale were: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (in thousands) December 31, 2017 Obligations of U.S. Government agencies $ 9,530 $ 27 $ (122 ) $ 9,435 Obligations of state and political subdivisions 64,413 489 (137 ) 64,765 Mortgage-backed securities 75,906 - (1,610 ) 74,296 Money market investments 1,194 - - 1,194 Corporate bonds and other securities 7,049 195 (10 ) 7,234 Other marketable equity securities 100 97 - 197 Total $ 158,192 $ 808 $ (1,879 ) $ 157,121 December 31, 2016 U.S. Treasury securities $ 20,000 $ - $ - $ 20,000 Obligations of U.S. Government agencies 9,361 - (166 ) 9,195 Obligations of state and political subdivisions 78,645 358 (1,016 ) 77,987 Mortgage-backed securities 85,649 18 (1,973 ) 83,694 Money market investments 647 - - 647 Corporate bonds and other securities 7,598 92 (12 ) 7,678 Other marketable equity securities 100 64 - 164 Total $ 202,000 $ 532 $ (3,167 ) $ 199,365 Securities with a fair value of $66.6 million and $72.9 million at December 31, 2017 and 2016, respectively, were pledged to secure public deposits, securities sold under agreements to repurchase, FHLB advances and for other purposes required or permitted by law. At December 31, 2017, the Company held no securities of any single issuer (excluding U.S. Government agencies) with a book value that exceeded 10 percent of stockholders' equity. The amortized cost and fair value of securities by contractual maturity are shown below. December 31, 2017 Available-for-Sale Amortized Cost Fair Value (in thousands) Due in one year or less $ 4,015 $ 4,009 Due after one year through five years 23,293 23,126 Due after five years through ten years 38,197 37,997 Due after ten years 91,393 90,598 Total debt securities 156,898 155,730 Other securities without stated maturities 1,294 1,391 Total securities $ 158,192 $ 157,121 The following table provides information about securities sold in the years ended December 31: 2017 2016 2015 (in thousands) Proceeds from sales $ 4,480 $ 107,647 $ 23,005 Gross realized gains $ 96 $ 578 $ 76 Gross realized losses $ - $ 56 $ - OTHER-THAN-TEMPORARILY IMPAIRED SECURITIES Management assesses whether the Company intends to sell or it is more-likely-than-not that the Company will be required to sell a security before recovery of its amortized cost basis less any current-period credit losses. For debt securities that are considered other-than-temporarily impaired and that the Company does not intend to sell and will not be required to sell prior to recovery of the amortized cost basis, the Company separates the amount of the impairment into the amount that is credit related (credit loss component) and the amount due to all other factors. The credit loss component is recognized in earnings and is the difference between the security's amortized cost basis and the present value of its expected future cash flows. The remaining difference between the security's fair value and the present value of expected future cash flows is due to factors that are not credit related and is recognized in other comprehensive income. The present value of expected future cash flows is determined using the best-estimate cash flows discounted at the effective interest rate implicit to the security at the date of purchase or the current yield to accrete an asset-backed or floating rate security. The methodology and assumptions for establishing the best-estimate cash flows vary depending on the type of security. The asset-backed securities cash flow estimates are based on bond specific facts and circumstances that may include collateral characteristics, expectations of delinquency and default rates, loss severity and prepayment speeds, and structural support, including subordination and guarantees. The Company has a process in place to identify debt securities that could potentially have a credit or interest-rate related impairment that is other than temporary. This process involves monitoring late payments, pricing levels, downgrades by rating agencies, key financial ratios, financial statements, revenue forecasts, and cash flow projections as indicators of credit issues. On a quarterly basis, management reviews all securities to determine whether an other-than-temporary decline in value exists and whether losses should be recognized. Management considers relevant facts and circumstances in evaluating whether a credit or interest rate-related impairment of a security is other-than-temporary. Relevant facts and circumstances considered include: (a) the extent and length of time the fair value has been below cost; (b) the reasons for the decline in value; (c) the financial position and access to capital of the issuer, including the current and future impact of any specific events and (d) for fixed maturity securities, the Company's intent to sell a security or whether it is more-likely-than-not the Company will be required to sell the security before the recovery of its amortized cost which, in some cases, may extend to maturity and for equity securities, the Company's ability and intent to hold the security for a period of time that allows for the recovery in value. The Company has not recorded impairment charges on securities for the years ended December 31, 2017 and 2016. The following table shows the number of securities with unrealized losses, the gross unrealized losses and fair value of the Company's investments with unrealized losses that are deemed to be temporarily impaired, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, as of the dates indicated: December 31, 2017 Less Than Twelve Months More Than Twelve Months Total Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Number of Securities (dollars in thousands) Securities Available-for-Sale Obligations of U.S. Government agencies $ 11 $ 3,189 $ 111 $ 3,089 $ 122 $ 6,278 13 Obligations of state and political subdivisions 32 11,141 105 10,999 137 22,140 29 Mortgage-backed securities 67 9,742 1,543 64,554 1,610 74,296 24 Corporate bonds and other securities 2 1,098 8 792 10 1,890 11 Total securities available-for-sale $ 112 $ 25,170 $ 1,767 $ 79,434 $ 1,879 $ 104,604 77 December 31, 2016 Less Than Twelve Months More Than Twelve Months Total Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Number of Securities (dollars in thousands) Securities Available-for-Sale Obligations of U. S. Government agencies $ 166 $ 9,195 $ - $ - $ 166 $ 9,195 6 Obligations of state and political subdivisions 1,016 38,020 - - 1,016 38,020 56 Mortgage-backed securities 1,973 80,680 - - 1,973 80,680 23 Corporate bonds and other securities 11 1,787 1 100 12 1,887 13 Total securities available-for-sale $ 3,166 $ 129,682 $ 1 $ 100 $ 3,167 $ 129,782 98 Certain investments within the Company's portfolio had unrealized losses at December 31, 2017 and December 31, 2016, as shown in the tables above. The unrealized losses were caused by increases in market interest rates. The Company purchases only highly-rated securities, including U.S. government agencies and mortgage-backed securities guaranteed by government-sponsored entities. The municipal and corporate securities portfolios are reviewed regularly to ensure that ratings of individual securities have not deteriorated below the threshold established by the Company's policy. Because the Company does not intend to sell the investments and management believes it is unlikely that the Company will be required to sell the investments before recovery of their amortized cost basis, which may be maturity, the Company does not consider the investments to be other-than-temporarily impaired at December 31, 2017 or December 31, 2016. Restricted Stock The restricted stock category is comprised of FHLB and Federal Reserve Bank stock. These stocks are classified as restricted securities because their ownership is restricted to certain types of entities and the securities lack a market. Therefore, FHLB and Federal Reserve Bank stock is carried at cost and evaluated for impairment. When evaluating these stocks for impairment, their value is determined based on the ultimate recoverability of the par value rather than by recognizing temporary declines in value. Restricted stock is viewed as a long-term investment and management believes that the Company has the ability and the intent to hold this stock until its value is recovered.

Loans and Allowance for Loan Lo

Loans and Allowance for Loan Losses	12 Months Ended
	Dec. 31, 2017
Loans and Allowance for Loan Losses [Abstract]
Loans and Allowance for Loan Losses	NOTE 4, Loans and Allowance for Loan Losses The following is a summary of the balances in each class of the Company's loan portfolio as of the dates indicated: December 31, 2017 December 31, 2016 (in thousands) Mortgage loans on real estate: Residential 1-4 family $ 101,021 $ 94,827 Commercial 289,682 285,429 Construction 27,489 23,116 Second mortgages 17,918 17,128 Equity lines of credit 56,610 51,024 Total mortgage loans on real estate 492,720 471,524 Commercial and industrial loans 60,398 54,434 Consumer automobile loans 119,251 10,407 Other consumer loans 54,974 48,500 Other (1) 11,197 19,017 Total loans 738,540 603,882 Less: Allowance for loan losses (9,448 ) (8,245 ) Loans, net of allowance and deferred fees (2) $ 729,092 $ 595,637 (1) Overdrawn deposit accounts are reclassified as loans and included in the Other category in the table above. Overdrawn deposit accounts totaled $594 thousand and $536 thousand at December 31, 2017 and December 31, 2016, respectively. (2) Net deferred loan costs totaled $916 thousand and $522 thousand at December 31, 2017 and December 31, 2016, respectively. CREDIT QUALITY INFORMATION The Company uses internally-assigned risk grades to estimate the capability of borrowers to repay the contractual obligations of their loan agreements as scheduled or at all. The Company's internal risk grade system is based on experiences with similarly graded loans. Credit risk grades are updated at least quarterly as additional information becomes available, at which time management analyzes the resulting scores to track loan performance. The Company's internally assigned risk grades are as follows: · Pass: · Other Assets Especially Mentioned (OAEM): · Substandard: · Doubtful: · Loss: The following table presents credit quality exposures by internally assigned risk ratings as of the dates indicated: Credit Quality Information As of December 31, 2017 Pass OAEM Substandard Total (in thousands) Mortgage loans on real estate: Residential 1-4 family $ 98,656 $ - $ 2,365 $ 101,021 Commercial 264,275 10,526 14,881 289,682 Construction 26,694 74 721 27,489 Second mortgages 17,211 431 276 17,918 Equity lines of credit 56,318 - 292 56,610 Total mortgage loans on real estate 463,154 11,031 18,535 492,720 Commercial and industrial loans 58,091 1,469 838 60,398 Consumer automobile loans 119,211 - 40 119,251 Other consumer loans 54,926 - 48 54,974 Other 11,197 - - 11,197 Total $ 706,579 $ 12,500 $ 19,461 $ 738,540 Credit Quality Information As of December 31, 2016 Pass OAEM Substandard Total (in thousands) Mortgage loans on real estate: Residential 1-4 family $ 92,458 $ 1,138 $ 1,231 $ 94,827 Commercial 260,948 10,014 14,467 285,429 Construction 22,219 162 735 23,116 Second mortgages 16,445 475 208 17,128 Equity lines of credit 50,387 500 137 51,024 Total mortgage loans on real estate 442,457 12,289 16,778 471,524 Commercial and industrial loans 49,979 2,278 2,177 54,434 Consumer automobile loans 10,407 - - 10,407 Other consumer loans 48,334 - 166 48,500 Other 19,017 - - 19,017 Total $ 570,194 $ 14,567 $ 19,121 $ 603,882 As of December 31, 2017 and 2016 the Company did not have any loans internally classified as Loss or Doubtful. AGE ANALYSIS OF PAST DUE LOANS BY CLASS All classes of loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. Interest and fees continue to accrue on past due loans until the date the loan is placed in nonaccrual status, if applicable. The following table includes an aging analysis of the recorded investment in past due loans as of the dates indicated. Also included in the table below are loans that are 90 days or more past due as to interest and principal and still accruing interest, because they are well-secured and in the process of collection. Loans in nonaccrual status that are also past due are included in the aging categories in the table below. Age Analysis of Past Due Loans as of December 31, 2017 30 - 59 Days Past Due 60 - 89 Days Past Due 90 or More Days Past Due Total Past Due Total Current Loans (1) Total Loans Recorded Investment > 90 Days Past Due and Accruing (in thousands) Mortgage loans on real estate: Residential 1-4 family $ 229 $ 153 $ 1,278 $ 1,660 $ 99,361 $ 101,021 $ 261 Commercial 194 771 1,753 2,718 286,964 289,682 - Construction - - 721 721 26,768 27,489 - Second mortgages 15 - 163 178 17,740 17,918 45 Equity lines of credit 75 19 53 147 56,463 56,610 - Total mortgage loans on real estate 513 943 3,968 5,424 487,296 492,720 306 Commercial and industrial loans 709 - 1,060 1,769 58,629 60,398 471 Consumer automobile loans 517 122 41 680 118,571 119,251 41 Other consumer loans 2,222 544 2,360 5,126 49,848 54,974 2,360 Other 84 9 4 97 11,100 11,197 4 Total $ 4,045 $ 1,618 $ 7,433 $ 13,096 $ 725,444 $ 738,540 $ 3,182 (1) For purposes of this table, Total Current Loans includes loans that are 1 - 29 days past due. In the table above, the other consumer category includes student loans with principal and interest amounts that are 97 - 98% guaranteed by the federal government. The past due principal portion of these guaranteed loans totaled $4.2 million at December 31, 2017. Age Analysis of Past Due Loans as of December 31, 2016 30 - 59 Days Past Due 60 - 89 Days Past Due 90 or More Days Past Due Total Past Due Total Current Loans (1) Total Loans Recorded Investment > 90 Days Past Due and Accruing (in thousands) Mortgage loans on real estate: Residential 1-4 family $ 564 $ - $ 496 $ 1,060 $ 93,767 $ 94,827 $ 218 Commercial 2,280 1,625 227 4,132 281,297 285,429 - Construction 162 - - 162 22,954 23,116 - Second mortgages - 200 188 388 16,740 17,128 58 Equity lines of credit 394 9 86 489 50,535 51,024 - Total mortgage loans on real estate 3,400 1,834 997 6,231 465,293 471,524 276 Commercial and industrial loans 5 - 86 91 54,343 54,434 - Consumer automobile loans - 11 - 11 10,396 10,407 - Other consumer loans 1,876 702 2,684 5,262 43,238 48,500 2,603 Other 41 12 5 58 18,959 19,017 5 Total $ 5,322 $ 2,559 $ 3,772 $ 11,653 $ 592,229 $ 603,882 $ 2,884 (1) For purposes of this table, Total Current Loans includes loans that are 1 - 29 days past due. In the table above, the consumer category includes student loans with principal and interest amounts that are 97 - 98% guaranteed by the federal government. The past due principal portion of these guaranteed loans totaled $4.8 million at December 31, 2016. NONACCRUAL LOANS The Company generally places commercial loans (including construction loans and commercial loans secured and not secured by real estate) in nonaccrual status when the full and timely collection of interest or principal becomes uncertain, part of the principal balance has been charged off and no restructuring has occurred or the loan reaches 90 days past due, unless the credit is well-secured and in the process of collection. Under regulatory rules, consumer loans, which are loans to individuals for household, family and other personal expenditures, and consumer loans secured by real estate (including residential 1 - 4 family mortgages, second mortgages, and equity lines of credit) are not required to be placed in nonaccrual status. Although consumer loans and consumer loans secured by real estate are not required to be placed in nonaccrual status, the Company may elect to place these loans in nonaccrual status, if necessary to avoid a material overstatement of interest income. Generally, consumer loans secured by real estate are placed in nonaccrual status only when payments are 120 days past due. Generally, consumer loans not secured by real estate are placed in nonaccrual status only when part of the principal has been charged off. If a charge-off has not occurred sooner for other reasons, a consumer loan not secured by real estate will generally be placed in nonaccrual status when payments are 120 days past due. These loans are charged off or written down to the net realizable value of the collateral when deemed uncollectible, when classified as a "loss," when repayment is unreasonably protracted, when bankruptcy has been initiated, or when the loan is 120 days or more past due unless the credit is well-secured and in the process of collection. When management places a loan in nonaccrual status, the accrued unpaid interest receivable is reversed against interest income and the loan is accounted for by the cash basis or cost recovery method, until it qualifies for return to accrual status or is charged off. Generally, loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured, or when the borrower has resumed paying the full amount of the scheduled contractual interest and principal payments for at least six months. The following table presents loans in nonaccrual status by class of loan as of the dates indicated: Nonaccrual Loans by Class December 31, 2017 December 31, 2016 (in thousands) Mortgage loans on real estate: Residential 1-4 family $ 1,447 $ 598 Commercial 9,468 6,033 Construction 721 - Second mortgages 118 129 Equity lines of credit 292 87 Total mortgage loans on real estate 12,046 6,847 Commercial and industrial loans 836 231 Consumer loans - 81 Total $ 12,882 $ 7,159 The following table presents the interest income that the Company would have earned under the original terms of its nonaccrual loans and the actual interest recorded by the Company on nonaccrual loans for the periods presented: Years Ended December 31, 2017 2016 2015 (in thousands) Interest income that would have been recorded under original loan terms $ 474 $ 318 $ 196 Actual interest income recorded for the period 281 269 141 Reduction in interest income on nonaccrual loans $ 193 $ 49 $ 55 TROUBLED DEBT RESTRUCTURINGS The Company's loan portfolio includes certain loans classified as TDRs, where economic concessions have been granted to borrowers who are experiencing financial difficulties. These concessions typically result from the Company's loss mitigation activities and could include reduction in the interest rate below current market rates for borrowers with similar risk profiles, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection. The Company defines a TDR as nonperforming if the TDR is in nonaccrual status or is 90 days or more past due and still accruing interest at the report date. When the Company modifies a loan, management evaluates any possible impairment as discussed further under Impaired Loans below. The following table presents TDRs during the period indicated, by class of loan: Troubled Debt Restructurings by Class For the Year Ended December 31, 2017 Number of Modifications Recorded Investment Prior to Modification Recorded Investment After Modification Current Investment on December 31, 2017 (dollars in thousands) Mortgage loans on real estate: Residential 1-4 family 1 $ 142 $ 142 $ 140 Commercial 3 5,132 5,132 5,132 Total 4 $ 5,274 $ 5,274 $ 5,272 Troubled Debt Restructurings by Class For the Year Ended December 31, 2016 Number of Modifications Recorded Investment Prior to Modification Recorded Investment After Modification Current Investment on December 31, 2016 (dollars in thousands) Mortgage loans on real estate: Residential 1-4 family 6 $ 1,061 $ 1,061 $ 992 Commercial 1 150 150 - Second mortgages 1 53 53 53 Equity lines of credit 1 93 93 86 Total mortgage loans on real estate 9 1,357 1,357 1,131 Commercial and industrial loans 1 152 152 144 Consumer loans 2 8 8 - Total 12 $ 1,517 $ 1,517 $ 1,275 Of the loans restructured in 2017 two were given a below-market rate for debt with similar risk characteristics and two were granted terms that the Company would not otherwise extend to borrowers with similar risk charateristics. All of the loans restructured in 2016 were given below-market rates for debt with similar risk characteristics. At December 31, 2017 and 2016, the Company had no outstanding commitments to disburse additional funds on any TDR. December 31, 2017 and 2016 In the years ended December 31, 2017 and 2016 there were no defaulting TDRs where the default occurred within twelve months of restructuring. The Company considers a TDR in default when any of the following occurs: the loan, as restructured, becomes 90 days or more past due; the loan is moved to nonaccrual status following the restructure; the loan is restructured again under terms that would qualify it as a TDR if it were not already so classified; or any portion of the loan is charged off. All TDRs are factored into the determination of the allowance for loan losses and included in the impaired loan analysis, as discussed below. IMPAIRED LOANS 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. Impaired loans include nonperforming loans and loans modified in a TDR. When management identifies a loan as impaired, the impairment is measured based on the present value of expected future cash flows, discounted at the loan's effective interest rate, except when the sole or remaining source of repayment for the loan is the operation or liquidation of the collateral. In these cases, management uses the current fair value of the collateral, less selling costs, when foreclosure is probable, instead of the discounted cash flows. If management determines that the value of the impaired loan is less than the recorded investment in the loan (net of previous charge-offs, deferred loan fees or costs and unamortized premium or discount), impairment is recognized through an allowance estimate or a charge-off to the allowance. When the ultimate collectability of the total principal of an impaired loan is in doubt and the loan is in nonaccrual status, all payments are applied to principal under the cost recovery method. For financial statement purposes, the recorded investment in the loan is the actual principal balance reduced by payments that would otherwise have been applied to interest. When reporting information on these loans to the applicable customers, the unpaid principal balance is reported as if payments were applied to principal and interest under the original terms of the loan agreements. Therefore, the unpaid principal balance reported to the customer would be higher than the recorded investment in the loan for financial statement purposes. When the ultimate collectability of the total principal of the impaired loan is not in doubt and the loan is in nonaccrual status, contractual interest is credited to interest income when received under the cash basis method. The following table includes the recorded investment and unpaid principal balances (a portion of which may have been charged off) for impaired loans with the associated allowance amount, if applicable, as of the dates presented. Also presented are the average recorded investments in the impaired loans and the related amount of interest recognized for the periods presented. The average balances are calculated based on daily average balances. Impaired Loans by Class As of December 31, 2017 For the Year Ended December 31, 2017 Recorded Investment Unpaid Principal Balance Without Valuation Allowance With Valuation Allowance Associated Allowance Average Recorded Investment Interest Income Recognized (in thousands) Mortgage loans on real estate: Residential 1-4 family $ 2,873 $ 2,499 $ 316 $ 52 $ 2,525 $ 90 Commercial 15,262 11,622 1,644 1 13,541 579 Construction 814 721 92 18 406 23 Second mortgages 473 318 135 14 464 20 Equity lines of credit 293 53 239 10 261 - Total mortgage loans on real estate $ 19,715 $ 15,213 $ 2,426 $ 95 $ 17,197 $ 712 Commercial and industrial loans 1,115 836 - - 1,388 30 Consumer loans - - - - 41 - Total $ 20,830 $ 16,049 $ 2,426 $ 95 $ 18,626 $ 742 Impaired Loans by Class As of December 31, 2016 For the Year Ended December 31, 2016 Recorded Investment Unpaid Principal Balance Without Valuation Allowance With Valuation Allowance Associated Allowance Average Recorded Investment Interest Income Recognized (in thousands) Mortgage loans on real estate: Residential 1-4 family $ 2,496 $ 1,835 $ 622 $ 75 $ 2,741 $ 119 Commercial 16,193 11,095 4,274 415 11,885 727 Construction 619 528 96 22 496 43 Second mortgages 526 309 141 17 511 25 Equity lines of credit 87 86 - - 46 3 Total mortgage loans on real estate $ 19,921 $ 13,853 $ 5,133 $ 529 $ 15,679 $ 917 Commercial and industrial loans 1,077 - 989 271 827 74 Consumer loans 81 81 - - 68 1 Total $ 21,079 $ 13,934 $ 6,122 $ 800 $ $ 16,574 $ 992 ALLOWANCE FOR LOAN LOSSES Loans are either individually evaluated for impairment or pooled with like loans and collectively evaluated for impairment. Also, various qualitative factors are applied to each segment of the loan portfolio. The allowance for loan losses is the accumulation of these components. Management's estimate is based on certain observable, historical data and other factors that management believes are most reflective of the underlying credit losses being estimated. Management provides an allocated component of the allowance for loans that are individually evaluated for impairment. An allocated allowance is established when the discounted value of expected future cash flows from the impaired loan (or the collateral value or observable market price of the impaired loan) is lower than the carrying value of that loan. This allocation represents the sum of management's estimated losses on each loan. Loans collectively evaluated for impairment are pooled, with a historical loss rate, based on migration analysis, applied to each pool, segmented by risk grade or days past due, depending on the type of loan. Based on credit risk assessments and management's analysis of qualitative factors, additional loss factors are applied to loan balances. These additional qualitative factors include: economic conditions, trends in growth, loan concentrations, changes in certain loans, changes in underwriting, changes in management and changes in the legal and regulatory environment. ALLOWANCE FOR LOAN LOSSES BY SEGMENT The following table presents, by portfolio segment, the changes in the allowance for loan losses and the recorded investment in loans for the periods presented. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. ALLOWANCE FOR LOAN LOSSES AND RECORDED INVESTMENT IN LOANS (in thousands) For the Year Ended December 31, 2017 Commercial Real Estate - Construction Real Estate - Mortgage Consumer Other Total Allowance for Loan Losses: Balance at the beginning of period $ 1,493 $ 846 $ 5,267 $ 455 $ 184 $ 8,245 Charge-offs (807 ) - (1,934 ) (279 ) (267 ) (3,287 ) Recoveries 37 104 45 56 88 330 Provision for loan losses 1,166 (409 ) 1,839 1,412 152 4,160 Ending balance 1,889 541 5,217 1,644 157 9,448 Ending balance individually evaluated for impairment - 18 77 - - 95 Ending balance collectively evaluated for impairment 1,889 523 5,140 1,644 157 9,353 Ending balance 1,889 541 5,217 1,644 157 9,448 Loan Balances: Ending balance individually evaluated for impairment 836 813 16,826 - - 18,475 Ending balance collectively evaluated for impairment 59,562 26,676 448,405 174,225 11,197 720,065 Ending balance $ 60,398 $ 27,489 $ 465,231 $ 174,225 $ 11,197 $ 738,540 For the Year Ended December 31, 2016 Commercial Real Estate - Construction Real Estate - Mortgage Consumer Other Total Allowance for Loan Losses: Balance at the beginning of period $ 633 $ 985 $ 5,628 $ 279 $ 213 $ 7,738 Charge-offs (915 ) - (504 ) (204 ) (147 ) (1,770 ) Recoveries 79 3 197 28 40 347 Provision for loan losses 1,696 (142 ) (54 ) 352 78 1,930 Ending balance 1,493 846 5,267 455 184 8,245 Ending balance individually evaluated for impairment 271 22 507 - - 800 Ending balance collectively evaluated for impairment 1,222 824 4,760 455 184 7,445 Ending balance 1,493 846 5,267 455 184 8,245 Loan Balances: Ending balance individually evaluated for impairment 989 624 18,362 81 - 20,056 Ending balance collectively evaluated for impairment 53,445 22,492 430,046 58,826 19,017 583,826 Ending balance $ 54,434 $ 23,116 $ 448,408 $ 58,907 $ 19,017 $ 603,882 CHANGES IN ACCOUNTING METHODOLOGY Historical loss rates calculated by migration analysis are determined by the performance of a loan over a period of time (the migration period). This migration period can be lengthened or shortened based on management's assessment of the most appropriate length of time over which to analyze losses in the loan portfolio. The Company can also calculate multiple migration periods, allowing management to assess the migration of loans based on more than one starting point. In the third quarter of 2017, management changed its migration approach for calculating the allowance to better match the length of the current credit cycle. The number of migration periods was changed from four to eight. Each migration period remains at twelve quarters, the length of the migration period used by the Company in prior periods. This change had the result of reducing the calculated provision by $1.2 million for the twelve months ended December 31, 2017. The prior methodology was resulting in distortion between required allocations by segment and the underlying credit metrics for those segments. By increasing the number of migration periods from four to eight, the migration is better able to capture the performance of the portfolio segment over a greater portion of the credit cycle. The following table represents the effect on the loan loss provision as a result of these changes in methodology. It compares the methodology actually used for the year ended December 31, 2017 to that used in prior periods. Calculated Provision Based on Current Methodology Calculated Provision Based on Prior Methodology Difference (in thousands) Portfolio Segment: Commercial $ 1,166 $ 1,653 $ (487 ) Real estate - construction (409 ) (791 ) 382 Real estate - mortgage 1,839 2,397 (558 ) Consumer loans 1,412 1,698 (286 ) Other 152 361 (209 ) Total $ 4,160 $ 5,318 $ (1,158 )

Other Real Estate Owned (OREO)

Other Real Estate Owned (OREO)	12 Months Ended
	Dec. 31, 2017
Other Real Estate Owned (OREO) [Abstract]
Other Real Estate Owned (OREO)	NOTE 5, Other Real Estate Owned (OREO) The Company holds certain parcels of real estate due to completed foreclosure proceedings on defaulted loans or the closing of former branches. An analysis of the balance in OREO is as follows: Years Ended December 31, 2017 2016 (in thousands) Balance at beginning of year $ 2,093 $ 5,290 Transfers to OREO due to foreclosure - - Other additions to foreclosed properties - 52 Closed branch locations transferred to OREO - 127 Properties sold (2,093 ) (3,376 ) Balance at end of year $ - $ 2,093 Other additions to foreclosed properties in the table above are for capital improvements on existing properties. OREOs are presented net of a valuation allowance for losses. As the fair values of OREOs change, adjustments are made to the recorded investment in the properties through the valuation allowance to ensure that all properties are recorded at the lower of cost or fair value. Properties written down in previous periods can be written back up if a current property valuation warrants the change, though never above the original cost of the property. An analysis of the valuation allowance on OREOs is as follows: Years Ended December 31, 2017 2016 (in thousands) Balance at beginning of year $ 1,026 $ 2,549 Additions and write-downs - 60 Reductions due to sales or increases in value (1,026 ) (1,583 ) Balance at end of year $ - $ 1,026 Expenses applicable to OREOs include the following: Years Ended December 31, 2017 2016 2015 (in thousands) Net loss (gain) on sales of real estate $ (18 ) $ 94 $ -54 Provision for losses (net write-downs) - 60 1,011 Operating expenses, net of income (1) 10 160 219 Total Expenses $ (8 ) $ 314 $ 1,176 (1) Included in other operating income and other operating expense on the Consolidated Statements of Operations.

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2017
Premises and Equipment [Abstract]
Premises and Equipment	NOTE 6, Premises and Equipment Premises and equipment consisted of the following at December 31: 2017 2016 (in thousands) Land $ 7,663 $ 7,663 Buildings 37,944 37,890 Construction in process 137 43 Leasehold improvements 861 852 Furniture, fixtures and equipment 19,675 19,220 66,280 65,668 Less accumulated depreciation and amortization 29,083 26,344 $ 37,197 $ 39,324 Depreciation expense for the years ended December 31, 2017, 2016, and 2015 amounted to $2.7 million, $2.7 million, and $2.5 million, respectively. The Company has noncancellable leases on premises and equipment expiring at various dates, not including extensions, to the year 2020. Certain leases provide for increased annual payments based on increases in real estate taxes and the Consumer Price Index. The total approximate minimum rental commitment at December 31, 2017 under noncancellable leases is $413 thousand which is due as follows (in thousands): 2018 $ 178 2019 156 2020 79 Total $ 413 The aggregate rental expense of premises and equipment was $345 thousand,$239 thousand, and $270 thousand for December 31, 2017, 2016, and 2015, respectively.

Low-Income Housing Tax Credits

Low-Income Housing Tax Credits	12 Months Ended
	Dec. 31, 2017
Low-Income Housing Tax Credits [Abstract]
Low-Income Housing Tax Credits	NOTE 7, Low-Income Housing Tax Credits The Company was invested in four separate housing equity funds at both December 31, 2017 and December 31, 2016. The general purpose of these funds is to encourage and assist participants in investing in low-income residential rental properties located in the Commonwealth of Virginia, develop and implement strategies to maintain projects as low-income housing, deliver Federal Low Income Housing Credits to investors, allocate tax losses and other possible tax benefits to investors, and preserve and protect project assets. The investments in these funds were recorded as other assets on the consolidated balance sheets and were $3.5 million and $3.9 million at December 31, 2017 and December 31, 2016, respectively. The expected terms of these investments and the related tax benefits run through 2033. Additional committed capital calls expected for the funds totaled $1.1 million and $2.5 million at December 31, 2017 and December 31, 2016, respectively, and are recorded in accrued expenses and other liabilities on the corresponding consolidated balance sheets. During the years ended December 31, 2017, 2016, and 2015, the Company recognized amortization expense of $340 thousand, $300 thousand, and $219 thousand, respectively, which was included within noninterest expense on the consolidated statements of operations. The table below summarizes the tax credits and other tax benefits recognized by the Company and related to these investments, as of the periods indicated: Years Ended December 31, 2017 2016 2015 (in thousands) Tax credits received $ 412 $ 384 $ (291 ) Tax benefit from losses 116 102 74 Total tax benefit $ 528 $ 486 $ 365

Deposits

Deposits	12 Months Ended
	Dec. 31, 2017
Deposits [Abstract]
Deposits	NOTE 8, Deposits The aggregate amount of time deposits in denominations of $250 thousand or more at December 31, 2017 and 2016 was $39.9 million and $38.1 million, respectively. As of December 31, 2017, no single customer relationship exceeded 5 percent of total deposits. At December 31, 2017 the scheduled maturities of time deposits (in thousands) are as follows: 2018 $ 80,198 2019 36,737 2020 52,384 2021 24,485 2022 19,021 Total $ 212,825

Short Term and Long Term Borrow

Short Term and Long Term Borrowings	12 Months Ended
	Dec. 31, 2017
Short Term and Long Term Borrowings [Abstract]
Short Term and Long Term Borrowings	NOTE 9, Short Term and Long Term Borrowings Short-Term Borrowings The Company classifies all borrowings that will mature within a year from the date on which the Company enters into them as short-term borrowings. Short-term borrowings sources consist of federal funds purchased, overnight repurchase agreements (which are secured transactions with customers that generally mature within one to four days), and advances from the FHLB. The Company maintains federal funds lines with several correspondent banks to address short-term borrowing needs. At December 31, 2017 and December 31, 2016 the remaining credit available from these lines totaled $45.0 million and $55.0 million, respectively. The Company has a collateral dependent line of credit with the FHLB with remaining credit availability of $217.0 million and $270.0 million as of December 31, 2017 and December 31, 2016, respectively. The following table presents total short-term borrowings as of the dates indicated (dollars in thousands): December 31, 2017 December 31, 2016 Federal funds purchased $ 10,000 $ - Overnight repurchase agreements 20,693 18,704 Federal Home Loan Bank Advances 47,500 - Total short-term borrowings $ 78,193 $ 18,704 Maximum month-end outstanding balance $ 79,819 $ 68,864 Average outstanding balance during the period $ 53,165 $ 39,364 Average interest rate during the period 0.72 % 0.59 % Average interest rate at end of period 1.27 % 0.10 % Long-Term Borrowings At December 31, 2017, the Company had the following long-term FHLB advances outstanding (dollars in thousands). Long-term Type Interest Rate Maturity Date Advance Amount Fixed Rate Hybrid 1.54 % 2/28/2019 $ 10,000 Fixed Rate Hybrid 1.90 % 11/15/2019 10,000 $ 20,000 There were no long-term borrowings at December 31, 2016.

Share-Based Compensation

Share-Based Compensation	12 Months Ended
	Dec. 31, 2017
Share-Based Compensation [Abstract]
Share-Based Compensation	NOTE 10, Share-Based Compensation The Company has adopted an employee stock purchase plan and offers share-based compensation through its equity compensation plan. Share-based compensation arrangements may include stock options, restricted and unrestricted stock awards, restricted stock units, performance units and stock appreciation rights. Accounting standards require all share-based payments to employees to be valued using a fair value method on the date of grant and to be expensed based on that fair value over the applicable vesting period. The Company accounts for forfeitures during the vesting period as they occur. The Company's 1998 Stock Option Plan, pursuant to which stock options could be granted to key employees and non-employee directors, expired on March 9, 2008. Stock options that were outstanding on March 9, 2008 remained outstanding in accordance with their terms, but no new awards could be granted under the plan after March 9, 2008. At December 31, 2017, no options to purchase shares of common stock granted under the stock option plan remain outstanding. Stock option activity for the year ended December 31, 2017 is summarized below: Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Life (in years) Aggregate Intrinsic Value (in thousands) Options outstanding, January 1, 2017 60,605 $ 20.05 Granted - - Exercised (58,105 ) 20.05 Canceled or expired (2,500 ) 20.05 Options outstanding, December 31, 2017 - $ - - $ - Options exercisable, December 31, 2017 - $ - - $ - During 2017 and 2016, the Company received $1.3 million and $25 thousand, respectively, from the exercise of stock options. No options were granted during the years ended December 31, 2017 or December 31, 2016. As of December 31, 2017 and December 31, 2016, all outstanding stock options were fully vested and there was no unrecognized stock-based compensation expense. The 2016 Incentive Stock Plan (the Incentive Stock Plan) permits the issuance of up to 300,000 shares of common stock for awards to key employees and non-employee directors of the Company and its subsidiaries in the form of stock options, restricted stock, restricted stock units, stock appreciation rights, stock awards and performance units. The Company did not award any equity compensation under the Incentive Stock Plan during 2016. Restricted stock activity for the year ended December 31, 2017 is summarized below. Shares Weighted Average Grant Date Fair Value Nonvested, January 1, 2017 - $ - Issued 2,245 33.60 Vested - - Forfeited - - Nonvested, December 31, 2017 2,245 $ 33.60 The weighted average period over which nonvested awards are expected to be recognized in compensation expense is two years. The fair value of restricted stock granted during the year ended December 31, 2017 was $75 thousand. The remaining unrecognized compensation expense for the shares granted during the year ended December 31, 2017 totaled $58 thousand as of December 31, 2017. Stock-based compensation expense was $17 thousand for the year ended December 31, 2017. There was no stock compensation expense in 2016. Under the Company's Employee Stock Purchase Plan (ESPP), substantially all employees of the Company and its subsidiaries can authorize a specific payroll deduction from their base compensation for the periodic purchase of the Company's common stock. Shares of stock are issued quarterly at a discount to the market price of the Company's stock on the day of purchase, which can range from 0-15% and for 2017 and 2016 was set at 5%. Total stock purchases under the ESPP amounted to 3,548 shares during 2017 and 999 shares during 2016. At December 31, 2017, the Company had 245,453 remaining shares reserved for issuance under this plan.

Stockholders' Equity and Earnin

Stockholders' Equity and Earnings per Common Share	12 Months Ended
	Dec. 31, 2017
Stockholders' Equity and Earnings Per Common Share [Abstract]
Stockholders' Equity and Earnings Per Common Share	NOTE 11, Stockholders' Equity and Earnings per Common Share STOCKHOLDERS' EQUITY--OTHER COMPREHENSIVE INCOME (LOSS) The following table presents information on amounts reclassified out of accumulated other comprehensive Income (loss), by category, during the periods indicated: Years Ended Affected Line Item on Consolidated Statement of Income 2017 2016 2015 (in thousands) Available-for-sale securities Realized gains (losses) on sales of securities $ 96 $ 522 $ 76 Gain (loss) on sale of available-for-sale securities, net Tax effect 33 177 26 Income tax expense (benefit) $ 63 $ 345 $ 50 Defined-benefit pension plan Amortization of actuarial loss (1) $ (490 ) $ (504 ) $ (390 ) Salaries and employee benefits Tax effect (167 ) (171 ) (133 ) Income tax expense (benefit) $ (323 ) $ (333 ) $ (257 ) Total reclassifications for the period $ (260 ) $ 12 $ (207 ) (1) This accumulated other comprehensive loss component is included in the computation of net periodic pension cost (see Note 14. Pension Plan and 401(k) Plan for additional details). The following table presents the changes in accumulated other comprehensive Income (loss), by category, net of tax, for the periods indicated: Unrealized Gains (Losses) on Available- for-Sale Securities Unrealized Losses on Securities Transferred from Available- for-Sale to Held-to- Maturity (1) Defined Benefit Pension Plans (2) Accumulated Other Comprehensive Income (Loss) (in thousands) Balance at December 31, 2014 $ (78 ) $ (3,386 ) $ (2,429 ) $ (5,893 ) Net change for the year ended December 31, 2015 (498 ) 3,386 (157 ) 2,731 Balance at December 31, 2015 (576 ) - (2,586 ) (3,162 ) Net change for the year ended December 31, 2016 (1,163 ) - 117 (1,046 ) Balance at December 31, 2016 $ (1,739 ) $ - $ (2,469 ) $ (4,208 ) Net change for the year ended December 31, 2017 1,032 - 2,469 3,501 Balance at December 31, 2017 $ (707 ) $ - $ - $ (707 ) (1) Net change for the year ended December 31, 2015 represents reclassification due to the transfer of securities held-to-maturity to available-for-sale. (2) Net change reflects termination and settlement of the pension plan during year ended December 31, 2017. The following table presents the change in each component of other comprehensive income, net of tax on a pre-tax and after-tax basis for the periods indicated. Year Ended December 31, 2017 Pretax Tax Effect Net-of-Tax (in thousands) Unrealized gains on available-for-sale securities: Unrealized holding gains arising during the period $ 1,659 $ 564 $ 1,095 Reclassification adjustment for gains recognized in income (96 ) (33 ) (63 ) Net unrealized gains on securities 1,563 531 1,032 Defined benefit pension plans: Plan termination, settlement and net amortization 3,741 1,272 2,469 Total change in accumulated other comprehensive income $ 5,304 $ 1,803 $ 3,501 Year Ended December 31, 2016 Pretax Tax Effect Net-of-Tax (in thousands) Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (1,240 ) $ (422 ) $ (818 ) Reclassification adjustment for gains recognized in income (522 ) (177 ) (345 ) Net change (1,762 ) (599 ) (1,163 ) Defined benefit pension plans: Net actuarial loss for the period (327 ) (111 ) (216 ) Amortization of actuarial loss from prior period 504 171 333 Net change 177 60 117 Total change in accumulated other comprehensive loss $ (1,585 ) $ (539 ) $ (1,046 ) Year Ended December 31, 2015 Pretax Tax Effect Net-of-Tax (in thousands) Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (679 ) $ (231 ) $ (448 ) Reclassification adjustment for gains recognized in income (76 ) (26 ) (50 ) Net change (755 ) (257 ) (498 ) Unrealized losses on securities transferred from available-for-sale to held-to-maturity: Elimination upon transfer back to available-for-sale 4,197 1,427 2,770 Amortization 934 318 616 Net change 5,131 1,745 3,386 Defined benefit pension plans: Net actuarial loss for the period (627 ) (213 ) (414 ) Amortization of actuarial loss from prior period 390 133 257 Net change (237 ) (80 ) (157 ) Total change in accumulated other comprehensive loss $ 4,139 $ 1,408 $ 2,731 EARNINGS PER COMMON SHARE Basic earnings per share is computed by dividing net income by the weighted average number of common shares outstanding during the period. Diluted earnings per share is computed using the weighted average number of common shares outstanding during the period, including the effect of dilutive potential common shares attributable to outstanding stock options. The following is a reconciliation of the denominators of the basic and diluted EPS computations for the years ended December 31, 2017, 2016, and 2015: Net Income Available to Common Shareholders (Numerator) Weighted Average Common Shares (Denominator) Per Share Amount (in thousands except per share data) Year Ended December 31, 2017 Net income, basic $ (29 ) 4,991 $ (0.01 ) Potentially dilutive common shares - stock options - - - Potentially dilutive common shares - employee stock purchase program - - - Diluted $ (29 ) 4,991 $ (0.01 ) Year Ended December 31, 2016 Net income, basic $ 3,797 4,959 $ 0.77 Potentially dilutive common shares - stock options - 2 - Potentially dilutive common shares - employee stock purchase program - - - Diluted $ 3,797 4,961 $ 0.77 Year Ended December 31, 2015 Net income, basic $ 3,634 4,959 $ 0.73 Potentially dilutive common shares - stock options - - - Potentially dilutive common shares - employee stock purchase program - - - Diluted $ 3,634 4,959 $ 0.73 The Company had no antidilutive shares in 2017. The Company did not include an average of 52 thousand and 76 thousand potential common shares attributable to outstanding stock options in the diluted earnings per share calculation for 2016 and 2015, respectively, because they were antidilutive. Non-vested restricted common shares, which carry all rights and privileges of a common share with respect to the stock, including the right to vote, were included in the basic and diluted per common share calculations.

Related Party Transactions

Related Party Transactions	12 Months Ended
	Dec. 31, 2017
Related Party Transactions [Abstract]
Related Party Transactions	NOTE 12, Related Party Transactions In the ordinary course of business, the Company has granted loans to principal stockholders, executive officers and directors and their affiliates. These loans were made on substantially the same terms and conditions, including interest rates, collateral and repayment terms, as those prevailing at the same time for comparable transactions with unrelated persons, and, in the opinion of management and the Company's board of directors, do not involve more than normal risk or present other unfavorable features. None of the principal stockholders, executive officers or directors had direct or indirect loans exceeding 10 percent of stockholders' equity at December 31, 2017. Annual activity consisted of the following: 2017 2016 (in thousands) Balance, beginning of year $ 4,354 $ 4,429 Additions 351 110 Reductions (418 ) (185 ) Balance, end of year $ 4,287 $ 4,354 Deposits from related parties held by the Company at December 31, 2017 and 2016 amounted to $12.5 million and $13.8 million, respectively.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2017
Income Taxes [Abstract]
Income Taxes	NOTE 13, Income Taxes On December 22, 2017, the Tax Act was signed into law. Among other things, the Tax Act permanently reduced the corporate tax rate to 21% from the prior maximum rate of 35%, effective for tax years including or commencing January 1, 2018. As a result of the reduction of the corporate tax rate to 21%, companies are required to revalue their deferred tax assets and liabilities as of the date of enactment, with resulting tax effects accounted for in the fourth quarter of 2017. The Company continues to evaluate the impact on its 2017 tax expense of the revaluation required by the lower corporate tax rate implemented by the Tax Act. During the fourth quarter of 2017, the Company recorded $1.2 million in additional tax expense based on the Company's preliminary analysis of the impact of the Tax Act. The Company's preliminary estimate of the impact of the Tax Act is based on currently available information and interpretation of its provisions. The actual results may differ from the current estimate due to, among other things, further guidance that may be issued by U.S. tax authorities or regulatory bodies and/or changes in interpretations and assumptions that the Company has preliminarily made. The Company's evaluation of the impact of the Tax Act is subject to refinement for up to one year after enactment per the guidance under ASC 740, Accounting for Uncertainty in Income Taxes, and the Securities and Exchange Commission's Staff Accounting Bulletin 118. The components of income tax expense for the current and prior year-ends are as follows: 2017 2016 2015 (in thousands) Current income tax expense $ 20 $ 179 $ 281 Deferred income tax benefit (117 ) (19 ) (227 ) Reported income tax expense (benefit) $ (97 ) $ 160 $ 54 A reconciliation of the expected federal income tax expense on income before income taxes with the reported income tax expense for the same periods follows: Years Ended December 31, 2017 2016 2015 (in thousands) Expected tax expense (34%) $ (43 ) $ 1,345 $ 1,254 Interest expense on tax-exempt assets 23 15 22 Low-income housing tax credits (412 ) (384 ) (274 ) Tax-exempt interest (628 ) (608 ) (654 ) Bank-owned life insurance (263 ) (270 ) (301 ) Impact of Tax Act 1,221 - - Other, net 5 62 7 Reported income tax expense $ (97 ) $ 160 $ 54 The effective tax rates for 2017, 2016, and 2015 were -77.0%, 4.0%, and 1.5%, respectively. The components of the net deferred tax asset, included in other assets, are as follows: December 31, 2017 2016 (in thousands) Deferred tax assets: Allowance for loan losses $ 1,984 $ 2,803 Interest on nonaccrual loans 82 71 Other real estate owned - 349 Pension - other comprehensive income - 1,272 Bank owned life insurance benefit 55 94 Charitable contributions carried forward 2 1 Net unrealized loss on securities available-for-sale 225 896 Unexercised nonqualified options - 36 Alternative minimum tax 1,344 1,019 Deferred benefits and compensation 139 256 Other 179 89 $ 4,010 $ 6,886 Deferred tax liabilities: Depreciation $ (404 ) $ (822 ) Accretion of discounts on securities - (1 ) Deferred loan fees and costs (295 ) (325 ) Pension - (740 ) (699 ) (1,888 ) Net deferred tax assets $ 3,311 $ 4,998 The Company files income tax returns in the U.S. federal jurisdiction and the Commonwealth of Virginia. With few exceptions, the Company is no longer subject to U.S. federal, state and local income tax examinations by tax authorities for years prior to 2014.

Pension Plan and 401(k) Plan

Pension Plan and 401(k) Plan	12 Months Ended
	Dec. 31, 2017
Pension Plan and 401(k) Plan [Abstract]
Pension Plan and 401(k) Plan	NOTE 14, Pension Plan and 401(k) Plan PENSION PLAN The Company previously provided pension benefits for eligible participants through a non-contributory defined-benefit pension plan. The plan was frozen effective September 30, 2006; therefore no additional participants have been or will be added to the plan since such date. On November 23, 2016 the Company's Board of Directors voted to terminate the pension plan, effective January 31, 2017. The Company completed the transfer of all liabilities and administrative responsibilities under the Plan in the fourth quarter of 2017 which resulted in a nonrecurring pretax termination charge of $3.4 million in 2017. Information pertaining to the activity in the plan, using a measurement date of December 31, is as follows: Years ended December 31, 2017 2016 (in thousands) Change in benefit obligation Benefit obligation at beginning of year $ 7,062 $ 7,039 Service cost - - Interest cost 268 279 Benefits paid (6,977 ) (461 ) Actuarial (gain) loss (353 ) 205 Benefit obligation at end of year $ - $ 7,062 Change in plan assets Fair value of plan assets at beginning of year $ 5,499 $ 5,691 Actual return on plan assets (76 ) 269 Employer contribution 1,554 - Benefits paid (6,977 ) (461 ) Fair value of plan assets at end of year $ - $ 5,499 Funded Status at end of year $ - $ (1,563 ) December 31, 2017 2016 (in thousands) Amounts recognized in the consolidated balance sheets Accrued pension liability $ - $ (1,563 ) Amounts recognized in accumulated other comprehensive (income) loss Loss $ - $ 3,741 Deferred taxes - (1,272 ) Net loss $ - $ 2,469 Accumulated benefit obligation $ - $ 7,062 Assumptions used to determine the benefit obligations at December 31, 2017 2016 Discount rate 0.00 % 3.86 % During the years ending December 31, Weighted-average assumptions used to determine net periodic pension cost 2017 2016 Discount rate 3.86 % 4.03 % Expected long-term rate of return on plan assets 7.00 % 7.00 % Years ended December 31, 2017 2016 2015 Components of net periodic pension cost (in thousands) Interest cost $ 268 $ 279 $ 260 Expected return on plan assets (376 ) (391 ) (376 ) Amortization of unrecognized loss 490 504 390 Preliminary net periodic pension cost 382 392 274 Settlement/curtailment expense 3,350 - - Net periodic pension cost $ 3,732 $ 392 $ 274 Components of other amounts recognized in other comprehensive income (loss) Net actuarial (gain) loss $ 99 $ 327 $ 627 Settlement loss (3,350 ) - Amortization of actuarial loss (490 ) (504 ) (390 ) Total recognized in other comprehensive income (loss) $ (3,741 ) $ (177 ) $ 237 Total recognized in net periodic benefit cost and other comprehensive income (loss) $ (9 ) $ 215 $ 511 Fair value is discussed in detail in Note 16. Upon termination of the Company's pension plan in the fourth quarter of 2017 all assets under the plan were liquidated. The fair value of the pension plan assets by asset category were as follows at December 31, 2016: Assets at Fair Value as of December 31, 2016 Asset Category Level 1 Level 2 Level 3 Total (in thousands) Money market funds $ 2,839 $ - $ - $ 2,839 Mutual funds - - - - Common stock 1,129 - - 1,129 Corporate bonds - 1,472 - 1,472 Partnerships - 59 - 59 Total assets at fair value $ 3,968 $ 1,531 $ - $ 5,499 The Company made no contributions to the pension plan in 2016 or in 2017, until the plan was terminated. 401(K) PLAN The Company has a 401(k) Plan in which substantially all employees are eligible to participate. Employees may contribute to the plan subject to certain limits based on federal tax laws. The Company makes matching contributions equal to 100 percent of the first 4 percent of an employee's compensation contributed to the plan. Matching contributions vest to the employee immediately. The Company may make profit sharing contributions to the plan as determined by the Board of Directors. Profit sharing contributions vest to the employee over a six-year period. For the years ended December 31, 2017, 2016, and 2015, expense attributable to the plan amounted to $536 thousand, $523 thousand, and $519 thousand, respectively.

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2017
Commitments and Contingencies [Abstract]
Commitments and Contingencies	NOTE 15, Commitments and Contingencies CREDIT-RELATED FINANCIAL INSTRUMENTS The Company is a party to credit-related financial instruments with off-balance-sheet risk in the normal course of business in order to meet the financing needs of its customers. These financial instruments include commitments to extend credit, standby letters of credit and commercial letters of credit. Such commitments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the consolidated balance sheets. The Company's exposure to credit loss is represented by the contractual amount of these commitments. The Company follows the same credit policies in making such commitments as it does for on-balance-sheet instruments. The following financial instruments whose contract amounts represent credit risk were outstanding at December 31: 2017 2016 (in thousands) Commitments to extend credit: Home equity lines of credit $ 56,486 $ 47,243 Commercial real estate, construction and development loans committed but not funded 19,526 15,948 Other lines of credit (principally commercial) 68,101 81,966 Total $ 144,113 $ 145,157 Letters of credit $ 3,331 $ 3,597 Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer's credit-worthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Company, upon extensions of credit is based on management's credit evaluation of the customer. Collateral held varies but may include accounts receivable, inventory, property, plant and equipment and income-producing commercial properties. Unfunded commitments under commercial lines of credit, revolving credit lines, and overdraft protection agreements are commitments for possible future extensions of credit to existing customers. These lines of credit are not collateralized and usually do not contain a specified maturity date, and ultimately may or may not be drawn upon to the total extent to which the Company is committed. Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Those letters of credit are primarily issued to support public and private borrowing arrangements. Essentially all letters of credit issued have expiration dates within one year, with the exception of one letter of credit which expires in 2020. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. The Company holds various collateral supporting those commitments for which collateral is deemed necessary. LEGAL CONTINGENCIES Various legal claims arise from time to time in the normal course of business, which, in the opinion of management, will not have a material effect on the Company's Consolidated Financial Statements.

Fair Value Measurements

Fair Value Measurements	12 Months Ended
	Dec. 31, 2017
Fair Value Measurements [Abstract]
Fair Value Measurements	NOTE 16, Fair Value Measurements DETERMINATION OF FAIR VALUE The Company uses fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. In accordance with the "Fair Value Measurements and Disclosures" topics of FASB ASU 2010-06 and FASB ASU 2011-04, the fair value of a financial instrument is the price that would be received in the sale of an asset or transfer of a liability in an orderly transaction between market participants at the measurement date. Fair value is best determined based upon quoted market prices. However, in many instances, there are no quoted market prices for the Company's various financial instruments. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimate of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the instrument. The fair value guidance provides a consistent definition of fair value, which focuses on exit price in an orderly transaction (that is, not a forced liquidation or distressed sale) between market participants at the measurement date under current market conditions. If there has been a significant decrease in the volume and level of activity for the asset or liability, a change in valuation technique or the use of multiple valuation techniques may be appropriate. In such instances, determining the price at which willing market participants would transact at the measurement date under current market conditions depends on the facts and circumstances and requires the use of significant judgment. The fair value can be a reasonable point within a range that is most representative of fair value under current market conditions. In estimating the fair value of assets and liabilities, the Company relies mainly on two models. The first model, used by the Company's bond accounting service provider, determines the fair value of securities. Securities are priced based on an evaluation of observable market data, including benchmark yield curves, reported trades, broker/dealer quotes, and issuer spreads. Pricing is also impacted by credit information about the issuer, perceived market movements, and current news events impacting the individual sectors. For assets other than securities and for all liabilities, fair value is determined using the Company's asset/liability modeling software. The software uses current yields, anticipated yield changes, and estimated duration of assets and liabilities to calculate fair value. In accordance with ASC 820, "Fair Value Measurements and Disclosures," the Company groups its financial assets and financial liabilities generally measured at fair value into three levels, based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value. Level 1 – Valuation is based on quoted prices in active markets for identical assets or liabilities that the reporting entity has the ability to access at the measurement date. Level 1 assets and liabilities generally include debt and equity securities that are traded in an active exchange market. Valuations are obtained from readily available pricing sources for market transactions involving identical assets or liabilities. Level 2 – Valuation is based on inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly. The valuation may be based on quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the asset or liability. Level 3 – Valuation is based on unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which determination of fair value requires significant management judgment or estimation. An instrument's categorization within the valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement. ASSETS MEASURED AT FAIR VALUE ON A RECURRING BASIS Debt and equity securities with readily determinable fair values that are classified as "available-for-sale" are recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income. Securities available-for-sale are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted market prices, when available (Level 1). If quoted market prices are not available, fair values are measured utilizing independent valuation techniques of identical or similar securities for which significant assumptions are derived primarily from or corroborated by observable market data. Third party vendors compile prices from various sources and may determine the fair value of identical or similar securities by using pricing models that consider observable market data (Level 2). 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. Currently, all of the Company's available-for-sale securities are considered to be Level 2 securities. The following table presents the balances of certain assets measured at fair value on a recurring basis as of the dates indicated: Fair Value Measurements at December 31, 2017 Using Description Balance Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (in thousands) Available-for-sale securities Obligations of U.S. Government agencies $ 9,435 $ - $ 9,435 $ - Obligations of state and political subdivisions 64,765 - 64,765 - Mortgage-backed securities 74,296 - 74,296 - Money market investments 1,194 - 1,194 - Corporate bonds 7,234 - 7,234 - Other marketable equity securities 197 - 197 - Total available-for-sale securities $ 157,121 $ - $ 157,121 $ - Fair Value Measurements at December 31, 2016 Using Description Balance Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (in thousands) Available-for-sale securities U.S. Treasury securities $ 20,000 $ - $ 20,000 $ - Obligations of U.S. Government agencies 9,195 - 9,195 - Obligations of state and political subdivisions 77,987 - 77,987 - Mortgage-backed securities 83,694 - 83,694 - Money market investments 647 - 647 - Corporate bonds 7,678 - 7,678 - Other marketable equity securities 164 - 164 - Total available-for-sale securities $ 199,365 $ - $ 199,365 $ - ASSETS MEASURED AT FAIR VALUE ON A NONRECURRING BASIS Under certain circumstances, adjustments are made to the fair value for assets and liabilities although they are not measured at fair value on an ongoing basis. Impaired loans 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. The measurement of fair value and loss associated with impaired loans can be based on the observable market price of the loan, the fair value of the collateral securing the loan, or the present value of the loan's expected future cash flows, discounted at the loan's effective interest rate. Collateral may be in the form of real estate or business assets including equipment, inventory, and accounts receivable, with the vast majority of the collateral in real estate. The value of real estate collateral is determined utilizing an income, market, or cost valuation approach based on an appraisal conducted by an independent, licensed appraiser outside of the Company. In the case of loans with lower balances, the Company may obtain a real estate evaluation instead of an appraisal. Evaluations utilize many of the same techniques as appraisals, and are typically performed by independent appraisers. Once received, appraisals and evaluations are reviewed by trained staff independent of the lending function to verify consistency and reasonability. Appraisals and evaluations are based on significant unobservable inputs, including but not limited to: adjustments made to comparable properties, judgments about the condition of the subject property, the availability and suitability of comparable properties, capitalization rates, projected income of the subject or comparable properties, vacancy rates, projected depreciation rates, and the state of the local and regional economy. The Company may also elect to make additional reductions in the collateral value based on management's best judgment, which represents another source of unobservable inputs. Because of the subjective nature of collateral valuation, impaired loans are considered Level 3. Impaired loans may be secured by collateral other than real estate. The value of business equipment is based upon an outside appraisal if deemed significant, or the net book value on the applicable business' financial statements if not considered significant using observable market data. Likewise, values for inventory and accounts receivable collateral are based on financial statement balances or aging reports (Level 3). If a loan is not collateral-dependent, its impairment may be measured based on the present value of expected future cash flows, discounted at the loan's effective interest rate. Because the loan is discounted at its effective rate of interest, rather than at a market rate, the loan is not considered to be held at fair value and is not included in the tables below. Collateral-dependent impaired loans allocated to the allowance for loan losses are measured at fair value on a nonrecurring basis. Any fair value adjustments are recorded in the period incurred as part of the provision for loan losses on the Consolidated Statements of Operations. Other Real Estate Owned (OREO) Loans are transferred to OREO when the collateral securing them is foreclosed on. The measurement of loss associated with OREOs is based on the fair value of the collateral compared to the unpaid loan balance and anticipated costs to sell the property. If there is a contract for the sale of a property, and management reasonably believes the transaction will be consummated in accordance with the terms of the contract, fair value is based on the sale price in that contract (Level 1). If management has recent information about the sale of identical properties, such as when selling multiple condominium units on the same property, the remaining units would be valued based on the observed market data (Level 2). Lacking either a contract or such recent data, management would obtain an appraisal or evaluation of the value of the collateral as discussed above under Impaired Loans (Level 3). After the asset has been booked, a new appraisal or evaluation is obtained when management has reason to believe the fair value of the property may have changed and no later than two years after the last appraisal or evaluation was received. Any fair value adjustments to OREOs below the original book value are recorded in the period incurred and expensed against current earnings. Loans Held For Sale Loans held for sale are carried at fair value. These loans currently consist of residential loans originated for sale in the secondary market. Fair value is based on the price secondary markets are currently offering for similar loans using observable market data which is not materially different than cost due to the short duration between origination and sale (Level 2). Gains and losses on the sale of loans are recorded within the mortgage segment and are reported on a separate line item on the Company's Consolidated Statements of Income. The following table presents the assets carried on the consolidated balance sheets for which a nonrecurring change in fair value has been recorded. Assets are shown by class of loan and by level in the fair value hierarchy, as of the dates indicated. Certain impaired loans are valued by the present value of the loan's expected future cash flows, discounted at the loan's effective interest rate. These loans are not carried on the consolidated balance sheets at fair value and, as such, are not included in the table below. Former branch sites are carried at the lower of cost or market. Those carried at cost are not included in the table below. Carrying Value at December 31, 2017 Using Description Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (in thousands) Impaired loans Mortgage loans on real estate: Residential 1-4 family $ 264 $ - $ - $ 264 Construction 74 - - 74 Equity lines of credit 229 - - 229 Total $ 567 $ - $ - $ 567 Loans held for sale $ 779 $ - $ 779 $ - Carrying Value at December 31, 2016 Using Description Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (in thousands) Impaired loans Mortgage loans on real estate: Residential 1-4 family $ 400 $ - $ - $ 400 Commercial 1,483 - - 1,483 Construction 74 - - 74 Total mortgage loans on real estate 1,957 - - 1,957 Commercial loans 718 - - 718 Total $ 2,675 $ - $ - $ 1,957 Other real estate owned Construction $ 940 $ - $ - $ 940 Total $ 940 $ - $ - $ 940 The following table displays quantitative information about Level 3 Fair Value Measurements as of the dates indicated: Quantitative Information About Level 3 Fair Value Measurements Description Fair Value at December 31, 2017 (dollars in thousands) Valuation Techniques Unobservable Input Range (Average) Impaired loans Residential 1-4 family real estate $ 264 Market comparables Selling costs 7.25 % Liquidation discount 0.00% - 4.00% (2.91 %) Construction 74 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Equity lines of credit 229 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Quantitative Information About Level 3 Fair Value Measurements Description Fair Value at December 31, 2016 (dollars in thousands) Valuation Techniques Unobservable Input Range (Average) Impaired loans Residential 1-4 family real estate $ 400 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Commercial real estate 1,483 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Construction 74 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Commercial loans 718 Market comparables Selling costs 0.00 % Liquidation discount 0.00% - 38.58% (32.40 %) Other real estate owned Construction 940 Market comparables Selling costs 7.25 % Liquidation discount 0.00 % FASB ASC 825, "Financial Instruments," requires disclosure about fair value of financial instruments and excludes certain financial instruments and all non-financial instruments from its disclosure requirements. Accordingly, the aggregate fair value amounts presented may not necessarily represent the underlying fair value of the Company's assets. The following methods and assumptions were used by the Company in estimating fair value disclosures for financial instruments not discussed above: CASH AND CASH EQUIVALENTS The carrying amounts of cash and short-term instruments, including interest-bearing due from banks, approximate fair values. RESTRICTED SECURITIES The restricted security category is comprised of FHLB and Federal Reserve Bank stock. These stocks are classified as restricted securities because their ownership is restricted to certain types of entities and they lack a market. When the FHLB or Federal Reserve Bank repurchases stock, they repurchase at the stock's book value. Therefore, the carrying amounts of restricted securities approximate fair value. LOANS RECEIVABLE The fair value of a loan is based on its interest rate in relation to its risk profile, in comparison to what an investor could earn on a different investment with a similar risk profile. Variations in risk tolerance between lenders, and thus in risk pricing, can result in the same loan being priced differently at different institutions. A bank's experience with the type of lending (such as commercial real estate) can also impact its assessment of the riskiness of a loan. A comprehensive picture of competitors' rates in relation to borrower risk profiles is not available. Since the rate and risk profile are the primary factors in determining the fair value of a loan, both of which are unobservable in the market, the Company classifies loans as Level 3 in the fair value hierarchy. The Company uses a model which estimates market value based on the loan's interest rate (regardless of its risk level) and rates for debt of similar maturities where market data is available. Fair values for non-performing loans are estimated as described above. BANK-OWNED LIFE INSURANCE Bank-owned life insurance represents insurance policies on certain current and former officers of the Company. The cash value of the policies is estimated using information provided by the insurance carrier. The insurance carrier uses actuarial data to estimate the value of each policy, based on the age and health of the insured relative to other individuals about whom the carrier has information. Health information can be broken down into quantitative, observable inputs, such as smoking habits, blood pressure, and weight, which, along with the insured's age, can be compared to observable data the insurance carrier has available. The carrier can then estimate the cash value of each policy. Since the cash value represents the amount of cash the Company would receive when the policies are paid, the cash value closely approximates the fair value of the policies. Accordingly, bank-owned life insurance is classified as Level 2. DEPOSIT LIABILITIES The fair value of demand deposits, savings and certain money market deposits is the amount payable on demand at the reporting date. The fair value of certificates of deposit is estimated by discounting the future cash flows using the rates currently offered for deposits of similar remaining maturities. Information about the rates paid by other institutions for deposits of similar terms is readily available, and rates are mainly influenced by the term of the deposit itself. As a result, fair value calculations are based on observable inputs, and are classified as Level 2. SHORT-TERM BORROWINGS The carrying amounts of federal funds purchased, overnight repurchase agreements, and other short-term borrowings maturing within 90 days approximate their fair values. Since the contractual terms of these borrowings provide all information necessary to calculate the amounts that will be due at maturity, these liabilities are classified as Level 2. LONG-TERM BORROWINGS The fair values of the Company's long-term borrowings are estimated based on the current cost to repay the debt in full, discounted to current values and including any prepayment penalties that may apply. As the contractual terms of the borrowing provide all the necessary inputs for this calculation, long-term borrowings are classified as Level 2. ACCRUED INTEREST The calculation of accrued interest is based on readily observable information, such as the rate and term of the underlying asset or liability. Since these amounts are expected to be realized quickly (generally within 30 to 90 days), the carrying value approximates fair value and is classified as Level 2. COMMITMENTS TO EXTEND CREDIT AND IRREVOCABLE LETTERS OF CREDIT The fair value of commitments is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present credit-worthiness of the counterparties. For fixed-rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates. The fair value of letters of credit is based on fees currently charged for similar agreements or on the estimated cost to terminate them or otherwise settle the obligations with the counterparties at the reporting date. At December 31, 2017 and December 31, 2016, the fair value of fees charged for loan commitments and irrevocable letters of credit was immaterial. The estimated fair values, and related carrying or notional amounts, of the Company's financial instruments as of the dates indicated are as follows: Fair Value Measurements at December 31, 2017 Using Description Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (in thousands) Assets Cash and cash equivalents $ 14,412 $ 14,412 $ - $ - Securities available-for-sale 157,121 - 157,121 - Restricted securities 3,846 - 3,846 - Loans held for sale 779 - 779 - Loans, net of allowances for loan losses 729,092 - - 722,464 Bank owned life insurance 25,981 - 25,981 - Accrued interest receivable 3,254 - 3,254 - Liabilities Deposits $ 783,594 $ - $ 782,539 $ - Federal funds purchased 10,000 - 10,000 - Overnight repurchase agreements 20,693 - 20,693 - Federal Home Loan Bank advances 67,500 - 67,329 - Accrued interest payable 360 - 360 - Fair Value Measurements at December 31, 2016 Using Description Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (in thousands) Assets Cash and cash equivalents $ 25,854 $ 25,854 $ - $ - Securities available-for-sale 199,365 - 199,365 - Restricted securities 970 - 970 - Loans, net of allowances for loan losses 595,637 - - 594,190 Bank owned life insurance 25,206 - 25,206 - Accrued interest receivable 3,189 - 3,189 - Liabilities Deposits $ 784,502 $ - $ 783,450 $ - Overnight repurchase agreements 18,704 - 18,704 - Accrued interest payable 228 - 228 -

Regulatory Matters

Regulatory Matters	12 Months Ended
	Dec. 31, 2017
Regulatory Matters [Abstract]
Regulatory Matters	NOTE 17, Regulatory Matters The Company (on a consolidated basis) and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can cause certain mandatory and possibly additional discretionary actions to be initiated by regulators that, if undertaken, could have a direct material effect on the Company's and the Bank's financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of their assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Prompt corrective action provisions are not applicable to bank holding companies. Quantitative measures established by regulation to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios (set forth in the following table) of total, Tier 1, and common equity tier 1 capital to risk-weighted assets and of Tier 1 capital to average assets. The terms Tier 1 and common equity tier 1 capital, risk-weighted assets and average assets, as used in this note, are as defined in the applicable regulations. Management believes, as of December 31, 2017 and 2016, that the Company and the Bank meet all capital adequacy requirements to which they are subject. In July 2013, the Federal Reserve issued final rules to include technical changes to its market risk capital rules to align them with the Basel III regulatory capital framework and meet certain requirements of the Dodd-Frank Act. Effective January 1, 2015, the final rules require the Bank to comply with the following minimum capital ratios: (i) a new common equity Tier 1 capital (CET1) ratio of 4.5% of risk-weighted assets; (ii) a Tier 1 capital ratio of 6.0% of risk-weighted assets (increased from the prior requirement); (iii) a total capital ratio of 8.0% of risk-weighted assets (unchanged from the prior requirement); and (iv) a leverage ratio of 4.0% of total assets (unchanged from the prior requirement). The Basel III Final Rules establish a capital conservation buffer of 2.5%, which is added to the 4.5% CET1 to risk-weighted assets to increase the ratio to at least 7%. The Basel III Final Rules also establish risk weighting that applied to many classes of assets held by community banks, importantly including applying higher risk weightings to certain commercial real estate loans. The Basel III Final Rules became effective January 1, 2015 and the Basel III Final Rules capital conservation buffer will be phased in from 2015 to 2019. When fully phased in, the Basel III Final Rules require banks to maintain (i) a minimum ratio of CET1 to risk-weighted assets of at least 4.5%, plus a 2.5% "capital conservation buffer" (which is added to the 4.5% CET1 ratio as that buffer is phased in, effectively resulting in a minimum ratio of CET1 to risk-weighted assets of at least 7%), (ii) a minimum ratio of Tier 1 captial to risk-weighted assets of at least 6.0%, plus the capital conservation buffer (which is added to the 6.0% Tier 1 capital ratio as that buffer is phased in, effectively resulting in a minimum Tier 1 capital ratio of 8.5% upon full implementation), (iii) a minimum ratio of total (that is, Tier 1 plus Tier 2) capital to risk-weighted assets of at least 8.0%, plus the capital conservation buffer (which is added to the 8.0% total capital ratio as that buffer is phased in, effectively resulting in a minimum total captial ratio of 10.5% upon full implementation) and (iv) a minimum leverage ratio of 4%, calculated as the ratio of Tier 1 capital to balance sheet exposures plus certain off-balance sheet exposures (computed as the average for each quarter of the month-end ratios for the quarter). As of December 31, 2017, the most recent notification from the Comptroller categorized the Bank as well-capitalized under the regulatory framework for prompt corrective action. To be categorized as well-capitalized, an institution must maintain minimum total risk-based, Tier 1 risk-based, common equity tier 1 risk-based and Tier 1 leverage ratios as set forth in the following tables. There are no conditions or events since the notification that management believes have changed the Bank's category. The Company's and the Bank's actual capital amounts and ratios as of December 31, 2017 and 2016 are also presented in the table. Capital Minimum Capital Requirement Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio (dollars in thousands) December 31, 2017: Total Capital to Risk Weighted Assets: Consolidated $ 106,029 12.28 % $ 69,055 8.00 % N/A N/A Old Point National Bank 97,194 11.30 % 68,803 8.00 % $ 86,004 10.00 % Tier 1 Capital to Risk Weighted Assets: Consolidated 96,474 11.18 % 51,791 6.00 % N/A N/A Old Point National Bank 87,639 10.19 % 51,602 6.00 % 68,803 8.00 % Common Equity Tier 1 Capital to Risk Weighted Assets: Consolidated 96,474 11.18 % 38,843 4.50 % N/A N/A Old Point National Bank 87,639 10.19 % 38,702 4.50 % 55,902 6.50 % Tier 1 Capital to Average Assets: Consolidated 96,474 9.98 % 38,686 4.00 % N/A N/A Old Point National Bank 87,639 9.09 % 38,575 4.00 % 48,218 5.00 % December 31, 2016: Total Capital to Risk Weighted Assets: Consolidated $ 106,443 14.51 % $ 58,678 8.00 % N/A N/A Old Point National Bank 98,237 13.47 % 58,350 8.00 % $ 72,938 10.00 % Tier 1 Capital to Risk Weighted Assets: Consolidated 98,198 13.39 % 44,009 6.00 % N/A N/A Old Point National Bank 89,992 12.34 % 43,763 6.00 % 58,350 8.00 % Common Equity Tier 1 Capital to Risk Weighted Assets: Consolidated 98,198 13.39 % 33,007 4.50 % N/A N/A Old Point National Bank 89,992 12.34 % 32,822 4.50 % 47,410 6.50 % Tier 1 Capital to Average Assets: Consolidated 98,198 10.68 % 36,768 4.00 % N/A N/A Old Point National Bank 89,992 9.85 % 36,549 4.00 % 45,686 5.00 % The approval of the Comptroller is required if the total of all dividends declared by a national bank in any calendar year exceeds the bank's net profits for that year combined with its retained net profits for the preceding two calendar years. Under this formula, the Bank and Trust can distribute as dividends to the Company in 2018, without approval of the Comptroller, $388 thousand (Trust only) plus an additional amount equal to the Bank's and Trust's retained net profits for 2018 up to the date of any dividend declaration.

Segment Reporting

Segment Reporting	12 Months Ended
	Dec. 31, 2017
Segment Reporting [Abstract]
Segment Reporting	NOTE 18, Segment Reporting The Company operates in a decentralized fashion in three principal business segments: the Bank, the Trust, and the Parent. Revenues from the Bank's operations consist primarily of interest earned on loans and investment securities and service charges on deposit accounts. Trust's operating revenues consist principally of income from fiduciary and asset management fees. The Parent company's revenues are mainly interest and dividends received from the Bank and Trust companies. The Company has no other segments. The Company's reportable segments are strategic business units that offer different products and services. They are managed separately because each segment appeals to different markets and, accordingly, requires different technologies and marketing strategies. Information about reportable segments, and reconciliation of such information to the Consolidated Financial Statements as of and for the years ended December 31 follows: 2017 Bank Trust Unconsolidated Parent Eliminations Consolidated (in thousands) Revenues Interest and dividend income $ 32,861 $ 71 $ 667 $ (665 ) $ 32,934 Fiduciary and asset management fees - 3,786 - - 3,786 Other income 9,389 944 200 (261 ) 10,272 Total operating income 42,250 4,801 867 (926 ) 46,992 Expenses Interest expense 3,010 - - 2 3,012 Provision for loan losses 4,160 - - - 4,160 Salaries and employee benefits 20,968 2,800 445 - 24,213 Other expenses 14,109 1,075 811 (262 ) 15,733 Total operating expenses 42,247 3,875 1,256 (260 ) 47,118 Income (loss) before taxes 3 926 (389 ) (666 ) (126 ) Income tax expense (benefit) (65 ) 328 (360 ) - (97 ) Net income (loss) $ 68 $ 598 $ (29 ) $ (666 ) $ (29 ) Capital expenditures $ 613 $ 6 $ - $ - $ 619 Total assets $ 975,991 $ 6,126 $ 96,406 $ (96,697 ) $ 981,826 2016 Bank Trust Unconsolidated Parent Eliminations Consolidated (in thousands) Revenues Interest and dividend income $ 29,765 $ 61 $ 4,590 $ (4,590 ) $ 29,826 Fiduciary and asset management fees - 3,560 - - 3,560 Other income 9,058 910 200 (262 ) 9,906 Total operating income 38,823 4,531 4,790 (4,852 ) 43,292 Expenses Interest expense 2,574 - - - 2,574 Provision for loan losses 1,930 - - - 1,930 Salaries and employee benefits 16,801 2,671 406 - 19,878 Other expenses 13,179 1,041 995 (262 ) 14,953 Total operating expenses 34,484 3,712 1,401 (262 ) 39,335 Income (loss) before taxes 4,339 819 3,389 (4,590 ) 3,957 Income tax expense (benefit) 288 280 (408 ) - 160 Net income (loss) $ 4,051 $ 539 $ 3,797 $ (4,590 ) $ 3,797 Capital expenditures $ 887 $ 4 $ - $ - $ 891 Total assets $ 897,966 $ 5,761 $ 93,998 $ (94,759 ) $ 902,966 2015 Bank Trust Unconsolidated Parent Eliminations Consolidated (in thousands) Revenues Interest and dividend income $ 30,242 $ 54 $ 4,009 $ (4,010 ) $ 30,295 Fiduciary and asset management fees - 3,617 - - 3,617 Other income 8,548 1,032 200 (261 ) 9,519 Total operating income 38,790 4,703 4,209 (4,271 ) 43,431 Expenses Interest expense 3,633 - - (1 ) 3,632 Provision for loan losses 1,025 - - - 1,025 Salaries and employee benefits 17,630 2,685 432 - 20,747 Other expenses 13,254 1,010 336 (261 ) 14,339 Total operating expenses 35,542 3,695 768 (262 ) 39,743 Income (loss) before taxes 3,248 1,008 3,441 (4,009 ) 3,688 Income tax expense (benefit) (96 ) 343 (193 ) - 54 Net income (loss) $ 3,344 $ 665 $ 3,634 $ (4,009 ) $ 3,634 Capital expenditures $ 1,682 $ 74 $ - $ - $ 1,756 Total assets $ 891,877 $ 5,694 $ 93,191 $ (93,975 ) $ 896,787 The accounting policies of the segments are the same as those described in the summary of significant accounting policies. The Company evaluates performance based on profit or loss from operations before income taxes not including nonrecurring gains or losses. Both the Parent and the Trust companies maintain deposit accounts with the Bank, on terms substantially similar to those available to other customers. These transactions are eliminated to reach consolidated totals. The Company operates in one geographical area and does not have a single external customer from which it derives 10 percent or more of its revenues.

Condensed Financial Statements

Condensed Financial Statements of Parent Company	12 Months Ended
	Dec. 31, 2017
Condensed Financial Statements of Parent Company [Abstract]
Condensed Financial Statements of Parent Company	NOTE 19, Condensed Financial Statements of Parent Company Financial information pertaining to Old Point Financial Corporation (parent company only) is as follows: December 31, Balance Sheets 2017 2016 (in thousands) Assets Cash and cash equivalents $ 2,622 $ 2,366 Securities available-for-sale 197 164 Investment in common stock of subsidiaries 93,533 91,437 Other assets 54 31 Total assets $ 96,406 $ 93,998 Liabilities and Stockholders' Equity Note payable - subsidiary $ 18 $ 8 Common stock 25,087 24,806 Additional paid-in capital 17,270 16,427 Retained earnings 54,738 56,965 Accumulated other comprehensive loss (707 ) (4,208 ) Total liabilities and stockholders' equity $ 96,406 $ 93,998 Years Ended December 31, Statements of Income 2017 2016 2015 (in thousands) Income: Dividends from subsidiaries $ 2,050 $ 2,900 $ 2,900 Other income 200 200 200 Total income 2,250 3,100 3,100 Expenses: Salaries and benefits 445 406 432 Legal expenses 285 774 180 Service fees 210 166 137 Other operating expenses 316 55 19 Total expenses 1,256 1,401 768 Income before income taxes and equity in undistributed net income (loss) of subsidiaries 994 1,699 2,332 Income tax benefit (360 ) (408 ) (193 ) 1,354 2,107 2,525 Equity in undistributed net income (loss) of subsidiaries (1,383 ) 1,690 1,109 Net income (loss) $ (29 ) $ 3,797 $ 3,634 Years Ended December 31, Statements of Cash Flows 2017 2016 2015 (in thousands) Cash flows from operating activities: Net income (loss) $ (29 ) $ 3,797 $ 3,634 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed net income (loss) of subsidiaries 1,383 (1,690 ) (1,109 ) Stock compensation expense 17 - - (Increase) decrease in other assets (34 ) 5 (5 ) Increase (decrease) in other liabilities 10 (7 ) 15 Net cash provided by operating activities 1,347 2,105 2,535 Cash flows from investing activities: - - - Cash flows from financing activities: Proceeds from sale of stock 1,107 46 - Cash dividends paid on common stock (2,198 ) (1,983 ) (1,686 ) Net cash used in financing activities (1,091 ) (1,937 ) (1,686 ) Net increase in cash and cash equivalents 256 168 849 Cash and cash equivalents at beginning of year 2,366 2,198 1,349 Cash and cash equivalents at end of year $ 2,622 $ 2,366 $ 2,198 Supplemental schedule of noncash transactions: Unrealized gain (loss) on securities available-for-sale $ 33 $ 64 (1 )

Significant Accounting Polici28

Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2017
Significant Accounting Policies [Abstract]
PRINCIPLES OF CONSOLIDATION	PRINCIPLES OF CONSOLIDATION The consolidated financial statements include the accounts of Old Point Financial Corporation (the Company) and its wholly-owned subsidiaries, The Old Point National Bank of Phoebus (the Bank) and Old Point Trust & Financial Services N.A. (Trust). All significant intercompany balances and transactions have been eliminated in consolidation.
USE OF ESTIMATES	USE OF ESTIMATES In preparing Consolidated Financial Statements in conformity with U.S. GAAP, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the consolidated balance sheet and reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, other-than-temporary impairment of securities, and the valuation allowance on other real estate owned.
VARIABLE INTEREST ENTITIES	VARIABLE INTEREST ENTITIES Current accounting guidance states that if a business enterprise is the primary beneficiary of a variable interest entity, the assets, liabilities, and results of the activities of the variable interest entity should be included in the consolidated financial statements of the business enterprise. This interpretation explains how to identify variable interest entities and how an enterprise assesses its interest in a variable interest entity to decide whether to consolidate the entity. It also requires existing unconsolidated variable interest entities to be consolidated by their primary beneficiaries if the entities do not effectively disperse risks among parties involved. Variable interest entities that effectively disperse risks will not be consolidated unless a single party holds an interest or combination of interests that effectively recombines risks that were previously dispersed. At this time, the Company has no VIEs that are consolidated.
ACQUISITIONS	ACQUISITIONS The Bank had a joint venture agreement with Tidewater Mortgage Services, Inc. (TMSI) to provide mortgage origination services through Old Point Mortgage, LLC (OPM), a joint venture between the Bank and TMSI. Per the terms of the joint venture agreement, TMSI and the Bank owned 51% and 49%, respectively, of OPM, and TMSI was the managing member. On April 20, 2017, the Bank completed its purchase of TMSI's interest in OPM, which terminated the joint venture agreement between TMSI and the Bank and made OPM a wholly-owned subsidiary of the Bank as of that date. OPM's fair value was based on an independent valuation performed as of March 31, 2017. Since OPNB had a 49% interest in OPM prior to acquisition of the remaining interest and obtains a controlling interest with the buy-out, this will transaction was accounted for as a business combination achieved in stages or a step acquisition. OPNB has through the aforementioned valuation estimated the fair value of its previously held equity interest in the target resulting in a gain for the excess of the acquisition-date fair value of its previously held equity interest in the target over its carrying value of $550 thousand which is included as a gain on acquisition of Old Point Mortgage in the Consolidated Statements of Income. The table below summarizes the transaction and goodwill recognition (000's): Consideration transferred $ 1,534 Acquisition-date fair value of previously-held equity interest 2,002 Total 3,536 Net assets acquired 2,915 Goodwill $ 621
SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK	SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK Most of the Company's activities are with customers located within the Hampton Roads region. The types of securities that the Company invests in are included in Note 3. The types of lending that the Company engages in are included in Note 4. The Company has significant concentrations in the following industries: construction, lessors of real estate, activities related to real estate, ambulatory health care and religious organizations. The Company does not have any significant concentrations to any one customer. At December 31, 2017 and 2016, there were $317.2 million and $308.5 million, or 42.95% and 51.09%, respectively, of total loans concentrated in commercial real estate. Commercial real estate for purposes of this note includes all construction loans, loans secured by multifamily residential properties, loans secured by farmland and loans secured by nonfarm, nonresidential properties.
CASH AND CASH EQUIVALENTS	CASH AND CASH EQUIVALENTS For purposes of the consolidated statements of cash flows, cash and cash equivalents includes cash and balances due from banks and federal funds sold, all of which mature within 90 days.
INTEREST-BEARING DEPOSITS IN BANKS	INTEREST-BEARING DEPOSITS IN BANKS Interest-bearing deposits in banks mature within one year and are carried at cost.
SECURITIES	SECURITIES Certain debt securities that management has the positive intent and ability to hold until maturity are classified as "held-to-maturity" and recorded at amortized cost. Securities not classified as held-to-maturity, including equity securities with readily determinable fair values, are classified as "available-for-sale" and recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income. Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method. The Company evaluates securities for other-than-temporary impairment at least on a quarterly basis, and more frequently when economic or market concerns warrant such evaluation. The Company employs a systematic methodology that considers available evidence in evaluating potential impairment of its investments. In the event that the cost of an investment exceeds its fair value, the Company evaluates, among other factors, the magnitude and duration of the decline in fair value; the expected cash flows of the securities; the financial health of and business outlook for the issuer; the performance of the underlying assets for interests in securitized assets; and the Company's intent and ability to hold the investment. Once a decline in fair value is determined to be other-than-temporary, an impairment charge is recorded in investment income and a new cost basis in the investment is established.
RESTRICTED STOCK, AT COST	RESTRICTED STOCK, AT COST The Company, as a member of the Federal Reserve Bank (FRB) and the Federal Home Loan Bank of Atlanta (FHLB), is required to maintain an investment in the capital stock of both the FRB and the FHLB. Based on the redemption provisions of these investments, the stocks have no quoted market value, are carried at cost and are listed as a restricted securities. The Company reviews its holdings for impairment based on the ultimate recoverability of the cost basis in the FRB and FHLB stock.
LOANS HELD FOR SALE	LOANS HELD FOR SALE The Company records loans held for sale using the lower of cost or market value. In addition, the Company requires a firm purchase commitment from a permanent investor before a loan can be closed, thus limiting interest rate risk. Net unrealized losses, if any, are recognized through a valuation allowance by charges to income. The change in fair value of loans held for sale is recorded as a component of "Mortgage banking income, net" within the Company's Consolidated Statements of Operations.
LOANS	LOANS The Company extends loans to individual consumers and commercial customers for various purposes. Most of the Company's loans are secured by real estate, including real estate construction loans and real estate mortgage loans (i.e., residential 1-4 family mortgages, commercial real estate loans, second mortgages and equity lines of credit). Other loans are secured by collateral that is not real estate, which may include inventory, accounts receivable, equipment or other personal property. A substantial portion of the loan portfolio is represented by real estate mortgage loans throughout Hampton Roads. The ability of the Company's debtors to honor their contracts is dependent in part upon the real estate and general economic conditions in this area. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off generally are reported at their outstanding unpaid principal balances adjusted for unearned income, the allowance for loan losses and any unamortized deferred fees or costs on originated loans. For loans amortized at cost, interest income is accrued based on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, as well as premiums and discounts, are deferred and amortized as a level yield adjustment over the respective term of the loan.
NONACCRUALS, PAST DUES AND CHARGE-OFFS	NONACCRUALS, PAST DUES AND CHARGE-OFFS The accrual of interest on commercial loans (including construction loans and commercial loans secured and not secured by real estate) is generally discontinued at the time the loan is 90 days past due unless the credit is well-secured and in the process of collection. Consumer loans not secured by real estate and consumer real estate secured loans (i.e., residential 1-4 family mortgages, second mortgages and equity lines of credit) are generally placed on nonaccrual status when payments are 120 days past due. Past due status is based on the contractual terms of the loan, and loans are considered past due when a payment of principal and/or interest is due but not paid. Regular payments not received within the payment cycle are considered to be 30, 60, or 90 or more days past due accordingly. In all cases, loans are placed on nonaccrual status or charged off at an earlier date if collection of principal or interest is considered doubtful. All interest accrued but not collected for loans that are placed on nonaccrual status or charged off is reversed against interest income. The interest on these loans is accounted for on the cash basis or cost recovery method, until qualifying for return to accrual status or charged off. Loans are generally returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured, or when the borrower has resumed paying the full amount of the scheduled contractual interest and principal payments for at least six months. Loans are generally fully charged off or partially charged down to the fair value of collateral securing the asset when: · Management determines the asset to be uncollectible; · Repayment is deemed to be protracted beyond reasonable time frames; · The asset has been classified as a loss by either the internal loan review process or external examiners; · The borrower has filed for bankruptcy protection and the loss becomes evident due to a lack of borrower assets; or The loan is 120 days or more past due unless the loan is both well secured and in the process of collection.
ALLOWANCE FOR LOAN LOSSES	ALLOWANCE FOR LOAN LOSSES The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management's periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower's ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. The allowance consists of allocated and general components. The allocated component relates to loans that are classified as impaired, such as a loan that is considered a TDR (discussed in detail below). These loans are excluded from pooled loss forecasts and a separate reserve is provided under the accounting guidance for loan impairment. All loans, including consumer loans, whose terms have been modified in a TDR are also individually analyzed for estimated impairment. Impairment is measured on a loan-by-loan basis for construction loans and commercial loans (i.e., commercial mortgage loans on real estate and commercial loans not secured by real estate) 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. For those loans that are classified as impaired, an allowance is established when the discounted value of expected future cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. 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. 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. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. The general component covers loans that are not classified as impaired. Loans collectively evaluated for impairment are pooled, with a historical loss rate, based on migration analysis, applied to each pool, segmented by risk grade or days past due, depending on the type of loan. Based on credit risk assessments and management's analysis of qualitative factors, additional loss factors are applied to loan balances. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer and consumer loans secured by real estate (i.e., residential 1-4 family mortgages, second mortgages and equity lines of credit) for impairment disclosures, unless the terms of such loans have been modified in a TDR due to financial difficulties of the borrower. Each portfolio segment has risk characteristics as follows: · Commercial: Commercial loans carry risks associated with the successful operation of a business or project, in addition to other risks associated with the ownership of a business. The repayment of these loans may be dependent upon the profitability and cash flows of the business. In addition, there is risk associated with the value of collateral other than real estate which may depreciate over time and cannot be appraised with as much precision. · Real estate-construction: Construction loans carry risks that the project will not be finished according to schedule, the project will not be finished according to budget and the value of the collateral may at any point in time be less than the principal amount of the loan. Construction loans also bear the risk that the general contractor, who may or may not be the loan customer, may be unable to finish the construction project as planned because of financial pressure unrelated to the project. · Real estate-mortgage: Residential mortgage loans and equity lines of credit carry risks associated with the continued credit-worthiness of the borrower and changes in the value of the collateral. Commercial real estate loans carry risks associated with the successful operation of a business if owner occupied. If non-owner occupied, the repayment of these loans may be dependent upon the profitability and cash flow from rent receipts. · Consumer loans: Consumer loans carry risks associated with the continued credit-worthiness of the borrowers and the value of the collateral. Consumer loans are more likely than real estate loans to be immediately adversely affected by job loss, divorce, illness or personal bankruptcy. · Other loans: Other loans are loans to mortgage companies, loans for purchasing or carrying securities, and loans to insurance, investment and finance companies. These loans carry risks associated with the successful operation of a business. In addition, there is risk associated with the value of collateral other than real estate which may depreciate over time, depend on interest rates or fluctuate in active trading markets. Each segment of the portfolio is pooled by risk grade or by days past due. Loans not secured by real estate and made to individuals for household, family and other personal expenditures are segmented into pools based on days past due, while all other loans, including loans to consumers that are secured by real estate, are segmented by risk grades. A historical loss percentage is then calculated by migration analysis and applied to each pool. The migration analysis applied to all pools is able to track the risk grading and historical performance of individual loans throughout a number of periods set by management, which provides management with information regarding trends (or migrations) in a particular loan segment. At December 31, 2017 management used four twelve-quarter migration periods, and at December 31, 2016, m anagement used one twelve-quarter migration period.
TROUBLED DEBT RESTRUCTURINGS	TROUBLED DEBT RESTRUCTURINGS In situations where, for economic or legal reasons related to a borrower's financial difficulties, management grants a concession for other than an insignificant period of time to the borrower that would not otherwise be considered, the related loan is classified as a TDR. Management strives to identify borrowers in financial difficulty before their loans reach nonaccrual status and works with them to grant appropriate concessions, if necessary, and modify their loans to more affordable terms. These modified terms could include reduction in the interest rate below current market rates for borrowers with similar risk profiles, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection. In cases where borrowers are granted new terms that provide for a reduction of either interest or principal, management measures any impairment on the restructuring as noted above for impaired loans.
TRANSFERS OF FINANCIAL ASSETS	TRANSFERS OF FINANCIAL ASSETS Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company (i.e., put presumptively beyond the reach of the transferor and its creditors, even in bankruptcy or other receivership); (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity or the ability to unilaterally cause the holder to return specific assets.
OTHER REAL ESTATE OWNED (OREO)	OTHER REAL ESTATE OWNED (OREO) Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at fair value less cost to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less cost to sell. Revenue and expenses from operations and changes in the valuation allowance (direct write-downs) are included in loss (gain) on other real estate owned.
BANK-OWNED LIFE INSURANCE	BANK-OWNED LIFE INSURANCE The Company owns insurance on the lives of a certain group of key employees. The cash surrender value of these policies is included as an asset on the consolidated balance sheets, and the increase in cash surrender value is recorded as noninterest income on the consolidated statements of operations. In the event of the death of an insured individual under these policies, the Company would receive a death benefit payment. Any excess in the amount received over the recorded cash surrender value would be recorded as other operating income on the consolidated statements of operations.
PREMISES AND EQUIPMENT	PREMISES AND EQUIPMENT Land is carried at cost. Buildings and equipment are stated at cost, less accumulated depreciation and amortization computed on the straight-line method over the estimated useful lives of the assets. Buildings and equipment are depreciated over their estimated useful lives ranging from 3 to 39 years; leasehold improvements are amortized over the lives of the respective leases or the estimated useful life of the leasehold improvement, whichever is less. Software is amortized over its estimated useful life ranging from 3 to 5 years.
OFF-BALANCE SHEET CREDIT RELATED FINANCIAL INSTRUMENTS	OFF-BALANCE SHEET CREDIT RELATED FINANCIAL INSTRUMENTS In the ordinary course of business, the Company has entered into commitments to extend credit, including commitments under commercial letters of credit and lines of credit. Such financial instruments are recorded when they are funded.
PENSION PLAN	PENSION PLAN The Company has a non-contributory defined benefit pension plan, which was frozen by the Company in 2006 and terminated in 2017. This plan was terminated in the fourth quarter of 2017. Details regarding the impact of this can be found in Note 14.
STOCK COMPENSATION PLANS	STOCK COMPENSATION PLANS Stock compensation accounting guidance (FASB ASC 718, "Compensation -- Stock Compensation") requires that the compensation cost related to share-based payment transactions be recognized in financial statements. That cost will be measured based on the grant date fair value of the equity or liability instruments issued. The stock compensation accounting guidance covers a wide range of share-based compensation arrangements including stock options, restricted share plans, performance-based awards, share appreciation rights and employee share purchase plans. The stock compensation accounting guidance requires that compensation cost for all stock awards be calculated and recognized over the employees' service period, generally defined as the vesting period. For awards with graded-vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award. A Black Scholes model is used to estimate the fair value of the stock options, while the market price of the Company's common stock at the date of grant is used for restricted stock awards.
INCOME TAXES	INCOME TAXES The Company accounts for income taxes in accordance with income tax accounting guidance (FASB ASC 740, "Income Taxes"). The Company adopted the accounting guidance related to accounting for uncertainty in income taxes, which sets out a consistent framework to determine the appropriate level of tax reserves to maintain for uncertain tax positions. Income tax accounting guidance results in two components of income tax expense: current and deferred. Current income tax expense reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to the taxable income or excess of deductions over revenues. The Company determines deferred income taxes using the liability or balance sheet method. Under this method, the net deferred tax asset or liability is based on the tax effects of the difference between the book and tax basis of assets and liabilities, and enacted changes in tax rates and laws are recognized in the period in which they occur. Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are recognized if it is more-likely-than-not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more-likely-than-not means a likelihood of more than 50 percent; the terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances, and information available at the reporting date and is subject to management's judgment. Deferred tax assets are reduced by a valuation allowance if, based on the weight of evidence available, it is more-likely-than-not that some portion or all of a deferred tax asset will not be realized. The Company recognizes interest and penalties on income taxes as a component of income tax expense. No uncertain tax positions were recorded in 2017 or 2016. The results for the year ended December 31, 2017 include the effect of the Tax Cuts and Jobs Act (the Tax Act), which was signed into law on December 22, 2017. Among other things, the Tax Act permanently lowers the federal corporate income tax rate to 21% from the maximum rate prior to the passage of the Tax Act of 35%, effective January 1, 2018. As a result of the federal corporate income tax rate, U.S. GAAP requires companies to re-measure their deferred tax assets and deferred tax liabilities, including those accounted for in accumulated other comprehensive income (loss), as of the date of the Tax Act's enactment and record the corresponding effects in income tax expense in the fourth quarter of 2017. As a result of the permanent reduction in the corporate income tax rate, the Company recognized a $1.2 million reduction in the value of its net deferred tax asset and recorded a corresponding incremental income tax expense in the Company's consolidated statement of income for 2017. The Company's evaluation of the effect of the Tax Act is considered a preliminary estimate and is subject to refinement in 2018. No material adjustment is anticipated.
EARNINGS PER COMMON SHARE	EARNINGS PER COMMON SHARE Basic earnings per share represents income available to common stockholders divided by the weighted-average number of common shares outstanding during the period. Diluted earnings per share reflects additional potential common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares that may be issued by the Company relate to outstanding stock options and shares to be issued as part of the employee stock purchase plan and are determined using the treasury stock method.
TRUST ASSETS AND INCOME	TRUST ASSETS AND INCOME Securities and other property held by Trust in a fiduciary or agency capacity are not assets of the Company and are not included in the accompanying Consolidated Financial Statements.
ADVERTISING EXPENSES	ADVERTISING EXPENSES Advertising expenses are expensed as incurred. Advertising expense for the years ended 2017, 2016 and 2015 was $249 thousand, $273 thousand, and $217 thousand, respectively.
COMPREHENSIVE INCOME	COMPREHENSIVE INCOME Comprehensive income consists of net income and other comprehensive income, net of tax. Other comprehensive income (loss), net of tax includes unrealized gains and losses on securities available-for-sale, unrealized losses on securities transferred from available-for-sale to held-to-maturity, and unrealized losses related to changes in the funded status of the pension plan which are also recognized as separate components of equity.
FAIR VALUE OF FINANCIAL INSTRUMENTS	FAIR VALUE OF FINANCIAL INSTRUMENTS Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in Note 16. Fair value estimates involve uncertainties and matters of significant judgment. Changes in assumptions or in market conditions could significantly affect the estimates.
RECENT ACCOUNTING PRONOUNCEMENTS	RECENT ACCOUNTING PRONOUNCEMENTS In May 2014, the FASB issued ASU No. 2014-09, "Revenue from Contracts with Customers: Topic 606." This ASU revised guidance for the recognition, measurement, and disclosure of revenue from contracts with customers. The original guidance has been amended through subsequent accounting standard updates that resulted in technical corrections, improvements, and a one-year deferral of the effective date to January 1, 2018. The guidance, as amended, is applicable to all entities and, once effective, will replace significant portions of existing industry and transaction-specific revenue recognition rules with a more principles-based recognition model. Most revenue associated with financial instruments, including interest income, loan origination fees, and credit card fees, is outside the scope of the guidance. Gains and losses on investment securities, derivatives, and sales of financial instruments are similarly excluded from the scope. Entities can elect to adopt the guidance either on a full or modified retrospective basis. Full retrospective adoption will require a cumulative effect adjustment to retained earnings as of the beginning of the earliest comparative period presented. Modified retrospective adoption will require a cumulative effect adjustment to retained earnings as of the beginning of the reporting period in which the entity first applies the new guidance. The Company plans to adopt this guidance on the effective date, January 1, 2018 via the modified retrospective approach. The Company has completed its assessment of the adoption of this ASU, noting the standard will result in expanded disclosures related to non-interest income and enhance the qualitative disclosures on the revenues within the scope of the new guidance. The Company has concluded the adoption of ASU 2014-09 will not have a material impact on its consolidated financial statements. In January 2016, the FASB issued ASU No. 2016-01, "Financial Instruments - Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities." This ASU requires an entity to, among other things: (i) measure equity investments at fair value through net income, with certain exceptions; (ii) present in OCI the changes in instrument-specific credit risk for financial liabilities measured using the fair value option; (iii) present financial assets and financial liabilities by measurement category and form of financial asset; (iv) calculate the fair value of financial instruments for disclosure purposes based on an exit price and; (v) assess a valuation allowance on deferred tax assets related to unrealized losses of AFS debt securities in combination with other deferred tax assets. The ASU provides an election to subsequently measure certain nonmarketable equity investments at cost less any impairment and adjusted for certain observable price changes. The ASU also requires a qualitative impairment assessment of such equity investments and amends certain fair value disclosure requirements. This ASU is effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2017. Early adoption is only permitted for the provision related to instrument-specific credit risk. The Company has completed its assessment of ASU No. 2016-01 and upon adoption there will be enhancements to the current financial instrument disclosures. During February 2016, the FASB issued ASU No. 2016-02, "Leases (Topic 842)." Among other things, in the amendments in ASU 2016-02, lessees will be required to recognize the following for all leases (with the exception of short-term leases) at the commencement date: (1) A lease liability, which is a lessee's obligation to make lease payments arising from a lease, measured on a discounted basis; and (2) A right-of-use asset, which is an asset that represents the lessee's right to use, or control the use of, a specified asset for the lease term. Under the new guidance, lessor accounting is largely unchanged. Certain targeted improvements were made to align, where necessary, lessor accounting with the lessee accounting model and Topic 606, Revenue from Contracts with Customers. The amendments in this ASU are effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. Early application is permitted upon issuance. Lessees (for capital and operating leases) and lessors (for sales-type, direct financing, and operating leases) must apply a modified retrospective transition approach for leases existing at, or entered into after, the beginning of the earliest comparative period presented in the financial statements. The modified retrospective approach would not require any transition accounting for leases that expired before the earliest comparative period presented. Lessees and lessors may not apply a full retrospective transition approach. The Company is currently assessing the impact that ASU 2016-02 will have on its consolidated financial statements. As the Company owns the majority of its buildings, management does not anticipate that the ASU will have a material impact. During June 2016, the FASB issued ASU No. 2016-13, "Financial Instruments—Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments." The amendments in this ASU, among other things, require the measurement of all expected credit losses for financial assets held at the reporting date based on historical experience, current conditions, and reasonable and supportable forecasts. Financial institutions and other organizations will now use forward-looking information to better inform their credit loss estimates. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those techniques will change to reflect the full amount of expected credit losses. In addition, the ASU amends the accounting for credit losses on available-for-sale debt securities and purchased financial assets with credit deterioration. The amendments in this ASU are effective for Securities and Exchange Commission (SEC) filers for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019. The Company is currently assessing the impact that ASU 2016-13 will have on its consolidated financial statements and has formed a committee to oversee the adoption of the new standard. The ALLL model currently in use by the Company already provides it with the ability to archive prior period information and contains loan balance and charge-off information beginning with September 30, 2011. The committee has reviewed the data included in each monthly archive file and has added fields to enhance its data analysis capabilities under the new standard. During August 2016, the FASB issued ASU No. 2016-15, "Statement of Cash Flows During January 2017, the FASB issued ASU No. 2017-01, "Business Combinations (Topic 805): Clarifying the Definition of a Business." The amendments in this ASU clarify the definition of a business with the objective of adding guidance to assist entities with evaluating whether transactions should be accounted for as acquisitions (or disposals) of assets or businesses. Under the current implementation guidance in Topic 805, there are three elements of a business—inputs, processes, and outputs. While an integrated set of assets and activities (collectively referred to as a "set") that is a business usually has outputs, outputs are not required to be present. In addition, all the inputs and processes that a seller uses in operating a set are not required if market participants can acquire the set and continue to produce outputs. The amendments in this ASU provide a screen to determine when a set is not a business. If the screen is not met, the amendments (1) require that to be considered a business, a set must include, at a minimum, an input and a substantive process that together significantly contribute to the ability to create output and (2) remove the evaluation of whether a market participant could replace missing elements. The ASU provides a framework to assist entities in evaluating whether both an input and a substantive process are present. The amendments in this ASU are effective for annual periods beginning after December 15, 2017, including interim periods within those annual periods. The amendments in this ASU should be applied prospectively on or after the effective date. No disclosures are required at transition. The Company does not expect the adoption of ASU 2017-01 to have a material impact on its consolidated financial statements. The Company's pending merger with Citizens National Bank will be accounted for under the acquisition accounting guidance. During January 2017, the FASB issued ASU No. 2017-04, "Intangibles—Goodwill and Other (Topic 350): Simplifying the Test for Goodwill Impairment." The amendments in this ASU simplify how an entity is required to test goodwill for impairment by eliminating Step 2 from the goodwill impairment test. Step 2 measures a goodwill impairment loss by comparing the implied fair value of a reporting unit's goodwill with the carrying amount of that goodwill. Instead, under the amendments in this ASU, an entity should perform its annual, or interim, goodwill impairment test by comparing the fair value of a reporting unit with its carrying amount. An entity still has the option to perform the qualitative assessment for a reporting unit to determine if the quantitative impairment test is necessary. Public business entities that are SEC filers should adopt the amendments in this ASU for annual or interim goodwill impairment tests in fiscal years beginning after December 15, 2019. Early adoption is permitted for interim or annual goodwill impairment tests performed on testing dates after January 1, 2017. The Company does not expect the adoption of ASU 2017-04 to have a material impact on its consolidated financial statements. During March 2017, the FASB issued ASU No. 2017-07, "Compensation—Retirement Benefits (Topic 715): Improving the Presentation of Net Periodic Pension Cost and Net Periodic Postretirement Benefit Cost." The amendments in this ASU require an employer that offers defined benefit pension plans, other postretirement benefit plans, or other types of benefits accounted for under Topic 715 to report the service cost component of net periodic benefit cost in the same line item(s) as other compensation costs arising from services rendered during the period. The other components of net periodic benefit cost are required to be presented in the income statement separately from the service cost component. If the other components of net periodic benefit cost are not presented on a separate line or lines, the line item(s) used in the income statement must be disclosed. In addition, only the service cost component will be eligible for capitalization as part of an asset, when applicable. The amendments are effective for annual periods beginning after December 15, 2017, including interim periods within those annual periods. Early adoption is permitted. The Company has concluded the adoption of ASU 2017-07 will not have a material During March 2017, the FASB issued ASU No. 2017-08, "Receivables - Nonrefundable Fees and Other Costs (Subtopic 310-20), Premium Amortization on Purchased Callable Debt Securities." The amendments in this ASU shorten the amortization period for certain callable debt securities purchased at a premium. Upon adoption of the standard, premiums on these qualifying callable debt securities will be amortized to the earliest call date. Discounts on purchased debt securities will continue to be accreted to maturity. The amendments are effective for fiscal years beginning after December 15, 2018, and interim periods within those fiscal years. Early adoption is permitted, including adoption in an interim period. Upon transition, entities should apply the guidance on a modified retrospective basis, with a cumulative-effect adjustment to retained earnings as of the beginning of the period of adoption and provide the disclosures required for a change in accounting principle. The Company is currently assessing the impact that ASU 2017 ‐ During May 2017, the FASB issued ASU 2017 ‐ The Company has concluded that ASU 2017 ‐ 08 will not have a material impact on its consolidated financial statements. During August 2017, the FASB issued ASU 2017-12, "Derivatives and Hedging (Topic 815): Targeted Improvements to Accounting for Hedging Activities." The amendments in this ASU modify the designation and measurement guidance for hedge accounting as well as provide for increased transparency regarding the presentation of economic results on both the financial statements and related footnotes. Certain aspects of hedge effectiveness assessments will also be simplified upon implementation of this update. The amendments are effective for annual periods, including interim periods within those annual periods, beginning after December 15, 2018. Early adoption is permitted, including adoption in any interim period. The Company has concluded that the adoption of ASU 2017-12 will not have a material impact on its consolidated financial statements. During February 2018, the FASB issued ASU 2018-02, "Income Statement – Reporting Comprehensive Income (Topic 220): Reclassification of Certain Tax Effects from Accumulated Other Comprehensive Income." The amendments provide financial statement preparers with an option to reclassify stranded tax effects within accumulated other comprehensive income to retained earnings in each period in which the effect of the change in the U.S. federal corporate income tax rate in the Tax Cuts and Jobs Act (or portion thereof) is recorded. The amendments are effective for all organizations for fiscal years beginning after December 15, 2018, and interim periods within those fiscal years. Early adoption is permitted. Organizations should apply the proposed amendments either in the period of adoption or retrospectively to each period (or periods) in which the effect of the change in the U.S. federal corporate income tax rate in the Tax Cuts and Jobs Act is recognized. The Company has elected to reclassify the stranded income tax effects from the Tax Cuts and Jobs Act in the consolidated financial statements for the period ending December 31, 2018.

Significant Accounting Polici29

Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2017
Significant Accounting Policies [Abstract]
Schedule of Goodwill Recognition	The table below summarizes the transaction and goodwill recognition (000's): Consideration transferred $ 1,534 Acquisition-date fair value of previously-held equity interest 2,002 Total 3,536 Net assets acquired 2,915 Goodwill $ 621

Securities Portfolio (Tables)

Securities Portfolio (Tables)	12 Months Ended
	Dec. 31, 2017
Securities Portfolio [Abstract]
Amortized Cost and Fair Value, with Gross Unrealized Gains and Losses of Securities Available-for-Sale	The amortized cost and fair value, with gross unrealized gains and losses, of securities available-for-sale were: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (in thousands) December 31, 2017 Obligations of U.S. Government agencies $ 9,530 $ 27 $ (122 ) $ 9,435 Obligations of state and political subdivisions 64,413 489 (137 ) 64,765 Mortgage-backed securities 75,906 - (1,610 ) 74,296 Money market investments 1,194 - - 1,194 Corporate bonds and other securities 7,049 195 (10 ) 7,234 Other marketable equity securities 100 97 - 197 Total $ 158,192 $ 808 $ (1,879 ) $ 157,121 December 31, 2016 U.S. Treasury securities $ 20,000 $ - $ - $ 20,000 Obligations of U.S. Government agencies 9,361 - (166 ) 9,195 Obligations of state and political subdivisions 78,645 358 (1,016 ) 77,987 Mortgage-backed securities 85,649 18 (1,973 ) 83,694 Money market investments 647 - - 647 Corporate bonds and other securities 7,598 92 (12 ) 7,678 Other marketable equity securities 100 64 - 164 Total $ 202,000 $ 532 $ (3,167 ) $ 199,365
Amortized Cost and Fair Value of Securities by Contractual Maturity	The amortized cost and fair value of securities by contractual maturity are shown below. December 31, 2017 Available-for-Sale Amortized Cost Fair Value (in thousands) Due in one year or less $ 4,015 $ 4,009 Due after one year through five years 23,293 23,126 Due after five years through ten years 38,197 37,997 Due after ten years 91,393 90,598 Total debt securities 156,898 155,730 Other securities without stated maturities 1,294 1,391 Total securities $ 158,192 $ 157,121
Information about Securities Sold	The following table provides information about securities sold in the years ended December 31: 2017 2016 2015 (in thousands) Proceeds from sales $ 4,480 $ 107,647 $ 23,005 Gross realized gains $ 96 $ 578 $ 76 Gross realized losses $ - $ 56 $ -
Available-for-Sale Securities and Held-to-Maturity Securities, Continuous Unrealized Loss Position	The following table shows the number of securities with unrealized losses, the gross unrealized losses and fair value of the Company's investments with unrealized losses that are deemed to be temporarily impaired, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, as of the dates indicated: December 31, 2017 Less Than Twelve Months More Than Twelve Months Total Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Number of Securities (dollars in thousands) Securities Available-for-Sale Obligations of U.S. Government agencies $ 11 $ 3,189 $ 111 $ 3,089 $ 122 $ 6,278 13 Obligations of state and political subdivisions 32 11,141 105 10,999 137 22,140 29 Mortgage-backed securities 67 9,742 1,543 64,554 1,610 74,296 24 Corporate bonds and other securities 2 1,098 8 792 10 1,890 11 Total securities available-for-sale $ 112 $ 25,170 $ 1,767 $ 79,434 $ 1,879 $ 104,604 77 December 31, 2016 Less Than Twelve Months More Than Twelve Months Total Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Number of Securities (dollars in thousands) Securities Available-for-Sale Obligations of U. S. Government agencies $ 166 $ 9,195 $ - $ - $ 166 $ 9,195 6 Obligations of state and political subdivisions 1,016 38,020 - - 1,016 38,020 56 Mortgage-backed securities 1,973 80,680 - - 1,973 80,680 23 Corporate bonds and other securities 11 1,787 1 100 12 1,887 13 Total securities available-for-sale $ 3,166 $ 129,682 $ 1 $ 100 $ 3,167 $ 129,782 98

Loans and Allowance for Loan 31

Loans and Allowance for Loan Losses (Tables)	12 Months Ended
	Dec. 31, 2017
Loans and Allowance for Loan Losses [Abstract]
Outstanding Loans By Segment Type	The following is a summary of the balances in each class of the Company's loan portfolio as of the dates indicated: December 31, 2017 December 31, 2016 (in thousands) Mortgage loans on real estate: Residential 1-4 family $ 101,021 $ 94,827 Commercial 289,682 285,429 Construction 27,489 23,116 Second mortgages 17,918 17,128 Equity lines of credit 56,610 51,024 Total mortgage loans on real estate 492,720 471,524 Commercial and industrial loans 60,398 54,434 Consumer automobile loans 119,251 10,407 Other consumer loans 54,974 48,500 Other (1) 11,197 19,017 Total loans 738,540 603,882 Less: Allowance for loan losses (9,448 ) (8,245 ) Loans, net of allowance and deferred fees (2) $ 729,092 $ 595,637 (1) Overdrawn deposit accounts are reclassified as loans and included in the Other category in the table above. Overdrawn deposit accounts totaled $594 thousand and $536 thousand at December 31, 2017 and December 31, 2016, respectively. (2) Net deferred loan costs totaled $916 thousand and $522 thousand at December 31, 2017 and December 31, 2016, respectively.
Credit Quality Information	The following table presents credit quality exposures by internally assigned risk ratings as of the dates indicated: Credit Quality Information As of December 31, 2017 Pass OAEM Substandard Total (in thousands) Mortgage loans on real estate: Residential 1-4 family $ 98,656 $ - $ 2,365 $ 101,021 Commercial 264,275 10,526 14,881 289,682 Construction 26,694 74 721 27,489 Second mortgages 17,211 431 276 17,918 Equity lines of credit 56,318 - 292 56,610 Total mortgage loans on real estate 463,154 11,031 18,535 492,720 Commercial and industrial loans 58,091 1,469 838 60,398 Consumer automobile loans 119,211 - 40 119,251 Other consumer loans 54,926 - 48 54,974 Other 11,197 - - 11,197 Total $ 706,579 $ 12,500 $ 19,461 $ 738,540 Credit Quality Information As of December 31, 2016 Pass OAEM Substandard Total (in thousands) Mortgage loans on real estate: Residential 1-4 family $ 92,458 $ 1,138 $ 1,231 $ 94,827 Commercial 260,948 10,014 14,467 285,429 Construction 22,219 162 735 23,116 Second mortgages 16,445 475 208 17,128 Equity lines of credit 50,387 500 137 51,024 Total mortgage loans on real estate 442,457 12,289 16,778 471,524 Commercial and industrial loans 49,979 2,278 2,177 54,434 Consumer automobile loans 10,407 - - 10,407 Other consumer loans 48,334 - 166 48,500 Other 19,017 - - 19,017 Total $ 570,194 $ 14,567 $ 19,121 $ 603,882
Past Due Loans	Loans in nonaccrual status that are also past due are included in the aging categories in the table below. Age Analysis of Past Due Loans as of December 31, 2017 30 - 59 Days Past Due 60 - 89 Days Past Due 90 or More Days Past Due Total Past Due Total Current Loans (1) Total Loans Recorded Investment > 90 Days Past Due and Accruing (in thousands) Mortgage loans on real estate: Residential 1-4 family $ 229 $ 153 $ 1,278 $ 1,660 $ 99,361 $ 101,021 $ 261 Commercial 194 771 1,753 2,718 286,964 289,682 - Construction - - 721 721 26,768 27,489 - Second mortgages 15 - 163 178 17,740 17,918 45 Equity lines of credit 75 19 53 147 56,463 56,610 - Total mortgage loans on real estate 513 943 3,968 5,424 487,296 492,720 306 Commercial and industrial loans 709 - 1,060 1,769 58,629 60,398 471 Consumer automobile loans 517 122 41 680 118,571 119,251 41 Other consumer loans 2,222 544 2,360 5,126 49,848 54,974 2,360 Other 84 9 4 97 11,100 11,197 4 Total $ 4,045 $ 1,618 $ 7,433 $ 13,096 $ 725,444 $ 738,540 $ 3,182 (1) For purposes of this table, Total Current Loans includes loans that are 1 - 29 days past due. In the table above, the other consumer category includes student loans with principal and interest amounts that are 97 - 98% guaranteed by the federal government. The past due principal portion of these guaranteed loans totaled $4.2 million at December 31, 2017. Age Analysis of Past Due Loans as of December 31, 2016 30 - 59 Days Past Due 60 - 89 Days Past Due 90 or More Days Past Due Total Past Due Total Current Loans (1) Total Loans Recorded Investment > 90 Days Past Due and Accruing (in thousands) Mortgage loans on real estate: Residential 1-4 family $ 564 $ - $ 496 $ 1,060 $ 93,767 $ 94,827 $ 218 Commercial 2,280 1,625 227 4,132 281,297 285,429 - Construction 162 - - 162 22,954 23,116 - Second mortgages - 200 188 388 16,740 17,128 58 Equity lines of credit 394 9 86 489 50,535 51,024 - Total mortgage loans on real estate 3,400 1,834 997 6,231 465,293 471,524 276 Commercial and industrial loans 5 - 86 91 54,343 54,434 - Consumer automobile loans - 11 - 11 10,396 10,407 - Other consumer loans 1,876 702 2,684 5,262 43,238 48,500 2,603 Other 41 12 5 58 18,959 19,017 5 Total $ 5,322 $ 2,559 $ 3,772 $ 11,653 $ 592,229 $ 603,882 $ 2,884 (1) For purposes of this table, Total Current Loans includes loans that are 1 - 29 days past due. In the table above, the consumer category includes student loans with principal and interest amounts that are 97 - 98% guaranteed by the federal government. The past due principal portion of these guaranteed loans totaled $4.8 million at December 31, 2016.
Nonaccrual Loans	The following table presents loans in nonaccrual status by class of loan as of the dates indicated: Nonaccrual Loans by Class December 31, 2017 December 31, 2016 (in thousands) Mortgage loans on real estate: Residential 1-4 family $ 1,447 $ 598 Commercial 9,468 6,033 Construction 721 - Second mortgages 118 129 Equity lines of credit 292 87 Total mortgage loans on real estate 12,046 6,847 Commercial and industrial loans 836 231 Consumer loans - 81 Total $ 12,882 $ 7,159
Interest Income to be Earned under the Original Terms	The following table presents the interest income that the Company would have earned under the original terms of its nonaccrual loans and the actual interest recorded by the Company on nonaccrual loans for the periods presented: Years Ended December 31, 2017 2016 2015 (in thousands) Interest income that would have been recorded under original loan terms $ 474 $ 318 $ 196 Actual interest income recorded for the period 281 269 141 Reduction in interest income on nonaccrual loans $ 193 $ 49 $ 55
Troubled Debt Restructurings by Class	The following table presents TDRs during the period indicated, by class of loan: Troubled Debt Restructurings by Class For the Year Ended December 31, 2017 Number of Modifications Recorded Investment Prior to Modification Recorded Investment After Modification Current Investment on December 31, 2017 (dollars in thousands) Mortgage loans on real estate: Residential 1-4 family 1 $ 142 $ 142 $ 140 Commercial 3 5,132 5,132 5,132 Total 4 $ 5,274 $ 5,274 $ 5,272 Troubled Debt Restructurings by Class For the Year Ended December 31, 2016 Number of Modifications Recorded Investment Prior to Modification Recorded Investment After Modification Current Investment on December 31, 2016 (dollars in thousands) Mortgage loans on real estate: Residential 1-4 family 6 $ 1,061 $ 1,061 $ 992 Commercial 1 150 150 - Second mortgages 1 53 53 53 Equity lines of credit 1 93 93 86 Total mortgage loans on real estate 9 1,357 1,357 1,131 Commercial and industrial loans 1 152 152 144 Consumer loans 2 8 8 - Total 12 $ 1,517 $ 1,517 $ 1,275
Impaired Loans by Class	The following table includes the recorded investment and unpaid principal balances (a portion of which may have been charged off) for impaired loans with the associated allowance amount, if applicable, as of the dates presented. Also presented are the average recorded investments in the impaired loans and the related amount of interest recognized for the periods presented. The average balances are calculated based on daily average balances. Impaired Loans by Class As of December 31, 2017 For the Year Ended December 31, 2017 Recorded Investment Unpaid Principal Balance Without Valuation Allowance With Valuation Allowance Associated Allowance Average Recorded Investment Interest Income Recognized (in thousands) Mortgage loans on real estate: Residential 1-4 family $ 2,873 $ 2,499 $ 316 $ 52 $ 2,525 $ 90 Commercial 15,262 11,622 1,644 1 13,541 579 Construction 814 721 92 18 406 23 Second mortgages 473 318 135 14 464 20 Equity lines of credit 293 53 239 10 261 - Total mortgage loans on real estate $ 19,715 $ 15,213 $ 2,426 $ 95 $ 17,197 $ 712 Commercial and industrial loans 1,115 836 - - 1,388 30 Consumer loans - - - - 41 - Total $ 20,830 $ 16,049 $ 2,426 $ 95 $ 18,626 $ 742 Impaired Loans by Class As of December 31, 2016 For the Year Ended December 31, 2016 Recorded Investment Unpaid Principal Balance Without Valuation Allowance With Valuation Allowance Associated Allowance Average Recorded Investment Interest Income Recognized (in thousands) Mortgage loans on real estate: Residential 1-4 family $ 2,496 $ 1,835 $ 622 $ 75 $ 2,741 $ 119 Commercial 16,193 11,095 4,274 415 11,885 727 Construction 619 528 96 22 496 43 Second mortgages 526 309 141 17 511 25 Equity lines of credit 87 86 - - 46 3 Total mortgage loans on real estate $ 19,921 $ 13,853 $ 5,133 $ 529 $ 15,679 $ 917 Commercial and industrial loans 1,077 - 989 271 827 74 Consumer loans 81 81 - - 68 1 Total $ 21,079 $ 13,934 $ 6,122 $ 800 $ $ 16,574 $ 992
Allowance for Loan Losses by Segment	The following table presents, by portfolio segment, the changes in the allowance for loan losses and the recorded investment in loans for the periods presented. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. ALLOWANCE FOR LOAN LOSSES AND RECORDED INVESTMENT IN LOANS (in thousands) For the Year Ended December 31, 2017 Commercial Real Estate - Construction Real Estate - Mortgage Consumer Other Total Allowance for Loan Losses: Balance at the beginning of period $ 1,493 $ 846 $ 5,267 $ 455 $ 184 $ 8,245 Charge-offs (807 ) - (1,934 ) (279 ) (267 ) (3,287 ) Recoveries 37 104 45 56 88 330 Provision for loan losses 1,166 (409 ) 1,839 1,412 152 4,160 Ending balance 1,889 541 5,217 1,644 157 9,448 Ending balance individually evaluated for impairment - 18 77 - - 95 Ending balance collectively evaluated for impairment 1,889 523 5,140 1,644 157 9,353 Ending balance 1,889 541 5,217 1,644 157 9,448 Loan Balances: Ending balance individually evaluated for impairment 836 813 16,826 - - 18,475 Ending balance collectively evaluated for impairment 59,562 26,676 448,405 174,225 11,197 720,065 Ending balance $ 60,398 $ 27,489 $ 465,231 $ 174,225 $ 11,197 $ 738,540 For the Year Ended December 31, 2016 Commercial Real Estate - Construction Real Estate - Mortgage Consumer Other Total Allowance for Loan Losses: Balance at the beginning of period $ 633 $ 985 $ 5,628 $ 279 $ 213 $ 7,738 Charge-offs (915 ) - (504 ) (204 ) (147 ) (1,770 ) Recoveries 79 3 197 28 40 347 Provision for loan losses 1,696 (142 ) (54 ) 352 78 1,930 Ending balance 1,493 846 5,267 455 184 8,245 Ending balance individually evaluated for impairment 271 22 507 - - 800 Ending balance collectively evaluated for impairment 1,222 824 4,760 455 184 7,445 Ending balance 1,493 846 5,267 455 184 8,245 Loan Balances: Ending balance individually evaluated for impairment 989 624 18,362 81 - 20,056 Ending balance collectively evaluated for impairment 53,445 22,492 430,046 58,826 19,017 583,826 Ending balance $ 54,434 $ 23,116 $ 448,408 $ 58,907 $ 19,017 $ 603,882
Change in Allowance Methodology	The following table represents the effect on the loan loss provision as a result of these changes in methodology. It compares the methodology actually used for the year ended December 31, 2017 to that used in prior periods. Calculated Provision Based on Current Methodology Calculated Provision Based on Prior Methodology Difference (in thousands) Portfolio Segment: Commercial $ 1,166 $ 1,653 $ (487 ) Real estate - construction (409 ) (791 ) 382 Real estate - mortgage 1,839 2,397 (558 ) Consumer loans 1,412 1,698 (286 ) Other 152 361 (209 ) Total $ 4,160 $ 5,318 $ (1,158 )

Other Real Estate Owned (OREO)

Other Real Estate Owned (OREO) (Tables)	12 Months Ended
	Dec. 31, 2017
Other Real Estate Owned (OREO) [Abstract]
Analysis of the Balance in Foreclosed Assets	An analysis of the balance in OREO is as follows: Years Ended December 31, 2017 2016 (in thousands) Balance at beginning of year $ 2,093 $ 5,290 Transfers to OREO due to foreclosure - - Other additions to foreclosed properties - 52 Closed branch locations transferred to OREO - 127 Properties sold (2,093 ) (3,376 ) Balance at end of year $ - $ 2,093
Analysis of Valuation Allowance on Foreclosed Assets	An analysis of the valuation allowance on OREOs is as follows: Years Ended December 31, 2017 2016 (in thousands) Balance at beginning of year $ 1,026 $ 2,549 Additions and write-downs - 60 Reductions due to sales or increases in value (1,026 ) (1,583 ) Balance at end of year $ - $ 1,026
Expenses Applicable to Foreclosed Assets	Expenses applicable to OREOs include the following: Years Ended December 31, 2017 2016 2015 (in thousands) Net loss (gain) on sales of real estate $ (18 ) $ 94 $ -54 Provision for losses (net write-downs) - 60 1,011 Operating expenses, net of income (1) 10 160 219 Total Expenses $ (8 ) $ 314 $ 1,176 (1) Included in other operating income and other operating expense on the Consolidated Statements of Operations.

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2017
Premises and Equipment [Abstract]
Schedule of Premises and Equipment	Premises and equipment consisted of the following at December 31: 2017 2016 (in thousands) Land $ 7,663 $ 7,663 Buildings 37,944 37,890 Construction in process 137 43 Leasehold improvements 861 852 Furniture, fixtures and equipment 19,675 19,220 66,280 65,668 Less accumulated depreciation and amortization 29,083 26,344 $ 37,197 $ 39,324
Minimum Rental Commitment due under Noncancellable Leases	The total approximate minimum rental commitment at December 31, 2017 under noncancellable leases is $413 thousand which is due as follows (in thousands): 2018 $ 178 2019 156 2020 79 Total $ 413

Low-Income Housing Tax Credits

Low-Income Housing Tax Credits (Tables)	12 Months Ended
	Dec. 31, 2017
Low-Income Housing Tax Credits [Abstract]
Schedule of Tax Credits and Other Tax Benefits Recognized Related to Investments	The table below summarizes the tax credits and other tax benefits recognized by the Company and related to these investments, as of the periods indicated: Years Ended December 31, 2017 2016 2015 (in thousands) Tax credits received $ 412 $ 384 $ (291 ) Tax benefit from losses 116 102 74 Total tax benefit $ 528 $ 486 $ 365

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2017
Deposits [Abstract]
Maturities of Time Deposits	At December 31, 2017 the scheduled maturities of time deposits (in thousands) are as follows: 2018 $ 80,198 2019 36,737 2020 52,384 2021 24,485 2022 19,021 Total $ 212,825

Short Term and Long Term Borr36

Short Term and Long Term Borrowings (Tables)	12 Months Ended
	Dec. 31, 2017
Short Term and Long Term Borrowings [Abstract]
Schedule of Short-term Borrowings	The following table presents total short-term borrowings as of the dates indicated (dollars in thousands): December 31, 2017 December 31, 2016 Federal funds purchased $ 10,000 $ - Overnight repurchase agreements 20,693 18,704 Federal Home Loan Bank Advances 47,500 - Total short-term borrowings $ 78,193 $ 18,704 Maximum month-end outstanding balance $ 79,819 $ 68,864 Average outstanding balance during the period $ 53,165 $ 39,364 Average interest rate during the period 0.72 % 0.59 % Average interest rate at end of period 1.27 % 0.10 %
Schedule of long-term FHLB Advances Outstanding	At December 31, 2017, the Company had the following long-term FHLB advances outstanding (dollars in thousands). Long-term Type Interest Rate Maturity Date Advance Amount Fixed Rate Hybrid 1.54 % 2/28/2019 $ 10,000 Fixed Rate Hybrid 1.90 % 11/15/2019 10,000 $ 20,000

Share-Based Compensation (Table

Share-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2017
Share-Based Compensation [Abstract]
Stock Option Plan Activity	Stock option activity for the year ended December 31, 2017 is summarized below: Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Life (in years) Aggregate Intrinsic Value (in thousands) Options outstanding, January 1, 2017 60,605 $ 20.05 Granted - - Exercised (58,105 ) 20.05 Canceled or expired (2,500 ) 20.05 Options outstanding, December 31, 2017 - $ - - $ - Options exercisable, December 31, 2017 - $ - - $ -
Restricted Stock Activity	Restricted stock activity for the year ended December 31, 2017 is summarized below. Shares Weighted Average Grant Date Fair Value Nonvested, January 1, 2017 - $ - Issued 2,245 33.60 Vested - - Forfeited - - Nonvested, December 31, 2017 2,245 $ 33.60

Stockholders' Equity and Earn38

Stockholders' Equity and Earnings per Common Share (Tables)	12 Months Ended
	Dec. 31, 2017
Stockholders' Equity and Earnings Per Common Share [Abstract]
Amounts Reclassified Out of Accumulated Other Comprehensive Loss by Category	The following table presents information on amounts reclassified out of accumulated other comprehensive Income (loss), by category, during the periods indicated: Years Ended Affected Line Item on Consolidated Statement of Income 2017 2016 2015 (in thousands) Available-for-sale securities Realized gains (losses) on sales of securities $ 96 $ 522 $ 76 Gain (loss) on sale of available-for-sale securities, net Tax effect 33 177 26 Income tax expense (benefit) $ 63 $ 345 $ 50 Defined-benefit pension plan Amortization of actuarial loss (1) $ (490 ) $ (504 ) $ (390 ) Salaries and employee benefits Tax effect (167 ) (171 ) (133 ) Income tax expense (benefit) $ (323 ) $ (333 ) $ (257 ) Total reclassifications for the period $ (260 ) $ 12 $ (207 ) (1) This accumulated other comprehensive loss component is included in the computation of net periodic pension cost (see Note 14. Pension Plan and 401(k) Plan for additional details).
Changes in Accumulated Other Comprehensive Loss, by Category	The following table presents the changes in accumulated other comprehensive Income (loss), by category, net of tax, for the periods indicated: Unrealized Gains (Losses) on Available- for-Sale Securities Unrealized Losses on Securities Transferred from Available- for-Sale to Held-to- Maturity (1) Defined Benefit Pension Plans (2) Accumulated Other Comprehensive Income (Loss) (in thousands) Balance at December 31, 2014 $ (78 ) $ (3,386 ) $ (2,429 ) $ (5,893 ) Net change for the year ended December 31, 2015 (498 ) 3,386 (157 ) 2,731 Balance at December 31, 2015 (576 ) - (2,586 ) (3,162 ) Net change for the year ended December 31, 2016 (1,163 ) - 117 (1,046 ) Balance at December 31, 2016 $ (1,739 ) $ - $ (2,469 ) $ (4,208 ) Net change for the year ended December 31, 2017 1,032 - 2,469 3,501 Balance at December 31, 2017 $ (707 ) $ - $ - $ (707 ) (1) Net change for the year ended December 31, 2015 represents reclassification due to the transfer of securities held-to-maturity to available-for-sale. (2) Net change reflects termination and settlement of the pension plan during year ended December 31, 2017.
Components of Other Comprehensive Income, Net of Tax on Pre-Tax and After-Tax	The following table presents the change in each component of other comprehensive income, net of tax on a pre-tax and after-tax basis for the periods indicated. Year Ended December 31, 2017 Pretax Tax Effect Net-of-Tax (in thousands) Unrealized gains on available-for-sale securities: Unrealized holding gains arising during the period $ 1,659 $ 564 $ 1,095 Reclassification adjustment for gains recognized in income (96 ) (33 ) (63 ) Net unrealized gains on securities 1,563 531 1,032 Defined benefit pension plans: Plan termination, settlement and net amortization 3,741 1,272 2,469 Total change in accumulated other comprehensive income $ 5,304 $ 1,803 $ 3,501 Year Ended December 31, 2016 Pretax Tax Effect Net-of-Tax (in thousands) Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (1,240 ) $ (422 ) $ (818 ) Reclassification adjustment for gains recognized in income (522 ) (177 ) (345 ) Net change (1,762 ) (599 ) (1,163 ) Defined benefit pension plans: Net actuarial loss for the period (327 ) (111 ) (216 ) Amortization of actuarial loss from prior period 504 171 333 Net change 177 60 117 Total change in accumulated other comprehensive loss $ (1,585 ) $ (539 ) $ (1,046 ) Year Ended December 31, 2015 Pretax Tax Effect Net-of-Tax (in thousands) Unrealized losses on available-for-sale securities: Unrealized holding losses arising during the period $ (679 ) $ (231 ) $ (448 ) Reclassification adjustment for gains recognized in income (76 ) (26 ) (50 ) Net change (755 ) (257 ) (498 ) Unrealized losses on securities transferred from available-for-sale to held-to-maturity: Elimination upon transfer back to available-for-sale 4,197 1,427 2,770 Amortization 934 318 616 Net change 5,131 1,745 3,386 Defined benefit pension plans: Net actuarial loss for the period (627 ) (213 ) (414 ) Amortization of actuarial loss from prior period 390 133 257 Net change (237 ) (80 ) (157 ) Total change in accumulated other comprehensive loss $ 4,139 $ 1,408 $ 2,731
Computation of Earnings Per Share	The following is a reconciliation of the denominators of the basic and diluted EPS computations for the years ended December 31, 2017, 2016, and 2015: Net Income Available to Common Shareholders (Numerator) Weighted Average Common Shares (Denominator) Per Share Amount (in thousands except per share data) Year Ended December 31, 2017 Net income, basic $ (29 ) 4,991 $ (0.01 ) Potentially dilutive common shares - stock options - - - Potentially dilutive common shares - employee stock purchase program - - - Diluted $ (29 ) 4,991 $ (0.01 ) Year Ended December 31, 2016 Net income, basic $ 3,797 4,959 $ 0.77 Potentially dilutive common shares - stock options - 2 - Potentially dilutive common shares - employee stock purchase program - - - Diluted $ 3,797 4,961 $ 0.77 Year Ended December 31, 2015 Net income, basic $ 3,634 4,959 $ 0.73 Potentially dilutive common shares - stock options - - - Potentially dilutive common shares - employee stock purchase program - - - Diluted $ 3,634 4,959 $ 0.73

Related Party Transactions (Tab

Related Party Transactions (Tables)	12 Months Ended
	Dec. 31, 2017
Related Party Transactions [Abstract]
Schedule of Annual activity	Annual activity consisted of the following: 2017 2016 (in thousands) Balance, beginning of year $ 4,354 $ 4,429 Additions 351 110 Reductions (418 ) (185 ) Balance, end of year $ 4,287 $ 4,354

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2017
Income Taxes [Abstract]
Components of Income Tax Expense	The components of income tax expense for the current and prior year-ends are as follows: 2017 2016 2015 (in thousands) Current income tax expense $ 20 $ 179 $ 281 Deferred income tax benefit (117 ) (19 ) (227 ) Reported income tax expense (benefit) $ (97 ) $ 160 $ 54
Reconciliation of "Expected" Federal Income Tax Expense	A reconciliation of the expected federal income tax expense on income before income taxes with the reported income tax expense for the same periods follows: Years Ended December 31, 2017 2016 2015 (in thousands) Expected tax expense (34%) $ (43 ) $ 1,345 $ 1,254 Interest expense on tax-exempt assets 23 15 22 Low-income housing tax credits (412 ) (384 ) (274 ) Tax-exempt interest (628 ) (608 ) (654 ) Bank-owned life insurance (263 ) (270 ) (301 ) Impact of Tax Act 1,221 - - Other, net 5 62 7 Reported income tax expense $ (97 ) $ 160 $ 54
Components of Net Deferred Tax Asset	The components of the net deferred tax asset, included in other assets, are as follows: December 31, 2017 2016 (in thousands) Deferred tax assets: Allowance for loan losses $ 1,984 $ 2,803 Interest on nonaccrual loans 82 71 Other real estate owned - 349 Pension - other comprehensive income - 1,272 Bank owned life insurance benefit 55 94 Charitable contributions carried forward 2 1 Net unrealized loss on securities available-for-sale 225 896 Unexercised nonqualified options - 36 Alternative minimum tax 1,344 1,019 Deferred benefits and compensation 139 256 Other 179 89 $ 4,010 $ 6,886 Deferred tax liabilities: Depreciation $ (404 ) $ (822 ) Accretion of discounts on securities - (1 ) Deferred loan fees and costs (295 ) (325 ) Pension - (740 ) (699 ) (1,888 ) Net deferred tax assets $ 3,311 $ 4,998

Pension Plan and 401(k) Plan (T

Pension Plan and 401(k) Plan (Tables)	12 Months Ended
	Dec. 31, 2017
Pension Plan and 401(k) Plan [Abstract]
Schedule of Net Funded Status	Information pertaining to the activity in the plan, using a measurement date of December 31, is as follows: Years ended December 31, 2017 2016 (in thousands) Change in benefit obligation Benefit obligation at beginning of year $ 7,062 $ 7,039 Service cost - - Interest cost 268 279 Benefits paid (6,977 ) (461 ) Actuarial (gain) loss (353 ) 205 Benefit obligation at end of year $ - $ 7,062 Change in plan assets Fair value of plan assets at beginning of year $ 5,499 $ 5,691 Actual return on plan assets (76 ) 269 Employer contribution 1,554 - Benefits paid (6,977 ) (461 ) Fair value of plan assets at end of year $ - $ 5,499 Funded Status at end of year $ - $ (1,563 )
Schedule of Amounts Recognized in Consolidated Balance Sheet and Other Comprehensive Income	December 31, 2017 2016 (in thousands) Amounts recognized in the consolidated balance sheets Accrued pension liability $ - $ (1,563 ) Amounts recognized in accumulated other comprehensive (income) loss Loss $ - $ 3,741 Deferred taxes - (1,272 ) Net loss $ - $ 2,469 Accumulated benefit obligation $ - $ 7,062
Assumptions Used to Determine Benefit Obligations and Net Periodic Pension Cost	Assumptions used to determine the benefit obligations at December 31, 2017 2016 Discount rate 0.00 % 3.86 % During the years ending December 31, Weighted-average assumptions used to determine net periodic pension cost 2017 2016 Discount rate 3.86 % 4.03 % Expected long-term rate of return on plan assets 7.00 % 7.00 %
Schedule of Net Periodic Pension Cost and Other Amounts Recognized in Other Comprehensive Income	Years ended December 31, 2017 2016 2015 Components of net periodic pension cost (in thousands) Interest cost $ 268 $ 279 $ 260 Expected return on plan assets (376 ) (391 ) (376 ) Amortization of unrecognized loss 490 504 390 Preliminary net periodic pension cost 382 392 274 Settlement/curtailment expense 3,350 - - Net periodic pension cost $ 3,732 $ 392 $ 274 Components of other amounts recognized in other comprehensive income (loss) Net actuarial (gain) loss $ 99 $ 327 $ 627 Settlement loss (3,350 ) - Amortization of actuarial loss (490 ) (504 ) (390 ) Total recognized in other comprehensive income (loss) $ (3,741 ) $ (177 ) $ 237 Total recognized in net periodic benefit cost and other comprehensive income (loss) $ (9 ) $ 215 $ 511
Fair Value of Pension Plan Assets	The fair value of the pension plan assets by asset category were as follows at December 31, 2016: Assets at Fair Value as of December 31, 2016 Asset Category Level 1 Level 2 Level 3 Total (in thousands) Money market funds $ 2,839 $ - $ - $ 2,839 Mutual funds - - - - Common stock 1,129 - - 1,129 Corporate bonds - 1,472 - 1,472 Partnerships - 59 - 59 Total assets at fair value $ 3,968 $ 1,531 $ - $ 5,499

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2017
Commitments and Contingencies [Abstract]
Financial Instruments whose Contract Amounts Represent Credit Risk	The following financial instruments whose contract amounts represent credit risk were outstanding at December 31: 2017 2016 (in thousands) Commitments to extend credit: Home equity lines of credit $ 56,486 $ 47,243 Commercial real estate, construction and development loans committed but not funded 19,526 15,948 Other lines of credit (principally commercial) 68,101 81,966 Total $ 144,113 $ 145,157 Letters of credit $ 3,331 $ 3,597

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 2017
Fair Value Measurements [Abstract]
Assets Measured at Fair Value on Recurring Basis	The following table presents the balances of certain assets measured at fair value on a recurring basis as of the dates indicated: Fair Value Measurements at December 31, 2017 Using Description Balance Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (in thousands) Available-for-sale securities Obligations of U.S. Government agencies $ 9,435 $ - $ 9,435 $ - Obligations of state and political subdivisions 64,765 - 64,765 - Mortgage-backed securities 74,296 - 74,296 - Money market investments 1,194 - 1,194 - Corporate bonds 7,234 - 7,234 - Other marketable equity securities 197 - 197 - Total available-for-sale securities $ 157,121 $ - $ 157,121 $ - Fair Value Measurements at December 31, 2016 Using Description Balance Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (in thousands) Available-for-sale securities U.S. Treasury securities $ 20,000 $ - $ 20,000 $ - Obligations of U.S. Government agencies 9,195 - 9,195 - Obligations of state and political subdivisions 77,987 - 77,987 - Mortgage-backed securities 83,694 - 83,694 - Money market investments 647 - 647 - Corporate bonds 7,678 - 7,678 - Other marketable equity securities 164 - 164 - Total available-for-sale securities $ 199,365 $ - $ 199,365 $ -
Assets Measured at Fair Value on Nonrecurring Basis	The following table presents the assets carried on the consolidated balance sheets for which a nonrecurring change in fair value has been recorded. Assets are shown by class of loan and by level in the fair value hierarchy, as of the dates indicated. Certain impaired loans are valued by the present value of the loan's expected future cash flows, discounted at the loan's effective interest rate. These loans are not carried on the consolidated balance sheets at fair value and, as such, are not included in the table below. Former branch sites are carried at the lower of cost or market. Those carried at cost are not included in the table below. Carrying Value at December 31, 2017 Using Description Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (in thousands) Impaired loans Mortgage loans on real estate: Residential 1-4 family $ 264 $ - $ - $ 264 Construction 74 - - 74 Equity lines of credit 229 - - 229 Total $ 567 $ - $ - $ 567 Loans held for sale $ 779 $ - $ 779 $ - Carrying Value at December 31, 2016 Using Description Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (in thousands) Impaired loans Mortgage loans on real estate: Residential 1-4 family $ 400 $ - $ - $ 400 Commercial 1,483 - - 1,483 Construction 74 - - 74 Total mortgage loans on real estate 1,957 - - 1,957 Commercial loans 718 - - 718 Total $ 2,675 $ - $ - $ 1,957 Other real estate owned Construction $ 940 $ - $ - $ 940 Total $ 940 $ - $ - $ 940
Fair Value Inputs, Assets, Quantitative Information	The following table displays quantitative information about Level 3 Fair Value Measurements as of the dates indicated: Quantitative Information About Level 3 Fair Value Measurements Description Fair Value at December 31, 2017 (dollars in thousands) Valuation Techniques Unobservable Input Range (Average) Impaired loans Residential 1-4 family real estate $ 264 Market comparables Selling costs 7.25 % Liquidation discount 0.00% - 4.00% (2.91 %) Construction 74 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Equity lines of credit 229 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Quantitative Information About Level 3 Fair Value Measurements Description Fair Value at December 31, 2016 (dollars in thousands) Valuation Techniques Unobservable Input Range (Average) Impaired loans Residential 1-4 family real estate $ 400 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Commercial real estate 1,483 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Construction 74 Market comparables Selling costs 7.25 % Liquidation discount 4.00 % Commercial loans 718 Market comparables Selling costs 0.00 % Liquidation discount 0.00% - 38.58% (32.40 %) Other real estate owned Construction 940 Market comparables Selling costs 7.25 % Liquidation discount 0.00 %
Estimated Fair Values and Related Carrying or Notional Amounts of Financial Instruments	The estimated fair values, and related carrying or notional amounts, of the Company's financial instruments as of the dates indicated are as follows: Fair Value Measurements at December 31, 2017 Using Description Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (in thousands) Assets Cash and cash equivalents $ 14,412 $ 14,412 $ - $ - Securities available-for-sale 157,121 - 157,121 - Restricted securities 3,846 - 3,846 - Loans held for sale 779 - 779 - Loans, net of allowances for loan losses 729,092 - - 722,464 Bank owned life insurance 25,981 - 25,981 - Accrued interest receivable 3,254 - 3,254 - Liabilities Deposits $ 783,594 $ - $ 782,539 $ - Federal funds purchased 10,000 - 10,000 - Overnight repurchase agreements 20,693 - 20,693 - Federal Home Loan Bank advances 67,500 - 67,329 - Accrued interest payable 360 - 360 - Fair Value Measurements at December 31, 2016 Using Description Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (in thousands) Assets Cash and cash equivalents $ 25,854 $ 25,854 $ - $ - Securities available-for-sale 199,365 - 199,365 - Restricted securities 970 - 970 - Loans, net of allowances for loan losses 595,637 - - 594,190 Bank owned life insurance 25,206 - 25,206 - Accrued interest receivable 3,189 - 3,189 - Liabilities Deposits $ 784,502 $ - $ 783,450 $ - Overnight repurchase agreements 18,704 - 18,704 - Accrued interest payable 228 - 228 -

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2017
Regulatory Matters [Abstract]
Actual and Required Capital Amounts and Ratios	The Company's and the Bank's actual capital amounts and ratios as of December 31, 2017 and 2016 are also presented in the table. Capital Minimum Capital Requirement Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio (dollars in thousands) December 31, 2017: Total Capital to Risk Weighted Assets: Consolidated $ 106,029 12.28 % $ 69,055 8.00 % N/A N/A Old Point National Bank 97,194 11.30 % 68,803 8.00 % $ 86,004 10.00 % Tier 1 Capital to Risk Weighted Assets: Consolidated 96,474 11.18 % 51,791 6.00 % N/A N/A Old Point National Bank 87,639 10.19 % 51,602 6.00 % 68,803 8.00 % Common Equity Tier 1 Capital to Risk Weighted Assets: Consolidated 96,474 11.18 % 38,843 4.50 % N/A N/A Old Point National Bank 87,639 10.19 % 38,702 4.50 % 55,902 6.50 % Tier 1 Capital to Average Assets: Consolidated 96,474 9.98 % 38,686 4.00 % N/A N/A Old Point National Bank 87,639 9.09 % 38,575 4.00 % 48,218 5.00 % December 31, 2016: Total Capital to Risk Weighted Assets: Consolidated $ 106,443 14.51 % $ 58,678 8.00 % N/A N/A Old Point National Bank 98,237 13.47 % 58,350 8.00 % $ 72,938 10.00 % Tier 1 Capital to Risk Weighted Assets: Consolidated 98,198 13.39 % 44,009 6.00 % N/A N/A Old Point National Bank 89,992 12.34 % 43,763 6.00 % 58,350 8.00 % Common Equity Tier 1 Capital to Risk Weighted Assets: Consolidated 98,198 13.39 % 33,007 4.50 % N/A N/A Old Point National Bank 89,992 12.34 % 32,822 4.50 % 47,410 6.50 % Tier 1 Capital to Average Assets: Consolidated 98,198 10.68 % 36,768 4.00 % N/A N/A Old Point National Bank 89,992 9.85 % 36,549 4.00 % 45,686 5.00 %

Segment Reporting (Tables)

Segment Reporting (Tables)	12 Months Ended
	Dec. 31, 2017
Segment Reporting [Abstract]
Reconciliation of Assets and Revenues from Segment to Consolidated	Information about reportable segments, and reconciliation of such information to the Consolidated Financial Statements as of and for the years ended December 31 follows: 2017 Bank Trust Unconsolidated Parent Eliminations Consolidated (in thousands) Revenues Interest and dividend income $ 32,861 $ 71 $ 667 $ (665 ) $ 32,934 Fiduciary and asset management fees - 3,786 - - 3,786 Other income 9,389 944 200 (261 ) 10,272 Total operating income 42,250 4,801 867 (926 ) 46,992 Expenses Interest expense 3,010 - - 2 3,012 Provision for loan losses 4,160 - - - 4,160 Salaries and employee benefits 20,968 2,800 445 - 24,213 Other expenses 14,109 1,075 811 (262 ) 15,733 Total operating expenses 42,247 3,875 1,256 (260 ) 47,118 Income (loss) before taxes 3 926 (389 ) (666 ) (126 ) Income tax expense (benefit) (65 ) 328 (360 ) - (97 ) Net income (loss) $ 68 $ 598 $ (29 ) $ (666 ) $ (29 ) Capital expenditures $ 613 $ 6 $ - $ - $ 619 Total assets $ 975,991 $ 6,126 $ 96,406 $ (96,697 ) $ 981,826 2016 Bank Trust Unconsolidated Parent Eliminations Consolidated (in thousands) Revenues Interest and dividend income $ 29,765 $ 61 $ 4,590 $ (4,590 ) $ 29,826 Fiduciary and asset management fees - 3,560 - - 3,560 Other income 9,058 910 200 (262 ) 9,906 Total operating income 38,823 4,531 4,790 (4,852 ) 43,292 Expenses Interest expense 2,574 - - - 2,574 Provision for loan losses 1,930 - - - 1,930 Salaries and employee benefits 16,801 2,671 406 - 19,878 Other expenses 13,179 1,041 995 (262 ) 14,953 Total operating expenses 34,484 3,712 1,401 (262 ) 39,335 Income (loss) before taxes 4,339 819 3,389 (4,590 ) 3,957 Income tax expense (benefit) 288 280 (408 ) - 160 Net income (loss) $ 4,051 $ 539 $ 3,797 $ (4,590 ) $ 3,797 Capital expenditures $ 887 $ 4 $ - $ - $ 891 Total assets $ 897,966 $ 5,761 $ 93,998 $ (94,759 ) $ 902,966 2015 Bank Trust Unconsolidated Parent Eliminations Consolidated (in thousands) Revenues Interest and dividend income $ 30,242 $ 54 $ 4,009 $ (4,010 ) $ 30,295 Fiduciary and asset management fees - 3,617 - - 3,617 Other income 8,548 1,032 200 (261 ) 9,519 Total operating income 38,790 4,703 4,209 (4,271 ) 43,431 Expenses Interest expense 3,633 - - (1 ) 3,632 Provision for loan losses 1,025 - - - 1,025 Salaries and employee benefits 17,630 2,685 432 - 20,747 Other expenses 13,254 1,010 336 (261 ) 14,339 Total operating expenses 35,542 3,695 768 (262 ) 39,743 Income (loss) before taxes 3,248 1,008 3,441 (4,009 ) 3,688 Income tax expense (benefit) (96 ) 343 (193 ) - 54 Net income (loss) $ 3,344 $ 665 $ 3,634 $ (4,009 ) $ 3,634 Capital expenditures $ 1,682 $ 74 $ - $ - $ 1,756 Total assets $ 891,877 $ 5,694 $ 93,191 $ (93,975 ) $ 896,787

Condensed Financial Statement46

Condensed Financial Statements of Parent Company (Tables)	12 Months Ended
	Dec. 31, 2017
Condensed Financial Statements of Parent Company [Abstract]
Balance Sheets	Financial information pertaining to Old Point Financial Corporation (parent company only) is as follows: December 31, Balance Sheets 2017 2016 (in thousands) Assets Cash and cash equivalents $ 2,622 $ 2,366 Securities available-for-sale 197 164 Investment in common stock of subsidiaries 93,533 91,437 Other assets 54 31 Total assets $ 96,406 $ 93,998 Liabilities and Stockholders' Equity Note payable - subsidiary $ 18 $ 8 Common stock 25,087 24,806 Additional paid-in capital 17,270 16,427 Retained earnings 54,738 56,965 Accumulated other comprehensive loss (707 ) (4,208 ) Total liabilities and stockholders' equity $ 96,406 $ 93,998
Statements of Income	Years Ended December 31, Statements of Income 2017 2016 2015 (in thousands) Income: Dividends from subsidiaries $ 2,050 $ 2,900 $ 2,900 Other income 200 200 200 Total income 2,250 3,100 3,100 Expenses: Salaries and benefits 445 406 432 Legal expenses 285 774 180 Service fees 210 166 137 Other operating expenses 316 55 19 Total expenses 1,256 1,401 768 Income before income taxes and equity in undistributed net income (loss) of subsidiaries 994 1,699 2,332 Income tax benefit (360 ) (408 ) (193 ) 1,354 2,107 2,525 Equity in undistributed net income (loss) of subsidiaries (1,383 ) 1,690 1,109 Net income (loss) $ (29 ) $ 3,797 $ 3,634
Statements of Cash Flows	Years Ended December 31, Statements of Cash Flows 2017 2016 2015 (in thousands) Cash flows from operating activities: Net income (loss) $ (29 ) $ 3,797 $ 3,634 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed net income (loss) of subsidiaries 1,383 (1,690 ) (1,109 ) Stock compensation expense 17 - - (Increase) decrease in other assets (34 ) 5 (5 ) Increase (decrease) in other liabilities 10 (7 ) 15 Net cash provided by operating activities 1,347 2,105 2,535 Cash flows from investing activities: - - - Cash flows from financing activities: Proceeds from sale of stock 1,107 46 - Cash dividends paid on common stock (2,198 ) (1,983 ) (1,686 ) Net cash used in financing activities (1,091 ) (1,937 ) (1,686 ) Net increase in cash and cash equivalents 256 168 849 Cash and cash equivalents at beginning of year 2,366 2,198 1,349 Cash and cash equivalents at end of year $ 2,622 $ 2,366 $ 2,198 Supplemental schedule of noncash transactions: Unrealized gain (loss) on securities available-for-sale $ 33 $ 64 (1 )

Significant Accounting Polici47

Significant Accounting Policies (Details) $ in Thousands	Apr. 20, 2017USD ($)	Dec. 31, 2018	Dec. 31, 2017USD ($)SubsidiaryBranchPeriodqtr	Dec. 31, 2016USD ($)Periodqtr	Dec. 31, 2015USD ($)
THE COMPANY [Abstract]
Number of subsidiaries | Subsidiary			2
Number of branch offices | Branch			18
ACQUISITIONS [Abstract]
Gain on previously held equity interest			$ 550	$ 0	$ 0
Purchase Price Allocation [Abstract]
Goodwill			621	0
Concentration Risk [Line Items]
Total Loans			$ 738,540	$ 603,882
INTEREST-BEARING DEPOSITS IN BANKS [Abstract]
Maturity period of interest bearing deposits			1 year
ALLOWANCE FOR LOAN LOSSES [Abstract]
Number of migration periods | Period			4	1
Number of quarters remains on migration period | qtr			12	12
Income Tax Disclosure [Line Items]
Uncertain tax positions			$ 0	$ 0
Corporate income tax rate			34.00%	34.00%	34.00%
Income tax expense			$ 1,200
ADVERTISING EXPENSE [Abstract]
Advertising expense			$ 249	$ 273	$ 217
Maximum [Member]
Income Tax Disclosure [Line Items]
Corporate income tax rate			35.00%
Plan [Member]
Income Tax Disclosure [Line Items]
Corporate income tax rate		21.00%
Buildings and Equipment [Member] | Minimum [Member]
Property, Plant and Equipment [Line Items]
Estimated useful lives			3 years
Buildings and Equipment [Member] | Maximum [Member]
Property, Plant and Equipment [Line Items]
Estimated useful lives			39 years
Software [Member] | Minimum [Member]
Property, Plant and Equipment [Line Items]
Estimated useful lives			3 years
Software [Member] | Maximum [Member]
Property, Plant and Equipment [Line Items]
Estimated useful lives			5 years
Mortgage Loans on Real Estate [Member]
Concentration Risk [Line Items]
Total Loans			$ 492,720	$ 471,524
Percentage of total loans			42.95%	51.09%
Mortgage Loans on Real Estate [Member] | Commercial Real Estate [Member]
Concentration Risk [Line Items]
Total Loans			$ 317,200	$ 308,500
TMSI [Member]
ACQUISITIONS [Abstract]
Percentage of ownership interest			51.00%
Gain on previously held equity interest			$ 550
Purchase Price Allocation [Abstract]
Consideration transferred	$ 1,534
Acquisition-date fair value of previously-held equity interest	2,002
Total	3,536
Net assets acquired	2,915
Goodwill	$ 621
Bank [Member]
ACQUISITIONS [Abstract]
Percentage of ownership interest			49.00%

Restrictions on Cash and Amou48

Restrictions on Cash and Amounts Due from Banks (Details) - USD ($) $ in Millions	Dec. 31, 2017	Dec. 31, 2016
Restrictions on Cash and Amounts Due from Banks [Abstract]
Required reserve balances	$ 0	$ 0
Amount of deposits at financial institutions in excess of cash FDIC insured amount	$ 0.5	$ 9.9

Securities Portfolio (Details)

Securities Portfolio (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2017USD ($)Security	Dec. 31, 2016USD ($)Security	Dec. 31, 2015USD ($)
Amortized cost and fair value of securities available-for-sale [Abstract]
Amortized cost	$ 158,192	$ 202,000
Gross unrealized gains	808	532
Gross unrealized losses	(1,879)	(3,167)
Fair value	157,121	199,365
Securities pledged as collateral	$ 66,600	72,900
Number of securities exceeding ten percent of stockholders' equity | Security	0
Available-for-Sale, Amortized Cost [Abstract]
Due in one year or less	$ 4,015
Due after one year through five years	23,293
Due after five years through ten years	38,197
Due after ten years	91,393
Total debt securities	156,898
Other securities without stated maturities	1,294
Total securities	158,192
Available-for-Sale, Fair Value [Abstract]
Due in one year or less	4,009
Due after one year through five years	23,126
Due after five years through ten years	37,997
Due after ten years	90,598
Total debt securities	155,730
Other securities without stated maturities	1,391
Fair Value	157,121
Information about securities sold [Abstract]
Proceeds from sales	4,480	107,647	$ 23,005
Gross realized gains	96	578	76
Gross realized losses	0	56	$ 0
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	112	3,166
More Than Twelve Months	1,767	1
Total	1,879	3,167
Securities Available-for-Sale, Fair Value [Abstract]
Less Than Twelve Months	25,170	129,682
More Than Twelve Months	79,434	100
Total	$ 104,604	$ 129,782
Securities Available-for-Sale, Number of Securities [Abstract]
Number of Securities | Security	77	98
U.S. Treasury Securities [Member]
Amortized cost and fair value of securities available-for-sale [Abstract]
Amortized cost		$ 20,000
Gross unrealized gains		0
Gross unrealized losses		0
Fair value		20,000
Obligations of US Government Agencies [Member]
Amortized cost and fair value of securities available-for-sale [Abstract]
Amortized cost	$ 9,530	9,361
Gross unrealized gains	27	0
Gross unrealized losses	(122)	(166)
Fair value	9,435	9,195
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	11	166
More Than Twelve Months	111	0
Total	122	166
Securities Available-for-Sale, Fair Value [Abstract]
Less Than Twelve Months	3,189	9,195
More Than Twelve Months	3,089	0
Total	$ 6,278	$ 9,195
Securities Available-for-Sale, Number of Securities [Abstract]
Number of Securities | Security	13	6
Obligations of State and Political Subdivisions [Member]
Amortized cost and fair value of securities available-for-sale [Abstract]
Amortized cost	$ 64,413	$ 78,645
Gross unrealized gains	489	358
Gross unrealized losses	(137)	(1,016)
Fair value	64,765	77,987
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	32	1,016
More Than Twelve Months	105	0
Total	137	1,016
Securities Available-for-Sale, Fair Value [Abstract]
Less Than Twelve Months	11,141	38,020
More Than Twelve Months	10,999	0
Total	$ 22,140	$ 38,020
Securities Available-for-Sale, Number of Securities [Abstract]
Number of Securities | Security	29	56
Mortgage-Backed Securities [Member]
Amortized cost and fair value of securities available-for-sale [Abstract]
Amortized cost	$ 75,906	$ 85,649
Gross unrealized gains	0	18
Gross unrealized losses	(1,610)	(1,973)
Fair value	74,296	83,694
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	67	1,973
More Than Twelve Months	1,543	0
Total	1,610	1,973
Securities Available-for-Sale, Fair Value [Abstract]
Less Than Twelve Months	9,742	80,680
More Than Twelve Months	64,554	0
Total	$ 74,296	$ 80,680
Securities Available-for-Sale, Number of Securities [Abstract]
Number of Securities | Security	24	23
Money Market Investments [Member]
Amortized cost and fair value of securities available-for-sale [Abstract]
Amortized cost	$ 1,194	$ 647
Gross unrealized gains	0	0
Gross unrealized losses	0	0
Fair value	1,194	647
Corporate Bonds and Other Securities [Member]
Amortized cost and fair value of securities available-for-sale [Abstract]
Amortized cost	7,049	7,598
Gross unrealized gains	195	92
Gross unrealized losses	(10)	(12)
Fair value	7,234	7,678
Securities Available-for-Sale, Gross Unrealized Losses [Abstract]
Less Than Twelve Months	2	11
More Than Twelve Months	8	1
Total	10	12
Securities Available-for-Sale, Fair Value [Abstract]
Less Than Twelve Months	1,098	1,787
More Than Twelve Months	792	100
Total	$ 1,890	$ 1,887
Securities Available-for-Sale, Number of Securities [Abstract]
Number of Securities | Security	11	13
Other Marketable Equity Securities [Member]
Amortized cost and fair value of securities available-for-sale [Abstract]
Amortized cost	$ 100	$ 100
Gross unrealized gains	97	64
Gross unrealized losses	0	0
Fair value	$ 197	$ 164

Loans and Allowance for Loan 50

Loans and Allowance for Loan Losses (Details) - USD ($) $ in Thousands		Dec. 31, 2017	Dec. 31, 2016
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans receivable		$ 738,540	$ 603,882
Less: Allowance for loan losses		(9,448)	(8,245)
Loans, net of allowance and deferred fees	[1]	729,092	595,637
Net deferred loan costs		916	522
Mortgage Loans on Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans receivable		492,720	471,524
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans receivable		101,021	94,827
Mortgage Loans on Real Estate [Member] | Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans receivable		289,682	285,429
Mortgage Loans on Real Estate [Member] | Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans receivable		27,489	23,116
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans receivable		17,918	17,128
Mortgage Loans on Real Estate [Member] | Equity Line of Credit [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans receivable		56,610	51,024
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans receivable		60,398	54,434
Commercial [Member] | Commercial and Industrial Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans receivable		60,398	54,434
Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans receivable		174,225	58,907
Consumer [Member] | Consumer Automobile Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans receivable		119,251	10,407
Consumer [Member] | Other Consumer Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans receivable		54,974	48,500
Other [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans receivable	[2]	11,197	19,017
Overdrawn deposit accounts		$ 594	$ 536
[1]	Net deferred loan costs totaled $916 thousand and $522 thousand at December 31, 2017 and December 31, 2016, respectively.
[2]	Overdrawn deposit accounts are reclassified as loans and included in the Other category in the table above. Overdrawn deposit accounts totaled $594 thousand and $536 thousand at December 31, 2017 and December 31, 2016, respectively.

Loans and Allowance for Loan 51

Loans and Allowance for Loan Losses, Credit Quality (Details) - USD ($) $ in Thousands		Dec. 31, 2017	Dec. 31, 2016
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		$ 738,540	$ 603,882
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		706,579	570,194
OAEM [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		12,500	14,567
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		19,461	19,121
Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		0	0
Mortgage Loans on Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		492,720	471,524
Mortgage Loans on Real Estate [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		463,154	442,457
Mortgage Loans on Real Estate [Member] | OAEM [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		11,031	12,289
Mortgage Loans on Real Estate [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		18,535	16,778
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		101,021	94,827
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		98,656	92,458
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | OAEM [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		0	1,138
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		2,365	1,231
Mortgage Loans on Real Estate [Member] | Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		289,682	285,429
Mortgage Loans on Real Estate [Member] | Commercial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		264,275	260,948
Mortgage Loans on Real Estate [Member] | Commercial [Member] | OAEM [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		10,526	10,014
Mortgage Loans on Real Estate [Member] | Commercial [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		14,881	14,467
Mortgage Loans on Real Estate [Member] | Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		27,489	23,116
Mortgage Loans on Real Estate [Member] | Construction [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		26,694	22,219
Mortgage Loans on Real Estate [Member] | Construction [Member] | OAEM [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		74	162
Mortgage Loans on Real Estate [Member] | Construction [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		721	735
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		17,918	17,128
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		17,211	16,445
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | OAEM [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		431	475
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		276	208
Mortgage Loans on Real Estate [Member] | Equity Line of Credit [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		56,610	51,024
Mortgage Loans on Real Estate [Member] | Equity Line of Credit [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		56,318	50,387
Mortgage Loans on Real Estate [Member] | Equity Line of Credit [Member] | OAEM [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		0	500
Mortgage Loans on Real Estate [Member] | Equity Line of Credit [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		292	137
Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		60,398	54,434
Commercial [Member] | Commercial and Industrial Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		60,398	54,434
Commercial [Member] | Commercial and Industrial Loans [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		58,091	49,979
Commercial [Member] | Commercial and Industrial Loans [Member] | OAEM [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		1,469	2,278
Commercial [Member] | Commercial and Industrial Loans [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		838	2,177
Consumer [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		174,225	58,907
Consumer [Member] | Consumer Automobile Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		119,251	10,407
Consumer [Member] | Consumer Automobile Loans [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		119,211	10,407
Consumer [Member] | Consumer Automobile Loans [Member] | OAEM [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		0	0
Consumer [Member] | Consumer Automobile Loans [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		40	0
Consumer [Member] | Other Consumer Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		54,974	48,500
Consumer [Member] | Other Consumer Loans [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		54,926	48,334
Consumer [Member] | Other Consumer Loans [Member] | OAEM [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		0	0
Consumer [Member] | Other Consumer Loans [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		48	166
Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable	[1]	11,197	19,017
Other [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		11,197	19,017
Other [Member] | OAEM [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		0	0
Other [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Gross loans receivable		$ 0	$ 0
[1]	Overdrawn deposit accounts are reclassified as loans and included in the Other category in the table above. Overdrawn deposit accounts totaled $594 thousand and $536 thousand at December 31, 2017 and December 31, 2016, respectively.

Loans and Allowance for Loan 52

Loans and Allowance for Loan Losses, Past Due (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Loans, Aging [Abstract]
Total Past Due		$ 13,096	$ 11,653
Total Current Loans	[1]	725,444	592,229
Total Loans		738,540	603,882
Recorded Investment > 90 Days Past Due and Accruing		3,182	2,884
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status		12,882	7,159
Interest income that would have been recorded under original loan terms [Abstract]
Interest income that would have been recorded under original loan terms		474	318	$ 196
Actual interest income recorded for the period		281	269	141
Reduction in interest income on non accrual loans		193	49	$ 55
30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		4,045	5,322
60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		1,618	2,559
90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		7,433	3,772
Guaranteed Student Loans [Member]
Loans, Aging [Abstract]
Total Past Due		$ 4,200	$ 4,800
Guaranteed Student Loans [Member] | Minimum [Member]
Loans, Aging [Abstract]
Percentage of student loans guaranteed by federal government		97.00%	97.00%
Guaranteed Student Loans [Member] | Maximum [Member]
Loans, Aging [Abstract]
Percentage of student loans guaranteed by federal government		98.00%	98.00%
Mortgage Loans on Real Estate [Member]
Loans, Aging [Abstract]
Total Past Due		$ 5,424	$ 6,231
Total Current Loans	[1]	487,296	465,293
Total Loans		492,720	471,524
Recorded Investment > 90 Days Past Due and Accruing		306	276
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status		12,046	6,847
Mortgage Loans on Real Estate [Member] | 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		513	3,400
Mortgage Loans on Real Estate [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		943	1,834
Mortgage Loans on Real Estate [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		3,968	997
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Loans, Aging [Abstract]
Total Past Due		1,660	1,060
Total Current Loans	[1]	99,361	93,767
Total Loans		101,021	94,827
Recorded Investment > 90 Days Past Due and Accruing		261	218
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status		1,447	598
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		229	564
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		153	0
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		1,278	496
Mortgage Loans on Real Estate [Member] | Commercial [Member]
Loans, Aging [Abstract]
Total Past Due		2,718	4,132
Total Current Loans	[1]	286,964	281,297
Total Loans		289,682	285,429
Recorded Investment > 90 Days Past Due and Accruing		0	0
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status		9,468	6,033
Mortgage Loans on Real Estate [Member] | Commercial [Member] | 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		194	2,280
Mortgage Loans on Real Estate [Member] | Commercial [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		771	1,625
Mortgage Loans on Real Estate [Member] | Commercial [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		1,753	227
Mortgage Loans on Real Estate [Member] | Construction [Member]
Loans, Aging [Abstract]
Total Past Due		721	162
Total Current Loans	[1]	26,768	22,954
Total Loans		27,489	23,116
Recorded Investment > 90 Days Past Due and Accruing		0	0
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status		721	0
Mortgage Loans on Real Estate [Member] | Construction [Member] | 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		0	162
Mortgage Loans on Real Estate [Member] | Construction [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		0	0
Mortgage Loans on Real Estate [Member] | Construction [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		721	0
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Loans, Aging [Abstract]
Total Past Due		178	388
Total Current Loans	[1]	17,740	16,740
Total Loans		17,918	17,128
Recorded Investment > 90 Days Past Due and Accruing		45	58
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status		118	129
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		15	0
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		0	200
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		163	188
Mortgage Loans on Real Estate [Member] | Equity Line of Credit [Member]
Loans, Aging [Abstract]
Total Past Due		147	489
Total Current Loans	[1]	56,463	50,535
Total Loans		56,610	51,024
Recorded Investment > 90 Days Past Due and Accruing		0	0
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status		292	87
Mortgage Loans on Real Estate [Member] | Equity Line of Credit [Member] | 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		75	394
Mortgage Loans on Real Estate [Member] | Equity Line of Credit [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		19	9
Mortgage Loans on Real Estate [Member] | Equity Line of Credit [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		53	86
Commercial [Member]
Loans, Aging [Abstract]
Total Loans		60,398	54,434
Commercial [Member] | Commercial and Industrial Loans [Member]
Loans, Aging [Abstract]
Total Past Due		1,769	91
Total Current Loans	[1]	58,629	54,343
Total Loans		60,398	54,434
Recorded Investment > 90 Days Past Due and Accruing		471	0
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status		836	231
Commercial [Member] | Commercial and Industrial Loans [Member] | 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		709	5
Commercial [Member] | Commercial and Industrial Loans [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		0	0
Commercial [Member] | Commercial and Industrial Loans [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		1,060	86
Consumer [Member]
Loans, Aging [Abstract]
Total Loans		174,225	58,907
Loans in nonaccrual status by class of loan [Abstract]
Loans in nonaccrual status		0	81
Consumer [Member] | Consumer Automobile Loans [Member]
Loans, Aging [Abstract]
Total Past Due		680	11
Total Current Loans	[1]	118,571	10,396
Total Loans		119,251	10,407
Recorded Investment > 90 Days Past Due and Accruing		41	0
Consumer [Member] | Consumer Automobile Loans [Member] | 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		517	0
Consumer [Member] | Consumer Automobile Loans [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		122	11
Consumer [Member] | Consumer Automobile Loans [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		41	0
Consumer [Member] | Other Consumer Loans [Member]
Loans, Aging [Abstract]
Total Past Due		5,126	5,262
Total Current Loans	[1]	49,848	43,238
Total Loans		54,974	48,500
Recorded Investment > 90 Days Past Due and Accruing		2,360	2,603
Consumer [Member] | Other Consumer Loans [Member] | 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		2,222	1,876
Consumer [Member] | Other Consumer Loans [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		544	702
Consumer [Member] | Other Consumer Loans [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		2,360	2,684
Other [Member]
Loans, Aging [Abstract]
Total Past Due		97	58
Total Current Loans	[1]	11,100	18,959
Total Loans	[2]	11,197	19,017
Recorded Investment > 90 Days Past Due and Accruing		4	5
Other [Member] | 30 to 59 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		84	41
Other [Member] | 60 to 89 Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		9	12
Other [Member] | 90 or More Days Past Due [Member]
Loans, Aging [Abstract]
Total Past Due		$ 4	$ 5
[1]	For purposes of this table, Total Current Loans includes loans that are 1 - 29 days past due.
[2]	Overdrawn deposit accounts are reclassified as loans and included in the Other category in the table above. Overdrawn deposit accounts totaled $594 thousand and $536 thousand at December 31, 2017 and December 31, 2016, respectively.

Loans and Allowance for Loan 53

Loans and Allowance for Loan Losses, Troubled Debt Restructuring (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2017USD ($)ModificationContract	Dec. 31, 2016USD ($)Modification
Financing Receivable, Modifications [Line Items]
Number of Modifications | Modification	4	12
Recorded Investment Prior to Modification	$ 5,274	$ 1,517
Recorded Investment After Modification	5,274	1,517
Current Investment	5,272	1,275
Outstanding commitments on TDR's	0	0
Defaulting TDR's within twelve months of restructuring	$ 0	0
Interest Rate Below Market Reduction [Member]
Financing Receivable, Modifications [Line Items]
Number of Modifications | Contract	2
Terms Not Otherwise Available [Member]
Financing Receivable, Modifications [Line Items]
Number of Modifications | Contract	2
Residential 1-4 Family [Member]
Financing Receivable, Modifications [Line Items]
Loans in process for foreclosure	$ 77	$ 10
Mortgage Loans on Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Number of Modifications | Modification		9
Recorded Investment Prior to Modification		$ 1,357
Recorded Investment After Modification		1,357
Current Investment		$ 1,131
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Financing Receivable, Modifications [Line Items]
Number of Modifications | Modification	1	6
Recorded Investment Prior to Modification	$ 142	$ 1,061
Recorded Investment After Modification	142	1,061
Current Investment	$ 140	$ 992
Mortgage Loans on Real Estate [Member] | Commercial [Member]
Financing Receivable, Modifications [Line Items]
Number of Modifications | Modification	3	1
Recorded Investment Prior to Modification	$ 5,132	$ 150
Recorded Investment After Modification	5,132	150
Current Investment	$ 5,132	$ 0
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Number of Modifications | Modification		1
Recorded Investment Prior to Modification		$ 53
Recorded Investment After Modification		53
Current Investment		$ 53
Mortgage Loans on Real Estate [Member] | Equity Line of Credit [Member]
Financing Receivable, Modifications [Line Items]
Number of Modifications | Modification		1
Recorded Investment Prior to Modification		$ 93
Recorded Investment After Modification		93
Current Investment		$ 86
Commercial [Member] | Commercial and Industrial Loans [Member]
Financing Receivable, Modifications [Line Items]
Number of Modifications | Modification		1
Recorded Investment Prior to Modification		$ 152
Recorded Investment After Modification		152
Current Investment		$ 144
Consumer [Member]
Financing Receivable, Modifications [Line Items]
Number of Modifications | Modification		2
Recorded Investment Prior to Modification		$ 8
Recorded Investment After Modification		8
Current Investment		$ 0

Loans and Allowance for Loan 54

Loans and Allowance for Loan Losses, Impaired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	$ 20,830	$ 21,079
Recorded Investment, Without Valuation Allowance	16,049	13,934
Recorded Investment, With Valuation Allowance	2,426	6,122
Associated Allowance	95	800
Average Recorded Investment	18,626	16,574
Interest Income Recognized	742	992
Mortgage Loans on Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	19,715	19,921
Recorded Investment, Without Valuation Allowance	15,213	13,853
Recorded Investment, With Valuation Allowance	2,426	5,133
Associated Allowance	95	529
Average Recorded Investment	17,197	15,679
Interest Income Recognized	712	917
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	2,873	2,496
Recorded Investment, Without Valuation Allowance	2,499	1,835
Recorded Investment, With Valuation Allowance	316	622
Associated Allowance	52	75
Average Recorded Investment	2,525	2,741
Interest Income Recognized	90	119
Mortgage Loans on Real Estate [Member] | Commercial [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	15,262	16,193
Recorded Investment, Without Valuation Allowance	11,622	11,095
Recorded Investment, With Valuation Allowance	1,644	4,274
Associated Allowance	1	415
Average Recorded Investment	13,541	11,885
Interest Income Recognized	579	727
Mortgage Loans on Real Estate [Member] | Construction [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	814	619
Recorded Investment, Without Valuation Allowance	721	528
Recorded Investment, With Valuation Allowance	92	96
Associated Allowance	18	22
Average Recorded Investment	406	496
Interest Income Recognized	23	43
Mortgage Loans on Real Estate [Member] | Second Mortgages [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	473	526
Recorded Investment, Without Valuation Allowance	318	309
Recorded Investment, With Valuation Allowance	135	141
Associated Allowance	14	17
Average Recorded Investment	464	511
Interest Income Recognized	20	25
Mortgage Loans on Real Estate [Member] | Equity Line of Credit [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	293	87
Recorded Investment, Without Valuation Allowance	53	86
Recorded Investment, With Valuation Allowance	239	0
Associated Allowance	10	0
Average Recorded Investment	261	46
Interest Income Recognized	0	3
Commercial [Member] | Commercial and Industrial Loans [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	1,115	1,077
Recorded Investment, Without Valuation Allowance	836	0
Recorded Investment, With Valuation Allowance	0	989
Associated Allowance	0	271
Average Recorded Investment	1,388	827
Interest Income Recognized	30	74
Consumer [Member]
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	0	81
Recorded Investment, Without Valuation Allowance	0	81
Recorded Investment, With Valuation Allowance	0	0
Associated Allowance	0	0
Average Recorded Investment	41	68
Interest Income Recognized	$ 0	$ 1

Loans and Allowance for Loan 55

Loans and Allowance for Loan Losses, Activity In Period (Details) $ in Thousands		3 Months Ended	6 Months Ended	12 Months Ended
		Sep. 30, 2017Period	Jun. 30, 2017USD ($)Period	Dec. 31, 2017USD ($)qtr	Dec. 31, 2016USD ($)qtr	Dec. 31, 2015USD ($)
Allowance for loan losses by segment [Roll Forward]
Beginning Balance			$ 8,245	$ 8,245	$ 7,738
Charges-offs				(3,287)	(1,770)
Recoveries				330	347
Provision for loan losses				4,160	1,930	$ 1,025
Ending balance				9,448	8,245	7,738
Ending balances individually evaluated for impairment				95	800
Ending balances collectively evaluated for impairment				9,353	7,445
Loan Balances [Abstract]
Ending balance individually evaluated for impairment				18,475	20,056
Ending balance collectively evaluated for impairment				720,065	583,826
Ending balance				$ 738,540	$ 603,882
Changes in Accounting Methodology [Abstract]
Number of migration periods | Period		8	4
Number of quarters remains on each migration period | qtr				12	12
Decrease in allowance for loan losses compared to prior methodology, change in migration periods				$ 1,200
Calculated provision based on current methodology				4,160
Calculated provision based on prior methodology				5,318
Difference				(1,158)
Commercial [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance			$ 1,493	1,493	$ 633
Charges-offs				(807)	(915)
Recoveries				37	79
Provision for loan losses				1,166	1,696
Ending balance				1,889	1,493	633
Ending balances individually evaluated for impairment				0	271
Ending balances collectively evaluated for impairment				1,889	1,222
Loan Balances [Abstract]
Ending balance individually evaluated for impairment				836	989
Ending balance collectively evaluated for impairment				59,562	53,445
Ending balance				60,398	54,434
Changes in Accounting Methodology [Abstract]
Calculated provision based on current methodology				1,166
Calculated provision based on prior methodology				1,653
Difference				(487)
Real Estate [Member]
Loan Balances [Abstract]
Ending balance				492,720	471,524
Real Estate [Member] | Construction [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance			846	846	985
Charges-offs				0	0
Recoveries				104	3
Provision for loan losses				(409)	(142)
Ending balance				541	846	985
Ending balances individually evaluated for impairment				18	22
Ending balances collectively evaluated for impairment				523	824
Loan Balances [Abstract]
Ending balance individually evaluated for impairment				813	624
Ending balance collectively evaluated for impairment				26,676	22,492
Ending balance				27,489	23,116
Changes in Accounting Methodology [Abstract]
Calculated provision based on current methodology				(409)
Calculated provision based on prior methodology				(791)
Difference				382
Real Estate [Member] | Mortgage [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance			5,267	5,267	5,628
Charges-offs				(1,934)	(504)
Recoveries				45	197
Provision for loan losses				1,839	(54)
Ending balance				5,217	5,267	5,628
Ending balances individually evaluated for impairment				77	507
Ending balances collectively evaluated for impairment				5,140	4,760
Loan Balances [Abstract]
Ending balance individually evaluated for impairment				16,826	18,362
Ending balance collectively evaluated for impairment				448,405	430,046
Ending balance				465,231	448,408
Changes in Accounting Methodology [Abstract]
Calculated provision based on current methodology				1,839
Calculated provision based on prior methodology				2,397
Difference				(558)
Consumer [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance			455	455	279
Charges-offs				(279)	(204)
Recoveries				56	28
Provision for loan losses				1,412	352
Ending balance				1,644	455	279
Ending balances individually evaluated for impairment				0	0
Ending balances collectively evaluated for impairment				1,644	455
Loan Balances [Abstract]
Ending balance individually evaluated for impairment				0	81
Ending balance collectively evaluated for impairment				174,225	58,826
Ending balance				174,225	58,907
Changes in Accounting Methodology [Abstract]
Calculated provision based on current methodology				1,412
Calculated provision based on prior methodology				1,698
Difference				(286)
Other [Member]
Allowance for loan losses by segment [Roll Forward]
Beginning Balance			$ 184	184	213
Charges-offs				(267)	(147)
Recoveries				88	40
Provision for loan losses				152	78
Ending balance				157	184	$ 213
Ending balances individually evaluated for impairment				0	0
Ending balances collectively evaluated for impairment				157	184
Loan Balances [Abstract]
Ending balance individually evaluated for impairment				0	0
Ending balance collectively evaluated for impairment				11,197	19,017
Ending balance	[1]			11,197	$ 19,017
Changes in Accounting Methodology [Abstract]
Calculated provision based on current methodology				152
Calculated provision based on prior methodology				361
Difference				$ (209)
[1]	Overdrawn deposit accounts are reclassified as loans and included in the Other category in the table above. Overdrawn deposit accounts totaled $594 thousand and $536 thousand at December 31, 2017 and December 31, 2016, respectively.

Other Real Estate Owned (OREO56

Other Real Estate Owned (OREO) (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Analysis of Balance in OREO [Roll Forward]
Balance at beginning of year		$ 2,093	$ 5,290
Transfers to OREO due to foreclosure		0	0
Other additions to foreclosed properties		0	52	$ 0
Closed branch locations transferred to OREO		0	127	0
Properties sold		(2,093)	(3,376)
Balance at end of year		0	2,093	5,290
Analysis of Valuation Allowance on OREO [Roll Forward]
Balance at beginning of year		1,026	2,549
Additions and write-downs		0	60
Reductions due to sales or increases in value		(1,026)	(1,583)
Balance at end of year		0	1,026	2,549
Expenses applicable to OREOs [Abstract]
Net loss (gain) on sales of real estate		(18)	94	(54)
Provision for losses (net write-downs)		0	60	1,011
Operating expenses, net of income	[1]	10	160	219
Total Expenses		$ (8)	$ 314	$ 1,176
[1]	Included in other operating income and other operating expense on the Consolidated Statements of Income.

Premises and Equipment (Details

Premises and Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	$ 66,280	$ 65,668
Less accumulated depreciation and amortization	29,083	26,344
Premises and equipment, net	37,197	39,324
Depreciation expense	2,742	2,725	$ 2,543
Minimum rental commitment due under noncancellable leases [Abstract]
2,018	178
2,019	156
2,020	79
Total	413
Rental expense of premises and equipment	345	239	$ 270
Land [Member]
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	7,663	7,663
Buildings [Member]
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	37,944	37,890
Construction in Progress [Member]
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	137	43
Leasehold Improvements [Member]
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	861	852
Furniture, Fixtures and Equipment [Member]
Premises and equipment consisted of [Abstract]
Premises and equipment, gross	$ 19,675	$ 19,220

Low-Income Housing Tax Credit58

Low-Income Housing Tax Credits (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2017USD ($)Fund	Dec. 31, 2016USD ($)Fund	Dec. 31, 2015USD ($)
Low-Income Housing Tax Credits [Abstract]
Number of housing equity funds | Fund	4	4
Low-income housing investment	$ 3,500	$ 3,900
Additional committed capital calls expected	1,100	2,500
Amortization expense	340	300	$ 219
Tax credits and other tax benefits [Abstract]
Tax credits received	412	384	(291)
Tax benefit from losses	116	102	74
Total tax benefit	$ 528	$ 486	$ 365

Deposits (Details)

Deposits (Details)	12 Months Ended
	Dec. 31, 2017USD ($)Customer	Dec. 31, 2016USD ($)
Deposits [Abstract]
Time deposits threshold	$ 250,000
Aggregate amount of time deposits in denominations of $250 thousand or more	$ 39,900	$ 38,100
Number of single customer relationships that exceeded deposit limit | Customer	0
Percentage of total deposits	5.00%
Maturities of time deposits [Abstract]
2,018	$ 80,198,000
2,019	36,737,000
2,020	52,384,000
2,021	24,485,000
2,022	19,021,000
Total	$ 212,825,000	$ 211,409,000

Short Term and Long Term Borr60

Short Term and Long Term Borrowings (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016
Short-Term Borrowings [Abstract]
Available fed funds lines	$ 45,000	$ 55,000
Available credit with FHLB	217,000	270,000
Federal Funds Purchased and Securities Sold under Agreements to Repurchase [Abstract]
Federal funds purchased	10,000	0
Overnight repurchase agreements	20,693	18,704
Federal Home Loan Bank advances	47,500	0
Total short-term borrowings	78,193	18,704
Maximum month-end outstanding balance	79,819	68,864
Average outstanding balance during the period	$ 53,165	$ 39,364
Average interest rate during the period	0.72%	0.59%
Average interest rate at end of period	1.27%	0.10%
Federal Home Loan Bank, Advances [Line Items]
Advance Amount	$ 20,000
Long-term borrowings		$ 0
Maximum [Member]
Federal Home Loan Bank, Advances [Line Items]
Overnight repurchase agreements maturity period	4 days
Minimum [Member]
Federal Home Loan Bank, Advances [Line Items]
Overnight repurchase agreements maturity period	1 day
1.54% Fixed Rate Hybrid [Member]
Federal Home Loan Bank, Advances [Line Items]
Interest Rate	1.54%
Maturity Date	Feb. 28, 2019
Advance Amount	$ 10,000
1.90% Fixed Rate Hybrid [Member]
Federal Home Loan Bank, Advances [Line Items]
Interest Rate	1.90%
Maturity Date	Nov. 15, 2019
Advance Amount	$ 10,000

Share-Based Compensation (Detai

Share-Based Compensation (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016
Aggregate Intrinsic Value [Abstract]
Proceeds from stock options exercised	$ 1,165	$ 25
Weighted Average Grant Date Fair Value [Abstract]
Stock-based compensation expense	$ 17	$ 0
Restricted Stock [Member]
Shares [Roll Forward]
Nonvested balance at beginning of period (in shares)	0
Issued (in shares)	2,245
Vested (in shares)	0
Forfeited (in shares)	0
Nonvested balance at end of period (in shares)	2,245	0
Weighted Average Grant Date Fair Value [Abstract]
Non-vested balance at beginning of period (in dollars per share)	$ 0
Issued (in dollars per share)	33.60
Vested (in dollars per share)	0
Forfeited (in dollars per share)	0
Non-vested balance at end of period (in dollars per share)	$ 33.60	$ 0
Weighted-average remaining vesting period for recognition	2 years
Fair value of restricted stock granted	$ 75
Unrecognized stock-based compensation expense	$ 58
1998 Stock Option Plan [Member] | Stock Options [Member]
Shares [Roll Forward]
Options outstanding, beginning of period (in shares)	60,605
Granted (in shares)	0	0
Exercised (in shares)	(58,105)
Canceled or expired (in shares)	(2,500)
Options outstanding, end of period (in shares)	0	60,605
Options exercisable, end of period (in shares)	0
Weighted Average Exercise Price [Roll Forward]
Options outstanding, beginning of period (in dollars per share)	$ 20.05
Granted (in dollars per share)	0
Exercised (in dollars per share)	20.05
Canceled or expired (in dollars per share)	20.05
Options outstanding, end of period (in dollars per share)	0	$ 20.05
Options exercisable, end of period (in dollars per share)	$ 0
Weighted Average Remaining Contractual Life (in years) [Abstract]
Options outstanding, end of period	0 years
Options exercisable, end of period	0 years
Aggregate Intrinsic Value [Abstract]
Options outstanding, end of period	$ 0
Options exercisable, end of period	0
Proceeds from stock options exercised	1,300	$ 25
Unrecognized compensation expense related to nonvested options	$ 0	$ 0
2016 Stock Incentive Plan [Member]
Aggregate Intrinsic Value [Abstract]
Shares available for grant (in shares)	300,000
ESPP [Member]
Weighted Average Grant Date Fair Value [Abstract]
Discount from market price at date of purchase		5.00%
Total stock purchases under the plan (in shares)	3,548	999
Shares reserved for issuance (in shares)	245,453
ESPP [Member] | Minimum [Member]
Weighted Average Grant Date Fair Value [Abstract]
Discount from market price at date of purchase	0.00%
ESPP [Member] | Maximum [Member]
Weighted Average Grant Date Fair Value [Abstract]
Discount from market price at date of purchase	15.00%

Stockholders' Equity and Earn62

Stockholders' Equity and Earnings per Common Share, Amounts Reclassified Out of Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Available-for-sale securities [Abstract]
Realized gains (losses) on sales of securities		$ 96	$ 522	$ 76
Tax effect		33	177	26
Total		63	345	50
Defined-benefit pension plan [Abstract]
Amortization of actuarial loss	[1]	(490)	(504)	(390)
Tax effect		(167)	(171)	(133)
Total		(323)	(333)	(257)
Total reclassifications for the period		$ (260)	$ 12	$ (207)
[1]	(1) This accumulated other comprehensive loss component is included in the computation of net periodic pension cost (see Note 14. Pension Plan and 401(k) Plan for additional details).

Stockholders' Equity and Earn63

Stockholders' Equity and Earnings per Common Share, Changes in Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2017		Dec. 31, 2016	Dec. 31, 2015
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance		$ 93,990		$ 93,176	$ 88,497
Ending Balance		96,388		93,990	93,176
Other comprehensive income, pretax [Abstract]
Unrealized holding gains (losses) arising during the period, pretax		1,659		(1,240)	(679)
Reclassification adjustment for gains (loss) recognized in income, pretax		(96)		(522)	(76)
Net unrealized gains (losses) on securities		1,563		(1,762)	(755)
Elimination upon transfer back to available-for-sale, pretax					4,197
Amortization, pretax					934
Net change, pretax					5,131
Plan termination, settlement and net amortization, pretax		3,741
Net actuarial income (loss) for the period, pretax		(99)		(327)	(627)
Amortization of actuarial gain (loss) from prior period, pretax	[1]	490		504	390
Net change, pretax		3,741		177	(237)
Total change in accumulated other comprehensive income or (loss), pretax		5,304		(1,585)	4,139
Other Comprehensive Income Tax Effect [Abstract]
Unrealized holding gains (losses) arising during the period, tax effect		564		(422)	(231)
Reclassification adjustment for gains (losses) recognized in income, tax effect		(33)		(177)	(26)
Net unrealized losses on securities, tax effect		531		(599)	(257)
Elimination upon transfer back to available-for-sale, tax effect					1,427
Amortization, tax effect					318
Net change, tax effect					1,745
Plan termination, settlement and net amortization, tax effect		1,272
Net actuarial loss for the period, tax effect				(111)	(213)
Amortization of actuarial gain (loss) from prior period, tax effect		167		171	133
Net change, tax effect				60	(80)
Total change in other comprehensive income or (loss), tax effect		1,803		(539)	1,408
Other Comprehensive Income, Net of Tax [Abstract]
Unrealized holding gains (losses) arising during the period, net of tax		1,095		(818)	(448)
Reclassification adjustment for gains (losses) recognized in income, net of tax		(63)		(345)	(50)
Net unrealized losses on securities, net of tax		1,032		(1,163)	(498)
Elimination upon transfer back to available-for-sale, net of tax					2,770
Amortization, net of tax					616
Net change, net of tax		0		0	3,386
Plan termination, settlement and net amortization, net of tax		2,469
Net actuarial loss for the period, net of tax				(216)	(414)
Amortization of actuarial gain (loss) from prior period, net of tax		323		333	257
Net change, net of tax		2,469		117	(157)
Total change in other comprehensive income or (loss), net of tax		3,501		(1,046)	2,731
Unrealized Gains (Losses) on Available-for-Sale Securities [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance		(1,739)		(576)	(78)
Net change for the year		1,032		(1,163)	(498)
Ending Balance		(707)		(1,739)	(576)
Unrealized Losses on Securities Transferred from Available-for-Sale to Held-to-Maturity [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance		0		0	(3,386)
Net change for the year		0		0	3,386	[2]
Ending Balance		0		0	0
Defined Benefit Pension Plans [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance		(2,469)		(2,586)	(2,429)
Net change for the year		2,469	[3]	117	(157)
Ending Balance		0		(2,469)	(2,586)
Accumulated Other Comprehensive Income (Loss) [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance		(4,208)		(3,162)	(5,893)
Net change for the year		3,501		(1,046)	2,731
Ending Balance		(707)		(4,208)	(3,162)
Other Comprehensive Income, Net of Tax [Abstract]
Total change in other comprehensive income or (loss), net of tax		$ 3,501		$ (1,046)	$ 2,731
[1]	(1) This accumulated other comprehensive loss component is included in the computation of net periodic pension cost (see Note 14. Pension Plan and 401(k) Plan for additional details).
[2]	Net change for the year ended December 31, 2015 represents reclassification due to the transfer of securities held-to-maturity to available-for-sale
[3]	Net change reflects termination and settlement of pension plan during year ended December 31, 2017

Stockholders' Equity and Earn64

Stockholders' Equity and Earnings per Common Share, OCI by Component, Anti-Dilutive Securities (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Computation of earnings per share [Abstract]
Net Income Available to Common Shareholders, Basic	$ (29)	$ 3,797	$ 3,634
Net Income Available to Common Stockholders, Diluted	$ (29)	$ 3,797	$ 3,634
Weighted Average Common Shares, Basic (in shares)	4,991,060	4,959,173	4,959,009
Potentially dilutive common shares - stock options (in shares)	0	2,000	0
Potentially dilutive common shares - employee stock purchase program (in shares)	0	0	0
Weighted Average Common Shares, Diluted (in shares)	4,991,060	4,960,934	4,959,009
Earnings Per Share, Basic (in dollars per share)	$ (0.01)	$ 0.77	$ 0.73
Earnings Per Share, Diluted (in dollars per share)	$ (0.01)	$ 0.77	$ 0.73
Stock Options [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities excluded from computation of earnings per share (in shares)	0	52,000	76,000

Related Party Transactions (Det

Related Party Transactions (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016
Related Party Transactions [Abstract]
Direct or indirect loans to principal shareholders, executive officers or directors, maximum	10.00%
Schedule of Annual activity [Roll Forward]
Balance, beginning of year	$ 4,354	$ 4,429
Additions	351	110
Reductions	(418)	(185)
Balance, end of year	4,287	4,354
Deposits from related parties	$ 12,500	$ 13,800

Income Taxes (Details)

Income Taxes (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Components of income tax expense [Abstract]
Current income tax expense			$ 20	$ 179	$ 281
Deferred income tax benefit			(117)	(19)	(227)
Reported income tax expense (benefit)			(97)	160	54
Reconciliation of "expected" Federal income tax expense [Abstract]
Expected tax expense (34%)			(43)	1,345	1,254
Interest expense on tax-exempt assets			23	15	22
Low-income housing tax credits			(412)	(384)	(274)
Tax-exempt interest			(628)	(608)	(654)
Bank-owned life insurance			(263)	(270)	(301)
Impact of Tax Act			1,221	0	0
Other, net			5	62	7
Reported income tax expense (benefit)			$ (97)	$ 160	$ 54
Income Tax Disclosure [Line Items]
Expected tax expense rate			34.00%	34.00%	34.00%
Effective tax rate			77.00%	4.00%	1.50%
Additional income tax expense due to change in tax rate	$ 1,200
Deferred tax assets [Abstract]
Allowance for loan losses	1,984		$ 1,984	$ 2,803
Interest on nonaccrual loans	82		82	71
Other real estate owned	0		0	349
Pension - other comprehensive income	0		0	1,272
Bank owned life insurance benefit	55		55	94
Charitable contributions carried forward	2		2	1
Net unrealized loss on securities available-for-sale	225		225	896
Unexercised nonqualified options	0		0	36
Alternative minimum tax	1,344		1,344	1,019
Deferred benefits and compensation	139		139	256
Other	179		179	89
Total	4,010		4,010	6,886
Deferred tax liabilities [Abstract]
Depreciation	(404)		(404)	(822)
Accretion of discounts on securities	0		0	(1)
Deferred loan fees and costs	(295)		(295)	(325)
Pension	0		0	(740)
Total	(699)		(699)	(1,888)
Net deferred tax assets	$ 3,311		$ 3,311	$ 4,998
Maximum [Member]
Income Tax Disclosure [Line Items]
Expected tax expense rate			35.00%
Plan [Member]
Income Tax Disclosure [Line Items]
Expected tax expense rate		21.00%

Pension Plan and 401(k) Plan (D

Pension Plan and 401(k) Plan (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2017	Dec. 31, 2016
Defined Benefit Plan Disclosure [Line Items]
Nonrecurring pretax termination charge		$ 3,350	$ 0	$ 0
Change in benefit obligation [Roll Forward]
Benefit obligation at beginning of year		7,062	7,039
Service cost		0	0
Interest cost		268	279	260
Benefits paid		(6,977)	(461)
Actuarial (gain) loss		(353)	205
Benefit obligation at end of year		0	7,062	7,039
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		5,499	5,691
Actual return on plan assets		(76)	269
Employer contribution		1,554	0
Benefits paid		(6,977)	(461)
Fair value of plan assets at end of year		0	5,499	5,691
Funded Status at end of year		0	(1,563)
Amounts recognized in the consolidated balance sheets [Abstract]
Accrued pension liability					$ 0	$ (1,563)
Amounts recognized in accumulated other comprehensive (income) loss [Abstract]
Loss		0	3,741
Deferred taxes		0	(1,272)
Net loss		$ 0	$ 2,469
Accumulated benefit obligation					$ 0	$ 7,062
Assumptions used to determine the benefit obligations at December 31 [Abstract]
Discount rate					0.00%	3.86%
Weighted-average assumptions used to determine net periodic pension cost [Abstract]
Discount rate		3.86%	4.03%
Expected long-term rate of return on plan assets		7.00%	7.00%
Components of net periodic pension cost [Abstract]
Interest cost		$ 268	$ 279	260
Expected return on plan assets		(376)	(391)	(376)
Amortization of unrecognized loss	[1]	490	504	390
Preliminary net periodic pension cost		382	392	274
Settlement/curtailment expense		3,350	0	0
Net periodic pension plan cost		3,732	392	274
Components of other amounts recognized in other comprehensive income (loss) [Abstract]
Net actuarial (gain) loss		99	327	627
Settlement loss		(3,350)	0	0
Amortization of actuarial loss	[1]	(490)	(504)	(390)
Total recognized in other comprehensive income (loss)		(3,741)	(177)	237
Total recognized in net periodic benefit cost and other comprehensive income (loss)		(9)	215	511
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		5,499	5,499	5,691	$ 0	$ 5,499
Defined Benefit Plan, Assets, Target Allocations [Abstract]
Contributions		$ 1,554	0
401(K) PLAN [Abstract]
Employer matching contribution		100.00%
Employee contribution		4.00%
Profit sharing contributions vesting period		6 years
Profit sharing contributions		$ 536	523	$ 519
Money Market Funds [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		2,839
Fair value of plan assets at end of year			2,839
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		2,839	2,839			2,839
Mutual Funds [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		0
Fair value of plan assets at end of year			0
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		0	0			0
Common Stock [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		1,129
Fair value of plan assets at end of year			1,129
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		1,129	1,129			1,129
Corporate Bonds [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		1,472
Fair value of plan assets at end of year			1,472
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		1,472	1,472			1,472
Partnership Investment [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		59
Fair value of plan assets at end of year			59
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		59	59			59
Level 1 [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		3,968
Fair value of plan assets at end of year			3,968
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		3,968	3,968			3,968
Level 1 [Member] | Money Market Funds [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		2,839
Fair value of plan assets at end of year			2,839
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		2,839	2,839			2,839
Level 1 [Member] | Mutual Funds [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		0
Fair value of plan assets at end of year			0
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		0	0			0
Level 1 [Member] | Common Stock [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		1,129
Fair value of plan assets at end of year			1,129
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		1,129	1,129			1,129
Level 1 [Member] | Corporate Bonds [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		0
Fair value of plan assets at end of year			0
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		0	0			0
Level 1 [Member] | Partnership Investment [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		0
Fair value of plan assets at end of year			0
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		0	0			0
Level 2 [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		1,531
Fair value of plan assets at end of year			1,531
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		1,531	1,531			1,531
Level 2 [Member] | Money Market Funds [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		0
Fair value of plan assets at end of year			0
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		0	0			0
Level 2 [Member] | Mutual Funds [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		0
Fair value of plan assets at end of year			0
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		0	0			0
Level 2 [Member] | Common Stock [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		0
Fair value of plan assets at end of year			0
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		0	0			0
Level 2 [Member] | Corporate Bonds [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		1,472
Fair value of plan assets at end of year			1,472
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		1,472	1,472			1,472
Level 2 [Member] | Partnership Investment [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		59
Fair value of plan assets at end of year			59
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		59	59			59
Level 3 [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		0
Fair value of plan assets at end of year			0
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		0	0			0
Level 3 [Member] | Money Market Funds [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		0
Fair value of plan assets at end of year			0
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		0	0			0
Level 3 [Member] | Mutual Funds [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		0
Fair value of plan assets at end of year			0
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		0	0			0
Level 3 [Member] | Common Stock [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		0
Fair value of plan assets at end of year			0
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		0	0			0
Level 3 [Member] | Corporate Bonds [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		0
Fair value of plan assets at end of year			0
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		0	0			0
Level 3 [Member] | Partnership Investment [Member]
Change in plan assets [Roll Forward]
Fair value of plan assets at beginning of year		0
Fair value of plan assets at end of year			0
Fair value of pension plan assets by asset category [Abstract]
Fair Value of pension plan assets		$ 0	$ 0			$ 0
[1]	(1) This accumulated other comprehensive loss component is included in the computation of net periodic pension cost (see Note 14. Pension Plan and 401(k) Plan for additional details).

Commitments and Contingencies68

Commitments and Contingencies (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Commitments to extend credit	$ 144,113	$ 145,157
Home Equity Lines of Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Commitments to extend credit	56,486	47,243
Commercial Real Estate, Construction and Development Loans Committed but not Funded [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Commitments to extend credit	19,526	15,948
Other Lines of Credit (Principally Commercial) [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Commitments to extend credit	68,101	81,966
Letters of Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Commitments to extend credit	$ 3,331	$ 3,597

Fair Value Measurements, Recurr

Fair Value Measurements, Recurring and Nonrecurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	$ 157,121	$ 199,365
Loans, net of allowances for loan losses	729,092	595,637
Loans held for sale	779
US Treasury Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale		20,000
Obligations of US Government Agencies [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	9,435	9,195
Obligations of State and Political Subdivisions [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	64,765	77,987
Mortgage-Backed Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	74,296	83,694
Money Market Investments [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	1,194	647
Other Marketable Equity Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	197	164
Recurring [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	157,121	199,365
Recurring [Member] | US Treasury Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale		20,000
Recurring [Member] | Obligations of US Government Agencies [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	9,435	9,195
Recurring [Member] | Obligations of State and Political Subdivisions [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	64,765	77,987
Recurring [Member] | Mortgage-Backed Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	74,296	83,694
Recurring [Member] | Money Market Investments [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	1,194	647
Recurring [Member] | Corporate Bonds [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	7,234	7,678
Recurring [Member] | Other Marketable Equity Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	197	164
Nonrecurring [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	567	2,675
Loans held for sale	779
Other assets, fair value disclosure		940
Nonrecurring [Member] | Mortgage Loans on Real Estate [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses		1,957
Nonrecurring [Member] | Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	264	400
Nonrecurring [Member] | Mortgage Loans on Real Estate [Member] | Commercial [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses		1,483
Nonrecurring [Member] | Mortgage Loans on Real Estate [Member] | Construction [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	74	74
Nonrecurring [Member] | Mortgage Loans on Real Estate [Member] | Equity Line of Credit [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	229
Nonrecurring [Member] | Commercial [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses		718
Nonrecurring [Member] | Other Real Estate [Member] | Construction [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Other assets, fair value disclosure		940
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	0	0
Loans, net of allowances for loan losses	0	0
Loans held for sale	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | US Treasury Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale		0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Obligations of US Government Agencies [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Obligations of State and Political Subdivisions [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Mortgage-Backed Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Money Market Investments [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Corporate Bonds [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Recurring [Member] | Other Marketable Equity Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Nonrecurring [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	0	0
Loans held for sale	0
Other assets, fair value disclosure		0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Nonrecurring [Member] | Mortgage Loans on Real Estate [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses		0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Nonrecurring [Member] | Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Nonrecurring [Member] | Mortgage Loans on Real Estate [Member] | Commercial [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses		0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Nonrecurring [Member] | Mortgage Loans on Real Estate [Member] | Construction [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Nonrecurring [Member] | Mortgage Loans on Real Estate [Member] | Equity Line of Credit [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Nonrecurring [Member] | Commercial [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses		0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Nonrecurring [Member] | Other Real Estate [Member] | Construction [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Other assets, fair value disclosure		0
Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	157,121	199,365
Loans, net of allowances for loan losses	0	0
Loans held for sale	779
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	157,121	199,365
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | US Treasury Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale		20,000
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Obligations of US Government Agencies [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	9,435	9,195
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Obligations of State and Political Subdivisions [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	64,765	77,987
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Mortgage-Backed Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	74,296	83,694
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Money Market Investments [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	1,194	647
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Corporate Bonds [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	7,234	7,678
Significant Other Observable Inputs (Level 2) [Member] | Recurring [Member] | Other Marketable Equity Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	197	164
Significant Other Observable Inputs (Level 2) [Member] | Nonrecurring [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	0	0
Loans held for sale	779
Other assets, fair value disclosure		0
Significant Other Observable Inputs (Level 2) [Member] | Nonrecurring [Member] | Mortgage Loans on Real Estate [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses		0
Significant Other Observable Inputs (Level 2) [Member] | Nonrecurring [Member] | Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	0	0
Significant Other Observable Inputs (Level 2) [Member] | Nonrecurring [Member] | Mortgage Loans on Real Estate [Member] | Commercial [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses		0
Significant Other Observable Inputs (Level 2) [Member] | Nonrecurring [Member] | Mortgage Loans on Real Estate [Member] | Construction [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	0	0
Significant Other Observable Inputs (Level 2) [Member] | Nonrecurring [Member] | Mortgage Loans on Real Estate [Member] | Equity Line of Credit [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	0
Significant Other Observable Inputs (Level 2) [Member] | Nonrecurring [Member] | Commercial [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses		0
Significant Other Observable Inputs (Level 2) [Member] | Nonrecurring [Member] | Other Real Estate [Member] | Construction [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Other assets, fair value disclosure		0
Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	0	0
Loans, net of allowances for loan losses	722,464	594,190
Loans held for sale	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | US Treasury Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale		0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Obligations of US Government Agencies [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Obligations of State and Political Subdivisions [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Mortgage-Backed Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Money Market Investments [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Corporate Bonds [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Recurring [Member] | Other Marketable Equity Securities [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) [Member] | Nonrecurring [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	567	1,957
Loans held for sale	0
Other assets, fair value disclosure		940
Significant Unobservable Inputs (Level 3) [Member] | Nonrecurring [Member] | Mortgage Loans on Real Estate [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses		1,957
Significant Unobservable Inputs (Level 3) [Member] | Nonrecurring [Member] | Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	264	400
Significant Unobservable Inputs (Level 3) [Member] | Nonrecurring [Member] | Mortgage Loans on Real Estate [Member] | Commercial [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses		1,483
Significant Unobservable Inputs (Level 3) [Member] | Nonrecurring [Member] | Mortgage Loans on Real Estate [Member] | Construction [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	74	74
Significant Unobservable Inputs (Level 3) [Member] | Nonrecurring [Member] | Mortgage Loans on Real Estate [Member] | Equity Line of Credit [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses	$ 229
Significant Unobservable Inputs (Level 3) [Member] | Nonrecurring [Member] | Commercial [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Loans, net of allowances for loan losses		718
Significant Unobservable Inputs (Level 3) [Member] | Nonrecurring [Member] | Other Real Estate [Member] | Construction [Member]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis, Alternative [Abstract]
Other assets, fair value disclosure		$ 940

Fair Value Measurements, Quanti

Fair Value Measurements, Quantitative Information (Details) - Market Comparables [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016
Residential 1-4 Family [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value	$ 264	$ 400
Residential 1-4 Family [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Liquidation Discount	0.00%
Residential 1-4 Family [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Liquidation Discount	4.00%
Residential 1-4 Family [Member] | Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs	7.25%	7.25%
Liquidation Discount	2.91%	4.00%
Commercial [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value		$ 1,483
Commercial [Member] | Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs		7.25%
Liquidation Discount		4.00%
Commercial Loan [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value		$ 718
Commercial Loan [Member] | Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Liquidation Discount		0.00%
Commercial Loan [Member] | Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Liquidation Discount		38.58%
Commercial Loan [Member] | Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs		0.00%
Liquidation Discount		32.40%
Construction [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value	$ 74	$ 74
Construction [Member] | Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs	7.25%	7.25%
Liquidation Discount	4.00%	4.00%
Equity Line of Credit [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value	$ 229
Equity Line of Credit [Member] | Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs	7.25%
Liquidation Discount	4.00%
Other Real Estate [Member] | Construction [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value		$ 940
Other Real Estate [Member] | Construction [Member] | Average [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Selling costs		7.25%
Liquidation Discount		0.00%

Fair Value Measurements, Estima

Fair Value Measurements, Estimated Fair Value and Related Carrying or Notional Amounts (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Assets [Abstract]
Cash and cash equivalents	$ 14,412	$ 25,854
Securities available-for-sale	157,121	199,365
Restricted securities	3,846	970
Loans held for sale	779
Loans, net of allowances for loan losses	729,092	595,637
Bank owned life insurance	25,981	25,206
Accrued interest receivable	3,254	3,189
Liabilities [Abstract]
Deposits	783,594	784,502
Federal funds purchased	10,000
Overnight repurchase agreements	20,693	18,704
Federal Home Loan Bank advances	67,500
Accrued interest payable	360	228
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Cash and cash equivalents	14,412	25,854
Securities available-for-sale	0	0
Restricted securities	0	0
Loans held for sale	0
Loans, net of allowances for loan losses	0	0
Bank owned life insurance	0	0
Accrued interest receivable	0	0
Liabilities [Abstract]
Deposits	0	0
Federal funds purchased	0
Overnight repurchase agreements	0	0
Federal Home Loan Bank advances	0
Accrued interest payable	0	0
Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Cash and cash equivalents	0	0
Securities available-for-sale	157,121	199,365
Restricted securities	3,846	970
Loans held for sale	779
Loans, net of allowances for loan losses	0	0
Bank owned life insurance	25,981	25,206
Accrued interest receivable	3,254	3,189
Liabilities [Abstract]
Deposits	782,539	783,450
Federal funds purchased	10,000
Overnight repurchase agreements	20,693	18,704
Federal Home Loan Bank advances	67,329
Accrued interest payable	360	228
Significant Unobservable Inputs (Level 3) [Member]
Assets [Abstract]
Cash and cash equivalents	0	0
Securities available-for-sale	0	0
Restricted securities	0	0
Loans held for sale	0
Loans, net of allowances for loan losses	722,464	594,190
Bank owned life insurance	0	0
Accrued interest receivable	0	0
Liabilities [Abstract]
Deposits	0	0
Federal funds purchased	0
Overnight repurchase agreements	0	0
Federal Home Loan Bank advances	0
Accrued interest payable	$ 0	$ 0

Regulatory Matters (Details)

Regulatory Matters (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Total Capital to Risk Weighted Assets, Amount [Abstract]
Capital Amount	$ 106,029	$ 106,443
Minimum Capital Requirement	$ 69,055	$ 58,678
Total Capital to Risk Weighted Assets, Ratio [Abstract]
Capital Ratio	12.28%	14.51%
Minimum Capital Requirement	8.00%	8.00%
Tier 1 Capital to Risk Weighted Assets, Amount [Abstract]
Capital Amount	$ 96,474	$ 98,198
Minimum Capital Requirement	$ 51,791	$ 44,009
Tier 1 Capital to Risk Weighted Assets, Ratio [Abstract]
Capital Ratio	11.18%	13.39%
Minimum Capital Requirement	6.00%	6.00%
Common Equity Tier 1 Capital to Risk Weighted Assets, Amount [Abstract]
Capital Amount	$ 96,474	$ 98,198
Common Equity Tier One Capital Required for Capital Adequacy	$ 38,843	$ 33,007
Common Equity Tier 1 Capital to Risk Weighted Assets, Ratio [Abstract]
Capital Ratio	11.18%	13.39%
Minimum Capital Requirement	4.50%	4.50%
Tier 1 Capital to Average Assets, Amount [Abstract]
Capital Amount	$ 96,474	$ 98,198
Minimum Capital Requirement	$ 38,686	$ 36,768
Tier 1 Capital to Average Assets, Ratio [Abstract]
Capital Ratio	9.98%	10.68%
Minimum Capital Requirement	4.00%	4.00%
Amount available for dividend distribution without prior approval from regulatory agency	$ 388
Old Point National Bank [Member]
Total Capital to Risk Weighted Assets, Amount [Abstract]
Capital Amount	97,194	$ 98,237
Minimum Capital Requirement	68,803	58,350
Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions	$ 86,004	$ 72,938
Total Capital to Risk Weighted Assets, Ratio [Abstract]
Capital Ratio	11.30%	13.47%
Minimum Capital Requirement	8.00%	8.00%
Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions	10.00%	10.00%
Tier 1 Capital to Risk Weighted Assets, Amount [Abstract]
Capital Amount	$ 87,639	$ 89,992
Minimum Capital Requirement	51,602	43,763
Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions	$ 68,803	$ 58,350
Tier 1 Capital to Risk Weighted Assets, Ratio [Abstract]
Capital Ratio	10.19%	12.34%
Minimum Capital Requirement	6.00%	6.00%
Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions	8.00%	8.00%
Common Equity Tier 1 Capital to Risk Weighted Assets, Amount [Abstract]
Capital Amount	$ 87,639	$ 89,992
Common Equity Tier One Capital Required for Capital Adequacy	38,702	32,822
Common Equity Tier One Capital Required to be Well Capitalized	$ 55,902	$ 47,410
Common Equity Tier 1 Capital to Risk Weighted Assets, Ratio [Abstract]
Capital Ratio	10.19%	12.34%
Minimum Capital Requirement	4.50%	4.50%
Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions	6.50%	6.50%
Tier 1 Capital to Average Assets, Amount [Abstract]
Capital Amount	$ 87,639	$ 89,992
Minimum Capital Requirement	38,575	36,549
Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions	$ 48,218	$ 45,686
Tier 1 Capital to Average Assets, Ratio [Abstract]
Capital Ratio	9.09%	9.85%
Minimum Capital Requirement	4.00%	4.00%
Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions	5.00%	5.00%

Segment Reporting (Details)

Segment Reporting (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2017USD ($)SegmentArea	Dec. 31, 2016USD ($)	Dec. 31, 2015USD ($)
Revenues [Abstract]
Interest and dividend income	$ 32,934	$ 29,826	$ 30,295
Fiduciary and asset management fees	3,786	3,560	3,617
Other income	10,272	9,906	9,519
Total operating income	46,992	43,292	43,431
Expenses [Abstract]
Interest expense	3,012	2,574	3,632
Provision for loan losses	4,160	1,930	1,025
Salaries and employee benefits	24,213	19,878	20,747
Other expenses	15,733	14,953	14,339
Total operating expenses	47,118	39,335	39,743
Income (loss) before income taxes	(126)	3,957	3,688
Income tax expense (benefit)	(97)	160	54
Net income (loss)	(29)	3,797	3,634
Capital expenditures	619	891	1,756
Total assets	$ 981,826	902,966	896,787
Number of principal business segments | Segment	3
Number of geographical areas in which an entity operates | Area	1
Revenue benchmark no single customer equals or exceeds	10.00%
Operating Segments [Member] | Bank [Member]
Revenues [Abstract]
Interest and dividend income	$ 32,861	29,765	30,242
Fiduciary and asset management fees	0	0	0
Other income	9,389	9,058	8,548
Total operating income	42,250	38,823	38,790
Expenses [Abstract]
Interest expense	3,010	2,574	3,633
Provision for loan losses	4,160	1,930	1,025
Salaries and employee benefits	20,968	16,801	17,630
Other expenses	14,109	13,179	13,254
Total operating expenses	42,247	34,484	35,542
Income (loss) before income taxes	3	4,339	3,248
Income tax expense (benefit)	(65)	288	(96)
Net income (loss)	68	4,051	3,344
Capital expenditures	613	887	1,682
Total assets	975,991	897,966	891,877
Operating Segments [Member] | Trust [Member]
Revenues [Abstract]
Interest and dividend income	71	61	54
Fiduciary and asset management fees	3,786	3,560	3,617
Other income	944	910	1,032
Total operating income	4,801	4,531	4,703
Expenses [Abstract]
Interest expense	0	0	0
Provision for loan losses	0	0	0
Salaries and employee benefits	2,800	2,671	2,685
Other expenses	1,075	1,041	1,010
Total operating expenses	3,875	3,712	3,695
Income (loss) before income taxes	926	819	1,008
Income tax expense (benefit)	328	280	343
Net income (loss)	598	539	665
Capital expenditures	6	4	74
Total assets	6,126	5,761	5,694
Operating Segments [Member] | Unconsolidated Parent [Member]
Revenues [Abstract]
Interest and dividend income	667	4,590	4,009
Fiduciary and asset management fees	0	0	0
Other income	200	200	200
Total operating income	867	4,790	4,209
Expenses [Abstract]
Interest expense	0	0	0
Provision for loan losses	0	0	0
Salaries and employee benefits	445	406	432
Other expenses	811	995	336
Total operating expenses	1,256	1,401	768
Income (loss) before income taxes	(389)	3,389	3,441
Income tax expense (benefit)	(360)	(408)	(193)
Net income (loss)	(29)	3,797	3,634
Capital expenditures	0	0	0
Total assets	96,406	93,998	93,191
Eliminations [Member]
Revenues [Abstract]
Interest and dividend income	(665)	(4,590)	(4,010)
Fiduciary and asset management fees	0	0	0
Other income	(261)	(262)	(261)
Total operating income	(926)	(4,852)	(4,271)
Expenses [Abstract]
Interest expense	2	0	(1)
Provision for loan losses	0	0	0
Salaries and employee benefits	0	0	0
Other expenses	(262)	(262)	(261)
Total operating expenses	(260)	(262)	(262)
Income (loss) before income taxes	(666)	(4,590)	(4,009)
Income tax expense (benefit)	0	0	0
Net income (loss)	(666)	(4,590)	(4,009)
Capital expenditures	0	0	0
Total assets	$ (96,697)	$ (94,759)	$ (93,975)

Condensed Financial Statement74

Condensed Financial Statements of Parent Company, Balance Sheets (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Assets [Abstract]
Cash and cash equivalents	$ 14,412	$ 25,854	$ 36,990	$ 33,305
Securities available-for-sale	157,121	199,365
Other assets	12,777	15,543
Total assets	981,826	902,966	896,787
Liabilities and Stockholders' Equity [Abstract]
Common stock	25,087	24,806
Additional paid-in capital	17,270	16,427
Retained earnings	54,738	56,965
Accumulated other comprehensive loss	(707)	(4,208)
Total liabilities and stockholders' equity	981,826	902,966
Parent Company [Member]
Assets [Abstract]
Cash and cash equivalents	2,622	2,366	$ 2,198	$ 1,349
Securities available-for-sale	197	164
Investment in common stock of subsidiaries	93,533	91,437
Other assets	54	31
Total assets	96,406	93,998
Liabilities and Stockholders' Equity [Abstract]
Note payable - subsidiary	18	8
Common stock	25,087	24,806
Additional paid-in capital	17,270	16,427
Retained earnings	54,738	56,965
Accumulated other comprehensive loss	(707)	(4,208)
Total liabilities and stockholders' equity	$ 96,406	$ 93,998

Condensed Financial Statement75

Condensed Financial Statements of Parent Company, Statements of Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Income [Abstract]
Other income	$ 155	$ 113	$ 133
Total interest and dividend income	32,934	29,826	30,295
Expenses [Abstract]
Salaries and benefits	20,863	19,878	20,747
Legal expenses	2,069	2,122	1,413
Other operating expenses	2,768	2,640	2,668
Total noninterest expense	39,946	34,831	35,086
Income (loss) before income taxes	(126)	3,957	3,688
Income tax benefit	(97)	160	54
Net income (loss)	(29)	3,797	3,634
Parent Company [Member]
Income [Abstract]
Dividends from subsidiaries	2,050	2,900	2,900
Other income	200	200	200
Total interest and dividend income	2,250	3,100	3,100
Expenses [Abstract]
Salaries and benefits	445	406	432
Legal expenses	285	774	180
Service fees	210	166	137
Other operating expenses	316	55	19
Total noninterest expense	1,256	1,401	768
Income (loss) before income taxes	994	1,699	2,332
Income tax benefit	(360)	(408)	(193)
Net income before equity in undistributed net income of subsidiaries	1,354	2,107	2,525
Equity in undistributed net income (loss) of subsidiaries	(1,383)	1,690	1,109
Net income (loss)	$ (29)	$ 3,797	$ 3,634

Condensed Financial Statement76

Condensed Financial Statements of Parent Company, Statements of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Cash flows from operating activities [Abstract]
Net income (loss)	$ (29)	$ 3,797	$ 3,634
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]
Stock compensation expense	17	0	0
Increase (decrease) in other assets	458	(567)	(3,969)
Increase (decrease) in other liabilities	3,177	(243)	3,637
Net cash provided by operating activities	9,438	8,653	7,833
Cash flows from investing activities [Abstract]
Net cash used in investing activities	(98,370)	(23,637)	(15,413)
Cash flows from financing activities [Abstract]
Cash dividends paid on common stock	(2,198)	(1,983)	(1,686)
Net cash provided by financing activities	77,490	3,848	11,265
Net increase (decrease) in cash and cash equivalents	(11,442)	(11,136)	3,685
Cash and cash equivalents at beginning of period	25,854	36,990	33,305
Cash and cash equivalents at end of period	14,412	25,854	36,990
Supplemental schedule of noncash transactions [Abstract]
Unrealized gain (loss) on securities available-for-sale	1,563	(1,762)	(755)
Parent Company [Member]
Cash flows from operating activities [Abstract]
Net income (loss)	(29)	3,797	3,634
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]
Equity in undistributed net income (loss) of subsidiaries	1,383	(1,690)	(1,109)
Stock compensation expense	17	0	0
Increase (decrease) in other assets	(34)	5	(5)
Increase (decrease) in other liabilities	10	(7)	15
Net cash provided by operating activities	1,347	2,105	2,535
Cash flows from investing activities [Abstract]
Net cash used in investing activities	0	0	0
Cash flows from financing activities [Abstract]
Proceeds from sale of stock	1,107	46	0
Cash dividends paid on common stock	(2,198)	(1,983)	(1,686)
Net cash provided by financing activities	(1,091)	(1,937)	(1,686)
Net increase (decrease) in cash and cash equivalents	256	168	849
Cash and cash equivalents at beginning of period	2,366	2,198	1,349
Cash and cash equivalents at end of period	2,622	2,366	2,198
Supplemental schedule of noncash transactions [Abstract]
Unrealized gain (loss) on securities available-for-sale	$ 33	$ 64	$ (1)