Suffolk Bancorp (SCNB) 10-Q 1 May 14 2014 Q1 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information	3 Months Ended
	Mar. 31, 2014	Apr. 15, 2014
Document and Entity Information [Abstract]	'	'
Entity Registrant Name	'SUFFOLK BANCORP	'
Entity Central Index Key	'0000754673	'
Current Fiscal Year End Date	'--12-31	'
Entity Well-known Seasoned Issuer	'No	'
Entity Voluntary Filers	'No	'
Entity Current Reporting Status	'Yes	'
Entity Filer Category	'Accelerated Filer	'
Entity Common Stock, Shares Outstanding	'	11,573,014
Document Fiscal Year Focus	'2014	'
Document Fiscal Period Focus	'Q1	'
Document Type	'10-Q	'
Amendment Flag	'false	'
Document Period End Date	31-Mar-14	'

CONDENSED_CONSOLIDATED_STATEME

CONDENSED CONSOLIDATED STATEMENTS OF CONDITION (UNAUDITED) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Cash and cash equivalents	'	'
Cash and non-interest bearing deposits due from banks	$52,422	$69,065
Interest-bearing deposits due from banks	33,743	62,287
Federal funds sold	1,038	1,000
Total cash and cash equivalents	87,203	132,352
Interest-bearing time deposits in other banks	10,000	10,000
Federal Reserve Bank, Federal Home Loan Bank and other stock	2,863	2,863
Investment securities:	'	'
Available for sale, at fair value	364,148	400,780
Held to maturity (fair value of $46,008 and $12,234, respectively)	45,479	11,666
Total investment securities	409,627	412,446
Loans	1,129,818	1,068,848
Allowance for loan losses	17,737	17,263
Net loans	1,112,081	1,051,585
Loans held for sale	190	175
Premises and equipment, net	24,523	25,261
Bank owned life insurance	44,109	38,755
Deferred taxes	12,269	13,953
Accrued interest and loan fees receivable	6,322	5,441
Goodwill and other intangibles	2,994	2,978
Other assets	3,635	4,007
TOTAL ASSETS	1,715,816	1,699,816
LIABILITIES & STOCKHOLDERS' EQUITY	'	'
Demand deposits	633,496	628,616
Saving, N.O.W. & money market deposits	661,599	656,366
Time certificates of $100,000 or more	164,373	158,337
Other time deposits	63,966	66,742
Total deposits	1,523,434	1,510,061
Unfunded pension liability	167	258
Capital leases	4,588	4,612
Other liabilities	13,456	17,687
TOTAL LIABILITIES	1,541,645	1,532,618
COMMITMENTS AND CONTINGENT LIABILITIES	'	'
STOCKHOLDERS' EQUITY	'	'
Common stock (par value $2.50; 15,000,000 shares authorized; 13,738,752 shares issued; 11,573,014 shares outstanding)	34,348	34,348
Surplus	43,445	43,280
Retained earnings	105,993	102,273
Treasury stock at par (2,165,738 shares)	-5,414	-5,414
Accumulated other comprehensive loss, net of tax	-4,201	-7,289
TOTAL STOCKHOLDERS' EQUITY	174,171	167,198
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$1,715,816	$1,699,816

CONDENSED_CONSOLIDATED_STATEME1

CONDENSED CONSOLIDATED STATEMENTS OF CONDITION (UNAUDITED) (Parenthetical) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, except Share data, unless otherwise specified
Investment securities:	'	'
Held to maturity, fair value	$46,008	$12,234
STOCKHOLDERS' EQUITY	'	'
Common Stock, par value (in dollars per share)	$2.50	$2.50
Common Stock, shares authorized (in shares)	15,000,000	15,000,000
Common Stock, shares issued (in shares)	13,738,752	13,738,752
Common Stock, shares outstanding (in shares)	11,573,014	11,573,014
Treasury Stock, shares (in shares)	2,165,738	2,165,738

CONDENSED_CONSOLIDATED_STATEME2

CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS (UNAUDITED) (USD $)	3 Months Ended
In Thousands, except Share data, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
INTEREST INCOME	'	'
Loans and loan fees	$12,877	$11,082
U.S. Government agency obligations	628	333
Obligations of states and political subdivisions	1,505	1,500
Collateralized mortgage obligations	250	835
Mortgage-backed securities	501	365
Corporate bonds	90	117
Federal funds sold and interest-bearing deposits due from banks	46	173
Dividends	38	39
Total interest income	15,935	14,444
INTEREST EXPENSE	'	'
Saving, N.O.W. and money market deposits	292	286
Time certificates of $100,000 or more	234	300
Other time deposits	111	182
Total interest expense	637	768
Net interest income	15,298	13,676
Provision for loan losses	250	0
Net interest income after provision for loan losses	15,048	13,676
NON-INTEREST INCOME	'	'
Service charges on deposit accounts	1,003	924
Other service charges, commissions and fees	679	710
Fiduciary fees	279	273
Net gain on sale of securities available for sale	0	359
Net gain on sale of portfolio loans	0	442
Net gain on sale of mortgage loans originated for sale	93	526
Net gain on sale of branch building	642	0
Income from bank owned life insurance	354	0
Other operating income	42	83
Total non-interest income	3,092	3,317
OPERATING EXPENSES	'	'
Employee compensation and benefits	8,861	8,582
Occupancy expense	1,435	1,544
Equipment expense	449	572
Consulting and professional services	551	573
FDIC assessment	267	517
Data processing	573	467
Accounting and audit fees	108	21
Branch consolidation costs	-170	0
Reserve and carrying costs related to Visa shares sold	59	0
Other operating expenses	1,176	1,525
Total operating expenses	13,309	13,801
Income before income tax expense	4,831	3,192
Income tax expense	1,111	483
NET INCOME	$3,720	$2,709
EARNINGS PER COMMON SHARE - BASIC (in dollars per shares)	$0.32	$0.23
EARNINGS PER COMMON SHARE - DILUTED (in dollars per shares)	$0.32	$0.23
WEIGHTED AVERAGE NUMBER OF COMMON SHARES - BASIC (in shares)	11,573,014	11,566,347
WEIGHTED AVERAGE NUMBER OF COMMON SHARES - DILUTED (in shares)	11,631,462	11,566,347

CONDENSED_CONSOLIDATED_STATEME3

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (UNAUDITED) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (UNAUDITED) [Abstract]	'	'
Net income	$3,720	$2,709
Other comprehensive income (loss), net of tax and reclassification adjustments:	'	'
Net change in unrealized gain (loss) on securities available for sale arising during the period	3,088	-1,220
Total other comprehensive income (loss), net of tax	3,088	-1,220
Total comprehensive income	$6,808	$1,489

CONDENSED_CONSOLIDATED_STATEME4

CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (UNAUDITED) (USD $)	Common stock [Member]	Surplus [Member]	Retained earnings [Member]	Treasury stock [Member]	Accumulated other comprehensive income (loss), net of tax [Member]	Total
In Thousands
Balance at Dec. 31, 2012	$34,330	$42,628	$89,555	($5,414)	$2,886	'
Net income	'	'	2,709	'	'	2,709
Stock-based compensation	'	82	'	'	'	82
Other comprehensive income (loss)	'	'	'	'	-1,220	1,489
Balance at Mar. 31, 2013	34,330	42,710	92,264	-5,414	1,666	165,556
Balance at Dec. 31, 2013	34,348	43,280	102,273	-5,414	-7,289	167,198
Net income	'	'	3,720	'	'	3,720
Stock-based compensation	'	165	'	'	'	165
Other comprehensive income (loss)	'	'	'	'	3,088	6,808
Balance at Mar. 31, 2014	$34,348	$43,445	$105,993	($5,414)	($4,201)	$174,171

CONDENSED_CONSOLIDATED_STATEME5

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) [Abstract]	'	'
NET INCOME	$3,720	$2,709
ADJUSTMENTS TO RECONCILE NET INCOME TO NET CASH (USED IN) PROVIDED BY OPERATING ACTIVITIES	'	'
Provision for loan losses	250	0
Depreciation and Amortization	604	684
Stock-based compensation	165	82
Net amortization of premiums	293	317
Originations of mortgage loans for sale	-4,061	-20,461
Proceeds from sale of mortgage loans originated for sale	4,139	23,073
Gain on sale of mortgage loans originated for sale	-93	-526
Gain on sale of portfolio loans	0	-442
Increase in other intangibles	-16	-183
Deferred tax (benefit) expense	-78	425
Decrease in income tax receivable	0	57
Increase in accrued interest and loan fees receivable	-881	-863
Decrease in other assets	372	2,028
Adjustment to unfunded pension liability	-91	-16
Decrease in other liabilities	-4,230	-2,724
Income from bank owned life insurance	-354	0
Gain on sale of branch building	-642	0
Gain on sale of securities available for sale	0	-359
Net cash (used in) provided by operating activities	-903	3,801
CASH FLOWS FROM INVESTING ACTIVITIES	'	'
Principal payments on investment securities	3,854	19,831
Proceeds from sale of investment securities - available for sale	0	10,475
Maturities of investment securities - available for sale	6,040	6,025
Purchases of investment securities - available for sale	0	-49,129
Maturities of investment securities - held to maturity	315	163
Purchases of investment securities - held to maturity	-2,834	0
Proceeds from sale of portfolio loans	0	1,349
Loan originations - net	-60,746	-48,146
Proceeds from sale of branch building	900	0
Proceeds from sale of other real estate owned ("OREO")	0	1,200
Increase in bank owned life insurance	-5,000	0
Purchases of premises and equipment - net	-124	-327
Net cash used in investing activities	-57,595	-58,559
CASH FLOWS FROM FINANCING ACTIVITIES	'	'
Net increase (decrease) in deposit accounts	13,373	-27,356
Decrease in capital lease payable	-24	-13
Net cash provided by (used in) financing activities	13,349	-27,369
NET DECREASE IN CASH AND CASH EQUIVALENTS	-45,149	-82,127
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD	132,352	385,806
CASH AND CASH EQUIVALENTS, END OF PERIOD	87,203	303,679
SUPPLEMENTAL DATA:	'	'
Interest paid	637	770
Income taxes paid	329	0
Investment securities transferred from available for sale to held to maturity	$31,286	$0

FINANCIAL_STATEMENT_PRESENTATI

FINANCIAL STATEMENT PRESENTATION AND SIGNIFICANT ACCOUNTING POLICIES	3 Months Ended
	Mar. 31, 2014
FINANCIAL STATEMENT PRESENTATION AND SIGNIFICANT ACCOUNTING POLICIES [Abstract]	'
FINANCIAL STATEMENT PRESENTATION AND SIGNIFICANT ACCOUNTING POLICIES	'
	1. FINANCIAL STATEMENT PRESENTATION AND SIGNIFICANT ACCOUNTING POLICIES
	The unaudited interim condensed consolidated financial statements include the accounts of Suffolk Bancorp (the “Company”) and its wholly owned subsidiary, the Suffolk County National Bank of Riverhead and its subsidiaries (the “Bank”). The Bank formed Suffolk Greenway, Inc. (the “REIT”), a real estate investment trust, and owns 100% of an insurance agency and two corporations used to acquire foreclosed real estate. The insurance agency and the two corporations used to acquire foreclosed real estate are immaterial to the Company’s operations. Suffolk Bancorp and subsidiaries are collectively referred to hereafter as the “Company.” All material intercompany accounts and transactions have been eliminated in consolidation.
	In the opinion of the Company’s management, the preceding unaudited interim condensed consolidated financial statements contain all adjustments, consisting of normal accruals, necessary for a fair presentation of its condensed consolidated statements of condition as of March 31, 2014 and December 31, 2013, its condensed consolidated statements of operations for the three months ended March 31, 2014 and 2013, its condensed consolidated statements of comprehensive income (loss) for the three months ended March 31, 2014 and 2013, its condensed consolidated statements of changes in stockholders’ equity for the three months ended March 31, 2014 and 2013 and its condensed consolidated statements of cash flows for the three months ended March 31, 2014 and 2013.
	The preceding unaudited interim condensed consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (“U.S. GAAP”) for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X, as well as in accordance with predominant practices within the banking industry. They do not include all of the information and footnotes required by U.S. GAAP for complete financial statements. The preparation of the financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the amounts reported in the financial statements and the accompanying notes. Actual results could differ from those estimates. The results of operations for the three months ended March 31, 2014 are not necessarily indicative of the results of operations to be expected for the remainder of the year. For further information, please refer to the audited consolidated financial statements and footnotes thereto included in the Company’s 2013 Annual Report on Form 10-K.
	Loans and Loan Interest Income Recognition - Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, net of unearned discounts, deferred loan fees and costs. Unearned discounts on installment loans are credited to income using methods that result in a level yield. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income over the respective term of the loan without anticipating prepayments.
	Interest income is accrued on the unpaid loan principal balance. Recognition of interest income is discontinued when reasonable doubt exists as to whether principal or interest due can be collected. Loans of all classes will generally no longer accrue interest when over 90 days past due unless the loan is well-secured and in process of collection. When a loan is placed on non-accrual status, all interest previously accrued, but not collected, is reversed against current-year interest income. Interest received on such loans is applied against principal or interest, according to management’s judgment as to the collectability of the principal, until qualifying for return to accrual status. Loans start accruing interest again when they become current as to principal and interest for at least six months, and when, after a well-documented analysis by management, it has been determined that the loans can be collected in full.  For all classes of loans, an impaired loan is defined as a loan for which it is probable that the lender will not collect all amounts due under the contractual terms of the loan agreement. Loans for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties are considered troubled debt restructurings (“TDRs”) and are classified as impaired. Generally, TDRs are initially classified as non-accrual until sufficient time has passed to assess whether the restructured loan will continue to perform. For impaired, accruing loans, interest income is recognized on an accrual basis with cash offsetting the recorded accruals upon receipt.
	Allowance for Loan Losses - The allowance for loan losses is a valuation allowance for probable incurred losses, increased by the provision for loan losses and recoveries, and decreased by loan charge-offs. For all classes of loans, when a loan, in full or in part, is deemed uncollectible, it is charged against the allowance for loan losses. This happens when the loan is past due and the borrower has not shown the ability or intent to make the loan current, or the borrower does not have sufficient assets to pay the debt, or the value of the collateral is less than the balance of the loan and is not considered likely to improve soon. The allowance for loan losses is determined by a continuous analysis of the loan portfolio. Such analysis includes changes in the size and composition of the portfolio, the Company’s own historical loan losses, industry-wide losses, current and anticipated economic trends, and details about individual loans. It also includes estimates of the actual value of collateral, other possible sources of repayment and estimates that are susceptible to significant changes due to changes in appraisal values of collateral, national and regional economic conditions and other relevant factors. All non-accrual loans over $250 thousand in the commercial and industrial, commercial real estate and real estate construction loan classes and all TDRs are evaluated individually for impairment. All other loans are generally evaluated as homogeneous pools with similar risk characteristics. In assessing the adequacy of the allowance for loan losses, management reviews the loan portfolio by separate classes that have similar risk and collateral characteristics. These classes are commercial and industrial, commercial real estate, multifamily, real estate construction, residential mortgages, home equity and consumer loans.
	The allowance for loan losses consists of specific and general components. The specific component relates to loans that are individually classified as impaired. Specific reserves are established based on an analysis of the most probable sources of repayment and liquidation of collateral. Impaired loans that are collateral dependent are reviewed based on their collateral and the estimated time required to recover the Company’s investment in the loans, as well as the cost of doing so, and the estimate of the recovery. Non-collateral dependent impaired loans are reviewed based on the present value of estimated future cash flows, including balloon payments, if any, using the loan’s effective interest rate. While every impaired loan is evaluated individually, not every loan requires a specific reserve. Specific reserves fluctuate based on changes in the underlying loans, anticipated sources of repayment, and charge-offs. The general component covers non-impaired loans and is based on historical loss experience for each loan class from a rolling twelve quarter period and modifying those percentages, if necessary, after adjusting for current qualitative and environmental factors that reflect changes in the estimated collectability of the loan class not captured by historical loss data.  These factors augment actual loss experience and help estimate the probability of loss within the loan portfolio based on emerging or inherent risk trends. These qualitative factors are applied as an adjustment to historical loss rates and require judgments that cannot be subjected to exact mathematical calculation. These adjustments reflect management’s overall estimate of the extent to which current losses on a pool of loans will differ from historical loss experience. These adjustments are subjective estimates and management reviews them on a quarterly basis. TDRs are also considered impaired with impairment generally measured at the present value of estimated future cash flows using the loan’s effective interest rate at inception or using the fair value of collateral, less estimated costs to sell, if repayment is expected solely from the collateral.
	Loans Held For Sale – Loans held for sale are carried at the lower of aggregate cost or fair value, based on observable inputs in the secondary market. Changes in fair value of loans held for sale are recognized in earnings.
	Bank Owned Life Insurance - Bank owned life insurance is recorded at the lower of the cash surrender value or the amount that can be realized under the insurance policy and is included as an asset in the consolidated statements of condition. Changes in the cash surrender value and insurance benefit payments are recorded in non-interest income in the consolidated statements of operations.
	Derivatives - Derivatives are contracts between counterparties that specify conditions under which settlements are to be made. The only derivatives held by the Company are swap contracts with the purchaser of its Visa Class B shares. The Company records its derivatives on the balance sheet at fair value. The Company’s derivatives do not qualify for hedge accounting. As a result, changes in fair value are recognized in earnings in the period in which they occur. (See also Note 3. Investment Securities contained herein.)
	Recent Accounting Guidance – In January 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2014-04, Receivables—Troubled Debt Restructurings by Creditors (Topic 310), “Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure,” to clarify when an in substance repossession or foreclosure occurs, that is, when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan receivable should be derecognized and the real estate property recognized. The ASU requires interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. The ASU is effective for fiscal years, and interim periods within those years, beginning after December 15, 2014. Management intends to adopt ASU 2014-04 on January 1, 2015 and does not believe that the adoption will have a material effect on the Company’s consolidated financial statements.
	In July 2013, the FASB issued ASU 2013-11, Income Taxes (Topic 740), “Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists,” to clarify the balance sheet presentation of an unrecognized tax benefit when a net operating loss carryforward, a similar tax loss, or a tax credit carryforward exists. The ASU requires an unrecognized tax benefit, or a portion of an unrecognized tax benefit, to be presented in the financial statements as a reduction to a deferred tax asset for a net operating loss carryforward, a similar tax loss, or a tax credit carryforward, except as follows. To the extent a net operating loss carryforward, a similar tax loss, or a tax credit carryforward is not available at the reporting date under the tax law of the applicable jurisdiction to settle any additional income taxes that would result from the disallowance of a tax position or the tax law of the applicable jurisdiction does not require the entity to use, and the entity does not intend to use, the deferred tax asset for such purpose, the unrecognized tax benefit should be presented in the financial statements as a liability and should not be combined with deferred tax assets. The ASU is effective for fiscal years, and interim periods within those years, beginning after December 15, 2013. The Company’s adoption of ASU 2013-11 on January 1, 2014 did not have a material effect on the Company’s consolidated financial statements.
	Reclassifications — Certain reclassifications have been made to prior period information in order to conform to the current period’s presentation. Such reclassifications had no impact on the Company’s consolidated results of operations or financial condition.

ACCUMULATED_OTHER_COMPREHENSIV

ACCUMULATED OTHER COMPREHENSIVE INCOME (AOCI)	3 Months Ended
	Mar. 31, 2014
ACCUMULATED OTHER COMPREHENSIVE INCOME ("AOCI") [Abstract]	'
ACCUMULATED OTHER COMPREHENSIVE INCOME ("AOCI")	'
	2. ACCUMULATED OTHER COMPREHENSIVE INCOME (“AOCI”)
	The changes in the Company’s AOCI by component, net of tax, for the three months ended March 31, 2014 and 2013 follow (in thousands). The increase in net unrealized gains on available for sale securities for the three months ended March 31, 2014 resulted almost solely from the positive impact of a reduction in interest rates in 2014.
			Three Months Ended March 31, 2014											Three Months Ended March 31, 2013
			Unrealized Gains				Pension and				Total			Unrealized Gains			Pension and			Total
			and Losses on				Post-							and Losses on			Post-
			Available for Sale				Retirement							Available for Sale			Retirement
			Securities				Plan Items							Securities			Plan Items
	Beginning balance		$	(4,095	)		$	(3,194	)		$	(7,289	)	$	10,553		$	(7,667	)	$	2,886
	Other comprehensive income (loss) before reclassifications			3,088				-				3,088			(991	)		-			(991	)
	Amounts reclassified from AOCI			-				-				-			(229	)		-			(229	)
	Net other comprehensive income (loss)			3,088				-				3,088			(1,220	)		-			(1,220	)
	Ending balance		$	(1,007	)		$	(3,194	)		$	(4,201	)	$	9,333		$	(7,667	)	$	1,666
	The table below presents reclassifications out of AOCI for the three months ended March 31, 2014 and 2013 (in thousands).
	The table below presents reclassifications out of AOCI for the three months ended March 31, 2014 and 2013 (in thousands).
		Amount Reclassified from AOCI
		Three Months Ended March 31,								Affected Line Item in the Statement
	Details about AOCI Components	2014				2013				Where Net Income is Presented
	Unrealized gains and losses on available for sale securities		$	-			$	359		Net gain on sale of securities available for sale
				-				(130	)	Income tax expense
	Total reclassifications, net of tax		$	-			$	229

INVESTMENT_SECURITIES

INVESTMENT SECURITIES	3 Months Ended
	Mar. 31, 2014
INVESTMENT SECURITIES [Abstract]	'
INVESTMENT SECURITIES	'
	3. INVESTMENT SECURITIES
	At the time of purchase of a security, the Company designates the security as either available for sale or held to maturity, depending upon investment objectives, liquidity needs and intent. Securities held to maturity are stated at cost, adjusted for premium amortized or discount accreted, if any. The Company has the positive intent and ability to hold such securities to maturity. Securities available for sale are stated at estimated fair value. Unrealized gains and losses are excluded from income and reported net of tax in AOCI as a separate component of stockholders’ equity until realized. Changes in unrealized gains and losses are reported, net of tax, in the consolidated statements of comprehensive income (loss). Interest earned on securities is included in interest income. Realized gains and losses on the sale of securities are reported in the consolidated statements of operations and determined using the adjusted cost of the specific security sold.
	During the first quarter of 2014, investment securities totaling $31 million were transferred from available for sale to held to maturity. At the time of transfer, the securities were at unrealized losses. In accordance with ASC 320-10-35-10, the securities were transferred at fair value, which became the amortized cost. The discount is then accreted to interest income over the remaining life of the security. The unrealized holding losses at the date of transfer remained in AOCI and are amortized simultaneously against interest income. Those entries offset or mitigate each other. For regulatory capital purposes, the unamortized AOCI related to these securities is treated in the same manner as an available for sale debt security.
	The amortized cost, estimated fair value and gross unrealized gains and losses of the Company’s investment securities available for sale and held to maturity at March 31, 2014 and December 31, 2013 were as follows (in thousands):
		31-Mar-14									31-Dec-13
				Gross		Gross			Estimated				Gross		Gross			Estimated
		Amortized		Unrealized		Unrealized			Fair		Amortized		Unrealized		Unrealized			Fair
		Cost		Gains		Losses			Value		Cost		Gains		Losses			Value
	Available for sale:
	U.S. Government agency securities	$	70,466	$	-	$	(3,705	)	$	66,761	$	109,315	$	-	$	(9,220	)	$	100,095
	Obligations of states and political subdivisions		147,472		8,451		-			155,923		148,664		8,499		-			157,163
	Collateralized mortgage obligations		27,108		880		(689	)		27,299		30,335		557		(788	)		30,104
	Mortgage-backed securities		102,591		18		(4,128	)		98,481		103,332		19		(5,584	)		97,767
	Corporate bonds		15,561		241		(118	)		15,684		15,565		264		(178	)		15,651
	Total available for sale securities		363,198		9,590		(8,640	)		364,148		407,211		9,339		(15,770	)		400,780
	Held to maturity:
	U.S. Government agency securities		31,318		-		(165	)		31,153		-		-		-			-
	Obligations of states and political subdivisions		14,161		694		-			14,855		11,666		655		(87	)		12,234
	Total held to maturity securities		45,479		694		(165	)		46,008		11,666		655		(87	)		12,234
	Total investment securities	$	408,677	$	10,284	$	(8,805	)	$	410,156	$	418,877	$	9,994	$	(15,857	)	$	413,014
	At March 31, 2014 and December 31, 2013, investment securities carried at $255 million and $292 million, respectively, were pledged for trust deposits, public funds on deposit and as collateral for the derivative swap contracts.
	The amortized cost, contractual maturities and estimated fair value of the Company’s investment securities at March 31, 2014 (in thousands) are presented in the table below. Collateralized mortgage obligations (“CMOs”) and mortgage-backed securities (“MBS”) assume maturity dates pursuant to average lives.
		31-Mar-14
		Amortized		Estimated
		Cost		Fair Value
	Securities available for sale:
	Due in one year or less	$	11,353	$	11,499
	Due from one to five years		130,651		136,363
	Due from five to ten years		216,194		211,507
	Due after ten years		5,000		4,779
	Total securities available for sale		363,198		364,148
	Securities held to maturity:
	Due in one year or less		627		632
	Due from one to five years		6,584		7,175
	Due from five to ten years		15,154		15,010
	Due after ten years		23,114		23,191
	Total securities held to maturity		45,479		46,008
	Total investment securities	$	408,677	$	410,156
	The proceeds from sales of securities available for sale and the associated net realized gains are shown below for the periods indicated (in thousands):
		Three Months Ended March 31,
		2014		2013
	Proceeds	$	-	$	10,475
	Gross realized gains	$	-	$	359
	Gross realized losses		-		-
	Net realized gains	$	-	$	359
	Information pertaining to securities with unrealized losses at March 31, 2014 and December 31, 2013, aggregated by investment category and length of time that individual securities have been in a continuous loss position, follows (in thousands):
		Less than 12 months				12 months or longer					Total
		Estimated		Unrealized		Estimated			Unrealized		Estimated		Unrealized
	31-Mar-14	Fair value		Losses		Fair value			Losses		Fair value		Losses
	U.S. Government agency securities	$	88,511	$	3,273	$	9,403		$	597	$	97,914	$	3,870
	Collateralized mortgage obligations		-		-		8,634			689		8,634		689
	Mortgage-backed securities		85,484		3,566		12,739			562		98,223		4,128
	Corporate bonds		2,409		44		2,926			74		5,335		118
	Total	$	176,404	$	6,883	$	33,702		$	1,922	$	210,106	$	8,805
		Less than 12 months				12 months or longer					Total
		Estimated		Unrealized		Estimated			Unrealized		Estimated		Unrealized
	31-Dec-13	Fair value		Losses		Fair value			Losses		Fair value		Losses
	U.S. Government agency securities	$	86,590	$	7,726	$	13,505		$	1,494	$	100,095	$	9,220
	Obligations of states and political subdivisions		3,932		87		-			-		3,932		87
	Collateralized mortgage obligations		2,935		160		5,713			628		8,648		788
	Mortgage-backed securities		84,869		4,850		12,637			734		97,506		5,584
	Corporate bonds		8,681		178		-			-		8,681		178
	Total	$	187,007	$	13,001	$	31,855		$	2,856	$	218,862	$	15,857
The Company’s management evaluates securities for other-than-temporary impairment (“OTTI”) at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. All of the Company’s investment securities classified as available for sale or held to maturity are evaluated for OTTI under FASB ASC 320, “Accounting for Certain Investments in Debt and Equity Securities.” In determining OTTI under ASC 320, management considers many factors, including: (1) the length of time and the extent to which the fair value has been less than amortized cost, (2) the financial condition and near-term prospects of the issuer, (3) whether the market decline was affected by macroeconomic conditions, and (4) whether the Company has the intent to sell the debt security or more likely than not will be required to sell the debt security before its anticipated recovery. The assessment of whether an OTTI decline exists involves a high degree of subjectivity and judgment and is based on information available to management at a point in time. An OTTI is deemed to have occurred if there has been an adverse change in the remaining expected future cash flows.
When an OTTI occurs, the amount of the OTTI recognized in earnings depends on whether an entity intends to sell the security or more likely than not will be required to sell the security before recovery of its amortized cost basis less any current-period credit loss. If an entity intends to sell or more likely than not will be required to sell the security before recovery of its amortized cost basis less any current-period credit loss, the OTTI is recognized in earnings equal to the entire difference between the investment’s amortized cost and its estimated fair value at the balance sheet date. If an entity does not intend to sell the security and it is not more likely than not that the entity will be required to sell the security before recovery of its amortized cost less any current-period loss, the OTTI is separated into the amount representing the credit loss and the amount related to all other factors. The amount of the total OTTI related to the credit loss is determined based on the present value of cash flows expected to be collected and is recognized in earnings. The amount of the total OTTI related to other factors is recognized in AOCI, net of applicable tax benefit. The previous amortized cost basis less the OTTI recognized in earnings becomes the new amortized cost basis of the investment.
The corporate bonds at unrealized losses for twelve months or longer in the table above carry investment grade ratings by all major credit rating agencies including both Moody’s and Standard  & Poor’s. The unrealized losses on these bonds were a result of the current interest rate environment and the corresponding shape of the yield curve.  The losses were not related to a deterioration of the quality of the issuer or any company-specific adverse events. All other securities at unrealized losses for twelve months or longer are issued or guaranteed by U.S. Government agencies or sponsored enterprises and the related unrealized losses resulted solely from the current interest rate environment and the corresponding shape of the yield curve.
Upon review of the considerations mentioned here, no OTTI was deemed to be warranted at March 31, 2014.
The Bank was a member of the Visa USA payment network and was issued Class B shares upon Visa’s initial public offering in March 2008. The Visa Class B shares are transferable only under limited circumstances until they can be converted into shares of the publicly traded class of stock. This conversion cannot happen until the settlement of certain litigation, which is indemnified by Visa members. Since its initial public offering, Visa has funded a litigation reserve based upon a change in the ratio for conversion of Visa Class B shares into Visa Class A shares. At its discretion, Visa may continue to increase the conversion rate in connection with any settlements in excess of amounts then in escrow for that purpose and reduce the conversion rate to the extent that it adds any funds to the escrow in the future. Based on the existing transfer restriction and the uncertainty of the litigation, the Company has recorded its Visa Class B shares on its balance sheet at zero value.
During the second and third quarters of 2013, the Bank sold 100,000 Visa Class B shares to another Visa USA member financial institution at a gross pre-tax gain of approximately $7.8 million which was recorded in non-interest income in the Company’s statement of operations. In conjunction with the sale, the Company entered into derivative swap contracts with the purchaser of these Visa Class B shares which provide for settlements between the purchaser and the Company based upon a change in the ratio for conversion of Visa Class B shares into Visa Class A shares.
Also during the second and third quarters of 2013, the Company recorded a total of $932 thousand in operating expenses and in other liabilities on the balance sheet, representing the estimate of the Company’s exposure to the settlement of the Visa litigation or the derivative liability. A relatively high degree of subjectivity was used in estimating the fair value of this derivative liability, but management believes that the estimate of its fair value was reasonable based on the available information. The present value of estimated future fees to be paid to the derivative counterparty, or carrying costs, calculated by reference to the market price of the Visa Class A shares at a fixed rate of interest are expensed as incurred. For the three months ended March 31, 2014, $59 thousand in such carrying costs was expensed.
Management believes that the estimate of the Company’s exposure to the Visa indemnification and fees associated with the derivatives are adequate based on current information. However, future developments in the litigation could require potentially significant changes to the estimate.
The Company has pledged U.S. Government agency securities held in its available for sale portfolio, with a market value of approximately $3 million at March 31, 2014, as collateral for the derivative swap contracts.
At March 31, 2014, the Company still owned 38,638 Visa Class B shares subsequent to the sales described here. Based on the existing transfer restriction and the uncertainty of the litigation, these Visa Class B shares continue to be carried on the Company’s balance sheet at zero value. Upon termination of the existing transfer restriction and settlement of the litigation, and to the extent that the Company continues to own such Visa Class B shares in the future, the Company expects to record its Visa Class B shares at fair value.

LOANS

LOANS	3 Months Ended
	Mar. 31, 2014
LOANS [Abstract]	'
LOANS	'
	4. LOANS
	At March 31, 2014 and December 31, 2013, net loans disaggregated by class consisted of the following (in thousands):
			31-Mar-14			31-Dec-13
	Commercial and industrial		$	165,019		$	171,199
	Commercial real estate			489,958			469,357
	Multifamily			221,841			184,624
	Real estate construction			14,940			6,565
	Residential mortgages			173,347			169,552
	Home equity			55,250			57,112
	Consumer			9,463			10,439
	Gross loans			1,129,818			1,068,848
	Allowance for loan losses			(17,737	)		(17,263	)
	Net loans at end of period		$	1,112,081		$	1,051,585
	The following summarizes the activity in the allowance for loan losses disaggregated by class for the periods indicated (in thousands).
			Commercial			Commercial			Multifamily			Real estate			Residential			Home			Consumer			Unallocated			Total
			and			real estate						construction			mortgages			equity
			industrial
	Three months ended March 31, 2014
	Balance at beginning of period		$	2,615		$	6,626		$	2,159		$	88		$	2,463		$	745		$	241		$	2,326		$	17,263
	Charge-offs			(115	)		-			-			-			-			-			(2	)		-			(117	)
	Recoveries			293			12			-			-			4			27			5			-			341
	(Credit) provision for loan losses			(312	)		657			481			129			160			(54	)		(58	)		(753	)		250
	Balance at end of period		$	2,481		$	7,295		$	2,640		$	217		$	2,627		$	718		$	186		$	1,573		$	17,737
	Three months ended March 31, 2013
	Balance at beginning of period		$	6,181		$	5,999		$	150		$	141		$	1,576		$	907		$	189		$	2,638		$	17,781
	Charge-offs			(348	)		-			-			-			-			-			(11	)		-			(359	)
	Recoveries			299			72			-			-			1			1			39			-			412
	(Credit) provision for loan losses			(787	)		(353	)		702			704			864			16			28			(1,174	)		-
	Balance at end of period		$	5,345		$	5,718		$	852		$	845		$	2,441		$	924		$	245		$	1,464		$	17,834
	The allowance for loan losses is a valuation allowance for probable incurred credit losses. Loan losses are charged against the allowance when management believes a loan, in full or in part, is uncollectible. Subsequent recoveries, if any, are credited to the allowance. Management estimates the allowance balance required using past loan loss experience, the nature and volume of the portfolio, information about specific borrower situations and estimated collateral values, economic conditions, and other factors.  Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in management’s judgment, should be charged off. The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired.
	A loan is impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement.  Loans for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, are considered TDRs and classified as impaired. Generally, TDRs are initially classified as non-accrual until sufficient time has passed to assess whether the restructured loan will continue to perform. Generally, the Company returns a TDR to accrual status upon six months of performance under the new terms.
	Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired.  Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed.
	All non-accrual loans over $250 thousand in the commercial and industrial, commercial real estate and real estate construction loan classes and all TDRs are evaluated individually for impairment. All other loans are generally evaluated as homogeneous pools with similar risk characteristics. If a loan is impaired, a specific reserve may be recorded so that the loan is reported, net, at the present value of estimated future cash flows including balloon payments, if any, using the loan’s existing rate or at the fair value of collateral if repayment is expected solely from the collateral. Large groups of homogeneous loans with smaller individual balances, such as consumer and residential real estate loans, are generally evaluated collectively for impairment, and accordingly, are not separately identified for impairment disclosures. TDRs are separately identified for impairment disclosures and are measured at the present value of estimated future cash flows using the loan’s effective rate at inception. If a TDR is considered to be collateral-dependent, the loan is reported at the fair value of the collateral net of estimated costs to sell.  For TDRs that subsequently default, the Company determines the allowance amount in accordance with its accounting policy for the allowance for loan losses.
	The general component of the allowance covers non-impaired loans and is based on historical loss experience, adjusted for qualitative factors.  The historical loss experience is determined by loan class, and is based on the actual loss history experienced by the Company over a rolling twelve quarter period. This actual loss experience is supplemented with other qualitative factors based on the risks present for each loan class.  These qualitative factors include consideration of the following:  levels of and trends in delinquencies and impaired loans; levels of and trends in charge-offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards; other changes in lending policies, procedures and practices; experience, ability, and depth of lending management and other relevant staff; local, regional and national economic trends and conditions; industry conditions; and effects of changes in credit concentrations. The following loan classes have been identified: commercial and industrial, commercial real estate, multifamily, real estate construction, residential mortgages, home equity and consumer loans.
	The Company recorded a $250 thousand provision for loan losses for the three months ended March 31, 2014 due to growth in the loan portfolio. The Company did not record a provision for loan losses in the first quarter of 2013.
	For the three months ended March 31, 2014, the ending balance of the Company’s allowance for loan losses increased by $474 thousand when compared to December 31, 2013. During the first quarter of 2014, the Company increased its allowance for loan losses allocated to multifamily loans and commercial real estate loans (“CRE”) by $481 thousand and $669 thousand, respectively, while reducing the amount allocated to commercial and industrial loans (“C&I”) by $134 thousand.
	The increases in the allowance for loan losses allocated to multifamily and CRE loans were primarily due to higher balances of unimpaired pass rated multifamily and CRE loans of $37 million and $23 million, respectively, versus December 31, 2013, coupled with increases of 0.01% and 0.08%, respectively, in the ASC 450-20 historical loss factors rates for such unimpaired pass rated loans.
	The decrease in the allowance for loan losses allocated to C&I loans during the first quarter of 2014 reflected a $6 million decrease in the balance of unimpaired pass rated C&I loans, as well as a reduction of 0.02% in the ASC 450-20 historical loss factors rate on unimpaired pass rated C&I loans and a decrease of $9 thousand in specific reserves for C&I loans.
	The ASC 450-20 loss factors rates incorporate a rolling twelve quarter look back period used in calculating historical losses for each loan segment. In an effort to more accurately represent the Company’s incurred and expected losses by individual loan segment, a twelve quarter period is used to improve the granularity of individual loan segment charge-off history and reduce the volatility associated with improperly weighting short-term trends in the calculation.
	At March 31, 2014 and December 31, 2013, the ending balance in the allowance for loan losses disaggregated by class and impairment methodology is as follows (in thousands). Also in the tables below are total loans at March 31, 2014 and December 31, 2013 disaggregated by class and impairment methodology (in thousands).
	31-Mar-14		Commercial			Commercial			Multifamily			Real estate			Residential			Home			Consumer			Unallocated			Total
			and			real estate						construction			mortgages			equity
			industrial
	Allowance for loan losses:
	Ending balance: individually evaluated for impairment		$	32		$	-		$	-		$	-		$	711		$	94		$	62		$	-		$	899
	Ending balance: collectively evaluated for impairment			2,449			7,295			2,640			217			1,916			624			124			1,573			16,838
	Ending balance		$	2,481		$	7,295		$	2,640		$	217		$	2,627		$	718		$	186		$	1,573		$	17,737
	Loan balances:
	Ending balance: individually evaluated for impairment		$	7,468		$	11,220		$	-		$	-		$	4,987		$	681		$	155		$	-		$	24,511
	Ending balance: collectively evaluated for impairment			157,551			478,738			221,841			14,940			168,360			54,569			9,308			-			1,105,307
	Ending balance		$	165,019		$	489,958		$	221,841		$	14,940		$	173,347		$	55,250		$	9,463		$	-		$	1,129,818
	31-Dec-13		Commercial			Commercial			Multifamily			Real estate			Residential			Home			Consumer			Unallocated			Total
			and			real estate						construction			mortgages			equity
			industrial
	Allowance for loan losses:
	Ending balance: individually evaluated for impairment		$	41		$	-		$	-		$	-		$	709		$	93		$	102		$	-		$	945
	Ending balance: collectively evaluated for impairment			2,574			6,626			2,159			88			1,754			652			139			2,326			16,318
	Ending balance		$	2,615		$	6,626		$	2,159		$	88		$	2,463		$	745		$	241		$	2,326		$	17,263
	Loan balances:
	Ending balance: individually evaluated for impairment		$	7,754		$	11,821		$	-		$	-		$	5,049		$	1,082		$	284		$	-		$	25,990
	Ending balance: collectively evaluated for impairment			163,445			457,536			184,624			6,565			164,503			56,030			10,155			-			1,042,858
	Ending balance		$	171,199		$	469,357		$	184,624		$	6,565		$	169,552		$	57,112		$	10,439		$	-		$	1,068,848
	The following table presents the Company’s impaired loans disaggregated by class at March 31, 2014 and December 31, 2013 (in thousands).
		31-Mar-14									31-Dec-13
		Unpaid			Recorded			Allowance			Unpaid			Recorded			Allowance
		Principal			Balance			Allocated			Principal			Balance			Allocated
		Balance									Balance
With no allowance recorded:
Commercial and industrial		$	7,314		$	7,314		$	-		$	6,711		$	6,711		$	-
Commercial real estate			11,638			11,220			-			12,239			11,821			-
Residential mortgages			2,258			2,130			-			2,305			2,176			-
Home equity			489			489			-			891			891			-
Consumer			25			9			-			25			9			-
Subtotal			21,724			21,162			-			22,171			21,608			-
With an allowance recorded:
Commercial and industrial			154			154			32			1,043			1,043			41
Residential mortgages			2,857			2,857			711			2,873			2,873			709
Home equity			328			192			94			328			191			93
Consumer			148			146			62			274			275			102
Subtotal			3,487			3,349			899			4,518			4,382			945
Total		$	25,211		$	24,511		$	899		$	26,689		$	25,990		$	945
The following table presents the Company’s average recorded investment in impaired loans and the related interest income recognized disaggregated by class for the three months ended March 31, 2014 and 2013 (in thousands). No interest income was recognized on a cash basis on impaired loans for the periods presented.
		Three Months Ended March 31,
		2014						2013
		Average			Interest income			Average			Interest income
		recorded			recognized on			recorded			recognized on
		investment in			impaired loans			investment in			impaired loans
		impaired loans						impaired loans
Commercial and industrial		$	7,567		$	107		$	10,947		$	57
Commercial real estate			11,558			99			11,090			69
Real estate construction			-			-			1,401			-
Residential mortgages			5,036			36			5,004			42
Home equity			771			17			751			3
Consumer			170			2			318			5
Total		$	25,102		$	261		$	29,511		$	176
TDRs are modifications or renewals where the Company has granted a concession to a borrower in financial distress. The Company reviews all modifications and renewals for determination of TDR status. The Company allocated $611 thousand and $586 thousand of specific reserves to customers whose loan terms have been modified as TDRs as of March 31, 2014 and December 31, 2013, respectively. These loans involved the restructuring of terms to allow customers to mitigate the risk of default by meeting a lower payment requirement based upon their current cash flow. These may also include loans that renewed at existing contractual rates, but below market rates for comparable credit.
A total of $250 thousand was committed to be advanced in connection with TDRs at March 31, 2014 and December 31, 2013, representing the amount the Company is legally required to advance under existing loan agreements. These loans are not in default under the terms of the loan agreements and are accruing interest. It is the Company’s policy to evaluate advances on such loans on a case by case basis. Absent a legal obligation to advance pursuant to the terms of the loan agreement, the Company generally will not advance funds for which it has outstanding commitments, but may do so in certain circumstances.
Outstanding TDRs, disaggregated by class, at March 31, 2014 and December 31, 2013 are as follows (dollars in thousands):
		31-Mar-14						31-Dec-13
TDRs Outstanding		Number			Outstanding			Number			Outstanding
		of			Recorded			of			Recorded
		Loans			Balance			Loans			Balance
Commercial and industrial			42		$	6,133			43		$	6,022
Commercial real estate			8			5,937			7			6,022
Residential mortgages			16			3,858			17			3,891
Consumer			3			148			3			150
Total			69		$	16,076			70		$	16,085
The following presents, disaggregated by class, information regarding TDRs executed during the three months ended March 31, 2014 and 2013 (dollars in thousands):
		Three Months Ended March 31,
		2014									2013
					Pre-Modification			Post-Modification						Pre-Modification			Post-Modification
		Number			Outstanding			Outstanding			Number			Outstanding			Outstanding
		of			Recorded			Recorded			of			Recorded			Recorded
New TDRs		Loans			Balance			Balance			Loans			Balance			Balance
Commercial and industrial			3		$	377		$	377			2		$	320		$	320
Residential mortgages			-			-			-			3			905			905
Consumer			-			-			-			1			17			17
Total			3		$	377		$	377			6		$	1,242		$	1,242
Presented below and disaggregated by class is information regarding loans modified as TDRs that had payment defaults of 90 days or more within twelve months of restructuring during the three months ended March 31, 2014 and 2013 (dollars in thousands):
		Three Months Ended March 31,
		2014						2013
					Outstanding						Outstanding
		Number			Recorded			Number			Recorded
Defaulted TDRs		of Loans			Balance			of Loans			Balance
Commercial real estate			2		$	1,596			-		$	-
Total			2		$	1,596			-		$	-
Not all loan modifications are TDRs. In some cases, the Company might provide a concession, such as a reduction in interest rate, but the borrower is not experiencing financial distress. This could be the case if the Company is matching a competitor’s interest rate.
The following presents information regarding modifications and renewals executed during the three months ended March 31, 2014 and 2013 that are not considered TDRs (dollars in thousands):
		Three Months Ended March 31,
		2014						2013
					Outstanding						Outstanding
		Number			Recorded			Number			Recorded
Non-TDR Modifications		of Loans			Balance			of Loans			Balance
Commercial real estate			3		$	1,422			11		$	19,703
Total			3		$	1,422			11		$	19,703
The following table presents a summary of non-performing assets for each period (in thousands):
		31-Mar-14			31-Dec-13
Non-accrual loans		$	14,059		$	15,183
Non-accrual loans held for sale			-			-
Loans 90 days past due and still accruing			-			-
OREO			-			-
Total non-performing assets		$	14,059		$	15,183
TDRs accruing interest		$	10,631		$	10,647
TDRs non-accruing		$	5,445		$	5,438
At March 31, 2014 and December 31, 2013, non-accrual loans disaggregated by class were as follows (dollars in thousands):
		31-Mar-14												31-Dec-13
		Non-			% of			Total			% of			Non-			% of			Total			% of
		accrual			Total			Loans			Total			accrual			Total			Loans			Total
		loans									Loans			loans									Loans
Commercial and industrial		$	4,843			34.4	%	$	165,019			0.4	%	$	5,014			33	%	$	171,199			0.4	%
Commercial real estate			6,936			49.3			489,958			0.6			7,492			49.3			469,357			0.7
Multifamily			-			-			221,841			-			-			-			184,624			-
Real estate construction			-			-			14,940			-			-			-			6,565			-
Residential mortgages			1,840			13.1			173,347			0.2			1,897			12.5			169,552			0.2
Home equity			431			3.1			55,250			-			647			4.3			57,112			0.1
Consumer			9			0.1			9,463			-			133			0.9			10,439			-
Total		$	14,059			100	%	$	1,129,818			1.2	%	$	15,183			100	%	$	1,068,848			1.4	%
Additional interest income of approximately $494 thousand and $406 thousand would have been recorded during the three months ended March 31, 2014 and 2013, respectively, if non-accrual loans had performed in accordance with their original terms.
The following table presents the collateral value securing non-accrual loans for each period (in thousands):
		31-Mar-14						31-Dec-13
		Principal			Collateral			Principal			Collateral
		Balance			Value			Balance			Value
Commercial and industrial (1)		$	4,843		$	3,750		$	5,014		$	3,750
Commercial real estate			6,936			9,960			7,492			13,050
Residential mortgages			1,840			4,565			1,897			3,764
Home equity			431			975			647			3,072
Consumer			9			-			133			-
Total		$	14,059		$	19,250		$	15,183		$	23,636
(1) Repayment of commercial and industrial loans is expected primarily from the cash flow of the business. The collateral typically securing these loans is a lien on all corporate assets via a blanket UCC filing and does not usually include real estate. For purposes of this disclosure, the Company has ascribed no value to the non-real estate collateral for this class of loans.
At March 31, 2014 and December 31, 2013, past due loans disaggregated by class were as follows (in thousands).
		Past Due
31-Mar-14		30 - 59 days			60 - 89 days			90 days and over			Total			Current			Total
Commercial and industrial		$	159		$	83		$	4,843		$	5,085		$	159,934		$	165,019
Commercial real estate			979			-			6,936			7,915			482,043			489,958
Multifamily			-			-			-			-			221,841			221,841
Real estate construction			-			-			-			-			14,940			14,940
Residential mortgages			1,636			-			1,840			3,476			169,871			173,347
Home equity			807			24			431			1,262			53,988			55,250
Consumer			55			9			9			73			9,390			9,463
Total		$	3,636		$	116		$	14,059		$	17,811		$	1,112,007		$	1,129,818
% of Total Loans			0.3	%		-			1.3	%		1.6	%		98.4	%		100	%
		Past Due
31-Dec-13		30 - 59 days			60 - 89 days			90 days and over			Total			Current			Total
Commercial and industrial		$	13		$	-		$	5,014		$	5,027		$	166,172		$	171,199
Commercial real estate			631			-			7,492			8,123			461,234			469,357
Multifamily			-			-			-			-			184,624			184,624
Real estate construction			-			-			-			-			6,565			6,565
Residential mortgages			1,535			339			1,897			3,771			165,781			169,552
Home equity			795			100			647			1,542			55,570			57,112
Consumer			75			-			133			208			10,231			10,439
Total		$	3,049		$	439		$	15,183		$	18,671		$	1,050,177		$	1,068,848
% of Total Loans			0.3	%		-			1.4	%		1.7	%		98.3	%		100	%
The Bank utilizes an eight-grade risk-rating system for commercial and industrial loans, commercial real estate and construction loans. Loans in risk grades 1- 4 are considered pass loans. The Bank’s risk grades are as follows:
Risk Grade 1, Excellent - Loans secured by liquid collateral such as certificates of deposit, reputable bank letters of credit, or other cash equivalents; loans that are guaranteed or otherwise backed by the full faith and credit of the United States government or an agency thereof, such as the Small Business Administration; or loans to any publicly held company with a current long-term debt rating of A or better.
Risk Grade 2, Good -  Loans to businesses that have strong financial statements containing an unqualified opinion from a CPA firm and at least three consecutive years of profits; loans supported by un-audited financial statements containing strong balance sheets, five consecutive years of profits, a five-year satisfactory relationship with the Bank, and key balance sheet and income statement trends that are either stable or positive; loans secured by publicly traded marketable securities where there is no impediment to liquidation; loans to individuals backed by liquid personal assets, established credit history, and unquestionable character; or loans to publicly held companies with current long-term debt ratings of Baa or better.
Risk Grade 3, Satisfactory - Loans supported by financial statements (audited or un-audited) that indicate average or slightly below average risk and having some deficiency or vulnerability to changing economic conditions; loans with some weakness but offsetting features of other support are readily available; loans that are meeting the terms of repayment, but which may be susceptible to deterioration if adverse factors are encountered. Loans may be graded Satisfactory when there is no recent information on which to base a current risk evaluation and the following conditions apply:
	·	At inception, the loan was properly underwritten, did not possess an unwarranted level of credit risk, and the loan met the above criteria for a risk grade of Excellent, Good, or Satisfactory.
	·	At inception, the loan was secured with collateral possessing a loan value adequate to protect the Bank from loss.
	·	The loan has exhibited two or more years of satisfactory repayment with a reasonable reduction of the principal balance.
	·	During the period that the loan has been outstanding, there has been no evidence of any credit weakness. Some examples of weakness include slow payment, lack of cooperation by the borrower, breach of loan covenants or the borrower is in an industry known to be experiencing problems. If any of these credit weaknesses is observed, a lower risk grade may be warranted.
Risk Grade 4, Satisfactory/Monitored - Loans in this category are considered to be of acceptable credit quality, but contain greater credit risk than satisfactory loans due to weak balance sheets, marginal earnings or cash flow, or other uncertainties. These loans warrant a higher than average level of monitoring to ensure that weaknesses do not advance. The level of risk in a Satisfactory/Monitored loan is within acceptable underwriting guidelines so long as the loan is given the proper level of management supervision.
Risk Grade 5, Special Mention - Loans which possess potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or in the institution’s credit position at some future date. Special Mention loans are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification. The key distinctions of a Special Mention classification are that (1) it is indicative of an unwarranted level of risk and (2) weaknesses are considered potential not defined impairments to the primary source of repayment.
Risk Grade 6, Substandard - One or more of the following characteristics may be exhibited in loans classified Substandard:
	·	Loans which possess a defined credit weakness. The likelihood that a loan will be paid from the primary source of repayment is uncertain. Financial deterioration is under way and very close attention is warranted to ensure that the loan is collected without loss.
	·	Loans are inadequately protected by the current net worth and paying capacity of the obligor.
	·	The primary source of repayment is gone, and the Bank is forced to rely on a secondary source of repayment, such as collateral liquidation or guarantees.
	·	Loans have a distinct possibility that the Bank will sustain some loss if deficiencies are not corrected.
	·	Unusual courses of action are needed to maintain a high probability of repayment.
	·	The borrower is not generating enough cash flow to repay loan principal; however, it continues to make interest payments.
	·	The lender is forced into a subordinated or unsecured position due to flaws in documentation.
	·	Loans have been restructured so that payment schedules, terms, and collateral represent concessions to the borrower when compared to the normal loan terms.
	·	The lender is seriously contemplating foreclosure or legal action due to the apparent deterioration in the loan.
	·	There is a significant deterioration in market conditions to which the borrower is highly vulnerable.
Risk Grade 7, Doubtful - One or more of the following characteristics may be present in loans classified Doubtful:
	·	Loans have all of the weaknesses of those classified as Substandard. However, based on existing conditions, these weaknesses make full collection of principal highly improbable.
	·	The primary source of repayment is gone, and there is considerable doubt as to the quality of the secondary source of repayment.
	·	The possibility of loss is high but because of certain important pending factors which may strengthen the loan, loss classification is deferred until the exact status of repayment is known.
Risk Grade 8, Loss - Loans are considered uncollectible and of such little value that continuing to carry them as assets is not feasible. Loans will be classified Loss when it is neither practical nor desirable to defer writing off or reserving all or a portion of a basically worthless asset, even though partial recovery may be possible at some time in the future.
The following presents the Company’s loan portfolio credit risk profile by internally assigned grade disaggregated by class of loan at March 31, 2014 and December 31, 2013 (in thousands).
31-Mar-14		Commercial			Commercial			Multifamily			Real estate			Residential			Home			Consumer			Total			% of
		and			real estate						construction			mortgages			equity									Total
		industrial
Grade:
Pass		$	152,091		$	468,449		$	221,841		$	14,940		$	168,755		$	54,819		$	9,306		$	1,090,201			96.5	%
Special mention			3,563			2,786			-			-			-			-			-			6,349			0.6
Substandard			9,365			18,723			-			-			4,592			431			157			33,268			2.9
Total		$	165,019		$	489,958		$	221,841		$	14,940		$	173,347		$	55,250		$	9,463		$	1,129,818			100	%
31-Dec-13		Commercial			Commercial			Multifamily			Real estate			Residential			Home			Consumer			Total			% of
		and			real estate						construction			mortgages			equity									Total
		industrial
Grade:
Pass		$	158,536		$	445,302		$	184,624		$	6,565		$	164,559		$	56,379		$	10,156		$	1,026,121			96	%
Special mention			2,934			2,817			-			-			-			-			-			5,751			0.5
Substandard			9,729			21,238			-			-			4,993			733			283			36,976			3.5
Total		$	171,199		$	469,357		$	184,624		$	6,565		$	169,552		$	57,112		$	10,439		$	1,068,848			100	%
The Bank annually reviews the ratings on all commercial and industrial, commercial real estate and real estate construction loans greater than $1 million. Semi-annually, the Bank engages an independent third-party to review a significant portion of loans within these loan classes. Management uses the results of these reviews as part of its ongoing review process.

EMPLOYEE_BENEFITS

EMPLOYEE BENEFITS	3 Months Ended
	Mar. 31, 2014
EMPLOYEE BENEFITS [Abstract]	'
EMPLOYEE BENEFITS	'
	5. EMPLOYEE BENEFITS
	Retirement Plan - The Company’s retirement plan is noncontributory and covers substantially all eligible employees. The plan conforms to the provisions of the Employee Retirement Income Security Act of 1974, as amended, and the Pension Protection Act of 2006, which requires certain funding rules for defined benefit plans. The Company’s policy is to accrue for all pension costs and to fund the maximum amount allowable for tax purposes. Actuarial gains and losses that arise from changes in assumptions concerning future events are amortized over a period that reflects the long-term nature of pension expense used in estimating pension costs.
	The Company accounts for its retirement plan in accordance with ASC 715, “Compensation – Retirement Benefits” and ASC 960, “Plan Accounting – Defined Benefit Pension Plans,” which require an employer that is a business entity and sponsors one or more single-employer defined benefit plans to recognize the funded status of a benefit plan on its balance sheet; recognize as a component of other comprehensive income, net of tax, the gains or losses and prior service costs or credits that arise during the period but are not recognized as components of net periodic benefit cost; measure defined benefit plan assets and obligation as of the date of fiscal year-end statement of financial position (with limited exceptions); and disclose in the notes to financial statements additional information about certain effects of net periodic benefit cost for the next fiscal year that arise from delayed recognition of the gains or losses, prior service costs or credits, and transition asset and obligation. Plan assets and benefit obligations shall be measured as of the date of its statement of financial position and in determining the amount of net periodic benefit cost. An employer is required to use the same date for the measurement of plan assets as for the statement of condition.
	On December 31, 2012, certain provisions of the Company’s retirement plan were changed which affected all participants in this plan and froze the participation of new entrants into the pension plan for all remaining employees in 2012. These changes froze the plan such that no additional pension benefits would accumulate.
	The following table summarizes the net periodic pension credit (in thousands):
		Three Months Ended March 31,
		2014			2013
	Interest cost	$	540		$	498
	Expected return on plan assets		(637	)		(575	)
	Net amortization		6			61
	Net periodic pension credit	$	(91	)	$	(16	)
	In December 2012, the Company made an annual minimum contribution of $1 million for the plan year ended September 30, 2013. There was no additional minimum required contribution for the plan year ended September 30, 2013. The Company does not expect to contribute to its pension plan in 2014.
	Post-Retirement Benefits other than Pension - The Company formerly provided life insurance benefits to employees meeting eligibility requirements. Employees hired after December 31, 1997 were not eligible for retiree life insurance. No other welfare benefits were provided. In the second quarter of 2013, the Company terminated all post-retirement life insurance benefits and recorded a non-recurring gain of $1.7 million as a credit to employee compensation and benefits expense in the Company’s consolidated statement of operations.

STOCKBASED_COMPENSATION

STOCK-BASED COMPENSATION	3 Months Ended
	Mar. 31, 2014
STOCK-BASED COMPENSATION [Abstract]	'
STOCK-BASED COMPENSATION	'
	6. STOCK-BASED COMPENSATION
	Under the terms of the Company’s stock option plans adopted in 1999 and 2009, options have been granted to key employees and directors to purchase shares of the Company’s stock. Under the 2009 Stock Incentive Plan (“the Plan”), a total of 500,000 shares of the Company’s common stock were reserved for issuance, of which 268,499 shares remain for possible issuance at March 31, 2014. There are no remaining shares reserved for issuance under the 1999 Stock Option Plan. Options are awarded by the Compensation Committee of the Board of Directors. Both plans provide that the option price shall not be less than the fair value of the common stock on the date the option is granted. All options are exercisable for a period of ten years or less.
	No options were granted during the first three months of 2014. Options granted in 2013 and 2012 are exercisable over a three-year period commencing one year from the date of grant at a rate of one third per year. Options granted in 2011 are exercisable over a three-year period commencing three years from the date of grant at a rate of one third per year. No options were exercised during the first three months of 2014 and 2013.
	Both plans provide for but do not require the grant of stock appreciation rights (“SARs”) that the holder may exercise instead of the underlying option. At March 31, 2014, there were 6,000 SARs outstanding related to options granted before 2011. The SARs had no intrinsic value at March 31, 2014. When the SAR is exercised, the underlying option is canceled. The optionee receives shares of common stock or cash with a fair market value equal to the excess of the fair value of the shares subject to the option at the time of exercise (or the portion thereof so exercised) over the aggregate option price of the shares set forth in the option agreement. The exercise of SARs is treated as the exercise of the underlying option.
	In 2011 the Company granted an award of 30,000 non-qualified stock options at an exercise price of $10.79 per share to its President and Chief Executive Officer as a material inducement to employment with the Company. The non-qualified options were not issued as part of any of the Company’s registered stock-based compensation plans. The options are exercisable over a three-year period commencing three years from the date of grant at a rate of one third per year.
	A summary of stock option activity follows:
							Weighted-Average
			Number				Exercise Price
			of Shares				Per Share
	Outstanding, January 1, 2014			291,000			$	16.18
	Granted			-				-
	Exercised			-				-
	Forfeited or expired			(9,166	)		$	20.27
	Outstanding, March 31, 2014			281,834			$	16.04
	The following summarizes shares subject to purchase from stock options outstanding and exercisable as of March 31, 2014:
					Outstanding						Exercisable
								Weighted-Average					Weighted-Average
	Range of							Remaining	Weighted-Average				Remaining	Weighted-Average
	Exercise Prices				Shares			Contractual Life	Exercise Price		Shares		Contractual Life	Exercise Price
	$	10.00 - $14.00				140,000		7.9 years	$	12.01		50,003	8.0 years	$	12.81
	$	14.01 - $20.00				114,834		9.2 years	$	17.24		11,668	8.8 years	$	14.47
	$	20.01 - $30.00				5,000		4.8 years	$	28.3		5,000	4.8 years	$	28.3
	$	30.01 - $40.00				22,000		2.3 years	$	32.69		22,000	2.3 years	$	32.69
						281,834		8.0 years	$	16.04		88,671	6.5 years	$	18.83
	The Company accounts for stock-based compensation on a modified prospective basis with the fair value of grants of employee stock options recognized in the financial statements. Compensation expense related to stock-based compensation amounted to $165 thousand and $82 thousand for the three months ended March 31, 2014 and 2013, respectively. The remaining unrecognized compensation cost of approximately $728 thousand at March 31, 2014 will be expensed over the remaining weighted average vesting period of approximately 2.3 years.

INCOME_TAXES

INCOME TAXES	3 Months Ended
	Mar. 31, 2014
INCOME TAXES [Abstract]	'
INCOME TAXES	'
	7. INCOME TAXES
	The deferred tax assets and liabilities are netted and presented in a single amount which is included in deferred taxes in the accompanying consolidated statements of condition. The realization of deferred tax assets (“DTAs”) (net of a recorded valuation allowance) is largely dependent upon future taxable income, future reversals of existing taxable temporary differences and the ability to carry back losses to available tax years. In assessing the need for a valuation allowance, the Company considers positive and negative evidence, including taxable income in carryback years, scheduled reversals of deferred tax liabilities, expected future taxable income and tax planning strategies.  The Company applied a carryback of the net operating losses for 2012, which resulted in $5 million included in income tax receivable in the 2012 consolidated statement of condition, and which was received in November 2013. At March 31, 2014 the Company had net operating loss carryforwards of approximately $3.3 million and $20.0 million for Federal and New York State (“NYS”) income tax purposes, respectively, which may be applied against future taxable income. The Company has a full valuation allowance of $464 thousand, tax effected, on the NYS net operating loss due to the Company’s significant tax-exempt investment income in NYS. The valuation allowance may be reversed to income in future periods to the extent that the related DTAs are realized or when the Company returns to consistent, taxable earnings in NYS. Management believes it is more likely than not that forecasted income, including income that may be generated as a result of certain tax planning strategies, together with the tax effects of the deferred tax liabilities, will be sufficient to fully recover the remaining DTAs. Both the Federal and NYS unused net operating loss carryforwards are expected to expire in varying amounts through the year 2032. It is anticipated that the Federal carryforward will be utilized prior to its expiration based on the Company’s future years’ projected earnings.
	On March 31, 2014, Governor Andrew Cuomo signed legislation to implement the New York State fiscal plan for 2014 – 2015.   This legislation encompasses significant changes to New York’s bank tax regime, most notably by merging the bank tax into the general corporate tax law.  In addition, the new budget law simplifies the code by setting forth a single apportionment factor.  The corporate tax rate will be lowered from 7.1% to 6.5% in 2016.  Furthermore, for community banks (all banks and thrifts with $8 billion or less in assets) there is a subtraction modification for a portion of interest earned on all residential and small business loans with a principal amount of up to $5 million made to New York borrowers. All banks in this category that have a REIT on April 1, 2014, and in the applicable tax year would instead get a deduction based on their REIT's dividends paid deduction. The Company had a qualifying REIT on April 1, 2014 and is less than $8 billion in assets. If a change in a tax law or rate occurs, any existing deferred tax liability or asset must be adjusted. The effect is reflected in operations in the period of the enactment of the change in the tax law or rate.  As such, the Company made an adjustment as of March 31, 2014 to increase its DTAs resulting in a net income tax credit of $462 thousand in the first quarter of 2014.
	Offsetting the net income tax credit, was a $454 thousand income tax expense related to an adjustment of the Company’s stock based compensation included in the DTAs primarily for stock options that had expired or been forfeited by former employees. The adjustment relates primarily to prior periods, but management has determined that it is not material, and as such, has included it in the current quarter’s results.
	The Company had unrecognized tax benefits including interest of approximately $34 thousand for all periods presented.
	The Company recognizes interest and penalties accrued relating to unrecognized tax benefits in income tax expense. There is no accrued interest relating to uncertain tax positions as of March 31, 2014. The Company files income tax returns in the U.S. federal jurisdiction and in New York State. Federal returns are subject to audits by tax authorities and the Company is currently under an audit for the tax years 2010 through 2012. The Company does not expect a significant change in income taxes as a result of this audit.  In 2012, New York State audited the Company and Suffolk Greenway, Inc., a subsidiary of the Bank, for the years 2008, 2009 and 2010 and there was no change as a result of these audits. It is not anticipated that the unrecognized tax benefits will significantly change over the next 12 months.

REGULATORY_MATTERS

REGULATORY MATTERS	3 Months Ended
	Mar. 31, 2014
REGULATORY MATTERS [Abstract]	'
REGULATORY MATTERS	'
	8. REGULATORY MATTERS
	The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital requirements that involve quantitative measures of the Company’s and the Bank’s assets, liabilities and certain off-balance-sheet items calculated under regulatory accounting practices. The Company’s and the Bank’s capital amounts and the Bank’s classification are also subject to qualitative judgments by the regulators about components, risk weighting and other factors.
	Quantitative measures established by regulation to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios of total and tier 1 capital, as defined in the federal banking regulations, to risk-weighted assets and of tier 1 capital to adjusted average assets (leverage). Management believes, as of March 31, 2014, that the Company and the Bank met all such capital adequacy requirements to which it is subject.
	The Bank’s capital amounts (in thousands) and ratios are as follows:
							Minimum					Minimum to be Well
							for capital					Capitalized under prompt
		Actual capital ratios					adequacy					corrective action provisions
		Amount		Ratio			Amount		Ratio			Amount		Ratio
	31-Mar-14
	Total capital to risk-weighted assets	$	188,551		14.73	%	$	102,394		8	%	$	127,992		10	%
	Tier 1 capital to risk-weighted assets		172,527		13.48	%		51,197		4	%		76,795		6	%
	Tier 1 capital to adjusted average assets (leverage)		172,527		10.2	%		67,629		4	%		84,536		5	%
	31-Dec-13
	Total capital to risk-weighted assets	$	181,952		14.92	%	$	97,542		8	%	$	121,927		10	%
	Tier 1 capital to risk-weighted assets		166,683		13.67	%		48,771		4	%		73,156		6	%
	Tier 1 capital to adjusted average assets (leverage)		166,683		9.74	%		68,454		4	%		85,567		5	%
	The Company’s tier 1 leverage, tier 1 risk-based and total risk-based capital ratios were 10.27%, 13.57% and 14.82%, respectively, at March 31, 2014 versus 9.81%, 13.77% and 15.02%, respectively, at December 31, 2013.
	The ability of the Bank to pay dividends to the Company is subject to certain regulatory restrictions. Generally, dividends declared in a given year by a national bank are limited to its net profit, as defined by regulatory agencies, for that year, combined with its retained net income for the preceding two years, less any required transfer to surplus or to fund for the retirement of any preferred stock. In addition, a national bank may not pay dividends in an amount greater than its undivided profits or declare any dividends if such declaration would leave the bank inadequately capitalized. Also, the ability of the Bank to declare dividends will depend on the prior approval of the Federal Reserve Bank (“FRB”).
	In July 2013, the OCC approved new rules on regulatory capital applicable to national banks, implementing Basel III. Most banking organizations are required to apply the new capital rules on January 1, 2015. The final rules set a new common equity tier 1 requirement and higher minimum tier 1 requirements for all banking organizations. They also place limits on capital distributions and certain discretionary bonus payments if a banking organization does not maintain a buffer of common equity tier 1 capital above minimum capital requirements. The rules revise the prompt corrective action framework to incorporate the new regulatory capital minimums. They also enhance risk sensitivity and address weaknesses identified over recent years with the measure of risk-weighted assets, including through new measures of creditworthiness to replace references to credit ratings, consistent with section 939A of the Dodd-Frank Wall Street Reform and Consumer Protection Act (“Dodd-Frank Act”). Based on our capital levels and balance sheet composition at March 31, 2014, we believe implementation of the new rules will not have a material impact on our capital needs.

FAIR_VALUE

FAIR VALUE	3 Months Ended
	Mar. 31, 2014
FAIR VALUE [Abstract]	'
FAIR VALUE	'
	9. FAIR VALUE
	Fair value measurement is determined based on the assumptions that market participants would use in pricing the asset or liability in an exchange. The definition of fair value includes the exchange price which is the price in an orderly transaction between market participants to sell an asset or transfer a liability in the principal market for the asset or liability. Market participant assumptions include assumptions about risk, the risk inherent in a particular valuation technique used to measure fair value and/or the risk inherent in the inputs to the valuation technique, as well as the effect of credit risk on the fair value of liabilities. The Company uses three levels of the fair value inputs to measure assets, as described below.
	Basis of Fair Value Measurement:
	Level 1 – Valuations based on quoted prices in active markets for identical investments.
	Level 2 – Valuations based on quoted prices in markets that are not active or for which all significant inputs are observable, either directly or indirectly. Level 2 inputs include: (i) quoted prices for similar investments in active markets, (ii) quoted prices for identical investments traded in non-active markets (i.e., dealer or broker markets) and (iii) inputs other than quoted prices that are observable or inputs derived from or corroborated by market data for substantially the full term of the investment.
	Level 3 – Valuations based on inputs that are unobservable, supported by little or no market activity, and significant to the overall fair value measurement.
	The types of instruments valued based on quoted market prices in active markets include most U.S. Treasury securities. Such instruments are generally classified within Level 1 and Level 2 of the fair value hierarchy. The Company does not adjust the quoted price for such instruments.
	The types of instruments valued based on quoted prices in markets that are not active, broker or dealer quotations, or alternative pricing sources with reasonable levels of price transparency include U.S. Government agency securities, state and municipal obligations, MBS, CMOs and corporate bonds. Such instruments are generally classified within Level 2 of the fair value hierarchy.
	The types of instruments valued based on significant unobservable inputs that reflect the Company’s own assumptions about the assumptions that market participants would use in pricing an asset or liability are generally classified within Level 3 of the fair value hierarchy.
	ASC 820, “Fair Value Measurements and Disclosures,” presents requirements for measuring fair value and for disclosing information about fair value measurements, including a consistent meaning of the term fair value. ASC 820 provides additional guidance in determining fair values when the volume and level of activity for the asset or liability have significantly decreased, particularly when there is no active market or where the price inputs being used represent distressed sales. It also provides guidelines for making fair value measurements more consistent with principles, reaffirming the need to use judgment to ascertain if a formerly active market has become inactive and in determining fair values when markets become inactive.
	The following table presents the carrying amounts and estimated fair values of the Company’s financial instruments (in thousands).
		Level in		31-Mar-14				31-Dec-13
		Fair Value		Carrying		Estimated		Carrying		Estimated
		Heirarchy		Amount		Fair Value		Amount		Fair Value
	Cash and due from banks	Level 1		$	86,165	$	86,165	$	131,352	$	131,352
	Cash equivalents	Level 2			1,038		1,038		1,000		1,000
	Interest-bearing time deposits in other banks	Level 2			10,000		10,000		10,000		10,000
	Federal Reserve Bank, Federal Home Loan
	Bank and other stock	N/	A		2,863		N/A		2,863		N/A
	Investment securities held to maturity	Level 2			45,479		46,008		11,666		12,234
	Investment securities available for sale	Level 2			364,148		364,148		400,780		400,780
	Loans held for sale	Level 2			190		190		175		175
	Loans, net of allowance	Level 2, 3 (1)			1,112,081		1,112,942		1,051,585		1,056,279
	Bank owned life insurance	Level 3			44,109		44,109		38,755		38,755
	Accrued interest and loan fees receivable	Level 2			6,322		6,322		5,441		5,441
	Non-maturity deposits	Level 2			1,295,095		1,295,095		1,284,982		1,284,982
	Time deposits	Level 2			228,339		229,064		225,079		225,946
	Accrued interest payable	Level 2			160		160		160		160
	(1) Impaired loans are generally classified within Level 3 of the fair value hierarchy.
	Fair value estimates are made at a specific point in time and may be based on judgments regarding losses expected in the future, risk, and other factors that are subjective in nature. The methods and assumptions used to produce the fair value estimates follow.
	The Company records investments available for sale and mortgage servicing rights at fair value. For cash and due from banks, cash equivalents, interest-bearing time deposits in other banks, bank owned life insurance, accrued interest and loan fees receivable, non-maturity deposits and accrued interest payable, the carrying amount is a reasonable estimate of fair value. Time deposits are valued using a replacement cost of funds approach.
	Fair values are estimated for portfolios of loans with similar characteristics. The fair value of performing loans was calculated by discounting projected cash flows through their estimated maturity using market discount rates that reflect the general credit and interest rate characteristics of the loan category. The maturity horizon is based on the Bank’s history of repayments for each type of loan and an estimate of the effect of current economic conditions. Fair value for significant non-performing loans is based on recent external appraisals of collateral, if any. If appraisals are not available, estimated cash flows are discounted using a rate commensurate with the associated risk. Assumptions regarding credit risk, cash flows, and discount rates are made using available market information and specific borrower information.
	OREO properties are initially recorded at fair value, less estimated costs to sell when acquired, establishing a new cost basis. Adjustments to OREO are measured at fair value, less estimated costs to sell. Fair values are generally based on third party appraisals or realtor evaluations of the property. These appraisals and evaluations may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification. In cases where the carrying amount exceeds the fair value, less estimated costs to sell, an impairment loss is recognized through a valuation allowance, and the property is reported as non-recurring Level 3.
	Loans identified as impaired are measured using one of three methods: the loan’s observable market price, the fair value of collateral less estimated costs to sell or the present value of expected future cash flows. Those measured using the loan’s observable market price or the fair value of collateral are recorded at fair value. For each period presented, no impaired loans were measured using the loan’s observable market price. If an impaired loan has had a charge-off or if the fair value of the collateral is less than the recorded investment in the loan, the Company establishes a specific reserve and reports the loan as non-recurring Level 3. The fair value of collateral of impaired loans is generally based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value.
	The fair value of loans held for sale is based on observable inputs in the secondary market.
	The fair value of commitments to extend credit was estimated by either discounting cash flows or using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the current creditworthiness of the counter-parties. The estimated fair value of written financial guarantees and letters of credit is based on fees currently charged for similar agreements. The fees charged for the commitments were not material in amount.
	During the second and third quarters of 2013, the Company entered into derivative swap contracts with the purchaser of its Visa Class B shares. The fair value of these derivatives is measured using an internal model that includes the use of probability weighted scenarios for estimates of Visa’s aggregate exposure to the litigation matters, with consideration of amounts funded by Visa into its escrow account for this litigation. As a result, the Company estimates a fair value for these derivatives at 12% of the net sale proceeds from the Company’s sale of the related Visa Class B shares. Since this estimation process requires application of judgment in developing significant unobservable inputs used to determine the possible outcomes and the probability weighting assigned to each scenario, these derivatives have been classified as Level 3 within the valuation hierarchy. (See also Note 3. Investment Securities contained herein.)
	The following presents fair value measurements on a recurring basis at March 31, 2014 and December 31, 2013 (in thousands):
				Fair Value Measurements Using
				Significant Other		Significant
				Observable Inputs		Unobservable Inputs
	Assets:	31-Mar-14		(Level 2)		(Level 3)
	U.S. Government agency securities	$	66,761	$	66,761	$	-
	Corporate bonds		15,684		15,684		-
	Collateralized mortgage obligations		27,299		27,299		-
	Mortgage-backed securities		98,481		98,481		-
	Obligations of states and political subdivisions		155,923		155,923		-
	Loans held for sale		190		190		-
	Mortgage servicing rights		2,179		-		2,179
	Total	$	366,517	$	364,338	$	2,179
	Liabilities:
	Derivatives		932	$	-	$	932
	Total	$	932	$	-	$	932
				Fair Value Measurements Using
				Significant Other		Significant
				Observable Inputs		Unobservable Inputs
	Assets:	31-Dec-13		(Level 2)		(Level 3)
	U.S. Government agency securities	$	100,095	$	100,095	$	-
	Corporate bonds		15,651		15,651		-
	Collateralized mortgage obligations		30,104		30,104		-
	Mortgage-backed securities		97,767		97,767		-
	Obligations of states and political subdivisions		157,163		157,163		-
	Loans held for sale		175		175		-
Mortgage servicing rights		2,163		-		2,163
Total	$	403,118	$	400,955	$	2,163
Liabilities:
Derivatives		932	$	-	$	932
Total	$	932	$	-	$	932
Reconciliations for assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs (Level 3) follow (in thousands).
Fair Value Measurements Using Significant Unobservable Inputs (Level 3)
	Three Months Ended March 31,
	2014				2013
	Assets		Liabilities		Assets
	Mortgage		Derivatives		Mortgage
	Servicing Rights				Servicing Rights
Balance, January 1	$	2,163	$	932	$	1,856
Net increase		16		-		183
Balance, March 31	$	2,179	$	932	$	2,039
Assets measured at fair value on a non-recurring basis are as follows (in thousands):
Assets:	31-Mar-14		Fair Value
			Measurements Using
			Significant Unobservable
			Inputs (Level 3)
Impaired loans	$	15,510	$	15,510
Total	$	15,510	$	15,510
Assets:	31-Dec-13		Fair Value
			Measurements Using
			Significant Unobservable
			Inputs (Level 3)
Impaired loans	$	16,942	$	16,942
Total	$	16,942	$	16,942

LEGAL_PROCEEDINGS

LEGAL PROCEEDINGS	3 Months Ended
	Mar. 31, 2014
LEGAL PROCEEDINGS [Abstract]	'
LEGAL PROCEEDINGS	'
	10. LEGAL PROCEEDINGS
	Certain lawsuits and claims arising in the ordinary course of business. have been filed or are pending against us or our affiliates. In accordance with applicable accounting guidance, we establish accruals for all lawsuits, claims and expected settlements when we believe it is probable that a loss has been incurred and the amount of the loss is reasonably estimable. When a loss contingency is not both probable and estimable, we do not establish an accrual. Any such loss estimates are inherently uncertain, based on currently available information and are subject to management’s judgment and various assumptions. Due to the inherent subjectivity of these estimates and unpredictability of outcomes of legal proceedings, any amounts accrued may not represent the ultimate resolution of such matters.
	To the extent we believe any potential loss relating to such lawsuits and claims may have a material impact on our liquidity, consolidated financial position, results of operations, and/or our business as a whole and is reasonably possible but not probable, we disclose information relating to any such potential loss, whether in excess of any established accruals or where there is no established accrual. We also disclose information relating to any material potential loss that is probable but not reasonably estimable. Where reasonably practicable, we will provide an estimate of loss or range of potential loss. No disclosures are generally made for any loss contingencies that are deemed to be remote.
	Based upon information available to us and our review of lawsuits and claims filed or pending against us to date, we have not recognized a material accrual liability for these matters, nor do we currently expect it is reasonably possible that these matters will result in a material liability to the Company. However, the outcome of litigation and other legal and regulatory matters is inherently uncertain, and it is possible that one or more of such matters currently pending or threatened could have an unanticipated material adverse effect on our liquidity, consolidated financial position, results of operations, and/or our business as a whole, in the future.

FINANCIAL_STATEMENT_PRESENTATI1

FINANCIAL STATEMENT PRESENTATION AND SIGNIFICANT ACCOUNTING POLICIES (Policies)	3 Months Ended
	Mar. 31, 2014
FINANCIAL STATEMENT PRESENTATION AND SIGNIFICANT ACCOUNTING POLICIES [Abstract]	'
Loans and Loan Interest Income Recognition	'
	Loans and Loan Interest Income Recognition - Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, net of unearned discounts, deferred loan fees and costs. Unearned discounts on installment loans are credited to income using methods that result in a level yield. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income over the respective term of the loan without anticipating prepayments.
	Interest income is accrued on the unpaid loan principal balance. Recognition of interest income is discontinued when reasonable doubt exists as to whether principal or interest due can be collected. Loans of all classes will generally no longer accrue interest when over 90 days past due unless the loan is well-secured and in process of collection. When a loan is placed on non-accrual status, all interest previously accrued, but not collected, is reversed against current-year interest income. Interest received on such loans is applied against principal or interest, according to management’s judgment as to the collectability of the principal, until qualifying for return to accrual status. Loans start accruing interest again when they become current as to principal and interest for at least six months, and when, after a well-documented analysis by management, it has been determined that the loans can be collected in full.  For all classes of loans, an impaired loan is defined as a loan for which it is probable that the lender will not collect all amounts due under the contractual terms of the loan agreement. Loans for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties are considered troubled debt restructurings (“TDRs”) and are classified as impaired. Generally, TDRs are initially classified as non-accrual until sufficient time has passed to assess whether the restructured loan will continue to perform. For impaired, accruing loans, interest income is recognized on an accrual basis with cash offsetting the recorded accruals upon receipt.
Allowance for Loan Losses	'
	Allowance for Loan Losses - The allowance for loan losses is a valuation allowance for probable incurred losses, increased by the provision for loan losses and recoveries, and decreased by loan charge-offs. For all classes of loans, when a loan, in full or in part, is deemed uncollectible, it is charged against the allowance for loan losses. This happens when the loan is past due and the borrower has not shown the ability or intent to make the loan current, or the borrower does not have sufficient assets to pay the debt, or the value of the collateral is less than the balance of the loan and is not considered likely to improve soon. The allowance for loan losses is determined by a continuous analysis of the loan portfolio. Such analysis includes changes in the size and composition of the portfolio, the Company’s own historical loan losses, industry-wide losses, current and anticipated economic trends, and details about individual loans. It also includes estimates of the actual value of collateral, other possible sources of repayment and estimates that are susceptible to significant changes due to changes in appraisal values of collateral, national and regional economic conditions and other relevant factors. All non-accrual loans over $250 thousand in the commercial and industrial, commercial real estate and real estate construction loan classes and all TDRs are evaluated individually for impairment. All other loans are generally evaluated as homogeneous pools with similar risk characteristics. In assessing the adequacy of the allowance for loan losses, management reviews the loan portfolio by separate classes that have similar risk and collateral characteristics. These classes are commercial and industrial, commercial real estate, multifamily, real estate construction, residential mortgages, home equity and consumer loans.
	The allowance for loan losses consists of specific and general components. The specific component relates to loans that are individually classified as impaired. Specific reserves are established based on an analysis of the most probable sources of repayment and liquidation of collateral. Impaired loans that are collateral dependent are reviewed based on their collateral and the estimated time required to recover the Company’s investment in the loans, as well as the cost of doing so, and the estimate of the recovery. Non-collateral dependent impaired loans are reviewed based on the present value of estimated future cash flows, including balloon payments, if any, using the loan’s effective interest rate. While every impaired loan is evaluated individually, not every loan requires a specific reserve. Specific reserves fluctuate based on changes in the underlying loans, anticipated sources of repayment, and charge-offs. The general component covers non-impaired loans and is based on historical loss experience for each loan class from a rolling twelve quarter period and modifying those percentages, if necessary, after adjusting for current qualitative and environmental factors that reflect changes in the estimated collectability of the loan class not captured by historical loss data.  These factors augment actual loss experience and help estimate the probability of loss within the loan portfolio based on emerging or inherent risk trends. These qualitative factors are applied as an adjustment to historical loss rates and require judgments that cannot be subjected to exact mathematical calculation. These adjustments reflect management’s overall estimate of the extent to which current losses on a pool of loans will differ from historical loss experience. These adjustments are subjective estimates and management reviews them on a quarterly basis. TDRs are also considered impaired with impairment generally measured at the present value of estimated future cash flows using the loan’s effective interest rate at inception or using the fair value of collateral, less estimated costs to sell, if repayment is expected solely from the collateral.
Loans Held-For-Sale	'
	Loans Held For Sale – Loans held for sale are carried at the lower of aggregate cost or fair value, based on observable inputs in the secondary market. Changes in fair value of loans held for sale are recognized in earnings.
Bank Owned Life Insurance	'
	Bank Owned Life Insurance - Bank owned life insurance is recorded at the lower of the cash surrender value or the amount that can be realized under the insurance policy and is included as an asset in the consolidated statements of condition. Changes in the cash surrender value and insurance benefit payments are recorded in non-interest income in the consolidated statements of operations.
Derivatives	'
	Derivatives - Derivatives are contracts between counterparties that specify conditions under which settlements are to be made. The only derivatives held by the Company are swap contracts with the purchaser of its Visa Class B shares. The Company records its derivatives on the balance sheet at fair value. The Company’s derivatives do not qualify for hedge accounting. As a result, changes in fair value are recognized in earnings in the period in which they occur. (See also Note 3. Investment Securities contained herein.)
Recent Accounting Guidance	'
	Recent Accounting Guidance – In January 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2014-04, Receivables—Troubled Debt Restructurings by Creditors (Topic 310), “Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure,” to clarify when an in substance repossession or foreclosure occurs, that is, when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan receivable should be derecognized and the real estate property recognized. The ASU requires interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. The ASU is effective for fiscal years, and interim periods within those years, beginning after December 15, 2014. Management intends to adopt ASU 2014-04 on January 1, 2015 and does not believe that the adoption will have a material effect on the Company’s consolidated financial statements.
	In July 2013, the FASB issued ASU 2013-11, Income Taxes (Topic 740), “Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists,” to clarify the balance sheet presentation of an unrecognized tax benefit when a net operating loss carryforward, a similar tax loss, or a tax credit carryforward exists. The ASU requires an unrecognized tax benefit, or a portion of an unrecognized tax benefit, to be presented in the financial statements as a reduction to a deferred tax asset for a net operating loss carryforward, a similar tax loss, or a tax credit carryforward, except as follows. To the extent a net operating loss carryforward, a similar tax loss, or a tax credit carryforward is not available at the reporting date under the tax law of the applicable jurisdiction to settle any additional income taxes that would result from the disallowance of a tax position or the tax law of the applicable jurisdiction does not require the entity to use, and the entity does not intend to use, the deferred tax asset for such purpose, the unrecognized tax benefit should be presented in the financial statements as a liability and should not be combined with deferred tax assets. The ASU is effective for fiscal years, and interim periods within those years, beginning after December 15, 2013. The Company’s adoption of ASU 2013-11 on January 1, 2014 did not have a material effect on the Company’s consolidated financial statements.
Reclassifications	'
	Reclassifications — Certain reclassifications have been made to prior period information in order to conform to the current period’s presentation. Such reclassifications had no impact on the Company’s consolidated results of operations or financial condition.

ACCUMULATED_OTHER_COMPREHENSIV1

ACCUMULATED OTHER COMPREHENSIVE INCOME (AOCI) (Tables)	3 Months Ended
	Mar. 31, 2014
ACCUMULATED OTHER COMPREHENSIVE INCOME ("AOCI") [Abstract]	'
Changes in AOCI by component, net of tax	'
	The changes in the Company’s AOCI by component, net of tax, for the three months ended March 31, 2014 and 2013 follow (in thousands). The increase in net unrealized gains on available for sale securities for the three months ended March 31, 2014 resulted almost solely from the positive impact of a reduction in interest rates in 2014.
			Three Months Ended March 31, 2014											Three Months Ended March 31, 2013
			Unrealized Gains				Pension and				Total			Unrealized Gains			Pension and			Total
			and Losses on				Post-							and Losses on			Post-
			Available for Sale				Retirement							Available for Sale			Retirement
			Securities				Plan Items							Securities			Plan Items
	Beginning balance		$	(4,095	)		$	(3,194	)		$	(7,289	)	$	10,553		$	(7,667	)	$	2,886
	Other comprehensive income (loss) before reclassifications			3,088				-				3,088			(991	)		-			(991	)
	Amounts reclassified from AOCI			-				-				-			(229	)		-			(229	)
	Net other comprehensive income (loss)			3,088				-				3,088			(1,220	)		-			(1,220	)
	Ending balance		$	(1,007	)		$	(3,194	)		$	(4,201	)	$	9,333		$	(7,667	)	$	1,666
Reclassifications out of AOCI	'
	The table below presents reclassifications out of AOCI for the three months ended March 31, 2014 and 2013 (in thousands).
		Amount Reclassified from AOCI
		Three Months Ended March 31,								Affected Line Item in the Statement
	Details about AOCI Components	2014				2013				Where Net Income is Presented
	Unrealized gains and losses on available for sale securities		$	-			$	359		Net gain on sale of securities available for sale
				-				(130	)	Income tax expense
	Total reclassifications, net of tax		$	-			$	229

INVESTMENT_SECURITIES_Tables

INVESTMENT SECURITIES (Tables)	3 Months Ended
	Mar. 31, 2014
INVESTMENT SECURITIES [Abstract]	'
Amortized cost, estimated fair values, and gross unrealized gains and losses of securities available for sale and held to maturity	'
	The amortized cost, estimated fair value and gross unrealized gains and losses of the Company’s investment securities available for sale and held to maturity at March 31, 2014 and December 31, 2013 were as follows (in thousands):
		31-Mar-14									31-Dec-13
				Gross		Gross			Estimated				Gross		Gross			Estimated
		Amortized		Unrealized		Unrealized			Fair		Amortized		Unrealized		Unrealized			Fair
		Cost		Gains		Losses			Value		Cost		Gains		Losses			Value
	Available for sale:
	U.S. Government agency securities	$	70,466	$	-	$	(3,705	)	$	66,761	$	109,315	$	-	$	(9,220	)	$	100,095
	Obligations of states and political subdivisions		147,472		8,451		-			155,923		148,664		8,499		-			157,163
	Collateralized mortgage obligations		27,108		880		(689	)		27,299		30,335		557		(788	)		30,104
	Mortgage-backed securities		102,591		18		(4,128	)		98,481		103,332		19		(5,584	)		97,767
	Corporate bonds		15,561		241		(118	)		15,684		15,565		264		(178	)		15,651
	Total available for sale securities		363,198		9,590		(8,640	)		364,148		407,211		9,339		(15,770	)		400,780
	Held to maturity:
	U.S. Government agency securities		31,318		-		(165	)		31,153		-		-		-			-
	Obligations of states and political subdivisions		14,161		694		-			14,855		11,666		655		(87	)		12,234
	Total held to maturity securities		45,479		694		(165	)		46,008		11,666		655		(87	)		12,234
	Total investment securities	$	408,677	$	10,284	$	(8,805	)	$	410,156	$	418,877	$	9,994	$	(15,857	)	$	413,014
Investment securities amortized cost, maturities, and approximate fair value	'
	The amortized cost, contractual maturities and estimated fair value of the Company’s investment securities at March 31, 2014 (in thousands) are presented in the table below. Collateralized mortgage obligations (“CMOs”) and mortgage-backed securities (“MBS”) assume maturity dates pursuant to average lives.
		31-Mar-14
		Amortized		Estimated
		Cost		Fair Value
	Securities available for sale:
	Due in one year or less	$	11,353	$	11,499
	Due from one to five years		130,651		136,363
	Due from five to ten years		216,194		211,507
	Due after ten years		5,000		4,779
	Total securities available for sale		363,198		364,148
	Securities held to maturity:
	Due in one year or less		627		632
	Due from one to five years		6,584		7,175
	Due from five to ten years		15,154		15,010
	Due after ten years		23,114		23,191
	Total securities held to maturity		45,479		46,008
	Total investment securities	$	408,677	$	410,156
Proceeds from sales of securities available for sale and the associated realized securities gains and losses	'
	The proceeds from sales of securities available for sale and the associated net realized gains are shown below for the periods indicated (in thousands):
		Three Months Ended March 31,
		2014		2013
	Proceeds	$	-	$	10,475
	Gross realized gains	$	-	$	359
	Gross realized losses		-		-
	Net realized gains	$	-	$	359
Length of time individual securities for held-to-maturity and available-for-sale held in a continuous unrealized loss position	'
	Information pertaining to securities with unrealized losses at March 31, 2014 and December 31, 2013, aggregated by investment category and length of time that individual securities have been in a continuous loss position, follows (in thousands):
		Less than 12 months				12 months or longer					Total
		Estimated		Unrealized		Estimated			Unrealized		Estimated		Unrealized
	31-Mar-14	Fair value		Losses		Fair value			Losses		Fair value		Losses
	U.S. Government agency securities	$	88,511	$	3,273	$	9,403		$	597	$	97,914	$	3,870
	Collateralized mortgage obligations		-		-		8,634			689		8,634		689
	Mortgage-backed securities		85,484		3,566		12,739			562		98,223		4,128
	Corporate bonds		2,409		44		2,926			74		5,335		118
	Total	$	176,404	$	6,883	$	33,702		$	1,922	$	210,106	$	8,805
		Less than 12 months				12 months or longer					Total
		Estimated		Unrealized		Estimated			Unrealized		Estimated		Unrealized
	31-Dec-13	Fair value		Losses		Fair value			Losses		Fair value		Losses
	U.S. Government agency securities	$	86,590	$	7,726	$	13,505		$	1,494	$	100,095	$	9,220
	Obligations of states and political subdivisions		3,932		87		-			-		3,932		87
	Collateralized mortgage obligations		2,935		160		5,713			628		8,648		788
	Mortgage-backed securities		84,869		4,850		12,637			734		97,506		5,584
	Corporate bonds		8,681		178		-			-		8,681		178
	Total	$	187,007	$	13,001	$	31,855		$	2,856	$	218,862	$	15,857

LOANS_Tables

LOANS (Tables)	3 Months Ended
	Mar. 31, 2014
LOANS [Abstract]	'
Categorizes total loans	'
	At March 31, 2014 and December 31, 2013, net loans disaggregated by class consisted of the following (in thousands):
		31-Mar-14			31-Dec-13
	Commercial and industrial	$	165,019		$	171,199
	Commercial real estate		489,958			469,357
	Multifamily		221,841			184,624
	Real estate construction		14,940			6,565
	Residential mortgages		173,347			169,552
	Home equity		55,250			57,112
	Consumer		9,463			10,439
	Gross loans		1,129,818			1,068,848
	Allowance for loan losses		(17,737	)		(17,263	)
	Net loans at end of period	$	1,112,081		$	1,051,585
Summary of the activity in the allowance for loan losses by loan class	'
	The following summarizes the activity in the allowance for loan losses disaggregated by class for the periods indicated (in thousands).
		Commercial			Commercial			Multifamily			Real estate			Residential			Home			Consumer			Unallocated			Total
		and			real estate						construction			mortgages			equity
		industrial
	Three months ended March 31, 2014
	Balance at beginning of period	$	2,615		$	6,626		$	2,159		$	88		$	2,463		$	745		$	241		$	2,326		$	17,263
	Charge-offs		(115	)		-			-			-			-			-			(2	)		-			(117	)
	Recoveries		293			12			-			-			4			27			5			-			341
	(Credit) provision for loan losses		(312	)		657			481			129			160			(54	)		(58	)		(753	)		250
	Balance at end of period	$	2,481		$	7,295		$	2,640		$	217		$	2,627		$	718		$	186		$	1,573		$	17,737
	Three months ended March 31, 2013
	Balance at beginning of period	$	6,181		$	5,999		$	150		$	141		$	1,576		$	907		$	189		$	2,638		$	17,781
	Charge-offs		(348	)		-			-			-			-			-			(11	)		-			(359	)
	Recoveries		299			72			-			-			1			1			39			-			412
	(Credit) provision for loan losses		(787	)		(353	)		702			704			864			16			28			(1,174	)		-
	Balance at end of period	$	5,345		$	5,718		$	852		$	845		$	2,441		$	924		$	245		$	1,464		$	17,834
Additional information of allowance for loan losses	'
	At March 31, 2014 and December 31, 2013, the ending balance in the allowance for loan losses disaggregated by class and impairment methodology is as follows (in thousands). Also in the tables below are total loans at March 31, 2014 and December 31, 2013 disaggregated by class and impairment methodology (in thousands).
	31-Mar-14	Commercial			Commercial			Multifamily			Real estate			Residential			Home			Consumer			Unallocated			Total
		and			real estate						construction			mortgages			equity
		industrial
	Allowance for loan losses:
	Ending balance: individually evaluated for impairment	$	32		$	-		$	-		$	-		$	711		$	94		$	62		$	-		$	899
	Ending balance: collectively evaluated for impairment		2,449			7,295			2,640			217			1,916			624			124			1,573			16,838
	Ending balance	$	2,481		$	7,295		$	2,640		$	217		$	2,627		$	718		$	186		$	1,573		$	17,737
	Loan balances:
	Ending balance: individually evaluated for impairment	$	7,468		$	11,220		$	-		$	-		$	4,987		$	681		$	155		$	-		$	24,511
	Ending balance: collectively evaluated for impairment		157,551			478,738			221,841			14,940			168,360			54,569			9,308			-			1,105,307
	Ending balance	$	165,019		$	489,958		$	221,841		$	14,940		$	173,347		$	55,250		$	9,463		$	-		$	1,129,818
	31-Dec-13	Commercial			Commercial			Multifamily			Real estate			Residential			Home			Consumer			Unallocated			Total
		and			real estate						construction			mortgages			equity
		industrial
	Allowance for loan losses:
	Ending balance: individually evaluated for impairment	$	41		$	-		$	-		$	-		$	709		$	93		$	102		$	-		$	945
	Ending balance: collectively evaluated for impairment		2,574			6,626			2,159			88			1,754			652			139			2,326			16,318
	Ending balance	$	2,615		$	6,626		$	2,159		$	88		$	2,463		$	745		$	241		$	2,326		$	17,263
	Loan balances:
	Ending balance: individually evaluated for impairment	$	7,754		$	11,821		$	-		$	-		$	5,049		$	1,082		$	284		$	-		$	25,990
	Ending balance: collectively evaluated for impairment		163,445			457,536			184,624			6,565			164,503			56,030			10,155			-			1,042,858
	Ending balance	$	171,199		$	469,357		$	184,624		$	6,565		$	169,552		$	57,112		$	10,439		$	-		$	1,068,848
Summary of impaired loans	'
	The following table presents the Company’s impaired loans disaggregated by class at March 31, 2014 and December 31, 2013 (in thousands).
		31-Mar-14									31-Dec-13
		Unpaid			Recorded			Allowance			Unpaid			Recorded			Allowance
		Principal			Balance			Allocated			Principal			Balance			Allocated
		Balance									Balance
	With no allowance recorded:
	Commercial and industrial	$	7,314		$	7,314		$	-		$	6,711		$	6,711		$	-
	Commercial real estate		11,638			11,220			-			12,239			11,821			-
	Residential mortgages		2,258			2,130			-			2,305			2,176			-
	Home equity		489			489			-			891			891			-
	Consumer		25			9			-			25			9			-
	Subtotal		21,724			21,162			-			22,171			21,608			-
	With an allowance recorded:
	Commercial and industrial		154			154			32			1,043			1,043			41
	Residential mortgages		2,857			2,857			711			2,873			2,873			709
	Home equity		328			192			94			328			191			93
	Consumer		148			146			62			274			275			102
	Subtotal		3,487			3,349			899			4,518			4,382			945
	Total	$	25,211		$	24,511		$	899		$	26,689		$	25,990		$	945
	The following table presents the Company’s average recorded investment in impaired loans and the related interest income recognized disaggregated by class for the three months ended March 31, 2014 and 2013 (in thousands). No interest income was recognized on a cash basis on impaired loans for the periods presented.
		Three Months Ended March 31,
		2014						2013
		Average			Interest income			Average			Interest income
		recorded			recognized on			recorded			recognized on
		investment in			impaired loans			investment in			impaired loans
		impaired loans						impaired loans
	Commercial and industrial	$	7,567		$	107		$	10,947		$	57
	Commercial real estate		11,558			99			11,090			69
	Real estate construction		-			-			1,401			-
	Residential mortgages		5,036			36			5,004			42
	Home equity		771			17			751			3
	Consumer		170			2			318			5
	Total	$	25,102		$	261		$	29,511		$	176
Troubled debt restructurings	'
	Outstanding TDRs, disaggregated by class, at March 31, 2014 and December 31, 2013 are as follows (dollars in thousands):
		31-Mar-14						31-Dec-13
	TDRs Outstanding	Number			Outstanding			Number			Outstanding
		of			Recorded			of			Recorded
		Loans			Balance			Loans			Balance
	Commercial and industrial		42		$	6,133			43		$	6,022
	Commercial real estate		8			5,937			7			6,022
	Residential mortgages		16			3,858			17			3,891
	Consumer		3			148			3			150
	Total		69		$	16,076			70		$	16,085
	The following presents, disaggregated by class, information regarding TDRs executed during the three months ended March 31, 2014 and 2013 (dollars in thousands):
		Three Months Ended March 31,
		2014									2013
					Pre-Modification			Post-Modification						Pre-Modification			Post-Modification
		Number			Outstanding			Outstanding			Number			Outstanding			Outstanding
		of			Recorded			Recorded			of			Recorded			Recorded
	New TDRs	Loans			Balance			Balance			Loans			Balance			Balance
	Commercial and industrial		3		$	377		$	377			2		$	320		$	320
	Residential mortgages		-			-			-			3			905			905
	Consumer		-			-			-			1			17			17
	Total		3		$	377		$	377			6		$	1,242		$	1,242
	Presented below and disaggregated by class is information regarding loans modified as TDRs that had payment defaults of 90 days or more within twelve months of restructuring during the three months ended March 31, 2014 and 2013 (dollars in thousands):
		Three Months Ended March 31,
		2014						2013
					Outstanding						Outstanding
		Number			Recorded			Number			Recorded
	Defaulted TDRs	of Loans			Balance			of Loans			Balance
	Commercial real estate		2		$	1,596			-		$	-
	Total		2		$	1,596			-		$	-
Summary of loans modified and renewed and not considered TDRs	'
	The following presents information regarding modifications and renewals executed during the three months ended March 31, 2014 and 2013 that are not considered TDRs (dollars in thousands):
		Three Months Ended March 31,
		2014						2013
					Outstanding						Outstanding
		Number			Recorded			Number			Recorded
	Non-TDR Modifications	of Loans			Balance			of Loans			Balance
	Commercial real estate		3		$	1,422			11		$	19,703
	Total		3		$	1,422			11		$	19,703
Summary of non-performing assets	'
	The following table presents a summary of non-performing assets for each period (in thousands):
		31-Mar-14			31-Dec-13
	Non-accrual loans	$	14,059		$	15,183
	Non-accrual loans held for sale		-			-
	Loans 90 days past due and still accruing		-			-
	OREO		-			-
	Total non-performing assets	$	14,059		$	15,183
	TDRs accruing interest	$	10,631		$	10,647
	TDRs non-accruing	$	5,445		$	5,438
Summarizes non-accrual loans by loan class	'
	At March 31, 2014 and December 31, 2013, non-accrual loans disaggregated by class were as follows (dollars in thousands):
		31-Mar-14												31-Dec-13
		Non-			% of			Total			% of			Non-			% of			Total			% of
		accrual			Total			Loans			Total			accrual			Total			Loans			Total
		loans									Loans			loans									Loans
	Commercial and industrial	$	4,843			34.4	%	$	165,019			0.4	%	$	5,014			33	%	$	171,199			0.4	%
	Commercial real estate		6,936			49.3			489,958			0.6			7,492			49.3			469,357			0.7
	Multifamily		-			-			221,841			-			-			-			184,624			-
	Real estate construction		-			-			14,940			-			-			-			6,565			-
	Residential mortgages		1,840			13.1			173,347			0.2			1,897			12.5			169,552			0.2
	Home equity		431			3.1			55,250			-			647			4.3			57,112			0.1
	Consumer		9			0.1			9,463			-			133			0.9			10,439			-
	Total	$	14,059			100	%	$	1,129,818			1.2	%	$	15,183			100	%	$	1,068,848			1.4	%
Collateral value securing non-accrual loans	'
	The following table presents the collateral value securing non-accrual loans for each period (in thousands):
		31-Mar-14						31-Dec-13
		Principal			Collateral			Principal			Collateral
		Balance			Value			Balance			Value
	Commercial and industrial (1)	$	4,843		$	3,750		$	5,014		$	3,750
	Commercial real estate		6,936			9,960			7,492			13,050
	Residential mortgages		1,840			4,565			1,897			3,764
	Home equity		431			975			647			3,072
	Consumer		9			-			133			-
	Total	$	14,059		$	19,250		$	15,183		$	23,636
	(1) Repayment of commercial and industrial loans is expected primarily from the cash flow of the business. The collateral typically securing these loans is a lien on all corporate assets via a blanket UCC filing and does not usually include real estate. For purposes of this disclosure, the Company has ascribed no value to the non-real estate collateral for this class of loans.
Summary of current and past due loans	'
	At March 31, 2014 and December 31, 2013, past due loans disaggregated by class were as follows (in thousands).
		Past Due
	31-Mar-14	30 - 59 days			60 - 89 days			90 days and over			Total			Current			Total
	Commercial and industrial	$	159		$	83		$	4,843		$	5,085		$	159,934		$	165,019
	Commercial real estate		979			-			6,936			7,915			482,043			489,958
	Multifamily		-			-			-			-			221,841			221,841
	Real estate construction		-			-			-			-			14,940			14,940
	Residential mortgages		1,636			-			1,840			3,476			169,871			173,347
	Home equity		807			24			431			1,262			53,988			55,250
	Consumer		55			9			9			73			9,390			9,463
	Total	$	3,636		$	116		$	14,059		$	17,811		$	1,112,007		$	1,129,818
	% of Total Loans		0.3	%		-			1.3	%		1.6	%		98.4	%		100	%
		Past Due
	31-Dec-13	30 - 59 days			60 - 89 days			90 days and over			Total			Current			Total
	Commercial and industrial	$	13		$	-		$	5,014		$	5,027		$	166,172		$	171,199
	Commercial real estate		631			-			7,492			8,123			461,234			469,357
	Multifamily		-			-			-			-			184,624			184,624
	Real estate construction		-			-			-			-			6,565			6,565
	Residential mortgages		1,535			339			1,897			3,771			165,781			169,552
	Home equity		795			100			647			1,542			55,570			57,112
	Consumer		75			-			133			208			10,231			10,439
	Total	$	3,049		$	439		$	15,183		$	18,671		$	1,050,177		$	1,068,848
	% of Total Loans		0.3	%		-			1.4	%		1.7	%		98.3	%		100	%
Credit risk profile by internally assigned grade	'
	The following presents the Company’s loan portfolio credit risk profile by internally assigned grade disaggregated by class of loan at March 31, 2014 and December 31, 2013 (in thousands).
	31-Mar-14	Commercial			Commercial			Multifamily			Real estate			Residential			Home			Consumer			Total			% of
		and			real estate						construction			mortgages			equity									Total
		industrial
	Grade:
	Pass	$	152,091		$	468,449		$	221,841		$	14,940		$	168,755		$	54,819		$	9,306		$	1,090,201			96.5	%
	Special mention		3,563			2,786			-			-			-			-			-			6,349			0.6
	Substandard		9,365			18,723			-			-			4,592			431			157			33,268			2.9
	Total	$	165,019		$	489,958		$	221,841		$	14,940		$	173,347		$	55,250		$	9,463		$	1,129,818			100	%
	31-Dec-13	Commercial			Commercial			Multifamily			Real estate			Residential			Home			Consumer			Total			% of
		and			real estate						construction			mortgages			equity									Total
		industrial
	Grade:
	Pass	$	158,536		$	445,302		$	184,624		$	6,565		$	164,559		$	56,379		$	10,156		$	1,026,121			96	%
	Special mention		2,934			2,817			-			-			-			-			-			5,751			0.5
	Substandard		9,729			21,238			-			-			4,993			733			283			36,976			3.5
	Total	$	171,199		$	469,357		$	184,624		$	6,565		$	169,552		$	57,112		$	10,439		$	1,068,848			100	%

EMPLOYEE_BENEFITS_Tables

EMPLOYEE BENEFITS (Tables)	3 Months Ended
	Mar. 31, 2014
EMPLOYEE BENEFITS [Abstract]	'
Net periodic defined benefit pension expense	'
	The following table summarizes the net periodic pension credit (in thousands):
		Three Months Ended March 31,
		2014			2013
	Interest cost	$	540		$	498
	Expected return on plan assets		(637	)		(575	)
	Net amortization		6			61
	Net periodic pension credit	$	(91	)	$	(16	)

STOCKBASED_COMPENSATION_Tables

STOCK-BASED COMPENSATION (Tables)	3 Months Ended
	Mar. 31, 2014
STOCK-BASED COMPENSATION [Abstract]	'
Summary of stock option activity	'
	A summary of stock option activity follows:
							Weighted-Average
			Number				Exercise Price
			of Shares				Per Share
	Outstanding, January 1, 2014			291,000			$	16.18
	Granted			-				-
	Exercised			-				-
	Forfeited or expired			(9,166	)		$	20.27
	Outstanding, March 31, 2014			281,834			$	16.04
Summary of options outstanding and exercisable	'
	The following summarizes shares subject to purchase from stock options outstanding and exercisable as of March 31, 2014:
					Outstanding						Exercisable
								Weighted-Average					Weighted-Average
	Range of							Remaining	Weighted-Average				Remaining	Weighted-Average
	Exercise Prices				Shares			Contractual Life	Exercise Price		Shares		Contractual Life	Exercise Price
	$	10.00 - $14.00				140,000		7.9 years	$	12.01		50,003	8.0 years	$	12.81
	$	14.01 - $20.00				114,834		9.2 years	$	17.24		11,668	8.8 years	$	14.47
	$	20.01 - $30.00				5,000		4.8 years	$	28.3		5,000	4.8 years	$	28.3
	$	30.01 - $40.00				22,000		2.3 years	$	32.69		22,000	2.3 years	$	32.69
						281,834		8.0 years	$	16.04		88,671	6.5 years	$	18.83

REGULATORY_MATTERS_Tables

REGULATORY MATTERS (Tables)	3 Months Ended
	Mar. 31, 2014
REGULATORY MATTERS [Abstract]	'
The Bank's actual capital amounts and ratios	'
	The Bank’s capital amounts (in thousands) and ratios are as follows:
							Minimum					Minimum to be Well
							for capital					Capitalized under prompt
		Actual capital ratios					adequacy					corrective action provisions
		Amount		Ratio			Amount		Ratio			Amount		Ratio
	31-Mar-14
	Total capital to risk-weighted assets	$	188,551		14.73	%	$	102,394		8	%	$	127,992		10	%
	Tier 1 capital to risk-weighted assets		172,527		13.48	%		51,197		4	%		76,795		6	%
	Tier 1 capital to adjusted average assets (leverage)		172,527		10.2	%		67,629		4	%		84,536		5	%
	31-Dec-13
	Total capital to risk-weighted assets	$	181,952		14.92	%	$	97,542		8	%	$	121,927		10	%
	Tier 1 capital to risk-weighted assets		166,683		13.67	%		48,771		4	%		73,156		6	%
	Tier 1 capital to adjusted average assets (leverage)		166,683		9.74	%		68,454		4	%		85,567		5	%

FAIR_VALUE_Tables

FAIR VALUE (Tables)	3 Months Ended
	Mar. 31, 2014
FAIR VALUE [Abstract]	'
Carrying amounts and estimated fair values of financial instruments	'
	The following table presents the carrying amounts and estimated fair values of the Company’s financial instruments (in thousands).
		Level in		31-Mar-14				31-Dec-13
		Fair Value		Carrying		Estimated		Carrying		Estimated
		Heirarchy		Amount		Fair Value		Amount		Fair Value
	Cash and due from banks	Level 1		$	86,165	$	86,165	$	131,352	$	131,352
	Cash equivalents	Level 2			1,038		1,038		1,000		1,000
	Interest-bearing time deposits in other banks	Level 2			10,000		10,000		10,000		10,000
	Federal Reserve Bank, Federal Home Loan
	Bank and other stock	N/	A		2,863		N/A		2,863		N/A
	Investment securities held to maturity	Level 2			45,479		46,008		11,666		12,234
	Investment securities available for sale	Level 2			364,148		364,148		400,780		400,780
	Loans held for sale	Level 2			190		190		175		175
	Loans, net of allowance	Level 2, 3 (1)			1,112,081		1,112,942		1,051,585		1,056,279
	Bank owned life insurance	Level 3			44,109		44,109		38,755		38,755
	Accrued interest and loan fees receivable	Level 2			6,322		6,322		5,441		5,441
	Non-maturity deposits	Level 2			1,295,095		1,295,095		1,284,982		1,284,982
	Time deposits	Level 2			228,339		229,064		225,079		225,946
	Accrued interest payable	Level 2			160		160		160		160
	(1) Impaired loans are generally classified within Level 3 of the fair value hierarchy.
Valuation of financial instruments measured at fair value on recurring basis	'
	The following presents fair value measurements on a recurring basis at March 31, 2014 and December 31, 2013 (in thousands):
				Fair Value Measurements Using
				Significant Other		Significant
				Observable Inputs		Unobservable Inputs
	Assets:	31-Mar-14		(Level 2)		(Level 3)
	U.S. Government agency securities	$	66,761	$	66,761	$	-
	Corporate bonds		15,684		15,684		-
	Collateralized mortgage obligations		27,299		27,299		-
	Mortgage-backed securities		98,481		98,481		-
	Obligations of states and political subdivisions		155,923		155,923		-
	Loans held for sale		190		190		-
	Mortgage servicing rights		2,179		-		2,179
	Total	$	366,517	$	364,338	$	2,179
	Liabilities:
	Derivatives		932	$	-	$	932
	Total	$	932	$	-	$	932
				Fair Value Measurements Using
				Significant Other		Significant
				Observable Inputs		Unobservable Inputs
	Assets:	31-Dec-13		(Level 2)		(Level 3)
	U.S. Government agency securities	$	100,095	$	100,095	$	-
	Corporate bonds		15,651		15,651		-
	Collateralized mortgage obligations		30,104		30,104		-
	Mortgage-backed securities		97,767		97,767		-
	Obligations of states and political subdivisions		157,163		157,163		-
	Loans held for sale		175		175		-
	Mortgage servicing rights		2,163		-		2,163
	Total	$	403,118	$	400,955	$	2,163
	Liabilities:
	Derivatives		932	$	-	$	932
	Total	$	932	$	-	$	932
Changes in Level 3 assets and liabilities measured at fair value on a recurring basis	'
	Reconciliations for assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs (Level 3) follow (in thousands).
	Fair Value Measurements Using Significant Unobservable Inputs (Level 3)
		Three Months Ended March 31,
		2014				2013
		Assets		Liabilities		Assets
		Mortgage		Derivatives		Mortgage
		Servicing Rights				Servicing Rights
	Balance, January 1	$	2,163	$	932	$	1,856
	Net increase		16		-		183
	Balance, March 31	$	2,179	$	932	$	2,039
Assets measured at fair value on a non-recurring basis	'
	Assets measured at fair value on a non-recurring basis are as follows (in thousands):
	Assets:	31-Mar-14		Fair Value
				Measurements Using
				Significant Unobservable
				Inputs (Level 3)
	Impaired loans	$	15,510	$	15,510
	Total	$	15,510	$	15,510
	Assets:	31-Dec-13		Fair Value
				Measurements Using
				Significant Unobservable
				Inputs (Level 3)
	Impaired loans	$	16,942	$	16,942
	Total	$	16,942	$	16,942

FINANCIAL_STATEMENT_PRESENTATI2

FINANCIAL STATEMENT PRESENTATION AND SIGNIFICANT ACCOUNTING POLICIES (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014
	Corporation
Summary of Significant Accounting Policies [Abstract]	'
Ownership percentage (in hundredths)	100.00%
Number of corporation used to acquire foreclosed real estate	2
Maximum period for accrued interest for all class of loans	'90 days
Threshold for non-accrual loans to be evaluated individually for impairment	$250

ACCUMULATED_OTHER_COMPREHENSIV2

ACCUMULATED OTHER COMPREHENSIVE INCOME (AOCI) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Accumulated Other Comprehensive Income [Roll Forward]	'	'
Beginning balance	($7,289)	$2,886
Other comprehensive income (loss) before reclassifications	3,088	-991
Amounts reclassified from AOCI	0	-229
Net other comprehensive income (loss)	3,088	-1,220
Ending balance	-4,201	1,666
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]	'	'
Net realized gains	0	359
Income tax expense	1,111	483
Net income	3,720	2,709
Reclassification Out Of Accumulated Other Comprehensive Income [Member]	'	'
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]	'	'
Net realized gains	0	359
Income tax expense	0	-130
Net income	0	229
Unrealized Gains and Losses on Available for Sale Securities [Member]	'	'
Accumulated Other Comprehensive Income [Roll Forward]	'	'
Beginning balance	-4,095	10,553
Other comprehensive income (loss) before reclassifications	3,088	-991
Amounts reclassified from AOCI	0	-229
Net other comprehensive income (loss)	3,088	-1,220
Ending balance	-1,007	9,333
Pension and Post Retirement Plan Items [Member]	'	'
Accumulated Other Comprehensive Income [Roll Forward]	'	'
Beginning balance	-3,194	-7,667
Other comprehensive income (loss) before reclassifications	0	0
Amounts reclassified from AOCI	0	0
Net other comprehensive income (loss)	0	0
Ending balance	($3,194)	($7,667)

Investment_Securities_Amortize

Investment Securities, Amortized Cost, Estimated Values and Gross Unrealized Gains and Losses (Details) (USD $)	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
INVESTMENT SECURITIES [Abstract]	'	'	'
Investment securities transferred from available for sale to held to maturity	$31,286,000	$0	'
Available for sale [Abstract]	'	'	'
Amortized Cost	363,198,000	'	407,211,000
Gross Unrealized Gains	9,590,000	'	9,339,000
Gross Unrealized Losses	-8,640,000	'	-15,770,000
Estimated Fair Value	364,148,000	'	400,780,000
Held to maturity [Abstract]	'	'	'
Amortized Cost	45,479,000	'	11,666,000
Gross Unrealized Gains	694,000	'	655,000
Gross Unrealized Losses	-165,000	'	-87,000
Estimated Fair Value	46,008,000	'	12,234,000
Total investment securities [Abstract]	'	'	'
Total Amortized Cost	408,677,000	'	418,877,000
Total Gross Unrealized Gains	10,284,000	'	9,994,000
Total Gross Unrealized Losses	-8,805,000	'	-15,857,000
Total Fair Value	410,156,000	'	413,014,000
Investment securities pledged	255,000,000	'	292,000,000
U.S. Government Agency Securities [Member]	'	'	'
Held to maturity [Abstract]	'	'	'
Amortized Cost	31,318,000	'	0
Gross Unrealized Gains	0	'	0
Gross Unrealized Losses	-165,000	'	0
Estimated Fair Value	31,153,000	'	0
Obligations of States and Political Subdivisions [Member]	'	'	'
Held to maturity [Abstract]	'	'	'
Amortized Cost	14,161,000	'	11,666,000
Gross Unrealized Gains	694,000	'	655,000
Gross Unrealized Losses	0	'	-87,000
Estimated Fair Value	14,855,000	'	12,234,000
U.S. Government Agency Securities [Member]	'	'	'
Available for sale [Abstract]	'	'	'
Amortized Cost	70,466,000	'	109,315,000
Gross Unrealized Gains	0	'	0
Gross Unrealized Losses	-3,705,000	'	-9,220,000
Estimated Fair Value	66,761,000	'	100,095,000
Obligations of States and Political Subdivisions [Member]	'	'	'
Available for sale [Abstract]	'	'	'
Amortized Cost	147,472,000	'	148,664,000
Gross Unrealized Gains	8,451,000	'	8,499,000
Gross Unrealized Losses	0	'	0
Estimated Fair Value	155,923,000	'	157,163,000
Collateralized Mortgage Obligations [Member]	'	'	'
Available for sale [Abstract]	'	'	'
Amortized Cost	27,108,000	'	30,335,000
Gross Unrealized Gains	880,000	'	557,000
Gross Unrealized Losses	-689,000	'	-788,000
Estimated Fair Value	27,299,000	'	30,104,000
Mortgage-Backed Securities [Member]	'	'	'
Available for sale [Abstract]	'	'	'
Amortized Cost	102,591,000	'	103,332,000
Gross Unrealized Gains	18,000	'	19,000
Gross Unrealized Losses	-4,128,000	'	-5,584,000
Estimated Fair Value	98,481,000	'	97,767,000
Corporate Bonds [Member]	'	'	'
Available for sale [Abstract]	'	'	'
Amortized Cost	15,561,000	'	15,565,000
Gross Unrealized Gains	241,000	'	264,000
Gross Unrealized Losses	-118,000	'	-178,000
Estimated Fair Value	$15,684,000	'	$15,651,000

Investment_Securities_Amortize1

Investment Securities, Amortized Cost, Maturities and Approximate Fair Value (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Amortized Cost [Abstract]	'	'
Due in one year or less	$11,353	'
Due from one to five years	130,651	'
Due from five to ten years	216,194	'
Due after ten years	5,000	'
Total securities available for sale	363,198	'
Fair Value [Abstract]	'	'
Due in one year or less	11,499	'
Due from one to five years	136,363	'
Due from five to ten years	211,507	'
Due after ten years	4,779	'
Total securities available for sale	364,148	400,780
Amortized Cost [Abstract]	'	'
Due in one year or less	627	'
Due from one to five years	6,584	'
Due from five to ten years	15,154	'
Due after ten years	23,114	'
Total securities held to maturity	45,479	'
Total investment securities	408,677	'
Fair Value [Abstract]	'	'
Due in one year or less	632	'
Due from one to five years	7,175	'
Due from five to ten years	15,010	'
Due after ten years	23,191	'
Total securities held to maturity	46,008	'
Total investment securities	$410,156	'

Investment_Securities_Securiti

Investment Securities, Securities Sales And Continuous Unrealized Loss Position Of Securities Held (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
Proceeds from sales of securities available for sale and the associated realized securities gains and losses [Abstract]	'	'	'
Proceeds	$0	$10,475	'
Gross realized gains	0	359	'
Gross realized losses	0	0	'
Net realized gains	0	359	'
Length of time individual securities for held-to-maturity and available-for-sale held in a continuous unrealized loss position [Abstract]	'	'	'
Less than 12 months Estimated Fair Value	176,404	'	187,007
Less than 12 months Unrealized Losses	6,883	'	13,001
12 months or longer Estimated Fair Value	33,702	'	31,855
12 months or longer Unrealized Losses	1,922	'	2,856
Total Estimated Fair Value	210,106	'	218,862
Total Unrealized Losses	8,805	'	15,857
U.S. Government Agency Securities [Member]	'	'	'
Length of time individual securities for held-to-maturity and available-for-sale held in a continuous unrealized loss position [Abstract]	'	'	'
Less than 12 months Estimated Fair Value	88,511	'	86,590
Less than 12 months Unrealized Losses	3,273	'	7,726
12 months or longer Estimated Fair Value	9,403	'	13,505
12 months or longer Unrealized Losses	597	'	1,494
Total Estimated Fair Value	97,914	'	100,095
Total Unrealized Losses	3,870	'	9,220
Obligations of States and Political Subdivisions [Member]	'	'	'
Length of time individual securities for held-to-maturity and available-for-sale held in a continuous unrealized loss position [Abstract]	'	'	'
Less than 12 months Estimated Fair Value	'	'	3,932
Less than 12 months Unrealized Losses	'	'	87
12 months or longer Estimated Fair Value	'	'	0
12 months or longer Unrealized Losses	'	'	0
Total Estimated Fair Value	'	'	3,932
Total Unrealized Losses	'	'	87
Collateralized Mortgage Obligations [Member]	'	'	'
Length of time individual securities for held-to-maturity and available-for-sale held in a continuous unrealized loss position [Abstract]	'	'	'
Less than 12 months Estimated Fair Value	0	'	2,935
Less than 12 months Unrealized Losses	0	'	160
12 months or longer Estimated Fair Value	8,634	'	5,713
12 months or longer Unrealized Losses	689	'	628
Total Estimated Fair Value	8,634	'	8,648
Total Unrealized Losses	689	'	788
Mortgage-Backed Securities [Member]	'	'	'
Length of time individual securities for held-to-maturity and available-for-sale held in a continuous unrealized loss position [Abstract]	'	'	'
Less than 12 months Estimated Fair Value	85,484	'	84,869
Less than 12 months Unrealized Losses	3,566	'	4,850
12 months or longer Estimated Fair Value	12,739	'	12,637
12 months or longer Unrealized Losses	562	'	734
Total Estimated Fair Value	98,223	'	97,506
Total Unrealized Losses	4,128	'	5,584
Corporate Bonds [Member]	'	'	'
Length of time individual securities for held-to-maturity and available-for-sale held in a continuous unrealized loss position [Abstract]	'	'	'
Less than 12 months Estimated Fair Value	2,409	'	8,681
Less than 12 months Unrealized Losses	44	'	178
12 months or longer Estimated Fair Value	2,926	'	0
12 months or longer Unrealized Losses	74	'	0
Total Estimated Fair Value	5,335	'	8,681
Total Unrealized Losses	$118	'	$178

INVESTMENT_SECURITIES_Other_Di

INVESTMENT SECURITIES, Other Disclosures (Details) (USD $)	3 Months Ended	12 Months Ended
	Mar. 31, 2014	Dec. 31, 2013
Investment securities other disclosures [Abstract]	'	'
Sale of Visa Class B equity securities (in shares)	'	100,000
Proceeds from sale of Visa Shares	'	$7,800,000
Contingent liability from counterparty estimated future exposure from Visa litigation	932,000	'
Carrying Costs For Visa Litigation Expensed In The Period	59,000	'
US Government agency securities held as available-for-sale pledged as collateral	$3,000,000	'
Shares of Visa Class B securities held (in shares)	38,638	'

LOANS_Details

LOANS (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013	Mar. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Categorizes total loans [Abstract]	'	'	'	'
Gross Loans	$1,129,818	$1,068,848	'	'
Allowance for loan losses	-17,737	-17,263	-17,834	-17,781
Net loans	1,112,081	1,051,585	'	'
Commercial and Industrial [Member]	'	'	'	'
Categorizes total loans [Abstract]	'	'	'	'
Gross Loans	165,019	171,199	'	'
Commercial Real Estate [Member]	'	'	'	'
Categorizes total loans [Abstract]	'	'	'	'
Gross Loans	489,958	469,357	'	'
Allowance for loan losses	-7,295	-6,626	-5,718	-5,999
Multifamily [Member]	'	'	'	'
Categorizes total loans [Abstract]	'	'	'	'
Gross Loans	221,841	184,624	'	'
Allowance for loan losses	-2,640	-2,159	-852	-150
Real Estate Construction [Member]	'	'	'	'
Categorizes total loans [Abstract]	'	'	'	'
Gross Loans	14,940	6,565	'	'
Allowance for loan losses	-217	-88	-845	-141
Residential Mortgages [Member]	'	'	'	'
Categorizes total loans [Abstract]	'	'	'	'
Gross Loans	173,347	169,552	'	'
Allowance for loan losses	-2,627	-2,463	-2,441	-1,576
Home Equity [Member]	'	'	'	'
Categorizes total loans [Abstract]	'	'	'	'
Gross Loans	55,250	57,112	'	'
Consumer [Member]	'	'	'	'
Categorizes total loans [Abstract]	'	'	'	'
Gross Loans	9,463	10,439	'	'
Allowance for loan losses	($186)	($241)	'	'

LOANS_Analysis_of_Changes_in_t

LOANS, Analysis of Changes in the Allowances for Loan Losses (Details) (USD $)	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013
Allowance for loan losses [Abstract]	'	'
Balance, Beginning of Period	$17,263,000	$17,781,000
Charge-offs	-117,000	-359,000
Recoveries	341,000	412,000
Provision for loan losses	250,000	0
Balance, End of Period	17,737,000	17,834,000
Number of months of performance trouble debt restructuring returns to accrual status	'6 months	'
Threshold for non-accrual loans to be evaluated individually for impairment	250,000	'
Allowance for loan and lease losses, period increase (decrease)	474,000	'
Commercial and Industrial [Member]	'	'
Allowance for loan losses [Abstract]	'	'
Balance, Beginning of Period	2,615,000	6,181,000
Charge-offs	-115,000	-348,000
Recoveries	293,000	299,000
Provision for loan losses	-312,000	-787,000
Balance, End of Period	2,481,000	5,345,000
Allowance for loan and lease losses, period increase (decrease)	-134,000	'
Period increase (decrease) in specific reserves	-9,000	'
Increase (decrease) in historical loss factors (in hundredths)	-0.02%	'
Commercial and Industrial [Member] | Unimpaired Pass Rated Loans [Member]	'	'
Allowance for loan losses [Abstract]	'	'
Period increase (decrease) in balance of unimpaired pass rated loans	-6,000,000	'
Commercial Real Estate [Member]	'	'
Allowance for loan losses [Abstract]	'	'
Balance, Beginning of Period	6,626,000	5,999,000
Charge-offs	0	0
Recoveries	12,000	72,000
Provision for loan losses	657,000	-353,000
Balance, End of Period	7,295,000	5,718,000
Allowance for loan and lease losses, period increase (decrease)	669,000	'
Commercial Real Estate [Member] | Unimpaired Pass Rated Loans [Member]	'	'
Allowance for loan losses [Abstract]	'	'
Period increase (decrease) in balance of unimpaired pass rated loans	23,000,000	'
Increase (decrease) in historical loss factors (in hundredths)	0.08%	'
Multifamily [Member]	'	'
Allowance for loan losses [Abstract]	'	'
Balance, Beginning of Period	2,159,000	150,000
Charge-offs	0	0
Recoveries	0	0
Provision for loan losses	481,000	702,000
Balance, End of Period	2,640,000	852,000
Allowance for loan and lease losses, period increase (decrease)	481,000	'
Multifamily [Member] | Unimpaired Pass Rated Loans [Member]	'	'
Allowance for loan losses [Abstract]	'	'
Period increase (decrease) in balance of unimpaired pass rated loans	37,000,000	'
Increase (decrease) in historical loss factors (in hundredths)	0.01%	'
Real Estate Construction [Member]	'	'
Allowance for loan losses [Abstract]	'	'
Balance, Beginning of Period	88,000	141,000
Charge-offs	0	0
Recoveries	0	0
Provision for loan losses	129,000	704,000
Balance, End of Period	217,000	845,000
Residential Mortgages [Member]	'	'
Allowance for loan losses [Abstract]	'	'
Balance, Beginning of Period	2,463,000	1,576,000
Charge-offs	0	0
Recoveries	4,000	1,000
Provision for loan losses	160,000	864,000
Balance, End of Period	2,627,000	2,441,000
Home Equity [Member]	'	'
Allowance for loan losses [Abstract]	'	'
Balance, Beginning of Period	745,000	907,000
Charge-offs	0	0
Recoveries	27,000	1,000
Provision for loan losses	-54,000	16,000
Balance, End of Period	718,000	924,000
Consumer [Member]	'	'
Allowance for loan losses [Abstract]	'	'
Balance, Beginning of Period	241,000	189,000
Charge-offs	-2,000	-11,000
Recoveries	5,000	39,000
Provision for loan losses	-58,000	28,000
Balance, End of Period	186,000	245,000
Unallocated [Member]	'	'
Allowance for loan losses [Abstract]	'	'
Balance, Beginning of Period	2,326,000	2,638,000
Charge-offs	0	0
Recoveries	0	0
Provision for loan losses	-753,000	-1,174,000
Balance, End of Period	$1,573,000	$1,464,000

LOANS_Loans_and_Allowance_for_

LOANS, Loans and Allowance for Loan Losses Impairment Evaluations (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013	Mar. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Allowance for loan losses: [Abstract]	'	'	'	'
Ending balance: individually evaluated for impairment	$899	$945	'	'
Ending balance: collectively evaluated for impairment	16,838	16,318	'	'
Balance, End of Period	17,737	17,263	17,834	17,781
Loan balances: [Abstract]	'	'	'	'
Ending balance: individually evaluated for impairment	24,511	25,990	'	'
Ending balance: collectively evaluated for impairment	1,105,307	1,042,858	'	'
Ending balance (loan portfolio)	1,129,818	1,068,848	'	'
Commercial and Industrial [Member]	'	'	'	'
Allowance for loan losses: [Abstract]	'	'	'	'
Ending balance: individually evaluated for impairment	32	41	'	'
Ending balance: collectively evaluated for impairment	2,449	2,574	'	'
Balance, End of Period	2,481	2,615	5,345	6,181
Loan balances: [Abstract]	'	'	'	'
Ending balance: individually evaluated for impairment	7,468	7,754	'	'
Ending balance: collectively evaluated for impairment	157,551	163,445	'	'
Ending balance (loan portfolio)	165,019	171,199	'	'
Commercial Real Estate [Member]	'	'	'	'
Allowance for loan losses: [Abstract]	'	'	'	'
Ending balance: individually evaluated for impairment	0	0	'	'
Ending balance: collectively evaluated for impairment	7,295	6,626	'	'
Balance, End of Period	7,295	6,626	5,718	5,999
Loan balances: [Abstract]	'	'	'	'
Ending balance: individually evaluated for impairment	11,220	11,821	'	'
Ending balance: collectively evaluated for impairment	478,738	457,536	'	'
Ending balance (loan portfolio)	489,958	469,357	'	'
Multifamily [Member]	'	'	'	'
Allowance for loan losses: [Abstract]	'	'	'	'
Ending balance: individually evaluated for impairment	0	0	'	'
Ending balance: collectively evaluated for impairment	2,640	2,159	'	'
Balance, End of Period	2,640	2,159	852	150
Loan balances: [Abstract]	'	'	'	'
Ending balance: individually evaluated for impairment	0	0	'	'
Ending balance: collectively evaluated for impairment	221,841	184,624	'	'
Ending balance (loan portfolio)	221,841	184,624	'	'
Real Estate Construction [Member]	'	'	'	'
Allowance for loan losses: [Abstract]	'	'	'	'
Ending balance: individually evaluated for impairment	0	0	'	'
Ending balance: collectively evaluated for impairment	217	88	'	'
Balance, End of Period	217	88	845	141
Loan balances: [Abstract]	'	'	'	'
Ending balance: individually evaluated for impairment	0	0	'	'
Ending balance: collectively evaluated for impairment	14,940	6,565	'	'
Ending balance (loan portfolio)	14,940	6,565	'	'
Residential Mortgages [Member]	'	'	'	'
Allowance for loan losses: [Abstract]	'	'	'	'
Ending balance: individually evaluated for impairment	711	709	'	'
Ending balance: collectively evaluated for impairment	1,916	1,754	'	'
Balance, End of Period	2,627	2,463	2,441	1,576
Loan balances: [Abstract]	'	'	'	'
Ending balance: individually evaluated for impairment	4,987	5,049	'	'
Ending balance: collectively evaluated for impairment	168,360	164,503	'	'
Ending balance (loan portfolio)	173,347	169,552	'	'
Home Equity [Member]	'	'	'	'
Allowance for loan losses: [Abstract]	'	'	'	'
Ending balance: individually evaluated for impairment	94	93	'	'
Ending balance: collectively evaluated for impairment	624	652	'	'
Balance, End of Period	718	745	924	907
Loan balances: [Abstract]	'	'	'	'
Ending balance: individually evaluated for impairment	681	1,082	'	'
Ending balance: collectively evaluated for impairment	54,569	56,030	'	'
Ending balance (loan portfolio)	55,250	57,112	'	'
Consumer [Member]	'	'	'	'
Allowance for loan losses: [Abstract]	'	'	'	'
Ending balance: individually evaluated for impairment	62	102	'	'
Ending balance: collectively evaluated for impairment	124	139	'	'
Balance, End of Period	186	241	'	'
Loan balances: [Abstract]	'	'	'	'
Ending balance: individually evaluated for impairment	155	284	'	'
Ending balance: collectively evaluated for impairment	9,308	10,155	'	'
Ending balance (loan portfolio)	9,463	10,439	'	'
Unallocated [Member]	'	'	'	'
Allowance for loan losses: [Abstract]	'	'	'	'
Ending balance: individually evaluated for impairment	0	0	'	'
Ending balance: collectively evaluated for impairment	1,573	2,326	'	'
Balance, End of Period	1,573	2,326	1,464	2,638
Loan balances: [Abstract]	'	'	'	'
Ending balance: individually evaluated for impairment	0	0	'	'
Ending balance: collectively evaluated for impairment	0	0	'	'
Ending balance (loan portfolio)	$0	$0	'	'

LOANS_Summary_of_Impaired_Loan

LOANS, Summary of Impaired Loans (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
Summary of impaired loans [Abstract]	'	'	'
Impaired loans with no allowance recorded, Unpaid Principal Balance	$21,724	'	$22,171
Impaired loans with an allowance recorded, Unpaid Principal Balance	3,487	'	4,518
Impaired loans, Unpaid Principal Balance, Total	25,211	'	26,689
Impaired loans with no allowance recorded, Recorded Investment	21,162	'	21,608
Impaired loans with an allowance recorded, Recorded Investment	3,349	'	4,382
Impaired Loans, Recorded Investment, Total	24,511	'	25,990
Impaired Loans, No Allowance Allocated	0	'	0
Impaired Loans, Allowance Allocated	899	'	945
Average recorded investment in impaired loans	25,102	29,511	'
Interest income recognized on impaired loans	261	176	'
Commercial and Industrial [Member]	'	'	'
Summary of impaired loans [Abstract]	'	'	'
Impaired loans with no allowance recorded, Unpaid Principal Balance	7,314	'	6,711
Impaired loans with an allowance recorded, Unpaid Principal Balance	154	'	1,043
Impaired loans with no allowance recorded, Recorded Investment	7,314	'	6,711
Impaired loans with an allowance recorded, Recorded Investment	154	'	1,043
Impaired Loans, No Allowance Allocated	0	'	0
Impaired Loans, Allowance Allocated	32	'	41
Average recorded investment in impaired loans	7,567	10,947	'
Interest income recognized on impaired loans	107	57	'
Commercial Real Estate [Member]	'	'	'
Summary of impaired loans [Abstract]	'	'	'
Impaired loans with no allowance recorded, Unpaid Principal Balance	11,638	'	12,239
Impaired loans with no allowance recorded, Recorded Investment	11,220	'	11,821
Impaired Loans, No Allowance Allocated	0	'	0
Average recorded investment in impaired loans	11,558	11,090	'
Interest income recognized on impaired loans	99	69	'
Real Estate Construction [Member]	'	'	'
Summary of impaired loans [Abstract]	'	'	'
Average recorded investment in impaired loans	0	1,401	'
Interest income recognized on impaired loans	0	0	'
Residential Mortgages [Member]	'	'	'
Summary of impaired loans [Abstract]	'	'	'
Impaired loans with no allowance recorded, Unpaid Principal Balance	2,258	'	2,305
Impaired loans with an allowance recorded, Unpaid Principal Balance	2,857	'	2,873
Impaired loans with no allowance recorded, Recorded Investment	2,130	'	2,176
Impaired loans with an allowance recorded, Recorded Investment	2,857	'	2,873
Impaired Loans, No Allowance Allocated	0	'	0
Impaired Loans, Allowance Allocated	711	'	709
Average recorded investment in impaired loans	5,036	5,004	'
Interest income recognized on impaired loans	36	42	'
Home Equity [Member]	'	'	'
Summary of impaired loans [Abstract]	'	'	'
Impaired loans with no allowance recorded, Unpaid Principal Balance	489	'	891
Impaired loans with an allowance recorded, Unpaid Principal Balance	328	'	328
Impaired loans with no allowance recorded, Recorded Investment	489	'	891
Impaired loans with an allowance recorded, Recorded Investment	192	'	191
Impaired Loans, No Allowance Allocated	0	'	0
Impaired Loans, Allowance Allocated	94	'	93
Average recorded investment in impaired loans	771	751	'
Interest income recognized on impaired loans	17	3	'
Consumer [Member]	'	'	'
Summary of impaired loans [Abstract]	'	'	'
Impaired loans with no allowance recorded, Unpaid Principal Balance	25	'	25
Impaired loans with an allowance recorded, Unpaid Principal Balance	148	'	274
Impaired loans with no allowance recorded, Recorded Investment	9	'	9
Impaired loans with an allowance recorded, Recorded Investment	146	'	275
Impaired Loans, No Allowance Allocated	0	'	0
Impaired Loans, Allowance Allocated	62	'	102
Average recorded investment in impaired loans	170	318	'
Interest income recognized on impaired loans	$2	$5	'

LOANS_Loans_Modified_as_Troubl

LOANS, Loans Modified as Troubled Debt Restructurings (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
	Loan	Loan	Loan
Troubled debt restructuring at end of period [Abstract]	'	'	'
Number of loans	69	'	70
Outstanding recorded investment	$16,076	'	$16,085
Troubled debt restructured during year [Abstract]	'	'	'
Number of Loans	3	6	'
Outstanding Recorded Balance, pre-modification	377	1,242	'
Outstanding Recorded Balance, Post modification	377	1,242	'
Defaulted Troubled Debt Restructurings [Member]	'	'	'
Troubled debt restructured during year [Abstract]	'	'	'
Number of Loans	2	0	'
Outstanding Recorded Balance, pre-modification	1,596	0	'
Commercial and Industrial [Member]	'	'	'
Troubled debt restructuring at end of period [Abstract]	'	'	'
Number of loans	42	'	43
Outstanding recorded investment	6,133	'	6,022
Troubled debt restructured during year [Abstract]	'	'	'
Number of Loans	3	2	'
Outstanding Recorded Balance, pre-modification	377	320	'
Outstanding Recorded Balance, Post modification	377	320	'
Commercial Real Estate [Member]	'	'	'
Troubled debt restructuring at end of period [Abstract]	'	'	'
Number of loans	8	'	7
Outstanding recorded investment	5,937	'	6,022
Commercial Real Estate [Member] | Defaulted Troubled Debt Restructurings [Member]	'	'	'
Troubled debt restructured during year [Abstract]	'	'	'
Number of Loans	2	0	'
Outstanding Recorded Balance, pre-modification	1,596	0	'
Residential Mortgages [Member]	'	'	'
Troubled debt restructuring at end of period [Abstract]	'	'	'
Number of loans	16	'	17
Outstanding recorded investment	3,858	'	3,891
Troubled debt restructured during year [Abstract]	'	'	'
Number of Loans	0	3	'
Outstanding Recorded Balance, pre-modification	0	905	'
Outstanding Recorded Balance, Post modification	0	905	'
Consumer [Member]	'	'	'
Troubled debt restructuring at end of period [Abstract]	'	'	'
Number of loans	3	'	3
Outstanding recorded investment	148	'	150
Troubled debt restructured during year [Abstract]	'	'	'
Number of Loans	0	1	'
Outstanding Recorded Balance, pre-modification	0	17	'
Outstanding Recorded Balance, Post modification	$0	$17	'

LOANS_Loans_Modified_or_Renewe

LOANS, Loans Modified or Renewed (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
	Loan	Loan
Financing Receivable, Modifications [Line Items]	'	'
Number of loans	3	11
Outstanding recorded balance	$1,422	$19,703
Commercial Real Estate [Member]	'	'
Financing Receivable, Modifications [Line Items]	'	'
Number of loans	3	11
Outstanding recorded balance	$1,422	$19,703

LOANS_Summary_of_NonPerforming

LOANS, Summary of Non-Performing Assets (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Summary of non-performing assets [Abstract]	'	'
Non-accrual loans	$14,059	$15,183
Non-accrual loans held-for-sale	0	0
Loans 90 days past due and still accruing	0	0
OREO	0	0
Total non-performing assets	14,059	15,183
TDRs accruing interest	10,631	10,647
TDRs - nonaccruing	$5,445	$5,438

LOANS_Loans_and_Allowance_for_1

LOANS, Loans and Allowance for Loan Losses by Risk Rating (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014		Mar. 31, 2013	Dec. 31, 2013
Summarizes non-accrual loans by loan class [Abstract]	'		'	'
Non-accrual Loans principal balance	$14,059		'	$15,183
Percentage of Total (in hundredths)	100.00%		'	100.00%
Total Loans	1,129,818		'	1,068,848
Percentage of Total Loans (in hundredths)	1.20%		'	1.40%
Additional interest income for the non-accrual loans outstanding at the end of the reported periods	494		406	'
Collateral value securing non-accrual loans [Abstract]	'		'	'
Non-accrual Loans principal balance	14,059		'	15,183
Non-accrual loans collateral value	19,250		'	23,636
Commercial and Industrial [Member]	'		'	'
Summarizes non-accrual loans by loan class [Abstract]	'		'	'
Non-accrual Loans principal balance	4,843	[1]	'	5,014	[1]
Percentage of Total (in hundredths)	34.40%		'	33.00%
Total Loans	165,019		'	171,199
Percentage of Total Loans (in hundredths)	0.40%		'	0.40%
Collateral value securing non-accrual loans [Abstract]	'		'	'
Non-accrual Loans principal balance	4,843	[1]	'	5,014	[1]
Non-accrual loans collateral value	3,750	[1]	'	3,750	[1]
Commercial Real Estate [Member]	'		'	'
Summarizes non-accrual loans by loan class [Abstract]	'		'	'
Non-accrual Loans principal balance	6,936		'	7,492
Percentage of Total (in hundredths)	49.30%		'	49.30%
Total Loans	489,958		'	469,357
Percentage of Total Loans (in hundredths)	0.60%		'	0.70%
Collateral value securing non-accrual loans [Abstract]	'		'	'
Non-accrual Loans principal balance	6,936		'	7,492
Non-accrual loans collateral value	9,960		'	13,050
Multifamily [Member]	'		'	'
Summarizes non-accrual loans by loan class [Abstract]	'		'	'
Non-accrual Loans principal balance	0		'	0
Percentage of Total (in hundredths)	0.00%		'	0.00%
Total Loans	221,841		'	184,624
Percentage of Total Loans (in hundredths)	0.00%		'	0.00%
Collateral value securing non-accrual loans [Abstract]	'		'	'
Non-accrual Loans principal balance	0		'	0
Real Estate Construction [Member]	'		'	'
Summarizes non-accrual loans by loan class [Abstract]	'		'	'
Non-accrual Loans principal balance	0		'	0
Percentage of Total (in hundredths)	0.00%		'	0.00%
Total Loans	14,940		'	6,565
Percentage of Total Loans (in hundredths)	0.00%		'	0.00%
Collateral value securing non-accrual loans [Abstract]	'		'	'
Non-accrual Loans principal balance	0		'	0
Residential Mortgages [Member]	'		'	'
Summarizes non-accrual loans by loan class [Abstract]	'		'	'
Non-accrual Loans principal balance	1,840		'	1,897
Percentage of Total (in hundredths)	13.10%		'	12.50%
Total Loans	173,347		'	169,552
Percentage of Total Loans (in hundredths)	0.20%		'	0.20%
Collateral value securing non-accrual loans [Abstract]	'		'	'
Non-accrual Loans principal balance	1,840		'	1,897
Non-accrual loans collateral value	4,565		'	3,764
Home Equity [Member]	'		'	'
Summarizes non-accrual loans by loan class [Abstract]	'		'	'
Non-accrual Loans principal balance	431		'	647
Percentage of Total (in hundredths)	3.10%		'	4.30%
Total Loans	55,250		'	57,112
Percentage of Total Loans (in hundredths)	0.00%		'	0.10%
Collateral value securing non-accrual loans [Abstract]	'		'	'
Non-accrual Loans principal balance	431		'	647
Non-accrual loans collateral value	975		'	3,072
Consumer [Member]	'		'	'
Summarizes non-accrual loans by loan class [Abstract]	'		'	'
Non-accrual Loans principal balance	9		'	133
Percentage of Total (in hundredths)	0.10%		'	0.90%
Total Loans	9,463		'	10,439
Percentage of Total Loans (in hundredths)	0.00%		'	0.00%
Collateral value securing non-accrual loans [Abstract]	'		'	'
Non-accrual Loans principal balance	9		'	133
Non-accrual loans collateral value	$0		'	$0
[1]	Repayment of commercial and industrial loans is expected primarily from the cash flow of the business. The collateral typically securing these loans is a lien on all corporate assets via a blanket UCC filing and does not usually include real estate. For purposes of this disclosure, the Company has ascribed no value to the non-real estate collateral for this class of loans.

LOANS_Loans_Current_and_Past_D

LOANS, Loans Current and Past Due by Aging Categories (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Summary of current and past due loans [Abstract]	'	'
30-59 days past due	$3,636	$3,049
60-89 days past due	116	439
90 days and over past due	14,059	15,183
Total past due	17,811	18,671
Current	1,112,007	1,050,177
Total loans	1,129,818	1,068,848
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due (in hundredths)	0.30%	0.30%
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due (in hundredths)	0.00%	0.00%
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due (in hundredths)	1.30%	1.40%
Financing Receivable, Recorded Investment, Past Due (in hundredths)	1.60%	1.70%
Financing Receivable, Recorded Investment, Current (in hundredths)	98.40%	98.30%
% of Total Loan (in hundredths)	100.00%	100.00%
Commercial and Industrial [Member]	'	'
Summary of current and past due loans [Abstract]	'	'
30-59 days past due	159	13
60-89 days past due	83	0
90 days and over past due	4,843	5,014
Total past due	5,085	5,027
Current	159,934	166,172
Total loans	165,019	171,199
Commercial Real Estate [Member]	'	'
Summary of current and past due loans [Abstract]	'	'
30-59 days past due	979	631
60-89 days past due	0	0
90 days and over past due	6,936	7,492
Total past due	7,915	8,123
Current	482,043	461,234
Total loans	489,958	469,357
Multifamily [Member]	'	'
Summary of current and past due loans [Abstract]	'	'
30-59 days past due	0	0
60-89 days past due	0	0
90 days and over past due	0	0
Total past due	0	0
Current	221,841	184,624
Total loans	221,841	184,624
Real Estate Construction [Member]	'	'
Summary of current and past due loans [Abstract]	'	'
30-59 days past due	0	0
60-89 days past due	0	0
90 days and over past due	0	0
Total past due	0	0
Current	14,940	6,565
Total loans	14,940	6,565
Residential Mortgages [Member]	'	'
Summary of current and past due loans [Abstract]	'	'
30-59 days past due	1,636	1,535
60-89 days past due	0	339
90 days and over past due	1,840	1,897
Total past due	3,476	3,771
Current	169,871	165,781
Total loans	173,347	169,552
Home Equity [Member]	'	'
Summary of current and past due loans [Abstract]	'	'
30-59 days past due	807	795
60-89 days past due	24	100
90 days and over past due	431	647
Total past due	1,262	1,542
Current	53,988	55,570
Total loans	55,250	57,112
Consumer [Member]	'	'
Summary of current and past due loans [Abstract]	'	'
30-59 days past due	55	75
60-89 days past due	9	0
90 days and over past due	9	133
Total past due	73	208
Current	9,390	10,231
Total loans	$9,463	$10,439

LOANS_Loans_by_Internal_Assign

LOANS, Loans by Internal Assigned Grade for Credit Risk (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Credit risk profile by internally assigned grade [Abstract]	'	'
Total	$1,129,818	$1,068,848
Total (in hundredths)	100.00%	100.00%
Pass [Member]	'	'
Credit risk profile by internally assigned grade [Abstract]	'	'
Total	1,090,201	1,026,121
Total (in hundredths)	96.50%	96.00%
Special Mention [Member]	'	'
Credit risk profile by internally assigned grade [Abstract]	'	'
Total	6,349	5,751
Total (in hundredths)	0.60%	0.50%
Substandard [Member]	'	'
Credit risk profile by internally assigned grade [Abstract]	'	'
Total	33,268	36,976
Total (in hundredths)	2.90%	3.50%
Commercial and Industrial [Member]	'	'
Credit risk profile by internally assigned grade [Abstract]	'	'
Total	165,019	171,199
Commercial and Industrial [Member] | Pass [Member]	'	'
Credit risk profile by internally assigned grade [Abstract]	'	'
Total	152,091	158,536
Commercial and Industrial [Member] | Special Mention [Member]	'	'
Credit risk profile by internally assigned grade [Abstract]	'	'
Total	3,563	2,934
Commercial and Industrial [Member] | Substandard [Member]	'	'
Credit risk profile by internally assigned grade [Abstract]	'	'
Total	9,365	9,729
Commercial Real Estate [Member]	'	'
Credit risk profile by internally assigned grade [Abstract]	'	'
Total	489,958	469,357
Commercial Real Estate [Member] | Pass [Member]	'	'
Credit risk profile by internally assigned grade [Abstract]	'	'
Total	468,449	445,302
Commercial Real Estate [Member] | Special Mention [Member]	'	'
Credit risk profile by internally assigned grade [Abstract]	'	'
Total	2,786	2,817
Commercial Real Estate [Member] | Substandard [Member]	'	'
Credit risk profile by internally assigned grade [Abstract]	'	'
Total	18,723	21,238
Multifamily [Member]	'	'
Credit risk profile by internally assigned grade [Abstract]	'	'
Total	221,841	184,624
Multifamily [Member] | Pass [Member]	'	'
Credit risk profile by internally assigned grade [Abstract]	'	'
Total	221,841	184,624
Multifamily [Member] | Special Mention [Member]	'	'
Credit risk profile by internally assigned grade [Abstract]	'	'
Total	0	0
Multifamily [Member] | Substandard [Member]	'	'
Credit risk profile by internally assigned grade [Abstract]	'	'
Total	0	0
Real Estate Construction [Member]	'	'
Credit risk profile by internally assigned grade [Abstract]	'	'
Total	14,940	6,565
Real Estate Construction [Member] | Pass [Member]	'	'
Credit risk profile by internally assigned grade [Abstract]	'	'
Total	14,940	6,565
Real Estate Construction [Member] | Special Mention [Member]	'	'
Credit risk profile by internally assigned grade [Abstract]	'	'
Total	0	0
Real Estate Construction [Member] | Substandard [Member]	'	'
Credit risk profile by internally assigned grade [Abstract]	'	'
Total	0	0
Residential Mortgages [Member]	'	'
Credit risk profile by internally assigned grade [Abstract]	'	'
Total	173,347	169,552
Residential Mortgages [Member] | Pass [Member]	'	'
Credit risk profile by internally assigned grade [Abstract]	'	'
Total	168,755	164,559
Residential Mortgages [Member] | Special Mention [Member]	'	'
Credit risk profile by internally assigned grade [Abstract]	'	'
Total	0	0
Residential Mortgages [Member] | Substandard [Member]	'	'
Credit risk profile by internally assigned grade [Abstract]	'	'
Total	4,592	4,993
Home Equity [Member]	'	'
Credit risk profile by internally assigned grade [Abstract]	'	'
Total	55,250	57,112
Home Equity [Member] | Pass [Member]	'	'
Credit risk profile by internally assigned grade [Abstract]	'	'
Total	54,819	56,379
Home Equity [Member] | Special Mention [Member]	'	'
Credit risk profile by internally assigned grade [Abstract]	'	'
Total	0	0
Home Equity [Member] | Substandard [Member]	'	'
Credit risk profile by internally assigned grade [Abstract]	'	'
Total	431	733
Consumer [Member]	'	'
Credit risk profile by internally assigned grade [Abstract]	'	'
Total	9,463	10,439
Consumer [Member] | Pass [Member]	'	'
Credit risk profile by internally assigned grade [Abstract]	'	'
Total	9,306	10,156
Consumer [Member] | Special Mention [Member]	'	'
Credit risk profile by internally assigned grade [Abstract]	'	'
Total	0	0
Consumer [Member] | Substandard [Member]	'	'
Credit risk profile by internally assigned grade [Abstract]	'	'
Total	$157	$283

LOANS_Details_Textual

LOANS (Details Textual) (USD $)	3 Months Ended
	Mar. 31, 2014	Dec. 31, 2013
Allowance for Loan Losses (Additional Textual) [Abstract]	'	'
Number of consecutive years	'5 years	'
Threshold loan amount for annual rating review	$1,000,000	'
Allocation of specific reserve regarding troubled debt restructuring	611,000	586,000
Troubled debt restructuring funds committed	$250,000	$250,000
Minimum repayment period	'2 years	'

EMPLOYEE_BENEFITS_Details

EMPLOYEE BENEFITS (Details) (USD $)	3 Months Ended
	Mar. 31, 2014	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012
Net periodic defined benefit pension expense [Abstract]	'	'	'	'
Interest cost	$540,000	'	$498,000	'
Expected return on plan assets	-637,000	'	-575,000	'
Net amortization	6,000	'	61,000	'
Net periodic pension credit	-91,000	'	-16,000	'
Minimum required contribution for the pension plan	'	'	'	1,000,000
Additional minimum required contribution for the pension plan	0	'	'	'
Non-recurring gain	'	$1,700,000	'	'

STOCKBASED_COMPENSATION_Detail

STOCK-BASED COMPENSATION (Details) (USD $)	3 Months Ended		12 Months Ended
In Thousands, except Share data, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'	'	'	'
Options exercise period	'3 years	'	'3 years	'3 years
Vesting rate	'1.33333	'	'1.33333	'1.3333
Number of Shares [Roll Forward]	'	'	'	'
Outstanding at beginning (in shares)	291,000	'	'	'
Granted (in shares)	0	'	'	'
Exercised (in shares)	0	'	'	'
Forfeited or expired (in shares)	-9,166	'	'	'
Outstanding at ending (in shares)	281,834	'	'	'
Weighted Average Exercise Price [Roll Forward]	'	'	'	'
Outstanding at beginning (in dollars per share)	$16.18	'	'	'
Granted (in dollars per share)	$0	'	'	'
Exercised (in dollars per share)	$0	'	'	'
Forfeited or expired (in dollars per share)	$20.27	'	'	'
Outstanding at ending (in dollars per share)	$16.04	'	'	'
Summary of options outstanding and exercisable [Abstract]	'	'	'	'
Weighted-Average Remaining Contractual Life	'8 years	'	'	'
Total Shares Outstanding (in shares)	281,834	'	'	'
Total Weighted-Average Remaining Contractual Life	'6 years 6 months	'	'	'
Total Weighted-Average Exercise Price (in dollars per share)	$16.04	'	'	'
Total Shares Exercisable (in shares)	88,671	'	'	'
Total Weighted-Average Exercise Price (in dollars per share)	$18.83	'	'	'
Compensation expense	$165	$82	'	'
Remaining unrecognized compensation cost	$728	'	'	'
Remaining unrecognized compensation cost remaining vesting period	'2 years 3 months 18 days	'	'	'
$10.00 - $14.00 [Member]	'	'	'	'
Summary of options outstanding and exercisable [Abstract]	'	'	'	'
From (in dollars per share)	$10	'	'	'
To (in dollars per share)	$14	'	'	'
Shares Outstanding (in shares)	140,000	'	'	'
Weighted-Average Remaining Contractual Life	'7 years 10 months 24 days	'	'	'
Weighted-Average Exercise Price (in dollars per share)	$12.01	'	'	'
Shares Exercisable (in shares)	50,003	'	'	'
Weighted-Average Remaining Contractual Life	'8 years	'	'	'
Weighted-Average Exercise Price (in dollars per share)	$12.81	'	'	'
$14.01 - $20.00 [Member]	'	'	'	'
Summary of options outstanding and exercisable [Abstract]	'	'	'	'
From (in dollars per share)	$14.01	'	'	'
To (in dollars per share)	$20	'	'	'
Shares Outstanding (in shares)	114,834	'	'	'
Weighted-Average Remaining Contractual Life	'9 years 2 months 12 days	'	'	'
Weighted-Average Exercise Price (in dollars per share)	$17.24	'	'	'
Shares Exercisable (in shares)	11,668	'	'	'
Weighted-Average Remaining Contractual Life	'8 years 9 months 18 days	'	'	'
Weighted-Average Exercise Price (in dollars per share)	$14.47	'	'	'
$20.01 - $30.00 [Member]	'	'	'	'
Summary of options outstanding and exercisable [Abstract]	'	'	'	'
From (in dollars per share)	$20.01	'	'	'
To (in dollars per share)	$30	'	'	'
Shares Outstanding (in shares)	5,000	'	'	'
Weighted-Average Remaining Contractual Life	'4 years 9 months 18 days	'	'	'
Weighted-Average Exercise Price (in dollars per share)	$28.30	'	'	'
Shares Exercisable (in shares)	5,000	'	'	'
Weighted-Average Remaining Contractual Life	'4 years 9 months 18 days	'	'	'
Weighted-Average Exercise Price (in dollars per share)	$28.30	'	'	'
$30.01 - $40.00 [Member]	'	'	'	'
Summary of options outstanding and exercisable [Abstract]	'	'	'	'
From (in dollars per share)	$30.01	'	'	'
To (in dollars per share)	$40	'	'	'
Shares Outstanding (in shares)	22,000	'	'	'
Weighted-Average Remaining Contractual Life	'2 years 3 months 18 days	'	'	'
Weighted-Average Exercise Price (in dollars per share)	$32.69	'	'	'
Shares Exercisable (in shares)	22,000	'	'	'
Weighted-Average Remaining Contractual Life	'2 years 3 months 18 days	'	'	'
Weighted-Average Exercise Price (in dollars per share)	$32.69	'	'	'
Stock Appreciation Rights (SARs) [Member]	'	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'	'	'	'
Options outstanding related to SAR's (in shares)	6,000	'	'	'
Intrinsic value of SAR's (in dollars per share)	$0	'	'	'
Non Qualified Stock Option [Member] | Chief Executive Officer [Member]	'	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'	'	'	'
Options exercise period	'	'	'	'3 years
Vesting rate	'	'	'	'1.33333
Number of Shares [Roll Forward]	'	'	'	'
Granted (in shares)	'	'	'	30,000
Weighted Average Exercise Price [Roll Forward]	'	'	'	'
Granted (in dollars per share)	'	'	'	10.79
Maximum [Member]	'	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'	'	'	'
Options exercise period	'10 years	'	'	'
2009 Stock Incentive Plan [Member]	'	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'	'	'	'
Company's common stock reserved for issuance (in shares)	500,000	'	'	'
Common stock available for possible issuance (in shares)	268,499	'	'	'
1999 Stock Incentive Plan [Member]	'	'	'	'
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]	'	'	'	'
Company's common stock reserved for issuance (in shares)	0	'	'	'

INCOME_TAXES_Details

INCOME TAXES (Details) (USD $)	3 Months Ended
	Mar. 31, 2014	Dec. 31, 2013	Mar. 31, 2013	Dec. 31, 2012
INCOME TAXES [Abstract]	'	'	'	'
Income tax receivable	'	'	'	$5,000,000
Unrecognized tax benefits including interest	34,000	34,000	34,000	'
Operating Loss Carryforwards [Line Items]	'	'	'	'
Valuation reserve	464,000	'	'	'
Income Tax Reconciliation, Change in Enacted Tax Rate	462,000	'	'	'
Income Tax Reconciliation, Nondeductible Expense, Share-based Compensation Cost	454,000	'	'	'
Federal [Member]	'	'	'	'
Operating Loss Carryforwards [Line Items]	'	'	'	'
Net operating loss carryforwards	3,300,000	'	'	'
New York State [Member]	'	'	'	'
Operating Loss Carryforwards [Line Items]	'	'	'	'
Net operating loss carryforwards	20,000,000	'	'	'
Corporate tax rate, effective (in hundredths)	7.10%	'	'	'
Corporate tax rate, future - 2016 (in hundredths)	6.50%	'	'	'
Asset qualifying threshold for tax modification	8,000,000,000	'	'	'
Maximum mortgage threshold for loans	$5,000,000	'	'	'

REGULATORY_MATTERS_Details

REGULATORY MATTERS (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Total Capital (to risk-weighted assets) [Abstract]	'	'
Actual capital ratios, Amount	$188,551	$181,952
Minimum for capital adequacy, Amount	102,394	97,542
Minimum to be "Well Capitalized" under prompt corrective action provisions, Amount	127,992	121,927
Total Capital (to risk-weighted assets) Ratios [Abstract]	'	'
Actual capital ratios, Ratio (in hundredths)	14.73%	14.92%
Minimum for capital adequacy, Ratio (in hundredths)	8.00%	8.00%
Minimum to be "Well Capitalized" under prompt corrective action provisions, Ratio (in hundredths)	10.00%	10.00%
Tier 1 Capital (to risk-weighted assets) [Abstract]	'	'
Actual capital ratios, Amount	172,527	166,683
Minimum for capital adequacy, Amount	51,197	48,771
Minimum to be "Well Capitalized" under prompt corrective action provisions, Amount	76,795	73,156
Tier 1 Capital (to risk-weighted assets) Ratio [Abstract]	'	'
Actual capital ratios, ratio (in hundredths)	13.48%	13.67%
Minimum for capital adequacy, Ratio (in hundredths)	4.00%	4.00%
Minimum to be "Well Capitalized" under prompt corrective action provisions, Ratio (in hundredths)	6.00%	6.00%
Tier 1 Capital (to average assets) [Abstract]	'	'
Actual capital ratios, Amount	172,527	166,683
Minimum for capital adequacy, Amount	67,629	68,454
Minimum to be "Well Capitalized" under prompt corrective action provisions, Amount	$84,536	$85,567
Tier 1 Capital (to average assets) Ratios [Abstract]	'	'
Actual capital ratios, ratio (in hundredths)	10.20%	9.74%
Minimum for capital adequacy, Ratio (in hundredths)	4.00%	4.00%
Minimum to be "Well Capitalized" under prompt corrective action provisions, Ratio (in hundredths)	5.00%	5.00%
Tier 1 Leverage Capital ratio (in hundredths)	10.20%	9.74%
Tier 1 Risk-based Capital Ratio (in hundredths)	13.48%	13.67%
Total Risk-based Capital Ratio (in hundredths)	14.73%	14.92%
Parent Company [Member]	'	'
Total Capital (to risk-weighted assets) Ratios [Abstract]	'	'
Actual capital ratios, Ratio (in hundredths)	14.82%	15.02%
Tier 1 Capital (to risk-weighted assets) Ratio [Abstract]	'	'
Actual capital ratios, ratio (in hundredths)	13.57%	13.77%
Tier 1 Capital (to average assets) Ratios [Abstract]	'	'
Actual capital ratios, ratio (in hundredths)	10.27%	9.81%
Tier 1 Leverage Capital ratio (in hundredths)	10.27%	9.81%
Tier 1 Risk-based Capital Ratio (in hundredths)	13.57%	13.77%
Total Risk-based Capital Ratio (in hundredths)	14.82%	15.02%

FAIR_VALUE_Balance_Sheets_Grou

FAIR VALUE, Balance Sheets Grouping (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2013		Mar. 31, 2014
Carrying amounts and estimated fair values of financial instruments [Abstract]	'		'
Interest-bearing time deposits in other banks	$10,000		$10,000
Bank Owned Life Insurance	38,755		44,109
Percentage of derivative in net sale proceeds (in hundredths)	12.00%		'
Carrying Amount [Member]	'		'
Carrying amounts and estimated fair values of financial instruments [Abstract]	'		'
Federal Reserve Bank, Federal Home Loan Bank and other stock	2,863		2,863
Carrying Amount [Member] | Level 1 [Member]	'		'
Carrying amounts and estimated fair values of financial instruments [Abstract]	'		'
Cash and due from banks	131,352		86,165
Carrying Amount [Member] | Level 2 [Member]	'		'
Carrying amounts and estimated fair values of financial instruments [Abstract]	'		'
Cash equivalents	1,000		1,038
Interest-bearing time deposits in other banks	10,000		10,000
Investment securities held to maturity	11,666		45,479
Investment securities available for sale	400,780		364,148
Loans held for sale	175		190
Accrued interest and loan fees receivable	5,441		6,322
Non maturity deposits	1,284,982		1,295,095
Time deposits	225,079		228,339
Accrued interest payable	160		160
Carrying Amount [Member] | Level 3 [Member]	'		'
Carrying amounts and estimated fair values of financial instruments [Abstract]	'		'
Bank Owned Life Insurance	38,755		44,109
Carrying Amount [Member] | Level 2/3 [Member]	'		'
Carrying amounts and estimated fair values of financial instruments [Abstract]	'		'
Loans, net of allowance	1,051,585	[1]	1,112,081	[1]
Estimated Fair Value [Member]	'		'
Carrying amounts and estimated fair values of financial instruments [Abstract]	'		'
Federal Reserve Bank, Federal Home Loan Bank and other stock	'		'
Estimated Fair Value [Member] | Level 1 [Member]	'		'
Carrying amounts and estimated fair values of financial instruments [Abstract]	'		'
Cash and due from banks	131,352		86,165
Estimated Fair Value [Member] | Level 2 [Member]	'		'
Carrying amounts and estimated fair values of financial instruments [Abstract]	'		'
Cash equivalents	1,000		1,038
Interest-bearing time deposits in other banks	10,000		10,000
Investment securities held to maturity	12,234		46,008
Investment securities available for sale	400,780		364,148
Loans held for sale	175		190
Accrued interest and loan fees receivable	5,441		6,322
Non maturity deposits	1,284,982		1,295,095
Time deposits	225,946		229,064
Accrued interest payable	160		160
Estimated Fair Value [Member] | Level 3 [Member]	'		'
Carrying amounts and estimated fair values of financial instruments [Abstract]	'		'
Bank Owned Life Insurance	38,755		44,109
Estimated Fair Value [Member] | Level 2/3 [Member]	'		'
Carrying amounts and estimated fair values of financial instruments [Abstract]	'		'
Loans, net of allowance	$1,056,279	[1]	$1,112,942	[1]
[1]	Impaired loans are generally classified within Level 3 of the fair value hierarchy.

FAIR_VALUE_Recurring_Basis_Det

FAIR VALUE, Recurring Basis (Details) (Fair Value, Measurements, Recurring [Member], USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Assets [Abstract]	'	'
Total	$366,517	$403,118
Liabilities [Abstract]	'	'
Derivatives	932	932
Total	932	932
U.S. Government Agency Securities [Member]	'	'
Assets [Abstract]	'	'
Total	66,761	100,095
Corporate Bonds [Member]	'	'
Assets [Abstract]	'	'
Total	15,684	15,651
Collateralized Mortgage Obligations [Member]	'	'
Assets [Abstract]	'	'
Total	27,299	30,104
Mortgage-backed Securities [Member]	'	'
Assets [Abstract]	'	'
Total	98,481	97,767
Obligations of States and Political Subdivisions [Member]	'	'
Assets [Abstract]	'	'
Total	155,923	157,163
Loans Held For Sale [Member]	'	'
Assets [Abstract]	'	'
Total	190	175
Mortgage Servicing Rights [Member]	'	'
Assets [Abstract]	'	'
Total	2,179	2,163
Significant Other Observable Inputs (Level 2) [Member]	'	'
Assets [Abstract]	'	'
Total	364,338	400,955
Liabilities [Abstract]	'	'
Derivatives	0	0
Total	0	0
Significant Other Observable Inputs (Level 2) [Member] | U.S. Government Agency Securities [Member]	'	'
Assets [Abstract]	'	'
Total	66,761	100,095
Significant Other Observable Inputs (Level 2) [Member] | Corporate Bonds [Member]	'	'
Assets [Abstract]	'	'
Total	15,684	15,651
Significant Other Observable Inputs (Level 2) [Member] | Collateralized Mortgage Obligations [Member]	'	'
Assets [Abstract]	'	'
Total	27,299	30,104
Significant Other Observable Inputs (Level 2) [Member] | Mortgage-backed Securities [Member]	'	'
Assets [Abstract]	'	'
Total	98,481	97,767
Significant Other Observable Inputs (Level 2) [Member] | Obligations of States and Political Subdivisions [Member]	'	'
Assets [Abstract]	'	'
Total	155,923	157,163
Significant Other Observable Inputs (Level 2) [Member] | Loans Held For Sale [Member]	'	'
Assets [Abstract]	'	'
Total	190	175
Significant Other Observable Inputs (Level 2) [Member] | Mortgage Servicing Rights [Member]	'	'
Assets [Abstract]	'	'
Total	0	0
Significant Unobservable Inputs (Level 3) [Member]	'	'
Assets [Abstract]	'	'
Total	2,179	2,163
Liabilities [Abstract]	'	'
Derivatives	932	932
Total	932	932
Significant Unobservable Inputs (Level 3) [Member] | U.S. Government Agency Securities [Member]	'	'
Assets [Abstract]	'	'
Total	0	0
Significant Unobservable Inputs (Level 3) [Member] | Corporate Bonds [Member]	'	'
Assets [Abstract]	'	'
Total	0	0
Significant Unobservable Inputs (Level 3) [Member] | Collateralized Mortgage Obligations [Member]	'	'
Assets [Abstract]	'	'
Total	0	0
Significant Unobservable Inputs (Level 3) [Member] | Mortgage-backed Securities [Member]	'	'
Assets [Abstract]	'	'
Total	0	0
Significant Unobservable Inputs (Level 3) [Member] | Obligations of States and Political Subdivisions [Member]	'	'
Assets [Abstract]	'	'
Total	0	0
Significant Unobservable Inputs (Level 3) [Member] | Loans Held For Sale [Member]	'	'
Assets [Abstract]	'	'
Total	0	0
Significant Unobservable Inputs (Level 3) [Member] | Mortgage Servicing Rights [Member]	'	'
Assets [Abstract]	'	'
Total	$2,179	$2,163

FAIR_VALUE_Nonrecurring_Basis_

FAIR VALUE, Non-recurring Basis (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Assets measured at fair value on a non-recurring basis [Abstract]	'	'
Impaired loans	$15,510	$16,942
Total	15,510	16,942
Significant Unobservable Inputs (Level 3) [Member]	'	'
Assets measured at fair value on a non-recurring basis [Abstract]	'	'
Impaired loans	15,510	16,942
Total	$15,510	$16,942

FAIR_VALUE_Reconciliations_for

FAIR VALUE, Reconciliations for Assets and Liabilities Measured at Fair Value on a Recurring Basis Using Significant Unobservable Inputs (Level 3) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Liabilities Derivatives [Member]	'	'
Fair Value Measurements Using Significant Unobservable Inputs (Level 3) [Rollforward]	'	'
Beginning balance	$932	'
Net increases	0	'
Ending balance	932	'
Assets Mortgage Servicing Rights [Member]	'	'
Fair Value Measurements Using Significant Unobservable Inputs (Level 3) [Rollforward]	'	'
Beginning balance	2,163	1,856
Net increases	16	183
Ending balance	$2,179	$2,039