Chemung Financial (CHMG) 10-Q9 May 142014 Q1 Quarterly reportFinancial data

Company Profile

Document_and_Entity_Informatio

Document and Entity Information	3 Months Ended
Document and Entity Information	Mar. 31, 2014	8-May-14
Document and Entity Information [Abstract]	'	'
Entity Registrant Name	'CHEMUNG FINANCIAL CORP	'
Entity Central Index Key	'0000763563	'
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	'	4,615,372
Document Fiscal Year Focus	'2014	'
Document Fiscal Period Focus	'Q1	'
Document Type	'10-Q	'
Amendment Flag	'false	'
Document Period End Date	31-Mar-14	'

CONSOLIDATED_BALANCE_SHEET_UNA

CONSOLIDATED BALANCE SHEET (UNAUDITED) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
ASSETS	'	'
Cash and due from financial institutions	$34,478	$31,600
Interest-bearing deposits in other financial institutions	22,670	20,009
Total cash and cash equivalents	57,148	51,609
Trading assets, at fair value	413	366
Securities available for sale, at estimated fair value	337,134	346,016
Securities held to maturity, estimated fair value at March 31, 2014 $6,532 and $6,930 at December 31,2013	6,126	6,495
Federal Home Loan Bank and Federal Reserve Bank Stock, at cost	4,482	4,482
Loans, net of deferred origination fees and costs, and unearned income	1,024,565	995,866
Allowance for loan losses	-13,155	-12,776
Loans, net	1,011,410	983,090
Loans held for sale	75	695
Premises and equipment, net	29,351	30,039
Goodwill	21,824	21,824
Other intangible assets, net	6,033	6,377
Bank owned life insurance	2,815	2,796
Accrued interest and other assets	20,720	22,354
Total assets	1,497,531	1,476,143
Deposits:	'	'
Non-interest-bearing	354,727	351,222
Interest-bearing	937,163	915,034
Total deposits	1,291,890	1,266,256
Securities sold under agreements to repurchase	30,646	32,701
Federal Home Loan Bank term advances	25,189	25,243
Dividends payable	1,200	1,195
Accrued interest payable and other liabilities	8,083	12,170
Total liabilities	1,357,008	1,337,565
Shareholders' equity:	'	'
Common stock, $.01 par value per share, 10,000,000 shares authorized; 5,310,076 issued at March 31, 2014 and December 31, 2013	53	53
Additional-paid-in capital	45,516	45,399
Retained earnings	111,895	111,031
Treasury stock, at cost (694,704 shares at March 31, 2014; 707,674 shares at December 31, 2013)	-17,728	-18,060
Accumulated other comprehensive income	787	155
Total shareholders' equity	140,523	138,578
Total liabilities and shareholders' equity	$1,497,531	$1,476,143

CONSOLIDATED_BALANCE_SHEETS_UN

CONSOLIDATED BALANCE SHEETS (UNAUDITED) (Parenthetical) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, except Share data, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
ASSETS	'	'
Securities held to maturity, estimated fair value	$6,532	$6,930
Shareholders' equity:	'	'
Common stock, par value (in dollars per share)	$0.01	$0.01
Common stock, shares authorized (in shares)	10,000,000	10,000,000
Common stock, shares issued (in shares)	5,310,076	5,310,076
Treasury stock, at cost (in shares)	694,704	707,674

CONSOLIDATED_STATEMENTS_OF_INC

CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) (USD $)	3 Months Ended
In Thousands, except Share data, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Interest and dividend income:	'	'
Loans, including fees	$11,168	$11,304
Taxable securities	1,503	1,131
Tax exempt securities	264	305
Interest-bearing deposits	19	8
Total interest and dividend income	12,954	12,748
Interest Expense	'	'
Deposits	522	624
Securities sold under agreements to repurchase	209	219
Borrowed funds	190	188
Total interest expense	921	1,031
Net interest income	12,033	11,717
Provision for loan losses	639	431
Net interest income after provision for loan losses	11,394	11,286
Other operating income:	'	'
Wealth management group fee income	1,883	1,750
Service charges on deposit accounts	1,232	969
Net gain on sales of loans held for sale	41	112
Net losses on sales of other real estate owned	-30	0
Income from bank owned life insurance	19	21
Other	1,819	1,170
Total other operating income	4,964	4,022
Other operating expenses:	'	'
Salaries and wages	5,153	4,818
Pension and other employee benefits	1,359	1,424
Net occupancy expenses	1,793	1,362
Furniture and equipment expenses	630	518
Data processing expense	1,481	1,113
Professional services	222	329
Amortization of intangible assets	344	235
Marketing and advertising expenses	293	288
Other real estate owned expenses	87	36
FDIC insurance	269	217
Loan expense	149	143
Merger and acquisition related expenses	86	0
Other	1,477	1,242
Total operating expenses	13,343	11,725
Income before income tax expense	3,015	3,583
Income tax expense	951	1,171
Net Income	$2,064	$2,412
Weighted average shares outstanding (in shares)	4,677,178	4,655,862
Basic and diluted earnings per share (in dollars per share)	$0.44	$0.52

CONSOLIDATED_STATEMENTS_OF_COM

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED) [Abstract]	'	'
Net income	$2,064	$2,412
Other comprehensive income:	'	'
Unrealized holding gains (losses) on securities available for sale	884	-70
Reclassification adjustment gains realized in net income	0	0
Net unrealized gains (losses)	884	-70
Tax effect	340	-27
Net of tax amount	544	-43
Change in funded status of defined benefit pension plan and other benefit plans:	'	'
Net gain (loss) arising during the period	0	0
Reclassification adjustment for amortization of prior service costs	-22	-21
Reclassification adjustment for amortization of net actuarial loss	165	390
Total before tax effect	143	369
Tax effect	55	142
Net of tax amount	88	227
Total other comprehensive income	632	184
Comprehensive income	$2,696	$2,596

CONSOLIDATED_STATEMENTS_OF_SHA

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY (UNAUDITED) (USD $)	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Treasury Stock [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Total
In Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Treasury Stock [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Total
Balances at Dec. 31, 2012	$53	$45,357	$107,078	($18,566)	($2,807)	$131,115
Net income	0	0	2,412	0	0	2,412
Other comprehensive income	0	0	0	0	184	184
Restricted stock awards	0	60	0	0	0	60
Restricted stock units for directors' deferred compensation plan	0	25	0	0	0	25
Cash dividends declared	0	0	-1,194	0	0	-1,194
Distribution of shares of treasury stock for directors' compensation	0	14	0	203	0	217
Distribution of shares of treasury stock for employee compensation	0	7	0	105	0	112
Purchase of shares of treasury stock	0	0	0	-93	0	-93
Sale of treasury stock	0	10	0	60	0	70
Balances at Mar. 31, 2013	53	45,473	108,296	-18,291	-2,623	132,908
Balances at Dec. 31, 2013	53	45,399	111,031	-18,060	155	138,578
Net income	0	0	2,064	0	0	2,064
Other comprehensive income	0	0	0	0	632	632
Restricted stock awards	0	36	0	0	0	36
Restricted stock units for directors' deferred compensation plan	0	23	0	0	0	23
Distribution of shares of treasury stock granted for employee restricted stock awards	0	-26	0	26	0	0
Cash dividends declared	0	0	-1,200	0	0	-1,200
Distribution of shares of treasury stock for directors' compensation	0	59	0	214	0	273
Distribution of shares of treasury stock for employee compensation	0	25	0	92	0	117
Balances at Mar. 31, 2014	$53	$45,516	$111,895	($17,728)	$787	$140,523

CONSOLIDATED_STATEMENTS_OF_SHA1

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY (UNAUDITED) (Parenthetical) (USD $)	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013
CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY (UNAUDITED) [Abstract]	'	'
Distribution of shares of treasury stock granted for employee restricted stock awards (in shares)	990	'
Cash dividends declared (in dollars per share)	$0.26	$0.26
Distribution of shares of treasury stock for directors' compensation (in shares)	8,385	7,969
Distribution of shares of treasury stock for employee compensation (in shares)	3,595	4,116
Purchase of shares of treasury stock (in shares)	'	3,094
Sale of shares of treasury stock (in shares)	'	2,369

CONSOLIDATED_STATEMENTS_OF_CAS

CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
CASH FLOWS FROM OPERATING ACTIVITIES:	'	'
Net income	$2,064	$2,412
Adjustments to reconcile net income to net cash provided by operating activities:	'	'
Amortization of intangible assets	344	235
Provision for loan losses	639	431
Depreciation and amortization of fixed assets	886	749
Amortization of premiums on securities, net	614	538
Gains on sales of loans held for sale, net	-41	-112
Proceeds from sales of loans held for sale	1,804	3,455
Loans originated and held for sale	-1,143	-3,071
Net gains on trading assets	-12	-19
Purchase of trading assets	-35	-17
Net losses on sales of other real estate owned	30	0
Decrease (increase) in other assets	1,354	-58
Decrease in prepaid FDIC assessment	0	199
Decrease in accrued interest payable	-46	-64
Expense related to restricted stock units for directors' deferred compensation plan	23	25
Expense related to employee stock compensation	117	112
Expense related to employee stock awards	36	60
Decrease in other liabilities	-4,021	-1,654
Income from bank owned life insurance	-19	-21
Net cash provided by operating activities	2,594	3,200
CASH FLOWS FROM INVESTING ACTIVITIES:	'	'
Proceeds from sales and calls of securities available for sale	5,000	10,500
Proceeds from maturities and principal collected on securities available for sale	5,027	20,375
Proceeds from maturities and principal collected on securities held to maturity	630	257
Purchases of securities available for sale	-875	-27,103
Purchases of securities held to maturity	-261	-4,407
Purchase of Federal Home Loan Bank and Federal Reserve Bank stock	0	-917
Redemption of Federal Home Loan Bank and Federal Reserve Bank stock	0	1,020
Purchases of premises and equipment	-198	-65
Proceeds from sales of other real estate owned	249	0
Net increase in loans	-28,958	-27,955
Net cash used by investing activities	-19,386	-28,295
CASH FLOWS FROM FINANCING ACTIVITIES:	'	'
Net increase in demand deposits, interest-bearing demand accounts, savings accounts, and insured money market accounts	34,257	36,964
Net decrease in time deposits	-8,623	-4,599
Net decrease in securities sold under agreements to repurchase	-2,055	-1,283
Repayments of Federal Home Loan Bank long term advances	-54	-68
Purchase of treasury stock	0	-93
Sale of treasury stock	0	70
Cash dividends paid	-1,194	0
Net cash provided by financing activities	22,331	30,991
Net increase in cash and cash equivalents	5,539	5,896
Cash and cash equivalents, beginning of period	51,609	40,241
Cash and cash equivalents, end of period	57,148	46,137
Cash paid for:	'	'
Interest	967	1,095
Income taxes	68	168
Supplemental disclosure of non-cash activity:	'	'
Dividends declared, not yet paid	$1,200	$1,194

SUMMARY_OF_SIGNIFICANT_ACCOUNT

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	3 Months Ended
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	Mar. 31, 2014
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]	'
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	'
	NOTE 1 SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

	Organization

	Chemung Financial Corporation (the “Corporation”), through its wholly owned subsidiaries, Chemung Canal Trust Company (the “Bank”) and CFS Group, Inc., provides a wide range of banking, financing, fiduciary and other financial services to its clients. The Corporation and the Bank are subject to the regulations of certain federal and state agencies and undergo periodic examinations by those regulatory authorities.

	Basis of Presentation

	The accompanying unaudited consolidated financial statements have been prepared in conformity with GAAP and include the accounts of the Corporation and its subsidiaries. All significant intercompany balances and transactions are eliminated in consolidation. Amounts in the prior periods' consolidated financial statements are reclassified whenever necessary to conform with the current period's presentation.

	The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in the financial statements and disclosures provided, and actual results could differ. The allowance for loan losses, fair value of financial instruments, other-than-temporary impairment of investment securities and goodwill and other intangibles are particularly subject to change.

	Subsequent Events

	The Corporation has evaluated events and transactions through the time the unaudited consolidated financial statements were issued. Financial statements are considered issued when they are widely distributed to all shareholders and other financial statement users, or filed with the SEC. In conjunction with applicable accounting standards, all material subsequent events have been either recognized in the unaudited consolidated financial statements or disclosed in the notes to the unaudited consolidated financial statements.

	Recent Accounting Pronouncements

	In January, 2014 the FASB issued ASU-2014-04, an amendment to Receivables-Troubled Debt Restructurings by Creditors (Subtopic 310-40), Reclassification of Residential Real Estate and Collateralized Consumer Mortgage Loans upon Foreclosure. The objective of this ASU is to improve reporting by clarifying 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 is derecognized and the real estate property recognized. The amendments in this ASU are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. The Corporation will adopt all provisions of this ASU as of January 1, 2015. We are currently evaluating the potential impact on our consolidated financial statements.

EARNING_PER_COMMON_SHARE

EARNING PER COMMON SHARE	3 Months Ended
EARNING PER COMMON SHARE	Mar. 31, 2014
EARNING PER COMMON SHARE [Abstract]	'
EARNING PER COMMON SHARE	'
	NOTE 2 EARNING PER COMMON SHARE

	Basic earnings per share is net income divided by the weighted average number of common shares outstanding during the period. Issuable shares, including those related to directors’ restricted stock units and directors’ stock compensation, are considered outstanding and are included in the computation of basic earnings per share. All outstanding unvested share based payment awards that contain rights to nonforfeitable dividends are considered participating securities for this calculation. Restricted stock awards are grants of participating securities and are considered outstanding at grant date. Earnings per share information is adjusted to present comparative results for stock splits and stock dividends that occur. Earnings per share were computed by dividing net income by 4,677,178 and 4,655,862 weighted average shares outstanding for the three-month periods ended March 31, 2014 and 2013, respectively. There were no dilutive common stock equivalents during the three-month periods ended March 31, 2014 or 2013.

SECURITIES

SECURITIES	3 Months Ended
SECURITIES	Mar. 31, 2014
SECURITIES [Abstract]	'
SECURITIES	'
	NOTE 3 SECURITIES

	Amortized cost and estimated fair value of securities available for sale are as follows (dollars in thousands):

			31-Mar-14
			Amortized			Unrealized Gains			Unrealized Losses			Estimated Fair Value
			Cost			Unrealized Gains			Unrealized Losses			Estimated Fair Value
	Obligations of U.S. Government and U.S.		$	181,676		$	1,767		$	473		$	182,970
	Government sponsored enterprises		$	181,676		$	1,767		$	473		$	182,970
	Mortgage-backed securities, residential			99,974			1,284			121			101,137
	Collateralized mortgage obligations			777			12			-			789
	Obligations of states and political subdivisions			37,368			1,012			35			38,345
	Corporate bonds and notes			2,869			63			6			2,926
	SBA loan pools			1,426			15			3			1,438
	Trust Preferred securities			1,900			137			-			2,037
	Corporate stocks			443			7,051			2			7,492
	Total		$	326,433		$	11,341		$	640		$	337,134

			31-Dec-13
			Amortized Cost			Unrealized Gains			Unrealized Losses			Estimated Fair Value
	Obligations of U.S. Government and U.S.		$	187,098		$	1,915		$	907		$	188,106
	Government sponsored enterprises		$	187,098		$	1,915		$	907		$	188,106
	Mortgage-backed securities, residential			104,069			1,036			749			104,356
	Collateralized mortgage obligations			1,001			14			-			1,015
	Obligations of states and political subdivisions			37,339			1,059			22			38,376
	Corporate bonds and notes			2,879			76			9			2,946
	SBA loan pools			1,471			17			-			1,488
	Trust preferred securities			1,898			136			-			2,034
	Corporate stocks			444			7,253			2			7,695
	Total		$	336,199		$	11,506		$	1,689		$	346,016

	Amortized cost and estimated fair value of securities held to maturity are as follows (dollars in thousands):

			31-Mar-14
			Amortized Cost			Unrealized Gains			Unrealized Losses			Estimated Fair Value
	Obligations of states and political subdivisions		$	5,304		$	392		$	-		$	5,696
	Time deposits with other financial institutions			822			14			-			836
	Total		$	6,126		$	406		$	-		$	6,532

			31-Dec-13
			Amortized Cost			Unrealized Gains			Unrealized Losses			Estimated Fair Value
	Obligations of states and political subdivisions		$	5,472		$	419		$	-		$	5,891
	Time deposits with other financial institutions			1,023			16			-			1,039
	Total		$	6,495		$	435		$	-		$	6,930

	The amortized cost and estimated fair value of debt securities are shown below by expected maturity. Expected maturities may differ from contractual maturities if borrowers have the right to call or prepay obligations with or without call or prepayment penalties. Securities not due at a single maturity date are shown separately (dollars in thousands):

			31-Mar-14
			Available for Sale						Held to Maturity
			Amortized			Fair			Amortized			Fair
			Cost			Value			Cost			Value
	Within One Year		$	23,856		$	24,217		$	2,537		$	2,567
	After One, But Within Five Years			182,121			184,229			2,297			2,477
	After Five, But Within Ten Years			17,836			17,832			1,292			1,488
	After Ten Years			-			-			-			-
				223,813			226,278			6,126			6,532
	Mortgage-backed securities, residential			99,974			101,137			-			-
	Collateralized mortgage obligations			777			789			-			-
	SBA loan pools			1,426			1,438			-			-
	Total		$	325,990		$	329,642		$	6,126		$	6,532

	There were no proceeds from sales and calls of securities resulting in gains or losses at March 31, 2014 and 2013.

The following tables summarize the investment securities available for sale with unrealized losses at March 31, 2014 and December 31, 2013 by aggregated major security type and length of time in a continuous unrealized loss position (dollars in thousands):

		Less than 12 months						12 months or longer						Total
31-Mar-14		Fair Value			Unrealized			Fair Value			Unrealized			Fair Value		Unrealized
31-Mar-14		Fair Value			Losses			Fair Value			Losses			Fair Value		Losses
Obligations of U.S.		$	89,296		$	444		$	1,984		$	29		$	91,280	$	473
Government and U.S.
Government sponsored
enterprises
Mortgage-backed securities,			33,382			121			-			-			33,382		121
residential			33,382			121			-			-			33,382		121
Obligations of states and			5,778			35			-			-			5,778		35
political subdivisions			5,778			35			-			-			5,778		35
Corporate bonds and notes			240			6			-			-			240		6
SBA loan pools			631			3			-			-			631		3
Corporate stocks			-			-			2			2			2		2
Total temporarily		$	129,327		$	609		$	1,986		$	31		$	131,313	$	640
impaired securities		$	129,327		$	609		$	1,986		$	31		$	131,313	$	640


		Less than 12 months						12 months or longer						Total
31-Dec-13		Fair Value			Unrealized			Fair Value			Unrealized			Fair Value		Unrealized
31-Dec-13		Fair Value			Losses			Fair Value			Losses			Fair Value		Losses
Obligations of U.S.		$	83,840		$	867		$	1,978		$	39		$	85,818	$	906
Government and U.S.
Government sponsored
enterprises
Mortgage-backed securities,			63,115			750			-			-			63,115		750
residential			63,115			750			-			-			63,115		750
Obligations of states and			4,589			22			-			-			4,589		22
political subdivisions			4,589			22			-			-			4,589		22
Corporate bonds and notes			238			9			-			-			238		9
Corporate stocks			-			-			2			2			2		2
Total temporarily		$	151,782		$	1,648		$	1,980		$	41		$	153,762	$	1,689
impaired securities		$	151,782		$	1,648		$	1,980		$	41		$	153,762	$	1,689

Other-Than-Temporary Impairment

As of March 31, 2014, the majority of the Corporation’s unrealized losses in the investment securities portfolio related to obligations of U.S. Government and U.S. Government sponsored enterprises and mortgage-backed securities. Because the decline in fair value is attributable to changes in interest rates and not credit quality, and because the Corporation does not have the intent to sell these securities and it is not likely that it will be required to sell these securities before their anticipated recovery, the Corporation does not consider these securities to be other-than-temporarily impaired at March 31, 2014.

During the first quarter of 2014, the Corporation received notice that one CDO consisting of a pool of trust preferred securities was liquidated and recorded $0.5 million in other operating income during the first quarter of 2014. The Corporation does not own any other CDO’s in its investment securities portfolio.

The tables below present a roll forward of the cumulative credit losses recognized in earnings for the three-month periods ending March 31, 2014 and 2013 (dollars in thousands):

		2014			2013
Beginning balance, January 1,		$	1,939		$	3,506
Amounts related to credit loss for which an other-than-temporary			-			-
impairment was not previously recognized			-			-
Additions/Subtractions:
Amounts realized for securities sold during the period			-			-
Amounts related to securities for which the company intends to sell			-			-
or that it will be more likely than not that the company will be required to
sell prior to recovery of amortized cost basis
Reductions for increase in cash flows expected to be collected that are			-			-
recognized over the remaining life of the security			-			-
Reductions for previous credit losses realized in securities liquidated during the period			(1,939	)		-
Increases to the amount related to the credit loss for which other-than-temporary			-			-
impairment was previously recognized			-			-
Ending balance, March 31,		$	-		$	3,506

LOANS_AND_ALLOWANCE_FOR_LOAN_L

LOANS AND ALLOWANCE FOR LOAN LOSSES	3 Months Ended
LOANS AND ALLOWANCE FOR LOAN LOSSES	Mar. 31, 2014
LOANS AND ALLOWANCE FOR LOAN LOSSES [Abstract]	'
LOANS AND ALLOWANCE FOR LOAN LOSSES	'
	NOTE 4 LOANS AND ALLOWANCE FOR LOAN LOSSES

	The composition of the loan portfolio, net of deferred origination fees and cost, and unearned income is summarized as follows (dollars in thousands):

			31-Mar-14				31-Dec-13
	Commercial and agricultural:
	Commercial and industrial		$	144,681			$	144,787
	Agricultural			534				576
	Commercial mortgages:
	Construction			29,692				27,440
	Commercial mortgages			367,175				345,707
	Residential mortgages			196,396				195,997
	Consumer loans:
	Credit cards			1,583				1,756
	Home equity lines and loans			95,827				95,905
	Indirect consumer loans			170,853				164,846
	Direct consumer loans			17,824				18,852
	Total loans, net of deferred origination		$	1,024,565			$	995,866
	fees and costs, and unearned income		$	1,024,565			$	995,866
	Interest receivable on loans			2,367				2,597
	Total recorded investment in loans		$	1,026,932			$	998,463

	The Corporation's concentrations of credit risk by loan type are reflected in the preceding table. The concentrations of credit risk with standby letters of credit, committed lines of credit and commitments to originate new loans generally follow the loan classifications in the table above.

	The following tables present the activity in the allowance for loan losses by portfolio segment for the three-month periods ending March 31, 2014 and 2013 (dollars in thousands):

			Three Months Ended
			31-Mar-14
	Allowance for loan losses		Commercial and Agricultural				Commercial Mortgages				Residential Mortgages				Consumer Loans				Unallocated				Total
	Beginning balance:		$	1,979			$	6,243			$	1,517			$	3,037			$	-			$	12,776
	Charge Offs:			(55	)			(44	)			(7	)			(467	)			-				(573	)
	Recoveries:			92				38				-				183				-				313
	Net recoveries (charge offs)			37				(6	)			(7	)			(284	)			-				(260	)
	Provision			(71	)			247				42				421				-				639
	Ending balance		$	1,945			$	6,484			$	1,552			$	3,174			$	-			$	13,155

			Three Months Ended
			31-Mar-13
	Allowance for loan losses		Commercial and Agricultural				Commercial Mortgages				Residential Mortgages				Consumer Loans				Unallocated						Total
	Beginning balance:		$	1,707			$	4,428		$		1,566			$	2,706			$	26			$		10,433
	Charge Offs:			(17	)			-				(44	)			(197	)			-					(258	)
	Recoveries:			142				9				-				68				-					219
	Net recoveries (charge-offs)			125				9				(44	)			(129	)			-					(39	)
	Provision			161				236				35				25				-26					431
	Ending balance		$	1,993			$	4,673			$	1,557			$	2,602			$	-			$		10,825

	The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of March 31, 2014 and December 31, 2013 (dollars in thousands):

			31-Mar-14
	Allowance for loan losses		Commercial and Agricultural				Commercial Mortgages				Residential Mortgages				Consumer Loans				Unallocated				Total
	Ending allowance balance
	attributable to loans:
	Individually evaluated for		$	549			$	192			$	-			$	3			$	-			$	744
	impairment		$	549			$	192			$	-			$	3			$	-			$	744
	Collectively evaluated for			1,396				4,802				1,540				3,171				-				10,909
	impairment			1,396				4,802				1,540				3,171				-				10,909
	Loans acquired with			-				1,490				12				-				-				1,502
	deteriorated credit quality			-				1,490				12				-				-				1,502
	Total ending allowance balance		$	1,945			$	6,484			$	1,552			$	3,174			$	-			$	13,155

			31-Dec-13
	Allowance for loan losses		Commercial and Agricultural				Commercial Mortgages				Residential Mortgages				Consumer Loans				Unallocated				Total
	Ending allowance balance
attributable to loans:
Individually evaluated for		$	576			$	466			$	-			$	4			$	-			$	1,046
impairment		$	576			$	466			$	-			$	4			$	-			$	1,046
Collectively evaluated for			1,403				4,407				1,497				3,033				-				10,340
impairment			1,403				4,407				1,497				3,033				-				10,340
Loans acquired with			-				1,370				20				-				-				1,390
deteriorated credit quality			-				1,370				20				-				-				1,390
Total ending allowance balance		$	1,979			$	6,243			$	1,517			$	3,037			$	-			$	12,776

		31-Mar-14
Loans:		Commercial				Commercial Mortgages				Residential Mortgages				Consumer Loans				Total
		and
		Agricultural
Loans individually		$	2,208			$	9,544			$	114			$	129			$	11,995	1,
evaluated for impairment		$	2,208			$	9,544			$	114			$	129			$	11,995	1,
Loans collectively			142,675				379,366				196,518				286,616				1,005,175
evaluated for impairment			142,675				379,366				196,518				286,616				1,005,175
Loans acquired with deteriorated			655				8,841				266				-				9,762
credit quality			655				8,841				266				-				9,762
Total ending loans balance		$	145,538			$	397,751			$	196,898			$	286,745			$	1,026,932

		31-Dec-13
Loans:		Commercial				Commercial Mortgages				Residential Mortgages				Consumer Loans				Total
		and
		Agricultural
Loans individually		$	2,946			$	10,703			$	117			$	131			$	13,897
evaluated for impairment		$	2,946			$	10,703			$	117			$	131			$	13,897
Loans collectively			142,108				354,636				196,147				281,979				974,870
evaluated for impairment			142,108				354,636				196,147				281,979				974,870
Loans acquired with deteriorated			678				8,757				261				-				9,696
credit quality			678				8,757				261				-				9,696
Total ending loans balance		$	145,732			$	374,096			$	196,525			$	282,110			$	998,463

The following tables present loans individually evaluated for impairment recognized by class of loans as of March 31, 2014 and December 31, 2013, the average recorded investment and interest income recognized by class of loans as of the three-month periods ended March 31, 2014 and 2013 (dollars in thousands):

		31-Mar-14												31-Dec-13
With no related allowance recorded:		Unpaid Principal Balance				Recorded Investment				Allowance for Loan Losses Allocated				Unpaid Principal Balance				Recorded Investment				Allowance for Loan Losses Allocated
Commercial and agricultural:
Commercial and industrial		$	1,398			$	1,403			$	-			$	1,906		$	1,909			$	-
Commercial mortgages:
Construction			2,286				2,273				-				2,329			2,319				-
Commercial mortgages other			6,479				6,490				-				7,406			7,439				-
Residential mortgages			114				114				-				117			117				-
Consumer loans:
Home equity lines and loans			69				71				-				71			73				-
With an allowance recorded:
Commercial and agricultural:
Commercial and industrial			804				805				549				1,037			1,037				576
Commercial mortgages:
Commercial mortgages other			783				781				192				951			945				466
Consumer loans:
Home equity lines and loans			57				58				3				58			58				4
Total		$	11,990			$	11,995			$	744			$	13,875		$	13,897			$	1,046

			Three Months Ended						Three Months Ended
			31-Mar-14						31-Mar-13
With no related allowance recorded:			Average Recorded Investment			Interest Income Recognized (1)				Average Recorded Investment				Interest Income Recognized (1)
Commercial and agricultural:
Commercial and industrial		$	1,656		$	14			$	1,458			$	17
Commercial mortgages:
Construction			2,296			25				474				-
Commercial mortgages other			7,005			63				5,583				53
Residential mortgages			115			-				130				-
Consumer loans:
Home equity lines & loans			72			1				23				-
With an allowance recorded:
Commercial and agricultural:
Commercial and industrial			921			-				387				-
Commercial mortgages:
Commercial mortgages other			863			-				361				-
Consumer loans:
Home equity lines and loans			58			1				29				-
Direct consumer loans			-			-				8				-
Total		$	12,986		$	104			$	8,453			$	70
(1)	Cash basis interest income approximates interest income recognized.

The following tables present the recorded investment in past due and non-accrual status by class of loans as of March 31, 2014 and December 31, 2013 (dollars in thousands):

31-Mar-14		Current					30-89 Days Past Due				90 Days or more Past Due and accruing					Loans acquired with deteriorated credit quality			Non-Accrual (1)					Total
Commercial and agricultural:
Commercial and industrial		$	142,750				$	520			$	-			$	655			$	1,078			$	145,003
Agricultural			535					-				-				-				-				535
Commercial mortgages:
Construction			27,037					-				1,451				774				496				29,758
Commercial mortgages others			356,618					1,002				-				8,067				2,306				367,993
Residential mortgages			189,719					3,073				-				266				3,840				196,898
Consumer loans:
Credit cards			1,568					8				7				-				-				1,583
Home equity lines and loans			95,235					280				-				-				543				96,058
Indirect consumer loans			169,838					1,091				-				-				293				171,222
Direct consumer loans			17,822					49				-				-				11				17,882
Total		$	1,001,122				$	6,023			$	1,458			$	9,762			$	8,567			$	1,026,932
(1) Includes all loans on non-accrual status regardless of the number of days such loans were delinquent as of March 31, 2014.


31-Dec-13		Current					30-89 Days Past Due				90 Days or more Past Due and accruing					Loans acquired with deteriorated credit quality			Non-Accrual (1)					Total
Commercial and agricultural:
Commercial and industrial		$	143,100				$	29			$	-			$	678			$	1,348			$	145,155
Agricultural			577					-				-				-				-				577
Commercial mortgages:
Construction			24,742					-				1,454				774				540				27,510
Commercial mortgages other			335,123					1,138				-				7,983				2,342				346,586
Residential mortgages			187,448					5,458				-	`			261				3,358				196,525
Consumer loans:
Credit cards			1,729					9				19				-				-				1,757
Home equity lines and loans			95,349					150				-				-				635				96,134
Indirect consumer loans			163,810					1,235				-				-				249				165,294
Direct consumer loans			18,830					50				-				-				45				18,925
Total		$	970,708				$	8,069			$	1,473			$	9,696			$	8,517			$	998,463
(1) Includes all loans on non-accrual status regardless of the number of days such loans were delinquent as of December 31, 2013.

Troubled Debt Restructurings:

As of March 31, 2014 and December 31, 2013, the Corporation has a recorded investment in troubled debt restructurings of $7.3 million and $7.9 million, respectively. There were specific reserves of $0.2 million and $0.3 million allocated for troubled debt restructurings at March 31, 2014 and December 31, 2013, respectively. As of March 31, 2014, troubled debt restructurings totaling $6.5 million were accruing interest under the modified terms and $0.8 million were on non-accrual status. As of December 31, 2013, troubled debt restructurings totaling $6.8 million were accruing interest under the modified terms and $1.1 million were on non-accrual status. The Corporation has not committed to lend additional amounts as of March 31, 2014 to customers with outstanding loans that are classified as troubled debt restructurings. The Corporation had committed additional amounts totaling up to $0.2 million as of December 31, 2013 to customers with outstanding loans that are classified as troubled debt restructurings.

During the three months ended March 31, 2014 and 2013, the terms of certain loans were modified as troubled debt restructurings. The modification of the terms of such loans included one or a combination of the following: reduced scheduled payments for greater than three months or an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk.

The following table presents loans by class modified as troubled debt restructurings that occurred during the three months ended March 31, 2014 and March 31, 2013 (dollars in thousands):

31-Mar-14		Number of Loans				Pre-Modification Outstanding Recorded Investment				Post-Modification Outstanding Recorded Investment
Troubled debt restructurings:
Commercial and agricultural:
Commercial and industrial			1			$	503			$	503
Commercial mortgages:
Commercial mortgages			2				367				323
Total			3			$	870			$	826


31-Mar-13
Troubled debt restructurings:
Commercial and agricultural:
Commercial and industrial			2			$	431			$	431
Consumer loans:
Home equity lines and loans			2			$	104				104
Total			4			$	535			$	535

The troubled debt restructurings described above did not increase the allowance for loan losses and resulted in less than $0.1 million in charge offs during the three months ended March 31, 2014. The troubled debt restructurings described above increased the allowance for loan losses by less than $0.1 million and resulted in no charge offs during the three months ended March 31, 2013.

There were no payment defaults on any loans previously modified as troubled debt restructurings during the three months ending March 31, 2014 or March 31, 2013, within twelve months following the modification. A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms.

Credit Quality Indicators

The Corporation establishes a risk rating at origination for all commercial loans. The main factors considered in assigning risk ratings include, but are not limited to: historic and future debt service coverage, collateral position, operating performance, liquidity, leverage, payment history, management ability, and the customer’s industry. Commercial relationship managers monitor all loans in their respective portfolios for any changes in the borrower’s ability to service their debt and affirm the risk ratings for the loans at least annually.

For the retail loans, which include lines of credit, installment, mortgage, and home equity loans, once a loan is properly approved and closed, the Corporation evaluates credit quality based upon loan repayment.

The Corporation uses the risk rating system to identify criticized and classified loans. Commercial relationships within the criticized and classified risk ratings are analyzed quarterly. The Corporation uses the following definitions for criticized and classified loans (which are consistent with regulatory guidelines):

Special Mention – Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or the institution’s credit position at some future date.

Substandard – Loans classified as substandard are inadequately protected by the current net worth and paying capability of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.

Doubtful – Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.

Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans. Loans listed as not rated are included in groups of homogeneous loans. Based on the analyses performed as of March 31, 2014 and December 31, 2013, the risk category of the recorded investment of loans by class of loans is as follows (dollars in thousands):


	31-Mar-14
		Not Rated						Pass				Loans acquired with deteriorated credit quality				Special Mention				Substandard				Doubtful
Commercial and agricultural:
Commercial and industrial		$	-					$	134,207			$	655			$	6,068			$	3,268			$	805
Agricultural			-						535				-				-				-				-
Commercial mortgages:
Construction			-						25,101				774				3,061				822				-
Commercial mortgages other			-						333,719				8,067				16,394				9,753				60
Residential mortgages			192,792						-				266				-				3,840				-
Consumer loans:
Credit cards			1,583						-				-				-				-				-
Home equity lines and loans			95,439						-				-				-				619				-
Indirect consumer loans			170,920						-				-				-				302				-
Direct consumer loans			17,871						-				-				-				11				-
Total		$	478,605					$	493,562			$	9,762			$	25,523			$	18,615			$	865

	31-Dec-13
		Not Rated						Pass				Loans acquired with deteriorated credit quality				Special Mention				Substandard				Doubtful
Commercial and agricultural:
Commercial and industrial		$	-					$	133,615			$	678			$	5,117			$	4,724			$	1,021
Agricultural			-						577				-				-				-				-
Commercial mortgages:
Construction			-						23,087				774				2,783				866				-
Commercial mortgages other			-						313,956				7,983				13,611				11,036				-
Residential mortgages			192,995						-				261				-				3,269				-
Consumer loans
Credit cards			1,757						-				-				-				-				-
Home equity lines and loans			95,422						-				-				-				712				-
Indirect consumer loans			165,045						-				-				-				249				-
Direct consumer loans			18,880						-				-				-				45				-
Total		$	474,099					$	471,235			$	9,696			$	21,511			$	20,901			$	1,021

The Corporation considers the performance of the loan portfolio and its impact on the allowance for loan losses. For residential and consumer loan classes, the Corporation also evaluates credit quality based on the aging status of the loan, which was previously presented, and by payment activity. The following table presents the recorded investment in residential and consumer loans based on payment activity as of March 31, 2014 and December 31, 2013 (dollars in thousands):

		31-Mar-14
						Consumer Loans
		Residential Mortgages				Credit Card				Home Equity Lines and Loans				Indirect Consumer Loans				Other Direct Consumer Loans
Performing		$	193,058			$	1,576			$	95,515			$	170,929			$	17,871
Non-Performing			3,840				7				543				293				11
Total		$	196,898			$	1,583			$	96,058			$	171,222			$	17,882


		31-Dec-13
						Consumer Loans
		Residential Mortgages				Credit Card				Home Equity Lines and Loans				Indirect Consumer Loans				Other Direct Consumer Loans
Performing		$	193,167			$	1,738			$	95,499			$	165,045			$	18,880
Non-Performing			3,358				19				635				249				45
		$	196,525			$	1,757			$	96,134			$	165,294			$	18,925

At the time of the merger with Fort Orange Financial Corp., the Corporation identified certain loans with evidence of deteriorated credit quality, and the probability that the Corporation would be unable to collect all contractually required payments from the borrower. These loans are classified as PCI loans. The Corporation adjusted its estimates of future expected losses, cash flows, and renewal assumptions on the PCI loans during the current year. These adjustments were made for changes in expected cash flows due to loans refinanced beyond original maturity dates, impairments recognized subsequent to the acquisition, advances made for taxes or insurance to protect collateral held and payments received in excess of amounts originally expected.

The table below summarizes the changes in total contractually required principal and interest cash payments, management’s estimate of expected total cash payments and carrying value of the PCI loans from January 1, 2014 to March 31, 2014 (dollars in thousands):

		Balance at				Income Accretion				All Other Adjustments				Balance at
		31-Dec-13												March 31,
														2014
Contractually required principal and interest		$	11,230			$	-			$	(157	)		$	11,073
Contractual cash flows not expected to be collected			(543	)			-				108				(435	)
(nonaccretable discount)			(543	)			-				108				(435	)
Cash flows expected to be collected			10,687				-				(49	)			10,638
Interest component of expected cash flows (accretable yield)			(991	)			199				(84	)			(876	)
Fair value of loans acquired with deteriorating credit quality		$	9,696			$	199			$	(133	)		$	9,762

FAIR_VALUE

FAIR VALUE	3 Months Ended
FAIR VALUE	Mar. 31, 2014
FAIR VALUE [Abstract]	'
FAIR VALUE	'
	NOTE 5 FAIR VALUE

	Fair value is the exchange price that would be received for an asset or paid to transfer a liability in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair value:

	Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.

	Level 2: Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data.

	Level 3: Significant unobservable inputs that reflect a reporting entity's own assumptions about the assumptions that market participants would use in pricing an asset or liability.

	The Corporation used the following methods and significant assumptions to estimate fair value:

	Investment Securities: The fair values of securities available for sale are usually determined by obtaining quoted prices on nationally recognized securities exchanges (Level 1 inputs), or matrix pricing, which is a mathematical technique widely used to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities' relationship to other benchmark quoted securities (Level 2 inputs).

	Trading Assets: Securities that are held to fund a deferred compensation plan are recorded at fair value with changes in fair value included in earnings. The fair values of trading assets are determined by quoted market prices (Level 1 inputs).

	Impaired Loans: At the time a loan is considered impaired, it is valued at the lower of cost or fair value. Impaired loans carried at fair value have been partially charged-off or receive specific allocations as part of the allowance for loan loss accounting. For collateral dependent loans, fair value is commonly based on 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 independent 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. Non-real estate collateral may be valued using an appraisal, net book value per the borrower’s financial statements, or aging reports, adjusted or discounted based on management’s historical knowledge, changes in market conditions from the time of the valuation, and management’s expertise and knowledge of the client and client’s business, typically resulting in a Level 3 fair value classification. Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted accordingly.

	Other Real Estate Owned: Assets acquired through or instead of loan foreclosures are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. Fair value is commonly 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 independent 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.

	Appraisals for both collateral-dependent impaired loans and other real estate owned (“OREO”) are performed by certified general appraisers (for commercial properties) or certified residential appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by the Corporation. Once received, appraisals are reviewed for reasonableness of assumptions, approaches utilized, Uniform Standards of Professional Appraisal Practice and other regulatory compliance, as well as the overall resulting fair value in comparison with independent data sources such as recent market data or industry-wide statistics. Appraisals are generally completed within the previous 12-month period prior to a property being placed into OREO. On impaired loans, appraisal values are adjusted based on the age of the appraisal, the position of the lien, the type of the property and its condition.

	Assets and liabilities measured at fair value on a recurring basis are summarized below (dollars in thousands):

						Fair Value Measurement at March 31, 2014 Using
	Financial Assets:		Fair Value			Quoted Prices				Significant				Significant Unobservable Inputs
						in Active Markets for Identical Assets				Other Observable Inputs				(Level 3)
						(Level 1)				(Level 2)
	Obligations of U.S. Government and U.S.		$	182,970		$	31,258			$	151,712			$	-
	Government sponsored enterprises		$	182,970		$	31,258			$	151,712			$	-
	Mortgage-backed securities, residential			101,137			-				101,137				-
	Collateralized mortgage obligations			789			-				789				-
	Obligations of states and political subdivisions			38,345			-				38,345				-
	Corporate bonds and notes			2,926			-				2,926				-
	SBA loan pools			1,438			-				1,438				-
	Trust Preferred securities			2,037			-				2,037				-
	Corporate stocks			7,492			7,075				417				-
	Total available for sale securities		$	337,134		$	38,333			$	298,801			$	-

	Trading assets		$	413		$	413			$	-			$	-


						Fair Value Measurement at December 31, 2013 Using
	Financial Assets:		Fair Value			Quoted Prices in Active Markets for Identical Assets (Level 1)				Significant Other Observable Inputs				Significant Unobservable Inputs
	Financial Assets:		Fair Value							(Level 2)				(Level 3)
	Obligations of U.S. Government and U.S.		$	188,106		$	31,262			$	156,844			$	-
	Government sponsored enterprises		$	188,106		$	31,262			$	156,844			$	-
	Mortgage-backed securities, residential			104,356			-				104,356				-
	Collateralized mortgage obligations			1,015			-				1,015				-
	Obligations of states and political subdivisions			38,376			-				38,376				-
	Corporate bonds and notes			2,946			-				2,946				-
	SBA loan pools			1,488			-				1,488				-
	Trust Preferred securities			2,034			-				2,034				-
	Corporate stocks			7,695			7,279				416				-
	Total available for sale securities		$	346,016		$	38,541			$	307,475			$	-

	Trading assets		$	366		$	366			$	-			$	-

	There were no transfers between Level 1 and Level 2 during the three-month period ending March 31, 2014 or the year ending December, 31, 2013.

	Assets and liabilities measured at fair value on a non-recurring basis are summarized below (dollars in thousands):

						Fair Value Measurement at March 31, 2014 Using
Financial Assets:		Fair Value			Quoted Prices in Active Markets for Identical Assets				Significant Other Observable Inputs				Significant Unobservable Inputs
Financial Assets:		Fair Value			(Level 1)				(Level 2)				(Level 3)
Impaired Loans:
Commercial and agricultural:
Commercial and industrial		$	255		$	-			$	-			$	255
Commercial mortgages:
Other			591			-				-				591
Consumer loans:
Home equity lines and loans			54			-				-				54
Total Impaired Loans		$	900		$	-			$	-			$	900

Other real estate owned:
Commercial mortgages:
Commercial mortgages other		$	176		$	-			$	-			$	176
Consumer loans:
Home equity lines and loans			65			-				-				65
Total Other Real Estate Owned, net		$	241		$	-			$	-			$	241


					Fair Value Measurement at December 31, 2013 Using
Financial Assets:		Fair Value			Quoted Prices in Active Markets for Identical Assets				Significant Other Observable Inputs				Significant Unobservable Inputs
Financial Assets:		Fair Value			(Level 1)				(Level 2)				(Level 3)
Impaired Loans:
Commercial and agricultural:
Commercial and industrial		$	460		$	-			$	-			$	460
Commercial mortgages:
Commercial mortgages other			485			-				-				485
Consumer loans:
Home equity lines and loans			54			-				-				54
Total Impaired Loans		$	999		$	-			$	-			$	999

Other real estate owned:
Commercial and agricultural:
Commercial and industrial		$	101		$	-			$	-			$	101
Commercial mortgages:
Commercial mortgages other			266			-				-				266
Residential mortgages			106			-				-				106
Consumer loans:
Home equity lines and loans			65			-				-				65
Total Other Real Estate Owned, net		$	538		$	-			$	-			$	538

The following table presents information related to Level 3 non-recurring fair value measurement at March 31, 2014 and December 31, 2013 (dollars in thousands):

Description		Fair Value			Technique			Unobservable Inputs
Description		at March 31, 2014			Technique			Unobservable Inputs
Impaired loans		$	900		Third party appraisals			1	Management discount based on underlying collateral characteristics and market conditions

Other real estate owned		$	241		Third party appraisals			1	Estimated holding period
								2	Estimated closing costs


Description		Fair Value at December 31, 2013			Technique			Unobservable Inputs
Impaired loans		$	999		Third party appraisals			1	Management discount based on underlying collateral characteristics and market conditions

Other real estate owned		$	538		Third party appraisals			1	Estimated holding period
								2	Estimated closing costs

Impaired loans, which are measured for impairment using the fair value of the collateral for collateral dependent loans, had a principal balance of $1.6 million with a valuation allowance of $0.7 million as of March 31, 2014, resulting in $0.3 million decrease in the provision for loan losses for the three-month period ended March 31, 2014. Impaired loans had a principal balance of $2.0 million, with a valuation allowance of $1.0 million as of December 31, 2013, resulting in an increase of $0.9 million in the provision for loan losses for the year ending December 31, 2013.
OREO, which is measured by the lower of cost or fair value less costs to sell, had a net carrying amount of $0.2 million with no valuation allowance at March 31, 2014. There were no write downs for the three–month period ending March 31, 2014. OREO had a net carrying amount of $0.5 million at December 31, 2013. The net carrying amount reflects the outstanding balance of $0.7 million, net of a valuation allowance of $0.2 million, at December 31, 2013, which resulted in an immaterial write down for the year ending December 31, 2013.

The carrying amounts and estimated fair values of other financial instruments, at March 31, 2014 and December 31, 2013, are as follows (dollars in thousands):

		Fair Value Measurements at March 31, 2014 Using
Financial assets:		Carrying Amount			Quoted Prices			Significant Other Observable Inputs				Significant Unobservable Inputs (Level 3)		Estimated Fair Value (1)
Financial assets:		Carrying Amount			in Active Markets for Identical Assets (Level 1)			(Level 2)				Significant Unobservable Inputs (Level 3)		Estimated Fair Value (1)
Cash and due from financial institutions		$	34,478		$	34,478		$	-		$	-	$	34,478
Interest-bearing deposits in other financial institutions			22,670			22,670			-			-		22,670
Trading assets			413			413			-			-		413
Securities available for sale			337,134			38,333			298,801			-		337,134
Securities held to maturity			6,126			-			6,532			-		6,532
FHLBNY and FRBNY stock			4,482			-			-			-		N/A
Loans, net			1,011,410			-			-			1,037,728		1,037,728
Loans held for sale			75			-			75			-		75
Accrued interest receivable			4,436			361			1,747			2,328		4,436
Financial liabilities:
Deposits:
Demand, savings, and insured		$	1,056,021		$	1,056,021		$	-		$	-	$	1,056,021
money market accounts		$	1,056,021		$	1,056,021		$	-		$	-	$	1,056,021
Time deposits			235,869			-			236,679			-		236,679
Securities sold under agreements to repurchase			30,646			-			31,773			-		31,773
FHLBNY term advances			25,189			-			26,142			-		26,142
Accrued interest payable			290			13			131			146		290

(1) Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates.


		Fair Value Measurements at December 31, 2013 Using
Financial assets:		Carrying Amount			Quoted Prices			Significant Other Observable Inputs				Significant Unobservable Inputs (Level 3)		Estimated Fair Value (1)
Financial assets:		Carrying Amount			in Active Markets for Identical Assets (Level 1)			(Level 2)				Significant Unobservable Inputs (Level 3)		Estimated Fair Value (1)
Cash and due from financial institutions		$	31,600		$	31,600		$	-		$	-	$	31,600
Interest-bearing deposits in other financial institutions			20,009			20,009			-			-		20,009
Trading assets			366			366			-			-		366
Securities available for sale			346,016			38,541			307,475			-		346,016
Securities held to maturity			6,495			-			6,930			-		6,930
FHLBNY and FRBNY stock			4,482			-			-			-		N/A
Loans, net			983,090			-			-			1,008,826		1,008,826
Loans held for sale			695			-			695			-		695
Accrued interest receivable			4,166			145			1,468			2,553		4,166
Financial liabilities:
Deposits:
Demand, savings, and insured		$	1,021,764		$	1,021,764		$	-		$	-	$	1,021,764
money market accounts		$	1,021,764		$	1,021,764		$	-		$	-	$	1,021,764
Time deposits			244,492			-			245,482			-		245,482
Securities sold under agreements to repurchase			32,701			-			33,636			-		33,636
FHLBNY term advances			25,243			-			26,064			-		26,064
Accrued interest payable			336			15			170			151		336

(1) Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates.

The methods and assumptions used to estimate fair value are described as follows:

Cash, Due From and Interest-Bearing Deposits in Other Financial Institutions

For those short-term instruments that generally mature in 90 days or less, the carrying value approximates fair value of which non interest-bearing deposits are classified as Level 1 and interest-bearing deposits with the FHLBNY and FRBNY are classified as Level 1.

FHLBNY and FRBNY Stock

It is not practicable to determine the fair value of FHLBNY and FRBNY stock due to restrictions placed on its transferability.

Loans Receivable

For variable-rate loans that reprice frequently, fair values approximate carrying values. The fair values for other loans are estimated through discounted cash flow analysis using interest rates currently being offered for loans with similar terms and credit quality. Loans are classified as Level 3. The methods utilized to estimate the fair value of loans do not necessarily represent an exit price.

Loans Held for Sale

Certain mortgage loans are originated with the intent to sell. Loans held for sale are recorded at the lower of cost or fair value in the aggregate. Loans held for sale are classified as Level 2.

Deposits

The fair values disclosed for demand deposits, savings accounts and money market accounts are, by definition, equal to the amounts payable on demand at the reporting date (i.e., their carrying values) and classified as Level 1.

The fair value of certificates of deposits is estimated using a discounted cash flow approach that applies interest rates currently being offered on certificates to a schedule of the weighted-average expected monthly maturities and classified as Level 2.

Securities Sold Under Agreements to Repurchase

These instruments bear both variable and fixed rates of interest. Therefore, the carrying value approximates fair value for the variable rate instruments and the fair value of fixed rate instruments is based on discounted cash flows to maturity. These are classified as Level 2.

FHLBNY Term Advances

These instruments bear a stated rate of interest to maturity and, therefore, the fair value is based on discounted cash flows to maturity and classified as Level 2.

Commitments to Extend Credit

The fair value of commitments to extend credit is based on fees currently charged to enter into similar agreements, the counter-party's credit standing and discounted cash flow analysis. The fair value of these commitments to extend credit approximates the recorded amounts of the related fees and is not material at March 31, 2014 and December 31, 2013.

Accrued Interest Receivable and Payable

For these short-term instruments, the carrying value approximates fair value resulting in a classification of Level 1, Level 2 or Level 3 depending upon the classification of the asset/liability they are associated with.

GOODWILL_AND_INTANGIBLE_ASSETS

GOODWILL AND INTANGIBLE ASSETS	3 Months Ended
GOODWILL AND INTANGIBLE ASSETS	Mar. 31, 2014
GOODWILL AND INTANGIBLE ASSETS [Abstract]	'
GOODWILL AND INTANGIBLE ASSETS	'
	NOTE 6 GOODWILL AND INTANGIBLE ASSETS

	The changes in goodwill included in the core banking segment during the periods ending March 31, 2014 and 2013 were as follows (dollars in thousands):

		2014		2013
	Beginning of year	$	21,824	$	21,824
	Acquired goodwill		-		-
	Ending balance March 31,	$	21,824	$	21,824


	Acquired intangible assets were as follows at March 31, 2014 and December 31, 2013 (dollars in thousands):

		At March 31, 2014				At December 31, 2013
		Balance Acquired		Accumulated Amortization		Balance Acquired		Accumulated Amortization
	Core deposit intangibles	$	5,975	$	2,589	$	5,975	$	2,338
	Other customer relationship intangibles		5,633		2,986		6,063		3,323
	Total	$	11,608	$	5,575	$	12,038	$	5,661


	Aggregate amortization expense was $0.3 million and $0.2 million for the three-month periods ended March 31, 2014 and 2013, respectively.

	The remaining estimated aggregate amortization expense at March 31, 2014 is listed below (dollars in thousands):

	Year	Estimated Expense
	2014	$	967
	2015		1,136
	2016		986
	2017		859
	2018		734
	2019 and thereafter		1,351
	Total	$	6,033

ACCUMULATED_OTHER_COMPREHENSIV

ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS	3 Months Ended
ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS	Mar. 31, 2014
ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS [Abstract]	'
ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS	'
	NOTE 7 ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS

	Accumulated other comprehensive income or loss represents the net unrealized holding gains or losses on securities available for sale and the funded status of the Corporation's defined benefit pension plan and other benefit plans, as of the consolidated balance sheet dates, net of the related tax effect.

	The following is a summary of the changes in accumulated other comprehensive income or loss by component, net of tax, for the periods indicated (dollars in thousands):

			Unrealized Gains and Losses on Securities Available for Sale			Defined Benefit and Other Benefit Plans				Total
	Balance at December 31, 2013		$	6,043		$	(5,888	)		$	155
	Other comprehensive income before			544			-				544
	Reclassification			544			-				544
	Amounts reclassified from accumulated other			-			88				88
	comprehensive income			-			88				88
	Net current period other comprehensive loss			544			88				632
	Balance at March 31, 2014		$	6,587		$	(5,800	)		$	787

			Unrealized Gains and Losses on Securities Available for Sale			Defined Benefit and Other Benefit Plans				Total
	Balance at December 31, 2012		$	8,023		$	(10,830	)		$	(2,807	)
	Other comprehensive income before			(43	)		-				(43	)
	Reclassification			(43	)		-				(43	)
	Amounts reclassified from accumulated other			-			227				227
	comprehensive income			-			227				227
	Net current period other comprehensive loss			(43	)		227				184
	Balance at March 31, 2013		$	7,980		$	(10,603	)		$	(2,623	)

	The following is the reclassification out of accumulated other comprehensive income for the periods indicated (dollars in thousands):

	Details about Accumulated Other Comprehensive Income Components	Three Months Ended March 31,							Affected Line Item
									in the Statement Where
									Net Income is Presented
				2014			2013
	Unrealized gains and losses on securities
	available for sale:
	Reclassification adjustment for other-than-		$	-		$	-
	temporary gains (losses) realized in income		$	-		$	-
	Realized gains on securities available for sale			-			-		Net gains on securities transactions
	Tax effect			-			-		Income tax expense
	Net of tax			-			-
	Amortization of defined pension plan
	and other benefit plan items:
	Prior service costs (a)			22			21		Pension and other employee benefits
	Actuarial losses (a)			(165	)		(390	)	Pension and other employee benefits
	Tax effect			55			142		Income tax expense
	Net of tax			(88	)		(227	)
	Total reclassification for the period, net of tax		$	(88	)	$	(227	)
	(a) These accumulated other comprehensive income components are included in the computation of net periodic pension and other benefit plan costs (see Note 9 for additional information).

COMMITMENTS_AND_CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	3 Months Ended
COMMITMENTS AND CONTINGENCIES	Mar. 31, 2014
COMMITMENTS AND CONTINGENCIES [Abstract]	'
COMMITMENTS AND CONTINGENCIES	'
	NOTE 8 COMMITMENTS AND CONTINGENCIES

	The Corporation is a party to certain financial instruments with off-balance sheet risk such as commitments under standby letters of credit, unused portions of lines of credit, overdraft protection and commitments to fund new loans. In accordance with U.S. GAAP, these financial instruments are not recorded in the financial statements. The Corporation's policy is to record such instruments when funded. These transactions involve, to varying degrees, elements of credit, interest rate and liquidity risk. Such transactions are generally used by the Corporation to manage clients' requests for funding and other client needs.

	The Bank is a party in two legal proceedings involving its Wealth Management Group. In both proceedings, the Bank, as trustee pursuant to written trust instruments, has sought judicial settlement of trust accounts in the New York Surrogate’s Court for Chemung County. Individuals who are beneficiaries under the trusts have filed formal objections and/or demand letters with the Court in both of these accounting proceedings, objecting to the final settlement of the trust accounts. The objectants primarily assert that the Bank acted imprudently by failing to diversify the trusts’ investments and they claim $9.6 million and $24.1 million, consisting of damages and disallowed trustee’s commissions, plus unspecified legal fees in the respective proceedings. These proceedings are pending in the Surrogate’s Court. While the outcome of litigation is not predictable the Bank believes that the claims are without merit and is vigorously defending them. As of March 31, 2014, no amount has been accrued for potential losses related to these proceedings as a potential loss is not considered probable or reasonably estimable in the opinion of management.

	In the normal course of business, there are various outstanding claims and legal proceedings involving the Corporation or its subsidiaries. Except for the above matter, we believe that we are not a party to any pending legal, arbitration, or regulatory proceedings that could have a material adverse impact on our financial results or liquidity.

COMPONENTS_OF_QUARTERLY_AND_YE

COMPONENTS OF QUARTERLY AND YEAR TO DATE NET PERIODIC BENEFIT COSTS	3 Months Ended
	Mar. 31, 2014
COMPONENTS OF QUARTERLY AND YEAR TO DATE NET PERIODIC BENEFIT COSTS [Abstract]	'
COMPONENTS OF QUARTERLY AND YEAR TO DATE NET PERIODIC BENEFIT COSTS	'
	NOTE 9 COMPONENTS OF QUARTERLY AND YEAR TO DATE NET PERIOD BENEFIT COSTS

	The components of net periodic expense for the Corporation’s pension and other benefit plans for the periods indicated are as follows (dollars in thousands):

		Three Months Ended
	(dollars in thousands)	31-Mar-14			31-Mar-13
	Qualified Pension
	Service cost, benefits earned during the period	$	271		$	349
	Interest cost on projected benefit obligation		435			409
	Expected return on plan assets		(793	)		(727	)
	Amortization of unrecognized transition obligation		-			-
	Amortization of unrecognized prior service cost		2			3
	Amortization of unrecognized net loss		160			380
	Net periodic pension expense	$	75		$	414

	Supplemental Pension
	Service cost, benefits earned during the period	$	10		$	10
	Interest cost on projected benefit obligation		13			11
	Expected return on plan assets		-			-
	Amortization of unrecognized prior service cost		-			-
	Amortization of unrecognized net loss		5			8
	Net periodic supplemental pension expense	$	28		$	29

	Postretirement, Medical and Life
	Service cost, benefits earned during the period	$	11		$	11
	Interest cost on projected benefit obligation		18			15
	Expected return on plan assets		-			-
	Amortization of unrecognized prior service cost		(24	)		(24	)
	Amortization of unrecognized net loss		-			1
	Net periodic postretirement, medical and life expense	$	5		$	3

SEGMENT_REPORTING

SEGMENT REPORTING	3 Months Ended
SEGMENT REPORTING	Mar. 31, 2014
SEGMENT REPORTING [Abstract]	'
SEGMENT REPORTING	'
	NOTE 10 SEGMENT REPORTING

	The Corporation manages its operations through two primary business segments: core banking and wealth management group services. The core banking segment provides revenues by attracting deposits from the general public and using such funds to originate consumer, commercial, commercial real estate, and residential mortgage loans, primarily in the Corporation’s local markets and to invest in securities. The wealth management group services segment provides revenues by providing trust and investment advisory services to clients.

	Accounting policies for the segments are the same as those described in Note 1. Summarized financial information concerning the Corporation’s reportable segments and the reconciliation to the Corporation’s consolidated results are shown in the following table. Income taxes are allocated based on the separate taxable income of each entity and indirect overhead expenses are allocated based on reasonable and equitable allocations applicable to the reportable segment. Holding company amounts are the primary differences between segment amounts and consolidated totals, and are reflected in the Holding Company and Other column below, along with amounts to eliminate transactions between segments (dollars in thousands).

			Three Months Ended March 31, 2014
			Core Banking		Wealth Management Group Services		Holding Company And Other			Consolidated Totals
	Net interest income	$	12,030	$	-	$	3		$	12,033
	Provision for loan losses		639		-		-			639
	Net interest income after provision		11,391		-		3			11,394
	for loan losses		11,391		-		3			11,394
	Other operating income		2,888		1,883		193			4,964
	Other operating expenses		11,812		1,318		213			13,343
	Income before income tax expense		2,467		565		(17	)		3,015
	Income tax expense (benefit)		758		217		(24	)		951
	Segment net income	$	1,709	$	348	$	7		$	2,064

	Segment assets	$	1,490,857	$	4,878	$	1,796		$	1,497,531

			Three Months Ended March 31, 2013
			Core Banking		Wealth Management Group Services		Holding Company And Other			Consolidated Totals
	Net interest income	$	11,715	$	-	$	2		$	11,717
	Provision for loan losses		431		-		-			431
	Net interest income after provision		11,284		-		2			11,286
	for loan losses		11,284		-		2			11,286
	Other operating income		1,995		1,750		277			4,022
	Other operating expenses		9,931		1,534		260			11,725
	Income before income tax expense		3,348		216		19			3,583
	Income tax expense		1,081		83		7			1,171
	Segment net income	$	2,267	$	133	$	12		$	2,412

	Segment assets	$	1,272,340	$	5,118	$	2,514		$	1,279,972

STOCK_COMPENSATION

STOCK COMPENSATION	3 Months Ended
	Mar. 31, 2014
STOCK COMPENSATION [Abstract]	'
STOCK COMPENSATION	'
	NOTE 11 STOCK COMPENSATION

	Board of Director’s Stock Compensation

	Members of the Board of Directors receive common shares of the Corporation equal in value to the amount of fees individually earned during the previous year for service as a director. The common shares are distributed to the Corporation's individual board members from treasury shares of the Corporation on or about January 15 following the calendar year of service.

	Additionally, the President and Chief Executive Officer of the Corporation, who does not receive cash compensation as a member of the Board of Directors, is awarded common shares equal in value to the average of those awarded to board members not employed by the Corporation who have served for 12 months during the prior year.

	During January 2014 and 2013, 8,385 and 7,969 shares, respectively, were re-issued from treasury to fund the stock component of directors' compensation. An expense of $56 thousand and $68 thousand related to this compensation was recognized during the three month periods ending March 31, 2014 and March 31, 2013, respectively. This expense is accrued as shares are earned.

	Restricted Stock Plan

	Pursuant to the Corporation’s Restricted Stock Plan (the “Plan”), the Corporation may make discretionary grants of restricted stock to officers other than the Corporation's Chief Executive Officer. Compensation expense is recognized over the vesting period of the awards based on the fair value of the stock at issue date.

	A summary of restricted stock activity from December 31, 2013 to March 31, 2014 is presented below:

		Shares			Weighted–Average Grant Date Fair Value
	Nonvested at December 31, 2013		20,639		$	27.17
	Granted		990			30.33
	Vested		(215	)		23.18
	Forfeited or Cancelled		-			-
	Nonvested at March 31, 2014		21,414		$	27.36

	As of March 31, 2014, there was $543 thousand of total unrecognized compensation cost related to nonvested shares granted under the Plan. The cost is expected to be recognized over a weighted-average period of 3.95 years. The total fair value of shares vested during the three months ended March 31, 2014 was $6 thousand.

SUMMARY_OF_SIGNIFICANT_ACCOUNT1

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	3 Months Ended
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	Mar. 31, 2014
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]	'
Organization	'
	Organization

	Chemung Financial Corporation (the “Corporation”), through its wholly owned subsidiaries, Chemung Canal Trust Company (the “Bank”) and CFS Group, Inc., provides a wide range of banking, financing, fiduciary and other financial services to its clients. The Corporation and the Bank are subject to the regulations of certain federal and state agencies and undergo periodic examinations by those regulatory authorities.
Basis of Presentation	'
	Basis of Presentation

	The accompanying unaudited consolidated financial statements have been prepared in conformity with GAAP and include the accounts of the Corporation and its subsidiaries. All significant intercompany balances and transactions are eliminated in consolidation. Amounts in the prior periods' consolidated financial statements are reclassified whenever necessary to conform with the current period's presentation.

	The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in the financial statements and disclosures provided, and actual results could differ. The allowance for loan losses, fair value of financial instruments, other-than-temporary impairment of investment securities and goodwill and other intangibles are particularly subject to change.
Subsequent Events	'
	Subsequent Events

	The Corporation has evaluated events and transactions through the time the unaudited consolidated financial statements were issued. Financial statements are considered issued when they are widely distributed to all shareholders and other financial statement users, or filed with the SEC. In conjunction with applicable accounting standards, all material subsequent events have been either recognized in the unaudited consolidated financial statements or disclosed in the notes to the unaudited consolidated financial statements.
Recent Accounting Pronouncements	'
	Recent Accounting Pronouncements

	In January, 2014 the FASB issued ASU-2014-04, an amendment to Receivables-Troubled Debt Restructurings by Creditors (Subtopic 310-40), Reclassification of Residential Real Estate and Collateralized Consumer Mortgage Loans upon Foreclosure. The objective of this ASU is to improve reporting by clarifying 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 is derecognized and the real estate property recognized. The amendments in this ASU are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. The Corporation will adopt all provisions of this ASU as of January 1, 2015. We are currently evaluating the potential impact on our consolidated financial statements.

SECURITIES_Tables

SECURITIES (Tables)	3 Months Ended
SECURITIES (Tables)	Mar. 31, 2014
SECURITIES [Abstract]	'
Amortized cost and estimated fair value of securities available for sale	'
	Amortized cost and estimated fair value of securities available for sale are as follows (dollars in thousands):

		31-Mar-14
		Amortized			Unrealized Gains		Unrealized Losses		Estimated Fair Value
		Cost			Unrealized Gains		Unrealized Losses		Estimated Fair Value
	Obligations of U.S. Government and U.S.	$	181,676		$	1,767	$	473	$	182,970
	Government sponsored enterprises	$	181,676		$	1,767	$	473	$	182,970
	Mortgage-backed securities, residential		99,974			1,284		121		101,137
	Collateralized mortgage obligations		777			12		-		789
	Obligations of states and political subdivisions		37,368			1,012		35		38,345
	Corporate bonds and notes		2,869			63		6		2,926
	SBA loan pools		1,426			15		3		1,438
	Trust Preferred securities		1,900			137		-		2,037
	Corporate stocks		443			7,051		2		7,492
	Total	$	326,433		$	11,341	$	640	$	337,134

		31-Dec-13
		Amortized Cost			Unrealized Gains		Unrealized Losses		Estimated Fair Value
	Obligations of U.S. Government and U.S.	$	187,098		$	1,915	$	907	$	188,106
	Government sponsored enterprises	$	187,098		$	1,915	$	907	$	188,106
	Mortgage-backed securities, residential		104,069			1,036		749		104,356
	Collateralized mortgage obligations		1,001			14		-		1,015
	Obligations of states and political subdivisions		37,339			1,059		22		38,376
	Corporate bonds and notes		2,879			76		9		2,946
	SBA loan pools		1,471			17		-		1,488
	Trust preferred securities		1,898			136		-		2,034
	Corporate stocks		444			7,253		2		7,695
	Total	$	336,199		$	11,506	$	1,689	$	346,016

Amortized cost and estimated fair value of securities held to maturity	'
	Amortized cost and estimated fair value of securities held to maturity are as follows (dollars in thousands):

		31-Mar-14
		Amortized Cost			Unrealized Gains		Unrealized Losses		Estimated Fair Value
	Obligations of states and political subdivisions	$	5,304		$	392	$	-	$	5,696
	Time deposits with other financial institutions		822			14		-		836
	Total	$	6,126		$	406	$	-	$	6,532

		31-Dec-13
		Amortized Cost			Unrealized Gains		Unrealized Losses		Estimated Fair Value
	Obligations of states and political subdivisions	$	5,472		$	419	$	-	$	5,891
	Time deposits with other financial institutions		1,023			16		-		1,039
	Total	$	6,495		$	435	$	-	$	6,930

Amortized cost and estimated fair value of debt securities by contractual maturity	'
	The amortized cost and estimated fair value of debt securities are shown below by expected maturity. Expected maturities may differ from contractual maturities if borrowers have the right to call or prepay obligations with or without call or prepayment penalties. Securities not due at a single maturity date are shown separately (dollars in thousands):

		31-Mar-14
		Available for Sale					Held to Maturity
		Amortized			Fair		Amortized		Fair
		Cost			Value		Cost		Value
	Within One Year	$	23,856		$	24,217	$	2,537	$	2,567
	After One, But Within Five Years		182,121			184,229		2,297		2,477
	After Five, But Within Ten Years		17,836			17,832		1,292		1,488
	After Ten Years		-			-		-		-
			223,813			226,278		6,126		6,532
	Mortgage-backed securities, residential		99,974			101,137		-		-
	Collateralized mortgage obligations		777			789		-		-
	SBA loan pools		1,426			1,438		-		-
	Total	$	325,990		$	329,642	$	6,126	$	6,532
Investment securities available for sale in an unrealized loss position	'
	The following tables summarize the investment securities available for sale with unrealized losses at March 31, 2014 and December 31, 2013 by aggregated major security type and length of time in a continuous unrealized loss position (dollars in thousands):

		Less than 12 months					12 months or longer				Total
	31-Mar-14	Fair Value			Unrealized		Fair Value		Unrealized		Fair Value		Unrealized
	31-Mar-14	Fair Value			Losses		Fair Value		Losses		Fair Value		Losses
	Obligations of U.S.	$	89,296		$	444	$	1,984	$	29	$	91,280	$	473
	Government and U.S.
	Government sponsored
	enterprises
	Mortgage-backed securities,		33,382			121		-		-		33,382		121
	residential		33,382			121		-		-		33,382		121
	Obligations of states and		5,778			35		-		-		5,778		35
	political subdivisions		5,778			35		-		-		5,778		35
	Corporate bonds and notes		240			6		-		-		240		6
	SBA loan pools		631			3		-		-		631		3
	Corporate stocks		-			-		2		2		2		2
	Total temporarily	$	129,327		$	609	$	1,986	$	31	$	131,313	$	640
	impaired securities	$	129,327		$	609	$	1,986	$	31	$	131,313	$	640


		Less than 12 months					12 months or longer				Total
	31-Dec-13	Fair Value			Unrealized		Fair Value		Unrealized		Fair Value		Unrealized
	31-Dec-13	Fair Value			Losses		Fair Value		Losses		Fair Value		Losses
	Obligations of U.S.	$	83,840		$	867	$	1,978	$	39	$	85,818	$	906
	Government and U.S.
	Government sponsored
	enterprises
	Mortgage-backed securities,		63,115			750		-		-		63,115		750
	residential		63,115			750		-		-		63,115		750
	Obligations of states and		4,589			22		-		-		4,589		22
	political subdivisions		4,589			22		-		-		4,589		22
	Corporate bonds and notes		238			9		-		-		238		9
	Corporate stocks		-			-		2		2		2		2
	Total temporarily	$	151,782		$	1,648	$	1,980	$	41	$	153,762	$	1,689
	impaired securities	$	151,782		$	1,648	$	1,980	$	41	$	153,762	$	1,689

Roll forward of the cumulative credit losses recognized in earnings	'
	The tables below present a roll forward of the cumulative credit losses recognized in earnings for the three-month periods ending March 31, 2014 and 2013 (dollars in thousands):

		2014			2013
	Beginning balance, January 1,	$	1,939		$	3,506
	Amounts related to credit loss for which an other-than-temporary		-			-
	impairment was not previously recognized		-			-
	Additions/Subtractions:
	Amounts realized for securities sold during the period		-			-
	Amounts related to securities for which the company intends to sell		-			-
	or that it will be more likely than not that the company will be required to
	sell prior to recovery of amortized cost basis
	Reductions for increase in cash flows expected to be collected that are		-			-
	recognized over the remaining life of the security		-			-
	Reductions for previous credit losses realized in securities liquidated during the period		(1,939	)		-
	Increases to the amount related to the credit loss for which other-than-temporary		-			-
	impairment was previously recognized		-			-
	Ending balance, March 31,	$	-		$	3,506

LOANS_AND_ALLOWANCE_FOR_LOAN_L1

LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)	3 Months Ended
LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)	Mar. 31, 2014
LOANS AND ALLOWANCE FOR LOAN LOSSES [Abstract]	'
Composition of the loan portfolio by type	'
	The composition of the loan portfolio, net of deferred origination fees and cost, and unearned income is summarized as follows (dollars in thousands):

			31-Mar-14				31-Dec-13
	Commercial and agricultural:
	Commercial and industrial		$	144,681			$	144,787
	Agricultural			534				576
	Commercial mortgages:
	Construction			29,692				27,440
	Commercial mortgages			367,175				345,707
	Residential mortgages			196,396				195,997
	Consumer loans:
	Credit cards			1,583				1,756
	Home equity lines and loans			95,827				95,905
	Indirect consumer loans			170,853				164,846
	Direct consumer loans			17,824				18,852
	Total loans, net of deferred origination		$	1,024,565			$	995,866
	fees and costs, and unearned income		$	1,024,565			$	995,866
	Interest receivable on loans			2,367				2,597
	Total recorded investment in loans		$	1,026,932			$	998,463
Allowance for loan losses by portfolio segment	'
	The following tables present the activity in the allowance for loan losses by portfolio segment for the three-month periods ending March 31, 2014 and 2013 (dollars in thousands):

			Three Months Ended
			31-Mar-14
	Allowance for loan losses		Commercial and Agricultural				Commercial Mortgages				Residential Mortgages				Consumer Loans				Unallocated				Total
	Beginning balance:		$	1,979			$	6,243			$	1,517			$	3,037			$	-			$	12,776
	Charge Offs:			(55	)			(44	)			(7	)			(467	)			-				(573	)
	Recoveries:			92				38				-				183				-				313
	Net recoveries (charge offs)			37				(6	)			(7	)			(284	)			-				(260	)
	Provision			(71	)			247				42				421				-				639
	Ending balance		$	1,945			$	6,484			$	1,552			$	3,174			$	-			$	13,155

			Three Months Ended
			31-Mar-13
	Allowance for loan losses		Commercial and Agricultural				Commercial Mortgages				Residential Mortgages				Consumer Loans				Unallocated						Total
	Beginning balance:		$	1,707			$	4,428		$		1,566			$	2,706			$	26			$		10,433
	Charge Offs:			(17	)			-				(44	)			(197	)			-					(258	)
	Recoveries:			142				9				-				68				-					219
	Net recoveries (charge-offs)			125				9				(44	)			(129	)			-					(39	)
	Provision			161				236				35				25				-26					431
	Ending balance		$	1,993			$	4,673			$	1,557			$	2,602			$	-			$		10,825

Allowance for loan losses and the recorded investment in loans based on impairment method	'
	The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of March 31, 2014 and December 31, 2013 (dollars in thousands):

			31-Mar-14
	Allowance for loan losses		Commercial and Agricultural				Commercial Mortgages				Residential Mortgages				Consumer Loans				Unallocated				Total
	Ending allowance balance
	attributable to loans:
	Individually evaluated for		$	549			$	192			$	-			$	3			$	-			$	744
	impairment		$	549			$	192			$	-			$	3			$	-			$	744
	Collectively evaluated for			1,396				4,802				1,540				3,171				-				10,909
	impairment			1,396				4,802				1,540				3,171				-				10,909
	Loans acquired with			-				1,490				12				-				-				1,502
	deteriorated credit quality			-				1,490				12				-				-				1,502
	Total ending allowance balance		$	1,945			$	6,484			$	1,552			$	3,174			$	-			$	13,155

			31-Dec-13
	Allowance for loan losses		Commercial and Agricultural				Commercial Mortgages				Residential Mortgages				Consumer Loans				Unallocated				Total
	Ending allowance balance
	attributable to loans:
	Individually evaluated for		$	576			$	466			$	-			$	4			$	-			$	1,046
	impairment		$	576			$	466			$	-			$	4			$	-			$	1,046
	Collectively evaluated for			1,403				4,407				1,497				3,033				-				10,340
	impairment			1,403				4,407				1,497				3,033				-				10,340
	Loans acquired with			-				1,370				20				-				-				1,390
	deteriorated credit quality			-				1,370				20				-				-				1,390
	Total ending allowance balance		$	1,979			$	6,243			$	1,517			$	3,037			$	-			$	12,776

			31-Mar-14
	Loans:		Commercial				Commercial Mortgages				Residential Mortgages				Consumer Loans				Total
			and
			Agricultural
	Loans individually		$	2,208			$	9,544			$	114			$	129			$	11,995	1,
	evaluated for impairment		$	2,208			$	9,544			$	114			$	129			$	11,995	1,
	Loans collectively			142,675				379,366				196,518				286,616				1,005,175
	evaluated for impairment			142,675				379,366				196,518				286,616				1,005,175
	Loans acquired with deteriorated			655				8,841				266				-				9,762
	credit quality			655				8,841				266				-				9,762
	Total ending loans balance		$	145,538			$	397,751			$	196,898			$	286,745			$	1,026,932

			31-Dec-13
	Loans:		Commercial				Commercial Mortgages				Residential Mortgages				Consumer Loans				Total
			and
			Agricultural
	Loans individually		$	2,946			$	10,703			$	117			$	131			$	13,897
	evaluated for impairment		$	2,946			$	10,703			$	117			$	131			$	13,897
	Loans collectively			142,108				354,636				196,147				281,979				974,870
	evaluated for impairment			142,108				354,636				196,147				281,979				974,870
	Loans acquired with deteriorated			678				8,757				261				-				9,696
	credit quality			678				8,757				261				-				9,696
	Total ending loans balance		$	145,732			$	374,096			$	196,525			$	282,110			$	998,463
Summary of impaired financing receivables	'
	The following tables present loans individually evaluated for impairment recognized by class of loans as of March 31, 2014 and December 31, 2013, the average recorded investment and interest income recognized by class of loans as of the three-month periods ended March 31, 2014 and 2013 (dollars in thousands):

			31-Mar-14												31-Dec-13
	With no related allowance recorded:		Unpaid Principal Balance				Recorded Investment				Allowance for Loan Losses Allocated				Unpaid Principal Balance				Recorded Investment				Allowance for Loan Losses Allocated
	Commercial and agricultural:
	Commercial and industrial		$	1,398			$	1,403			$	-			$	1,906		$	1,909			$	-
	Commercial mortgages:
	Construction			2,286				2,273				-				2,329			2,319				-
	Commercial mortgages other			6,479				6,490				-				7,406			7,439				-
	Residential mortgages			114				114				-				117			117				-
	Consumer loans:
	Home equity lines and loans			69				71				-				71			73				-
	With an allowance recorded:
	Commercial and agricultural:
	Commercial and industrial			804				805				549				1,037			1,037				576
	Commercial mortgages:
	Commercial mortgages other			783				781				192				951			945				466
	Consumer loans:
	Home equity lines and loans			57				58				3				58			58				4
	Total		$	11,990			$	11,995			$	744			$	13,875		$	13,897			$	1,046

				Three Months Ended						Three Months Ended
				31-Mar-14						31-Mar-13
	With no related allowance recorded:			Average Recorded Investment			Interest Income Recognized (1)				Average Recorded Investment				Interest Income Recognized (1)
	Commercial and agricultural:
	Commercial and industrial		$	1,656		$	14			$	1,458			$	17
	Commercial mortgages:
	Construction			2,296			25				474				-
	Commercial mortgages other			7,005			63				5,583				53
	Residential mortgages			115			-				130				-
	Consumer loans:
	Home equity lines & loans			72			1				23				-
	With an allowance recorded:
	Commercial and agricultural:
	Commercial and industrial			921			-				387				-
	Commercial mortgages:
	Commercial mortgages other			863			-				361				-
	Consumer loans:
	Home equity lines and loans			58			1				29				-
	Direct consumer loans			-			-				8				-
	Total		$	12,986		$	104			$	8,453			$	70
	(1)	Cash basis interest income approximates interest income recognized.
Recorded investment in past due and non-accrual status by class of loans	'
	The following tables present the recorded investment in past due and non-accrual status by class of loans as of March 31, 2014 and December 31, 2013 (dollars in thousands):

	31-Mar-14		Current					30-89 Days Past Due				90 Days or more Past Due and accruing					Loans acquired with deteriorated credit quality			Non-Accrual (1)					Total
	Commercial and agricultural:
	Commercial and industrial		$	142,750				$	520			$	-			$	655			$	1,078			$	145,003
	Agricultural			535					-				-				-				-				535
	Commercial mortgages:
	Construction			27,037					-				1,451				774				496				29,758
	Commercial mortgages others			356,618					1,002				-				8,067				2,306				367,993
	Residential mortgages			189,719					3,073				-				266				3,840				196,898
	Consumer loans:
	Credit cards			1,568					8				7				-				-				1,583
	Home equity lines and loans			95,235					280				-				-				543				96,058
	Indirect consumer loans			169,838					1,091				-				-				293				171,222
	Direct consumer loans			17,822					49				-				-				11				17,882
	Total		$	1,001,122				$	6,023			$	1,458			$	9,762			$	8,567			$	1,026,932
	(1) Includes all loans on non-accrual status regardless of the number of days such loans were delinquent as of March 31, 2014.


	31-Dec-13		Current					30-89 Days Past Due				90 Days or more Past Due and accruing					Loans acquired with deteriorated credit quality			Non-Accrual (1)					Total
	Commercial and agricultural:
	Commercial and industrial		$	143,100				$	29			$	-			$	678			$	1,348			$	145,155
	Agricultural			577					-				-				-				-				577
	Commercial mortgages:
	Construction			24,742					-				1,454				774				540				27,510
	Commercial mortgages other			335,123					1,138				-				7,983				2,342				346,586
	Residential mortgages			187,448					5,458				-	`			261				3,358				196,525
	Consumer loans:
	Credit cards			1,729					9				19				-				-				1,757
	Home equity lines and loans			95,349					150				-				-				635				96,134
	Indirect consumer loans			163,810					1,235				-				-				249				165,294
	Direct consumer loans			18,830					50				-				-				45				18,925
	Total		$	970,708				$	8,069			$	1,473			$	9,696			$	8,517			$	998,463
	(1) Includes all loans on non-accrual status regardless of the number of days such loans were delinquent as of December 31, 2013.

Loans by class modified as troubled debt restructurings	'
	The following table presents loans by class modified as troubled debt restructurings that occurred during the three months ended March 31, 2014 and March 31, 2013 (dollars in thousands):

	31-Mar-14		Number of Loans				Pre-Modification Outstanding Recorded Investment				Post-Modification Outstanding Recorded Investment
	Troubled debt restructurings:
	Commercial and agricultural:
	Commercial and industrial			1			$	503			$	503
	Commercial mortgages:
	Commercial mortgages			2				367				323
	Total			3			$	870			$	826


	31-Mar-13
	Troubled debt restructurings:
	Commercial and agricultural:
	Commercial and industrial			2			$	431			$	431
	Consumer loans:
	Home equity lines and loans			2			$	104				104
	Total			4			$	535			$	535
Risk category of the recorded investment of loans by class of loans	'
	Based on the analyses performed as of March 31, 2014 and December 31, 2013, the risk category of the recorded investment of loans by class of loans is as follows (dollars in thousands):


		31-Mar-14
			Not Rated						Pass				Loans acquired with deteriorated credit quality				Special Mention				Substandard				Doubtful
	Commercial and agricultural:
	Commercial and industrial		$	-					$	134,207			$	655			$	6,068			$	3,268			$	805
	Agricultural			-						535				-				-				-				-
	Commercial mortgages:
	Construction			-						25,101				774				3,061				822				-
	Commercial mortgages other			-						333,719				8,067				16,394				9,753				60
	Residential mortgages			192,792						-				266				-				3,840				-
	Consumer loans:
	Credit cards			1,583						-				-				-				-				-
	Home equity lines and loans			95,439						-				-				-				619				-
	Indirect consumer loans			170,920						-				-				-				302				-
	Direct consumer loans			17,871						-				-				-				11				-
	Total		$	478,605					$	493,562			$	9,762			$	25,523			$	18,615			$	865

		31-Dec-13
			Not Rated						Pass				Loans acquired with deteriorated credit quality				Special Mention				Substandard				Doubtful
	Commercial and agricultural:
	Commercial and industrial		$	-					$	133,615			$	678			$	5,117			$	4,724			$	1,021
	Agricultural			-						577				-				-				-				-
	Commercial mortgages:
	Construction			-						23,087				774				2,783				866				-
	Commercial mortgages other			-						313,956				7,983				13,611				11,036				-
	Residential mortgages			192,995						-				261				-				3,269				-
	Consumer loans
	Credit cards			1,757						-				-				-				-				-
	Home equity lines and loans			95,422						-				-				-				712				-
	Indirect consumer loans			165,045						-				-				-				249				-
	Direct consumer loans			18,880						-				-				-				45				-
	Total		$	474,099					$	471,235			$	9,696			$	21,511			$	20,901			$	1,021
Recorded investment in residential and consumer loans based on payment activity	'
	The following table presents the recorded investment in residential and consumer loans based on payment activity as of March 31, 2014 and December 31, 2013 (dollars in thousands):

			31-Mar-14
							Consumer Loans
			Residential Mortgages				Credit Card				Home Equity Lines and Loans				Indirect Consumer Loans				Other Direct Consumer Loans
	Performing		$	193,058			$	1,576			$	95,515			$	170,929			$	17,871
	Non-Performing			3,840				7				543				293				11
	Total		$	196,898			$	1,583			$	96,058			$	171,222			$	17,882


			31-Dec-13
							Consumer Loans
			Residential Mortgages				Credit Card				Home Equity Lines and Loans				Indirect Consumer Loans				Other Direct Consumer Loans
	Performing		$	193,167			$	1,738			$	95,499			$	165,045			$	18,880
	Non-Performing			3,358				19				635				249				45
			$	196,525			$	1,757			$	96,134			$	165,294			$	18,925

Summary of changes in contractually required principal and interest on loans acquired	'
	The table below summarizes the changes in total contractually required principal and interest cash payments, management’s estimate of expected total cash payments and carrying value of the PCI loans from January 1, 2014 to March 31, 2014 (dollars in thousands):

			Balance at				Income Accretion				All Other Adjustments				Balance at
			31-Dec-13												March 31,
															2014
	Contractually required principal and interest		$	11,230			$	-			$	(157	)		$	11,073
	Contractual cash flows not expected to be collected			(543	)			-				108				(435	)
	(nonaccretable discount)			(543	)			-				108				(435	)
	Cash flows expected to be collected			10,687				-				(49	)			10,638
	Interest component of expected cash flows (accretable yield)			(991	)			199				(84	)			(876	)
	Fair value of loans acquired with deteriorating credit quality		$	9,696			$	199			$	(133	)		$	9,762

FAIR_VALUE_Tables

FAIR VALUE (Tables)	3 Months Ended
FAIR VALUE (Tables)	Mar. 31, 2014
FAIR VALUE [Abstract]	'
Summary of assets and liabilities measured at fair value on a recurring basis	'
	Assets and liabilities measured at fair value on a recurring basis are summarized below (dollars in thousands):

				Fair Value Measurement at March 31, 2014 Using
	Financial Assets:	Fair Value		Quoted Prices			Significant				Significant Unobservable Inputs
				in Active Markets for Identical Assets			Other Observable Inputs				(Level 3)
				(Level 1)			(Level 2)
	Obligations of U.S. Government and U.S.	$	182,970	$	31,258		$	151,712			$	-
	Government sponsored enterprises	$	182,970	$	31,258		$	151,712			$	-
	Mortgage-backed securities, residential		101,137		-			101,137				-
	Collateralized mortgage obligations		789		-			789				-
	Obligations of states and political subdivisions		38,345		-			38,345				-
	Corporate bonds and notes		2,926		-			2,926				-
	SBA loan pools		1,438		-			1,438				-
	Trust Preferred securities		2,037		-			2,037				-
	Corporate stocks		7,492		7,075			417				-
	Total available for sale securities	$	337,134	$	38,333		$	298,801			$	-

	Trading assets	$	413	$	413		$	-			$	-


				Fair Value Measurement at December 31, 2013 Using
	Financial Assets:	Fair Value		Quoted Prices in Active Markets for Identical Assets (Level 1)			Significant Other Observable Inputs				Significant Unobservable Inputs
	Financial Assets:	Fair Value					(Level 2)				(Level 3)
	Obligations of U.S. Government and U.S.	$	188,106	$	31,262		$	156,844			$	-
	Government sponsored enterprises	$	188,106	$	31,262		$	156,844			$	-
	Mortgage-backed securities, residential		104,356		-			104,356				-
	Collateralized mortgage obligations		1,015		-			1,015				-
	Obligations of states and political subdivisions		38,376		-			38,376				-
	Corporate bonds and notes		2,946		-			2,946				-
	SBA loan pools		1,488		-			1,488				-
	Trust Preferred securities		2,034		-			2,034				-
	Corporate stocks		7,695		7,279			416				-
	Total available for sale securities	$	346,016	$	38,541		$	307,475			$	-

	Trading assets	$	366	$	366		$	-			$	-
Summary of assets and liabilities measured at fair value on a non-recurring basis	'
	Assets and liabilities measured at fair value on a non-recurring basis are summarized below (dollars in thousands):

				Fair Value Measurement at March 31, 2014 Using
	Financial Assets:	Fair Value		Quoted Prices in Active Markets for Identical Assets			Significant Other Observable Inputs				Significant Unobservable Inputs
	Financial Assets:	Fair Value		(Level 1)			(Level 2)				(Level 3)
	Impaired Loans:
	Commercial and agricultural:
	Commercial and industrial	$	255	$	-		$	-			$	255
	Commercial mortgages:
	Other		591		-			-				591
	Consumer loans:
	Home equity lines and loans		54		-			-				54
	Total Impaired Loans	$	900	$	-		$	-			$	900

	Other real estate owned:
	Commercial mortgages:
	Commercial mortgages other	$	176	$	-		$	-			$	176
	Consumer loans:
	Home equity lines and loans		65		-			-				65
	Total Other Real Estate Owned, net	$	241	$	-		$	-			$	241


				Fair Value Measurement at December 31, 2013 Using
	Financial Assets:	Fair Value		Quoted Prices in Active Markets for Identical Assets			Significant Other Observable Inputs				Significant Unobservable Inputs
	Financial Assets:	Fair Value		(Level 1)			(Level 2)				(Level 3)
	Impaired Loans:
	Commercial and agricultural:
	Commercial and industrial	$	460	$	-		$	-			$	460
	Commercial mortgages:
	Commercial mortgages other		485		-			-				485
	Consumer loans:
	Home equity lines and loans		54		-			-				54
	Total Impaired Loans	$	999	$	-		$	-			$	999

	Other real estate owned:
	Commercial and agricultural:
	Commercial and industrial	$	101	$	-		$	-			$	101
	Commercial mortgages:
	Commercial mortgages other		266		-			-				266
	Residential mortgages		106		-			-				106
	Consumer loans:
	Home equity lines and loans		65		-			-				65
	Total Other Real Estate Owned, net	$	538	$	-		$	-			$	538
Nonrecurring fair value measurement, valuation techniques	'
	The following table presents information related to Level 3 non-recurring fair value measurement at March 31, 2014 and December 31, 2013 (dollars in thousands):

	Description	Fair Value		Technique		Unobservable Inputs
	Description	at March 31, 2014		Technique		Unobservable Inputs
	Impaired loans	$	900	Third party appraisals		1	Management discount based on underlying collateral characteristics and market conditions

	Other real estate owned	$	241	Third party appraisals		1	Estimated holding period
						2	Estimated closing costs


	Description	Fair Value at December 31, 2013		Technique		Unobservable Inputs
	Impaired loans	$	999	Third party appraisals		1	Management discount based on underlying collateral characteristics and market conditions

	Other real estate owned	$	538	Third party appraisals		1	Estimated holding period
						2	Estimated closing costs

Carrying value and estimated fair value of financial instruments	'
	The carrying amounts and estimated fair values of other financial instruments, at March 31, 2014 and December 31, 2013, are as follows (dollars in thousands):

		Fair Value Measurements at March 31, 2014 Using
	Financial assets:	Carrying Amount		Quoted Prices		Significant Other Observable Inputs				Significant Unobservable Inputs (Level 3)		Estimated Fair Value (1)
	Financial assets:	Carrying Amount		in Active Markets for Identical Assets (Level 1)		(Level 2)				Significant Unobservable Inputs (Level 3)		Estimated Fair Value (1)
	Cash and due from financial institutions	$	34,478	$	34,478	$	-		$	-	$	34,478
	Interest-bearing deposits in other financial institutions		22,670		22,670		-			-		22,670
	Trading assets		413		413		-			-		413
	Securities available for sale		337,134		38,333		298,801			-		337,134
	Securities held to maturity		6,126		-		6,532			-		6,532
	FHLBNY and FRBNY stock		4,482		-		-			-		N/A
	Loans, net		1,011,410		-		-			1,037,728		1,037,728
	Loans held for sale		75		-		75			-		75
	Accrued interest receivable		4,436		361		1,747			2,328		4,436
	Financial liabilities:
	Deposits:
	Demand, savings, and insured	$	1,056,021	$	1,056,021	$	-		$	-	$	1,056,021
	money market accounts	$	1,056,021	$	1,056,021	$	-		$	-	$	1,056,021
	Time deposits		235,869		-		236,679			-		236,679
	Securities sold under agreements to repurchase		30,646		-		31,773			-		31,773
	FHLBNY term advances		25,189		-		26,142			-		26,142
	Accrued interest payable		290		13		131			146		290

	(1) Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates.


		Fair Value Measurements at December 31, 2013 Using
	Financial assets:	Carrying Amount		Quoted Prices		Significant Other Observable Inputs				Significant Unobservable Inputs (Level 3)		Estimated Fair Value (1)
	Financial assets:	Carrying Amount		in Active Markets for Identical Assets (Level 1)		(Level 2)				Significant Unobservable Inputs (Level 3)		Estimated Fair Value (1)
	Cash and due from financial institutions	$	31,600	$	31,600	$	-		$	-	$	31,600
	Interest-bearing deposits in other financial institutions		20,009		20,009		-			-		20,009
	Trading assets		366		366		-			-		366
	Securities available for sale		346,016		38,541		307,475			-		346,016
	Securities held to maturity		6,495		-		6,930			-		6,930
	FHLBNY and FRBNY stock		4,482		-		-			-		N/A
	Loans, net		983,090		-		-			1,008,826		1,008,826
	Loans held for sale		695		-		695			-		695
	Accrued interest receivable		4,166		145		1,468			2,553		4,166
	Financial liabilities:
	Deposits:
	Demand, savings, and insured	$	1,021,764	$	1,021,764	$	-		$	-	$	1,021,764
	money market accounts	$	1,021,764	$	1,021,764	$	-		$	-	$	1,021,764
	Time deposits		244,492		-		245,482			-		245,482
	Securities sold under agreements to repurchase		32,701		-		33,636			-		33,636
	FHLBNY term advances		25,243		-		26,064			-		26,064
	Accrued interest payable		336		15		170			151		336

	(1) Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates.

GOODWILL_AND_INTANGIBLE_ASSETS1

GOODWILL AND INTANGIBLE ASSETS (Tables)	3 Months Ended
GOODWILL AND INTANGIBLE ASSETS (Tables)	Mar. 31, 2014
GOODWILL AND INTANGIBLE ASSETS [Abstract]	'
Schedule of changes in goodwill	'
	The changes in goodwill included in the core banking segment during the periods ending March 31, 2014 and 2013 were as follows (dollars in thousands):

		2014		2013
	Beginning of year	$	21,824	$	21,824
	Acquired goodwill		-		-
	Ending balance March 31,	$	21,824	$	21,824

Schedule of acquired finite-lived intangible assets by major class	'
	Acquired intangible assets were as follows at March 31, 2014 and December 31, 2013 (dollars in thousands):

		At March 31, 2014				At December 31, 2013
		Balance Acquired		Accumulated Amortization		Balance Acquired		Accumulated Amortization
	Core deposit intangibles	$	5,975	$	2,589	$	5,975	$	2,338
	Other customer relationship intangibles		5,633		2,986		6,063		3,323
	Total	$	11,608	$	5,575	$	12,038	$	5,661
Schedule of expected amortization expense	'
	The remaining estimated aggregate amortization expense at March 31, 2014 is listed below (dollars in thousands):

	Year	Estimated Expense
	2014	$	967
	2015		1,136
	2016		986
	2017		859
	2018		734
	2019 and thereafter		1,351
	Total	$	6,033

ACCUMULATED_OTHER_COMPREHENSIV1

ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS (Tables)	3 Months Ended
ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS (Tables)	Mar. 31, 2014
ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS [Abstract]	'
Components of accumulated other comprehensive income (Loss)	'
	The following is a summary of the changes in accumulated other comprehensive income or loss by component, net of tax, for the periods indicated (dollars in thousands):

			Unrealized Gains and Losses on Securities Available for Sale			Defined Benefit and Other Benefit Plans				Total
	Balance at December 31, 2013		$	6,043		$	(5,888	)		$	155
	Other comprehensive income before			544			-				544
	Reclassification			544			-				544
	Amounts reclassified from accumulated other			-			88				88
	comprehensive income			-			88				88
	Net current period other comprehensive loss			544			88				632
	Balance at March 31, 2014		$	6,587		$	(5,800	)		$	787

			Unrealized Gains and Losses on Securities Available for Sale			Defined Benefit and Other Benefit Plans				Total
	Balance at December 31, 2012		$	8,023		$	(10,830	)		$	(2,807	)
	Other comprehensive income before			(43	)		-				(43	)
	Reclassification			(43	)		-				(43	)
	Amounts reclassified from accumulated other			-			227				227
	comprehensive income			-			227				227
	Net current period other comprehensive loss			(43	)		227				184
	Balance at March 31, 2013		$	7,980		$	(10,603	)		$	(2,623	)

Reclassification out of accumulated other comprehensive income	'
	The following is the reclassification out of accumulated other comprehensive income for the periods indicated (dollars in thousands):

	Details about Accumulated Other Comprehensive Income Components	Three Months Ended March 31,							Affected Line Item
									in the Statement Where
									Net Income is Presented
				2014			2013
	Unrealized gains and losses on securities
	available for sale:
	Reclassification adjustment for other-than-		$	-		$	-
	temporary gains (losses) realized in income		$	-		$	-
	Realized gains on securities available for sale			-			-		Net gains on securities transactions
	Tax effect			-			-		Income tax expense
	Net of tax			-			-
	Amortization of defined pension plan
	and other benefit plan items:
	Prior service costs (a)			22			21		Pension and other employee benefits
	Actuarial losses (a)			(165	)		(390	)	Pension and other employee benefits
	Tax effect			55			142		Income tax expense
	Net of tax			(88	)		(227	)
	Total reclassification for the period, net of tax		$	(88	)	$	(227	)
	(a) These accumulated other comprehensive income components are included in the computation of net periodic pension and other benefit plan costs (see Note 9 for additional information).

COMPONENTS_OF_QUARTERLY_AND_YE1

COMPONENTS OF QUARTERLY AND YEAR TO DATE NET PERIODIC BENEFIT COSTS (Tables)	3 Months Ended
	Mar. 31, 2014
COMPONENTS OF QUARTERLY AND YEAR TO DATE NET PERIODIC BENEFIT COSTS [Abstract]	'
Components of net periodic benefit costs	'
	The components of net periodic expense for the Corporation’s pension and other benefit plans for the periods indicated are as follows (dollars in thousands):

		Three Months Ended
	(dollars in thousands)	31-Mar-14			31-Mar-13
	Qualified Pension
	Service cost, benefits earned during the period	$	271		$	349
	Interest cost on projected benefit obligation		435			409
	Expected return on plan assets		(793	)		(727	)
	Amortization of unrecognized transition obligation		-			-
	Amortization of unrecognized prior service cost		2			3
	Amortization of unrecognized net loss		160			380
	Net periodic pension expense	$	75		$	414

	Supplemental Pension
	Service cost, benefits earned during the period	$	10		$	10
	Interest cost on projected benefit obligation		13			11
	Expected return on plan assets		-			-
	Amortization of unrecognized prior service cost		-			-
	Amortization of unrecognized net loss		5			8
	Net periodic supplemental pension expense	$	28		$	29

	Postretirement, Medical and Life
	Service cost, benefits earned during the period	$	11		$	11
	Interest cost on projected benefit obligation		18			15
	Expected return on plan assets		-			-
	Amortization of unrecognized prior service cost		(24	)		(24	)
	Amortization of unrecognized net loss		-			1
	Net periodic postretirement, medical and life expense	$	5		$	3

SEGMENT_REPORTING_Tables

SEGMENT REPORTING (Tables)	3 Months Ended
SEGMENT REPORTING (Tables)	Mar. 31, 2014
SEGMENT REPORTING [Abstract]	'
Summarized financial information showing reconciliation of segment net income loss and assets to consolidated results	'
	Summarized financial information concerning the Corporation’s reportable segments and the reconciliation to the Corporation’s consolidated results are shown in the following table. Income taxes are allocated based on the separate taxable income of each entity and indirect overhead expenses are allocated based on reasonable and equitable allocations applicable to the reportable segment. Holding company amounts are the primary differences between segment amounts and consolidated totals, and are reflected in the Holding Company and Other column below, along with amounts to eliminate transactions between segments (dollars in thousands).

			Three Months Ended March 31, 2014
			Core Banking		Wealth Management Group Services		Holding Company And Other			Consolidated Totals
	Net interest income	$	12,030	$	-	$	3		$	12,033
	Provision for loan losses		639		-		-			639
	Net interest income after provision		11,391		-		3			11,394
	for loan losses		11,391		-		3			11,394
	Other operating income		2,888		1,883		193			4,964
	Other operating expenses		11,812		1,318		213			13,343
	Income before income tax expense		2,467		565		(17	)		3,015
	Income tax expense (benefit)		758		217		(24	)		951
	Segment net income	$	1,709	$	348	$	7		$	2,064

	Segment assets	$	1,490,857	$	4,878	$	1,796		$	1,497,531

			Three Months Ended March 31, 2013
			Core Banking		Wealth Management Group Services		Holding Company And Other			Consolidated Totals
	Net interest income	$	11,715	$	-	$	2		$	11,717
	Provision for loan losses		431		-		-			431
	Net interest income after provision		11,284		-		2			11,286
	for loan losses		11,284		-		2			11,286
	Other operating income		1,995		1,750		277			4,022
	Other operating expenses		9,931		1,534		260			11,725
	Income before income tax expense		3,348		216		19			3,583
	Income tax expense		1,081		83		7			1,171
	Segment net income	$	2,267	$	133	$	12		$	2,412

	Segment assets	$	1,272,340	$	5,118	$	2,514		$	1,279,972

STOCK_COMPENSATION_Tables

STOCK COMPENSATION (Tables)	3 Months Ended
STOCK COMPENSATION (Tables)	Mar. 31, 2014
STOCK COMPENSATION [Abstract]	'
Summary of restricted stock activity	'
	A summary of restricted stock activity from December 31, 2013 to March 31, 2014 is presented below:

		Shares			Weighted–Average Grant Date Fair Value
	Nonvested at December 31, 2013		20,639		$	27.17
	Granted		990			30.33
	Vested		(215	)		23.18
	Forfeited or Cancelled		-			-
	Nonvested at March 31, 2014		21,414		$	27.36

EARNING_PER_COMMON_SHARE_Detai

EARNING PER COMMON SHARE (Details)	3 Months Ended
EARNING PER COMMON SHARE (Details)	Mar. 31, 2014	Mar. 31, 2013
EARNING PER COMMON SHARE [Abstract]	'	'
Weighted average number of shares outstanding (in shares)	4,677,178	4,655,862
Dilutive common stock equivalents (in shares)	0	0

SECURITIES_PART_1_Details

SECURITIES, PART 1 (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
Available for sale securities amortized cost and fair value basis [Abstract]	'	'
Amortized Cost	$326,433	$336,199
Unrealized Gains	11,341	11,506
Unrealized Losses	640	1,689
Estimated Fair Value	337,134	346,016
Held to maturity securities, amortized cost and fair value basis [Abstract]	'	'
Amortized Cost	6,126	6,495
Unrealized Gains	406	435
Unrealized Losses	0	0
Estimated Fair Value	6,532	6,930
Obligations of states and political subdivisions [Member]	'	'
Held to maturity securities, amortized cost and fair value basis [Abstract]	'	'
Amortized Cost	5,304	5,472
Unrealized Gains	392	419
Unrealized Losses	0	0
Estimated Fair Value	5,696	5,891
Time deposits with other financial institutions [Member]	'	'
Held to maturity securities, amortized cost and fair value basis [Abstract]	'	'
Amortized Cost	822	1,023
Unrealized Gains	14	16
Unrealized Losses	0	0
Estimated Fair Value	836	1,039
Obligations of U.S. Government and U.S. Government sponsored enterprises [Member]	'	'
Available for sale securities amortized cost and fair value basis [Abstract]	'	'
Amortized Cost	181,676	187,098
Unrealized Gains	1,767	1,915
Unrealized Losses	473	907
Estimated Fair Value	182,970	188,106
Mortgage-backed securities, residential [Member]	'	'
Available for sale securities amortized cost and fair value basis [Abstract]	'	'
Amortized Cost	99,974	104,069
Unrealized Gains	1,284	1,036
Unrealized Losses	121	749
Estimated Fair Value	101,137	104,356
Collateralized mortgage obligations [Member]	'	'
Available for sale securities amortized cost and fair value basis [Abstract]	'	'
Amortized Cost	777	1,001
Unrealized Gains	12	14
Unrealized Losses	0	0
Estimated Fair Value	789	1,015
Obligations of states and political subdivisions [Member]	'	'
Available for sale securities amortized cost and fair value basis [Abstract]	'	'
Amortized Cost	37,368	37,339
Unrealized Gains	1,012	1,059
Unrealized Losses	35	22
Estimated Fair Value	38,345	38,376
Corporate bonds and notes [Member]	'	'
Available for sale securities amortized cost and fair value basis [Abstract]	'	'
Amortized Cost	2,869	2,879
Unrealized Gains	63	76
Unrealized Losses	6	9
Estimated Fair Value	2,926	2,946
SBA Loans [Member]	'	'
Available for sale securities amortized cost and fair value basis [Abstract]	'	'
Amortized Cost	1,426	1,471
Unrealized Gains	15	17
Unrealized Losses	3	0
Estimated Fair Value	1,438	1,488
Trust Preferred securities [Member]	'	'
Available for sale securities amortized cost and fair value basis [Abstract]	'	'
Amortized Cost	1,900	1,898
Unrealized Gains	137	136
Unrealized Losses	0	0
Estimated Fair Value	2,037	2,034
Corporate stocks [Member]	'	'
Available for sale securities amortized cost and fair value basis [Abstract]	'	'
Amortized Cost	443	444
Unrealized Gains	7,051	7,253
Unrealized Losses	2	2
Estimated Fair Value	$7,492	$7,695

SECURITIES_PART_2_Details

SECURITIES, PART 2 (Details) (USD $)	3 Months Ended
SECURITIES, PART 2 (Details) (USD $)	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
Available for Sale, Amortized Cost [Abstract]	'	'	'
Within One Year	$23,856,000	'	'
After One, But Within Five Years	182,121,000	'	'
After Five, But Within Ten Years	17,836,000	'	'
After Ten Years	0	'	'
Amortized Cost, Specified Maturity Period	223,813,000	'	'
Amortized Cost, Total	325,990,000	'	'
Available for Sale, Fair Value [Abstract]	'	'	'
Within One Year	24,217,000	'	'
After One, But Within Five Years	184,229,000	'	'
After Five, But Within Ten Years	17,832,000	'	'
After Ten Years	0	'	'
Fair Value, Specified Maturity Period	226,278,000	'	'
Fair Value, Total	329,642,000	'	'
Held to Maturity, Amortized Cost [Abstract]	'	'	'
Within One Year	2,537,000	'	'
After One, But Within Five Years	2,297,000	'	'
After Five, But Within Ten Years	1,292,000	'	'
After Ten Years	0	'	'
Amortized Cost, Specified Maturity Period	6,126,000	'	'
Amortized Cost Total	6,126,000	'	'
Held to Maturity, Fair Value [Abstract]	'	'	'
Within One Year	2,567,000	'	'
After One, But Within Five Years	2,477,000	'	'
After Five, But Within Ten Years	1,488,000	'	'
After Ten Years	0	'	'
Fair Value, Specified Maturity Period	6,532,000	'	'
Fair Value, Total	6,532,000	'	'
Continuous unrealized loss securities, 12 months or less [Abstract]	'	'	'
Less than 12 months - Fair Value	129,327,000	'	151,782,000
Less than 12 months - Unrealized Losses	609,000	'	1,648,000
Continuous unrealized loss securities, 12 months or more [Abstract]	'	'	'
12 months or longer - Fair Value	1,986,000	'	1,980,000
12 months or longer - Unrealized Losses	31,000	'	41,000
Securities with continuous unrealized losses, Total [Abstract]	'	'	'
Fair Value	131,313,000	'	153,762,000
Unrealized Losses	640,000	'	1,689,000
Other than temporary impairment credit losses recognized in earnings [Roll Forward]	'	'	'
Beginning balance	1,939,000	3,506,000	'
Amounts related to credit loss for which an other-than-temporary impairment was not previously recognized	0	0	'
Additions/Subtractions [Abstract]	'	'	'
Amounts realized for securities sold during the period	0	0	'
Amounts related to securities for which the company intends to sell or that it will be more likely than not that the company will be required to sell prior to recovery of amortized cost basis	0	0	'
Reductions for increase in cash flows expected to be collected that are recognized over the remaining life of the security	0	0	'
Reductions for previous credit losses realized in securities liquidated during the period	-1,939,000	0	'
Increases to the amount related to the credit loss for which other-than-temporary impairment was previously recognized	0	0	'
Ending balance	0	3,506,000	'
Obligations of U.S. Government and U.S. Government sponsored enterprises [Member]	'	'	'
Continuous unrealized loss securities, 12 months or less [Abstract]	'	'	'
Less than 12 months - Fair Value	89,296,000	'	83,840,000
Less than 12 months - Unrealized Losses	444,000	'	867,000
Continuous unrealized loss securities, 12 months or more [Abstract]	'	'	'
12 months or longer - Fair Value	1,984,000	'	1,978,000
12 months or longer - Unrealized Losses	29,000	'	39,000
Securities with continuous unrealized losses, Total [Abstract]	'	'	'
Fair Value	91,280,000	'	85,818,000
Unrealized Losses	473,000	'	906,000
Mortgage-backed securities, residential [Member]	'	'	'
Continuous unrealized loss securities, 12 months or less [Abstract]	'	'	'
Less than 12 months - Fair Value	33,382,000	'	63,115,000
Less than 12 months - Unrealized Losses	121,000	'	750,000
Continuous unrealized loss securities, 12 months or more [Abstract]	'	'	'
12 months or longer - Fair Value	0	'	0
12 months or longer - Unrealized Losses	0	'	0
Securities with continuous unrealized losses, Total [Abstract]	'	'	'
Fair Value	33,382,000	'	63,115,000
Unrealized Losses	121,000	'	750,000
Obligations of states and political subdivisions [Member]	'	'	'
Continuous unrealized loss securities, 12 months or less [Abstract]	'	'	'
Less than 12 months - Fair Value	5,778,000	'	4,589,000
Less than 12 months - Unrealized Losses	35,000	'	22,000
Continuous unrealized loss securities, 12 months or more [Abstract]	'	'	'
12 months or longer - Fair Value	0	'	0
12 months or longer - Unrealized Losses	0	'	0
Securities with continuous unrealized losses, Total [Abstract]	'	'	'
Fair Value	5,778,000	'	4,589,000
Unrealized Losses	35,000	'	22,000
Corporate bonds and notes [Member]	'	'	'
Continuous unrealized loss securities, 12 months or less [Abstract]	'	'	'
Less than 12 months - Fair Value	240,000	'	238,000
Less than 12 months - Unrealized Losses	6,000	'	9,000
Continuous unrealized loss securities, 12 months or more [Abstract]	'	'	'
12 months or longer - Fair Value	0	'	0
12 months or longer - Unrealized Losses	0	'	0
Securities with continuous unrealized losses, Total [Abstract]	'	'	'
Fair Value	240,000	'	238,000
Unrealized Losses	6,000	'	9,000
SBA Loans [Member]	'	'	'
Continuous unrealized loss securities, 12 months or less [Abstract]	'	'	'
Less than 12 months - Fair Value	631,000	'	'
Less than 12 months - Unrealized Losses	3,000	'	'
Continuous unrealized loss securities, 12 months or more [Abstract]	'	'	'
12 months or longer - Fair Value	0	'	'
12 months or longer - Unrealized Losses	0	'	'
Securities with continuous unrealized losses, Total [Abstract]	'	'	'
Fair Value	631,000	'	'
Unrealized Losses	3,000	'	'
Corporate stocks [Member]	'	'	'
Continuous unrealized loss securities, 12 months or less [Abstract]	'	'	'
Less than 12 months - Fair Value	0	'	0
Less than 12 months - Unrealized Losses	0	'	0
Continuous unrealized loss securities, 12 months or more [Abstract]	'	'	'
12 months or longer - Fair Value	2,000	'	2,000
12 months or longer - Unrealized Losses	2,000	'	2,000
Securities with continuous unrealized losses, Total [Abstract]	'	'	'
Fair Value	2,000	'	2,000
Unrealized Losses	2,000	'	2,000
Collateralized debt obligations [Member]	'	'	'
Information related to the pooled trust preferred security [Abstract]	'	'	'
Book value of Pooled trust preferred security analyzed for currently performing collateral	500,000	'	'
Mortgage-backed securities, residential [Member]	'	'	'
Available for Sale, Amortized Cost [Abstract]	'	'	'
Amortized Cost, Total	99,974,000	'	'
Available for Sale, Fair Value [Abstract]	'	'	'
Fair Value, Total	101,137,000	'	'
Held to Maturity, Amortized Cost [Abstract]	'	'	'
Amortized Cost Total	0	'	'
Held to Maturity, Fair Value [Abstract]	'	'	'
Fair Value, Total	0	'	'
Collateralized mortgage obligations [Member]	'	'	'
Available for Sale, Amortized Cost [Abstract]	'	'	'
Amortized Cost, Total	777,000	'	'
Available for Sale, Fair Value [Abstract]	'	'	'
Fair Value, Total	789,000	'	'
Held to Maturity, Amortized Cost [Abstract]	'	'	'
Amortized Cost Total	0	'	'
Held to Maturity, Fair Value [Abstract]	'	'	'
Fair Value, Total	0	'	'
SBA Loans [Member]	'	'	'
Available for Sale, Amortized Cost [Abstract]	'	'	'
Amortized Cost, Total	1,426,000	'	'
Available for Sale, Fair Value [Abstract]	'	'	'
Fair Value, Total	1,438,000	'	'
Held to Maturity, Amortized Cost [Abstract]	'	'	'
Amortized Cost Total	0	'	'
Held to Maturity, Fair Value [Abstract]	'	'	'
Fair Value, Total	$0	'	'

LOANS_AND_ALLOWANCE_FOR_LOAN_L2

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
Composition of loan portfolio [Abstract]	'	'
Total loans, net of deferred origination fees and cost, and unearned income	$1,024,565	$995,866
Interest receivable on loans	2,367	2,597
Total	1,026,932	998,463
Commercial mortgages [Member]	'	'
Composition of loan portfolio [Abstract]	'	'
Total loans, net of deferred origination fees and cost, and unearned income	367,175	345,707
Commercial and Agricultural [Member]	'	'
Composition of loan portfolio [Abstract]	'	'
Total	145,538	145,732
Commercial and Agricultural [Member] \| Commercial and industrial [Member]	'	'
Composition of loan portfolio [Abstract]	'	'
Total loans, net of deferred origination fees and cost, and unearned income	144,681	144,787
Total	145,003	145,155
Commercial and Agricultural [Member] \| Agricultural [Member]	'	'
Composition of loan portfolio [Abstract]	'	'
Total loans, net of deferred origination fees and cost, and unearned income	534	576
Total	535	577
Commercial mortgages: Construction [Member]	'	'
Composition of loan portfolio [Abstract]	'	'
Total loans, net of deferred origination fees and cost, and unearned income	29,692	27,440
Residential mortgages [Member]	'	'
Composition of loan portfolio [Abstract]	'	'
Total loans, net of deferred origination fees and cost, and unearned income	196,396	195,997
Total	196,898	196,525
Consumer Loans [Member]	'	'
Composition of loan portfolio [Abstract]	'	'
Total	286,745	282,110
Consumer Loans [Member] \| Credit cards [Member]	'	'
Composition of loan portfolio [Abstract]	'	'
Total loans, net of deferred origination fees and cost, and unearned income	1,583	1,756
Total	1,583	1,757
Consumer Loans [Member] \| Home equity lines and loans [Member]	'	'
Composition of loan portfolio [Abstract]	'	'
Total loans, net of deferred origination fees and cost, and unearned income	95,827	95,905
Total	96,058	96,134
Consumer Loans [Member] \| Indirect consumer loans [Member]	'	'
Composition of loan portfolio [Abstract]	'	'
Total loans, net of deferred origination fees and cost, and unearned income	170,853	164,846
Total	171,222	165,294
Consumer Loans [Member] \| Direct consumer loans [Member]	'	'
Composition of loan portfolio [Abstract]	'	'
Total loans, net of deferred origination fees and cost, and unearned income	17,824	18,852
Total	$17,882	$18,925

LOANS_AND_ALLOWANCE_FOR_LOAN_L3

LOANS AND ALLOWANCE FOR LOAN LOSSES, ALLOWANCES (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
Allowance for loan losses, by portfolio segment [Roll Forward]	'	'	'
Beginning balance	$12,776	$10,433	'
Charge Offs	-573	-258	'
Recoveries	313	219	'
Net recoveries (charge offs)	-260	-39	'
Provision	639	431	'
Ending balance	13,155	10,825	'
Ending allowance balance attributable to loans [Abstract]	'	'	'
Individually evaluated for impairment	744	'	1,046
Collectively evaluated for impairment	10,909	'	10,340
Loans acquired with deteriorated credit quality	1,502	'	1,390
Total ending allowance balance	13,155	'	12,776
Loans [Abstract]	'	'	'
Loans individually evaluated for impairment	11,995	'	13,897
Loans collectively evaluated for impairment	1,005,175	'	974,870
Loans acquired with deteriorated credit quality	9,762	'	9,696
Total	1,026,932	'	998,463
Commercial and Agricultural [Member]	'	'	'
Allowance for loan losses, by portfolio segment [Roll Forward]	'	'	'
Beginning balance	1,979	1,707	'
Charge Offs	-55	-17	'
Recoveries	92	142	'
Net recoveries (charge offs)	37	125	'
Provision	-71	161	'
Ending balance	1,945	1,993	'
Ending allowance balance attributable to loans [Abstract]	'	'	'
Individually evaluated for impairment	549	'	576
Collectively evaluated for impairment	1,396	'	1,403
Loans acquired with deteriorated credit quality	0	'	0
Total ending allowance balance	1,945	'	1,979
Loans [Abstract]	'	'	'
Loans individually evaluated for impairment	2,208	'	2,946
Loans collectively evaluated for impairment	142,675	'	142,108
Loans acquired with deteriorated credit quality	655	'	678
Total	145,538	'	145,732
Commercial Mortgages [Member]	'	'	'
Allowance for loan losses, by portfolio segment [Roll Forward]	'	'	'
Beginning balance	6,243	4,428	'
Charge Offs	-44	0	'
Recoveries	38	9	'
Net recoveries (charge offs)	-6	9	'
Provision	247	236	'
Ending balance	6,484	4,673	'
Ending allowance balance attributable to loans [Abstract]	'	'	'
Individually evaluated for impairment	192	'	466
Collectively evaluated for impairment	4,802	'	4,407
Loans acquired with deteriorated credit quality	1,490	'	1,370
Total ending allowance balance	6,484	'	6,243
Loans [Abstract]	'	'	'
Loans individually evaluated for impairment	9,544	'	10,703
Loans collectively evaluated for impairment	379,366	'	354,636
Loans acquired with deteriorated credit quality	8,841	'	8,757
Total	397,751	'	374,096
Residential Mortgages [Member]	'	'	'
Allowance for loan losses, by portfolio segment [Roll Forward]	'	'	'
Beginning balance	1,517	1,566	'
Charge Offs	-7	-44	'
Recoveries	0	0	'
Net recoveries (charge offs)	-7	-44	'
Provision	42	35	'
Ending balance	1,552	1,557	'
Ending allowance balance attributable to loans [Abstract]	'	'	'
Individually evaluated for impairment	0	'	0
Collectively evaluated for impairment	1,540	'	1,497
Loans acquired with deteriorated credit quality	12	'	20
Total ending allowance balance	1,552	'	1,517
Loans [Abstract]	'	'	'
Loans individually evaluated for impairment	114	'	117
Loans collectively evaluated for impairment	196,518	'	196,147
Loans acquired with deteriorated credit quality	266	'	261
Total	196,898	'	196,525
Consumer Loans [Member]	'	'	'
Allowance for loan losses, by portfolio segment [Roll Forward]	'	'	'
Beginning balance	3,037	2,706	'
Charge Offs	-467	-197	'
Recoveries	183	68	'
Net recoveries (charge offs)	-284	-129	'
Provision	421	25	'
Ending balance	3,174	2,602	'
Ending allowance balance attributable to loans [Abstract]	'	'	'
Individually evaluated for impairment	3	'	4
Collectively evaluated for impairment	3,171	'	3,033
Loans acquired with deteriorated credit quality	0	'	0
Total ending allowance balance	3,174	'	3,037
Loans [Abstract]	'	'	'
Loans individually evaluated for impairment	129	'	131
Loans collectively evaluated for impairment	286,616	'	281,979
Loans acquired with deteriorated credit quality	0	'	0
Total	286,745	'	282,110
Unallocated [Member]	'	'	'
Allowance for loan losses, by portfolio segment [Roll Forward]	'	'	'
Beginning balance	0	26	'
Charge Offs	0	0	'
Recoveries	0	0	'
Net recoveries (charge offs)	0	0	'
Provision	0	26	'
Ending balance	0	0	'
Ending allowance balance attributable to loans [Abstract]	'	'	'
Individually evaluated for impairment	0	'	0
Collectively evaluated for impairment	0	'	0
Loans acquired with deteriorated credit quality	0	'	0
Total ending allowance balance	$0	'	$0

LOANS_AND_ALLOWANCE_FOR_LOAN_L4

LOANS AND ALLOWANCE FOR LOAN LOSSES, IMPAIRED LOANS (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014		Mar. 31, 2013		Dec. 31, 2013
Unpaid Principal Balance [Abstract]	'		'		'
Unpaid Principal Balance, Total	$11,990		'		$13,875
Recorded Investment [Abstract]	'		'		'
Recorded Investment, Total	11,995		'		13,897
Allowance for Loan Losses Allocated	744		'		1,046
Average Recorded Investment [Abstract]	'		'		'
Average Recorded Investment, Total	12,986		8,453		'
Interest Income, Accrual Method [Abstract]	'		'		'
Interest Income, Accrual Method, Total	104	[1]	70	[1]	'
With no related allowance recorded [Member] \| Commercial mortgages [Member] \| Construction [Member]	'		'		'
Unpaid Principal Balance [Abstract]	'		'		'
With no related allowance, Unpaid Principal Balance	2,286		'		2,329
Recorded Investment [Abstract]	'		'		'
With no related allowance, Recorded Investment	2,273		'		2,319
Allowance for Loan Losses Allocated	0		'		0
Average Recorded Investment [Abstract]	'		'		'
With no related allowance, Average Recorded Investment	2,296		474		'
Interest Income, Accrual Method [Abstract]	'		'		'
With no related allowance, Interest Income, Accrual Method	25	[1]	0	[1]	'
With no related allowance recorded [Member] \| Commercial mortgages [Member] \| Commercial mortgages other [Member]	'		'		'
Unpaid Principal Balance [Abstract]	'		'		'
With no related allowance, Unpaid Principal Balance	6,479		'		7,406
Recorded Investment [Abstract]	'		'		'
With no related allowance, Recorded Investment	6,490		'		7,439
Allowance for Loan Losses Allocated	0		'		0
Average Recorded Investment [Abstract]	'		'		'
With no related allowance, Average Recorded Investment	7,005		5,583		'
Interest Income, Accrual Method [Abstract]	'		'		'
With no related allowance, Interest Income, Accrual Method	63	[1]	53	[1]	'
With no related allowance recorded [Member] \| Commercial and Agricultural [Member] \| Commercial and industrial [Member]	'		'		'
Unpaid Principal Balance [Abstract]	'		'		'
With no related allowance, Unpaid Principal Balance	1,398		'		1,906
Recorded Investment [Abstract]	'		'		'
With no related allowance, Recorded Investment	1,403		'		1,909
Allowance for Loan Losses Allocated	0		'		0
Average Recorded Investment [Abstract]	'		'		'
With no related allowance, Average Recorded Investment	1,656		1,458		'
Interest Income, Accrual Method [Abstract]	'		'		'
With no related allowance, Interest Income, Accrual Method	14	[1]	17	[1]	'
With no related allowance recorded [Member] \| Residential mortgages [Member]	'		'		'
Unpaid Principal Balance [Abstract]	'		'		'
With no related allowance, Unpaid Principal Balance	114		'		117
Recorded Investment [Abstract]	'		'		'
With no related allowance, Recorded Investment	114		'		117
Allowance for Loan Losses Allocated	0		'		0
Average Recorded Investment [Abstract]	'		'		'
With no related allowance, Average Recorded Investment	115		130		'
Interest Income, Accrual Method [Abstract]	'		'		'
With no related allowance, Interest Income, Accrual Method	0	[1]	0	[1]	'
With no related allowance recorded [Member] \| Consumer Loan [Member] \| Home equity lines and loans [Member]	'		'		'
Unpaid Principal Balance [Abstract]	'		'		'
With no related allowance, Unpaid Principal Balance	69		'		71
Recorded Investment [Abstract]	'		'		'
With no related allowance, Recorded Investment	71		'		73
Allowance for Loan Losses Allocated	0		'		0
Average Recorded Investment [Abstract]	'		'		'
With no related allowance, Average Recorded Investment	72		23		'
Interest Income, Accrual Method [Abstract]	'		'		'
With no related allowance, Interest Income, Accrual Method	1	[1]	0	[1]	'
With allowance recorded [Member] \| Commercial mortgages [Member] \| Commercial mortgages other [Member]	'		'		'
Unpaid Principal Balance [Abstract]	'		'		'
With related allowance, Unpaid Principal Balance	783		'		951
Recorded Investment [Abstract]	'		'		'
With related allowance, Recorded Investment	781		'		945
Allowance for Loan Losses Allocated	192		'		466
Average Recorded Investment [Abstract]	'		'		'
With related allowance, Average Recorded Investment	863		361		'
Interest Income, Accrual Method [Abstract]	'		'		'
With related allowance, Interest Income, Accrual Method	0	[1]	0	[1]	'
With allowance recorded [Member] \| Commercial and Agricultural [Member] \| Commercial and industrial [Member]	'		'		'
Unpaid Principal Balance [Abstract]	'		'		'
With related allowance, Unpaid Principal Balance	804		'		1,037
Recorded Investment [Abstract]	'		'		'
With related allowance, Recorded Investment	805		'		1,037
Allowance for Loan Losses Allocated	549		'		576
Average Recorded Investment [Abstract]	'		'		'
With related allowance, Average Recorded Investment	921		387		'
Interest Income, Accrual Method [Abstract]	'		'		'
With related allowance, Interest Income, Accrual Method	0	[1]	0	[1]	'
With allowance recorded [Member] \| Consumer Loan [Member] \| Home equity lines and loans [Member]	'		'		'
Unpaid Principal Balance [Abstract]	'		'		'
With related allowance, Unpaid Principal Balance	57		'		58
Recorded Investment [Abstract]	'		'		'
With related allowance, Recorded Investment	58		'		58
Allowance for Loan Losses Allocated	3		'		4
Average Recorded Investment [Abstract]	'		'		'
With related allowance, Average Recorded Investment	58		29		'
Interest Income, Accrual Method [Abstract]	'		'		'
With related allowance, Interest Income, Accrual Method	1	[1]	0	[1]	'
With allowance recorded [Member] \| Consumer Loan [Member] \| Direct consumer loans [Member]	'		'		'
Average Recorded Investment [Abstract]	'		'		'
With related allowance, Average Recorded Investment	0		8		'
Interest Income, Accrual Method [Abstract]	'		'		'
With related allowance, Interest Income, Accrual Method	$0	[1]	$0	[1]	'

[1]	Cash basis interest income approximates interest income recognized.

LOANS_AND_ALLOWANCE_FOR_LOAN_L5

LOANS AND ALLOWANCE FOR LOAN LOSSES, RECEIVABLES PAST DUE (Details) (USD $)	Mar. 31, 2014		Dec. 31, 2013
In Thousands, unless otherwise specified	Mar. 31, 2014		Dec. 31, 2013
Aging of the recorded investment in loans past due [Abstract]	'		'
Current	$1,001,122		$970,708
30-89 Days Past Due	6,023		8,069
90 Days or more Past Due and accruing	1,458		1,473
Loans acquired with deteriorated credit quality	9,762		9,696
Non-Accrual	8,567	[1]	8,517	[2]
Total	1,026,932		998,463
Commercial and Agricultural [Member]	'		'
Aging of the recorded investment in loans past due [Abstract]	'		'
Loans acquired with deteriorated credit quality	655		678
Total	145,538		145,732
Commercial and Agricultural [Member] \| Agricultural [Member]	'		'
Aging of the recorded investment in loans past due [Abstract]	'		'
Current	535		577
30-89 Days Past Due	0		0
90 Days or more Past Due and accruing	0		0
Loans acquired with deteriorated credit quality	0		0
Non-Accrual	0	[1]	0	[2]
Total	535		577
Commercial and Agricultural [Member] \| Commercial and industrial [Member]	'		'
Aging of the recorded investment in loans past due [Abstract]	'		'
Current	142,750		143,100
30-89 Days Past Due	520		29
90 Days or more Past Due and accruing	0		0
Loans acquired with deteriorated credit quality	655		678
Non-Accrual	1,078	[1]	1,348	[2]
Total	145,003		145,155
Commercial mortgages [Member]	'		'
Aging of the recorded investment in loans past due [Abstract]	'		'
Loans acquired with deteriorated credit quality	8,841		8,757
Total	397,751		374,096
Commercial mortgages [Member] \| Construction [Member]	'		'
Aging of the recorded investment in loans past due [Abstract]	'		'
Current	27,037		24,742
30-89 Days Past Due	0		0
90 Days or more Past Due and accruing	1,451		1,454
Loans acquired with deteriorated credit quality	774		774
Non-Accrual	496	[1]	540	[2]
Total	29,758		27,510
Commercial mortgages [Member] \| Commercial mortgages other [Member]	'		'
Aging of the recorded investment in loans past due [Abstract]	'		'
Current	356,618		335,123
30-89 Days Past Due	1,002		1,138
90 Days or more Past Due and accruing	0		0
Loans acquired with deteriorated credit quality	8,067		7,983
Non-Accrual	2,306	[1]	2,342	[2]
Total	367,993		346,586
Residential mortgages [Member]	'		'
Aging of the recorded investment in loans past due [Abstract]	'		'
Current	189,719		187,448
30-89 Days Past Due	3,073		5,458
90 Days or more Past Due and accruing	0		0
Loans acquired with deteriorated credit quality	266		261
Non-Accrual	3,840	[1]	3,358	[2]
Total	196,898		196,525
Consumer Loans [Member]	'		'
Aging of the recorded investment in loans past due [Abstract]	'		'
Loans acquired with deteriorated credit quality	0		0
Total	286,745		282,110
Consumer Loans [Member] \| Credit cards [Member]	'		'
Aging of the recorded investment in loans past due [Abstract]	'		'
Current	1,568		1,729
30-89 Days Past Due	8		9
90 Days or more Past Due and accruing	7		19
Loans acquired with deteriorated credit quality	0		0
Non-Accrual	0	[1]	0	[2]
Total	1,583		1,757
Consumer Loans [Member] \| Home equity lines and loans [Member]	'		'
Aging of the recorded investment in loans past due [Abstract]	'		'
Current	95,235		95,349
30-89 Days Past Due	280		150
90 Days or more Past Due and accruing	0		0
Loans acquired with deteriorated credit quality	0		0
Non-Accrual	543	[1]	635	[2]
Total	96,058		96,134
Consumer Loans [Member] \| Indirect consumer loans [Member]	'		'
Aging of the recorded investment in loans past due [Abstract]	'		'
Current	169,838		163,810
30-89 Days Past Due	1,091		1,235
90 Days or more Past Due and accruing	0		0
Loans acquired with deteriorated credit quality	0		0
Non-Accrual	293	[1]	249	[2]
Total	171,222		165,294
Consumer Loans [Member] \| Direct consumer loans [Member]	'		'
Aging of the recorded investment in loans past due [Abstract]	'		'
Current	17,822		18,830
30-89 Days Past Due	49		50
90 Days or more Past Due and accruing	0		0
Loans acquired with deteriorated credit quality	0		0
Non-Accrual	11	[1]	45	[2]
Total	$17,882		$18,925

[1]	Includes all loans on non-accrual status regardless of the number of days such loans were delinquent as of March 31, 2014.
[2]	Includes all loans on non-accrual status regardless of the number of days such loans were delinquent as of December 31, 2013.

LOANS_AND_ALLOWANCE_FOR_LOAN_L6

LOANS AND ALLOWANCE FOR LOAN LOSSES, TROUBLED DEBT RESTRUCTURING (Details) (USD $)	3 Months Ended		12 Months Ended
	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
	Loan	Loan	Dec. 31, 2013
Troubled Debt Restructurings [Abstract]	'	'	'
Recorded investment in troubled debt restructurings	$7,300,000	'	$7,900,000
Troubled debt restructuring reserve	200,000	'	300,000
Troubled debt restructuring loan amount modified	6,500,000	'	6,800,000
Loans committed to customers with loans classified as TDR	0	'	200,000
Troubled debt restructurings increased allowance for loan losses	100,000	100,000	'
Troubled debt restructuring, charge offs	0	0	'
Period after troubled debt restructuring modification where no default payments made	'12 months	'	'
Number of days past due after which loan considered as payment default	'90 days	'	'
Loans by class modified as troubled debt restructurings [Abstract]	'	'	'
Number of Loans	3	4	'
Pre-Modification Outstanding Recorded Investment	870,000	535,000	'
Post-Modification Outstanding Recorded Investment	826,000	535,000	'
Commercial mortgages other [Member]	'	'	'
Troubled Debt Restructurings [Abstract]	'	'	'
Troubled debt restructuring loan amount modified	800,000	'	1,100,000
Commercial mortgages [Member]	'	'	'
Loans by class modified as troubled debt restructurings [Abstract]	'	'	'
Number of Loans	2	'	'
Pre-Modification Outstanding Recorded Investment	367,000	'	'
Post-Modification Outstanding Recorded Investment	323,000	'	'
Commercial and Agricultural [Member] \| Commercial and industrial [Member]	'	'	'
Loans by class modified as troubled debt restructurings [Abstract]	'	'	'
Number of Loans	1	2	'
Pre-Modification Outstanding Recorded Investment	503,000	431,000	'
Post-Modification Outstanding Recorded Investment	503,000	431,000	'
Consumer Loans [Member] \| Home Equity Lines & Loans [Member]	'	'	'
Loans by class modified as troubled debt restructurings [Abstract]	'	'	'
Number of Loans	'	2	'
Pre-Modification Outstanding Recorded Investment	'	104,000	'
Post-Modification Outstanding Recorded Investment	'	$104,000	'

LOANS_AND_ALLOWANCE_FOR_LOAN_L7

LOANS AND ALLOWANCE FOR LOAN LOSSES, CREDIT QUALITY INDICATOR (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	$1,026,932	$998,463
Deteriorated Loans Transferred in [Abstract]	'	'
Contractually required principal and interest, opening balance	11,230	'
Contractually required principal and interest, income accretion	0	'
Contractually required principal and interest, all other adjustments	157	'
Contractually required principal and interest, closing balance	11,073	'
Contractual cash flows not expected to be collected (nonaccretable discount), opening balance	-543	'
Contractual cash flows not expected to be collected (nonaccretable discount), income accretion	0	'
Contractual cash flows not expected to be collected (nonaccretable discount), all other adjustments	108	'
Contractual cash flows not expected to be collected (nonaccretable discount), closing balance	435	'
Cash flows expected to be collected, opening balance	10,687	'
Cash flows expected to be collected, income accretion	0	'
Cash flows expected to be collected, all other adjustments	49	'
Cash flows expected to be collected, closing balance	10,638	'
Interest component of expected cash flows (accretable yield), opening balance	-991	'
Interest component of expected cash flows (accretable yield), income accretion	199	'
Interest component of expected cash flows (accretable yield), all other adjustments	84	'
Interest component of expected cash flows (accretable yield), closing balance	-876	'
Fair value of loans acquired with deteriorating credit quality, opening balance	9,696	'
Fair value of loans acquired with deteriorating credit quality, income accretion	199	'
Fair value of loans acquired with deteriorating credit quality, all other adjustments	133	'
Fair value of loans acquired with deteriorating credit quality, closing balance	9,762	'
Commercial and Agricultural [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	145,538	145,732
Commercial and Agricultural [Member] \| Agricultural [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	535	577
Commercial and Agricultural [Member] \| Commercial and industrial [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	145,003	145,155
Residential mortgages [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	196,898	196,525
Residential and consumer finance receivable [Abstract]	'	'
Residential and consumer loans receivable	196,898	196,525
Consumer Loans [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	286,745	282,110
Consumer Loans [Member] \| Credit Cards [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	1,583	1,757
Residential and consumer finance receivable [Abstract]	'	'
Residential and consumer loans receivable	1,583	1,757
Consumer Loans [Member] \| Home equity lines and loans [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	96,058	96,134
Residential and consumer finance receivable [Abstract]	'	'
Residential and consumer loans receivable	96,058	96,134
Consumer Loans [Member] \| Indirect consumer loans [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	171,222	165,294
Residential and consumer finance receivable [Abstract]	'	'
Residential and consumer loans receivable	171,222	165,294
Consumer Loans [Member] \| Direct consumer loans [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	17,882	18,925
Residential and consumer finance receivable [Abstract]	'	'
Residential and consumer loans receivable	17,882	18,925
Not Rated [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	478,605	474,099
Not Rated [Member] \| Commercial mortgages [Member] \| Construction [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	0	0
Not Rated [Member] \| Commercial mortgages [Member] \| Commercial mortgages other [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	0	0
Not Rated [Member] \| Commercial and Agricultural [Member] \| Agricultural [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	0	0
Not Rated [Member] \| Commercial and Agricultural [Member] \| Commercial and industrial [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	0	0
Not Rated [Member] \| Residential mortgages [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	192,792	192,995
Not Rated [Member] \| Consumer Loans [Member] \| Credit Cards [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	1,583	1,757
Not Rated [Member] \| Consumer Loans [Member] \| Home equity lines and loans [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	95,439	95,422
Not Rated [Member] \| Consumer Loans [Member] \| Indirect consumer loans [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	170,920	165,045
Not Rated [Member] \| Consumer Loans [Member] \| Direct consumer loans [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	17,871	18,880
Pass [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	493,562	471,235
Pass [Member] \| Commercial mortgages [Member] \| Construction [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	25,101	23,087
Pass [Member] \| Commercial mortgages [Member] \| Commercial mortgages other [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	333,719	313,956
Pass [Member] \| Commercial and Agricultural [Member] \| Agricultural [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	535	577
Pass [Member] \| Commercial and Agricultural [Member] \| Commercial and industrial [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	134,207	133,615
Pass [Member] \| Residential mortgages [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	0	0
Pass [Member] \| Consumer Loans [Member] \| Credit Cards [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	0	0
Pass [Member] \| Consumer Loans [Member] \| Home equity lines and loans [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	0	0
Pass [Member] \| Consumer Loans [Member] \| Indirect consumer loans [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	0	0
Pass [Member] \| Consumer Loans [Member] \| Direct consumer loans [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	0	0
Loans Acquired with deteriorated credit quality [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	9,762	9,696
Loans Acquired with deteriorated credit quality [Member] \| Commercial mortgages [Member] \| Construction [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	774	774
Loans Acquired with deteriorated credit quality [Member] \| Commercial mortgages [Member] \| Commercial mortgages other [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	8,067	7,983
Loans Acquired with deteriorated credit quality [Member] \| Commercial and Agricultural [Member] \| Agricultural [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	0	0
Loans Acquired with deteriorated credit quality [Member] \| Commercial and Agricultural [Member] \| Commercial and industrial [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	655	678
Loans Acquired with deteriorated credit quality [Member] \| Residential mortgages [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	266	261
Loans Acquired with deteriorated credit quality [Member] \| Consumer Loans [Member] \| Credit Cards [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	0	0
Loans Acquired with deteriorated credit quality [Member] \| Consumer Loans [Member] \| Home equity lines and loans [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	0	0
Loans Acquired with deteriorated credit quality [Member] \| Consumer Loans [Member] \| Indirect consumer loans [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	0	0
Loans Acquired with deteriorated credit quality [Member] \| Consumer Loans [Member] \| Direct consumer loans [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	0	0
Special Mention [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	25,523	21,511
Special Mention [Member] \| Commercial mortgages [Member] \| Construction [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	3,061	2,783
Special Mention [Member] \| Commercial mortgages [Member] \| Commercial mortgages other [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	16,394	13,611
Special Mention [Member] \| Commercial and Agricultural [Member] \| Agricultural [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	0	0
Special Mention [Member] \| Commercial and Agricultural [Member] \| Commercial and industrial [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	6,068	5,117
Special Mention [Member] \| Residential mortgages [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	0	0
Special Mention [Member] \| Consumer Loans [Member] \| Credit Cards [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	0	0
Special Mention [Member] \| Consumer Loans [Member] \| Home equity lines and loans [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	0	0
Special Mention [Member] \| Consumer Loans [Member] \| Indirect consumer loans [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	0	0
Special Mention [Member] \| Consumer Loans [Member] \| Direct consumer loans [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	0	0
Substandard [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	18,615	20,901
Substandard [Member] \| Commercial mortgages [Member] \| Construction [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	822	866
Substandard [Member] \| Commercial mortgages [Member] \| Commercial mortgages other [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	9,753	11,036
Substandard [Member] \| Commercial and Agricultural [Member] \| Agricultural [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	0	0
Substandard [Member] \| Commercial and Agricultural [Member] \| Commercial and industrial [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	3,268	4,724
Substandard [Member] \| Residential mortgages [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	3,840	3,269
Substandard [Member] \| Consumer Loans [Member] \| Credit Cards [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	0	0
Substandard [Member] \| Consumer Loans [Member] \| Home equity lines and loans [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	619	712
Substandard [Member] \| Consumer Loans [Member] \| Indirect consumer loans [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	302	249
Substandard [Member] \| Consumer Loans [Member] \| Direct consumer loans [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	11	45
Doubtful [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	865	1,021
Doubtful [Member] \| Commercial mortgages [Member] \| Construction [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	0	0
Doubtful [Member] \| Commercial mortgages [Member] \| Commercial mortgages other [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	60	0
Doubtful [Member] \| Commercial and Agricultural [Member] \| Agricultural [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	0	0
Doubtful [Member] \| Commercial and Agricultural [Member] \| Commercial and industrial [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	805	1,021
Doubtful [Member] \| Residential mortgages [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	0	0
Doubtful [Member] \| Consumer Loans [Member] \| Credit Cards [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	0	0
Doubtful [Member] \| Consumer Loans [Member] \| Home equity lines and loans [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	'	0
Doubtful [Member] \| Consumer Loans [Member] \| Indirect consumer loans [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	'	0
Doubtful [Member] \| Consumer Loans [Member] \| Direct consumer loans [Member]	'	'
Finance receivable by credit quality indicator [Abstract]	'	'
Loans	0	0
Performing [Member] \| Residential mortgages [Member]	'	'
Residential and consumer finance receivable [Abstract]	'	'
Residential and consumer loans receivable	193,058	193,167
Performing [Member] \| Consumer Loans [Member] \| Credit Cards [Member]	'	'
Residential and consumer finance receivable [Abstract]	'	'
Residential and consumer loans receivable	1,576	1,738
Performing [Member] \| Consumer Loans [Member] \| Home equity lines and loans [Member]	'	'
Residential and consumer finance receivable [Abstract]	'	'
Residential and consumer loans receivable	95,515	95,499
Performing [Member] \| Consumer Loans [Member] \| Indirect consumer loans [Member]	'	'
Residential and consumer finance receivable [Abstract]	'	'
Residential and consumer loans receivable	170,929	165,045
Performing [Member] \| Consumer Loans [Member] \| Direct consumer loans [Member]	'	'
Residential and consumer finance receivable [Abstract]	'	'
Residential and consumer loans receivable	17,871	18,880
Non-Performing [Member] \| Residential mortgages [Member]	'	'
Residential and consumer finance receivable [Abstract]	'	'
Residential and consumer loans receivable	3,840	3,358
Non-Performing [Member] \| Consumer Loans [Member] \| Credit Cards [Member]	'	'
Residential and consumer finance receivable [Abstract]	'	'
Residential and consumer loans receivable	7	19
Non-Performing [Member] \| Consumer Loans [Member] \| Home equity lines and loans [Member]	'	'
Residential and consumer finance receivable [Abstract]	'	'
Residential and consumer loans receivable	543	635
Non-Performing [Member] \| Consumer Loans [Member] \| Indirect consumer loans [Member]	'	'
Residential and consumer finance receivable [Abstract]	'	'
Residential and consumer loans receivable	293	249
Non-Performing [Member] \| Consumer Loans [Member] \| Direct consumer loans [Member]	'	'
Residential and consumer finance receivable [Abstract]	'	'
Residential and consumer loans receivable	$11	$45

FAIR_VALUE_Details

FAIR VALUE (Details) (USD $)

3 Months Ended

12 Months Ended

3 Months Ended

12 Months Ended

3 Months Ended

12 Months Ended

3 Months Ended

12 Months Ended

3 Months Ended

12 Months Ended

3 Months Ended

12 Months Ended

Mar. 31, 2014

Mar. 31, 2013

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Level

Carrying Amount [Member]

Estimated Fair Value [Member]

Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]

Significant Other Observable Inputs (Level 2) [Member]

Significant Unobservable Inputs (Level 3) [Member]

Impaired Loans [Member]

Other real estate owned [Member]

Recurring [Member]

Non-recurring [Member]

Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]

Significant Other Observable Inputs (Level 2) [Member]

Significant Unobservable Inputs (Level 3) [Member]

Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]

Significant Other Observable Inputs (Level 2) [Member]

Significant Unobservable Inputs (Level 3) [Member]

Fair Value [Member]

Impaired Loans [Member]

Other real estate owned [Member]

Impaired Loans [Member]

Other real estate owned [Member]

Impaired Loans [Member]

Other real estate owned [Member]

Impaired Loans [Member]

Other real estate owned [Member]

Market Approach Valuation Technique [Member]

FAIR VALUE [Abstract]

Number of levels

Financial Assets [Abstract]

Obligations of U.S. Government and U.S. Government sponsored enterprises

$182,970,000

$188,106,000

$31,258,000

$31,262,000

$151,712,000

$156,844,000

Mortgage-backed securities, residential

101,137,000

104,356,000

101,137,000

104,356,000

Collateralized mortgage obligations

789,000

1,015,000

789,000

1,015,000

Obligations of states and political subdivisions

38,345,000

38,376,000

38,345,000

38,376,000

Corporate bonds and notes

2,926,000

2,946,000

2,926,000

2,946,000

SBA loan pools

1,438,000

1,488,000

1,438,000

1,488,000

Trust Preferred securities

2,037,000

2,034,000

2,037,000

2,034,000

Corporate stocks

7,492,000

7,695,000

7,075,000

7,279,000

417,000

416,000

Estimated Fair Value

337,134,000

346,016,000

337,134,000

346,016,000

38,333,000

38,541,000

298,801,000

307,475,000

Trading assets

413,000

366,000

413,000

366,000

Impaired Loans [Abstract]

Commercial & industrial

255,000

460,000

101,000

255,000

460,000

101,000

Commercial mortgage other

591,000

485,000

176,000

266,000

591,000

485,000

176,000

266,000

Residential mortgages

106,000

Consumer loans [Abstract]

Home equity lines and loans

54,000

65,000

54,000

65,000

Total Impaired Loans

900,000

999,000

900,000

999,000

Total Other real estate owned, net

700,000

241,000

538,000

241,000

538,000

Information related to Level 3 non-recurring fair value measurement [Abstract]

Fair Value

900,000

999,000

241,000

538,000

Valuation Techniques

'Third party appraisals

Unobservable Input 1

'Management discount based on underlying collateral characteristics and market conditions

'Estimated holding period

Unobservable Input 2

'Estimated closing costs

Financial Assets [Abstract]

Carrying amount of impaired loans

1,600,000

2,000,000

Impaired loan valuation allowance

744,000

1,046,000

700,000

1,000,000

Provision for loan losses

639,000

431,000

-300,000

900,000

OREO - Other real estate owned carrying value, net

200,000

500,000

OREO - Other real estate owned gross

700,000

241,000

538,000

241,000

538,000

Other real estate owned valuation allowance

200,000

Write down of OREO

Financial Assets [Abstract]

Cash and due from financial institutions

34,478,000

31,600,000

34,478,000

31,600,000

34,478,000

[1]

31,600,000

[1]

34,478,000

31,600,000

Interest-bearing deposits in other financial institutions

22,670,000

20,009,000

22,670,000

20,009,000

22,670,000

[1]

20,009,000

[1]

22,670,000

20,009,000

Trading assets

413,000

366,000

413,000

[1]

366,000

[1]

413,000

366,000

Securities available for sale

337,134,000

346,016,000

337,134,000

346,016,000

337,134,000

[1]

346,016,000

[1]

38,333,000

38,541,000

298,801,000

307,475,000

Securities held to maturity

6,126,000

6,495,000

6,126,000

6,495,000

6,532,000

[1]

6,930,000

[1]

6,532,000

6,930,000

FHLBNY and FRBNY stock

4,482,000

Loans, net

1,011,410,000

983,090,000

1,011,410,000

983,090,000

1,037,728,000

[1]

1,008,826,000

[1]

1,037,728,000

1,008,826,000

Loans held for sale

75,000

695,000

75,000

695,000

75,000

[1]

695,000

[1]

75,000

695,000

Accrued interest receivable

2,367,000

2,597,000

4,436,000

4,166,000

4,436,000

[1]

4,166,000

[1]

361,000

145,000

1,747,000

1,468,000

2,328,000

2,553,000

Deposits [Abstract]

Demand, savings, and insured money market accounts

1,056,021,000

1,021,764,000

1,056,021,000

[1]

1,021,764,000

[1]

1,056,021,000

1,021,764,000

Time deposits

235,869,000

244,492,000

236,679,000

[1]

245,482,000

[1]

236,679,000

245,482,000

Securities sold under agreements to repurchase

30,646,000

32,701,000

30,646,000

32,701,000

31,773,000

[1]

33,636,000

[1]

31,773,000

33,636,000

FHLBNY term advances

25,189,000

25,243,000

25,189,000

25,243,000

26,142,000

[1]

26,063,000

[1]

26,142,000

26,064,000

Accrued interest payable

$290,000

$336,000

$290,000

[1]

$336,000

[1]

$13,000

$15,000

$131,000

$170,000

$146,000

$151,000

[1]

Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates.

GOODWILL_AND_INTANGIBLE_ASSETS2

GOODWILL AND INTANGIBLE ASSETS (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
Goodwill [Roll Forward]	'	'	'
Beginning of year	$21,824	$21,824	'
Acquired goodwill	0	0	'
Ending balance March 31,	21,824	21,824	'
Finite-lived intangible assets, net [Abstract]	'	'	'
Balance Acquired	11,608	'	12,038
Accumulated Amortization	5,575	'	5,661
Aggregate amortization expense	344	235	'
Finite-lived intangible assets, future amortization expense [Abstract]	'	'	'
2014	967	'	'
2015	1,136	'	'
2016	986	'	'
2017	859	'	'
2018	734	'	'
2019 and thereafter	1,351	'	'
Total	6,033	'	'
Core deposit intangibles [Member]	'	'	'
Finite-lived intangible assets, net [Abstract]	'	'	'
Balance Acquired	5,975	'	5,975
Accumulated Amortization	2,589	'	2,338
Other customer relationship intangibles [Member]	'	'	'
Finite-lived intangible assets, net [Abstract]	'	'	'
Balance Acquired	5,633	'	6,063
Accumulated Amortization	$2,986	'	$3,323

ACCUMULATED_OTHER_COMPREHENSIV2

ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014		Mar. 31, 2013
Accumulated Other Comprehensive Income Loss Net Of Tax [Roll Forward]	'		'
Balance at beginning of period	$155		($2,807)
Other comprehensive income before Reclassification	544		-43
Amounts reclassified from accumulated other comprehensive income	88		227
Net current period other comprehensive income	632		184
Balance at end of period	787		-2,623
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]	'		'
Pension and other employee benefits	1,359		1,424
Income tax expense	951		1,171
Net of tax	2,064		2,412
Reclassification out of Accumulated Other Comprehensive Income [Member]	'		'
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]	'		'
Net of tax	88		-227
Unrealized Gains and Losses on Securities Available for Sale [Member]	'		'
Accumulated Other Comprehensive Income Loss Net Of Tax [Roll Forward]	'		'
Balance at beginning of period	6,043		8,023
Other comprehensive income before Reclassification	544		-43
Amounts reclassified from accumulated other comprehensive income	0		0
Net current period other comprehensive income	544		-43
Balance at end of period	6,587		7,980
Unrealized Gains and Losses on Securities Available for Sale [Member] \| Reclassification out of Accumulated Other Comprehensive Income [Member]	'		'
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]	'		'
Total impairment losses	0		0
Net gain on securities transactions	0		0
Income tax expense	0		0
Net of tax	0		0
Defined Benefit and Other Benefit Plans [Member]	'		'
Accumulated Other Comprehensive Income Loss Net Of Tax [Roll Forward]	'		'
Balance at beginning of period	-5,888		-10,830
Other comprehensive income before Reclassification	0		0
Amounts reclassified from accumulated other comprehensive income	88		227
Net current period other comprehensive income	88		227
Balance at end of period	-5,800		-10,603
Defined Benefit and Other Benefit Plans [Member] \| Reclassification out of Accumulated Other Comprehensive Income [Member]	'		'
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]	'		'
Income tax expense	55		142
Net of tax	88		-227
Prior Service Costs [Member] \| Reclassification out of Accumulated Other Comprehensive Income [Member]	'		'
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]	'		'
Pension and other employee benefits	22	[1]	21	[1]
Actuarial Losses [Member] \| Reclassification out of Accumulated Other Comprehensive Income [Member]	'		'
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]	'		'
Pension and other employee benefits	($165)	[1]	($390)	[1]

[1]	These accumulated other comprehensive income components are included in the computation of net periodic pension and other benefit plan costs (see Note 9 for additional information).

COMMITMENTS_AND_CONTINGENCIES_

COMMITMENTS AND CONTINGENCIES (Details) (Pending Litigation [Member], USD $)	3 Months Ended
In Millions, unless otherwise specified	Mar. 31, 2014
	Proceeding
Loss Contingencies [Line Items]	'
Number of legal proceedings	2
Objections to Final Settlement of Trust Account One [Member]	'
Loss Contingencies [Line Items]	'
Damages and disallowed trustee's commissions claimed	9.6
Objections to Final Settlement of Trust Account Two [Member]	'
Loss Contingencies [Line Items]	'
Damages and disallowed trustee's commissions claimed	24.1

COMPONENTS_OF_QUARTERLY_AND_YE2

COMPONENTS OF QUARTERLY AND YEAR TO DATE NET PERIODIC BENEFIT COSTS (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Qualified Pension [Member]	'	'
Defined Benefit Plan, Net Periodic Benefit Cost [Abstract]	'	'
Service cost, benefits earned during the period	$271	$349
Interest cost on projected benefit obligation	435	409
Expected return on plan assets	-793	-727
Amortization of unrecognized transition obligation	0	0
Amortization of unrecognized prior service benefit	2	3
Amortization of unrecognized net loss	160	380
Net periodic pension expense	75	414
Supplemental Pension [Member]	'	'
Defined Benefit Plan, Net Periodic Benefit Cost [Abstract]	'	'
Service cost, benefits earned during the period	10	10
Interest cost on projected benefit obligation	13	11
Expected return on plan assets	0	0
Amortization of unrecognized prior service benefit	0	0
Amortization of unrecognized net loss	5	8
Net periodic pension expense	28	29
Postretirement, Medical and Life [Member]	'	'
Defined Benefit Plan, Net Periodic Benefit Cost [Abstract]	'	'
Service cost, benefits earned during the period	11	11
Interest cost on projected benefit obligation	18	15
Expected return on plan assets	0	0
Amortization of unrecognized prior service benefit	-24	-24
Amortization of unrecognized net loss	0	1
Net periodic pension expense	$5	$3

SEGMENT_REPORTING_Details

SEGMENT REPORTING (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
	Segment	Mar. 31, 2013	Dec. 31, 2013
SEGMENT REPORTING [Abstract]	'	'	'
Number of primary business segment	2	'	'
Reportable segments and reconciliation to consolidated results [Abstract]	'	'	'
Net interest income	$12,033	$11,717	'
Provision for loan losses	639	431	'
Net interest income after provision for loan losses	11,394	11,286	'
Other operating income	4,964	4,022	'
Other operating expenses	13,343	11,725	'
Income before income tax expense	3,015	3,583	'
Income tax expense (benefit)	951	1,171	'
Net Income	2,064	2,412	'
Segment assets	1,497,531	'	1,476,143
Core Banking [Member]	'	'	'
Reportable segments and reconciliation to consolidated results [Abstract]	'	'	'
Net interest income	12,030	11,715	'
Provision for loan losses	639	431	'
Net interest income after provision for loan losses	11,391	11,284	'
Other operating income	2,888	1,995	'
Other operating expenses	11,812	9,931	'
Income before income tax expense	2,467	3,348	'
Income tax expense (benefit)	758	1,081	'
Net Income	1,709	2,267	'
Segment assets	1,490,857	1,272,340	'
Wealth Management Group Services [Member]	'	'	'
Reportable segments and reconciliation to consolidated results [Abstract]	'	'	'
Net interest income	0	0	'
Provision for loan losses	0	0	'
Net interest income after provision for loan losses	0	0	'
Other operating income	1,883	1,750	'
Other operating expenses	1,318	1,534	'
Income before income tax expense	565	216	'
Income tax expense (benefit)	217	83	'
Net Income	348	133	'
Segment assets	4,878	5,118	'
Holding Company and Other [Member]	'	'	'
Reportable segments and reconciliation to consolidated results [Abstract]	'	'	'
Net interest income	3	2	'
Provision for loan losses	0	0	'
Net interest income after provision for loan losses	3	2	'
Other operating income	193	277	'
Other operating expenses	213	260	'
Income before income tax expense	-17	19	'
Income tax expense (benefit)	-24	7	'
Net Income	7	12	'
Segment assets	1,796	2,514	'
Consolidated Total [Member]	'	'	'
Reportable segments and reconciliation to consolidated results [Abstract]	'	'	'
Net interest income	12,033	11,717	'
Provision for loan losses	639	431	'
Net interest income after provision for loan losses	11,394	11,286	'
Other operating income	4,964	4,022	'
Other operating expenses	13,343	11,725	'
Income before income tax expense	3,015	3,583	'
Income tax expense (benefit)	951	1,171	'
Net Income	2,064	2,412	'
Segment assets	$1,497,531	$1,279,972	'

STOCK_COMPENSATION_Details

STOCK COMPENSATION (Details) (USD $)	3 Months Ended
In Thousands, except Share data, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Board of Director's Stock Compensation [Abstract]	'	'
Service period for comparable group used to determine share based payment awards	'12 months	'
Number of treasury shares reissued to fund stock component of director compensation (in shares)	8,385	7,969
Distribution of shares of treasury stock for directors compensation value stock comp	$56	$68
Restricted Stock [Member]	'	'
Restricted Stock Activity - Shares [Abstract]	'	'
Nonvested, Beginning Balance (in shares)	20,639	'
Granted (in shares)	990	'
Vested (in shares)	-215	'
Forfeited or Cancelled (in shares)	0	'
Nonvested, Ending Balance (in shares)	21,414	'
Weighted Average Grant Date Fair Value [Abstract]	'	'
Nonvested, Beginning Balance (in dollars per share)	$27.17	'
Granted (in dollars per share)	$30.33	'
Vested (in dollars per share)	$23.18	'
Forfeitures or Cancelled (in dollars per share)	$0	'
Nonvested (in dollars per share)	$27.36	'
Unrecognized compensation cost related to nonvested	543	'
Period for recognition	'3 years 11 months 12 days	'
Vested in Period, Total Fair Value	$6	'