Chemung Financial (CHMG) 10-Q 8 May 15 2015 Q1 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information	3 Months Ended
	Mar. 31, 2015	7-May-15
Document and Entity Information [Abstract]
Entity Registrant Name	CHEMUNG FINANCIAL CORP
Entity Central Index Key	763563
Current Fiscal Year End Date	-19
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		4,650,073
Document Fiscal Year Focus	2015
Document Fiscal Period Focus	Q1
Document Type	10-Q
Amendment Flag	FALSE
Document Period End Date	31-Mar-15

CONSOLIDATED_BALANCE_SHEETS_UN

CONSOLIDATED BALANCE SHEETS (UNAUDITED) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
ASSETS
Cash and due from financial institutions	$29,643	$28,130
Interest-bearing deposits in other financial institutions	55,230	1,033
Total cash and cash equivalents	84,873	29,163
Trading assets, at fair value	601	549
Securities available for sale, at estimated fair value	266,307	280,507
Securities held to maturity, estimated fair value of $6,076 at March 31, 2015 and $6,197 at December 31,2014	5,693	5,831
FHLBNY and FRBNY Stock, at cost	4,148	5,535
Loans, net of deferred loan fees	1,143,572	1,121,574
Allowance for loan losses	-13,892	-13,686
Loans, net	1,129,680	1,107,888
Loans held for sale	628	665
Premises and equipment, net	31,548	32,287
Goodwill	21,824	21,824
Other intangible assets, net	4,763	5,067
Bank owned life insurance	2,782	2,764
Accrued interest receivable and other assets	31,925	32,459
Total assets	1,584,772	1,524,539
Deposits:
Non-interest-bearing	376,773	366,298
Interest-bearing	991,357	913,716
Total deposits	1,368,130	1,280,014
FHLBNY overnight advances	0	30,830
Securities sold under agreements to repurchase	31,084	29,652
FHLBNY term advances	19,283	19,310
Long term capital lease obligation	2,976	2,976
Dividends payable	1,209	1,204
Accrued interest payable and other liabilities	25,797	26,925
Total liabilities	1,448,479	1,390,911
Shareholders' equity:
Common stock, $0.01 par value per share, 10,000,000 shares authorized; 5,310,076 issued at March 31, 2015 and December 31, 2014	53	53
Additional-paid-in capital	45,477	45,355
Retained earnings	115,450	114,383
Treasury stock, at cost (662,244 shares at March 31, 2015; 680,948 shares at December 31, 2014)	-16,900	-17,378
Accumulated other comprehensive loss	-7,787	-8,785
Total shareholders' equity	136,293	133,628
Total liabilities and shareholders' equity	$1,584,772	$1,524,539

CONSOLIDATED_BALANCE_SHEETS_UN1

CONSOLIDATED BALANCE SHEETS (UNAUDITED) (Parenthetical) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, except Share data, unless otherwise specified
ASSETS
Securities held to maturity, estimated fair value	$6,076	$6,197
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)	662,244	680,948

CONSOLIDATED_STATEMENTS_OF_INC

CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) (USD $)	3 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Interest and dividend income:
Loans, including fees	$11,903	$11,168
Taxable securities	1,089	1,503
Tax exempt securities	219	264
Interest-bearing deposits	23	19
Total interest and dividend income	13,234	12,954
Interest expense:
Deposits	486	522
Securities sold under agreements to repurchase	209	209
Borrowed funds	197	190
Total interest expense	892	921
Net interest income	12,342	12,033
Provision for loan losses	390	639
Net interest income after provision for loan losses	11,952	11,394
Other non-interest income:
WMG fee income	2,126	1,883
Service charges on deposit accounts	1,138	1,232
Net gain on security transactions	50	0
Net gain on sales of loans held for sale	52	41
Net gains (losses) on sales of other real estate owned	78	-30
Income from bank owned life insurance	18	19
Other	1,724	1,819
Total other non-interest income	5,186	4,964
Other non-interest expense:
Salaries and wages	5,100	5,153
Pension and other employee benefits	1,729	1,359
Net occupancy expenses	1,850	1,793
Furniture and equipment expenses	733	630
Data processing expense	1,561	1,481
Professional services	269	222
Amortization of intangible assets	304	344
Marketing and advertising expenses	235	293
Other real estate owned expenses	84	87
FDIC insurance	286	269
Loan expense	140	149
Merger and acquisition related expenses	0	86
Other	1,445	1,477
Total other non-interest expenses	13,736	13,343
Income before income tax expense	3,402	3,015
Income tax expense	1,126	951
Net income	$2,276	$2,064
Weighted average shares outstanding (in shares)	4,707	4,677
Basic and diluted earnings per share (in dollars per share)	$0.48	$0.44

CONSOLIDATED_STATEMENTS_OF_COM

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED) [Abstract]
Net income	$2,276	$2,064
Other comprehensive income:
Unrealized holding gains on securities available for sale	1,265	884
Reclassification adjustment for gains realized in net income	-50	0
Net unrealized gains	1,215	884
Tax effect	441	340
Net of tax amount	774	544
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	-22
Reclassification adjustment for amortization of net actuarial loss	383	165
Total before tax effect	361	143
Tax effect	137	55
Net of tax amount	224	88
Total other comprehensive income	998	632
Comprehensive income	$3,274	$2,696

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, unless otherwise specified
Balances at Dec. 31, 2013	$53	$45,399	$111,031	($18,060)	$155	$138,578
Increase (Decrease) in Shareholders' Equity [Roll Forward]
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
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 restricted stock awards, net	0	-26	0	26	0	0
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	-17,278	787	140,523
Balances at Dec. 31, 2014	53	45,355	114,383	-17,378	-8,785	133,628
Increase (Decrease) in Shareholders' Equity [Roll Forward]
Net income	0	0	2,276	0	0	2,276
Other comprehensive income	0	0	0	0	998	998
Restricted stock awards	0	52	0	0	0	52
Restricted stock units for directors' deferred compensation plan	0	25	0	0	0	25
Cash dividends declared	0	0	-1,209	0	0	-1,209
Distribution of shares of treasury stock for directors' compensation	0	24	0	247	0	271
Distribution of shares of treasury stock for employee compensation	0	8	0	85	0	93
Sale of treasury stock	0	13	0	146	0	159
Balances at Mar. 31, 2015	$53	$45,477	$115,450	($16,900)	($7,787)	$136,293

CONSOLIDATED_STATEMENTS_OF_SHA1

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY (UNAUDITED) (Parenthetical) (USD $)	3 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Increase (Decrease) in Shareholders' Equity [Roll Forward]
Cash dividends declared (in dollars per share)	$0.26	$0.26
Distribution of shares of treasury stock for directors' compensation (in shares)	9,673	8,385
Distribution of shares of treasury stock granted for employee restricted stock awards (in shares)		990
Distribution of shares of treasury stock for employee compensation (in shares)	3,303	3,595
Sale of shares of treasury stock (in shares)	5,728

CONSOLIDATED_STATEMENTS_OF_CAS

CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$2,276	$2,064
Adjustments to reconcile net income to net cash provided by operating activities:
Amortization of intangible assets	304	344
Provision for loan losses	390	639
Gain on disposal of fixed assets	-9	-7
Depreciation and amortization of fixed assets	1,024	886
Amortization of premiums on securities, net	549	614
Gains on sales of loans held for sale, net	-52	-41
Proceeds from sales of loans held for sale	2,341	1,804
Loans originated and held for sale	-2,252	-1,143
Net gains on trading assets	-10	-12
Net gains on securities transactions	-50	0
Net (gains) losses on sales of other real estate owned	-78	30
Purchase of trading assets	-42	-35
(Increase) decrease in other assets	-25	1,354
Decrease in accrued interest payable	-12	-46
Expense related to restricted stock units for directors' deferred compensation plan	25	23
Expense related to employee stock compensation	93	117
Expense related to employee stock awards	52	36
Decrease in other liabilities	-1,062	-4,021
Income from bank owned life insurance	-18	-19
Net cash provided by operating activities	3,444	2,587
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from sales and calls of securities available for sale	5,751	5,000
Proceeds from maturities and principal collected on securities available for sale	9,165	5,027
Proceeds from maturities and principal collected on securities held to maturity	598	630
Purchases of securities available for sale	0	-875
Purchases of securities held to maturity	-460	-261
Purchase of FHLBNY and FRBNY stock	-2,391	0
Redemption of FHLBNY and FRBNY stock	3,778	0
Proceeds from sale of equipment	9	7
Purchases of premises and equipment	-285	-198
Proceeds from sales of other real estate owned	647	249
Net increase in loans	-22,192	-28,958
Net cash used by investing activities	-5,380	-19,379
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in demand deposits, interest-bearing demand accounts, savings accounts, and insured money market accounts	112,008	34,257
Net decrease in time deposits	-23,892	-8,623
Net increase (decrease) in securities sold under agreements to repurchase	1,432	-2,055
Repayments of FHLBNY long term advances	-27	-54
Repayments of FHLBNY overnight advances, net	-30,830	0
Sale of treasury stock	159	0
Cash dividends paid	-1,204	-1,194
Net cash provided by financing activities	57,646	22,331
Net increase in cash and cash equivalents	55,710	5,539
Cash and cash equivalents, beginning of period	29,163	51,609
Cash and cash equivalents, end of period	84,873	57,148
Cash paid for:
Interest	904	967
Income taxes	1,546	68
Supplemental disclosure of non-cash activity:
Transfer of loans to other real estate owned	10	0
Dividends declared, not yet paid	$1,209	$1,200

SUMMARY_OF_SIGNIFICANT_ACCOUNT

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	3 Months Ended
	Mar. 31, 2015
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	NOTE 1                                        SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
	Organization
	The Corporation, through its wholly owned subsidiaries, the Bank and CFS, 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 for interim financial information and pursuant to the requirements for reporting on Form 10-Q and Article 10 of Regulation S-X of the Securities Exchange Act of 1934.  These financial statements include the accounts of the Corporation and its subsidiaries, and all significant intercompany balances and transactions are eliminated in consolidation.  Amounts in the prior periods' consolidated financial statements are reclassified whenever necessary to conform to 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.  In the opinion of management, all adjustments (consisting of normal recurring adjustments) and disclosures necessary for the fair presentation of the accompanying consolidated financial statements have been included.
	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 Account Pronouncements
	In January 2014, the FASB issued ASU 2014-04, an amendment to Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40), Reclassification of Collateralized Mortgage Loans upon a Troubled Debt Restructuring.  The objective of this ASU is to clarify when an in substance repossession or foreclosure occurs, that is, when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, such that all or a portion of the loan should be derecognized and the real estate property recognized.  The main provisions would also require additional disclosures regarding the amount of foreclosed residential real estate property held by the creditor and the recorded investments of consumer mortgage loans that are in the process of foreclosure at each interim and annual reporting period.  This ASU became effective for the Corporation in fiscal years and interim periods within those years, beginning after December 15, 2014.  The Corporation has adopted this guidance for the reporting periods after December 15, 2014 and did not have a material impact on its financial statements.
	In May 2014, the FASB issued ASU 2014-09, an amendment to Revenue from Contracts with Customers (Topic 606). The objective of the ASU is to align the recognition of revenue with the transfer of promised goods or services provided to customers in an amount that reflects the consideration which the entity expects to be entitled in exchange for those goods or services.  The amendments in this ASU are effective for annual reported period beginning after December 15, 2016, including interim periods within that reporting period.  The standard allows an entity to apply the amendments in the ASU using either the retrospective or cumulative effect transition method.  The Corporation is evaluating the potential impact on the Corporation’s financial statements.
	In April 2015, the FASB issued ASU 2015-03, Simplifying the Presentation of Debt Issuance Costs. Under ASU 2015-03 the Corporation will present debt issuance costs in the balance sheet as a reduction from the related debt liability rather than as an asset. Amortization of such costs will continue to be reported as interest expense. ASU 2015-03 will be effective for the Corporation beginning January 1, 2016, though early adoption is permitted. Retrospective adoption is required. The Corporation is evaluating the potential impact on the Corporation’s financial statements.

EARNING_PER_COMMON_SHARE

EARNING PER COMMON SHARE	3 Months Ended
	Mar. 31, 2015
EARNING PER COMMON SHARE [Abstract]
EARNING PER COMMON SHARE	NOTE 2                                        EARNING PER COMMON SHARE (shares in thousands)
	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 non-forfeitable 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 4,707 and 4,677 weighted average shares outstanding for the three-month periods ended March 31, 2015 and 2014, respectively.  There were no dilutive common stock equivalents during the three-month periods ended March 31, 2015 or 2014.

SECURITIES

SECURITIES	3 Months Ended
	Mar. 31, 2015
SECURITIES [Abstract]
SECURITIES	NOTE 3                                        SECURITIES
	Amortized cost and estimated fair value of securities available for sale are as follows (in thousands):
			31-Mar-15
			Amortized Cost			Unrealized Gains				Unrealized Losses			Estimated Fair Value
	Obligations of U.S. Government and U.S.Government sponsored enterprises		$	168,426		$	2,021			$	-		$	170,447
	Mortgage-backed securities, residential			57,951			1,231				-			59,182
	Collateralized mortgage obligations			229			2				-			231
	Obligations of states and political subdivisions			30,356			808				12			31,152
	Corporate bonds and notes			1,500			28				-			1,528
	SBA loan pools			1,253			10				3			1,260
	Trust Preferred securities			1,908			116				-			2,024
	Corporate stocks			285			198				-			483
	Total		$	261,908		$	4,414			$	15		$	266,307
			31-Dec-14
			Amortized Cost			Unrealized Gains				Unrealized Losses			Estimated Fair Value
	Obligations of U.S. Government and U.S. Government sponsored enterprises		$	180,535		$	1,300			$	162		$	181,673
	Mortgage-backed securities, residential			60,787			892				19			61,660
	Collateralized mortgage obligations			335			3				-			338
	Obligations of states and political subdivisions			30,677			802				28			31,451
	Corporate bonds and notes			1,502			35				4			1,533
	SBA loan pools			1,296			11				3			1,304
	Trust preferred securities			1,906			122				-			2,028
	Corporate stocks			285			235				-			520
	Total		$	277,323		$	3,400			$	216		$	280,507
	Amortized cost and estimated fair value of securities held to maturity are as follows (in thousands):
		31-Mar-15
		Amortized Cost			Unrealized Gains				Unrealized Losses			Estimated Fair Value
	Obligations of states and political subdivisions		$	5,253		$	379			$	-		$	5,632
	Time deposits with other financial institutions			440			4				-			444
	Total		$	5,693		$	383			$	-		$	6,076
		31-Dec-14
		Amortized Cost			Unrealized Gains				Unrealized Losses			Estimated Fair Value
	Obligations of states and political subdivisions		$	5,175		$	360			$	-		$	5,535
	Time deposits with other financial institutions			656			6				-			662
	Total		$	5,831		$	366			$	-		$	6,197
	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 (in thousands):
			31-Mar-15
			Available for Sale							Held to Maturity
			Amortized			Fair				Amortized			Fair
			Cost			Value				Cost			Value
	Within one year		$	33,780		$	34,151			$	2,639		$	2,667
	After one, but within five years			162,966			165,245				2,051			2,243
	After five, but within ten years			5,444			5,755				1,003			1,166
	After ten years			-			-				-			-
				202,190			205,151				5,693			6,076
	Mortgage-backed securities, residential			57,951			59,182				-			-
	Collateralized mortgage obligations			229			231				-			-
	SBA loan pools			1,253			1,260				-			-
	Total		$	261,623		$	265,824			$	5,693		$	6,076
	The proceeds from sales and calls of securities resulting in gains or losses as of March 31, 2015 and 2014 are listed below (in thousands):
			2015			2014
	Proceeds		$	51		$	-
	Gross gains		$	50		$	-
	Tax expense		$	19		$	-
	The following tables summarize the investment securities available for sale with unrealized losses at March 31, 2015 and December 31, 2014 by aggregated major security type and length of time in a continuous unrealized loss position (in thousands):
		Less than 12 months							12 months or longer						Total
	31-Mar-15	Fair Value			Unrealized Losses				Fair Value			Unrealized Losses			Fair Value			Unrealized Losses
	Obligations of states and political subdivisions		$	1,850		$	10			$	740		$	2		$	2,590		$	12
	SBA loan pools			-			-				579			3			579			3
	Total temporarily impaired securities		$	1,850		$	10			$	1,319		$	5		$	3,169		$	15
			Less than 12 months							12 months or longer						Total
	31-Dec-14		Fair Value			Unrealized Losses				Fair Value			Unrealized Losses			Fair Value			Unrealized Losses
	Obligations of U.S. Government and U.S. Government sponsored enterprises		$	57,512		$	108			$	4,945		$	54		$	62,457		$	162
	Mortgage-backed securities,residential			11,051			19				-			-			11,051			19
Obligations of states and political subdivisions			4,625			22				1,056			6			5,681			28
Corporate bonds and notes			-			-				243			4			243			4
Corporate stocks			276			1				316			2			592			3
Total temporarily impaired securities		$	73,464		$	150			$	6,560		$	66		$	80,024		$	216
Other-Than-Temporary Impairment
As of March 31, 2015, the majority of the Corporation's unrealized losses in the investment securities portfolio related to obligations of states and political subdivisions.  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, 2015.
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 $500 thousand 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 ended March 31, 2015 and 2014 (in thousands):
		2015			2014
Beginning balance, January 1,		$	-		$	1,939
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 Corporation intends to sell or that it will be more likely than not that the Corporation 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,		$	-		$	-

LOANS_AND_ALLOWANCE_FOR_LOAN_L

LOANS AND ALLOWANCE FOR LOAN LOSSES	3 Months Ended
	Mar. 31, 2015
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 (in thousands):
			March 31,				31-Dec-14
			2015
	Commercial and agricultural:
	Commercial and industrial		$	170,677			$	165,385
	Agricultural			1,155				1,021
	Commercial mortgages:
	Construction			49,392				54,831
	Commercial mortgages			430,993				397,762
	Residential mortgages			198,628				196,809
	Consumer loans:
	Credit cards			1,526				1,654
	Home equity lines and loans			98,706				99,354
	Indirect consumer loans			173,722				184,763
	Direct consumer loans			18,773				19,995
	Total loans, net of deferred loan fees		$	1,143,572			$	1,121,574
	Interest receivable on loans			2,673				2,780
	Total recorded investment in loans		$	1,146,245			$	1,124,354
	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, 2015 and 2014 (in thousands):
			Three Months Ended
			31-Mar-15
	Allowance for loan losses		Commercial and Agricultural				Commercial Mortgages				Residential Mortgages				Consumer Loans				Total
	Beginning balance:		$	1,460			$	6,326			$	1,572			$	4,328			$	13,686
	Charge-offs:			-				-				(21	)			(369	)			(390	)
	Recoveries:			15				67				-				124				206
	Net recoveries (charge-offs)			15				67				(21	)			(245	)			(184	)
	Provision			196				137				43				14				390
	Ending balance		$	1,671			$	6,530			$	1,594			$	4,097			$	13,892
			Three Months Ended
			31-Mar-14
	Allowance for loan losses		Commercial and Agricultural				Commercial Mortgages				Residential Mortgages				Consumer Loans				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
	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, 2015 and December 31, 2014 (in thousands):
		31-Mar-15
	Allowance for loan losses	Commercial and Agricultural				Commercial Mortgages				Residential Mortgages				Consumer Loans				Total
	Ending allowance balance attributable to loans:
	Individually evaluated for impairment		$	301			$	1,280			$	-			$	-			$	1,581
	Collectively evaluated for impairment			1,370				5,214				1,572				4,097				12,253
	Loans acquired with deteriorated credit quality			-				36				22				-				58
	Total ending allowance balance		$	1,671			$	6,530			$	1,594			$	4,097			$	13,892
		31-Dec-14
	Allowance for loan losses	Commercial and Agricultural				Commercial Mortgages				Residential Mortgages				Consumer Loans				Total
	Ending allowance balance attributable to loans:
	Individually evaluated for impairment		$	89			$	1,145			$	-			$	1			$	1,235
	Collectively evaluated for impairment			1,335				5,145				1,550				4,327				12,357
	Loans acquired with deteriorated credit quality			36				36				22				-				94
	Total ending allowance balance		$	1,460			$	6,326			$	1,572			$	4,328			$	13,686
			31-Mar-15
	Loans:		Commercial and Agricultural				Commercial Mortgages				Residential Mortgages				Consumer Loans				Total
	Loans individually evaluated for impairment		$	1,973			$	13,767			$	249			$	483			$	16,472
	Loans collectively evaluated for  impairment			170,254				465,960				198,622				292,920				1,127,756
	Loans acquired with deteriorated credit quality			-				1,761				256				-				2,017
	Total ending loans balance		$	172,227			$	481,488			$	199,127			$	293,403			$	1,146,245
			31-Dec-14
	Loans:		Commercial and Agricultural				Commercial Mortgages				Residential Mortgages				Consumer Loans				Total
	Loans individually evaluated for impairment		$	1,452			$	13,712			$	254			$	486			$	15,904
	Loans collectively evaluated for  impairment			164,748				438,246				196,783				306,042				1,105,819
Loans acquired with deteriorated credit quality			620				1,761				250				-				2,631
Total ending loans balance		$	166,820			$	453,719			$	197,287			$	306,528			$	1,124,354
The following tables present loans individually evaluated for impairment recognized by class of loans as of March 31, 2015 and December 31, 2014, the average recorded investment and interest income recognized by class of loans as of the three-month periods ended March 31, 2015 and 2014 (in thousands):
		31-Mar-15												31-Dec-14
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		$	1,668			$	1,670			$	-			$	1,359			$	1,364		$	-
Commercial mortgages:
Construction			1,919				1,899				-				1,927				1,910			-
Commercial mortgages other			7,686				7,593				-				7,803				7,708			-
Residential mortgages			249				249				-				253				253			-
Consumer loans:
Home equity lines and loans			480				483				-				429				432			-
With an allowance recorded:
Commercial and agricultural:
Commercial and industrial			301				303				301				89				89			89
Commercial mortgages:
Commercial mortgages other			4,394				4,275				1,280				4,210				4,094			1,145
Consumer loans:
Home equity lines and loans			-				-				-				54				54			1
Total		$	16,697			$	16,472			$	1,581			$	16,124			$	15,904		$	1,235
		Three Months Ended March 31, 2015								Three Months Ended March 31, 2014
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		$	1,517			$	15			$	1,656			$	14
Commercial mortgages:
Construction			1,904				25				2,296				25
Commercial mortgages other			7,674				63				7,005				63
Residential mortgages			252				1				115				-
Consumer loans:
Home equity lines & loans			458				6				72				1
With an allowance recorded:
Commercial and agricultural:
Commercial and industrial			196				3				921				-
Commercial mortgages:
Commercial mortgages other			4,184				23				863				-
Consumer loans:
Home equity lines and loans			27				-				58				1
Total		$	16,212			$	136			$	12,986			$	104
-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, 2015 and December 31, 2014 (in thousands):
31-Mar-15		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		$	170,397			$	317			$	24			$	-			$	331		$	171,069
Agricultural			1,158				-				-				-				-			1,158
Commercial mortgages:
Construction			47,913				-				1,444				-				148			49,505
Commercial mortgages			424,367				536				-				1,761				5,319			431,983
Residential mortgages			193,684				1,482				-				256				3,705			199,127
Consumer loans:
Credit cards			1,505				13				8				-				-			1,526
Home equity lines and loans			97,626				672				-				-				655			98,953
Indirect consumer loans			172,573				1,266				-				-				249			174,088
Direct consumer loans			18,781				43				-				-				12			18,836
Total		$	1,128,004			$	4,329			$	1,476			$	2,017			$	10,419		$	1,146,245
(1)  Includes all loans on non-accrual status regardless of the number of days such loans were delinquent as of March 31, 2015.
31-Dec-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		$	164,109			$	756			$	-			$	620			$	312		$	165,797
Agricultural			1,023				-				-				-				-			1,023
Commercial mortgages:
Construction			53,371				-				1,446				-				150			54,967
Commercial mortgages			391,096				3,064				-				1,761				2,831			398,752
Residential mortgages			191,089				2,333				-				250				3,615			197,287
Consumer loans:
Credit cards			1,641				5				8				-				-			1,654
Home equity lines and loans			98,340				736				-				-				515			99,591
Indirect consumer loans			183,103				1,789				-				-				325			185,217
Direct consumer loans			19,988				48				-				-				30			20,066
Total		$	1,103,760			$	8,731			$	1,454			$	2,631			$	7,778		$	1,124,354
(1)  Includes all loans on non-accrual status regardless of the number of days such loans were delinquent as of December 31, 2014.
Troubled Debt Restructurings:
A modification of a loan may result in classification as a TDR when a borrower is experiencing financial difficulty and the modification constitutes a concession.  The Corporation offers various types of modifications which may involve a change in the schedule of payments, a reduction in the interest rate, an extension of the maturity date, extending the maturity date at an interest rate lower than the current market rate for new debt with similar risk, requesting additional collateral, releasing collateral for consideration, substituting or adding a new borrower or guarantor, a permanent reduction of the recorded investment in the loan or a permanent reduction of the interest on the loan.
As of March 31, 2015 and December 31, 2014, the Corporation has a recorded investment in TDRs of $10.0 million and $9.7 million, respectively.  There were specific reserves of $0.5 million and $0.3 million allocated for TDRs at March 31, 2015 and December 31, 2014, respectively.  As of March 31, 2015, TDRs totaling $9.1 million were accruing interest under the modified terms and $0.9 million were on non-accrual status.  As of December 31, 2014, TDRs totaling $8.7 million were accruing interest under the modified terms and $1.0 million were on non-accrual status.  The Corporation had committed additional amounts up to less than $0.1 million as of both March 31, 2015 and December 31, 2014, to customers with outstanding loans that are classified as TDRs.
During the three months ended March 31, 2015 and 2014, the terms of certain loans were modified as TDRs. 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 TDRs that occurred during the three months ended March 31, 2015 and 2014 (in thousands):
31-Mar-15	Number of Loans				Pre-Modification Outstanding Recorded Investment				Post-Modification Outstanding Recorded Investment
Troubled debt restructurings:
Commercial and agricultural:
Commercial and industrial			1			$	477			$	477
Total			1			$	477			$	477
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
The TDRs described above did not increase the allowance for loan losses and resulted in no charge-offs during the three months ended March 31, 2015.  The TDRs 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.
There were no payment defaults on any loans previously modified as TDRs during the three months ending March 31, 2015 or 2014, 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 residential mortgages, indirect and direct consumer loans, home equity lines and loans, and credit cards, 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, 2015 and December 31, 2014, the risk category of the recorded investment of loans by class of loans is as follows (in thousands):
		31-Mar-15
		Not Rated				Pass				Loans acquired with deteriorated credit quality				Special Mention				Substandard			Doubtful		Total
Commercial and agricultural:
Commercial and industrial		$	-			$	164,385			$	-			$	4,220			$	2,285		$	179	$	171,069
Agricultural			-				1,158				-				-				-			-		1,158
Commercial mortgages:
Construction			-				47,607				-				1,750				148			-		49,505
Commercial mortgages			-				403,633				1,761				9,021				13,368			4,200		431,983
Residential mortgages			195,166				-				256				-				3,705			-		199,127
Consumer loans
Credit cards			1,526				-				-				-				-			-		1,526
Home equity lines and loans			98,298				-				-				-				655			-		98,953
Indirect consumer loans			173,835				-				-				-				253			-		174,088
Direct consumer loans			18,824				-				-				-				12			-		18,836
Total		$	487,649			$	616,783			$	2,017			$	14,991			$	20,426		$	4,379	$	1,146,245
		31-Dec-14
		Not Rated				Pass				Loans acquired with deteriorated credit quality				Special Mention				Substandard			Doubtful		Total
Commercial and agricultural:
Commercial and industrial		$	-			$	158,140			$	620			$	3,695			$	3,306		$	36	$	165,797
Agricultural			-				1,023				-				-				-			-		1,023
Commercial mortgages:
Construction			-				51,525				-				3,292				150			-		54,967
Commercial mortgages			-				365,448				1,761				20,871				10,266			406		398,752
Residential mortgages			193,422				-				250				-				3,615			-		197,287
Consumer loans
Credit cards			1,654				-				-				-				-			-		1,654
Home equity lines and loans			99,076				-				-				-				515			-		99,591
Indirect consumer loans			184,940				-				-				-				277			-		185,217
Direct consumer loans			20,045				-				-				-				21			-		20,066
Total		$	499,137			$	576,136			$	2,631			$	14,991			$	20,426		$	442	$	1,124,354
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, 2015 and December 31, 2014 (in thousands):
	31-Mar-15
					Consumer Loans
	Residential Mortgages				Credit Card				Home Equity Lines and Loans				Indirect Consumer Loans				Other Direct Consumer Loans
Performing		$	195,422			$	1,526			$	98,298			$	173,839			$	18,824
Non-Performing			3,705				-				655				249				12
		$	199,127			$	1,526			$	98,953			$	174,088			$	18,836
	31-Dec-14
					Consumer Loans
	Residential Mortgages				Credit Card				Home Equity Lines and Loans				Indirect Consumer Loans				Other Direct Consumer Loans
Performing		$	193,672			$	1,654			$	99,076			$	184,892			$	20,036
Non-Performing			3,615				-				515				325				30
		$	197,287			$	1,654			$	99,591			$	185,217			$	20,066
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, 2015 to March 31, 2015 (in thousands):
		Balance at				Income Accretion				All Other Adjustments				Balance at
		31-Dec-14												March 31,
														2015
Contractually required principal and interest		$	3,621			$	-			$	(676	)		$	2,945
Contractual cash flows not expected to be collected (nonaccretable discount)			(570	)			-				(25	)			(595	)
Cash flows expected to be collected			3,051				-				(701	)			2,350
Interest component of expected cash flows (accretable yield)			(420	)			63				(24	)			(333	)
Fair value of loans acquired with deteriorating credit quality		$	2,631			$	63			$	(677	)		$	2,017

FAIR_VALUE

FAIR VALUE	3 Months Ended
	Mar. 31, 2015
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.
	OREO:  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 OREO are performed by certified general appraisers (commercial properties) or certified residential appraisers (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 (in thousands):
					Fair Value Measurement at March 31, 2015 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.Government sponsored enterprises	$	170,447		$	31,266		$	139,181	$	-
	Mortgage-backed securities, residential		59,182			-			59,182		-
	Collateralized mortgage obligations		231			-			231		-
	Obligations of states and political subdivisions		31,152			-			31,152		-
	Corporate bonds and notes		1,528			-			1,528		-
	SBA loan pools		1,260			-			1,260		-
	Trust Preferred securities		2,024			-			2,024		-
	Corporate stocks		483			55			428		-
	Total available for sale securities	$	266,307		$	31,321		$	234,986	$	-
	Trading assets	$	601		$	601		$	-	$	-
					Fair Value Measurement at December 31, 2014 Using
	Financial Assets:	Fair Value			Quoted Prices in Active Markets for Identical Assets (Level 1)			Significant Other Observable Inputs		Significant Unobservable Inputs
								(Level 2)		(Level 3)
	Obligations of U.S. Government and U.S.Government sponsored enterprises	$	181,673		$	31,115		$	150,558	$	-
	Mortgage-backed securities, residential		61,660			-			61,660		-
	Collateralized mortgage obligations		338			-			338		-
	Obligations of states and political subdivisions		31,451			-			31,451		-
	Corporate bonds and notes		1,533			-			1,533		-
	SBA loan pools		1,304			-			1,304		-
	Trust Preferred securities		2,028			-			2,028		-
	Corporate stocks		520			104			416		-
	Total available for sale securities	$	280,507		$	31,219		$	249,288	$	-
	Trading assets	$	549		$	549		$	-	$	-
	There were no transfers between Level 1 and Level 2 during the three-month period ending March 31, 2015 or the year ending December 31, 2014.
	Assets and liabilities measured at fair value on a non-recurring basis are summarized below (in thousands):
					Fair Value Measurement at March 31, 2015 Using
	Financial Assets:	Fair Value			Quoted Prices in Active Markets for Identical Assets			Significant Other Observable Inputs		Significant Unobservable Inputs
					(Level 1)			(Level 2)		(Level 3)
	Impaired Loans:
	Commercial mortgages:
	Commercial mortgages	$	2,993		$	-		$	-	$	2,993
	Total impaired loans	$	2,993		$	-		$	-	$	2,993
	Other real estate owned:
	Commercial mortgages:
	Commercial mortgages	$	2,496		$	-		$	-	$	2,496
	Residential mortgages		10			-			-		10
	Total other real estate owned, net	$	2,506		$	-		$	-	$	2,506
					Fair Value Measurement at December 31, 2014 Using
	Financial Assets:	Fair Value			Quoted Prices in Active Markets for Identical Assets			Significant Other Observable Inputs		Significant Unobservable Inputs
					(Level 1)			(Level 2)		(Level 3)
	Impaired Loans:
	Commercial mortgages:
	Commercial mortgages	$	3,593		$	-		$	-	$	3,593
	Consumer loans:
	Home equity lines and loans		52			-			-		52
	Total impaired loans	$	3,645		$	-		$	-	$	3,645
	Other real estate owned:
	Commercial mortgages:
Commercial mortgages	$	3,063		$	-		$	-	$	3,063
Consumer loans:
Home equity lines and loans		2			-			-		2
Total other real estate owned, net	$	3,065		$	-		$	-	$	3,065
The following table presents information related to Level 3 non-recurring fair value measurement at March 31, 2015 and December 31, 2014 (in thousands):
Description	Fair Value		Technique		Unobservable Inputs
	at March 31, 2015
Impaired loans	$	2,993	Third party appraisals			1	Management discount based on underlying collateral characteristics and market conditions
Other real estate owned	$	2,506	Third party appraisals			1	Estimated holding  period
						2	Estimated closing costs
Description	Fair Value at December 31, 2014		Technique		Unobservable Inputs
Impaired loans	$	3,645	Third party appraisals			1	Management discount based on underlying collateral characteristics and market conditions
Other real estate owned	$	3,065	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 $4.7 million with a valuation allowance of $1.6 million as of March 31, 2015, resulting in $653 thousand decrease in the provision for loan losses for the three-month period ended March 31, 2015.  Impaired loans had a principal balance of $4.9 million, with a valuation allowance of $1.2 million as of December 31, 2014, resulting in an increase of $232 thousand in the provision for loan losses for the year ending December 31, 2014.
OREO, which is measured by the lower of cost or fair value less costs to sell, had a net carrying amount of $2.5 million with no valuation allowance at March 31, 2015.  There were no write downs for the three–month period ending March 31, 2015.  OREO had a net carrying amount of $3.1 million at December 31, 2014.  The net carrying amount reflects the outstanding balance of $3.1 million, net of a valuation allowance of $2 thousand at December 31, 2014.
FAIR VALUE OF FINANCIAL INSTRUMENTS
The following methods and assumptions were used to estimate the fair value of each class of financial instruments:
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, 2015 and December 31, 2014.
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.
The carrying amounts and estimated fair values of other financial instruments, at March 31, 2015 and December 31, 2014, are as follows (in thousands):
	Fair Value Measurements at March 31, 2015 Using
Financial assets:	Carrying Amount			Quoted Prices			Significant Other Observable Inputs		Significant Unobservable Inputs		Estimated Fair Value (1)
				in Active Markets for Identical Assets (Level 1)			(Level 2)		(Level 3)
Cash and due from financial institutions	$	29,643		$	29,643		$	-	$	-	$	29,643
Interest-bearing deposits in other financial institutions		55,230			55,230			-		-		55,230
Trading assets		601			601			-		-		601
Securities available for sale		266,307			31,321			234,986		-		266,307
Securities held to maturity		5,693			-			6,076		-		6,076
FHLBNY and FRBNY stock		4,148			-			-		-		N/A
Loans, net		1,129,680			-			-		1,155,496		1,155,496
Loans held for sale		628			-			628		-		628
Accrued interest receivable		4,482			361			1,488		2,633		4,482
Financial liabilities:
Deposits:
Demand, savings, and insured money market accounts	$	1,180,179		$	1,180,179		$	-	$	-	$	1,180,179
Time deposits		187,951			-			188,436		-		188,436
Securities sold under agreements to repurchase		31,084			-			32,285		-		32,285
FHLBNY term advances		19,283			-			20,239		-		20,239
Accrued interest payable		225			17			208		-		225
(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, 2014 Using
Financial assets:	Carrying Amount			Quoted Prices			Significant Other Observable Inputs		Significant Unobservable Inputs		Estimated Fair Value (1)
				in Active Markets for Identical Assets			(Level 2)		(Level 3)
				(Level 1)
Cash and due from financial	$	28,130		$	28,130		$	-	$	-	$	28,130
institutions
Interest-bearing deposits in other financial institutions		1,033			1,033			-		-		1,033
Trading assets		549			549			-		-		549
Securities available for sale		280,507			31,219			249,288		-		280,507
Securities held to maturity		5,831			-			6,197		-		6,197
FHLBNY and FRBNY stock		5,535			-			-		-		N/A
Loans, net		1,107,888			-			-		1,135,590		1,135,590
Loans held for sale		665			-			665		-		665
Accrued interest receivable		4,185			145			1,295		2,745		4,185
Financial liabilities:
Deposits:
Demand, savings, and insured money market accounts	$	1,068,171		$	1,068,171		$	-	$	-	$	1,068,171
Time deposits		211,843			-			212,397		-		212,397
Securities sold under agreements to repurchase		29,652			-			30,853		-		30,853
FHLBNY overnight advances		30,830			-			30,832		-		30,832
FHLBNY term advances		19,310			-			20,235		-		20,235
Accrued interest payable		237			15			222		-		237
(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_ASSETS

GOODWILL AND INTANGIBLE ASSETS	3 Months Ended
	Mar. 31, 2015
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, 2015 and 2014 were as follows (in thousands):
			2015			2014
	Beginning of year		$	21,824		$	21,824
	Acquired goodwill			-			-
	End balance March 31,		$	21,824		$	21,824
	Acquired intangible assets were as follows at March 31, 2015 and December 31, 2014 (in thousands):
		At March 31, 2015						At December 31, 2014
		Balance Acquired			Accumulated Amortization			Balance Acquired			Accumulated Amortization
	Core deposit intangibles		$	5,975		$	3,491		$	5,975		$	3,279
	Other customer relationship intangibles			5,633			3,354			5,633			3,262
	Total		$	11,608		$	6,845		$	11,608		$	6,541
	Aggregate amortization expense was $0.3 million for the three-month periods ended March 31, 2015 and 2014, respectively.
	The remaining estimated aggregate amortization expense at March 31, 2015 is listed below (in thousands):
	Year		Estimated Expense
	2015		$	833
	2016			986
	2017			859
	2018			734
	2019			609
	2020 and thereafter			742
	Total		$	4,763

ACCUMULATED_OTHER_COMPREHENSIV

ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS	3 Months Ended
	Mar. 31, 2015
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 (in thousands):
		Unrealized Gains and Losses on Securities Available for Sale			Defined Benefit and Other Benefit Plans				Total
	Balance at January 1, 2015	$	1,960		$	(10,745	)		$	(8,785	)
	Other comprehensive income before reclassification		805			-				805
	Amounts reclassified from accumulated other		(31	)		224				193
	comprehensive income
	Net current period other comprehensive gain		774			224				998
	Balance at March 31, 2015	$	2,734		$	(10,521	)		$	(7,787	)
		Unrealized Gains and Losses on Securities Available for Sale			Defined Benefit and Other Benefit Plans				Total
	Balance at January 1, 2014	$	6,043		$	(5,888	)		$	155
	Other comprehensive income before		544			-				544
	reclassification
	Amounts reclassified from accumulated other		-			88				88
	comprehensive income
	Net current period other comprehensive gain		544			88				632
	Balance at March 31, 2014	$	6,587		$	(5,800	)		$	787
	The following is the reclassification out of accumulated other comprehensive income for the periods indicated (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
		2015			2014
	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		50			-		Net gains on securities transactions
	Tax effect		(19	)		-		Income tax expense
	Net of tax		31			-
	Amortization of defined pension plan
	and other benefit plan items:
	Prior service costs (a)		(22	)		(22	)	Pension and other employee benefits
	Actuarial losses (a)		383			165		Pension and other employee benefits
	Tax effect		(137	)		(55	)	Income tax expense
	Net of tax		224			88
	Total reclassification for the period, net of tax	$	224		$	88
	(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
	Mar. 31, 2015
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 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 following table lists the contractual amounts of financial instruments with off-balance sheet risk at March 31, 2015 and December 31, 2014 (in thousands):
		31-Mar-15						31-Dec-14
		Fixed Rate			Variable Rate			Fixed Rate			Variable Rate
	Commitments to make loans		$	27,618		$	10,415		$	23,756		$	11,082
	Unused lines of credit		$	1,120		$	177,007		$	812		$	185,235
	Standby letters of credit		$	-		$	17,053		$	-		$	16,747
	On March 26, 2015, the New York Surrogate’s Court for Chemung County entered an order approving two stipulations that discontinued litigation against the Wealth Management Group of the Bank and approved settlements of the litigations.  Under the terms of the settlements, the Bank agreed to pay the two parties $12.1 million, in total.  As of March 31, 2015 and December 31, 2014, the balance sheet included an accrual for legal settlement in the amount of $12.1 million and a receivable for insurance proceeds in the amount of $7.9 million.  Subsequent to March 31, 2015, all insurance proceeds were received and the approved settlements were paid.  The Corporation was appropriately reserved for these settlements as of December 31, 2014.
	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, 2015
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 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 (in thousands):
			Three Months Ended March 31,
			2015			2014
	Qualified Pension Plan
	Service cost, benefits earned during the period		$	354		$	271
	Interest cost on projected benefit obligation			457			435
	Expected return on plan assets			(823	)		(793	)
	Amortization of unrecognized transition obligation			-			-
	Amortization of unrecognized prior service cost			2			2
	Amortization of unrecognized net loss			368			160
	Net periodic pension cost		$	358		$	75
	Supplemental Pension Plan
	Service cost, benefits earned during the period		$	11		$	10
	Interest cost on projected benefit obligation			12			13
	Expected return on plan assets			-			-
	Amortization of unrecognized prior service cost			-			-
	Amortization of unrecognized net loss			13			5
	Net periodic supplemental pension cost		$	36		$	28
	Postretirement Plan, Medical and Life
	Service cost, benefits earned during the period		$	12		$	11
	Interest cost on projected benefit obligation			16			18
	Expected return on plan assets			-			-
	Amortization of unrecognized prior service cost			(24	)		(24	)
	Amortization of unrecognized net loss			2			-
	Net periodic postretirement, medical and life cost		$	6		$	5

SEGMENT_REPORTING

SEGMENT REPORTING	3 Months Ended
	Mar. 31, 2015
SEGMENT REPORTING [Abstract]
SEGMENT REPORTING	NOTE 10                          SEGMENT REPORTING
	The Corporation manages its operations through two primary business segments:  core banking and WMG.  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 WMG 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 (in thousands).
		Three Months Ended March 31, 2015
		Core Banking		WMG		Holding Company And Other			Consolidated Totals
	Net interest income	$	12,339	$	-	$	3		$	12,342
	Provision for loan losses		390		-		-			390
	Net interest income after provision for loan losses		11,949		-		3			11,952
	Other non-interest income		2,738		2,102		346			5,186
	Other non-interest expenses		12,148		1,304		284			13,736
	Income before income tax expense		2,539		798		65			3,402
	Income tax expense		815		302		9			1,126
	Segment net income	$	1,724	$	496	$	56		$	2,276
	Segment assets	$	1,578,386	$	4,707	$	1,679		$	1,584,772
		Three Months Ended March 31, 2014
		Core Banking		WMG		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 for loan losses		11,391		-		3			11,394
	Other non-interest income		2,888		1,883		193			4,964
	Other non-interest 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

STOCK_COMPENSATION

STOCK COMPENSATION	3 Months Ended
	Mar. 31, 2015
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 2015 and 2014, 9,673 and 8,385 shares, respectively, were re-issued from treasury to fund the stock component of directors' compensation.  An expense of $69 thousand and $56 thousand related to this compensation was recognized during the three-month periods ending March 31, 2015 and 2014, respectively.  This expense is accrued as shares are earned.
	Restricted Stock Plan
	Pursuant to the Corporation's Restricted Stock 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 for the three-month period ended March 31, 2015 is presented below:
		Shares			Weighted–Average Grant Date Fair Value
	Nonvested at January 1, 2015		26,428		$	27.92
	Granted		-		$	-
	Vested		(413	)	$	26.61
	Forfeited or cancelled		-		$	-
	Nonvested at March 31, 2015		26,015		$	27.94
	As of March 31, 2015, there was $666 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 3.75 years.  The total fair value of shares vested during the three-month period ended March 31, 2015 was $11 thousand.

SUMMARY_OF_SIGNIFICANT_ACCOUNT1

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	3 Months Ended
	Mar. 31, 2015
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Organization	Organization
	The Corporation, through its wholly owned subsidiaries, the Bank and CFS, 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 for interim financial information and pursuant to the requirements for reporting on Form 10-Q and Article 10 of Regulation S-X of the Securities Exchange Act of 1934.  These financial statements include the accounts of the Corporation and its subsidiaries, and all significant intercompany balances and transactions are eliminated in consolidation.  Amounts in the prior periods' consolidated financial statements are reclassified whenever necessary to conform to 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.  In the opinion of management, all adjustments (consisting of normal recurring adjustments) and disclosures necessary for the fair presentation of the accompanying consolidated financial statements have been included.
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 Account Pronouncements	Recent Account Pronouncements
	In January 2014, the FASB issued ASU 2014-04, an amendment to Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40), Reclassification of Collateralized Mortgage Loans upon a Troubled Debt Restructuring.  The objective of this ASU is to clarify when an in substance repossession or foreclosure occurs, that is, when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, such that all or a portion of the loan should be derecognized and the real estate property recognized.  The main provisions would also require additional disclosures regarding the amount of foreclosed residential real estate property held by the creditor and the recorded investments of consumer mortgage loans that are in the process of foreclosure at each interim and annual reporting period.  This ASU became effective for the Corporation in fiscal years and interim periods within those years, beginning after December 15, 2014.  The Corporation has adopted this guidance for the reporting periods after December 15, 2014 and did not have a material impact on its financial statements.
	In May 2014, the FASB issued ASU 2014-09, an amendment to Revenue from Contracts with Customers (Topic 606). The objective of the ASU is to align the recognition of revenue with the transfer of promised goods or services provided to customers in an amount that reflects the consideration which the entity expects to be entitled in exchange for those goods or services.  The amendments in this ASU are effective for annual reported period beginning after December 15, 2016, including interim periods within that reporting period.  The standard allows an entity to apply the amendments in the ASU using either the retrospective or cumulative effect transition method.  The Corporation is evaluating the potential impact on the Corporation’s financial statements.
	In April 2015, the FASB issued ASU 2015-03, Simplifying the Presentation of Debt Issuance Costs. Under ASU 2015-03 the Corporation will present debt issuance costs in the balance sheet as a reduction from the related debt liability rather than as an asset. Amortization of such costs will continue to be reported as interest expense. ASU 2015-03 will be effective for the Corporation beginning January 1, 2016, though early adoption is permitted. Retrospective adoption is required. The Corporation is evaluating the potential impact on the Corporation’s financial statements.

SECURITIES_Tables

SECURITIES (Tables)	3 Months Ended
	Mar. 31, 2015
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 (in thousands):
			31-Mar-15
			Amortized Cost			Unrealized Gains				Unrealized Losses			Estimated Fair Value
	Obligations of U.S. Government and U.S.Government sponsored enterprises		$	168,426		$	2,021			$	-		$	170,447
	Mortgage-backed securities, residential			57,951			1,231				-			59,182
	Collateralized mortgage obligations			229			2				-			231
	Obligations of states and political subdivisions			30,356			808				12			31,152
	Corporate bonds and notes			1,500			28				-			1,528
	SBA loan pools			1,253			10				3			1,260
	Trust Preferred securities			1,908			116				-			2,024
	Corporate stocks			285			198				-			483
	Total		$	261,908		$	4,414			$	15		$	266,307
			31-Dec-14
			Amortized Cost			Unrealized Gains				Unrealized Losses			Estimated Fair Value
	Obligations of U.S. Government and U.S. Government sponsored enterprises		$	180,535		$	1,300			$	162		$	181,673
	Mortgage-backed securities, residential			60,787			892				19			61,660
	Collateralized mortgage obligations			335			3				-			338
	Obligations of states and political subdivisions			30,677			802				28			31,451
	Corporate bonds and notes			1,502			35				4			1,533
	SBA loan pools			1,296			11				3			1,304
	Trust preferred securities			1,906			122				-			2,028
	Corporate stocks			285			235				-			520
	Total		$	277,323		$	3,400			$	216		$	280,507
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 (in thousands):
		31-Mar-15
		Amortized Cost			Unrealized Gains				Unrealized Losses			Estimated Fair Value
	Obligations of states and political subdivisions		$	5,253		$	379			$	-		$	5,632
	Time deposits with other financial institutions			440			4				-			444
	Total		$	5,693		$	383			$	-		$	6,076
		31-Dec-14
		Amortized Cost			Unrealized Gains				Unrealized Losses			Estimated Fair Value
	Obligations of states and political subdivisions		$	5,175		$	360			$	-		$	5,535
	Time deposits with other financial institutions			656			6				-			662
	Total		$	5,831		$	366			$	-		$	6,197
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 (in thousands):
			31-Mar-15
			Available for Sale							Held to Maturity
			Amortized			Fair				Amortized			Fair
			Cost			Value				Cost			Value
	Within one year		$	33,780		$	34,151			$	2,639		$	2,667
	After one, but within five years			162,966			165,245				2,051			2,243
	After five, but within ten years			5,444			5,755				1,003			1,166
	After ten years			-			-				-			-
				202,190			205,151				5,693			6,076
	Mortgage-backed securities, residential			57,951			59,182				-			-
	Collateralized mortgage obligations			229			231				-			-
	SBA loan pools			1,253			1,260				-			-
	Total		$	261,623		$	265,824			$	5,693		$	6,076
Proceeds from sales and calls of securities resulting in gains or losses	The proceeds from sales and calls of securities resulting in gains or losses as of March 31, 2015 and 2014 are listed below (in thousands):
			2015			2014
	Proceeds		$	51		$	-
	Gross gains		$	50		$	-
	Tax expense		$	19		$	-
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, 2015 and December 31, 2014 by aggregated major security type and length of time in a continuous unrealized loss position (in thousands):
		Less than 12 months							12 months or longer						Total
	31-Mar-15	Fair Value			Unrealized Losses				Fair Value			Unrealized Losses			Fair Value			Unrealized Losses
	Obligations of states and political subdivisions		$	1,850		$	10			$	740		$	2		$	2,590		$	12
	SBA loan pools			-			-				579			3			579			3
	Total temporarily impaired securities		$	1,850		$	10			$	1,319		$	5		$	3,169		$	15
			Less than 12 months							12 months or longer						Total
	31-Dec-14		Fair Value			Unrealized Losses				Fair Value			Unrealized Losses			Fair Value			Unrealized Losses
	Obligations of U.S. Government and U.S. Government sponsored enterprises		$	57,512		$	108			$	4,945		$	54		$	62,457		$	162
	Mortgage-backed securities,residential			11,051			19				-			-			11,051			19
	Obligations of states and political subdivisions			4,625			22				1,056			6			5,681			28
	Corporate bonds and notes			-			-				243			4			243			4
	Corporate stocks			276			1				316			2			592			3
	Total temporarily impaired securities		$	73,464		$	150			$	6,560		$	66		$	80,024		$	216
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 ended March 31, 2015 and 2014 (in thousands):
			2015			2014
	Beginning balance, January 1,		$	-		$	1,939
	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 Corporation intends to sell or that it will be more likely than not that the Corporation 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,		$	-		$	-

LOANS_AND_ALLOWANCE_FOR_LOAN_L1

LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)	3 Months Ended
	Mar. 31, 2015
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 (in thousands):
			March 31,				31-Dec-14
			2015
	Commercial and agricultural:
	Commercial and industrial		$	170,677			$	165,385
	Agricultural			1,155				1,021
	Commercial mortgages:
	Construction			49,392				54,831
	Commercial mortgages			430,993				397,762
	Residential mortgages			198,628				196,809
	Consumer loans:
	Credit cards			1,526				1,654
	Home equity lines and loans			98,706				99,354
	Indirect consumer loans			173,722				184,763
	Direct consumer loans			18,773				19,995
	Total loans, net of deferred loan fees		$	1,143,572			$	1,121,574
	Interest receivable on loans			2,673				2,780
	Total recorded investment in loans		$	1,146,245			$	1,124,354
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, 2015 and 2014 (in thousands):
			Three Months Ended
			31-Mar-15
	Allowance for loan losses		Commercial and Agricultural				Commercial Mortgages				Residential Mortgages				Consumer Loans				Total
	Beginning balance:		$	1,460			$	6,326			$	1,572			$	4,328			$	13,686
	Charge-offs:			-				-				(21	)			(369	)			(390	)
	Recoveries:			15				67				-				124				206
	Net recoveries (charge-offs)			15				67				(21	)			(245	)			(184	)
	Provision			196				137				43				14				390
	Ending balance		$	1,671			$	6,530			$	1,594			$	4,097			$	13,892
			Three Months Ended
			31-Mar-14
	Allowance for loan losses		Commercial and Agricultural				Commercial Mortgages				Residential Mortgages				Consumer Loans				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
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, 2015 and December 31, 2014 (in thousands):
		31-Mar-15
	Allowance for loan losses	Commercial and Agricultural				Commercial Mortgages				Residential Mortgages				Consumer Loans				Total
	Ending allowance balance attributable to loans:
	Individually evaluated for impairment		$	301			$	1,280			$	-			$	-			$	1,581
	Collectively evaluated for impairment			1,370				5,214				1,572				4,097				12,253
	Loans acquired with deteriorated credit quality			-				36				22				-				58
	Total ending allowance balance		$	1,671			$	6,530			$	1,594			$	4,097			$	13,892
		31-Dec-14
	Allowance for loan losses	Commercial and Agricultural				Commercial Mortgages				Residential Mortgages				Consumer Loans				Total
	Ending allowance balance attributable to loans:
	Individually evaluated for impairment		$	89			$	1,145			$	-			$	1			$	1,235
	Collectively evaluated for impairment			1,335				5,145				1,550				4,327				12,357
	Loans acquired with deteriorated credit quality			36				36				22				-				94
	Total ending allowance balance		$	1,460			$	6,326			$	1,572			$	4,328			$	13,686
			31-Mar-15
	Loans:		Commercial and Agricultural				Commercial Mortgages				Residential Mortgages				Consumer Loans				Total
	Loans individually evaluated for impairment		$	1,973			$	13,767			$	249			$	483			$	16,472
	Loans collectively evaluated for  impairment			170,254				465,960				198,622				292,920				1,127,756
	Loans acquired with deteriorated credit quality			-				1,761				256				-				2,017
	Total ending loans balance		$	172,227			$	481,488			$	199,127			$	293,403			$	1,146,245
			31-Dec-14
	Loans:		Commercial and Agricultural				Commercial Mortgages				Residential Mortgages				Consumer Loans				Total
	Loans individually evaluated for impairment		$	1,452			$	13,712			$	254			$	486			$	15,904
	Loans collectively evaluated for  impairment			164,748				438,246				196,783				306,042				1,105,819
	Loans acquired with deteriorated credit quality			620				1,761				250				-				2,631
	Total ending loans balance		$	166,820			$	453,719			$	197,287			$	306,528			$	1,124,354
Summary of impaired financing receivables	The following tables present loans individually evaluated for impairment recognized by class of loans as of March 31, 2015 and December 31, 2014, the average recorded investment and interest income recognized by class of loans as of the three-month periods ended March 31, 2015 and 2014 (in thousands):
			31-Mar-15												31-Dec-14
	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		$	1,668			$	1,670			$	-			$	1,359			$	1,364		$	-
	Commercial mortgages:
	Construction			1,919				1,899				-				1,927				1,910			-
	Commercial mortgages other			7,686				7,593				-				7,803				7,708			-
	Residential mortgages			249				249				-				253				253			-
	Consumer loans:
	Home equity lines and loans			480				483				-				429				432			-
	With an allowance recorded:
	Commercial and agricultural:
	Commercial and industrial			301				303				301				89				89			89
	Commercial mortgages:
	Commercial mortgages other			4,394				4,275				1,280				4,210				4,094			1,145
	Consumer loans:
	Home equity lines and loans			-				-				-				54				54			1
	Total		$	16,697			$	16,472			$	1,581			$	16,124			$	15,904		$	1,235
			Three Months Ended March 31, 2015								Three Months Ended March 31, 2014
	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		$	1,517			$	15			$	1,656			$	14
	Commercial mortgages:
	Construction			1,904				25				2,296				25
	Commercial mortgages other			7,674				63				7,005				63
	Residential mortgages			252				1				115				-
	Consumer loans:
	Home equity lines & loans			458				6				72				1
	With an allowance recorded:
	Commercial and agricultural:
	Commercial and industrial			196				3				921				-
	Commercial mortgages:
	Commercial mortgages other			4,184				23				863				-
	Consumer loans:
	Home equity lines and loans			27				-				58				1
	Total		$	16,212			$	136			$	12,986			$	104
	-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, 2015 and December 31, 2014 (in thousands):
	31-Mar-15		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		$	170,397			$	317			$	24			$	-			$	331		$	171,069
	Agricultural			1,158				-				-				-				-			1,158
	Commercial mortgages:
	Construction			47,913				-				1,444				-				148			49,505
	Commercial mortgages			424,367				536				-				1,761				5,319			431,983
	Residential mortgages			193,684				1,482				-				256				3,705			199,127
	Consumer loans:
	Credit cards			1,505				13				8				-				-			1,526
	Home equity lines and loans			97,626				672				-				-				655			98,953
	Indirect consumer loans			172,573				1,266				-				-				249			174,088
	Direct consumer loans			18,781				43				-				-				12			18,836
	Total		$	1,128,004			$	4,329			$	1,476			$	2,017			$	10,419		$	1,146,245
	(1)  Includes all loans on non-accrual status regardless of the number of days such loans were delinquent as of March 31, 2015.
	31-Dec-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		$	164,109			$	756			$	-			$	620			$	312		$	165,797
	Agricultural			1,023				-				-				-				-			1,023
	Commercial mortgages:
	Construction			53,371				-				1,446				-				150			54,967
	Commercial mortgages			391,096				3,064				-				1,761				2,831			398,752
	Residential mortgages			191,089				2,333				-				250				3,615			197,287
	Consumer loans:
	Credit cards			1,641				5				8				-				-			1,654
	Home equity lines and loans			98,340				736				-				-				515			99,591
	Indirect consumer loans			183,103				1,789				-				-				325			185,217
	Direct consumer loans			19,988				48				-				-				30			20,066
	Total		$	1,103,760			$	8,731			$	1,454			$	2,631			$	7,778		$	1,124,354
	(1)  Includes all loans on non-accrual status regardless of the number of days such loans were delinquent as of December 31, 2014.
Loans by class modified as troubled debt restructurings	The following table presents loans by class modified as TDRs that occurred during the three months ended March 31, 2015 and 2014 (in thousands):
	31-Mar-15	Number of Loans				Pre-Modification Outstanding Recorded Investment				Post-Modification Outstanding Recorded Investment
	Troubled debt restructurings:
	Commercial and agricultural:
	Commercial and industrial			1			$	477			$	477
	Total			1			$	477			$	477
	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
Risk category of the recorded investment of loans by class of loans	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, 2015 and December 31, 2014, the risk category of the recorded investment of loans by class of loans is as follows (in thousands):
			31-Mar-15
			Not Rated				Pass				Loans acquired with deteriorated credit quality				Special Mention				Substandard			Doubtful		Total
	Commercial and agricultural:
	Commercial and industrial		$	-			$	164,385			$	-			$	4,220			$	2,285		$	179	$	171,069
	Agricultural			-				1,158				-				-				-			-		1,158
	Commercial mortgages:
	Construction			-				47,607				-				1,750				148			-		49,505
	Commercial mortgages			-				403,633				1,761				9,021				13,368			4,200		431,983
	Residential mortgages			195,166				-				256				-				3,705			-		199,127
	Consumer loans
	Credit cards			1,526				-				-				-				-			-		1,526
	Home equity lines and loans			98,298				-				-				-				655			-		98,953
	Indirect consumer loans			173,835				-				-				-				253			-		174,088
	Direct consumer loans			18,824				-				-				-				12			-		18,836
	Total		$	487,649			$	616,783			$	2,017			$	14,991			$	20,426		$	4,379	$	1,146,245
			31-Dec-14
			Not Rated				Pass				Loans acquired with deteriorated credit quality				Special Mention				Substandard			Doubtful		Total
	Commercial and agricultural:
	Commercial and industrial		$	-			$	158,140			$	620			$	3,695			$	3,306		$	36	$	165,797
	Agricultural			-				1,023				-				-				-			-		1,023
	Commercial mortgages:
	Construction			-				51,525				-				3,292				150			-		54,967
	Commercial mortgages			-				365,448				1,761				20,871				10,266			406		398,752
	Residential mortgages			193,422				-				250				-				3,615			-		197,287
	Consumer loans
	Credit cards			1,654				-				-				-				-			-		1,654
	Home equity lines and loans			99,076				-				-				-				515			-		99,591
	Indirect consumer loans			184,940				-				-				-				277			-		185,217
	Direct consumer loans			20,045				-				-				-				21			-		20,066
	Total		$	499,137			$	576,136			$	2,631			$	14,991			$	20,426		$	442	$	1,124,354
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, 2015 and December 31, 2014 (in thousands):
		31-Mar-15
						Consumer Loans
		Residential Mortgages				Credit Card				Home Equity Lines and Loans				Indirect Consumer Loans				Other Direct Consumer Loans
	Performing		$	195,422			$	1,526			$	98,298			$	173,839			$	18,824
	Non-Performing			3,705				-				655				249				12
			$	199,127			$	1,526			$	98,953			$	174,088			$	18,836
		31-Dec-14
						Consumer Loans
		Residential Mortgages				Credit Card				Home Equity Lines and Loans				Indirect Consumer Loans				Other Direct Consumer Loans
	Performing		$	193,672			$	1,654			$	99,076			$	184,892			$	20,036
	Non-Performing			3,615				-				515				325				30
			$	197,287			$	1,654			$	99,591			$	185,217			$	20,066
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, 2015 to March 31, 2015 (in thousands):
			Balance at				Income Accretion				All Other Adjustments				Balance at
			31-Dec-14												March 31,
															2015
	Contractually required principal and interest		$	3,621			$	-			$	(676	)		$	2,945
	Contractual cash flows not expected to be collected (nonaccretable discount)			(570	)			-				(25	)			(595	)
	Cash flows expected to be collected			3,051				-				(701	)			2,350
	Interest component of expected cash flows (accretable yield)			(420	)			63				(24	)			(333	)
	Fair value of loans acquired with deteriorating credit quality		$	2,631			$	63			$	(677	)		$	2,017

FAIR_VALUE_Tables

FAIR VALUE (Tables)	3 Months Ended
	Mar. 31, 2015
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 (in thousands):
					Fair Value Measurement at March 31, 2015 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.Government sponsored enterprises	$	170,447		$	31,266		$	139,181	$	-
	Mortgage-backed securities, residential		59,182			-			59,182		-
	Collateralized mortgage obligations		231			-			231		-
	Obligations of states and political subdivisions		31,152			-			31,152		-
	Corporate bonds and notes		1,528			-			1,528		-
	SBA loan pools		1,260			-			1,260		-
	Trust Preferred securities		2,024			-			2,024		-
	Corporate stocks		483			55			428		-
	Total available for sale securities	$	266,307		$	31,321		$	234,986	$	-
	Trading assets	$	601		$	601		$	-	$	-
					Fair Value Measurement at December 31, 2014 Using
	Financial Assets:	Fair Value			Quoted Prices in Active Markets for Identical Assets (Level 1)			Significant Other Observable Inputs		Significant Unobservable Inputs
								(Level 2)		(Level 3)
	Obligations of U.S. Government and U.S.Government sponsored enterprises	$	181,673		$	31,115		$	150,558	$	-
	Mortgage-backed securities, residential		61,660			-			61,660		-
	Collateralized mortgage obligations		338			-			338		-
	Obligations of states and political subdivisions		31,451			-			31,451		-
	Corporate bonds and notes		1,533			-			1,533		-
	SBA loan pools		1,304			-			1,304		-
	Trust Preferred securities		2,028			-			2,028		-
	Corporate stocks		520			104			416		-
	Total available for sale securities	$	280,507		$	31,219		$	249,288	$	-
	Trading assets	$	549		$	549		$	-	$	-
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 (in thousands):
					Fair Value Measurement at March 31, 2015 Using
	Financial Assets:	Fair Value			Quoted Prices in Active Markets for Identical Assets			Significant Other Observable Inputs		Significant Unobservable Inputs
					(Level 1)			(Level 2)		(Level 3)
	Impaired Loans:
	Commercial mortgages:
	Commercial mortgages	$	2,993		$	-		$	-	$	2,993
	Total impaired loans	$	2,993		$	-		$	-	$	2,993
	Other real estate owned:
	Commercial mortgages:
	Commercial mortgages	$	2,496		$	-		$	-	$	2,496
	Residential mortgages		10			-			-		10
	Total other real estate owned, net	$	2,506		$	-		$	-	$	2,506
					Fair Value Measurement at December 31, 2014 Using
	Financial Assets:	Fair Value			Quoted Prices in Active Markets for Identical Assets			Significant Other Observable Inputs		Significant Unobservable Inputs
					(Level 1)			(Level 2)		(Level 3)
	Impaired Loans:
	Commercial mortgages:
	Commercial mortgages	$	3,593		$	-		$	-	$	3,593
	Consumer loans:
	Home equity lines and loans		52			-			-		52
	Total impaired loans	$	3,645		$	-		$	-	$	3,645
	Other real estate owned:
	Commercial mortgages:
	Commercial mortgages	$	3,063		$	-		$	-	$	3,063
	Consumer loans:
	Home equity lines and loans		2			-			-		2
	Total other real estate owned, net	$	3,065		$	-		$	-	$	3,065
Nonrecurring fair value measurement, valuation techniques	The following table presents information related to Level 3 non-recurring fair value measurement at March 31, 2015 and December 31, 2014 (in thousands):
	Description	Fair Value		Technique		Unobservable Inputs
		at March 31, 2015
	Impaired loans	$	2,993	Third party appraisals			1	Management discount based on underlying collateral characteristics and market conditions
	Other real estate owned	$	2,506	Third party appraisals			1	Estimated holding  period
							2	Estimated closing costs
	Description	Fair Value at December 31, 2014		Technique		Unobservable Inputs
	Impaired loans	$	3,645	Third party appraisals			1	Management discount based on underlying collateral characteristics and market conditions
	Other real estate owned	$	3,065	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, 2015 and December 31, 2014, are as follows (in thousands):
		Fair Value Measurements at March 31, 2015 Using
	Financial assets:	Carrying Amount			Quoted Prices			Significant Other Observable Inputs		Significant Unobservable Inputs		Estimated Fair Value (1)
					in Active Markets for Identical Assets (Level 1)			(Level 2)		(Level 3)
	Cash and due from financial institutions	$	29,643		$	29,643		$	-	$	-	$	29,643
	Interest-bearing deposits in other financial institutions		55,230			55,230			-		-		55,230
	Trading assets		601			601			-		-		601
	Securities available for sale		266,307			31,321			234,986		-		266,307
	Securities held to maturity		5,693			-			6,076		-		6,076
	FHLBNY and FRBNY stock		4,148			-			-		-		N/A
	Loans, net		1,129,680			-			-		1,155,496		1,155,496
	Loans held for sale		628			-			628		-		628
	Accrued interest receivable		4,482			361			1,488		2,633		4,482
	Financial liabilities:
	Deposits:
	Demand, savings, and insured money market accounts	$	1,180,179		$	1,180,179		$	-	$	-	$	1,180,179
	Time deposits		187,951			-			188,436		-		188,436
	Securities sold under agreements to repurchase		31,084			-			32,285		-		32,285
	FHLBNY term advances		19,283			-			20,239		-		20,239
	Accrued interest payable		225			17			208		-		225
	(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, 2014 Using
	Financial assets:	Carrying Amount			Quoted Prices			Significant Other Observable Inputs		Significant Unobservable Inputs		Estimated Fair Value (1)
					in Active Markets for Identical Assets			(Level 2)		(Level 3)
					(Level 1)
	Cash and due from financial	$	28,130		$	28,130		$	-	$	-	$	28,130
	institutions
	Interest-bearing deposits in other financial institutions		1,033			1,033			-		-		1,033
	Trading assets		549			549			-		-		549
	Securities available for sale		280,507			31,219			249,288		-		280,507
	Securities held to maturity		5,831			-			6,197		-		6,197
	FHLBNY and FRBNY stock		5,535			-			-		-		N/A
	Loans, net		1,107,888			-			-		1,135,590		1,135,590
	Loans held for sale		665			-			665		-		665
	Accrued interest receivable		4,185			145			1,295		2,745		4,185
	Financial liabilities:
	Deposits:
	Demand, savings, and insured money market accounts	$	1,068,171		$	1,068,171		$	-	$	-	$	1,068,171
	Time deposits		211,843			-			212,397		-		212,397
	Securities sold under agreements to repurchase		29,652			-			30,853		-		30,853
	FHLBNY overnight advances		30,830			-			30,832		-		30,832
	FHLBNY term advances		19,310			-			20,235		-		20,235
	Accrued interest payable		237			15			222		-		237
	(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
	Mar. 31, 2015
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, 2015 and 2014 were as follows (in thousands):
			2015			2014
	Beginning of year		$	21,824		$	21,824
	Acquired goodwill			-			-
	End 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, 2015 and December 31, 2014 (in thousands):
		At March 31, 2015						At December 31, 2014
		Balance Acquired			Accumulated Amortization			Balance Acquired			Accumulated Amortization
	Core deposit intangibles		$	5,975		$	3,491		$	5,975		$	3,279
	Other customer relationship intangibles			5,633			3,354			5,633			3,262
	Total		$	11,608		$	6,845		$	11,608		$	6,541
Schedule of expected amortization expense	The remaining estimated aggregate amortization expense at March 31, 2015 is listed below (in thousands):
	Year		Estimated Expense
	2015		$	833
	2016			986
	2017			859
	2018			734
	2019			609
	2020 and thereafter			742
	Total		$	4,763

ACCUMULATED_OTHER_COMPREHENSIV1

ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS (Tables)	3 Months Ended
	Mar. 31, 2015
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 (in thousands):
		Unrealized Gains and Losses on Securities Available for Sale			Defined Benefit and Other Benefit Plans				Total
	Balance at January 1, 2015	$	1,960		$	(10,745	)		$	(8,785	)
	Other comprehensive income before reclassification		805			-				805
	Amounts reclassified from accumulated other		(31	)		224				193
	comprehensive income
	Net current period other comprehensive gain		774			224				998
	Balance at March 31, 2015	$	2,734		$	(10,521	)		$	(7,787	)
		Unrealized Gains and Losses on Securities Available for Sale			Defined Benefit and Other Benefit Plans				Total
	Balance at January 1, 2014	$	6,043		$	(5,888	)		$	155
	Other comprehensive income before		544			-				544
	reclassification
	Amounts reclassified from accumulated other		-			88				88
	comprehensive income
	Net current period other comprehensive gain		544			88				632
	Balance at March 31, 2014	$	6,587		$	(5,800	)		$	787
Reclassification out of accumulated other comprehensive income	The following is the reclassification out of accumulated other comprehensive income for the periods indicated (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
		2015			2014
	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		50			-		Net gains on securities transactions
	Tax effect		(19	)		-		Income tax expense
	Net of tax		31			-
	Amortization of defined pension plan
	and other benefit plan items:
	Prior service costs (a)		(22	)		(22	)	Pension and other employee benefits
	Actuarial losses (a)		383			165		Pension and other employee benefits
	Tax effect		(137	)		(55	)	Income tax expense
	Net of tax		224			88
	Total reclassification for the period, net of tax	$	224		$	88
	(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 (Tables)	3 Months Ended
	Mar. 31, 2015
COMMITMENTS AND CONTINGENCIES [Abstract]
Contractual amounts of financial instruments with off-balance sheet risk	The following table lists the contractual amounts of financial instruments with off-balance sheet risk at March 31, 2015 and December 31, 2014 (in thousands):
		31-Mar-15						31-Dec-14
		Fixed Rate			Variable Rate			Fixed Rate			Variable Rate
	Commitments to make loans		$	27,618		$	10,415		$	23,756		$	11,082
	Unused lines of credit		$	1,120		$	177,007		$	812		$	185,235
	Standby letters of credit		$	-		$	17,053		$	-		$	16,747

COMPONENTS_OF_QUARTERLY_AND_YE1

COMPONENTS OF QUARTERLY AND YEAR TO DATE NET PERIODIC BENEFIT COSTS (Tables)	3 Months Ended
	Mar. 31, 2015
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 (in thousands):
		Three Months Ended March 31,
		2015			2014
	Qualified Pension Plan
	Service cost, benefits earned during the period	$	354		$	271
	Interest cost on projected benefit obligation		457			435
	Expected return on plan assets		(823	)		(793	)
	Amortization of unrecognized transition obligation		-			-
	Amortization of unrecognized prior service cost		2			2
	Amortization of unrecognized net loss		368			160
	Net periodic pension cost	$	358		$	75
	Supplemental Pension Plan
	Service cost, benefits earned during the period	$	11		$	10
	Interest cost on projected benefit obligation		12			13
	Expected return on plan assets		-			-
	Amortization of unrecognized prior service cost		-			-
	Amortization of unrecognized net loss		13			5
	Net periodic supplemental pension cost	$	36		$	28
	Postretirement Plan, Medical and Life
	Service cost, benefits earned during the period	$	12		$	11
	Interest cost on projected benefit obligation		16			18
	Expected return on plan assets		-			-
	Amortization of unrecognized prior service cost		(24	)		(24	)
	Amortization of unrecognized net loss		2			-
	Net periodic postretirement, medical and life cost	$	6		$	5

SEGMENT_REPORTING_Tables

SEGMENT REPORTING (Tables)	3 Months Ended
	Mar. 31, 2015
SEGMENT REPORTING [Abstract]
Summarized financial information showing reconciliation of segment net income loss and assets to consolidated results	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 (in thousands).
		Three Months Ended March 31, 2015
		Core Banking		WMG		Holding Company And Other			Consolidated Totals
	Net interest income	$	12,339	$	-	$	3		$	12,342
	Provision for loan losses		390		-		-			390
	Net interest income after provision for loan losses		11,949		-		3			11,952
	Other non-interest income		2,738		2,102		346			5,186
	Other non-interest expenses		12,148		1,304		284			13,736
	Income before income tax expense		2,539		798		65			3,402
	Income tax expense		815		302		9			1,126
	Segment net income	$	1,724	$	496	$	56		$	2,276
	Segment assets	$	1,578,386	$	4,707	$	1,679		$	1,584,772
		Three Months Ended March 31, 2014
		Core Banking		WMG		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 for loan losses		11,391		-		3			11,394
	Other non-interest income		2,888		1,883		193			4,964
	Other non-interest 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

STOCK_COMPENSATION_Tables

STOCK COMPENSATION (Tables)	3 Months Ended
	Mar. 31, 2015
STOCK COMPENSATION [Abstract]
Summary of restricted stock activity	A summary of restricted stock activity for the three-month period ended March 31, 2015 is presented below:
		Shares			Weighted–Average Grant Date Fair Value
	Nonvested at January 1, 2015		26,428		$	27.92
	Granted		-		$	-
	Vested		(413	)	$	26.61
	Forfeited or cancelled		-		$	-
	Nonvested at March 31, 2015		26,015		$	27.94

EARNING_PER_COMMON_SHARE_Detai

EARNING PER COMMON SHARE (Details)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
EARNING PER COMMON SHARE [Abstract]
Weighted average number of shares outstanding (in shares)	4,707	4,677
Dilutive common stock equivalents (in shares)	0	0

SECURITIES_SECURITIES_AVAILABL

SECURITIES, SECURITIES AVAILABLE FOR SALE (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2014
Amortized cost and estimated fair value of securities available for sale [Abstract]
Amortized Cost	$261,908		$277,323
Unrealized Gains	4,414		3,400
Unrealized Losses	15		216
Estimated Fair Value	266,307		280,507
Amortized Cost [Abstract]
Within one year	33,780
After one, but within five years	162,966
After five, but within ten years	5,444
After ten years	0
Total	202,190
Total	261,623
Fair Value [Abstract]
Within one year	34,151
After one, but within five years	165,245
After five, but within ten years	5,755
After ten years	0
Total	205,151
Total	265,824
Proceeds from sales and calls of securities resulting in gains or losses [Abstract]
Proceeds	51	0
Gross gains	50	0
Tax expense	19	0
Obligations of U.S. Government and U.S. Government Sponsored Enterprises [Member]
Amortized cost and estimated fair value of securities available for sale [Abstract]
Amortized Cost	168,426		180,535
Unrealized Gains	2,021		1,300
Unrealized Losses	0		162
Estimated Fair Value	170,447		181,673
Mortgage-Backed Securities, Residential [Member]
Amortized cost and estimated fair value of securities available for sale [Abstract]
Amortized Cost	57,951		60,787
Unrealized Gains	1,231		892
Unrealized Losses	0		19
Estimated Fair Value	59,182		61,660
Amortized Cost [Abstract]
Without Single Maturity Date	57,951
Fair Value [Abstract]
Without Single Maturity Date	59,182
Collateralized Mortgage Obligations [Member]
Amortized cost and estimated fair value of securities available for sale [Abstract]
Amortized Cost	229		335
Unrealized Gains	2		3
Unrealized Losses	0		0
Estimated Fair Value	231		338
Amortized Cost [Abstract]
Without Single Maturity Date	229
Fair Value [Abstract]
Without Single Maturity Date	231
Obligations of States and Political Subdivisions [Member]
Amortized cost and estimated fair value of securities available for sale [Abstract]
Amortized Cost	30,356		30,677
Unrealized Gains	808		802
Unrealized Losses	12		28
Estimated Fair Value	31,152		31,451
Corporate Bonds and Notes [Member]
Amortized cost and estimated fair value of securities available for sale [Abstract]
Amortized Cost	1,500		1,502
Unrealized Gains	28		35
Unrealized Losses	0		4
Estimated Fair Value	1,528		1,533
SBA Loans Pools [Member]
Amortized cost and estimated fair value of securities available for sale [Abstract]
Amortized Cost	1,253		1,296
Unrealized Gains	10		11
Unrealized Losses	3		3
Estimated Fair Value	1,260		1,304
Amortized Cost [Abstract]
Without Single Maturity Date	1,253
Fair Value [Abstract]
Without Single Maturity Date	1,260
Trust Preferred Securities [Member]
Amortized cost and estimated fair value of securities available for sale [Abstract]
Amortized Cost	1,908		1,906
Unrealized Gains	116		122
Unrealized Losses	0		0
Estimated Fair Value	2,024		2,028
Corporate Stocks [Member]
Amortized cost and estimated fair value of securities available for sale [Abstract]
Amortized Cost	285		285
Unrealized Gains	198		235
Unrealized Losses	0		0
Estimated Fair Value	$483		$520

SECURITIES_SECURITIES_HELD_TO_

SECURITIES, SECURITIES HELD TO MATURITY (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Amortized cost and estimated fair value of securities held to maturity [Abstract]
Amortized Cost	$5,693	$5,831
Unrealized Gains	383	366
Unrealized Losses	0	0
Estimated Fair Value	6,076	6,197
Amortized Cost [Abstract]
Within one year	2,639
After one, but within five years	2,051
After five, but within ten years	1,003
After ten years	0
Total	5,693
Amortized Cost	5,693	5,831
Fair Value [Abstract]
Within one year	2,667
After one, but within five years	2,243
After five, but within ten years	1,166
After ten years	0
Total	6,076
Fair Value	6,076	6,197
Obligations of States and Political Subdivisions [Member]
Amortized cost and estimated fair value of securities held to maturity [Abstract]
Amortized Cost	5,253	5,175
Unrealized Gains	379	360
Unrealized Losses	0	0
Estimated Fair Value	5,632	5,535
Amortized Cost [Abstract]
Amortized Cost	5,253	5,175
Fair Value [Abstract]
Fair Value	5,632	5,535
Time Deposits with Other Financial Institutions [Member]
Amortized cost and estimated fair value of securities held to maturity [Abstract]
Amortized Cost	440	656
Unrealized Gains	4	6
Unrealized Losses	0	0
Estimated Fair Value	444	662
Amortized Cost [Abstract]
Amortized Cost	440	656
Fair Value [Abstract]
Fair Value	444	662
Mortgage-Backed Securities, Residential [Member]
Amortized Cost [Abstract]
Without Single Maturity Date	0
Fair Value [Abstract]
Without Single Maturity Date	0
Collateralized Mortgage Obligations [Member]
Amortized Cost [Abstract]
Without Single Maturity Date	0
Fair Value [Abstract]
Without Single Maturity Date	0
SBA Loans Pools [Member]
Amortized Cost [Abstract]
Without Single Maturity Date	0
Fair Value [Abstract]
Without Single Maturity Date	$0

SECURITIES_INVESTMENT_SECURITI

SECURITIES, INVESTMENT SECURITIES AVAILABLE FOR SALE IN CONTINUOUS UNREALIZED LOSS POSITION (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Available-for-sale securities in a continuous unrealized loss position, fair value [Abstract]
Less than 12 months	$1,850	$73,464
12 months or longer	1,319	6,560
Total	3,169	80,024
Available-for-sale securities in a continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months	10	150
12 months or longer	5	66
Total	15	216
Obligations of U.S. Government and U.S. Government sponsored enterprises [Member]
Available-for-sale securities in a continuous unrealized loss position, fair value [Abstract]
Less than 12 months		57,512
12 months or longer		4,945
Total		62,457
Available-for-sale securities in a continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months		108
12 months or longer		54
Total		162
Mortgage-Backed Securities, Residential [Member]
Available-for-sale securities in a continuous unrealized loss position, fair value [Abstract]
Less than 12 months		11,051
12 months or longer		0
Total		11,051
Available-for-sale securities in a continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months		19
12 months or longer		0
Total		19
Obligations of States and Political Subdivisions [Member]
Available-for-sale securities in a continuous unrealized loss position, fair value [Abstract]
Less than 12 months	1,850	4,625
12 months or longer	740	1,056
Total	2,590	5,681
Available-for-sale securities in a continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months	10	22
12 months or longer	2	6
Total	12	28
Corporate Bonds and Notes [Member]
Available-for-sale securities in a continuous unrealized loss position, fair value [Abstract]
Less than 12 months		0
12 months or longer		243
Total		243
Available-for-sale securities in a continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months		0
12 months or longer		4
Total		4
SBA Loans Pools [Member]
Available-for-sale securities in a continuous unrealized loss position, fair value [Abstract]
Less than 12 months	0
12 months or longer	579
Total	579
Available-for-sale securities in a continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months	0
12 months or longer	3
Total	3
Corporate Stocks [Member]
Available-for-sale securities in a continuous unrealized loss position, fair value [Abstract]
Less than 12 months		276
12 months or longer		316
Total		592
Available-for-sale securities in a continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months		1
12 months or longer		2
Total		$3

SECURITIES_OTHER_THAN_TEMPORAR

SECURITIES, OTHER THAN TEMPORARY IMPAIRMENT (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Other than temporary impairment credit losses recognized in earnings [Roll Forward]
Beginning balance	$0	$1,939
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 Corporation intends to sell or that it will be more likely than not that the Corporation 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	0	-1,939
Increases to the amount related to the credit loss for which other-than-temporary impairment was previously recognized	0	0
Ending balance	0	0
Collateralized Debt Obligations [Member]
Additions/Subtractions [Abstract]
Income from liquidation of debt securities		$500

LOANS_AND_ALLOWANCE_FOR_LOAN_L2

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	$1,143,572	$1,121,574
Interest receivable on loans	2,673	2,780
Total	1,146,245	1,124,354
Commercial and Agricultural [Member]
Composition of loan portfolio [Abstract]
Total	172,227	166,820
Commercial and Industrial [Member]
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	170,677	165,385
Total	171,069	165,797
Agricultural [Member]
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	1,155	1,021
Total	1,158	1,023
Commercial Mortgages [Member]
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	430,993	397,762
Total	481,488	453,719
Commercial mortgages: Construction [Member]
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	49,392	54,831
Total	49,505	54,967
Residential mortgages [Member]
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	198,628	196,809
Total	199,127	197,287
Consumer Loans [Member]
Composition of loan portfolio [Abstract]
Total	293,403	306,528
Credit cards [Member]
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	1,526	1,654
Total	1,526	1,654
Home equity lines and loans [Member]
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	98,706	99,354
Total	98,953	99,591
Indirect consumer loans [Member]
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	173,722	184,763
Total	174,088	185,217
Direct consumer loans [Member]
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	18,773	19,995
Total	$18,836	$20,066

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, 2015	Mar. 31, 2014	Dec. 31, 2014
Allowance for loan losses, by portfolio segment [Roll Forward]
Beginning balance	$13,686	$12,776
Charge-offs	-390	-573
Recoveries	206	313
Net recoveries (charge-offs)	-184	-260
Provision	390	639
Ending balance	13,892	13,155
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	1,581		1,235
Collectively evaluated for impairment	12,253		12,357
Loans acquired with deteriorated credit quality	58		94
Total ending allowance balance	13,892		13,686
Loans [Abstract]
Loans individually evaluated for impairment	16,472		15,904
Loans collectively evaluated for impairment	1,127,756		1,105,819
Loans acquired with deteriorated credit quality	2,017		2,631
Total	1,146,245		1,124,354
Commercial and Agricultural [Member]
Allowance for loan losses, by portfolio segment [Roll Forward]
Beginning balance	1,460	1,979
Charge-offs	0	-55
Recoveries	15	92
Net recoveries (charge-offs)	15	37
Provision	196	-71
Ending balance	1,671	1,945
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	301		89
Collectively evaluated for impairment	1,370		1,335
Loans acquired with deteriorated credit quality	0		36
Total ending allowance balance	1,671		1,460
Loans [Abstract]
Loans individually evaluated for impairment	1,973		1,452
Loans collectively evaluated for impairment	170,254		164,748
Loans acquired with deteriorated credit quality	0		620
Total	172,227		166,820
Commercial Mortgages [Member]
Allowance for loan losses, by portfolio segment [Roll Forward]
Beginning balance	6,326	6,243
Charge-offs	0	-44
Recoveries	67	38
Net recoveries (charge-offs)	67	-6
Provision	137	247
Ending balance	6,530	6,484
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	1,280		1,145
Collectively evaluated for impairment	5,214		5,145
Loans acquired with deteriorated credit quality	36		36
Total ending allowance balance	6,530		6,326
Loans [Abstract]
Loans individually evaluated for impairment	13,767		13,712
Loans collectively evaluated for impairment	465,960		438,246
Loans acquired with deteriorated credit quality	1,761		1,761
Total	481,488		453,719
Residential Mortgages [Member]
Allowance for loan losses, by portfolio segment [Roll Forward]
Beginning balance	1,572	1,517
Charge-offs	-21	-7
Recoveries	0	0
Net recoveries (charge-offs)	-21	-7
Provision	43	42
Ending balance	1,594	1,552
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	1,572		1,550
Loans acquired with deteriorated credit quality	22		22
Total ending allowance balance	1,594		1,572
Loans [Abstract]
Loans individually evaluated for impairment	249		254
Loans collectively evaluated for impairment	198,622		196,783
Loans acquired with deteriorated credit quality	256		250
Total	199,127		197,287
Consumer Loans [Member]
Allowance for loan losses, by portfolio segment [Roll Forward]
Beginning balance	4,328	3,037
Charge-offs	-369	-467
Recoveries	124	183
Net recoveries (charge-offs)	-245	-284
Provision	14	421
Ending balance	4,097	3,174
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0		1
Collectively evaluated for impairment	4,097		4,327
Loans acquired with deteriorated credit quality	0		0
Total ending allowance balance	4,097		4,328
Loans [Abstract]
Loans individually evaluated for impairment	483		486
Loans collectively evaluated for impairment	292,920		306,042
Loans acquired with deteriorated credit quality	0		0
Total	$293,403		$306,528

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, 2015		Mar. 31, 2014		Dec. 31, 2014
Unpaid Principal Balance [Abstract]
Unpaid Principal Balance, Total	$16,697				$16,124
Recorded Investment [Abstract]
Recorded Investment, Total	16,472				15,904
Allowance for Loan Losses Allocated	1,581				1,235
Average Recorded Investment [Abstract]
Average Recorded Investment, Total	16,212		12,986
Interest Income, Accrual Method [Abstract]
Interest Income, Accrual Method, Total	136	[1]	104	[1]
Commercial and Industrial [Member]
Unpaid Principal Balance [Abstract]
With no related allowance, Unpaid Principal Balance	1,668				1,359
With related allowance, Unpaid Principal Balance	301				89
Recorded Investment [Abstract]
With no related allowance, Recorded Investment	1,670				1,364
With related allowance, Recorded Investment	303				89
Allowance for Loan Losses Allocated	301				89
Average Recorded Investment [Abstract]
With no related allowance, Average Recorded Investment	1,517		1,656
With related allowance, Average Recorded Investment	196		921
Interest Income, Accrual Method [Abstract]
With no related allowance, Interest Income, Accrual Method	15	[1]	14	[1]
With related allowance, Interest Income, Accrual Method	3	[1]	0	[1]
Commercial Mortgages [Member]
Average Recorded Investment [Abstract]
With no related allowance, Average Recorded Investment	7,674		7,005
With related allowance, Average Recorded Investment	4,184		863
Interest Income, Accrual Method [Abstract]
With no related allowance, Interest Income, Accrual Method	63	[1]	63	[1]
With related allowance, Interest Income, Accrual Method	23	[1]	0	[1]
Construction [Member]
Unpaid Principal Balance [Abstract]
With no related allowance, Unpaid Principal Balance	1,919				1,927
Recorded Investment [Abstract]
With no related allowance, Recorded Investment	1,899				1,910
Average Recorded Investment [Abstract]
With no related allowance, Average Recorded Investment	1,904		2,296
Interest Income, Accrual Method [Abstract]
With no related allowance, Interest Income, Accrual Method	25	[1]	25	[1]
Commercial mortgages other [Member]
Unpaid Principal Balance [Abstract]
With no related allowance, Unpaid Principal Balance	7,686				7,803
With related allowance, Unpaid Principal Balance	4,394				4,210
Recorded Investment [Abstract]
With no related allowance, Recorded Investment	7,593				7,708
With related allowance, Recorded Investment	4,275				4,094
Allowance for Loan Losses Allocated	1,280				1,145
Residential mortgages [Member]
Unpaid Principal Balance [Abstract]
With no related allowance, Unpaid Principal Balance	249				253
Recorded Investment [Abstract]
With no related allowance, Recorded Investment	249				253
Average Recorded Investment [Abstract]
With no related allowance, Average Recorded Investment	252		115
Interest Income, Accrual Method [Abstract]
With no related allowance, Interest Income, Accrual Method	1	[1]	0	[1]
Home Equity Lines and Loans [Member]
Unpaid Principal Balance [Abstract]
With no related allowance, Unpaid Principal Balance	480				429
With related allowance, Unpaid Principal Balance	0				54
Recorded Investment [Abstract]
With no related allowance, Recorded Investment	483				432
With related allowance, Recorded Investment	0				54
Allowance for Loan Losses Allocated	0				1
Average Recorded Investment [Abstract]
With no related allowance, Average Recorded Investment	458		72
With related allowance, Average Recorded Investment	27		58
Interest Income, Accrual Method [Abstract]
With no related allowance, Interest Income, Accrual Method	6	[1]	1	[1]
With related allowance, Interest Income, Accrual Method	$0	[1]	$1	[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, 2015		Dec. 31, 2014
In Thousands, unless otherwise specified
Aging of the recorded investment in loans past due [Abstract]
Current	$1,128,004		$1,103,760
30-89 Days Past Due	4,329		8,731
90 Days or more Past Due and accruing	1,476		1,454
Loans acquired with deteriorated credit quality	2,017		2,631
Non-Accrual	10,419	[1]	7,778	[2]
Total	1,146,245		1,124,354
Commercial and Agricultural [Member]
Aging of the recorded investment in loans past due [Abstract]
Loans acquired with deteriorated credit quality	0		620
Total	172,227		166,820
Commercial and Industrial [Member]
Aging of the recorded investment in loans past due [Abstract]
Current	170,397		164,109
30-89 Days Past Due	317		756
90 Days or more Past Due and accruing	24		0
Loans acquired with deteriorated credit quality	0		620
Non-Accrual	331	[1]	312	[2]
Total	171,069		165,797
Agricultural [Member]
Aging of the recorded investment in loans past due [Abstract]
Current	1,158		1,023
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	1,158		1,023
Commercial Mortgages [Member]
Aging of the recorded investment in loans past due [Abstract]
Loans acquired with deteriorated credit quality	1,761		1,761
Total	481,488		453,719
Construction [Member]
Aging of the recorded investment in loans past due [Abstract]
Current	47,913		53,371
30-89 Days Past Due	0		0
90 Days or more Past Due and accruing	1,444		1,446
Loans acquired with deteriorated credit quality	0		0
Non-Accrual	148	[1]	150	[2]
Total	49,505		54,967
Commercial mortgages [Member]
Aging of the recorded investment in loans past due [Abstract]
Current	424,367		391,096
30-89 Days Past Due	536		3,064
90 Days or more Past Due and accruing	0		0
Loans acquired with deteriorated credit quality	1,761		1,761
Non-Accrual	5,319	[1]	2,831	[2]
Total	431,983		398,752
Residential mortgages [Member]
Aging of the recorded investment in loans past due [Abstract]
Current	193,684		191,089
30-89 Days Past Due	1,482		2,333
90 Days or more Past Due and accruing	0		0
Loans acquired with deteriorated credit quality	256		250
Non-Accrual	3,705	[1]	3,615	[2]
Total	199,127		197,287
Consumer Loans [Member]
Aging of the recorded investment in loans past due [Abstract]
Loans acquired with deteriorated credit quality	0		0
Total	293,403		306,528
Credit cards [Member]
Aging of the recorded investment in loans past due [Abstract]
Current	1,505		1,641
30-89 Days Past Due	13		5
90 Days or more Past Due and accruing	8		8
Loans acquired with deteriorated credit quality	0		0
Non-Accrual	0	[1]	0	[2]
Total	1,526		1,654
Home equity lines and loans [Member]
Aging of the recorded investment in loans past due [Abstract]
Current	97,626		98,340
30-89 Days Past Due	672		736
90 Days or more Past Due and accruing	0		0
Loans acquired with deteriorated credit quality	0		0
Non-Accrual	655	[1]	515	[2]
Total	98,953		99,591
Indirect consumer loans [Member]
Aging of the recorded investment in loans past due [Abstract]
Current	172,573		183,103
30-89 Days Past Due	1,266		1,789
90 Days or more Past Due and accruing	0		0
Loans acquired with deteriorated credit quality	0		0
Non-Accrual	249	[1]	325	[2]
Total	174,088		185,217
Direct consumer loans [Member]
Aging of the recorded investment in loans past due [Abstract]
Current	18,781		19,988
30-89 Days Past Due	43		48
90 Days or more Past Due and accruing	0		0
Loans acquired with deteriorated credit quality	0		0
Non-Accrual	12	[1]	30	[2]
Total	$18,836		$20,066
[1]	Includes all loans on non-accrual status regardless of the number of days such loans were delinquent as of March 31,2015.
[2]	Includes all loans on non-accrual status regardless of the number of days such loans were delinquent as of December 31, 2014.

LOANS_AND_ALLOWANCE_FOR_LOAN_L6

LOANS AND ALLOWANCE FOR LOAN LOSSES, TROUBLED DEBT RESTRUCTURING (Details) (USD $)	3 Months Ended
	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2014
	Loan	Loan
Troubled Debt Restructurings [Abstract]
Recorded investment in troubled debt restructurings	$10,000,000		$9,700,000
Troubled debt restructuring reserve	500,000		300,000
Troubled debt restructurings accruing interest under modified terms	9,100,000		8,700,000
Troubled debt restructurings on non-accrual status	900,000		1,000,000
Additional amounts committed to customers with loans classified as troubled debt restructurings	100,000		100,000
Loans by class modified as troubled debt restructurings [Abstract]
Number of Loans	1	3
Pre-Modification Outstanding Recorded Investment	477,000	870,000
Post-Modification Outstanding Recorded Investment	477,000	826,000
Increase in allowance for loan losses related to troubled debt restructurings	0	0
Troubled debt restructuring, charge offs	0	100,000
Number of days past due after which loan considered as payment default	90 days
Commercial and Industrial [Member]
Loans by class modified as troubled debt restructurings [Abstract]
Number of Loans	1	1
Pre-Modification Outstanding Recorded Investment	477,000	503,000
Post-Modification Outstanding Recorded Investment	477,000	503,000
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

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, 2015	Dec. 31, 2014
Finance receivable by credit quality indicator [Abstract]
Loans	$1,146,245	$1,124,354
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	18,836	20,066
Deteriorated Loans Transferred in [Abstract]
Contractually required principal and interest, opening balance	3,621
Contractually required principal and interest, income accretion	0
Contractually required principal and interest, all other adjustments	-676
Contractually required principal and interest, closing balance	2,945
Contractual cash flows not expected to be collected (nonaccretable discount), opening balance	-570
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	-25
Contractual cash flows not expected to be collected (nonaccretable discount), closing balance	-595
Cash flows expected to be collected, opening balance	3,051
Cash flows expected to be collected, income accretion	0
Cash flows expected to be collected, all other adjustments	-701
Cash flows expected to be collected, closing balance	2,350
Interest component of expected cash flows (accretable yield), opening balance	-420
Interest component of expected cash flows (accretable yield), income accretion	63
Interest component of expected cash flows (accretable yield), all other adjustments	-24
Interest component of expected cash flows (accretable yield), closing balance	-333
Fair value of loans acquired with deteriorating credit quality, opening balance	2,631
Fair value of loans acquired with deteriorating credit quality, income accretion	63
Fair value of loans acquired with deteriorating credit quality, all other adjustments	-677
Fair value of loans acquired with deteriorating credit quality, closing balance	2,017
Commercial and Agricultural [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	172,227	166,820
Commercial and Industrial [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	171,069	165,797
Agricultural [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	1,158	1,023
Commercial Mortgages [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	481,488	453,719
Construction [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	49,505	54,967
Commercial mortgages [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	431,983	398,752
Residential mortgages [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	199,127	197,287
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	199,127	197,287
Consumer Loans [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	293,403	306,528
Credit Cards [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	1,526	1,654
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	1,526	1,654
Home equity lines and loans [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	98,953	99,591
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	98,953	99,591
Indirect consumer loans [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	174,088	185,217
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	174,088	185,217
Direct consumer loans [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	18,836	20,066
Not Rated [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	487,649	499,137
Not Rated [Member] | Commercial and Industrial [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0
Not Rated [Member] | Agricultural [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0
Not Rated [Member] | Construction [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0
Not Rated [Member] | Commercial mortgages [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	195,166	193,422
Not Rated [Member] | Credit Cards [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	1,526	1,654
Not Rated [Member] | Home equity lines and loans [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	98,298	99,076
Not Rated [Member] | Indirect consumer loans [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	173,835	184,940
Not Rated [Member] | Direct consumer loans [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	18,824	20,045
Pass [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	616,783	576,136
Pass [Member] | Commercial and Industrial [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	164,385	158,140
Pass [Member] | Agricultural [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	1,158	1,023
Pass [Member] | Construction [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	47,607	51,525
Pass [Member] | Commercial mortgages [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	403,633	365,448
Pass [Member] | Residential mortgages [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0
Pass [Member] | Credit Cards [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0
Pass [Member] | Home equity lines and loans [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0
Pass [Member] | Indirect consumer loans [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0
Pass [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	2,017	2,631
Loans Acquired with Deteriorated Credit Quality [Member] | Commercial and Industrial [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	620
Loans Acquired with Deteriorated Credit Quality [Member] | Agricultural [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0
Loans Acquired with Deteriorated Credit Quality [Member] | Construction [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0
Loans Acquired with Deteriorated Credit Quality [Member] | Commercial mortgages [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	1,761	1,761
Loans Acquired with Deteriorated Credit Quality [Member] | Residential mortgages [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	256	250
Loans Acquired with Deteriorated Credit Quality [Member] | Credit Cards [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0
Loans Acquired with Deteriorated Credit Quality [Member] | Home equity lines and loans [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0
Loans Acquired with Deteriorated Credit Quality [Member] | Indirect consumer loans [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0
Loans Acquired with Deteriorated Credit Quality [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	14,991	27,858
Special Mention [Member] | Commercial and Industrial [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	4,220	3,695
Special Mention [Member] | Agricultural [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0
Special Mention [Member] | Construction [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	1,750	3,292
Special Mention [Member] | Commercial mortgages [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	9,021	20,871
Special Mention [Member] | Residential mortgages [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0
Special Mention [Member] | Credit Cards [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0
Special Mention [Member] | Home equity lines and loans [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0
Special Mention [Member] | Indirect consumer loans [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0
Special Mention [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	20,426	18,150
Substandard [Member] | Commercial and Industrial [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	2,285	3,306
Substandard [Member] | Agricultural [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0
Substandard [Member] | Construction [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	148	150
Substandard [Member] | Commercial mortgages [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	13,368	10,266
Substandard [Member] | Residential mortgages [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	3,705	3,615
Substandard [Member] | Credit Cards [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0
Substandard [Member] | Home equity lines and loans [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	655	515
Substandard [Member] | Indirect consumer loans [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	253	277
Substandard [Member] | Direct consumer loans [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	12	21
Doubtful [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	4,379	442
Doubtful [Member] | Commercial and Industrial [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	179	36
Doubtful [Member] | Agricultural [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0
Doubtful [Member] | Construction [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0
Doubtful [Member] | Commercial mortgages [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	4,200	406
Doubtful [Member] | Residential mortgages [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0
Doubtful [Member] | Credit Cards [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0
Doubtful [Member] | Home equity lines and loans [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0
Doubtful [Member] | Indirect consumer loans [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0
Doubtful [Member] | Direct consumer loans [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0
Performing [Member]
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	18,824	20,036
Performing [Member] | Residential mortgages [Member]
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	195,422	193,672
Performing [Member] | Credit Cards [Member]
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	1,526	1,654
Performing [Member] | Home equity lines and loans [Member]
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	98,298	99,076
Performing [Member] | Indirect consumer loans [Member]
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	173,839	184,892
Non-Performing [Member]
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	12	30
Non-Performing [Member] | Residential mortgages [Member]
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	3,705	3,615
Non-Performing [Member] | Credit Cards [Member]
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	0	0
Non-Performing [Member] | Home equity lines and loans [Member]
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	655	515
Non-Performing [Member] | Indirect consumer loans [Member]
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	$249	$325

FAIR_VALUE_Details

FAIR VALUE (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Financial Assets [Abstract]
Total available for sale securities	$266,307	$280,507
Trading assets	601	549
Other real estate owned [Member]
Consumer loans [Abstract]
Total other real estate owned, net		3,100
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Financial Assets [Abstract]
Total available for sale securities	31,321	31,219
Significant Other Observable Inputs (Level 2) [Member]
Financial Assets [Abstract]
Total available for sale securities	234,986	249,288
Significant Unobservable Inputs (Level 3) [Member]
Financial Assets [Abstract]
Total available for sale securities	0	0
Recurring [Member]
Financial Assets [Abstract]
Obligations of U.S. Government and U.S. Government sponsored enterprises	170,447	181,673
Mortgage-backed securities, residential	59,182	61,660
Collateralized mortgage obligations	231	338
Obligations of states and political subdivisions	31,152	31,451
Corporate bonds and notes	1,528	1,533
SBA loan pools	1,260	1,304
Trust Preferred securities	2,024	2,028
Corporate stocks	483	520
Total available for sale securities	266,307	280,507
Trading assets	601	549
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Financial Assets [Abstract]
Obligations of U.S. Government and U.S. Government sponsored enterprises	31,266	31,115
Mortgage-backed securities, residential	0	0
Collateralized mortgage obligations	0	0
Obligations of states and political subdivisions	0	0
Corporate bonds and notes	0	0
SBA loan pools	0	0
Trust Preferred securities	0	0
Corporate stocks	55	104
Total available for sale securities	31,321	31,219
Trading assets	601	549
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Financial Assets [Abstract]
Obligations of U.S. Government and U.S. Government sponsored enterprises	139,181	150,558
Mortgage-backed securities, residential	59,182	61,660
Collateralized mortgage obligations	231	338
Obligations of states and political subdivisions	31,152	31,451
Corporate bonds and notes	1,528	1,533
SBA loan pools	1,260	1,304
Trust Preferred securities	2,024	2,028
Corporate stocks	428	416
Total available for sale securities	234,986	249,288
Trading assets	0	0
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Financial Assets [Abstract]
Obligations of U.S. Government and U.S. Government sponsored enterprises	0	0
Mortgage-backed securities, residential	0	0
Collateralized mortgage obligations	0	0
Obligations of states and political subdivisions	0	0
Corporate bonds and notes	0	0
SBA loan pools	0	0
Trust Preferred securities	0	0
Corporate stocks	0	0
Total available for sale securities	0	0
Trading assets	0	0
Non-recurring [Member] | Impaired Loans [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Commercial mortgages	2,993	3,593
Consumer loans [Abstract]
Home equity lines and loans		52
Total impaired loans	2,993	3,645
Non-recurring [Member] | Other real estate owned [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Commercial mortgages	2,496	3,063
Residential mortgages	10
Consumer loans [Abstract]
Home equity lines and loans		2
Total other real estate owned, net	2,506	3,065
Non-recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired Loans [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Commercial mortgages	0	0
Consumer loans [Abstract]
Home equity lines and loans		0
Total impaired loans	0	0
Non-recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Other real estate owned [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Commercial mortgages	0	0
Residential mortgages	0
Consumer loans [Abstract]
Home equity lines and loans		0
Total other real estate owned, net	0	0
Non-recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Impaired Loans [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Commercial mortgages	0	0
Consumer loans [Abstract]
Home equity lines and loans		0
Total impaired loans	0	0
Non-recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Other real estate owned [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Commercial mortgages	0	0
Residential mortgages	0
Consumer loans [Abstract]
Home equity lines and loans		0
Total other real estate owned, net	0	0
Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Impaired Loans [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Commercial mortgages	2,993	3,593
Consumer loans [Abstract]
Home equity lines and loans		52
Total impaired loans	2,993	3,645
Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Other real estate owned [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Commercial mortgages	2,496	3,063
Residential mortgages	10
Consumer loans [Abstract]
Home equity lines and loans		2
Total other real estate owned, net	$2,506	$3,065

FAIR_VALUE_Quantitative_Inform

FAIR VALUE, Quantitative Information (Details) (USD $)	3 Months Ended		12 Months Ended
	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2014
Information related to Level 3 non-recurring fair value measurement [Abstract]
Impaired loan valuation allowance	$1,581,000		$1,235,000
Increase (decrease) in provision for loan losses	390,000	639,000
Write down of OREO	390,000	573,000
Impaired Loans [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Carrying amount of impaired loans	4,700,000		4,900,000
Impaired loan valuation allowance	1,600,000		1,200,000
Increase (decrease) in provision for loan losses	-653,000		232,000
Other Real Estate Owned [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Net carrying amount of OREO	2,500,000		3,100,000
Outstanding balance of OREO			3,100,000
Other real estate owned valuation allowance	0		2,000
Write down of OREO	0
Non-recurring [Member] | Other Real Estate Owned [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Outstanding balance of OREO	2,506,000		3,065,000
Non-recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Other Real Estate Owned [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Outstanding balance of OREO	0		0
Non-recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Other Real Estate Owned [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Outstanding balance of OREO	0		0
Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Other Real Estate Owned [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Outstanding balance of OREO	2,506,000		3,065,000
Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Third Party Appraisals [Member] | Impaired Loans [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Fair Value	2,993,000		3,645,000
Unobservable Input 1	Management discount based on underlying collateral characteristics and market conditions		Management discount based on underlying collateral characteristics and market conditions
Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Third Party Appraisals [Member] | Other Real Estate Owned [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Fair Value	$2,506,000		$3,065,000
Unobservable Input 1	Estimated holding period		Estimated holding period
Unobservable Input 2	Estimated closing costs		Estimated closing costs

FAIR_VALUE_Carrying_Amounts_an

FAIR VALUE, Carrying Amounts and Estimated Fair values of Other Financial Instruments (Details) (USD $)	Mar. 31, 2015		Dec. 31, 2014
In Thousands, unless otherwise specified
Financial Assets [Abstract]
Cash and due from financial institutions	$29,643		$28,130
Interest-bearing deposits in other financial institutions	55,230		1,033
Securities available for sale	266,307		280,507
Securities held to maturity	5,693		5,831
Loans, net	1,129,680		1,107,888
Loans held for sale	628		665
Accrued interest receivable	2,673		2,780
Deposits [Abstract]
Securities sold under agreements to repurchase	31,084		29,652
FHLBNY overnight advances	0		30,830
FHLBNY term advances	19,283		19,310
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Financial Assets [Abstract]
Cash and due from financial institutions	29,643		28,130
Interest-bearing deposits in other financial institutions	55,230		1,033
Trading assets	601		549
Securities available for sale	31,321		31,219
Securities held to maturity	0		0
FHLBNY and FRBNY stock	0		0
Loans, net	0		0
Loans held for sale	0		0
Accrued interest receivable	361		145
Deposits [Abstract]
Demand, savings, and insured money market accounts	1,180,179		1,068,171
Time deposits	0		0
Securities sold under agreements to repurchase	0		0
FHLBNY overnight advances			0
FHLBNY term advances	0		0
Accrued interest payable	17		15
Significant Other Observable Inputs (Level 2) [Member]
Financial Assets [Abstract]
Cash and due from financial institutions	0		0
Interest-bearing deposits in other financial institutions	0		0
Trading assets	0		0
Securities available for sale	234,986		249,288
Securities held to maturity	6,076		6,197
FHLBNY and FRBNY stock	0		0
Loans, net	0		0
Loans held for sale	628		665
Accrued interest receivable	1,488		1,295
Deposits [Abstract]
Demand, savings, and insured money market accounts	0		0
Time deposits	188,436		212,397
Securities sold under agreements to repurchase	32,285		30,853
FHLBNY overnight advances			30,832
FHLBNY term advances	20,239		20,235
Accrued interest payable	208		222
Significant Unobservable Inputs (Level 3) [Member]
Financial Assets [Abstract]
Cash and due from financial institutions	0		0
Interest-bearing deposits in other financial institutions	0		0
Trading assets	0		0
Securities available for sale	0		0
Securities held to maturity	0		0
FHLBNY and FRBNY stock	0		0
Loans, net	1,155,496		1,135,590
Loans held for sale	0		0
Accrued interest receivable	2,633		2,745
Deposits [Abstract]
Demand, savings, and insured money market accounts	0		0
Time deposits	0		0
Securities sold under agreements to repurchase	0		0
FHLBNY overnight advances			0
FHLBNY term advances	0		0
Accrued interest payable	0		0
Carrying Amount [Member]
Financial Assets [Abstract]
Cash and due from financial institutions	29,643		28,130
Interest-bearing deposits in other financial institutions	55,230		1,033
Trading assets	601		549
Securities available for sale	266,307		280,507
Securities held to maturity	5,693		5,831
FHLBNY and FRBNY stock	4,148		5,535
Loans, net	1,129,680		1,107,888
Loans held for sale	628		665
Accrued interest receivable	4,482		4,185
Deposits [Abstract]
Demand, savings, and insured money market accounts	1,180,179		1,068,171
Time deposits	187,951		211,843
Securities sold under agreements to repurchase	31,084		29,652
FHLBNY overnight advances			30,830
FHLBNY term advances	19,283		19,310
Accrued interest payable	225		237
Estimated Fair Value [Member]
Financial Assets [Abstract]
Cash and due from financial institutions	29,643	[1]	28,130	[1]
Interest-bearing deposits in other financial institutions	55,230	[1]	1,033	[1]
Trading assets	601	[1]	549	[1]
Securities available for sale	266,307	[1]	280,507	[1]
Securities held to maturity	6,076	[1]	6,197	[1]
Loans, net	1,155,496	[1]	1,135,590	[1]
Loans held for sale	628	[1]	665	[1]
Accrued interest receivable	4,482	[1]	4,185	[1]
Deposits [Abstract]
Demand, savings, and insured money market accounts	1,180,179	[1]	1,068,171	[1]
Time deposits	188,436	[1]	212,397	[1]
Securities sold under agreements to repurchase	32,285	[1]	30,853	[1]
FHLBNY overnight advances			30,832	[1]
FHLBNY term advances	20,239	[1]	20,235	[1]
Accrued interest payable	$225	[1]	$237	[1]
[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		12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2014
Goodwill [Roll Forward]
Beginning of year	$21,824	$21,824	$21,824
Acquired goodwill	0	0
Ending balance March 31,	21,824	21,824	21,824
Finite-lived intangible assets, net [Abstract]
Balance Acquired	11,608		11,608
Accumulated Amortization	6,845		6,541
Aggregate amortization expense	304	344
Finite-lived intangible assets, future amortization expense [Abstract]
2015	833
2016	986
2017	859
2018	734
2019	609
2020 and thereafter	742
Total	4,763
Core Deposit Intangibles [Member]
Finite-lived intangible assets, net [Abstract]
Balance Acquired	5,975		5,975
Accumulated Amortization	3,491		3,279
Other Customer Relationship Intangibles [Member]
Finite-lived intangible assets, net [Abstract]
Balance Acquired	5,633		5,633
Accumulated Amortization	$3,354		$3,262

ACCUMULATED_OTHER_COMPREHENSIV2

ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015		Mar. 31, 2014
Accumulated Other Comprehensive Income Loss Net Of Tax [Roll Forward]
Balance at beginning of period	($8,785)		$155
Other comprehensive income before reclassification	805		544
Amounts reclassified from accumulated other comprehensive income	193		88
Net current period other comprehensive gain	998		632
Balance at end of period	-7,787		787
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]
Net gains on securities transactions	50		0
Pension and other employee benefits	1,729		1,359
Income tax expense	-1,126		-951
Net of tax	2,276		2,064
Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]
Net of tax	224		88
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	1,960		6,043
Other comprehensive income before reclassification	805		544
Amounts reclassified from accumulated other comprehensive income	-31		0
Net current period other comprehensive gain	774		544
Balance at end of period	2,734		6,587
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 gains on securities transactions	50		0
Income tax expense	-19		0
Net of tax	31		0
Defined Benefit and Other Benefit Plans [Member]
Accumulated Other Comprehensive Income Loss Net Of Tax [Roll Forward]
Balance at beginning of period	-10,745		-5,888
Other comprehensive income before reclassification	0		0
Amounts reclassified from accumulated other comprehensive income	224		88
Net current period other comprehensive gain	224		88
Balance at end of period	-10,521		-5,800
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	-137		-55
Net of tax	224		88
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]	-22	[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	$383	[1]	$165	[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_1

COMMITMENTS AND CONTINGENCIES (Details) (USD $)	3 Months Ended
	Mar. 31, 2015	Dec. 31, 2014
	Proceeding
	Party
Settled Litigation [Member]
Loss Contingencies [Line Items]
Number of legal proceedings settled	2
Number of parties	2
Amount of litigation settlement	$12,100,000
Accrual for legal settlement	12,100,000	12,100,000
Receivable for insurance proceeds	7,900,000	7,900,000
Commitments to Make Loans [Member] | Fixed Rate [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance sheet contractual amounts of financial instruments	27,618,000	23,756,000
Commitments to Make Loans [Member] | Variable Rate [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance sheet contractual amounts of financial instruments	10,415,000	11,082,000
Unused Line of Credit [Member] | Fixed Rate [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance sheet contractual amounts of financial instruments	1,120,000	812,000
Unused Line of Credit [Member] | Variable Rate [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance sheet contractual amounts of financial instruments	177,007,000	185,235,000
Standby Letters of Credit [Member] | Fixed Rate [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance sheet contractual amounts of financial instruments	0	0
Standby Letters of Credit [Member] | Variable Rate [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance sheet contractual amounts of financial instruments	$17,053,000	$16,747,000

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, 2015	Mar. 31, 2014
Qualified Pension Plan [Member]
Defined Benefit Plan, Net Periodic Benefit Cost [Abstract]
Service cost, benefits earned during the period	$354	$271
Interest cost on projected benefit obligation	457	435
Expected return on plan assets	-823	-793
Amortization of unrecognized transition obligation	0	0
Amortization of unrecognized prior service cost	2	2
Amortization of unrecognized net loss	368	160
Net periodic benefit cost	358	75
Supplemental Pension Plan [Member]
Defined Benefit Plan, Net Periodic Benefit Cost [Abstract]
Service cost, benefits earned during the period	11	10
Interest cost on projected benefit obligation	12	13
Expected return on plan assets	0	0
Amortization of unrecognized prior service cost	0	0
Amortization of unrecognized net loss	13	5
Net periodic benefit cost	36	28
Postretirement Plan, Medical and Life [Member]
Defined Benefit Plan, Net Periodic Benefit Cost [Abstract]
Service cost, benefits earned during the period	12	11
Interest cost on projected benefit obligation	16	18
Expected return on plan assets	0	0
Amortization of unrecognized prior service cost	-24	-24
Amortization of unrecognized net loss	2	0
Net periodic benefit cost	$6	$5

SEGMENT_REPORTING_Details

SEGMENT REPORTING (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2014
	Segment
SEGMENT REPORTING [Abstract]
Number of primary business segment	2
Reportable segments and reconciliation to consolidated results [Abstract]
Net interest income	$12,342	$12,033
Provision for loan losses	390	639
Net interest income after provision for loan losses	11,952	11,394
Other non-interest income	5,186	4,964
Other non-interest expenses	13,736	13,343
Income before income tax expense	3,402	3,015
Income tax expense (benefit)	1,126	951
Net income	2,276	2,064
Segment assets	1,584,772	1,497,531	1,524,539
Holding Company and Other [Member]
Reportable segments and reconciliation to consolidated results [Abstract]
Net interest income	3	3
Provision for loan losses	0	0
Net interest income after provision for loan losses	3	3
Other non-interest income	346	193
Other non-interest expenses	284	213
Income before income tax expense	65	-17
Income tax expense (benefit)	9	-24
Net income	56	7
Segment assets	1,679	1,796
Operating Segments [Member] | Core Banking [Member]
Reportable segments and reconciliation to consolidated results [Abstract]
Net interest income	12,339	12,030
Provision for loan losses	390	639
Net interest income after provision for loan losses	11,949	11,391
Other non-interest income	2,738	2,888
Other non-interest expenses	12,148	11,812
Income before income tax expense	2,539	2,467
Income tax expense (benefit)	815	758
Net income	1,724	1,709
Segment assets	1,578,386	1,490,857
Operating Segments [Member] | 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 non-interest income	2,102	1,883
Other non-interest expenses	1,304	1,318
Income before income tax expense	798	565
Income tax expense (benefit)	302	217
Net income	496	348
Segment assets	$4,707	$4,878

STOCK_COMPENSATION_Details

STOCK COMPENSATION (Details) (USD $)	3 Months Ended
In Thousands, except Share data, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Restricted Stock [Member]
Shares [Roll Forward]
Nonvested, Beginning Balance (in shares)	26,428
Granted (in shares)	0
Vested (in shares)	-413
Forfeited or cancelled (in shares)	0
Nonvested, Ending Balance (in shares)	26,015
Weighted-Average Grant Date Fair Value [Roll Forward]
Nonvested, Beginning Balance (in dollars per share)	$27.92
Granted (in dollars per share)	$0
Vested (in dollars per share)	$26.61
Forfeitures or Cancelled (in dollars per share)	$0
Nonvested (in dollars per share)	$27.94
Total unrecognized compensation cost related to nonvested shares granted under the Plan	$666
Weighted-average period for recognition	3 years 9 months
Total fair value of shares vested	11
President and Chief Executive Officer [Member]
Deferred Compensation Arrangement with Individual, Share-based Payments [Line Items]
Service period	12 months
Directors and President and Chief Executive Officer [Member]
Deferred Compensation Arrangement with Individual, Share-based Payments [Line Items]
Number of treasury shares reissued to fund stock compensation (in shares)	9,673	8,385
Expenses related to stock based compensation recognized	$69	$56