Chemung Financial (CHMG) 10-Q 6 Nov 15 2015 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2015	Nov. 05, 2015
Document and Entity Information [Abstract]
Entity Registrant Name	CHEMUNG FINANCIAL CORP
Entity Central Index Key	763,563
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Document Type	10-Q
Document Period End Date	Sep. 30, 2015
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	Q3
Amendment Flag	false
Entity Common Stock, Shares Outstanding		4,661,226

CONSOLIDATED BALANCE SHEETS (UN

CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
ASSETS
Cash and due from financial institutions	$ 30,800	$ 28,130
Interest-bearing deposits in other financial institutions	44,449	1,033
Total cash and cash equivalents	75,249	29,163
Trading assets, at fair value	636	549
Securities available for sale, at estimated fair value	335,571	280,507
Securities held to maturity, estimated fair value of $4,897 at September 30, 2015 and $6,197 at December 31, 2014	4,604	5,831
FHLBNY and FRBNY Stock, at cost	4,171	5,535
Loans, net of deferred loan fees	1,141,937	1,121,574
Allowance for loan losses	(14,022)	(13,686)
Loans, net	1,127,915	1,107,888
Loans held for sale	316	665
Premises and equipment, net	30,023	32,287
Goodwill	21,824	21,824
Other intangible assets, net	4,201	5,067
Bank owned life insurance	2,820	2,764
Accrued interest receivable and other assets	24,309	32,459
Total assets	1,631,639	1,524,539
Deposits:
Non-interest-bearing	392,734	366,298
Interest-bearing	1,017,707	913,716
Total deposits	1,410,441	1,280,014
FHLBNY overnight advances	0	30,830
Securities sold under agreements to repurchase	30,358	29,652
FHLBNY term advances	19,230	19,310
Long term capital lease obligation	2,910	2,976
Dividends payable	1,211	1,204
Accrued interest payable and other liabilities	28,774	26,925
Total liabilities	1,492,924	1,390,911
Shareholders' equity:
Common stock, $0.01 par value per share, 10,000,000 shares authorized; 5,310,076 issued at September 30, 2015 and December 31, 2014	53	53
Additional-paid-in-capital	45,545	45,355
Retained earnings	118,057	114,383
Treasury stock, at cost; 652,599 shares at September 30, 2015 and 680,948 shares at December 31, 2014	(16,654)	(17,378)
Accumulated other comprehensive loss	(8,286)	(8,785)
Total shareholders' equity	138,715	133,628
Total liabilities and shareholders' equity	$ 1,631,639	$ 1,524,539

CONSOLIDATED BALANCE SHEETS (U3

CONSOLIDATED BALANCE SHEETS (UNAUDITED) (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
ASSETS
Securities held to maturity, estimated fair value	$ 4,897	$ 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)	652,599	680,948

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Interest and dividend income:
Loans, including fees	$ 12,114	$ 11,973	$ 36,113	$ 34,590
Taxable securities	1,237	1,122	3,490	3,889
Tax exempt securities	227	230	685	752
Interest-bearing deposits	17	16	60	59
Total interest and dividend income	13,595	13,341	40,348	39,290
Interest expense
Deposits	500	511	1,478	1,550
Securities sold under agreements to repurchase	213	214	634	634
Borrowed funds	191	190	556	572
Total interest expense	904	915	2,668	2,756
Net interest income	12,691	12,426	37,680	36,534
Provision for loan losses	307	589	956	2,330
Net interest income after provision for loan losses	12,384	11,837	36,724	34,204
Non-interest income:
WMG fee income	2,122	1,943	6,446	5,816
Service charges on deposit accounts	1,275	1,381	3,637	3,962
Net gains (losses) on securities transactions	(11)	0	291	522
Net gains on sales of loans held for sale	89	84	239	209
Net gains (losses) on sales of other real estate owned	0	4	120	(40)
Income from bank owned life insurance	19	20	56	59
Other	1,418	1,554	4,635	4,828
Total non-interest income	4,912	4,986	15,424	15,356
Non-interest expense:
Salaries and wages	5,135	5,344	15,423	15,653
Pension and other employee benefits	1,562	1,294	4,848	4,132
Net occupancy expenses	1,701	1,721	5,308	5,174
Furniture and equipment expenses	742	707	2,264	2,052
Data processing expense	1,751	1,488	4,864	4,383
Professional services	200	268	889	911
Legal settlements	0	4,250	0	4,250
Amortization of intangible assets	277	324	866	993
Marketing and advertising expenses	208	255	714	879
Other real estate owned expenses	79	22	387	154
FDIC insurance	277	271	843	814
Loan expense	212	269	527	564
Merger and acquisition related expenses	0	0	0	115
Other	1,490	1,550	4,260	4,611
Total non-interest expenses	13,634	17,763	41,193	44,685
Income (loss) before income tax expense	3,662	(940)	10,955	4,875
Income tax expense (benefit)	1,211	(621)	3,651	1,199
Net income (loss)	$ 2,451	$ (319)	$ 7,304	$ 3,676
Weighted average shares outstanding (in shares)	4,722	4,684	4,715	4,681
Basic and diluted earnings per share (in dollars per share)	$ 0.52	$ (0.07)	$ 1.55	$ 0.79

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Statement of Comprehensive Income [Abstract]
Net income (loss)	$ 2,451	$ (319)	$ 7,304	$ 3,676
Other comprehensive income (loss):
Unrealized holding gains (losses) on securities available for sale	968	(1,380)	4	635
Reclassification adjustment for (gains) losses realized in net income	11	0	(291)	(522)
Net unrealized gains (losses)	979	(1,380)	(287)	113
Tax effect	374	(531)	(116)	43
Net of tax amount	605	(849)	(171)	70
Change in funded status of defined benefit pension plan and other benefit plans:
Net gain (loss) arising during the period	0	0	0	0
Reclassification adjustment for amortization of prior service costs	(22)	(22)	(65)	(66)
Reclassification adjustment for amortization of net actuarial loss	384	169	1,151	499
Total before tax effect	362	147	1,086	433
Tax effect	139	60	416	170
Net of tax amount	223	87	670	263
Total other comprehensive income (loss)	828	(762)	499	333
Comprehensive income (loss)	$ 3,279	$ (1,081)	$ 7,803	$ 4,009

CONSOLIDATED STATEMENTS OF SHAR

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY (UNAUDITED) - USD ($) $ in Thousands		Total	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Treasury Stock [Member]	Accumulated Other Comprehensive Income (Loss) [Member]
Balances at Dec. 31, 2013		$ 138,578	$ 53	$ 45,399	$ 111,031	$ (18,060)	$ 155
Increase (Decrease) in Shareholders' Equity [Roll Forward]
Net income (loss)		3,676			3,676
Other comprehensive income		333					333
Restricted stock awards		112		112
Restricted stock units for directors' deferred compensation plan		71		71
Cash dividends declared		(3,602)			(3,602)
Distribution of shares of treasury stock for directors' compensation		273		59		214
Distribution of shares of treasury stock for employee restricted stock awards, net				(26)		26
Distribution of shares of treasury stock for employee stock compensation		117		25		92
Distribution of shares of treasury stock for deferred directors' compensation		3		(85)		88
Balances at Sep. 30, 2014		139,561	53	45,555	111,105	(17,640)	488
Balances at Jun. 30, 2014							1,250
Increase (Decrease) in Shareholders' Equity [Roll Forward]
Net income (loss)		(319)
Other comprehensive income		(762)					(762)
Balances at Sep. 30, 2014		139,561	53	45,555	111,105	(17,640)	488
Balances at Dec. 31, 2014		133,628	53	45,355	114,383	(17,378)	(8,785)
Increase (Decrease) in Shareholders' Equity [Roll Forward]
Net income (loss)		7,304			7,304
Other comprehensive income		499					499
Restricted stock awards		156		156
Restricted stock units for directors' deferred compensation plan		72		72
Cash dividends declared		(3,630)			(3,630)
Distribution of shares of treasury stock for directors' compensation		271		24		247
Distribution of shares of treasury stock for employee stock compensation		93		8		85
Sale of treasury stock	[1]	319		19		300
Distribution of shares of treasury stock for deferred directors' compensation		3		(89)		92
Balances at Sep. 30, 2015		138,715	53	45,545	118,057	(16,654)	(8,286)
Balances at Jun. 30, 2015							(9,114)
Increase (Decrease) in Shareholders' Equity [Roll Forward]
Net income (loss)		2,451
Other comprehensive income		828					828
Balances at Sep. 30, 2015		$ 138,715	$ 53	$ 45,545	$ 118,057	$ (16,654)	$ (8,286)
[1]	All treasury stock sales were completed at arm's length with the Chemung Canal Trust Company Profit Sharing, Savings, and Investment Plan, which is a defined contribution plan sponsored by the Bank.

CONSOLIDATED STATEMENTS OF SHA7

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY (UNAUDITED) (Parenthetical) - $ / shares	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014
Statement of Stockholders' Equity [Abstract]
Cash dividends declared (in dollars per share)	$ 0.78	$ 0.78
Distribution of shares of treasury stock for directors' compensation (in shares)	9,673	8,385
Distribution of shares of treasury stock for employee restricted stock awards (in shares)		990
Distribution of shares of treasury stock for employee stock compensation (in shares)	3,303	3,595
Sale of shares of treasury stock (in shares)	11,775
Distribution of shares of treasury stock for directors' deferred compensation (in shares)	3,598	3,467

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income (loss)	$ 2,451	$ (319)	$ 7,304	$ 3,676
Adjustments to reconcile net income to net cash provided by operating activities:
Amortization of intangible assets	277	324	866	993
Provision for loan losses	307	589	956	2,330
Gains on disposal of fixed assets			(13)	(7)
Depreciation and amortization of fixed assets			3,047	2,765
Amortization of premiums on securities, net			1,442	1,808
Gains on sales of loans held for sale, net	(89)	(84)	(239)	(209)
Proceeds from sales of loans held for sale			11,225	9,447
Loans originated and held for sale			(10,637)	(9,710)
Net (gains) losses on trading assets			25	(32)
Proceeds from sales of trading assets			0	7
Net gains on securities transactions	11	0	(291)	(522)
Net (gains) losses on sales of other real estate owned	0	(4)	(120)	40
Purchase of trading assets			(112)	(92)
Expense related to restricted stock units for directors' deferred compensation plan			72	71
Expense related to employee stock compensation			93	117
Expense related to restricted stock awards			156	112
Proceeds from bank owned life insurance			0	111
Income from bank owned life insurance	(19)	(20)	(56)	(59)
(Increase) decrease in other assets			7,581	(475)
Decrease in accrued interest payable			(30)	(61)
Increase (decrease) in other liabilities			(11,212)	2,077
Net cash provided by operating activities			10,057	12,387
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from sales and calls of securities available for sale			58,035	55,610
Proceeds from maturities and principal collected on securities available for sale			29,537	19,437
Proceeds from maturities and principal collected on securities held to maturity			3,022	3,022
Purchases of securities available for sale			(129,923)	(18,301)
Purchases of securities held to maturity			(1,795)	(1,957)
Purchase of FHLBNY and FRBNY stock			(6,158)	(1,103)
Redemption of FHLBNY and FRBNY stock			7,522	1,223
Proceeds from sale of equipment			13	7
Purchases of premises and equipment			(783)	(2,118)
Proceeds from sales of other real estate owned			699	284
Net increase in loans			(20,993)	(123,345)
Net cash used by investing activities			(60,824)	(67,241)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in demand deposits, interest-bearing demand accounts, savings accounts, and insured money market accounts			169,065	77,980
Net decrease in time deposits			(38,638)	(33,237)
Net increase (decrease) in securities sold under agreements to repurchase			706	(1,720)
Repayments of FHLBNY overnight advances, net			(30,830)	0
Repayments of FHLBNY long term advances			(80)	(1,157)
Payments made on capital lease			(66)	0
Sale of treasury stock			319	0
Cash dividends paid			(3,623)	(3,595)
Net cash provided by financing activities			96,853	38,271
Net increase (decrease) in cash and cash equivalents			46,086	(16,583)
Cash and cash equivalents, beginning of period			29,163	51,609	$ 51,609
Cash and cash equivalents, end of period	75,249	35,026	75,249	35,026	29,163
Cash paid for:
Interest			2,698	2,817
Income taxes			5,662	1,846
Supplemental disclosure of non-cash activity:
Transfer of loans to other real estate owned			10	3,074
Dividends declared, not yet paid	$ 1,211	$ 1,201	1,211	1,201	$ 1,204
Assets acquired through long term capital lease obligations			0	3,039
Securities traded, not yet settled			$ 14,151	$ 0

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	9 Months Ended
	Sep. 30, 2015
Accounting Policies [Abstract]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	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 Accounting Pronouncements There are no recently issued accounting pronouncements that the Corporation feels will have a material impact on its consolidated financial statements.

EARNING PER COMMON SHARE

EARNING PER COMMON SHARE	9 Months Ended
	Sep. 30, 2015
Earnings Per Share [Abstract]
EARNING PER COMMON SHARE	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 4,722 and 4,684 weighted average shares outstanding for the three month periods ended September 30, 2015 and 2014 , respectively. Earnings per share were computed by dividing net income by 4,715 and 4,681 weighted average shares outstanding for the nine month periods ended September 30, 2015 and 2014 , respectively. There were no dilutive common stock equivalents during the three and nine month periods ended September 30, 2015 or 2014 .

SECURITIES

SECURITIES	9 Months Ended
	Sep. 30, 2015
Investments, Debt and Equity Securities [Abstract]
SECURITIES	SECURITIES Amortized cost and estimated fair value of securities available for sale are as follows (in thousands): September 30, 2015 Amortized Cost Unrealized Gains Unrealized Losses Estimated Fair Value Obligations of U.S. Government and U.S. Government sponsored enterprises $ 124,565 $ 1,463 $ — $ 126,028 Mortgage-backed securities, residential 162,007 917 344 162,580 Obligations of states and political subdivisions 43,907 683 17 44,573 Corporate bonds and notes 1,247 13 — 1,260 SBA loan pools 663 7 1 669 Corporate stocks 285 176 — 461 Total $ 332,674 $ 3,259 $ 362 $ 335,571 December 31, 2014 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): September 30, 2015 Amortized Cost Unrealized Gains Unrealized Losses Estimated Fair Value Obligations of states and political subdivisions $ 4,409 $ 293 $ — $ 4,702 Time deposits with other financial institutions 195 — — 195 Total $ 4,604 $ 293 $ — $ 4,897 December 31, 2014 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): September 30, 2015 Available for Sale Held to Maturity Amortized Fair Amortized Fair Within one year $ 50,363 $ 50,779 $ 2,464 $ 2,505 After one, but within five years 95,370 96,694 1,924 2,143 After five, but within ten years 23,687 24,089 216 249 After ten years 299 299 — — 169,719 171,861 4,604 4,897 Mortgage-backed securities, residential 162,007 162,580 — — SBA loan pools 663 669 — — Total $ 332,389 $ 335,110 $ 4,604 $ 4,897 The proceeds from sales and calls of securities resulting in gains or losses for the three months ended September 30, 2015 and 2014 are listed below (in thousands): 2015 2014 Proceeds $ 2,936 $ 5,845 Gross gains $ 24 $ — Gross losses $ (35 ) $ — Tax benefit $ (5 ) $ — The proceeds from sales and calls of securities resulting in gains or losses for the nine months ended September 30, 2015 and 2014 are listed below (in thousands): 2015 2014 Proceeds $ 58,035 $ 55,610 Gross gains $ 326 $ 522 Gross losses $ (35 ) $ — Tax expense $ 111 $ 201 The following tables summarize the investment securities available for sale with unrealized losses at September 30, 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 September 30, 2015 Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized Mortgage-backed securities, residential $ 65,248 $ 344 $ — $ — $ 65,248 $ 344 Obligations of states and political subdivisions 4,545 15 921 2 5,466 17 SBA loan pools — — 257 1 257 1 Total temporarily impaired securities $ 69,793 $ 359 $ 1,178 $ 3 $ 70,971 $ 362 Less than 12 months 12 months or longer Total December 31, 2014 Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized 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 SBA loan pools 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 September 30, 2015 , the majority of the Corporation’s unrealized losses in the investment securities portfolio related to mortgage backed securities. Because the decline in fair value is attributable to changes in interest rates and not credit quality, and because it is not likely that the Corporation 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 September 30, 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. There were no cumulative credit losses recognized in earnings for the three month periods ended September 30, 2015 and 2014 . The table below presents a roll forward of the cumulative credit losses recognized in earnings for the nine month periods ended September 30, 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 — — Reductions for increase in cash flows expected to be collected that are — — Reductions for previous credit losses realized in securities liquidated during the — (1,939 ) Increases to the amount related to the credit loss for which other-than-temporary — — Ending balance, September 30, $ — $ —

LOANS AND ALLOWANCE FOR LOAN LO

LOANS AND ALLOWANCE FOR LOAN LOSSES	9 Months Ended
	Sep. 30, 2015
Loans and Leases Receivable Disclosure [Abstract]
LOANS AND ALLOWANCE FOR LOAN LOSSES	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): September 30, 2015 December 31, 2014 Commercial and agricultural: Commercial and industrial $ 175,098 $ 165,385 Agricultural 1,043 1,021 Commercial mortgages: Construction 45,579 54,831 Commercial mortgages, other 442,785 397,762 Residential mortgages 197,506 196,809 Consumer loans: Credit cards 1,423 1,654 Home equity lines and loans 102,085 99,354 Indirect consumer loans 157,059 184,763 Direct consumer loans 19,359 19,995 Total loans, net of deferred loan fees $ 1,141,937 $ 1,121,574 Interest receivable on loans 2,694 2,780 Total recorded investment in loans $ 1,144,631 $ 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 and nine month periods ended September 30, 2015 and 2014 (in thousands): Three Months Ended September 30, 2015 Allowance for loan losses Commercial and Agricultural Commercial Mortgages Residential Mortgages Consumer Loans Total Beginning balance: $ 1,825 $ 6,625 $ 1,545 $ 4,033 $ 14,028 Charge-offs: (113 ) (1 ) — (304 ) (418 ) Recoveries: 26 17 — 62 105 Net recoveries (charge-offs) (87 ) 16 — (242 ) (313 ) Provision (162 ) 326 7 136 307 Ending balance $ 1,576 $ 6,967 $ 1,552 $ 3,927 $ 14,022 Three Months Ended September 30, 2014 Allowance for loan losses Commercial and Agricultural Commercial Mortgages Residential Mortgages Consumer Loans Total Beginning balance: $ 1,749 $ 6,912 $ 1,498 $ 3,473 $ 13,632 Charge-offs: (60 ) (878 ) (90 ) (415 ) (1,443 ) Recoveries: 138 35 — 200 373 Net recoveries (charge-offs) 78 (843 ) (90 ) (215 ) (1,070 ) Provision (115 ) 256 24 424 589 Ending balance $ 1,712 $ 6,325 $ 1,432 $ 3,682 $ 13,151 Nine Months Ended September 30, 2015 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: (113 ) (29 ) (32 ) (917 ) (1,091 ) Recoveries: 64 101 — 306 471 Net recoveries (charge-offs) (49 ) 72 (32 ) (611 ) (620 ) Provision 165 569 12 210 956 Ending balance $ 1,576 $ 6,967 $ 1,552 $ 3,927 $ 14,022 Nine Months Ended September 30, 2014 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: (415 ) (1,236 ) (97 ) (1,191 ) (2,939 ) Recoveries: 331 118 28 507 984 Net recoveries (charge-offs) (84 ) (1,118 ) (69 ) (684 ) (1,955 ) Provision (183 ) 1,200 (16 ) 1,329 2,330 Ending balance $ 1,712 $ 6,325 $ 1,432 $ 3,682 $ 13,151 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 September 30, 2015 and December 31, 2014 (in thousands): September 30, 2015 Allowance for loan losses: Commercial and Agricultural Commercial Mortgages Residential Mortgages Consumer Loans Total Ending allowance balance attributable to loans: Individually evaluated for impairment $ 85 $ 1,525 $ — $ — $ 1,610 Collectively evaluated for impairment 1,491 5,383 1,521 3,927 12,322 Loans acquired with deteriorated credit quality — 59 31 — 90 Total ending allowance balance $ 1,576 $ 6,967 $ 1,552 $ 3,927 $ 14,022 December 31, 2014 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 September 30, 2015 Loans: Commercial Commercial Mortgages Residential Mortgages Consumer Loans Total Loans individually evaluated for impairment $ 1,088 $ 12,796 $ 239 $ 477 $ 14,600 Loans collectively evaluated for impairment 175,461 474,848 197,504 280,104 1,127,917 Loans acquired with deteriorated credit quality — 1,849 265 — 2,114 Total ending loans balance $ 176,549 $ 489,493 $ 198,008 $ 280,581 $ 1,144,631 December 31, 2014 Loans: Commercial 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 September 30, 2015 and December 31, 2014 , the average recorded investment and interest income recognized by class of loans as of the three and nine month periods ended September 30, 2015 and 2014 (in thousands): September 30, 2015 December 31, 2014 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 $ 1,001 $ 1,003 $ — $ 1,359 $ 1,364 $ — Commercial mortgages: Construction 357 358 — 1,927 1,910 — Commercial mortgages, other 7,520 7,433 — 7,803 7,708 — Residential mortgages 238 239 — 253 253 — Consumer loans: Home equity lines and loans 474 477 — 429 432 — With an allowance recorded: Commercial and agricultural: Commercial and industrial 85 85 85 89 89 89 Commercial mortgages: Commercial mortgages, other 5,055 5,005 1,525 4,210 4,094 1,145 Consumer loans: Home equity lines and loans — — — 54 54 1 Total $ 14,730 $ 14,600 $ 1,610 $ 16,124 $ 15,904 $ 1,235 Three Months Ended September 30, 2015 Three Months Ended September 30, 2014 Nine Months Ended September 30, 2015 Nine Months Ended September 30, 2014 With no related allowance recorded: Average Recorded Investment Interest Income Recognized (1) Average Recorded Investment Interest Income Recognized (1) Average Recorded Investment Interest Income Recognized (1) Average Recorded Investment Interest Income Recognized (1) Commercial and agricultural: Commercial and industrial $ 1,133 $ 15 $ 1,309 $ 11 $ 1,325 $ 47 $ 1,566 $ 26 Commercial mortgages: Construction 402 4 1,924 26 1,153 33 2,231 76 Commercial mortgages, other 7,556 70 7,909 82 7,765 196 6,806 211 Residential mortgages 241 1 110 — 246 3 114 — Consumer loans: Home equity lines & loans 479 6 69 1 468 18 72 2 With an allowance recorded: Commercial and agricultural: Commercial and industrial 165 — 144 — 180 3 784 — Commercial mortgages: Commercial mortgages, other 4,975 1 1,233 — 4,418 48 912 — Consumer loans: Home equity lines and loans — — 56 1 13 — 58 3 Total $ 14,951 $ 97 $ 12,754 $ 121 $ 15,568 $ 348 $ 12,543 $ 318 (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 September 30, 2015 and December 31, 2014 (in thousands): September 30, 2015 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 $ 175,397 $ 11 $ 1 $ — $ 94 $ 175,503 Agricultural 1,046 — — — — 1,046 Commercial mortgages: Construction 45,620 — — — 64 45,684 Commercial mortgages, other 434,476 272 — 1,849 7,212 443,809 Residential mortgages 192,719 1,124 — 265 3,900 198,008 Consumer loans: Credit cards 1,383 27 13 — — 1,423 Home equity lines and loans 101,188 335 — — 811 102,334 Indirect consumer loans 155,327 1,804 — — 269 157,400 Direct consumer loans 19,325 81 — — 18 19,424 Total $ 1,126,481 $ 3,654 $ 14 $ 2,114 $ 12,368 $ 1,144,631 (1) Includes all loans on non-accrual status regardless of the number of days such loans were past due as of September 30, 2015 . The past due status of non-accrual loans as of September 30, 2015 were as follows: $3.0 million in current, $3.5 million in 30-89 days past due, and $5.9 million in 90 days or more past due. December 31, 2014 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, other 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 past due as of December 31, 2014 . The past due status of non-accrual loans as of December 31, 2014 were as follows: $2.9 million in current, $1.7 million in 30-89 days past due, and $3.2 million in 90 days or more past due. 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 September 30, 2015 and December 31, 2014 , the Corporation has a recorded investment in TDRs of $9.4 million and $9.7 million , respectively. There were specific reserves of $0.5 million and $0.3 million allocated for TDRs at September 30, 2015 and December 31, 2014 , respectively. As of September 30, 2015 , TDRs totaling $7.1 million were accruing interest under the modified terms and $2.3 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 $0.6 million as of September 30, 2015 and less than $0.1 million as of December 31, 2014 , to customers with outstanding loans that are classified as TDRs. During the three and nine months ended September 30, 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 September 30, 2015 and 2014 (in thousands): September 30, 2015 Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Troubled debt restructurings: Commercial mortgages: Commercial mortgages 1 $ 432 $ 432 Total 1 $ 432 $ 432 September 30, 2014 Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Troubled debt restructurings: Commercial and agricultural: Commercial and industrial 2 $ 405 $ 405 Commercial mortgages: Commercial mortgages 1 1,869 1,869 Total 3 $ 2,274 $ 2,274 The TDRs described above did not increase the allowance for loan losses and resulted in no charge-offs during the three months ended September 30, 2015 and 2014, respectively. The following table presents loans by class modified as TDRs that occurred during the nine months ended September 30, 2015 and 2014 (in thousands): September 30, 2015 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 Commercial mortgages: Commercial mortgages 2 542 542 Total 3 $ 1,019 $ 1,019 September 30, 2014 Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Troubled debt restructurings: Commercial and agricultural: Commercial and industrial 3 $ 908 $ 908 Commercial mortgages: Commercial mortgages 3 2,236 2,192 Total 6 $ 3,144 $ 3,100 The TDRs described above increased the allowance for loan losses by less than $0.1 million and resulted in no charge-offs during the nine months ended September 30, 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 nine months ended September 30, 2014 . There were no payment defaults on any loans previously modified as TDRs during the three and nine months ended September 30, 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 September 30, 2015 and December 31, 2014 , the risk category of the recorded investment of loans by class of loans is as follows (in thousands): September 30, 2015 Not Rated Pass Loans acquired with deteriorated credit quality Special Mention Substandard Doubtful Total Commercial and agricultural: Commercial and industrial $ — $ 170,179 $ — $ 3,718 $ 1,521 $ 85 $ 175,503 Agricultural — 1,046 — — — — 1,046 Commercial mortgages: Construction — 45,326 — 293 65 — 45,684 Commercial mortgages — 412,811 1,849 12,200 12,798 4,151 443,809 Residential mortgages 193,843 — 265 — 3,900 — 198,008 Consumer loans: Credit cards 1,423 — — — — — 1,423 Home equity lines and loans 101,515 — — — 819 — 102,334 Indirect consumer loans 157,087 — — — 313 — 157,400 Direct consumer loans 19,406 — — — 18 — 19,424 Total $ 473,274 $ 629,362 $ 2,114 $ 16,211 $ 19,434 $ 4,236 $ 1,144,631 December 31, 2014 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 $ 27,858 $ 18,150 $ 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 September 30, 2015 and December 31, 2014 (in thousands): September 30, 2015 Consumer Loans Residential Mortgages Credit Card Home Equity Lines and Loans Indirect Consumer Loans Other Direct Consumer Loans Performing $ 194,108 $ 1,423 $ 101,523 $ 157,131 $ 19,406 Non-Performing 3,900 — 811 269 18 $ 198,008 $ 1,423 $ 102,334 $ 157,400 $ 19,424 December 31, 2014 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 July 1, 2015 to September 30, 2015 and January 1, 2015 to September 30, 2015 (in thousands): Three Months Ended September 30, 2015 Balance at June 30, 2015 Income Accretion All Other Adjustments Balance at Contractually required principal and interest $ 3,036 $ — $ (69 ) $ 2,967 Contractual cash flows not expected to be collected (nonaccretable discount) (568 ) — 19 (549 ) Cash flows expected to be collected 2,468 — (50 ) 2,418 Interest component of expected cash flows (accretable yield) (324 ) 39 (19 ) (304 ) Fair value of loans acquired with deteriorating credit quality $ 2,144 $ 39 $ (69 ) $ 2,114 Nine Months Ended September 30, 2015 Balance at Income Accretion All Other Adjustments Balance at Contractually required principal and interest $ 3,621 $ — $ (654 ) $ 2,967 Contractual cash flows not expected to be collected (nonaccretable discount) (570 ) — 21 (549 ) Cash flows expected to be collected 3,051 — (633 ) 2,418 Interest component of expected cash flows (accretable yield) (420 ) 138 (22 ) (304 ) Fair value of loans acquired with deteriorating credit quality $ 2,631 $ 138 $ (655 ) $ 2,114

FAIR VALUE

FAIR VALUE	9 Months Ended
	Sep. 30, 2015
Fair Value Disclosures [Abstract]
FAIR VALUE	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 September 30, 2015 Using Financial Assets: Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Obligations of U.S. Government and U.S. Government sponsored enterprises $ 126,028 $ 14,878 $ 111,150 $ — Mortgage-backed securities, residential 162,580 — 162,580 — Obligations of states and political subdivisions 44,573 — 44,573 — Corporate bonds and notes 1,260 — 1,260 — SBA loan pools 669 — 669 — Corporate stocks 461 54 407 — Total available for sale securities $ 335,571 $ 14,932 $ 320,639 $ — Trading assets $ 636 $ 636 $ — $ — 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 (Level 2) Significant Unobservable Inputs (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 and nine month periods ended September 30, 2015 or the year ended December 31, 2014 . Assets and liabilities measured at fair value on a non-recurring basis are summarized below (in thousands): Fair Value Measurement at September 30, 2015 Using Financial Assets: Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Impaired Loans: Commercial mortgages: Commercial mortgages $ 3,481 $ — $ — $ 3,481 Total impaired loans $ 3,481 $ — $ — $ 3,481 Other real estate owned: Commercial mortgages: Commercial mortgages $ 2,376 $ — $ — $ 2,376 Total other real estate owned, net $ 2,376 $ — $ — $ 2,376 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 (Level 2) Significant Unobservable Inputs (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 tables presents information related to Level 3 non-recurring fair value measurement at September 30, 2015 and December 31, 2014 (in thousands): Description Fair Value Valuation Technique Unobservable Inputs Unobservable Inputs Impaired loans $ 3,481 Appraisal of collateral (1) Appraisal adjustments by management for qualitative factors such as market conditions and collateral characteristics 0% - 100% discount Other real estate owned $ 2,376 Appraisal of collateral (1) Appraisal adjustments by management for qualitative factors such as market conditions and estimated liquidation expenses 31% discount (1) Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various Level 3 inputs which are not identifiable. Description Fair Value Valuation Technique Unobservable Inputs Unobservable Inputs Impaired loans $ 3,645 Appraisal of collateral (1) Appraisal adjustments by management for qualitative factors such as market conditions and collateral characteristics 0% - 100% discount Other real estate owned $ 3,065 Appraisal of collateral (1) Appraisal adjustments by management for qualitative factors such as market conditions and estimated liquidation expenses 7% - 27% discount (1) Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various Level 3 inputs which are not identifiable. Impaired loans carried at fair value, which are measured for impairment using the fair value of the collateral for collateral dependent loans, had a principal balance of $5.1 million with a valuation allowance of $1.6 million as of September 30, 2015 , resulting in $77 thousand increase and $331 thousand increase in the provision for loan losses for the three and nine month periods ended September 30, 2015 , respectively. 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 ended December 31, 2014 . OREO carried at fair value, which is measured by the lower of cost or fair value less costs to sell had an outstanding balance of $2.5 million , before a valuation allowance of $120 thousand at September 30, 2015 . For the properties held as of September 30, 2015 , there was no expense associated with the valuation allowance for the three month period ended September 30, 2015 . Expense associated with the valuation allowance of properties held as of September 30, 2015 was $120 thousand for the nine month period ended September 30, 2015 . OREO had an outstanding balance of $3.1 million , before a valuation allowance of $2 thousand at December 31, 2014 . For properties held as of December 31, 2014 , there was no expense associated with the valuation allowance recognized during the year. 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 cost and 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 September 30, 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 September 30, 2015 and December 31, 2014 , are as follows (in thousands): Fair Value Measurements at September 30, 2015 Using Financial assets: Carrying Amount Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Estimated Fair Value (1) Cash and due from financial institutions $ 30,800 $ 30,800 $ — $ — $ 30,800 Interest-bearing deposits in other financial institutions 44,449 44,449 — — 44,449 Trading assets 636 636 — — 636 Securities available for sale 335,571 14,932 320,639 — 335,571 Securities held to maturity 4,604 — 4,897 — 4,897 FHLBNY and FRBNY stock 4,171 — — — N/A Loans, net 1,127,915 — — 1,152,781 1,152,781 Loans held for sale 316 — 319 — 319 Accrued interest receivable 4,252 113 1,471 2,668 4,252 Financial liabilities: Deposits: Demand, savings, and insured money market accounts $ 1,237,236 $ 1,237,236 $ — $ — $ 1,237,236 Time deposits 173,205 — 173,639 — 173,639 Securities sold under agreements to repurchase 30,358 — 31,232 — 31,232 FHLBNY term advances 19,230 — 19,853 — 19,853 Accrued interest payable 207 15 192 — 207 (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 in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Estimated Fair Value (1) Cash and due from financial institutions $ 28,130 $ 28,130 $ — $ — $ 28,130 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	9 Months Ended
	Sep. 30, 2015
Goodwill and Intangible Assets Disclosure [Abstract]
GOODWILL AND INTANGIBLE ASSETS	GOODWILL AND INTANGIBLE ASSETS The changes in goodwill included in the core banking segment during the periods ended September 30, 2015 and 2014 were as follows (in thousands): 2015 2014 Beginning of year $ 21,824 $ 21,824 Acquired goodwill — — End balance September 30, $ 21,824 $ 21,824 Acquired intangible assets were as follows at September 30, 2015 and December 31, 2014 (in thousands): At September 30, 2015 At December 31, 2014 Balance Acquired Accumulated Amortization Balance Acquired Accumulated Amortization Core deposit intangibles $ 5,975 $ 3,875 $ 5,975 $ 3,279 Other customer relationship intangibles 5,633 3,532 5,633 3,262 Total $ 11,608 $ 7,407 $ 11,608 $ 6,541 Aggregate amortization expense was $0.3 million for both of the three month periods ended September 30, 2015 and 2014 . Aggregate amortization expense was $0.9 million and $1.0 million for the nine month periods ended September 30, 2015 and 2014 , respectively. The remaining estimated aggregate amortization expense at September 30, 2015 is listed below (in thousands): Year Estimated Expense 2015 $ 271 2016 986 2017 859 2018 734 2019 609 2020 and thereafter 742 Total $ 4,201

SECURITIES SOLD UNDER AGREEMENT

SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE	9 Months Ended
	Sep. 30, 2015
Disclosure of Repurchase Agreements [Abstract]
SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE	SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE A summary of securities sold under agreements to repurchase as of September 30, 2015 and December 31, 2014 is as follows (in thousands): September 30, 2015 Overnight and Continuous Up to 1 Year 1 - 3 Years 3+ Years Total Obligations of U.S. Government and U.S. Government sponsored enterprises $ 12,303 $ — $ 11,183 $ — $ 23,486 Mortgage-backed securities, residential 8,546 — 13,020 — 21,566 Total $ 20,849 $ — $ 24,203 $ — 45,052 Excess collateral held (14,694 ) Gross amount of recognized liabilities for repurchase agreements $ 30,358 December 31, 2014 Overnight and Continuous Up to 1 Year 1 - 3 Years 3+ Years Total Obligations of U.S. Government and U.S. Government sponsored enterprises $ 21,056 $ — $ 6,990 $ 8,595 $ 36,641 Mortgage-backed securities, residential 669 — 3,507 4,174 8,350 Collateralized mortgage obligations — — 48 — 48 Total $ 21,725 $ — $ 10,545 $ 12,769 45,039 Excess collateral held (15,387 ) Gross amount of recognized liabilities for repurchase agreements $ 29,652 The Corporation enters into sales of securities under agreements to repurchase and the amounts received under these agreements represent borrowings and are reflected as a liability in the consolidated balance sheets. The securities underlying these agreements are included in investment securities in the consolidated balance sheets. The Corporation has no control over the market value of the securities which fluctuate due to market conditions, however, the Corporation is obligated to promptly transfer additional securities if the market value of the securities falls below the repurchase agreement price. The Corporation manages this risk by utilizing highly marketable and easily priced securities, monitoring these securities for significant changes in market valuation routinely, and maintaining an unpledged securities portfolio believed to be sufficient to cover a decline in the market value of the securities sold under agreements to repurchase.

ACCUMULATED OTHER COMPREHENSIVE

ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS	9 Months Ended
	Sep. 30, 2015
Equity [Abstract]
ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS	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 June 30, 2015 $ 1,184 $ (10,298 ) $ (9,114 ) Other comprehensive income before reclassification 598 — 598 Amounts reclassified from accumulated other comprehensive income 7 223 230 Net current period other comprehensive gain 605 223 828 Balance at September 30, 2015 $ 1,789 $ (10,075 ) $ (8,286 ) Unrealized Gains and Losses on Securities Available for Sale Defined Benefit and Other Benefit Plans Total Balance at June 30, 2014 $ 6,962 $ (5,712 ) $ 1,250 Other comprehensive loss before reclassification (849 ) — (849 ) Amounts reclassified from accumulated other comprehensive income — 87 87 Net current period other comprehensive gain (loss) (849 ) 87 (762 ) Balance at September 30, 2014 $ 6,113 $ (5,625 ) $ 488 Unrealized Gains and Losses on Securities Available for Sale Defined Benefit and Other Benefit Plans Total Balance at December 31, 2014 $ 1,960 $ (10,745 ) $ (8,785 ) Other comprehensive income before reclassification 2 — 2 Amounts reclassified from accumulated other comprehensive income (173 ) 670 497 Net current period other comprehensive gain (loss) (171 ) 670 499 Balance at September 30, 2015 $ 1,789 $ (10,075 ) $ (8,286 ) Unrealized Gains and Losses on Securities Available for Sale Defined Benefit and Other Benefit Plans Total Balance at December 31, 2013 $ 6,043 $ (5,888 ) $ 155 Other comprehensive income before reclassification 391 — 391 Amounts reclassified from accumulated other comprehensive income (loss) (321 ) 263 (58 ) Net current period other comprehensive gain 70 263 333 Balance at September 30, 2014 $ 6,113 $ (5,625 ) $ 488 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 September 30, Affected Line Item 2015 2014 Unrealized gains and losses on securities available for sale: Realized losses on securities available for sale $ 11 $ — Net gains (losses) on securities transactions Tax effect (4 ) — Income tax expense (benefit) Net of tax 7 — Amortization of defined pension plan and other benefit plan items: Prior service costs (a) (22 ) (22 ) Pension and other employee benefits Actuarial losses (a) 384 169 Pension and other employee benefits Tax effect (139 ) (60 ) Income tax expense (benefit) Net of tax 223 87 Total reclassification for the period, net of tax $ 230 $ 87 (a) These accumulated other comprehensive income components are included in the computation of net periodic pension and other benefit plan costs (see Note 10 for additional information). Details about Accumulated Other Comprehensive Income Components Nine Months Ended September 30, Affected Line Item 2015 2014 Unrealized gains and losses on securities available for sale: Realized gains on securities available for sale $ (291 ) $ (522 ) Net gains on securities transactions Tax effect 118 201 Income tax expense (benefit) Net of tax (173 ) (321 ) Amortization of defined pension plan and other benefit plan items: Prior service costs (a) (65 ) (66 ) Pension and other employee benefits Actuarial losses (a) 1,151 499 Pension and other employee benefits Tax effect (416 ) (170 ) Income tax expense (benefit) Net of tax 670 263 Total reclassification for the period, net of tax $ 497 $ (58 ) (a) These accumulated other comprehensive income components are included in the computation of net periodic pension and other benefit plan costs (see Note 10 for additional information).

COMMITMENTS AND CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	9 Months Ended
	Sep. 30, 2015
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS AND CONTINGENCIES	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 September 30, 2015 and December 31, 2014 (in thousands): September 30, 2015 December 31, 2014 Fixed Rate Variable Rate Fixed Rate Variable Rate Commitments to make loans $ 25,955 $ 26,904 $ 23,756 $ 11,082 Unused lines of credit $ 1,707 $ 189,001 $ 812 $ 185,235 Standby letters of credit $ — $ 14,303 $ — $ 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 WMG 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. Payments for the two settlements, offset by $7.9 million of insurance proceeds, occurred during the second quarter of 2015. 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 YEA

COMPONENTS OF QUARTERLY AND YEAR TO DATE NET PERIODIC BENEFIT COSTS	9 Months Ended
	Sep. 30, 2015
Compensation and Retirement Disclosure [Abstract]
COMPONENTS OF QUARTERLY AND YEAR TO DATE NET PERIODIC BENEFIT COSTS	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 September 30, Nine Months Ended September 30, 2015 2014 2015 2014 Qualified Pension Plan Service cost, benefits earned during the period $ 354 $ 271 $ 1,061 $ 813 Interest cost on projected benefit obligation 457 435 1,371 1,305 Expected return on plan assets (824 ) (793 ) (2,471 ) (2,379 ) Amortization of unrecognized transition obligation — — — — Amortization of unrecognized prior service cost 2 2 7 6 Amortization of unrecognized net loss 369 160 1,106 480 Net periodic pension cost $ 358 $ 75 $ 1,074 $ 225 Supplemental Pension Plan Service cost, benefits earned during the period $ 11 $ 10 $ 33 $ 30 Interest cost on projected benefit obligation 13 14 37 40 Expected return on plan assets — — — — Amortization of unrecognized prior service cost — — — — Amortization of unrecognized net loss 12 9 38 19 Net periodic supplemental pension cost $ 36 $ 33 $ 108 $ 89 Postretirement Plan, Medical and Life Service cost, benefits earned during the period $ 11 $ 11 $ 35 $ 33 Interest cost on projected benefit obligation 16 18 48 54 Expected return on plan assets — — — — Amortization of unrecognized prior service cost (24 ) (24 ) (72 ) (72 ) Amortization of unrecognized net loss 3 — 7 — Net periodic postretirement, medical and life cost $ 6 $ 5 $ 18 $ 15

SEGMENT REPORTING

SEGMENT REPORTING	9 Months Ended
	Sep. 30, 2015
Segment Reporting [Abstract]
SEGMENT REPORTING	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. CFS amounts are the primary differences between segment amounts and consolidated totals, and are reflected in the Holding Company and CFS column below, along with amounts to eliminate transactions between segments (in thousands). Three months ended September 30, 2015 Core Banking WMG Holding Company and CFS Consolidated Totals Net interest income $ 12,690 $ — $ 1 $ 12,691 Provision for loan losses 307 — — 307 Net interest income after provision for loan losses 12,383 — 1 12,384 Other non-interest income 2,622 2,122 168 4,912 Other non-interest expenses 12,113 1,357 164 13,634 Income before income tax expense (benefit) 2,892 765 5 3,662 Income tax expense (benefit) 935 292 (16 ) 1,211 Segment net income $ 1,957 $ 473 $ 21 $ 2,451 Three months ended September 30, 2014 Core Banking WMG Holding Company and CFS Consolidated Totals Net interest income $ 12,424 $ — $ 2 $ 12,426 Provision for loan losses 589 — — 589 Net interest income after provision for loan losses 11,835 — 2 11,837 Other non-interest income 2,852 1,943 191 4,986 Other non-interest expenses 12,055 5,510 198 17,763 Income (loss) before income tax expense (benefit) 2,632 (3,567 ) (5 ) (940 ) Income tax expense (benefit) 769 (1,371 ) (19 ) (621 ) Segment net income (loss) $ 1,863 $ (2,196 ) $ 14 $ (319 ) Nine months ended September 30, 2015 Core Banking WMG Holding Company and CFS Consolidated Totals Net interest income $ 37,676 $ — $ 4 $ 37,680 Provision for loan losses 956 — — 956 Net interest income after provision for loan losses 36,720 — 4 36,724 Other non-interest income 8,261 6,446 717 15,424 Other non-interest expenses 36,388 4,051 754 41,193 Income (loss) before income tax expense (benefit) 8,593 2,395 (33 ) 10,955 Income tax expense (benefit) 2,798 915 (62 ) 3,651 Segment net income $ 5,795 $ 1,480 $ 29 $ 7,304 Segment assets $ 1,626,100 $ 4,392 $ 1,147 $ 1,631,639 Nine months ended September 30, 2014 Core Banking WMG Holding Company and CFS Consolidated Totals Net interest income $ 36,525 $ — $ 9 $ 36,534 Provision for loan losses 2,330 — — 2,330 Net interest income after provision for loan losses 34,195 — 9 34,204 Other non-interest income 8,930 5,816 610 15,356 Other non-interest expenses 35,836 8,199 650 44,685 Income (loss) before income tax expense (benefit) 7,289 (2,383 ) (31 ) 4,875 Income tax expense (benefit) 2,179 (916 ) (64 ) 1,199 Segment net income (loss) $ 5,110 $ (1,467 ) $ 33 $ 3,676 Segment assets $ 1,515,658 $ 6,332 $ 1,567 $ 1,523,557

STOCK COMPENSATION

STOCK COMPENSATION	9 Months Ended
	Sep. 30, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
STOCK COMPENSATION	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 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 $52 thousand and $63 thousand related to this compensation was recognized during the three month periods ended September 30, 2015 and 2014 , respectively. An expense of $188 thousand and $187 thousand related to this compensation was recognized during the nine month periods ended September 30, 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 September 30, 2015 is presented below: Shares Weighted–Average Grant Date Fair Value Nonvested at July 1, 2015 26,015 $ 27.94 Granted — $ — Vested (200 ) $ 22.95 Forfeited or cancelled — $ — Nonvested at September 30, 2015 25,815 $ 27.98 A summary of restricted stock activity for the nine month period ended September 30, 2015 is presented below: Shares Weighted–Average Grant Date Fair Value Nonvested at January 1, 2015 26,428 $ 27.92 Granted — $ — Vested (613 ) $ 25.41 Forfeited or cancelled — $ — Nonvested at September 30, 2015 25,815 $ 27.98 As of September 30, 2015 , there was $562 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 3.34 years. The total fair value of shares vested during the three and nine month periods ended September 30, 2015 were $5 thousand and $17 thousand , respectively.

SUMMARY OF SIGNIFICANT ACCOUN21

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	9 Months Ended
	Sep. 30, 2015
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 Accounting Pronouncements	Recent Accounting Pronouncements There are no recently issued accounting pronouncements that the Corporation feels will have a material impact on its consolidated financial statements.

SECURITIES (Tables)

SECURITIES (Tables)	9 Months Ended
	Sep. 30, 2015
Investments, Debt and Equity 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): September 30, 2015 Amortized Cost Unrealized Gains Unrealized Losses Estimated Fair Value Obligations of U.S. Government and U.S. Government sponsored enterprises $ 124,565 $ 1,463 $ — $ 126,028 Mortgage-backed securities, residential 162,007 917 344 162,580 Obligations of states and political subdivisions 43,907 683 17 44,573 Corporate bonds and notes 1,247 13 — 1,260 SBA loan pools 663 7 1 669 Corporate stocks 285 176 — 461 Total $ 332,674 $ 3,259 $ 362 $ 335,571 December 31, 2014 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): September 30, 2015 Amortized Cost Unrealized Gains Unrealized Losses Estimated Fair Value Obligations of states and political subdivisions $ 4,409 $ 293 $ — $ 4,702 Time deposits with other financial institutions 195 — — 195 Total $ 4,604 $ 293 $ — $ 4,897 December 31, 2014 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): September 30, 2015 Available for Sale Held to Maturity Amortized Fair Amortized Fair Within one year $ 50,363 $ 50,779 $ 2,464 $ 2,505 After one, but within five years 95,370 96,694 1,924 2,143 After five, but within ten years 23,687 24,089 216 249 After ten years 299 299 — — 169,719 171,861 4,604 4,897 Mortgage-backed securities, residential 162,007 162,580 — — SBA loan pools 663 669 — — Total $ 332,389 $ 335,110 $ 4,604 $ 4,897
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 for the three months ended September 30, 2015 and 2014 are listed below (in thousands): 2015 2014 Proceeds $ 2,936 $ 5,845 Gross gains $ 24 $ — Gross losses $ (35 ) $ — Tax benefit $ (5 ) $ — The proceeds from sales and calls of securities resulting in gains or losses for the nine months ended September 30, 2015 and 2014 are listed below (in thousands): 2015 2014 Proceeds $ 58,035 $ 55,610 Gross gains $ 326 $ 522 Gross losses $ (35 ) $ — Tax expense $ 111 $ 201
Investment securities available for sale in an unrealized loss position	The following tables summarize the investment securities available for sale with unrealized losses at September 30, 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 September 30, 2015 Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized Mortgage-backed securities, residential $ 65,248 $ 344 $ — $ — $ 65,248 $ 344 Obligations of states and political subdivisions 4,545 15 921 2 5,466 17 SBA loan pools — — 257 1 257 1 Total temporarily impaired securities $ 69,793 $ 359 $ 1,178 $ 3 $ 70,971 $ 362 Less than 12 months 12 months or longer Total December 31, 2014 Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized 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 SBA loan pools 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	There were no cumulative credit losses recognized in earnings for the three month periods ended September 30, 2015 and 2014 . The table below presents a roll forward of the cumulative credit losses recognized in earnings for the nine month periods ended September 30, 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 — — Reductions for increase in cash flows expected to be collected that are — — Reductions for previous credit losses realized in securities liquidated during the — (1,939 ) Increases to the amount related to the credit loss for which other-than-temporary — — Ending balance, September 30, $ — $ —

LOANS AND ALLOWANCE FOR LOAN 23

LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)	9 Months Ended
	Sep. 30, 2015
Loans and Leases Receivable Disclosure [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): September 30, 2015 December 31, 2014 Commercial and agricultural: Commercial and industrial $ 175,098 $ 165,385 Agricultural 1,043 1,021 Commercial mortgages: Construction 45,579 54,831 Commercial mortgages, other 442,785 397,762 Residential mortgages 197,506 196,809 Consumer loans: Credit cards 1,423 1,654 Home equity lines and loans 102,085 99,354 Indirect consumer loans 157,059 184,763 Direct consumer loans 19,359 19,995 Total loans, net of deferred loan fees $ 1,141,937 $ 1,121,574 Interest receivable on loans 2,694 2,780 Total recorded investment in loans $ 1,144,631 $ 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 and nine month periods ended September 30, 2015 and 2014 (in thousands): Three Months Ended September 30, 2015 Allowance for loan losses Commercial and Agricultural Commercial Mortgages Residential Mortgages Consumer Loans Total Beginning balance: $ 1,825 $ 6,625 $ 1,545 $ 4,033 $ 14,028 Charge-offs: (113 ) (1 ) — (304 ) (418 ) Recoveries: 26 17 — 62 105 Net recoveries (charge-offs) (87 ) 16 — (242 ) (313 ) Provision (162 ) 326 7 136 307 Ending balance $ 1,576 $ 6,967 $ 1,552 $ 3,927 $ 14,022 Three Months Ended September 30, 2014 Allowance for loan losses Commercial and Agricultural Commercial Mortgages Residential Mortgages Consumer Loans Total Beginning balance: $ 1,749 $ 6,912 $ 1,498 $ 3,473 $ 13,632 Charge-offs: (60 ) (878 ) (90 ) (415 ) (1,443 ) Recoveries: 138 35 — 200 373 Net recoveries (charge-offs) 78 (843 ) (90 ) (215 ) (1,070 ) Provision (115 ) 256 24 424 589 Ending balance $ 1,712 $ 6,325 $ 1,432 $ 3,682 $ 13,151 Nine Months Ended September 30, 2015 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: (113 ) (29 ) (32 ) (917 ) (1,091 ) Recoveries: 64 101 — 306 471 Net recoveries (charge-offs) (49 ) 72 (32 ) (611 ) (620 ) Provision 165 569 12 210 956 Ending balance $ 1,576 $ 6,967 $ 1,552 $ 3,927 $ 14,022 Nine Months Ended September 30, 2014 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: (415 ) (1,236 ) (97 ) (1,191 ) (2,939 ) Recoveries: 331 118 28 507 984 Net recoveries (charge-offs) (84 ) (1,118 ) (69 ) (684 ) (1,955 ) Provision (183 ) 1,200 (16 ) 1,329 2,330 Ending balance $ 1,712 $ 6,325 $ 1,432 $ 3,682 $ 13,151
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 September 30, 2015 and December 31, 2014 (in thousands): September 30, 2015 Allowance for loan losses: Commercial and Agricultural Commercial Mortgages Residential Mortgages Consumer Loans Total Ending allowance balance attributable to loans: Individually evaluated for impairment $ 85 $ 1,525 $ — $ — $ 1,610 Collectively evaluated for impairment 1,491 5,383 1,521 3,927 12,322 Loans acquired with deteriorated credit quality — 59 31 — 90 Total ending allowance balance $ 1,576 $ 6,967 $ 1,552 $ 3,927 $ 14,022 December 31, 2014 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 September 30, 2015 Loans: Commercial Commercial Mortgages Residential Mortgages Consumer Loans Total Loans individually evaluated for impairment $ 1,088 $ 12,796 $ 239 $ 477 $ 14,600 Loans collectively evaluated for impairment 175,461 474,848 197,504 280,104 1,127,917 Loans acquired with deteriorated credit quality — 1,849 265 — 2,114 Total ending loans balance $ 176,549 $ 489,493 $ 198,008 $ 280,581 $ 1,144,631 December 31, 2014 Loans: Commercial 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 September 30, 2015 and December 31, 2014 , the average recorded investment and interest income recognized by class of loans as of the three and nine month periods ended September 30, 2015 and 2014 (in thousands): September 30, 2015 December 31, 2014 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 $ 1,001 $ 1,003 $ — $ 1,359 $ 1,364 $ — Commercial mortgages: Construction 357 358 — 1,927 1,910 — Commercial mortgages, other 7,520 7,433 — 7,803 7,708 — Residential mortgages 238 239 — 253 253 — Consumer loans: Home equity lines and loans 474 477 — 429 432 — With an allowance recorded: Commercial and agricultural: Commercial and industrial 85 85 85 89 89 89 Commercial mortgages: Commercial mortgages, other 5,055 5,005 1,525 4,210 4,094 1,145 Consumer loans: Home equity lines and loans — — — 54 54 1 Total $ 14,730 $ 14,600 $ 1,610 $ 16,124 $ 15,904 $ 1,235 Three Months Ended September 30, 2015 Three Months Ended September 30, 2014 Nine Months Ended September 30, 2015 Nine Months Ended September 30, 2014 With no related allowance recorded: Average Recorded Investment Interest Income Recognized (1) Average Recorded Investment Interest Income Recognized (1) Average Recorded Investment Interest Income Recognized (1) Average Recorded Investment Interest Income Recognized (1) Commercial and agricultural: Commercial and industrial $ 1,133 $ 15 $ 1,309 $ 11 $ 1,325 $ 47 $ 1,566 $ 26 Commercial mortgages: Construction 402 4 1,924 26 1,153 33 2,231 76 Commercial mortgages, other 7,556 70 7,909 82 7,765 196 6,806 211 Residential mortgages 241 1 110 — 246 3 114 — Consumer loans: Home equity lines & loans 479 6 69 1 468 18 72 2 With an allowance recorded: Commercial and agricultural: Commercial and industrial 165 — 144 — 180 3 784 — Commercial mortgages: Commercial mortgages, other 4,975 1 1,233 — 4,418 48 912 — Consumer loans: Home equity lines and loans — — 56 1 13 — 58 3 Total $ 14,951 $ 97 $ 12,754 $ 121 $ 15,568 $ 348 $ 12,543 $ 318 (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 September 30, 2015 and December 31, 2014 (in thousands): September 30, 2015 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 $ 175,397 $ 11 $ 1 $ — $ 94 $ 175,503 Agricultural 1,046 — — — — 1,046 Commercial mortgages: Construction 45,620 — — — 64 45,684 Commercial mortgages, other 434,476 272 — 1,849 7,212 443,809 Residential mortgages 192,719 1,124 — 265 3,900 198,008 Consumer loans: Credit cards 1,383 27 13 — — 1,423 Home equity lines and loans 101,188 335 — — 811 102,334 Indirect consumer loans 155,327 1,804 — — 269 157,400 Direct consumer loans 19,325 81 — — 18 19,424 Total $ 1,126,481 $ 3,654 $ 14 $ 2,114 $ 12,368 $ 1,144,631 (1) Includes all loans on non-accrual status regardless of the number of days such loans were past due as of September 30, 2015 . The past due status of non-accrual loans as of September 30, 2015 were as follows: $3.0 million in current, $3.5 million in 30-89 days past due, and $5.9 million in 90 days or more past due. December 31, 2014 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, other 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 past due 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 September 30, 2015 and 2014 (in thousands): September 30, 2015 Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Troubled debt restructurings: Commercial mortgages: Commercial mortgages 1 $ 432 $ 432 Total 1 $ 432 $ 432 September 30, 2014 Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Troubled debt restructurings: Commercial and agricultural: Commercial and industrial 2 $ 405 $ 405 Commercial mortgages: Commercial mortgages 1 1,869 1,869 Total 3 $ 2,274 $ 2,274 The following table presents loans by class modified as TDRs that occurred during the nine months ended September 30, 2015 and 2014 (in thousands): September 30, 2015 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 Commercial mortgages: Commercial mortgages 2 542 542 Total 3 $ 1,019 $ 1,019 September 30, 2014 Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Troubled debt restructurings: Commercial and agricultural: Commercial and industrial 3 $ 908 $ 908 Commercial mortgages: Commercial mortgages 3 2,236 2,192 Total 6 $ 3,144 $ 3,100
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 September 30, 2015 and December 31, 2014 , the risk category of the recorded investment of loans by class of loans is as follows (in thousands): September 30, 2015 Not Rated Pass Loans acquired with deteriorated credit quality Special Mention Substandard Doubtful Total Commercial and agricultural: Commercial and industrial $ — $ 170,179 $ — $ 3,718 $ 1,521 $ 85 $ 175,503 Agricultural — 1,046 — — — — 1,046 Commercial mortgages: Construction — 45,326 — 293 65 — 45,684 Commercial mortgages — 412,811 1,849 12,200 12,798 4,151 443,809 Residential mortgages 193,843 — 265 — 3,900 — 198,008 Consumer loans: Credit cards 1,423 — — — — — 1,423 Home equity lines and loans 101,515 — — — 819 — 102,334 Indirect consumer loans 157,087 — — — 313 — 157,400 Direct consumer loans 19,406 — — — 18 — 19,424 Total $ 473,274 $ 629,362 $ 2,114 $ 16,211 $ 19,434 $ 4,236 $ 1,144,631 December 31, 2014 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 $ 27,858 $ 18,150 $ 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 September 30, 2015 and December 31, 2014 (in thousands): September 30, 2015 Consumer Loans Residential Mortgages Credit Card Home Equity Lines and Loans Indirect Consumer Loans Other Direct Consumer Loans Performing $ 194,108 $ 1,423 $ 101,523 $ 157,131 $ 19,406 Non-Performing 3,900 — 811 269 18 $ 198,008 $ 1,423 $ 102,334 $ 157,400 $ 19,424 December 31, 2014 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 July 1, 2015 to September 30, 2015 and January 1, 2015 to September 30, 2015 (in thousands): Three Months Ended September 30, 2015 Balance at June 30, 2015 Income Accretion All Other Adjustments Balance at Contractually required principal and interest $ 3,036 $ — $ (69 ) $ 2,967 Contractual cash flows not expected to be collected (nonaccretable discount) (568 ) — 19 (549 ) Cash flows expected to be collected 2,468 — (50 ) 2,418 Interest component of expected cash flows (accretable yield) (324 ) 39 (19 ) (304 ) Fair value of loans acquired with deteriorating credit quality $ 2,144 $ 39 $ (69 ) $ 2,114 Nine Months Ended September 30, 2015 Balance at Income Accretion All Other Adjustments Balance at Contractually required principal and interest $ 3,621 $ — $ (654 ) $ 2,967 Contractual cash flows not expected to be collected (nonaccretable discount) (570 ) — 21 (549 ) Cash flows expected to be collected 3,051 — (633 ) 2,418 Interest component of expected cash flows (accretable yield) (420 ) 138 (22 ) (304 ) Fair value of loans acquired with deteriorating credit quality $ 2,631 $ 138 $ (655 ) $ 2,114

FAIR VALUE (Tables)

FAIR VALUE (Tables)	9 Months Ended
	Sep. 30, 2015
Fair Value Disclosures [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 September 30, 2015 Using Financial Assets: Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Obligations of U.S. Government and U.S. Government sponsored enterprises $ 126,028 $ 14,878 $ 111,150 $ — Mortgage-backed securities, residential 162,580 — 162,580 — Obligations of states and political subdivisions 44,573 — 44,573 — Corporate bonds and notes 1,260 — 1,260 — SBA loan pools 669 — 669 — Corporate stocks 461 54 407 — Total available for sale securities $ 335,571 $ 14,932 $ 320,639 $ — Trading assets $ 636 $ 636 $ — $ — 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 (Level 2) Significant Unobservable Inputs (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 September 30, 2015 Using Financial Assets: Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Impaired Loans: Commercial mortgages: Commercial mortgages $ 3,481 $ — $ — $ 3,481 Total impaired loans $ 3,481 $ — $ — $ 3,481 Other real estate owned: Commercial mortgages: Commercial mortgages $ 2,376 $ — $ — $ 2,376 Total other real estate owned, net $ 2,376 $ — $ — $ 2,376 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 (Level 2) Significant Unobservable Inputs (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 tables presents information related to Level 3 non-recurring fair value measurement at September 30, 2015 and December 31, 2014 (in thousands): Description Fair Value Valuation Technique Unobservable Inputs Unobservable Inputs Impaired loans $ 3,481 Appraisal of collateral (1) Appraisal adjustments by management for qualitative factors such as market conditions and collateral characteristics 0% - 100% discount Other real estate owned $ 2,376 Appraisal of collateral (1) Appraisal adjustments by management for qualitative factors such as market conditions and estimated liquidation expenses 31% discount (1) Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various Level 3 inputs which are not identifiable. Description Fair Value Valuation Technique Unobservable Inputs Unobservable Inputs Impaired loans $ 3,645 Appraisal of collateral (1) Appraisal adjustments by management for qualitative factors such as market conditions and collateral characteristics 0% - 100% discount Other real estate owned $ 3,065 Appraisal of collateral (1) Appraisal adjustments by management for qualitative factors such as market conditions and estimated liquidation expenses 7% - 27% discount
Carrying value and estimated fair value of financial instruments	The carrying amounts and estimated fair values of other financial instruments, at September 30, 2015 and December 31, 2014 , are as follows (in thousands): Fair Value Measurements at September 30, 2015 Using Financial assets: Carrying Amount Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Estimated Fair Value (1) Cash and due from financial institutions $ 30,800 $ 30,800 $ — $ — $ 30,800 Interest-bearing deposits in other financial institutions 44,449 44,449 — — 44,449 Trading assets 636 636 — — 636 Securities available for sale 335,571 14,932 320,639 — 335,571 Securities held to maturity 4,604 — 4,897 — 4,897 FHLBNY and FRBNY stock 4,171 — — — N/A Loans, net 1,127,915 — — 1,152,781 1,152,781 Loans held for sale 316 — 319 — 319 Accrued interest receivable 4,252 113 1,471 2,668 4,252 Financial liabilities: Deposits: Demand, savings, and insured money market accounts $ 1,237,236 $ 1,237,236 $ — $ — $ 1,237,236 Time deposits 173,205 — 173,639 — 173,639 Securities sold under agreements to repurchase 30,358 — 31,232 — 31,232 FHLBNY term advances 19,230 — 19,853 — 19,853 Accrued interest payable 207 15 192 — 207 (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 in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Estimated Fair Value (1) Cash and due from financial institutions $ 28,130 $ 28,130 $ — $ — $ 28,130 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 (Tables)	9 Months Ended
	Sep. 30, 2015
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of changes in goodwill	The changes in goodwill included in the core banking segment during the periods ended September 30, 2015 and 2014 were as follows (in thousands): 2015 2014 Beginning of year $ 21,824 $ 21,824 Acquired goodwill — — End balance September 30, $ 21,824 $ 21,824
Schedule of acquired finite-lived intangible assets by major class	Acquired intangible assets were as follows at September 30, 2015 and December 31, 2014 (in thousands): At September 30, 2015 At December 31, 2014 Balance Acquired Accumulated Amortization Balance Acquired Accumulated Amortization Core deposit intangibles $ 5,975 $ 3,875 $ 5,975 $ 3,279 Other customer relationship intangibles 5,633 3,532 5,633 3,262 Total $ 11,608 $ 7,407 $ 11,608 $ 6,541
Schedule of expected amortization expense	The remaining estimated aggregate amortization expense at September 30, 2015 is listed below (in thousands): Year Estimated Expense 2015 $ 271 2016 986 2017 859 2018 734 2019 609 2020 and thereafter 742 Total $ 4,201

SECURITIES SOLD UNDER AGREEME26

SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE (Tables)	9 Months Ended
	Sep. 30, 2015
Disclosure of Repurchase Agreements [Abstract]
Summary of securities sold under agreements to repurchase	A summary of securities sold under agreements to repurchase as of September 30, 2015 and December 31, 2014 is as follows (in thousands): September 30, 2015 Overnight and Continuous Up to 1 Year 1 - 3 Years 3+ Years Total Obligations of U.S. Government and U.S. Government sponsored enterprises $ 12,303 $ — $ 11,183 $ — $ 23,486 Mortgage-backed securities, residential 8,546 — 13,020 — 21,566 Total $ 20,849 $ — $ 24,203 $ — 45,052 Excess collateral held (14,694 ) Gross amount of recognized liabilities for repurchase agreements $ 30,358 December 31, 2014 Overnight and Continuous Up to 1 Year 1 - 3 Years 3+ Years Total Obligations of U.S. Government and U.S. Government sponsored enterprises $ 21,056 $ — $ 6,990 $ 8,595 $ 36,641 Mortgage-backed securities, residential 669 — 3,507 4,174 8,350 Collateralized mortgage obligations — — 48 — 48 Total $ 21,725 $ — $ 10,545 $ 12,769 45,039 Excess collateral held (15,387 ) Gross amount of recognized liabilities for repurchase agreements $ 29,652

ACCUMULATED OTHER COMPREHENSI27

ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS (Tables)	9 Months Ended
	Sep. 30, 2015
Equity [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 June 30, 2015 $ 1,184 $ (10,298 ) $ (9,114 ) Other comprehensive income before reclassification 598 — 598 Amounts reclassified from accumulated other comprehensive income 7 223 230 Net current period other comprehensive gain 605 223 828 Balance at September 30, 2015 $ 1,789 $ (10,075 ) $ (8,286 ) Unrealized Gains and Losses on Securities Available for Sale Defined Benefit and Other Benefit Plans Total Balance at June 30, 2014 $ 6,962 $ (5,712 ) $ 1,250 Other comprehensive loss before reclassification (849 ) — (849 ) Amounts reclassified from accumulated other comprehensive income — 87 87 Net current period other comprehensive gain (loss) (849 ) 87 (762 ) Balance at September 30, 2014 $ 6,113 $ (5,625 ) $ 488 Unrealized Gains and Losses on Securities Available for Sale Defined Benefit and Other Benefit Plans Total Balance at December 31, 2014 $ 1,960 $ (10,745 ) $ (8,785 ) Other comprehensive income before reclassification 2 — 2 Amounts reclassified from accumulated other comprehensive income (173 ) 670 497 Net current period other comprehensive gain (loss) (171 ) 670 499 Balance at September 30, 2015 $ 1,789 $ (10,075 ) $ (8,286 ) Unrealized Gains and Losses on Securities Available for Sale Defined Benefit and Other Benefit Plans Total Balance at December 31, 2013 $ 6,043 $ (5,888 ) $ 155 Other comprehensive income before reclassification 391 — 391 Amounts reclassified from accumulated other comprehensive income (loss) (321 ) 263 (58 ) Net current period other comprehensive gain 70 263 333 Balance at September 30, 2014 $ 6,113 $ (5,625 ) $ 488
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 September 30, Affected Line Item 2015 2014 Unrealized gains and losses on securities available for sale: Realized losses on securities available for sale $ 11 $ — Net gains (losses) on securities transactions Tax effect (4 ) — Income tax expense (benefit) Net of tax 7 — Amortization of defined pension plan and other benefit plan items: Prior service costs (a) (22 ) (22 ) Pension and other employee benefits Actuarial losses (a) 384 169 Pension and other employee benefits Tax effect (139 ) (60 ) Income tax expense (benefit) Net of tax 223 87 Total reclassification for the period, net of tax $ 230 $ 87 (a) These accumulated other comprehensive income components are included in the computation of net periodic pension and other benefit plan costs (see Note 10 for additional information). Details about Accumulated Other Comprehensive Income Components Nine Months Ended September 30, Affected Line Item 2015 2014 Unrealized gains and losses on securities available for sale: Realized gains on securities available for sale $ (291 ) $ (522 ) Net gains on securities transactions Tax effect 118 201 Income tax expense (benefit) Net of tax (173 ) (321 ) Amortization of defined pension plan and other benefit plan items: Prior service costs (a) (65 ) (66 ) Pension and other employee benefits Actuarial losses (a) 1,151 499 Pension and other employee benefits Tax effect (416 ) (170 ) Income tax expense (benefit) Net of tax 670 263 Total reclassification for the period, net of tax $ 497 $ (58 ) (a) These accumulated other comprehensive income components are included in the computation of net periodic pension and other benefit plan costs (see Note 10 for additional information).

COMMITMENTS AND CONTINGENCIES (

COMMITMENTS AND CONTINGENCIES (Tables)	9 Months Ended
	Sep. 30, 2015
Commitments and Contingencies Disclosure [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 September 30, 2015 and December 31, 2014 (in thousands): September 30, 2015 December 31, 2014 Fixed Rate Variable Rate Fixed Rate Variable Rate Commitments to make loans $ 25,955 $ 26,904 $ 23,756 $ 11,082 Unused lines of credit $ 1,707 $ 189,001 $ 812 $ 185,235 Standby letters of credit $ — $ 14,303 $ — $ 16,747
Schedule of future rent payments	Minimum lease commitments, before considering renewal options, are as follows (in thousands): Years Annual Rent Total Rent 2016 - 2020 $ 133 $ 666 2021 - 2025 145 725 2026 - 2030 158 790 2031 - 2035 172 861 Total $ 3,042

COMPONENTS OF QUARTERLY AND Y29

COMPONENTS OF QUARTERLY AND YEAR TO DATE NET PERIODIC BENEFIT COSTS (Tables)	9 Months Ended
	Sep. 30, 2015
Compensation and Retirement Disclosure [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 September 30, Nine Months Ended September 30, 2015 2014 2015 2014 Qualified Pension Plan Service cost, benefits earned during the period $ 354 $ 271 $ 1,061 $ 813 Interest cost on projected benefit obligation 457 435 1,371 1,305 Expected return on plan assets (824 ) (793 ) (2,471 ) (2,379 ) Amortization of unrecognized transition obligation — — — — Amortization of unrecognized prior service cost 2 2 7 6 Amortization of unrecognized net loss 369 160 1,106 480 Net periodic pension cost $ 358 $ 75 $ 1,074 $ 225 Supplemental Pension Plan Service cost, benefits earned during the period $ 11 $ 10 $ 33 $ 30 Interest cost on projected benefit obligation 13 14 37 40 Expected return on plan assets — — — — Amortization of unrecognized prior service cost — — — — Amortization of unrecognized net loss 12 9 38 19 Net periodic supplemental pension cost $ 36 $ 33 $ 108 $ 89 Postretirement Plan, Medical and Life Service cost, benefits earned during the period $ 11 $ 11 $ 35 $ 33 Interest cost on projected benefit obligation 16 18 48 54 Expected return on plan assets — — — — Amortization of unrecognized prior service cost (24 ) (24 ) (72 ) (72 ) Amortization of unrecognized net loss 3 — 7 — Net periodic postretirement, medical and life cost $ 6 $ 5 $ 18 $ 15

SEGMENT REPORTING (Tables)

SEGMENT REPORTING (Tables)	9 Months Ended
	Sep. 30, 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. CFS amounts are the primary differences between segment amounts and consolidated totals, and are reflected in the Holding Company and CFS column below, along with amounts to eliminate transactions between segments (in thousands). Three months ended September 30, 2015 Core Banking WMG Holding Company and CFS Consolidated Totals Net interest income $ 12,690 $ — $ 1 $ 12,691 Provision for loan losses 307 — — 307 Net interest income after provision for loan losses 12,383 — 1 12,384 Other non-interest income 2,622 2,122 168 4,912 Other non-interest expenses 12,113 1,357 164 13,634 Income before income tax expense (benefit) 2,892 765 5 3,662 Income tax expense (benefit) 935 292 (16 ) 1,211 Segment net income $ 1,957 $ 473 $ 21 $ 2,451 Three months ended September 30, 2014 Core Banking WMG Holding Company and CFS Consolidated Totals Net interest income $ 12,424 $ — $ 2 $ 12,426 Provision for loan losses 589 — — 589 Net interest income after provision for loan losses 11,835 — 2 11,837 Other non-interest income 2,852 1,943 191 4,986 Other non-interest expenses 12,055 5,510 198 17,763 Income (loss) before income tax expense (benefit) 2,632 (3,567 ) (5 ) (940 ) Income tax expense (benefit) 769 (1,371 ) (19 ) (621 ) Segment net income (loss) $ 1,863 $ (2,196 ) $ 14 $ (319 ) Nine months ended September 30, 2015 Core Banking WMG Holding Company and CFS Consolidated Totals Net interest income $ 37,676 $ — $ 4 $ 37,680 Provision for loan losses 956 — — 956 Net interest income after provision for loan losses 36,720 — 4 36,724 Other non-interest income 8,261 6,446 717 15,424 Other non-interest expenses 36,388 4,051 754 41,193 Income (loss) before income tax expense (benefit) 8,593 2,395 (33 ) 10,955 Income tax expense (benefit) 2,798 915 (62 ) 3,651 Segment net income $ 5,795 $ 1,480 $ 29 $ 7,304 Segment assets $ 1,626,100 $ 4,392 $ 1,147 $ 1,631,639 Nine months ended September 30, 2014 Core Banking WMG Holding Company and CFS Consolidated Totals Net interest income $ 36,525 $ — $ 9 $ 36,534 Provision for loan losses 2,330 — — 2,330 Net interest income after provision for loan losses 34,195 — 9 34,204 Other non-interest income 8,930 5,816 610 15,356 Other non-interest expenses 35,836 8,199 650 44,685 Income (loss) before income tax expense (benefit) 7,289 (2,383 ) (31 ) 4,875 Income tax expense (benefit) 2,179 (916 ) (64 ) 1,199 Segment net income (loss) $ 5,110 $ (1,467 ) $ 33 $ 3,676 Segment assets $ 1,515,658 $ 6,332 $ 1,567 $ 1,523,557

STOCK COMPENSATION (Tables)

STOCK COMPENSATION (Tables)	9 Months Ended
	Sep. 30, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Summary of restricted stock activity	A summary of restricted stock activity for the three month period ended September 30, 2015 is presented below: Shares Weighted–Average Grant Date Fair Value Nonvested at July 1, 2015 26,015 $ 27.94 Granted — $ — Vested (200 ) $ 22.95 Forfeited or cancelled — $ — Nonvested at September 30, 2015 25,815 $ 27.98 A summary of restricted stock activity for the nine month period ended September 30, 2015 is presented below: Shares Weighted–Average Grant Date Fair Value Nonvested at January 1, 2015 26,428 $ 27.92 Granted — $ — Vested (613 ) $ 25.41 Forfeited or cancelled — $ — Nonvested at September 30, 2015 25,815 $ 27.98

EARNING PER COMMON SHARE (Detai

EARNING PER COMMON SHARE (Details) - shares	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Earnings Per Share [Abstract]
Weighted average number of shares outstanding (in shares)	4,722,000	4,684,000	4,715,000	4,681,000
Dilutive common stock equivalents (in shares)	0	0	0	0

SECURITIES, SECURITIES AVAILABL

SECURITIES, SECURITIES AVAILABLE FOR SALE (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014
Amortized cost and estimated fair value of securities available for sale [Abstract]
Amortized Cost	$ 332,674		$ 332,674		$ 277,323
Unrealized Gains	3,259		3,259		3,400
Unrealized Losses	362		362		216
Estimated Fair Value	335,571		335,571		280,507
Amortized Cost [Abstract]
Within one year	50,363		50,363
After one, but within five years	95,370		95,370
After five, but within ten years	23,687		23,687
After ten years	299		299
Total	169,719		169,719
Total	332,389		332,389
Fair Value [Abstract]
Within one year	50,779		50,779
After one, but within five years	96,694		96,694
After five, but within ten years	24,089		24,089
After ten years	299		299
Total	171,861		171,861
Total	335,110		335,110
Proceeds from sales and calls of securities resulting in gains or losses [Abstract]
Proceeds	2,936	$ 5,845	58,035	$ 55,610
Gross gains	24	0	326	522
Gross losses	(35)	0	(35)	0
Tax benefit	(5)	$ 0	111	$ 201
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	124,565		124,565		180,535
Unrealized Gains	1,463		1,463		1,300
Unrealized Losses	0		0		162
Estimated Fair Value	126,028		126,028		181,673
Mortgage-Backed Securities, Residential [Member]
Amortized cost and estimated fair value of securities available for sale [Abstract]
Amortized Cost	162,007		162,007		60,787
Unrealized Gains	917		917		892
Unrealized Losses	344		344		19
Estimated Fair Value	162,580		162,580		61,660
Amortized Cost [Abstract]
Without Single Maturity Date	162,007		162,007
Fair Value [Abstract]
Without Single Maturity Date	162,580		162,580
Collateralized Mortgage Obligations [Member]
Amortized cost and estimated fair value of securities available for sale [Abstract]
Amortized Cost					335
Unrealized Gains					3
Unrealized Losses					0
Estimated Fair Value					338
Obligations of States and Political Subdivisions [Member]
Amortized cost and estimated fair value of securities available for sale [Abstract]
Amortized Cost	43,907		43,907		30,677
Unrealized Gains	683		683		802
Unrealized Losses	17		17		28
Estimated Fair Value	44,573		44,573		31,451
Corporate Bonds and Notes [Member]
Amortized cost and estimated fair value of securities available for sale [Abstract]
Amortized Cost	1,247		1,247		1,502
Unrealized Gains	13		13		35
Unrealized Losses	0		0		4
Estimated Fair Value	1,260		1,260		1,533
SBA Loans Pools [Member]
Amortized cost and estimated fair value of securities available for sale [Abstract]
Amortized Cost	663		663		1,296
Unrealized Gains	7		7		11
Unrealized Losses	1		1		3
Estimated Fair Value	669		669		1,304
Amortized Cost [Abstract]
Without Single Maturity Date	663		663
Fair Value [Abstract]
Without Single Maturity Date	669		669
Trust Preferred Securities [Member]
Amortized cost and estimated fair value of securities available for sale [Abstract]
Amortized Cost					1,906
Unrealized Gains					122
Unrealized Losses					0
Estimated Fair Value					2,028
Corporate Stocks [Member]
Amortized cost and estimated fair value of securities available for sale [Abstract]
Amortized Cost	285		285		285
Unrealized Gains	176		176		235
Unrealized Losses	0		0		0
Estimated Fair Value	$ 461		$ 461		$ 520

SECURITIES, SECURITIES HELD TO

SECURITIES, SECURITIES HELD TO MATURITY (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Amortized cost and estimated fair value of securities held to maturity [Abstract]
Amortized Cost	$ 4,604	$ 5,831
Unrealized Gains	293	366
Unrealized Losses	0	0
Estimated Fair Value	4,897	6,197
Amortized Cost [Abstract]
Within one year	2,464
After one, but within five years	1,924
After five, but within ten years	216
After ten years	0
Total	4,604
Amortized Cost	4,604	5,831
Fair Value [Abstract]
Within one year	2,505
After one, but within five years	2,143
After five, but within ten years	249
After ten years	0
Total	4,897
Fair Value	4,897	6,197
Obligations of States and Political Subdivisions [Member]
Amortized cost and estimated fair value of securities held to maturity [Abstract]
Amortized Cost	4,409	5,175
Unrealized Gains	293	360
Unrealized Losses	0	0
Estimated Fair Value	4,702	5,535
Amortized Cost [Abstract]
Amortized Cost	4,409	5,175
Fair Value [Abstract]
Fair Value	4,702	5,535
Time Deposits with Other Financial Institutions [Member]
Amortized cost and estimated fair value of securities held to maturity [Abstract]
Amortized Cost	195	656
Unrealized Gains	0	6
Unrealized Losses	0	0
Estimated Fair Value	195	662
Amortized Cost [Abstract]
Amortized Cost	195	656
Fair Value [Abstract]
Fair Value	195	$ 662
Mortgage-Backed Securities, Residential [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 ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Available-for-sale securities in a continuous unrealized loss position, fair value [Abstract]
Less than 12 months	$ 69,793	$ 73,464
12 months or longer	1,178	6,560
Total	70,971	80,024
Available-for-sale securities in a continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months	359	150
12 months or longer	3	66
Total	362	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	65,248	11,051
12 months or longer	0	0
Total	65,248	11,051
Available-for-sale securities in a continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months	344	19
12 months or longer	0	0
Total	344	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	4,545	4,625
12 months or longer	921	1,056
Total	5,466	5,681
Available-for-sale securities in a continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months	15	22
12 months or longer	2	6
Total	17	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	257
Total	257
Available-for-sale securities in a continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months	0
12 months or longer	1
Total	$ 1
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 ($) $ in Thousands	3 Months Ended	9 Months Ended
	Mar. 31, 2014	Sep. 30, 2015	Sep. 30, 2014
Other than temporary impairment credit losses recognized in earnings [Roll Forward]
Beginning balance	$ 1,939	$ 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 37

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	$ 1,141,937	$ 1,121,574
Interest receivable on loans	2,694	2,780
Total	1,144,631	1,124,354
Commercial and Agricultural [Member]
Composition of loan portfolio [Abstract]
Total	176,549	166,820
Commercial and Agricultural [Member] | Commercial and Industrial [Member]
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	175,098	165,385
Total	175,503	165,797
Commercial and Agricultural [Member] | Agricultural [Member]
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	1,043	1,021
Total	1,046	1,023
Commercial Mortgages [Member]
Composition of loan portfolio [Abstract]
Total	489,493	453,719
Commercial Mortgages [Member] | Construction [Member]
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	45,579	54,831
Total	45,684	54,967
Commercial Mortgages [Member] | Commercial Mortgages Other [Member]
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	442,785	397,762
Total	443,809	398,752
Residential Mortgages [Member]
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	197,506	196,809
Total	198,008	197,287
Consumer Loans [Member]
Composition of loan portfolio [Abstract]
Total	280,581	306,528
Consumer Loans [Member] | Credit Cards [Member]
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	1,423	1,654
Total	1,423	1,654
Consumer Loans [Member] | Home Equity Lines and Loans [Member]
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	102,085	99,354
Total	102,334	99,591
Consumer Loans [Member] | Indirect Consumer Loans [Member]
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	157,059	184,763
Total	157,400	185,217
Consumer Loans [Member] | Direct Consumer Loans [Member]
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	19,359	19,995
Total	$ 19,424	$ 20,066

LOANS AND ALLOWANCE FOR LOAN 38

LOANS AND ALLOWANCE FOR LOAN LOSSES, ALLOWANCES (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014	Sep. 30, 2015	Dec. 31, 2014
Allowance for loan losses, by portfolio segment [Roll Forward]
Beginning balance	$ 14,028	$ 13,632	$ 13,686	$ 12,776	$ 12,776
Charge-offs	(418)	(1,443)	(1,091)	(2,939)
Recoveries	105	373	471	984
Net recoveries (charge-offs)	(313)	(1,070)	(620)	(1,955)
Provision	307	589	956	2,330
Ending balance	14,022	13,151	14,022	13,151	13,686
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment						$ 1,610	$ 1,235
Collectively evaluated for impairment						12,322	12,357
Total ending allowance balance	14,028	13,632	13,686	12,776	12,776	14,022	13,686
Loans [Abstract]
Loans individually evaluated for impairment						14,600	15,904
Loans collectively evaluated for impairment						1,127,917	1,105,819
Total ending loans balance						1,144,631	1,124,354
Loans Acquired with Deteriorated Credit Quality [Member]
Allowance for loan losses, by portfolio segment [Roll Forward]
Beginning balance			94
Ending balance	90		90		94
Ending allowance balance attributable to loans [Abstract]
Total ending allowance balance	90		94		94	90	94
Loans [Abstract]
Total ending loans balance						2,114	2,631
Commercial and Agricultural [Member]
Allowance for loan losses, by portfolio segment [Roll Forward]
Beginning balance	1,825	1,749	1,460	1,979	1,979
Charge-offs	(113)	(60)	(113)	(415)
Recoveries	26	138	64	331
Net recoveries (charge-offs)	(87)	78	(49)	(84)
Provision	(162)	(115)	165	(183)
Ending balance	1,576	1,712	1,576	1,712	1,460
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment						85	89
Collectively evaluated for impairment						1,491	1,335
Total ending allowance balance	1,825	1,749	1,460	1,979	1,979	1,576	1,460
Loans [Abstract]
Loans individually evaluated for impairment						1,088	1,452
Loans collectively evaluated for impairment						175,461	164,748
Total ending loans balance						176,549	166,820
Commercial and Agricultural [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Allowance for loan losses, by portfolio segment [Roll Forward]
Beginning balance			36
Ending balance	0		0		36
Ending allowance balance attributable to loans [Abstract]
Total ending allowance balance	0		36		36	0	36
Loans [Abstract]
Total ending loans balance						0	620
Commercial Mortgages [Member]
Allowance for loan losses, by portfolio segment [Roll Forward]
Beginning balance	6,625	6,912	6,326	6,243	6,243
Charge-offs	(1)	(878)	(29)	(1,236)
Recoveries	17	35	101	118
Net recoveries (charge-offs)	16	(843)	72	(1,118)
Provision	326	256	569	1,200
Ending balance	6,967	6,325	6,967	6,325	6,326
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment						1,525	1,145
Collectively evaluated for impairment						5,383	5,145
Total ending allowance balance	6,625	6,912	6,326	6,243	6,243	6,967	6,326
Loans [Abstract]
Loans individually evaluated for impairment						12,796	13,712
Loans collectively evaluated for impairment						474,848	438,246
Total ending loans balance						489,493	453,719
Commercial Mortgages [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Allowance for loan losses, by portfolio segment [Roll Forward]
Beginning balance			36
Ending balance	59		59		36
Ending allowance balance attributable to loans [Abstract]
Total ending allowance balance	59		36		36	59	36
Loans [Abstract]
Total ending loans balance						1,849	1,761
Residential Mortgages [Member]
Allowance for loan losses, by portfolio segment [Roll Forward]
Beginning balance	1,545	1,498	1,572	1,517	1,517
Charge-offs	0	(90)	(32)	(97)
Recoveries	0	0	0	28
Net recoveries (charge-offs)	0	(90)	(32)	(69)
Provision	7	24	12	(16)
Ending balance	1,552	1,432	1,552	1,432	1,572
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment						0	0
Collectively evaluated for impairment						1,521	1,550
Total ending allowance balance	1,545	1,498	1,572	1,517	1,517	1,552	1,572
Loans [Abstract]
Loans individually evaluated for impairment						239	254
Loans collectively evaluated for impairment						197,504	196,783
Total ending loans balance						198,008	197,287
Residential Mortgages [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Allowance for loan losses, by portfolio segment [Roll Forward]
Beginning balance			22
Ending balance	31		31		22
Ending allowance balance attributable to loans [Abstract]
Total ending allowance balance	31		22		22	31	22
Loans [Abstract]
Total ending loans balance						265	250
Consumer Loans [Member]
Allowance for loan losses, by portfolio segment [Roll Forward]
Beginning balance	4,033	3,473	4,328	3,037	3,037
Charge-offs	(304)	(415)	(917)	(1,191)
Recoveries	62	200	306	507
Net recoveries (charge-offs)	(242)	(215)	(611)	(684)
Provision	136	424	210	1,329
Ending balance	3,927	3,682	3,927	3,682	4,328
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment						0	1
Collectively evaluated for impairment						3,927	4,327
Total ending allowance balance	4,033	$ 3,473	4,328	$ 3,037	3,037	3,927	4,328
Loans [Abstract]
Loans individually evaluated for impairment						477	486
Loans collectively evaluated for impairment						280,104	306,042
Total ending loans balance						280,581	306,528
Consumer Loans [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Allowance for loan losses, by portfolio segment [Roll Forward]
Beginning balance			0
Ending balance	0		0		0
Ending allowance balance attributable to loans [Abstract]
Total ending allowance balance	$ 0		$ 0		$ 0	0	0
Loans [Abstract]
Total ending loans balance						$ 0	$ 0

LOANS AND ALLOWANCE FOR LOAN 39

LOANS AND ALLOWANCE FOR LOAN LOSSES, IMPAIRED LOANS (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014
Unpaid Principal Balance [Abstract]
Unpaid Principal Balance, Total	$ 14,730		$ 14,730		$ 16,124
Recorded Investment [Abstract]
Recorded Investment, Total	14,600		14,600		15,904
Allowance for Loan Losses Allocated	1,610		1,610		1,235
Average Recorded Investment [Abstract]
Average Recorded Investment, Total	14,951	$ 12,754	15,568	$ 12,543
Interest Income, Accrual Method [Abstract]
Interest Income, Accrual Method, Total	97	121	348	318
Commercial and Agricultural [Member] | Commercial and Industrial [Member]
Unpaid Principal Balance [Abstract]
With no related allowance, Unpaid Principal Balance	1,001		1,001		1,359
With related allowance, Unpaid Principal Balance	85		85		89
Recorded Investment [Abstract]
With no related allowance, Recorded Investment	1,003		1,003		1,364
With related allowance, Recorded Investment	85		85		89
Allowance for Loan Losses Allocated	85		85		89
Average Recorded Investment [Abstract]
With no related allowance, Average Recorded Investment	1,133	1,309	1,325	1,566
With related allowance, Average Recorded Investment	165	144	180	784
Interest Income, Accrual Method [Abstract]
With no related allowance, Interest Income, Accrual Method	15	11	47	26
With related allowance, Interest Income, Accrual Method	0	0	3	0
Commercial Mortgages [Member] | Construction [Member]
Unpaid Principal Balance [Abstract]
With no related allowance, Unpaid Principal Balance	357		357		1,927
Recorded Investment [Abstract]
With no related allowance, Recorded Investment	358		358		1,910
Average Recorded Investment [Abstract]
With no related allowance, Average Recorded Investment	402	1,924	1,153	2,231
Interest Income, Accrual Method [Abstract]
With no related allowance, Interest Income, Accrual Method	4	26	33	76
Commercial Mortgages [Member] | Commercial Mortgages Other [Member]
Unpaid Principal Balance [Abstract]
With no related allowance, Unpaid Principal Balance	7,520		7,520		7,803
With related allowance, Unpaid Principal Balance	5,055		5,055		4,210
Recorded Investment [Abstract]
With no related allowance, Recorded Investment	7,433		7,433		7,708
With related allowance, Recorded Investment	5,005		5,005		4,094
Allowance for Loan Losses Allocated	1,525		1,525		1,145
Average Recorded Investment [Abstract]
With no related allowance, Average Recorded Investment	7,556	7,909	7,765	6,806
With related allowance, Average Recorded Investment	4,975	1,233	4,418	912
Interest Income, Accrual Method [Abstract]
With no related allowance, Interest Income, Accrual Method	70	82	196	211
With related allowance, Interest Income, Accrual Method	1	0	48	0
Residential Mortgages [Member]
Unpaid Principal Balance [Abstract]
With no related allowance, Unpaid Principal Balance	238		238		253
Recorded Investment [Abstract]
With no related allowance, Recorded Investment	239		239		253
Average Recorded Investment [Abstract]
With no related allowance, Average Recorded Investment	241	110	246	114
Interest Income, Accrual Method [Abstract]
With no related allowance, Interest Income, Accrual Method	1	0	3	0
Consumer Loans [Member] | Home Equity Lines and Loans [Member]
Unpaid Principal Balance [Abstract]
With no related allowance, Unpaid Principal Balance	474		474		429
With related allowance, Unpaid Principal Balance	0		0		54
Recorded Investment [Abstract]
With no related allowance, Recorded Investment	477		477		432
With related allowance, Recorded Investment	0		0		54
Allowance for Loan Losses Allocated	0		0		$ 1
Average Recorded Investment [Abstract]
With no related allowance, Average Recorded Investment	479	69	468	72
With related allowance, Average Recorded Investment	0	56	13	58
Interest Income, Accrual Method [Abstract]
With no related allowance, Interest Income, Accrual Method	6	1	18	2
With related allowance, Interest Income, Accrual Method	$ 0	$ 1	$ 0	$ 3

LOANS AND ALLOWANCE FOR LOAN 40

LOANS AND ALLOWANCE FOR LOAN LOSSES, RECEIVABLES PAST DUE (Details) - USD ($) $ in Thousands		Sep. 30, 2015		Dec. 31, 2014
Aging of the recorded investment in loans past due [Abstract]
Current		$ 1,126,481		$ 1,103,760
Non-Accrual		12,368	[1]	7,778	[2]
Total ending loans balance		1,144,631		1,124,354
Current [Member]
Aging of the recorded investment in loans past due [Abstract]
Non-Accrual	[2]	3,000		2,900
30 to 89 Days Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
Past Due		3,654		8,731
Non-Accrual	[2]	3,500		1,700
90 Days or More Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
90 Days or more Past Due and accruing		14		1,454
Non-Accrual	[2]	5,900		3,200
Loans Acquired with Deteriorated Credit Quality [Member]
Aging of the recorded investment in loans past due [Abstract]
Total ending loans balance		2,114		2,631
Commercial and Agricultural [Member]
Aging of the recorded investment in loans past due [Abstract]
Total ending loans balance		176,549		166,820
Commercial and Agricultural [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Aging of the recorded investment in loans past due [Abstract]
Total ending loans balance		0		620
Commercial and Agricultural [Member] | Commercial and Industrial [Member]
Aging of the recorded investment in loans past due [Abstract]
Current		175,397		164,109
Non-Accrual		94	[1]	312	[2]
Total ending loans balance		175,503		165,797
Commercial and Agricultural [Member] | Commercial and Industrial [Member] | 30 to 89 Days Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
Past Due		11		756
Commercial and Agricultural [Member] | Commercial and Industrial [Member] | 90 Days or More Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
90 Days or more Past Due and accruing		1		0
Commercial and Agricultural [Member] | Commercial and Industrial [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Aging of the recorded investment in loans past due [Abstract]
Total ending loans balance		0		620
Commercial and Agricultural [Member] | Agricultural [Member]
Aging of the recorded investment in loans past due [Abstract]
Current		1,046		1,023
Non-Accrual		0	[1]	0	[2]
Total ending loans balance		1,046		1,023
Commercial and Agricultural [Member] | Agricultural [Member] | 30 to 89 Days Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
Past Due		0		0
Commercial and Agricultural [Member] | Agricultural [Member] | 90 Days or More Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
90 Days or more Past Due and accruing		0		0
Commercial and Agricultural [Member] | Agricultural [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Aging of the recorded investment in loans past due [Abstract]
Total ending loans balance		0		0
Commercial Mortgages [Member]
Aging of the recorded investment in loans past due [Abstract]
Total ending loans balance		489,493		453,719
Commercial Mortgages [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Aging of the recorded investment in loans past due [Abstract]
Total ending loans balance		1,849		1,761
Commercial Mortgages [Member] | Construction [Member]
Aging of the recorded investment in loans past due [Abstract]
Current		45,620		53,371
Non-Accrual		64	[1]	150	[2]
Total ending loans balance		45,684		54,967
Commercial Mortgages [Member] | Construction [Member] | 30 to 89 Days Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
Past Due		0		0
Commercial Mortgages [Member] | Construction [Member] | 90 Days or More Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
90 Days or more Past Due and accruing		0		1,446
Commercial Mortgages [Member] | Construction [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Aging of the recorded investment in loans past due [Abstract]
Total ending loans balance		0		0
Commercial Mortgages [Member] | Commercial Mortgages Other [Member]
Aging of the recorded investment in loans past due [Abstract]
Current		434,476		391,096
Non-Accrual		7,212	[1]	2,831	[2]
Total ending loans balance		443,809		398,752
Commercial Mortgages [Member] | Commercial Mortgages Other [Member] | 30 to 89 Days Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
Past Due		272		3,064
Commercial Mortgages [Member] | Commercial Mortgages Other [Member] | 90 Days or More Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
90 Days or more Past Due and accruing		0		0
Commercial Mortgages [Member] | Commercial Mortgages Other [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Aging of the recorded investment in loans past due [Abstract]
Total ending loans balance		1,849		1,761
Residential Mortgages [Member]
Aging of the recorded investment in loans past due [Abstract]
Current		192,719		191,089
Non-Accrual		3,900	[1]	3,615	[2]
Total ending loans balance		198,008		197,287
Residential Mortgages [Member] | 30 to 89 Days Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
Past Due		1,124		2,333
Residential Mortgages [Member] | 90 Days or More Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
90 Days or more Past Due and accruing		0		0
Residential Mortgages [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Aging of the recorded investment in loans past due [Abstract]
Total ending loans balance		265		250
Consumer Loans [Member]
Aging of the recorded investment in loans past due [Abstract]
Total ending loans balance		280,581		306,528
Consumer Loans [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Aging of the recorded investment in loans past due [Abstract]
Total ending loans balance		0		0
Consumer Loans [Member] | Credit Cards [Member]
Aging of the recorded investment in loans past due [Abstract]
Current		1,383		1,641
Non-Accrual		0	[1]	0	[2]
Total ending loans balance		1,423		1,654
Consumer Loans [Member] | Credit Cards [Member] | 30 to 89 Days Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
Past Due		27		5
Consumer Loans [Member] | Credit Cards [Member] | 90 Days or More Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
90 Days or more Past Due and accruing		13		8
Consumer Loans [Member] | Credit Cards [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Aging of the recorded investment in loans past due [Abstract]
Total ending loans balance		0		0
Consumer Loans [Member] | Home Equity Lines and Loans [Member]
Aging of the recorded investment in loans past due [Abstract]
Current		101,188		98,340
Non-Accrual		811	[1]	515	[2]
Total ending loans balance		102,334		99,591
Consumer Loans [Member] | Home Equity Lines and Loans [Member] | 30 to 89 Days Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
Past Due		335		736
Consumer Loans [Member] | Home Equity Lines and Loans [Member] | 90 Days or More Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
90 Days or more Past Due and accruing		0		0
Consumer Loans [Member] | Home Equity Lines and Loans [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Aging of the recorded investment in loans past due [Abstract]
Total ending loans balance		0		0
Consumer Loans [Member] | Indirect Consumer Loans [Member]
Aging of the recorded investment in loans past due [Abstract]
Current		155,327		183,103
Non-Accrual		269	[1]	325	[2]
Total ending loans balance		157,400		185,217
Consumer Loans [Member] | Indirect Consumer Loans [Member] | 30 to 89 Days Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
Past Due		1,804		1,789
Consumer Loans [Member] | Indirect Consumer Loans [Member] | 90 Days or More Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
90 Days or more Past Due and accruing		0		0
Consumer Loans [Member] | Indirect Consumer Loans [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Aging of the recorded investment in loans past due [Abstract]
Total ending loans balance		0		0
Consumer Loans [Member] | Direct Consumer Loans [Member]
Aging of the recorded investment in loans past due [Abstract]
Current		19,325		19,988
Non-Accrual		18	[1]	30	[2]
Total ending loans balance		19,424		20,066
Consumer Loans [Member] | Direct Consumer Loans [Member] | 30 to 89 Days Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
Past Due		81		48
Consumer Loans [Member] | Direct Consumer Loans [Member] | 90 Days or More Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
90 Days or more Past Due and accruing		0		0
Consumer Loans [Member] | Direct Consumer Loans [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Aging of the recorded investment in loans past due [Abstract]
Total ending loans balance		$ 0		$ 0
[1]	Includes all loans on non-accrual status regardless of the number of days such loans were past due as of September 30, 2015. The past due status of non-accrual loans as of September 30, 2015 were as follows: $3.0 million in current, $3.5 million in 30-89 days past due, and $5.9 million in 90 days or more past due.
[2]	Includes all loans on non-accrual status regardless of the number of days such loans were past due as of December 31, 2014. The past due status of non-accrual loans as of December 31, 2014 were as follows: $2.9 million in current, $1.7 million in 30-89 days past due, and $3.2 million in 90 days or more past due.

LOANS AND ALLOWANCE FOR LOAN 41

LOANS AND ALLOWANCE FOR LOAN LOSSES, TROUBLED DEBT RESTRUCTURING (Details)	3 Months Ended		9 Months Ended
	Sep. 30, 2015USD ($)Loan	Sep. 30, 2014USD ($)Loan	Sep. 30, 2015USD ($)Loan	Sep. 30, 2014USD ($)Loan	Dec. 31, 2014USD ($)
Troubled Debt Restructurings [Abstract]
Recorded investment in troubled debt restructurings	$ 9,400,000		$ 9,400,000		$ 9,700,000
Troubled debt restructuring reserve	500,000		500,000		300,000
Troubled debt restructurings accruing interest under modified terms	7,100,000		7,100,000		8,700,000
Troubled debt restructurings on non-accrual status	2,300,000		2,300,000		1,000,000
Additional amounts committed to customers with loans classified as troubled debt restructurings	$ 600,000		$ 600,000		$ 100,000
Loans by class modified as troubled debt restructurings [Abstract]
Number of Loans | Loan	1	3	3	6
Pre-Modification Outstanding Recorded Investment	$ 432,000	$ 2,274,000	$ 1,019,000	$ 3,144,000
Post-Modification Outstanding Recorded Investment	$ 432,000	$ 2,274,000	1,019,000	3,100,000
Troubled debt restructuring, charge offs			100,000	100,000
Increase in allowance for loan losses related to troubled debt restructurings			$ 0	$ 0
Number of days past due after which loan considered as payment default			90 days
Commercial and Agricultural [Member] | Commercial and Industrial [Member]
Loans by class modified as troubled debt restructurings [Abstract]
Number of Loans | Loan		2	1	3
Pre-Modification Outstanding Recorded Investment		$ 405,000	$ 477,000	$ 908,000
Post-Modification Outstanding Recorded Investment		$ 405,000	$ 477,000	$ 908,000
Commercial Mortgages [Member] | Commercial Mortgages Other [Member]
Loans by class modified as troubled debt restructurings [Abstract]
Number of Loans | Loan	1	1	2	3
Pre-Modification Outstanding Recorded Investment	$ 432,000	$ 1,869,000	$ 542,000	$ 2,236,000
Post-Modification Outstanding Recorded Investment	$ 432,000	$ 1,869,000	$ 542,000	$ 2,192,000

LOANS AND ALLOWANCE FOR LOAN 42

LOANS AND ALLOWANCE FOR LOAN LOSSES, CREDIT QUALITY INDICATOR (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2015	Dec. 31, 2014
Finance receivable by credit quality indicator [Abstract]
Loans	$ 1,144,631	$ 1,144,631	$ 1,124,354
Deteriorated Loans Transferred in [Abstract]
Contractually required principal and interest, opening balance	3,036	3,621
Contractually required principal and interest, income accretion	0	0
Contractually required principal and interest, all other adjustments	(69)	(654)
Contractually required principal and interest, closing balance	2,967	2,967
Contractual cash flows not expected to be collected (nonaccretable discount), opening balance	(568)	(570)
Contractual cash flows not expected to be collected (nonaccretable discount), income accretion	0	0
Contractual cash flows not expected to be collected (nonaccretable discount), all other adjustments	19	21
Contractual cash flows not expected to be collected (nonaccretable discount), closing balance	(549)	(549)
Cash flows expected to be collected, opening balance	2,468	3,051
Cash flows expected to be collected, income accretion	0	0
Cash flows expected to be collected, all other adjustments	(50)	(633)
Cash flows expected to be collected, closing balance	2,418	2,418
Interest component of expected cash flows (accretable yield), opening balance	(324)	(420)
Interest component of expected cash flows (accretable yield), income accretion	39	138
Interest component of expected cash flows (accretable yield), all other adjustments	(19)	(22)
Interest component of expected cash flows (accretable yield), closing balance	(304)	(304)
Fair value of loans acquired with deteriorating credit quality, opening balance	2,144	2,631
Fair value of loans acquired with deteriorating credit quality, income accretion	39	138
Fair value of loans acquired with deteriorating credit quality, all other adjustments	(69)	(655)
Fair value of loans acquired with deteriorating credit quality, closing balance	2,114	2,114
Loans Acquired with Deteriorated Credit Quality [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	2,114	2,114	2,631
Not Rated [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	473,274	473,274	499,137
Pass [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	629,362	629,362	576,136
Special Mention [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	16,211	16,211	27,858
Substandard [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	19,434	19,434	18,150
Doubtful [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	4,236	4,236	442
Commercial and Agricultural [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	176,549	176,549	166,820
Commercial and Agricultural [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0	620
Commercial and Agricultural [Member] | Commercial and Industrial [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	175,503	175,503	165,797
Commercial and Agricultural [Member] | Commercial and Industrial [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0	620
Commercial and Agricultural [Member] | Commercial and Industrial [Member] | Not Rated [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0	0
Commercial and Agricultural [Member] | Commercial and Industrial [Member] | Pass [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	170,179	170,179	158,140
Commercial and Agricultural [Member] | Commercial and Industrial [Member] | Special Mention [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	3,718	3,718	3,695
Commercial and Agricultural [Member] | Commercial and Industrial [Member] | Substandard [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	1,521	1,521	3,306
Commercial and Agricultural [Member] | Commercial and Industrial [Member] | Doubtful [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	85	85	36
Commercial and Agricultural [Member] | Agricultural [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	1,046	1,046	1,023
Commercial and Agricultural [Member] | Agricultural [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0	0
Commercial and Agricultural [Member] | Agricultural [Member] | Not Rated [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0	0
Commercial and Agricultural [Member] | Agricultural [Member] | Pass [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	1,046	1,046	1,023
Commercial and Agricultural [Member] | Agricultural [Member] | Special Mention [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0	0
Commercial and Agricultural [Member] | Agricultural [Member] | Substandard [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0	0
Commercial and Agricultural [Member] | Agricultural [Member] | Doubtful [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0	0
Commercial Mortgages [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	489,493	489,493	453,719
Commercial Mortgages [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	1,849	1,849	1,761
Commercial Mortgages [Member] | Construction [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	45,684	45,684	54,967
Commercial Mortgages [Member] | Construction [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0	0
Commercial Mortgages [Member] | Construction [Member] | Not Rated [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0	0
Commercial Mortgages [Member] | Construction [Member] | Pass [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	45,326	45,326	51,525
Commercial Mortgages [Member] | Construction [Member] | Special Mention [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	293	293	3,292
Commercial Mortgages [Member] | Construction [Member] | Substandard [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	65	65	150
Commercial Mortgages [Member] | Construction [Member] | Doubtful [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0	0
Commercial Mortgages [Member] | Commercial Mortgages Other [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	443,809	443,809	398,752
Commercial Mortgages [Member] | Commercial Mortgages Other [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	1,849	1,849	1,761
Commercial Mortgages [Member] | Commercial Mortgages Other [Member] | Not Rated [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0	0
Commercial Mortgages [Member] | Commercial Mortgages Other [Member] | Pass [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	412,811	412,811	365,448
Commercial Mortgages [Member] | Commercial Mortgages Other [Member] | Special Mention [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	12,200	12,200	20,871
Commercial Mortgages [Member] | Commercial Mortgages Other [Member] | Substandard [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	12,798	12,798	10,266
Commercial Mortgages [Member] | Commercial Mortgages Other [Member] | Doubtful [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	4,151	4,151	406
Residential Mortgages [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	198,008	198,008	197,287
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	198,008	198,008	197,287
Residential Mortgages [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	265	265	250
Residential Mortgages [Member] | Performing [Member]
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	194,108	194,108	193,672
Residential Mortgages [Member] | Non-Performing [Member]
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	3,900	3,900	3,615
Residential Mortgages [Member] | Not Rated [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	193,843	193,843	193,422
Residential Mortgages [Member] | Pass [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0	0
Residential Mortgages [Member] | Special Mention [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0	0
Residential Mortgages [Member] | Substandard [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	3,900	3,900	3,615
Residential Mortgages [Member] | Doubtful [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0	0
Consumer Loans [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	280,581	280,581	306,528
Consumer Loans [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0	0
Consumer Loans [Member] | Credit Cards [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	1,423	1,423	1,654
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	1,423	1,423	1,654
Consumer Loans [Member] | Credit Cards [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0	0
Consumer Loans [Member] | Credit Cards [Member] | Performing [Member]
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	1,423	1,423	1,654
Consumer Loans [Member] | Credit Cards [Member] | Non-Performing [Member]
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	0	0	0
Consumer Loans [Member] | Credit Cards [Member] | Not Rated [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	1,423	1,423	1,654
Consumer Loans [Member] | Credit Cards [Member] | Pass [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0	0
Consumer Loans [Member] | Credit Cards [Member] | Special Mention [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0	0
Consumer Loans [Member] | Credit Cards [Member] | Substandard [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0	0
Consumer Loans [Member] | Credit Cards [Member] | Doubtful [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0	0
Consumer Loans [Member] | Home Equity Lines and Loans [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	102,334	102,334	99,591
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	102,334	102,334	99,591
Consumer Loans [Member] | Home Equity Lines and Loans [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0	0
Consumer Loans [Member] | Home Equity Lines and Loans [Member] | Performing [Member]
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	101,523	101,523	99,076
Consumer Loans [Member] | Home Equity Lines and Loans [Member] | Non-Performing [Member]
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	811	811	515
Consumer Loans [Member] | Home Equity Lines and Loans [Member] | Not Rated [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	101,515	101,515	99,076
Consumer Loans [Member] | Home Equity Lines and Loans [Member] | Pass [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0	0
Consumer Loans [Member] | Home Equity Lines and Loans [Member] | Special Mention [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0	0
Consumer Loans [Member] | Home Equity Lines and Loans [Member] | Substandard [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	819	819	515
Consumer Loans [Member] | Home Equity Lines and Loans [Member] | Doubtful [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0	0
Consumer Loans [Member] | Indirect Consumer Loans [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	157,400	157,400	185,217
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	157,400	157,400	185,217
Consumer Loans [Member] | Indirect Consumer Loans [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0	0
Consumer Loans [Member] | Indirect Consumer Loans [Member] | Performing [Member]
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	157,131	157,131	184,892
Consumer Loans [Member] | Indirect Consumer Loans [Member] | Non-Performing [Member]
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	269	269	325
Consumer Loans [Member] | Indirect Consumer Loans [Member] | Not Rated [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	157,087	157,087	184,940
Consumer Loans [Member] | Indirect Consumer Loans [Member] | Pass [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0	0
Consumer Loans [Member] | Indirect Consumer Loans [Member] | Special Mention [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0	0
Consumer Loans [Member] | Indirect Consumer Loans [Member] | Substandard [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	313	313	277
Consumer Loans [Member] | Indirect Consumer Loans [Member] | Doubtful [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0	0
Consumer Loans [Member] | Direct Consumer Loans [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	19,424	19,424	20,066
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	19,424	19,424	20,066
Consumer Loans [Member] | Direct Consumer Loans [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0	0
Consumer Loans [Member] | Direct Consumer Loans [Member] | Performing [Member]
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	19,406	19,406	20,036
Consumer Loans [Member] | Direct Consumer Loans [Member] | Non-Performing [Member]
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	18	18	30
Consumer Loans [Member] | Direct Consumer Loans [Member] | Not Rated [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	19,406	19,406	20,045
Consumer Loans [Member] | Direct Consumer Loans [Member] | Pass [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0	0
Consumer Loans [Member] | Direct Consumer Loans [Member] | Special Mention [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0	0	0
Consumer Loans [Member] | Direct Consumer Loans [Member] | Substandard [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	18	18	21
Consumer Loans [Member] | Direct Consumer Loans [Member] | Doubtful [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	$ 0	$ 0	$ 0

FAIR VALUE (Details)

FAIR VALUE (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Financial Assets [Abstract]
Total available for sale securities	$ 335,571	$ 280,507
Trading assets	636	549
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Financial Assets [Abstract]
Total available for sale securities	14,932	31,219
Significant Other Observable Inputs (Level 2) [Member]
Financial Assets [Abstract]
Total available for sale securities	320,639	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	126,028	181,673
Mortgage-backed securities, residential	162,580	61,660
Collateralized mortgage obligations		338
Obligations of states and political subdivisions	44,573	31,451
Corporate bonds and notes	1,260	1,533
SBA loan pools	669	1,304
Trust Preferred securities		2,028
Corporate stocks	461	520
Total available for sale securities	335,571	280,507
Trading assets	636	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	14,878	31,115
Mortgage-backed securities, residential	0	0
Collateralized mortgage obligations		0
Obligations of states and political subdivisions	0	0
Corporate bonds and notes	0	0
SBA loan pools	0	0
Trust Preferred securities		0
Corporate stocks	54	104
Total available for sale securities	14,932	31,219
Trading assets	636	549
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Financial Assets [Abstract]
Obligations of U.S. Government and U.S. Government sponsored enterprises	111,150	150,558
Mortgage-backed securities, residential	162,580	61,660
Collateralized mortgage obligations		338
Obligations of states and political subdivisions	44,573	31,451
Corporate bonds and notes	1,260	1,533
SBA loan pools	669	1,304
Trust Preferred securities		2,028
Corporate stocks	407	416
Total available for sale securities	320,639	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
Obligations of states and political subdivisions	0	0
Corporate bonds and notes	0	0
SBA loan pools	0	0
Trust Preferred securities		0
Corporate stocks	0	0
Total available for sale securities	0	0
Trading assets	0	0
Impaired Loans [Member] | Non-recurring [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Commercial mortgages	3,481	3,593
Consumer loans [Abstract]
Home equity lines and loans		52
Total impaired loans	3,481	3,645
Impaired Loans [Member] | Non-recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [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
Impaired Loans [Member] | Non-recurring [Member] | Significant Other Observable Inputs (Level 2) [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
Impaired Loans [Member] | Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Commercial mortgages	3,481	3,593
Consumer loans [Abstract]
Home equity lines and loans		52
Total impaired loans	3,481	3,645
Other real estate owned [Member]
Consumer loans [Abstract]
Total other real estate owned, net	2,500	3,100
Other real estate owned [Member] | Non-recurring [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Commercial mortgages	2,376	3,063
Consumer loans [Abstract]
Home equity lines and loans		2
Total other real estate owned, net	2,376	3,065
Other real estate owned [Member] | Non-recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Commercial mortgages	0	0
Consumer loans [Abstract]
Home equity lines and loans		0
Total other real estate owned, net	0	0
Other real estate owned [Member] | Non-recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Commercial mortgages	0	0
Consumer loans [Abstract]
Home equity lines and loans		0
Total other real estate owned, net	0	0
Other real estate owned [Member] | Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Commercial mortgages	2,376	3,063
Consumer loans [Abstract]
Home equity lines and loans		2
Total other real estate owned, net	$ 2,376	$ 3,065

FAIR VALUE, Quantitative Inform

FAIR VALUE, Quantitative Information (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014
Information related to Level 3 non-recurring fair value measurement [Abstract]
Impaired loan valuation allowance	$ 1,610		$ 1,610		$ 1,235
Increase (decrease) in provision for loan losses	307	$ 589	956	$ 2,330
Impaired Loans [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Carrying amount of impaired loans	5,100		5,100		4,900
Impaired loan valuation allowance	1,600		1,600		1,200
Increase (decrease) in provision for loan losses	77		331		232
Impaired Loans [Member] | Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Third Party Appraisals [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Fair value	3,481		$ 3,481		$ 3,645
Unobservable input			Appraisal adjustments by management for qualitative factors such as market conditions and collateral characteristics		Appraisal adjustments by management for qualitative factors such as market conditions and collateral characteristics
Impaired Loans [Member] | Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Third Party Appraisals [Member] | Maximum [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Discount rate (in hundredths)			100.00%		100.00%
Impaired Loans [Member] | Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Third Party Appraisals [Member] | Minimum [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Discount rate (in hundredths)			0.00%		0.00%
Other real estate owned [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Other real estate owned valuation allowance	120		$ 120		$ 2
Other real estate owned expense associated with valuation allowance	120		120		0
Outstanding balance of OREO	2,500		2,500		3,100
Other real estate owned [Member] | Non-recurring [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Outstanding balance of OREO	2,376		2,376		3,065
Other real estate owned [Member] | Non-recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Outstanding balance of OREO	0		0		0
Other real estate owned [Member] | Non-recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Outstanding balance of OREO	0		0		0
Other real estate owned [Member] | Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Outstanding balance of OREO	2,376		2,376		3,065
Other real estate owned [Member] | Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Third Party Appraisals [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Fair value	$ 2,376		$ 2,376		$ 3,065
Unobservable input			Appraisal adjustments by management for qualitative factors such as market conditions and estimated liquidation expenses		Appraisal adjustments by management for qualitative factors such as market conditions and estimated liquidation expenses
Discount rate (in hundredths)			31.00%
Other real estate owned [Member] | Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Third Party Appraisals [Member] | Maximum [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Discount rate (in hundredths)					27.00%
Other real estate owned [Member] | Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Third Party Appraisals [Member] | Minimum [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Discount rate (in hundredths)					7.00%

FAIR VALUE, Carrying Amounts an

FAIR VALUE, Carrying Amounts and Estimated Fair values of Other Financial Instruments (Details) - USD ($) $ in Thousands		Sep. 30, 2015		Dec. 31, 2014
Financial Assets [Abstract]
Cash and due from financial institutions		$ 30,800		$ 28,130
Interest-bearing deposits in other financial institutions		44,449		1,033
Securities available for sale		335,571		280,507
Securities held to maturity		4,604		5,831
Loans, net		1,127,915		1,107,888
Accrued interest receivable		2,694		2,780
Deposits [Abstract]
Securities sold under agreements to repurchase		30,358		29,652
FHLBNY overnight advances		0		30,830
FHLBNY term advances		19,230		19,310
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Financial Assets [Abstract]
Cash and due from financial institutions		30,800		28,130
Interest-bearing deposits in other financial institutions		44,449		1,033
Trading assets		636		549
Securities available for sale		14,932		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		113		145
Deposits [Abstract]
Demand, savings, and insured money market accounts		1,237,236		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		15		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		320,639		249,288
Securities held to maturity		4,897		6,197
FHLBNY and FRBNY stock		0		0
Loans, net		0		0
Loans held for sale		319		665
Accrued interest receivable		1,471		1,295
Deposits [Abstract]
Demand, savings, and insured money market accounts		0		0
Time deposits		173,639		212,397
Securities sold under agreements to repurchase		31,232		30,853
FHLBNY overnight advances				30,832
FHLBNY term advances		19,853		20,235
Accrued interest payable		192		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		1,152,781		1,135,590
Loans held for sale		0		0
Accrued interest receivable		2,668		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		0
FHLBNY term advances		0		0
Accrued interest payable		0		0
Carrying Amount [Member]
Financial Assets [Abstract]
Cash and due from financial institutions		30,800		28,130
Interest-bearing deposits in other financial institutions		44,449		1,033
Trading assets		636		549
Securities available for sale		335,571		280,507
Securities held to maturity		4,604		5,831
FHLBNY and FRBNY stock		4,171		5,535
Loans, net		1,127,915		1,107,888
Loans held for sale		316		665
Accrued interest receivable		4,252		4,185
Deposits [Abstract]
Demand, savings, and insured money market accounts		1,237,236		1,068,171
Time deposits		173,205		211,843
Securities sold under agreements to repurchase		30,358		29,652
FHLBNY overnight advances				30,830
FHLBNY term advances		19,230		19,310
Accrued interest payable		207		237
Estimated Fair Value [Member]
Financial Assets [Abstract]
Cash and due from financial institutions		30,800	[1]	28,130	[2]
Interest-bearing deposits in other financial institutions		44,449	[1]	1,033	[2]
Trading assets		636	[1]	549	[2]
Securities available for sale		335,571	[1]	280,507	[2]
Securities held to maturity		4,897	[1]	6,197	[2]
Loans, net		1,152,781	[1]	1,135,590	[2]
Loans held for sale		319	[1]	665	[2]
Accrued interest receivable		4,252	[1]	4,185	[2]
Deposits [Abstract]
Demand, savings, and insured money market accounts		1,237,236	[1]	1,068,171	[2]
Time deposits		173,639	[1]	212,397	[2]
Securities sold under agreements to repurchase		31,232	[1]	30,853	[2]
FHLBNY overnight advances	[2]			30,832
FHLBNY term advances		19,853	[1]	20,235	[2]
Accrued interest payable		$ 207	[1]	$ 237	[2]
[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.
[2]	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 ASSET46

GOODWILL AND INTANGIBLE ASSETS (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014
Goodwill [Roll Forward]
Beginning of year			$ 21,824	$ 21,824	$ 21,824
Acquired goodwill			0	0
September 30	$ 21,824	$ 21,824	21,824	21,824	21,824
Finite-lived intangible assets, net [Abstract]
Balance Acquired			11,608		11,608
Accumulated Amortization	7,407		7,407		6,541
Aggregate amortization expense	277	$ 324	866	$ 993
Finite-lived intangible assets, future amortization expense [Abstract]
2,015	271		271
2,016	986		986
2,017	859		859
2,018	734		734
2,019	609		609
2020 and thereafter	742		742
Total	4,201		4,201
Core Deposit Intangibles [Member]
Finite-lived intangible assets, net [Abstract]
Balance Acquired			5,975		5,975
Accumulated Amortization	3,875		3,875		3,279
Other Customer Relationship Intangibles [Member]
Finite-lived intangible assets, net [Abstract]
Balance Acquired			5,633		5,633
Accumulated Amortization	$ 3,532		$ 3,532		$ 3,262

SECURITIES SOLD UNDER AGREEME47

SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Summary of securities sold under agreements to repurchase [Abstract]
Securities sold under agreements to repurchase	$ 45,052	$ 45,039
Excess collateral held	(14,694)	(15,387)
Gross amount of recognized liabilities for repurchase agreements	30,358	29,652
Obligations of U.S. Government and U.S. Government Sponsored Enterprises [Member]
Summary of securities sold under agreements to repurchase [Abstract]
Securities sold under agreements to repurchase	23,486	36,641
Mortgage-Backed Securities, Residential [Member]
Summary of securities sold under agreements to repurchase [Abstract]
Securities sold under agreements to repurchase	21,566	8,350
Collateralized Mortgage Obligations [Member]
Summary of securities sold under agreements to repurchase [Abstract]
Securities sold under agreements to repurchase		48
Overnight and Continuous [Member]
Summary of securities sold under agreements to repurchase [Abstract]
Securities sold under agreements to repurchase	20,849	21,725
Overnight and Continuous [Member] | Obligations of U.S. Government and U.S. Government Sponsored Enterprises [Member]
Summary of securities sold under agreements to repurchase [Abstract]
Securities sold under agreements to repurchase	12,303	21,056
Overnight and Continuous [Member] | Mortgage-Backed Securities, Residential [Member]
Summary of securities sold under agreements to repurchase [Abstract]
Securities sold under agreements to repurchase	8,546	669
Overnight and Continuous [Member] | Collateralized Mortgage Obligations [Member]
Summary of securities sold under agreements to repurchase [Abstract]
Securities sold under agreements to repurchase		0
Up to 1 Year [Member]
Summary of securities sold under agreements to repurchase [Abstract]
Securities sold under agreements to repurchase	0	0
Up to 1 Year [Member] | Obligations of U.S. Government and U.S. Government Sponsored Enterprises [Member]
Summary of securities sold under agreements to repurchase [Abstract]
Securities sold under agreements to repurchase	0	0
Up to 1 Year [Member] | Mortgage-Backed Securities, Residential [Member]
Summary of securities sold under agreements to repurchase [Abstract]
Securities sold under agreements to repurchase	0	0
Up to 1 Year [Member] | Collateralized Mortgage Obligations [Member]
Summary of securities sold under agreements to repurchase [Abstract]
Securities sold under agreements to repurchase		0
1 - 3 Years [Member]
Summary of securities sold under agreements to repurchase [Abstract]
Securities sold under agreements to repurchase	24,203	10,545
1 - 3 Years [Member] | Obligations of U.S. Government and U.S. Government Sponsored Enterprises [Member]
Summary of securities sold under agreements to repurchase [Abstract]
Securities sold under agreements to repurchase	11,183	6,990
1 - 3 Years [Member] | Mortgage-Backed Securities, Residential [Member]
Summary of securities sold under agreements to repurchase [Abstract]
Securities sold under agreements to repurchase	13,020	3,507
1 - 3 Years [Member] | Collateralized Mortgage Obligations [Member]
Summary of securities sold under agreements to repurchase [Abstract]
Securities sold under agreements to repurchase		48
3+ Years [Member]
Summary of securities sold under agreements to repurchase [Abstract]
Securities sold under agreements to repurchase	0	12,769
3+ Years [Member] | Obligations of U.S. Government and U.S. Government Sponsored Enterprises [Member]
Summary of securities sold under agreements to repurchase [Abstract]
Securities sold under agreements to repurchase	0	8,595
3+ Years [Member] | Mortgage-Backed Securities, Residential [Member]
Summary of securities sold under agreements to repurchase [Abstract]
Securities sold under agreements to repurchase	$ 0	4,174
3+ Years [Member] | Collateralized Mortgage Obligations [Member]
Summary of securities sold under agreements to repurchase [Abstract]
Securities sold under agreements to repurchase		$ 0

ACCUMULATED OTHER COMPREHENSI48

ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS, Summary of Changes in Accumulated Other Comprehensive Income or Loss by Component (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Changes in accumulated other comprehensive income or loss by component, net of tax [Roll Forward]
Balances			$ 133,628	$ 138,578
Net current period other comprehensive gain	$ 828	$ (762)	499	333
Balances	138,715	139,561	138,715	139,561
Accumulated Other Comprehensive Income (Loss) [Member]
Changes in accumulated other comprehensive income or loss by component, net of tax [Roll Forward]
Balances	(9,114)	1,250	(8,785)	155
Other comprehensive income before reclassification	598	(849)	2	391
Amounts reclassified from accumulated other comprehensive income	230	87	497	(58)
Net current period other comprehensive gain	828	(762)	499	333
Balances	(8,286)	488	(8,286)	488
Unrealized Gains and Losses on Securities Available for Sale [Member]
Changes in accumulated other comprehensive income or loss by component, net of tax [Roll Forward]
Balances	1,184	6,962	1,960	6,043
Other comprehensive income before reclassification	598	(849)	2	391
Amounts reclassified from accumulated other comprehensive income	7	0	(173)	(321)
Net current period other comprehensive gain	605	(849)	(171)	70
Balances	1,789	6,113	1,789	6,113
Defined Benefit and Other Benefit Plans [Member]
Changes in accumulated other comprehensive income or loss by component, net of tax [Roll Forward]
Balances	(10,298)	(5,712)	(10,745)	(5,888)
Other comprehensive income before reclassification	0	0	0	0
Amounts reclassified from accumulated other comprehensive income	223	87	670	263
Net current period other comprehensive gain	223	87	670	263
Balances	$ (10,075)	$ (5,625)	$ (10,075)	$ (5,625)

ACCUMULATED OTHER COMPREHENSI49

ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS, Reclassification out of Accumulated Other Comprehensive Income (Details) - USD ($) $ in Thousands	3 Months Ended				9 Months Ended
	Sep. 30, 2015		Sep. 30, 2014		Sep. 30, 2015		Sep. 30, 2014
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]
Net gains on securities transactions	$ (11)		$ 0		$ 291		$ 522
Pension and other employee benefits	1,562		1,294		4,848		4,132
Tax effect	1,211		(621)		3,651		1,199
Net of tax	2,451		(319)		7,304		3,676
Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]
Net of tax	230		87		497		(58)
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]
Net gains on securities transactions	11		0		(291)		(522)
Tax effect	(4)		0		118		201
Net of tax	7		0		(173)		(321)
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]
Tax effect	(139)		(60)		(416)		(170)
Net of tax	223		87		670		263
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]	(65)	[2]	(66)	[2]
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	$ 384	[1]	$ 169	[1]	$ 1,151	[2]	$ 499	[2]
[1]	These accumulated other comprehensive income components are included in the computation of net periodic pension and other benefit plan costs (see Note 10 for additional information).
[2]	These accumulated other comprehensive income components are included in the computation of net periodic pension and other benefit plan costs (see Note 10 for additional information).

COMMITMENTS AND CONTINGENCIES50

COMMITMENTS AND CONTINGENCIES (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015USD ($)	Jun. 30, 2015USD ($)	Sep. 30, 2015USD ($)ProceedingParty	Dec. 31, 2014USD ($)
Loss Contingencies [Line Items]
Payments for litigation settlements	$ 12,100
Operating Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
Term of contract			20 years
Renewal term			10 years
Annual rent in years 2016-2020	133		$ 133
Annual rent in years 2021-2025	145		145
Annual rent in years 2026-2030	158		158
Annual rent in years 2031-2035	172		172
2016 - 2020	666		666
2021 - 2025	725		725
2026 - 2030	790		790
2031 - 2035	861		861
Total	3,042		$ 3,042
Settled Litigation [Member]
Loss Contingencies [Line Items]
Number of legal proceedings settled | Proceeding			2
Number of parties | Party			2
Amount of litigation settlement	12,100
Insurance proceeds		$ 7,900
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	25,955		$ 25,955	$ 23,756
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	26,904		26,904	11,082
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	1,707		1,707	812
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	189,001		189,001	185,235
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	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	$ 14,303		$ 14,303	$ 16,747

COMPONENTS OF QUARTERLY AND Y51

COMPONENTS OF QUARTERLY AND YEAR TO DATE NET PERIODIC BENEFIT COSTS (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Qualified Pension Plan [Member]
Defined Benefit Plan, Net Periodic Benefit Cost [Abstract]
Service cost, benefits earned during the period	$ 354	$ 271	$ 1,061	$ 813
Interest cost on projected benefit obligation	457	435	1,371	1,305
Expected return on plan assets	(824)	(793)	(2,471)	(2,379)
Amortization of unrecognized transition obligation	0	0	0	0
Amortization of unrecognized prior service cost	2	2	7	6
Amortization of unrecognized net loss	369	160	1,106	480
Net periodic pension cost	358	75	1,074	225
Supplemental Pension Plan [Member]
Defined Benefit Plan, Net Periodic Benefit Cost [Abstract]
Service cost, benefits earned during the period	11	10	33	30
Interest cost on projected benefit obligation	13	14	37	40
Expected return on plan assets	0	0	0	0
Amortization of unrecognized prior service cost	0	0	0	0
Amortization of unrecognized net loss	12	9	38	19
Net periodic pension cost	36	33	108	89
Postretirement Plan, Medical and Life [Member]
Defined Benefit Plan, Net Periodic Benefit Cost [Abstract]
Service cost, benefits earned during the period	11	11	35	33
Interest cost on projected benefit obligation	16	18	48	54
Expected return on plan assets	0	0	0	0
Amortization of unrecognized prior service cost	(24)	(24)	(72)	(72)
Amortization of unrecognized net loss	3	0	7	0
Net periodic pension cost	$ 6	$ 5	$ 18	$ 15

SEGMENT REPORTING (Details)

SEGMENT REPORTING (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015USD ($)	Sep. 30, 2014USD ($)	Sep. 30, 2015USD ($)Segment	Sep. 30, 2014USD ($)	Dec. 31, 2014USD ($)
Segment Reporting Information [Line Items]
Number of primary business segment | Segment			2
Reportable segments and reconciliation to consolidated results [Abstract]
Net interest income	$ 12,691	$ 12,426	$ 37,680	$ 36,534
Provision for loan losses	307	589	956	2,330
Net interest income after provision for loan losses	12,384	11,837	36,724	34,204
Other non-interest income	4,912	4,986	15,424	15,356
Other non-interest expenses	13,634	17,763	41,193	44,685
Income (loss) before income tax expense	3,662	(940)	10,955	4,875
Income tax expense (benefit)	1,211	(621)	3,651	1,199
Net income (loss)	2,451	(319)	7,304	3,676
Segment assets	1,631,639	1,523,557	1,631,639	1,523,557	$ 1,524,539
Holding Company and CFS [Member]
Reportable segments and reconciliation to consolidated results [Abstract]
Net interest income	1	2	4	9
Provision for loan losses	0	0	0	0
Net interest income after provision for loan losses	1	2	4	9
Other non-interest income	168	191	717	610
Other non-interest expenses	164	198	754	650
Income (loss) before income tax expense	5	(5)	(33)	(31)
Income tax expense (benefit)	(16)	(19)	(62)	(64)
Net income (loss)	21	14	29	33
Segment assets	1,147	1,567	1,147	1,567
Operating Segments [Member] | Core Banking [Member]
Reportable segments and reconciliation to consolidated results [Abstract]
Net interest income	12,690	12,424	37,676	36,525
Provision for loan losses	307	589	956	2,330
Net interest income after provision for loan losses	12,383	11,835	36,720	34,195
Other non-interest income	2,622	2,852	8,261	8,930
Other non-interest expenses	12,113	12,055	36,388	35,836
Income (loss) before income tax expense	2,892	2,632	8,593	7,289
Income tax expense (benefit)	935	769	2,798	2,179
Net income (loss)	1,957	1,863	5,795	5,110
Segment assets	1,626,100	1,515,658	1,626,100	1,515,658
Operating Segments [Member] | Wealth Management Group [Member]
Reportable segments and reconciliation to consolidated results [Abstract]
Net interest income	0	0	0	0
Provision for loan losses	0	0	0	0
Net interest income after provision for loan losses	0	0	0	0
Other non-interest income	2,122	1,943	6,446	5,816
Other non-interest expenses	1,357	5,510	4,051	8,199
Income (loss) before income tax expense	765	(3,567)	2,395	(2,383)
Income tax expense (benefit)	292	(1,371)	915	(916)
Net income (loss)	473	(2,196)	1,480	(1,467)
Segment assets	$ 4,392	$ 6,332	$ 4,392	$ 6,332

STOCK COMPENSATION (Details)

STOCK COMPENSATION (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
President and Chief Executive Officer [Member]
Deferred Compensation Arrangement with Individual, Share-based Payments [Line Items]
Service period for comparable group used to determine share based payment awards			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	$ 52	$ 63	$ 188	$ 187
Restricted Stock [Member]
Shares [Roll Forward]
Nonvested, Beginning Balance (in shares)	26,015		26,428
Granted (in shares)	0		0
Vested (in shares)	(200)		(613)
Forfeited or cancelled (in shares)	0		0
Nonvested, Ending Balance (in shares)	25,815		25,815
Weighted-Average Grant Date Fair Value [Roll Forward]
Nonvested, Beginning Balance (in dollars per share)	$ 27.94		$ 27.92
Granted (in dollars per share)	0		0
Vested (in dollars per share)	22.95		25.41
Forfeitures or cancelled (in dollars per share)	0		0
Nonvested, Ending Balance (in dollars per share)	$ 27.98		$ 27.98
Total unrecognized compensation cost related to nonvested shares granted under the Plan	$ 562		$ 562
Weighted-average period for recognition			3 years 4 months 2 days
Total fair value of shares vested	$ 5		$ 17