Chemung Financial (CHMG) 10-Q 6 May 16 2016 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2016	May. 05, 2016
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	Mar. 31, 2016
Document Fiscal Year Focus	2,016
Document Fiscal Period Focus	Q1
Amendment Flag	false
Entity Common Stock, Shares Outstanding		4,693,629

CONSOLIDATED BALANCE SHEETS (UN

CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
ASSETS
Cash and due from financial institutions	$ 26,471	$ 24,886
Interest-bearing deposits in other financial institutions	29,388	1,299
Total cash and cash equivalents	55,859	26,185
Trading assets, at fair value	734	701
Securities available for sale, at estimated fair value	324,484	344,820
Securities held to maturity, estimated fair value of $4,863 at March 31, 2016 and $4,822 at December 31, 2015	4,577	4,566
FHLBNY and FRBNY Stock, at cost	4,179	4,797
Loans, net of deferred loan fees	1,186,893	1,168,633
Allowance for loan losses	(14,527)	(14,260)
Loans, net	1,172,366	1,154,373
Loans held for sale	593	1,076
Premises and equipment, net	28,620	29,397
Goodwill	21,824	21,824
Other intangible assets, net	3,673	3,931
Bank-owned life insurance	2,857	2,839
Accrued interest receivable and other assets	23,460	25,455
Total assets	1,643,226	1,619,964
Deposits:
Non-interest-bearing	393,121	402,236
Interest-bearing	1,041,131	998,059
Total deposits	1,434,252	1,400,295
FHLBNY overnight advances	0	13,900
Securities sold under agreements to repurchase	28,825	28,453
FHLBNY term advances	19,175	19,203
Long term capital lease obligation	2,837	2,873
Dividends payable	1,220	1,214
Accrued interest payable and other liabilities	15,871	16,784
Total liabilities	1,502,180	1,482,722
Shareholders' equity:
Common stock, $0.01 par value per share, 10,000,000 shares authorized; 5,310,076 issued at March 31, 2016 and December 31, 2015	53	53
Additional-paid-in-capital	45,652	45,537
Retained earnings	120,460	118,973
Treasury stock, at cost; 618,276 shares at March 31, 2016 and 641,721 shares at December 31, 2015	(15,781)	(16,379)
Accumulated other comprehensive loss	(9,338)	(10,942)
Total shareholders' equity	141,046	137,242
Total liabilities and shareholders' equity	$ 1,643,226	$ 1,619,964

CONSOLIDATED BALANCE SHEETS (U3

CONSOLIDATED BALANCE SHEETS (UNAUDITED) (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
ASSETS
Securities held to maturity, estimated fair value	$ 4,863	$ 4,822
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)	618,276	641,721

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Interest and dividend income:
Loans, including fees	$ 12,246	$ 11,903
Taxable securities	1,437	1,089
Tax exempt securities	254	219
Interest-bearing deposits	12	23
Total interest and dividend income	13,949	13,234
Interest expense
Deposits	507	486
Securities sold under agreements to repurchase	211	209
Borrowed funds	206	197
Total interest expense	924	892
Net interest income	13,025	12,342
Provision for loan losses	595	390
Net interest income after provision for loan losses	12,430	11,952
Other operating income:
WMG fee income	2,012	2,126
Service charges on deposit accounts	1,135	1,138
Interchange revenue from debit card transactions	893	809
Net gains on securities transactions	908	50
Net gains on sales of loans held for sale	61	52
Net gains (losses) on sales of other real estate owned	(5)	78
Income from bank owned life insurance	18	18
Other	579	915
Total other operating income	5,601	5,186
Other operating expenses:
Salaries and wages	5,183	5,100
Pension and other employee benefits	1,675	1,729
Net occupancy expenses	1,906	1,850
Furniture and equipment expenses	772	733
Data processing expense	1,714	1,561
Professional services	341	269
Amortization of intangible assets	258	304
Marketing and advertising expenses	222	235
Other real estate owned expenses	52	84
FDIC insurance	294	286
Loan expense	112	140
Other	1,479	1,445
Total other operating expenses	14,008	13,736
Income before income tax expense	4,023	3,402
Income tax expense	1,316	1,126
Net income	$ 2,707	$ 2,276
Weighted average shares outstanding (in shares)	4,750	4,707
Basic and diluted earnings per share (in dollars per share)	$ 0.57	$ 0.48

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Statement of Comprehensive Income [Abstract]
Net income	$ 2,707	$ 2,276
Other comprehensive income:
Unrealized holding gains on securities available for sale	3,109	1,265
Reclassification adjustment for gains realized in net income	(908)	(50)
Net unrealized gains	2,201	1,215
Tax effect	830	441
Net of tax amount	1,371	774
Change in funded status of defined benefit pension plan and other benefit plans:
Reclassification adjustment for amortization of prior service costs	(22)	(22)
Reclassification adjustment for amortization of net actuarial loss	396	383
Total before tax effect	374	361
Tax effect	141	137
Net of tax amount	233	224
Total other comprehensive income	1,604	998
Comprehensive income	$ 4,311	$ 3,274

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, 2014		$ 133,628	$ 53	$ 45,355	$ 114,383	$ (17,378)	$ (8,785)
Increase (Decrease) in Shareholders' Equity [Roll Forward]
Net income		2,276			2,276
Other comprehensive income		998					998
Restricted stock awards		52		52
Restricted stock units for directors' deferred compensation plan		25		25
Cash dividends declared		(1,209)			(1,209)
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]	159		13		146
Balances at Mar. 31, 2015		136,293	53	45,477	115,450	(16,900)	(7,787)
Balances at Dec. 31, 2015		137,242	53	45,537	118,973	(16,379)	(10,942)
Increase (Decrease) in Shareholders' Equity [Roll Forward]
Net income		2,707			2,707
Other comprehensive income		1,604					1,604
Restricted stock awards		48		48
Restricted stock units for directors' deferred compensation plan		23		23
Cash dividends declared		(1,220)			(1,220)
Distribution of shares of treasury stock for directors' compensation		262		19		243
Distribution of shares of treasury stock for employee stock compensation		210		15		195
Sale of treasury stock	[1]	170		10		160
Balances at Mar. 31, 2016		$ 141,046	$ 53	$ 45,652	$ 120,460	$ (15,781)	$ (9,338)
[1]	All treasury stock sales were completed at arm's length for adequate consideration with the Chemung Canal Trust Company Profit Sharing, Savings, and Investment Plan and the Chemung Canal Trust Company - Finger Lakes Profit Sharing, Savings, and Investment Plan, which are defined contribution plans sponsored by the Bank.

CONSOLIDATED STATEMENTS OF SHA7

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY (UNAUDITED) (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Statement of Stockholders' Equity [Abstract]
Cash dividends declared (in dollars per share)	$ 0.26	$ 0.26
Distribution of shares of treasury stock for directors' compensation (in shares)	9,532	9,673
Distribution of shares of treasury stock for employee stock compensation (in shares)	7,661	3,303
Sale of shares of treasury stock (in shares)	6,252	5,728

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 2,707	$ 2,276
Adjustments to reconcile net income to net cash provided by operating activities:
Amortization of intangible assets	258	304
Provision for loan losses	595	390
Gains on disposal of fixed assets	0	(9)
Depreciation and amortization of fixed assets	1,114	1,024
Amortization of premiums on securities, net	478	549
Gains on sales of loans held for sale, net	(61)	(52)
Proceeds from sales of loans held for sale	2,823	2,341
Loans originated and held for sale	(2,279)	(2,252)
Net gains on trading assets	(9)	(10)
Net gains on securities transactions	(908)	(50)
Net (gains) losses on sales of other real estate owned	5	(78)
Purchase of trading assets	(24)	(42)
Expense related to restricted stock units for directors' deferred compensation plan	23	25
Expense related to employee stock compensation	210	93
Expense related to employee restricted stock awards	48	52
Income from bank owned life insurance	(18)	(18)
(Increase) decrease in other assets	2,107	(25)
Decrease in accrued interest payable	(2)	(12)
Decrease in other liabilities	(1,246)	(1,062)
Net cash provided by operating activities	5,821	3,444
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from sales and calls of securities available for sale	15,422	5,751
Proceeds from maturities and principal collected on securities available for sale	7,545	9,165
Proceeds from maturities and principal collected on securities held to maturity	586	598
Purchases of securities held to maturity	(597)	(460)
Purchase of FHLBNY and FRBNY stock	(5,146)	(2,391)
Redemption of FHLBNY and FRBNY stock	5,764	3,778
Proceeds from sale of equipment	0	9
Purchases of premises and equipment	(337)	(285)
Proceeds from sales of other real estate owned	34	647
Net increase in loans	(18,739)	(22,192)
Net cash provided (used) by investing activities	4,532	(5,380)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in demand deposits, interest-bearing demand accounts, savings accounts, and insured money market accounts	36,495	112,008
Net decrease in time deposits	(2,538)	(23,892)
Net increase in securities sold under agreements to repurchase	372	1,432
Repayments of FHLBNY overnight advances, net	(13,900)	(30,830)
Repayments of FHLBNY long term advances	(28)	(27)
Payments made on capital lease	(36)	0
Sale of treasury stock	170	159
Cash dividends paid	(1,214)	(1,204)
Net cash provided by financing activities	19,321	57,646
Net increase in cash and cash equivalents	29,674	55,710
Cash and cash equivalents, beginning of period	26,185	29,163
Cash and cash equivalents, end of period	55,859	84,873
Cash paid for:
Interest	926	904
Income taxes	0	1,546
Supplemental disclosure of non-cash activity:
Transfer of loans to other real estate owned	151	10
Dividends declared, not yet paid	1,220	1,209
Distribution of treasury stock for directors' compensation	$ 262	$ 271

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	3 Months Ended
	Mar. 31, 2016
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. Recent Accounting Pronouncements In January 2016, the FASB issued ASU 2016-01, an amendment to Recognition and Measurement of Financial Assets and Financial Liabilities (Subtopic 825-10) . The objectives of the ASU are to (1) require equity investments to be measured at fair value, with changes in fair value recognized in net income, (2) simplify the impairment assessment of equity investments without readily determinable fair values, (3) eliminate the requirement to disclose methods and significant assumptions used to estimate fair value for financial instruments measured at amortized cost on the balance sheet, (4) require the use of the exit price notion when measuring the fair value of financial instruments, and (5) clarify the need for a valuation allowance on a deferred tax asset related to available-for-sale securities in combination with the entity’s other deferred tax assets. The amendments in this ASU are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2017. The Corporation is evaluating the potential impact of ASU 2016-01 on the Corporation's consolidated financial statements. In February 2016, the FASB issued ASU No. 2016-02, Leases (Topic 842) . ASU 2016-02 requires companies that lease valuable assets to recognize on their balance sheets the assets and liabilities generated by contracts longer than a year. The amendments in this update are effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2018, though early adoption is permitted. The Corporation is evaluating the potential impact of ASU 2016-09 on the Corporation's consolidated financial statements. In March 2016, the FASB issued ASU 2016-08, Revenue from Contracts with Customers (Topic 606): Principal Versus Agent Consideration - Reporting Revenue Gross Versus Net . The objective of the ASU is to align the recognition of revenue with the transfer of promised goods or services provided to customers in an amount that reflects the consideration which the entity expects to be entitled in exchange for those goods or services. The amendments in this ASU are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2017. The Corporation is evaluating the potential impact on the Corporation's consolidated financial statements. In March 2016, the FASB issued ASU 2016-09, Compensation - Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting . The objectives of the ASU are to simplify accounting for a stock payment's tax consequences and amend how excess tax benefits and a business's payments to cover the tax bills for the shares' recipients should be classified. The amendments allow companies to estimate the number of stock awards they expect to vest, and they revise the withholding requirements for classifying stock awards as equity. The amendments in this ASU are effective for public companies for fiscal years beginning after December 15, 2016, though early adoption is permitted. The adoption of ASU 2016-09 is not expected to have a significant impact on the Corporation's consolidated financial statements.

EARNING PER COMMON SHARE

EARNING PER COMMON SHARE	3 Months Ended
	Mar. 31, 2016
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 4,750 and 4,707 weighted average shares outstanding for the three month periods ended March 31, 2016 and 2015 , respectively. There were no dilutive common stock equivalents during the three month periods ended March 31, 2016 or 2015 .

SECURITIES

SECURITIES	3 Months Ended
	Mar. 31, 2016
Investments, Debt and Equity Securities [Abstract]
SECURITIES	SECURITIES Amortized cost and estimated fair value of securities available for sale are as follows (in thousands): March 31, 2016 Amortized Cost Unrealized Gains Unrealized Losses Estimated Fair Value Obligations of U.S. Government and U.S. Government sponsored enterprises $ 84,759 $ 600 $ 2 $ 85,357 Mortgage-backed securities, residential 192,145 1,109 226 193,028 Obligations of states and political subdivisions 43,383 865 2 44,246 Corporate bonds and notes 747 7 — 754 SBA loan pools 625 4 1 628 Corporate stocks 284 187 — 471 Total $ 321,943 $ 2,772 $ 231 $ 324,484 December 31, 2015 Amortized Cost Unrealized Gains Unrealized Losses Estimated Fair Value Obligations of U.S. Government and U.S. Government sponsored enterprises $ 99,430 $ 752 $ 16 $ 100,166 Mortgage-backed securities, residential 199,680 427 1,741 198,366 Obligations of states and political subdivisions 43,695 737 6 44,426 Corporate bonds and notes 747 5 — 752 SBA loan pools 643 5 1 647 Corporate stocks 285 178 — 463 Total $ 344,480 $ 2,104 $ 1,764 $ 344,820 Amortized cost and estimated fair value of securities held to maturity are as follows (in thousands): March 31, 2016 Amortized Cost Unrealized Gains Unrealized Losses Estimated Fair Value Obligations of states and political subdivisions $ 4,577 $ 286 $ — $ 4,863 Total $ 4,577 $ 286 $ — $ 4,863 December 31, 2015 Amortized Cost Unrealized Gains Unrealized Losses Estimated Fair Value Obligations of states and political subdivisions $ 4,566 $ 256 $ — $ 4,822 Total $ 4,566 $ 256 $ — $ 4,822 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): March 31, 2016 Available for Sale Held to Maturity Amortized Fair Amortized Fair Within one year $ 54,394 $ 54,544 $ 2,212 $ 2,234 After one, but within five years 62,768 63,812 2,103 2,329 After five, but within ten years 11,727 12,001 262 300 After ten years — — — — 128,889 130,357 4,577 4,863 Mortgage-backed securities, residential 192,145 193,028 — — SBA loan pools 625 628 — — Total $ 321,659 $ 324,013 $ 4,577 $ 4,863 The proceeds from sales and calls of securities resulting in gains or losses for the three months ended March 31, 2016 and 2015 are listed below (in thousands): 2016 2015 Proceeds $ 15,422 $ 51 Gross gains $ 908 $ 50 Tax expense $ 343 $ 19 The following tables summarize the investment securities available for sale with unrealized losses at March 31, 2016 and December 31, 2015 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 March 31, 2016 Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized Obligations of U.S. Government and U.S. Government sponsored enterprises $ 5,022 $ 2 $ — $ — $ 5,022 $ 2 Mortgage-backed securities, residential 50,684 198 3,998 28 54,682 226 Obligations of states and political subdivisions 1,688 1 204 1 1,892 2 SBA loan pools — — 244 1 244 1 Total temporarily impaired securities $ 57,394 $ 201 $ 4,446 $ 30 $ 61,840 $ 231 Less than 12 months 12 months or longer Total December 31, 2015 Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized Obligations of U.S. Government and U.S. Government sponsored enterprises $ 15,169 $ 16 $ — $ — $ 15,169 $ 16 Mortgage-backed securities, residential 177,058 1,741 — — 177,058 1,741 Obligations of states and political subdivisions 3,756 4 592 2 4,348 6 SBA loan pools — — 251 1 251 1 Total temporarily impaired securities $ 195,983 $ 1,761 $ 843 $ 3 $ 196,826 $ 1,764 Other-Than-Temporary Impairment As of March 31, 2016 , 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 March 31, 2016 .

LOANS AND ALLOWANCE FOR LOAN LO

LOANS AND ALLOWANCE FOR LOAN LOSSES	3 Months Ended
	Mar. 31, 2016
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): March 31, 2016 December 31, 2015 Commercial and agricultural: Commercial and industrial $ 189,725 $ 192,197 Agricultural 841 1,036 Commercial mortgages: Construction 40,702 41,131 Commercial mortgages, other 494,327 465,347 Residential mortgages 196,751 195,778 Consumer loans: Credit cards 1,293 1,483 Home equity lines and loans 99,035 101,726 Indirect consumer loans 146,601 151,327 Direct consumer loans 17,618 18,608 Total loans, net of deferred loan fees $ 1,186,893 $ 1,168,633 Interest receivable on loans 2,928 2,870 Total recorded investment in loans $ 1,189,821 $ 1,171,503 The Corporation's concentrations of credit risk by loan type are reflected in the preceding table. The concentrations of credit risk with standby letters of credit, committed lines of credit and commitments to originate new loans generally follow the loan classifications in the table above. The following tables present the activity in the allowance for loan losses by portfolio segment for the three month periods ended March 31, 2016 and 2015 (in thousands): Three Months Ended March 31, 2016 Allowance for loan losses Commercial and Agricultural Commercial Mortgages Residential Mortgages Consumer Loans Total Beginning balance $ 1,831 $ 7,112 $ 1,464 $ 3,853 $ 14,260 Charge-offs (8 ) — — (443 ) (451 ) Recoveries 32 7 — 84 123 Net recoveries (charge-offs) 24 7 — (359 ) (328 ) Provision (60 ) 413 18 224 595 Ending balance $ 1,795 $ 7,532 $ 1,482 $ 3,718 $ 14,527 Three Months Ended March 31, 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 — — (21 ) (369 ) (390 ) Recoveries 15 67 — 124 206 Net recoveries (charge-offs) 15 67 (21 ) (245 ) (184 ) Provision 196 137 43 14 390 Ending balance $ 1,671 $ 6,530 $ 1,594 $ 4,097 $ 13,892 The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of March 31, 2016 and December 31, 2015 (in thousands): March 31, 2016 Allowance for loan losses: Commercial and Agricultural Commercial Mortgages Residential Mortgages Consumer Loans Total Ending allowance balance attributable to loans: Individually evaluated for impairment $ 9 $ 1,577 $ — $ 163 $ 1,749 Collectively evaluated for impairment 1,786 5,896 1,442 3,555 12,679 Loans acquired with deteriorated credit quality — 59 40 — 99 Total ending allowance balance $ 1,795 $ 7,532 $ 1,482 $ 3,718 $ 14,527 December 31, 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 $ 8 $ 1,481 $ — $ 77 $ 1,566 Collectively evaluated for impairment 1,823 5,572 1,424 3,776 12,595 Loans acquired with deteriorated credit quality — 59 40 — 99 Total ending allowance balance $ 1,831 $ 7,112 $ 1,464 $ 3,853 $ 14,260 March 31, 2016 Loans: Commercial Commercial Mortgages Residential Mortgages Consumer Loans Total Loans individually evaluated for impairment $ 1,051 $ 12,404 $ 311 $ 468 $ 14,234 Loans collectively evaluated for impairment 189,987 522,147 196,646 264,729 1,173,509 Loans acquired with deteriorated credit quality — 1,804 274 — 2,078 Total ending loans balance $ 191,038 $ 536,355 $ 197,231 $ 265,197 $ 1,189,821 December 31, 2015 Loans: Commercial Commercial Mortgages Residential Mortgages Consumer Loans Total Loans individually evaluated for impairment $ 1,498 $ 12,773 $ 235 $ 474 $ 14,980 Loans collectively evaluated for impairment 192,202 493,102 195,731 273,393 1,154,428 Loans acquired with deteriorated credit quality — 1,825 270 — 2,095 Total ending loans balance $ 193,700 $ 507,700 $ 196,236 $ 273,867 $ 1,171,503 The following tables present loans individually evaluated for impairment recognized by class of loans as of March 31, 2016 and December 31, 2015 , the average recorded investment and interest income recognized by class of loans as of the three month periods ended March 31, 2016 and 2015 (in thousands): March 31, 2016 December 31, 2015 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 $ 1,039 $ 1,042 $ — $ 1,487 $ 1,489 $ — Commercial mortgages: Construction 343 345 — 349 350 — Commercial mortgages, other 7,185 7,215 — 7,551 7,577 — Residential mortgages 311 311 — 234 235 — Consumer loans: Home equity lines and loans 104 105 — 107 108 — With an allowance recorded: Commercial and agricultural: Commercial and industrial 9 9 9 9 9 8 Commercial mortgages: Commercial mortgages, other 4,910 4,844 1,577 4,913 4,846 1,481 Consumer loans: Home equity lines and loans 363 363 163 364 366 77 Total $ 14,264 $ 14,234 $ 1,749 $ 15,014 $ 14,980 $ 1,566 Three Months Ended Three Months Ended With no related allowance recorded: Average Recorded Investment Interest Income Recognized (1) Average Recorded Investment Interest Income Recognized (1) Commercial and agricultural: Commercial and industrial $ 1,266 $ 13 $ 1,517 $ 15 Commercial mortgages: Construction 348 4 1,904 25 Commercial mortgages, other 7,395 68 7,674 63 Residential mortgages 273 — 252 1 Consumer loans: Home equity lines & loans 107 1 458 6 With an allowance recorded: Commercial and agricultural: Commercial and industrial 9 — 196 3 Commercial mortgages: Commercial mortgages, other 4,845 1 4,184 23 Consumer loans: Home equity lines and loans 364 — 27 — Total $ 14,607 $ 87 $ 16,212 $ 136 (1) Cash basis interest income approximates interest income recognized. The following tables present the recorded investment in non-accrual and loans past due 90 days or more and still accruing by class of loans as of March 31, 2016 and December 31, 2015 (in thousands): Non-accrual Loans Past Due 90 Days or More and Still Accruing March 31, 2016 December 31, 2015 March 31, 2016 December 31, 2015 Commercial and agricultural: Commercial and industrial $ 69 $ 13 $ 5 $ 3 Agricultural — — — — Commercial mortgages: Construction 62 63 — — Commercial mortgages 6,886 7,203 2,242 — Residential mortgages 4,159 3,610 — — Consumer loans: Credit cards — — 13 15 Home equity lines and loans 1,156 758 — — Indirect consumer loans 390 542 — — Direct consumer loans 52 43 — — Total $ 12,774 $ 12,232 $ 2,260 $ 18 The following tables present the aging of the recorded investment in loans as of March 31, 2016 and December 31, 2015 (in thousands): March 31, 2016 30 - 59 Days Past Due 60 - 89 Days Past Due 90 Days or More Past Due Total Past Due Loans Acquired with Deteriorated Credit Quality Loans Not Past Due Total Commercial and agricultural: Commercial and industrial $ 46 $ 1 $ 74 $ 121 $ — $ 190,074 $ 190,195 Agricultural — — — — — 843 843 Commercial mortgages: Construction — — — — — 40,803 40,803 Commercial mortgages, other 5,902 199 5,490 11,591 1,804 482,157 495,552 Residential mortgages 1,908 783 1,287 3,978 274 192,979 197,231 Consumer loans: Credit cards 39 12 13 64 — 1,229 1,293 Home equity lines and loans 371 — 232 603 — 98,684 99,287 Indirect consumer loans 859 162 347 1,368 — 145,565 146,933 Direct consumer loans 44 31 30 105 — 17,579 17,684 Total $ 9,169 $ 1,188 $ 7,473 $ 17,830 $ 2,078 $ 1,169,913 $ 1,189,821 December 31, 2015 30 - 59 Days Past Due 60 - 89 Days Past Due 90 Days or More Past Due Total Past Due Loans Acquired with Deteriorated Credit Quality Loans Not Past Due Total Commercial and agricultural: Commercial and industrial $ 398 $ 3 $ 12 $ 413 $ — $ 192,248 $ 192,661 Agricultural — — — — — 1,039 1,039 Commercial mortgages: Construction — — — — — 41,231 41,231 Commercial mortgages, other 4,197 199 5,239 9,635 1,825 455,009 466,469 Residential mortgages 2,983 725 1,703 5,411 270 190,555 196,236 Consumer loans: Credit cards 30 4 15 49 — 1,434 1,483 Home equity lines and loans 233 77 239 549 — 101,427 101,976 Indirect consumer loans 1,744 4 447 2,195 — 149,531 151,726 Direct consumer loans 208 — 19 227 — 18,455 18,682 Total $ 9,793 $ 1,012 $ 7,674 $ 18,479 $ 2,095 $ 1,150,929 $ 1,171,503 Troubled Debt Restructurings: A modification of a loan may result in classification as a TDR when a borrower is experiencing financial difficulty and the modification constitutes a concession. The Corporation offers various types of modifications which may involve a change in the schedule of payments, a reduction in the interest rate, an extension of the maturity date, extending the maturity date at an interest rate lower than the current market rate for new debt with similar risk, requesting additional collateral, releasing collateral for consideration, substituting or adding a new borrower or guarantor, a permanent reduction of the recorded investment in the loan or a permanent reduction of the interest on the loan. As of March 31, 2016 and December 31, 2015 , the Corporation has a recorded investment in TDRs of $11.2 million and $12.0 million , respectively. There were specific reserves of $1.5 million and $1.4 million allocated for TDRs at March 31, 2016 and December 31, 2015 , respectively. As of March 31, 2016 , TDRs totaling $6.6 million were accruing interest under the modified terms and $4.6 million were on non-accrual status. As of December 31, 2015 , TDRs totaling $7.6 million were accruing interest under the modified terms and $4.4 million were on non-accrual status. The Corporation had committed additional amounts up to $0.1 million as of both March 31, 2016 and December 31, 2015 , to customers with outstanding loans that are classified as TDRs. During the three months ended March 31, 2016 and 2015 , the terms of certain loans were modified as TDRs. The modification of the terms of a residential mortgage loan performed during the three months ended March 31, 2016 included a reduction in the stated interest rate for three years and a corresponding reduction of the schedule amortized payments of the loan due to the lower interest rate. Additionally, $4 thousand of interest and past due escrow payments were capitalized on the restructured loan. The modification of the terms of a commercial loan performed during the three months ended March 31, 2015 included renewing a line of credit and extending the maturity date at a rate lower than the current market rate. The following table presents loans by class modified as TDRs that occurred during the three months ended March 31, 2016 and 2015 (in thousands): March 31, 2016 Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Troubled debt restructurings: Residential mortgage 1 $ 121 $ 125 Total 1 $ 121 $ 125 March 31, 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 Total 1 $ 477 $ 477 The TDRs described above did not increase the allowance for loan losses and resulted in no charge-offs during the three months ended March 31, 2016 and 2015 , respectively. A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms. The following table presents loans by class modified as TDRs for which there was a payment default within twelve months following the modification during the three months ended March 31, 2016 : Number of Loans Recorded Investment Commercial mortgages: Commercial mortgages 2 $ 2,145 Total 2 $ 2,145 The TDRs that subsequently defaulted described above did not increase the allowance for loan losses and resulted in no charge offs during the three months ended March 31, 2016 . There were no payment defaults on any loans previously modified as TDRs within twelve months following the modification during the three months ended March 31, 2015 . 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. Commercial loans not meeting the criteria above to be considered criticized or classified are considered to be pass rated loans. Loans listed as not rated are included in groups of homogeneous loans performing under terms of the loan notes. Based on the analyses performed as of March 31, 2016 and December 31, 2015 , the risk category of the recorded investment of loans by class of loans is as follows (in thousands): March 31, 2016 Not Rated Pass Loans acquired with deteriorated credit quality Special Mention Substandard Doubtful Total Commercial and agricultural: Commercial and industrial $ — $ 185,438 $ — $ 2,956 $ 1,792 $ 9 $ 190,195 Agricultural — 843 — — — — 843 Commercial mortgages: Construction — 39,257 — 1,484 62 — 40,803 Commercial mortgages — 467,198 1,804 8,388 13,956 4,206 495,552 Residential mortgages 192,798 — 274 — 4,159 — 197,231 Consumer loans: Credit cards 1,293 — — — — — 1,293 Home equity lines and loans 98,132 — — — 1,155 — 99,287 Indirect consumer loans 146,543 — — — 390 — 146,933 Direct consumer loans 17,632 — — — 52 — 17,684 Total $ 456,398 $ 692,736 $ 2,078 $ 12,828 $ 21,566 $ 4,215 $ 1,189,821 December 31, 2015 Not Rated Pass Loans acquired with deteriorated credit quality Special Mention Substandard Doubtful Total Commercial and agricultural: Commercial and industrial $ — $ 186,359 $ — $ 3,772 $ 2,521 $ 9 $ 192,661 Agricultural — 1,039 — — — — 1,039 Commercial mortgages: Construction — 40,881 — 287 63 — 41,231 Commercial mortgages — 437,549 1,825 8,437 14,454 4,204 466,469 Residential mortgages 192,245 — 270 — 3,721 — 196,236 Consumer loans: Credit cards 1,483 — — — — — 1,483 Home equity lines and loans 101,218 — — — 758 — 101,976 Indirect consumer loans 151,184 — — — 542 — 151,726 Direct consumer loans 18,639 — — — 43 — 18,682 Total $ 464,769 $ 665,828 $ 2,095 $ 12,496 $ 22,102 $ 4,213 $ 1,171,503 The Corporation considers the performance of the loan portfolio and its impact on the allowance for loan losses. For residential and consumer loan classes, the Corporation also evaluates credit quality based on the aging status of the loan, which was previously presented, and by payment activity. The following table presents the recorded investment in residential and consumer loans based on payment activity as of March 31, 2016 and December 31, 2015 (in thousands): March 31, 2016 Consumer Loans Residential Mortgages Credit Card Home Equity Lines and Loans Indirect Consumer Loans Other Direct Consumer Loans Performing $ 193,072 $ 1,293 $ 98,132 $ 146,543 $ 17,632 Non-Performing 4,159 — 1,155 390 52 $ 197,231 $ 1,293 $ 99,287 $ 146,933 $ 17,684 December 31, 2015 Consumer Loans Residential Mortgages Credit Card Home Equity Lines and Loans Indirect Consumer Loans Other Direct Consumer Loans Performing $ 192,626 $ 1,483 $ 101,218 $ 151,184 $ 18,639 Non-Performing 3,610 — 758 542 43 $ 196,236 $ 1,483 $ 101,976 $ 151,726 $ 18,682 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 tables below summarizes the changes in total contractually required principal and interest cash payments, management’s estimate of expected total cash payments and carrying value of the PCI loans from January 1, 2016 to March 31, 2016 and January 1, 2015 to March 31, 2015 (in thousands): Three Months Ended March 31, 2016 Balance at December 31, 2015 Income Accretion All Other Adjustments Balance at March 31, 2016 Contractually required principal and interest $ 2,912 $ — $ (54 ) $ 2,858 Contractual cash flows not expected to be collected (nonaccretable discount) (506 ) — 1 (505 ) Cash flows expected to be collected 2,406 — (53 ) 2,353 Interest component of expected cash flows (accretable yield) (311 ) 37 (1 ) (275 ) Fair value of loans acquired with deteriorating credit quality $ 2,095 $ 37 $ (54 ) $ 2,078 Three Months Ended March 31, 2015 Balance at December 31, 2014 Income Accretion All Other Adjustments Balance at March 31, 2015 Contractually required principal and interest $ 3,621 $ — $ (676 ) $ 2,945 Contractual cash flows not expected to be collected (nonaccretable discount) (570 ) — (25 ) (595 ) Cash flows expected to be collected 3,051 — (701 ) 2,350 Interest component of expected cash flows (accretable yield) (420 ) 63 24 (333 ) Fair value of loans acquired with deteriorating credit quality $ 2,631 $ 63 $ (677 ) $ 2,017 For those purchased credit impaired loans disclosed above, the Corporation did not increase the allowance for loan losses during either of the three months ended March 31, 2016 or 2015, respectively. The Corporation recorded a negative provision for loan losses by $14 thousand and $50 thousand during the three months ended March 31, 2016 and 2015, respectively, due to recoveries received from loans previously charged off.

FAIR VALUE

FAIR VALUE	3 Months Ended
	Mar. 31, 2016
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 on a recurring basis: 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). For securities where quoted prices or market prices of similar securities are not available, fair values are calculated using discounted cash flows or other market indicators (Level 3 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). Derivatives : The fair values of interest rate swaps are based on valuation models using observable market data as of the measurement date (Level 2 inputs). Derivatives are traded in an over-the-counter market where quoted market prices are not always available. Therefore, the fair values of derivatives are determined using quantitative models that utilize multiple market inputs. The inputs will vary based on the type of derivative, but could include interest rates, prices, and indices to generate continuous yield or pricing curves, prepayment rates, and volatility factors to value the position. The Corporation also incorporates credit valuation adjustments to appropriately reflect both its own nonperformance risk and the respective counter-party's nonperformance risk in the fair value measurements. In adjusting the fair value of its derivative contracts for the effect of nonperformance risk, the Corporation has considered the impact of any applicable credit enhancements, such as collateral postings. Although the Corporation has determined that the majority of the inputs used to value its derivatives fall within Level 2 of the fair value hierarchy, the credit valuation adjustments associated with its derivatives utilize credit default rate assumptions (Level 3 inputs). The fair values of credit risk participations are based on credit default rate assumptions (Level 3 inputs). Assets and liabilities measured at fair value on a recurring basis are summarized below (in thousands): Fair Value Measurement at March 31, 2016 Using Financial Assets: Fair Value Quoted Prices Significant Significant Unobservable Inputs Obligations of U.S. Government and U.S. Government sponsored enterprises $ 85,357 $ — $ 85,357 $ — Mortgage-backed securities, residential 193,028 — 193,028 — Obligations of states and political subdivisions 44,246 — 44,246 — Corporate bonds and notes 754 — 502 252 SBA loan pools 628 — 628 — Corporate stocks 471 54 417 — Total available for sale securities $ 324,484 $ 54 $ 324,178 $ 252 Trading assets $ 734 $ 734 $ — $ — Derivative assets 87 — 87 — Financial Liabilities: Derivative liabilities $ 171 $ — $ 87 $ 84 Fair Value Measurement at December 31, 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 Obligations of U.S. Government and U.S. Government sponsored enterprises $ 100,166 $ 14,784 $ 85,382 $ — Mortgage-backed securities, residential 198,366 — 198,366 — Obligations of states and political subdivisions 44,426 — 44,426 — Corporate bonds and notes 752 — 504 248 SBA loan pools 647 — 647 — Corporate stocks 463 56 407 — Total available for sale securities $ 344,820 $ 14,840 $ 329,732 $ 248 Trading assets $ 701 $ 701 $ — $ — Derivative assets 15 — 15 — Financial Liabilities: Derivative liabilities $ 63 $ — $ 15 $ 48 There were no transfers between Level 1 and Level 2 during the three month period ended March 31, 2016 or the year ended December 31, 2015 . The table below presents a reconciliation of all assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the three month periods ended March 31, 2016 and March 31, 2015 : Assets (Liabilities) Corporate Bonds and Notes Derivative Liabilities (in thousands) March 31, 2016 March 31, 2015 March 31, 2016 March 31, 2015 Balance of recurring Level 3 assets at January 1 $ 248 $ — $ (48 ) $ (18 ) Derivative instruments entered into — — (2 ) — Total gains or losses for the period: Included in earnings - other non-interest income — — (34 ) (15 ) Included in other comprehensive income 4 — — — Transfers into Level 3 — — — — Balance of recurring Level 3 assets at March 31 $ 252 $ — $ (84 ) $ (33 ) The following table presents information related to Level 3 recurring fair value measurements at March 31, 2016 and December 31, 2015 (in thousands): Description Fair Value at Valuation Technique Unobservable Inputs Range Corporate bonds and notes $ 252 Discounted cash flow Credit spread 1.73% - 1.73% Derivative liabilities $ 84 Historical trend Credit default rate 5.83% - 5.83% Description Fair Value at Valuation Technique Unobservable Inputs Range Corporate bonds and notes $ 248 Discounted cash flow Credit spread 1.73% - 1.73% Derivative liabilities $ 48 Historical trend Credit default rate 5.83% - 5.83% The Corporation used the following methods and significant assumptions to estimate fair value on a non-recurring basis: 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. Assets in which the Corporation has accepted a purchase offer are classified as Level 2. 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 non-recurring basis are summarized below (in thousands): Fair Value Measurement at March 31, 2016 Using Financial Assets: Fair Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Impaired Loans: Commercial mortgages: Commercial mortgages $ 612 $ — $ — $ 612 Consumer loans: Home equity lines and loans 200 — — 200 Total impaired loans $ 812 $ — $ — $ 812 Other real estate owned: Commercial mortgages: Commercial mortgages $ 1,491 $ — $ 1,491 $ — Residential mortgages 134 — — 134 Consumer loans: Home equity lines and loans 17 — — 17 Total other real estate owned, net $ 1,642 $ — $ 1,491 $ 151 Fair Value Measurement at December 31, 2015 Using Financial Assets: Fair Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Impaired Loans: Commercial mortgages: Commercial mortgages $ 2,629 $ — $ — $ 2,629 Consumer loans: Home equity lines and loans 287 — — 287 Total impaired loans $ 2,916 $ — $ — $ 2,916 Other real estate owned: Commercial mortgages: Commercial mortgages $ 1,491 $ — $ 1,491 $ — Residential mortgages 39 — — 39 Total other real estate owned, net $ 1,530 $ — $ 1,491 $ 39 The following tables presents information related to Level 3 non-recurring fair value measurement at March 31, 2016 and December 31, 2015 (in thousands): Description Fair Value at March 31, 2016 Valuation Technique Unobservable Inputs Range Impaired loans: Commercial mortgages: Commercial mortgages $ 612 Sales comparison Discount to appraised value 11.75% - 18.55% Consumer loans: Home equity lines and loans 200 Sales comparison Discount to appraised value 24.92% - 24.92% $ 812 OREO Residential mortgages $ 134 Sales comparison Discount to appraised value 20.80% - 27.97% Consumer loans: Home equity lines and loans 17 Sales comparison Discount to appraised value 20.80% - 20.80% $ 151 Description Fair Value at December 31, 2015 Valuation Technique Unobservable Inputs Range Impaired loans: Commercial mortgages: Commercial mortgages $ 2,629 Sales comparison Discount to appraised value 10.00% - 17.19% Consumer loans: Home equity lines and loans 287 Sales comparison Discount to appraised value 18.04% - 18.04% $ 2,916 OREO: Residential mortgages $ 39 Sales comparison Discount to appraised value 22.30% - 22.30% $ 39 FAIR VALUE OF FINANCIAL INSTRUMENTS The following methods and assumptions were used to estimate the fair value of each class of financial instruments not already discussed: Cash and Due From Financial Institutions 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. Securities Held to Maturity For securities where quoted prices or market prices of similar securities are not available, fair values are calculated using discounted cash flows or other market indicators (Level 3 inputs). 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, Net 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 Overnight Advances and 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. Accrued Interest Receivable and Payable For these short-term instruments, the carrying value approximates fair value resulting in a classification of Level 1, Level 2 or Level 3 depending upon the classification of the asset/liability they are associated with. The carrying amounts and estimated fair values of other financial instruments, at March 31, 2016 and December 31, 2015 , are as follows (in thousands): March 31, 2016 Financial assets: Carrying Amount Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Estimated Fair Value Cash and due from financial institutions $ 26,471 $ 26,471 $ — $ — $ 26,471 Interest-bearing deposits in other financial institutions 29,388 29,388 — — 29,388 Trading assets 734 734 — — 734 Securities available for sale 324,484 54 324,178 252 324,484 Securities held to maturity 4,577 — — 4,863 4,863 FHLBNY and FRBNY stock 4,179 — — — N/A Loans, net 1,172,366 — — 1,196,894 1,196,894 Loans held for sale 593 — 593 — 593 Accrued interest receivable 4,386 — 1,488 2,898 4,386 Derivative assets 87 — 87 — 87 Financial liabilities: Deposits: Demand, savings, and insured money market accounts $ 1,270,711 $ 1,270,711 $ — $ — $ 1,270,711 Time deposits 163,541 — 164,001 — 164,001 Securities sold under agreements to repurchase 28,825 — 29,533 — 29,533 FHLBNY term advances 19,175 — 19,637 — 19,637 Accrued interest payable 207 17 190 — 207 Derivative liabilities 171 — 87 84 171 (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. December 31, 2015 Financial assets: Carrying Amount Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Estimated Fair Value Cash and due from financial institutions $ 24,886 $ 24,886 $ — $ — $ 24,886 Interest-bearing deposits in other financial institutions 1,299 1,299 — — 1,299 Trading assets 701 701 — — 701 Securities available for sale 344,820 14,840 329,732 248 344,820 Securities held to maturity 4,566 — — 4,822 4,822 FHLBNY and FRBNY stock 4,797 — — — N/A Loans, net 1,154,373 — — 1,178,081 1,178,081 Loans held for sale 1,076 — 1,076 — 1,076 Accrued interest receivable 4,015 39 1,141 2,835 4,015 Derivative assets 15 — 15 — 15 Financial liabilities: Deposits: Demand, savings, and insured money market accounts $ 1,234,216 $ 1,234,216 $ — $ — $ 1,234,216 Time deposits 166,079 — 166,551 — 166,551 Securities sold under agreements to repurchase 28,453 — 29,128 — 29,128 FHLBNY overnight advances 13,900 — 13,901 — 13,901 FHLBNY term advances 19,203 — 19,658 — 19,658 Accrued interest payable 209 17 192 — 209 Derivative liabilities 63 — 15 48 63 (1) Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates.

GOODWILL AND INTANGIBLE ASSETS

GOODWILL AND INTANGIBLE ASSETS	3 Months Ended
	Mar. 31, 2016
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 March 31, 2016 and 2015 were as follows (in thousands): 2016 2015 Beginning of year $ 21,824 $ 21,824 Acquired goodwill — — Ending balance March 31, $ 21,824 $ 21,824 Acquired intangible assets were as follows at March 31, 2016 and December 31, 2015 (in thousands): At March 31, 2016 At December 31, 2015 Balance Acquired Accumulated Amortization Balance Acquired Accumulated Amortization Core deposit intangibles $ 5,975 $ 4,226 $ 5,975 $ 4,057 Other customer relationship intangibles 5,633 3,709 5,633 3,620 Total $ 11,608 $ 7,935 $ 11,608 $ 7,677 Aggregate amortization expense was $0.3 million for both of the three month periods ended March 31, 2016 and 2015 . The remaining estimated aggregate amortization expense at March 31, 2016 is listed below (in thousands): Year Estimated Expense 2016 $ 728 2017 859 2018 734 2019 609 2020 484 2021 259 Total $ 3,673

SECURITIES SOLD UNDER AGREEMENT

SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE	3 Months Ended
	Mar. 31, 2016
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 March 31, 2016 and December 31, 2015 is as follows (in thousands): March 31, 2016 Overnight and Continuous Up to 1 Year 1 - 3 Years 3+ Years Total Obligations of U.S. Government and U.S. Government sponsored enterprises $ — $ 1,786 $ 1,107 $ — $ 2,893 Mortgage-backed securities, residential 17,475 8,884 12,009 — 38,368 Total $ 17,475 $ 10,670 $ 13,116 $ — 41,261 Excess collateral held (12,436 ) Gross amount of recognized liabilities for repurchase agreements $ 28,825 December 31, 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 $ 12,163 $ 1,781 $ 9,323 $ — $ 23,267 Mortgage-backed securities, residential 8,280 9,174 3,135 — 20,589 Total $ 20,443 $ 10,955 $ 12,458 $ — 43,856 Excess collateral held (15,403 ) Gross amount of recognized liabilities for repurchase agreements $ 28,453 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	3 Months Ended
	Mar. 31, 2016
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 January 1, 2016 $ 210 $ (11,152 ) $ (10,942 ) Other comprehensive income before reclassification 1,936 — 1,936 Amounts reclassified from accumulated other comprehensive income (565 ) 233 (332 ) Net current period other comprehensive gain 1,371 233 1,604 Balance at March 31, 2016 $ 1,581 $ (10,919 ) $ (9,338 ) Unrealized Gains and Losses on Securities Available for Sale Defined Benefit and Other Benefit Plans Total Balance at January 1, 2015 $ 1,960 $ (10,745 ) $ (8,785 ) Other comprehensive loss before reclassification 805 — 805 Amounts reclassified from accumulated other comprehensive income (31 ) 224 193 Net current period other comprehensive gain 774 224 998 Balance at March 31, 2015 $ 2,734 $ (10,521 ) $ (7,787 ) The following is the reclassification out of accumulated other comprehensive income for the periods indicated (in thousands): Details about Accumulated Other Comprehensive Income Components Three Months Ended Affected Line Item 2016 2015 Unrealized gains and losses on securities available for sale: Realized gains on securities available for sale $ (908 ) $ (50 ) Net gains on securities transactions Tax effect 343 19 Income tax expense Net of tax (565 ) (31 ) Amortization of defined pension plan and other benefit plan items: Prior service costs (a) (22 ) (22 ) Pension and other employee benefits Actuarial losses (a) 396 383 Pension and other employee benefits Tax effect (141 ) (137 ) Income tax expense Net of tax 233 224 Total reclassification for the period, net of tax $ (332 ) $ 193 (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	3 Months Ended
	Mar. 31, 2016
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 March 31, 2016 and December 31, 2015 (in thousands): March 31, 2016 December 31, 2015 Fixed Rate Variable Rate Fixed Rate Variable Rate Commitments to make loans $ 22,740 $ 33,557 $ 17,167 $ 25,251 Unused lines of credit $ 866 $ 191,990 $ 1,265 $ 177,004 Standby letters of credit $ — $ 14,618 $ — $ 14,646 On March 23, 2016, the Bank received a summons and complaint for an action brought in the State of New York Supreme Court for the County of Tompkins, regarding its lease of 202 East State Street, Ithaca, NY. The owner of the leased premises has alleged that the Bank has breached its contract and is requesting a judgment declaring that the term of the lease runs through December 31, 2025 or a judgment in his favor in the amount of $4.0 million . While the outcome of litigation is not predictable, the Bank believes that the claims are without merit and is vigorously defending them. As of March 31, 2016, no amount has been accrued for potential losses related to these proceedings as a potential loss is not considered probable or reasonably estimable in the opinion of management. On April 25, 2016, counsel for the Bank made a motion to dismiss the complaint, which is pending. 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. On September 25, 2015, the Bank entered a lease agreement with a related party to occupy a building located in Clifton Park, New York. The lease commenced on April 4, 2016. The initial term of the lease is 20 years, with a total of ten years of renewal options. The lease will be capitalized on the balance sheet for $2.0 million , as of the lease commencement date, within premises and equipment, net, with a corresponding long term capital lease obligation. The purpose of the lease is to move the Clifton Park branch from a shopping plaza to a stand-alone building. Minimum lease commitments, before considering renewal options, are as follows (in thousands): Years Annual Rent Total Rent 2016 - 2021 $ 133 $ 665 2021 - 2026 145 725 2026 - 2031 158 790 2031 - 2036 172 860 Total $ 3,040

COMPONENTS OF QUARTERLY AND YEA

COMPONENTS OF QUARTERLY AND YEAR TO DATE NET PERIODIC BENEFIT COSTS	3 Months Ended
	Mar. 31, 2016
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 2016 2015 Qualified Pension Plan Service cost, benefits earned during the period $ 296 $ 354 Interest cost on projected benefit obligation 470 457 Expected return on plan assets (755 ) (823 ) Amortization of unrecognized transition obligation — — Amortization of unrecognized prior service cost 2 2 Amortization of unrecognized net loss 384 368 Net periodic pension cost $ 397 $ 358 Supplemental Pension Plan Service cost, benefits earned during the period $ 11 $ 11 Interest cost on projected benefit obligation 13 12 Expected return on plan assets — — Amortization of unrecognized prior service cost — — Amortization of unrecognized net loss 6 13 Net periodic supplemental pension cost $ 30 $ 36 Postretirement Plan, Medical and Life Service cost, benefits earned during the period $ 12 $ 12 Interest cost on projected benefit obligation 17 16 Expected return on plan assets — — Amortization of unrecognized prior service cost (24 ) (24 ) Amortization of unrecognized net loss 6 2 Net periodic postretirement, medical and life cost $ 11 $ 6

SEGMENT REPORTING

SEGMENT REPORTING	3 Months Ended
	Mar. 31, 2016
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 March 31, 2016 Core Banking WMG Holding Company and CFS Consolidated Totals Interest and dividend income $ 13,949 $ — $ — $ 13,949 Interest expense 924 — — 924 Net interest income 13,025 — — 13,025 Provision for loan losses 595 — — 595 Net interest income after provision for loan losses 12,430 — — 12,430 Other non-interest income 3,416 2,012 173 5,601 Other non-interest expenses 12,252 1,389 367 14,008 Income (loss) before income tax expense (benefit) 3,594 623 (194 ) 4,023 Income tax expense (benefit) 1,170 235 (89 ) 1,316 Segment net income (loss) $ 2,424 $ 388 $ (105 ) $ 2,707 Segment assets $ 1,637,242 $ 4,668 $ 1,316 $ 1,643,226 Three months ended March 31, 2015 Core Banking WMG Holding Company And CFS Consolidated Totals Interest and dividend income $ 13,231 $ — $ 3 $ 13,234 Interest expense 892 — — 892 Net interest income 12,339 — 3 12,342 Provision for loan losses 390 — — 390 Net interest income after provision for loan losses 11,949 — 3 11,952 Other non-interest income 2,714 2,126 346 5,186 Other non-interest expenses 12,148 1,304 284 13,736 Income before income tax expense 2,515 822 65 3,402 Income tax expense 815 302 9 1,126 Segment net income $ 1,700 $ 520 $ 56 $ 2,276 Segment assets $ 1,578,386 $ 4,707 $ 1,679 $ 1,584,772

STOCK COMPENSATION

STOCK COMPENSATION	3 Months Ended
	Mar. 31, 2016
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 2016 and 2015 , 9,532 and 9,673 shares, respectively, were re-issued from treasury to fund the stock component of directors' compensation. An expense of $67 thousand and $69 thousand related to this compensation was recognized during the three month periods ended March 31, 2016 and 2015 , respectively. This expense is accrued as shares are earned. Restricted Stock Plan Pursuant to the Corporation’s Restricted Stock Plan, the Corporation may make discretionary grants of restricted stock to officers other than the Corporation's Chief Executive Officer. Compensation expense is recognized over the vesting period of the awards based on the fair value of the stock at issue date. A summary of restricted stock activity for the three month period ended March 31, 2016 is presented below: Shares Weighted–Average Grant Date Fair Value Nonvested at January 1, 2016 22,569 $ 28.09 Granted — $ — Vested (415 ) $ 26.59 Forfeited or cancelled — $ — Nonvested at March 31, 2016 22,154 $ 28.12 As of March 31, 2016 , there was $567 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 3.56 years. The total fair value of shares vested was $11 thousand for both of the three month periods ended March 31, 2016 and 2015 .

SUMMARY OF SIGNIFICANT ACCOUN21

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	3 Months Ended
	Mar. 31, 2016
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.
Recent Accounting Pronouncements	Recent Accounting Pronouncements In January 2016, the FASB issued ASU 2016-01, an amendment to Recognition and Measurement of Financial Assets and Financial Liabilities (Subtopic 825-10) . The objectives of the ASU are to (1) require equity investments to be measured at fair value, with changes in fair value recognized in net income, (2) simplify the impairment assessment of equity investments without readily determinable fair values, (3) eliminate the requirement to disclose methods and significant assumptions used to estimate fair value for financial instruments measured at amortized cost on the balance sheet, (4) require the use of the exit price notion when measuring the fair value of financial instruments, and (5) clarify the need for a valuation allowance on a deferred tax asset related to available-for-sale securities in combination with the entity’s other deferred tax assets. The amendments in this ASU are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2017. The Corporation is evaluating the potential impact of ASU 2016-01 on the Corporation's consolidated financial statements. In February 2016, the FASB issued ASU No. 2016-02, Leases (Topic 842) . ASU 2016-02 requires companies that lease valuable assets to recognize on their balance sheets the assets and liabilities generated by contracts longer than a year. The amendments in this update are effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2018, though early adoption is permitted. The Corporation is evaluating the potential impact of ASU 2016-09 on the Corporation's consolidated financial statements. In March 2016, the FASB issued ASU 2016-08, Revenue from Contracts with Customers (Topic 606): Principal Versus Agent Consideration - Reporting Revenue Gross Versus Net . The objective of the ASU is to align the recognition of revenue with the transfer of promised goods or services provided to customers in an amount that reflects the consideration which the entity expects to be entitled in exchange for those goods or services. The amendments in this ASU are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2017. The Corporation is evaluating the potential impact on the Corporation's consolidated financial statements. In March 2016, the FASB issued ASU 2016-09, Compensation - Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting . The objectives of the ASU are to simplify accounting for a stock payment's tax consequences and amend how excess tax benefits and a business's payments to cover the tax bills for the shares' recipients should be classified. The amendments allow companies to estimate the number of stock awards they expect to vest, and they revise the withholding requirements for classifying stock awards as equity. The amendments in this ASU are effective for public companies for fiscal years beginning after December 15, 2016, though early adoption is permitted. The adoption of ASU 2016-09 is not expected to have a significant impact on the Corporation's consolidated financial statements.

SECURITIES (Tables)

SECURITIES (Tables)	3 Months Ended
	Mar. 31, 2016
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): March 31, 2016 Amortized Cost Unrealized Gains Unrealized Losses Estimated Fair Value Obligations of U.S. Government and U.S. Government sponsored enterprises $ 84,759 $ 600 $ 2 $ 85,357 Mortgage-backed securities, residential 192,145 1,109 226 193,028 Obligations of states and political subdivisions 43,383 865 2 44,246 Corporate bonds and notes 747 7 — 754 SBA loan pools 625 4 1 628 Corporate stocks 284 187 — 471 Total $ 321,943 $ 2,772 $ 231 $ 324,484 December 31, 2015 Amortized Cost Unrealized Gains Unrealized Losses Estimated Fair Value Obligations of U.S. Government and U.S. Government sponsored enterprises $ 99,430 $ 752 $ 16 $ 100,166 Mortgage-backed securities, residential 199,680 427 1,741 198,366 Obligations of states and political subdivisions 43,695 737 6 44,426 Corporate bonds and notes 747 5 — 752 SBA loan pools 643 5 1 647 Corporate stocks 285 178 — 463 Total $ 344,480 $ 2,104 $ 1,764 $ 344,820
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): March 31, 2016 Amortized Cost Unrealized Gains Unrealized Losses Estimated Fair Value Obligations of states and political subdivisions $ 4,577 $ 286 $ — $ 4,863 Total $ 4,577 $ 286 $ — $ 4,863 December 31, 2015 Amortized Cost Unrealized Gains Unrealized Losses Estimated Fair Value Obligations of states and political subdivisions $ 4,566 $ 256 $ — $ 4,822 Total $ 4,566 $ 256 $ — $ 4,822
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): March 31, 2016 Available for Sale Held to Maturity Amortized Fair Amortized Fair Within one year $ 54,394 $ 54,544 $ 2,212 $ 2,234 After one, but within five years 62,768 63,812 2,103 2,329 After five, but within ten years 11,727 12,001 262 300 After ten years — — — — 128,889 130,357 4,577 4,863 Mortgage-backed securities, residential 192,145 193,028 — — SBA loan pools 625 628 — — Total $ 321,659 $ 324,013 $ 4,577 $ 4,863
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 March 31, 2016 and 2015 are listed below (in thousands): 2016 2015 Proceeds $ 15,422 $ 51 Gross gains $ 908 $ 50 Tax expense $ 343 $ 19
Investment securities available for sale in an unrealized loss position	The following tables summarize the investment securities available for sale with unrealized losses at March 31, 2016 and December 31, 2015 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 March 31, 2016 Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized Obligations of U.S. Government and U.S. Government sponsored enterprises $ 5,022 $ 2 $ — $ — $ 5,022 $ 2 Mortgage-backed securities, residential 50,684 198 3,998 28 54,682 226 Obligations of states and political subdivisions 1,688 1 204 1 1,892 2 SBA loan pools — — 244 1 244 1 Total temporarily impaired securities $ 57,394 $ 201 $ 4,446 $ 30 $ 61,840 $ 231 Less than 12 months 12 months or longer Total December 31, 2015 Fair Value Unrealized Fair Value Unrealized Fair Value Unrealized Obligations of U.S. Government and U.S. Government sponsored enterprises $ 15,169 $ 16 $ — $ — $ 15,169 $ 16 Mortgage-backed securities, residential 177,058 1,741 — — 177,058 1,741 Obligations of states and political subdivisions 3,756 4 592 2 4,348 6 SBA loan pools — — 251 1 251 1 Total temporarily impaired securities $ 195,983 $ 1,761 $ 843 $ 3 $ 196,826 $ 1,764

LOANS AND ALLOWANCE FOR LOAN 23

LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)	3 Months Ended
	Mar. 31, 2016
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): March 31, 2016 December 31, 2015 Commercial and agricultural: Commercial and industrial $ 189,725 $ 192,197 Agricultural 841 1,036 Commercial mortgages: Construction 40,702 41,131 Commercial mortgages, other 494,327 465,347 Residential mortgages 196,751 195,778 Consumer loans: Credit cards 1,293 1,483 Home equity lines and loans 99,035 101,726 Indirect consumer loans 146,601 151,327 Direct consumer loans 17,618 18,608 Total loans, net of deferred loan fees $ 1,186,893 $ 1,168,633 Interest receivable on loans 2,928 2,870 Total recorded investment in loans $ 1,189,821 $ 1,171,503
Allowance for loan losses by portfolio segment	The following tables present the activity in the allowance for loan losses by portfolio segment for the three month periods ended March 31, 2016 and 2015 (in thousands): Three Months Ended March 31, 2016 Allowance for loan losses Commercial and Agricultural Commercial Mortgages Residential Mortgages Consumer Loans Total Beginning balance $ 1,831 $ 7,112 $ 1,464 $ 3,853 $ 14,260 Charge-offs (8 ) — — (443 ) (451 ) Recoveries 32 7 — 84 123 Net recoveries (charge-offs) 24 7 — (359 ) (328 ) Provision (60 ) 413 18 224 595 Ending balance $ 1,795 $ 7,532 $ 1,482 $ 3,718 $ 14,527 Three Months Ended March 31, 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 — — (21 ) (369 ) (390 ) Recoveries 15 67 — 124 206 Net recoveries (charge-offs) 15 67 (21 ) (245 ) (184 ) Provision 196 137 43 14 390 Ending balance $ 1,671 $ 6,530 $ 1,594 $ 4,097 $ 13,892
Allowance for loan losses and the recorded investment in loans based on impairment method	The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of March 31, 2016 and December 31, 2015 (in thousands): March 31, 2016 Allowance for loan losses: Commercial and Agricultural Commercial Mortgages Residential Mortgages Consumer Loans Total Ending allowance balance attributable to loans: Individually evaluated for impairment $ 9 $ 1,577 $ — $ 163 $ 1,749 Collectively evaluated for impairment 1,786 5,896 1,442 3,555 12,679 Loans acquired with deteriorated credit quality — 59 40 — 99 Total ending allowance balance $ 1,795 $ 7,532 $ 1,482 $ 3,718 $ 14,527 December 31, 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 $ 8 $ 1,481 $ — $ 77 $ 1,566 Collectively evaluated for impairment 1,823 5,572 1,424 3,776 12,595 Loans acquired with deteriorated credit quality — 59 40 — 99 Total ending allowance balance $ 1,831 $ 7,112 $ 1,464 $ 3,853 $ 14,260 March 31, 2016 Loans: Commercial Commercial Mortgages Residential Mortgages Consumer Loans Total Loans individually evaluated for impairment $ 1,051 $ 12,404 $ 311 $ 468 $ 14,234 Loans collectively evaluated for impairment 189,987 522,147 196,646 264,729 1,173,509 Loans acquired with deteriorated credit quality — 1,804 274 — 2,078 Total ending loans balance $ 191,038 $ 536,355 $ 197,231 $ 265,197 $ 1,189,821 December 31, 2015 Loans: Commercial Commercial Mortgages Residential Mortgages Consumer Loans Total Loans individually evaluated for impairment $ 1,498 $ 12,773 $ 235 $ 474 $ 14,980 Loans collectively evaluated for impairment 192,202 493,102 195,731 273,393 1,154,428 Loans acquired with deteriorated credit quality — 1,825 270 — 2,095 Total ending loans balance $ 193,700 $ 507,700 $ 196,236 $ 273,867 $ 1,171,503
Summary of impaired financing receivables	The following tables present loans individually evaluated for impairment recognized by class of loans as of March 31, 2016 and December 31, 2015 , the average recorded investment and interest income recognized by class of loans as of the three month periods ended March 31, 2016 and 2015 (in thousands): March 31, 2016 December 31, 2015 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 $ 1,039 $ 1,042 $ — $ 1,487 $ 1,489 $ — Commercial mortgages: Construction 343 345 — 349 350 — Commercial mortgages, other 7,185 7,215 — 7,551 7,577 — Residential mortgages 311 311 — 234 235 — Consumer loans: Home equity lines and loans 104 105 — 107 108 — With an allowance recorded: Commercial and agricultural: Commercial and industrial 9 9 9 9 9 8 Commercial mortgages: Commercial mortgages, other 4,910 4,844 1,577 4,913 4,846 1,481 Consumer loans: Home equity lines and loans 363 363 163 364 366 77 Total $ 14,264 $ 14,234 $ 1,749 $ 15,014 $ 14,980 $ 1,566 Three Months Ended Three Months Ended With no related allowance recorded: Average Recorded Investment Interest Income Recognized (1) Average Recorded Investment Interest Income Recognized (1) Commercial and agricultural: Commercial and industrial $ 1,266 $ 13 $ 1,517 $ 15 Commercial mortgages: Construction 348 4 1,904 25 Commercial mortgages, other 7,395 68 7,674 63 Residential mortgages 273 — 252 1 Consumer loans: Home equity lines & loans 107 1 458 6 With an allowance recorded: Commercial and agricultural: Commercial and industrial 9 — 196 3 Commercial mortgages: Commercial mortgages, other 4,845 1 4,184 23 Consumer loans: Home equity lines and loans 364 — 27 — Total $ 14,607 $ 87 $ 16,212 $ 136 (1) Cash basis interest income approximates interest income recognized. The following tables present the recorded investment in non-accrual and loans past due 90 days or more and still accruing by class of loans as of March 31, 2016 and December 31, 2015 (in thousands): Non-accrual Loans Past Due 90 Days or More and Still Accruing March 31, 2016 December 31, 2015 March 31, 2016 December 31, 2015 Commercial and agricultural: Commercial and industrial $ 69 $ 13 $ 5 $ 3 Agricultural — — — — Commercial mortgages: Construction 62 63 — — Commercial mortgages 6,886 7,203 2,242 — Residential mortgages 4,159 3,610 — — Consumer loans: Credit cards — — 13 15 Home equity lines and loans 1,156 758 — — Indirect consumer loans 390 542 — — Direct consumer loans 52 43 — — Total $ 12,774 $ 12,232 $ 2,260 $ 18
Recorded investment in past due and non-accrual status by class of loans	The following tables present the aging of the recorded investment in loans as of March 31, 2016 and December 31, 2015 (in thousands): March 31, 2016 30 - 59 Days Past Due 60 - 89 Days Past Due 90 Days or More Past Due Total Past Due Loans Acquired with Deteriorated Credit Quality Loans Not Past Due Total Commercial and agricultural: Commercial and industrial $ 46 $ 1 $ 74 $ 121 $ — $ 190,074 $ 190,195 Agricultural — — — — — 843 843 Commercial mortgages: Construction — — — — — 40,803 40,803 Commercial mortgages, other 5,902 199 5,490 11,591 1,804 482,157 495,552 Residential mortgages 1,908 783 1,287 3,978 274 192,979 197,231 Consumer loans: Credit cards 39 12 13 64 — 1,229 1,293 Home equity lines and loans 371 — 232 603 — 98,684 99,287 Indirect consumer loans 859 162 347 1,368 — 145,565 146,933 Direct consumer loans 44 31 30 105 — 17,579 17,684 Total $ 9,169 $ 1,188 $ 7,473 $ 17,830 $ 2,078 $ 1,169,913 $ 1,189,821 December 31, 2015 30 - 59 Days Past Due 60 - 89 Days Past Due 90 Days or More Past Due Total Past Due Loans Acquired with Deteriorated Credit Quality Loans Not Past Due Total Commercial and agricultural: Commercial and industrial $ 398 $ 3 $ 12 $ 413 $ — $ 192,248 $ 192,661 Agricultural — — — — — 1,039 1,039 Commercial mortgages: Construction — — — — — 41,231 41,231 Commercial mortgages, other 4,197 199 5,239 9,635 1,825 455,009 466,469 Residential mortgages 2,983 725 1,703 5,411 270 190,555 196,236 Consumer loans: Credit cards 30 4 15 49 — 1,434 1,483 Home equity lines and loans 233 77 239 549 — 101,427 101,976 Indirect consumer loans 1,744 4 447 2,195 — 149,531 151,726 Direct consumer loans 208 — 19 227 — 18,455 18,682 Total $ 9,793 $ 1,012 $ 7,674 $ 18,479 $ 2,095 $ 1,150,929 $ 1,171,503
Loans by class modified as troubled debt restructurings	The following table presents loans by class modified as TDRs for which there was a payment default within twelve months following the modification during the three months ended March 31, 2016 : Number of Loans Recorded Investment Commercial mortgages: Commercial mortgages 2 $ 2,145 Total 2 $ 2,145 The following table presents loans by class modified as TDRs that occurred during the three months ended March 31, 2016 and 2015 (in thousands): March 31, 2016 Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Troubled debt restructurings: Residential mortgage 1 $ 121 $ 125 Total 1 $ 121 $ 125 March 31, 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 Total 1 $ 477 $ 477
Risk category of the recorded investment of loans by class of loans	Commercial loans not meeting the criteria above to be considered criticized or classified are considered to be pass rated loans. Loans listed as not rated are included in groups of homogeneous loans performing under terms of the loan notes. Based on the analyses performed as of March 31, 2016 and December 31, 2015 , the risk category of the recorded investment of loans by class of loans is as follows (in thousands): March 31, 2016 Not Rated Pass Loans acquired with deteriorated credit quality Special Mention Substandard Doubtful Total Commercial and agricultural: Commercial and industrial $ — $ 185,438 $ — $ 2,956 $ 1,792 $ 9 $ 190,195 Agricultural — 843 — — — — 843 Commercial mortgages: Construction — 39,257 — 1,484 62 — 40,803 Commercial mortgages — 467,198 1,804 8,388 13,956 4,206 495,552 Residential mortgages 192,798 — 274 — 4,159 — 197,231 Consumer loans: Credit cards 1,293 — — — — — 1,293 Home equity lines and loans 98,132 — — — 1,155 — 99,287 Indirect consumer loans 146,543 — — — 390 — 146,933 Direct consumer loans 17,632 — — — 52 — 17,684 Total $ 456,398 $ 692,736 $ 2,078 $ 12,828 $ 21,566 $ 4,215 $ 1,189,821 December 31, 2015 Not Rated Pass Loans acquired with deteriorated credit quality Special Mention Substandard Doubtful Total Commercial and agricultural: Commercial and industrial $ — $ 186,359 $ — $ 3,772 $ 2,521 $ 9 $ 192,661 Agricultural — 1,039 — — — — 1,039 Commercial mortgages: Construction — 40,881 — 287 63 — 41,231 Commercial mortgages — 437,549 1,825 8,437 14,454 4,204 466,469 Residential mortgages 192,245 — 270 — 3,721 — 196,236 Consumer loans: Credit cards 1,483 — — — — — 1,483 Home equity lines and loans 101,218 — — — 758 — 101,976 Indirect consumer loans 151,184 — — — 542 — 151,726 Direct consumer loans 18,639 — — — 43 — 18,682 Total $ 464,769 $ 665,828 $ 2,095 $ 12,496 $ 22,102 $ 4,213 $ 1,171,503
Recorded investment in residential and consumer loans based on payment activity	The following table presents the recorded investment in residential and consumer loans based on payment activity as of March 31, 2016 and December 31, 2015 (in thousands): March 31, 2016 Consumer Loans Residential Mortgages Credit Card Home Equity Lines and Loans Indirect Consumer Loans Other Direct Consumer Loans Performing $ 193,072 $ 1,293 $ 98,132 $ 146,543 $ 17,632 Non-Performing 4,159 — 1,155 390 52 $ 197,231 $ 1,293 $ 99,287 $ 146,933 $ 17,684 December 31, 2015 Consumer Loans Residential Mortgages Credit Card Home Equity Lines and Loans Indirect Consumer Loans Other Direct Consumer Loans Performing $ 192,626 $ 1,483 $ 101,218 $ 151,184 $ 18,639 Non-Performing 3,610 — 758 542 43 $ 196,236 $ 1,483 $ 101,976 $ 151,726 $ 18,682
Summary of changes in contractually required principal and interest on loans acquired	The tables below summarizes the changes in total contractually required principal and interest cash payments, management’s estimate of expected total cash payments and carrying value of the PCI loans from January 1, 2016 to March 31, 2016 and January 1, 2015 to March 31, 2015 (in thousands): Three Months Ended March 31, 2016 Balance at December 31, 2015 Income Accretion All Other Adjustments Balance at March 31, 2016 Contractually required principal and interest $ 2,912 $ — $ (54 ) $ 2,858 Contractual cash flows not expected to be collected (nonaccretable discount) (506 ) — 1 (505 ) Cash flows expected to be collected 2,406 — (53 ) 2,353 Interest component of expected cash flows (accretable yield) (311 ) 37 (1 ) (275 ) Fair value of loans acquired with deteriorating credit quality $ 2,095 $ 37 $ (54 ) $ 2,078 Three Months Ended March 31, 2015 Balance at December 31, 2014 Income Accretion All Other Adjustments Balance at March 31, 2015 Contractually required principal and interest $ 3,621 $ — $ (676 ) $ 2,945 Contractual cash flows not expected to be collected (nonaccretable discount) (570 ) — (25 ) (595 ) Cash flows expected to be collected 3,051 — (701 ) 2,350 Interest component of expected cash flows (accretable yield) (420 ) 63 24 (333 ) Fair value of loans acquired with deteriorating credit quality $ 2,631 $ 63 $ (677 ) $ 2,017

FAIR VALUE (Tables)

FAIR VALUE (Tables)	3 Months Ended
	Mar. 31, 2016
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 March 31, 2016 Using Financial Assets: Fair Value Quoted Prices Significant Significant Unobservable Inputs Obligations of U.S. Government and U.S. Government sponsored enterprises $ 85,357 $ — $ 85,357 $ — Mortgage-backed securities, residential 193,028 — 193,028 — Obligations of states and political subdivisions 44,246 — 44,246 — Corporate bonds and notes 754 — 502 252 SBA loan pools 628 — 628 — Corporate stocks 471 54 417 — Total available for sale securities $ 324,484 $ 54 $ 324,178 $ 252 Trading assets $ 734 $ 734 $ — $ — Derivative assets 87 — 87 — Financial Liabilities: Derivative liabilities $ 171 $ — $ 87 $ 84 Fair Value Measurement at December 31, 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 Obligations of U.S. Government and U.S. Government sponsored enterprises $ 100,166 $ 14,784 $ 85,382 $ — Mortgage-backed securities, residential 198,366 — 198,366 — Obligations of states and political subdivisions 44,426 — 44,426 — Corporate bonds and notes 752 — 504 248 SBA loan pools 647 — 647 — Corporate stocks 463 56 407 — Total available for sale securities $ 344,820 $ 14,840 $ 329,732 $ 248 Trading assets $ 701 $ 701 $ — $ — Derivative assets 15 — 15 — Financial Liabilities: Derivative liabilities $ 63 $ — $ 15 $ 48
Assets Measured on Recurring Basis, Unobservable Input Reconciliation	The table below presents a reconciliation of all assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the three month periods ended March 31, 2016 and March 31, 2015 : Assets (Liabilities) Corporate Bonds and Notes Derivative Liabilities (in thousands) March 31, 2016 March 31, 2015 March 31, 2016 March 31, 2015 Balance of recurring Level 3 assets at January 1 $ 248 $ — $ (48 ) $ (18 ) Derivative instruments entered into — — (2 ) — Total gains or losses for the period: Included in earnings - other non-interest income — — (34 ) (15 ) Included in other comprehensive income 4 — — — Transfers into Level 3 — — — — Balance of recurring Level 3 assets at March 31 $ 252 $ — $ (84 ) $ (33 )
Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation	The table below presents a reconciliation of all assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the three month periods ended March 31, 2016 and March 31, 2015 : Assets (Liabilities) Corporate Bonds and Notes Derivative Liabilities (in thousands) March 31, 2016 March 31, 2015 March 31, 2016 March 31, 2015 Balance of recurring Level 3 assets at January 1 $ 248 $ — $ (48 ) $ (18 ) Derivative instruments entered into — — (2 ) — Total gains or losses for the period: Included in earnings - other non-interest income — — (34 ) (15 ) Included in other comprehensive income 4 — — — Transfers into Level 3 — — — — Balance of recurring Level 3 assets at March 31 $ 252 $ — $ (84 ) $ (33 )
Summary of assets and liabilities measured at fair value on a non-recurring basis	Assets and liabilities measured at fair value on a non-recurring basis are summarized below (in thousands): Fair Value Measurement at March 31, 2016 Using Financial Assets: Fair Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Impaired Loans: Commercial mortgages: Commercial mortgages $ 612 $ — $ — $ 612 Consumer loans: Home equity lines and loans 200 — — 200 Total impaired loans $ 812 $ — $ — $ 812 Other real estate owned: Commercial mortgages: Commercial mortgages $ 1,491 $ — $ 1,491 $ — Residential mortgages 134 — — 134 Consumer loans: Home equity lines and loans 17 — — 17 Total other real estate owned, net $ 1,642 $ — $ 1,491 $ 151 Fair Value Measurement at December 31, 2015 Using Financial Assets: Fair Value Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Impaired Loans: Commercial mortgages: Commercial mortgages $ 2,629 $ — $ — $ 2,629 Consumer loans: Home equity lines and loans 287 — — 287 Total impaired loans $ 2,916 $ — $ — $ 2,916 Other real estate owned: Commercial mortgages: Commercial mortgages $ 1,491 $ — $ 1,491 $ — Residential mortgages 39 — — 39 Total other real estate owned, net $ 1,530 $ — $ 1,491 $ 39
Nonrecurring fair value measurement, valuation techniques	The following tables presents information related to Level 3 non-recurring fair value measurement at March 31, 2016 and December 31, 2015 (in thousands): Description Fair Value at March 31, 2016 Valuation Technique Unobservable Inputs Range Impaired loans: Commercial mortgages: Commercial mortgages $ 612 Sales comparison Discount to appraised value 11.75% - 18.55% Consumer loans: Home equity lines and loans 200 Sales comparison Discount to appraised value 24.92% - 24.92% $ 812 OREO Residential mortgages $ 134 Sales comparison Discount to appraised value 20.80% - 27.97% Consumer loans: Home equity lines and loans 17 Sales comparison Discount to appraised value 20.80% - 20.80% $ 151 Description Fair Value at December 31, 2015 Valuation Technique Unobservable Inputs Range Impaired loans: Commercial mortgages: Commercial mortgages $ 2,629 Sales comparison Discount to appraised value 10.00% - 17.19% Consumer loans: Home equity lines and loans 287 Sales comparison Discount to appraised value 18.04% - 18.04% $ 2,916 OREO: Residential mortgages $ 39 Sales comparison Discount to appraised value 22.30% - 22.30% $ 39 The following table presents information related to Level 3 recurring fair value measurements at March 31, 2016 and December 31, 2015 (in thousands): Description Fair Value at Valuation Technique Unobservable Inputs Range Corporate bonds and notes $ 252 Discounted cash flow Credit spread 1.73% - 1.73% Derivative liabilities $ 84 Historical trend Credit default rate 5.83% - 5.83% Description Fair Value at Valuation Technique Unobservable Inputs Range Corporate bonds and notes $ 248 Discounted cash flow Credit spread 1.73% - 1.73% Derivative liabilities $ 48 Historical trend Credit default rate 5.83% - 5.83%
Carrying value and estimated fair value of financial instruments	The carrying amounts and estimated fair values of other financial instruments, at March 31, 2016 and December 31, 2015 , are as follows (in thousands): March 31, 2016 Financial assets: Carrying Amount Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Estimated Fair Value Cash and due from financial institutions $ 26,471 $ 26,471 $ — $ — $ 26,471 Interest-bearing deposits in other financial institutions 29,388 29,388 — — 29,388 Trading assets 734 734 — — 734 Securities available for sale 324,484 54 324,178 252 324,484 Securities held to maturity 4,577 — — 4,863 4,863 FHLBNY and FRBNY stock 4,179 — — — N/A Loans, net 1,172,366 — — 1,196,894 1,196,894 Loans held for sale 593 — 593 — 593 Accrued interest receivable 4,386 — 1,488 2,898 4,386 Derivative assets 87 — 87 — 87 Financial liabilities: Deposits: Demand, savings, and insured money market accounts $ 1,270,711 $ 1,270,711 $ — $ — $ 1,270,711 Time deposits 163,541 — 164,001 — 164,001 Securities sold under agreements to repurchase 28,825 — 29,533 — 29,533 FHLBNY term advances 19,175 — 19,637 — 19,637 Accrued interest payable 207 17 190 — 207 Derivative liabilities 171 — 87 84 171 (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. December 31, 2015 Financial assets: Carrying Amount Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Estimated Fair Value Cash and due from financial institutions $ 24,886 $ 24,886 $ — $ — $ 24,886 Interest-bearing deposits in other financial institutions 1,299 1,299 — — 1,299 Trading assets 701 701 — — 701 Securities available for sale 344,820 14,840 329,732 248 344,820 Securities held to maturity 4,566 — — 4,822 4,822 FHLBNY and FRBNY stock 4,797 — — — N/A Loans, net 1,154,373 — — 1,178,081 1,178,081 Loans held for sale 1,076 — 1,076 — 1,076 Accrued interest receivable 4,015 39 1,141 2,835 4,015 Derivative assets 15 — 15 — 15 Financial liabilities: Deposits: Demand, savings, and insured money market accounts $ 1,234,216 $ 1,234,216 $ — $ — $ 1,234,216 Time deposits 166,079 — 166,551 — 166,551 Securities sold under agreements to repurchase 28,453 — 29,128 — 29,128 FHLBNY overnight advances 13,900 — 13,901 — 13,901 FHLBNY term advances 19,203 — 19,658 — 19,658 Accrued interest payable 209 17 192 — 209 Derivative liabilities 63 — 15 48 63 (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)	3 Months Ended
	Mar. 31, 2016
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 March 31, 2016 and 2015 were as follows (in thousands): 2016 2015 Beginning of year $ 21,824 $ 21,824 Acquired goodwill — — Ending balance March 31, $ 21,824 $ 21,824
Schedule of acquired finite-lived intangible assets by major class	Acquired intangible assets were as follows at March 31, 2016 and December 31, 2015 (in thousands): At March 31, 2016 At December 31, 2015 Balance Acquired Accumulated Amortization Balance Acquired Accumulated Amortization Core deposit intangibles $ 5,975 $ 4,226 $ 5,975 $ 4,057 Other customer relationship intangibles 5,633 3,709 5,633 3,620 Total $ 11,608 $ 7,935 $ 11,608 $ 7,677
Schedule of expected amortization expense	The remaining estimated aggregate amortization expense at March 31, 2016 is listed below (in thousands): Year Estimated Expense 2016 $ 728 2017 859 2018 734 2019 609 2020 484 2021 259 Total $ 3,673

SECURITIES SOLD UNDER AGREEME26

SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE (Tables)	3 Months Ended
	Mar. 31, 2016
Disclosure of Repurchase Agreements [Abstract]
Summary of securities sold under agreements to repurchase	A summary of securities sold under agreements to repurchase as of March 31, 2016 and December 31, 2015 is as follows (in thousands): March 31, 2016 Overnight and Continuous Up to 1 Year 1 - 3 Years 3+ Years Total Obligations of U.S. Government and U.S. Government sponsored enterprises $ — $ 1,786 $ 1,107 $ — $ 2,893 Mortgage-backed securities, residential 17,475 8,884 12,009 — 38,368 Total $ 17,475 $ 10,670 $ 13,116 $ — 41,261 Excess collateral held (12,436 ) Gross amount of recognized liabilities for repurchase agreements $ 28,825 December 31, 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 $ 12,163 $ 1,781 $ 9,323 $ — $ 23,267 Mortgage-backed securities, residential 8,280 9,174 3,135 — 20,589 Total $ 20,443 $ 10,955 $ 12,458 $ — 43,856 Excess collateral held (15,403 ) Gross amount of recognized liabilities for repurchase agreements $ 28,453

ACCUMULATED OTHER COMPREHENSI27

ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS (Tables)	3 Months Ended
	Mar. 31, 2016
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 January 1, 2016 $ 210 $ (11,152 ) $ (10,942 ) Other comprehensive income before reclassification 1,936 — 1,936 Amounts reclassified from accumulated other comprehensive income (565 ) 233 (332 ) Net current period other comprehensive gain 1,371 233 1,604 Balance at March 31, 2016 $ 1,581 $ (10,919 ) $ (9,338 ) Unrealized Gains and Losses on Securities Available for Sale Defined Benefit and Other Benefit Plans Total Balance at January 1, 2015 $ 1,960 $ (10,745 ) $ (8,785 ) Other comprehensive loss before reclassification 805 — 805 Amounts reclassified from accumulated other comprehensive income (31 ) 224 193 Net current period other comprehensive gain 774 224 998 Balance at March 31, 2015 $ 2,734 $ (10,521 ) $ (7,787 )
Reclassification out of accumulated other comprehensive income	The following is the reclassification out of accumulated other comprehensive income for the periods indicated (in thousands): Details about Accumulated Other Comprehensive Income Components Three Months Ended Affected Line Item 2016 2015 Unrealized gains and losses on securities available for sale: Realized gains on securities available for sale $ (908 ) $ (50 ) Net gains on securities transactions Tax effect 343 19 Income tax expense Net of tax (565 ) (31 ) Amortization of defined pension plan and other benefit plan items: Prior service costs (a) (22 ) (22 ) Pension and other employee benefits Actuarial losses (a) 396 383 Pension and other employee benefits Tax effect (141 ) (137 ) Income tax expense Net of tax 233 224 Total reclassification for the period, net of tax $ (332 ) $ 193 (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)	3 Months Ended
	Mar. 31, 2016
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 March 31, 2016 and December 31, 2015 (in thousands): March 31, 2016 December 31, 2015 Fixed Rate Variable Rate Fixed Rate Variable Rate Commitments to make loans $ 22,740 $ 33,557 $ 17,167 $ 25,251 Unused lines of credit $ 866 $ 191,990 $ 1,265 $ 177,004 Standby letters of credit $ — $ 14,618 $ — $ 14,646
Schedule of future rent payments	Minimum lease commitments, before considering renewal options, are as follows (in thousands): Years Annual Rent Total Rent 2016 - 2021 $ 133 $ 665 2021 - 2026 145 725 2026 - 2031 158 790 2031 - 2036 172 860 Total $ 3,040

COMPONENTS OF QUARTERLY AND Y29

COMPONENTS OF QUARTERLY AND YEAR TO DATE NET PERIODIC BENEFIT COSTS (Tables)	3 Months Ended
	Mar. 31, 2016
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 2016 2015 Qualified Pension Plan Service cost, benefits earned during the period $ 296 $ 354 Interest cost on projected benefit obligation 470 457 Expected return on plan assets (755 ) (823 ) Amortization of unrecognized transition obligation — — Amortization of unrecognized prior service cost 2 2 Amortization of unrecognized net loss 384 368 Net periodic pension cost $ 397 $ 358 Supplemental Pension Plan Service cost, benefits earned during the period $ 11 $ 11 Interest cost on projected benefit obligation 13 12 Expected return on plan assets — — Amortization of unrecognized prior service cost — — Amortization of unrecognized net loss 6 13 Net periodic supplemental pension cost $ 30 $ 36 Postretirement Plan, Medical and Life Service cost, benefits earned during the period $ 12 $ 12 Interest cost on projected benefit obligation 17 16 Expected return on plan assets — — Amortization of unrecognized prior service cost (24 ) (24 ) Amortization of unrecognized net loss 6 2 Net periodic postretirement, medical and life cost $ 11 $ 6

SEGMENT REPORTING (Tables)

SEGMENT REPORTING (Tables)	3 Months Ended
	Mar. 31, 2016
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 March 31, 2016 Core Banking WMG Holding Company and CFS Consolidated Totals Interest and dividend income $ 13,949 $ — $ — $ 13,949 Interest expense 924 — — 924 Net interest income 13,025 — — 13,025 Provision for loan losses 595 — — 595 Net interest income after provision for loan losses 12,430 — — 12,430 Other non-interest income 3,416 2,012 173 5,601 Other non-interest expenses 12,252 1,389 367 14,008 Income (loss) before income tax expense (benefit) 3,594 623 (194 ) 4,023 Income tax expense (benefit) 1,170 235 (89 ) 1,316 Segment net income (loss) $ 2,424 $ 388 $ (105 ) $ 2,707 Segment assets $ 1,637,242 $ 4,668 $ 1,316 $ 1,643,226 Three months ended March 31, 2015 Core Banking WMG Holding Company And CFS Consolidated Totals Interest and dividend income $ 13,231 $ — $ 3 $ 13,234 Interest expense 892 — — 892 Net interest income 12,339 — 3 12,342 Provision for loan losses 390 — — 390 Net interest income after provision for loan losses 11,949 — 3 11,952 Other non-interest income 2,714 2,126 346 5,186 Other non-interest expenses 12,148 1,304 284 13,736 Income before income tax expense 2,515 822 65 3,402 Income tax expense 815 302 9 1,126 Segment net income $ 1,700 $ 520 $ 56 $ 2,276 Segment assets $ 1,578,386 $ 4,707 $ 1,679 $ 1,584,772

STOCK COMPENSATION (Tables)

STOCK COMPENSATION (Tables)	3 Months Ended
	Mar. 31, 2016
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 March 31, 2016 is presented below: Shares Weighted–Average Grant Date Fair Value Nonvested at January 1, 2016 22,569 $ 28.09 Granted — $ — Vested (415 ) $ 26.59 Forfeited or cancelled — $ — Nonvested at March 31, 2016 22,154 $ 28.12

EARNING PER COMMON SHARE (Detai

EARNING PER COMMON SHARE (Details) - shares	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Earnings Per Share [Abstract]
Weighted average number of shares outstanding (in shares)	4,750,000	4,707,000
Dilutive common stock equivalents (in shares)	0	0

SECURITIES - SECURITIES AVAILAB

SECURITIES - SECURITIES AVAILABLE FOR SALE (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Amortized cost and estimated fair value of securities available for sale [Abstract]
Amortized Cost	$ 321,943		$ 344,480
Unrealized Gains	2,772		2,104
Unrealized Losses	231		1,764
Estimated Fair Value	324,484		344,820
Amortized Cost [Abstract]
Within one year	54,394
After one, but within five years	62,768
After five, but within ten years	11,727
After ten years	0
Total	128,889
Total	321,659
Fair Value [Abstract]
Within one year	54,544
After one, but within five years	63,812
After five, but within ten years	12,001
After ten years	0
Total	130,357
Total	324,013
Proceeds from sales and calls of securities resulting in gains or losses [Abstract]
Proceeds	15,422	$ 51
Gross gains	908	50
Tax expense	343	$ 19
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	84,759		99,430
Unrealized Gains	600		752
Unrealized Losses	2		16
Estimated Fair Value	85,357		100,166
Mortgage-Backed Securities, Residential [Member]
Amortized cost and estimated fair value of securities available for sale [Abstract]
Amortized Cost	192,145		199,680
Unrealized Gains	1,109		427
Unrealized Losses	226		1,741
Estimated Fair Value	193,028		198,366
Amortized Cost [Abstract]
Without Single Maturity Date	192,145
Fair Value [Abstract]
Without Single Maturity Date	193,028
Obligations of States and Political Subdivisions [Member]
Amortized cost and estimated fair value of securities available for sale [Abstract]
Amortized Cost	43,383		43,695
Unrealized Gains	865		737
Unrealized Losses	2		6
Estimated Fair Value	44,246		44,426
Corporate Bonds and Notes [Member]
Amortized cost and estimated fair value of securities available for sale [Abstract]
Amortized Cost	747		747
Unrealized Gains	7		5
Unrealized Losses	0		0
Estimated Fair Value	754		752
SBA Loans Pools [Member]
Amortized cost and estimated fair value of securities available for sale [Abstract]
Amortized Cost	625		643
Unrealized Gains	4		5
Unrealized Losses	1		1
Estimated Fair Value	628		647
Amortized Cost [Abstract]
Without Single Maturity Date	625
Fair Value [Abstract]
Without Single Maturity Date	628
Corporate Stocks [Member]
Amortized cost and estimated fair value of securities available for sale [Abstract]
Amortized Cost	284		285
Unrealized Gains	187		178
Unrealized Losses	0		0
Estimated Fair Value	$ 471		$ 463

SECURITIES - SECURITIES HELD TO

SECURITIES - SECURITIES HELD TO MATURITY (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Amortized cost and estimated fair value of securities held to maturity [Abstract]
Amortized Cost	$ 4,577	$ 4,566
Unrealized Gains	286	256
Unrealized Losses	0	0
Securities held to maturity	4,863	4,822
Amortized Cost [Abstract]
Within one year	2,212
After one, but within five years	2,103
After five, but within ten years	262
After ten years	0
Total	4,577
Amortized Cost	4,577	4,566
Fair Value [Abstract]
Within one year	2,234
After one, but within five years	2,329
After five, but within ten years	300
After ten years	0
Total	4,863
Fair Value	4,863	4,822
Obligations of States and Political Subdivisions [Member]
Amortized cost and estimated fair value of securities held to maturity [Abstract]
Amortized Cost	4,577	4,566
Unrealized Gains	286	256
Unrealized Losses	0	0
Securities held to maturity	4,863	4,822
Amortized Cost [Abstract]
Amortized Cost	4,577	4,566
Fair Value [Abstract]
Fair Value	4,863	$ 4,822
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 SECURIT

SECURITIES - INVESTMENT SECURITIES AVAILABLE FOR SALE IN CONTINUOUS UNREALIZED LOSS POSITION (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Available-for-sale securities in a continuous unrealized loss position, fair value [Abstract]
Less than 12 months	$ 57,394	$ 195,983
12 months or longer	4,446	843
Total	61,840	196,826
Available-for-sale securities in a continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months	201	1,761
12 months or longer	30	3
Total	231	1,764
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	5,022	15,169
12 months or longer	0	0
Total	5,022	15,169
Available-for-sale securities in a continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months	2	16
12 months or longer	0	0
Total	2	16
Mortgage-Backed Securities, Residential [Member]
Available-for-sale securities in a continuous unrealized loss position, fair value [Abstract]
Less than 12 months	50,684	177,058
12 months or longer	3,998	0
Total	54,682	177,058
Available-for-sale securities in a continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months	198	1,741
12 months or longer	28	0
Total	226	1,741
Obligations of States and Political Subdivisions [Member]
Available-for-sale securities in a continuous unrealized loss position, fair value [Abstract]
Less than 12 months	1,688	3,756
12 months or longer	204	592
Total	1,892	4,348
Available-for-sale securities in a continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months	1	4
12 months or longer	1	2
Total	2	6
SBA Loans Pools [Member]
Available-for-sale securities in a continuous unrealized loss position, fair value [Abstract]
Less than 12 months	0	0
12 months or longer	244	251
Total	244	251
Available-for-sale securities in a continuous unrealized loss position, unrealized losses [Abstract]
Less than 12 months	0	0
12 months or longer	1	1
Total	$ 1	$ 1

LOANS AND ALLOWANCE FOR LOAN 36

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	$ 1,186,893	$ 1,168,633
Interest receivable on loans	2,928	2,870
Total	1,189,821	1,171,503
Commercial and Agricultural [Member]
Composition of loan portfolio [Abstract]
Total	191,038	193,700
Commercial and Agricultural [Member] | Commercial and Industrial [Member]
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	189,725	192,197
Total	190,195	192,661
Commercial and Agricultural [Member] | Agricultural [Member]
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	841	1,036
Total	843	1,039
Commercial Mortgages [Member]
Composition of loan portfolio [Abstract]
Total	536,355	507,700
Commercial Mortgages [Member] | Construction [Member]
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	40,702	41,131
Total	40,803	41,231
Commercial Mortgages [Member] | Commercial Mortgages Other [Member]
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	494,327	465,347
Total	495,552	466,469
Residential Mortgages [Member]
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	196,751	195,778
Total	197,231	196,236
Consumer Loans [Member]
Composition of loan portfolio [Abstract]
Total	265,197	273,867
Consumer Loans [Member] | Credit Cards [Member]
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	1,293	1,483
Total	1,293	1,483
Consumer Loans [Member] | Home Equity Lines and Loans [Member]
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	99,035	101,726
Total	99,287	101,976
Consumer Loans [Member] | Indirect Consumer Loans [Member]
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	146,601	151,327
Total	146,933	151,726
Consumer Loans [Member] | Direct Consumer Loans [Member]
Composition of loan portfolio [Abstract]
Total loans, net of deferred loan fees	17,618	18,608
Total	$ 17,684	$ 18,682

LOANS AND ALLOWANCE FOR LOAN 37

LOANS AND ALLOWANCE FOR LOAN LOSSES - ALLOWANCES (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Mar. 31, 2016	Dec. 31, 2015
Allowance for loan losses, by portfolio segment [Roll Forward]
Beginning balance	$ 14,260	$ 13,686
Charge-offs	(451)	(390)
Recoveries	123	206
Net recoveries (charge-offs)	(328)	(184)
Provision	595	390
Ending balance	14,527	13,892
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment			$ 1,749	$ 1,566
Collectively evaluated for impairment			12,679	12,595
Total ending allowance balance	14,260	13,686	14,527	14,260
Loans [Abstract]
Loans individually evaluated for impairment			14,234	14,980
Loans collectively evaluated for impairment			1,173,509	1,154,428
Total ending loans balance			1,189,821	1,171,503
Loans Acquired with Deteriorated Credit Quality [Member]
Allowance for loan losses, by portfolio segment [Roll Forward]
Beginning balance	99
Ending balance	99
Ending allowance balance attributable to loans [Abstract]
Total ending allowance balance	99		99	99
Loans [Abstract]
Total ending loans balance			2,078	2,095
Commercial and Agricultural [Member]
Allowance for loan losses, by portfolio segment [Roll Forward]
Beginning balance	1,831	1,460
Charge-offs	(8)	0
Recoveries	32	15
Net recoveries (charge-offs)	24	15
Provision	(60)	196
Ending balance	1,795	1,671
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment			9	8
Collectively evaluated for impairment			1,786	1,823
Total ending allowance balance	1,831	1,460	1,795	1,831
Loans [Abstract]
Loans individually evaluated for impairment			1,051	1,498
Loans collectively evaluated for impairment			189,987	192,202
Total ending loans balance			191,038	193,700
Commercial and Agricultural [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Allowance for loan losses, by portfolio segment [Roll Forward]
Beginning balance	0
Ending balance	0
Ending allowance balance attributable to loans [Abstract]
Total ending allowance balance	0		0	0
Loans [Abstract]
Total ending loans balance			0	0
Commercial Mortgages [Member]
Allowance for loan losses, by portfolio segment [Roll Forward]
Beginning balance	7,112	6,326
Charge-offs	0	0
Recoveries	7	67
Net recoveries (charge-offs)	7	67
Provision	413	137
Ending balance	7,532	6,530
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment			1,577	1,481
Collectively evaluated for impairment			5,896	5,572
Total ending allowance balance	7,112	6,326	7,532	7,112
Loans [Abstract]
Loans individually evaluated for impairment			12,404	12,773
Loans collectively evaluated for impairment			522,147	493,102
Total ending loans balance			536,355	507,700
Commercial Mortgages [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Allowance for loan losses, by portfolio segment [Roll Forward]
Beginning balance	59
Ending balance	59
Ending allowance balance attributable to loans [Abstract]
Total ending allowance balance	59		59	59
Loans [Abstract]
Total ending loans balance			1,804	1,825
Residential Mortgages [Member]
Allowance for loan losses, by portfolio segment [Roll Forward]
Beginning balance	1,464	1,572
Charge-offs	0	(21)
Recoveries	0	0
Net recoveries (charge-offs)	0	(21)
Provision	18	43
Ending balance	1,482	1,594
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment			0	0
Collectively evaluated for impairment			1,442	1,424
Total ending allowance balance	1,464	1,572	1,482	1,464
Loans [Abstract]
Loans individually evaluated for impairment			311	235
Loans collectively evaluated for impairment			196,646	195,731
Total ending loans balance			197,231	196,236
Residential Mortgages [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Allowance for loan losses, by portfolio segment [Roll Forward]
Beginning balance	40
Ending balance	40
Ending allowance balance attributable to loans [Abstract]
Total ending allowance balance	40		40	40
Loans [Abstract]
Total ending loans balance			274	270
Consumer Loans [Member]
Allowance for loan losses, by portfolio segment [Roll Forward]
Beginning balance	3,853	4,328
Charge-offs	(443)	(369)
Recoveries	84	124
Net recoveries (charge-offs)	(359)	(245)
Provision	224	14
Ending balance	3,718	4,097
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment			163	77
Collectively evaluated for impairment			3,555	3,776
Total ending allowance balance	3,853	$ 4,328	3,718	3,853
Loans [Abstract]
Loans individually evaluated for impairment			468	474
Loans collectively evaluated for impairment			264,729	273,393
Total ending loans balance			265,197	273,867
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
Ending allowance balance attributable to loans [Abstract]
Total ending allowance balance	$ 0		0	0
Loans [Abstract]
Total ending loans balance			$ 0	$ 0

LOANS AND ALLOWANCE FOR LOAN 38

LOANS AND ALLOWANCE FOR LOAN LOSSES - IMPAIRED LOANS (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Unpaid Principal Balance [Abstract]
Unpaid Principal Balance, Total	$ 14,264		$ 15,014
Recorded Investment [Abstract]
Recorded Investment, Total	14,234		14,980
Allowance for Loan Losses Allocated	1,749		1,566
Average Recorded Investment [Abstract]
Average Recorded Investment, Total	14,607	$ 16,212
Interest Income, Accrual Method [Abstract]
Interest Income, Accrual Method, Total	87	136
Commercial and Agricultural [Member] | Commercial and Industrial [Member]
Unpaid Principal Balance [Abstract]
With no related allowance, Unpaid Principal Balance	1,039		1,487
With related allowance, Unpaid Principal Balance	9		9
Recorded Investment [Abstract]
With no related allowance, Recorded Investment	1,042		1,489
With related allowance, Recorded Investment	9		9
Allowance for Loan Losses Allocated	9		8
Average Recorded Investment [Abstract]
With no related allowance, Average Recorded Investment	1,266	1,517
With related allowance, Average Recorded Investment	9	196
Interest Income, Accrual Method [Abstract]
With no related allowance, Interest Income, Accrual Method	13	15
With related allowance, Interest Income, Accrual Method	0	3
Commercial Mortgages [Member] | Construction [Member]
Unpaid Principal Balance [Abstract]
With no related allowance, Unpaid Principal Balance	343		349
Recorded Investment [Abstract]
With no related allowance, Recorded Investment	345		350
Average Recorded Investment [Abstract]
With no related allowance, Average Recorded Investment	348	1,904
Interest Income, Accrual Method [Abstract]
With no related allowance, Interest Income, Accrual Method	4	25
Commercial Mortgages [Member] | Commercial Mortgages other [Member]
Unpaid Principal Balance [Abstract]
With no related allowance, Unpaid Principal Balance	7,185		7,551
With related allowance, Unpaid Principal Balance	4,910		4,913
Recorded Investment [Abstract]
With no related allowance, Recorded Investment	7,215		7,577
With related allowance, Recorded Investment	4,844		4,846
Allowance for Loan Losses Allocated	1,577		1,481
Average Recorded Investment [Abstract]
With no related allowance, Average Recorded Investment	7,395	7,674
With related allowance, Average Recorded Investment	4,845	4,184
Interest Income, Accrual Method [Abstract]
With no related allowance, Interest Income, Accrual Method	68	63
With related allowance, Interest Income, Accrual Method	1	23
Residential Mortgages [Member]
Unpaid Principal Balance [Abstract]
With no related allowance, Unpaid Principal Balance	311		234
Recorded Investment [Abstract]
With no related allowance, Recorded Investment	311		235
Average Recorded Investment [Abstract]
With no related allowance, Average Recorded Investment	273	252
Interest Income, Accrual Method [Abstract]
With no related allowance, Interest Income, Accrual Method	0	1
Consumer Loans [Member] | Home Equity Lines and Loans [Member]
Unpaid Principal Balance [Abstract]
With no related allowance, Unpaid Principal Balance	104		107
With related allowance, Unpaid Principal Balance	363		364
Recorded Investment [Abstract]
With no related allowance, Recorded Investment	105		108
With related allowance, Recorded Investment	363		366
Allowance for Loan Losses Allocated	163		$ 77
Average Recorded Investment [Abstract]
With no related allowance, Average Recorded Investment	107	458
With related allowance, Average Recorded Investment	364	27
Interest Income, Accrual Method [Abstract]
With no related allowance, Interest Income, Accrual Method	1	6
With related allowance, Interest Income, Accrual Method	$ 0	$ 0

LOANS AND ALLOWANCE FOR LOAN 39

LOANS AND ALLOWANCE FOR LOAN LOSSES - RECEIVABLES PAST DUE (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual	$ 12,774	$ 12,232
Loans Past Due 90 Days or More and Still Accruing	2,260	18
Aging of the recorded investment in loans past due [Abstract]
Past Due	17,830	18,479
Loans Not Past Due	1,169,913	1,150,929
Total ending loans balance	1,189,821	1,171,503
30 to 59 Days Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
Past Due	9,169	9,793
60 to 89 Days Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
Past Due	1,188	1,012
90 Days or More Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
Past Due	7,473	7,674
Loans Acquired with Deteriorated Credit Quality [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual	2,078	2,095
Aging of the recorded investment in loans past due [Abstract]
Total ending loans balance	2,078	2,095
Commercial and Agricultural [Member]
Aging of the recorded investment in loans past due [Abstract]
Total ending loans balance	191,038	193,700
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	0
Commercial and Agricultural [Member] | Commercial and Industrial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual	69	13
Loans Past Due 90 Days or More and Still Accruing	5	3
Aging of the recorded investment in loans past due [Abstract]
Past Due	121	413
Loans Not Past Due	190,074	192,248
Total ending loans balance	190,195	192,661
Commercial and Agricultural [Member] | Commercial and Industrial [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
Past Due	46	398
Commercial and Agricultural [Member] | Commercial and Industrial [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
Past Due	1	3
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]
Past Due	74	12
Commercial and Agricultural [Member] | Commercial and Industrial [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual	0	0
Aging of the recorded investment in loans past due [Abstract]
Total ending loans balance	0	0
Commercial and Agricultural [Member] | Agricultural [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual	0	0
Loans Past Due 90 Days or More and Still Accruing	0	0
Aging of the recorded investment in loans past due [Abstract]
Past Due	0	0
Loans Not Past Due	843	1,039
Total ending loans balance	843	1,039
Commercial and Agricultural [Member] | Agricultural [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
Past Due	0	0
Commercial and Agricultural [Member] | Agricultural [Member] | 60 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]
Past Due	0	0
Commercial and Agricultural [Member] | Agricultural [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual	0	0
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	536,355	507,700
Commercial Mortgages [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Aging of the recorded investment in loans past due [Abstract]
Total ending loans balance	1,804	1,825
Commercial Mortgages [Member] | Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual	62	63
Loans Past Due 90 Days or More and Still Accruing	0	0
Aging of the recorded investment in loans past due [Abstract]
Past Due	0	0
Loans Not Past Due	40,803	41,231
Total ending loans balance	40,803	41,231
Commercial Mortgages [Member] | Construction [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
Past Due	0	0
Commercial Mortgages [Member] | Construction [Member] | 60 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]
Past Due	0	0
Commercial Mortgages [Member] | Construction [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual	0	0
Aging of the recorded investment in loans past due [Abstract]
Total ending loans balance	0	0
Commercial Mortgages [Member] | Commercial Mortgages Other [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual	6,886	7,203
Loans Past Due 90 Days or More and Still Accruing	2,242	0
Aging of the recorded investment in loans past due [Abstract]
Past Due	11,591	9,635
Loans Not Past Due	482,157	455,009
Total ending loans balance	495,552	466,469
Commercial Mortgages [Member] | Commercial Mortgages Other [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
Past Due	5,902	4,197
Commercial Mortgages [Member] | Commercial Mortgages Other [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
Past Due	199	199
Commercial Mortgages [Member] | Commercial Mortgages Other [Member] | 90 Days or More Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
Past Due	5,490	5,239
Commercial Mortgages [Member] | Commercial Mortgages Other [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual	1,804	1,825
Aging of the recorded investment in loans past due [Abstract]
Total ending loans balance	1,804	1,825
Residential Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual	4,159	3,610
Loans Past Due 90 Days or More and Still Accruing	0	0
Aging of the recorded investment in loans past due [Abstract]
Past Due	3,978	5,411
Loans Not Past Due	192,979	190,555
Total ending loans balance	197,231	196,236
Residential Mortgages [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
Past Due	1,908	2,983
Residential Mortgages [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
Past Due	783	725
Residential Mortgages [Member] | 90 Days or More Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
Past Due	1,287	1,703
Residential Mortgages [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual	274	270
Aging of the recorded investment in loans past due [Abstract]
Total ending loans balance	274	270
Consumer Loans [Member]
Aging of the recorded investment in loans past due [Abstract]
Total ending loans balance	265,197	273,867
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]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual	0	0
Loans Past Due 90 Days or More and Still Accruing	13	15
Aging of the recorded investment in loans past due [Abstract]
Past Due	64	49
Loans Not Past Due	1,229	1,434
Total ending loans balance	1,293	1,483
Consumer Loans [Member] | Credit Cards [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
Past Due	39	30
Consumer Loans [Member] | Credit Cards [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
Past Due	12	4
Consumer Loans [Member] | Credit Cards [Member] | 90 Days or More Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
Past Due	13	15
Consumer Loans [Member] | Credit Cards [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual	0	0
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]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual	1,156	758
Loans Past Due 90 Days or More and Still Accruing	0	0
Aging of the recorded investment in loans past due [Abstract]
Past Due	603	549
Loans Not Past Due	98,684	101,427
Total ending loans balance	99,287	101,976
Consumer Loans [Member] | Home Equity Lines and Loans [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
Past Due	371	233
Consumer Loans [Member] | Home Equity Lines and Loans [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
Past Due	0	77
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]
Past Due	232	239
Consumer Loans [Member] | Home Equity Lines and Loans [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual	0	0
Aging of the recorded investment in loans past due [Abstract]
Total ending loans balance	0	0
Consumer Loans [Member] | Indirect Consumer Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual	390	542
Loans Past Due 90 Days or More and Still Accruing	0	0
Aging of the recorded investment in loans past due [Abstract]
Past Due	1,368	2,195
Loans Not Past Due	145,565	149,531
Total ending loans balance	146,933	151,726
Consumer Loans [Member] | Indirect Consumer Loans [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
Past Due	859	1,744
Consumer Loans [Member] | Indirect Consumer Loans [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
Past Due	162	4
Consumer Loans [Member] | Indirect Consumer Loans [Member] | 90 Days or More Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
Past Due	347	447
Consumer Loans [Member] | Indirect Consumer Loans [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual	0	0
Aging of the recorded investment in loans past due [Abstract]
Total ending loans balance	0	0
Consumer Loans [Member] | Direct Consumer Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual	52	43
Loans Past Due 90 Days or More and Still Accruing	0	0
Aging of the recorded investment in loans past due [Abstract]
Past Due	105	227
Loans Not Past Due	17,579	18,455
Total ending loans balance	17,684	18,682
Consumer Loans [Member] | Direct Consumer Loans [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
Past Due	44	208
Consumer Loans [Member] | Direct Consumer Loans [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
Past Due	31	0
Consumer Loans [Member] | Direct Consumer Loans [Member] | 90 Days or More Past Due [Member]
Aging of the recorded investment in loans past due [Abstract]
Past Due	30	19
Consumer Loans [Member] | Direct Consumer Loans [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual	0	0
Aging of the recorded investment in loans past due [Abstract]
Total ending loans balance	$ 0	$ 0

LOANS AND ALLOWANCE FOR LOAN 40

LOANS AND ALLOWANCE FOR LOAN LOSSES - TROUBLED DEBT RESTRUCTURING (Details) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2016USD ($)Loan	Mar. 31, 2015USD ($)Loan	Dec. 31, 2015USD ($)Loan
Troubled Debt Restructurings [Abstract]
Recorded investment in troubled debt restructurings	$ 11,200		$ 12,000
Troubled debt restructuring reserve	1,500		1,400
Troubled debt restructurings accruing interest under modified terms	6,600		7,600
Troubled debt restructurings on non-accrual status	4,600		4,400
Additional amounts committed to customers with loans classified as troubled debt restructurings	100		$ 100
Additional amounts of interest and past due escrow payments capitalized	$ 4
Loans by class modified as troubled debt restructurings [Abstract]
Number of Loans | Loan	1	1
Pre-Modification Outstanding Recorded Investment	$ 121	$ 477
Post-Modification Outstanding Recorded Investment	125	477
Number of Loans | Loan			2
Recorded Investment			$ 2,145
Increase in allowance for loan losses related to troubled debt restructurings	$ (14)	$ (50)
Commercial Mortgages Other [Member]
Loans by class modified as troubled debt restructurings [Abstract]
Number of Loans | Loan			2
Recorded Investment			$ 2,145
Commercial and Agricultural [Member] | Commercial and Industrial [Member]
Loans by class modified as troubled debt restructurings [Abstract]
Number of Loans | Loan		1
Pre-Modification Outstanding Recorded Investment		$ 477
Post-Modification Outstanding Recorded Investment		$ 477
Residential Mortgages [Member]
Loans by class modified as troubled debt restructurings [Abstract]
Number of Loans | Loan	1
Pre-Modification Outstanding Recorded Investment	$ 121
Post-Modification Outstanding Recorded Investment	$ 125

LOANS AND ALLOWANCE FOR LOAN 41

LOANS AND ALLOWANCE FOR LOAN LOSSES - CREDIT QUALITY INDICATOR (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Finance receivable by credit quality indicator [Abstract]
Loans	$ 1,189,821		$ 1,171,503
Deteriorated Loans Transferred in [Abstract]
Contractually required principal and interest, opening balance	2,912	$ 3,621
Contractually required principal and interest, income accretion	0	0
Contractually required principal and interest, all other adjustments	(54)	(676)
Contractually required principal and interest, closing balance	2,858	2,945
Contractual cash flows not expected to be collected (nonaccretable discount), opening balance	(506)	(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	1	(25)
Contractual cash flows not expected to be collected (nonaccretable discount), closing balance	(505)	(595)
Cash flows expected to be collected, opening balance	2,406	3,051
Cash flows expected to be collected, income accretion	0	0
Cash flows expected to be collected, all other adjustments	(53)	(701)
Cash flows expected to be collected, closing balance	2,353	2,350
Interest component of expected cash flows (accretable yield), opening balance	(311)	(420)
Interest component of expected cash flows (accretable yield), income accretion	37	63
Interest component of expected cash flows (accretable yield), all other adjustments	(1)	24
Interest component of expected cash flows (accretable yield), closing balance	(275)	(333)
Fair value of loans acquired with deteriorating credit quality, opening balance	2,095	2,631
Fair value of loans acquired with deteriorating credit quality, income accretion	37	63
Fair value of loans acquired with deteriorating credit quality, all other adjustments	(54)	(677)
Fair value of loans acquired with deteriorating credit quality, closing balance	2,078	2,017
Decrease in allowance for loan losses	14	$ 50
Loans Acquired with Deteriorated Credit Quality [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	2,078		2,095
Not Rated [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	456,398		464,769
Pass [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	692,736		665,828
Special Mention [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	12,828		12,496
Substandard [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	21,566		22,102
Doubtful [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	4,215		4,213
Commercial and Agricultural [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	191,038		193,700
Commercial and Agricultural [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0		0
Commercial and Agricultural [Member] | Commercial and Industrial [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	190,195		192,661
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
Commercial and Agricultural [Member] | Commercial and Industrial [Member] | Not Rated [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0		0
Commercial and Agricultural [Member] | Commercial and Industrial [Member] | Pass [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	185,438		186,359
Commercial and Agricultural [Member] | Commercial and Industrial [Member] | Special Mention [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	2,956		3,772
Commercial and Agricultural [Member] | Commercial and Industrial [Member] | Substandard [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	1,792		2,521
Commercial and Agricultural [Member] | Commercial and Industrial [Member] | Doubtful [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	9		9
Commercial and Agricultural [Member] | Agricultural [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	843		1,039
Commercial and Agricultural [Member] | Agricultural [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0		0
Commercial and Agricultural [Member] | Agricultural [Member] | Not Rated [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0		0
Commercial and Agricultural [Member] | Agricultural [Member] | Pass [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	843		1,039
Commercial and Agricultural [Member] | Agricultural [Member] | Special Mention [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0		0
Commercial and Agricultural [Member] | Agricultural [Member] | Substandard [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0		0
Commercial and Agricultural [Member] | Agricultural [Member] | Doubtful [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0		0
Commercial Mortgages [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	536,355		507,700
Commercial Mortgages [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	1,804		1,825
Commercial Mortgages [Member] | Construction [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	40,803		41,231
Commercial Mortgages [Member] | Construction [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0		0
Commercial Mortgages [Member] | Construction [Member] | Not Rated [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0		0
Commercial Mortgages [Member] | Construction [Member] | Pass [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	39,257		40,881
Commercial Mortgages [Member] | Construction [Member] | Special Mention [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	1,484		287
Commercial Mortgages [Member] | Construction [Member] | Substandard [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	62		63
Commercial Mortgages [Member] | Construction [Member] | Doubtful [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0		0
Commercial Mortgages [Member] | Commercial Mortgages Other [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	495,552		466,469
Commercial Mortgages [Member] | Commercial Mortgages Other [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	1,804		1,825
Commercial Mortgages [Member] | Commercial Mortgages Other [Member] | Not Rated [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0		0
Commercial Mortgages [Member] | Commercial Mortgages Other [Member] | Pass [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	467,198		437,549
Commercial Mortgages [Member] | Commercial Mortgages Other [Member] | Special Mention [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	8,388		8,437
Commercial Mortgages [Member] | Commercial Mortgages Other [Member] | Substandard [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	13,956		14,454
Commercial Mortgages [Member] | Commercial Mortgages Other [Member] | Doubtful [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	4,206		4,204
Residential Mortgages [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	197,231		196,236
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	197,231		196,236
Residential Mortgages [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	274		270
Residential Mortgages [Member] | Performing [Member]
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	193,072		192,626
Residential Mortgages [Member] | Non-Performing [Member]
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	4,159		3,610
Residential Mortgages [Member] | Not Rated [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	192,798		192,245
Residential Mortgages [Member] | Pass [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0		0
Residential Mortgages [Member] | Special Mention [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0		0
Residential Mortgages [Member] | Substandard [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	4,159		3,721
Residential Mortgages [Member] | Doubtful [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0		0
Consumer Loans [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	265,197		273,867
Consumer Loans [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0		0
Consumer Loans [Member] | Credit Cards [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	1,293		1,483
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	1,293		1,483
Consumer Loans [Member] | Credit Cards [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0		0
Consumer Loans [Member] | Credit Cards [Member] | Performing [Member]
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	1,293		1,483
Consumer Loans [Member] | Credit Cards [Member] | Non-Performing [Member]
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	0		0
Consumer Loans [Member] | Credit Cards [Member] | Not Rated [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	1,293		1,483
Consumer Loans [Member] | Credit Cards [Member] | Pass [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0		0
Consumer Loans [Member] | Credit Cards [Member] | Special Mention [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0		0
Consumer Loans [Member] | Credit Cards [Member] | Substandard [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0		0
Consumer Loans [Member] | Credit Cards [Member] | Doubtful [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0		0
Consumer Loans [Member] | Home Equity Lines and Loans [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	99,287		101,976
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	99,287		101,976
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
Consumer Loans [Member] | Home Equity Lines and Loans [Member] | Performing [Member]
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	98,132		101,218
Consumer Loans [Member] | Home Equity Lines and Loans [Member] | Non-Performing [Member]
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	1,155		758
Consumer Loans [Member] | Home Equity Lines and Loans [Member] | Not Rated [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	98,132		101,218
Consumer Loans [Member] | Home Equity Lines and Loans [Member] | Pass [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0		0
Consumer Loans [Member] | Home Equity Lines and Loans [Member] | Special Mention [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0		0
Consumer Loans [Member] | Home Equity Lines and Loans [Member] | Substandard [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	1,155		758
Consumer Loans [Member] | Home Equity Lines and Loans [Member] | Doubtful [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0		0
Consumer Loans [Member] | Indirect Consumer Loans [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	146,933		151,726
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	146,933		151,726
Consumer Loans [Member] | Indirect Consumer Loans [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0		0
Consumer Loans [Member] | Indirect Consumer Loans [Member] | Performing [Member]
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	146,543		151,184
Consumer Loans [Member] | Indirect Consumer Loans [Member] | Non-Performing [Member]
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	390		542
Consumer Loans [Member] | Indirect Consumer Loans [Member] | Not Rated [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	146,543		151,184
Consumer Loans [Member] | Indirect Consumer Loans [Member] | Pass [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0		0
Consumer Loans [Member] | Indirect Consumer Loans [Member] | Special Mention [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0		0
Consumer Loans [Member] | Indirect Consumer Loans [Member] | Substandard [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	390		542
Consumer Loans [Member] | Indirect Consumer Loans [Member] | Doubtful [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0		0
Consumer Loans [Member] | Direct Consumer Loans [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	17,684		18,682
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	17,684		18,682
Consumer Loans [Member] | Direct Consumer Loans [Member] | Loans Acquired with Deteriorated Credit Quality [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0		0
Consumer Loans [Member] | Direct Consumer Loans [Member] | Performing [Member]
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	17,632		18,639
Consumer Loans [Member] | Direct Consumer Loans [Member] | Non-Performing [Member]
Residential and consumer finance receivable [Abstract]
Residential and consumer loans receivable	52		43
Consumer Loans [Member] | Direct Consumer Loans [Member] | Not Rated [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	17,632		18,639
Consumer Loans [Member] | Direct Consumer Loans [Member] | Pass [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0		0
Consumer Loans [Member] | Direct Consumer Loans [Member] | Special Mention [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	0		0
Consumer Loans [Member] | Direct Consumer Loans [Member] | Substandard [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	52		43
Consumer Loans [Member] | Direct Consumer Loans [Member] | Doubtful [Member]
Finance receivable by credit quality indicator [Abstract]
Loans	$ 0		$ 0

FAIR VALUE (Details)

FAIR VALUE (Details) - USD ($)	Mar. 31, 2016	Dec. 31, 2015
Financial Assets [Abstract]
Total available for sale securities	$ 324,484,000	$ 344,820,000
Trading assets	734,000	701,000
Recurring [Member]
Financial Assets [Abstract]
Obligations of U.S. Government and U.S. Government sponsored enterprises	85,357,000	100,166,000
Mortgage-backed securities, residential	193,028,000	198,366,000
Obligations of states and political subdivisions	44,246,000	44,426,000
Corporate bonds and notes	754,000	752,000
SBA loan pools	628,000	647,000
Corporate stocks	471,000	463,000
Total available for sale securities	324,484,000	344,820,000
Trading assets	734,000	701,000
Derivative assets	87,000	15,000
Derivative liabilities	171,000	63,000
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	0	14,784,000
Mortgage-backed securities, residential	0	0
Obligations of states and political subdivisions	0	0
Corporate bonds and notes	0	0
SBA loan pools	0	0
Corporate stocks	54,000	56,000
Total available for sale securities	54,000	14,840,000
Trading assets	734,000	701,000
Derivative assets	0	0
Derivative liabilities	0	0
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Financial Assets [Abstract]
Obligations of U.S. Government and U.S. Government sponsored enterprises	85,357,000	85,382,000
Mortgage-backed securities, residential	193,028,000	198,366,000
Obligations of states and political subdivisions	44,246,000	44,426,000
Corporate bonds and notes	502,000	504,000
SBA loan pools	628,000	647,000
Corporate stocks	417,000	407,000
Total available for sale securities	324,178,000	329,732,000
Trading assets	0	0
Derivative assets	87,000	15,000
Derivative liabilities	87,000	15,000
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
Obligations of states and political subdivisions	0	0
Corporate bonds and notes	252,000	248,000
SBA loan pools	0	0
Corporate stocks	0	0
Total available for sale securities	252,000	248,000
Trading assets	0	0
Derivative assets	0	0
Derivative liabilities	84,000	48,000
Impaired Loans [Member] | Non-recurring [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Total impaired loans	812,000	2,916,000
Impaired Loans [Member] | Non-recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Total impaired loans	0	0
Impaired Loans [Member] | Non-recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Total impaired loans	0	0
Impaired Loans [Member] | Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Total impaired loans	812,000	2,916,000
Other real estate owned [Member] | Non-recurring [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Total other real estate owned, net	1,642,000	1,530,000
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]
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]
Total other real estate owned, net	1,491,000	1,491,000
Other real estate owned [Member] | Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Total other real estate owned, net	151,000	39,000
Commercial Mortgages other [Member] | Impaired Loans [Member] | Non-recurring [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Total impaired loans	612,000	2,629,000
Commercial Mortgages other [Member] | Impaired Loans [Member] | Non-recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Total impaired loans	0	0
Commercial Mortgages other [Member] | Impaired Loans [Member] | Non-recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Total impaired loans	0	0
Commercial Mortgages other [Member] | Impaired Loans [Member] | Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Total impaired loans	612,000	2,629,000
Commercial Mortgages other [Member] | Other real estate owned [Member] | Non-recurring [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Total other real estate owned, net	1,491,000	1,491,000
Commercial Mortgages other [Member] | 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]
Total other real estate owned, net	0	0
Commercial Mortgages other [Member] | Other real estate owned [Member] | Non-recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Total other real estate owned, net	1,491,000	1,491,000
Commercial Mortgages other [Member] | Other real estate owned [Member] | Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Total other real estate owned, net	0	0
Home Equity Lines and Loans [Member] | Impaired Loans [Member] | Non-recurring [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Total impaired loans	200,000	287,000
Home Equity Lines and Loans [Member] | Impaired Loans [Member] | Non-recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Total impaired loans	0	0
Home Equity Lines and Loans [Member] | Impaired Loans [Member] | Non-recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Total impaired loans	0	0
Home Equity Lines and Loans [Member] | Impaired Loans [Member] | Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Total impaired loans	200,000	287,000
Home Equity Lines and Loans [Member] | Other real estate owned [Member] | Non-recurring [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Total other real estate owned, net	17,000
Home Equity Lines and Loans [Member] | 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]
Total other real estate owned, net	0
Home Equity Lines and Loans [Member] | Other real estate owned [Member] | Non-recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Total other real estate owned, net	0
Home Equity Lines and Loans [Member] | Other real estate owned [Member] | Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Total other real estate owned, net	17,000
Residential Mortgage [Member] | Non-recurring [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Total other real estate owned, net		39,000
Residential Mortgage [Member] | Non-recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Total other real estate owned, net		0
Residential Mortgage [Member] | Non-recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Total other real estate owned, net		0
Residential Mortgage [Member] | Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Total other real estate owned, net		$ 39,000
Residential Mortgage [Member] | Other real estate owned [Member] | Non-recurring [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Total other real estate owned, net	134,000
Residential Mortgage [Member] | 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]
Total other real estate owned, net	0
Residential Mortgage [Member] | Other real estate owned [Member] | Non-recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Total other real estate owned, net	0
Residential Mortgage [Member] | Other real estate owned [Member] | Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Impaired Loans, Fair Value Disclosure [Abstract]
Total other real estate owned, net	$ 134,000

FAIR VALUE - Unobservable Input

FAIR VALUE - Unobservable Inputs (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Corporate Bonds and Notes
Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Roll Forward]
Balance of recurring Level 3 assets at January 1	$ 248	$ 0
Derivative instruments entered into	0	0
Included in earnings - other non-interest income	0	0
Included in other comprehensive income	4	0
Transfers into Level 3	0	0
Balance of recurring Level 3 assets at March 31	252	0
Derivative Liabilities
Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Roll Forward]
Balance of recurring Level 3 assets at January 1	(48)	(18)
Derivative instruments entered into	(2)	0
Included in earnings - other non-interest income	(34)	(15)
Included in other comprehensive income	0	0
Transfers into Level 3	0	0
Balance of recurring Level 3 assets at March 31	$ (84)	$ (33)

FAIR VALUE - Quantitative Infor

FAIR VALUE - Quantitative Information (Details) - USD ($)	3 Months Ended	12 Months Ended
	Mar. 31, 2016	Dec. 31, 2015
Corporate Bonds and Notes | Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Assets, fair value disclosure	$ 252,000	$ 248,000
Corporate Bonds and Notes | Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Maximum [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Discount rate (in hundredths)	1.73%	1.73%
Corporate Bonds and Notes | Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Minimum [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Discount rate (in hundredths)	1.73%	1.73%
Corporate Bonds and Notes | Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Weighted Average [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Discount rate (in hundredths)	1.73%	1.73%
Impaired Loans [Member] | Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Fair value	$ 812,000	$ 2,916,000
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 expense associated with valuation allowance	$ 120,000
Other real estate owned [Member] | Non-recurring [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Outstanding balance of OREO	1,642,000	$ 1,530,000
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
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	1,491,000	1,491,000
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]
Fair value	151,000	39,000
Outstanding balance of OREO	$ 151,000	39,000
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]
Discount rate (in hundredths)	31.00%
Fair value	$ 134,000	$ 39,000
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%
Derivative Liabilities | Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Liabilities, fair value disclosure	$ 84,000	$ 48,000
Derivative Liabilities | Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Maximum [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Discount rate (in hundredths)	5.83%	5.83%
Derivative Liabilities | Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Minimum [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Discount rate (in hundredths)	5.83%	5.83%
Derivative Liabilities | Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Weighted Average [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Discount rate (in hundredths)	5.83%	5.83%
Commercial Mortgages other [Member] | Impaired Loans [Member] | Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Fair value	$ 612,000	$ 2,629,000
Commercial Mortgages other [Member] | Impaired Loans [Member] | Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Maximum [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Discount rate (in hundredths)	18.55%	17.19%
Commercial Mortgages other [Member] | Impaired Loans [Member] | Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Minimum [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Discount rate (in hundredths)	11.75%	10.00%
Commercial Mortgages other [Member] | Impaired Loans [Member] | Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Weighted Average [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Discount rate (in hundredths)	16.65%	16.06%
Commercial Mortgages other [Member] | Other real estate owned [Member] | Non-recurring [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Outstanding balance of OREO	$ 1,491,000	$ 1,491,000
Commercial Mortgages other [Member] | 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
Commercial Mortgages other [Member] | 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	1,491,000	1,491,000
Commercial Mortgages other [Member] | 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	$ 0	0
Commercial Mortgages other [Member] | Other real estate owned [Member] | Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Maximum [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Discount rate (in hundredths)	80.35%
Commercial Mortgages other [Member] | Other real estate owned [Member] | Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Minimum [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Discount rate (in hundredths)	80.35%
Commercial Mortgages other [Member] | Other real estate owned [Member] | Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Weighted Average [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Discount rate (in hundredths)	80.35%
Home Equity Lines and Loans [Member] | Impaired Loans [Member] | Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Fair value	$ 200,000	$ 287,000
Home Equity Lines and Loans [Member] | Impaired Loans [Member] | Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Maximum [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Discount rate (in hundredths)	24.92%	18.04%
Home Equity Lines and Loans [Member] | Impaired Loans [Member] | Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Minimum [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Discount rate (in hundredths)	24.92%	18.04%
Home Equity Lines and Loans [Member] | Impaired Loans [Member] | Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Weighted Average [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Discount rate (in hundredths)	24.92%	18.04%
Home Equity Lines and Loans [Member] | Other real estate owned [Member] | Non-recurring [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Outstanding balance of OREO	$ 17,000
Home Equity Lines and Loans [Member] | 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
Home Equity Lines and Loans [Member] | 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
Home Equity Lines and Loans [Member] | 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]
Fair value	17,000
Outstanding balance of OREO	$ 17,000
Home Equity Lines and Loans [Member] | Other real estate owned [Member] | Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Maximum [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Discount rate (in hundredths)	20.80%
Home Equity Lines and Loans [Member] | Other real estate owned [Member] | Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Minimum [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Discount rate (in hundredths)	20.80%
Home Equity Lines and Loans [Member] | Other real estate owned [Member] | Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Weighted Average [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Discount rate (in hundredths)	20.80%
Residential Mortgage [Member] | Non-recurring [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Outstanding balance of OREO		$ 39,000
Residential Mortgage [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
Residential Mortgage [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
Residential Mortgage [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		$ 39,000
Residential Mortgage [Member] | Other real estate owned [Member] | Non-recurring [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Outstanding balance of OREO	$ 134,000
Residential Mortgage [Member] | 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
Residential Mortgage [Member] | 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
Residential Mortgage [Member] | 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	$ 134,000
Residential Mortgage [Member] | Other real estate owned [Member] | Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Maximum [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Discount rate (in hundredths)	27.97%	22.30%
Residential Mortgage [Member] | Other real estate owned [Member] | Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Minimum [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Discount rate (in hundredths)	20.80%	22.30%
Residential Mortgage [Member] | Other real estate owned [Member] | Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Weighted Average [Member]
Information related to Level 3 non-recurring fair value measurement [Abstract]
Discount rate (in hundredths)	23.07%	22.30%

FAIR VALUE - Carrying Amounts a

FAIR VALUE - Carrying Amounts and Estimated Fair values of Other Financial Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Financial Assets [Abstract]
Cash and due from financial institutions	$ 26,471	$ 24,886
Interest-bearing deposits in other financial institutions	29,388	1,299
Securities available for sale	324,484	344,820
Securities held to maturity	4,863	4,822
Loans, net	1,172,366	1,154,373
Accrued interest receivable	2,928	2,870
Financial liabilities [Abstract]
Securities sold under agreements to repurchase	28,825	28,453
FHLBNY overnight advances	0	13,900
FHLBNY term advances	19,175	19,203
Recurring [Member]
Financial Assets [Abstract]
Securities available for sale	324,484	344,820
Securities held to maturity	4,863
Derivative assets	87	15
Financial liabilities [Abstract]
Derivative liabilities	171	63
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Financial Assets [Abstract]
Cash and due from financial institutions	26,471	24,886
Interest-bearing deposits in other financial institutions	29,388	1,299
Trading assets	734	701
Securities available for sale	54	14,840
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	0	39
Derivative assets	0	0
Financial liabilities [Abstract]
Demand, savings, and insured money market accounts	1,270,711	1,234,216
Time deposits	0	0
Securities sold under agreements to repurchase	0	0
FHLBNY overnight advances		0
FHLBNY term advances	0	0
Accrued interest payable	17	17
Derivative liabilities	0	0
Recurring [Member] | 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	324,178	329,732
Securities held to maturity	0	0
FHLBNY and FRBNY stock	0	0
Loans, net	0	0
Loans held for sale	593	1,076
Accrued interest receivable	1,488	1,141
Derivative assets	87	15
Financial liabilities [Abstract]
Demand, savings, and insured money market accounts	0	0
Time deposits	164,001	166,551
Securities sold under agreements to repurchase	29,533	29,128
FHLBNY overnight advances		13,901
FHLBNY term advances	19,637	19,658
Accrued interest payable	190	192
Derivative liabilities	87	15
Recurring [Member] | 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	252	248
Securities held to maturity		4,822
FHLBNY and FRBNY stock	0	0
Loans, net	1,196,894	1,178,081
Loans held for sale	0	0
Accrued interest receivable	2,898	2,835
Derivative assets	0	0
Financial liabilities [Abstract]
Demand, savings, and insured money market accounts	0	0
Time deposits	0	0
Securities sold under agreements to repurchase	0	0
FHLBNY overnight advances		0
FHLBNY term advances	0	0
Accrued interest payable	0	0
Derivative liabilities	84	48
Recurring [Member] | Carrying Amount [Member]
Financial Assets [Abstract]
Cash and due from financial institutions	26,471	24,886
Interest-bearing deposits in other financial institutions	29,388	1,299
Trading assets	734	701
Securities available for sale	324,484	344,820
Securities held to maturity	4,577	4,566
FHLBNY and FRBNY stock	4,179	4,797
Loans, net	1,172,366	1,154,373
Loans held for sale	593	1,076
Accrued interest receivable	4,386	4,015
Derivative assets	87	15
Financial liabilities [Abstract]
Demand, savings, and insured money market accounts	1,270,711	1,234,216
Time deposits	163,541	166,079
Securities sold under agreements to repurchase	28,825	28,453
FHLBNY overnight advances		13,900
FHLBNY term advances	19,175	19,203
Accrued interest payable	207	209
Derivative liabilities	171	63
Recurring [Member] | Estimated Fair Value [Member]
Financial Assets [Abstract]
Cash and due from financial institutions	26,471	24,886
Interest-bearing deposits in other financial institutions	29,388	1,299
Trading assets	734	701
Securities available for sale	324,484	344,820
Securities held to maturity	4,863	4,822
Loans, net	1,196,894	1,178,081
Loans held for sale	593	1,076
Accrued interest receivable	4,386	4,015
Derivative assets	87	15
Financial liabilities [Abstract]
Demand, savings, and insured money market accounts	1,270,711	1,234,216
Time deposits	164,001	166,551
Securities sold under agreements to repurchase	29,533	29,128
FHLBNY overnight advances		13,901
FHLBNY term advances	19,637	19,658
Accrued interest payable	207	209
Derivative liabilities	$ 171	$ 63

GOODWILL AND INTANGIBLE ASSET46

GOODWILL AND INTANGIBLE ASSETS (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Goodwill [Roll Forward]
Beginning of year	$ 21,824	$ 21,824	$ 21,824
Acquired goodwill	0	0
March 31	21,824	21,824	21,824
Finite-lived intangible assets, net [Abstract]
Balance Acquired	11,608		11,608
Accumulated Amortization	7,935		7,677
Aggregate amortization expense	258	$ 304
Finite-lived intangible assets, future amortization expense [Abstract]
2,016	728
2,017	859
2,018	734
2,019	609
2,020	484
2,021	259
Total	3,673
Core Deposit Intangibles [Member]
Finite-lived intangible assets, net [Abstract]
Balance Acquired	5,975		5,975
Accumulated Amortization	4,226		4,057
Other Customer Relationship Intangibles [Member]
Finite-lived intangible assets, net [Abstract]
Balance Acquired	5,633		5,633
Accumulated Amortization	$ 3,709		$ 3,620

SECURITIES SOLD UNDER AGREEME47

SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Summary of securities sold under agreements to repurchase [Abstract]
Securities sold under agreements to repurchase	$ 41,261	$ 43,856
Excess collateral held	(12,436)	(15,403)
Gross amount of recognized liabilities for repurchase agreements	28,825	28,453
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	2,893	23,267
Mortgage-Backed Securities, Residential [Member]
Summary of securities sold under agreements to repurchase [Abstract]
Securities sold under agreements to repurchase	38,368	20,589
Overnight and Continuous [Member]
Summary of securities sold under agreements to repurchase [Abstract]
Securities sold under agreements to repurchase	17,475	20,443
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	0	12,163
Overnight and Continuous [Member] | Mortgage-Backed Securities, Residential [Member]
Summary of securities sold under agreements to repurchase [Abstract]
Securities sold under agreements to repurchase	17,475	8,280
Up to 1 Year [Member]
Summary of securities sold under agreements to repurchase [Abstract]
Securities sold under agreements to repurchase	10,670	10,955
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	1,786	1,781
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	8,884	9,174
1 - 3 Years [Member]
Summary of securities sold under agreements to repurchase [Abstract]
Securities sold under agreements to repurchase	13,116	12,458
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	1,107	9,323
1 - 3 Years [Member] | Mortgage-Backed Securities, Residential [Member]
Summary of securities sold under agreements to repurchase [Abstract]
Securities sold under agreements to repurchase	12,009	3,135
3+ Years [Member]
Summary of securities sold under agreements to repurchase [Abstract]
Securities sold under agreements to repurchase	0	0
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	0
3+ Years [Member] | Mortgage-Backed Securities, Residential [Member]
Summary of securities sold under agreements to repurchase [Abstract]
Securities sold under agreements to repurchase	$ 0	$ 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
	Mar. 31, 2016	Mar. 31, 2015
Changes in accumulated other comprehensive income or loss by component, net of tax [Roll Forward]
Balances	$ 137,242	$ 133,628
Net current period other comprehensive gain	1,604	998
Balances	141,046	136,293
Accumulated Other Comprehensive Income (Loss) [Member]
Changes in accumulated other comprehensive income or loss by component, net of tax [Roll Forward]
Balances	(10,942)	(8,785)
Other comprehensive income before reclassification	1,936	805
Amounts reclassified from accumulated other comprehensive income	(332)	193
Net current period other comprehensive gain	1,604	998
Balances	(9,338)	(7,787)
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	210	1,960
Other comprehensive income before reclassification	1,936	805
Amounts reclassified from accumulated other comprehensive income	(565)	(31)
Net current period other comprehensive gain	1,371	774
Balances	1,581	2,734
Defined Benefit and Other Benefit Plans [Member]
Changes in accumulated other comprehensive income or loss by component, net of tax [Roll Forward]
Balances	(11,152)	(10,745)
Other comprehensive income before reclassification	0	0
Amounts reclassified from accumulated other comprehensive income	233	224
Net current period other comprehensive gain	233	224
Balances	$ (10,919)	$ (10,521)

ACCUMULATED OTHER COMPREHENSI49

ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS - Reclassification out of Accumulated Other Comprehensive Income (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]
Net gains on securities transactions	$ 908	$ 50
Pension and other employee benefits	1,675	1,729
Tax effect	1,316	1,126
Net of tax	2,707	2,276
Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]
Net of tax	(332)	193
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	(908)	(50)
Tax effect	343	19
Net of tax	(565)	(31)
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	(141)	(137)
Net of tax	233	224
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)	(22)
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	$ 396	$ 383

COMMITMENTS AND CONTINGENCIES50

COMMITMENTS AND CONTINGENCIES (Details) - USD ($) $ in Thousands	Sep. 25, 2015	Mar. 31, 2016	Dec. 31, 2015
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Payments for litigation settlements		$ 12,100
Operating Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
Long term capital lease obligation		2,837	$ 2,873
Annual rent in years 2016-2020		133
Annual rent in years 2021-2025		145
Annual rent in years 2026-2030		158
Annual rent in years 2031-2035		172
2016 - 2021		665
2021 - 2026		725
2026 - 2031		790
2031 - 2036		860
Total		3,040
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		22,740	17,167
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		33,557	25,251
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		866	1,265
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		191,990	177,004
Standby Letters of Credit [Member] | Fixed Rate [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance sheet contractual amounts of financial instruments		0	0
Standby Letters of Credit [Member] | Variable Rate [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance sheet contractual amounts of financial instruments		14,618	$ 14,646
Related Party [Member]
Operating Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
Term of contract	20 years
Renewal term	10 years
Long term capital lease obligation	$ 2,000
Pending Litigation [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Range of possible loss, not accrued		$ 4,000

COMPONENTS OF QUARTERLY AND Y51

COMPONENTS OF QUARTERLY AND YEAR TO DATE NET PERIODIC BENEFIT COSTS (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Qualified Pension Plan [Member]
Defined Benefit Plan, Net Periodic Benefit Cost [Abstract]
Service cost, benefits earned during the period	$ 296	$ 354
Interest cost on projected benefit obligation	470	457
Expected return on plan assets	(755)	(823)
Amortization of unrecognized transition obligation	0	0
Amortization of unrecognized prior service cost	2	2
Amortization of unrecognized net loss	384	368
Net periodic pension cost	397	358
Supplemental Pension Plan [Member]
Defined Benefit Plan, Net Periodic Benefit Cost [Abstract]
Service cost, benefits earned during the period	11	11
Interest cost on projected benefit obligation	13	12
Expected return on plan assets	0	0
Amortization of unrecognized prior service cost	0	0
Amortization of unrecognized net loss	6	13
Net periodic pension cost	30	36
Postretirement Plan, Medical and Life [Member]
Defined Benefit Plan, Net Periodic Benefit Cost [Abstract]
Service cost, benefits earned during the period	12	12
Interest cost on projected benefit obligation	17	16
Expected return on plan assets	0	0
Amortization of unrecognized prior service cost	(24)	(24)
Amortization of unrecognized net loss	6	2
Net periodic pension cost	$ 11	$ 6

SEGMENT REPORTING (Details)

SEGMENT REPORTING (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2016USD ($)Segment	Mar. 31, 2015USD ($)	Dec. 31, 2015USD ($)
Segment Reporting Information [Line Items]
Number of primary business segment | Segment	2
Reportable segments and reconciliation to consolidated results [Abstract]
Interest and dividend income	$ 13,949	$ 13,234
Interest expense	924	892
Net interest income	13,025	12,342
Provision for loan losses	595	390
Net interest income after provision for loan losses	12,430	11,952
Other operating income	5,601	5,186
Other operating expenses	14,008	13,736
Income before income tax expense	4,023	3,402
Income tax expense (benefit)	1,316	1,126
Net income	2,707	2,276
Segment assets	1,643,226	1,584,772	$ 1,619,964
Holding Company and CFS [Member]
Reportable segments and reconciliation to consolidated results [Abstract]
Interest and dividend income	0	3
Interest expense	0	0
Net interest income	0	3
Provision for loan losses	0	0
Net interest income after provision for loan losses	0	3
Other operating income	173	346
Other operating expenses	367	284
Income before income tax expense	(194)	65
Income tax expense (benefit)	(89)	9
Net income	(105)	56
Segment assets	1,316	1,679
Operating Segments [Member] | Core Banking [Member]
Reportable segments and reconciliation to consolidated results [Abstract]
Interest and dividend income	13,949	13,231
Interest expense	924	892
Net interest income	13,025	12,339
Provision for loan losses	595	390
Net interest income after provision for loan losses	12,430	11,949
Other operating income	3,416	2,714
Other operating expenses	12,252	12,148
Income before income tax expense	3,594	2,515
Income tax expense (benefit)	1,170	815
Net income	2,424	1,700
Segment assets	1,637,242	1,578,386
Operating Segments [Member] | Wealth Management Group [Member]
Reportable segments and reconciliation to consolidated results [Abstract]
Interest and dividend income	0	0
Interest expense	0	0
Net interest income	0	0
Provision for loan losses	0	0
Net interest income after provision for loan losses	0	0
Other operating income	2,012	2,126
Other operating expenses	1,389	1,304
Income before income tax expense	623	822
Income tax expense (benefit)	235	302
Net income	388	520
Segment assets	$ 4,668	$ 4,707

STOCK COMPENSATION (Details)

STOCK COMPENSATION (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Restricted Stock [Member]
Shares [Roll Forward]
Nonvested, Beginning Balance (in shares)	22,569
Granted (in shares)	0
Vested (in shares)	(415)
Forfeited or cancelled (in shares)	0
Nonvested, Ending Balance (in shares)	22,154
Weighted-Average Grant Date Fair Value [Roll Forward]
Nonvested, Beginning Balance (in dollars per share)	$ 28.09
Granted (in dollars per share)	0
Vested (in dollars per share)	26.59
Forfeitures or cancelled (in dollars per share)	0
Nonvested, Ending Balance (in dollars per share)	$ 28.12
Total unrecognized compensation cost related to nonvested shares granted under the Plan	$ 567
Weighted-average period for recognition	3 years 6 months 22 days
Total fair value of shares vested	$ 11	$ 11
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)	9,532	9,673
Expenses related to stock based compensation recognized	$ 67	$ 69