Evans Bancorp (EVBN) 10-Q 1 May 15 2015 Q1 Quarterly report Financial data

Document_And_Entity_Informatio

Document And Entity Information	3 Months Ended
	Mar. 31, 2015	Apr. 30, 2015
Document And Entity Information [Abstract]
Document Type	10-Q
Document Period End Date	31-Mar-15
Amendment Flag	FALSE
Document Fiscal Period Focus	Q1
Document Fiscal Year Focus	2015
Entity Registrant Name	EVANS BANCORP INC
Entity Central Index Key	842518
Current Fiscal Year End Date	-19
Entity Filer Category	Smaller Reporting Company
Entity Common Stock, Shares Outstanding		4,231,416

Consolidated_Balance_Sheets

Consolidated Balance Sheets (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
ASSETS
Cash and due from banks	$14,661	$8,784
Interest-bearing deposits at banks	46,033	2,114
Securities:
Available for sale, at fair value (amortized cost: $96,367 at March 31, 2015; $94,048 at December 31, 2014)	98,393	95,533
Held to maturity, at amortized cost (fair value: $1,576 at March 31, 2015; $1,574 at December 31, 2014)	1,588	1,599
Federal Home Loan Bank common stock, at amortized cost	822	1,439
Federal Reserve Bank common stock, at amortized cost	1,486	1,486
Loans, net of allowance for loan losses of $12,777 at March 31, 2015 and $12,533 at December 31, 2014	688,961	683,131
Properties and equipment, net of accumulated depreciation of $15,390 at March 31, 2015 and $15,129 at December 31, 2014	10,074	10,224
Goodwill	8,101	8,101
Bank-owned life insurance	20,552	20,415
Other assets	13,681	13,983
TOTAL ASSETS	904,352	846,809
LIABILITIES
Demand deposits	169,965	158,631
NOW deposits	82,956	72,670
Regular savings deposits	416,317	363,542
Time deposits	111,120	112,792
Total deposits	780,358	707,635
Securities sold under agreement to repurchase	10,673	13,778
Other short term borrowings		13,700
Other liabilities	15,290	14,578
Junior subordinated debentures	11,330	11,330
Total liabilities	817,651	761,021
CONTINGENT LIABILITIES AND COMMITMENTS
STOCKHOLDERS' EQUITY:
Common stock, $.50 par value, 10,000,000 shares authorized; 4,244,591 and 4,241,797 shares issued at March 31, 2015 and December 31, 2014, respectively, and 4,230,895 and 4,203,684 outstanding at March 31, 2015 and December 31, 2014, respectively	2,123	2,123
Capital surplus	42,682	43,102
Treasury stock, at cost, 13,696 shares and 38,113 at March 31, 2015 and December 31, 2014, respectively	-166	-751
Retained earnings	43,210	42,822
Accumulated other comprehensive loss, net of tax	-1,148	-1,508
Total stockholders' equity	86,701	85,788
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$904,352	$846,809

Consolidated_Balance_Sheets_Pa

Consolidated Balance Sheets (Parenthetical) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, except Share data, unless otherwise specified
Consolidated Balance Sheets [Abstract]
Available for sale, cost	$96,367	$94,048
Held to maturity, fair value	1,576	1,574
Allowance for loan and lease losses	12,777	12,533
Properties and equipment, accumulated depreciation	$15,390	$15,129
Common stock, par value	$0.50	$0.50
Common stock, shares authorized	10,000,000	10,000,000
Common stock, shares issued	4,244,591	4,241,797
Common stock, shares outstanding	4,230,895	4,203,684
Treasury stock shares	13,696	38,113

Consolidated_Statements_Of_Inc

Consolidated Statements Of Income (USD $)	3 Months Ended
In Thousands, except Share data, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
INTEREST INCOME
Loans	$7,813	$7,510
Interest bearing deposits at banks	1	15
Securities:
Taxable	405	449
Non-taxable	237	245
Total interest income	8,456	8,219
INTEREST EXPENSE
Deposits	781	756
Other borrowings	15	86
Junior subordinated debentures	79	79
Total interest expense	875	921
NET INTEREST INCOME	7,581	7,298
PROVISION (CREDIT) FOR LOAN LOSSES	201	153
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	7,380	7,145
NON-INTEREST INCOME
Bank charges	409	461
Insurance service and fees	1,829	2,132
Data center income	24	107
Gain on loans sold	22
Bank-owned life insurance	137	145
Other	645	550
Total non-interest income	3,066	3,395
NON-INTEREST EXPENSE
Salaries and employee benefits	4,794	4,695
Occupancy	695	743
Repairs and maintenance	173	176
Advertising and public relations	211	222
Professional services	511	518
Technology and communications	259	300
Amortization of intangibles		41
FDIC insurance	147	162
Other	722	761
Total non-interest expense	7,512	7,618
INCOME BEFORE INCOME TAXES	2,934	2,922
INCOME TAX PROVISION	1,029	909
NET INCOME	$1,905	$2,013
Net income per common share-basic	$0.45	$0.48
Net income per common share-diluted	$0.44	$0.47
Cash dividends per common share	$0.36	$0.31
Weighted average number of common shares outstanding	4,213,509	4,200,519
Weighted average number of diluted shares outstanding	4,291,676	4,284,016

Statements_Of_Consolidated_Com

Statements Of Consolidated Comprehensive Income (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Statements Of Consolidated Comprehensive Income [Abstract]
NET INCOME	$1,905	$2,013
Unrealized gain on available-for-sale securities:
Unrealized gain on available-for-sale securities	331	361
Less: Reclassification of gain on sale of securities
Net change, Net-of-Tax Amount	331	361
Defined benefit pension plans:
Amortization of prior service cost	5	5
Amortization of actuarial assumptions	24	16
Total	29	21
OTHER COMPREHENSIVE INCOME, NET OF TAX	360	382
COMPREHENSIVE INCOME	$2,265	$2,395

Consolidated_Statements_Of_Cha

Consolidated Statements Of Changes In Stockholdersb Equity (USD $)	Common Stock [Member]	Capital Surplus [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Treasury Stock [Member]	Total
In Thousands
Balance at Dec. 31, 2013	$2,106	$42,619	$37,370	($1,263)	($120)	$80,712
Net income			2,013			2,013
Other comprehensive income				382		382
Cash dividends			-1,305			-1,305
Stock options and restricted stock expense		99				99
Excess tax expense from stock-based compensation		21				21
Issued restricted shares	2	-2
Repurchased shares in Treasury stock					-1,436	-1,436
Reissued shares in stock option exercise		-27			58	31
Balance at Mar. 31, 2014	2,108	42,710	38,078	-881	-1,498	80,517
Balance at Dec. 31, 2014	2,123	43,102	42,822	-1,508	-751	85,788
Net income			1,905			1,905
Other comprehensive income				360		360
Cash dividends			-1,517			-1,517
Stock options and restricted stock expense		117				117
Excess tax benefit from stock-based compensation		-14				-14
Issued restricted shares		-503			503
Repurchased shares in Treasury stock					-34	-34
Reissued shares in stock option exercise		-48			116	68
Balance at Mar. 31, 2015	$2,123	$42,682	$43,210	($1,148)	($166)	$86,701

Consolidated_Statements_Of_Cha1

Consolidated Statements Of Changes In Stockholdersb Equity (Parenthetical) (USD $)	3 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Consolidated Statements Of Changes In Stockholdersb Equity [Abstract]
Cash dividends per common share	$0.36	$0.31
Restricted shares issued		3,017
Shares repurchased	1,397	59,800
Reissued restricted shares	20,942
Shares reissued in stock options exercise	4,872	3,087

Consolidated_Statements_Of_Cas

Consolidated Statements Of Cash Flows (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
OPERATING ACTIVITIES:
Interest received	$8,256	$8,105
Fees received	2,779	3,388
Interest paid	-896	-937
Cash paid to employees and vendors	-7,804	-8,368
Income taxes paid	-1	-960
Proceeds from sale of loans held for resale	2,658
Originations of loans held for resale	-4,995	-123
Net cash (used in) provided by operating activities	-3	1,105
INVESTING ACTIVITIES:
Purchases of available for sale securities	-4,244
Proceeds from maturities, calls, and payments of available for sale securities	2,451	5,543
Proceeds from maturities, calls, and payments of held to maturity securities	11	11
Additions to properties and equipment	-111	-226
Purchase of tax credit investment	-667
Net increase in loans	-3,595	-13,493
Net cash (used in) provided by investing activities	-6,155	-8,165
FINANCING ACTIVITIES:
Proceeds from (repayments of) borrowings, net	-16,803	-1,977
Net increase in deposits	72,723	15,333
Repurchase of treasury stock	-34	-1,436
Reissuance of treasury stock	68	31
Net cash provided by financing activities	55,954	11,951
Net increase in cash and equivalents	49,796	4,891
CASH AND CASH EQUIVALENTS:
Beginning of period	10,898	41,954
End of period	60,694	46,845
RECONCILIATION OF NET INCOME TO NET CASH PROVIDED BY OPERATING ACTIVITIES:
Net income	1,905	2,013
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	356	422
Deferred tax (benefit) expense	42	-13
Provision for loan losses	201	153
Gain on loans sold	-22
Stock options and restricted stock expense	117	99
Proceeds from sale of loans held for resale	2,658
Originations of loans held for resale	-4,995	-123
Changes in assets and liabilities affecting cash flow:
Other assets	327	-377
Other liabilities	-592	-1,069
NET CASH (USED IN) PROVIDED BY OPERATING ACTIVITIES	($3)	$1,105

Organization_And_Summary_Of_Si

Organization And Summary Of Significant Accounting Policies	3 Months Ended
	Mar. 31, 2015
Organization And Summary Of Significant Accounting Policies [Abstract]
Organization And Summary Of Significant Accounting Policies
	1. ORGANIZATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
	The accounting and reporting policies followed by Evans Bancorp, Inc. (the “Company”), a financial holding company, and its two direct, wholly-owned subsidiaries: (i) Evans Bank, National Association (the “Bank”), and the Bank’s subsidiaries, Evans National Leasing, Inc. (“ENL”), Evans National Holding Corp. (“ENHC”) and Suchak Data Systems, LLC (“SDS”); and (ii) Evans National Financial Services, LLC (“ENFS”), and ENFS’s subsidiary, The Evans Agency, LLC (“TEA”), and TEA’s subsidiaries, Frontier Claims Services, Inc. (“FCS”) and ENB Associates Inc. (“ENBA”), in the preparation of the accompanying interim unaudited consolidated financial statements conform with U.S. generally accepted accounting principles (“GAAP”) and with general practice within the industries in which it operates.  Except as the context otherwise requires, the Company and its direct and indirect subsidiaries are collectively referred to in this report as the “Company.”
	The accompanying consolidated financial statements are unaudited.  In the opinion of management, all adjustments necessary for a fair presentation of the Company’s financial position and results of operations for the interim periods have been made.  During the three month period ended March 31, 2015, the Company revised the unaudited Consolidated Statement of Cash Flows for the three month period ended March 31, 2014 to correct errors of a $40 thousand increase within “Depreciation and amortization”, $236 thousand increase within “Change in other assets affecting cash flow”, and $276 thousand decrease within “Change in other liabilities affecting cash flow” line items.  The Company has assessed the materiality of this correction and concluded, based on qualitative and quantitative considerations, in accordance with Staff Accounting Bulletin No. 99, that the adjustments were not material to our previously reported financial statements.
	The results of operations for the three month periods ended March 31, 2015 are not necessarily indicative of the results to be expected for the full year. The accompanying unaudited consolidated financial statements should be read in conjunction with the Audited Consolidated Financial Statements and the Notes thereto included in our Annual Report on Form 10-K for the year ended December 31, 2014.

Securities

Securities	3 Months Ended
	Mar. 31, 2015
Securities [Abstract]
Securities	2. SECURITIES
	The amortized cost of securities and their approximate fair value at March 31, 2015 and December 31, 2014 were as follows:
		31-Mar-15
		(in thousands)
		Amortized		Unrealized					Fair
		Cost		Gains		Losses			Value
	Available for Sale:
	Debt securities:
	U.S. government agencies	$	26,593	$	388	$	-122		$	26,859
	States and political subdivisions		30,988		969		-28			31,929
	Total debt securities	$	57,581	$	1,357	$	-150		$	58,788
	Mortgage-backed securities:
	FNMA	$	14,101	$	578	$	-		$	14,679
	FHLMC		5,620		131		-46			5,705
	GNMA		8,276		133		-9			8,400
	CMO		10,789		88		-56			10,821
	Total mortgage-backed securities	$	38,786	$	930	$	-111		$	39,605
	Total securities designated as available for sale	$	96,367	$	2,287	$	-261		$	98,393
	Held to Maturity:
	Debt securities
	States and political subdivisions	$	1,588	$	13	$	-25		$	1,576
	Total securities designated as held to maturity	$	1,588	$	13	$	-25		$	1,576
		31-Dec-14
		(in thousands)
		Amortized		Unrealized					Fair
		Cost		Gains		Losses			Value
	Available for Sale:
	Debt securities:
	U.S. government agencies	$	26,687	$	305	$	-275		$	26,717
	States and political subdivisions		30,182		927		-49			31,060
	Total debt securities	$	56,869	$	1,232	$	-324		$	57,777
	Mortgage-backed securities:
	FNMA	$	14,653	$	516	$	-15		$	15,154
	FHLMC		5,901		121		-64			5,958
	GNMA		6,014		143		-27			6,130
	CMO		10,611		42		-139			10,514
	Total mortgage-backed securities	$	37,179	$	822	$	-245		$	37,756
	Total securities designated as available for sale	$	94,048	$	2,054	$	-569		$	95,533
	Held to Maturity:
	Debt securities
	States and political subdivisions	$	1,599	$	7	$	-32		$	1,574
	Total securities designated as held to maturity	$	1,599	$	7	$	-32		$	1,574
	Available for sale securities with a total fair value of $85.6 million and $68.8 million at March 31, 2015 and December 31, 2014, respectively, were pledged as collateral to secure public deposits and for other purposes required or permitted by law.
	The Company uses the Federal Home Loan Bank of New York (“FHLBNY”) as its primary source of overnight funds and also has several long-term advances with FHLBNY.  The Company had no borrowed funds as of March 31, 2015, and had a total of $13.7 million in borrowed funds with FHLBNY at December 31, 2014.  The Company has placed sufficient collateral in the form of residential and commercial real estate loans at FHLBNY that meet FHLB collateral requirements.  As a member of the Federal Home Loan Bank (“FHLB”) System, the Bank is required to hold stock in FHLBNY.  The Bank held $0.8 million and $1.4 million in FHLBNY stock as of March 31, 2015 and December 31, 2014 at amortized cost.  The Company regularly evaluates investments in FHLBNY for impairment, considering liquidity, operating performance, capital position, stock repurchase and dividend history.  At this time, the Company does not believe any impairment in FHLBNY stock is warranted.
	The scheduled maturities of debt and mortgage-backed securities at March 31, 2015 and December 31, 2014 are summarized below.  All maturity amounts are contractual maturities.  Actual maturities may differ from contractual maturities because certain issuers have the right to call or prepay obligations with or without call premiums.
		31-Mar-15				31-Dec-14
		Amortized		Estimated		Amortized			Estimated
		cost		fair value		cost			fair value
			(in thousands)				(in thousands)
	Debt securities available for sale:
	Due in one year or less	$	8,033	$	8,084	$	8,172		$	8,256
	Due after one year through five years		23,284		23,893		22,118			22,597
	Due after five years through ten years		19,310		19,590		20,517			20,589
	Due after ten years		6,954		7,221		6,062			6,335
			57,581		58,788		56,869			57,777
	Mortgage-backed securities
	available for sale		38,786		39,605		37,179			37,756
	Total available for sale securities	$	96,367	$	98,393	$	94,048		$	95,533
	Debt securities held to maturity:
	Due in one year or less	$	478	$	478	$	478		$	477
	Due after one year through five years		66		67		77			78
	Due after five years through ten years		932		924		932			914
	Due after ten years		112		107		112			105
			1,588		1,576		1,599			1,574
Total held to maturity securities	$	1,588	$	1,576	$	1,599		$	1,574
Information regarding unrealized losses within the Company’s available for sale securities at March 31, 2015 and December 31, 2014 is summarized below.  The securities are primarily U.S. government-guaranteed agency securities or municipal securities.  All unrealized losses are considered temporary and related to market interest rate fluctuations.
	31-Mar-15
		Less than 12 months				12 months or longer					Total
		Fair		Unrealized		Fair			Unrealized		Fair		Unrealized
		Value		Losses		Value			Losses		Value		Losses
		(in thousands)
Available for Sale:
Debt securities:
U.S. government agencies	$	1,991	$	-9	$	5,887		$	-113	$	7,878	$	-122
States and political subdivisions		1,989		-10		1,130			-18		3,119		-28
Total debt securities	$	3,980	$	-19	$	7,017		$	-131	$	10,997	$	-150
Mortgage-backed securities:
FNMA	$	-	$	-	$	-	-	$	-	$	-	$	-
FHLMC		-		-		1,454			-46		1,454		-46
GNMA		1,207		-1		795			-8		2,002		-9
CMO'S		1,670		-4		4,232			-52		5,902		-56
Total mortgage-backed securities	$	2,877	$	-5	$	6,481		$	-106	$	9,358	$	-111
Held To Maturity:
Debt securities:
States and political subdivisions	$	371	$	-1	$	473		$	-24	$	844	$	-25
Total temporarily impaired
securities	$	7,228	$	-25	$	13,971		$	-261	$	21,199	$	-286
	31-Dec-14
		Less than 12 months				12 months or longer					Total
		Fair		Unrealized		Fair			Unrealized		Fair		Unrealized
		Value		Losses		Value			Losses		Value		Losses
		(in thousands)
Available for Sale:
Debt securities:
U.S. government agencies	$	3,906	$	-26	$	7,751		$	-249	$	11,657	$	-275
States and political subdivisions		4,752		-9		1,902			-40		6,654		-49
Total debt securities	$	8,658	$	-35	$	9,653		$	-289	$	18,311	$	-324
Mortgage-backed securities:
FNMA	$	1,498	$	-10	$	1,731		$	-5	$	3,229	$	-15
FHLMC		-		-		1,482			-64		1,482		-64
GNMA		-		-		2,079			-27		2,079		-27
CMO'S		1,722		-11		4,290			-128		6,012		-139
Total mortgage-backed securities	$	3,220	$	-21	$	9,582		$	-224	$	12,802	$	-245
Held To Maturity:
Debt securities:
States and political subdivisions	$	371	$	-1	$	556		$	-31	$	927	$	-32
Total temporarily impaired
securities	$	12,249	$	-57	$	19,791		$	-544	$	32,040	$	-601
Management has assessed the securities available for sale in an unrealized loss position at March 31, 2015 and December 31, 2014 and determined the decline in fair value below amortized cost to be temporary.  In making this determination, management considered the period of time the securities were in a loss position, the percentage decline in comparison to the securities’ amortized cost, and the financial condition of the issuer (primarily government or government-sponsored enterprises).  In addition, management does not intend to sell these securities and it is not more likely than not that the Company will be required to sell these securities before recovery of their amortized cost.  Management believes the decline in fair value is primarily related to market interest rate fluctuations and not to the credit deterioration of the individual issuers.
The Company had not recorded any other-than-temporary impairment (“OTTI”) charges as of March 31, 2015 and did not record any OTTI charges during 2014.  Nevertheless, it remains possible that there could be deterioration in the asset quality of the securities portfolio in the future.  The credit worthiness of the Company’s portfolio is largely reliant on the ability of U.S. government sponsored agencies such as FHLB, Federal National Mortgage Association (“FNMA”), Government National Mortgage Association (“GNMA”), and Federal Home Loan Mortgage Corporation (“FHLMC”), and municipalities throughout New York State to meet their obligations.  In addition, dysfunctional markets could materially alter the liquidity, interest rate, and pricing risk of the portfolio.  The relatively stable past performance is not a guarantee for similar performance of the Company’s securities portfolio going forward.

Fair_Value_Measurements

Fair Value Measurements	3 Months Ended
	Mar. 31, 2015
Fair Value Measurements [Abstract]
Fair Value Measurements	3.  FAIR VALUE MEASUREMENTS
	The Company follows the provisions of ASC Topic 820, “Fair Value Measurements and Disclosures.”  Those provisions relate to financial assets and liabilities carried at fair value and fair value disclosures related to financial assets and liabilities. ASC Topic 820 defines fair value and specifies a hierarchy of valuation techniques based on the nature of the inputs used to develop the fair value measures. Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date.
	There are three levels of inputs to fair value measurements:
		·		Level 1, meaning the use of quoted prices for identical instruments in active markets;
		·		Level 2, meaning the use of quoted prices for similar instruments in active markets or quoted prices for identical or similar instruments in markets that are not active or are directly or indirectly observable; and
		·		Level 3, meaning the use of unobservable inputs.
	Observable market data should be used when available.
	FINANCIAL INSTRUMENTS MEASURED AT FAIR VALUE ON A RECURRING BASIS
	The following table presents for each of the fair-value hierarchy levels as defined in this footnote, those financial instruments which are measured at fair value on a recurring basis at March 31, 2015 and December 31, 2014:
	(in thousands)			Level 1		Level 2		Level 3		Fair Value
	31-Mar-15
	Securities available-for-sale:
	U.S. government agencies		$	-	$	26,859	$	-	$	26,859
	States and political subdivisions			-		31,929		-		31,929
	Mortgage-backed securities			-		39,605		-		39,605
	Mortgage servicing rights			-		-		497		497
	31-Dec-14
	Securities available-for-sale:
	U.S. government agencies		$	-	$	26,717	$	-	$	26,717
	States and political subdivisions			-		31,060		-		31,060
	Mortgage-backed securities			-		37,756		-		37,756
	Mortgage servicing rights			-		-		518		518
	Securities available for sale
	Fair values for securities are determined using independent pricing services and market-participating brokers.  The Company’s independent pricing service utilizes evaluated pricing models that vary by asset class and incorporate available trade, bid and other market information for structured securities, cash flow and, when available, loan performance data.  Because many fixed income securities do not trade on a daily basis, the evaluated pricing applications apply information as applicable through processes, such as benchmarking of like securities, sector groupings, and matrix pricing, to prepare evaluations.  In addition, model processes, such as the Option Adjusted Spread model, are used to assess interest rate impact and develop prepayment scenarios.  The models and the process take into account market convention.  For each asset class, a team of evaluators gathers information from market sources and integrates relevant credit information, perceived market movements and sector news into the evaluated pricing applications and models.  The company’s service provider may occasionally determine that it does have not sufficient verifiable information to value a particular security.  In these cases the Company will utilize valuations from another pricing service.
	Management believes that it has a sufficient understanding of the third party service’s valuation models, assumptions and inputs used in determining the fair value of securities to enable management to maintain an appropriate system of internal control.  On a quarterly basis, the Company reviews changes in the market value of its security portfolio.  Individual changes in valuations are reviewed for consistency with general interest rate movements and any known credit concerns for specific securities.  Additionally, on an annual basis, the Company has its entire security portfolio priced by a second pricing service to determine consistency with another market evaluator.  If, on the Company’s review or in comparing with another servicer, a material difference between pricing evaluations were to exist, the Company would submit an inquiry to the service provider regarding the data used to value a particular security.   If the Company determines it has market information that would support a different valuation than the initial evaluation it can submit a challenge for a change to that security’s valuation. There were no material differences in valuations noted in the first quarter of 2015 or during fiscal year 2014.
	Securities available for sale are classified as Level 2 in the fair value hierarchy as the valuation provided by the third-party provider uses observable market data.
	Mortgage servicing rights
	Mortgage servicing rights (“MSRs”) do not trade in an active, open market with readily observable prices. Accordingly, the Company obtains the fair value of the MSRs using a third-party pricing provider. The provider determines the fair value by discounting projected net servicing cash flows of the remaining servicing portfolio.  The valuation model used by the provider considers market loan prepayment predictions and other economic factors which management considers to be significant unobservable inputs.  The fair value of MSRs is mostly affected by changes in mortgage interest rates since rate changes cause the loan prepayment acceleration factors to increase or decrease.  Management has a sufficient understanding of the third party service’s valuation models, assumptions and inputs used in determining the fair value of MSRs to enable management to maintain an appropriate system of internal control.  Mortgage servicing rights are classified within Level 3 of the fair value hierarchy as the valuation is model driven and primarily based on unobservable inputs.
	The following table summarizes the changes in fair value for mortgage servicing rights during the three month periods ended March 31, 2015 and 2014, respectively:
			Three months ended March 31,
	(in thousands)		2015		2014
	Mortgage servicing rights - January 1		$	518	$	509
	Gains (losses) included in earnings			-45		-38
	Additions from loan sales			24		-
	Mortgage servicing rights - March 31		$	497	$	471
	Quantitative information about the significant unobservable inputs used in the fair value measurement of MSRs at the respective dates is as follows:
			3/31/15		12/31/14
	Servicing fees		0.25	%	0.25	%
	Discount rate		9.52	%	9.52	%
	Prepayment rate (CPR)		9.80	%	9.28	%
	FINANCIAL INSTRUMENTS MEASURED AT FAIR VALUE ON A NONRECURRING BASIS
	The Company is required, on a nonrecurring basis, to adjust the carrying value of certain assets or provide valuation allowances related to certain assets using fair value measurements.  The following table presents for each of the fair-value hierarchy levels as defined in this footnote, those financial instruments which are measured at fair value on a nonrecurring basis at March 31, 2015 and December 31, 2014:
	(in thousands)			Level 1		Level 2		Level 3		Fair Value
	31-Mar-15
	Impaired loans		$	-		-		14,569	$	14,569
	31-Dec-14
	Impaired loans		$	-		-		13,716	$	13,716
	Impaired loans
	The Company evaluates and values impaired loans at the time the loan is identified as impaired, and the fair values of such loans are estimated using Level 3 inputs in the fair value hierarchy.  Each loan’s collateral has a unique appraisal and management’s discount of the value is based on factors unique to each impaired loan.  The significant unobservable input in determining the fair value is management’s subjective discount on appraisals of the collateral securing the loan, which ranges from 10%-50%.  Collateral may consist of real estate and/or business assets including equipment, inventory and/or accounts receivable and the value of these assets is determined based on appraisals by qualified licensed appraisers hired by the Company.  Appraised and reported values may be discounted based on management’s historical knowledge, changes in market conditions from the time of valuation, estimated costs to sell, and/or management’s expertise and knowledge of the client and the client’s business.
	The Company has an appraisal policy in which appraisals are obtained upon a commercial loan being downgraded on the Company internal loan rating scale to a 5 (special mention) or a 6 (substandard) depending on the amount of the loan, the type of loan and the type of collateral.  All impaired commercial loans are either graded a 6 or 7 on the internal loan rating scale.  For consumer loans, the Company obtains appraisals when a loan becomes 90 days past due or is determined to be impaired, whichever occurs first.  Subsequent to the downgrade or reaching 90 days past due, if the loan remains outstanding and impaired for at least one year more, management may require another follow-up appraisal.  Between receipts of updated appraisals, if necessary, management may perform an internal valuation based on any known changing conditions in the marketplace such as sales of similar properties, a change in the condition of the collateral, or feedback from local appraisers.  Impaired loans had a gross value of $15.7 million, with a valuation allowance of $1.2 million, at March 31, 2015, compared to a gross value for impaired loans of $15.0 million, with a valuation allowance of $1.3 million, at December 31, 2014.
	FAIR VALUE OF FINANCIAL INSTRUMENTS
	At March 31, 2015 and December 31, 2014, the estimated fair values of the Company’s financial instruments, including those that are not measured and reported at fair value on a recurring basis or nonrecurring basis, were as follows:
			31-Mar-15				31-Dec-14
			Carrying		Fair		Carrying		Fair
			Amount		Value		Amount		Value
				(in thousands)				(in thousands)
	Financial assets:
	Level 1:
	Cash and cash equivalents		$	60,694	$	60,694	$	10,898	$	10,898
	Level 2:
	Available for sale securities			98,393		98,393		95,533		95,533
	FHLB and FRB stock			2,308		2,308		2,925		2,925
	Level 3:
	Held to maturity securities			1,588		1,576		1,599		1,574
Loans and leases, net			688,961		700,338		683,131		685,148
Mortgage servicing rights			497		497		518		518
Financial liabilities:
Level 1:
Demand deposits		$	169,965	$	169,965	$	158,631	$	158,631
NOW deposits			82,956		82,956		72,670		72,670
Regular savings deposits			416,317		416,317		363,542		363,542
Commitments to extend credit			93		93		245		245
Securities sold under agreement to
repurchase			10,673		10,673		13,778		13,778
Level 2:
Other borrowed funds			-		-		13,700		13,700
Junior subordinated debentures			11,330		11,330		11,330		11,330
Level 3:
Time deposits			111,120		110,678		112,792		113,854
The following methods and assumptions were used to estimate the fair value of each class of financial instruments for which it is practical to estimate that value.
Cash and Cash Equivalents.  For these short-term instruments, the carrying amount is a reasonable estimate of fair value.  “Cash and Cash Equivalents” includes interest-bearing deposits at other banks.
FHLB and FRB stock.  The carrying value of FHLB and FRB stock approximate fair value.
Securities held to maturity.  The Company holds certain municipal bonds as held-to-maturity.  These bonds are generally small in dollar amount and are issued only by certain local municipalities within the Company’s market area.  The original terms are negotiated directly and on an individual basis consistent with our loan and credit guidelines.  These bonds are not traded on the open market and management intends to hold the bonds to maturity.  The fair value of held-to-maturity securities is estimated by discounting the future cash flows using the current rates at which similar agreements would be made with municipalities with similar credit ratings and for the same remaining maturities.
Loans and Leases, net.  The fair value of fixed rate loans is estimated by discounting the future cash flows using the current rates at which similar loans would be made to borrowers with similar credit ratings and for the same remaining maturities, net of the appropriate portion of the allowance for loan losses.  For variable rate loans, the carrying amount is a reasonable estimate of fair value.  This fair value calculation is not necessarily indicative of the exit price, as defined in ASC 820.
Deposits.  The fair value of demand deposits, NOW accounts, muni-vest accounts and regular savings accounts is the amount payable on demand at the reporting date.  The fair value of time deposits is estimated using the rates currently offered for deposits of similar remaining maturities.
Junior Subordinated Debentures.  There is no active market for the Company’s debentures.  The fair value of the junior subordinated debentures is determined using an expected prevent value technique.  The fair value of the adjustable-rate debentures approximates their face amount.
Commitments to extend credit and standby letters of credit.  As described in Note 8 - “Contingent Liabilities and Commitments” to these Unaudited Consolidated Financial Statements, the Company was a party to financial instruments with off-balance sheet risk at March 31, 2015 and December 31, 2014.  Such financial instruments consist of commitments to extend permanent financing and letters of credit.  If the options are exercised by the prospective borrowers, these financial instruments will become interest-earning assets of the Company.  If the options expire, the Company retains any fees paid by the counterparty in order to obtain the commitment or guarantee.  The fees collected for these commitments are recorded as “unearned commitment fees” in Other Liabilities.  The carrying value approximates the fair value.
Securities Sold Under Agreement to Repurchase.  The fair value of the securities sold under agreement to repurchase approximates its carrying value.
Other Borrowed Funds.  The fair value of the short-term portion of other borrowed funds approximates its carrying value.  The fair value of the long-term portion of other borrowed funds is estimated using a discounted cash flow analysis based on the Company’s current incremental borrowing rates for similar types of borrowing arrangements.

Loans_And_The_Allowance_For_Lo

Loans And The Allowance For Loan Losses	3 Months Ended
	Mar. 31, 2015
Loans And The Allowance For Loan Losses [Abstract]
Loans, Leases, And The Allowance For Loan And Lease Losses	4. LOANS AND THE ALLOWANCE FOR LOAN LOSSES
	Loan Portfolio Composition
	The following table presents selected information on the composition of the Company’s loan portfolio as of the dates indicated:
			31-Mar-15			31-Dec-14
	Mortgage loans on real estate:			(in thousands)
	Residential Mortgages		$	100,548		$	98,374
	Commercial and multi-family			366,657			363,252
	Construction-Residential			238			721
	Construction-Commercial			39,723			40,986
	Home equities			59,689			59,948
	Total real estate loans			566,855			563,281
	Commercial and industrial loans			132,416			129,456
	Consumer loans			1,704			1,764
	Other			122			404
	Net deferred loan origination costs			641			759
	Total gross loans			701,738			695,664
	Allowance for loan losses			-12,777			-12,533
	Loans, net		$	688,961		$	683,131
	The Bank sells certain fixed rate residential mortgages to FNMA, while maintaining the servicing rights for those mortgages.  In the three month period ended March 31, 2015, the Bank sold mortgages to FNMA totaling $2.6 million, as compared with no mortgages sold to FNMA in the three month period ended March 31, 2014.  At March 31, 2015, the Bank had a loan servicing portfolio principal balance of $72.2 million upon which it earns servicing fees, as compared with $71.6 million at December 31, 2014.  The value of the mortgage servicing rights for that portfolio was $0.5 million at March 31, 2015 and December 31, 2014, respectively.  At March 31, 2015, there were $2.8 million in residential mortgage loans held-for-sale, compared with $0.4 million in residential mortgages held for sale at December 31, 2014.  The Company had no commercial loans held-for-sale at March 31, 2015 or December 31, 2014.  The Company has never been contacted by FNMA to repurchase any loans due to improper documentation or fraud.
	As noted in Note 1, these financial statements should be read in conjunction with the Audited Consolidated Financial Statements and the Notes thereto included in our Annual Report on Form 10-K for the year ended December 31, 2014.  Disclosures related to the basis for accounting for loans, the method for recognizing interest income on loans, the policy for placing loans on nonaccrual status and the subsequent recording of payments and resuming accrual of interest, the policy for determining past due status, a description of the Company’s accounting policies and methodology used to estimate the allowance for loan losses, the policy for charging off loans, the accounting policies for impaired loans, and more descriptive information on the Company’s credit risk ratings are all contained in the Notes to the Audited Consolidated Financial Statements in the Company’s Annual Report on Form 10-K for the year ended December 31, 2014.  Unless otherwise noted in this Form 10-Q, the policies and methodology described in the Annual Report for the year ended December 31, 2014 are consistent with those utilized by the Company in the three months ended March 31, 2015.
	Credit Quality Indicators
	The Bank monitors the credit risk in its loan portfolio by reviewing certain credit quality indicators (“CQI”).  The primary CQI for its commercial mortgage and commercial and industrial (“C&I”) portfolios is the individual loan’s credit risk rating.  The following list provides a description of the credit risk ratings that are used internally by the Bank when assessing the adequacy of its allowance for loan and lease losses:
		·		1-3-Pass
		·		4-Watch
		·		5-O.A.E.M. (Other Assets Especially Mentioned) or Special Mention
		·		6-Substandard
		·		7-Doubtful
		·		8-Loss
	The Company’s consumer loans, including residential mortgages and home equities, are not individually risk rated or reviewed in the Company’s loan review process.  Consumers are not required to provide the Company with updated financial information as is a commercial customer.  Consumer loans also carry smaller balances.  Given the lack of updated information after the initial underwriting of the loan and small size of individual loans, the Company uses delinquency status as the credit quality indicator for consumer loans.
	The following tables provide data, at the class level, of credit quality indicators of certain loans and leases for the dates specified:
	31-Mar-15
	(in thousands)
	Corporate Credit Exposure – By Credit Rating		Commercial Real Estate Construction			Commercial and Multi-Family Mortgages			Total Commercial Real Estate			Commercial and Industrial
	3		$	33,644		$	308,059		$	341,703		$	86,254
	4			1,235			42,901			44,136			29,712
	5			4,844			9,974			14,818			8,652
	6			-			5,723			5,723			7,687
	7			-			-			-			111
	Total		$	39,723		$	366,657		$	406,380		$	132,416
	31-Dec-14
	(in thousands)
	Corporate Credit Exposure – By Credit Rating		Commercial Real Estate Construction			Commercial and Multi-Family Mortgages			Total Commercial Real Estate			Commercial and Industrial
	3		$	29,421		$	299,798		$	329,219		$	83,789
	4			10,492			50,691			61,183			30,223
	5			1,073			7,853			8,926			8,662
	6			-			4,757			4,757			6,613
	7			-			153			153			169
	Total		$	40,986		$	363,252		$	404,238		$	129,456
	Past Due Loans
	The following tables provide an analysis of the age of the recorded investment in loans that are past due as of the dates indicated:
	31-Mar-15
	(in thousands)
												Total Past			Current			Total		90+ Days		Non-accruing
			30-59 days			60-89 days			90+ days			Due			Balance			Balance		Accruing		Loans
	Commercial and
	industrial		$	663		$	117		$	25		$	805		$	131,611		$	132,416	$	-	$	6,380
	Residential real estate:
	Residential			345			189			473			1,007			99,541			100,548		-		1,275
	Construction			-			-			-			-			238			238		-		-
	Commercial real estate:
	Commercial			1,923			247			302			2,472			364,185			366,657		192		2,938
	Construction			5,848			-			513			6,361			33,362			39,723		513		-
	Home equities			911			13			279			1,203			58,486			59,689		-		489
	Consumer			15			19			-			34			1,670			1,704		-		17
Other			-			-			-			-			122			122		-		-
Total Loans		$	9,705		$	585		$	1,592		$	11,882		$	689,215		$	701,097	$	705	$	11,099
NOTE: Loan and lease balances do not include $641 thousand in net deferred loan origination costs as of March 31, 2015.
31-Dec-14
(in thousands)
											Total Past			Current			Total		90+ Days		Non-accruing
		30-59 days			60-89 days			90+ days			Due			Balance			Balance		Accruing		Loans
Commercial and
industrial		$	153		$	60		$	274		$	487		$	128,969		$	129,456	$	-	$	5,500
Residential real estate:
Residential			848			158			682			1,688			96,686			98,374		-		1,296
Construction			-			-			-			-			721			721		-		-
Commercial real estate:
Commercial			4,201			3,115			513			7,829			355,423			363,252		-		3,162
Construction			8			-			201			209			40,777			40,986		201		-
Home equities			594			120			192			906			59,042			59,948		-		415
Consumer			13			1			-			14			1,750			1,764		-		17
Other			-			-			-			-			404			404		-		-
Total Loans		$	5,817		$	3,454		$	1,862		$	11,133		$	683,772		$	694,905	$	201	$	10,390
NOTE: Loan and lease balances do not include $759 thousand in net deferred loan origination costs as of December 31, 2014.
Allowance for loan losses
The following tables present the activity in the allowance for loan losses according to portfolio segment, for the three month periods ended March 31, 2015 and 2014:
31-Mar-15
(in thousands)		Commercial and Industrial			Commercial Real Estate Mortgages*			Consumer **			Residential Mortgages*			HELOC			Direct Financing Leases		Unallocated		Total
Allowance for loan
losses:
Beginning balance		$	4,896		$	5,650		$	78		$	941		$	819		$	-	$	149	$	12,533
Charge-offs			-			-			-6			-			-			-		-		-6
Recoveries			38			10			1			-			-			-		-		49
Provision			55			170			-3			-17			-4			-		-		201
Ending balance		$	4,989		$	5,830		$	70		$	924		$	815		$	-	$	149	$	12,777
Allowance for loan
losses:
Ending balance:
Individually evaluated
for impairment		$	978		$	124		$	47		$	3		$	-		$	-	$	-	$	1,152
Collectively evaluated
for impairment			4,011			5,706			23			921			815			-		149		11,625
Total		$	4,989		$	5,830		$	70		$	924		$	815		$	-	$	149	$	12,777
Loans:
Ending balance:
Individually evaluated
for impairment		$	6,577		$	5,604		$	47		$	2,512		$	981		$	-	$	-	$	15,721
Collectively evaluated
for impairment			125,839			400,776			1,779			98,274			58,708			-		-		685,376
Total		$	132,416		$	406,380		$	1,826		$	100,786		$	59,689		$	-	$	-	$	701,097
* Includes construction loans
** Includes all other consumer loans
NOTE: Loan balances do not include $641 thousand in net deferred loan origination costs as of March 31, 2015.
31-Mar-14
(in thousands)		Commercial and Industrial			Commercial Real Estate Mortgages*			Consumer **			Residential Mortgages*			HELOC			Direct Financing Leases		Unallocated		Total
Allowance for loan
losses:
Beginning balance		$	4,489		$	4,912		$	37		$	1,038		$	878		$	-	$	149	$	11,503
Charge-offs			-57			-			-6			-			-1			-		-		-64
Recoveries			28			29			2			-			-			83		-		142
Provision			63			167			3			-1			4			-83		-		153
Ending balance		$	4,523		$	5,108		$	36		$	1,037		$	881		$	-	$	149	$	11,734
Allowance for loan
losses:
Ending balance:
Individually evaluated
for impairment		$	1,182		$	210		$	19		$	-		$	-		$	-	$	-	$	1,411
Collectively evaluated
for impairment			3,341			4,898			17			1,037			881			-		149		10,323
Total		$	4,523		$	5,108		$	36		$	1,037		$	881		$	-	$	149	$	11,734
Loans:
Ending balance:
Individually evaluated
for impairment		$	4,291		$	11,579		$	19		$	2,100		$	284		$	-	$	-	$	18,273
Collectively evaluated
for impairment			106,653			380,194			1,576			96,268			57,080			-		-		641,771
Total		$	110,944		$	391,773		$	1,595		$	98,368		$	57,364		$	-	$	-	$	660,044
* Includes construction loans
** Includes all other consumer loans
NOTE: Loan balances do not include $651 thousand in net deferred loan origination costs as of March 31, 2014.
Impaired Loans
The following tables provide data, at the class level, of impaired loans as of the dates indicated:
			At March 31, 2015
			Recorded Investment			Unpaid Principal Balance			Related Allowance			Average Recorded Investment			Interest Income Foregone			Interest Income Recognized
With no related allowance recorded:			(in thousands)
Commercial and industrial		$	1,330		$	1,461		$	-		$	1,416		$	148		$	7
Residential real estate:
Residential			2,241			2,419			-			2,253			12			11
Construction			-			-			-			-			-			-
Commercial real estate:
Commercial			1,922			2,016			-			1,956			6			18
Construction			1,103			1,103			-			1,128			-			12
Home equities			981			1,025			-			991			6			4
Consumer			-			-			-			-			-			-
Other			-			-			-			-			-			-
Total impaired loans		$	7,577		$	8,024		$	-		$	7,744		$	172		$	52
			At March 31, 2015
			Recorded Investment			Unpaid Principal Balance			Related Allowance			Average Recorded Investment			Interest Income Foregone			Interest Income Recognized
With a related allowance recorded:			(in thousands)
Commercial and industrial		$	5,247		$	5,324		$	978		$	5,283		$	75		$	12
Residential real estate:
Residential			271			285			3			271			5			-
Construction			-			-			-			-			-			-
Commercial real estate:
Commercial			2,579			2,758			124			2,670			35			-
Construction			-			-			-			-			-			-
Home equities			-			-			-			-			-			-
Consumer			47			60			47			48			1			1
Other			-			-			-			-			-			-
Total impaired loans		$	8,144		$	8,427		$	1,152		$	8,272		$	116		$	13
			At March 31, 2015
			Recorded Investment			Unpaid Principal Balance			Related Allowance			Average Recorded Investment			Interest Income Foregone			Interest Income Recognized
Total:			(in thousands)
Commercial and industrial		$	6,577		$	6,785		$	978		$	6,699		$	223		$	19
Residential real estate:
Residential			2,512			2,704			3			2,524			17			11
Construction			-			-			-			-			-			-
Commercial real estate:
Commercial			4,501			4,774			124			4,626			41			18
Construction			1,103			1,103			-			1,128			-			12
Home equities			981			1,025			-			991			6			4
Consumer			47			60			47			48			1			1
Other			-			-			-			-			-			-
Total impaired loans		$	15,721		$	16,451		$	1,152		$	16,016		$	288		$	65
			At December 31, 2014
			Recorded Investment			Unpaid Principal Balance			Related Allowance			Average Recorded Investment			Interest Income Foregone			Interest Income Recognized
With no related allowance recorded:			(in thousands)
Commercial and industrial		$	1,017		$	1,022		$	-		$	1,096		$	9		$	66
Residential real estate:
Residential			2,264			2,435			-			2,271			37			68
Construction			-			-			-			-			-			-
Commercial real estate:
Commercial			2,103			2,208			-			2,139			33			91
Construction			1,074			1,074			-			1,169			-			44
Home equities			911			950			-			917			17			22
Consumer			-			-			-			-			-			-
Other			-			-			-			-			-			-
Total impaired loans		$	7,369		$	7,689		$	-		$	7,592		$	96		$	291
			At December 31, 2014
			Recorded Investment			Unpaid Principal Balance			Related Allowance			Average Recorded Investment			Interest Income Foregone			Interest Income Recognized
With a related allowance recorded:			(in thousands)
Commercial and industrial		$	4,701		$	4,734		$	988		$	4,701		$	64		$	234
Residential real estate:
Residential			271			285			3			271			20			-
Construction			-			-			-			-			-			-
Commercial real estate:
Commercial			2,640			2,785			274			2,708			96			50
Construction			-			-			-			-			-			-
Home equities			-			-			-			-			-			-
Consumer			48			60			48			49			5			6
Other			-			-			-			-			-			-
Total impaired loans		$	7,660		$	7,864		$	1,313		$	7,729		$	185		$	290
			At December 31, 2014
			Recorded Investment			Unpaid Principal Balance			Related Allowance			Average Recorded Investment			Interest Income Foregone			Interest Income Recognized
Total:			(in thousands)
Commercial and industrial		$	5,718		$	5,756		$	988		$	5,797		$	73		$	300
Residential real estate:
Residential			2,535			2,720			3			2,542			57			68
Construction			-			-			-			-			-			-
Commercial real estate:
Commercial			4,743			4,993			274			4,847			129			141
Construction			1,074			1,074			-			1,169			-			44
Home equities			911			950			-			917			17			22
Consumer			48			60			48			49			5			6
Other			-			-			-			-			-			-
Total impaired loans		$	15,029		$	15,553		$	1,313		$	15,321		$	281		$	581
Non-performing loans
The following table sets forth information regarding non-performing loans as of the dates specified:
		31-Mar-15			31-Dec-14
			(in thousands)
Non-accruing loans:
Commercial and industrial loans		$	6,380		$	5,500
Residential real estate:
Residential			1,275			1,296
Construction			-			-
Commercial real estate:
Commercial and multi-family			2,938			3,162
Construction			-			-
Home equities			489			415
Consumer loans			17			17
Other			-			-
Total non-accruing loans		$	11,099		$	10,390
Accruing loans 90+ days past due			705			201
Total non-performing loans		$	11,804		$	10,591
Total non-performing loans
to total assets			1.31	%		1.25	%
Total non-performing loans
to total loans			1.68	%		1.52	%
Troubled debt restructurings
The Company had $6.8 million in loans that were restructured in a troubled debt restructuring (“TDR”) at March 31, 2015, compared with $6.6 million at December 31, 2014.  $2.2 million and $1.9 million of those balances were in non-accrual status at March 31, 2015 and December 31, 2014, respectively.  Any TDR that is placed on non-accrual is not reverted back to accruing status until the borrower makes timely payments as contracted for at least six months and future collection under the revised terms is probable.  All of the Company’s restructurings were allowed in an effort to maximize its ability to collect on loans where borrowers were experiencing financial difficulty.  The Company did not engage in any re-modifications during the three month periods ended March 31, 2015 and 2014.
The reserve for a TDR is based upon the present value of the future expected cash flows discounted at the loan’s original effective rate or upon the fair value of the collateral less costs to sell, if the loan is deemed collateral dependent.  This reserve methodology is used because all TDR loans are considered impaired.  As of March 31, 2015, there were no commitments to lend additional funds to debtors owing on loans whose terms have been modified in TDRs.
The following tables summarize the loans that were classified as troubled debt restructurings as of the dates indicated:
			31-Mar-15
			($ in thousands)
			Total			Nonaccruing			Accruing			Related Allowance
Commercial and industrial		$	874		$	677		$	197		$	200
Residential real estate:
Residential			1,824			586			1,238			-
Construction			-			-			-			-
Commercial real estate:
Commercial and multi family			2,238			675			1,563			33
Construction			1,103			-			1,103			-
Home equities			719			228			491			-
Consumer loans			30			-			30			30
Other			-			-			-			-
Total troubled restructured loans		$	6,788		$	2,166		$	4,622		$	263
			31-Dec-14
			($ in thousands)
			Total			Nonaccruing			Accruing			Related Allowance
Commercial and industrial		$	492		$	274		$	218		$	173
Residential real estate:
Residential			1,833			594			1,239			-
Construction			-			-			-			-
Commercial real estate:
Commercial and multi family			2,428			847			1,581			33
Construction			1,074			-			1,074			-
Home equities			728			233			495			-
Consumer loans			31			-			31			31
Other			-			-			-			-
Total troubled restructured loans		$	6,586		$	1,948		$	4,638		$	237
The Company’s TDRs have various agreements that involve deferral of principal payments, or interest-only payments, for a period (usually 12 months or less) to allow the customer time to improve cash flow or sell the property.  Other common types of concessions leading to the designation of a TDR are lines of credit that are termed out and extensions of maturities at rates that are less than market given the risk profile of the borrower.
The following table shows the data for TDR activity by type of concession granted to the borrower for the three month periods ended March 31, 2015 and 2014:
		Three months ended March 31, 2015								Three months ended March 31, 2014
		($ in thousands)								($ in thousands)
Troubled Debt Restructurings by Type of Concession		Number of Contracts			Pre-Modification Outstanding Recorded Investment			Post-Modification Outstanding Recorded Investment		Number of Contracts			Pre-Modification Outstanding Recorded Investment			Post-Modification Outstanding Recorded Investment
Commercial and Industrial:
Deferral of principal		3		$	541		$	541		-		$	-		$	-
Residential Real Estate & Construction:
Deferral of principal		-			-			-		-			-			-
Commercial Real Estate & Construction
Deferral of principal		-			-			-		-			-			-
Home Equities:
Deferral of principal		-			-			-		-			-			-
Consumer loans		-			-			-		-			-			-
Other		-			-			-		-			-			-
The general practice of the Bank is to work with borrowers so that they are able to pay back their loan in full.  If a borrower continues to be delinquent or cannot meet the terms of a TDR and the loan is determined to be uncollectible, the loan will be charged off.  The following table presents loans which were classified as TDRs during the previous 12 months which defaulted during the three month periods ended March 31, 2015 and 2014:
		Three months ended March 31, 2015					Three months ended March 31, 2014
		($ in thousands)					($ in thousands)
Troubled Debt Restructurings		Number of		Recorded			Number of		Recorded
That Subsequently Defaulted		Contracts		Investment			Contracts		Investment
Commercial and Industrial		-		$	-		-		$	-
Residential Real Estate:
Residential		-			-		-			-
Construction		-			-		-			-
Commercial Real Estate:
Commercial and Multi-Family		-			-		-			-
Construction		-			-		-			-
Home Equities		1			19		-			-
Consumer loans		-			-		-			-
Other		-			-		-			-

Per_Share_Data

Per Share Data	3 Months Ended
	Mar. 31, 2015
Per Share Data [Abstract]
Per Share Data	5. PER SHARE DATA
	The common stock per share information is based upon the weighted average number of shares outstanding during each period.  For the three month periods ended March 31, 2015 and 2014, the Company had an average of 78,167 and 83,497 dilutive shares outstanding, respectively.
	Potential common shares that would have the effect of increasing diluted earnings per share are considered to be anti-dilutive and not included in calculating diluted earnings per share.  For the three month periods ended March 31, 2015 and 2014, there was an average of 38,630 and 9,000 anti-dilutive shares outstanding, respectively, that were not included in calculating diluted earnings per share because their effect was anti-dilutive.

Other_Comprehensive_Income

Other Comprehensive Income	3 Months Ended
	Mar. 31, 2015
Other Comprehensive Income [Abstract]
Other Comprehensive Income
	6. OTHER COMPREHENSIVE INCOME
	The following tables summarize the changes in the components of accumulated other comprehensive income (loss) during the three month periods ended March 31, 2015 and 2014:
		Balance at December 31, 2014		Net Change		Balance at March 31, 2015
		(in thousands)
	Net unrealized gain (loss) on investment securities	$	911	$	331	$	1,242
	Net defined benefit pension plans adjustments		-2,419		29		-2,390
	Total	$	-1,508	$	360	$	-1,148
		Balance at December 31, 2013		Net Change		Balance at March 31, 2014
		(in thousands)
	Net unrealized gain (loss) on investment securities	$	191	$	361	$	552
	Net defined benefit pension plans adjustments		-1,454		21		-1,433
	Total	$	-1,263	$	382	$	-881
		Three months ended March 31, 2015						Three months ended March 31, 2014
		(in thousands)						(in thousands)
		Before-Tax Amount		Income Tax (Provision) Benefit		Net-of-Tax Amount		Before-Tax Amount		Income Tax (Provision) Benefit		Net-of-Tax Amount
	Unrealized loss on investment securities:
	Unrealized gain (loss) on investment securities	$	541	$	-210	$	331	$	588	$	-227	$	361
	Reclassification from accumulated other
	comprehensive income for gains (losses)		-		-		-		-		-		-
	Net change		541		-210		331		588		-227		361
	Defined benefit pension plans adjustments:
	Net actuarial (loss) gain	$	-	$	-	$	-	$	-	$	-	$	-
	Reclassifications from accumulated other
	comprehensive income for gains (losses)
	Amortization of prior service cost (a)		7		-2		5		8		-3		5
	Amortization of actuarial loss (a)		48		-24		24		26		-10		16
	Net change		55		-26		29		34		-13		21
	Other Comprehensive Income (Loss)	$	596	$	-236	$	360	$	622	$	-240	$	382
	(a)   Included in net periodic pension cost, as described in Note 9 – “Net Periodic Benefit Costs”

Segment_Information

Segment Information	3 Months Ended
	Mar. 31, 2015
Segment Information [Abstract]
Segment Information	7. SEGMENT INFORMATION
	The Company is comprised of two primary business segments, banking and insurance agency activities. The following tables set forth information regarding these segments for the three month periods ended March 31, 2015 and 2014.
		Three months ended March 31, 2015
			Banking		Insurance Agency
			Activities		Activities		Total
			(in thousands)
	Net interest income (expense)	$	7,609	$	-28	$	7,581
	Provision for loan and lease losses		201		-		201
	Net interest income (expense) after
	provision for loan and lease losses		7,408		-28		7,380
	Non-interest income		1,237		-		1,237
	Insurance service and fees		162		1,667		1,829
	Net gain on sales and calls of securities		-		-		-
	Amortization expense		-		-		-
	Non-interest expense		6,481		1,031		7,512
	Income before income taxes		2,326		608		2,934
	Income tax provision		794		235		1,029
	Net income	$	1,532	$	373	$	1,905
		Three months ended March 31, 2014
			Banking		Insurance Agency
			Activities		Activities		Total
			(in thousands)
	Net interest income (expense)	$	7,326	$	-28	$	7,298
	Provision for loan and lease losses		153		-		153
	Net interest income (expense) after
	provision for loan and lease losses		7,173		-28		7,145
	Non-interest income		1,263		-		1,263
	Insurance service and fees		152		1,980		2,132
	Net gain on sales and calls of securities		-		-		-
	Amortization expense		-		41		41
	Non-interest expense		6,477		1,100		7,577
	Income before income taxes		2,111		811		2,922
	Income tax provision		596		313		909
	Net income	$	1,515	$	498	$	2,013

Contingent_Liabilities_And_Com

Contingent Liabilities And Commitments	3 Months Ended
	Mar. 31, 2015
Contingent Liabilities And Commitments [Abstract]
Contingent Liabilities And Commitments	8. CONTINGENT LIABILITIES AND COMMITMENTS
	The unaudited consolidated financial statements do not reflect various commitments and contingent liabilities, which arise in the normal course of business, and which involve elements of credit risk, interest rate risk and liquidity risk. These commitments and contingent liabilities consist of commitments to extend credit and standby letters of credit. A summary of the Bank’s commitments and contingent liabilities is as follows:
		March 31,		December 31,
		2015		2014
		(in thousands)
	Commitments to extend credit	$	234,311	$	212,193
	Standby letters of credit		2,767		2,430
	Total	$	237,078	$	214,623
	Commitments to extend credit and standby letters of credit include some exposure to credit loss in the event of nonperformance by the customer. The Bank’s credit policies and procedures for credit commitments and financial guarantees are the same as those for extensions of credit that are recorded on the Company’s unaudited consolidated balance sheets. Because these instruments have fixed maturity dates, and because they may expire without being drawn upon, they do not necessarily represent cash requirements of the Bank. The Bank has not incurred any losses on its commitments and did not record a reserve for its commitments during the first three months of 2015 or during 2014.
	Certain lending commitments for construction residential mortgage loans are considered derivative instruments under the guidelines of GAAP.  The changes in the fair value of these commitments, due to interest rate risk, are not recorded on the consolidated balance sheets as the fair value of these derivatives is not considered material.
	The Company is subject to possible litigation proceedings in the normal course of business.  As noted in Item 1 of Part II of the Company’s Quarterly Report on Form 10-Q, in which these unaudited financial statements are included, on September 2, 2014 the Office of the Attorney General for the State of New York (“NYAG”) filed a formal complaint against the Company and the Bank regarding residential lending practices.  The Company accrued an estimated liability relating to the NYAG investigation totaling $1.0 million during 2014.  At March, 31, 2015, a range of loss could not be determined, and management believes the $1.0 million accrual is the best estimate of probable loss.

Net_Periodic_Benefit_Costs

Net Periodic Benefit Costs	3 Months Ended
	Mar. 31, 2015
Net Periodic Benefit Costs [Abstract]
Net Periodic Benefit Costs	9. NET PERIODIC BENEFIT COSTS
	On January 31, 2008, the Bank froze its defined benefit pension plan.  The plan covered substantially all Company employees.  The plan provides benefits that are based on the employees’ compensation and years of service.  Under the freeze, eligible employees will receive, at retirement, the benefits already earned through January 31, 2008, but have not accrued any additional benefits since then.  As a result, service cost is no longer incurred.
	The Bank uses an actuarial method of amortizing prior service cost and unrecognized net gains or losses which result from actual expense and assumptions being different than those that are projected. The amortization method the Bank used recognized the prior service cost and net gains or losses over the average remaining service period of active employees.
	The Bank also maintains a nonqualified supplemental executive retirement plan covering certain members of the Company’s senior management. The Bank uses an actuarial method of amortizing unrecognized net gains or losses which result from actual expense and assumptions being different than those that are projected. The amortization method the Bank uses recognizes the net gains or losses over the average remaining service period of active employees.
	The Bank did not contribute to the defined benefit pension plan in the first three months of 2015, and expects to contribute $110 thousand additional funds to the pension plan in the remainder of 2015.
	The following table presents the net periodic cost for the Bank’s defined benefit pension plan and supplemental executive retirement plan for the three month periods ended March 31, 2015 and 2014:
			Three months ended March 31,
			(in thousands)
						Supplemental Executive
		Pension Benefits				Retirement Plan
		2015		2014		2015		2014
	Service cost	$	-	$	-	$	48	$	42
	Interest cost		51		51		37		40
	Expected return on plan assets		-77		-76		-		-
	Amortization of prior service cost		-		-		7		8
	Amortization of the net loss		17		5		31		21
	Net periodic cost (benefit)	$	-9	$	-20	$	123	$	111

Recent_Accounting_Pronouncemen

Recent Accounting Pronouncements	3 Months Ended
	Mar. 31, 2015
Recent Accounting Pronouncements [Abstract]
Recent Accounting Pronouncements	10.  RECENT ACCOUNTING PRONOUNCEMENTS
	Accounting Standards Update (“ASU”) 2014-04, Reclassification of Collateralized Mortgage Loans upon a Troubled Debt Restructuring.  The objective of this proposed ASU is to clarify when an in substance repossession or foreclosure occurs, that is, when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, such that all or a portion of the loan should be derecognized and the real estate property recognized.  The main provisions would also require additional disclosures regarding the amount of foreclosed residential real estate property held by the creditor and the recorded investments of consumer mortgage loans that are in the process of foreclosure at each interim and annual reporting period.  This ASU became effective for the Company in fiscal years and interim periods within those years, beginning after December 15, 2014.  The Company has adopted this guidance for the reporting periods after December 15, 2014 and did not have a material impact on its financial statements.
	ASU 2014-09, Revenue from Contracts with Customers.  The objective of this proposed ASU is to require entities to recognize the amount of revenue to which it expects to be entitled for the transfer of promised goods or services to customers.  This ASU will replace most existing revenue recognition guidance under U.S. GAAP when it becomes effective.  The amendments in this ASU are effective for annual reporting periods beginning after December 15, 2016, including interim periods within that reporting period.  Early application is not permitted.  The standard allows an entity to apply the amendments in the ASU using either the retrospective or cumulative effect transition method.  The Company has not yet selected a transition method nor has it determined the effect of the standard on its ongoing financial reporting.

Securities_Tables

Securities (Tables)	3 Months Ended
	Mar. 31, 2015
Securities [Abstract]
Schedule Of Amortized Cost And Estimated Fair Value Of Investment Securities	The amortized cost of securities and their approximate fair value at March 31, 2015 and December 31, 2014 were as follows:
		31-Mar-15
		(in thousands)
		Amortized		Unrealized					Fair
		Cost		Gains		Losses			Value
	Available for Sale:
	Debt securities:
	U.S. government agencies	$	26,593	$	388	$	-122		$	26,859
	States and political subdivisions		30,988		969		-28			31,929
	Total debt securities	$	57,581	$	1,357	$	-150		$	58,788
	Mortgage-backed securities:
	FNMA	$	14,101	$	578	$	-		$	14,679
	FHLMC		5,620		131		-46			5,705
	GNMA		8,276		133		-9			8,400
	CMO		10,789		88		-56			10,821
	Total mortgage-backed securities	$	38,786	$	930	$	-111		$	39,605
	Total securities designated as available for sale	$	96,367	$	2,287	$	-261		$	98,393
	Held to Maturity:
	Debt securities
	States and political subdivisions	$	1,588	$	13	$	-25		$	1,576
	Total securities designated as held to maturity	$	1,588	$	13	$	-25		$	1,576
		31-Dec-14
		(in thousands)
		Amortized		Unrealized					Fair
		Cost		Gains		Losses			Value
	Available for Sale:
	Debt securities:
	U.S. government agencies	$	26,687	$	305	$	-275		$	26,717
	States and political subdivisions		30,182		927		-49			31,060
	Total debt securities	$	56,869	$	1,232	$	-324		$	57,777
	Mortgage-backed securities:
	FNMA	$	14,653	$	516	$	-15		$	15,154
	FHLMC		5,901		121		-64			5,958
	GNMA		6,014		143		-27			6,130
	CMO		10,611		42		-139			10,514
	Total mortgage-backed securities	$	37,179	$	822	$	-245		$	37,756
	Total securities designated as available for sale	$	94,048	$	2,054	$	-569		$	95,533
	Held to Maturity:
	Debt securities
	States and political subdivisions	$	1,599	$	7	$	-32		$	1,574
	Total securities designated as held to maturity	$	1,599	$	7	$	-32		$	1,574
Scheduled Maturities Of Debt And Mortgage Backed Securities
		31-Mar-15				31-Dec-14
		Amortized		Estimated		Amortized			Estimated
		cost		fair value		cost			fair value
			(in thousands)				(in thousands)
	Debt securities available for sale:
	Due in one year or less	$	8,033	$	8,084	$	8,172		$	8,256
	Due after one year through five years		23,284		23,893		22,118			22,597
	Due after five years through ten years		19,310		19,590		20,517			20,589
	Due after ten years		6,954		7,221		6,062			6,335
			57,581		58,788		56,869			57,777
	Mortgage-backed securities
	available for sale		38,786		39,605		37,179			37,756
	Total available for sale securities	$	96,367	$	98,393	$	94,048		$	95,533
	Debt securities held to maturity:
	Due in one year or less	$	478	$	478	$	478		$	477
	Due after one year through five years		66		67		77			78
	Due after five years through ten years		932		924		932			914
	Due after ten years		112		107		112			105
			1,588		1,576		1,599			1,574
	Total held to maturity securities	$	1,588	$	1,576	$	1,599		$	1,574
Unrealized Losses On Available For Sale Securities
		31-Mar-15
			Less than 12 months				12 months or longer					Total
			Fair		Unrealized		Fair			Unrealized		Fair		Unrealized
			Value		Losses		Value			Losses		Value		Losses
			(in thousands)
	Available for Sale:
	Debt securities:
	U.S. government agencies	$	1,991	$	-9	$	5,887		$	-113	$	7,878	$	-122
	States and political subdivisions		1,989		-10		1,130			-18		3,119		-28
	Total debt securities	$	3,980	$	-19	$	7,017		$	-131	$	10,997	$	-150
	Mortgage-backed securities:
	FNMA	$	-	$	-	$	-	-	$	-	$	-	$	-
	FHLMC		-		-		1,454			-46		1,454		-46
	GNMA		1,207		-1		795			-8		2,002		-9
	CMO'S		1,670		-4		4,232			-52		5,902		-56
	Total mortgage-backed securities	$	2,877	$	-5	$	6,481		$	-106	$	9,358	$	-111
	Held To Maturity:
	Debt securities:
	States and political subdivisions	$	371	$	-1	$	473		$	-24	$	844	$	-25
	Total temporarily impaired
	securities	$	7,228	$	-25	$	13,971		$	-261	$	21,199	$	-286
		31-Dec-14
			Less than 12 months				12 months or longer					Total
			Fair		Unrealized		Fair			Unrealized		Fair		Unrealized
			Value		Losses		Value			Losses		Value		Losses
			(in thousands)
	Available for Sale:
	Debt securities:
	U.S. government agencies	$	3,906	$	-26	$	7,751		$	-249	$	11,657	$	-275
	States and political subdivisions		4,752		-9		1,902			-40		6,654		-49
	Total debt securities	$	8,658	$	-35	$	9,653		$	-289	$	18,311	$	-324
	Mortgage-backed securities:
	FNMA	$	1,498	$	-10	$	1,731		$	-5	$	3,229	$	-15
	FHLMC		-		-		1,482			-64		1,482		-64
	GNMA		-		-		2,079			-27		2,079		-27
	CMO'S		1,722		-11		4,290			-128		6,012		-139
	Total mortgage-backed securities	$	3,220	$	-21	$	9,582		$	-224	$	12,802	$	-245
	Held To Maturity:
	Debt securities:
	States and political subdivisions	$	371	$	-1	$	556		$	-31	$	927	$	-32
	Total temporarily impaired
	securities	$	12,249	$	-57	$	19,791		$	-544	$	32,040	$	-601

Fair_Value_Measurements_Tables

Fair Value Measurements (Tables)	3 Months Ended
	Mar. 31, 2015
Fair Value Measurements [Abstract]
Financial Instruments Measured At Fair Value On Recurring Basis
	(in thousands)		Level 1		Level 2		Level 3		Fair Value
	31-Mar-15
	Securities available-for-sale:
	U.S. government agencies	$	-	$	26,859	$	-	$	26,859
	States and political subdivisions		-		31,929		-		31,929
	Mortgage-backed securities		-		39,605		-		39,605
	Mortgage servicing rights		-		-		497		497
	31-Dec-14
	Securities available-for-sale:
	U.S. government agencies	$	-	$	26,717	$	-	$	26,717
	States and political subdivisions		-		31,060		-		31,060
	Mortgage-backed securities		-		37,756		-		37,756
	Mortgage servicing rights		-		-		518		518
Changes In Fair Value For Mortgage Servicing Rights
		Three months ended March 31,
	(in thousands)	2015		2014
	Mortgage servicing rights - January 1	$	518	$	509
	Gains (losses) included in earnings		-45		-38
	Additions from loan sales		24		-
	Mortgage servicing rights - March 31	$	497	$	471
Quantitative Information About Significant Unobservable Inputs Used In The Fair Value Measurement Of MSRs
		3/31/15		12/31/14
	Servicing fees	0.25	%	0.25	%
	Discount rate	9.52	%	9.52	%
	Prepayment rate (CPR)	9.80	%	9.28	%
Financial Instruments Measured At Fair Value On Nonrecurring Basis
	(in thousands)		Level 1		Level 2		Level 3		Fair Value
	31-Mar-15
	Impaired loans	$	-		-		14,569	$	14,569
	31-Dec-14
	Impaired loans	$	-		-		13,716	$	13,716
Estimated Fair Value Of The Company's Financial Instruments
		31-Mar-15				31-Dec-14
		Carrying		Fair		Carrying		Fair
		Amount		Value		Amount		Value
			(in thousands)				(in thousands)
	Financial assets:
	Level 1:
	Cash and cash equivalents	$	60,694	$	60,694	$	10,898	$	10,898
	Level 2:
	Available for sale securities		98,393		98,393		95,533		95,533
	FHLB and FRB stock		2,308		2,308		2,925		2,925
	Level 3:
	Held to maturity securities		1,588		1,576		1,599		1,574
	Loans and leases, net		688,961		700,338		683,131		685,148
	Mortgage servicing rights		497		497		518		518
	Financial liabilities:
	Level 1:
	Demand deposits	$	169,965	$	169,965	$	158,631	$	158,631
	NOW deposits		82,956		82,956		72,670		72,670
	Regular savings deposits		416,317		416,317		363,542		363,542
	Commitments to extend credit		93		93		245		245
	Securities sold under agreement to
	repurchase		10,673		10,673		13,778		13,778
	Level 2:
	Other borrowed funds		-		-		13,700		13,700
	Junior subordinated debentures		11,330		11,330		11,330		11,330
	Level 3:
	Time deposits		111,120		110,678		112,792		113,854

Loans_And_The_Allowance_For_Lo1

Loans And The Allowance For Loan Losses (Tables)	3 Months Ended
	Mar. 31, 2015
Loans And The Allowance For Loan Losses [Abstract]
Major Categories Of Loans And Leases
		31-Mar-15			31-Dec-14
	Mortgage loans on real estate:		(in thousands)
	Residential Mortgages	$	100,548		$	98,374
	Commercial and multi-family		366,657			363,252
	Construction-Residential		238			721
	Construction-Commercial		39,723			40,986
	Home equities		59,689			59,948
	Total real estate loans		566,855			563,281
	Commercial and industrial loans		132,416			129,456
	Consumer loans		1,704			1,764
	Other		122			404
	Net deferred loan origination costs		641			759
	Total gross loans		701,738			695,664
	Allowance for loan losses		-12,777			-12,533
	Loans, net	$	688,961		$	683,131
Data, At The Class Level, Of Credit Quality Indicators Of Certain Loans And Leases
	31-Mar-15
	(in thousands)
	Corporate Credit Exposure – By Credit Rating	Commercial Real Estate Construction			Commercial and Multi-Family Mortgages			Total Commercial Real Estate			Commercial and Industrial
	3	$	33,644		$	308,059		$	341,703		$	86,254
	4		1,235			42,901			44,136			29,712
	5		4,844			9,974			14,818			8,652
	6		-			5,723			5,723			7,687
	7		-			-			-			111
	Total	$	39,723		$	366,657		$	406,380		$	132,416
	31-Dec-14
	(in thousands)
	Corporate Credit Exposure – By Credit Rating	Commercial Real Estate Construction			Commercial and Multi-Family Mortgages			Total Commercial Real Estate			Commercial and Industrial
	3	$	29,421		$	299,798		$	329,219		$	83,789
	4		10,492			50,691			61,183			30,223
	5		1,073			7,853			8,926			8,662
	6		-			4,757			4,757			6,613
	7		-			153			153			169
	Total	$	40,986		$	363,252		$	404,238		$	129,456
Recorded Investment In Loans And Leases Past Due
	31-Mar-15
	(in thousands)
											Total Past			Current			Total		90+ Days		Non-accruing
		30-59 days			60-89 days			90+ days			Due			Balance			Balance		Accruing		Loans
	Commercial and
	industrial	$	663		$	117		$	25		$	805		$	131,611		$	132,416	$	-	$	6,380
	Residential real estate:
	Residential		345			189			473			1,007			99,541			100,548		-		1,275
	Construction		-			-			-			-			238			238		-		-
	Commercial real estate:
	Commercial		1,923			247			302			2,472			364,185			366,657		192		2,938
	Construction		5,848			-			513			6,361			33,362			39,723		513		-
	Home equities		911			13			279			1,203			58,486			59,689		-		489
	Consumer		15			19			-			34			1,670			1,704		-		17
	Other		-			-			-			-			122			122		-		-
	Total Loans	$	9,705		$	585		$	1,592		$	11,882		$	689,215		$	701,097	$	705	$	11,099
	NOTE: Loan and lease balances do not include $641 thousand in net deferred loan origination costs as of March 31, 2015.
	31-Dec-14
	(in thousands)
											Total Past			Current			Total		90+ Days		Non-accruing
		30-59 days			60-89 days			90+ days			Due			Balance			Balance		Accruing		Loans
	Commercial and
	industrial	$	153		$	60		$	274		$	487		$	128,969		$	129,456	$	-	$	5,500
	Residential real estate:
	Residential		848			158			682			1,688			96,686			98,374		-		1,296
	Construction		-			-			-			-			721			721		-		-
	Commercial real estate:
	Commercial		4,201			3,115			513			7,829			355,423			363,252		-		3,162
	Construction		8			-			201			209			40,777			40,986		201		-
	Home equities		594			120			192			906			59,042			59,948		-		415
	Consumer		13			1			-			14			1,750			1,764		-		17
	Other		-			-			-			-			404			404		-		-
	Total Loans	$	5,817		$	3,454		$	1,862		$	11,133		$	683,772		$	694,905	$	201	$	10,390
	NOTE: Loan and lease balances do not include $759 thousand in net deferred loan origination costs as of December 31, 2014.
Summary Of The Allowance For Loan And Lease Losses By Management Level Segments
	31-Mar-15
	(in thousands)	Commercial and Industrial			Commercial Real Estate Mortgages*			Consumer **			Residential Mortgages*			HELOC			Direct Financing Leases		Unallocated		Total
	Allowance for loan
	losses:
	Beginning balance	$	4,896		$	5,650		$	78		$	941		$	819		$	-	$	149	$	12,533
	Charge-offs		-			-			-6			-			-			-		-		-6
	Recoveries		38			10			1			-			-			-		-		49
	Provision		55			170			-3			-17			-4			-		-		201
	Ending balance	$	4,989		$	5,830		$	70		$	924		$	815		$	-	$	149	$	12,777
	Allowance for loan
	losses:
	Ending balance:
	Individually evaluated
	for impairment	$	978		$	124		$	47		$	3		$	-		$	-	$	-	$	1,152
	Collectively evaluated
	for impairment		4,011			5,706			23			921			815			-		149		11,625
	Total	$	4,989		$	5,830		$	70		$	924		$	815		$	-	$	149	$	12,777
	Loans:
	Ending balance:
	Individually evaluated
	for impairment	$	6,577		$	5,604		$	47		$	2,512		$	981		$	-	$	-	$	15,721
	Collectively evaluated
	for impairment		125,839			400,776			1,779			98,274			58,708			-		-		685,376
	Total	$	132,416		$	406,380		$	1,826		$	100,786		$	59,689		$	-	$	-	$	701,097
	* Includes construction loans
	** Includes all other consumer loans
	NOTE: Loan balances do not include $641 thousand in net deferred loan origination costs as of March 31, 2015.
	31-Mar-14
	(in thousands)	Commercial and Industrial			Commercial Real Estate Mortgages*			Consumer **			Residential Mortgages*			HELOC			Direct Financing Leases		Unallocated		Total
	Allowance for loan
	losses:
	Beginning balance	$	4,489		$	4,912		$	37		$	1,038		$	878		$	-	$	149	$	11,503
	Charge-offs		-57			-			-6			-			-1			-		-		-64
	Recoveries		28			29			2			-			-			83		-		142
	Provision		63			167			3			-1			4			-83		-		153
	Ending balance	$	4,523		$	5,108		$	36		$	1,037		$	881		$	-	$	149	$	11,734
	Allowance for loan
	losses:
	Ending balance:
	Individually evaluated
	for impairment	$	1,182		$	210		$	19		$	-		$	-		$	-	$	-	$	1,411
	Collectively evaluated
	for impairment		3,341			4,898			17			1,037			881			-		149		10,323
	Total	$	4,523		$	5,108		$	36		$	1,037		$	881		$	-	$	149	$	11,734
	Loans:
	Ending balance:
	Individually evaluated
	for impairment	$	4,291		$	11,579		$	19		$	2,100		$	284		$	-	$	-	$	18,273
	Collectively evaluated
	for impairment		106,653			380,194			1,576			96,268			57,080			-		-		641,771
	Total	$	110,944		$	391,773		$	1,595		$	98,368		$	57,364		$	-	$	-	$	660,044
	* Includes construction loans
	** Includes all other consumer loans
	NOTE: Loan balances do not include $651 thousand in net deferred loan origination costs as of March 31, 2014.
Impaired Loans And Leases
			At March 31, 2015
			Recorded Investment			Unpaid Principal Balance			Related Allowance			Average Recorded Investment			Interest Income Foregone			Interest Income Recognized
	With no related allowance recorded:		(in thousands)
	Commercial and industrial	$	1,330		$	1,461		$	-		$	1,416		$	148		$	7
	Residential real estate:
	Residential		2,241			2,419			-			2,253			12			11
	Construction		-			-			-			-			-			-
	Commercial real estate:
	Commercial		1,922			2,016			-			1,956			6			18
	Construction		1,103			1,103			-			1,128			-			12
	Home equities		981			1,025			-			991			6			4
	Consumer		-			-			-			-			-			-
	Other		-			-			-			-			-			-
	Total impaired loans	$	7,577		$	8,024		$	-		$	7,744		$	172		$	52
			At March 31, 2015
			Recorded Investment			Unpaid Principal Balance			Related Allowance			Average Recorded Investment			Interest Income Foregone			Interest Income Recognized
	With a related allowance recorded:		(in thousands)
	Commercial and industrial	$	5,247		$	5,324		$	978		$	5,283		$	75		$	12
	Residential real estate:
	Residential		271			285			3			271			5			-
	Construction		-			-			-			-			-			-
	Commercial real estate:
	Commercial		2,579			2,758			124			2,670			35			-
	Construction		-			-			-			-			-			-
	Home equities		-			-			-			-			-			-
	Consumer		47			60			47			48			1			1
	Other		-			-			-			-			-			-
	Total impaired loans	$	8,144		$	8,427		$	1,152		$	8,272		$	116		$	13
			At March 31, 2015
			Recorded Investment			Unpaid Principal Balance			Related Allowance			Average Recorded Investment			Interest Income Foregone			Interest Income Recognized
	Total:		(in thousands)
	Commercial and industrial	$	6,577		$	6,785		$	978		$	6,699		$	223		$	19
	Residential real estate:
	Residential		2,512			2,704			3			2,524			17			11
	Construction		-			-			-			-			-			-
	Commercial real estate:
	Commercial		4,501			4,774			124			4,626			41			18
	Construction		1,103			1,103			-			1,128			-			12
	Home equities		981			1,025			-			991			6			4
	Consumer		47			60			47			48			1			1
	Other		-			-			-			-			-			-
	Total impaired loans	$	15,721		$	16,451		$	1,152		$	16,016		$	288		$	65
			At December 31, 2014
			Recorded Investment			Unpaid Principal Balance			Related Allowance			Average Recorded Investment			Interest Income Foregone			Interest Income Recognized
	With no related allowance recorded:		(in thousands)
	Commercial and industrial	$	1,017		$	1,022		$	-		$	1,096		$	9		$	66
	Residential real estate:
	Residential		2,264			2,435			-			2,271			37			68
	Construction		-			-			-			-			-			-
	Commercial real estate:
	Commercial		2,103			2,208			-			2,139			33			91
	Construction		1,074			1,074			-			1,169			-			44
	Home equities		911			950			-			917			17			22
	Consumer		-			-			-			-			-			-
	Other		-			-			-			-			-			-
	Total impaired loans	$	7,369		$	7,689		$	-		$	7,592		$	96		$	291
			At December 31, 2014
			Recorded Investment			Unpaid Principal Balance			Related Allowance			Average Recorded Investment			Interest Income Foregone			Interest Income Recognized
	With a related allowance recorded:		(in thousands)
	Commercial and industrial	$	4,701		$	4,734		$	988		$	4,701		$	64		$	234
	Residential real estate:
	Residential		271			285			3			271			20			-
	Construction		-			-			-			-			-			-
Commercial real estate:
Commercial		2,640			2,785			274			2,708			96			50
Construction		-			-			-			-			-			-
Home equities		-			-			-			-			-			-
Consumer		48			60			48			49			5			6
Other		-			-			-			-			-			-
Total impaired loans	$	7,660		$	7,864		$	1,313		$	7,729		$	185		$	290
		At December 31, 2014
		Recorded Investment			Unpaid Principal Balance			Related Allowance			Average Recorded Investment			Interest Income Foregone			Interest Income Recognized
Total:		(in thousands)
Commercial and industrial	$	5,718		$	5,756		$	988		$	5,797		$	73		$	300
Residential real estate:
Residential		2,535			2,720			3			2,542			57			68
Construction		-			-			-			-			-			-
Commercial real estate:
Commercial		4,743			4,993			274			4,847			129			141
Construction		1,074			1,074			-			1,169			-			44
Home equities		911			950			-			917			17			22
Consumer		48			60			48			49			5			6
Other		-			-			-			-			-			-
Total impaired loans	$	15,029		$	15,553		$	1,313		$	15,321		$	281		$	581
Non-Accrual Loans And Leases And Loans And Leases 90 Days Or More Past Due
		31-Mar-15			31-Dec-14
			(in thousands)
	Non-accruing loans:
	Commercial and industrial loans	$	6,380		$	5,500
	Residential real estate:
	Residential		1,275			1,296
	Construction		-			-
	Commercial real estate:
	Commercial and multi-family		2,938			3,162
	Construction		-			-
	Home equities		489			415
	Consumer loans		17			17
	Other		-			-
	Total non-accruing loans	$	11,099		$	10,390
	Accruing loans 90+ days past due		705			201
	Total non-performing loans	$	11,804		$	10,591
	Total non-performing loans
	to total assets		1.31	%		1.25	%
	Total non-performing loans
	to total loans		1.68	%		1.52	%
Troubled Debt Restructured Loans And Leases
			31-Mar-15
			($ in thousands)
			Total			Nonaccruing			Accruing			Related Allowance
	Commercial and industrial	$	874		$	677		$	197		$	200
	Residential real estate:
	Residential		1,824			586			1,238			-
	Construction		-			-			-			-
	Commercial real estate:
	Commercial and multi family		2,238			675			1,563			33
	Construction		1,103			-			1,103			-
	Home equities		719			228			491			-
	Consumer loans		30			-			30			30
	Other		-			-			-			-
	Total troubled restructured loans	$	6,788		$	2,166		$	4,622		$	263
			31-Dec-14
			($ in thousands)
			Total			Nonaccruing			Accruing			Related Allowance
	Commercial and industrial	$	492		$	274		$	218		$	173
	Residential real estate:
	Residential		1,833			594			1,239			-
	Construction		-			-			-			-
	Commercial real estate:
	Commercial and multi family		2,428			847			1,581			33
	Construction		1,074			-			1,074			-
	Home equities		728			233			495			-
	Consumer loans		31			-			31			31
	Other		-			-			-			-
	Total troubled restructured loans	$	6,586		$	1,948		$	4,638		$	237
Troubled Debt Restructurings Activity
		Three months ended March 31, 2015								Three months ended March 31, 2014
		($ in thousands)								($ in thousands)
	Troubled Debt Restructurings by Type of Concession	Number of Contracts			Pre-Modification Outstanding Recorded Investment			Post-Modification Outstanding Recorded Investment		Number of Contracts			Pre-Modification Outstanding Recorded Investment			Post-Modification Outstanding Recorded Investment
	Commercial and Industrial:
	Deferral of principal	3		$	541		$	541		-		$	-		$	-
	Residential Real Estate & Construction:
	Deferral of principal	-			-			-		-			-			-
	Commercial Real Estate & Construction
	Deferral of principal	-			-			-		-			-			-
	Home Equities:
	Deferral of principal	-			-			-		-			-			-
	Consumer loans	-			-			-		-			-			-
	Other	-			-			-		-			-			-
Troubled Debt Restructurings On Financing Receivables That Subsequently Defaulted
		Three months ended March 31, 2015					Three months ended March 31, 2014
		($ in thousands)					($ in thousands)
	Troubled Debt Restructurings	Number of		Recorded			Number of		Recorded
	That Subsequently Defaulted	Contracts		Investment			Contracts		Investment
	Commercial and Industrial	-		$	-		-		$	-
	Residential Real Estate:
	Residential	-			-		-			-
	Construction	-			-		-			-
	Commercial Real Estate:
	Commercial and Multi-Family	-			-		-			-
	Construction	-			-		-			-
	Home Equities	1			19		-			-
	Consumer loans	-			-		-			-
	Other	-			-		-			-

Other_Comprehensive_Income_Tab

Other Comprehensive Income (Tables)	3 Months Ended
	Mar. 31, 2015
Other Comprehensive Income [Abstract]
Schedule of Accumulated Other Comprehensive Income (Loss)
		Balance at December 31, 2014		Net Change		Balance at March 31, 2015
		(in thousands)
	Net unrealized gain (loss) on investment securities	$	911	$	331	$	1,242
	Net defined benefit pension plans adjustments		-2,419		29		-2,390
	Total	$	-1,508	$	360	$	-1,148
		Balance at December 31, 2013		Net Change		Balance at March 31, 2014
		(in thousands)
	Net unrealized gain (loss) on investment securities	$	191	$	361	$	552
	Net defined benefit pension plans adjustments		-1,454		21		-1,433
	Total	$	-1,263	$	382	$	-881
Components Of Other Comprehensive Income (Loss)
		Three months ended March 31, 2015						Three months ended March 31, 2014
		(in thousands)						(in thousands)
		Before-Tax Amount		Income Tax (Provision) Benefit		Net-of-Tax Amount		Before-Tax Amount		Income Tax (Provision) Benefit		Net-of-Tax Amount
	Unrealized loss on investment securities:
	Unrealized gain (loss) on investment securities	$	541	$	-210	$	331	$	588	$	-227	$	361
	Reclassification from accumulated other
	comprehensive income for gains (losses)		-		-		-		-		-		-
	Net change		541		-210		331		588		-227		361
	Defined benefit pension plans adjustments:
	Net actuarial (loss) gain	$	-	$	-	$	-	$	-	$	-	$	-
	Reclassifications from accumulated other
	comprehensive income for gains (losses)
	Amortization of prior service cost (a)		7		-2		5		8		-3		5
	Amortization of actuarial loss (a)		48		-24		24		26		-10		16
	Net change		55		-26		29		34		-13		21
	Other Comprehensive Income (Loss)	$	596	$	-236	$	360	$	622	$	-240	$	382
	(a)   Included in net periodic pension cost, as described in Note 9 – “Net Periodic Benefit Costs”

Segment_Information_Tables

Segment Information (Tables)	3 Months Ended
	Mar. 31, 2015
Segment Information [Abstract]
Business Segment Information
		Three months ended March 31, 2015
			Banking		Insurance Agency
			Activities		Activities		Total
			(in thousands)
	Net interest income (expense)	$	7,609	$	-28	$	7,581
	Provision for loan and lease losses		201		-		201
	Net interest income (expense) after
	provision for loan and lease losses		7,408		-28		7,380
	Non-interest income		1,237		-		1,237
	Insurance service and fees		162		1,667		1,829
	Net gain on sales and calls of securities		-		-		-
	Amortization expense		-		-		-
	Non-interest expense		6,481		1,031		7,512
	Income before income taxes		2,326		608		2,934
	Income tax provision		794		235		1,029
	Net income	$	1,532	$	373	$	1,905
		Three months ended March 31, 2014
			Banking		Insurance Agency
			Activities		Activities		Total
			(in thousands)
	Net interest income (expense)	$	7,326	$	-28	$	7,298
	Provision for loan and lease losses		153		-		153
	Net interest income (expense) after
	provision for loan and lease losses		7,173		-28		7,145
	Non-interest income		1,263		-		1,263
	Insurance service and fees		152		1,980		2,132
	Net gain on sales and calls of securities		-		-		-
	Amortization expense		-		41		41
	Non-interest expense		6,477		1,100		7,577
	Income before income taxes		2,111		811		2,922
	Income tax provision		596		313		909
	Net income	$	1,515	$	498	$	2,013

Contingent_Liabilities_And_Com1

Contingent Liabilities And Commitments (Tables)	3 Months Ended
	Mar. 31, 2015
Contingent Liabilities And Commitments [Abstract]
Summary Of Commitments And Contingent Liabilities
		March 31,		December 31,
		2015		2014
		(in thousands)
	Commitments to extend credit	$	234,311	$	212,193
	Standby letters of credit		2,767		2,430
	Total	$	237,078	$	214,623

Net_Periodic_Benefit_Costs_Tab

Net Periodic Benefit Costs (Tables)	3 Months Ended
	Mar. 31, 2015
Net Periodic Benefit Costs [Abstract]
Schedule Of Net Periodic Benefit Costs
			Three months ended March 31,
			(in thousands)
						Supplemental Executive
		Pension Benefits				Retirement Plan
		2015		2014		2015		2014
	Service cost	$	-	$	-	$	48	$	42
	Interest cost		51		51		37		40
	Expected return on plan assets		-77		-76		-		-
	Amortization of prior service cost		-		-		7		8
	Amortization of the net loss		17		5		31		21
	Net periodic cost (benefit)	$	-9	$	-20	$	123	$	111

Organization_And_Summary_Of_Si1

Organization And Summary Of Significant Accounting Policies (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Depreciation and amortization	$356	$422
Change in other assets	-327	377
Change in other liabilities	-592	-1,069
Scenario, Adjustment [Member]
Depreciation and amortization	40
Change in other assets	236
Change in other liabilities	$276

Securities_Narrative_Details

Securities (Narrative) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
Securities [Abstract]
Available for sale securities pledged as collateral	$85,600,000	$68,800,000
Borrowed funds with FHLBNY	0	13,700,000
FHLB stock	$822,000	$1,439,000

Securities_Schedule_Of_Amortiz

Securities (Schedule Of Amortized Cost And Fair Value Of Securities) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Investments In Debt And Marketable Equity Securities [Line Items]
Available-for-sale Securities, Amortized Cost	$96,367	$94,048
Available-for-sale Securities, Unrealized Gains	2,287	2,054
Available-for-sale Securities, Unrealized Losses	-261	-569
Available-for-sale securities, Fair value	98,393	95,533
Held-to-maturity Securities, Amortized Cost	1,588	1,599
Held-to-maturity Securities, Unrealized Gains	13	7
Held-to-maturity Securities, Unrealized Losses	-25	-32
Held-to-maturity securities, Fair value	1,576	1,574
US Government Agencies Debt Securities [Member]
Investments In Debt And Marketable Equity Securities [Line Items]
Available-for-sale Securities, Amortized Cost	26,593	26,687
Available-for-sale Securities, Unrealized Gains	388	305
Available-for-sale Securities, Unrealized Losses	-122	-275
Available-for-sale securities, Fair value	26,859	26,717
States and Political Subdivisions Debt Securities [Member]
Investments In Debt And Marketable Equity Securities [Line Items]
Available-for-sale Securities, Amortized Cost	30,988	30,182
Available-for-sale Securities, Unrealized Gains	969	927
Available-for-sale Securities, Unrealized Losses	-28	-49
Available-for-sale securities, Fair value	31,929	31,060
Held-to-maturity Securities, Amortized Cost	1,588	1,599
Held-to-maturity Securities, Unrealized Gains	13	7
Held-to-maturity Securities, Unrealized Losses	-25	-32
Held-to-maturity securities, Fair value	1,576	1,574
Debt Securities [Member]
Investments In Debt And Marketable Equity Securities [Line Items]
Available-for-sale Securities, Amortized Cost	57,581	56,869
Available-for-sale Securities, Unrealized Gains	1,357	1,232
Available-for-sale Securities, Unrealized Losses	-150	-324
Available-for-sale securities, Fair value	58,788	57,777
FNMA [Member]
Investments In Debt And Marketable Equity Securities [Line Items]
Available-for-sale Securities, Amortized Cost	14,101	14,653
Available-for-sale Securities, Unrealized Gains	578	516
Available-for-sale Securities, Unrealized Losses		-15
Available-for-sale securities, Fair value	14,679	15,154
FHLMC [Member]
Investments In Debt And Marketable Equity Securities [Line Items]
Available-for-sale Securities, Amortized Cost	5,620	5,901
Available-for-sale Securities, Unrealized Gains	131	121
Available-for-sale Securities, Unrealized Losses	-46	-64
Available-for-sale securities, Fair value	5,705	5,958
GNMA [Member]
Investments In Debt And Marketable Equity Securities [Line Items]
Available-for-sale Securities, Amortized Cost	8,276	6,014
Available-for-sale Securities, Unrealized Gains	133	143
Available-for-sale Securities, Unrealized Losses	-9	-27
Available-for-sale securities, Fair value	8,400	6,130
CMO [Member]
Investments In Debt And Marketable Equity Securities [Line Items]
Available-for-sale Securities, Amortized Cost	10,789	10,611
Available-for-sale Securities, Unrealized Gains	88	42
Available-for-sale Securities, Unrealized Losses	-56	-139
Available-for-sale securities, Fair value	10,821	10,514
Mortgage-backed Securities [Member]
Investments In Debt And Marketable Equity Securities [Line Items]
Available-for-sale Securities, Amortized Cost	38,786	37,179
Available-for-sale Securities, Unrealized Gains	930	822
Available-for-sale Securities, Unrealized Losses	-111	-245
Available-for-sale securities, Fair value	$39,605	$37,756

Securities_Scheduled_Maturitie

Securities (Scheduled Maturities Of Debt And Mortgage Backed Securities) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Securities [Abstract]
Debt securities available for sale, Due in one year or less, Amortized cost	$8,033	$8,172
Debt securities available for sale, Due after one year through five years, Amortized cost	23,284	22,118
Debt securities available for sale, Due after five years through ten years, Amortized cost	19,310	20,517
Debt securities available for sale, Due after ten years, Amortized cost	6,954	6,062
Debt securities available for sale, Amortized cost	57,581	56,869
Mortgage-backed securities available for sale, Amortized cost	38,786	37,179
Available-for-sale securities, Amortized cost	96,367	94,048
Debt securities available for sale, Due in one year or less, Fair value	8,084	8,256
Debt securities available for sale, Due after one year through five years, Fair value	23,893	22,597
Debt securities available for sale, Due after five years through ten years, Fair value	19,590	20,589
Debt securities available for sale, Due after ten years, Fair value	7,221	6,335
Debt securities available for sale, Fair value	58,788	57,777
Mortgage-backed securities available for sale, Fair value	39,605	37,756
Available-for-sale securities, Fair value	98,393	95,533
Debt securities held to maturity, Due in one year or less, Amortized cost	478	478
Debt securities held to maturity, Due after one year through five years, Amortized cost	66	77
Debt securities held to maturity, Due after five years through ten years, Amortized cost	932	932
Debt securities held to maturity, Due after ten years, Amortized cost	112	112
Held to maturity securities Amortized cost	1,588	1,599
Debt securities held to maturity, Due in one year or less, Fair value	478	477
Debt securites held to maturity, Due after one year through five years, Fair value	67	78
Debt securites held to maturity, Due after five years through ten years, Fair Value	924	914
Debt securities held to maturity, Due after ten years, Fair value	107	105
Held-to-maturity securities, Fair value	$1,576	$1,574

Securities_Unrealized_Losses_O

Securities (Unrealized Losses On Available For Sale Securities) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Investments In Debt And Marketable Equity Securities [Line Items]
Total temporarily impaired, Less than 12 months, Fair value	$7,228	$12,249
Total temporarily impaired, More than 12 months, Fair Value	13,971	19,791
Total temporarily impaired, Total, Fair value	21,199	32,040
Total temporarily impaired, Less than 12 months, Unrealized losses	-25	-57
Total temporarily impaired, More than 12 months, Unrealized losses	-261	-544
Total temporarily impaired, Total, Unrealized losses	-286	-601
US Government Agencies Debt Securities [Member]
Investments In Debt And Marketable Equity Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	1,991	3,906
Available for Sale, 12 months or longer, Fair Value	5,887	7,751
Available for Sale, Total, Fair Value	7,878	11,657
Available for sale, Less than 12 months, Unrealized losses	-9	-26
Available for sale, 12 months or more, Unrealized losses	-113	-249
Available for sale, Total, Unrealized losses	-122	-275
States and Political Subdivisions Debt Securities [Member]
Investments In Debt And Marketable Equity Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	1,989	4,752
Available for Sale, 12 months or longer, Fair Value	1,130	1,902
Available for Sale, Total, Fair Value	3,119	6,654
Available for sale, Less than 12 months, Unrealized losses	-10	-9
Available for sale, 12 months or more, Unrealized losses	-18	-40
Available for sale, Total, Unrealized losses	-28	-49
Held To Maturity, Less than 12 months, Fair Value	371	371
Held To Maturity, 12 months or longer, Fair Value	473	556
Held To Maturity, Total, Fair Value	844	927
Held to maturity, Less than 12 months, Unrealized losses	-1	-1
Held to maturity, 12 months or more, Unrealized losses	-24	-31
Held to maturity, Total, Unrealized losses	-25	-32
Debt Securities [Member]
Investments In Debt And Marketable Equity Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	3,980	8,658
Available for Sale, 12 months or longer, Fair Value	7,017	9,653
Available for Sale, Total, Fair Value	10,997	18,311
Available for sale, Less than 12 months, Unrealized losses	-19	-35
Available for sale, 12 months or more, Unrealized losses	-131	-289
Available for sale, Total, Unrealized losses	-150	-324
FNMA [Member]
Investments In Debt And Marketable Equity Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value		1,498
Available for Sale, 12 months or longer, Fair Value		1,731
Available for Sale, Total, Fair Value		3,229
Available for sale, Less than 12 months, Unrealized losses		-10
Available for sale, 12 months or more, Unrealized losses		-5
Available for sale, Total, Unrealized losses		-15
FHLMC [Member]
Investments In Debt And Marketable Equity Securities [Line Items]
Available for Sale, 12 months or longer, Fair Value	1,454	1,482
Available for Sale, Total, Fair Value	1,454	1,482
Available for sale, 12 months or more, Unrealized losses	-46	-64
Available for sale, Total, Unrealized losses	-46	-64
GNMA [Member]
Investments In Debt And Marketable Equity Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	1,207
Available for Sale, 12 months or longer, Fair Value	795	2,079
Available for Sale, Total, Fair Value	2,002	2,079
Available for sale, Less than 12 months, Unrealized losses	-1
Available for sale, 12 months or more, Unrealized losses	-8	-27
Available for sale, Total, Unrealized losses	-9	-27
CMO [Member]
Investments In Debt And Marketable Equity Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	1,670	1,722
Available for Sale, 12 months or longer, Fair Value	4,232	4,290
Available for Sale, Total, Fair Value	5,902	6,012
Available for sale, Less than 12 months, Unrealized losses	-4	-11
Available for sale, 12 months or more, Unrealized losses	-52	-128
Available for sale, Total, Unrealized losses	-56	-139
Mortgage-backed Securities [Member]
Investments In Debt And Marketable Equity Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	2,877	3,220
Available for Sale, 12 months or longer, Fair Value	6,481	9,582
Available for Sale, Total, Fair Value	9,358	12,802
Available for sale, Less than 12 months, Unrealized losses	-5	-21
Available for sale, 12 months or more, Unrealized losses	-106	-224
Available for sale, Total, Unrealized losses	($111)	($245)

Fair_Value_Measurements_Narrat

Fair Value Measurements (Narrative) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Dec. 31, 2014
Fair Value Measurements [Line Items]
Impaired loans	15,721	$15,029
Impaired loans, related allowance	1,152	$1,313
Minimum [Member]
Fair Value Measurements [Line Items]
Discount on appraisals of the collateral securing the loan, range	10.00%
Maximum [Member]
Fair Value Measurements [Line Items]
Discount on appraisals of the collateral securing the loan, range	50.00%

Fair_Value_Measurements_Financ

Fair Value Measurements (Financial Instruments Measured At Fair Value On Recurring Basis) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities	$98,393	$95,533
Mortgage servicing rights	497	518
Fair Value, Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage servicing rights
Fair Value, Significant unobservable inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage servicing rights	497	518
US Government Agencies Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities	26,859	26,717
US Government Agencies Debt Securities [Member] | Fair Value, Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities
US Government Agencies Debt Securities [Member] | Fair Value, Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities	26,859	26,717
States and Political Subdivisions Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities	31,929	31,060
States and Political Subdivisions Debt Securities [Member] | Fair Value, Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities
States and Political Subdivisions Debt Securities [Member] | Fair Value, Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities	31,929	31,060
Mortgage-backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities	39,605	37,756
Mortgage-backed Securities [Member] | Fair Value, Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities
Mortgage-backed Securities [Member] | Fair Value, Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities	$39,605	$37,756

Fair_Value_Measurements_Change

Fair Value Measurements (Changes In Fair Value For Mortgage Servicing Rights) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Fair Value Measurements [Abstract]
Mortgage servicing rights - Beginning Balance	$518	$509
Gains (losses) included in earnings	-45	-38
Additions from loan sales	24
Mortgage servicing rights - Ending Balance	$497	$471

Fair_Value_Measurements_Quanti

Fair Value Measurements (Quantitative Information About Significant Unobservable Inputs Used In The Fair Value Measurement Of MSRs) (Details)	3 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Fair Value Measurements [Abstract]
Servicing fees	0.25%	0.25%
Discount rate	9.52%	9.52%
Prepayment rate (CPR)	9.80%	9.28%

Fair_Value_Measurements_Financ1

Fair Value Measurements (Financial Instruments Measured At Fair Value On Nonrecurring Basis) (Details) (Fair Value, Measurements, Nonrecurring Basis [Member], USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	$14,569	$13,716
Fair Value, Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans
Fair Value, Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans
Fair Value, Significant unobservable inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	$14,569	$13,716

Fair_Value_Measurements_Estima

Fair Value Measurements (Estimated Fair Value Of The Company's Financial Instruments) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Level 2, Financial assets:
Available-for-sale Securities	$98,393	$95,533
Level 3, Financial assets:
Held-to-maturity Securities, Fair Value	1,576	1,574
Loans and leases, net	688,961	683,131
Mortgage servicing rights	497	518
Level 1, Financial Liabilities:
Demand deposits	169,965	158,631
NOW deposits	82,956	72,670
Regular savings deposits	416,317	363,542
Securities sold under agreement to repurchase	10,673	13,778
Level 3, Financial Liabilities:
Time deposits	111,120	112,792
Fair Value, Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Level 3, Financial assets:
Mortgage servicing rights
Fair Value, Significant unobservable inputs (Level 3) [Member]
Level 3, Financial assets:
Mortgage servicing rights	497	518
Carrying Amount [Member] | Fair Value, Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Level 1, Financial assets:
Cash and cash equivalents	60,694	10,898
Level 1, Financial Liabilities:
Demand deposits	169,965	158,631
NOW deposits	82,956	72,670
Regular savings deposits	416,317	363,542
Commitments to extend credit	93	245
Securities sold under agreement to repurchase	10,673	13,778
Carrying Amount [Member] | Fair Value, Significant Other Observable Inputs (Level 2) [Member]
Level 2, Financial assets:
Available-for-sale Securities	98,393	95,533
FHLB and FRB stock	2,308	2,925
Level 2, Financial Liabilities:
Other borrowed funds		13,700
Junior subordinated debentures	11,330	11,330
Carrying Amount [Member] | Fair Value, Significant unobservable inputs (Level 3) [Member]
Level 3, Financial assets:
Held-to-maturity Securities, Fair Value	1,588	1,599
Loans and leases, net	688,961	683,131
Mortgage servicing rights	497	518
Level 3, Financial Liabilities:
Time deposits	111,120	112,792
Fair Value [Member] | Fair Value, Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Level 1, Financial assets:
Cash and cash equivalents	60,694	10,898
Level 1, Financial Liabilities:
Demand deposits	169,965	158,631
NOW deposits	82,956	72,670
Regular savings deposits	416,317	363,542
Commitments to extend credit	93	245
Securities sold under agreement to repurchase	10,673	13,778
Fair Value [Member] | Fair Value, Significant Other Observable Inputs (Level 2) [Member]
Level 2, Financial assets:
Available-for-sale Securities	98,393	95,533
FHLB and FRB stock	2,308	2,925
Level 2, Financial Liabilities:
Other borrowed funds		13,700
Junior subordinated debentures	11,330	11,330
Fair Value [Member] | Fair Value, Significant unobservable inputs (Level 3) [Member]
Level 3, Financial assets:
Held-to-maturity Securities, Fair Value	1,576	1,574
Loans and leases, net	700,338	685,148
Mortgage servicing rights	497	518
Level 3, Financial Liabilities:
Time deposits	$110,678	$113,854

Loans_And_The_Allowance_For_Lo2

Loans And The Allowance For Loan Losses (Narrative) (Details) (USD $)	3 Months Ended
	Mar. 31, 2015	Mar. 31, 2014	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans and leases, restructured and deemed to be a TDR	$6,788,000		$6,586,000
Troubled restructured loans and leases, Nonaccruing	2,166,000		1,948,000
Period of timely payments before reversion to accruing status, months	6 months
Residential Real Estate Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unpaid principal balance	72,200,000		71,600,000
Mortgages sold to FNMA	2,600,000	0
Mortgage servicing rights	500,000		500,000
Mortgage loans held-for-sale	2,800,000		400,000
Commercial Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans held-for-sale	$0		$0

Loans_And_The_Allowance_For_Lo3

Loans And The Allowance For Loan Losses (Major Categories Of Loans And Leases) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014	Mar. 31, 2014
In Thousands, unless otherwise specified
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total real estate loans	$566,855	$563,281
Commercial and industrial loans	132,416	129,456
Consumer loans	1,704	1,764
Other	122	404
Net deferred loan origination costs	641	759	651
Total gross loans	701,738	695,664
Allowance for loan losses	-12,777	-12,533
Loans, net	688,961	683,131
Residential Real Estate Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total real estate loans	100,548	98,374
Commercial And Multi-Family [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total real estate loans	366,657	363,252
Construction-Residential [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total real estate loans	238	721
Construction-Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total real estate loans	39,723	40,986
Home Equity Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total real estate loans	$59,689	$59,948

Loans_And_The_Allowance_For_Lo4

Loans And The Allowance For Loan Losses (Data, At The Class Level, Of Credit Quality Indicators Of Certain Loans And Leases) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	$701,097	$694,905
Commercial Real Estate: Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	39,723	40,986
Commercial Real Estate: Construction [Member] | Corporate Credit ExposurebBy Credit Rating 3 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	33,644	29,421
Commercial Real Estate: Construction [Member] | Corporate Credit ExposurebBy Credit Rating 4 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	1,235	10,492
Commercial Real Estate: Construction [Member] | Corporate Credit ExposurebBy Credit Rating 5 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	4,844	1,073
Commercial Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	366,657	363,252
Commercial Real Estate Mortgages [Member] | Corporate Credit ExposurebBy Credit Rating 3 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	308,059	299,798
Commercial Real Estate Mortgages [Member] | Corporate Credit ExposurebBy Credit Rating 4 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	42,901	50,691
Commercial Real Estate Mortgages [Member] | Corporate Credit ExposurebBy Credit Rating 5 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	9,974	7,853
Commercial Real Estate Mortgages [Member] | Corporate Credit ExposurebBy Credit Rating 6 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	5,723	4,757
Commercial Real Estate Mortgages [Member] | Corporate Credit ExposurebBy Credit Rating 7 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans		153
Commercial Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	406,380	404,238
Commercial Loans [Member] | Corporate Credit ExposurebBy Credit Rating 3 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	341,703	329,219
Commercial Loans [Member] | Corporate Credit ExposurebBy Credit Rating 4 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	44,136	61,183
Commercial Loans [Member] | Corporate Credit ExposurebBy Credit Rating 5 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	14,818	8,926
Commercial Loans [Member] | Corporate Credit ExposurebBy Credit Rating 6 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	5,723	4,757
Commercial Loans [Member] | Corporate Credit ExposurebBy Credit Rating 7 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans		153
Commercial And Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	132,416	129,456
Commercial And Industrial [Member] | Corporate Credit ExposurebBy Credit Rating 3 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	86,254	83,789
Commercial And Industrial [Member] | Corporate Credit ExposurebBy Credit Rating 4 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	29,712	30,223
Commercial And Industrial [Member] | Corporate Credit ExposurebBy Credit Rating 5 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	8,652	8,662
Commercial And Industrial [Member] | Corporate Credit ExposurebBy Credit Rating 6 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	7,687	6,613
Commercial And Industrial [Member] | Corporate Credit ExposurebBy Credit Rating 7 [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	$111	$169

Loans_And_The_Allowance_For_Lo5

Loans And The Allowance For Loan Losses (Recorded Investment In Loans And Leases Past Due) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014	Mar. 31, 2014
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 days	$9,705	$5,817
60-89 days	585	3,454
90+ days	1,592	1,862
Total Past Due	11,882	11,133
Current Balance	689,215	683,772
Total gross loans	701,097	694,905
90+ Days Accruing	705	201
Non-accruing Loans and Leases	11,099	10,390
Net deferred loan origination costs	641	759	651
Commercial And Industrial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 days	663	153
60-89 days	117	60
90+ days	25	274
Total Past Due	805	487
Current Balance	131,611	128,969
Total gross loans	132,416	129,456
Non-accruing Loans and Leases	6,380	5,500
Residential Real Estate: Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 days	345	848
60-89 days	189	158
90+ days	473	682
Total Past Due	1,007	1,688
Current Balance	99,541	96,686
Total gross loans	100,548	98,374
Non-accruing Loans and Leases	1,275	1,296
Residential Real Estate: Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current Balance	238	721
Total gross loans	238	721
Non-accruing Loans and Leases
Commercial Real Estate: Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 days	1,923	4,201
60-89 days	247	3,115
90+ days	302	513
Total Past Due	2,472	7,829
Current Balance	364,185	355,423
Total gross loans	366,657	363,252
90+ Days Accruing	192
Non-accruing Loans and Leases	2,938	3,162
Commercial Real Estate: Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 days	5,848	8
90+ days	513	201
Total Past Due	6,361	209
Current Balance	33,362	40,777
Total gross loans	39,723	40,986
90+ Days Accruing	513	201
Non-accruing Loans and Leases
Home Equity Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 days	911	594
60-89 days	13	120
90+ days	279	192
Total Past Due	1,203	906
Current Balance	58,486	59,042
Total gross loans	59,689	59,948
Non-accruing Loans and Leases	489	415
Consumer Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 days	15	13
60-89 days	19	1
Total Past Due	34	14
Current Balance	1,670	1,750
Total gross loans	1,704	1,764
Non-accruing Loans and Leases	17	17
Other [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current Balance	122	404
Total gross loans	122	404
Non-accruing Loans and Leases

Loans_And_The_Allowance_For_Lo6

Loans And The Allowance For Loan Losses (Summary Of The Allowance For Loan And Lease Losses By Management Level Segments) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015		Mar. 31, 2014		Dec. 31, 2014
Allowance for loan and lease losses:
Beginning balance	$12,533		$11,503
Charge-offs	-6		-64
Recoveries	49		142
Provision for loan losses	201		153
Ending balance	12,777		11,734
Individually evaluated for impairment	1,152		1,411
Collectively evaluated for impairment	11,625		10,323
Allowance for loan and lease losses, Total	12,777		11,734
Loans and leases:
Individually evaluated for impairment	15,721		18,273
Collectively evaluated for impairment	685,376		641,771
Loans and leases, Total	701,097		660,044
Net deferred loan origination costs	641		651		759
Commercial And Industrial [Member]
Allowance for loan and lease losses:
Beginning balance	4,896		4,489
Charge-offs			-57
Recoveries	38		28
Provision for loan losses	55		63
Ending balance	4,989		4,523
Individually evaluated for impairment	978		1,182
Collectively evaluated for impairment	4,011		3,341
Allowance for loan and lease losses, Total	4,989		4,523
Loans and leases:
Individually evaluated for impairment	6,577		4,291
Collectively evaluated for impairment	125,839		106,653
Loans and leases, Total	132,416		110,944
Commercial Real Estate Mortgages [Member]
Allowance for loan and lease losses:
Beginning balance	5,650	[1]	4,912	[1]
Recoveries	10	[1]	29	[1]
Provision for loan losses	170	[1]	167	[1]
Ending balance	5,830	[1]	5,108	[1]
Individually evaluated for impairment	124	[1]	210	[1]
Collectively evaluated for impairment	5,706	[1]	4,898	[1]
Allowance for loan and lease losses, Total	5,830	[1]	5,108	[1]
Loans and leases:
Individually evaluated for impairment	5,604	[1]	11,579	[1]
Collectively evaluated for impairment	400,776	[1]	380,194	[1]
Loans and leases, Total	406,380	[1]	391,773	[1]
Consumer Loans [Member]
Allowance for loan and lease losses:
Beginning balance	78	[2]	37	[2]
Charge-offs	-6	[2]	-6	[2]
Recoveries	1	[2]	2	[2]
Provision for loan losses	-3	[2]	3	[2]
Ending balance	70	[2]	36	[2]
Individually evaluated for impairment	47	[2]	19	[2]
Collectively evaluated for impairment	23	[2]	17	[2]
Allowance for loan and lease losses, Total	70	[2]	36	[2]
Loans and leases:
Individually evaluated for impairment	47	[2]	19	[2]
Collectively evaluated for impairment	1,779	[2]	1,576	[2]
Loans and leases, Total	1,826	[2]	1,595	[2]
Residential Real Estate Mortgages [Member]
Allowance for loan and lease losses:
Beginning balance	941	[1]	1,038	[1]
Provision for loan losses	-17	[1]	-1	[1]
Ending balance	924	[1]	1,037	[1]
Individually evaluated for impairment	3	[1]
Collectively evaluated for impairment	921	[1]	1,037	[1]
Allowance for loan and lease losses, Total	924	[1]	1,037	[1]
Loans and leases:
Individually evaluated for impairment	2,512	[1]	2,100	[1]
Collectively evaluated for impairment	98,274	[1]	96,268	[1]
Loans and leases, Total	100,786	[1]	98,368	[1]
Home Equity Loans [Member]
Allowance for loan and lease losses:
Beginning balance	819		878
Charge-offs			-1
Provision for loan losses	-4		4
Ending balance	815		881
Collectively evaluated for impairment	815		881
Allowance for loan and lease losses, Total	815		881
Loans and leases:
Individually evaluated for impairment	981		284
Collectively evaluated for impairment	58,708		57,080
Loans and leases, Total	59,689		57,364
Direct Financing Leases [Member]
Allowance for loan and lease losses:
Recoveries			83
Provision for loan losses			-83
Unallocated [Member]
Allowance for loan and lease losses:
Beginning balance	149		149
Charge-offs
Recoveries
Provision for loan losses
Ending balance	149		149
Individually evaluated for impairment
Collectively evaluated for impairment	149		149
Allowance for loan and lease losses, Total	149		149
Loans and leases:
Individually evaluated for impairment
Collectively evaluated for impairment
Loans and leases, Total
[1]	Includes construction loans
[2]	Includes all other consumer loans

Loans_And_The_Allowance_For_Lo7

Loans And The Allowance For Loan Losses (Impaired Loans And Leases) (Details) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Dec. 31, 2014
Impaired Financing Receivable, Recorded Investment
Impaired loans, Recorded Investment, With no related allowance recorded	$7,577	$7,369
Impaired loans, Recorded Investment, With a related allowance recorded	8,144	7,660
Impaired loans, Recorded Investment, Total	15,721	15,029
Impaired Financing Receivable, Unpaid Principal Balance
Impaired loans, Unpaid Principal Balance, With no related allowance recorded	8,024	7,689
Impaired loans, Unpaid Principal Balance, With a related allowance recorded	8,427	7,864
Impaired loans, Unpaid Principal Balance, Total	16,451	15,553
Impaired Financing Receivable Related Allowance
Impaired loans, Related Allowance	1,152	1,313
Impaired Financing Receivable, Average Recorded Investment
Impaired loans, Average Recorded Investment, With no related allowance recorded	7,744	7,592
Impaired loans, Average Recorded Investment, With a related allowance recorded	8,272	7,729
Impaired loans, Average Recorded Investment, Total	16,016	15,321
Impaired Financing Receivable, Interest Income Foregone
Impaired Loans, Interest Income Foregone, With no related allowance recorded	172	96
Impaired Loans, Interest Income Foregone, With a related allowance recorded	116	185
Impaired Loans, Interest Income Foregone, Total	288	281
Impaired Financing Receivable, Interest Income Recognized
Impaired Loans, Interest Income Recognized, With no related allowance recorded	52	291
Impaired Loans, Interest Income Recognized, With a related allowance recorded	13	290
Impaired Loans, Interest Income Recognized, Total	65	581
Commercial And Industrial [Member]
Impaired Financing Receivable, Recorded Investment
Impaired loans, Recorded Investment, With no related allowance recorded	1,330	1,017
Impaired loans, Recorded Investment, With a related allowance recorded	5,247	4,701
Impaired loans, Recorded Investment, Total	6,577	5,718
Impaired Financing Receivable, Unpaid Principal Balance
Impaired loans, Unpaid Principal Balance, With no related allowance recorded	1,461	1,022
Impaired loans, Unpaid Principal Balance, With a related allowance recorded	5,324	4,734
Impaired loans, Unpaid Principal Balance, Total	6,785	5,756
Impaired Financing Receivable Related Allowance
Impaired loans, Related Allowance	978	988
Impaired Financing Receivable, Average Recorded Investment
Impaired loans, Average Recorded Investment, With no related allowance recorded	1,416	1,096
Impaired loans, Average Recorded Investment, With a related allowance recorded	5,283	4,701
Impaired loans, Average Recorded Investment, Total	6,699	5,797
Impaired Financing Receivable, Interest Income Foregone
Impaired Loans, Interest Income Foregone, With no related allowance recorded	148	9
Impaired Loans, Interest Income Foregone, With a related allowance recorded	75	64
Impaired Loans, Interest Income Foregone, Total	223	73
Impaired Financing Receivable, Interest Income Recognized
Impaired Loans, Interest Income Recognized, With no related allowance recorded	7	66
Impaired Loans, Interest Income Recognized, With a related allowance recorded	12	234
Impaired Loans, Interest Income Recognized, Total	19	300
Residential Real Estate: Residential [Member]
Impaired Financing Receivable, Recorded Investment
Impaired loans, Recorded Investment, With no related allowance recorded	2,241	2,264
Impaired loans, Recorded Investment, With a related allowance recorded	271	271
Impaired loans, Recorded Investment, Total	2,512	2,535
Impaired Financing Receivable, Unpaid Principal Balance
Impaired loans, Unpaid Principal Balance, With no related allowance recorded	2,419	2,435
Impaired loans, Unpaid Principal Balance, With a related allowance recorded	285	285
Impaired loans, Unpaid Principal Balance, Total	2,704	2,720
Impaired Financing Receivable Related Allowance
Impaired loans, Related Allowance	3	3
Impaired Financing Receivable, Average Recorded Investment
Impaired loans, Average Recorded Investment, With no related allowance recorded	2,253	2,271
Impaired loans, Average Recorded Investment, With a related allowance recorded	271	271
Impaired loans, Average Recorded Investment, Total	2,524	2,542
Impaired Financing Receivable, Interest Income Foregone
Impaired Loans, Interest Income Foregone, With no related allowance recorded	12	37
Impaired Loans, Interest Income Foregone, With a related allowance recorded	5	20
Impaired Loans, Interest Income Foregone, Total	17	57
Impaired Financing Receivable, Interest Income Recognized
Impaired Loans, Interest Income Recognized, With no related allowance recorded	11	68
Impaired Loans, Interest Income Recognized, Total	11	68
Commercial Real Estate: Commercial [Member]
Impaired Financing Receivable, Recorded Investment
Impaired loans, Recorded Investment, With no related allowance recorded	1,922	2,103
Impaired loans, Recorded Investment, With a related allowance recorded	2,579	2,640
Impaired loans, Recorded Investment, Total	4,501	4,743
Impaired Financing Receivable, Unpaid Principal Balance
Impaired loans, Unpaid Principal Balance, With no related allowance recorded	2,016	2,208
Impaired loans, Unpaid Principal Balance, With a related allowance recorded	2,758	2,785
Impaired loans, Unpaid Principal Balance, Total	4,774	4,993
Impaired Financing Receivable Related Allowance
Impaired loans, Related Allowance	124	274
Impaired Financing Receivable, Average Recorded Investment
Impaired loans, Average Recorded Investment, With no related allowance recorded	1,956	2,139
Impaired loans, Average Recorded Investment, With a related allowance recorded	2,670	2,708
Impaired loans, Average Recorded Investment, Total	4,626	4,847
Impaired Financing Receivable, Interest Income Foregone
Impaired Loans, Interest Income Foregone, With no related allowance recorded	6	33
Impaired Loans, Interest Income Foregone, With a related allowance recorded	35	96
Impaired Loans, Interest Income Foregone, Total	41	129
Impaired Financing Receivable, Interest Income Recognized
Impaired Loans, Interest Income Recognized, With no related allowance recorded	18	91
Impaired Loans, Interest Income Recognized, With a related allowance recorded		50
Impaired Loans, Interest Income Recognized, Total	18	141
Commercial Real Estate: Construction [Member]
Impaired Financing Receivable, Recorded Investment
Impaired loans, Recorded Investment, With no related allowance recorded	1,103	1,074
Impaired loans, Recorded Investment, Total	1,103	1,074
Impaired Financing Receivable, Unpaid Principal Balance
Impaired loans, Unpaid Principal Balance, With no related allowance recorded	1,103	1,074
Impaired loans, Unpaid Principal Balance, Total	1,103	1,074
Impaired Financing Receivable, Average Recorded Investment
Impaired loans, Average Recorded Investment, With no related allowance recorded	1,128	1,169
Impaired loans, Average Recorded Investment, Total	1,128	1,169
Impaired Financing Receivable, Interest Income Recognized
Impaired Loans, Interest Income Recognized, With no related allowance recorded	12	44
Impaired Loans, Interest Income Recognized, Total	12	44
Home Equity Loans [Member]
Impaired Financing Receivable, Recorded Investment
Impaired loans, Recorded Investment, With no related allowance recorded	981	911
Impaired loans, Recorded Investment, Total	981	911
Impaired Financing Receivable, Unpaid Principal Balance
Impaired loans, Unpaid Principal Balance, With no related allowance recorded	1,025	950
Impaired loans, Unpaid Principal Balance, Total	1,025	950
Impaired Financing Receivable, Average Recorded Investment
Impaired loans, Average Recorded Investment, With no related allowance recorded	991	917
Impaired loans, Average Recorded Investment, Total	991	917
Impaired Financing Receivable, Interest Income Foregone
Impaired Loans, Interest Income Foregone, With no related allowance recorded	6	17
Impaired Loans, Interest Income Foregone, Total	6	17
Impaired Financing Receivable, Interest Income Recognized
Impaired Loans, Interest Income Recognized, With no related allowance recorded	4	22
Impaired Loans, Interest Income Recognized, Total	4	22
Consumer Loans [Member]
Impaired Financing Receivable, Recorded Investment
Impaired loans, Recorded Investment, With a related allowance recorded	47	48
Impaired loans, Recorded Investment, Total	47	48
Impaired Financing Receivable, Unpaid Principal Balance
Impaired loans, Unpaid Principal Balance, With a related allowance recorded	60	60
Impaired loans, Unpaid Principal Balance, Total	60	60
Impaired Financing Receivable Related Allowance
Impaired loans, Related Allowance	47	48
Impaired Financing Receivable, Average Recorded Investment
Impaired loans, Average Recorded Investment, With a related allowance recorded	48	49
Impaired loans, Average Recorded Investment, Total	48	49
Impaired Financing Receivable, Interest Income Foregone
Impaired Loans, Interest Income Foregone, With a related allowance recorded	1	5
Impaired Loans, Interest Income Foregone, Total	1	5
Impaired Financing Receivable, Interest Income Recognized
Impaired Loans, Interest Income Recognized, With a related allowance recorded	1	6
Impaired Loans, Interest Income Recognized, Total	$1	$6

Loans_And_The_Allowance_For_Lo8

Loans And The Allowance For Loan Losses (Non-Accrual Loans And Leases And Loans And Lease 90 Days Or More Past Due) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-accruing loans and leases	$11,099	$10,390
Accruing loans 90+ days past due	705	201
Total non-performing loans and leases	11,804	10,591
Total non-performing loans and leases to total assets	1.31%	1.25%
Total non-performing loans and leases to total loans and leases	1.68%	1.52%
Commercial And Industrial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-accruing loans and leases	6,380	5,500
Residential Real Estate: Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-accruing loans and leases	1,275	1,296
Residential Real Estate: Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-accruing loans and leases
Commercial Real Estate: Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-accruing loans and leases	2,938	3,162
Accruing loans 90+ days past due	192
Commercial Real Estate: Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-accruing loans and leases
Accruing loans 90+ days past due	513	201
Home Equity Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-accruing loans and leases	489	415
Consumer Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-accruing loans and leases	17	17
Other [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-accruing loans and leases

Loans_And_The_Allowance_For_Lo9

Loans And The Allowance For Loan Losses (Troubled Debt Restructured Loans And Leases) (Details) (USD $)	Mar. 31, 2015	Dec. 31, 2014
In Thousands, unless otherwise specified
Troubled Debt Restructured Loans And Leases [Line Items]
Troubled restructured loans and leases, Total	$6,788	$6,586
Troubled restructured loans and leases, Nonaccruing	2,166	1,948
Troubled restructured loans and leases, Accruing	4,622	4,638
Troubled restructured loans and leases, Related Allowance	263	237
Commercial And Industrial [Member]
Troubled Debt Restructured Loans And Leases [Line Items]
Troubled restructured loans and leases, Total	874	492
Troubled restructured loans and leases, Nonaccruing	677	274
Troubled restructured loans and leases, Accruing	197	218
Troubled restructured loans and leases, Related Allowance	200	173
Residential Real Estate: Residential [Member]
Troubled Debt Restructured Loans And Leases [Line Items]
Troubled restructured loans and leases, Total	1,824	1,833
Troubled restructured loans and leases, Nonaccruing	586	594
Troubled restructured loans and leases, Accruing	1,238	1,239
Commercial Real Estate: Commercial [Member]
Troubled Debt Restructured Loans And Leases [Line Items]
Troubled restructured loans and leases, Total		2,428
Troubled restructured loans and leases, Nonaccruing		847
Troubled restructured loans and leases, Accruing		1,581
Troubled restructured loans and leases, Related Allowance		33
Commercial Real Estate: Construction [Member]
Troubled Debt Restructured Loans And Leases [Line Items]
Troubled restructured loans and leases, Total	1,103	1,074
Troubled restructured loans and leases, Accruing	1,103	1,074
Home Equity Loans [Member]
Troubled Debt Restructured Loans And Leases [Line Items]
Troubled restructured loans and leases, Total	719	728
Troubled restructured loans and leases, Nonaccruing	228	233
Troubled restructured loans and leases, Accruing	491	495
Consumer Loans [Member]
Troubled Debt Restructured Loans And Leases [Line Items]
Troubled restructured loans and leases, Total	30	31
Troubled restructured loans and leases, Accruing	30	31
Troubled restructured loans and leases, Related Allowance	30	31
Other [Member]
Troubled Debt Restructured Loans And Leases [Line Items]
Troubled restructured loans and leases, Total
Troubled restructured loans and leases, Nonaccruing
Troubled restructured loans and leases, Accruing
Troubled restructured loans and leases, Related Allowance

Recovered_Sheet1

Loans And The Allowance For Loan Losses (Troubled Debt Restructurings Activity) (Details) (Commercial And Industrial [Member], Deferral Of Principal [Member], USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015
	contract
Commercial And Industrial [Member] | Deferral Of Principal [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	3
Pre-Modification Outstanding Recorded Investment	$541
Post-Modification Outstanding Recorded Investment	$541

Recovered_Sheet2

Loans And The Allowance For Loan Losses (Troubled Debt Restructurings That Subsequently Defaulted) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
	contract	contract
Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts
Recorded investment of restructured contracts that subsequently defaulted
Residential Real Estate: Residential [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts
Recorded investment of restructured contracts that subsequently defaulted
Residential Real Estate: Construction [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts
Recorded investment of restructured contracts that subsequently defaulted
Commercial Real Estate: Commercial [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts
Recorded investment of restructured contracts that subsequently defaulted
Commercial Real Estate: Construction [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts
Recorded investment of restructured contracts that subsequently defaulted
Home Equity Loans [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	1
Recorded investment of restructured contracts that subsequently defaulted	19
Consumer Loans [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts
Recorded investment of restructured contracts that subsequently defaulted
Other [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts
Recorded investment of restructured contracts that subsequently defaulted

Per_Share_Data_Details

Per Share Data (Details)	3 Months Ended
	Mar. 31, 2015	Mar. 31, 2014
Per Share Data [Abstract]
Potentially dilutive shares of common stock included in calculating diluted earnings per share	78,167	83,497
Potential anti-dilutive shares	38,630	9,000

Other_Comprehensive_Income_Sch

Other Comprehensive Income (Schedule of Accumulated Other Comprehensive Income (Loss)) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance	($1,508)	($1,263)
Net Change	360	382
Ending Balance	-1,148	-881
Net Unrealized Gain (Loss) On Investment Securities [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance	911	191
Net Change	331	361
Ending Balance	1,242	552
Net Defined Benefit Pension Plans Adjustments [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance	-2,419	-1,454
Net Change	29	21
Ending Balance	($2,390)	($1,433)

Other_Comprehensive_Income_Com

Other Comprehensive Income (Components Of Other Comprehensive Income) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Unrealized loss on investment securities, Before-Tax Amount:
Unrealized gain (loss) on investment securities, Before-Tax Amount	$541	$588
Net change, Before-Tax Amount	541	588
Defined benefit pension plans adjustments, Before-Tax Amount:
Amortization of prior service cost, Before-Tax Amount	7	8
Amortization of actuarial loss, Before-Tax Amount	48	26
Net change, Before-Tax Amount	55	34
Other Comprehensive Loss, Before-Tax Amount	596	622
Unrealized loss on investment securities, Income Tax (Provision) Benefit:
Unrealized gain (loss) on investment securities, Income Tax (Provision) Benefit	-210	-227
Reclassification from accumulated other comprehensive income for gains (losses), Income Tax (Provision) Benefit	210	227
Defined benefit pension plans adjustments, Income Tax (Provision) Benefit:
Amortization of prior service cost, Income Tax (Provision) Benefit	-2	-3
Amortization of actuarial loss, Income Tax (Provision) Benefit	-24	-10
Net change, Income Tax (Provision) Benefit	-26	-13
Other Comprehensive Loss, Income Tax (Provision) Benefit	-236	-240
Unrealized loss on investment securities, Net-of-Tax Amount:
Unrealized gain (loss) on investment securities, Net-of-Tax Amount	331	361
Reclassification from accumulated other comprehensive income for gains (losses), Net-of-Tax Amount
Net change, Net-of-Tax Amount	331	361
Defined benefit pension plans adjustments, Net-of-Tax Amount:
Amortization of prior service cost, Net-of-Tax Amount	5	5
Amortization of actuarial loss, Net-of-Tax Amount	24	16
Net change, Net-of-Tax Amount	29	21
OTHER COMPREHENSIVE INCOME, NET OF TAX	$360	$382

Segment_Information_Business_S

Segment Information (Business Segment Information) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Segment Reporting Information [Line Items]
Net interest income (expense)	$7,581	$7,298
Provision for loan losses	201	153
Net interest income (expense) after provision for loan and lease losses	7,380	7,145
Non-interest income	1,237	1,263
Insurance service and fees	1,829	2,132
Amortization expense		41
Non-interest expense	7,512	7,577
Income before income taxes	2,934	2,922
Income tax provision	1,029	909
Net income	1,905	2,013
Banking Activities [Member]
Segment Reporting Information [Line Items]
Net interest income (expense)	7,609	7,326
Provision for loan losses	201	153
Net interest income (expense) after provision for loan and lease losses	7,408	7,173
Non-interest income	1,237	1,263
Insurance service and fees	162	152
Non-interest expense	6,481	6,477
Income before income taxes	2,326	2,111
Income tax provision	794	596
Net income	1,532	1,515
Insurance Agency Activities [Member]
Segment Reporting Information [Line Items]
Net interest income (expense)	-28	-28
Net interest income (expense) after provision for loan and lease losses	-28	-28
Insurance service and fees	1,667	1,980
Amortization expense		41
Non-interest expense	1,031	1,100
Income before income taxes	608	811
Income tax provision	235	313
Net income	$373	$498

Contingent_Liabilities_And_Com2

Contingent Liabilities And Commitments (Summary Of Commitments And Contingent Liabilities) (Details) (USD $)	Mar. 31, 2015	Mar. 31, 2014
Contingent Liabilities And Commitments [Abstract]
Commitments to extend credit	$234,311,000	$212,193,000
Standby letters of credit	2,767,000	2,430,000
Commitments and contingent liabilities	237,078,000	214,623,000
Estimated liability related to NYAG investigation	1,000,000
Estimated probable loss	$1,000,000

Net_Periodic_Benefit_Costs_Sch

Net Periodic Benefit Costs (Schedule Of Net Periodic Benefit Costs) (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2015	Mar. 31, 2014
Pension [Member]
Defined Benefit Plan Disclosure [Line Items]
Interest cost	$51	$51
Expected return on plan assets	-77	-76
Amortization of the net loss	17	5
Net periodic cost (benefit)	-9	-20
Supplemental Executive Retirement Plans [Member]
Defined Benefit Plan Disclosure [Line Items]
Service cost	48	42
Interest cost	37	40
Amortization of prior service cost	7	8
Amortization of the net loss	31	21
Net periodic cost (benefit)	$123	$111