Premier Financial Bancorp (PFBI) 10-Q 8 Nov 18 2018 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2018	Nov. 05, 2018
Document and Entity Information [Abstract]
Entity Registrant Name	PREMIER FINANCIAL BANCORP INC
Entity Central Index Key	887,919
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Ex Transition Period	false
Entity Common Stock, Shares Outstanding		14,618,648
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Sep. 30, 2018
Document Fiscal Year Focus	2,018
Document Fiscal Period Focus	Q3

CONSOLIDATED BALANCE SHEETS (UN

CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
ASSETS
Cash and due from banks	$ 22,048	$ 40,814
Interest bearing bank balances	85,568	37,191
Federal funds sold	7,589	4,658
Cash and cash equivalents	115,205	82,663
Time deposits with other banks	2,086	2,582
Securities available for sale	315,225	278,466
Loans	1,037,066	1,049,052
Allowance for loan losses	(13,483)	(12,104)
Net loans	1,023,583	1,036,948
Federal Home Loan Bank stock, at cost	3,173	3,185
Premises and equipment, net	25,184	23,815
Real estate acquired through foreclosure	14,379	19,966
Interest receivable	4,109	4,043
Goodwill	35,371	35,371
Other intangible assets	2,800	3,375
Other assets	3,355	3,010
Total assets	1,544,470	1,493,424
Deposits
Non-interest bearing	365,629	332,588
Time deposits, $250,000 and over	63,173	63,905
Other interest bearing	890,821	876,182
Total deposits	1,319,623	1,272,675
Securities sold under agreements to repurchase	24,728	23,310
Other borrowed funds	3,350	5,000
Subordinated debt	5,398	5,376
Interest payable	497	393
Other liabilities	3,296	3,315
Total liabilities	1,356,892	1,310,069
Stockholders' equity
Common stock, no par value; 30,000,000 shares authorized; 13,369,600 shares issued and outstanding at September 30, 2018, and 13,345,535 shares issued and outstanding at December 31, 2017	110,830	110,445
Retained earnings	83,888	74,983
Accumulated other comprehensive income (loss)	(7,140)	(2,073)
Total stockholders' equity	187,578	183,355
Total liabilities and stockholders' equity	$ 1,544,470	$ 1,493,424

CONSOLIDATED BALANCE SHEETS (_2

CONSOLIDATED BALANCE SHEETS (UNAUDITED) (Parenthetical)	Sep. 30, 2018$ / sharesshares	Dec. 31, 2017$ / sharesshares
Stockholders' equity
Common stock, par value (in dollars per share) | $ / shares	$ 0	$ 0
Common stock, shares authorized (in shares)	30,000,000
Common stock, shares issued (in shares)	13,369,600	13,345,535
Common stock, shares outstanding (in shares)	13,369,600	13,345,535

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017
Interest income
Loans, including fees	$ 13,731	$ 13,469	$ 41,449	$ 41,667
Securities available for sale
Taxable	1,745	1,427	4,787	4,236
Tax-exempt	52	62	166	198
Federal funds sold and other	473	176	1,151	515
Total interest income	16,001	15,134	47,553	46,616
Interest expense
Deposits	1,355	954	3,583	2,854
Repurchase agreements and other	10	7	25	21
Other borrowings	37	68	125	234
Subordinated debt	90	74	257	218
Total interest expense	1,492	1,103	3,990	3,327
Net interest income	14,509	14,031	43,563	43,289
Provision for loan losses	275	891	1,890	2,033
Net interest income after provision for loan losses	14,234	13,140	41,673	41,256
Non-interest income
Service charges on deposit accounts	1,183	1,136	3,343	3,201
Electronic banking income	968	811	2,677	2,424
Secondary market mortgage income	29	67	142	173
Other	257	163	572	530
Total non-interest income	2,437	2,177	6,734	6,328
Non-interest expenses
Salaries and employee benefits	4,846	4,760	14,667	14,703
Occupancy and equipment expenses	1,570	1,511	4,660	4,481
Outside data processing	1,315	1,344	3,841	4,019
Professional fees	526	196	1,261	721
Taxes, other than payroll, property and income	217	189	669	589
Write-downs, expenses, sales of other real estate owned, net	26	346	(335)	1,139
Amortization of intangibles	190	252	575	768
FDIC insurance	171	159	443	506
Other expenses	1,306	1,168	3,833	3,401
Total non-interest expenses	10,167	9,925	29,614	30,327
Income before income taxes	6,504	5,392	18,793	17,257
Provision for income taxes	1,483	1,925	4,264	6,207
Net income	$ 5,021	$ 3,467	$ 14,529	$ 11,050
Net income per share:
Basic (in dollars per share)	$ 0.38	$ 0.26	$ 1.09	$ 0.83
Diluted (in dollars per share)	$ 0.37	$ 0.26	$ 1.08	$ 0.82

CONSOLIDATED STATEMENTS OF IN_2

CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) (Parenthetical)	Jun. 08, 2018
CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) [Abstract]
Stock split ratio	1.25

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (UNAUDITED) [Abstract]
Net income	$ 5,021	$ 3,467	$ 14,529	$ 11,050
Other comprehensive income (loss):
Unrealized gains (losses) arising during the period	(1,451)	(68)	(6,414)	3,658
Reclassification of realized amount	0	0	0	0
Net change in unrealized gain (loss) on securities	(1,451)	(68)	(6,414)	3,658
Less tax impact	305	24	1,347	(1,281)
Other comprehensive income (loss)	(1,146)	(44)	(5,067)	2,377
Comprehensive income	$ 3,875	$ 3,423	$ 9,462	$ 13,427

CONSOLIDATED STATEMENT OF CHANG

CONSOLIDATED STATEMENT OF CHANGES IN STOCKHOLDERS' EQUITY (UNAUDITED) - 9 months ended Sep. 30, 2018 - USD ($) $ in Thousands	Common Stock [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Total
Balances at Dec. 31, 2017	$ 110,445	$ 74,983	$ (2,073)	$ 183,355
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	14,529	0	14,529
Other comprehensive income (loss)	0	0	(5,067)	(5,067)
Cash dividends paid ($0.42 per share)	0	(5,611)	0	(5,611)
Cash in lieu of fractional share for 5 for 4 stock split	0	(13)	0	(13)
Stock options exercised	168	0	0	168
Stock based compensation expense	217	0	0	217
Balances at Sep. 30, 2018	$ 110,830	$ 83,888	$ (7,140)	$ 187,578

CONSOLIDATED STATEMENT OF CHA_2

CONSOLIDATED STATEMENT OF CHANGES IN STOCKHOLDERS' EQUITY (UNAUDITED) (Parenthetical)	9 Months Ended
	Sep. 30, 2018$ / shares
CONSOLIDATED STATEMENT OF CHANGES IN STOCKHOLDERS' EQUITY (UNAUDITED) [Abstract]
Cash dividends paid (in dollars per share)	$ 0.42

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017
Cash flows from operating activities
Net income	$ 14,529	$ 11,050
Adjustments to reconcile net income to net cash from operating activities
Depreciation	1,274	1,303
Provision for loan losses	1,890	2,033
Amortization (accretion), net	984	1,166
Writedowns (gains on the sale) of other real estate owned, net	(909)	434
Stock compensation expense	217	194
Changes in:
Interest receivable	(66)	(198)
Other assets	1,002	(24)
Interest payable	104	(6)
Other liabilities	(19)	(1,045)
Net cash from operating activities	19,006	14,907
Cash flows from investing activities
Net change on time deposits with other banks	496	(250)
Purchases of securities available for sale	(92,644)	(49,210)
Proceeds from maturities and calls of securities available for sale	48,355	50,787
Redemption of FHLB stock	12	15
Net change in loans	11,156	(30,865)
Purchases of premises and equipment, net	(2,643)	(654)
Proceeds from sales of other real estate acquired through foreclosure	7,562	1,827
Net cash from (used in) investing activities	(27,706)	(28,350)
Cash flows from financing activities
Net change in deposits	46,930	(10,020)
Net change in agreements to repurchase securities	1,418	1,296
Repayment of other borrowed funds	(1,650)	(2,859)
Proceeds from stock option exercises	168	248
Cash in lieu of fractional shares	(13)	0
Common stock dividends paid	(5,611)	(4,796)
Net cash from (used in) financing activities	41,242	(16,131)
Net change in cash and cash equivalents	32,542	(29,574)
Cash and cash equivalents at beginning of period	82,663	104,718
Cash and cash equivalents at end of period	115,205	75,144
Supplemental disclosures of cash flow information:
Cash paid during period for interest	3,886	3,333
Cash paid during period for income taxes	2,807	6,395
Loans transferred to real estate acquired through foreclosure	1,066	983
Premises transferred to other real estate owned	$ 0	$ 71

BASIS OF PRESENTATION

BASIS OF PRESENTATION	9 Months Ended
	Sep. 30, 2018
BASIS OF PRESENTATION [Abstract]
BASIS OF PRESENTATION	NOTE 1 - BASIS OF PRESENTATION The consolidated financial statements include the accounts of Premier Financial Bancorp, Inc. (the Company) and its wholly owned subsidiaries (the “Banks”): Year Total September 30, 2018 Net Income Subsidiary Location Acquired Assets Qtr YTD Citizens Deposit Bank & Trust Vanceburg, Kentucky 1991 $ 437,154 $ 1,470 $ 4,154 Premier Bank, Inc. Huntington, West Virginia 1998 1,100,317 4,162 12,240 Parent and Intercompany Eliminations 6,999 (611 ) (1,865 ) Consolidated Total $ 1,544,470 $ 5,021 $ 14,529 All significant intercompany transactions and balances have been eliminated. On June 8, 2018, Premier issued a 5 for 4 stock split to shareholders of record on June 4, 2018. Each shareholder received 1 additional share of common stock for every 4 shares of common stock already owned on the record date. Outstanding shares and per share amounts prior to the payment date have been restated to reflect the additional shares issued as a result of the stock split to aid in the comparison to current period results. During the first three months of 2018, management updated its policies regarding estimation of probable incurred losses. The updates included incorporating a common estimated loss ratio for all pass credits within a given loan classification, adding an additional qualitative factor for document exceptions on collectively impaired loans, and reallocating the qualitative portion of the allowance to align more closely to the inputs used to determine the qualitative portion. The previous methodology allocated a higher loss ratio to loans graded “Watch” to estimate a higher credit risk on these loans due to risk downgrades resulting from document exceptions. Loans graded “Watch” are considered pass credits. The changes did not have a material impact on the overall allowance for loan losses or the provision for loan losses for the three and nine months ended September 30, 2018. Recently Issued Accounting Pronouncements In May 2014, FASB issued Accounting Standards Update 2014-09, Revenue from Contracts with Customers (Topic 606) Management’s assessment on revenue recognition by following the five steps resulted in no material changes from the current revenue recognition because the majority of revenues earned by the Company are not within the scope of ASU 2014-09. As interest income on loans and securities are both excluded from Topic 606, the majority of revenue earned is not subject to the new guidance. Service charges on deposit accounts, debit card interchange fees, and ATM fees are services provided that fall within the scope of Topic 606 and are presented within non-interest income as revenue when the obligation to the customer is satisfied. Gains on the sale of OREO fall within the scope of Topic 606 and are recognized as a credit to non-interest expense as an offset to writedowns of carrying value and losses on the sale of OREO, as permitted. The Company adopted Topic 606 as of January 1, 2018 with no material change in how revenues are recognized in the Company’s financial statements. Significant items of non-interest income are described below. Service charges on deposit accounts – Debit card interchange fees - Non-customer ATM fees – Gain on sale of OREO – In January 2016, the FASB issued ASU No. 2016-01, Financial Instruments—Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities In February 2016, the FASB issued ASU No. 2016-02, Leases (Topic 842) In June 2016, the FASB issued ASU No. 2016-13, Financial Instruments—Credit Losses: Measurement of Credit Losses on Financial Instruments Management is currently evaluating the impact of the adoption of this guidance on the Company’s financial statements. Upon adoption, an initial cumulative increase in the allowance for loan losses is currently anticipated by management along with a corresponding decrease in capital as permitted by the standard but management cannot yet determine the one-time adjustment. In February 2018, the FASB issued ASU No. 2018-02, Reclassification of Certain Tax Effects from Accumulated Other Comprehensive Income

SECURITIES

SECURITIES	9 Months Ended
	Sep. 30, 2018
SECURITIES [Abstract]
SECURITIES	NOTE 2 –SECURITIES Amortized cost and fair value of investment securities, by category, at September 30, 2018 are summarized as follows: 2018 Amortized Cost Unrealized Gains Unrealized Losses Fair Value Available for sale Mortgage-backed securities U. S. sponsored agency MBS - residential $ 229,307 $ 42 $ (7,192 ) $ 222,157 U. S. sponsored agency CMO’s - residential 72,971 13 (1,604 ) 71,380 Total mortgage-backed securities of government sponsored agencies 302,278 55 (8,796 ) 293,537 U. S. government sponsored agency securities 13,246 - (244 ) 13,002 Obligations of states and political subdivisions 8,739 23 (76 ) 8,686 Total available for sale $ 324,263 $ 78 $ (9,116 ) $ 315,225 Amortized cost and fair value of investment securities, by category, at December 31, 2017 are summarized as follows: 2017 Amortized Cost Unrealized Gains Unrealized Losses Fair Value Available for sale Mortgage-backed securities U. S. sponsored agency MBS - residential $ 198,631 $ 175 $ (2,216 ) $ 196,590 U. S. sponsored agency CMO’s - residential 51,548 241 (681 ) 51,108 Total mortgage-backed securities of government sponsored agencies 250,179 416 (2,897 ) 247,698 U. S. government sponsored agency securities 19,312 1 (179 ) 19,134 Obligations of states and political subdivisions 11,599 61 (26 ) 11,634 Total available for sale $ 281,090 $ 478 $ (3,102 ) $ 278,466 The amortized cost and fair value of securities at September 30, 2018 by contractual maturity are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Amortized Cost Fair Value Available for sale Due in one year or less $ 8,669 $ 8,644 Due after one year through five years 10,820 10,658 Due after five years through ten years 2,496 2,386 Mortgage-backed securities of government sponsored agencies 302,278 293,537 Total available for sale $ 324,263 $ 315,225 Securities with unrealized losses at September 30, 2018 aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position are as follows: Less than 12 Months 12 Months or More Total Description of Securities Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss U.S government sponsored agency securities $ - $ - $ 13,001 $ (244 ) $ 13,001 $ (244 ) U.S government sponsored agency MBS – residential 110,405 (2,186 ) 110,867 (5,006 ) 221,272 (7,192 ) U.S government sponsored agency CMO – residential 51,733 (597 ) 17,710 (1,007 ) 69,443 (1,604 ) Obligations of states and political subdivisions 2,920 (45 ) 1,456 (31 ) 4,376 (76 ) Total temporarily impaired $ 165,058 $ (2,828 ) $ 143,034 $ (6,288 ) $ 308,092 $ (9,116 ) Securities with unrealized losses at December 31, 2017 aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position are as follows: Less than 12 Months 12 Months or More Total Description of Securities Fair Unrealized Loss Fair Unrealized Loss Fair Value Unrealized Loss U.S government sponsored agency securities $ 6,780 $ (41 ) $ 10,335 $ (138 ) $ 17,115 $ (179 ) U.S government sponsored agency MBS – residential 134,211 (1,076 ) 47,682 (1,140 ) 181,893 (2,216 ) U.S government sponsored agency CMO’s – residential 8,306 (64 ) 17,868 (617 ) 26,174 (681 ) Obligations of states and political subdivisions 3,512 (20 ) 474 (6 ) 3,986 (26 ) Total temporarily impaired $ 152,809 $ (1,201 ) $ 76,359 $ (1,901 ) $ 229,168 $ (3,102 ) The investment portfolio is predominately high credit quality interest-bearing bonds with defined maturity dates backed by the U.S. Government or Government sponsored entities. The unrealized losses at September 30, 2018 and December 31, 2017 are price changes resulting from changes in the interest rate environment and are considered to be temporary declines in the value of the securities. Management does not intend to sell and it is likely that management will not be required to sell the securities prior to their anticipated recovery. Their fair value is expected to recover as the bonds approach their maturity date and/or market conditions improve.

LOANS

LOANS	9 Months Ended
	Sep. 30, 2018
LOANS [Abstract]
LOANS	NOTE 3 - LOANS Major classifications of loans at September 30, 2018 and December 31, 2017 are summarized as follows: 2018 2017 Residential real estate $ 340,478 $ 338,829 Multifamily real estate 54,602 62,151 Commercial real estate: Owner occupied 135,884 136,048 Non-owner occupied 226,710 230,702 Commercial and industrial 85,585 78,259 Consumer 28,129 28,293 Construction and land 132,141 139,012 All other 33,537 35,758 $ 1,037,066 $ 1,049,052 Activity in the allowance for loan losses by portfolio segment for the nine months ended September 30, 2018 was as follows: Loan Class Balance Dec 31, 2017 Provision (credit) for loan losses Loans charged- off Recoveries Balance Sept 30, 2018 Residential real estate $ 2,986 $ (509 ) $ (229 ) $ 30 $ 2,278 Multifamily real estate 978 (504 ) (11 ) - 463 Commercial real estate: Owner occupied 1,653 174 (21 ) 1 1,807 Non-owner occupied 2,313 500 (16 ) 2 2,799 Commercial and industrial 1,101 1,108 (525 ) 40 1,724 Consumer 328 90 (105 ) 50 363 Construction and land 2,408 651 (20 ) 400 3,439 All other 337 380 (203 ) 96 610 Total $ 12,104 $ 1,890 $ (1,130 ) $ 619 $ 13,483 Activity in the allowance for loan losses by portfolio segment for the nine months ended September 30, 2017 was as follows: Loan Class Balance Dec 31, 2016 Provision (credit) for loan losses Loans charged- off Recoveries Balance Sept 30, 2017 Residential real estate $ 2,948 $ 363 $ (362 ) $ 52 $ 3,001 Multifamily real estate 785 451 - - 1,236 Commercial real estate: Owner occupied 1,543 (161 ) (7 ) 242 1,617 Non-owner occupied 2,350 265 (8 ) - 2,607 Commercial and industrial 1,140 3 (138 ) 95 1,100 Consumer 347 148 (214 ) 86 367 Construction and land 1,397 683 (127 ) 10 1,963 All other 326 281 (246 ) 107 468 Total $ 10,836 $ 2,033 $ (1,102 ) $ 592 $ 12,359 Activity in the allowance for loan losses by portfolio segment for the three months ended September 30, 2018 was as follows: Loan Class Balance June 30, 2018 Provision (credit) for loan losses Loans charged- Recoveries Balance Sept 30, 2018 Residential real estate $ 2,254 $ 100 $ (81 ) $ 5 $ 2,278 Multifamily real estate 557 (94 ) - - 463 Commercial real estate: Owner occupied 1,917 (92 ) (18 ) - 1,807 Non-owner occupied 2,437 360 - 2 2,799 Commercial and industrial 1,599 132 (21 ) 14 1,724 Consumer 354 39 (42 ) 12 363 Construction and land 3,253 (213 ) (1 ) 400 3,439 All other 611 43 (73 ) 29 610 Total $ 12,982 $ 275 $ (236 ) $ 462 $ 13,483 Activity in the allowance for loan losses by portfolio segment for the three months ended September 30, 2017 was as follows: Loan Class Balance June 30, 2017 Provision (credit) for loan losses Loans charged- off Recoveries Balance Sept 30, 2017 Residential real estate $ 2,973 $ 170 $ (163 ) $ 21 $ 3,001 Multifamily real estate 1,337 (101 ) - - 1,236 Commercial real estate: Owner occupied 1,618 5 (7 ) 1 1,617 Non-owner occupied 2,334 276 (3 ) - 2,607 Commercial and industrial 1,093 (6 ) (4 ) 17 1,100 Consumer 373 10 (49 ) 33 367 Construction and land 1,675 292 (4 ) - 1,963 All other 292 245 (106 ) 37 468 Total $ 11,695 $ 891 $ (336 ) $ 109 $ 12,359 Purchased Impaired Loans The Company holds purchased loans for which there was, at their acquisition date, evidence of deterioration of credit quality since their origination and it was probable, at acquisition, that all contractually required payments would not be collected. The carrying amount of those loans is as follows at September 30, 2018 and December 31, 2017. 2018 2017 Residential real estate $ 1,099 $ 1,321 Commercial real estate Owner occupied 1,385 1,508 Commercial and industrial 3 211 Construction and land 1,274 1,450 All other 284 286 Total carrying amount $ 4,045 $ 4,776 Contractual principal balance $ 5,646 $ 6,728 Carrying amount, net of allowance $ 4,045 $ 4,676 For those purchased loans disclosed above, the Company did not increase the allowance for loan losses during the nine months ended September 30, 2018, but did increase the allowance for loan losses by $50,000 during the nine-months ended September 30, 2017. For those purchased loans disclosed above, where the Company can reasonably estimate the cash flows expected to be collected on the loans, a portion of the purchase discount is allocated to an accretable yield adjustment based upon the present value of the future estimated cash flows versus the current carrying value of the loan and the accretable yield portion is being recognized as interest income over the remaining life of the loan. Where the Company cannot reasonably estimate the cash flows expected to be collected on the loans, it has continued to account for those loans using the cost recovery method of income recognition. As such, no portion of a purchase discount adjustment has been determined to meet the definition of an accretable yield adjustment on those loans accounted for using the cost recovery method. If, in the future, cash flows from the borrower(s) can be reasonably estimated, a portion of the purchase discount would be allocated to an accretable yield adjustment based upon the present value of the future estimated cash flows versus the current carrying value of the loan and the accretable yield portion would be recognized as interest income over the remaining life of the loan. Until such accretable yield can be calculated, under the cost recovery method of income recognition, all payments will be used to reduce the carrying value of the loan and no income will be recognized on the loan until the carrying value is reduced to zero. Any loan accounted for under the cost recovery method is also still included as a non-accrual loan in the amounts presented in the tables below. The accretable yield, or income expected to be collected, on the purchased loans above is as follows at September 30, 2018 and September 30, 2017. 2018 2017 Balance at January 1 $ 754 $ 1,208 New loans purchased - - Accretion of income (141 ) (201 ) Loans placed on non-accrual (52 ) - Income recognized upon full repayment (38 ) (197 ) Reclassifications from non-accretable difference - - Disposals - - Balance at September 30 $ 523 $ 810 Past Due and Non-performing Loans The following tables present the recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans as of September 30, 2018 and December 31, 2017. The recorded investment in non-accrual loans is less than the principal owed on non-accrual loans due to discounts applied to the carrying value of the loan at time of their acquisition and interest payments made by the borrower which have been used to reduce the recorded investment in the loan rather than recognized as interest income. September 30, 2018 Principal Owed on Non-accrual Loans Recorded Investment in Non-accrual Loans Loans Past Due Over 90 Days, still accruing Residential real estate $ 4,015 $ 3,265 $ 917 Multifamily real estate 2,118 2,012 - Commercial real estate Owner occupied 3,114 3,063 - Non-owner occupied 4,373 4,285 75 Commercial and industrial 1,043 481 - Consumer 373 342 - Construction and land 4,842 4,669 - All other 176 176 - Total $ 20,054 $ 18,293 $ 992 December 31, 2017 Principal Owed on Non-accrual Loans Recorded Investment in Non-accrual Loans Loans Past Due Over 90 Days, still accruing Residential real estate $ 2,944 $ 2,422 $ 869 Multifamily real estate 2,128 2,128 334 Commercial real estate Owner occupied 2,623 2,483 134 Non-owner occupied 1,862 1,755 85 Commercial and industrial 1,313 544 1,139 Consumer 268 241 - Construction and land 5,824 5,673 830 Total $ 16,962 $ 15,246 $ 3,391 Nonaccrual loans and impaired loans are defined differently. Some loans may be included in both categories, and some may only be included in one category. Nonaccrual loans include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. The following table presents the aging of the recorded investment in past due loans as of September 30, 2018 by class of loans: Loan Class Total 30-89 Days Past Due Greater than 90 days past due Total Past Due Loans Not Past Due Residential real estate $ 340,478 $ 5,366 $ 1,697 $ 7,063 $ 333,415 Multifamily real estate 54,602 - 1,165 1,165 53,437 Commercial real estate: Owner occupied 135,884 1,719 1,343 3,062 132,822 Non-owner occupied 226,710 281 2,889 3,170 223,540 Commercial and industrial 85,585 328 237 565 85,020 Consumer 28,129 198 163 361 27,768 Construction and land 132,141 1,869 4,657 6,526 125,615 All other 33,537 9 176 185 33,352 Total $ 1,037,066 $ 9,770 $ 12,327 $ 22,097 $ 1,014,969 The following table presents the aging of the recorded investment in past due loans as of December 31, 2017 by class of loans: Loan Class Total Loans 30-89 Days Past Due Greater than 90 days past due Total Past Due Loans Not Past Due Residential real estate $ 338,829 $ 5,242 $ 1,835 $ 7,077 $ 331,752 Multifamily real estate 62,151 - 334 334 61,817 Commercial real estate: Owner occupied 136,048 311 1,784 2,095 133,953 Non-owner occupied 230,702 12 225 237 230,465 Commercial and industrial 78,259 123 1,611 1,734 76,525 Consumer 28,293 492 87 579 27,714 Construction and land 139,012 144 2,508 2,652 136,360 All other 35,758 - - - 35,758 Total $ 1,049,052 $ 6,324 $ 8,384 $ 14,708 $ 1,034,344 The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of September 30, 2018: Allowance for Loan Losses Loan Balances Loan Class Individually Evaluated for Impairment Collectively Evaluated for Impairment Acquired with Deteriorated Credit Quality Total Individually Evaluated for Impairment Collectively Evaluated for Impairment Acquired with Deteriorated Credit Quality Total Residential real estate $ - $ 2,278 $ - $ 2,278 $ 298 $ 339,081 $ 1,099 $ 340,478 Multifamily real estate 6 457 - 463 1,906 52,696 - 54,602 Commercial real estate: Owner occupied 385 1,422 - 1,807 3,029 131,470 1,385 135,884 Non-owner occupied 256 2,543 - 2,799 7,415 219,295 - 226,710 Commercial and industrial 111 1,613 - 1,724 525 85,057 3 85,585 Consumer - 363 - 363 - 28,129 - 28,129 Construction and land 1,195 2,244 3,439 4,423 126,444 1,274 132,141 All other - 610 - 610 - 33,253 284 33,537 Total $ 1,953 $ 11,530 $ - $ 13,483 $ 17,596 $ 1,015,425 $ 4,045 $ 1,037,066 The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2017: Allowance for Loan Losses Loan Balances Loan Class Individually Evaluated for Impairment Collectively Evaluated for Impairment Acquired with Deteriorated Credit Quality Total Individually Evaluated for Impairment Collectively Evaluated for Impairment Acquired with Deteriorated Credit Quality Total Residential real estate $ - $ 2,986 $ - $ 2,986 $ 308 $ 337,200 $ 1,321 $ 338,829 Multifamily real estate 218 760 - 978 2,462 59,689 - 62,151 Commercial real estate: Owner occupied 307 1,346 - 1,653 3,314 131,226 1,508 136,048 Non-owner occupied 88 2,225 - 2,313 11,578 219,124 - 230,702 Commercial and industrial 104 897 100 1,101 1,304 76,744 211 78,259 Consumer - 328 - 328 - 28,293 - 28,293 Construction and land 685 1,723 - 2,408 5,672 131,890 1,450 139,012 All other - 337 - 337 293 35,179 286 35,758 Total $ 1,402 $ 10,602 $ 100 $ 12,104 $ 24,931 $ 1,019,345 $ 4,776 $ 1,049,052 In the tables below, total individually evaluated impaired loans include certain purchased loans that were acquired with deteriorated credit quality that are still individually evaluated for impairment. The following table presents loans individually evaluated for impairment by class of loans as of September 30, 2018. The table does not include any loans acquired with deteriorated credit quality. Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With no related allowance recorded: Residential real estate $ 430 $ 298 $ - Commercial real estate Owner occupied 2,184 2,175 - Non-owner occupied 4,022 4,022 - Commercial and industrial 801 270 - Construction and land 578 578 - 8,015 7,343 - With an allowance recorded: Multifamily real estate 2,012 1,906 6 Commercial real estate Owner occupied 887 854 385 Non-owner occupied 3,474 3,393 256 Commercial and industrial 263 255 111 Construction and land 4,017 3,845 1,195 10,653 10,253 1,953 Total $ 18,668 $ 17,596 $ 1,953 The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2017. The table includes $199,000 of loans acquired with deteriorated credit quality for which the Company cannot reasonably estimate cash flows such that they are accounted for on the cost recovery method and are still individually evaluated for impairment. Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With no related allowance recorded: Residential real estate $ 446 $ 308 $ - Multifamily real estate 334 334 - Commercial real estate Owner occupied 2,451 2,439 - Non-owner occupied 9,602 9,506 - Commercial and industrial 1,719 1,188 - Construction and land 1,798 1,678 - All other 293 293 - 16,643 15,746 - With an allowance recorded: Multifamily real estate $ 2,128 $ 2,128 $ 218 Commercial real estate Owner occupied 895 875 307 Non-owner occupied 2,072 2,072 88 Commercial and industrial 466 315 204 Construction and land 4,024 3,994 685 9,585 9,384 1,502 Total $ 26,228 $ 25,130 $ 1,502 The following table presents the average balance of loans individually evaluated for impairment and interest income recognized on these loans for the nine months ended September 30, 2018 and September 30, 2017. The table includes loans acquired with deteriorated credit quality that are still individually evaluated for impairment. Nine months ended Sept 30, 2018 Nine months ended Sept 30, 2017 Loan Class Average Recorded Investment Interest Income Recognized Cash Basis Interest Recognized Average Recorded Investment Interest Income Recognized Cash Basis Interest Recognized Residential real estate $ 301 $ - $ - $ 339 $ 1 $ 1 Multifamily real estate 2,192 11 11 13,605 196 181 Commercial real estate: Owner occupied 3,163 54 54 3,340 49 49 Non-owner occupied 9,005 327 327 2,955 124 124 Commercial and industrial 990 21 21 1,474 114 114 Consumer - - - 5 - - Construction and land 4,633 12 12 8,337 328 327 All other 216 10 10 304 14 14 Total $ 20,500 $ 435 $ 435 $ 30,359 $ 826 $ 810 The following table presents the average balance of loans individually evaluated for impairment and interest income recognized on these loans for the three months ended September 30, 2018 and September 30, 2017. The table includes loans acquired with deteriorated credit quality that are still individually evaluated for impairment. Three months ended Sept 30, 2018 Three months ended Sept 30, 2017 Loan Class Average Recorded Investment Interest Income Recognized Cash Basis Interest Recognized Average Recorded Investment Interest Income Recognized Cash Basis Interest Recognized Residential real estate $ 299 $ - $ - $ 323 $ - $ - Multifamily real estate 1,939 - - 13,590 66 60 Commercial real estate: Owner occupied 3,041 3 3 3,910 27 27 Non-owner occupied 7,489 86 86 3,749 63 63 Commercial and industrial 532 5 5 1,390 13 13 Consumer - - - 9 - - Construction and land 4,467 9 9 6,884 48 48 All other 142 6 6 299 5 5 Total $ 17,909 $ 109 $ 109 $ 30,154 $ 222 $ 216 Troubled Debt Restructurings A loan is classified as a troubled debt restructuring ("TDR") when loan terms are modified due to a borrower's financial difficulties and a concession is granted to a borrower that would not have otherwise been considered. Most of the Company’s loan modifications involve a restructuring of loan terms prior to maturity to temporarily reduce the payment amount and/or to require only interest for a temporary period, usually up to six months. These modifications generally do not meet the definition of a TDR because the modifications are considered to be an insignificant delay in payment. The determination of an insignificant delay in payment is evaluated based on the facts and circumstances of the individual borrower(s). The following table presents TDR’s as of September 30, 2018 and December 31, 2017: September 30, 2018 TDR’s on Non-accrual Other TDR’s Total TDR’s Residential real estate $ 351 $ 100 $ 451 Multifamily real estate 1,906 - 1,906 Commercial real estate Owner occupied 1,949 226 2,175 Non-owner occupied - 5,981 5,981 Commercial and industrial 191 270 461 Construction and land 3,846 - 3,846 Total $ 8,243 $ 6,577 $ 14,820 December 31, 2017 TDR’s on Non-accrual Other Total TDR’s Residential real estate $ 393 $ 107 $ 500 Multifamily real estate 2,128 - 2,128 Commercial real estate Owner occupied 601 1,783 2,384 Non-owner occupied - 9,904 9,904 Commercial and industrial 56 497 553 Construction and land 3,994 - 3,994 All other - 293 293 Total $ 7,172 $ 12,584 $ 19,756 At September 30, 2018, $1,275,000 in specific reserves were allocated to loans that had restructured terms resulting in a provision for loan losses of $140,000 for the three months ended September 30, 2018 and $303,000 for the nine months ended September 30, 2018. This compares to a provision for loan losses on restructured loans of $706,000 for the three and nine months ended September 30, 2017. At December 31, 2017, $1,029,000 in specific reserves were allocated to loans that had restructured terms. There were no commitments to lend additional amounts to these borrowers. There were no new TDR’s that occurred during the three and nine months ended September 30, 2018. The following table presents TDR’s that occurred during the three and nine months ended September 30, 2017. Three months ended Sept 30, 2017 Nine months ended Sept 30, 2017 Loan Class Number of Loans Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment Number of Loans Pre- Modification Outstanding Recorded Investment Post- Commercial real estate Owner occupied - $ - $ - 2 $ 1,525 $ 1,525 Non owner occupied 2 3,875 3,875 2 3,875 3,875 Commercial & industrial - - - 1 191 191 Total 2 $ 3,875 $ 3,875 5 $ 5,591 $ 5,591 The modifications reported above for the three and nine months ended September 30, 2017 involve reducing the borrowers’ required monthly payment by offering extended interest only periods that exceed the timeframes customarily offered by the Company and/or lengthening the amortization period for loan repayment, each in an effort to help the borrowers keep their loan current. The modifications did not include a permanent reduction of the recorded investment in the loans and did not decrease the stated interest rate on loans. The Company increased the allowance for loan losses related to these loans by $88,000 during the three and nine months ended September 30, 2017. During the three and nine months ended September 30, 2018 and the three and nine months ended September 30, 2017, there were no TDR’s for which there as a payment default within twelve months following the modification. A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms. Credit Quality Indicators: The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes non-homogeneous loans, such as commercial, commercial real estate, multifamily residential and commercial purpose loans secured by residential real estate, on a monthly basis. For consumer loans, including consumer loans secured by residential real estate, and smaller balance non-homogeneous loans, the analysis involves monitoring the performing status of the loan. At the time such loans become past due by 90 days or more, the Company evaluates the loan to determine if a change in risk category is warranted. The Company uses the following definitions for risk ratings: Special Mention. Loans classified as special mention have a potential weakness that deserves management's close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution's credit position at some future date. Substandard. Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected. Doubtful. Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans. As of September 30, 2018, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows: Loan Class Pass Special Mention Substandard Doubtful Total Loans Residential real estate $ 330,283 $ 1,107 $ 9,088 $ - $ 340,478 Multifamily real estate 47,634 4,956 2,012 - 54,602 Commercial real estate: Owner occupied 124,609 4,950 6,325 - 135,884 Non-owner occupied 209,611 6,223 10,876 - 226,710 Commercial and industrial 78,626 4,224 2,735 - 85,585 Consumer 27,649 - 480 - 28,129 Construction and land 106,328 20,441 5,372 - 132,141 All other 32,343 440 754 - 33,537 Total $ 957,083 $ 42,341 $ 37,642 $ - $ 1,037,066 As of December 31, 2017, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows: Loan Class Pass Special Mention Substandard Doubtful Total Loans Residential real estate $ 327,185 $ 667 $ 10,976 $ 1 $ 338,829 Multifamily real estate 55,084 4,605 2,462 - 62,151 Commercial real estate: Owner occupied 124,244 4,937 6,867 - 136,048 Non-owner occupied 216,079 2,428 12,195 - 230,702 Commercial and industrial 70,078 5,851 2,330 - 78,259 Consumer 27,889 - 404 - 28,293 Construction and land 126,323 5,460 7,229 139,012 All other 34,468 795 495 - 35,758 Total $ 981,350 $ 24,743 $ 42,958 $ 1 $ 1,049,052

STOCKHOLDERS' EQUITY AND REGULA

STOCKHOLDERS' EQUITY AND REGULATORY MATTERS	9 Months Ended
	Sep. 30, 2018
STOCKHOLDERS' EQUITY AND REGULATORY MATTERS [Abstract]
STOCKHOLDERS' EQUITY AND REGULATORY MATTERS	NOTE 4- STOCKHOLDERS’ EQUITY AND REGULATORY MATTERS The Company’s principal source of funds for dividend payments to shareholders is dividends received from the subsidiary Banks. Banking regulations limit the amount of dividends that may be paid without prior approval of regulatory agencies. Under these regulations, the amount of dividends that may be paid in any calendar year is limited to the current year’s net profits, as defined, combined with the retained net profits of the preceding two years, subject to the capital requirements and additional restrictions as discussed below. During 2018 the Banks could, without prior approval, declare dividends to the Company of approximately $7.7 million plus any 2018 net profits retained to the date of the dividend declaration. The Company and the subsidiary Banks are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Banks must meet specific guidelines that involve quantitative measures of their assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. These quantitative measures established by regulation to ensure capital adequacy require the Company and Banks to maintain minimum amounts and ratios (set forth in the following tables). The final rules implementing the Basel Committee on Banking Supervision’s capital guidelines for U.S. Banks (Basel III rules) became effective for the Company and Banks on January 1, 2015 with full compliance with all of the requirements being phased in over a multi-year schedule by January 1, 2019. The net unrealized gain or loss on available for sale securities is not included in computing regulatory capital. Management believes, as of September 30, 2018, that the Company and the Banks meet all quantitative capital adequacy requirements to which they are subject. Shown below is a summary of regulatory capital ratios, exclusive of the capital conservation buffer, for the Company: September 30, 2018 December 31, 2017 Regulatory Minimum Requirements To Be Considered Well Capitalized Common Equity Tier 1 Capital (to Risk-Weighted Assets) 14.9 % 13.9 % 4.5 % 6.5 % Tier 1 Capital (to Risk-Weighted Assets) 15.4 % 14.4 % 6.0 % 8.0 % Total Capital (to Risk-Weighted Assets) 16.7 % 15.6 % 8.0 % 10.0 % Tier 1 Capital (to Average Assets) 11.1 % 10.7 % 4.0 % 5.0 % Beginning on January 1, 2016 an additional capital conservation buffer has been added to the minimum regulatory capital ratios under the regulatory framework for prompt corrective action. The capital conservation buffer will be measured as a percentage of risk weighted assets and will be phased-in over a four year period from 2016 thru 2019. The required capital conservation buffer was 1.25% in 2017, and is 1.875% in 2018. When fully implemented, the capital conservation buffer will be 2.50% of risk weighted assets over and above the regulatory minimum capital ratios for Common Equity Tier 1 Capital (CET1) to risk weighted assets, Tier 1 Capital to risk weighted assets, and Total Capital to risk weighted assets. The consequences of not meeting the capital conservation buffer thresholds include restrictions on the payment of dividends, restrictions on the payment of discretionary bonuses, and restrictions on the repurchasing of common shares by the Company. The capital ratios of the Affiliate Banks and the Company already exceed the new minimum capital ratios plus the fully phased-in 2.50% capital buffer requiring a CET1 Capital to risk weighted assets ratio of at least 7.00%, a Tier 1 Capital to risk weighted assets ratio of at least 8.50%, and a Total Capital to risk weighted assets ratio of at least 10.50%. The Company’s capital conservation buffer was 8.67% at September 30, 2018 and 7.56% at December 31, 2017, well in excess of the fully phased-in 2.50% required by March 31, 2019.

STOCK COMPENSATION EXPENSE

STOCK COMPENSATION EXPENSE	9 Months Ended
	Sep. 30, 2018
STOCK COMPENSATION EXPENSE [Abstract]
STOCK COMPENSATION EXPENSE	NOTE 5 – STOCK COMPENSATION EXPENSE From time to time the Company grants stock options to its employees. The Company estimates the fair value of the options at the time they are granted to employees and expenses that fair value over the vesting period of the option grant. On March 21, 2018, 67,875 incentive stock options were granted under the 2012 Long Term Incentive Plan at an exercise price of $15.12, the closing market price of Premier’s common stock on the grant date. These options vest in three equal annual installments ending on March 21, 2021. On March 15, 2017, 69,375 incentive stock options were granted under the 2012 Long Term Incentive Plan at an exercise price of $15.21, the closing market price of Premier’s common stock on the grant date. These options vest in three equal annual installments ending on March 15, 2020. On April 25, 2018, 7,500 shares of Premier’s common stock were granted to President and CEO, Robert W. Walker as stock-based bonus compensation under the 2012 Long-term Incentive Plan. The fair value of the stock at the time of the grant was $15.82 per share based upon the closing price of Premier’s stock on the date of grant and $119,000 of stock-based compensation was recorded as a result. On April 19, 2017, 7,500 shares of Premier’s common stock were granted to President and CEO, Robert W. Walker as stock-based bonus compensation under the 2012 Long-term Incentive Plan. The fair value of the stock at the time of the grant was $16.56 per share based upon the closing price of Premier’s stock on the date of grant and $124,000 of stock-based compensation was recorded as a result. Compensation expense of $217,000 was recorded for the first nine months of 2018 while $194,000 was recorded for the first nine months of 2017. Stock-based compensation expense related to incentive stock option grants is recognized ratably over the requisite vesting period for all awards. Unrecognized stock-based compensation expense related to stock options totaled $136,000 at September 30, 2018. This unrecognized expense is expected to be recognized over the next 29 months based on the vesting periods of the options.

EARNINGS PER SHARE

EARNINGS PER SHARE	9 Months Ended
	Sep. 30, 2018
EARNINGS PER SHARE [Abstract]
EARNINGS PER SHARE	NOTE 6 – EARNINGS PER SHARE A reconciliation of the numerators and denominators of the earnings per common share and earnings per common share assuming dilution computations for the three and nine months ended September 30, 2018 and 2017 is presented below: Three Months Ended Sept 30, Nine Months Ended Sept 30, 2018 2017 2018 2017 Basic earnings per share Income available to common stockholders $ 5,021 $ 3,467 $ 14,529 $ 11,050 Weighted average common shares outstanding 13,368,782 13,326,446 13,356,998 13,316,993. Earnings per share $ 0.38 $ 0.26 $ 1.09 $ 0.83 Diluted earnings per share Income available to common stockholders $ 5,021 $ 3,467 $ 14,529 $ 11,050 Weighted average common shares outstanding 13,368,782 13,326,446 13,356,998 13,316,993 Add dilutive effects of potential additional common stock 123,624 97,243 102,578 100,522 Weighted average common and dilutive potential common shares outstanding 13,492,406 13,423,689 13,459,576 13,417,515 Earnings per share assuming dilution $ 0.37 $ 0.26 $ 1.08 $ 0.82 There were no stock options considered antidilutive for the nine months ended September 30, 2018 and 2017 and there were no stock options considered antidilutive for the three or nine months ended September 30, 2018 and 2017. On June 8, 2018, Premier issued a 5 for 4 stock split to shareholders of record on June 4, 2018. Each shareholder received 1 additional share of common stock for every 4 shares of common stock already owned on the record date. Outstanding shares and per share amounts prior to the payment date have been restated to reflect the additional shares issued as a result of the stock split to aid in the comparison to current period results.

FAIR VALUE

FAIR VALUE	9 Months Ended
	Sep. 30, 2018
FAIR VALUE [Abstract]
FAIR VALUE	NOTE 7 – FAIR VALUE Fair value is the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair value: Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. Level 2: Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data. Level 3: Significant unobservable inputs that reflect a company’s own assumptions about the assumptions that market participants would use in pricing an asset or liability. When possible, the Company looks to active and observable markets to price identical assets or liabilities. When identical assets and liabilities are not traded in active markets, the Company looks to observable market data for similar assets and liabilities. However, certain assets and liabilities are not traded in observable markets and the Company must use other valuation methods to develop a fair value. Carrying amount is the estimated fair value for cash and due from banks, Federal funds sold, accrued interest receivable and payable, demand deposits, short-term debt, and deposits that reprice frequently and fully. Fair values of time deposits with other banks are based on current rates for similar time deposits using the remaining time to maturity. It was not practicable to determine the fair value of Federal Home Loan Bank stock due to the restrictions placed on its transferability. For deposits and variable rate deposits with infrequent repricing, fair value is based on discounted cash flows using current market rates applied to the estimated life. The methodology for the fair value valuation of loans held for investment has been impacted by the adoption of ASU 2016-01. Fair values for loans had been previously based upon the measured at the entry price notion by using the discounted cash flow or collateral value. The newly adopted exit price notion uses the same approach but also incorporates additional factors such as using economic factors, credit risk, and market rates and conditions. The new definition using the exit price focuses on the price that would be received to sell the asset or paid to transfer the liability, not the price that would be paid to acquire the asset or received to assume the liability. As of September 30, 2018, the technique used by the Company to estimate the exit price of the loan portfolio consists of similar procedures to those used as of December 31, 2017, but with added emphasis on both illiquidity risk and credit risk not captured by the previously applied entry price notion. This credit risk assumption is intended to approximate the fair value that a market participant would realize in a hypothetical orderly transaction. The Company’s loan portfolio is initially fair valued using a segmented approach, using the eight categories as disclosed in Note 3 – Loans. Fair values for impaired loans are estimated using a discounted cash flow analysis or the underlying collateral values. Fair value of debt is based on current rates for similar financing. The fair value of commitments to extend credit and standby letters of credit is not material. The Company used the following methods and significant assumptions to estimate the fair value of each type of financial instrument measured on a recurring basis: Investment Securities: The fair values for investment securities are determined by quoted market prices, if available (Level 1). For securities where quoted prices are not available, fair values are calculated based on market prices of similar securities (Level 2). For securities where quoted prices or market prices of similar securities are not available, fair values are calculated using discounted cash flows or other market indicators (Level 3). The carrying amounts and estimated fair values of financial instruments at September 30, 2018 were as follows: Fair Value Measurements at September 30, 2018 Using Carrying Amount Level 1 Level 2 Level 3 Total Financial assets Cash and due from banks $ 107,616 $ 107,616 $ - $ - $ 107,616 Time deposits with other banks 2,086 - 2,075 - 2,075 Federal funds sold 7,589 7,589 - - 7,589 Securities available for sale 315,225 - 315,225 - 315,225 Loans, net 1,023,583 - - 1,012,036 1,012,036 Federal Home Loan Bank stock 3,173 n/a n/a n/a n/a Interest receivable 4,109 - 858 3,251 4,109 Financial liabilities Deposits $ (1,319,623 ) $ (979,382 ) $ (333,508 ) $ - $ (1,312,890 ) Securities sold under agreements to repurchase (24,728 ) - (24,728 ) - (24,728 ) Other borrowed funds (3,350 ) - (3,301 ) - (3,301 ) Subordinated debt (5,398 ) - (5,482 ) - (5,482 ) Interest payable (497 ) (14 ) (483 ) - (497 ) The carrying amounts and estimated fair values of financial instruments at December 31, 2017 were as follows: Fair Value Measurements at December 31, 2017 Using Carrying Amount Level 1 Level 2 Level 3 Total Financial assets Cash and due from banks $ 78,005 $ 78,005 $ - $ - $ 78,005 Time deposits with other banks 2,582 - 2,581 - 2,581 Federal funds sold 4,658 4,658 - - 4,658 Securities available for sale 278,466 - 278,466 - 278,466 Loans, net 1,036,948 - - 1,016,723 1,016,723 Federal Home Loan Bank stock 3,185 n/a n/a n/a n/a Interest receivable 4,043 - 700 3,343 4,043 Financial liabilities Deposits $ (1,272,675 ) $ (929,202 ) $ (338,291 ) $ - $ (1,267,493 ) Securities sold under agreements to repurchase (23,310 ) - (23,310 ) - (23,310 ) Other borrowed funds (5,000 ) - (4,955 ) - (4,955 ) Subordinated debt (5,376 ) - (5,439 ) - (5,439 ) Interest payable (393 ) (7 ) (386 ) - (393 ) Assets and Liabilities Measured on a Recurring Basis Assets and liabilities measured at fair value on a recurring basis are summarized below: Fair Value Measurements at September 30, 2018 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable (Level 3) Available for sale Mortgage-backed securities U. S. agency MBS - residential $ 222,157 $ - $ 222,157 $ - U. S. agency CMO’s - residential 71,380 - 71,380 - Total mortgage-backed securities of government sponsored agencies 293,537 - 293,537 - U. S. government sponsored agency securities 13,002 - 13,002 - Obligations of states and political subdivisions 8,686 - 8,686 - Total securities available for sale $ 315,225 $ - $ 315,225 $ - Fair Value Measurements at December 31, 2017 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Available for sale Mortgage-backed securities U. S. agency MBS - residential $ 196,590 $ - $ 196,590 $ - U. S. agency CMO’s 51,108 - 51,108 - Total mortgage-backed securities of government sponsored agencies 247,698 - 247,698 - U. S. government sponsored agency securities 19,134 - 19,134 - Obligations of states and political subdivisions 11,634 - 11,634 - Total securities available for sale $ 278,466 $ - $ 278,466 $ - There were no transfers between Level 1 and Level 2 during 2018 or 2017. Assets and Liabilities Measured on a Non-Recurring Basis The Company used the following methods and significant assumptions to estimate the fair value of each type of financial instrument measured on a non-recurring basis: Impaired loans: Other real estate owned (OREO): Assets and liabilities measured at fair value on a non-recurring basis at September 30, 2018 are summarized below: Fair Value Measurements at September 30, 2018 Using Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: Impaired loans: Multifamily real estate $ 1,900 $ - $ - $ 1,900 Commercial real estate Owner occupied 469 - - 469 Non-owner occupied 3,137 - - 3,137 Commercial and industrial 144 - - 144 Construction and land 2,650 - - 2,650 Total impaired loans $ 8,300 $ - $ - $ 8,300 Other real estate owned: Residential real estate $ 281 $ - $ - $ 281 Commercial real estate Owner occupied 175 - - 175 Non-owner occupied 200 - - 200 Construction and land 150 - - 150 Total OREO $ 806 $ - $ - $ 806 Impaired loans, which are measured for impairment using the fair value of the collateral for collateral dependent loans, had a carrying amount of $10,253,000 at September 30, 2018 with a valuation allowance of $1,953,000 and a carrying amount of $9,384,000 at December 31, 2017 with a valuation allowance of $1,502,000. The change resulted in a provision for loan losses of $868,000 for the nine-months ended September 30, 2018, compared to a $1,165,000 provision for loan losses for the nine-months ended September 30, 2017 and a $348,000 increase in provision for loans losses for the three months ended September 30, 2018, compared to a $423,000 provision for loan losses for the three months ended September 30, 2017. The detail of impaired loans by loan class is contained in Note 3 above. Other real estate owned measured at fair value less costs to sell, had a net carrying amount of $806,000 which is made up of the outstanding balance of $1,438,000 net of a valuation allowance of $632,000 at September 30, 2018. There were $120,000 of write downs during the nine months ended September 30, 2018, compared to $474,000 of write downs during the nine months ended September 30, 2017. For the three months ended September 30, 2018 there were no additional write downs compared to $111,000 of additional write downs during the three months ended September 30, 2017. At December 31, 2017, other real estate owned had a net carrying amount of $2,641,000, made up of the outstanding balance of $4,082,000, net of a valuation allowance of $1,441,000. The significant unobservable inputs related to assets and liabilities measured at fair value on a non-recurring basis at September 30, 2018 are summarized below: September 30, 2018 Valuation Techniques Unobservable Inputs Range (Weighted Avg) Impaired loans: Multifamily real estate $ 1,900 sales comparison adjustment for estimated realizable value 46.7%-46.7% (46.7 %) Commercial real estate Owner occupied 469 sales comparison adjustment for estimated realizable value 36.9%-36.9% (36.9 %) Non-owner occupied 3,137 income approach adjustment for differences in net operating income expectations 65.9%-93.6% (70.5 %) Commercial and industrial 144 discounted cash flows recovery probability N/A Construction and land 2,650 sales comparison adjustment for percentage of completion of construction 42.3%-42.3% (42.3 %) Total impaired loans $ 8,300 Other real estate owned: Residential real estate $ 281 sales comparison adjustment for estimated realizable value 11.0%-19.2% (14.2 %) Commercial real estate Owner occupied 175 sales comparison adjustment for estimated realizable value 21.8%-21.8% (21.8 %) Non-owner occupied 200 sales comparison adjustment for estimated realizable value 58.9%-58.9% (58.9 %) Construction and land 150 sales comparison adjustment for estimated realizable value 50.3%-50.3% (50.3 %) Total OREO $ 806 Assets and liabilities measured at fair value on a non-recurring basis at December 31, 2017 are summarized below: Fair Value Measurements at December 31, 2017 Using Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: Impaired loans: Multifamily real estate $ 1,910 $ - $ - $ 1,910 Commercial real estate Owner occupied 568 - - 568 Non-owner occupied 1,984 - - 1,984 Commercial and industrial 111 - - 111 Construction and land 3,309 - - 3,309 Total impaired loans $ 7,882 $ - $ - $ 7,882 Other real estate owned: Residential real estate $ 352 $ - $ - $ 352 Commercial real estate Owner occupied 175 - - 175 Non-owner occupied 200 - - 200 Construction and land 1,914 - - 1,914 Total OREO $ 2,641 $ - $ - $ 2,641 The significant unobservable inputs related to assets and liabilities measured at fair value on a non-recurring basis at December 31, 2017 are summarized below: December 31, 2017 Valuation Techniques Unobservable Inputs Range (Weighted Avg) Impaired loans: Multifamily real estate $ 1,910 sales comparison adjustment for estimated realizable value 46.0%-46.7% (46.4 %) Commercial real estate Owner occupied 568 sales comparison adjustment for estimated realizable value 23.1%-23.1% (23.1 %) Non-owner occupied 1,984 income approach adjustment for differences in net operating income expectations 67.4%-67.4% (67.4 %) Commercial and industrial 111 sales comparison adjustment for estimated realizable value 8.0%-71.1% (64.2 %) Construction and land 3,309 sales comparison adjustment for percentage of completion of construction 27.7%-27.7% (27.7 %) Total impaired loans $ 7,882 Other real estate owned: Residential real estate $ 352 sales comparison adjustment for estimated realizable value 8.8%-50.2% (20.0 %) Commercial real estate Owner occupied 175 sales comparison adjustment for estimated realizable value 21.8%-21.8% (21.8 %) Non-owner occupied 200 sales comparison adjustment for estimated realizable value 58.9%-58.9% (58.9 %) Construction and land 1,914 sales comparison adjustment for estimated realizable value 25.2%-69.0% (27.8 %) Total OREO $ 2,641

SUBSEQUENT EVENT

SUBSEQUENT EVENT	9 Months Ended
	Sep. 30, 2018
SUBSEQUENT EVENT [Abstract]
SUBSEQUENT EVENT	NOTE 8 – SUBSEQUENT EVENT Effective with the close of business on October 12, 2018, Premier completed its purchase of First Bank of Charleston, Inc. (“First Bank”), a $174.1 million bank (as of September 30, 2018) headquartered in Charleston, West Virginia. Under terms of an amended and restated agreement of merger dated April 18, 2018, each share of First Bank common stock is entitled to merger consideration of 1.199 shares of Premier common stock and $5.00 cash from Premier. Premier will issue approximately 1.249 million shares of its common stock to the shareholders of First Bank. In addition to the cash and shares of common stock from Premier, First Bank shareholders also received a regulatorily approved special dividend of $5.00 per share from the equity of First Bank as part of the acquisition transaction. The value of the transaction, including the special dividend, is estimated at $32.8 million. In conjunction with the acquisition by Premier, First Bank was merged into Premier Bank, Inc., a wholly owned subsidiary of Premier. Management has not yet completed all of the analyses needed to estimate the fair value of the assets and liabilities acquired, both tangible and intangible.

BASIS OF PRESENTATION (Policies

BASIS OF PRESENTATION (Policies)	9 Months Ended
	Sep. 30, 2018
BASIS OF PRESENTATION [Abstract]
Recently Issued Accounting Pronouncements	Recently Issued Accounting Pronouncements In May 2014, FASB issued Accounting Standards Update 2014-09, Revenue from Contracts with Customers (Topic 606) Management’s assessment on revenue recognition by following the five steps resulted in no material changes from the current revenue recognition because the majority of revenues earned by the Company are not within the scope of ASU 2014-09. As interest income on loans and securities are both excluded from Topic 606, the majority of revenue earned is not subject to the new guidance. Service charges on deposit accounts, debit card interchange fees, and ATM fees are services provided that fall within the scope of Topic 606 and are presented within non-interest income as revenue when the obligation to the customer is satisfied. Gains on the sale of OREO fall within the scope of Topic 606 and are recognized as a credit to non-interest expense as an offset to writedowns of carrying value and losses on the sale of OREO, as permitted. The Company adopted Topic 606 as of January 1, 2018 with no material change in how revenues are recognized in the Company’s financial statements. Significant items of non-interest income are described below. Service charges on deposit accounts – Debit card interchange fees - Non-customer ATM fees – Gain on sale of OREO – In January 2016, the FASB issued ASU No. 2016-01, Financial Instruments—Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities In February 2016, the FASB issued ASU No. 2016-02, Leases (Topic 842) In June 2016, the FASB issued ASU No. 2016-13, Financial Instruments—Credit Losses: Measurement of Credit Losses on Financial Instruments Management is currently evaluating the impact of the adoption of this guidance on the Company’s financial statements. Upon adoption, an initial cumulative increase in the allowance for loan losses is currently anticipated by management along with a corresponding decrease in capital as permitted by the standard but management cannot yet determine the one-time adjustment. In February 2018, the FASB issued ASU No. 2018-02, Reclassification of Certain Tax Effects from Accumulated Other Comprehensive Income

BASIS OF PRESENTATION (Tables)

BASIS OF PRESENTATION (Tables)	9 Months Ended
	Sep. 30, 2018
BASIS OF PRESENTATION [Abstract]
Accounts of the Company and its Wholly Owned Subsidiaries	The consolidated financial statements include the accounts of Premier Financial Bancorp, Inc. (the Company) and its wholly owned subsidiaries (the “Banks”): Year Total September 30, 2018 Net Income Subsidiary Location Acquired Assets Qtr YTD Citizens Deposit Bank & Trust Vanceburg, Kentucky 1991 $ 437,154 $ 1,470 $ 4,154 Premier Bank, Inc. Huntington, West Virginia 1998 1,100,317 4,162 12,240 Parent and Intercompany Eliminations 6,999 (611 ) (1,865 ) Consolidated Total $ 1,544,470 $ 5,021 $ 14,529

SECURITIES (Tables)

SECURITIES (Tables)	9 Months Ended
	Sep. 30, 2018
SECURITIES [Abstract]
Amortized Cost and Fair Value of Investment Securities, by Category	Amortized cost and fair value of investment securities, by category, at September 30, 2018 are summarized as follows: 2018 Amortized Cost Unrealized Gains Unrealized Losses Fair Value Available for sale Mortgage-backed securities U. S. sponsored agency MBS - residential $ 229,307 $ 42 $ (7,192 ) $ 222,157 U. S. sponsored agency CMO’s - residential 72,971 13 (1,604 ) 71,380 Total mortgage-backed securities of government sponsored agencies 302,278 55 (8,796 ) 293,537 U. S. government sponsored agency securities 13,246 - (244 ) 13,002 Obligations of states and political subdivisions 8,739 23 (76 ) 8,686 Total available for sale $ 324,263 $ 78 $ (9,116 ) $ 315,225 Amortized cost and fair value of investment securities, by category, at December 31, 2017 are summarized as follows: 2017 Amortized Cost Unrealized Gains Unrealized Losses Fair Value Available for sale Mortgage-backed securities U. S. sponsored agency MBS - residential $ 198,631 $ 175 $ (2,216 ) $ 196,590 U. S. sponsored agency CMO’s - residential 51,548 241 (681 ) 51,108 Total mortgage-backed securities of government sponsored agencies 250,179 416 (2,897 ) 247,698 U. S. government sponsored agency securities 19,312 1 (179 ) 19,134 Obligations of states and political subdivisions 11,599 61 (26 ) 11,634 Total available for sale $ 281,090 $ 478 $ (3,102 ) $ 278,466
Amortized Cost and Fair Value of Securities by Contractual Maturity	The amortized cost and fair value of securities at September 30, 2018 by contractual maturity are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Amortized Cost Fair Value Available for sale Due in one year or less $ 8,669 $ 8,644 Due after one year through five years 10,820 10,658 Due after five years through ten years 2,496 2,386 Mortgage-backed securities of government sponsored agencies 302,278 293,537 Total available for sale $ 324,263 $ 315,225
Securities with Unrealized Losses in Continuous Unrealized Loss Position	Securities with unrealized losses at September 30, 2018 aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position are as follows: Less than 12 Months 12 Months or More Total Description of Securities Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss U.S government sponsored agency securities $ - $ - $ 13,001 $ (244 ) $ 13,001 $ (244 ) U.S government sponsored agency MBS – residential 110,405 (2,186 ) 110,867 (5,006 ) 221,272 (7,192 ) U.S government sponsored agency CMO – residential 51,733 (597 ) 17,710 (1,007 ) 69,443 (1,604 ) Obligations of states and political subdivisions 2,920 (45 ) 1,456 (31 ) 4,376 (76 ) Total temporarily impaired $ 165,058 $ (2,828 ) $ 143,034 $ (6,288 ) $ 308,092 $ (9,116 ) Securities with unrealized losses at December 31, 2017 aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position are as follows: Less than 12 Months 12 Months or More Total Description of Securities Fair Unrealized Loss Fair Unrealized Loss Fair Value Unrealized Loss U.S government sponsored agency securities $ 6,780 $ (41 ) $ 10,335 $ (138 ) $ 17,115 $ (179 ) U.S government sponsored agency MBS – residential 134,211 (1,076 ) 47,682 (1,140 ) 181,893 (2,216 ) U.S government sponsored agency CMO’s – residential 8,306 (64 ) 17,868 (617 ) 26,174 (681 ) Obligations of states and political subdivisions 3,512 (20 ) 474 (6 ) 3,986 (26 ) Total temporarily impaired $ 152,809 $ (1,201 ) $ 76,359 $ (1,901 ) $ 229,168 $ (3,102 )

LOANS (Tables)

LOANS (Tables)	9 Months Ended
	Sep. 30, 2018
LOANS [Abstract]
Major Classifications of Loans	Major classifications of loans at September 30, 2018 and December 31, 2017 are summarized as follows: 2018 2017 Residential real estate $ 340,478 $ 338,829 Multifamily real estate 54,602 62,151 Commercial real estate: Owner occupied 135,884 136,048 Non-owner occupied 226,710 230,702 Commercial and industrial 85,585 78,259 Consumer 28,129 28,293 Construction and land 132,141 139,012 All other 33,537 35,758 $ 1,037,066 $ 1,049,052
Activity in the Allowance for Loan Losses by Portfolio Segment	Activity in the allowance for loan losses by portfolio segment for the nine months ended September 30, 2018 was as follows: Loan Class Balance Dec 31, 2017 Provision (credit) for loan losses Loans charged- off Recoveries Balance Sept 30, 2018 Residential real estate $ 2,986 $ (509 ) $ (229 ) $ 30 $ 2,278 Multifamily real estate 978 (504 ) (11 ) - 463 Commercial real estate: Owner occupied 1,653 174 (21 ) 1 1,807 Non-owner occupied 2,313 500 (16 ) 2 2,799 Commercial and industrial 1,101 1,108 (525 ) 40 1,724 Consumer 328 90 (105 ) 50 363 Construction and land 2,408 651 (20 ) 400 3,439 All other 337 380 (203 ) 96 610 Total $ 12,104 $ 1,890 $ (1,130 ) $ 619 $ 13,483 Activity in the allowance for loan losses by portfolio segment for the nine months ended September 30, 2017 was as follows: Loan Class Balance Dec 31, 2016 Provision (credit) for loan losses Loans charged- off Recoveries Balance Sept 30, 2017 Residential real estate $ 2,948 $ 363 $ (362 ) $ 52 $ 3,001 Multifamily real estate 785 451 - - 1,236 Commercial real estate: Owner occupied 1,543 (161 ) (7 ) 242 1,617 Non-owner occupied 2,350 265 (8 ) - 2,607 Commercial and industrial 1,140 3 (138 ) 95 1,100 Consumer 347 148 (214 ) 86 367 Construction and land 1,397 683 (127 ) 10 1,963 All other 326 281 (246 ) 107 468 Total $ 10,836 $ 2,033 $ (1,102 ) $ 592 $ 12,359 Activity in the allowance for loan losses by portfolio segment for the three months ended September 30, 2018 was as follows: Loan Class Balance June 30, 2018 Provision (credit) for loan losses Loans charged- Recoveries Balance Sept 30, 2018 Residential real estate $ 2,254 $ 100 $ (81 ) $ 5 $ 2,278 Multifamily real estate 557 (94 ) - - 463 Commercial real estate: Owner occupied 1,917 (92 ) (18 ) - 1,807 Non-owner occupied 2,437 360 - 2 2,799 Commercial and industrial 1,599 132 (21 ) 14 1,724 Consumer 354 39 (42 ) 12 363 Construction and land 3,253 (213 ) (1 ) 400 3,439 All other 611 43 (73 ) 29 610 Total $ 12,982 $ 275 $ (236 ) $ 462 $ 13,483 Activity in the allowance for loan losses by portfolio segment for the three months ended September 30, 2017 was as follows: Loan Class Balance June 30, 2017 Provision (credit) for loan losses Loans charged- off Recoveries Balance Sept 30, 2017 Residential real estate $ 2,973 $ 170 $ (163 ) $ 21 $ 3,001 Multifamily real estate 1,337 (101 ) - - 1,236 Commercial real estate: Owner occupied 1,618 5 (7 ) 1 1,617 Non-owner occupied 2,334 276 (3 ) - 2,607 Commercial and industrial 1,093 (6 ) (4 ) 17 1,100 Consumer 373 10 (49 ) 33 367 Construction and land 1,675 292 (4 ) - 1,963 All other 292 245 (106 ) 37 468 Total $ 11,695 $ 891 $ (336 ) $ 109 $ 12,359
Purchased Impaired Loans	The carrying amount of those loans is as follows at September 30, 2018 and December 31, 2017. 2018 2017 Residential real estate $ 1,099 $ 1,321 Commercial real estate Owner occupied 1,385 1,508 Commercial and industrial 3 211 Construction and land 1,274 1,450 All other 284 286 Total carrying amount $ 4,045 $ 4,776 Contractual principal balance $ 5,646 $ 6,728 Carrying amount, net of allowance $ 4,045 $ 4,676
Purchase Loans Accretable Yield, or Income Expected to be Collected	The accretable yield, or income expected to be collected, on the purchased loans above is as follows at September 30, 2018 and September 30, 2017. 2018 2017 Balance at January 1 $ 754 $ 1,208 New loans purchased - - Accretion of income (141 ) (201 ) Loans placed on non-accrual (52 ) - Income recognized upon full repayment (38 ) (197 ) Reclassifications from non-accretable difference - - Disposals - - Balance at September 30 $ 523 $ 810
Past Due and Non-performing Loans	The following tables present the recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans as of September 30, 2018 and December 31, 2017. The recorded investment in non-accrual loans is less than the principal owed on non-accrual loans due to discounts applied to the carrying value of the loan at time of their acquisition and interest payments made by the borrower which have been used to reduce the recorded investment in the loan rather than recognized as interest income. September 30, 2018 Principal Owed on Non-accrual Loans Recorded Investment in Non-accrual Loans Loans Past Due Over 90 Days, still accruing Residential real estate $ 4,015 $ 3,265 $ 917 Multifamily real estate 2,118 2,012 - Commercial real estate Owner occupied 3,114 3,063 - Non-owner occupied 4,373 4,285 75 Commercial and industrial 1,043 481 - Consumer 373 342 - Construction and land 4,842 4,669 - All other 176 176 - Total $ 20,054 $ 18,293 $ 992 December 31, 2017 Principal Owed on Non-accrual Loans Recorded Investment in Non-accrual Loans Loans Past Due Over 90 Days, still accruing Residential real estate $ 2,944 $ 2,422 $ 869 Multifamily real estate 2,128 2,128 334 Commercial real estate Owner occupied 2,623 2,483 134 Non-owner occupied 1,862 1,755 85 Commercial and industrial 1,313 544 1,139 Consumer 268 241 - Construction and land 5,824 5,673 830 Total $ 16,962 $ 15,246 $ 3,391
Aging of Recorded Investment in Past Due Loans by Loan Class	The following table presents the aging of the recorded investment in past due loans as of September 30, 2018 by class of loans: Loan Class Total 30-89 Days Past Due Greater than 90 days past due Total Past Due Loans Not Past Due Residential real estate $ 340,478 $ 5,366 $ 1,697 $ 7,063 $ 333,415 Multifamily real estate 54,602 - 1,165 1,165 53,437 Commercial real estate: Owner occupied 135,884 1,719 1,343 3,062 132,822 Non-owner occupied 226,710 281 2,889 3,170 223,540 Commercial and industrial 85,585 328 237 565 85,020 Consumer 28,129 198 163 361 27,768 Construction and land 132,141 1,869 4,657 6,526 125,615 All other 33,537 9 176 185 33,352 Total $ 1,037,066 $ 9,770 $ 12,327 $ 22,097 $ 1,014,969 The following table presents the aging of the recorded investment in past due loans as of December 31, 2017 by class of loans: Loan Class Total Loans 30-89 Days Past Due Greater than 90 days past due Total Past Due Loans Not Past Due Residential real estate $ 338,829 $ 5,242 $ 1,835 $ 7,077 $ 331,752 Multifamily real estate 62,151 - 334 334 61,817 Commercial real estate: Owner occupied 136,048 311 1,784 2,095 133,953 Non-owner occupied 230,702 12 225 237 230,465 Commercial and industrial 78,259 123 1,611 1,734 76,525 Consumer 28,293 492 87 579 27,714 Construction and land 139,012 144 2,508 2,652 136,360 All other 35,758 - - - 35,758 Total $ 1,049,052 $ 6,324 $ 8,384 $ 14,708 $ 1,034,344
Allowance for Loan Losses and Recorded Investment in Loans by Portfolio Segment Based on Impairment Method	The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of September 30, 2018: Allowance for Loan Losses Loan Balances Loan Class Individually Evaluated for Impairment Collectively Evaluated for Impairment Acquired with Deteriorated Credit Quality Total Individually Evaluated for Impairment Collectively Evaluated for Impairment Acquired with Deteriorated Credit Quality Total Residential real estate $ - $ 2,278 $ - $ 2,278 $ 298 $ 339,081 $ 1,099 $ 340,478 Multifamily real estate 6 457 - 463 1,906 52,696 - 54,602 Commercial real estate: Owner occupied 385 1,422 - 1,807 3,029 131,470 1,385 135,884 Non-owner occupied 256 2,543 - 2,799 7,415 219,295 - 226,710 Commercial and industrial 111 1,613 - 1,724 525 85,057 3 85,585 Consumer - 363 - 363 - 28,129 - 28,129 Construction and land 1,195 2,244 3,439 4,423 126,444 1,274 132,141 All other - 610 - 610 - 33,253 284 33,537 Total $ 1,953 $ 11,530 $ - $ 13,483 $ 17,596 $ 1,015,425 $ 4,045 $ 1,037,066 The following table presents the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2017: Allowance for Loan Losses Loan Balances Loan Class Individually Evaluated for Impairment Collectively Evaluated for Impairment Acquired with Deteriorated Credit Quality Total Individually Evaluated for Impairment Collectively Evaluated for Impairment Acquired with Deteriorated Credit Quality Total Residential real estate $ - $ 2,986 $ - $ 2,986 $ 308 $ 337,200 $ 1,321 $ 338,829 Multifamily real estate 218 760 - 978 2,462 59,689 - 62,151 Commercial real estate: Owner occupied 307 1,346 - 1,653 3,314 131,226 1,508 136,048 Non-owner occupied 88 2,225 - 2,313 11,578 219,124 - 230,702 Commercial and industrial 104 897 100 1,101 1,304 76,744 211 78,259 Consumer - 328 - 328 - 28,293 - 28,293 Construction and land 685 1,723 - 2,408 5,672 131,890 1,450 139,012 All other - 337 - 337 293 35,179 286 35,758 Total $ 1,402 $ 10,602 $ 100 $ 12,104 $ 24,931 $ 1,019,345 $ 4,776 $ 1,049,052
Loans Individually Evaluated for Impairment by Class of Loans	The following table presents loans individually evaluated for impairment by class of loans as of September 30, 2018. The table does not include any loans acquired with deteriorated credit quality. Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With no related allowance recorded: Residential real estate $ 430 $ 298 $ - Commercial real estate Owner occupied 2,184 2,175 - Non-owner occupied 4,022 4,022 - Commercial and industrial 801 270 - Construction and land 578 578 - 8,015 7,343 - With an allowance recorded: Multifamily real estate 2,012 1,906 6 Commercial real estate Owner occupied 887 854 385 Non-owner occupied 3,474 3,393 256 Commercial and industrial 263 255 111 Construction and land 4,017 3,845 1,195 10,653 10,253 1,953 Total $ 18,668 $ 17,596 $ 1,953 The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2017. The table includes $199,000 of loans acquired with deteriorated credit quality for which the Company cannot reasonably estimate cash flows such that they are accounted for on the cost recovery method and are still individually evaluated for impairment. Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With no related allowance recorded: Residential real estate $ 446 $ 308 $ - Multifamily real estate 334 334 - Commercial real estate Owner occupied 2,451 2,439 - Non-owner occupied 9,602 9,506 - Commercial and industrial 1,719 1,188 - Construction and land 1,798 1,678 - All other 293 293 - 16,643 15,746 - With an allowance recorded: Multifamily real estate $ 2,128 $ 2,128 $ 218 Commercial real estate Owner occupied 895 875 307 Non-owner occupied 2,072 2,072 88 Commercial and industrial 466 315 204 Construction and land 4,024 3,994 685 9,585 9,384 1,502 Total $ 26,228 $ 25,130 $ 1,502
Average Balance of Loans Individually Evaluated for Impairment and Interest Income Recognized	The following table presents the average balance of loans individually evaluated for impairment and interest income recognized on these loans for the nine months ended September 30, 2018 and September 30, 2017. The table includes loans acquired with deteriorated credit quality that are still individually evaluated for impairment. Nine months ended Sept 30, 2018 Nine months ended Sept 30, 2017 Loan Class Average Recorded Investment Interest Income Recognized Cash Basis Interest Recognized Average Recorded Investment Interest Income Recognized Cash Basis Interest Recognized Residential real estate $ 301 $ - $ - $ 339 $ 1 $ 1 Multifamily real estate 2,192 11 11 13,605 196 181 Commercial real estate: Owner occupied 3,163 54 54 3,340 49 49 Non-owner occupied 9,005 327 327 2,955 124 124 Commercial and industrial 990 21 21 1,474 114 114 Consumer - - - 5 - - Construction and land 4,633 12 12 8,337 328 327 All other 216 10 10 304 14 14 Total $ 20,500 $ 435 $ 435 $ 30,359 $ 826 $ 810 The following table presents the average balance of loans individually evaluated for impairment and interest income recognized on these loans for the three months ended September 30, 2018 and September 30, 2017. The table includes loans acquired with deteriorated credit quality that are still individually evaluated for impairment. Three months ended Sept 30, 2018 Three months ended Sept 30, 2017 Loan Class Average Recorded Investment Interest Income Recognized Cash Basis Interest Recognized Average Recorded Investment Interest Income Recognized Cash Basis Interest Recognized Residential real estate $ 299 $ - $ - $ 323 $ - $ - Multifamily real estate 1,939 - - 13,590 66 60 Commercial real estate: Owner occupied 3,041 3 3 3,910 27 27 Non-owner occupied 7,489 86 86 3,749 63 63 Commercial and industrial 532 5 5 1,390 13 13 Consumer - - - 9 - - Construction and land 4,467 9 9 6,884 48 48 All other 142 6 6 299 5 5 Total $ 17,909 $ 109 $ 109 $ 30,154 $ 222 $ 216
Troubled Debt Restructurings	The following table presents TDR’s as of September 30, 2018 and December 31, 2017: September 30, 2018 TDR’s on Non-accrual Other TDR’s Total TDR’s Residential real estate $ 351 $ 100 $ 451 Multifamily real estate 1,906 - 1,906 Commercial real estate Owner occupied 1,949 226 2,175 Non-owner occupied - 5,981 5,981 Commercial and industrial 191 270 461 Construction and land 3,846 - 3,846 Total $ 8,243 $ 6,577 $ 14,820 December 31, 2017 TDR’s on Non-accrual Other Total TDR’s Residential real estate $ 393 $ 107 $ 500 Multifamily real estate 2,128 - 2,128 Commercial real estate Owner occupied 601 1,783 2,384 Non-owner occupied - 9,904 9,904 Commercial and industrial 56 497 553 Construction and land 3,994 - 3,994 All other - 293 293 Total $ 7,172 $ 12,584 $ 19,756
Troubled Debt Restructuring During the Period	The following table presents TDR’s that occurred during the three and nine months ended September 30, 2017. Three months ended Sept 30, 2017 Nine months ended Sept 30, 2017 Loan Class Number of Loans Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment Number of Loans Pre- Modification Outstanding Recorded Investment Post- Commercial real estate Owner occupied - $ - $ - 2 $ 1,525 $ 1,525 Non owner occupied 2 3,875 3,875 2 3,875 3,875 Commercial & industrial - - - 1 191 191 Total 2 $ 3,875 $ 3,875 5 $ 5,591 $ 5,591
Risk Category of Loans by Class of Loans	As of September 30, 2018, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows: Loan Class Pass Special Mention Substandard Doubtful Total Loans Residential real estate $ 330,283 $ 1,107 $ 9,088 $ - $ 340,478 Multifamily real estate 47,634 4,956 2,012 - 54,602 Commercial real estate: Owner occupied 124,609 4,950 6,325 - 135,884 Non-owner occupied 209,611 6,223 10,876 - 226,710 Commercial and industrial 78,626 4,224 2,735 - 85,585 Consumer 27,649 - 480 - 28,129 Construction and land 106,328 20,441 5,372 - 132,141 All other 32,343 440 754 - 33,537 Total $ 957,083 $ 42,341 $ 37,642 $ - $ 1,037,066 As of December 31, 2017, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows: Loan Class Pass Special Mention Substandard Doubtful Total Loans Residential real estate $ 327,185 $ 667 $ 10,976 $ 1 $ 338,829 Multifamily real estate 55,084 4,605 2,462 - 62,151 Commercial real estate: Owner occupied 124,244 4,937 6,867 - 136,048 Non-owner occupied 216,079 2,428 12,195 - 230,702 Commercial and industrial 70,078 5,851 2,330 - 78,259 Consumer 27,889 - 404 - 28,293 Construction and land 126,323 5,460 7,229 139,012 All other 34,468 795 495 - 35,758 Total $ 981,350 $ 24,743 $ 42,958 $ 1 $ 1,049,052

STOCKHOLDERS' EQUITY AND REGU_2

STOCKHOLDERS' EQUITY AND REGULATORY MATTERS (Tables)	9 Months Ended
	Sep. 30, 2018
STOCKHOLDERS' EQUITY AND REGULATORY MATTERS [Abstract]
Regulatory Capital Ratios	Shown below is a summary of regulatory capital ratios, exclusive of the capital conservation buffer, for the Company: September 30, 2018 December 31, 2017 Regulatory Minimum Requirements To Be Considered Well Capitalized Common Equity Tier 1 Capital (to Risk-Weighted Assets) 14.9 % 13.9 % 4.5 % 6.5 % Tier 1 Capital (to Risk-Weighted Assets) 15.4 % 14.4 % 6.0 % 8.0 % Total Capital (to Risk-Weighted Assets) 16.7 % 15.6 % 8.0 % 10.0 % Tier 1 Capital (to Average Assets) 11.1 % 10.7 % 4.0 % 5.0 %

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	9 Months Ended
	Sep. 30, 2018
EARNINGS PER SHARE [Abstract]
Reconciliation of Numerators and Denominators of the Earnings Per Share	A reconciliation of the numerators and denominators of the earnings per common share and earnings per common share assuming dilution computations for the three and nine months ended September 30, 2018 and 2017 is presented below: Three Months Ended Sept 30, Nine Months Ended Sept 30, 2018 2017 2018 2017 Basic earnings per share Income available to common stockholders $ 5,021 $ 3,467 $ 14,529 $ 11,050 Weighted average common shares outstanding 13,368,782 13,326,446 13,356,998 13,316,993. Earnings per share $ 0.38 $ 0.26 $ 1.09 $ 0.83 Diluted earnings per share Income available to common stockholders $ 5,021 $ 3,467 $ 14,529 $ 11,050 Weighted average common shares outstanding 13,368,782 13,326,446 13,356,998 13,316,993 Add dilutive effects of potential additional common stock 123,624 97,243 102,578 100,522 Weighted average common and dilutive potential common shares outstanding 13,492,406 13,423,689 13,459,576 13,417,515 Earnings per share assuming dilution $ 0.37 $ 0.26 $ 1.08 $ 0.82

FAIR VALUE (Tables)

FAIR VALUE (Tables)	9 Months Ended
	Sep. 30, 2018
FAIR VALUE [Abstract]
Carrying Amounts and Estimated Fair Values of Financial Instruments	The carrying amounts and estimated fair values of financial instruments at September 30, 2018 were as follows: Fair Value Measurements at September 30, 2018 Using Carrying Amount Level 1 Level 2 Level 3 Total Financial assets Cash and due from banks $ 107,616 $ 107,616 $ - $ - $ 107,616 Time deposits with other banks 2,086 - 2,075 - 2,075 Federal funds sold 7,589 7,589 - - 7,589 Securities available for sale 315,225 - 315,225 - 315,225 Loans, net 1,023,583 - - 1,012,036 1,012,036 Federal Home Loan Bank stock 3,173 n/a n/a n/a n/a Interest receivable 4,109 - 858 3,251 4,109 Financial liabilities Deposits $ (1,319,623 ) $ (979,382 ) $ (333,508 ) $ - $ (1,312,890 ) Securities sold under agreements to repurchase (24,728 ) - (24,728 ) - (24,728 ) Other borrowed funds (3,350 ) - (3,301 ) - (3,301 ) Subordinated debt (5,398 ) - (5,482 ) - (5,482 ) Interest payable (497 ) (14 ) (483 ) - (497 ) The carrying amounts and estimated fair values of financial instruments at December 31, 2017 were as follows: Fair Value Measurements at December 31, 2017 Using Carrying Amount Level 1 Level 2 Level 3 Total Financial assets Cash and due from banks $ 78,005 $ 78,005 $ - $ - $ 78,005 Time deposits with other banks 2,582 - 2,581 - 2,581 Federal funds sold 4,658 4,658 - - 4,658 Securities available for sale 278,466 - 278,466 - 278,466 Loans, net 1,036,948 - - 1,016,723 1,016,723 Federal Home Loan Bank stock 3,185 n/a n/a n/a n/a Interest receivable 4,043 - 700 3,343 4,043 Financial liabilities Deposits $ (1,272,675 ) $ (929,202 ) $ (338,291 ) $ - $ (1,267,493 ) Securities sold under agreements to repurchase (23,310 ) - (23,310 ) - (23,310 ) Other borrowed funds (5,000 ) - (4,955 ) - (4,955 ) Subordinated debt (5,376 ) - (5,439 ) - (5,439 ) Interest payable (393 ) (7 ) (386 ) - (393 )
Assets and Liabilities Measured at Fair Value on a Recurring Basis	Assets and liabilities measured at fair value on a recurring basis are summarized below: Fair Value Measurements at September 30, 2018 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable (Level 3) Available for sale Mortgage-backed securities U. S. agency MBS - residential $ 222,157 $ - $ 222,157 $ - U. S. agency CMO’s - residential 71,380 - 71,380 - Total mortgage-backed securities of government sponsored agencies 293,537 - 293,537 - U. S. government sponsored agency securities 13,002 - 13,002 - Obligations of states and political subdivisions 8,686 - 8,686 - Total securities available for sale $ 315,225 $ - $ 315,225 $ - Fair Value Measurements at December 31, 2017 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Available for sale Mortgage-backed securities U. S. agency MBS - residential $ 196,590 $ - $ 196,590 $ - U. S. agency CMO’s 51,108 - 51,108 - Total mortgage-backed securities of government sponsored agencies 247,698 - 247,698 - U. S. government sponsored agency securities 19,134 - 19,134 - Obligations of states and political subdivisions 11,634 - 11,634 - Total securities available for sale $ 278,466 $ - $ 278,466 $ -
Assets and Liabilities Measured at Fair Value on a Non-recurring Basis	Assets and liabilities measured at fair value on a non-recurring basis at September 30, 2018 are summarized below: Fair Value Measurements at September 30, 2018 Using Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: Impaired loans: Multifamily real estate $ 1,900 $ - $ - $ 1,900 Commercial real estate Owner occupied 469 - - 469 Non-owner occupied 3,137 - - 3,137 Commercial and industrial 144 - - 144 Construction and land 2,650 - - 2,650 Total impaired loans $ 8,300 $ - $ - $ 8,300 Other real estate owned: Residential real estate $ 281 $ - $ - $ 281 Commercial real estate Owner occupied 175 - - 175 Non-owner occupied 200 - - 200 Construction and land 150 - - 150 Total OREO $ 806 $ - $ - $ 806 Assets and liabilities measured at fair value on a non-recurring basis at December 31, 2017 are summarized below: Fair Value Measurements at December 31, 2017 Using Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: Impaired loans: Multifamily real estate $ 1,910 $ - $ - $ 1,910 Commercial real estate Owner occupied 568 - - 568 Non-owner occupied 1,984 - - 1,984 Commercial and industrial 111 - - 111 Construction and land 3,309 - - 3,309 Total impaired loans $ 7,882 $ - $ - $ 7,882 Other real estate owned: Residential real estate $ 352 $ - $ - $ 352 Commercial real estate Owner occupied 175 - - 175 Non-owner occupied 200 - - 200 Construction and land 1,914 - - 1,914 Total OREO $ 2,641 $ - $ - $ 2,641
Fair Value Inputs, Assets, Quantitative Information	The significant unobservable inputs related to assets and liabilities measured at fair value on a non-recurring basis at September 30, 2018 are summarized below: September 30, 2018 Valuation Techniques Unobservable Inputs Range (Weighted Avg) Impaired loans: Multifamily real estate $ 1,900 sales comparison adjustment for estimated realizable value 46.7%-46.7% (46.7 %) Commercial real estate Owner occupied 469 sales comparison adjustment for estimated realizable value 36.9%-36.9% (36.9 %) Non-owner occupied 3,137 income approach adjustment for differences in net operating income expectations 65.9%-93.6% (70.5 %) Commercial and industrial 144 discounted cash flows recovery probability N/A Construction and land 2,650 sales comparison adjustment for percentage of completion of construction 42.3%-42.3% (42.3 %) Total impaired loans $ 8,300 Other real estate owned: Residential real estate $ 281 sales comparison adjustment for estimated realizable value 11.0%-19.2% (14.2 %) Commercial real estate Owner occupied 175 sales comparison adjustment for estimated realizable value 21.8%-21.8% (21.8 %) Non-owner occupied 200 sales comparison adjustment for estimated realizable value 58.9%-58.9% (58.9 %) Construction and land 150 sales comparison adjustment for estimated realizable value 50.3%-50.3% (50.3 %) Total OREO $ 806 The significant unobservable inputs related to assets and liabilities measured at fair value on a non-recurring basis at December 31, 2017 are summarized below: December 31, 2017 Valuation Techniques Unobservable Inputs Range (Weighted Avg) Impaired loans: Multifamily real estate $ 1,910 sales comparison adjustment for estimated realizable value 46.0%-46.7% (46.4 %) Commercial real estate Owner occupied 568 sales comparison adjustment for estimated realizable value 23.1%-23.1% (23.1 %) Non-owner occupied 1,984 income approach adjustment for differences in net operating income expectations 67.4%-67.4% (67.4 %) Commercial and industrial 111 sales comparison adjustment for estimated realizable value 8.0%-71.1% (64.2 %) Construction and land 3,309 sales comparison adjustment for percentage of completion of construction 27.7%-27.7% (27.7 %) Total impaired loans $ 7,882 Other real estate owned: Residential real estate $ 352 sales comparison adjustment for estimated realizable value 8.8%-50.2% (20.0 %) Commercial real estate Owner occupied 175 sales comparison adjustment for estimated realizable value 21.8%-21.8% (21.8 %) Non-owner occupied 200 sales comparison adjustment for estimated realizable value 58.9%-58.9% (58.9 %) Construction and land 1,914 sales comparison adjustment for estimated realizable value 25.2%-69.0% (27.8 %) Total OREO $ 2,641

BASIS OF PRESENTATION (Details)

BASIS OF PRESENTATION (Details) $ in Thousands	Jun. 08, 2018shares	Sep. 30, 2018USD ($)	Sep. 30, 2017USD ($)	Sep. 30, 2018USD ($)	Sep. 30, 2017USD ($)	Dec. 31, 2017USD ($)
Accounts of the Company and its Wholly Owned Subsidiaries [Abstract]
Total Assets		$ 1,544,470		$ 1,544,470		$ 1,493,424
Net Income		5,021	$ 3,467	$ 14,529	$ 11,050
Stock split ratio	1.25
Additional number of shares of common stock issued for every 4 shares of common stock already owned on record date (in shares) | shares	1
Citizens Deposit Bank & Trust [Member] | Vanceburg, Kentucky [Member]
Accounts of the Company and its Wholly Owned Subsidiaries [Abstract]
Year Acquired				1,991
Total Assets		437,154		$ 437,154
Net Income		1,470		$ 4,154
Premier Bank, Inc. [Member] | Huntington, West Virginia [Member]
Accounts of the Company and its Wholly Owned Subsidiaries [Abstract]
Year Acquired				1,998
Total Assets		1,100,317		$ 1,100,317
Net Income		4,162		12,240
Parent and Intercompany Eliminations [Member]
Accounts of the Company and its Wholly Owned Subsidiaries [Abstract]
Total Assets		6,999		6,999
Net Income		$ (611)		$ (1,865)

SECURITIES (Details)

SECURITIES (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Available-for-sale Investment securities [Abstract]
Available for sale, Amortized Cost	$ 324,263	$ 281,090
Unrealized gains	78	478
Unrealized losses	(9,116)	(3,102)
Fair value	315,225	278,466
U.S. Government Sponsored Agency MBS - Residential [Member]
Available-for-sale Investment securities [Abstract]
Available for sale, Amortized Cost	229,307	198,631
Unrealized gains	42	175
Unrealized losses	(7,192)	(2,216)
Fair value	222,157	196,590
U.S. Government Sponsored Agency CMO's - Residential [Member]
Available-for-sale Investment securities [Abstract]
Available for sale, Amortized Cost	72,971	51,548
Unrealized gains	13	241
Unrealized losses	(1,604)	(681)
Fair value	71,380	51,108
Total Mortgage-Backed Securities of Government Sponsored Agencies [Member]
Available-for-sale Investment securities [Abstract]
Available for sale, Amortized Cost	302,278	250,179
Unrealized gains	55	416
Unrealized losses	(8,796)	(2,897)
Fair value	293,537	247,698
U.S. Government Sponsored Agency Securities [Member]
Available-for-sale Investment securities [Abstract]
Available for sale, Amortized Cost	13,246	19,312
Unrealized gains	0	1
Unrealized losses	(244)	(179)
Fair value	13,002	19,134
Obligations of States and Political Subdivisions [Member]
Available-for-sale Investment securities [Abstract]
Available for sale, Amortized Cost	8,739	11,599
Unrealized gains	23	61
Unrealized losses	(76)	(26)
Fair value	$ 8,686	$ 11,634

SECURITIES, By Contractual Matu

SECURITIES, By Contractual Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Amortized cost of available-for-sale securities by contractual maturity [Abstract]
Due in one year or less	$ 8,669
Due after one year through five years	10,820
Due after five years through ten years	2,496
Mortgage-backed securities of government sponsored agencies	302,278
Available for sale, Amortized Cost	324,263	$ 281,090
Fair value of available-for-sale securities by contractual maturity [Abstract]
Due in one year or less	8,644
Due after one year through five years	10,658
Due after five years through ten years	2,386
Mortgage backed securities of government sponsored agencies	293,537
Available for sale, Fair Value	$ 315,225	$ 278,466

SECURITIES, Securities with Unr

SECURITIES, Securities with Unrealized Losses in Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Continuous unrealized loss position, fair value [Abstract]
Less than 12 months	$ 165,058	$ 152,809
12 months or more	143,034	76,359
Total	308,092	229,168
Continuous unrealized loss position, unrealized loss [Abstract]
Less than 12 months	(2,828)	(1,201)
12 months or more	(6,288)	(1,901)
Total	(9,116)	(3,102)
U.S. Government Sponsored Agency Securities [Member]
Continuous unrealized loss position, fair value [Abstract]
Less than 12 months	0	6,780
12 months or more	13,001	10,335
Total	13,001	17,115
Continuous unrealized loss position, unrealized loss [Abstract]
Less than 12 months	0	(41)
12 months or more	(244)	(138)
Total	(244)	(179)
U.S. Government Sponsored Agency MBS - Residential [Member]
Continuous unrealized loss position, fair value [Abstract]
Less than 12 months	110,405	134,211
12 months or more	110,867	47,682
Total	221,272	181,893
Continuous unrealized loss position, unrealized loss [Abstract]
Less than 12 months	(2,186)	(1,076)
12 months or more	(5,006)	(1,140)
Total	(7,192)	(2,216)
U.S. Government Sponsored Agency CMO's - Residential [Member]
Continuous unrealized loss position, fair value [Abstract]
Less than 12 months	51,733	8,306
12 months or more	17,710	17,868
Total	69,443	26,174
Continuous unrealized loss position, unrealized loss [Abstract]
Less than 12 months	(597)	(64)
12 months or more	(1,007)	(617)
Total	(1,604)	(681)
Obligations of States and Political Subdivisions [Member]
Continuous unrealized loss position, fair value [Abstract]
Less than 12 months	2,920	3,512
12 months or more	1,456	474
Total	4,376	3,986
Continuous unrealized loss position, unrealized loss [Abstract]
Less than 12 months	(45)	(20)
12 months or more	(31)	(6)
Total	$ (76)	$ (26)

LOANS, Major Classifications of

LOANS, Major Classifications of Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Major Classifications of Loans [Abstract]
Loans	$ 1,037,066	$ 1,049,052
Residential Real Estate [Member]
Major Classifications of Loans [Abstract]
Loans	340,478	338,829
Multifamily Real Estate [Member]
Major Classifications of Loans [Abstract]
Loans	54,602	62,151
Commercial Real Estate [Member] | Owner Occupied [Member]
Major Classifications of Loans [Abstract]
Loans	135,884	136,048
Commercial Real Estate [Member] | Non-Owner Occupied [Member]
Major Classifications of Loans [Abstract]
Loans	226,710	230,702
Commercial and Industrial [Member]
Major Classifications of Loans [Abstract]
Loans	85,585	78,259
Consumer [Member]
Major Classifications of Loans [Abstract]
Loans	28,129	28,293
Construction and Land [Member]
Major Classifications of Loans [Abstract]
Loans	132,141	139,012
All Other [Member]
Major Classifications of Loans [Abstract]
Loans	$ 33,537	$ 35,758

LOANS, Activity in Allowance Fo

LOANS, Activity in Allowance For Loan Losses by Portfolio Segment (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017
Activity in the allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	$ 12,982	$ 11,695	$ 12,104	$ 10,836
Provision (credit) for loan losses	275	891	1,890	2,033
Loans charged-off	(236)	(336)	(1,130)	(1,102)
Recoveries	462	109	619	592
Balance, end of period	13,483	12,359	13,483	12,359
Residential Real Estate [Member]
Activity in the allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	2,254	2,973	2,986	2,948
Provision (credit) for loan losses	100	170	(509)	363
Loans charged-off	(81)	(163)	(229)	(362)
Recoveries	5	21	30	52
Balance, end of period	2,278	3,001	2,278	3,001
Multifamily Real Estate [Member]
Activity in the allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	557	1,337	978	785
Provision (credit) for loan losses	(94)	(101)	(504)	451
Loans charged-off	0	0	(11)	0
Recoveries	0	0	0	0
Balance, end of period	463	1,236	463	1,236
Commercial Real Estate [Member] | Owner Occupied [Member]
Activity in the allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	1,917	1,618	1,653	1,543
Provision (credit) for loan losses	(92)	5	174	(161)
Loans charged-off	(18)	(7)	(21)	(7)
Recoveries	0	1	1	242
Balance, end of period	1,807	1,617	1,807	1,617
Commercial Real Estate [Member] | Non-Owner Occupied [Member]
Activity in the allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	2,437	2,334	2,313	2,350
Provision (credit) for loan losses	360	276	500	265
Loans charged-off	0	(3)	(16)	(8)
Recoveries	2	0	2	0
Balance, end of period	2,799	2,607	2,799	2,607
Commercial and Industrial [Member]
Activity in the allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	1,599	1,093	1,101	1,140
Provision (credit) for loan losses	132	(6)	1,108	3
Loans charged-off	(21)	(4)	(525)	(138)
Recoveries	14	17	40	95
Balance, end of period	1,724	1,100	1,724	1,100
Consumer [Member]
Activity in the allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	354	373	328	347
Provision (credit) for loan losses	39	10	90	148
Loans charged-off	(42)	(49)	(105)	(214)
Recoveries	12	33	50	86
Balance, end of period	363	367	363	367
Construction and Land [Member]
Activity in the allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	3,253	1,675	2,408	1,397
Provision (credit) for loan losses	(213)	292	651	683
Loans charged-off	(1)	(4)	(20)	(127)
Recoveries	400	0	400	10
Balance, end of period	3,439	1,963	3,439	1,963
All Other [Member]
Activity in the allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	611	292	337	326
Provision (credit) for loan losses	43	245	380	281
Loans charged-off	(73)	(106)	(203)	(246)
Recoveries	29	37	96	107
Balance, end of period	$ 610	$ 468	$ 610	$ 468

LOANS, Purchased Impaired Loans

LOANS, Purchased Impaired Loans (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017	Dec. 31, 2017
Purchased loans [Abstract]
Total carrying amount	$ 4,045		$ 4,776
Contractual principal balance	5,646		6,728
Carrying amount, net of allowance	4,045		4,676
Increase in loan allowance related to acquisitions	0	$ 50
Accretable Yield [Roll Forward]
Beginning Balance	754	1,208
New loans purchased	0	0
Accretion of income	(141)	(201)
Loans placed on non-accrual	(52)	0
Income recognized upon full repayment	(38)	(197)
Reclassifications from non-accretable difference	0	0
Disposals	0	0
Ending Balance	523	$ 810
Residential Real Estate [Member]
Purchased loans [Abstract]
Total carrying amount	1,099		1,321
Commercial Real Estate [Member] | Owner Occupied [Member]
Purchased loans [Abstract]
Total carrying amount	1,385		1,508
Commercial and Industrial [Member]
Purchased loans [Abstract]
Total carrying amount	3		211
Construction and Land [Member]
Purchased loans [Abstract]
Total carrying amount	1,274		1,450
All Other [Member]
Purchased loans [Abstract]
Total carrying amount	$ 284		$ 286

LOANS, Past Due and Non-perform

LOANS, Past Due and Non-performing Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Past due and non-performing loans [Abstract]
Principal owed on non-accrual loans	$ 20,054	$ 16,962
Recorded investment in non-accrual loans	18,293	15,246
Loans past due over 90 days, still accruing	992	3,391
Residential Real Estate [Member]
Past due and non-performing loans [Abstract]
Principal owed on non-accrual loans	4,015	2,944
Recorded investment in non-accrual loans	3,265	2,422
Loans past due over 90 days, still accruing	917	869
Multifamily Real Estate [Member]
Past due and non-performing loans [Abstract]
Principal owed on non-accrual loans	2,118	2,128
Recorded investment in non-accrual loans	2,012	2,128
Loans past due over 90 days, still accruing	0	334
Commercial Real Estate [Member] | Owner Occupied [Member]
Past due and non-performing loans [Abstract]
Principal owed on non-accrual loans	3,114	2,623
Recorded investment in non-accrual loans	3,063	2,483
Loans past due over 90 days, still accruing	0	134
Commercial Real Estate [Member] | Non-Owner Occupied [Member]
Past due and non-performing loans [Abstract]
Principal owed on non-accrual loans	4,373	1,862
Recorded investment in non-accrual loans	4,285	1,755
Loans past due over 90 days, still accruing	75	85
Commercial and Industrial [Member]
Past due and non-performing loans [Abstract]
Principal owed on non-accrual loans	1,043	1,313
Recorded investment in non-accrual loans	481	544
Loans past due over 90 days, still accruing	0	1,139
Consumer [Member]
Past due and non-performing loans [Abstract]
Principal owed on non-accrual loans	373	268
Recorded investment in non-accrual loans	342	241
Loans past due over 90 days, still accruing	0	0
Construction and Land [Member]
Past due and non-performing loans [Abstract]
Principal owed on non-accrual loans	4,842	5,824
Recorded investment in non-accrual loans	4,669	5,673
Loans past due over 90 days, still accruing	0	$ 830
All Other [Member]
Past due and non-performing loans [Abstract]
Principal owed on non-accrual loans	176
Recorded investment in non-accrual loans	176
Loans past due over 90 days, still accruing	$ 0

LOANS, Past Due Aging Analysis

LOANS, Past Due Aging Analysis (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Aging of recorded investment in past due loans [Abstract]
Total loans	$ 1,037,066	$ 1,049,052
Total past due	22,097	14,708
Loans not past due	1,014,969	1,034,344
30-89 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	9,770	6,324
Greater Than 90 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	12,327	8,384
Residential Real Estate [Member]
Aging of recorded investment in past due loans [Abstract]
Total loans	340,478	338,829
Total past due	7,063	7,077
Loans not past due	333,415	331,752
Residential Real Estate [Member] | 30-89 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	5,366	5,242
Residential Real Estate [Member] | Greater Than 90 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	1,697	1,835
Multifamily Real Estate [Member]
Aging of recorded investment in past due loans [Abstract]
Total loans	54,602	62,151
Total past due	1,165	334
Loans not past due	53,437	61,817
Multifamily Real Estate [Member] | 30-89 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	0	0
Multifamily Real Estate [Member] | Greater Than 90 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	1,165	334
Commercial Real Estate [Member] | Owner Occupied [Member]
Aging of recorded investment in past due loans [Abstract]
Total loans	135,884	136,048
Total past due	3,062	2,095
Loans not past due	132,822	133,953
Commercial Real Estate [Member] | Owner Occupied [Member] | 30-89 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	1,719	311
Commercial Real Estate [Member] | Owner Occupied [Member] | Greater Than 90 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	1,343	1,784
Commercial Real Estate [Member] | Non-Owner Occupied [Member]
Aging of recorded investment in past due loans [Abstract]
Total loans	226,710	230,702
Total past due	3,170	237
Loans not past due	223,540	230,465
Commercial Real Estate [Member] | Non-Owner Occupied [Member] | 30-89 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	281	12
Commercial Real Estate [Member] | Non-Owner Occupied [Member] | Greater Than 90 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	2,889	225
Commercial and Industrial [Member]
Aging of recorded investment in past due loans [Abstract]
Total loans	85,585	78,259
Total past due	565	1,734
Loans not past due	85,020	76,525
Commercial and Industrial [Member] | 30-89 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	328	123
Commercial and Industrial [Member] | Greater Than 90 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	237	1,611
Consumer [Member]
Aging of recorded investment in past due loans [Abstract]
Total loans	28,129	28,293
Total past due	361	579
Loans not past due	27,768	27,714
Consumer [Member] | 30-89 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	198	492
Consumer [Member] | Greater Than 90 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	163	87
Construction and Land [Member]
Aging of recorded investment in past due loans [Abstract]
Total loans	132,141	139,012
Total past due	6,526	2,652
Loans not past due	125,615	136,360
Construction and Land [Member] | 30-89 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	1,869	144
Construction and Land [Member] | Greater Than 90 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	4,657	2,508
All Other [Member]
Aging of recorded investment in past due loans [Abstract]
Total loans	33,537	35,758
Total past due	185	0
Loans not past due	33,352	35,758
All Other [Member] | 30-89 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	9	0
All Other [Member] | Greater Than 90 Days Past Due [Member]
Aging of recorded investment in past due loans [Abstract]
Total past due	$ 176	$ 0

LOANS, Allowance for Loan Losse

LOANS, Allowance for Loan Losses and Recorded Investment in Loans by Portfolio Segment Based on Impairment Method (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Jun. 30, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Dec. 31, 2016
Allowance for Loan Losses [Abstract]
Individually evaluated for impairment, allowance for loan losses	$ 1,953		$ 1,402
Collectively evaluated for impairment, allowance for loan losses	11,530		10,602
Total allowance for loan losses	13,483	$ 12,982	12,104	$ 12,359	$ 11,695	$ 10,836
Loans Balances [Abstract]
Individually evaluated for impairment, loan balances	17,596		24,931
Collectively evaluated for impairment, loan balances	1,015,425		1,019,345
Total loans	1,037,066		1,049,052
Acquired with Deteriorated Credit Quality [Member]
Allowance for Loan Losses [Abstract]
Total allowance for loan losses	0		100
Loans Balances [Abstract]
Individually evaluated for impairment, loan balances			199
Total loans	4,045		4,776
Residential Real Estate [Member]
Allowance for Loan Losses [Abstract]
Individually evaluated for impairment, allowance for loan losses	0		0
Collectively evaluated for impairment, allowance for loan losses	2,278		2,986
Total allowance for loan losses	2,278	2,254	2,986	3,001	2,973	2,948
Loans Balances [Abstract]
Individually evaluated for impairment, loan balances	298		308
Collectively evaluated for impairment, loan balances	339,081		337,200
Total loans	340,478		338,829
Residential Real Estate [Member] | Acquired with Deteriorated Credit Quality [Member]
Allowance for Loan Losses [Abstract]
Total allowance for loan losses	0		0
Loans Balances [Abstract]
Total loans	1,099		1,321
Multifamily Real Estate [Member]
Allowance for Loan Losses [Abstract]
Individually evaluated for impairment, allowance for loan losses	6		218
Collectively evaluated for impairment, allowance for loan losses	457		760
Total allowance for loan losses	463	557	978	1,236	1,337	785
Loans Balances [Abstract]
Individually evaluated for impairment, loan balances	1,906		2,462
Collectively evaluated for impairment, loan balances	52,696		59,689
Total loans	54,602		62,151
Multifamily Real Estate [Member] | Acquired with Deteriorated Credit Quality [Member]
Allowance for Loan Losses [Abstract]
Total allowance for loan losses	0		0
Loans Balances [Abstract]
Total loans	0		0
Commercial Real Estate [Member] | Owner Occupied [Member]
Allowance for Loan Losses [Abstract]
Individually evaluated for impairment, allowance for loan losses	385		307
Collectively evaluated for impairment, allowance for loan losses	1,422		1,346
Total allowance for loan losses	1,807	1,917	1,653	1,617	1,618	1,543
Loans Balances [Abstract]
Individually evaluated for impairment, loan balances	3,029		3,314
Collectively evaluated for impairment, loan balances	131,470		131,226
Total loans	135,884		136,048
Commercial Real Estate [Member] | Owner Occupied [Member] | Acquired with Deteriorated Credit Quality [Member]
Allowance for Loan Losses [Abstract]
Total allowance for loan losses	0		0
Loans Balances [Abstract]
Total loans	1,385		1,508
Commercial Real Estate [Member] | Non-Owner Occupied [Member]
Allowance for Loan Losses [Abstract]
Individually evaluated for impairment, allowance for loan losses	256		88
Collectively evaluated for impairment, allowance for loan losses	2,543		2,225
Total allowance for loan losses	2,799	2,437	2,313	2,607	2,334	2,350
Loans Balances [Abstract]
Individually evaluated for impairment, loan balances	7,415		11,578
Collectively evaluated for impairment, loan balances	219,295		219,124
Total loans	226,710		230,702
Commercial Real Estate [Member] | Non-Owner Occupied [Member] | Acquired with Deteriorated Credit Quality [Member]
Allowance for Loan Losses [Abstract]
Total allowance for loan losses	0		0
Loans Balances [Abstract]
Total loans	0		0
Commercial and Industrial [Member]
Allowance for Loan Losses [Abstract]
Individually evaluated for impairment, allowance for loan losses	111		104
Collectively evaluated for impairment, allowance for loan losses	1,613		897
Total allowance for loan losses	1,724	1,599	1,101	1,100	1,093	1,140
Loans Balances [Abstract]
Individually evaluated for impairment, loan balances	525		1,304
Collectively evaluated for impairment, loan balances	85,057		76,744
Total loans	85,585		78,259
Commercial and Industrial [Member] | Acquired with Deteriorated Credit Quality [Member]
Allowance for Loan Losses [Abstract]
Total allowance for loan losses	0		100
Loans Balances [Abstract]
Total loans	3		211
Consumer [Member]
Allowance for Loan Losses [Abstract]
Individually evaluated for impairment, allowance for loan losses	0		0
Collectively evaluated for impairment, allowance for loan losses	363		328
Total allowance for loan losses	363	354	328	367	373	347
Loans Balances [Abstract]
Individually evaluated for impairment, loan balances	0		0
Collectively evaluated for impairment, loan balances	28,129		28,293
Total loans	28,129		28,293
Consumer [Member] | Acquired with Deteriorated Credit Quality [Member]
Allowance for Loan Losses [Abstract]
Total allowance for loan losses	0		0
Loans Balances [Abstract]
Total loans	0		0
Construction and Land [Member]
Allowance for Loan Losses [Abstract]
Individually evaluated for impairment, allowance for loan losses	1,195		685
Collectively evaluated for impairment, allowance for loan losses	2,244		1,723
Total allowance for loan losses	3,439	3,253	2,408	1,963	1,675	1,397
Loans Balances [Abstract]
Individually evaluated for impairment, loan balances	4,423		5,672
Collectively evaluated for impairment, loan balances	126,444		131,890
Total loans	132,141		139,012
Construction and Land [Member] | Acquired with Deteriorated Credit Quality [Member]
Allowance for Loan Losses [Abstract]
Total allowance for loan losses			0
Loans Balances [Abstract]
Total loans	1,274		1,450
All Other [Member]
Allowance for Loan Losses [Abstract]
Individually evaluated for impairment, allowance for loan losses	0		0
Collectively evaluated for impairment, allowance for loan losses	610		337
Total allowance for loan losses	610	$ 611	337	$ 468	$ 292	$ 326
Loans Balances [Abstract]
Individually evaluated for impairment, loan balances	0		293
Collectively evaluated for impairment, loan balances	33,253		35,179
Total loans	33,537		35,758
All Other [Member] | Acquired with Deteriorated Credit Quality [Member]
Allowance for Loan Losses [Abstract]
Total allowance for loan losses	0		0
Loans Balances [Abstract]
Total loans	$ 284		$ 286

LOANS, Individually Evaluated F

LOANS, Individually Evaluated For Impairment (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Loans individually evaluated for impairment [Abstract]
Unpaid principal balance with no related allowance recorded	$ 8,015	$ 16,643
Unpaid principal balance with an allowance recorded	10,653	9,585
Unpaid principal balance, total	18,668	26,228
Recorded investment with no related allowance recorded	7,343	15,746
Recorded investment with an allowance recorded	10,253	9,384
Recorded investment, total	17,596	25,130
Allowance for loan losses allocated	1,953	1,502
Purchased financing receivable individually evaluated for impairment	17,596	24,931
Acquired with Deteriorated Credit Quality [Member]
Loans individually evaluated for impairment [Abstract]
Purchased financing receivable individually evaluated for impairment		199
Residential Real Estate [Member]
Loans individually evaluated for impairment [Abstract]
Unpaid principal balance with no related allowance recorded	430	446
Recorded investment with no related allowance recorded	298	308
Purchased financing receivable individually evaluated for impairment	298	308
Multifamily Real Estate [Member]
Loans individually evaluated for impairment [Abstract]
Unpaid principal balance with no related allowance recorded		334
Unpaid principal balance with an allowance recorded	2,012	2,128
Recorded investment with no related allowance recorded		334
Recorded investment with an allowance recorded	1,906	2,128
Allowance for loan losses allocated	6	218
Purchased financing receivable individually evaluated for impairment	1,906	2,462
Commercial Real Estate [Member] | Owner Occupied [Member]
Loans individually evaluated for impairment [Abstract]
Unpaid principal balance with no related allowance recorded	2,184	2,451
Unpaid principal balance with an allowance recorded	887	895
Recorded investment with no related allowance recorded	2,175	2,439
Recorded investment with an allowance recorded	854	875
Allowance for loan losses allocated	385	307
Purchased financing receivable individually evaluated for impairment	3,029	3,314
Commercial Real Estate [Member] | Non-Owner Occupied [Member]
Loans individually evaluated for impairment [Abstract]
Unpaid principal balance with no related allowance recorded	4,022	9,602
Unpaid principal balance with an allowance recorded	3,474	2,072
Recorded investment with no related allowance recorded	4,022	9,506
Recorded investment with an allowance recorded	3,393	2,072
Allowance for loan losses allocated	256	88
Purchased financing receivable individually evaluated for impairment	7,415	11,578
Commercial and Industrial [Member]
Loans individually evaluated for impairment [Abstract]
Unpaid principal balance with no related allowance recorded	801	1,719
Unpaid principal balance with an allowance recorded	263	466
Recorded investment with no related allowance recorded	270	1,188
Recorded investment with an allowance recorded	255	315
Allowance for loan losses allocated	111	204
Purchased financing receivable individually evaluated for impairment	525	1,304
Consumer [Member]
Loans individually evaluated for impairment [Abstract]
Purchased financing receivable individually evaluated for impairment	0	0
Construction and Land [Member]
Loans individually evaluated for impairment [Abstract]
Unpaid principal balance with no related allowance recorded	578	1,798
Unpaid principal balance with an allowance recorded	4,017	4,024
Recorded investment with no related allowance recorded	578	1,678
Recorded investment with an allowance recorded	3,845	3,994
Allowance for loan losses allocated	1,195	685
Purchased financing receivable individually evaluated for impairment	4,423	5,672
All Other [Member]
Loans individually evaluated for impairment [Abstract]
Unpaid principal balance with no related allowance recorded		293
Recorded investment with no related allowance recorded		293
Purchased financing receivable individually evaluated for impairment	$ 0	$ 293

LOANS, Average Balance of Loans

LOANS, Average Balance of Loans Individually Evaluated for Impairment and Interest Income Recognized (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017
Average Balance of Loans Individually Evaluated for Impairment and Interest Income Recognized [Abstract]
Average recorded investment	$ 17,909	$ 30,154	$ 20,500	$ 30,359
Interest income recognized	109	222	435	826
Cash basis interest recognized	109	216	435	810
Residential Real Estate [Member]
Average Balance of Loans Individually Evaluated for Impairment and Interest Income Recognized [Abstract]
Average recorded investment	299	323	301	339
Interest income recognized	0	0	0	1
Cash basis interest recognized	0	0	0	1
Multifamily Real Estate [Member]
Average Balance of Loans Individually Evaluated for Impairment and Interest Income Recognized [Abstract]
Average recorded investment	1,939	13,590	2,192	13,605
Interest income recognized	0	66	11	196
Cash basis interest recognized	0	60	11	181
Commercial Real Estate [Member] | Owner Occupied [Member]
Average Balance of Loans Individually Evaluated for Impairment and Interest Income Recognized [Abstract]
Average recorded investment	3,041	3,910	3,163	3,340
Interest income recognized	3	27	54	49
Cash basis interest recognized	3	27	54	49
Commercial Real Estate [Member] | Non-Owner Occupied [Member]
Average Balance of Loans Individually Evaluated for Impairment and Interest Income Recognized [Abstract]
Average recorded investment	7,489	3,749	9,005	2,955
Interest income recognized	86	63	327	124
Cash basis interest recognized	86	63	327	124
Commercial and Industrial [Member]
Average Balance of Loans Individually Evaluated for Impairment and Interest Income Recognized [Abstract]
Average recorded investment	532	1,390	990	1,474
Interest income recognized	5	13	21	114
Cash basis interest recognized	5	13	21	114
Consumer [Member]
Average Balance of Loans Individually Evaluated for Impairment and Interest Income Recognized [Abstract]
Average recorded investment	0	9	0	5
Interest income recognized	0	0	0	0
Cash basis interest recognized	0	0	0	0
Construction and Land [Member]
Average Balance of Loans Individually Evaluated for Impairment and Interest Income Recognized [Abstract]
Average recorded investment	4,467	6,884	4,633	8,337
Interest income recognized	9	48	12	328
Cash basis interest recognized	9	48	12	327
All Other [Member]
Average Balance of Loans Individually Evaluated for Impairment and Interest Income Recognized [Abstract]
Average recorded investment	142	299	216	304
Interest income recognized	6	5	10	14
Cash basis interest recognized	$ 6	$ 5	$ 10	$ 14

LOANS, Troubled Debt Restructur

LOANS, Troubled Debt Restructurings (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017	Dec. 31, 2017
Troubled Debt Restructurings [Abstract]
TDR's on Non-accrual	$ 8,243		$ 8,243		$ 7,172
Other TDR's	6,577		6,577		12,584
Total TDR's	14,820		14,820		19,756
Specific reserves allocated to loans that have restructured terms	1,275		1,275		1,029
Provision for loan losses on restructured loans	140	$ 706	303	$ 706
Commitments to lend additional amounts to borrowers	0		0		0
Residential Real Estate [Member]
Troubled Debt Restructurings [Abstract]
TDR's on Non-accrual	351		351		393
Other TDR's	100		100		107
Total TDR's	451		451		500
Multifamily Real Estate [Member]
Troubled Debt Restructurings [Abstract]
TDR's on Non-accrual	1,906		1,906		2,128
Other TDR's	0		0		0
Total TDR's	1,906		1,906		2,128
Commercial Real Estate [Member] | Owner Occupied [Member]
Troubled Debt Restructurings [Abstract]
TDR's on Non-accrual	1,949		1,949		601
Other TDR's	226		226		1,783
Total TDR's	2,175		2,175		2,384
Commercial Real Estate [Member] | Non-Owner Occupied [Member]
Troubled Debt Restructurings [Abstract]
TDR's on Non-accrual	0		0		0
Other TDR's	5,981		5,981		9,904
Total TDR's	5,981		5,981		9,904
Commercial and Industrial [Member]
Troubled Debt Restructurings [Abstract]
TDR's on Non-accrual	191		191		56
Other TDR's	270		270		497
Total TDR's	461		461		553
Construction and Land [Member]
Troubled Debt Restructurings [Abstract]
TDR's on Non-accrual	3,846		3,846		3,994
Other TDR's	0		0		0
Total TDR's	$ 3,846		$ 3,846		3,994
All Other [Member]
Troubled Debt Restructurings [Abstract]
TDR's on Non-accrual					0
Other TDR's					293
Total TDR's					$ 293

LOANS, TDR's Modified During Pe

LOANS, TDR's Modified During Period (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2018USD ($)Loan	Sep. 30, 2017USD ($)Loan	Sep. 30, 2018USD ($)Loan	Sep. 30, 2017USD ($)Loan
TDR's Modified During Period [Abstract]
Number of loans | Loan	0	2	0	5
Pre-modification outstanding recorded investment		$ 3,875		$ 5,591
Post-modification outstanding recorded investment		3,875		5,591
Increase in allowance for loan losses		88		88
TDR's with payment defaults within 12 months after modification	$ 0	$ 0	$ 0	$ 0
Commercial Real Estate [Member] | Owner Occupied [Member]
TDR's Modified During Period [Abstract]
Number of loans | Loan		0		2
Pre-modification outstanding recorded investment		$ 0		$ 1,525
Post-modification outstanding recorded investment		$ 0		$ 1,525
Commercial Real Estate [Member] | Non-Owner Occupied [Member]
TDR's Modified During Period [Abstract]
Number of loans | Loan		2		2
Pre-modification outstanding recorded investment		$ 3,875		$ 3,875
Post-modification outstanding recorded investment		$ 3,875		$ 3,875
Commercial & Industrial [Member]
TDR's Modified During Period [Abstract]
Number of loans | Loan		0		1
Pre-modification outstanding recorded investment		$ 0		$ 191
Post-modification outstanding recorded investment		$ 0		$ 191

LOANS, Risk Category of Loans b

LOANS, Risk Category of Loans by Class of Loans, Credit Quality Indicators (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Risk Category of Loans by Class of Loans [Abstract]
Loans	$ 1,037,066	$ 1,049,052
Residential Real Estate [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	340,478	338,829
Multifamily Real Estate [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	54,602	62,151
Commercial Real Estate [Member] | Owner Occupied [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	135,884	136,048
Commercial Real Estate [Member] | Non-Owner Occupied [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	226,710	230,702
Commercial and Industrial [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	85,585	78,259
Consumer [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	28,129	28,293
Construction and Land [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	132,141	139,012
All Other [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	33,537	35,758
Pass [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	957,083	981,350
Pass [Member] | Residential Real Estate [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	330,283	327,185
Pass [Member] | Multifamily Real Estate [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	47,634	55,084
Pass [Member] | Commercial Real Estate [Member] | Owner Occupied [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	124,609	124,244
Pass [Member] | Commercial Real Estate [Member] | Non-Owner Occupied [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	209,611	216,079
Pass [Member] | Commercial and Industrial [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	78,626	70,078
Pass [Member] | Consumer [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	27,649	27,889
Pass [Member] | Construction and Land [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	106,328	126,323
Pass [Member] | All Other [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	32,343	34,468
Special Mention [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	42,341	24,743
Special Mention [Member] | Residential Real Estate [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	1,107	667
Special Mention [Member] | Multifamily Real Estate [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	4,956	4,605
Special Mention [Member] | Commercial Real Estate [Member] | Owner Occupied [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	4,950	4,937
Special Mention [Member] | Commercial Real Estate [Member] | Non-Owner Occupied [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	6,223	2,428
Special Mention [Member] | Commercial and Industrial [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	4,224	5,851
Special Mention [Member] | Consumer [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	0	0
Special Mention [Member] | Construction and Land [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	20,441	5,460
Special Mention [Member] | All Other [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	440	795
Substandard [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	37,642	42,958
Substandard [Member] | Residential Real Estate [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	9,088	10,976
Substandard [Member] | Multifamily Real Estate [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	2,012	2,462
Substandard [Member] | Commercial Real Estate [Member] | Owner Occupied [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	6,325	6,867
Substandard [Member] | Commercial Real Estate [Member] | Non-Owner Occupied [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	10,876	12,195
Substandard [Member] | Commercial and Industrial [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	2,735	2,330
Substandard [Member] | Consumer [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	480	404
Substandard [Member] | Construction and Land [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	5,372	7,229
Substandard [Member] | All Other [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	754	495
Doubtful [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	0	1
Doubtful [Member] | Residential Real Estate [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	0	1
Doubtful [Member] | Multifamily Real Estate [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	0	0
Doubtful [Member] | Commercial Real Estate [Member] | Owner Occupied [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	0	0
Doubtful [Member] | Commercial Real Estate [Member] | Non-Owner Occupied [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	0	0
Doubtful [Member] | Commercial and Industrial [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	0	0
Doubtful [Member] | Consumer [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	0	0
Doubtful [Member] | Construction and Land [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	0
Doubtful [Member] | All Other [Member]
Risk Category of Loans by Class of Loans [Abstract]
Loans	$ 0	$ 0

STOCKHOLDERS' EQUITY AND REGU_3

STOCKHOLDERS' EQUITY AND REGULATORY MATTERS (Details) - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2018	Dec. 31, 2017
STOCKHOLDERS' EQUITY AND REGULATORY MATTERS [Abstract]
Number of previous years retained profit taken for dividend calculation	2 years
Funds available for dividends without prior approval	$ 7.7
Common Equity Tier 1 Capital (to Risk-Weighted Assets)	14.90%	13.90%
Common Equity Tier 1 Capital (to Risk-Weighted Assets), Regulatory Minimum Requirements	4.50%
Common Equity Tier 1 Capital (to Risk-Weighted Assets), To Be Considered Well Capitalized	6.50%
Tier I Capital (to Risk-Weighted Assets)	15.40%	14.40%
Tier I Capital (to Risk-Weighted Assets), Regulatory Minimum Requirements	6.00%
Tier I Capital (to Risk-Weighted Assets), To Be Considered Well Capitalized	8.00%
Total Capital (to Risk-Weighted Assets)	16.70%	15.60%
Total Capital (to Risk-Weighted Assets), Regulatory Minimum Requirements	8.00%
Total Capital (to Risk-Weighted Assets), To Be Considered Well Capitalized	10.00%
Tier I Capital (to Average Assets)	11.10%	10.70%
Tier I Capital (to Average Assets), Regulatory Minimum Requirements	4.00%
Tier I Capital (to Average Assets), To Be Considered Well Capitalized	5.00%
Capital conservation buffer	8.67%	7.56%

STOCK COMPENSATION EXPENSE (Det

STOCK COMPENSATION EXPENSE (Details) - USD ($) $ / shares in Units, $ in Thousands	Apr. 25, 2018	Mar. 21, 2018	Apr. 19, 2017	Mar. 15, 2017	Sep. 30, 2018	Sep. 30, 2017
Stock Compensation Expense [Abstract]
Compensation expense					$ 217	$ 194
Unrecognized stock-based compensation expense					$ 136
Unrecognized stock-based compensation, period of recognition					29 months
2012 Long Term Incentive Plan [Member] | Stock Options [Member]
Stock Compensation Expense [Abstract]
Grants (in shares)		67,875		69,375
Grants (in dollars per share)		$ 15.12		$ 15.21
2012 Long Term Incentive Plan [Member] | Stock Options [Member] | Granted On March 21 2018 [Member]
Stock Compensation Expense [Abstract]
Stock option vesting periods					3 years
2012 Long Term Incentive Plan [Member] | Stock Options [Member] | Granted on March 15, 2017 [Member]
Stock Compensation Expense [Abstract]
Stock option vesting periods					3 years
2012 Long Term Incentive Plan [Member] | President and CEO [Member] | Common Stock [Member]
Stock Compensation Expense [Abstract]
Stock granted (in shares)	7,500		7,500
Fair value of shares granted (in dollars per share)	$ 15.82		$ 16.56
Compensation expense	$ 119		$ 124

EARNINGS PER SHARE (Details)

EARNINGS PER SHARE (Details) $ / shares in Units, $ in Thousands	Jun. 08, 2018shares	Sep. 30, 2018USD ($)$ / sharesshares	Sep. 30, 2017USD ($)$ / sharesshares	Sep. 30, 2018USD ($)$ / sharesshares	Sep. 30, 2017USD ($)$ / sharesshares
Basic earnings per share [Abstract]
Income available to common stockholders | $		$ 5,021	$ 3,467	$ 14,529	$ 11,050
Weighted average common shares outstanding (in shares)		13,368,782	13,326,446	13,356,998	13,316,993
Earnings per share (in dollars per share) | $ / shares		$ 0.38	$ 0.26	$ 1.09	$ 0.83
Diluted earnings per share [Abstract]
Income available to common stockholders | $		$ 5,021	$ 3,467	$ 14,529	$ 11,050
Weighted average common shares outstanding (in shares)		13,368,782	13,326,446	13,356,998	13,316,993
Add dilutive effects of potential additional common stock (in shares)		123,624	97,243	102,578	100,522
Weighted average common and dilutive potential common shares outstanding (in shares)		13,492,406	13,423,689	13,459,576	13,417,515
Earnings per share assuming dilution (in dollars per share) | $ / shares		$ 0.37	$ 0.26	$ 1.08	$ 0.82
Earnings Per Share [Abstract]
Stock split ratio	1.25
Additional number of shares of common stock issued for every 4 shares of common stock already owned on record date (in shares)	1
Stock Options [Member]
Earnings Per Share [Abstract]
Securities not considered in computing diluted earnings per share (in shares)		0	0	0	0

FAIR VALUE, Carrying Amount and

FAIR VALUE, Carrying Amount and Estimated Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Financial assets [Abstract]
Securities available for sale	$ 315,225	$ 278,466
Carrying Amount [Member]
Financial assets [Abstract]
Cash and due from banks	107,616	78,005
Time deposits with other banks	2,086	2,582
Federal funds sold	7,589	4,658
Securities available for sale	315,225	278,466
Loans, net	1,023,583	1,036,948
Federal Home Loan Bank stock	3,173	3,185
Interest receivable	4,109	4,043
Financial liabilities [Abstract]
Deposits	(1,319,623)	(1,272,675)
Securities sold under agreements to repurchase	(24,728)	(23,310)
Other borrowed funds	(3,350)	(5,000)
Subordinated Debt	(5,398)	(5,376)
Interest payable	(497)	(393)
Fair Value [Member]
Financial assets [Abstract]
Cash and due from banks	107,616	78,005
Time deposits with other banks	2,075	2,581
Federal funds sold	7,589	4,658
Securities available for sale	315,225	278,466
Loans, net	1,012,036	1,016,723
Interest receivable	4,109	4,043
Financial liabilities [Abstract]
Deposits	(1,312,890)	(1,267,493)
Securities sold under agreements to repurchase	(24,728)	(23,310)
Other borrowed funds	(3,301)	(4,955)
Subordinated Debt	(5,482)	(5,439)
Interest payable	(497)	(393)
Fair Value [Member] | Level 1 [Member]
Financial assets [Abstract]
Cash and due from banks	107,616	78,005
Time deposits with other banks	0	0
Federal funds sold	7,589	4,658
Securities available for sale	0	0
Loans, net	0	0
Interest receivable	0	0
Financial liabilities [Abstract]
Deposits	(979,382)	(929,202)
Securities sold under agreements to repurchase	0	0
Other borrowed funds	0	0
Subordinated Debt	0	0
Interest payable	(14)	(7)
Fair Value [Member] | Level 2 [Member]
Financial assets [Abstract]
Cash and due from banks	0	0
Time deposits with other banks	2,075	2,581
Federal funds sold	0	0
Securities available for sale	315,225	278,466
Loans, net	0	0
Interest receivable	858	700
Financial liabilities [Abstract]
Deposits	(333,508)	(338,291)
Securities sold under agreements to repurchase	(24,728)	(23,310)
Other borrowed funds	(3,301)	(4,955)
Subordinated Debt	(5,482)	(5,439)
Interest payable	(483)	(386)
Fair Value [Member] | Level 3 [Member]
Financial assets [Abstract]
Cash and due from banks	0	0
Time deposits with other banks	0	0
Federal funds sold	0	0
Securities available for sale	0	0
Loans, net	1,012,036	1,016,723
Interest receivable	3,251	3,343
Financial liabilities [Abstract]
Deposits	0	0
Securities sold under agreements to repurchase	0	0
Other borrowed funds	0	0
Subordinated Debt	0	0
Interest payable	$ 0	$ 0

FAIR VALUE, Assets and Liabilit

FAIR VALUE, Assets and Liabilities Measured at Fair Value on Recurring Basis (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Available for sale [Abstract]
Securities available for sale	$ 315,225	$ 278,466
Carrying Value [Member]
Available for sale [Abstract]
Securities available for sale	315,225	278,466
Fair Value [Member]
Available for sale [Abstract]
Securities available for sale	315,225	278,466
Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Available for sale [Abstract]
Securities available for sale	0	0
Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]
Available for sale [Abstract]
Securities available for sale	315,225	278,466
Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Available for sale [Abstract]
Securities available for sale	0	0
U.S. Agency MBS - Residential [Member]
Available for sale [Abstract]
Securities available for sale	222,157	196,590
U.S. Agency CMO's - Residential [Member]
Available for sale [Abstract]
Securities available for sale	71,380	51,108
Total Mortgage-Backed Securities of Government Sponsored Agencies [Member]
Available for sale [Abstract]
Securities available for sale	293,537	247,698
U.S. Government Sponsored Agency Securities [Member]
Available for sale [Abstract]
Securities available for sale	13,002	19,134
Obligations of States and Political Subdivisions [Member]
Available for sale [Abstract]
Securities available for sale	8,686	11,634
Recurring [Member] | Carrying Value [Member]
Available for sale [Abstract]
Securities available for sale	315,225	278,466
Recurring [Member] | Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] | Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]
Available for sale [Abstract]
Securities available for sale	315,225	278,466
Recurring [Member] | Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] | U.S. Agency MBS - Residential [Member] | Carrying Value [Member]
Available for sale [Abstract]
Securities available for sale	222,157	196,590
Recurring [Member] | U.S. Agency MBS - Residential [Member] | Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] | U.S. Agency MBS - Residential [Member] | Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]
Available for sale [Abstract]
Securities available for sale	222,157	196,590
Recurring [Member] | U.S. Agency MBS - Residential [Member] | Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] | U.S. Agency CMO's - Residential [Member] | Carrying Value [Member]
Available for sale [Abstract]
Securities available for sale	71,380	51,108
Recurring [Member] | U.S. Agency CMO's - Residential [Member] | Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] | U.S. Agency CMO's - Residential [Member] | Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]
Available for sale [Abstract]
Securities available for sale	71,380	51,108
Recurring [Member] | U.S. Agency CMO's - Residential [Member] | Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] | Total Mortgage-Backed Securities of Government Sponsored Agencies [Member] | Carrying Value [Member]
Available for sale [Abstract]
Securities available for sale	293,537	247,698
Recurring [Member] | Total Mortgage-Backed Securities of Government Sponsored Agencies [Member] | Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] | Total Mortgage-Backed Securities of Government Sponsored Agencies [Member] | Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]
Available for sale [Abstract]
Securities available for sale	293,537	247,698
Recurring [Member] | Total Mortgage-Backed Securities of Government Sponsored Agencies [Member] | Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] | U.S. Government Sponsored Agency Securities [Member] | Carrying Value [Member]
Available for sale [Abstract]
Securities available for sale	13,002	19,134
Recurring [Member] | U.S. Government Sponsored Agency Securities [Member] | Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] | U.S. Government Sponsored Agency Securities [Member] | Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]
Available for sale [Abstract]
Securities available for sale	13,002	19,134
Recurring [Member] | U.S. Government Sponsored Agency Securities [Member] | Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] | Obligations of States and Political Subdivisions [Member] | Carrying Value [Member]
Available for sale [Abstract]
Securities available for sale	8,686	11,634
Recurring [Member] | Obligations of States and Political Subdivisions [Member] | Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] | Obligations of States and Political Subdivisions [Member] | Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]
Available for sale [Abstract]
Securities available for sale	8,686	11,634
Recurring [Member] | Obligations of States and Political Subdivisions [Member] | Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Available for sale [Abstract]
Securities available for sale	$ 0	$ 0

FAIR VALUE, Assets and Liabil_2

FAIR VALUE, Assets and Liabilities Measured at Fair Value on Nonrecurring Basis (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017	Dec. 31, 2017
Assets [Abstract]
Total impaired loans	$ 8,300		$ 8,300		$ 7,882
Total OREO	806		806		2,641
Impaired Loans, Additional Disclosure [Abstract]
Recorded investment in impaired loans carried at fair value	10,253		10,253		9,384
Valuation allowance for impaired loans	1,953		1,953		1,502
Impaired collateral dependent loans, provision for loan losses	348	$ 423	868	$ 1,165
Other Real Estate Owned, Additional Disclosure [Abstract]
Recorded investment in other real estate owned carried at fair value - gross	1,438		1,438		4,082
Valuation allowance for other real estate owned	632		632		1,441
Write downs	0	$ 111	120	$ 474
Residential Real Estate [Member]
Assets [Abstract]
Total OREO	281		281		352
Multifamily Real Estate [Member]
Assets [Abstract]
Total impaired loans	1,900		1,900		1,910
Impaired Loans, Additional Disclosure [Abstract]
Valuation allowance for impaired loans	6		6		218
Commercial Real Estate [Member] | Owner Occupied [Member]
Assets [Abstract]
Total impaired loans	469		469		568
Total OREO	175		175		175
Impaired Loans, Additional Disclosure [Abstract]
Valuation allowance for impaired loans	385		385		307
Commercial Real Estate [Member] | Non-Owner Occupied [Member]
Assets [Abstract]
Total impaired loans	3,137		3,137		1,984
Total OREO	200		200		200
Impaired Loans, Additional Disclosure [Abstract]
Valuation allowance for impaired loans	256		256		88
Commercial and Industrial [Member]
Assets [Abstract]
Total impaired loans	144		144		111
Impaired Loans, Additional Disclosure [Abstract]
Valuation allowance for impaired loans	111		111		204
Construction and Land [Member]
Assets [Abstract]
Total impaired loans	2,650		2,650		3,309
Total OREO	150		150		1,914
Impaired Loans, Additional Disclosure [Abstract]
Valuation allowance for impaired loans	1,195		1,195		685
Nonrecurring [Member] | Carrying Amount [Member]
Assets [Abstract]
Total impaired loans	8,300		8,300		7,882
Total OREO	806		806		2,641
Nonrecurring [Member] | Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Total impaired loans	0		0		0
Total OREO	0		0		0
Nonrecurring [Member] | Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Total impaired loans	0		0		0
Total OREO	0		0		0
Nonrecurring [Member] | Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets [Abstract]
Total impaired loans	8,300		8,300		7,882
Total OREO	806		806		2,641
Nonrecurring [Member] | Residential Real Estate [Member] | Carrying Amount [Member]
Assets [Abstract]
Total OREO	281		281		352
Nonrecurring [Member] | Residential Real Estate [Member] | Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Total OREO	0		0		0
Nonrecurring [Member] | Residential Real Estate [Member] | Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Total OREO	0		0		0
Nonrecurring [Member] | Residential Real Estate [Member] | Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets [Abstract]
Total OREO	281		281		352
Nonrecurring [Member] | Multifamily Real Estate [Member] | Carrying Amount [Member]
Assets [Abstract]
Total impaired loans	1,900		1,900		1,910
Nonrecurring [Member] | Multifamily Real Estate [Member] | Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Total impaired loans	0		0		0
Nonrecurring [Member] | Multifamily Real Estate [Member] | Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Total impaired loans	0		0		0
Nonrecurring [Member] | Multifamily Real Estate [Member] | Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets [Abstract]
Total impaired loans	1,900		1,900		1,910
Nonrecurring [Member] | Commercial Real Estate [Member] | Owner Occupied [Member] | Carrying Amount [Member]
Assets [Abstract]
Total impaired loans	469		469		568
Total OREO	175		175		175
Nonrecurring [Member] | Commercial Real Estate [Member] | Owner Occupied [Member] | Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Total impaired loans	0		0		0
Total OREO	0		0		0
Nonrecurring [Member] | Commercial Real Estate [Member] | Owner Occupied [Member] | Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Total impaired loans	0		0		0
Total OREO	0		0		0
Nonrecurring [Member] | Commercial Real Estate [Member] | Owner Occupied [Member] | Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets [Abstract]
Total impaired loans	469		469		568
Total OREO	175		175		175
Nonrecurring [Member] | Commercial Real Estate [Member] | Non-Owner Occupied [Member] | Carrying Amount [Member]
Assets [Abstract]
Total impaired loans	3,137		3,137		1,984
Total OREO	200		200		200
Nonrecurring [Member] | Commercial Real Estate [Member] | Non-Owner Occupied [Member] | Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Total impaired loans	0		0		0
Total OREO	0		0		0
Nonrecurring [Member] | Commercial Real Estate [Member] | Non-Owner Occupied [Member] | Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Total impaired loans	0		0		0
Total OREO	0		0		0
Nonrecurring [Member] | Commercial Real Estate [Member] | Non-Owner Occupied [Member] | Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets [Abstract]
Total impaired loans	3,137		3,137		1,984
Total OREO	200		200		200
Nonrecurring [Member] | Commercial and Industrial [Member] | Carrying Amount [Member]
Assets [Abstract]
Total impaired loans	144		144		111
Nonrecurring [Member] | Commercial and Industrial [Member] | Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Total impaired loans	0		0		0
Nonrecurring [Member] | Commercial and Industrial [Member] | Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Total impaired loans	0		0		0
Nonrecurring [Member] | Commercial and Industrial [Member] | Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets [Abstract]
Total impaired loans	144		144		111
Nonrecurring [Member] | Construction and Land [Member] | Carrying Amount [Member]
Assets [Abstract]
Total impaired loans	2,650		2,650		3,309
Total OREO	150		150		1,914
Nonrecurring [Member] | Construction and Land [Member] | Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Total impaired loans	0		0		0
Total OREO	0		0		0
Nonrecurring [Member] | Construction and Land [Member] | Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Total impaired loans	0		0		0
Total OREO	0		0		0
Nonrecurring [Member] | Construction and Land [Member] | Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets [Abstract]
Total impaired loans	2,650		2,650		3,309
Total OREO	$ 150		$ 150		$ 1,914

FAIR VALUE, Asset Quantitative

FAIR VALUE, Asset Quantitative Information (Details) $ in Thousands	Sep. 30, 2018USD ($)	Dec. 31, 2017USD ($)
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans	$ 8,300	$ 7,882
Other real estate owned	806	2,641
Multifamily Real Estate [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans	$ 1,900	$ 1,910
Multifamily Real Estate [Member] | Sales Comparison [Member] | Minimum [Member] | Adjustment for Estimated Realizable Value [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, unobservable inputs	0.467	0.460
Multifamily Real Estate [Member] | Sales Comparison [Member] | Maximum [Member] | Adjustment for Estimated Realizable Value [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, unobservable inputs	0.467	0.467
Multifamily Real Estate [Member] | Sales Comparison [Member] | Weighted Average [Member] | Adjustment for Estimated Realizable Value [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, unobservable inputs	0.467	0.464
Residential Real Estate [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Other real estate owned	$ 281	$ 352
Other real estate owned, valuation technique [Extensible List]	us-gaap:MarketApproachValuationTechniqueMember	us-gaap:MarketApproachValuationTechniqueMember
Other real estate owned, measurement input [Extensible List]	us-gaap:MeasurementInputComparabilityAdjustmentMember	us-gaap:MeasurementInputComparabilityAdjustmentMember
Residential Real Estate [Member] | Minimum [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Other real estate owned, unobservable inputs	0.110	0.088
Residential Real Estate [Member] | Maximum [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Other real estate owned, unobservable inputs	0.192	0.502
Residential Real Estate [Member] | Weighted Average [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Other real estate owned, unobservable inputs	0.142	0.200
Commercial Real Estate [Member] | Owner Occupied [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans	$ 469	$ 568
Other real estate owned	$ 175	$ 175
Other real estate owned, valuation technique [Extensible List]	us-gaap:MarketApproachValuationTechniqueMember	us-gaap:MarketApproachValuationTechniqueMember
Other real estate owned, measurement input [Extensible List]	us-gaap:MeasurementInputComparabilityAdjustmentMember	us-gaap:MeasurementInputComparabilityAdjustmentMember
Commercial Real Estate [Member] | Owner Occupied [Member] | Minimum [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Other real estate owned, unobservable inputs	0.218	0.218
Commercial Real Estate [Member] | Owner Occupied [Member] | Maximum [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Other real estate owned, unobservable inputs	0.218	0.218
Commercial Real Estate [Member] | Owner Occupied [Member] | Weighted Average [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Other real estate owned, unobservable inputs	0.218	0.218
Commercial Real Estate [Member] | Owner Occupied [Member] | Sales Comparison [Member] | Minimum [Member] | Adjustment for Estimated Realizable Value [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, unobservable inputs	0.369	0.231
Commercial Real Estate [Member] | Owner Occupied [Member] | Sales Comparison [Member] | Maximum [Member] | Adjustment for Estimated Realizable Value [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, unobservable inputs	0.369	0.231
Commercial Real Estate [Member] | Owner Occupied [Member] | Sales Comparison [Member] | Weighted Average [Member] | Adjustment for Estimated Realizable Value [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, unobservable inputs	0.369	0.231
Commercial Real Estate [Member] | Non-Owner Occupied [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans	$ 3,137	$ 1,984
Other real estate owned	$ 200	$ 200
Other real estate owned, valuation technique [Extensible List]	us-gaap:MarketApproachValuationTechniqueMember	us-gaap:MarketApproachValuationTechniqueMember
Other real estate owned, measurement input [Extensible List]	us-gaap:MeasurementInputComparabilityAdjustmentMember	us-gaap:MeasurementInputComparabilityAdjustmentMember
Commercial Real Estate [Member] | Non-Owner Occupied [Member] | Minimum [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Other real estate owned, unobservable inputs	0.589	0.589
Commercial Real Estate [Member] | Non-Owner Occupied [Member] | Maximum [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Other real estate owned, unobservable inputs	0.589	0.589
Commercial Real Estate [Member] | Non-Owner Occupied [Member] | Weighted Average [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Other real estate owned, unobservable inputs	0.589	0.589
Commercial Real Estate [Member] | Non-Owner Occupied [Member] | Income Approach [Member] | Minimum [Member] | Adjustment for Differences in Net Operating Income Expectations [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, unobservable inputs	0.659	0.674
Commercial Real Estate [Member] | Non-Owner Occupied [Member] | Income Approach [Member] | Maximum [Member] | Adjustment for Differences in Net Operating Income Expectations [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, unobservable inputs	0.936	0.674
Commercial Real Estate [Member] | Non-Owner Occupied [Member] | Income Approach [Member] | Weighted Average [Member] | Adjustment for Differences in Net Operating Income Expectations [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, unobservable inputs	0.705	0.674
Commercial and Industrial [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans	$ 144	$ 111
Commercial and Industrial [Member] | Sales Comparison [Member] | Minimum [Member] | Adjustment for Estimated Realizable Value [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, unobservable inputs		0.080
Commercial and Industrial [Member] | Sales Comparison [Member] | Maximum [Member] | Adjustment for Estimated Realizable Value [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, unobservable inputs		0.711
Commercial and Industrial [Member] | Sales Comparison [Member] | Weighted Average [Member] | Adjustment for Estimated Realizable Value [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, unobservable inputs		0.642
Commercial and Industrial [Member] | Discounted Cash Flows [Member] | Minimum [Member] | Recovery Probability [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, unobservable inputs
Commercial and Industrial [Member] | Discounted Cash Flows [Member] | Maximum [Member] | Recovery Probability [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, unobservable inputs
Commercial and Industrial [Member] | Discounted Cash Flows [Member] | Weighted Average [Member] | Recovery Probability [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, unobservable inputs
Construction and Land [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans	$ 2,650	$ 3,309
Other real estate owned	$ 150	$ 1,914
Other real estate owned, valuation technique [Extensible List]	us-gaap:MarketApproachValuationTechniqueMember	us-gaap:MarketApproachValuationTechniqueMember
Other real estate owned, measurement input [Extensible List]	us-gaap:MeasurementInputComparabilityAdjustmentMember	us-gaap:MeasurementInputComparabilityAdjustmentMember
Construction and Land [Member] | Minimum [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Other real estate owned, unobservable inputs	0.503	0.252
Construction and Land [Member] | Maximum [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Other real estate owned, unobservable inputs	0.503	0.690
Construction and Land [Member] | Weighted Average [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Other real estate owned, unobservable inputs	0.503	0.278
Construction and Land [Member] | Sales Comparison [Member] | Minimum [Member] | Adjustment for Percentage of Completion of Construction [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, unobservable inputs	0.423	0.277
Construction and Land [Member] | Sales Comparison [Member] | Maximum [Member] | Adjustment for Percentage of Completion of Construction [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, unobservable inputs	0.423	0.277
Construction and Land [Member] | Sales Comparison [Member] | Weighted Average [Member] | Adjustment for Percentage of Completion of Construction [Member]
Significant Unobservable Inputs Related to Assets and Liabilities Measured at Fair Value [Abstract]
Impaired loans, unobservable inputs	0.423	0.277

SUBSEQUENT EVENT (Details)

SUBSEQUENT EVENT (Details) - First Bank of Charleston, Inc [Member] - USD ($) $ / shares in Units, $ in Millions	Oct. 12, 2018	Apr. 18, 2018
Merger Agreement [Abstract]
Merger consideration entitled to common stock (in shares)		1.199
Cash to be issued in acquisition (in dollars per share)		$ 5
Number of shares to be issued in acquisition (in shares)		1,249,000
Subsequent Event [Member]
Merger Agreement [Abstract]
Assets acquired	$ 174.1
Special dividend received by shareholders of acquired entity in acquisition (in dollars per share)	$ 5
Estimated value of transaction including special dividend	$ 32.8