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CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2019
Sep. 30, 2018
Sep. 30, 2019
Sep. 30, 2018
INTEREST AND DIVIDEND INCOME        
Loans, including fees $ 16,057 $ 14,966 $ 47,763 $ 43,746
Securities:        
Taxable 1,079 929 3,078 2,761
Tax-exempt 31 51 113 175
Dividends 78 77 253 229
Other 452 259 830 490
Total Interest Income 17,697 16,282 52,037 47,401
INTEREST EXPENSE        
Deposits 2,158 1,341 5,814 3,681
Short-term borrowings 21 2 73 29
Long-term borrowings 473 526 1,470 1,625
Total Interest Expense 2,652 1,869 7,357 5,335
Net Interest Income 15,045 14,413 44,680 42,066
PROVISION FOR LOAN LOSSES 150 200 425 770
Net Interest Income after Provision for Loan Losses 14,895 14,213 44,255 41,296
OTHER INCOME        
Earnings on investment in bank-owned life insurance 296 269 869 807
Gain on life insurance proceeds 0 0 0 52
Net gains on sales of securities 0 31 0 44
Net gains (losses) on equity securities 31 (23) 193 (50)
Commissions from insurance sales 1,763 1,450 4,997 4,358
Other 531 318 1,075 963
Total Other Income 4,941 4,125 13,701 12,154
OTHER EXPENSES        
Salaries and employee benefits 7,340 6,560 21,494 19,870
Net occupancy 739 700 2,336 2,199
Equipment 1,165 1,276 3,487 3,759
Other tax 269 243 805 684
Professional services 263 371 746 1,084
Supplies and postage 163 183 547 575
Marketing and corporate relations 132 98 442 366
FDIC and regulatory 53 173 382 521
Merger related expenses 516 0 516 0
Intangible assets amortization 154 175 467 541
Foreclosed real estate expenses (income) 46 (27) (10) 105
Other operating 1,134 1,104 3,708 3,389
Total Other Expenses 11,974 10,856 34,920 33,093
Income before Income Taxes 7,862 7,482 23,036 20,357
PROVISION FOR INCOME TAXES 1,552 1,443 4,396 3,898
Net Income $ 6,310 $ 6,039 $ 18,640 $ 16,459
PER SHARE DATA        
Basic earnings (in dollars per share) $ 0.89 $ 0.86 $ 2.64 $ 2.34
Cash dividends declared (in dollars per share) $ 0.25 $ 0.23 $ 0.73 $ 0.66
Service charges on deposit accounts        
OTHER INCOME        
Revenue from contract with customer, excluding assessed tax $ 1,017 $ 839 $ 2,901 $ 2,465
Income from fiduciary, investment management and brokerage activities        
OTHER INCOME        
Revenue from contract with customer, excluding assessed tax 651 632 1,841 1,762
Service charges on ATM and debit card transactions        
OTHER INCOME        
Revenue from contract with customer, excluding assessed tax $ 652 $ 609 $ 1,825 $ 1,753