CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) shares in Thousands, $ in Thousands	3 Months Ended	6 Months Ended
Jun. 30, 2018	Jun. 30, 2017	Jun. 30, 2018	Jun. 30, 2017
INTEREST INCOME
Interest and fees on loans	$ 10,125	$ 9,778	$ 19,943	$ 19,334
Interest bearing deposits	5	3	9	5
Short-term investments in money market funds	47	27	90	51
Investment securities:
Available for sale	1,101	945	2,130	1,846
Held to maturity	325	298	648	563
Total Interest Income	11,603	11,051	22,820	21,799
INTEREST EXPENSE
Deposits	1,973	1,504	3,754	2,940
Short-term borrowings	170	67	262	86
Advances from Federal Home Loan Bank	192	171	378	333
Guaranteed junior subordinated deferrable interest debentures	280	280	560	560
Subordinated debt	130	130	260	260
Total Interest Expense	2,745	2,152	5,214	4,179
NET INTEREST INCOME	8,858	8,899	17,606	17,620
Provision for loan losses	50	325	100	550
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	8,808	8,574	17,506	17,070
NON-INTEREST INCOME
Wealth management fees	2,447	2,240	4,873	4,550
Service charges on deposit accounts	357	385	740	759
Net gains on sale of loans	119	186	217	300
Mortgage related fees	72	83	111	158
Net realized gains (losses) on investment securities	0	32	(148)	59
Bank owned life insurance	133	310	265	451
Other income	553	519	1,258	1,040
Total Non-Interest Income	3,681	3,755	7,316	7,317
NON-INTEREST EXPENSE
Salaries and employee benefits	6,218	5,917	12,311	11,865
Net occupancy expense	611	639	1,281	1,313
Equipment expense	378	434	769	853
Professional fees	1,252	1,415	2,436	2,615
Supplies, postage and freight	164	161	332	355
Miscellaneous taxes and insurance	276	311	566	605
Federal deposit insurance expense	155	152	317	312
Other expense	1,256	1,288	2,418	2,484
Total Non-Interest Expense	10,310	10,317	20,430	20,402
PRETAX INCOME	2,179	2,012	4,392	3,985
Provision for income tax expense	435	623	881	1,248
NET INCOME	$ 1,744	$ 1,389	$ 3,511	$ 2,737
Basic:
Net income	$ 0.10	$ 0.07	$ 0.19	$ 0.15
Average number of shares outstanding	18,038	18,580	18,058	18,696
Diluted:
Net income	$ 0.10	$ 0.07	$ 0.19	$ 0.15
Average number of shares outstanding	18,140	18,699	18,158	18,808
Cash dividends declared	$ 0.020	$ 0.015	$ 0.035	$ 0.030

Includes amounts charged depositors for: (1) maintenance of their accounts (maintenance charges); (2) failure to maintain specified minimum balances on account; (3) exceeding the number of checks or transactions allowed to be processed in a given period; (4) checks drawn on no minimum balance deposit accounts; (5) withdrawals from nontransaction deposit accounts; (6) closing savings accounts before a specified minimum period of time has elapsed; (7) accounts which have remained inactive for extended periods of time or which have become dormant; (8) use of automated teller machines or remote service units; (9) checks drawn against insufficient funds that the bank assesses regardless of whether it decides to pay, return or hold the check; (10) issuing stop payment orders; (11) certifying checks; and (12) accumulating or disbursing funds deposited in IRAs or Keogh Plan accounts when not handled by the bank's trust department. This item does not include penalties assessed on the early with

No definition available.