CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) shares in Thousands, $ in Thousands	3 Months Ended	9 Months Ended
Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017
INTEREST INCOME
Interest and fees on loans	$ 10,607	$ 9,855	$ 30,550	$ 29,189
Interest bearing deposits	5	3	14	8
Short-term investments in money market funds	60	42	150	93
Investment securities:
Available for sale	1,144	973	3,274	2,819
Held to maturity	333	314	981	877
Total Interest Income	12,149	11,187	34,969	32,986
INTEREST EXPENSE
Deposits	2,164	1,618	5,918	4,558
Short-term borrowings	267	44	529	130
Advances from Federal Home Loan Bank	199	178	577	511
Guaranteed junior subordinated deferrable interest debentures	280	280	840	840
Subordinated debt	130	130	390	390
Total Interest Expense	3,040	2,250	8,254	6,429
NET INTEREST INCOME	9,109	8,937	26,715	26,557
Provision for loan losses	0	200	100	750
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	9,109	8,737	26,615	25,807
NON-INTEREST INCOME
Wealth management fees	2,359	2,208	7,232	6,758
Service charges on deposit accounts	326	409	1,066	1,168
Net gains on sale of loans	176	217	393	517
Mortgage related fees	54	69	165	227
Net realized gains (losses) on investment securities	0	56	(148)	115
Bank owned life insurance	135	143	400	594
Other income	536	527	1,794	1,567
Total Non-Interest Income	3,586	3,629	10,902	10,946
NON-INTEREST EXPENSE
Salaries and employee benefits	5,815	5,943	18,126	17,808
Net occupancy expense	585	634	1,866	1,947
Equipment expense	335	343	1,104	1,196
Professional fees	1,321	1,213	3,757	3,828
Supplies, postage and freight	159	161	491	516
Miscellaneous taxes and insurance	276	319	842	924
Federal deposit insurance expense	140	156	457	468
Other expense	1,483	1,345	3,901	3,829
Total Non-Interest Expense	10,114	10,114	30,544	30,516
PRETAX INCOME	2,581	2,252	6,973	6,237
Provision for income tax expense	252	701	1,133	1,949
NET INCOME	$ 2,329	$ 1,551	$ 5,840	$ 4,288
Basic:
Net income	$ 0.13	$ 0.08	$ 0.32	$ 0.23
Average number of shares outstanding	17,924	18,380	18,013	18,590
Diluted:
Net income	$ 0.13	$ 0.08	$ 0.32	$ 0.23
Average number of shares outstanding	18,036	18,481	18,117	18,689
Cash dividends declared	$ 0.020	$ 0.015	$ 0.055	$ 0.045

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.