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LOANS AND ASSET QUALITY (Tables)

9 Months Ended

Sep. 30, 2016

Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]

Schedule of current, past due, and non-accrual loans by categories of loans and restructured loans

At September 30, 2016										90 Days or
(Dollars in Thousands)						30-89 Days				More and
		Current				Past Due				Still Accruing				Nonaccrual				Total
Commercial and industrial		$	4,745			$	-			$	-			$	-			$	4,745
Commercial real estate			63,917				-				-				615				64,532
Consumer and indirect			78,875				892				-				408				80,175
Residential real estate			109,433				712				170				1,335				111,650
		$	256,970			$	1,604			$	170			$	2,358			$	261,102
At December 31, 2015										90 Days or
(Dollars in Thousands)						30-89 Days				More and
		Current				Past Due				Still Accruing				Nonaccrual				Total
Commercial and industrial		$	4,540			$	-			$	-			$	-			$	4,540
Commercial real estate			64,270				2				-				-				64,272
Consumer and indirect			73,568				1,122				16				597				75,303
Residential real estate			115,715				806				39				3,183				119,743
		$	258,093			$	1,930			$	55			$	3,780			$	263,858

Schedule of allowance for loan loss and the unearned income on loans

		At				At
		September 30,				December 31,
		2016				2015
		(Dollars in Thousands)
Troubled debt restructured loans		$	318			$	290
Non-accrual and 90 days or more and still accruing loans to gross loans			0.97	%			1.45	%
Allowance for credit losses to non-accrual and 90 days or more and still accruing loans			91.57	%			82.14	%

Schedule of impaired financing receivables

(Dollars in thousands)
September 30, 2016		Recorded Investment				Unpaid Principal Balance				Interest Income Recognized				Specific Reserve				Average Recorded Investment
Impaired loans with specific reserves:
Real-estate - mortgage:
Residential		$	79				79				-				18				111
Commercial			290				290				-				109				303
Consumer			134				134				-				54				167
Installment			-				-				-				-				-
Home Equity			-				-				-				-				-
Commercial			232				232				8				232				236
Total impaired loans with specific reserves		$	735				735				8				413				817
Impaired loans with no specific reserve:
Real-estate - mortgage:
Residential		$	1,538				2,318				16				n/a				2,482
Commercial			1,111				1,111				28				n/a				1,136
Consumer			139				139				-				n/a				174
Installment			135				135				-				n/a				135
Home Equity			-				-				-				n/a				-
Commercial			2				2				-				n/a				3
Total impaired loans with no specific reserve		$	2,925				3,705				44				-				3,930

(Dollars in thousands)
December 31, 2015		Recorded Investment				Unpaid Principal Balance				Interest Income Recognized				Specific Reserve				Average Recorded Investment
Impaired loans with specific reserves:
Real-estate - mortgage:
Residential		$	1,809				1,809				57				697				1,820
Commercial			300				300				-				101				315
Consumer			146				146				-				65				170
Installment			-				-				-				-				-
Home Equity			-				-				-				-				-
Commercial			241				241				10				241				247
Total impaired loans with specific reserves		$	2,496				2,496				67				1,104				2,552
Impaired loans with no specific reserve:
Real-estate - mortgage:
Residential		$	983				1,116				14				n/a				1,171
Commercial			843				843				38				n/a				876
Consumer			365				449				2				n/a				453
Installment			440				440				-				n/a				-
Home Equity			-				-				-				n/a				-
Commercial			-				-				-				n/a				-
Total impaired loans with no specific reserve		$	2,631				2,848				54				-				2,500

Schedule of risk ratings of loans by categories of loans

		Commercial								Consumer
September 30, 2016		and				Commercial				and				Residential
(Dollars in Thousands)		Industrial				Real Estate				Indirect				Real Estate				Total
Pass		$	4,438			$	58,772			$	78,531			$	108,704			$	250,445
Special mention			75				4,359				1,148				1,538				7,120
Substandard			232				1,401				414				1,223				3,270
Doubtful			-				-				82				185				267
Loss			-				-				-				-				-
		$	4,745			$	64,532			$	80,175			$	111,650			$	261,102
Non-accrual			-				615				408				1,335				2,358
Troubled debt restructures			232				-				37				49				318
Number of TDRs contracts			1				-				1				1				3
Non-performing TDRs			-				-				-				-				-
Number of TDR accounts			-				-				-				-				-

		Commercial								Consumer
December 31, 2015		and				Commercial				and				Residential
(Dollars in Thousands)		Industrial				Real Estate				Indirect				Real Estate				Total
Pass		$	3,879			$	58,706			$	72,976			$	116,596			$	252,157
Special mention			168				4,422				1,653				539				6,782
Substandard			493				1,144				509				2,076				4,222
Doubtful			-				-				165				532				697
Loss			-				-				-				-				-
		$	4,540			$	64,272			$	75,303			$	119,743			$	263,858
Non-accrual			-				-				597				3,183				3,780
Troubled debt restructures			241				-				-				49				290
Number of TDRs contracts			1				-				-				1				2
Non-performing TDRs			-				-				-				-				-
Number of TDR accounts			-				-				-				-				-

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Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

+ References

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-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11B
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Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 55
-Paragraph 19
-URI http://asc.fasb.org/extlink&oid=32702940&loc=SL6953803-111525

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 29
-URI http://asc.fasb.org/extlink&oid=66008989&loc=SL6953659-111524

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Tabular disclosure of impaired financing receivables.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
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Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=66008989&loc=d3e5111-111524

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-Publisher FASB
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-Topic 310
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-Section 50
-Paragraph 7A
-URI http://asc.fasb.org/extlink&oid=66008989&loc=SL6953401-111524

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