CONSOLIDATED STATEMENT OF CASH FLOWS (UNAUDITED) (USD $) In Thousands, unless otherwise specified	3 Months Ended
Mar. 31, 2015	Mar. 31, 2014
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 3,120us-gaap_NetIncomeLoss	$ 3,176us-gaap_NetIncomeLoss
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	120us-gaap_ProvisionForLoanAndLeaseLosses	180us-gaap_ProvisionForLoanAndLeaseLosses
Depreciation and amortization	125	127
Amortization and accretion on investment securities	516	575
Deferred income taxes	(128)us-gaap_DeferredIncomeTaxExpenseBenefit	(49)us-gaap_DeferredIncomeTaxExpenseBenefit
Investment securities gains, net	(126)us-gaap_GainLossOnSaleOfSecuritiesNet	(171)us-gaap_GainLossOnSaleOfSecuritiesNet
Earnings on bank owned life insurance	(152)us-gaap_BankOwnedLifeInsuranceIncome	(121)us-gaap_BankOwnedLifeInsuranceIncome
Originations of loans held for sale	(3,155)	(2,785)
Proceeds from sales of loans held for sale	2,661	2,861
Realized gains on loans sold	(38)us-gaap_GainLossOnSaleOfMortgageLoans	(40)us-gaap_GainLossOnSaleOfMortgageLoans
Decrease (increase) in accrued interest receivable	8	(43)
Decrease in accrued interest payable	(65)	(121)
Other, net	207	(32)
Net cash provided by operating activities	3,093	3,557
Available-for-sale securities:
Proceeds from sales	14,623	5,556
Proceeds from maturity and principal repayments	13,521	19,528
Purchase of securities	(13,074)	(18,562)
Proceeds from redemption of regulatory stock	1,271	1,269
Purchase of regulatory stock	(864)	(375)
Net (increase) decrease in loans	(11,054)	7,345
Purchase of premises and equipment	(403)	(28)
Proceeds from sale of foreclosed assets held for sale	17	9
Net cash provided by investing activities	4,037	14,742
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in deposits	14,843us-gaap_IncreaseDecreaseInDeposits	5,327us-gaap_IncreaseDecreaseInDeposits
Proceeds from long-term borrowings	4,730	4,005
Repayments of long-term borrowings	0us-gaap_RepaymentsOfLongTermDebt	(1,000)us-gaap_RepaymentsOfLongTermDebt
Net decrease in short-term borrowed funds	(17,141)	(24,209)
Purchase of treasury and restricted stock	(979)	(120)
Dividends paid	(1,223)us-gaap_PaymentsOfDividendsCommonStock	(976)us-gaap_PaymentsOfDividendsCommonStock
Net cash provided by (used) in financing activities	230	(16,973)
Net increase in cash and cash equivalents	7,360	1,326
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD	11,423	10,083
CASH AND CASH EQUIVALENTS AT END OF PERIOD	18,783	11,409
Supplemental Disclosures of Cash Flow Information:
Interest paid	1,249us-gaap_InterestPaid	1,390us-gaap_InterestPaid
Income taxes paid	600us-gaap_IncomeTaxesPaid	650us-gaap_IncomeTaxesPaid
Loans transferred to foreclosed property	0	22
Investments sold and not settled included in other assets	$ 0czfs_InvestmentsSoldAndNotSettled	$ 1,469czfs_InvestmentsSoldAndNotSettled

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Earnings on or other increases in the value of the cash surrender value of bank owned life insurance policies.

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Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.

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Amount of deferred income tax expense (benefit) pertaining to income (loss) from continuing operations.

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The amount of cash paid during the current period to foreign, federal, state, and local authorities as taxes on income.

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The net cash inflow or outflow for the increase (decrease) in the beginning and end of period deposits balances.

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The amount of cash paid for interest during the period.

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Amount of cash inflow (outflow) of financing activities, excluding discontinued operations. Financing activity cash flows include obtaining resources from owners and providing them with a return on, and a return of, their investment; borrowing money and repaying amounts borrowed, or settling the obligation; and obtaining and paying for other resources obtained from creditors on long-term credit.

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The cash inflow from a debt initially having maturity due after one year or beyond the operating cycle, if longer.

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The net cash inflow or outflow for borrowing having initial term of repayment within one year or the normal operating cycle, if longer.

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The cash inflow associated with the sale of debt and equity securities classified as available-for-sale securities.

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Amount of expense related to estimated loss from loan and lease transactions.

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