DEFINED BENEFIT PLANS

The Corporation sponsors a defined benefit health care plan that provides postretirement medical benefits and life insurance to employees who meet certain age and length of service requirements. Full-time employees

longer accrue service time toward the Corporation-subsidized portion of the medical benefits. The plan contains a cost-sharing feature which causes participants to pay for all future increases in costs related to benefit coverage. Accordingly, actuarial assumptions related to health care cost trend rates do

not

significantly affect the liability balance at

June 30, 2018

and

December 31, 2017,

and are

not

expected to significantly affect the Corporation's future expenses. The Corporation uses a

December 31

measurement date for the postretirement plan.

In an acquisition in

2007,

the Corporation assumed the Citizens Trust Company Retirement Plan, a defined benefit pension plan. This plan covers certain employees who were employed by Citizens Trust Company on

December 31, 2002,

when the plan was amended to discontinue admittance of any future participant and to freeze benefit accruals. Information related to the Citizens Trust Company Retirement Plan has been included in the tables that follow. The Corporation uses a

December 31

measurement date for this plan.

The components of net periodic benefit costs from these defined benefit plans are as follows:

Defined Benefit Plans
(In Thousands)	Pension						Postretirement
	Six Months Ended						Six Months Ended
	June 30,						June 30,
	2018			2017			2018			2017
Service cost	$	0		$	0		$	20		$	18
Interest cost		13			12			26			28
Expected return on plan assets		(10	)		(15	)		0			0
Amortization of prior service cost		0			0			(16	)		(15	)
Recognized net actuarial loss		6			3			0			0
Net periodic benefit cost	$	9		$	0		$	30		$	31

Defined Benefit Plans
(In Thousands)	Pension						Postretirement
	Three Months Ended						Three Months Ended
	June 30,						June 30,
	2018			2017			2018			2017
Service cost	$	0		$	0		$	10		$	9
Interest cost		7			6			13			14
Expected return on plan assets		(5	)		(7	)		0			0
Amortization of prior service cost		0			0			(8	)		(7	)
Recognized net actuarial loss		3			1			0			0
Net periodic benefit cost	$	5		$	0		$	15		$	16

Service cost, interest cost and expected return on plan assets are included in pensions and other employee benefits expense in the consolidated statements of income in the

first

six

months

2018

and

2017.

Amortization of prior service cost and the recognized net actuarial loss are included in other noninterest expense in the consolidated statements of income in the

first

six

months

2018

and

2017.

In the

first

six

months of

2018,

the Corporation funded postretirement contributions totaling

$24,000,

with estimated annual postretirement contributions of

$60,000

expected in

2018

for the full year.

defined benefit pension contributions are required in

2018,

though the Corporation

may

make discretionary contributions.