LOANS AND ASSET QUALITY (Tables)

6 Months Ended

Jun. 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 June 30, 2016					90 Days or
(Dollars in Thousands)			30-89 Days		More and
	Current		Past Due		Still Accruing		Nonaccrual		Total
Commercial and industrial	$	4,509	$	-	$	-	$	-	$	4,509
Commercial real estate		62,139		-		-		618		62,757
Consumer and indirect		76,210		1,164		-		389		77,763
Residential real estate		109,630		315		177		1,658		111,780
	$	252,488	$	1,479	$	177	$	2,665	$	256,809

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
	June 30,			December 31,
	2016			2015
	(Dollars in Thousands)
Troubled debt restructured loans	$	322		$	290
Non-accrual and 90 days or more and still accruing loans to gross loans		1.11	%		1.45	%
Allowance for credit losses to non-accrual and 90 days or more and still accruing loans		80.61	%		82.14	%

Schedule of impaired financing receivables

(Dollars in thousands)
June 30, 2016	Recorded  Investment		Unpaid  Principal  Balance		Interest  Income  Recognized		Specific  Reserve		Average  Recorded  Investment
Impaired loans with specific reserves:
Real-estate - mortgage:
Residential	$	49		49		-		12		50
Commercial		292		292		-		92		303
Consumer		136		136		-		56		168
Installment		-		-		-		-		-
Home Equity		-		-		-		-		-
Commercial		235		235		5		235		237
Total impaired loans with specific reserves	$	712		712		5		395		758
Impaired loans with no specific reserve:
Real-estate - mortgage:
Residential	$	1,896		2,863		11		n/a		2,874
Commercial		1,129		1,129		23		n/a		1,145
Consumer		38		38		-		n/a		72
Installment		288		288		-		n/a		288
Home Equity		-		-		-		n/a		-
Commercial		2		2		-		n/a		3
Total impaired loans with no specific reserve	$	3,353		4,320		34		-		4,382

(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
June 30, 2016	and		Commercial		and		Residential
(Dollars in Thousands)	Industrial		Real Estate		Indirect		Real Estate		Total
Pass	$	4,198	$	57,462	$	75,570	$	109,815	$	247,045
Special mention		77		3,874		1,362		507		5,820
Substandard		234		1,421		667		1,458		3,780
Doubtful		-		-		164		-		164
Loss		-		-		-		-		-
	$	4,509	$	62,757	$	77,763	$	111,780	$	256,809
Non-accrual		-		618		389		1,658		2,665
Troubled debt restructures		235		-		38		49		322
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		-		-		-		-		-