Document And Entity Information - shares	9 Months Ended
Document And Entity Information - shares	Sep. 30, 2018	Oct. 31, 2018
Document And Entity Information [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Sep. 30, 2018
Document Fiscal Period Focus	Q3
Document Fiscal Year Focus	2018
Entity Registrant Name	FRANKLIN FINANCIAL SERVICES CORP /PA/
Entity Central Index Key	0000723646
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Entity Common Stock, Shares Outstanding		4,399,135
Trading Symbol	fraf
Entity Small Business	true
Entity Emerging Growth Company	false

Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Assets
Cash and due from banks	$ 16,281	$ 21,433
Interest-bearing deposits in other banks	28,496	37,170
Total cash and cash equivalents	44,777	58,603
Debt securities available for sale, at fair value	125,403	126,971
Equity securities	383	365
Restricted stock	452	456
Loans held for sale	1,072	442
Loans	970,983	943,700
Allowance for loan losses	(12,526)	(11,792)
Net Loans	958,457	931,908
Premises and equipment, net	13,267	13,741
Bank owned life insurance	23,366	22,980
Goodwill	9,016	9,016
Other real estate owned	2,665	2,598
Deferred tax asset, net	4,170	5,803
Other assets	11,596	6,930
Total assets	1,194,624	1,179,813
Deposits
Non-interest bearing checking	196,478	196,853
Money management, savings and interest checking	807,643	774,857
Time	67,736	75,471
Total deposits	1,071,857	1,047,181
Other liabilities	8,739	17,488
Total liabilities	1,080,596	1,064,669
Shareholders' equity
Common stock, $1 par value per share, 15,000,000 shares authorized with 4,701,367 shares issued and 4,398,361 shares outstanding at September 30, 2018 and 4,689,099 shares issued and 4,354,788 shares outstanding at December 31, 2017	4,701	4,689
Capital stock without par value, 5,000,000 shares authorized with no shares issued and outstanding
Additional paid-in capital	41,380	40,396
Retained earnings	81,330	82,218
Accumulated other comprehensive loss	(7,790)	(6,028)
Treasury stock, 303,006 shares at September 30, 2018 and 334,311 shares at December 31, 2017, at cost	(5,593)	(6,131)
Total shareholders' equity	114,028	115,144
Total liabilities and shareholders' equity	$ 1,194,624	$ 1,179,813

Consolidated Balance Sheets (Parenthetical) - $ / shares	Sep. 30, 2018	Dec. 31, 2017
Consolidated Balance Sheets [Abstract]
Common Stock, Par or Stated Value Per Share	$ 1	$ 1
Common Stock, Shares Authorized	15,000,000	15,000,000
Common Stock, Shares, Issued	4,701,367	4,689,099
Common Stock, Shares, Outstanding	4,398,361	4,354,788
Capital stock, no par value	$ 0	$ 0
Capital Stock, Shares Authorized	5,000,000	5,000,000
Capital Stock, Shares, Issued	0	0
Capital Stock, Shares, Outstanding	0	0
Treasury Stock, Shares	303,006	334,311

Consolidated Statements Of Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
Consolidated Statements Of Income - USD ($) $ in Thousands	Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017
Interest income
Loans, including fees	$ 10,565	$ 9,130	$ 30,268	$ 26,808
Interest and dividends on investments:
Taxable interest	507	509	1,548	1,558
Tax exempt interest	293	275	862	861
Dividend income	4	2	15	23
Deposits and obligations of other banks	108	147	326	297
Total interest income	11,477	10,063	33,019	29,547
Interest expense
Deposits	1,101	629	2,847	1,785
Short-term borrowings	21		24	15
Total interest expense	1,122	629	2,871	1,800
Net interest income	10,355	9,434	30,148	27,747
Provision for loan losses	250	250	9,579	420
Net interest income after provision for loan losses	10,105	9,184	20,569	27,327
Noninterest income
Investment and trust services fees	1,424	1,353	4,285	3,991
Loan service charges	191	201	640	657
Deposit service charges and fees	578	611	1,726	1,789
Other service charges and fees	357	340	1,043	996
Debit card income	422	325	1,224	1,062
Increase in cash surrender value of life insurance	129	130	386	391
Net loss on sale of other real estate owned		(23)		(23)
Debt securities gains, net	5	1	56	3
Change in fair value of equity securities	(20)		18
Other	34	33	111	186
Total noninterest income	3,120	2,971	9,489	9,052
Noninterest Expense
Salaries and employee benefits	4,947	4,694	15,029	14,190
Occupancy, furniture and equipment, net	780	809	2,383	2,386
Advertising	345	332	1,113	873
Legal and professional	436	502	1,207	1,173
Data processing	591	567	1,791	1,643
Pennsylvania bank shares tax	239	243	712	728
FDIC Insurance	159	82	452	281
ATM/debit card processing	258	190	734	630
Foreclosed real estate	(8)	24	46	95
Telecommunications	95	106	327	308
Provision for credit losses on off-balance sheet exposures			2,361
Other	729	756	2,253	2,116
Total noninterest expense	8,571	8,305	28,408	24,423
Income before federal income taxes	4,654	3,850	1,650	11,956
Federal income tax expense (benefit)	654	774	(671)	2,517
Net income	$ 4,000	$ 3,076	$ 2,321	$ 9,439
Per share
Basic earnings per share	$ 0.91	$ 0.71	$ 0.53	$ 2.18
Diluted earnings per share	0.91	0.70	0.53	2.17
Cash dividends declared	$ 0.27	$ 0.24	$ 0.78	$ 0.69

Consolidated Statements Of Comprehensive Income - USD ($)
$ in Thousands

3 Months Ended

9 Months Ended

Sep. 30, 2018

Sep. 30, 2017

Sep. 30, 2018

Sep. 30, 2017

Consolidated Statements Of Comprehensive Income [Abstract]

Net income

$ 4,000

$ 3,076

$ 2,321

$ 9,439

Debt Securities:

Unrealized (losses) gains arising during the period

(638)

(97)

(1,974)

924

Reclassification adjustment included in net income

^[1]

(5)

(1)

(56)

(3)

Net unrealized (losses) gains

(643)

(98)

(2,030)

921

Tax effect

135

33

469

(313)

Net of tax amount

(508)

(65)

(1,561)

608

Total other comprehensive (loss) income

(508)

(65)

(1,561)

608

Total Comprehensive Income

3,492

$ 3,011

760

10,047

Reclassification adjustment / Statement line item: Tax expense (benefit)

Debt securities gains, net

$ 1

$ 12

$ 1

[1]	Debt securities gains, net

Consolidated Statements Of Changes In Shareholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Loss [Member]	Treasury Stock [Member]	Total
Balance at Dec. 31, 2016	$ 4,688	$ 39,752	$ 83,081	$ (4,215)	$ (6,813)	$ 116,493
Net income			9,439			9,439
Other comprehensive income (loss)				608		608
Cash dividends declared			(2,988)			(2,988)
Treasury shares issued under employee stock purchase plan		29			120	149
Treasury shares issued under dividend reinvestment plan		296			422	718
Stock option compensation expense		161				161
Balance at Sep. 30, 2017	4,688	40,238	89,532	(3,607)	(6,271)	124,580
Balance at Jun. 30, 2017	4,688	40,096	87,498	(3,542)	(6,380)	122,360
Net income			3,076			3,076
Other comprehensive income (loss)				(65)		(65)
Cash dividends declared			(1,042)			(1,042)
Treasury shares issued under employee stock purchase plan		3			4	7
Treasury shares issued under dividend reinvestment plan		85			105	190
Stock option compensation expense		54				54
Balance at Sep. 30, 2017	4,688	40,238	89,532	(3,607)	(6,271)	124,580
Balance at Dec. 31, 2017	4,689	40,396	82,218	(6,028)	(6,131)	115,144
Cumulative adjustment for fair value of equity securities			201	(201)
Net income			2,321			2,321
Other comprehensive income (loss)				(1,561)		(1,561)
Cash dividends declared			(3,410)			(3,410)
Acquisition of 2,605 shares of treasury stock					(88)	(88)
Treasury shares issued under employee stock purchase plan		34			54	88
Treasury shares issued under dividend reinvestment plan		513			572	1,085
Common stock issued under incentive stock option plan	12	252				264
Stock option compensation expense		185				185
Balance at Sep. 30, 2018	4,701	41,380	81,330	(7,790)	(5,593)	114,028
Balance at Jun. 30, 2018	4,700	41,079	78,514	(7,282)	(5,839)	111,172
Net income			4,000			4,000
Other comprehensive income (loss)				(508)		(508)
Cash dividends declared			(1,184)			(1,184)
Treasury shares issued under employee stock purchase plan		5			7	12
Treasury shares issued under dividend reinvestment plan		210			239	449
Common stock issued under incentive stock option plan	1	24				25
Stock option compensation expense		62				62
Balance at Sep. 30, 2018	$ 4,701	$ 41,380	$ 81,330	$ (7,790)	$ (5,593)	$ 114,028

Consolidated Statements Of Changes In Shareholders' Equity (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017
Consolidated Statements Of Changes In Shareholders' Equity [Abstract]
Cash dividends declared	$ 0.27	$ 0.24	$ 0.78	$ 0.69
Acquisition of treasury stock, shares			2,605
Treasury shares issued under employee stock purchase plan, shares	381	241	2,944	6,568
Treasury shares issued under dividend reinvestment plan, shares	12,957	5,723	30,966	22,990
Common stock issued under incentive stock option plans, shares	1,600		12,268

Consolidated Statements Of Cash Flows - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017
Cash flows from operating activities
Net income	$ 2,321	$ 9,439
Adjustments to reconcile net income to net cash (used in) provided by operating activities:
Depreciation and amortization	989	973
Net amortization of loans and investment securities	1,307	1,269
Amortization and net change in mortgage servicing rights valuation		41
Provision for loan losses	9,579	420
Change in fair value of equity securities	(18)
Debt securities gains, net	(56)	(3)
Pay-out of legal settlement	(10,000)
Provision for credit losses on off-balance sheet exposures	2,361
Loans originated for sale	(16,137)	(6,773)
Proceeds from sale of loans	15,507	6,861
Write-down of other real estate owned	6	60
Acquisition of other real estate owned	105
Write-down on premises and equipment available for sale		45
Loss on sale of premises	17	23
Increase in cash surrender value of life insurance	(386)	(391)
Stock option compensation	185	161
Contribution to pension plan	(1,000)
Increase in other assets	(4,441)	(1,242)
Increase in other liabilities	1,638	2,753
Net cash provided by operating activities	1,977	13,636
Cash flows from investing activities
Proceeds from sales and calls of investment securities available for sale	4,115	875
Proceeds from maturities and pay-downs of securities available for sale	14,289	16,875
Purchase of investment securities available for sale	(20,276)	(6,533)
Net decrease in restricted stock	4	1,311
Net increase in loans	(36,188)	(17,643)
Capital expenditures	(599)	(871)
Proceeds from sale of other assets	117	154
Net proceeds from the sale of other real estate	32	2,255
Net cash used in investing activities	(38,506)	(3,577)
Cash flows from financing activities
Net increase in demand deposits, interest-bearing checking, and savings accounts	32,411	50,325
Net (decrease) increase in time deposits	(7,735)	703
Net decrease in short-term borrowings		(24,270)
Dividends paid	(3,410)	(2,988)
Treasury shares issued under employee stock purchase plan	88	149
Treasury shares issued under dividend reinvestment plan	1,085	718
Common stock issued under stock option plans	264
Net cash provided by financing activities	22,703	24,637
(Decrease) increase in cash and cash equivalents	(13,826)	34,696
Cash and cash equivalents as of January 1	58,603	36,665
Cash and cash equivalents as of September 30	44,777	71,361
Supplemental Disclosures of Cash Flow Information
Cash paid during the year for: Interest on deposits and other borrowed funds	2,818	1,786
Cash paid during the year for: Income taxes	$ 250	$ 3,405

Basis Of Presentation

9 Months Ended

Sep. 30, 2018

Basis Of Presentation [Abstract]

Basis Of Presentation

Note 1 - Basis of Presentation

The consolidated financial statements include the accounts of Franklin Financial Services Corporation (the Corporation), and its wholly-owned subsidiaries, Farmers and Merchants Trust Company of Chambersburg (the Bank) and Franklin Future Fund Inc. Farmers and Merchants Trust Company of Chambersburg is a commercial bank that has one wholly-owned subsidiary, Franklin Financial Properties Corp. Franklin Financial Properties Corp. holds real estate assets that are leased by the Bank. Franklin Future Fund Inc. is a non-bank investment company. The activities of non-bank entities are not significant to the consolidated totals. All significant intercompany transactions and account balances have been eliminated.

In the opinion of management, all adjustments (which include only normal recurring adjustments) necessary to present fairly the consolidated financial position, results of operations, and cash flows as of September 30, 2018, and for all other periods presented have been made.

Certain information and footnote disclosures normally included in consolidated financial statements prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) have been condensed or omitted. It is suggested that these consolidated financial statements be read in conjunction with the audited consolidated financial statements and notes thereto included in the Corporation’s 2017 Annual Report on Form 10-K. The consolidated results of operations for the nine month period ended September 30, 2018 are not necessarily indicative of the operating results for the full year. Management has evaluated subsequent events for potential recognition and/or disclosure through the date these consolidated financial statements were issued.

The consolidated balance sheet at December 31, 2017 has been derived from the audited consolidated financial statements at that date, but does not include all of the information and footnotes required by GAAP for complete consolidated financial statements.

For purposes of reporting cash flows, cash and cash equivalents include cash and due from banks, interest-bearing deposits in other banks and federal funds sold. Generally, federal funds are purchased and sold for one-day periods.

Earnings per share are computed based on the weighted average number of shares outstanding during each period end. A reconciliation of the weighted average shares outstanding used to calculate basic earnings per share and diluted earnings per share follows:


	For the Three Months Ended				For the Nine Months Ended
	September 30,				September 30,
(Dollars and shares in thousands, except per share data)	2018		2017		2018		2017
Weighted average shares outstanding (basic)		4,391		4,343		4,375		4,332
Impact of common stock equivalents		21		21		24		21
Weighted average shares outstanding (diluted)		4,412		4,364		4,399		4,353
Anti-dilutive options excluded from calculation		—		—		—		—
Net income	$	4,000	$	3,076	$	2,321	$	9,439
Basic earnings per share	$	0.91	$	0.71	$	0.53	$	2.18
Diluted earnings per share	$	0.91	$	0.70	$	0.53	$	2.17

Recent Accounting Pronouncements

9 Months Ended

Sep. 30, 2018

Recent Accounting Pronouncements [Abstract]

Recent Accounting Pronouncements

Note 2. Recent Accounting Pronouncements


Standard	Description	Effective Date	Effect on the financial statements or other significant matters

ASU 2018-02, Income Statement (Topic 220), Reclassification of Certain Tax Effects from Accumulated Other Comprehensive Income	Under ASU 2018-02, entities are allowed, but not required, to reclassify from Accumulated Other Comprehensive Income (AOCI) to retained earnings stranded tax effects resulting from the new federal corporate income tax rate of the Tax Cuts and Jobs Act (the Act). The reclassification could include other stranded tax effects that related to the Act but do not directly related to the change in the federal rate. Tax effects that are stranded in AOCI for other reasons may not be reclassified. Entities also will have an option to adopt the standard retrospectively or in the period of adoption.	January 1, 2018	The Corporation adopted the provisions of the ASU in the fourth quarter of 2017. The Company reclassified the disproportionate tax effect resulting from the Act by increasing retained earnings by $992 thousand and reducing AOCI by $992 thousand.

ASU 2016-15, Statements of Cash Flow (Topic 320): Classification of Certain Cash Receipts and Cash Payments	The standard clarifies how certain cash receipts and cash payments are presented and classified in the statement of cash flows. The amendments are intended to reduce diversity in practice. The standard contains additional guidance clarifying when an entity should separate cash receipts and cash payments and classifies them into more than one class of cash flows (including when reasonable judgement is required to estimate and allocate cash flows) versus when an entity should classify the aggregate amount into one class of cash flows on the basis of predominance.	January 1, 2018	The Corporation adopted the provisions of the ASU on January 1, 2018 and it had no material effect on the consolidated financial statements.

ASU 2017-07, Employee Benefits Plan (Topic 715): Improving the Presentation of Net Periodic Pension Cost and Net Periodic Postretirement Benefit Cost	This standard requires an employer to report the service cost component in the same line item or items as other compensation costs arising from services rendered by the pertinent employees during the period. The other components of net benefit cost are required to be presented in the income statement separately from the service cost component and outside a subtotal of income from operations. The amendments in this update also allow only the service cost component to be eligible for capitalization when applicable.	January 1, 2018	The Corporation adopted the provisions of the ASU on January 1, 2018 and it had no material effect on the consolidated financial statements. The service cost is reported in Salaries and Benefits expense and the nonservice cost is included in Other Expense on the Consolidated Statement of Income, which totaled $107 thousand and was reclassified for the first nine months of 2017.

ASU 2014-09, Revenue from Contracts with Customers (Topic 606)	The amendments in this Update (ASU 2014-09) establish a comprehensive revenue recognition standard. The revenue standard’s core principle is built on the contract between a vendor and a customer for the provision of goods and services. It attempts to depict the exchange of rights and obligations between the parties in the pattern of revenue recognition based on the consideration to which the vendor is entitled. To accomplish this objective, the standard requires five basic steps: (i) identify the contract with the customer, (ii) identify the performance obligations in the contract, (iii) determine the transaction price, (iv) allocate the transaction price to the performance obligations in the contract, and (v) recognize revenue when (or as) the entity satisfies a performance obligation. Three basic transition methods are available – full retrospective, retrospective with certain practical expedients, and a cumulative effect approach.	January 1, 2018	The Corporation adopted this ASU on January 1, 2018, on a modified retrospective approach, and it did not have a material effect on the Corporation's consolidated financial statements. See Note 11. Revenue Recognition for more information.

ASU 2016-01, Financial Instruments - Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities	The standard amends the guidance on the classification and measurement of financial instruments. Some of the amendments include the following: 1) requires equity investments to be measured at fair value with changes in fair value recognized in net income; 2) simplifies the impairment assessment of equity investments without readily determinable fair values by requiring a qualitative assessment to identify impairment; 3) requires public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes; and 4) requires an entity to present separately in other comprehensive income the portion of the total change in the fair value of a liability resulting from a change in the instrument-specific credit risk when the entity has elected to measure the liability at fair value; among others.	January 1, 2018	The Corporation adopted the provisions of the ASU on January 1, 2018 and it had no material effect on the consolidated financial statements. The Corporation reclassified the fair value of equity securities by increasing retained earnings by $201 thousand and decreasing AOCI by $201 thousand. In addition, according to the standard, the Corporation measured the fair value of the loan portfolio beginning March 31, 2018 using an exit price notion. See Note 9. Fair Value Measurements and Fair Values of Financial Instruments for more information.

ASU 2016-02, Leases (Topic 842)	From the lessee’s perspective, the new standard established a right-of-use (ROU) model that requires a lessee to record a ROU asset and a lease liability on the balance sheet for all leases with terms longer than 12 months. Leases will be classified as either finance or operating, with classification affecting the pattern of expense recognition in the income statement for lessees. From the lessor’s perspective, the new standard requires a lessor to classify leases as either sales-type, finance or operating. A lease will be treated as a sale if it transfers all of the risks and rewards, as well as control of the underlying asset, to the lessee. If risks and rewards are conveyed without the transfer of control, the lease is treated as financing. If the lessor doesn’t convey risks and rewards or control, an operating lease results.	January 1, 2019	The Corporation currently has real estate and equipment leases that it classifies as operating leases that are not recognized on the balance sheet. Under the new standard, these leases will move onto the balance sheet in the form of a lease liability (the present value of a lessee's obligation to make lease payments) and a right-of-use asset (an asset that represents the lessee's right to use a specified asset for the lease term). The offsetting transactions will gross-up the Consolidated Balance Sheet. The Corporation has identified all of its leases (approximately 63, primarily equipment and property leases), but has not determined the effect on the Consolidated Balance Sheet. The Corporation has acquired a lease accounting model to implement the standard to be used in a test mode during 2018. The Corporation expects to adopt the standard using the modified retrospective approach and elect the transition options of ASU 2018-11. The Corporation currently expects that the new standard will not have a material effect on its consolidated results of operations.

ASU 2018-11, Leases - Targeted Improvements (Topic 842)	This guidance provides entities with relief from the costs of implementing certain aspects of the new leasing standard, ASU No. 2016-02. Specifically, under the amendments in ASU 2018-11: (1) entities may elect not to recast the comparative periods presented when transitioning to the new leasing standard, and (2) lessors may elect not to separate lease and non-lease components when certain conditions are met. The amendments have the same effective date as ASU 2016-02 (January 1, 2019 for the Corporation).

ASU 2018-15, Accounting for Implementation Costs in a Cloud Computing Arrangement (Topic 350)	This ASU required an entity in a cloud computing arrangement (i.e., hosting arrangement) that is a service contract to follow the internal-use software guidance in ASC 350-40 to determine which implementation costs to capitalize as assets or expense as incurred. Capitalized implementation costs should be presented in the same line item on the balance sheet as amounts prepaid for the hosted service, if any (generally as an "other asset"). The capitalized costs will be amortized over the term of the hosting arrangement, with the amortization expense being presented in the same income statement line item as the fees paid for the hosted service.	January 1, 2019	The Corporation is reviewing its internal accounting procedures for this implementation. The Corporation does not expect the standard will have a material effect on its consolidated results of operations.

ASU 2018-13, Disclosure Framework (Topic 820)	This guidance eliminates, adds and modifies certain disclosure requirements for fair value measurements. Among the changes, entities will no longer be required to disclose the amount of and reason for transfers between Level 1 and Level 2 of the fair value hierarchy, but will be required to disclose the range and weighted average used to develop significant unobservable inputs for Level 3 fair value measurements.	January 1, 2019	The Corporation is reviewing its financial reporting procedures for this implementation. The Corporation does not expect the standard will have a material effect on its consolidated results of operations.

ASU 2017-04, Goodwill (Topic 350)	This guidance, among other things, removes step 2 of the goodwill impairment test thus eliminating the need to determine the fair value of individual assets and liabilities of the reporting unit. Upon adoption of this standard, goodwill impairment will be the amount by which a reporting unit's carrying value exceeds its fair value, not to exceed the carrying amount of goodwill. This may result in more or less impairment being recognized than under the current guidance. Early adoption is permitted for any impairment tests performed after January 1, 2017, applied prospectively.	January 1, 2020	The Corporation expects to early adopt the ASU in the fourth quarter of 2018 with the completion of the 2018 impairment analysis. We do not expect this guidance to have a material effect on the Corporation's consolidated financial statements based upon the prior goodwill impairment analysis.

ASU 2016-13, Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments	This standard requires credit losses on most financial assets measured at amortized cost and certain other instruments to be measured using an expected credit loss model (referred to as the current expected credit loss (CECL) model). Under this model, entities will estimate credit losses over the entire contractual term of the instrument (considering estimated prepayments, but not expected extensions or modifications unless reasonable expectation of a troubled debt restructuring exists) from the date of initial recognition of that instrument. The ASU replaces the current accounting model for purchased credit impaired loans and debt securities. The allowance for credit losses for purchased financial assets with a more-than insignificant amount of credit deterioration since origination (“PCD assets”), should be determined in a similar manner to other financial assets measured on an amortized cost basis. However, upon initial recognition, the allowance for credit losses is added to the purchase price (“gross up approach”) to determine the initial amortized cost basis. The subsequent accounting for PCD financial assets is the same expected loss model described above.	January 1, 2020	We have formed an implementation team led by the Corporation's Risk Management function. The team is reviewing the requirements of the ASU and evaluating methods and models for implementation. The new standard will result in earlier recognition of additions to the allowance for loan losses and possibly a larger allowance for loan loss balance with a corresponding increase in the provision for loan losses in results of operations; however, the Corporation is continuing to evaluate the impact of the pending adoption of the new standard on its consolidated financial statements. A third-party vendor has been selected to assist with the CECL calculations and the implementation process has started. The Corporation expects to be able to run the CECL model in test mode starting near the end of the first quarter of 2019.

Accumulated Other Comprehensive Loss

9 Months Ended

Sep. 30, 2018

Accumulated Other Comprehensive Loss [Abstract]

Accumulated Other Comprehensive Loss

Note 3. Accumulated Other Comprehensive Loss

The components of accumulated other comprehensive losses included in shareholders' equity are as follows:



	September 30,		December 31,
	2018		2017
(Dollars in thousands)
Net unrealized (losses) gains on debt securities	$	(2,077)	$	154
Tax effect		436		(33)
Net of tax amount		(1,641)		121

Accumulated pension adjustment		(7,784)		(7,784)
Tax effect		1,635		1,635
Net of tax amount		(6,149)		(6,149)

Total accumulated other comprehensive loss	$	(7,790)	$	(6,028)

Investments

9 Months Ended

Sep. 30, 2018

Investments [Abstract]

Investments

Note 4. Investments

Available for Sale (AFS) Securities

The amortized cost and estimated fair value of AFS securities as of September 30, 2018 and December 31, 2017 are as follows:



(Dollars in thousands)			Gross		Gross
	Amortized		unrealized		unrealized		Fair
September 30, 2018	cost		gains		losses		value
U.S. Government and Agency securities	$	9,405	$	15	$	(144)	$	9,276
Municipal securities		63,221		176		(994)		62,403
Trust preferred securities		4,069		—		(122)		3,947
Agency mortgage-backed securities		46,394		39		(1,063)		45,370
Private-label mortgage-backed securities		474		43		—		517
Asset-backed securities		3,917		—		(27)		3,890
	$	127,480	$	273	$	(2,350)	$	125,403



(Dollars in thousands)			Gross		Gross
	Amortized		unrealized		unrealized		Fair
December 31, 2017	cost		gains		losses		value
Equity securities	$	164	$	201	$	—	$	365
U.S. Government and Agency securities		11,451		64		(43)		11,472
Municipal securities		57,374		650		(252)		57,772
Trust preferred securities		6,000		—		(183)		5,817
Agency mortgage-backed securities		51,307		197		(567)		50,937
Private-label mortgage-backed securities		858		88		—		946
Asset-backed securities		28		—		(1)		27
	$	127,182	$	1,200	$	(1,046)	$	127,336

At September 30, 2018 and December 31, 2017, the fair value of AFS securities pledged to secure public funds and trust deposits totaled $86.9 million and $84.1 million, respectively.

The amortized cost and estimated fair value of debt securities at September 30, 2018, by contractual maturity are shown below. Actual maturities may differ from contractual maturities because of prepayment or call options embedded in the securities.



(Dollars in thousands)	Amortized cost		Fair value
Due in one year or less	$	14,466	$	14,508
Due after one year through five years		33,277		33,081
Due after five years through ten years		31,927		31,026
Due after ten years		942		901
		80,612		79,516
Mortgage-backed securities		46,868		45,887
	$	127,480	$	125,403

The composition of the net realized gains on AFS securities for the three and nine months ended are as follows:


	For the Three Months Ended				For the Nine Months Ended
	September 30,				September 30,
(Dollars in thousands)	2018		2017		2018		2017
Gross gains realized	$	5	$	1	$	67	$	3
Gross losses realized		—		—		(11)		—
Net gains realized	$	5	$	1	$	56	$	3

Impairment:

The AFS investment portfolio contained 192 securities with $100 million of temporarily impaired fair value and $2.4 million in unrealized losses at September 30, 2018. The total unrealized loss position has increased $1.3 million since year-end 2017.

For securities with an unrealized loss, Management applies a systematic methodology in order to perform an assessment of the potential for other-than-temporary impairment. In the case of debt securities, investments considered for other-than-temporary impairment: (1) had a specified maturity or repricing date; (2) were generally expected to be redeemed at par, and (3) were expected to achieve a recovery in market value within a reasonable period of time. In addition, the Bank considers whether it intends to sell these securities or whether it will be forced to sell these securities before the earlier of amortized cost recovery or maturity. The impairment identified on debt securities and subject to assessment at September 30, 2018, was deemed to be temporary and required no further adjustments to the financial statements, unless otherwise noted.

The following table reflects temporary impairment in the AFS portfolio, aggregated by investment category, length of time that individual securities have been in a continuous unrealized loss position and the number of securities in each category as of September 30, 2018 and December 31, 2017:



	September 30, 2018
	Less than 12 months					12 months or more					Total
	Fair		Unrealized			Fair		Unrealized			Fair		Unrealized
(Dollars in thousands)	Value		Losses		Count	Value		Losses		Count	Value		Losses		Count

U.S. Government and Agency securities	$	4,011	$	(54)	5	$	4,381	$	(90)	12	$	8,392	$	(144)	17
Municipal securities		28,938		(520)	47		13,014		(474)	23		41,952		(994)	70
Trust preferred securities		2,102		(62)	3		1,845		(60)	2		3,947		(122)	5
Agency mortgage-backed securities		18,326		(311)	40		22,996		(752)	53		41,322		(1,063)	93
Asset-backed securities		3,886		(26)	6		4		(1)	1		3,890		(27)	7
Total temporarily impaired securities	$	57,263	$	(973)	101	$	42,240	$	(1,377)	91	$	99,503	$	(2,350)	192



	December 31, 2017
	Less than 12 months					12 months or more					Total
	Fair		Unrealized			Fair		Unrealized			Fair		Unrealized
(Dollars in thousands)	Value		Losses		Count	Value		Losses		Count	Value		Losses		Count

U.S. Government and Agency securities	$	2,315	$	(11)	5	$	3,528	$	(32)	10	$	5,843	$	(43)	15
Municipal securities		13,767		(89)	22		7,507		(163)	14		21,274		(252)	36
Trust preferred securities		1,216		(12)	2		4,601		(171)	5		5,817		(183)	7
Agency mortgage-backed securities		16,287		(129)	29		20,563		(438)	39		36,850		(567)	68
Asset-backed securities		—		—	—		4		(1)	1		4		(1)	1
Total temporarily impaired securities	$	33,585	$	(241)	58	$	36,203	$	(805)	69	$	69,788	$	(1,046)	127

The following table represents the cumulative credit losses on AFS securities recognized in earnings for:



	Nine Months Ended
(Dollars in thousands)	September 30,
	2018		2017
Balance of cumulative credit-related OTTI at January 1	$	595	$	595
Additions for credit-related OTTI not previously recognized		—		—
Additional increases for credit-related OTTI previously recognized when there is
no intent to sell and no requirement to sell before recovery of amortized cost basis		—		—
Decreases for previously recognized credit-related OTTI because there was an intent to sell		(323)		—
Reduction for increases in cash flows expected to be collected		—		—
Balance of credit-related OTTI at September 30	$	272	$	595

Equity Securities at fair value

The Corporation owns one equity investment. At September 30, 2018, this investment was reported at fair value ($383 thousand) with changes in value reported through income. At December 31, 2017, this investment was reported at fair value with changes in value recorded through other comprehensive income and was included in the Available for Sale Securities table of this note.

Restricted Stock at Cost

The Bank held $452 thousand of restricted stock at September 30, 2018. Except for $30 thousand, this investment represents stock in FHLB Pittsburgh. The Bank is required to hold this stock to be a member of FHLB and it is carried at cost of $100 per share. The level of FHLB stock held is determined by FHLB and is comprised of a minimum membership amount plus a variable activity amount. FHLB stock is evaluated for impairment primarily based on an assessment of the ultimate recoverability of its cost. As a government sponsored entity, FHLB has the ability to raise funding through the U.S. Treasury that can be used to support its operations. There is not a public market for FHLB stock and the benefits of FHLB membership (e.g., liquidity and low cost funding) add value to the stock beyond purely financial measures. Management intends to remain a member of the FHLB and believes that it will be able to fully recover the cost basis of this investment.

Loans

9 Months Ended

Sep. 30, 2018

Loans [Abstract]

Loans

Note 5. Loans

The Bank reports its loan portfolio based on the primary collateral of the loan. It further classifies these loans by the primary purpose, either consumer or commercial. The Bank’s residential real estate loans include long-term loans to individuals and businesses secured by mortgages on the borrower’s real property and include home equity loans. Construction loans are made to finance the purchase of land and the construction of residential and commercial buildings thereon, and are secured by mortgages on real estate. Commercial real estate loans include construction, owner and non-owner occupied properties and farm real estate. Commercial loans are made to businesses of various sizes for a variety of purposes including property, plant and equipment, working capital and loans to government municipalities. Commercial lending is concentrated in the Bank’s primary market, but also includes purchased loan participations. Consumer loans are comprised of installment loans and unsecured personal lines of credit.

A summary of loans outstanding, by class, at the end of the reporting periods is as follows:



	September 30,		December 31,
(Dollars in thousands)	2018		2017
Residential Real Estate 1-4 Family
Consumer first liens	$	90,029	$	97,159
Commercial first lien		60,142		61,275
Total first liens		150,171		158,434

Consumer junior liens and lines of credit		43,044		45,043
Commercial junior liens and lines of credit		5,040		5,328
Total junior liens and lines of credit		48,084		50,371
Total residential real estate 1-4 family		198,255		208,805

Residential real estate - construction
Consumer		2,779		1,813
Commercial		9,510		8,088
Total residential real estate construction		12,289		9,901

Commercial real estate		475,838		428,428
Commercial		279,835		291,519
Total commercial		755,673		719,947

Consumer		4,766		5,047
		970,983		943,700
Less: Allowance for loan losses		(12,526)		(11,792)
Net Loans	$	958,457	$	931,908

Included in the loan balances are the following:
Net unamortized deferred loan costs	$	73	$	98

Loans pledged as collateral for borrowings and commitments from:
FHLB	$	762,292	$	737,313
Federal Reserve Bank		34,685		35,740
	$	796,977	$	773,053

- Definition

The entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses.

+ References + Details

Loan Quality And Allowance for Loan Losses

9 Months Ended

Sep. 30, 2018

Loan Quality And Allowance for Loan Losses [Abstract]

Loan Quality and Allowance for Loan Losses

Note 6. Loan Quality and Allowance for Loan Losses

The following table presents, by class, the activity in the Allowance for Loan Losses (ALL) for the periods shown:


	Residential Real Estate 1-4 Family
	First		Junior Liens &				Commercial
(Dollars in thousands)	Liens		Lines of Credit		Construction		Real Estate		Commercial		Consumer		Unallocated		Total

ALL at June 30, 2018	$	1,022	$	318	$	282	$	7,028	$	2,233	$	107	$	1,492	$	12,482
Charge-offs		—		—		—		—		(208)		(23)		—		(231)
Recoveries		—		—		—		1		19		5		—		25
Provision		(16)		(4)		(4)		242		122		12		(102)		250
ALL at September 30, 2018	$	1,006	$	314	$	278	$	7,271	$	2,166	$	101	$	1,390	$	12,526

ALL at December 31, 2017	$	1,060	$	330	$	224	$	6,526	$	2,110	$	105	$	1,437	$	11,792
Charge-offs		—		—		—		—		(8,944)		(78)		—		(9,022)
Recoveries		1		—		—		17		135		24		—		177
Provision		(55)		(16)		54		728		8,865		50		(47)		9,579
ALL at September 30, 2018	$	1,006	$	314	$	278	$	7,271	$	2,166	$	101	$	1,390	$	12,526

ALL at June 30, 2017	$	1,075	$	322	$	281	$	6,052	$	2,023	$	100	$	1,454	$	11,307
Charge-offs		—		—		—		(9)		(6)		(31)		—		(46)
Recoveries		1		5		—		17		5		4		—		32
Provision		(15)		(3)		(42)		198		(19)		19		112		250
ALL at September 30, 2017	$	1,061	$	324	$	239	$	6,258	$	2,003	$	92	$	1,566	$	11,543

ALL at December 31, 2016	$	1,105	$	323	$	224	$	6,109	$	1,893	$	100	$	1,321	$	11,075
Charge-offs		(13)		—		—		(14)		(8)		(83)		—		(118)
Recoveries		2		6		—		17		111		30		—		166
Provision		(33)		(5)		15		146		7		45		245		420
ALL at September 30, 2017	$	1,061	$	324	$	239	$	6,258	$	2,003	$	92	$	1,566	$	11,543

The following table presents, by class, loans that were evaluated for the ALL under the specific reserve (individually) and those that were evaluated under the general reserve (collectively) and the amount of the ALL established in each class as of September 30, 2018 and December 31, 2017:



	Residential Real Estate 1-4 Family
	First		Junior Liens &				Commercial
(Dollars in thousands)	Liens		Lines of Credit		Construction		Real Estate		Commercial		Consumer		Unallocated		Total

September 30, 2018
Loans evaluated for ALL:
Individually	$	408	$	—	$	460	$	10,574	$	3,106	$	—	$	—	$	14,548
Collectively		149,763		48,084		11,829		465,264		276,729		4,766		—		956,435
Total	$	150,171	$	48,084	$	12,289	$	475,838	$	279,835	$	4,766	$	—	$	970,983

ALL established for loans evaluated:
Individually	$	—	$	—	$	—	$	—	$	181	$	—	$	—	$	181
Collectively		1,006		314		278		7,271		1,985		101		1,390		12,345
ALL at September 30, 2018	$	1,006	$	314	$	278	$	7,271	$	2,166	$	101	$	1,390	$	12,526

December 31, 2017
Loans evaluated for ALL:
Individually	$	459	$	—	$	466	$	10,981	$	—	$	—	$	—	$	11,906
Collectively		157,975		50,371		9,435		417,447		291,519		5,047		—		931,794
Total	$	158,434	$	50,371	$	9,901	$	428,428	$	291,519	$	5,047	$	—	$	943,700

ALL established for loans evaluated:
Individually	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Collectively		1,060		330		224		6,526		2,110		105		1,437		11,792
ALL at December 31, 2017	$	1,060	$	330	$	224	$	6,526	$	2,110	$	105	$	1,437	$	11,792

The following table shows additional information about those loans considered to be impaired at September 30, 2018 and December 31, 2017:



	Impaired Loans
	With No Allowance				With Allowance
(Dollars in thousands)			Unpaid				Unpaid
	Recorded		Principal		Recorded		Principal		Related
September 30, 2018	Investment		Balance		Investment		Balance		Allowance
Residential Real Estate 1-4 Family
First liens	$	754	$	870	$	—	$	—	$	—
Junior liens and lines of credit		66		66		—		—		—
Total		820		936		—		—		—
Residential real estate - construction		460		531		—		—		—
Commercial real estate		10,715		11,248		—		—		—
Commercial		3,082		10,653		181		181		181
Total	$	15,077	$	23,368	$	181	$	181	$	181



December 31, 2017
Residential Real Estate 1-4 Family
First liens	$	869	$	950	$	—	$	—	$	—
Junior liens and lines of credit		—		—		—		—		—
Total		869		950		—		—		—
Residential real estate - construction		466		531		—		—		—
Commercial real estate		11,061		11,541		—		—		—
Commercial		187		201		—		—		—
Total	$	12,583	$	13,223	$	—	$	—	$	—

The following table shows the average of impaired loans and related interest income for the three and nine months ended September 30, 2018 and 2017:


	Three Months Ended				Nine Months Ended
	September 30, 2018				September 30, 2018
	Average		Interest		Average		Interest
(Dollars in thousands)	Recorded		Income		Recorded		Income
	Investment		Recognized		Investment		Recognized
Residential Real Estate 1-4 Family
First liens	$	1,091	$	10	$	899	$	31
Junior liens and lines of credit		268		2		750		2
Total		1,359		12		1,649		33
Residential real estate - construction		461		—		463		—
Commercial real estate		10,789		107		10,314		316
Commercial		3,465		—		5,284		—
Total	$	16,074	$	119	$	17,710	$	349

	Three Months Ended				Nine Months Ended
	September 30, 2017				September 30, 2017
	Average		Interest		Average		Interest
(Dollars in thousands)	Recorded		Income		Recorded		Income
	Investment		Recognized		Investment		Recognized
Residential Real Estate 1-4 Family
First liens	$	1,157	$	10	$	1,152	$	32
Junior liens and lines of credit		54		—		85		—
Total		1,211		10		1,237		32
Residential real estate - construction		471		—		475		—
Commercial real estate		11,218		109		12,216		328
Commercial		292		—		263		—
Total	$	13,192	$	119	$	14,191	$	360

The following table presents the aging of payments of the loan portfolio:



(Dollars in thousands)			Loans Past Due and Still Accruing										Total
	Current		30-59 Days		60-89 Days		90 Days+		Total		Non-Accrual		Loans
September 30, 2018
Residential Real Estate 1-4 Family
First liens	$	149,366	$	503	$	231	$	—	$	734	$	71	$	150,171
Junior liens and lines of credit		47,907		40		71		43		154		23		48,084
Total		197,273		543		302		43		888		94		198,255
Residential real estate - construction		11,359		70		400		—		470		460		12,289
Commercial real estate		468,202		2,224		3,606		—		5,830		1,806		475,838
Commercial		276,180		328		64		—		392		3,263		279,835
Consumer		4,726		39		1		—		40		—		4,766
Total	$	957,740	$	3,204	$	4,373	$	43	$	7,620	$	5,623	$	970,983



December 31, 2017
Residential Real Estate 1-4 Family
First liens	$	157,247	$	485	$	534	$	—	$	1,019	$	168	$	158,434
Junior liens and lines of credit		50,202		139		30		—		169		—		50,371
Total		207,449		624		564		—		1,188		168		208,805
Residential real estate - construction		9,435		—		—		—		—		466		9,901
Commercial real estate		425,806		421		347		—		768		1,854		428,428
Commercial		291,221		111		—		—		111		187		291,519
Consumer		5,017		23		7		—		30		—		5,047
Total	$	938,928	$	1,179	$	918	$	—	$	2,097	$	2,675	$	943,700

The following table reports the internal credit rating for the loan portfolio. Consumer purpose loans are assigned a rating of either pass or substandard based on the performance status of the loans. Substandard consumer loans are comprised of loans 90 days or more past due and still accruing, and nonaccrual loans. Commercial purpose loans may be assigned any rating in accordance with the Bank’s internal risk rating system.



	Pass		Special Mention		Substandard		Doubtful
(Dollars in thousands)	(1-5)		(6)		(7)		(8)		Total

September 30, 2018
Residential Real Estate 1-4 Family
First liens	$	149,741	$	—	$	430	$	—	$	150,171
Junior liens and lines of credit		48,018		—		66		—		48,084
Total		197,759		—		496		—		198,255
Residential real estate - construction		11,556		—		733		—		12,289
Commercial real estate		466,800		665		8,373		—		475,838
Commercial		275,249		—		4,586		—		279,835
Consumer		4,766		—		—		—		4,766
Total	$	956,130	$	665	$	14,188	$	—	$	970,983



December 31, 2017
Residential Real Estate 1-4 Family
First liens	$	157,395	$	—	$	1,039	$	—	$	158,434
Junior liens and lines of credit		50,371		—		—		—		50,371
Total		207,766		—		1,039		—		208,805
Residential real estate - construction		8,893		—		1,008		—		9,901
Commercial real estate		419,277		680		8,471		—		428,428
Commercial		289,916		—		1,603		—		291,519
Consumer		5,047		—		—		—		5,047
Total	$	930,899	$	680	$	12,121	$	—	$	943,700

The following table presents information on the Bank’s Troubled Debt Restructuring (TDR) loans:


								Troubled Debt Restructurings
								Within the Last 12 Months
								That Have Defaulted
(Dollars in thousands)	Troubled Debt Restructurings							On Modified Terms
	Number of	Recorded						Number of	Recorded
	Contracts	Investment		Performing*		Nonperforming*		Contracts	Investment
September 30, 2018
Residential real estate - construction	1	$	460	$	—	$	460	—	$	—
Residential real estate	4		683		683		—	—		—
Commercial real estate	11		10,574		8,909		1,665	—		—
Total	16	$	11,717	$	9,592	$	2,125	—	$	—


December 31, 2017
Residential real estate - construction	1	$	466	$	466	$	—	—	$	—
Residential real estate	5		737		701		36	—		—
Commercial real estate	11		10,983		10,388		595	—		—
Total	17	$	12,186	$	11,555	$	631	—	$	—

*The performing status is determined by the loan’s compliance with the modified terms.

There were no new TDR loans during 2018 and 2017.

Other Real Estate Owned

9 Months Ended

Sep. 30, 2018

Other Real Estate Owned [Abstract]

Other Real Estate Owned

Note 7. Other Real Estate Owned

Changes in other real estate owned during the nine months ended September 30, 2018 and 2017 were as follows:


	September 30,
(Dollars in thousands)	2018		2017
Balance at beginning of the period	$	2,598	$	4,915
Additions		105		52
Proceeds from dispositions		(32)		(2,255)
Loss on sales, net		—		(23)
Valuation adjustment		(6)		(60)
Balance at the end of the period	$	2,665	$	2,629

Pension

9 Months Ended

Sep. 30, 2018

Pension [Abstract]

Pension

Note 8. Pension

The components of pension expense for the periods presented are as follows:


	Three Months Ended				Nine Months Ended
	September 30,				September 30,
(Dollars in thousands)	2018		2017		2018		2017
Components of net periodic cost:
Service cost	$	90	$	80	$	270	$	237
Interest cost		138		167		414		500
Expected return on plan assets		(279)		(268)		(837)		(804)
Recognized net actuarial loss		176		137		528		411
Net period cost	$	125	$	116	$	375	$	344

The Bank expects its pension expense to increase to approximately $500 thousand in 2018 compared to $459 thousand in 2017, due primarily to increases in interest costs and recognized net actuarial losses. A pension contribution of $1.0 million was made in first quarter of 2018. The service cost component of pension expense is in the salaries and employee benefits line on the income statement. All other cost components are in the other expense line on the income statement.

Fair Value Measurements And Fair Values Of Financial Instruments

9 Months Ended

Sep. 30, 2018

Fair Value Measurements And Fair Values Of Financial Instruments [Abstract]

Fair Value Measurements And Fair Values Of Financial Instruments

Note 9. Fair Value Measurements and Fair Values of Financial Instruments

Management uses its best judgment in estimating the fair value of the Corporation’s financial instruments; however, there are inherent weaknesses in any estimation technique. Therefore, for substantially all financial instruments, the fair value estimates herein are not necessarily indicative of the amounts the Corporation could have realized in a sales transaction on the dates indicated. The estimated fair value amounts have been measured as of their respective period-ends and have not been re-evaluated or updated for purposes of these financial statements subsequent to those respective dates. As such, the estimated fair values of these financial instruments subsequent to the respective reporting dates maybe different than the amounts reported at each year-end.

FASB ASC Topic 820, “Financial Instruments”, requires disclosure of the fair value of financial assets and liabilities, including those financial assets and liabilities that are not measured and reported at fair value on a recurring and nonrecurring basis. The Corporation does not report any nonfinancial assets at fair value. FASB ASC Topic 820 establishes a fair value hierarchy that prioritizes the inputs to valuation methods used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). The three levels of the fair value hierarchy under FASB ASC Topic 820 are as follows:

Level 1: Valuation is based on unadjusted, quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities.

Level 2: Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market. There may be substantial differences in the assumptions used for securities within the same level. For example, prices for U.S. Agency securities have fewer assumptions and are closer to level 1 valuations than the private label mortgage backed securities that require more assumptions and are closer to level 3 valuations.

Level 3: Valuation is generated from model-based techniques that use significant assumptions not observable in the market. These unobservable assumptions reflect the Corporation’s assumptions regarding what market participants would assume when pricing a financial instrument.

An asset’s or liability’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement.

On January 1, 2018, the Corporation adopted ASU 2016-01, which requires the use of the exit price notion to measure the fair value of financial instruments.

The following information regarding the fair value of the Corporation’s financial instruments should not be interpreted as an estimate of the fair value of the entire Corporation since a fair value calculation is only provided for a limited portion of the Corporation’s assets and liabilities. Due to a wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparisons between the Corporation’s disclosures and those of other companies may not be meaningful.

The fair value of the Corporation's financial instruments are as follows:



	September 30, 2018
	Carrying		Fair
(Dollars in thousands)	Amount		Value		Level 1		Level 2		Level 3
Financial assets, carried at cost:
Cash and cash equivalents	$	44,777	$	44,777	$	44,777	$	—	$	—
Restricted stock		452		452		—		452		—
Loans held for sale		1,072		1,072				1,072
Net loans		958,457		933,824		—		—		933,824
Accrued interest receivable		3,733		3,733		—		3,733		—

Financial assets, available for sale
Debt securities		125,403		125,403		—		125,403		—

Financial assets, fair value
Equity securities		383		383		383		—		—

Financial liabilities:
Deposits	$	1,071,857	$	1,071,744	$	—	$	1,071,744	$	—
Accrued interest payable		202		202		—		202		—
Off balance sheet financial instruments		—		—		—		—		—

	December 31, 2017
	Carrying		Fair
(Dollars in thousands)	Amount		Value		Level 1		Level 2		Level 3
Financial assets:
Cash and cash equivalents	$	58,603	$	58,603	$	58,603	$	—	$	—
Investment securities available for sale		127,336		127,336		365		126,971		—
Restricted stock		456		456		—		45		—
Loans held for sale		442		442		—		442		—
Net loans		931,908		929,891		—		—		929,891
Accrued interest receivable		3,847		3,847		—		3,847		—

Financial liabilities:
Deposits	$	1,047,181	$	1,046,476	$	—	$	1,046,476	$	—
Accrued interest payable		149		149		—		149		—

Recurring Fair Value Measurements

For financial assets and liabilities measured at fair value on a recurring basis, the fair value measurements by level within the fair value hierarchy used at September 30, 2018 and December 31, 2017 are as follows:



(Dollars in Thousands	Fair Value at September 30, 2018
Asset Description	Level 1		Level 2		Level 3		Total
Equity securities, at fair value	$	383	$	—	$	—	$	383

Available for sale:
U.S. Government and Agency securities		—		9,276		—		9,276
Municipal securities		—		62,403		—		62,403
Trust Preferred Securities		—		3,947		—		3,947
Agency mortgage-backed securities		—		45,370		—		45,370
Private-label mortgage-backed securities		—		517		—		517
Asset-backed securities		—		3,890		—		3,890
Total assets	$	383	$	125,403	$	—	$	125,786



(Dollars in Thousands)	Fair Value at December 31, 2017
Asset Description	Level 1		Level 2		Level 3		Total
Equity securities	$	365	$	—	$	—	$	365
U.S. Government and Agency securities		—		11,472		—		11,472
Municipal securities		—		57,772		—		57,772
Trust Preferred Securities		—		5,817		—		5,817
Agency mortgage-backed securities		—		50,937		—		50,937
Private-label mortgage-backed securities		—		946		—		946
Asset-backed securities		—		27		—		27
Total assets	$	365	$	126,971	$	—	$	127,336

Investment securities: Level 1 securities represent equity securities that are valued using quoted market prices form nationally recognized markets. Level 2 securities represent debt securities that are valued using a mathematical model based upon the specific characteristics of a security in relationship to quoted prices for similar securities.

Nonrecurring Fair Value Measurements

For financial assets measured at fair value on a nonrecurring basis, the fair value measurements by level within the fair value hierarchy used at September 30, 2018 and December 31, 2017 are as follows:



(Dollars in Thousands)
	Fair Value at September 30, 2018
Asset Description	Level 1		Level 2		Level 3		Total
Impaired Loans (1)	$	—	$	—	$	2,925	$	2,925
Total assets	$	—	$	—	$	2,925	$	2,925



(Dollars in Thousands)	Fair Value at December 31, 2017
Asset Description	Level 1		Level 2		Level 3		Total
Other real estate owned (1)	$	—	$	—	$	90	$	90
Total assets	$	—	$	—	$	90	$	90

(1)

Includes assets directly charged-down to fair value during the year-to-date period.

The Corporation used the following methods and significant assumptions to estimate the fair values for financial assets measured at fair value on a nonrecurring basis.

Other real estate: The fair value of other real estate, upon initial recognition, is estimated using Level 2 inputs within the fair value hierarchy based on observable market data and Level 3 inputs based on customized discounting criteria. In connection with the measurement and initial recognition of the foregoing assets, the Corporation recognizes charge-offs through the allowance for loan losses. Subsequent charge-offs are recognized as an expense.

The Corporation did not record any liabilities at fair value for which measurement of the fair value was made on a nonrecurring basis at September 30, 2018. For financial assets and liabilities measured at fair value on a recurring basis, there were no transfers of financial assets or liabilities between Level 1 and Level 2 during the period ending September 30, 2018.

The following table presents additional quantitative information about Level 3 assets measured at fair value on a nonrecurring basis:


(Dollars in Thousands)		Quantitative Information about Level 3 Fair Value Measurements
					Range
September 30, 2018		Fair Value	Valuation Technique	Unobservable Input	(Weighted Average)
Impaired loans (1)	$	2,925	Appraisal	Appraisal Adjustments (2)	0%-50% (45%)
				Cost to sell

December 31, 2017		Fair Value	Valuation Technique	Unobservable Input	Weighted Average
Other real estate owned (1)	$	90	Appraisal	Cost to sell	8%

(1) Includes assets directly charged-down to fair value during the year-to-date period.
(2) Qualitative adjustments are discounts specific to each asset and are made as needed.

- Definition

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

+ References + Details

Capital Ratios

9 Months Ended

Sep. 30, 2018

Capital Ratios [Abstract]

Capital Ratios

Note 10. Capital Ratios

Capital adequacy is currently defined by regulatory agencies through the use of several minimum required ratios. In July 2013, Federal banking regulators approved the final rules from the Basel Committee on Banking Supervision for the regulation of capital requirements for bank holding companies and U.S banks, generally referred to as “Basel III.” The Basel III standards were effective for the Corporation and the Bank, effective January 1, 2015 (subject to a phase-in period for certain provisions). Basel III imposes significantly higher capital requirements and more restrictive leverage and liquidity ratios than those previously in place. The capital ratios to be considered “well capitalized” under Basel III are: (1) Common Equity Tier 1 (CET1) of 6.5%, (2) Tier 1 Leverage of 5%, (3) Tier 1 Risk-Based Capital of 8%, and (4) Total Risk-Based Capital of 10%. The CET1 ratio is a new capital ratio under Basel III and the Tier 1 risk-based capital ratio of 8% has been increased from 6%. The rules also include changes in the risk weights of certain assets to better reflect credit and other risk exposures. In addition, a capital conservation buffer will be phased-in beginning January 1, 2016 at 0.625%, 1.25% for 2017, 1.875% for 2018 and 2.50% for 2019 and thereafter. The capital conservation buffer will be applicable to all of the capital ratios except for the Tier1 Leverage ratio. The capital conservation buffer is equal to the lowest value of the three applicable capital ratios less the regulatory minimum for each respective capital measurement. The Bank’s capital conservation buffer at September 30, 2018 was 6.89% (total risk-based capital 14.89% less 8.00%) compared to the 2018 regulatory buffer of 1.875%. Compliance with the capital conservation buffer is required in order to avoid limitations to certain capital distributions. As of September 30, 2018, the Bank was “well capitalized’ under the Basel III requirements and believes it would be “well capitalized” on a fully phased-in basis had such a requirement been in effect.

The following table summarizes regulatory capital information as of September 30, 2018 and December 31, 2017 for the Corporation and the Bank:


			Regulatory Ratios
			Adequately	Well
	September 30,	December 31,	Capitalized	Capitalized
(Dollars in thousands)	2018	2017	Minimum	Minimum

Common Equity Tier 1 Risk-based Capital Ratio (1)
Franklin Financial Services Corporation	13.64%	14.06%	4.500%	N/A
Farmers & Merchants Trust Company	13.42%	13.93%	4.500%	6.50%

Tier 1 Risk-based Capital Ratio (2)
Franklin Financial Services Corporation	13.64%	14.06%	6.000%	N/A
Farmers & Merchants Trust Company	13.42%	13.93%	6.000%	8.00%

Total Risk-based Capital Ratio (3)
Franklin Financial Services Corporation	14.89%	15.31%	8.000%	N/A
Farmers & Merchants Trust Company	14.68%	15.19%	8.000%	10.00%

Tier 1 Leverage Ratio (4)
Franklin Financial Services Corporation	9.59%	9.73%	4.000%	N/A
Farmers & Merchants Trust Company	9.48%	9.64%	4.000%	5.00%

(1) Common equity Tier 1 capital/ total risk-weighted assets (2) Tier 1 capital / total risk-weighted assets
(3) Total risk-based capital / total risk-weighted assets, (4) Tier 1 capital / average quarterly assets

- Definition

The entire disclosure for banks, savings institutions, and credit unions, for regulatory capital requirements imposed by the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS) or for any state imposed capital requirements, as applicable. The disclosure may include (1) a description of regulatory capital requirements (a) for capital adequacy purposes and (b) established by the prompt corrective action provisions of Section 38 of the Federal Depository Insurance Act; (2) the actual or possible material effects of noncompliance with such requirements; (3) whether the entity is in compliance with the regulatory capital requirements including (a) required and actual ratios and amounts of Tier 1 leverage, Tier 1 risk-based, and total risk-based capital, tangible capital (for savings institutions), and Tier 3 capital for market risk (for certain banks and bank holding companies), (b) factors that may significantly affect capital adequacy; (4) the prompt corrective action category in which the entity was classified as of its most recent notification; (5) whether management believes any conditions or events since notification have changed the entity's category. Also may include additional information that might be disclosed in situations where substantial doubt about the entity's ability to continue as a going concern for a reasonable period of time.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1C
-URI http://asc.fasb.org/extlink&oid=84167132&loc=SL5958572-112826

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1D
-URI http://asc.fasb.org/extlink&oid=84167132&loc=SL5958573-112826

Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef
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-URI http://asc.fasb.org/extlink&oid=84167132&loc=SL5958570-112826

Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef
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Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef
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Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef
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-SubTopic 505
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-Paragraph 1F
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Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
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Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
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Reference 9: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
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-URI http://asc.fasb.org/extlink&oid=84167132&loc=d3e65071-112826

+ Details

Revenue Recognition

9 Months Ended

Sep. 30, 2018

Revenue Recognition [Abstract]

Revenue Recognition

Note 11. Revenue Recognition

The Corporation adopted ASC 606 on January 1, 2018 using the modified retrospective approach applied to all contracts initiated on or after the effective date, and for contracts which have remaining obligations as of the effective date. Results for the reporting period beginning January 1, 2018 are presented under ASC 606 while the prior period results continue to be reported under legacy GAAP. Adoption of the standard did not have a material effect on any of the reported periods. The Corporation did not record a cumulative effect adjustment to the beginning retained earnings balance as of January 1, 2018 from the adoption of ASC 606 as it was determined the transition adjustment was immaterial to Corporation’s consolidated financial statements.

All of the Corporation’s revenue from contracts with customers within the scope of ASC 606 is recognized in non-interest income as presented in our consolidated statements of income. Revenue generating activities that fall within the scope of ASC 606 are described as follows:

Investment and Trust Service Fees - these represent fees from wealth management (assets under management), fees from the management and settlement of estates and commissions from the sale of investment and insurance products.

·

Asset management fees are generally assessed based on a tiered fee schedule, based on the value of assets under management, and are recognized monthly when the service obligation is completed. Fees recognized were $3.8 million for the first nine months of 2018 and $1.3 million for the third quarter of 2018.

·

Fees for estate management services are based on the estimated fair value of the estate. These fees are generally recognized monthly over an 18 month period that Management has determined to represent the average time to fulfill the performance obligations of the contract. Management has the discretion to adjust this time period as needed based upon the nature and complexity of an individual estate. Fees recognized were $228 thousand for the first nine months of 2018 and $86 thousand for the third quarter of 2018.

·

Commissions from the sale of investment and insurance products are recognized upon the completion of the transaction. Fees recognized were $218 thousand for the first nine months of 2018 and $75 thousand for the third quarter of 2018.

Loan Service Charges – these represent fees on loans for services or charges that occur after the loan has been booked, for example, late payment fees. These also include fees for mortgages settled for a third party mortgage company. All of these fees are transactional in nature and are recognized upon completion of the transaction which represents the performance obligation.

Deposit Service Charges and Fees – these represent fees from deposit customers for transaction based, account maintenance, and overdraft services. Transaction based fees include, but are not limited to stop payment fees and overdraft fees. These fees are recognized at the time of the transaction when the performance obligation has been fulfilled. Account maintenance fees and account analysis fee are earned over the course of a month, representing the period of the performance obligation, and are recognized monthly.

Debit Card Income – this represents interchange fees from cardholder transactions conducted through the card payment network. Cardholders use the debit card to conduct point-of-sale transactions that produce interchange fees. The fees are transaction based and the fee is recognized with the processing of the transaction. These fees are reported net of cardholder rewards.

Other Service Charges and Fees – these are comprised primarily of merchant card fees, credit card fees, ATM surcharges and interchange fees and wire transfer fees. Merchant card fees represent fees the Bank earns from a third party for enrolling a customer in the processor’s program. Credit card fees represent a fee earned by the Bank for a successful referral to a card-issuing company. ATM surcharges and interchange fees are the result of Bank customers conducting ATM transactions that generate fee income and are processed through multiple card networks. All of these fees are transaction based and are recognized at the time of the transaction.

Gains/Losses on the Sale of Other Real Estate – these are recognized when control of the property transfers to the buyer.

Increases in the cash surrender value of life insurance and security transactions are not within the scope of ASC 606.

Contract Balances

A contract asset balance occurs when an entity performs a service for a customer before the customer pays consideration (resulting in a contract receivable) or before payment is due (resulting in a contract asset). A contract liability balance is an entity’s obligation to transfer a service to a customer for which the entity has already received payment (or payment is due) from the customer. The Company’s noninterest revenue streams are largely based on transactional activity, or standard month-end revenue accruals such as asset management fees based on month-end market values. Consideration is often received immediately or shortly after the Company satisfies its performance obligation and revenue is recognized. The Company does not typically enter into longer-term revenue contracts with customers, and therefore, does not experience significant contract balances.

Contract Acquisition Costs

The Corporation expenses all contract acquisition costs as costs are incurred.

Commitments And Contingencies

9 Months Ended

Sep. 30, 2018

Commitments And Contingencies [Abstract]

Commitments And Contingencies

1Note 12. Commitments and Contingencies

In the normal course of business, the Bank is a party to financial instruments that are not reflected in the accompanying financial statements and are commonly referred to as off-balance-sheet instruments. These financial instruments are entered into primarily to meet the financing needs of the Bank’s customers and include commitments to extend credit and standby letters of credit. Those instruments involve, to varying degrees, elements of credit and interest rate risk not recognized in the consolidated balance sheet.

The Corporation’s exposure to credit loss in the event of nonperformance by other parties to the financial instruments for commitments to extend credit and standby letters of credit is represented by the contract or notional amount of those instruments. The Bank uses the same credit policies in making commitments and conditional obligations as they do for on-balance-sheet instruments.

The Bank had the following outstanding commitments for the periods presented:


	September 30,		December 31,
(Dollars in thousands)	2018		2017
Financial instruments whose contract amounts represent credit risk
Commercial commitments to extend credit	$	226,069	$	249,526
Consumer commitments to extend credit (secured)		46,166		44,866
Consumer commitments to extend credit (unsecured)		5,663		5,668
	$	277,898	$	300,060
Standby letters of credit	$	25,692	$	28,630

Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses with the exception of home equity lines and personal lines of credit and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Bank evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Bank, is based on Management’s credit evaluation of the counterparty. Collateral for most commercial commitments varies but may include accounts receivable, inventory, property, plant, and equipment, and income-producing commercial properties. Collateral for secured consumer commitments consists of liens on residential real estate.

Standby letters of credit are instruments issued by the Bank, which guarantee the beneficiary payment by the Bank in the event of default by the Bank’s customer in the nonperformance of an obligation or service. Most standby letters of credit are extended for one-year periods. Generally, the credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. The Bank holds collateral supporting those commitments for which collateral is deemed necessary primarily in the form of certificates of deposit and liens on real estate. Management believes that the proceeds obtained through a liquidation of such collateral would be sufficient to cover the maximum potential amount of future payments required under the corresponding guarantees. As of June 30, 2018, the Bank established a $2.4 million allowance against letters of credit issued in connection with a commercial borrower that declared bankruptcy in the second quarter as a result of apparent fraudulent activities within the business. Except for the liability recorded for standby letters of credit, liabilities for credit loss associated with off-balance sheet commitments were not material at September 30, 2018 and December 31, 2017.

Most of the Bank’s business activity is with customers located within its primary market and does not involve any significant concentrations of credit to any one entity or industry.

Legal Proceedings

The nature of the Corporation’s business generates a certain amount of litigation.

We establish accruals for legal proceedings when information related to the loss contingencies represented by those matters indicates both that a loss is probably and the amount of the loss can be reasonably estimated. When we are able to do so, we also determine estimates of possible losses, whether in excess of any accrued liability or where there is no accrued liability.

These assessments are based on our analysis of currently available information and are subject to significant judgment and a variety of assumptions and uncertainties. As new information is obtained, we may change our assessments and, as a result, take or adjust the amounts of our accruals and change our estimates of possible losses or ranges of possible losses. Due to the inherent subjectivity of the assessments and the unpredictability of outcomes of legal proceedings, any amounts that may be accrued or included in estimates of possible losses or ranges of possible losses may not represent the actual loss to the Corporation from any legal proceeding. Our exposure and ultimate losses may be higher, possibly significantly higher, than amounts we may accrue or amounts we may estimate.

In management’s opinion, we do not anticipate, at the present time, that the ultimate aggregate liability, if any, arising out of all litigation to which the Corporation is a party will have a material adverse effect on our financial position. We cannot now determine, however, whether or not any claim asserted against us, other than the Kalan case described below, will have a material adverse effect on our results of operations in any future reporting period, which will depend on, amount other things, the amount of loss resulting from the claim and the amount of income otherwise reported for the reporting period. Thus, at June 30, 2018, we are unable to provide an evaluation of the likelihood of an unfavorable outcome or an estimate of the amount or range of potential loss with respect to such other matters and, accordingly, have not yet established any specific accrual for such other matters, except in connection with the Kalan case described below.

No material proceedings are pending or are known to be threatened or contemplated against us by governmental authorities.

On July 31, 2018, the court entered an order granting final approval of the settlement agreements in the Kalan et al. v. Farmers and Merchants Trust Company of Chambersburg et al. (Case No. 2:15-CV-01435-WB) case filed against F&M Trust in the United States District Court for the Eastern District of Pennsylvania in March, 2015. Among other things, the order also dismissed the case against F&M Trust with prejudice; certified the settlement class; and, permanently enjoined the named plaintiffs and the members of the settlement class from asserting any further claims arising out of or related to the claims alleged or that could have been alleged in the case against F&M Trust. The settlement agreements provide for the Bank to make a settlement payment of $10 million in full and final settlement of all such claims. The settlement agreements further provide for general releases by all parties. F&M Trust made the settlement payment in May, 2018, in accordance with the court’s earlier order preliminarily approving the settlement agreements. The settlement payment was funded out of available assets. The Corporation previously accrued the $10 million settlement payment in the Kalan case as an expense for the year ended December 31, 2017.

Basis Of Presentation (Policy)

9 Months Ended

Sep. 30, 2018

Basis Of Presentation [Abstract]

Consolidation

The consolidated financial statements include the accounts of Franklin Financial Services Corporation (the Corporation), and its wholly-owned subsidiaries, Farmers and Merchants Trust Company of Chambersburg (the Bank) and Franklin Future Fund Inc. Farmers and Merchants Trust Company of Chambersburg is a commercial bank that has one wholly-owned subsidiary, Franklin Financial Properties Corp. Franklin Financial Properties Corp. holds real estate assets that are leased by the Bank. Franklin Future Fund Inc. is a non-bank investment company. The activities of non-bank entities are not significant to the consolidated totals. All significant intercompany transactions and account balances have been eliminated.

In the opinion of management, all adjustments (which include only normal recurring adjustments) necessary to present fairly the consolidated financial position, results of operations, and cash flows as of September 30, 2018, and for all other periods presented have been made.

Certain information and footnote disclosures normally included in consolidated financial statements prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) have been condensed or omitted. It is suggested that these consolidated financial statements be read in conjunction with the audited consolidated financial statements and notes thereto included in the Corporation’s 2017 Annual Report on Form 10-K. The consolidated results of operations for the nine month period ended September 30, 2018 are not necessarily indicative of the operating results for the full year. Management has evaluated subsequent events for potential recognition and/or disclosure through the date these consolidated financial statements were issued.

The consolidated balance sheet at December 31, 2017 has been derived from the audited consolidated financial statements at that date, but does not include all of the information and footnotes required by GAAP for complete consolidated financial statements.

For purposes of reporting cash flows, cash and cash equivalents include cash and due from banks, interest-bearing deposits in other banks and federal funds sold. Generally, federal funds are purchased and sold for one-day periods.

Earnings Per Share

Earnings per share are computed based on the weighted average number of shares outstanding during each period end. A reconciliation of the weighted average shares outstanding used to calculate basic earnings per share and diluted earnings per share follows:


	For the Three Months Ended				For the Nine Months Ended
	September 30,				September 30,
(Dollars and shares in thousands, except per share data)	2018		2017		2018		2017
Weighted average shares outstanding (basic)		4,391		4,343		4,375		4,332
Impact of common stock equivalents		21		21		24		21
Weighted average shares outstanding (diluted)		4,412		4,364		4,399		4,353
Anti-dilutive options excluded from calculation		—		—		—		—
Net income	$	4,000	$	3,076	$	2,321	$	9,439
Basic earnings per share	$	0.91	$	0.71	$	0.53	$	2.18
Diluted earnings per share	$	0.91	$	0.70	$	0.53	$	2.17

Recent Accounting Pronouncements (Policy)

9 Months Ended

Sep. 30, 2018

Recent Accounting Pronouncements [Abstract]

Recent Accounting Pronouncements, Policy


Standard	Description	Effective Date	Effect on the financial statements or other significant matters

ASU 2018-02, Income Statement (Topic 220), Reclassification of Certain Tax Effects from Accumulated Other Comprehensive Income	Under ASU 2018-02, entities are allowed, but not required, to reclassify from Accumulated Other Comprehensive Income (AOCI) to retained earnings stranded tax effects resulting from the new federal corporate income tax rate of the Tax Cuts and Jobs Act (the Act). The reclassification could include other stranded tax effects that related to the Act but do not directly related to the change in the federal rate. Tax effects that are stranded in AOCI for other reasons may not be reclassified. Entities also will have an option to adopt the standard retrospectively or in the period of adoption.	January 1, 2018	The Corporation adopted the provisions of the ASU in the fourth quarter of 2017. The Company reclassified the disproportionate tax effect resulting from the Act by increasing retained earnings by $992 thousand and reducing AOCI by $992 thousand.

ASU 2016-15, Statements of Cash Flow (Topic 320): Classification of Certain Cash Receipts and Cash Payments	The standard clarifies how certain cash receipts and cash payments are presented and classified in the statement of cash flows. The amendments are intended to reduce diversity in practice. The standard contains additional guidance clarifying when an entity should separate cash receipts and cash payments and classifies them into more than one class of cash flows (including when reasonable judgement is required to estimate and allocate cash flows) versus when an entity should classify the aggregate amount into one class of cash flows on the basis of predominance.	January 1, 2018	The Corporation adopted the provisions of the ASU on January 1, 2018 and it had no material effect on the consolidated financial statements.

ASU 2017-07, Employee Benefits Plan (Topic 715): Improving the Presentation of Net Periodic Pension Cost and Net Periodic Postretirement Benefit Cost	This standard requires an employer to report the service cost component in the same line item or items as other compensation costs arising from services rendered by the pertinent employees during the period. The other components of net benefit cost are required to be presented in the income statement separately from the service cost component and outside a subtotal of income from operations. The amendments in this update also allow only the service cost component to be eligible for capitalization when applicable.	January 1, 2018	The Corporation adopted the provisions of the ASU on January 1, 2018 and it had no material effect on the consolidated financial statements. The service cost is reported in Salaries and Benefits expense and the nonservice cost is included in Other Expense on the Consolidated Statement of Income, which totaled $107 thousand and was reclassified for the first nine months of 2017.

ASU 2014-09, Revenue from Contracts with Customers (Topic 606)	The amendments in this Update (ASU 2014-09) establish a comprehensive revenue recognition standard. The revenue standard’s core principle is built on the contract between a vendor and a customer for the provision of goods and services. It attempts to depict the exchange of rights and obligations between the parties in the pattern of revenue recognition based on the consideration to which the vendor is entitled. To accomplish this objective, the standard requires five basic steps: (i) identify the contract with the customer, (ii) identify the performance obligations in the contract, (iii) determine the transaction price, (iv) allocate the transaction price to the performance obligations in the contract, and (v) recognize revenue when (or as) the entity satisfies a performance obligation. Three basic transition methods are available – full retrospective, retrospective with certain practical expedients, and a cumulative effect approach.	January 1, 2018	The Corporation adopted this ASU on January 1, 2018, on a modified retrospective approach, and it did not have a material effect on the Corporation's consolidated financial statements. See Note 11. Revenue Recognition for more information.

ASU 2016-01, Financial Instruments - Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities	The standard amends the guidance on the classification and measurement of financial instruments. Some of the amendments include the following: 1) requires equity investments to be measured at fair value with changes in fair value recognized in net income; 2) simplifies the impairment assessment of equity investments without readily determinable fair values by requiring a qualitative assessment to identify impairment; 3) requires public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes; and 4) requires an entity to present separately in other comprehensive income the portion of the total change in the fair value of a liability resulting from a change in the instrument-specific credit risk when the entity has elected to measure the liability at fair value; among others.	January 1, 2018	The Corporation adopted the provisions of the ASU on January 1, 2018 and it had no material effect on the consolidated financial statements. The Corporation reclassified the fair value of equity securities by increasing retained earnings by $201 thousand and decreasing AOCI by $201 thousand. In addition, according to the standard, the Corporation measured the fair value of the loan portfolio beginning March 31, 2018 using an exit price notion. See Note 9. Fair Value Measurements and Fair Values of Financial Instruments for more information.

ASU 2016-02, Leases (Topic 842)	From the lessee’s perspective, the new standard established a right-of-use (ROU) model that requires a lessee to record a ROU asset and a lease liability on the balance sheet for all leases with terms longer than 12 months. Leases will be classified as either finance or operating, with classification affecting the pattern of expense recognition in the income statement for lessees. From the lessor’s perspective, the new standard requires a lessor to classify leases as either sales-type, finance or operating. A lease will be treated as a sale if it transfers all of the risks and rewards, as well as control of the underlying asset, to the lessee. If risks and rewards are conveyed without the transfer of control, the lease is treated as financing. If the lessor doesn’t convey risks and rewards or control, an operating lease results.	January 1, 2019	The Corporation currently has real estate and equipment leases that it classifies as operating leases that are not recognized on the balance sheet. Under the new standard, these leases will move onto the balance sheet in the form of a lease liability (the present value of a lessee's obligation to make lease payments) and a right-of-use asset (an asset that represents the lessee's right to use a specified asset for the lease term). The offsetting transactions will gross-up the Consolidated Balance Sheet. The Corporation has identified all of its leases (approximately 63, primarily equipment and property leases), but has not determined the effect on the Consolidated Balance Sheet. The Corporation has acquired a lease accounting model to implement the standard to be used in a test mode during 2018. The Corporation expects to adopt the standard using the modified retrospective approach and elect the transition options of ASU 2018-11. The Corporation currently expects that the new standard will not have a material effect on its consolidated results of operations.

ASU 2018-11, Leases - Targeted Improvements (Topic 842)	This guidance provides entities with relief from the costs of implementing certain aspects of the new leasing standard, ASU No. 2016-02. Specifically, under the amendments in ASU 2018-11: (1) entities may elect not to recast the comparative periods presented when transitioning to the new leasing standard, and (2) lessors may elect not to separate lease and non-lease components when certain conditions are met. The amendments have the same effective date as ASU 2016-02 (January 1, 2019 for the Corporation).

ASU 2018-15, Accounting for Implementation Costs in a Cloud Computing Arrangement (Topic 350)	This ASU required an entity in a cloud computing arrangement (i.e., hosting arrangement) that is a service contract to follow the internal-use software guidance in ASC 350-40 to determine which implementation costs to capitalize as assets or expense as incurred. Capitalized implementation costs should be presented in the same line item on the balance sheet as amounts prepaid for the hosted service, if any (generally as an "other asset"). The capitalized costs will be amortized over the term of the hosting arrangement, with the amortization expense being presented in the same income statement line item as the fees paid for the hosted service.	January 1, 2019	The Corporation is reviewing its internal accounting procedures for this implementation. The Corporation does not expect the standard will have a material effect on its consolidated results of operations.

ASU 2018-13, Disclosure Framework (Topic 820)	This guidance eliminates, adds and modifies certain disclosure requirements for fair value measurements. Among the changes, entities will no longer be required to disclose the amount of and reason for transfers between Level 1 and Level 2 of the fair value hierarchy, but will be required to disclose the range and weighted average used to develop significant unobservable inputs for Level 3 fair value measurements.	January 1, 2019	The Corporation is reviewing its financial reporting procedures for this implementation. The Corporation does not expect the standard will have a material effect on its consolidated results of operations.

ASU 2017-04, Goodwill (Topic 350)	This guidance, among other things, removes step 2 of the goodwill impairment test thus eliminating the need to determine the fair value of individual assets and liabilities of the reporting unit. Upon adoption of this standard, goodwill impairment will be the amount by which a reporting unit's carrying value exceeds its fair value, not to exceed the carrying amount of goodwill. This may result in more or less impairment being recognized than under the current guidance. Early adoption is permitted for any impairment tests performed after January 1, 2017, applied prospectively.	January 1, 2020	The Corporation expects to early adopt the ASU in the fourth quarter of 2018 with the completion of the 2018 impairment analysis. We do not expect this guidance to have a material effect on the Corporation's consolidated financial statements based upon the prior goodwill impairment analysis.

ASU 2016-13, Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments	This standard requires credit losses on most financial assets measured at amortized cost and certain other instruments to be measured using an expected credit loss model (referred to as the current expected credit loss (CECL) model). Under this model, entities will estimate credit losses over the entire contractual term of the instrument (considering estimated prepayments, but not expected extensions or modifications unless reasonable expectation of a troubled debt restructuring exists) from the date of initial recognition of that instrument. The ASU replaces the current accounting model for purchased credit impaired loans and debt securities. The allowance for credit losses for purchased financial assets with a more-than insignificant amount of credit deterioration since origination (“PCD assets”), should be determined in a similar manner to other financial assets measured on an amortized cost basis. However, upon initial recognition, the allowance for credit losses is added to the purchase price (“gross up approach”) to determine the initial amortized cost basis. The subsequent accounting for PCD financial assets is the same expected loss model described above.	January 1, 2020	We have formed an implementation team led by the Corporation's Risk Management function. The team is reviewing the requirements of the ASU and evaluating methods and models for implementation. The new standard will result in earlier recognition of additions to the allowance for loan losses and possibly a larger allowance for loan loss balance with a corresponding increase in the provision for loan losses in results of operations; however, the Corporation is continuing to evaluate the impact of the pending adoption of the new standard on its consolidated financial statements. A third-party vendor has been selected to assist with the CECL calculations and the implementation process has started. The Corporation expects to be able to run the CECL model in test mode starting near the end of the first quarter of 2019.

Basis Of Presentation (Tables)

9 Months Ended

Sep. 30, 2018

Basis Of Presentation [Abstract]

Schedule Of Earnings Per Share, Basic And Diluted


	For the Three Months Ended				For the Nine Months Ended
	September 30,				September 30,
(Dollars and shares in thousands, except per share data)	2018		2017		2018		2017
Weighted average shares outstanding (basic)		4,391		4,343		4,375		4,332
Impact of common stock equivalents		21		21		24		21
Weighted average shares outstanding (diluted)		4,412		4,364		4,399		4,353
Anti-dilutive options excluded from calculation		—		—		—		—
Net income	$	4,000	$	3,076	$	2,321	$	9,439
Basic earnings per share	$	0.91	$	0.71	$	0.53	$	2.18
Diluted earnings per share	$	0.91	$	0.70	$	0.53	$	2.17

Accumulated Other Comprehensive Loss (Tables)

9 Months Ended

Sep. 30, 2018

Accumulated Other Comprehensive Loss [Abstract]

Schedule Of Accumulated Other Comprehensive Loss



	September 30,		December 31,
	2018		2017
(Dollars in thousands)
Net unrealized (losses) gains on debt securities	$	(2,077)	$	154
Tax effect		436		(33)
Net of tax amount		(1,641)		121

Accumulated pension adjustment		(7,784)		(7,784)
Tax effect		1,635		1,635
Net of tax amount		(6,149)		(6,149)

Total accumulated other comprehensive loss	$	(7,790)	$	(6,028)

Investments (Tables)

9 Months Ended

Sep. 30, 2018

Investments [Abstract]

Unrealized Gain (Loss) On Investments



(Dollars in thousands)			Gross		Gross
	Amortized		unrealized		unrealized		Fair
September 30, 2018	cost		gains		losses		value
U.S. Government and Agency securities	$	9,405	$	15	$	(144)	$	9,276
Municipal securities		63,221		176		(994)		62,403
Trust preferred securities		4,069		—		(122)		3,947
Agency mortgage-backed securities		46,394		39		(1,063)		45,370
Private-label mortgage-backed securities		474		43		—		517
Asset-backed securities		3,917		—		(27)		3,890
	$	127,480	$	273	$	(2,350)	$	125,403



(Dollars in thousands)			Gross		Gross
	Amortized		unrealized		unrealized		Fair
December 31, 2017	cost		gains		losses		value
Equity securities	$	164	$	201	$	—	$	365
U.S. Government and Agency securities		11,451		64		(43)		11,472
Municipal securities		57,374		650		(252)		57,772
Trust preferred securities		6,000		—		(183)		5,817
Agency mortgage-backed securities		51,307		197		(567)		50,937
Private-label mortgage-backed securities		858		88		—		946
Asset-backed securities		28		—		(1)		27
	$	127,182	$	1,200	$	(1,046)	$	127,336

Amortized Cost And Fair Value Of Debt Securities, By Contractual Maturity



(Dollars in thousands)	Amortized cost		Fair value
Due in one year or less	$	14,466	$	14,508
Due after one year through five years		33,277		33,081
Due after five years through ten years		31,927		31,026
Due after ten years		942		901
		80,612		79,516
Mortgage-backed securities		46,868		45,887
	$	127,480	$	125,403

Composition Of Net Realized Securities Gains


	For the Three Months Ended				For the Nine Months Ended
	September 30,				September 30,
(Dollars in thousands)	2018		2017		2018		2017
Gross gains realized	$	5	$	1	$	67	$	3
Gross losses realized		—		—		(11)		—
Net gains realized	$	5	$	1	$	56	$	3

Schedule Of Unrealized Loss On Investments



	September 30, 2018
	Less than 12 months					12 months or more					Total
	Fair		Unrealized			Fair		Unrealized			Fair		Unrealized
(Dollars in thousands)	Value		Losses		Count	Value		Losses		Count	Value		Losses		Count

U.S. Government and Agency securities	$	4,011	$	(54)	5	$	4,381	$	(90)	12	$	8,392	$	(144)	17
Municipal securities		28,938		(520)	47		13,014		(474)	23		41,952		(994)	70
Trust preferred securities		2,102		(62)	3		1,845		(60)	2		3,947		(122)	5
Agency mortgage-backed securities		18,326		(311)	40		22,996		(752)	53		41,322		(1,063)	93
Asset-backed securities		3,886		(26)	6		4		(1)	1		3,890		(27)	7
Total temporarily impaired securities	$	57,263	$	(973)	101	$	42,240	$	(1,377)	91	$	99,503	$	(2,350)	192



	December 31, 2017
	Less than 12 months					12 months or more					Total
	Fair		Unrealized			Fair		Unrealized			Fair		Unrealized
(Dollars in thousands)	Value		Losses		Count	Value		Losses		Count	Value		Losses		Count

U.S. Government and Agency securities	$	2,315	$	(11)	5	$	3,528	$	(32)	10	$	5,843	$	(43)	15
Municipal securities		13,767		(89)	22		7,507		(163)	14		21,274		(252)	36
Trust preferred securities		1,216		(12)	2		4,601		(171)	5		5,817		(183)	7
Agency mortgage-backed securities		16,287		(129)	29		20,563		(438)	39		36,850		(567)	68
Asset-backed securities		—		—	—		4		(1)	1		4		(1)	1
Total temporarily impaired securities	$	33,585	$	(241)	58	$	36,203	$	(805)	69	$	69,788	$	(1,046)	127

Other Than Temporary Impairment, Credit Losses Recognized In Earnings



	Nine Months Ended
(Dollars in thousands)	September 30,
	2018		2017
Balance of cumulative credit-related OTTI at January 1	$	595	$	595
Additions for credit-related OTTI not previously recognized		—		—
Additional increases for credit-related OTTI previously recognized when there is
no intent to sell and no requirement to sell before recovery of amortized cost basis		—		—
Decreases for previously recognized credit-related OTTI because there was an intent to sell		(323)		—
Reduction for increases in cash flows expected to be collected		—		—
Balance of credit-related OTTI at September 30	$	272	$	595

Loans (Tables)

9 Months Ended

Sep. 30, 2018

Loans [Abstract]

Schedule Of Loans Outstanding



	September 30,		December 31,
(Dollars in thousands)	2018		2017
Residential Real Estate 1-4 Family
Consumer first liens	$	90,029	$	97,159
Commercial first lien		60,142		61,275
Total first liens		150,171		158,434

Consumer junior liens and lines of credit		43,044		45,043
Commercial junior liens and lines of credit		5,040		5,328
Total junior liens and lines of credit		48,084		50,371
Total residential real estate 1-4 family		198,255		208,805

Residential real estate - construction
Consumer		2,779		1,813
Commercial		9,510		8,088
Total residential real estate construction		12,289		9,901

Commercial real estate		475,838		428,428
Commercial		279,835		291,519
Total commercial		755,673		719,947

Consumer		4,766		5,047
		970,983		943,700
Less: Allowance for loan losses		(12,526)		(11,792)
Net Loans	$	958,457	$	931,908

Included in the loan balances are the following:
Net unamortized deferred loan costs	$	73	$	98

Loans pledged as collateral for borrowings and commitments from:
FHLB	$	762,292	$	737,313
Federal Reserve Bank		34,685		35,740
	$	796,977	$	773,053

Loan Quality and Allowance for Loan Losses (Tables)

9 Months Ended

Sep. 30, 2018

Loan Quality And Allowance for Loan Losses [Abstract]

Allowance For Loan Losses, By Loan Segment

The following table presents, by class, the activity in the Allowance for Loan Losses (ALL) for the periods shown:


	Residential Real Estate 1-4 Family
	First		Junior Liens &				Commercial
(Dollars in thousands)	Liens		Lines of Credit		Construction		Real Estate		Commercial		Consumer		Unallocated		Total

ALL at June 30, 2018	$	1,022	$	318	$	282	$	7,028	$	2,233	$	107	$	1,492	$	12,482
Charge-offs		—		—		—		—		(208)		(23)		—		(231)
Recoveries		—		—		—		1		19		5		—		25
Provision		(16)		(4)		(4)		242		122		12		(102)		250
ALL at September 30, 2018	$	1,006	$	314	$	278	$	7,271	$	2,166	$	101	$	1,390	$	12,526

ALL at December 31, 2017	$	1,060	$	330	$	224	$	6,526	$	2,110	$	105	$	1,437	$	11,792
Charge-offs		—		—		—		—		(8,944)		(78)		—		(9,022)
Recoveries		1		—		—		17		135		24		—		177
Provision		(55)		(16)		54		728		8,865		50		(47)		9,579
ALL at September 30, 2018	$	1,006	$	314	$	278	$	7,271	$	2,166	$	101	$	1,390	$	12,526

ALL at June 30, 2017	$	1,075	$	322	$	281	$	6,052	$	2,023	$	100	$	1,454	$	11,307
Charge-offs		—		—		—		(9)		(6)		(31)		—		(46)
Recoveries		1		5		—		17		5		4		—		32
Provision		(15)		(3)		(42)		198		(19)		19		112		250
ALL at September 30, 2017	$	1,061	$	324	$	239	$	6,258	$	2,003	$	92	$	1,566	$	11,543

ALL at December 31, 2016	$	1,105	$	323	$	224	$	6,109	$	1,893	$	100	$	1,321	$	11,075
Charge-offs		(13)		—		—		(14)		(8)		(83)		—		(118)
Recoveries		2		6		—		17		111		30		—		166
Provision		(33)		(5)		15		146		7		45		245		420
ALL at September 30, 2017	$	1,061	$	324	$	239	$	6,258	$	2,003	$	92	$	1,566	$	11,543

The following table presents, by class, loans that were evaluated for the ALL under the specific reserve (individually) and those that were evaluated under the general reserve (collectively) and the amount of the ALL established in each class as of September 30, 2018 and December 31, 2017:



	Residential Real Estate 1-4 Family
	First		Junior Liens &				Commercial
(Dollars in thousands)	Liens		Lines of Credit		Construction		Real Estate		Commercial		Consumer		Unallocated		Total

September 30, 2018
Loans evaluated for ALL:
Individually	$	408	$	—	$	460	$	10,574	$	3,106	$	—	$	—	$	14,548
Collectively		149,763		48,084		11,829		465,264		276,729		4,766		—		956,435
Total	$	150,171	$	48,084	$	12,289	$	475,838	$	279,835	$	4,766	$	—	$	970,983

ALL established for loans evaluated:
Individually	$	—	$	—	$	—	$	—	$	181	$	—	$	—	$	181
Collectively		1,006		314		278		7,271		1,985		101		1,390		12,345
ALL at September 30, 2018	$	1,006	$	314	$	278	$	7,271	$	2,166	$	101	$	1,390	$	12,526

December 31, 2017
Loans evaluated for ALL:
Individually	$	459	$	—	$	466	$	10,981	$	—	$	—	$	—	$	11,906
Collectively		157,975		50,371		9,435		417,447		291,519		5,047		—		931,794
Total	$	158,434	$	50,371	$	9,901	$	428,428	$	291,519	$	5,047	$	—	$	943,700

ALL established for loans evaluated:
Individually	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Collectively		1,060		330		224		6,526		2,110		105		1,437		11,792
ALL at December 31, 2017	$	1,060	$	330	$	224	$	6,526	$	2,110	$	105	$	1,437	$	11,792

Impaired Financing Receivables

The following table shows additional information about those loans considered to be impaired at September 30, 2018 and December 31, 2017:



	Impaired Loans
	With No Allowance				With Allowance
(Dollars in thousands)			Unpaid				Unpaid
	Recorded		Principal		Recorded		Principal		Related
September 30, 2018	Investment		Balance		Investment		Balance		Allowance
Residential Real Estate 1-4 Family
First liens	$	754	$	870	$	—	$	—	$	—
Junior liens and lines of credit		66		66		—		—		—
Total		820		936		—		—		—
Residential real estate - construction		460		531		—		—		—
Commercial real estate		10,715		11,248		—		—		—
Commercial		3,082		10,653		181		181		181
Total	$	15,077	$	23,368	$	181	$	181	$	181



December 31, 2017
Residential Real Estate 1-4 Family
First liens	$	869	$	950	$	—	$	—	$	—
Junior liens and lines of credit		—		—		—		—		—
Total		869		950		—		—		—
Residential real estate - construction		466		531		—		—		—
Commercial real estate		11,061		11,541		—		—		—
Commercial		187		201		—		—		—
Total	$	12,583	$	13,223	$	—	$	—	$	—

The following table shows the average of impaired loans and related interest income for the three and nine months ended September 30, 2018 and 2017:


	Three Months Ended				Nine Months Ended
	September 30, 2018				September 30, 2018
	Average		Interest		Average		Interest
(Dollars in thousands)	Recorded		Income		Recorded		Income
	Investment		Recognized		Investment		Recognized
Residential Real Estate 1-4 Family
First liens	$	1,091	$	10	$	899	$	31
Junior liens and lines of credit		268		2		750		2
Total		1,359		12		1,649		33
Residential real estate - construction		461		—		463		—
Commercial real estate		10,789		107		10,314		316
Commercial		3,465		—		5,284		—
Total	$	16,074	$	119	$	17,710	$	349

	Three Months Ended				Nine Months Ended
	September 30, 2017				September 30, 2017
	Average		Interest		Average		Interest
(Dollars in thousands)	Recorded		Income		Recorded		Income
	Investment		Recognized		Investment		Recognized
Residential Real Estate 1-4 Family
First liens	$	1,157	$	10	$	1,152	$	32
Junior liens and lines of credit		54		—		85		—
Total		1,211		10		1,237		32
Residential real estate - construction		471		—		475		—
Commercial real estate		11,218		109		12,216		328
Commercial		292		—		263		—
Total	$	13,192	$	119	$	14,191	$	360

Aging Of Payments Of The Loan Portfolio



(Dollars in thousands)			Loans Past Due and Still Accruing										Total
	Current		30-59 Days		60-89 Days		90 Days+		Total		Non-Accrual		Loans
September 30, 2018
Residential Real Estate 1-4 Family
First liens	$	149,366	$	503	$	231	$	—	$	734	$	71	$	150,171
Junior liens and lines of credit		47,907		40		71		43		154		23		48,084
Total		197,273		543		302		43		888		94		198,255
Residential real estate - construction		11,359		70		400		—		470		460		12,289
Commercial real estate		468,202		2,224		3,606		—		5,830		1,806		475,838
Commercial		276,180		328		64		—		392		3,263		279,835
Consumer		4,726		39		1		—		40		—		4,766
Total	$	957,740	$	3,204	$	4,373	$	43	$	7,620	$	5,623	$	970,983



December 31, 2017
Residential Real Estate 1-4 Family
First liens	$	157,247	$	485	$	534	$	—	$	1,019	$	168	$	158,434
Junior liens and lines of credit		50,202		139		30		—		169		—		50,371
Total		207,449		624		564		—		1,188		168		208,805
Residential real estate - construction		9,435		—		—		—		—		466		9,901
Commercial real estate		425,806		421		347		—		768		1,854		428,428
Commercial		291,221		111		—		—		111		187		291,519
Consumer		5,017		23		7		—		30		—		5,047
Total	$	938,928	$	1,179	$	918	$	—	$	2,097	$	2,675	$	943,700

Internal Credit Rating For The Loan Portfolio



	Pass		Special Mention		Substandard		Doubtful
(Dollars in thousands)	(1-5)		(6)		(7)		(8)		Total

September 30, 2018
Residential Real Estate 1-4 Family
First liens	$	149,741	$	—	$	430	$	—	$	150,171
Junior liens and lines of credit		48,018		—		66		—		48,084
Total		197,759		—		496		—		198,255
Residential real estate - construction		11,556		—		733		—		12,289
Commercial real estate		466,800		665		8,373		—		475,838
Commercial		275,249		—		4,586		—		279,835
Consumer		4,766		—		—		—		4,766
Total	$	956,130	$	665	$	14,188	$	—	$	970,983



December 31, 2017
Residential Real Estate 1-4 Family
First liens	$	157,395	$	—	$	1,039	$	—	$	158,434
Junior liens and lines of credit		50,371		—		—		—		50,371
Total		207,766		—		1,039		—		208,805
Residential real estate - construction		8,893		—		1,008		—		9,901
Commercial real estate		419,277		680		8,471		—		428,428
Commercial		289,916		—		1,603		—		291,519
Consumer		5,047		—		—		—		5,047
Total	$	930,899	$	680	$	12,121	$	—	$	943,700

Troubled Debt Restructuring Loans


								Troubled Debt Restructurings
								Within the Last 12 Months
								That Have Defaulted
(Dollars in thousands)	Troubled Debt Restructurings							On Modified Terms
	Number of	Recorded						Number of	Recorded
	Contracts	Investment		Performing*		Nonperforming*		Contracts	Investment
September 30, 2018
Residential real estate - construction	1	$	460	$	—	$	460	—	$	—
Residential real estate	4		683		683		—	—		—
Commercial real estate	11		10,574		8,909		1,665	—		—
Total	16	$	11,717	$	9,592	$	2,125	—	$	—


December 31, 2017
Residential real estate - construction	1	$	466	$	466	$	—	—	$	—
Residential real estate	5		737		701		36	—		—
Commercial real estate	11		10,983		10,388		595	—		—
Total	17	$	12,186	$	11,555	$	631	—	$	—

*The performing status is determined by the loan’s compliance with the modified terms.

Other Real Estate Owned (Tables)

9 Months Ended

Sep. 30, 2018

Other Real Estate Owned [Abstract]

Summary Of Changes In Other Real Estate Owned


	September 30,
(Dollars in thousands)	2018		2017
Balance at beginning of the period	$	2,598	$	4,915
Additions		105		52
Proceeds from dispositions		(32)		(2,255)
Loss on sales, net		—		(23)
Valuation adjustment		(6)		(60)
Balance at the end of the period	$	2,665	$	2,629

Pension (Tables)

9 Months Ended

Sep. 30, 2018

Pension [Abstract]

Schedule Of Net Periodic Pension Costs


	Three Months Ended				Nine Months Ended
	September 30,				September 30,
(Dollars in thousands)	2018		2017		2018		2017
Components of net periodic cost:
Service cost	$	90	$	80	$	270	$	237
Interest cost		138		167		414		500
Expected return on plan assets		(279)		(268)		(837)		(804)
Recognized net actuarial loss		176		137		528		411
Net period cost	$	125	$	116	$	375	$	344

Fair Value Measurements And Fair Values Of Financial Instruments (Tables)

9 Months Ended

Sep. 30, 2018

Fair Value Measurements And Fair Values Of Financial Instruments [Abstract]

Fair Value, By Balance Sheet Grouping



	September 30, 2018
	Carrying		Fair
(Dollars in thousands)	Amount		Value		Level 1		Level 2		Level 3
Financial assets, carried at cost:
Cash and cash equivalents	$	44,777	$	44,777	$	44,777	$	—	$	—
Restricted stock		452		452		—		452		—
Loans held for sale		1,072		1,072				1,072
Net loans		958,457		933,824		—		—		933,824
Accrued interest receivable		3,733		3,733		—		3,733		—

Financial assets, available for sale
Debt securities		125,403		125,403		—		125,403		—

Financial assets, fair value
Equity securities		383		383		383		—		—

Financial liabilities:
Deposits	$	1,071,857	$	1,071,744	$	—	$	1,071,744	$	—
Accrued interest payable		202		202		—		202		—
Off balance sheet financial instruments		—		—		—		—		—

	December 31, 2017
	Carrying		Fair
(Dollars in thousands)	Amount		Value		Level 1		Level 2		Level 3
Financial assets:
Cash and cash equivalents	$	58,603	$	58,603	$	58,603	$	—	$	—
Investment securities available for sale		127,336		127,336		365		126,971		—
Restricted stock		456		456		—		45		—
Loans held for sale		442		442		—		442		—
Net loans		931,908		929,891		—		—		929,891
Accrued interest receivable		3,847		3,847		—		3,847		—

Financial liabilities:
Deposits	$	1,047,181	$	1,046,476	$	—	$	1,046,476	$	—
Accrued interest payable		149		149		—		149		—

Schedule Of Fair Value, Assets And Liabilities Measured On Recurring Basis



(Dollars in Thousands	Fair Value at September 30, 2018
Asset Description	Level 1		Level 2		Level 3		Total
Equity securities, at fair value	$	383	$	—	$	—	$	383

Available for sale:
U.S. Government and Agency securities		—		9,276		—		9,276
Municipal securities		—		62,403		—		62,403
Trust Preferred Securities		—		3,947		—		3,947
Agency mortgage-backed securities		—		45,370		—		45,370
Private-label mortgage-backed securities		—		517		—		517
Asset-backed securities		—		3,890		—		3,890
Total assets	$	383	$	125,403	$	—	$	125,786



(Dollars in Thousands)	Fair Value at December 31, 2017
Asset Description	Level 1		Level 2		Level 3		Total
Equity securities	$	365	$	—	$	—	$	365
U.S. Government and Agency securities		—		11,472		—		11,472
Municipal securities		—		57,772		—		57,772
Trust Preferred Securities		—		5,817		—		5,817
Agency mortgage-backed securities		—		50,937		—		50,937
Private-label mortgage-backed securities		—		946		—		946
Asset-backed securities		—		27		—		27
Total assets	$	365	$	126,971	$	—	$	127,336

Schedule Of Fair Value On A Nonrecurring Basis



(Dollars in Thousands)
	Fair Value at September 30, 2018
Asset Description	Level 1		Level 2		Level 3		Total
Impaired Loans (1)	$	—	$	—	$	2,925	$	2,925
Total assets	$	—	$	—	$	2,925	$	2,925



(Dollars in Thousands)	Fair Value at December 31, 2017
Asset Description	Level 1		Level 2		Level 3		Total
Other real estate owned (1)	$	—	$	—	$	90	$	90
Total assets	$	—	$	—	$	90	$	90

(1)

Includes assets directly charged-down to fair value during the year-to-date period.

Fair Value Inputs, Assets, Quantitative Information


(Dollars in Thousands)		Quantitative Information about Level 3 Fair Value Measurements
					Range
September 30, 2018		Fair Value	Valuation Technique	Unobservable Input	(Weighted Average)
Impaired loans (1)	$	2,925	Appraisal	Appraisal Adjustments (2)	0%-50% (45%)
				Cost to sell

December 31, 2017		Fair Value	Valuation Technique	Unobservable Input	Weighted Average
Other real estate owned (1)	$	90	Appraisal	Cost to sell	8%

(1) Includes assets directly charged-down to fair value during the year-to-date period.
(2) Qualitative adjustments are discounts specific to each asset and are made as needed.

Capital Ratios (Tables)

9 Months Ended

Sep. 30, 2018

Capital Ratios [Abstract]

Schedule Of The Total Risk-based, Tier 1 Risk-based And Tier 1 Leverage Requirements


			Regulatory Ratios
			Adequately	Well
	September 30,	December 31,	Capitalized	Capitalized
(Dollars in thousands)	2018	2017	Minimum	Minimum

Common Equity Tier 1 Risk-based Capital Ratio (1)
Franklin Financial Services Corporation	13.64%	14.06%	4.500%	N/A
Farmers & Merchants Trust Company	13.42%	13.93%	4.500%	6.50%

Tier 1 Risk-based Capital Ratio (2)
Franklin Financial Services Corporation	13.64%	14.06%	6.000%	N/A
Farmers & Merchants Trust Company	13.42%	13.93%	6.000%	8.00%

Total Risk-based Capital Ratio (3)
Franklin Financial Services Corporation	14.89%	15.31%	8.000%	N/A
Farmers & Merchants Trust Company	14.68%	15.19%	8.000%	10.00%

Tier 1 Leverage Ratio (4)
Franklin Financial Services Corporation	9.59%	9.73%	4.000%	N/A
Farmers & Merchants Trust Company	9.48%	9.64%	4.000%	5.00%

(1) Common equity Tier 1 capital/ total risk-weighted assets (2) Tier 1 capital / total risk-weighted assets
(3) Total risk-based capital / total risk-weighted assets, (4) Tier 1 capital / average quarterly assets

Commitments And Contingencies (Tables)

9 Months Ended

Sep. 30, 2018

Commitments And Contingencies [Abstract]

Outstanding Commitments


	September 30,		December 31,
(Dollars in thousands)	2018		2017
Financial instruments whose contract amounts represent credit risk
Commercial commitments to extend credit	$	226,069	$	249,526
Consumer commitments to extend credit (secured)		46,166		44,866
Consumer commitments to extend credit (unsecured)		5,663		5,668
	$	277,898	$	300,060
Standby letters of credit	$	25,692	$	28,630

Basis Of Presentation (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017
Basis Of Presentation [Abstract]
Weighted average shares outstanding (basic)	4,391	4,343	4,375	4,332
Impact of common stock equivalents	21	21	24	21
Weighted average shares outstanding (diluted)	4,412	4,364	4,399	4,353
Net income	$ 4,000	$ 3,076	$ 2,321	$ 9,439
Basic earnings per share	$ 0.91	$ 0.71	$ 0.53	$ 2.18
Diluted earnings per share	$ 0.91	$ 0.70	$ 0.53	$ 2.17

- Definition

The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.

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+ Details

- Definition

The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.

+ References

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+ Details

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

+ References + Details

Recent Accounting Pronouncements (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017
Accounting Standards Update 2017-07 [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
New accounting pronouncement in accounting principle, effect of adoption quantification		$ 107
Retained Earnings [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Tax Cuts And Jobs Act Of 2017, Reclassification From AOCI To Retained	$ 992
Cumulative adjustment for fair value of equity securities	201
Accumulated Other Comprehensive Loss [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Tax Cuts And Jobs Act Of 2017, Reclassification From AOCI To Retained	(992)
Cumulative adjustment for fair value of equity securities	$ (201)

Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Accumulated Other Comprehensive Loss [Abstract]
Net unrealized (losses) gains on debt securities	$ (2,077)	$ 154
Tax effect	436	(33)
Net of tax amount	(1,641)	121
Accumulated pension adjustment	(7,784)	(7,784)
Tax effect	1,635	1,635
Net of tax amount	(6,149)	(6,149)
Total accumulated other comprehensive loss	$ (7,790)	$ (6,028)

Investments (Narrative) (Details) $ / shares in Units, $ in Thousands	9 Months Ended
	Sep. 30, 2018 USD ($) security $ / shares	Dec. 31, 2017 USD ($) security
Schedule of Available-for-sale Securities [Line Items]
Restricted stock	$ 452	$ 456
Number of temporarily impaired securities \| security	192	127
Unrealized Losses	$ 2,350	$ 1,046
Equity securities held \| security	1
Securities pledged as collateral	$ 86,900	84,100
Equity securities	$ 383	$ 365
Federal Home Loan Bank of Pittsburgh [Member]
Schedule of Available-for-sale Securities [Line Items]
Restricted stock per share \| $ / shares	$ 100
Non-Federal Home Loan Bank Of Pittsburgh [Member]
Schedule of Available-for-sale Securities [Line Items]
Restricted stock	$ 30

Investments (Unrealized Gain (loss) On Investments) (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	$ 127,480
Gross unrealized gains	273
Gross unrealized losses	(2,350)
Available for sale	125,403	$ 126,971
Before Adoption Of ASU 2016-01 [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost		127,182
Gross unrealized gains		1,200
Gross unrealized losses		(1,046)
Available for sale		127,336
Equity Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost		164
Gross unrealized gains		201
Available for sale		365
U.S. Government And Agency Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	9,405	11,451
Gross unrealized gains	15	64
Gross unrealized losses	(144)	(43)
Available for sale	9,276	11,472
Municipal Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	63,221	57,374
Gross unrealized gains	176	650
Gross unrealized losses	(994)	(252)
Available for sale	62,403	57,772
Trust Preferred Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	4,069	6,000
Gross unrealized losses	(122)	(183)
Available for sale	3,947	5,817
Agency Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	46,394	51,307
Gross unrealized gains	39	197
Gross unrealized losses	(1,063)	(567)
Available for sale	45,370	50,937
Private-Label Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	474	858
Gross unrealized gains	43	88
Available for sale	517	946
Asset-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	3,917	28
Gross unrealized losses	(27)	(1)
Available for sale	$ 3,890	$ 27

Investments (Amortized Cost And Fair Value Of Debt Securities, By Contractual Maturity) (Details) $ in Thousands	Sep. 30, 2018 USD ($)
Investments [Abstract]
Due in one year or less, Amortized cost	$ 14,466
Due after one year through five years, Amortized cost	33,277
Due after five years through ten years, Amortized cost	31,927
Due after ten years, Amortized cost	942
Amortized Cost Contractual Maturities Subtotal	80,612
Mortgage-backed securities, Amortized cost	46,868
Available-for-sale Securities, Debt Maturities, Amortized cost	127,480
Due in one year or less, Fair value	14,508
Due after one year through five years, Fair value	33,081
Due after five years through ten years, Fair value	31,026
Due after ten years, Fair value	901
Fair Value Contractual Maturities Subtotal	79,516
Mortgage-backed securities, Fair value	45,887
Available-for-sale Securities, Debt Securities, Fair Value	$ 125,403

Investments (Composition Of Net Realized Securities Gains) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017
Investments [Abstract]
Gross gains realized	$ 5	$ 1	$ 67	$ 3
Gross losses realized			(11)
Net gains realized	$ 5	$ 1	$ 56	$ 3

Investments (Schedule Of Unrealized Loss On Investments) (Details) $ in Thousands	Sep. 30, 2018 USD ($) security	Dec. 31, 2017 USD ($) security
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 57,263	$ 33,585
Less than 12 months: Unrealized Losses	$ (973)	$ (241)
Less than 12 months: Count \| security	101	58
12 months or more: Fair Value	$ 42,240	$ 36,203
12 months or more: Unrealized Losses	$ (1,377)	$ (805)
12 months or more: Count \| security	91	69
Fair Value	$ 99,503	$ 69,788
Unrealized Losses	$ (2,350)	$ (1,046)
Count \| security	192	127
U.S. Government And Agency Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 4,011	$ 2,315
Less than 12 months: Unrealized Losses	$ (54)	$ (11)
Less than 12 months: Count \| security	5	5
12 months or more: Fair Value	$ 4,381	$ 3,528
12 months or more: Unrealized Losses	$ (90)	$ (32)
12 months or more: Count \| security	12	10
Fair Value	$ 8,392	$ 5,843
Unrealized Losses	$ (144)	$ (43)
Count \| security	17	15
Municipal Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 28,938	$ 13,767
Less than 12 months: Unrealized Losses	$ (520)	$ (89)
Less than 12 months: Count \| security	47	22
12 months or more: Fair Value	$ 13,014	$ 7,507
12 months or more: Unrealized Losses	$ (474)	$ (163)
12 months or more: Count \| security	23	14
Fair Value	$ 41,952	$ 21,274
Unrealized Losses	$ (994)	$ (252)
Count \| security	70	36
Trust Preferred Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 2,102	$ 1,216
Less than 12 months: Unrealized Losses	$ (62)	$ (12)
Less than 12 months: Count \| security	3	2
12 months or more: Fair Value	$ 1,845	$ 4,601
12 months or more: Unrealized Losses	$ (60)	$ (171)
12 months or more: Count \| security	2	5
Fair Value	$ 3,947	$ 5,817
Unrealized Losses	$ (122)	$ (183)
Count \| security	5	7
Agency Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 18,326	$ 16,287
Less than 12 months: Unrealized Losses	$ (311)	$ (129)
Less than 12 months: Count \| security	40	29
12 months or more: Fair Value	$ 22,996	$ 20,563
12 months or more: Unrealized Losses	$ (752)	$ (438)
12 months or more: Count \| security	53	39
Fair Value	$ 41,322	$ 36,850
Unrealized Losses	$ (1,063)	$ (567)
Count \| security	93	68
Asset-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Less than 12 months: Fair Value	$ 3,886
Less than 12 months: Unrealized Losses	$ (26)
Less than 12 months: Count \| security	6
12 months or more: Fair Value	$ 4	$ 4
12 months or more: Unrealized Losses	$ (1)	$ (1)
12 months or more: Count \| security	1	1
Fair Value	$ 3,890	$ 4
Unrealized Losses	$ (27)	$ (1)
Count \| security	7	1

Investments (Other Than Temporary Impairment, Credit Losses Recognized In Earnings) (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017
Investments [Abstract]
Balance of cumulative credit-related OTTI at January 1	$ 595	$ 595
Additions for credit-related OTTI not previously recognized
Additional increases for credit-related OTTI previously recognized when there is no intent to sell and no requirement to sell before recovery of amortized cost basis
Decreases for previously recognized credit-related OTTI because there was an intent to sell	(323)
Reduction for increases in cash flows expected to be collected
Balance of credit-related OTTI at September 30	$ 272	$ 595

Loans (Schedule Of Loans Outstanding) (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 970,983	$ 943,700
Less: Allowance for loan losses	(12,526)	(11,792)
Net Loans	958,457	931,908
Net unamortized deferred loan costs	73	98
Loans pledged as collateral for borrowings and commitments from: FHLB	762,292	737,313
Loans pledged as collateral for borrowings and commitments from :Federal Reserve Bank	34,685	35,740
Total	796,977	773,053
Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	198,255	208,805
Residential Real Estate - Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	12,289	9,901
Less: Allowance for loan losses	(278)	(224)
Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	475,838	428,428
Less: Allowance for loan losses	(7,271)	(6,526)
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	279,835	291,519
Less: Allowance for loan losses	(2,166)	(2,110)
Total Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	755,673	719,947
Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	4,766	5,047
Less: Allowance for loan losses	(101)	(105)
Consumer First Liens [Member] \| Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	90,029	97,159
Consumer Junior Liens And Lines Of Credit [Member] \| Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	43,044	45,043
Consumer [Member] \| Residential Real Estate - Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	2,779	1,813
Commercial Junior Liens And Lines Of Credit [Member] \| Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	5,040	5,328
Commercial [Member] \| Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	60,142	61,275
Commercial [Member] \| Residential Real Estate - Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	9,510	8,088
First Liens [Member] \| Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	150,171	158,434
Less: Allowance for loan losses	(1,006)	(1,060)
Junior Lines And Lines Of Credit [Member] \| Residential Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 48,084	$ 50,371

Loan Quality and Allowance for Loan Losses (Allowance For Loan Losses, By Loan Segment) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017	Dec. 31, 2017
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	$ 12,482	$ 11,307	$ 11,792	$ 11,075
Charge-offs	(231)	(46)	(9,022)	(118)
Recoveries	25	32	177	166
Provision	250	250	9,579	420
Allowance, Ending Balance	12,526	11,543	12,526	11,543
Loans evaluated for allowance individually	14,548		14,548		$ 11,906
Loans evaluated for allowance collectively	956,435		956,435		931,794
Total Loans	970,983		970,983		943,700
Allowance established for loans evaluated individually	181		181
Allowance established for loan evaluated collectively	12,345		12,345		11,792
Total Allowance	12,526		12,526		11,792
Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total Loans	198,255		198,255		208,805
Residential Real Estate - Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	282	281	224	224
Provision	(4)	(42)	54	15
Allowance, Ending Balance	278	239	278	239
Loans evaluated for allowance individually	460		460		466
Loans evaluated for allowance collectively	11,829		11,829		9,435
Total Loans	12,289		12,289		9,901
Allowance established for loan evaluated collectively	278		278		224
Total Allowance	278		278		224
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	7,028	6,052	6,526	6,109
Charge-offs		(9)		(14)
Recoveries	1	17	17	17
Provision	242	198	728	146
Allowance, Ending Balance	7,271	6,258	7,271	6,258
Loans evaluated for allowance individually	10,574		10,574		10,981
Loans evaluated for allowance collectively	465,264		465,264		417,447
Total Loans	475,838		475,838		428,428
Allowance established for loan evaluated collectively	7,271		7,271		6,526
Total Allowance	7,271		7,271		6,526
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	2,233	2,023	2,110	1,893
Charge-offs	(208)	(6)	(8,944)	(8)
Recoveries	19	5	135	111
Provision	122	(19)	8,865	7
Allowance, Ending Balance	2,166	2,003	2,166	2,003
Loans evaluated for allowance individually	3,106		3,106
Loans evaluated for allowance collectively	276,729		276,729		291,519
Total Loans	279,835		279,835		291,519
Allowance established for loans evaluated individually	181		181
Allowance established for loan evaluated collectively	1,985		1,985		2,110
Total Allowance	2,166		2,166		2,110
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	107	100	105	100
Charge-offs	(23)	(31)	(78)	(83)
Recoveries	5	4	24	30
Provision	12	19	50	45
Allowance, Ending Balance	101	92	101	92
Loans evaluated for allowance collectively	4,766		4,766		5,047
Total Loans	4,766		4,766		5,047
Allowance established for loan evaluated collectively	101		101		105
Total Allowance	101		101		105
Unallocated [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	1,492	1,454	1,437	1,321
Provision	(102)	112	(47)	245
Allowance, Ending Balance	1,390	1,566	1,390	1,566
Allowance established for loan evaluated collectively	1,390		1,390		1,437
Total Allowance	1,390		1,390		1,437
First Liens [Member] \| Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	1,022	1,075	1,060	1,105
Charge-offs				(13)
Recoveries		1	1	2
Provision	(16)	(15)	(55)	(33)
Allowance, Ending Balance	1,006	1,061	1,006	1,061
Loans evaluated for allowance individually	408		408		459
Loans evaluated for allowance collectively	149,763		149,763		157,975
Total Loans	150,171		150,171		158,434
Allowance established for loan evaluated collectively	1,006		1,006		1,060
Total Allowance	1,006		1,006		1,060
Junior Liens & Lines Of Credit [Member] \| Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance, Beginning Balance	318	322	330	323
Recoveries		5		6
Provision	(4)	(3)	(16)	(5)
Allowance, Ending Balance	314	$ 324	314	$ 324
Loans evaluated for allowance collectively	48,084		48,084		50,371
Total Loans	48,084		48,084		50,371
Allowance established for loan evaluated collectively	314		314		330
Total Allowance	$ 314		$ 314		$ 330

Loan Quality and Allowance for Loan Losses (Impaired Financing Receivables) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017	Dec. 31, 2017
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Allowance	$ 15,077		$ 15,077		$ 12,583
Unpaid Principal Balance With No Allowance	23,368		23,368		13,223
Recorded Investment With Allowance	181		181
Unpaid Principal Balance With Allowance	181		181
Related Allowance	181		181
Average Recorded Investment	16,074	$ 13,192	17,710	$ 14,191
Interest Income Recognized	119	119	349	360
Residential Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Allowance	820		820		869
Unpaid Principal Balance With No Allowance	936		936		950
Recorded Investment With Allowance
Unpaid Principal Balance With Allowance
Related Allowance
Average Recorded Investment	1,359	1,211	1,649	1,237
Interest Income Recognized	12	10	33	32
Residential Real Estate [Member] \| First Liens [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Allowance	754		754		869
Unpaid Principal Balance With No Allowance	870		870		950
Recorded Investment With Allowance
Unpaid Principal Balance With Allowance
Related Allowance
Average Recorded Investment	1,091	1,157	899	1,152
Interest Income Recognized	10	10	31	32
Residential Real Estate [Member] \| Junior Liens & Lines Of Credit [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Allowance	66		66
Unpaid Principal Balance With No Allowance	66		66
Recorded Investment With Allowance
Unpaid Principal Balance With Allowance
Related Allowance
Average Recorded Investment	268	54	750	85
Interest Income Recognized	2		2
Residential Real Estate - Construction [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Allowance	460		460		466
Unpaid Principal Balance With No Allowance	531		531		531
Recorded Investment With Allowance
Unpaid Principal Balance With Allowance
Related Allowance
Average Recorded Investment	461	471	463	475
Commercial Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Allowance	10,715		10,715		11,061
Unpaid Principal Balance With No Allowance	11,248		11,248		11,541
Recorded Investment With Allowance
Unpaid Principal Balance With Allowance
Related Allowance
Average Recorded Investment	10,789	11,218	10,314	12,216
Interest Income Recognized	107	109	316	328
Commercial [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Allowance	3,082		3,082		187
Unpaid Principal Balance With No Allowance	10,653		10,653		201
Recorded Investment With Allowance	181		181
Unpaid Principal Balance With Allowance	181		181
Related Allowance	181		181
Average Recorded Investment	$ 3,465	$ 292	$ 5,284	$ 263

Loan Quality and Allowance for Loan Losses (Aging Of Payments Of The Loan Portfolio) (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	$ 957,740	$ 938,928
Loans Past Due and Still Accruing	7,620	2,097
Non-accrual loans	5,623	2,675
Total Loans	970,983	943,700
30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	3,204	1,179
60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	4,373	918
90 Days+ Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	43
Residential Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	197,273	207,449
Loans Past Due and Still Accruing	888	1,188
Non-accrual loans	94	168
Total Loans	198,255	208,805
Residential Real Estate [Member] \| 30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	543	624
Residential Real Estate [Member] \| 60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	302	564
Residential Real Estate [Member] \| 90 Days+ Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	43
Residential Real Estate [Member] \| First Liens [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	149,366	157,247
Loans Past Due and Still Accruing	734	1,019
Non-accrual loans	71	168
Total Loans	150,171	158,434
Residential Real Estate [Member] \| First Liens [Member] \| 30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	503	485
Residential Real Estate [Member] \| First Liens [Member] \| 60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	231	534
Residential Real Estate [Member] \| Junior Liens & Lines Of Credit [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	47,907	50,202
Loans Past Due and Still Accruing	154	169
Non-accrual loans	23
Total Loans	48,084	50,371
Residential Real Estate [Member] \| Junior Liens & Lines Of Credit [Member] \| 30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	40	139
Residential Real Estate [Member] \| Junior Liens & Lines Of Credit [Member] \| 60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	71	30
Residential Real Estate [Member] \| Junior Liens & Lines Of Credit [Member] \| 90 Days+ Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	43
Residential Real Estate - Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	11,359	9,435
Loans Past Due and Still Accruing	470
Non-accrual loans	460	466
Total Loans	12,289	9,901
Residential Real Estate - Construction [Member] \| 30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	70
Residential Real Estate - Construction [Member] \| 60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	400
Commercial Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	468,202	425,806
Loans Past Due and Still Accruing	5,830	768
Non-accrual loans	1,806	1,854
Total Loans	475,838	428,428
Commercial Real Estate [Member] \| 30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	2,224	421
Commercial Real Estate [Member] \| 60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	3,606	347
Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	276,180	291,221
Loans Past Due and Still Accruing	392	111
Non-accrual loans	3,263	187
Total Loans	279,835	291,519
Commercial [Member] \| 30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	328	111
Commercial [Member] \| 60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	64
Consumer [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	4,726	5,017
Loans Past Due and Still Accruing	40	30
Total Loans	4,766	5,047
Consumer [Member] \| 30 - 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	39	23
Consumer [Member] \| 60 - 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Past Due and Still Accruing	$ 1	$ 7

Loan Quality and Allowance for Loan Losses (Internal Credit Rating For The Loan Portfolio) (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	$ 970,983	$ 943,700
Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	956,130	930,899
Special Mention [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	665	680
Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	14,188	12,121
Doubtful [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount
Residential Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	198,255	208,805
Residential Real Estate [Member] \| Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	197,759	207,766
Residential Real Estate [Member] \| Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	496	1,039
Residential Real Estate [Member] \| Doubtful [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount
Residential Real Estate [Member] \| First Liens [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	150,171	158,434
Residential Real Estate [Member] \| First Liens [Member] \| Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	149,741	157,395
Residential Real Estate [Member] \| First Liens [Member] \| Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	430	1,039
Residential Real Estate [Member] \| First Liens [Member] \| Doubtful [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount
Residential Real Estate [Member] \| Junior Liens & Lines Of Credit [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	48,084	50,371
Residential Real Estate [Member] \| Junior Liens & Lines Of Credit [Member] \| Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	48,018	50,371
Residential Real Estate [Member] \| Junior Liens & Lines Of Credit [Member] \| Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	66
Residential Real Estate [Member] \| Junior Liens & Lines Of Credit [Member] \| Doubtful [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount
Residential Real Estate - Construction [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	12,289	9,901
Residential Real Estate - Construction [Member] \| Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	11,556	8,893
Residential Real Estate - Construction [Member] \| Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	733	1,008
Residential Real Estate - Construction [Member] \| Doubtful [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	475,838	428,428
Commercial Real Estate [Member] \| Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	466,800	419,277
Commercial Real Estate [Member] \| Special Mention [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	665	680
Commercial Real Estate [Member] \| Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	8,373	8,471
Commercial Real Estate [Member] \| Doubtful [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount
Commercial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	279,835	291,519
Commercial [Member] \| Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	275,249	289,916
Commercial [Member] \| Substandard [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	4,586	1,603
Commercial [Member] \| Doubtful [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	4,766	5,047
Consumer [Member] \| Pass [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount	4,766	5,047
Consumer [Member] \| Doubtful [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Gross, Carrying Amount

Loan Quality and Allowance for Loan Losses (Troubled Debt Restructuring Loans) (Details)
$ in Thousands

3 Months Ended

9 Months Ended

Sep. 30, 2018

USD ($)

item

contract

Sep. 30, 2017

item

Sep. 30, 2018

USD ($)

item

contract

Sep. 30, 2017

item

Dec. 31, 2017

USD ($)

contract

Financing Receivable, Modifications [Line Items]

Troubled Debt Restructurings: Number of Contracts | contract

16

17

Troubled Debt Restructurings: Recorded Investment

$ 11,717

$ 12,186

Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Number of Contracts | contract

Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Recorded Investment

New During Period, Number of Contracts | item

0

Performing [Member]

Financing Receivable, Modifications [Line Items]

Troubled Debt Restructurings: Recorded Investment

^[1]

$ 9,592

11,555

Nonperforming [Member]

Financing Receivable, Modifications [Line Items]

Troubled Debt Restructurings: Recorded Investment

^[1]

$ 2,125

$ 631

Residential Real Estate - Construction [Member]

Financing Receivable, Modifications [Line Items]

Troubled Debt Restructurings: Number of Contracts | contract

1

Troubled Debt Restructurings: Recorded Investment

$ 460

$ 466

Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Number of Contracts | contract

Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Recorded Investment

Residential Real Estate - Construction [Member] | Performing [Member]

Financing Receivable, Modifications [Line Items]

Troubled Debt Restructurings: Recorded Investment

^[1]

$ 466

Residential Real Estate - Construction [Member] | Nonperforming [Member]

Financing Receivable, Modifications [Line Items]

Troubled Debt Restructurings: Recorded Investment

^[1]

$ 460

Residential Real Estate [Member]

Financing Receivable, Modifications [Line Items]

Troubled Debt Restructurings: Number of Contracts | contract

4

5

Troubled Debt Restructurings: Recorded Investment

$ 683

$ 737

Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Number of Contracts | contract

Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Recorded Investment

Residential Real Estate [Member] | Performing [Member]

Financing Receivable, Modifications [Line Items]

Troubled Debt Restructurings: Recorded Investment

^[1]

$ 683

701

Residential Real Estate [Member] | Nonperforming [Member]

Financing Receivable, Modifications [Line Items]

Troubled Debt Restructurings: Recorded Investment

^[1]

$ 36

Commercial Real Estate [Member]

Financing Receivable, Modifications [Line Items]

Troubled Debt Restructurings: Number of Contracts | contract

11

Troubled Debt Restructurings: Recorded Investment

$ 10,574

$ 10,983

Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Number of Contracts | contract

Troubled Debt Restructurings That Have Defaulted on Modified Terms in the Last Twelve Months: Recorded Investment

Commercial Real Estate [Member] | Performing [Member]

Financing Receivable, Modifications [Line Items]

Troubled Debt Restructurings: Recorded Investment

^[1]

8,909

10,388

Commercial Real Estate [Member] | Nonperforming [Member]

Financing Receivable, Modifications [Line Items]

Troubled Debt Restructurings: Recorded Investment

^[1]

$ 1,665

$ 595

[1]	The performing status is determined by the loan's compliance with the modified terms.

Other Real Estate Owned (Details) - USD ($) $ in Thousands	9 Months Ended
Other Real Estate Owned (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Sep. 30, 2017
Other Real Estate Owned [Abstract]
Balance at beginning of the period	$ 2,598	$ 4,915
Additions	105	52
Proceeds from dispositions	(32)	(2,255)
Loss on sales, net		(23)
Valuation adjustment	(6)	(60)
Balance at the end of the period	$ 2,665	$ 2,629

Pension (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended			9 Months Ended		12 Months Ended
Pension (Narrative) (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Mar. 31, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017	Dec. 31, 2017
Pension [Abstract]
Expected pension expense	$ 500			$ 500
Pension Contributions		$ 1,000		1,000
Pension expense	$ 125		$ 116	$ 375	$ 344	$ 459

Pension (Schedule Of Net Periodic Pension Costs) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017	Dec. 31, 2017
Pension [Abstract]
Service cost	$ 90	$ 80	$ 270	$ 237
Interest cost	138	167	414	500
Expected return on plan assets	(279)	(268)	(837)	(804)
Recognized net actuarial loss	176	137	528	411
Net period cost	$ 125	$ 116	$ 375	$ 344	$ 459

Fair Value Measurements And Fair Values Of Financial Instruments (Narrative) (Details)	Sep. 30, 2018 USD ($)
Fair Value Measurements And Fair Values Of Financial Instruments [Abstract]
Total liabilities	$ 0
Assets, Level 1 to Level 2 Transfers	0
Liabilities, Level 1 to Level 2 Transfers	$ 0

Fair Value Measurements And Fair Values Of Financial Instruments (Fair Value, By Balance Sheet Grouping) (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale	$ 125,403	$ 126,971
Equity securities	383	365
Carrying Amount [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	44,777	58,603
Restricted stock	452	456
Loans held for sale	1,072	442
Net loans	958,457	931,908
Accrued interest receivable	3,733	3,847
Available for sale	125,403
Equity securities	383
Deposits	1,071,857	1,047,181
Accrued interest payable	202	149
Fair Value [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	44,777	58,603
Restricted stock	452	456
Loans held for sale	1,072	442
Net loans	933,824	929,891
Accrued interest receivable	3,733	3,847
Available for sale	125,403
Equity securities	383
Deposits	1,071,744	1,046,476
Accrued interest payable	202	149
Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	44,777	58,603
Equity securities	383
Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Restricted stock	452	45
Loans held for sale	1,072	442
Accrued interest receivable	3,733	3,847
Available for sale	125,403
Deposits	1,071,744	1,046,476
Accrued interest payable	202	149
Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Net loans	$ 933,824	929,891
Before Adoption Of ASU 2016-01 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale		127,336
Before Adoption Of ASU 2016-01 [Member] \| Carrying Amount [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale		127,336
Before Adoption Of ASU 2016-01 [Member] \| Fair Value [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale		127,336
Before Adoption Of ASU 2016-01 [Member] \| Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale		365
Before Adoption Of ASU 2016-01 [Member] \| Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale		$ 126,971

Fair Value Measurements And Fair Values Of Financial Instruments (Schedule Of Fair Value, Assets And Liabilities Measured On Recurring Basis) (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities, at fair value	$ 383	$ 365
Available for sale	125,403	126,971
Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities, at fair value	383
Total assets	125,786	127,336
Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities, at fair value	383
Level 1 [Member] \| Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities, at fair value	383
Total assets	383	365
Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	125,403
Level 2 [Member] \| Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets	125,403	126,971
Equity Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale		365
Equity Securities [Member] \| Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale		365
Equity Securities [Member] \| Level 1 [Member] \| Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale		365
U.S. Government And Agency Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	9,276	11,472
U.S. Government And Agency Securities [Member] \| Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	9,276	11,472
U.S. Government And Agency Securities [Member] \| Level 2 [Member] \| Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	9,276	11,472
Municipal Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	62,403	57,772
Municipal Securities [Member] \| Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	62,403	57,772
Municipal Securities [Member] \| Level 2 [Member] \| Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	62,403	57,772
Trust Preferred Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	3,947	5,817
Trust Preferred Securities [Member] \| Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	3,947	5,817
Trust Preferred Securities [Member] \| Level 2 [Member] \| Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	3,947	5,817
Agency Mortgage-Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	45,370	50,937
Agency Mortgage-Backed Securities [Member] \| Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	45,370	50,937
Agency Mortgage-Backed Securities [Member] \| Level 2 [Member] \| Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	45,370	50,937
Private-Label Mortgage-Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	517	946
Private-Label Mortgage-Backed Securities [Member] \| Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	517	946
Private-Label Mortgage-Backed Securities [Member] \| Level 2 [Member] \| Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	517	946
Asset-Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	3,890	27
Asset-Backed Securities [Member] \| Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	3,890	27
Asset-Backed Securities [Member] \| Level 2 [Member] \| Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale	$ 3,890	$ 27

Fair Value Measurements And Fair Values Of Financial Instruments (Schedule Of Fair Value On A Nonrecurring Basis) (Details) - USD ($)
$ in Thousands

Sep. 30, 2018

Dec. 31, 2017

Fair Value, Measurements, Nonrecurring [Member]

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Assets, Fair Value Disclosure

$ 2,925

$ 90

Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member]

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Assets, Fair Value Disclosure

2,925

90

Impaired Loans [Member] | Fair Value, Measurements, Nonrecurring [Member]

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Assets, Fair Value Disclosure

^[1]

2,925

Impaired Loans [Member] | Level 3 [Member]

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Assets, Fair Value Disclosure

^[2]

2,925

Impaired Loans [Member] | Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member]

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Assets, Fair Value Disclosure

^[1]

$ 2,925

Other Real Estate Owned [Member] | Fair Value, Measurements, Nonrecurring [Member]

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Assets, Fair Value Disclosure

^[1]

90

Other Real Estate Owned [Member] | Level 3 [Member]

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Assets, Fair Value Disclosure

^[2]

90

Other Real Estate Owned [Member] | Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member]

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Assets, Fair Value Disclosure

^[1]

$ 90

[1]	(Dollars in Thousands)Fair Value at December 31, 2017Asset DescriptionLevel 1Level 2Level 3TotalOther real estate owned (1)$ -$ -$ 90$ 90Total assets$ -$ -$ 90$ 90Includes assets directly charged-down to fair value during the year-to-date period.
[2]	Includes assets directly charged-down to fair value during the year-to-date period.

Fair Value Measurements And Fair Values Of Financial Instruments (Fair Value Inputs, Assets, Quantitative Information) (Details) - Level 3 [Member] - USD ($)
$ in Thousands

Sep. 30, 2018

Dec. 31, 2017

Impaired Loans [Member]

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Assets, Fair Value Disclosure

^[1]

$ 2,925

Impaired Loans [Member] | Minimum [Member] | Appraisal Adjustment [Member]

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Quantitative Information Percentage

0.00%

Impaired Loans [Member] | Maximum [Member] | Appraisal Adjustment [Member]

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Quantitative Information Percentage

50.00%

Impaired Loans [Member] | Weighted Average [Member] | Appraisal Adjustment [Member]

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Quantitative Information Percentage

45.00%

Other Real Estate Owned [Member]

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Assets, Fair Value Disclosure

^[1]

$ 90

Other Real Estate Owned [Member] | Cost To Sell [Member]

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Quantitative Information Percentage

8.00%

[1]	Includes assets directly charged-down to fair value during the year-to-date period.

Capital Ratios (Narrative) (Details)

9 Months Ended

Sep. 30, 2018

Dec. 31, 2017

Dec. 31, 2016

Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]

Total Risk-based Capital Ratio: Ratio

14.89%

Capital Ratios, Basel III, Capital Conservation Buffer

1.25%

0.625%

Capital Ratios, Basel III, Capital Conservation Buffer, Year Two

1.875%

Capital Ratios, Basel III, Capital Conservation Buffer, Year Three

2.50%

Farmers & Merchants Trust Company [Member]

Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]

Common Equity Tier 1 Risk-based Capital Ratio: Well Capitalized Minimum: Ratio

^[1]

6.50%

Tier 1 Risk-based Capital Ratio: Well Capitalized Minimum: Ratio

8.00%

^[2]

6.00%

Tier 1 Leverage Ratio: Well Capitalized Minimum: Ratio

^[3]

5.00%

Total Risk-based Capital Ratio: Well Capitalized Minimum: Ratio

^[4]

10.00%

Capital ratios, capital conservation buffer

6.89%

Total Risk-based Capital Ratio: Ratio

^[4]

14.68%

15.19%

[1]	Common equity Tier 1 capital/ total risk-weighted assets
[2]	Tier 1 capital / total risk-weighted assets
[3]	Tier 1 capital / average quarterly assets
[4]	Total risk-based capital / total risk-weighted assets

Capital Ratios (Schedule Of The Total Risk-based, Tier 1 Risk-based And Tier 1 Leverage Requirements) (Details)

Sep. 30, 2018

Dec. 31, 2017

Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]

Total Risk-based Capital Ratio: Ratio

14.89%

Franklin Financial Services Corporation [Member]

Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]

Common Equity Tier 1 Risk-based Capital Ratio: Ratio

^[1]

13.64%

14.06%

Common Equity Tier 1 Risk-based Capital Ratio: Adequately Capitalized Minimum: Ratio

^[1]

4.50%

Tier 1 Risk-based Capital Ratio: Ratio

^[2]

13.64%

14.06%

Tier 1 Risk-based Capital Ratio: Adequately Capitalized Minimum: Ratio

^[2]

6.00%

Total Risk-based Capital Ratio: Ratio

^[3]

14.89%

15.31%

Total Risk-based Capital Ratio: Adequately Capitalized Minimum: Ratio

^[3]

8.00%

Tier 1 Leverage Ratio: Ratio

^[4]

9.59%

9.73%

Tier 1 Leverage Ratio: Adequately Capitalized Minimum: Ratio

^[4]

4.00%

Farmers & Merchants Trust Company [Member]

Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]

Common Equity Tier 1 Risk-based Capital Ratio: Ratio

^[1]

13.42%

13.93%

Common Equity Tier 1 Risk-based Capital Ratio: Adequately Capitalized Minimum: Ratio

^[1]

4.50%

Common Equity Tier 1 Risk-based Capital Ratio: Well Capitalized Minimum: Ratio

^[1]

6.50%

Tier 1 Risk-based Capital Ratio: Ratio

^[2]

13.42%

13.93%

Tier 1 Risk-based Capital Ratio: Adequately Capitalized Minimum: Ratio

^[2]

6.00%

Tier 1 Risk-based Capital Ratio: Well Capitalized Minimum: Ratio

8.00%

^[2]

6.00%

Total Risk-based Capital Ratio: Ratio

^[3]

14.68%

15.19%

Total Risk-based Capital Ratio: Adequately Capitalized Minimum: Ratio

^[3]

8.00%

Total Risk-based Capital Ratio: Well Capitalized Minimum: Ratio

^[3]

10.00%

Tier 1 Leverage Ratio: Ratio

^[4]

9.48%

9.64%

Tier 1 Leverage Ratio: Adequately Capitalized Minimum: Ratio

^[4]

4.00%

Tier 1 Leverage Ratio: Well Capitalized Minimum: Ratio

^[4]

5.00%

[1]	Common equity Tier 1 capital/ total risk-weighted assets
[2]	Tier 1 capital / total risk-weighted assets
[3]	Total risk-based capital / total risk-weighted assets
[4]	Tier 1 capital / average quarterly assets

Revenue Recognition (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
Revenue Recognition (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017
Disaggregation of Revenue [Line Items]
Investment and trust services fees	$ 1,424	$ 1,353	$ 4,285	$ 3,991
Estate management services Fees recognition period			18 months
Asset Management Fees [Member]
Disaggregation of Revenue [Line Items]
Investment and trust services fees	1,300		$ 3,800
Estate Management Services Fees [Member]
Disaggregation of Revenue [Line Items]
Investment and trust services fees	86		228
Commisions [Member]
Disaggregation of Revenue [Line Items]
Investment and trust services fees	$ 75		$ 218

Commitments And Contingencies (Narrative) (Details) - USD ($) $ in Thousands		9 Months Ended
	Jun. 30, 2018	Sep. 30, 2018	Dec. 31, 2017
Commitments And Contingencies [Abstract]
Allowance against letters of credit	$ 2,400	$ 2,361
Accrued settlement payment			$ 10,000

Commitments And Contingencies (Outstanding Commitments ) (Details) - USD ($) $ in Thousands	Sep. 30, 2018	Dec. 31, 2017
Commercial Commitments To Extend Credit [Member]
Loss Contingencies [Line Items]
Commitments outstanding	$ 226,069	$ 249,526
Consumer Commitments To Extend Credit (Secured) [Member]
Loss Contingencies [Line Items]
Commitments outstanding	46,166	44,866
Consumer Commitments To Extend Credit (Unsecured) [Member]
Loss Contingencies [Line Items]
Commitments outstanding	5,663	5,668
Commitments To Extend Credit [Member]
Loss Contingencies [Line Items]
Commitments outstanding	277,898	300,060
Standby Letters of Credit [Member]
Loss Contingencies [Line Items]
Commitments outstanding	$ 25,692	$ 28,630