BANK PREMISES AND EQUIPMENT - Components of premises and equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Finance leases	$ 2,863
Components of premises and equipment
Land	2,762	$ 2,593
Buildings and improvements	14,878	13,458
Leasehold improvements	1,553	1,553
Finance leases	1,798	3,273
Furniture, fixtures, equipment and software	9,370	8,978
Fixed assets in process	768	790
Total cost	31,129	30,645
Accumulated depreciation and amortization	(13,744)	(12,470)
Bank premises and equipment, net	$ 17,385	$ 18,175

Amount of accumulated depreciation, depletion and amortization for physical assets used in the normal conduct of business to produce goods and services.

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Amount before accumulated depreciation of building structures held for productive use including addition, improvement, or renovation to the structure, including, but not limited to, interior masonry, interior flooring, electrical, and plumbing.

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Amount before accumulated depreciation of leased physical assets used in the normal conduct of business to produce goods and services.

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Amount of structure or a modification to a structure under construction. Includes recently completed structures or modifications to structures that have not been placed into service.

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- Definition

Amount before accumulated depreciation of equipment commonly used in offices and stores that have no permanent connection to the structure of a building or utilities. Examples include, but are not limited to, desks, chairs, tables, and bookcases.

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Amount before accumulated depletion of real estate held for productive use, excluding land held for sale.

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Amount before accumulated depreciation of additions or improvements to assets held under a lease arrangement.

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Amount before accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures.

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Amount after depreciation of long-lived, physical assets used to produce goods and services and not intended for resale, classified as other.

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