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PREMISES AND EQUIPMENT
 12 Months Ended
Dec. 31, 2024
PREMISES AND EQUIPMENT [Abstract]  
PREMISES AND EQUIPMENT
5.
PREMISES AND EQUIPMENT

Detail of premises and equipment at year-end follows (dollars in thousands):

    December 31,
  
   
2024
    
2023
  
Land
  
$
9,514
    
$
9,530
  
Buildings and improvements
    
66,707
      
66,558
  
Furniture and equipment
    
47,166
      
51,225
  
Construction in process
    
1,365
      
396
  
     
124,752
      
127,709
  
Less accumulated depreciation
    
(71,801
)
    
(72,639
)
Premises and equipment, net
  
$
52,951
    
$
55,070
  

Depreciation expense for the years ended December 31, 2024, 2023 and 2022 was approximately $5.3 million, $5.1 million, and $5.1 million, respectively.