NOTE 5 - PREMISES AND EQUIPMENT

12 Months Ended

Dec. 31, 2012

Property, Plant and Equipment Disclosure [Text Block]

5. PREMISES AND EQUIPMENT

Major classifications of premises and equipment at December 31 are summarized as follows (in thousands):

	2012		2011
Land	$	2,620	$	2,366
Building and building improvements		9,341		8,657
Furniture, fixtures and equipment		12,599		12,514
Leasehold improvements		2,791		2,995
Construction in process		5		33
Total premises and equipment		27,356		26,565
Less: Accumulated depreciation/amortization		18,175		17,904
Premises and equipment, net	$	9,181	$	8,661

Depreciation and amortization included in occupancy and equipment expense totaled $1,080,000, $1,197,000 and $1,535,000 for the years ended December 31, 2012, 2011 and 2010, respectively.