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PREMISES & EQUIPMENT (Tables)
 12 Months Ended
Dec. 31, 2025
PREMISES & EQUIPMENT [Abstract]  
Premises and Equipment
Premises and equipment at December 31, 2025 and 2024 are summarized as follows (in thousands):
 
   
December 31,
  
   
2025
    
2024
  
Land
  
$
5,839
    
$
5,839
  
Buildings
    
22,970
      
23,012
  
Furniture, fixtures and equipment
    
9,439
      
9,047
  
Construction in process
    
1,999
      
2,172
  
     
40,247
      
40,070
  
Less: accumulated depreciation
    
19,249
      
18,675
  
Premises and equipment, net
  
$
20,998
    
$
21,395