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NOTE 8 - BANK PREMISES AND EQUIPMENT (Tables)
12 Months Ended
Dec. 31, 2020
Property, Plant and Equipment [Abstract]  
components of premises and equipment

The components of premises and equipment are as follows:

December 31, (in thousands) 2020 2019
Land $2,762 $2,762
Buildings and improvements 14,886 14,878
Leasehold improvements 1,553 1,553
Finance leases 1,798 1,798
Furniture, fixtures, equipment and software 9,687 9,370
Fixed assets in process 4,838 768
Total cost 35,525 31,129
Accumulated depreciation and amortization (15,170) (13,744)
Bank premises and equipment, net $20,355 $17,385