PREMISES AND EQUIPMENT (Tables)

12 Months Ended

Dec. 31, 2013

At December 31, 2013 and 2012, premises and equipment consisted of the following (in thousands):

	Estimated Useful Lives	2013			2012
Land	Indefinite	$	3,201		$	3,326
Premises	30 - 40 years		27,570			28,167
Furniture, fixtures & equipment	3 - 7 years		28,669			28,250
Leasehold improvements	2 - 25 years		3,825			3,869
			63,265			63,612
Accumulated depreciation and amortization			(38,004	)		(35,956	)
Balance at end of year		$	25,261		$	27,656

- Definition

Tabular disclosure of the useful life and salvage value of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale. Examples include land, buildings, machinery and equipment, and other types of furniture and equipment including, but not limited to, office equipment, furniture and fixtures, and computer equipment and software.

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