BANK PREMISES AND EQUIPMENT (Tables)

12 Months Ended

Dec. 31, 2018

BANK PREMISES AND EQUIPMENT

Schedule of Bank Premises and Equipment

(In 000’s)	Estimated
	useful life	2018			2017
Leasehold improvements	10-15 years	$	834		$	832
Furniture and equipment	3- 7 years		1,457			1,439
			2,291			2,271
Less accumulated depreciation			(2,128	)		(1,968	)
		$	163		$	303

Schedule of Future Minimum Lease Payments under Operating lleases

(In 000’s)
Year ending December 31,	Operating leases
2019	$	515
2020		438
2021		447
2022		455
2023		316
Thereafter		-
Total minimum lease payments	$	2,171