PREMISES AND EQUIPMENT (Tables)

12 Months Ended

Dec. 31, 2020

PREMISES AND EQUIPMENT

Schedule of premises and equipment

Premises and equipment consist of the following at December 31:

(000’s omitted)	2020		2019
Land and land improvements	$	29,070	$	26,301
Bank premises		149,217		141,905
Equipment and construction in progress		99,239		89,819
Operating lease right-of-use assets		34,908		39,895
Premises and equipment, gross		312,434		297,920
Accumulated depreciation		(146,779)		(133,282)
Premises and equipment, net	$	165,655	$	164,638