COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)

3 Months Ended

Mar. 31, 2021

COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS

Schedule of The contract amounts of commitments and contingencies

The contract amounts of commitments and contingencies are as follows:

	March 31,		December 31,
(000’s omitted)	2021		2020
Commitments to extend credit	$	1,277,853	$	1,313,568
Standby letters of credit		37,638		39,213
Total	$	1,315,491	$	1,352,781