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COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)

12 Months Ended

Dec. 31, 2018

The contract amounts of commitments and contingencies are as follows at December 31:

(000’s omitted)	2018		2017
Commitments to extend credit	$	1,134,576	$	1,080,004
Standby letters of credit		33,169		23,782
Total	$	1,167,745	$	1,103,786