COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)

12 Months Ended

Dec. 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 at December 31:

(000’s omitted)	2021		2020
Commitments to extend credit	$	1,443,879	$	1,313,568
Standby letters of credit		42,684		39,213
Total	$	1,486,563	$	1,352,781