COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)

9 Months Ended

Sep. 30, 2022

COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS

Schedule of the contract amounts of commitments and contingencies

	September 30,		December 31,
(000’s omitted)	2022		2021
Commitments to extend credit	$	1,561,281	$	1,443,879
Standby letters of credit		51,635		42,684
Total	$	1,612,916	$	1,486,563