COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)

3 Months Ended

Mar. 31, 2023

COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS

Schedule of the contract amounts of commitments and contingencies

	March 31,		December 31,
(000’s omitted)	2023		2022
Commitments to extend credit	$	1,459,684	$	1,486,791
Standby letters of credit		56,805		57,347
Total	$	1,516,489	$	1,544,138