COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)

9 Months Ended

Sep. 30, 2023

COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS

Schedule of the contract amounts of commitments and contingencies

	September 30,		December 31,
(000’s omitted)	2023		2022
Commitments to extend credit	$	1,532,806	$	1,486,791
Standby letters of credit		58,552		57,347
Total	$	1,591,358	$	1,544,138