COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)

3 Months Ended

Mar. 31, 2024

COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS

Schedule of the contract amounts of commitments and contingencies

	March 31,		December 31,
(000’s omitted)	2024		2023
Commitments to extend credit	$	1,550,998	$	1,494,549
Standby letters of credit		64,901		61,352
Total	$	1,615,899	$	1,555,901