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COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)

9 Months Ended

Sep. 30, 2020

COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS

Off Balance Sheet Financial Instruments Contract Amounts

The contract amounts of commitments and contingencies are as follows:

​

​	​	​	​	​	​	​
​		September 30,			December 31,
(000's omitted)	​	2020		​	2019
Commitments to extend credit	​	$	1,201,285	​	$	1,143,780
Standby letters of credit	​		43,283	​		37,872
Total	​	$	1,244,568	​	$	1,181,652

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