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chemung canal trust company is an independent community bank, which has served the financial needs of businesses and individuals for over 180 years. we trace our roots to the opening of our namesake, the chemung canal, in 1833. today, we operate 34 branch offices in 11 new york state counties and one pennsylvania county. most important, we remain steadfast to our community banking philosophy and business model, which means we build long-term relationships with our clients and play a vital role in the communities we serve. deposits gathered locally are channeled back into our local communities in the form of loans to businesses, individuals, organizations and other enterprises. decisions are made locally, not in some far-off distant city.