If you as a consumer or your small business are experiencing financial difficulties related to the Coronavirus, please contact us to speak with a loan officer or bank representative and we will work with you to devise a solution tailored to meet your present needs.  Specific economic hardship due to COVID-19 must be documented to receive a loan deferment.

(Please be advised that all loan requests are subject to underwriting)


We are also working with the U.S. Small Business Administration (SBA) in making our small business customers aware of the SBA Disaster Loan Program which is now available in New York State and can provide loans of up to $2,000,000.00 for small businesses demonstrating economic injury. 

For more information, please visit

Loan Deferrals

Below you will find forms for Loan Deferrals.  Please click on the appropriate form to complete and submit online.  Feel free contact us with any questions or concerns you may have.