Community Bank, N.A. , is a commercial bank serving customers in Upstate New York, Northeastern Pennsylvania, Vermont and Massachusetts. It is the wholly owned national banking subsidiary of Community Bank System, Inc. . Community Bank is headquartered in DeWitt, New York, a suburb of Syracuse. Community Bank, N.A. is the wholly owned national banking subsidiary of Community Bank System, Inc. , whose predecessor bank was the St. Lawrence National Bank, chartered in 1866. In 1983, CBSI was incorporated in Delaware and became a registered bank holding company. CBSI maintains its headquarters in DeWitt, New York and is a full-service financial institution, offering complete consumer, business, and financial services.