ITEM 8.01 OTHER ITEMS



On October 21, 2020 Chemung Financial Corporation ("the Corporation") announced that Chemung Canal Trust Company ("the Bank"), the wholly-owned subsidiary of the Corporation, intends to expand its lending operations to serve the City of Buffalo, as well as Erie and Niagara Counties, in Western New York, with the intention of opening a Loan Production Office (LPO) in the near future.

The press release is furnished as Exhibits 99.1 to this report.

ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS






   (d)    Exhibits

          Exhibit No.

            99.1     Press Release of Chemung Canal Trust Company dated October 21,
                   2020.

            104    Cover Page Interactive Data File (embedded within the Inline XBRL
                   document)

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