BENEFIT PLANS (Tables)

12 Months Ended

Dec. 31, 2011

Defined Benefit Pension Plans and Defined Benefit Postretirement Plans Disclosure [Abstract]

Funded status of the plans reconciled with amounts reported in consolidated statement of condition.

Using a measurement date of December 31, the following table shows the funded status of the Company's plans reconciled with amounts reported in the Company's consolidated statements of condition:

	Pension Benefits		Post-retirement Benefits
(000's omitted)	2011	2010	2011	2010
Change in benefit obligation:
Benefit obligation at the beginning of year	$81,321	$72,350	$3,594	$4,449
Service cost	2,959	2,780	0	0
Interest cost	4,497	3,909	153	195
Participant contributions	0	0	706	529
Plan acquisition/amendment	17,511	882	0	0
Deferred actuarial loss (gain)	11,713	4,971	46	(706)
Benefits paid	(5,144)	(3,571)	(1,147)	(873)
Benefit obligation at end of year	112,857	81,321	3,352	3,594
Change in plan assets:
Fair value of plan assets at beginning of year	96,439	74,628	0	0
Actual return of plan assets	1,479	9,758	0	0
Participant contributions	0	0	706	529
Employer contributions	11,623	15,624	441	344
Plan acquisition	21,912	0	0	0
Benefits paid	(5,144)	(3,571)	(1,147)	(873)
Fair value of plan assets at end of year	126,309	96,439	0	0
Funded status at year end	$13,452	$15,118	($3,352)	($3,594)

Amounts recognized in the consolidated balance sheet were:
Other assets	$22,929	$23,777	$0	$0
Other liabilities	(9,477)	($8,659)	($3,352)	($3,594)

Amounts recognized in accumulated other
comprehensive income (“AOCI”) were:
Net loss	$44,119	$28,152	$371	$333
Net prior service credit	(674)	(824)	(3,339)	(4,397)
Pre-tax AOCI	43,445	27,328	(2,968)	(4,064)
Taxes	(16,738)	(10,529)	1,135	1,557
AOCI at year end	$26,707	$16,799	($1,833)	($2,507)

After tax amounts recognized in accumulated other comprehensive income (loss)

Amounts recognized in accumulated other comprehensive income, net of tax, for the year ended December 31, are as follows:

	Pension Benefits		Post-retirement Benefits
(000's omitted)	2011	2010	2011	2010
Prior service cost	$92	$96	$650	$651
Net (gain) loss	9,816	(307)	24	(445)
Total	$9,908	($211)	$674	$206

Schedule of Amounts in Accumulated Other Comprehensive Income (Loss) to be Recognized over Next Fiscal Year

The estimated costs, net of tax, that will be amortized from accumulated other comprehensive (income) loss into net periodic (income) cost over the next fiscal year are as follows:

	Pension	Post-retirement
(000's omitted)	Benefits	Benefits
Prior service credit	($147)	($823)
Net loss	3,681	12
Total	$3,534	($811)

Weighted-average assumptions used to determine benefit obligations

The weighted-average assumptions used to determine the benefit obligations as of December 31 are as follows:

	Pension Benefits		Post-retirement Benefits
	2011	2010	2011	2010
Discount rate	4.10%	5.00%	3.90%	4.50%
Expected return on plan assets	7.50%	7.50%	N/A	N/A
Rate of compensation increase	4.00%	4.00%	N/A	N/A

Net periodic benefit cost

The net periodic benefit cost as of December 31 is as follows:

	Pension Benefits			Post-retirement Benefits
(000's omitted)	2011	2010	2009	2011	2010	2009
Service cost	$2,959	$2,780	$3,496	$0	$0	$575
Interest cost	4,497	3,909	3,676	153	195	494
Expected return on plan assets	(8,097)	(6,470)	(4,686)	0	0	0
Amortization of unrecognized net loss	2,362	2,421	2,761	8	17	0
Amortization of prior service cost	(149)	(189)	(123)	(1,057)	(1,057)	54
Amortization of transition obligation	0	0	0	0	0	41
Net periodic benefit cost	$1,572	$2,451	$5,124	($896)	($845)	$1,164

Weighted Average Assumptions Used To Determine Net Periodic Pension Cost

The weighted-average assumptions used to determine the net periodic pension cost for the years ended December 31 are as follows:

	Pension Benefits			Post-retirement Benefits
	2011	2010	2009	2011	2010	2009
Discount rate	4.40%	5.60%	6.10%	4.50%	5.15%	6.10%
Expected return on plan assets	7.50%	7.50%	8.00%	N/A	N/A	N/A
Rate of compensation increase	4.00%	4.00%	4.00%	N/A	N/A	N/A

Amount of expected benefit payments

The amount of benefit payments that are expected to be paid over the next ten years are as follows:

	Pension	Post-retirement
(000's omitted)	Benefits	Benefits
2012	6,259	390
2013	6,850	360
2014	7,224	284
2015	6,926	268
2016	7,555	229
2017-2021	42,873	1,009

Fair value of defined benefit plan assets

The fair values of the Company's defined benefit pension plan assets at December 31, 2011 by asset category are as follows:

Asset category (000's omitted)	Quoted Prices in Active Markets for Identical Assets Level 1	Significant Observable Inputs Level 2	Significant Unobservable Inputs Level 3	Total

Cash	$31,389	$0	$0	31,389
Equity securities:
U.S. large-cap	26,468	0	0	26,468
U.S mid/small cap	6,004	0	0	6,004
CBSI stock	10,512	0	0	10,512
International	10,923	0	0	10,923
Global (a)	2,936	0	0	2,936
Commodities (b)	1,837	0	0	1,837
	58,680	0	0	58,680

Fixed income securities:
Government securities	8,600	8,000	0	16,600
Investment grade bonds	4,965	0	0	4,965
High yield(c)	9,401	496	0	9,897
	22,966	8,496	0	31,462

Other types of investments:
Alternative investments (d)	4,684	94	0	4,778

Total (e)	$117,719	$8,590	$0	$126,309

The fair values of the Company's defined benefit pension plan assets at December 31, 2010 by asset category are as follows:

Asset category (000's omitted)	Quoted Prices in Active Markets for Identical Assets Level 1	Significant Observable Inputs Level 2	Significant Unobservable Inputs Level 3	Total

Cash	$10,851	$0	$0	$10,851
Equity securities:
U.S. large-cap	30,547	0	0	30,547
U.S mid/small cap	6,130	0	0	6,130
CBSI stock	8,728	0	0	8,728
International	12,866	0	0	12,866
Global (a)	3,153	0	0	3,153
Commodities (b)	694	0	0	694
	62,118	0	0	62,118

Fixed income securities:
Government securities	4,900	7,212	0	12,112
Investment grade bonds	5,367	0	0	5,367
High yield(c)	5,509	0	0	5,509
	15,776	7,212	0	22,988

Other types of investments:
Alternative investments (d)	0	482	0	482

Total (e)	$88,745	$7,694	$0	$96,439

(a) This category includes securities that invest approximately 50% in

U.S. equity securities and 50% international equity securities.

(b) This category includes investments in exchange traded funds reflecting

the performance of an underlying commodity index.

of high yield corporate bonds.

(d) This category is comprised of non-traditional investment classes

including private equity funds and alternative exchange funds.

(e) Excludes dividends and interest receivable totaling $306,000 and

$317,000 at December 31, 2011 and 2010, respectively