COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)

12 Months Ended

Dec. 31, 2011

COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS [Abstract]

Off-Balance-Sheet Financial instruments contract amount

The fair value of the standby letters of credit is immaterial for disclosure.   The contract amount of commitment and contingencies is as follows:

(000's omitted)	2011	2010
Commitments to extend credit	$572,393	$445,625
Standby letters of credit	25,279	21,456
Total	$597,672	$467,081