DERIVATIVE INSTRUMENTS (Tables)

12 Months Ended

Dec. 31, 2011

Derivative Financial Instruments and Location of Net Gain or Loss In Statement of Income

The following table presents the Company's derivative financial instruments and the location of the net gain or loss recognized in the statement of income for the year ended December 31, 2011:

		Loss recognized in the
		Statement of Income for the Year
(000's omitted)	Location	Ending December 31, 2011
Interest rate swap agreement	Interest on subordinated debt held by
	unconsolidated subsidiary trusts	($3,246)
Interest rate lock commitments	Mortgage banking and other services	(58)
Forward sales commitments	Mortgage banking and other services	(322)
Total		($3,626)

- Definition

Tabular disclosure of the location and amount of gains and losses reported in the statement of financial performance, or when applicable, the statement of financial position. For example, (a) gains and losses recognized in the income statement on derivative instruments designated and qualifying as hedging instruments in fair value hedges and related hedged items designated and qualifying in fair value hedges and (b) gains and losses initially recognized in other comprehensive income on derivative instruments designated and qualifying as cash flow hedges.

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