REGULATORY MATTERS (Tables)

12 Months Ended

Dec. 31, 2012

REGULATORY MATTERS [Abstract]

Capital ratios and amounts

The capital ratios and amounts of the Company and the Bank as of December 31 are presented below:

	2012						2011
(000's omitted)	Company			Bank			Company			Bank
Tier 1 capital to average assets
Amount	$	588,220		$	530,753		$	508,250		$	459,680
Ratio		8.40	%		7.60	%		8.38	%		7.60	%
Minimum required amount	$	280,151		$	279,524		$	242,559		$	241,995

Tier 1 capital to risk-weighted assets
Amount	$	588,220		$	530,753		$	508,250		$	502,193
Ratio		15.09	%		13.66	%		14.31	%		12.99	%
Minimum required amount	$	155,904		$	155,392		$	142,074		$	141,529
Total core capital to risk-weighted assets
Amount	$	631,409		$	573,942		$	550,763		$	502,193
Ratio		16.20	%		14.77	%		15.51	%		14.19	%
Minimum required amount	$	311,808		$	310,784		$	284,148		$	283,058