COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)

3 Months Ended

Mar. 31, 2013

COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS [Abstract]

Off-Balance-Sheet Financial instruments contract amount

The contract amount of commitments and contingencies are as follows:

(000's omitted)	March 31,  2013		December 31, 2012
Commitments to extend credit	$	773,240	$	750,178
Standby letters of credit		24,343		24,168
Total	$	797,583	$	774,346