COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)

6 Months Ended

Jun. 30, 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)	June 30,  2013	December 31, 2012
Commitments to extend credit	$638,774	$750,178
Standby letters of credit	23,314	24,168
Total	$662,088	$774,346