COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)

9 Months Ended

Sep. 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)	September 30,  2013	December 31, 2012
Commitments to extend credit	$758,837	$750,178
Standby letters of credit	24,090	24,168
Total	$782,927	$774,346