COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)

6 Months Ended

Jun. 30, 2014

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,  2014	December 31, 2013
Commitments to extend credit	$706,390	$704,904
Standby letters of credit	24,253	24,449
Total	$730,643	$729,353