COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)

9 Months Ended

Sep. 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)	September 30,  2014	December 31, 2013
Commitments to extend credit	$674,401	$704,904
Standby letters of credit	23,892	24,449
Total	$698,293	$729,353