COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)

12 Months Ended

Dec. 31, 2014

COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS [Abstract]

Contract Amount of Commitments and Contingencies

The contract amounts of commitments and contingencies are as follows at December 31:

(000's omitted)	2014		2013
Commitments to extend credit	$	733,827	$	704,904
Standby letters of credit		23,916		24,449
Total	$	757,743	$	729,353