COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)

6 Months Ended

Jun. 30, 2015

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, 2015		December 31, 2014
Commitments to extend credit	$	729,174	$	733,827
Standby letters of credit		18,062		23,916
Total	$	747,236	$	757,743