PREMISES AND EQUIPMENT

12 Months Ended

Dec. 31, 2015

PREMISES AND EQUIPMENT [Abstract]

PREMISES AND EQUIPMENT

NOTE E:  PREMISES AND EQUIPMENT

Premises and equipment consist of the following at December 31:

(000's omitted)	2015			2014
Land and land improvements	$	22,191		$	17,722
Bank premises		112,011			96,754
Equipment and construction in progress		80,684			78,679
Premises and equipment, gross		214,886			193,155
Accumulated depreciation		(100,452	)		(99,522	)
Premises and equipment, net	$	114,434		$	93,633