DEPOSITS (Tables)

12 Months Ended

Dec. 31, 2015

DEPOSITS [Abstract]

Components of Deposits

Deposits consist of the following at December 31:

(000's omitted)	2015		2014
Noninterest checking	$	1,499,616	$	1,324,661
Interest checking		1,575,379		1,348,995
Savings		1,255,027		1,032,617
Money market		1,738,904		1,455,991
Time		804,548		773,000
Total deposits	$	6,873,474	$	5,935,264

Maturities of Time Deposits

The approximate maturities of time deposits at December 31, 2015 are as follows:

(000's omitted)	All Accounts		Accounts $250,000 or Greater
2016	$	568,857	$	47,329
2017		115,652		3,907
2018		53,476		864
2019		33,359		1,643
2020		32,349		1,687
Thereafter		855		0
Total	$	804,548	$	55,430