COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)

12 Months Ended

Dec. 31, 2015

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)	2015		2014
Commitments to extend credit	$	811,442	$	733,827
Standby letters of credit		19,053		23,916
Total	$	830,495	$	757,743