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COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)
 6 Months Ended
Jun. 30, 2016
COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS [Abstract]  
Off-Balance-Sheet Financial Instruments Contract Amounts
The contract amounts of commitments and contingencies are as follows:

(000's omitted)
 
June 30,
2016
  
December 31,
2015
 
Commitments to extend credit
 
$
725,561
  
$
811,442
 
Standby letters of credit
  
19,713
   
19,053
 
Total
 
$
745,274
  
$
830,495