DEPOSITS (Tables)

12 Months Ended

Dec. 31, 2016

DEPOSITS [Abstract]

Components of Deposits

Deposits consist of the following at December 31:

(000's omitted)	2016		2015
Noninterest checking	$	1,646,039	$	1,499,616
Interest checking		1,644,029		1,575,379
Savings		1,303,851		1,255,027
Money market		1,778,907		1,738,904
Time		703,128		804,548
Total deposits	$	7,075,954	$	6,873,474

Maturities of Time Deposits

The approximate maturities of time deposits at December 31, 2016 are as follows:

(000's omitted)	All Accounts		Accounts $250,000 or Greater
2017	$	492,000	$	42,142
2018		103,698		1,713
2019		48,096		2,337
2020		32,774		2,717
2021		26,208		2,315
Thereafter		352		0
Total	$	703,128	$	51,224