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COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)
 12 Months Ended
Dec. 31, 2016
COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS [Abstract]  
Off Balance Sheet Financial Instruments Contract Amounts
The contract amounts of commitments and contingencies are as follows at December 31:

 (000's omitted)
 
2016
  
2015
 
Commitments to extend credit
 
$
773,442
  
$
811,442
 
Standby letters of credit
  
22,656
   
19,053
 
Total
 
$
796,098
  
$
830,495