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COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)
 9 Months Ended
Sep. 30, 2018
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)
 
September 30,
2018
  
December 31,
2017
 
Commitments to extend credit
 
$
1,097,509
  
$
1,080,004
 
Standby letters of credit
  
32,160
   
23,782
 
Total
 
$
1,129,669
  
$
1,103,786