DEPOSITS (Tables)

12 Months Ended

Dec. 31, 2018

DEPOSITS [Abstract]

Deposits

Deposits recorded in the consolidated statements of condition consist of the following at December 31:

(000’s omitted)	2018		2017
Noninterest checking	$	2,312,816	$	2,293,057
Interest checking		1,920,545		1,830,914
Savings		1,448,208		1,421,512
Money market		1,901,262		2,124,633
Time		739,540		774,304
Total deposits	$	8,322,371	$	8,444,420

Interest on Deposits

Interest on deposits recorded in the consolidated statements of income consists of the following at December 31:

(000’s omitted)	2018		2017		2016
Interest on interest checking	$	1,796	$	1,032	$	504
Interest on savings		858		841		863
Interest on money market		3,638		2,981		2,754
Interest on time		4,366		3,177		3,204
Total interest on deposits	$	10,658	$	8,031	$	7,325

Maturities of Time Deposits

The approximate maturities of time deposits at December 31, 2018 are as follows:

(000’s omitted)	All Accounts		Accounts $250,000 or Greater
2019	$	448,708	$	40,960
2020		94,585		4,886
2021		123,021		20,100
2022		31,786		587
2023		41,223		3,087
Thereafter		217		0
Total	$	739,540	$	69,620