COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)

3 Months Ended

Mar. 31, 2019

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)	March 31, 2019		December 31, 2018
Commitments to extend credit	$	1,047,047	$	1,134,576
Standby letters of credit		36,485		33,169
Total	$	1,083,532	$	1,167,745