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COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)
 9 Months Ended
Sep. 30, 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)
  
September 30,
2019
    
December 31,
2018
  
Commitments to extend credit
  
$
1,065,127
    
$
1,134,576
  
Standby letters of credit
    
37,968
      
33,169
  
Total
  
$
1,103,095
    
$
1,167,745