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PREMISES AND EQUIPMENT (Tables)
 12 Months Ended
Dec. 31, 2019
PREMISES AND EQUIPMENT [Abstract]  
Premises and Equipment Premises and equipment consist of the following at December 31:

(000’s omitted)
  
2019
    
2018
  
Land and land improvements
  
$
26,301
    
$
24,340
  
Bank premises
    
141,905
      
133,259
  
Equipment and construction in progress
    
89,819
      
89,950
  
Operating lease right-of-use assets
    
39,895
      
0
  
Premises and equipment, gross
    
297,920
      
247,549
  
Accumulated depreciation
    
(133,282
)
    
(127,561
)
Premises and equipment, net
  
$
164,638
    
$
119,988