COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)

12 Months Ended

Dec. 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 at December 31:

(000’s omitted)	2019		2018
Commitments to extend credit	$	1,143,780	$	1,134,576
Standby letters of credit		37,872		33,169
Total	$	1,181,652	$	1,167,745