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COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)
 6 Months Ended
Jun. 30, 2020
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)
  
June 30,
2020
    
December 31,
2019
  
Commitments to extend credit
  
$
1,142,557
    
$
1,143,780
  
Standby letters of credit
    
39,466
      
37,872
  
Total
  
$
1,182,023
    
$
1,181,652