v2.4.0.8

DERIVATIVE INSTRUMENTS (Tables)

9 Months Ended

Sep. 30, 2013

DERIVATIVE INSTRUMENTS [Abstract]

Derivative Instruments Fair Value and Balance Sheet Location

The following table presents the Company’s derivative financial instruments, their estimated fair values, and balance sheet location as of September 30, 2013:

(000's omitted)		Location	Notional	Fair Value
Derivatives not designated as hedging instruments:
Forward sales commitments		Other liabilities	$6,262	($129)
Commitments to originate real estate loans for sale		Other assets	6,835	268
Total derivatives				$139

Derivative Instruments and Location of Net Gain or Loss In Statement of Income

The following table presents the Company’s derivative financial instruments and the location of the net gain or loss recognized in the statement of income for the three and nine months ended September 30, 2013:

			Gain (Loss) recognized in the Statement of Income
(000's omitted)	Location		Three Months Ending September 30, 2013	Nine Months Ending  September 30, 2013
Forward sales commitments	Mortgage banking and other services		($110)	($129)
Commitments to originate real estate   loans for sale	Mortgage banking and other services		249	268
Total			$139	$139

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- Definition

Tabular disclosure of the location and amount of derivative instruments and nonderivative instruments designated as hedging instruments reported before netting adjustments, and the amount of gain (loss) on derivative instruments and nonderivative instruments designated and qualified as hedging instruments.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 815

-SubTopic 10

-Section 50

-Paragraph 4A

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=7476318&loc=SL5618551-113959



Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 815

-SubTopic 10

-Section 50

-Paragraph 4C

-URI http://asc.fasb.org/extlink&oid=7476318&loc=SL5624171-113959

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- Definition

Tabular disclosure of the location and fair value amounts of derivative instruments (and nonderivative instruments that are designated and qualify as hedging instruments) reported in the statement of financial position.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 815

-SubTopic 10

-Section 50

-Paragraph 4B

-URI http://asc.fasb.org/extlink&oid=7476318&loc=SL5624163-113959

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