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COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)

3 Months Ended

Mar. 31, 2015

COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS [Abstract]

Off-Balance-Sheet Financial Instruments Contract Amount

The contract amount of commitments and contingencies are as follows:

(000's omitted)		March 31, 2015				December 31, 2014
Commitments to extend credit		$	786,327			$	733,827
Standby letters of credit			22,788				23,916
Total		$	809,115			$	757,743

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Tabular disclosure of the nature and terms of the financial instruments with off-balance sheet risk.

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