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COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)
9 Months Ended
Sep. 30, 2015
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)
 
September 30,
2015
  
December 31,
2014
 
Commitments to extend credit
 
$
730,652
  
$
733,827
 
Standby letters of credit
  
18,280
   
23,916
 
Total
 
$
748,932
  
$
757,743