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COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)
 12 Months Ended
Dec. 31, 2017
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)
 
2017
  
2016
 
Commitments to extend credit
 
$
1,080,004
  
$
773,442
 
Standby letters of credit
  
23,782
   
22,656
 
Total
 
$
1,103,786
  
$
796,098