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COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)
3 Months Ended
Mar. 31, 2018
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)
 
March 31,
2018
  
December 31,
2017
 
Commitments to extend credit
 
$
1,095,696
  
$
1,080,004
 
Standby letters of credit
  
33,574
   
23,782
 
Total
 
$
1,129,270
  
$
1,103,786