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COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables) | 3 Months Ended
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Mar. 31, 2019
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, 2019 |  |  | December 31, 2018 |
Commitments to extend credit |  | $ | 1,047,047 |  |  | $ | 1,134,576 |
Standby letters of credit |  |  | 36,485 |  |  |  | 33,169 |
Total |  | $ | 1,083,532 |  |  | $ | 1,167,745 |

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