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COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables) | 3 Months Ended
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Mar. 31, 2020
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, 2020 |  |  | December 31, 2019 |
Commitments to extend credit |  | $ | 1,033,133 |  |  | $ | 1,143,780 |
Standby letters of credit |  |  | 39,284 |  |  |  | 37,872 |
Total |  | $ | 1,072,417 |  |  | $ | 1,181,652 |

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