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COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)
3 Months Ended
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