COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)

9 Months Ended

Sep. 30, 2012

COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS [Abstract]

Off-Balance-Sheet Financial instruments contract amount

The contract amount of commitments and contingencies are as follows:

(000's omitted)	September 30, 2012		December 31, 2011
Commitments to extend credit	$	680,780	$	572,393
Standby letters of credit		24,552		25,279
Total	$	705,332	$	597,672