COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)

12 Months Ended

Dec. 31, 2012

COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS [Abstract]

Off-Balance-Sheet Financial instruments contract amount

The contract amount of commitments and contingencies is as follows at December 31:

(000's omitted)	2012		2011
Commitments to extend credit	$	750,178	$	572,393
Standby letters of credit		24,168		25,279
Total	$	774,346	$	597,672