DERIVATIVE INSTRUMENTS (Tables)

6 Months Ended

Jun. 30, 2013

Derivative Instruments Fair Value and Balance Sheet Location

The following table presents the Company’s derivative financial instruments, their estimated fair values, and balance sheet location as of June 30, 2013:

	Asset Derivatives
(000's omitted)	Location	Notional	Fair Value
Derivatives not designated as hedging instruments:
Forward sales commitments	Other assets	$7,874	$141
Commitments to originate real estate loans for sale	Other assets	$10,481	(19)
Total derivatives			$122

Derivative Instruments and Location of Net Gain or Loss In Statement of Income

The following table presents the Company’s derivative financial instruments and the location of the net gain or loss recognized in the statement of income for the three and six months ended June 30, 2013:

		Gain (Loss) recognized in the Statement of Income
(000's omitted)	Location	Three Months Ending June 30, 2013	Six Months Ending June 30, 2013
Forward sales commitments	Mortgage banking and other services	$141	$141
Commitments to originate real estate loans for sale	Mortgage banking and other services	(19)	(19)
Total		$122	$122