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COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)
 3 Months Ended
Mar. 31, 2016
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,
2016
  
December 31,
2015
 
Commitments to extend credit
 
$
816,468
  
$
811,442
 
Standby letters of credit
  
19,370
   
19,053
 
Total
 
$
835,838
  
$
830,495