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COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)
 9 Months Ended
Sep. 30, 2017
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)
 
September 30,
2017
  
December 31,
2016
 
Commitments to extend credit
 
$
1,038,125
  
$
773,442
 
Standby letters of credit
  
24,058
   
22,656
 
Total
 
$
1,062,183
  
$
796,098