COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)

6 Months Ended

Jun. 30, 2018

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)	June 30, 2018		December 31, 2017
Commitments to extend credit	$	1,072,858	$	1,080,004
Standby letters of credit		33,636		23,782
Total	$	1,106,494	$	1,103,786