Community Bank System (CBU) 10-Q 12 May 14 2014 Q1 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information	3 Months Ended
	Mar. 31, 2014	Apr. 30, 2014
Document and Entity Information [Abstract]	'	'
Entity Registrant Name	'COMMUNITY BANK SYSTEM, INC.	'
Entity Central Index Key	'0000723188	'
Current Fiscal Year End Date	'--12-31	'
Entity Well-known Seasoned Issuer	'Yes	'
Entity Voluntary Filers	'No	'
Entity Current Reporting Status	'Yes	'
Entity Filer Category	'Large Accelerated Filer	'
Entity Common Stock, Shares Outstanding	'	40,680,588
Document Fiscal Year Focus	'2014	'
Document Fiscal Period Focus	'Q1	'
Document Type	'10-Q	'
Amendment Flag	'false	'
Document Period End Date	31-Mar-14	'

CONSOLIDATED_STATEMENTS_OF_CON

CONSOLIDATED STATEMENTS OF CONDITION (Unaudited) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Assets:	'	'
Cash and cash equivalents	$153,417	$149,647
Available-for-sale investment securities (cost of $2,460,730 and $2,217,165, respectively)	2,470,286	2,186,163
Other securities, at cost	35,935	32,562
Loans held for sale, at fair value	802	728
Loans	4,096,358	4,109,083
Allowance for loan losses	-44,197	-44,319
Net loans	4,052,161	4,064,764
Goodwill, net	375,174	374,991
Core deposit intangibles, net	12,548	13,460
Other intangibles, net	2,397	2,048
Intangible assets, net	390,119	390,499
Premises and equipment, net	91,806	93,636
Accrued interest and fee receivable	27,299	25,475
Other assets	175,403	152,390
Total assets	7,397,228	7,095,864
Liabilities:	'	'
Noninterest-bearing deposits	1,225,977	1,203,346
Interest-bearing deposits	4,812,911	4,692,698
Total deposits	6,038,888	5,896,044
Borrowings	217,110	141,913
Subordinated debt held by unconsolidated subsidiary trusts	102,103	102,097
Accrued interest and other liabilities	120,991	79,998
Total liabilities	6,479,092	6,220,052
Commitments and contingencies (See Note J)	'	'
Shareholders' equity:	'	'
Preferred stock $1.00 par value, 500,000 shares authorized, 0 shares issued	0	0
Common stock, $1.00 par value, 75,000,000 shares authorized; 41,440,546 and 41,213,491 shares issued, respectively	41,441	41,213
Additional paid-in capital	402,326	396,528
Retained earnings	492,550	481,732
Accumulated other comprehensive loss	-1,066	-26,546
Treasury stock, at cost (782,173 and 782,173 shares, respectively)	-17,115	-17,115
Total shareholders' equity	918,136	875,812
Total liabilities and shareholders' equity	$7,397,228	$7,095,864

CONSOLIDATED_STATEMENTS_OF_CON1

CONSOLIDATED STATEMENTS OF CONDITION (Unaudited) (Parenthetical) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, except Share data, unless otherwise specified
Assets:	'	'
Available-for-sale investment securities, cost	$2,460,730	$2,217,165
Shareholders' equity:	'	'
Preferred stock, par value (in dollars per share)	$1	$1
Preferred stock, authorized (in shares)	500,000	500,000
Preferred stock, issued (in shares)	0	0
Common stock, par value (in dollars per share)	$1	$1
Common stock, authorized (in shares)	75,000,000	75,000,000
Common stock, issued (in shares)	41,440,546	41,213,491
Treasury stock, shares at cost (in shares)	782,173	782,173

CONSOLIDATED_STATEMENTS_OF_INC

CONSOLIDATED STATEMENTS OF INCOME (Unaudited) (USD $)	3 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Interest income:	'	'
Interest and fees on loans	$45,693	$47,118
Interest and dividends on taxable investments	12,470	15,216
Interest and dividends on nontaxable investments	5,076	5,591
Total interest income	63,239	67,925
Interest expense:	'	'
Interest on deposits	2,235	3,142
Interest on borrowings	284	5,730
Interest on subordinated debt held by unconsolidated subsidiary trusts	612	628
Total interest expense	3,131	9,500
Net interest income	60,108	58,425
Provision for loan losses	1,000	1,393
Net interest income after provision for loan losses	59,108	57,032
Noninterest income:	'	'
Deposit service fees	12,255	11,595
Other banking services	1,190	1,038
Employee Benefit Services	10,435	9,770
Wealth management services	4,474	3,698
Gain on sales of investment securities	0	47,791
Loss on debt extinguishments	0	-47,783
Total noninterest income	28,354	26,109
Noninterest expenses:	'	'
Salaries and employee benefits	30,740	30,483
Occupancy and equipment	7,691	7,065
Data processing and communications	6,803	6,736
Amortization of intangible assets	1,141	1,179
Legal and professional fees	1,947	1,940
Office supplies and postage	1,551	1,495
Business development and marketing	1,730	1,479
FDIC insurance premiums	1,019	1,055
Acquisition expenses	123	5
Other	3,176	3,115
Total noninterest expenses	55,921	54,552
Income before income taxes	31,541	28,589
Income taxes	9,368	8,348
Net income	$22,173	$20,241
Basic earnings per share (in dollars per share)	$0.55	$0.51
Diluted earnings per share (in dollars per share)	$0.54	$0.50
Cash dividends declared per share (in dollars per share)	$0.28	$0.27

CONSOLIDATED_STATEMENTS_OF_COM

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME/(LOSS) (Unaudited) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
Pension and other post retirement obligations:	'	'	'
Amortization of actuarial (losses)/gains included in net periodic pension cost, gross	($77)	$1,010	'
Tax effect	29	-392	'
Amortization of actuarial (losses)/gains included in net periodic pension cost, net	-48	618	'
Amortization of prior service cost included in net periodic pension cost, gross	-44	-30	'
Tax effect	17	12	'
Amortization of prior service cost included in net periodic pension cost, net	-27	-18	'
Other comprehensive (loss)/income related to pension and other post retirement obligations, net of taxes	-75	600	'
Unrealized gains on securities:	'	'	'
Net unrealized holding gains/(losses) arising during period, gross	40,558	-18,872	'
Tax effect	-15,003	7,098	'
Net unrealized holding gains/(losses) arising during period, net	25,555	-11,774	'
Reclassification adjustment for net gains included in net income, gross	0	-47,791	'
Tax effect	0	17,843	'
Reclassification adjustment for net loss included in net income, net	0	-29,948	'
Other comprehensive income/(loss) related to unrealized gains/(losses) on available-for-sale securities, net of taxes	25,555	-41,722	'
Other comprehensive income/(loss), net of tax	25,480	-41,122	'
Net income	22,173	20,241	'
Comprehensive income/(loss)	47,653	-20,881	'
Accumulated Other Comprehensive Income By Component:	'	'	'
Unrealized loss for pension and other postretirement obligations	-11,461	'	-11,339
Tax effect	4,241	'	4,194
Net unrealized loss for pension and other postretirement obligations	-7,220	'	-7,145
Unrealized gain/(loss) on available-for-sale securities	9,556	'	-31,002
Tax effect	-3,402	'	11,601
Net unrealized gain/(loss) on available-for-sale securities	6,154	'	-19,401
Accumulated other comprehensive loss	($1,066)	'	($26,546)

CONSOLIDATED_STATEMENT_OF_CHAN

CONSOLIDATED STATEMENT OF CHANGES IN SHAREHOLDERS' EQUITY (Unaudited) (USD $)	Common Stock [Member]	Additional Paid-In Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Treasury Stock [Member]	Total
In Thousands, except Share data, unless otherwise specified
Balance at Dec. 31, 2013	$41,213	$396,528	$481,732	($26,546)	($17,115)	$875,812
Balance (in shares) at Dec. 31, 2013	40,431,318	'	'	'	'	'
Net income	'	'	22,173	'	'	22,173
Other comprehensive income, net of tax	'	'	'	25,480	'	25,480
Cash dividends declared:	'	'	'	'	'	'
Common, $0.28 per share	'	'	-11,355	'	'	-11,355
Common stock issued under employee stock plan, including tax benefits of $1,245	228	4,616	'	'	'	4,844
Common stock issued under employee stock plan, including tax benefits of $1,245 (in shares)	227,055	'	'	'	'	'
Stock-based compensation	'	1,182	'	'	'	1,182
Balance at Mar. 31, 2014	$41,441	$402,326	$492,550	($1,066)	($17,115)	$918,136
Balance (in shares) at Mar. 31, 2014	40,658,373	'	'	'	'	'

CONSOLIDATED_STATEMENT_OF_CHAN1

CONSOLIDATED STATEMENT OF CHANGES IN SHAREHOLDERS' EQUITY (Unaudited) (Parenthetical) (USD $)	3 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Mar. 31, 2014
Cash dividends declared:	'
Dividends declared per common share (in dollars per share)	$0.28
Common stock issued under employee stock plan, tax benefits	$1,245

CONSOLIDATED_STATEMENTS_OF_CAS

CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Operating activities:	'	'
Net income	$22,173	$20,241
Adjustments to reconcile net income to net cash provided by operating activities:	'	'
Depreciation	3,286	3,007
Amortization of intangible assets	1,141	1,179
Net accretion of premiums and discounts on securities and borrowings	-1,868	-1,477
Stock-based compensation	1,182	1,220
Provision for loan losses	1,000	1,393
Amortization of mortgage servicing rights	117	142
Income from bank-owned life insurance policies	-289	-283
Gain on sales of investment securities	0	-47,791
Loss on debt extinguishments	0	47,783
Net (gain)/loss from sale of loans and other assets	-128	71
Net change in loans held for sale	-7	2
Change in other assets and liabilities	105	-3,964
Net cash provided by operating activities	26,712	21,523
Investing activities:	'	'
Proceeds from sales of available-for-sale investment securities	0	398,654
Proceeds from maturities of available-for-sale investment securities	19,231	52,802
Proceeds from maturities of held-to-maturity investment securities	0	8,315
Proceeds from maturities of other investment securities	11	0
Proceeds from sale of other investment securities	0	16,737
Purchases of available-for-sale investment securities	-260,923	-121,665
Purchases of held-to-maturity investment securities	0	-1,825
Purchases of other securities	-3,384	0
Net decrease in loans	11,603	2,607
Cash paid for acquisition, net of cash acquired of $0 and $0, respectively	-924	0
Purchases of premises and equipment, net	-1,395	-2,502
Net cash (used in)/provided by investing activities	-235,781	353,123
Financing activities:	'	'
Net increase in deposits	142,844	146,785
Net change in borrowings, net of payments of $3 and $414,422	75,197	-414,422
Issuance of common stock	4,844	4,912
Cash dividends paid	-11,291	-10,699
Tax benefits from share-based payment arrangements	1,245	518
Net cash provided by/(used in) financing activities	212,839	-272,906
Change in cash and cash equivalents	3,770	101,740
Cash and cash equivalents at beginning of period	149,647	228,558
Cash and cash equivalents at end of period	153,417	330,298
Supplemental disclosures of cash flow information:	'	'
Cash paid for interest	3,182	11,719
Cash paid for income taxes	164	4,168
Supplemental disclosures of noncash financing and investing activities:	'	'
Dividends declared and unpaid	11,355	10,735
Transfers from loans to other real estate	$763	$2,396

CONSOLIDATED_STATEMENTS_OF_CAS1

CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) (Parenthetical) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Investing activities:	'	'
Cash paid related to acquisition	$0	$0
Financing activities:	'	'
Payment made on borrowings	$3	$414,422

BASIS_OF_PRESENTATION

BASIS OF PRESENTATION	3 Months Ended
	Mar. 31, 2014
BASIS OF PRESENTATION [Abstract]	'
BASIS OF PRESENTATION	'
	NOTE A:  BASIS OF PRESENTATION
	The interim financial data as of and for the three months ended March 31, 2014 is unaudited; however, in the opinion of Community Bank System, Inc. (the “Company”), the interim data includes all adjustments, consisting only of normal recurring adjustments, necessary for a fair statement of the results for the interim periods in conformity with generally accepted accounting principles (“GAAP”).  The results of operations for the interim periods are not necessarily indicative of the results that may be expected for the full year or any other interim period.

ACQUISITIONS

ACQUISITIONS	3 Months Ended
	Mar. 31, 2014
ACQUISITIONS [Abstract]	'
ACQUISITIONS	'
	NOTE B:  ACQUISITIONS
	On January 1, 2014, the Company, through its subsidiary, Harbridge Consulting Group, LLC (“Harbridge”), completed its acquisition of a professional services practice from EBS-RMSCO, Inc., a subsidiary of The Lifetime Healthcare Companies (“EBS-RMSCO”).  This professional services practice, which provides actuarial valuation and consulting services to clients who sponsor pension and post-retirement medical and welfare plans, enhances the Company’s participation in the Western New York market.  The effects of the acquired assets and liabilities have been included in the consolidated financial statements since that date.
	On December 13, 2013, Community Bank, N.A. (the “Bank” or “CBNA”) completed its acquisition of eight branches in Northern Pennsylvania from Bank of America, N.A. (“B of A”), acquiring approximately $303 million of deposits and $1 million of loans.  The assumed deposits consist primarily of core deposits (checking, savings and money market accounts) and the purchased loans consist of in-market performing commercial loans. Under the terms of the purchase agreement, the Bank paid a blended deposit premium of 2.4%, or approximately $7.3 million.  The effects of the acquired assets and liabilities have been included in the consolidated financial statements since that date.
	The assets and liabilities assumed in the acquisitions were recorded at their estimated fair values based on management's best estimates using information available at the dates of the acquisition, and are subject to adjustment based on updated information not available at the time of acquisition.  The following table summarizes the estimated fair value of the assets acquired and liabilities assumed during 2013 and the first three months of 2014.
	(000s omitted)	2014	2013
	Consideration paid/(received):
	Cash/Total net consideration paid/(received)	$924	($291,980)
	Recognized amounts of identifiable assets acquired and
	liabilities assumed:
	Loans	0	1,106
	Premises and equipment	0	2,549
	Accrued interest receivable	0	5
	Other assets and liabilities, net	163	(18)
	Other intangibles	578	9
	Core deposit intangibles	0	2,537
	Deposits	0	-303,456
	Total identifiable assets/( liabilities), net	741	(297,268)
	Goodwill	$183	$5,288
	The fair value of checking, savings and money market deposit accounts acquired were assumed to approximate the carrying value as these accounts have no stated maturity and are payable on demand.  Certificate of deposit accounts were valued as the present value of the certificates’ expected contractual payments discounted at market rates for similar certificates, which approximated their book values.
	The core deposit intangible and other intangibles related to the B of A and EBS-RMSCO acquisitions are being amortized using an accelerated method over their estimated useful lives of eight years.  The goodwill, which is not amortized for book purposes, was assigned to the Banking segment for the B of A acquisition and the Employee Benefit Services segment for the EBS-RMSCO acquisition.  The goodwill arising from the B of A branch and the EBS-RMSCO acquisitions is deductible for tax purposes.
	Direct costs related to the acquisitions were expensed as incurred.  Merger and acquisition integration-related expenses amount to $0.1 million in the three months ended March 31, 2014 and have been separately stated in the Consolidated Statements of Income.
	Supplemental pro forma financial information related to the B of A and EBS-RMSCO acquisitions has not been provided as it would be impracticable to do so.  Historical financial information regarding the acquired branches is not accessible and, thus, the amounts would require estimates so significant as to render the disclosure irrelevant.

ACCOUNTING_POLICIES

ACCOUNTING POLICIES	3 Months Ended
	Mar. 31, 2014
ACCOUNTING POLICIES [Abstract]	'
ACCOUNTING POLICIES	'
	NOTE C:  ACCOUNTING POLICIES
	The accounting policies of the Company, as applied in the consolidated interim financial statements presented herein, are substantially the same as those followed on an annual basis as presented on pages 56 through 61 of the Annual Report on Form 10-K for the year ended December 31, 2013 filed with the Securities and Exchange Commission (“SEC”) on March 3, 2014.
	Critical Accounting Policies
	Acquired loans
	Acquired loans are initially recorded at their acquisition date fair values.  The carryover of allowance for loan losses is prohibited as any credit losses in the loans are included in the determination of the fair value of the loans at the acquisition date. Fair values for acquired loans are based on a discounted cash flow methodology that involves assumptions and judgments as to credit risk, prepayment risk, liquidity risk, default rates, loss severity, payment speeds, collateral values and discount rate.
	Acquired impaired loans
	Acquired loans that have evidence of deterioration in credit quality since origination and for which it is probable, at acquisition, that the Company will be unable to collect all contractually required payments are accounted for as impaired loans under ASC 310-30.  The excess of undiscounted cash flows expected at acquisition over the estimated fair value is referred to as the accretable discount and is recognized into interest income over the remaining life of the loans using the interest method. The difference between contractually required payments at acquisition and the undiscounted cash flows expected to be collected at acquisition is referred to as the non-accretable discount. The non-accretable discount represents estimated future credit losses and other contractually required payments that the Company does not expect to collect. Subsequent decreases in expected cash flows are recognized as impairments through a charge to the provision for credit losses resulting in an increase in the allowance for loan losses. Subsequent improvements in expected cash flows result in a recovery of previously recorded allowance for loan losses or a reversal of a corresponding amount of the non-accretable discount, which the Company then reclassifies as an accretable discount that is recognized into interest income over the remaining life of the loans using the interest method.
	Acquired loans that met the criteria for non-accrual of interest prior to acquisition may be considered performing upon acquisition, regardless of whether the customer is contractually delinquent, if the Company can reasonably estimate the timing and amount of the expected cash flows on such loans and if the Company expects to fully collect the new carrying value of the loans. As such, the Company may no longer consider the loan to be non-accrual or non-performing and may accrue interest on these loans, including the impact of any accretable discount.
	Acquired non-impaired loans
	Acquired loans that do not meet the requirements under ASC 310-30 are considered acquired non-impaired loans. The difference between the acquisition date fair value and the outstanding balance represents the fair value adjustment for a loan and includes both credit and interest rate considerations. Fair value adjustments may be discounts (or premiums) to a loan’s cost basis and are accreted (or amortized) to net interest income (or expense) over the loan’s remaining life in accordance with ASC 310- 20. Fair value adjustments for revolving loans are accreted (or amortized) using a straight line method. Term loans are accreted (or amortized) using the constant effective yield method.
	Subsequent to the purchase date, the methods used to estimate the allowance for loan losses for the acquired non-impaired loans is consistent with the policy described below.  However, the Company compares the net realizable value of the loans to the carrying value, for loans collectively evaluated for impairment.  The carrying value represents the net of the loan’s unpaid principal balance and the remaining purchase discount (or premium) that has yet to be accreted into interest income.  When the carrying value exceeds the net realizable value, an allowance for loan losses is recognized.
	Allowance for Loan Losses
	Management continually evaluates the credit quality of the Company’s loan portfolio, and performs a formal review of the adequacy of the allowance for loan losses on a quarterly basis.  The allowance reflects management’s best estimate of probable losses inherent in the loan portfolio.  Determination of the allowance is subjective in nature and requires significant estimates.   The Company’s allowance methodology consists of two broad components - general and specific loan loss allocations.
	The general loan loss allocation is composed of two calculations that are computed on five main loan segments:  business lending, consumer installment - direct, consumer installment - indirect, home equity and consumer mortgage.  The first calculation is quantitative and determines an allowance level based on the latest 36 months of historical net charge-off data for each loan class (commercial loans exclude balances with specific loan loss allocations).  The second calculation is qualitative and takes into consideration eight qualitative environmental factors:  levels and trends in delinquencies and impaired loans; levels of and trends in charge-offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards, and other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations.    A component of the qualitative calculation is the unallocated allowance for loan loss.  The qualitative and quantitative calculations are added together to determine the general loan loss allocation.  The specific loan loss allocation relates to individual commercial loans that are both greater than $0.5 million and in a nonaccruing status with respect to interest.  Specific loan losses are based on discounted estimated cash flows, including any cash flows resulting from the conversion of collateral or collateral shortfalls.  The allowance levels computed from the specific and general loan loss allocation methods are combined with unallocated allowances and allowances needed for acquired loans to derive the total required allowance for loan losses to be reflected on the Consolidated Statement of Condition.
	Loan losses are charged off against the allowance, while recoveries of amounts previously charged off are credited to the allowance.  A provision for loan losses is charged to operations based on management’s periodic evaluation of factors previously mentioned.
	Investment Securities
	The Company has classified its investments in debt and equity securities as held-to-maturity or available-for-sale.  Held-to-maturity securities are those for which the Company has the positive intent and ability to hold until maturity, and are reported at cost, which is adjusted for amortization of premiums and accretion of discounts.  During December 2013 the Company reclassified its held-to-maturity portfolio to available-for-sale and the Company will not be able to use the held-to-maturity classification for the foreseeable future.  Securities classified as available-for-sale are reported at fair value with net unrealized gains and losses reflected as a separate component of shareholders' equity, net of applicable income taxes.  None of the Company's investment securities have been classified as trading securities at March 31, 2014.  Certain equity securities are stated at cost and include restricted stock of the Federal Reserve Bank of New York (“Federal Reserve”) and Federal Home Loan Bank of New York (“FHLB”).
	Fair values for investment securities are based upon quoted market prices, where available.  If quoted market prices are not available, fair values are based upon quoted market prices of comparable instruments, or a discounted cash flow model using market estimates of interest rates and volatility.
	The Company conducts an assessment of all securities in an unrealized loss position to determine if other-than-temporary impairment (“OTTI”) exists on a quarterly basis. An unrealized loss exists when the current fair value of an individual security is less than its amortized cost basis.  The OTTI assessment considers the security structure, recent security collateral performance metrics, if applicable, external credit ratings, failure of the issuer to make scheduled interest or principal payments, judgment about and expectations of future performance, and relevant independent industry research, analysis and forecasts. The severity of the impairment and the length of time the security has been impaired is also considered in the assessment.  The assessment of whether an OTTI decline exists is performed on each security, regardless of the classification of the security as available-for-sale or held-to-maturity and involves a high degree of subjectivity and judgment that is based on the information available to management at a point in time.
	An OTTI loss must be recognized for a debt security in an unrealized loss position if there is intent to sell the security or it is more likely than not the Company will be required to sell the security prior to recovery of its amortized cost basis. In this situation, the amount of loss recognized in income is equal to the difference between the fair value and the amortized cost basis of the security. Even if management does not have the intent, and it is not more likely than not that the Company will be required to sell the securities, an evaluation of the expected cash flows to be received is performed to determine if a credit loss has occurred. For debt securities, a critical component of the evaluation for OTTI is the identification of credit-impaired securities, where the Company does not expect to receive cash flows sufficient to recover the entire amortized cost basis of the security.  In the event of a credit loss, only the amount of impairment associated with the credit loss would be recognized in income. The portion of the unrealized loss relating to other factors, such as liquidity conditions in the market or changes in market interest rates, is recorded in accumulated other comprehensive loss.
	Equity securities are also evaluated to determine whether the unrealized loss is expected to be recoverable based on whether evidence exists to support a realizable value equal to or greater than the amortized cost basis. If it is probable that the amortized cost basis will not be recovered, taking into consideration the estimated recovery period and the ability to hold the equity security until recovery, OTTI is recognized in earnings equal to the difference between the fair value and the amortized cost basis of the security.
	The specific identification method is used in determining the realized gains and losses on sales of investment securities and OTTI charges.  Premiums and discounts on securities are amortized and accreted, respectively, on the interest method basis over the period to maturity or estimated life of the related security.  Purchases and sales of securities are recognized on a trade date basis.
	Intangible Assets
	Intangible assets include core deposit intangibles, customer relationship intangibles and goodwill arising from acquisitions. Core deposit intangibles and customer relationship intangibles are amortized on either an accelerated or straight-line basis over periods ranging from seven to 20 years. The initial and ongoing carrying value of goodwill and other intangible assets is based upon discounted cash flow modeling techniques that require management to make estimates regarding the amount and timing of expected future cash flows.  It also requires use of a discount rate that reflects the current return requirements of the market in relation to present risk-free interest rates, required equity market premiums, peer volatility indicators, and company-specific risk indicators.
	The Company evaluates goodwill for impairment on an annual basis, or more often if events or circumstances indicate there may be impairment.  The implied fair value of a reporting unit’s goodwill is compared to its carrying amount and the impairment loss is measured by the excess of the carrying value over fair value.  The fair value of each reporting unit is compared to the carrying amount of that reporting unit in order to determine if impairment is indicated.
	Retirement Benefits
	The Company provides defined benefit pension benefits to eligible employees and post-retirement health and life insurance benefits to certain eligible retirees.  The Company also provides deferred compensation and supplemental executive retirement plans for selected current and former employees, officers, and directors.  Expense under these plans is charged to current operations and consists of several components of net periodic benefit cost based on various actuarial assumptions regarding future experience under the plans, including discount rate, rate of future compensation increases and expected return on plan assets.
	New Accounting Pronouncements
	In January 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2014-04, Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40):  Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure.  This new guidance clarifies when an in substance repossession or foreclosure occurs, and requires all creditors who obtain physical possession (resulting from an in substance repossession or foreclosure) of residential real estate property collateralizing a consumer mortgage loan in satisfaction of a receivable to reclassify the collateralized mortgage loan such that the loan should be derecognized and the collateral asset recognized. This guidance is effective prospectively for the Company for annual and interim periods beginning after December 15, 2014.  The adoption of this guidance is not expected to have a material impact on the Company’s consolidated financial statements.

INVESTMENT_SECURITIES

INVESTMENT SECURITIES	3 Months Ended
	Mar. 31, 2014
INVESTMENT SECURITIES [Abstract]	'
INVESTMENT SECURITIES	'
	NOTE D:  INVESTMENT SECURITIES
	The amortized cost and estimated fair value of investment securities as of March 31, 2014 and December 31, 2013 are as follows:
		31-Mar-14				31-Dec-13
			Gross	Gross			Gross	Gross
		Amortized	Unrealized	Unrealized	Fair		Unrealized	Unrealized	Fair
	(000's omitted)	Cost	Gains	Losses	Value	Cost	Gains	Losses	Value
	Available-for-Sale Portfolio:
	U.S. Treasury and agency securities	$1,479,306	$7,582	$20,157	$1,466,731	$1,252,332	$1,119	$41,304	$1,212,147
	Obligations of state and political subdivisions	684,713	19,984	5,571	699,126	665,441	15,919	12,378	668,982
	Government agency mortgage-backed securities	248,785	9,086	3,021	254,850	250,431	8,660	4,113	254,978
	Corporate debt securities	26,899	794	136	27,557	26,932	873	218	27,587
	Government agency collateralized mortgage obligations	20,777	812	0	21,589	21,779	362	93	22,048
	Marketable equity securities	250	183	0	433	250	171	0	421
	Total available-for-sale portfolio	$2,460,730	$38,441	$28,885	$2,470,286	$2,217,165	$27,104	$58,106	$2,186,163
	Other Securities:
	Federal Reserve Bank common stock	$16,050			$16,050	$16,050			$16,050
	Federal Home Loan Bank common stock	15,436			15,436	12,053			12,053
	Other equity securities	4,449			4,449	4,459			4,459
	Total other securities	$35,935			$35,935	$32,562			$32,562
	A summary of investment securities that have been in a continuous unrealized loss position for less than, or greater than, twelve months is as follows:
	As of March 31, 2014
				Less than 12 Months		12 Months or Longer				Total
					Gross			Gross				Gross
				Fair	Unrealized		Fair	Unrealized			Fair	Unrealized
	(000's omitted)		#	Value	Losses	#	Value	Losses		#	Value	Losses
	Available-for-Sale Portfolio:
	U.S. Treasury and agency obligations		34	$840,063	$20,157	0	$0	$0		34	$840,063	$20,157
	Obligations of state and political subdivisions		211	139,641	4,355	31	15,923	1,216		242	155,564	5,571
	Government agency mortgage-backed securities		38	65,142	2,250	8	9,981	771		46	75,123	3,021
	Corporate debt securities		0	0	0	1	2,737	136		1	2,737	136
	Government agency collateralized mortgage obligations		0	0	0	1	6	0		1	6	0
	Total available-for-sale/investment portfolio		283	$1,044,846	$26,762	41	$28,647	$2,123		324	$1,073,493	$28,885
	As of December 31, 2013
			Less than 12 Months			12 Months or Longer				Total
					Gross			Gross				Gross
				Fair	Unrealized		Fair	Unrealized			Fair	Unrealized
	(000's omitted)		#	Value	Losses	#	Value	Losses		#	Value	Losses
	Available-for-Sale Portfolio:
	U.S. Treasury and agency obligations		43	$1,181,214	$41,304	0	$0	$0		43	$1,181,214	$41,304
	Obligations of state and political subdivisions		302	195,526	11,774	9	4,974	604		311	200,500	12,378
	Government agency mortgage-backed securities		43	68,917	3,262	6	8,713	851		49	77,630	4,113
	Corporate debt securities		1	3,026	31	1	2,703	187		2	5,729	218
	Government agency collateralized mortgage obligations		1	2,601	93	1	7	0		2	2,608	93
	Total available-for-sale/investment portfolio		390	$1,451,284	$56,464	17	$16,397	$1,642		407	$1,467,681	$58,106
	The unrealized losses reported pertaining to securities issued by the U.S. government and its sponsored entities, include treasuries, agencies, and mortgage-backed securities issued by GNMA, FNMA and FHLMC which are currently rated AAA by Moody’s Investor Services, AA+ by Standard & Poor’s and are guaranteed by the U.S. government. The majority of the obligations of state and political subdivisions and corporations carry a credit rating of A or better.  Additionally, a majority of the obligations of state and political subdivisions carry a secondary level of credit enhancement. The Company does not intend to sell these securities, nor is it more likely than not that the Company will be required to sell these securities prior to recovery of the amortized cost. The unrealized losses in the portfolios are primarily attributable to changes in interest rates.  As such, management does not believe any individual unrealized loss as of March 31, 2014 represents OTTI.
	The amortized cost and estimated fair value of debt securities at March 31, 2014, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.  Securities not due at a single maturity date are shown separately.
			Available-for-Sale
			Amortized	Fair
	(000's omitted)		Cost	Value
	Due in one year or less		$61,273	$62,343
	Due after one through five years		164,805	169,923
	Due after five years through ten years		1,677,793	1,670,155
	Due after ten years		287,047	290,993
	Subtotal		2,190,918	2,193,414
	Government agency mortgage-backed securities		248,785	254,850
	Government agency collateralized mortgage obligations		20,777	21,589
	Total		$2,460,480	$2,469,853

LOANS

LOANS	3 Months Ended
	Mar. 31, 2014
LOANS [Abstract]	'
LOANS	'
	NOTE E:  LOANS
	The segments of the Company’s loan portfolio are disaggregated into the following classes that allow management to monitor risk and performance:
	·	Consumer mortgages consist primarily of fixed rate residential instruments, typically 15 – 30 years in contractual term, secured by first liens on real property.
	·	Business lending is comprised of general purpose commercial and industrial loans including, but not limited to agricultural-related and dealer floor plans, as well as mortgages on commercial property.
	·	Consumer indirect consists primarily of installment loans originated through selected dealerships and are secured by automobiles, marine and other recreational vehicles.
	·	Consumer direct consists of all other loans to consumers such as personal installment loans and lines of credit.
	·	Home equity products are consumer purpose installment loans or lines of credit most often secured by a first or second lien position on residential real estate with terms up to 30 years.
	The balances of these classes are summarized as follows:
		March 31,	December 31,
	(000's omitted)	2014	2013
	Consumer mortgage	$1,579,322	$1,582,058
	Business lending	1,246,070	1,260,364
	Consumer indirect	755,849	740,002
	Consumer direct	174,357	180,139
	Home equity	340,760	346,520
	Gross loans, including deferred origination costs	4,096,358	4,109,083
	Allowance for loan losses	(44,197)	-44,319
	Loans, net of allowance for loan losses	$4,052,161	$4,064,764
	The outstanding balance related to credit impaired acquired loans was $14.2 million and $15.5 million at March 31, 2014 and December 31, 2013, respectively.  The changes in the accretable discount related to the credit impaired acquired loans are as follows:
	(000’s omitted)
	Balance at December 31, 2013	$997
	Accretion recognized, year-to-date	-203
	Net reclassification to accretable from nonaccretable	90
	Balance at March 31, 2014	$884
	Credit Quality
	Management monitors the credit quality of its loan portfolio on an ongoing basis.  Measurement of delinquency and past due status are based on the contractual terms of each loan.  Past due loans are reviewed on a monthly basis to identify loans for non-accrual status.  The following is an aged analysis of the Company’s past due loans, by class as of March 31, 2014:
	Legacy Loans (excludes loans acquired after January 1, 2009)
		Past Due	90+ Days Past
		30 – 89	Due and		Total
	(000’s omitted)	Days	Still Accruing	Nonaccrual	Past Due	Current	Total Loans
	Consumer mortgage	$8,924	$953	$12,605	$22,482	$1,479,605	$1,502,087
	Business lending	5,440	54	3,119	8,613	1,070,832	1,079,445
	Consumer indirect	7,550	680	13	8,243	744,818	753,061
	Consumer direct	1,196	53	3	1,252	165,332	166,584
	Home equity	1,359	86	2,015	3,460	269,469	272,929
	Total	$24,469	$1,826	$17,755	$44,050	$3,730,056	$3,774,106
	Acquired Loans (includes loans acquired after January 1, 2009)
		Past Due	90+ Days Past
		30 – 89	Due and		Total	Acquired
	(000’s omitted)	Days	Still Accruing	Nonaccrual	Past Due	Impaired(1)	Current	Total Loans
	Consumer mortgage	$891	$143	$1,828	$2,862	$0	$74,373	$77,235
	Business lending	1,278	0	1,618	2,896	6,143	157,586	166,625
	Consumer indirect	130	2	0	132	0	2,656	2,788
	Consumer direct	283	6	0	289	0	7,484	7,773
	Home equity	539	0	468	1,007	0	66,824	67,831
	Total	$3,121	$151	$3,914	$7,186	$6,143	$308,923	$322,252
	(1)	Acquired impaired loans were not classified as nonperforming assets as the loans are considered to be performing under ASC 310-30.  As a result interest income, through the accretion of the difference between the carrying amount of the loans and the expected cashflows, is being recognized on all acquired impaired loans.
	The following is an aged analysis of the Company’s past due loans by class as of December 31, 2013:
	Legacy Loans (excludes loans acquired after January 1, 2009)
		Past Due	90+ Days Past
		30 – 89	Due and		Total
	(000’s omitted)	Days	Still Accruing	Nonaccrual	Past Due	Current	Total Loans
	Consumer mortgage	$16,589	$1,253	$11,097	$28,939	$1,473,320	$1,502,259
	Business lending	2,960	164	3,083	6,207	1,079,818	1,086,025
	Consumer indirect	11,647	738	14	12,399	723,878	736,277
	Consumer direct	1,858	90	4	1,952	169,452	171,404
	Home equity	2,635	173	1,867	4,675	271,235	275,910
	Total	$35,689	$2,418	$16,065	$54,172	$3,717,703	$3,771,875
	Acquired Loans (includes loans acquired after January 1, 2009)
		Past Due	90+ Days Past
		30 – 89	Due and		Total	Acquired
	(000’s omitted)	Days	Still Accruing	Nonaccrual	Past Due	Impaired(1)	Current	Total Loans
	Consumer mortgage	$1,857	$85	$1,463	$3,405	$0	$76,394	$79,799
Business lending	531	0	1,472	2,003	7,090	165,246	174,339
Consumer indirect	157	17	0	174	0	3,551	3,725
Consumer direct	385	27	0	412	0	8,323	8,735
Home equity	592	8	473	1,073	0	69,537	70,610
Total	$3,522	$137	$3,408	$7,067	$7,090	$323,051	$337,208
(1)	Acquired impaired loans were not classified as nonperforming assets as the loans are considered to be performing under ASC 310-30.  As a result interest income, through the accretion of the difference between the carrying amount of the loans and the expected cashflows, is being recognized on all acquired impaired loans.
The Company uses several credit quality indicators to assess credit risk in an ongoing manner.  The Company’s primary credit quality indicator for its business lending portfolio is an internal credit risk rating system that categorizes loans as “pass”, “special mention”, or “classified”.  Credit risk ratings are applied individually to those classes of loans that have significant or unique credit characteristics that benefit from a case-by-case evaluation.  In general, the following are the definitions of the Company’s credit quality indicators:
Pass	The condition of the borrower and the performance of the loans are satisfactory or better.
Special Mention	The condition of the borrower has deteriorated although the loan performs as agreed.
Classified	The condition of the borrower has significantly deteriorated and the performance of the loan could further deteriorate, if deficiencies are not corrected.
Doubtful	The condition of the borrower has deteriorated to the point that collection of the balance is improbable based on current facts and conditions.
The following table shows the amount of business lending loans by credit quality category:
	31-Mar-14				31-Dec-13
(000’s omitted)	Legacy	Acquired	Total		Legacy	Acquired	Total
Pass	$900,083	$109,175	$1,009,258		$908,885	$116,271	$1,025,156
Special mention	98,874	24,672	123,546		93,600	24,264	117,864
Classified	80,362	26,635	106,997		83,379	26,714	110,093
Doubtful	126	0	126		161	0	161
Acquired impaired	0	6,143	6,143		0	7,090	7,090
Total	$1,079,445	$166,625	$1,246,070		$1,086,025	$174,339	$1,260,364
All other loans are underwritten and structured using standardized criteria and characteristics, primarily payment performance, and are normally risk rated and monitored collectively on a monthly basis.  These are typically loans to individuals in the consumer categories and are delineated as either performing or nonperforming.   Performing loans include current, 30 - 89 days past due and acquired impaired loans.  Nonperforming loans include 90+ days past due and still accruing and nonaccrual loans. The following table details the balances in all other loan categories at March 31, 2014:
Legacy loans (excludes loans acquired after January 1, 2009)
	Consumer	Consumer	Consumer	Home
(000’s omitted)	Mortgage	Indirect	Direct	Equity	Total
Performing	$1,488,529	752,368	166,528	270,828	$2,678,253
Nonperforming	13,558	693	56	2,101	16,408
Total	$1,502,087	$753,061	$166,584	$272,929	$2,694,661
Acquired loans (includes loans acquired after January 1, 2009)
	Consumer	Consumer	Consumer	Home
(000’s omitted)	Mortgage	Indirect	Direct	Equity	Total
Performing	$75,264	2,786	7,767	67,363	$153,180
Nonperforming	1,971	2	6	468	2,447
Total	$77,235	$2,788	$7,773	$67,831	$155,627
The following table details the balances in all other loan categories at December 31, 2013:
Legacy loans (excludes loans acquired after January 1, 2009)
	Consumer	Consumer	Consumer	Home
(000’s omitted)	Mortgage	Indirect	Direct	Equity	Total
Performing	$1,489,909	$735,525	$171,310	$273,870	$2,670,614
Nonperforming	12,350	752	94	2,040	15,236
Total	$1,502,259	$736,277	$171,404	$275,910	$2,685,850
Acquired loans (includes loans acquired after January 1, 2009)
	Consumer	Consumer	Consumer	Home
(000’s omitted)	Mortgage	Indirect	Direct	Equity	Total
Performing	$78,251	$3,708	$8,708	$70,129	$160,796
Nonperforming	1,548	17	27	481	2,073
Total	$79,799	$3,725	$8,735	$70,610	$162,869
All loan classes are collectively evaluated for impairment except business lending, as described in Note C.  A summary of individually evaluated impaired loans as of March 31, 2014 and December 31, 2013 follows:
	March 31,	December 31,
(000’s omitted)	2014	2013
Loans with allowance allocation	$1,543	$945
Loans without allowance allocation	0	600
Carrying balance	1,543	1,545
Contractual balance	1,851	1,852
Specifically allocated allowance	176	50
In the course of working with borrowers, the Company may choose to restructure the contractual terms of certain loans.  In this scenario, the Company attempts to work-out an alternative payment schedule with the borrower in order to optimize collectability of the loan.  Any loans that are modified are reviewed by the Company to identify if a troubled debt restructuring (“TDR”) has occurred, which is when, for economic or legal reasons related to a borrower’s financial difficulties, the Company grants a concession to the borrower that it would not otherwise consider.  Terms may be modified to fit the ability of the borrower to repay in line with its current financial standing and the restructuring of the loan may include the transfer of assets from the borrower to satisfy the debt, a modification of loan terms, or a combination of the two.  With regard to determination of the amount of the allowance for loan losses, troubled debt restructured loans are considered to be impaired.  As a result, the determination of the amount of allowance for loan losses related to impaired loans for each portfolio segment within troubled debt restructurings is the same as detailed previously.
During 2012, clarified guidance was issued by the OCC addressing the accounting for certain loans that have been discharged in Chapter 7 bankruptcy.  In accordance with this clarified guidance, loans that have been discharged in Chapter 7 bankruptcy, but not reaffirmed by the borrower, are classified as TDRs, irrespective of payment history or delinquency status, even if the repayment terms for the loan have not been otherwise modified.  The Company’s lien position against the underlying collateral remains unchanged.  Pursuant to that guidance, the Company records a charge-off equal to any portion of the carrying value that exceeds the net realizable value of the collateral.  The amount of loss incurred in 2014 and 2013 was immaterial.
TDRs less than $0.5 million are collectively included in the general loan loss allocation and the qualitative review, if necessary.  Commercial loans greater than $0.5 million are individually evaluated for impairment, and if necessary, a specific allocation of the allowance for loan losses is provided.  At March 31, 2014, there were no impaired loans that were considered a TDR.
Information regarding troubled debt restructurings as of March 31, 2014 and December 31, 2013 is as follows:
	31-Mar-14							31-Dec-13
(000’s omitted)	Nonaccrual		Accruing		Total			Nonaccrual		Accruing		Total
	#	Amount	#	Amount	#	Amount		#	Amount	#	Amount	#	Amount
Consumer mortgage	37	$1,918	43	$1,878	80	$3,796		31	$1,682	48	$2,171	79	$3,853
Business lending	5	300	1	46	6	346		4	162	1	47	5	209
Consumer indirect	0	0	91	651	91	651		0	0	98	692	98	692
Consumer direct	0	0	42	113	42	113		0	0	46	116	46	116
Home equity	10	226	16	316	26	542		12	202	20	363	32	565
Total	52	$2,444	193	$3,004	245	$5,448		47	$2,046	213	$3,389	260	$5,435
The following table presents information related to loans modified in a TDR during the three months ended March 31, 2014 and 2013.  Of the loans noted in the table below, all but two loans for the three months ended March 31, 2014, and no loans for the three months ended March 31 2013, were modified due to a Chapter 7 bankruptcy as described previously.  The two exceptions were a business loan restructured via an extension of term and a consumer mortgage restructured via an extension of term and a rate concession.  The financial effects of these restructurings were immaterial.
	Three Month Ended March 31, 2014			Three Month Ended March 31, 2013
(000’s omitted)	Number of loans	Outstanding		Number of loans	Outstanding
	modified	Balance		modified	Balance
Consumer mortgage	11	$533		13	$1,002
Business lending	4	192		3	72
Consumer indirect	12	112		11	107
Consumer direct	2	10		9	31
Home equity	1	30		5	97
Total	30	$877		41	$1,309
Allowance for Loan Losses
The allowance for loan losses is general in nature and is available to absorb losses from any loan type despite the analysis below.  The following presents by class the activity in the allowance for loan losses:
	Three Months Ended March 31, 2014
	Consumer	Business	Consumer	Consumer	Home		Acquired
(000’s omitted)	Mortgage	Lending	Indirect	Direct	Equity	Unallocated	Impaired	Total
Beginning balance	$8,994	$17,507	$10,248	$3,181	$1,830	$2,029	$530	$44,319
Charge-offs	-167	-120	-1,427	-492	-129	0	-13	-2,348
Recoveries	41	171	796	212	6	0	0	1,226
Provision	413	-512	969	186	111	149	-316	1,000
Ending balance	$9,281	$17,046	$10,586	$3,087	$1,818	$2,178	$201	$44,197
	Three Months Ended March 31, 2013
	Consumer	Business	Consumer	Consumer	Home		Acquired
(000’s omitted)	Mortgage	Lending	Indirect	Direct	Equity	Unallocated	Impaired	Total
Beginning balance	$7,070	$18,013	$9,606	$3,303	$1,451	$2,666	$779	$42,888
Charge-offs	-371	-784	-891	-545	-185	0	0	-2,776
Recoveries	6	142	958	298	4	0	0	1,408
Provision	587	186	-225	28	413	261	143	1,393
Ending balance	$7,292	$17,557	$9,448	$3,084	$1,683	$2,927	$922	$42,913

GOODWILL_AND_IDENTIFIABLE_INTA

GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS	3 Months Ended
	Mar. 31, 2014
GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS [Abstract]	'
GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS	'
	NOTE F:  GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS
	The gross carrying amount and accumulated amortization for each type of identifiable intangible asset are as follows:
			31-Mar-14			31-Dec-13
			Gross		Net	Gross		Net
			Carrying	Accumulated	Carrying	Carrying	Accumulated	Carrying
	(000's omitted)		Amount	Amortization	Amount	Amount	Amortization	Amount
	Amortizing intangible assets:
	Core deposit intangibles		$40,326	($27,778)	$12,548	$40,326	($26,866)	$13,460
	Other intangibles		10,019	-7,622	2,397	9,441	-7,393	2,048
	Total amortizing intangibles		$50,345	($35,400)	$14,945	$49,767	($34,259)	$15,508
	The estimated aggregate amortization expense for each of the five succeeding fiscal years ended December 31 is as follows:
	Apr - Dec 2014	$3,146
	2015	3,408
	2016	2,612
	2017	1,908
	2018	1,424
	Thereafter	2,447
	Total	$14,945
	Shown below are the components of the Company’s goodwill at December 31, 2013 and March 31, 2014:
	(000’s omitted)	31-Dec-13	Activity	31-Mar-14
	Goodwill	$379,815	$183	$379,998
	Accumulated impairment	-4,824	0	-4,824
	Goodwill, net	$374,991	$183	$375,174

MANDATORILY_REDEEMABLE_PREFERR

MANDATORILY REDEEMABLE PREFERRED SECURITIES	3 Months Ended
	Mar. 31, 2014
MANDATORILY REDEEMABLE PREFERRED SECURITIES [Abstract]	'
MANDATORILY REDEEMABLE PREFERRED SECURITIES	'
	NOTE G:  MANDATORILY REDEEMABLE PREFERRED SECURITIES
	The Company sponsors two business trusts, Community Statutory Trust III and Community Capital Trust IV, of which 100% of the common stock is owned by the Company.  The trusts were formed for the purpose of issuing company-obligated mandatorily redeemable preferred securities to third-party investors and investing the proceeds from the sale of such preferred securities solely in junior subordinated debt securities of the Company.  The debentures held by each trust are the sole assets of that trust.  Distributions on the preferred securities issued by each trust are payable quarterly at a rate per annum equal to the interest rate being earned by the trust on the debentures held by that trust and are recorded as interest expense in the consolidated financial statements.  The preferred securities are subject to mandatory redemption, in whole or in part, upon repayment of the debentures.  The Company has entered into agreements which, taken collectively, fully and unconditionally guarantee the preferred securities subject to the terms of each of the guarantees.  The terms of the preferred securities of each trust are as follows:
		Issuance	Par		Maturity
	Trust	Date	Amount	Interest Rate	Date	Call Price
	III	7/31/01	$24.5 million	3 month LIBOR plus 3.58% (3.82%)	7/31/31	Par
	IV	12/8/06	$75 million	3 month LIBOR plus 1.65% (1.88%)	12/15/36	Par

BENEFIT_PLANS

BENEFIT PLANS	3 Months Ended
	Mar. 31, 2014
BENEFIT PLANS [Abstract]	'
BENEFIT PLANS	'
	NOTE H:  BENEFIT PLANS
	The Company provides a qualified defined benefit pension to eligible employees and retirees, other post-retirement health and life insurance benefits to certain retirees, an unfunded supplemental pension plan for certain key executives, and an unfunded stock balance plan for certain of its nonemployee directors.  The Company accrues for the estimated cost of these benefits through charges to expense during the years that employees earn these benefits.  No contributions to the defined benefit pension plan are required or planned for 2014.
	The net periodic benefit cost for the three months ended March 31, 2014 and 2013 is as follows:
		Pension Benefits		Post-retirement Benefits
		Three Months Ended		Three Months Ended
		March 31,		March 31,
	(000's omitted)	2014	2013	2014	2013
	Service cost	$882	$985	$0	$0
	Interest cost	1,318	1,029	27	22
	Expected return on plan assets	-2,980	-2,451	0	0
	Amortization of unrecognized net loss	-77	1,007	0	3
	Amortization of prior service cost	1	14	-45	-45
	Net periodic benefit cost	($856)	$584	($18)	($20)

EARNINGS_PER_SHARE

EARNINGS PER SHARE	3 Months Ended
	Mar. 31, 2014
EARNINGS PER SHARE [Abstract]	'
EARNINGS PER SHARE	'
	NOTE I:  EARNINGS PER SHARE
	Basic earnings per share are computed based on the weighted-average of the common shares outstanding for the period.  Diluted earnings per share are based on the weighted-average of the shares outstanding adjusted for the dilutive effect of restricted stock and the assumed exercise of stock options during the year.  The dilutive effect of options is calculated using the treasury stock method of accounting.  The treasury stock method determines the number of common shares that would be outstanding if all the dilutive options (those where the average market price is greater than the exercise price) were exercised and the proceeds were used to repurchase common shares in the open market at the average market price for the applicable time period.  There were approximately 0.04 million weighted-average anti-dilutive stock options outstanding for the three months ended March 31, 2014, compared to approximately 0.5 million weighted-average anti-dilutive stock options outstanding for the three months March 31, 2013 that were not included in the computation below.
	The following is a reconciliation of basic to diluted earnings per share for the three months ended March 31, 2014 and 2013.
		Three Months Ended
		March 31,
	(000's omitted, except per share data)	2014	2013
	Net income	$22,173	$20,241
	Income attributable to unvested stock-based compensation awards	-99	-79
	Income available to common shareholders	22,074	20,162
	Weighted-average common shares outstanding – basic	40,458	39,703
	Basic earnings per share	$0.55	$0.51
	Net income	$22,173	$20,241
	Income attributable to unvested stock-based compensation awards	-99	-79
	Income available to common shareholders	22,074	20,162
	Weighted-average common shares outstanding – basic	40,458	39,703
	Assumed exercise of stock options	512	463
	Weighted-average common shares outstanding – diluted	40,970	40,166
	Diluted earnings per share	$0.54	$0.50
	Stock Repurchase Program
	At its December 2013 meeting, the Board approved a new repurchase program authorizing the repurchase of up to 2,000,000 shares of the Company’s common stock, in accordance with securities laws and regulations, through December 31, 2014.  Any repurchased shares will be used for general corporate purposes, including those related to stock plan activities.  The timing and extent of repurchases will depend on market conditions and other corporate considerations as determined at the Company’s discretion.
	There were no open market treasury stock purchases in 2013 or the first three months of 2014.

COMMITMENTS_CONTINGENT_LIABILI

COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS	3 Months Ended
	Mar. 31, 2014
COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS [Abstract]	'
COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS	'
	NOTE J:  COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS
	The Company is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers.  These financial instruments consist primarily of commitments to extend credit and standby letters of credit.  Commitments to extend credit are agreements to lend to customers, generally having fixed expiration dates or other termination clauses that may require payment of a fee.  These commitments consist principally of unused commercial and consumer credit lines.  Standby letters of credit generally are contingent upon the failure of the customer to perform according to the terms of an underlying contract with a third party.  The credit risks associated with commitments to extend credit and standby letters of credit are essentially the same as that involved with extending loans to customers and are subject to the Company’s normal credit policies.  Collateral may be obtained based on management’s assessment of the customer’s creditworthiness.  The fair value of the standby letters of credit is immaterial for disclosure.
	The contract amount of commitments and contingencies are as follows:
	(000's omitted)	March 31,	December 31,
		2014	2013
	Commitments to extend credit	$728,223	$704,904
	Standby letters of credit	24,333	24,449
	Total	$752,556	$729,353
	The Company and its subsidiaries are subject in the normal course of business to various pending and threatened legal proceedings in which claims for monetary damages are asserted. As of March 31, 2014, management, after consultation with legal counsel, does not anticipate that the aggregate ultimate liability arising out of litigation pending or threatened against the Company or its subsidiaries will be material to the Company’s consolidated financial position. On at least a quarterly basis the Company assesses its liabilities and contingencies in connection with such legal proceedings. For those matters where it is probable that the Company will incur losses and the amounts of the losses can be reasonably estimated, the Company records an expense and corresponding liability in its consolidated financial statements. To the extent the pending or threatened litigation could result in exposure in excess of that liability, the amount of such excess is not currently estimable. Although not considered probable, the range of reasonably possible losses for such matters in the aggregate, beyond the existing recorded liability, is between $0 and $5 million. Although the Company does not believe that the outcome of pending litigation will be material to the Company’s consolidated financial position, it cannot rule out the possibility that such outcomes will be material to the consolidated results of operations for a particular reporting period in the future.
	The Bank was named a defendant in an action commenced October 30, 2013 which is pending in the United States District Court for the Middle District of Pennsylvania.  The plaintiff alleges that the notices provided to her in connection with the repossession of her automobile failed to comply with certain requirements of Pennsylvania’s Uniform Commercial Code (UCC).  Plaintiff seeks to pursue the action as a class action on behalf of herself and other similarly situated plaintiffs who had their automobiles repossessed and seeks to recover statutory damages under the UCC. The Bank contests the allegation that the repossession notices were deficient and intends to oppose class certification.  The Bank has also asserted counterclaims for breach of contract and set-off against plaintiff, individually and as representative of the putative class, and has filed a motion to dismiss the action on the basis of mootness.  In response, Plaintiff has moved to dismiss the Bank’s counterclaims on the grounds that the Court lacks subject matter jurisdiction.  The parties’ motions to dismiss are currently pending before the Court.   As set forth in the preceding paragraph, all current litigation matters, including this action, are within a range of reasonably possible losses for such matters in the aggregate, beyond the existing recorded liability, and are included in the range of reasonably possible losses set forth above.

FAIR_VALUE

FAIR VALUE	3 Months Ended
	Mar. 31, 2014
FAIR VALUE [Abstract]	'
FAIR VALUE	'
	NOTE K: FAIR VALUE
	Accounting standards allow entities an irrevocable option to measure certain financial assets and financial liabilities at fair value. Unrealized gains and losses on items for which the fair value option has been elected are reported in earnings. The Company has elected to value loans held for sale at fair value in order to more closely match the gains and losses associated with loans held for sale with the gains and losses on forward sales contracts. Accordingly, the impact on the valuation will be recognized in the Company’s consolidated statement of income. All mortgage loans held for sale are current and in performing status.
	Accounting standards establish a framework for measuring fair value and require certain disclosures about such fair value instruments. It defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date (i.e. exit price). Inputs used to measure fair value are classified into the following hierarchy:
	•	Level 1 – Quoted prices in active markets for identical assets or liabilities.
	•	Level 2 – Quoted prices in active markets for similar assets or liabilities, or quoted prices for identical or similar assets or liabilities in markets that are not active, or inputs other than quoted prices that are observable for the asset or liability.
	•	Level 3 – Significant valuation assumptions not readily observable in a market.
	A financial instrument’s categorization within the valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement. The following tables set forth the Company’s financial assets and liabilities that were accounted for at fair value on a recurring basis. There were no transfers between any of the levels for the periods presented.
			31-Mar-14
	(000's omitted)		Level 1				Level 2				Level 3		Total Fair Value
	Available-for-sale investment securities:
	U.S. Treasury and agency securities			$1,437,219				$29,512				$0		$1,466,731
	Obligations of state and political subdivisions			0				699,126				0		699,126
	Government agency mortgage-backed securities			0				254,850				0		254,850
	Corporate debt securities			0				27,557				0		27,557
	Government agency collateralized mortgage obligations			0				21,589				0		21,589
	Marketable equity securities			433				0				0		433
	Total available-for-sale investment securities			1,437,652				1,032,634				0		2,470,286
	Mortgage loans held for sale			0				802				0		802
	Commitments to originate real estate loans for sale			0				0				67		67
	Forward sales commitments			0				9				0		9
	Total			$1,437,652				$1,033,445				$67		$2,471,164
			31-Dec-13
	(000's omitted)		Level 1				Level 2				Level 3		Total Fair Value
	Available-for-sale investment securities:
	U.S. Treasury and agency securities			$1,182,261				$29,886				$0		$1,212,147
	Obligations of state and political subdivisions			0				668,982				0		668,982
	Government agency mortgage-backed securities			0				254,978				0		254,978
	Corporate debt securities			0				27,587				0		27,587
	Government agency collateralized mortgage obligations			0				22,048				0		22,048
	Marketable equity securities			421				0				0		421
	Total available-for-sale investment securities			1,182,682				1,003,481				0		2,186,163
	Mortgage loans held for sale			0				728				0		728
	Commitments to originate real estate loans for sale			0				0				44		44
	Forward sales commitments			0				27				0		27
	Total			$1,182,682				$1,004,236				$44		$2,186,962
	The valuation techniques used to measure fair value for the items in the table above are as follows:
	·	Available for sale investment securities – The fair value of available-for-sale investment securities is based upon quoted prices, if available.  If quoted prices are not available, fair values are measured using quoted market prices for similar securities or model-based valuation techniques.  Level 1 securities include U.S. Treasury obligations and marketable equity securities that are traded by dealers or brokers in active over-the-counter markets.  Level 2 securities include U.S. agency securities, mortgage-backed securities issued by government-sponsored entities, municipal securities and corporate debt securities that are valued by reference to prices for similar securities or through model-based techniques in which all significant inputs, such as reported trades, trade execution data, LIBOR swap yield curve, market prepayment speeds, credit information, market spreads, and security’s terms and conditions, are observable.  See Note D for further discussion of the fair value of investment securities.
	·	Mortgage loans held for sale – Mortgage loans held for sale are carried at fair value, which is determined using quoted secondary-market prices of loans with similar characteristics and, as such, have been classified as a Level 2 valuation.  The unpaid principal value of mortgage loans held for sale at March 31, 2014 is approximately $0.8 million.  The unrealized gain on mortgage loans held for sale of approximately $0.02 million was recognized in mortgage banking and other income in the consolidated statement of income for the three months ended March 31, 2014.
	·	Forward sales commitments – The Company enters into forward sales commitments to sell certain residential real estate loans.  Such commitments are considered to be derivative financial instruments and, therefore, are carried at estimated fair value in the other asset or other liability section of the consolidated balance sheet.  The fair value of these forward sales commitments is primarily measured by obtaining pricing from certain government-sponsored entities and reflects the underlying price the entity would pay the Company for an immediate sale on these mortgages.  As such, these instruments are classified as Level 2 in the fair value hierarchy.
	·	Commitments to originate real estate loans for sale – The Company enters into various commitments to originate residential real estate loans for sale.  Such commitments are considered to be derivative financial instruments and, therefore, are carried at estimated fair value in the other asset or other liability section of the consolidated balance sheet.  The estimated fair value of these commitments is determined using quoted secondary market prices obtained from certain government-sponsored entities.  Additionally, accounting guidance requires the expected net future cash flows related to the associated servicing of the loan to be included in the fair value measurement of the derivative.  The expected net future cash flows are based on a valuation model that calculates the present value of estimated net servicing income.  The valuation model incorporates assumptions that market participants would use in estimating future net servicing income.  Such assumptions include estimates of the cost of servicing loans, appropriate discount rate and prepayment speeds.  The determination of expected net cash flows is considered a significant unobservable input contributing to the Level 3 classification of commitments to originate real estate loans for sale.
	The changes in Level 3 assets measured at fair value on a recurring basis are summarized in the following tables:
			Three Months Ended
			March 31,
			2014				2013
	(000's omitted)		Commitments				Pooled Trust
			to Originate				Preferred
			Real Estate				Securities
			Loans for Sale
	Beginning balance			$44				$49,600
	Total (losses)/gains included in earnings (1)(3)			(44	)			103
	Total gains included in other comprehensive income(2)			0				1,892
	Principal reductions			0				(4,109	)
	Commitments to originate real estate loans held for sale, net			67				0
	Ending balance			$67				$47,486
	(1) Amounts included in earnings associated with the pooled trust preferred securities relate to accretion of related discount, which are reported in interest and dividends on taxable investments.
	(2) Amounts included in other comprehensive income associated with the pooled trust preferred securities relate to changes in unrealized loss and are reported as a component of net unrealized gains/(losses) on available-for sale securities in the Statement of Comprehensive Income.
	(3) Amounts included in earnings associated with the commitments to originate real estate loans for sale are reported as a component of other banking services in the Consolidated Statement of Income.
	Assets and liabilities measured on a non-recurring basis:
			31-Mar-14												31-Dec-13
	(000's omitted)		Level 1				Level 2				Level 3		Total Fair		Level 1		Level 2		Level 3		Total Fair
													Value								Value
	Impaired loans			$0				$0				$420		$420		$0		$600		$0		$600
	Other real estate owned			0				0				4,914		4,914		0		0		5,060		5,060
Total			$0				$0				$5,334		$5,334		$0		$600		$5,060		$5,660
Loans are generally not recorded at fair value on a recurring basis.  Periodically, the Company records nonrecurring adjustments to the carrying value of loans based on fair value measurements for partial charge-offs of the uncollectible portions of those loans.  Nonrecurring adjustments also include certain impairment amounts for collateral-dependent loans calculated when establishing the allowance for credit losses. Such amounts are generally based on the fair value of the underlying collateral supporting the loan and, as a result, the carrying value of the loan less the calculated valuation amount does not necessarily represent the fair value of the loan. Real estate collateral is typically valued using independent appraisals or other indications of value based on recent comparable sales of similar properties or assumptions generally observable in the marketplace, adjusted for non-observable inputs.  Thus, the resulting nonrecurring fair value measurements are generally classified as Level 3. Estimates of fair value used for other collateral supporting commercial loans generally are based on assumptions not observable in the marketplace and, therefore, such valuations classify as Level 3.  At December 31, 2013, impaired loans recorded at fair value consisted of one loan that was valued using a purchase offer that did not require an adjustment for estimated costs.  As such, no unobservable inputs were utilized and it was classified as a Level 2 valuation.
Other real estate owned (“OREO”) is valued at the time the loan is foreclosed upon and the asset is transferred to other real estate owned. The value is based primarily on third party appraisals, less costs to sell. The appraisals are sometimes further discounted based on management’s historical knowledge, changes in market conditions from the time of valuation, and/or management’s expertise and knowledge of the customer and customer’s business. Such discounts are significant, ranging from 5% to 69% at March 31, 2014 and result in a Level 3 classification of the inputs for determining fair value. OREO is reviewed and evaluated on at least a quarterly basis for additional impairment and adjusted accordingly, based on the same factors identified above. The Company recovers the carrying value of OREO through the sale of the property. The ability to affect future sales prices is subject to market conditions and factors beyond our control and may impact the estimated fair value of a property.
Originated mortgage servicing rights are recorded at their fair value at the time of sale of the underlying loan, and are amortized in proportion to and over the estimated period of net servicing income. The fair value of mortgage servicing rights is based on a valuation model incorporating inputs that market participants would use in estimating future net servicing income. Such inputs include estimates of the cost of servicing loans, appropriate discount rate and prepayment speeds and are considered to be unobservable and contribute to the Level 3 classification of mortgage servicing rights. In accordance with GAAP, the Company must record impairment charges, on a nonrecurring basis, when the carrying value of a stratum exceeds its estimated fair value. Impairment is recognized through a valuation allowance. There is no valuation allowance at March 31, 2014 as the fair value of mortgage servicing rights of approximately $1.6 million exceeded the carrying value of approximately $1.1 million.
The Company evaluates goodwill for impairment on an annual basis, or more often if events or circumstances indicate there may be impairment.  The fair value of each reporting unit is compared to the carrying amount of that reporting unit in order to determine if impairment is indicated.  If so, the implied fair value of the reporting unit’s goodwill is compared to its carrying amount and the impairment loss is measured by the excess of the carrying value of the goodwill over fair value of the goodwill.  In such situations, the Company performs a discounted cash flow modeling technique that requires management to make estimates regarding the amount and timing of expected future cash flows of the assets and liabilities of the reporting unit that enable the Company to calculate the implied fair value of the goodwill.  It also requires use of a discount rate that reflects the current return expectation of the market in relation to present risk-free interest rates, expected equity market premiums, peer volatility indicators and company-specific risk indicators.  The Company did not recognize an impairment charge during 2013 or thus far in 2014.
The significant unobservable inputs used in the determination of fair value of assets classified as Level 3 on a recurring or non-recurring basis as of March 31, 2014 are as follows:
(000's omitted)		Fair Value at			Valuation Technique	Significant Unobservable Inputs		Significant
		31-Mar-14						Unobservable Input
								Range
								(Weighted Average)
Impaired loans			$420		Fair Value of Collateral	Estimated cost of disposal/market adjustment			12.0%-50.0% (23.1%)
Other real estate owned			4,914		Fair Value of Collateral	Estimated cost of disposal/market adjustment			4.6%-69.2% (25.7%)
Commitments to originate real			67		Discounted cash flow	Embedded servicing value			1%
estate loans for sale
The significant unobservable inputs used in the determination of fair value of assets classified as Level 3 on a recurring or non-recurring basis as of December 31, 2013 are as follows:
(000's omitted)		Fair Value at			Valuation Technique	Significant Unobservable Inputs		Significant
		31-Dec-13						Unobservable Input
								Range
								(Weighted Average)
Other real estate owned			$5,060		Fair value of collateral	Estimated cost of disposal/market adjustment			11.0% - 54.4%(28.1%)
Commitments to originate real			44		Discounted cash flow	Embedded servicing value			1%
estate loans for sale
The Company determines fair values based on quoted market values, where available, estimates of present values, or other valuation techniques.  Those techniques are significantly affected by the assumptions used, including, but not limited to, the discount rate and estimates of future cash flows.  In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, may not be realized in immediate settlement of the instrument.  Certain financial instruments and all nonfinancial instruments are excluded from fair value disclosure requirements.  Accordingly, the aggregate fair value amounts presented do not represent the underlying value of the Company.
The carrying amounts and estimated fair values of the Company’s other financial instruments that are not accounted for at fair value at March 31, 2014 and December 31, 2013 are as follows:
		31-Mar-14								31-Dec-13
		Carrying				Fair				Carrying		Fair
(000's omitted)		Value				Value				Value		Value
Financial assets:
Net loans			$4,052,161				$4,041,417				$4,064,764		$4,044,449
Financial liabilities:
Deposits			6,038,888				6,039,766				5,896,044		5,898,138
Borrowings			217,110				217,110				141,913		141,913
Subordinated debt held by unconsolidated subsidiary trusts			102,103				99,265				102,097		109,284
The following is a further description of the principal valuation methods used by the Company to estimate the fair values of its financial instruments.
Loans have been classified as a Level 3 valuation.  Fair values for variable rate loans that reprice frequently are based on carrying values.  Fair values for fixed rate loans are estimated using discounted cash flows and interest rates currently being offered for loans with similar terms to borrowers of similar credit quality.
Deposits have been classified as a Level 2 valuation.  The fair value of demand deposits, interest-bearing checking deposits, savings accounts and money market deposits is the amount payable on demand at the reporting date.  The fair value of time deposit obligations are based on current market rates for similar products.
Borrowings have been classified as a Level 2 valuation.  The fair value of FHLB overnight advances is the amount payable on demand at the reporting date.  Fair values for long-term borrowings are estimated using discounted cash flows and interest rates currently being offered on similar borrowings, and are immaterial as of the reporting dates.
Subordinated debt held by unconsolidated subsidiary trusts have been classified as a Level 2 valuation.   The fair value of subordinated debt held by unconsolidated subsidiary trusts are estimated using discounted cash flows and interest rates currently being offered on similar securities.
Other financial assets and liabilities – Cash and cash equivalents have been classified as a Level 1 valuation, while accrued interest receivable and accrued interest payable have been classified as a Level 2 valuation.  The fair values of each approximate the respective carrying values because the instruments are payable on demand or have short-term maturities and present relatively low credit risk and interest rate risk.

DERIVATIVE_INSTRUMENTS

DERIVATIVE INSTRUMENTS	3 Months Ended
	Mar. 31, 2014
DERIVATIVE INSTRUMENTS [Abstract]	'
DERIVATIVE INSTRUMENTS	'
	NOTE L:  DERIVATIVE INSTRUMENTS
	The Company is party to derivative financial instruments in the normal course of its business to meet the financing needs of its customers and to manage its own exposure to fluctuations in interest rates.  These financial instruments have been limited to commitments to originate real estate loans held for sale and forward sales commitments.  The Company does not hold or issue derivative financial instruments for trading or other speculative purposes.
	The Company enters into forward sales commitments for the future delivery of residential mortgage loans, and interest rate lock commitments to fund loans at a specified interest rate.  The forward sales commitments are utilized to reduce interest rate risk associated with interest rate lock commitments and loans held for sale.  Changes in the estimated fair value of the forward sales commitments and interest rate lock commitments subsequent to inception are based on changes in the fair value of the underlying loan resulting from the fulfillment of the commitment and changes in the probability that the loan will fund within the terms of the commitment, which is affected primarily by changes in interest rates and the passage of time.  At inception and during the life of the interest rate lock commitment, the Company includes the expected net future cash flows related to the associated servicing of the loan as part of the fair value measurement of the interest rate lock commitments.  These derivatives are recorded at fair value.
	The following table presents the Company’s derivative financial instruments, their estimated fair values, and balance sheet location as of March 31, 2014:
	(000's omitted)		Location	Notional	Fair Value
	Derivatives not designated as hedging instruments:
	Forward sales commitments		Other assets	$3,874	$9
	Commitments to originate real estate loans for sale		Other assets	4,064	67
	Total derivatives				$76
	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 months ended March 31, 2014:
	(000's omitted)	Location		Gain recognized in the Statement of
				Income for the Three Months Ending
				31-Mar-14
	Forward sales commitments	Mortgage banking and other services		($18)
	Commitments to originate real estate	Mortgage banking and other services		23
	loans for sale
	Total			$5

SEGMENT_INFORMATION

SEGMENT INFORMATION	3 Months Ended
	Mar. 31, 2014
SEGMENT INFORMATION [Abstract]	'
SEGMENT INFORMATION	'
	NOTE M:  SEGMENT INFORMATION
	Operating segments are components of an enterprise, which are evaluated regularly by the “chief operating decision maker” in deciding how to allocate resources and assess performance.  The Company’s chief operating decision maker is the President and Chief Executive Officer of the Company. The Company has identified Banking, Employee Benefit Services and Wealth Management as its reportable operating business segments.  CBNA operates the banking segment that provides full-service banking to consumers, businesses and governmental units in northern, central and western New York as well as northern Pennsylvania.  Employee benefit services, which includes Benefit Plans Administrative Services, Inc. (“BPAS”), Harbridge and Hand Benefit & Trust Company (“HB&T”) provides employee benefit trust, collective investment fund, retirement plan administration, actuarial, VEBA/HRA and health and welfare consulting services.  Wealth management services activities include trust services provided by the personal trust unit within the Bank, investment and insurance products and services provided by Community Investment Services, Inc. (“CISI”) and CBNA Insurance Agency, Inc., and asset management provided by Nottingham Advisors, Inc.  The accounting policies used in the disclosure of business segments are the same as those described in the summary of significant accounting policies (See Note A, Summary of Significant Accounting Policies of the most recent Form 10-K for the year ended December 31, 2013 filed with the SEC on March 3, 2014).
	Information about reportable segments and reconciliation of the information to the consolidated financial statements follows:
		Banking	Employee	Wealth	Eliminations	Consolidated
	(000's omitted)		Benefit Services	Management		Total
	Three Months Ended March 31, 2014
	Net interest income	$60,063	$23	$22	$0	$60,108
	Provision for loan losses	1,000	0	0	0	1,000
	Noninterest income	13,444	10,721	4,663	-474	28,354
	Amortization of intangible assets	912	172	57	0	1,141
	Other operating expenses	43,711	8,297	3,246	-474	54,780
	Income before income taxes	$27,884	$2,275	$1,382	$0	$31,541
	Assets	$7,370,190	$30,719	$14,383	($18,064)	$7,397,228
	Goodwill	$364,495	$8,019	$2,660	$0	$375,174
	Three Months Ended March 31, 2013
	Net interest income	$58,374	$31	$20	$0	$58,425
	Provision for loan losses	1,393	0	0	0	1,393
	Noninterest income	12,641	10,026	3,893	-451	26,109
	Amortization of intangible assets	937	176	66	0	1,179
	Other operating expenses	43,231	7,614	2,979	-451	53,373
	Income before income taxes	$25,454	$2,267	$868	$0	$28,589
	Assets	$7,196,264	$32,091	$13,044	($20,326)	$7,221,073
	Goodwill	$359,207	$7,836	$2,660	$0	$369,703

ACCOUNTING_POLICIES_Policies

ACCOUNTING POLICIES (Policies)	3 Months Ended
	Mar. 31, 2014
ACCOUNTING POLICIES [Abstract]	'
Acquired loans	'
	Acquired loans
	Acquired loans are initially recorded at their acquisition date fair values.  The carryover of allowance for loan losses is prohibited as any credit losses in the loans are included in the determination of the fair value of the loans at the acquisition date. Fair values for acquired loans are based on a discounted cash flow methodology that involves assumptions and judgments as to credit risk, prepayment risk, liquidity risk, default rates, loss severity, payment speeds, collateral values and discount rate.
	Acquired impaired loans
	Acquired loans that have evidence of deterioration in credit quality since origination and for which it is probable, at acquisition, that the Company will be unable to collect all contractually required payments are accounted for as impaired loans under ASC 310-30.  The excess of undiscounted cash flows expected at acquisition over the estimated fair value is referred to as the accretable discount and is recognized into interest income over the remaining life of the loans using the interest method. The difference between contractually required payments at acquisition and the undiscounted cash flows expected to be collected at acquisition is referred to as the non-accretable discount. The non-accretable discount represents estimated future credit losses and other contractually required payments that the Company does not expect to collect. Subsequent decreases in expected cash flows are recognized as impairments through a charge to the provision for credit losses resulting in an increase in the allowance for loan losses. Subsequent improvements in expected cash flows result in a recovery of previously recorded allowance for loan losses or a reversal of a corresponding amount of the non-accretable discount, which the Company then reclassifies as an accretable discount that is recognized into interest income over the remaining life of the loans using the interest method.
	Acquired loans that met the criteria for non-accrual of interest prior to acquisition may be considered performing upon acquisition, regardless of whether the customer is contractually delinquent, if the Company can reasonably estimate the timing and amount of the expected cash flows on such loans and if the Company expects to fully collect the new carrying value of the loans. As such, the Company may no longer consider the loan to be non-accrual or non-performing and may accrue interest on these loans, including the impact of any accretable discount.
	Acquired non-impaired loans
	Acquired loans that do not meet the requirements under ASC 310-30 are considered acquired non-impaired loans. The difference between the acquisition date fair value and the outstanding balance represents the fair value adjustment for a loan and includes both credit and interest rate considerations. Fair value adjustments may be discounts (or premiums) to a loan’s cost basis and are accreted (or amortized) to net interest income (or expense) over the loan’s remaining life in accordance with ASC 310- 20. Fair value adjustments for revolving loans are accreted (or amortized) using a straight line method. Term loans are accreted (or amortized) using the constant effective yield method.
	Subsequent to the purchase date, the methods used to estimate the allowance for loan losses for the acquired non-impaired loans is consistent with the policy described below.  However, the Company compares the net realizable value of the loans to the carrying value, for loans collectively evaluated for impairment.  The carrying value represents the net of the loan’s unpaid principal balance and the remaining purchase discount (or premium) that has yet to be accreted into interest income.  When the carrying value exceeds the net realizable value, an allowance for loan losses is recognized.
Allowance for Loan Losses	'
	Allowance for Loan Losses
	Management continually evaluates the credit quality of the Company’s loan portfolio, and performs a formal review of the adequacy of the allowance for loan losses on a quarterly basis.  The allowance reflects management’s best estimate of probable losses inherent in the loan portfolio.  Determination of the allowance is subjective in nature and requires significant estimates.   The Company’s allowance methodology consists of two broad components - general and specific loan loss allocations.
	The general loan loss allocation is composed of two calculations that are computed on five main loan segments:  business lending, consumer installment - direct, consumer installment - indirect, home equity and consumer mortgage.  The first calculation is quantitative and determines an allowance level based on the latest 36 months of historical net charge-off data for each loan class (commercial loans exclude balances with specific loan loss allocations).  The second calculation is qualitative and takes into consideration eight qualitative environmental factors:  levels and trends in delinquencies and impaired loans; levels of and trends in charge-offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards, and other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations.    A component of the qualitative calculation is the unallocated allowance for loan loss.  The qualitative and quantitative calculations are added together to determine the general loan loss allocation.  The specific loan loss allocation relates to individual commercial loans that are both greater than $0.5 million and in a nonaccruing status with respect to interest.  Specific loan losses are based on discounted estimated cash flows, including any cash flows resulting from the conversion of collateral or collateral shortfalls.  The allowance levels computed from the specific and general loan loss allocation methods are combined with unallocated allowances and allowances needed for acquired loans to derive the total required allowance for loan losses to be reflected on the Consolidated Statement of Condition.
	Loan losses are charged off against the allowance, while recoveries of amounts previously charged off are credited to the allowance.  A provision for loan losses is charged to operations based on management’s periodic evaluation of factors previously mentioned.
Investment Securities	'
	Investment Securities
	The Company has classified its investments in debt and equity securities as held-to-maturity or available-for-sale.  Held-to-maturity securities are those for which the Company has the positive intent and ability to hold until maturity, and are reported at cost, which is adjusted for amortization of premiums and accretion of discounts.  During December 2013 the Company reclassified its held-to-maturity portfolio to available-for-sale and the Company will not be able to use the held-to-maturity classification for the foreseeable future.  Securities classified as available-for-sale are reported at fair value with net unrealized gains and losses reflected as a separate component of shareholders' equity, net of applicable income taxes.  None of the Company's investment securities have been classified as trading securities at March 31, 2014.  Certain equity securities are stated at cost and include restricted stock of the Federal Reserve Bank of New York (“Federal Reserve”) and Federal Home Loan Bank of New York (“FHLB”).
	Fair values for investment securities are based upon quoted market prices, where available.  If quoted market prices are not available, fair values are based upon quoted market prices of comparable instruments, or a discounted cash flow model using market estimates of interest rates and volatility.
	The Company conducts an assessment of all securities in an unrealized loss position to determine if other-than-temporary impairment (“OTTI”) exists on a quarterly basis. An unrealized loss exists when the current fair value of an individual security is less than its amortized cost basis.  The OTTI assessment considers the security structure, recent security collateral performance metrics, if applicable, external credit ratings, failure of the issuer to make scheduled interest or principal payments, judgment about and expectations of future performance, and relevant independent industry research, analysis and forecasts. The severity of the impairment and the length of time the security has been impaired is also considered in the assessment.  The assessment of whether an OTTI decline exists is performed on each security, regardless of the classification of the security as available-for-sale or held-to-maturity and involves a high degree of subjectivity and judgment that is based on the information available to management at a point in time.
	An OTTI loss must be recognized for a debt security in an unrealized loss position if there is intent to sell the security or it is more likely than not the Company will be required to sell the security prior to recovery of its amortized cost basis. In this situation, the amount of loss recognized in income is equal to the difference between the fair value and the amortized cost basis of the security. Even if management does not have the intent, and it is not more likely than not that the Company will be required to sell the securities, an evaluation of the expected cash flows to be received is performed to determine if a credit loss has occurred. For debt securities, a critical component of the evaluation for OTTI is the identification of credit-impaired securities, where the Company does not expect to receive cash flows sufficient to recover the entire amortized cost basis of the security.  In the event of a credit loss, only the amount of impairment associated with the credit loss would be recognized in income. The portion of the unrealized loss relating to other factors, such as liquidity conditions in the market or changes in market interest rates, is recorded in accumulated other comprehensive loss.
	Equity securities are also evaluated to determine whether the unrealized loss is expected to be recoverable based on whether evidence exists to support a realizable value equal to or greater than the amortized cost basis. If it is probable that the amortized cost basis will not be recovered, taking into consideration the estimated recovery period and the ability to hold the equity security until recovery, OTTI is recognized in earnings equal to the difference between the fair value and the amortized cost basis of the security.
	The specific identification method is used in determining the realized gains and losses on sales of investment securities and OTTI charges.  Premiums and discounts on securities are amortized and accreted, respectively, on the interest method basis over the period to maturity or estimated life of the related security.  Purchases and sales of securities are recognized on a trade date basis.
Intangible Assets	'
	Intangible Assets
	Intangible assets include core deposit intangibles, customer relationship intangibles and goodwill arising from acquisitions. Core deposit intangibles and customer relationship intangibles are amortized on either an accelerated or straight-line basis over periods ranging from seven to 20 years. The initial and ongoing carrying value of goodwill and other intangible assets is based upon discounted cash flow modeling techniques that require management to make estimates regarding the amount and timing of expected future cash flows.  It also requires use of a discount rate that reflects the current return requirements of the market in relation to present risk-free interest rates, required equity market premiums, peer volatility indicators, and company-specific risk indicators.
	The Company evaluates goodwill for impairment on an annual basis, or more often if events or circumstances indicate there may be impairment.  The implied fair value of a reporting unit’s goodwill is compared to its carrying amount and the impairment loss is measured by the excess of the carrying value over fair value.  The fair value of each reporting unit is compared to the carrying amount of that reporting unit in order to determine if impairment is indicated.
Retirement Benefits	'
	Retirement Benefits
	The Company provides defined benefit pension benefits to eligible employees and post-retirement health and life insurance benefits to certain eligible retirees.  The Company also provides deferred compensation and supplemental executive retirement plans for selected current and former employees, officers, and directors.  Expense under these plans is charged to current operations and consists of several components of net periodic benefit cost based on various actuarial assumptions regarding future experience under the plans, including discount rate, rate of future compensation increases and expected return on plan assets.
New Accounting Pronouncements	'
	New Accounting Pronouncements
	In January 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2014-04, Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40):  Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure.  This new guidance clarifies when an in substance repossession or foreclosure occurs, and requires all creditors who obtain physical possession (resulting from an in substance repossession or foreclosure) of residential real estate property collateralizing a consumer mortgage loan in satisfaction of a receivable to reclassify the collateralized mortgage loan such that the loan should be derecognized and the collateral asset recognized. This guidance is effective prospectively for the Company for annual and interim periods beginning after December 15, 2014.  The adoption of this guidance is not expected to have a material impact on the Company’s consolidated financial statements.

ACQUISITIONS_Tables

ACQUISITIONS (Tables)	3 Months Ended
	Mar. 31, 2014
ACQUISITIONS [Abstract]	'
Estimated fair value of assets acquired and liabilities assumed	'
	The following table summarizes the estimated fair value of the assets acquired and liabilities assumed during 2013 and the first three months of 2014.
	(000s omitted)	2014	2013
	Consideration paid/(received):
	Cash/Total net consideration paid/(received)	$924	($291,980)
	Recognized amounts of identifiable assets acquired and
	liabilities assumed:
	Loans	0	1,106
	Premises and equipment	0	2,549
	Accrued interest receivable	0	5
	Other assets and liabilities, net	163	(18)
	Other intangibles	578	9
	Core deposit intangibles	0	2,537
	Deposits	0	-303,456
	Total identifiable assets/( liabilities), net	741	(297,268)
	Goodwill	$183	$5,288

INVESTMENT_SECURITIES_Tables

INVESTMENT SECURITIES (Tables)	3 Months Ended
	Mar. 31, 2014
INVESTMENT SECURITIES [Abstract]	'
Amortized cost and estimated fair value of investment securities	'
	The amortized cost and estimated fair value of investment securities as of March 31, 2014 and December 31, 2013 are as follows:
		31-Mar-14				31-Dec-13
			Gross	Gross			Gross	Gross
		Amortized	Unrealized	Unrealized	Fair		Unrealized	Unrealized	Fair
	(000's omitted)	Cost	Gains	Losses	Value	Cost	Gains	Losses	Value
	Available-for-Sale Portfolio:
	U.S. Treasury and agency securities	$1,479,306	$7,582	$20,157	$1,466,731	$1,252,332	$1,119	$41,304	$1,212,147
	Obligations of state and political subdivisions	684,713	19,984	5,571	699,126	665,441	15,919	12,378	668,982
	Government agency mortgage-backed securities	248,785	9,086	3,021	254,850	250,431	8,660	4,113	254,978
	Corporate debt securities	26,899	794	136	27,557	26,932	873	218	27,587
	Government agency collateralized mortgage obligations	20,777	812	0	21,589	21,779	362	93	22,048
	Marketable equity securities	250	183	0	433	250	171	0	421
	Total available-for-sale portfolio	$2,460,730	$38,441	$28,885	$2,470,286	$2,217,165	$27,104	$58,106	$2,186,163
	Other Securities:
	Federal Reserve Bank common stock	$16,050			$16,050	$16,050			$16,050
	Federal Home Loan Bank common stock	15,436			15,436	12,053			12,053
	Other equity securities	4,449			4,449	4,459			4,459
	Total other securities	$35,935			$35,935	$32,562			$32,562
Summary of investment securities that have been in a continuous unrealized loss position for less than or greater than twelve months	'
	A summary of investment securities that have been in a continuous unrealized loss position for less than, or greater than, twelve months is as follows:
	As of March 31, 2014
				Less than 12 Months		12 Months or Longer				Total
					Gross			Gross				Gross
				Fair	Unrealized		Fair	Unrealized			Fair	Unrealized
	(000's omitted)		#	Value	Losses	#	Value	Losses		#	Value	Losses
	Available-for-Sale Portfolio:
	U.S. Treasury and agency obligations		34	$840,063	$20,157	0	$0	$0		34	$840,063	$20,157
	Obligations of state and political subdivisions		211	139,641	4,355	31	15,923	1,216		242	155,564	5,571
	Government agency mortgage-backed securities		38	65,142	2,250	8	9,981	771		46	75,123	3,021
	Corporate debt securities		0	0	0	1	2,737	136		1	2,737	136
	Government agency collateralized mortgage obligations		0	0	0	1	6	0		1	6	0
	Total available-for-sale/investment portfolio		283	$1,044,846	$26,762	41	$28,647	$2,123		324	$1,073,493	$28,885
	As of December 31, 2013
			Less than 12 Months			12 Months or Longer				Total
					Gross			Gross				Gross
				Fair	Unrealized		Fair	Unrealized			Fair	Unrealized
	(000's omitted)		#	Value	Losses	#	Value	Losses		#	Value	Losses
	Available-for-Sale Portfolio:
	U.S. Treasury and agency obligations		43	$1,181,214	$41,304	0	$0	$0		43	$1,181,214	$41,304
	Obligations of state and political subdivisions		302	195,526	11,774	9	4,974	604		311	200,500	12,378
	Government agency mortgage-backed securities		43	68,917	3,262	6	8,713	851		49	77,630	4,113
	Corporate debt securities		1	3,026	31	1	2,703	187		2	5,729	218
	Government agency collateralized mortgage obligations		1	2,601	93	1	7	0		2	2,608	93
	Total available-for-sale/investment portfolio		390	$1,451,284	$56,464	17	$16,397	$1,642		407	$1,467,681	$58,106
Amortized cost and estimated fair value of debt securities by contractual maturity	'
	The amortized cost and estimated fair value of debt securities at March 31, 2014, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.  Securities not due at a single maturity date are shown separately.
			Available-for-Sale
			Amortized	Fair
	(000's omitted)		Cost	Value
	Due in one year or less		$61,273	$62,343
	Due after one through five years		164,805	169,923
	Due after five years through ten years		1,677,793	1,670,155
	Due after ten years		287,047	290,993
	Subtotal		2,190,918	2,193,414
	Government agency mortgage-backed securities		248,785	254,850
	Government agency collateralized mortgage obligations		20,777	21,589
	Total		$2,460,480	$2,469,853

LOANS_Tables

LOANS (Tables)	3 Months Ended
	Mar. 31, 2014
LOANS [Abstract]	'
Schedule of Loans Receivable, Net	'
	The balances of these classes are summarized as follows:
		March 31,	December 31,
	(000's omitted)	2014	2013
	Consumer mortgage	$1,579,322	$1,582,058
	Business lending	1,246,070	1,260,364
	Consumer indirect	755,849	740,002
	Consumer direct	174,357	180,139
	Home equity	340,760	346,520
	Gross loans, including deferred origination costs	4,096,358	4,109,083
	Allowance for loan losses	(44,197)	-44,319
	Loans, net of allowance for loan losses	$4,052,161	$4,064,764
Schedule of Accretable Discount Related to Credit Impaired Acquired Loans	'
	The changes in the accretable discount related to the credit impaired acquired loans are as follows:
	(000’s omitted)
	Balance at December 31, 2013	$997
	Accretion recognized, year-to-date	-203
	Net reclassification to accretable from nonaccretable	90
	Balance at March 31, 2014	$884
Aged Analysis of the Company's Past Due Loans by Class	'
	The following is an aged analysis of the Company’s past due loans, by class as of March 31, 2014:
	Legacy Loans (excludes loans acquired after January 1, 2009)
		Past Due	90+ Days Past
		30 – 89	Due and		Total
	(000’s omitted)	Days	Still Accruing	Nonaccrual	Past Due	Current	Total Loans
	Consumer mortgage	$8,924	$953	$12,605	$22,482	$1,479,605	$1,502,087
	Business lending	5,440	54	3,119	8,613	1,070,832	1,079,445
	Consumer indirect	7,550	680	13	8,243	744,818	753,061
	Consumer direct	1,196	53	3	1,252	165,332	166,584
	Home equity	1,359	86	2,015	3,460	269,469	272,929
	Total	$24,469	$1,826	$17,755	$44,050	$3,730,056	$3,774,106
	Acquired Loans (includes loans acquired after January 1, 2009)
		Past Due	90+ Days Past
		30 – 89	Due and		Total	Acquired
	(000’s omitted)	Days	Still Accruing	Nonaccrual	Past Due	Impaired(1)	Current	Total Loans
	Consumer mortgage	$891	$143	$1,828	$2,862	$0	$74,373	$77,235
	Business lending	1,278	0	1,618	2,896	6,143	157,586	166,625
	Consumer indirect	130	2	0	132	0	2,656	2,788
	Consumer direct	283	6	0	289	0	7,484	7,773
	Home equity	539	0	468	1,007	0	66,824	67,831
	Total	$3,121	$151	$3,914	$7,186	$6,143	$308,923	$322,252
	(1)	Acquired impaired loans were not classified as nonperforming assets as the loans are considered to be performing under ASC 310-30.  As a result interest income, through the accretion of the difference between the carrying amount of the loans and the expected cashflows, is being recognized on all acquired impaired loans.
	The following is an aged analysis of the Company’s past due loans by class as of December 31, 2013:
	Legacy Loans (excludes loans acquired after January 1, 2009)
		Past Due	90+ Days Past
		30 – 89	Due and		Total
	(000’s omitted)	Days	Still Accruing	Nonaccrual	Past Due	Current	Total Loans
	Consumer mortgage	$16,589	$1,253	$11,097	$28,939	$1,473,320	$1,502,259
	Business lending	2,960	164	3,083	6,207	1,079,818	1,086,025
	Consumer indirect	11,647	738	14	12,399	723,878	736,277
	Consumer direct	1,858	90	4	1,952	169,452	171,404
	Home equity	2,635	173	1,867	4,675	271,235	275,910
	Total	$35,689	$2,418	$16,065	$54,172	$3,717,703	$3,771,875
	Acquired Loans (includes loans acquired after January 1, 2009)
		Past Due	90+ Days Past
		30 – 89	Due and		Total	Acquired
	(000’s omitted)	Days	Still Accruing	Nonaccrual	Past Due	Impaired(1)	Current	Total Loans
	Consumer mortgage	$1,857	$85	$1,463	$3,405	$0	$76,394	$79,799
	Business lending	531	0	1,472	2,003	7,090	165,246	174,339
	Consumer indirect	157	17	0	174	0	3,551	3,725
	Consumer direct	385	27	0	412	0	8,323	8,735
	Home equity	592	8	473	1,073	0	69,537	70,610
	Total	$3,522	$137	$3,408	$7,067	$7,090	$323,051	$337,208
	(1)	Acquired impaired loans were not classified as nonperforming assets as the loans are considered to be performing under ASC 310-30.  As a result interest income, through the accretion of the difference between the carrying amount of the loans and the expected cashflows, is being recognized on all acquired impaired loans.
Schedule of Business Lending Loans by Credit Quality Category	'
	The following table shows the amount of business lending loans by credit quality category:
		31-Mar-14				31-Dec-13
	(000’s omitted)	Legacy	Acquired	Total		Legacy	Acquired	Total
	Pass	$900,083	$109,175	$1,009,258		$908,885	$116,271	$1,025,156
	Special mention	98,874	24,672	123,546		93,600	24,264	117,864
	Classified	80,362	26,635	106,997		83,379	26,714	110,093
	Doubtful	126	0	126		161	0	161
	Acquired impaired	0	6,143	6,143		0	7,090	7,090
	Total	$1,079,445	$166,625	$1,246,070		$1,086,025	$174,339	$1,260,364
Schedule of Loans by Credit Quality Indicator	'
	The following table details the balances in all other loan categories at March 31, 2014:
	Legacy loans (excludes loans acquired after January 1, 2009)
		Consumer	Consumer	Consumer	Home
	(000’s omitted)	Mortgage	Indirect	Direct	Equity	Total
	Performing	$1,488,529	752,368	166,528	270,828	$2,678,253
	Nonperforming	13,558	693	56	2,101	16,408
	Total	$1,502,087	$753,061	$166,584	$272,929	$2,694,661
	Acquired loans (includes loans acquired after January 1, 2009)
		Consumer	Consumer	Consumer	Home
	(000’s omitted)	Mortgage	Indirect	Direct	Equity	Total
	Performing	$75,264	2,786	7,767	67,363	$153,180
	Nonperforming	1,971	2	6	468	2,447
	Total	$77,235	$2,788	$7,773	$67,831	$155,627
	The following table details the balances in all other loan categories at December 31, 2013:
	Legacy loans (excludes loans acquired after January 1, 2009)
		Consumer	Consumer	Consumer	Home
	(000’s omitted)	Mortgage	Indirect	Direct	Equity	Total
	Performing	$1,489,909	$735,525	$171,310	$273,870	$2,670,614
	Nonperforming	12,350	752	94	2,040	15,236
	Total	$1,502,259	$736,277	$171,404	$275,910	$2,685,850
	Acquired loans (includes loans acquired after January 1, 2009)
		Consumer	Consumer	Consumer	Home
	(000’s omitted)	Mortgage	Indirect	Direct	Equity	Total
	Performing	$78,251	$3,708	$8,708	$70,129	$160,796
	Nonperforming	1,548	17	27	481	2,073
	Total	$79,799	$3,725	$8,735	$70,610	$162,869
Summary of Non-business Impaired Loans	'
	A summary of individually evaluated impaired loans as of March 31, 2014 and December 31, 2013 follows:
		March 31,	December 31,
	(000’s omitted)	2014	2013
	Loans with allowance allocation	$1,543	$945
	Loans without allowance allocation	0	600
	Carrying balance	1,543	1,545
	Contractual balance	1,851	1,852
	Specifically allocated allowance	176	50
Troubled debt restructurings on financing receivables	'
	Information regarding troubled debt restructurings as of March 31, 2014 and December 31, 2013 is as follows:
		31-Mar-14							31-Dec-13
	(000’s omitted)	Nonaccrual		Accruing		Total			Nonaccrual		Accruing		Total
		#	Amount	#	Amount	#	Amount		#	Amount	#	Amount	#	Amount
	Consumer mortgage	37	$1,918	43	$1,878	80	$3,796		31	$1,682	48	$2,171	79	$3,853
	Business lending	5	300	1	46	6	346		4	162	1	47	5	209
	Consumer indirect	0	0	91	651	91	651		0	0	98	692	98	692
	Consumer direct	0	0	42	113	42	113		0	0	46	116	46	116
	Home equity	10	226	16	316	26	542		12	202	20	363	32	565
	Total	52	$2,444	193	$3,004	245	$5,448		47	$2,046	213	$3,389	260	$5,435
	The following table presents information related to loans modified in a TDR during the three months ended March 31, 2014 and 2013.  Of the loans noted in the table below, all but two loans for the three months ended March 31, 2014, and no loans for the three months ended March 31 2013, were modified due to a Chapter 7 bankruptcy as described previously.  The two exceptions were a business loan restructured via an extension of term and a consumer mortgage restructured via an extension of term and a rate concession.  The financial effects of these restructurings were immaterial.
		Three Month Ended March 31, 2014			Three Month Ended March 31, 2013
	(000’s omitted)	Number of loans	Outstanding		Number of loans	Outstanding
		modified	Balance		modified	Balance
	Consumer mortgage	11	$533		13	$1,002
	Business lending	4	192		3	72
	Consumer indirect	12	112		11	107
	Consumer direct	2	10		9	31
	Home equity	1	30		5	97
	Total	30	$877		41	$1,309
Schedule of Allowance for Loan Losses by Class	'
	The following presents by class the activity in the allowance for loan losses:
		Three Months Ended March 31, 2014
		Consumer	Business	Consumer	Consumer	Home		Acquired
	(000’s omitted)	Mortgage	Lending	Indirect	Direct	Equity	Unallocated	Impaired	Total
	Beginning balance	$8,994	$17,507	$10,248	$3,181	$1,830	$2,029	$530	$44,319
	Charge-offs	-167	-120	-1,427	-492	-129	0	-13	-2,348
	Recoveries	41	171	796	212	6	0	0	1,226
	Provision	413	-512	969	186	111	149	-316	1,000
	Ending balance	$9,281	$17,046	$10,586	$3,087	$1,818	$2,178	$201	$44,197
		Three Months Ended March 31, 2013
		Consumer	Business	Consumer	Consumer	Home		Acquired
	(000’s omitted)	Mortgage	Lending	Indirect	Direct	Equity	Unallocated	Impaired	Total
	Beginning balance	$7,070	$18,013	$9,606	$3,303	$1,451	$2,666	$779	$42,888
	Charge-offs	-371	-784	-891	-545	-185	0	0	-2,776
	Recoveries	6	142	958	298	4	0	0	1,408
	Provision	587	186	-225	28	413	261	143	1,393
	Ending balance	$7,292	$17,557	$9,448	$3,084	$1,683	$2,927	$922	$42,913

GOODWILL_AND_IDENTIFIABLE_INTA1

GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS (Tables)	3 Months Ended
	Mar. 31, 2014
GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS [Abstract]	'
Gross carrying amount and accumulated amortization of identifiable intangible assets	'
	The gross carrying amount and accumulated amortization for each type of identifiable intangible asset are as follows:
			31-Mar-14			31-Dec-13
			Gross		Net	Gross		Net
			Carrying	Accumulated	Carrying	Carrying	Accumulated	Carrying
	(000's omitted)		Amount	Amortization	Amount	Amount	Amortization	Amount
	Amortizing intangible assets:
	Core deposit intangibles		$40,326	($27,778)	$12,548	$40,326	($26,866)	$13,460
	Other intangibles		10,019	-7,622	2,397	9,441	-7,393	2,048
	Total amortizing intangibles		$50,345	($35,400)	$14,945	$49,767	($34,259)	$15,508
Estimated aggregate amortization expense	'
	The estimated aggregate amortization expense for each of the five succeeding fiscal years ended December 31 is as follows:
	Apr - Dec 2014	$3,146
	2015	3,408
	2016	2,612
	2017	1,908
	2018	1,424
	Thereafter	2,447
	Total	$14,945
Components of goodwill	'
	Shown below are the components of the Company’s goodwill at December 31, 2013 and March 31, 2014:
	(000’s omitted)	31-Dec-13	Activity	31-Mar-14
	Goodwill	$379,815	$183	$379,998
	Accumulated impairment	-4,824	0	-4,824
	Goodwill, net	$374,991	$183	$375,174

MANDATORILY_REDEEMABLE_PREFERR1

MANDATORILY REDEEMABLE PREFERRED SECURITIES (Tables)	3 Months Ended
	Mar. 31, 2014
MANDATORILY REDEEMABLE PREFERRED SECURITIES [Abstract]	'
Terms of preferred securities for each trust	'
	The terms of the preferred securities of each trust are as follows:
		Issuance	Par		Maturity
	Trust	Date	Amount	Interest Rate	Date	Call Price
	III	7/31/01	$24.5 million	3 month LIBOR plus 3.58% (3.82%)	7/31/31	Par
	IV	12/8/06	$75 million	3 month LIBOR plus 1.65% (1.88%)	12/15/36	Par

BENEFIT_PLANS_Tables

BENEFIT PLANS (Tables)	3 Months Ended
	Mar. 31, 2014
BENEFIT PLANS [Abstract]	'
Net periodic benefit cost	'
	The net periodic benefit cost for the three months ended March 31, 2014 and 2013 is as follows:
		Pension Benefits		Post-retirement Benefits
		Three Months Ended		Three Months Ended
		March 31,		March 31,
	(000's omitted)	2014	2013	2014	2013
	Service cost	$882	$985	$0	$0
	Interest cost	1,318	1,029	27	22
	Expected return on plan assets	-2,980	-2,451	0	0
	Amortization of unrecognized net loss	-77	1,007	0	3
	Amortization of prior service cost	1	14	-45	-45
	Net periodic benefit cost	($856)	$584	($18)	($20)

EARNINGS_PER_SHARE_Tables

EARNINGS PER SHARE (Tables)	3 Months Ended
	Mar. 31, 2014
EARNINGS PER SHARE [Abstract]	'
Reconciliation of basic to diluted earnings per share	'
	The following is a reconciliation of basic to diluted earnings per share for the three months ended March 31, 2014 and 2013.
		Three Months Ended
		March 31,
	(000's omitted, except per share data)	2014	2013
	Net income	$22,173	$20,241
	Income attributable to unvested stock-based compensation awards	-99	-79
	Income available to common shareholders	22,074	20,162
	Weighted-average common shares outstanding – basic	40,458	39,703
	Basic earnings per share	$0.55	$0.51
	Net income	$22,173	$20,241
	Income attributable to unvested stock-based compensation awards	-99	-79
	Income available to common shareholders	22,074	20,162
	Weighted-average common shares outstanding – basic	40,458	39,703
	Assumed exercise of stock options	512	463
	Weighted-average common shares outstanding – diluted	40,970	40,166
	Diluted earnings per share	$0.54	$0.50

COMMITMENTS_CONTINGENT_LIABILI1

COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)	3 Months Ended
	Mar. 31, 2014
COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS [Abstract]	'
Off-Balance-Sheet Financial instruments contract amount	'
	The contract amount of commitments and contingencies are as follows:
	(000's omitted)	March 31,	December 31,
		2014	2013
	Commitments to extend credit	$728,223	$704,904
	Standby letters of credit	24,333	24,449
	Total	$752,556	$729,353

FAIR_VALUE_Tables

FAIR VALUE (Tables)	3 Months Ended
	Mar. 31, 2014
FAIR VALUE [Abstract]	'
Summary of Fair Value Measured on a Recurring Basis	'
	The following tables set forth the Company’s financial assets and liabilities that were accounted for at fair value on a recurring basis.  There were no transfers between any of the levels for the periods presented.
			31-Mar-14
	(000's omitted)		Level 1				Level 2			Level 3		Total Fair Value
	Available-for-sale investment securities:
	U.S. Treasury and agency securities			$1,437,219				$29,512			$0		$1,466,731
	Obligations of state and political subdivisions			0				699,126			0		699,126
	Government agency mortgage-backed securities			0				254,850			0		254,850
	Corporate debt securities			0				27,557			0		27,557
	Government agency collateralized mortgage obligations			0				21,589			0		21,589
	Marketable equity securities			433				0			0		433
	Total available-for-sale investment securities			1,437,652				1,032,634			0		2,470,286
	Mortgage loans held for sale			0				802			0		802
	Commitments to originate real estate loans for sale			0				0			67		67
	Forward sales commitments			0				9			0		9
	Total			$1,437,652				$1,033,445			$67		$2,471,164
			31-Dec-13
	(000's omitted)		Level 1				Level 2			Level 3		Total Fair Value
	Available-for-sale investment securities:
	U.S. Treasury and agency securities			$1,182,261				$29,886			$0		$1,212,147
	Obligations of state and political subdivisions			0				668,982			0		668,982
	Government agency mortgage-backed securities			0				254,978			0		254,978
	Corporate debt securities			0				27,587			0		27,587
	Government agency collateralized mortgage obligations			0				22,048			0		22,048
	Marketable equity securities			421				0			0		421
	Total available-for-sale investment securities			1,182,682				1,003,481			0		2,186,163
	Mortgage loans held for sale			0				728			0		728
	Commitments to originate real estate loans for sale			0				0			44		44
	Forward sales commitments			0				27			0		27
	Total			$1,182,682				$1,004,236			$44		$2,186,962
Changes in Level 3 Assets Measured at Fair Value on a Recurring Basis	'
	The changes in Level 3 assets measured at fair value on a recurring basis are summarized in the following tables:
			Three Months Ended
			March 31,
			2014				2013
	(000's omitted)		Commitments				Pooled Trust
			to Originate				Preferred
			Real Estate				Securities
			Loans for Sale
	Beginning balance			$44				$49,600
	Total (losses)/gains included in earnings (1)(3)			(44	)			103
	Total gains included in other comprehensive income(2)			0				1,892
	Principal reductions			0				(4,109	)
	Commitments to originate real estate loans held for sale, net			67				0
	Ending balance			$67				$47,486
	(1) Amounts included in earnings associated with the pooled trust preferred securities relate to accretion of related discount, which are reported in interest and dividends on taxable investments.
	(2) Amounts included in other comprehensive income associated with the pooled trust preferred securities relate to changes in unrealized loss and are reported as a component of net unrealized gains/(losses) on available-for sale securities in the Statement of Comprehensive Income.
	(3) Amounts included in earnings associated with the commitments to originate real estate loans for sale are reported as a component of other banking services in the Consolidated Statement of Income.
Assets and Liabilities Measured on a Non-Recurring Basis	'
	Assets and liabilities measured on a non-recurring basis:
			31-Mar-14											31-Dec-13
	(000's omitted)		Level 1				Level 2			Level 3		Total Fair		Level 1		Level 2		Level 3		Total Fair
												Value								Value
	Impaired loans			$0				$0			$420		$420		$0		$600		$0		$600
	Other real estate owned			0				0			4,914		4,914		0		0		5,060		5,060
	Total			$0				$0			$5,334		$5,334		$0		$600		$5,060		$5,660
Significant Unobservable Inputs, Fair Value Valuation Techniques	'
	The significant unobservable inputs used in the determination of fair value of assets classified as Level 3 on a recurring or non-recurring basis as of March 31, 2014 are as follows:
	(000's omitted)	Fair Value at	Valuation Technique	Significant Unobservable Inputs	Significant
		31-Mar-14			Unobservable Input
					Range
					(Weighted Average)
	Impaired loans	$420	Fair Value of Collateral	Estimated cost of disposal/market adjustment	12.0%-50.0% (23.1%)
	Other real estate owned	4,914	Fair Value of Collateral	Estimated cost of disposal/market adjustment	4.6%-69.2% (25.7%)
	Commitments to originate real	67	Discounted cash flow	Embedded servicing value	1%
	estate loans for sale
	The significant unobservable inputs used in the determination of fair value of assets classified as Level 3 on a recurring or non-recurring basis as of December 31, 2013 are as follows:
	(000's omitted)	Fair Value at	Valuation Technique	Significant Unobservable Inputs	Significant
		31-Dec-13			Unobservable Input
					Range
					(Weighted Average)
	Other real estate owned	$5,060	Fair value of collateral	Estimated cost of disposal/market adjustment	11.0% - 54.4% (28.1%)
	Commitments to originate real	44	Discounted cash flow	Embedded servicing value	1%
	estate loans for sale
Carrying Amounts and Estimated Fair Values of Other Financial Instruments	'
	The carrying amounts and estimated fair values of the Company’s other financial instruments that are not accounted for at fair value at March 31, 2014 and December 31, 2013 are as follows:
			31-Mar-14			31-Dec-13
			Carrying	Fair		Carrying	Fair
	(000's omitted)		Value	Value		Value	Value
	Financial assets:
	Net loans		$4,052,161	$4,041,417		$4,064,764	$4,044,449
	Financial liabilities:
	Deposits		6,038,888	6,039,766		5,896,044	5,898,138
	Borrowings		217,110	217,110		141,913	141,913
	Subordinated debt held by unconsolidated subsidiary trusts		102,103	99,265		102,097	109,284

DERIVATIVE_INSTRUMENTS_Tables

DERIVATIVE INSTRUMENTS (Tables)	3 Months Ended
	Mar. 31, 2014
DERIVATIVE INSTRUMENTS [Abstract]	'
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 March 31, 2014:
	(000's omitted)		Location	Notional	Fair Value
	Derivatives not designated as hedging instruments:
	Forward sales commitments		Other assets	$3,874	$9
	Commitments to originate real estate loans for sale		Other assets	4,064	67
	Total derivatives				$76
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 months ended March 31, 2014:
	(000's omitted)	Location		Gain recognized in the Statement of
				Income for the Three Months Ending
				31-Mar-14
	Forward sales commitments	Mortgage banking and other services		($18)
	Commitments to originate real estate	Mortgage banking and other services		23
	loans for sale
	Total			$5

SEGMENT_INFORMATION_Tables

SEGMENT INFORMATION (Tables)	3 Months Ended
	Mar. 31, 2014
SEGMENT INFORMATION [Abstract]	'
Schedule of Segment Reporting Information by Segment	'
	Information about reportable segments and reconciliation of the information to the consolidated financial statements follows:
		Banking	Employee	Wealth	Eliminations	Consolidated
	(000's omitted)		Benefit Services	Management		Total
	Three Months Ended March 31, 2014
	Net interest income	$60,063	$23	$22	$0	$60,108
	Provision for loan losses	1,000	0	0	0	1,000
	Noninterest income	13,444	10,721	4,663	-474	28,354
	Amortization of intangible assets	912	172	57	0	1,141
	Other operating expenses	43,711	8,297	3,246	-474	54,780
	Income before income taxes	$27,884	$2,275	$1,382	$0	$31,541
	Assets	$7,370,190	$30,719	$14,383	($18,064)	$7,397,228
	Goodwill	$364,495	$8,019	$2,660	$0	$375,174
	Three Months Ended March 31, 2013
	Net interest income	$58,374	$31	$20	$0	$58,425
	Provision for loan losses	1,393	0	0	0	1,393
	Noninterest income	12,641	10,026	3,893	-451	26,109
	Amortization of intangible assets	937	176	66	0	1,179
	Other operating expenses	43,231	7,614	2,979	-451	53,373
	Income before income taxes	$25,454	$2,267	$868	$0	$28,589
	Assets	$7,196,264	$32,091	$13,044	($20,326)	$7,221,073
	Goodwill	$359,207	$7,836	$2,660	$0	$369,703

ACQUISITIONS_Details

ACQUISITIONS (Details) (USD $)	3 Months Ended			3 Months Ended		3 Months Ended	12 Months Ended
	Mar. 31, 2014	Dec. 31, 2013	Mar. 31, 2013	Mar. 31, 2014	Dec. 13, 2013	Mar. 31, 2014	Dec. 31, 2013
				Core Deposits [Member]	Bank of America Agreement [Member]	HSBC and First Niagara [Member]	HSBC and First Niagara [Member]
					Branch
Business Acquisition [Line Items]	'	'	'	'	'	'	'
Number of new branch locations included in acquisition or purchase agreement	'	'	'	'	8	'	'
Loans acquired	'	'	'	'	$1,000,000	'	'
Deposits acquired	'	'	'	'	303,000,000	'	'
Blended deposit premium (in hundredths)	'	'	'	'	2.40%	'	'
Total deposit premium paid	'	'	'	'	7,300,000	'	'
Consideration paid/(received): [Abstract]	'	'	'	'	'	'	'
Cash/Total net consideration paid/(received)	'	'	'	'	'	924,000	-291,980,000
Recognized amounts of identifiable assets acquired and liabilities assumed [Abstract]	'	'	'	'	'	'	'
Loans	'	'	'	'	'	0	1,106,000
Premises and equipment	'	'	'	'	'	0	2,549,000
Accrued interest receivable	'	'	'	'	'	0	5,000
Other assets and liabilities, net	'	'	'	'	'	163,000	-18,000
Other intangibles	'	'	'	'	'	578,000	9,000
Core deposit intangibles	'	'	'	'	'	0	2,537,000
Deposits	'	'	'	'	'	0	-303,456,000
Total identifiable assets/(liabilities), net	'	'	'	'	'	741,000	-297,268,000
Goodwill	375,174,000	374,991,000	369,703,000	'	'	183,000	5,288,000
Merger and acquisition - integration related expenses	$100,000	'	'	'	'	'	'
Finite-Lived Intangible Assets [Line Items]	'	'	'	'	'	'	'
Estimated useful life of core deposit intangible and other intangible	'	'	'	'8 years	'	'	'

ACCOUNTING_POLICIES_Details

ACCOUNTING POLICIES (Details) (USD $)	3 Months Ended
In Millions, unless otherwise specified	Mar. 31, 2014
Allowance for Loan Losses [Abstract]	'
Threshold amount for specific loan losses of individual commercial loans	0.5
Core Deposits [Member]	'
Finite-Lived Intangible Assets [Line Items]	'
Intangible asset useful life (amortization period)	'8 years
Core Deposits [Member] | Minimum [Member]	'
Finite-Lived Intangible Assets [Line Items]	'
Intangible asset useful life (amortization period)	'7 years
Core Deposits [Member] | Maximum [Member]	'
Finite-Lived Intangible Assets [Line Items]	'
Intangible asset useful life (amortization period)	'20 years
Customer Relationships [Member] | Minimum [Member]	'
Finite-Lived Intangible Assets [Line Items]	'
Intangible asset useful life (amortization period)	'7 years
Customer Relationships [Member] | Maximum [Member]	'
Finite-Lived Intangible Assets [Line Items]	'
Intangible asset useful life (amortization period)	'12 years

INVESTMENT_SECURITIES_Details

INVESTMENT SECURITIES (Details) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
	Position	Position
Available-for-Sale Portfolio [Abstract]	'	'
Amortized cost	$2,460,730	$2,217,165
Gross unrealized gains	38,441	27,104
Gross unrealized losses	28,885	58,106
Total available-for-sale investment securities	2,470,286	2,186,163
Other Equity Securities [Abstract]	'	'
Amortized cost	35,935	32,562
Fair value	35,935	32,562
Available-for-Sale Securities in Unrealized Loss Positions, Number of Positions [Abstract]	'	'
Available-for-sale securities in unrealized loss positions less than 12 months qualitative disclosure, number of positions	283	390
Available-for-sale securities in unrealized loss positions for 12 months or longer, number of positions	41	17
Total available-for-sale securities in unrealized loss positions, number of positions	324	407
Available-for-Sale Securities, Debt Maturities, Fair Value [Abstract]	'	'
Available-for-sale securities, unrealized loss position, less than 12 months, fair value	1,044,846	1,451,284
Available-for-sale securities, unrealized loss position, 12 months or longer, fair value	28,647	16,397
Available-for-sale securities, unrealized loss position, fair value	1,073,493	1,467,681
Available-for-Sale Securities, Debt Maturities, Gross Unrealized Losses [Abstract]	'	'
Available-for-sale securities, unrealized loss position, less than 12 months, gross unrealized losses	26,762	56,464
Available-for-sale securities, unrealized loss position, 12 months or longer, gross unrealized losses	2,123	1,642
Available-for-sale securities, unrealized loss position, gross unrealized losses	28,885	58,106
Available-for-Sale Securities, Amortized Cost [Abstract]	'	'
Available-for-sale securities, amortized cost, due in one year or less	61,273	'
Available-for-sale securities, amortized cost, due in one to five years	164,805	'
Available-for-sale securities, amortized cost, due in five through ten years	1,677,793	'
Available-for-sale securities, amortized cost, due after ten years	287,047	'
Available-for-sale securities, amortized cost, with a single maturity date, subtotal	2,190,918	'
Available-for-sale government agency mortgage-backed securities, amortized cost, without a single maturity date	248,785	'
Available-for-sale government agency collateralized mortgage obligations, amortized cost, without a single maturity date	20,777	'
Available-for-sale securities, amortized cost	2,460,480	'
Available-for-Sale Securities, Fair Value [Abstract]	'	'
Available-for-sale securities, fair value, due in one year or less	62,343	'
Available-for-sale securities, fair value, due in one to five years	169,923	'
Available-for-sale securities, fair value, due in five through ten years	1,670,155	'
Available-for-sale securities, fair value, due after ten years	290,993	'
Available-for-sale securities, fair value, subtotal	2,193,414	'
Available-for-sale government agency mortgage-backed securities, fair value, without single maturity date	254,850	'
Available-for-sale government agency collateralized mortgage obligations, fair value, without single maturity date	21,589	'
Available-for-sale securities, fair value	2,469,853	'
U.S. Treasury and Agency Obligations [Member]	'	'
Available-for-Sale Portfolio [Abstract]	'	'
Amortized cost	1,479,306	1,252,332
Gross unrealized gains	7,582	1,119
Gross unrealized losses	20,157	41,304
Total available-for-sale investment securities	1,466,731	1,212,147
Available-for-Sale Securities in Unrealized Loss Positions, Number of Positions [Abstract]	'	'
Available-for-sale securities in unrealized loss positions less than 12 months qualitative disclosure, number of positions	34	43
Available-for-sale securities in unrealized loss positions for 12 months or longer, number of positions	0	0
Total available-for-sale securities in unrealized loss positions, number of positions	34	43
Available-for-Sale Securities, Debt Maturities, Fair Value [Abstract]	'	'
Available-for-sale securities, unrealized loss position, less than 12 months, fair value	840,063	1,181,214
Available-for-sale securities, unrealized loss position, 12 months or longer, fair value	0	0
Available-for-sale securities, unrealized loss position, fair value	840,063	1,181,214
Available-for-Sale Securities, Debt Maturities, Gross Unrealized Losses [Abstract]	'	'
Available-for-sale securities, unrealized loss position, less than 12 months, gross unrealized losses	20,157	41,304
Available-for-sale securities, unrealized loss position, 12 months or longer, gross unrealized losses	0	0
Available-for-sale securities, unrealized loss position, gross unrealized losses	20,157	41,304
Obligations of State and Political Subdivisions [Member]	'	'
Available-for-Sale Portfolio [Abstract]	'	'
Amortized cost	684,713	665,441
Gross unrealized gains	19,984	15,919
Gross unrealized losses	5,571	12,378
Total available-for-sale investment securities	699,126	668,982
Available-for-Sale Securities in Unrealized Loss Positions, Number of Positions [Abstract]	'	'
Available-for-sale securities in unrealized loss positions less than 12 months qualitative disclosure, number of positions	211	302
Available-for-sale securities in unrealized loss positions for 12 months or longer, number of positions	31	9
Total available-for-sale securities in unrealized loss positions, number of positions	242	311
Available-for-Sale Securities, Debt Maturities, Fair Value [Abstract]	'	'
Available-for-sale securities, unrealized loss position, less than 12 months, fair value	139,641	195,526
Available-for-sale securities, unrealized loss position, 12 months or longer, fair value	15,923	4,974
Available-for-sale securities, unrealized loss position, fair value	155,564	200,500
Available-for-Sale Securities, Debt Maturities, Gross Unrealized Losses [Abstract]	'	'
Available-for-sale securities, unrealized loss position, less than 12 months, gross unrealized losses	4,355	11,774
Available-for-sale securities, unrealized loss position, 12 months or longer, gross unrealized losses	1,216	604
Available-for-sale securities, unrealized loss position, gross unrealized losses	5,571	12,378
Government Agency Mortgage-Backed Securities [Member]	'	'
Available-for-Sale Portfolio [Abstract]	'	'
Amortized cost	248,785	250,431
Gross unrealized gains	9,086	8,660
Gross unrealized losses	3,021	4,113
Total available-for-sale investment securities	254,850	254,978
Available-for-Sale Securities in Unrealized Loss Positions, Number of Positions [Abstract]	'	'
Available-for-sale securities in unrealized loss positions less than 12 months qualitative disclosure, number of positions	38	43
Available-for-sale securities in unrealized loss positions for 12 months or longer, number of positions	8	6
Total available-for-sale securities in unrealized loss positions, number of positions	46	49
Available-for-Sale Securities, Debt Maturities, Fair Value [Abstract]	'	'
Available-for-sale securities, unrealized loss position, less than 12 months, fair value	65,142	68,917
Available-for-sale securities, unrealized loss position, 12 months or longer, fair value	9,981	8,713
Available-for-sale securities, unrealized loss position, fair value	75,123	77,630
Available-for-Sale Securities, Debt Maturities, Gross Unrealized Losses [Abstract]	'	'
Available-for-sale securities, unrealized loss position, less than 12 months, gross unrealized losses	2,250	3,262
Available-for-sale securities, unrealized loss position, 12 months or longer, gross unrealized losses	771	851
Available-for-sale securities, unrealized loss position, gross unrealized losses	3,021	4,113
Corporate Debt Securities [Member]	'	'
Available-for-Sale Portfolio [Abstract]	'	'
Amortized cost	26,899	26,932
Gross unrealized gains	794	873
Gross unrealized losses	136	218
Total available-for-sale investment securities	27,557	27,587
Available-for-Sale Securities in Unrealized Loss Positions, Number of Positions [Abstract]	'	'
Available-for-sale securities in unrealized loss positions less than 12 months qualitative disclosure, number of positions	0	1
Available-for-sale securities in unrealized loss positions for 12 months or longer, number of positions	1	1
Total available-for-sale securities in unrealized loss positions, number of positions	1	2
Available-for-Sale Securities, Debt Maturities, Fair Value [Abstract]	'	'
Available-for-sale securities, unrealized loss position, less than 12 months, fair value	0	3,026
Available-for-sale securities, unrealized loss position, 12 months or longer, fair value	2,737	2,703
Available-for-sale securities, unrealized loss position, fair value	2,737	5,729
Available-for-Sale Securities, Debt Maturities, Gross Unrealized Losses [Abstract]	'	'
Available-for-sale securities, unrealized loss position, less than 12 months, gross unrealized losses	0	31
Available-for-sale securities, unrealized loss position, 12 months or longer, gross unrealized losses	136	187
Available-for-sale securities, unrealized loss position, gross unrealized losses	136	218
Government Agency Collateralized Mortgage Obligations [Member]	'	'
Available-for-Sale Portfolio [Abstract]	'	'
Amortized cost	20,777	21,779
Gross unrealized gains	812	362
Gross unrealized losses	0	93
Total available-for-sale investment securities	21,589	22,048
Available-for-Sale Securities in Unrealized Loss Positions, Number of Positions [Abstract]	'	'
Available-for-sale securities in unrealized loss positions less than 12 months qualitative disclosure, number of positions	0	1
Available-for-sale securities in unrealized loss positions for 12 months or longer, number of positions	1	1
Total available-for-sale securities in unrealized loss positions, number of positions	1	2
Available-for-Sale Securities, Debt Maturities, Fair Value [Abstract]	'	'
Available-for-sale securities, unrealized loss position, less than 12 months, fair value	0	2,601
Available-for-sale securities, unrealized loss position, 12 months or longer, fair value	6	7
Available-for-sale securities, unrealized loss position, fair value	6	2,608
Available-for-Sale Securities, Debt Maturities, Gross Unrealized Losses [Abstract]	'	'
Available-for-sale securities, unrealized loss position, less than 12 months, gross unrealized losses	0	93
Available-for-sale securities, unrealized loss position, 12 months or longer, gross unrealized losses	0	0
Available-for-sale securities, unrealized loss position, gross unrealized losses	0	93
Marketable Equity Security [Member]	'	'
Available-for-Sale Portfolio [Abstract]	'	'
Amortized cost	250	250
Gross unrealized gains	183	171
Gross unrealized losses	0	0
Total available-for-sale investment securities	433	421
Federal Home Loan Bank Common Stock [Member]	'	'
Other Equity Securities [Abstract]	'	'
Amortized cost	15,436	12,053
Fair value	15,436	12,053
Federal Reserve Bank Common Stock [Member]	'	'
Other Equity Securities [Abstract]	'	'
Amortized cost	16,050	16,050
Fair value	16,050	16,050
Other Equity Securities [Member]	'	'
Other Equity Securities [Abstract]	'	'
Amortized cost	4,449	4,459
Fair value	$4,449	$4,459

LOANS_Loan_Summary_Details

LOANS, Loan Summary (Details) (USD $)	3 Months Ended
	Mar. 31, 2014	Dec. 31, 2013	Mar. 31, 2013	Dec. 31, 2012
Loans receivable, net [Abstract]	'	'	'	'
Typical contract term of consumer mortgages, minimum	'15 years	'	'	'
Typical contract term of consumer mortgages, maximum	'30 years	'	'	'
Typical contract term of home equity loans, maximum	'30 years	'	'	'
Gross loans, including deferred origination costs	$4,096,358,000	$4,109,083,000	'	'
Allowance for loan losses	-44,197,000	-44,319,000	-42,913,000	-42,888,000
Net loans	4,052,161,000	4,064,764,000	'	'
Credit impaired acquired loans, outstanding balance	14,200,000	15,500,000	'	'
Accretable discount related to credit impaired acquired loans [Roll forward]	'	'	'	'
Beginning Balance	997,000	'	'	'
Accretion recognized, year-to-date	-203,000	'	'	'
Net reclassification to accretable from nonaccretable	90,000	'	'	'
Ending Balance	884,000	'	'	'
Consumer Mortgage [Member]	'	'	'	'
Loans receivable, net [Abstract]	'	'	'	'
Gross loans, including deferred origination costs	1,579,322,000	1,582,058,000	'	'
Business Lending [Member]	'	'	'	'
Loans receivable, net [Abstract]	'	'	'	'
Gross loans, including deferred origination costs	1,246,070,000	1,260,364,000	'	'
Consumer Indirect [Member]	'	'	'	'
Loans receivable, net [Abstract]	'	'	'	'
Gross loans, including deferred origination costs	755,849,000	740,002,000	'	'
Consumer Direct [Member]	'	'	'	'
Loans receivable, net [Abstract]	'	'	'	'
Gross loans, including deferred origination costs	174,357,000	180,139,000	'	'
Home Equity [Member]	'	'	'	'
Loans receivable, net [Abstract]	'	'	'	'
Gross loans, including deferred origination costs	$340,760,000	$346,520,000	'	'

LOANS_Credit_Quality_By_Past_D

LOANS, Credit Quality By Past Due Status (Details) (USD $)	Mar. 31, 2014		Dec. 31, 2013
In Thousands, unless otherwise specified
Aged analysis of the company's loans [Abstract]	'		'
Total Loans	$4,096,358		$4,109,083
Legacy Loan [Member]	'		'
Aged analysis of the company's loans [Abstract]	'		'
Past Due 30 - 89 Days	24,469		35,689
90 + Days Past Due and Still Accruing	1,826		2,418
Nonaccrual	17,755		16,065
Total Past Due	44,050		54,172
Current	3,730,056		3,717,703
Total Loans	3,774,106		3,771,875
Acquired Loans [Member]	'		'
Aged analysis of the company's loans [Abstract]	'		'
Past Due 30 - 89 Days	3,121		3,522
90 + Days Past Due and Still Accruing	151		137
Nonaccrual	3,914		3,408
Total Past Due	7,186		7,067
Acquired Impaired	6,143	[1]	7,090	[1]
Current	308,923		323,051
Total Loans	322,252		337,208
Consumer Mortgage [Member] | Legacy Loan [Member]	'		'
Aged analysis of the company's loans [Abstract]	'		'
Past Due 30 - 89 Days	8,924		16,589
90 + Days Past Due and Still Accruing	953		1,253
Nonaccrual	12,605		11,097
Total Past Due	22,482		28,939
Current	1,479,605		1,473,320
Total Loans	1,502,087		1,502,259
Consumer Mortgage [Member] | Acquired Loans [Member]	'		'
Aged analysis of the company's loans [Abstract]	'		'
Past Due 30 - 89 Days	891		1,857
90 + Days Past Due and Still Accruing	143		85
Nonaccrual	1,828		1,463
Total Past Due	2,862		3,405
Acquired Impaired	0	[1]	0	[1]
Current	74,373		76,394
Total Loans	77,235		79,799
Business Lending [Member] | Legacy Loan [Member]	'		'
Aged analysis of the company's loans [Abstract]	'		'
Past Due 30 - 89 Days	5,440		2,960
90 + Days Past Due and Still Accruing	54		164
Nonaccrual	3,119		3,083
Total Past Due	8,613		6,207
Current	1,070,832		1,079,818
Total Loans	1,079,445		1,086,025
Business Lending [Member] | Acquired Loans [Member]	'		'
Aged analysis of the company's loans [Abstract]	'		'
Past Due 30 - 89 Days	1,278		531
90 + Days Past Due and Still Accruing	0		0
Nonaccrual	1,618		1,472
Total Past Due	2,896		2,003
Acquired Impaired	6,143	[1]	7,090	[1]
Current	157,586		165,246
Total Loans	166,625		174,339
Consumer Indirect [Member] | Legacy Loan [Member]	'		'
Aged analysis of the company's loans [Abstract]	'		'
Past Due 30 - 89 Days	7,550		11,647
90 + Days Past Due and Still Accruing	680		738
Nonaccrual	13		14
Total Past Due	8,243		12,399
Current	744,818		723,878
Total Loans	753,061		736,277
Consumer Indirect [Member] | Acquired Loans [Member]	'		'
Aged analysis of the company's loans [Abstract]	'		'
Past Due 30 - 89 Days	130		157
90 + Days Past Due and Still Accruing	2		17
Nonaccrual	0		0
Total Past Due	132		174
Acquired Impaired	0	[1]	0	[1]
Current	2,656		3,551
Total Loans	2,788		3,725
Consumer Direct [Member] | Legacy Loan [Member]	'		'
Aged analysis of the company's loans [Abstract]	'		'
Past Due 30 - 89 Days	1,196		1,858
90 + Days Past Due and Still Accruing	53		90
Nonaccrual	3		4
Total Past Due	1,252		1,952
Current	165,332		169,452
Total Loans	166,584		171,404
Consumer Direct [Member] | Acquired Loans [Member]	'		'
Aged analysis of the company's loans [Abstract]	'		'
Past Due 30 - 89 Days	283		385
90 + Days Past Due and Still Accruing	6		27
Nonaccrual	0		0
Total Past Due	289		412
Acquired Impaired	0	[1]	0	[1]
Current	7,484		8,323
Total Loans	7,773		8,735
Home Equity [Member] | Legacy Loan [Member]	'		'
Aged analysis of the company's loans [Abstract]	'		'
Past Due 30 - 89 Days	1,359		2,635
90 + Days Past Due and Still Accruing	86		173
Nonaccrual	2,015		1,867
Total Past Due	3,460		4,675
Current	269,469		271,235
Total Loans	272,929		275,910
Home Equity [Member] | Acquired Loans [Member]	'		'
Aged analysis of the company's loans [Abstract]	'		'
Past Due 30 - 89 Days	539		592
90 + Days Past Due and Still Accruing	0		8
Nonaccrual	468		473
Total Past Due	1,007		1,073
Acquired Impaired	0	[1]	0	[1]
Current	66,824		69,537
Total Loans	$67,831		$70,610
[1]	Acquired impaired loans were not classified as nonperforming assets as the loans are considered to be performingunder ASC 310-30. As a result interest income, through the accretion of the difference between the carryingamount of the loans and the expected cashflows, is being recognized on acquired impaired loans.

LOANS_Amount_of_Business_Lendi

LOANS, Amount of Business Lending Loans by Credit Quality Category (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	$4,096,358	$4,109,083
Business Lending [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	1,246,070	1,260,364
Legacy Loan [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	3,774,106	3,771,875
Legacy Loan [Member] | Business Lending [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	1,079,445	1,086,025
Legacy Loan [Member] | All Other Loan [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	2,694,661	2,685,850
Acquired Loans [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	322,252	337,208
Acquired Loans [Member] | Business Lending [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	166,625	174,339
Acquired Loans [Member] | All Other Loan [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	155,627	162,869
Pass [Member] | Business Lending [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	1,009,258	1,025,156
Pass [Member] | Legacy Loan [Member] | Business Lending [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	900,083	908,885
Pass [Member] | Acquired Loans [Member] | Business Lending [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	109,175	116,271
Special Mention [Member] | Business Lending [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	123,546	117,864
Special Mention [Member] | Legacy Loan [Member] | Business Lending [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	98,874	93,600
Special Mention [Member] | Acquired Loans [Member] | Business Lending [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	24,672	24,264
Classified [Member] | Business Lending [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	106,997	110,093
Classified [Member] | Legacy Loan [Member] | Business Lending [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	80,362	83,379
Classified [Member] | Acquired Loans [Member] | Business Lending [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	26,635	26,714
Doubtful [Member] | Business Lending [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	126	161
Doubtful [Member] | Legacy Loan [Member] | Business Lending [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	126	161
Doubtful [Member] | Acquired Loans [Member] | Business Lending [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	0	0
Acquired Impaired [Member] | Business Lending [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	6,143	7,090
Acquired Impaired [Member] | Legacy Loan [Member] | Business Lending [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	0	0
Acquired Impaired [Member] | Acquired Loans [Member] | Business Lending [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	6,143	7,090
Performing [Member] | Legacy Loan [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	2,678,253	2,670,614
Performing [Member] | Acquired Loans [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	153,180	160,796
Nonperforming [Member] | Legacy Loan [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	16,408	15,236
Nonperforming [Member] | Acquired Loans [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	2,447	2,073
Consumer Mortgage [Member] | Legacy Loan [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	1,502,087	1,502,259
Consumer Mortgage [Member] | Acquired Loans [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	77,235	79,799
Consumer Mortgage [Member] | Performing [Member] | Legacy Loan [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	1,488,529	1,489,909
Consumer Mortgage [Member] | Performing [Member] | Acquired Loans [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	75,264	78,251
Consumer Mortgage [Member] | Nonperforming [Member] | Legacy Loan [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	13,558	12,350
Consumer Mortgage [Member] | Nonperforming [Member] | Acquired Loans [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	1,971	1,548
Consumer Indirect [Member] | Legacy Loan [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	753,061	736,277
Consumer Indirect [Member] | Acquired Loans [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	2,788	3,725
Consumer Indirect [Member] | Performing [Member] | Legacy Loan [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	752,368	735,525
Consumer Indirect [Member] | Performing [Member] | Acquired Loans [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	2,786	3,708
Consumer Indirect [Member] | Nonperforming [Member] | Legacy Loan [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	693	752
Consumer Indirect [Member] | Nonperforming [Member] | Acquired Loans [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	2	17
Consumer Direct [Member] | Legacy Loan [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	166,584	171,404
Consumer Direct [Member] | Acquired Loans [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	7,773	8,735
Consumer Direct [Member] | Performing [Member] | Legacy Loan [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	166,528	171,310
Consumer Direct [Member] | Performing [Member] | Acquired Loans [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	7,767	8,708
Consumer Direct [Member] | Nonperforming [Member] | Legacy Loan [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	56	94
Consumer Direct [Member] | Nonperforming [Member] | Acquired Loans [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	6	27
Home Equity [Member] | Legacy Loan [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	272,929	275,910
Home Equity [Member] | Acquired Loans [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	67,831	70,610
Home Equity [Member] | Performing [Member] | Legacy Loan [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	270,828	273,870
Home Equity [Member] | Performing [Member] | Acquired Loans [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	67,363	70,129
Home Equity [Member] | Nonperforming [Member] | Legacy Loan [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	2,101	2,040
Home Equity [Member] | Nonperforming [Member] | Acquired Loans [Member]	'	'
Financing Receivable, Recorded Investment [Line Items]	'	'
Loans	$468	$481

LOANS_Troubled_Debt_Restructur

LOANS, Troubled Debt Restructuring (TDR) (Details) (USD $)	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
	Loan	Position	Loan
	Position	Loan
Financing Receivable, Modifications [Line Items]	'	'	'
Individual commercial loan evaluated for impairment, minimum	$500,000	'	'
TDR impaired loan balance, with specific reserve	0	'	'
Troubled debt restructurings , Nonaccrual, Number of loans	52	'	47
Troubled debt restructurings, Nonaccrual amount	2,444,000	'	2,046,000
Troubled debt restructurings accruing, Number of loans	193	'	213
Troubled debt restructurings , Accruing amount	3,004,000	'	3,389,000
Troubled Debt Restructurings, Total number of loans	245	'	260
Troubled debt restructurings , Total	5,448,000	'	5,435,000
Loans restructured by extension of terms	2	0	'
TDR occurring during the period, number of contracts	30	41	'
TDR occurring during the year, post-modification recorded investment	877,000	1,309,000	'
Consumer Mortgage [Member]	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'
Troubled debt restructurings , Nonaccrual, Number of loans	37	'	31
Troubled debt restructurings, Nonaccrual amount	1,918,000	'	1,682,000
Troubled debt restructurings accruing, Number of loans	43	'	48
Troubled debt restructurings , Accruing amount	1,878,000	'	2,171,000
Troubled Debt Restructurings, Total number of loans	80	'	79
Troubled debt restructurings , Total	3,796,000	'	3,853,000
TDR occurring during the period, number of contracts	11	13	'
TDR occurring during the year, post-modification recorded investment	533,000	1,002,000	'
Business Lending [Member]	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'
Troubled debt restructurings , Nonaccrual, Number of loans	5	'	4
Troubled debt restructurings, Nonaccrual amount	300,000	'	162,000
Troubled debt restructurings accruing, Number of loans	1	'	1
Troubled debt restructurings , Accruing amount	46,000	'	47,000
Troubled Debt Restructurings, Total number of loans	6	'	5
Troubled debt restructurings , Total	346,000	'	209,000
TDR occurring during the period, number of contracts	4	3	'
TDR occurring during the year, post-modification recorded investment	192,000	72,000	'
Consumer Indirect [Member]	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'
Troubled debt restructurings , Nonaccrual, Number of loans	0	'	0
Troubled debt restructurings, Nonaccrual amount	0	'	0
Troubled debt restructurings accruing, Number of loans	91	'	98
Troubled debt restructurings , Accruing amount	651,000	'	692,000
Troubled Debt Restructurings, Total number of loans	91	'	98
Troubled debt restructurings , Total	651,000	'	692,000
TDR occurring during the period, number of contracts	12	11	'
TDR occurring during the year, post-modification recorded investment	112,000	107,000	'
Consumer Direct [Member]	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'
Troubled debt restructurings , Nonaccrual, Number of loans	0	'	0
Troubled debt restructurings, Nonaccrual amount	0	'	0
Troubled debt restructurings accruing, Number of loans	42	'	46
Troubled debt restructurings , Accruing amount	113,000	'	116,000
Troubled Debt Restructurings, Total number of loans	42	'	46
Troubled debt restructurings , Total	113,000	'	116,000
TDR occurring during the period, number of contracts	2	9	'
TDR occurring during the year, post-modification recorded investment	10,000	31,000	'
Home Equity [Member]	'	'	'
Financing Receivable, Modifications [Line Items]	'	'	'
Troubled debt restructurings , Nonaccrual, Number of loans	10	'	12
Troubled debt restructurings, Nonaccrual amount	226,000	'	202,000
Troubled debt restructurings accruing, Number of loans	16	'	20
Troubled debt restructurings , Accruing amount	316,000	'	363,000
Troubled Debt Restructurings, Total number of loans	26	'	32
Troubled debt restructurings , Total	542,000	'	565,000
TDR occurring during the period, number of contracts	1	5	'
TDR occurring during the year, post-modification recorded investment	$30,000	$97,000	'

LOANS_Allowance_For_Loan_Losse

LOANS, Allowance For Loan Losses (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
Impaired loans [Abstract]	'	'	'
Loans with allowance allocation	$1,543	'	$945
Loans without allowance allocation	0	'	600
Carrying balance	1,543	'	1,545
Contractual balance	1,851	'	1,852
Specifically allocated allowance	176	'	50
Allowance for loan losses [Roll Forward]	'	'	'
Beginning balance	44,319	42,888	'
Charge-offs	-2,348	-2,776	'
Recoveries	1,226	1,408	'
Provision	1,000	1,393	'
Ending balance	44,197	42,913	'
Consumer Mortgage [Member]	'	'	'
Allowance for loan losses [Roll Forward]	'	'	'
Beginning balance	8,994	7,070	'
Charge-offs	-167	-371	'
Recoveries	41	6	'
Provision	413	587	'
Ending balance	9,281	7,292	'
Business Lending [Member]	'	'	'
Allowance for loan losses [Roll Forward]	'	'	'
Beginning balance	17,507	18,013	'
Charge-offs	-120	-784	'
Recoveries	171	142	'
Provision	-512	186	'
Ending balance	17,046	17,557	'
Consumer Indirect [Member]	'	'	'
Allowance for loan losses [Roll Forward]	'	'	'
Beginning balance	10,248	9,606	'
Charge-offs	-1,427	-891	'
Recoveries	796	958	'
Provision	969	-225	'
Ending balance	10,586	9,448	'
Consumer Direct [Member]	'	'	'
Allowance for loan losses [Roll Forward]	'	'	'
Beginning balance	3,181	3,303	'
Charge-offs	-492	-545	'
Recoveries	212	298	'
Provision	186	28	'
Ending balance	3,087	3,084	'
Home Equity [Member]	'	'	'
Allowance for loan losses [Roll Forward]	'	'	'
Beginning balance	1,830	1,451	'
Charge-offs	-129	-185	'
Recoveries	6	4	'
Provision	111	413	'
Ending balance	1,818	1,683	'
Unallocated [Member]	'	'	'
Allowance for loan losses [Roll Forward]	'	'	'
Beginning balance	2,029	2,666	'
Charge-offs	0	0	'
Recoveries	0	0	'
Provision	149	261	'
Ending balance	2,178	2,927	'
Acquired Impaired [Member]	'	'	'
Allowance for loan losses [Roll Forward]	'	'	'
Beginning balance	530	779	'
Charge-offs	-13	0	'
Recoveries	0	0	'
Provision	-316	143	'
Ending balance	$201	$922	'

GOODWILL_AND_IDENTIFIABLE_INTA2

GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013	Mar. 31, 2013
Finite-Lived Intangible Assets [Line Items]	'	'	'
Gross Carrying Amount	$50,345	$49,767	'
Accumulated Amortization	-35,400	-34,259	'
Net Carrying Amount	14,945	15,508	'
Finite-lived intangible assets, future amortization expense [Abstract]	'	'	'
Apr - Dec 2014	3,146	'	'
2015	3,408	'	'
2016	2,612	'	'
2017	1,908	'	'
2018	1,424	'	'
Thereafter	2,447	'	'
Net Carrying Amount	14,945	15,508	'
Components of goodwill [Abstract]	'	'	'
Goodwill	379,998	379,815	'
Goodwill, Activity	183	'	'
Accumulated Impairment	-4,824	-4,824	'
Accumulated impairment, Activity	0	'	'
Goodwill, net	375,174	374,991	369,703
Goodwill, net, Activity	183	'	'
Core Deposit Intangibles [Member]	'	'	'
Finite-Lived Intangible Assets [Line Items]	'	'	'
Gross Carrying Amount	40,326	40,326	'
Accumulated Amortization	-27,778	-26,866	'
Net Carrying Amount	12,548	13,460	'
Finite-lived intangible assets, future amortization expense [Abstract]	'	'	'
Net Carrying Amount	12,548	13,460	'
Other Intangibles [Member]	'	'	'
Finite-Lived Intangible Assets [Line Items]	'	'	'
Gross Carrying Amount	10,019	9,441	'
Accumulated Amortization	-7,622	-7,393	'
Net Carrying Amount	2,397	2,048	'
Finite-lived intangible assets, future amortization expense [Abstract]	'	'	'
Net Carrying Amount	$2,397	$2,048	'

MANDATORILY_REDEEMABLE_PREFERR2

MANDATORILY REDEEMABLE PREFERRED SECURITIES (Details) (USD $)	3 Months Ended
In Millions, unless otherwise specified	Mar. 31, 2014
Debt Instrument [Line Items]	'
Number of wholly owned, unconsolidated subsidiary trusts	2
Percent ownership of unconsolidated subsidiary trusts (in hundredths)	100.00%
Community Statutory Trust III [Member]	'
Terms of preferred securities for each trust [Abstract]	'
Issuance Date	31-Jul-01
Par Amount	$24.50
Variable Interest Rate Basis	'3 month LIBOR
Variable Interest Rate, Basis Spread (in hundredths)	3.58%
Effective Interest Rate (in hundredths)	3.82%
Maturity Date	31-Jul-31
Call Provision	'Par
Community Capital Trust IV [Member]	'
Terms of preferred securities for each trust [Abstract]	'
Issuance Date	8-Dec-06
Par Amount	$75
Variable Interest Rate Basis	'3 month LIBOR
Variable Interest Rate, Basis Spread (in hundredths)	1.65%
Effective Interest Rate (in hundredths)	1.88%
Maturity Date	15-Dec-36
Call Provision	'Par

BENEFIT_PLANS_Details

BENEFIT PLANS (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Pension Benefits [Member]	'	'
Net periodic benefit cost [Abstract]	'	'
Service cost	$882	$985
Interest cost	1,318	1,029
Expected return on plan assets	-2,980	-2,451
Amortization of unrecognized net loss	-77	1,007
Amortization of prior service cost	1	14
Net periodic benefit cost	-856	584
Post-retirement Benefits [Member]	'	'
Net periodic benefit cost [Abstract]	'	'
Service cost	0	0
Interest cost	27	22
Expected return on plan assets	0	0
Amortization of unrecognized net loss	0	3
Amortization of prior service cost	-45	-45
Net periodic benefit cost	($18)	($20)

EARNINGS_PER_SHARE_Details

EARNINGS PER SHARE (Details) (USD $)	3 Months Ended		12 Months Ended
In Thousands, except Share data, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
EARNINGS PER SHARE [Abstract]	'	'	'
Weighted-average anti-dilutive stock options outstanding (in shares)	40,000	500,000	'
Basic earnings per share [Abstract]	'	'	'
Net income	$22,173	$20,241	'
Income attributable to unvested stock-based compensation awards	-99	-79	'
Income available to common shareholders	22,074	20,162	'
Weighted-average common shares outstanding - basic (in shares)	40,458,000	39,703,000	'
Basic earnings per share (in dollars per share)	$0.55	$0.51	'
Diluted earnings per share [Abstract]	'	'	'
Net income	22,173	20,241	'
Income attributable to unvested stock-based compensation awards	-99	-79	'
Income available to common shareholders	$22,074	$20,162	'
Weighted-average common shares outstanding (in shares)	40,458,000	39,703,000	'
Assumed exercise of stock options (in shares)	512,000	463,000	'
Weighted-average shares - diluted (in shares)	40,970,000	40,166,000	'
Diluted earnings per share (in dollars per share)	$0.54	$0.50	'
Stock Repurchase Program [Abstract]	'	'	'
Number of common shares authorized to be repurchased (in shares)	'	'	2,000,000
Number of common shares repurchased (in shares)	0	'	0

COMMITMENTS_CONTINGENT_LIABILI2

COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Face Value Disclosure Off-balance Sheet Risks Face Amount Liability	$752,556,000	$729,353,000
Range of reasonably possible losses for such matters in the aggregate, beyond the existing recorded liability, lower range	0	'
Range of reasonably possible losses for such matters in the aggregate, beyond the existing recorded liability, upper range	5,000,000	'
Commitments to Extend Credit [Member]	'	'
Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Face Value Disclosure Off-balance Sheet Risks Face Amount Liability	728,223,000	704,904,000
Standby Letters of Credit [Member]	'	'
Off-balance Sheet Risks, Disclosure Information [Line Items]	'	'
Face Value Disclosure Off-balance Sheet Risks Face Amount Liability	$24,333,000	$24,449,000

FAIR_VALUE_Details

FAIR VALUE (Details) (USD $)	3 Months Ended
	Mar. 31, 2014	Dec. 31, 2013
Available-for-sale investment securities:	'	'
Total available-for-sale investment securities	$2,470,286,000	$2,186,163,000
Assets and Liabilities Measured on Nonrecurring Basis [Abstract]	'	'
Discount on appraisal value of foreclosed real estate, minimum (in hundredths)	5.00%	'
Discount on appraisal value of foreclosed real estate, maximum (in hundredths)	69.00%	'
Fair value of MSRs at end of period	1,600,000	'
Carrying value before valuation allowance at end of period	1,100,000	'
Mortgage Servicing Rights, Valuation Allowance	0	'
Recurring [Member]	'	'
Available-for-sale investment securities:	'	'
U.S. Treasury and agency securities	1,466,731,000	1,212,147,000
Obligations of state and political subdivisions	699,126,000	668,982,000
Government agency mortgage-backed securities	254,850,000	254,978,000
Corporate debt securities	27,557,000	27,587,000
Government agency collateralized mortgage obligations	21,589,000	22,048,000
Marketable equity securities	433,000	421,000
Total available-for-sale investment securities	2,470,286,000	2,186,163,000
Mortgages loans held for sale	802,000	728,000
Commitments to originate real estate loans for sale	67,000	44,000
Forward sales commitments	9,000	27,000
Total	2,471,164,000	2,186,962,000
Recurring [Member] | Level 1 [Member]	'	'
Available-for-sale investment securities:	'	'
U.S. Treasury and agency securities	1,437,219,000	1,182,261,000
Obligations of state and political subdivisions	0	0
Government agency mortgage-backed securities	0	0
Corporate debt securities	0	0
Government agency collateralized mortgage obligations	0	0
Marketable equity securities	433,000	421,000
Total available-for-sale investment securities	1,437,652,000	1,182,682,000
Mortgages loans held for sale	0	0
Commitments to originate real estate loans for sale	0	0
Forward sales commitments	0	0
Total	1,437,652,000	1,182,682,000
Recurring [Member] | Level 2 [Member]	'	'
Available-for-sale investment securities:	'	'
U.S. Treasury and agency securities	29,512,000	29,886,000
Obligations of state and political subdivisions	699,126,000	668,982,000
Government agency mortgage-backed securities	254,850,000	254,978,000
Corporate debt securities	27,557,000	27,587,000
Government agency collateralized mortgage obligations	21,589,000	22,048,000
Marketable equity securities	0	0
Total available-for-sale investment securities	1,032,634,000	1,003,481,000
Mortgages loans held for sale	802,000	728,000
Commitments to originate real estate loans for sale	0	0
Forward sales commitments	9,000	27,000
Total	1,033,445,000	1,004,236,000
Mortgage loans held for sale, at principal value	800,000	'
Mortgage loans held for sale, Unrealized gains (losses)	20,000	'
Recurring [Member] | Level 3 [Member]	'	'
Available-for-sale investment securities:	'	'
U.S. Treasury and agency securities	0	0
Obligations of state and political subdivisions	0	0
Government agency mortgage-backed securities	0	0
Corporate debt securities	0	0
Government agency collateralized mortgage obligations	0	0
Marketable equity securities	0	0
Total available-for-sale investment securities	0	0
Mortgages loans held for sale	0	0
Commitments to originate real estate loans for sale	67,000	44,000
Forward sales commitments	0	0
Total	67,000	44,000
Nonrecurring [Member]	'	'
Assets and Liabilities Measured on Nonrecurring Basis [Abstract]	'	'
Impaired loan balance	420,000	600,000
Other real estate owned	4,914,000	5,060,000
Total	5,334,000	5,660,000
Nonrecurring [Member] | Level 1 [Member]	'	'
Assets and Liabilities Measured on Nonrecurring Basis [Abstract]	'	'
Impaired loan balance	0	0
Other real estate owned	0	0
Total	0	0
Nonrecurring [Member] | Level 2 [Member]	'	'
Assets and Liabilities Measured on Nonrecurring Basis [Abstract]	'	'
Impaired loan balance	0	600,000
Other real estate owned	0	0
Total	0	600,000
Nonrecurring [Member] | Level 3 [Member]	'	'
Assets and Liabilities Measured on Nonrecurring Basis [Abstract]	'	'
Impaired loan balance	420,000	0
Other real estate owned	4,914,000	5,060,000
Total	$5,334,000	$5,060,000

FAIR_VALUE_Unobservable_Input_

FAIR VALUE, Unobservable Input Reconciliation (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2013	Mar. 31, 2014
	Pooled Trust Preferred Securities [Member]	Commitments to Originate Real Estate Loans for Sale [Member]
Level 3 Assets Measured at Fair Value on a Recurring Basis [Abstract]	'	'
Beginning balance	$49,600	$44
Total (losses)/gains included in earnings	103	-44	[1],[2]
Total gains included in other comprehensive income	1,892	0	[3]
Principal reductions	-4,109	0
Commitments to originate real estate loans held for sale, net	0	67
Ending balance	$47,486	$67
[1]	Amounts included in earnings associated with the commitments to originate real estate loans for sale are reported as a component of other banking services in the Consolidated Statement of Income.
[2]	Amounts included in earnings associated with the pooled trust preferred securities relate to accretion of related discount, which are reported in interest and dividends on taxable investments.
[3]	Amounts included in other comprehensive income associated with the pooled trust preferred securities relate to changes in net unrealized loss and are reported as a component of unrealized gains/(losses) on available-for sale securities in the Statement of Comprehensive Income.

FAIR_VALUE_Valuation_Technique

FAIR VALUE, Valuation Techniques (Details) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
Impaired Loans [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis, Valuation Techniques [Line Items]	'	'
Fair value of assets classified as Level 3	$420	'
Impaired Loans, Valuation Techniques	'Fair Value of Collateral	'
Significant Unobservable Inputs, Inputs Description	'Estimated cost of disposal/market adjustment	'
Estimated cost of disposal/market adjustment Range Minimum (in hundredths)	12.00%	'
Estimated cost of disposal/market adjustment Range Maximum (in hundredths)	50.00%	'
Estimated cost of disposal/market adjustment Weighted Average (in hundredths)	23.10%	'
Other Real Estate Owned [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis, Valuation Techniques [Line Items]	'	'
Fair value of assets classified as Level 3	4,914	5,060
Other Real Estate Owned, Valuation Techniques	'Fair Value of Collateral	'Fair value of collateral
Significant Unobservable Inputs, Inputs Description	'Estimated cost of disposal/market adjustment	'Estimated cost of disposal/market adjustment
Estimated cost of disposal/market adjustment Range Minimum (in hundredths)	4.60%	11.00%
Estimated cost of disposal/market adjustment Range Maximum (in hundredths)	69.20%	54.40%
Estimated cost of disposal/market adjustment Weighted Average (in hundredths)	25.70%	28.10%
Commitments To Originate Real Estate Loans For Sale [Member]	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis, Valuation Techniques [Line Items]	'	'
Fair value of assets classified as Level 3	$67	$44
Commitment to Originate Real Estate Loans for Sale, Valuation Techniques	'Discounted cash flow	'Discounted cash flow
Significant Unobservable Inputs, Inputs Description	'Embedded servicing value	'Embedded servicing value
Significant Unobservable Input Range, Weighted Average (in hundredths)	1.00%	1.00%

FAIR_VALUE_Balance_Sheet_Group

FAIR VALUE, Balance Sheet Grouping (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Carrying Value [Member]	'	'
Financial assets [Abstract]	'	'
Net loans	$4,052,161	$4,064,764
Financial liabilities [Abstract]	'	'
Deposits	6,038,888	5,896,044
Borrowings	217,110	141,913
Subordinated debt held by unconsolidated subsidiary trusts	102,103	102,097
Fair Value [Member]	'	'
Financial assets [Abstract]	'	'
Net loans	4,041,417	4,044,449
Financial liabilities [Abstract]	'	'
Deposits	6,039,766	5,898,138
Borrowings	217,110	141,913
Subordinated debt held by unconsolidated subsidiary trusts	$99,265	$109,284

DERIVATIVE_INSTRUMENTS_Details

DERIVATIVE INSTRUMENTS (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014
Derivative Instruments, Gain (Loss) [Line Items]	'
Derivative, Gain (Loss)	$5
Not Designated as Hedging Instrument [Member]	'
Derivatives, Estimated Fair Value and Balance Sheet Location [Line Items]	'
Fair Value	76
Commitments to originate real estate loans for sale [Member] | Mortgage banking and other services [Member]	'
Derivative Instruments, Gain (Loss) [Line Items]	'
Derivative, Gain (Loss)	23
Forward sales commitments [Member] | Mortgage banking and other services [Member]	'
Derivative Instruments, Gain (Loss) [Line Items]	'
Derivative, Gain (Loss)	-18
Other Assets [Member] | Commitments to originate real estate loans for sale [Member] | Not Designated as Hedging Instrument [Member]	'
Derivatives, Estimated Fair Value and Balance Sheet Location [Line Items]	'
Derivative, Notional Amount	4,064
Fair Value	67
Other Liabilities [Member] | Forward sales commitments [Member] | Not Designated as Hedging Instrument [Member]	'
Derivatives, Estimated Fair Value and Balance Sheet Location [Line Items]	'
Derivative, Notional Amount	3,874
Fair Value	$9

SEGMENT_INFORMATION_Details

SEGMENT INFORMATION (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
Information about reportable segments	'	'	'
Net interest income	$60,108	$58,425	'
Provision for loan losses	1,000	1,393	'
Noninterest income	28,354	26,109	'
Amortization of intangible assets	1,141	1,179	'
Other operating expenses	54,780	53,373	'
Income before income taxes	31,541	28,589	'
Assets	7,397,228	7,221,073	7,095,864
Goodwill	375,174	369,703	374,991
Eliminations [Member]	'	'	'
Information about reportable segments	'	'	'
Net interest income	0	0	'
Provision for loan losses	0	0	'
Noninterest income	-474	-451	'
Amortization of intangible assets	0	0	'
Other operating expenses	-474	-451	'
Income before income taxes	0	0	'
Assets	-18,064	-20,326	'
Goodwill	0	0	'
Banking [Member]	'	'	'
Information about reportable segments	'	'	'
Net interest income	60,063	58,374	'
Provision for loan losses	1,000	1,393	'
Noninterest income	13,444	12,641	'
Amortization of intangible assets	912	937	'
Other operating expenses	43,711	43,231	'
Income before income taxes	27,884	25,454	'
Assets	7,370,190	7,196,264	'
Goodwill	364,495	359,207	'
Employee Benefit Services Member [Member]	'	'	'
Information about reportable segments	'	'	'
Net interest income	23	31	'
Provision for loan losses	0	0	'
Noninterest income	10,721	10,026	'
Amortization of intangible assets	172	176	'
Other operating expenses	8,297	7,614	'
Income before income taxes	2,275	2,267	'
Assets	30,719	32,091	'
Goodwill	8,019	7,836	'
Wealth Management [Member]	'	'	'
Information about reportable segments	'	'	'
Net interest income	22	20	'
Provision for loan losses	0	0	'
Noninterest income	4,663	3,893	'
Amortization of intangible assets	57	66	'
Other operating expenses	3,246	2,979	'
Income before income taxes	1,382	868	'
Assets	14,383	13,044	'
Goodwill	$2,660	$2,660	'