EXHIBIT 99.1

       CERTIFICATION OF CHIEF EXECUTIVE OFFICER UNDER 18 U.S.C.Section 1350

I, Robert G. Wilmers, Chairman of the Board, President and Chief Executive
Officer of M&T Bank Corporation, hereby certify, to my knowledge:

      (1)   that the Quarterly Report on Form 10-Q of M&T Bank Corporation for
            the quarterly period ended on September 30, 2002 filed with the
            Securities and Exchange Commission at File No. 1-9861 (the "Report")
            fully complies with the requirements of Section 13(a) or 15(d), as
            applicable, of the Securities Exchange Act of 1934; and

      (2)   that the information contained in such Report fairly presents, in
            all material respects, the financial condition and results of
            operations of M&T Bank Corporation.


The foregoing certification is being furnished solely pursuant to 18 U.S.C.
Section 1350 and is not being filed as part of the Report or as a separate
disclosure document.





/s/ Robert G. Wilmers
- ---------------------
Robert G. Wilmers
November 14, 2002