Exhibit 23.1

                       Consent of Independent Accountants

The Board of Directors
Bath National Corporation:

We consent to incorporation by reference in this Form 8-K of Financial
Isntitutions, Inc. of our report dated March 9, 2001, with respect to the
consolidated statement of financial condition of Bath National Corporation and
subsidiaries as of December 31, 2000, and the related consolidated statements of
income, stockholders' equity, and cash flows for the year then ended, which
report appears in the December 31, 2000 annual report on Form 10-K of Bath
National Corporation.


/s/ KPMG LLP

Buffalo, New York
May 11, 2001