Exhibit 23.6

                                     CONSENT

         I hereby consent to being named as a person chosen to become a director
of M&T Bank Corporation in the Registration Statement on Form S-4 to be filed
with the Securities and Exchange Commission in connection with the merger of FNB
Rochester Corp. with a subsidiary of M&T Bank Corporation.


Dated:  March 23, 1999                          /s/ R. Carlos Carballada
                                                ------------------------
                                                R. Carlos Carballada