FORM 8-K
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SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF
THE SECURITIES EXCHANGE ACT OF 1934
Date of Report (Date of earliest event reported): February 13, 2003
FINANCIAL INSTITUTIONS, INC.
(Exact Name of Registrant as Specified in Charter)
New York 0-26481 16-0816610
(State or other jurisdiction of (Commission File No.) (I.R.S. Employer
incorporation or organization) Identification No.)
220 Liberty Street, Warsaw, New York 14569
(Address of principal executive offices) (Zip code)
Registrant's telephone number, including area code (716) 786-1100
Not Applicable
(Former name or former address, if changed since last report)
Item 1. Not Applicable
Item 2. Not Applicable
Item 3. Not Applicable
Item 4. Not Applicable
Item 5. Not Applicable
Item 6. Not Applicable
Item 7. Financial Statements and Exhibits
(a) Financial Statements of Business Acquired None.
(b) Pro Forma Financial Information None.
(c) Exhibit
99.1 Pursuant to Regulation FD, Financial Institutions, Inc. is
furnishing a press release dated February 13, 2003.
Item 8. Not Applicable
Item 9. Regulation FD Disclosure
Pursuant to Regulation FD, Financial Institutions, Inc. is furnishing a
press release dated February 13, 2003. The Press Release is attached
hereto as exhibit 99.1.
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.
FINANCIAL INSTITUTIONS, INC.
(Registrant)
February 13, 2002 /s/ Peter G. Humphrey
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Date Peter G. Humphrey, President & CEO