UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 8-K
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(D) OF
THE SECURITIES EXCHANGE ACT OF 1934
Date of Report (Date of earliest event reported): October 9, 2003
FIRST NIAGARA FINANCIAL GROUP, INC.
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(Exact Name of Registrant as Specified in Charter)
Delaware 0-23975 42-1556195
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(State or Other Jurisdiction (Commission File No.) (I.R.S. Employer
of Incorporation) Identification No.)
6950 South Transit Road, P.O. Box 514, Lockport, New York 14095-0514
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(Address of Principal Executive Offices) (Zip Code)
Registrant's telephone number, including area code: (716) 625-7500
Not Applicable
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(Former name or former address, if changed since last report)
Items 1, 2, 3, 4, 5, 6, 8, 9, 10 and 11: Not Applicable.
Item 7. Financial Statements and Exhibits
(a) Not Applicable.
(b) Not Applicable.
(c) Exhibits.
Exhibit No. Description
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99.1 Press release dated October 9, 2003
Item 12. Results of Operations and Financial Condition
On October 9, 2003, First Niagara Financial Group, Inc. issued a press
release disclosing third quarter 2003 financial results and providing earnings
guidance for the full year. A copy of the press release is included as exhibit
99.1 to this report.
SIGNATURE
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, hereunto duly authorized.
FIRST NIAGARA FINANCIAL GROUP, INC.
DATE: October 9, 2003 By: /s/ Paul J. Kolkmeyer
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Paul J. Kolkmeyer
Interim President and CEO, COO and CFO
(Duly authorized representative)