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): March 16, 2004
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FIRST NIAGARA FINANCIAL GROUP, INC.
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(Exact Name of Registrant as Specified in Charter)
Delaware 000-23975 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
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Not Applicable
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(Former name or former address, if changed since last report)
Items 1, 2, 3, 4, 6, 8, 9, 10, 11 and 12: Not Applicable.
Item 5. Other Events
On March 16, 2004, First Niagara Financial Group, Inc. (the "Company")
issued a press release disclosing that investors will have an opportunity to
listen to a teleconference about the Company's strategy, future outlook, and
current operations on March 18, 2004, as senior management of the Company makes
presentations to a group of institutional investors. The Company also released
the teleconference and website information that will allow investors to listen
and view the presentations that will take place that day. A copy of the press
release is filed as exhibit 99.1 to this report.
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 March 16, 2004
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: March 16, 2004 By: /s/ John R. Koelmel
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John R. Koelmel
Chief Financial Officer
(Duly authorized representative)