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): July 22, 2003
FINANCIAL INSTITUTIONS, INC.
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Exact Name of Registrant as Specified in Charter)
New York 0-26481 16-0816610
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(State or other jurisdiction of (Commission File No.) (I.R.S. Employer
incorporation or organization) Identification No.)
220 Liberty Street, Warsaw, New York 14569
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(Address of principal executive offices) (Zip code)
Registrant's telephone number, including area code (585) 786-1100
Item 7. Financial Statements and Exhibits
(c) Exhibit
99.1 Press release issued by Financial Institutions, Inc. dated
July 22, 2003.
Item 9. Regulation FD Disclosure
The information contained in this Item 9 of the Current Report is
being furnished pursuant to "Item 12. Results of Operations and
Financial Condition" of Form 8-K in accordance with SEC Release No.
33-8216.
Attached and incorporated herein by reference, as Exhibit 99.1 is a
copy of the press release of Financial Institutions, Inc., dated
July 22, 2003, reporting Financial Institutions, Inc.'s financial
results for the quarter ended June 30, 2003.
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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)
July 22, 2003 /s/ Peter G. Humphrey
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Date Peter G. Humphrey, President & CEO
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