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 20, 2004
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 20, 2004.
Item 9. Regulation FD Disclosure
Item 12. Results of Operations and Financial Condition
The following information is furnished pursuant to Item 9,
"Regulation FD Disclosure" and Item 12, "Results of Operations and
Financial Condition."
On July 20, 2004, Financial Institutions, Inc. issued a press
release reporting its results of operations for the fiscal quarter
and six-months ended June 30, 2004. Attached and incorporated herein
by reference, as Exhibit 99.1 is a copy of the press release dated
July 20, 2004.
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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 20, 2004 /s/ Ronald A. Miller
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Date Ronald A. Miller, Senior VP & CFO
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