0001169232-03-001409 5 1 20021231 20030214 HUMPHREY PETER G 0001127894 DIRECTOR 5 220 LIBERTY ST WARSAW NY 14569 220 LIBERTY ST WARSAW NY 14569 FINANCIAL INSTITUTIONS INC 0000862831 6021 160816610 NY 1231 5 34 000-26481 03569216 220 LIBERTY STREET WARSAW NY 14569 7167861100 220 LIBERTY STREET WARSAW NY 14569 5 1 d53889_form5.txt FORM 5