0001169232-03-001530 4 1 20030218 20030220 BENJAMIN JOHN E 0001211190 DIRECTOR 4 220 LIBERTY ST WARSAW NY 14569 FINANCIAL INSTITUTIONS INC 0000862831 6021 160816610 NY 1231 4 34 000-26481 03574488 220 LIBERTY STREET WARSAW NY 14569 7167861100 220 LIBERTY STREET WARSAW NY 14569 4 1 d53995_form-4.txt FORM 4