0001169232-03-001533 4 1 20030218 20030220 GULLO SAMUEL M 0001211187 DIRECTOR 4 220 LIBERTY ST WARSAW NY 14569 FINANCIAL INSTITUTIONS INC 0000862831 6021 160816610 NY 1231 4 34 000-26481 03574529 220 LIBERTY STREET WARSAW NY 14569 7167861100 220 LIBERTY STREET WARSAW NY 14569 4 1 d53998_form-4.txt FORM 4