0001169232-03-003364 4 1 20030420 20030501 HOLLIDAY SUSAN R 0001211177 DIRECTOR 4 220 LIBERTY ST WARSAW NY 14569 FINANCIAL INSTITUTIONS INC 0000862831 6021 160816610 NY 1231 4 34 000-26481 03676029 220 LIBERTY STREET WARSAW NY 14569 7167861100 220 LIBERTY STREET WARSAW NY 14569 4 1 d55432_form4.txt STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP