0001169232-03-003745 10-Q 4 20030331 20030515 FINANCIAL INSTITUTIONS INC 0000862831 6021 160816610 NY 1231 10-Q 34 000-26481 03701395 220 LIBERTY STREET WARSAW NY 14569 7167861100 220 LIBERTY STREET WARSAW NY 14569 10-Q 1 d55779_10q.txt QUARTERLY REPORT EX-10.1 3 d55779_ex10-1.txt SEPARATION AGREEMENT AND RELEASE EX-99.1 4 d55779_ex99-1.txt CERTIFICATION PURSUANT EX-99.2 5 d55779_ex99-2.txt CERTIFICATION PURSUANT