0001169232-03-002728 DEF 14A 1 20030507 20030407 20030407 FINANCIAL INSTITUTIONS INC 0000862831 6021 160816610 NY 1231 DEF 14A 34 000-26481 03641304 220 LIBERTY STREET WARSAW NY 14569 7167861100 220 LIBERTY STREET WARSAW NY 14569 DEF 14A 1 d3-55142_def14a.txt DEFINITIVE PROXY STATEMENT