
                                    FORM 8-K

                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                  QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF
                       THE SECURITIES EXCHANGE ACT OF 1934

        Date of Report (Date of earliest event reported): March 14, 2003

                          FINANCIAL INSTITUTIONS, INC.
               (Exact Name of Registrant as Specified in Charter)

           New York                        0-26481                16-0816610
(State or other jurisdiction of     (Commission File No.)     (I.R.S. Employer
 incorporation or organization)                              Identification No.)

  220 Liberty Street, Warsaw, New York                              14569
(Address of principal executive offices)                          (Zip code)

Registrant's telephone number, including area code             (716) 786-1100

                                 Not Applicable
          (Former name or former address, if changed since last report)

<PAGE>

Item 1.  Not Applicable

Item 2.  Not Applicable

Item 3.  Not Applicable

Item 4.  Not Applicable

Item 5.  Not Applicable

Item 6.  Not Applicable

Item 7.  Financial Statements and Exhibits

         (a) Financial Statements of Business Acquired

             None.

         (b) Pro Forma Financial Information

             None.

         (c) Exhibit

             99.1 Pursuant to Regulation FD, Financial Institutions, Inc. is
                  furnishing a press release dated March 14, 2003.

Item 8.  Not Applicable

Item 9.  Regulation FD Disclosure

         Pursuant to Regulation FD, Financial Institutions, Inc. is furnishing a
         press release dated March 14, 2003. The Press Release is attached
         hereto as exhibit 99.1.



SIGNATURES

      Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.

                                         FINANCIAL INSTITUTIONS, INC.
                                                 (Registrant)


March 14, 2003                             /s/ Peter G. Humphrey
--------------                           ---------------------------------------
     Date                                Peter G. Humphrey, President & CEO

