0001169232-03-004659 8-K 2 20030722 7 9 20030722 FINANCIAL INSTITUTIONS INC 0000862831 6021 160816610 NY 1231 8-K 34 000-26481 03796245 220 LIBERTY STREET WARSAW NY 14569 7167861100 220 LIBERTY STREET WARSAW NY 14569 8-K 1 d56324_8k.txt FORM 8-K EX-99.1 3 d56324_ex99-1.txt PRESS RELEASE