0001169232-03-006063 8-K 2 20031016 7 9 20031016 FINANCIAL INSTITUTIONS INC 0000862831 6021 160816610 NY 1231 8-K 34 000-26481 03943323 220 LIBERTY STREET WARSAW NY 14569 7167861100 220 LIBERTY STREET WARSAW NY 14569 8-K 1 d57148_8-k.txt CURRENT REPORT EX-99.1 3 d57148_ex99-1.txt PRESS RELEASE