-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
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 6YK1ZBOsliweGi5yu7SGmA==

<SEC-DOCUMENT>0001209191-05-008999.txt : 20050214
<SEC-HEADER>0001209191-05-008999.hdr.sgml : 20050214
<ACCEPTANCE-DATETIME>20050214124003
ACCESSION NUMBER:		0001209191-05-008999
CONFORMED SUBMISSION TYPE:	5
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20041231
FILED AS OF DATE:		20050214
DATE AS OF CHANGE:		20050214

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FINANCIAL INSTITUTIONS INC
		CENTRAL INDEX KEY:			0000862831
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				160816610
		STATE OF INCORPORATION:			NY
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		220 LIBERTY STREET
		CITY:			WARSAW
		STATE:			NY
		ZIP:			14569
		BUSINESS PHONE:		7167861100

	MAIL ADDRESS:	
		STREET 1:		220 LIBERTY STREET
		CITY:			WARSAW
		STATE:			NY
		ZIP:			14569

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			MILLER RONALD A
		CENTRAL INDEX KEY:			0001211173

	FILING VALUES:
		FORM TYPE:		5
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-26481
		FILM NUMBER:		05605989

	MAIL ADDRESS:	
		STREET 1:		220 LIBERTY ST
		CITY:			WARSAW
		STATE:			NY
		ZIP:			14569
</SEC-HEADER>
<DOCUMENT>
<TYPE>5
<SEQUENCE>1
<FILENAME>doc5.xml
<DESCRIPTION>FORM 5 SUBMISSION
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-24.5_72963
<SEQUENCE>2
<FILENAME>poa.txt
<DESCRIPTION>POA DOCUMENT
</DOCUMENT>
</SUBMISSION>