0001209191-05-008982 5 2 20041231 20050214 20050214 FINANCIAL INSTITUTIONS INC 0000862831 6021 160816610 NY 1231 220 LIBERTY STREET WARSAW NY 14569 7167861100 220 LIBERTY STREET WARSAW NY 14569 HUMPHREY PETER G 0001127894 5 34 000-26481 05605886 220 LIBERTY ST WARSAW NY 14569 5 1 doc5.xml FORM 5 SUBMISSION EX-24.5_72952 2 poa.txt POA DOCUMENT