0001209191-05-012246 4 2 20050223 20050225 20050225 MURTHA MATTHEW T 0001256160 4 34 000-26481 05642712 220 LIBERTY STREET WARSAW NY 14569 5857861100 FINANCIAL INSTITUTIONS INC 0000862831 6021 160816610 NY 1231 220 LIBERTY STREET WARSAW NY 14569 7167861100 220 LIBERTY STREET WARSAW NY 14569 4 1 doc4.xml FORM 4 SUBMISSION EX-24.4_75334 2 poa.txt POA DOCUMENT