<SUBMISSION>
<ACCESSION-NUMBER>0001299933-05-001282
<TYPE>8-K
<PUBLIC-DOCUMENT-COUNT>2
<PERIOD>20050316
<ITEMS>2.02
<ITEMS>9.01
<FILING-DATE>20050316
<DATE-OF-FILING-DATE-CHANGE>20050316
<FILER>
<COMPANY-DATA>
<CONFORMED-NAME>FINANCIAL INSTITUTIONS INC
<CIK>0000862831
<ASSIGNED-SIC>6021
<IRS-NUMBER>160816610
<STATE-OF-INCORPORATION>NY
<FISCAL-YEAR-END>1231
</COMPANY-DATA>
<FILING-VALUES>
<FORM-TYPE>8-K
<ACT>34
<FILE-NUMBER>000-26481
<FILM-NUMBER>05686305
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>220 LIBERTY STREET
<CITY>WARSAW
<STATE>NY
<ZIP>14569
<PHONE>7167861100
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>220 LIBERTY STREET
<CITY>WARSAW
<STATE>NY
<ZIP>14569
</MAIL-ADDRESS>
</FILER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>htm_3689.htm
<DESCRIPTION>LIVE FILING
<TEXT>
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<TITLE> Financial Institutions, Inc. (Form: 8-K) </TITLE>
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		UNITED STATES<BR>
	SECURITIES AND EXCHANGE COMMISSION
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	WASHINGTON, D.C. 20549
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	FORM 8-K
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	CURRENT REPORT
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	Pursuant to Section&nbsp;13 or 15(d) of the Securities Exchange Act of 1934
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	Date of Report (Date of Earliest Event Reported):
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	March 16, 2005
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	Financial Institutions, Inc.
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<BR>__________________________________________<BR>
	(Exact name of registrant as specified in its charter)
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	New York
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	0-26481
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	16-0816610
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_____________________<BR>
	(State or other jurisdiction
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_____________<BR>
	(Commission
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	of incorporation)
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	File Number)
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	Identification No.)
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	220 Liberty Street, Warsaw, New York
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	14569
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_________________________________<BR>
	(Address of principal executive offices)
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___________<BR>
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	Registrant&#146;s telephone number, including area code:
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	585-786-1100
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	Not Applicable
<BR>______________________________________________<BR>
	Former name or former address, if changed since last report
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	&nbsp;
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Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any
of the following provisions:</FONT>
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[&nbsp;&nbsp;]&nbsp;&nbsp;Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)<br>
[&nbsp;&nbsp;]&nbsp;&nbsp;Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)<br>
[&nbsp;&nbsp;]&nbsp;&nbsp;Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))<br>
[&nbsp;&nbsp;]&nbsp;&nbsp;Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))<br>
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	Item 2.02. Results of Operations and Financial Condition.
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On March 16, 2005, Financial Insitutions, Inc. issued a press release to report revised financial results for the fourth quarter and year ended December 31, 2004.  The press release is furnished as Exhibit 99.1 and is incorporated herein by reference.<br><br>The information in this Current Report on Form 8-K, including Exhibit 99.1 is furnished pursuant to Item 2.02 and shall not be deemed "filed" for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liability of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, except as shall be expressly set forth by specific reference in such a filing.
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	Item 9.01. Financial Statements and Exhibits.
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(c) Exhibits<br><br>Exhibit 99.1  Press Release, issued March 16, 2005.
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	SIGNATURES
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	Pursuant to the requirements of the Securities Exchange Act of 1934, the
	registrant has duly caused this report to be signed on its behalf by the
	undersigned hereunto duly authorized.
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	Financial Institutions, Inc.
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	March 16, 2005
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	By:
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	Ronald A. Miller
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	Name: Ronald A. Miller
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	Title: Senior Vice President and Chief Financial Officer
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	Exhibit&nbsp;Index
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	Exhibit No.
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	99.1
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Press Release, issued March 16, 2005
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<P align="center" style="font-size: 10pt"><FONT style="font-size: 10pt"><B>Financial Institutions, Inc. Reports Revised 2004 Fourth Quarter Results</B></FONT>



<P align="left" style="font-size: 10pt">Financial Institutions, Inc. (NASDAQ:FISI) today filed its Annual Report on Form 10-K with the
Securities and Exchange Commission. Included in the filing are its 2004 audited financial
statements, which reflect a decrease in net income of $3.7&nbsp;million, or $.34 per share, from the
unaudited results announced in the Company&#146;s press release of January&nbsp;27, 2005. The audited
statements reflect a net loss of $831,000, or $.11 per share, for the fourth quarter of 2004 and
net income for the year ended December&nbsp;31, 2004 of $12.5&nbsp;million, or $.98 per share.


<P align="left" style="font-size: 10pt">The decrease in net income reflects an additional $6.2&nbsp;million provision for loan losses versus the
unaudited provision, which increased the allowance for loan losses to $39.2&nbsp;million at December&nbsp;31,
2004. The provision for loan losses for the 2004&nbsp;year was $19.7&nbsp;million.


<P align="left" style="font-size: 10pt">Peter G. Humphrey, Chairman, President &#038; CEO of Financial Institutions, Inc. stated: &#147;The adequacy
of the allowance for loan losses is subject to ongoing management review. As of December&nbsp;31, 2004,
management identified a material weakness in internal controls over financial reporting related to
determining the allowance for loan losses and the provision for loan losses. This resulted in
additional loan reviews, which in turn resulted in an increase from September&nbsp;30, 2004 of
approximately $31&nbsp;million in loans in the &#147;substandard&#148; category. As a result of management&#146;s
assessment of the allowance for loan losses, which was completed last week, management made certain
changes in its approach to estimating the allowance. The Company continues to work to remediate its
controls in this critical area.


<P align="left" style="font-size: 10pt">In addition, the Company has also been assessing its strategies for reducing the current levels of
criticized and classified loans. Realizations of improvements from these strategies will require a
considerable period of time. The Company is exploring a more immediate strategy, the potential
sale of a substantial portion of these loans, and has retained an investment banker to provide a
review and assessment of these loans.&#148;


<P align="left" style="font-size: 10pt"><B>About Financial Institutions, Inc.</B>


<P align="left" style="font-size: 10pt">Financial Institutions, Inc. is the bank holding company parent of Wyoming County Bank, The
National Bank of Geneva, Bath National Bank, and First Tier Bank and Trust with $2.2&nbsp;billion in
assets. Its four banks provide a wide range of consumer and commercial banking services to
individuals, municipalities, and businesses through a network of 50 offices and 72 ATMs in Western
and Central New York State. FII&#146;s Financial Services Group also provides diversified financial
services to its customers and clients, including brokerage, trust, insurance and employee benefits
and compensation consulting. More information on FII and its subsidiaries is available through the
Company web site at <I>www.fiiwarsaw.com.</I>


<P align="left" style="font-size: 10pt"><B>Safe Harbor Statement</B>


<P align="left" style="font-size: 10pt">This press release contains forward-looking statements as defined by federal securities laws. Such
forward-looking statements are subject to certain risks, uncertainties and assumptions, including
prevailing market conditions and other factors. Should one or more of these risks or uncertainties
materialize, or should underlying assumptions prove incorrect, actual results may vary materially
from those expected. More information about potential risk factors which could affect our results
is included in our filings with the SEC. The Company undertakes no obligation to revise these
statements following the date of this press release.



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