<SUBMISSION>
<ACCESSION-NUMBER>0001299933-05-006208
<TYPE>8-K
<PUBLIC-DOCUMENT-COUNT>2
<PERIOD>20051129
<ITEMS>8.01
<FILING-DATE>20051130
<DATE-OF-FILING-DATE-CHANGE>20051130
<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>051233540
</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_8568.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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	&nbsp;
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	November 29, 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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	(I.R.S. Employer
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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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	&nbsp;
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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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<!-- CoverPageRegistrant END --><P><FONT SIZE="2">
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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<P><FONT SIZE="2">
[&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 8.01 Other Events.
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On November 29, 2005, the Company issued a press release announcing that it has received approval from the New York State Banking Department to consolidate its four subsidiary banks into the state-chartered First Tier Bank & Trust subsidiary, which will be renamed Five Star Bank.  In addition, the approval of the merger application received on November 14, 2005 from the Board of Governors of the Federal Reserve System became effective following the statutory waiting period.
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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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	&nbsp;&nbsp;
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<I>
	November 30, 2005
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<I>
	By:
</I>
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<I>
	Ronald A. Miller
</I>
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<I>
	Name: Ronald A. Miller
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	Title: Executive Vice President & CFO
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	Exhibit&nbsp;Index
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	Exhibit No.
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	Description
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	99.1
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Press Release Issued November 29, 2005
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<TYPE>EX-99.1
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<FILENAME>exhibit1.htm
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    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT style="font-size: 9pt"><B>For More Information:</B></FONT></DIV></TD>
</TR>
<TR valign="bottom" style="font-size: 9pt">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT style="font-size: 9pt">Matthew T. Murtha</FONT></DIV></TD>
</TR>
<TR valign="bottom" style="font-size: 9pt">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT style="font-size: 9pt">Senior Vice President</FONT></DIV></TD>
</TR>
<TR valign="bottom" style="font-size: 9pt">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT style="font-size: 9pt">Phone: 585.786.1167</FONT></DIV></TD>
</TR>
<TR valign="bottom" style="font-size: 9pt">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT style="font-size: 9pt">Email: mtmurtha@fiiwarsaw.com</FONT></DIV></TD>
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<P align="left" style="font-size: 9pt"><FONT style="font-size: 11.5pt">FOR IMMEDIATE RELEASE
</FONT>

<P align="center" style="font-size: 11.5pt"><FONT style="font-size: 18pt"><B>Financial Institutions, Inc. Announces Approval<BR>
for Subsidiary Bank Merger:</B></FONT>



<P align="center" style="font-size: 18pt"><FONT style="font-size: 16pt"><B><I>Bank to be called &#147;Five Star Bank&#148;</I></B></FONT><BR>
<FONT style="font-size: 14pt"></FONT>



<P align="left" style="font-size: 14pt"><FONT style="font-size: 12pt">WARSAW, N.Y., Tuesday, November&nbsp;29, 2005 &#151; Financial Institutions, Inc. (NASDAQ: FISI)
(&#147;FII&#148;) today announced it has received approval from the New York State Banking Department to
consolidate its four subsidiary banks into the state-chartered First Tier Bank &#038; Trust subsidiary,
which will be renamed Five Star Bank. Earlier this month, the merger application was approved by
the Board of Governors of the Federal Reserve System. That approval became effective today,
following a statutory waiting period.
</FONT>

<P align="left" style="font-size: 12pt">The Company plans to have all offices, branches and other operating locations of National Bank of
Geneva, Bath National Bank, Wyoming County Bank and First Tier Bank &#038; Trust open as Five Star Bank
on Monday, December&nbsp;5, 2005.


<P align="left" style="font-size: 12pt">Peter G. Humphrey, Chairman, President and CEO of FII, commented, &#147;We are extremely pleased to be
moving forward with the consolidation of our banks. We now can better provide for a solid,
consistent credit and sales culture; we should be able to reduce costs by eliminating redundancies;
and we can capitalize on a single, strong image throughout Upstate New York. Our new management
team is in place, and our new bank name and brand personifies the strength of our combined
organization throughout the 10,000 square mile operating market we serve.&#148;


<P align="left" style="font-size: 12pt">&#147;The name Five Star Bank incorporates our legacy and history, and exemplifies the high level of
service our communities and customers have come to expect,&#148; he went on to explain. &#147;Five Star also
represents who we are &#151; a solid, reliable bank staffed with quality, caring people that are
actively engaged with our local communities.&#148;


<P align="left" style="font-size: 12pt">While the bank names will change, the most important aspects of the company remain the same.
Customers&#146; account numbers will remain the same, and they may continue to use their existing
Checks, Debit Card and Internet Banking.


<P align="left" style="font-size: 12pt">&#147;Customers will continue to do their banking in the same way they always have and will continue to
receive the same personalized service from the same friendly banking professionals they have always
dealt with,&#148; stated Mr.&nbsp;Humphrey.


<P align="left" style="font-size: 12pt">Mr.&nbsp;Humphrey said customers should expect a seamless transition. &#147;Our top priority continues to be
our customers,&#148; he said. &#147;Because of the superb capabilities of our associates throughout our


<P align="left" style="font-size: 12pt">50 branches, the breadth of access provided by our 72-ATM network and the strength of our $2.1
billion in assets, we are uniquely positioned to provide exceptional service to our customers and
our communities.&#148;


<P align="left" style="font-size: 12pt">While the combined subsidiary bank will change its name to Five Star Bank, the holding company will
remain Financial Institutions, Inc.


<P align="left" style="font-size: 12pt"><B>ABOUT FINANCIAL INSTITUTIONS, INC.</B>


<P align="left" style="font-size: 12pt"><FONT style="font-size: 11pt">With total assets of $2.1&nbsp;billion, Financial Institutions, Inc. is the parent company of
Wyoming County Bank, National Bank of Geneva, Bath National Bank and First Tier Bank &#038; Trust. The
four banks, which it has proposed to consolidate into one under the name of Five Star Bank, provide
a wide range of consumer and commercial banking services to individuals, municipalities and
businesses through a network of 50 offices and 72 ATM&#146;s in Western and Central New York State. FII
affiliates also provide diversified financial services to its customers and clients, including
brokerage, trust, and insurance. More information on FII and its subsidiaries is available through
the Company web site at <U><I>www.fiiwarsaw.com</I></U>.
</FONT>

<P align="left" style="font-size: 11pt"><FONT style="font-size: 12pt"><B>Safe Harbor Statement</B>
</FONT><BR>
<FONT style="font-size: 10pt"><I>This press release contains forward-looking statements as defined by federal securities
laws. These statements may address issues that involve significant risks, uncertainties,
estimates and assumptions made by management. Actual results could differ materially from
current beliefs or projections. There are a number of important factors that could affect the
Company&#146;s forward-looking statements which include the effectiveness of its strategy, its
ability to achieve anticipated savings, the likelihood of the final approval by regulators on
the consolidation under a single charter, the ability to gain market share, customer
preferences, the competitive environment and other factors discussed in the Company&#146;s filings
with the Securities and Exchange Commission. The Company undertakes no obligation to revise
these statements following the date of this press release.</I>
</FONT>


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