<SUBMISSION>
<ACCESSION-NUMBER>0001299933-05-006833
<TYPE>8-K
<PUBLIC-DOCUMENT-COUNT>2
<PERIOD>20051221
<ITEMS>5.02
<ITEMS>7.01
<ITEMS>9.01
<FILING-DATE>20051223
<DATE-OF-FILING-DATE-CHANGE>20051223
<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>051285839
</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_9192.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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	December 21, 2005
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	Financial Institutions, Inc.
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	(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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___________<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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<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 5.02 Departure of Directors or Principal Officers; Election of Directors; Appointment of Principal Officers.
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On December 21, 2005 Financial Institutions, Inc. (the "Company") announced the election of Erland E. "Erkie" Kailbourne to its Board of Directors.  Mr. Kailbourne is the retired Chairman and Chief Executive Officer of Fleet National Bank, New York, and brings to the board over 40 years experience in the financial services industry.<br><br>
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	Item 7.01 Regulation FD Disclosure.
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The Company issued a press release dated December 21, 2005 announcing the election of Erland E. Kailbourne to its Board of Directors.  The press release is furnished (not filed) as Exhibit 99.1 to this Form 8-K.
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	Item 9.01 Financial Statements and Exhibits.
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(c) Exhibits<br><br>The following exhibit is furnished (not filed) with this Form 8-K.<br><br>Exhibit 99.1: Press release of Financial Institutions, Inc. dated December 21, 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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	December 23, 2005
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	By:
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<I>
	Ronald A. Miller
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	Name: Ronald A. Miller
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	Title: Executive Vice President and CFO
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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 dated December 21, 2005
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<TYPE>EX-99.1
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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">Gail C. Speedy</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">Assistant 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">Cell Phone: 716.307.5504
Office: 716.376.5237</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: gcspeedy@five-starbank.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>Industry Veteran Joins Board Governing new Five Star Bank</B></FONT>



<P align="left" style="font-size: 18pt"><FONT style="font-size: 12pt">WARSAW, N.Y., December&nbsp;21, 2005 &#151; Financial Institutions, Inc. (NASDAQ: FISI) (&#147;FII&#148;) today
announced that Erland E. &#147;Erkie&#148; Kailbourne has been elected to its Board of Directors. Mr.
Kailbourne is the retired Chairman and Chief Executive Officer of Fleet National Bank, New York,
and brings to the board over 40&nbsp;years experience in the financial services industry.
</FONT>

<P align="left" style="font-size: 12pt">Mr.&nbsp;Kailbourne is a native of Wellsville, New York and a graduate of the State University College
at Alfred with a degree in business administration. His four decades of service in the financial
services industry includes six years as a national bank examiner with the Office of the Comptroller
of the Currency, including assignments in Washington, D.C., New York City and internationally in
Europe and the Middle East.


<P align="left" style="font-size: 12pt">His banking career included a variety of executive positions starting with First Trust Union Bank
in Wellsville as President. First Trust Union Bank joined Security New York State, headquartered
in Rochester, N.Y., and Mr.&nbsp;Kailbourne was named a Director of Security New York State and
subsequently was named President of Security Trust Company. Norstar Bancorp acquired Security New
York and merged it with Liberty Bank in Buffalo under the chairmanship of Mr.&nbsp;Kailbourne. In 1993,
Fleet Financial Group acquired Norstar and merged all of its New York State operations into an
$11.1&nbsp;billion banking subsidiary headquartered in Albany and named Mr.&nbsp;Kailbourne Chairman and CEO
with responsibility for all of its banking operations statewide.


<P align="left" style="font-size: 12pt">In making today&#146;s announcement, FII&#146;s Chief Executive Officer Peter Humphrey said, &#147;We are
extremely pleased to be able to draw upon the talents and experience of Erkie as a director of our
boards. He will be a powerful asset and an invaluable advisor as we move forward with the new Five
Star Bank and continue to expand our banking franchise in Western and Central New York.&#148;


<P align="left" style="font-size: 12pt">&#147;I am delighted to join the FII and Five Star Bank boards,&#148; said Mr.&nbsp;Kailbourne. &#147;I can relate to
the rich, local heritage and long history of providing banking services to this region of the
upstate market. I look forward to working with the board and its executive management team headed
by Mr.&nbsp;Humphrey to strengthen Five Star Bank&#146;s service to its customers and communities.&#148;


<P align="left" style="font-size: 12pt">Mr.&nbsp;Kailbourne also has been a volunteer director for public television stations in Buffalo,
Albany, and Rochester and served five years as Vice Chairman of the statewide SUNY system.


<P align="left" style="font-size: 12pt">He chaired &#147;Business Backs the Bills,&#148; a successful campaign to keep the Buffalo Bills of the
National Football League in Buffalo, and is currently a Director of the New York ISO; Albany
International Corporation; The John R. Oishei Foundation; Rand Capital Corporation; Allegany Co-op
Insurance Company; and USA Niagara Development Corp.


<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 Five
Star Bank which provides 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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