<?xml version="1.0" encoding="us-ascii"?>
<!--XBRL document created with Certent Inc. Powered by Crossfire 5.17.1.24 -->
<!--Based on XBRL 2.1-->
<!--Created on: 3/7/2016 9:48:54 AM-->
<!--Modified on: 3/7/2016 9:48:54 AM-->
<schema xmlns="http://www.w3.org/2001/XMLSchema" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" targetNamespace="http://www.fiiwarsaw.com/20151231" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" elementFormDefault="qualified" attributeFormDefault="unqualified" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:invest="http://xbrl.sec.gov/invest/2013-01-31" xmlns:fisi="http://www.fiiwarsaw.com/20151231">
  <annotation>
    <appinfo>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/StatementConsolidatedStatementsOfFinancialConditionAlternate" id="StatementConsolidatedStatementsOfFinancialConditionAlternate">
        <link:definition>00100 - Statement - Consolidated Statements Of Financial Condition (Alternate)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/StatementConsolidatedStatementsOfIncome" id="StatementConsolidatedStatementsOfIncome">
        <link:definition>00200 - Statement - Consolidated Statements Of Income</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/StatementConsolidatedStatementsOfComprehensiveIncome" id="StatementConsolidatedStatementsOfComprehensiveIncome">
        <link:definition>00300 - Statement - Consolidated Statements Of Comprehensive Income</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/StatementConsolidatedStatementsOfCashFlowsAlternate" id="StatementConsolidatedStatementsOfCashFlowsAlternate">
        <link:definition>00500 - Statement - Consolidated Statements Of Cash Flows (Alternate)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureBusinessCombinationsScheduleOfAssetsPurchasedAndLiabilitiesAssumedDetails" id="DisclosureBusinessCombinationsScheduleOfAssetsPurchasedAndLiabilitiesAssumedDetails">
        <link:definition>40202 - Disclosure - Business Combinations (Schedule Of Assets Purchased And Liabilities Assumed) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureInvestmentSecuritiesSummaryOfAmortizedCostAndFairValueOfInvestmentSecuritiesDetails" id="DisclosureInvestmentSecuritiesSummaryOfAmortizedCostAndFairValueOfInvestmentSecuritiesDetails">
        <link:definition>40302 - Disclosure - Investment Securities (Summary Of Amortized Cost And Fair Value Of Investment Securities) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureInvestmentSecuritiesInterestAndDividendsOnSecuritiesDetails" id="DisclosureInvestmentSecuritiesInterestAndDividendsOnSecuritiesDetails">
        <link:definition>40303 - Disclosure - Investment Securities (Interest And Dividends On Securities) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureInvestmentSecuritiesScheduledMaturitiesOfSecuritiesAvailableForSaleAndSecuritiesHeldToMaturityDetails" id="DisclosureInvestmentSecuritiesScheduledMaturitiesOfSecuritiesAvailableForSaleAndSecuritiesHeldToMaturityDetails">
        <link:definition>40305 - Disclosure - Investment Securities (Scheduled Maturities Of Securities Available For Sale And Securities Held To Maturity) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureInvestmentSecuritiesInvestmentsGrossUnrealizedLossesAndFairValueAlternateCalcDetails" id="DisclosureInvestmentSecuritiesInvestmentsGrossUnrealizedLossesAndFairValueAlternateCalcDetails">
        <link:definition>40306 - Disclosure - Investment Securities (Investments' Gross Unrealized Losses And Fair Value) (Alternate Calc) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureInvestmentSecuritiesInvestmentsGrossUnrealizedLossesAndFairValueDetails" id="DisclosureInvestmentSecuritiesInvestmentsGrossUnrealizedLossesAndFairValueDetails">
        <link:definition>40306 - Disclosure - Investment Securities (Investments' Gross Unrealized Losses And Fair Value) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureLoansHeldForSaleAndLoanServicingRightsActivityInCapitalizedMortgageServingAssetsDetails" id="DisclosureLoansHeldForSaleAndLoanServicingRightsActivityInCapitalizedMortgageServingAssetsDetails">
        <link:definition>40402 - Disclosure - Loans Held For Sale And Loan Servicing Rights (Activity In Capitalized Mortgage Serving Assets) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureLoansLoanPortfolioDetails" id="DisclosureLoansLoanPortfolioDetails">
        <link:definition>40502 - Disclosure - Loans (Loan Portfolio) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureLoansRecordedInvestmentByLoanClassInCurrentAndNonaccrualLoansDetails" id="DisclosureLoansRecordedInvestmentByLoanClassInCurrentAndNonaccrualLoansDetails">
        <link:definition>40503 - Disclosure - Loans (Recorded Investment By Loan Class In Current And Nonaccrual Loans) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureLoansSummaryOfImpairedLoansDetails" id="DisclosureLoansSummaryOfImpairedLoansDetails">
        <link:definition>40505 - Disclosure - Loans (Summary Of Impaired Loans) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosurePremisesAndEquipmentNetDetails" id="DisclosurePremisesAndEquipmentNetDetails">
        <link:definition>40601 - Disclosure - Premises And Equipment, Net (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureGoodwillAndOtherIntangibleAssetsChangesInAccumulatedAmortizationAndNetBookValueDetails" id="DisclosureGoodwillAndOtherIntangibleAssetsChangesInAccumulatedAmortizationAndNetBookValueDetails">
        <link:definition>40703 - Disclosure - Goodwill And Other Intangible Assets (Changes In The Accumulated Amortization And Net Book Value) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureDepositsSummaryOfDepositsDetails" id="DisclosureDepositsSummaryOfDepositsDetails">
        <link:definition>40802 - Disclosure - Deposits (Summary Of Deposits) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureDepositsInterestExpenseByDepositsTypeDetails" id="DisclosureDepositsInterestExpenseByDepositsTypeDetails">
        <link:definition>40803 - Disclosure - Deposits (Interest Expense By Deposits Type) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureBorrowingsSummaryOfOutstandingBorrowingsDetails" id="DisclosureBorrowingsSummaryOfOutstandingBorrowingsDetails">
        <link:definition>40902 - Disclosure - Borrowings (Summary Of Outstanding Borrowings) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureCommitmentsAndContingenciesLeasesFutureMinimumPaymentsByYearsAndInAggregateDetails" id="DisclosureCommitmentsAndContingenciesLeasesFutureMinimumPaymentsByYearsAndInAggregateDetails">
        <link:definition>41003 - Disclosure - Commitments And Contingencies (Leases Future Minimum Payments By Years And In The Aggregate) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureAccumulatedOtherComprehensiveIncomeLossComponentsOfOtherComprehensiveIncomeLossDetails" id="DisclosureAccumulatedOtherComprehensiveIncomeLossComponentsOfOtherComprehensiveIncomeLossDetails">
        <link:definition>41301 - Disclosure - Accumulated Other Comprehensive Income (Loss) (Components Of Other Comprehensive Income (Loss)) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureAccumulatedOtherComprehensiveIncomeLossComponentsOfAccumulatedOtherComprehensiveIncomeLossDetails" id="DisclosureAccumulatedOtherComprehensiveIncomeLossComponentsOfAccumulatedOtherComprehensiveIncomeLossDetails">
        <link:definition>41302 - Disclosure - Accumulated Other Comprehensive Income (Loss) (Components Of Accumulated Other Comprehensive Income (Loss)) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureIncomeTaxesIncomeTaxExpenseDetails" id="DisclosureIncomeTaxesIncomeTaxExpenseDetails">
        <link:definition>41502 - Disclosure - Income Taxes (Income Tax Expense) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureIncomeTaxesIncomeTaxExpenseDifferedFromStatutoryFederalIncomeTaxRateDetails" id="DisclosureIncomeTaxesIncomeTaxExpenseDifferedFromStatutoryFederalIncomeTaxRateDetails">
        <link:definition>41503 - Disclosure - Income Taxes (Income Tax Expense Differed From Statutory Federal Income Tax Rate) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureIncomeTaxesNetDeferredTaxAssetsDetails" id="DisclosureIncomeTaxesNetDeferredTaxAssetsDetails">
        <link:definition>41505 - Disclosure - Income Taxes (Net Deferred Tax Assets) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureEarningsPerCommonShareReconciliationOfEarningsAndSharesUsedInCalculatingBasicAndDilutedEpsDetails" id="DisclosureEarningsPerCommonShareReconciliationOfEarningsAndSharesUsedInCalculatingBasicAndDilutedEpsDetails">
        <link:definition>41601 - Disclosure - Earnings Per Common Share (Reconciliation Of Earnings And Shares Used In Calculating Basic And Diluted EPS) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureEmployeeBenefitPlansReconciliationOfPlanSBenefitObligationsFairValueOfAssetsAndFundedStatusDetails" id="DisclosureEmployeeBenefitPlansReconciliationOfPlanSBenefitObligationsFairValueOfAssetsAndFundedStatusDetails">
        <link:definition>41702 - Disclosure - Employee Benefit Plans (Reconciliation Of The Plan's Benefit Obligations, Fair Value Of Assets And The Funded Status) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureEmployeeBenefitPlansComponentsOfNetPeriodicBenefitExpenseDetails" id="DisclosureEmployeeBenefitPlansComponentsOfNetPeriodicBenefitExpenseDetails">
        <link:definition>41704 - Disclosure - Employee Benefit Plans (Components Of Net Periodic Benefit Expense) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureEmployeeBenefitPlansMajorCategoriesOfPlanAssetsMeasuredAtFairValueOnRecurringBasisDetails" id="DisclosureEmployeeBenefitPlansMajorCategoriesOfPlanAssetsMeasuredAtFairValueOnRecurringBasisDetails">
        <link:definition>41709 - Disclosure - Employee Benefit Plans (The Major Categories Of Plan Assets Measured At Fair Value On a Recurring Basis) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureEmployeeBenefitPlansComponentsOfOtherComprehensiveLossRelatedToDefinedBenefitPlanAndPostretirementBenefitPlanDetails" id="DisclosureEmployeeBenefitPlansComponentsOfOtherComprehensiveLossRelatedToDefinedBenefitPlanAndPostretirementBenefitPlanDetails">
        <link:definition>41710 - Disclosure - Employee Benefit Plans (Components Of Other Comprehensive Loss Related To Defined Benefit Plan And Postretirement Benefit Plan) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureParentCompanyFinancialInformationCondensedStatementsOfConditionDetails" id="DisclosureParentCompanyFinancialInformationCondensedStatementsOfConditionDetails">
        <link:definition>41901 - Disclosure - Parent Company Financial Information (Condensed Statements Of Condition) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureParentCompanyFinancialInformationCondensedStatementsOfIncomeDetails" id="DisclosureParentCompanyFinancialInformationCondensedStatementsOfIncomeDetails">
        <link:definition>41902 - Disclosure - Parent Company Financial Information (Condensed Statements Of Income) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DocumentDocumentAndEntityInformation" id="DocumentDocumentAndEntityInformation">
        <link:definition>00090 - Document - Document And Entity Information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/StatementConsolidatedStatementsOfFinancialCondition" id="StatementConsolidatedStatementsOfFinancialCondition">
        <link:definition>00100 - Statement - Consolidated Statements Of Financial Condition</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/StatementConsolidatedStatementsOfFinancialConditionParenthetical" id="StatementConsolidatedStatementsOfFinancialConditionParenthetical">
        <link:definition>00105 - Statement - Consolidated Statements Of Financial Condition (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/StatementConsolidatedStatementsOfChangesInShareholdersEquity" id="StatementConsolidatedStatementsOfChangesInShareholdersEquity">
        <link:definition>00400 - Statement - Consolidated Statements Of Changes In Shareholders' Equity</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/StatementConsolidatedStatementsOfChangesInShareholdersEquityParenthetical" id="StatementConsolidatedStatementsOfChangesInShareholdersEquityParenthetical">
        <link:definition>00405 - Statement - Consolidated Statements Of Changes In Shareholders' Equity (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/StatementConsolidatedStatementsOfCashFlows" id="StatementConsolidatedStatementsOfCashFlows">
        <link:definition>00500 - Statement - Consolidated Statements Of Cash Flows</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureSummaryOfSignificantAccountingPolicies" id="DisclosureSummaryOfSignificantAccountingPolicies">
        <link:definition>10101 - Disclosure - Summary Of Significant Accounting Policies</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureBusinessCombinations" id="DisclosureBusinessCombinations">
        <link:definition>10201 - Disclosure - Business Combinations</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureInvestmentSecurities" id="DisclosureInvestmentSecurities">
        <link:definition>10301 - Disclosure - Investment Securities</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureLoansHeldForSaleAndLoanServicingRights" id="DisclosureLoansHeldForSaleAndLoanServicingRights">
        <link:definition>10401 - Disclosure - Loans Held For Sale And Loan Servicing Rights</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureLoans" id="DisclosureLoans">
        <link:definition>10501 - Disclosure - Loans</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosurePremisesAndEquipmentNet" id="DisclosurePremisesAndEquipmentNet">
        <link:definition>10601 - Disclosure - Premises And Equipment, Net</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureGoodwillAndOtherIntangibleAssets" id="DisclosureGoodwillAndOtherIntangibleAssets">
        <link:definition>10701 - Disclosure - Goodwill And Other Intangible Assets</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureDeposits" id="DisclosureDeposits">
        <link:definition>10801 - Disclosure - Deposits</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureBorrowings" id="DisclosureBorrowings">
        <link:definition>10901 - Disclosure - Borrowings</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureCommitmentsAndContingencies" id="DisclosureCommitmentsAndContingencies">
        <link:definition>11001 - Disclosure - Commitments and Contingencies</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureRegulatoryMatters" id="DisclosureRegulatoryMatters">
        <link:definition>11101 - Disclosure - Regulatory Matters</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureShareholdersEquity" id="DisclosureShareholdersEquity">
        <link:definition>11201 - Disclosure - Shareholders' Equity</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureAccumulatedOtherComprehensiveIncomeLoss" id="DisclosureAccumulatedOtherComprehensiveIncomeLoss">
        <link:definition>11301 - Disclosure - Accumulated Other Comprehensive Income (Loss)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureShareBasedCompensation" id="DisclosureShareBasedCompensation">
        <link:definition>11401 - Disclosure - Share-Based Compensation</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureIncomeTaxes" id="DisclosureIncomeTaxes">
        <link:definition>11501 - Disclosure - Income Taxes</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureEarningsPerCommonShare" id="DisclosureEarningsPerCommonShare">
        <link:definition>11601 - Disclosure - Earnings Per Common Share</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureEmployeeBenefitPlans" id="DisclosureEmployeeBenefitPlans">
        <link:definition>11701 - Disclosure - Employee Benefit Plans</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureFairValueMeasurements" id="DisclosureFairValueMeasurements">
        <link:definition>11801 - Disclosure - Fair Value Measurements</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureParentCompanyFinancialInformation" id="DisclosureParentCompanyFinancialInformation">
        <link:definition>11901 - Disclosure - Parent Company Financial Information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureSegmentReporting" id="DisclosureSegmentReporting">
        <link:definition>12001 - Disclosure - Segment Reporting</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureSummaryOfSignificantAccountingPoliciesPolicy" id="DisclosureSummaryOfSignificantAccountingPoliciesPolicy">
        <link:definition>20102 - Disclosure - Summary Of Significant Accounting Policies (Policy)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureSummaryOfSignificantAccountingPoliciesTables" id="DisclosureSummaryOfSignificantAccountingPoliciesTables">
        <link:definition>30103 - Disclosure - Summary Of Significant Accounting Policies (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureBusinessCombinationsTables" id="DisclosureBusinessCombinationsTables">
        <link:definition>30203 - Disclosure - Business Combinations (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureInvestmentSecuritiesTables" id="DisclosureInvestmentSecuritiesTables">
        <link:definition>30303 - Disclosure - Investment Securities (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureLoansHeldForSaleAndLoanServicingRightsTables" id="DisclosureLoansHeldForSaleAndLoanServicingRightsTables">
        <link:definition>30403 - Disclosure - Loans Held For Sale And Loan Servicing Rights (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureLoansTables" id="DisclosureLoansTables">
        <link:definition>30503 - Disclosure - Loans (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosurePremisesAndEquipmentNetTables" id="DisclosurePremisesAndEquipmentNetTables">
        <link:definition>30603 - Disclosure - Premises And Equipment, Net (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureGoodwillAndOtherIntangibleAssetsTables" id="DisclosureGoodwillAndOtherIntangibleAssetsTables">
        <link:definition>30703 - Disclosure - Goodwill And Other Intangible Assets (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureDepositsTables" id="DisclosureDepositsTables">
        <link:definition>30803 - Disclosure - Deposits (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureBorrowingsTables" id="DisclosureBorrowingsTables">
        <link:definition>30903 - Disclosure - Borrowings (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureCommitmentsAndContingenciesTables" id="DisclosureCommitmentsAndContingenciesTables">
        <link:definition>31003 - Disclosure - Commitments and Contingencies (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureRegulatoryMattersTables" id="DisclosureRegulatoryMattersTables">
        <link:definition>31103 - Disclosure - Regulatory Matters (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureShareholdersEquityTables" id="DisclosureShareholdersEquityTables">
        <link:definition>31203 - Disclosure - Shareholders' Equity (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureAccumulatedOtherComprehensiveIncomeLossTables" id="DisclosureAccumulatedOtherComprehensiveIncomeLossTables">
        <link:definition>31303 - Disclosure - Accumulated Other Comprehensive Income (Loss) (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureShareBasedCompensationTables" id="DisclosureShareBasedCompensationTables">
        <link:definition>31403 - Disclosure - Share-Based Compensation (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureIncomeTaxesTables" id="DisclosureIncomeTaxesTables">
        <link:definition>31503 - Disclosure - Income Taxes (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureEarningsPerCommonShareTables" id="DisclosureEarningsPerCommonShareTables">
        <link:definition>31603 - Disclosure - Earnings Per Common Share (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureEmployeeBenefitPlansTables" id="DisclosureEmployeeBenefitPlansTables">
        <link:definition>31703 - Disclosure - Employee Benefit Plans (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureFairValueMeasurementsTables" id="DisclosureFairValueMeasurementsTables">
        <link:definition>31803 - Disclosure - Fair Value Measurements (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureParentCompanyFinancialInformationTables" id="DisclosureParentCompanyFinancialInformationTables">
        <link:definition>31903 - Disclosure - Parent Company Financial Information (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureSegmentReportingTables" id="DisclosureSegmentReportingTables">
        <link:definition>32003 - Disclosure - Segment Reporting (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureSummaryOfSignificantAccountingPoliciesNarrativeDetails" id="DisclosureSummaryOfSignificantAccountingPoliciesNarrativeDetails">
        <link:definition>40101 - Disclosure - Summary Of Significant Accounting Policies (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureSummaryOfSignificantAccountingPoliciesSummaryOfSupplementalCashFlowInformationDetails" id="DisclosureSummaryOfSignificantAccountingPoliciesSummaryOfSupplementalCashFlowInformationDetails">
        <link:definition>40102 - Disclosure - Summary Of Significant Accounting Policies (Summary Of Supplemental Cash Flow Information) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureBusinessCombinationsNarrativeDetails" id="DisclosureBusinessCombinationsNarrativeDetails">
        <link:definition>40201 - Disclosure - Business Combinations (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureInvestmentSecuritiesNarrativeDetails" id="DisclosureInvestmentSecuritiesNarrativeDetails">
        <link:definition>40301 - Disclosure - Investment Securities (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureInvestmentSecuritiesSalesAndCallsOfSecuritiesAvailableForSaleDetails" id="DisclosureInvestmentSecuritiesSalesAndCallsOfSecuritiesAvailableForSaleDetails">
        <link:definition>40304 - Disclosure - Investment Securities (Sales And Calls Of Securities Available For Sale) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureLoansHeldForSaleAndLoanServicingRightsNarrativeDetails" id="DisclosureLoansHeldForSaleAndLoanServicingRightsNarrativeDetails">
        <link:definition>40401 - Disclosure - Loans Held For Sale And Loan Servicing Rights (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureLoansNarrativeDetails" id="DisclosureLoansNarrativeDetails">
        <link:definition>40501 - Disclosure - Loans (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureLoansInformationRelatedToLoansModifiedInTdrDetails" id="DisclosureLoansInformationRelatedToLoansModifiedInTdrDetails">
        <link:definition>40504 - Disclosure - Loans (Information Related To Loans Modified In A TDR) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureLoansCommercialLoanPortfolioCategorizedByInternallyAssignedAssetClassificationDetails" id="DisclosureLoansCommercialLoanPortfolioCategorizedByInternallyAssignedAssetClassificationDetails">
        <link:definition>40506 - Disclosure - Loans (Commercial Loan Portfolio Categorized By Internally Assigned Asset Classification) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureLoansRetailLoanPortfolioCategorizedByPaymentStatusDetails" id="DisclosureLoansRetailLoanPortfolioCategorizedByPaymentStatusDetails">
        <link:definition>40507 - Disclosure - Loans (Retail Loan Portfolio Categorized By Payment Status) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureLoansChangesInAllowanceForLoanLossesDetails" id="DisclosureLoansChangesInAllowanceForLoanLossesDetails">
        <link:definition>40508 - Disclosure - Loans (Changes In The Allowance For Loan Losses) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureGoodwillAndOtherIntangibleAssetsNarrativeDetails" id="DisclosureGoodwillAndOtherIntangibleAssetsNarrativeDetails">
        <link:definition>40701 - Disclosure - Goodwill And Other Intangible Assets (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureGoodwillAndOtherIntangibleAssetsChangesInCarryingAmountOfGoodwillDetails" id="DisclosureGoodwillAndOtherIntangibleAssetsChangesInCarryingAmountOfGoodwillDetails">
        <link:definition>40702 - Disclosure - Goodwill And Other Intangible Assets (Changes In Carrying Amount Of Goodwill) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureGoodwillAndOtherIntangibleAssetsEstimatedCoreDepositIntangibleAmortizationExpenseDetails" id="DisclosureGoodwillAndOtherIntangibleAssetsEstimatedCoreDepositIntangibleAmortizationExpenseDetails">
        <link:definition>40704 - Disclosure - Goodwill And Other Intangible Assets (Estimated Core Deposit Intangible Amortization Expense) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureDepositsNarrativeDetails" id="DisclosureDepositsNarrativeDetails">
        <link:definition>40801 - Disclosure - Deposits (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureBorrowingsNarrativeDetails" id="DisclosureBorrowingsNarrativeDetails">
        <link:definition>40901 - Disclosure - Borrowings (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureCommitmentsAndContingenciesNarrativeDetails" id="DisclosureCommitmentsAndContingenciesNarrativeDetails">
        <link:definition>41001 - Disclosure - Commitments and Contingencies (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureCommitmentsAndContingenciesOffBalanceSheetCommitmentsDetails" id="DisclosureCommitmentsAndContingenciesOffBalanceSheetCommitmentsDetails">
        <link:definition>41002 - Disclosure - Commitments and Contingencies (Off-Balance Sheet Commitments) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureRegulatoryMattersNarrativeDetails" id="DisclosureRegulatoryMattersNarrativeDetails">
        <link:definition>41101 - Disclosure - Regulatory Matters (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureRegulatoryMattersActualAndRequiredCapitalRatiosDetails" id="DisclosureRegulatoryMattersActualAndRequiredCapitalRatiosDetails">
        <link:definition>41102 - Disclosure - Regulatory Matters (Actual And Required Capital Ratios) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureShareholdersEquityNarrativeDetails" id="DisclosureShareholdersEquityNarrativeDetails">
        <link:definition>41201 - Disclosure - Shareholders' Equity (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureShareholdersEquityChangesInSharesOfCommonStockDetails" id="DisclosureShareholdersEquityChangesInSharesOfCommonStockDetails">
        <link:definition>41202 - Disclosure - Shareholders' Equity (Changes In Shares Of Common Stock) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureAccumulatedOtherComprehensiveIncomeLossAmountsReclassifiedOutOfEachComponentOfAccumulatedOtherComprehensiveIncomeLossDetails" id="DisclosureAccumulatedOtherComprehensiveIncomeLossAmountsReclassifiedOutOfEachComponentOfAccumulatedOtherComprehensiveIncomeLossDetails">
        <link:definition>41303 - Disclosure - Accumulated Other Comprehensive Income (Loss) (Amounts Reclassified Out Of Each Component Of Accumulated Other Comprehensive Income (Loss)) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureShareBasedCompensationNarrativeDetails" id="DisclosureShareBasedCompensationNarrativeDetails">
        <link:definition>41401 - Disclosure - Share-Based Compensation (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureShareBasedCompensationSummaryOfStockOptionActivityDetails" id="DisclosureShareBasedCompensationSummaryOfStockOptionActivityDetails">
        <link:definition>41402 - Disclosure - Share-Based Compensation (Summary Of Stock Option Activity) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureShareBasedCompensationSummaryOfRestrictedStockAwardActivityDetails" id="DisclosureShareBasedCompensationSummaryOfRestrictedStockAwardActivityDetails">
        <link:definition>41403 - Disclosure - Share-Based Compensation (Summary Of Restricted Stock Award Activity) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureShareBasedCompensationShareBasedCompensationExpenseIncludedInConsolidatedStatementsOfIncomeDetails" id="DisclosureShareBasedCompensationShareBasedCompensationExpenseIncludedInConsolidatedStatementsOfIncomeDetails">
        <link:definition>41404 - Disclosure - Share-Based Compensation (Share-Based Compensation Expense Included In Consolidated Statements Of Income) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureIncomeTaxesNarrativeDetails" id="DisclosureIncomeTaxesNarrativeDetails">
        <link:definition>41501 - Disclosure - Income Taxes (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureIncomeTaxesIncomeTaxExpenseAllocationDetails" id="DisclosureIncomeTaxesIncomeTaxExpenseAllocationDetails">
        <link:definition>41504 - Disclosure - Income Taxes (Income Tax Expense Allocation) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureEarningsPerCommonShareSharesExcludedFromComputationOfDilutedEpsDetails" id="DisclosureEarningsPerCommonShareSharesExcludedFromComputationOfDilutedEpsDetails">
        <link:definition>41602 - Disclosure - Earnings Per Common Share (Shares Excluded from Computation of Diluted EPS) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureEmployeeBenefitPlansNarrativeDetails" id="DisclosureEmployeeBenefitPlansNarrativeDetails">
        <link:definition>41701 - Disclosure - Employee Benefit Plans (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureEmployeeBenefitPlansEstimatedBenefitPaymentsUnderPensionPlanDetails" id="DisclosureEmployeeBenefitPlansEstimatedBenefitPaymentsUnderPensionPlanDetails">
        <link:definition>41703 - Disclosure - Employee Benefit Plans (Estimated Benefit Payments Under The Pension Plan) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureEmployeeBenefitPlansActuarialAssumptionsUsedNetPeriodicPensionCostDetails" id="DisclosureEmployeeBenefitPlansActuarialAssumptionsUsedNetPeriodicPensionCostDetails">
        <link:definition>41705 - Disclosure - Employee Benefit Plans (Actuarial Assumptions Used, Net Periodic Pension Cost) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureEmployeeBenefitPlansActuarialAssumptionsUsedProjectedBenefitObligationDetails" id="DisclosureEmployeeBenefitPlansActuarialAssumptionsUsedProjectedBenefitObligationDetails">
        <link:definition>41706 - Disclosure - Employee Benefit Plans (Actuarial Assumptions Used, Projected Benefit Obligation) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureEmployeeBenefitPlansTargetAllocationPercentageOfPlanAssetsAndWeightedAverageExpectedRateOfReturnDetails" id="DisclosureEmployeeBenefitPlansTargetAllocationPercentageOfPlanAssetsAndWeightedAverageExpectedRateOfReturnDetails">
        <link:definition>41707 - Disclosure - Employee Benefit Plans (Target Allocation, Percentage Of Plan Assets And Weighted Average Expected Rate Of Return) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureEmployeeBenefitPlansChangesInFairValueOfPlanAssetsDetails" id="DisclosureEmployeeBenefitPlansChangesInFairValueOfPlanAssetsDetails">
        <link:definition>41708 - Disclosure - Employee Benefit Plans (Changes In Fair Value Of Plan Assets) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureEmployeeBenefitPlansChangesInPlanAssetsAndBenefitObligationsRecognizedInOtherComprehensiveLossDetails" id="DisclosureEmployeeBenefitPlansChangesInPlanAssetsAndBenefitObligationsRecognizedInOtherComprehensiveLossDetails">
        <link:definition>41711 - Disclosure - Employee Benefit Plans (Changes In Plan Assets And Benefit Obligations Recognized In Other Comprehensive Loss) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureFairValueMeasurementsNarrativeDetails" id="DisclosureFairValueMeasurementsNarrativeDetails">
        <link:definition>41801 - Disclosure - Fair Value Measurements (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureFairValueMeasurementsAssetsMeasuredAtFairValueOnRecurringAndNonRecurringBasisDetails" id="DisclosureFairValueMeasurementsAssetsMeasuredAtFairValueOnRecurringAndNonRecurringBasisDetails">
        <link:definition>41802 - Disclosure - Fair Value Measurements (Assets Measured At Fair Value On A Recurring And Non-Recurring Basis) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureFairValueMeasurementsAdditionalQuantitativeInformationAboutAssetsMeasuredAtFairValueOnRecurringAndNonRecurringBasisDetails" id="DisclosureFairValueMeasurementsAdditionalQuantitativeInformationAboutAssetsMeasuredAtFairValueOnRecurringAndNonRecurringBasisDetails">
        <link:definition>41803 - Disclosure - Fair Value Measurements (Additional Quantitative Information About Assets Measured At Fair Value On A Recurring And Non-Recurring Basis) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureFairValueMeasurementsCarryingAmountEstimatedFairValueAndPlacementInFairValueHierarchyOfFinancialInstrumentsDetails" id="DisclosureFairValueMeasurementsCarryingAmountEstimatedFairValueAndPlacementInFairValueHierarchyOfFinancialInstrumentsDetails">
        <link:definition>41804 - Disclosure - Fair Value Measurements (Carrying Amount, Estimated Fair Value, And Placement In Fair Value Hierarchy Of Financial Instruments) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureParentCompanyFinancialInformationCondensedStatementsOfCashFlowsDetails" id="DisclosureParentCompanyFinancialInformationCondensedStatementsOfCashFlowsDetails">
        <link:definition>41903 - Disclosure - Parent Company Financial Information (Condensed Statements Of Cash Flows) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureSegmentReportingNarrativeDetails" id="DisclosureSegmentReportingNarrativeDetails">
        <link:definition>42001 - Disclosure - Segment Reporting (Narrative) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureSegmentReportingBusinessSegmentAssetsDetails" id="DisclosureSegmentReportingBusinessSegmentAssetsDetails">
        <link:definition>42002 - Disclosure - Segment Reporting (Business Segment Assets) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://www.fiiwarsaw.com/role/DisclosureSegmentReportingBusinessSegmentProfitLossDetails" id="DisclosureSegmentReportingBusinessSegmentProfitLossDetails">
        <link:definition>42003 - Disclosure - Segment Reporting (Business Segment Profit (Loss)) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:linkbaseRef xlink:type="simple" xlink:href="fisi-20151231_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Definition Links, all" />
      <link:linkbaseRef xlink:type="simple" xlink:href="fisi-20151231_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Presentation Links, all" />
      <link:linkbaseRef xlink:type="simple" xlink:href="fisi-20151231_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Label Links, all" />
      <link:linkbaseRef xlink:type="simple" xlink:href="fisi-20151231_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Calculation Links, all" />
    </appinfo>
  </annotation>
  <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
  <import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" />
  <import namespace="http://xbrl.sec.gov/dei/2014-01-31" schemaLocation="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd" />
  <import namespace="http://xbrl.sec.gov/invest/2013-01-31" schemaLocation="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd" />
  <import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" />
  <import namespace="http://www.xbrl.org/dtr/type/non-numeric" schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" />
  <import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd" />
  <import namespace="http://www.xbrl.org/2009/role/net" schemaLocation="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd" />
  <import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" />
  <import namespace="http://fasb.org/us-gaap/2014-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd" />
  <import namespace="http://xbrl.sec.gov/stpr/2011-01-31" schemaLocation="http://xbrl.sec.gov/stpr/2011/stpr-2011-01-31.xsd" />
  <element id="fisi_DocumentAndEntityInformationAbstract" name="DocumentAndEntityInformationAbstract" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <element id="fisi_Series3PreferredStockMember" name="Series3PreferredStockMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_AtmAndDebitCard" name="AtmAndDebitCard" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="fisi_IncrementalCommonSharesAttributableToVestingOfRestrictedStockAwards" name="IncrementalCommonSharesAttributableToVestingOfRestrictedStockAwards" nillable="true" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_ManagementStockIncentivePlanMember" name="ManagementStockIncentivePlanMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_DirectorStockIncentivePlanMember" name="DirectorStockIncentivePlanMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_ForwardSalesCommitments" name="ForwardSalesCommitments" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="fisi_OtherAssetBackedSecuritiesMember" name="OtherAssetBackedSecuritiesMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_LoansHeldForSaleMember" name="LoansHeldForSaleMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_CollateralDependentImpairedFinancingReceivableMember" name="CollateralDependentImpairedFinancingReceivableMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_RetailLoanPortfolioCategorizedByPaymentStatusTableTextBlock" name="RetailLoanPortfolioCategorizedByPaymentStatusTableTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_ConsumerOverdraftsMember" name="ConsumerOverdraftsMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_ConsumerIndirectMember" name="ConsumerIndirectMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_ShareholdersEquityTable" name="ShareholdersEquityTable" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" xbrli:periodType="duration" />
  <element id="fisi_ShareholdersEquityLineItems" name="ShareholdersEquityLineItems" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <element id="fisi_PaymentForRepurchaseOfSeriesBOneEightPointFourEightPercentPreferredStock" name="PaymentForRepurchaseOfSeriesBOneEightPointFourEightPercentPreferredStock" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="fisi_AvailableForSaleSecuritiesInUnrealizedLossPositionsTwelveMonthsOrLongerQualitativeDisclosureNumberOfPositions" name="AvailableForSaleSecuritiesInUnrealizedLossPositionsTwelveMonthsOrLongerQualitativeDisclosureNumberOfPositions" nillable="true" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <element id="fisi_AvailableForSaleSecuritiesInUnrealizedLossPositionsLessThanTwelveMonthsQualitativeDisclosureNumberOfPositions" name="AvailableForSaleSecuritiesInUnrealizedLossPositionsLessThanTwelveMonthsQualitativeDisclosureNumberOfPositions" nillable="true" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <element id="fisi_CommercialAndIndustrialMember" name="CommercialAndIndustrialMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_OtherRealEstateOwnedOtherReceivableMember" name="OtherRealEstateOwnedOtherReceivableMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_CashFlowReportingPolicyTextBlock" name="CashFlowReportingPolicyTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_OtherRealEstateOwnedPolicyPolicyTextBlock" name="OtherRealEstateOwnedPolicyPolicyTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_CompanyOwnedLifeInsurancePolicyTextBlock" name="CompanyOwnedLifeInsurancePolicyTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_FederalHomeLoanBankAndFederalReserveBankStockPolicyPolicyTextBlock" name="FederalHomeLoanBankAndFederalReserveBankStockPolicyPolicyTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_TreasuryStockPolicyPolicyTextBlock" name="TreasuryStockPolicyPolicyTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_EmployeeBenefitsPolicyPolicyTextBlock" name="EmployeeBenefitsPolicyPolicyTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_RepurchaseOfSeriesThreePercentagePreferredStock" name="RepurchaseOfSeriesThreePercentagePreferredStock" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="fisi_LoansHeldForSaleAndLoanServicingRightsPolicyPolicyTextBlock" name="LoansHeldForSaleAndLoanServicingRightsPolicyPolicyTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_DaysPastDueWhenLoansAreGenerallyPlacedOnNonaccrualStatusInDays" name="DaysPastDueWhenLoansAreGenerallyPlacedOnNonaccrualStatusInDays" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardExpirationPeriod" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardExpirationPeriod" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_TargetAllocationPercentageOfPlanAssetsAndWeightedAverageExpectedRateOfReturnTableTextBlock" name="TargetAllocationPercentageOfPlanAssetsAndWeightedAverageExpectedRateOfReturnTableTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_InvestmentStrategyPercentageInLongTermGrowth" name="InvestmentStrategyPercentageInLongTermGrowth" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_InvestmentStrategyPercentageInNearTermBenefitPayments" name="InvestmentStrategyPercentageInNearTermBenefitPayments" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_MaximumPercentageOfSecuritiesPurchasingAllowedOfPortfolioAtAnyTime" name="MaximumPercentageOfSecuritiesPurchasingAllowedOfPortfolioAtAnyTime" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_MaximumMarketValuePurchasePercentageAllowedOfAnyOneIssuer" name="MaximumMarketValuePurchasePercentageAllowedOfAnyOneIssuer" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_PortfolioManagementControlledPercentage" name="PortfolioManagementControlledPercentage" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_InvestmentFirmOneMember" name="InvestmentFirmOneMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_InvestmentFirmTwoMember" name="InvestmentFirmTwoMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_FirstThreePercentOfParticipantSContributionMember" name="FirstThreePercentOfParticipantSContributionMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_NextThreePercentOfParticipantSContributionMember" name="NextThreePercentOfParticipantSContributionMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_LoanServicingRightsMember" name="LoanServicingRightsMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_NonMaturityDepositsFairValueDisclosure" name="NonMaturityDepositsFairValueDisclosure" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageDateOfGrant" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageDateOfGrant" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageOneYearFromDateOfGrant" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageOneYearFromDateOfGrant" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_SalariesAndEmployeeBenefitsMember" name="SalariesAndEmployeeBenefitsMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_EarningsPerSharePerformanceRequirementMember" name="EarningsPerSharePerformanceRequirementMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_RelativeTotalShareholderReturnPerformanceRequirementMember" name="RelativeTotalShareholderReturnPerformanceRequirementMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageCurrentFiscalYearEnd" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageCurrentFiscalYearEnd" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageThreeYearPerformancePeriod" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPercentageThreeYearPerformancePeriod" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_VestedImmediatelyMember" name="VestedImmediatelyMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_VestedAfterCompletionOfOneYearServiceRequirementMember" name="VestedAfterCompletionOfOneYearServiceRequirementMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_SecuritiesTransferredFromAvailableForSaleToHeldToMaturityAtFairValue" name="SecuritiesTransferredFromAvailableForSaleToHeldToMaturityAtFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="fisi_LoansTransferredFromHeldForSaleToHeldForInvestment" name="LoansTransferredFromHeldForSaleToHeldForInvestment" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="fisi_OtherComprehensiveIncomeLossTransfersFromAvailableForSaleToHeldToMaturitySecuritiesBeforeTax" name="OtherComprehensiveIncomeLossTransfersFromAvailableForSaleToHeldToMaturitySecuritiesBeforeTax" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="fisi_OtherNoninterestExpensesMember" name="OtherNoninterestExpensesMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_NoninterestIncomeInvestmentsInLimitedPartnerships" name="NoninterestIncomeInvestmentsInLimitedPartnerships" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments" name="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments" name="AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="fisi_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments" name="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="fisi_BankingSegmentMember" name="BankingSegmentMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_InsuranceSegmentMember" name="InsuranceSegmentMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_HoldingCompanyAndOtherSegmentMember" name="HoldingCompanyAndOtherSegmentMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_ScottDanahyNaylonCo.Inc.Member" name="ScottDanahyNaylonCo.Inc.Member" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_InvestmentSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" name="InvestmentSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="fisi_InvestmentSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" name="InvestmentSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="fisi_InvestmentSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" name="InvestmentSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="fisi_InvestmentSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" name="InvestmentSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="fisi_InvestmentSecuritiesContinuousUnrealizedLossPositionFairValue" name="InvestmentSecuritiesContinuousUnrealizedLossPositionFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="fisi_InvestmentSecuritiesAccumulatedUnrecognizedHoldingLoss" name="InvestmentSecuritiesAccumulatedUnrecognizedHoldingLoss" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="fisi_LoansHeldForSaleAndLoanServicingRightsAbstract" name="LoansHeldForSaleAndLoanServicingRightsAbstract" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <element id="fisi_LoansHeldForSaleAndLoanServicingRightsDisclosureTextBlock" name="LoansHeldForSaleAndLoanServicingRightsDisclosureTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_RegulatoryMattersAbstract" name="RegulatoryMattersAbstract" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <element id="fisi_ActivityInCapitalizedMortgageServicingAssetsTableTextBlock" name="ActivityInCapitalizedMortgageServicingAssetsTableTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_SummaryOfDepositsTableTextBlock" name="SummaryOfDepositsTableTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_InterestExpenseByDepositsTypeTableTextBlock" name="InterestExpenseByDepositsTypeTableTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_IncomeTaxExpenseAllocationTableTextBlock" name="IncomeTaxExpenseAllocationTableTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_SignificantAccountingPoliciesTable" name="SignificantAccountingPoliciesTable" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" xbrli:periodType="duration" />
  <element id="fisi_SoftwareFurnitureAndEquipmentMember" name="SoftwareFurnitureAndEquipmentMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_SignificantAccountingPoliciesLineItems" name="SignificantAccountingPoliciesLineItems" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <element id="fisi_DaysPastDueWhenLoansAreGenerallyChargedOffInFullInDays" name="DaysPastDueWhenLoansAreGenerallyChargedOffInFullInDays" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_GeneralPeriodAfterLoansBecomeCurrentAccrualStatusReturnedInMonths" name="GeneralPeriodAfterLoansBecomeCurrentAccrualStatusReturnedInMonths" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_DebtOutstandingOriginalTermInYears" name="DebtOutstandingOriginalTermInYears" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_DividendsAccruedAndDeclaredButNotYetPaid" name="DividendsAccruedAndDeclaredButNotYetPaid" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="fisi_IncreaseInNetUnsettledSecurityTransactions" name="IncreaseInNetUnsettledSecurityTransactions" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="fisi_SecuritiesTransferredFromAvailableForSaleToHeldToMaturity" name="SecuritiesTransferredFromAvailableForSaleToHeldToMaturity" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="fisi_ResidentialRealEstateMortgagesServicedForOthers" name="ResidentialRealEstateMortgagesServicedForOthers" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="fisi_MortgageServicingAssetsBeforeValuationAllowance" name="MortgageServicingAssetsBeforeValuationAllowance" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="fisi_MortgageServicingAssetsValuationAllowance" name="MortgageServicingAssetsValuationAllowance" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="fisi_MortgageServicingAssetsNetOfValuationAllowance" name="MortgageServicingAssetsNetOfValuationAllowance" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="fisi_OccupancyAndEquipmentExpenseMember" name="OccupancyAndEquipmentExpenseMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_BuildingsAndLeaseholdImprovementsMember" name="BuildingsAndLeaseholdImprovementsMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_FurnitureFixturesEquipmentAndVehiclesMember" name="FurnitureFixturesEquipmentAndVehiclesMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_FederalHomeLoanBankOvernightBorrowingsMember" name="FederalHomeLoanBankOvernightBorrowingsMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_FederalHomeLoanBorrowingsShortTermAdvancesMember" name="FederalHomeLoanBorrowingsShortTermAdvancesMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_FederalReserveBankOfNewYorkMember" name="FederalReserveBankOfNewYorkMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_BankMember" name="BankMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_SeriesaThreePercentPreferredStockMember" name="SeriesaThreePercentPreferredStockMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_CapitalSharesAuthorized" name="CapitalSharesAuthorized" nillable="true" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <element id="fisi_CommonStockIssuedMember" name="CommonStockIssuedMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_EffectiveIncomeTaxRateReconciliationNonTaxableEarningsOnCompanyOwnedLifeInsurance" name="EffectiveIncomeTaxRateReconciliationNonTaxableEarningsOnCompanyOwnedLifeInsurance" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_DeferredTaxAssetsOtherThanTemporaryImpairmentOfInvestmentSecurities" name="DeferredTaxAssetsOtherThanTemporaryImpairmentOfInvestmentSecurities" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="fisi_DeferredTaxAssetsInterestOnNonaccrualLoans" name="DeferredTaxAssetsInterestOnNonaccrualLoans" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="fisi_DeferredTaxAsetsNetUnrealizedLossOnSecuritiesAvailableForSale" name="DeferredTaxAsetsNetUnrealizedLossOnSecuritiesAvailableForSale" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="fisi_DeferredTaxLiabilitiesDepreciationAndAmortization" name="DeferredTaxLiabilitiesDepreciationAndAmortization" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="fisi_DeferredTaxLiabilitiesNetUnrealizedGainsOnSecuritiesAvailableForSale" name="DeferredTaxLiabilitiesNetUnrealizedGainsOnSecuritiesAvailableForSale" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="fisi_PortfolioConcentrationCommingledTrustFund1Member" name="PortfolioConcentrationCommingledTrustFund1Member" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_PortfolioConcentrationCommingledTrustFund2Member" name="PortfolioConcentrationCommingledTrustFund2Member" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_PortfolioConcentrationShortTermInvestmentFundMember" name="PortfolioConcentrationShortTermInvestmentFundMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_EffectiveFebruaryTwoThousandTwelveMember" name="EffectiveFebruaryTwoThousandTwelveMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_CommercialMortgageBackSecuritiesAndAssetsBackedSecuritiesMember" name="CommercialMortgageBackSecuritiesAndAssetsBackedSecuritiesMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_SecuritiesLessThanAqualityMember" name="SecuritiesLessThanAqualityMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_DefinedBenefitPlanWeightedAverageExpectedLongTermRateOfReturn" name="DefinedBenefitPlanWeightedAverageExpectedLongTermRateOfReturn" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_DepositoryReceiptsMember" name="DepositoryReceiptsMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_GovernmentNationalMortgageAssociationCertificatesAndObligationsGnmaTwoMember" name="GovernmentNationalMortgageAssociationCertificatesAndObligationsGnmaTwoMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_FixedIncomeSecurities" name="FixedIncomeSecurities" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="fisi_CashAndDueFromSubsidiary" name="CashAndDueFromSubsidiary" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="fisi_IncomeBeforeEquityInUndistributedEarningsOfSubsidiary" name="IncomeBeforeEquityInUndistributedEarningsOfSubsidiary" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="fisi_LossEmergencePeriod" name="LossEmergencePeriod" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_LossRateLookBackPeriod" name="LossRateLookBackPeriod" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_NumberOfYearsUsedForCompensationCalculation" name="NumberOfYearsUsedForCompensationCalculation" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_DebtInstrumentNumberOfYearsAtStatedRate" name="DebtInstrumentNumberOfYearsAtStatedRate" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_NumberOfNonEmployeeDirectors" name="NumberOfNonEmployeeDirectors" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_DebtIssuanceCostAmortizationPeriod" name="DebtIssuanceCostAmortizationPeriod" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_SubordinatedNotes1Member" name="SubordinatedNotes1Member" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_LongTermIncentivePlan2015Member" name="LongTermIncentivePlan2015Member" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_EffectiveIncomeTaxRateReconciliationGoodwillAndContingentConsiderationAdjustmentsPercent" name="EffectiveIncomeTaxRateReconciliationGoodwillAndContingentConsiderationAdjustmentsPercent" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_PhaseInScheduleMember" name="PhaseInScheduleMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_FullyPhasedInMember" name="FullyPhasedInMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_TangibleCapitalRequiredToBeWellCapitalizedToTangibleAssets" name="TangibleCapitalRequiredToBeWellCapitalizedToTangibleAssets" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <element id="fisi_TangibleCapitalRequiredToBeWellCapitalized" name="TangibleCapitalRequiredToBeWellCapitalized" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="fisi_DefinedBenefitPlanUnrealizedGainLoss" name="DefinedBenefitPlanUnrealizedGainLoss" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="fisi_PortfolioConcentrationExchangeTradedFundMember" name="PortfolioConcentrationExchangeTradedFundMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_OtherFinancialInstrumentsMember" name="OtherFinancialInstrumentsMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="fisi_CapitalConservationBuffer" name="CapitalConservationBuffer" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
</schema>
