<SEC-DOCUMENT>0001299933-16-002807.txt : 20160729
<SEC-HEADER>0001299933-16-002807.hdr.sgml : 20160729
<ACCEPTANCE-DATETIME>20160729104757
ACCESSION NUMBER:		0001299933-16-002807
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20160729
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20160729
DATE AS OF CHANGE:		20160729

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FINANCIAL INSTITUTIONS INC
		CENTRAL INDEX KEY:			0000862831
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				160816610
		STATE OF INCORPORATION:			NY
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-26481
		FILM NUMBER:		161792514

	BUSINESS ADDRESS:	
		STREET 1:		220 LIBERTY STREET
		CITY:			WARSAW
		STATE:			NY
		ZIP:			14569
		BUSINESS PHONE:		5857861100

	MAIL ADDRESS:	
		STREET 1:		220 LIBERTY STREET
		CITY:			WARSAW
		STATE:			NY
		ZIP:			14569
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>htm_53872.htm
<DESCRIPTION>LIVE FILING
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<TITLE> Financial Institutions, Inc. (Form: 8-K) </TITLE>
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		UNITED STATES<BR>
	SECURITIES AND EXCHANGE COMMISSION
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	WASHINGTON, D.C. 20549
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	FORM 8-K
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	CURRENT REPORT
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	Pursuant to Section&nbsp;13 or 15(d) of the Securities Exchange Act of 1934
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	Date of Report (Date of Earliest Event Reported):
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	July 29, 2016
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	Financial Institutions, Inc.
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<BR>__________________________________________<BR>
	(Exact name of registrant as specified in its charter)
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	New York
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	0-26481
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	16-0816610
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_____________________<BR>
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_____________<BR>
	(Commission
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	of incorporation)
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	File Number)
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	Identification No.)
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	220 Liberty Street, Warsaw, New York
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	&nbsp;
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	14569
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_________________________________<BR>
	(Address of principal executive offices)
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___________<BR>
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	Registrant&#146;s telephone number, including area code:
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	585-786-1100
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	Not Applicable
<BR>______________________________________________<BR>
	Former name or former address, if changed since last report
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	&nbsp;
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Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any
of the following provisions:</FONT>
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[&nbsp;&nbsp;]&nbsp;&nbsp;Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)<br>
[&nbsp;&nbsp;]&nbsp;&nbsp;Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)<br>
[&nbsp;&nbsp;]&nbsp;&nbsp;Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))<br>
[&nbsp;&nbsp;]&nbsp;&nbsp;Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))<br>
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	Item 8.01 Other Events.
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On July 29, 2016, Financial Institutions, Inc. (the "Company") issued a press release naming Mr. Vito Caraccio as the Senior Vice President, Director of Business Banking for its subsidiary, Five Star Bank.<br><br>A copy of the press release is furnished as Exhibit 99.1 to this Form 8-K.
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	Item 9.01 Financial Statements and Exhibits.
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(d) Exhibits<br><br>Exhibit 99.1 Press Release issued by Financial Institutions, Inc. on July 29, 2016.
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	SIGNATURES
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	Pursuant to the requirements of the Securities Exchange Act of 1934, the
	registrant has duly caused this report to be signed on its behalf by the
	undersigned hereunto duly authorized.
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	Financial Institutions, Inc.
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<I>
	July 29, 2016
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	By:
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<I>
	Kevin B. Klotzbach
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	Name: Kevin B. Klotzbach
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	Title: Executive Vice President, Chief Financial Officer and Treasurer
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	Exhibit&nbsp;Index
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	Exhibit No.
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	99.1
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Press Release issued by Financial Institutions, Inc. on July 29. 2016
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<P align="right" style="font-size: 10pt"><FONT style="font-size: 14pt"><U><B>Exhibit&nbsp;99.1</B></U></FONT>



<P align="left" style="font-size: 14pt"><FONT style="font-size: 24pt"><B>Financial Institutions, Inc.</B>
</FONT>
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    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT style="font-size: 20pt"><B>NEWS RELEASE</B></FONT></DIV></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="center"><FONT style="font-size: 20pt"><B>220 Liberty Street</B></FONT></TD>
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    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT style="font-size: 10pt"><B><I>For Immediate Release</I></B></FONT></DIV></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="center"><FONT style="font-size: 10pt"><B>Warsaw, NY  14569</B></FONT></TD>
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<P align="center" style="font-size: 10pt"><FONT style="font-size: 12pt"><B>FIVE STAR BANK NAMES VITO CARACCIO SENIOR VICE PRESIDENT,<BR>
DIRECTOR OF BUSINESS BANKING</B></FONT>



<P align="center" style="font-size: 12pt"><B><I>Fairport resident will be instrumental in the success<BR>
of small business lending, fee-based lines, and merchant services</I></B>



<P align="left" style="font-size: 12pt"><FONT style="font-size: 10pt"><B>WARSAW, N.Y., July&nbsp;29, 2016 </B>&#151; In a move to expand and deepen its small and mid-sized business
banking services, Five Star Bank (the &#147;Bank&#148;), a subsidiary of Financial Institutions, Inc. (the
&#147;Company&#148;) (NASDAQ: FISI), has hired Vito Caraccio as Senior Vice President, Director of Business
Banking. In this newly-established role, Mr.&nbsp;Caraccio will have oversight of small business
lending, fee-based lines of business-related cash management and merchant services. He will also
serve on the Bank&#146;s Executive Loan Committee.
</FONT>

<P align="left" style="font-size: 10pt">Prior to joining Five Star Bank, Mr.&nbsp;Caraccio served First Niagara Financial Group as Senior Vice
President, Corporate Banking Team Leader in Rochester, N.Y. Previously, he was Senior Vice
President, Business Development Leader and Relationship Manager for JP Morgan Chase of Western New
York, and held executive roles with KeyBank and FleetBoston Financial in Rochester, N.Y., the Bank
of New York in White Plains, N.Y., and Chemical Banking Corporation in New York City.


<P align="left" style="font-size: 10pt">&#147;We&#146;re delighted to welcome Vito to Five Star Bank,&#148; said Martin K. Birmingham, President and Chief
Executive Officer of Financial Institutions, Inc. &#147;His outstanding talent and exemplary reputation
as a commercial banker of the highest integrity, energy, and passion for his customers will be a
powerful asset to Five Star&#146;s small business lending and the community we serve.&#148;


<P align="left" style="font-size: 10pt">Mr.&nbsp;Caraccio holds a bachelor of business administration degree in finance from the University of
Texas at El Paso, and is a veteran of the United States Marine Corps. He serves on the board of
directors and as treasurer of the Veterans Outreach Center and is a member of Rochester Rotary. He
has served on the executive boards of the Small Business Council and the Urban League of Rochester.
Additionally, he has been involved with the Greater Rochester Chamber of Commerce, the Rochester
International Business Roundtable, the American Red Cross and United Way. He lives in Fairport with
his wife, Kristen, and their four children.


<P align="left" style="font-size: 10pt">Mr.&nbsp;Caraccio joins Five Star Bank&#146;s recently announced growth-centered executive leadership
structure, designed to further accelerate its momentum serving communities across Western New York.


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


<P align="left" style="font-size: 10pt">Financial Institutions, Inc. provides diversified financial services through its subsidiaries, Five
Star Bank, Scott Danahy Naylon and Courier Capital. Five Star Bank provides a wide range of
consumer and commercial banking services to individuals, municipalities and businesses through a
network of over 50 offices and more than 60 ATMs throughout Western and Central New York State.
Scott Danahy Naylon provides a broad range of insurance services to personal and business clients
across 44 states. Courier Capital provides customized investment management, investment consulting
and retirement plan services to individuals, businesses, institutions, foundations and retirement
plans.&nbsp; Financial Institutions, Inc. and its subsidiaries employ approximately 700 individuals.
The Company&#146;s stock is listed on the Nasdaq Global Select Market under the symbol FISI and is a
member of the NASDAQ OMX ABA Community Bank Index. Additional information is available at the
Company&#146;s website: <U><I>www.fiiwarsaw.com</I></U>.


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


<P align="left" style="font-size: 10pt"><I>This press release may contain forward-looking statements as defined by Section&nbsp;21E of the
Securities Exchange Act of 1934, as amended, that involve significant risks and uncertainties.
Statements herein are based on certain assumptions and analyses by the Company and are factors it
believes are appropriate in the circumstances. Actual results could differ materially from those
contained in or implied by such statements for a variety of reasons including, but not limited to:
the Company&#146;s ability to implement its strategic plan, the Company&#146;s ability to redeploy investment
assets into loan assets, whether the Company experiences greater credit losses than expected,
whether the Company experiences breaches of its, or third party, information systems, the attitudes
and preferences of the Company&#146;s customers, the Company&#146;s ability to successfully integrate and
profitably operate Scott Danahy Naylon and Courier Capital, the competitive environment,
fluctuations in the fair value of securities in its investment portfolio, changes in the regulatory
environment and the Company&#146;s compliance with regulatory requirements, changes in interest rates,
general economic and credit market conditions nationally and regionally, and costs associated with
responding to the demands of an activist shareholder. Consequently, all forward-looking statements
made herein are qualified by these cautionary statements and the cautionary language in the
Company&#146;s Annual Report on </I><I>Form 10-K</I><I>, its Quarterly Reports on </I><I>Form 10-Q</I><I> and other documents filed
with the SEC.&nbsp; Except as required by law, the Company undertakes no obligation to revise these
statements following the date of this press release.</I>


<P align="center" style="font-size: 10pt">*****


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    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px"><B>For additional information:</B>
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><BR></TD>
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<TR valign="bottom" style="font-size: 10pt">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Investors:
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">News Media:</TD>
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<TR style="font-size: 1px">
    <TD valign="top" style="border-top: 1px solid #000000"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="border-top: 1px solid #000000">&nbsp;</TD>
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    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Kevin B. Klotzbach
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Brandonne Rankin</TD>
</TR>
<TR valign="bottom" style="font-size: 10pt">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Executive Vice President, Chief Financial Officer &#038; Treasurer
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">McDougall Communications</TD>
</TR>
<TR valign="bottom" style="font-size: 10pt">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Phone: 585.786.1130
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Phone: 585.313.3683</TD>
</TR>
<TR valign="bottom" style="font-size: 10pt">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Email: KBKlotzbach@five-starbank.com
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Email: brankin@mcdougallpr.com</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top" style="border-top: 1px solid #000000"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom" style="font-size: 10pt">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Jordan Darrow
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><BR></TD>
</TR>
<TR valign="bottom" style="font-size: 10pt">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Darrow Associates
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><BR></TD>
</TR>
<TR valign="bottom" style="font-size: 10pt">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Phone: 512-551-9296
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><BR></TD>
</TR>
<TR valign="bottom" style="font-size: 10pt">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Email: jdarrow@darrowir.com
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><BR></TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top" style="border-top: 1px solid #000000"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><BR></TD>
</TR>
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