UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
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SCHEDULE 13G
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INFORMATION STATEMENT PURSUANT TO RULES 13D-1 AND 13D-2
UNDER THE SECURITIES EXCHANGE ACT OF 1934
FINANCIAL INSTITUTIONS, INC.
(NAME OF ISSUER)
COMMON STOCK $.01 PAR VALUE
(TITLE OF CLASS OF SECURITIES)
317585 40 4
(CUSIP NUMBER)
DECEMBER 31, 2003
(DATE OF EVENT WHICH REQUIRES FILING OF THIS STATEMENT)
Check the appropriate box to designate the rule pursuant to which this Schedule
is filed:
|X| Rule 13d-1 (b)
|_| Rule 13d-1 (c)
|_| Rule 13d-1 (d)
CUSIP NO. 317585 40 4 13G Page 2 of 4 pages
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1. NAME OF REPORTING PERSON, I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
(ENTITIES ONLY):
Wyoming County Bank
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2. CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*: (a) |_|
(b) |_|
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3. SEC USE ONLY
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4. CITIZENSHIP OR PLACE OF ORGANIZTION:
New York
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5. SOLE VOTING POWER:
NUMBER OF 869,989
SHARES --------------------------------------------------------
BENEFICIALLY 6. SHARED VOTING POWER:
OWNED BY
EACH
REPORTING --------------------------------------------------------
PERSON WITH 7. SOLE DISPOSITIVE POWER:
869,989
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8. SHARED DISPOSITIVE POWER:
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9. AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON:
869,989
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10. CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES: |_|
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11. PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9):
7.79%
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12. TYPE OF REPORTING PERSON:
BK
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CUSIP NO. 317585 40 4 13G Page 3 of 4 pages
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13G
Under the Securities Exchange Act of 1934
FINANCIAL INSTITUTIONS, INC.
(Name of Company)
ITEM 1(A). NAME OF ISSUER:
Financial Institutions, Inc.
ITEM 1(B). ADDRESS OF ISSUER'S PRINCIPAL EXECUTIVE OFFICES:
220 Liberty Street, Warsaw, New York 14569
ITEM 2(A). NAME OF PERSON FILING:
Wyoming County Bank
ITEM 2(B) ADDRESS OF PRINCIPAL BUSINESS OFFICE:
220 Liberty Street, Warsaw, New York 14569
ITEM 2(C) CITIZENSHIP OR PLACE OF ORGANIZATION
New York
ITEM 2(D) TITLE OF CLASS OF SECURITIES:
Common Stock $.01 par value
ITEM 2(E) CUSIP NUMBER:
317585 40 4
ITEM (3) IF THIS STATEMENT IS FILED PURSUANT TO RULE 13D-1 (B), OR 13D-2 (B)
OR (C), CHECK WHETHER THE PERSON FILING IS A:
(a) |_| Broker or Dealer registered under Section 15 of the
Securities Exchange Act of 1934 (the "Act")
(b) |X| Bank as defined in Section 3 (a) (6) of the Act
(c) |_| Insurance Company as defined in Section 3 (a) (19) of the
Act
(d) |_| Investment Company registered under Section 8 of the
Investment Company Act of 1940.
(e) |_| An investment adviser in accordance with Rule 13d-1 (b)
(1) (ii) (E);
(f) |_| An employee benefit plan or endowment fund in accordance
with Rule13d-1 (b) (1) (ii) (F);
(g) |_| A parent holding company or control person in accordance
with Rule 13d-1 (b) (1) (ii) (G);
(h) |_| A savings association as defined in Section 3(b) of the
Federal Deposit Insurance Act;
(i) |_| A church plan that is excluded from the definition of an
investment company under Section 3(c)(14) of the
Investment Company Act;
(j) |_| A Group, in accordance with Rule 13d-1 (b) (1) (ii) (J).
If this statement is filed pursuant to Rule 13d-1(c), check this
box. |_|
CUSIP NO. 317585 40 4 13G Page 4 of 4 pages
ITEM 4. OWNERSHIP
(A) AMOUNT BENEFICIALLY OWNED: 869,989 Common Stock $.01 par value
(B) PERCENT OF CLASS 7.79%
(C) NUMBER OF SHARES AS TO WHICH SUCH PERSON HAS:
(I) SOLE POWER TO VOTE OR DIRECT THE VOTE:
869,989 Common Stock $.01 par value
(II) SHARED POWER TO VOTE OR DIRECT THE VOTE:
None.
(III) SOLE POWER TO DISPOSE OR DIRECT THE DISPOSITION OF:
869,989 Common Stock $.01 par value
(IV) SHARED POWER TO DISPOE OR DIRECT THE DIPOSITION OF:
None.
ITEM 5. OWNERSHIP OF FIVE PERCENT OR LESS OF A CLASS.
Not applicable.
ITEM 6. OWNERSHIP OF FIVE PERCENT ON BEHALF OF ANOTHER PERSON.
Not applicable.
ITEM 7. IDENTIFICATION AND CLASSIFICATION OF THE SUBSIDIARY WHICH ACQUIRED
THE SECURITY BEING REPORTED ON BY THE PARENT HOLDING COMPANY.
Not applicable.
ITEM 8. IDENTIFIACTION AND CLASSIFICATION OF MEMBERS OF THE GROUP.
Not applicable.
ITEM 9. NOTICE OF DISSOLUTION OF GROUP.
Not applicable.
ITEM 10. CERTIFICATION
By signing below I certify that, to the best of my knowledge and
belief, the securities referred to above were acquired in the
ordinary course of business and were not acquired for the purpose of
and do not have the effect of changing or influencing the control of
the issuer of such securities and were not acquired in connection
with or as a participant in any transaction having such purpose or
effect.
SIGNATURES
After reasonable inquiry and to the best of his and its knowledge
and belief, he undersigned certifies that the information set forth
in this statement is true, complete and correct.
Dated: February 13, 2004
/s/ Kevin Maroney
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Kevin Maroney
Senior Vice President
Wyoming County Bank