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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 11-K
[X] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
For the fiscal year ended December 31, 1999
OR
[ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
Commission file number 0-23975
A. FULL TITLE OF THE PLAN AND THE ADDRESS OF THE PLAN, IF DIFFERENT FROM THAT
OF THE ISSUER NAMED BELOW:
First Niagara Bank 401(k) Plan
6950 South Transit Road
Lockport, New York 14095-0514
B. NAME OF THE ISSUER OF THE SECURITIES HELD PURSUANT TO THE PLAN AND THE
ADDRESS OF ITS PRINCIPAL EXECUTIVE OFFICE:
First Niagara Financial Group, Inc.
6950 South Transit Road
Lockport, New York 14095-0514
REQUIRED INFORMATION
The First Niagara Bank 401(k) Plan (the "Plan") is subject to ERISA and
therefore is filing the financial statements and schedules prepared in
accordance with the financial reporting requirements of ERISA, as of and
for the years ended December 31, 1999 and 1998, as an exhibit to this
report. Such Plan financial statements and schedules include an Independent
Auditors' Report thereon.
EXHIBIT INDEX
23 Consent of KPMG LLP
99 First Niagara Bank 401(k) Plan Financial Statements and Schedules as
of and for the years ended December 31, 1999 and 1998, with
Independent Auditors' Report thereon.
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the
Compensation Committee of the Board of Directors of First Niagara Bank (as
administrator of the Plan) has caused this annual report to be signed on
its behalf by the undersigned hereunto duly authorized.
First Niagara Bank 401(k)
Date: June 25, 2000 By: /s/ Kathleen P. Monti
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Kathleen P. Monti
Executive Vice President
Human Resources & Administration
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