EVANS BANCORP INC
SC 13G/A, 1998-02-12
NATIONAL COMMERCIAL BANKS
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<PAGE>   1
                                  SCHEDULE 13G

                                (AMENDMENT NO. 2)

                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                    UNDER THE SECURITIES EXCHANGE ACT OF 1934


                               EVANS BANCORP, INC.
                               -------------------
                                (NAME OF ISSUER)

                                  COMMON STOCK
                         (TITLE OF CLASS OF SECURITIES)


                                   29911Q 20 8

                    -----------------------------------------
                                 (CUSIP Number)


Check the following box if a fee is being paid with this statement | |. (A fee
is not required only if the filing person: (1) has a previous statement on file
reporting beneficial ownership of more than five percent of the class of
securities described in Item 1; and (2) has filed no amendment of subsequent
thereto reporting beneficial ownership of five percent or less of such class.)
(See Rule 13d-7.)

The information required in the remainder of this cover page shall not be deemed
to be "filed" for the purpose of Section 18 of the Securities Exchange Act of
1934 ("Act") or otherwise subject to the liabilities of that section of the Act
but shall be subject to all other provisions of the Act (however, see the
Notes).


<PAGE>   2



                                      - 2 -

CUSIP NO.:  29911Q 20 8


1)       Name of Reporting Persons
         -------------------------

         William F. Barrett

2)       Check the Appropriate Box if a Member of a Group
         ------------------------------------------------

         Not Applicable

3)       Securities and Exchange Commission use only
         -------------------------------------------





4)       Citizenship or Place of Organization
         ------------------------------------

         William F. Barrett                 United States


                                    p. 2 of 4
                                   Cover Page


<PAGE>   3



                                      - 3 -



5-8      Number of Shares Beneficially
         -----------------------------
         Owned by Each Reporting Person With:
         ------------------------------------

<TABLE>
<CAPTION>

                                                                       William F. Barrett
                                                                       ------------------


<S>                                                                             <C>           
5)       Sole
         Voting Power                                                           117,555 (a)(c)

6)       Shared
         Voting Power                                                            30,940 (b)(c)

7)       Sole
         Dispositive
         Power                                                                  117,555 (a)(c)

8)       Shared
         Dispositive
         Power                                                                   30,940 (b)(c)


- -------------------------------------------------------------------------------------------------------------------


<FN>
(a)      Includes 6,345 shares held by Mr. Barrett as custodian for his son.

(b)      Includes 30,940 shares owned jointly by Mr. Barrett and his wife. Does not include any other shares owned by Mr. Barrett's
         wife.

(c)      As of May 1, 1997, Evans Bancorp, Inc. shareholders approved a five-for-one stock split. The shares referenced above
         reflect the five-for-one split.
</TABLE>









                                    p. 3 of 4
                                   Cover Page


<PAGE>   4



                                      - 4 -



9)       Aggregate Amount Beneficially Owned by Each Reporting Person:
         -------------------------------------------------------------

<TABLE>
<CAPTION>
                                                                                        Common Stock
                                                                                        ------------


<S>                                                                                       <C>         
         William F. Barrett                                                               148,495  (c)


10)      Check box if the aggregate amount in Row 9 excludes certain
         -----------------------------------------------------------
         shares. | |
         ------


11)      Percent of Class Represented by Amount in Row 9:
         -----------------------------------------------

                                                                                        Common Stock
         William F. Barrett                                                              8.74%


12)      Type of Reporting Person:

         William F. Barrett                                                             INDIVIDUAL
</TABLE>








                                    p. 4 of 4
                                   Cover Page


<PAGE>   5



                       SECURITIES AND EXCHANGE COMMISSION
                                WASHINGTON, D.C.

                                  SCHEDULE 13G

                    UNDER THE SECURITIES EXCHANGE ACT OF 1934


ITEM 1(A):        Name of Issuer:
                  ---------------

                           Evans Bancorp, Inc.


Item 1(b):        Address of Issuer's Principal Executive Offices:
                  -----------------------------------------------


                           14 - 16 North Main Street, Angola, New York


Item 2(a):        Name of Person Filing:
                  ---------------------

                           William F. Barrett


Item 2(b):        Address of Principal Business Office:
                  -------------------------------------

                           14 - 16 North Main Street, Angola, New York


Item 2(c):        Citizenship:
                  ------------

                           United States


Item 2(d):        Title of Class of Securities:
                  -----------------------------

                           Common Stock, par value $.50 per share


Item 2(e):        CUSIP Number:
                  -------------

                           29911Q 20 8


Item 3:           Not Applicable


Item 4(a):        Amount Beneficially Owned: (1) (2) (3)
                  -------------------------

                                    Common Stock
                                    ------------

                                      148,495


Item 4(b):        Percent of Class:
                  ----------------

                                    Common Stock
                                    ------------

                                      8.74%



<PAGE>   6



                                      - 2 -


<TABLE>
Item 4(c)(i):            Sole Power to Vote or to direct the vote -

                                            Common Stock
                                            ------------

<S>                                         <C>    
                                               117,555

Item 4(c)(ii):           Shared Power to Vote or to direct the vote -

                                            Common Stock
                                            ------------

                                               30,940

Item 4(c)(iii):      Sole Power to dispose or to direct the disposition of -

                                            Common Stock
                                            ------------

                                               117,555


Item 4(c)(iv):                Shared Power to dispose or to direct the
                                           disposition of -

                                            Common Stock
                                            ------------

                                                30,940

- ------------------------------------------------------------------------------------------------------------------------------------

<FN>
(1)      Includes 6,345 shares held by Mr. Barrett as custodian for his son.

(2)      Includes 30,940 shares owned jointly by Mr. Barrett and his wife. Does not include any other shares owned by Mr. Barrett's
         wife.

(3)      As of May 1, 1997, Evans Bancorp, Inc. shareholders approved a five-for-one stock split. The shares referenced above
         reflect the five-for-one split.
</FN>
</TABLE>


<PAGE>   7



                                      - 3 -


<TABLE>
Item 5:     Ownership of Five Percent or Less of a Class:                                                                 
            ---------------------------------------------                                                                 
                                                                                                                          
<S>         <C>     <C>                                                                                                   
                    Not Applicable                                                                                                
                                                                                                                          
Item 6:     Ownership of More than 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:     Identification and Classification of Members of the Group:                                                    
            ----------------------------------------------------------                                                    
                                                                                                                          
                    Not Applicable                                                                                                
                                                                                                                          
Item 10:            Certification:                                                                                                
                    --------------                                                                                                
                                                                                                                          
                    Not Applicable                                                                                                
            
Signature:  After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this
            statement is true, complete and correct.

Date:       February 3, 1998
            ----------------


Signature:  /s/ William F. Barrett
            ----------------------

Name/Title: William F. Barrett, Director
</TABLE>




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