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, 1999
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(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)
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CUSIP NO. 317585 40 4 13G Page 2 of 4 pages
1. NAME OF REPORTING PERSON, I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
(ENTITIES ONLY):
Wyoming County Bank
2. CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*: (a) [ ]
(b) [ ]
3. SEC USE ONLY
4. CITIZENSHIP OR PLACE OF ORGANIZTION:
New York
NUMBER OF SHARES 5. SOLE VOTING POWER: 667,100
BENEFICIALLY OWNED 6. SHARED VOTING POWER:
BY EACH REPORTING PERSON 7. SOLE DISPOSITIVE POWER: 667,100
WITH 8. SHARED DISPOSITIVE POWER:
9. AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON: 667,100
10. CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES:
[ ]
10. PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9):
6.1%
11. 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.
[ ]
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CUSIP NO. 317585 40 4 13G Page 4 of 4 pages
ITEM 4. OWNERSHIP
(A) AMOUNT BENEFICIALLY OWNED:
667,100 Common Stock $.01 par value
(B) PERCENT OF CLASS
6.1%
(C) NUMBER OF SHARES AS TO WHICH SUCH PERSON HAS:
(I) SOLE POWER TO VOTE OR DIRECT THE VOTE:
667,100 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:
667,100 Common Stock $.01 par value
(IV) SHARED POWER TO DISPOSE 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 14, 2000
/s/Jon J. Cooper
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Jon J. Cooper
President and CEO
Wyoming County Bank
