Edgar Filing: FINANCIAL INSTITUTIONS INC

FINANCIAL INSTITUTIONS, INC./NAT'L BANK OF GENEVA


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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

Information Statement Pursuant to Rules 13d-1 and 13d-2
Under the Securities Exchange Act of 1934
(Amendment No. __________)*

FINANCIAL INSTITUTIONS, INC.

(Name of Issuer)

COMMON STOCK $.01 PAR VALUE

(Title of Class of Securities)

317585 40 4

(CUSIP Number)

DECEMBER 31, 2004

(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)




o		Rule 13d-1(c)




o		Rule 13d-1(d)

* The remainder of this cover page shall be filled out for a reporting person’s initial filing on this form with respect to the subject class of securities, and for any subsequent amendment containing information which would alter the disclosures provided in a prior cover page.

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).

Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB control number.

SEC 1745 (12-02)


CUSIP No. 317585 40 4	13 G	Page 2 of 4 Pages

Names of Reporting Persons.
I.R.S. Identification Nos. of above persons (entities only).
National Bank of Geneva

Check the Appropriate Box if a Member of a Group (See Instructions)

(a) o

(b) o

SEC Use Only

Citizenship or Place of Organization
New York

	5.	Sole Voting Power
		895,389
Number of	6.	Shared Voting Power
Shares
Beneficially
Owned by Each	7.	Sole Dispositive Power
Reporting		895,389
Person
With:	8.	Shared Dispositive Power

Aggregate Amount Beneficially Owned by Each Reporting Person
895,389


	10.	Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) o


	11.	Percent of Class Represented by Amount In Row (9) 7.96%


	12.	Type of Reporting Person (See Instructions) BK


CUSIP No. 317585 40 4	13 G	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:
		National Bank of Geneva

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 Rule 13d-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	13 G	Page 4 of 4 Pages


ITEM 4.	OWNERSHIP
	(A) AMOUNT BENEFICIALLY OWNED:
	895,389 Common Stock $.01 par value

	(B) PERCENT OF CLASS
	7.96%

	(C) NUMBER OF SHARES AS TO WHICH SUCH PERSON HAS:
		(I) SOLE POWER TO VOTE OR DIRECT THE VOTE:
		895,389 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:
		895,389 Common Stock $.01 par value
		(IV) SHARED POWER TO DISPOSE OR DIRECT THE DISPOSITION 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.	IDENTIFICATION 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, 2005

Larry H. Rabinowitz

Larry H. Rabinowitz
Senior Vice President
National Bank of Geneva