Company:  FINANCIAL INSTITUTIONS IN ... (FISI)
Form Type:  10-K
Filing Date:  3/12/2009 
CIK:  0000862831 
Address:  220 LIBERTY STREET 
City, State, Zip:  WARSAW, New York 14569 
Telephone:  (716) 786-1100 
Fiscal Year:  12/31 
Last Trade
Last Trade: 
$12.40   		Change: 
-0.22 (-1.74%)  
Trade Time: 
Feb 09   		Market Cap: 
$134.17M
Description of Business
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  FORM 10-K
    PART I
      ITEM 1. BUSINESS
        NAME AND TITLE
      ITEM 1A. RISK FACTORS
      ITEM 1B. UNRESOLVED STAFF COMMENTS
      ITEM 2. PROPERTIES
      ITEM 3. LEGAL PROCEEDINGS
      ITEM 4. SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS
    PART II
      ITEM 5. MARKET FOR REGISTRANT'S COMMON EQUITY, RELATED ...
      ITEM 6. SELECTED FINANCIAL DATA
      ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL ...
        LIQUIDITY AND CAPITAL RESOURCES
      ITEM 7A. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT ...
      ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA
        Report of Independent Registered Public Accounting Firm
        Report of Independent Registered Public Accounting Firm
        BALANCE SHEET
        INCOME STATEMENT
        STOCKHOLDERS EQUITY
        STOCKHOLDERS EQUITY
        CASH FLOW
        NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
      ITEM 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ...
      ITEM 9A. CONTROLS AND PROCEDURES
      ITEM 9B. OTHER INFORMATION
    PART III
      ITEM 10. DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE
      ITEM 11. EXECUTIVE COMPENSATION
      ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS ...
      ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND ...
      ITEM 14. PRINCIPAL ACCOUNTANT FEES AND SERVICES
    PART IV
      ITEM 15. EXHIBITS AND FINANCIAL STATEMENT SCHEDULES
    SIGNATURES
    EXHIBIT INDEX
  EXHIBIT 3.1
    RESTATED CERTIFICATE OF INCORPORATION
  EXHIBIT 3.2
  EXHIBIT 3.3
  EXHIBIT 3.4
    BY-LAWS
  EXHIBIT 10.7
  EXHIBIT 12
  EXHIBIT 21
  EXHIBIT 23
    Consent of Independent Registered Public Accounting Firm
  EXHIBIT 31.1
    Certification of Principal Executive Officer
  EXHIBIT 31.2
    Certification of Principal Financial Officer
  EXHIBIT 32
BROKERAGE PARTNERS
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