Exhibit 99.2



      CERTIFICATION OF CHIEF FINANCIAL OFFICER UNDER 18 U.S.C. Section 1350

I, Michael P. Pinto, Executive Vice President and Chief Financial Officer of M&T
Bank Corporation, hereby certify, to my knowledge:

         (1)      that the Annual Report on Form 10-K of M&T Bank Corporation
                  for the annual period ended on December 31, 2002 filed with
                  the Securities and Exchange Commission at File No. 1-9861 (the
                  "Report") fully complies with the requirements of Section
                  13(a) or 15(d), as applicable, of the Securities Exchange Act
                  of 1934; and

         (2)      that the information contained in such Report fairly presents,
                  in all material respects, the financial condition and results
                  of operations of M&T Bank Corporation.


The foregoing certification is being furnished solely pursuant to 18 U.S.C.
Section 1350 and is not being filed as part of the Report or as a separate
disclosure document.




/s/ Michael P. Pinto
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Michael P. Pinto
February 27, 2003