EX-21
(Exhibit 21)	Subsidiaries of Financial Institutions, Inc.
	Wyoming County Bank (99.65% owned)
	National Bank of Geneva (100% owned)
	First Tier Bank & Trust (100% owned)
	Bath National Bank (100% owned)
	Burke Group, Inc. (100% owned)
	The FI Group, Inc. (100% owned)
	FISI Statutory Trust I (100% owned)

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