X0201 42003-10-10 0000763563 CHEMUNG FINANCIAL CORP CHMG 0000939262 AGAN ROBERT E 186 HILLCREST ROAD ELMIRA NY 14903 1000Common Stock900DPhantom Stock2003-09-302003-10-104A0143.6531.50ACommon Stock143.6516499.37DSecurity converts to common stock on one-for-one basis.Phantom Stock Units are to be settled 100% in Issuer's Common Stock in accordance with the terms of the Company's Deferred Directors Fee Plan and at the director's election.Includes dividends reinvested periodically under Issuer's Dividend Reinvestment Plan.Jane H. Adamy Power of Attorney dated November 7, 20002003-10-15