| http://www.w3.org/ns/prov#value | - FINANCIAL INSTITUTIONS, INC. AND SUBSIDIARIES NOTES TO CONSOLIDATED FINANCIAL STATEMENTS Three Months Ended March 31, 1999 and 1998 (unaudited) and Years Ended December 31, 1998, 1997 and 1996 (1) Summary of Significant Accounting Policies Financial Institutions, Inc. ("FII") and subsidiaries (the "Company") provide deposit, lending and other financial services to individuals
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