13F-HR 1 d13fhr.txt FORM 13F-HR UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 13F FORM 13F COVER PAGE Report for the Calendar Year or Quarter Ended: 09/30/2001 Check here if Amendment [ ] Amendment Number: This Amendment [ ] is a restatement Institutional Investment Manager Filing this Report: Name: M&T Bank Corporation Address: ONE M & T PLAZA BUFFALO, NY 14240 13F File Number: 28-39800 The institutional investment Manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form. Person Signing this Report on Behalf of Reporting Manager: Name: MARK CZARNECKI Title: EXECUTIVE VICE PRESIDENT Phone: (716) 842-5291 Signature, Place, and Date of Signing: 1 M&T BANK 11/14/2001 Report Type (Check only one) [X] 13F HOLDINGS REPORT [ ] 13F COMBINATION REPORT

AMERICAN WOODMARK CORP COMMON STOCK 030506109 208 7100 SH X 3000 0 4100 AMGEN INC COMMON STOCK 031162100 4936 83985 SH X 83385 125 150 AMGEN INC COMMON STOCK 031162100 1872 31845 SH X X 23775 3170 800 ANALOG DEVICES INC COMMON STOCK 032654105 558 17075 SH X 17075 0 0 ANHEUSER BUSCH COS INC COMMON STOCK 035229103 858 20488 SH X 20488 0 0 ANHEUSER BUSCH COS INC COMMON STOCK 035229103 524 12510 SH X 12260 0 0 APACHE CORP COMMON STOCK 037411105 1647 38313 SH X 38163 0 0 APACHE CORP COMMON STOCK 037411105 65 1500 SH X 1500 0 0 APPLERA CORP COMMON STOCK 038020103 208 8520 SH X 8395 0 0 APPLERA CORP COMMON STOCK 038020103 522 21400 SH X 21400 0 0 APPLIED MATERIALS INC COMMON STOCK 038222105 860 30238 SH X 30163 0 0 APPLIED MATERIALS INC COMMON STOCK 038222105 149 5235 SH X 4435 0 0 ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 150 11952 SH X 4964 0 0 ARCHSTONE COMMUNIIES TR COMMON STOCK 039581103 570 21830 SH X 21830 0 0 ARCHSTONE COMMUNIIES TR COMMON STOCK 039581103 46 1750 SH X 1750 0 0 PAGE TOTAL 124699

AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 9926 211011 SH X 207511 0 2100 AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 3904 83007 SH X X 76807 300 50 AVERY DENNISON CORP COMMON STOCK 053611109 248 5245 SH X 5245 0 0 AVERY DENNISON CORP COMMON STOCK 053611109 33 700 SH X 700 0 0 AVNET INC COMMON STOCK 053807103 654 35941 SH X 35791 0 0 AVNET INC COMMON STOCK 053807103 127 6955 SH X 6955 0 0 BJ SVCS CO COMMON STOCK 055482103 927 52104 SH X 51954 0 0 BSB BANCORP INC COMMON STOCK 055652101 531 22819 SH X 1619 0 0 BSB BANCORP INC COMMON STOCK 055652101 8 337 SH X 0 0 337 BAKER HUGHES INC COMMON STOCK 057224107 292 10091 SH X 10091 0 0 BALDWIN & LYONS INC COMMON STOCK 057755209 832 42882 SH X 0 0 42882 BANK AMER CORP COMMON STOCK 060505104 3417 58519 SH X 57099 0 0 BANK OF AMERICA CORP COMMON STOCK 060505104 1177 20165 SH X X 16737 628 0 BANK OF NEW YORK INC COMMON STOCK 064057102 6344 181247 SH X 181122 0 0 BANK OF NEW YORK INC COMMON STOCK 064057102 759 21675 SH X X 17905 2970 0 BANK ONE CORP COMMON STOCK 06423A103 1471 46732 SH X 46732 0 0 BANK ONE CORP COMMON STOCK 06423A103 491 15615 SH X 13715 0 0 BAXTER INTERNATIONAL INC COMMON STOCK 071813109 1184 21522 SH X 21522 0 0 BAXTER INTERNATIONAL INC COMMON STOCK 071813109 825 14978 SH X X 14978 0 0 BELLSOUTH CORP COMMON STOCK 079860102 14906 358753 SH X 353033 4450 0 BELLSOUTH CORP COMMON STOCK 079860102 9022 217118 SH X X 152069 17044 453 BERKSHIRE HATHAWAY INC COMMON STOCK 084670108 210 3 SH X 3 0 0 BERKSHIRE HATHAWAY INC CL B COMMON STOCK 084670207 354 152 SH X 142 0 0 BERKSHIRE HATHAWAY INC CL B COMMON STOCK 084670207 408 175 SH X 155 0 0 BIOMET INC COMMON STOCK 090613100 26 900 SH X 0 0 900 BIOMET INC COMMON STOCK 090613100 280 9575 SH X 9575 0 0 BANK OF NEW YORK INC COMMON STOCK 097023105 2461 73474 SH X 73274 0 0 BANK OF NEW YORK INC COMMON STOCK 097023105 715 21325 SH X X 19225 0 0 BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 16161 290876 SH X 285176 2800 0 BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 15589 280572 SH X X 216832 11340 0 BROADWING INC COMMON STOCK 111620100 803 49936 SH X 49936 0 0 BROADWING INC COMMON STOCK 111620100 17 1050 SH X 0 0 1050 BURLINGTON NORTHERN SANTA FE INC COMMON STOCK 12189T104 265 9900 SH X 9900 0 0 BURLINGTON NORTHERN SANTA FE INC COMMON STOCK 12189T104 40 1500 SH X X 1500 0 0 BURLINGTON RES INC COMMON STOCK 122014103 5016 146633 SH X 146188 0 0 BURLINGTON RES INC COMMON STOCK 122014103 438 12795 SH X X 12120 175 0 C-COR.NET CORP COMMON STOCK 125010108 35 5120 SH X 5120 0 0 C-COR.NET CORP COMMON STOCK 125010108 639 93222 SH X X 89222 4000 0 CSX CORP COMMON STOCK 126408103 96 3040 SH X 2840 200 0 CSX CORP COMMON STOCK 126408103 135 4300 SH X X 2500 1800 0 CVS CORP COMMON STOCK 126650100 3298 99343 SH X 98548 0 0 CVS CORP COMMON STOCK 126650100 400 12040 SH X 11640 0 0 CADENCE DESIGN SYS INC COMMON STOCK 127387108 176 10595 SH X 10595 0 0 CAPITAL ONE FINANCIAL CORP INC COMMON STOCK 14040H105 223 4850 SH X 4750 0 0 CAPITAL ONE FINANCIAL CORP INC COMMON STOCK 14040H105 433 9400 SH X 0 0 9400 CARDINAL HLTH INC COMMON STOCK 14149Y108 290 3918 SH X 3843 0 0 CARDINAL HLTH INC COMMON STOCK 14149Y108 240 3245 SH X 3245 0 0 CAREMARK RX INC COMMON STOCK 141705103 2507 150280 SH X 148905 0 0 CAREMARK RX INC COMMON STOCK 141705103 67 4025 SH X 4025 0 0

CARLISLE COMPANIES INC COMMON STOCK 142339100 622 22200 SH X 22200 0 0 CARLISLE COMPANIES INC COMMON STOCK 142339100 11 408 SH X X 408 0 0 CARNIVAL CORPORATION COMMON STOCK 143658102 2900 131675 SH X 131675 0 0 CARNIVAL CORPORATION COMMON STOCK 143658102 377 17145 SH X X 14495 1650 0 CATERPILLAR INC COMMON STOCK 149123101 391 8720 SH X 8620 100 0 CATERPILLAR INC COMMON STOCK 149123101 27 600 SH X X 0 600 0 CENDANT CORP COMMON STOCK 151313103 2561 200050 SH X 198205 0 0 CENDANT CORP COMMON STOCK 151313103 218 17050 SH X 17050 0 0 CHEVRON CORP COMMON STOCK 166751107 9321 109980 SH X 108110 700 0 CHEVRON CORP COMMON STOCK 166751107 5717 67458 SH X X 39039 3291 0 CHUBB CORP COMMON STOCK 171232101 13216 322807 SH X 316580 1879 0 PAGE TOTAL 143761

CISCO SYS INC COMMON STOCK 17275R102 7308 600003 SH X 596498 200 400 CISCO SYS INC COMMON STOCK 17275R102 1468 120474 SH X X 103200 7465 4275 CITIGROUP INC COMMON STOCK 172967101 3411 83131 SH X X 70138 8839 200 CITRIX SYSTEMS INC COMMON STOCK 177376100 1614 81510 SH X 81285 225 0 CITRIX SYSTEMS INC COMMON STOCK 177376100 48 2445 SH X X 0 2445 0 CLEAR CHANNEL COMMUNICATIONS INC COMMON STOCK 184502102 408 10275 SH X 10275 0 0 CLEAR CHANNEL COMMUNICATIONS INC COMMON STOCK 184502102 5 125 SH X 125 0 0 COCA COLA CO COMMON STOCK 191216100 10480 223695 SH X 216117 1975 4300 COCA COLA CO COMMON STOCK 191216100 4946 105579 SH X X 85797 1065 0 COLGATE PALMOLIVE CO COMMON STOCK 194162103 1402 24068 SH X 23868 0 0 COLGATE-PALMOLIVE CO COMMON STOCK 194162103 1398 23985 SH X X 20785 0 0 COLLEGIATE PACIFIC INC COMMON STOCK 194589115 45 40963 SH X 0 0 40963 COLLEGIATE PACIFIC INC NEW COMMON STOCK 194589206 201 40963 SH X 0 0 40963 COLORADO MEDTECH INC COMMON STOCK 19652U104 25 11700 SH X 5000 0 6700 COMCAST CORP COMMON STOCK 200300200 2926 81559 SH X 80739 0 0 COMCAST CORP COMMON STOCK 200300200 341 9520 SH X 9520 0 0 COMERICA INC COMMON STOCK 200340107 166 3000 SH X 3000 0 0 COMERICA INC COMMON STOCK 200340107 75 1360 SH X 1360 0 0 COMMUNITY BKS INC MILLERSBURG PA COMMON STOCK 203628102 323 13247 SH X 13247 0 0 COMPAQ COMPUTER CORP COMMON STOCK 204493100 784 94399 SH X 92099 0 2300 COMPAQ COMPUTER CORP COMMON STOCK 204493100 135 16215 SH X X 12465 3750 0 COMPUTER ASSOC INTL INC COMMON STOCK 204912109 205 7977 SH X 7977 0 0 COMPUTER NETWORK TECHNOLOGY CORP COMMON STOCK 204925101 176 16750 SH X 12000 0 4750 COMPUTER TASK GROUP COMMON STOCK 205477102 118 58750 SH X 0 0 58750 COMPUTER TASK GROUP COMMON STOCK 205477102 13 6400 SH X 6400 0 0 COMPUWARE CORP COMMON STOCK 205638109 267 32100 SH X 18900 0 13200 CONAGRA FOODS INC COMMON STOCK 205887102 636 28355 SH X 27155 0 1200 CONAGRA FOODS INC COMMON STOCK 205887102 66 2920 SH X 2720 0 0 CONECTIV INC COMMON STOCK 206829103 166 7050 SH X 7050 0 0 CONECTIV INC COMMON STOCK 206829103 66 2800 SH X X 0 2800 0 CONOCO INC COMMON STOCK 208251405 1210 47757 SH X 47268 0 0 CONOCO INC COMMON STOCK 208251405 109 4283 SH X 3794 0 0 CONSOLIDATED EDISON INC COMMON STOCK 209115104 264 6467 SH X 6467 0 0 CONSOLIDATED EDISON INC COMMON STOCK 209115104 299 7332 SH X X 6732 600 0 CONSTELLATION ENERGY GROUP COMMON STOCK 210371100 881 36385 SH X 36385 0 0 CONSTELLATION ENERGY GROUP COMMON STOCK 210371100 269 11125 SH X X 7400 3725 0 CORNING INC COMMON STOCK 219350105 2162 245147 SH X 240858 0 0 CORNING INC COMMON STOCK 219350105 655 74259 SH X X 61800 7025 0 DTE ENERGY CO COMMON STOCK 233331107 2277 52889 SH X 52598 0 0 DTE ENERGY CO COMMON STOCK 233331107 508 11796 SH X 8738 0 0 DANA CORP COMMON STOCK 235811106 403 25804 SH X 25804 0 0 DANA CORP COMMON STOCK 235811106 20 1250 SH X X 600 650 0 DANAHER CORP COMMON STOCK 235851102 791 16770 SH X 16370 100 300 DANAHER CORP COMMON STOCK 235851102 79 1685 SH X X 1000 685 0 DEERE & CO COMMON STOCK 244199105 760 20195 SH X 20195 0 0 DEERE & CO COMMON STOCK 244199105 358 9518 SH X X 8625 0 0 DELL COMPUTER CORP COMMON STOCK 247025109 726 39195 SH X 32470 6500 0 DELL COMPUTER CORP COMMON STOCK 247025109 142 7685 SH X 4350 0 0 DELTA AIRLINES INC DEL COMMON STOCK 247361108 262 9940 SH X 9940 0 0

DELTA AIRLINES INC DEL COMMON STOCK 247361108 7 275 SH X 275 0 0 DIGI INTERNATIONAL INC COMMON STOCK 253798102 52 10000 SH X 10000 0 0 DISNEY WALT CO NEW COMMON STOCK 254687106 7995 429422 SH X 422401 1450 3225 DISNEY WALT CO NEW COMMON STOCK 254687106 2326 124906 SH X X 112131 4725 0 DOMINION RESOURCES INC VA NEW COMMON STOCK 25746U109 905 15245 SH X 15245 0 0 DOMINION RESOURCES INC VA NEW COMMON STOCK 25746U109 1168 19671 SH X X 13567 0 0 DOVER CORP COMMON STOCK 260003108 425 14125 SH X 14125 0 0 DOVER CORP COMMON STOCK 260003108 320 10630 SH X X 1100 9200 0 DOW CHEMICAL CO COMMON STOCK 260543103 3590 109594 SH X 108469 1125 0 DOW CHEMICAL CO COMMON STOCK 260543103 1254 38265 SH X X 28654 4862 0 PAGE TOTAL 69439

DUPONT E I DE NEMOURS & CO COMMON STOCK 263534109 6208 165457 SH X 159440 2100 3717 DUPONT E I DE NEMOURS & CO COMMON STOCK 263534109 4697 125190 SH X X 89771 4025 0 DUKE ENERGY CORP COMMON STOCK 264399106 1914 50569 SH X 50569 0 0 DUKE ENERGY CORP COMMON STOCK 264399106 342 9044 SH X X 6957 2087 0 DYCOM INDUSTRIES INC COMMON STOCK 267475101 377 32510 SH X 32510 0 0 DYCOM INDUSTRIES INC COMMON STOCK 267475101 11 935 SH X 935 0 0 EMC CORP MASS COMMON STOCK 268648102 4071 346409 SH X 342279 150 2700 EMC CORP MASS COMMON STOCK 268648102 473 40283 SH X X 29473 8910 0 E.PIPHANY INC COMMON STOCK 26881V100 900 211600 SH X 210080 0 0 E.PIPHANY INC COMMON STOCK 26881V100 53 12340 SH X X 1375 10965 0 EASTMAN CHEMICAL COMPANY COMMON STOCK 277432100 159 4385 SH X 4385 0 0 EASTMAN CHEMICAL COMPANY COMMON STOCK 277432100 75 2063 SH X 1563 0 0 EASTMAN KODAK CO COMMON STOCK 277461109 531 16311 SH X 16311 0 0 EASTMAN KODAK CO COMMON STOCK 277461109 347 10671 SH X 10404 0 0 EATON CORP COMMON STOCK 278058102 320 5402 SH X 5402 0 0 EL PASO CORP COMMON STOCK 28336L109 6268 150844 SH X 150356 0 0 EL PASO CORP COMMON STOCK 28336L109 363 8732 SH X X 7932 150 0 ELECTRONIC DATA SYS NEW COMMON STOCK 285661104 498 8651 SH X 8651 0 0 ELECTRONIC DATA SYS NEW COMMON STOCK 285661104 76 1314 SH X X 1164 0 0 ELECTRONICS FOR IMAGING INC COMMON STOCK 286082102 239 14650 SH X 14650 0 0 EMERSON ELEC CO COMMON STOCK 291011104 3054 64896 SH X 64496 0 0 EMERSON ELEC CO COMMON STOCK 291011104 2435 51745 SH X X 43860 750 0 ENRON CORP COMMON STOCK 293561106 2099 77103 SH X 76923 0 0 ENRON CORP COMMON STOCK 293561106 265 9725 SH X X 4620 4905 0 EXELON CORP COMMON STOCK 30161N101 212 4748 SH X 4748 0 0 EXELON CORP COMMON STOCK 30161N101 35 792 SH X X 400 392 0 EXXON MOBIL CORP COMMON STOCK 30231G102 46059 1169014 SH X 1154896 100 4920 EXXON MOBIL CORP COMMON STOCK 30231G102 34780 882749 SH X X 533367 50662 29651 FPL GROUP INC COMMON STOCK 302571104 4544 84851 SH X 84376 200 0 FPL GROUP INC COMMON STOCK 302571104 619 11550 SH X X 7180 2120 0 FAMILY DLR STORES COMMON STOCK 307000109 217 7893 SH X 7893 0 0 FAMILY DLR STORES COMMON STOCK 307000109 13 475 SH X 475 0 0 FEDERAL HOME LOAN MTGE CORP COMMON STOCK 313400301 345 5300 SH X 5300 0 0 FEDERAL NATL MTG ASSN COMMON STOCK 313586109 15715 196291 SH X 193551 100 2050 FEDERAL NATL MTG ASSN COMMON STOCK 313586109 5091 63595 SH X X 58000 3195 0 FEDEX CORP COMMON STOCK 31428X106 359 9775 SH X 9775 0 0 FIRST DATA CORP COMMON STOCK 319963104 197 3375 SH X 3325 0 0 FIRST DATA CORP COMMON STOCK 319963104 70 1200 SH X 1200 0 0 FIRST LEESPORT BANCORP COMMON STOCK 320682107 448 30310 SH X 210 0 30100 FIRST UNITED CORP COMMON STOCK 33741H107 277 16797 SH X 16797 0 0 FIRST UNITED CORP COMMON STOCK 33741H107 77 4677 SH X X 0 4677 0 FIRST VIRGINIA BANKS INC COMMON STOCK 337477103 275 6000 SH X X 1500 4500 0 FLEETBOSTON FINL CORP COMMON STOCK 339030108 3938 107154 SH X 107154 0 0 FLEETBOSTON FINL CORP COMMON STOCK 339030108 1092 29733 SH X X 24886 4847 0 FORD MTR CO DEL COMMON STOCK 345370860 3605 207794 SH X 206524 0 0 FORD MTR CO DEL COMMON STOCK 345370860 1219 70277 SH X X 58677 5921 0 FULTON FINANCIAL INC COMMON STOCK 360271100 6376 291673 SH X 264049 0 21248 FULTON FINANCIAL INC COMMON STOCK 360271100 618 27655 SH X X 0 27655 0 GANNETT CO INC COMMON STOCK 364730101 343 5700 SH X 5700 0 0

GANNETT CO INC COMMON STOCK 364730101 415 6900 SH X 6900 0 0 GAP INC COMMON STOCK 364760108 2317 193850 SH X 188075 1175 3750 GAP INC COMMON STOCK 364760108 48 4055 SH X 4055 0 0 GENERAL ELEC CO COMMON STOCK 369604103 59443 1597946 SH X 1558286 13300 12925 GENERAL ELEC CO COMMON STOCK 369604103 63798 1715012 SH X X 913428 84675 1500 GENERAL MILLS INC COMMON STOCK 370334104 815 17920 SH X 17920 0 0 GENERAL MILLS INC COMMON STOCK 370334104 297 6532 SH X X 4900 0 0 GENERAL MOTORS CORP COMMON STOCK 370442105 1139 26530 SH X 25290 200 0 GENERAL MOTORS CORP COMMON STOCK 370442105 523 12184 SH X X 9894 226 0 GENERAL MOTORS CORP COMMON STOCK 370442832 366 27428 SH X 27428 0 0 GENERAL MOTORS CORP COMMON STOCK 370442832 51 3836 SH X 3281 0 0 PAGE TOTAL 291511

GENZYME CORP COM (GENERAL DVISION) COMMON STOCK 372917104 204 4500 SH X 4500 0 0 GILLETTE CO COMMON STOCK 375766102 5682 190669 SH X 188399 600 0 GILLETTE CO COMMON STOCK 375766102 3179 106688 SH X X 98096 2400 0 GLATFELTER P H CO COMMON STOCK 377316104 413 27020 SH X 27020 0 0 W W GRAINGER INC COMMON STOCK 384802104 206 5300 SH X 5300 0 0 GUIDANT CORP COMMON STOCK 401698105 272 7064 SH X 7064 0 0 GUIDANT CORP COMMON STOCK 401698105 68 1775 SH X 1775 0 0 HAHN AUTOMOTIVE WAREHOUSE COMMON STOCK 405191206 69 25594 SH X 25594 0 0 HALLIBURTON CO COMMON STOCK 406216101 1810 80248 SH X 79148 700 400 HALLIBURTON CO COMMON STOCK 406216101 303 13450 SH X X 6100 7150 0 HARTFORD FINANCIAL SVCS GRP INC COMMON STOCK 416515104 2740 46654 SH X 46364 0 0 HARTFORD FINANCIAL SVCS GRP INC COMMON STOCK 416515104 432 7355 SH X 5655 0 0 HEALTH MGMT ASSOC INC NEW COMMON STOCK 421933102 3315 159685 SH X 158835 0 0 HEALTH MGMT ASSOC INC NEW COMMON STOCK 421933102 141 6775 SH X 6775 0 0 HEINZ H J CO COMMON STOCK 423074103 2748 65188 SH X 64438 750 0 HEINZ H J CO COMMON STOCK 423074103 696 16525 SH X X 9400 6525 0 HERSHEY FOODS CORP COMMON STOCK 427866108 1412 21593 SH X 21593 0 0 HERSHEY FOODS CORP COMMON STOCK 427866108 1079 16500 SH X X 10300 6200 0 HEWLETT PACKARD CO COMMON STOCK 428236103 1977 123145 SH X 118479 2000 0 HEWLETT PACKARD CO COMMON STOCK 428236103 1144 71235 SH X X 62850 1600 0 HOME DEPOT INC COMMON STOCK 437076102 8668 225903 SH X 224763 0 0 HOME DEPOT INC COMMON STOCK 437076102 3328 86752 SH X X 79047 5005 1150 HONEYWELL INTL INC COMMON STOCK 438516106 4210 159447 SH X 158547 0 100 HONEYWELL INTL INC COMMON STOCK 438516106 536 20304 SH X X 18704 500 0 HOOPER HOLMES INC COMMON STOCK 439104100 90 14500 SH X 5200 0 9300 HOUSEHOLD INTL INC COMMON STOCK 441815107 67 1193 SH X 1193 0 0 HOUSEHOLD INTL INC COMMON STOCK 441815107 171 3040 SH X 3040 0 0 HUNTINGTON BANCSHARES INC COMMON STOCK 446150104 117 6748 SH X 6748 0 0 HUNTINGTON BANCSHARES INC COMMON STOCK 446150104 63 3659 SH X X 0 3659 0 HUTCHINSON TECHNOLOGY INC COMMON STOCK 448407106 221 12400 SH X 9100 0 3300 ICN OHARMACEUTICALS INC NEW COMMON STOCK 448924100 2015 76456 SH X 75776 0 0 ICN OHARMACEUTICALS INC NEW COMMON STOCK 448924100 76 2870 SH X 2870 0 0 ICU MEDICAL INC COMMON STOCK 44930G107 272 6800 SH X 4000 0 2800 ILLINOIS TOOL WKS INC COMMON STOCK 452308109 1614 29835 SH X 27379 0 0 ILLINOIS TOOL WKS INC COMMON STOCK 452308109 611 11301 SH X 10017 0 0 INTEGRA LIFESCIENCES HOLDING CORP COMMON STOCK 457985208 472 17100 SH X 13900 0 3200 INTEL CORP COMMON STOCK 458140100 12717 622124 SH X 614590 5900 0 INTEL CORP COMMON STOCK 458140100 4905 240015 SH X X 203220 13620 3600 INTERNATIONAL BUSINESS MACHS CRP COMMON STOCK 459200101 26981 294168 SH X 286813 1500 1025 INTERNATIONAL BUSINESS MACHS CRP COMMON STOCK 459200101 9006 98192 SH X X 84377 11102 1000 INTERNATIONAL PAPER CO COMMON STOCK 460146103 1247 35798 SH X 35798 0 0 INTERNATIONAL PAPER CO COMMON STOCK 460146103 426 12224 SH X X 8788 1200 0 INTERNATIONAL RECTIFIER CORP COMMON STOCK 460254105 4061 149126 SH X 148301 0 0 INTERNATIONAL RECTIFIER CORP COMMON STOCK 460254105 208 7635 SH X X 4480 2105 0 JLG INDUSTRIES INC COMMON STOCK 466210101 235 25648 SH X 25648 0 0 J P MORGAN CHASE & CO COMMON STOCK 46625H100 9928 290696 SH X 286885 0 0 J P MORGAN CHASE & CO COMMON STOCK 46625H100 4941 144703 SH X X 116347 2265 1000 JEFFERSON PILOT CORP COMMON STOCK 475070108 6469 145449 SH X 144787 0 0 JEFFERSON PILOT CORP COMMON STOCK 475070108 1016 22838 SH X X 19868 270 0

JOHNSON & JOHNSON COMMON STOCK 478160104 19231 347130 SH X 333191 1800 7514 JOHNSON & JOHNSON COMMON STOCK 478160104 7351 132688 SH X X 115763 7390 800 KB HOME COMMON STOCK 48666K109 271 9535 SH X 9535 0 0 KB HOME COMMON STOCK 48666K109 26 925 SH X 925 0 0 KEYCORP NEW COMMON STOCK 493267108 389 16112 SH X 16112 0 0 KEYCORP NEW COMMON STOCK 493267108 153 6343 SH X 6343 0 0 KIMBERLY CLARK CORP COMMON STOCK 494368103 7199 116119 SH X 114689 700 0 KIMBERLY CLARK CORP COMMON STOCK 494368103 2891 46631 SH X X 24081 4450 0 KRAFT FOODS INC CL A COMMON STOCK 50075N104 437 12720 SH X 12470 0 0 KRAFT FOODS INC CL A COMMON STOCK 50075N104 765 22250 SH X 22250 0 0 LEGGETT & PLATT INC COMMON STOCK 524660107 1535 45603 SH X 45328 0 0 PAGE TOTAL 172809

LEXMARK INTL INC COMMON STOCK 529771107 20 450 SH X 450 0 0 LIBERTY MEDIA CORP NEW COM SER A COMMON STOCK 530718105 198 15600 SH X 15600 0 0 LIBERTY MEDIA CORP NEW COM SER A COMMON STOCK 530718105 1200 94496 SH X X 94496 0 0 LIBERTY MEDIA CORP NEW COM SER B COMMON STOCK 530718204 371 26000 SH X X 26000 0 0 LILLY ELI & CO COMMON STOCK 532457108 8810 109162 SH X 105808 1200 1300 LILLY ELI & CO COMMON STOCK 532457108 2321 28769 SH X X 27569 1100 0 LINCARE HOLDINGS INC COMMON STOCK 532791100 257 9656 SH X 9656 0 0 LINCOLN ELECTRIC HLDGS COMMON STOCK 533900106 247 11200 SH X 11200 0 0 LINEAR TECHNOLOGY CORP COMMON STOCK 535678106 426 13000 SH X 13000 0 0 LINEAR TECHNOLOGY CORP COMMON STOCK 535678106 66 2000 SH X X 0 2000 0 LOCKHEED MARTIN CORP COMMON STOCK 539830109 586 13391 SH X 13391 0 0 LOWE'S COMPANIES INC COMMON STOCK 548661107 986 31163 SH X 30913 0 250 LOWE'S COMPANIES INC COMMON STOCK 548661107 38 1200 SH X X 1200 0 0 LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 1101 192200 SH X 187472 4728 0 LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 444 77574 SH X X 66894 7005 0 M & T BANK CORP COMMON STOCK 55261F104 54006 729810 SH X 729810 0 0 M & T BANK CORP COMMON STOCK 55261F104 215967 2918472 SH X X 2682085 87450 64421 MBNA CORP COMMON STOCK 55262L100 493 16272 SH X 16272 0 0 MBNA CORP COMMON STOCK 55262L100 49 1632 SH X 1632 0 0 MACROMEDIA INC COMMON STOCK 556100105 300 24770 SH X 24770 0 0 MAIN STREET BANCORP INC COMMON STOCK 559906102 193 15093 SH X 15093 0 0 MARSH & MCLENNAN COS INC COMMON STOCK 571748102 130 1346 SH X 1346 0 0 MARSH & MCLENNAN COS INC COMMON STOCK 571748102 157 1625 SH X 1625 0 0 MATTEL INC COMMON STOCK 577081102 4481 286195 SH X 284393 0 0 MATTEL INC COMMON STOCK 577081102 184 11724 SH X 11527 0 0 MAY DEPARTMENT STORES CO INC COMMON STOCK 577778103 250 8617 SH X 8617 0 0 MAY DEPARTMENT STORES CO INC COMMON STOCK 577778103 22 750 SH X X 750 0 0 MCDONALDS CORP COMMON STOCK 580135101 5183 190972 SH X 188932 1400 0 MCDONALDS CORP COMMON STOCK 580135101 1829 67403 SH X X 58285 3618 0 MC GRAW HILL COMPANIES INC COMMON STOCK 580645109 563 9670 SH X 9670 0 0 MC GRAW HILL COMPANIES INC COMMON STOCK 580645109 1042 17898 SH X 14964 0 0 MEDTRONIC INC COMMON STOCK 585055106 7513 172700 SH X 168940 725 2400 MEDTRONIC INC COMMON STOCK 585055106 1545 35531 SH X X 30956 2875 200 MELLON FINL CORP COMMON STOCK 58551A108 238 7350 SH X 7350 0 0 MELLON FINL CORP COMMON STOCK 58551A108 686 21212 SH X X 16072 1140 4000 MERCANTILE BANKSHARES CORP COMMON STOCK 587405101 596 15000 SH X 15000 0 0 MERCK & CO INC COMMON STOCK 589331107 24068 361385 SH X 351425 2250 4415 MERCK & CO INC COMMON STOCK 589331107 12410 187531 SH X 150262 11135 1200 MERRILL LYNCH & CO INC COMMON STOCK 590188108 3817 94005 SH X 93855 0 0 MERRILL LYNCH & CO INC COMMON STOCK 590188108 292 7195 SH X X 4000 1995 0 MICROSOFT CORP COMMON STOCK 594918104 17940 350585 SH X 348260 410 0 MICROSOFT CORP COMMON STOCK 594918104 5390 105337 SH X X 89020 2400 1100 MINNESOTA MNG & MFG CO COMMON STOCK 604059105 5365 54519 SH X 53353 200 0 MINNESOTA MNG & MFG CO COMMON STOCK 604059105 6103 62027 SH X X 45253 1240 0 MOLEX INC COMMON STOCK 608554101 225 8010 SH X 5082 0 0 MORGAN STANLEY DEAN WITTER & CO COMMON STOCK 617446448 5525 119206 SH X 115931 400 2500 MORGAN STANLEY DEAN WITTER & CO COMMON STOCK 617446448 160 3458 SH X X 3238 220 0 MOTOROLA INC COMMON STOCK 620076109 3375 216373 SH X 209973 3000 2600 MOTOROLA INC COMMON STOCK 620076109 1131 72515 SH X X 65465 3550 0

NRG ENERGY INC COMMON STOCK 629377102 671 41385 SH X 41010 0 0 NATIONAL CITY CORP COMMON STOCK 635405103 102 3400 SH X 2600 800 0 NATIONAL CITY CORP COMMON STOCK 635405103 126 4200 SH X X 4200 0 0 NATIONAL SEMICONDUCTER CORP COMMON STOCK 637640103 234 10645 SH X 10645 0 0 NATIONAL SEMICONDUCTER CORP COMMON STOCK 637640103 41 1865 SH X 1865 0 0 NETSOLVE INC. COMMON STOCK 64115J106 94 8224 SH X 8224 0 0 NEWELL RUBBERMAID INC COMMON STOCK 651229106 433 19075 SH X 19075 0 0 NEWELL RUBBERMAID INC COMMON STOCK 651229106 35 1547 SH X 1547 0 0 NEWMIL BANCORP INC COMMON STOCK 651633109 166 13000 SH X 13000 0 0 NEXTEL COMMUNICATIONS INC COMMON STOCK 65332V103 272 31535 SH X 31535 0 0 NEXTEL COMMUNICATIONS INC COMMON STOCK 65332V103 22 2500 SH X 2500 0 0 PAGE TOTAL 400495

NORDSTROM INC COMMON STOCK 655664100 185 12800 SH X 12800 0 0 NOVELLUS SYSTEMS INC COMMON STOCK 670008101 195 6825 SH X 6825 0 0 NOVELLUS SYSTEMS INC COMMON STOCK 670008101 26 900 SH X X 900 0 0 OMEGA FINANCIAL CORP COMMON STOCK 682092101 94 3025 SH X 3025 0 0 OMEGA FINANCIAL CORP COMMON STOCK 682092101 550 17730 SH X X 12000 5730 0 OPENWAVE SYS INC COMMON STOCK 683718100 485 38050 SH X 37700 0 0 ORACLE CORPORATION COMMON STOCK 68389X105 4229 336222 SH X 333222 0 0 ORACLE CORPORATION COMMON STOCK 68389X105 803 63888 SH X X 58613 4775 0 PICO HOLDINGS INC COMMON STOCK 693366205 330 30000 SH X 0 0 30000 PNC FINANCIAL SERVICES GROUP COMMON STOCK 693475105 2473 43201 SH X 38955 4246 0 PNC FINANCIAL SERVICES GROUP COMMON STOCK 693475105 411 7175 SH X X 2020 5155 0 PPG INDS INC COMMON STOCK 693506107 1747 38173 SH X 38123 50 0 PPG INDS INC COMMON STOCK 693506107 1022 22351 SH X X 19926 925 0 PPL CORP COMMON STOCK 69351T106 3768 115578 SH X 115178 400 0 PPL CORP COMMON STOCK 69351T106 532 16320 SH X X 5510 10810 0 PALL CORP COMMON STOCK 696429307 4 200 SH X 200 0 0 PALL CORP COMMON STOCK 696429307 584 30000 SH X 30000 0 0 PAYCHEX INC COMMON STOCK 704326107 425 13475 SH X 13475 0 0 PAYCHEX INC COMMON STOCK 704326107 80 2544 SH X 2394 0 0 PEABODY ENERGY CORP COMMON STOCK 704549104 396 16450 SH X 16450 0 0 PEABODY ENERGY CORP COMMON STOCK 704549104 10 425 SH X 425 0 0 PENNROCK FINL SVCS CORP COMMON STOCK 708352109 186 8400 SH X 8400 0 0 PEPSICO INC COMMON STOCK 713448108 9246 190637 SH X 187054 350 300 PEPSICO INC COMMON STOCK 713448108 7154 147499 SH X X 125389 11110 0 PFIZER INC COMMON STOCK 717081103 24974 622808 SH X 596298 22575 800 PFIZER INC COMMON STOCK 717081103 10242 255436 SH X X 239484 7301 751 PHARMACIA CORP COMMON STOCK 71713U102 2382 58725 SH X 58550 175 0 PHARMACIA CORP COMMON STOCK 71713U102 986 24310 SH X X 20725 3585 0 PHILIP MORRIS COS INC COMMON STOCK 718154107 7654 158507 SH X 156691 600 0 PHILIP MORRIS COS INC COMMON STOCK 718154107 4788 99160 SH X X 94010 3700 0 PHILLIPS PETE CO COMMON STOCK 718507106 678 12564 SH X 12564 0 0 PHILLIPS PETE CO COMMON STOCK 718507106 308 7416 SH X 7416 0 0 PITNEY BOWES INC COMMON STOCK 724479100 467 12202 SH X 12202 0 0 PITNEY BOWES INC COMMON STOCK 724479100 704 18445 SH X X 18445 0 0 PROCTER & GAMBLE CO COMMON STOCK 742718109 9939 136541 SH X 134416 1025 900 PROCTER & GAMBLE CO COMMON STOCK 742718109 15641 214874 SH X X 144980 3350 0 PROGRESS ENERGY INC COMMON STOCK 743263105 429 9969 SH X 9969 0 0 PROGRESS ENERGY INC COMMON STOCK 743263105 369 8575 SH X X 3775 2700 2000 PUBLIC SERVICE ENTERPRISE GROUP INC COMMON STOCK 744573106 579 13601 SH X 13601 0 0 PUBLIC SERVICE ENTERPRISE GROUP INC COMMON STOCK 744573106 38 900 SH X X 0 900 0 QWEST COMMUNICATIOMS INTL INC COMMON STOCK 749121109 550 32922 SH X 32922 0 0 QWEST COMMUNICATIOMS INTL INC COMMON STOCK 749121109 231 13884 SH X X 10007 3518 0 RAYTHEON CO COMMON STOCK 755111507 3738 107556 SH X 106981 0 0 RAYTHEON CO COMMON STOCK 755111507 277 7959 SH X 7959 0 0 RELIANT ENERGY INC COMMON STOCK 75952J108 90 3430 SH X 3430 0 0 RELIANT ENERGY INC COMMON STOCK 75952J108 131 4970 SH X 4970 0 0 RITE AID CORP COMMON STOCK 767754104 179 23200 SH X 23200 0 0 ROHM & HAAS COMMON STOCK 775371107 466 14228 SH X 12528 0 1700 SBC COMMUNICATIONS INC COMMON STOCK 78387G103 12097 256716 SH X 253036 1364 0

SBC COMMUNICATIONS INC COMMON STOCK 78387G103 7852 166646 SH X X 139640 9879 0 SCI SYS INC COMMON STOCK 783890106 443 24601 SH X 24601 0 0 SCI SYS INC COMMON STOCK 783890106 35 1925 SH X 1925 0 0 ST PAUL COMPANIES INC COMMON STOCK 792860108 2280 55315 SH X 54965 0 0 ST PAUL COMPANIES INC COMMON STOCK 792860108 104 2525 SH X 2375 0 0 SALISBURY BANCORP INC. COMMON STOCK 795226109 137 5700 SH X 5700 0 0 SANMINA CORP COMMON STOCK 800907107 227 16700 SH X 16700 0 0 SARA LEE CORP COMMON STOCK 803111103 2177 102189 SH X 101189 0 0 SARA LEE CORP COMMON STOCK 803111103 1742 81800 SH X X 62900 3800 0 SCHERING PLOUGH CORP COMMON STOCK 806605101 6335 170776 SH X 163676 0 2500 SCHERING-PLOUGH CORP COMMON STOCK 806605101 4691 126443 SH X X 102725 4000 0 PAGE TOTAL 158895

SCHWAB CHARLES CORP NEW COMMON STOCK 808513105 1147 99697 SH X 97597 2100 0 SCIENTIFIC ATLANTA INC COMMON STOCK 808655104 1501 85745 SH X 85145 0 0 SCIENTIFIC ATLANTA INC COMMON STOCK 808655104 18 1050 SH X 1050 0 0 SCOTTS COMPANY CL A COMMON STOCK 810186106 273 8000 SH X 8000 0 0 SELECTIVE INSURANCE GROUP COMMON STOCK 816300107 280 12004 SH X 12004 0 0 SELECTIVE INSURANCE GROUP COMMON STOCK 816300107 21 900 SH X X 0 900 0 SERVICEMASTER CO COMMON STOCK 81760N109 152 13666 SH X 0 0 13666 SOLECTRON CORP COMMON STOCK 834182107 1643 141059 SH X 140259 0 0 SOLECTRON CORP COMMON STOCK 834182107 40 3425 SH X 3425 0 0 THE SOUTHERN CO COMMON STOCK 842587107 322 13438 SH X 13438 0 0 THE SOUTHERN CO COMMON STOCK 842587107 48 2015 SH X X 0 2015 0 SOUTH TRUST CORP COMMON STOCK 844730101 182 7162 SH X 7162 0 0 SOUTH TRUST CORP COMMON STOCK 844730101 29 1130 SH X 1130 0 0 SPRINT CORP COMMON STOCK 852061100 1484 61818 SH X 56118 3400 2300 SPRINT CORP COMMON STOCK 852061100 60 2500 SH X X 1300 1200 0 SPRINT CORP (PCS GRP) COMMON STOCK 852061506 613 23328 SH X 20728 1800 800 SPRINT CORP (PCS GRP) COMMON STOCK 852061506 18 700 SH X X 100 600 0 STANLEY WORKS COMMON STOCK 854616109 254 6950 SH X X 0 6950 0 STAPLES INC COMMON STOCK 855030102 2008 150379 SH X 148387 0 0 STAPLES INC COMMON STOCK 855030102 38 2825 SH X 2825 0 0 STATE STREET CORP COMMON STOCK 857477103 2525 55500 SH X 55500 0 0 STATE STREET CORP COMMON STOCK 857477103 910 20000 SH X X 20000 0 0 STRYKER CORP COMMON STOCK 863667101 423 8000 SH X 8000 0 0 STRYKER CORP COMMON STOCK 863667101 238 4500 SH X X 1500 3000 0 SUN MICROSYSTEMS INC COMMON STOCK 866810104 3838 464068 SH X 445338 6065 10250 SUN MICROSYSTEMS INC COMMON STOCK 866810104 663 80105 SH X X 67380 9225 2000 SUNGARD DATA SYS INC COMMON STOCK 867363103 232 9946 SH X 9946 0 0 SUNGARD DATA SYS INC COMMON STOCK 867363103 332 8300 SH X 6300 0 0 SUSQUEHANNA BANCSHARES INC COMMON STOCK 869099101 438 19696 SH X 9866 0 9830 SUSQUEHANNA BANCSHARES INC COMMON STOCK 869099101 80 3598 SH X X 1098 2500 0 SYMBOL TECHNOLOGIES INC COMMON STOCK 871508107 1890 180126 SH X 178901 0 0 SYMBOL TECHNOLOGIES INC COMMON STOCK 871508107 38 3599 SH X X 2375 400 0 SYNCOR INTERNATIONAL CORP COMMON STOCK 87157J106 344 10800 SH X 8300 0 2500 SYSCO CORP COMMON STOCK 871829107 15 600 SH X 600 0 0 SYSCO CORP COMMON STOCK 871829107 529 20700 SH X 20500 0 200 TCF FINL CORP COMMON STOCK 872275102 212 4601 SH X 4601 0 0 TECO ENERGY INC COMMON STOCK 872375100 317 11700 SH X 11700 0 0 TECO ENERGY INC COMMON STOCK 872375100 171 6300 SH X X 300 6000 0 TEPPCO PARTNERS LP COMMON STOCK 872384102 256 8000 SH X 8000 0 0 TEPPCO PARTNERS LP COMMON STOCK 872384102 32 1000 SH X 1000 0 0 TRW INC COMMON STOCK 872649108 549 18425 SH X 18425 0 0 TRW INC COMMON STOCK 872649108 279 9350 SH X 1350 0 0 TXU CORP COMMON STOCK 873168108 148 3191 SH X 3191 0 0 TXU CORP COMMON STOCK 873168108 60 1300 SH X X 0 300 1000 TARGET CORP COMMON STOCK 87612E106 515 16220 SH X 16220 0 0 TARGET CORP COMMON STOCK 87612E106 97 3070 SH X 3070 0 0 TENET HEALTHCARE CORP COMMON STOCK 88033G100 3201 53655 SH X 53305 0 0 TENET HEALTHCARE CORP COMMON STOCK 88033G100 128 2150 SH X 2150 0 0 TEXACO INC COMMON STOCK 881694103 1729 26586 SH X 25326 440 0

TEXACO INC COMMON STOCK 881694103 655 10076 SH X X 7276 2600 0 TEXAS INSTRUMENTS INC COMMON STOCK 882508104 7071 283071 SH X 279251 0 3070 TEXAS INSTRUMENTS INC COMMON STOCK 882508104 1033 41317 SH X X 33175 4025 0 TEXTRON INC COMMON STOCK 883203101 1255 37340 SH X 35665 75 1600 TEXTRON INC COMMON STOCK 883203101 126 3760 SH X X 0 3760 0 TRICON GLOBAL RESTAURANTS INC COMMON STOCK 895953107 276 7040 SH X 7040 0 0 TRICON GLOBAL RESTAURANTS INC COMMON STOCK 895953107 42 1060 SH X X 100 960 0 TRIGON HEALTHCARE INC COMMON STOCK 89618L100 277 4222 SH X 4222 0 0 TRIPATH IMAGING INC COMMON STOCK 896942109 55 12850 SH X 12850 0 0 TRUSTCO BANK CORP NY COMMON STOCK 898349105 401 29156 SH X 29156 0 0 PAGE TOTAL 41511

TYCO INTL LTD NEW COMMON STOCK 902124106 14915 327798 SH X 326503 600 0 TYCO INTL LTD NEW COMMON STOCK 902124106 6761 148610 SH X X 87916 60444 0 USX MARATHON GROUP COMMON STOCK 902905827 5097 190536 SH X 189192 0 0 USX MARATHON GROUP COMMON STOCK 902905827 191 7155 SH X 7155 0 0 UST INC COMMON STOCK 902911106 784 23634 SH X 23384 0 0 UST INC COMMON STOCK 902911106 120 3600 SH X X 3600 0 0 U S BANCORP DEL COMMON STOCK 902973304 2030 91528 SH X 90448 0 0 U S BANCORP DEL COMMON STOCK 902973304 224 10108 SH X 8211 0 0 UNIFI INC COMMON STOCK 904677101 201 24500 SH X 20000 0 4500 UNION PAC CORP COMMON STOCK 907818108 678 14462 SH X 14462 0 0 UNION PAC CORP COMMON STOCK 907818108 329 7008 SH X X 5808 1200 0 UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 2386 51315 SH X 51165 50 100 UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 832 17894 SH X X 15984 1910 0 UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 567 8530 SH X 8530 0 0 UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 67 1000 SH X X 0 1000 0 UNITRIN INC COMMON STOCK 913275103 379 9920 SH X 9920 0 0 UNOCAL CORP COMMON STOCK 915289102 184 5650 SH X 5650 0 0 UNOCAL CORP COMMON STOCK 915289102 34 1045 SH X 1045 0 0 UTILICORP UTD INC COMMON STOCK 918005109 270 9629 SH X 9629 0 0 UTILICORP UTD INC COMMON STOCK 918005109 6 200 SH X 200 0 0 VALLEY NATIONAL BANCORP COMMON STOCK 919794107 1169 39290 SH X 39290 0 0 VERAMARK TECHNOLOGIES INC COMMON STOCK 923351100 7 10000 SH X 10000 0 0 VERIZON COMMUNICATIONS COMMON STOCK 92343V104 24696 456412 SH X 451010 4091 0 VERIZON COMMUNICATIONS COMMON STOCK 92343V104 8776 162175 SH X X 110980 36481 6863 VIACOM INC CL A COMMON STOCK 925524100 278 7950 SH X 7950 0 0 VIACOM INC CL B COMMON STOCK 925524308 2290 66363 SH X 66088 0 0 VIACOM INC CL B COMMON STOCK 925524308 157 4553 SH X X 2275 651 0 WACHOVIA CORP COMMON STOCK 929903102 5611 181018 SH X 179910 0 0 WACHOVIA CORP COMMON STOCK 929903102 1310 42264 SH X X 16932 15332 10000 WAL MART STORES INC COMMON STOCK 931142103 14091 284658 SH X 283308 200 0 WAL MART STORES INC COMMON STOCK 931142103 2471 49926 SH X X 43626 4550 200 WALGREEN CO COMMON STOCK 931422109 3177 92285 SH X 91710 575 0 WALGREEN CO COMMON STOCK 931422109 361 10500 SH X X 4700 5800 0 WASHINGTON MUTUAL INC COMMON STOCK 939322103 36 930 SH X 930 0 0 WASHINGTON MUTUAL INC COMMON STOCK 939322103 235 6105 SH X 2055 0 0 WELLS FARGO & CO NEW COMMON STOCK 949746101 5481 123313 SH X 119238 150 3100 WELLS FARGO & CO NEW COMMON STOCK 949746101 685 15400 SH X X 12550 2850 0 WENDY'S INTERNATIONAL INC COMMON STOCK 950590109 306 11472 SH X 11472 0 0 WILLIAMS COMMUNICATIONS GROUP INC COMMON STOCK 969455104 66 56280 SH X 56280 0 0 WILLIAMS COMMUNICATIONS GROUP INC COMMON STOCK 969455104 8 6412 SH X X 3618 2794 0 WILLIAMS COS INC DEL COMMON STOCK 969457100 2516 92164 SH X 86744 675 4725 WILLIAMS COS INC DEL COMMON STOCK 969457100 254 9285 SH X X 5275 4010 0 WORLDCOM INC GA NEW COMMON STOCK 98157D106 1958 130206 SH X 130056 0 0 WORLDCOM INC GA NEW COMMON STOCK 98157D106 376 24998 SH X X 23104 1669 0 WORTHINGTON INDS INC COMMON STOCK 981811102 134 11947 SH X 11947 0 0 WORTHINGTON INDS INC COMMON STOCK 981811102 142 12655 SH X 0 0 12655 XCEL ENERGY INC COMMON STOCK 98389B100 1921 68230 SH X 68230 0 0 XCEL ENERGY INC COMMON STOCK 98389B100 738 26214 SH X X 25129 0 0 XEROX CORP COMMON STOCK 984121103 190 24466 SH X 24466 0 0

XEROX CORP COMMON STOCK 984121103 188 24200 SH X 24200 0 0 ZIMMER HLDGS INC COMMON STOCK 98956P102 786 28316 SH X 28004 0 0 ZIMMER HLDGS INC COMMON STOCK 98956P102 693 24995 SH X X 18451 1374 400 GLOBAL CROSSING LTD COMMON STOCK G3921A100 123 68071 SH X 68071 0 0 GLOBAL CROSSING LTD COMMON STOCK G3921A100 21 11890 SH X 11890 0 0 IPC HOLDINGS LTD COMMON STOCK G4933P101 937 41100 SH X 0 0 41100 SANTA FE INTERNATIONAL CORP ORD COMMON STOCK G7805C108 541 25475 SH X 25475 0 0 ORTHOFIX INTERNATIONAL NV COMMON STOCK N6748L102 211 7400 SH X 2500 0 4900 ABITIBI CONSOLIDQATED INC FOREIGN STOCK 003924107 91 14335 SH X 14335 0 0 AT&T CANADA INC FOREIGN STOCK 00207Q202 290 10000 SH X 0 0 10000 PAGE TOTAL 119376

BP P L C SPNSD ADR FOREIGN STOCK 055622104 4654 94650 SH X 92886 0 0 BP P L C SPNSD ADR FOREIGN STOCK 055622104 7959 161876 SH X X 105531 0 327 ERICSSON L M TEL CO FOREIGN STOCK 294821400 11 3200 SH X 3200 0 0 ERICSSON L M TEL CO FOREIGN STOCK 294821400 33 9500 SH X 8500 0 0 GLAXOSMITHKLINE PLC FOREIGN STOCK 37733W105 128 2274 SH X 2274 0 0 GLAXOSMITHKLINE PLC FOREIGN STOCK 37733W105 738 13144 SH X 5463 0 0 IMPERIAL PKG CORP FOREIGN STOCK 453077109 245 10200 SH X 0 0 10200 NORTEL NETWORKS CORP FOREIGN STOCK 656568102 120 21360 SH X 21360 0 0 NORTEL NETWORKS CORP FOREIGN STOCK 656568102 18 3270 SH X 2770 0 0 ROYAL DUTCH PETE CO FOREIGN STOCK 780257804 3805 75724 SH X 73625 0 0 ROYAL DUTCH PETE CO FOREIGN STOCK 780257804 3547 70580 SH X 62380 0 0 SCHLUMBERGER LTD FOREIGN STOCK 806857108 4015 87857 SH X 86389 0 400 SCHLUMBERGER LTD FOREIGN STOCK 806857108 1921 42030 SH X X 33530 350 1000 VODAFONE GROUP PLC FOREIGN STOCK 92857W100 1446 65869 SH X 65036 0 0 DAIMLER CHRYSLER AG FOREIGN STOCK D1668R123 116 3860 SH X 3860 0 0 DAIMLER CHRYSLER AG FOREIGN STOCK D1668R123 105 3513 SH X 3263 0 0 VODAFONE GROUP PLC NEW SPONSORED ADR 92857W100 917 41750 SH X X 32990 8260 0 NUVEEN NY SELECT QUALITY FD INC MUTUAL FUNDS 670976109 329 22700 SH X 22700 0 0 STANDARD & POORS DEP REC TR MUTUAL FUNDS 78462F103 1416 13560 SH X 13560 0 0 PAGE TOTAL 31523

FORM 13F SUMMARY PAGE Report Summary: Number of Other Included Managers: 1 Form 13F Information Table Entry Total: 556 Form 13F Information Table Value Total: 1,554,019 List of Other Included Managers: Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment Managers with respect to which this report is filed, other than the Manager filing this report. No. 13F File Number Name 1 28-39800 M&T BANK CORPORATION

MANUFACTURERS & TRADERS TRUST CO 13F-HR