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: 12/31/2002 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 : M&T Bank, 2/14/03 1 M & T BANK 2/14/03 Report Type (Check only one) [X] 13F HOLDINGS REPORT [ ] 13F COMBINATION REPORT

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Page #38 FORM 13F SUMMARY PAGE Report Summary: Number of Other Included managers: 1 Form 13F Information Table Entry Total: 1135 Form 13F Information Table Value Total: 1,666,412,490 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