CIK: 1237041 - Address: C/o 125 East Fourth Street, Dunkirk, NY 14048
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S%ret111-122-1-96-0
S%wins10000100100050

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10/22/04 10:50
10/21/04
FNFGFirst Niagara Financial Group IncDEFinancSnBnkSavings Institutions, Not FedKolkmeyer Paul JNYDOP,CEOS.d-42613.573-31-11264D-26112011-122-1-96

DDerivative transaction in filing (usually option exercise)
MMultiple transactions in filing; earliest reported transaction date and weighted average transaction price
AAmended filing
EError detected in filing
S - SaleSale of securities on an exchange or to another person
S - Sale+OESale of securities on an exchange or to another person (after option exercise)
F - TaxPayment of exercise price or tax liability using portion of securities received from the company
P - PurchasePurchase of securities on an exchange or from another person
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