M&T BANK CORPORATION
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION

Washington, D. C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of
the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): January 11, 2005

M&T BANK CORPORATION


(Exact name of registrant as specified in its charter)

New York


(State or other jurisdiction of incorporation)
     
1-9861   16-0968385
     
(Commission File Number)   (I.R.S. Employer Identification No.)
     
One M&T Plaza, Buffalo, New York   14203
     
(Address of principal executive offices)   (Zip Code)

     Registrant’s telephone number, including area code: (716) 842-5445

(NOT APPLICABLE)


(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instructions A.2. below):

     
o   Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
     
o   Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
     
o   Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
     
o   Pre-commencement communications pursuant to Rule 13e4(c) under the Exchange Act (17 CFR 240.13e-4(c))

 


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Item 2.02. Results of Operations and Financial Condition.
Item 9.01. Financial Statements and Exhibits.
EXHIBIT 99


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Item 2.02. Results of Operations and Financial Condition.

     On January 11, 2005, M&T Bank Corporation announced its results of operations for the fiscal quarter and full year ending December 31, 2004. The public announcement was made by means of a news release, the text of which is set forth in Exhibit 99 hereto.

     The information in this Form 8-K, including Exhibit 99 attached hereto, is being furnished under Item 2.02 and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”), or otherwise subject to the liability of such section, nor shall it be deemed incorporated by reference in any filing of M&T Bank Corporation under the Securities Act of 1933 or the Exchange Act, regardless of any general incorporation language in such filing, unless expressly incorporated by specific reference in such filing.

Item 9.01. Financial Statements and Exhibits.

     (c) Exhibits.

     
Exhibit No.
 
   
     99
  News Release dated January 11, 2005.

SIGNATURES

     Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

             
    M&T BANK CORPORATION
 
           
Date: January 11, 2005
  By:   /s/ Michael P. Pinto    
           
      Michael P. Pinto
Executive Vice President
and Chief Financial Officer
   

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EXHIBIT INDEX

     
Exhibit No.
 
   
      99
  News Release dated January 11, 2005. Filed herewith.

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