13F-HR 1 d13fhr.txt FORM 13FHR ================================================================================ UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ---------- FORM 13F FORM 13F COVER PAGE Report for the Calendar Year or Quarter Ended: 06/30/2003 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, 5/14/03 1 M & T BANK 8/14/03 Report Type (Check only one) [X] 13F HOLDINGS REPORT [_] 13F COMBINATION REPORT ================================================================================

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PAGE #57 ITEM 2 SEC USE ONLY______________________________________________ ITEM 1 TITLE ITEM 3 ITEM 6 ITEM 7 ITEM 8 NAME OF OF CUSIP/ ITEM 4 ITEM 5 INVESTMENT AUTHORITY MNGR VOTING AUTHORITY(SHARES) ISSUER CLASS TICKER MARKET SH/PV SOLE SHRD- SHRD- SOLE SHARED NONE INSTR OTHER

PAGE 58# 13-F Summary Page Number of Other Included Managers: 2 Form 13-F Information Table Entry Total: 2421 Form 13-F Information Table Value Total: 4,880,197,800

MANUFACTURERS & TRADERS TRUST CO 13F-HR