BUFFALO, N.Y., Nov 10, 2004 /PRNewswire-FirstCall via COMTEX/ -- M&T Bank Corporation (NYSE: MTB)("M&T") will participate in the 2004 Global Banking and Financial Services Investor Conference hosted by Merrill Lynch next week. Representatives of M&T are scheduled to deliver a presentation to investors and analysts at 10:30 a.m. on Monday, November 15, 2004. The presentation will cover M&T's strategy and financial results and may include forward- looking and other material information.

The conference takes place at the St. Regis Hotel in New York City. A live audio-webcast of the presentation will be available via the Internet at http://ir.mandtbank.com/conference.cfm. The webcast will be archived and available for 30 days. Materials that will be used in this presentation will also be accessible at M&T's website, http://ir.mandtbank.com/conference.cfm.

M&T is headquartered in Buffalo, New York, and has banking branches in New York, Pennsylvania, Maryland, Virginia, West Virginia, Delaware and the District of Columbia.

     Investor Contact:     Donald J. MacLeod
                           (716) 842-5138

     Media Contact:        C. Michael Zabel
                           (716) 842-5385

SOURCE M&T Bank Corporation

Investors, Donald J. MacLeod, +1-716-842-5138, or Media, C.
Michael Zabel, +1-716-842-5385, both of M&T Bank Corporation

http://www.mandtbank.com

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