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): NOVEMBER 24, 1999 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)

Item 5. Other Events. M&T Bank Corporation announced on November 24, 1999 that its Board of Directors had authorized M&T Bank Corporation to repurchase up to 190,465 shares of its common stock, and disclosed that a previously reported repurchase program authorized in February 1999 had been completed on November 22, 1999, with the repurchase of an aggregate of 134,342 shares of common stock. The public announcement of the new stock repurchase program was made by means of a news release, the text of which is set forth in Exhibit 99 hereto. Item 7. Financial Statements and Exhibits. The following exhibit is filed as a part of this report: Exhibit No. ----------- 99 News release. Filed herewith. 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: November 24, 1999 By: /s/ Michael P. Pinto ---------------------------------------- Michael P. Pinto Executive Vice President and Chief Financial Officer - 2 -

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 Report Dated: NOVEMBER 24, 1999 Commission File Number: 1-9861 M&T BANK CORPORATION - -------------------------------------------------------------------------------- (Exact name of registrant as specified in its charter) EXHIBITS - 3 -

EXHIBIT INDEX Exhibit No. - ----------- 99 News Release. Filed herewith. - 4 -

Exhibit 99 Contact: Gary S. Paul FOR IMMEDIATE RELEASE (716) 842-5130 November 24, 1999 BUFFALO, NEW YORK --M&T Bank Corporation ("M&T") (NYSE:MTB) announced that it has been authorized by its Board of Directors to purchase and hold as treasury stock up to 190,465 additional shares of its common stock. This represents approximately 2.5% of common shares currently outstanding. The additional shares of treasury stock will be used in connection with the possible future exercise of outstanding stock options granted under M&T's 1983 Stock Option Plan. Under this authorization, shares of common stock may be purchased from time-to-time in the open market or in privately negotiated transactions. M&T's previously announced program to reacquire 134,342 shares authorized on February 16, 1999 was completed on November 22, 1999. As of October 31, 1999, M&T had 7,794,088 shares of common stock outstanding, and it held 307,451 shares as treasury stock. M&T is a $21.8 billion bank holding company whose subsidiaries include Manufacturers and Traders Trust Company (Buffalo, New York) and M&T Bank, National Association (Oakfield, New York).