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): December 21, 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 December 21, 1999 that Manufacturers and Traders Trust Company ("M&T Bank"), its principal bank subsidiary, had reached an agreement to acquire Matthews, Bartlett & Dedecker, Inc., a property and casualty insurance agency based in Buffalo, New York. The acquisition is subject to a number of closing conditions, including M&T Bank's receipt of approval from the New York State Banking Board. Upon completion of the acquisition, which is expected in the first quarter of 2000, the insurance agency will operate as a subsidiary of M&T Bank. 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: December 28, 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: December 21, 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 -

For Immediate Release Tuesday, December 21, 1999 CONTACT: Gary S. Paul M&T Bank Corporation (716) 842-5138 Gerald C. Saxe Matthews, Bartlett & Dedecker, Inc. (716) 853-7960 BUFFALO, NEW YORK --M&T Bank Corporation (NYSE:MTB) and its principal banking subsidiary, Manufacturers and Traders Trust Company ("M&T Bank"), today announced that M&T Bank has reached an agreement to acquire Matthews, Bartlett & Dedecker, Inc. ("MBD"), a property and casualty insurance agency based in Buffalo, New York. Upon completion of the acquisition, expected in the first quarter of 2000, MBD will operate as a subsidiary of M&T Bank. MBD provides insurance products principally to the commercial market. The agency's current president, Mr. Gerald C. Saxe, will continue to head MBD as president. M&T Bank is the principal bank subsidiary of Buffalo-based M&T Bank Corporation, which is the nation's 33rd largest independent, publicly-owned commercial bank holding company with $21.8 billion in assets as of September 30, 1999.