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<!--XBRL document created with Bowne Tagger. XBRL Parser version 10.0.0.46-->
<!--Based on XBRL 2.1-->
<!--Created on: 7/3/2009 10:08:50 AM-->
<!--Modified on: 2/19/2010 2:38:22 PM-->
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        <link:definition>0624 - Disclosure - Relationship of M&amp;T and AIB</link:definition>
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        <link:definition>0626 - Disclosure - Parent company financial statements</link:definition>
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        <link:definition>0623 - Disclosure - Regulatory Matters</link:definition>
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        <link:definition>0620 - Disclosure - Fair value measurements</link:definition>
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      <link:roleType roleURI="http://mtb.com/role/VariableInterestEntitiesAndAssetSecuritizations" id="VariableInterestEntitiesAndAssetSecuritizations">
        <link:definition>0619 - Disclosure - Variable interest entities and asset securitizations</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>0617 - Disclosure - International activities</link:definition>
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        <link:definition>0616 - Disclosure - Other income and other expense</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://mtb.com/role/IncomeTaxes" id="IncomeTaxes">
        <link:definition>0613 - Disclosure - Income taxes</link:definition>
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      <link:roleType roleURI="http://mtb.com/role/StockBasedCompensationPlans" id="StockBasedCompensationPlans">
        <link:definition>0611 - Disclosure - Stock-based compensation plans</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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      <link:roleType roleURI="http://mtb.com/role/GoodwillAndOtherIntangibleAssets" id="GoodwillAndOtherIntangibleAssets">
        <link:definition>0608 - Disclosure - Goodwill and other intangible assets</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>0607 - Disclosure - Capitalized servicing assets</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>0606 - Disclosure - Premises and equipment</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>0605 - Disclosure - Allowance for credit losses</link:definition>
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        <link:definition>0604 - Disclosure - Loans and leases</link:definition>
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        <link:definition>0610 - Disclosure - Stockholders equity</link:definition>
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        <link:definition>0625 - Disclosure - Relationship with Bayview Lending Group LLC and Bayview Financial Holdings, L.P.</link:definition>
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        <link:definition>0622 - Disclosure - Segment information</link:definition>
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        <link:definition>0621 - Disclosure - Commitments and contingencies</link:definition>
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        <link:definition>0618 - Disclosure - Derivative financial instruments</link:definition>
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        <link:definition>0615 - Disclosure - Comprehensive income</link:definition>
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        <link:definition>0614 - Disclosure - Earnings per common share</link:definition>
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      <link:roleType roleURI="http://mtb.com/role/PensionPlansAndOtherPostretirementBenefits" id="PensionPlansAndOtherPostretirementBenefits">
        <link:definition>0612 - Disclosure - Pension plans and other postretirement benefits</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>0609 - Disclosure - Borrowings</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>0603 - Disclosure - Investment securities</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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      <link:roleType roleURI="http://mtb.com/role/Acquisitions" id="Acquisitions">
        <link:definition>0602 - Disclosure - Acquisitions</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>0601 - Disclosure - Significant accounting policies</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>041 - Statement - Consolidated Statement of Changes in Stockholders Equity (Parenthetical)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>04 - Statement - Consolidated Statement of Changes in Stockholders Equity</link:definition>
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        <link:definition>00 - Document - Document and Company Information</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>011 - Statement - Consolidated Balance Sheet (Parenthetical)</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
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        <link:definition>03 - Statement - Consolidated Statement of Cash Flows</link:definition>
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        <link:definition>02 - Statement - Consolidated Statement of Income</link:definition>
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        <link:definition>01 - Statement - Consolidated Balance Sheet</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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  <element id="mtb_AcquisitionsOfDepositsAndBankingOfficesNetOfCashAcquired" name="AcquisitionsOfDepositsAndBankingOfficesNetOfCashAcquired" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="mtb_ProceedsFromIssuanceOfPreferredStockAndWarrants" name="ProceedsFromIssuanceOfPreferredStockAndWarrants" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="mtb_IssuanceOfPreferredStockAndAssociatedWarrants" name="IssuanceOfPreferredStockAndAssociatedWarrants" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="mtb_GoodwillAndOtherIntangibleAssetsAbstract" name="GoodwillAndOtherIntangibleAssetsAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="mtb_InternationalActivitiesAbstract" name="InternationalActivitiesAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="mtb_InternationalActivitiesTextBlock" name="InternationalActivitiesTextBlock" type="us-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="mtb_ParentCompanyFinancialStatementsAbstract" name="ParentCompanyFinancialStatementsAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="mtb_VariableInterestEntitiesAndAssetSecuritizationsAbstract" name="VariableInterestEntitiesAndAssetSecuritizationsAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
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  <element id="mtb_RelationshipWithSubsidiaryCompanyAbstract" name="RelationshipWithSubsidiaryCompanyAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="mtb_ProceedsFromSalesOfInvestmentSecuritiesAbstract" name="ProceedsFromSalesOfInvestmentSecuritiesAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="mtb_ProceedsFromMaturitiesOfInvestmentSecuritiesAbstract" name="ProceedsFromMaturitiesOfInvestmentSecuritiesAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="mtb_SecuritizationOfResidentialMortgageLoansAllocatedToAbstract" name="SecuritizationOfResidentialMortgageLoansAllocatedToAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="mtb_FairValueMeasurementsAbstract" name="FairValueMeasurementsAbstract" abstract="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element id="mtb_WarrantsIssuedAcquisitions" name="WarrantsIssuedAcquisitions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="mtb_RelationshipWithOtherAffiliateTextblock" name="RelationshipWithOtherAffiliateTextblock" type="us-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
</schema>
</XBRL>
