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We
are Pleased to Welcome M&T Bank to the GRDC
 M&T
Bank is considered one of the country's most highly
regarded regional banks. It was founded over 140 years
ago in Western New York, where it is still headquartered.
Its parent company, M&T Bank Corporation, had over
$52 billion in assets as of December 31, 2004 and is
one of the 20 largest bank holding companies in the
U.S. Customers are able to bank at over 650 branches
throughout Delaware, Maryland, New York, Pennsylvania,
Virginia, West Virginia, and Washington D.C. and be
served by friendly and professional staff. In addition,
customers have access to a sizable ATM network of more
than 1,500 locations as well as state-of-the-art telephone
and Web Banking. M&T Bank is recognized for its
financial strength and sound management.
This strength, along with its entrepreneurial philosophy,
has made it possible to pursue a course of well-managed
growth.
 M&T
Bank built its business on a tradition of reliability,
accuracy and responsiveness to the needs of our customers.
It believes strongly in taking an active role in the
communities it serves. It is proud of its long history
of civic and charitable support, including the leadership
and volunteer efforts of our employees. Its focus on
investing in state-of-the-art technology in order to
provide high-quality banking services has been strongly
endorsed by customers. Most importantly, it has allowed
the company to grow without sacrificing its commitment
to personal service. M&T Bank pledges to work hard
to earn customer trust and your business.  It
is committed to understanding what's important to you,
so we can provide the best solutions for all your financial
needs.
Representing
M&T is Susan Sciarra, Regional Sales Manager, Administrative
Vice President. Susan may be contacted at 118 N. Tioga
St., Ithaca, NY 14850, ssciarra@mandtbank.com
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