Investor Information

ANNUAL REPORT ON FORM 10 -K Investor and shareholder information regarding First Niagara Financial Group, Inc., including all filings with the Securities and Exchange Commission, is available through the Company's website www.firstniagarafinancial.com. Copies may also be obtained without charge upon request to: First Niagara Financial Group, Inc. Attn: Christopher J.Thome Assistant Vice President Reporting and Investor Relations Manager 6950 South Transit Road P.O. Box 514 Lockport, NY 14095-0514 (716)625-7645 TRANSFER AGENT Communications regarding change of address, transfer of stock and lost certificates should be sent to: Mellon Investor Services, LLC P.O. Box 3315 South Hackensack, NJ 07606 (877) 785-9670 Website: melloninvestor.com ANNUAL MEETING OF SHAREHOLDERS The Annual Shareholders Meeting will be held on Tuesday, May 7, 2002 at 10:00 a.m.: Sean Patrick's Banquet Facility 3480 Millersport Highway Getzville, NY 14068

STOCK DATA First Niagara Financial Group, Inc.'s, common stock is traded on the NASDAQ National Market System under the symbol FNFG. At March 11, 2002, there were 25,944,112 shares of common stock outstanding and approximately 6,700 shareholders of record. Set forth below are the high, low and closing prices for the Company's common shares by quarter. Data was supplied by NASDAQ: Common stock dividends were paid as follows: RATE PER SHARE