EXHIBIT 99.2

        CERTIFICATION OF CHIEF FINANCIAL OFFICER UNDER 18 U.S.C. SS.1350

I, Michael P. Pinto, Executive Vice President and Chief Financial Officer of M&T
Bank Corporation, hereby certify, to my knowledge:

         (1)      that the Quarterly Report on Form 10-Q of M&T Bank Corporation
                  for the quarterly period ended on June 30, 2002 filed with the
                  Securities and Exchange Commission on July 31, 2002 at File
                  No. 1-9861 (the "Report") fully complies with the requirements
                  of Section 13(a) or 15(d), as applicable, of the Securities
                  Exchange Act of 1934; and

         (2)      that the information contained in such Report fairly presents,
                  in all material respects, the financial condition and results
                  of operations of M&T Bank Corporation.


The foregoing certification is being furnished solely pursuant to 18 U.S.C.
ss.1350 and is not being filed as part of the Report or aS a separate disclosure
document.






/s/ Michael P. Pinto
---------------------------------
Michael P. Pinto
August 6, 2002





                                       -4-