M&T Bank Corporation ("M&T") will participate in the 2004 Global Banking and Financial Services Investor Conference hosted by Merrill Lynch next week. Representatives of M&T are scheduled to deliver a presentation to investors and analysts at 10:30 a.m. on Monday, November 15, 2004. The presentation will cover M&T's strategy and financial results and may include forward- looking and other material information.

The conference takes place at the St. Regis Hotel in New York City. A live audio-webcast of the presentation will be available via the Internet at http://ir.mandtbank.com/conference.cfm. The webcast will be archived and available for 30 days. Materials that will be used in this presentation will also be accessible at M&T's website, http://ir.mandtbank.com/conference.cfm.

M&T is headquartered in Buffalo, New York, and has banking branches in New York, Pennsylvania, Maryland, Virginia, West Virginia, Delaware and the District of Columbia.

INVESTOR CONTACT:

Donald J. MacLeod

(716) 842-5138

MEDIA CONTACT:

Philip Hosmer

(410) 916-0790