WASHINGTON, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT
     Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934

       Date of Report (Date of earliest event reported): October 20, 2003

                           [LOGO] COMMUNITY BANK SYSTEM, INC.
             (Exact name of registrant as specified in its charter)

                             New York Stock Exchange
                   (Name of Each Exchange on Which Registered)

         Delaware                                               16-1213679
(State or other jurisdiction                                 (I.R.S. Employer
      of incorporation)                                     Identification No.)

 5790 Widewaters Parkway, DeWitt, New York                        13214-1883
 (Address of principal executive offices)                         (Zip Code)

                                 (315) 445-2282
              (Registrant's telephone number, including area code)

          (Former Name or Former Address, if Changed Since Last Report)

Item 7.  Financial Statements and Exhibits.

The following exhibit is filed as a part of this report:

           Exhibit No.                    Description
           -----------                    -----------
           99                             Press Release, dated October 20, 2003

Item 9. Information Being Provided Under Item 12.

On October 20, 2003, Community Bank System, Inc. announced its results of
operations for the fiscal quarter ending September 30, 2003. The public
announcement was made by means of a news release, the text of which is set forth
in Exhibit 99 hereto. This information is being furnished pursuant to Item 12 of
Form 8-K and is being presented under Item 9 as provided in the Commission's
final rule; interim guidance regarding Form 8-K Item 11 and Item 12 filing
requirements (Release No. 34-47583).


Pursuant to the requirements of The Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.

                           Community Bank System, Inc.

Date: October 21, 2003                   /s/ Sanford A. Belden
                                         Sanford A. Belden, President and
                                         Chief Executive Officer

Date: October 21, 2003                   /s/ Mark E. Tryniski
                                         Mark E. Tryniski, Chief
                                         Financial Officer