SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 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): August 21, 2002
                                                         ----------------


                               EVANS BANCORP, INC.
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               (Exact name of Registrant as Specified in Charter)


             New York                  0-18539                 16-1332767
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 (State or Other Jurisdiction        (Commission            (I.R.S. Employer
      of Incorporation)              File Number)         Identification Number)


14-16 North Main Street, Angola, New York                         14006
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(Address of Principal Executive Offices)                       (Zip Code)


 Registrant's telephone number, including area code    (716) 549-1000
                                                      -------------------------
ITEM 5.       OTHER EVENTS

              Evans Bancorp, Inc. is filing herewith a press release issued on
              August 21, 2002 which is included herein. This press release was
              issued to announce a dividend to be paid on the Company's common
              stock as approved by the Board of Directors.

ITEM 7.       FINANCIAL STATEMENT AND EXHIBITS

              The following exhibit is included herein:

              99.1     August 21, 2002 Press Release


















                                   SIGNATURES

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 hereunto duly authorized.

                                         EVANS BANCORP, INC.

                                         By:
                                               James Tilley, President & CEO


August 21, 2002