SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 20549

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                                    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): March 7, 2002
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                               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
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ITEM 5.   OTHER EVENTS

          Evans Bancorp, Inc. is filing herewith a press release issued on March
          7, 2002 which is included herein. This press release was issued to
          announce that its Board of Directors has declared a semi-annual
          dividend to be paid on outstanding EVBN common stock.

ITEM 7.   FINANCIAL STATEMENT AND EXHIBITS

          The following exhibit is included herein:

          99.1   March 7, 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:/s/ James Tilley
                                        -------------------------------------
                                            James Tilley, President


March 7, 2002