EXHIBIT  20  DEFINITIVE  PROXY  STATEMENT  TO  SHAREHOLDERS
SCHEDULE  14A  INFORMATION
Proxy  Statement  Pursuant  to  Section  14(a) of the Securities Exchange Act of
1934
(Amendment  No.  )
Filed  by  the  Registrant  [X]
Filed  by  a  Party  other  than  the  Registrant  [  ]

Check  the  appropriate  box:
[  ]  Preliminary  Proxy  Statement
[  ]  Confidential,  for  use  of the Commission Only (as permitted by Rule 14a-
    6(e)(2)
[x]  Definitive  Proxy  Statement
[  ]  Definitive  Additional  Materials
[  ]  Soliciting  Material  Pursuant to Rule 240. 14a-11 (c) or Rule 240. 14a-12

      CANANDAIGUA  NATIONAL  CORPORATION
(NAME  OF  REGISTRANT  AS  SPECIFIED  IN  ITS  CHARTER)

(NAME  OF  PERSON  (S)  FILING  PROXY  STATEMENT,  IF  OTHER  THAN  REGISTRANT)

Payment  of  Filing  Fee  (Check  the  appropriate  box):
[x]  No  fee  required
[  ]  Fee  computed  on table below per Exchange Act Rules 14a-6(i) (1) and 0-11
(1)  Title  of  each  class  of  securities  to  which  transaction  applies:
      Not  Applicable
(2)  Aggregate  number  of  securities  to  which  transaction  applies:
      Not  Applicable
(3)  Per  unit  price of other underlying value of transaction computed pursuant
    to  Exchange  Act  Rule  0-11:
      Not  Applicable
(4)  Proposed  maximum  aggregate  value  of  transaction:
      Not  Applicable
(5)  Total  fee  paid:
      Not  Applicable

[  ]  Fee  paid  previously  with  preliminary  materials.
[  ]  Check  box  if  any  part of the fee is offset as provided by Exchange Act
Rule  O-11  (a)  (2)  and  identify  the filing for which the offsetting fee was
paid
previously.  Identify  the  previous  filing  by  registration statement number,
or
the  Form  or  Schedule  and  the  date  of  its  filing.

(1)Amount  Previously  Paid:
      Not  Applicable
(2)  Form,  Schedule  or  Registration  Statement  No.:
      Not  Applicable
(3)  Filing  Party:
      Not  Applicable
(4)  Date  Filed:
      Not  Applicable

















                                                            Page  71
<PAGE>
                     CANANDAIGUA  NATIONAL  CORPORATION
                      ANNUAL  MEETING  OF  STOCKHOLDERS
                               MARCH  15,  2000

              THIS  PROXY  IS  SOLICITED  BY  THE  BOARD  OF  DIRECTORS  OF
                     CANANDAIGUA  NATIONAL  CORPORATION

The undersigned hereby appoints Robert J. Craugh and James A. Avery, jointly and
severally, proxies, with power of substitution, to represent and to vote  at the
Annual Meeting of Stockholders (including adjournments)  of CANANDAIGUA NATIONAL
CORPORATION, to be  held on  March 15, 2000  at 1:00 p.m., at the Offices of the
Corporation,  72 South Main Street,  Canandaigua, New York,  with all powers the
undersigned  would  possess  if personally present,  as specified  on the ballot
below and  in  accordance with  their discretion for any other business that may
come before  the meeting or any  adjournment thereof, and the undersigned hereby
revokes all  proxies previously  given by the  undersigned with  respect  to the
shares  of  common  stock  covered  hereby.

Unless a  contrary choice is  specified, this proxy  will be voted "FOR" Items 1
and 2.  THE BOARD OF DIRECTORS RECOMMENDS A  VOTE "FOR" DIRECTORS' PROPOSALS TO:

  1.   Elect  three  Class  1  Directors  for  terms  of  three  years.
       NOMINEES: CAROLINE C. SHIPLEY, GEORGE W. HAMLIN, IV AND DAVID HAMLIN, JR.

            []  FOR          []  AGAINST            []  ABSTAIN

       TO WITHHOLD AUTHORITY TO VOTE FOR ANY NOMINEE, DRAW A SINGLE LINE THROUGH
         THE  NAME  OF  THAT  NOMINEE.

  2.  Transact  such  other  business as may properly come before the meeting or
        any  adjournment  thereof.

            []  FOR          []  AGAINST            []  ABSTAIN

THIS PROXY, WHEN PROPERLY  EXECUTED, WILL BE VOTED IN THE MANNER DIRECTED HEREIN
BY THE UNDERSIGNED STOCKHOLDER(S).  IF NO DIRECTION IS  MADE, THIS PROXY WILL BE
VOTED "FOR" ITEMS 1 AND 2.  THE  PROXIES WILL USE THEIR  DISCRETION WITH RESPECT
TO  ALL  MATTERS  REFERRED  TO  IN  ITEM  2.

When  shares  are held by  joint  owners,  both should  sign.  When  signing  as
attorney, executor,  administrator, trustee, guardian or other fiduciary or in a
representative capacity,  please add your title as such.  If signing as power of
attorney or in any  other representative  capacity, please provide proof of such
capacity.  If a  partnership,  please sign  in partnership  name  by  authorized
person.  If  a  corporation, please  sign in full  corporate name  by authorized
officer,  giving  title.

Receipt of the Notice of the Annual Meeting of Stockholders, the Proxy Statement
dated  February  28,  2000,  and  the 1999 Annual Report is hereby acknowledged.

Date  _______________,  2000

                                                   ----------------------------
                                                   Signature


                                                   ----------------------------
                                                   Signature  if  held  jointly
                                                   Please  sign,  date,  and
                                                     promptly  return  the proxy
                                                     in  the  enclosed envelope.







                                                            Page  72
<PAGE>

                  CANANDAIGUA  NATIONAL  CORPORATION
                       72  SOUTH  MAIN  STREET
                    CANANDAIGUA,  NEW  YORK  14424

  This Proxy Statement is being mailed to holders of common stock, in connection
with  solicitation  of proxies by the Board of Directors of Canandaigua National
Corporation  for  use at the Annual Meeting of Stockholders to be held March 15,
2000  at  1:00  p.m.  at  the  Offices of the Corporation, 72 South Main Street,
Canandaigua,  NY 14424 and any adjournment thereof.  Each proxy that is properly
executed and returned will be voted at the meeting and, if a choice is specified
therein,  will be voted in accordance with the specification made.  If no choice
is specified, it will be voted in favor of the proposals set forth in the notice
enclosed herewith.  Any proxy may be revoked by the person giving it at any time
prior  to  its  exercise.

  Only  stockholders  of  record as of the close of business on January 31, 2000
are  entitled  to  notice of, and to vote at, the Annual Meeting.  On that date,
there  were outstanding and entitled to vote 158,483 shares of common stock, par
value  $50  per  share.  Each  share of common stock is entitled to one vote.  A
quorum  will  consist  of  the holders of not less than a majority of the shares
entitled  to  vote,  present  either  in  person  or  by  proxy.

  This  Proxy  Statement  and  the  accompanying  proxy  are  being  mailed  by
first-class  mail  on  February  28,  2000.

  All  expenses  incurred in connection with the solicitation of proxies will be
borne by the Corporation.  It is estimated that the cost of this solicitation of
security  holders  will  be  approximately  $5,080.

          STOCK  OWNERSHIP  OF  CERTAIN  BENEFICIAL  OWNERS  AND  MANAGEMENT

Principal  Beneficial  Owners  of  Common  Stock
------------------------------------------------
<TABLE>
<CAPTION>

  A)  The  following  table  sets  forth,  as  of January 31, 2000, the name and
address  of  each  person  who  owns  of  record or who is known by the Board of
Directors  to  be  the  beneficial owner ("beneficial ownership" as used in this
Proxy  Statement  is  defined in Rule 13d-3 under the Securities Exchange Act of
1934)  of more than 5% of the Corporation's outstanding common stock, the number
of  shares  beneficially  owned,  and  the  percentage  of  the  Corporation's
outstanding  common  stock  so  owned  and  the  percentage  of  class  of  the
Corporation's  common  stock  beneficially  owned by all Directors and Principal
Officers  of  the  Corporation  as  a  group:



Shares of Common  Percent of
----------------  -----------
Name and Address                          Stock Owned        Class
--------------------------------------  ----------------  -----------
<S>                                     <C>               <C>
All Directors and Principal Officers
of Corporation as a Group (12 persons)         13,159(1)       8.30 %

<FN>

(1)  Includes  shares  set  forth  in  footnotes  to  Table  B
</TABLE>

As  of  January  31, 2000, the Trust Department of The Canandaigua National Bank
and  Trust Company held in various fiduciary capacities 44,569 shares or 28.12 %
of  the  outstanding  shares.  The Trust Department of the bank has the power to
vote  11,868  of  these  shares.









1                                                           Page  73


<PAGE>
<TABLE>


<CAPTION>


B)  Beneficial  Ownership  by  Directors  and  Principal Officers: The following
table sets forth as of January 31, 2000, the amount and percentage of the common
stock  of the Corporation beneficially owned by each Director and each Principal
Officer.



Shares of Common  Percent of
Name and Address          Stock Owned        Class
----------------------  ----------------  -----------
<S>                     <C>               <C>
Patricia A. Boland                    50        .03 %
Canandaigua, NY

David Hamlin, Jr.                    150        .09 %
Bloomfield, NY

Frank H. Hamlin                    5,277       3.33 %
Naples, NY

George W. Hamlin, IV               1,803       1.14 %
Canandaigua, NY

Stephen D. Hamlin                  1,500        .95 %
Canandaigua, NY

James S. Fralick                     100        .06 %
Canandaigua, NY

Richard P. Miller, Jr.                20        .01 %
Naples, NY

Caroline C. Shipley                  116        .07 %
Canandaigua, NY

Alan J. Stone                      3,804       2.40 %
Honeoye, NY

Gregory S. MacKay                    118        .07 %
Canandaigua, NY

Robert G. Sheridan                    68        .04 %
Canandaigua, NY

Daniel P. Fuller                     153        .10 %
Canandaigua, NY

<FN>

David  Hamlin  Jr.  shares  include  70  shares in his self-directed IRA held by
subsidiary  bank.

George W. Hamlin, IV shares include 161 shares owned individually by his spouse.
Mr. Hamlin has the option to acquire 825 shares under the terms of the Company's
1998 Stock  Option  Plan as described  under the "Stock Options" Section of this
Proxy  Statement

Stephen  D.  Hamlin  shares include 410 shares owned individually by his spouse.

Alan  J.  Stone  shares  include  475 shares owned by his IRA held by subsidiary
bank,  50  shares  owned  individually by his spouse, 83 shares owned by her IRA
held  by  the  subsidiary  bank and 326 shares owned by his three children under
Trust  Agreements.

2                                                           Page  74

Gregory  S. MacKay shares include 1 share owned  individually  by his spouse, 59
shares  owned  by his IRA held by subsidiary bank and 16 shares owned by his two
children.  Mr. MacKay has the  option to acquire  105 shares under  the terms of
the  Company's  1998  Stock  Option  Plan.

Robert  G.  Sheridan  shares  include 18 shares owned as custodian for his three
children  under  New York Uniform Transfers to Minors Act and 10 shares owned by
his IRA held  by subsidiary  bank.  Mr. Sheridan  has  the option to acquire 270
shares  under the terms of the  Company's 1998  Stock Option  Plan as  described
under  the  "Stock  Options"  Section  of  the  Proxy  Statement.

Daniel  P.  Fuller shares include 25 shares owned individually by his spouse and
86     shares  owned  as  custodian  for  his  two  children  under  New  York
Uniform
Transfers  to  Minors  Act.
</TABLE>


<PAGE>

                         ELECTION  OF  DIRECTORS

The number of Directors to be elected at the 2000 Annual  Meeting  is three.
Directors are elected annually by the stockholders to hold office for three
Years and  until  their  successors  are  elected  and  qualified.  Management
Has nominated as  Directors,  and  recommends  the  election,  of  the  three
persons  listed below.  Nominees  George  W.  Hamlin,  IV  and  Caroline  C.
Shipley are members of the present Board  and  were  first  elected  by  the
stockholders of the Corporation at the Annual Meeting held  in  1984.  Nominee
David  Hamlin, Jr. is a member of the present Board and  was  first  elected
by  the  stockholders  of  the  Corporation  at  the Annual Meeting  held  in
1993. Each  nominee  has  consented  to  be  named  in  this Proxy Statement
and  to  serve if elected.  If at  the time of the Annual Meeting any of them
becomes  unavailable  for  election, the  proxies  may  exercise discretionary
authority  to  vote for  substitutes proposed  by  the Board  of  Directors.
Management has  no  reason  to  believe  that  any  substitute  nominees  will
be required.

                INFORMATION  ON  DIRECTORS  AND  NOMINEES
<TABLE>
<CAPTION>
                2000  Incumbent  Class  1  Directors  -  Term  Expiring  2000



                                     Year First Elected
                                      Or Appointed to:   Principal Occupation
Name                                        Age              Corporation       Bank    For Past Five Years
-----------------------------------  ------------------  --------------------  ----  ------------------------
<S>                                  <C>                 <C>                   <C>   <C>
Caroline C. Shipley                                  60                  1984  1984  Educator - Director
                                                                                     New York State School
                                                                                     Boards Association
                                                                                     January 1991- present;
                                                                                     Vice President 1995;
                                                                                     President 1996 -1997

George W. Hamlin, IV                                 58                  1984  1979  President, CEO, CRA and
                                                                                     Trust Officer - The
                                                                                     Canandaigua National Bank
                                                                                     and Trust Company - April
                                                                                     1979 - present; Director of
                                                                                     the Buffalo Branch Federal
                                                                                     Reserve Bank of New York -
                                                                                     1992 - 1996; Director of
                                                                                     Federal Reserve Bank of New
                                                                                     York -1997 - Present

David Hamlin, Jr.                                    56                  1993  1993  Farmer; Colonel, USAF
                                                                                     Retired


</TABLE>










3                                                           Page  75
<PAGE>
<TABLE>
<CAPTION>
                    Class  3  Directors  -  Term  Expiring  2001

                                     Year First Elected
                                      Or Appointed to:   Principal Occupation
Name                                        Age              Corporation       Bank     For Past Five Years
-----------------------------------  ------------------  --------------------  ----  -------------------------
<S>                                  <C>                 <C>                   <C>   <C>
Robert G. Sheridan                                   51                  1984  1992  Senior Vice President and
                                                                                     Cashier - The Canandaigua
                                                                                     National Bank and Trust
                                                                                     Company - 1989 - present

Patricia A. Boland                                   64                  1986  1986  Retired Educator;
                                                                                     Retired Mayor - City of
                                                                                     Canandaigua

Alan J. Stone                                        59                  1986  1986  CEO Stone Construction
                                                                                     Equipment, Inc. until 1986;
                                                                                     Managing Partner - Stone
                                                                                     Properties July 1986 -
                                                                                     present; Chairman of the
                                                                                     Board - Canandaigua
                                                                                     National Corporation -
                                                                                     February 1994 - present

Richard P. Miller, Jr.                               56                  1998  1998  Senior Vice President &
                                                                                     Chief Operating Officer
                                                                                     University of Rochester
                                                                                     1996 - present.
</TABLE>










































4                                                           Page  76
<PAGE>
<TABLE>
<CAPTION>
                              Class  2  Directors  -  Term  Expiring  2002

                                    Year First Elected
                                     Or Appointed to:   Principal Occupation
Name                                       Age              Corporation       Bank     For Past Five Years
----------------------------------  ------------------  --------------------  ----  -------------------------
<S>                                 <C>                 <C>                   <C>   <C>
Frank H. Hamlin                                     94                  1984  1948  Bank Director - Investor

Stephen D. Hamlin                                   63                  1984  1973  Chief Executive Officer -
                                                                                    Sonnenberg Gardens
                                                                                    February 1996 - present

James S. Fralick                                    57                  1998  1998  Adjunct Professor -
                                                                                    Syracuse University
                                                                                    1998 - present

Daniel P. Fuller                                    49                  1996  1996  President and General
                                                                                    Manager Bristol Mountain
                                                                                    Ski Resort - December 1984
                                                                                    to present
<FN>

The  family relationships between the above-named Directors are as follows:  George Hamlin is the son of Frank
Hamlin.  Stephen  Hamlin  is the nephew of Frank Hamlin and first cousin of George Hamlin.  David Hamlin, Jr.,
is  a  first  cousin  once  removed  of  Frank  Hamlin  and  a  second  cousin  of  George and Stephen Hamlin.

</TABLE>


                   COMMITTEES  OF  THE  BOARD  OF  DIRECTORS

  The  Directors  of  Canandaigua  National Corporation and the Directors of The
Canandaigua  National  Bank  and  Trust  Company  are  the  same  persons.

  The Corporation does  not have standing  Examining, Compensation or Nominating
Committees.  These functions  are performed  by the following  committees of The
Canandaigua  National  Bank  and  Trust  Company:

  The  Examining  Committee consists of five (5) Directors who are not employees
of the subsidiary bank and who are appointed annually by the Board of Directors.
Members  of  the  Committee  are:

  Caroline  C.  Shipley;     Frank  H.  Hamlin;      James  S.  Fralick
  David  Hamlin,  Jr.;       Patricia  A.  Boland

  The  Examining  Committee  met seven  (7)  times  during 1999 to supervise the
internal  audit  and  compliance  activities  of  the Bank.  The function of the
Committee is to make or cause to be made suitable examinations every year and to
insure that the Bank's activities are being conducted in accordance with the law
and  the  banking  rules  and  regulations established by the Comptroller of the
Currency, other regulatory  and supervisory authorities, and in conformance with
established  policy.  In  addition,  the  Examining  Committee recommends to the
Board  of  Directors  the  services  of a reputable independent certified public
accounting  firm,  and  the  Board  of  Directors  then appoints the independent
certified  public  accounting  firm  at  the  annual  organizational  meeting of
Directors.  The  Committee  receives  and reviews the reports of the independent
certified  public  accounting  firm  and presents them to the Board of Directors
with  comments  and  recommendations.  At  least  once  during each twelve-month
period,  this Committee makes audits of the Trust Department or causes audits to
be  made  and  ascertains  whether  an adequate review of all the assets in each
trust  has  been  made.










5                                                           Page  77
<PAGE>
  The  Officer's  Compensation  Committee consists of four (4) Directors who are
not  employees  of  the  subsidiary  bank  and who are appointed by the Board of
Directors  each  year.  Members  of  the  Committee  are  as  follows:

  Daniel  P. Fuller;  Alan J. Stone; Caroline C. Shipley; Richard P. Miller, Jr.

  The Officers' Compensation Committee  met six (6) times during 1999 to perform
annual  reviews  of  officers'  performance.  Based  on the Committee's reviews,
recommendations  on officers' titles and salaries for the upcoming year are made
to  the  Board  of  Directors  for  approval.

  The Nominating and Governance Committee consists of five (5) Directors who are
not  employees  of  the  subsidiary  bank  and who are appointed by the Board of
Directors  each  year.  Members  of  the  Committee  are  as  follows:

  Patricia  Boland;   Daniel  P.  Fuller;       Caroline  C.  Shipley
  Alan  J.  Stone;     Richard  P.  Miller,  Jr.

  The  Nominating  and  Governance  Committee  met four (4) times during 1999 to
determine  personal  and  professional  qualifications  for  Board  of  Director
candidates.  The  Committee  reviews  the  qualifications  of  and  interviews
candidates  for Director and makes recommendations to the Board of Directors for
approval.

  In  addition,  the  Board  will  consider  recommendations  submitted  by
stockholders.  Any  stockholder  wishing  to  make such a recommendations should
submit  it to the Secretary of the Corporation.  Notice of intention to make any
nominations  or  other  proposals, other than by the Board of Directors, must be
made in writing and must be received by the Secretary of the Corporation no less
than  twenty  (20)  days  prior  to  any  meeting of stockholders called for the
election  of  Directors.  Such  notification  should  contain  the  following
information  to the extent known to the notifying stockholder:  (a) the name and
address  of each proposed nominee; (b) the principal occupation of each proposed
nominee; (c) the total number of shares of capital stock of the Corporation that
will  be  voted  for  each  proposed nominee; (d) the number of shares of common
stock  of  the  Corporation  owned  by  the  notifying  stockholder.

  The Board of Directors  of the  Corporation held thirteen (13) meetings during
2000.  No incumbent  Director of  the Bank or of  the Corporation attended fewer
than 75% of the aggregate of all the meetings of the Board of Directors and  the
Committees  of  which  they  were  members.

                    BOARD  OF  DIRECTORS  COMPENSATION

  For  the years 1999 and 1998, no compensation was paid to members of the Board
of  Directors of Canandaigua National Corporation.  For the years 1999 and 1998,
the  Chairman  of  the  Board  of Directors of The Canandaigua National Bank and
Trust  Company  was compensated at the rate of $450 per meeting attended and the
remaining  members  were  paid  at  the  rate  of  $425  per  meeting  attended.




















6                                                           Page  78
<PAGE>
                             PRINCIPAL  OFFICERS
<TABLE>


<CAPTION>


  The  following  table  sets  forth  selected  information  about the Principal
Officers  of  the Corporation, each of whom is elected by the Board of Directors
and  each  of  whom  holds  office  at the discretion of the Board of Directors:



                                                  Number
                       Office and                of Shares
                       Position with    Held     Beneficially
Name                   Corporation     Since       Owned      Age
--------------------  -------------  ---------  ------------  ---
<S>                   <C>            <C>        <C>           <C>
George W. Hamlin, IV  President           1984         1,803   58
Robert G. Sheridan    Secretary           1984            68   51
Gregory S. MacKay     Treasurer           1988           118   50

<FN>


George W. Hamlin, IV shares include 161 shares owned individually by his spouse.
Mr. Hamlin has the option to acquire 825 shares under the terms of the Company's
1998 Stock  Option  Plan as described  under the "Stock Options" Section of this
Proxy  Statement

Robert  G.  Sheridan  shares  include 18 shares owned as custodian for his three
children  under  New York Uniform Gifts to Minors Act and 10 shares owned by his
IRA held by subsidiary bank.  Mr. Sheridan has  the option to acquire 270 shares
under the terms of the Company's  1998 Stock Option Plan as  described under the
"Stock  Options"  Section  of  the  Proxy  Statement.

Gregory  S. MacKay shares include 1 share owned  individually  by his spouse, 59
shares  owned  by his IRA held by subsidiary bank and 16 shares owned by his two
children.  Mr. MacKay has the  option to acquire  105 shares under  the terms of
the  Company's  1998  Stock  Option  Plan.

  All  of  the  Principal  Officers  of  the  Corporation  are  officers  of the
subsidiary  bank and have served as officers of the subsidiary bank for the past
five  (5)  years.
</TABLE>
<TABLE>
<CAPTION>

                              EXECUTIVE  COMPENSATION
                            SUMMARY  COMPENSATION  TABLE

                                                 Annual Compensation                Long-Term Compensation
                                            --------------------------------   -----------------------------
                                                                                Awards  Other Compensation
                                                                                ------  ---------------------
                                                                      Other      SAR's     Defined
Name and                                                              Annual     PSA's   Contribution
Principal                                     Salary       Bonus    Compensation Stock     Plan         ESOP
Position                         Year           ($)          $)        ($)       Options    ($)          ($)
<S>                              <C>          <C>          <C>      <C>          <C>     <C>             <C>
George W. Hamlin, IV             1997         233,201       None      6,993      See       20,960       1,716
President                        1998         248,951      18,826     7,316      Table     22,569       1,786
                                 1999         246,443      25,643     8,964      Below     18,042       1,870

Robert G. Sheridan               1997         100,048        None     2,953      See       14,158       1,073
Secretary                        1998         106,805       8,932     3,400      Table     15,255       1,192
                                 1999         105,729      13,788     3,489      Below     12,076       1,236

</TABLE>













7                                                           Page  79
<PAGE>
                      STOCK  APPRECIATION  RIGHTS  (SAR)
                         PHANTOM  STOCK  AWARDS  (PSA)
<TABLE>


<CAPTION>

 The table set forth  below lists the value of the Stock Appreciation Rights and Phantom
Stock Awards as of  the date of award using the  highest of three different estimates of
value: (1) the book value of the Corporation, (2) the appraised value of the stock using
a  third-party  appraisal  of  the Corporation's  stock prepared  for the  Corporation's
Employee Stock Ownership  Plan, and (3) the  price at which the  Corporation's stock was
bought and sold in private transactions for which the Corporation has information during
the calendar quarter in which the award was made.  The Corporation does not have pricing
information regarding all  private purchases  and sales of the  Corporation's stock, and
the  shares of  the Corporation are  not listed on any national exchange nor traded over
the  counter.  The  Stock Appreciation  Rights and  Phantom Stock  Awards are perpetual.
Stock  Appreciation  Rights are  exercisable after  five years  from the  date of award.
Phantom Stock Awards are exercisable by a recipient upon  reaching the age of 55 or upon
attaining 15  years  of  continuous  full-time  employment  with the  company.  No Stock
Appreciation  Rights  nor  Phantom  Stock  Awards  were  made  after  1998.



Estimated
Value as of   Estimated
                                          % of                     Date of   Value as of
                             Number       Total      Price         Award     End of Year
                             Granted      SAR/PSAs    SARs Only    SAR/PSAs     SAR/PSAs
Name           Year          SAR/PSA      Granted     $/share         ($)         ($)
<S>            <C>        <C>             <C>         <C>        <C>          <C>
George W.      1997        36.75/36.75      25%        232.06        3,253        3,815
Hamlin, IV                                                          11,782       12,343
               1998        65.63/65.63      25%        241.99        7,941        7,941
                                                                    23,822       23,822

Robert G.      1997        22.05/22.05      15%        232.06        1,952        2,289
Sheridan                                                             7,069        7,406
               1998        39.38/39.38      15%        241.99        4,765        4,765
                                                                    14,293       14,293
</TABLE>
<TABLE>
<CAPTION>

  The  following  table  sets  forth below the aggregated SAR and PSA values at December
31,  1999  for  the  named  executive  officers.  The  value  of  the  SAR's  and  PSA's
reflected  in the table is the per-SAR and per-PSA value of $363.00 at December 31, 1999
minus  the  related exercise price.  The per-SAR and per-PSA value was frozen at $363.00
by  the  Board  of  Directors  effective  January  1,  1999.


                 Total number of unexercised                     Total Value of
                    SAR's and PSA's at                    Unexercised in-the money SAR's
                     December 31, 1999                    and PSA's  at December 31, 1999
                ------------------------------            -------------------------------
                 Exercisable      Unexercisable            Exercisable      Unexercisable
                      (#)              (#)                     ($)                ($)
<S>             <C>               <C>                      <C>              <C>
George W.
Hamlin, IV         1,205.86           307.61                  371,072            44,949

Robert G.
Sheridan             269.48           638.60                   57,827           191,785
<FN>
  No  Stock  Appreciation Rights or Phantom Stock Awards were exercised by the executive
officers  during
1999.
</TABLE>














8                                                           Page  80
<PAGE>
<TABLE>

<CAPTION>
                                      STOCK  OPTIONS

  During  1999,  the  Company  granted  options  pursuant  to  the  Company's  1998  Stock  Option
Plan.  The  Table  below  shows  the  relevant  information  pertaining  to  the  grant  of  options
during  1999  to  named  executive  officers.

Potential Realizable Value at
                                        % of                                 Assumed Annual Rates of
                          Number        Total      Base                     Stock Price Appreciation for
                          of Options   Options     Price      Expiration       The Option Term ($)(1)
Name           Year       Granted      Granted    $/share       Date(1)          5%           10%
<S>            <C>        <C>          <C>        <C>         <C>          <C>            <C>
George W.      1999        1,262         28%       360.52        2006          185,221      431,644
Hamlin, IV

Robert G.      1999          757         17%       360.52        2013          267,437      763,475
Sheridan

<FN>
  (1)  Since  the  stock  options  have  no  stated  expiration  date, the expiration date for these
calculations  is  the  year  of  the  grantee's  65th  birthday,  considered  normal retirement age.

</TABLE>

<TABLE>
<CAPTION>

  The  following  table  sets forth below the aggregated option values at December 31,
1999  for the named executive officers using an estimated market price of $437.18, the
latest  average  market  value  in  1999  in  a  public  auction.



                       Total number of                      Total Value of Unexercised
                    Unexercised options at                   in-the money options at
                      December 31, 1999                          December 31, 1999
                 ------------------------------            -------------------------------
                 Exercisable      Unexercisable            Exercisable      Unexercisable
                      (#)              (#)                     ($)                ($)
<S>             <C>               <C>                      <C>              <C>
George W.
Hamlin, IV            825              437                   63,245            33,500

Robert G.
Sheridan              270              488                   20,698            37,410

<FN>
  No  options  were  exercised  by  the  named  executive  officers  in  1999.

</TABLE>

  Compensation  for  the  executive  officers for whom disclosure is required by
Item 402 of Regulation S-K is determined by the Officers' Compensation Committee
consisting  of  Daniel  P.  Fuller,  Caroline C. Shipley and Alan J. Stone.  The
Committee's  consideration  consists  of, but is not limited to, analysis of the
following  factors:  financial  performance  of the company, including return on
equity,  return  on  assets, growth of the company, and management of assets and
liabilities.  In  addition,  the  Officers'  Compensation  Committee  conducts a
comparison study of the company's executive compensation with that of comparable
positions  in  similar companies within the company's peer group.  The Committee
also  considers  intangible  factors  such as the scope of responsibility of the
executive, leadership within the company, the community and within the industry,
and  whether  the  company,  under  the executive's leadership, has been able to
serve  worthwhile  public  purposes  while  enhancing shareholder value.  All of
these  factors  are  considered  in  the context of the market for the company's
products  and  services,  and the complexity and difficulty of managing business
risks  in  the  prevailing  economic  conditions  and  regulatory  environment.













9                                                           Page  81
<PAGE>

                                PERFORMANCE  GRAPH

                             (Omitted  Graph  Material)
<TABLE>
<CAPTION>

The  following  is  the  data  table  for  the  graph:

                                            Period Ending
                      ----------------------------------------------------------
Index                  12/31/94  12/31/95  12/31/96  12/31/97  12/31/98  12/31/99
<S>                    <C>       <C>       <C>       <C>       <C>       <C>
Canandaigua Nat. Corp    100.00    121.20    127.83    140.56    155.62    194.38
SNL Mid-Atl. Index       100.00    160.04    229.66    326.41    361.87    459.77
SNL <$500M Bank Index    100.00    136.80    176.08    300.16    274.06    253.69
</TABLE>

  The  above  performance  graph  is  required  to  be  set  forth  in the Proxy
Statement  by Item 402 (1) of Regulation S-K.  The theory incorporated into this
requirement  is that all corporations have organized orderly markets in which to
exchange  their  securities.  The  graph  is  provided  so that stockholders and
prospective  stockholders can compare market results with peer companies or with
indexes  of  companies  in  similar businesses or having similar capitalization,
e.g.,  those  companies  which  are  listed  on  the  NASDAQ  or  NYSE.

  THE  CORPORATION'S  COMMON  STOCK  IS  NOT  LISTED  WITH A NATIONAL SECURITIES
EXCHANGE,  NOR  IS  IT TRADED IN THE OVER-THE-COUNTER MARKET.  THE CORPORATION'S
COMMON  STOCK  IS  NOT  ACTIVELY  TRADED;  LESS  THAN  1%  OF  THE CORPORATION'S
OUTSTANDING  SHARES  HAVE  BEEN  BOUGHT  AND SOLD IN ANY YEAR REPRESENTED IN THE
GRAPH.  DUE  TO  THE  EXTREMELY LIMITED NUMBER OF TRANSACTIONS, THE AVERAGE SALE
PRICE  OF THE CORPORATION'S COMMON STOCK USED IN THE GRAPH MAY NOT BE INDICATIVE
OF  THE  ACTUAL  MARKET  VALUE OF THE CORPORATION'S COMMON STOCK.  THE GRAPH SET
FORTH  BELOW  DEPICTS  THE  AVERAGE SALE PRICE OF THE CORPORATION'S COMMON STOCK
BASED  ONLY  UPON  TRANSACTIONS FOR WHICH THE CORPORATION HAS PRICE INFORMATION.
THERE  ARE  PURCHASES  AND SALES OF THE CORPORATION'S COMMON STOCK FOR WHICH THE
CORPORATION  HAS  NO PRICE INFORMATION; THEREFORE, THE ACTUAL AVERAGE SALE PRICE
OF  ALL SHARES BOUGHT AND SOLD IN ANY QUARTER MAY BE DIFFERENT THAN SET FORTH IN
THE  GRAPH.































10                                                          Page  82
<PAGE>

                    INDEPENDENT  CERTIFIED  PUBLIC  ACCOUNTANTS

  The  Board  of Directors has selected KPMG LLP as independent certified public
accountants of Canandaigua National Corporation until the Annual Meeting held in
2000.  Representatives  are  expected  to  be  present  at the meeting and to be
available  to  respond  to  appropriate  questions.  They  will  be  given  the
opportunity  to  make  a  statement  if  they  so  desire.


                              FINANCIAL  INFORMATION

  Incorporated  by  reference  and  made  a  part hereof is the Annual Report of
Canandaigua  National  Corporation  for  the  year  ending  December  31,  1999.

                                  OTHER  MATTERS

  The Board of Directors knows of no other matters to be brought before the 2000
Annual  Meeting  of  Stockholders.  However, if other matters should come before
the meeting, it is the intention of each person named in the Proxy to vote it in
accordance  with  his  or  her  judgment  on  such  matters.

      By  Order  of  the  Board  of  Directors

      /s/  George  W.  Hamlin,  IV
      George  W.  Hamlin,  IV
      Secretary  -  Board  of  Directors
      February  28,  2000








































11                                                          Page  83
<PAGE>