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Friday was the final day for First Niagara in Western New York, including the location at 401 Central Avenue in the city of Dunkirk. First Niagara is consolidating with KeyBank. Because KeyBank is located at 51 E. Fourth St., officials made the decision to close the Central Avenue location. The Central Avenue bank was previously HSBC and before that it was Marine Midland. According to research done by Michael Barris of Fredonia, the bank was first opened March 5, 1938 by the Lake Shore Banking Co. Then consolidation of the Chautauqua National Bank of Jamestown and the Lake Shore National Bank of Dunkirk under the charter of the Chautauqua National was completed in April, 1957. The two institutions were both Marine Midland banks. No plans have been announced for the 401 Central Ave. building.