Financial Institutions Inc., the Warsaw, N.Y., parent of Five Star Bank, will be the latest in a string of banks settling charges of redlining. The company has agreed to pay $900,000 and open two branches in Rochester, N.Y., to settle charges it excluded minority neighborhoods in the area from its mortgage business. New York Attorney General Eric Schneiderman's action against Evans Bank, based on claims the Hamburg, N.Y. bank had redlined predominantly black neighborhoods in Buffalo, appears likely to go to trial. Providence, R.I. recently dropped a lawsuit against Santander Bank, based on claims that bank has scaled back lending in black and Latino neighborhoods, after the bank agreed to give $1.3 million in grants to support low-income neighborhoods in the city.