Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
—	GENERAL ELECTRIC CO	535,060	$12.41M	11.9%	—	—	COMMON STOCK	369604103
XOM	EXXON MOBIL CORP	87,991	$7.95M	7.6%	—	—	COMMON STOCK	30231G102
—	TRUSTCO BANK CORP NY	1,174,270	$6.388M	6.1%	—	—	COMMON STOCK	898349105
JNJ	JOHNSON & JOHNSON	58,152	$4.993M	4.8%	—	—	COMMON STOCK	478160104
KO	COCA COLA CO	112,989	$4.532M	4.4%	—	—	COMMON STOCK	191216100
PG	PROCTER & GAMBLE CO	44,048	$3.392M	3.3%	—	—	COMMON STOCK	742718109
MSFT	MICROSOFT CORP	97,777	$3.378M	3.2%	—	—	COMMON STOCK	594918104
CVX	CHEVRON CORP NEW	28,119	$3.327M	3.2%	—	—	COMMON STOCK	166764100
PEP	PEPSICO INC	36,258	$2.966M	2.9%	—	—	COMMON STOCK	713448108
—	UNITED TECHNOLOGIES CORP	29,295	$2.723M	2.6%	—	—	COMMON STOCK	913017109
DIS	DISNEY WALT CO	42,146	$2.662M	2.6%	—	—	COMMON STOCK	254687106
IBM	IBM CORP	13,577	$2.595M	2.5%	—	—	COMMON STOCK	459200101
INTC	INTEL CORP	91,625	$2.22M	2.1%	—	—	COMMON STOCK	458140100
WFC	WELLS FARGO & CO	49,857	$2.057M	2.0%	—	—	COMMON STOCK	949746101
JPM	JPMORGAN CHASE & CO	38,325	$2.023M	1.9%	—	—	COMMON STOCK	46625H100
T	AT&T INC	55,920	$1.979M	1.9%	—	—	COMMON STOCK	00206R102
MMM	3M CO	16,850	$1.843M	1.8%	—	—	COMMON STOCK	88579Y101
WMT	WAL-MART STORES INC	24,516	$1.826M	1.8%	—	—	COMMON STOCK	931142103
VZ	VERIZON COMMUNICATIONS INC	34,919	$1.758M	1.7%	—	—	COMMON STOCK	92343V104
CL	COLGATE PALMOLIVE CO	29,352	$1.681M	1.6%	—	—	COMMON STOCK	194162103
ABBV	ABBVIE INC	40,513	$1.675M	1.6%	—	—	COMMON STOCK	00287Y109
ABT	ABBOTT LABORATORIES	48,013	$1.674M	1.6%	—	—	COMMON STOCK	002824100
GIS	GENERAL MILLS INC	34,075	$1.653M	1.6%	—	—	COMMON STOCK	370334104
VWO	VANGUARD	42,070	$1.632M	1.6%	—	—	MUTUAL FUNDS GLOBAL	922042858
SO	SOUTHERN CO	32,228	$1.423M	1.4%	—	—	COMMON STOCK	842587107
—	MEDTRONIC INC	25,030	$1.288M	1.2%	—	—	COMMON STOCK	585055106
NKE	NIKE INC	18,498	$1.178M	1.1%	—	—	COMMON STOCK	654106103
CSCO	CISCO SYSTEMS INC	47,925	$1.167M	1.1%	—	—	COMMON STOCK	17275R102
PFE	PFIZER INC	37,821	$1.06M	1.0%	—	—	COMMON STOCK	717081103
AXP	AMERICAN EXPRESS CO	13,750	$1.028M	1.0%	—	—	COMMON STOCK	025816109
AMAT	APPLIED MATERIALS INC	68,300	$1.019M	1.0%	—	—	COMMON STOCK	038222105
BMY	BRISTOL-MYERS SQUIBB CO	22,072	$986K	0.9%	—	—	COMMON STOCK	110122108
TGT	TARGET CORP	14,184	$977K	0.9%	—	—	COMMON STOCK	87612E106
—	DU PONT E I DE NEMOURS & CO	15,236	$800K	0.8%	—	—	COMMON STOCK	263534109
MCD	MCDONALDS CORP	8,045	$796K	0.8%	—	—	COMMON STOCK	580135101
MRK	MERCK & CO INC	16,076	$747K	0.7%	—	—	COMMON STOCK	58933Y105
STT	STATE STREET CORP	11,325	$738K	0.7%	—	—	COMMON STOCK	857477103
—	JOHNSON CONTROLS INC	18,750	$671K	0.6%	—	—	COMMON STOCK	478366107
UPS	UNITED PARCEL SERVICE	7,165	$619K	0.6%	—	—	COMMON STOCK	911312106
ORCL	ORACLE CORP	19,597	$601K	0.6%	—	—	COMMON STOCK	68389X105
EXC	EXELON CORP	16,562	$512K	0.5%	—	—	COMMON STOCK	30161N101
ADP	AUTOMATIC DATA PROCESSING INC	7,373	$508K	0.5%	—	—	COMMON STOCK	053015103
NBTB	NBT BANCORP INC	23,486	$497K	0.5%	—	—	COMMON STOCK	628778102
PM	PHILIP MORRIS INTERNATIONAL INC	5,735	$496K	0.5%	—	—	COMMON STOCK	718172109
ECL	ECOLAB INC	5,767	$492K	0.5%	—	—	COMMON STOCK	278865100
—	DOW CHEMICAL CO	15,200	$489K	0.5%	—	—	COMMON STOCK	260543103
SLB	SCHLUMBERGER LTD	6,299	$451K	0.4%	—	—	FOREIGN STOCK	806857108
LOW	LOWES COMPANIES INC	10,984	$449K	0.4%	—	—	COMMON STOCK	548661107
TXN	TEXAS INSTRUMENTS INC	12,875	$449K	0.4%	—	—	COMMON STOCK	882508104
APD	AIR PRODUCTS & CHEMICALS INC	4,600	$421K	0.4%	—	—	COMMON STOCK	009158106
AAPL	APPLE INC	1,055	$418K	0.4%	—	—	COMMON STOCK	037833100
—	GLAXOSMITHKLINE PLC	8,261	$413K	0.4%	—	—	FOREIGN STOCK	37733W105
BHP	BHP BILLITON LTD	6,950	$400K	0.4%	—	—	FOREIGN STOCK	088606108
EFA	ISHARES	6,976	$399K	0.4%	—	—	MUTUAL FUND/STOCK	464287465
NSC	NORFOLK SOUTHERN CORP	5,400	$392K	0.4%	—	—	COMMON STOCK	655844108
MAS	MASCO CORP	17,600	$343K	0.3%	—	—	COMMON STOCK	574599106
—	JACOBS ENGINEERING GROUP	5,749	$317K	0.3%	—	—	COMMON STOCK	469814107
HD	HOME DEPOT INC	4,014	$311K	0.3%	—	—	COMMON STOCK	437076102
EMR	EMERSON ELECTRIC CO	5,413	$295K	0.3%	—	—	COMMON STOCK	291011104
—	APACHE CORP	3,075	$258K	0.2%	—	—	COMMON STOCK	037411105
MDLZ	MONDELEZ INTL INC	9,006	$257K	0.2%	—	—	COMMON STOCK	609207105
—	ANNALY CAPITAL MANAGEMENT INC	20,400	$256K	0.2%	—	—	COMMON STOCK	035710409
CAT	CATERPILLAR INC	2,843	$234K	0.2%	—	—	COMMON STOCK	149123101
NEE	NEXTERA ENERGY INC	2,500	$204K	0.2%	—	—	COMMON STOCK	65339F101
—	BAKER HUGHES INC	4,400	$203K	0.2%	—	—	COMMON STOCK	057224107
—	ALCOA INC	20,700	$162K	0.2%	—	—	COMMON STOCK	013817101