Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
—	GENERAL ELECTRIC CO	505,076	$12.07M	12.0%	—	—	COMMON STOCK	369604103
XOM	EXXON MOBIL CORP	82,359	$7.086M	7.0%	—	—	COMMON STOCK	30231G102
—	TRUSTCO BANK CORP NY	1,104,270	$6.571M	6.5%	—	—	COMMON STOCK	898349105
JNJ	JOHNSON & JOHNSON	57,563	$4.99M	5.0%	—	—	COMMON STOCK	478160104
KO	COCA COLA CO	105,189	$3.984M	4.0%	—	—	COMMON STOCK	191216100
CVX	CHEVRON CORP NEW	27,165	$3.3M	3.3%	—	—	COMMON STOCK	166764100
PG	PROCTER & GAMBLE CO	43,095	$3.257M	3.2%	—	—	COMMON STOCK	742718109
—	UNITED TECHNOLOGIES CORP	28,095	$3.03M	3.0%	—	—	COMMON STOCK	913017109
PEP	PEPSICO INC	35,275	$2.804M	2.8%	—	—	COMMON STOCK	713448108
DIS	DISNEY WALT CO	37,996	$2.451M	2.4%	—	—	COMMON STOCK	254687106
IBM	IBM CORP	13,027	$2.412M	2.4%	—	—	COMMON STOCK	459200101
INTC	INTEL CORP	100,833	$2.311M	2.3%	—	—	COMMON STOCK	458140100
WFC	WELLS FARGO & CO NEW	50,724	$2.096M	2.1%	—	—	COMMON STOCK	949746101
JPM	JPMORGAN CHASE & CO	39,566	$2.045M	2.0%	—	—	COMMON STOCK	46625H100
MMM	3M CO	16,150	$1.929M	1.9%	—	—	COMMON STOCK	88579Y101
T	AT&T INC	54,800	$1.853M	1.8%	—	—	COMMON STOCK	00206R102
WMT	WAL-MART STORES INC	24,141	$1.786M	1.8%	—	—	COMMON STOCK	931142103
CL	COLGATE PALMOLIVE CO	29,119	$1.727M	1.7%	—	—	COMMON STOCK	194162103
ABBV	ABBVIE INC	38,233	$1.71M	1.7%	—	—	COMMON STOCK	00287Y109
VZ	VERIZON COMMUNICATIONS INC	34,219	$1.598M	1.6%	—	—	COMMON STOCK	92343V104
GIS	GENERAL MILLS INC	33,275	$1.595M	1.6%	—	—	COMMON STOCK	370334104
ABT	ABBOTT LABORATORIES	47,012	$1.561M	1.6%	—	—	COMMON STOCK	002824100
MSFT	MICROSOFT CORP	39,824	$1.326M	1.3%	—	—	COMMON STOCK	594918104
SO	SOUTHERN CO	31,928	$1.315M	1.3%	—	—	COMMON STOCK	842587107
—	MEDTRONIC INC	22,963	$1.223M	1.2%	—	—	COMMON STOCK	585055106
NKE	NIKE INC	16,598	$1.206M	1.2%	—	—	COMMON STOCK	654106103
PFE	PFIZER INC	41,321	$1.187M	1.2%	—	—	COMMON STOCK	717081103
AXP	AMERICAN EXPRESS CO	15,650	$1.182M	1.2%	—	—	COMMON STOCK	025816109
AMAT	APPLIED MATERIALS INC	66,950	$1.174M	1.2%	—	—	COMMON STOCK	038222105
CSCO	CISCO SYSTEMS INC	49,858	$1.169M	1.2%	—	—	COMMON STOCK	17275R102
TGT	TARGET CORP	15,851	$1.014M	1.0%	—	—	COMMON STOCK	87612E106
BMY	BRISTOL-MYERS SQUIBB CO	21,672	$1.003M	1.0%	—	—	COMMON STOCK	110122108
—	DU PONT E I DE NEMOURS & CO	14,836	$869K	0.9%	—	—	COMMON STOCK	263534109
ORCL	ORACLE CORP	25,947	$860K	0.9%	—	—	COMMON STOCK	68389X105
AAPL	APPLE INC	1,760	$839K	0.8%	—	—	COMMON STOCK	037833100
MCD	MCDONALDS CORP	8,295	$798K	0.8%	—	—	COMMON STOCK	580135101
—	JOHNSON CONTROLS INC	18,750	$779K	0.8%	—	—	COMMON STOCK	478366107
MRK	MERCK & CO INC	16,276	$775K	0.8%	—	—	COMMON STOCK	58933Y105
VWO	VANGUARD	18,865	$757K	0.8%	—	—	MUTUAL FUND/STOCK	922042858
STT	STATE STREET CORP	11,075	$728K	0.7%	—	—	COMMON STOCK	857477103
UPS	UNITED PARCEL SERVICE	7,098	$648K	0.6%	—	—	COMMON STOCK	911312106
—	DOW CHEMICAL CO	15,500	$596K	0.6%	—	—	COMMON STOCK	260543103
SLB	SCHLUMBERGER LTD	6,299	$557K	0.6%	—	—	FOREIGN STOCK	806857108
NBTB	NBT BANCORP INC	23,486	$540K	0.5%	—	—	COMMON STOCK	628778102
EFA	ISHARES	8,376	$534K	0.5%	—	—	MUTUAL FUND/STOCK	464287465
EXC	EXELON CORP	17,887	$530K	0.5%	—	—	COMMON STOCK	30161N101
TXN	TEXAS INSTRUMENTS INC	12,975	$523K	0.5%	—	—	COMMON STOCK	882508104
ECL	ECOLAB INC	5,284	$522K	0.5%	—	—	COMMON STOCK	278865100
LOW	LOWES COMPANIES INC	10,651	$507K	0.5%	—	—	COMMON STOCK	548661107
PM	PHILIP MORRIS INTERNATIONAL INC	5,835	$505K	0.5%	—	—	COMMON STOCK	718172109
ADP	AUTOMATIC DATA PROCESSING INC	6,693	$485K	0.5%	—	—	COMMON STOCK	053015103
APD	AIR PRODUCTS & CHEMICALS INC	4,100	$437K	0.4%	—	—	COMMON STOCK	009158106
NSC	NORFOLK SOUTHERN CORP	5,400	$418K	0.4%	—	—	COMMON STOCK	655844108
BHP	BHP BILLITON LTD	5,950	$396K	0.4%	—	—	FOREIGN STOCK	088606108
MAS	MASCO CORP	17,550	$373K	0.4%	—	—	COMMON STOCK	574599106
EMR	EMERSON ELECTRIC CO	5,413	$350K	0.3%	—	—	COMMON STOCK	291011104
—	GLAXOSMITHKLINE PLC	6,928	$347K	0.3%	—	—	FOREIGN STOCK	37733W105
—	JACOBS ENGINEERING GROUP	5,849	$340K	0.3%	—	—	COMMON STOCK	469814107
HD	HOME DEPOT INC	3,864	$293K	0.3%	—	—	COMMON STOCK	437076102
MDLZ	MONDELEZ INTL INC	9,006	$283K	0.3%	—	—	COMMON STOCK	609207105
—	APACHE CORP	3,075	$262K	0.3%	—	—	COMMON STOCK	037411105
—	ANNALY CAPITAL MANAGEMENT INC	20,400	$237K	0.2%	—	—	COMMON STOCK	035710409
CAT	CATERPILLAR INC	2,643	$220K	0.2%	—	—	COMMON STOCK	149123101
—	BAKER HUGHES INC	4,400	$216K	0.2%	—	—	COMMON STOCK	057224107
—	ALCOA INC	19,700	$160K	0.2%	—	—	COMMON STOCK	013817101