Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
—	GENERAL ELECTRIC	476,041	$13.34M	12.2%	—	—	COMMON STOCK	369604103
XOM	EXXON MOBIL CORP	79,159	$8.011M	7.4%	—	—	COMMON STOCK	30231G102
—	TRUSTCO BANK CORP	1,104,270	$7.928M	7.3%	—	—	COMMON STOCK	898349105
JNJ	JOHNSON & JOHNSON	56,291	$5.156M	4.7%	—	—	COMMON STOCK	478160104
KO	COCA COLA CO	102,339	$4.228M	3.9%	—	—	COMMON STOCK	191216100
PG	PROCTER & GAMBLE	41,645	$3.39M	3.1%	—	—	COMMON STOCK	742718109
CVX	CHEVRON CORP NEW	26,415	$3.299M	3.0%	—	—	COMMON STOCK	166764100
—	UNITED	26,995	$3.072M	2.8%	—	—	COMMON STOCK	913017109
PEP	PEPSICO INC	33,850	$2.807M	2.6%	—	—	COMMON STOCK	713448108
DIS	DISNEY WALT CO	36,721	$2.805M	2.6%	—	—	COMMON STOCK	254687106
INTC	INTEL CORP	100,033	$2.596M	2.4%	—	—	COMMON STOCK	458140100
IBM	IBM CORP	12,827	$2.406M	2.2%	—	—	COMMON STOCK	459200101
JPM	JPMORGAN CHASE &	39,622	$2.317M	2.1%	—	—	COMMON STOCK	46625H100
WFC	WELLS FARGO & CO	50,924	$2.312M	2.1%	—	—	COMMON STOCK	949746101
MMM	3M CO	15,600	$2.188M	2.0%	—	—	COMMON STOCK	88579Y101
ABBV	ABBVIE INC	37,283	$1.969M	1.8%	—	—	COMMON STOCK	00287Y109
CL	COLGATE PALMOLIVE	28,469	$1.857M	1.7%	—	—	COMMON STOCK	194162103
T	AT&T INC	51,960	$1.827M	1.7%	—	—	COMMON STOCK	00206R102
WMT	WAL-MART STORES	22,641	$1.781M	1.6%	—	—	COMMON STOCK	931142103
ABT	ABBOTT LABORATOR	46,262	$1.773M	1.6%	—	—	COMMON STOCK	002824100
VZ	VERIZON	33,119	$1.627M	1.5%	—	—	COMMON STOCK	92343V104
GIS	GENERAL MILLS INC	32,310	$1.612M	1.5%	—	—	COMMON STOCK	370334104
MSFT	MICROSOFT CORP	38,399	$1.437M	1.3%	—	—	COMMON STOCK	594918104
AXP	AMERICAN EXPRESS	15,750	$1.429M	1.3%	—	—	COMMON STOCK	025816109
SO	SOUTHERN CO	32,648	$1.342M	1.2%	—	—	COMMON STOCK	842587107
NKE	NIKE INC	16,898	$1.328M	1.2%	—	—	COMMON STOCK	654106103
—	MEDTRONIC INC	22,338	$1.282M	1.2%	—	—	COMMON STOCK	585055106
PFE	PFIZER INC	41,621	$1.275M	1.2%	—	—	COMMON STOCK	717081103
AMAT	APPLIED MATERIALS	67,850	$1.2M	1.1%	—	—	COMMON STOCK	038222105
CSCO	CISCO SYSTEMS INC	51,258	$1.149M	1.1%	—	—	COMMON STOCK	17275R102
BMY	BRISTOL-MYERS	21,472	$1.141M	1.0%	—	—	COMMON STOCK	110122108
AAPL	APPLE INC	1,790	$1.004M	0.9%	—	—	COMMON STOCK	037833100
ORCL	ORACLE CORP	25,447	$973K	0.9%	—	—	COMMON STOCK	68389X105
TGT	TARGET CORP	14,951	$946K	0.9%	—	—	COMMON STOCK	87612E106
MCD	MCDONALDS CORP	9,695	$941K	0.9%	—	—	COMMON STOCK	580135101
—	DU PONT E I DE	14,436	$938K	0.9%	—	—	COMMON STOCK	263534109
—	JOHNSON CONTROLS	17,550	$900K	0.8%	—	—	COMMON STOCK	478366107
MRK	MERCK & CO INC	17,676	$885K	0.8%	—	—	COMMON STOCK	58933Y105
STT	STATE STREET CORP	10,875	$798K	0.7%	—	—	COMMON STOCK	857477103
VWO	VANGUARD	18,530	$763K	0.7%	—	—	MUTUAL FUND/ST	922042858
UPS	UNITED PARCEL SE	7,148	$751K	0.7%	—	—	COMMON STOCK	911312106
—	DOW CHEMICAL CO	15,275	$678K	0.6%	—	—	COMMON STOCK	260543103
SLB	SCHLUMBERGER LTD	6,799	$613K	0.6%	—	—	FOREIGN STOCK	806857108
NBTB	NBT BANCORP INC	23,486	$608K	0.6%	—	—	COMMON STOCK	628778102
EFA	ISHARES	8,326	$559K	0.5%	—	—	MUTUAL FUND/ST	464287465
ECL	ECOLAB INC	5,234	$545K	0.5%	—	—	COMMON STOCK	278865100
ADP	AUTOMATIC DATA	6,693	$541K	0.5%	—	—	COMMON STOCK	053015103
TXN	TEXAS INSTRUMENTS	12,075	$530K	0.5%	—	—	COMMON STOCK	882508104
LOW	LOWES COMPANIES	10,451	$517K	0.5%	—	—	COMMON STOCK	548661107
PM	PHILIP MORRIS	5,885	$513K	0.5%	—	—	COMMON STOCK	718172109
NSC	NORFOLK SOUTHERN	5,000	$465K	0.4%	—	—	COMMON STOCK	655844108
APD	AIR PRODUCTS &	3,900	$436K	0.4%	—	—	COMMON STOCK	009158106
EXC	EXELON CORP	15,537	$426K	0.4%	—	—	COMMON STOCK	30161N101
MAS	MASCO CORP	17,550	$399K	0.4%	—	—	COMMON STOCK	574599106
EMR	EMERSON ELECTRIC	5,313	$373K	0.3%	—	—	COMMON STOCK	291011104
—	JACOBS	5,849	$368K	0.3%	—	—	COMMON STOCK	469814107
—	GLAXOSMITHKLINE	6,562	$351K	0.3%	—	—	FOREIGN STOCK	37733W105
BHP	BHP BILLITON LTD	4,550	$310K	0.3%	—	—	FOREIGN STOCK	088606108
C	CITIGROUP INC	5,818	$303K	0.3%	—	—	COMMON STOCK	172967424
—	APACHE CORP	3,075	$264K	0.2%	—	—	COMMON STOCK	037411105
HD	HOME DEPOT INC	3,100	$255K	0.2%	—	—	COMMON STOCK	437076102
MDLZ	MONDELEZ INTL INC	7,104	$251K	0.2%	—	—	COMMON STOCK	609207105
—	BAKER HUGHES INC	4,500	$249K	0.2%	—	—	COMMON STOCK	057224107
CAT	CATERPILLAR INC	2,543	$231K	0.2%	—	—	COMMON STOCK	149123101
—	ANNALY CAPITAL	19,900	$199K	0.2%	—	—	COMMON STOCK	035710409
—	ALCOA INC	18,400	$195K	0.2%	—	—	COMMON STOCK	013817101