Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
—	GENERAL ELECTRIC CO	455,866	$11.68M	10.8%	—	—	COMMON STOCK	369604103
XOM	EXXON MOBIL CORP	79,843	$7.51M	6.9%	—	—	COMMON STOCK	30231G102
—	TRUSTCO BANK CORP NY	1,104,270	$7.111M	6.5%	—	—	COMMON STOCK	898349105
JNJ	JOHNSON & JOHNSON	54,681	$5.828M	5.4%	—	—	COMMON STOCK	478160104
KO	COCA COLA CO	93,169	$3.975M	3.7%	—	—	COMMON STOCK	191216100
INTC	INTEL CORP	100,405	$3.496M	3.2%	—	—	COMMON STOCK	458140100
PG	PROCTER & GAMBLE CO	40,244	$3.37M	3.1%	—	—	COMMON STOCK	742718109
CVX	CHEVRON CORP NEW	25,477	$3.04M	2.8%	—	—	COMMON STOCK	166764100
PEP	PEPSICO INC	32,350	$3.011M	2.8%	—	—	COMMON STOCK	713448108
DIS	DISNEY WALT CO	32,421	$2.886M	2.7%	—	—	COMMON STOCK	254687106
—	UNITED TECHNOLOGIES CORP	25,656	$2.709M	2.5%	—	—	COMMON STOCK	913017109
IBM	INTERNATIONAL BUSINESS MACHS	14,133	$2.683M	2.5%	—	—	COMMON STOCK	459200101
WFC	WELLS FARGO & CO NEW	51,564	$2.674M	2.5%	—	—	COMMON STOCK	949746101
JPM	JPMORGAN CHASE & CO	39,768	$2.396M	2.2%	—	—	COMMON STOCK	46625H100
ABBV	ABBVIE INC	35,285	$2.038M	1.9%	—	—	COMMON STOCK	00287Y109
MMM	3M CO	14,352	$2.034M	1.9%	—	—	COMMON STOCK	88579Y101
ABT	ABBOTT LABORATORIES	43,774	$1.821M	1.7%	—	—	COMMON STOCK	002824100
T	AT&T INC	50,238	$1.77M	1.6%	—	—	COMMON STOCK	00206R102
WMT	WAL-MART STORES INC	21,852	$1.671M	1.5%	—	—	COMMON STOCK	931142103
CL	COLGATE PALMOLIVE CO	25,577	$1.668M	1.5%	—	—	COMMON STOCK	194162103
MSFT	MICROSOFT CORP	35,781	$1.659M	1.5%	—	—	COMMON STOCK	594918104
VZ	VERIZON COMMUNICATIONS INC	32,436	$1.621M	1.5%	—	—	COMMON STOCK	92343V104
GIS	GENERAL MILLS INC	30,860	$1.557M	1.4%	—	—	COMMON STOCK	370334104
NKE	NIKE INC	17,052	$1.521M	1.4%	—	—	COMMON STOCK	654106103
AMAT	APPLIED MATERIALS INC	66,650	$1.441M	1.3%	—	—	COMMON STOCK	038222105
AXP	AMERICAN EXPRESS CO	15,800	$1.383M	1.3%	—	—	COMMON STOCK	025816109
SO	SOUTHERN CO	31,044	$1.355M	1.2%	—	—	COMMON STOCK	842587107
—	MEDTRONIC INC	21,638	$1.34M	1.2%	—	—	COMMON STOCK	585055106
PFE	PFIZER INC	44,003	$1.301M	1.2%	—	—	COMMON STOCK	717081103
AAPL	APPLE INC	12,782	$1.288M	1.2%	—	—	COMMON STOCK	037833100
CSCO	CISCO SYSTEMS INC	44,802	$1.128M	1.0%	—	—	COMMON STOCK	17275R102
BMY	BRISTOL-MYERS SQUIBB CO	21,972	$1.125M	1.0%	—	—	COMMON STOCK	110122108
MRK	MERCK & CO INC	17,353	$1.029M	0.9%	—	—	COMMON STOCK	58933Y105
MCD	MCDONALDS CORP	10,695	$1.014M	0.9%	—	—	COMMON STOCK	580135101
—	DU PONT E I DE NEMOURS & CO	13,336	$957K	0.9%	—	—	COMMON STOCK	263534109
ORCL	ORACLE CORP	24,247	$929K	0.9%	—	—	COMMON STOCK	68389X105
STT	STATE STREET CORP	10,800	$795K	0.7%	—	—	COMMON STOCK	857477103
—	JOHNSON CONTROLS INC	17,750	$781K	0.7%	—	—	COMMON STOCK	478366107
VWO	VANGUARD EMERGING MARKETS STOCK	18,405	$768K	0.7%	—	—	MUTUAL FUND/STOCK	922042858
TGT	TARGET CORP	12,012	$752K	0.7%	—	—	COMMON STOCK	87612E106
SLB	SCHLUMBERGER LTD	6,699	$681K	0.6%	—	—	FOREIGN STOCK	806857108
UPS	UNITED PARCEL SERVICE	6,398	$628K	0.6%	—	—	COMMON STOCK	911312106
—	DOW CHEMICAL CO	11,921	$625K	0.6%	—	—	COMMON STOCK	260543103
EFA	ISHARES MSCI EAFE (MKT)	9,316	$598K	0.6%	—	—	MUTUAL FUND/STOCK	464287465
ECL	ECOLAB INC	5,104	$586K	0.5%	—	—	COMMON STOCK	278865100
TXN	TEXAS INSTRUMENTS INC	12,025	$573K	0.5%	—	—	COMMON STOCK	882508104
NSC	NORFOLK SOUTHERN CORP	5,050	$563K	0.5%	—	—	COMMON STOCK	655844108
LOW	LOWES COMPANIES INC	10,101	$535K	0.5%	—	—	COMMON STOCK	548661107
ADP	AUTOMATIC DATA PROCESSING INC	6,393	$531K	0.5%	—	—	COMMON STOCK	053015103
NBTB	NBT BANCORP INC	23,486	$529K	0.5%	—	—	COMMON STOCK	628778102
EXC	EXELON CORP	14,887	$508K	0.5%	—	—	COMMON STOCK	30161N101
PM	PHILIP MORRIS INTERNATIONAL INC	5,652	$472K	0.4%	—	—	COMMON STOCK	718172109
APD	AIR PRODUCTS & CHEMICALS INC	3,400	$443K	0.4%	—	—	COMMON STOCK	009158106
MAS	MASCO CORP	17,850	$427K	0.4%	—	—	COMMON STOCK	574599106
C	CITIGROUP INC	6,378	$331K	0.3%	—	—	COMMON STOCK	172967424
—	APACHE CORP	3,275	$308K	0.3%	—	—	COMMON STOCK	037411105
EMR	EMERSON ELECTRIC CO	4,863	$305K	0.3%	—	—	COMMON STOCK	291011104
—	JACOBS ENGINEERING GROUP	5,835	$285K	0.3%	—	—	COMMON STOCK	469814107
—	BAKER HUGHES INC	4,350	$283K	0.3%	—	—	COMMON STOCK	057224107
—	GLAXOSMITHKLINE PLC	6,158	$283K	0.3%	—	—	FOREIGN STOCK	37733W105
HD	HOME DEPOT INC	2,721	$250K	0.2%	—	—	COMMON STOCK	437076102
LMT	LOCKHEED MARTIN CORP	1,316	$241K	0.2%	—	—	COMMON STOCK	539830109
MO	ALTRIA GROUP INC	5,119	$236K	0.2%	—	—	COMMON STOCK	02209S103
BRK/B	BERKSHIRE HATHAWAY INC	1,632	$225K	0.2%	—	—	COMMON STOCK	084670702
CAT	CATERPILLAR INC	2,243	$222K	0.2%	—	—	COMMON STOCK	149123101
CME	CME GROUP INC	2,650	$212K	0.2%	—	—	COMMON STOCK	12572Q105
ALL	ALLSTATE CORP	3,350	$206K	0.2%	—	—	COMMON STOCK	020002101
—	ANNALY CAPITAL MANAGEMENT INC	19,050	$203K	0.2%	—	—	COMMON STOCK	035710409
—	ALCOA INC	12,400	$199K	0.2%	—	—	COMMON STOCK	013817101