Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
—	GENERAL ELECTRIC CO	459,430	$11.61M	10.5%	—	—	COMMON STOCK	369604103
—	TRUSTCO BANK CORP NY	1,102,510	$8.004M	7.2%	—	—	COMMON STOCK	898349105
XOM	EXXON MOBIL CORP	78,931	$7.297M	6.6%	—	—	COMMON STOCK	30231G102
JNJ	JOHNSON & JOHNSON	55,104	$5.762M	5.2%	—	—	COMMON STOCK	478160104
PG	PROCTER & GAMBLE CO	40,154	$3.657M	3.3%	—	—	COMMON STOCK	742718109
KO	COCA COLA CO	83,148	$3.511M	3.2%	—	—	COMMON STOCK	191216100
INTC	INTEL CORP	96,202	$3.491M	3.2%	—	—	COMMON STOCK	458140100
DIS	DISNEY WALT CO	32,121	$3.026M	2.7%	—	—	COMMON STOCK	254687106
—	UNITED TECHNOLOGIES CORP	26,166	$3.01M	2.7%	—	—	COMMON STOCK	913017109
CVX	CHEVRON CORP NEW	24,166	$2.711M	2.5%	—	—	COMMON STOCK	166764100
PEP	PEPSICO INC	28,639	$2.709M	2.5%	—	—	COMMON STOCK	713448108
WFC	WELLS FARGO & CO NEW	49,079	$2.691M	2.4%	—	—	COMMON STOCK	949746101
JPM	JPMORGAN CHASE & CO	40,294	$2.521M	2.3%	—	—	COMMON STOCK	46625H100
MMM	3M CO	14,112	$2.319M	2.1%	—	—	COMMON STOCK	88579Y101
ABBV	ABBVIE INC	34,895	$2.283M	2.1%	—	—	COMMON STOCK	00287Y109
IBM	INTERNATIONAL BUSINESS MACHS	13,713	$2.2M	2.0%	—	—	COMMON STOCK	459200101
ABT	ABBOTT LABORATORIES	43,409	$1.954M	1.8%	—	—	COMMON STOCK	002824100
CL	COLGATE PALMOLIVE CO	26,329	$1.821M	1.6%	—	—	COMMON STOCK	194162103
T	AT&T INC	51,879	$1.743M	1.6%	—	—	COMMON STOCK	00206R102
GIS	GENERAL MILLS INC	30,908	$1.648M	1.5%	—	—	COMMON STOCK	370334104
MSFT	MICROSOFT CORP	35,281	$1.639M	1.5%	—	—	COMMON STOCK	594918104
AMAT	APPLIED MATERIALS INC	65,250	$1.626M	1.5%	—	—	COMMON STOCK	038222105
NKE	NIKE INC	16,852	$1.62M	1.5%	—	—	COMMON STOCK	654106103
SO	SOUTHERN CO	31,279	$1.536M	1.4%	—	—	COMMON STOCK	842587107
VZ	VERIZON COMMUNICATIONS INC	32,637	$1.527M	1.4%	—	—	COMMON STOCK	92343V104
WMT	WAL-MART STORES INC	17,552	$1.508M	1.4%	—	—	COMMON STOCK	931142103
AXP	AMERICAN EXPRESS CO	16,000	$1.489M	1.3%	—	—	COMMON STOCK	025816109
AAPL	APPLE INC	13,090	$1.445M	1.3%	—	—	COMMON STOCK	037833100
—	MEDTRONIC INC	19,793	$1.429M	1.3%	—	—	COMMON STOCK	585055106
BMY	BRISTOL-MYERS SQUIBB CO	23,824	$1.406M	1.3%	—	—	COMMON STOCK	110122108
PFE	PFIZER INC	42,818	$1.334M	1.2%	—	—	COMMON STOCK	717081103
CSCO	CISCO SYSTEMS INC	44,552	$1.24M	1.1%	—	—	COMMON STOCK	17275R102
ORCL	ORACLE CORP	24,177	$1.087M	1.0%	—	—	COMMON STOCK	68389X105
MCD	MCDONALDS CORP	10,922	$1.024M	0.9%	—	—	COMMON STOCK	580135101
MRK	MERCK & CO INC	17,153	$974K	0.9%	—	—	COMMON STOCK	58933Y105
TGT	TARGET CORP	12,199	$926K	0.8%	—	—	COMMON STOCK	87612E106
—	DU PONT E I DE NEMOURS & CO	12,242	$905K	0.8%	—	—	COMMON STOCK	263534109
STT	STATE STREET CORP	11,113	$872K	0.8%	—	—	COMMON STOCK	857477103
—	JOHNSON CONTROLS INC	17,900	$865K	0.8%	—	—	COMMON STOCK	478366107
VWO	VANGUARD EMERGING MARKETS STOCK	18,495	$740K	0.7%	—	—	MUTUAL FUND/STOCK	922042858
LOW	LOWES COMPANIES INC	10,329	$711K	0.6%	—	—	COMMON STOCK	548661107
UPS	UNITED PARCEL SE RVICE	6,348	$706K	0.6%	—	—	COMMON STOCK	911312106
TXN	TEXAS INSTRUMENTS INC	12,225	$654K	0.6%	—	—	COMMON STOCK	882508104
SLB	SCHLUMBERGER LTD	7,487	$640K	0.6%	—	—	FOREIGN STOCK	806857108
NBTB	NBT BANCORP INC	23,486	$617K	0.6%	—	—	COMMON STOCK	628778102
EFA	ISHARES MSCI EAFE (MKT)	9,791	$596K	0.5%	—	—	MUTUAL FUND/ST	464287465
NSC	NORFOLK SOUTHERN CORP	5,353	$587K	0.5%	—	—	COMMON STOCK	655844108
ADP	AUTOMATIC DATA PROCESSING INC	6,730	$561K	0.5%	—	—	COMMON STOCK	053015103
EXC	EXELON CORP	14,704	$545K	0.5%	—	—	COMMON STOCK	30161N101
ECL	ECOLAB INC	5,104	$533K	0.5%	—	—	COMMON STOCK	278865100
—	DOW CHEMICAL CO	11,588	$529K	0.5%	—	—	COMMON STOCK	260543103
APD	AIR PRODUCTS & CHEMICALS INC	3,400	$490K	0.4%	—	—	COMMON STOCK	009158106
PM	PHILIP MORRIS INTERNATIONAL INC	5,652	$460K	0.4%	—	—	COMMON STOCK	718172109
MAS	MASCO CORP	17,100	$431K	0.4%	—	—	COMMON STOCK	574599106
C	CITIGROUP INC	6,278	$340K	0.3%	—	—	COMMON STOCK	172967424
EMR	EMERSON ELECTRIC CO	5,213	$322K	0.3%	—	—	COMMON STOCK	291011104
HD	HOME DEPOT INC	2,700	$283K	0.3%	—	—	COMMON STOCK	437076102
—	GLAXOSMITHKLINE PLC	6,125	$262K	0.2%	—	—	FOREIGN STOCK	37733W105
—	JACOBS ENGINEERING GROUP	5,735	$256K	0.2%	—	—	COMMON STOCK	469814107
LMT	LOCKHEED MARTIN CORP	1,316	$253K	0.2%	—	—	COMMON STOCK	539830109
MO	ALTRIA GROUP INC	5,119	$252K	0.2%	—	—	COMMON STOCK	02209S103
BRK/B	BERKSHIRE HATHAWAY INC	1,632	$245K	0.2%	—	—	COMMON STOCK	084670702
—	BAKER HUGHES INC	4,350	$244K	0.2%	—	—	COMMON STOCK	057224107
CME	CME GROUP INC	2,650	$235K	0.2%	—	—	COMMON STOCK	12572Q105
—	ANNALY CAPITAL MANAGEMENT INC	19,050	$206K	0.2%	—	—	COMMON STOCK	035710409
CAT	CATERPILLAR INC	2,243	$205K	0.2%	—	—	COMMON STOCK	149123101
—	ALCOA INC	11,250	$178K	0.2%	—	—	COMMON STOCK	013817101