Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
—	GENERAL ELECTRIC CO	419,759	$11.15M	10.8%	—	—	COMMON STOCK	369604103
—	TRUSTCO BANK CORP NY	1,083,417	$7.617M	7.4%	—	—	COMMON STOCK	898349105
XOM	EXXON MOBIL CORP	77,313	$6.432M	6.2%	—	—	COMMON STOCK	30231G102
JNJ	JOHNSON & JOHNSON	51,883	$5.057M	4.9%	—	—	COMMON STOCK	478160104
DIS	DISNEY WALT CO	30,871	$3.523M	3.4%	—	—	COMMON STOCK	254687106
PG	PROCTER & GAMBLE CO	39,449	$3.087M	3.0%	—	—	COMMON STOCK	742718109
KO	COCA COLA CO	78,548	$3.081M	3.0%	—	—	COMMON STOCK	191216100
INTC	INTEL CORP	94,482	$2.874M	2.8%	—	—	COMMON STOCK	458140100
—	UNITED TECHNOLOGIES CORP	24,925	$2.765M	2.7%	—	—	COMMON STOCK	913017109
JPM	JPMORGAN CHASE & CO	39,530	$2.679M	2.6%	—	—	COMMON STOCK	46625H100
WFC	WELLS FARGO & CO NEW	46,990	$2.643M	2.6%	—	—	COMMON STOCK	949746101
PEP	PEPSICO INC	27,714	$2.587M	2.5%	—	—	COMMON STOCK	713448108
ABBV	ABBVIE INC	33,295	$2.237M	2.2%	—	—	COMMON STOCK	00287Y109
CVX	CHEVRON CORP NEW	22,999	$2.218M	2.1%	—	—	COMMON STOCK	166764100
IBM	INTERNATIONAL BUSINESS MACHS	13,241	$2.154M	2.1%	—	—	COMMON STOCK	459200101
MMM	3M CO	13,814	$2.131M	2.1%	—	—	COMMON STOCK	88579Y101
ABT	ABBOTT LABORATORIES	41,559	$2.039M	2.0%	—	—	COMMON STOCK	002824100
NKE	NIKE INC	16,502	$1.782M	1.7%	—	—	COMMON STOCK	654106103
T	AT&T INC	49,354	$1.753M	1.7%	—	—	COMMON STOCK	00206R102
GIS	GENERAL MILLS INC	29,128	$1.623M	1.6%	—	—	COMMON STOCK	370334104
AAPL	APPLE INC	12,880	$1.616M	1.6%	—	—	COMMON STOCK	037833100
CL	COLGATE PALMOLIVE CO	24,658	$1.613M	1.6%	—	—	COMMON STOCK	194162103
BMY	BRISTOL-MYERS SQUIBB CO	23,615	$1.572M	1.5%	—	—	COMMON STOCK	110122108
MSFT	MICROSOFT CORP	34,484	$1.523M	1.5%	—	—	COMMON STOCK	594918104
VZ	VERIZON COMMUNICATIONS INC	31,345	$1.461M	1.4%	—	—	COMMON STOCK	92343V104
MDT	MEDTRONIC PLC	19,266	$1.428M	1.4%	—	—	FOREIGN STOCK	G5960L103
PFE	PFIZER INC	41,538	$1.392M	1.3%	—	—	COMMON STOCK	717081103
SO	SOUTHERN CO	29,504	$1.237M	1.2%	—	—	COMMON STOCK	842587107
AMAT	APPLIED MATERIALS INC	64,350	$1.237M	1.2%	—	—	COMMON STOCK	038222105
CSCO	CISCO SYSTEMS INC	44,011	$1.208M	1.2%	—	—	COMMON STOCK	17275R102
AXP	AMERICAN EXPRESS CO	15,000	$1.166M	1.1%	—	—	COMMON STOCK	025816109
WMT	WAL-MART STORES INC	15,247	$1.081M	1.0%	—	—	COMMON STOCK	931142103
MCD	MCDONALDS CORP	10,322	$981K	0.9%	—	—	COMMON STOCK	580135101
MRK	MERCK & CO INC	16,920	$963K	0.9%	—	—	COMMON STOCK	58933Y105
TGT	TARGET CORP	11,187	$913K	0.9%	—	—	COMMON STOCK	87612E106
ORCL	ORACLE CORP	21,547	$869K	0.8%	—	—	COMMON STOCK	68389X105
—	JOHNSON CONTROLS INC	16,875	$836K	0.8%	—	—	COMMON STOCK	478366107
STT	STATE STREET CORP	10,375	$799K	0.8%	—	—	COMMON STOCK	857477103
—	DU PONT E I DE NEMOURS & CO	11,942	$764K	0.7%	—	—	COMMON STOCK	263534109
EFA	ISHARES MSCI EAFE (MKT)	10,839	$689K	0.7%	—	—	MUTUAL FUND/ST	464287465
VWO	VANGUARD EMERGING MARKETS STOCK	16,820	$687K	0.7%	—	—	MUTUAL FUND/ST	922042858
SLB	SCHLUMBERGER LTD	7,840	$675K	0.7%	—	—	FOREIGN STOCK	806857108
LOW	LOWES COMPANIES INC	9,929	$665K	0.6%	—	—	COMMON STOCK	548661107
TXN	TEXAS INSTRUMENTS INC	12,095	$623K	0.6%	—	—	COMMON STOCK	882508104
NBTB	NBT BANCORP INC	23,486	$615K	0.6%	—	—	COMMON STOCK	628778102
UPS	UNITED PARCEL SERVICE	6,148	$596K	0.6%	—	—	COMMON STOCK	911312106
ECL	ECOLAB INC	5,104	$577K	0.6%	—	—	COMMON STOCK	278865100
—	DOW CHEMICAL CO	11,088	$568K	0.5%	—	—	COMMON STOCK	260543103
ADP	AUTOMATIC DATA PROCESSING INC	5,980	$480K	0.5%	—	—	COMMON STOCK	053015103
NSC	NORFOLK SOUTHERN CORP	5,403	$472K	0.5%	—	—	COMMON STOCK	655844108
APD	AIR PRODUCTS & CHEMICALS INC	3,150	$431K	0.4%	—	—	COMMON STOCK	009158106
MAS	MASCO CORP	15,925	$425K	0.4%	—	—	COMMON STOCK	574599106
PM	PHILIP MORRIS INTERNATIONAL INC	5,202	$417K	0.4%	—	—	COMMON STOCK	718172109
EXC	EXELON CORP	13,054	$411K	0.4%	—	—	COMMON STOCK	30161N101
C	CITIGROUP INC	6,178	$342K	0.3%	—	—	COMMON STOCK	172967424
HD	HOME DEPOT INC	2,951	$328K	0.3%	—	—	COMMON STOCK	437076102
EMR	EMERSON ELECTRIC CO	5,213	$289K	0.3%	—	—	COMMON STOCK	291011104
—	BAKER HUGHES INC	4,250	$262K	0.3%	—	—	COMMON STOCK	057224107
CME	CME GROUP INC	2,650	$247K	0.2%	—	—	COMMON STOCK	12572Q105
MO	ALTRIA GROUP INC	4,919	$241K	0.2%	—	—	COMMON STOCK	02209S103
—	GLAXOSMITHKLINE PLC	5,775	$240K	0.2%	—	—	FOREIGN STOCK	37733W105
—	JACOBS ENGINEERING GROUP	5,685	$231K	0.2%	—	—	COMMON STOCK	469814107
LLY	ELI LILLY & CO	2,747	$230K	0.2%	—	—	COMMON STOCK	532457108
BRK/B	BERKSHIRE HATHAWAY INC	1,632	$222K	0.2%	—	—	COMMON STOCK	084670702
—	ANNALY CAPITAL MANAGEMENT INC	18,650	$171K	0.2%	—	—	COMMON STOCK	035710409
—	ALCOA INC	11,250	$126K	0.1%	—	—	COMMON STOCK	013817101