Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
—	GENERAL ELECTRIC CO	324,095	$9.6M	11.2%	—	—	COMMON STOCK	369604103
—	TRUSTCO BANK CORP NY	1,062,442	$7.533M	8.8%	—	—	COMMON STOCK	898349105
XOM	EXXON MOBIL CORP	73,751	$6.437M	7.5%	—	—	COMMON STOCK	30231G102
JNJ	JOHNSON & JOHNSON	35,369	$4.178M	4.9%	—	—	COMMON STOCK	478160104
PG	PROCTER & GAMBLE CO	37,096	$3.329M	3.9%	—	—	COMMON STOCK	742718109
INTC	INTEL CORP	84,838	$3.202M	3.8%	—	—	COMMON STOCK	458140100
KO	COCA COLA CO	71,878	$3.042M	3.6%	—	—	COMMON STOCK	191216100
PEP	PEPSICO INC	25,131	$2.733M	3.2%	—	—	COMMON STOCK	713448108
DIS	DISNEY WALT CO	27,901	$2.591M	3.0%	—	—	COMMON STOCK	254687106
JPM	JPMORGAN CHASE & CO	37,313	$2.485M	2.9%	—	—	COMMON STOCK	46625H100
CVX	CHEVRON CORP NEW	22,740	$2.341M	2.7%	—	—	COMMON STOCK	166764100
—	UNITED TECHNOLOGIES CORP	22,746	$2.311M	2.7%	—	—	COMMON STOCK	913017109
MMM	3M CO	12,766	$2.25M	2.6%	—	—	COMMON STOCK	88579Y101
IBM	INTERNATIONAL BUSINESS MACHS	12,504	$1.986M	2.3%	—	—	COMMON STOCK	459200101
WFC	WELLS FARGO & CO NEW	41,943	$1.857M	2.2%	—	—	COMMON STOCK	949746101
GIS	GENERAL MILLS INC	27,192	$1.737M	2.0%	—	—	COMMON STOCK	370334104
MSFT	MICROSOFT CORP	27,951	$1.61M	1.9%	—	—	COMMON STOCK	594918104
NKE	NIKE INC	30,125	$1.586M	1.9%	—	—	COMMON STOCK	654106103
CL	COLGATE PALMOLIVE CO	21,072	$1.562M	1.8%	—	—	COMMON STOCK	194162103
VZ	VERIZON COMMUNICATIONS INC	29,752	$1.547M	1.8%	—	—	COMMON STOCK	92343V104
PFE	PFIZER INC	39,155	$1.326M	1.6%	—	—	COMMON STOCK	717081103
CSCO	CISCO SYSTEMS INC	40,079	$1.272M	1.5%	—	—	COMMON STOCK	17275R102
SO	SOUTHERN CO	24,429	$1.253M	1.5%	—	—	COMMON STOCK	842587107
BMY	BRISTOL-MYERS SQUIBB CO	22,739	$1.226M	1.4%	—	—	COMMON STOCK	110122108
MCD	MCDONALDS CORP	9,322	$1.075M	1.3%	—	—	COMMON STOCK	580135101
MRK	MERCK & CO INC	15,270	$953K	1.1%	—	—	COMMON STOCK	58933Y105
WMT	WAL-MART STORES INC	13,033	$940K	1.1%	—	—	COMMON STOCK	931142103
TXN	TEXAS INSTRUMENTS INC	11,960	$839K	1.0%	—	—	COMMON STOCK	882508104
—	DU PONT E I DE NEMOURS & CO	12,042	$806K	0.9%	—	—	COMMON STOCK	263534109
ORCL	ORACLE CORP	19,947	$784K	0.9%	—	—	COMMON STOCK	68389X105
NBTB	NBT BANCORP INC	23,486	$772K	0.9%	—	—	COMMON STOCK	628778102
TGT	TARGET CORP	10,215	$701K	0.8%	—	—	COMMON STOCK	87612E106
LOW	LOWES COMPANIES INC	9,262	$669K	0.8%	—	—	COMMON STOCK	548661107
VWO	VANGUARD EMERGING MARKETS STOCK	16,867	$635K	0.7%	—	—	MUTUAL FUND/STOCK	922042858
UPS	UNITED PARCEL SERVICE	5,631	$615K	0.7%	—	—	COMMON STOCK	911312106
STT	STATE STREET CORP	8,825	$614K	0.7%	—	—	COMMON STOCK	857477103
ECL	ECOLAB INC	4,775	$582K	0.7%	—	—	COMMON STOCK	278865100
JCI	JOHNSON CTLS INTL PLC SHS	12,447	$579K	0.7%	—	—	FOREIGN STOCK	G51502105
SLB	SCHLUMBERGER LTD	7,207	$566K	0.7%	—	—	FOREIGN STOCK	806857108
—	DOW CHEMICAL CO	10,655	$552K	0.6%	—	—	COMMON STOCK	260543103
NSC	NORFOLK SOUTHERN CORP	5,356	$520K	0.6%	—	—	COMMON STOCK	655844108
MAS	MASCO CORP	15,125	$519K	0.6%	—	—	COMMON STOCK	574599106
EFA	ISHARES MSCI EAFE (MKT)	8,489	$502K	0.6%	—	—	MUTUAL FUND/STOCK	464287465
PM	PHILIP MORRIS INTERNATIONAL INC	5,152	$501K	0.6%	—	—	COMMON STOCK	718172109
EXC	EXELON CORP	12,503	$416K	0.5%	—	—	COMMON STOCK	30161N101
HD	HOME DEPOT INC	2,665	$343K	0.4%	—	—	COMMON STOCK	437076102
EMR	EMERSON ELECTRIC CO	4,963	$270K	0.3%	—	—	COMMON STOCK	291011104
C	CITIGROUP INC	5,678	$268K	0.3%	—	—	COMMON STOCK	172967424
—	JACOBS ENGINEERING GROUP INC	5,134	$265K	0.3%	—	—	COMMON STOCK	469814107
BRK/B	BERKSHIRE HATHAWAY INC	1,616	$233K	0.3%	—	—	COMMON STOCK	084670702
—	GLAXOSMITHKLINE PLC	5,300	$229K	0.3%	—	—	FOREIGN STOCK	37733W105
LLY	ELI LILLY & CO	2,747	$221K	0.3%	—	—	COMMON STOCK	532457108
CME	CME GROUP INC	2,050	$214K	0.3%	—	—	COMMON STOCK	12572Q105
SWK	STANLEY BLACK & DECKER INC	1,632	$201K	0.2%	—	—	COMMON STOCK	854502101