Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
—	GENERAL ELECTRIC CO	351,735	$11.12M	10.9%	—	—	COMMON STOCK	369604103
—	TRUSTCO BANK CORP NY	1,060,942	$9.283M	9.1%	—	—	COMMON STOCK	898349105
XOM	EXXON MOBIL CORP	73,029	$6.591M	6.4%	—	—	COMMON STOCK	30231G102
JNJ	JOHNSON & JOHNSON	33,982	$3.915M	3.8%	—	—	COMMON STOCK	478160104
JPM	JPMORGAN CHASE & CO	37,163	$3.207M	3.1%	—	—	COMMON STOCK	46625H100
PG	PROCTER & GAMBLE CO	37,339	$3.14M	3.1%	—	—	COMMON STOCK	742718109
CVX	CHEVRON CORP NEW	26,364	$3.103M	3.0%	—	—	COMMON STOCK	166764100
INTC	INTEL CORP	83,088	$3.013M	2.9%	—	—	COMMON STOCK	458140100
DIS	DISNEY WALT CO	27,471	$2.863M	2.8%	—	—	COMMON STOCK	254687106
KO	COCA COLA CO	67,478	$2.798M	2.7%	—	—	COMMON STOCK	191216100
PEP	PEPSICO INC	24,931	$2.609M	2.6%	—	—	COMMON STOCK	713448108
—	UNITED TECHNOLOGIES CORP	21,616	$2.37M	2.3%	—	—	COMMON STOCK	913017109
MMM	3M CO	12,691	$2.266M	2.2%	—	—	COMMON STOCK	88579Y101
WFC	WELLS FARGO & CO NEW	40,693	$2.243M	2.2%	—	—	COMMON STOCK	949746101
IBM	INTERNATIONAL BUSINESS MACHS	12,464	$2.069M	2.0%	—	—	COMMON STOCK	459200101
ABBV	ABBVIE INC	32,277	$2.021M	2.0%	—	—	COMMON STOCK	00287Y109
AMAT	APPLIED MATERIALS INC	60,037	$1.937M	1.9%	—	—	COMMON STOCK	038222105
T	AT&T INC	42,023	$1.787M	1.7%	—	—	COMMON STOCK	00206R102
MSFT	MICROSOFT CORP	27,851	$1.73M	1.7%	—	—	COMMON STOCK	594918104
GIS	GENERAL MILLS INC	26,892	$1.661M	1.6%	—	—	COMMON STOCK	370334104
VZ	VERIZON COMMUNICATIONS INC	29,818	$1.592M	1.6%	—	—	COMMON STOCK	92343V104
ABT	ABBOTT LABORATORIES	39,985	$1.536M	1.5%	—	—	COMMON STOCK	002824100
NKE	NIKE INC	29,275	$1.488M	1.5%	—	—	COMMON STOCK	654106103
AAPL	APPLE INC	11,935	$1.383M	1.4%	—	—	COMMON STOCK	037833100
CL	COLGATE PALMOLIVE CO	20,872	$1.366M	1.3%	—	—	COMMON STOCK	194162103
BMY	BRISTOL-MYERS SQUIBB CO	22,539	$1.317M	1.3%	—	—	COMMON STOCK	110122108
PFE	PFIZER INC	39,155	$1.272M	1.2%	—	—	COMMON STOCK	717081103
MDT	MEDTRONIC PLC	17,477	$1.244M	1.2%	—	—	FOREIGN STOCK	G5960L103
CSCO	CISCO SYSTEMS INC	39,579	$1.196M	1.2%	—	—	COMMON STOCK	17275R102
SO	SOUTHERN CO	24,229	$1.192M	1.2%	—	—	COMMON STOCK	842587107
MCD	MCDONALDS CORP	9,322	$1.134M	1.1%	—	—	COMMON STOCK	580135101
AXP	AMERICAN EXPRESS CO	13,375	$990K	1.0%	—	—	COMMON STOCK	025816109
NBTB	NBT BANCORP INC	23,486	$984K	1.0%	—	—	COMMON STOCK	628778102
—	DU PONT E I DE NEMOURS & CO	12,042	$884K	0.9%	—	—	COMMON STOCK	263534109
WMT	WAL-MART STORES INC	12,703	$878K	0.9%	—	—	COMMON STOCK	931142103
TXN	TEXAS INSTRUMENTS INC	11,960	$873K	0.9%	—	—	COMMON STOCK	882508104
MRK	MERCK & CO INC	14,570	$857K	0.8%	—	—	COMMON STOCK	58933Y105
TGT	TARGET CORP	10,215	$738K	0.7%	—	—	COMMON STOCK	87612E106
ORCL	ORACLE CORP	18,947	$729K	0.7%	—	—	COMMON STOCK	68389X105
STT	STATE STREET CORP	8,825	$685K	0.7%	—	—	COMMON STOCK	857477103
LOW	LOWES COMPANIES INC	9,262	$659K	0.6%	—	—	COMMON STOCK	548661107
UPS	UNITED PARCEL SERVICE	5,631	$646K	0.6%	—	—	COMMON STOCK	911312106
ADP	AUTOMATIC DATA PROCESSING INC	5,900	$606K	0.6%	—	—	COMMON STOCK	053015103
SLB	SCHLUMBERGER LTD	7,207	$605K	0.6%	—	—	FOREIGN STOCK	806857108
—	DOW CHEMICAL CO	10,055	$576K	0.6%	—	—	COMMON STOCK	260543103
VWO	VANGUARD EMERGING MARKETS STOCK	15,962	$571K	0.6%	—	—	MUTUAL FUND/STOCK	922042858
ECL	ECOLAB INC	4,775	$560K	0.5%	—	—	COMMON STOCK	278865100
NSC	NORFOLK SOUTHERN CORP	4,956	$535K	0.5%	—	—	COMMON STOCK	655844108
EFA	ISHARES MSCI EAFE (MKT)	8,389	$485K	0.5%	—	—	MUTUAL FUND/STOCK	464287465
MAS	MASCO CORP	15,125	$479K	0.5%	—	—	COMMON STOCK	574599106
PM	PHILIP MORRIS INTERNATIONAL INC	5,152	$471K	0.5%	—	—	COMMON STOCK	718172109
EXC	EXELON CORP	12,503	$444K	0.4%	—	—	COMMON STOCK	30161N101
APD	AIR PRODUCTS & CHEMICALS INC	2,800	$403K	0.4%	—	—	COMMON STOCK	009158106
HD	HOME DEPOT INC	2,600	$348K	0.3%	—	—	COMMON STOCK	437076102
MO	ALTRIA GROUP INC	4,836	$327K	0.3%	—	—	COMMON STOCK	02209S103
BRK/B	BERKSHIRE HATHAWAY INC	1,988	$324K	0.3%	—	—	COMMON STOCK	084670702
C	CITIGROUP INC	5,278	$313K	0.3%	—	—	COMMON STOCK	172967424
—	JACOBS ENGINEERING GROUP INC	5,134	$293K	0.3%	—	—	COMMON STOCK	469814107
EMR	EMERSON ELECTRIC CO	4,963	$277K	0.3%	—	—	COMMON STOCK	291011104
—	BAKER HUGHES INC	3,900	$253K	0.2%	—	—	COMMON STOCK	057224107
CME	CME GROUP INC	1,800	$208K	0.2%	—	—	COMMON STOCK	12572Q105
CMCSA	COMCAST CORP	3,000	$207K	0.2%	—	—	COMMON STOCK	20030N101
—	GLAXOSMITHKLINE PLC	5,300	$204K	0.2%	—	—	FOREIGN STOCK	37733W105
LLY	ELI LILLY & CO	2,747	$202K	0.2%	—	—	COMMON STOCK	532457108
—	ANNALY CAPITAL MANAGEMENT INC	15,650	$156K	0.2%	—	—	COMMON STOCK	035710409