Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
—	GENERAL ELECTRIC CO	311,903	$9.295M	9.6%	—	—	COMMON STOCK	369604103
—	TRUSTCO BANK CORP NY	1,059,910	$8.321M	8.6%	—	—	COMMON STOCK	898349105
XOM	EXXON MOBIL CORP	71,403	$5.856M	6.1%	—	—	COMMON STOCK	30231G102
JNJ	JOHNSON & JOHNSON	31,763	$3.956M	4.1%	—	—	COMMON STOCK	478160104
JPM	JPMORGAN CHASE & CO	36,563	$3.212M	3.3%	—	—	COMMON STOCK	46625H100
DIS	DISNEY WALT CO	27,346	$3.101M	3.2%	—	—	COMMON STOCK	254687106
PG	PROCTER & GAMBLE CO	34,464	$3.097M	3.2%	—	—	COMMON STOCK	742718109
INTC	INTEL CORP	82,538	$2.978M	3.1%	—	—	COMMON STOCK	458140100
KO	COCA COLA CO	66,478	$2.821M	2.9%	—	—	COMMON STOCK	191216100
PEP	PEPSICO INC	23,831	$2.665M	2.8%	—	—	COMMON STOCK	713448108
CVX	CHEVRON CORP NEW	21,775	$2.338M	2.4%	—	—	COMMON STOCK	166764100
WFC	WELLS FARGO & CO NEW	40,143	$2.234M	2.3%	—	—	COMMON STOCK	949746101
AMAT	APPLIED MATERIALS INC	57,405	$2.233M	2.3%	—	—	COMMON STOCK	038222105
—	UNITED TECHNOLOGIES CORP	19,891	$2.232M	2.3%	—	—	COMMON STOCK	913017109
MMM	3M CO	11,375	$2.177M	2.3%	—	—	COMMON STOCK	88579Y101
IBM	INTERNATIONAL BUSINESS MACHS	12,198	$2.124M	2.2%	—	—	COMMON STOCK	459200101
ABBV	ABBVIE INC	31,963	$2.082M	2.2%	—	—	COMMON STOCK	00287Y109
T	AT&T INC	41,823	$1.738M	1.8%	—	—	COMMON STOCK	00206R102
AAPL	APPLE INC	11,935	$1.715M	1.8%	—	—	COMMON STOCK	037833100
MSFT	MICROSOFT CORP	25,919	$1.707M	1.8%	—	—	COMMON STOCK	594918104
ABT	ABBOTT LABORATORIES	37,774	$1.677M	1.7%	—	—	COMMON STOCK	002824100
NKE	NIKE INC	28,425	$1.584M	1.6%	—	—	COMMON STOCK	654106103
GIS	GENERAL MILLS INC	26,367	$1.556M	1.6%	—	—	COMMON STOCK	370334104
CL	COLGATE PALMOLIVE CO	20,056	$1.468M	1.5%	—	—	COMMON STOCK	194162103
VZ	VERIZON COMMUNICATIONS INC	29,020	$1.415M	1.5%	—	—	COMMON STOCK	92343V104
PFE	PFIZER INC	39,155	$1.34M	1.4%	—	—	COMMON STOCK	717081103
CSCO	CISCO SYSTEMS INC	39,113	$1.322M	1.4%	—	—	COMMON STOCK	17275R102
MCD	MCDONALDS CORP	9,222	$1.196M	1.2%	—	—	COMMON STOCK	580135101
SO	SOUTHERN CO	23,994	$1.195M	1.2%	—	—	COMMON STOCK	842587107
AXP	AMERICAN EXPRESS CO	13,075	$1.034M	1.1%	—	—	COMMON STOCK	025816109
TXN	TEXAS INSTRUMENTS INC	11,960	$963K	1.0%	—	—	COMMON STOCK	882508104
—	DU PONT E I DE NEMOURS & CO	11,942	$959K	1.0%	—	—	COMMON STOCK	263534109
NBTB	NBT BANCORP INC	24,758	$918K	1.0%	—	—	COMMON STOCK	628778102
MRK	MERCK & CO INC	14,420	$917K	1.0%	—	—	COMMON STOCK	58933Y105
WMT	WAL-MART STORES INC	11,203	$808K	0.8%	—	—	COMMON STOCK	931142103
ORCL	ORACLE CORP	17,747	$792K	0.8%	—	—	COMMON STOCK	68389X105
LOW	LOWES COMPANIES INC	9,262	$762K	0.8%	—	—	COMMON STOCK	548661107
STT	STATE STREET CORP	8,725	$694K	0.7%	—	—	COMMON STOCK	857477103
—	DOW CHEMICAL CO	10,055	$639K	0.7%	—	—	COMMON STOCK	260543103
VWO	VANGUARD EMERGING MARKETS STOCK	15,962	$634K	0.7%	—	—	MUTUAL FUND/STOCK	922042858
UPS	UNITED PARCEL SERVICE	5,515	$591K	0.6%	—	—	COMMON STOCK	911312106
PM	PHILIP MORRIS INTERNATIONAL INC	5,019	$566K	0.6%	—	—	COMMON STOCK	718172109
TGT	TARGET CORP	10,215	$564K	0.6%	—	—	COMMON STOCK	87612E106
SLB	SCHLUMBERGER LTD	7,207	$563K	0.6%	—	—	FOREIGN STOCK	806857108
NSC	NORFOLK SOUTHERN CORP	4,806	$538K	0.6%	—	—	COMMON STOCK	655844108
EFA	ISHARES MSCI EAFE (MKT)	8,389	$523K	0.5%	—	—	MUTUAL FUND/STOCK	464287465
MAS	MASCO CORP	15,025	$511K	0.5%	—	—	COMMON STOCK	574599106
JCI	JOHNSON CTLS INTL PLC SHS	12,013	$506K	0.5%	—	—	FOREIGN STOCK	G51502105
ECL	ECOLAB INC	3,950	$495K	0.5%	—	—	COMMON STOCK	278865100
EXC	EXELON CORP	12,503	$449K	0.5%	—	—	COMMON STOCK	30161N101
HD	HOME DEPOT INC	2,600	$382K	0.4%	—	—	COMMON STOCK	437076102
APD	AIR PRODUCTS & CHEMICALS INC	2,600	$352K	0.4%	—	—	COMMON STOCK	009158106
MO	ALTRIA GROUP INC	4,836	$345K	0.4%	—	—	COMMON STOCK	02209S103
C	CITIGROUP INC	5,278	$316K	0.3%	—	—	COMMON STOCK	172967424
—	JACOBS ENGINEERING GROUP	4,934	$272K	0.3%	—	—	COMMON STOCK	469814107
EMR	EMERSON ELECTRIC CO	4,365	$262K	0.3%	—	—	COMMON STOCK	291011104
—	ANNALY CAPITAL MANAGEMENT INC	22,450	$249K	0.3%	—	—	COMMON STOCK	035710409
LLY	ELI LILLY & CO	2,747	$231K	0.2%	—	—	COMMON STOCK	532457108
—	GLAXOSMITHKLINE PLC	5,300	$224K	0.2%	—	—	FOREIGN STOCK	37733W105
CMCSA	COMCAST CORP	5,800	$218K	0.2%	—	—	COMMON STOCK	20030N101
SWK	STANLEY BLACK & DECKER INC	1,632	$217K	0.2%	—	—	COMMON STOCK	854502101
ALL	ALLSTATE CORP	2,500	$203K	0.2%	—	—	COMMON STOCK	020002101