Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
—	TRUSTCO BANK CORP NY	1,059,910	$9.433M	9.1%	—	—	COMMON STOCK	898349105
—	GENERAL ELECTRIC CO	320,552	$7.751M	7.5%	—	—	COMMON STOCK	369604103
XOM	EXXON MOBIL CORP	69,356	$5.686M	5.5%	—	—	COMMON STOCK	30231G102
JNJ	JOHNSON & JOHNSON	31,532	$4.099M	4.0%	—	—	COMMON STOCK	478160104
JPM	JPMORGAN CHASE & CO	36,219	$3.459M	3.3%	—	—	COMMON STOCK	46625H100
INTC	INTEL CORP	82,438	$3.139M	3.0%	—	—	COMMON STOCK	458140100
PG	PROCTER & GAMBLE CO	34,212	$3.112M	3.0%	—	—	COMMON STOCK	742718109
KO	COCA COLA CO	65,303	$2.939M	2.8%	—	—	COMMON STOCK	191216100
AMAT	APPLIED MATERIALS INC	55,903	$2.912M	2.8%	—	—	COMMON STOCK	038222105
ABBV	ABBVIE INC SR NT	31,609	$2.809M	2.7%	—	—	COMMON STOCK	00287Y109
DIS	DISNEY WALT CO	26,946	$2.656M	2.6%	—	—	COMMON STOCK	254687106
PEP	PEPSICO INC	23,332	$2.6M	2.5%	—	—	COMMON STOCK	713448108
CVX	CHEVRON CORP NEW	21,533	$2.53M	2.4%	—	—	COMMON STOCK	166764100
MMM	3M CO	11,339	$2.38M	2.3%	—	—	COMMON STOCK	88579Y101
—	UNITED TECHNOLOGIES CORP	19,356	$2.246M	2.2%	—	—	COMMON STOCK	913017109
WFC	WELLS FARGO & CO NEW	38,788	$2.139M	2.1%	—	—	COMMON STOCK	949746101
ABT	ABBOTT LABORATORIES	37,461	$1.999M	1.9%	—	—	COMMON STOCK	002824100
MSFT	MICROSOFT CORP	25,319	$1.886M	1.8%	—	—	COMMON STOCK	594918104
AAPL	APPLE INC	11,695	$1.802M	1.7%	—	—	COMMON STOCK	037833100
IBM	INTERNATIONAL BUSINESS MACHS	12,048	$1.748M	1.7%	—	—	COMMON STOCK	459200101
—	DOWDUPONT INC COM	25,034	$1.733M	1.7%	—	—	COMMON STOCK	26078J100
T	AT&T INC	41,758	$1.636M	1.6%	—	—	COMMON STOCK	00206R102
MCD	MCDONALDS CORP	9,322	$1.46M	1.4%	—	—	COMMON STOCK	580135101
NKE	NIKE INC	27,575	$1.43M	1.4%	—	—	COMMON STOCK	654106103
VZ	VERIZON COMMUNICATIONS INC	28,836	$1.427M	1.4%	—	—	COMMON STOCK	92343V104
CL	COLGATE PALMOLIVE CO	19,556	$1.425M	1.4%	—	—	COMMON STOCK	194162103
BMY	BRISTOL-MYERS SQUIBB CO	22,099	$1.408M	1.4%	—	—	COMMON STOCK	110122108
PFE	PFIZER INC	38,658	$1.381M	1.3%	—	—	COMMON STOCK	717081103
GIS	GENERAL MILLS INC	25,929	$1.342M	1.3%	—	—	COMMON STOCK	370334104
MDT	MEDTRONIC PLC	16,977	$1.321M	1.3%	—	—	FOREIGN STOCK	G5960L103
CSCO	CISCO SYSTEMS INC	38,287	$1.288M	1.2%	—	—	COMMON STOCK	17275R102
SO	SOUTHERN CO	23,794	$1.169M	1.1%	—	—	COMMON STOCK	842587107
AXP	AMERICAN EXPRESS CO	12,575	$1.138M	1.1%	—	—	COMMON STOCK	025816109
TXN	TEXAS INSTRUMENTS INC	11,810	$1.059M	1.0%	—	—	COMMON STOCK	882508104
MRK	MERCK & CO INC	14,420	$924K	0.9%	—	—	COMMON STOCK	58933Y105
WMT	WAL-MART STORES INC	11,108	$868K	0.8%	—	—	COMMON STOCK	931142103
ORCL	ORACLE CORP	17,602	$851K	0.8%	—	—	COMMON STOCK	68389X105
STT	STATE STREET CORP	8,625	$824K	0.8%	—	—	COMMON STOCK	857477103
NBTB	NBT BANCORP INC	21,236	$780K	0.8%	—	—	COMMON STOCK	628778102
LOW	LOWES COMPANIES INC	9,487	$758K	0.7%	—	—	COMMON STOCK	548661107
VWO	VANGUARD EMERGING MARKETS STOCK	15,692	$684K	0.7%	—	—	MUTUAL FUND/STOCK	922042858
UPS	UNITED PARCEL SE RVICE	5,365	$644K	0.6%	—	—	COMMON STOCK	911312106
NSC	NORFOLK SOUTHERN CORP	4,706	$623K	0.6%	—	—	COMMON STOCK	655844108
ADP	AUTOMATIC DATA PROCESSING INC	5,447	$596K	0.6%	—	—	COMMON STOCK	053015103
TGT	TARGET CORP	10,015	$591K	0.6%	—	—	COMMON STOCK	87612E106
MAS	MASCO CORP	15,025	$586K	0.6%	—	—	COMMON STOCK	574599106
EFA	ISHARES MSCI EAFE (MKT)	8,189	$561K	0.5%	—	—	MUTUAL FUND/STOCK	464287465
PM	PHILIP MORRIS INTERNATIONAL INC	5,019	$557K	0.5%	—	—	COMMON STOCK	718172109
ECL	ECOLAB INC	3,950	$508K	0.5%	—	—	COMMON STOCK	278865100
SLB	SCHLUMBERGER LTD	6,957	$486K	0.5%	—	—	FOREIGN STOCK	806857108
EXC	EXELON CORP	12,703	$478K	0.5%	—	—	COMMON STOCK	30161N101
JCI	JOHNSON CTLS INTL PLC SHS	11,212	$452K	0.4%	—	—	FOREIGN STOCK	G51502105
LMT	LOCKHEED MARTIN CORP	1,257	$390K	0.4%	—	—	COMMON STOCK	539830109
HD	HOME DEPOT INC	2,375	$388K	0.4%	—	—	COMMON STOCK	437076102
C	CITIGROUP INC	5,278	$384K	0.4%	—	—	COMMON STOCK	172967424
APD	AIR PRODUCTS & CHEMICALS INC	2,400	$363K	0.4%	—	—	COMMON STOCK	009158106
MO	ALTRIA GROUP INC	4,836	$306K	0.3%	—	—	COMMON STOCK	02209S103
BRK/B	BERKSHIRE HATHAWAY INC	1,616	$296K	0.3%	—	—	COMMON STOCK	084670702
—	JACOBS ENGINEERING GROUP	4,834	$282K	0.3%	—	—	COMMON STOCK	469814107
EMR	EMERSON ELECTRIC CO	4,362	$274K	0.3%	—	—	COMMON STOCK	291011104
—	ANNALY CAPITAL MANAGEMENT INC	22,450	$274K	0.3%	—	—	COMMON STOCK	035710409
SWK	STANLEY BLACK & DECKER INC	1,632	$246K	0.2%	—	—	COMMON STOCK	854502101
CME	CME GROUP INC	1,800	$244K	0.2%	—	—	COMMON STOCK	12572Q105
LLY	ELI LILLY & CO	2,697	$231K	0.2%	—	—	COMMON STOCK	532457108
ALL	ALLSTATE CORP	2,500	$229K	0.2%	—	—	COMMON STOCK	020002101
CMCSA	COMCAST CORP	5,800	$223K	0.2%	—	—	COMMON STOCK	20030N101
NEE	NEXTERA ENERGY INC	1,496	$219K	0.2%	—	—	COMMON STOCK	65339F101
TMO	THERMO FISHER SCIENTIFIC INC	1,151	$218K	0.2%	—	—	COMMON STOCK	883556102
—	GLAXOSMITHKLINE PLC	5,300	$215K	0.2%	—	—	FOREIGN STOCK	37733W105
CAT	CATERPILLAR INC	1,663	$208K	0.2%	—	—	COMMON STOCK	149123101