Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
JNJ	JOHNSON & JOHNSON	24,565	$4.339M	4.8%	—	—	COMMON STOCK	478160104
TRST	TRUSTCO BANK CORP NY	112,411	$4.226M	4.7%	—	—	COMMON STOCK	898349204
AMAT	APPLIED MATERIALS INC	42,490	$4.138M	4.6%	—	—	COMMON STOCK	038222105
XOM	EXXON MOBIL CORP	36,538	$4.03M	4.5%	—	—	COMMON STOCK	30231G102
AAPL	APPLE INC	28,859	$3.75M	4.1%	—	—	COMMON STOCK	037833100
JPM	JP MORGAN CHASE & CO	27,354	$3.668M	4.1%	—	—	COMMON STOCK	46625H100
ABBV	ABBVIE INC SR NT	21,832	$3.528M	3.9%	—	—	COMMON STOCK	00287Y109
MSFT	MICROSOFT CORP	14,498	$3.477M	3.8%	—	—	COMMON STOCK	594918104
CVX	CHEVRON CORP NEW	18,344	$3.292M	3.6%	—	—	COMMON STOCK	166764100
KO	COCA COLA CO	48,367	$3.077M	3.4%	—	—	COMMON STOCK	191216100
PG	PROCTER & GAMBLE CO	19,444	$2.947M	3.3%	—	—	COMMON STOCK	742718109
PEP	PEPSICO INC	16,010	$2.892M	3.2%	—	—	COMMON STOCK	713448108
ABT	ABBOTT LABORATORIES	24,376	$2.676M	3.0%	—	—	COMMON STOCK	002824100
GE	GENERAL ELECTRIC CO	27,162	$2.276M	2.5%	—	—	COMMON STOCK	369604301
MCD	MCDONALDS CORP	7,462	$1.966M	2.2%	—	—	COMMON STOCK	580135101
CL	COLGATE PALMOLIVE CO	22,475	$1.771M	2.0%	—	—	COMMON STOCK	194162103
PFE	PFIZER INC	33,978	$1.741M	1.9%	—	—	COMMON STOCK	717081103
NKE	NIKE INC	14,652	$1.714M	1.9%	—	—	COMMON STOCK	654106103
INTC	INTEL CORP	57,167	$1.511M	1.7%	—	—	COMMON STOCK	458140100
RTX	RAYTHEON TECHNOLOGIES CORP	14,459	$1.459M	1.6%	—	—	COMMON STOCK	75513E101
TXN	TEXAS INSTRUMENTS INC	8,653	$1.43M	1.6%	—	—	COMMON STOCK	882508104
DIS	DISNEY WALT CO	16,294	$1.416M	1.6%	—	—	COMMON STOCK	254687106
GIS	GENERAL MILLS INC	16,854	$1.413M	1.6%	—	—	COMMON STOCK	370334104
EMR	EMERSON ELECTRIC CO	14,367	$1.38M	1.5%	—	—	COMMON STOCK	291011104
AXP	AMERICAN EXPRESS CO	9,136	$1.35M	1.5%	—	—	COMMON STOCK	025816109
LOW	LOWES COMPANIES INC	6,628	$1.321M	1.5%	—	—	COMMON STOCK	548661107
SO	SOUTHERN CO	17,823	$1.273M	1.4%	—	—	COMMON STOCK	842587107
CSCO	CISCO SYSTEMS INC	26,414	$1.258M	1.4%	—	—	COMMON STOCK	17275R102
TGT	TARGET CORP	8,011	$1.194M	1.3%	—	—	COMMON STOCK	87612E106
WMT	WALMART INC	8,344	$1.183M	1.3%	—	—	COMMON STOCK	931142103
MRK	MERCK & CO INC	10,579	$1.174M	1.3%	—	—	COMMON STOCK	58933Y105
CVS	CVS HEALTH CORPORATION	11,610	$1.082M	1.2%	—	—	COMMON STOCK	126650100
IBM	INTERNATIONAL BUSINESS MACHS	7,022	$989K	1.1%	—	—	COMMON STOCK	459200101
ORCL	ORACLE CORP	11,981	$979K	1.1%	—	—	COMMON STOCK	68389X105
MDT	MEDTRONIC PLC	11,159	$867K	1.0%	—	—	FOREIGN STOCK	G5960L103
ADP	AUTOMATIC DATA PROCESSING INC	3,550	$848K	0.9%	—	—	COMMON STOCK	053015103
—	PARAMOUNT GLOBAL	50,000	$844K	0.9%	—	—	COMMON STOCK	92556H206
LLY	ELI LILLY & CO	2,193	$802K	0.9%	—	—	COMMON STOCK	532457108
VZ	VERIZON COMMUNICATIONS INC	19,279	$760K	0.8%	—	—	COMMON STOCK	92343V104
UPS	UNITED PARCEL SERVICE	4,310	$749K	0.8%	—	—	COMMON STOCK	911312106
T	AT&T INC	39,237	$722K	0.8%	—	—	COMMON STOCK	00206R102
MMM	3M CO	5,313	$637K	0.7%	—	—	COMMON STOCK	88579Y101
BMY	BRISTOL-MYERS SQUIBB CO	8,847	$637K	0.7%	—	—	COMMON STOCK	110122108
NSC	NORFOLK SOUTHERN CORP	2,101	$518K	0.6%	—	—	COMMON STOCK	655844108
LMT	LOCKHEED MARTIN CORP	1,057	$514K	0.6%	—	—	COMMON STOCK	539830109
BRK/B	BERKSHIRE HATHAWAY INC	1,614	$499K	0.6%	—	—	COMMON STOCK	084670702
PM	PHILIP MORRIS INTERNATIONAL INC	4,900	$496K	0.5%	—	—	COMMON STOCK	718172109
STT	STATE STREET CORP	6,271	$486K	0.5%	—	—	COMMON STOCK	857477103
HD	HOME DEPOT INC	1,485	$469K	0.5%	—	—	COMMON STOCK	437076102
MAS	MASCO CORP	9,525	$445K	0.5%	—	—	COMMON STOCK	574599106
CAT	CATERPILLAR INC	1,741	$417K	0.5%	—	—	COMMON STOCK	149123101
JCI	JOHNSON CTLS INTL PLC SHS	5,877	$376K	0.4%	—	—	FOREIGN STOCK	G51502105
APD	AIR PRODUCTS & CHEMICALS INC	1,200	$370K	0.4%	—	—	COMMON STOCK	009158106
ECL	ECOLAB INC	2,510	$365K	0.4%	—	—	COMMON STOCK	278865100
J	JACOBS SOLUTIONS INC	2,870	$345K	0.4%	—	—	COMMON STOCK	46982L108
VWO	VANGUARD EMERGING MARKETS STOCK	8,404	$328K	0.4%	—	—	MUTUAL FUND/STO	922042858
DD	DUPONT DE NEMOURS INC	4,632	$318K	0.4%	—	—	COMMON STOCK	26614N102
EXC	EXELON CORP	7,103	$307K	0.3%	—	—	COMMON STOCK	30161N101
DOW	DOW INC COM	5,784	$291K	0.3%	—	—	COMMON STOCK	260557103
MO	ALTRIA GROUP INC	6,139	$281K	0.3%	—	—	COMMON STOCK	02209S103
ALL	ALLSTATE CORP	1,900	$258K	0.3%	—	—	COMMON STOCK	020002101
GOOG	ALPHABET INC	2,565	$228K	0.3%	—	—	COMMON STOCK	02079K107
CME	CME GROUP INC	1,300	$219K	0.2%	—	—	COMMON STOCK	12572Q105
YUM	YUM! BRANDS INC	1,696	$217K	0.2%	—	—	COMMON STOCK	988498101