Ticker	Issuer	Shares	Value	%	Share Price	Est. Cost/Share	Unrealized @ Report Date	Class	CUSIP
MSFT	MICROSOFT CORP	14,391	$5.412M	5.8%	$376.04	—	—	COMMON STOCK	594918104
AMAT	APPLIED MATERIALS INC	32,354	$5.244M	5.7%	$162.07	—	—	COMMON STOCK	038222105
AAPL	APPLE INC	26,566	$5.115M	5.5%	$192.52	—	—	COMMON STOCK	037833100
JPM	JP MORGAN CHASE & CO	24,357	$4.143M	4.5%	$170.10	—	—	COMMON STOCK	46625H100
GE	GENERAL ELECTRIC CO	29,890	$3.815M	4.1%	$127.63	—	—	COMMON STOCK	369604301
TRST	TRUSTCO BANK CORP NY	112,321	$3.488M	3.8%	$31.05	—	—	COMMON STOCK	898349204
XOM	EXXON MOBIL CORP	34,015	$3.401M	3.7%	$99.98	—	—	COMMON STOCK	30231G102
JNJ	JOHNSON & JOHNSON	21,359	$3.348M	3.6%	$156.74	—	—	COMMON STOCK	478160104
ABBV	ABBVIE INC SR NT	20,018	$3.102M	3.4%	$154.97	—	—	COMMON STOCK	00287Y109
KO	COCA COLA CO	45,404	$2.676M	2.9%	$58.93	—	—	COMMON STOCK	191216100
PEP	PEPSICO INC	15,481	$2.629M	2.8%	$169.84	—	—	COMMON STOCK	713448108
PG	PROCTER & GAMBLE CO	17,920	$2.626M	2.8%	$146.54	—	—	COMMON STOCK	742718109
CVX	CHEVRON CORP NEW	17,489	$2.609M	2.8%	$149.15	—	—	COMMON STOCK	166764100
ABT	ABBOTT LABORATORIES	21,835	$2.403M	2.6%	$110.07	—	—	COMMON STOCK	002824100
INTC	INTEL CORP	45,917	$2.307M	2.5%	$50.25	—	—	COMMON STOCK	458140100
MCD	MCDONALDS CORP	6,426	$1.905M	2.1%	$296.51	—	—	COMMON STOCK	580135101
AXP	AMERICAN EXPRESS CO	9,716	$1.82M	2.0%	$187.34	—	—	COMMON STOCK	025816109
NKE	NIKE INC	13,657	$1.483M	1.6%	$108.57	—	—	COMMON STOCK	654106103
LOW	LOWES COMPANIES INC	6,539	$1.455M	1.6%	$222.55	—	—	COMMON STOCK	548661107
DIS	DISNEY WALT CO	15,538	$1.403M	1.5%	$90.29	—	—	COMMON STOCK	254687106
EMR	EMERSON ELECTRIC CO	13,741	$1.337M	1.4%	$97.33	—	—	COMMON STOCK	291011104
WMT	WALMART INC	8,222	$1.296M	1.4%	$157.65	—	—	COMMON STOCK	931142103
CSCO	CISCO SYSTEMS INC	24,350	$1.23M	1.3%	$50.52	—	—	COMMON STOCK	17275R102
LLY	ELI LILLY & CO	2,039	$1.189M	1.3%	$582.92	—	—	COMMON STOCK	532457108
TXN	TEXAS INSTRUMENTS INC	6,885	$1.174M	1.3%	$170.46	—	—	COMMON STOCK	882508104
MRK	MERCK & CO INC	10,739	$1.171M	1.3%	$109.02	—	—	COMMON STOCK	58933Y105
RTX	RTX CORPORATION	13,819	$1.163M	1.3%	$84.14	—	—	COMMON STOCK	75513E101
CL	COLGATE PALMOLIVE CO	13,686	$1.091M	1.2%	$79.71	—	—	COMMON STOCK	194162103
SO	SOUTHERN CO	15,533	$1.089M	1.2%	$70.12	—	—	COMMON STOCK	842587107
GIS	GENERAL MILLS INC	16,681	$1.087M	1.2%	$65.14	—	—	COMMON STOCK	370334104
ORCL	ORACLE CORP	10,254	$1.081M	1.2%	$105.43	—	—	COMMON STOCK	68389X105
IBM	INTERNATIONAL BUSINESS MACHS	6,294	$1.029M	1.1%	$163.55	—	—	COMMON STOCK	459200101
TGT	TARGET CORP	6,316	$900K	1.0%	$142.42	—	—	COMMON STOCK	87612E106
CVS	CVS HEALTH CORPORATION	10,415	$822K	0.9%	$78.96	—	—	COMMON STOCK	126650100
PFE	PFIZER INC	28,469	$820K	0.9%	$28.79	—	—	COMMON STOCK	717081103
MDT	MEDTRONIC PLC	9,575	$789K	0.9%	$82.38	—	—	FOREIGN STOCK	G5960L103
ADP	AUTOMATIC DATA PROCESSING INC	3,326	$775K	0.8%	$232.97	—	—	COMMON STOCK	053015103
GEHC	GE HEALTHCARE TECHNOLOGIES INC	9,645	$746K	0.8%	$77.32	—	—	COMMON STOCK	36266G107
VZ	VERIZON COMMUNICATIONS INC	18,694	$705K	0.8%	$37.70	—	—	COMMON STOCK	92343V104
HD	HOME DEPOT INC	1,842	$638K	0.7%	$346.55	—	—	COMMON STOCK	437076102
MAS	MASCO CORP	9,525	$638K	0.7%	$66.98	—	—	COMMON STOCK	574599106
T	AT&T INC	36,814	$618K	0.7%	$16.78	—	—	COMMON STOCK	00206R102
UPS	UNITED PARCEL SERVICE	3,823	$601K	0.6%	$157.23	—	—	COMMON STOCK	911312106
BRK/B	BERKSHIRE HATHAWAY INC	1,677	$598K	0.6%	$356.66	—	—	COMMON STOCK	084670702
MMM	3M CO	4,920	$538K	0.6%	$109.32	—	—	COMMON STOCK	88579Y101
QQQ	INVESCO QQQ TR	1,232	$505K	0.5%	$409.52	—	—	MUTUAL FUND/STO	46090E103
NSC	NORFOLK SOUTHERN CORP	2,134	$504K	0.5%	$236.38	—	—	COMMON STOCK	655844108
GOOG	ALPHABET INC	3,445	$486K	0.5%	$140.93	—	—	COMMON STOCK	02079K107
STT	STATE STREET CORP	6,156	$477K	0.5%	$77.46	—	—	COMMON STOCK	857477103
VWO	VANGUARD EMERGING MARKETS STOCK	11,474	$472K	0.5%	$41.10	—	—	MUTUAL FUND/STO	922042858
LMT	LOCKHEED MARTIN CORP	1,032	$468K	0.5%	$453.24	—	—	COMMON STOCK	539830109
PM	PHILIP MORRIS INTERNATIONAL INC	4,884	$459K	0.5%	$94.08	—	—	COMMON STOCK	718172109
BMY	BRISTOL-MYERS SQUIBB CO	8,127	$417K	0.5%	$51.31	—	—	COMMON STOCK	110122108
CAT	CATERPILLAR INC	1,381	$408K	0.4%	$295.67	—	—	COMMON STOCK	149123101
ECL	ECOLAB INC	1,985	$394K	0.4%	$198.35	—	—	COMMON STOCK	278865100
J	JACOBS SOLUTIONS INC	2,670	$347K	0.4%	$129.80	—	—	COMMON STOCK	46982L108
JCI	JOHNSON CTLS INTL PLC SHS	5,536	$319K	0.3%	$57.64	—	—	FOREIGN STOCK	G51502105
IJH	ISHARES CORE S&P MID-CAP (MKT)	1,121	$311K	0.3%	$277.15	—	—	MUTUAL FUND/STO	464287507
DD	DUPONT DE NEMOURS INC	4,020	$309K	0.3%	$76.91	—	—	COMMON STOCK	26614N102
DOW	DOW INC COM	5,270	$289K	0.3%	$54.83	—	—	COMMON STOCK	260557103
ALL	ALLSTATE CORP	1,976	$277K	0.3%	$139.98	—	—	COMMON STOCK	020002101
APD	AIR PRODUCTS & CHEMICALS INC	1,000	$274K	0.3%	$273.80	—	—	COMMON STOCK	009158106
CME	CME GROUP INC	1,263	$266K	0.3%	$210.60	—	—	COMMON STOCK	12572Q105
IEI	ISHARES 3-7 YEAR TREASURY BOND	2,140	$251K	0.3%	$117.13	—	—	MUTUAL FUND/GOV	464288661
EXC	EXELON CORP	6,698	$240K	0.3%	$35.90	—	—	COMMON STOCK	30161N101
MO	ALTRIA GROUP INC	5,847	$236K	0.3%	$40.34	—	—	COMMON STOCK	02209S103
DIA	SPDR DOW JONES INDUSTRIAL	605	$228K	0.2%	$376.87	—	—	MUTUAL FUND/STO	78467X109
YUM	YUM! BRANDS INC	1,709	$223K	0.2%	$130.66	—	—	COMMON STOCK	988498101
VO	VANGUARD MID-CAP ETF (MKT)	955	$222K	0.2%	$232.64	—	—	MUTUAL FUND/STO	922908629
META	META PLATFORMS INC	619	$219K	0.2%	$353.96	—	—	COMMON STOCK	30303M102
CMCSA	COMCAST CORP	4,900	$215K	0.2%	$43.85	—	—	COMMON STOCK	20030N101
EFA	ISHARES MSCI EAFE (MKT)	2,803	$211K	0.2%	$75.35	—	—	MUTUAL FUNDS GL	464287465